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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. Yep. Perfect. And I do have a password on file as well. Just for security, do you know what that might be? Yep. Perfect. And how's your day been so far? I've been busy. Oh, well, that's good. Well, I will try not to keep you for too long, Anthony. But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's at? Yep. Alright. Yep. Yep. Okay. Perfect. And do you know how far away everything is settled? Okay. No worries. Obviously, when when things are a bit more sure of what's happening, just let us know, and then we can obviously guide you through the process. And then if we need to make any, you know, tweaks or changes to anything depending, obviously, the the outcome. Yep. Perfect. Now in the meantime, though, I do wanna make sure that we have everything correct for you. So next up, Ken. At the moment, I have a Crystal nominated. Is that still the case, or do you wanna nominate someone else? Mhmm. Yeah. And next up can can literally be anybody. It is it's not someone that gets access to anything. It is just someone that if, for some reason, we cannot get in touch with you at all, it is just someone we can call just to make sure that you're okay. So that can be anyone. Alright. Okay. Yeah. And her her name, please? Perfect. And same last name as you? Yes. Perfect. And best contact number? Yep. Two eight nine. Yep. 433. Beautiful. Thank you so much. Now I do wanna just kind of go through a bit of a fact find just to see if there's anything else that's kind of changed. And, obviously, I understand if if assets and stuff are kind of up in the air at the moment. Is that something you have settled on? Do you know are you keeping the property? Do you know what's happening with the assets? Mhmm. Okay. Yep. And do you know if, obviously, when you sell the property, will you just kind of split that between the two of you? Yep. Okay. And do you have, like, a lawyer or someone to assist you through this process? Okay. Okay. Okay. No. That's good. Yeah. Okay. Perfect. Now that is good. Otherwise, are you, for the time being, still at the same address, the 7 McIntyre Circuit, or do you have another postal address? Okay. And do you would you like me to let me just check that we haven't already updated that. The 61 Lincoln Parkway, is that the the right yeah. Alright. So if if we need to post anything through you, you're happy for it to be sent to that address? Yeah. Okay. Perfect. Employment what? Yeah. You can. Yeah. 6190. Yep. And is there an address and stuff with a 2? Okay. That's okay. Otherwise, do you have access to your printer at all? Yes. Okay. Because what we can even do in, like, in the meantime for you is that anything we do need to post that, which usually isn't too many things, we could just email it through you right now. That way, you will get it. And then when you have a moment, you can obviously print. If it needs to be wet signed by pen, you can just print it and then scan it and send it back, if that would be a bit easier for the time being. Yep. Okay. Perfect. Otherwise, when it comes to your employment, has any of that changed, or are you still not so still working as a track maintainer? Yep. Beautiful. And income I have at around a 110,000. Is that still the case? Yep. Perfect. And they just pay you that standard 12% contribution into super. Right? Like, there's no additional yep. Perfect. Just like this then. Yeah. Do they have, like, an an EBA or anything like that? Like, they would just pay you the standard rates? Yep. Perfect. Yeah. Yeah. And that's how you get paid as well? Yeah. Yes. Okay. Yeah. And with the 200 salary sacrifice that you do sorry. Did you say that was per week or fortnight? Yeah. Yeah. Perfect. And are you maintaining that at the moment? Yep. Okay. Perfect. With the motor vehicle, is that also something you guys are splitting, or is that one yours, the one for 28,000? Okay. That one's completely yours. Yep. Perfect. And you don't have anything owing on that one, do you? No. Okay. Beautiful. Any other assets in your name otherwise that we haven't kind of gone through? No. Okay. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any significant health issues or injuries or any changes to anything in the last twelve months? No. Okay. Perfect. And do you have private health insurance? Yep. Now with contrib with the beneficiary forms into superannuation as well, when it comes to your hub twenty four, we do have your three children nominated, Saharla, Mackenzie, and Remi. That's still the case? Yep. Beautiful. It does look like on, we still have Crystal nominated. Would you like us to send you forms to get that updated as well? Yep. Alright. I will get the team to email you those forms. That is one that has to be printed and web signed. And then when you have a moment, just scan it and send it back, and we'll get that sorted with Cbus for you. Perfect. Otherwise, usually, during annual review, it's a good time to kind of touch base and see what your goals are, what you're working towards, or kind of the next focus for the next twelve months. But, obviously, right now, I understand it's kind of probably a little bit up in the air with everything. Is there anything specific you are working towards, or is it all kind of just pending until everything's finalized? Yeah. Yeah. Yes. And are you planning on buying something yourself? Yeah. Okay. Great. And when it comes to superannuation as well, so how your money is currently invested in, We have you at the moment invested in a balanced growth portfolio. And I know fairly recently at the end of last year, you kinda went through a pretty extensive research process with my colleague, Kyle, and that you did came out as that balanced growth in the rest of do you remember that? Yep. Beautiful. Has your risk tolerance or how you feel about market fluctuations or anything changed, or would you say it's pretty much the same? Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Perfect. Yeah. And that sounds like a pretty good plan as well. And and where things are at the moment, like, it is that balanced growth where, yes, you do have a bit of that conservative element, but it is about 30 in your defensive. You still have that 70% in growth, so it is still giving you a bit of growth, but, obviously, a little bit more defensive approach. Now would you like me to add a add a reminder to kind of touch base at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up? What would you prefer? Yep. Yes. Yes. Yeah. Alright. Perfect. We'll put a little reminder for kind of maybe first week of December. And then if yeah. Exactly like you said, if things do settled earlier, just give us a call or send me an email, and we can then definitely have a catch up as soon as everything kind of settled for you. Yep. Perfect. Now, Anthony, do you have access to your emails at the moment? Yep. Okay. So I have to send you an email with a couple of documents to go through if you can access that for me. Now we have recently changed software as well, so it might look a little bit different to what you are used to. It is kind of the same function where there should be an email directly from me, Veronica, and it will ask you to click on a link to sign. It will allow you to open up and look at all the documents first, though, before it would prompt you to sign anything just to make sure you're happy with everything first. Now can you see the first one there where it says super and insurance summary? Yep. So if you click on that link, it should then the next page allow you to look at everything first. Yeah. So can you see where does the first thing you look at say super summary of superannuation and insurances? Yeah. Okay. Perfect. So you have majority of your super in Hub 24. You then also have a little bit in, which is where you have your insurances. Now the balance might be a little bit different because the the research we have is a little bit outdated because when we try to call CBAS through to do the research, they said that the addresses didn't match because we've just updated that for you. So we've just contacted them with your old address just for security verification and just waiting on them to kind of approve that before we can get some updated research. So if you have access to your SEVA, it might be a little bit different than that 16800And25 because that's where you do have your contributions going. Does that make sense? Yep. Yep. And then you do have a little bit of insurances. Now it could change slightly to this figure here as well because this is the last we have, but you'll have life and total permanent disability. So life at around that 322 and total permanent disability of around two hundred and seventy. We should hear back from CBA in the next couple of weeks, hopefully, within seven days or so. And if it is much different, we can always send you a rundown if you would like. If you wanna an updated kind of information how much you have in there, would you want that? Yeah. Yeah. So then you have it. And then at the end of the year as well, so, typically, what we would do, obviously, because you do keep your insurances in C bus, we wanna make sure you have enough money. And if you do remember your conversation with my colleague, Kyle, which is where I aim to have usually about 10 or so, just to make sure it literally covers insurances and and minimum. And then you want, obviously, majority in hub twenty four, which is going to give you the most amount of growth. So kind of pending everything, would you prefer us to kind of hold off until the end of the year, obviously, seeing what's going to happen with your super and then do a potential rollover. Yeah. Yeah. Just in case, especially with, like, fees and stuff, I don't want you paying fees for, you know, selling down, changing investments if you have to do it at the end of the year anyway. And it's not too far away. So I'll put a little note here that when we do touch base in December, if not earlier, we will then reassess if we do obviously, depending on what is happening to your super and then potentially do a bit of a reassessment on how much in each fund and then also potentially looking at increasing risk a little bit depending on what the outcome is. Yep. Beautiful. Now if you can go to the next document for me, it should be your performance report with hub twenty four, I believe. Yep. Perfect. So this one here might sometimes look a little bit messy, but it does show you all your investments, how they have performed over the last twelve months. Now the last twelve months, we have seen a bit of bit of fluctuations in the market with everything going on in the world. I'm sure you've seen on the news and stuff with, obviously, the war has caused a bit of market fluctuation and then also, obviously, everything that's going on in The US with Trump and Paris and everything. So it has seen a little bit of those fluctuations in the same that those local portfolio has just done pretty good despite kind of the market conditions, and it's still up by 6.58%. Now if you look at the second column to the right, can you see where it says internal rate of return? And it's like a percentage number. Basically, all the way to the left of the screen of return, it's called. So it should be the second column to the right. So almost just at the end. Yeah. Can you see those, like, percentages? Yep. Perfect. So that is showing you how the individual investments have performed over the last twelve months. Now the top one here is underperforming at the moment. So that one is down. All the others are positive, which is really good. Now what I would like to do, if you are happy to do so, is to look at changing that Bennelong investment for you because it has underperformed a little bit. Now with Benelung, the way that they kind of work is that it is a managed fund. So how it works is that they actively tryna buy and sell different investments in order to tryna outperform the market, And they have been very successful in doing so. But more recently, they've been a little bit slower in making those decisions. And one of the companies that they had invested in their portfolio was a company called the Corporate Travel Group. Have you ever did you ever hear about that at all? No. So, essentially, that company, they had a bit of issues on their reporting, which actually meant that they were kind of suspended from trading. So because of that, obviously, everything fell a little bit, and it's kind of just on on hold. But what we can do, which is good, is we can still get you out of Bennelong because you are just invested in Bennelong. You are not invested in that company. So, obviously, with investments, we we don't obviously day trade. It is your long term investment. But at the same time, we do wanna be proactive. And we'd have 24. There's hundreds of different options for us to choose from. And if there is an investment that is slightly underperforming at the moment and we don't foresee it coming back around, then we wanna look at potentially changing it. So the investment committee have done a lot of research on the Benelung investment and have found another alternative, which is called the beta shift a 200. Have you ever heard of that before? No. Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market. Just another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations. The way that that one works, it's that it invests in the 200 largest companies listed in Australia. You'll have all the big banks and Woolworths and BHP. So it is very diversified because you are invested in the 200 largest. And as a company kind of grows and gets bigger, added to the 200, and something smaller kind of falls out. Does that make sense? Yep. Perfect. So are you happy for us to do that one investment switch? Because I also don't want to leave that until the end of the year if it's gonna continue to kind of not perform as well. Yeah. Yeah. Perfect. So what I will do is I will draft up something that's called a record of advice. I will email it to you. It's not something you have to sign, but it is just for your records to say that we have made that one change for you. Yep. Perfect. And then we can obviously reassess everything in at the end of the year when we are looking at. But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon? So even if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as well. Yeah. Okay. Beautiful. Now do you have any questions so far, or is that pretty straightforward? Yeah. Okay. Perfect. Now next documents for me, what's that one? Yep. Have you seen something like this before? Yeah. So it is something that we kind of like to include because it is just a good visual representation of what we are talking about when we're talking about the market. But it kind of shows you as a bit an overview. It goes back from 1995, and this one goes through 2025. Vendor does release one every every year at the end of the financial year, so the new one should come out very soon. But it basically shows you that long term, the market always goes up. Short term, there will be some ups and downs and market fluctuations. It also kind of breaks down the different asset classes. So we're throwing back to that balance growth portfolio that we have you in at the moment. That's where you have about 70% in your top four combined. So that's, like, your US shares, which is, like, that light green. You have Australian shares, which is your dark green, international shares, which is the yellow, and then the kind of maroon color, which is, like, your property. So these are the ones you can see grow the most, also fluctuate the most, and that's why we do have about 30% or so in the defensive, which is, like, your bottom three. Just kind of making sure we stabilize those fluctuations a little bit for you. Yep. Perfect. Now if you can press next for me, it should be our q services guide, I believe. Yep. Perfect. So this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE. But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed. We've had a bit of an extension to the team, which is great. So you'll see all the directors and advisers and everything in that document. Bit of updates from marketing, but none of the important information has changed. Yep. Perfect. Now the next one after that, is that your ongoing service agreement? Yep. And then after that one, Yep. So that one here, same as last year, and it is just to say that you are happy to stay on as a client. Now, Anthony, I do wanna let you know that there's been no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. The fee gets deducted on a monthly basis to give you that flexibility. But by signing this document, it just allows us to manage all your investments and everything for you in the meantime. So if you're happy to do so, it will ask you for a little signature at the bottom there, and then there should be one more after that. If you are happy to do so. And all the documents afterwards will be saved so that you can download and go back and have a look at them if you want to as well. But if you do have any issues, you can always just let me know because we always keep a copy on file as well. And the next one, is that a tax file number form, does it say? Like, option to provide tax file number? Yep. Sure. Take your time. Yep. Perfect. So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file. And I will just update here and see if that came through okay. Now while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days. Again, it's just for your record. I will also get the team to email you your beneficiary just to get that one updated for you. You have 20 four is still accurate, which is good, but we do wanna change your. And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well. Yep. Perfect. Now, Anthony, do you have any other questions for me before I let you go? And enjoy the rest of your afternoon otherwise. Yeah. Okay. Yes. Yes. Okay. Yeah. Perfect. Well, I hope everything goes as well as it can during the mediation. We're always here if you do have any questions or you need anything. Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do. And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you. Yep. Perfect. I'll also sorry. Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well. Yep. Great. Well, if there's nothing else, I will leave you to it. Like I said, don't hesitate to give us a call if there's anything at all that we can do for you. Okay? No problem at all. Well, thank you so much for your time today, Anthony. It was lovely speaking with you, and I look forward to speaking with you soon again. No worries. We'll speak soon. 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afternoon. Is this Anthony? This is Veronica from OQ Financial. How are you? I'm good.\n\nThank you. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And I do have a password on file as well. Just for security, do you know what that might be?\n\nYep. Perfect. And how's your day been so far? I've been busy. Oh, well, that's good.\n\nWell, I will try not to keep you for too long, Anthony. But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's at? Yep. Alright. Yep.\n\nYep. Okay. Perfect. And do you know how far away everything is settled? Okay.\n\nNo worries. Obviously, when when things are a bit more sure of what's happening, just let us know, and then we can obviously guide you through the process. And then if we need to make any, you know, tweaks or changes to anything depending, obviously, the the outcome. Yep. Perfect.\n\nNow in the meantime, though, I do wanna make sure that we have everything correct for you. So next up, Ken. At the moment, I have a Crystal nominated. Is that still the case, or do you wanna nominate someone else? Mhmm.\n\nYeah. And next up can can literally be anybody. It is it's not someone that gets access to anything. It is just someone that if, for some reason, we cannot get in touch with you at all, it is just someone we can call just to make sure that you're okay. So that can be anyone.\n\nAlright. Okay. Yeah. And her her name, please? Perfect.\n\nAnd same last name as you? Yes. Perfect. And best contact number? Yep.\n\nTwo eight nine. Yep. 433. Beautiful. Thank you so much.\n\nNow I do wanna just kind of go through a bit of a fact find just to see if there's anything else that's kind of changed. And, obviously, I understand if if assets and stuff are kind of up in the air at the moment. Is that something you have settled on? Do you know are you keeping the property? Do you know what's happening with the assets?\n\nMhmm. Okay. Yep. And do you know if, obviously, when you sell the property, will you just kind of split that between the two of you? Yep.\n\nOkay. And do you have, like, a lawyer or someone to assist you through this process? Okay. Okay. Okay.\n\nNo. That's good. Yeah. Okay. Perfect.\n\nNow that is good. Otherwise, are you, for the time being, still at the same address, the 7 McIntyre Circuit, or do you have another postal address? Okay. And do you would you like me to let me just check that we haven't already updated that. The 61 Lincoln Parkway, is that the the right yeah.\n\nAlright. So if if we need to post anything through you, you're happy for it to be sent to that address? Yeah. Okay. Perfect.\n\nEmployment what? Yeah. You can. Yeah. 6190.\n\nYep. And is there an address and stuff with a 2? Okay. That's okay. Otherwise, do you have access to your printer at all?\n\nYes. Okay. Because what we can even do in, like, in the meantime for you is that anything we do need to post that, which usually isn't too many things, we could just email it through you right now. That way, you will get it. And then when you have a moment, you can obviously print.\n\nIf it needs to be wet signed by pen, you can just print it and then scan it and send it back, if that would be a bit easier for the time being. Yep. Okay. Perfect. Otherwise, when it comes to your employment, has any of that changed, or are you still not so still working as a track maintainer?\n\nYep. Beautiful. And income I have at around a 110,000. Is that still the case? Yep.\n\nPerfect. And they just pay you that standard 12% contribution into super. Right? Like, there's no additional yep. Perfect.\n\nJust like this then. Yeah. Do they have, like, an an EBA or anything like that? Like, they would just pay you the standard rates? Yep.\n\nPerfect. Yeah. Yeah. And that's how you get paid as well? Yeah.\n\nYes. Okay. Yeah. And with the 200 salary sacrifice that you do sorry. Did you say that was per week or fortnight?\n\nYeah. Yeah. Perfect. And are you maintaining that at the moment? Yep.\n\nOkay. Perfect. With the motor vehicle, is that also something you guys are splitting, or is that one yours, the one for 28,000? Okay. That one's completely yours.\n\nYep. Perfect. And you don't have anything owing on that one, do you? No. Okay.\n\nBeautiful. Any other assets in your name otherwise that we haven't kind of gone through? No. Okay. Perfect.\n\nAnd when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any significant health issues or injuries or any changes to anything in the last twelve months? No.\n\nOkay. Perfect. And do you have private health insurance? Yep. Now with contrib with the beneficiary forms into superannuation as well, when it comes to your hub twenty four, we do have your three children nominated, Saharla, Mackenzie, and Remi.\n\nThat's still the case? Yep. Beautiful. It does look like on, we still have Crystal nominated. Would you like us to send you forms to get that updated as well?\n\nYep. Alright. I will get the team to email you those forms. That is one that has to be printed and web signed. And then when you have a moment, just scan it and send it back, and we'll get that sorted with Cbus for you.\n\nPerfect. Otherwise, usually, during annual review, it's a good time to kind of touch base and see what your goals are, what you're working towards, or kind of the next focus for the next twelve months. But, obviously, right now, I understand it's kind of probably a little bit up in the air with everything. Is there anything specific you are working towards, or is it all kind of just pending until everything's finalized? Yeah.\n\nYeah. Yes. And are you planning on buying something yourself? Yeah. Okay.\n\nGreat. And when it comes to superannuation as well, so how your money is currently invested in, We have you at the moment invested in a balanced growth portfolio. And I know fairly recently at the end of last year, you kinda went through a pretty extensive research process with my colleague, Kyle, and that you did came out as that balanced growth in the rest of do you remember that? Yep. Beautiful.\n\nHas your risk tolerance or how you feel about market fluctuations or anything changed, or would you say it's pretty much the same? Yes. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Perfect. Yeah.\n\nAnd that sounds like a pretty good plan as well. And and where things are at the moment, like, it is that balanced growth where, yes, you do have a bit of that conservative element, but it is about 30 in your defensive. You still have that 70% in growth, so it is still giving you a bit of growth, but, obviously, a little bit more defensive approach. Now would you like me to add a add a reminder to kind of touch base at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up? What would you prefer?\n\nYep. Yes. Yes. Yeah. Alright.\n\nPerfect. We'll put a little reminder for kind of maybe first week of December. And then if yeah. Exactly like you said, if things do settled earlier, just give us a call or send me an email, and we can then definitely have a catch up as soon as everything kind of settled for you. Yep.\n\nPerfect. Now, Anthony, do you have access to your emails at the moment? Yep. Okay. So I have to send you an email with a couple of documents to go through if you can access that for me.\n\nNow we have recently changed software as well, so it might look a little bit different to what you are used to. It is kind of the same function where there should be an email directly from me, Veronica, and it will ask you to click on a link to sign. It will allow you to open up and look at all the documents first, though, before it would prompt you to sign anything just to make sure you're happy with everything first. Now can you see the first one there where it says super and insurance summary? Yep.\n\nSo if you click on that link, it should then the next page allow you to look at everything first. Yeah. So can you see where does the first thing you look at say super summary of superannuation and insurances? Yeah. Okay.\n\nPerfect. So you have majority of your super in Hub 24. You then also have a little bit in, which is where you have your insurances. Now the balance might be a little bit different because the the research we have is a little bit outdated because when we try to call CBAS through to do the research, they said that the addresses didn't match because we've just updated that for you. So we've just contacted them with your old address just for security verification and just waiting on them to kind of approve that before we can get some updated research.\n\nSo if you have access to your SEVA, it might be a little bit different than that 16800And25 because that's where you do have your contributions going. Does that make sense? Yep. Yep. And then you do have a little bit of insurances.\n\nNow it could change slightly to this figure here as well because this is the last we have, but you'll have life and total permanent disability. So life at around that 322 and total permanent disability of around two hundred and seventy. We should hear back from CBA in the next couple of weeks, hopefully, within seven days or so. And if it is much different, we can always send you a rundown if you would like. If you wanna an updated kind of information how much you have in there, would you want that?\n\nYeah. Yeah. So then you have it. And then at the end of the year as well, so, typically, what we would do, obviously, because you do keep your insurances in C bus, we wanna make sure you have enough money. And if you do remember your conversation with my colleague, Kyle, which is where I aim to have usually about 10 or so, just to make sure it literally covers insurances and and minimum.\n\nAnd then you want, obviously, majority in hub twenty four, which is going to give you the most amount of growth. So kind of pending everything, would you prefer us to kind of hold off until the end of the year, obviously, seeing what's going to happen with your super and then do a potential rollover. Yeah. Yeah. Just in case, especially with, like, fees and stuff, I don't want you paying fees for, you know, selling down, changing investments if you have to do it at the end of the year anyway.\n\nAnd it's not too far away. So I'll put a little note here that when we do touch base in December, if not earlier, we will then reassess if we do obviously, depending on what is happening to your super and then potentially do a bit of a reassessment on how much in each fund and then also potentially looking at increasing risk a little bit depending on what the outcome is. Yep. Beautiful. Now if you can go to the next document for me, it should be your performance report with hub twenty four, I believe.\n\nYep. Perfect. So this one here might sometimes look a little bit messy, but it does show you all your investments, how they have performed over the last twelve months. Now the last twelve months, we have seen a bit of bit of fluctuations in the market with everything going on in the world. I'm sure you've seen on the news and stuff with, obviously, the war has caused a bit of market fluctuation and then also, obviously, everything that's going on in The US with Trump and Paris and everything.\n\nSo it has seen a little bit of those fluctuations in the same that those local portfolio has just done pretty good despite kind of the market conditions, and it's still up by 6.58%. Now if you look at the second column to the right, can you see where it says internal rate of return? And it's like a percentage number. Basically, all the way to the left of the screen of return, it's called. So it should be the second column to the right.\n\nSo almost just at the end. Yeah. Can you see those, like, percentages? Yep. Perfect.\n\nSo that is showing you how the individual investments have performed over the last twelve months. Now the top one here is underperforming at the moment. So that one is down. All the others are positive, which is really good. Now what I would like to do, if you are happy to do so, is to look at changing that Bennelong investment for you because it has underperformed a little bit.\n\nNow with Benelung, the way that they kind of work is that it is a managed fund. So how it works is that they actively tryna buy and sell different investments in order to tryna outperform the market, And they have been very successful in doing so. But more recently, they've been a little bit slower in making those decisions. And one of the companies that they had invested in their portfolio was a company called the Corporate Travel Group. Have you ever did you ever hear about that at all?\n\nNo. So, essentially, that company, they had a bit of issues on their reporting, which actually meant that they were kind of suspended from trading. So because of that, obviously, everything fell a little bit, and it's kind of just on on hold. But what we can do, which is good, is we can still get you out of Bennelong because you are just invested in Bennelong. You are not invested in that company.\n\nSo, obviously, with investments, we we don't obviously day trade. It is your long term investment. But at the same time, we do wanna be proactive. And we'd have 24. There's hundreds of different options for us to choose from.\n\nAnd if there is an investment that is slightly underperforming at the moment and we don't foresee it coming back around, then we wanna look at potentially changing it. So the investment committee have done a lot of research on the Benelung investment and have found another alternative, which is called the beta shift a 200. Have you ever heard of that before? No. Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market.\n\nJust another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations. The way that that one works, it's that it invests in the 200 largest companies listed in Australia. You'll have all the big banks and Woolworths and BHP. So it is very diversified because you are invested in the 200 largest. And as a company kind of grows and gets bigger, added to the 200, and something smaller kind of falls out.\n\nDoes that make sense? Yep. Perfect. So are you happy for us to do that one investment switch? Because I also don't want to leave that until the end of the year if it's gonna continue to kind of not perform as well.\n\nYeah. Yeah. Perfect. So what I will do is I will draft up something that's called a record of advice. I will email it to you.\n\nIt's not something you have to sign, but it is just for your records to say that we have made that one change for you. Yep. Perfect. And then we can obviously reassess everything in at the end of the year when we are looking at. But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon?\n\nSo even if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as well. Yeah. Okay. Beautiful. Now do you have any questions so far, or is that pretty straightforward?\n\nYeah. Okay. Perfect. Now next documents for me, what's that one? Yep.\n\nHave you seen something like this before? Yeah. So it is something that we kind of like to include because it is just a good visual representation of what we are talking about when we're talking about the market. But it kind of shows you as a bit an overview. It goes back from 1995, and this one goes through 2025.\n\nVendor does release one every every year at the end of the financial year, so the new one should come out very soon. But it basically shows you that long term, the market always goes up. Short term, there will be some ups and downs and market fluctuations. It also kind of breaks down the different asset classes. So we're throwing back to that balance growth portfolio that we have you in at the moment.\n\nThat's where you have about 70% in your top four combined. So that's, like, your US shares, which is, like, that light green. You have Australian shares, which is your dark green, international shares, which is the yellow, and then the kind of maroon color, which is, like, your property. So these are the ones you can see grow the most, also fluctuate the most, and that's why we do have about 30% or so in the defensive, which is, like, your bottom three. Just kind of making sure we stabilize those fluctuations a little bit for you.\n\nYep. Perfect. Now if you can press next for me, it should be our q services guide, I believe. Yep. Perfect.\n\nSo this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE. But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed. We've had a bit of an extension to the team, which is great. So you'll see all the directors and advisers and everything in that document. Bit of updates from marketing, but none of the important information has changed.\n\nYep. Perfect. Now the next one after that, is that your ongoing service agreement? Yep. And then after that one, Yep.\n\nSo that one here, same as last year, and it is just to say that you are happy to stay on as a client. Now, Anthony, I do wanna let you know that there's been no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.\n\nThe fee gets deducted on a monthly basis to give you that flexibility. But by signing this document, it just allows us to manage all your investments and everything for you in the meantime. So if you're happy to do so, it will ask you for a little signature at the bottom there, and then there should be one more after that. If you are happy to do so. And all the documents afterwards will be saved so that you can download and go back and have a look at them if you want to as well.\n\nBut if you do have any issues, you can always just let me know because we always keep a copy on file as well. And the next one, is that a tax file number form, does it say? Like, option to provide tax file number? Yep. Sure.\n\nTake your time. Yep. Perfect. So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file. And I will just update here and see if that came through okay.\n\nNow while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days. Again, it's just for your record. I will also get the team to email you your beneficiary just to get that one updated for you. You have 20 four is still accurate, which is good, but we do wanna change your. And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well.\n\nYep. Perfect. Now, Anthony, do you have any other questions for me before I let you go? And enjoy the rest of your afternoon otherwise. Yeah.\n\nOkay. Yes. Yes. Okay. Yeah.\n\nPerfect. Well, I hope everything goes as well as it can during the mediation. We're always here if you do have any questions or you need anything. Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do. And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you.\n\nYep. Perfect. I'll also sorry. Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well. Yep.\n\nGreat. Well, if there's nothing else, I will leave you to it. Like I said, don't hesitate to give us a call if there's anything at all that we can do for you. Okay? No problem at all.\n\nWell, thank you so much for your time today, Anthony. It was lovely speaking with you, and I look forward to speaking with you soon again. No worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.36,"end":2.08,"sentiment":"neutral","sentiment_score":0.2723703533411026},{"text":"Is this Anthony?","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.1275220438838005},{"text":"This is Veronica from OQ Financial.","start":4.56,"end":6.58,"sentiment":"neutral","sentiment_score":0.1954908793171247},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.20508407056331635},{"text":"I'm good.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.6824767589569092}],"sentiment":"neutral","sentiment_score":0.25502861524000764,"num_words":16,"start":1.36,"end":10.0},{"sentences":[{"text":"Thank you.","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.7798594236373901},{"text":"I had you booked in to go over your annual review.","start":11.599999,"end":13.92,"sentiment":"positive","sentiment_score":0.4822588996453719},{"text":"Is now still a good time for you?","start":13.92,"end":15.555,"sentiment":"positive","sentiment_score":0.4234928898513317},{"text":"Yep.","start":17.315,"end":17.475,"sentiment":"neutral","sentiment_score":0.21621301770210263},{"text":"Perfect.","start":17.475,"end":17.975,"sentiment":"positive","sentiment_score":0.38308998942375183}],"sentiment":"positive","sentiment_score":0.4718179508395817,"num_words":23,"start":10.0,"end":17.975},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.595001,"end":25.975,"sentiment":"neutral","sentiment_score":0.07544866127186808},{"text":"Yep.","start":27.314999,"end":27.63,"sentiment":"neutral","sentiment_score":0.16836252808570862},{"text":"Perfect.","start":27.869999,"end":28.269999,"sentiment":"positive","sentiment_score":0.424770712852478},{"text":"And I do have a password on file as well.","start":28.269999,"end":30.829998,"sentiment":"neutral","sentiment_score":0.22727544754743575},{"text":"Just for security, do you know what that might be?","start":30.829998,"end":33.25,"sentiment":"neutral","sentiment_score":0.09016951695084571}],"sentiment":"neutral","sentiment_score":0.1167763541726505,"num_words":51,"start":18.595001,"end":33.25},{"sentences":[{"text":"Yep.","start":34.91,"end":35.41,"sentiment":"neutral","sentiment_score":0.16598547995090485},{"text":"Perfect.","start":35.55,"end":36.05,"sentiment":"positive","sentiment_score":0.3751346468925476},{"text":"And how's your day been so far?","start":36.269997,"end":37.699997,"sentiment":"neutral","sentiment_score":0.1849992722272873},{"text":"I've been busy.","start":37.699997,"end":38.769997,"sentiment":"neutral","sentiment_score":-0.04401091610391935},{"text":"Oh, well, that's good.","start":45.005,"end":46.045,"sentiment":"positive","sentiment_score":0.35024402290582657}],"sentiment":"neutral","sentiment_score":0.19406614848412573,"num_words":16,"start":34.91,"end":46.045},{"sentences":[{"text":"Well, I will try not to keep you for too long, Anthony.","start":46.045,"end":48.705,"sentiment":"neutral","sentiment_score":0.06783620764811833},{"text":"But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's at?","start":49.645,"end":64.25,"sentiment":"neutral","sentiment_score":0.02454168381424801},{"text":"Yep.","start":68.965,"end":69.465,"sentiment":"neutral","sentiment_score":0.024931354448199272},{"text":"Alright.","start":83.380005,"end":83.880005,"sentiment":"neutral","sentiment_score":0.00843844935297966},{"text":"Yep.","start":91.635,"end":91.875,"sentiment":"neutral","sentiment_score":0.04051956906914711}],"sentiment":"neutral","sentiment_score":0.03129231507962497,"num_words":77,"start":46.045,"end":91.875},{"sentences":[{"text":"Yep.","start":91.875,"end":92.355,"sentiment":"neutral","sentiment_score":0.0452105775475502},{"text":"Okay.","start":92.355,"end":92.675,"sentiment":"neutral","sentiment_score":0.12753766775131226},{"text":"Perfect.","start":92.675,"end":93.175,"sentiment":"neutral","sentiment_score":0.16755390167236328},{"text":"And do you know how far away everything is settled?","start":93.315,"end":97.255005,"sentiment":"neutral","sentiment_score":0.0008093694224953652},{"text":"Okay.","start":102.115005,"end":102.615005,"sentiment":"neutral","sentiment_score":0.029180409386754036}],"sentiment":"neutral","sentiment_score":0.026969732184495245,"num_words":14,"start":91.875,"end":102.615005},{"sentences":[{"text":"No worries.","start":103.57,"end":104.39,"sentiment":"neutral","sentiment_score":0.0450267530977726},{"text":"Obviously, when when things are a bit more sure of what's happening, just let us know, and then we can obviously guide you through the process.","start":104.61,"end":113.91,"sentiment":"neutral","sentiment_score":0.09910708558387481},{"text":"And then if we need to make any, you know, tweaks or changes to anything depending, obviously, the the outcome.","start":113.97,"end":120.104996,"sentiment":"neutral","sentiment_score":0.07265668492764235},{"text":"Yep.","start":121.604996,"end":122.104996,"sentiment":"neutral","sentiment_score":0.1731114387512207},{"text":"Perfect.","start":122.165,"end":122.665,"sentiment":"neutral","sentiment_score":0.3069568872451782}],"sentiment":"neutral","sentiment_score":0.09200079511851073,"num_words":50,"start":103.57,"end":122.665},{"sentences":[{"text":"Now in the meantime, though, I do wanna make sure that we have everything correct for you.","start":125.445,"end":130.185,"sentiment":"neutral","sentiment_score":0.1685882806777954},{"text":"So next up, Ken.","start":132.78001,"end":134.56001,"sentiment":"neutral","sentiment_score":0.035437723621726036},{"text":"At the moment, I have a Crystal nominated.","start":134.62001,"end":138.40001,"sentiment":"neutral","sentiment_score":0.060492823366075754},{"text":"Is that still the case, or do you wanna nominate someone else?","start":138.62001,"end":142.0,"sentiment":"neutral","sentiment_score":0.029597724865501124},{"text":"Mhmm.","start":145.675,"end":146.175,"sentiment":"neutral","sentiment_score":-0.08332432806491852}],"sentiment":"neutral","sentiment_score":0.08960815769664589,"num_words":42,"start":125.445,"end":146.175},{"sentences":[{"text":"Yeah.","start":149.35501,"end":149.835,"sentiment":"neutral","sentiment_score":-0.019676493480801582},{"text":"And next up can can literally be anybody.","start":149.835,"end":152.395,"sentiment":"neutral","sentiment_score":-0.03060213988646865},{"text":"It is it's not someone that gets access to anything.","start":152.395,"end":155.27501,"sentiment":"neutral","sentiment_score":-0.11570703238248825},{"text":"It is just someone that if, for some reason, we cannot get in touch with you at all, it is just someone we can call just to make sure that you're okay.","start":155.27501,"end":162.22,"sentiment":"neutral","sentiment_score":-0.07722289153025486},{"text":"So that can be anyone.","start":162.22,"end":163.36,"sentiment":"neutral","sentiment_score":0.005849653854966164}],"sentiment":"neutral","sentiment_score":-0.06899014635876353,"num_words":56,"start":149.35501,"end":163.36},{"sentences":[{"text":"Alright.","start":164.78,"end":165.26,"sentiment":"neutral","sentiment_score":0.04850681871175766},{"text":"Okay.","start":165.26,"end":165.76,"sentiment":"neutral","sentiment_score":0.04375103861093521},{"text":"Yeah.","start":165.9,"end":166.3,"sentiment":"neutral","sentiment_score":0.03600618988275528},{"text":"And her her name, please?","start":166.3,"end":167.92,"sentiment":"neutral","sentiment_score":0.029604488611221315},{"text":"Perfect.","start":171.42,"end":171.81999,"sentiment":"neutral","sentiment_score":0.27126210927963257}],"sentiment":"neutral","sentiment_score":0.060838733282354146,"num_words":9,"start":164.78,"end":171.81999},{"sentences":[{"text":"And same last name as you?","start":171.81999,"end":173.625,"sentiment":"neutral","sentiment_score":0.12560452396670976},{"text":"Yes.","start":174.665,"end":175.165,"sentiment":"neutral","sentiment_score":0.09750890731811523},{"text":"Perfect.","start":175.305,"end":175.805,"sentiment":"neutral","sentiment_score":0.21445006132125857},{"text":"And best contact number?","start":176.105,"end":177.485,"sentiment":"neutral","sentiment_score":0.10479635931551456},{"text":"Yep.","start":190.52,"end":191.02,"sentiment":"neutral","sentiment_score":0.018975285813212395}],"sentiment":"neutral","sentiment_score":0.11567283350114639,"num_words":13,"start":171.81999,"end":191.02},{"sentences":[{"text":"Two eight nine.","start":193.64,"end":195.18,"sentiment":"neutral","sentiment_score":0.019355996511876583},{"text":"Yep.","start":195.24,"end":195.74,"sentiment":"neutral","sentiment_score":0.025393715128302578},{"text":"433.","start":198.455,"end":199.57498,"sentiment":"neutral","sentiment_score":0.04402860254049301},{"text":"Beautiful.","start":199.575,"end":200.075,"sentiment":"positive","sentiment_score":0.544378399848938},{"text":"Thank you so 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you?","start":240.22,"end":246.64,"sentiment":"neutral","sentiment_score":-0.03810145155243252},{"text":"Yep.","start":250.715,"end":251.215,"sentiment":"neutral","sentiment_score":-0.09651170670986176}],"sentiment":"neutral","sentiment_score":-0.0412933588700576,"num_words":27,"start":224.235,"end":251.215},{"sentences":[{"text":"Okay.","start":254.475,"end":254.975,"sentiment":"neutral","sentiment_score":-0.04117007926106453},{"text":"And do you have, like, a lawyer or someone to assist you through this 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address?","start":308.275,"end":313.09497,"sentiment":"neutral","sentiment_score":0.22563372701406478},{"text":"Yeah.","start":314.34,"end":314.74,"sentiment":"neutral","sentiment_score":0.08500324189662933},{"text":"Okay.","start":314.74,"end":315.22,"sentiment":"neutral","sentiment_score":0.11710485816001892},{"text":"Perfect.","start":315.22,"end":315.72,"sentiment":"neutral","sentiment_score":0.1920519471168518}],"sentiment":"neutral","sentiment_score":0.20937195606529713,"num_words":24,"start":307.875,"end":315.72},{"sentences":[{"text":"Employment what?","start":317.22,"end":319.76,"sentiment":"neutral","sentiment_score":0.046804921701550484},{"text":"Yeah.","start":320.5,"end":320.82,"sentiment":"neutral","sentiment_score":0.0370543897151947},{"text":"You 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yours.","start":499.8,"end":501.26,"sentiment":"neutral","sentiment_score":0.0385600496083498}],"sentiment":"neutral","sentiment_score":0.030964435078203678,"num_words":28,"start":480.975,"end":501.26},{"sentences":[{"text":"Yep.","start":502.615,"end":502.935,"sentiment":"neutral","sentiment_score":0.10339532792568208},{"text":"Perfect.","start":502.935,"end":503.25497,"sentiment":"neutral","sentiment_score":0.24247075617313385},{"text":"And you don't have anything owing on that one, do 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that sounds like a pretty good plan as well.","start":715.54004,"end":717.46,"sentiment":"positive","sentiment_score":0.6948093414306641},{"text":"And and where things are at the moment, like, it is that balanced growth where, yes, you do have a bit of that conservative element, but it is about 30 in your defensive.","start":717.46,"end":728.735,"sentiment":"neutral","sentiment_score":0.1315531712589842},{"text":"You still have that 70% in growth, so it is still giving you a bit of growth, but, obviously, a little bit more defensive approach.","start":728.795,"end":736.815,"sentiment":"neutral","sentiment_score":0.20761631518602372},{"text":"Now would you like me to add a add a reminder to kind of touch base at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up?","start":738.235,"end":753.04,"sentiment":"neutral","sentiment_score":0.07438667403890732},{"text":"What would you prefer?","start":753.04,"end":754.1,"sentiment":"neutral","sentiment_score":0.027425111271440983}],"sentiment":"neutral","sentiment_score":0.168786807314438,"num_words":119,"start":715.54004,"end":754.1},{"sentences":[{"text":"Yep.","start":756.835,"end":757.335,"sentiment":"neutral","sentiment_score":0.12034259736537932},{"text":"Yes.","start":762.995,"end":763.495,"sentiment":"neutral","sentiment_score":0.04278720170259476},{"text":"Yes.","start":767.25,"end":767.75,"sentiment":"neutral","sentiment_score":0.04877510666847229},{"text":"Yeah.","start":768.37,"end":768.76996,"sentiment":"neutral","sentiment_score":0.14469842612743378},{"text":"Alright.","start":768.76996,"end":769.08997,"sentiment":"neutral","sentiment_score":0.2858487069606781}],"sentiment":"neutral","sentiment_score":0.12849040776491166,"num_words":5,"start":756.835,"end":769.08997},{"sentences":[{"text":"Perfect.","start":769.08997,"end":769.41,"sentiment":"positive","sentiment_score":0.5315511226654053},{"text":"We'll put a little reminder for kind of maybe first week of December.","start":769.41,"end":773.67,"sentiment":"neutral","sentiment_score":0.2746487454726146},{"text":"And then if yeah.","start":775.08997,"end":776.61,"sentiment":"neutral","sentiment_score":0.15756261348724365},{"text":"Exactly like you said, if things do settled earlier, just give us a call or send me an email, and we can then definitely have a catch up as soon as everything kind of settled for you.","start":776.61,"end":787.73505,"sentiment":"neutral","sentiment_score":0.2499518571673213},{"text":"Yep.","start":788.755,"end":789.255,"sentiment":"neutral","sentiment_score":0.179267555475235}],"sentiment":"neutral","sentiment_score":0.2528521703290088,"num_words":56,"start":769.08997,"end":789.255},{"sentences":[{"text":"Perfect.","start":789.315,"end":789.815,"sentiment":"positive","sentiment_score":0.3470473885536194},{"text":"Now, Anthony, do you have access to your emails at the moment?","start":790.995,"end":794.615,"sentiment":"neutral","sentiment_score":0.06697038964678843},{"text":"Yep.","start":796.56,"end":796.96,"sentiment":"neutral","sentiment_score":0.039011985063552856},{"text":"Okay.","start":796.96,"end":797.44,"sentiment":"neutral","sentiment_score":0.03516463562846184},{"text":"So I have to send you an email with a couple of documents to go through if you can access that for me.","start":797.44,"end":803.77997,"sentiment":"neutral","sentiment_score":0.04945500964379829}],"sentiment":"neutral","sentiment_score":0.06216668175827516,"num_words":38,"start":789.315,"end":803.77997},{"sentences":[{"text":"Now we have recently changed software as well, so it might look a little bit different to what you are used to.","start":806.48,"end":813.125,"sentiment":"neutral","sentiment_score":0.002289620820771564},{"text":"It is kind of the same function where there should be an email directly from me, Veronica, and it will ask you to click on a link to sign.","start":813.905,"end":824.44,"sentiment":"neutral","sentiment_score":0.07717315904025374},{"text":"It will allow you to open up and look at all the documents first, though, before it would prompt you to sign anything just to make sure you're happy with everything first.","start":825.7,"end":834.2,"sentiment":"neutral","sentiment_score":0.12274104682728648},{"text":"Now can you see the first one there where it says super and insurance summary?","start":836.435,"end":840.695,"sentiment":"neutral","sentiment_score":0.043415562435984614},{"text":"Yep.","start":852.37,"end":852.69,"sentiment":"neutral","sentiment_score":0.12063881754875184}],"sentiment":"neutral","sentiment_score":0.0705856466948083,"num_words":99,"start":806.48,"end":852.69},{"sentences":[{"text":"So if you click on that link, it should then the next page allow you to look at everything first.","start":852.69,"end":857.91003,"sentiment":"neutral","sentiment_score":0.1067311156541109},{"text":"Yeah.","start":864.86505,"end":865.34503,"sentiment":"neutral","sentiment_score":0.10438507795333862},{"text":"So can you see where does the first thing you look at say super summary of superannuation and insurances?","start":865.34503,"end":871.60504,"sentiment":"neutral","sentiment_score":0.0977702227077986},{"text":"Yeah.","start":873.31,"end":873.63,"sentiment":"neutral","sentiment_score":0.1867191195487976},{"text":"Okay.","start":873.63,"end":874.11,"sentiment":"positive","sentiment_score":0.4333014488220215}],"sentiment":"neutral","sentiment_score":0.11230148073463213,"num_words":42,"start":852.69,"end":874.11},{"sentences":[{"text":"Perfect.","start":874.11,"end":874.61,"sentiment":"positive","sentiment_score":0.7196674346923828},{"text":"So you have majority of your super in Hub 24.","start":875.79,"end":880.13,"sentiment":"positive","sentiment_score":0.36653167605400083},{"text":"You then also have a little bit in, which is where you have your insurances.","start":880.43,"end":884.93,"sentiment":"neutral","sentiment_score":0.1333109825849533},{"text":"Now the balance might be a little bit different because the the research we have is a little bit outdated because when we try to call CBAS through to do the research, they said that the addresses didn't match because we've just updated that for you.","start":886.195,"end":902.1,"sentiment":"neutral","sentiment_score":-0.2962821346262227},{"text":"So we've just contacted them with your old address just for security verification and just waiting on them to kind of approve that before we can get some updated research.","start":902.1,"end":913.06,"sentiment":"neutral","sentiment_score":-0.12422925308346748}],"sentiment":"neutral","sentiment_score":-0.1075608514833684,"num_words":102,"start":874.11,"end":913.06},{"sentences":[{"text":"So if you have access to your SEVA, it might be a little bit different than that 16800And25 because that's where you do have your contributions going.","start":913.06,"end":921.605,"sentiment":"neutral","sentiment_score":-0.026383412863921235},{"text":"Does that make sense?","start":923.345,"end":924.485,"sentiment":"neutral","sentiment_score":0.06754394806921482},{"text":"Yep.","start":925.345,"end":925.745,"sentiment":"neutral","sentiment_score":0.06803709268569946},{"text":"Yep.","start":925.745,"end":926.225,"sentiment":"neutral","sentiment_score":0.08334551751613617},{"text":"And then you do have a little bit of insurances.","start":926.225,"end":928.245,"sentiment":"neutral","sentiment_score":0.03519190214574337}],"sentiment":"neutral","sentiment_score":0.0014215180607036102,"num_words":43,"start":913.06,"end":928.245},{"sentences":[{"text":"Now it could change slightly to this figure here as well because this is the last we have, but you'll have life and total permanent disability.","start":928.305,"end":936.11,"sentiment":"neutral","sentiment_score":-0.03859723516954826},{"text":"So life at around that 322 and total permanent disability of around two hundred and seventy.","start":936.41,"end":943.55,"sentiment":"neutral","sentiment_score":0.015566336456686258},{"text":"We should hear back from CBA in the next couple of weeks, hopefully, within seven days or so.","start":944.175,"end":950.415,"sentiment":"neutral","sentiment_score":0.16267289345463118},{"text":"And if it is much different, we can always send you a rundown if you would like.","start":950.415,"end":954.435,"sentiment":"neutral","sentiment_score":0.09738739426521693},{"text":"If you wanna an updated kind of information how much you have in there, would you want that?","start":954.65497,"end":959.395,"sentiment":"neutral","sentiment_score":0.11736779453025924}],"sentiment":"neutral","sentiment_score":0.0625458037382678,"num_words":95,"start":928.305,"end":959.395},{"sentences":[{"text":"Yeah.","start":962.52997,"end":962.93,"sentiment":"neutral","sentiment_score":0.10778883099555968},{"text":"Yeah.","start":962.93,"end":963.43,"sentiment":"neutral","sentiment_score":0.09799010306596756},{"text":"So then you have it.","start":964.29,"end":965.58997,"sentiment":"neutral","sentiment_score":0.17479811310768129},{"text":"And then at the end of the year as well, so, typically, what we would do, obviously, because you do keep your insurances in C bus, we wanna make sure you have enough money.","start":965.97,"end":975.35,"sentiment":"neutral","sentiment_score":0.14884168030146291},{"text":"And if you do remember your conversation with my colleague, Kyle, which is where I aim to have usually about 10 or so, just to make sure it literally covers insurances and and minimum.","start":975.86505,"end":987.085,"sentiment":"neutral","sentiment_score":0.06944607811815598}],"sentiment":"neutral","sentiment_score":0.11335404381155968,"num_words":75,"start":962.52997,"end":987.085},{"sentences":[{"text":"And then you want, obviously, majority in hub twenty four, which is going to give you the most amount of growth.","start":987.385,"end":992.93,"sentiment":"neutral","sentiment_score":0.12240959881317048},{"text":"So kind of pending everything, would you prefer us to kind of hold off until the end of the year, obviously, seeing what's going to happen with your super and then do a potential rollover.","start":993.31,"end":1005.705,"sentiment":"neutral","sentiment_score":-0.018158642734800067},{"text":"Yeah.","start":1017.38,"end":1017.88,"sentiment":"neutral","sentiment_score":0.0218389555811882},{"text":"Yeah.","start":1020.57996,"end":1021.07996,"sentiment":"neutral","sentiment_score":0.01455914042890072},{"text":"Just in case, especially with, like, fees and stuff, I don't want you paying fees for, you know, selling down, changing investments if you have to do it at the end of the year anyway.","start":1021.69995,"end":1031.5599,"sentiment":"neutral","sentiment_score":-0.08503306305834225}],"sentiment":"neutral","sentiment_score":-0.010803333673906583,"num_words":93,"start":987.385,"end":1031.5599},{"sentences":[{"text":"And it's not too far away.","start":1032.315,"end":1033.995,"sentiment":"neutral","sentiment_score":-0.029430721187964082},{"text":"So I'll put a little note here that when we do touch base in December, if not earlier, we will then reassess if we do obviously, depending on what is happening to your super and then potentially do a bit of a reassessment on how much in each fund and then also potentially looking at increasing risk a little bit depending on what the outcome is.","start":1033.995,"end":1054.6699,"sentiment":"neutral","sentiment_score":-0.013081244094240847},{"text":"Yep.","start":1056.01,"end":1056.345,"sentiment":"neutral","sentiment_score":0.2924540042877197},{"text":"Beautiful.","start":1056.505,"end":1057.005,"sentiment":"positive","sentiment_score":0.5777515769004822},{"text":"Now if you can go to the next document for me, it should be your performance report with hub twenty four, I believe.","start":1058.025,"end":1065.1649,"sentiment":"neutral","sentiment_score":0.2575003381656564}],"sentiment":"neutral","sentiment_score":0.05930687548093421,"num_words":97,"start":1032.315,"end":1065.1649},{"sentences":[{"text":"Yep.","start":1066.745,"end":1067.225,"sentiment":"neutral","sentiment_score":0.214702770113945},{"text":"Perfect.","start":1067.225,"end":1067.725,"sentiment":"positive","sentiment_score":0.47091275453567505},{"text":"So this one here might sometimes look a little bit messy, but it does show you all your investments, how they have performed over the last twelve months.","start":1068.265,"end":1077.78,"sentiment":"neutral","sentiment_score":0.22050091265035526},{"text":"Now the last twelve months, we have seen a bit of bit of fluctuations in the market with everything going on in the world.","start":1078.16,"end":1084.095,"sentiment":"neutral","sentiment_score":-0.040235961166520916},{"text":"I'm sure you've seen on the news and stuff with, obviously, the war has caused a bit of market fluctuation and then also, obviously, everything that's going on in The US with Trump and Paris and everything.","start":1084.335,"end":1095.155,"sentiment":"neutral","sentiment_score":-0.02896227891481406}],"sentiment":"neutral","sentiment_score":0.05299311748368072,"num_words":91,"start":1066.745,"end":1095.155},{"sentences":[{"text":"So it has seen a little bit of those fluctuations in the same that those local portfolio has just done pretty good despite kind of the market conditions, and it's still up by 6.58%.","start":1095.615,"end":1109.31,"sentiment":"neutral","sentiment_score":0.17363884831395218},{"text":"Now if you look at the second column to the right, can you see where it says internal rate of return?","start":1111.885,"end":1118.945,"sentiment":"neutral","sentiment_score":0.04755981958338192},{"text":"And it's like a percentage number.","start":1122.925,"end":1124.785,"sentiment":"neutral","sentiment_score":0.03030243143439293},{"text":"Basically, all the way to the left of the screen of return, it's called.","start":1135.25,"end":1142.485,"sentiment":"neutral","sentiment_score":0.024905537853815725},{"text":"So it should be the second column to the right.","start":1142.485,"end":1145.145,"sentiment":"neutral","sentiment_score":0.038625233061611655}],"sentiment":"neutral","sentiment_score":0.09199084121295635,"num_words":85,"start":1095.615,"end":1145.145},{"sentences":[{"text":"So almost just at the end.","start":1145.445,"end":1146.805,"sentiment":"neutral","sentiment_score":0.021697651284436386},{"text":"Yeah.","start":1146.805,"end":1147.045,"sentiment":"neutral","sentiment_score":0.03188931196928024},{"text":"Can you see those, like, percentages?","start":1147.045,"end":1148.585,"sentiment":"neutral","sentiment_score":0.03266599029302597},{"text":"Yep.","start":1150.005,"end":1150.405,"sentiment":"neutral","sentiment_score":0.14937728643417358},{"text":"Perfect.","start":1150.405,"end":1150.885,"sentiment":"positive","sentiment_score":0.5541346073150635}],"sentiment":"neutral","sentiment_score":0.07077220367888609,"num_words":15,"start":1145.445,"end":1150.885},{"sentences":[{"text":"So that is showing you how the individual investments have performed over the last twelve months.","start":1150.885,"end":1156.75,"sentiment":"neutral","sentiment_score":0.3265706906095147},{"text":"Now the top one here is underperforming at the moment.","start":1157.53,"end":1162.57,"sentiment":"neutral","sentiment_score":-0.14207026101648806},{"text":"So that one is down.","start":1162.57,"end":1164.03,"sentiment":"neutral","sentiment_score":-0.18458053171634675},{"text":"All the others are positive, which is really good.","start":1164.41,"end":1167.5499,"sentiment":"positive","sentiment_score":0.33600442773765987},{"text":"Now what I would like to do, if you are happy to do so, is to look at changing that Bennelong investment for you because it has underperformed a little bit.","start":1168.095,"end":1179.855,"sentiment":"neutral","sentiment_score":0.09508292112619646}],"sentiment":"neutral","sentiment_score":0.12469205895150212,"num_words":71,"start":1150.885,"end":1179.855},{"sentences":[{"text":"Now with Benelung, the way that they kind of work is that it is a managed fund.","start":1179.855,"end":1186.6,"sentiment":"neutral","sentiment_score":0.05164345310014837},{"text":"So how it works is that they actively tryna buy and sell different investments in order to tryna outperform the market, And they have been very successful in doing so.","start":1187.14,"end":1198.105,"sentiment":"neutral","sentiment_score":0.10460421169797579},{"text":"But more recently, they've been a little bit slower in making those decisions.","start":1198.3251,"end":1203.0651,"sentiment":"neutral","sentiment_score":-0.18338178843259811},{"text":"And one of the companies that they had invested in their portfolio was a company called the Corporate Travel Group.","start":1203.685,"end":1212.26,"sentiment":"neutral","sentiment_score":-0.0748485941439867},{"text":"Have you ever did you ever hear about that at all?","start":1212.26,"end":1214.6,"sentiment":"neutral","sentiment_score":-0.029303744435310364}],"sentiment":"neutral","sentiment_score":-0.0020572666774739275,"num_words":91,"start":1179.855,"end":1214.6},{"sentences":[{"text":"No.","start":1216.26,"end":1216.76,"sentiment":"neutral","sentiment_score":-0.1281595528125763},{"text":"So, essentially, that company, they had a bit of issues on their reporting, which actually meant that they were kind of suspended from trading.","start":1217.06,"end":1225.6951,"sentiment":"neutral","sentiment_score":-0.20363494070867696},{"text":"So because of that, obviously, everything fell a little bit, and it's kind of just on on hold.","start":1226.2351,"end":1231.775,"sentiment":"neutral","sentiment_score":-0.23424559914403492},{"text":"But what we can do, which is good, is we can still get you out of Bennelong because you are just invested in Bennelong.","start":1231.915,"end":1237.7,"sentiment":"neutral","sentiment_score":0.07720181439071894},{"text":"You are not invested in that company.","start":1237.7,"end":1239.3999,"sentiment":"neutral","sentiment_score":-0.08991494881255287}],"sentiment":"neutral","sentiment_score":-0.10822135149627118,"num_words":74,"start":1216.26,"end":1239.3999},{"sentences":[{"text":"So, obviously, with investments, we we don't obviously day trade.","start":1240.0199,"end":1244.6599,"sentiment":"neutral","sentiment_score":-0.015756397787481547},{"text":"It is your long term investment.","start":1244.6599,"end":1246.44,"sentiment":"neutral","sentiment_score":0.04131888163586458},{"text":"But at the same time, we do wanna be proactive.","start":1247.1399,"end":1249.5599,"sentiment":"neutral","sentiment_score":0.09914029687643051},{"text":"And we'd have 24.","start":1250.355,"end":1251.395,"sentiment":"neutral","sentiment_score":0.05864196678157896},{"text":"There's hundreds of different options for us to choose from.","start":1251.395,"end":1254.115,"sentiment":"neutral","sentiment_score":0.03018186818808317}],"sentiment":"neutral","sentiment_score":0.040453470742795615,"num_words":40,"start":1240.0199,"end":1254.115},{"sentences":[{"text":"And if there is an investment that is slightly underperforming at the moment and we don't foresee it coming back around, then we wanna look at potentially changing it.","start":1254.115,"end":1263.255,"sentiment":"neutral","sentiment_score":-0.24500156913338036},{"text":"So the investment committee have done a lot of research on the Benelung investment and have found another alternative, which is called the beta shift a 200.","start":1264.1001,"end":1275.0,"sentiment":"neutral","sentiment_score":0.07483339613234555},{"text":"Have you ever heard of that before?","start":1275.06,"end":1276.6001,"sentiment":"neutral","sentiment_score":0.030189227978033677},{"text":"No.","start":1278.725,"end":1279.225,"sentiment":"neutral","sentiment_score":-0.07542824745178223},{"text":"Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market.","start":1279.285,"end":1286.745,"sentiment":"neutral","sentiment_score":0.02629945158130593}],"sentiment":"neutral","sentiment_score":-0.04657760734291195,"num_words":91,"start":1254.115,"end":1286.745},{"sentences":[{"text":"Just another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations.","start":1286.885,"end":1293.64,"sentiment":"neutral","sentiment_score":0.20453390975793204},{"text":"The way that that one works, it's that it invests in the 200 largest companies listed in Australia.","start":1295.3,"end":1301.72,"sentiment":"neutral","sentiment_score":0.18434691263569725},{"text":"You'll have all the big banks and Woolworths and BHP.","start":1302.4451,"end":1306.2251,"sentiment":"neutral","sentiment_score":0.20703229904174805},{"text":"So it is very diversified because you are invested in the 200 largest.","start":1306.365,"end":1311.025,"sentiment":"neutral","sentiment_score":0.2703841569331976},{"text":"And as a company kind of grows and gets bigger, added to the 200, and something smaller kind of falls out.","start":1311.485,"end":1317.3,"sentiment":"neutral","sentiment_score":0.033540832854452585}],"sentiment":"neutral","sentiment_score":0.17000375855504796,"num_words":89,"start":1286.885,"end":1317.3},{"sentences":[{"text":"Does that make sense?","start":1317.38,"end":1318.52,"sentiment":"neutral","sentiment_score":0.10478832200169563},{"text":"Yep.","start":1319.7001,"end":1320.02,"sentiment":"neutral","sentiment_score":0.22955571115016937},{"text":"Perfect.","start":1320.02,"end":1320.52,"sentiment":"positive","sentiment_score":0.6154444217681885},{"text":"So are you happy for us to do that one investment switch?","start":1320.5801,"end":1323.54,"sentiment":"positive","sentiment_score":0.4469459280371666},{"text":"Because I also don't want to leave that until the end of the year if it's gonna continue to kind of not perform as well.","start":1323.54,"end":1329.9601,"sentiment":"neutral","sentiment_score":-0.07061253987252712}],"sentiment":"neutral","sentiment_score":0.11307421071065027,"num_words":43,"start":1317.38,"end":1329.9601},{"sentences":[{"text":"Yeah.","start":1331.475,"end":1331.975,"sentiment":"neutral","sentiment_score":0.22375530004501343},{"text":"Yeah.","start":1332.035,"end":1332.535,"sentiment":"neutral","sentiment_score":0.30861616134643555},{"text":"Perfect.","start":1333.555,"end":1334.055,"sentiment":"positive","sentiment_score":0.4648953080177307},{"text":"So what I will do is I will draft up something that's called a record of advice.","start":1334.115,"end":1339.415,"sentiment":"neutral","sentiment_score":0.2541263585581499},{"text":"I will email it to you.","start":1340.035,"end":1341.875,"sentiment":"neutral","sentiment_score":0.24816429366668066}],"sentiment":"neutral","sentiment_score":0.26178463949606967,"num_words":26,"start":1331.475,"end":1341.875},{"sentences":[{"text":"It's not something you have to sign, but it is just for your records to say that we have made that one change for you.","start":1341.875,"end":1350.15,"sentiment":"neutral","sentiment_score":0.23502943128347398},{"text":"Yep.","start":1351.49,"end":1351.99,"sentiment":"neutral","sentiment_score":0.22930829226970673},{"text":"Perfect.","start":1352.13,"end":1352.63,"sentiment":"positive","sentiment_score":0.461961030960083},{"text":"And then we can obviously reassess everything in at the end of the year when we are looking at.","start":1353.01,"end":1360.47,"sentiment":"neutral","sentiment_score":0.18002608849814064},{"text":"But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon?","start":1360.565,"end":1367.625,"sentiment":"neutral","sentiment_score":-0.014211058885288926}],"sentiment":"neutral","sentiment_score":0.13358351744116387,"num_words":72,"start":1341.875,"end":1367.625},{"sentences":[{"text":"So even if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as well.","start":1367.9249,"end":1375.89,"sentiment":"neutral","sentiment_score":0.03829036540507028},{"text":"Yeah.","start":1377.25,"end":1377.5701,"sentiment":"neutral","sentiment_score":0.15320567786693573},{"text":"Okay.","start":1377.5701,"end":1378.05,"sentiment":"positive","sentiment_score":0.36006662249565125},{"text":"Beautiful.","start":1378.05,"end":1378.55,"sentiment":"positive","sentiment_score":0.7388992309570312},{"text":"Now do you have any questions so far, or is that pretty straightforward?","start":1378.85,"end":1382.55,"sentiment":"neutral","sentiment_score":0.3179390292901259}],"sentiment":"neutral","sentiment_score":0.15760869204532355,"num_words":40,"start":1367.9249,"end":1382.55},{"sentences":[{"text":"Yeah.","start":1385.49,"end":1385.89,"sentiment":"neutral","sentiment_score":0.2153039276599884},{"text":"Okay.","start":1385.89,"end":1386.37,"sentiment":"neutral","sentiment_score":0.28685036301612854},{"text":"Perfect.","start":1386.37,"end":1386.87,"sentiment":"positive","sentiment_score":0.5902336239814758},{"text":"Now next documents for me, what's that one?","start":1387.09,"end":1390.47,"sentiment":"neutral","sentiment_score":0.14157637394964695},{"text":"Yep.","start":1397.2251,"end":1397.625,"sentiment":"neutral","sentiment_score":0.04945839568972587}],"sentiment":"neutral","sentiment_score":0.18953810849537453,"num_words":12,"start":1385.49,"end":1397.625},{"sentences":[{"text":"Have you seen something like this before?","start":1397.625,"end":1399.485,"sentiment":"neutral","sentiment_score":0.017432166263461113},{"text":"Yeah.","start":1409.16,"end":1409.66,"sentiment":"neutral","sentiment_score":0.07499420642852783},{"text":"So it is something that we kind of like to include because it is just a good visual representation of what we are talking about when we're talking about the market.","start":1409.9601,"end":1418.685,"sentiment":"neutral","sentiment_score":0.17611974261460767},{"text":"But it kind of shows you as a bit an overview.","start":1419.065,"end":1421.405,"sentiment":"neutral","sentiment_score":0.12118537385355342},{"text":"It goes back from 1995, and this one goes through 2025.","start":1421.865,"end":1426.205,"sentiment":"neutral","sentiment_score":0.04857567088170485}],"sentiment":"neutral","sentiment_score":0.12334594890841695,"num_words":61,"start":1397.625,"end":1426.205},{"sentences":[{"text":"Vendor does release one every every year at the end of the financial year, so the new one should come out very soon.","start":1426.665,"end":1433.0901,"sentiment":"neutral","sentiment_score":0.1306055262684822},{"text":"But it basically shows you that long term, the market always goes up.","start":1433.55,"end":1437.5701,"sentiment":"neutral","sentiment_score":0.062470052677851454},{"text":"Short term, there will be some ups and downs and market fluctuations.","start":1437.79,"end":1441.3301,"sentiment":"neutral","sentiment_score":-0.03445952975501617},{"text":"It also kind of breaks down the different asset classes.","start":1442.675,"end":1445.735,"sentiment":"neutral","sentiment_score":0.04178941659629345},{"text":"So we're throwing back to that balance growth portfolio that we have you in at the moment.","start":1445.955,"end":1450.855,"sentiment":"neutral","sentiment_score":0.11424975754583583}],"sentiment":"neutral","sentiment_score":0.07683551301558812,"num_words":75,"start":1426.665,"end":1450.855},{"sentences":[{"text":"That's where you have about 70% in your top four combined.","start":1451.395,"end":1455.415,"sentiment":"neutral","sentiment_score":0.14463075724515048},{"text":"So that's, like, your US shares, which is, like, that light green.","start":1455.78,"end":1459.0801,"sentiment":"neutral","sentiment_score":0.037145400109390415},{"text":"You have Australian shares, which is your dark green, international shares, which is the yellow, and then the kind of maroon color, which is, like, your property.","start":1459.62,"end":1468.12,"sentiment":"neutral","sentiment_score":0.056333520001283395},{"text":"So these are the ones you can see grow the most, also fluctuate the most, and that's why we do have about 30% or so in the defensive, which is, like, your bottom three.","start":1469.3151,"end":1478.855,"sentiment":"neutral","sentiment_score":0.12182299288756707},{"text":"Just kind of making sure we stabilize those fluctuations a little bit for you.","start":1479.3151,"end":1483.5,"sentiment":"neutral","sentiment_score":0.15849720793110983}],"sentiment":"neutral","sentiment_score":0.10121051877813071,"num_words":98,"start":1451.395,"end":1483.5},{"sentences":[{"text":"Yep.","start":1484.78,"end":1485.28,"sentiment":"neutral","sentiment_score":0.15363138914108276},{"text":"Perfect.","start":1485.34,"end":1485.84,"sentiment":"positive","sentiment_score":0.4931396245956421},{"text":"Now if you can press next for me, it should be our q services guide, I believe.","start":1486.14,"end":1491.68,"sentiment":"neutral","sentiment_score":0.19299214026507208},{"text":"Yep.","start":1493.18,"end":1493.66,"sentiment":"neutral","sentiment_score":0.13890597224235535},{"text":"Perfect.","start":1493.66,"end":1494.16,"sentiment":"neutral","sentiment_score":0.04131331294775009}],"sentiment":"neutral","sentiment_score":0.1956122230206217,"num_words":21,"start":1484.78,"end":1494.16},{"sentences":[{"text":"So this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE.","start":1494.3,"end":1508.965,"sentiment":"neutral","sentiment_score":0.16255824397816215},{"text":"But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed.","start":1509.4601,"end":1518.28,"sentiment":"neutral","sentiment_score":0.23529951319550024},{"text":"We've had a bit of an extension to the team, which is great.","start":1518.5801,"end":1521.795,"sentiment":"positive","sentiment_score":0.6961143612861633},{"text":"So you'll see all the directors and advisers and everything in that document.","start":1522.3551,"end":1526.055,"sentiment":"positive","sentiment_score":0.509645897608537},{"text":"Bit of updates from marketing, but none of the important information has changed.","start":1526.995,"end":1530.8551,"sentiment":"neutral","sentiment_score":0.1008383001272495}],"sentiment":"neutral","sentiment_score":0.27600582342432894,"num_words":115,"start":1494.3,"end":1530.8551},{"sentences":[{"text":"Yep.","start":1532.1951,"end":1532.5951,"sentiment":"neutral","sentiment_score":0.27695271372795105},{"text":"Perfect.","start":1532.5951,"end":1533.0951,"sentiment":"positive","sentiment_score":0.4939284324645996},{"text":"Now the next one after that, is that your ongoing service agreement?","start":1533.555,"end":1538.66,"sentiment":"neutral","sentiment_score":0.12462390338381131},{"text":"Yep.","start":1543.2,"end":1543.7,"sentiment":"neutral","sentiment_score":0.12023048102855682},{"text":"And then after that one, Yep.","start":1543.92,"end":1552.835,"sentiment":"neutral","sentiment_score":0.10730018963416417}],"sentiment":"neutral","sentiment_score":0.14430474312532515,"num_words":21,"start":1532.1951,"end":1552.835},{"sentences":[{"text":"So that one here, same as last year, and it is just to say that you are happy to stay on as a client.","start":1553.055,"end":1559.395,"sentiment":"positive","sentiment_score":0.4569442930320899},{"text":"Now, Anthony, I do wanna let you know that there's been no changes whatsoever in regards to the fee structure.","start":1560.175,"end":1566.1799,"sentiment":"neutral","sentiment_score":0.19019832983613014},{"text":"So that stays exactly the same at 1.65 from super, so no changes there.","start":1566.5599,"end":1572.98,"sentiment":"neutral","sentiment_score":0.29457198296274456},{"text":"And it is not a lock in contract.","start":1573.2,"end":1575.2,"sentiment":"neutral","sentiment_score":0.07855964824557304},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1575.2,"end":1579.905,"sentiment":"neutral","sentiment_score":0.03793535898956987}],"sentiment":"neutral","sentiment_score":0.24054703617557174,"num_words":84,"start":1553.055,"end":1579.905},{"sentences":[{"text":"The fee gets deducted on a monthly basis to give you that flexibility.","start":1580.445,"end":1584.145,"sentiment":"neutral","sentiment_score":0.21896289174373335},{"text":"But by signing this document, it just allows us to manage all your investments and everything for you in the meantime.","start":1585.165,"end":1591.505,"sentiment":"positive","sentiment_score":0.4223942330905369},{"text":"So if you're happy to do so, it will ask you for a little signature at the bottom there, and then there should be one more after that.","start":1593.14,"end":1603.48,"sentiment":"neutral","sentiment_score":0.20002005462135589},{"text":"If you are happy to do so.","start":1606.275,"end":1607.8151,"sentiment":"neutral","sentiment_score":0.1867065748998097},{"text":"And all the documents afterwards will be saved so that you can download and go back and have a look at them if you want to as well.","start":1614.675,"end":1620.54,"sentiment":"neutral","sentiment_score":0.29356169274875094}],"sentiment":"neutral","sentiment_score":0.27674259214671615,"num_words":97,"start":1580.445,"end":1620.54},{"sentences":[{"text":"But if you do have any issues, you can always just let me know because we always keep a copy on file as well.","start":1620.8401,"end":1625.5801,"sentiment":"neutral","sentiment_score":0.2569510942945878},{"text":"And the next one, is that a tax file number form, does it say?","start":1628.52,"end":1633.26,"sentiment":"neutral","sentiment_score":0.09529111055391175},{"text":"Like, option to provide tax file number?","start":1633.445,"end":1635.705,"sentiment":"neutral","sentiment_score":0.06159260815807751},{"text":"Yep.","start":1642.485,"end":1642.8049,"sentiment":"neutral","sentiment_score":0.23724429309368136},{"text":"Sure.","start":1642.8049,"end":1643.045,"sentiment":"positive","sentiment_score":0.4071524739265442}],"sentiment":"neutral","sentiment_score":0.1824775922330136,"num_words":47,"start":1620.8401,"end":1643.045},{"sentences":[{"text":"Take your time.","start":1643.045,"end":1643.865,"sentiment":"positive","sentiment_score":0.34032920002937317},{"text":"Yep.","start":1664.275,"end":1664.675,"sentiment":"positive","sentiment_score":0.3763945698738098},{"text":"Perfect.","start":1664.675,"end":1665.155,"sentiment":"positive","sentiment_score":0.6715060472488403},{"text":"So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file.","start":1665.155,"end":1674.03,"sentiment":"positive","sentiment_score":0.3726714120970832},{"text":"And I will just update here and see if that came through okay.","start":1675.29,"end":1679.39,"sentiment":"neutral","sentiment_score":0.16323353694035456}],"sentiment":"neutral","sentiment_score":0.31673449609014726,"num_words":45,"start":1643.045,"end":1679.39},{"sentences":[{"text":"Now while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days.","start":1681.21,"end":1692.6151,"sentiment":"neutral","sentiment_score":0.12279333191161806},{"text":"Again, it's just for your record.","start":1692.755,"end":1694.535,"sentiment":"neutral","sentiment_score":0.14042944461107254},{"text":"I will also get the team to email you your beneficiary just to get that one updated for you.","start":1695.555,"end":1702.45,"sentiment":"neutral","sentiment_score":0.1513738436134238},{"text":"You have 20 four is still accurate, which is good, but we do wanna change your.","start":1702.51,"end":1706.37,"sentiment":"neutral","sentiment_score":0.1629157462157309},{"text":"And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well.","start":1707.23,"end":1721.125,"sentiment":"neutral","sentiment_score":0.1232672216636794}],"sentiment":"neutral","sentiment_score":0.13259949329406467,"num_words":134,"start":1681.21,"end":1721.125},{"sentences":[{"text":"Yep.","start":1723.1051,"end":1723.505,"sentiment":"neutral","sentiment_score":0.24292895197868347},{"text":"Perfect.","start":1723.505,"end":1724.005,"sentiment":"positive","sentiment_score":0.4679053723812103},{"text":"Now, Anthony, do you have any other questions for me before I let you go?","start":1724.145,"end":1728.805,"sentiment":"neutral","sentiment_score":0.2900758862495422},{"text":"And enjoy the rest of your afternoon otherwise.","start":1729.1599,"end":1731.1,"sentiment":"positive","sentiment_score":0.41346001252532005},{"text":"Yeah.","start":1733.64,"end":1734.14,"sentiment":"neutral","sentiment_score":0.021100882440805435}],"sentiment":"neutral","sentiment_score":0.32272129233639973,"num_words":26,"start":1723.1051,"end":1734.14},{"sentences":[{"text":"Okay.","start":1734.44,"end":1734.94,"sentiment":"neutral","sentiment_score":0.02794629894196987},{"text":"Yes.","start":1738.2799,"end":1738.7799,"sentiment":"neutral","sentiment_score":0.02652100846171379},{"text":"Yes.","start":1740.76,"end":1741.26,"sentiment":"neutral","sentiment_score":0.046227507293224335},{"text":"Okay.","start":1742.555,"end":1743.055,"sentiment":"neutral","sentiment_score":0.20624300837516785},{"text":"Yeah.","start":1744.795,"end":1745.275,"sentiment":"neutral","sentiment_score":0.30611130595207214}],"sentiment":"neutral","sentiment_score":0.1226098258048296,"num_words":5,"start":1734.44,"end":1745.275},{"sentences":[{"text":"Perfect.","start":1745.275,"end":1745.755,"sentiment":"positive","sentiment_score":0.4650666117668152},{"text":"Well, I hope everything goes as well as it can during the mediation.","start":1745.755,"end":1750.655,"sentiment":"positive","sentiment_score":0.46509242287048924},{"text":"We're always here if you do have any questions or you need anything.","start":1751.435,"end":1754.975,"sentiment":"neutral","sentiment_score":0.2898975656582759},{"text":"Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do.","start":1757.0801,"end":1763.7201,"sentiment":"positive","sentiment_score":0.3802895913166659},{"text":"And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you.","start":1763.7201,"end":1769.205,"sentiment":"neutral","sentiment_score":0.23411392302889572}],"sentiment":"positive","sentiment_score":0.3429217507710328,"num_words":74,"start":1745.275,"end":1769.205},{"sentences":[{"text":"Yep.","start":1770.725,"end":1771.225,"sentiment":"neutral","sentiment_score":0.04131906107068062},{"text":"Perfect.","start":1771.445,"end":1771.9249,"sentiment":"neutral","sentiment_score":0.18861013650894165},{"text":"I'll also sorry.","start":1771.9249,"end":1772.6449,"sentiment":"neutral","sentiment_score":0.0659068189561367},{"text":"Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well.","start":1772.6449,"end":1783.14,"sentiment":"neutral","sentiment_score":0.1513141056522727},{"text":"Yep.","start":1784.5,"end":1785.0,"sentiment":"neutral","sentiment_score":0.18097977340221405}],"sentiment":"neutral","sentiment_score":0.14480855769437292,"num_words":46,"start":1770.725,"end":1785.0},{"sentences":[{"text":"Great.","start":1785.06,"end":1785.56,"sentiment":"positive","sentiment_score":0.7194970846176147},{"text":"Well, if there's nothing else, I will leave you to it.","start":1786.5,"end":1789.62,"sentiment":"positive","sentiment_score":0.35771227966655383},{"text":"Like I said, don't hesitate to give us a call if there's anything at all that we can do for you.","start":1789.62,"end":1794.18,"sentiment":"neutral","sentiment_score":0.3033713343597594},{"text":"Okay?","start":1794.18,"end":1794.68,"sentiment":"neutral","sentiment_score":0.12479189038276672},{"text":"No problem at all.","start":1796.915,"end":1797.7151,"sentiment":"positive","sentiment_score":0.5712658315896988}],"sentiment":"positive","sentiment_score":0.35355224734858465,"num_words":38,"start":1785.06,"end":1797.7151},{"sentences":[{"text":"Well, thank you so much for your time today, Anthony.","start":1797.7151,"end":1799.555,"sentiment":"positive","sentiment_score":0.823822945356369},{"text":"It was lovely speaking with you, and I look forward to speaking with you soon again.","start":1799.555,"end":1802.855,"sentiment":"positive","sentiment_score":0.8696625158190727},{"text":"No worries.","start":1804.995,"end":1805.475,"sentiment":"neutral","sentiment_score":0.2966204881668091},{"text":"We'll speak soon.","start":1805.475,"end":1806.4551,"sentiment":"neutral","sentiment_score":0.30401886999607086},{"text":"Bye.","start":1807.795,"end":1808.295,"sentiment":"neutral","sentiment_score":-0.1101900115609169}],"sentiment":"positive","sentiment_score":0.7358730400446802,"num_words":32,"start":1797.7151,"end":1808.295}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Not too bad, yourself. Yep. Yeah. It's Indy. Yeah. I've been doing a little bit, but not not not too crazy. Yep. Yeah. It's just more so a, catch up really at this point. There will be a few things down the track that I will get on to use about later. It's just to do with separation and divorce and stuff like that. And when I get and when we when I gotta sort my Subaru and stuff out through that. Yeah. Probably towards the end of the year, I'd say. Yeah. Yeah. Yeah. No. It won't be crystal anymore. It'll be I'd like to just put my mother. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'll just put my mother. Lexie, l e x I e. Yep. 0407 289 433. Well, at the moment, the app isn't on the market yet. Still in the process of getting that ready for sale and everything. But the house will be sold, and assets will be split. Yeah. Well, the hope is that we go fifty fifty in it, but whether that happens, I'm not a 100% sure. Yeah. We we're going through mediation. So there's myself, my ex, the mediator, and there'll be a lawyer as well in there. So when we when we do it, there will be a lawyer present there. No. I'm on my living with my mother at the moment. Yeah. That yep. Yeah. That's correct. Yep. Can you do can you can I give you a PO box? Yeah. PO Box 6190. Press double o. There Did have it. Oops. I think it's 814 Not a 100% sure what the actual address is. Yep. Yep. Yep. Yeah. That should be fine. No. Yep. Yeah. Pretty much. I I salary sacrifice 200. And, yeah, they just put whatever they put in on their end. Yep. Yeah. I believe it. I think they pay it monthly, I think. You know? No. I get paid fortnightly, but sometimes the super goes in one big amount. So I think they hold off and do it monthly. That's a four notch size. 100. Right? Yeah. No. This that that one's mine. She has her own. And yeah. No. No. Yep. No. Not really. Yeah. Yep. Yep. Yep. Alright. Yeah. I will. Yeah. Yep. No worries. Yep. Yeah. It's sort of all pending on that. At this point, I'm obviously, my main concern is obviously selling a house and getting my own place. So Yeah. Yeah. I am. Yep. Yeah. Yeah. It's pretty much the same. I think, obviously, once everything happens with the with the assets and stuff like that and the potential super loss of super, I think I might I might change it then to try and make up what I lost or what I potentially will will lose. So I might I might put it into a more aggressive level. Yeah. Until then, I'll I'll I'll I'll I'll happy just to leave it where it is and bring down it up. Yeah. Yeah. Yeah. Yeah. You can put a reminder in, and, yeah, we can catch up at the end of the year. But if if it all ends up happening before the end of the year, obviously, I'll get in contact with you and sort something out then. Yep. Yep. No worries. Yep. Yep. Yep. Yep. I have, obviously, the it wants me to sign a document. Yep. Right. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. You could send that. Yeah. That'd be yep. Andy. Yep. Yep. Yeah. Yeah. You can, yeah, you can do that. It'd be fine. Yeah. You can do the rollover at the end of the year or whatever depending on whatever happens, obviously. But yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. What was it? The internal right? Yeah. Yep. Yep. Yep. Yeah. Right. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's it. That's fine. Yep. Yeah. Right. Yeah. Yep. Yeah. It's all pretty straightforward. Yeah. Vanguard index chart? I think so. I think I've seen one from, obviously, last year, maybe, or the year before. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Not yet. Yeah. Yeah. Yep. Yep. Yep. Yeah. Financial service guide. Yep. Is the consent yeah. To the ongoing fee arrangement. Yep. Yep. Yep. Yep. Do you want me to sign that now? Yep. Yep. One sec. I just do this. Sorry. Textbook. Automatic book. Alright. That should be validating in. Yep. Yep. No. That was about it, really. Obviously, yeah, there'll be other stuff that we need to go over later on down in in the year, but, yeah, until then, everything's pretty good. Yep. Yep. No. Yep. Yep. No worries. Thank you very much. All good. Thank you very much. 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Yes. Not too bad, yourself. Yep. Yeah.\n\nIt's Indy. Yeah. I've been doing a little bit, but not not not too crazy. Yep. Yeah.\n\nIt's just more so a, catch up really at this point. There will be a few things down the track that I will get on to use about later. It's just to do with separation and divorce and stuff like that. And when I get and when we when I gotta sort my Subaru and stuff out through that. Yeah.\n\nProbably towards the end of the year, I'd say. Yeah. Yeah. Yeah. No.\n\nIt won't be crystal anymore. It'll be I'd like to just put my mother. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I'll just put my mother. Lexie, l e x I e.\n\nYep. 0407 289 433. Well, at the moment, the app isn't on the market yet. Still in the process of getting that ready for sale and everything. But the house will be sold, and assets will be split.\n\nYeah. Well, the hope is that we go fifty fifty in it, but whether that happens, I'm not a 100% sure. Yeah. We we're going through mediation. So there's myself, my ex, the mediator, and there'll be a lawyer as well in there.\n\nSo when we when we do it, there will be a lawyer present there. No. I'm on my living with my mother at the moment. Yeah. That yep.\n\nYeah. That's correct. Yep. Can you do can you can I give you a PO box? Yeah.\n\nPO Box 6190. Press double o. There Did have it. Oops. I think it's 814 Not a 100% sure what the actual address is.\n\nYep. Yep. Yep. Yeah. That should be fine.\n\nNo. Yep. Yeah. Pretty much. I I salary sacrifice 200.\n\nAnd, yeah, they just put whatever they put in on their end. Yep. Yeah. I believe it. I think they pay it monthly, I think.\n\nYou know? No. I get paid fortnightly, but sometimes the super goes in one big amount. So I think they hold off and do it monthly. That's a four notch size.\n\n100. Right? Yeah. No. This that that one's mine.\n\nShe has her own. And yeah. No. No. Yep.\n\nNo. Not really. Yeah. Yep. Yep.\n\nYep. Alright. Yeah. I will. Yeah.\n\nYep. No worries. Yep. Yeah. It's sort of all pending on that.\n\nAt this point, I'm obviously, my main concern is obviously selling a house and getting my own place. So Yeah. Yeah. I am. Yep.\n\nYeah. Yeah. It's pretty much the same. I think, obviously, once everything happens with the with the assets and stuff like that and the potential super loss of super, I think I might I might change it then to try and make up what I lost or what I potentially will will lose. So I might I might put it into a more aggressive level.\n\nYeah. Until then, I'll I'll I'll I'll I'll happy just to leave it where it is and bring down it up. Yeah. Yeah. Yeah.\n\nYeah. You can put a reminder in, and, yeah, we can catch up at the end of the year. But if if it all ends up happening before the end of the year, obviously, I'll get in contact with you and sort something out then. Yep. Yep.\n\nNo worries. Yep. Yep. Yep. Yep.\n\nI have, obviously, the it wants me to sign a document. Yep. Right. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. You could send that.\n\nYeah. That'd be yep. Andy. Yep. Yep.\n\nYeah. Yeah. You can, yeah, you can do that. It'd be fine. Yeah.\n\nYou can do the rollover at the end of the year or whatever depending on whatever happens, obviously. But yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nWhat was it? The internal right? Yeah. Yep. Yep.\n\nYep. Yeah. Right. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That's it. That's fine.\n\nYep. Yeah. Right. Yeah. Yep.\n\nYeah. It's all pretty straightforward. Yeah. Vanguard index chart? I think so.\n\nI think I've seen one from, obviously, last year, maybe, or the year before. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Yeah. Not yet. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nFinancial service guide. Yep. Is the consent yeah. To the ongoing fee arrangement. Yep.\n\nYep. Yep. Yep. Do you want me to sign that now? Yep.\n\nYep. One sec. I just do this. Sorry. Textbook.\n\nAutomatic book. Alright. That should be validating in. Yep. Yep.\n\nNo. That was about it, really. Obviously, yeah, there'll be other stuff that we need to go over later on down in in the year, but, yeah, until then, everything's pretty good. Yep. Yep.\n\nNo. Yep. Yep. No worries. Thank you very much.\n\nAll good. Thank you very much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.040067240595817566},{"text":"Yes.","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.1529037356376648},{"text":"Not too bad, yourself.","start":7.68,"end":8.74,"sentiment":"positive","sentiment_score":0.37127622961997986},{"text":"Yep.","start":26.595001,"end":27.095001,"sentiment":"neutral","sentiment_score":0.1095864474773407},{"text":"Yeah.","start":33.489998,"end":33.809998,"sentiment":"neutral","sentiment_score":0.08068584650754929}],"sentiment":"neutral","sentiment_score":0.23354352358728647,"num_words":8,"start":0.16,"end":33.809998},{"sentences":[{"text":"It's Indy.","start":33.809998,"end":34.47,"sentiment":"neutral","sentiment_score":0.11923474073410034},{"text":"Yeah.","start":39.57,"end":39.89,"sentiment":"neutral","sentiment_score":0.03196506202220917},{"text":"I've been doing a little bit, but not not not too 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was it?","start":1138.6901,"end":1139.17,"sentiment":"neutral","sentiment_score":0.010818916062513987},{"text":"The internal right?","start":1139.17,"end":1140.345,"sentiment":"neutral","sentiment_score":0.015492055254677931},{"text":"Yeah.","start":1145.625,"end":1146.125,"sentiment":"neutral","sentiment_score":0.0249849297106266},{"text":"Yep.","start":1147.225,"end":1147.5449,"sentiment":"neutral","sentiment_score":0.032579027116298676},{"text":"Yep.","start":1147.5449,"end":1148.0449,"sentiment":"neutral","sentiment_score":0.02648712322115898}],"sentiment":"neutral","sentiment_score":0.01810933266662889,"num_words":9,"start":1138.6901,"end":1148.0449},{"sentences":[{"text":"Yep.","start":1149.065,"end":1149.565,"sentiment":"neutral","sentiment_score":0.06143554672598839},{"text":"Yeah.","start":1157.4,"end":1157.64,"sentiment":"neutral","sentiment_score":0.07948851585388184},{"text":"Right.","start":1157.64,"end":1158.04,"sentiment":"neutral","sentiment_score":0.061044372618198395},{"text":"Yep.","start":1158.04,"end":1158.54,"sentiment":"neutral","sentiment_score":0.06660579144954681},{"text":"Yep.","start":1166.9651,"end":1167.4651,"sentiment":"positive","sentiment_score":0.33427438139915466}],"sentiment":"neutral","sentiment_score":0.12056972160935402,"num_words":5,"start":1149.065,"end":1167.4651},{"sentences":[{"text":"Yep.","start":1176.245,"end":1176.745,"sentiment":"neutral","sentiment_score":0.11496777832508089},{"text":"Yep.","start":1195.2899,"end":1195.635,"sentiment":"neutral","sentiment_score":0.06015817821025848},{"text":"Yeah.","start":1239.97,"end":1240.47,"sentiment":"neutral","sentiment_score":-0.020024821162223816},{"text":"Yeah.","start":1263.09,"end":1263.59,"sentiment":"neutral","sentiment_score":-0.001683466136455536},{"text":"Yep.","start":1271.25,"end":1271.75,"sentiment":"neutral","sentiment_score":0.10655789077281952}],"sentiment":"neutral","sentiment_score":0.0519951120018959,"num_words":5,"start":1176.245,"end":1271.75},{"sentences":[{"text":"Yep.","start":1294.63,"end":1295.13,"sentiment":"neutral","sentiment_score":0.1619831621646881},{"text":"Yep.","start":1302.775,"end":1303.275,"sentiment":"neutral","sentiment_score":0.1587662696838379},{"text":"Yeah.","start":1311.895,"end":1312.395,"sentiment":"neutral","sentiment_score":0.07985387742519379},{"text":"Yeah.","start":1319.1,"end":1319.5,"sentiment":"neutral","sentiment_score":0.10104280710220336},{"text":"Yeah.","start":1319.5,"end":1320.0,"sentiment":"neutral","sentiment_score":0.14382722973823547}],"sentiment":"neutral","sentiment_score":0.12909466922283172,"num_words":5,"start":1294.63,"end":1320.0},{"sentences":[{"text":"Yeah.","start":1328.78,"end":1329.28,"sentiment":"neutral","sentiment_score":0.09669051319360732},{"text":"Yeah.","start":1330.14,"end":1330.46,"sentiment":"neutral","sentiment_score":0.09481346607208252},{"text":"Yeah.","start":1330.46,"end":1330.54,"sentiment":"neutral","sentiment_score":0.1009467840194702},{"text":"That's 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fine.","start":1330.86,"end":1331.735,"sentiment":"neutral","sentiment_score":0.24794086068868637}],"sentiment":"neutral","sentiment_score":0.14917560666799545,"num_words":7,"start":1328.78,"end":1331.735},{"sentences":[{"text":"Yep.","start":1337.2424,"end":1337.7424,"sentiment":"neutral","sentiment_score":0.20436781644821167},{"text":"Yeah.","start":1350.61,"end":1351.01,"sentiment":"neutral","sentiment_score":0.1346052885055542},{"text":"Right.","start":1351.01,"end":1351.33,"sentiment":"neutral","sentiment_score":0.1326368749141693},{"text":"Yeah.","start":1351.33,"end":1351.83,"sentiment":"neutral","sentiment_score":0.15069997310638428},{"text":"Yep.","start":1368.225,"end":1368.725,"sentiment":"neutral","sentiment_score":-0.0396798811852932}],"sentiment":"neutral","sentiment_score":0.11652601435780525,"num_words":5,"start":1337.2424,"end":1368.725},{"sentences":[{"text":"Yeah.","start":1376.21,"end":1376.71,"sentiment":"neutral","sentiment_score":0.13300082087516785},{"text":"It's all pretty straightforward.","start":1383.49,"end":1384.71,"sentiment":"positive","sentiment_score":0.37449322640895844},{"text":"Yeah.","start":1384.85,"end":1385.235,"sentiment":"neutral","sentiment_score":0.24623334407806396},{"text":"Vanguard index chart?","start":1395.395,"end":1396.9349,"sentiment":"neutral","sentiment_score":0.05981738492846489},{"text":"I think so.","start":1402.97,"end":1403.69,"sentiment":"neutral","sentiment_score":0.03098996418217818}],"sentiment":"neutral","sentiment_score":0.17913575982674956,"num_words":12,"start":1376.21,"end":1403.69},{"sentences":[{"text":"I think I've seen one from, obviously, last year, maybe, or the year before.","start":1403.69,"end":1408.59,"sentiment":"neutral","sentiment_score":0.04238803578274591},{"text":"Yeah.","start":1408.97,"end":1409.47,"sentiment":"neutral","sentiment_score":0.0665285512804985},{"text":"Yeah.","start":1421.345,"end":1421.845,"sentiment":"neutral","sentiment_score":0.06686168909072876},{"text":"Yep.","start":1427.2649,"end":1427.61,"sentiment":"neutral","sentiment_score":0.0992431491613388},{"text":"Yep.","start":1433.61,"end":1434.11,"sentiment":"neutral","sentiment_score":0.07106078416109085}],"sentiment":"neutral","sentiment_score":0.04984037081400553,"num_words":18,"start":1403.69,"end":1434.11},{"sentences":[{"text":"Yeah.","start":1442.695,"end":1443.195,"sentiment":"neutral","sentiment_score":0.04608043283224106},{"text":"Yeah.","start":1451.255,"end":1451.755,"sentiment":"neutral","sentiment_score":0.10319937765598296},{"text":"Yeah.","start":1456.1599,"end":1456.48,"sentiment":"neutral","sentiment_score":0.044046662747859955},{"text":"Not yet.","start":1456.48,"end":1461.86,"sentiment":"neutral","sentiment_score":0.02882259525358677},{"text":"Yeah.","start":1467.9199,"end":1468.4199,"sentiment":"neutral","sentiment_score":0.07786515355110168}],"sentiment":"neutral","sentiment_score":0.05480613621572653,"num_words":6,"start":1442.695,"end":1468.4199},{"sentences":[{"text":"Yeah.","start":1468.7999,"end":1469.085,"sentiment":"neutral","sentiment_score":0.07808715105056763},{"text":"Yep.","start":1479.245,"end":1479.745,"sentiment":"neutral","sentiment_score":0.14284978806972504},{"text":"Yep.","start":1483.965,"end":1484.37,"sentiment":"neutral","sentiment_score":0.11052873730659483},{"text":"Yep.","start":1492.21,"end":1492.71,"sentiment":"neutral","sentiment_score":0.10394375771284103},{"text":"Yeah.","start":1531.2151,"end":1531.7151,"sentiment":"neutral","sentiment_score":0.19098542630672455}],"sentiment":"neutral","sentiment_score":0.12527897208929062,"num_words":5,"start":1468.7999,"end":1531.7151},{"sentences":[{"text":"Financial service guide.","start":1540.6699,"end":1542.13,"sentiment":"neutral","sentiment_score":0.04633573008080324},{"text":"Yep.","start":1544.19,"end":1544.69,"sentiment":"neutral","sentiment_score":0.08785927295684814},{"text":"Is the consent yeah.","start":1547.23,"end":1549.23,"sentiment":"neutral","sentiment_score":0.061906395480036736},{"text":"To the ongoing fee arrangement.","start":1549.23,"end":1560.9451,"sentiment":"neutral","sentiment_score":0.10922382175922393},{"text":"Yep.","start":1560.9451,"end":1561.4451,"sentiment":"neutral","sentiment_score":0.2634272575378418}],"sentiment":"neutral","sentiment_score":0.09171702938952617,"num_words":14,"start":1540.6699,"end":1561.4451},{"sentences":[{"text":"Yep.","start":1573.51,"end":1574.01,"sentiment":"neutral","sentiment_score":0.16155920922756195},{"text":"Yep.","start":1597.38,"end":1597.88,"sentiment":"neutral","sentiment_score":0.1729663461446762},{"text":"Yep.","start":1598.02,"end":1598.355,"sentiment":"neutral","sentiment_score":0.13128571212291718},{"text":"Do you want me to sign that now?","start":1604.115,"end":1605.655,"sentiment":"neutral","sentiment_score":0.07310107350349426},{"text":"Yep.","start":1607.955,"end":1608.455,"sentiment":"neutral","sentiment_score":0.22933796048164368}],"sentiment":"neutral","sentiment_score":0.10666315133372943,"num_words":12,"start":1573.51,"end":1608.455},{"sentences":[{"text":"Yep.","start":1622.465,"end":1622.965,"sentiment":"neutral","sentiment_score":0.19879351556301117},{"text":"One sec.","start":1636.625,"end":1637.185,"sentiment":"neutral","sentiment_score":0.031233208253979683},{"text":"I just do this.","start":1637.185,"end":1641.7999,"sentiment":"neutral","sentiment_score":0.2522613927721977},{"text":"Sorry.","start":1644.1799,"end":1644.6799,"sentiment":"neutral","sentiment_score":0.10253935307264328},{"text":"Textbook.","start":1654.025,"end":1654.185,"sentiment":"neutral","sentiment_score":0.06087721139192581}],"sentiment":"neutral","sentiment_score":0.15930245195825896,"num_words":9,"start":1622.465,"end":1654.185},{"sentences":[{"text":"Automatic book.","start":1654.185,"end":1655.405,"sentiment":"neutral","sentiment_score":0.09329178556799889},{"text":"Alright.","start":1661.545,"end":1661.865,"sentiment":"neutral","sentiment_score":0.19320796430110931},{"text":"That should be validating in.","start":1661.865,"end":1663.645,"sentiment":"neutral","sentiment_score":0.24248090386390686},{"text":"Yep.","start":1674.75,"end":1675.25,"sentiment":"neutral","sentiment_score":0.17473825812339783},{"text":"Yep.","start":1702.9401,"end":1703.295,"sentiment":"neutral","sentiment_score":0.11247493326663972}],"sentiment":"neutral","sentiment_score":0.18794092461466788,"num_words":10,"start":1654.185,"end":1703.295},{"sentences":[{"text":"No.","start":1731.615,"end":1731.935,"sentiment":"neutral","sentiment_score":-0.02082782052457333},{"text":"That was about it, really.","start":1731.935,"end":1733.715,"sentiment":"neutral","sentiment_score":-0.028097066283226012},{"text":"Obviously, yeah, there'll be other stuff that we need to go over later on down in in the year, but, yeah, until then, everything's pretty good.","start":1734.655,"end":1744.05,"sentiment":"neutral","sentiment_score":0.06597958813206507},{"text":"Yep.","start":1755.7301,"end":1756.065,"sentiment":"neutral","sentiment_score":0.23468294739723208},{"text":"Yep.","start":1769.745,"end":1770.1449,"sentiment":"neutral","sentiment_score":0.03142402321100235}],"sentiment":"neutral","sentiment_score":0.05353715029709479,"num_words":34,"start":1731.615,"end":1770.1449},{"sentences":[{"text":"No.","start":1770.1449,"end":1770.6449,"sentiment":"neutral","sentiment_score":0.013963637873530388},{"text":"Yep.","start":1783.6,"end":1783.965,"sentiment":"neutral","sentiment_score":0.12300144881010056},{"text":"Yep.","start":1794.765,"end":1795.005,"sentiment":"neutral","sentiment_score":0.17923370003700256},{"text":"No worries.","start":1795.005,"end":1795.565,"sentiment":"positive","sentiment_score":0.36883531510829926},{"text":"Thank you very much.","start":1795.565,"end":1796.43,"sentiment":"positive","sentiment_score":0.7516932487487793}],"sentiment":"positive","sentiment_score":0.45118249021470547,"num_words":9,"start":1770.1449,"end":1796.43},{"sentences":[{"text":"All good.","start":1803.15,"end":1803.55,"sentiment":"positive","sentiment_score":0.7940509021282196},{"text":"Thank you very much.","start":1803.55,"end":1804.6101,"sentiment":"positive","sentiment_score":0.7985523343086243},{"text":"Bye.","start":1806.75,"end":1807.25,"sentiment":"neutral","sentiment_score":0.18287336826324463}],"sentiment":"positive","sentiment_score":0.7093120728220258,"num_words":7,"start":1803.15,"end":1807.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Anthony?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from OQ Financial. How are you?\n\nChannel 1: Not too bad, yourself.\n\nChannel 0: I'm good. Thank you. I had you booked in to go over your annual review. Is now still a good time for you? Yep.\n\nPerfect. 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: Yep.\n\nChannel 0: Yep. Perfect. And I do have a password on file as well. Just for security, do you know what that might be?\n\nChannel 1: Yeah. It's Indy.\n\nChannel 0: Yep. Perfect. And how's your day been so far? I've been busy.\n\nChannel 1: Yeah. I've been doing a little bit, but not not not too crazy.\n\nChannel 0: Oh, well, that's good. Well, I will try not to keep you for too long, Anthony.\n\nChannel 1: Yep.\n\nChannel 0: But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's at?\n\nChannel 1: Yeah. It's just more so a, catch up really at this point.\n\nChannel 0: Yep.\n\nChannel 1: There will be a few things down the track that I will get on to use about later. It's just to do with separation and divorce and\n\nChannel 0: Alright.\n\nChannel 1: stuff like that. And when I get and when we when I gotta sort my Subaru and stuff out through that.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And do you know how far away everything is settled?\n\nChannel 1: Probably towards the end of the year, I'd say.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: No worries. Obviously, when when things are a bit more sure of what's happening,\n\nChannel 1: Yeah.\n\nChannel 0: just let us know, and then we can obviously guide you through the process. And then if we need to make any, you know, tweaks or changes to anything depending, obviously, the the outcome.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now in the meantime, though, I do wanna make sure that we have everything correct for you. So next up, Ken. At the moment, I have a Crystal nominated.\n\nIs that still the case, or do you wanna nominate someone else?\n\nChannel 1: No. It won't be crystal anymore. It'll be\n\nChannel 0: Mhmm.\n\nChannel 1: I'd like to just put my mother.\n\nChannel 0: Yeah. And next up can can literally be anybody. It is it's not someone that gets access to anything. It is just someone that if, for some reason, we cannot get in touch with you at all,\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: is just someone we can call just to make sure that you're okay. So that\n\nChannel 1: Yeah.\n\nChannel 0: can be anyone.\n\nChannel 1: Yeah. Yeah. Yeah. I'll just put\n\nChannel 0: Alright.\n\nChannel 1: my mother.\n\nChannel 0: Okay. Yeah. And her her name, please?\n\nChannel 1: Lexie, l e x I e.\n\nChannel 0: Perfect. And same last name as you?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. And best contact number?\n\nChannel 1: 0407\n\nChannel 0: Yep.\n\nChannel 1: 289\n\nChannel 0: Two eight nine. Yep.\n\nChannel 1: 433.\n\nChannel 0: 433. Beautiful. Thank you so much. Now I do wanna just kind of go through a bit of a fact find just to see if there's anything else that's kind of changed. And, obviously, I understand if if assets and stuff are kind of up in the air at the moment.\n\nIs that something you have settled on? Do you know are you keeping the property? Do you know what's happening with the assets? Mhmm.\n\nChannel 1: Well, at the moment, the app isn't on the market yet.\n\nChannel 0: Okay.\n\nChannel 1: Still in the process of getting that ready for sale and everything. But the house will be sold, and assets will be split. Yeah.\n\nChannel 0: Yep. And do you know if, obviously, when you sell the property, will you just kind of split that between the two of you?\n\nChannel 1: Well, the hope is that we go fifty fifty in it, but\n\nChannel 0: Yep.\n\nChannel 1: whether that happens, I'm not a 100% sure.\n\nChannel 0: Okay. And do you have, like, a lawyer or someone to assist you through this process?\n\nChannel 1: Yeah. We we're going through mediation. So there's\n\nChannel 0: Okay.\n\nChannel 1: myself, my ex, the mediator, and there'll be a lawyer as well in there.\n\nChannel 0: Okay. Okay.\n\nChannel 1: So when\n\nChannel 0: No.\n\nChannel 1: we\n\nChannel 0: That's\n\nChannel 1: when we\n\nChannel 0: good.\n\nChannel 1: do it, there will be a lawyer present there.\n\nChannel 0: Yeah. Okay. Perfect. Now that is good. Otherwise, are you, for the time being, still at the same address, the 7 McIntyre Circuit, or do you have another\n\nChannel 1: No.\n\nChannel 0: postal address?\n\nChannel 1: I'm on my living with my\n\nChannel 0: Okay. And do\n\nChannel 1: mother\n\nChannel 0: you would you like me to let\n\nChannel 1: at\n\nChannel 0: me just check that we haven't already updated\n\nChannel 1: the\n\nChannel 0: that. The\n\nChannel 1: moment.\n\nChannel 0: 61 Lincoln Parkway, is that\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: That\n\nChannel 0: the right\n\nChannel 1: yep.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: correct.\n\nChannel 0: if if we need to post anything through you, you're happy for it to be sent to that address?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. Employment\n\nChannel 1: Can you do can you can I give you a\n\nChannel 0: what?\n\nChannel 1: PO box?\n\nChannel 0: Yeah. You can. Yeah.\n\nChannel 1: Yeah. PO Box 6190.\n\nChannel 0: 6190.\n\nChannel 1: Press double\n\nChannel 0: Yep. And is there an address and stuff with a 2?\n\nChannel 1: o. There Did have it. Oops. I think it's 814 Not a 100% sure what the actual address is.\n\nChannel 0: Okay. That's okay. Otherwise, do you have access to your printer at all?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Okay. Because what we can even do in, like, in the meantime for you is that anything we do need to post that, which usually isn't too many things,\n\nChannel 1: Yep.\n\nChannel 0: we could just email it through you right now. That way, you will get it. And then when you have a moment, you can obviously print. If it needs to be wet signed by pen, you can just print it and then scan it and send it back, if\n\nChannel 1: Yep.\n\nChannel 0: that would be a bit easier for the time being.\n\nChannel 1: Yeah. That should be fine.\n\nChannel 0: Yep. Okay. Perfect. Otherwise, when it comes to your employment, has any of that changed, or\n\nChannel 1: No.\n\nChannel 0: are you still not so still working as a track maintainer? Yep. Beautiful. And income I have at around a 110,000. Is that still the case?\n\nChannel 1: Yep. Yeah. Pretty much.\n\nChannel 0: Yep. Perfect. And they just pay you that standard 12% contribution into super. Right? Like, there's no additional\n\nChannel 1: I I salary sacrifice 200.\n\nChannel 0: yep. Perfect.\n\nChannel 1: And, yeah, they just put whatever they put in\n\nChannel 0: Just like this then.\n\nChannel 1: on\n\nChannel 0: Yeah.\n\nChannel 1: their\n\nChannel 0: Do they have, like, an an EBA or anything like that? Like, they would just\n\nChannel 1: end.\n\nChannel 0: pay you the standard rates? Yep.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I believe it. I think they pay it monthly, I think. You know?\n\nChannel 0: Yeah. Yeah. And that's how you get paid as well?\n\nChannel 1: No. I get paid fortnightly, but sometimes the super goes in one big amount.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: So I think they hold off and do it monthly.\n\nChannel 0: Okay. Yeah. And with the 200 salary sacrifice that you do sorry. Did you say that was per week or fortnight?\n\nChannel 1: That's a four notch size. 100.\n\nChannel 0: Yeah.\n\nChannel 1: Right? Yeah.\n\nChannel 0: Yeah. Perfect. And are you maintaining that at the moment? Yep. Okay.\n\nPerfect. With the motor vehicle, is that also something you guys are splitting, or is that one yours, the one for 28,000?\n\nChannel 1: No. This that that one's mine. She has her own.\n\nChannel 0: Okay.\n\nChannel 1: And\n\nChannel 0: That one's completely yours.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Perfect. And you don't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Beautiful. Any other assets in your name otherwise that we haven't kind of gone through?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And have you had any significant health issues or injuries or any changes to anything in the last twelve months?\n\nChannel 1: No. Not really.\n\nChannel 0: No. Okay. Perfect. And do you have private health insurance?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now with contrib with the beneficiary forms into superannuation as well, when it comes to your hub twenty four, we do have your three children nominated, Saharla, Mackenzie, and Remi.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: still the case? Yep. Beautiful. It does look like on, we still have Crystal nominated.\n\nChannel 1: Yep.\n\nChannel 0: Would\n\nChannel 1: Alright.\n\nChannel 0: you like us to send you forms to get that updated as well?\n\nChannel 1: Yeah. I will. Yeah.\n\nChannel 0: Yep. Alright. I will get the team to email you those forms. That is one that has to be printed and web signed. And then when you have a moment, just scan it and send it back, and we'll get that sorted with Cbus for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. Otherwise, usually, during annual review, it's a good time to kind of touch base and see what your goals are, what you're working towards, or kind of the next focus for the next twelve months. But, obviously, right now, I understand it's kind of probably a little bit up in the air\n\nChannel 1: Yep.\n\nChannel 0: with everything. Is there anything specific you are working towards, or is it all kind of just pending until everything's finalized?\n\nChannel 1: Yeah. It's sort of all pending on that. At this point,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm obviously, my main concern is obviously selling a house and getting my own place.\n\nChannel 0: Yes. And are you planning on buying something yourself?\n\nChannel 1: So Yeah. Yeah. I am. Yep.\n\nChannel 0: Yeah. Okay. Great. And when it comes to superannuation as well, so how your money is currently invested in, We have you at the moment invested in a balanced growth portfolio. And I know fairly recently at the end of last year, you kinda went through a pretty extensive research process with my colleague, Kyle,\n\nChannel 1: Yeah.\n\nChannel 0: and that you did came out as that balanced growth in the rest of do you remember that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Has your risk tolerance or how you feel about market fluctuations or anything changed, or would you say it's pretty much the same?\n\nChannel 1: It's pretty much the same. I think, obviously, once everything happens with the with the assets\n\nChannel 0: Yes.\n\nChannel 1: and stuff like that and the potential super loss of super,\n\nChannel 0: Yep. Yep.\n\nChannel 1: I think I might I might change it then to try and\n\nChannel 0: Yes.\n\nChannel 1: make up what I lost or\n\nChannel 0: Yep.\n\nChannel 1: what I\n\nChannel 0: Yep.\n\nChannel 1: potentially will will lose.\n\nChannel 0: Yep.\n\nChannel 1: So I might I might put it into a more aggressive\n\nChannel 0: Yep.\n\nChannel 1: level.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. Until then, I'll I'll I'll I'll I'll happy just to leave it where it is\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Okay. Perfect.\n\nChannel 1: bring down it up. Yeah.\n\nChannel 0: Yeah. And that sounds like a pretty good plan as well. And and where things are at the moment, like, it is that balanced growth where, yes, you do have a bit\n\nChannel 1: Yeah.\n\nChannel 0: of that conservative element, but it is about 30 in your defensive. You still have that 70% in growth, so it is still giving you a bit of growth, but, obviously, a little bit more defensive approach.\n\nChannel 1: Yeah.\n\nChannel 0: Now would you like me to add a add a reminder to kind of touch base\n\nChannel 1: Yeah.\n\nChannel 0: at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up? What would you prefer?\n\nChannel 1: You can put a reminder in,\n\nChannel 0: Yep.\n\nChannel 1: and, yeah, we can catch up at the end of the year. But if if it all ends up happening before\n\nChannel 0: Yes.\n\nChannel 1: the end of the year, obviously, I'll get in contact with you and sort something\n\nChannel 0: Yes.\n\nChannel 1: out then.\n\nChannel 0: Yeah. Alright. Perfect. We'll put a little reminder for kind of maybe first week of December.\n\nChannel 1: Yep.\n\nChannel 0: And then if yeah. Exactly like you said, if things do settled earlier, just give us a call or send me an email, and we can then definitely have a catch up as soon as everything kind of settled for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now, Anthony, do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So I have to send you an email with a couple of documents to go through if you can access that for me.\n\nChannel 1: Yep.\n\nChannel 0: Now we have recently changed software as well, so it might look a little bit different to what you are used to.\n\nChannel 1: Yep.\n\nChannel 0: It is kind of the same function where there should be an email directly from me, Veronica, and it will ask you to click on a link to sign. It will allow you to open up and look at all the documents first, though, before it would prompt\n\nChannel 1: Yep.\n\nChannel 0: you to sign anything just to make sure you're happy with everything first. Now can you see the first one there where it says super and insurance summary?\n\nChannel 1: I have, obviously, the it wants me to sign a document.\n\nChannel 0: Yep. So if you click on that link, it should then\n\nChannel 1: Yep.\n\nChannel 0: the next page allow you to look at everything first.\n\nChannel 1: Right. Yeah. Yep.\n\nChannel 0: Yeah. So can you see where does the first thing you look at say super summary of superannuation and insurances?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. So you have majority of your super in Hub 24. You then\n\nChannel 1: Yep.\n\nChannel 0: also have a little bit in, which is where you have your insurances.\n\nChannel 1: Yeah.\n\nChannel 0: Now the balance might be a little bit different because the the research we have is a little bit outdated because when we try to call CBAS through to do the research, they said that the addresses didn't match because we've just updated that for you.\n\nChannel 1: Yep.\n\nChannel 0: So we've just contacted them with your old address just for security verification and just waiting on them to kind of approve that before we can get some updated research. So if you have access to your SEVA, it might be a little bit different than that 16800And25 because that's where you do have your contributions going. Does that make sense?\n\nChannel 1: Yep. Yeah. Yep. Yep.\n\nChannel 0: Yep. Yep. And then you do have a little bit of insurances. Now it could change slightly to this figure here as well because this is the last we have, but you'll have life and total permanent disability. So life at around that 322 and total permanent disability of around two hundred and seventy.\n\nWe should hear back from CBA in the next couple of weeks, hopefully, within seven days or so. And if it is much different, we can always send you a rundown if you would like. If you wanna an updated kind of information how much you have in there, would you want that?\n\nChannel 1: Yeah. You could send that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That'd\n\nChannel 0: Yeah.\n\nChannel 1: be yep. Andy.\n\nChannel 0: So then you have it.\n\nChannel 1: Yep.\n\nChannel 0: And then at the end of the year as well, so, typically, what we would do, obviously, because you do keep your insurances in C bus, we wanna make sure you have enough money. And if you do remember your conversation with my colleague, Kyle, which is where I aim to have usually about 10 or so, just to make sure it literally covers insurances and and minimum. And then you\n\nChannel 1: Yep.\n\nChannel 0: want, obviously, majority in hub twenty four, which is going to give you the most amount of growth. So\n\nChannel 1: Yeah.\n\nChannel 0: kind of pending everything, would you prefer us to kind of hold off until the end of the year, obviously, seeing what's going to happen with your super and then do a potential rollover.\n\nChannel 1: Yeah. You can, yeah, you can do that. It'd be fine. Yeah. You can do the rollover at the end of the year or whatever depending on\n\nChannel 0: Yeah.\n\nChannel 1: whatever happens, obviously. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Just in case, especially with, like, fees and stuff, I don't want you paying fees for, you know, selling down, changing investments if you have to do it at the end of the year anyway.\n\nChannel 1: Yeah.\n\nChannel 0: And it's not too far away. So I'll put a little note here that when we do touch base in December, if not earlier, we will then\n\nChannel 1: Yeah.\n\nChannel 0: reassess if we do obviously, depending on what is happening to your super and then potentially do a bit of a reassessment on how much in each fund and then also potentially looking at increasing risk a little bit depending on what the outcome is.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Now if you can go to the next document for me, it should be your performance report with hub twenty four, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this one here might sometimes look a little bit messy, but it does show you all your investments, how they have performed over the last twelve months. Now the last twelve months, we have seen a bit of bit of fluctuations in the market with everything going on in the world. I'm sure you've seen on the news and stuff with, obviously, the war has caused a bit of market fluctuation and then also, obviously, everything that's going on in The US with Trump\n\nChannel 1: Yep.\n\nChannel 0: and Paris and everything. So it has seen a little bit of those fluctuations in the same\n\nChannel 1: Yeah.\n\nChannel 0: that those local portfolio has just done pretty good\n\nChannel 1: Yeah.\n\nChannel 0: despite kind of the market conditions, and it's still up by 6.58%.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you look at the second column to the right, can you see where it says internal rate of return? And it's like a percentage number. Basically, all the way to the left of the screen\n\nChannel 1: What was it? The internal right?\n\nChannel 0: of return, it's called. So it should be the second column to the right. So\n\nChannel 1: Yeah.\n\nChannel 0: almost just at the end. Yeah. Can you\n\nChannel 1: Yep.\n\nChannel 0: see those,\n\nChannel 1: Yep.\n\nChannel 0: like, percentages?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So that is showing you how the individual investments have performed over the last twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Right. Yep.\n\nChannel 0: the top one here is underperforming at the moment. So that one is down. All the others are positive, which is really\n\nChannel 1: Yep.\n\nChannel 0: good. Now what I would like to do, if you are happy to do so, is to look at changing that Bennelong investment for you\n\nChannel 1: Yep.\n\nChannel 0: because it has underperformed a little bit. Now with Benelung, the way that they kind of work is that it is a managed fund. So how it works is that they actively tryna buy and sell different investments in order to tryna outperform the market, And they\n\nChannel 1: Yep.\n\nChannel 0: have been very successful in doing so. But more recently, they've been a little bit slower in making those decisions. And one of the companies that they had invested in their portfolio was a company called the Corporate Travel Group. Have you ever did you ever hear about that at all? No.\n\nSo, essentially, that company, they had a bit of issues on their reporting, which actually meant that they were kind of suspended from trading. So because of that, obviously, everything fell a little bit, and it's kind of just on on hold. But what we can do, which is good, is we can still get you out of Bennelong because you are just invested in Bennelong. You are not invested in that company.\n\nChannel 1: Yeah.\n\nChannel 0: So, obviously, with investments, we we don't obviously day trade. It is your long term investment. But at the same time, we do wanna be proactive. And we'd have 24. There's hundreds of different options for us to choose from.\n\nAnd if there is an investment that is slightly underperforming at the moment and we don't foresee it coming back around, then we wanna look at potentially changing it.\n\nChannel 1: Yeah.\n\nChannel 0: So the investment committee have done a lot of research on the Benelung investment and have found another alternative,\n\nChannel 1: Yep.\n\nChannel 0: which is called the beta shift a 200. Have you ever heard of that before? No. Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market. Just another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations.\n\nChannel 1: Yep.\n\nChannel 0: The way that that one works, it's that it invests in the 200 largest companies listed in Australia. You'll have\n\nChannel 1: Yep.\n\nChannel 0: all the big banks and Woolworths and BHP. So it is very diversified because you are invested in the 200 largest. And as\n\nChannel 1: Yeah.\n\nChannel 0: a company kind of grows and gets bigger, added to the 200, and something smaller kind of falls out. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. So are you happy for us to do that one investment switch? Because I also don't want to leave that until the end of the year if it's gonna continue to kind of not perform\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah. Yeah. That's it. That's fine.\n\nChannel 0: Yeah. Yeah. Perfect. So what I will do is I will draft up something that's\n\nChannel 1: Yep.\n\nChannel 0: called a record of advice. I will email it to you. It's not something you have to sign, but it is just for your records to say that we have made that one change for you.\n\nChannel 1: Yeah. Right. Yeah.\n\nChannel 0: Yep. Perfect. And then we can obviously reassess everything in at the end of the year when we are looking at. But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon? So even\n\nChannel 1: Yep.\n\nChannel 0: if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Beautiful. Now do you have any questions so far, or is that pretty straightforward?\n\nChannel 1: It's all pretty straightforward. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Now next documents for me, what's that one?\n\nChannel 1: Vanguard index chart?\n\nChannel 0: Yep. Have you seen something like this before?\n\nChannel 1: I think so. I think I've seen one from, obviously, last year, maybe, or the year before. Yeah.\n\nChannel 0: Yeah. So it is something that we kind of like to include because it is just a good visual representation of what we are talking about when we're talking about the market. But it kind of shows you as a bit an overview.\n\nChannel 1: Yeah.\n\nChannel 0: It goes back from 1995, and this one goes through 2025. Vendor does\n\nChannel 1: Yep.\n\nChannel 0: release one every every year at the end of the financial year, so the new one should come out very soon. But\n\nChannel 1: Yep.\n\nChannel 0: it basically shows you that long term, the market always goes up. Short term, there will be some ups and downs and market fluctuations. It\n\nChannel 1: Yeah.\n\nChannel 0: also kind of breaks down the different asset classes. So we're throwing back to that balance growth portfolio that we have you in at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: That's where you have about 70% in your top four combined. So that's,\n\nChannel 1: Yeah.\n\nChannel 0: like, your\n\nChannel 1: Not\n\nChannel 0: US shares, which is, like, that light green. You have Australian shares, which is\n\nChannel 1: yet.\n\nChannel 0: your dark green, international shares, which is the yellow, and then the kind of maroon color, which is, like, your property.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So these are the ones you can see grow the most, also fluctuate the most, and that's why we do have about 30% or so in the defensive, which is, like, your bottom three.\n\nChannel 1: Yep.\n\nChannel 0: Just kind of making sure we stabilize those fluctuations a little bit for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now if you can press next for me, it should be our q services guide, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE. But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed. We've had a bit of an extension to the team, which is great.\n\nSo you'll see all the directors and advisers and everything in that document. Bit of updates from marketing, but none of the important information has changed.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now the next one after that, is that your ongoing service agreement?\n\nChannel 1: Financial service guide.\n\nChannel 0: Yep. And then\n\nChannel 1: Yep.\n\nChannel 0: after that one,\n\nChannel 1: Is the consent yeah. To the ongoing fee\n\nChannel 0: Yep. So that one here, same as last year, and it is just to say that you are happy to stay on as a client. Now, Anthony,\n\nChannel 1: arrangement.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: do wanna let you know that there's been no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so no changes there. And it\n\nChannel 1: Yep.\n\nChannel 0: is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. The fee gets deducted on a monthly basis to give you that flexibility. But by signing this document, it just allows us to manage all your investments and everything for you in the meantime. So if you're happy to do so, it will ask you for a little signature at the bottom there,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and then there should be one more after that.\n\nChannel 1: Do you want me to sign that now?\n\nChannel 0: If you are happy to do so.\n\nChannel 1: Yep.\n\nChannel 0: And all the documents afterwards will be saved so that you can download and go back and have a look at them if you want to as well. But if you do have any issues, you can always\n\nChannel 1: Yep.\n\nChannel 0: just let me know because we always keep a copy on file as well. And the next one, is that a tax file number form, does it say? Like, option to provide tax file number?\n\nChannel 1: One sec. I just do this.\n\nChannel 0: Yep. Sure. Take your time.\n\nChannel 1: Sorry. Textbook. Automatic book. Alright. That should be validating in.\n\nChannel 0: Yep. Perfect. So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file.\n\nChannel 1: Yep.\n\nChannel 0: And I will just update here and see if that came through okay. Now while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days. Again, it's just for your record. I will also get the team to email you your beneficiary just to get that one updated for you. You have 20\n\nChannel 1: Yep.\n\nChannel 0: four is still accurate, which is good, but we do wanna change your. And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well. Yep. Perfect. Now, Anthony, do you have any other questions for me before I let you go?\n\nAnd enjoy the rest of your afternoon otherwise.\n\nChannel 1: No. That was about it, really.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Obviously, yeah, there'll be other stuff that we need to go over later\n\nChannel 0: Yes.\n\nChannel 1: on down in in the year, but, yeah,\n\nChannel 0: Yes.\n\nChannel 1: until then,\n\nChannel 0: Okay.\n\nChannel 1: everything's pretty good.\n\nChannel 0: Yeah. Perfect. Well, I hope everything goes as well as it can during the mediation. We're always here if you do have any questions or you need anything.\n\nChannel 1: Yep.\n\nChannel 0: Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do. And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you.\n\nChannel 1: Yep. No.\n\nChannel 0: Yep. Perfect. I'll also sorry. Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Great. Well, if there's nothing else, I will leave you to it. Like I said, don't hesitate to give us a call if there's anything at all that we can do for you. Okay?\n\nChannel 1: Yep. No worries. Thank you very much.\n\nChannel 0: No problem at all. Well, thank you so much for your time today, Anthony. It was lovely speaking with you, and I look forward to speaking with you soon again.\n\nChannel 1: All good. Thank you very much.\n\nChannel 0: No worries. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.040067240595817566}],"sentiment":"neutral","sentiment_score":0.040067240595817566,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Good afternoon.","start":1.36,"end":2.08,"sentiment":"neutral","sentiment_score":0.2723703533411026},{"text":"Is this Anthony?","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.1275220438838005}],"sentiment":"neutral","sentiment_score":0.18546136766672133,"channel":0,"num_words":5,"start":1.36,"end":2.98},{"sentences":[{"text":"Yes.","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.1529037356376648}],"sentiment":"neutral","sentiment_score":0.1529037356376648,"channel":1,"num_words":1,"start":3.52,"end":4.02},{"sentences":[{"text":"This is Veronica from OQ Financial.","start":4.56,"end":6.58,"sentiment":"neutral","sentiment_score":0.1954908793171247},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.20508407056331635}],"sentiment":"neutral","sentiment_score":0.1986886097325219,"channel":0,"num_words":9,"start":4.56,"end":7.54},{"sentences":[{"text":"Not too bad, yourself.","start":7.68,"end":8.74,"sentiment":"positive","sentiment_score":0.37127622961997986}],"sentiment":"positive","sentiment_score":0.37127622961997986,"channel":1,"num_words":4,"start":7.68,"end":8.74},{"sentences":[{"text":"I'm good.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.6824767589569092},{"text":"Thank you.","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.7798594236373901},{"text":"I had you booked in to go over your annual review.","start":11.599999,"end":13.92,"sentiment":"positive","sentiment_score":0.4822588996453719},{"text":"Is now still a good time for you?","start":13.92,"end":15.555,"sentiment":"positive","sentiment_score":0.4234928898513317},{"text":"Yep.","start":17.315,"end":17.475,"sentiment":"neutral","sentiment_score":0.21621301770210263}],"sentiment":"positive","sentiment_score":0.4930698499083519,"channel":0,"num_words":24,"start":9.28,"end":17.475},{"sentences":[{"text":"Perfect.","start":17.475,"end":17.975,"sentiment":"positive","sentiment_score":0.38308998942375183},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.595001,"end":25.975,"sentiment":"neutral","sentiment_score":0.07544866127186808}],"sentiment":"neutral","sentiment_score":0.08570337221026421,"channel":0,"num_words":30,"start":17.475,"end":25.975},{"sentences":[{"text":"Yep.","start":26.595001,"end":27.095001,"sentiment":"neutral","sentiment_score":0.1095864474773407}],"sentiment":"neutral","sentiment_score":0.1095864474773407,"channel":1,"num_words":1,"start":26.595001,"end":27.095001},{"sentences":[{"text":"Yep.","start":27.314999,"end":27.63,"sentiment":"neutral","sentiment_score":0.16836252808570862},{"text":"Perfect.","start":27.869999,"end":28.269999,"sentiment":"positive","sentiment_score":0.424770712852478},{"text":"And I do have a password on file as well.","start":28.269999,"end":30.829998,"sentiment":"neutral","sentiment_score":0.22727544754743575},{"text":"Just for security, do you know what that might be?","start":30.829998,"end":33.25,"sentiment":"neutral","sentiment_score":0.09016951695084571}],"sentiment":"neutral","sentiment_score":0.1712537675418637,"channel":0,"num_words":22,"start":27.314999,"end":33.25},{"sentences":[{"text":"Yeah.","start":33.489998,"end":33.809998,"sentiment":"neutral","sentiment_score":0.08068584650754929},{"text":"It's Indy.","start":33.809998,"end":34.47,"sentiment":"neutral","sentiment_score":0.11923474073410034}],"sentiment":"neutral","sentiment_score":0.10638510932524999,"channel":1,"num_words":3,"start":33.489998,"end":34.47},{"sentences":[{"text":"Yep.","start":34.91,"end":35.41,"sentiment":"neutral","sentiment_score":0.16598547995090485},{"text":"Perfect.","start":35.55,"end":36.05,"sentiment":"positive","sentiment_score":0.3751346468925476},{"text":"And how's your day been so far?","start":36.269997,"end":37.699997,"sentiment":"neutral","sentiment_score":0.1849992722272873},{"text":"I've been busy.","start":37.699997,"end":38.769997,"sentiment":"neutral","sentiment_score":-0.04401091610391935}],"sentiment":"neutral","sentiment_score":0.14200685701022545,"channel":0,"num_words":12,"start":34.91,"end":38.769997},{"sentences":[{"text":"Yeah.","start":39.57,"end":39.89,"sentiment":"neutral","sentiment_score":0.03196506202220917},{"text":"I've been doing a little bit, but not not not too crazy.","start":39.89,"end":44.485,"sentiment":"neutral","sentiment_score":0.02792353214075168}],"sentiment":"neutral","sentiment_score":0.02823441905470995,"channel":1,"num_words":13,"start":39.57,"end":44.485},{"sentences":[{"text":"Oh, well, that's good.","start":45.005,"end":46.045,"sentiment":"positive","sentiment_score":0.35024402290582657},{"text":"Well, I will try not to keep you for too long, Anthony.","start":46.045,"end":48.705,"sentiment":"neutral","sentiment_score":0.06783620764811833}],"sentiment":"neutral","sentiment_score":0.1384381614625454,"channel":0,"num_words":16,"start":45.005,"end":48.705},{"sentences":[{"text":"Yep.","start":49.184998,"end":49.684998,"sentiment":"neutral","sentiment_score":0.07856935262680054}],"sentiment":"neutral","sentiment_score":0.07856935262680054,"channel":1,"num_words":1,"start":49.184998,"end":49.684998},{"sentences":[{"text":"But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's 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top one here is underperforming at the moment.","start":1158.97,"end":1162.57,"sentiment":"neutral","sentiment_score":-0.16430882033374575},{"text":"So that one is down.","start":1162.57,"end":1164.03,"sentiment":"neutral","sentiment_score":-0.18458053171634675},{"text":"All the others are positive, which is really","start":1164.41,"end":1167.0499,"sentiment":"neutral","sentiment_score":0.3256992381066084}],"sentiment":"neutral","sentiment_score":0.009268721057610079,"channel":0,"num_words":22,"start":1158.97,"end":1167.0499},{"sentences":[{"text":"Yep.","start":1166.9651,"end":1167.4651,"sentiment":"positive","sentiment_score":0.33427438139915466}],"sentiment":"positive","sentiment_score":0.33427438139915466,"channel":1,"num_words":1,"start":1166.9651,"end":1167.4651},{"sentences":[{"text":"good.","start":1167.0499,"end":1167.5499,"sentiment":"positive","sentiment_score":0.4184459447860718},{"text":"Now what I would like to do, if you are happy to do so, is to look at changing that 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alternative,","start":1264.1001,"end":1270.4401,"sentiment":"neutral","sentiment_score":0.06415381086500067}],"sentiment":"neutral","sentiment_score":0.06415381086500067,"channel":0,"num_words":19,"start":1264.1001,"end":1270.4401},{"sentences":[{"text":"Yep.","start":1271.25,"end":1271.75,"sentiment":"neutral","sentiment_score":0.10655789077281952}],"sentiment":"neutral","sentiment_score":0.10655789077281952,"channel":1,"num_words":1,"start":1271.25,"end":1271.75},{"sentences":[{"text":"which is called the beta shift a 200.","start":1271.38,"end":1275.0,"sentiment":"neutral","sentiment_score":0.10019741114228964},{"text":"Have you ever heard of that before?","start":1275.06,"end":1276.6001,"sentiment":"neutral","sentiment_score":0.030189227978033677},{"text":"No.","start":1278.725,"end":1279.225,"sentiment":"neutral","sentiment_score":-0.07542824745178223},{"text":"Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market.","start":1279.285,"end":1286.745,"sentiment":"neutral","sentiment_score":0.02629945158130593},{"text":"Just another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations.","start":1286.885,"end":1293.64,"sentiment":"neutral","sentiment_score":0.20453390975793204}],"sentiment":"neutral","sentiment_score":0.10242823419560279,"channel":0,"num_words":70,"start":1271.38,"end":1293.64},{"sentences":[{"text":"Yep.","start":1294.63,"end":1295.13,"sentiment":"neutral","sentiment_score":0.1619831621646881}],"sentiment":"neutral","sentiment_score":0.1619831621646881,"channel":1,"num_words":1,"start":1294.63,"end":1295.13},{"sentences":[{"text":"The way that that one works, it's that it invests in the 200 largest companies listed in Australia.","start":1295.3,"end":1301.72,"sentiment":"neutral","sentiment_score":0.18434691263569725},{"text":"You'll 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at.","start":1353.01,"end":1360.47,"sentiment":"neutral","sentiment_score":0.18002608849814064},{"text":"But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon?","start":1360.565,"end":1367.625,"sentiment":"neutral","sentiment_score":-0.014211058885288926},{"text":"So even","start":1367.9249,"end":1368.405,"sentiment":"neutral","sentiment_score":-0.0121221374720335}],"sentiment":"neutral","sentiment_score":0.07587822854556904,"channel":0,"num_words":49,"start":1351.49,"end":1368.405},{"sentences":[{"text":"Yep.","start":1368.225,"end":1368.725,"sentiment":"neutral","sentiment_score":-0.0396798811852932}],"sentiment":"neutral","sentiment_score":-0.0396798811852932,"channel":1,"num_words":1,"start":1368.225,"end":1368.725},{"sentences":[{"text":"if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as 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OQE.","start":1494.3,"end":1508.965,"sentiment":"neutral","sentiment_score":0.16255824397816215},{"text":"But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed.","start":1509.4601,"end":1518.28,"sentiment":"neutral","sentiment_score":0.23529951319550024},{"text":"We've had a bit of an extension to the team, which is great.","start":1518.5801,"end":1521.795,"sentiment":"positive","sentiment_score":0.6961143612861633}],"sentiment":"neutral","sentiment_score":0.2635669715211287,"channel":0,"num_words":91,"start":1493.18,"end":1521.795},{"sentences":[{"text":"So you'll see all the directors and advisers and everything in that document.","start":1522.3551,"end":1526.055,"sentiment":"positive","sentiment_score":0.509645897608537},{"text":"Bit of updates from marketing, but none of the important information has 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you know that there's been no changes whatsoever in regards to the fee structure.","start":1560.975,"end":1566.1799,"sentiment":"neutral","sentiment_score":0.19216012516442468},{"text":"So that stays exactly the same at 1.65 from super, so no changes there.","start":1566.5599,"end":1572.98,"sentiment":"neutral","sentiment_score":0.29457198296274456},{"text":"And it","start":1573.2,"end":1573.52,"sentiment":"neutral","sentiment_score":0.20342270284891129}],"sentiment":"neutral","sentiment_score":0.2362901604536808,"channel":0,"num_words":33,"start":1560.975,"end":1573.52},{"sentences":[{"text":"Yep.","start":1573.51,"end":1574.01,"sentiment":"neutral","sentiment_score":0.16155920922756195}],"sentiment":"neutral","sentiment_score":0.16155920922756195,"channel":1,"num_words":1,"start":1573.51,"end":1574.01},{"sentences":[{"text":"is not a lock in contract.","start":1573.52,"end":1575.2,"sentiment":"neutral","sentiment_score":0.0369386300444603},{"text":"So if at any point in time you are 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the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well.","start":1707.23,"end":1721.125,"sentiment":"neutral","sentiment_score":0.1232672216636794},{"text":"Yep.","start":1723.1051,"end":1723.505,"sentiment":"neutral","sentiment_score":0.24292895197868347},{"text":"Perfect.","start":1723.505,"end":1724.005,"sentiment":"positive","sentiment_score":0.4679053723812103},{"text":"Now, Anthony, do you have any other questions for me before I let you go?","start":1724.145,"end":1728.805,"sentiment":"neutral","sentiment_score":0.2900758862495422}],"sentiment":"neutral","sentiment_score":0.16977439047415047,"channel":0,"num_words":79,"start":1703.15,"end":1728.805},{"sentences":[{"text":"And enjoy the rest of your afternoon 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fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well.","start":1772.6449,"end":1783.14,"sentiment":"neutral","sentiment_score":0.1513141056522727}],"sentiment":"neutral","sentiment_score":0.14400475290086534,"channel":0,"num_words":45,"start":1770.725,"end":1783.14},{"sentences":[{"text":"Yep.","start":1783.6,"end":1783.965,"sentiment":"neutral","sentiment_score":0.12300144881010056}],"sentiment":"neutral","sentiment_score":0.12300144881010056,"channel":1,"num_words":1,"start":1783.6,"end":1783.965},{"sentences":[{"text":"Yep.","start":1784.5,"end":1785.0,"sentiment":"neutral","sentiment_score":0.18097977340221405},{"text":"Great.","start":1785.06,"end":1785.56,"sentiment":"positive","sentiment_score":0.7194970846176147},{"text":"Well, if there's nothing else, I will leave you to it.","start":1786.5,"end":1789.62,"sentiment":"positive","sentiment_score":0.35771227966655383},{"text":"Like I said, don't hesitate to give us a call if there's anything at all that we can do for you.","start":1789.62,"end":1794.18,"sentiment":"neutral","sentiment_score":0.3033713343597594},{"text":"Okay?","start":1794.18,"end":1794.68,"sentiment":"neutral","sentiment_score":0.12479189038276672}],"sentiment":"neutral","sentiment_score":0.32374005275113243,"channel":0,"num_words":35,"start":1784.5,"end":1794.68},{"sentences":[{"text":"Yep.","start":1794.765,"end":1795.005,"sentiment":"neutral","sentiment_score":0.17923370003700256},{"text":"No worries.","start":1795.005,"end":1795.565,"sentiment":"positive","sentiment_score":0.36883531510829926},{"text":"Thank you very much.","start":1795.565,"end":1796.43,"sentiment":"positive","sentiment_score":0.7516932487487793}],"sentiment":"positive","sentiment_score":0.5605253321783883,"channel":1,"num_words":7,"start":1794.765,"end":1796.43},{"sentences":[{"text":"No problem at all.","start":1796.915,"end":1797.7151,"sentiment":"positive","sentiment_score":0.5712658315896988},{"text":"Well, thank you so much for your time today, Anthony.","start":1797.7151,"end":1799.555,"sentiment":"positive","sentiment_score":0.823822945356369},{"text":"It was lovely speaking with you, and I look forward to speaking with you soon again.","start":1799.555,"end":1802.855,"sentiment":"positive","sentiment_score":0.8696625158190727}],"sentiment":"positive","sentiment_score":0.814596434434255,"channel":0,"num_words":30,"start":1796.915,"end":1802.855},{"sentences":[{"text":"All good.","start":1803.15,"end":1803.55,"sentiment":"positive","sentiment_score":0.7940509021282196},{"text":"Thank you very much.","start":1803.55,"end":1804.6101,"sentiment":"positive","sentiment_score":0.7985523343086243}],"sentiment":"positive","sentiment_score":0.797051856915156,"channel":1,"num_words":6,"start":1803.15,"end":1804.6101},{"sentences":[{"text":"No worries.","start":1804.995,"end":1805.475,"sentiment":"neutral","sentiment_score":0.2966204881668091},{"text":"We'll speak soon.","start":1805.475,"end":1806.4551,"sentiment":"neutral","sentiment_score":0.30401886999607086}],"sentiment":"neutral","sentiment_score":0.30105951726436614,"channel":0,"num_words":5,"start":1804.995,"end":1806.4551},{"sentences":[{"text":"Bye.","start":1806.75,"end":1807.25,"sentiment":"neutral","sentiment_score":0.18287336826324463}],"sentiment":"neutral","sentiment_score":0.18287336826324463,"channel":1,"num_words":1,"start":1806.75,"end":1807.25},{"sentences":[{"text":"Bye.","start":1807.795,"end":1808.295,"sentiment":"neutral","sentiment_score":-0.1101900115609169}],"sentiment":"neutral","sentiment_score":-0.1101900115609169,"channel":0,"num_words":1,"start":1807.795,"end":1808.295}]},"summary":{"result":"success","short":"Representatives from OQ Financial called Anthony to go over his annual review and asked about his goals for the review and if he wanted to focus on anything specific. The representative also asked about his current assets and employment status. The customer discussed selling their property and adding a lawyer to their investment portfolio. The agent discussed the balanced growth plan and provided advice on changing investments and risk tolerance. The agent also gave advice on a new investment switch and provided information on a financial services guide and consent to ongoing fees. The agent reminded the customer to call if they have any questions or concerns and provided information on compliance and fees."},"intents":{"segments":[{"text":"At the moment, I have a Crystal nominated. Is that still the case, or do you wanna nominate someone else? No.","start_word":365,"end_word":385,"intents":[{"intent":"Nominate someone","confidence_score":0.21495983}]},{"text":"I'd like to just put my mother. Yeah.","start_word":394,"end_word":401,"intents":[{"intent":"Place mother","confidence_score":0.13272199}]},{"text":"And her her name, please? Lexie, l e x I e. Perfect. And same last name as you? Yep. Yes. Perfect. And best contact number?","start_word":471,"end_word":495,"intents":[{"intent":"Update contact info","confidence_score":0.00040798215}]},{"text":"Now I do wanna just kind of go through a bit of a fact find just to see if there's anything else that's kind of changed. And, obviously, I understand if if assets and stuff are kind of up in the air at the moment. Is that something you have settled on? Do you know are you keeping the property? Do you know what's happening with the assets?","start_word":510,"end_word":577,"intents":[{"intent":"Find asset split","confidence_score":0.0018350728}]},{"text":"Do you know are you keeping the property? Do you know what's happening with the assets?","start_word":562,"end_word":577,"intents":[{"intent":"Check property status","confidence_score":0.04460131}]},{"text":"We we're going through mediation. So there's Okay. myself, my ex, the mediator, and there'll be a lawyer as well in there. Okay.","start_word":677,"end_word":699,"intents":[{"intent":"Assist with mediation process","confidence_score":0.35762432}]},{"text":"their Do they have, like, an an EBA or anything like that? Like, they would just end. pay you the standard rates? Yep.","start_word":1071,"end_word":1093,"intents":[{"intent":"Inquire about rates","confidence_score":0.010444415}]},{"text":"I think they pay it monthly, I think. You know? Yeah. Yeah.","start_word":1100,"end_word":1111,"intents":[{"intent":"Confirm payment method","confidence_score":0.17414165},{"intent":"Confirm payment","confidence_score":0.06400354}]},{"text":"That's a four notch size. 100. Yeah. Right?","start_word":1167,"end_word":1174,"intents":[{"intent":"Confirm size","confidence_score":0.21972355}]},{"text":"And are you maintaining that at the moment? Yep. Okay.","start_word":1178,"end_word":1187,"intents":[{"intent":"Confirm identity","confidence_score":0.017343022}]},{"text":"This that that one's mine. She has her own. Okay.","start_word":1211,"end_word":1220,"intents":[{"intent":"Confirm ownership of assets","confidence_score":0.029284801}]},{"text":"And do you have private health insurance? Yeah.","start_word":1311,"end_word":1318,"intents":[{"intent":"Inquire about health insurance coverage","confidence_score":0.014565074},{"intent":"Confirm health insurance coverage","confidence_score":0.020021552}]},{"text":"you like us to send you forms to get that updated as well? Yeah.","start_word":1371,"end_word":1384,"intents":[{"intent":"Update forms","confidence_score":0.020245623},{"intent":"Request request to send forms","confidence_score":0.00023334399}]},{"text":"Is there anything specific you are working towards, or is it all kind of just pending until everything's finalized? Yeah.","start_word":1493,"end_word":1512,"intents":[{"intent":"Discuss topics","confidence_score":0.008394731}]},{"text":"at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up? What would you prefer?","start_word":1841,"end_word":1875,"intents":[{"intent":"Schedule a catch up","confidence_score":0.12333195}]},{"text":"So you have majority of your super in Hub 24. You then Yep. also have a little bit in, which is where you have your insurances. Yeah.","start_word":2185,"end_word":2211,"intents":[{"intent":"Update insurance information","confidence_score":0.11272412}]},{"text":"want, obviously, majority in hub twenty four, which is going to give you the most amount of growth. So Yeah.","start_word":2521,"end_word":2540,"intents":[{"intent":"Plan portfolio growth","confidence_score":0.04194248}]},{"text":"So that is showing you how the individual investments have performed over the last twelve months. Yeah. Now Right. Yep. the top one here is underperforming at the moment. So that one is down. All the others are positive, which is really Yep. good.","start_word":2950,"end_word":2993,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.0025728734}]},{"text":"So this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE.","start_word":3921,"end_word":3963,"intents":[{"intent":"Inform about compliance documents","confidence_score":0.021915583}]},{"text":"So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file. Yep.","start_word":4333,"end_word":4360,"intents":[{"intent":"Update health information","confidence_score":0.00017422314}]},{"text":"And I will just update here and see if that came through okay. Now while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days. Again, it's just for your record. I will also get the team to email you your beneficiary just to get that one updated for you.","start_word":4361,"end_word":4442,"intents":[{"intent":"Update information","confidence_score":0.025913231}]},{"text":"I will also get the team to email you your beneficiary just to get that one updated for you. You have 20 Yep.","start_word":4424,"end_word":4446,"intents":[{"intent":"Update beneficiary","confidence_score":0.438861}]},{"text":"And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well. Yep.","start_word":4460,"end_word":4509,"intents":[{"intent":"Reassessment information","confidence_score":0.030228766}]},{"text":"Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do. And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you. Yep.","start_word":4600,"end_word":4647,"intents":[{"intent":"Book follow-up","confidence_score":0.075492695}]},{"text":"I'll also sorry. Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well.","start_word":4651,"end_word":4693,"intents":[{"intent":"Provide fee","confidence_score":0.13865869}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Anthony? Yes. This is Veronica from OQ Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.17654624581336975},{"text":"Not too bad, yourself. I'm good. Thank you. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":16,"end_word":42,"sentiment":"positive","sentiment_score":0.4959640204906464},{"text":"Yep.","start_word":43,"end_word":43,"sentiment":"neutral","sentiment_score":0.21621301770210263},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.38308998942375183},{"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. Yep. Yep.","start_word":45,"end_word":75,"sentiment":"neutral","sentiment_score":0.08706817030906677},{"text":"Perfect.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.424770712852478},{"text":"And I do have a password on file as well. Just for security, do you know what that might be? Yeah. It's Indy. Yep.","start_word":77,"end_word":100,"sentiment":"neutral","sentiment_score":0.14712631702423096},{"text":"Perfect.","start_word":101,"end_word":101,"sentiment":"positive","sentiment_score":0.3751346468925476},{"text":"And how's your day been so far? I've been busy. Yeah. I've been doing a little bit, but not not not too crazy.","start_word":102,"end_word":124,"sentiment":"neutral","sentiment_score":0.06199664995074272},{"text":"Oh, well, that's good.","start_word":125,"end_word":128,"sentiment":"positive","sentiment_score":0.35790154337882996},{"text":"Well, I will try not to keep you for too long, Anthony. Yep. But before I kind of do jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up and see kind of where everything's at? Yeah. It's just more so a, catch up really at this point. Yep. There will be a few things down the track that I will get on to use about later. It's just to do with separation and divorce and Alright. stuff like that. And when I get and when we when I gotta sort my Subaru and stuff out through that. Yep. Yep. Yeah. Okay. Perfect. And do you know how far away everything is settled? Probably towards the end of the year, I'd say. Okay. Yeah. No worries. Obviously, when when things are a bit more sure of what's happening, Yeah. just let us know, and then we can obviously guide you through the process. And then if we need to make any, you know, tweaks or changes to anything depending, obviously, the the outcome. Yeah. Yep. Perfect. Now in the meantime, though, I do wanna make sure that we have everything correct for you. So next up, Ken. At the moment, I have a Crystal nominated. Is that still the case, or do you wanna nominate someone else? No. It won't be crystal anymore. It'll be Mhmm. I'd like to just put my mother. Yeah. And next up can can literally be anybody. It is it's not someone that gets access to anything. It is just someone that if, for some reason, we cannot get in touch with you at all, Yeah. it Yeah. is just someone we can call just to make sure that you're okay. So that Yeah. can be anyone. Yeah. Yeah. Yeah. I'll just put Alright. my mother. Okay. Yeah. And her her name, please? Lexie, l e x I e. Perfect. And same last name as you? Yep. Yes. Perfect. And best contact number? 0407 Yep. 289 Two eight nine. Yep. 433. 433. Beautiful.","start_word":129,"end_word":505,"sentiment":"neutral","sentiment_score":0.025436632263545807},{"text":"Thank you so much.","start_word":506,"end_word":509,"sentiment":"positive","sentiment_score":0.6949737668037415},{"text":"Now I do wanna just kind of go through a bit of a fact find just to see if there's anything else that's kind of changed. And, obviously, I understand if if assets and stuff are kind of up in the air at the moment. Is that something you have settled on? Do you know are you keeping the property? Do you know what's happening with the assets? Mhmm. Well, at the moment, the app isn't on the market yet. Okay. Still in the process of getting that ready for sale and everything. But the house will be sold, and assets will be split. Yeah. Yep. And do you know if, obviously, when you sell the property, will you just kind of split that between the two of you? Well, the hope is that we go fifty fifty in it, but Yep. whether that happens, I'm not a 100% sure. Okay. And do you have, like, a lawyer or someone to assist you through this process? Yeah. We we're going through mediation. So there's Okay. myself, my ex, the mediator, and there'll be a lawyer as well in there. Okay. Okay. So when No.","start_word":510,"end_word":703,"sentiment":"neutral","sentiment_score":-0.057982321828603745},{"text":"we That's when we good.","start_word":704,"end_word":708,"sentiment":"positive","sentiment_score":0.3725101053714752},{"text":"do it, there will be a lawyer present there. Yeah. Okay.","start_word":709,"end_word":719,"sentiment":"neutral","sentiment_score":0.13550704717636108},{"text":"Perfect. Now that is good.","start_word":720,"end_word":724,"sentiment":"positive","sentiment_score":0.4574074149131775},{"text":"Otherwise, are you, for the time being, still at the same address, the 7 McIntyre Circuit, or do you have another No. postal address? I'm on my living with my Okay. And do mother you would you like me to let at me just check that we haven't already updated the that. The moment. 61 Lincoln Parkway, is that Yeah. the That the right yep. yeah. Yeah. Alright. That's So correct. if if we need to post anything through you, you're happy for it to be sent to that address? Yep. Yeah. Okay. Perfect. Employment Can you do can you can I give you a what? PO box? Yeah. You can. Yeah. Yeah. PO Box 6190. 6190. Press double Yep. And is there an address and stuff with a 2? o. There Did have it. Oops. I think it's 814 Not a 100% sure what the actual address is. Okay. That's okay. Otherwise, do you have access to your printer at all? Yep. Yes. Okay. Because what we can even do in, like, in the meantime for you is that anything we do need to post that, which usually isn't too many things, Yep. we could just email it through you right now. That way, you will get it. And then when you have a moment, you can obviously print. If it needs to be wet signed by pen, you can just print it and then scan it and send it back, if Yep. that would be a bit easier for the time being. Yeah. That should be fine. Yep. Okay. Perfect. Otherwise, when it comes to your employment, has any of that changed, or No. are you still not so still working as a track maintainer? Yep. Beautiful. And income I have at around a 110,000. Is that still the case? Yep. Yeah. Pretty much. Yep.","start_word":725,"end_word":1031,"sentiment":"neutral","sentiment_score":0.06596238911151886},{"text":"Perfect.","start_word":1032,"end_word":1032,"sentiment":"positive","sentiment_score":0.3764665126800537},{"text":"And they just pay you that standard 12% contribution into super. Right? Like, there's no additional I I salary sacrifice 200. yep.","start_word":1033,"end_word":1054,"sentiment":"neutral","sentiment_score":0.18222107297994872},{"text":"Perfect.","start_word":1055,"end_word":1055,"sentiment":"positive","sentiment_score":0.5832679271697998},{"text":"And, yeah, they just put whatever they put in Just like this then. on Yeah. their Do they have, like, an an EBA or anything like that? Like, they would just end. pay you the standard rates? Yep. Yep. Yeah.","start_word":1056,"end_word":1095,"sentiment":"neutral","sentiment_score":0.04692750424146652},{"text":"Perfect.","start_word":1096,"end_word":1096,"sentiment":"positive","sentiment_score":0.4031132161617279},{"text":"I believe it. I think they pay it monthly, I think. You know? Yeah. Yeah. And that's how you get paid as well? No. I get paid fortnightly, but sometimes the super goes in one big amount. Yeah. Yes. So I think they hold off and do it monthly. Okay. Yeah. And with the 200 salary sacrifice that you do sorry. Did you say that was per week or fortnight? That's a four notch size. 100. Yeah. Right? Yeah. Yeah. Perfect. And are you maintaining that at the moment? Yep. Okay. Perfect. With the motor vehicle, is that also something you guys are splitting, or is that one yours, the one for 28,000? No. This that that one's mine. She has her own. Okay. And That one's completely yours. yeah. Yep. Perfect. And you don't have anything owing on that one, do you? No. No. Okay. Beautiful. Any other assets in your name otherwise that we haven't kind of gone through? No. No. Okay. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. Yep. And have you had any significant health issues or injuries or any changes to anything in the last twelve months? No. Not really. No. Okay. Perfect. And do you have private health insurance? Yeah. Yep. Now with contrib with the beneficiary forms into superannuation as well, when it comes to your hub twenty four, we do have your three children nominated, Saharla, Mackenzie, and Remi. Yep. That's Yep. still the case? Yep.","start_word":1097,"end_word":1356,"sentiment":"neutral","sentiment_score":0.02634809911251068},{"text":"Beautiful.","start_word":1357,"end_word":1357,"sentiment":"positive","sentiment_score":0.3749513626098633},{"text":"It does look like on, we still have Crystal nominated. Yep. Would Alright. you like us to send you forms to get that updated as well? Yeah. I will. Yeah. Yep. Alright. I will get the team to email you those forms. That is one that has to be printed and web signed. And then when you have a moment, just scan it and send it back, and we'll get that sorted with Cbus for you. Yep. No worries.","start_word":1358,"end_word":1436,"sentiment":"neutral","sentiment_score":0.12775563542978674},{"text":"Perfect.","start_word":1437,"end_word":1437,"sentiment":"positive","sentiment_score":0.6115398406982422},{"text":"Otherwise, usually, during annual review, it's a good time to kind of touch base and see what your goals are, what you're working towards, or kind of the next focus for the next twelve months. But, obviously, right now, I understand it's kind of probably a little bit up in the air Yep. with everything. Is there anything specific you are working towards, or is it all kind of just pending until everything's finalized? Yeah. It's sort of all pending on that. At this point, Yeah. Yeah. I'm obviously, my main concern is obviously selling a house and getting my own place. Yes. And are you planning on buying something yourself? So Yeah. Yeah. I am. Yep. Yeah. Okay.","start_word":1438,"end_word":1556,"sentiment":"neutral","sentiment_score":0.07171234488487244},{"text":"Great.","start_word":1557,"end_word":1557,"sentiment":"positive","sentiment_score":0.4758000671863556},{"text":"And when it comes to superannuation as well, so how your money is currently invested in, We have you at the moment invested in a balanced growth portfolio. And I know fairly recently at the end of last year, you kinda went through a pretty extensive research process with my colleague, Kyle, Yeah. and that you did came out as that balanced growth in the rest of do you remember that? Yeah. Yep. Beautiful. Has your risk tolerance or how you feel about market fluctuations or anything changed, or would you say it's pretty much the same? It's pretty much the same. I think, obviously, once everything happens with the with the assets Yes. and stuff like that and the potential super loss of super, Yep. Yep. I think I might I might change it then to try and Yes. make up what I lost or Yep. what I Yep. potentially will will lose. Yep. So I might I might put it into a more aggressive Yep. level. Yep. Yep. Yeah. Until then, I'll I'll I'll I'll I'll happy just to leave it where it is Yeah. and Okay.","start_word":1558,"end_word":1746,"sentiment":"neutral","sentiment_score":0.029233692213892937},{"text":"Perfect.","start_word":1747,"end_word":1747,"sentiment":"positive","sentiment_score":0.38849347829818726},{"text":"bring down it up. Yeah. Yeah.","start_word":1748,"end_word":1753,"sentiment":"neutral","sentiment_score":0.07657591253519058},{"text":"And that sounds like a pretty good plan as well.","start_word":1754,"end_word":1763,"sentiment":"positive","sentiment_score":0.6901208162307739},{"text":"And and where things are at the moment, like, it is that balanced growth where, yes, you do have a bit Yeah. of that conservative element, but it is about 30 in your defensive. You still have that 70% in growth, so it is still giving you a bit of growth, but, obviously, a little bit more defensive approach. Yeah. Now would you like me to add a add a reminder to kind of touch base Yeah. at the end of the year and seeing how things are going, or would you prefer to reach out when things are are kinda finalized and then do a catch up? What would you prefer? You can put a reminder in, Yep. and, yeah, we can catch up at the end of the year. But if if it all ends up happening before Yes. the end of the year, obviously, I'll get in contact with you and sort something Yes. out then. Yeah. Alright.","start_word":1764,"end_word":1924,"sentiment":"neutral","sentiment_score":0.10601456463336945},{"text":"Perfect.","start_word":1925,"end_word":1925,"sentiment":"positive","sentiment_score":0.5315511226654053},{"text":"We'll put a little reminder for kind of maybe first week of December. Yep. And then if yeah. Exactly like you said, if things do settled earlier, just give us a call or send me an email, and we can then definitely have a catch up as soon as everything kind of settled for you. Yep. No worries. Yep.","start_word":1926,"end_word":1984,"sentiment":"neutral","sentiment_score":0.23636822402477264},{"text":"Perfect.","start_word":1985,"end_word":1985,"sentiment":"positive","sentiment_score":0.3470473885536194},{"text":"Now, Anthony, do you have access to your emails at the moment? Yep. Yep. Okay. So I have to send you an email with a couple of documents to go through if you can access that for me. Yep. Now we have recently changed software as well, so it might look a little bit different to what you are used to. Yep. It is kind of the same function where there should be an email directly from me, Veronica, and it will ask you to click on a link to sign. It will allow you to open up and look at all the documents first, though, before it would prompt Yep. you to sign anything just to make sure you're happy with everything first. Now can you see the first one there where it says super and insurance summary? I have, obviously, the it wants me to sign a document. Yep. So if you click on that link, it should then Yep. the next page allow you to look at everything first. Right. Yeah. Yep. Yeah. So can you see where does the first thing you look at say super summary of superannuation and insurances? Yep. Yeah.","start_word":1986,"end_word":2182,"sentiment":"neutral","sentiment_score":0.07140694259840825},{"text":"Okay. Perfect. So you have majority of your super in Hub 24.","start_word":2183,"end_word":2194,"sentiment":"positive","sentiment_score":0.4204297959804535},{"text":"You then Yep. also have a little bit in, which is where you have your insurances. Yeah. Now the balance might be a little bit different because the the research we have is a little bit outdated because when we try to call CBAS through to do the research, they said that the addresses didn't match because we've just updated that for you. Yep. So we've just contacted them with your old address just for security verification and just waiting on them to kind of approve that before we can get some updated research. So if you have access to your SEVA, it might be a little bit different than that 16800And25 because that's where you do have your contributions going. Does that make sense? Yep. Yeah. Yep. Yep. Yep. Yep. And then you do have a little bit of insurances. Now it could change slightly to this figure here as well because this is the last we have, but you'll have life and total permanent disability. So life at around that 322 and total permanent disability of around two hundred and seventy. We should hear back from CBA in the next couple of weeks, hopefully, within seven days or so. And if it is much different, we can always send you a rundown if you would like. If you wanna an updated kind of information how much you have in there, would you want that? Yeah. You could send that. Yeah. Yeah. That'd Yeah. be yep. Andy. So then you have it. Yep. And then at the end of the year as well, so, typically, what we would do, obviously, because you do keep your insurances in C bus, we wanna make sure you have enough money. And if you do remember your conversation with my colleague, Kyle, which is where I aim to have usually about 10 or so, just to make sure it literally covers insurances and and minimum. And then you Yep. want, obviously, majority in hub twenty four, which is going to give you the most amount of growth. So Yeah. kind of pending everything, would you prefer us to kind of hold off until the end of the year, obviously, seeing what's going to happen with your super and then do a potential rollover. Yeah. You can, yeah, you can do that. It'd be fine. Yeah. You can do the rollover at the end of the year or whatever depending on Yeah. whatever happens, obviously. But Yeah. yeah. Just in case, especially with, like, fees and stuff, I don't want you paying fees for, you know, selling down, changing investments if you have to do it at the end of the year anyway. Yeah. And it's not too far away. So I'll put a little note here that when we do touch base in December, if not earlier, we will then Yeah. reassess if we do obviously, depending on what is happening to your super and then potentially do a bit of a reassessment on how much in each fund and then also potentially looking at increasing risk a little bit depending on what the outcome is. Yeah. Yep.","start_word":2195,"end_word":2719,"sentiment":"neutral","sentiment_score":0.010759984978607725},{"text":"Beautiful.","start_word":2720,"end_word":2720,"sentiment":"positive","sentiment_score":0.5777515769004822},{"text":"Now if you can go to the next document for me, it should be your performance report with hub twenty four, I believe. Yep. Yep.","start_word":2721,"end_word":2745,"sentiment":"neutral","sentiment_score":0.239745631814003},{"text":"Perfect.","start_word":2746,"end_word":2746,"sentiment":"positive","sentiment_score":0.47091275453567505},{"text":"So this one here might sometimes look a little bit messy, but it does show you all your investments, how they have performed over the last twelve months. Now the last twelve months, we have seen a bit of bit of fluctuations in the market with everything going on in the world. I'm sure you've seen on the news and stuff with, obviously, the war has caused a bit of market fluctuation and then also, obviously, everything that's going on in The US with Trump Yep. and Paris and everything. So it has seen a little bit of those fluctuations in the same Yeah.","start_word":2747,"end_word":2850,"sentiment":"neutral","sentiment_score":0.040473368018865585},{"text":"that those local portfolio has just done pretty good Yeah.","start_word":2851,"end_word":2860,"sentiment":"positive","sentiment_score":0.40922093391418457},{"text":"despite kind of the market conditions, and it's still up by 6.58%. Yeah. Now if you look at the second column to the right, can you see where it says internal rate of return? And it's like a percentage number. Basically, all the way to the left of the screen What was it? The internal right? of return, it's called. So it should be the second column to the right. So Yeah. almost just at the end. Yeah. Can you Yep. see those, Yep. like, percentages? Yep. Yep.","start_word":2861,"end_word":2948,"sentiment":"neutral","sentiment_score":0.05406248942017555},{"text":"Perfect.","start_word":2949,"end_word":2949,"sentiment":"positive","sentiment_score":0.5541346073150635},{"text":"So that is showing you how the individual investments have performed over the last twelve months. Yeah. Now Right. Yep. the top one here is underperforming at the moment. So that one is down. All the others are positive, which is really Yep.","start_word":2950,"end_word":2992,"sentiment":"neutral","sentiment_score":0.1301528960466385},{"text":"good.","start_word":2993,"end_word":2993,"sentiment":"positive","sentiment_score":0.4184459447860718},{"text":"Now what I would like to do, if you are happy to do so, is to look at changing that Bennelong investment for you Yep. because it has underperformed a little bit. Now with Benelung, the way that they kind of work is that it is a managed fund. So how it works is that they actively tryna buy and sell different investments in order to tryna outperform the market, And they Yep. have been very successful in doing so. But more recently, they've been a little bit slower in making those decisions. And one of the companies that they had invested in their portfolio was a company called the Corporate Travel Group. Have you ever did you ever hear about that at all? No. So, essentially, that company, they had a bit of issues on their reporting, which actually meant that they were kind of suspended from trading. So because of that, obviously, everything fell a little bit, and it's kind of just on on hold. But what we can do, which is good, is we can still get you out of Bennelong because you are just invested in Bennelong. You are not invested in that company. Yeah. So, obviously, with investments, we we don't obviously day trade. It is your long term investment. But at the same time, we do wanna be proactive. And we'd have 24. There's hundreds of different options for us to choose from. And if there is an investment that is slightly underperforming at the moment and we don't foresee it coming back around, then we wanna look at potentially changing it. Yeah. So the investment committee have done a lot of research on the Benelung investment and have found another alternative, Yep. which is called the beta shift a 200. Have you ever heard of that before? No. Basically, what it is, because we are then changing one Australian investment, we also wanna make sure we still give you some exposure to the Australian market. Just another option that's a little bit cheaper and performing a little bit better and a little bit more stable for you through the the different fluctuations. Yep. The way that that one works, it's that it invests in the 200 largest companies listed in Australia. You'll have Yep. all the big banks and Woolworths and BHP. So it is very diversified because you are invested in the 200 largest. And as Yeah. a company kind of grows and gets bigger, added to the 200, and something smaller kind of falls out. Does that make sense? Yeah. Yeah. Yep.","start_word":2994,"end_word":3424,"sentiment":"neutral","sentiment_score":0.021862066193135875},{"text":"Perfect. So are you happy for us to do that one investment switch?","start_word":3425,"end_word":3437,"sentiment":"positive","sentiment_score":0.4609143137931824},{"text":"Because I also don't want to leave that until the end of the year if it's gonna continue to kind of not perform Yeah. as well. Yeah. Yeah. That's it. That's fine. Yeah. Yeah.","start_word":3438,"end_word":3471,"sentiment":"neutral","sentiment_score":0.026444479823112488},{"text":"Perfect.","start_word":3472,"end_word":3472,"sentiment":"positive","sentiment_score":0.4648953080177307},{"text":"So what I will do is I will draft up something that's Yep. called a record of advice. I will email it to you. It's not something you have to sign, but it is just for your records to say that we have made that one change for you. Yeah. Right. Yeah. Yep.","start_word":3473,"end_word":3525,"sentiment":"neutral","sentiment_score":0.2278171479701996},{"text":"Perfect.","start_word":3526,"end_word":3526,"sentiment":"positive","sentiment_score":0.461961030960083},{"text":"And then we can obviously reassess everything in at the end of the year when we are looking at. But that a beta a beta a 200 is have we swapped out in all of the risk profiles at the moment instead of that Benelon? So even Yep. if we do move you through, like, a higher risk allocation, the Benelon is in most of the funds anyway as well. Yeah. Yeah.","start_word":3527,"end_word":3598,"sentiment":"neutral","sentiment_score":0.0570520448187987},{"text":"Okay. Beautiful.","start_word":3599,"end_word":3600,"sentiment":"positive","sentiment_score":0.5494829416275024},{"text":"Now do you have any questions so far, or is that pretty straightforward?","start_word":3601,"end_word":3613,"sentiment":"neutral","sentiment_score":0.30648157000541687},{"text":"It's all pretty straightforward.","start_word":3614,"end_word":3617,"sentiment":"positive","sentiment_score":0.3846080005168915},{"text":"Yeah. Yeah. Okay.","start_word":3618,"end_word":3620,"sentiment":"neutral","sentiment_score":0.2494625300168991},{"text":"Perfect.","start_word":3621,"end_word":3621,"sentiment":"positive","sentiment_score":0.5902336239814758},{"text":"Now next documents for me, what's that one? Vanguard index chart? Yep. Have you seen something like this before? I think so. I think I've seen one from, obviously, last year, maybe, or the year before. Yeah. Yeah. So it is something that we kind of like to include because it is just a good visual representation of what we are talking about when we're talking about the market. But it kind of shows you as a bit an overview. Yeah. It goes back from 1995, and this one goes through 2025. Vendor does Yep. release one every every year at the end of the financial year, so the new one should come out very soon. But Yep. it basically shows you that long term, the market always goes up. Short term, there will be some ups and downs and market fluctuations. It Yeah. also kind of breaks down the different asset classes. So we're throwing back to that balance growth portfolio that we have you in at the moment. Yeah. That's where you have about 70% in your top four combined. So that's, Yeah. like, your Not US shares, which is, like, that light green. You have Australian shares, which is yet. your dark green, international shares, which is the yellow, and then the kind of maroon color, which is, like, your property. Yeah. Yeah. So these are the ones you can see grow the most, also fluctuate the most, and that's why we do have about 30% or so in the defensive, which is, like, your bottom three. Yep. Just kind of making sure we stabilize those fluctuations a little bit for you. Yep. Yep.","start_word":3622,"end_word":3898,"sentiment":"neutral","sentiment_score":0.09189588576555252},{"text":"Perfect.","start_word":3899,"end_word":3899,"sentiment":"positive","sentiment_score":0.4931396245956421},{"text":"Now if you can press next for me, it should be our q services guide, I believe. Yep. Yep.","start_word":3900,"end_word":3918,"sentiment":"neutral","sentiment_score":0.17723874747753143},{"text":"Perfect.","start_word":3919,"end_word":3919,"sentiment":"positive","sentiment_score":0.46895676851272583},{"text":"So this one here and the next one, which is your financial services guide, again, you probably saw last year, it is one of those compliance documents, but it does give you all the important information in regards to us here at OQE. But if you do wanna go back and have a bit of a read over this in your own time as well, it gives you all the important information, but nothing has changed.","start_word":3920,"end_word":3995,"sentiment":"neutral","sentiment_score":0.19172506034374237},{"text":"We've had a bit of an extension to the team, which is great. So you'll see all the directors and advisers and everything in that document.","start_word":3996,"end_word":4021,"sentiment":"positive","sentiment_score":0.6015830039978027},{"text":"Bit of updates from marketing, but none of the important information has changed. Yeah. Yep.","start_word":4022,"end_word":4036,"sentiment":"neutral","sentiment_score":0.13701991736888883},{"text":"Perfect.","start_word":4037,"end_word":4037,"sentiment":"positive","sentiment_score":0.4939284324645996},{"text":"Now the next one after that, is that your ongoing service agreement? Financial service guide. Yep. And then Yep. after that one, Is the consent yeah. To the ongoing fee Yep.","start_word":4038,"end_word":4068,"sentiment":"neutral","sentiment_score":0.10287364572286606},{"text":"So that one here, same as last year, and it is just to say that you are happy to stay on as a client.","start_word":4069,"end_word":4092,"sentiment":"positive","sentiment_score":0.4569112360477447},{"text":"Now, Anthony, arrangement. I Yep. do wanna let you know that there's been no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so no changes there. And it Yep. is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. The fee gets deducted on a monthly basis to give you that flexibility.","start_word":4093,"end_word":4168,"sentiment":"neutral","sentiment_score":0.1691754013299942},{"text":"But by signing this document, it just allows us to manage all your investments and everything for you in the meantime.","start_word":4169,"end_word":4189,"sentiment":"positive","sentiment_score":0.4137353599071502},{"text":"So if you're happy to do so, it will ask you for a little signature at the bottom there, Yep. Yep. and then there should be one more after that. Do you want me to sign that now? If you are happy to do so. Yep. And all the documents afterwards will be saved so that you can download and go back and have a look at them if you want to as well. But if you do have any issues, you can always Yep.","start_word":4190,"end_word":4274,"sentiment":"neutral","sentiment_score":0.2103741317987442},{"text":"just let me know because we always keep a copy on file as well.","start_word":4275,"end_word":4288,"sentiment":"positive","sentiment_score":0.3379735052585602},{"text":"And the next one, is that a tax file number form, does it say? Like, option to provide tax file number? One sec. I just do this. Yep.","start_word":4289,"end_word":4316,"sentiment":"neutral","sentiment_score":0.10800656835947718},{"text":"Sure. Take your time.","start_word":4317,"end_word":4320,"sentiment":"positive","sentiment_score":0.35837697982788086},{"text":"Sorry. Textbook. Automatic book. Alright. That should be validating in.","start_word":4321,"end_word":4330,"sentiment":"neutral","sentiment_score":0.15858741104602814},{"text":"Yep. Perfect. So the last one there for you was just another compliance form just to say we are keeping your tax phone number secure and safe on file.","start_word":4331,"end_word":4359,"sentiment":"positive","sentiment_score":0.38976794481277466},{"text":"Yep. And I will just update here and see if that came through okay. Now while I wait for that to come through, just to recap a bit for you that I will action that record of advice just for that one investment change, and I will email that through to you in the next couple of days. Again, it's just for your record. I will also get the team to email you your beneficiary just to get that one updated for you. You have 20 Yep. four is still accurate, which is good, but we do wanna change your. And then I'll put a reminder that at the kind of first week of December to touch base with you just to see how everything is going And if we then wanna reassess everything or if I do hear from you earlier, then we can do so as well. Yep.","start_word":4360,"end_word":4509,"sentiment":"neutral","sentiment_score":0.13600696623325348},{"text":"Perfect.","start_word":4510,"end_word":4510,"sentiment":"positive","sentiment_score":0.4679053723812103},{"text":"Now, Anthony, do you have any other questions for me before I let you go?","start_word":4511,"end_word":4525,"sentiment":"neutral","sentiment_score":0.29343754053115845},{"text":"And enjoy the rest of your afternoon otherwise.","start_word":4526,"end_word":4533,"sentiment":"positive","sentiment_score":0.407302588224411},{"text":"No. That was about it, really. Yeah. Okay. Obviously, yeah, there'll be other stuff that we need to go over later Yes. on down in in the year, but, yeah, Yes. until then, Okay.","start_word":4534,"end_word":4567,"sentiment":"neutral","sentiment_score":0.024479495361447334},{"text":"everything's pretty good.","start_word":4568,"end_word":4570,"sentiment":"positive","sentiment_score":0.3669598698616028},{"text":"Yeah.","start_word":4571,"end_word":4571,"sentiment":"neutral","sentiment_score":0.30611130595207214},{"text":"Perfect. Well, I hope everything goes as well as it can during the mediation.","start_word":4572,"end_word":4585,"sentiment":"positive","sentiment_score":0.4557602405548096},{"text":"We're always here if you do have any questions or you need anything. Yep.","start_word":4586,"end_word":4599,"sentiment":"neutral","sentiment_score":0.2843095362186432},{"text":"Just give us a call or or send me an email, and I'm more than happy to book in a catch up and see what we can do.","start_word":4600,"end_word":4627,"sentiment":"positive","sentiment_score":0.3868263065814972},{"text":"And, obviously, once everything's kind of settled as well, we do wanna obviously reassess all of that for you. Yep. No. Yep. Perfect. I'll also sorry. Get the e the the team to email you just a rundown of that fee for you once we get that through just so that you have kind of your up to date balance and your insurance information as well. Yep. Yep.","start_word":4628,"end_word":4695,"sentiment":"neutral","sentiment_score":0.16036171422285192},{"text":"Great. Well, if there's nothing else, I will leave you to it.","start_word":4696,"end_word":4707,"sentiment":"positive","sentiment_score":0.3954496681690216},{"text":"Like I said, don't hesitate to give us a call if there's anything at all that we can do for you. Okay? Yep.","start_word":4708,"end_word":4730,"sentiment":"neutral","sentiment_score":0.27615615725517273},{"text":"No worries. Thank you very much. No problem at all. Well, thank you so much for your time today, Anthony. It was lovely speaking with you, and I look forward to speaking with you soon again. All good. Thank you very much.","start_word":4731,"end_word":4772,"sentiment":"positive","sentiment_score":0.7733793258666992},{"text":"No worries. We'll speak soon. Bye. Bye.","start_word":4773,"end_word":4779,"sentiment":"neutral","sentiment_score":0.2404063493013382}],"average":{"sentiment":"neutral","sentiment_score":0.0971081778625724}}}}