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Beautiful. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Address as well, please. Yep. Beautiful. Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at. Yeah. Yeah. Okay. Perfect. And have you had a busy morning so far? Yeah. Oh, goodness. Well, I will try my best not to keep you for too long. But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just bear with me as I run through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that correct? Yep. Perfect. And next of kin so in the event that something ever would've happened to you, I have Kim Young nominated. Is that correct as well? Beautiful. Phone number hasn't changed. It still ends in 769. Yeah. Perfect. And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of that changed? No. Still the same. Okay. Still liking it? Yeah. Pays the bills. Yeah. Now I do have here income of around 103,000. Is that still the case, or has that changed at all? Still the case? Okay. Perfect. And I also have here that your employer just pays that standard 12% contribution into. There's no, like, enterprise bargain agreement or any kind of special arrangement in place. Is that correct? Yep. Perfect. And you are not making any additional contributions, are you? Just that from the employer? Not at the moment. No. That's all good. And when it comes to assets and liabilities, I'll just run through what I have here and see if any of that has changed. So I have your property was last valued at about $7.50. Is that still the case? Do you know, or is that changed? Mhmm. And mortgage, I have about 250,000. Yeah. Yeah. How what well, how much do you think? $2.35? Perfect. I will update that. I also have about 25,000 for a motor vehicle, a Toyota, I believe. Yep. You still got that one? Yep. And you don't have anything owing on that one, do you? No. Perfect. Do you have any other new assets, Matthew, we haven't gone over, like motorbikes or savings in the bank or boats or anything else? No? Yes. I like that. And any other liabilities, like any personal loans or credit card or sick pay or anything? No. Yeah. Okay. Beautiful. That's good. Now when it comes to health and lifestyle, have you had any significant health issues or injuries or any changes we need to know about? No. That's not perfect. And I have you down here as a nonsmoker. Is that the case? Yep. Perfect. And when it comes to estate planning, do you know if you have a will or power of attorney or anything like that in place? No. That's no. That's okay. Now when it comes to your super and your insurances, I can see here that we currently don't have a nomination on file for you. Do you remember receiving those documents in the post by any chance? Yes. Probably appreciated. No. We would appreciate that. Do you do you have access to a printer, or do you prefer things to be posted out to you? Yes? Okay. Beautiful. Well, I'll get the team to do that. Then that way, you do have a copy in your inbox as well if anything were to happen. Do you have any questions in completing the forms or who you might want to nominate or anything like that? No. Yes. Yes. Yes. And it will be because it's your spouse, it will if anything were to happen, it will go to her tax free as well, which is good. So I will get the team to email that out to you. Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same? Has anything changed, or what's kind of everything sitting at? So when we spoke last time, your main focus was to save up and do some traveling overseas, potentially Europe or America. Did you guys end up going on holiday, or is that still kind of the plan that you guys are working towards? Mhmm. Okay. Yeah. Yeah. Okay. Yep. Okay. Okay. Yes. Yep. Yep. Forward. Yeah. Yep. Well, I hope she's okay. Do you guys have, like, a a budget in place? Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income on work cover. Yep. Okay. Okay. Okay. Okay. Yes. Yes. Okay. Well well, that's good. So if, hopefully, everything, you know, do does get better and she will get that more payout or can go back to work depending on what is happening. But if some reason you are really struggling financially and you do need any guidance on on budget or anything if it's really getting to that point. Hopefully, it doesn't. But just let us know because we can always assist in that way if if need be. Okay? Yep. Okay. Perfect. Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65. Is that still kind of the plan, do you think? Yep. You technically could, but you can't access super until '60 anyway, at least with the current legislation. And I do have here an ideal income from super. So when you do draw an income from super and retire, I have here between 800 and 1,000. Last time, you said would probably be sufficient to meet living expenses and kind of funds retirement. Do you still think that's achievable? Do you think you need a little bit more? Or yep. Yes. Yes. And it is a pretty good middle ground. Most people say the same about a thousand or so if you do have a partner because then you you might most people's focus is, well, hopefully, I don't have a mortgage or a very small mortgage, so I don't have too many, like, expenses in that way. And then it's just to cover, you know, living expenses and traveling, and stuff. So most people sit around that a thousand dollars. So it's pretty pretty standard what most people would say. Again, obviously, depending on how extravagant you want your retirement. Alright. Beautiful. Now when it comes through how your money is invested, I'll just kind of quickly go through just an updated risk profile questionnaire with you just to see if there is anything major that has changed in terms of how you feel about market fluctuations, if we need to make any changes to your risk profile. Now in the last twelve months, have you bought any, like, direct shares or ever done some personal investing? Nope. And when it comes through the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? You were somewhere in the in the mid in the middle. Sorry. You you were kind of, you know, we do have you invested in your your growth profile, which does sit somewhere in the middle in that you are still focusing on, you know, growing your super as much as possible. You still have plenty of time until retirement, are comfortable seeing a bit of short term fluctuation. It is not your your high growth or aggressive portfolio, but also not your super defensive. So it's kind of somewhere in the middle there. And when we are talking, that's that sounds that it aligns with you still? Yep. Yep. Okay. Perfect. And, also, when we are talking about a time frame, because we also wanna make sure you have enough time in the market for those fluctuations. In a growth portfolio, typically, we want to allow at least six years to retirement, which you do have behind you. So you are in a good position in that kind of growth profile, growing it, but still having a little bit of that defensive component as well. Yeah. Okay. Beautiful. Now, Matthew, do you have access to your emails at the moment by any chance? Yep? Okay. So what I have done is I have just sent you an email with some documents to run through with you. And if you can access them, it does makes it a little bit more interactive for you as I do go through it. Yeah. Now we have also recently changed the square, so it might look a little bit different to what you are used to. It's kind of the same, though, where it will ask you to click on a link, and then clicking the link will allow you to open up and look at all the documents. Nothing's come and not just spam either. Let me have a look. Usually, by now, it should have come through. Now I can try to resend it. I can just send. Yep. Dot vic dot gov dot a u. Yep. Alright. Let me see if I can just resend this quickly to you. Alright. So it says it's been sent. Let me just triple check here. Alright. I'll just try resending it. While I wait for that to come through, are you happy for me to kind of go through some of the documents? Oh, beautiful. You might get two or three copies because I resent it a couple of times. It's all the same, though. You got it? Alright. Perfect. Now the first document that you should see should be the one that says summary of superannuation and insurances. Yep. Can you see that okay? Yep. Perfect. I did have a quick look at your super balance as of last under review when we spoke as well. And at that time, the super balance was at 260,385. And as you can see now, it's up at $301,222.21, and you have your super with hub twenty four. Now underneath that, you then have your insurance, which is with Ascender. It used to be MLC. Just change over to Ascender. Your policy stays the same, though. And you do have your life and total permanent disability. So as you can see here, it's 800And51500And50. Now when it comes to your life and to TPD, are you still happy with that level of cover you are covered for? Do you wanna make any changes, or what are your thoughts on that? Yep. Yep. Perfect. And when it comes to the income protection as well, you do have that, which will pay you a monthly amount of 6,152 if something were to happen, which does align pretty much with your income we have here. So if your income is at a 103,000, 70% of that on a monthly basis is about 6,008. So pretty close to what you are on there for your income protection, which is great. You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate. So all three is $3,712. And you're still happy with your income protection as well? Yep. Yep. Beautiful. Now if you can go to the next document for me, it should be your performance with IRR with hub twenty four. Yep. Perfect. Now that one here, it shows you your portfolio over the last twelve months. So it shows you from the August 15 last year through the August 14 this year. And it does give you a bit of an overview of your all individual investment and your performance of your portfolio. Now the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well. So we have seen quite a bit of fluctuation. Now in saying that, though, overall, your portfolio has still done pretty well. So after fees, it's up at 7.37%, which is about 26,024, and that is just from your investment, so not contributions. Yep. Perfect. Now with your investments, though, so if you are on the first page there for me, can you see the second column to the right where it says internal rate of return? Yep. Perfect. So that breaks down the individual investments and how they have performed. Now the top one here, the Benelung Australian equity, if you are happy for me to do so, I would like to do a little bit more research on this investment and see if we wanna potentially swap it out for you. Because you can see that this one here is in bracket, which means that it is underperforming a little bit at the moment. So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments. And if there is anything that is underperforming or we don't foresee coming back around or there's potentially better options out there for you, then we wanna obviously make sure we we do some research and potentially look at changing things for you if it's going to be the best for Does that make sense? Yeah. Beautiful. Are you happy for me to go and do that reset for you? Yep. Yep. Great. Any questions so far? Oh, that's pretty straightforward. No. Yep. That's all good. Yep. Perfect. Now if you can click on the next document for me, it should be your Vanguard index chart, I believe. Yep. Perfect. Do you remember going through this last year at all? Vaguely? No. That's okay. So Vanguard does release one every year, which is great. The next one is due to come out any day now. So at the end of its financial year, they do a bit of an updated version. Essentially, it is a good visual representation of what we are talking about when we're talking about the market. It shows you kind of results from 1995 through to 2025, and it shows you all the ups and downs of the market. You can basically see that over the long term, market always goes up. For short term, you will have some ups and downs and market fluctuations. Now it also breaks down the different asset classes on the right. So when we are then referring back to that growth portfolio for you, we typically see about 80% in a combination of your top four. So that is your US shares, which you can see is, like, your light green, your Australian shares, which is, like, your dark green, international shares, which is, like, the yellow line, and then the property, which is, like, that maroon color. So these are the ones you can see, obviously, grow the most, but they also fluctuate the most. And that's where that time frame comes into play, like I mentioned earlier as well, for for retirement. And then you do have about 20% in defensive. So, like, your bottom one's here, which you can see a little bit more stable to kind of limit those fluctuations a little bit, but they don't grow as much either. So we want a bit of a balance between the two. Does that make sense? Yep. Beautiful. Now the next document should just be your certificate of currency for your, Ascender, MLC insurances. Just a little bit more information that basically lets you know that's all paid and up to date for you. Yep. Now the next document should be your Oakview services guide. Yep. Perfect. Again, you probably have seen this a couple of times. It is one of those compliance documents. Gives you all the important information in regards to us here at Oakview. Gives you information about the team or directors and our advisers. If you do wanna scroll down through page 10, you can actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yep. Perfect. Now I do wanna let you know we've had a bit of a bit of a change to our fee structure as well. So if you want to scroll down through page 17 for me, you should see was this ongoing service fee? Can you see that? Yep. Perfect. So in your instance, it it actually turned out a little bit cheaper for you, which is great. So you can basically see here that the old fee structure, it was at the flat 1.65 from super. Now because of, obviously, superannuation as your balance grows and because you are in the you have money over 200,000, you can then see that it's kind of that tiered structure. So it will mean, obviously, as your super balance grow, that kind of reduces and gets a little bit cheaper as your your money grows. Does that make sense? Yep. Yep. Beautiful. So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great. But, otherwise, it kind of stays the same, meaning that there's no lock in contract at any point in time. If you're not happy, there's no excess fees or anything like that. But, otherwise, yeah, there's a little change in that ongoing service fee for you. Do you have any questions in regards to the changes there? No. Yep. Okay. Perfect. So on the next document, Matthew, it is then broken down in that ongoing service agreement. Can you see that? Yep. Perfect. So this one here, if you're happy to do so, it will ask for your signature, and that is just to say that you are happy to stay on as a client. Now like I mentioned, it is not a lock in contract at any point, any way, shape, or form. But by signing this, it just allows us to manage all your investments and superinsurance and everything for you in the meantime. Yep. Perfect. So, yeah, if you're happy to do so, it will ask for a little signature at the bottom there. Perfect. And that should be everything, I believe. So when you added the signature, does it say validate? Yep. Perfect. So I'll just kinda refresh that online to see if that comes through. While I do wait for that to come through, while I have you on the phone, I'll book in the next catch up for to go through the research on your investments if we wanted to make any changes to anything. So, Matthew, when is typically a best time for yourself to go through that? And it won't take us as long as today. I've yeah. So Habitat. So it probably takes me about a week or so to put together. So I could do any time from Wednesday, Thursday next week if any of those work. Okay. The week after? Yes. Perfect. Now I do have some availability still. So do you have a preference on the Monday to Thursday? Which day works to be good best for you? Thursday? Okay. Perfect. Now let me have a look. I could do either 12:00 or I could do 02:00 or 04:00. 12:00? Okay. Beautiful. I will book that in on Thursday, September 3, which is crazy that it's September almost already at, yeah, at 12PM. Now if anything does change and you can't make the appointment, just let me know, and we can always get that rescheduled for you. Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted. But do you have any other questions for me at this point before I let you go and get on with your day? No? Yes. Beautiful. Well, I will let you go, and, hopefully, the rest of your day is good and not too busy for you. But if you need anything between now and Thursday, September 3, don't hesitate to give us a call or send me an email. Okay? No problem at all. Well, thank you so much for your time today, Matthew. It was lovely speaking with you, and I look forward to speaking with you on Thursday, the third. Mhmm. See you later. 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morning, Matthew. This is Veronica from AQ Financial. How are you? I'm good. Thank you very much.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yep. Beautiful. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Address as well, please.\n\nYep. Beautiful. Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at. Yeah. Yeah.\n\nOkay. Perfect. And have you had a busy morning so far? Yeah. Oh, goodness.\n\nWell, I will try my best not to keep you for too long. But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just bear with me as I run through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that correct?\n\nYep. Perfect. And next of kin so in the event that something ever would've happened to you, I have Kim Young nominated. Is that correct as well? Beautiful.\n\nPhone number hasn't changed. It still ends in 769. Yeah. Perfect. And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of that changed?\n\nNo. Still the same. Okay. Still liking it? Yeah.\n\nPays the bills. Yeah. Now I do have here income of around 103,000. Is that still the case, or has that changed at all? Still the case?\n\nOkay. Perfect. And I also have here that your employer just pays that standard 12% contribution into. There's no, like, enterprise bargain agreement or any kind of special arrangement in place. Is that correct?\n\nYep. Perfect. And you are not making any additional contributions, are you? Just that from the employer? Not at the moment.\n\nNo. That's all good. And when it comes to assets and liabilities, I'll just run through what I have here and see if any of that has changed. So I have your property was last valued at about $7.50. Is that still the case?\n\nDo you know, or is that changed? Mhmm. And mortgage, I have about 250,000. Yeah. Yeah.\n\nHow what well, how much do you think? $2.35? Perfect. I will update that. I also have about 25,000 for a motor vehicle, a Toyota, I believe.\n\nYep. You still got that one? Yep. And you don't have anything owing on that one, do you? No.\n\nPerfect. Do you have any other new assets, Matthew, we haven't gone over, like motorbikes or savings in the bank or boats or anything else? No? Yes. I like that.\n\nAnd any other liabilities, like any personal loans or credit card or sick pay or anything? No. Yeah. Okay. Beautiful.\n\nThat's good. Now when it comes to health and lifestyle, have you had any significant health issues or injuries or any changes we need to know about? No. That's not perfect. And I have you down here as a nonsmoker.\n\nIs that the case? Yep. Perfect. And when it comes to estate planning, do you know if you have a will or power of attorney or anything like that in place? No.\n\nThat's no. That's okay. Now when it comes to your super and your insurances, I can see here that we currently don't have a nomination on file for you. Do you remember receiving those documents in the post by any chance? Yes.\n\nProbably appreciated. No. We would appreciate that. Do you do you have access to a printer, or do you prefer things to be posted out to you? Yes?\n\nOkay. Beautiful. Well, I'll get the team to do that. Then that way, you do have a copy in your inbox as well if anything were to happen. Do you have any questions in completing the forms or who you might want to nominate or anything like that?\n\nNo. Yes. Yes. Yes. And it will be because it's your spouse, it will if anything were to happen, it will go to her tax free as well, which is good.\n\nSo I will get the team to email that out to you. Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same? Has anything changed, or what's kind of everything sitting at? So when we spoke last time, your main focus was to save up and do some traveling overseas, potentially Europe or America. Did you guys end up going on holiday, or is that still kind of the plan that you guys are working towards?\n\nMhmm. Okay. Yeah. Yeah. Okay.\n\nYep. Okay. Okay. Yes. Yep.\n\nYep. Forward. Yeah. Yep. Well, I hope she's okay.\n\nDo you guys have, like, a a budget in place? Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income on work cover. Yep. Okay. Okay.\n\nOkay. Okay. Yes. Yes. Okay.\n\nWell well, that's good. So if, hopefully, everything, you know, do does get better and she will get that more payout or can go back to work depending on what is happening. But if some reason you are really struggling financially and you do need any guidance on on budget or anything if it's really getting to that point. Hopefully, it doesn't. But just let us know because we can always assist in that way if if need be.\n\nOkay? Yep. Okay. Perfect. Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65.\n\nIs that still kind of the plan, do you think? Yep. You technically could, but you can't access super until '60 anyway, at least with the current legislation. And I do have here an ideal income from super. So when you do draw an income from super and retire, I have here between 800 and 1,000.\n\nLast time, you said would probably be sufficient to meet living expenses and kind of funds retirement. Do you still think that's achievable? Do you think you need a little bit more? Or yep. Yes.\n\nYes. And it is a pretty good middle ground. Most people say the same about a thousand or so if you do have a partner because then you you might most people's focus is, well, hopefully, I don't have a mortgage or a very small mortgage, so I don't have too many, like, expenses in that way. And then it's just to cover, you know, living expenses and traveling, and stuff. So most people sit around that a thousand dollars.\n\nSo it's pretty pretty standard what most people would say. Again, obviously, depending on how extravagant you want your retirement. Alright. Beautiful. Now when it comes through how your money is invested, I'll just kind of quickly go through just an updated risk profile questionnaire with you just to see if there is anything major that has changed in terms of how you feel about market fluctuations, if we need to make any changes to your risk profile.\n\nNow in the last twelve months, have you bought any, like, direct shares or ever done some personal investing? Nope. And when it comes through the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? You were somewhere in the in the mid in the middle. Sorry.\n\nYou you were kind of, you know, we do have you invested in your your growth profile, which does sit somewhere in the middle in that you are still focusing on, you know, growing your super as much as possible. You still have plenty of time until retirement, are comfortable seeing a bit of short term fluctuation. It is not your your high growth or aggressive portfolio, but also not your super defensive. So it's kind of somewhere in the middle there. And when we are talking, that's that sounds that it aligns with you still?\n\nYep. Yep. Okay. Perfect. And, also, when we are talking about a time frame, because we also wanna make sure you have enough time in the market for those fluctuations.\n\nIn a growth portfolio, typically, we want to allow at least six years to retirement, which you do have behind you. So you are in a good position in that kind of growth profile, growing it, but still having a little bit of that defensive component as well. Yeah. Okay. Beautiful.\n\nNow, Matthew, do you have access to your emails at the moment by any chance? Yep? Okay. So what I have done is I have just sent you an email with some documents to run through with you. And if you can access them, it does makes it a little bit more interactive for you as I do go through it.\n\nYeah. Now we have also recently changed the square, so it might look a little bit different to what you are used to. It's kind of the same, though, where it will ask you to click on a link, and then clicking the link will allow you to open up and look at all the documents. Nothing's come and not just spam either. Let me have a look.\n\nUsually, by now, it should have come through. Now I can try to resend it. I can just send. Yep. Dot vic dot gov dot a u.\n\nYep. Alright. Let me see if I can just resend this quickly to you. Alright. So it says it's been sent.\n\nLet me just triple check here. Alright. I'll just try resending it. While I wait for that to come through, are you happy for me to kind of go through some of the documents? Oh, beautiful.\n\nYou might get two or three copies because I resent it a couple of times. It's all the same, though. You got it? Alright. Perfect.\n\nNow the first document that you should see should be the one that says summary of superannuation and insurances. Yep. Can you see that okay? Yep. Perfect.\n\nI did have a quick look at your super balance as of last under review when we spoke as well. And at that time, the super balance was at 260,385. And as you can see now, it's up at $301,222.21, and you have your super with hub twenty four. Now underneath that, you then have your insurance, which is with Ascender. It used to be MLC.\n\nJust change over to Ascender. Your policy stays the same, though. And you do have your life and total permanent disability. So as you can see here, it's 800And51500And50. Now when it comes to your life and to TPD, are you still happy with that level of cover you are covered for?\n\nDo you wanna make any changes, or what are your thoughts on that? Yep. Yep. Perfect. And when it comes to the income protection as well, you do have that, which will pay you a monthly amount of 6,152 if something were to happen, which does align pretty much with your income we have here.\n\nSo if your income is at a 103,000, 70% of that on a monthly basis is about 6,008. So pretty close to what you are on there for your income protection, which is great. You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate. So all three is $3,712. And you're still happy with your income protection as well?\n\nYep. Yep. Beautiful. Now if you can go to the next document for me, it should be your performance with IRR with hub twenty four. Yep.\n\nPerfect. Now that one here, it shows you your portfolio over the last twelve months. So it shows you from the August 15 last year through the August 14 this year. And it does give you a bit of an overview of your all individual investment and your performance of your portfolio. Now the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well.\n\nSo we have seen quite a bit of fluctuation. Now in saying that, though, overall, your portfolio has still done pretty well. So after fees, it's up at 7.37%, which is about 26,024, and that is just from your investment, so not contributions. Yep. Perfect.\n\nNow with your investments, though, so if you are on the first page there for me, can you see the second column to the right where it says internal rate of return? Yep. Perfect. So that breaks down the individual investments and how they have performed. Now the top one here, the Benelung Australian equity, if you are happy for me to do so, I would like to do a little bit more research on this investment and see if we wanna potentially swap it out for you.\n\nBecause you can see that this one here is in bracket, which means that it is underperforming a little bit at the moment. So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments. And if there is anything that is underperforming or we don't foresee coming back around or there's potentially better options out there for you, then we wanna obviously make sure we we do some research and potentially look at changing things for you if it's going to be the best for Does that make sense? Yeah. Beautiful.\n\nAre you happy for me to go and do that reset for you? Yep. Yep. Great. Any questions so far?\n\nOh, that's pretty straightforward. No. Yep. That's all good. Yep.\n\nPerfect. Now if you can click on the next document for me, it should be your Vanguard index chart, I believe. Yep. Perfect. Do you remember going through this last year at all?\n\nVaguely? No. That's okay. So Vanguard does release one every year, which is great. The next one is due to come out any day now.\n\nSo at the end of its financial year, they do a bit of an updated version. Essentially, it is a good visual representation of what we are talking about when we're talking about the market. It shows you kind of results from 1995 through to 2025, and it shows you all the ups and downs of the market. You can basically see that over the long term, market always goes up. For short term, you will have some ups and downs and market fluctuations.\n\nNow it also breaks down the different asset classes on the right. So when we are then referring back to that growth portfolio for you, we typically see about 80% in a combination of your top four. So that is your US shares, which you can see is, like, your light green, your Australian shares, which is, like, your dark green, international shares, which is, like, the yellow line, and then the property, which is, like, that maroon color. So these are the ones you can see, obviously, grow the most, but they also fluctuate the most. And that's where that time frame comes into play, like I mentioned earlier as well, for for retirement.\n\nAnd then you do have about 20% in defensive. So, like, your bottom one's here, which you can see a little bit more stable to kind of limit those fluctuations a little bit, but they don't grow as much either. So we want a bit of a balance between the two. Does that make sense? Yep.\n\nBeautiful. Now the next document should just be your certificate of currency for your, Ascender, MLC insurances. Just a little bit more information that basically lets you know that's all paid and up to date for you. Yep. Now the next document should be your Oakview services guide.\n\nYep. Perfect. Again, you probably have seen this a couple of times. It is one of those compliance documents. Gives you all the important information in regards to us here at Oakview.\n\nGives you information about the team or directors and our advisers. If you do wanna scroll down through page 10, you can actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yep. Perfect. Now I do wanna let you know we've had a bit of a bit of a change to our fee structure as well.\n\nSo if you want to scroll down through page 17 for me, you should see was this ongoing service fee? Can you see that? Yep. Perfect. So in your instance, it it actually turned out a little bit cheaper for you, which is great.\n\nSo you can basically see here that the old fee structure, it was at the flat 1.65 from super. Now because of, obviously, superannuation as your balance grows and because you are in the you have money over 200,000, you can then see that it's kind of that tiered structure. So it will mean, obviously, as your super balance grow, that kind of reduces and gets a little bit cheaper as your your money grows. Does that make sense? Yep.\n\nYep. Beautiful. So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great. But, otherwise, it kind of stays the same, meaning that there's no lock in contract at any point in time. If you're not happy, there's no excess fees or anything like that.\n\nBut, otherwise, yeah, there's a little change in that ongoing service fee for you. Do you have any questions in regards to the changes there? No. Yep. Okay.\n\nPerfect. So on the next document, Matthew, it is then broken down in that ongoing service agreement. Can you see that? Yep. Perfect.\n\nSo this one here, if you're happy to do so, it will ask for your signature, and that is just to say that you are happy to stay on as a client. Now like I mentioned, it is not a lock in contract at any point, any way, shape, or form. But by signing this, it just allows us to manage all your investments and superinsurance and everything for you in the meantime. Yep. Perfect.\n\nSo, yeah, if you're happy to do so, it will ask for a little signature at the bottom there. Perfect. And that should be everything, I believe. So when you added the signature, does it say validate? Yep.\n\nPerfect. So I'll just kinda refresh that online to see if that comes through. While I do wait for that to come through, while I have you on the phone, I'll book in the next catch up for to go through the research on your investments if we wanted to make any changes to anything. So, Matthew, when is typically a best time for yourself to go through that? And it won't take us as long as today.\n\nI've yeah. So Habitat. So it probably takes me about a week or so to put together. So I could do any time from Wednesday, Thursday next week if any of those work. Okay.\n\nThe week after? Yes. Perfect. Now I do have some availability still. So do you have a preference on the Monday to Thursday?\n\nWhich day works to be good best for you? Thursday? Okay. Perfect. Now let me have a look.\n\nI could do either 12:00 or I could do 02:00 or 04:00. 12:00? Okay. Beautiful. I will book that in on Thursday, September 3, which is crazy that it's September almost already at, yeah, at 12PM.\n\nNow if anything does change and you can't make the appointment, just let me know, and we can always get that rescheduled for you. Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted. But do you have any other questions for me at this point before I let you go and get on with your day? No? Yes.\n\nBeautiful. Well, I will let you go, and, hopefully, the rest of your day is good and not too busy for you. But if you need anything between now and Thursday, September 3, don't hesitate to give us a call or send me an email. Okay? No problem at all.\n\nWell, thank you so much for your time today, Matthew. It was lovely speaking with you, and I look forward to speaking with you on Thursday, the third. Mhmm. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Matthew.","start":5.8399997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2697255363066991},{"text":"This is Veronica from AQ Financial.","start":6.8799996,"end":8.98,"sentiment":"neutral","sentiment_score":0.19876081248124441},{"text":"How are you?","start":9.2,"end":9.94,"sentiment":"neutral","sentiment_score":0.135748952627182},{"text":"I'm good.","start":12.719999,"end":13.44,"sentiment":"positive","sentiment_score":0.6133677661418915},{"text":"Thank you very much.","start":13.44,"end":14.74,"sentiment":"positive","sentiment_score":0.7949944138526917}],"sentiment":"positive","sentiment_score":0.37865008496575886,"num_words":18,"start":5.8399997,"end":14.74},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":16.105,"end":18.585001,"sentiment":"positive","sentiment_score":0.41281886805187573},{"text":"Is now still a good time for you?","start":18.585001,"end":20.365,"sentiment":"neutral","sentiment_score":0.33290350437164307},{"text":"Yep.","start":21.625,"end":22.125,"sentiment":"neutral","sentiment_score":0.14745627343654633},{"text":"Beautiful.","start":22.185001,"end":22.685001,"sentiment":"positive","sentiment_score":0.44928574562072754},{"text":"Now, Matthew, 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":23.385,"end":33.449997,"sentiment":"neutral","sentiment_score":0.019794446833688636}],"sentiment":"neutral","sentiment_score":0.16750033121556043,"num_words":50,"start":16.105,"end":33.449997},{"sentences":[{"text":"Yep.","start":35.27,"end":35.77,"sentiment":"neutral","sentiment_score":0.04259839281439781},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":36.149998,"end":45.255,"sentiment":"neutral","sentiment_score":0.031185873493086547},{"text":"Yep.","start":48.755,"end":49.255,"sentiment":"neutral","sentiment_score":0.013249087147414684},{"text":"Yep.","start":53.475002,"end":53.975002,"sentiment":"neutral","sentiment_score":0.013482466340065002},{"text":"Address as well, please.","start":56.595,"end":57.72,"sentiment":"neutral","sentiment_score":0.018082466442137957}],"sentiment":"neutral","sentiment_score":0.0292207118935692,"num_words":39,"start":35.27,"end":57.72},{"sentences":[{"text":"Yep.","start":68.36,"end":68.86,"sentiment":"neutral","sentiment_score":0.1573304533958435},{"text":"Beautiful.","start":68.92,"end":69.42,"sentiment":"positive","sentiment_score":0.3818870782852173},{"text":"Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at.","start":71.105,"end":88.630005,"sentiment":"neutral","sentiment_score":0.032868984760371256},{"text":"Yeah.","start":93.57,"end":94.07,"sentiment":"neutral","sentiment_score":0.033070191740989685},{"text":"Yeah.","start":94.29,"end":94.770004,"sentiment":"neutral","sentiment_score":0.04282548278570175}],"sentiment":"neutral","sentiment_score":0.040545766778883434,"num_words":63,"start":68.36,"end":94.770004},{"sentences":[{"text":"Okay.","start":94.770004,"end":95.17,"sentiment":"neutral","sentiment_score":0.10859176516532898},{"text":"Perfect.","start":95.17,"end":95.67,"sentiment":"neutral","sentiment_score":0.23123112320899963},{"text":"And have you had a busy morning so far?","start":96.29,"end":98.205,"sentiment":"neutral","sentiment_score":0.051551701294051275},{"text":"Yeah.","start":100.125,"end":100.625,"sentiment":"neutral","sentiment_score":-0.009071378968656065},{"text":"Oh, goodness.","start":103.005005,"end":103.665,"sentiment":"neutral","sentiment_score":-0.004214657470583916}],"sentiment":"neutral","sentiment_score":0.056163393293640444,"num_words":14,"start":94.770004,"end":103.665},{"sentences":[{"text":"Well, I will try my best not to keep you for too long.","start":103.805,"end":106.945,"sentiment":"neutral","sentiment_score":-0.06463613160527669},{"text":"But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice.","start":109.005005,"end":121.35,"sentiment":"neutral","sentiment_score":-0.013918166544209135},{"text":"So just bear with me as I run through this.","start":121.89,"end":124.71,"sentiment":"neutral","sentiment_score":-0.03978053070604801},{"text":"Now when it comes to your personal information, I have you down here as married with two financial dependents.","start":125.65,"end":133.325,"sentiment":"neutral","sentiment_score":0.021339833540351766},{"text":"Is that correct?","start":133.545,"end":134.44499,"sentiment":"neutral","sentiment_score":0.03977779423197111}],"sentiment":"neutral","sentiment_score":-0.0148634633211338,"num_words":92,"start":103.805,"end":134.44499},{"sentences":[{"text":"Yep.","start":136.025,"end":136.505,"sentiment":"neutral","sentiment_score":0.1981638669967651},{"text":"Perfect.","start":136.505,"end":137.005,"sentiment":"positive","sentiment_score":0.6267789602279663},{"text":"And next of kin so in the event that something ever would've happened to you, I have Kim Young nominated.","start":137.225,"end":143.28,"sentiment":"neutral","sentiment_score":0.25462320670485494},{"text":"Is that correct as well?","start":143.58,"end":145.42,"sentiment":"neutral","sentiment_score":0.14545858949422835},{"text":"Beautiful.","start":145.42,"end":145.92,"sentiment":"positive","sentiment_score":0.5774656534194946}],"sentiment":"neutral","sentiment_score":0.257934484364731,"num_words":28,"start":136.025,"end":145.92},{"sentences":[{"text":"Phone number hasn't changed.","start":147.34,"end":149.26001,"sentiment":"neutral","sentiment_score":0.1125524090602994},{"text":"It still ends in 769.","start":149.26001,"end":152.16,"sentiment":"neutral","sentiment_score":0.06874662339687347},{"text":"Yeah.","start":154.06,"end":154.46,"sentiment":"neutral","sentiment_score":0.10265640914440156},{"text":"Perfect.","start":154.46,"end":154.96,"sentiment":"neutral","sentiment_score":0.265104740858078},{"text":"And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of that changed?","start":155.34,"end":162.74501,"sentiment":"neutral","sentiment_score":0.03582423893161691}],"sentiment":"neutral","sentiment_score":0.05657119230946173,"num_words":37,"start":147.34,"end":162.74501},{"sentences":[{"text":"No.","start":163.925,"end":164.425,"sentiment":"neutral","sentiment_score":-0.18677404522895813},{"text":"Still the same.","start":165.60501,"end":166.325,"sentiment":"neutral","sentiment_score":0.025803324456016224},{"text":"Okay.","start":166.325,"end":166.80501,"sentiment":"neutral","sentiment_score":0.06204545497894287},{"text":"Still liking it?","start":166.80501,"end":167.865,"sentiment":"neutral","sentiment_score":0.1449316293001175},{"text":"Yeah.","start":172.17,"end":172.67,"sentiment":"neutral","sentiment_score":0.017578942701220512}],"sentiment":"neutral","sentiment_score":0.04500613485773405,"num_words":9,"start":163.925,"end":172.67},{"sentences":[{"text":"Pays the bills.","start":172.81,"end":173.79,"sentiment":"neutral","sentiment_score":0.0034533332412441573},{"text":"Yeah.","start":174.57,"end":175.07,"sentiment":"neutral","sentiment_score":0.04213123023509979},{"text":"Now I do have here income of around 103,000.","start":177.05,"end":181.39,"sentiment":"neutral","sentiment_score":0.016159409346679848},{"text":"Is that still the case, or has that changed at all?","start":181.53,"end":184.125,"sentiment":"neutral","sentiment_score":-0.010503139262172308},{"text":"Still the case?","start":187.305,"end":188.105,"sentiment":"neutral","sentiment_score":-0.03651541223128637}],"sentiment":"neutral","sentiment_score":-0.0010057353518075412,"num_words":27,"start":172.81,"end":188.105},{"sentences":[{"text":"Okay.","start":188.105,"end":188.425,"sentiment":"neutral","sentiment_score":0.05356984585523605},{"text":"Perfect.","start":188.425,"end":188.925,"sentiment":"neutral","sentiment_score":0.1553703546524048},{"text":"And I also have here that your employer just pays that standard 12% contribution into.","start":189.785,"end":195.725,"sentiment":"neutral","sentiment_score":0.04617720271150271},{"text":"There's no, like, enterprise bargain agreement or any kind of special arrangement in place.","start":196.14,"end":203.02,"sentiment":"neutral","sentiment_score":-0.023822328874043057},{"text":"Is that correct?","start":203.02,"end":203.92,"sentiment":"neutral","sentiment_score":-0.014812406152486801}],"sentiment":"neutral","sentiment_score":0.015401424073121128,"num_words":34,"start":188.105,"end":203.92},{"sentences":[{"text":"Yep.","start":204.7,"end":205.2,"sentiment":"neutral","sentiment_score":0.02239780500531197},{"text":"Perfect.","start":205.74,"end":206.22,"sentiment":"neutral","sentiment_score":0.1223013997077942},{"text":"And you are not making any additional contributions, are you?","start":206.22,"end":209.19499,"sentiment":"neutral","sentiment_score":-0.01445325706154108},{"text":"Just that from the employer?","start":209.19499,"end":210.415,"sentiment":"neutral","sentiment_score":-0.02747434563934803},{"text":"Not at the moment.","start":212.715,"end":213.675,"sentiment":"neutral","sentiment_score":-0.18828505650162697}],"sentiment":"neutral","sentiment_score":-0.04239739619550251,"num_words":21,"start":204.7,"end":213.675},{"sentences":[{"text":"No.","start":213.675,"end":213.83499,"sentiment":"neutral","sentiment_score":-0.18382801115512848},{"text":"That's all good.","start":213.83499,"end":214.975,"sentiment":"neutral","sentiment_score":-0.009474319716294607},{"text":"And when it comes to assets and liabilities, I'll just run through what I have here and see if any of that has changed.","start":216.555,"end":223.535,"sentiment":"neutral","sentiment_score":-0.006830794038251042},{"text":"So I have your property was last valued at about $7.50.","start":223.59,"end":227.76999,"sentiment":"neutral","sentiment_score":-0.008961993777616457},{"text":"Is that still the case?","start":228.31,"end":229.19,"sentiment":"neutral","sentiment_score":-0.011324536800384522}],"sentiment":"neutral","sentiment_score":-0.012077150972221385,"num_words":44,"start":213.675,"end":229.19},{"sentences":[{"text":"Do you know, or is that changed?","start":229.19,"end":230.65,"sentiment":"neutral","sentiment_score":-0.02685383733894144},{"text":"Mhmm.","start":234.31,"end":234.81,"sentiment":"neutral","sentiment_score":-0.003435559570789337},{"text":"And mortgage, I have about 250,000.","start":235.19,"end":238.25,"sentiment":"neutral","sentiment_score":-0.007893096500386795},{"text":"Yeah.","start":240.465,"end":240.965,"sentiment":"neutral","sentiment_score":0.000013032928109169006},{"text":"Yeah.","start":243.665,"end":244.14499,"sentiment":"neutral","sentiment_score":0.01646188274025917}],"sentiment":"neutral","sentiment_score":-0.01389350526733324,"num_words":16,"start":229.19,"end":244.14499},{"sentences":[{"text":"How what well, how much do you think?","start":244.14499,"end":246.165,"sentiment":"neutral","sentiment_score":0.01853216311428696},{"text":"$2.35?","start":248.70499,"end":249.665,"sentiment":"neutral","sentiment_score":0.020496970042586327},{"text":"Perfect.","start":249.665,"end":250.06499,"sentiment":"positive","sentiment_score":0.5543732643127441},{"text":"I will update that.","start":250.06499,"end":251.36499,"sentiment":"positive","sentiment_score":0.38867906481027603},{"text":"I also have about 25,000 for a motor vehicle, a Toyota, I believe.","start":252.34,"end":257.48,"sentiment":"neutral","sentiment_score":0.12777429417921946}],"sentiment":"neutral","sentiment_score":0.14588554158668826,"num_words":27,"start":244.14499,"end":257.48},{"sentences":[{"text":"Yep.","start":258.58,"end":258.98,"sentiment":"neutral","sentiment_score":0.0793859139084816},{"text":"You still got that one?","start":258.98,"end":260.12,"sentiment":"neutral","sentiment_score":0.07609301805496216},{"text":"Yep.","start":261.13998,"end":261.38,"sentiment":"neutral","sentiment_score":0.07269757986068726},{"text":"And you don't have anything owing on that one, do you?","start":261.38,"end":263.96,"sentiment":"neutral","sentiment_score":0.03315847587179054},{"text":"No.","start":265.06,"end":265.38,"sentiment":"neutral","sentiment_score":-0.023731615394353867}],"sentiment":"neutral","sentiment_score":0.04597685280206956,"num_words":19,"start":258.58,"end":265.38},{"sentences":[{"text":"Perfect.","start":265.38,"end":265.875,"sentiment":"neutral","sentiment_score":0.17015627026557922},{"text":"Do you have any other new assets, Matthew, we haven't gone over, like motorbikes or savings in the bank or boats or anything else?","start":266.035,"end":276.215,"sentiment":"neutral","sentiment_score":0.02714004957427581},{"text":"No?","start":278.115,"end":278.31,"sentiment":"neutral","sentiment_score":-0.13275118172168732},{"text":"Yes.","start":281.66998,"end":282.16998,"sentiment":"neutral","sentiment_score":0.04098709672689438},{"text":"I like that.","start":282.23,"end":283.21,"sentiment":"neutral","sentiment_score":0.06893132130304973}],"sentiment":"neutral","sentiment_score":0.031218244632085165,"num_words":30,"start":265.38,"end":283.21},{"sentences":[{"text":"And any other liabilities, like any personal loans or credit card or sick pay or anything?","start":284.55,"end":290.33,"sentiment":"neutral","sentiment_score":-0.041915499488823116},{"text":"No.","start":291.83,"end":292.185,"sentiment":"neutral","sentiment_score":-0.232929989695549},{"text":"Yeah.","start":294.905,"end":295.305,"sentiment":"neutral","sentiment_score":-0.013279492035508156},{"text":"Okay.","start":295.305,"end":295.54498,"sentiment":"neutral","sentiment_score":0.12250615656375884},{"text":"Beautiful.","start":295.54498,"end":296.025,"sentiment":"positive","sentiment_score":0.46448570489883423}],"sentiment":"neutral","sentiment_score":-0.016493280604481696,"num_words":20,"start":284.55,"end":296.025},{"sentences":[{"text":"That's good.","start":296.025,"end":296.76498,"sentiment":"positive","sentiment_score":0.4804381877183914},{"text":"Now when it comes to health and lifestyle, have you had any significant health issues or injuries or any changes we need to know about?","start":298.185,"end":306.35,"sentiment":"neutral","sentiment_score":-0.029255137592554093},{"text":"No.","start":307.69,"end":308.19,"sentiment":"neutral","sentiment_score":-0.1751376986503601},{"text":"That's not perfect.","start":308.41,"end":310.91,"sentiment":"negative","sentiment_score":-0.33973707258701324},{"text":"And I have you down here as a nonsmoker.","start":311.05002,"end":312.99,"sentiment":"neutral","sentiment_score":-0.1651763485537635}],"sentiment":"neutral","sentiment_score":-0.06128595294430852,"num_words":40,"start":296.025,"end":312.99},{"sentences":[{"text":"Is that the case?","start":313.21,"end":314.11002,"sentiment":"neutral","sentiment_score":-0.09310380555689335},{"text":"Yep.","start":315.37,"end":315.85,"sentiment":"neutral","sentiment_score":0.04649171233177185},{"text":"Perfect.","start":315.85,"end":316.35,"sentiment":"neutral","sentiment_score":0.1962026059627533},{"text":"And when it comes to estate planning, do you know if you have a will or power of attorney or anything like that in place?","start":316.73,"end":324.38498,"sentiment":"neutral","sentiment_score":0.006586469560861587},{"text":"No.","start":328.685,"end":329.16498,"sentiment":"neutral","sentiment_score":-0.12664467096328735}],"sentiment":"neutral","sentiment_score":-0.0028657448710873723,"num_words":32,"start":313.21,"end":329.16498},{"sentences":[{"text":"That's no.","start":329.16498,"end":331.56497,"sentiment":"neutral","sentiment_score":-0.1461983434855938},{"text":"That's okay.","start":331.56497,"end":333.6,"sentiment":"neutral","sentiment_score":-0.0919443666934967},{"text":"Now when it comes to your super and your insurances, I can see here that we currently don't have a nomination on file for you.","start":333.66,"end":343.12,"sentiment":"neutral","sentiment_score":-0.10437735229730606},{"text":"Do you remember receiving those documents in the post by any chance?","start":343.58,"end":347.845,"sentiment":"neutral","sentiment_score":-0.08645391215880711},{"text":"Yes.","start":357.185,"end":357.685,"sentiment":"neutral","sentiment_score":-0.1317199170589447}],"sentiment":"neutral","sentiment_score":-0.10130681168465387,"num_words":42,"start":329.16498,"end":357.685},{"sentences":[{"text":"Probably appreciated.","start":357.905,"end":358.885,"sentiment":"negative","sentiment_score":-0.33442868292331696},{"text":"No.","start":360.57,"end":360.97,"sentiment":"neutral","sentiment_score":-0.13747502863407135},{"text":"We would appreciate that.","start":360.97,"end":362.43,"sentiment":"neutral","sentiment_score":-0.038704704493284225},{"text":"Do you do you have access to a printer, or do you prefer things to be posted out to you?","start":364.25,"end":371.71,"sentiment":"neutral","sentiment_score":-0.025358161330223082},{"text":"Yes?","start":377.555,"end":378.055,"sentiment":"neutral","sentiment_score":0.06326290965080261}],"sentiment":"neutral","sentiment_score":-0.050180411764553616,"num_words":28,"start":357.905,"end":378.055},{"sentences":[{"text":"Okay.","start":378.675,"end":379.155,"sentiment":"positive","sentiment_score":0.5901207327842712},{"text":"Beautiful.","start":379.155,"end":379.655,"sentiment":"positive","sentiment_score":0.8082705140113831},{"text":"Well, I'll get the team to do that.","start":379.715,"end":381.655,"sentiment":"positive","sentiment_score":0.561127420514822},{"text":"Then that way, you do have a copy in your inbox as well if anything were to happen.","start":382.195,"end":387.59,"sentiment":"positive","sentiment_score":0.44947101838058895},{"text":"Do you have any questions in completing the forms or who you might want to nominate or anything like that?","start":388.21,"end":394.31,"sentiment":"neutral","sentiment_score":0.08887208290398121}],"sentiment":"neutral","sentiment_score":0.32823605416342616,"num_words":48,"start":378.675,"end":394.31},{"sentences":[{"text":"No.","start":396.05,"end":396.55,"sentiment":"negative","sentiment_score":-0.33540356159210205},{"text":"Yes.","start":399.01,"end":399.51,"sentiment":"neutral","sentiment_score":0.18676531314849856},{"text":"Yes.","start":401.88998,"end":402.38998,"sentiment":"positive","sentiment_score":0.3961793184280395},{"text":"Yes.","start":403.79498,"end":404.275,"sentiment":"positive","sentiment_score":0.35103803873062134},{"text":"And it will be because it's your spouse, it will if anything were to happen, it will go to her tax free as well, which is good.","start":404.275,"end":411.57498,"sentiment":"positive","sentiment_score":0.5379445729432283}],"sentiment":"positive","sentiment_score":0.48784137348974904,"num_words":31,"start":396.05,"end":411.57498},{"sentences":[{"text":"So I will get the team to email that out to you.","start":412.435,"end":416.055,"sentiment":"positive","sentiment_score":0.34345420946677524},{"text":"Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same?","start":416.435,"end":425.68,"sentiment":"neutral","sentiment_score":0.1977700650309905},{"text":"Has anything changed, or what's kind of everything sitting at?","start":425.68,"end":429.94,"sentiment":"neutral","sentiment_score":0.024122283142060042},{"text":"So when we spoke last time, your main focus was to save up and do some traveling overseas, potentially Europe or America.","start":430.16,"end":439.895,"sentiment":"neutral","sentiment_score":0.03461827464740385},{"text":"Did you guys end up going on holiday, or is that still kind of the plan that you guys are working towards?","start":440.435,"end":448.71002,"sentiment":"neutral","sentiment_score":-0.006991458294743841}],"sentiment":"neutral","sentiment_score":0.12079519848561003,"num_words":105,"start":412.435,"end":448.71002},{"sentences":[{"text":"Mhmm.","start":449.09003,"end":449.59003,"sentiment":"neutral","sentiment_score":-0.04652244970202446},{"text":"Okay.","start":452.13,"end":452.63,"sentiment":"neutral","sentiment_score":-0.06916842609643936},{"text":"Yeah.","start":456.21002,"end":456.71002,"sentiment":"neutral","sentiment_score":-0.04860395938158035},{"text":"Yeah.","start":462.225,"end":462.725,"sentiment":"neutral","sentiment_score":-0.0467347726225853},{"text":"Okay.","start":462.945,"end":463.445,"sentiment":"neutral","sentiment_score":-0.03951243683695793}],"sentiment":"neutral","sentiment_score":-0.05010840892791748,"num_words":5,"start":449.09003,"end":463.445},{"sentences":[{"text":"Yep.","start":465.905,"end":466.405,"sentiment":"neutral","sentiment_score":-0.002864990383386612},{"text":"Okay.","start":468.385,"end":468.885,"sentiment":"neutral","sentiment_score":0.025033075362443924},{"text":"Okay.","start":474.75,"end":475.25,"sentiment":"neutral","sentiment_score":0.09026437997817992},{"text":"Yes.","start":479.47,"end":479.97,"sentiment":"neutral","sentiment_score":0.095380961894989},{"text":"Yep.","start":484.27,"end":484.66998,"sentiment":"neutral","sentiment_score":0.08255290985107422}],"sentiment":"neutral","sentiment_score":0.058073267340660095,"num_words":5,"start":465.905,"end":484.66998},{"sentences":[{"text":"Yep.","start":484.66998,"end":484.965,"sentiment":"neutral","sentiment_score":-0.01555359736084938},{"text":"Forward.","start":489.125,"end":489.625,"sentiment":"neutral","sentiment_score":0.0663052350282669},{"text":"Yeah.","start":490.645,"end":491.145,"sentiment":"neutral","sentiment_score":0.08957467973232269},{"text":"Yep.","start":492.245,"end":492.725,"sentiment":"neutral","sentiment_score":0.15416720509529114},{"text":"Well, I hope she's okay.","start":492.725,"end":494.26498,"sentiment":"neutral","sentiment_score":0.2579981595277786}],"sentiment":"neutral","sentiment_score":0.17605381334821382,"num_words":9,"start":484.66998,"end":494.26498},{"sentences":[{"text":"Do you guys have, like, a a budget in place?","start":496.725,"end":500.085,"sentiment":"neutral","sentiment_score":0.08090603016316891},{"text":"Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income on work cover.","start":500.085,"end":509.2,"sentiment":"neutral","sentiment_score":-0.03270973384912525},{"text":"Yep.","start":512.3,"end":512.8,"sentiment":"neutral","sentiment_score":0.03286793455481529},{"text":"Okay.","start":515.98,"end":516.165,"sentiment":"neutral","sentiment_score":0.03191801905632019},{"text":"Okay.","start":516.725,"end":517.225,"sentiment":"neutral","sentiment_score":0.029201263561844822}],"sentiment":"neutral","sentiment_score":-0.00031280558465457555,"num_words":41,"start":496.725,"end":517.225},{"sentences":[{"text":"Okay.","start":521.925,"end":522.165,"sentiment":"neutral","sentiment_score":0.03343565762042999},{"text":"Okay.","start":522.165,"end":522.665,"sentiment":"neutral","sentiment_score":0.020873049274086952},{"text":"Yes.","start":523.685,"end":524.185,"sentiment":"neutral","sentiment_score":0.03633300960063934},{"text":"Yes.","start":525.20496,"end":525.70496,"sentiment":"neutral","sentiment_score":0.08631958812475204},{"text":"Okay.","start":526.005,"end":526.485,"sentiment":"neutral","sentiment_score":0.1835818886756897}],"sentiment":"neutral","sentiment_score":0.07210863865911961,"num_words":5,"start":521.925,"end":526.485},{"sentences":[{"text":"Well well, that's good.","start":526.485,"end":527.52496,"sentiment":"positive","sentiment_score":0.46085885167121887},{"text":"So if, hopefully, everything, you know, do does get better and she will get that more payout or can go back to work depending on what is happening.","start":527.52496,"end":538.4,"sentiment":"neutral","sentiment_score":0.28692586560334477},{"text":"But if some reason you are really struggling financially and you do need any guidance on on budget or anything if it's really getting to that point.","start":538.4,"end":549.28503,"sentiment":"neutral","sentiment_score":-0.20552832191741024},{"text":"Hopefully, it doesn't.","start":549.28503,"end":550.18506,"sentiment":"neutral","sentiment_score":-0.1789784381786982},{"text":"But just let us know because we can always assist in that way if if need be.","start":550.645,"end":554.965,"sentiment":"neutral","sentiment_score":0.1375739800141138}],"sentiment":"neutral","sentiment_score":0.07759388984192776,"num_words":79,"start":526.485,"end":554.965},{"sentences":[{"text":"Okay?","start":554.965,"end":555.465,"sentiment":"neutral","sentiment_score":0.06377288699150085},{"text":"Yep.","start":556.645,"end":557.04504,"sentiment":"neutral","sentiment_score":0.1678786277770996},{"text":"Okay.","start":557.04504,"end":557.445,"sentiment":"neutral","sentiment_score":0.2538760006427765},{"text":"Perfect.","start":557.445,"end":557.945,"sentiment":"neutral","sentiment_score":0.3177008628845215},{"text":"Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65.","start":558.885,"end":567.11,"sentiment":"neutral","sentiment_score":0.043997795693576335}],"sentiment":"neutral","sentiment_score":0.07013267884030938,"num_words":24,"start":554.965,"end":567.11},{"sentences":[{"text":"Is that still kind of the plan, do you think?","start":567.11,"end":569.76996,"sentiment":"neutral","sentiment_score":0.044128064252436164},{"text":"Yep.","start":570.94995,"end":571.44995,"sentiment":"neutral","sentiment_score":0.034466709941625595},{"text":"You technically could, but you can't access super until '60 anyway, at least with the current legislation.","start":574.79,"end":579.61505,"sentiment":"neutral","sentiment_score":-0.02499720561044181},{"text":"And I do have here an ideal income from super.","start":581.515,"end":585.35504,"sentiment":"neutral","sentiment_score":0.17843030542135238},{"text":"So when you do draw an income from super and retire, I have here between 800 and 1,000.","start":585.35504,"end":591.33,"sentiment":"neutral","sentiment_score":0.1423781919810507}],"sentiment":"neutral","sentiment_score":0.0785340244100163,"num_words":56,"start":567.11,"end":591.33},{"sentences":[{"text":"Last time, you said would probably be sufficient to meet living expenses and kind of funds retirement.","start":592.13,"end":599.03,"sentiment":"neutral","sentiment_score":0.13380678699297063},{"text":"Do you still think that's achievable?","start":599.33,"end":601.51,"sentiment":"neutral","sentiment_score":0.10831262916326523},{"text":"Do you think you need a little bit more?","start":601.57,"end":603.33,"sentiment":"neutral","sentiment_score":-0.016675322833988402},{"text":"Or yep.","start":603.33,"end":608.065,"sentiment":"neutral","sentiment_score":0.0002972455695271492},{"text":"Yes.","start":612.125,"end":612.445,"sentiment":"neutral","sentiment_score":0.08538500964641571}],"sentiment":"neutral","sentiment_score":0.08172836426113333,"num_words":35,"start":592.13,"end":612.445},{"sentences":[{"text":"Yes.","start":612.445,"end":612.945,"sentiment":"neutral","sentiment_score":0.1630903333425522},{"text":"And it is a pretty good middle ground.","start":614.685,"end":616.445,"sentiment":"positive","sentiment_score":0.4482819177210331},{"text":"Most people say the same about a thousand or so if you do have a partner because then you you might most people's focus is, well, hopefully, I don't have a mortgage or a very small mortgage, so I don't have too many, like, expenses in that way.","start":616.445,"end":631.12,"sentiment":"neutral","sentiment_score":0.08811505647220959},{"text":"And then it's just to cover, you know, living expenses and traveling, and stuff.","start":631.40497,"end":636.525,"sentiment":"neutral","sentiment_score":-0.02029187192342111},{"text":"So most people sit around that a thousand dollars.","start":636.525,"end":639.245,"sentiment":"neutral","sentiment_score":0.013228540619214376}],"sentiment":"neutral","sentiment_score":0.09767298805527388,"num_words":80,"start":612.445,"end":639.245},{"sentences":[{"text":"So it's pretty pretty standard what most people would say.","start":639.245,"end":641.885,"sentiment":"neutral","sentiment_score":0.06388802193105221},{"text":"Again, obviously, depending on how extravagant you want your retirement.","start":641.885,"end":644.785,"sentiment":"neutral","sentiment_score":-0.017844633758068086},{"text":"Alright.","start":647.13,"end":647.37,"sentiment":"neutral","sentiment_score":0.3250651955604553},{"text":"Beautiful.","start":647.37,"end":647.87,"sentiment":"positive","sentiment_score":0.5508416891098022},{"text":"Now when it comes through how your money is invested, I'll just kind of quickly go through just an updated risk profile questionnaire with you just to see if there is anything major that has changed in terms of how you feel about market fluctuations, if we need to make any changes to your risk profile.","start":649.05005,"end":667.48505,"sentiment":"neutral","sentiment_score":0.04956032172776759}],"sentiment":"neutral","sentiment_score":0.052714343373783126,"num_words":78,"start":639.245,"end":667.48505},{"sentences":[{"text":"Now in the last twelve months, have you bought any, like, direct shares or ever done some personal investing?","start":669.22504,"end":675.75995,"sentiment":"neutral","sentiment_score":0.019075249811928523},{"text":"Nope.","start":677.57996,"end":678.07996,"sentiment":"neutral","sentiment_score":-0.14412803947925568},{"text":"And when it comes through the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":678.38,"end":694.375,"sentiment":"neutral","sentiment_score":-0.1090016920119524},{"text":"You were somewhere in the in the mid in the middle.","start":701.5,"end":704.24,"sentiment":"neutral","sentiment_score":-0.07357552579858086},{"text":"Sorry.","start":704.46,"end":704.96,"sentiment":"neutral","sentiment_score":-0.05795681104063988}],"sentiment":"neutral","sentiment_score":-0.06957018844938527,"num_words":72,"start":669.22504,"end":704.96},{"sentences":[{"text":"You you were kind of, you know, we do have you invested in your your growth profile, which does sit somewhere in the middle in that you are still focusing on, you know, growing your super as much as possible.","start":705.26,"end":717.34503,"sentiment":"neutral","sentiment_score":0.09945062380284071},{"text":"You still have plenty of time until retirement, are comfortable seeing a bit of short term fluctuation.","start":717.805,"end":723.585,"sentiment":"neutral","sentiment_score":0.12408793586141922},{"text":"It is not your your high growth or aggressive portfolio, but also not your super defensive.","start":724.525,"end":729.89996,"sentiment":"neutral","sentiment_score":0.06758861034177244},{"text":"So it's kind of somewhere in the middle there.","start":729.89996,"end":731.82,"sentiment":"neutral","sentiment_score":0.03940452428327666},{"text":"And when we are talking, that's that sounds that it aligns with you still?","start":731.82,"end":738.64,"sentiment":"neutral","sentiment_score":0.14352021206702506}],"sentiment":"neutral","sentiment_score":0.09930063869493704,"num_words":96,"start":705.26,"end":738.64},{"sentences":[{"text":"Yep.","start":739.33997,"end":739.74,"sentiment":"neutral","sentiment_score":0.09981536865234376},{"text":"Yep.","start":739.74,"end":740.14,"sentiment":"neutral","sentiment_score":0.11457397788763046},{"text":"Okay.","start":740.14,"end":740.46,"sentiment":"neutral","sentiment_score":0.20748572051525116},{"text":"Perfect.","start":740.46,"end":740.96,"sentiment":"positive","sentiment_score":0.6753122806549072},{"text":"And, also, when we are talking about a time frame, because we also wanna make sure you have enough time in the market for those fluctuations.","start":741.26,"end":747.16504,"sentiment":"neutral","sentiment_score":0.15181009041575286}],"sentiment":"neutral","sentiment_score":0.16814165661732355,"num_words":30,"start":739.33997,"end":747.16504},{"sentences":[{"text":"In a growth portfolio, typically, we want to allow at least six years to retirement, which you do have behind you.","start":748.185,"end":755.005,"sentiment":"neutral","sentiment_score":0.11991540271611441},{"text":"So you are in a good position in that kind of growth profile, growing it, but still having a little bit of that defensive component as well.","start":755.305,"end":763.61,"sentiment":"positive","sentiment_score":0.350468255855419},{"text":"Yeah.","start":764.70996,"end":765.02997,"sentiment":"neutral","sentiment_score":0.21156355738639832},{"text":"Okay.","start":765.02997,"end":765.43,"sentiment":"positive","sentiment_score":0.3368183970451355},{"text":"Beautiful.","start":765.43,"end":765.93,"sentiment":"positive","sentiment_score":0.5948196649551392}],"sentiment":"neutral","sentiment_score":0.2573346663631645,"num_words":51,"start":748.185,"end":765.93},{"sentences":[{"text":"Now, Matthew, do you have access to your emails at the moment by any chance?","start":766.55,"end":772.60504,"sentiment":"neutral","sentiment_score":0.08486774911483129},{"text":"Yep?","start":772.60504,"end":773.085,"sentiment":"neutral","sentiment_score":0.05296027660369873},{"text":"Okay.","start":773.085,"end":773.405,"sentiment":"neutral","sentiment_score":0.09973852336406708},{"text":"So what I have done is I have just sent you an email with some documents to run through with you.","start":773.405,"end":779.185,"sentiment":"neutral","sentiment_score":0.15510992351032438},{"text":"And if you can access them, it does makes it a little bit more interactive for you as I do go through it.","start":779.805,"end":786.75,"sentiment":"neutral","sentiment_score":0.22534814800905145}],"sentiment":"neutral","sentiment_score":0.16173821040352837,"num_words":61,"start":766.55,"end":786.75},{"sentences":[{"text":"Yeah.","start":789.93,"end":790.43,"sentiment":"neutral","sentiment_score":0.02827490121126175},{"text":"Now we have also recently changed the square, so it might look a little bit different to what you are used to.","start":791.21,"end":798.355,"sentiment":"neutral","sentiment_score":0.035051826387643814},{"text":"It's kind of the same, though, where it will ask you to click on a link, and then clicking the link will allow you to open up and look at all the documents.","start":798.355,"end":805.57495,"sentiment":"neutral","sentiment_score":0.05180610445412723},{"text":"Nothing's come and not just spam either.","start":812.01996,"end":814.12,"sentiment":"neutral","sentiment_score":-0.0897877077971186},{"text":"Let me have a look.","start":817.14,"end":818.27997,"sentiment":"neutral","sentiment_score":-0.018142658099532128}],"sentiment":"neutral","sentiment_score":0.026320430641884312,"num_words":68,"start":789.93,"end":818.27997},{"sentences":[{"text":"Usually, by now, it should have come through.","start":818.33997,"end":821.48,"sentiment":"neutral","sentiment_score":0.006615129124838859},{"text":"Now I can try to resend it.","start":822.1,"end":823.88,"sentiment":"neutral","sentiment_score":-0.0213502368756703},{"text":"I can just send.","start":828.685,"end":833.56494,"sentiment":"neutral","sentiment_score":-0.0411318177357316},{"text":"Yep.","start":833.56494,"end":833.88495,"sentiment":"neutral","sentiment_score":0.007506800815463066},{"text":"Dot vic dot gov dot a u.","start":833.88495,"end":835.725,"sentiment":"neutral","sentiment_score":0.00021007144823670393}],"sentiment":"neutral","sentiment_score":-0.009336318337806949,"num_words":27,"start":818.33997,"end":835.725},{"sentences":[{"text":"Yep.","start":835.725,"end":836.225,"sentiment":"neutral","sentiment_score":0.05519559606909752},{"text":"Alright.","start":837.00494,"end":837.40497,"sentiment":"neutral","sentiment_score":0.09361709654331209},{"text":"Let me see if I can just resend this quickly to you.","start":837.40497,"end":849.29004,"sentiment":"neutral","sentiment_score":0.10654908108214538},{"text":"Alright.","start":849.29004,"end":849.79004,"sentiment":"neutral","sentiment_score":0.05821776390075683},{"text":"So it says it's been sent.","start":849.85004,"end":854.83,"sentiment":"neutral","sentiment_score":0.024912283134957153}],"sentiment":"neutral","sentiment_score":0.07786157753850732,"num_words":21,"start":835.725,"end":854.83},{"sentences":[{"text":"Let me just triple check here.","start":854.89,"end":856.545,"sentiment":"neutral","sentiment_score":0.02216647130747636},{"text":"Alright.","start":863.985,"end":864.225,"sentiment":"neutral","sentiment_score":0.12689289450645447},{"text":"I'll just try resending it.","start":864.225,"end":866.165,"sentiment":"neutral","sentiment_score":0.08008243069052697},{"text":"While I wait for that to come through, are you happy for me to kind of go through some of the documents?","start":866.46497,"end":871.7,"sentiment":"neutral","sentiment_score":0.09327259676700289},{"text":"Oh, beautiful.","start":874.8,"end":875.7,"sentiment":"positive","sentiment_score":0.5253250300884247}],"sentiment":"neutral","sentiment_score":0.10452641846819057,"num_words":36,"start":854.89,"end":875.7},{"sentences":[{"text":"You might get two or three copies because I resent it a couple of times.","start":877.04,"end":880.82,"sentiment":"neutral","sentiment_score":0.09129965913792451},{"text":"It's all the same, though.","start":881.44,"end":882.705,"sentiment":"neutral","sentiment_score":0.2712778076529503},{"text":"You got it?","start":886.145,"end":886.705,"sentiment":"neutral","sentiment_score":0.04958914096156756},{"text":"Alright.","start":886.705,"end":886.945,"sentiment":"neutral","sentiment_score":0.217183455824852},{"text":"Perfect.","start":886.945,"end":887.425,"sentiment":"positive","sentiment_score":0.43353700637817383}],"sentiment":"neutral","sentiment_score":0.1410148724168539,"num_words":25,"start":877.04,"end":887.425},{"sentences":[{"text":"Now the first document that you should see should be the one that says summary of superannuation and insurances.","start":887.425,"end":892.645,"sentiment":"neutral","sentiment_score":0.1350781270547917},{"text":"Yep.","start":895.265,"end":895.765,"sentiment":"neutral","sentiment_score":0.06386494636535645},{"text":"Can you see that okay?","start":896.22504,"end":898.63,"sentiment":"neutral","sentiment_score":0.07396956086158753},{"text":"Yep.","start":899.33,"end":899.81,"sentiment":"neutral","sentiment_score":0.1353185772895813},{"text":"Perfect.","start":899.81,"end":900.31,"sentiment":"neutral","sentiment_score":0.3144708573818207}],"sentiment":"neutral","sentiment_score":0.12777728145873105,"num_words":27,"start":887.425,"end":900.31},{"sentences":[{"text":"I did have a quick look at your super balance as of last under review when we spoke as well.","start":900.61005,"end":906.39,"sentiment":"neutral","sentiment_score":0.1259810719639063},{"text":"And at that time, the super balance was at 260,385.","start":906.61005,"end":913.245,"sentiment":"neutral","sentiment_score":0.056905904039740565},{"text":"And as you can see now, it's up at $301,222.21, and you have your super with hub twenty four.","start":913.945,"end":923.16504,"sentiment":"neutral","sentiment_score":0.080979795832383},{"text":"Now underneath that, you then have your insurance, which is with Ascender.","start":924.025,"end":930.25,"sentiment":"neutral","sentiment_score":0.04777610364059607},{"text":"It used to be MLC.","start":930.25,"end":931.47003,"sentiment":"neutral","sentiment_score":0.019216930121183397}],"sentiment":"neutral","sentiment_score":0.08025294689066483,"num_words":66,"start":900.61005,"end":931.47003},{"sentences":[{"text":"Just change over to Ascender.","start":931.61005,"end":933.39,"sentiment":"neutral","sentiment_score":0.01646297350525856},{"text":"Your policy stays the same, though.","start":933.45,"end":935.47003,"sentiment":"neutral","sentiment_score":0.06054531720777353},{"text":"And you do have your life and total permanent disability.","start":936.01,"end":939.87,"sentiment":"neutral","sentiment_score":0.046657349169254306},{"text":"So as you can see here, it's 800And51500And50.","start":940.09,"end":945.245,"sentiment":"neutral","sentiment_score":0.07423648610711098},{"text":"Now when it comes to your life and to TPD, are you still happy with that level of cover you are covered for?","start":945.945,"end":952.28503,"sentiment":"neutral","sentiment_score":0.05733272967779118}],"sentiment":"neutral","sentiment_score":0.0543212487290685,"num_words":52,"start":931.61005,"end":952.28503},{"sentences":[{"text":"Do you wanna make any changes, or what are your thoughts on that?","start":952.505,"end":956.08997,"sentiment":"neutral","sentiment_score":0.02883361681149556},{"text":"Yep.","start":959.51,"end":960.01,"sentiment":"neutral","sentiment_score":0.10968285799026488},{"text":"Yep.","start":960.14996,"end":960.64996,"sentiment":"neutral","sentiment_score":0.15005333721637726},{"text":"Perfect.","start":960.70996,"end":961.20996,"sentiment":"neutral","sentiment_score":0.2908846139907837},{"text":"And when it comes to the income protection as well, you do have that, which will pay you a monthly amount of 6,152 if something were to happen, which does align pretty much with your income we have here.","start":961.82996,"end":977.825,"sentiment":"neutral","sentiment_score":0.13682159456687096}],"sentiment":"neutral","sentiment_score":0.11384545483372428,"num_words":55,"start":952.505,"end":977.825},{"sentences":[{"text":"So if your income is at a 103,000, 70% of that on a monthly basis is about 6,008.","start":977.825,"end":986.64,"sentiment":"neutral","sentiment_score":0.11609246499008602},{"text":"So pretty close to what you are on there for your income protection, which is great.","start":986.64,"end":991.78,"sentiment":"neutral","sentiment_score":0.22229664539918303},{"text":"You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate.","start":992.4,"end":999.575,"sentiment":"neutral","sentiment_score":0.2518401138484478},{"text":"So all three is $3,712.","start":999.715,"end":1003.73505,"sentiment":"neutral","sentiment_score":0.1185049831867218},{"text":"And you're still happy with your income protection as well?","start":1005.075,"end":1007.73505,"sentiment":"positive","sentiment_score":0.4783953487873077}],"sentiment":"neutral","sentiment_score":0.2327491503910742,"num_words":69,"start":977.825,"end":1007.73505},{"sentences":[{"text":"Yep.","start":1008.91504,"end":1009.23505,"sentiment":"neutral","sentiment_score":0.21942901611328125},{"text":"Yep.","start":1009.23505,"end":1009.55505,"sentiment":"positive","sentiment_score":0.394799292087555},{"text":"Beautiful.","start":1009.55505,"end":1010.05505,"sentiment":"positive","sentiment_score":0.7342268228530884},{"text":"Now if you can go to the next document for me, it should be your performance with IRR with hub twenty four.","start":1010.73,"end":1018.35,"sentiment":"neutral","sentiment_score":0.2545922479846261},{"text":"Yep.","start":1019.69,"end":1020.08997,"sentiment":"neutral","sentiment_score":0.18453948199748993}],"sentiment":"neutral","sentiment_score":0.27438554110435337,"num_words":26,"start":1008.91504,"end":1020.08997},{"sentences":[{"text":"Perfect.","start":1020.08997,"end":1020.58997,"sentiment":"positive","sentiment_score":0.488136351108551},{"text":"Now that one here, it shows you your portfolio over the last twelve months.","start":1021.05,"end":1025.865,"sentiment":"neutral","sentiment_score":0.20252341777086258},{"text":"So it shows you from the August 15 last year through the August 14 this year.","start":1025.865,"end":1032.365,"sentiment":"neutral","sentiment_score":0.16549439914524555},{"text":"And it does give you a bit of an overview of your all individual investment and your performance of your portfolio.","start":1032.825,"end":1038.47,"sentiment":"neutral","sentiment_score":0.256936096009754},{"text":"Now the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well.","start":1039.33,"end":1050.3099,"sentiment":"neutral","sentiment_score":-0.03926261845481349}],"sentiment":"neutral","sentiment_score":0.09482426916598342,"num_words":100,"start":1020.08997,"end":1050.3099},{"sentences":[{"text":"So we have seen quite a bit of fluctuation.","start":1050.585,"end":1052.6849,"sentiment":"neutral","sentiment_score":-0.03140131715271208},{"text":"Now in saying that, though, overall, your portfolio has still done pretty well.","start":1053.385,"end":1057.945,"sentiment":"neutral","sentiment_score":0.2988524597424727},{"text":"So after fees, it's up at 7.37%, which is about 26,024, and that is just from your investment, so not contributions.","start":1057.945,"end":1071.11,"sentiment":"neutral","sentiment_score":0.10148543527438528},{"text":"Yep.","start":1072.85,"end":1073.33,"sentiment":"neutral","sentiment_score":0.1780679076910019},{"text":"Perfect.","start":1073.33,"end":1073.83,"sentiment":"positive","sentiment_score":0.3904069066047669}],"sentiment":"neutral","sentiment_score":0.14004753505190212,"num_words":45,"start":1050.585,"end":1073.83},{"sentences":[{"text":"Now with your investments, though, so if you are on the first page there for me, can you see the second column to the right where it says internal rate of return?","start":1074.0499,"end":1084.045,"sentiment":"neutral","sentiment_score":0.05853604956064373},{"text":"Yep.","start":1085.705,"end":1086.105,"sentiment":"neutral","sentiment_score":0.09253817051649094},{"text":"Perfect.","start":1086.105,"end":1086.585,"sentiment":"neutral","sentiment_score":0.2865270972251892},{"text":"So that breaks down the individual investments and how they have performed.","start":1086.585,"end":1091.165,"sentiment":"neutral","sentiment_score":0.14751997776329517},{"text":"Now the top one here, the Benelung Australian equity, if you are happy for me to do so, I would like to do a little bit more research on this investment and see if we wanna potentially swap it out for you.","start":1091.705,"end":1104.5,"sentiment":"neutral","sentiment_score":0.11340327800384589}],"sentiment":"neutral","sentiment_score":0.09983404844321987,"num_words":88,"start":1074.0499,"end":1104.5},{"sentences":[{"text":"Because you can see that this one here is in bracket, which means that it is underperforming a little bit at the moment.","start":1105.12,"end":1111.455,"sentiment":"neutral","sentiment_score":-0.12525563168784845},{"text":"So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments.","start":1112.5549,"end":1122.58,"sentiment":"positive","sentiment_score":0.3488026589155197},{"text":"And if there is anything that is underperforming or we don't foresee coming back around or there's potentially better options out there for you, then we wanna obviously make sure we we do some research and potentially look at changing things for you if it's going to be the best for Does that make sense?","start":1122.58,"end":1138.475,"sentiment":"neutral","sentiment_score":-0.07324243601072919},{"text":"Yeah.","start":1139.415,"end":1139.8151,"sentiment":"neutral","sentiment_score":0.26201382279396057},{"text":"Beautiful.","start":1139.8151,"end":1140.295,"sentiment":"positive","sentiment_score":0.6275589466094971}],"sentiment":"neutral","sentiment_score":0.040403991158712994,"num_words":110,"start":1105.12,"end":1140.295},{"sentences":[{"text":"Are you happy for me to go and do that reset for you?","start":1140.295,"end":1143.035,"sentiment":"neutral","sentiment_score":0.3277892986169228},{"text":"Yep.","start":1144.135,"end":1144.455,"sentiment":"neutral","sentiment_score":0.08186636120080948},{"text":"Yep.","start":1144.455,"end":1144.775,"sentiment":"neutral","sentiment_score":0.1385422646999359},{"text":"Great.","start":1144.775,"end":1145.275,"sentiment":"positive","sentiment_score":0.3842317461967468},{"text":"Any questions so far?","start":1146.295,"end":1147.575,"sentiment":"neutral","sentiment_score":0.17240064963698387}],"sentiment":"neutral","sentiment_score":0.2777751926332712,"num_words":20,"start":1140.295,"end":1147.575},{"sentences":[{"text":"Oh, that's pretty straightforward.","start":1147.575,"end":1149.035,"sentiment":"neutral","sentiment_score":0.14991897717118263},{"text":"No.","start":1151.1,"end":1151.58,"sentiment":"neutral","sentiment_score":-0.012540196999907494},{"text":"Yep.","start":1151.58,"end":1151.9,"sentiment":"neutral","sentiment_score":0.1124892756342888},{"text":"That's all good.","start":1151.9,"end":1152.96,"sentiment":"positive","sentiment_score":0.3543088138103485},{"text":"Yep.","start":1153.02,"end":1153.5,"sentiment":"neutral","sentiment_score":0.19166100025177}],"sentiment":"neutral","sentiment_score":0.19542124290019275,"num_words":10,"start":1147.575,"end":1153.5},{"sentences":[{"text":"Perfect.","start":1153.5,"end":1154.0,"sentiment":"positive","sentiment_score":0.3529854416847229},{"text":"Now if you can click on the next document for me, it should be your Vanguard index chart, I believe.","start":1154.2999,"end":1160.08,"sentiment":"neutral","sentiment_score":0.10580735690891743},{"text":"Yep.","start":1162.94,"end":1163.34,"sentiment":"neutral","sentiment_score":0.06573166698217392},{"text":"Perfect.","start":1163.34,"end":1163.74,"sentiment":"neutral","sentiment_score":0.14323343336582184},{"text":"Do you remember going through this last year at all?","start":1163.74,"end":1169.315,"sentiment":"neutral","sentiment_score":0.023520535323768854}],"sentiment":"neutral","sentiment_score":0.08828191010450775,"num_words":33,"start":1153.5,"end":1169.315},{"sentences":[{"text":"Vaguely?","start":1170.4949,"end":1170.9949,"sentiment":"neutral","sentiment_score":0.01277242973446846},{"text":"No.","start":1172.1749,"end":1172.335,"sentiment":"neutral","sentiment_score":0.013549307361245155},{"text":"That's okay.","start":1172.335,"end":1172.975,"sentiment":"neutral","sentiment_score":0.07955143600702286},{"text":"So Vanguard does release one every year, which is great.","start":1172.975,"end":1176.015,"sentiment":"neutral","sentiment_score":0.30523905605077745},{"text":"The next one is due to come out any day now.","start":1176.015,"end":1178.67,"sentiment":"neutral","sentiment_score":0.10834544490684163}],"sentiment":"neutral","sentiment_score":0.17718460254371166,"num_words":25,"start":1170.4949,"end":1178.67},{"sentences":[{"text":"So at the end of its financial year, they do a bit of an updated version.","start":1178.67,"end":1182.05,"sentiment":"neutral","sentiment_score":0.07698878552764654},{"text":"Essentially, it is a good visual representation of what we are talking about when we're talking about the market.","start":1182.83,"end":1188.85,"sentiment":"neutral","sentiment_score":0.11522695657454039},{"text":"It shows you kind of results from 1995 through to 2025, and it shows you all the ups and downs of the market.","start":1189.71,"end":1198.855,"sentiment":"neutral","sentiment_score":0.0853241751699344},{"text":"You can basically see that over the long term, market always goes up.","start":1199.475,"end":1203.4149,"sentiment":"neutral","sentiment_score":0.04381933607734167},{"text":"For short term, you will have some ups and downs and market fluctuations.","start":1203.72,"end":1207.1799,"sentiment":"neutral","sentiment_score":0.022792854991096716}],"sentiment":"neutral","sentiment_score":0.07439937209710479,"num_words":84,"start":1178.67,"end":1207.1799},{"sentences":[{"text":"Now it also breaks down the different asset classes on the right.","start":1209.16,"end":1213.02,"sentiment":"neutral","sentiment_score":0.0662141926586628},{"text":"So when we are then referring back to that growth portfolio for you, we typically see about 80% in a combination of your top four.","start":1213.48,"end":1223.0549,"sentiment":"neutral","sentiment_score":0.0636365108191967},{"text":"So that is your US shares, which you can see is, like, your light green, your Australian shares, which is, like, your dark green, international shares, which is, like, the yellow line, and then the property, which is, like, that maroon color.","start":1223.0549,"end":1236.7899,"sentiment":"neutral","sentiment_score":0.061931388630043896},{"text":"So these are the ones you can see, obviously, grow the most, but they also fluctuate the most.","start":1237.4099,"end":1241.9099,"sentiment":"neutral","sentiment_score":0.04980242593834797},{"text":"And that's where that time frame comes into play, like I mentioned earlier as well, for for retirement.","start":1242.13,"end":1247.11,"sentiment":"neutral","sentiment_score":0.06372488745384747}],"sentiment":"neutral","sentiment_score":0.061131243877436806,"num_words":115,"start":1209.16,"end":1247.11},{"sentences":[{"text":"And then you do have about 20% in defensive.","start":1248.115,"end":1250.695,"sentiment":"neutral","sentiment_score":0.07311468488640255},{"text":"So, like, your bottom one's here, which you can see a little bit more stable to kind of limit those fluctuations a little bit, but they don't grow as much either.","start":1251.075,"end":1258.9149,"sentiment":"neutral","sentiment_score":0.05813368545064042},{"text":"So we want a bit of a balance between the two.","start":1258.9149,"end":1261.235,"sentiment":"neutral","sentiment_score":0.040158047933470116},{"text":"Does that make sense?","start":1261.235,"end":1263.45,"sentiment":"neutral","sentiment_score":0.08887588605284691},{"text":"Yep.","start":1263.45,"end":1263.95,"sentiment":"neutral","sentiment_score":0.192314013838768}],"sentiment":"neutral","sentiment_score":0.061602366040460765,"num_words":56,"start":1248.115,"end":1263.95},{"sentences":[{"text":"Beautiful.","start":1264.09,"end":1264.59,"sentiment":"positive","sentiment_score":0.5411754250526428},{"text":"Now the next document should just be your certificate of currency for your, Ascender, MLC insurances.","start":1264.81,"end":1272.27,"sentiment":"neutral","sentiment_score":0.1371237407438457},{"text":"Just a little bit more information that basically lets you know that's all paid and up to date for you.","start":1273.05,"end":1279.145,"sentiment":"neutral","sentiment_score":0.1522142540663481},{"text":"Yep.","start":1279.145,"end":1279.645,"sentiment":"neutral","sentiment_score":0.07790966331958771},{"text":"Now the next document should be your Oakview services guide.","start":1280.025,"end":1284.4451,"sentiment":"neutral","sentiment_score":0.06370999701321126}],"sentiment":"neutral","sentiment_score":0.1353010414944341,"num_words":48,"start":1264.09,"end":1284.4451},{"sentences":[{"text":"Yep.","start":1285.865,"end":1286.265,"sentiment":"neutral","sentiment_score":0.13696357607841492},{"text":"Perfect.","start":1286.265,"end":1286.765,"sentiment":"positive","sentiment_score":0.3765508234500885},{"text":"Again, you probably have seen this a couple of times.","start":1287.0651,"end":1290.68,"sentiment":"neutral","sentiment_score":0.17566271126270294},{"text":"It is one of those compliance documents.","start":1290.68,"end":1293.26,"sentiment":"neutral","sentiment_score":0.19585655416761125},{"text":"Gives you all the important information in regards to us here at Oakview.","start":1294.36,"end":1299.5,"sentiment":"neutral","sentiment_score":0.22274248531231514}],"sentiment":"neutral","sentiment_score":0.2042746781371534,"num_words":32,"start":1285.865,"end":1299.5},{"sentences":[{"text":"Gives you information about the team or directors and our advisers.","start":1299.56,"end":1303.1,"sentiment":"neutral","sentiment_score":0.14983769167553296},{"text":"If you do wanna scroll down through page 10, you can actually see a photo of myself, and sometimes it's nice to put a face to the voice.","start":1303.875,"end":1314.135,"sentiment":"neutral","sentiment_score":0.13151189046246664},{"text":"Yep.","start":1315.875,"end":1316.375,"sentiment":"neutral","sentiment_score":0.16963961720466614},{"text":"Perfect.","start":1318.68,"end":1319.18,"sentiment":"neutral","sentiment_score":0.31265988945961},{"text":"Now I do wanna let you know we've had a bit of a bit of a change to our fee structure as well.","start":1319.8,"end":1325.02,"sentiment":"neutral","sentiment_score":0.09634002897402515}],"sentiment":"neutral","sentiment_score":0.12544793303823099,"num_words":64,"start":1299.56,"end":1325.02},{"sentences":[{"text":"So if you want to scroll down through page 17 for me, you should see was this ongoing service fee?","start":1326.04,"end":1339.0651,"sentiment":"neutral","sentiment_score":0.040246592834591866},{"text":"Can you see that?","start":1339.0651,"end":1340.045,"sentiment":"neutral","sentiment_score":0.02022087760269642},{"text":"Yep.","start":1341.545,"end":1342.025,"sentiment":"neutral","sentiment_score":0.11852972954511642},{"text":"Perfect.","start":1342.025,"end":1342.525,"sentiment":"positive","sentiment_score":0.3789271116256714},{"text":"So in your instance, it it actually turned out a little bit cheaper for you, which is great.","start":1342.825,"end":1349.62,"sentiment":"positive","sentiment_score":0.4256419969929589}],"sentiment":"neutral","sentiment_score":0.20556427623060616,"num_words":44,"start":1326.04,"end":1349.62},{"sentences":[{"text":"So you can basically see here that the old fee structure, it was at the flat 1.65 from super.","start":1349.62,"end":1357.0801,"sentiment":"neutral","sentiment_score":0.12176184709134855},{"text":"Now because of, obviously, superannuation as your balance grows and because you are in the you have money over 200,000, you can then see that it's kind of that tiered structure.","start":1358.1,"end":1370.79,"sentiment":"neutral","sentiment_score":0.13148230939142166},{"text":"So it will mean, obviously, as your super balance grow, that kind of reduces and gets a little bit cheaper as your your money grows.","start":1371.8301,"end":1380.15,"sentiment":"neutral","sentiment_score":0.16899514853954314},{"text":"Does that make sense?","start":1380.15,"end":1381.29,"sentiment":"neutral","sentiment_score":0.11702968366444111},{"text":"Yep.","start":1382.55,"end":1382.87,"sentiment":"neutral","sentiment_score":0.20595529675483704}],"sentiment":"neutral","sentiment_score":0.14110474288463593,"num_words":80,"start":1349.62,"end":1382.87},{"sentences":[{"text":"Yep.","start":1382.87,"end":1383.27,"sentiment":"positive","sentiment_score":0.3773854374885559},{"text":"Beautiful.","start":1383.27,"end":1383.77,"sentiment":"positive","sentiment_score":0.728878378868103},{"text":"So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great.","start":1383.91,"end":1392.7649,"sentiment":"positive","sentiment_score":0.4846556058217739},{"text":"But, otherwise, it kind of stays the same, meaning that there's no lock in contract at any point in time.","start":1392.7649,"end":1398.465,"sentiment":"neutral","sentiment_score":0.10833770744502544},{"text":"If you're not happy, there's no excess fees or anything like that.","start":1398.78,"end":1401.92,"sentiment":"neutral","sentiment_score":0.023977217885355156}],"sentiment":"neutral","sentiment_score":0.27961519283671227,"num_words":63,"start":1382.87,"end":1401.92},{"sentences":[{"text":"But, otherwise, yeah, there's a little change in that ongoing service fee for you.","start":1402.14,"end":1406.2201,"sentiment":"neutral","sentiment_score":0.06254129856824875},{"text":"Do you have any questions in regards to the changes there?","start":1406.2201,"end":1409.12,"sentiment":"neutral","sentiment_score":0.014057359658181667},{"text":"No.","start":1410.62,"end":1411.12,"sentiment":"neutral","sentiment_score":-0.09061545133590698},{"text":"Yep.","start":1412.4601,"end":1412.78,"sentiment":"neutral","sentiment_score":0.08246339857578278},{"text":"Okay.","start":1412.78,"end":1413.26,"sentiment":"neutral","sentiment_score":0.15205273032188416}],"sentiment":"neutral","sentiment_score":0.041932493348472884,"num_words":28,"start":1402.14,"end":1413.26},{"sentences":[{"text":"Perfect.","start":1413.26,"end":1413.76,"sentiment":"neutral","sentiment_score":0.327484667301178},{"text":"So on the next document, Matthew, it is then broken down in that ongoing service agreement.","start":1413.98,"end":1419.465,"sentiment":"neutral","sentiment_score":0.09381845267489552},{"text":"Can you see that?","start":1420.325,"end":1421.385,"sentiment":"neutral","sentiment_score":0.056241762824356556},{"text":"Yep.","start":1422.725,"end":1423.205,"sentiment":"neutral","sentiment_score":0.170946404337883},{"text":"Perfect.","start":1423.205,"end":1423.705,"sentiment":"positive","sentiment_score":0.372936338186264}],"sentiment":"neutral","sentiment_score":0.11293172625743825,"num_words":23,"start":1413.26,"end":1423.705},{"sentences":[{"text":"So this one here, if you're happy to do so, it will ask for your signature, and that is just to say that you are happy to stay on as a client.","start":1423.845,"end":1431.56,"sentiment":"neutral","sentiment_score":0.2912916583009064},{"text":"Now like I mentioned, it is not a lock in contract at any point, any way, shape, or form.","start":1432.02,"end":1437.78,"sentiment":"neutral","sentiment_score":0.09595433740239394},{"text":"But by signing this, it just allows us to manage all your investments and superinsurance and everything for you in the meantime.","start":1438.02,"end":1444.285,"sentiment":"neutral","sentiment_score":0.26275143095038156},{"text":"Yep.","start":1445.945,"end":1446.345,"sentiment":"neutral","sentiment_score":0.16628551483154297},{"text":"Perfect.","start":1446.345,"end":1446.845,"sentiment":"neutral","sentiment_score":0.30207252502441406}],"sentiment":"neutral","sentiment_score":0.23191139996051788,"num_words":75,"start":1423.845,"end":1446.845},{"sentences":[{"text":"So, yeah, if you're happy to do so, it will ask for a little signature at the bottom there.","start":1447.145,"end":1451.5651,"sentiment":"neutral","sentiment_score":0.1446485601757702},{"text":"Perfect.","start":1453.865,"end":1454.365,"sentiment":"neutral","sentiment_score":0.30378276109695435},{"text":"And that should be everything, I believe.","start":1454.505,"end":1458.7001,"sentiment":"neutral","sentiment_score":0.21183814534119197},{"text":"So when you added the signature, does it say validate?","start":1458.7001,"end":1461.2001,"sentiment":"neutral","sentiment_score":0.07618009820580482},{"text":"Yep.","start":1467.5801,"end":1468.06,"sentiment":"neutral","sentiment_score":0.14673641324043274}],"sentiment":"neutral","sentiment_score":0.143250258345353,"num_words":38,"start":1447.145,"end":1468.06},{"sentences":[{"text":"Perfect.","start":1468.06,"end":1468.56,"sentiment":"neutral","sentiment_score":0.28655436635017395},{"text":"So I'll just kinda refresh that online to see if that comes through.","start":1469.9451,"end":1474.125,"sentiment":"neutral","sentiment_score":0.12521531891364318},{"text":"While I do wait for that to come through, while I have you on the phone, I'll book in the next catch up for to go through the research on your investments if we wanted to make any changes to anything.","start":1474.905,"end":1486.6399,"sentiment":"neutral","sentiment_score":0.10644127546650607},{"text":"So, Matthew, when is typically a best time for yourself to go through that?","start":1487.1799,"end":1491.8999,"sentiment":"neutral","sentiment_score":0.06111406348645687},{"text":"And it won't take us as long as today.","start":1491.8999,"end":1494.08,"sentiment":"neutral","sentiment_score":0.04122015626894103}],"sentiment":"neutral","sentiment_score":0.09621825771263012,"num_words":78,"start":1468.06,"end":1494.08},{"sentences":[{"text":"I've yeah.","start":1504.305,"end":1506.725,"sentiment":"neutral","sentiment_score":0.01977087091654539},{"text":"So Habitat.","start":1508.305,"end":1509.365,"sentiment":"neutral","sentiment_score":0.021574880927801132},{"text":"So it probably takes me about a week or so to put together.","start":1509.505,"end":1512.88,"sentiment":"neutral","sentiment_score":0.01677586009296087},{"text":"So I could do any time from Wednesday, Thursday next week if any of those work.","start":1512.88,"end":1520.02,"sentiment":"neutral","sentiment_score":0.028582383994944394},{"text":"Okay.","start":1523.76,"end":1524.26,"sentiment":"neutral","sentiment_score":-0.01058424636721611}],"sentiment":"neutral","sentiment_score":0.021985634777914074,"num_words":34,"start":1504.305,"end":1524.26},{"sentences":[{"text":"The week after?","start":1525.84,"end":1526.8,"sentiment":"neutral","sentiment_score":-0.0016966606490314007},{"text":"Yes.","start":1526.8,"end":1527.015,"sentiment":"neutral","sentiment_score":0.05691180005669594},{"text":"Perfect.","start":1527.255,"end":1527.755,"sentiment":"neutral","sentiment_score":0.21940818428993225},{"text":"Now I do have some availability still.","start":1528.935,"end":1531.655,"sentiment":"neutral","sentiment_score":0.09747804328799248},{"text":"So do you have a preference on the Monday to Thursday?","start":1531.655,"end":1534.395,"sentiment":"neutral","sentiment_score":0.0714313147420233}],"sentiment":"neutral","sentiment_score":0.07562264206859728,"num_words":23,"start":1525.84,"end":1534.395},{"sentences":[{"text":"Which day works to be good best for you?","start":1534.455,"end":1536.635,"sentiment":"neutral","sentiment_score":0.08788809842533535},{"text":"Thursday?","start":1541.175,"end":1541.675,"sentiment":"neutral","sentiment_score":-0.006714338902384043},{"text":"Okay.","start":1543.0499,"end":1543.53,"sentiment":"neutral","sentiment_score":0.06636641174554825},{"text":"Perfect.","start":1543.53,"end":1544.01,"sentiment":"neutral","sentiment_score":0.17051106691360474},{"text":"Now let me have a look.","start":1544.01,"end":1545.39,"sentiment":"neutral","sentiment_score":0.06435992568731308}],"sentiment":"neutral","sentiment_score":0.07818419887270364,"num_words":18,"start":1534.455,"end":1545.39},{"sentences":[{"text":"I could do either 12:00 or I could do 02:00 or 04:00.","start":1547.21,"end":1558.7749,"sentiment":"neutral","sentiment_score":0.032798109110444784},{"text":"12:00?","start":1562.195,"end":1563.015,"sentiment":"neutral","sentiment_score":0.02332061156630516},{"text":"Okay.","start":1563.075,"end":1563.315,"sentiment":"neutral","sentiment_score":0.16214048862457275},{"text":"Beautiful.","start":1563.315,"end":1563.815,"sentiment":"positive","sentiment_score":0.410381555557251},{"text":"I will book that in on Thursday, September 3, which is crazy that it's September almost already at, yeah, at 12PM.","start":1564.4349,"end":1578.23,"sentiment":"neutral","sentiment_score":0.008267979714132491}],"sentiment":"neutral","sentiment_score":0.03230687608528468,"num_words":36,"start":1547.21,"end":1578.23},{"sentences":[{"text":"Now if anything does change and you can't make the appointment, just let me know, and we can always get that rescheduled for you.","start":1578.61,"end":1587.235,"sentiment":"neutral","sentiment_score":0.02590579694757859},{"text":"Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted.","start":1588.495,"end":1596.995,"sentiment":"neutral","sentiment_score":0.10243043720722199},{"text":"But do you have any other questions for me at this point before I let you go and get on with your day?","start":1597.62,"end":1602.92,"sentiment":"neutral","sentiment_score":0.06594509777167569},{"text":"No?","start":1604.9,"end":1605.4,"sentiment":"neutral","sentiment_score":-0.07073034346103668},{"text":"Yes.","start":1606.9,"end":1607.4,"sentiment":"neutral","sentiment_score":0.2641107738018036}],"sentiment":"neutral","sentiment_score":0.06611645589205059,"num_words":74,"start":1578.61,"end":1607.4},{"sentences":[{"text":"Beautiful.","start":1607.9401,"end":1608.4401,"sentiment":"positive","sentiment_score":0.6019534468650818},{"text":"Well, I will let you go, and, hopefully, the rest of your day is good and not too busy for you.","start":1609.7,"end":1615.495,"sentiment":"positive","sentiment_score":0.5629463735080901},{"text":"But if you need anything between now and Thursday, September 3, don't hesitate to give us a call or send me an email.","start":1615.875,"end":1622.515,"sentiment":"neutral","sentiment_score":0.13284634766371353},{"text":"Okay?","start":1622.515,"end":1623.015,"sentiment":"neutral","sentiment_score":-0.06116250902414322},{"text":"No problem at all.","start":1624.915,"end":1625.635,"sentiment":"neutral","sentiment_score":-0.14367378130555153}],"sentiment":"neutral","sentiment_score":0.2968687130510807,"num_words":50,"start":1607.9401,"end":1625.635},{"sentences":[{"text":"Well, thank you so much for your time today, Matthew.","start":1625.635,"end":1627.315,"sentiment":"positive","sentiment_score":0.7624130725860596},{"text":"It was lovely speaking with you, and I look forward to speaking with you on Thursday, the third.","start":1627.315,"end":1631.31,"sentiment":"positive","sentiment_score":0.8150370485252805},{"text":"Mhmm.","start":1634.49,"end":1634.57,"sentiment":"neutral","sentiment_score":0.1428388953208923},{"text":"See you later.","start":1634.57,"end":1635.47,"sentiment":"neutral","sentiment_score":0.28697388370831806},{"text":"Bye.","start":1635.69,"end":1636.19,"sentiment":"neutral","sentiment_score":0.13352957367897034}],"sentiment":"positive","sentiment_score":0.7100632642254685,"num_words":33,"start":1625.635,"end":1636.19}]}}]},{"alternatives":[{"transcript":"Hello. Matt Young speaking. Yeah. Yeah. Good. Good. Yourself? Yeah. Yep. George. Can you open that door? Yep. Matthew William Young. Twenty seventh of the eighth, seventy '9. And what was the last one? Okay. Cool. Thank you. Thank you. 2 Allied Drive in Carrum Downs. Yeah. It's more it's more just a bit of a catch up. I can see where see how that one's going. Yes. Yes. I've been in meeting after meeting after meeting. So, yeah, now you're right. Now you're up. Mhmm. Yep. Yes. Yep. Yep. Yes. Yeah. Yep. No. That no. That's the same. Yeah. Yeah. Kind of had had enough of it, but, yeah, we'll wait and see. Yeah. That's right. That's right. No. That no. That's still the case. No. No. Yeah. Yep. Not at the moment. No. Yep. Yeah. Look, it's probably about that. Yeah. Yeah. Yeah. That yeah. That's come down a bit, but yeah. Yeah. Oh, that's probably about $2.35. Yes. Yep. Yeah. Yep. No. No. No. None of that fun stuff yet. No. Yeah. Yeah. Yeah. No. No. We're no. We we generally stay away from that. No. No. Not mine. No. Yep. I'm pretty sure I don't have a will or any of that stuff. No. I think I did, and I think my cat got to him before May and may have peed all over him or something like that. So I didn't really wanna send them back. Yeah. Yeah. Yes. That's what I thought. No. Yeah. If you can send send it to my email address, then, yeah, I can print it off. Yeah. Yeah. Oh, no. Everything will go to my wife. So it's yeah. If it's easy to sign and stuff, then, yeah, yeah, she should be fine. Yeah. Yeah. It it is a plan. My my my wife's on work cover at the moment, so we're going through a bit of stuff with that. She's yeah. So so she's we thought it'd be over by by by now, but it's not. So we're hopefully coming to an end to that in the next couple of months, and then she'll she'll she'll get some, like, a fair bit of compensation. So that's kind of that's kind of what we're kind of working towards for for this financial year. And then once we know how much she's getting, then we can move from from there for for what we wanna do. Yeah. No. She's at about 60% at the moment. So so, yeah, we what we're yeah. We're we're managing at the moment. So yeah. So it's it's yeah. It's not too bad. Obviously, we want more, but everyone wants more. So yeah. Yeah. Yeah. Yep. Yeah. Yeah. Cool. Yep. And the early is getting better, but yeah. Correct. Yeah. Yeah. No. Look. I think that that would be okay. It, you know, it depends on how much things go up in the next twenty years. You know? So yeah. Yeah. Not correct. Yeah. It's wrong. Yep. No. No. I think I was moderate last time, I think. Or or was it yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. That's yeah. Yeah. Yep. Yeah. Yep. Yep. Yeah. Cool. Yeah. Yep. I'm just turning back in. Yep. Okay. Cool. Mhmm. Yeah. Nothing's come through yet. No. It's not in the spam. It's myoung@mvcc? Yep. Yeah. Yeah. No. I've got it now. Yep. A couple. Yeah. Yep. That that's all good. Yeah. Cool. No. Yeah. No. I've got it all. Yep. Yeah. Yep. Yep. Yep. No. That no. That sounds good. That sounds fine. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Cool. Yep. Yep. Yep. Yep. Yes. Yeah. Cool. Yeah. Yeah. It does. Yeah. Yep. No. That no. That's all. That's all. That's all good. Yep. Oh, yeah. I see it. This rings a bell. Yeah. Yeah. Yep. Yep. There. Yeah. Yeah. Yep. Yeah. It does. Yeah. Yep. Cool. Yep. Yes. Yep. Got it. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Cool. No. No. No. No. That's all fine. Yeah. I can. Yep. Cool. Yep. Done. Yeah. Yeah. And and send completed document. Yep. Yep. Well yeah. Well, how how long or, like, a way will you need? Like, how long like, when do you reckon, you know, we could have a chat? Yeah. Yep. Yeah. I'll I'll yeah. My I'm actually away next week, so we can probably do the week after. Yeah. Thursday. That week, I've got nothing on. Yeah. Pro pro I'll do 12:00. Yeah. I know. I know. I know. It's shocking. Yep. Yep. 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Matt Young speaking. Yeah. Yeah. Good.\n\nGood. Yourself? Yeah. Yep. George.\n\nCan you open that door? Yep. Matthew William Young. Twenty seventh of the eighth, seventy '9. And what was the last one?\n\nOkay. Cool. Thank you. Thank you. 2 Allied Drive in Carrum Downs.\n\nYeah. It's more it's more just a bit of a catch up. I can see where see how that one's going. Yes. Yes.\n\nI've been in meeting after meeting after meeting. So, yeah, now you're right. Now you're up. Mhmm. Yep.\n\nYes. Yep. Yep. Yes. Yeah.\n\nYep. No. That no. That's the same. Yeah.\n\nYeah. Kind of had had enough of it, but, yeah, we'll wait and see. Yeah. That's right. That's right.\n\nNo. That no. That's still the case. No. No.\n\nYeah. Yep. Not at the moment. No. Yep.\n\nYeah. Look, it's probably about that. Yeah. Yeah. Yeah.\n\nThat yeah. That's come down a bit, but yeah. Yeah. Oh, that's probably about $2.35. Yes.\n\nYep. Yeah. Yep. No. No.\n\nNo. None of that fun stuff yet. No. Yeah. Yeah.\n\nYeah. No. No. We're no. We we generally stay away from that.\n\nNo. No. Not mine. No. Yep.\n\nI'm pretty sure I don't have a will or any of that stuff. No. I think I did, and I think my cat got to him before May and may have peed all over him or something like that. So I didn't really wanna send them back. Yeah.\n\nYeah. Yes. That's what I thought. No. Yeah.\n\nIf you can send send it to my email address, then, yeah, I can print it off. Yeah. Yeah. Oh, no. Everything will go to my wife.\n\nSo it's yeah. If it's easy to sign and stuff, then, yeah, yeah, she should be fine. Yeah. Yeah. It it is a plan.\n\nMy my my wife's on work cover at the moment, so we're going through a bit of stuff with that. She's yeah. So so she's we thought it'd be over by by by now, but it's not. So we're hopefully coming to an end to that in the next couple of months, and then she'll she'll she'll get some, like, a fair bit of compensation. So that's kind of that's kind of what we're kind of working towards for for this financial year.\n\nAnd then once we know how much she's getting, then we can move from from there for for what we wanna do. Yeah. No. She's at about 60% at the moment. So so, yeah, we what we're yeah.\n\nWe're we're managing at the moment. So yeah. So it's it's yeah. It's not too bad. Obviously, we want more, but everyone wants more.\n\nSo yeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. Cool. Yep. And the early is getting better, but yeah. Correct.\n\nYeah. Yeah. No. Look. I think that that would be okay.\n\nIt, you know, it depends on how much things go up in the next twenty years. You know? So yeah. Yeah. Not correct.\n\nYeah. It's wrong. Yep. No. No.\n\nI think I was moderate last time, I think. Or or was it yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nYeah. That's yeah. Yeah. Yep. Yeah.\n\nYep. Yep. Yeah. Cool. Yeah.\n\nYep. I'm just turning back in. Yep. Okay. Cool.\n\nMhmm. Yeah. Nothing's come through yet. No. It's not in the spam.\n\nIt's myoung@mvcc? Yep. Yeah. Yeah. No.\n\nI've got it now. Yep. A couple. Yeah. Yep.\n\nThat that's all good. Yeah. Cool. No. Yeah.\n\nNo. I've got it all. Yep. Yeah. Yep.\n\nYep. Yep. No. That no. That sounds good.\n\nThat sounds fine. Yeah. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Yeah. Cool.\n\nYep. Yep. Yep. Yep. Yes.\n\nYeah. Cool. Yeah. Yeah. It does.\n\nYeah. Yep. No. That no. That's all.\n\nThat's all. That's all good. Yep. Oh, yeah. I see it.\n\nThis rings a bell. Yeah. Yeah. Yep. Yep.\n\nThere. Yeah. Yeah. Yep. Yeah.\n\nIt does. Yeah. Yep. Cool. Yep.\n\nYes. Yep. Got it. Yep. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nYeah. Cool. No. No. No.\n\nNo. That's all fine. Yeah. I can. Yep.\n\nCool. Yep. Done. Yeah. Yeah.\n\nAnd and send completed document. Yep. Yep. Well yeah. Well, how how long or, like, a way will you need?\n\nLike, how long like, when do you reckon, you know, we could have a chat? Yeah. Yep. Yeah. I'll I'll yeah.\n\nMy I'm actually away next week, so we can probably do the week after. Yeah. Thursday. That week, I've got nothing on. Yeah.\n\nPro pro I'll do 12:00. Yeah. I know. I know. I know.\n\nIt's shocking. Yep. Yep. No. No.\n\nI'm I'm I'm a okay. So yeah. I'm all good. That's my worst. Thank you very much.\n\nThis is Salazar. Yep. 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Matt Young\n\nChannel 0: Good morning, Matthew. This is Veronica from AQ Financial. How are you?\n\nChannel 1: speaking. Yeah. Yeah. Good. Good.\n\nYourself?\n\nChannel 0: I'm good. Thank you very much. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: George.\n\nChannel 0: Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and\n\nChannel 1: Can\n\nChannel 0: coaching\n\nChannel 1: you open\n\nChannel 0: purposes,\n\nChannel 1: that door?\n\nChannel 0: if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Matthew William Young.\n\nChannel 0: Yep.\n\nChannel 1: Twenty seventh of the eighth, seventy\n\nChannel 0: Yep.\n\nChannel 1: '9. And what was the last one?\n\nChannel 0: Address as well, please.\n\nChannel 1: Okay. Cool. Thank you. Thank you. 2 Allied Drive in Carrum Downs.\n\nChannel 0: Yep. Beautiful. Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at.\n\nChannel 1: Yeah. It's more it's more just a bit of a catch up. I can see where see how that one's going.\n\nChannel 0: Yeah. Yeah. Okay. Perfect. And have you had a busy morning so far?\n\nChannel 1: Yes. Yes. I've\n\nChannel 0: Yeah.\n\nChannel 1: been in meeting after meeting after meeting. So,\n\nChannel 0: Oh, goodness. Well, I\n\nChannel 1: yeah,\n\nChannel 0: will try my best not to keep you for too long.\n\nChannel 1: now you're right. Now you're up.\n\nChannel 0: But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just\n\nChannel 1: Mhmm.\n\nChannel 0: bear with me as I run through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And next of kin so in the event that something ever would've happened to you, I have Kim Young nominated. Is that\n\nChannel 1: Yes.\n\nChannel 0: correct\n\nChannel 1: Yep.\n\nChannel 0: as well? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Phone number hasn't changed. It still ends in 769.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of\n\nChannel 1: Yeah.\n\nChannel 0: that changed?\n\nChannel 1: Yep. No. That no.\n\nChannel 0: No.\n\nChannel 1: That's the same. Yeah.\n\nChannel 0: Still the same. Okay. Still liking it?\n\nChannel 1: Yeah. Kind of had had enough of it, but, yeah,\n\nChannel 0: Yeah. Pays\n\nChannel 1: we'll\n\nChannel 0: the bills.\n\nChannel 1: wait and see. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: right. That's right.\n\nChannel 0: Now I do have here income of around 103,000. Is that still the case, or has that changed at all?\n\nChannel 1: No. That no. That's still the case.\n\nChannel 0: Still the case? Okay. Perfect. And I also have here that your employer just pays that standard 12% contribution into. There's no, like, enterprise bargain agreement or any kind of special arrangement in place.\n\nIs that\n\nChannel 1: No.\n\nChannel 0: correct?\n\nChannel 1: No. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And you are not making any additional contributions, are you? Just that from the employer?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: Not at the moment. No. That's all good. And when it comes to assets and liabilities, I'll just run through what I have here and see if any of that has changed. So I have your property was last valued at about $7.50.\n\nIs that\n\nChannel 1: Yep.\n\nChannel 0: still the case? Do you know, or is that changed?\n\nChannel 1: Yeah. Look, it's probably about that. Yeah.\n\nChannel 0: Mhmm. And mortgage, I have about 250,000.\n\nChannel 1: Yeah. Yeah. That yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's come down a bit, but yeah.\n\nChannel 0: Yeah. How\n\nChannel 1: Yeah.\n\nChannel 0: what well, how\n\nChannel 1: Oh,\n\nChannel 0: much\n\nChannel 1: that's\n\nChannel 0: do you think?\n\nChannel 1: probably about $2.35.\n\nChannel 0: $2.35? Perfect. I will update that. I also have about 25,000 for a motor vehicle, a Toyota, I believe.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. You still got that one?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And you don't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Do you have any other new assets, Matthew, we haven't gone over, like motorbikes or savings in the bank or boats or anything else?\n\nChannel 1: No. No.\n\nChannel 0: No?\n\nChannel 1: None of that fun stuff yet. No.\n\nChannel 0: Yes. I like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And any other liabilities, like any personal loans or credit card or sick pay or anything?\n\nChannel 1: No. No. We're\n\nChannel 0: No.\n\nChannel 1: no. We we generally stay away from that.\n\nChannel 0: Yeah. Okay. Beautiful. That's good. Now when it comes to health and lifestyle, have you had any significant health issues or injuries or any changes we need to know about?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: Not\n\nChannel 0: That's\n\nChannel 1: mine. No.\n\nChannel 0: not perfect. And I have you down here as a nonsmoker. Is that the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And when it comes to estate planning, do you know if you have a will or power of attorney or anything like that in place?\n\nChannel 1: I'm pretty sure I don't have a will\n\nChannel 0: No.\n\nChannel 1: or\n\nChannel 0: That's\n\nChannel 1: any of that stuff. No.\n\nChannel 0: no. That's okay. Now when it comes to your super and your insurances, I can see here that we currently don't have a nomination on file for you. Do you remember receiving those documents in the post by any chance?\n\nChannel 1: I think I did, and I think my cat got to him before May and may have peed all over him or something like that.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Probably\n\nChannel 1: I didn't really\n\nChannel 0: appreciated.\n\nChannel 1: wanna send them back. Yeah.\n\nChannel 0: No. We would appreciate that.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Do\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: what I thought.\n\nChannel 0: do you have access to a printer, or do you prefer things to be posted out to you?\n\nChannel 1: No. Yeah. If you can send send it to my email address, then, yeah, I can print\n\nChannel 0: Yes?\n\nChannel 1: it off. Yeah.\n\nChannel 0: Okay. Beautiful. Well, I'll get the team to do that. Then that way, you do have a copy in your inbox as well if anything were to happen.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions in completing the forms or who you might want to nominate or anything like that?\n\nChannel 1: Oh, no. Everything\n\nChannel 0: No.\n\nChannel 1: will go to my wife. So it's yeah.\n\nChannel 0: Yes.\n\nChannel 1: If it's easy to sign and stuff, then, yeah, yeah,\n\nChannel 0: Yes.\n\nChannel 1: she should be fine.\n\nChannel 0: Yes. And it will be because it's your spouse, it will if anything were to happen, it will go to her tax free as well, which is good.\n\nChannel 1: Yeah.\n\nChannel 0: So I will get the team to email that out to you. Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same? Has anything changed, or what's kind of everything sitting at? So when we spoke last time, your main focus was to save up and do some traveling overseas, potentially Europe or America. Did you guys end up going on holiday, or is that still kind of the plan that you guys are working\n\nChannel 1: Yeah. It it is a plan.\n\nChannel 0: towards?\n\nChannel 1: My my\n\nChannel 0: Mhmm.\n\nChannel 1: my wife's on work cover at the moment, so\n\nChannel 0: Okay.\n\nChannel 1: we're going through a bit of stuff with that.\n\nChannel 0: Yeah.\n\nChannel 1: She's yeah. So so she's we thought it'd be over by by by now, but it's not.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So we're hopefully coming to an end to that in\n\nChannel 0: Yep.\n\nChannel 1: the next couple of months, and then\n\nChannel 0: Okay.\n\nChannel 1: she'll she'll she'll get some, like, a fair bit of compensation. So\n\nChannel 0: Okay.\n\nChannel 1: that's kind of that's kind of what we're kind of working towards\n\nChannel 0: Yes.\n\nChannel 1: for for this financial year.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then once we know how much she's getting, then we can move from from there\n\nChannel 0: Forward.\n\nChannel 1: for for what\n\nChannel 0: Yeah.\n\nChannel 1: we wanna do. Yeah.\n\nChannel 0: Yep. Well, I hope she's okay. Do you guys have, like, a a budget in place? Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income\n\nChannel 1: No.\n\nChannel 0: on\n\nChannel 1: She's\n\nChannel 0: work\n\nChannel 1: at\n\nChannel 0: cover.\n\nChannel 1: about 60% at the moment. So so, yeah,\n\nChannel 0: Yep.\n\nChannel 1: we what we're yeah. We're we're managing at the moment.\n\nChannel 0: Okay. Okay.\n\nChannel 1: So yeah. So it's it's yeah. It's not too bad. Obviously,\n\nChannel 0: Okay.\n\nChannel 1: we\n\nChannel 0: Okay.\n\nChannel 1: want more, but everyone wants\n\nChannel 0: Yes.\n\nChannel 1: more. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Well well, that's good. So if, hopefully, everything, you know, do does get better and she will get that more payout or can go back to work depending on what is happening. But if some reason you are really struggling financially and you do need any guidance on on budget or anything if it's really getting to that point. Hopefully, it doesn't.\n\nChannel 1: Yeah.\n\nChannel 0: But just\n\nChannel 1: Yep.\n\nChannel 0: let us know because we can always assist in that way if if need be. Okay?\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Yep. Okay. Perfect. Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65. Is that still kind of the plan, do you think?\n\nChannel 1: Yep. And the early\n\nChannel 0: Yep.\n\nChannel 1: is getting better, but yeah.\n\nChannel 0: You technically could, but you can't access super until '60\n\nChannel 1: Correct.\n\nChannel 0: anyway, at least\n\nChannel 1: Yeah.\n\nChannel 0: with the current legislation.\n\nChannel 1: Yeah.\n\nChannel 0: And I do have here an ideal income from super. So when you do draw an income from super and retire, I have here between 800 and 1,000. Last time, you said would probably be sufficient to meet living expenses and kind of funds retirement. Do you still think that's achievable? Do you think you need a little bit more?\n\nOr\n\nChannel 1: No. Look. I think that that would be okay. It, you know, it depends\n\nChannel 0: yep.\n\nChannel 1: on how much things go up in the next twenty years. You know?\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: And it is a pretty good middle ground. Most people say the same about a thousand or so if you do have a\n\nChannel 1: Yeah.\n\nChannel 0: partner because then you you might most people's focus is, well, hopefully, I don't have a mortgage or a very small mortgage, so I don't have too many, like, expenses in that way. And\n\nChannel 1: Not\n\nChannel 0: then\n\nChannel 1: correct.\n\nChannel 0: it's just to cover, you know, living expenses and traveling, and stuff. So most people sit around that a thousand dollars. So it's pretty pretty standard what most people would say. Again, obviously, depending on how extravagant you want your retirement.\n\nChannel 1: Yeah. It's wrong.\n\nChannel 0: Alright. Beautiful. Now when it comes through how your money is invested, I'll just kind of quickly go through just an updated risk profile questionnaire with you just to see if there is anything major that has changed in terms of how you feel about market fluctuations, if we need to make any changes to your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Now in the last twelve months, have you bought any, like, direct shares or ever done some personal investing?\n\nChannel 1: No. No.\n\nChannel 0: Nope. And when it comes through the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: I think I was moderate last time, I think.\n\nChannel 0: You were\n\nChannel 1: Or\n\nChannel 0: somewhere\n\nChannel 1: or was\n\nChannel 0: in\n\nChannel 1: it\n\nChannel 0: the in the mid in the middle. Sorry.\n\nChannel 1: yeah.\n\nChannel 0: You you were kind of, you know, we do have you invested in your your growth profile, which\n\nChannel 1: Yeah.\n\nChannel 0: does sit\n\nChannel 1: Yeah.\n\nChannel 0: somewhere in the middle in that\n\nChannel 1: Yeah.\n\nChannel 0: you are still focusing on, you know, growing your super as much as possible.\n\nChannel 1: Yeah.\n\nChannel 0: You still have plenty of time until retirement, are comfortable seeing a bit of short term fluctuation. It\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: not your your high growth or aggressive portfolio, but also not your super defensive. So it's kind of somewhere in the middle there. And\n\nChannel 1: Yeah. Yep. Yeah. That's\n\nChannel 0: when we are\n\nChannel 1: yeah.\n\nChannel 0: talking, that's that sounds that it aligns with you still?\n\nChannel 1: Yeah. Yep. Yeah.\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And, also, when we are talking about a time frame, because we also wanna make sure you have enough time in the market for those fluctuations. In a growth portfolio, typically, we want to allow at least six years to retirement, which you do have behind you.\n\nChannel 1: Yep.\n\nChannel 0: So you are in a good position in that kind of growth profile, growing it, but still having a little bit of that defensive component as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. Okay. Beautiful. Now, Matthew, do you have access to your emails at the moment by any\n\nChannel 1: Yeah.\n\nChannel 0: chance? Yep? Okay. So what I have done is I have just sent you an email with some documents to run through with you. And if you can access them, it does makes it a little bit more interactive for you as I do go through it.\n\nChannel 1: Yep. I'm just turning back\n\nChannel 0: Yeah. Now we have also recently changed the square, so it might look a little bit different\n\nChannel 1: in.\n\nChannel 0: to what you are used to. It's kind of the same, though, where it will ask you to click on a link, and then clicking the link will allow you to open up and look at all the documents.\n\nChannel 1: Yep. Okay. Cool. Mhmm. Yeah.\n\nNothing's come through yet.\n\nChannel 0: Nothing's come and not just spam either. Let me have a look. Usually, by now, it should have come through. Now I can try to resend it.\n\nChannel 1: No. It's not in the spam.\n\nChannel 0: I can just\n\nChannel 1: It's myoung@mvcc?\n\nChannel 0: send. Yep. Dot vic dot\n\nChannel 1: Yep.\n\nChannel 0: gov dot a u.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Alright. Let\n\nChannel 1: Yeah.\n\nChannel 0: me see if I can just resend this quickly to you. Alright. So it says it's been sent. Let me just triple check here. Alright.\n\nI'll just try resending it. While I wait for that to come through, are you happy for me to kind of go through some of the documents?\n\nChannel 1: No. I've got it now.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Yep.\n\nChannel 0: You might get two or three copies because\n\nChannel 1: A\n\nChannel 0: I\n\nChannel 1: couple.\n\nChannel 0: resent it a\n\nChannel 1: Yeah.\n\nChannel 0: couple of times.\n\nChannel 1: Yep. That\n\nChannel 0: It's\n\nChannel 1: that's\n\nChannel 0: all the\n\nChannel 1: all\n\nChannel 0: same,\n\nChannel 1: good.\n\nChannel 0: though.\n\nChannel 1: Yeah. Cool. No. Yeah. No.\n\nI've got it all.\n\nChannel 0: You got it? Alright. Perfect. Now the first document that you should see should be the one that says summary of superannuation and insurances.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Can you see that okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. I did have a quick look at your super balance as of last under review when we spoke as well. And at that time, the super balance was at 260,385.\n\nChannel 1: Yep.\n\nChannel 0: And as you can see now, it's up at $301,222.21, and you have your super with hub twenty four. Now underneath that, you then have your insurance,\n\nChannel 1: Yep.\n\nChannel 0: which is with Ascender. It used to be MLC. Just change over to Ascender. Your policy stays the same, though. And you do have your life and total permanent disability.\n\nSo as you can see here, it's 800And51500And50. Now when it comes to your life and to TPD, are you still happy with that level of cover you are covered for? Do you wanna make any changes, or what are your thoughts on that?\n\nChannel 1: Yep. No. That no. That sounds good. That sounds\n\nChannel 0: Yep. Yep. Perfect. And when it comes\n\nChannel 1: fine.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: the income protection as well, you do have that, which will pay you a monthly amount of 6,152 if something were to happen, which does align pretty much with your income we have here. So if your income is at a 103,000, 70% of that on a monthly basis is about 6,008. So pretty close\n\nChannel 1: Yep.\n\nChannel 0: to what you are on there for your income protection, which is great. You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate. So all three is $3,712.\n\nChannel 1: Yep.\n\nChannel 0: And you're still happy with your income protection as well?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Now if you can go to the next document for me, it should be your performance with IRR with hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now that one here, it shows you your portfolio over the last twelve months. So it shows you from the August 15 last year through the August 14 this year. And it does give you a bit of an overview of your all individual investment and your performance of your portfolio.\n\nNow the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well. So\n\nChannel 1: Yep.\n\nChannel 0: we have seen quite a bit of fluctuation. Now in saying that, though, overall, your portfolio has still done pretty well. So after fees, it's up at 7.37%, which is about 26,024, and that is just from your investment, so not contributions.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep. Perfect. Now with your investments, though, so if you are on the first page there for me, can you\n\nChannel 1: Yep.\n\nChannel 0: see the second column to the right where it says internal rate of return?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So that breaks down the individual investments and how they have performed. Now\n\nChannel 1: Yep.\n\nChannel 0: the top one here, the Benelung Australian equity, if you are happy for me to do so, I would like to do a little bit more research on this investment and see if we wanna potentially swap it out for you.\n\nChannel 1: Yep.\n\nChannel 0: Because you can see that this one here is in bracket, which means that it is underperforming a little bit at the moment.\n\nChannel 1: Yes.\n\nChannel 0: So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments. And if there is anything that is underperforming or we don't foresee coming back around or there's potentially better options out there for you, then we wanna obviously make sure we we do some research and potentially look at changing things for you if it's going to be the best for Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Cool. Yeah. Yeah. It does.\n\nChannel 0: Yeah. Beautiful. Are you happy for me to go and do that reset for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Great. Any questions so far? Oh, that's pretty straightforward.\n\nChannel 1: No. That no. That's all.\n\nChannel 0: No.\n\nChannel 1: That's all.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: all good.\n\nChannel 0: all good. Yep. Perfect. Now if you can click on the next document for me, it should be your Vanguard index chart, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Do you remember going through this last year at\n\nChannel 1: Oh, yeah. I see it.\n\nChannel 0: all?\n\nChannel 1: This rings a bell.\n\nChannel 0: Vaguely?\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. So Vanguard does release one every year, which is great. The next one is due to come out any day now. So at the end of its financial year, they do a bit of an updated version.\n\nEssentially, it is a good visual representation of what we are talking about when we're talking about the market. It shows you kind of results from 1995 through to 2025, and it shows you all the ups and downs of the market. You can basically see that over the long term, market always goes up. For short term, you will have some ups and downs and market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Now it also breaks down the different asset classes on the right. So when we are then referring back to that growth portfolio for you, we typically see about 80% in a combination of your top four. So that is your US shares, which you can see is, like, your light green, your Australian shares, which is, like, your dark green,\n\nChannel 1: Yep.\n\nChannel 0: international shares, which is, like, the yellow line, and then the property, which is, like, that maroon color.\n\nChannel 1: Yep.\n\nChannel 0: So these are the ones you can see, obviously, grow the most, but they also fluctuate the most. And\n\nChannel 1: There.\n\nChannel 0: that's where that time frame comes into play, like I mentioned earlier as well, for for retirement. And then you do have about 20% in defensive. So, like, your bottom one's here, which you can see a little bit more stable to kind of limit those fluctuations a little bit, but they don't grow as much either. So we want a\n\nChannel 1: Yeah.\n\nChannel 0: bit\n\nChannel 1: Yeah.\n\nChannel 0: of a balance between the two. Does that make\n\nChannel 1: Yep. Yeah. It\n\nChannel 0: sense? Yep. Beautiful. Now the next document should just be your certificate of currency\n\nChannel 1: does. Yeah.\n\nChannel 0: for your, Ascender, MLC insurances. Just\n\nChannel 1: Yep.\n\nChannel 0: a little bit more information that basically lets you know that's all paid and up to date for\n\nChannel 1: Cool.\n\nChannel 0: you. Yep. Now the next document should be your Oakview services guide.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Again, you probably have seen this a couple of times. It is one of those compliance documents. Gives you all the important information in regards to us here at Oakview.\n\nGives you information about the team or directors and our advisers. If you do wanna scroll down through page 10, you can actually see a photo of myself, and sometimes it's nice to put a face to the voice.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now I do wanna let you know we've had a bit of a bit of a change to our fee structure as well. So if you want to scroll down through page 17 for me, you should\n\nChannel 1: Yep.\n\nChannel 0: see\n\nChannel 1: Got it.\n\nChannel 0: was\n\nChannel 1: Yep.\n\nChannel 0: this ongoing service fee? Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So in your instance, it it actually turned out a little bit cheaper for you, which is great. So you can basically see here that the old fee structure, it was at the flat 1.65 from super.\n\nChannel 1: Yep.\n\nChannel 0: Now because of, obviously, superannuation as your balance grows and because you are in the you have money over 200,000, you can then see that it's kind of that tiered structure.\n\nChannel 1: Yeah.\n\nChannel 0: So it will mean, obviously, as your super balance grow, that kind of reduces and gets a little bit cheaper as your your money grows. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Beautiful. So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great. But, otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: it kind of stays the same, meaning that there's no lock in contract at any point in time. If you're not happy, there's no excess fees or anything like that. But, otherwise, yeah, there's a little change in that ongoing service fee for you. Do you have\n\nChannel 1: Yeah.\n\nChannel 0: any questions\n\nChannel 1: Cool.\n\nChannel 0: in regards to the changes there?\n\nChannel 1: No. No. No. No.\n\nChannel 0: No.\n\nChannel 1: That's all fine.\n\nChannel 0: Yep. Okay. Perfect. So on the next document, Matthew, it is then broken down in that ongoing service agreement. Can you see that?\n\nChannel 1: Yeah. I can.\n\nChannel 0: Yep. Perfect. So this one here, if you're happy to do so, it will ask for your signature, and that is just to say that you are happy to stay on as a client. Now like I mentioned, it is not a lock in contract at any point, any way, shape, or form. But by signing this, it just allows us to manage all your investments and superinsurance and everything for you in the meantime.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Yep. Perfect. So, yeah, if you're happy to do so, it will ask for a little signature at the bottom there.\n\nChannel 1: Yep. Done.\n\nChannel 0: Perfect. And that should be everything, I believe. So when you added the signature, does it say validate?\n\nChannel 1: Yeah. Yeah. And and send completed document.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So I'll just kinda refresh that online to see if that comes through. While I do wait for that to come through, while I have you on the phone, I'll book in the next catch up for to go through the research\n\nChannel 1: Yep.\n\nChannel 0: on your investments if we wanted to make any changes to anything. So, Matthew, when is typically a best time for yourself to go through that? And it won't take us as long as today.\n\nChannel 1: Well yeah. Well, how how long or, like, a way will you need? Like, how long\n\nChannel 0: I've\n\nChannel 1: like, when do you reckon, you know,\n\nChannel 0: yeah.\n\nChannel 1: we could have a chat?\n\nChannel 0: So Habitat. So it\n\nChannel 1: Yeah.\n\nChannel 0: probably takes me about a week or so to put together. So I\n\nChannel 1: Yep.\n\nChannel 0: could do any time from Wednesday, Thursday next week\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: I'll\n\nChannel 0: any\n\nChannel 1: I'll\n\nChannel 0: of those work.\n\nChannel 1: yeah. My I'm actually away next week, so we can\n\nChannel 0: Okay.\n\nChannel 1: probably do the week after.\n\nChannel 0: The week after? Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now I do have some availability still. So do you have a preference on the Monday to Thursday? Which day works to be good best for you?\n\nChannel 1: Thursday. That week,\n\nChannel 0: Thursday?\n\nChannel 1: I've got nothing on.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now let me have a look. I could do either 12:00 or I could do 02:00 or 04:00.\n\nChannel 1: Pro pro I'll do 12:00.\n\nChannel 0: 12:00? Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I will book that in on Thursday, September 3, which is crazy that it's September\n\nChannel 1: I know.\n\nChannel 0: almost already\n\nChannel 1: I know. I know. It's\n\nChannel 0: at,\n\nChannel 1: shocking.\n\nChannel 0: yeah, at 12PM. Now\n\nChannel 1: Yep.\n\nChannel 0: if anything does change and you can't make the appointment, just let me know, and we can always get that rescheduled for you. Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted.\n\nChannel 1: Yep.\n\nChannel 0: But do you have any other questions for me at this point before I let you go and get on with your day?\n\nChannel 1: No. No. I'm I'm\n\nChannel 0: No?\n\nChannel 1: I'm a okay. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm all good.\n\nChannel 0: Beautiful. Well, I will let you go, and, hopefully, the rest of your day is good and not too busy for you. But if you need anything between now and Thursday, September 3, don't hesitate to give us a call or send me an email. Okay?\n\nChannel 1: That's my worst.\n\nChannel 0: No problem at all. Well, thank you so much for your time today, Matthew. It was lovely speaking with you, and I look forward to speaking with you on Thursday, the third.\n\nChannel 1: Thank you very much. This is Salazar.\n\nChannel 0: Mhmm. See you later.\n\nChannel 1: Yep.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.05751495063304901},{"text":"Matt Young","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.043255044147372246}],"sentiment":"neutral","sentiment_score":0.0480083463092645,"channel":1,"num_words":3,"start":1.04,"end":2.42},{"sentences":[{"text":"Good morning, Matthew.","start":5.8399997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2697255363066991},{"text":"This is Veronica from AQ Financial.","start":6.8799996,"end":8.98,"sentiment":"neutral","sentiment_score":0.19876081248124441},{"text":"How are you?","start":9.2,"end":9.94,"sentiment":"neutral","sentiment_score":0.135748952627182}],"sentiment":"neutral","sentiment_score":0.20074902847409248,"channel":0,"num_words":12,"start":5.8399997,"end":9.94},{"sentences":[{"text":"speaking.","start":10.08,"end":10.24,"sentiment":"neutral","sentiment_score":0.049460336565971375},{"text":"Yeah.","start":10.24,"end":10.559999,"sentiment":"neutral","sentiment_score":0.12587755918502808},{"text":"Yeah.","start":10.559999,"end":10.88,"sentiment":"neutral","sentiment_score":0.21916905045509336},{"text":"Good.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.5056394338607788},{"text":"Good.","start":11.2,"end":11.5199995,"sentiment":"positive","sentiment_score":0.512209415435791}],"sentiment":"neutral","sentiment_score":0.28247115910053255,"channel":1,"num_words":5,"start":10.08,"end":11.5199995},{"sentences":[{"text":"Yourself?","start":11.5199995,"end":12.0199995,"sentiment":"positive","sentiment_score":0.38348209857940674}],"sentiment":"positive","sentiment_score":0.38348209857940674,"channel":1,"num_words":1,"start":11.5199995,"end":12.0199995},{"sentences":[{"text":"I'm good.","start":12.719999,"end":13.44,"sentiment":"positive","sentiment_score":0.6133677661418915},{"text":"Thank you very much.","start":13.44,"end":14.74,"sentiment":"positive","sentiment_score":0.7949944138526917},{"text":"I had you booked in to go over your annual review.","start":16.105,"end":18.585001,"sentiment":"positive","sentiment_score":0.41281886805187573},{"text":"Is now still a good time for you?","start":18.585001,"end":20.365,"sentiment":"neutral","sentiment_score":0.33290350437164307}],"sentiment":"positive","sentiment_score":0.4644379508495331,"channel":0,"num_words":25,"start":12.719999,"end":20.365},{"sentences":[{"text":"Yeah.","start":20.455,"end":20.775,"sentiment":"neutral","sentiment_score":0.1044076681137085},{"text":"Yep.","start":20.775,"end":21.275,"sentiment":"neutral","sentiment_score":0.08688020706176758}],"sentiment":"neutral","sentiment_score":0.09564393758773804,"channel":1,"num_words":2,"start":20.455,"end":21.275},{"sentences":[{"text":"Yep.","start":21.625,"end":22.125,"sentiment":"neutral","sentiment_score":0.14745627343654633},{"text":"Beautiful.","start":22.185001,"end":22.685001,"sentiment":"positive","sentiment_score":0.44928574562072754}],"sentiment":"neutral","sentiment_score":0.29837100952863693,"channel":0,"num_words":2,"start":21.625,"end":22.685001},{"sentences":[{"text":"George.","start":23.335,"end":23.835,"sentiment":"neutral","sentiment_score":0.17858095467090607}],"sentiment":"neutral","sentiment_score":0.17858095467090607,"channel":1,"num_words":1,"start":23.335,"end":23.835},{"sentences":[{"text":"Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and","start":23.385,"end":31.429998,"sentiment":"neutral","sentiment_score":0.018165948645522196}],"sentiment":"neutral","sentiment_score":0.018165948645522196,"channel":0,"num_words":24,"start":23.385,"end":31.429998},{"sentences":[{"text":"Can","start":31.390001,"end":31.630001,"sentiment":"neutral","sentiment_score":0.01306232064962387}],"sentiment":"neutral","sentiment_score":0.01306232064962387,"channel":1,"num_words":1,"start":31.390001,"end":31.630001},{"sentences":[{"text":"coaching","start":31.429998,"end":31.91,"sentiment":"neutral","sentiment_score":0.027541279792785645}],"sentiment":"neutral","sentiment_score":0.027541279792785645,"channel":0,"num_words":1,"start":31.429998,"end":31.91},{"sentences":[{"text":"you open","start":31.630001,"end":32.11,"sentiment":"neutral","sentiment_score":-0.0050510140135884285}],"sentiment":"neutral","sentiment_score":-0.0050510140135884285,"channel":1,"num_words":2,"start":31.630001,"end":32.11},{"sentences":[{"text":"purposes,","start":31.91,"end":32.41,"sentiment":"neutral","sentiment_score":0.002243250608444214}],"sentiment":"neutral","sentiment_score":0.002243250608444214,"channel":0,"num_words":1,"start":31.91,"end":32.41},{"sentences":[{"text":"that door?","start":32.11,"end":32.850002,"sentiment":"neutral","sentiment_score":0.01115352800115943}],"sentiment":"neutral","sentiment_score":0.01115352800115943,"channel":1,"num_words":2,"start":32.11,"end":32.850002},{"sentences":[{"text":"if that's okay.","start":32.469997,"end":33.449997,"sentiment":"neutral","sentiment_score":0.03609055342773596}],"sentiment":"neutral","sentiment_score":0.03609055342773596,"channel":0,"num_words":3,"start":32.469997,"end":33.449997},{"sentences":[{"text":"Yep.","start":34.350002,"end":34.850002,"sentiment":"neutral","sentiment_score":0.05098679289221763}],"sentiment":"neutral","sentiment_score":0.05098679289221763,"channel":1,"num_words":1,"start":34.350002,"end":34.850002},{"sentences":[{"text":"Yep.","start":35.27,"end":35.77,"sentiment":"neutral","sentiment_score":0.04259839281439781},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, 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see if I can just resend this quickly to you.","start":837.64496,"end":849.29004,"sentiment":"neutral","sentiment_score":0.10752379420128735},{"text":"Alright.","start":849.29004,"end":849.79004,"sentiment":"neutral","sentiment_score":0.05821776390075683},{"text":"So it says it's been sent.","start":849.85004,"end":854.83,"sentiment":"neutral","sentiment_score":0.024912283134957153},{"text":"Let me just triple check here.","start":854.89,"end":856.545,"sentiment":"neutral","sentiment_score":0.02216647130747636},{"text":"Alright.","start":863.985,"end":864.225,"sentiment":"neutral","sentiment_score":0.12689289450645447}],"sentiment":"neutral","sentiment_score":0.06601379685103893,"channel":0,"num_words":25,"start":837.64496,"end":864.225},{"sentences":[{"text":"I'll just try resending it.","start":864.225,"end":866.165,"sentiment":"neutral","sentiment_score":0.08008243069052697},{"text":"While I wait for that to come through, are you happy for me to kind of go through some of the 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representative from AQ Financial named Veronica calls a customer named Matthew to go over his annual review and personal information. She asks about his health and lifestyle, income, and assets and liabilities, and retirement goals. The speaker provides financial information and offers assistance with budgeting and retirement goals. They discuss retirement plans and risk profiles, retirement goals, and risk levels for superannaps. The agent guides the customer on accessing and reviewing documents, including a summary of their investment portfolio and performance with IRR. The compliance document is broken down into two sections, with a general agreement and ongoing service fees. The customer is advised to sign the agreement and the speaker will book a follow-up call for the next day."},"intents":{"segments":[{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Matthew William Young.","start_word":87,"end_word":121,"intents":[{"intent":"Confirm identity","confidence_score":0.20713602},{"intent":"Provide security information","confidence_score":0.013994681},{"intent":"Identify contact information","confidence_score":0.00005318473},{"intent":"Confirm identity","confidence_score":0.7314595}]},{"text":"Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at. Yeah.","start_word":155,"end_word":214,"intents":[{"intent":"Start review","confidence_score":0.0050086947},{"intent":"Check progress","confidence_score":0.100862175}]},{"text":"But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just Mhmm.","start_word":282,"end_word":331,"intents":[{"intent":"Discuss advice","confidence_score":0.05143053}]},{"text":"Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that correct? Yep.","start_word":341,"end_word":363,"intents":[{"intent":"Confirm personal information","confidence_score":0.33496037}]},{"text":"Phone number hasn't changed. It still ends in 769.","start_word":394,"end_word":402,"intents":[{"intent":"Verify phone number","confidence_score":0.011996779}]},{"text":"And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of Yeah.","start_word":406,"end_word":430,"intents":[{"intent":"Confirm employment status","confidence_score":0.6154663}]},{"text":"Now I do have here income of around 103,000. Is that still the case, or has that changed at all? No. That no.","start_word":473,"end_word":495,"intents":[{"intent":"Check income","confidence_score":0.08834851}]},{"text":"And I also have here that your employer just pays that standard 12% contribution into. There's no, like, enterprise bargain agreement or any kind of special arrangement in place. Is that No. correct?","start_word":505,"end_word":537,"intents":[{"intent":"Confirm employer's contribution","confidence_score":0.3716423}]},{"text":"So I have your property was last valued at about $7.50. Is that Yep.","start_word":595,"end_word":608,"intents":[{"intent":"Confirm property valuation","confidence_score":0.03535323}]},{"text":"And mortgage, I have about 250,000. Yeah. Yeah.","start_word":627,"end_word":634,"intents":[{"intent":"Clarify mortgage amount","confidence_score":0.030355323}]},{"text":"Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same? Has anything changed, or what's kind of everything sitting at?","start_word":1117,"end_word":1165,"intents":[{"intent":"Share goals","confidence_score":0.00069440616}]},{"text":"Do you guys have, like, a a budget in place? Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income No.","start_word":1341,"end_word":1376,"intents":[{"intent":"Determine budget and financial situation","confidence_score":0.000046615445}]},{"text":"Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income No.","start_word":1351,"end_word":1376,"intents":[{"intent":"Assist with budgeting and financial concerns","confidence_score":0.0012404611}]},{"text":"Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65. Is that still kind of the plan, do you think? Yep.","start_word":1517,"end_word":1547,"intents":[{"intent":"Determine retirement plans","confidence_score":0.07513794}]},{"text":"I think that that would be okay. It, you know, it depends yep. on how much things go up in the next twenty years. You know?","start_word":1640,"end_word":1665,"intents":[{"intent":"Assess financial needs","confidence_score":0.032424677}]},{"text":"me see if I can just resend this quickly to you. Alright.","start_word":2303,"end_word":2314,"intents":[{"intent":"Schedule call with resend","confidence_score":0.0000025908075}]},{"text":"I'll just try resending it. While I wait for that to come through, are you happy for me to kind of go through some of the documents? No.","start_word":2328,"end_word":2355,"intents":[{"intent":"Resending documents","confidence_score":0.046379086},{"intent":"Reviewing documents","confidence_score":0.6077329}]},{"text":"Can you see that okay? Yeah.","start_word":2426,"end_word":2431,"intents":[{"intent":"Confirming information","confidence_score":0.01781827}]},{"text":"No.","start_word":2568,"end_word":2568,"intents":[{"intent":"Asking for clarification","confidence_score":0.02224527}]},{"text":"That no. That sounds good. That sounds Yep.","start_word":2569,"end_word":2576,"intents":[{"intent":"Confirming understanding","confidence_score":0.053797025}]},{"text":"You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate. So all three is $3,712. Yep.","start_word":2656,"end_word":2681,"intents":[{"intent":"Explain investment plans","confidence_score":0.00011118345}]},{"text":"Now that one here, it shows you your portfolio over the last twelve months. So it shows you from the August 15 last year through the August 14 this year. And it does give you a bit of an overview of your all individual investment and your performance of your portfolio.","start_word":2721,"end_word":2771,"intents":[{"intent":"Provide portfolio overview","confidence_score":0.024785064}]},{"text":"Now the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well. So Yep.","start_word":2772,"end_word":2821,"intents":[{"intent":"Report market fluctuations","confidence_score":0.0021897221}]},{"text":"So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments.","start_word":2984,"end_word":3013,"intents":[{"intent":"Discuss investment options","confidence_score":0.20693506}]},{"text":"Are you happy for me to go and do that reset for you? Yeah.","start_word":3077,"end_word":3090,"intents":[{"intent":"Reset investment plan","confidence_score":0.011359358}]},{"text":"Now the next document should just be your certificate of currency does. Yeah. for your, Ascender, MLC insurances. Just Yep. a little bit more information that basically lets you know that's all paid and up to date for Cool. you.","start_word":3453,"end_word":3492,"intents":[{"intent":"Manage financial documents","confidence_score":0.00054098887}]},{"text":"So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great. But, otherwise, Yeah. it kind of stays the same, meaning that there's no lock in contract at any point in time. If you're not happy, there's no excess fees or anything like that. But, otherwise, yeah, there's a little change in that ongoing service fee for you.","start_word":3737,"end_word":3812,"intents":[{"intent":"Negotiate fee structure","confidence_score":0.029253207}]},{"text":"So, Matthew, when is typically a best time for yourself to go through that? And it won't take us as long as today. Well yeah.","start_word":4044,"end_word":4068,"intents":[{"intent":"Discuss change in time","confidence_score":0.00008224143},{"intent":"Discuss rescheduling","confidence_score":0.034645345}]},{"text":"could do any time from Wednesday, Thursday next week Yeah.","start_word":4115,"end_word":4124,"intents":[{"intent":"Specify preferred time","confidence_score":0.0045526316}]},{"text":"I will book that in on Thursday, September 3, which is crazy that it's September I know. almost already I know.","start_word":4219,"end_word":4239,"intents":[{"intent":"Book appointment","confidence_score":0.07586319}]},{"text":"Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted. Yep.","start_word":4273,"end_word":4298,"intents":[{"intent":"Provide information on beneficiary forms and questions","confidence_score":0.00000964481}]}]},"sentiments":{"segments":[{"text":"Hello. Matt Young Good morning, Matthew. This is Veronica from AQ Financial. How are you? speaking. Yeah. Yeah.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1646176278591156},{"text":"Good. Good. Yourself? I'm good. Thank you very much. I had you booked in to go over your annual review.","start_word":18,"end_word":37,"sentiment":"positive","sentiment_score":0.5192599296569824},{"text":"Is now still a good time for you? Yeah. Yep. Yep.","start_word":38,"end_word":48,"sentiment":"neutral","sentiment_score":0.2386537343263626},{"text":"Beautiful.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.44928574562072754},{"text":"George. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and Can coaching you open purposes, that door? if that's okay. Yep. Yep. And just for security purposes so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Matthew William Young. Yep. Twenty seventh of the eighth, seventy Yep. '9. And what was the last one? Address as well, please. Okay. Cool.","start_word":50,"end_word":142,"sentiment":"neutral","sentiment_score":0.03109215572476387},{"text":"Thank you. Thank you.","start_word":143,"end_word":146,"sentiment":"positive","sentiment_score":0.37082383036613464},{"text":"2 Allied Drive in Carrum Downs. Yep.","start_word":147,"end_word":153,"sentiment":"neutral","sentiment_score":0.08596127480268478},{"text":"Beautiful.","start_word":154,"end_word":154,"sentiment":"positive","sentiment_score":0.3818870782852173},{"text":"Now before I do kind of go any further, I do like to start by asking, Matthew, if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of a catch up and kind of see where everything is at. Yeah. It's more it's more just a bit of a catch up. I can see where see how that one's going. Yeah. Yeah. Okay. Perfect. And have you had a busy morning so far? Yes. Yes. I've Yeah. been in meeting after meeting after meeting. So, Oh, goodness. Well, I yeah, will try my best not to keep you for too long. now you're right. Now you're up. But what I will do first is just to go through just a bit of an updated fax line with you to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just Mhmm. bear with me as I run through this. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that correct? Yep. Yep.","start_word":155,"end_word":363,"sentiment":"neutral","sentiment_score":0.01175845274924519},{"text":"Perfect.","start_word":364,"end_word":364,"sentiment":"positive","sentiment_score":0.6267789602279663},{"text":"And next of kin so in the event that something ever would've happened to you, I have Kim Young nominated. Is that Yes. correct Yep. as well?","start_word":365,"end_word":391,"sentiment":"neutral","sentiment_score":0.22606493532657623},{"text":"Beautiful.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.5774656534194946},{"text":"Yep. Phone number hasn't changed. It still ends in 769. Yes. Yeah. Perfect. And when it comes to employment wise for you, are you still working as a manager, I believe it was, or has any of Yeah. that changed? Yep. No. That no. No. That's the same. Yeah. Still the same. Okay. Still liking it? Yeah. Kind of had had enough of it, but, yeah, Yeah. Pays we'll the bills. wait and see. Yeah. That's Yeah. right. That's right. Now I do have here income of around 103,000. Is that still the case, or has that changed at all? No. That no. That's still the case. Still the case? Okay. Perfect. And I also have here that your employer just pays that standard 12% contribution into. There's no, like, enterprise bargain agreement or any kind of special arrangement in place. Is that No. correct? No. Yeah. Yep. Yep. Perfect. And you are not making any additional contributions, are you? Just that from the employer? Not at the moment. No. Not at the moment. No. That's all good. And when it comes to assets and liabilities, I'll just run through what I have here and see if any of that has changed. So I have your property was last valued at about $7.50. Is that Yep. still the case? Do you know, or is that changed? Yeah. Look, it's probably about that. Yeah. Mhmm. And mortgage, I have about 250,000. Yeah. Yeah. That yeah. Yeah. That's come down a bit, but yeah. Yeah. How Yeah. what well, how Oh, much that's do you think? probably about $2. 35. $2.35?","start_word":393,"end_word":660,"sentiment":"neutral","sentiment_score":-0.0013770231470611614},{"text":"Perfect. I will update that.","start_word":661,"end_word":665,"sentiment":"positive","sentiment_score":0.4419943392276764},{"text":"I also have about 25,000 for a motor vehicle, a Toyota, I believe. Yes. Yep. Yep. You still got that one? Yeah. Yep. Yep. And you don't have anything owing on that one, do you? No. No. Perfect. Do you have any other new assets, Matthew, we haven't gone over, like motorbikes or savings in the bank or boats or anything else? No. No. No? None of that fun stuff yet. No. Yes. I like Yeah. that. Yeah. Yeah. And any other liabilities, like any personal loans or credit card or sick pay or anything? No. No. We're No. no. We we generally stay away from that. Yeah. Okay.","start_word":666,"end_word":774,"sentiment":"neutral","sentiment_score":-0.009357164613902569},{"text":"Beautiful. That's good.","start_word":775,"end_word":777,"sentiment":"positive","sentiment_score":0.4801828861236572},{"text":"Now when it comes to health and lifestyle, have you had any significant health issues or injuries or any changes we need to know about? No. No. No. Not That's mine.","start_word":778,"end_word":808,"sentiment":"neutral","sentiment_score":-0.0810864046216011},{"text":"No. not perfect.","start_word":809,"end_word":811,"sentiment":"negative","sentiment_score":-0.3857734799385071},{"text":"And I have you down here as a nonsmoker. Is that the case? Yep. Yep. Perfect. And when it comes to estate planning, do you know if you have a will or power of attorney or anything like that in place? I'm pretty sure I don't have a will No. or That's any of that stuff. No. no. That's okay. Now when it comes to your super and your insurances, I can see here that we currently don't have a nomination on file for you. Do you remember receiving those documents in the post by any chance? I think I did, and I think my cat got to him before May and may have peed all over him or something like that. Yes.","start_word":812,"end_word":934,"sentiment":"neutral","sentiment_score":-0.11329083889722824},{"text":"So Probably I didn't really appreciated.","start_word":935,"end_word":940,"sentiment":"negative","sentiment_score":-0.3340626358985901},{"text":"wanna send them back. Yeah. No. We would appreciate that. Yeah. Yes. Do That's you what I thought. do you have access to a printer, or do you prefer things to be posted out to you? No. Yeah. If you can send send it to my email address, then, yeah, I can print Yes? it off. Yeah.","start_word":941,"end_word":997,"sentiment":"neutral","sentiment_score":-0.0035756255189577737},{"text":"Okay. Beautiful. Well, I'll get the team to do that. Then that way, you do have a copy in your inbox as well if anything were to happen.","start_word":998,"end_word":1025,"sentiment":"positive","sentiment_score":0.5084877014160156},{"text":"Yeah. Do you have any questions in completing the forms or who you might want to nominate or anything like that? Oh, no. Everything No. will go to my wife. So it's yeah. Yes. If it's easy to sign and stuff, then, yeah, yeah, Yes.","start_word":1026,"end_word":1070,"sentiment":"neutral","sentiment_score":0.07284080982208252},{"text":"she should be fine. Yes. And it will be because it's your spouse, it will if anything were to happen, it will go to her tax free as well, which is good.","start_word":1071,"end_word":1102,"sentiment":"positive","sentiment_score":0.5195153951644897},{"text":"Yeah.","start_word":1103,"end_word":1103,"sentiment":"neutral","sentiment_score":0.2940259575843811},{"text":"So I will get the team to email that out to you.","start_word":1104,"end_word":1115,"sentiment":"positive","sentiment_score":0.3397507071495056},{"text":"Now when it comes to kind of goals, the stuff that you are working towards, usually doing the under review, it's kind of good to do a bit of a catch up to see, is your goals the same? Has anything changed, or what's kind of everything sitting at? So when we spoke last time, your main focus was to save up and do some traveling overseas, potentially Europe or America. Did you guys end up going on holiday, or is that still kind of the plan that you guys are working Yeah. It it is a plan. towards? My my Mhmm. my wife's on work cover at the moment, so Okay. we're going through a bit of stuff with that. Yeah. She's yeah. So so she's we thought it'd be over by by by now, but it's not. Yeah. Okay. So we're hopefully coming to an end to that in Yep. the next couple of months, and then Okay. she'll she'll she'll get some, like, a fair bit of compensation. So Okay. that's kind of that's kind of what we're kind of working towards Yes. for for this financial year. Yep. Yep. And then once we know how much she's getting, then we can move from from there Forward. for for what Yeah. we wanna do. Yeah. Yep. Well, I hope she's okay. Do you guys have, like, a a budget in place? Do you need any assistance with that cash flow and budgeting or anything with the circumstances, obviously, because she probably wouldn't get her full income No. on She's work at cover. about 60% at the moment. So so, yeah, Yep. we what we're yeah. We're we're managing at the moment. Okay. Okay. So yeah. So it's it's yeah. It's not too bad. Obviously, Okay. we Okay. want more, but everyone wants Yes. more. So yeah. Yes. Yeah. Okay.","start_word":1116,"end_word":1427,"sentiment":"neutral","sentiment_score":0.03595937609385986},{"text":"Well well, that's good.","start_word":1428,"end_word":1431,"sentiment":"positive","sentiment_score":0.49641984701156616},{"text":"So if, hopefully, everything, you know, do does get better and she will get that more payout or can go back to work depending on what is happening. But if some reason you are really struggling financially and you do need any guidance on on budget or anything if it's really getting to that point. Hopefully, it doesn't. Yeah. But just Yep. let us know because we can always assist in that way if if need be. Okay? Yeah. Yeah. Cool. Yep. Okay. Perfect. Now, otherwise, when it comes to superannuation, I have here that, ideally, you would like to retire between '60, '65. Is that still kind of the plan, do you think? Yep. And the early Yep. is getting better, but yeah. You technically could, but you can't access super until '60 Correct. anyway, at least Yeah. with the current legislation. Yeah. And I do have here an ideal income from super. So when you do draw an income from super and retire, I have here between 800 and 1,000. Last time, you said would probably be sufficient to meet living expenses and kind of funds retirement. Do you still think that's achievable? Do you think you need a little bit more? Or No. Look. I think that that would be okay. It, you know, it depends yep. on how much things go up in the next twenty years. You know? Yes. So Yes. yeah.","start_word":1432,"end_word":1668,"sentiment":"neutral","sentiment_score":0.06868279061991454},{"text":"And it is a pretty good middle ground.","start_word":1669,"end_word":1676,"sentiment":"positive","sentiment_score":0.4569430351257324},{"text":"Most people say the same about a thousand or so if you do have a partner Yeah. because then you you might most people's focus is, well, hopefully, I don't have a mortgage or a very small mortgage, so I don't have too many, like, expenses in that way. And Not then correct. it's just to cover, you know, living expenses and traveling, and stuff. So most people sit around that a thousand dollars. So it's pretty pretty standard what most people would say. Again, obviously, depending on how extravagant you want your retirement. Yeah. It's wrong. Alright.","start_word":1677,"end_word":1774,"sentiment":"neutral","sentiment_score":0.04884140193462372},{"text":"Beautiful.","start_word":1775,"end_word":1775,"sentiment":"positive","sentiment_score":0.5508416891098022},{"text":"Now when it comes through how your money is invested, I'll just kind of quickly go through just an updated risk profile questionnaire with you just to see if there is anything major that has changed in terms of how you feel about market fluctuations, if we need to make any changes to your risk profile. Yep. Now in the last twelve months, have you bought any, like, direct shares or ever done some personal investing? No. No. Nope. And when it comes through the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? I think I was moderate last time, I think. You were Or somewhere or was in it the in the mid in the middle. Sorry. yeah. You you were kind of, you know, we do have you invested in your your growth profile, which Yeah. does sit Yeah. somewhere in the middle in that Yeah. you are still focusing on, you know, growing your super as much as possible. Yeah. You still have plenty of time until retirement, are comfortable seeing a bit of short term fluctuation. It Yeah. is Yep. not your your high growth or aggressive portfolio, but also not your super defensive. So it's kind of somewhere in the middle there. And Yeah. Yep. Yeah. That's when we are yeah. talking, that's that sounds that it aligns with you still? Yeah. Yep. Yeah. Yep. Yep. Okay.","start_word":1776,"end_word":2033,"sentiment":"neutral","sentiment_score":0.030006377387416457},{"text":"Yep. Perfect.","start_word":2034,"end_word":2035,"sentiment":"positive","sentiment_score":0.4798763394355774},{"text":"And, also, when we are talking about a time frame, because we also wanna make sure you have enough time in the market for those fluctuations. In a growth portfolio, typically, we want to allow at least six years to retirement, which you do have behind you. Yep.","start_word":2036,"end_word":2083,"sentiment":"neutral","sentiment_score":0.1468496024608612},{"text":"So you are in a good position in that kind of growth profile, growing it, but still having a little bit of that defensive component as well.","start_word":2084,"end_word":2110,"sentiment":"positive","sentiment_score":0.3521493673324585},{"text":"Yeah.","start_word":2111,"end_word":2111,"sentiment":"neutral","sentiment_score":0.2004859000444412},{"text":"Cool.","start_word":2112,"end_word":2112,"sentiment":"positive","sentiment_score":0.3435092568397522},{"text":"Yeah.","start_word":2113,"end_word":2113,"sentiment":"neutral","sentiment_score":0.21156355738639832},{"text":"Okay. Beautiful.","start_word":2114,"end_word":2115,"sentiment":"positive","sentiment_score":0.4658190310001374},{"text":"Now, Matthew, do you have access to your emails at the moment by any Yeah. chance? Yep? Okay. So what I have done is I have just sent you an email with some documents to run through with you. And if you can access them, it does makes it a little bit more interactive for you as I do go through it. Yep. I'm just turning back Yeah. Now we have also recently changed the square, so it might look a little bit different in. to what you are used to. It's kind of the same, though, where it will ask you to click on a link, and then clicking the link will allow you to open up and look at all the documents. Yep. Okay. Cool. Mhmm. Yeah. Nothing's come through yet. Nothing's come and not just spam either. Let me have a look. Usually, by now, it should have come through. Now I can try to resend it. No. It's not in the spam. I can just It's myoung@mvcc? send. Yep. Dot vic dot Yep. gov dot a u. Yeah. Yep. Alright. Let Yeah. me see if I can just resend this quickly to you. Alright. So it says it's been sent. Let me just triple check here. Alright. I'll just try resending it. While I wait for that to come through, are you happy for me to kind of go through some of the documents? No. I've got it now.","start_word":2116,"end_word":2358,"sentiment":"neutral","sentiment_score":0.05059217385671757},{"text":"Oh, beautiful.","start_word":2359,"end_word":2360,"sentiment":"positive","sentiment_score":0.5253250598907471},{"text":"Yep. You might get two or three copies because A I couple. resent it a Yeah. couple of times. Yep. That It's that's all the all same, good. though. Yeah. Cool. No. Yeah. No. I've got it all. You got it? Alright.","start_word":2361,"end_word":2402,"sentiment":"neutral","sentiment_score":0.13435953855514526},{"text":"Perfect.","start_word":2403,"end_word":2403,"sentiment":"positive","sentiment_score":0.43353700637817383},{"text":"Now the first document that you should see should be the one that says summary of superannuation and insurances. Yep. Yep. Can you see that okay? Yeah. Yep. Perfect. I did have a quick look at your super balance as of last under review when we spoke as well. And at that time, the super balance was at 260,385. Yep. And as you can see now, it's up at $301,222.21, and you have your super with hub twenty four. Now underneath that, you then have your insurance, Yep. which is with Ascender. It used to be MLC. Just change over to Ascender. Your policy stays the same, though. And you do have your life and total permanent disability. So as you can see here, it's 800And51500And50. Now when it comes to your life and to TPD, are you still happy with that level of cover you are covered for? Do you wanna make any changes, or what are your thoughts on that? Yep. No. That no. That sounds good. That sounds Yep. Yep. Perfect. And when it comes fine. to Yeah. the income protection as well, you do have that, which will pay you a monthly amount of 6,152 if something were to happen, which does align pretty much with your income we have here. So if your income is at a 103,000, 70% of that on a monthly basis is about 6,008. So pretty close Yep. to what you are on there for your income protection, which is great. You do have the thirty day waiting period, five year benefit period, and you do get that 15% tax rebate. So all three is $3,712. Yep.","start_word":2404,"end_word":2679,"sentiment":"neutral","sentiment_score":0.10890003380136214},{"text":"And you're still happy with your income protection as well?","start_word":2680,"end_word":2689,"sentiment":"positive","sentiment_score":0.4724527597427368},{"text":"Yeah. Yeah. Yep.","start_word":2690,"end_word":2692,"sentiment":"neutral","sentiment_score":0.20610173046588895},{"text":"Yep. Beautiful.","start_word":2693,"end_word":2694,"sentiment":"positive","sentiment_score":0.5305703282356262},{"text":"Now if you can go to the next document for me, it should be your performance with IRR with hub twenty four. Yep. Yep.","start_word":2695,"end_word":2718,"sentiment":"neutral","sentiment_score":0.2339467406272888},{"text":"Perfect.","start_word":2719,"end_word":2719,"sentiment":"positive","sentiment_score":0.488136351108551},{"text":"Now that one here, it shows you your portfolio over the last twelve months. So it shows you from the August 15 last year through the August 14 this year. And it does give you a bit of an overview of your all individual investment and your performance of your portfolio. Now the last twelve months, we have obviously seen a bit of a bit of fluctuations in the market, which I'm sure you've heard and seen on the news as well with everything going on in The US and with the war and everything like that as well. So Yep. we have seen quite a bit of fluctuation. Now in saying that, though, overall, your portfolio has still done pretty well. So after fees, it's up at 7.37%, which is about 26,024, and that is just from your investment, so not contributions. Yeah. Cool. Yep.","start_word":2720,"end_word":2865,"sentiment":"neutral","sentiment_score":0.10364732146263124},{"text":"Perfect.","start_word":2866,"end_word":2866,"sentiment":"positive","sentiment_score":0.3904069066047669},{"text":"Now with your investments, though, so if you are on the first page there for me, can you Yep. see the second column to the right where it says internal rate of return? Yep. Yep. Perfect. So that breaks down the individual investments and how they have performed. Now Yep. the top one here, the Benelung Australian equity, if you are happy for me to do so, I would like to do a little bit more research on this investment and see if we wanna potentially swap it out for you. Yep. Because you can see that this one here is in bracket, which means that it is underperforming a little bit at the moment. Yes.","start_word":2867,"end_word":2982,"sentiment":"neutral","sentiment_score":0.05380531772971153},{"text":"So the good thing with hub twenty four is that they have hundreds of different investment options to choose from, and we also wanna be obviously proactive with the investments.","start_word":2983,"end_word":3012,"sentiment":"positive","sentiment_score":0.3539958894252777},{"text":"And if there is anything that is underperforming or we don't foresee coming back around or there's potentially better options out there for you, then we wanna obviously make sure we we do some research and potentially look at changing things for you if it's going to be the best for Does that make Yeah. sense? Cool. Yeah. Yeah. It does. Yeah.","start_word":3013,"end_word":3074,"sentiment":"neutral","sentiment_score":-0.04159015789628029},{"text":"Beautiful.","start_word":3075,"end_word":3075,"sentiment":"positive","sentiment_score":0.6275589466094971},{"text":"Are you happy for me to go and do that reset for you? Yeah. Yep. Yep. Yep.","start_word":3076,"end_word":3092,"sentiment":"neutral","sentiment_score":0.22211790084838867},{"text":"Great.","start_word":3093,"end_word":3093,"sentiment":"positive","sentiment_score":0.3842317461967468},{"text":"Any questions so far? Oh, that's pretty straightforward. No. That no. That's all. No. That's all. Yep. That's That's all good.","start_word":3094,"end_word":3114,"sentiment":"neutral","sentiment_score":0.11661990731954576},{"text":"all good.","start_word":3115,"end_word":3116,"sentiment":"positive","sentiment_score":0.3603766858577728},{"text":"Yep.","start_word":3117,"end_word":3117,"sentiment":"neutral","sentiment_score":0.19166100025177},{"text":"Perfect.","start_word":3118,"end_word":3118,"sentiment":"positive","sentiment_score":0.3529854416847229},{"text":"Now if you can click on the next document for me, it should be your Vanguard index chart, I believe. Yep. Yep. Perfect. Do you remember going through this last year at Oh, yeah. I see it. all? This rings a bell. Vaguely? Yeah. No. That's okay. So Vanguard does release one every year, which is great. The next one is due to come out any day now. So at the end of its financial year, they do a bit of an updated version. Essentially, it is a good visual representation of what we are talking about when we're talking about the market. It shows you kind of results from 1995 through to 2025, and it shows you all the ups and downs of the market. You can basically see that over the long term, market always goes up. For short term, you will have some ups and downs and market fluctuations. Yeah. Now it also breaks down the different asset classes on the right. So when we are then referring back to that growth portfolio for you, we typically see about 80% in a combination of your top four. So that is your US shares, which you can see is, like, your light green, your Australian shares, which is, like, your dark green, Yep. international shares, which is, like, the yellow line, and then the property, which is, like, that maroon color. Yep. So these are the ones you can see, obviously, grow the most, but they also fluctuate the most. And There. that's where that time frame comes into play, like I mentioned earlier as well, for for retirement. And then you do have about 20% in defensive. So, like, your bottom one's here, which you can see a little bit more stable to kind of limit those fluctuations a little bit, but they don't grow as much either. So we want a Yeah. bit Yeah. of a balance between the two. Does that make Yep. Yeah. It sense? Yep.","start_word":3119,"end_word":3450,"sentiment":"neutral","sentiment_score":0.07225557463804641},{"text":"Beautiful.","start_word":3451,"end_word":3451,"sentiment":"positive","sentiment_score":0.5411754250526428},{"text":"Now the next document should just be your certificate of currency does. Yeah. for your, Ascender, MLC insurances. Just Yep. a little bit more information that basically lets you know that's all paid and up to date for Cool. you. Yep. Now the next document should be your Oakview services guide. Yep. Yep.","start_word":3452,"end_word":3504,"sentiment":"neutral","sentiment_score":0.12349218130111694},{"text":"Perfect.","start_word":3505,"end_word":3505,"sentiment":"positive","sentiment_score":0.3765508234500885},{"text":"Again, you probably have seen this a couple of times. It is one of those compliance documents. Gives you all the important information in regards to us here at Oakview. Gives you information about the team or directors and our advisers. If you do wanna scroll down through page 10, you can actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yes. Yep. Perfect. Now I do wanna let you know we've had a bit of a bit of a change to our fee structure as well. So if you want to scroll down through page 17 for me, you should Yep. see Got it. was Yep. this ongoing service fee? Can you see that? Yep. Yep.","start_word":3506,"end_word":3630,"sentiment":"neutral","sentiment_score":0.12148092687129974},{"text":"Perfect. So in your instance, it it actually turned out a little bit cheaper for you, which is great.","start_word":3631,"end_word":3649,"sentiment":"positive","sentiment_score":0.4274990260601044},{"text":"So you can basically see here that the old fee structure, it was at the flat 1.65 from super. Yep. Now because of, obviously, superannuation as your balance grows and because you are in the you have money over 200,000, you can then see that it's kind of that tiered structure. Yeah. So it will mean, obviously, as your super balance grow, that kind of reduces and gets a little bit cheaper as your your money grows. Does that make sense? Yeah. Yep. Yep.","start_word":3650,"end_word":3733,"sentiment":"neutral","sentiment_score":0.13855854350896107},{"text":"Yep. Beautiful. So when I did the calculation between the old fee structure and the new one, the new one turns out a little bit cheaper for you, which is great.","start_word":3734,"end_word":3764,"sentiment":"positive","sentiment_score":0.4942949712276459},{"text":"But, otherwise, Yeah. it kind of stays the same, meaning that there's no lock in contract at any point in time. If you're not happy, there's no excess fees or anything like that. But, otherwise, yeah, there's a little change in that ongoing service fee for you. Do you have Yeah. any questions Cool. in regards to the changes there? No. No. No. No. No. That's all fine. Yep. Okay. Perfect. So on the next document, Matthew, it is then broken down in that ongoing service agreement. Can you see that? Yeah. I can. Yep.","start_word":3765,"end_word":3859,"sentiment":"neutral","sentiment_score":0.06680183112621307},{"text":"Perfect.","start_word":3860,"end_word":3860,"sentiment":"positive","sentiment_score":0.372936338186264},{"text":"So this one here, if you're happy to do so, it will ask for your signature, and that is just to say that you are happy to stay on as a client. Now like I mentioned, it is not a lock in contract at any point, any way, shape, or form. But by signing this, it just allows us to manage all your investments and superinsurance and everything for you in the meantime. Yep. Cool. Yep. Perfect. So, yeah, if you're happy to do so, it will ask for a little signature at the bottom there. Yep. Done. Perfect. And that should be everything, I believe. So when you added the signature, does it say validate? Yeah. Yeah. And and send completed document. Yep. Perfect. Yep. So I'll just kinda refresh that online to see if that comes through. While I do wait for that to come through, while I have you on the phone, I'll book in the next catch up for to go through the research Yep. on your investments if we wanted to make any changes to anything. So, Matthew, when is typically a best time for yourself to go through that? And it won't take us as long as today. Well yeah. Well, how how long or, like, a way will you need? Like, how long I've like, when do you reckon, you know, yeah. we could have a chat? So Habitat. So it Yeah. probably takes me about a week or so to put together. So I Yep. could do any time from Wednesday, Thursday next week Yeah. if I'll any I'll of those work. yeah. My I'm actually away next week, so we can Okay. probably do the week after. The week after? Yes. Perfect. Yeah. Now I do have some availability still. So do you have a preference on the Monday to Thursday? Which day works to be good best for you? Thursday. That week, Thursday? I've got nothing on. Okay. Perfect. Yeah. Now let me have a look. I could do either 12:00 or I could do 02:00 or 04:00. Pro pro I'll do 12:00. 12:00? Okay.","start_word":3861,"end_word":4215,"sentiment":"neutral","sentiment_score":0.10127910249669787},{"text":"Beautiful.","start_word":4216,"end_word":4216,"sentiment":"positive","sentiment_score":0.410381555557251},{"text":"Yeah. I will book that in on Thursday, September 3, which is crazy that it's September I know. almost already I know. I know. It's at, shocking. yeah, at 12PM. Now Yep. if anything does change and you can't make the appointment, just let me know, and we can always get that rescheduled for you. Otherwise, in the meantime, I will get my team to post out sorry, email those beneficiary forms for you so we can get that sorted. Yep. But do you have any other questions for me at this point before I let you go and get on with your day? No. No. I'm I'm No? I'm a okay. So yeah. Yes.","start_word":4217,"end_word":4331,"sentiment":"neutral","sentiment_score":0.026297319680452347},{"text":"I'm all good. Beautiful. Well, I will let you go, and, hopefully, the rest of your day is good and not too busy for you.","start_word":4332,"end_word":4356,"sentiment":"positive","sentiment_score":0.538690447807312},{"text":"But if you need anything between now and Thursday, September 3, don't hesitate to give us a call or send me an email. Okay?","start_word":4357,"end_word":4380,"sentiment":"neutral","sentiment_score":0.12899714118490616},{"text":"That's my worst.","start_word":4381,"end_word":4383,"sentiment":"negative","sentiment_score":-0.7053195834159851},{"text":"No problem at all.","start_word":4384,"end_word":4387,"sentiment":"neutral","sentiment_score":-0.14427950978279114},{"text":"Well, thank you so much for your time today, Matthew. It was lovely speaking with you, and I look forward to speaking with you on Thursday, the third. Thank you very much. This is Salazar.","start_word":4388,"end_word":4422,"sentiment":"positive","sentiment_score":0.732742428779602},{"text":"Mhmm. See you later. Yep. Bye. Bye.","start_word":4423,"end_word":4429,"sentiment":"neutral","sentiment_score":0.1751634031534195}],"average":{"sentiment":"neutral","sentiment_score":0.08653123082374838}}}}