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Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. And how's your day been so far? I've been busy? How's your day been so far? Been been busy? All of us. Correct. Well, I will try not to keep you for too long. Now before I kind of jump in to the Azure review, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just the usual kind of bit of a catch up to see where everything's at? Nothing too much. No. Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today. But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice. So just kinda bear with me as I go through these questions here, Zoe. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that still the case? Perfect. Now next up, Ken, I have Tony nominated. Yep. Perfect. And phone number ending in 087. That's still the case as well? Perfect. Now when it comes to your employment, are you still working as an accountant? Yep. Perfect. Now I do have here are you employed as well as doing the Farm ABN business, or are you is that kind of the same thing? Okay. Perfect. And then do you work full time as an accountant for Soka Consulting? Is that correct? Yep. Perfect. And are you employed there as self employed as well, or is that your business? Great. Perfect. Now income wise, I have here about $1.50. That's yeah. Perfect. And when it comes through contributions interest fee for annuation, are you obviously, if it's your how's the business set up? Is that company structure or live partnership? The business. Sorry. How you're employed. The business. Sorry. Okay. Okay. Yep. And are you you're you're kinda paying yourself an income of that $1.50 roughly? Yeah. Okay. Perfect. I'll just note that. Yep. Okay. Perfect. And no, that's okay. It seems like you have a pretty good setup, though, which is which is good. Now with a contribution into superannuation, when you do the consultancy and stuff like that, do you pay yourself contributions into superannuation, or how does that great. Perfect. Yeah. Perfect. Because I was having a bit of a look at your account, and I can see that of the you spoke to my colleague, Kyle a little while ago and, you know, did advice and all of that. And I was having a quick look at your hub 24, and I couldn't see any contributions recently. So does that make sense? But moving forward, that will be paid. And will that be 12%? They pay you just like that standard 12%? Perfect. And that will be 12% of the one fifty. Correct? Great. Perfect. Aside from that, are you planning on making any extra contributions or anything or just kind of that from that you will get from the employer? No. Great. Assets and liabilities wise, I have here your property loss was divided at about 600,000. Yep. Perfect. And about 100,000 owing on the mortgage? Perfect. I also have a motor vehicle at about 70,000 and a caravan for about 60. Perfect. And a share portfolio of around 80? Oh, perfect. I will update that. Now any other changes to your assets or liabilities at all? Any other changes to, like, any new assets or any other loans or personal loans or anything we haven't gone through? No. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Perfect. Estate planning wise, I have here Tony nominated for your beneficiaries if something were to happen to you and that you do have a will in place. That's all still correct? Yep. Great. Perfect. Thank you so much for going through that. Now I guess when it kind of comes to goals and stuff that you are working towards in the next couple of years, do you have any specific financial goals that you are working towards at all? Yep. Yep. Yep. Yeah. Pardon? Yes. Versifying wealth and building that a little bit in different avenues. That's a good idea. Perfect. Now with your superannuation investment, we do currently have you in a high growth portfolio. Now I know you went through the kind of that risk profile question there with Carl, so I won't go through all of that with you again. And, obviously, because you're doing some investment as well, you would be a bit more familiar with it. So are you still comfortable with a high growth portfolio? Would you like to make any changes to your risk allocation in your superannuation? No. Yep. And you do have plenty of time until retirement. So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have enough time in the market, which you certainly do. So time frame, perfect. Obviously, as long as you're comfortable, which is great. Now, Zoe, I have just sent you an email with some documents. Do you have access to your emails at the moment or or not really right now? Yeah? Okay. Perfect. So if you could access that for me, that would be great. Now we have just changed the software, so it might look a little bit different to what you are having used to before. Just let me know if that one came through okay on your end. Great. Yes. Perfect. Now before you click on the link, so if you open the email, it will say a link where it says sign out. Just hold off clicking on that one for me. And if you scroll down in the email, you should see a couple of attachments. Can you see those? Yep. Perfect. Now to make it easier on your side, we can go through them quickly in the way that you see them. So what's the first document for you? Okay. Perfect. So that one and then the next one should be Okvue financial services guide version four. I will get you to have a read over in your own time. There are just some updated financial services guide. You would have seen this one before. One of those compliance documents, just a bit of an update. All the important information is still in there. So everything you need to know about the team, our directors, all our advices is in there. If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that. Otherwise, no direct changes. Otherwise, we had a bit of a revamp to marketing, which you will see, which is nice. But, yeah, otherwise, no major changes. What's the next one you can see? Yes. Sorry. This is your Cal certificate of currency, and that just breaks down your insurances. But if there is one above that where it says super insurance summary, is that can you see that one? Yeah. If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit more information, but, basically, just let you know that's all paid and up to date so far. And let me know if you can see that summary. If you could open that one for me, that would be good. Great. So as you can see, you do have your superannuation with Hub twenty four, and you do have approximately 148,573 in there. Now you do also have some insurances with let me see here. Let me just triple check those documents. So the title fee actually should have said one part, so apologies for the typo. One path is definitely your insurer. Now you have life and total permanent disability with one path of a million dollars. Are you still happy with those level of covers? Has anything changed when it comes to your insurances? Nope. Perfect. Now I can see that you don't have, obviously, income protection and trauma insurance. You would have kind of gone through that discussion when you spoke to Carl. Are you still comfortable not having, obviously, trauma and income protection? Yep. Perfect. Now with the insurance, it is quite cheap for you, which is great. Obviously, young and not a very risky occupation in the insurance line. So after the tax rebate, it's about $452 for those two. Perfect. Now the next document should then be a performance report, a twelve month hub 24. Can you see that one? Yes. Perfect. Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well. Now the internal rate of return, everything is net of fees as well. So if you want to scroll to the second page for me first where it says total portfolio. Can you see that? Yep. Perfect. So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees, which is good. Now on the first page there, you will then see all the individual investments. So the ones in the brackets are the ones that's down, and all the others are at positive. So you can kind of see all the individual investments. Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one. Yep. Perfect. So we've done a lot of, you know, research on all the investments all the time. And after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations. Now when it was recommended to you when you came on board, it was doing really well. It was one of the top performing fund managers and have done really well. That's not to say it's always going to be the case, so that's why the reviews are so good and also, obviously, in between to research all the investments if we need to potentially make some changes. So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio. Some of their choices as well haven't really played off. One of the other companies that they had in their portfolio was the corporate travel group. I'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes. So if you are happy for me to do so, I would like to do a bit more research on that and make a recommendation on potentially swapping that one for a a better option if you're happy for me to do that. Yep. Perfect. Now as I'm kind of researching your superannuation investments and stuff like that, do you have any have you read our newsletters at all recently? Is that something you kind of keep an eye on or not really? No. That's okay. Most people say the same, to be fair. But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of. Yep. And created an SMA with them. Are you quite familiar with what an SMA, the self managed account, what that is? Yeah. So, basically, with the SMA, it's obviously not a self managed super fund. It's a self managed account. Works a little bit different. Obviously, it's still investments in your superannuation. It works a little bit different in that we can a little quicker make changes to the investment if need be. If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together. Obviously, booking an appointment to go through the statement of advice presented to you. You obviously agreeing and signing through it before we can make a change. The the kind of flip side is, though, that we can make the changes quickly in the back end. If you log in through Hub twenty four, you will still see all the individual investments, but you would just be invested in a portfolio instead of kind of the way that you have it at the moment. Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept? Yeah. The SMA yes. And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes. You don't need to have as many, you know, appointments with going through the research and the investment changes. If something were to happen, we can quickly make it in the back end. Obviously, still let you know of the changes. And like I said, when you log in to Hub twenty four, you would still see the individual investment. It just means that we can do it quicker without having to go through that kind of heavy compliance aspect. But a lot of clients are, you know, quite happy with that because that means we can do that quick quicker in the back end for you. Obviously, all the legislation and best interest, that's all still in place. Some people on the other hand are like, no. I want to read through everything before you actually make a change, and that's also okay. So if you are comfortable with looking at both option, I will include it in the research to see, well, which one is going to have, you know, the best option and put you in the best position, you know, in fees and returns and and all of that. Yep. Okay. Great. Perfect. Last thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation. So do you know when you will start getting those contributions into the preannuation? Like, will that be quite soon? Yeah. But, technically, you meant to be getting it from now. Yeah. Okay. So what I might do then is because, obviously, the contributions, obviously, compounds and everything and impacts projections for you. So if you are happy for me to do so, even though you will be back paid them, I can include it assuming the 12% of a 150 because that's what you should be getting paid. It's just a little bit backdated of when you'll actually get that. Does that make sense? Yes. Great. Perfect. And I do have here that, ideally, you would like to retire at the age of 60 and draw a weekly income of that 2,000 per week. Does that sound about right? Perfect. Now the last thing there, Zoe, is if you're happy to do so, if you click on the link where it says sign now, it will ask you to sign through documents. Now one of them is your ongoing service agreement. No changes whatsoever in regards to the ongoing advice fee. Stays exactly the same at that 1.65 from superannuation, and that basically just lets us service your account and everything for you. But there's no lock in contract. So if at any point in time you not happy, there is no lock in contract. But as simply this just lets us, you know, stay on board and service you in the meantime. And then the second one will be it's just like a compliance form. Just basically to say that we are keeping your tax phone number secure and safe on-site. Do you have any questions in regards to any of that? No? Okay. Perfect. Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment. Now when is typically a best time for you? So it probably takes me about a week and a half to get all the research and everything together. Fairly free? Okay. Do you have a preference on, like, Monday through Thursdays? Any particular day or quite flexible. Okay. Perfect. Yeah. Well, that works easier easier for me because a lot of my afternoons fill out very quickly and early morning because people usually the opposite. So that's great. Sorry. Let me have a look here. Sorry. I could do let me see here. She said the twenty eighth, and we can do same time. Oh, actually, if we do 01:00 your time, will that work? Yeah? Great. Perfect. Would you like a reminder text sent, like, an hour or two before the appointment in case something comes up? Yeah? Okay. Perfect. Well, that is all booked in on Tuesday, the twenty eighth at one I said 01:30. No. 01:00 your time, 01:30 my time. Yep. 1PM your time. We'll go through all the research. And, yeah, in the meantime, if you have any questions, let me know. If not, I'll keep a lookout for that document to kind of come back, and I'll get the team to authorize that with hub twenty four for you. Perfect. No problem at all. Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your time. Thank you. 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Good afternoon. This is Zoe. Good afternoon, Zoe. This is Veronica from OQ Financial.\n\nHow are you? That's good. 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect.\n\nThat's exactly what I have here. And how's your day been so far? I've been busy? How's your day been so far? Been been busy?\n\nAll of us. Correct. Well, I will try not to keep you for too long. Now before I kind of jump in to the Azure review, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just the usual kind of bit of a catch up to see where everything's at? Nothing too much.\n\nNo. Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today. But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice. So just kinda bear with me as I go through these questions here, Zoe. Now when it comes to your personal information, I have you down here as married with three financial dependents.\n\nIs that still the case? Perfect. Now next up, Ken, I have Tony nominated. Yep. Perfect.\n\nAnd phone number ending in 087. That's still the case as well? Perfect. Now when it comes to your employment, are you still working as an accountant? Yep.\n\nPerfect. Now I do have here are you employed as well as doing the Farm ABN business, or are you is that kind of the same thing? Okay. Perfect. And then do you work full time as an accountant for Soka Consulting?\n\nIs that correct? Yep. Perfect. And are you employed there as self employed as well, or is that your business? Great.\n\nPerfect. Now income wise, I have here about $1.50. That's yeah. Perfect. And when it comes through contributions interest fee for annuation, are you obviously, if it's your how's the business set up?\n\nIs that company structure or live partnership? The business. Sorry. How you're employed. The business.\n\nSorry. Okay. Okay. Yep. And are you you're you're kinda paying yourself an income of that $1.50 roughly?\n\nYeah. Okay. Perfect. I'll just note that. Yep.\n\nOkay. Perfect. And no, that's okay. It seems like you have a pretty good setup, though, which is which is good. Now with a contribution into superannuation, when you do the consultancy and stuff like that, do you pay yourself contributions into superannuation, or how does that great.\n\nPerfect. Yeah. Perfect. Because I was having a bit of a look at your account, and I can see that of the you spoke to my colleague, Kyle a little while ago and, you know, did advice and all of that. And I was having a quick look at your hub 24, and I couldn't see any contributions recently.\n\nSo does that make sense? But moving forward, that will be paid. And will that be 12%? They pay you just like that standard 12%? Perfect.\n\nAnd that will be 12% of the one fifty. Correct? Great. Perfect. Aside from that, are you planning on making any extra contributions or anything or just kind of that from that you will get from the employer?\n\nNo. Great. Assets and liabilities wise, I have here your property loss was divided at about 600,000. Yep. Perfect.\n\nAnd about 100,000 owing on the mortgage? Perfect. I also have a motor vehicle at about 70,000 and a caravan for about 60. Perfect. And a share portfolio of around 80?\n\nOh, perfect. I will update that. Now any other changes to your assets or liabilities at all? Any other changes to, like, any new assets or any other loans or personal loans or anything we haven't gone through? No.\n\nPerfect. Health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Perfect. Estate planning wise, I have here Tony nominated for your beneficiaries if something were to happen to you and that you do have a will in place.\n\nThat's all still correct? Yep. Great. Perfect. Thank you so much for going through that.\n\nNow I guess when it kind of comes to goals and stuff that you are working towards in the next couple of years, do you have any specific financial goals that you are working towards at all? Yep. Yep. Yep. Yeah.\n\nPardon? Yes. Versifying wealth and building that a little bit in different avenues. That's a good idea. Perfect.\n\nNow with your superannuation investment, we do currently have you in a high growth portfolio. Now I know you went through the kind of that risk profile question there with Carl, so I won't go through all of that with you again. And, obviously, because you're doing some investment as well, you would be a bit more familiar with it. So are you still comfortable with a high growth portfolio? Would you like to make any changes to your risk allocation in your superannuation?\n\nNo. Yep. And you do have plenty of time until retirement. So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have enough time in the market, which you certainly do. So time frame, perfect.\n\nObviously, as long as you're comfortable, which is great. Now, Zoe, I have just sent you an email with some documents. Do you have access to your emails at the moment or or not really right now? Yeah? Okay.\n\nPerfect. So if you could access that for me, that would be great. Now we have just changed the software, so it might look a little bit different to what you are having used to before. Just let me know if that one came through okay on your end. Great.\n\nYes. Perfect. Now before you click on the link, so if you open the email, it will say a link where it says sign out. Just hold off clicking on that one for me. And if you scroll down in the email, you should see a couple of attachments.\n\nCan you see those? Yep. Perfect. Now to make it easier on your side, we can go through them quickly in the way that you see them. So what's the first document for you?\n\nOkay. Perfect. So that one and then the next one should be Okvue financial services guide version four. I will get you to have a read over in your own time. There are just some updated financial services guide.\n\nYou would have seen this one before. One of those compliance documents, just a bit of an update. All the important information is still in there. So everything you need to know about the team, our directors, all our advices is in there. If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that.\n\nOtherwise, no direct changes. Otherwise, we had a bit of a revamp to marketing, which you will see, which is nice. But, yeah, otherwise, no major changes. What's the next one you can see? Yes.\n\nSorry. This is your Cal certificate of currency, and that just breaks down your insurances. But if there is one above that where it says super insurance summary, is that can you see that one? Yeah. If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit more information, but, basically, just let you know that's all paid and up to date so far.\n\nAnd let me know if you can see that summary. If you could open that one for me, that would be good. Great. So as you can see, you do have your superannuation with Hub twenty four, and you do have approximately 148,573 in there. Now you do also have some insurances with let me see here.\n\nLet me just triple check those documents. So the title fee actually should have said one part, so apologies for the typo. One path is definitely your insurer. Now you have life and total permanent disability with one path of a million dollars. Are you still happy with those level of covers?\n\nHas anything changed when it comes to your insurances? Nope. Perfect. Now I can see that you don't have, obviously, income protection and trauma insurance. You would have kind of gone through that discussion when you spoke to Carl.\n\nAre you still comfortable not having, obviously, trauma and income protection? Yep. Perfect. Now with the insurance, it is quite cheap for you, which is great. Obviously, young and not a very risky occupation in the insurance line.\n\nSo after the tax rebate, it's about $452 for those two. Perfect. Now the next document should then be a performance report, a twelve month hub 24. Can you see that one? Yes.\n\nPerfect. Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well. Now the internal rate of return, everything is net of fees as well. So if you want to scroll to the second page for me first where it says total portfolio. Can you see that?\n\nYep. Perfect. So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees, which is good. Now on the first page there, you will then see all the individual investments. So the ones in the brackets are the ones that's down, and all the others are at positive.\n\nSo you can kind of see all the individual investments. Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one. Yep. Perfect. So we've done a lot of, you know, research on all the investments all the time.\n\nAnd after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations. Now when it was recommended to you when you came on board, it was doing really well. It was one of the top performing fund managers and have done really well. That's not to say it's always going to be the case, so that's why the reviews are so good and also, obviously, in between to research all the investments if we need to potentially make some changes. So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio.\n\nSome of their choices as well haven't really played off. One of the other companies that they had in their portfolio was the corporate travel group. I'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes. So if you are happy for me to do so, I would like to do a bit more research on that and make a recommendation on potentially swapping that one for a a better option if you're happy for me to do that. Yep.\n\nPerfect. Now as I'm kind of researching your superannuation investments and stuff like that, do you have any have you read our newsletters at all recently? Is that something you kind of keep an eye on or not really? No. That's okay.\n\nMost people say the same, to be fair. But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of. Yep. And created an SMA with them. Are you quite familiar with what an SMA, the self managed account, what that is?\n\nYeah. So, basically, with the SMA, it's obviously not a self managed super fund. It's a self managed account. Works a little bit different. Obviously, it's still investments in your superannuation.\n\nIt works a little bit different in that we can a little quicker make changes to the investment if need be. If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together. Obviously, booking an appointment to go through the statement of advice presented to you. You obviously agreeing and signing through it before we can make a change. The the kind of flip side is, though, that we can make the changes quickly in the back end.\n\nIf you log in through Hub twenty four, you will still see all the individual investments, but you would just be invested in a portfolio instead of kind of the way that you have it at the moment. Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept? Yeah. The SMA yes. And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes.\n\nYou don't need to have as many, you know, appointments with going through the research and the investment changes. If something were to happen, we can quickly make it in the back end. Obviously, still let you know of the changes. And like I said, when you log in to Hub twenty four, you would still see the individual investment. It just means that we can do it quicker without having to go through that kind of heavy compliance aspect.\n\nBut a lot of clients are, you know, quite happy with that because that means we can do that quick quicker in the back end for you. Obviously, all the legislation and best interest, that's all still in place. Some people on the other hand are like, no. I want to read through everything before you actually make a change, and that's also okay. So if you are comfortable with looking at both option, I will include it in the research to see, well, which one is going to have, you know, the best option and put you in the best position, you know, in fees and returns and and all of that.\n\nYep. Okay. Great. Perfect. Last thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation.\n\nSo do you know when you will start getting those contributions into the preannuation? Like, will that be quite soon? Yeah. But, technically, you meant to be getting it from now. Yeah.\n\nOkay. So what I might do then is because, obviously, the contributions, obviously, compounds and everything and impacts projections for you. So if you are happy for me to do so, even though you will be back paid them, I can include it assuming the 12% of a 150 because that's what you should be getting paid. It's just a little bit backdated of when you'll actually get that. Does that make sense?\n\nYes. Great. Perfect. And I do have here that, ideally, you would like to retire at the age of 60 and draw a weekly income of that 2,000 per week. Does that sound about right?\n\nPerfect. Now the last thing there, Zoe, is if you're happy to do so, if you click on the link where it says sign now, it will ask you to sign through documents. Now one of them is your ongoing service agreement. No changes whatsoever in regards to the ongoing advice fee. Stays exactly the same at that 1.65 from superannuation, and that basically just lets us service your account and everything for you.\n\nBut there's no lock in contract. So if at any point in time you not happy, there is no lock in contract. But as simply this just lets us, you know, stay on board and service you in the meantime. And then the second one will be it's just like a compliance form. Just basically to say that we are keeping your tax phone number secure and safe on-site.\n\nDo you have any questions in regards to any of that? No? Okay. Perfect. Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment.\n\nNow when is typically a best time for you? So it probably takes me about a week and a half to get all the research and everything together. Fairly free? Okay. Do you have a preference on, like, Monday through Thursdays?\n\nAny particular day or quite flexible. Okay. Perfect. Yeah. Well, that works easier easier for me because a lot of my afternoons fill out very quickly and early morning because people usually the opposite.\n\nSo that's great. Sorry. Let me have a look here. Sorry. I could do let me see here.\n\nShe said the twenty eighth, and we can do same time. Oh, actually, if we do 01:00 your time, will that work? Yeah? Great. Perfect.\n\nWould you like a reminder text sent, like, an hour or two before the appointment in case something comes up? Yeah? Okay. Perfect. Well, that is all booked in on Tuesday, the twenty eighth at one I said 01:30.\n\nNo. 01:00 your time, 01:30 my time. Yep. 1PM your time. We'll go through all the research.\n\nAnd, yeah, in the meantime, if you have any questions, let me know. If not, I'll keep a lookout for that document to kind of come back, and I'll get the team to authorize that with hub twenty four for you. Perfect. No problem at all. Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your time.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Veronica of Q Financial?","start":6.48,"end":8.18,"sentiment":"neutral","sentiment_score":0.030147002544254065},{"text":"Good afternoon.","start":37.964996,"end":38.765,"sentiment":"neutral","sentiment_score":0.3040902614593506},{"text":"This is Zoe.","start":38.765,"end":39.585,"sentiment":"neutral","sentiment_score":0.15356519321600595},{"text":"Good afternoon, Zoe.","start":44.364998,"end":45.484997,"sentiment":"neutral","sentiment_score":0.29476258158683777},{"text":"This is Veronica from OQ Financial.","start":45.484997,"end":47.504997,"sentiment":"neutral","sentiment_score":0.2129481260975202}],"sentiment":"neutral","sentiment_score":0.18619114522718722,"num_words":18,"start":6.48,"end":47.504997},{"sentences":[{"text":"How are you?","start":47.565,"end":48.385,"sentiment":"neutral","sentiment_score":0.18241746226946512},{"text":"That's good.","start":50.399998,"end":51.14,"sentiment":"positive","sentiment_score":0.6242323219776154},{"text":"I had you booked in to go over your annual review.","start":51.6,"end":54.239998,"sentiment":"positive","sentiment_score":0.540415885773572},{"text":"Is now still a good time for you?","start":54.239998,"end":55.86,"sentiment":"positive","sentiment_score":0.3790016807615757},{"text":"Yep.","start":57.68,"end":58.16,"sentiment":"neutral","sentiment_score":0.2680239677429199}],"sentiment":"positive","sentiment_score":0.44161316752433777,"num_words":25,"start":47.565,"end":58.16},{"sentences":[{"text":"Perfect.","start":58.16,"end":58.66,"sentiment":"positive","sentiment_score":0.4388136863708496},{"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":59.12,"end":66.245,"sentiment":"neutral","sentiment_score":0.04349863593434465},{"text":"Perfect.","start":68.785,"end":69.285,"sentiment":"neutral","sentiment_score":0.23711730539798737},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":69.345,"end":75.765,"sentiment":"neutral","sentiment_score":0.07810365508955258},{"text":"Perfect.","start":86.079994,"end":86.479996,"sentiment":"positive","sentiment_score":0.5232100486755371}],"sentiment":"neutral","sentiment_score":0.07743614680808165,"num_words":58,"start":58.16,"end":86.479996},{"sentences":[{"text":"That's exactly what I have here.","start":86.479996,"end":88.0,"sentiment":"positive","sentiment_score":0.561669260263443},{"text":"And how's your day been so far?","start":88.0,"end":89.439995,"sentiment":"neutral","sentiment_score":0.11011891599212374},{"text":"I've been busy?","start":89.439995,"end":90.34,"sentiment":"neutral","sentiment_score":-0.07918392742673556},{"text":"How's your day been so far?","start":92.925,"end":94.765,"sentiment":"neutral","sentiment_score":0.017286387737840414},{"text":"Been been busy?","start":94.765,"end":95.745,"sentiment":"neutral","sentiment_score":0.008905250268677872}],"sentiment":"neutral","sentiment_score":0.16134921073913575,"num_words":25,"start":86.479996,"end":95.745},{"sentences":[{"text":"All of us.","start":96.445,"end":97.005005,"sentiment":"neutral","sentiment_score":0.10219438870747884},{"text":"Correct.","start":97.005005,"end":97.505005,"sentiment":"neutral","sentiment_score":0.11864711344242096},{"text":"Well, I will try not to keep you for too long.","start":98.605,"end":101.105,"sentiment":"neutral","sentiment_score":-0.021829636259512467},{"text":"Now before I kind of jump in to the Azure review, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just the usual kind of bit of a catch up to see where everything's at?","start":101.645004,"end":115.84,"sentiment":"neutral","sentiment_score":0.014799949065861056},{"text":"Nothing too much.","start":118.435,"end":119.415,"sentiment":"neutral","sentiment_score":-0.13354811817407608}],"sentiment":"neutral","sentiment_score":0.008540998974984343,"num_words":77,"start":96.445,"end":119.415},{"sentences":[{"text":"No.","start":120.595,"end":121.095,"sentiment":"neutral","sentiment_score":-0.23431378602981567},{"text":"Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today.","start":125.315,"end":134.05,"sentiment":"neutral","sentiment_score":-0.12034564438675131},{"text":"But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice.","start":134.35,"end":149.305,"sentiment":"neutral","sentiment_score":-0.0019125216282331026},{"text":"So just kinda bear with me as I go through these questions here, Zoe.","start":149.305,"end":152.44499,"sentiment":"neutral","sentiment_score":0.05401435946779592},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents.","start":154.185,"end":160.29,"sentiment":"neutral","sentiment_score":0.01716092027919857}],"sentiment":"neutral","sentiment_score":-0.022992845926956648,"num_words":114,"start":120.595,"end":160.29},{"sentences":[{"text":"Is that still the case?","start":160.29,"end":161.59,"sentiment":"neutral","sentiment_score":0.019311301037669183},{"text":"Perfect.","start":163.41,"end":163.91,"sentiment":"positive","sentiment_score":0.5962828397750854},{"text":"Now next up, Ken, I have Tony nominated.","start":164.05,"end":167.19,"sentiment":"neutral","sentiment_score":0.29041403345763683},{"text":"Yep.","start":168.85,"end":169.35,"sentiment":"neutral","sentiment_score":0.1581992357969284},{"text":"Perfect.","start":169.49,"end":169.99,"sentiment":"positive","sentiment_score":0.36815014481544495}],"sentiment":"neutral","sentiment_score":0.2214063120773062,"num_words":16,"start":160.29,"end":169.99},{"sentences":[{"text":"And phone number ending in 087.","start":170.05,"end":172.71,"sentiment":"neutral","sentiment_score":0.11075528586904208},{"text":"That's still the case as well?","start":172.77,"end":174.47,"sentiment":"neutral","sentiment_score":0.11586352810263634},{"text":"Perfect.","start":175.775,"end":176.275,"sentiment":"neutral","sentiment_score":0.13172605633735657},{"text":"Now when it comes to your employment, are you still working as an 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Consulting?","start":206.565,"end":214.345,"sentiment":"neutral","sentiment_score":0.039560082440192886}],"sentiment":"neutral","sentiment_score":0.04529219803710779,"num_words":42,"start":183.69499,"end":214.345},{"sentences":[{"text":"Is that correct?","start":214.645,"end":215.705,"sentiment":"neutral","sentiment_score":0.05174862593412399},{"text":"Yep.","start":217.84999,"end":218.33,"sentiment":"neutral","sentiment_score":0.05132052302360535},{"text":"Perfect.","start":218.33,"end":218.83,"sentiment":"neutral","sentiment_score":0.1101473867893219},{"text":"And are you employed there as self employed as well, or is that your business?","start":219.12999,"end":223.47,"sentiment":"neutral","sentiment_score":0.0025487484410405157},{"text":"Great.","start":228.09,"end":228.48999,"sentiment":"neutral","sentiment_score":0.30680030584335327}],"sentiment":"neutral","sentiment_score":0.0315116819082981,"num_words":21,"start":214.645,"end":228.48999},{"sentences":[{"text":"Perfect.","start":228.48999,"end":228.98999,"sentiment":"neutral","sentiment_score":0.21460118889808655},{"text":"Now income wise, I have here about $1.50.","start":232.925,"end":237.345,"sentiment":"neutral","sentiment_score":0.07032304164022207},{"text":"That's yeah.","start":240.285,"end":241.405,"sentiment":"neutral","sentiment_score":0.12052398547530174},{"text":"Perfect.","start":241.405,"end":241.905,"sentiment":"neutral","sentiment_score":0.15962490439414978},{"text":"And when it comes through contributions interest fee for annuation, are you obviously, if it's your how's the business set up?","start":243.245,"end":253.61,"sentiment":"neutral","sentiment_score":0.027114516124129295}],"sentiment":"neutral","sentiment_score":0.05294737078701005,"num_words":33,"start":228.48999,"end":253.61},{"sentences":[{"text":"Is that company structure or live partnership?","start":253.61,"end":256.59,"sentiment":"neutral","sentiment_score":-0.00022408652252384596},{"text":"The business.","start":261.785,"end":262.425,"sentiment":"neutral","sentiment_score":-0.006201293785125017},{"text":"Sorry.","start":262.425,"end":262.925,"sentiment":"neutral","sentiment_score":-0.04694600403308869},{"text":"How you're employed.","start":263.305,"end":264.365,"sentiment":"neutral","sentiment_score":-0.036219272762537},{"text":"The business.","start":264.66498,"end":265.405,"sentiment":"neutral","sentiment_score":-0.03627804107964039}],"sentiment":"neutral","sentiment_score":-0.016142073180526496,"num_words":15,"start":253.61,"end":265.405},{"sentences":[{"text":"Sorry.","start":265.465,"end":265.965,"sentiment":"neutral","sentiment_score":-0.057248812168836594},{"text":"Okay.","start":270.68,"end":271.18,"sentiment":"neutral","sentiment_score":-0.04435307532548904},{"text":"Okay.","start":273.88,"end":274.38,"sentiment":"neutral","sentiment_score":-0.000970880500972271},{"text":"Yep.","start":274.44,"end":274.94,"sentiment":"neutral","sentiment_score":0.010714519768953323},{"text":"And are you you're you're kinda paying yourself an income of that $1.50 roughly?","start":275.64,"end":280.54,"sentiment":"neutral","sentiment_score":-0.0005338303994254342}],"sentiment":"neutral","sentiment_score":-0.005518437434350037,"num_words":18,"start":265.465,"end":280.54},{"sentences":[{"text":"Yeah.","start":285.095,"end":285.41498,"sentiment":"neutral","sentiment_score":0.004619152285158634},{"text":"Okay.","start":285.41498,"end":285.735,"sentiment":"neutral","sentiment_score":0.03280250355601311},{"text":"Perfect.","start":285.735,"end":286.235,"sentiment":"neutral","sentiment_score":0.07464797049760818},{"text":"I'll just note that.","start":286.455,"end":287.51498,"sentiment":"neutral","sentiment_score":0.009914856171235442},{"text":"Yep.","start":291.57498,"end":291.97498,"sentiment":"neutral","sentiment_score":0.033626291900873184}],"sentiment":"neutral","sentiment_score":0.02316941786557436,"num_words":8,"start":285.095,"end":291.97498},{"sentences":[{"text":"Okay.","start":291.97498,"end":292.375,"sentiment":"neutral","sentiment_score":0.06179862096905708},{"text":"Perfect.","start":292.375,"end":292.875,"sentiment":"neutral","sentiment_score":0.09431232511997224},{"text":"And no, that's okay.","start":293.335,"end":296.31998,"sentiment":"neutral","sentiment_score":-0.029146009124815464},{"text":"It seems like you have a pretty good setup, though, which is which is good.","start":297.5,"end":300.8,"sentiment":"positive","sentiment_score":0.3738781104485194},{"text":"Now with a contribution into superannuation, when you do the consultancy and stuff like that, do you pay yourself contributions into superannuation, or how does that great.","start":301.81998,"end":329.52,"sentiment":"neutral","sentiment_score":0.03045543931700565}],"sentiment":"neutral","sentiment_score":0.13479157141409814,"num_words":48,"start":291.97498,"end":329.52},{"sentences":[{"text":"Perfect.","start":329.58,"end":330.08,"sentiment":"positive","sentiment_score":0.3488801419734955},{"text":"Yeah.","start":331.11502,"end":331.27502,"sentiment":"neutral","sentiment_score":0.22312039136886597},{"text":"Perfect.","start":331.27502,"end":331.77502,"sentiment":"positive","sentiment_score":0.3413602113723755},{"text":"Because I was having a bit of a look at your account, and I can see that of the you spoke to my colleague, Kyle a little while ago and, you know, did advice and all of that.","start":331.99503,"end":340.71503,"sentiment":"neutral","sentiment_score":0.1406921036541462},{"text":"And I was having a quick look at your hub 24, and I couldn't see any contributions recently.","start":340.71503,"end":346.65,"sentiment":"neutral","sentiment_score":0.004740246882041295}],"sentiment":"neutral","sentiment_score":0.10754212080422094,"num_words":59,"start":329.58,"end":346.65},{"sentences":[{"text":"So does that make sense?","start":346.65,"end":347.87,"sentiment":"neutral","sentiment_score":0.03865387439727783},{"text":"But moving forward, that will be paid.","start":348.49,"end":351.29,"sentiment":"neutral","sentiment_score":0.019058678299188614},{"text":"And will that be 12%?","start":351.29,"end":352.99,"sentiment":"neutral","sentiment_score":0.009084470942616463},{"text":"They pay you just like that standard 12%?","start":353.53,"end":355.79,"sentiment":"neutral","sentiment_score":0.007904005935415626},{"text":"Perfect.","start":355.85,"end":356.35,"sentiment":"neutral","sentiment_score":0.13586464524269104}],"sentiment":"neutral","sentiment_score":0.02196919875076184,"num_words":26,"start":346.65,"end":356.35},{"sentences":[{"text":"And that will be 12% of the one fifty.","start":357.075,"end":359.495,"sentiment":"neutral","sentiment_score":0.07200275858243306},{"text":"Correct?","start":359.555,"end":360.055,"sentiment":"neutral","sentiment_score":0.07214201986789703},{"text":"Great.","start":361.715,"end":362.115,"sentiment":"positive","sentiment_score":0.4013158679008484},{"text":"Perfect.","start":362.115,"end":362.615,"sentiment":"neutral","sentiment_score":0.308147132396698},{"text":"Aside from that, are you planning on making any extra contributions or anything or just kind of that from that you will get from the employer?","start":363.475,"end":372.19,"sentiment":"neutral","sentiment_score":0.05402157788809676}],"sentiment":"neutral","sentiment_score":0.07458397032889097,"num_words":38,"start":357.075,"end":372.19},{"sentences":[{"text":"No.","start":373.53003,"end":374.03003,"sentiment":"neutral","sentiment_score":-0.06987237930297852},{"text":"Great.","start":374.09003,"end":374.59003,"sentiment":"neutral","sentiment_score":0.012433374300599098},{"text":"Assets and liabilities wise, I have here your property loss was divided at about 600,000.","start":375.53003,"end":383.47,"sentiment":"neutral","sentiment_score":-0.012909005085627237},{"text":"Yep.","start":385.595,"end":385.91498,"sentiment":"neutral","sentiment_score":0.04356954246759415},{"text":"Perfect.","start":385.91498,"end":386.395,"sentiment":"neutral","sentiment_score":0.08720703423023224}],"sentiment":"neutral","sentiment_score":-0.006331447609945347,"num_words":19,"start":373.53003,"end":386.395},{"sentences":[{"text":"And about 100,000 owing on the mortgage?","start":386.395,"end":388.815,"sentiment":"neutral","sentiment_score":0.03914121804492814},{"text":"Perfect.","start":391.675,"end":392.175,"sentiment":"neutral","sentiment_score":0.21757656335830688},{"text":"I also have a motor vehicle at about 70,000 and a caravan for about 60.","start":392.79498,"end":398.095,"sentiment":"neutral","sentiment_score":0.09238101144631704},{"text":"Perfect.","start":400.27,"end":400.77,"sentiment":"neutral","sentiment_score":0.1344107985496521},{"text":"And a share portfolio of around 80?","start":401.07,"end":404.05,"sentiment":"neutral","sentiment_score":0.05904316795723779}],"sentiment":"neutral","sentiment_score":0.07822558824573794,"num_words":31,"start":386.395,"end":404.05},{"sentences":[{"text":"Oh, perfect.","start":408.66998,"end":409.57,"sentiment":"neutral","sentiment_score":0.1267540343105793},{"text":"I will update that.","start":409.94998,"end":411.405,"sentiment":"neutral","sentiment_score":0.0857924111187458},{"text":"Now any other changes to your assets or liabilities at all?","start":411.565,"end":415.825,"sentiment":"neutral","sentiment_score":0.012679182839664545},{"text":"Any other changes to, like, any new assets or any other loans or personal loans or anything we haven't gone through?","start":419.245,"end":426.69,"sentiment":"neutral","sentiment_score":-0.026886839064813796},{"text":"No.","start":428.05,"end":428.53,"sentiment":"neutral","sentiment_score":-0.07220401614904404}],"sentiment":"neutral","sentiment_score":0.0025466945595466173,"num_words":39,"start":408.66998,"end":428.53},{"sentences":[{"text":"Perfect.","start":428.53,"end":429.03,"sentiment":"neutral","sentiment_score":0.004185628145933151},{"text":"Health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries.","start":430.21,"end":437.25,"sentiment":"neutral","sentiment_score":-0.006805157779078735},{"text":"Is that still the case as well?","start":437.25,"end":438.87,"sentiment":"neutral","sentiment_score":0.016614090651273727},{"text":"Perfect.","start":440.67502,"end":441.17502,"sentiment":"neutral","sentiment_score":0.2894330620765686},{"text":"Estate planning wise, I have here Tony nominated for your beneficiaries if something were to happen to you and that you do have a will in place.","start":441.95502,"end":453.39502,"sentiment":"neutral","sentiment_score":0.22184748616483477}],"sentiment":"neutral","sentiment_score":0.1140091173350811,"num_words":55,"start":428.53,"end":453.39502},{"sentences":[{"text":"That's all still correct?","start":453.39502,"end":454.695,"sentiment":"neutral","sentiment_score":0.17211101204156876},{"text":"Yep.","start":458.09003,"end":458.59003,"sentiment":"neutral","sentiment_score":0.29156628251075745},{"text":"Great.","start":458.73,"end":458.97,"sentiment":"positive","sentiment_score":0.7383770942687988},{"text":"Perfect.","start":458.97,"end":459.45,"sentiment":"positive","sentiment_score":0.752572238445282},{"text":"Thank you so much for going through that.","start":459.45,"end":461.39,"sentiment":"positive","sentiment_score":0.7281201779842377}],"sentiment":"positive","sentiment_score":0.5530614058176676,"num_words":15,"start":453.39502,"end":461.39},{"sentences":[{"text":"Now I guess when it kind of comes to goals and stuff that you are working towards in the next couple of years, do you have any specific financial goals that you are working towards at all?","start":461.85,"end":472.55502,"sentiment":"neutral","sentiment_score":0.13487242897217339},{"text":"Yep.","start":478.215,"end":478.715,"sentiment":"neutral","sentiment_score":0.0732886865735054},{"text":"Yep.","start":484.94998,"end":485.44998,"sentiment":"neutral","sentiment_score":0.04901135712862015},{"text":"Yep.","start":488.79,"end":489.11,"sentiment":"neutral","sentiment_score":0.01982174813747406},{"text":"Yeah.","start":489.11,"end":489.61,"sentiment":"neutral","sentiment_score":0.02255077473819256}],"sentiment":"neutral","sentiment_score":0.12573054728166358,"num_words":41,"start":461.85,"end":489.61},{"sentences":[{"text":"Pardon?","start":491.27,"end":491.77,"sentiment":"neutral","sentiment_score":0.010051911696791649},{"text":"Yes.","start":492.22998,"end":492.72998,"sentiment":"neutral","sentiment_score":0.0513329952955246},{"text":"Versifying wealth and building that a little bit in different avenues.","start":493.36502,"end":496.405,"sentiment":"neutral","sentiment_score":0.12319773774255406},{"text":"That's a good idea.","start":496.405,"end":497.30502,"sentiment":"positive","sentiment_score":0.47000353038311005},{"text":"Perfect.","start":499.20502,"end":499.70502,"sentiment":"neutral","sentiment_score":0.3182014226913452}],"sentiment":"neutral","sentiment_score":0.200820864799122,"num_words":18,"start":491.27,"end":499.70502},{"sentences":[{"text":"Now with your superannuation investment, we do currently have you in a high growth portfolio.","start":500.005,"end":507.30502,"sentiment":"neutral","sentiment_score":0.09428840378920238},{"text":"Now I know you went through the kind of that risk profile question there with Carl, so I won't go through all of that with you again.","start":507.97998,"end":513.26,"sentiment":"neutral","sentiment_score":0.04480628710654047},{"text":"And, obviously, because you're doing some investment as well, you would be a bit more familiar with it.","start":513.26,"end":519.02,"sentiment":"neutral","sentiment_score":0.048636429425742894},{"text":"So are you still comfortable with a high growth portfolio?","start":519.02,"end":522.33496,"sentiment":"neutral","sentiment_score":0.03420422039926052},{"text":"Would you like to make any changes to your risk allocation in your superannuation?","start":523.035,"end":527.45496,"sentiment":"neutral","sentiment_score":0.023995153872030123}],"sentiment":"neutral","sentiment_score":0.04973245114975032,"num_words":84,"start":500.005,"end":527.45496},{"sentences":[{"text":"No.","start":530.15497,"end":530.65497,"sentiment":"neutral","sentiment_score":-0.17401376366615295},{"text":"Yep.","start":532.57,"end":532.97,"sentiment":"neutral","sentiment_score":0.019089914858341217},{"text":"And you do have plenty of time until retirement.","start":532.97,"end":535.31,"sentiment":"neutral","sentiment_score":0.039250143286254674},{"text":"So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have enough time in the market, which you certainly do.","start":535.52997,"end":545.835,"sentiment":"neutral","sentiment_score":0.055687535652204564},{"text":"So time frame, perfect.","start":545.835,"end":547.355,"sentiment":"neutral","sentiment_score":0.1900058351457119}],"sentiment":"neutral","sentiment_score":0.05800900256858682,"num_words":53,"start":530.15497,"end":547.355},{"sentences":[{"text":"Obviously, as long as you're comfortable, which is great.","start":547.355,"end":549.855,"sentiment":"neutral","sentiment_score":0.19657343957159254},{"text":"Now, Zoe, I have just sent you an email with some documents.","start":550.875,"end":554.095,"sentiment":"neutral","sentiment_score":0.030985415913164616},{"text":"Do you have access to your emails at the moment or or not really right now?","start":554.155,"end":557.935,"sentiment":"neutral","sentiment_score":0.010856389068067074},{"text":"Yeah?","start":559.61005,"end":560.01,"sentiment":"neutral","sentiment_score":0.040839530527591705},{"text":"Okay.","start":560.01,"end":560.49005,"sentiment":"neutral","sentiment_score":0.11067541688680647}],"sentiment":"neutral","sentiment_score":0.06323597742578922,"num_words":39,"start":547.355,"end":560.49005},{"sentences":[{"text":"Perfect.","start":560.49005,"end":560.99005,"sentiment":"neutral","sentiment_score":0.20827677845954895},{"text":"So if you could access that for me, that would be great.","start":561.13,"end":563.95,"sentiment":"neutral","sentiment_score":0.20011011386911073},{"text":"Now we have just changed the software, so it might look a little bit different to what you are having used to before.","start":564.33,"end":570.59,"sentiment":"neutral","sentiment_score":0.02662452107862286},{"text":"Just let me know if that one came through okay on your end.","start":572.66504,"end":575.965,"sentiment":"neutral","sentiment_score":0.10019815082733448},{"text":"Great.","start":592.28,"end":592.76,"sentiment":"positive","sentiment_score":0.706443190574646}],"sentiment":"neutral","sentiment_score":0.10461962562054396,"num_words":50,"start":560.49005,"end":592.76},{"sentences":[{"text":"Yes.","start":592.76,"end":593.24005,"sentiment":"positive","sentiment_score":0.5669794678688049},{"text":"Perfect.","start":593.24005,"end":593.74005,"sentiment":"positive","sentiment_score":0.6280670166015625},{"text":"Now before you click on the link, so if you open the email, it will say a link where it says sign out.","start":593.88,"end":600.765,"sentiment":"neutral","sentiment_score":0.1379773555242497},{"text":"Just hold off clicking on that one for me.","start":600.765,"end":602.945,"sentiment":"neutral","sentiment_score":0.10879858376251327},{"text":"And if you scroll down in the email, you should see a couple of attachments.","start":603.005,"end":606.385,"sentiment":"neutral","sentiment_score":0.09361346513032913}],"sentiment":"neutral","sentiment_score":0.13779418147644218,"num_words":49,"start":592.76,"end":606.385},{"sentences":[{"text":"Can you see those?","start":607.245,"end":608.305,"sentiment":"neutral","sentiment_score":0.060012975707650185},{"text":"Yep.","start":610.22003,"end":610.62,"sentiment":"neutral","sentiment_score":0.20957116782665253},{"text":"Perfect.","start":610.62,"end":611.12,"sentiment":"positive","sentiment_score":0.5748307108879089},{"text":"Now to make it easier on your side, we can go through them quickly in the way that you see them.","start":611.74,"end":617.74,"sentiment":"positive","sentiment_score":0.45710907521701993},{"text":"So what's the first document for you?","start":617.74,"end":620.08,"sentiment":"neutral","sentiment_score":0.05336858172501836}],"sentiment":"neutral","sentiment_score":0.32345071862287383,"num_words":34,"start":607.245,"end":620.08},{"sentences":[{"text":"Okay.","start":624.315,"end":624.715,"sentiment":"neutral","sentiment_score":0.1266944259405136},{"text":"Perfect.","start":624.715,"end":625.215,"sentiment":"positive","sentiment_score":0.35559189319610596},{"text":"So that one and then the next one should be Okvue financial services guide version four.","start":625.275,"end":630.41504,"sentiment":"neutral","sentiment_score":0.11617357190698385},{"text":"I will get you to have a read over in your own time.","start":630.875,"end":634.075,"sentiment":"neutral","sentiment_score":0.15459709958388254},{"text":"There are just some updated financial services guide.","start":634.075,"end":636.88,"sentiment":"neutral","sentiment_score":0.09000016376376152}],"sentiment":"neutral","sentiment_score":0.13002120703458786,"num_words":39,"start":624.315,"end":636.88},{"sentences":[{"text":"You would have seen this one before.","start":636.88,"end":638.33997,"sentiment":"neutral","sentiment_score":0.08706606924533844},{"text":"One of those compliance documents, just a bit of an update.","start":638.63995,"end":641.54,"sentiment":"neutral","sentiment_score":0.07416104660792784},{"text":"All the important information is still in there.","start":641.92,"end":644.39996,"sentiment":"neutral","sentiment_score":0.13294047582894564},{"text":"So everything you need to know about the team, our directors, all our advices is in there.","start":644.39996,"end":648.89996,"sentiment":"neutral","sentiment_score":0.1506958494291586},{"text":"If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that.","start":649.355,"end":656.175,"sentiment":"neutral","sentiment_score":-0.02885851642737786}],"sentiment":"neutral","sentiment_score":0.057326462349458915,"num_words":73,"start":636.88,"end":656.175},{"sentences":[{"text":"Otherwise, no direct changes.","start":656.555,"end":658.095,"sentiment":"neutral","sentiment_score":-0.11968717910349369},{"text":"Otherwise, we had a bit of a revamp to marketing, which you will see, which is nice.","start":658.15497,"end":662.315,"sentiment":"neutral","sentiment_score":0.21383563516771092},{"text":"But, yeah, otherwise, no major changes.","start":662.315,"end":665.3,"sentiment":"neutral","sentiment_score":0.03474112289647261},{"text":"What's the next one you can see?","start":666.08,"end":668.18,"sentiment":"neutral","sentiment_score":0.038612737719501765},{"text":"Yes.","start":673.92,"end":674.42,"sentiment":"neutral","sentiment_score":0.038375794887542725}],"sentiment":"neutral","sentiment_score":0.10495910793542862,"num_words":35,"start":656.555,"end":674.42},{"sentences":[{"text":"Sorry.","start":674.56,"end":675.06,"sentiment":"neutral","sentiment_score":0.0033782795071601868},{"text":"This is your Cal certificate of currency, and that just breaks down your insurances.","start":675.2,"end":680.935,"sentiment":"neutral","sentiment_score":0.047463037339704375},{"text":"But if there is one above that where it says super insurance summary, is that can you see that one?","start":681.235,"end":686.135,"sentiment":"neutral","sentiment_score":0.02907323492690921},{"text":"Yeah.","start":688.275,"end":688.515,"sentiment":"neutral","sentiment_score":0.08138391375541687},{"text":"If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit more information, but, basically, just let you know that's all paid and up to date so far.","start":688.515,"end":699.83997,"sentiment":"neutral","sentiment_score":0.13964388627145025}],"sentiment":"neutral","sentiment_score":0.09400844810829487,"num_words":81,"start":674.56,"end":699.83997},{"sentences":[{"text":"And let me know if you can see that summary.","start":701.42,"end":703.58,"sentiment":"neutral","sentiment_score":0.20715582817792894},{"text":"If you could open that one for me, that would be good.","start":703.58,"end":706.0,"sentiment":"neutral","sentiment_score":0.2871577839056651},{"text":"Great.","start":709.375,"end":709.855,"sentiment":"neutral","sentiment_score":0.06046072021126747},{"text":"So as you can see, you do have your superannuation with Hub twenty four, and you do have approximately 148,573 in there.","start":709.855,"end":720.09,"sentiment":"neutral","sentiment_score":0.12862194498831575},{"text":"Now you do also have some insurances with let me see here.","start":720.57,"end":724.99005,"sentiment":"neutral","sentiment_score":0.05331488714242975}],"sentiment":"neutral","sentiment_score":0.15872585691773056,"num_words":57,"start":701.42,"end":724.99005},{"sentences":[{"text":"Let me just triple check those documents.","start":725.77,"end":727.71,"sentiment":"neutral","sentiment_score":0.04812439850398472},{"text":"So the title fee actually should have said one part, so apologies for the typo.","start":728.57,"end":733.07,"sentiment":"neutral","sentiment_score":-0.02842961127559344},{"text":"One path is definitely your insurer.","start":733.91504,"end":736.17505,"sentiment":"neutral","sentiment_score":0.06953319100042184},{"text":"Now you have life and total permanent disability with one path of a million dollars.","start":737.35504,"end":743.85504,"sentiment":"neutral","sentiment_score":0.07568463409940401},{"text":"Are you still happy with those level of covers?","start":743.91504,"end":746.73505,"sentiment":"neutral","sentiment_score":0.07696849976976712}],"sentiment":"neutral","sentiment_score":0.041454072611836285,"num_words":52,"start":725.77,"end":746.73505},{"sentences":[{"text":"Has anything changed when it comes to your insurances?","start":746.85,"end":749.26996,"sentiment":"neutral","sentiment_score":-0.03785299095842573},{"text":"Nope.","start":751.88995,"end":752.37,"sentiment":"neutral","sentiment_score":-0.1592869013547897},{"text":"Perfect.","start":752.37,"end":752.87,"sentiment":"neutral","sentiment_score":0.1657131463289261},{"text":"Now I can see that you don't have, obviously, income protection and trauma insurance.","start":753.25,"end":757.64996,"sentiment":"neutral","sentiment_score":-0.12178211712411471},{"text":"You would have kind of gone through that discussion when you spoke to Carl.","start":757.64996,"end":761.115,"sentiment":"neutral","sentiment_score":-0.10981318407825061}],"sentiment":"neutral","sentiment_score":-0.09170730488422589,"num_words":39,"start":746.85,"end":761.115},{"sentences":[{"text":"Are you still comfortable not having, obviously, trauma and income protection?","start":761.115,"end":764.495,"sentiment":"neutral","sentiment_score":-0.17723926834084772},{"text":"Yep.","start":767.355,"end":767.855,"sentiment":"neutral","sentiment_score":0.1752462089061737},{"text":"Perfect.","start":767.915,"end":768.415,"sentiment":"positive","sentiment_score":0.44136735796928406},{"text":"Now with the insurance, it is quite cheap for you, which is great.","start":769.835,"end":773.85004,"sentiment":"positive","sentiment_score":0.5766199208222903},{"text":"Obviously, young and not a very risky occupation in the insurance line.","start":773.85004,"end":777.95,"sentiment":"neutral","sentiment_score":0.2055856635173162}],"sentiment":"neutral","sentiment_score":0.22710706705325528,"num_words":38,"start":761.115,"end":777.95},{"sentences":[{"text":"So after the tax rebate, it's about $452 for those two.","start":778.41003,"end":783.63,"sentiment":"neutral","sentiment_score":0.16505316577174448},{"text":"Perfect.","start":785.625,"end":786.125,"sentiment":"positive","sentiment_score":0.4220742583274842},{"text":"Now the next document should then be a performance report, a twelve month hub 24.","start":786.185,"end":794.52496,"sentiment":"neutral","sentiment_score":0.16752477039893468},{"text":"Can you see that one?","start":795.225,"end":796.445,"sentiment":"neutral","sentiment_score":0.07438648492097855},{"text":"Yes.","start":797.88,"end":798.38,"sentiment":"neutral","sentiment_score":0.18861344456672668}],"sentiment":"neutral","sentiment_score":0.16094171233249432,"num_words":33,"start":778.41003,"end":798.38},{"sentences":[{"text":"Perfect.","start":798.52,"end":799.02,"sentiment":"positive","sentiment_score":0.39056700468063354},{"text":"Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well.","start":799.08,"end":809.26,"sentiment":"neutral","sentiment_score":0.2510514999739826},{"text":"Now the internal rate of return, everything is net of fees as well.","start":810.045,"end":814.205,"sentiment":"neutral","sentiment_score":0.1718219919846608},{"text":"So if you want to scroll to the second page for me first where it says total portfolio.","start":814.205,"end":819.665,"sentiment":"neutral","sentiment_score":0.06467871202362908},{"text":"Can you see that?","start":820.125,"end":821.185,"sentiment":"neutral","sentiment_score":0.04884164780378342}],"sentiment":"neutral","sentiment_score":0.17672771040131063,"num_words":68,"start":798.52,"end":821.185},{"sentences":[{"text":"Yep.","start":821.82,"end":822.06,"sentiment":"neutral","sentiment_score":0.18224862217903137},{"text":"Perfect.","start":822.06,"end":822.54004,"sentiment":"positive","sentiment_score":0.4079717993736267},{"text":"So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees, which is good.","start":822.54004,"end":839.17505,"sentiment":"positive","sentiment_score":0.3387089755800035},{"text":"Now on the first page there, you will then see all the individual investments.","start":839.17505,"end":843.195,"sentiment":"neutral","sentiment_score":0.16607372994933808},{"text":"So the ones in the brackets are the ones that's down, and all the others are at positive.","start":843.335,"end":848.61505,"sentiment":"neutral","sentiment_score":0.2619016261564361}],"sentiment":"neutral","sentiment_score":0.28951121281973924,"num_words":79,"start":821.82,"end":848.61505},{"sentences":[{"text":"So you can kind of see all the individual investments.","start":848.61505,"end":851.195,"sentiment":"neutral","sentiment_score":0.1989483017474413},{"text":"Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one.","start":852.0,"end":859.22003,"sentiment":"neutral","sentiment_score":0.047131304517388346},{"text":"Yep.","start":860.72003,"end":861.12,"sentiment":"neutral","sentiment_score":0.26099902391433716},{"text":"Perfect.","start":861.12,"end":861.62,"sentiment":"positive","sentiment_score":0.535410463809967},{"text":"So we've done a lot of, you know, research on all the investments all the time.","start":861.84,"end":865.76,"sentiment":"neutral","sentiment_score":0.284137899056077}],"sentiment":"neutral","sentiment_score":0.16057323590623881,"num_words":53,"start":848.61505,"end":865.76},{"sentences":[{"text":"And after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations.","start":865.76,"end":873.755,"sentiment":"neutral","sentiment_score":-0.049608521127643496},{"text":"Now when it was recommended to you when you came on board, it was doing really well.","start":874.29504,"end":879.015,"sentiment":"positive","sentiment_score":0.5060299126540914},{"text":"It was one of the top performing fund managers and have done really well.","start":879.015,"end":882.81,"sentiment":"positive","sentiment_score":0.6676960672651019},{"text":"That's not to say it's always going to be the case, so that's why the reviews are so good and also, obviously, in between to research all the investments if we need to potentially make some changes.","start":883.05,"end":893.07,"sentiment":"neutral","sentiment_score":0.10954978393793509},{"text":"So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio.","start":893.61,"end":905.815,"sentiment":"neutral","sentiment_score":-0.24904837390702023}],"sentiment":"neutral","sentiment_score":0.08522678564203846,"num_words":132,"start":865.76,"end":905.815},{"sentences":[{"text":"Some of their choices as well haven't really played off.","start":906.515,"end":910.05505,"sentiment":"neutral","sentiment_score":-0.31580421179533},{"text":"One of the other companies that they had in their portfolio was the corporate travel group.","start":910.69,"end":915.43,"sentiment":"neutral","sentiment_score":-0.14699148247018456},{"text":"I'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes.","start":915.64996,"end":926.865,"sentiment":"neutral","sentiment_score":-0.20155253888745056},{"text":"So if you are happy for me to do so, I would like to do a bit more research on that and make a recommendation on potentially swapping that one for a a better option if you're happy for me to do that.","start":927.16504,"end":941.025,"sentiment":"neutral","sentiment_score":0.07645595229642335},{"text":"Yep.","start":942.68,"end":943.18,"sentiment":"neutral","sentiment_score":0.09066058695316316}],"sentiment":"neutral","sentiment_score":-0.09065403499537045,"num_words":108,"start":906.515,"end":943.18},{"sentences":[{"text":"Perfect.","start":943.24,"end":943.74,"sentiment":"neutral","sentiment_score":0.2594054639339447},{"text":"Now as I'm kind of researching your superannuation investments and stuff like that, do you have any have you read our newsletters at all recently?","start":945.72,"end":957.29504,"sentiment":"neutral","sentiment_score":0.0525139144808054},{"text":"Is that something you kind of keep an eye on or not really?","start":957.29504,"end":960.195,"sentiment":"neutral","sentiment_score":0.008277508788383924},{"text":"No.","start":962.335,"end":962.735,"sentiment":"neutral","sentiment_score":-0.06931433081626892},{"text":"That's okay.","start":962.735,"end":963.375,"sentiment":"neutral","sentiment_score":0.008035333186853677}],"sentiment":"neutral","sentiment_score":0.038728982756202596,"num_words":42,"start":943.24,"end":963.375},{"sentences":[{"text":"Most people say the same, to be fair.","start":963.375,"end":965.47504,"sentiment":"neutral","sentiment_score":0.0103177884593606},{"text":"But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of.","start":966.015,"end":975.42,"sentiment":"neutral","sentiment_score":0.06172086112201214},{"text":"Yep.","start":977.64,"end":978.14,"sentiment":"neutral","sentiment_score":0.0962834507226944},{"text":"And created an SMA with them.","start":978.68,"end":981.59503,"sentiment":"neutral","sentiment_score":0.09518137434497476},{"text":"Are you quite familiar with what an SMA, the self managed account, what that is?","start":981.59503,"end":986.495,"sentiment":"neutral","sentiment_score":0.00854350607842207}],"sentiment":"neutral","sentiment_score":0.04299856808323126,"num_words":52,"start":963.375,"end":986.495},{"sentences":[{"text":"Yeah.","start":993.77,"end":994.27,"sentiment":"neutral","sentiment_score":-0.007991333492100239},{"text":"So, basically, with the SMA, it's obviously not a self managed super fund.","start":994.65,"end":999.93,"sentiment":"neutral","sentiment_score":-0.032617249311162874},{"text":"It's a self managed account.","start":999.93,"end":1001.47003,"sentiment":"neutral","sentiment_score":0.007823812402784824},{"text":"Works a little bit different.","start":1002.41003,"end":1003.85004,"sentiment":"neutral","sentiment_score":-0.004674046486616135},{"text":"Obviously, it's still investments in your superannuation.","start":1003.85004,"end":1006.19,"sentiment":"neutral","sentiment_score":0.052433287990944724}],"sentiment":"neutral","sentiment_score":-0.0015881848070890673,"num_words":31,"start":993.77,"end":1006.19},{"sentences":[{"text":"It works a little bit different in that we can a little quicker make changes to the investment if need be.","start":1007.295,"end":1014.335,"sentiment":"neutral","sentiment_score":0.10343858599662781},{"text":"If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together.","start":1014.335,"end":1031.86,"sentiment":"neutral","sentiment_score":0.06258077093440553},{"text":"Obviously, booking an appointment to go through the statement of advice presented to you.","start":1031.9199,"end":1037.4149,"sentiment":"neutral","sentiment_score":0.1680463525865759},{"text":"You obviously agreeing and signing through it before we can make a change.","start":1037.4149,"end":1041.6749,"sentiment":"neutral","sentiment_score":0.15531639181650603},{"text":"The the kind of flip side is, though, that we can make the changes quickly in the back end.","start":1042.775,"end":1048.855,"sentiment":"neutral","sentiment_score":0.1401398703455925}],"sentiment":"neutral","sentiment_score":0.10694995871951095,"num_words":113,"start":1007.295,"end":1048.855},{"sentences":[{"text":"If you log in through Hub twenty four, you will still see all the individual investments, but you would just be invested in a portfolio instead of kind of the way that you have it at the moment.","start":1048.855,"end":1060.09,"sentiment":"neutral","sentiment_score":0.05944963299522275},{"text":"Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept?","start":1060.63,"end":1073.125,"sentiment":"neutral","sentiment_score":0.12097626126238278},{"text":"Yeah.","start":1081.44,"end":1081.94,"sentiment":"neutral","sentiment_score":0.03762306645512581},{"text":"The SMA yes.","start":1083.76,"end":1085.12,"sentiment":"neutral","sentiment_score":0.2322268784046173},{"text":"And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes.","start":1085.12,"end":1090.9249,"sentiment":"positive","sentiment_score":0.41699518805200403}],"sentiment":"neutral","sentiment_score":0.1656712427961104,"num_words":99,"start":1048.855,"end":1090.9249},{"sentences":[{"text":"You don't need to have as many, you know, appointments with going through the research and the investment changes.","start":1090.985,"end":1096.745,"sentiment":"neutral","sentiment_score":0.28078553629548925},{"text":"If something were to happen, we can quickly make it in the back end.","start":1096.745,"end":1100.6649,"sentiment":"positive","sentiment_score":0.39776567050388884},{"text":"Obviously, still let you know of the changes.","start":1100.6649,"end":1102.505,"sentiment":"positive","sentiment_score":0.40832237899303436},{"text":"And like I said, when you log in to Hub twenty four, you would still see the individual investment.","start":1102.505,"end":1107.1799,"sentiment":"positive","sentiment_score":0.35158106841539083},{"text":"It just means that we can do it quicker without having to go through that kind of heavy compliance aspect.","start":1107.4,"end":1112.14,"sentiment":"neutral","sentiment_score":0.2159718707203865}],"sentiment":"neutral","sentiment_score":0.31462126653641465,"num_words":80,"start":1090.985,"end":1112.14},{"sentences":[{"text":"But a lot of clients are, you know, quite happy with that because that means we can do that quick quicker in the back end for you.","start":1112.52,"end":1118.6549,"sentiment":"positive","sentiment_score":0.6491452692835419},{"text":"Obviously, all the legislation and best interest, that's all still in place.","start":1118.6549,"end":1122.0349,"sentiment":"neutral","sentiment_score":0.007639879283184807},{"text":"Some people on the other hand are like, no.","start":1122.495,"end":1124.6549,"sentiment":"neutral","sentiment_score":-0.0735466471976704},{"text":"I want to read through everything before you actually make a change, and that's also okay.","start":1124.6549,"end":1129.955,"sentiment":"neutral","sentiment_score":-0.046715038595721126},{"text":"So if you are comfortable with looking at both option, I will include it in the research to see, well, which one is going to have, you know, the best option and put you in the best position, you know, in fees and returns and and all of that.","start":1130.75,"end":1146.015,"sentiment":"neutral","sentiment_score":0.15826666415954121}],"sentiment":"neutral","sentiment_score":0.21207351259788318,"num_words":113,"start":1112.52,"end":1146.015},{"sentences":[{"text":"Yep.","start":1146.495,"end":1146.975,"sentiment":"neutral","sentiment_score":0.17818281054496765},{"text":"Okay.","start":1146.975,"end":1147.295,"sentiment":"neutral","sentiment_score":0.3062359094619751},{"text":"Great.","start":1147.295,"end":1147.6951,"sentiment":"positive","sentiment_score":0.6854243874549866},{"text":"Perfect.","start":1147.6951,"end":1148.1951,"sentiment":"positive","sentiment_score":0.654544472694397},{"text":"Last thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation.","start":1149.135,"end":1157.795,"sentiment":"neutral","sentiment_score":0.20293396545781028}],"sentiment":"neutral","sentiment_score":0.23560014991990982,"num_words":31,"start":1146.495,"end":1157.795},{"sentences":[{"text":"So do you know when you will start getting those contributions into the preannuation?","start":1158.095,"end":1163.51,"sentiment":"neutral","sentiment_score":0.07312940726322788},{"text":"Like, will that be quite soon?","start":1163.81,"end":1165.35,"sentiment":"neutral","sentiment_score":0.06476996218164761},{"text":"Yeah.","start":1179.015,"end":1179.515,"sentiment":"neutral","sentiment_score":-0.05236649885773659},{"text":"But, technically, you meant to be getting it from now.","start":1180.055,"end":1182.795,"sentiment":"neutral","sentiment_score":-0.05090540982782841},{"text":"Yeah.","start":1184.87,"end":1185.1901,"sentiment":"neutral","sentiment_score":0.013114752247929571}],"sentiment":"neutral","sentiment_score":0.027003925933968276,"num_words":32,"start":1158.095,"end":1185.1901},{"sentences":[{"text":"Okay.","start":1185.1901,"end":1185.6901,"sentiment":"neutral","sentiment_score":0.010579859837889671},{"text":"So what I might do then is because, obviously, the contributions, obviously, compounds and everything and impacts projections for you.","start":1186.55,"end":1194.25,"sentiment":"neutral","sentiment_score":0.0030032170470803976},{"text":"So if you are happy for me to do so, even though you will be back paid them, I can include it assuming the 12% of a 150 because that's what you should be getting paid.","start":1194.39,"end":1205.345,"sentiment":"neutral","sentiment_score":0.045381266416774854},{"text":"It's just a little bit backdated of when you'll actually get that.","start":1205.345,"end":1208.405,"sentiment":"neutral","sentiment_score":-0.06584166083484888},{"text":"Does that make sense?","start":1208.465,"end":1209.685,"sentiment":"neutral","sentiment_score":0.026886207051575184}],"sentiment":"neutral","sentiment_score":0.013997461506458994,"num_words":73,"start":1185.1901,"end":1209.685},{"sentences":[{"text":"Yes.","start":1210.305,"end":1210.705,"sentiment":"neutral","sentiment_score":0.21326568722724917},{"text":"Great.","start":1210.705,"end":1211.025,"sentiment":"positive","sentiment_score":0.41474393010139465},{"text":"Perfect.","start":1211.025,"end":1211.525,"sentiment":"positive","sentiment_score":0.4083543419837952},{"text":"And I do have here that, ideally, you would like to retire at the age of 60 and draw a weekly income of that 2,000 per week.","start":1212.2001,"end":1221.02,"sentiment":"neutral","sentiment_score":0.22847174991060187},{"text":"Does that sound about right?","start":1221.16,"end":1222.54,"sentiment":"neutral","sentiment_score":0.1429899275302887}],"sentiment":"neutral","sentiment_score":0.22628716698714665,"num_words":35,"start":1210.305,"end":1222.54},{"sentences":[{"text":"Perfect.","start":1222.76,"end":1223.26,"sentiment":"neutral","sentiment_score":0.3326772451400757},{"text":"Now the last thing there, Zoe, is if you're happy to do so, if you click on the link where it says sign now, it will ask you to sign through documents.","start":1224.2001,"end":1233.5349,"sentiment":"neutral","sentiment_score":0.14543104288168252},{"text":"Now one of them is your ongoing service agreement.","start":1233.755,"end":1237.775,"sentiment":"neutral","sentiment_score":0.04431938814620177},{"text":"No changes whatsoever in regards to the ongoing advice fee.","start":1238.7949,"end":1242.6549,"sentiment":"neutral","sentiment_score":-0.046540144458413125},{"text":"Stays exactly the same at that 1.65 from superannuation, and that basically just lets us service your account and everything for you.","start":1243.25,"end":1253.83,"sentiment":"positive","sentiment_score":0.39951060847802594}],"sentiment":"neutral","sentiment_score":0.1852591493594888,"num_words":74,"start":1222.76,"end":1253.83},{"sentences":[{"text":"But there's no lock in contract.","start":1254.21,"end":1255.73,"sentiment":"neutral","sentiment_score":0.03103506937623024},{"text":"So if at any point in time you not happy, there is no lock in contract.","start":1255.73,"end":1259.575,"sentiment":"neutral","sentiment_score":0.02002585376612842},{"text":"But as simply this just lets us, you know, stay on board and service you in the meantime.","start":1259.575,"end":1264.235,"sentiment":"positive","sentiment_score":0.3755282560984294},{"text":"And then the second one will be it's just like a compliance form.","start":1265.255,"end":1269.835,"sentiment":"neutral","sentiment_score":0.2302937266918329},{"text":"Just basically to say that we are keeping your tax phone number secure and safe on-site.","start":1269.975,"end":1274.04,"sentiment":"neutral","sentiment_score":0.23879550117999315}],"sentiment":"neutral","sentiment_score":0.2040678137994331,"num_words":69,"start":1254.21,"end":1274.04},{"sentences":[{"text":"Do you have any questions in regards to any of that?","start":1274.74,"end":1277.64,"sentiment":"neutral","sentiment_score":0.11061833595687692},{"text":"No?","start":1279.14,"end":1279.54,"sentiment":"neutral","sentiment_score":-0.02216985449194908},{"text":"Okay.","start":1279.54,"end":1280.04,"sentiment":"neutral","sentiment_score":0.22639362514019012},{"text":"Perfect.","start":1280.1,"end":1280.6,"sentiment":"positive","sentiment_score":0.4615958333015442},{"text":"Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment.","start":1281.4601,"end":1291.615,"sentiment":"neutral","sentiment_score":0.2636221570743097}],"sentiment":"neutral","sentiment_score":0.22816943355342922,"num_words":51,"start":1274.74,"end":1291.615},{"sentences":[{"text":"Now when is typically a best time for you?","start":1292.795,"end":1296.395,"sentiment":"neutral","sentiment_score":0.0955629472931226},{"text":"So it probably takes me about a week and a half to get all the research and everything together.","start":1296.395,"end":1300.495,"sentiment":"neutral","sentiment_score":0.1302677420409102},{"text":"Fairly free?","start":1305.99,"end":1306.87,"sentiment":"neutral","sentiment_score":0.19271732866764069},{"text":"Okay.","start":1306.87,"end":1307.27,"sentiment":"neutral","sentiment_score":0.06309811025857925},{"text":"Do you have a preference on, like, Monday through Thursdays?","start":1307.27,"end":1309.83,"sentiment":"neutral","sentiment_score":0.04711975492537022}],"sentiment":"neutral","sentiment_score":0.10377765710397464,"num_words":41,"start":1292.795,"end":1309.83},{"sentences":[{"text":"Any particular day or quite flexible.","start":1309.83,"end":1313.0499,"sentiment":"neutral","sentiment_score":0.02629209216684103},{"text":"Okay.","start":1313.505,"end":1313.985,"sentiment":"neutral","sentiment_score":0.07121192663908005},{"text":"Perfect.","start":1313.985,"end":1314.485,"sentiment":"neutral","sentiment_score":0.17836973071098328},{"text":"Yeah.","start":1318.545,"end":1318.865,"sentiment":"neutral","sentiment_score":0.09489201009273528},{"text":"Well, that works easier easier for me because a lot of my afternoons fill out very quickly and early morning because people usually the opposite.","start":1318.865,"end":1328.725,"sentiment":"neutral","sentiment_score":0.21923571407794953}],"sentiment":"neutral","sentiment_score":0.17597409036448775,"num_words":34,"start":1309.83,"end":1328.725},{"sentences":[{"text":"So that's great.","start":1329.27,"end":1330.25,"sentiment":"neutral","sentiment_score":0.2518211007118225},{"text":"Sorry.","start":1330.31,"end":1330.79,"sentiment":"neutral","sentiment_score":-0.055819425731897354},{"text":"Let me have a look here.","start":1330.79,"end":1332.23,"sentiment":"neutral","sentiment_score":-0.023423957793662947},{"text":"Sorry.","start":1332.23,"end":1332.73,"sentiment":"neutral","sentiment_score":-0.029479486867785457},{"text":"I could do let me see here.","start":1333.99,"end":1338.0901,"sentiment":"neutral","sentiment_score":0.0000547907714332853}],"sentiment":"neutral","sentiment_score":0.029444676565213337,"num_words":18,"start":1329.27,"end":1338.0901},{"sentences":[{"text":"She said the twenty eighth, and we can do same time.","start":1339.27,"end":1342.3301,"sentiment":"neutral","sentiment_score":0.01942287241532044},{"text":"Oh, actually, if we do 01:00 your time, will that work?","start":1342.39,"end":1348.995,"sentiment":"neutral","sentiment_score":0.02480409929359501},{"text":"Yeah?","start":1349.4551,"end":1349.9551,"sentiment":"neutral","sentiment_score":0.06632070243358612},{"text":"Great.","start":1350.0951,"end":1350.5751,"sentiment":"neutral","sentiment_score":0.30232924222946167},{"text":"Perfect.","start":1350.5751,"end":1351.0751,"sentiment":"positive","sentiment_score":0.4010099768638611}],"sentiment":"neutral","sentiment_score":0.050246264412999155,"num_words":25,"start":1339.27,"end":1351.0751},{"sentences":[{"text":"Would you like a reminder text sent, like, an hour or two before the appointment in case something comes up?","start":1351.375,"end":1356.18,"sentiment":"neutral","sentiment_score":0.11775886025279761},{"text":"Yeah?","start":1356.3401,"end":1356.66,"sentiment":"neutral","sentiment_score":0.060810163617134094},{"text":"Okay.","start":1356.66,"end":1357.14,"sentiment":"neutral","sentiment_score":0.11062660813331604},{"text":"Perfect.","start":1357.14,"end":1357.64,"sentiment":"positive","sentiment_score":0.4417867660522461},{"text":"Well, that is all booked in on Tuesday, the twenty eighth at one I said 01:30.","start":1358.42,"end":1364.66,"sentiment":"neutral","sentiment_score":0.08427791553549469}],"sentiment":"neutral","sentiment_score":0.11068839465196316,"num_words":39,"start":1351.375,"end":1364.66},{"sentences":[{"text":"No.","start":1364.66,"end":1364.9801,"sentiment":"neutral","sentiment_score":-0.04097128286957741},{"text":"01:00 your time, 01:30 my 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you.","start":1375.5851,"end":1382.43,"sentiment":"neutral","sentiment_score":0.11472360842994281},{"text":"Perfect.","start":1384.27,"end":1384.77,"sentiment":"positive","sentiment_score":0.7699719071388245},{"text":"No problem at all.","start":1384.9901,"end":1385.63,"sentiment":"positive","sentiment_score":0.6825180053710938},{"text":"Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your time.","start":1385.63,"end":1391.7301,"sentiment":"positive","sentiment_score":0.7388765525359374}],"sentiment":"positive","sentiment_score":0.3729165155544049,"num_words":72,"start":1371.665,"end":1391.7301},{"sentences":[{"text":"Thank you.","start":1393.31,"end":1394.13,"sentiment":"positive","sentiment_score":0.5515754222869873},{"text":"Bye.","start":1394.3501,"end":1394.8501,"sentiment":"neutral","sentiment_score":-0.11681487411260603}],"sentiment":"neutral","sentiment_score":0.3287786568204562,"num_words":3,"start":1393.31,"end":1394.8501}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. This is Zoe. Good. Thank you. Yeah. That'd be fine. Yeah. No worries. Yep. It's Zoe Foxwell. 497 Wingerle Avenue, Place, and 06/30/1990. Sorry. What was that? Yeah. All good. Yeah. Yeah. Nothing to yeah. No. It's just chugging along. Obviously, the stock market has been a bit all over the place. But Yes. That's correct. Yep. That's correct. Yep. Yes. We have the the farm ABN business. Oh, and I worked as a consultant, but under the same ABN. Yes. That's correct. Is it that bad business? Yeah. Mine and my husband's. Yep. That's still correct. The the house. Is that what you said? Sorry. No. I'm not employed by the businesses that showed because I'm an owner, but it's a trust. No. No. The $1.50 is external as a consultant. Yeah. Sorry. So the subcontracting is to Cal Electric and their company. Sorry. Got a bit lost in that one. I have been. Yes. But I am meant to be getting, like, the rules have changed and subcontractors now can be classified as employees, and I'll be getting paid by Cal Electric from now on. Yes. Yes. Correct. Probably not at this stage. Yep. Yes. That's correct. Yep. Still correct. We've got about a 180 in there now. Sorry. What was that? No. No. Yes. That's true. Correct. Yes. Yep. That's correct. We're kind of doing a share investment, obviously, as well as we're just sort of hedging a little bit with share with super, obviously. Don't know what the government's gonna do and stuff. So doing a bit of that, bit of super, bit of shares, and seeing what comes out. Yep. No. I'm happy with it still being on the risky side at the moment. Yes. Mhmm. Yeah. I do. Yep. No worries. Yep. I'm seeing it now. Just one time I jump. Yep. Alright. V services card version one. Yep. The date and then Cal c o z. Yep. Perfect. Yep. I can. Yep. I can see that. No. That's fine. Yeah. For the moment. Yep. Yep. Yep. Yep. Mhmm. Yeah. Yep. Not really. Yeah. Yeah. I understand the concept. I've never done anything with them, though. I kinda like someone just doing it for me. It sounds like it would involve me doing more. Yeah. Sure. Happy to have a look at both options. Yeah. They're being painful. I'm not really sure. And because it does actually date for two years' worth, so I'm assuming it'll have to go through, like, the AGO, like, late payment portal thing. Yes. Mhmm. Yeah. That's fine. Yep. Yep. Yep. Mhmm. No. That's fine. I'm fairly flexible. Just not Mondays. Any of the other days are okay. And ideally in school hours if possible. So, like, nine till three. Perfect. Yeah. That'll be fine. Yep. Yep. Sounds good. Yeah. Sure. Yep. Thank you. No worries. Thank you. Perfect. Thank you. See you. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello.\n\nThis is Zoe. Good. Thank you. Yeah. That'd be fine.\n\nYeah. No worries. Yep. It's Zoe Foxwell. 497 Wingerle Avenue, Place, and 06/30/1990.\n\nSorry. What was that? Yeah. All good. Yeah.\n\nYeah. Nothing to yeah. No. It's just chugging along. Obviously, the stock market has been a bit all over the place.\n\nBut Yes. That's correct. Yep. That's correct. Yep.\n\nYes. We have the the farm ABN business. Oh, and I worked as a consultant, but under the same ABN. Yes. That's correct.\n\nIs it that bad business? Yeah. Mine and my husband's. Yep. That's still correct.\n\nThe the house. Is that what you said? Sorry. No. I'm not employed by the businesses that showed because I'm an owner, but it's a trust.\n\nNo. No. The $1.50 is external as a consultant. Yeah. Sorry.\n\nSo the subcontracting is to Cal Electric and their company. Sorry. Got a bit lost in that one. I have been. Yes.\n\nBut I am meant to be getting, like, the rules have changed and subcontractors now can be classified as employees, and I'll be getting paid by Cal Electric from now on. Yes. Yes. Correct. Probably not at this stage.\n\nYep. Yes. That's correct. Yep. Still correct.\n\nWe've got about a 180 in there now. Sorry. What was that? No. No.\n\nYes. That's true. Correct. Yes. Yep.\n\nThat's correct. We're kind of doing a share investment, obviously, as well as we're just sort of hedging a little bit with share with super, obviously. Don't know what the government's gonna do and stuff. So doing a bit of that, bit of super, bit of shares, and seeing what comes out. Yep.\n\nNo. I'm happy with it still being on the risky side at the moment. Yes. Mhmm. Yeah.\n\nI do. Yep. No worries. Yep. I'm seeing it now.\n\nJust one time I jump. Yep. Alright. V services card version one. Yep.\n\nThe date and then Cal c o z. Yep. Perfect. Yep. I can.\n\nYep. I can see that. No. That's fine. Yeah.\n\nFor the moment. Yep. Yep. Yep. Yep.\n\nMhmm. Yeah. Yep. Not really. Yeah.\n\nYeah. I understand the concept. I've never done anything with them, though. I kinda like someone just doing it for me. It sounds like it would involve me doing more.\n\nYeah. Sure. Happy to have a look at both options. Yeah. They're being painful.\n\nI'm not really sure. And because it does actually date for two years' worth, so I'm assuming it'll have to go through, like, the AGO, like, late payment portal thing. Yes. Mhmm. Yeah.\n\nThat's fine. Yep. Yep. Yep. Mhmm.\n\nNo. That's fine. I'm fairly flexible. Just not Mondays. Any of the other days are okay.\n\nAnd ideally in school hours if possible. So, like, nine till three. Perfect. Yeah. That'll be fine.\n\nYep. Yep. Sounds good. Yeah. Sure.\n\nYep. Thank you. No worries. Thank you. Perfect.\n\nThank you. See you. 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trust.","start":266.735,"end":273.155,"sentiment":"neutral","sentiment_score":-0.06372922169975936}],"sentiment":"neutral","sentiment_score":-0.04530143220192538,"num_words":26,"start":259.33002,"end":273.155},{"sentences":[{"text":"No.","start":281.31,"end":281.47,"sentiment":"neutral","sentiment_score":-0.06808667629957199},{"text":"No.","start":281.47,"end":281.71,"sentiment":"neutral","sentiment_score":-0.05740910768508911},{"text":"The $1.50 is external as a consultant.","start":281.71,"end":284.21,"sentiment":"neutral","sentiment_score":-0.03767445044858115},{"text":"Yeah.","start":286.83002,"end":287.23,"sentiment":"neutral","sentiment_score":0.011940130032598972},{"text":"Sorry.","start":287.23,"end":287.55,"sentiment":"neutral","sentiment_score":-0.030826833099126816}],"sentiment":"neutral","sentiment_score":-0.03710033092647791,"num_words":11,"start":281.31,"end":287.55},{"sentences":[{"text":"So the subcontracting is to Cal Electric and their company.","start":287.55,"end":290.69,"sentiment":"neutral","sentiment_score":-0.002218327671289444},{"text":"Sorry.","start":292.995,"end":293.315,"sentiment":"neutral","sentiment_score":-0.032358527183532715},{"text":"Got a bit lost in that one.","start":293.315,"end":294.615,"sentiment":"neutral","sentiment_score":-0.1791098639369011},{"text":"I have been.","start":316.81,"end":317.77,"sentiment":"neutral","sentiment_score":0.00786245862642924},{"text":"Yes.","start":317.77,"end":318.16998,"sentiment":"neutral","sentiment_score":0.0392301008105278}],"sentiment":"neutral","sentiment_score":-0.05661333521658724,"num_words":22,"start":287.55,"end":318.16998},{"sentences":[{"text":"But I am meant to be getting, like, the rules have changed and subcontractors now can be classified as employees, and I'll be getting paid by Cal Electric from now on.","start":318.16998,"end":330.55502,"sentiment":"neutral","sentiment_score":0.09541415807700926},{"text":"Yes.","start":354.295,"end":354.795,"sentiment":"neutral","sentiment_score":0.011692563071846962},{"text":"Yes.","start":360.375,"end":360.535,"sentiment":"neutral","sentiment_score":0.057151056826114655},{"text":"Correct.","start":360.535,"end":361.035,"sentiment":"neutral","sentiment_score":0.13726162910461426},{"text":"Probably not at this stage.","start":371.56,"end":373.1,"sentiment":"neutral","sentiment_score":-0.07728906944394112}],"sentiment":"neutral","sentiment_score":0.07121791800436302,"num_words":39,"start":318.16998,"end":373.1},{"sentences":[{"text":"Yep.","start":384.72498,"end":385.22498,"sentiment":"neutral","sentiment_score":0.02891427092254162},{"text":"Yes.","start":390.085,"end":390.405,"sentiment":"neutral","sentiment_score":0.05711226165294647},{"text":"That's correct.","start":390.405,"end":391.22498,"sentiment":"neutral","sentiment_score":0.11730485782027245},{"text":"Yep.","start":399.27,"end":399.77,"sentiment":"neutral","sentiment_score":0.06895331293344498},{"text":"Still correct.","start":399.83,"end":400.57,"sentiment":"neutral","sentiment_score":0.08412092924118042}],"sentiment":"neutral","sentiment_score":0.0796902028045484,"num_words":7,"start":384.72498,"end":400.57},{"sentences":[{"text":"We've got about a 180 in there now.","start":405.73502,"end":408.475,"sentiment":"neutral","sentiment_score":0.052591545740142465},{"text":"Sorry.","start":417.49503,"end":417.815,"sentiment":"neutral","sentiment_score":-0.017849061638116837},{"text":"What was that?","start":417.815,"end":418.635,"sentiment":"neutral","sentiment_score":-0.016624889336526394},{"text":"No.","start":427.24002,"end":427.64,"sentiment":"neutral","sentiment_score":-0.0943753570318222},{"text":"No.","start":427.64,"end":428.14,"sentiment":"neutral","sentiment_score":-0.09625770896673204}],"sentiment":"neutral","sentiment_score":0.011598255019634962,"num_words":14,"start":405.73502,"end":428.14},{"sentences":[{"text":"Yes.","start":439.395,"end":439.875,"sentiment":"neutral","sentiment_score":0.08760647475719452},{"text":"That's true.","start":439.875,"end":440.435,"sentiment":"neutral","sentiment_score":0.14655275642871857},{"text":"Correct.","start":440.435,"end":440.935,"sentiment":"neutral","sentiment_score":0.2467448115348816},{"text":"Yes.","start":456.81,"end":457.05,"sentiment":"neutral","sentiment_score":0.11410631239414216},{"text":"Yep.","start":457.05,"end":457.37,"sentiment":"neutral","sentiment_score":0.06642380356788635}],"sentiment":"neutral","sentiment_score":0.13466448585192362,"num_words":6,"start":439.395,"end":457.37},{"sentences":[{"text":"That's correct.","start":457.37,"end":458.19,"sentiment":"neutral","sentiment_score":0.14663205668330193},{"text":"We're kind of doing a share investment, obviously, as well as we're just sort of hedging a little bit with share with super, obviously.","start":474.59,"end":484.37,"sentiment":"neutral","sentiment_score":0.058822212275117636},{"text":"Don't know what the government's gonna do and stuff.","start":484.99,"end":487.185,"sentiment":"neutral","sentiment_score":0.012329549425178103},{"text":"So doing a bit of that, bit of super, bit of shares, and seeing what comes out.","start":487.26498,"end":492.805,"sentiment":"neutral","sentiment_score":0.030174404601840413},{"text":"Yep.","start":497.745,"end":498.245,"sentiment":"neutral","sentiment_score":0.19220274686813352}],"sentiment":"neutral","sentiment_score":0.04756850524331039,"num_words":53,"start":457.37,"end":498.245},{"sentences":[{"text":"No.","start":528.81995,"end":529.06,"sentiment":"neutral","sentiment_score":-0.09784996509552002},{"text":"I'm happy with it still being on the risky side at the 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now.","start":589.81,"end":590.76996,"sentiment":"neutral","sentiment_score":0.12310531362891197}],"sentiment":"neutral","sentiment_score":0.09534920528531074,"num_words":10,"start":558.88,"end":590.76996},{"sentences":[{"text":"Just one time I jump.","start":590.76996,"end":592.07,"sentiment":"neutral","sentiment_score":0.08996440395712853},{"text":"Yep.","start":609.385,"end":609.885,"sentiment":"neutral","sentiment_score":0.1312192678451538},{"text":"Alright.","start":621.44,"end":621.76,"sentiment":"neutral","sentiment_score":0.034593455493450165},{"text":"V services card version one.","start":621.76,"end":630.95996,"sentiment":"neutral","sentiment_score":0.034940533339977264},{"text":"Yep.","start":630.95996,"end":631.425,"sentiment":"neutral","sentiment_score":0.14781057834625244}],"sentiment":"neutral","sentiment_score":0.07216522985926041,"num_words":13,"start":590.76996,"end":631.425},{"sentences":[{"text":"The date and then Cal c o z.","start":670.9,"end":673.4,"sentiment":"neutral","sentiment_score":0.020734480815008283},{"text":"Yep.","start":687.495,"end":687.995,"sentiment":"neutral","sentiment_score":0.07196421176195145},{"text":"Perfect.","start":695.64996,"end":696.14996,"sentiment":"neutral","sentiment_score":0.21319124102592468},{"text":"Yep.","start":707.01,"end":707.41,"sentiment":"neutral","sentiment_score":0.147623211145401},{"text":"I can.","start":707.41,"end":707.89,"sentiment":"neutral","sentiment_score":0.1678498461842537}],"sentiment":"neutral","sentiment_score":0.07187340021706544,"num_words":13,"start":670.9,"end":707.89},{"sentences":[{"text":"Yep.","start":707.89,"end":708.13,"sentiment":"neutral","sentiment_score":0.10891394317150116},{"text":"I can see that.","start":708.13,"end":709.005,"sentiment":"neutral","sentiment_score":0.18911746889352798},{"text":"No.","start":750.61,"end":750.93,"sentiment":"neutral","sentiment_score":-0.18892666697502136},{"text":"That's fine.","start":750.93,"end":755.19,"sentiment":"neutral","sentiment_score":-0.12250412255525589},{"text":"Yeah.","start":765.825,"end":766.065,"sentiment":"neutral","sentiment_score":-0.04178059101104736}],"sentiment":"neutral","sentiment_score":0.043296479516559176,"num_words":9,"start":707.89,"end":766.065},{"sentences":[{"text":"For the moment.","start":766.065,"end":766.965,"sentiment":"neutral","sentiment_score":-0.011687627683083216},{"text":"Yep.","start":784.38,"end":784.88,"sentiment":"neutral","sentiment_score":0.21073757112026217},{"text":"Yep.","start":797.015,"end":797.515,"sentiment":"neutral","sentiment_score":0.09265297651290894},{"text":"Yep.","start":820.82,"end":821.32,"sentiment":"neutral","sentiment_score":0.08669741451740265},{"text":"Yep.","start":821.46,"end":821.96,"sentiment":"neutral","sentiment_score":0.09506742656230928}],"sentiment":"neutral","sentiment_score":0.06429892938051905,"num_words":7,"start":766.065,"end":821.96},{"sentences":[{"text":"Mhmm.","start":837.495,"end":837.995,"sentiment":"neutral","sentiment_score":0.27936267852783203},{"text":"Yeah.","start":859.85504,"end":860.35504,"sentiment":"neutral","sentiment_score":0.12143342196941376},{"text":"Yep.","start":941.85504,"end":942.35504,"sentiment":"neutral","sentiment_score":0.055721402168273926},{"text":"Not really.","start":961.44,"end":962.18005,"sentiment":"neutral","sentiment_score":-0.07463722676038742},{"text":"Yeah.","start":976.745,"end":977.245,"sentiment":"neutral","sentiment_score":0.10040977597236632}],"sentiment":"neutral","sentiment_score":0.06794213751951854,"num_words":6,"start":837.495,"end":977.245},{"sentences":[{"text":"Yeah.","start":988.58,"end":989.08,"sentiment":"neutral","sentiment_score":-0.007914128713309765},{"text":"I understand the concept.","start":989.22003,"end":990.92,"sentiment":"neutral","sentiment_score":-0.018079462461173534},{"text":"I've never done anything with them, though.","start":990.98,"end":993.4,"sentiment":"neutral","sentiment_score":-0.04702772146889141},{"text":"I kinda like someone just doing it for me.","start":1076.655,"end":1079.0549,"sentiment":"neutral","sentiment_score":0.08959750624166594},{"text":"It sounds like it would involve me doing more.","start":1079.0549,"end":1082.195,"sentiment":"neutral","sentiment_score":0.05631238594651222}],"sentiment":"neutral","sentiment_score":0.030125433361778656,"num_words":30,"start":988.58,"end":1082.195},{"sentences":[{"text":"Yeah.","start":1143.55,"end":1143.79,"sentiment":"neutral","sentiment_score":0.07178589701652527},{"text":"Sure.","start":1143.79,"end":1144.11,"sentiment":"neutral","sentiment_score":0.1120264083147049},{"text":"Happy to have a look at both options.","start":1144.11,"end":1145.89,"sentiment":"positive","sentiment_score":0.45178642123937607},{"text":"Yeah.","start":1166.02,"end":1166.26,"sentiment":"neutral","sentiment_score":-0.12674936652183533},{"text":"They're being painful.","start":1166.26,"end":1167.54,"sentiment":"negative","sentiment_score":-0.4508930246035258}],"sentiment":"neutral","sentiment_score":0.16561965963670186,"num_words":14,"start":1143.55,"end":1167.54},{"sentences":[{"text":"I'm not really sure.","start":1167.54,"end":1168.42,"sentiment":"negative","sentiment_score":-0.4356563687324524},{"text":"And because it does actually date for two years' worth, so I'm assuming it'll have to go through, like, the AGO, like, late payment portal thing.","start":1168.42,"end":1179.48,"sentiment":"neutral","sentiment_score":-0.2093995838211133},{"text":"Yes.","start":1183.895,"end":1184.395,"sentiment":"neutral","sentiment_score":0.009893307462334631},{"text":"Mhmm.","start":1193.18,"end":1193.68,"sentiment":"neutral","sentiment_score":-0.0022582150995731354},{"text":"Yeah.","start":1208.875,"end":1209.1951,"sentiment":"neutral","sentiment_score":0.020330045372247696}],"sentiment":"neutral","sentiment_score":-0.21694089444071957,"num_words":33,"start":1167.54,"end":1209.1951},{"sentences":[{"text":"That's fine.","start":1209.1951,"end":1209.995,"sentiment":"neutral","sentiment_score":0.11155560612678528},{"text":"Yep.","start":1209.995,"end":1210.495,"sentiment":"neutral","sentiment_score":0.11148351430892944},{"text":"Yep.","start":1221.69,"end":1222.19,"sentiment":"neutral","sentiment_score":0.10990665853023528},{"text":"Yep.","start":1234.01,"end":1234.4099,"sentiment":"neutral","sentiment_score":0.07975242286920547},{"text":"Mhmm.","start":1234.4099,"end":1234.9099,"sentiment":"neutral","sentiment_score":0.03904200345277786}],"sentiment":"neutral","sentiment_score":0.09388263523578644,"num_words":6,"start":1209.1951,"end":1234.9099},{"sentences":[{"text":"No.","start":1278.03,"end":1278.27,"sentiment":"neutral","sentiment_score":-0.07491344213485718},{"text":"That's fine.","start":1278.27,"end":1279.09,"sentiment":"neutral","sentiment_score":-0.01850417535752058},{"text":"I'm fairly flexible.","start":1303.49,"end":1306.15,"sentiment":"neutral","sentiment_score":0.20879165331522623},{"text":"Just not Mondays.","start":1312.29,"end":1313.35,"sentiment":"neutral","sentiment_score":0.01647620586057504},{"text":"Any of the other days are okay.","start":1313.825,"end":1315.525,"sentiment":"neutral","sentiment_score":0.11473862720387322}],"sentiment":"neutral","sentiment_score":0.08544076094403863,"num_words":16,"start":1278.03,"end":1315.525},{"sentences":[{"text":"And ideally in school hours if possible.","start":1315.585,"end":1318.085,"sentiment":"neutral","sentiment_score":0.09830285076584135},{"text":"So, like, nine till three.","start":1319.105,"end":1320.725,"sentiment":"neutral","sentiment_score":0.1402768149971962},{"text":"Perfect.","start":1325.745,"end":1326.245,"sentiment":"neutral","sentiment_score":0.24698080122470856},{"text":"Yeah.","start":1348.4751,"end":1348.7151,"sentiment":"neutral","sentiment_score":0.026004664599895477},{"text":"That'll be fine.","start":1348.7151,"end":1349.515,"sentiment":"neutral","sentiment_score":0.08653544634580612}],"sentiment":"neutral","sentiment_score":0.11306446089464076,"num_words":17,"start":1315.585,"end":1349.515},{"sentences":[{"text":"Yep.","start":1349.515,"end":1350.015,"sentiment":"neutral","sentiment_score":0.11309807002544404},{"text":"Yep.","start":1350.555,"end":1351.055,"sentiment":"neutral","sentiment_score":0.2073449939489365},{"text":"Sounds good.","start":1351.115,"end":1351.935,"sentiment":"neutral","sentiment_score":0.3152256906032562},{"text":"Yeah.","start":1355.1951,"end":1355.515,"sentiment":"neutral","sentiment_score":0.06969624012708664},{"text":"Sure.","start":1355.515,"end":1356.015,"sentiment":"neutral","sentiment_score":0.05785934627056122}],"sentiment":"neutral","sentiment_score":0.1797416719297568,"num_words":6,"start":1349.515,"end":1356.015},{"sentences":[{"text":"Yep.","start":1356.91,"end":1357.23,"sentiment":"neutral","sentiment_score":0.17523011565208435},{"text":"Thank you.","start":1357.23,"end":1358.05,"sentiment":"positive","sentiment_score":0.4796513617038727},{"text":"No worries.","start":1383.135,"end":1383.75,"sentiment":"neutral","sentiment_score":0.3153967410326004},{"text":"Thank you.","start":1383.83,"end":1384.65,"sentiment":"positive","sentiment_score":0.7287265956401825},{"text":"Perfect.","start":1391.99,"end":1392.49,"sentiment":"positive","sentiment_score":0.7845032215118408}],"sentiment":"positive","sentiment_score":0.5009103417396545,"num_words":8,"start":1356.91,"end":1392.49},{"sentences":[{"text":"Thank you.","start":1392.63,"end":1393.43,"sentiment":"positive","sentiment_score":0.7628441751003265},{"text":"See you.","start":1393.43,"end":1393.67,"sentiment":"positive","sentiment_score":0.6894849836826324},{"text":"Bye.","start":1393.67,"end":1394.17,"sentiment":"neutral","sentiment_score":0.30041947960853577}],"sentiment":"positive","sentiment_score":0.6410155594348907,"num_words":5,"start":1392.63,"end":1394.17}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica of Q Financial?\n\nChannel 1: Thanks. Please stay on the line.\n\nChannel 0: Good afternoon. This is Zoe.\n\nChannel 1: Hello. This is Zoe.\n\nChannel 0: Good afternoon, Zoe. This is Veronica from OQ Financial. How are you?\n\nChannel 1: Good.\n\nChannel 0: That's good.\n\nChannel 1: Thank\n\nChannel 0: I had you booked in to go over your annual\n\nChannel 1: you.\n\nChannel 0: review. Is now still a good time for you?\n\nChannel 1: Yeah. That'd be fine.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. It's Zoe Foxwell. 497 Wingerle Avenue, Place, and 06/30/1990.\n\nChannel 0: Perfect. That's exactly what I have here. And how's your day been so far? I've been busy?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: How's your day been so far? Been been\n\nChannel 1: Yeah.\n\nChannel 0: busy?\n\nChannel 1: All good.\n\nChannel 0: All of\n\nChannel 1: Yeah.\n\nChannel 0: us. Correct. Well, I will try not to keep you for too long. Now before I kind of jump in to the Azure review, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just the usual kind of bit of a catch up to see where\n\nChannel 1: Yeah.\n\nChannel 0: everything's at?\n\nChannel 1: Nothing to\n\nChannel 0: Nothing too much.\n\nChannel 1: yeah. No. It's just\n\nChannel 0: No.\n\nChannel 1: chugging along. Obviously, the stock market has been a bit all over the place. But\n\nChannel 0: Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today. But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice. So just kinda bear with me as I go through these questions here, Zoe. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that still the case?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Perfect. Now next up, Ken, I have Tony nominated.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Yep. Perfect. And phone number ending in 087. That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now when it comes to your employment, are you still working as an accountant?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now I do have here are you employed as well as doing the Farm ABN business, or are you is that kind of the same thing?\n\nChannel 1: We have the the farm ABN business. Oh, and I worked as a consultant, but under the same ABN.\n\nChannel 0: Okay. Perfect. And then do you work full time as an accountant for Soka Consulting? Is that correct?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yep. Perfect. And are you employed there as self employed as well, or is that your business?\n\nChannel 1: Is it that bad business? Yeah. Mine and my husband's.\n\nChannel 0: Great. Perfect. Now income wise, I have here about $1.50.\n\nChannel 1: Yep. That's still correct.\n\nChannel 0: That's yeah. Perfect. And when it comes through contributions interest fee for annuation, are you obviously, if it's your how's the business set up? Is that company structure or live partnership?\n\nChannel 1: The the house. Is that what\n\nChannel 0: The\n\nChannel 1: you\n\nChannel 0: business.\n\nChannel 1: said?\n\nChannel 0: Sorry.\n\nChannel 1: Sorry.\n\nChannel 0: How you're employed. The business. Sorry.\n\nChannel 1: No. I'm not employed by the businesses that showed because I'm\n\nChannel 0: Okay.\n\nChannel 1: an owner, but it's a trust.\n\nChannel 0: Okay. Yep. And are you you're you're kinda paying yourself an income of that $1.50 roughly?\n\nChannel 1: No. No. The $1.50 is external as a consultant.\n\nChannel 0: Yeah. Okay. Perfect. I'll just\n\nChannel 1: Yeah.\n\nChannel 0: note that.\n\nChannel 1: Sorry. So the subcontracting is to Cal Electric and their company.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Sorry. Got\n\nChannel 0: And\n\nChannel 1: a bit lost in that one.\n\nChannel 0: no, that's okay. It seems like you have a pretty good setup, though, which is which is good. Now with a contribution into superannuation, when you do the consultancy and stuff like that, do you pay yourself contributions into superannuation,\n\nChannel 1: I have\n\nChannel 0: or\n\nChannel 1: been.\n\nChannel 0: how\n\nChannel 1: Yes.\n\nChannel 0: does\n\nChannel 1: But\n\nChannel 0: that\n\nChannel 1: I am meant to be getting, like, the rules have changed and subcontractors now can be classified as employees, and I'll be getting paid by Cal Electric\n\nChannel 0: great.\n\nChannel 1: from\n\nChannel 0: Perfect.\n\nChannel 1: now on.\n\nChannel 0: Yeah. Perfect. Because I was having a bit of a look at your account, and I can see that of the you spoke to my colleague, Kyle a little while ago and, you know, did advice and all of that. And I was having a quick look at your hub 24, and I couldn't see any contributions recently. So does that make sense?\n\nBut moving forward, that will be paid. And will that be 12%? They pay you just like\n\nChannel 1: Yes.\n\nChannel 0: that standard 12%? Perfect. And that will be 12% of the one fifty. Correct?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Great. Perfect. Aside from that, are you planning on making any extra contributions or anything or just kind of that from that you will get from the\n\nChannel 1: Probably\n\nChannel 0: employer?\n\nChannel 1: not at this stage.\n\nChannel 0: No. Great. Assets and liabilities wise, I have here your property loss was divided at about 600,000.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And about 100,000 owing on the mortgage?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Perfect. I also have a motor vehicle at about 70,000 and a caravan for about 60.\n\nChannel 1: Yep. Still correct.\n\nChannel 0: Perfect. And a share portfolio of around 80?\n\nChannel 1: We've got about a 180 in there now.\n\nChannel 0: Oh, perfect. I will update that. Now any other changes to your assets or liabilities at all?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: Any other changes to, like, any new assets or any other loans or personal loans or anything we haven't gone through?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well?\n\nChannel 1: Yes. That's true. Correct.\n\nChannel 0: Perfect. Estate planning wise, I have here Tony nominated for your beneficiaries if something were to happen to you and that you do have a will in place. That's all still correct?\n\nChannel 1: Yes. Yep. That's correct.\n\nChannel 0: Yep. Great. Perfect. Thank you so much for going through that. Now I guess when it kind of comes to goals and stuff that you are working towards in the next couple of years, do you have any specific financial goals that you are working towards at all?\n\nChannel 1: We're kind of doing a share investment, obviously,\n\nChannel 0: Yep.\n\nChannel 1: as well as we're just sort of hedging a little bit with share with super, obviously.\n\nChannel 0: Yep.\n\nChannel 1: Don't know what the government's gonna do and stuff. So doing a bit of that, bit\n\nChannel 0: Yep.\n\nChannel 1: of super,\n\nChannel 0: Yeah.\n\nChannel 1: bit of shares, and seeing what\n\nChannel 0: Pardon?\n\nChannel 1: comes\n\nChannel 0: Yes.\n\nChannel 1: out.\n\nChannel 0: Versifying wealth and building that a little bit in different avenues. That's a good idea.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now with your superannuation investment, we do currently have you in a high growth portfolio. Now I know you went through the kind of that risk profile question there with Carl, so I won't go through all of that with you again. And, obviously, because you're doing some investment as well, you would be a bit more familiar with it. So are you still comfortable with a high growth portfolio?\n\nWould you like to make any changes to your risk allocation in your superannuation?\n\nChannel 1: No. I'm happy with it still\n\nChannel 0: No.\n\nChannel 1: being on the risky side at the moment.\n\nChannel 0: Yep. And you do have plenty of time until retirement. So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have\n\nChannel 1: Yes.\n\nChannel 0: enough time in the market, which you certainly do. So time frame, perfect. Obviously, as long as you're comfortable, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, Zoe, I have just sent you an email with some documents. Do you have access to your emails at the moment or or not really right now?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yeah? Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So if you could access that for me, that would be great. Now we have just changed the software, so it might look a little bit different to what you are having used to before. Just\n\nChannel 1: No worries.\n\nChannel 0: let me know if that one came through okay on your end.\n\nChannel 1: Yep. I'm seeing it now. Just one time I jump.\n\nChannel 0: Great. Yes. Perfect. Now before you click on the link, so if you open the email, it will say a link where it says sign out. Just hold off clicking on that one for me.\n\nAnd if you scroll down in the email, you should see a couple of attachments. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now to make it easier on your side, we can go through them quickly in the way that you see them. So what's the first document for you?\n\nChannel 1: Alright. V services card version\n\nChannel 0: Okay. Perfect. So that one and then the next one should be Okvue financial services guide version four.\n\nChannel 1: one.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: will get you to have a read over in your own time. There are just some updated financial services guide. You would have seen this one before. One of those compliance documents, just a bit of an update. All the important information is still in there.\n\nSo everything you need to know about the team, our directors, all our advices is in there. If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that. Otherwise, no direct changes. Otherwise, we had a bit of a revamp to marketing, which you will see, which is nice. But, yeah, otherwise, no major changes.\n\nWhat's the next one you can see?\n\nChannel 1: The date and then Cal c o z.\n\nChannel 0: Yes. Sorry. This is your Cal certificate of currency, and that just breaks down your insurances. But if there is one above that where it says super insurance summary, is that can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit more\n\nChannel 1: Perfect.\n\nChannel 0: information, but, basically, just let you know that's all paid and up to date so far. And let me know if you can see that summary. If you could open that one for me, that would be good.\n\nChannel 1: Yep. I can. Yep. I can see that.\n\nChannel 0: Great. So as you can see, you do have your superannuation with Hub twenty four, and you do have approximately 148,573 in there. Now you do also have some insurances with let me see here. Let me just triple check those documents. So the title fee actually should have said one part, so apologies for the typo.\n\nOne path is definitely your insurer. Now you have life and total permanent disability with one path of a million dollars. Are you still happy with those level of covers? Has anything changed when it comes to your insurances?\n\nChannel 1: No. That's\n\nChannel 0: Nope. Perfect. Now I can see that you don't\n\nChannel 1: fine.\n\nChannel 0: have, obviously, income protection and trauma insurance. You would have kind of gone through that discussion when you spoke to Carl. Are you still comfortable not having, obviously, trauma and income protection?\n\nChannel 1: Yeah. For the moment.\n\nChannel 0: Yep. Perfect. Now with the insurance, it is quite cheap for you, which is great. Obviously, young and not a very risky occupation in the insurance line. So after the tax rebate, it's about $452 for those two.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now the next document should then be a performance report, a twelve month hub 24. Can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well. Now the internal rate of return, everything is net of fees as well. So if you want to scroll to the second page for me first where it says total portfolio.\n\nCan you see that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees,\n\nChannel 1: Mhmm.\n\nChannel 0: which is good. Now on the first page there, you will then see all the individual investments. So the ones in the brackets are the ones that's down, and all the others are at positive. So you can kind of see all the individual investments. Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So we've done a lot of, you know, research on all the investments all the time. And after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations. Now when it was recommended to you when you came on board, it was doing really well.\n\nIt was one of the top performing fund managers and have done really well. That's not to say it's always going to be the case, so that's why the reviews are so good and also, obviously, in between to research all the investments if we need to potentially make some changes. So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio. Some of their choices as well haven't really played off. One of the other companies that they had in their portfolio was the corporate travel group.\n\nI'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes. So if you are happy for me to do so, I would like to do a bit more research on that and make a recommendation on potentially swapping that one for a a better option if you're happy for me to do that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now as I'm kind of researching your superannuation investments and stuff like that, do you have any have you read our newsletters at all recently? Is that something you kind of keep an eye on or not really?\n\nChannel 1: Not really.\n\nChannel 0: No. That's okay. Most people say the same, to be fair. But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And created an SMA with them. Are you quite familiar with what an SMA, the self managed account, what that is?\n\nChannel 1: Yeah. I understand the concept. I've never done anything with them, though.\n\nChannel 0: Yeah. So, basically, with the SMA, it's obviously not a self managed super fund. It's a self managed account. Works a little bit different. Obviously, it's still investments in your superannuation.\n\nIt works a little bit different in that we can a little quicker make changes to the investment if need be. If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together. Obviously, booking an appointment to go through the statement of advice presented to you. You obviously agreeing and signing through it before we can make a change. The the kind of flip side is, though, that we can make the changes quickly in the back end.\n\nIf you log in through Hub twenty four, you will still see all the individual investments, but you would just be invested in a portfolio instead of kind of the way that you have it at the moment. Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept?\n\nChannel 1: I kinda like someone just doing it for me. It sounds like it would involve me\n\nChannel 0: Yeah.\n\nChannel 1: doing more.\n\nChannel 0: The SMA yes. And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes. You don't need to have as many, you know, appointments with going through the research and the investment changes. If something were to happen, we can quickly make it in the back end. Obviously, still let you know of the changes.\n\nAnd like I said, when you log in to Hub twenty four, you would still see the individual investment. It just means that we can do it quicker without having to go through that kind of heavy compliance aspect. But a lot of clients are, you know, quite happy with that because that means we can do that quick quicker in the back end for you. Obviously, all the legislation and best interest, that's all still in place. Some people on the other hand are like, no.\n\nI want to read through everything before you actually make a change, and that's also okay. So if you are comfortable with looking at both option, I will include it in the research to see, well, which one is going to have, you know, the best option and put you in the best position, you know, in fees\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Sure.\n\nChannel 0: returns\n\nChannel 1: Happy to have a\n\nChannel 0: and\n\nChannel 1: look\n\nChannel 0: and\n\nChannel 1: at both\n\nChannel 0: all of\n\nChannel 1: options.\n\nChannel 0: that. Yep. Okay. Great. Perfect.\n\nLast thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation. So do you know when you will start getting those contributions into the preannuation? Like, will that be quite soon?\n\nChannel 1: Yeah. They're being painful. I'm not really sure. And because it does actually date for two years' worth, so I'm assuming it'll have to go through, like, the AGO, like, late payment portal thing.\n\nChannel 0: Yeah. But, technically, you meant to be getting it from now.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. So what I might do then is because, obviously, the contributions, obviously, compounds and everything and impacts projections\n\nChannel 1: Mhmm.\n\nChannel 0: for you. So if you are happy for me to do so, even though you will be back paid them, I can include it assuming the 12% of a 150 because that's what you should be getting paid. It's just a little bit backdated of when you'll actually get that. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Yes. Great. Perfect. And I do have here that, ideally, you would like to retire at the age of 60 and draw a weekly income of that 2,000 per week. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: about right? Perfect. Now the last thing there, Zoe, is if you're happy to do so, if you click on the link where it says sign now, it will ask you to sign through documents. Now\n\nChannel 1: Yep.\n\nChannel 0: one\n\nChannel 1: Mhmm.\n\nChannel 0: of them is your ongoing service agreement. No changes whatsoever in regards to the ongoing advice fee. Stays exactly the same at that 1.65 from superannuation, and that basically just lets us service your account and everything for you. But there's no lock in contract. So if at any point in time you not happy, there is no lock in contract.\n\nBut as simply this just lets us, you know, stay on board and service you in the meantime. And then the second one will be it's just like a compliance form. Just basically to say that we are keeping your tax phone number secure and safe on-site. Do you have any questions in regards to any of that?\n\nChannel 1: No. That's fine.\n\nChannel 0: No? Okay. Perfect. Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment. Now when is typically a best time for you?\n\nSo it probably takes me about a week and a half to get all the research and everything together.\n\nChannel 1: I'm fairly flexible.\n\nChannel 0: Fairly free? Okay. Do you have a preference on, like, Monday through Thursdays? Any particular day or quite\n\nChannel 1: Just\n\nChannel 0: flexible.\n\nChannel 1: not Mondays.\n\nChannel 0: Okay.\n\nChannel 1: Any of\n\nChannel 0: Perfect.\n\nChannel 1: the other days are okay. And ideally in school hours if possible.\n\nChannel 0: Yeah. Well,\n\nChannel 1: So,\n\nChannel 0: that works\n\nChannel 1: like, nine\n\nChannel 0: easier\n\nChannel 1: till three.\n\nChannel 0: easier for me because a lot of my afternoons fill out very quickly and\n\nChannel 1: Perfect.\n\nChannel 0: early morning because people usually the opposite. So that's great. Sorry. Let me have a look here. Sorry.\n\nI could do let me see here. She said the twenty eighth, and we can do same time. Oh, actually, if we do 01:00 your time, will that\n\nChannel 1: Yeah.\n\nChannel 0: work?\n\nChannel 1: That'll be fine.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Great.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Sounds\n\nChannel 0: Would\n\nChannel 1: good.\n\nChannel 0: you like a reminder text sent, like, an hour or two before the appointment in case\n\nChannel 1: Yeah.\n\nChannel 0: something\n\nChannel 1: Sure.\n\nChannel 0: comes up? Yeah? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Thank you.\n\nChannel 0: Well, that is all booked in on Tuesday, the twenty eighth at one I said 01:30. No. 01:00 your time, 01:30 my time. Yep. 1PM your time.\n\nWe'll go through all the research. And, yeah, in the meantime, if you have any questions, let me know. If not, I'll keep a lookout for that document to kind of come back, and I'll get the team to authorize that with hub twenty four for you.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Perfect. No problem at all. Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your time.\n\nChannel 1: Perfect. Thank you.\n\nChannel 0: Thank\n\nChannel 1: See you.\n\nChannel 0: you.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.03685416281223297},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.39999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.025470954598858953}],"sentiment":"neutral","sentiment_score":0.0261405550819986,"channel":1,"num_words":17,"start":0.08,"end":4.66},{"sentences":[{"text":"Veronica of Q Financial?","start":6.48,"end":8.18,"sentiment":"neutral","sentiment_score":0.030147002544254065}],"sentiment":"neutral","sentiment_score":0.030147002544254065,"channel":0,"num_words":4,"start":6.48,"end":8.18},{"sentences":[{"text":"Thanks.","start":14.32,"end":14.82,"sentiment":"positive","sentiment_score":0.3880208134651184},{"text":"Please stay on the line.","start":15.285,"end":16.425,"sentiment":"neutral","sentiment_score":0.21732999086380006}],"sentiment":"neutral","sentiment_score":0.24577846129735312,"channel":1,"num_words":6,"start":14.32,"end":16.425},{"sentences":[{"text":"Good afternoon.","start":37.964996,"end":38.765,"sentiment":"neutral","sentiment_score":0.3040902614593506},{"text":"This is Zoe.","start":38.765,"end":39.585,"sentiment":"neutral","sentiment_score":0.15356519321600595}],"sentiment":"neutral","sentiment_score":0.2137752205133438,"channel":0,"num_words":5,"start":37.964996,"end":39.585},{"sentences":[{"text":"Hello.","start":42.38,"end":42.86,"sentiment":"neutral","sentiment_score":0.11871337890625},{"text":"This is Zoe.","start":42.86,"end":43.760002,"sentiment":"neutral","sentiment_score":0.11856937160094579}],"sentiment":"neutral","sentiment_score":0.11860537342727184,"channel":1,"num_words":4,"start":42.38,"end":43.760002},{"sentences":[{"text":"Good afternoon, Zoe.","start":44.364998,"end":45.484997,"sentiment":"neutral","sentiment_score":0.29476258158683777},{"text":"This is Veronica from OQ Financial.","start":45.484997,"end":47.504997,"sentiment":"neutral","sentiment_score":0.2129481260975202},{"text":"How are you?","start":47.565,"end":48.385,"sentiment":"neutral","sentiment_score":0.18241746226946512}],"sentiment":"neutral","sentiment_score":0.22576907401283583,"channel":0,"num_words":12,"start":44.364998,"end":48.385},{"sentences":[{"text":"Good.","start":48.675,"end":49.175,"sentiment":"positive","sentiment_score":0.5052038431167603}],"sentiment":"positive","sentiment_score":0.5052038431167603,"channel":1,"num_words":1,"start":48.675,"end":49.175},{"sentences":[{"text":"That's good.","start":50.399998,"end":51.14,"sentiment":"positive","sentiment_score":0.6242323219776154}],"sentiment":"positive","sentiment_score":0.6242323219776154,"channel":0,"num_words":2,"start":50.399998,"end":51.14},{"sentences":[{"text":"Thank","start":51.155,"end":51.655,"sentiment":"positive","sentiment_score":0.7132109999656677}],"sentiment":"positive","sentiment_score":0.7132109999656677,"channel":1,"num_words":1,"start":51.155,"end":51.655},{"sentences":[{"text":"I had you booked in to go over your annual","start":51.6,"end":53.92,"sentiment":"positive","sentiment_score":0.561919441819191}],"sentiment":"positive","sentiment_score":0.561919441819191,"channel":0,"num_words":10,"start":51.6,"end":53.92},{"sentences":[{"text":"you.","start":53.635,"end":54.135,"sentiment":"positive","sentiment_score":0.4565159678459167}],"sentiment":"positive","sentiment_score":0.4565159678459167,"channel":1,"num_words":1,"start":53.635,"end":54.135},{"sentences":[{"text":"review.","start":53.92,"end":54.239998,"sentiment":"neutral","sentiment_score":0.3253803253173828},{"text":"Is now still a good time for you?","start":54.239998,"end":55.86,"sentiment":"positive","sentiment_score":0.3790016807615757}],"sentiment":"positive","sentiment_score":0.3730437523788876,"channel":0,"num_words":9,"start":53.92,"end":55.86},{"sentences":[{"text":"Yeah.","start":56.114998,"end":56.355,"sentiment":"neutral","sentiment_score":0.1879446357488632},{"text":"That'd be fine.","start":56.355,"end":57.415,"sentiment":"neutral","sentiment_score":0.24355392654736838}],"sentiment":"neutral","sentiment_score":0.22965160384774208,"channel":1,"num_words":4,"start":56.114998,"end":57.415},{"sentences":[{"text":"Yep.","start":57.68,"end":58.16,"sentiment":"neutral","sentiment_score":0.2680239677429199},{"text":"Perfect.","start":58.16,"end":58.66,"sentiment":"positive","sentiment_score":0.4388136863708496},{"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":59.12,"end":66.245,"sentiment":"neutral","sentiment_score":0.04349863593434465}],"sentiment":"neutral","sentiment_score":0.06349348697450853,"channel":0,"num_words":31,"start":57.68,"end":66.245},{"sentences":[{"text":"Yeah.","start":67.32,"end":67.56,"sentiment":"neutral","sentiment_score":0.06577230989933014},{"text":"No worries.","start":67.56,"end":68.22,"sentiment":"neutral","sentiment_score":0.11261992156505585}],"sentiment":"neutral","sentiment_score":0.09700405100981395,"channel":1,"num_words":3,"start":67.32,"end":68.22},{"sentences":[{"text":"Perfect.","start":68.785,"end":69.285,"sentiment":"neutral","sentiment_score":0.23711730539798737},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":69.345,"end":75.765,"sentiment":"neutral","sentiment_score":0.07810365508955258}],"sentiment":"neutral","sentiment_score":0.08399304954542054,"channel":0,"num_words":27,"start":68.785,"end":75.765},{"sentences":[{"text":"Yep.","start":76.525,"end":76.925,"sentiment":"neutral","sentiment_score":0.02644491195678711},{"text":"It's Zoe Foxwell.","start":76.925,"end":78.225,"sentiment":"neutral","sentiment_score":0.026350208247701328},{"text":"497 Wingerle Avenue, Place, and 06/30/1990.","start":78.525,"end":85.345,"sentiment":"neutral","sentiment_score":0.03745168074965477}],"sentiment":"neutral","sentiment_score":0.03302056211978197,"channel":1,"num_words":10,"start":76.525,"end":85.345},{"sentences":[{"text":"Perfect.","start":86.079994,"end":86.479996,"sentiment":"positive","sentiment_score":0.5232100486755371},{"text":"That's exactly what I have here.","start":86.479996,"end":88.0,"sentiment":"positive","sentiment_score":0.561669260263443},{"text":"And how's your day been so far?","start":88.0,"end":89.439995,"sentiment":"neutral","sentiment_score":0.11011891599212374},{"text":"I've been busy?","start":89.439995,"end":90.34,"sentiment":"neutral","sentiment_score":-0.07918392742673556}],"sentiment":"neutral","sentiment_score":0.2603827199953444,"channel":0,"num_words":17,"start":86.079994,"end":90.34},{"sentences":[{"text":"Sorry.","start":91.54,"end":91.86,"sentiment":"neutral","sentiment_score":-0.06243172660470009},{"text":"What was that?","start":91.86,"end":92.68,"sentiment":"neutral","sentiment_score":-0.026337067286173504}],"sentiment":"neutral","sentiment_score":-0.03536073211580515,"channel":1,"num_words":4,"start":91.54,"end":92.68},{"sentences":[{"text":"How's your day been so far?","start":92.925,"end":94.765,"sentiment":"neutral","sentiment_score":0.017286387737840414},{"text":"Been 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the kind of that risk profile question there with Carl, so I won't go through all of that with you again.","start":507.97998,"end":513.26,"sentiment":"neutral","sentiment_score":0.04480628710654047},{"text":"And, obviously, because you're doing some investment as well, you would be a bit more familiar with it.","start":513.26,"end":519.02,"sentiment":"neutral","sentiment_score":0.048636429425742894},{"text":"So are you still comfortable with a high growth portfolio?","start":519.02,"end":522.33496,"sentiment":"neutral","sentiment_score":0.03420422039926052}],"sentiment":"neutral","sentiment_score":0.05858866429664719,"channel":0,"num_words":71,"start":499.20502,"end":522.33496},{"sentences":[{"text":"Would you like to make any changes to your risk allocation in your 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moment.","start":530.18,"end":532.19995,"sentiment":"neutral","sentiment_score":-0.1825707145035267}],"sentiment":"neutral","sentiment_score":-0.1825707145035267,"channel":1,"num_words":8,"start":530.18,"end":532.19995},{"sentences":[{"text":"Yep.","start":532.57,"end":532.97,"sentiment":"neutral","sentiment_score":0.019089914858341217},{"text":"And you do have plenty of time until retirement.","start":532.97,"end":535.31,"sentiment":"neutral","sentiment_score":0.039250143286254674},{"text":"So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have","start":535.52997,"end":543.61,"sentiment":"neutral","sentiment_score":0.04471589149586085}],"sentiment":"neutral","sentiment_score":0.04279748866191277,"channel":0,"num_words":39,"start":532.57,"end":543.61},{"sentences":[{"text":"Yes.","start":543.555,"end":544.055,"sentiment":"neutral","sentiment_score":0.049926042556762695}],"sentiment":"neutral","sentiment_score":0.049926042556762695,"channel":1,"num_words":1,"start":543.555,"end":544.055},{"sentences":[{"text":"enough time in the market, which you certainly do.","start":543.61,"end":545.835,"sentiment":"neutral","sentiment_score":0.09104061126708984},{"text":"So time frame, perfect.","start":545.835,"end":547.355,"sentiment":"neutral","sentiment_score":0.1900058351457119},{"text":"Obviously, as long as you're comfortable, which is great.","start":547.355,"end":549.855,"sentiment":"neutral","sentiment_score":0.19657343957159254}],"sentiment":"neutral","sentiment_score":0.15220680900595404,"channel":0,"num_words":22,"start":543.61,"end":549.855},{"sentences":[{"text":"Mhmm.","start":550.59503,"end":551.09503,"sentiment":"neutral","sentiment_score":0.02790089324116707}],"sentiment":"neutral","sentiment_score":0.02790089324116707,"channel":1,"num_words":1,"start":550.59503,"end":551.09503},{"sentences":[{"text":"Now, Zoe, I have just sent you an email with some documents.","start":550.875,"end":554.095,"sentiment":"neutral","sentiment_score":0.030985415913164616},{"text":"Do you have access to your emails at the moment or or not really right now?","start":554.155,"end":557.935,"sentiment":"neutral","sentiment_score":0.010856389068067074}],"sentiment":"neutral","sentiment_score":0.019483114858823165,"channel":0,"num_words":28,"start":550.875,"end":557.935},{"sentences":[{"text":"Yeah.","start":558.56,"end":558.88,"sentiment":"neutral","sentiment_score":0.035290785133838654},{"text":"I do.","start":558.88,"end":559.54,"sentiment":"neutral","sentiment_score":0.03866496868431568}],"sentiment":"neutral","sentiment_score":0.03754024083415667,"channel":1,"num_words":3,"start":558.56,"end":559.54},{"sentences":[{"text":"Yeah?","start":559.61005,"end":560.01,"sentiment":"neutral","sentiment_score":0.040839530527591705},{"text":"Okay.","start":560.01,"end":560.49005,"sentiment":"neutral","sentiment_score":0.11067541688680647},{"text":"Perfect.","start":560.49005,"end":560.99005,"sentiment":"neutral","sentiment_score":0.20827677845954895}],"sentiment":"neutral","sentiment_score":0.11993057529131572,"channel":0,"num_words":3,"start":559.61005,"end":560.99005},{"sentences":[{"text":"Yep.","start":560.56,"end":561.06,"sentiment":"neutral","sentiment_score":0.14475052058696747}],"sentiment":"neutral","sentiment_score":0.14475052058696747,"channel":1,"num_words":1,"start":560.56,"end":561.06},{"sentences":[{"text":"So if you could access that for me, that would be great.","start":561.13,"end":563.95,"sentiment":"neutral","sentiment_score":0.20011011386911073},{"text":"Now we have just changed the software, so it might look a little bit different to what you are having used to before.","start":564.33,"end":570.59,"sentiment":"neutral","sentiment_score":0.02662452107862286},{"text":"Just","start":572.66504,"end":572.905,"sentiment":"neutral","sentiment_score":0.0703292191028595}],"sentiment":"neutral","sentiment_score":0.08566707139834762,"channel":0,"num_words":36,"start":561.13,"end":572.905},{"sentences":[{"text":"No worries.","start":572.72504,"end":573.305,"sentiment":"neutral","sentiment_score":0.09258225560188293}],"sentiment":"neutral","sentiment_score":0.09258225560188293,"channel":1,"num_words":2,"start":572.72504,"end":573.305},{"sentences":[{"text":"let me know if that one came through okay on your end.","start":572.905,"end":575.965,"sentiment":"neutral","sentiment_score":0.10268722847104073}],"sentiment":"neutral","sentiment_score":0.10268722847104073,"channel":0,"num_words":12,"start":572.905,"end":575.965},{"sentences":[{"text":"Yep.","start":589.41,"end":589.81,"sentiment":"neutral","sentiment_score":0.053825829178094864},{"text":"I'm seeing it now.","start":589.81,"end":590.76996,"sentiment":"neutral","sentiment_score":0.12310531362891197},{"text":"Just one time I jump.","start":590.76996,"end":592.07,"sentiment":"neutral","sentiment_score":0.08996440395712853}],"sentiment":"neutral","sentiment_score":0.09960691034793853,"channel":1,"num_words":10,"start":589.41,"end":592.07},{"sentences":[{"text":"Great.","start":592.28,"end":592.76,"sentiment":"positive","sentiment_score":0.706443190574646},{"text":"Yes.","start":592.76,"end":593.24005,"sentiment":"positive","sentiment_score":0.5669794678688049},{"text":"Perfect.","start":593.24005,"end":593.74005,"sentiment":"positive","sentiment_score":0.6280670166015625},{"text":"Now before you click on the link, so if you open the email, it will say a link where it says sign out.","start":593.88,"end":600.765,"sentiment":"neutral","sentiment_score":0.1379773555242497},{"text":"Just hold off clicking on that one for me.","start":600.765,"end":602.945,"sentiment":"neutral","sentiment_score":0.10879858376251327}],"sentiment":"neutral","sentiment_score":0.1729758887418679,"channel":0,"num_words":35,"start":592.28,"end":602.945},{"sentences":[{"text":"And if you scroll down in the email, you should see a couple of attachments.","start":603.005,"end":606.385,"sentiment":"neutral","sentiment_score":0.09361346513032913},{"text":"Can you see those?","start":607.245,"end":608.305,"sentiment":"neutral","sentiment_score":0.060012975707650185}],"sentiment":"neutral","sentiment_score":0.08653967788344935,"channel":0,"num_words":19,"start":603.005,"end":608.305},{"sentences":[{"text":"Yep.","start":609.385,"end":609.885,"sentiment":"neutral","sentiment_score":0.1312192678451538}],"sentiment":"neutral","sentiment_score":0.1312192678451538,"channel":1,"num_words":1,"start":609.385,"end":609.885},{"sentences":[{"text":"Yep.","start":610.22003,"end":610.62,"sentiment":"neutral","sentiment_score":0.20957116782665253},{"text":"Perfect.","start":610.62,"end":611.12,"sentiment":"positive","sentiment_score":0.5748307108879089},{"text":"Now to make it easier on your side, we can go through them quickly in the way that you see them.","start":611.74,"end":617.74,"sentiment":"positive","sentiment_score":0.45710907521701993},{"text":"So what's the first document for you?","start":617.74,"end":620.08,"sentiment":"neutral","sentiment_score":0.05336858172501836}],"sentiment":"positive","sentiment_score":0.3585757510115703,"channel":0,"num_words":30,"start":610.22003,"end":620.08},{"sentences":[{"text":"Alright.","start":621.44,"end":621.76,"sentiment":"neutral","sentiment_score":0.034593455493450165},{"text":"V services card version","start":621.76,"end":623.45996,"sentiment":"neutral","sentiment_score":0.03358044475317001}],"sentiment":"neutral","sentiment_score":0.03378304690122604,"channel":1,"num_words":5,"start":621.44,"end":623.45996},{"sentences":[{"text":"Okay.","start":624.315,"end":624.715,"sentiment":"neutral","sentiment_score":0.1266944259405136},{"text":"Perfect.","start":624.715,"end":625.215,"sentiment":"positive","sentiment_score":0.35559189319610596},{"text":"So that one and then the next one should be Okvue financial services guide version four.","start":625.275,"end":630.41504,"sentiment":"neutral","sentiment_score":0.11617357190698385}],"sentiment":"neutral","sentiment_score":0.13005908164713118,"channel":0,"num_words":18,"start":624.315,"end":630.41504},{"sentences":[{"text":"one.","start":630.64,"end":630.95996,"sentiment":"neutral","sentiment_score":0.04038088768720627}],"sentiment":"neutral","sentiment_score":0.04038088768720627,"channel":1,"num_words":1,"start":630.64,"end":630.95996},{"sentences":[{"text":"I","start":630.875,"end":631.03503,"sentiment":"neutral","sentiment_score":0.1084120199084282}],"sentiment":"neutral","sentiment_score":0.1084120199084282,"channel":0,"num_words":1,"start":630.875,"end":631.03503},{"sentences":[{"text":"Yep.","start":630.95996,"end":631.425,"sentiment":"neutral","sentiment_score":0.14781057834625244}],"sentiment":"neutral","sentiment_score":0.14781057834625244,"channel":1,"num_words":1,"start":630.95996,"end":631.425},{"sentences":[{"text":"will get you to have a read over in your own time.","start":631.03503,"end":634.075,"sentiment":"neutral","sentiment_score":0.15844585622350374},{"text":"There are just some updated financial services guide.","start":634.075,"end":636.88,"sentiment":"neutral","sentiment_score":0.09000016376376152},{"text":"You would have seen this one before.","start":636.88,"end":638.33997,"sentiment":"neutral","sentiment_score":0.08706606924533844},{"text":"One of those compliance documents, just a bit of an update.","start":638.63995,"end":641.54,"sentiment":"neutral","sentiment_score":0.07416104660792784},{"text":"All the important information is still in there.","start":641.92,"end":644.39996,"sentiment":"neutral","sentiment_score":0.13294047582894564}],"sentiment":"neutral","sentiment_score":0.11108933453974516,"channel":0,"num_words":46,"start":631.03503,"end":644.39996},{"sentences":[{"text":"So everything you need to know about the team, our directors, all our advices is in 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see?","start":666.08,"end":668.18,"sentiment":"neutral","sentiment_score":0.038612737719501765}],"sentiment":"neutral","sentiment_score":0.038612737719501765,"channel":0,"num_words":7,"start":666.08,"end":668.18},{"sentences":[{"text":"The date and then Cal c o z.","start":670.9,"end":673.4,"sentiment":"neutral","sentiment_score":0.020734480815008283}],"sentiment":"neutral","sentiment_score":0.020734480815008283,"channel":1,"num_words":8,"start":670.9,"end":673.4},{"sentences":[{"text":"Yes.","start":673.92,"end":674.42,"sentiment":"neutral","sentiment_score":0.038375794887542725},{"text":"Sorry.","start":674.56,"end":675.06,"sentiment":"neutral","sentiment_score":0.0033782795071601868},{"text":"This is your Cal certificate of currency, and that just breaks down your insurances.","start":675.2,"end":680.935,"sentiment":"neutral","sentiment_score":0.047463037339704375},{"text":"But if there is one above that where it says super insurance summary, is that can you see that one?","start":681.235,"end":686.135,"sentiment":"neutral","sentiment_score":0.02907323492690921}],"sentiment":"neutral","sentiment_score":0.03576948043579856,"channel":0,"num_words":36,"start":673.92,"end":686.135},{"sentences":[{"text":"Yep.","start":687.495,"end":687.995,"sentiment":"neutral","sentiment_score":0.07196421176195145}],"sentiment":"neutral","sentiment_score":0.07196421176195145,"channel":1,"num_words":1,"start":687.495,"end":687.995},{"sentences":[{"text":"Yeah.","start":688.275,"end":688.515,"sentiment":"neutral","sentiment_score":0.08138391375541687},{"text":"If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit 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insurances?","start":746.85,"end":749.26996,"sentiment":"neutral","sentiment_score":-0.03785299095842573}],"sentiment":"neutral","sentiment_score":0.04883354453322215,"channel":0,"num_words":39,"start":733.91504,"end":749.26996},{"sentences":[{"text":"No.","start":750.61,"end":750.93,"sentiment":"neutral","sentiment_score":-0.18892666697502136},{"text":"That's","start":750.93,"end":751.43,"sentiment":"neutral","sentiment_score":-0.1311548352241516}],"sentiment":"neutral","sentiment_score":-0.1600407510995865,"channel":1,"num_words":2,"start":750.61,"end":751.43},{"sentences":[{"text":"Nope.","start":751.88995,"end":752.37,"sentiment":"neutral","sentiment_score":-0.1592869013547897},{"text":"Perfect.","start":752.37,"end":752.87,"sentiment":"neutral","sentiment_score":0.1657131463289261},{"text":"Now I can see that you 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well.","start":799.08,"end":809.26,"sentiment":"neutral","sentiment_score":0.2510514999739826},{"text":"Now the internal rate of return, everything is net of fees as well.","start":810.045,"end":814.205,"sentiment":"neutral","sentiment_score":0.1718219919846608},{"text":"So if you want to scroll to the second page for me first where it says total portfolio.","start":814.205,"end":819.665,"sentiment":"neutral","sentiment_score":0.06467871202362908}],"sentiment":"neutral","sentiment_score":0.18478047939447256,"channel":0,"num_words":65,"start":797.88,"end":819.665},{"sentences":[{"text":"Can you see that?","start":820.125,"end":821.185,"sentiment":"neutral","sentiment_score":0.04884164780378342}],"sentiment":"neutral","sentiment_score":0.04884164780378342,"channel":0,"num_words":4,"start":820.125,"end":821.185},{"sentences":[{"text":"Yep.","start":820.82,"end":821.32,"sentiment":"neutral","sentiment_score":0.08669741451740265},{"text":"Yep.","start":821.46,"end":821.96,"sentiment":"neutral","sentiment_score":0.09506742656230928}],"sentiment":"neutral","sentiment_score":0.09088242053985596,"channel":1,"num_words":2,"start":820.82,"end":821.96},{"sentences":[{"text":"Yep.","start":821.82,"end":822.06,"sentiment":"neutral","sentiment_score":0.18224862217903137},{"text":"Perfect.","start":822.06,"end":822.54004,"sentiment":"positive","sentiment_score":0.4079717993736267},{"text":"So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees,","start":822.54004,"end":836.775,"sentiment":"neutral","sentiment_score":0.3305921270733788}],"sentiment":"neutral","sentiment_score":0.32897931269624014,"channel":0,"num_words":44,"start":821.82,"end":836.775},{"sentences":[{"text":"Mhmm.","start":837.495,"end":837.995,"sentiment":"neutral","sentiment_score":0.27936267852783203}],"sentiment":"neutral","sentiment_score":0.27936267852783203,"channel":1,"num_words":1,"start":837.495,"end":837.995},{"sentences":[{"text":"which is good.","start":838.375,"end":839.17505,"sentiment":"positive","sentiment_score":0.4523448546727498},{"text":"Now on the first page there, you will then see all the individual investments.","start":839.17505,"end":843.195,"sentiment":"neutral","sentiment_score":0.16607372994933808},{"text":"So the ones in the brackets are the ones that's down, and all the others are at positive.","start":843.335,"end":848.61505,"sentiment":"neutral","sentiment_score":0.2619016261564361},{"text":"So you can kind of see all the individual investments.","start":848.61505,"end":851.195,"sentiment":"neutral","sentiment_score":0.1989483017474413},{"text":"Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one.","start":852.0,"end":859.22003,"sentiment":"neutral","sentiment_score":0.047131304517388346}],"sentiment":"neutral","sentiment_score":0.1652008812076279,"channel":0,"num_words":70,"start":838.375,"end":859.22003},{"sentences":[{"text":"Yeah.","start":859.85504,"end":860.35504,"sentiment":"neutral","sentiment_score":0.12143342196941376}],"sentiment":"neutral","sentiment_score":0.12143342196941376,"channel":1,"num_words":1,"start":859.85504,"end":860.35504},{"sentences":[{"text":"Yep.","start":860.72003,"end":861.12,"sentiment":"neutral","sentiment_score":0.26099902391433716},{"text":"Perfect.","start":861.12,"end":861.62,"sentiment":"positive","sentiment_score":0.535410463809967},{"text":"So we've done a lot of, you know, research on all the investments all the time.","start":861.84,"end":865.76,"sentiment":"neutral","sentiment_score":0.284137899056077},{"text":"And after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations.","start":865.76,"end":873.755,"sentiment":"neutral","sentiment_score":-0.049608521127643496},{"text":"Now when it was recommended to you when you came on board, it was doing really well.","start":874.29504,"end":879.015,"sentiment":"positive","sentiment_score":0.5060299126540914}],"sentiment":"neutral","sentiment_score":0.20746398095774357,"channel":0,"num_words":61,"start":860.72003,"end":879.015},{"sentences":[{"text":"It was one of the top performing fund managers and have done really well.","start":879.015,"end":882.81,"sentiment":"positive","sentiment_score":0.6676960672651019},{"text":"That's not to say it's always going to be the case, so that's why the reviews are so good and 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of.","start":966.015,"end":975.42,"sentiment":"neutral","sentiment_score":0.06172086112201214}],"sentiment":"neutral","sentiment_score":0.042035078421714854,"channel":0,"num_words":33,"start":962.335,"end":975.42},{"sentences":[{"text":"Yeah.","start":976.745,"end":977.245,"sentiment":"neutral","sentiment_score":0.10040977597236632}],"sentiment":"neutral","sentiment_score":0.10040977597236632,"channel":1,"num_words":1,"start":976.745,"end":977.245},{"sentences":[{"text":"Yep.","start":977.64,"end":978.14,"sentiment":"neutral","sentiment_score":0.0962834507226944},{"text":"And created an SMA with them.","start":978.68,"end":981.59503,"sentiment":"neutral","sentiment_score":0.09518137434497476},{"text":"Are you quite familiar with what an SMA, the self managed account, what that 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worries.","start":1383.135,"end":1383.75,"sentiment":"neutral","sentiment_score":0.3153967410326004},{"text":"Thank you.","start":1383.83,"end":1384.65,"sentiment":"positive","sentiment_score":0.7287265956401825}],"sentiment":"positive","sentiment_score":0.5220616683363914,"channel":1,"num_words":4,"start":1383.135,"end":1384.65},{"sentences":[{"text":"Perfect.","start":1384.27,"end":1384.77,"sentiment":"positive","sentiment_score":0.7699719071388245},{"text":"No problem at all.","start":1384.9901,"end":1385.63,"sentiment":"positive","sentiment_score":0.6825180053710938},{"text":"Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your 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you.","start":1393.43,"end":1393.67,"sentiment":"positive","sentiment_score":0.6894849836826324}],"sentiment":"positive","sentiment_score":0.6894849836826324,"channel":1,"num_words":2,"start":1393.43,"end":1393.67},{"sentences":[{"text":"you.","start":1393.63,"end":1394.13,"sentiment":"positive","sentiment_score":0.4406743049621582}],"sentiment":"positive","sentiment_score":0.4406743049621582,"channel":0,"num_words":1,"start":1393.63,"end":1394.13},{"sentences":[{"text":"Bye.","start":1393.67,"end":1394.17,"sentiment":"neutral","sentiment_score":0.30041947960853577}],"sentiment":"neutral","sentiment_score":0.30041947960853577,"channel":1,"num_words":1,"start":1393.67,"end":1394.17},{"sentences":[{"text":"Bye.","start":1394.3501,"end":1394.8501,"sentiment":"neutral","sentiment_score":-0.11681487411260603}],"sentiment":"neutral","sentiment_score":-0.11681487411260603,"channel":0,"num_words":1,"start":1394.3501,"end":1394.8501}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers about their annual reviews and personal information. They discuss retirement goals, income contributions, and risk allocation. The speakers provide documents and advice on navigating emails and provide information on investments and performance. They also suggest swapping investments for better outcomes and provide reminder texts for customers to complete research and investment information."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Veronica of Q Financial?","start_word":1,"end_word":20,"intents":[{"intent":"Record call","confidence_score":0.026334086}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.","start_word":111,"end_word":137,"intents":[{"intent":"Confirm identity","confidence_score":0.5242816}]},{"text":"But Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today. But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice.","start_word":280,"end_word":360,"intents":[{"intent":"Discuss past interactions","confidence_score":0.00070487376}]},{"text":"But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice.","start_word":309,"end_word":360,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.035700057},{"intent":"Evaluate future changes","confidence_score":0.003821946}]},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that still the case? Yes.","start_word":375,"end_word":399,"intents":[{"intent":"Verify personal information","confidence_score":0.0021407069}]},{"text":"So what's the first document for you? Alright.","start_word":1521,"end_word":1528,"intents":[{"intent":"Explain information","confidence_score":0.008741168},{"intent":"Identify issue","confidence_score":0.00055892847}]},{"text":"All the important information is still in there. So everything you need to know about the team, our directors, all our advices is in there.","start_word":1592,"end_word":1616,"intents":[{"intent":"Provide information","confidence_score":0.050173983}]},{"text":"So everything you need to know about the team, our directors, all our advices is in there. If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that. Otherwise, no direct changes.","start_word":1600,"end_word":1650,"intents":[{"intent":"Offer assistance","confidence_score":0.0005692422},{"intent":"Offer assistance","confidence_score":0.0548119}]},{"text":"Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well. Now the internal rate of return, everything is net of fees as well. So if you want to scroll to the second page for me first where it says total portfolio. Can you see that? Yep.","start_word":2010,"end_word":2077,"intents":[{"intent":"Provide information","confidence_score":0.014137373}]},{"text":"Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one. Yeah.","start_word":2170,"end_word":2195,"intents":[{"intent":"Discuss benelon asian equity","confidence_score":0.04509667},{"intent":"Discuss dive into the fund","confidence_score":0.00000800063}]},{"text":"So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio.","start_word":2307,"end_word":2344,"intents":[{"intent":"Identify reasons for underperformance","confidence_score":0.000116074356}]},{"text":"One of the other companies that they had in their portfolio was the corporate travel group. I'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes.","start_word":2355,"end_word":2408,"intents":[{"intent":"Discuss the company's choices and recommendations for trading options","confidence_score":4.148344e-8}]},{"text":"But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of. Yeah. Yep.","start_word":2506,"end_word":2529,"intents":[{"intent":"Discuss recent investments with blackrock","confidence_score":0.0060078762},{"intent":"Discuss the company's partnership with blackrock","confidence_score":0.066624455},{"intent":"Discuss the recent collaboration with blackrock","confidence_score":0.034376446}]},{"text":"Are you quite familiar with what an SMA, the self managed account, what that is? Yeah.","start_word":2537,"end_word":2552,"intents":[{"intent":"Explain sma concept","confidence_score":0.046282895},{"intent":"Confirm understanding of sma concept","confidence_score":0.00019947212},{"intent":"Explain sma benefits","confidence_score":0.12592518}]},{"text":"If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together.","start_word":2615,"end_word":2660,"intents":[{"intent":"Swap investment","confidence_score":0.025853291},{"intent":"Recommend rapid investing","confidence_score":3.182951e-7}]},{"text":"Obviously, booking an appointment to go through the statement of advice presented to you. You obviously agreeing and signing through it before we can make a change.","start_word":2661,"end_word":2687,"intents":[{"intent":"Set up meeting for statement of advice","confidence_score":0.000014716717}]},{"text":"Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept?","start_word":2745,"end_word":2779,"intents":[{"intent":"Ask for feedback on concept","confidence_score":0.0003745152}]},{"text":"And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes. You don't need to have as many, you know, appointments with going through the research and the investment changes. If something were to happen, we can quickly make it in the back end.","start_word":2802,"end_word":2856,"intents":[{"intent":"Explain sma advantages","confidence_score":0.003787788}]},{"text":"Last thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation. So do you know when you will start getting those contributions into the preannuation? Like, will that be quite soon? Yeah.","start_word":3031,"end_word":3078,"intents":[{"intent":"Confirm and update projections","confidence_score":0.0015918013}]},{"text":"Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment.","start_word":3401,"end_word":3437,"intents":[{"intent":"Schedule research meeting","confidence_score":0.034844205}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Veronica of Q Financial?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.027288738638162613},{"text":"Thanks.","start_word":21,"end_word":21,"sentiment":"positive","sentiment_score":0.3880208134651184},{"text":"Please stay on the line. Good afternoon. This is Zoe. Hello. This is Zoe. Good afternoon, Zoe. This is Veronica from OQ Financial. How are you?","start_word":22,"end_word":47,"sentiment":"neutral","sentiment_score":0.20631228387355804},{"text":"Good. That's good. Thank I had you booked in to go over your annual you.","start_word":48,"end_word":62,"sentiment":"positive","sentiment_score":0.5686492323875427},{"text":"review.","start_word":63,"end_word":63,"sentiment":"neutral","sentiment_score":0.3253803253173828},{"text":"Is now still a good time for you?","start_word":64,"end_word":71,"sentiment":"positive","sentiment_score":0.3748229444026947},{"text":"Yeah. That'd be fine. Yep.","start_word":72,"end_word":76,"sentiment":"neutral","sentiment_score":0.24345673620700836},{"text":"Perfect.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.4388136863708496},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. No worries. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. It's Zoe Foxwell. 497 Wingerle Avenue, Place, and 06/30/1990.","start_word":78,"end_word":146,"sentiment":"neutral","sentiment_score":0.05849355459213257},{"text":"Perfect. That's exactly what I have here.","start_word":147,"end_word":153,"sentiment":"positive","sentiment_score":0.5471023917198181},{"text":"And how's your day been so far? I've been busy? Sorry. What was that? How's your day been so far? Been been Yeah. busy? All good. All of Yeah. us. Correct. Well, I will try not to keep you for too long. Now before I kind of jump in to the Azure review, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just the usual kind of bit of a catch up to see where Yeah. everything's at? Nothing to Nothing too much. yeah. No. It's just No. chugging along. Obviously, the stock market has been a bit all over the place. But Been a bit volatile the last couple of months or last twelve months have been been a bit so we'll kind of go through all of that today. But before I kind of jump into that portfolio, I do want to just quickly run through a bit of an updated FactFinder with you just to see if there is anything major that has changed in your life where we might need to make any adjustments or changes to the advice. So just kinda bear with me as I go through these questions here, Zoe. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that still the case? Yes. That's correct.","start_word":154,"end_word":401,"sentiment":"neutral","sentiment_score":-0.015165620678735356},{"text":"Perfect.","start_word":402,"end_word":402,"sentiment":"positive","sentiment_score":0.5962828397750854},{"text":"Now next up, Ken, I have Tony nominated. Yep. That's correct. Yep.","start_word":403,"end_word":414,"sentiment":"neutral","sentiment_score":0.2475382536649704},{"text":"Perfect.","start_word":415,"end_word":415,"sentiment":"positive","sentiment_score":0.36815014481544495},{"text":"And phone number ending in 087. That's still the case as well? Yep. Perfect. Now when it comes to your employment, are you still working as an accountant? Yes. Yep. Perfect. Now I do have here are you employed as well as doing the Farm ABN business, or are you is that kind of the same thing? We have the the farm ABN business. Oh, and I worked as a consultant, but under the same ABN. Okay. Perfect. And then do you work full time as an accountant for Soka Consulting? Is that correct? Yes. That's correct. Yep. Perfect. And are you employed there as self employed as well, or is that your business? Is it that bad business? Yeah. Mine and my husband's. Great. Perfect. Now income wise, I have here about $1.50. Yep. That's still correct. That's yeah. Perfect. And when it comes through contributions interest fee for annuation, are you obviously, if it's your how's the business set up? Is that company structure or live partnership? The the house. Is that what The you business. said? Sorry. Sorry. How you're employed. The business. Sorry. No. I'm not employed by the businesses that showed because I'm Okay. an owner, but it's a trust. Okay. Yep. And are you you're you're kinda paying yourself an income of that $1.50 roughly? No. No. The $1.50 is external as a consultant. Yeah. Okay. Perfect. I'll just Yeah. note that. Sorry. So the subcontracting is to Cal Electric and their company. Yep. Okay. Perfect. Sorry. Got And a bit lost in that one. no, that's okay.","start_word":416,"end_word":679,"sentiment":"neutral","sentiment_score":0.015634262934327126},{"text":"It seems like you have a pretty good setup, though, which is which is good.","start_word":680,"end_word":694,"sentiment":"positive","sentiment_score":0.38572612404823303},{"text":"Now with a contribution into superannuation, when you do the consultancy and stuff like that, do you pay yourself contributions into superannuation, I have or been. how Yes. does But that I am meant to be getting, like, the rules have changed and subcontractors now can be classified as employees, and I'll be getting paid by Cal Electric great. from Perfect. now on. Yeah.","start_word":695,"end_word":758,"sentiment":"neutral","sentiment_score":0.07172046601772308},{"text":"Perfect.","start_word":759,"end_word":759,"sentiment":"positive","sentiment_score":0.3413602113723755},{"text":"Because I was having a bit of a look at your account, and I can see that of the you spoke to my colleague, Kyle a little while ago and, you know, did advice and all of that. And I was having a quick look at your hub 24, and I couldn't see any contributions recently. So does that make sense? But moving forward, that will be paid. And will that be 12%? They pay you just like Yes. that standard 12%? Perfect. And that will be 12% of the one fifty. Correct? Yes. Correct.","start_word":760,"end_word":854,"sentiment":"neutral","sentiment_score":0.07149838656187057},{"text":"Great.","start_word":855,"end_word":855,"sentiment":"positive","sentiment_score":0.4013158679008484},{"text":"Perfect. Aside from that, are you planning on making any extra contributions or anything or just kind of that from that you will get from the Probably employer? not at this stage. No. Great. Assets and liabilities wise, I have here your property loss was divided at about 600,000. Yep. Yep. Perfect. And about 100,000 owing on the mortgage? Yes. That's correct. Perfect. I also have a motor vehicle at about 70,000 and a caravan for about 60. Yep. Still correct. Perfect. And a share portfolio of around 80? We've got about a 180 in there now. Oh, perfect. I will update that. Now any other changes to your assets or liabilities at all? Sorry. What was that? Any other changes to, like, any new assets or any other loans or personal loans or anything we haven't gone through? No. No. No. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker and no significant health issues or injuries. Is that still the case as well? Yes. That's true. Correct. Perfect. Estate planning wise, I have here Tony nominated for your beneficiaries if something were to happen to you and that you do have a will in place. That's all still correct? Yes. Yep. That's correct. Yep.","start_word":856,"end_word":1065,"sentiment":"neutral","sentiment_score":0.06423789667231695},{"text":"Great. Perfect. Thank you so much for going through that.","start_word":1066,"end_word":1075,"sentiment":"positive","sentiment_score":0.7326655983924866},{"text":"Now I guess when it kind of comes to goals and stuff that you are working towards in the next couple of years, do you have any specific financial goals that you are working towards at all? We're kind of doing a share investment, obviously, Yep. as well as we're just sort of hedging a little bit with share with super, obviously. Yep. Don't know what the government's gonna do and stuff. So doing a bit of that, bit Yep. of super, Yeah. bit of shares, and seeing what Pardon? comes Yes. out. Versifying wealth and building that a little bit in different avenues.","start_word":1076,"end_word":1179,"sentiment":"neutral","sentiment_score":0.07450401782989502},{"text":"That's a good idea.","start_word":1180,"end_word":1183,"sentiment":"positive","sentiment_score":0.4658370018005371},{"text":"Yep. Perfect. Now with your superannuation investment, we do currently have you in a high growth portfolio. Now I know you went through the kind of that risk profile question there with Carl, so I won't go through all of that with you again. And, obviously, because you're doing some investment as well, you would be a bit more familiar with it. So are you still comfortable with a high growth portfolio? Would you like to make any changes to your risk allocation in your superannuation? No. I'm happy with it still No. being on the risky side at the moment. Yep. And you do have plenty of time until retirement. So from a time frame point of view, typically in a high growth portfolio, we do wanna allow at least eight years until retirement to make sure you have Yes. enough time in the market, which you certainly do. So time frame, perfect. Obviously, as long as you're comfortable, which is great. Mhmm. Now, Zoe, I have just sent you an email with some documents. Do you have access to your emails at the moment or or not really right now? Yeah. I do. Yeah? Okay. Perfect. Yep. So if you could access that for me, that would be great. Now we have just changed the software, so it might look a little bit different to what you are having used to before. Just No worries. let me know if that one came through okay on your end. Yep. I'm seeing it now. Just one time I jump.","start_word":1184,"end_word":1442,"sentiment":"neutral","sentiment_score":0.05866213844779836},{"text":"Great. Yes. Perfect.","start_word":1443,"end_word":1445,"sentiment":"positive","sentiment_score":0.6338299512863159},{"text":"Now before you click on the link, so if you open the email, it will say a link where it says sign out. Just hold off clicking on that one for me. And if you scroll down in the email, you should see a couple of attachments. Can you see those? Yep. Yep.","start_word":1446,"end_word":1498,"sentiment":"neutral","sentiment_score":0.1173798143863678},{"text":"Perfect. Now to make it easier on your side, we can go through them quickly in the way that you see them.","start_word":1499,"end_word":1520,"sentiment":"positive","sentiment_score":0.4649335443973541},{"text":"So what's the first document for you? Alright. V services card version Okay.","start_word":1521,"end_word":1533,"sentiment":"neutral","sentiment_score":0.05476980656385422},{"text":"Perfect.","start_word":1534,"end_word":1534,"sentiment":"positive","sentiment_score":0.35559189319610596},{"text":"So that one and then the next one should be Okvue financial services guide version four. one. I Yep. will get you to have a read over in your own time. There are just some updated financial services guide. You would have seen this one before. One of those compliance documents, just a bit of an update. All the important information is still in there. So everything you need to know about the team, our directors, all our advices is in there. If you do have a read through it and you will put a face to the voice, I'm in there, and sorry for my my colleagues and stuff like that. Otherwise, no direct changes. Otherwise, we had a bit of a revamp to marketing, which you will see, which is nice. But, yeah, otherwise, no major changes. What's the next one you can see? The date and then Cal c o z. Yes. Sorry. This is your Cal certificate of currency, and that just breaks down your insurances. But if there is one above that where it says super insurance summary, is that can you see that one? Yep. Yeah. If you open this one, it gives you kind of an overview of the TAL insurances anyway, And the other one just goes into it in a bit more Perfect. information, but, basically, just let you know that's all paid and up to date so far. And let me know if you can see that summary. If you could open that one for me, that would be good. Yep. I can. Yep. I can see that.","start_word":1535,"end_word":1802,"sentiment":"neutral","sentiment_score":0.10242832452058792},{"text":"Great.","start_word":1803,"end_word":1803,"sentiment":"positive","sentiment_score":0.527798056602478},{"text":"So as you can see, you do have your superannuation with Hub twenty four, and you do have approximately 148,573 in there. Now you do also have some insurances with let me see here. Let me just triple check those documents. So the title fee actually should have said one part, so apologies for the typo. One path is definitely your insurer. Now you have life and total permanent disability with one path of a million dollars. Are you still happy with those level of covers? Has anything changed when it comes to your insurances? No. That's Nope. Perfect. Now I can see that you don't have, fine. obviously, income protection and trauma insurance. You would have kind of gone through that discussion when you spoke to Carl. Are you still comfortable not having, obviously, trauma and income protection? Yeah. For the moment. Yep.","start_word":1804,"end_word":1947,"sentiment":"neutral","sentiment_score":-0.004457729402929544},{"text":"Perfect. Now with the insurance, it is quite cheap for you, which is great.","start_word":1948,"end_word":1961,"sentiment":"positive","sentiment_score":0.56056147813797},{"text":"Obviously, young and not a very risky occupation in the insurance line. So after the tax rebate, it's about $452 for those two. Yep.","start_word":1962,"end_word":1985,"sentiment":"neutral","sentiment_score":0.1857367157936096},{"text":"Perfect.","start_word":1986,"end_word":1986,"sentiment":"positive","sentiment_score":0.4220742583274842},{"text":"Now the next document should then be a performance report, a twelve month hub 24. Can you see that one? Yep. Yes.","start_word":1987,"end_word":2008,"sentiment":"neutral","sentiment_score":0.14026516675949097},{"text":"Perfect.","start_word":2009,"end_word":2009,"sentiment":"positive","sentiment_score":0.39056700468063354},{"text":"Now if you can open this one for me, it shows you all your investments and how they have performed over the last twelve months movements and stuff like that as well. Now the internal rate of return, everything is net of fees as well. So if you want to scroll to the second page for me first where it says total portfolio. Can you see that? Yep. Yep. Yep.","start_word":2010,"end_word":2079,"sentiment":"neutral","sentiment_score":0.1662626415491104},{"text":"Perfect.","start_word":2080,"end_word":2080,"sentiment":"positive","sentiment_score":0.4079717993736267},{"text":"So the second column to the right tells you that in the last twelve months, obviously, despite the the fluctuations and everything we have seen in the last twelve months, your portfolio has still done really well at 11.53% after all fees, Mhmm.","start_word":2081,"end_word":2123,"sentiment":"neutral","sentiment_score":0.3244466185569763},{"text":"which is good.","start_word":2124,"end_word":2126,"sentiment":"positive","sentiment_score":0.4352785050868988},{"text":"Now on the first page there, you will then see all the individual investments. So the ones in the brackets are the ones that's down, and all the others are at positive. So you can kind of see all the individual investments. Now I do wanted to talk to you a little bit about the Benelon Australian Equity, the managed fund, if you can see that one. Yeah. Yep.","start_word":2127,"end_word":2195,"sentiment":"neutral","sentiment_score":0.15752359512059586},{"text":"Perfect.","start_word":2196,"end_word":2196,"sentiment":"positive","sentiment_score":0.535410463809967},{"text":"So we've done a lot of, you know, research on all the investments all the time. And after kind of deep diving a little bit more in through your Benelon investment, that one has kind of underperformed a little bit through expectations.","start_word":2197,"end_word":2238,"sentiment":"neutral","sentiment_score":0.08648067712783813},{"text":"Now when it was recommended to you when you came on board, it was doing really well. It was one of the top performing fund managers and have done really well.","start_word":2239,"end_word":2269,"sentiment":"positive","sentiment_score":0.5767967104911804},{"text":"That's not to say it's always going to be the case, so that's why the reviews are so good and also, obviously, in between to research all the investments if we need to potentially make some changes. So because the Benelon have kind of underperformed a little bit more recently, A couple of factors, they've been a little bit kind of slower in sometimes making those active choices in what they put into their portfolio. Some of their choices as well haven't really played off. One of the other companies that they had in their portfolio was the corporate travel group. I'm not sure if you've heard anything about them, but they had a bit of issues with reporting, which kind of, suspended everything from a trading point of view, and that also or, obviously, a bit of changes. So if you are happy for me to do so, I would like to do a bit more research on that and make a recommendation on potentially swapping that one for a a better option if you're happy for me to do that. Yep. Yep. Perfect. Now as I'm kind of researching your superannuation investments and stuff like that, do you have any have you read our newsletters at all recently? Is that something you kind of keep an eye on or not really? Not really. No. That's okay. Most people say the same, to be fair. But the the reason I do ask is that we have recently teamed up with BlackRock, which you may have heard of. Yeah. Yep. And created an SMA with them. Are you quite familiar with what an SMA, the self managed account, what that is? Yeah. I understand the concept. I've never done anything with them, though. Yeah. So, basically, with the SMA, it's obviously not a self managed super fund. It's a self managed account. Works a little bit different. Obviously, it's still investments in your superannuation. It works a little bit different in that we can a little quicker make changes to the investment if need be. If we just see one you know, something happening in in market or an industry or or anything, we can then quickly swap out an investment without having to go through the SOA process, which obviously can take a little bit longer through put everything together. Obviously, booking an appointment to go through the statement of advice presented to you. You obviously agreeing and signing through it before we can make a change. The the kind of flip side is, though, that we can make the changes quickly in the back end. If you log in through Hub twenty four, you will still see all the individual investments, but you would just be invested in a portfolio instead of kind of the way that you have it at the moment. Now is that something that you are comfortable with from an approach for me to research if it's going to be a better option for you, or what are your thoughts on the whole concept? I kinda like someone just doing it for me. It sounds like it would involve me Yeah. doing more. The SMA yes.","start_word":2270,"end_word":2801,"sentiment":"neutral","sentiment_score":0.01568739302456379},{"text":"And that's what most people say as well because with the SMA, it's it means that we can quickly make the changes.","start_word":2802,"end_word":2823,"sentiment":"positive","sentiment_score":0.4156957268714905},{"text":"You don't need to have as many, you know, appointments with going through the research and the investment changes.","start_word":2824,"end_word":2842,"sentiment":"neutral","sentiment_score":0.28367286920547485},{"text":"If something were to happen, we can quickly make it in the back end. Obviously, still let you know of the changes. And like I said, when you log in to Hub twenty four, you would still see the individual investment.","start_word":2843,"end_word":2883,"sentiment":"positive","sentiment_score":0.3753592073917389},{"text":"It just means that we can do it quicker without having to go through that kind of heavy compliance aspect.","start_word":2884,"end_word":2903,"sentiment":"neutral","sentiment_score":0.21119607985019684},{"text":"But a lot of clients are, you know, quite happy with that because that means we can do that quick quicker in the back end for you.","start_word":2904,"end_word":2930,"sentiment":"positive","sentiment_score":0.6643853783607483},{"text":"Obviously, all the legislation and best interest, that's all still in place. Some people on the other hand are like, no. I want to read through everything before you actually make a change, and that's also okay. So if you are comfortable with looking at both option, I will include it in the research to see, well, which one is going to have, you know, the best option and put you in the best position, you know, in fees Yeah. and Sure.","start_word":2931,"end_word":3012,"sentiment":"neutral","sentiment_score":0.05430825799703598},{"text":"returns Happy to have and a look and at both all of options.","start_word":3013,"end_word":3025,"sentiment":"positive","sentiment_score":0.41427740454673767},{"text":"that. Yep. Okay.","start_word":3026,"end_word":3028,"sentiment":"neutral","sentiment_score":0.20224040746688843},{"text":"Great. Perfect.","start_word":3029,"end_word":3030,"sentiment":"positive","sentiment_score":0.6699844598770142},{"text":"Last thing I do wanna kind of confirm is that when I do run through all of that, I'll do some updated projections and on your situation. So do you know when you will start getting those contributions into the preannuation? Like, will that be quite soon? Yeah.","start_word":3031,"end_word":3078,"sentiment":"neutral","sentiment_score":0.13501860201358795},{"text":"They're being painful. I'm not really sure.","start_word":3079,"end_word":3085,"sentiment":"negative","sentiment_score":-0.4384321868419647},{"text":"And because it does actually date for two years' worth, so I'm assuming it'll have to go through, like, the AGO, like, late payment portal thing. Yeah. But, technically, you meant to be getting it from now. Yes. Yeah. Okay. So what I might do then is because, obviously, the contributions, obviously, compounds and everything and impacts projections Mhmm. for you. So if you are happy for me to do so, even though you will be back paid them, I can include it assuming the 12% of a 150 because that's what you should be getting paid. It's just a little bit backdated of when you'll actually get that. Does that Yeah. make sense? That's fine. Yep. Yes.","start_word":3086,"end_word":3203,"sentiment":"neutral","sentiment_score":-0.0389159619808197},{"text":"Great. Perfect.","start_word":3204,"end_word":3205,"sentiment":"positive","sentiment_score":0.4115491509437561},{"text":"And I do have here that, ideally, you would like to retire at the age of 60 and draw a weekly income of that 2,000 per week. Does that sound Yep. about right? Perfect. Now the last thing there, Zoe, is if you're happy to do so, if you click on the link where it says sign now, it will ask you to sign through documents. Now Yep. one Mhmm. of them is your ongoing service agreement. No changes whatsoever in regards to the ongoing advice fee.","start_word":3206,"end_word":3292,"sentiment":"neutral","sentiment_score":0.1396017074584961},{"text":"Stays exactly the same at that 1.65 from superannuation, and that basically just lets us service your account and everything for you.","start_word":3293,"end_word":3314,"sentiment":"positive","sentiment_score":0.3951950967311859},{"text":"But there's no lock in contract. So if at any point in time you not happy, there is no lock in contract.","start_word":3315,"end_word":3336,"sentiment":"neutral","sentiment_score":0.028680900111794472},{"text":"But as simply this just lets us, you know, stay on board and service you in the meantime.","start_word":3337,"end_word":3354,"sentiment":"positive","sentiment_score":0.3783707618713379},{"text":"And then the second one will be it's just like a compliance form. Just basically to say that we are keeping your tax phone number secure and safe on-site. Do you have any questions in regards to any of that? No. That's fine. No? Okay.","start_word":3355,"end_word":3399,"sentiment":"neutral","sentiment_score":0.1696162074804306},{"text":"Perfect.","start_word":3400,"end_word":3400,"sentiment":"positive","sentiment_score":0.4615958333015442},{"text":"Now to make it easier, while I have you on the phone, I might book in a time for us to go through, the research to see which way we want to go with for your investment. Now when is typically a best time for you? So it probably takes me about a week and a half to get all the research and everything together. I'm fairly flexible. Fairly free? Okay. Do you have a preference on, like, Monday through Thursdays? Any particular day or quite Just flexible. not Mondays. Okay. Any Perfect. of the other days are okay. And ideally in school hours if possible. Yeah. Well, that So, works like, easier nine till three. easier for me because a lot of my afternoons fill out very quickly and early Perfect. morning because people usually the opposite. So that's great. Sorry. Let me have a look here. Sorry. I could do let me see here. She said the twenty eighth, and we can do same time. Oh, actually, if we do 01:00 your time, will that Yeah. work? That'll be fine. Yeah? Yep. Great. Yep.","start_word":3401,"end_word":3586,"sentiment":"neutral","sentiment_score":0.13000014424324036},{"text":"Perfect.","start_word":3587,"end_word":3587,"sentiment":"positive","sentiment_score":0.4010099768638611},{"text":"Sounds Would good. you like a reminder text sent, like, an hour or two before the appointment in case Yeah. something Sure. comes up? Yeah? Okay. Yep.","start_word":3588,"end_word":3614,"sentiment":"neutral","sentiment_score":0.12738484144210815},{"text":"Perfect. Thank you.","start_word":3615,"end_word":3617,"sentiment":"positive","sentiment_score":0.45586442947387695},{"text":"Well, that is all booked in on Tuesday, the twenty eighth at one I said 01:30. No. 01:00 your time, 01:30 my time. Yep. 1PM your time. We'll go through all the research. And, yeah, in the meantime, if you have any questions, let me know. If not, I'll keep a lookout for that document to kind of come back, and I'll get the team to authorize that with hub twenty four for you.","start_word":3618,"end_word":3691,"sentiment":"neutral","sentiment_score":0.07367172489899236},{"text":"No worries. Thank you. Perfect. No problem at all. Thank you so much for your time today, Zoe, and I look forward to speaking with you on Tuesday, the twenty eighth, at 1PM your time. Perfect. Thank you. Thank See you. you.","start_word":3692,"end_word":3733,"sentiment":"positive","sentiment_score":0.6914852857589722},{"text":"Bye. Bye.","start_word":3734,"end_word":3735,"sentiment":"neutral","sentiment_score":0.25707343220710754}],"average":{"sentiment":"neutral","sentiment_score":0.10293067338714693}}}}