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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. That's exactly what I have here. How's your morning been so far? Been busy? Yeah. Yeah. Well, I will try not to keep you for too long. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at? Yeah. And that is a very good question. Now do you have access to your emails at the moment? Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months. So while I go through it, do you have access to your emails at the moment? Yep. Perfect. Now did you receive my email okay? Sure. And we have recently changed our software as well, so it could end up in the spam folder as well. Yeah. Sure. Is that working okay for you? Just as I just as you answered the phone for about four minutes ago. No. That's okay. Yeah. Perfect. So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything. Yep. Okay. Perfect. Now to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first. So if you're having to scroll back and forth. Yes. Perfect. So that one here gives you a breakdown of your current situation. So you can see here that you have your superannuation with hub twenty four, and you can see that as of yesterday when we prepared these documents, your super balance was up at $98,562. Now underneath that, you can see your ClearView insurances. So you have life and total permanent disability insurance of $689,474. Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them? Nope. Great. Perfect. You also have an income protection policy as well, and that will pay you a monthly amount of $5,362 per month. You have a sixty day waiting period and a five year benefit period. All those three are paid from within hub 24, so you don't pay for them out of pocket. You do get a 15% tax rebate. So after that, it is $1,419. You happy with your income protection as well? Yeah. Perfect. And I can see here that you don't have trauma insurance. You're still happy to not have trauma insurance? Trauma insurance? Yes. Yeah. Okay. Perfect. It is something I do just need to triple check, so that is good. We will leave trauma insurance out for you. Now the next document, what is that one you can see? Yes. Perfect. So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment. So the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US. So, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market. And, obviously, more recently with everything going on with the war as well, we have seen quite a bit of movement as a result of all of that as well. Now that is quite natural with what is going on in the market. And over time, you will have period, especially because you are in a high growth portfolio at the moment, that there will be time when the market fluctuates a little bit. You will see a bit of fluctuations in your superannuation. But long term, the goal is to try to grow that as much as possible. Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance. So can you see where I'm at at the moment? Correct. Yes. Perfect. Now if you look on the second column to the right, it should say internal rate of return. Can you see that okay? Yes. Correct. So on page two, where it says you will have one line where it says total portfolio, and then you'll have a a bunch of different columns And the second column through, like, the right, almost at the end, it should say total internal rate of return. Yeah. Perfect. Now that shows us how your investments alone have performed over the last twelve months. So when we are looking at a twelve month period, and then this is all after fees. So after all fees have come out of your account, your portfolio has still grown despite the fluctuations in the market by 8.55% in the last twelve months, which we're quite happy with given the market condition. So that is actually a a pretty good outcome for the last twelve months. So I know you said, obviously, there will be period of time during the twelve months depending on when you look that things will obviously go up and down, and that's why we like to do a twelve month performance to show you what's happened at the end of the twelve month period. Because on a daily, everything will fluctuate. Now if you scroll up to the first page, that one here breaks down all your individual investments. So it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed. So second column again to the right, you can see the performance on each and every single one of these investments individually. So you can see here that has been a bit of a mixed market. You can see that the one that has the bracket next to it, they are down. The others are doing really well. Are you following where I'm at at the moment? Yeah. Perfect. So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased. So that one has seen a a bit of a crazy jump. So that one is up by a 111%. You can also see that the Asia 50 is up by about 67%, which is pretty crazy. You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top. Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments. We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market. So with your Benelung investment, that one here recently has underperformed a little bit. So before, it was one of the, best performing fund managers. They were doing really well. But more recently, they've been a little bit slower in making their investment decision. And the investment committee, we do a lot of research all the time. And if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you. Does that all make sense so far? Yes. Perfect. So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes. Even though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now. So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think. Would you be happy with that? Yep. Perfect. Now do you have any questions so far? No. Okay. Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything. So what I will do is quickly run through just a bit of a risk profile questionnaire. It is just multiple choice to make it nice and easy for you, and there is no right or wrong answer. It's just whatever you feel is the most appropriate for you. And think of this as well as, obviously, your your suit for investment. Okay? Yep. Now have you ever bought direct shares yourself on the stock market? No. And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation? Tomorrow if you win the lottery. So with the current legislation, is that the earliest you can access to if you stop working is 60. Now I have here that last time we spoke to you, you said 67. So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire? Yeah. Beautiful. I think most people are like that. Like, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement. And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient. Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more? Keep it the same? Yep. Perfect. And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage. So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that. But most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income. Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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? Small? Okay. And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens? Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset? Neutral? Yep. Yep. Yep. Perfect. And when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious? Cautious. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Potentially. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in. Now do you know the difference between a high growth and a growth investor at all? No. So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that. Now the difference is when it comes to time frame and asset allocation. So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere? Yep. Oh, beautiful. Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great. So it's a bit of an updated version. But that one here gives us a good visual representation of what we are talking about when we are talking about the market. And this gives us a bit more of a long term view. So you can see here that it goes from 1995 through to 2025. And you can see that when we are looking long term, a market always goes up. The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations. Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets. Now these are your top four. So that is your US shares. So you can see that kind of light green line. The Australian shares, which is, like, your dark green line. You have international shares, which is your yellow. And then you have your property, which is your kind of maroon color. So these are your growth investments. So you can see here that they grow the most over the long term, but they also fluctuate the most as well. The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference. So we see 80% invested in those top four, and then we have 20 in the bottom three there. So you will have, you know, cash, fixed interest, and then goals can come into it as well. And you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable. Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate. In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement. In a growth portfolio, we wanna allow at least six years. It's not always just time, though, that comes into play. It's also what you are comfortable with. Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio. But how do you feel? Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio? Maintain the high risk? Okay. Perfect. Now I'll still go and review your investments, like I said, just to see if we wanna make any changes. You do have, like I said, the time frame behind you. It will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation. But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term. The short term, a little bit more fluctuations. And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it. And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure. Does that all make sense? Yep. Perfect. Now what is the next investment sorry. The next document that you have there? Yep. Perfect. Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially. And what's what's your next one? Yep. Yep. Perfect. So you have kind of threw straight after each other. One is the financial services guide here, which is just kind of a smaller version of three pages. And then the next one is the OQ services guide version one, which is your little bigger document. Can you see that that bigger one as well? Yep. Perfect. Now, again, you would have seen this one before. It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an update through marketing. So you may see a bit of an updated photos. And we've also had a bit of an extension to the team, which is nice. Now if you do scroll through this document, and I'll let you have a read over that in your own time. But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys. Yep. Perfect. Now the next document you should see, is that an ongoing service agreement? Does it say fee consent form hub 24 at the top? Yes. Perfect. Sorry. This is the one, if you are happy to do so, that it will ask for your signature. And that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime. Time. Does that make sense? Yep. Perfect. And there should be potentially one more after this one. Is that a tax file number opt in form? Option to provide tax file number? Okay. Are you happy to do that? Yep. Like I said, there's no lock in contract or anything like that and no changes to the fee structure. All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time. Or if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for you. Yep. So that one here, it is just another compliance form that I will ask you to add a signature for. And, basically, it just says that we are keeping your tax phone number secure and safe on file for you. And once you've added those two signature, it should say validate, I believe. Yep. And then it should have probably a little, like, cogwheel to load, and then that will send it through to myself, and I can get that all loaded on your account. K. Perfect. While I wait for that one to come through, what I will do is just go to go through just a little bit of an updated fact find with you there as well just to see if there is anything else that has changed in in your life, if we need to make any other changes to your advice at all. So kind of bear with me as I go through this information. Now when it comes to your personal information, I have you down here as married. That's still the case? Yep. Beautiful. And do you have any financial dependents at home? No. And I don't have a next stop keen on file for you. So that it can be anybody, and that is just someone that in the event that we, for some reason, cannot get in touch with you, someone that we can contact. Who would you like that person to be? Yep. Perfect. And what's his name, please? Yep. Perfect. It's the same last name as you? Okay. Perfect. Do you have, like, a change of name form and updated ID or not yet? Mhmm. Yep. Yep. So what I will do after the call is that I will get my colleague, Whitlam, who does all the administration for me, to send you an email because what we can do is we can then get your name changed with Hub twenty four and Clearview to make sure we have all of that updated. Now just for our records, I can still change your last name that we have on file, though, for you. So what's your new last name? Perfect. And is that the same last name as your husband? Yeah. Okay. Perfect. Now I'll update our records, but like I said, I will get my colleague, Whitlam, to send you the forms of what is required for changing it with HUB twenty four and your ClearView insurances. Now what is his best contact name, please? A contact number. Sorry. One zero. Yep. Nine three six. Yep. 252. Beautiful. Thank you so much. Now employment wise, has any of that changed in the last twelve months? Are you still a operations manager? Yep. Perfect. Still working full time as well? Yep. Perfect. And I have income at about 80,000. Has that changed at all? It's about the same? Okay. And I have here as well that your employer pays the standard 12% contribution into superannuation. Like, there's no special enterprise bargaining agreement or anything like that. Is that correct? Yep. Perfect. And I have here as well that you guys save about $50 per week. Is that still the case as well, or has that changed with living expenses and everything going up? Yeah. Yeah. Yeah. Yeah. And even, like, just grocery shopping, getting takeaway coffee, anything like that, well, it's just going up. So, yeah, a lot of people are very much in the same boat. Now asset wise, I have here that your property was last died at about 1,000,000. Is that still the case, or do you know if that went up a little bit? About $8.40? Okay. Perfect. And I have mortgage at around 500. Yep. Yes. What's owing? About 500? Yep. Perfect. Do you have a motor vehicle or a boat or bike or anything like that? Nope. And I have here liabilities, a personal loan of about 30,000. Is that still the case as well? Yep. Perfect. Any other new assets or liabilities we haven't gone through in the last twelve months? No. Great. And health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Beautiful. And have you had any significant health issues or injuries at all in the last twelve months? No? Okay. Do you take any medications or anything? No. Perfect. And do you have private health insurance? Yep. Now estate planning wise, do you have a will or power of attorney in place or anyone who makes any financial decisions on your behalf? No. Perfect. And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file. 50% going through your husband and then 50% through another person, and it says they're interdependent relationship. Do you know who that person is? Yeah. And what are their relationship to yourself? Your mom. And with your mom, because there are quite tight restrict restrictions on who you can actually nominate directly through superannuation as a valid nomination. So with your mom, does she live with you guys? Yeah. Okay. And does she kind of rely on you guys a little bit financially for suit support or domestic support or anything like that? Yep. Okay. Perfect. That that is good because that means that she is having that interdependency relationship that you note noted on the form is correct. So so that is good. I do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria. And I wanna make sure that we have the right nomination. So you have done everything perfectly, which is great. Now for your insurances, though, we don't have a nomination on file. So we have it for your super, but not for your Clearview insurances. So would you like it to be the same split, or do you want it anything differently? Yep. Now because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed. So do you have access to a printer, or do you prefer that to be posted out to you? Print it? Okay. So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter. And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish. Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal? How am I going with that? Is still still the case, or has anything changed? So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track. Is that still kind of the plan for you guys? Yep. Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all? Yep. Yep. Yes. Beautiful. That sounds good. Mhmm. Yeah. Yes. There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment. So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement. Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super. One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses. The other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means. Now the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and can't meet the expenses. Is that something you guys are looking at quite soon, or do you know time frame lives at all? Yes. Yeah. And do you think you would like to start that process? Like, have you guys had an an appointment? Do you know anything about, you know, the fees or anything like that as of yet? Yep. Yeah. Yeah. I have a lot of friends who's who's going through it as well. Yep. Yep. Okay. Yes. Yeah. Yes. Yes. So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know. Just send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses. So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you. Yep. Perfect. So, yeah, just just let me know how it all goes. But, yeah, that is I'm glad you asked because often people don't think you can access super for that. So I'm I'm very glad you did ask. At least like you said, you'd know that there is a potential other option if it needs needs be. So so that is good. I'll make a little note here as well just that we are aware that that might be a a situation for you. But is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied? Yeah. Yeah. You definitely can. But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change. But what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you. That way you have the forms if you would like to change it, and you can change the percentage to whatever you want. Yep. Perfect. Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day? Yes. Please do. And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you? Now it will take me about a week to put it all together. So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you? But I don't work on Fridays, unfortunately. I do late days on Thursdays if during the day is tricky for you. Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work. Do you want me to tentatively book that in? Or I'll book Yep. Okay. I'll book it in on Monday, June 22 at 04:30. But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you. Okay. Beautiful. Well, thank you so much for your time today. It was lovely speaking with you. Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research. And like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you. Yep. No problem at all. You enjoy the rest of your day, and I look forward to speaking with you on the twenty second. Mhmm. Thank you. Bye. 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morning. This is Veronica from Financial. How are you? I'm good. Thank you.\n\nI had you booked in this morning to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep.\n\nPerfect. That's exactly what I have here. How's your morning been so far? Been busy? Yeah.\n\nYeah. Well, I will try not to keep you for too long. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at? Yeah. And that is a very good question.\n\nNow do you have access to your emails at the moment? Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months. So while I go through it, do you have access to your emails at the moment? Yep. Perfect.\n\nNow did you receive my email okay? Sure. And we have recently changed our software as well, so it could end up in the spam folder as well. Yeah. Sure.\n\nIs that working okay for you? Just as I just as you answered the phone for about four minutes ago. No. That's okay. Yeah.\n\nPerfect. So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything. Yep. Okay. Perfect.\n\nNow to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first. So if you're having to scroll back and forth. Yes. Perfect. So that one here gives you a breakdown of your current situation.\n\nSo you can see here that you have your superannuation with hub twenty four, and you can see that as of yesterday when we prepared these documents, your super balance was up at $98,562. Now underneath that, you can see your ClearView insurances. So you have life and total permanent disability insurance of $689,474. Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them? Nope.\n\nGreat. Perfect. You also have an income protection policy as well, and that will pay you a monthly amount of $5,362 per month. You have a sixty day waiting period and a five year benefit period. All those three are paid from within hub 24, so you don't pay for them out of pocket.\n\nYou do get a 15% tax rebate. So after that, it is $1,419. You happy with your income protection as well? Yeah. Perfect.\n\nAnd I can see here that you don't have trauma insurance. You're still happy to not have trauma insurance? Trauma insurance? Yes. Yeah.\n\nOkay. Perfect. It is something I do just need to triple check, so that is good. We will leave trauma insurance out for you. Now the next document, what is that one you can see?\n\nYes. Perfect. So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment. So the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US.\n\nSo, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market. And, obviously, more recently with everything going on with the war as well, we have seen quite a bit of movement as a result of all of that as well. Now that is quite natural with what is going on in the market. And over time, you will have period, especially because you are in a high growth portfolio at the moment, that there will be time when the market fluctuates a little bit. You will see a bit of fluctuations in your superannuation.\n\nBut long term, the goal is to try to grow that as much as possible. Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance. So can you see where I'm at at the moment? Correct. Yes.\n\nPerfect. Now if you look on the second column to the right, it should say internal rate of return. Can you see that okay? Yes. Correct.\n\nSo on page two, where it says you will have one line where it says total portfolio, and then you'll have a a bunch of different columns And the second column through, like, the right, almost at the end, it should say total internal rate of return. Yeah. Perfect. Now that shows us how your investments alone have performed over the last twelve months. So when we are looking at a twelve month period, and then this is all after fees.\n\nSo after all fees have come out of your account, your portfolio has still grown despite the fluctuations in the market by 8.55% in the last twelve months, which we're quite happy with given the market condition. So that is actually a a pretty good outcome for the last twelve months. So I know you said, obviously, there will be period of time during the twelve months depending on when you look that things will obviously go up and down, and that's why we like to do a twelve month performance to show you what's happened at the end of the twelve month period. Because on a daily, everything will fluctuate. Now if you scroll up to the first page, that one here breaks down all your individual investments.\n\nSo it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed. So second column again to the right, you can see the performance on each and every single one of these investments individually. So you can see here that has been a bit of a mixed market. You can see that the one that has the bracket next to it, they are down. The others are doing really well.\n\nAre you following where I'm at at the moment? Yeah. Perfect. So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased. So that one has seen a a bit of a crazy jump.\n\nSo that one is up by a 111%. You can also see that the Asia 50 is up by about 67%, which is pretty crazy. You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top. Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments. We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market.\n\nSo with your Benelung investment, that one here recently has underperformed a little bit. So before, it was one of the, best performing fund managers. They were doing really well. But more recently, they've been a little bit slower in making their investment decision. And the investment committee, we do a lot of research all the time.\n\nAnd if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you. Does that all make sense so far? Yes. Perfect. So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes.\n\nEven though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now. So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think. Would you be happy with that? Yep. Perfect.\n\nNow do you have any questions so far? No. Okay. Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything. So what I will do is quickly run through just a bit of a risk profile questionnaire.\n\nIt is just multiple choice to make it nice and easy for you, and there is no right or wrong answer. It's just whatever you feel is the most appropriate for you. And think of this as well as, obviously, your your suit for investment. Okay? Yep.\n\nNow have you ever bought direct shares yourself on the stock market? No. And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation? Tomorrow if you win the lottery. So with the current legislation, is that the earliest you can access to if you stop working is 60.\n\nNow I have here that last time we spoke to you, you said 67. So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire? Yeah. Beautiful. I think most people are like that.\n\nLike, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement. And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient. Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more? Keep it the same? Yep.\n\nPerfect. And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage. So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that. But most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income. Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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\nSmall? Okay. And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens? Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset?\n\nNeutral? Yep. Yep. Yep. Perfect.\n\nAnd when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious? Cautious. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No.\n\nWould you ever consider taking out a loan to buy an investment property? Potentially. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in.\n\nNow do you know the difference between a high growth and a growth investor at all? No. So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that. Now the difference is when it comes to time frame and asset allocation. So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere?\n\nYep. Oh, beautiful. Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great. So it's a bit of an updated version. But that one here gives us a good visual representation of what we are talking about when we are talking about the market.\n\nAnd this gives us a bit more of a long term view. So you can see here that it goes from 1995 through to 2025. And you can see that when we are looking long term, a market always goes up. The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations. Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets.\n\nNow these are your top four. So that is your US shares. So you can see that kind of light green line. The Australian shares, which is, like, your dark green line. You have international shares, which is your yellow.\n\nAnd then you have your property, which is your kind of maroon color. So these are your growth investments. So you can see here that they grow the most over the long term, but they also fluctuate the most as well. The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference. So we see 80% invested in those top four, and then we have 20 in the bottom three there.\n\nSo you will have, you know, cash, fixed interest, and then goals can come into it as well. And you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable. Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate. In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement. In a growth portfolio, we wanna allow at least six years.\n\nIt's not always just time, though, that comes into play. It's also what you are comfortable with. Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio. But how do you feel? Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio?\n\nMaintain the high risk? Okay. Perfect. Now I'll still go and review your investments, like I said, just to see if we wanna make any changes. You do have, like I said, the time frame behind you.\n\nIt will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation. But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term. The short term, a little bit more fluctuations. And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it. And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure.\n\nDoes that all make sense? Yep. Perfect. Now what is the next investment sorry. The next document that you have there?\n\nYep. Perfect. Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially. And what's what's your next one? Yep.\n\nYep. Perfect. So you have kind of threw straight after each other. One is the financial services guide here, which is just kind of a smaller version of three pages. And then the next one is the OQ services guide version one, which is your little bigger document.\n\nCan you see that that bigger one as well? Yep. Perfect. Now, again, you would have seen this one before. It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you.\n\nNone of the important information has changed, but we've had a bit of an update through marketing. So you may see a bit of an updated photos. And we've also had a bit of an extension to the team, which is nice. Now if you do scroll through this document, and I'll let you have a read over that in your own time. But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys.\n\nYep. Perfect. Now the next document you should see, is that an ongoing service agreement? Does it say fee consent form hub 24 at the top? Yes.\n\nPerfect. Sorry. This is the one, if you are happy to do so, that it will ask for your signature. And that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure.\n\nIt stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime. Time.\n\nDoes that make sense? Yep. Perfect. And there should be potentially one more after this one. Is that a tax file number opt in form?\n\nOption to provide tax file number? Okay. Are you happy to do that? Yep. Like I said, there's no lock in contract or anything like that and no changes to the fee structure.\n\nAll the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time. Or if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for you. Yep. So that one here, it is just another compliance form that I will ask you to add a signature for. And, basically, it just says that we are keeping your tax phone number secure and safe on file for you.\n\nAnd once you've added those two signature, it should say validate, I believe. Yep. And then it should have probably a little, like, cogwheel to load, and then that will send it through to myself, and I can get that all loaded on your account. K. Perfect.\n\nWhile I wait for that one to come through, what I will do is just go to go through just a little bit of an updated fact find with you there as well just to see if there is anything else that has changed in in your life, if we need to make any other changes to your advice at all. So kind of bear with me as I go through this information. Now when it comes to your personal information, I have you down here as married. That's still the case? Yep.\n\nBeautiful. And do you have any financial dependents at home? No. And I don't have a next stop keen on file for you. So that it can be anybody, and that is just someone that in the event that we, for some reason, cannot get in touch with you, someone that we can contact.\n\nWho would you like that person to be? Yep. Perfect. And what's his name, please? Yep.\n\nPerfect. It's the same last name as you? Okay. Perfect. Do you have, like, a change of name form and updated ID or not yet?\n\nMhmm. Yep. Yep. So what I will do after the call is that I will get my colleague, Whitlam, who does all the administration for me, to send you an email because what we can do is we can then get your name changed with Hub twenty four and Clearview to make sure we have all of that updated. Now just for our records, I can still change your last name that we have on file, though, for you.\n\nSo what's your new last name? Perfect. And is that the same last name as your husband? Yeah. Okay.\n\nPerfect. Now I'll update our records, but like I said, I will get my colleague, Whitlam, to send you the forms of what is required for changing it with HUB twenty four and your ClearView insurances. Now what is his best contact name, please? A contact number. Sorry.\n\nOne zero. Yep. Nine three six. Yep. 252.\n\nBeautiful. Thank you so much. Now employment wise, has any of that changed in the last twelve months? Are you still a operations manager? Yep.\n\nPerfect. Still working full time as well? Yep. Perfect. And I have income at about 80,000.\n\nHas that changed at all? It's about the same? Okay. And I have here as well that your employer pays the standard 12% contribution into superannuation. Like, there's no special enterprise bargaining agreement or anything like that.\n\nIs that correct? Yep. Perfect. And I have here as well that you guys save about $50 per week. Is that still the case as well, or has that changed with living expenses and everything going up?\n\nYeah. Yeah. Yeah. Yeah. And even, like, just grocery shopping, getting takeaway coffee, anything like that, well, it's just going up.\n\nSo, yeah, a lot of people are very much in the same boat. Now asset wise, I have here that your property was last died at about 1,000,000. Is that still the case, or do you know if that went up a little bit? About $8.40? Okay.\n\nPerfect. And I have mortgage at around 500. Yep. Yes. What's owing?\n\nAbout 500? Yep. Perfect. Do you have a motor vehicle or a boat or bike or anything like that? Nope.\n\nAnd I have here liabilities, a personal loan of about 30,000. Is that still the case as well? Yep. Perfect. Any other new assets or liabilities we haven't gone through in the last twelve months?\n\nNo. Great. And health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep.\n\nBeautiful. And have you had any significant health issues or injuries at all in the last twelve months? No? Okay. Do you take any medications or anything?\n\nNo. Perfect. And do you have private health insurance? Yep. Now estate planning wise, do you have a will or power of attorney in place or anyone who makes any financial decisions on your behalf?\n\nNo. Perfect. And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file. 50% going through your husband and then 50% through another person, and it says they're interdependent relationship. Do you know who that person is?\n\nYeah. And what are their relationship to yourself? Your mom. And with your mom, because there are quite tight restrict restrictions on who you can actually nominate directly through superannuation as a valid nomination. So with your mom, does she live with you guys?\n\nYeah. Okay. And does she kind of rely on you guys a little bit financially for suit support or domestic support or anything like that? Yep. Okay.\n\nPerfect. That that is good because that means that she is having that interdependency relationship that you note noted on the form is correct. So so that is good. I do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria. And I wanna make sure that we have the right nomination.\n\nSo you have done everything perfectly, which is great. Now for your insurances, though, we don't have a nomination on file. So we have it for your super, but not for your Clearview insurances. So would you like it to be the same split, or do you want it anything differently? Yep.\n\nNow because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed. So do you have access to a printer, or do you prefer that to be posted out to you? Print it? Okay. So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter.\n\nAnd then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish. Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal? How am I going with that? Is still still the case, or has anything changed? So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track.\n\nIs that still kind of the plan for you guys? Yep. Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all? Yep. Yep.\n\nYes. Beautiful. That sounds good. Mhmm. Yeah.\n\nYes. There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment. So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement. Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super. One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses.\n\nThe other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means. Now the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and can't meet the expenses. Is that something you guys are looking at quite soon, or do you know time frame lives at all? Yes. Yeah.\n\nAnd do you think you would like to start that process? Like, have you guys had an an appointment? Do you know anything about, you know, the fees or anything like that as of yet? Yep. Yeah.\n\nYeah. I have a lot of friends who's who's going through it as well. Yep. Yep. Okay.\n\nYes. Yeah. Yes. Yes. So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know.\n\nJust send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses. So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you. Yep. Perfect. So, yeah, just just let me know how it all goes.\n\nBut, yeah, that is I'm glad you asked because often people don't think you can access super for that. So I'm I'm very glad you did ask. At least like you said, you'd know that there is a potential other option if it needs needs be. So so that is good. I'll make a little note here as well just that we are aware that that might be a a situation for you.\n\nBut is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied? Yeah. Yeah. You definitely can. But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change.\n\nBut what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you. That way you have the forms if you would like to change it, and you can change the percentage to whatever you want. Yep. Perfect. Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day?\n\nYes. Please do. And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you? Now it will take me about a week to put it all together. So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you?\n\nBut I don't work on Fridays, unfortunately. I do late days on Thursdays if during the day is tricky for you. Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work. Do you want me to tentatively book that in? Or I'll book Yep.\n\nOkay. I'll book it in on Monday, June 22 at 04:30. But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you. Okay. Beautiful.\n\nWell, thank you so much for your time today. It was lovely speaking with you. Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research. And like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you. Yep.\n\nNo problem at all. You enjoy the rest of your day, and I look forward to speaking with you on the twenty second. Mhmm. Thank you. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.32459133863449097},{"text":"This is Veronica from Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.27879119515419004},{"text":"How are you?","start":5.52,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2254971464474996},{"text":"I'm good.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.5865336656570435},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.7165788412094116}],"sentiment":"positive","sentiment_score":0.3804182218653815,"num_words":14,"start":2.8,"end":10.5},{"sentences":[{"text":"I had you booked in this morning to go over your annual review.","start":11.04,"end":14.16,"sentiment":"positive","sentiment_score":0.4297927778500777},{"text":"Is now still a good time for you?","start":14.16,"end":15.825,"sentiment":"positive","sentiment_score":0.35527125000953674},{"text":"Yep.","start":17.744999,"end":18.244999,"sentiment":"neutral","sentiment_score":0.13346609473228457},{"text":"Perfect.","start":18.305,"end":18.805,"sentiment":"positive","sentiment_score":0.3704743683338166},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.185,"end":27.125,"sentiment":"neutral","sentiment_score":0.05358368627213199}],"sentiment":"neutral","sentiment_score":0.2016796822516391,"num_words":52,"start":11.04,"end":27.125},{"sentences":[{"text":"Yep.","start":30.24,"end":30.74,"sentiment":"neutral","sentiment_score":0.15880514681339264},{"text":"Perfect.","start":31.04,"end":31.54,"sentiment":"neutral","sentiment_score":0.26360058784484863},{"text":"And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please?","start":32.08,"end":41.745,"sentiment":"neutral","sentiment_score":0.08661187308676102},{"text":"Yep.","start":49.344997,"end":49.844997,"sentiment":"neutral","sentiment_score":0.03409774228930473},{"text":"Yep.","start":52.385,"end":52.885,"sentiment":"neutral","sentiment_score":0.11775848269462584}],"sentiment":"neutral","sentiment_score":0.09260699064715912,"num_words":38,"start":30.24,"end":52.885},{"sentences":[{"text":"Perfect.","start":52.945,"end":53.425,"sentiment":"positive","sentiment_score":0.4329029321670532},{"text":"That's exactly what I have here.","start":53.425,"end":55.684998,"sentiment":"positive","sentiment_score":0.4664272467295329},{"text":"How's your morning been so far?","start":56.230003,"end":57.75,"sentiment":"neutral","sentiment_score":0.12434417257706325},{"text":"Been busy?","start":57.75,"end":58.49,"sentiment":"neutral","sentiment_score":0.02651095110923052},{"text":"Yeah.","start":60.870003,"end":61.370003,"sentiment":"neutral","sentiment_score":0.037258803844451904}],"sentiment":"neutral","sentiment_score":0.25423825962934643,"num_words":16,"start":52.945,"end":61.370003},{"sentences":[{"text":"Yeah.","start":62.390003,"end":62.79,"sentiment":"neutral","sentiment_score":0.04650624096393585},{"text":"Well, I will try not to keep you for too long.","start":62.79,"end":65.21,"sentiment":"neutral","sentiment_score":-0.00584877146915956},{"text":"But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at?","start":65.83,"end":79.905,"sentiment":"neutral","sentiment_score":0.021940422363024063},{"text":"Yeah.","start":111.05,"end":111.450005,"sentiment":"neutral","sentiment_score":0.01319405809044838},{"text":"And that is a very good question.","start":111.450005,"end":113.07,"sentiment":"neutral","sentiment_score":0.1348302657050746}],"sentiment":"neutral","sentiment_score":0.02888996716258892,"num_words":72,"start":62.390003,"end":113.07},{"sentences":[{"text":"Now do you have access to your emails at the moment?","start":113.770004,"end":116.01,"sentiment":"neutral","sentiment_score":0.03947636434300379},{"text":"Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months.","start":116.01,"end":123.845,"sentiment":"neutral","sentiment_score":0.05147638188844377},{"text":"So while I go through it, do you have access to your emails at the moment?","start":124.385,"end":127.925,"sentiment":"neutral","sentiment_score":0.01294475921895355},{"text":"Yep.","start":129.345,"end":129.745,"sentiment":"neutral","sentiment_score":0.06662885844707489},{"text":"Perfect.","start":129.745,"end":130.245,"sentiment":"neutral","sentiment_score":0.14521680772304535}],"sentiment":"neutral","sentiment_score":0.03893494554886631,"num_words":51,"start":113.770004,"end":130.245},{"sentences":[{"text":"Now did you receive my email okay?","start":131.265,"end":133.845,"sentiment":"neutral","sentiment_score":0.06507186804498945},{"text":"Sure.","start":137.36,"end":137.86,"sentiment":"neutral","sentiment_score":0.021686049178242683},{"text":"And we have recently changed our software as well, so it could end up in the spam folder as well.","start":139.52,"end":147.7,"sentiment":"neutral","sentiment_score":-0.13426107987761499},{"text":"Yeah.","start":159.095,"end":159.41501,"sentiment":"neutral","sentiment_score":0.053193554282188416},{"text":"Sure.","start":159.41501,"end":159.91501,"sentiment":"neutral","sentiment_score":0.11058823764324188}],"sentiment":"neutral","sentiment_score":-0.06814168933779001,"num_words":30,"start":131.265,"end":159.91501},{"sentences":[{"text":"Is that working okay for you?","start":258.11,"end":259.88998,"sentiment":"neutral","sentiment_score":0.1667435715595881},{"text":"Just as I just as you answered the phone for about four minutes ago.","start":266.99,"end":271.49,"sentiment":"neutral","sentiment_score":-0.034709514384823184},{"text":"No.","start":278.495,"end":278.73502,"sentiment":"neutral","sentiment_score":-0.31060123443603516},{"text":"That's okay.","start":278.73502,"end":279.635,"sentiment":"neutral","sentiment_score":-0.2204544022679329},{"text":"Yeah.","start":292.34998,"end":292.84998,"sentiment":"neutral","sentiment_score":0.05959363281726837}],"sentiment":"neutral","sentiment_score":-0.007391174091026187,"num_words":24,"start":258.11,"end":292.84998},{"sentences":[{"text":"Perfect.","start":292.91,"end":293.41,"sentiment":"positive","sentiment_score":0.34366506338119507},{"text":"So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything.","start":294.50998,"end":306.225,"sentiment":"neutral","sentiment_score":0.19992619639055598},{"text":"Yep.","start":315.41998,"end":315.74,"sentiment":"neutral","sentiment_score":0.13362671434879303},{"text":"Okay.","start":315.74,"end":316.06,"sentiment":"neutral","sentiment_score":0.2647940516471863},{"text":"Perfect.","start":316.06,"end":316.53998,"sentiment":"positive","sentiment_score":0.4900829792022705}],"sentiment":"neutral","sentiment_score":0.2107377969659865,"num_words":40,"start":292.91,"end":316.53998},{"sentences":[{"text":"Now to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first.","start":316.53998,"end":325.17502,"sentiment":"positive","sentiment_score":0.3521540731191635},{"text":"So if you're having to scroll back and forth.","start":325.475,"end":327.49503,"sentiment":"neutral","sentiment_score":0.13295110977358288},{"text":"Yes.","start":334.77,"end":335.27,"sentiment":"neutral","sentiment_score":0.190267413854599},{"text":"Perfect.","start":335.41,"end":335.91,"sentiment":"positive","sentiment_score":0.36123818159103394},{"text":"So that one here gives you a breakdown of your current situation.","start":336.37,"end":339.51,"sentiment":"neutral","sentiment_score":0.2742699906229973}],"sentiment":"neutral","sentiment_score":0.29441372951808964,"num_words":53,"start":316.53998,"end":339.51},{"sentences":[{"text":"So you can see here that you have your superannuation with hub twenty four, and you can see that as of yesterday when we prepared these documents, your super balance was up at $98,562.","start":340.05,"end":355.195,"sentiment":"neutral","sentiment_score":0.17140145709409432},{"text":"Now underneath that, you can see your ClearView insurances.","start":357.57498,"end":362.07498,"sentiment":"neutral","sentiment_score":0.06567371057139502},{"text":"So you have life and total permanent disability insurance of $689,474.","start":363.12,"end":373.62,"sentiment":"neutral","sentiment_score":0.051509019495411354},{"text":"Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them?","start":374.32,"end":384.915,"sentiment":"neutral","sentiment_score":0.028942621140568343},{"text":"Nope.","start":387.135,"end":387.635,"sentiment":"neutral","sentiment_score":-0.23309260606765747}],"sentiment":"neutral","sentiment_score":0.09187402823803628,"num_words":82,"start":340.05,"end":387.635},{"sentences":[{"text":"Great.","start":388.095,"end":388.415,"sentiment":"positive","sentiment_score":0.367867648601532},{"text":"Perfect.","start":388.415,"end":388.915,"sentiment":"positive","sentiment_score":0.389151394367218},{"text":"You also have an income protection policy as well, and that will pay you a monthly amount of $5,362 per month.","start":389.45502,"end":398.95,"sentiment":"neutral","sentiment_score":0.200485355087689},{"text":"You have a sixty day waiting period and a five year benefit period.","start":399.41,"end":403.83002,"sentiment":"neutral","sentiment_score":0.18101897950355822},{"text":"All those three are paid from within hub 24, so you don't pay for them out of pocket.","start":404.93,"end":410.245,"sentiment":"neutral","sentiment_score":0.18893116960922876}],"sentiment":"neutral","sentiment_score":0.19854109789486285,"num_words":54,"start":388.095,"end":410.245},{"sentences":[{"text":"You do get a 15% tax rebate.","start":410.70502,"end":413.125,"sentiment":"neutral","sentiment_score":0.22276662290096283},{"text":"So after that, it is $1,419.","start":413.265,"end":417.285,"sentiment":"neutral","sentiment_score":0.17709443718194962},{"text":"You happy with your income protection as well?","start":417.585,"end":420.005,"sentiment":"neutral","sentiment_score":0.24214638769626617},{"text":"Yeah.","start":421.59998,"end":421.91998,"sentiment":"neutral","sentiment_score":0.1276485025882721},{"text":"Perfect.","start":421.91998,"end":422.41998,"sentiment":"neutral","sentiment_score":0.20745986700057983}],"sentiment":"neutral","sentiment_score":0.21279184585032257,"num_words":23,"start":410.70502,"end":422.41998},{"sentences":[{"text":"And I can see here that you don't have trauma insurance.","start":422.63998,"end":425.59998,"sentiment":"neutral","sentiment_score":0.08024185997518626},{"text":"You're still happy to not have trauma insurance?","start":425.59998,"end":427.78,"sentiment":"neutral","sentiment_score":0.06382607249543071},{"text":"Trauma insurance?","start":430.96,"end":432.74,"sentiment":"neutral","sentiment_score":-0.07501748949289322},{"text":"Yes.","start":437.235,"end":437.735,"sentiment":"positive","sentiment_score":0.5392752885818481},{"text":"Yeah.","start":438.275,"end":438.595,"sentiment":"positive","sentiment_score":0.4109395146369934}],"sentiment":"neutral","sentiment_score":0.09536734190971954,"num_words":23,"start":422.63998,"end":438.595},{"sentences":[{"text":"Okay.","start":438.595,"end":439.07498,"sentiment":"positive","sentiment_score":0.39302778244018555},{"text":"Perfect.","start":439.07498,"end":439.555,"sentiment":"positive","sentiment_score":0.6715798377990723},{"text":"It is something I do just need to triple check, so that is good.","start":439.555,"end":442.995,"sentiment":"positive","sentiment_score":0.4717687453542437},{"text":"We will leave trauma insurance out for you.","start":442.995,"end":445.97498,"sentiment":"neutral","sentiment_score":0.11077269352972507},{"text":"Now the next document, what is that one you can see?","start":446.92,"end":450.30002,"sentiment":"neutral","sentiment_score":0.04470630565827543}],"sentiment":"neutral","sentiment_score":0.25849488473364285,"num_words":35,"start":438.595,"end":450.30002},{"sentences":[{"text":"Yes.","start":453.72,"end":454.2,"sentiment":"neutral","sentiment_score":0.1777907907962799},{"text":"Perfect.","start":454.2,"end":454.7,"sentiment":"positive","sentiment_score":0.36136144399642944},{"text":"So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment.","start":454.76,"end":464.525,"sentiment":"neutral","sentiment_score":0.1507647662290505},{"text":"So the last twelve months, we have seen quite a bit of fluctuation in the market.","start":465.225,"end":469.725,"sentiment":"neutral","sentiment_score":-0.00017154752276837826},{"text":"I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US.","start":470.345,"end":476.01,"sentiment":"neutral","sentiment_score":-0.007403164429383146}],"sentiment":"neutral","sentiment_score":0.07999883567206037,"num_words":71,"start":453.72,"end":476.01},{"sentences":[{"text":"So, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market.","start":476.39,"end":481.69,"sentiment":"neutral","sentiment_score":-0.01328802884866794},{"text":"And, obviously, more recently with everything going on with the war as well, we have seen quite a bit of movement as a result of all of that as well.","start":482.55,"end":490.875,"sentiment":"neutral","sentiment_score":0.01149130289753278},{"text":"Now that is quite natural with what is going on in the market.","start":491.495,"end":495.435,"sentiment":"neutral","sentiment_score":0.10894310245147118},{"text":"And over time, you will have period, especially because you are in a high growth portfolio at the moment, that there will be time when the market fluctuates a little bit.","start":496.69498,"end":506.62003,"sentiment":"neutral","sentiment_score":0.07494552673832063},{"text":"You will see a bit of fluctuations in your superannuation.","start":506.62003,"end":509.2,"sentiment":"neutral","sentiment_score":0.05708955377340317}],"sentiment":"neutral","sentiment_score":0.0432943310405986,"num_words":102,"start":476.39,"end":509.2},{"sentences":[{"text":"But long term, the goal is to try to grow that as much as possible.","start":510.46002,"end":513.84,"sentiment":"neutral","sentiment_score":0.222521044810613},{"text":"Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance.","start":514.45496,"end":531.07,"sentiment":"neutral","sentiment_score":0.10331058644113086},{"text":"So can you see where I'm at at the moment?","start":532.01,"end":534.19,"sentiment":"neutral","sentiment_score":0.05552036985754967},{"text":"Correct.","start":540.905,"end":541.405,"sentiment":"neutral","sentiment_score":0.08762147277593613},{"text":"Yes.","start":541.78503,"end":542.28503,"sentiment":"neutral","sentiment_score":0.1239144802093506}],"sentiment":"neutral","sentiment_score":0.12237101382967355,"num_words":69,"start":510.46002,"end":542.28503},{"sentences":[{"text":"Perfect.","start":542.505,"end":543.005,"sentiment":"neutral","sentiment_score":0.226448655128479},{"text":"Now if you look on the second column to the right, it should say internal rate of return.","start":543.30505,"end":549.005,"sentiment":"neutral","sentiment_score":0.07039915687508053},{"text":"Can you see that okay?","start":554.68,"end":555.89996,"sentiment":"neutral","sentiment_score":0.05137993395328522},{"text":"Yes.","start":564.055,"end":564.555,"sentiment":"neutral","sentiment_score":0.03577762097120285},{"text":"Correct.","start":565.575,"end":565.975,"sentiment":"neutral","sentiment_score":0.06321060657501221}],"sentiment":"neutral","sentiment_score":0.07113543754586807,"num_words":26,"start":542.505,"end":565.975},{"sentences":[{"text":"So on page two, where it says you will have one line where it says total portfolio, and then you'll have a a bunch of different columns And the second column through, like, the right, almost at the end, it should say total internal rate of return.","start":565.975,"end":583.92004,"sentiment":"neutral","sentiment_score":0.04712031789599581},{"text":"Yeah.","start":585.98004,"end":586.3,"sentiment":"neutral","sentiment_score":0.023203369230031967},{"text":"Perfect.","start":586.3,"end":586.8,"sentiment":"positive","sentiment_score":0.7393589615821838},{"text":"Now that shows us how your investments alone have performed over the last twelve months.","start":587.10004,"end":595.03503,"sentiment":"positive","sentiment_score":0.41359539826711017},{"text":"So when we are looking at a twelve month period, and then this is all after fees.","start":595.335,"end":600.395,"sentiment":"neutral","sentiment_score":0.1095470836495652}],"sentiment":"neutral","sentiment_score":0.13633887244411458,"num_words":81,"start":565.975,"end":600.395},{"sentences":[{"text":"So after all fees have come out of your account, your portfolio has still grown despite the fluctuations in the market by 8.55% in the last twelve months, which we're quite happy with given the market condition.","start":600.695,"end":616.76996,"sentiment":"positive","sentiment_score":0.4965173163124033},{"text":"So that is actually a a pretty good outcome for the last twelve months.","start":617.995,"end":621.755,"sentiment":"positive","sentiment_score":0.7765204310417175},{"text":"So I know you said, obviously, there will be period of time during the twelve months depending on when you look that things will obviously go up and down, and that's why we like to do a twelve month performance to show you what's happened at the end of the twelve month period.","start":621.755,"end":638.78,"sentiment":"neutral","sentiment_score":0.059134413681502615},{"text":"Because on a daily, everything will fluctuate.","start":639.24,"end":641.42,"sentiment":"neutral","sentiment_score":-0.005049775221518108},{"text":"Now if you scroll up to the first page, that one here breaks down all your individual investments.","start":642.04,"end":648.765,"sentiment":"neutral","sentiment_score":0.03494792048715883}],"sentiment":"neutral","sentiment_score":0.2555834481045026,"num_words":129,"start":600.695,"end":648.765},{"sentences":[{"text":"So it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed.","start":648.98505,"end":660.74,"sentiment":"neutral","sentiment_score":0.058216855054100354},{"text":"So second column again to the right, you can see the performance on each and every single one of these investments individually.","start":661.6,"end":670.18,"sentiment":"neutral","sentiment_score":0.06343906000256538},{"text":"So you can see here that has been a bit of a mixed market.","start":671.285,"end":674.185,"sentiment":"neutral","sentiment_score":0.009685954877308436},{"text":"You can see that the one that has the bracket next to it, they are down.","start":674.32495,"end":680.58496,"sentiment":"neutral","sentiment_score":-0.022771230898797512},{"text":"The others are doing really well.","start":681.045,"end":683.305,"sentiment":"neutral","sentiment_score":0.27763399481773376}],"sentiment":"neutral","sentiment_score":0.052036734255538744,"num_words":88,"start":648.98505,"end":683.305},{"sentences":[{"text":"Are you following where I'm at at the moment?","start":683.4,"end":685.42004,"sentiment":"neutral","sentiment_score":0.03859708002871937},{"text":"Yeah.","start":686.92004,"end":687.32,"sentiment":"neutral","sentiment_score":0.177566260099411},{"text":"Perfect.","start":687.32,"end":687.82,"sentiment":"positive","sentiment_score":0.372639000415802},{"text":"So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased.","start":688.2,"end":700.385,"sentiment":"neutral","sentiment_score":0.19575507073633133},{"text":"So that one has seen a a bit of a crazy jump.","start":700.385,"end":703.105,"sentiment":"positive","sentiment_score":0.3571461886167526}],"sentiment":"neutral","sentiment_score":0.20836556364816647,"num_words":54,"start":683.4,"end":703.105},{"sentences":[{"text":"So that one is up by a 111%.","start":703.105,"end":705.445,"sentiment":"positive","sentiment_score":0.4482884630560875},{"text":"You can also see that the Asia 50 is up by about 67%, which is pretty crazy.","start":706.625,"end":712.725,"sentiment":"neutral","sentiment_score":0.29837315310450163},{"text":"You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top.","start":713.6,"end":723.13995,"sentiment":"neutral","sentiment_score":0.2220973853142031},{"text":"Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments.","start":724.0,"end":733.33496,"sentiment":"neutral","sentiment_score":0.26401142034679653},{"text":"We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market.","start":733.875,"end":748.45,"sentiment":"neutral","sentiment_score":0.21105536326233829}],"sentiment":"neutral","sentiment_score":0.24790551900238234,"num_words":137,"start":703.105,"end":748.45},{"sentences":[{"text":"So with your Benelung investment, that one here recently has underperformed a little bit.","start":749.07,"end":756.29004,"sentiment":"neutral","sentiment_score":0.1386676819196769},{"text":"So before, it was one of the, best performing fund managers.","start":756.795,"end":760.235,"sentiment":"neutral","sentiment_score":0.1515243256633932},{"text":"They were doing really well.","start":760.235,"end":761.695,"sentiment":"neutral","sentiment_score":0.07514994293451309},{"text":"But more recently, they've been a little bit slower in making their investment decision.","start":762.315,"end":766.815,"sentiment":"negative","sentiment_score":-0.3584488518536091},{"text":"And the investment committee, we do a lot of research all the time.","start":767.835,"end":770.82,"sentiment":"neutral","sentiment_score":-0.2889033086024798}],"sentiment":"neutral","sentiment_score":-0.08403793147258591,"num_words":57,"start":749.07,"end":770.82},{"sentences":[{"text":"And if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you.","start":770.82,"end":782.12,"sentiment":"neutral","sentiment_score":-0.22303665181001028},{"text":"Does that all make sense so far?","start":783.14,"end":784.92004,"sentiment":"neutral","sentiment_score":-0.005325363150664738},{"text":"Yes.","start":786.415,"end":786.815,"sentiment":"neutral","sentiment_score":0.18057596683502197},{"text":"Perfect.","start":786.815,"end":787.315,"sentiment":"positive","sentiment_score":0.4442838430404663},{"text":"So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes.","start":787.615,"end":799.5,"sentiment":"neutral","sentiment_score":0.30378669920640117}],"sentiment":"neutral","sentiment_score":0.03408582400944498,"num_words":90,"start":770.82,"end":799.5},{"sentences":[{"text":"Even though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now.","start":799.96,"end":810.38,"sentiment":"positive","sentiment_score":0.37870977357739494},{"text":"So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think.","start":810.60004,"end":820.295,"sentiment":"neutral","sentiment_score":0.3217682003190643},{"text":"Would you be happy with that?","start":820.295,"end":821.675,"sentiment":"neutral","sentiment_score":0.24875361720720926},{"text":"Yep.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":0.1715909242630005},{"text":"Perfect.","start":824.135,"end":824.635,"sentiment":"neutral","sentiment_score":0.2684122920036316}],"sentiment":"positive","sentiment_score":0.34165371615778317,"num_words":88,"start":799.96,"end":824.635},{"sentences":[{"text":"Now do you have any questions so far?","start":824.935,"end":827.03503,"sentiment":"neutral","sentiment_score":0.10452927742153406},{"text":"No.","start":829.09,"end":829.41,"sentiment":"neutral","sentiment_score":-0.024383217096328735},{"text":"Okay.","start":829.41,"end":829.91,"sentiment":"neutral","sentiment_score":0.036863721907138824},{"text":"Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything.","start":830.29,"end":841.49,"sentiment":"neutral","sentiment_score":0.16624306839319966},{"text":"So what I will do is quickly run through just a bit of a risk profile questionnaire.","start":841.49,"end":846.145,"sentiment":"neutral","sentiment_score":0.2806016048964332}],"sentiment":"neutral","sentiment_score":0.18573236426916614,"num_words":58,"start":824.935,"end":846.145},{"sentences":[{"text":"It is just multiple choice to make it nice and easy for you, and there is no right or wrong answer.","start":846.205,"end":852.625,"sentiment":"positive","sentiment_score":0.3669086992740631},{"text":"It's just whatever you feel is the most appropriate for you.","start":852.685,"end":856.065,"sentiment":"positive","sentiment_score":0.3551571613008326},{"text":"And think of this as well as, obviously, your your suit for investment.","start":856.52997,"end":860.23,"sentiment":"neutral","sentiment_score":0.2839084852200288},{"text":"Okay?","start":860.44995,"end":860.94995,"sentiment":"neutral","sentiment_score":0.04787573590874672},{"text":"Yep.","start":862.69,"end":863.19,"sentiment":"neutral","sentiment_score":0.09043876826763152}],"sentiment":"neutral","sentiment_score":0.32853055895960076,"num_words":47,"start":846.205,"end":863.19},{"sentences":[{"text":"Now have you ever bought direct shares yourself on the stock market?","start":863.97,"end":868.55,"sentiment":"neutral","sentiment_score":0.043816756612310805},{"text":"No.","start":871.235,"end":871.735,"sentiment":"neutral","sentiment_score":-0.12632837891578674},{"text":"And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation?","start":872.995,"end":884.81,"sentiment":"neutral","sentiment_score":-0.04520649175074967},{"text":"Tomorrow if you win the lottery.","start":891.02997,"end":892.49,"sentiment":"neutral","sentiment_score":0.059531922762592636},{"text":"So with the current legislation, is that the earliest you can access to if you stop working is 60.","start":895.26996,"end":902.895,"sentiment":"neutral","sentiment_score":-0.04435246251523495}],"sentiment":"neutral","sentiment_score":-0.022223194064178938,"num_words":71,"start":863.97,"end":902.895},{"sentences":[{"text":"Now I have here that last time we spoke to you, you said 67.","start":903.435,"end":906.47504,"sentiment":"neutral","sentiment_score":-0.01075965166091919},{"text":"So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire?","start":906.47504,"end":912.575,"sentiment":"neutral","sentiment_score":0.0025914271051685014},{"text":"Yeah.","start":914.30005,"end":914.7,"sentiment":"neutral","sentiment_score":0.2359323501586914},{"text":"Beautiful.","start":914.7,"end":915.2,"sentiment":"positive","sentiment_score":0.620444118976593},{"text":"I think most people are like that.","start":916.62006,"end":918.06006,"sentiment":"positive","sentiment_score":0.5328469404152462}],"sentiment":"neutral","sentiment_score":0.08515873098007913,"num_words":53,"start":903.435,"end":918.06006},{"sentences":[{"text":"Like, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement.","start":918.06006,"end":922.72003,"sentiment":"positive","sentiment_score":0.5738071021106508},{"text":"And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient.","start":924.46,"end":935.315,"sentiment":"neutral","sentiment_score":0.27768408826419283},{"text":"Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more?","start":936.015,"end":943.15497,"sentiment":"neutral","sentiment_score":0.11787299051880837},{"text":"Keep it the same?","start":948.25,"end":948.97,"sentiment":"neutral","sentiment_score":0.1573222540318966},{"text":"Yep.","start":948.97,"end":949.44995,"sentiment":"neutral","sentiment_score":0.23138022422790527}],"sentiment":"neutral","sentiment_score":0.28740921603089353,"num_words":83,"start":918.06006,"end":949.44995},{"sentences":[{"text":"Perfect.","start":949.44995,"end":949.94995,"sentiment":"positive","sentiment_score":0.5536020398139954},{"text":"And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage.","start":950.73,"end":957.29,"sentiment":"neutral","sentiment_score":0.3092171872655551},{"text":"So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that.","start":957.29,"end":965.98505,"sentiment":"neutral","sentiment_score":0.17137823382328296},{"text":"But most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income.","start":966.04504,"end":973.63,"sentiment":"neutral","sentiment_score":0.2874721539647956},{"text":"Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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":975.61,"end":995.265,"sentiment":"neutral","sentiment_score":0.027068250709109835}],"sentiment":"neutral","sentiment_score":0.1564444077061856,"num_words":127,"start":949.44995,"end":995.265},{"sentences":[{"text":"Small?","start":1002.54004,"end":1003.04004,"sentiment":"neutral","sentiment_score":0.00031185150146484375},{"text":"Okay.","start":1003.18,"end":1003.68,"sentiment":"neutral","sentiment_score":-0.04894557595252991},{"text":"And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":1005.5,"end":1027.21,"sentiment":"neutral","sentiment_score":-0.2751397056461767},{"text":"Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens?","start":1028.15,"end":1041.705,"sentiment":"neutral","sentiment_score":-0.17933673201047856},{"text":"Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset?","start":1042.4049,"end":1050.0249,"sentiment":"neutral","sentiment_score":-0.22832918099381708}],"sentiment":"neutral","sentiment_score":-0.22258736921754557,"num_words":113,"start":1002.54004,"end":1050.0249},{"sentences":[{"text":"Neutral?","start":1056.79,"end":1057.29,"sentiment":"neutral","sentiment_score":-0.019118163734674457},{"text":"Yep.","start":1057.67,"end":1058.17,"sentiment":"neutral","sentiment_score":0.036296796053647995},{"text":"Yep.","start":1059.83,"end":1060.33,"sentiment":"neutral","sentiment_score":0.011072741821408272},{"text":"Yep.","start":1061.1901,"end":1061.6901,"sentiment":"neutral","sentiment_score":0.2093397080898285},{"text":"Perfect.","start":1061.75,"end":1062.25,"sentiment":"positive","sentiment_score":0.48680010437965393}],"sentiment":"neutral","sentiment_score":0.14487823732197286,"num_words":5,"start":1056.79,"end":1062.25},{"sentences":[{"text":"And when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious?","start":1064.005,"end":1087.68,"sentiment":"neutral","sentiment_score":0.021203324509163696},{"text":"Cautious.","start":1090.4751,"end":1090.9751,"sentiment":"neutral","sentiment_score":-0.050954125821590424},{"text":"Perfect.","start":1091.355,"end":1091.855,"sentiment":"neutral","sentiment_score":0.25320756435394287},{"text":"And last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":1092.7151,"end":1099.4551,"sentiment":"neutral","sentiment_score":-0.005671273426789986},{"text":"No.","start":1103.29,"end":1103.79,"sentiment":"neutral","sentiment_score":-0.09679380059242249}],"sentiment":"neutral","sentiment_score":0.014506643132439682,"num_words":70,"start":1064.005,"end":1103.79},{"sentences":[{"text":"Would you ever consider taking out a loan to buy an investment property?","start":1103.93,"end":1108.1101,"sentiment":"neutral","sentiment_score":-0.05305402754591061},{"text":"Potentially.","start":1110.9701,"end":1111.4701,"sentiment":"neutral","sentiment_score":0.05788872390985489},{"text":"Okay.","start":1111.6901,"end":1112.0901,"sentiment":"neutral","sentiment_score":0.1294732391834259},{"text":"Perfect.","start":1112.0901,"end":1112.5901,"sentiment":"neutral","sentiment_score":0.252665251493454},{"text":"Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in.","start":1113.93,"end":1124.155,"sentiment":"neutral","sentiment_score":0.024059799465316313}],"sentiment":"neutral","sentiment_score":0.00930091725705668,"num_words":43,"start":1103.93,"end":1124.155},{"sentences":[{"text":"Now do you know the difference between a high growth and a growth investor at all?","start":1124.375,"end":1128.6,"sentiment":"neutral","sentiment_score":-0.01840438146609813},{"text":"No.","start":1130.6,"end":1131.1,"sentiment":"neutral","sentiment_score":-0.09863770008087158},{"text":"So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that.","start":1131.24,"end":1147.1749,"sentiment":"neutral","sentiment_score":-0.022976389415562154},{"text":"Now the difference is when it comes to time frame and asset allocation.","start":1147.5549,"end":1152.455,"sentiment":"neutral","sentiment_score":0.020241714727420073},{"text":"So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere?","start":1153.155,"end":1166.54,"sentiment":"neutral","sentiment_score":0.06342593789100646}],"sentiment":"neutral","sentiment_score":0.002922509184905461,"num_words":105,"start":1124.375,"end":1166.54},{"sentences":[{"text":"Yep.","start":1168.12,"end":1168.62,"sentiment":"neutral","sentiment_score":0.12096647918224336},{"text":"Oh, beautiful.","start":1169.8,"end":1170.8251,"sentiment":"neutral","sentiment_score":0.3054975988343358},{"text":"Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great.","start":1171.2051,"end":1178.805,"sentiment":"neutral","sentiment_score":0.2933762058939623},{"text":"So it's a bit of an updated version.","start":1178.805,"end":1180.8251,"sentiment":"neutral","sentiment_score":0.2757683750241995},{"text":"But that one here gives us a good visual representation of what we are talking about when we are talking about the market.","start":1181.285,"end":1188.0599,"sentiment":"positive","sentiment_score":0.3689289391040802}],"sentiment":"neutral","sentiment_score":0.3187917019649033,"num_words":57,"start":1168.12,"end":1188.0599},{"sentences":[{"text":"And this gives us a bit more of a long term view.","start":1188.44,"end":1190.9199,"sentiment":"neutral","sentiment_score":0.26105784128109616},{"text":"So you can see here that it goes from 1995 through to 2025.","start":1190.9199,"end":1196.7799,"sentiment":"neutral","sentiment_score":0.13280988885806158},{"text":"And you can see that when we are looking long term, a market always goes up.","start":1196.9149,"end":1201.335,"sentiment":"neutral","sentiment_score":0.12003465928137302},{"text":"The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations.","start":1201.5549,"end":1207.975,"sentiment":"neutral","sentiment_score":-0.1013532667642548},{"text":"Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets.","start":1209.075,"end":1225.02,"sentiment":"neutral","sentiment_score":0.06706041760924386}],"sentiment":"neutral","sentiment_score":0.07185277397048126,"num_words":103,"start":1188.44,"end":1225.02},{"sentences":[{"text":"Now these are your top four.","start":1225.575,"end":1227.595,"sentiment":"neutral","sentiment_score":0.11423596739768982},{"text":"So that is your US shares.","start":1227.655,"end":1229.1749,"sentiment":"neutral","sentiment_score":0.1059533233443896},{"text":"So you can see that kind of light green line.","start":1229.1749,"end":1231.755,"sentiment":"neutral","sentiment_score":0.11844085603952408},{"text":"The Australian shares, which is, like, your dark green line.","start":1232.455,"end":1236.235,"sentiment":"neutral","sentiment_score":0.11670669615268707},{"text":"You have international shares, which is your yellow.","start":1236.695,"end":1239.595,"sentiment":"neutral","sentiment_score":0.11924600321799517}],"sentiment":"neutral","sentiment_score":0.11566448230296374,"num_words":40,"start":1225.575,"end":1239.595},{"sentences":[{"text":"And then you have your property, which is your kind of maroon color.","start":1240.3301,"end":1244.1101,"sentiment":"neutral","sentiment_score":0.11962828383995937},{"text":"So these are your growth investments.","start":1244.4901,"end":1246.5901,"sentiment":"neutral","sentiment_score":0.19291570534308752},{"text":"So you can see here that they grow the most over the long term, but they also fluctuate the most as well.","start":1246.7301,"end":1253.9501,"sentiment":"neutral","sentiment_score":0.20827680216594177},{"text":"The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference.","start":1255.3949,"end":1263.335,"sentiment":"neutral","sentiment_score":0.04422441460192204},{"text":"So we see 80% invested in those top four, and then we have 20 in the bottom three there.","start":1263.5549,"end":1271.52,"sentiment":"neutral","sentiment_score":0.17435097184620404}],"sentiment":"neutral","sentiment_score":0.1436488540843129,"num_words":80,"start":1240.3301,"end":1271.52},{"sentences":[{"text":"So you will have, you know, cash, fixed interest, and then goals can come into it as well.","start":1271.8201,"end":1277.28,"sentiment":"neutral","sentiment_score":0.24746782001521853},{"text":"And you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable.","start":1277.58,"end":1284.395,"sentiment":"neutral","sentiment_score":0.1744634535908699},{"text":"Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate.","start":1285.895,"end":1295.515,"sentiment":"neutral","sentiment_score":0.07275783959211725},{"text":"In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement.","start":1296.53,"end":1304.15,"sentiment":"neutral","sentiment_score":0.08218751211340229},{"text":"In a growth portfolio, we wanna allow at least six years.","start":1304.53,"end":1307.985,"sentiment":"neutral","sentiment_score":0.10709962113337083}],"sentiment":"neutral","sentiment_score":0.12943794531328184,"num_words":111,"start":1271.8201,"end":1307.985},{"sentences":[{"text":"It's not always just time, though, that comes into play.","start":1308.545,"end":1311.905,"sentiment":"neutral","sentiment_score":0.00840846577193588},{"text":"It's also what you are comfortable with.","start":1311.905,"end":1314.325,"sentiment":"positive","sentiment_score":0.40546577317374094},{"text":"Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio.","start":1314.865,"end":1326.55,"sentiment":"neutral","sentiment_score":-0.007760398856857244},{"text":"But how do you feel?","start":1327.33,"end":1328.69,"sentiment":"neutral","sentiment_score":0.06932533830404282},{"text":"Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio?","start":1328.69,"end":1339.505,"sentiment":"neutral","sentiment_score":0.11252904725926263}],"sentiment":"neutral","sentiment_score":0.07630367971864621,"num_words":91,"start":1308.545,"end":1339.505},{"sentences":[{"text":"Maintain the high risk?","start":1344.925,"end":1346.125,"sentiment":"neutral","sentiment_score":-0.02185025066137314},{"text":"Okay.","start":1346.125,"end":1346.625,"sentiment":"neutral","sentiment_score":0.2159656882286072},{"text":"Perfect.","start":1346.765,"end":1347.265,"sentiment":"positive","sentiment_score":0.4401876032352447},{"text":"Now I'll still go and review your investments, like I said, just to see if we wanna make any changes.","start":1348.23,"end":1354.49,"sentiment":"neutral","sentiment_score":0.24814121052622795},{"text":"You do have, like I said, the time frame behind you.","start":1355.35,"end":1358.73,"sentiment":"neutral","sentiment_score":0.15458710898052563}],"sentiment":"neutral","sentiment_score":0.19546039724672162,"num_words":37,"start":1344.925,"end":1358.73},{"sentences":[{"text":"It will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation.","start":1359.11,"end":1363.5249,"sentiment":"neutral","sentiment_score":0.13062115303344196},{"text":"But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term.","start":1364.1449,"end":1370.565,"sentiment":"neutral","sentiment_score":0.2924430355429649},{"text":"The short term, a little bit more fluctuations.","start":1370.7849,"end":1372.6449,"sentiment":"neutral","sentiment_score":0.15497749205678701},{"text":"And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it.","start":1372.7849,"end":1381.5,"sentiment":"neutral","sentiment_score":0.23350188479973719},{"text":"And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure.","start":1381.5,"end":1388.96,"sentiment":"neutral","sentiment_score":0.10017048716545104}],"sentiment":"neutral","sentiment_score":0.19037304510888847,"num_words":92,"start":1359.11,"end":1388.96},{"sentences":[{"text":"Does that all make sense?","start":1389.02,"end":1390.32,"sentiment":"neutral","sentiment_score":0.13222492933273317},{"text":"Yep.","start":1391.555,"end":1391.955,"sentiment":"neutral","sentiment_score":0.15404176712036133},{"text":"Perfect.","start":1391.955,"end":1392.455,"sentiment":"neutral","sentiment_score":0.3014126121997833},{"text":"Now what is the next investment sorry.","start":1392.915,"end":1396.035,"sentiment":"neutral","sentiment_score":0.059970282284276824},{"text":"The next document that you have there?","start":1396.035,"end":1398.615,"sentiment":"neutral","sentiment_score":0.01762590796819755}],"sentiment":"neutral","sentiment_score":0.07903582655957767,"num_words":21,"start":1389.02,"end":1398.615},{"sentences":[{"text":"Yep.","start":1401.875,"end":1402.355,"sentiment":"neutral","sentiment_score":0.11151586472988129},{"text":"Perfect.","start":1402.355,"end":1402.855,"sentiment":"neutral","sentiment_score":0.2507205605506897},{"text":"Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially.","start":1403.16,"end":1411.26,"sentiment":"neutral","sentiment_score":0.15375537772973377},{"text":"And what's what's your next one?","start":1413.0801,"end":1414.935,"sentiment":"neutral","sentiment_score":0.029648988818128903},{"text":"Yep.","start":1419.8151,"end":1420.3151,"sentiment":"neutral","sentiment_score":0.058139022439718246}],"sentiment":"neutral","sentiment_score":0.13361360801336092,"num_words":39,"start":1401.875,"end":1420.3151},{"sentences":[{"text":"Yep.","start":1420.6951,"end":1421.0951,"sentiment":"neutral","sentiment_score":0.10403706878423692},{"text":"Perfect.","start":1421.0951,"end":1421.5751,"sentiment":"neutral","sentiment_score":0.25653648376464844},{"text":"So you have kind of threw straight after each other.","start":1421.5751,"end":1423.9751,"sentiment":"neutral","sentiment_score":0.10976231694221497},{"text":"One is the financial services guide here, which is just kind of a smaller version of three pages.","start":1423.9751,"end":1430.8899,"sentiment":"neutral","sentiment_score":0.06818175108896361},{"text":"And then the next one is the OQ services guide version one, which is your little bigger document.","start":1432.3899,"end":1439.9299,"sentiment":"neutral","sentiment_score":0.07177990944021279}],"sentiment":"neutral","sentiment_score":0.08286472107283771,"num_words":48,"start":1420.6951,"end":1439.9299},{"sentences":[{"text":"Can you see that that bigger one as well?","start":1439.99,"end":1442.25,"sentiment":"neutral","sentiment_score":0.08570452200041877},{"text":"Yep.","start":1443.635,"end":1444.135,"sentiment":"neutral","sentiment_score":0.1652386039495468},{"text":"Perfect.","start":1444.195,"end":1444.6749,"sentiment":"neutral","sentiment_score":0.3290330171585083},{"text":"Now, again, you would have seen this one before.","start":1444.6749,"end":1446.755,"sentiment":"neutral","sentiment_score":0.18690230283472273},{"text":"It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you.","start":1446.755,"end":1453.975,"sentiment":"neutral","sentiment_score":0.2843137027128883}],"sentiment":"neutral","sentiment_score":0.22062670248885488,"num_words":43,"start":1439.99,"end":1453.975},{"sentences":[{"text":"None of the important information has changed, but we've had a bit of an update through marketing.","start":1454.275,"end":1459.57,"sentiment":"neutral","sentiment_score":0.054450332241899824},{"text":"So you may see a bit of an updated photos.","start":1459.63,"end":1461.89,"sentiment":"neutral","sentiment_score":0.23100036829710008},{"text":"And we've also had a bit of an extension to the team, which is nice.","start":1462.6699,"end":1466.21,"sentiment":"positive","sentiment_score":0.519952102502187},{"text":"Now if you do scroll through this document, and I'll let you have a read over that in your own time.","start":1467.07,"end":1472.605,"sentiment":"neutral","sentiment_score":0.22598133768354142},{"text":"But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys.","start":1472.605,"end":1487.52,"sentiment":"neutral","sentiment_score":0.14992563929912206}],"sentiment":"neutral","sentiment_score":0.2132779761403799,"num_words":100,"start":1454.275,"end":1487.52},{"sentences":[{"text":"Yep.","start":1489.1,"end":1489.58,"sentiment":"neutral","sentiment_score":0.2094789743423462},{"text":"Perfect.","start":1489.58,"end":1490.08,"sentiment":"positive","sentiment_score":0.4233490824699402},{"text":"Now the next document you should see, is that an ongoing service agreement?","start":1491.42,"end":1496.64,"sentiment":"neutral","sentiment_score":0.11469510140327308},{"text":"Does it say fee consent form hub 24 at the top?","start":1498.715,"end":1502.895,"sentiment":"neutral","sentiment_score":0.044614465568553315},{"text":"Yes.","start":1507.1951,"end":1507.6951,"sentiment":"neutral","sentiment_score":0.19460612535476685}],"sentiment":"neutral","sentiment_score":0.10404554154309961,"num_words":27,"start":1489.1,"end":1507.6951},{"sentences":[{"text":"Perfect.","start":1507.835,"end":1508.335,"sentiment":"positive","sentiment_score":0.4064261317253113},{"text":"Sorry.","start":1508.475,"end":1508.875,"sentiment":"neutral","sentiment_score":0.2856290936470032},{"text":"This is the one, if you are happy to do so, that it will ask for your signature.","start":1508.875,"end":1512.735,"sentiment":"positive","sentiment_score":0.3855748342143165},{"text":"And that is just to say that you are happy to stay on as a client.","start":1513.67,"end":1517.53,"sentiment":"positive","sentiment_score":0.5789698101580143},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1518.15,"end":1523.29,"sentiment":"neutral","sentiment_score":0.061427600060900055}],"sentiment":"positive","sentiment_score":0.36735521676018834,"num_words":48,"start":1507.835,"end":1523.29},{"sentences":[{"text":"It stays exactly the same at 1.65 from super.","start":1523.4299,"end":1528.25,"sentiment":"neutral","sentiment_score":0.2819012287590239},{"text":"No changes in regards to that, and it is not a lock in contract.","start":1528.875,"end":1533.135,"sentiment":"neutral","sentiment_score":0.027465723188860074},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1533.595,"end":1538.335,"sentiment":"neutral","sentiment_score":0.039094524871971875},{"text":"But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime.","start":1538.715,"end":1544.55,"sentiment":"positive","sentiment_score":0.345279641804241},{"text":"Time.","start":1544.55,"end":1544.87,"sentiment":"neutral","sentiment_score":0.06218765303492546}],"sentiment":"neutral","sentiment_score":0.1736252819380117,"num_words":63,"start":1523.4299,"end":1544.87},{"sentences":[{"text":"Does that make sense?","start":1544.87,"end":1546.01,"sentiment":"neutral","sentiment_score":0.07403823360800743},{"text":"Yep.","start":1547.75,"end":1548.2301,"sentiment":"neutral","sentiment_score":0.15255692601203918},{"text":"Perfect.","start":1548.2301,"end":1548.7301,"sentiment":"neutral","sentiment_score":0.2425704002380371},{"text":"And there should be potentially one more after this one.","start":1548.9501,"end":1553.93,"sentiment":"neutral","sentiment_score":0.08304110988974571},{"text":"Is that a tax file number opt in form?","start":1554.7101,"end":1557.6101,"sentiment":"neutral","sentiment_score":0.04176483696533574}],"sentiment":"neutral","sentiment_score":0.0759029956907034,"num_words":25,"start":1544.87,"end":1557.6101},{"sentences":[{"text":"Option to provide tax file number?","start":1565.685,"end":1567.9451,"sentiment":"neutral","sentiment_score":0.013109426479786634},{"text":"Okay.","start":1576.02,"end":1576.42,"sentiment":"neutral","sentiment_score":0.06932444870471954},{"text":"Are you happy to do that?","start":1576.42,"end":1577.9601,"sentiment":"neutral","sentiment_score":0.11736825356880824},{"text":"Yep.","start":1580.9,"end":1581.4,"sentiment":"neutral","sentiment_score":0.10628920048475266},{"text":"Like I said, there's no lock in contract or anything like that and no changes to the fee structure.","start":1584.675,"end":1589.8151,"sentiment":"neutral","sentiment_score":0.05988472817759765}],"sentiment":"neutral","sentiment_score":0.06352392620773929,"num_words":33,"start":1565.685,"end":1589.8151},{"sentences":[{"text":"All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time.","start":1596.53,"end":1605.41,"sentiment":"neutral","sentiment_score":0.2773862625871386},{"text":"Or if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for you.","start":1605.41,"end":1614.145,"sentiment":"positive","sentiment_score":0.43645363321175445},{"text":"Yep.","start":1620.605,"end":1621.085,"sentiment":"neutral","sentiment_score":0.25598883628845215},{"text":"So that one here, it is just another compliance form that I will ask you to add a signature for.","start":1621.085,"end":1626.49,"sentiment":"neutral","sentiment_score":0.29649813324213026},{"text":"And, basically, it just says that we are keeping your tax phone number secure and safe on file for you.","start":1627.27,"end":1633.2899,"sentiment":"positive","sentiment_score":0.40121568739414215}],"sentiment":"positive","sentiment_score":0.35458025547255456,"num_words":113,"start":1596.53,"end":1633.2899},{"sentences":[{"text":"And once you've added those two signature, it should say validate, I believe.","start":1636.39,"end":1641.0651,"sentiment":"neutral","sentiment_score":0.27326365732229674},{"text":"Yep.","start":1645.765,"end":1646.265,"sentiment":"neutral","sentiment_score":0.2364262193441391},{"text":"And then it should have probably a little, like, cogwheel to load, and then that will send it through to myself, and I can get that all loaded on your account.","start":1646.5651,"end":1656.72,"sentiment":"neutral","sentiment_score":0.2973793807529634},{"text":"K.","start":1664.06,"end":1664.4601,"sentiment":"neutral","sentiment_score":0.3280599117279053},{"text":"Perfect.","start":1664.4601,"end":1664.9601,"sentiment":"positive","sentiment_score":0.6228699684143066}],"sentiment":"neutral","sentiment_score":0.2969903074046399,"num_words":47,"start":1636.39,"end":1664.9601},{"sentences":[{"text":"While I wait for that one to come through, what I will do is just go to go through just a little bit of an updated fact find with you there as well just to see if there is anything else that has changed in in your life, if we need to make any other changes to your advice at all.","start":1665.02,"end":1681.05,"sentiment":"neutral","sentiment_score":0.27425214184112234},{"text":"So kind of bear with me as I go through this information.","start":1681.93,"end":1684.8301,"sentiment":"neutral","sentiment_score":0.10686396000285943},{"text":"Now when it comes to your personal information, I have you down here as married.","start":1685.93,"end":1690.81,"sentiment":"neutral","sentiment_score":0.007713557779788971},{"text":"That's still the case?","start":1690.81,"end":1691.9501,"sentiment":"neutral","sentiment_score":0.009644099278375506},{"text":"Yep.","start":1693.3049,"end":1693.705,"sentiment":"neutral","sentiment_score":0.2476007640361786}],"sentiment":"neutral","sentiment_score":0.19799600752891713,"num_words":93,"start":1665.02,"end":1693.705},{"sentences":[{"text":"Beautiful.","start":1693.705,"end":1694.205,"sentiment":"positive","sentiment_score":0.567383348941803},{"text":"And do you have any financial dependents at home?","start":1694.2649,"end":1697.4049,"sentiment":"neutral","sentiment_score":0.1422224131723245},{"text":"No.","start":1699.225,"end":1699.725,"sentiment":"neutral","sentiment_score":-0.2601946294307709},{"text":"And I don't have a next stop keen on file for you.","start":1700.1849,"end":1705.5449,"sentiment":"neutral","sentiment_score":-0.2347942553460598},{"text":"So that it can be anybody, and that is just someone that in the event that we, for some reason, cannot get in touch with you, someone that we can contact.","start":1705.5449,"end":1714.42,"sentiment":"neutral","sentiment_score":-0.10646097746587568}],"sentiment":"neutral","sentiment_score":-0.08390057273209095,"num_words":54,"start":1693.705,"end":1714.42},{"sentences":[{"text":"Who would you like that person to be?","start":1715.6799,"end":1717.94,"sentiment":"neutral","sentiment_score":-0.07126880623400211},{"text":"Yep.","start":1721.135,"end":1721.535,"sentiment":"neutral","sentiment_score":0.0947270318865776},{"text":"Perfect.","start":1721.535,"end":1722.035,"sentiment":"positive","sentiment_score":0.33613526821136475},{"text":"And what's his name, please?","start":1722.095,"end":1724.275,"sentiment":"neutral","sentiment_score":0.06066031455993652},{"text":"Yep.","start":1726.815,"end":1727.295,"sentiment":"neutral","sentiment_score":0.06080878525972366}],"sentiment":"neutral","sentiment_score":0.014051388017833233,"num_words":16,"start":1715.6799,"end":1727.295},{"sentences":[{"text":"Perfect.","start":1727.295,"end":1727.795,"sentiment":"neutral","sentiment_score":0.2745599150657654},{"text":"It's the same last name as you?","start":1728.575,"end":1730.275,"sentiment":"neutral","sentiment_score":0.09163136035203934},{"text":"Okay.","start":1734.83,"end":1735.31,"sentiment":"neutral","sentiment_score":0.0839557945728302},{"text":"Perfect.","start":1735.31,"end":1735.81,"sentiment":"neutral","sentiment_score":0.2740275263786316},{"text":"Do you have, like, a change of name form and updated ID or not yet?","start":1736.1901,"end":1746.295,"sentiment":"neutral","sentiment_score":0.009933095177014668}],"sentiment":"neutral","sentiment_score":0.0569183674454689,"num_words":25,"start":1727.295,"end":1746.295},{"sentences":[{"text":"Mhmm.","start":1750.035,"end":1750.535,"sentiment":"neutral","sentiment_score":0.03326591104269028},{"text":"Yep.","start":1753.235,"end":1753.735,"sentiment":"neutral","sentiment_score":0.06158566102385521},{"text":"Yep.","start":1757.81,"end":1758.31,"sentiment":"neutral","sentiment_score":-0.09091034531593324},{"text":"So what I will do after the call is that I will get my colleague, Whitlam, who does all the administration for me, to send you an email because what we can do is we can then get your name changed with Hub twenty four and Clearview to make sure we have all of that updated.","start":1758.4501,"end":1776.825,"sentiment":"neutral","sentiment_score":0.07712621660903096},{"text":"Now just for our records, I can still change your last name that we have on file, though, for you.","start":1777.285,"end":1782.585,"sentiment":"neutral","sentiment_score":0.041236350405961276}],"sentiment":"neutral","sentiment_score":0.06516121980981736,"num_words":79,"start":1750.035,"end":1782.585},{"sentences":[{"text":"So what's your new last name?","start":1782.725,"end":1784.585,"sentiment":"neutral","sentiment_score":0.015135803880790869},{"text":"Perfect.","start":1793.03,"end":1793.53,"sentiment":"neutral","sentiment_score":0.2930382192134857},{"text":"And is that the same last name as your husband?","start":1794.39,"end":1796.5701,"sentiment":"neutral","sentiment_score":0.10041098371148109},{"text":"Yeah.","start":1797.765,"end":1798.165,"sentiment":"neutral","sentiment_score":0.05855520814657211},{"text":"Okay.","start":1798.165,"end":1798.645,"sentiment":"neutral","sentiment_score":0.11173154413700104}],"sentiment":"neutral","sentiment_score":0.08201313852087448,"num_words":19,"start":1782.725,"end":1798.645},{"sentences":[{"text":"Perfect.","start":1798.645,"end":1799.145,"sentiment":"neutral","sentiment_score":0.25938183069229126},{"text":"Now I'll update our records, but like I said, I will get my colleague, Whitlam, to send you the forms of what is required for changing it with HUB twenty four and your ClearView insurances.","start":1799.3651,"end":1811.9451,"sentiment":"neutral","sentiment_score":0.11482704686267035},{"text":"Now what is his best contact name, please?","start":1813.99,"end":1816.97,"sentiment":"neutral","sentiment_score":0.03518604370765388},{"text":"A contact number.","start":1817.51,"end":1818.31,"sentiment":"neutral","sentiment_score":0.008415356588860353},{"text":"Sorry.","start":1818.31,"end":1818.81,"sentiment":"neutral","sentiment_score":-0.0019457465969026089}],"sentiment":"neutral","sentiment_score":0.09548160716076382,"num_words":48,"start":1798.645,"end":1818.81},{"sentences":[{"text":"One zero.","start":1821.8301,"end":1822.7101,"sentiment":"neutral","sentiment_score":-0.0022257764358073473},{"text":"Yep.","start":1822.7101,"end":1823.2101,"sentiment":"neutral","sentiment_score":0.007957400754094124},{"text":"Nine three six.","start":1825.525,"end":1826.805,"sentiment":"neutral","sentiment_score":0.005029940512031317},{"text":"Yep.","start":1826.805,"end":1827.305,"sentiment":"neutral","sentiment_score":0.011150727979838848},{"text":"252.","start":1829.285,"end":1830.245,"sentiment":"neutral","sentiment_score":0.03148192539811134}],"sentiment":"neutral","sentiment_score":0.007653540349565446,"num_words":8,"start":1821.8301,"end":1830.245},{"sentences":[{"text":"Beautiful.","start":1830.245,"end":1830.7251,"sentiment":"positive","sentiment_score":0.4026410579681397},{"text":"Thank you so much.","start":1830.7251,"end":1831.865,"sentiment":"positive","sentiment_score":0.5843309760093689},{"text":"Now employment wise, has any of that changed in the last twelve months?","start":1833.285,"end":1838.67,"sentiment":"neutral","sentiment_score":0.03709130046459345},{"text":"Are you still a operations manager?","start":1838.67,"end":1840.53,"sentiment":"neutral","sentiment_score":0.01211032597348094},{"text":"Yep.","start":1842.03,"end":1842.53,"sentiment":"neutral","sentiment_score":0.05807844549417496}],"sentiment":"neutral","sentiment_score":0.13411569077521562,"num_words":25,"start":1830.245,"end":1842.53},{"sentences":[{"text":"Perfect.","start":1842.59,"end":1843.09,"sentiment":"neutral","sentiment_score":0.13804197311401367},{"text":"Still working full time as well?","start":1844.03,"end":1846.37,"sentiment":"neutral","sentiment_score":0.0978478454053402},{"text":"Yep.","start":1847.63,"end":1848.03,"sentiment":"neutral","sentiment_score":0.04792551323771477},{"text":"Perfect.","start":1848.03,"end":1848.53,"sentiment":"neutral","sentiment_score":0.11234709620475768},{"text":"And I have income at about 80,000.","start":1848.91,"end":1851.39,"sentiment":"neutral","sentiment_score":0.04100546560117176}],"sentiment":"neutral","sentiment_score":0.0732774946372956,"num_words":16,"start":1842.59,"end":1851.39},{"sentences":[{"text":"Has that changed at all?","start":1851.39,"end":1852.875,"sentiment":"neutral","sentiment_score":0.02403269410133362},{"text":"It's about the same?","start":1858.235,"end":1859.195,"sentiment":"neutral","sentiment_score":0.026234814431518316},{"text":"Okay.","start":1859.195,"end":1859.695,"sentiment":"neutral","sentiment_score":0.05869055539369583},{"text":"And I have here as well that your employer pays the standard 12% contribution into superannuation.","start":1861.035,"end":1867.78,"sentiment":"neutral","sentiment_score":0.08164778631180525},{"text":"Like, there's no special enterprise bargaining agreement or anything like that.","start":1868.24,"end":1872.72,"sentiment":"neutral","sentiment_score":0.029538097029382534}],"sentiment":"neutral","sentiment_score":0.05175883599833862,"num_words":37,"start":1851.39,"end":1872.72},{"sentences":[{"text":"Is that correct?","start":1872.72,"end":1873.62,"sentiment":"neutral","sentiment_score":0.0716031330327193},{"text":"Yep.","start":1874.8,"end":1875.3,"sentiment":"neutral","sentiment_score":0.112451434135437},{"text":"Perfect.","start":1875.76,"end":1876.26,"sentiment":"neutral","sentiment_score":0.2769879102706909},{"text":"And I have here as well that you guys save about $50 per week.","start":1876.4,"end":1880.655,"sentiment":"neutral","sentiment_score":0.21240965064082826},{"text":"Is that still the case as well, or has that changed with living expenses and everything going up?","start":1880.655,"end":1885.2351,"sentiment":"neutral","sentiment_score":0.06362374416655964}],"sentiment":"neutral","sentiment_score":0.12765435803983663,"num_words":37,"start":1872.72,"end":1885.2351},{"sentences":[{"text":"Yeah.","start":1889.2151,"end":1889.7151,"sentiment":"neutral","sentiment_score":-0.014142220839858057},{"text":"Yeah.","start":1889.8551,"end":1890.3551,"sentiment":"neutral","sentiment_score":-0.06319485604763031},{"text":"Yeah.","start":1892.255,"end":1892.755,"sentiment":"neutral","sentiment_score":-0.16962923109531405},{"text":"Yeah.","start":1897.4099,"end":1897.9099,"sentiment":"neutral","sentiment_score":-0.11464489996433258},{"text":"And even, like, just grocery shopping, getting takeaway coffee, anything like that, well, it's just going up.","start":1899.01,"end":1906.995,"sentiment":"neutral","sentiment_score":-0.16064972912563996}],"sentiment":"neutral","sentiment_score":-0.14726936205157212,"num_words":21,"start":1889.2151,"end":1906.995},{"sentences":[{"text":"So, yeah, a lot of people are very much in the same boat.","start":1906.995,"end":1909.895,"sentiment":"neutral","sentiment_score":-0.008384247238819417},{"text":"Now asset wise, I have here that your property was last died at about 1,000,000.","start":1912.035,"end":1918.055,"sentiment":"neutral","sentiment_score":-0.09291319598754247},{"text":"Is that still the case, or do you know if that went up a little bit?","start":1918.115,"end":1921.495,"sentiment":"neutral","sentiment_score":-0.08671546936966479},{"text":"About $8.40?","start":1933.1799,"end":1934.24,"sentiment":"neutral","sentiment_score":-0.02172015607357025},{"text":"Okay.","start":1935.655,"end":1936.155,"sentiment":"neutral","sentiment_score":0.08486918359994888}],"sentiment":"neutral","sentiment_score":-0.06061088919956634,"num_words":47,"start":1906.995,"end":1936.155},{"sentences":[{"text":"Perfect.","start":1936.2151,"end":1936.7151,"sentiment":"positive","sentiment_score":0.3809600472450256},{"text":"And I have mortgage at around 500.","start":1937.8151,"end":1940.9551,"sentiment":"neutral","sentiment_score":0.12135331971304757},{"text":"Yep.","start":1944.135,"end":1944.635,"sentiment":"neutral","sentiment_score":0.043372660875320435},{"text":"Yes.","start":1945.5751,"end":1946.0751,"sentiment":"neutral","sentiment_score":0.033173393458127975},{"text":"What's owing?","start":1946.375,"end":1947.115,"sentiment":"neutral","sentiment_score":0.007971087004989386}],"sentiment":"neutral","sentiment_score":0.11024345946498215,"num_words":12,"start":1936.2151,"end":1947.115},{"sentences":[{"text":"About 500?","start":1947.415,"end":1948.395,"sentiment":"neutral","sentiment_score":0.004738171584904194},{"text":"Yep.","start":1949.7,"end":1950.02,"sentiment":"neutral","sentiment_score":0.08176636695861816},{"text":"Perfect.","start":1950.02,"end":1950.52,"sentiment":"neutral","sentiment_score":0.2753181457519531},{"text":"Do you have a motor vehicle or a boat or bike or anything like that?","start":1951.38,"end":1956.76,"sentiment":"neutral","sentiment_score":0.05765875875949859},{"text":"Nope.","start":1958.26,"end":1958.76,"sentiment":"neutral","sentiment_score":-0.10821978747844696}],"sentiment":"neutral","sentiment_score":0.056161122489720584,"num_words":20,"start":1947.415,"end":1958.76},{"sentences":[{"text":"And I have here liabilities, a personal loan of about 30,000.","start":1959.0599,"end":1963.815,"sentiment":"neutral","sentiment_score":-0.09377392449162224},{"text":"Is that still the case as well?","start":1963.815,"end":1965.515,"sentiment":"neutral","sentiment_score":-0.06305528272475515},{"text":"Yep.","start":1966.695,"end":1967.015,"sentiment":"neutral","sentiment_score":0.06375941634178162},{"text":"Perfect.","start":1967.015,"end":1967.515,"sentiment":"neutral","sentiment_score":0.17641693353652954},{"text":"Any other new assets or liabilities we haven't gone through in the last twelve months?","start":1967.575,"end":1972.075,"sentiment":"neutral","sentiment_score":0.00891967217127482}],"sentiment":"neutral","sentiment_score":-0.03139796331524849,"num_words":35,"start":1959.0599,"end":1972.075},{"sentences":[{"text":"No.","start":1973.495,"end":1973.995,"sentiment":"neutral","sentiment_score":-0.10491736233234406},{"text":"Great.","start":1974.135,"end":1974.635,"sentiment":"neutral","sentiment_score":0.19781768321990967},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker.","start":1975.32,"end":1979.26,"sentiment":"neutral","sentiment_score":0.05983359423967508},{"text":"Is that still the case?","start":1979.5599,"end":1980.7799,"sentiment":"neutral","sentiment_score":0.010868163406848907},{"text":"Yep.","start":1981.88,"end":1982.2,"sentiment":"neutral","sentiment_score":0.0980345830321312}],"sentiment":"neutral","sentiment_score":0.04871964028903416,"num_words":21,"start":1973.495,"end":1982.2},{"sentences":[{"text":"Beautiful.","start":1982.2,"end":1982.6799,"sentiment":"positive","sentiment_score":0.38165831565856934},{"text":"And have you had any significant health issues or injuries at all in the last twelve months?","start":1982.6799,"end":1987.74,"sentiment":"neutral","sentiment_score":-0.04659336630035849},{"text":"No?","start":1991.715,"end":1992.115,"sentiment":"neutral","sentiment_score":-0.08247161656618118},{"text":"Okay.","start":1992.115,"end":1992.615,"sentiment":"neutral","sentiment_score":-0.0493859238922596},{"text":"Do you take any medications or anything?","start":1994.355,"end":1996.695,"sentiment":"neutral","sentiment_score":-0.07629881373473577}],"sentiment":"neutral","sentiment_score":-0.03986585733515245,"num_words":27,"start":1982.2,"end":1996.695},{"sentences":[{"text":"No.","start":1998.595,"end":1999.095,"sentiment":"neutral","sentiment_score":-0.06983067840337753},{"text":"Perfect.","start":1999.155,"end":1999.635,"sentiment":"neutral","sentiment_score":0.07464558631181717},{"text":"And do you have private health insurance?","start":1999.635,"end":2001.335,"sentiment":"neutral","sentiment_score":-0.015165435682450022},{"text":"Yep.","start":2003.01,"end":2003.51,"sentiment":"neutral","sentiment_score":0.017851652577519417},{"text":"Now estate planning wise, do you have a will or power of attorney in place or anyone who makes any financial decisions on your behalf?","start":2005.01,"end":2014.15,"sentiment":"neutral","sentiment_score":-0.0022819876670837403}],"sentiment":"neutral","sentiment_score":-0.00401546231337956,"num_words":35,"start":1998.595,"end":2014.15},{"sentences":[{"text":"No.","start":2017.0549,"end":2017.5349,"sentiment":"neutral","sentiment_score":-0.10624682903289796},{"text":"Perfect.","start":2017.5349,"end":2018.0349,"sentiment":"neutral","sentiment_score":0.1280842274427414},{"text":"And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file.","start":2018.6549,"end":2029.075,"sentiment":"neutral","sentiment_score":0.0399847709658471},{"text":"50% going through your husband and then 50% through another person, and it says they're interdependent relationship.","start":2030.26,"end":2038.4401,"sentiment":"neutral","sentiment_score":-0.011245700585491517},{"text":"Do you know who that person is?","start":2039.7,"end":2041.56,"sentiment":"neutral","sentiment_score":-0.037295008078217506}],"sentiment":"neutral","sentiment_score":0.009359591524116695,"num_words":48,"start":2017.0549,"end":2041.56},{"sentences":[{"text":"Yeah.","start":2043.1749,"end":2043.6749,"sentiment":"neutral","sentiment_score":-0.004819152876734734},{"text":"And what are their relationship to yourself?","start":2043.815,"end":2046.6349,"sentiment":"neutral","sentiment_score":-0.03410876515720572},{"text":"Your mom.","start":2049.335,"end":2050.075,"sentiment":"neutral","sentiment_score":-0.026490993797779083},{"text":"And with your mom, because there are quite tight restrict restrictions on who you can actually nominate directly through superannuation as a valid nomination.","start":2050.535,"end":2063.15,"sentiment":"neutral","sentiment_score":-0.08785988107168426},{"text":"So with your mom, does she live with you guys?","start":2063.8499,"end":2067.15,"sentiment":"neutral","sentiment_score":-0.031719865277409554}],"sentiment":"neutral","sentiment_score":-0.061872688524255696,"num_words":44,"start":2043.1749,"end":2067.15},{"sentences":[{"text":"Yeah.","start":2068.7952,"end":2069.115,"sentiment":"neutral","sentiment_score":0.005447030067443848},{"text":"Okay.","start":2069.115,"end":2069.615,"sentiment":"neutral","sentiment_score":-0.08341408520936966},{"text":"And does she kind of rely on you guys a little bit financially for suit support or domestic support or anything like that?","start":2069.995,"end":2078.095,"sentiment":"neutral","sentiment_score":-0.0002328470835219259},{"text":"Yep.","start":2079.5151,"end":2079.915,"sentiment":"neutral","sentiment_score":0.1158323734998703},{"text":"Okay.","start":2079.915,"end":2080.235,"sentiment":"neutral","sentiment_score":0.2674749791622162}],"sentiment":"neutral","sentiment_score":0.011110548688857644,"num_words":27,"start":2068.7952,"end":2080.235},{"sentences":[{"text":"Perfect.","start":2080.235,"end":2080.735,"sentiment":"positive","sentiment_score":0.6958362460136414},{"text":"That that is good because that means that she is having that interdependency relationship that you note noted on the form is correct.","start":2081.89,"end":2089.83,"sentiment":"positive","sentiment_score":0.5857349465722623},{"text":"So so that is good.","start":2091.01,"end":2092.21,"sentiment":"positive","sentiment_score":0.623537564277649},{"text":"I do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria.","start":2092.21,"end":2101.475,"sentiment":"neutral","sentiment_score":0.06277694374322891},{"text":"And I wanna make sure that we have the right nomination.","start":2102.095,"end":2104.595,"sentiment":"neutral","sentiment_score":0.14848704229701648}],"sentiment":"neutral","sentiment_score":0.31520321380633576,"num_words":65,"start":2080.235,"end":2104.595},{"sentences":[{"text":"So you have done everything perfectly, which is great.","start":2104.8152,"end":2107.475,"sentiment":"positive","sentiment_score":0.6841798689630296},{"text":"Now for your insurances, though, we don't have a nomination on file.","start":2107.935,"end":2113.46,"sentiment":"neutral","sentiment_score":-0.08579610846936703},{"text":"So we have it for your super, but not for your Clearview insurances.","start":2113.46,"end":2117.6401,"sentiment":"neutral","sentiment_score":-0.05671950601614439},{"text":"So would you like it to be the same split, or do you want it anything differently?","start":2119.06,"end":2124.655,"sentiment":"neutral","sentiment_score":-0.04717378384050201},{"text":"Yep.","start":2130.155,"end":2130.655,"sentiment":"neutral","sentiment_score":0.07296521961688995}],"sentiment":"neutral","sentiment_score":0.07041774682987195,"num_words":52,"start":2104.8152,"end":2130.655},{"sentences":[{"text":"Now because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed.","start":2130.875,"end":2141.2698,"sentiment":"neutral","sentiment_score":0.04864767399327508},{"text":"So do you have access to a printer, or do you prefer that to be posted out to you?","start":2142.13,"end":2148.95,"sentiment":"neutral","sentiment_score":0.03492652360153826},{"text":"Print it?","start":2155.105,"end":2155.665,"sentiment":"neutral","sentiment_score":0.04655368626117706},{"text":"Okay.","start":2155.665,"end":2156.165,"sentiment":"neutral","sentiment_score":0.1031886786222458},{"text":"So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter.","start":2156.225,"end":2166.36,"sentiment":"neutral","sentiment_score":0.15534080058336258}],"sentiment":"neutral","sentiment_score":0.08097634947319564,"num_words":76,"start":2130.875,"end":2166.36},{"sentences":[{"text":"And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish.","start":2166.58,"end":2179.64,"sentiment":"neutral","sentiment_score":0.19156457924721193},{"text":"Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal?","start":2182.435,"end":2194.61,"sentiment":"neutral","sentiment_score":0.09941874613816087},{"text":"How am I going with that?","start":2194.61,"end":2195.8901,"sentiment":"neutral","sentiment_score":0.027343322212497394},{"text":"Is still still the case, or has anything changed?","start":2195.8901,"end":2198.47,"sentiment":"neutral","sentiment_score":-0.03888512444165018},{"text":"So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track.","start":2199.1702,"end":2207.6501,"sentiment":"neutral","sentiment_score":0.11407345947292116}],"sentiment":"neutral","sentiment_score":0.1233716032019368,"num_words":135,"start":2166.58,"end":2207.6501},{"sentences":[{"text":"Is that still kind of the plan for you guys?","start":2207.6501,"end":2210.5352,"sentiment":"neutral","sentiment_score":0.12878189757466316},{"text":"Yep.","start":2212.115,"end":2212.615,"sentiment":"neutral","sentiment_score":0.020928647369146347},{"text":"Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all?","start":2213.395,"end":2219.975,"sentiment":"neutral","sentiment_score":0.07454035171995992},{"text":"Yep.","start":2230.13,"end":2230.63,"sentiment":"neutral","sentiment_score":0.08787965029478073},{"text":"Yep.","start":2242.3052,"end":2242.8052,"sentiment":"neutral","sentiment_score":0.06006309017539024}],"sentiment":"neutral","sentiment_score":0.08808662369847298,"num_words":36,"start":2207.6501,"end":2242.8052},{"sentences":[{"text":"Yes.","start":2250.0,"end":2250.5,"sentiment":"neutral","sentiment_score":0.23553729057312012},{"text":"Beautiful.","start":2250.64,"end":2251.14,"sentiment":"positive","sentiment_score":0.564135730266571},{"text":"That sounds good.","start":2251.52,"end":2252.66,"sentiment":"positive","sentiment_score":0.5771989027659098},{"text":"Mhmm.","start":2252.96,"end":2253.46,"sentiment":"neutral","sentiment_score":0.026403170078992844},{"text":"Yeah.","start":2262.2551,"end":2262.7551,"sentiment":"neutral","sentiment_score":0.017679966986179352}],"sentiment":"positive","sentiment_score":0.3679075523146561,"num_words":7,"start":2250.0,"end":2262.7551},{"sentences":[{"text":"Yes.","start":2268.0151,"end":2268.5151,"sentiment":"neutral","sentiment_score":0.05394202843308449},{"text":"There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment.","start":2273.23,"end":2287.855,"sentiment":"neutral","sentiment_score":0.005873450040817261},{"text":"So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement.","start":2287.9148,"end":2295.295,"sentiment":"neutral","sentiment_score":-0.054686773822388866},{"text":"Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super.","start":2296.55,"end":2305.1301,"sentiment":"neutral","sentiment_score":-0.03444327220320702},{"text":"One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses.","start":2305.59,"end":2314.145,"sentiment":"neutral","sentiment_score":-0.1408038008213043}],"sentiment":"neutral","sentiment_score":-0.05493375071685533,"num_words":98,"start":2268.0151,"end":2314.145},{"sentences":[{"text":"The other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means.","start":2314.685,"end":2333.2,"sentiment":"neutral","sentiment_score":0.0059267317361020025},{"text":"Now the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and can't meet the expenses.","start":2333.82,"end":2349.985,"sentiment":"neutral","sentiment_score":0.003629849828553922},{"text":"Is that something you guys are looking at quite soon, or do you know time frame lives at all?","start":2351.5,"end":2359.7598,"sentiment":"neutral","sentiment_score":-0.013151106081510844},{"text":"Yes.","start":2361.3398,"end":2361.8398,"sentiment":"neutral","sentiment_score":0.0674147754907608},{"text":"Yeah.","start":2362.14,"end":2362.64,"sentiment":"neutral","sentiment_score":0.06350161880254745}],"sentiment":"neutral","sentiment_score":0.002766206085976988,"num_words":101,"start":2314.685,"end":2362.64},{"sentences":[{"text":"And do you think you would like to start that process?","start":2363.5,"end":2367.935,"sentiment":"neutral","sentiment_score":0.07012876055457375},{"text":"Like, have you guys had an an appointment?","start":2367.935,"end":2369.695,"sentiment":"neutral","sentiment_score":0.040931905852630734},{"text":"Do you know anything about, you know, the fees or anything like that as of yet?","start":2369.695,"end":2373.475,"sentiment":"neutral","sentiment_score":-0.02342819469049573},{"text":"Yep.","start":2381.79,"end":2382.29,"sentiment":"neutral","sentiment_score":-0.0166645348072052},{"text":"Yeah.","start":2384.91,"end":2385.41,"sentiment":"neutral","sentiment_score":-0.05928222835063934}],"sentiment":"neutral","sentiment_score":0.01751550634366435,"num_words":37,"start":2363.5,"end":2385.41},{"sentences":[{"text":"Yeah.","start":2385.95,"end":2386.27,"sentiment":"neutral","sentiment_score":-0.045606788247823715},{"text":"I have a lot of friends who's who's going through it as well.","start":2386.27,"end":2389.57,"sentiment":"neutral","sentiment_score":0.019469066594655696},{"text":"Yep.","start":2394.0752,"end":2394.5752,"sentiment":"neutral","sentiment_score":-0.0742383524775505},{"text":"Yep.","start":2398.955,"end":2399.455,"sentiment":"neutral","sentiment_score":-0.003631308674812317},{"text":"Okay.","start":2403.61,"end":2404.11,"sentiment":"neutral","sentiment_score":-0.018547313287854195}],"sentiment":"neutral","sentiment_score":0.0065337707672049015,"num_words":17,"start":2385.95,"end":2404.11},{"sentences":[{"text":"Yes.","start":2409.21,"end":2409.71,"sentiment":"neutral","sentiment_score":-0.0212339349091053},{"text":"Yeah.","start":2411.61,"end":2412.11,"sentiment":"neutral","sentiment_score":-0.010727019980549812},{"text":"Yes.","start":2414.585,"end":2415.085,"sentiment":"neutral","sentiment_score":0.07601658999919891},{"text":"Yes.","start":2416.1848,"end":2416.6848,"sentiment":"neutral","sentiment_score":0.08039494603872299},{"text":"So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know.","start":2416.825,"end":2433.39,"sentiment":"neutral","sentiment_score":0.019992092890398844}],"sentiment":"neutral","sentiment_score":0.02095909744663083,"num_words":46,"start":2409.21,"end":2433.39},{"sentences":[{"text":"Just send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses.","start":2433.39,"end":2450.2651,"sentiment":"neutral","sentiment_score":0.1306605673610018},{"text":"So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you.","start":2451.125,"end":2460.8,"sentiment":"neutral","sentiment_score":0.13045634850859641},{"text":"Yep.","start":2461.98,"end":2462.48,"sentiment":"positive","sentiment_score":0.347454309463501},{"text":"Perfect.","start":2462.54,"end":2463.04,"sentiment":"positive","sentiment_score":0.6035555601119995},{"text":"So, yeah, just just let me know how it all goes.","start":2463.74,"end":2466.64,"sentiment":"neutral","sentiment_score":0.29214626821604645}],"sentiment":"neutral","sentiment_score":0.1565543029261263,"num_words":95,"start":2433.39,"end":2466.64},{"sentences":[{"text":"But, yeah, that is I'm glad you asked because often people don't think you can access super for that.","start":2468.22,"end":2474.165,"sentiment":"neutral","sentiment_score":0.23803796893671939},{"text":"So I'm I'm very glad you did ask.","start":2474.705,"end":2476.7852,"sentiment":"positive","sentiment_score":0.5770362205803394},{"text":"At least like you said, you'd know that there is a potential other option if it needs needs be.","start":2476.7852,"end":2482.965,"sentiment":"neutral","sentiment_score":0.16069579869508743},{"text":"So so that is good.","start":2484.0652,"end":2485.345,"sentiment":"positive","sentiment_score":0.5018158078193664},{"text":"I'll make a little note here as well just that we are aware that that might be a a situation for you.","start":2485.345,"end":2491.81,"sentiment":"neutral","sentiment_score":0.11788015660237182}],"sentiment":"neutral","sentiment_score":0.23691334019172683,"num_words":73,"start":2468.22,"end":2491.81},{"sentences":[{"text":"But is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied?","start":2492.4302,"end":2497.57,"sentiment":"neutral","sentiment_score":-0.01847782524095641},{"text":"Yeah.","start":2499.7102,"end":2500.2102,"sentiment":"neutral","sentiment_score":0.031286146491765976},{"text":"Yeah.","start":2511.935,"end":2512.255,"sentiment":"neutral","sentiment_score":0.0754019021987915},{"text":"You definitely can.","start":2512.255,"end":2513.535,"sentiment":"neutral","sentiment_score":0.1944066435098648},{"text":"But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change.","start":2513.535,"end":2520.73,"sentiment":"neutral","sentiment_score":-0.03232590516132337}],"sentiment":"neutral","sentiment_score":-0.01030984628945589,"num_words":50,"start":2492.4302,"end":2520.73},{"sentences":[{"text":"But what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you.","start":2521.9102,"end":2529.1301,"sentiment":"neutral","sentiment_score":0.18461871907114982},{"text":"That way you have the forms if you would like to change it, and you can change the percentage to whatever you want.","start":2529.435,"end":2534.895,"sentiment":"neutral","sentiment_score":0.15670278506434482},{"text":"Yep.","start":2536.075,"end":2536.5552,"sentiment":"positive","sentiment_score":0.5642439126968384},{"text":"Perfect.","start":2536.5552,"end":2537.0552,"sentiment":"positive","sentiment_score":0.7724504470825195},{"text":"Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day?","start":2538.075,"end":2543.73,"sentiment":"positive","sentiment_score":0.5505524948239326}],"sentiment":"neutral","sentiment_score":0.30769711174070835,"num_words":74,"start":2521.9102,"end":2543.73},{"sentences":[{"text":"Yes.","start":2547.81,"end":2548.31,"sentiment":"neutral","sentiment_score":0.12697353959083557},{"text":"Please do.","start":2552.45,"end":2553.25,"sentiment":"neutral","sentiment_score":0.2730926424264908},{"text":"And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you?","start":2553.25,"end":2566.365,"sentiment":"neutral","sentiment_score":0.1624434038641907},{"text":"Now it will take me about a week to put it all together.","start":2566.365,"end":2570.0652,"sentiment":"neutral","sentiment_score":0.06031665492516298},{"text":"So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you?","start":2571.2,"end":2579.8599,"sentiment":"neutral","sentiment_score":0.04478767405574521}],"sentiment":"neutral","sentiment_score":0.1140829570500589,"num_words":82,"start":2547.81,"end":2579.8599},{"sentences":[{"text":"But I don't work on Fridays, unfortunately.","start":2589.455,"end":2591.955,"sentiment":"neutral","sentiment_score":-0.209332637488842},{"text":"I do late days on Thursdays if during the day is tricky for you.","start":2593.855,"end":2600.93,"sentiment":"neutral","sentiment_score":-0.08675936103931495},{"text":"Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work.","start":2603.5498,"end":2616.415,"sentiment":"neutral","sentiment_score":0.034940171866647655},{"text":"Do you want me to tentatively book that in?","start":2623.21,"end":2625.69,"sentiment":"neutral","sentiment_score":0.025124722470839817},{"text":"Or I'll book Yep.","start":2625.69,"end":2628.5898,"sentiment":"neutral","sentiment_score":0.035731101874262094}],"sentiment":"neutral","sentiment_score":-0.018888727374947987,"num_words":65,"start":2589.455,"end":2628.5898},{"sentences":[{"text":"Okay.","start":2628.65,"end":2629.15,"sentiment":"neutral","sentiment_score":0.06630981713533401},{"text":"I'll book it in on Monday, June 22 at 04:30.","start":2631.945,"end":2636.205,"sentiment":"neutral","sentiment_score":0.09503118842840194},{"text":"But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you.","start":2636.665,"end":2646.39,"sentiment":"neutral","sentiment_score":-0.017410691517094772},{"text":"Okay.","start":2647.8298,"end":2648.3298,"sentiment":"positive","sentiment_score":0.5148530006408691},{"text":"Beautiful.","start":2648.39,"end":2648.89,"sentiment":"positive","sentiment_score":0.779489278793335}],"sentiment":"neutral","sentiment_score":0.05116506444441306,"num_words":37,"start":2628.65,"end":2648.89},{"sentences":[{"text":"Well, thank you so much for your time today.","start":2649.67,"end":2651.91,"sentiment":"positive","sentiment_score":0.8342930608325534},{"text":"It was lovely speaking with you.","start":2651.91,"end":2653.67,"sentiment":"positive","sentiment_score":0.9022762179374695},{"text":"Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research.","start":2653.99,"end":2665.515,"sentiment":"positive","sentiment_score":0.408202651143074},{"text":"And like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you.","start":2665.515,"end":2673.27,"sentiment":"neutral","sentiment_score":0.31506540506116804},{"text":"Yep.","start":2675.27,"end":2675.51,"sentiment":"positive","sentiment_score":0.4443206191062927}],"sentiment":"positive","sentiment_score":0.45358332272233637,"num_words":87,"start":2649.67,"end":2675.51},{"sentences":[{"text":"No problem at all.","start":2675.51,"end":2676.55,"sentiment":"positive","sentiment_score":0.6764517724514008},{"text":"You enjoy the rest of your day, and I look forward to speaking with you on the twenty second.","start":2676.55,"end":2680.17,"sentiment":"positive","sentiment_score":0.8008994711072821},{"text":"Mhmm.","start":2680.95,"end":2681.45,"sentiment":"positive","sentiment_score":0.5401600003242493},{"text":"Thank you.","start":2682.23,"end":2683.1301,"sentiment":"positive","sentiment_score":0.6207502484321594},{"text":"Bye.","start":2683.67,"end":2684.17,"sentiment":"neutral","sentiment_score":0.24036061763763428}],"sentiment":"positive","sentiment_score":0.7387006724322284,"num_words":27,"start":2675.51,"end":2684.17},{"sentences":[{"text":"Bye.","start":2685.19,"end":2685.69,"sentiment":"neutral","sentiment_score":0.12891748547554016}],"sentiment":"neutral","sentiment_score":0.12891748547554016,"num_words":1,"start":2685.19,"end":2685.69}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Yeah. That's fine. Yeah. Really. Twenty six again eighty four, and the address is 32 Arlington Parkway, New Collin. Yeah. That's in in the year. Not really. I just need to check. Like, I mean, for some reason, my I've noticed that my super hasn't really moved in the last since, like, mid year last year. Like, it's like, it got stuck around the 80 mark, and then now it may just move up to 90. So I don't know if there's any reason specific reasons for that, but I just need to understand if that's if there's any, yeah, if there's any really reason behind it. Yeah. Hold on. Hang on just one sec. When did you send it? Oh, I'm looking at the wrong email. Not yet. Okay. Yep. Okay. So I've got the summary of superannuation of the June 9. Okay. No. I'm happy with that. Yep. I don't have what insurance? Gosh. I'm happy to leave it. Yeah. Performance with IRM. Let's go. The second page? Yeah. Yeah. That's yeah. To to the right of the same page. Yeah. Yes. Yep. Yep. Sure. No. No. I wish I could. Yeah. I think we'll keep it the same. I see small. I think I'm a bit neutral about it. Just hold for a bit and see what happens. Yeah. Cautious. Not really. Potentially. Yeah. No. Yeah. This is the fifth patient. I'll maintain the high risk. Yep. Certificate of currency. Okay. Financial service guide. Services guide. Yes. Okay. Continue ongoing fee arrangement. Yes. It's forcing me to sign first before I can do the next document. Option to provide a phone number. Okay. Yeah. There's something right now. Yeah. No. Probably my husband. Oh, CN. No. That's I need to I need to update my last name. I've got my yeah. I've got my Australian passport changed. New surname. So how do I get that to you? Mhmm. Nexa, n for Nelly, e for echo, x for X-ray, h for hotel, a for alpha. Yeah. Number 0410 936 252. Yeah. Yeah. I think I think it's the same. Yep. Yeah. We're trying to it was a bit longer. Oh my gosh. The fluctuation in mortgage interest keeps going up. So I it's just impossible, but what's Yeah. I haven't really done it, but I think it's $8.40. Yeah. Yeah. Let's put Owen. Yeah. Yeah. No. Yeah. No. Yep. None. None. Yep. Not gonna no. Yeah. She's my mom. Yep. Yeah. Yes. I'll just put down my husband's for now. I can get it printed. Yeah. Yeah. Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband. But that's working in progress at the moment. And then once it's my name is from is released from this mortgage, and we're looking at getting our own place. But then, yeah, maybe two years from then, get an investment property, I guess. But, yeah, that's basically what I'm working towards at the moment. And also with considering going through IVF, I don't know if that's that can be considered, I guess, as part of the okay. Is that something that we could do potentially use our Super on? Okay. Yep. Yeah. Soon. Like, very soon. Yeah. Yeah. We did get some documentations from them around the fees involved, and it's it's a pretty it's pretty intense. Yeah. But it's it's quite intense looking at the the structure and and the cost involved to get it all done and stuff like that. But, yeah, it's it's just that it's just in case we're not able to fund, but I think, yeah, it's good to know if there's, like, another another option other than just, you know, out of pocket to to cover the fees and stuff like that. Yeah. Okay. Cool. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Just with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty? I don't know. Okay. Yeah. Okay. Cool. Yeah. Not that I can think of at the moment. But, yeah, I'll I'll reach out if I do have any other questions. I can do a Friday next week. Oh, okay. Yeah. Maybe. Yeah. Maybe yeah. It's put in the the twenty second. Okay. Cool. Alright. Thank you very much. You have a good day too. Alright. Bye for now. 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Yep. Yeah. That's fine. Yeah.\n\nReally. Twenty six again eighty four, and the address is 32 Arlington Parkway, New Collin. Yeah. That's in in the year. Not really.\n\nI just need to check. Like, I mean, for some reason, my I've noticed that my super hasn't really moved in the last since, like, mid year last year. Like, it's like, it got stuck around the 80 mark, and then now it may just move up to 90. So I don't know if there's any reason specific reasons for that, but I just need to understand if that's if there's any, yeah, if there's any really reason behind it. Yeah.\n\nHold on. Hang on just one sec. When did you send it? Oh, I'm looking at the wrong email. Not yet.\n\nOkay. Yep. Okay. So I've got the summary of superannuation of the June 9. Okay.\n\nNo. I'm happy with that. Yep. I don't have what insurance? Gosh.\n\nI'm happy to leave it. Yeah. Performance with IRM. Let's go. The second page?\n\nYeah. Yeah. That's yeah. To to the right of the same page. Yeah.\n\nYes. Yep. Yep. Sure. No.\n\nNo. I wish I could. Yeah. I think we'll keep it the same. I see small.\n\nI think I'm a bit neutral about it. Just hold for a bit and see what happens. Yeah. Cautious. Not really.\n\nPotentially. Yeah. No. Yeah. This is the fifth patient.\n\nI'll maintain the high risk. Yep. Certificate of currency. Okay. Financial service guide.\n\nServices guide. Yes. Okay. Continue ongoing fee arrangement. Yes.\n\nIt's forcing me to sign first before I can do the next document. Option to provide a phone number. Okay. Yeah. There's something right now.\n\nYeah. No. Probably my husband. Oh, CN. No.\n\nThat's I need to I need to update my last name. I've got my yeah. I've got my Australian passport changed. New surname. So how do I get that to you?\n\nMhmm. Nexa, n for Nelly, e for echo, x for X-ray, h for hotel, a for alpha. Yeah. Number 0410 936 252. Yeah.\n\nYeah. I think I think it's the same. Yep. Yeah. We're trying to it was a bit longer.\n\nOh my gosh. The fluctuation in mortgage interest keeps going up. So I it's just impossible, but what's Yeah. I haven't really done it, but I think it's $8.40. Yeah.\n\nYeah. Let's put Owen. Yeah. Yeah. No.\n\nYeah. No. Yep. None. None.\n\nYep. Not gonna no. Yeah. She's my mom. Yep.\n\nYeah. Yes. I'll just put down my husband's for now. I can get it printed. Yeah.\n\nYeah. Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband. But that's working in progress at the moment. And then once it's my name is from is released from this mortgage, and we're looking at getting our own place. But then, yeah, maybe two years from then, get an investment property, I guess.\n\nBut, yeah, that's basically what I'm working towards at the moment. And also with considering going through IVF, I don't know if that's that can be considered, I guess, as part of the okay. Is that something that we could do potentially use our Super on? Okay. Yep.\n\nYeah. Soon. Like, very soon. Yeah. Yeah.\n\nWe did get some documentations from them around the fees involved, and it's it's a pretty it's pretty intense. Yeah. But it's it's quite intense looking at the the structure and and the cost involved to get it all done and stuff like that. But, yeah, it's it's just that it's just in case we're not able to fund, but I think, yeah, it's good to know if there's, like, another another option other than just, you know, out of pocket to to cover the fees and stuff like that. Yeah.\n\nOkay. Cool. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yeah. Just with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty? I don't know.\n\nOkay. Yeah. Okay. Cool. Yeah.\n\nNot that I can think of at the moment. But, yeah, I'll I'll reach out if I do have any other questions. I can do a Friday next week. Oh, okay. Yeah.\n\nMaybe. Yeah. Maybe yeah. It's put in the the twenty second. Okay.\n\nCool. Alright. Thank you very much. You have a good day too. Alright.\n\nBye for now. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.042140647768974304},{"text":"Yep.","start":16.485,"end":16.985,"sentiment":"neutral","sentiment_score":0.0997001975774765},{"text":"Yeah.","start":29.32,"end":29.640001,"sentiment":"neutral","sentiment_score":0.11736932396888732},{"text":"That's fine.","start":29.640001,"end":30.460001,"sentiment":"neutral","sentiment_score":0.1690620332956314},{"text":"Yeah.","start":44.445004,"end":44.765003,"sentiment":"neutral","sentiment_score":0.030688468366861343}],"sentiment":"neutral","sentiment_score":0.10467045071224372,"num_words":6,"start":1.28,"end":44.765003},{"sentences":[{"text":"Really.","start":44.765003,"end":45.265003,"sentiment":"neutral","sentiment_score":0.032365407794713974},{"text":"Twenty six again eighty four, and the address is 32 Arlington Parkway, New 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with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty?","start":2499.75,"end":2510.735,"sentiment":"neutral","sentiment_score":0.027864868511204368},{"text":"I don't know.","start":2510.735,"end":2511.555,"sentiment":"neutral","sentiment_score":-0.04122775544722875}],"sentiment":"neutral","sentiment_score":0.028892381751740522,"num_words":33,"start":2483.335,"end":2511.555},{"sentences":[{"text":"Okay.","start":2521.1902,"end":2521.6902,"sentiment":"neutral","sentiment_score":0.0762331634759903},{"text":"Yeah.","start":2529.51,"end":2530.01,"sentiment":"neutral","sentiment_score":0.13510221242904663},{"text":"Okay.","start":2535.11,"end":2535.51,"sentiment":"neutral","sentiment_score":0.29578137397766113},{"text":"Cool.","start":2535.51,"end":2535.99,"sentiment":"positive","sentiment_score":0.5043971538543701},{"text":"Yeah.","start":2535.99,"end":2536.49,"sentiment":"positive","sentiment_score":0.4211212396621704}],"sentiment":"neutral","sentiment_score":0.2865270286798477,"num_words":5,"start":2521.1902,"end":2536.49},{"sentences":[{"text":"Not that I can think of at the moment.","start":2545.2449,"end":2547.265,"sentiment":"neutral","sentiment_score":-0.0954215062989129},{"text":"But, yeah, I'll I'll reach out if I do have any other questions.","start":2548.285,"end":2551.425,"sentiment":"neutral","sentiment_score":0.2563065920884793},{"text":"I can do a Friday next week.","start":2585.95,"end":2588.69,"sentiment":"neutral","sentiment_score":-0.029247376269527843},{"text":"Oh, okay.","start":2591.8699,"end":2592.53,"sentiment":"neutral","sentiment_score":-0.03871985338628292},{"text":"Yeah.","start":2620.0,"end":2620.5,"sentiment":"neutral","sentiment_score":0.03630346804857254}],"sentiment":"neutral","sentiment_score":0.06960388337029144,"num_words":32,"start":2545.2449,"end":2620.5},{"sentences":[{"text":"Maybe.","start":2620.72,"end":2621.22,"sentiment":"neutral","sentiment_score":0.03115629218518734},{"text":"Yeah.","start":2627.4648,"end":2627.865,"sentiment":"neutral","sentiment_score":0.04390111565589905},{"text":"Maybe yeah.","start":2627.865,"end":2628.585,"sentiment":"neutral","sentiment_score":0.07035396993160248},{"text":"It's put in the the twenty second.","start":2628.585,"end":2630.605,"sentiment":"neutral","sentiment_score":0.07280835136771202},{"text":"Okay.","start":2646.8398,"end":2647.3398,"sentiment":"neutral","sentiment_score":0.33012574911117554}],"sentiment":"neutral","sentiment_score":0.08796246303245425,"num_words":12,"start":2620.72,"end":2647.3398},{"sentences":[{"text":"Cool.","start":2647.4,"end":2647.9,"sentiment":"positive","sentiment_score":0.5292003154754639},{"text":"Alright.","start":2673.6199,"end":2673.9,"sentiment":"positive","sentiment_score":0.5262511968612671},{"text":"Thank you very much.","start":2673.9,"end":2675.24,"sentiment":"positive","sentiment_score":0.7625291794538498},{"text":"You have a good day too.","start":2680.42,"end":2681.793,"sentiment":"positive","sentiment_score":0.6415818532307943},{"text":"Alright.","start":2683.233,"end":2683.733,"sentiment":"neutral","sentiment_score":0.3206113576889038}],"sentiment":"positive","sentiment_score":0.6365900544019846,"num_words":13,"start":2647.4,"end":2683.733},{"sentences":[{"text":"Bye for now.","start":2683.793,"end":2684.613,"sentiment":"neutral","sentiment_score":0.15817627807458243},{"text":"Bye.","start":2685.313,"end":2685.813,"sentiment":"neutral","sentiment_score":-0.11183743178844452}],"sentiment":"neutral","sentiment_score":0.09067285060882568,"num_words":4,"start":2683.793,"end":2685.813}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. This is Veronica from Financial. How are you? I'm good. Thank you.\n\nI had you booked in this morning to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Really. Twenty six again eighty four, and the address\n\nChannel 0: Yep.\n\nChannel 1: is 32 Arlington Parkway, New Collin.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your morning been so far? Been busy?\n\nChannel 1: Yeah. That's in\n\nChannel 0: Yeah.\n\nChannel 1: in the\n\nChannel 0: Yeah. Well, I will try not to keep you for\n\nChannel 1: year.\n\nChannel 0: too long. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at?\n\nChannel 1: Not really. I just need to check. Like, I mean, for some reason, my I've noticed that my super hasn't really moved in the last since, like, mid year last year. Like, it's like, it got stuck around the 80 mark, and then now it may just move up to 90. So I don't know if there's any reason specific reasons for that, but I just need to understand if that's if there's any, yeah, if there's any really reason behind it.\n\nChannel 0: Yeah. And that is a very good question. Now do you have access to your emails at the moment? Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months. So while I go through it, do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now did you receive my email okay?\n\nChannel 1: Hold on.\n\nChannel 0: Sure. And we have recently changed our software as well, so it could end up in the spam folder as well.\n\nChannel 1: Hang on just one sec.\n\nChannel 0: Yeah. Sure. Is that working okay for you?\n\nChannel 1: When did you send it?\n\nChannel 0: Just as I just as you answered the phone for about four minutes ago.\n\nChannel 1: Oh, I'm looking at the wrong email.\n\nChannel 0: No. That's okay.\n\nChannel 1: Not yet.\n\nChannel 0: Yeah. Perfect. So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first. So if you're having to scroll back and forth.\n\nChannel 1: Okay. So I've got the summary of superannuation of the June 9.\n\nChannel 0: Yes. Perfect. So that one here gives you a breakdown of your current situation. So you can see here that you have your superannuation with hub twenty four, and you can see that as of yesterday when we prepared these documents, your super balance was up at $98,562.\n\nChannel 1: Okay.\n\nChannel 0: Now underneath that, you can see your ClearView insurances. So you have life and total permanent disability insurance of $689,474. Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them?\n\nChannel 1: No. I'm happy with\n\nChannel 0: Nope.\n\nChannel 1: that.\n\nChannel 0: Great. Perfect. You also have an income protection policy as well, and that will pay you a monthly amount of $5,362 per month. You have a sixty day waiting period and a five year benefit period. All those three are paid from within hub 24, so you don't pay for them out of pocket.\n\nYou do get a 15% tax rebate. So after that, it is $1,419. You happy with your income protection as well?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. And I can see here that you don't have trauma insurance. You're still happy to not have trauma insurance?\n\nChannel 1: I don't have what insurance?\n\nChannel 0: Trauma insurance?\n\nChannel 1: Gosh. I'm happy to leave\n\nChannel 0: Yes. Yeah. Okay. Perfect. It is something I do just need to triple check,\n\nChannel 1: it.\n\nChannel 0: so that is good. We will leave trauma insurance\n\nChannel 1: Yeah.\n\nChannel 0: out for you. Now the next document, what is that one you can see?\n\nChannel 1: Performance with IRM.\n\nChannel 0: Yes. Perfect. So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment. So the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US.\n\nSo, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market. And, obviously, more recently with everything going on with the war as well, we have seen quite a bit of movement as a result of all of that as well. Now that is quite natural with what is going on in the market. And over time, you will have period, especially because you are in a high growth portfolio at the moment, that there will be time when the market fluctuates a little bit. You will see a bit of fluctuations in your superannuation.\n\nBut long term, the goal is to try to grow that as much as possible. Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance. So can you see where I'm at at the moment?\n\nChannel 1: Let's go. The second page? Yeah. Yeah.\n\nChannel 0: Correct.\n\nChannel 1: That's\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. Now if you look on the second column to the right, it should say internal rate of return. Can you see that okay?\n\nChannel 1: To to the right of the\n\nChannel 0: Yes.\n\nChannel 1: same page.\n\nChannel 0: Correct. So on page two, where it says you will have one line where it says total portfolio, and then you'll have a a bunch of different columns And the second column through, like, the right, almost at the end, it should say total internal rate of return.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now that shows us how your investments alone have performed over the last twelve months. So when we are looking at a twelve month period, and then this is all after fees. So after all fees have come out of your account, your portfolio has still grown despite the fluctuations in the market by 8.55% in the last twelve months, which we're quite happy with given the market condition.\n\nSo that is actually a a pretty good outcome for the last twelve months. So I know you said, obviously, there will be period of time during the twelve months depending on when you look that things will obviously go up and down, and that's why we like to do a twelve month performance to show you what's happened at the end of the twelve month period. Because on\n\nChannel 1: Yes.\n\nChannel 0: a daily, everything will fluctuate. Now if you scroll up to the first page, that one here breaks down all your individual investments. So it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed. So second column again to the right, you can see the performance on each and every single one of these investments individually. So you can see here that has been a bit of a mixed market.\n\nYou can see that the one that has the bracket next to it, they are down. The others are doing really well. Are you following where I'm at at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased. So that one has seen a a bit of a crazy jump. So that one is up by a 111%.\n\nYou can also see that the Asia 50 is up by about 67%, which is pretty crazy. You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top. Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments. We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market. So with your Benelung investment, that one here recently has underperformed a little bit.\n\nSo before, it was one of the, best performing fund managers. They were doing really well. But more recently, they've been a little bit slower in making their investment decision. And the investment committee, we do a lot of research all the time. And if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you.\n\nDoes that all make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes. Even though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now. So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think.\n\nWould you be happy with that?\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now do you have any questions so far?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything. So what I will do is quickly run through just a bit of a risk profile questionnaire. It is just multiple choice to make it nice and easy for you, and there is no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. And think of this as well as, obviously, your your suit for investment. Okay? Yep. Now have you ever bought direct shares yourself on the stock market?\n\nChannel 1: No.\n\nChannel 0: No. And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation?\n\nChannel 1: I wish I could.\n\nChannel 0: Tomorrow if you win the lottery. So with the current legislation, is that the earliest you can access to if you stop working is 60. Now I have here that last time we spoke to you, you said 67. So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire? Yeah.\n\nBeautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I think most people are like that. Like, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement. And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient. Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more?\n\nChannel 1: I think we'll keep it the same.\n\nChannel 0: Keep it the same? Yep. Perfect. And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage. So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that.\n\nBut most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income. Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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: I see small.\n\nChannel 0: Small? Okay. And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens? Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset?\n\nChannel 1: I think I'm a bit neutral about it.\n\nChannel 0: Neutral? Yep.\n\nChannel 1: Just hold for a bit and see\n\nChannel 0: Yep.\n\nChannel 1: what happens. Yeah.\n\nChannel 0: Yep. Perfect. And when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious?\n\nChannel 1: Cautious.\n\nChannel 0: Cautious. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Not really.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Potentially. Yeah.\n\nChannel 0: Potentially. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in. Now do you know the difference between a high growth and a growth investor at all?\n\nChannel 1: No.\n\nChannel 0: No. So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that. Now the difference is when it comes to time frame and asset allocation. So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere?\n\nChannel 1: Yeah. This is the\n\nChannel 0: Yep.\n\nChannel 1: fifth patient.\n\nChannel 0: Oh, beautiful. Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great. So it's a bit of an updated version. But that one here gives us a good visual representation of what we are talking about when we are talking about the market. And this gives us a bit more of a long term view.\n\nSo you can see here that it goes from 1995 through to 2025. And you can see that when we are looking long term, a market always goes up. The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations. Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets. Now these are your top four.\n\nSo that is your US shares. So you can see that kind of light green line. The Australian shares, which is, like, your dark green line. You have international shares, which is your yellow. And then you have your property, which is your kind of maroon color.\n\nSo these are your growth investments. So you can see here that they grow the most over the long term, but they also fluctuate the most as well. The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference. So we see 80% invested in those top four, and then we have 20 in the bottom three there. So you will have, you know, cash, fixed interest, and then goals can come into it as well.\n\nAnd you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable. Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate. In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement. In a growth portfolio, we wanna allow at least six years. It's not always just time, though, that comes into play.\n\nIt's also what you are comfortable with. Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio. But how do you feel? Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio?\n\nChannel 1: I'll maintain the high risk.\n\nChannel 0: Maintain the high risk? Okay. Perfect. Now I'll still go and review your investments, like I said, just to see if we wanna make any changes. You do have, like I said, the time frame behind you.\n\nIt will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation. But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term. The short term, a little bit more fluctuations. And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it. And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure.\n\nDoes that all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what is the next investment sorry. The next document that you have there?\n\nChannel 1: Certificate of currency.\n\nChannel 0: Yep. Perfect. Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially.\n\nChannel 1: Okay.\n\nChannel 0: And what's what's your next one?\n\nChannel 1: Financial service guide. Services\n\nChannel 0: Yep. Yep. Perfect. So you have kind of threw straight after each other. One is the financial services guide here, which is just kind of a smaller version of three pages.\n\nAnd then the next\n\nChannel 1: guide.\n\nChannel 0: one is the OQ services guide version one, which is your little bigger document. Can you see that that bigger one as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now, again, you would have seen this one before. It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an update through marketing.\n\nSo you may see a bit of an updated photos. And we've also had a bit of an extension to the team, which is nice. Now if you do scroll through this document, and I'll let you have a read over that in your own time. But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now the next document you should see, is that an ongoing service agreement? Does it say fee consent form hub 24 at the top?\n\nChannel 1: Continue ongoing fee arrangement.\n\nChannel 0: Yes. Perfect. Sorry. This is the one, if you are happy to do so, that it will ask for your signature. And that is just to say that you are happy to stay on as a client.\n\nNow there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime.\n\nTime. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And there should be potentially one more after this one. Is that a tax file number opt in form? Option to provide tax file number?\n\nChannel 1: It's forcing me to sign first before I can do the next document.\n\nChannel 0: Okay. Are you happy to do that? Yep. Like I said, there's no lock in contract or anything like that and no changes to the fee structure. All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time.\n\nOr if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for you.\n\nChannel 1: Option to provide a phone number.\n\nChannel 0: Yep. So that one here, it is just another compliance form that I will ask you to add a signature for. And, basically, it just says that we are keeping your tax phone number secure and safe on file for you.\n\nChannel 1: Okay.\n\nChannel 0: And once you've added those two signature, it should say validate, I believe.\n\nChannel 1: Yeah. There's\n\nChannel 0: Yep. And then it should have probably a little, like, cogwheel to load, and then\n\nChannel 1: something\n\nChannel 0: that\n\nChannel 1: right\n\nChannel 0: will\n\nChannel 1: now.\n\nChannel 0: send it through to myself, and I can get that all loaded on your account. K. Perfect. While I wait for that one to come through, what I will do is just go to go through just a little bit of an updated fact find with you there as well just to see if there is anything else that has changed in in your life, if we need to make any other changes to your advice at all. So kind of bear with me as I go through this information.\n\nNow when it comes to your personal information, I have you down here as married. That's still the case?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And do you have any financial dependents at home?\n\nChannel 1: No.\n\nChannel 0: No. And I don't have a next stop keen on file for you. So that it can be anybody, and that is just someone that in the event that we, for some reason, cannot get in touch with you, someone that we can contact. Who would you like that person to be?\n\nChannel 1: Probably my husband.\n\nChannel 0: Yep. Perfect. And what's his name, please?\n\nChannel 1: Oh, CN.\n\nChannel 0: Yep. Perfect. It's the same last name as you?\n\nChannel 1: No. That's I need to I need to update my last name.\n\nChannel 0: Okay. Perfect. Do you have, like, a change of name form and updated ID or\n\nChannel 1: I've\n\nChannel 0: not yet?\n\nChannel 1: got my yeah. I've got my Australian passport changed.\n\nChannel 0: Mhmm.\n\nChannel 1: New surname.\n\nChannel 0: Yep.\n\nChannel 1: So how do I get that to you?\n\nChannel 0: Yep. So what I will do after the call is that I will get my colleague, Whitlam, who does all the administration for me, to send you an email because what we can do is we can then get your name changed with Hub twenty four and Clearview to make sure we have all of that updated. Now just for our records, I can still change your last name that we have on file, though, for you. So\n\nChannel 1: Mhmm.\n\nChannel 0: what's your new last name?\n\nChannel 1: Nexa, n for Nelly, e for echo, x for X-ray, h for hotel, a for alpha.\n\nChannel 0: Perfect. And is that the same last name as your husband?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Now I'll update our records, but like I said, I will get my colleague, Whitlam, to send you the forms of what is required for changing it with HUB twenty four and your ClearView insurances. Now what is his best contact name, please?\n\nA contact number. Sorry.\n\nChannel 1: Number 0410\n\nChannel 0: One zero. Yep.\n\nChannel 1: 936\n\nChannel 0: Nine three six. Yep.\n\nChannel 1: 252.\n\nChannel 0: 252. Beautiful. Thank you so much. Now employment wise, has any of that changed in the last twelve months? Are you still a operations manager?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Still working full time as well? Yep. Perfect.\n\nAnd I have income at about 80,000. Has that changed at all?\n\nChannel 1: Yeah. I think I think it's the same.\n\nChannel 0: It's about the same? Okay.\n\nChannel 1: Yep.\n\nChannel 0: And I have here as well that your employer pays the standard 12% contribution into superannuation. Like, there's no special enterprise bargaining agreement or anything like that. Is that correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And I have here as well that you guys save about $50 per week. Is that still the case as well, or has that changed with living expenses and everything going up?\n\nChannel 1: We're trying to\n\nChannel 0: Yeah.\n\nChannel 1: it was\n\nChannel 0: Yeah.\n\nChannel 1: a bit longer. Oh my gosh. The fluctuation\n\nChannel 0: Yeah.\n\nChannel 1: in mortgage interest keeps going up. So I it's just impossible, but\n\nChannel 0: Yeah. And even, like, just grocery shopping,\n\nChannel 1: what's\n\nChannel 0: getting takeaway coffee, anything like that, well, it's just going up. So, yeah, a lot of people are very much in the same boat.\n\nChannel 1: Yeah.\n\nChannel 0: Now asset wise, I have here that your property was last died at about 1,000,000. Is that still the case, or do you know if that went up a little bit?\n\nChannel 1: I haven't really done it, but I think it's $8.40.\n\nChannel 0: About $8.40?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And I have mortgage at around 500.\n\nChannel 1: Yeah. Let's put\n\nChannel 0: Yep.\n\nChannel 1: Owen.\n\nChannel 0: Yes. What's\n\nChannel 1: Yeah.\n\nChannel 0: owing? About 500?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Do you have a motor vehicle or a boat or bike or anything like that?\n\nChannel 1: No.\n\nChannel 0: Nope. And I have here liabilities, a personal loan of about 30,000. Is that still the case as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Any other new assets or liabilities we haven't gone through in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No. Great. And health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And have you had any significant health issues or injuries at all in the last twelve months?\n\nChannel 1: None.\n\nChannel 0: No? Okay. Do you take any medications or anything?\n\nChannel 1: None.\n\nChannel 0: No. Perfect. And do you have private health insurance?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now estate planning wise, do you have a will or power of attorney in place or anyone who makes any financial decisions on your behalf?\n\nChannel 1: Not gonna no.\n\nChannel 0: No. Perfect. And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file. 50% going through your husband and then 50% through another person, and it says they're interdependent relationship. Do you know who that person is?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And what are their relationship to yourself?\n\nChannel 1: She's my mom.\n\nChannel 0: Your mom. And with your mom, because there are quite tight restrict restrictions on who you can actually nominate directly through superannuation as a valid nomination. So with your mom, does she live with you guys?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. And does she kind of rely on you guys a little bit financially for suit support or domestic support or anything like that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. That that is good because that means that she is having that interdependency relationship that you note noted on the form is correct. So so that is good.\n\nI do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria. And I wanna\n\nChannel 1: Yes.\n\nChannel 0: make sure that we have the right nomination. So you have done everything perfectly, which is great. Now for your insurances, though, we don't have a nomination on file. So we have it for your super, but not for your Clearview insurances. So would you like it to be the same split, or do you want it anything differently?\n\nChannel 1: I'll just put down my husband's for now.\n\nChannel 0: Yep. Now because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed. So do you have access to a printer, or do you prefer that to be posted out to you?\n\nChannel 1: I can get it printed. Yeah.\n\nChannel 0: Print it? Okay. So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter. And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish. Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal?\n\nHow am I going with that? Is still still the case, or has anything changed? So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track. Is that still kind of the plan for you guys?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all?\n\nChannel 1: Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband.\n\nChannel 0: Yep.\n\nChannel 1: But that's working in progress at the moment. And then once it's my name is from is released from this mortgage, and we're looking at getting our own place. But then, yeah, maybe two years\n\nChannel 0: Yep.\n\nChannel 1: from then, get an investment property, I guess. But, yeah, that's basically what I'm working towards at the moment.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: And\n\nChannel 0: That\n\nChannel 1: also\n\nChannel 0: sounds good. Mhmm.\n\nChannel 1: with considering going through IVF, I don't know if\n\nChannel 0: Yeah.\n\nChannel 1: that's that can be considered, I guess, as part of\n\nChannel 0: Yes.\n\nChannel 1: the okay. Is that something that we could do potentially use our Super on?\n\nChannel 0: There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment. So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement. Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super. One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses. The other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means.\n\nNow\n\nChannel 1: Okay.\n\nChannel 0: the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and\n\nChannel 1: Yep.\n\nChannel 0: can't meet the expenses. Is that something you guys are looking at quite soon, or do you know time frame lives at all?\n\nChannel 1: Yeah. Soon. Like, very soon.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And do you think you would like to start that process? Like, have you guys had an an appointment? Do you know anything about, you know, the fees or anything like that as of yet?\n\nChannel 1: Yeah. We did get some documentations from them around the fees involved,\n\nChannel 0: Yep.\n\nChannel 1: and it's it's a pretty it's pretty intense.\n\nChannel 0: Yeah. Yeah. I have a lot of friends who's who's going through it as well.\n\nChannel 1: Yeah. But it's it's quite intense looking\n\nChannel 0: Yep.\n\nChannel 1: at the the structure and and the cost involved to get it all done and stuff like that. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it's it's just that it's just in case we're not able to\n\nChannel 0: Okay.\n\nChannel 1: fund, but I think, yeah, it's good to know if there's, like, another another option other than\n\nChannel 0: Yes.\n\nChannel 1: just, you know, out of pocket to\n\nChannel 0: Yeah.\n\nChannel 1: to cover the fees and stuff like that. Yeah.\n\nChannel 0: Yes. Yes. So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know. Just send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses. So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yep. Perfect. So, yeah, just just let me know how it all goes. But, yeah, that is I'm glad you asked because often people don't think you can access\n\nChannel 1: Yeah.\n\nChannel 0: super for that.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm I'm very glad you did ask. At least like you said, you'd know that there is a potential other option if\n\nChannel 1: Yeah.\n\nChannel 0: it needs needs be.\n\nChannel 1: Yeah.\n\nChannel 0: So so that is good. I'll make a little note here as well just that we are aware that that might be a a situation for you.\n\nChannel 1: Okay.\n\nChannel 0: But is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty? I don't know.\n\nChannel 0: Yeah. You definitely can. But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change.\n\nChannel 1: Okay.\n\nChannel 0: But what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you. That\n\nChannel 1: Yeah.\n\nChannel 0: way you have the forms if you would like to change it, and you can change the percentage to whatever you want.\n\nChannel 1: Okay. Cool. Yeah.\n\nChannel 0: Yep. Perfect. Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day?\n\nChannel 1: Not that I can think of at the moment.\n\nChannel 0: Yes.\n\nChannel 1: But, yeah, I'll I'll reach out if I do have any other questions.\n\nChannel 0: Please do. And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you? Now it will take me about a week to put it all together. So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you?\n\nChannel 1: I can do a Friday next week.\n\nChannel 0: But I don't work on Fridays, unfortunately.\n\nChannel 1: Oh, okay.\n\nChannel 0: I do late days on Thursdays if during the day is tricky for you. Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work.\n\nChannel 1: Yeah. Maybe.\n\nChannel 0: Do you want me to tentatively book that in? Or I'll book\n\nChannel 1: Yeah. Maybe\n\nChannel 0: Yep.\n\nChannel 1: yeah. It's\n\nChannel 0: Okay.\n\nChannel 1: put in the the twenty second.\n\nChannel 0: I'll book it in on Monday, June 22 at 04:30. But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Okay. Beautiful. Well, thank you so much for your time today. It was lovely speaking with you. Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research.\n\nAnd like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you.\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: Yep. No problem at all. You enjoy the rest of your day, and I look forward to speaking with you on the twenty second.\n\nChannel 1: You have a good\n\nChannel 0: Mhmm.\n\nChannel 1: day too.\n\nChannel 0: Thank you.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye for now.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.042140647768974304}],"sentiment":"neutral","sentiment_score":0.042140647768974304,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good morning.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.32459133863449097},{"text":"This is Veronica from Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.27879119515419004},{"text":"How are you?","start":5.52,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2254971464474996},{"text":"I'm good.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.5865336656570435},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.7165788412094116}],"sentiment":"positive","sentiment_score":0.3804182218653815,"channel":0,"num_words":14,"start":2.8,"end":10.5},{"sentences":[{"text":"I had you booked in this morning to go over your annual review.","start":11.04,"end":14.16,"sentiment":"positive","sentiment_score":0.4297927778500777},{"text":"Is now still a good time for you?","start":14.16,"end":15.825,"sentiment":"positive","sentiment_score":0.35527125000953674}],"sentiment":"positive","sentiment_score":0.4014036243870145,"channel":0,"num_words":21,"start":11.04,"end":15.825},{"sentences":[{"text":"Yep.","start":16.485,"end":16.985,"sentiment":"neutral","sentiment_score":0.0997001975774765}],"sentiment":"neutral","sentiment_score":0.0997001975774765,"channel":1,"num_words":1,"start":16.485,"end":16.985},{"sentences":[{"text":"Yep.","start":17.744999,"end":18.244999,"sentiment":"neutral","sentiment_score":0.13346609473228457},{"text":"Perfect.","start":18.305,"end":18.805,"sentiment":"positive","sentiment_score":0.3704743683338166},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.185,"end":27.125,"sentiment":"neutral","sentiment_score":0.05358368627213199}],"sentiment":"neutral","sentiment_score":0.06638281822444932,"channel":0,"num_words":31,"start":17.744999,"end":27.125},{"sentences":[{"text":"Yeah.","start":29.32,"end":29.640001,"sentiment":"neutral","sentiment_score":0.11736932396888732},{"text":"That's fine.","start":29.640001,"end":30.460001,"sentiment":"neutral","sentiment_score":0.1690620332956314}],"sentiment":"neutral","sentiment_score":0.1518311301867167,"channel":1,"num_words":3,"start":29.32,"end":30.460001},{"sentences":[{"text":"Yep.","start":30.24,"end":30.74,"sentiment":"neutral","sentiment_score":0.15880514681339264},{"text":"Perfect.","start":31.04,"end":31.54,"sentiment":"neutral","sentiment_score":0.26360058784484863},{"text":"And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please?","start":32.08,"end":41.745,"sentiment":"neutral","sentiment_score":0.08661187308676102}],"sentiment":"neutral","sentiment_score":0.09353359498911434,"channel":0,"num_words":36,"start":30.24,"end":41.745},{"sentences":[{"text":"Yeah.","start":44.445004,"end":44.765003,"sentiment":"neutral","sentiment_score":0.030688468366861343},{"text":"Really.","start":44.765003,"end":45.265003,"sentiment":"neutral","sentiment_score":0.032365407794713974},{"text":"Twenty six again eighty four, and the address","start":47.085003,"end":49.405003,"sentiment":"neutral","sentiment_score":0.02744488907046616}],"sentiment":"neutral","sentiment_score":0.028261298872530462,"channel":1,"num_words":10,"start":44.445004,"end":49.405003},{"sentences":[{"text":"Yep.","start":49.344997,"end":49.844997,"sentiment":"neutral","sentiment_score":0.03409774228930473}],"sentiment":"neutral","sentiment_score":0.03409774228930473,"channel":0,"num_words":1,"start":49.344997,"end":49.844997},{"sentences":[{"text":"is 32 Arlington Parkway, New Collin.","start":49.405003,"end":51.745003,"sentiment":"neutral","sentiment_score":0.036110074569781624}],"sentiment":"neutral","sentiment_score":0.036110074569781624,"channel":1,"num_words":6,"start":49.405003,"end":51.745003},{"sentences":[{"text":"Yep.","start":52.385,"end":52.885,"sentiment":"neutral","sentiment_score":0.11775848269462584},{"text":"Perfect.","start":52.945,"end":53.425,"sentiment":"positive","sentiment_score":0.4329029321670532},{"text":"That's exactly what I have here.","start":53.425,"end":55.684998,"sentiment":"positive","sentiment_score":0.4664272467295329},{"text":"How's your morning been so far?","start":56.230003,"end":57.75,"sentiment":"neutral","sentiment_score":0.12434417257706325},{"text":"Been busy?","start":57.75,"end":58.49,"sentiment":"neutral","sentiment_score":0.02651095110923052}],"sentiment":"neutral","sentiment_score":0.2592694895574823,"channel":0,"num_words":16,"start":52.385,"end":58.49},{"sentences":[{"text":"Yeah.","start":59.645,"end":60.145,"sentiment":"neutral","sentiment_score":0.04087469354271889},{"text":"That's in","start":60.420002,"end":60.97,"sentiment":"neutral","sentiment_score":0.028382176533341408}],"sentiment":"neutral","sentiment_score":0.03254634886980057,"channel":1,"num_words":3,"start":59.645,"end":60.97},{"sentences":[{"text":"Yeah.","start":60.870003,"end":61.370003,"sentiment":"neutral","sentiment_score":0.037258803844451904}],"sentiment":"neutral","sentiment_score":0.037258803844451904,"channel":0,"num_words":1,"start":60.870003,"end":61.370003},{"sentences":[{"text":"in the","start":60.97,"end":61.72,"sentiment":"neutral","sentiment_score":0.022966809570789337}],"sentiment":"neutral","sentiment_score":0.022966809570789337,"channel":1,"num_words":2,"start":60.97,"end":61.72},{"sentences":[{"text":"Yeah.","start":62.390003,"end":62.79,"sentiment":"neutral","sentiment_score":0.04650624096393585},{"text":"Well, I will try not to keep you for","start":62.79,"end":64.55,"sentiment":"neutral","sentiment_score":-0.001960449334647921}],"sentiment":"neutral","sentiment_score":0.0028862196952104567,"channel":0,"num_words":10,"start":62.390003,"end":64.55},{"sentences":[{"text":"year.","start":64.42,"end":64.92,"sentiment":"neutral","sentiment_score":-0.004773247987031937}],"sentiment":"neutral","sentiment_score":-0.004773247987031937,"channel":1,"num_words":1,"start":64.42,"end":64.92},{"sentences":[{"text":"too long.","start":64.55,"end":65.21,"sentiment":"neutral","sentiment_score":-0.023346221074461937},{"text":"But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at?","start":65.83,"end":79.905,"sentiment":"neutral","sentiment_score":0.021940422363024063}],"sentiment":"neutral","sentiment_score":0.020263139272746804,"channel":0,"num_words":54,"start":64.55,"end":79.905},{"sentences":[{"text":"Not really.","start":84.305,"end":84.865,"sentiment":"neutral","sentiment_score":-0.10948818549513817},{"text":"I just need to check.","start":84.865,"end":85.665,"sentiment":"neutral","sentiment_score":-0.14135658740997314},{"text":"Like, I mean, for some reason, my I've noticed that my super hasn't really moved in the last since, like, mid year last year.","start":85.665,"end":97.23,"sentiment":"neutral","sentiment_score":-0.18642029662926993},{"text":"Like, it's like, it got stuck around the 80 mark, and then now it may just move up to 90.","start":97.23,"end":101.55,"sentiment":"neutral","sentiment_score":-0.1548748392611742},{"text":"So I don't know if there's any reason specific reasons for that, but I just need to understand if that's if there's any, yeah, if there's any really reason behind it.","start":101.55,"end":110.435,"sentiment":"neutral","sentiment_score":-0.14977845862027137}],"sentiment":"neutral","sentiment_score":-0.16024970036090874,"channel":1,"num_words":82,"start":84.305,"end":110.435},{"sentences":[{"text":"Yeah.","start":111.05,"end":111.450005,"sentiment":"neutral","sentiment_score":0.01319405809044838},{"text":"And that is a very good question.","start":111.450005,"end":113.07,"sentiment":"neutral","sentiment_score":0.1348302657050746},{"text":"Now do you have access to your emails at the moment?","start":113.770004,"end":116.01,"sentiment":"neutral","sentiment_score":0.03947636434300379},{"text":"Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months.","start":116.01,"end":123.845,"sentiment":"neutral","sentiment_score":0.05147638188844377},{"text":"So while I go through it, do you have access to your emails at the moment?","start":124.385,"end":127.925,"sentiment":"neutral","sentiment_score":0.01294475921895355}],"sentiment":"neutral","sentiment_score":0.047909517102597055,"channel":0,"num_words":57,"start":111.05,"end":127.925},{"sentences":[{"text":"Yeah.","start":128.43,"end":128.93,"sentiment":"neutral","sentiment_score":0.04899780824780464}],"sentiment":"neutral","sentiment_score":0.04899780824780464,"channel":1,"num_words":1,"start":128.43,"end":128.93},{"sentences":[{"text":"Yep.","start":129.345,"end":129.745,"sentiment":"neutral","sentiment_score":0.06662885844707489},{"text":"Perfect.","start":129.745,"end":130.245,"sentiment":"neutral","sentiment_score":0.14521680772304535},{"text":"Now did you receive my email okay?","start":131.265,"end":133.845,"sentiment":"neutral","sentiment_score":0.06507186804498945}],"sentiment":"neutral","sentiment_score":0.07414986027611627,"channel":0,"num_words":9,"start":129.345,"end":133.845},{"sentences":[{"text":"Hold on.","start":137.045,"end":137.78499,"sentiment":"neutral","sentiment_score":-0.05116616562008858}],"sentiment":"neutral","sentiment_score":-0.05116616562008858,"channel":1,"num_words":2,"start":137.045,"end":137.78499},{"sentences":[{"text":"Sure.","start":137.36,"end":137.86,"sentiment":"neutral","sentiment_score":0.021686049178242683},{"text":"And we have recently changed our software as well, so it could end up in the spam folder as well.","start":139.52,"end":147.7,"sentiment":"neutral","sentiment_score":-0.13426107987761499}],"sentiment":"neutral","sentiment_score":-0.12683502611305034,"channel":0,"num_words":21,"start":137.36,"end":147.7},{"sentences":[{"text":"Hang on just one sec.","start":156.75,"end":158.29001,"sentiment":"neutral","sentiment_score":-0.017344650253653525}],"sentiment":"neutral","sentiment_score":-0.017344650253653525,"channel":1,"num_words":5,"start":156.75,"end":158.29001},{"sentences":[{"text":"Yeah.","start":159.095,"end":159.41501,"sentiment":"neutral","sentiment_score":0.053193554282188416},{"text":"Sure.","start":159.41501,"end":159.91501,"sentiment":"neutral","sentiment_score":0.11058823764324188},{"text":"Is that working okay for you?","start":258.11,"end":259.88998,"sentiment":"neutral","sentiment_score":0.1667435715595881}],"sentiment":"neutral","sentiment_score":0.14553040266036987,"channel":0,"num_words":8,"start":159.095,"end":259.88998},{"sentences":[{"text":"When did you send it?","start":264.16,"end":265.54,"sentiment":"neutral","sentiment_score":-0.0017803413793444633}],"sentiment":"neutral","sentiment_score":-0.0017803413793444633,"channel":1,"num_words":5,"start":264.16,"end":265.54},{"sentences":[{"text":"Just as I just as you answered the phone for about four minutes ago.","start":266.99,"end":271.49,"sentiment":"neutral","sentiment_score":-0.034709514384823184}],"sentiment":"neutral","sentiment_score":-0.034709514384823184,"channel":0,"num_words":14,"start":266.99,"end":271.49},{"sentences":[{"text":"Oh, I'm looking at the wrong email.","start":275.775,"end":277.475,"sentiment":"neutral","sentiment_score":-0.21840719878673553}],"sentiment":"neutral","sentiment_score":-0.21840719878673553,"channel":1,"num_words":7,"start":275.775,"end":277.475},{"sentences":[{"text":"No.","start":278.495,"end":278.73502,"sentiment":"neutral","sentiment_score":-0.31060123443603516},{"text":"That's okay.","start":278.73502,"end":279.635,"sentiment":"neutral","sentiment_score":-0.2204544022679329}],"sentiment":"neutral","sentiment_score":-0.250503346323967,"channel":0,"num_words":3,"start":278.495,"end":279.635},{"sentences":[{"text":"Not yet.","start":291.01,"end":291.75,"sentiment":"neutral","sentiment_score":-0.17190805077552795}],"sentiment":"neutral","sentiment_score":-0.17190805077552795,"channel":1,"num_words":2,"start":291.01,"end":291.75},{"sentences":[{"text":"Yeah.","start":292.34998,"end":292.84998,"sentiment":"neutral","sentiment_score":0.05959363281726837},{"text":"Perfect.","start":292.91,"end":293.41,"sentiment":"positive","sentiment_score":0.34366506338119507},{"text":"So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything.","start":294.50998,"end":306.225,"sentiment":"neutral","sentiment_score":0.19992619639055598}],"sentiment":"neutral","sentiment_score":0.20001583595417047,"channel":0,"num_words":38,"start":292.34998,"end":306.225},{"sentences":[{"text":"Okay.","start":307.10498,"end":307.60498,"sentiment":"neutral","sentiment_score":0.1203562468290329},{"text":"Yep.","start":313.61002,"end":314.11002,"sentiment":"neutral","sentiment_score":0.1132470890879631}],"sentiment":"neutral","sentiment_score":0.116801667958498,"channel":1,"num_words":2,"start":307.10498,"end":314.11002},{"sentences":[{"text":"Yep.","start":315.41998,"end":315.74,"sentiment":"neutral","sentiment_score":0.13362671434879303},{"text":"Okay.","start":315.74,"end":316.06,"sentiment":"neutral","sentiment_score":0.2647940516471863},{"text":"Perfect.","start":316.06,"end":316.53998,"sentiment":"positive","sentiment_score":0.4900829792022705},{"text":"Now to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first.","start":316.53998,"end":325.17502,"sentiment":"positive","sentiment_score":0.3521540731191635},{"text":"So if you're having to scroll back and forth.","start":325.475,"end":327.49503,"sentiment":"neutral","sentiment_score":0.13295110977358288}],"sentiment":"neutral","sentiment_score":0.3011829982556048,"channel":0,"num_words":42,"start":315.41998,"end":327.49503},{"sentences":[{"text":"Okay.","start":328.835,"end":329.335,"sentiment":"neutral","sentiment_score":0.10934431850910188},{"text":"So I've got the summary of superannuation of the June 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insurance?","start":425.59998,"end":427.78,"sentiment":"neutral","sentiment_score":0.06382607249543071}],"sentiment":"neutral","sentiment_score":0.08230368615615935,"channel":0,"num_words":21,"start":421.59998,"end":427.78},{"sentences":[{"text":"I don't have what insurance?","start":429.12,"end":430.74,"sentiment":"neutral","sentiment_score":-0.16716427206993104}],"sentiment":"neutral","sentiment_score":-0.16716427206993104,"channel":1,"num_words":5,"start":429.12,"end":430.74},{"sentences":[{"text":"Trauma insurance?","start":430.96,"end":432.74,"sentiment":"neutral","sentiment_score":-0.07501748949289322}],"sentiment":"neutral","sentiment_score":-0.07501748949289322,"channel":0,"num_words":2,"start":430.96,"end":432.74},{"sentences":[{"text":"Gosh.","start":434.24,"end":434.74,"sentiment":"neutral","sentiment_score":-0.06019119545817375},{"text":"I'm happy to 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IRM.","start":451.24,"end":453.02,"sentiment":"neutral","sentiment_score":0.03480440191924572}],"sentiment":"neutral","sentiment_score":0.03480440191924572,"channel":1,"num_words":3,"start":451.24,"end":453.02},{"sentences":[{"text":"Yes.","start":453.72,"end":454.2,"sentiment":"neutral","sentiment_score":0.1777907907962799},{"text":"Perfect.","start":454.2,"end":454.7,"sentiment":"positive","sentiment_score":0.36136144399642944},{"text":"So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment.","start":454.76,"end":464.525,"sentiment":"neutral","sentiment_score":0.1507647662290505},{"text":"So the last twelve months, we have seen quite a bit of fluctuation in the market.","start":465.225,"end":469.725,"sentiment":"neutral","sentiment_score":-0.00017154752276837826},{"text":"I'm sure you've probably heard on the news and everything, but, obviously, 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will be time when the market fluctuates a little bit.","start":496.69498,"end":506.62003,"sentiment":"neutral","sentiment_score":0.07494552673832063},{"text":"You will see a bit of fluctuations in your superannuation.","start":506.62003,"end":509.2,"sentiment":"neutral","sentiment_score":0.05708955377340317}],"sentiment":"neutral","sentiment_score":0.0432943310405986,"channel":0,"num_words":102,"start":476.39,"end":509.2},{"sentences":[{"text":"But long term, the goal is to try to grow that as much as possible.","start":510.46002,"end":513.84,"sentiment":"neutral","sentiment_score":0.222521044810613},{"text":"Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance.","start":514.45496,"end":531.07,"sentiment":"neutral","sentiment_score":0.10331058644113086},{"text":"So can you see where I'm at at the 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page?","start":539.34503,"end":540.36,"sentiment":"neutral","sentiment_score":0.02438385598361492},{"text":"Yeah.","start":540.6,"end":540.83997,"sentiment":"neutral","sentiment_score":0.04668261110782623},{"text":"Yeah.","start":540.83997,"end":541.0,"sentiment":"neutral","sentiment_score":0.05784258618950844}],"sentiment":"neutral","sentiment_score":0.03231051058641502,"channel":1,"num_words":7,"start":538.385,"end":541.0},{"sentences":[{"text":"Correct.","start":540.905,"end":541.405,"sentiment":"neutral","sentiment_score":0.08762147277593613}],"sentiment":"neutral","sentiment_score":0.08762147277593613,"channel":0,"num_words":1,"start":540.905,"end":541.405},{"sentences":[{"text":"That's","start":541.0,"end":541.39996,"sentiment":"neutral","sentiment_score":0.09221654385328291}],"sentiment":"neutral","sentiment_score":0.09221654385328291,"channel":1,"num_words":1,"start":541.0,"end":541.39996},{"sentences":[{"text":"Yes.","start":541.78503,"end":542.28503,"sentiment":"neutral","sentiment_score":0.1239144802093506}],"sentiment":"neutral","sentiment_score":0.1239144802093506,"channel":0,"num_words":1,"start":541.78503,"end":542.28503},{"sentences":[{"text":"yeah.","start":541.8,"end":542.3,"sentiment":"neutral","sentiment_score":0.14965295791625977}],"sentiment":"neutral","sentiment_score":0.14965295791625977,"channel":1,"num_words":1,"start":541.8,"end":542.3},{"sentences":[{"text":"Perfect.","start":542.505,"end":543.005,"sentiment":"neutral","sentiment_score":0.226448655128479},{"text":"Now 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return.","start":565.975,"end":583.92004,"sentiment":"neutral","sentiment_score":0.04712031789599581}],"sentiment":"neutral","sentiment_score":0.04745553224347532,"channel":0,"num_words":48,"start":565.575,"end":583.92004},{"sentences":[{"text":"Yeah.","start":585.075,"end":585.575,"sentiment":"neutral","sentiment_score":0.03974451869726181}],"sentiment":"neutral","sentiment_score":0.03974451869726181,"channel":1,"num_words":1,"start":585.075,"end":585.575},{"sentences":[{"text":"Yeah.","start":585.98004,"end":586.3,"sentiment":"neutral","sentiment_score":0.023203369230031967},{"text":"Perfect.","start":586.3,"end":586.8,"sentiment":"positive","sentiment_score":0.7393589615821838},{"text":"Now that shows us how your investments alone have performed over the last twelve months.","start":587.10004,"end":595.03503,"sentiment":"positive","sentiment_score":0.41359539826711017},{"text":"So when we are looking at a twelve month period, and then this is all after 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period.","start":621.755,"end":638.78,"sentiment":"neutral","sentiment_score":0.059134413681502615},{"text":"Because on","start":639.24,"end":639.72,"sentiment":"neutral","sentiment_score":0.008103725034743547}],"sentiment":"neutral","sentiment_score":0.20321184651845176,"channel":0,"num_words":69,"start":617.995,"end":639.72},{"sentences":[{"text":"Yes.","start":639.66,"end":640.065,"sentiment":"neutral","sentiment_score":0.018381673842668533}],"sentiment":"neutral","sentiment_score":0.018381673842668533,"channel":1,"num_words":1,"start":639.66,"end":640.065},{"sentences":[{"text":"a daily, everything will fluctuate.","start":639.72,"end":641.42,"sentiment":"neutral","sentiment_score":-0.01031117532402277},{"text":"Now if you scroll up to the first page, that one here breaks down all your individual investments.","start":642.04,"end":648.765,"sentiment":"neutral","sentiment_score":0.03494792048715883},{"text":"So it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed.","start":648.98505,"end":660.74,"sentiment":"neutral","sentiment_score":0.058216855054100354},{"text":"So second column again to the right, you can see the performance on each and every single one of these investments individually.","start":661.6,"end":670.18,"sentiment":"neutral","sentiment_score":0.06343906000256538},{"text":"So you can see here that has been a bit of a mixed market.","start":671.285,"end":674.185,"sentiment":"neutral","sentiment_score":0.009685954877308436}],"sentiment":"neutral","sentiment_score":0.043317696990005754,"channel":0,"num_words":89,"start":639.72,"end":674.185},{"sentences":[{"text":"You can see that the one that has the bracket next to it, they are down.","start":674.32495,"end":680.58496,"sentiment":"neutral","sentiment_score":-0.022771230898797512},{"text":"The others are doing really well.","start":681.045,"end":683.305,"sentiment":"neutral","sentiment_score":0.27763399481773376},{"text":"Are you following where I'm at at the moment?","start":683.4,"end":685.42004,"sentiment":"neutral","sentiment_score":0.03859708002871937}],"sentiment":"neutral","sentiment_score":0.05318832241239086,"channel":0,"num_words":31,"start":674.32495,"end":685.42004},{"sentences":[{"text":"Yep.","start":685.98,"end":686.48,"sentiment":"neutral","sentiment_score":0.07341165095567703}],"sentiment":"neutral","sentiment_score":0.07341165095567703,"channel":1,"num_words":1,"start":685.98,"end":686.48},{"sentences":[{"text":"Yeah.","start":686.92004,"end":687.32,"sentiment":"neutral","sentiment_score":0.177566260099411},{"text":"Perfect.","start":687.32,"end":687.82,"sentiment":"positive","sentiment_score":0.372639000415802},{"text":"So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased.","start":688.2,"end":700.385,"sentiment":"neutral","sentiment_score":0.19575507073633133},{"text":"So that one has seen a a bit of a crazy jump.","start":700.385,"end":703.105,"sentiment":"positive","sentiment_score":0.3571461886167526},{"text":"So that one is up by a 111%.","start":703.105,"end":705.445,"sentiment":"positive","sentiment_score":0.4482884630560875}],"sentiment":"neutral","sentiment_score":0.27340895134323046,"channel":0,"num_words":53,"start":686.92004,"end":705.445},{"sentences":[{"text":"You can also see that the Asia 50 is up by about 67%, which is pretty crazy.","start":706.625,"end":712.725,"sentiment":"neutral","sentiment_score":0.29837315310450163},{"text":"You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top.","start":713.6,"end":723.13995,"sentiment":"neutral","sentiment_score":0.2220973853142031},{"text":"Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments.","start":724.0,"end":733.33496,"sentiment":"neutral","sentiment_score":0.26401142034679653},{"text":"We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market.","start":733.875,"end":748.45,"sentiment":"neutral","sentiment_score":0.21105536326233829},{"text":"So with your Benelung investment, that one here recently has underperformed a little bit.","start":749.07,"end":756.29004,"sentiment":"neutral","sentiment_score":0.1386676819196769}],"sentiment":"neutral","sentiment_score":0.22600067094932277,"channel":0,"num_words":143,"start":706.625,"end":756.29004},{"sentences":[{"text":"So before, it was one of the, best performing fund managers.","start":756.795,"end":760.235,"sentiment":"neutral","sentiment_score":0.1515243256633932},{"text":"They were doing really well.","start":760.235,"end":761.695,"sentiment":"neutral","sentiment_score":0.07514994293451309},{"text":"But more recently, they've been a little bit slower in making their investment decision.","start":762.315,"end":766.815,"sentiment":"negative","sentiment_score":-0.3584488518536091},{"text":"And the investment committee, we do a lot of research all the time.","start":767.835,"end":770.82,"sentiment":"neutral","sentiment_score":-0.2889033086024798},{"text":"And if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you.","start":770.82,"end":782.12,"sentiment":"neutral","sentiment_score":-0.22303665181001028}],"sentiment":"neutral","sentiment_score":-0.1894005766686271,"channel":0,"num_words":85,"start":756.795,"end":782.12},{"sentences":[{"text":"Does that all make sense so far?","start":783.14,"end":784.92004,"sentiment":"neutral","sentiment_score":-0.005325363150664738}],"sentiment":"neutral","sentiment_score":-0.005325363150664738,"channel":0,"num_words":7,"start":783.14,"end":784.92004},{"sentences":[{"text":"Yep.","start":785.535,"end":786.035,"sentiment":"neutral","sentiment_score":0.06238359212875366}],"sentiment":"neutral","sentiment_score":0.06238359212875366,"channel":1,"num_words":1,"start":785.535,"end":786.035},{"sentences":[{"text":"Yes.","start":786.415,"end":786.815,"sentiment":"neutral","sentiment_score":0.18057596683502197},{"text":"Perfect.","start":786.815,"end":787.315,"sentiment":"positive","sentiment_score":0.4442838430404663},{"text":"So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes.","start":787.615,"end":799.5,"sentiment":"neutral","sentiment_score":0.30378669920640117},{"text":"Even though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now.","start":799.96,"end":810.38,"sentiment":"positive","sentiment_score":0.37870977357739494},{"text":"So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think.","start":810.60004,"end":820.295,"sentiment":"neutral","sentiment_score":0.3217682003190643}],"sentiment":"positive","sentiment_score":0.33558300149834847,"channel":0,"num_words":121,"start":786.415,"end":820.295},{"sentences":[{"text":"Would you be happy with that?","start":820.295,"end":821.675,"sentiment":"neutral","sentiment_score":0.24875361720720926}],"sentiment":"neutral","sentiment_score":0.24875361720720926,"channel":0,"num_words":6,"start":820.295,"end":821.675},{"sentences":[{"text":"Sure.","start":822.35504,"end":822.85504,"sentiment":"neutral","sentiment_score":0.17284271121025083}],"sentiment":"neutral","sentiment_score":0.17284271121025083,"channel":1,"num_words":1,"start":822.35504,"end":822.85504},{"sentences":[{"text":"Yep.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":0.1715909242630005},{"text":"Perfect.","start":824.135,"end":824.635,"sentiment":"neutral","sentiment_score":0.2684122920036316},{"text":"Now do you have any questions so far?","start":824.935,"end":827.03503,"sentiment":"neutral","sentiment_score":0.10452927742153406}],"sentiment":"neutral","sentiment_score":0.12762374356389045,"channel":0,"num_words":10,"start":823.575,"end":827.03503},{"sentences":[{"text":"No.","start":828.08997,"end":828.58997,"sentiment":"neutral","sentiment_score":-0.0533696711063385}],"sentiment":"neutral","sentiment_score":-0.0533696711063385,"channel":1,"num_words":1,"start":828.08997,"end":828.58997},{"sentences":[{"text":"No.","start":829.09,"end":829.41,"sentiment":"neutral","sentiment_score":-0.024383217096328735},{"text":"Okay.","start":829.41,"end":829.91,"sentiment":"neutral","sentiment_score":0.036863721907138824},{"text":"Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything.","start":830.29,"end":841.49,"sentiment":"neutral","sentiment_score":0.16624306839319966},{"text":"So what I will do is quickly run through just a bit of a risk profile questionnaire.","start":841.49,"end":846.145,"sentiment":"neutral","sentiment_score":0.2806016048964332},{"text":"It is just multiple choice to make it nice and easy for you, and there is no right or wrong answer.","start":846.205,"end":852.625,"sentiment":"positive","sentiment_score":0.3669086992740631}],"sentiment":"neutral","sentiment_score":0.248469374549221,"channel":0,"num_words":71,"start":829.09,"end":852.625},{"sentences":[{"text":"It's just whatever you feel is the most appropriate for you.","start":852.685,"end":856.065,"sentiment":"positive","sentiment_score":0.3551571613008326},{"text":"And think of this as well as, obviously, your your suit for investment.","start":856.52997,"end":860.23,"sentiment":"neutral","sentiment_score":0.2839084852200288},{"text":"Okay?","start":860.44995,"end":860.94995,"sentiment":"neutral","sentiment_score":0.04787573590874672},{"text":"Yep.","start":862.69,"end":863.19,"sentiment":"neutral","sentiment_score":0.09043876826763152},{"text":"Now have you ever bought direct shares yourself on the stock market?","start":863.97,"end":868.55,"sentiment":"neutral","sentiment_score":0.043816756612310805}],"sentiment":"neutral","sentiment_score":0.21741196488667475,"channel":0,"num_words":38,"start":852.685,"end":868.55},{"sentences":[{"text":"No.","start":870.15497,"end":870.65497,"sentiment":"neutral","sentiment_score":-0.1330808848142624}],"sentiment":"neutral","sentiment_score":-0.1330808848142624,"channel":1,"num_words":1,"start":870.15497,"end":870.65497},{"sentences":[{"text":"No.","start":871.235,"end":871.735,"sentiment":"neutral","sentiment_score":-0.12632837891578674},{"text":"And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation?","start":872.995,"end":884.81,"sentiment":"neutral","sentiment_score":-0.04520649175074967}],"sentiment":"neutral","sentiment_score":-0.04759242960854488,"channel":0,"num_words":34,"start":871.235,"end":884.81},{"sentences":[{"text":"I wish I could.","start":888.23004,"end":889.37,"sentiment":"neutral","sentiment_score":0.04656273312866688}],"sentiment":"neutral","sentiment_score":0.04656273312866688,"channel":1,"num_words":4,"start":888.23004,"end":889.37},{"sentences":[{"text":"Tomorrow if you win the lottery.","start":891.02997,"end":892.49,"sentiment":"neutral","sentiment_score":0.059531922762592636},{"text":"So with the current legislation, is that the earliest you can access to if you stop working is 60.","start":895.26996,"end":902.895,"sentiment":"neutral","sentiment_score":-0.04435246251523495},{"text":"Now I have here that last time we spoke to you, you said 67.","start":903.435,"end":906.47504,"sentiment":"neutral","sentiment_score":-0.01075965166091919},{"text":"So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire?","start":906.47504,"end":912.575,"sentiment":"neutral","sentiment_score":0.0025914271051685014},{"text":"Yeah.","start":914.30005,"end":914.7,"sentiment":"neutral","sentiment_score":0.2359323501586914}],"sentiment":"neutral","sentiment_score":-0.00460664587361472,"channel":0,"num_words":70,"start":891.02997,"end":914.7},{"sentences":[{"text":"Beautiful.","start":914.7,"end":915.2,"sentiment":"positive","sentiment_score":0.620444118976593}],"sentiment":"positive","sentiment_score":0.620444118976593,"channel":0,"num_words":1,"start":914.7,"end":915.2},{"sentences":[{"text":"Yeah.","start":916.45,"end":916.95,"sentiment":"positive","sentiment_score":0.49892133474349976}],"sentiment":"positive","sentiment_score":0.49892133474349976,"channel":1,"num_words":1,"start":916.45,"end":916.95},{"sentences":[{"text":"I think most people are like that.","start":916.62006,"end":918.06006,"sentiment":"positive","sentiment_score":0.5328469404152462},{"text":"Like, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement.","start":918.06006,"end":922.72003,"sentiment":"positive","sentiment_score":0.5738071021106508},{"text":"And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient.","start":924.46,"end":935.315,"sentiment":"neutral","sentiment_score":0.27768408826419283},{"text":"Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more?","start":936.015,"end":943.15497,"sentiment":"neutral","sentiment_score":0.11787299051880837}],"sentiment":"neutral","sentiment_score":0.31440263850724,"channel":0,"num_words":85,"start":916.62006,"end":943.15497},{"sentences":[{"text":"I think we'll keep it the same.","start":946.16,"end":947.94,"sentiment":"neutral","sentiment_score":0.19232320998396193}],"sentiment":"neutral","sentiment_score":0.19232320998396193,"channel":1,"num_words":7,"start":946.16,"end":947.94},{"sentences":[{"text":"Keep it the same?","start":948.25,"end":948.97,"sentiment":"neutral","sentiment_score":0.1573222540318966},{"text":"Yep.","start":948.97,"end":949.44995,"sentiment":"neutral","sentiment_score":0.23138022422790527},{"text":"Perfect.","start":949.44995,"end":949.94995,"sentiment":"positive","sentiment_score":0.5536020398139954},{"text":"And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage.","start":950.73,"end":957.29,"sentiment":"neutral","sentiment_score":0.3092171872655551},{"text":"So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that.","start":957.29,"end":965.98505,"sentiment":"neutral","sentiment_score":0.17137823382328296}],"sentiment":"neutral","sentiment_score":0.23399072127827145,"channel":0,"num_words":59,"start":948.25,"end":965.98505},{"sentences":[{"text":"But most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income.","start":966.04504,"end":973.63,"sentiment":"neutral","sentiment_score":0.2874721539647956},{"text":"Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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":975.61,"end":995.265,"sentiment":"neutral","sentiment_score":0.027068250709109835}],"sentiment":"neutral","sentiment_score":0.09484460909072667,"channel":0,"num_words":73,"start":966.04504,"end":995.265},{"sentences":[{"text":"I see small.","start":999.21,"end":1001.71,"sentiment":"neutral","sentiment_score":-0.07164861137668292}],"sentiment":"neutral","sentiment_score":-0.07164861137668292,"channel":1,"num_words":3,"start":999.21,"end":1001.71},{"sentences":[{"text":"Small?","start":1002.54004,"end":1003.04004,"sentiment":"neutral","sentiment_score":0.00031185150146484375},{"text":"Okay.","start":1003.18,"end":1003.68,"sentiment":"neutral","sentiment_score":-0.04894557595252991},{"text":"And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":1005.5,"end":1027.21,"sentiment":"neutral","sentiment_score":-0.2751397056461767},{"text":"Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens?","start":1028.15,"end":1041.705,"sentiment":"neutral","sentiment_score":-0.17933673201047856},{"text":"Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset?","start":1042.4049,"end":1050.0249,"sentiment":"neutral","sentiment_score":-0.22832918099381708}],"sentiment":"neutral","sentiment_score":-0.22258736921754557,"channel":0,"num_words":113,"start":1002.54004,"end":1050.0249},{"sentences":[{"text":"I think I'm a bit neutral about it.","start":1054.4651,"end":1056.96,"sentiment":"neutral","sentiment_score":0.024318216077517718}],"sentiment":"neutral","sentiment_score":0.024318216077517718,"channel":1,"num_words":8,"start":1054.4651,"end":1056.96},{"sentences":[{"text":"Neutral?","start":1056.79,"end":1057.29,"sentiment":"neutral","sentiment_score":-0.019118163734674457},{"text":"Yep.","start":1057.67,"end":1058.17,"sentiment":"neutral","sentiment_score":0.036296796053647995}],"sentiment":"neutral","sentiment_score":0.008589316159486769,"channel":0,"num_words":2,"start":1056.79,"end":1058.17},{"sentences":[{"text":"Just hold for a bit and see","start":1058.0,"end":1059.84,"sentiment":"neutral","sentiment_score":-0.005281199568084308}],"sentiment":"neutral","sentiment_score":-0.005281199568084308,"channel":1,"num_words":7,"start":1058.0,"end":1059.84},{"sentences":[{"text":"Yep.","start":1059.83,"end":1060.33,"sentiment":"neutral","sentiment_score":0.011072741821408272}],"sentiment":"neutral","sentiment_score":0.011072741821408272,"channel":0,"num_words":1,"start":1059.83,"end":1060.33},{"sentences":[{"text":"what happens.","start":1059.84,"end":1060.58,"sentiment":"neutral","sentiment_score":0.016314886510372162},{"text":"Yeah.","start":1060.7999,"end":1061.2999,"sentiment":"neutral","sentiment_score":0.1447625458240509}],"sentiment":"neutral","sentiment_score":0.059130772948265076,"channel":1,"num_words":3,"start":1059.84,"end":1061.2999},{"sentences":[{"text":"Yep.","start":1061.1901,"end":1061.6901,"sentiment":"neutral","sentiment_score":0.2093397080898285},{"text":"Perfect.","start":1061.75,"end":1062.25,"sentiment":"positive","sentiment_score":0.48680010437965393},{"text":"And when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious?","start":1064.005,"end":1087.68,"sentiment":"neutral","sentiment_score":0.021203324509163696}],"sentiment":"neutral","sentiment_score":0.034277987778186796,"channel":0,"num_words":50,"start":1061.1901,"end":1087.68},{"sentences":[{"text":"Cautious.","start":1089.12,"end":1089.62,"sentiment":"neutral","sentiment_score":-0.1293435096740723}],"sentiment":"neutral","sentiment_score":-0.1293435096740723,"channel":1,"num_words":1,"start":1089.12,"end":1089.62},{"sentences":[{"text":"Cautious.","start":1090.4751,"end":1090.9751,"sentiment":"neutral","sentiment_score":-0.050954125821590424},{"text":"Perfect.","start":1091.355,"end":1091.855,"sentiment":"neutral","sentiment_score":0.25320756435394287},{"text":"And last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":1092.7151,"end":1099.4551,"sentiment":"neutral","sentiment_score":-0.005671273426789986}],"sentiment":"neutral","sentiment_score":0.004499963972540129,"channel":0,"num_words":21,"start":1090.4751,"end":1099.4551},{"sentences":[{"text":"Not really.","start":1102.0801,"end":1102.9,"sentiment":"neutral","sentiment_score":-0.09187708050012589}],"sentiment":"neutral","sentiment_score":-0.09187708050012589,"channel":1,"num_words":2,"start":1102.0801,"end":1102.9},{"sentences":[{"text":"No.","start":1103.29,"end":1103.79,"sentiment":"neutral","sentiment_score":-0.09679380059242249},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":1103.93,"end":1108.1101,"sentiment":"neutral","sentiment_score":-0.05305402754591061}],"sentiment":"neutral","sentiment_score":-0.05617829704923289,"channel":0,"num_words":14,"start":1103.29,"end":1108.1101},{"sentences":[{"text":"Potentially.","start":1109.515,"end":1110.015,"sentiment":"neutral","sentiment_score":0.012543467804789543},{"text":"Yeah.","start":1110.155,"end":1110.655,"sentiment":"neutral","sentiment_score":0.0393671840429306}],"sentiment":"neutral","sentiment_score":0.025955325923860073,"channel":1,"num_words":2,"start":1109.515,"end":1110.655},{"sentences":[{"text":"Potentially.","start":1110.9701,"end":1111.4701,"sentiment":"neutral","sentiment_score":0.05788872390985489},{"text":"Okay.","start":1111.6901,"end":1112.0901,"sentiment":"neutral","sentiment_score":0.1294732391834259},{"text":"Perfect.","start":1112.0901,"end":1112.5901,"sentiment":"neutral","sentiment_score":0.252665251493454},{"text":"Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in.","start":1113.93,"end":1124.155,"sentiment":"neutral","sentiment_score":0.024059799465316313},{"text":"Now do you know the difference between a high growth and a growth investor at all?","start":1124.375,"end":1128.6,"sentiment":"neutral","sentiment_score":-0.01840438146609813}],"sentiment":"neutral","sentiment_score":0.01728634123245011,"channel":0,"num_words":46,"start":1110.9701,"end":1128.6},{"sentences":[{"text":"No.","start":1129.7899,"end":1130.2899,"sentiment":"neutral","sentiment_score":-0.11875461041927338}],"sentiment":"neutral","sentiment_score":-0.11875461041927338,"channel":1,"num_words":1,"start":1129.7899,"end":1130.2899},{"sentences":[{"text":"No.","start":1130.6,"end":1131.1,"sentiment":"neutral","sentiment_score":-0.09863770008087158},{"text":"So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that.","start":1131.24,"end":1147.1749,"sentiment":"neutral","sentiment_score":-0.022976389415562154},{"text":"Now the difference is when it comes to time frame and asset allocation.","start":1147.5549,"end":1152.455,"sentiment":"neutral","sentiment_score":0.020241714727420073},{"text":"So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere?","start":1153.155,"end":1166.54,"sentiment":"neutral","sentiment_score":0.06342593789100646}],"sentiment":"neutral","sentiment_score":0.006756556942389252,"channel":0,"num_words":89,"start":1130.6,"end":1166.54},{"sentences":[{"text":"Yeah.","start":1167.025,"end":1167.525,"sentiment":"neutral","sentiment_score":0.0994233787059784},{"text":"This is the","start":1167.585,"end":1168.3049,"sentiment":"neutral","sentiment_score":0.08907109250624974}],"sentiment":"neutral","sentiment_score":0.09165916405618191,"channel":1,"num_words":4,"start":1167.025,"end":1168.3049},{"sentences":[{"text":"Yep.","start":1168.12,"end":1168.62,"sentiment":"neutral","sentiment_score":0.12096647918224336}],"sentiment":"neutral","sentiment_score":0.12096647918224336,"channel":0,"num_words":1,"start":1168.12,"end":1168.62},{"sentences":[{"text":"fifth patient.","start":1168.3049,"end":1169.365,"sentiment":"neutral","sentiment_score":0.14739257097244263}],"sentiment":"neutral","sentiment_score":0.14739257097244263,"channel":1,"num_words":2,"start":1168.3049,"end":1169.365},{"sentences":[{"text":"Oh, beautiful.","start":1169.8,"end":1170.8251,"sentiment":"neutral","sentiment_score":0.3054975988343358},{"text":"Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great.","start":1171.2051,"end":1178.805,"sentiment":"neutral","sentiment_score":0.2933762058939623},{"text":"So it's a bit of an updated version.","start":1178.805,"end":1180.8251,"sentiment":"neutral","sentiment_score":0.2757683750241995},{"text":"But that one here gives us a good visual representation of what we are talking about when we are talking about the market.","start":1181.285,"end":1188.0599,"sentiment":"positive","sentiment_score":0.3689289391040802},{"text":"And this gives us a bit more of a long term view.","start":1188.44,"end":1190.9199,"sentiment":"neutral","sentiment_score":0.26105784128109616}],"sentiment":"neutral","sentiment_score":0.31151256806162353,"channel":0,"num_words":68,"start":1169.8,"end":1190.9199},{"sentences":[{"text":"So you can see here that it goes from 1995 through to 2025.","start":1190.9199,"end":1196.7799,"sentiment":"neutral","sentiment_score":0.13280988885806158},{"text":"And you can see that when we are looking long term, a market always goes up.","start":1196.9149,"end":1201.335,"sentiment":"neutral","sentiment_score":0.12003465928137302},{"text":"The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations.","start":1201.5549,"end":1207.975,"sentiment":"neutral","sentiment_score":-0.1013532667642548},{"text":"Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets.","start":1209.075,"end":1225.02,"sentiment":"neutral","sentiment_score":0.06706041760924386},{"text":"Now these are your top four.","start":1225.575,"end":1227.595,"sentiment":"neutral","sentiment_score":0.11423596739768982}],"sentiment":"neutral","sentiment_score":0.05106760235023253,"channel":0,"num_words":97,"start":1190.9199,"end":1227.595},{"sentences":[{"text":"So that is your US shares.","start":1227.655,"end":1229.1749,"sentiment":"neutral","sentiment_score":0.1059533233443896},{"text":"So you can see that kind of light green line.","start":1229.1749,"end":1231.755,"sentiment":"neutral","sentiment_score":0.11844085603952408},{"text":"The Australian shares, which is, like, your dark green line.","start":1232.455,"end":1236.235,"sentiment":"neutral","sentiment_score":0.11670669615268707},{"text":"You have international shares, which is your yellow.","start":1236.695,"end":1239.595,"sentiment":"neutral","sentiment_score":0.11924600321799517},{"text":"And then you have your property, which is your kind of maroon color.","start":1240.3301,"end":1244.1101,"sentiment":"neutral","sentiment_score":0.11962828383995937}],"sentiment":"neutral","sentiment_score":0.11694321654578473,"channel":0,"num_words":47,"start":1227.655,"end":1244.1101},{"sentences":[{"text":"So these are your growth investments.","start":1244.4901,"end":1246.5901,"sentiment":"neutral","sentiment_score":0.19291570534308752},{"text":"So you can see here that they grow the most over the long term, but they also fluctuate the most as well.","start":1246.7301,"end":1253.9501,"sentiment":"neutral","sentiment_score":0.20827680216594177},{"text":"The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference.","start":1255.3949,"end":1263.335,"sentiment":"neutral","sentiment_score":0.04422441460192204},{"text":"So we see 80% invested in those top four, and then we have 20 in the bottom three there.","start":1263.5549,"end":1271.52,"sentiment":"neutral","sentiment_score":0.17435097184620404},{"text":"So you will have, you know, cash, fixed interest, and then goals can come into it as well.","start":1271.8201,"end":1277.28,"sentiment":"neutral","sentiment_score":0.24746782001521853}],"sentiment":"neutral","sentiment_score":0.16930778114234699,"channel":0,"num_words":85,"start":1244.4901,"end":1277.28},{"sentences":[{"text":"And you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable.","start":1277.58,"end":1284.395,"sentiment":"neutral","sentiment_score":0.1744634535908699},{"text":"Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate.","start":1285.895,"end":1295.515,"sentiment":"neutral","sentiment_score":0.07275783959211725},{"text":"In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement.","start":1296.53,"end":1304.15,"sentiment":"neutral","sentiment_score":0.08218751211340229},{"text":"In a growth portfolio, we wanna allow at least six years.","start":1304.53,"end":1307.985,"sentiment":"neutral","sentiment_score":0.10709962113337083},{"text":"It's not always just time, though, that comes into play.","start":1308.545,"end":1311.905,"sentiment":"neutral","sentiment_score":0.00840846577193588}],"sentiment":"neutral","sentiment_score":0.0970609303613564,"channel":0,"num_words":103,"start":1277.58,"end":1311.905},{"sentences":[{"text":"It's also what you are comfortable with.","start":1311.905,"end":1314.325,"sentiment":"positive","sentiment_score":0.40546577317374094},{"text":"Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio.","start":1314.865,"end":1326.55,"sentiment":"neutral","sentiment_score":-0.007760398856857244},{"text":"But how do you feel?","start":1327.33,"end":1328.69,"sentiment":"neutral","sentiment_score":0.06932533830404282},{"text":"Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio?","start":1328.69,"end":1339.505,"sentiment":"neutral","sentiment_score":0.11252904725926263}],"sentiment":"neutral","sentiment_score":0.08468580489725243,"channel":0,"num_words":81,"start":1311.905,"end":1339.505},{"sentences":[{"text":"I'll maintain the high risk.","start":1343.3099,"end":1344.85,"sentiment":"neutral","sentiment_score":-0.011854979768395424}],"sentiment":"neutral","sentiment_score":-0.011854979768395424,"channel":1,"num_words":5,"start":1343.3099,"end":1344.85},{"sentences":[{"text":"Maintain the high risk?","start":1344.925,"end":1346.125,"sentiment":"neutral","sentiment_score":-0.02185025066137314},{"text":"Okay.","start":1346.125,"end":1346.625,"sentiment":"neutral","sentiment_score":0.2159656882286072},{"text":"Perfect.","start":1346.765,"end":1347.265,"sentiment":"positive","sentiment_score":0.4401876032352447},{"text":"Now I'll still go and review your investments, like I said, just to see if we wanna make any changes.","start":1348.23,"end":1354.49,"sentiment":"neutral","sentiment_score":0.24814121052622795},{"text":"You do have, like I said, the time frame behind you.","start":1355.35,"end":1358.73,"sentiment":"neutral","sentiment_score":0.15458710898052563}],"sentiment":"neutral","sentiment_score":0.19546039724672162,"channel":0,"num_words":37,"start":1344.925,"end":1358.73},{"sentences":[{"text":"It will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation.","start":1359.11,"end":1363.5249,"sentiment":"neutral","sentiment_score":0.13062115303344196},{"text":"But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term.","start":1364.1449,"end":1370.565,"sentiment":"neutral","sentiment_score":0.2924430355429649},{"text":"The short term, a little bit more fluctuations.","start":1370.7849,"end":1372.6449,"sentiment":"neutral","sentiment_score":0.15497749205678701},{"text":"And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it.","start":1372.7849,"end":1381.5,"sentiment":"neutral","sentiment_score":0.23350188479973719},{"text":"And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure.","start":1381.5,"end":1388.96,"sentiment":"neutral","sentiment_score":0.10017048716545104}],"sentiment":"neutral","sentiment_score":0.19037304510888847,"channel":0,"num_words":92,"start":1359.11,"end":1388.96},{"sentences":[{"text":"Does that all make sense?","start":1389.02,"end":1390.32,"sentiment":"neutral","sentiment_score":0.13222492933273317}],"sentiment":"neutral","sentiment_score":0.13222492933273317,"channel":0,"num_words":5,"start":1389.02,"end":1390.32},{"sentences":[{"text":"Yep.","start":1390.755,"end":1391.255,"sentiment":"neutral","sentiment_score":0.11507479846477509}],"sentiment":"neutral","sentiment_score":0.11507479846477509,"channel":1,"num_words":1,"start":1390.755,"end":1391.255},{"sentences":[{"text":"Yep.","start":1391.555,"end":1391.955,"sentiment":"neutral","sentiment_score":0.15404176712036133},{"text":"Perfect.","start":1391.955,"end":1392.455,"sentiment":"neutral","sentiment_score":0.3014126121997833},{"text":"Now what is the next investment sorry.","start":1392.915,"end":1396.035,"sentiment":"neutral","sentiment_score":0.059970282284276824},{"text":"The next document that you have there?","start":1396.035,"end":1398.615,"sentiment":"neutral","sentiment_score":0.01762590796819755}],"sentiment":"neutral","sentiment_score":0.06241423194296658,"channel":0,"num_words":16,"start":1391.555,"end":1398.615},{"sentences":[{"text":"Certificate of currency.","start":1399.91,"end":1401.13,"sentiment":"neutral","sentiment_score":0.04468401769797007}],"sentiment":"neutral","sentiment_score":0.04468401769797007,"channel":1,"num_words":3,"start":1399.91,"end":1401.13},{"sentences":[{"text":"Yep.","start":1401.875,"end":1402.355,"sentiment":"neutral","sentiment_score":0.11151586472988129},{"text":"Perfect.","start":1402.355,"end":1402.855,"sentiment":"neutral","sentiment_score":0.2507205605506897},{"text":"Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially.","start":1403.16,"end":1411.26,"sentiment":"neutral","sentiment_score":0.15375537772973377}],"sentiment":"neutral","sentiment_score":0.15546555491164327,"channel":0,"num_words":32,"start":1401.875,"end":1411.26},{"sentences":[{"text":"Okay.","start":1412.615,"end":1413.115,"sentiment":"neutral","sentiment_score":0.053299207240343094}],"sentiment":"neutral","sentiment_score":0.053299207240343094,"channel":1,"num_words":1,"start":1412.615,"end":1413.115},{"sentences":[{"text":"And what's what's your next one?","start":1413.0801,"end":1414.935,"sentiment":"neutral","sentiment_score":0.029648988818128903}],"sentiment":"neutral","sentiment_score":0.029648988818128903,"channel":0,"num_words":6,"start":1413.0801,"end":1414.935},{"sentences":[{"text":"Financial service guide.","start":1417.495,"end":1419.035,"sentiment":"neutral","sentiment_score":0.0188242606818676},{"text":"Services","start":1419.36,"end":1419.86,"sentiment":"neutral","sentiment_score":0.01415257528424263}],"sentiment":"neutral","sentiment_score":0.017656339332461357,"channel":1,"num_words":4,"start":1417.495,"end":1419.86},{"sentences":[{"text":"Yep.","start":1419.8151,"end":1420.3151,"sentiment":"neutral","sentiment_score":0.058139022439718246},{"text":"Yep.","start":1420.6951,"end":1421.0951,"sentiment":"neutral","sentiment_score":0.10403706878423692},{"text":"Perfect.","start":1421.0951,"end":1421.5751,"sentiment":"neutral","sentiment_score":0.25653648376464844},{"text":"So you have kind of threw straight after each other.","start":1421.5751,"end":1423.9751,"sentiment":"neutral","sentiment_score":0.10976231694221497},{"text":"One is the financial services guide here, which is just kind of a smaller version of three pages.","start":1423.9751,"end":1430.8899,"sentiment":"neutral","sentiment_score":0.06818175108896361}],"sentiment":"neutral","sentiment_score":0.08850346012942252,"channel":0,"num_words":31,"start":1419.8151,"end":1430.8899},{"sentences":[{"text":"And then the next","start":1432.3899,"end":1433.59,"sentiment":"neutral","sentiment_score":0.06771436426788568}],"sentiment":"neutral","sentiment_score":0.06771436426788568,"channel":0,"num_words":4,"start":1432.3899,"end":1433.59},{"sentences":[{"text":"guide.","start":1433.2,"end":1433.7,"sentiment":"neutral","sentiment_score":0.06624962389469147}],"sentiment":"neutral","sentiment_score":0.06624962389469147,"channel":1,"num_words":1,"start":1433.2,"end":1433.7},{"sentences":[{"text":"one is the OQ services guide version one, which is your little bigger document.","start":1433.59,"end":1439.9299,"sentiment":"neutral","sentiment_score":0.07294149377516337},{"text":"Can you see that that bigger one as well?","start":1439.99,"end":1442.25,"sentiment":"neutral","sentiment_score":0.08570452200041877}],"sentiment":"neutral","sentiment_score":0.07793572221113287,"channel":0,"num_words":23,"start":1433.59,"end":1442.25},{"sentences":[{"text":"Yes.","start":1442.785,"end":1443.285,"sentiment":"neutral","sentiment_score":0.12431353330612184}],"sentiment":"neutral","sentiment_score":0.12431353330612184,"channel":1,"num_words":1,"start":1442.785,"end":1443.285},{"sentences":[{"text":"Yep.","start":1443.635,"end":1444.135,"sentiment":"neutral","sentiment_score":0.1652386039495468},{"text":"Perfect.","start":1444.195,"end":1444.6749,"sentiment":"neutral","sentiment_score":0.3290330171585083},{"text":"Now, again, you would have seen this one before.","start":1444.6749,"end":1446.755,"sentiment":"neutral","sentiment_score":0.18690230283472273},{"text":"It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you.","start":1446.755,"end":1453.975,"sentiment":"neutral","sentiment_score":0.2843137027128883},{"text":"None of the important information has changed, but we've had a bit of an update through marketing.","start":1454.275,"end":1459.57,"sentiment":"neutral","sentiment_score":0.054450332241899824}],"sentiment":"neutral","sentiment_score":0.18904437562998602,"channel":0,"num_words":51,"start":1443.635,"end":1459.57},{"sentences":[{"text":"So you may see a bit of an updated photos.","start":1459.63,"end":1461.89,"sentiment":"neutral","sentiment_score":0.23100036829710008},{"text":"And we've also had a bit of an extension to the team, which is nice.","start":1462.6699,"end":1466.21,"sentiment":"positive","sentiment_score":0.519952102502187},{"text":"Now if you do scroll through this document, and I'll let you have a read over that in your own time.","start":1467.07,"end":1472.605,"sentiment":"neutral","sentiment_score":0.22598133768354142},{"text":"But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys.","start":1472.605,"end":1487.52,"sentiment":"neutral","sentiment_score":0.14992563929912206}],"sentiment":"neutral","sentiment_score":0.24580893934850234,"channel":0,"num_words":83,"start":1459.63,"end":1487.52},{"sentences":[{"text":"Okay.","start":1487.9299,"end":1488.4299,"sentiment":"neutral","sentiment_score":0.13339324295520782}],"sentiment":"neutral","sentiment_score":0.13339324295520782,"channel":1,"num_words":1,"start":1487.9299,"end":1488.4299},{"sentences":[{"text":"Yep.","start":1489.1,"end":1489.58,"sentiment":"neutral","sentiment_score":0.2094789743423462},{"text":"Perfect.","start":1489.58,"end":1490.08,"sentiment":"positive","sentiment_score":0.4233490824699402},{"text":"Now the next document you should see, is that an ongoing service 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the one, if you are happy to do so, that it will ask for your signature.","start":1508.875,"end":1512.735,"sentiment":"positive","sentiment_score":0.3855748342143165},{"text":"And that is just to say that you are happy to stay on as a client.","start":1513.67,"end":1517.53,"sentiment":"positive","sentiment_score":0.5789698101580143}],"sentiment":"positive","sentiment_score":0.4619060899760272,"channel":0,"num_words":37,"start":1507.1951,"end":1517.53},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1518.15,"end":1523.29,"sentiment":"neutral","sentiment_score":0.061427600060900055},{"text":"It stays exactly the same at 1.65 from super.","start":1523.4299,"end":1528.25,"sentiment":"neutral","sentiment_score":0.2819012287590239},{"text":"No changes in regards to that, and it is not a lock in contract.","start":1528.875,"end":1533.135,"sentiment":"neutral","sentiment_score":0.027465723188860074},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1533.595,"end":1538.335,"sentiment":"neutral","sentiment_score":0.039094524871971875},{"text":"But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime.","start":1538.715,"end":1544.55,"sentiment":"positive","sentiment_score":0.345279641804241}],"sentiment":"neutral","sentiment_score":0.15693697715933258,"channel":0,"num_words":74,"start":1518.15,"end":1544.55},{"sentences":[{"text":"Time.","start":1544.55,"end":1544.87,"sentiment":"neutral","sentiment_score":0.06218765303492546},{"text":"Does that make 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form?","start":1554.7101,"end":1557.6101,"sentiment":"neutral","sentiment_score":0.04176483696533574},{"text":"Option to provide tax file number?","start":1565.685,"end":1567.9451,"sentiment":"neutral","sentiment_score":0.013109426479786634}],"sentiment":"neutral","sentiment_score":0.062225130248676847,"channel":0,"num_words":27,"start":1547.75,"end":1567.9451},{"sentences":[{"text":"It's forcing me to sign first before I can do the next document.","start":1572.0499,"end":1575.4299,"sentiment":"neutral","sentiment_score":-0.14315914534605467}],"sentiment":"neutral","sentiment_score":-0.14315914534605467,"channel":1,"num_words":13,"start":1572.0499,"end":1575.4299},{"sentences":[{"text":"Okay.","start":1576.02,"end":1576.42,"sentiment":"neutral","sentiment_score":0.06932444870471954},{"text":"Are you happy to do that?","start":1576.42,"end":1577.9601,"sentiment":"neutral","sentiment_score":0.11736825356880824},{"text":"Yep.","start":1580.9,"end":1581.4,"sentiment":"neutral","sentiment_score":0.10628920048475266},{"text":"Like I said, there's no lock in contract or anything like that and no changes to the fee structure.","start":1584.675,"end":1589.8151,"sentiment":"neutral","sentiment_score":0.05988472817759765},{"text":"All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time.","start":1596.53,"end":1605.41,"sentiment":"neutral","sentiment_score":0.2773862625871386}],"sentiment":"neutral","sentiment_score":0.18913148704075045,"channel":0,"num_words":62,"start":1576.02,"end":1605.41},{"sentences":[{"text":"Or if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for 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no.","start":2015.59,"end":2016.73,"sentiment":"neutral","sentiment_score":-0.15333534280459085}],"sentiment":"neutral","sentiment_score":-0.15333534280459085,"channel":1,"num_words":3,"start":2015.59,"end":2016.73},{"sentences":[{"text":"No.","start":2017.0549,"end":2017.5349,"sentiment":"neutral","sentiment_score":-0.10624682903289796},{"text":"Perfect.","start":2017.5349,"end":2018.0349,"sentiment":"neutral","sentiment_score":0.1280842274427414},{"text":"And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file.","start":2018.6549,"end":2029.075,"sentiment":"neutral","sentiment_score":0.0399847709658471},{"text":"50% going through your husband and then 50% through another person, and it says they're interdependent relationship.","start":2030.26,"end":2038.4401,"sentiment":"neutral","sentiment_score":-0.011245700585491517},{"text":"Do you know who that person 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wanna","start":2102.095,"end":2102.735,"sentiment":"neutral","sentiment_score":0.06230419874191284}],"sentiment":"neutral","sentiment_score":0.0627262924930879,"channel":0,"num_words":28,"start":2092.21,"end":2102.735},{"sentences":[{"text":"Yes.","start":2102.5,"end":2103.0,"sentiment":"neutral","sentiment_score":0.15776552259922028}],"sentiment":"neutral","sentiment_score":0.15776552259922028,"channel":1,"num_words":1,"start":2102.5,"end":2103.0},{"sentences":[{"text":"make sure that we have the right nomination.","start":2102.735,"end":2104.595,"sentiment":"neutral","sentiment_score":0.18080560863018036},{"text":"So you have done everything perfectly, which is great.","start":2104.8152,"end":2107.475,"sentiment":"positive","sentiment_score":0.6841798689630296},{"text":"Now for your insurances, though, we don't have a nomination on file.","start":2107.935,"end":2113.46,"sentiment":"neutral","sentiment_score":-0.08579610846936703},{"text":"So we have it for your super, but not for your Clearview insurances.","start":2113.46,"end":2117.6401,"sentiment":"neutral","sentiment_score":-0.05671950601614439},{"text":"So would you like it to be the same split, or do you want it anything differently?","start":2119.06,"end":2124.655,"sentiment":"neutral","sentiment_score":-0.04717378384050201}],"sentiment":"neutral","sentiment_score":0.08534241499284566,"channel":0,"num_words":59,"start":2102.735,"end":2124.655},{"sentences":[{"text":"I'll just put down my husband's for now.","start":2127.57,"end":2129.67,"sentiment":"neutral","sentiment_score":-0.019650286994874477}],"sentiment":"neutral","sentiment_score":-0.019650286994874477,"channel":1,"num_words":8,"start":2127.57,"end":2129.67},{"sentences":[{"text":"Yep.","start":2130.155,"end":2130.655,"sentiment":"neutral","sentiment_score":0.07296521961688995},{"text":"Now because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed.","start":2130.875,"end":2141.2698,"sentiment":"neutral","sentiment_score":0.04864767399327508},{"text":"So do you have access to a printer, or do you prefer that to be posted out to you?","start":2142.13,"end":2148.95,"sentiment":"neutral","sentiment_score":0.03492652360153826}],"sentiment":"neutral","sentiment_score":0.04382350436430805,"channel":0,"num_words":49,"start":2130.155,"end":2148.95},{"sentences":[{"text":"I can get it printed.","start":2152.6199,"end":2154.38,"sentiment":"neutral","sentiment_score":0.04672126397490502},{"text":"Yeah.","start":2154.38,"end":2154.88,"sentiment":"neutral","sentiment_score":0.05207737535238266}],"sentiment":"neutral","sentiment_score":0.04761394920448462,"channel":1,"num_words":6,"start":2152.6199,"end":2154.88},{"sentences":[{"text":"Print it?","start":2155.105,"end":2155.665,"sentiment":"neutral","sentiment_score":0.04655368626117706},{"text":"Okay.","start":2155.665,"end":2156.165,"sentiment":"neutral","sentiment_score":0.1031886786222458},{"text":"So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter.","start":2156.225,"end":2166.36,"sentiment":"neutral","sentiment_score":0.15534080058336258},{"text":"And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish.","start":2166.58,"end":2179.64,"sentiment":"neutral","sentiment_score":0.19156457924721193},{"text":"Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal?","start":2182.435,"end":2194.61,"sentiment":"neutral","sentiment_score":0.09941874613816087}],"sentiment":"neutral","sentiment_score":0.14744549817290187,"channel":0,"num_words":121,"start":2155.105,"end":2194.61},{"sentences":[{"text":"How am I going with that?","start":2194.61,"end":2195.8901,"sentiment":"neutral","sentiment_score":0.027343322212497394},{"text":"Is still still the case, or has anything changed?","start":2195.8901,"end":2198.47,"sentiment":"neutral","sentiment_score":-0.03888512444165018},{"text":"So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track.","start":2199.1702,"end":2207.6501,"sentiment":"neutral","sentiment_score":0.11407345947292116},{"text":"Is that still kind of the plan for you guys?","start":2207.6501,"end":2210.5352,"sentiment":"neutral","sentiment_score":0.12878189757466316}],"sentiment":"neutral","sentiment_score":0.08042108066953145,"channel":0,"num_words":52,"start":2194.61,"end":2210.5352},{"sentences":[{"text":"Yeah.","start":2211.12,"end":2211.62,"sentiment":"neutral","sentiment_score":0.08794461190700531}],"sentiment":"neutral","sentiment_score":0.08794461190700531,"channel":1,"num_words":1,"start":2211.12,"end":2211.62},{"sentences":[{"text":"Yep.","start":2212.115,"end":2212.615,"sentiment":"neutral","sentiment_score":0.020928647369146347},{"text":"Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all?","start":2213.395,"end":2219.975,"sentiment":"neutral","sentiment_score":0.07454035171995992}],"sentiment":"neutral","sentiment_score":0.0723065307053427,"channel":0,"num_words":24,"start":2212.115,"end":2219.975},{"sentences":[{"text":"Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband.","start":2223.095,"end":2229.435,"sentiment":"neutral","sentiment_score":-0.0143120134168345}],"sentiment":"neutral","sentiment_score":-0.0143120134168345,"channel":1,"num_words":23,"start":2223.095,"end":2229.435},{"sentences":[{"text":"Yep.","start":2230.13,"end":2230.63,"sentiment":"neutral","sentiment_score":0.08787965029478073}],"sentiment":"neutral","sentiment_score":0.08787965029478073,"channel":0,"num_words":1,"start":2230.13,"end":2230.63},{"sentences":[{"text":"But that's working in progress at the moment.","start":2230.935,"end":2233.035,"sentiment":"neutral","sentiment_score":0.13582542166113853},{"text":"And then once it's my name is from is released from this mortgage, and we're looking at getting our own place.","start":2233.895,"end":2240.08,"sentiment":"neutral","sentiment_score":0.0450842838202204},{"text":"But then, yeah, maybe two years","start":2240.08,"end":2242.4802,"sentiment":"neutral","sentiment_score":0.025355597337086994}],"sentiment":"neutral","sentiment_score":0.062443054786750246,"channel":1,"num_words":35,"start":2230.935,"end":2242.4802},{"sentences":[{"text":"Yep.","start":2242.3052,"end":2242.8052,"sentiment":"neutral","sentiment_score":0.06006309017539024}],"sentiment":"neutral","sentiment_score":0.06006309017539024,"channel":0,"num_words":1,"start":2242.3052,"end":2242.8052},{"sentences":[{"text":"from then, get an investment property, I guess.","start":2242.4802,"end":2245.9402,"sentiment":"neutral","sentiment_score":0.039918554946780205},{"text":"But, yeah, that's basically what I'm working towards at the 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good.","start":2251.8398,"end":2252.66,"sentiment":"positive","sentiment_score":0.578702837228775},{"text":"Mhmm.","start":2252.96,"end":2253.46,"sentiment":"neutral","sentiment_score":0.026403170078992844}],"sentiment":"positive","sentiment_score":0.3946029481788476,"channel":0,"num_words":3,"start":2251.8398,"end":2253.46},{"sentences":[{"text":"with considering going through IVF, I don't know if","start":2254.155,"end":2262.315,"sentiment":"neutral","sentiment_score":-0.014493034738633368}],"sentiment":"neutral","sentiment_score":-0.014493034738633368,"channel":1,"num_words":9,"start":2254.155,"end":2262.315},{"sentences":[{"text":"Yeah.","start":2262.2551,"end":2262.7551,"sentiment":"neutral","sentiment_score":0.017679966986179352}],"sentiment":"neutral","sentiment_score":0.017679966986179352,"channel":0,"num_words":1,"start":2262.2551,"end":2262.7551},{"sentences":[{"text":"that's that can be considered, I guess, as part of","start":2262.315,"end":2268.1099,"sentiment":"neutral","sentiment_score":0.038449482247233394}],"sentiment":"neutral","sentiment_score":0.038449482247233394,"channel":1,"num_words":10,"start":2262.315,"end":2268.1099},{"sentences":[{"text":"Yes.","start":2268.0151,"end":2268.5151,"sentiment":"neutral","sentiment_score":0.05394202843308449}],"sentiment":"neutral","sentiment_score":0.05394202843308449,"channel":0,"num_words":1,"start":2268.0151,"end":2268.5151},{"sentences":[{"text":"the okay.","start":2268.1099,"end":2268.69,"sentiment":"neutral","sentiment_score":0.05972212925553322},{"text":"Is that something that we could do potentially use our Super on?","start":2268.91,"end":2271.89,"sentiment":"neutral","sentiment_score":0.06948092548797528}],"sentiment":"neutral","sentiment_score":0.06808681174048356,"channel":1,"num_words":14,"start":2268.1099,"end":2271.89},{"sentences":[{"text":"There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment.","start":2273.23,"end":2287.855,"sentiment":"neutral","sentiment_score":0.005873450040817261},{"text":"So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement.","start":2287.9148,"end":2295.295,"sentiment":"neutral","sentiment_score":-0.054686773822388866},{"text":"Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super.","start":2296.55,"end":2305.1301,"sentiment":"neutral","sentiment_score":-0.03444327220320702},{"text":"One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses.","start":2305.59,"end":2314.145,"sentiment":"neutral","sentiment_score":-0.1408038008213043},{"text":"The other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means.","start":2314.685,"end":2333.2,"sentiment":"neutral","sentiment_score":0.0059267317361020025}],"sentiment":"neutral","sentiment_score":-0.03582564727144523,"channel":0,"num_words":144,"start":2273.23,"end":2333.2},{"sentences":[{"text":"Now","start":2333.82,"end":2334.32,"sentiment":"neutral","sentiment_score":0.01231418177485466}],"sentiment":"neutral","sentiment_score":0.01231418177485466,"channel":0,"num_words":1,"start":2333.82,"end":2334.32},{"sentences":[{"text":"Okay.","start":2334.1748,"end":2334.6748,"sentiment":"neutral","sentiment_score":0.018573805689811707}],"sentiment":"neutral","sentiment_score":0.018573805689811707,"channel":1,"num_words":1,"start":2334.1748,"end":2334.6748},{"sentences":[{"text":"the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and","start":2334.3801,"end":2348.365,"sentiment":"neutral","sentiment_score":0.01600308796124799}],"sentiment":"neutral","sentiment_score":0.01600308796124799,"channel":0,"num_words":28,"start":2334.3801,"end":2348.365},{"sentences":[{"text":"Yep.","start":2348.26,"end":2348.76,"sentiment":"neutral","sentiment_score":-0.05936872214078903}],"sentiment":"neutral","sentiment_score":-0.05936872214078903,"channel":1,"num_words":1,"start":2348.26,"end":2348.76},{"sentences":[{"text":"can't meet the expenses.","start":2348.365,"end":2349.985,"sentiment":"neutral","sentiment_score":-0.08515390008687973},{"text":"Is that something you guys are looking at quite soon, or do you know time frame lives at 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have you guys had an an appointment?","start":2367.935,"end":2369.695,"sentiment":"neutral","sentiment_score":0.040931905852630734},{"text":"Do you know anything about, you know, the fees or anything like that as of yet?","start":2369.695,"end":2373.475,"sentiment":"neutral","sentiment_score":-0.02342819469049573}],"sentiment":"neutral","sentiment_score":0.02068629993924073,"channel":0,"num_words":35,"start":2363.5,"end":2373.475},{"sentences":[{"text":"Yeah.","start":2374.915,"end":2375.2349,"sentiment":"neutral","sentiment_score":0.005561761558055878},{"text":"We did get some documentations from them around the fees 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that.","start":2394.135,"end":2398.2952,"sentiment":"neutral","sentiment_score":-0.09161429624590609},{"text":"But, yeah,","start":2398.2952,"end":2399.0352,"sentiment":"neutral","sentiment_score":-0.025860085152089596}],"sentiment":"neutral","sentiment_score":-0.08503887513652444,"channel":1,"num_words":20,"start":2394.135,"end":2399.0352},{"sentences":[{"text":"Yep.","start":2398.955,"end":2399.455,"sentiment":"neutral","sentiment_score":-0.003631308674812317}],"sentiment":"neutral","sentiment_score":-0.003631308674812317,"channel":0,"num_words":1,"start":2398.955,"end":2399.455},{"sentences":[{"text":"it's it's just that it's just in case we're not able 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fees and stuff like that.","start":2411.7,"end":2414.02,"sentiment":"neutral","sentiment_score":-0.02672865428030491},{"text":"Yeah.","start":2414.02,"end":2414.52,"sentiment":"neutral","sentiment_score":0.0419255793094635}],"sentiment":"neutral","sentiment_score":-0.019100406103663974,"channel":1,"num_words":9,"start":2411.7,"end":2414.52},{"sentences":[{"text":"Yes.","start":2414.585,"end":2415.085,"sentiment":"neutral","sentiment_score":0.07601658999919891},{"text":"Yes.","start":2416.1848,"end":2416.6848,"sentiment":"neutral","sentiment_score":0.08039494603872299},{"text":"So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know.","start":2416.825,"end":2433.39,"sentiment":"neutral","sentiment_score":0.019992092890398844},{"text":"Just send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses.","start":2433.39,"end":2450.2651,"sentiment":"neutral","sentiment_score":0.1306605673610018},{"text":"So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you.","start":2451.125,"end":2460.8,"sentiment":"neutral","sentiment_score":0.13045634850859641}],"sentiment":"neutral","sentiment_score":0.09288983647194174,"channel":0,"num_words":126,"start":2414.585,"end":2460.8},{"sentences":[{"text":"Okay.","start":2460.9749,"end":2461.4548,"sentiment":"neutral","sentiment_score":0.1929573118686676},{"text":"Cool.","start":2461.4548,"end":2461.9548,"sentiment":"neutral","sentiment_score":0.31745997071266174}],"sentiment":"neutral","sentiment_score":0.2552086412906647,"channel":1,"num_words":2,"start":2460.9749,"end":2461.9548},{"sentences":[{"text":"Yep.","start":2461.98,"end":2462.48,"sentiment":"positive","sentiment_score":0.347454309463501},{"text":"Perfect.","start":2462.54,"end":2463.04,"sentiment":"positive","sentiment_score":0.6035555601119995},{"text":"So, yeah, just just let me know how it all goes.","start":2463.74,"end":2466.64,"sentiment":"neutral","sentiment_score":0.29214626821604645},{"text":"But, yeah, that is I'm glad you asked because often people don't think you can access","start":2468.22,"end":2472.64,"sentiment":"neutral","sentiment_score":0.23242991045117378}],"sentiment":"neutral","sentiment_score":0.271844737488648,"channel":0,"num_words":29,"start":2461.98,"end":2472.64},{"sentences":[{"text":"Yeah.","start":2472.8298,"end":2473.3298,"sentiment":"neutral","sentiment_score":0.108753502368927}],"sentiment":"neutral","sentiment_score":0.108753502368927,"channel":1,"num_words":1,"start":2472.8298,"end":2473.3298},{"sentences":[{"text":"super for 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is good.","start":2484.0652,"end":2485.345,"sentiment":"positive","sentiment_score":0.5018158078193664},{"text":"I'll make a little note here as well just that we are aware that that might be a a situation for you.","start":2485.345,"end":2491.81,"sentiment":"neutral","sentiment_score":0.11788015660237182}],"sentiment":"neutral","sentiment_score":0.18897935127218565,"channel":0,"num_words":27,"start":2484.0652,"end":2491.81},{"sentences":[{"text":"Okay.","start":2492.31,"end":2492.81,"sentiment":"neutral","sentiment_score":0.006371248979121447}],"sentiment":"neutral","sentiment_score":0.006371248979121447,"channel":1,"num_words":1,"start":2492.31,"end":2492.81},{"sentences":[{"text":"But is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied?","start":2492.4302,"end":2497.57,"sentiment":"neutral","sentiment_score":-0.01847782524095641}],"sentiment":"neutral","sentiment_score":-0.01847782524095641,"channel":0,"num_words":18,"start":2492.4302,"end":2497.57},{"sentences":[{"text":"Yeah.","start":2498.71,"end":2499.21,"sentiment":"neutral","sentiment_score":0.02969338558614254}],"sentiment":"neutral","sentiment_score":0.02969338558614254,"channel":1,"num_words":1,"start":2498.71,"end":2499.21},{"sentences":[{"text":"Yeah.","start":2499.7102,"end":2500.2102,"sentiment":"neutral","sentiment_score":0.031286146491765976}],"sentiment":"neutral","sentiment_score":0.031286146491765976,"channel":0,"num_words":1,"start":2499.7102,"end":2500.2102},{"sentences":[{"text":"Just with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty?","start":2499.75,"end":2510.735,"sentiment":"neutral","sentiment_score":0.027864868511204368},{"text":"I don't know.","start":2510.735,"end":2511.555,"sentiment":"neutral","sentiment_score":-0.04122775544722875}],"sentiment":"neutral","sentiment_score":0.020955606115361056,"channel":1,"num_words":30,"start":2499.75,"end":2511.555},{"sentences":[{"text":"Yeah.","start":2511.935,"end":2512.255,"sentiment":"neutral","sentiment_score":0.0754019021987915},{"text":"You definitely can.","start":2512.255,"end":2513.535,"sentiment":"neutral","sentiment_score":0.1944066435098648},{"text":"But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change.","start":2513.535,"end":2520.73,"sentiment":"neutral","sentiment_score":-0.03232590516132337}],"sentiment":"neutral","sentiment_score":-0.006908955052495003,"channel":0,"num_words":31,"start":2511.935,"end":2520.73},{"sentences":[{"text":"Okay.","start":2521.1902,"end":2521.6902,"sentiment":"neutral","sentiment_score":0.0762331634759903}],"sentiment":"neutral","sentiment_score":0.0762331634759903,"channel":1,"num_words":1,"start":2521.1902,"end":2521.6902},{"sentences":[{"text":"But what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you.","start":2521.9102,"end":2529.1301,"sentiment":"neutral","sentiment_score":0.18461871907114982},{"text":"That","start":2529.435,"end":2529.595,"sentiment":"neutral","sentiment_score":0.13701865077018738}],"sentiment":"neutral","sentiment_score":0.1827879472134205,"channel":0,"num_words":26,"start":2521.9102,"end":2529.595},{"sentences":[{"text":"Yeah.","start":2529.51,"end":2530.01,"sentiment":"neutral","sentiment_score":0.13510221242904663}],"sentiment":"neutral","sentiment_score":0.13510221242904663,"channel":1,"num_words":1,"start":2529.51,"end":2530.01},{"sentences":[{"text":"way you have the forms if you would like to change it, and you can change the percentage to whatever you want.","start":2529.595,"end":2534.895,"sentiment":"neutral","sentiment_score":0.15759751844135197}],"sentiment":"neutral","sentiment_score":0.15759751844135197,"channel":0,"num_words":22,"start":2529.595,"end":2534.895},{"sentences":[{"text":"Okay.","start":2535.11,"end":2535.51,"sentiment":"neutral","sentiment_score":0.29578137397766113},{"text":"Cool.","start":2535.51,"end":2535.99,"sentiment":"positive","sentiment_score":0.5043971538543701},{"text":"Yeah.","start":2535.99,"end":2536.49,"sentiment":"positive","sentiment_score":0.4211212396621704}],"sentiment":"positive","sentiment_score":0.4070999224980672,"channel":1,"num_words":3,"start":2535.11,"end":2536.49},{"sentences":[{"text":"Yep.","start":2536.075,"end":2536.5552,"sentiment":"positive","sentiment_score":0.5642439126968384},{"text":"Perfect.","start":2536.5552,"end":2537.0552,"sentiment":"positive","sentiment_score":0.7724504470825195},{"text":"Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day?","start":2538.075,"end":2543.73,"sentiment":"positive","sentiment_score":0.5505524948239326}],"sentiment":"positive","sentiment_score":0.5596136244443747,"channel":0,"num_words":26,"start":2536.075,"end":2543.73},{"sentences":[{"text":"Not that I can think of at the moment.","start":2545.2449,"end":2547.265,"sentiment":"neutral","sentiment_score":-0.0954215062989129}],"sentiment":"neutral","sentiment_score":-0.0954215062989129,"channel":1,"num_words":9,"start":2545.2449,"end":2547.265},{"sentences":[{"text":"Yes.","start":2547.81,"end":2548.31,"sentiment":"neutral","sentiment_score":0.12697353959083557}],"sentiment":"neutral","sentiment_score":0.12697353959083557,"channel":0,"num_words":1,"start":2547.81,"end":2548.31},{"sentences":[{"text":"But, yeah, I'll I'll reach out if I do have any other questions.","start":2548.285,"end":2551.425,"sentiment":"neutral","sentiment_score":0.2563065920884793}],"sentiment":"neutral","sentiment_score":0.2563065920884793,"channel":1,"num_words":13,"start":2548.285,"end":2551.425},{"sentences":[{"text":"Please do.","start":2552.45,"end":2553.25,"sentiment":"neutral","sentiment_score":0.2730926424264908},{"text":"And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you?","start":2553.25,"end":2566.365,"sentiment":"neutral","sentiment_score":0.1624434038641907},{"text":"Now it will take me about a week to put it all together.","start":2566.365,"end":2570.0652,"sentiment":"neutral","sentiment_score":0.06031665492516298},{"text":"So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you?","start":2571.2,"end":2579.8599,"sentiment":"neutral","sentiment_score":0.04478767405574521}],"sentiment":"neutral","sentiment_score":0.11392381405572832,"channel":0,"num_words":81,"start":2552.45,"end":2579.8599},{"sentences":[{"text":"I can do a Friday next week.","start":2585.95,"end":2588.69,"sentiment":"neutral","sentiment_score":-0.029247376269527843}],"sentiment":"neutral","sentiment_score":-0.029247376269527843,"channel":1,"num_words":7,"start":2585.95,"end":2588.69},{"sentences":[{"text":"But I don't work on Fridays, unfortunately.","start":2589.455,"end":2591.955,"sentiment":"neutral","sentiment_score":-0.209332637488842}],"sentiment":"neutral","sentiment_score":-0.209332637488842,"channel":0,"num_words":7,"start":2589.455,"end":2591.955},{"sentences":[{"text":"Oh, okay.","start":2591.8699,"end":2592.53,"sentiment":"neutral","sentiment_score":-0.03871985338628292}],"sentiment":"neutral","sentiment_score":-0.03871985338628292,"channel":1,"num_words":2,"start":2591.8699,"end":2592.53},{"sentences":[{"text":"I do late days on Thursdays if during the day is tricky for you.","start":2593.855,"end":2600.93,"sentiment":"neutral","sentiment_score":-0.08675936103931495},{"text":"Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work.","start":2603.5498,"end":2616.415,"sentiment":"neutral","sentiment_score":0.034940171866647655}],"sentiment":"neutral","sentiment_score":-0.0029219050374295974,"channel":0,"num_words":45,"start":2593.855,"end":2616.415},{"sentences":[{"text":"Yeah.","start":2620.0,"end":2620.5,"sentiment":"neutral","sentiment_score":0.03630346804857254},{"text":"Maybe.","start":2620.72,"end":2621.22,"sentiment":"neutral","sentiment_score":0.03115629218518734}],"sentiment":"neutral","sentiment_score":0.03372988011687994,"channel":1,"num_words":2,"start":2620.0,"end":2621.22},{"sentences":[{"text":"Do you want me to tentatively book that in?","start":2623.21,"end":2625.69,"sentiment":"neutral","sentiment_score":0.025124722470839817},{"text":"Or I'll book","start":2625.69,"end":2627.13,"sentiment":"neutral","sentiment_score":0.022700014834602673}],"sentiment":"neutral","sentiment_score":0.02451854556178053,"channel":0,"num_words":12,"start":2623.21,"end":2627.13},{"sentences":[{"text":"Yeah.","start":2627.4648,"end":2627.865,"sentiment":"neutral","sentiment_score":0.04390111565589905},{"text":"Maybe","start":2627.865,"end":2628.1848,"sentiment":"neutral","sentiment_score":0.05204520374536514}],"sentiment":"neutral","sentiment_score":0.047973159700632095,"channel":1,"num_words":2,"start":2627.4648,"end":2628.1848},{"sentences":[{"text":"Yep.","start":2628.0898,"end":2628.5898,"sentiment":"neutral","sentiment_score":0.07482436299324036}],"sentiment":"neutral","sentiment_score":0.07482436299324036,"channel":0,"num_words":1,"start":2628.0898,"end":2628.5898},{"sentences":[{"text":"yeah.","start":2628.345,"end":2628.585,"sentiment":"neutral","sentiment_score":0.08866273611783981},{"text":"It's","start":2628.585,"end":2628.9849,"sentiment":"neutral","sentiment_score":0.07861828804016113}],"sentiment":"neutral","sentiment_score":0.08364051207900047,"channel":1,"num_words":2,"start":2628.345,"end":2628.9849},{"sentences":[{"text":"Okay.","start":2628.65,"end":2629.15,"sentiment":"neutral","sentiment_score":0.06630981713533401}],"sentiment":"neutral","sentiment_score":0.06630981713533401,"channel":0,"num_words":1,"start":2628.65,"end":2629.15},{"sentences":[{"text":"put in the the twenty second.","start":2628.9849,"end":2630.605,"sentiment":"neutral","sentiment_score":0.0718400285889705}],"sentiment":"neutral","sentiment_score":0.0718400285889705,"channel":1,"num_words":6,"start":2628.9849,"end":2630.605},{"sentences":[{"text":"I'll book it in on Monday, June 22 at 04:30.","start":2631.945,"end":2636.205,"sentiment":"neutral","sentiment_score":0.09503118842840194},{"text":"But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you.","start":2636.665,"end":2646.39,"sentiment":"neutral","sentiment_score":-0.017410691517094772}],"sentiment":"neutral","sentiment_score":0.01566044964334544,"channel":0,"num_words":34,"start":2631.945,"end":2646.39},{"sentences":[{"text":"Okay.","start":2646.8398,"end":2647.3398,"sentiment":"neutral","sentiment_score":0.33012574911117554},{"text":"Cool.","start":2647.4,"end":2647.9,"sentiment":"positive","sentiment_score":0.5292003154754639}],"sentiment":"positive","sentiment_score":0.4296630322933197,"channel":1,"num_words":2,"start":2646.8398,"end":2647.9},{"sentences":[{"text":"Okay.","start":2647.8298,"end":2648.3298,"sentiment":"positive","sentiment_score":0.5148530006408691},{"text":"Beautiful.","start":2648.39,"end":2648.89,"sentiment":"positive","sentiment_score":0.779489278793335},{"text":"Well, thank you so much for your time today.","start":2649.67,"end":2651.91,"sentiment":"positive","sentiment_score":0.8342930608325534},{"text":"It was lovely speaking with you.","start":2651.91,"end":2653.67,"sentiment":"positive","sentiment_score":0.9022762179374695},{"text":"Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research.","start":2653.99,"end":2665.515,"sentiment":"positive","sentiment_score":0.408202651143074}],"sentiment":"positive","sentiment_score":0.535872687373245,"channel":0,"num_words":57,"start":2647.8298,"end":2665.515},{"sentences":[{"text":"And like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you.","start":2665.515,"end":2673.27,"sentiment":"neutral","sentiment_score":0.31506540506116804}],"sentiment":"neutral","sentiment_score":0.31506540506116804,"channel":0,"num_words":31,"start":2665.515,"end":2673.27},{"sentences":[{"text":"Alright.","start":2673.6199,"end":2673.9,"sentiment":"positive","sentiment_score":0.5262511968612671},{"text":"Thank you very much.","start":2673.9,"end":2675.24,"sentiment":"positive","sentiment_score":0.7625291794538498}],"sentiment":"positive","sentiment_score":0.7152735829353333,"channel":1,"num_words":5,"start":2673.6199,"end":2675.24},{"sentences":[{"text":"Yep.","start":2675.27,"end":2675.51,"sentiment":"positive","sentiment_score":0.4443206191062927},{"text":"No problem at all.","start":2675.51,"end":2676.55,"sentiment":"positive","sentiment_score":0.6764517724514008},{"text":"You enjoy the rest of your day, and I look forward to speaking with you on the twenty second.","start":2676.55,"end":2680.17,"sentiment":"positive","sentiment_score":0.8008994711072821}],"sentiment":"positive","sentiment_score":0.7653007358312607,"channel":0,"num_words":24,"start":2675.27,"end":2680.17},{"sentences":[{"text":"You have a good","start":2680.42,"end":2681.06,"sentiment":"positive","sentiment_score":0.6915090829133987}],"sentiment":"positive","sentiment_score":0.6915090829133987,"channel":1,"num_words":4,"start":2680.42,"end":2681.06},{"sentences":[{"text":"Mhmm.","start":2680.95,"end":2681.45,"sentiment":"positive","sentiment_score":0.5401600003242493}],"sentiment":"positive","sentiment_score":0.5401600003242493,"channel":0,"num_words":1,"start":2680.95,"end":2681.45},{"sentences":[{"text":"day too.","start":2681.06,"end":2681.793,"sentiment":"positive","sentiment_score":0.5417273938655853}],"sentiment":"positive","sentiment_score":0.5417273938655853,"channel":1,"num_words":2,"start":2681.06,"end":2681.793},{"sentences":[{"text":"Thank you.","start":2682.23,"end":2683.1301,"sentiment":"positive","sentiment_score":0.6207502484321594}],"sentiment":"positive","sentiment_score":0.6207502484321594,"channel":0,"num_words":2,"start":2682.23,"end":2683.1301},{"sentences":[{"text":"Alright.","start":2683.233,"end":2683.733,"sentiment":"neutral","sentiment_score":0.3206113576889038}],"sentiment":"neutral","sentiment_score":0.3206113576889038,"channel":1,"num_words":1,"start":2683.233,"end":2683.733},{"sentences":[{"text":"Bye.","start":2683.67,"end":2684.17,"sentiment":"neutral","sentiment_score":0.24036061763763428}],"sentiment":"neutral","sentiment_score":0.24036061763763428,"channel":0,"num_words":1,"start":2683.67,"end":2684.17},{"sentences":[{"text":"Bye for now.","start":2683.793,"end":2684.613,"sentiment":"neutral","sentiment_score":0.15817627807458243}],"sentiment":"neutral","sentiment_score":0.15817627807458243,"channel":1,"num_words":3,"start":2683.793,"end":2684.613},{"sentences":[{"text":"Bye.","start":2685.19,"end":2685.69,"sentiment":"neutral","sentiment_score":0.12891748547554016}],"sentiment":"neutral","sentiment_score":0.12891748547554016,"channel":0,"num_words":1,"start":2685.19,"end":2685.69},{"sentences":[{"text":"Bye.","start":2685.313,"end":2685.813,"sentiment":"neutral","sentiment_score":-0.11183743178844452}],"sentiment":"neutral","sentiment_score":-0.11183743178844452,"channel":1,"num_words":1,"start":2685.313,"end":2685.813}]},"summary":{"result":"success","short":"The representative from Financial confirms the customer's annual review and suggests a portfolio review, recommend a 12-month performance, and emphasizes the importance of maintaining a stable income and avoiding fluctuations in the market. They discuss the risk profile and retirement goals for the customer, and provide advice on managing risk and adjusting risk levels. The agent updates personal information and confirms employment details, and suggests a compassionate release of superannences to cover expenses and allow for a research session. The customer is advised to use their Super to cover any expenses and is given a time and available for the session."},"intents":{"segments":[{"text":"Not really.","start_word":211,"end_word":212,"intents":[{"intent":"Check situation on super","confidence_score":1.7210654e-7}]},{"text":"Is that working okay for you? When did you send it?","start_word":390,"end_word":400,"intents":[{"intent":"Confirm identity","confidence_score":0.011208994}]},{"text":"When did you send it?","start_word":396,"end_word":400,"intents":[{"intent":"Verify email","confidence_score":0.034168568}]},{"text":"So I've got the summary of superannuation of the June 9. Yes. Perfect.","start_word":510,"end_word":522,"intents":[{"intent":"Provide summary","confidence_score":0.39513618}]},{"text":"Now underneath that, you can see your ClearView insurances. So you have life and total permanent disability insurance of $689,474. Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them? No.","start_word":570,"end_word":617,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.026466964},{"intent":"Verify insurance coverage","confidence_score":0.002004999}]},{"text":"I'm happy with Nope. that. Great.","start_word":618,"end_word":623,"intents":[{"intent":"Express satisfaction with insurance coverage","confidence_score":0.011100435}]},{"text":"So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment.","start_word":776,"end_word":810,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.0072181867}]},{"text":"So the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US. So, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market.","start_word":811,"end_word":862,"intents":[{"intent":"Go through market fluctuations","confidence_score":0.06402808}]},{"text":"Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance.","start_word":962,"end_word":1003,"intents":[{"intent":"Scroll to document","confidence_score":0.118990436}]},{"text":"Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance. So can you see where I'm at at the moment? Let's go.","start_word":962,"end_word":1015,"intents":[{"intent":"Check portfolio performance","confidence_score":0.050652467}]},{"text":"Now if you look on the second column to the right, it should say internal rate of return. Can you see that okay?","start_word":1026,"end_word":1048,"intents":[{"intent":"Confirm internal rate of return","confidence_score":0.037471723}]},{"text":"Now that shows us how your investments alone have performed over the last twelve months. So when we are looking at a twelve month period, and then this is all after fees.","start_word":1109,"end_word":1140,"intents":[{"intent":"Analyze investments","confidence_score":0.41434714}]},{"text":"We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market.","start_word":1496,"end_word":1551,"intents":[{"intent":"Reassess investments","confidence_score":0.35568964},{"intent":"Conduct research","confidence_score":0.042684004}]},{"text":"So with your Benelung investment, that one here recently has underperformed a little bit. So before, it was one of the, best performing fund managers. They were doing really well. But more recently, they've been a little bit slower in making their investment decision.","start_word":1551,"end_word":1594,"intents":[{"intent":"Discuss investments","confidence_score":0.0000707071}]},{"text":"And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation? I wish I could.","start_word":1908,"end_word":1944,"intents":[{"intent":"Calculate retirement horizon","confidence_score":8.501262e-7}]},{"text":"And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":2247,"end_word":2289,"intents":[{"intent":"Discuss portfolio value","confidence_score":0.013546642}]},{"text":"Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets.","start_word":2729,"end_word":2769,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.024596885}]},{"text":"Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio?","start_word":3057,"end_word":3091,"intents":[{"intent":"Maintain high risk","confidence_score":0.47022337},{"intent":"Decline risk exposure","confidence_score":0.00082812336}]},{"text":"Now I'll still go and review your investments, like I said, just to see if we wanna make any changes.","start_word":3103,"end_word":3122,"intents":[{"intent":"Review investments","confidence_score":0.94308853},{"intent":"Review investments","confidence_score":0.9111046},{"intent":"Review investments","confidence_score":0.59491694},{"intent":"Review investments","confidence_score":0.5191217}]},{"text":"Yep.","start_word":3231,"end_word":3231,"intents":[{"intent":"Confirm understanding","confidence_score":0.0021403404}]},{"text":"Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially. Okay.","start_word":3253,"end_word":3283,"intents":[{"intent":"Break down insurances","confidence_score":0.06793169}]},{"text":"All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time.","start_word":3703,"end_word":3737,"intents":[{"intent":"Provide documents","confidence_score":0.00047919728}]},{"text":"Now just for our records, I can still change your last name that we have on file, though, for you. So Mhmm.","start_word":4161,"end_word":4182,"intents":[{"intent":"Update name","confidence_score":0.08722209}]},{"text":"Now what is his best contact name, please? A contact number. Sorry.","start_word":4254,"end_word":4265,"intents":[{"intent":"Update contact information","confidence_score":0.42872107}]},{"text":"Now employment wise, has any of that changed in the last twelve months?","start_word":4283,"end_word":4295,"intents":[{"intent":"Update employment","confidence_score":0.11076851}]},{"text":"And I have income at about 80,000. Has that changed at all? Yeah.","start_word":4313,"end_word":4325,"intents":[{"intent":"Update earnings","confidence_score":0.00075065484}]},{"text":"And I have here as well that your employer pays the standard 12% contribution into superannuation. Like, there's no special enterprise bargaining agreement or anything like that. Is that correct? Yeah.","start_word":4339,"end_word":4369,"intents":[{"intent":"Confirm employer contribution","confidence_score":0.05042301}]},{"text":"in mortgage interest keeps going up. So I it's just impossible, but Yeah.","start_word":4420,"end_word":4432,"intents":[{"intent":"Adjust mortgage interest","confidence_score":0.03692949}]},{"text":"And even, like, just grocery shopping, what's getting takeaway coffee, anything like that, well, it's just going up.","start_word":4433,"end_word":4450,"intents":[{"intent":"Increase grocery shopping","confidence_score":0.20089813},{"intent":"Purchase takeaway coffee","confidence_score":0.012045871}]},{"text":"And have you had any significant health issues or injuries at all in the last twelve months? None. No?","start_word":4609,"end_word":4627,"intents":[{"intent":"Determine age and financial circumstances","confidence_score":1.0660272e-8}]},{"text":"I do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria. And I wanna Yes.","start_word":4830,"end_word":4858,"intents":[{"intent":"Check and adjust nomination","confidence_score":0.000024118848}]},{"text":"I can get it printed. Yeah. Print it? Okay.","start_word":4975,"end_word":4983,"intents":[{"intent":"Print nomination","confidence_score":0.14973852}]},{"text":"So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter. And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish.","start_word":4984,"end_word":5057,"intents":[{"intent":"Upload to clearview","confidence_score":0.01591957}]},{"text":"So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track. Is that still kind of the plan for you guys? Yeah.","start_word":5117,"end_word":5154,"intents":[{"intent":"Discuss future goals","confidence_score":0.0005449529}]},{"text":"Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband. Yep.","start_word":5179,"end_word":5202,"intents":[{"intent":"Start investment property process","confidence_score":0.00160904}]},{"text":"Do you know anything about, you know, the fees or anything like that as of yet? Yeah.","start_word":5527,"end_word":5543,"intents":[{"intent":"Obtain fees","confidence_score":0.0007299625}]},{"text":"to cover the fees and stuff like that.","start_word":5646,"end_word":5653,"intents":[{"intent":"Cover expenses","confidence_score":0.007959169}]},{"text":"And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you?","start_word":6059,"end_word":6100,"intents":[{"intent":"Book appointment","confidence_score":0.23965351}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. This is Veronica from Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.2457314431667328},{"text":"I'm good. Thank you. I had you booked in this morning to go over your annual review. Is now still a good time for you?","start_word":11,"end_word":35,"sentiment":"positive","sentiment_score":0.4499742090702057},{"text":"Yep. Yep.","start_word":36,"end_word":37,"sentiment":"neutral","sentiment_score":0.11658315360546112},{"text":"Perfect.","start_word":38,"end_word":38,"sentiment":"positive","sentiment_score":0.3704743683338166},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. Yep. Perfect. And just for security purposes, just so that I can confirm I am speaking with a right person, could I please get you to confirm your full name, date of birth, and address, please? Yeah. Really. Twenty six again eighty four, and the address Yep. is 32 Arlington Parkway, New Collin. Yep.","start_word":39,"end_word":124,"sentiment":"neutral","sentiment_score":0.07413416355848312},{"text":"Perfect. That's exactly what I have here.","start_word":125,"end_word":131,"sentiment":"positive","sentiment_score":0.4536116421222687},{"text":"How's your morning been so far? Been busy? Yeah. That's in Yeah. in the Yeah. Well, I will try not to keep you for year. too long. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any particular questions that you might have or whether it's just a bit of a catch up and see where everything's at? Not really. I just need to check. Like, I mean, for some reason, my I've noticed that my super hasn't really moved in the last since, like, mid year last year. Like, it's like, it got stuck around the 80 mark, and then now it may just move up to 90. So I don't know if there's any reason specific reasons for that, but I just need to understand if that's if there's any, yeah, if there's any really reason behind it. Yeah. And that is a very good question. Now do you have access to your emails at the moment? Because I have sent you some documents, and one of those documents gives you a portfolio review of the last twelve months. So while I go through it, do you have access to your emails at the moment? Yeah. Yep. Perfect. Now did you receive my email okay? Hold on. Sure. And we have recently changed our software as well, so it could end up in the spam folder as well. Hang on just one sec. Yeah. Sure. Is that working okay for you? When did you send it? Just as I just as you answered the phone for about four minutes ago. Oh, I'm looking at the wrong email. No. That's okay. Not yet. Yeah.","start_word":132,"end_word":427,"sentiment":"neutral","sentiment_score":-0.04663723616583927},{"text":"Perfect.","start_word":428,"end_word":428,"sentiment":"positive","sentiment_score":0.34366506338119507},{"text":"So if you can click on the link for me, it will say sign now, but it will allow you to open up and view all the documents first before it prompts you to sign anything. Okay. Yep. Yep. Okay.","start_word":429,"end_word":468,"sentiment":"neutral","sentiment_score":0.1902032047510147},{"text":"Perfect. Now to make it easy for you, if you wanna let me know the order of the documents that you have, then I can go through it that way first.","start_word":469,"end_word":499,"sentiment":"positive","sentiment_score":0.35920268297195435},{"text":"So if you're having to scroll back and forth. Okay. So I've got the summary of superannuation of the June 9. Yes.","start_word":500,"end_word":521,"sentiment":"neutral","sentiment_score":0.1241733580827713},{"text":"Perfect.","start_word":522,"end_word":522,"sentiment":"positive","sentiment_score":0.36123818159103394},{"text":"So that one here gives you a breakdown of your current situation. So you can see here that you have your superannuation with hub twenty four, and you can see that as of yesterday when we prepared these documents, your super balance was up at $98,562. Okay. Now underneath that, you can see your ClearView insurances. So you have life and total permanent disability insurance of $689,474. Now for your life and total permanent disability insurance, are you happy with that level of cover, or would you want to make any changes through them? No. I'm happy with Nope. that.","start_word":523,"end_word":622,"sentiment":"neutral","sentiment_score":0.0862075686454773},{"text":"Great. Perfect.","start_word":623,"end_word":624,"sentiment":"positive","sentiment_score":0.378509521484375},{"text":"You also have an income protection policy as well, and that will pay you a monthly amount of $5,362 per month. You have a sixty day waiting period and a five year benefit period. All those three are paid from within hub 24, so you don't pay for them out of pocket. You do get a 15% tax rebate. So after that, it is $1,419. You happy with your income protection as well? Yep. Yeah. Perfect. And I can see here that you don't have trauma insurance. You're still happy to not have trauma insurance? I don't have what insurance? Trauma insurance? Gosh.","start_word":625,"end_word":727,"sentiment":"neutral","sentiment_score":0.13360655307769775},{"text":"I'm happy to leave Yes. Yeah. Okay. Perfect. It is something I do just need to triple check, it. so that is good.","start_word":728,"end_word":750,"sentiment":"positive","sentiment_score":0.48980534076690674},{"text":"We will leave trauma insurance Yeah. out for you. Now the next document, what is that one you can see? Performance with IRM. Yes.","start_word":751,"end_word":774,"sentiment":"neutral","sentiment_score":0.07786843180656433},{"text":"Perfect.","start_word":775,"end_word":775,"sentiment":"positive","sentiment_score":0.36136144399642944},{"text":"So that one here breaks down your portfolio in a bit more detail, and we'll kind of go through as well the question that you have in regards to your superannuation, especially with the investment. So the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've probably heard on the news and everything, but, obviously, everything going on in The US. So, obviously, with Trump and Harris and everything did see quite a bit of fluctuations in the market. And, obviously, more recently with everything going on with the war as well, we have seen quite a bit of movement as a result of all of that as well. Now that is quite natural with what is going on in the market. And over time, you will have period, especially because you are in a high growth portfolio at the moment, that there will be time when the market fluctuates a little bit. You will see a bit of fluctuations in your superannuation. But long term, the goal is to try to grow that as much as possible. Now in saying that, though, that even though the last twelve months have been a little bit more turbulent, you can actually see here that if you scroll to page two of this document, it does show you the total portfolio performance. So can you see where I'm at at the moment? Let's go. The second page? Yeah. Yeah. Correct. That's Yes. yeah. Perfect. Now if you look on the second column to the right, it should say internal rate of return. Can you see that okay? To to the right of the Yes. same page. Correct. So on page two, where it says you will have one line where it says total portfolio, and then you'll have a a bunch of different columns And the second column through, like, the right, almost at the end, it should say total internal rate of return. Yeah. Yeah.","start_word":776,"end_word":1107,"sentiment":"neutral","sentiment_score":0.06673809140920639},{"text":"Perfect. Now that shows us how your investments alone have performed over the last twelve months.","start_word":1108,"end_word":1123,"sentiment":"positive","sentiment_score":0.4416349232196808},{"text":"So when we are looking at a twelve month period, and then this is all after fees.","start_word":1124,"end_word":1140,"sentiment":"neutral","sentiment_score":0.10544689744710922},{"text":"So after all fees have come out of your account, your portfolio has still grown despite the fluctuations in the market by 8.55% in the last twelve months, which we're quite happy with given the market condition. So that is actually a a pretty good outcome for the last twelve months.","start_word":1141,"end_word":1191,"sentiment":"positive","sentiment_score":0.5797617435455322},{"text":"So I know you said, obviously, there will be period of time during the twelve months depending on when you look that things will obviously go up and down, and that's why we like to do a twelve month performance to show you what's happened at the end of the twelve month period. Because on Yes. a daily, everything will fluctuate. Now if you scroll up to the first page, that one here breaks down all your individual investments. So it can look a little bit messy, but you see all your individual investments, how much you have in each investment, but then also how they all have performed. So second column again to the right, you can see the performance on each and every single one of these investments individually. So you can see here that has been a bit of a mixed market. You can see that the one that has the bracket next to it, they are down. The others are doing really well. Are you following where I'm at at the moment? Yep. Yeah.","start_word":1192,"end_word":1369,"sentiment":"neutral","sentiment_score":0.04871614649891853},{"text":"Perfect.","start_word":1370,"end_word":1370,"sentiment":"positive","sentiment_score":0.372639000415802},{"text":"So you can see here that, for example, the Global X battery tech and lithium, obviously, with the fuel prices and everything going on, the demand for electric vehicles have increased.","start_word":1371,"end_word":1401,"sentiment":"neutral","sentiment_score":0.19831328094005585},{"text":"So that one has seen a a bit of a crazy jump. So that one is up by a 111%.","start_word":1402,"end_word":1421,"sentiment":"positive","sentiment_score":0.39802804589271545},{"text":"You can also see that the Asia 50 is up by about 67%, which is pretty crazy. You can see that there is one investment that I would like to review for you, and that is the Benelung Australian Equity, the one all the way at the top. Now this investment here, because the markets and the world are always changing, so it is good for us to, deep dive into your investments. We do research all the time, but it is good to kind of reassess everything every now and then just to see if we need to make any changes to any of the investments and making sure that we always have you in the best position possible depending on what is going on in the market. So with your Benelung investment, that one here recently has underperformed a little bit. So before, it was one of the, best performing fund managers. They were doing really well.","start_word":1422,"end_word":1580,"sentiment":"neutral","sentiment_score":0.2136757587486843},{"text":"But more recently, they've been a little bit slower in making their investment decision.","start_word":1581,"end_word":1594,"sentiment":"negative","sentiment_score":-0.35366562008857727},{"text":"And the investment committee, we do a lot of research all the time. And if we feel like it might not be the best option moving forward or if there are better suitable options for you, we would like to do a bit of research to see if we wanna swap that one for you. Does that all make sense so far? Yep. Yes.","start_word":1595,"end_word":1658,"sentiment":"neutral","sentiment_score":-0.18598505854606628},{"text":"Perfect.","start_word":1659,"end_word":1659,"sentiment":"positive","sentiment_score":0.4442838430404663},{"text":"So if you are happy for me to do so, I would like to do a bit more in-depth research on specifically the Benelon, but also reassess the other investments to see if we need to make any changes.","start_word":1660,"end_word":1698,"sentiment":"neutral","sentiment_score":0.2939833104610443},{"text":"Even though the last twelve months have done pretty good given the market conditions that we are happy with it, we still wanna make sure that moving forward, we have you in the best position for what is going on right now.","start_word":1699,"end_word":1740,"sentiment":"positive","sentiment_score":0.3791014552116394},{"text":"So if you are happy for me to do so, I would like to do a bit more research, put together a proposal for you, go through it together, then you can let me know what you think. Would you be happy with that? Sure. Yep. Perfect. Now do you have any questions so far? No. No. Okay. Now with your portfolio, though, I do wanna make sure as well that we have you in a risk profile that aligns with your risk tolerance and time frame and everything. So what I will do is quickly run through just a bit of a risk profile questionnaire.","start_word":1741,"end_word":1846,"sentiment":"neutral","sentiment_score":0.23082458972930908},{"text":"It is just multiple choice to make it nice and easy for you, and there is no right or wrong answer. It's just whatever you feel is the most appropriate for you.","start_word":1847,"end_word":1878,"sentiment":"positive","sentiment_score":0.35356801748275757},{"text":"And think of this as well as, obviously, your your suit for investment. Okay? Yep. Now have you ever bought direct shares yourself on the stock market? No. No. And when we are talking about a time frame, at the moment, do you know when you think you want to retire or start start drawing a bit of income from your superannuation? I wish I could. Tomorrow if you win the lottery. So with the current legislation, is that the earliest you can access to if you stop working is 60. Now I have here that last time we spoke to you, you said 67. So do you want me to change it to 60 so, you know, if you are in a position to do so at 60, the earliest you'd like to retire? Yeah.","start_word":1879,"end_word":2014,"sentiment":"neutral","sentiment_score":0.021481089752770084},{"text":"Beautiful. Yeah. I think most people are like that. Like, oh, well, if I don't have to, then that would be quite nice to enjoy my retirement.","start_word":2015,"end_word":2041,"sentiment":"positive","sentiment_score":0.5456765294075012},{"text":"And when it comes to an an ideal income, now we have here that last time we spoke to you, you said about a thousand dollars per week drawing from your super would be sufficient. Do you still think that would be achievable with, like, bills and everything, or do you think you'd need to draw a little bit more? I think we'll keep it the same. Keep it the same? Yep.","start_word":2042,"end_word":2113,"sentiment":"neutral","sentiment_score":0.19936996698379517},{"text":"Perfect.","start_word":2114,"end_word":2114,"sentiment":"positive","sentiment_score":0.5536020398139954},{"text":"And often as well, the goal for most people is to make sure that they are debt free so they don't have a mortgage. So then you don't have, obviously, the big expense with the mortgage coming out, and it will be mainly, you know, living expenses or traveling and stuff like that. But most people do say around a thousand dollars, like, just for yourself is quite, like, a standard income. Now when it comes to the level of risk that you are comfortable with in regards to your superannuation to making sure that we can grow it 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? I see small. Small? Okay. And when it comes to volatility, so fluctuations in the market, Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold and wait to see what happens? Or do you think you would want to sell out of the investments and shift through a little bit more defensive asset? I think I'm a bit neutral about it. Neutral? Yep. Just hold for a bit and see Yep. what happens. Yeah. Yep.","start_word":2115,"end_word":2378,"sentiment":"neutral","sentiment_score":-0.008013931526379152},{"text":"Perfect.","start_word":2379,"end_word":2379,"sentiment":"positive","sentiment_score":0.48680010437965393},{"text":"And when it comes to, obviously, fluctuations, so for your superannuation or any assets really, if you ever notice it falling, would you say that you would feel optimistic about potential future investment opportunities, a bit more kind of cautious, not making further investments, concerned, or highly anxious? Cautious. Cautious. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? Not really. No. Would you ever consider taking out a loan to buy an investment property? Potentially. Yeah. Potentially. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which is one step down from the portfolio we currently have you in. Now do you know the difference between a high growth and a growth investor at all? No. No. So, basically, they they are similar in that you are looking at getting as as much growth as you can out of your superannuation while you do have the time and that you are prepared to experience some level of fluctuation in the short term in order to achieve that. Now the difference is when it comes to time frame and asset allocation. So to make it easier, if we go back to the documents in your email, can you see a Vanguard index chart listed there somewhere? Yeah. This is the Yep. fifth patient.","start_word":2380,"end_word":2610,"sentiment":"neutral","sentiment_score":0.009772101417183876},{"text":"Oh, beautiful.","start_word":2611,"end_word":2612,"sentiment":"positive","sentiment_score":0.6035455465316772},{"text":"Now that one here, you may have seen something like this before because Vanguard does release it every financial year, which is great. So it's a bit of an updated version.","start_word":2613,"end_word":2643,"sentiment":"neutral","sentiment_score":0.30949699878692627},{"text":"But that one here gives us a good visual representation of what we are talking about when we are talking about the market.","start_word":2644,"end_word":2666,"sentiment":"positive","sentiment_score":0.3700052499771118},{"text":"And this gives us a bit more of a long term view. So you can see here that it goes from 1995 through to 2025. And you can see that when we are looking long term, a market always goes up. The short term, depending on what is going on in the world, there will be ups and downs in market fluctuations. Now the difference between the two portfolios when we are then talking about the asset allocation is that in a high growth portfolio, that is how you are currently invested, we see 90% invested in what we call your growth assets. Now these are your top four. So that is your US shares. So you can see that kind of light green line. The Australian shares, which is, like, your dark green line. You have international shares, which is your yellow. And then you have your property, which is your kind of maroon color. So these are your growth investments. So you can see here that they grow the most over the long term, but they also fluctuate the most as well. The difference then in a growth portfolio, so the one step down, is that we have about a 10% difference. So we see 80% invested in those top four, and then we have 20 in the bottom three there. So you will have, you know, cash, fixed interest, and then goals can come into it as well. And you can see that these are a little bit they don't grow as much, but they also are a bit more kind of stable. Now when we are then also talking about a time frame, so making sure you have enough time in the market is also important because you can see here that things do fluctuate. In a high growth portfolio, so the way that you are currently invested, we want to allow a minimum of eight years till retirement. In a growth portfolio, we wanna allow at least six years. It's not always just time, though, that comes into play.","start_word":2667,"end_word":3010,"sentiment":"neutral","sentiment_score":0.10858052223920822},{"text":"It's also what you are comfortable with.","start_word":3011,"end_word":3017,"sentiment":"positive","sentiment_score":0.4212755262851715},{"text":"Now the questions that we went through indicate that you are a little bit more defensive than maybe you were last time and that you are maybe leaning more towards your your growth portfolio. But how do you feel? Do you feel like you'd be happy to maintain the high risk, or do you feel like you would like to look at reducing your risk exposure a little bit down to a growth portfolio? I'll maintain the high risk. Maintain the high risk? Okay.","start_word":3018,"end_word":3101,"sentiment":"neutral","sentiment_score":0.05314618721604347},{"text":"Perfect.","start_word":3102,"end_word":3102,"sentiment":"positive","sentiment_score":0.4401876032352447},{"text":"Now I'll still go and review your investments, like I said, just to see if we wanna make any changes. You do have, like I said, the time frame behind you. It will just obviously mean that sometimes depending on what's going on, you'll see a bit of fluctuation. But when we're looking long term, it will in a growth portfolio, you see higher returns in the long term. The short term, a little bit more fluctuations. And you do have that time behind you for the time being anyway to take advantage of those up and down to try and grow it. And then typically, the closer you get to retirement, that's when we then wanna start gradually decreasing that risk exposure. Does that all make sense? Yep. Yep. Perfect. Now what is the next investment sorry. The next document that you have there? Certificate of currency. Yep. Perfect. Now that one here just basically breaks down your clear of your insurances in a bit more detail, but lets you know that's all paid and up to date, essentially. Okay. And what's what's your next one? Financial service guide. Services Yep. Yep. Perfect. So you have kind of threw straight after each other. One is the financial services guide here, which is just kind of a smaller version of three pages. And then the next guide. one is the OQ services guide version one, which is your little bigger document. Can you see that that bigger one as well? Yes. Yep. Perfect. Now, again, you would have seen this one before. It is one of those compliance documents, but it did give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an update through marketing. So you may see a bit of an updated photos.","start_word":3103,"end_word":3414,"sentiment":"neutral","sentiment_score":0.15285393509727258},{"text":"And we've also had a bit of an extension to the team, which is nice.","start_word":3415,"end_word":3429,"sentiment":"positive","sentiment_score":0.5197029113769531},{"text":"Now if you do scroll through this document, and I'll let you have a read over that in your own time. But if you keep on a scroll through this document and you get to page 10, I believe, you should then see a photo of myself there if you do wanna put a face for the boys. Okay. Yep.","start_word":3430,"end_word":3489,"sentiment":"neutral","sentiment_score":0.17928272485733032},{"text":"Perfect.","start_word":3490,"end_word":3490,"sentiment":"positive","sentiment_score":0.4233490824699402},{"text":"Now the next document you should see, is that an ongoing service agreement? Does it say fee consent form hub 24 at the top? Continue ongoing fee arrangement. Yes.","start_word":3491,"end_word":3519,"sentiment":"neutral","sentiment_score":0.08186561614274979},{"text":"Perfect.","start_word":3520,"end_word":3520,"sentiment":"positive","sentiment_score":0.4064261317253113},{"text":"Sorry.","start_word":3521,"end_word":3521,"sentiment":"neutral","sentiment_score":0.2856290936470032},{"text":"This is the one, if you are happy to do so, that it will ask for your signature. And that is just to say that you are happy to stay on as a client.","start_word":3522,"end_word":3555,"sentiment":"positive","sentiment_score":0.4733788073062897},{"text":"Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":3556,"end_word":3608,"sentiment":"neutral","sentiment_score":0.08658134192228317},{"text":"But by signing this, it allows us to maintain your investments and your account and everything for you in the meantime.","start_word":3609,"end_word":3629,"sentiment":"positive","sentiment_score":0.33709585666656494},{"text":"Time. Does that make sense? Yes. Yep. Perfect. And there should be potentially one more after this one. Is that a tax file number opt in form? Option to provide tax file number? It's forcing me to sign first before I can do the next document. Okay. Are you happy to do that? Yep. Like I said, there's no lock in contract or anything like that and no changes to the fee structure. All the documents as well will be saved into your account after if you do wanna go back and have a have a read over them as well when you have a bit more time.","start_word":3630,"end_word":3737,"sentiment":"neutral","sentiment_score":0.1105569526553154},{"text":"Or if you can't access them, you can always let me know, and I'm more than welcome to I'm more than happy to email you them as well because we always have everything on file for you.","start_word":3738,"end_word":3774,"sentiment":"positive","sentiment_score":0.4155342280864715},{"text":"Option to provide a phone number. Yep. So that one here, it is just another compliance form that I will ask you to add a signature for.","start_word":3775,"end_word":3801,"sentiment":"neutral","sentiment_score":0.25427605046166313},{"text":"And, basically, it just says that we are keeping your tax phone number secure and safe on file for you.","start_word":3802,"end_word":3821,"sentiment":"positive","sentiment_score":0.3880404531955719},{"text":"Okay. And once you've added those two signature, it should say validate, I believe. Yeah. There's Yep. And then it should have probably a little, like, cogwheel to load, and then something that right will now. send it through to myself, and I can get that all loaded on your account. K.","start_word":3822,"end_word":3873,"sentiment":"neutral","sentiment_score":0.2702699899673462},{"text":"Perfect.","start_word":3874,"end_word":3874,"sentiment":"positive","sentiment_score":0.6228699684143066},{"text":"While I wait for that one to come through, what I will do is just go to go through just a little bit of an updated fact find with you there as well just to see if there is anything else that has changed in in your life, if we need to make any other changes to your advice at all. So kind of bear with me as I go through this information. Now when it comes to your personal information, I have you down here as married. That's still the case? Yeah. Yep.","start_word":3875,"end_word":3968,"sentiment":"neutral","sentiment_score":0.19446907937526703},{"text":"Beautiful.","start_word":3969,"end_word":3969,"sentiment":"positive","sentiment_score":0.567383348941803},{"text":"And do you have any financial dependents at home? No. No. And I don't have a next stop keen on file for you. So that it can be anybody, and that is just someone that in the event that we, for some reason, cannot get in touch with you, someone that we can contact. Who would you like that person to be? Probably my husband. Yep.","start_word":3970,"end_word":4035,"sentiment":"neutral","sentiment_score":-0.0935547947883606},{"text":"Perfect.","start_word":4036,"end_word":4036,"sentiment":"positive","sentiment_score":0.33613526821136475},{"text":"And what's his name, please? Oh, CN. Yep. Perfect. It's the same last name as you? No. That's I need to I need to update my last name. Okay. Perfect. Do you have, like, a change of name form and updated ID or I've not yet? got my yeah. I've got my Australian passport changed. Mhmm. New surname. Yep. So how do I get that to you? Yep. So what I will do after the call is that I will get my colleague, Whitlam, who does all the administration for me, to send you an email because what we can do is we can then get your name changed with Hub twenty four and Clearview to make sure we have all of that updated. Now just for our records, I can still change your last name that we have on file, though, for you. So Mhmm. what's your new last name? Nexa, n for Nelly, e for echo, x for X-ray, h for hotel, a for alpha. Perfect. And is that the same last name as your husband? Yeah. Yeah. Okay. Perfect. Now I'll update our records, but like I said, I will get my colleague, Whitlam, to send you the forms of what is required for changing it with HUB twenty four and your ClearView insurances. Now what is his best contact name, please? A contact number. Sorry. Number 0410 One zero. Yep. 936 Nine three six. Yep. 252. 252. Beautiful.","start_word":4037,"end_word":4278,"sentiment":"neutral","sentiment_score":0.05225858055363017},{"text":"Thank you so much.","start_word":4279,"end_word":4282,"sentiment":"positive","sentiment_score":0.5699745416641235},{"text":"Now employment wise, has any of that changed in the last twelve months? Are you still a operations manager? Yeah. Yep. Perfect. Still working full time as well? Yep. Perfect. And I have income at about 80,000. Has that changed at all? Yeah. I think I think it's the same. It's about the same? Okay. Yep. And I have here as well that your employer pays the standard 12% contribution into superannuation. Like, there's no special enterprise bargaining agreement or anything like that. Is that correct? Yeah. Yep. Perfect. And I have here as well that you guys save about $50 per week. Is that still the case as well, or has that changed with living expenses and everything going up? We're trying to Yeah. it was Yeah. a bit longer. Oh my gosh. The fluctuation Yeah. in mortgage interest keeps going up. So I it's just impossible, but Yeah. And even, like, just grocery shopping, what's getting takeaway coffee, anything like that, well, it's just going up. So, yeah, a lot of people are very much in the same boat. Yeah. Now asset wise, I have here that your property was last died at about 1,000,000. Is that still the case, or do you know if that went up a little bit? I haven't really done it, but I think it's $8.40. About $8.40? Yeah. Okay.","start_word":4283,"end_word":4509,"sentiment":"neutral","sentiment_score":-0.01236696935172648},{"text":"Perfect.","start_word":4510,"end_word":4510,"sentiment":"positive","sentiment_score":0.3809600472450256},{"text":"And I have mortgage at around 500. Yeah. Let's put Yep. Owen. Yes. What's Yeah. owing? About 500? Yeah. Yep. Perfect. Do you have a motor vehicle or a boat or bike or anything like that? No. Nope. And I have here liabilities, a personal loan of about 30,000. Is that still the case as well? Yeah. Yep. Perfect. Any other new assets or liabilities we haven't gone through in the last twelve months? No. No. Great. And health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Yep.","start_word":4511,"end_word":4607,"sentiment":"neutral","sentiment_score":0.01915486715734005},{"text":"Beautiful.","start_word":4608,"end_word":4608,"sentiment":"positive","sentiment_score":0.38165831565856934},{"text":"And have you had any significant health issues or injuries at all in the last twelve months? None. No? Okay. Do you take any medications or anything? None. No. Perfect. And do you have private health insurance? Yep. Yep. Now estate planning wise, do you have a will or power of attorney in place or anyone who makes any financial decisions on your behalf? Not gonna no. No. Perfect. And when it comes to your super and your insurances, so for your superannuation, I do currently have two nominations on file. 50% going through your husband and then 50% through another person, and it says they're interdependent relationship. Do you know who that person is? Yeah. Yeah. And what are their relationship to yourself? She's my mom. Your mom. And with your mom, because there are quite tight restrict restrictions on who you can actually nominate directly through superannuation as a valid nomination. So with your mom, does she live with you guys? Yep. Yeah. Okay. And does she kind of rely on you guys a little bit financially for suit support or domestic support or anything like that? Yeah. Yep. Okay.","start_word":4609,"end_word":4800,"sentiment":"neutral","sentiment_score":-0.01711067386592428},{"text":"Perfect. That that is good because that means that she is having that interdependency relationship that you note noted on the form is correct. So so that is good.","start_word":4801,"end_word":4829,"sentiment":"positive","sentiment_score":0.5982204079627991},{"text":"I do like to check because sometimes people put, like, a sibling or a cousin or nephew and niece that don't fall into those criteria. And I wanna Yes. make sure that we have the right nomination.","start_word":4830,"end_word":4866,"sentiment":"neutral","sentiment_score":0.08406144380569458},{"text":"So you have done everything perfectly, which is great.","start_word":4867,"end_word":4875,"sentiment":"positive","sentiment_score":0.6893764138221741},{"text":"Now for your insurances, though, we don't have a nomination on file. So we have it for your super, but not for your Clearview insurances. So would you like it to be the same split, or do you want it anything differently? I'll just put down my husband's for now. Yep. Now because it is making a legal nomination, so same as what you had to do for your superannuation forms, they do have to be wet signed and witnessed. So do you have access to a printer, or do you prefer that to be posted out to you? I can get it printed. Yeah. Print it? Okay. So what I'll do is I will get the team to email you a copy of that Clearview beneficiary form along with a cover letter. And then when you have a moment, just have a print that out for me and complete it and send it back, and then I'll make sure we upload that to Clearview just to make sure if something ever were to happen, it will go as per your wish. Now the last thing is when it comes to your other goals, the stuff that you are working towards or that you are wanting to achieve, usually, it's a good time during interview time to check-in to be like, what was my last goal? How am I going with that? Is still still the case, or has anything changed? So for your kind of long to medium term goal, I have here that you might want to look at buying an investment property down the track. Is that still kind of the plan for you guys? Yeah. Yep. Is there anything else that you are working towards that you are wanting to achieve or that you need assistance with at all? Before the investment property, I'm trying to get my name out of the current mortgage and get my own place with my husband. Yep. But that's working in progress at the moment. And then once it's my name is from is released from this mortgage, and we're looking at getting our own place. But then, yeah, maybe two years Yep. from then, get an investment property, I guess. But, yeah, that's basically what I'm working towards at the moment. Yes.","start_word":4876,"end_word":5258,"sentiment":"neutral","sentiment_score":0.06806697253886776},{"text":"Beautiful. And That also sounds good.","start_word":5259,"end_word":5264,"sentiment":"positive","sentiment_score":0.5311442017555237},{"text":"Mhmm. with considering going through IVF, I don't know if Yeah. that's that can be considered, I guess, as part of Yes. the okay. Is that something that we could do potentially use our Super on? There are some options for when it comes through IVF, and it comes through your superannuation, especially because it can be for for medical treatment. So they are quite strict on what you can actually use your superannuation for because it is obviously designed for your retirement. Now aside from, obviously, why you are under 60 and working, they are quite strict, but there are basically two ways you can access super. One would be under financial hardship, which would basically mean that you're on Centrelink for twenty six weeks and can't meet your bills and expenses. The other one is for something that's called compassionate release of superannuation, which will be more applicable for you in this instance, which allows you to withdraw a lump sum to pay for medical expenses, medication, or hospital fees if you can't afford them through other means. Now Okay. the they have included that the IVF is one of those options that you can potentially utilize it for if you guys, you know, obviously struggle and and Yep. can't meet the expenses. Is that something you guys are looking at quite soon, or do you know time frame lives at all? Yeah. Soon. Like, very soon. Yes. Yeah. Yeah. And do you think you would like to start that process? Like, have you guys had an an appointment? Do you know anything about, you know, the fees or anything like that as of yet? Yeah. We did get some documentations from them around the fees involved, Yep. and it's it's a pretty it's pretty intense. Yeah. Yeah. I have a lot of friends who's who's going through it as well. Yeah. But it's it's quite intense looking Yep. at the the structure and and the cost involved to get it all done and stuff like that. But, yeah, Yep. it's it's just that it's just in case we're not able to Okay. fund, but I think, yeah, it's good to know if there's, like, another another option other than Yes. just, you know, out of pocket to Yeah. to cover the fees and stuff like that. Yeah. Yes. Yes. So if it is that you decide that, obviously, expenses wise, it it does get very expensive, and you need or want to access some of your super to help pay for, the bills and stuff like that, just let me know. Just send me an email or or give me a call, because what I will do then is I will get our claims team to get in touch with you, and they can then help you through the process of looking at that compassionate release of super to cover any potential expenses. So you just let me know if that is something that you want to explore or go down, and then I will get the claims team onto that for you. Okay. Cool.","start_word":5265,"end_word":5782,"sentiment":"neutral","sentiment_score":0.007008517477445621},{"text":"Yep. Perfect.","start_word":5783,"end_word":5784,"sentiment":"positive","sentiment_score":0.44989481568336487},{"text":"So, yeah, just just let me know how it all goes. But, yeah, that is I'm glad you asked because often people don't think you can access Yeah. super for that. Yeah.","start_word":5785,"end_word":5816,"sentiment":"neutral","sentiment_score":0.2602999210357666},{"text":"So I'm I'm very glad you did ask.","start_word":5817,"end_word":5824,"sentiment":"positive","sentiment_score":0.5645315647125244},{"text":"At least like you said, you'd know that there is a potential other option if Yeah. it needs needs be. Yeah.","start_word":5825,"end_word":5845,"sentiment":"neutral","sentiment_score":0.16716833412647247},{"text":"So so that is good.","start_word":5846,"end_word":5850,"sentiment":"positive","sentiment_score":0.5094634294509888},{"text":"I'll make a little note here as well just that we are aware that that might be a a situation for you. Okay. But is there anything else otherwise so that's kind of, obviously, keeping you guys a little bit occupied? Yeah. Yeah. Just with the beneficiary, I guess, and the service fund allocation, Is it something you can change, like, the percentage to sixty forty or maybe seventy thirty? I don't know. Yeah. You definitely can. But because it is a legal nomination, again, you would just have you would just have to change the forms yourself because it is a legal change. Okay. But what I can do, because we're already emailing you the Clearview forms, I will get the team to include your hub 24 for you. That Yeah. way you have the forms if you would like to change it, and you can change the percentage to whatever you want. Okay.","start_word":5851,"end_word":6005,"sentiment":"neutral","sentiment_score":0.0744049507764078},{"text":"Cool. Yeah. Yep. Perfect. Now do you have any other questions for me otherwise before I kind of let you go and enjoy the rest of your day?","start_word":6006,"end_word":6033,"sentiment":"positive","sentiment_score":0.551393985748291},{"text":"Not that I can think of at the moment. Yes. But, yeah, I'll I'll reach out if I do have any other questions. Please do. And just so while I do have you on the phone, just so I can book in a time for us to go through the research there on your, potential changes to your super investments, when is a good time for you? Now it will take me about a week to put it all together. So do you have any availability at the, like, Wednesday, Thursday next week, or the following week, or what's that looking like for you? I can do a Friday next week. But I don't work on Fridays, unfortunately. Oh, okay. I do late days on Thursdays if during the day is tricky for you. Otherwise, if you wanted, like, a Monday afternoon, I could do I am fully booked next Monday, but I could do Monday the twenty second, like, 04:30, if that would work. Yeah. Maybe. Do you want me to tentatively book that in? Or I'll book Yeah. Maybe Yep. yeah. It's Okay. put in the the twenty second. I'll book it in on Monday, June 22 at 04:30. But if anything does change for you and you can't make it, just let me know, and we can definitely reschedule that for you. Okay.","start_word":6034,"end_word":6259,"sentiment":"neutral","sentiment_score":0.052974354376835106},{"text":"Cool. Okay. Beautiful. Well, thank you so much for your time today. It was lovely speaking with you. Like I said, I'll get the team to email those couple of things for you, and I will give you a call if I don't hear from you, on Monday, the twenty second at 04:30 to go over those research.","start_word":6260,"end_word":6317,"sentiment":"positive","sentiment_score":0.5179542303085327},{"text":"And like I said, if you ever need to explore the IVF a little bit more, just let me know, and I'll get to the team straight on that for you.","start_word":6318,"end_word":6348,"sentiment":"neutral","sentiment_score":0.31272220611572266},{"text":"Alright. Thank you very much. Yep. No problem at all. You enjoy the rest of your day, and I look forward to speaking with you on the twenty second. You have a good Mhmm. day too. Thank you.","start_word":6349,"end_word":6386,"sentiment":"positive","sentiment_score":0.6913701891899109},{"text":"Alright. Bye. Bye for now. Bye. Bye.","start_word":6387,"end_word":6393,"sentiment":"neutral","sentiment_score":0.1915893107652664}],"average":{"sentiment":"neutral","sentiment_score":0.1074673487226154}}}}