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That's the 1971, and it's 2 Roycroft Place, Adenza Park 2176. Okay. Now I see here. I got fucking shit off your head, and you're fucking idiot. That you can see. I'll take it off it. Oh, yeah. Yeah. No worries. It's a car? Yeah. Okay. Yep. It just seems like the money just goes it's not going any further. When I first joined, it it rocketed, and then and now it's like it's hovering up and down, up and down, up and down doing nothing wrong. Yeah. Yes. Yes. So that's that's the whole reason I joined you, fellas, because I hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do. Yeah. Yeah. Well, like I said, you just need to make the decision because I I don't know what I'm invested in and then, like, I I might look at this every three months, my my statement or whatever that on my phone and stuff like that. It's not something I look at it every day. Yeah. Yeah. Because all I got is a mobile phone. I haven't even got a downloaded on a laptop or iPad or something to see it better or whatever. Just make that's why it makes it difficult for me to look at something like that. Yeah. Yeah. Yeah. Well, like, you know, I'm a person that just really goes with the flow, like, you know, I'll I'll probably won't even read it. I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I didn't go to school that for that long. And when I was in school, I was at the headmaster's office all the time, mate. Yeah. Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money. But I don't wanna leave it to a long time. Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment. Yeah. What do you mean by that? Like, you you can invest in something that's gonna make me the money. Yeah. Well, my income pays my bills and stuff like that, and I only whatever my boss puts in, that's all that goes in is because, like, you know, I'm I personally day by day. I've got bills. I've got child support. I've got all the other stuff I have to pay before I can even really add to my superannuation. But maybe another four years before my I stopped paying child support with it. Maybe I can put that into more money into my retirement. But, you know, I'll get you know, by the end of the month, when I get paid, I'll just have barely enough money. Oh, my what am I gonna do? There's a car coming, mate. Yeah. No. No. It's 2 Roycroft Place, Podenza Farm. Adenza, P D E N. Well, the other day when the lady was speaking to me, she said you had that address, and I just to the other seller, I just called. I just gave me my date of birth and that address, and Okay. Okay. Alright. Thank you. Yes. Yes. I'm married now. No. She wouldn't be you know, she's got her own super her own thing, and and I haven't got a number. I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that. Maybe next time I speak or I can have a look or whatever. Okay. Yep. Yes. Well, the company's changed name now. It's a it's Acentis now. Acentis, a n e s t I s. Yes. Yeah. Thirty eight. Like, I do overtime, but, like, you know, I only get paid for I I get a phone, you know, full time, so you get paid for your thirty eight hours. If you do any more thing more, like Been with the company twenty two years. No. No. Well, the last probably seven years or whatever that I've been truck driving. Delivering doing delivery in a little truck or whatever. Yes. Yeah. It's all around. Yeah. All around Sydney. Sometimes I might go out of Sydney a couple of times, but that's very rarely. I think it's a little bit more, mate, now. Could be that twice around that. Yeah. Between 76 to 80, I think. Something like that. The same, like, you know, my everything's on digital now and, like, if the money's in the bank, it's in the bank, mate. I don't even look at my payslip or whatever. Like, just like I said, I didn't go to school that long, mate, and I can't that's if my if my wife doesn't help me out with it, I don't know what I'm doing. No. Not really. We have our you know, we pay, you know, what I have to pay, I have to pay, and, you know, what you know, go through with the rent and all the, you know, the bills and stuff like that. And but Yes. Yes. Yeah. Well, that's that's that's on my side because, yeah, we haven't we we not haven't got a joint account or nothing like that yet. No. No. I don't know anything's gonna. Pay that off the car. Pay that off. No. I don't know. Yes? Yeah. Yeah. Yeah. I've got a I've got a that I don't know. Do I have to tell you how much I got in there, or what is it like? You know? Oh, it's not that I have oh, sorry. I don't I have a 10,000 anymore. No. I'm not too sure. It would have been if I was young. Like but but Beg your pardon? I think I think it was, like, when I was 18 or something. I can't even remember. Like like, I don't I'm not too sure. I think I think I was supposed to. I think I was, but my boss now helped me out and paid it off, like, what I had to do, and I just to pay him back. It's like, you know, it would have been, you know, like, I don't even remember what I've done yesterday, mate. Like, I'll wake up and it's, you know yeah. I know these sometimes, you know, then it was a long time ago anyway. Yeah. Yeah. Yeah. Yeah. I'm still the same on FICO and everything on it. No. It's not. No. Not yet. We're working on something, but not at the moment. Oh, I'm already. So that's it. I might have. I don't even know. So I think we might have. But, man, I have to double check the next time I'll find out if we have something else. I know I've got my passport and stuff like that, but I'm not too sure he added a wheel and all that kind of stuff at the same time. Yeah. Yeah. That's Yeah. It's gotta be to Marquis, isn't it? Yeah. Yeah. Well, she did the same, and I think, like, you know, she's got two kids herself, and I've got two kids, and it'll be the same, like, you know, like, it's different. Yeah. Yeah. Well, we're doing stuff this year. Another cruise in June, and we've got more holidays in August where we're probably going to either the where is it? Fiji or the Cook Islands or something like that. We were supposed to go to Malta in August, but with what's happening and that in Europe and stuff and, like, if we I watched it. Everything's happening. We'll probably wait till next year to do something like that. We do talk about it. Like, now we're both, like, you know, we've got the partner and she's got a good job and I've got my job and, like, we do look at it and talk about it, but, like, you know, it's not easy to get that down deposit and stuff like that, whatever we need at home. Okay. Yeah. Yeah. Yeah. I can tell her that. Yep. Yes. Yes. Yes. That sounds good. Yeah. Yeah. Yeah. Not at the moment. Yeah. Maybe maybe I might do it next year or something like that. What's what's that what's the benefit of having insurance? Okay. Okay. So if anything that happens to me, like that, I I won't be able to get in use any of my super. Okay. Maybe next time, I'll get a a bill when I got my wife beside me, so she she'd understand it more than me. Yep. Yep. Alright. No. Yeah. Whatever you decide. Yeah. I don't care. Like, if if it's a good thing, go for it. Yeah. Yeah. Well, like, last time, I didn't even realize I lost $10 or whatever. Well, the case was The last thing was on or $20 or something. Like I said, mate, like, sometimes I forget I was I've got a super. I wasn't till I realized me missus said, oh, she was talking about someone at her work, and I said, oh, shit. I better check mine. And you didn't know. Oh, shit. They're there. I lost $20. You know? It's not something I go into every day. You know? Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late. Yeah. Yeah. Yeah. Okay. Not too good. Yeah. Okay. Yep. Yep. No. No. Not really. Yes. Okay. No worries. Yeah. Yeah. It's all good. Yep. Yep. No. No. No. Not really. Okay. Okay. No worries. How many days have I got to to do that? Okay. Yeah. Yep. Okay. Thank you. You have a great one too, Carl. Okay. Bye. 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How are we going? It's Terry. I had a phone call, and I you said you called me back in five minutes. I think so.\n\nYeah. Yeah. Yeah. 02:30. Okay.\n\nThat's the 1971, and it's 2 Roycroft Place, Adenza Park 2176. Okay. Now I see here. I got fucking shit off your head, and you're fucking idiot. That you can see.\n\nI'll take it off it. Oh, yeah. Yeah. No worries. It's a car?\n\nYeah. Okay. Yep. It just seems like the money just goes it's not going any further. When I first joined, it it rocketed, and then and now it's like it's hovering up and down, up and down, up and down doing nothing wrong.\n\nYeah. Yes. Yes. So that's that's the whole reason I joined you, fellas, because I hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do. Yeah.\n\nYeah. Well, like I said, you just need to make the decision because I I don't know what I'm invested in and then, like, I I might look at this every three months, my my statement or whatever that on my phone and stuff like that. It's not something I look at it every day. Yeah. Yeah.\n\nBecause all I got is a mobile phone. I haven't even got a downloaded on a laptop or iPad or something to see it better or whatever. Just make that's why it makes it difficult for me to look at something like that. Yeah. Yeah.\n\nYeah. Well, like, you know, I'm a person that just really goes with the flow, like, you know, I'll I'll probably won't even read it. I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I didn't go to school that for that long. And when I was in school, I was at the headmaster's office all the time, mate. Yeah.\n\nWell, like like I said, I'm hoping you fellas because the loan is gonna make me the money money. But I don't wanna leave it to a long time. Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment. Yeah. What do you mean by that?\n\nLike, you you can invest in something that's gonna make me the money. Yeah. Well, my income pays my bills and stuff like that, and I only whatever my boss puts in, that's all that goes in is because, like, you know, I'm I personally day by day. I've got bills. I've got child support.\n\nI've got all the other stuff I have to pay before I can even really add to my superannuation. But maybe another four years before my I stopped paying child support with it. Maybe I can put that into more money into my retirement. But, you know, I'll get you know, by the end of the month, when I get paid, I'll just have barely enough money. Oh, my what am I gonna do?\n\nThere's a car coming, mate. Yeah. No. No. It's 2 Roycroft Place, Podenza Farm.\n\nAdenza, P D E N. Well, the other day when the lady was speaking to me, she said you had that address, and I just to the other seller, I just called. I just gave me my date of birth and that address, and Okay. Okay. Alright.\n\nThank you. Yes. Yes. I'm married now. No.\n\nShe wouldn't be you know, she's got her own super her own thing, and and I haven't got a number. I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that. Maybe next time I speak or I can have a look or whatever. Okay. Yep.\n\nYes. Well, the company's changed name now. It's a it's Acentis now. Acentis, a n e s t I s. Yes.\n\nYeah. Thirty eight. Like, I do overtime, but, like, you know, I only get paid for I I get a phone, you know, full time, so you get paid for your thirty eight hours. If you do any more thing more, like Been with the company twenty two years. No.\n\nNo. Well, the last probably seven years or whatever that I've been truck driving. Delivering doing delivery in a little truck or whatever. Yes. Yeah.\n\nIt's all around. Yeah. All around Sydney. Sometimes I might go out of Sydney a couple of times, but that's very rarely. I think it's a little bit more, mate, now.\n\nCould be that twice around that. Yeah. Between 76 to 80, I think. Something like that. The same, like, you know, my everything's on digital now and, like, if the money's in the bank, it's in the bank, mate.\n\nI don't even look at my payslip or whatever. Like, just like I said, I didn't go to school that long, mate, and I can't that's if my if my wife doesn't help me out with it, I don't know what I'm doing. No. Not really. We have our you know, we pay, you know, what I have to pay, I have to pay, and, you know, what you know, go through with the rent and all the, you know, the bills and stuff like that.\n\nAnd but Yes. Yes. Yeah. Well, that's that's that's on my side because, yeah, we haven't we we not haven't got a joint account or nothing like that yet. No.\n\nNo. I don't know anything's gonna. Pay that off the car. Pay that off. No.\n\nI don't know. Yes? Yeah. Yeah. Yeah.\n\nI've got a I've got a that I don't know. Do I have to tell you how much I got in there, or what is it like? You know? Oh, it's not that I have oh, sorry. I don't I have a 10,000 anymore.\n\nNo. I'm not too sure. It would have been if I was young. Like but but Beg your pardon? I think I think it was, like, when I was 18 or something.\n\nI can't even remember. Like like, I don't I'm not too sure. I think I think I was supposed to. I think I was, but my boss now helped me out and paid it off, like, what I had to do, and I just to pay him back. It's like, you know, it would have been, you know, like, I don't even remember what I've done yesterday, mate.\n\nLike, I'll wake up and it's, you know yeah. I know these sometimes, you know, then it was a long time ago anyway. Yeah. Yeah. Yeah.\n\nYeah. I'm still the same on FICO and everything on it. No. It's not. No.\n\nNot yet. We're working on something, but not at the moment. Oh, I'm already. So that's it. I might have.\n\nI don't even know. So I think we might have. But, man, I have to double check the next time I'll find out if we have something else. I know I've got my passport and stuff like that, but I'm not too sure he added a wheel and all that kind of stuff at the same time. Yeah.\n\nYeah. That's Yeah. It's gotta be to Marquis, isn't it? Yeah. Yeah.\n\nWell, she did the same, and I think, like, you know, she's got two kids herself, and I've got two kids, and it'll be the same, like, you know, like, it's different. Yeah. Yeah. Well, we're doing stuff this year. Another cruise in June, and we've got more holidays in August where we're probably going to either the where is it?\n\nFiji or the Cook Islands or something like that. We were supposed to go to Malta in August, but with what's happening and that in Europe and stuff and, like, if we I watched it. Everything's happening. We'll probably wait till next year to do something like that. We do talk about it.\n\nLike, now we're both, like, you know, we've got the partner and she's got a good job and I've got my job and, like, we do look at it and talk about it, but, like, you know, it's not easy to get that down deposit and stuff like that, whatever we need at home. Okay. Yeah. Yeah. Yeah.\n\nI can tell her that. Yep. Yes. Yes. Yes.\n\nThat sounds good. Yeah. Yeah. Yeah. Not at the moment.\n\nYeah. Maybe maybe I might do it next year or something like that. What's what's that what's the benefit of having insurance? Okay. Okay.\n\nSo if anything that happens to me, like that, I I won't be able to get in use any of my super. Okay. Maybe next time, I'll get a a bill when I got my wife beside me, so she she'd understand it more than me. Yep. Yep.\n\nAlright. No. Yeah. Whatever you decide. Yeah.\n\nI don't care. Like, if if it's a good thing, go for it. Yeah. Yeah. Well, like, last time, I didn't even realize I lost $10 or whatever.\n\nWell, the case was The last thing was on or $20 or something. Like I said, mate, like, sometimes I forget I was I've got a super. I wasn't till I realized me missus said, oh, she was talking about someone at her work, and I said, oh, shit. I better check mine. And you didn't know.\n\nOh, shit. They're there. I lost $20. You know? It's not something I go into every day.\n\nYou know? Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late. Yeah. Yeah. Yeah.\n\nOkay. Not too good. Yeah. Okay. Yep.\n\nYep. No. No. Not really. Yes.\n\nOkay. No worries. Yeah. Yeah. It's all good.\n\nYep. Yep. No. No. No.\n\nNot really. Okay. Okay. No worries. How many days have I got to to do that?\n\nOkay. Yeah. Yep. Okay. Thank you.\n\nYou have a great one too, Carl. Okay. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.13979458808898926},{"text":"How are we going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.1799338199198246},{"text":"It's Terry.","start":8.08,"end":8.88,"sentiment":"neutral","sentiment_score":0.05559201538562775},{"text":"I had a phone call, and I you said you called me back in five minutes.","start":8.88,"end":13.219999,"sentiment":"neutral","sentiment_score":-0.0051925721345469356},{"text":"I think so.","start":21.105,"end":21.825,"sentiment":"neutral","sentiment_score":0.10613121589024861}],"sentiment":"neutral","sentiment_score":0.046385630463751465,"num_words":26,"start":5.92,"end":21.825},{"sentences":[{"text":"Yeah.","start":21.825,"end":22.064999,"sentiment":"neutral","sentiment_score":0.0848245918750763},{"text":"Yeah.","start":22.064999,"end":22.564999,"sentiment":"neutral","sentiment_score":0.08578040450811386},{"text":"Yeah.","start":26.865,"end":27.345,"sentiment":"neutral","sentiment_score":0.044007185846567154},{"text":"02:30.","start":27.345,"end":28.165,"sentiment":"neutral","sentiment_score":0.04010462015867233},{"text":"Okay.","start":41.355,"end":41.855,"sentiment":"neutral","sentiment_score":0.03913025930523872}],"sentiment":"neutral","sentiment_score":0.05876941233873367,"num_words":5,"start":21.825,"end":41.855},{"sentences":[{"text":"That's the 1971, and it's 2 Roycroft Place, Adenza Park 2176.","start":42.155,"end":52.495,"sentiment":"neutral","sentiment_score":0.03435492989691821},{"text":"Okay.","start":62.0,"end":62.32,"sentiment":"neutral","sentiment_score":0.027854740619659424},{"text":"Now I see here.","start":62.32,"end":63.379997,"sentiment":"neutral","sentiment_score":0.006976961391046643},{"text":"I got fucking shit off your head, and you're fucking idiot.","start":89.28,"end":93.06,"sentiment":"neutral","sentiment_score":-0.1616684699600393},{"text":"That you can see.","start":94.0,"end":95.14,"sentiment":"neutral","sentiment_score":0.053512022364884615}],"sentiment":"neutral","sentiment_score":-0.036472202098417665,"num_words":31,"start":42.155,"end":95.14},{"sentences":[{"text":"I'll take it off it.","start":103.545,"end":109.545,"sentiment":"neutral","sentiment_score":-0.06034688986837864},{"text":"Oh, yeah.","start":109.545,"end":109.865005,"sentiment":"neutral","sentiment_score":0.0070331343449652195},{"text":"Yeah.","start":109.865005,"end":110.345,"sentiment":"neutral","sentiment_score":0.015203364193439484},{"text":"No worries.","start":110.345,"end":110.705,"sentiment":"neutral","sentiment_score":0.014673516154289246},{"text":"It's a car?","start":110.705,"end":111.725,"sentiment":"neutral","sentiment_score":-0.0032260331014792123}],"sentiment":"neutral","sentiment_score":-0.019445837188798647,"num_words":13,"start":103.545,"end":111.725},{"sentences":[{"text":"Yeah.","start":113.305,"end":113.625,"sentiment":"neutral","sentiment_score":0.028047963976860046},{"text":"Okay.","start":113.625,"end":113.945,"sentiment":"neutral","sentiment_score":0.07510767132043839},{"text":"Yep.","start":113.945,"end":114.445,"sentiment":"neutral","sentiment_score":0.15282055735588074},{"text":"It just seems like the money just goes it's not going any further.","start":140.71,"end":144.07,"sentiment":"negative","sentiment_score":-0.4637229075798622},{"text":"When I first joined, it it rocketed, and then and now it's like it's hovering up and down, up and down, up and down doing nothing wrong.","start":144.07,"end":153.53,"sentiment":"negative","sentiment_score":-0.3493009761527733}],"sentiment":"negative","sentiment_score":-0.3535708828374397,"num_words":43,"start":113.305,"end":153.53},{"sentences":[{"text":"Yeah.","start":180.405,"end":180.905,"sentiment":"neutral","sentiment_score":-0.3223767876625061},{"text":"Yes.","start":214.005,"end":214.325,"sentiment":"neutral","sentiment_score":0.19993190467357635},{"text":"Yes.","start":214.325,"end":214.565,"sentiment":"neutral","sentiment_score":0.3080369830131531},{"text":"So that's that's the whole reason I joined you, fellas, because I hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do.","start":214.565,"end":235.17,"sentiment":"positive","sentiment_score":0.37302622622970877},{"text":"Yeah.","start":268.955,"end":269.275,"sentiment":"neutral","sentiment_score":-0.009079981595277786}],"sentiment":"positive","sentiment_score":0.35180698773793634,"num_words":62,"start":180.405,"end":269.275},{"sentences":[{"text":"Yeah.","start":269.275,"end":269.595,"sentiment":"neutral","sentiment_score":0.009335532784461977},{"text":"Well, like I said, you just need to make the decision because I I don't know what I'm invested in and then, like, I I might look at this every three months, my my statement or whatever that on my phone and stuff like that.","start":269.595,"end":284.96,"sentiment":"neutral","sentiment_score":-0.09875014300147693},{"text":"It's not something I look at it every day.","start":284.96,"end":286.98,"sentiment":"neutral","sentiment_score":-0.21637117365996042},{"text":"Yeah.","start":311.08002,"end":311.32,"sentiment":"neutral","sentiment_score":0.022182635962963104},{"text":"Yeah.","start":311.32,"end":311.56,"sentiment":"neutral","sentiment_score":-0.003835206851363182}],"sentiment":"neutral","sentiment_score":-0.1116388427387727,"num_words":57,"start":269.275,"end":311.56},{"sentences":[{"text":"Because all I got is a mobile phone.","start":311.56,"end":313.96,"sentiment":"neutral","sentiment_score":-0.10767179541289806},{"text":"I haven't even got a downloaded on a laptop or iPad or something to see it better or whatever.","start":313.96,"end":321.82498,"sentiment":"neutral","sentiment_score":-0.10577901139071114},{"text":"Just make that's why it makes it difficult for me to look at something like that.","start":322.845,"end":326.79498,"sentiment":"neutral","sentiment_score":-0.2866018321365118},{"text":"Yeah.","start":346.03,"end":346.53,"sentiment":"neutral","sentiment_score":0.1060730442404747},{"text":"Yeah.","start":351.655,"end":351.895,"sentiment":"neutral","sentiment_score":0.08814168721437454}],"sentiment":"neutral","sentiment_score":-0.16139089249902303,"num_words":45,"start":311.56,"end":351.895},{"sentences":[{"text":"Yeah.","start":351.895,"end":352.295,"sentiment":"neutral","sentiment_score":0.174928218126297},{"text":"Well, like, you know, I'm a person that just really goes with the flow, like, you know, I'll I'll probably won't even read it.","start":352.295,"end":360.615,"sentiment":"neutral","sentiment_score":0.21693508373573422},{"text":"I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I didn't go to school that for that long.","start":360.615,"end":371.75,"sentiment":"neutral","sentiment_score":-0.1490127792848008},{"text":"And when I was in school, I was at the headmaster's office all the time, mate.","start":371.75,"end":375.85,"sentiment":"neutral","sentiment_score":-0.02206794044468552},{"text":"Yeah.","start":398.90002,"end":399.14,"sentiment":"neutral","sentiment_score":0.15923333168029785}],"sentiment":"neutral","sentiment_score":0.014502267033926078,"num_words":70,"start":351.895,"end":399.14},{"sentences":[{"text":"Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money.","start":399.14,"end":404.61002,"sentiment":"neutral","sentiment_score":0.13948077904550651},{"text":"But I don't wanna leave it to a long time.","start":405.20502,"end":408.24503,"sentiment":"neutral","sentiment_score":-0.2797050759196281},{"text":"Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment.","start":408.24503,"end":413.625,"sentiment":"neutral","sentiment_score":-0.2861835539340973},{"text":"Yeah.","start":426.86,"end":427.09998,"sentiment":"neutral","sentiment_score":0.12861233949661255},{"text":"What do you mean by that?","start":427.09998,"end":428.06,"sentiment":"neutral","sentiment_score":0.07507230217258136}],"sentiment":"neutral","sentiment_score":-0.09449180149074111,"num_words":56,"start":399.14,"end":428.06},{"sentences":[{"text":"Like, you you can invest in something that's gonna make me the money.","start":428.06,"end":431.65997,"sentiment":"neutral","sentiment_score":0.23984834666435534},{"text":"Yeah.","start":431.65997,"end":432.15997,"sentiment":"neutral","sentiment_score":0.0750216618180275},{"text":"Well, my income pays my bills and stuff like that, and I only whatever my boss puts in, that's all that goes in is because, like, you know, I'm I personally day by day.","start":439.025,"end":450.0,"sentiment":"neutral","sentiment_score":0.08207334994393237},{"text":"I've got bills.","start":450.0,"end":450.72,"sentiment":"neutral","sentiment_score":0.03577029953400294},{"text":"I've got child support.","start":450.72,"end":451.75998,"sentiment":"neutral","sentiment_score":-0.028836327604949474}],"sentiment":"neutral","sentiment_score":0.10864563008601015,"num_words":55,"start":428.06,"end":451.75998},{"sentences":[{"text":"I've got all the other stuff I have to pay before I can even really add to my superannuation.","start":451.75998,"end":457.62,"sentiment":"neutral","sentiment_score":-0.05746487890811343},{"text":"But maybe another four years before my I stopped paying child support with it.","start":459.36,"end":466.165,"sentiment":"neutral","sentiment_score":-0.147394665649959},{"text":"Maybe I can put that into more money into my retirement.","start":466.625,"end":471.445,"sentiment":"neutral","sentiment_score":0.03770542347973043},{"text":"But, you know, I'll get you know, by the end of the month, when I get paid, I'll just have barely enough money.","start":471.665,"end":480.28,"sentiment":"neutral","sentiment_score":-0.3237712253694949},{"text":"Oh, my what am I gonna do?","start":480.34,"end":481.78,"sentiment":"neutral","sentiment_score":-0.09284129845244544}],"sentiment":"neutral","sentiment_score":-0.1464489950370547,"num_words":74,"start":451.75998,"end":481.78},{"sentences":[{"text":"There's a car coming, mate.","start":481.78,"end":483.0,"sentiment":"neutral","sentiment_score":-0.06043776795268059},{"text":"Yeah.","start":483.69998,"end":484.19998,"sentiment":"neutral","sentiment_score":0.03885582834482193},{"text":"No.","start":502.565,"end":502.885,"sentiment":"neutral","sentiment_score":-0.05683267116546631},{"text":"No.","start":502.885,"end":503.125,"sentiment":"neutral","sentiment_score":-0.04497344046831131},{"text":"It's 2 Roycroft Place, Podenza Farm.","start":503.125,"end":507.225,"sentiment":"neutral","sentiment_score":-0.021441951859742403}],"sentiment":"neutral","sentiment_score":-0.035270773872200935,"num_words":14,"start":481.78,"end":507.225},{"sentences":[{"text":"Adenza, P D E N.","start":523.625,"end":526.29504,"sentiment":"neutral","sentiment_score":-0.01850342620164156},{"text":"Well, the other day when the lady was speaking to me, she said you had that address, and I just to the other seller, I just called.","start":549.95,"end":558.915,"sentiment":"neutral","sentiment_score":-0.07066636284192403},{"text":"I just gave me my date of birth and that address, and Okay.","start":558.915,"end":599.43,"sentiment":"neutral","sentiment_score":-0.011534851044416428},{"text":"Okay.","start":612.345,"end":612.845,"sentiment":"neutral","sentiment_score":0.18425284326076508},{"text":"Alright.","start":613.38495,"end":613.785,"sentiment":"neutral","sentiment_score":0.2979062795639038}],"sentiment":"neutral","sentiment_score":-0.035495805712614924,"num_words":47,"start":523.625,"end":613.785},{"sentences":[{"text":"Thank you.","start":613.785,"end":614.52496,"sentiment":"positive","sentiment_score":0.5544261932373047},{"text":"Yes.","start":621.46497,"end":621.785,"sentiment":"neutral","sentiment_score":0.02638889290392399},{"text":"Yes.","start":621.785,"end":622.285,"sentiment":"neutral","sentiment_score":0.028383981436491013},{"text":"I'm married now.","start":622.425,"end":623.485,"sentiment":"neutral","sentiment_score":0.02808639903863271},{"text":"No.","start":642.405,"end":642.805,"sentiment":"neutral","sentiment_score":-0.14088575541973114}],"sentiment":"neutral","sentiment_score":0.13837483781389892,"num_words":8,"start":613.785,"end":642.805},{"sentences":[{"text":"She wouldn't be you know, she's got her own super her own thing, and and I haven't got a number.","start":642.805,"end":650.405,"sentiment":"neutral","sentiment_score":-0.18117118775844573},{"text":"I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that.","start":650.405,"end":659.09,"sentiment":"neutral","sentiment_score":-0.10880594020304472},{"text":"Maybe next time I speak or I can have a look or whatever.","start":665.005,"end":669.425,"sentiment":"neutral","sentiment_score":-0.009684409373081647},{"text":"Okay.","start":683.32,"end":683.82,"sentiment":"neutral","sentiment_score":0.12092308700084686},{"text":"Yep.","start":684.84,"end":685.34,"sentiment":"neutral","sentiment_score":0.13602809607982635}],"sentiment":"neutral","sentiment_score":-0.10336045721738503,"num_words":58,"start":642.805,"end":685.34},{"sentences":[{"text":"Yes.","start":692.895,"end":693.395,"sentiment":"neutral","sentiment_score":0.06679365038871765},{"text":"Well, the company's changed name now.","start":700.335,"end":702.255,"sentiment":"neutral","sentiment_score":0.009756565404435},{"text":"It's a it's Acentis now.","start":702.255,"end":704.35504,"sentiment":"neutral","sentiment_score":0.031248543225228787},{"text":"Acentis, a n e s t I s.","start":707.84,"end":711.78,"sentiment":"neutral","sentiment_score":0.02554469322785735},{"text":"Yes.","start":725.17505,"end":725.67505,"sentiment":"neutral","sentiment_score":0.1964138150215149}],"sentiment":"neutral","sentiment_score":0.03249271998980215,"num_words":21,"start":692.895,"end":725.67505},{"sentences":[{"text":"Yeah.","start":732.695,"end":733.09503,"sentiment":"neutral","sentiment_score":0.048398345708847046},{"text":"Thirty eight.","start":733.09503,"end":733.73505,"sentiment":"neutral","sentiment_score":0.037992410361766815},{"text":"Like, I do overtime, but, like, you know, I only get paid for I I get a phone, you know, full time, so you get paid for your thirty eight hours.","start":733.73505,"end":743.05,"sentiment":"neutral","sentiment_score":0.09497801695139177},{"text":"If you do any more thing more, like Been with the company twenty two years.","start":743.05,"end":759.71497,"sentiment":"neutral","sentiment_score":0.01264272357026736},{"text":"No.","start":775.52997,"end":775.77,"sentiment":"neutral","sentiment_score":-0.07172874361276627}],"sentiment":"neutral","sentiment_score":0.06373227603733539,"num_words":50,"start":732.695,"end":775.77},{"sentences":[{"text":"No.","start":775.77,"end":776.17,"sentiment":"neutral","sentiment_score":-0.07357669621706009},{"text":"Well, the last probably seven years or whatever that I've been truck driving.","start":776.17,"end":782.695,"sentiment":"neutral","sentiment_score":-0.03485888787187063},{"text":"Delivering doing delivery in a little truck or whatever.","start":787.235,"end":790.375,"sentiment":"neutral","sentiment_score":-0.00020597952728470167},{"text":"Yes.","start":794.04,"end":794.54,"sentiment":"neutral","sentiment_score":0.015447486191987991},{"text":"Yeah.","start":794.6,"end":794.76,"sentiment":"neutral","sentiment_score":0.01043701171875}],"sentiment":"neutral","sentiment_score":-0.020108462255448104,"num_words":25,"start":775.77,"end":794.76},{"sentences":[{"text":"It's all around.","start":794.76,"end":795.48,"sentiment":"neutral","sentiment_score":0.0031966742438574633},{"text":"Yeah.","start":795.48,"end":795.8,"sentiment":"neutral","sentiment_score":-0.000031439587473869324},{"text":"All around Sydney.","start":795.8,"end":796.77997,"sentiment":"neutral","sentiment_score":-0.0018382060031096141},{"text":"Sometimes I might go out of Sydney a couple of times, but that's very rarely.","start":797.96,"end":801.58,"sentiment":"neutral","sentiment_score":-0.018075800128281118},{"text":"I think it's a little bit more, mate, now.","start":816.095,"end":818.435,"sentiment":"neutral","sentiment_score":-0.0488238912075758}],"sentiment":"neutral","sentiment_score":-0.022790582505084814,"num_words":31,"start":794.76,"end":818.435},{"sentences":[{"text":"Could be that twice around that.","start":819.855,"end":821.45496,"sentiment":"neutral","sentiment_score":-0.02416125126183033},{"text":"Yeah.","start":821.45496,"end":821.77496,"sentiment":"neutral","sentiment_score":-0.003707991912961006},{"text":"Between 76 to 80, I think.","start":821.77496,"end":823.95496,"sentiment":"neutral","sentiment_score":-0.011769328266382217},{"text":"Something like that.","start":824.07,"end":830.23,"sentiment":"neutral","sentiment_score":-0.03976058028638363},{"text":"The same, like, you know, my everything's on digital now and, like, if the money's in the bank, it's in the bank, mate.","start":830.23,"end":838.085,"sentiment":"neutral","sentiment_score":-0.06955925051284872}],"sentiment":"neutral","sentiment_score":-0.049703486454792514,"num_words":39,"start":819.855,"end":838.085},{"sentences":[{"text":"I don't even look at my payslip or whatever.","start":838.085,"end":840.605,"sentiment":"neutral","sentiment_score":-0.10010013894902335},{"text":"Like, just like I said, I didn't go to school that long, mate, and I can't that's if my if my wife doesn't help me out with it, I don't know what I'm doing.","start":840.605,"end":851.78503,"sentiment":"neutral","sentiment_score":-0.16381976600078976},{"text":"No.","start":859.42,"end":859.82,"sentiment":"neutral","sentiment_score":-0.21354947984218595},{"text":"Not really.","start":859.82,"end":860.46,"sentiment":"neutral","sentiment_score":-0.19289541989564896},{"text":"We have our you know, we pay, you know, what I have to pay, I have to pay, and, you know, what you know, go through with the rent and all the, you 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know?","start":949.41003,"end":950.15,"sentiment":"neutral","sentiment_score":-0.021425862796604633},{"text":"Oh, it's not that I have oh, sorry.","start":954.105,"end":958.82495,"sentiment":"neutral","sentiment_score":-0.23786238674074411},{"text":"I don't I have a 10,000 anymore.","start":958.82495,"end":960.925,"sentiment":"neutral","sentiment_score":-0.05733420806271689}],"sentiment":"neutral","sentiment_score":-0.07946276802315631,"num_words":44,"start":939.73004,"end":960.925},{"sentences":[{"text":"No.","start":982.53503,"end":983.015,"sentiment":"neutral","sentiment_score":-0.15060478448867798},{"text":"I'm not too sure.","start":983.015,"end":983.895,"sentiment":"neutral","sentiment_score":-0.19486749917268753},{"text":"It would have been if I was young.","start":983.895,"end":985.655,"sentiment":"neutral","sentiment_score":-0.15630009397864342},{"text":"Like but but Beg your 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anyway.","start":1029.24,"end":1032.78,"sentiment":"neutral","sentiment_score":-0.04899575055709907},{"text":"Yeah.","start":1038.615,"end":1039.015,"sentiment":"neutral","sentiment_score":0.057893797755241394},{"text":"Yeah.","start":1039.015,"end":1039.515,"sentiment":"neutral","sentiment_score":0.0419083908200264},{"text":"Yeah.","start":1048.4,"end":1048.64,"sentiment":"neutral","sentiment_score":0.08149292320013046}],"sentiment":"neutral","sentiment_score":-0.03961390643738783,"num_words":26,"start":1025.32,"end":1048.64},{"sentences":[{"text":"Yeah.","start":1048.64,"end":1048.88,"sentiment":"neutral","sentiment_score":0.06824624538421631},{"text":"I'm still the same on FICO and everything on it.","start":1048.88,"end":1052.1799,"sentiment":"neutral","sentiment_score":-0.022859353199601175},{"text":"No.","start":1057.36,"end":1057.6799,"sentiment":"neutral","sentiment_score":-0.19190946221351624},{"text":"It's 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know.","start":1664.735,"end":1665.57,"sentiment":"neutral","sentiment_score":-0.1750587485730648}],"sentiment":"neutral","sentiment_score":-0.14367872679181265,"num_words":57,"start":1637.025,"end":1665.57},{"sentences":[{"text":"Oh, shit.","start":1665.57,"end":1666.23,"sentiment":"negative","sentiment_score":-0.3554850220680237},{"text":"They're there.","start":1667.0099,"end":1667.49,"sentiment":"negative","sentiment_score":-0.37782108783721924},{"text":"I lost $20.","start":1667.49,"end":1668.69,"sentiment":"negative","sentiment_score":-0.4669915835062663},{"text":"You know?","start":1668.69,"end":1669.4299,"sentiment":"neutral","sentiment_score":-0.22727929800748825},{"text":"It's not something I go into every day.","start":1670.21,"end":1672.13,"sentiment":"neutral","sentiment_score":-0.22172673791646957}],"sentiment":"neutral","sentiment_score":-0.2997623217456481,"num_words":17,"start":1665.57,"end":1672.13},{"sentences":[{"text":"You know?","start":1672.13,"end":1672.69,"sentiment":"neutral","sentiment_score":-0.13186580687761307},{"text":"Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late.","start":1672.69,"end":1679.6699,"sentiment":"neutral","sentiment_score":-0.21147363715701634},{"text":"Yeah.","start":1703.87,"end":1704.1101,"sentiment":"neutral","sentiment_score":0.13015183806419373},{"text":"Yeah.","start":1704.1101,"end":1704.6101,"sentiment":"neutral","sentiment_score":0.20548543334007263},{"text":"Yeah.","start":1730.97,"end":1731.47,"sentiment":"neutral","sentiment_score":0.10222141444683076}],"sentiment":"neutral","sentiment_score":-0.17298941034823656,"num_words":32,"start":1672.13,"end":1731.47},{"sentences":[{"text":"Okay.","start":1793.3999,"end":1793.8999,"sentiment":"neutral","sentiment_score":0.029738260433077812},{"text":"Not too good.","start":1816.19,"end":1817.1699,"sentiment":"neutral","sentiment_score":-0.11519611130158107},{"text":"Yeah.","start":1859.845,"end":1860.345,"sentiment":"neutral","sentiment_score":0.0721375048160553},{"text":"Okay.","start":1884.3151,"end":1884.715,"sentiment":"neutral","sentiment_score":0.08440893888473511},{"text":"Yep.","start":1884.715,"end":1885.215,"sentiment":"neutral","sentiment_score":0.12653112411499023}],"sentiment":"neutral","sentiment_score":-0.004681786522269249,"num_words":7,"start":1793.3999,"end":1885.215},{"sentences":[{"text":"Yep.","start":1887.515,"end":1888.015,"sentiment":"neutral","sentiment_score":0.12698078155517578},{"text":"No.","start":1894.1699,"end":1894.4099,"sentiment":"neutral","sentiment_score":-0.06678323447704315},{"text":"No.","start":1894.4099,"end":1894.6499,"sentiment":"neutral","sentiment_score":-0.06921088695526123},{"text":"Not 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really.","start":1946.46,"end":1954.5425,"sentiment":"neutral","sentiment_score":-0.06471103429794312},{"text":"Okay.","start":1971.465,"end":1971.965,"sentiment":"neutral","sentiment_score":0.2935176193714142},{"text":"Okay.","start":1985.9199,"end":1986.32,"sentiment":"neutral","sentiment_score":0.16816337406635284},{"text":"No worries.","start":1986.32,"end":1986.96,"sentiment":"neutral","sentiment_score":0.15546634048223495},{"text":"How many days have I got to to do that?","start":1986.96,"end":1989.14,"sentiment":"neutral","sentiment_score":0.04578544907271862}],"sentiment":"neutral","sentiment_score":0.06881538103334606,"num_words":16,"start":1946.46,"end":1989.14},{"sentences":[{"text":"Okay.","start":2016.25,"end":2016.5701,"sentiment":"neutral","sentiment_score":0.14819711446762085},{"text":"Yeah.","start":2016.5701,"end":2017.0701,"sentiment":"neutral","sentiment_score":0.1622888743877411},{"text":"Yep.","start":2027.345,"end":2027.845,"sentiment":"neutral","sentiment_score":0.19078271090984344},{"text":"Okay.","start":2036.7001,"end":2037.1001,"sentiment":"positive","sentiment_score":0.5719240307807922},{"text":"Thank you.","start":2037.1001,"end":2037.5,"sentiment":"positive","sentiment_score":0.7979573607444763}],"sentiment":"positive","sentiment_score":0.44485124200582504,"num_words":6,"start":2016.25,"end":2037.5},{"sentences":[{"text":"You have a great one too, Carl.","start":2037.5,"end":2039.04,"sentiment":"positive","sentiment_score":0.8665822063173566},{"text":"Okay.","start":2041.18,"end":2041.5801,"sentiment":"neutral","sentiment_score":0.21361276507377625},{"text":"Bye.","start":2041.5801,"end":2041.8201,"sentiment":"neutral","sentiment_score":0.16050861775875092},{"text":"Bye bye.","start":2041.8201,"end":2042.4801,"sentiment":"neutral","sentiment_score":0.01804931089282036}],"sentiment":"positive","sentiment_score":0.5887541317126967,"num_words":11,"start":2037.5,"end":2042.4801}]}}]},{"alternatives":[{"transcript":"Welcome to OP Financial. This is Jacob speak Yeah. No worries. Oh, yeah. Righto. That's all good. Was that for Kyle? Yeah. No worries. Did you have an appointment booked with him, Terry? Oh, okay. Yep. No worries. That's all good. What I'll do, Terry, is I'll just run you through a quick security. So I'll get you to confirm your date of birth and current address for me, please. Yeah. Beauty. Thanks for that, Terry. What I'll do is I'll just see where the call is still available. And if he is, I'll transfer you through, and it'll be the next person you talk with. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial Yeah. Brilliant. Yeah. As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going. I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened. But before we get started there, Terry, is there anything that you had sort of caused concerns or any questions you had regarding your account? Yeah. So can you give you an information in regards to sort of what has happened during that? Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket. This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again. And, you know, that sort of as, like, an average return since you've been onboard is sitting around, like, after fees around 6.26% with that dip that did occur. So this year, it obviously was a little bit of a negative return. But in saying that, like, overall, it is still up and like you did have that skyrocket queue. We can also look to adjust your investments and review that and just have a look and see if there's any adjustments and refreshes we can make to see that it, like, continues to get growth moving forward. Yep. Not a not a problem at all there, Terry. Obviously, you know, we all are in the mercy of the market there at the end of the day as well. But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made. As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip. So we might wanna look at adjusting a few things just to move forward and see how it from there. Yeah. I completely understand. I will ask you a few questions just to gauge your sort of risk and things. But as I said, we'll still make the recommendation. We won't sort of throw you with a million options. I'll, like, sort of based on the answers you give me, make a recommendation there for you. And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well. Yeah. Yeah. So yeah. So so with that one, we won't just, like, hand you the document. We'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still. So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as well so you have an understanding of what's actually going on, if that makes sense. Yep. Yep. I can completely understand there there, Terry. So we'll obviously, you know, hold hold your hands here. We're not gonna throw something at you. We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day. If you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well. Yep. And with that, are you looking to sort of start doing some form of, like, salary sacrifice or things like that to help your superannuation grow while you're sort of leading up to those retirement years? Or oh, no. But also, like, your with from your your income there as well if you were looking for any more Yep. No. Understandable. So what I'll do there, Terry, is I'll just run through and update a few of your details. I will get the process started at least there, and I'll just confirm a few things. So in regards to your address, so you're still at the 54 Street? Yep. Sorry. I'm just looking that up to make sure I'm alright. So 2 Roycott Place, Rosa Park, was it? No. That's Oh, I didn't. Alright. It's just not Yeah. Apologies. They're like they haven't done a process change. So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews. So with that one there, it just wasn't in that workbook. So I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well. So that's what I was that's what I was just checking to make sure it was updated across all of them as to this CRM change that they did have, and it looks like it's everywhere but what I've got here. So that's all updated now, and that should be fine there as well. No problem. And then as far as your relationship status at the moment, do you still have a De facto partner? I'm married? Yep. No problem. And we don't have your spouse's name as, like, a next of kin contact or something. Did you wanna put down your partner in the event that we couldn't reach you just to reach out to? Not for any sort of marketing or anything like that, just to reach out if we couldn't get ahold of you. This is just the next step in contact. No. That's not a problem at all. So with that, I'll just put that your next sorry. Yeah. Yeah. It's just a next of kin contact just in the event that we couldn't contact you for whatever extended period of time. We just touch base with that person that was listed. So you can just provide that another day. That's that's more than fine. And then is that's fine. And then in relation to your job there, Terry, are you still doing the metal fabrication and truck it, sir? Yep. And then with that role, is it still a 100% full time? Yep. Brilliant. And is that like a thirty eight hour week, or do you do a bit more overtime? Or yeah. Right. And then how long have you been with that that role there as well? I just don't have it sort of listed there. Yeah. Brilliant. And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like that? Okay. Is that is that locally? Yep. Perfect. Perfect. And then as far as your income at the moment there, Terry, is that still around the 76,000? Yep. I might yeah. I'll just put it sort of in the the middle there. Yeah. No. Completely. And does she do, like, a little household budget as well? Or But at the moment with the child support and things like that, it sort of takes up your entire paycheck at the end of the day once sort of have your discretionary spending, things like that as well. Okay. No. Understandable. And and then in regards to your asset liability, I know you've got the car worth around 15 there with something owing on that. Do you know how much that's sitting at at the moment? Oh, nothing owing left? Yep. And okay. No problem. So that's good. That's all gone. And in regards to any other assets that you currently hold there, Terry, do you have any sort of else that we're not sort of aware of? Any sort of boats, caravans, things like that? Yep. Not a problem. And do you have, like even though, like, you do have, like, quite the high expenditure, you know, with paying child support, things like that, have you got, like, a little bit of a rainy day savings account, like, with a few 100 yeah. Do you know roughly how much is is no. You don't have to. No. That's just just for obviously notes there for regards to your assets and liabilities. But if you don't feel comfortable or don't wanna tell us, that's no more than fine there as well. Yep. I'll just put it as a rough 10,000, which is good. It's a nice cash buffer there in the event anything did happen, which is good. And then apologies if you answered a few of these questions previously. As I said, they have updated things, and a few of these haven't carried across all the information. But you've never declared bankruptcy or anything like that, you, Terry? Did you enter in, like, to a part nine debt agreement or something like that when you were younger? Did you enter, like, a part nine debt agreement or something when you were younger to pay off some debts? Or Yeah. No. That's that's all and fine. It wouldn't really sort of have much impact. Okay. Yeah. Not a problem at all, Tay. Yeah. That's it. Like, it's in the way. You're not worried about those sort of things for too long. In in regards to your health, though, are you still currently a nonsmoker? Everything's largely well. No significant health issues or medications that you're taking? Right. And do you currently hold private health insurance there, Terry? Yeah. No. That's that's fine. And then within regards to your estate planning matters, I know you didn't have a will in place when you spoke us last. Have you managed to do one with your your partner? Or yep. Yep. Yeah. Okay. No. That that's fair. With that, you've obviously got your beneficiaries in force, which are your two kids there. Now in regards to estate planning, there's, like, a state and non estate assets. So your estate assets are the things that are covered by the will. Those non estate assets are the things like your superannuation, which have those beneficiaries just to ensure that if anything did happen to you, the money goes where you want it to go, if that makes sense. Yeah. Yeah. So with in regards to that one, the those nominations for superannuation is is towards the kids. Whatever you do in the will, whether or not it's part with your tobacco partner and things like that or how you split the rest of those assets, the estate assets, is up to you there at the end of the day. Yep. Yep. Perfect. And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner. Did you get around to potentially doing that? Or Yep. So your your main goal over that twelve month period is to be able to do your your holiday next year? Yep. Perfect. And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment? Yeah. No. Completely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone. Also keep it there as, like, a a goal that's sort of in your your mind. We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as well. Yeah. So feel free to to reach out when you're sort of ready. We can sort of pass your details along, and they can have a conversation with you as well. They're their own separate things. So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends. But yeah. No. Good to have a chat anyway and see what sort of your options are. Yep. And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you. But with your insurance, I know you don't have any insurance currently there, Terry. Are you still comfortable not having insurances given that you don't have any debts? Or yeah. Because it's obviously wait. I'm sorry. Well, so the the main things there is with the different types. There's life, total permanent disability, income protection, and trauma insurance. Life's just life cover. If you go and you go on, it just pays a lump sum. Total permanent disability is for things like if you're injured and unable to work moving forward, it just means that you might have some income instead of having to rely on, like, government assistance programs. You know, to ensure you've got some income replaced to be able to cover things like that ongoing living expenses. And then income protections, like, if you were in injured and unable to work for, like, a shorter period of time, if you're off work for, like, a month, then you could potentially claim on an income protection policy, which would be able to pay up to 70% of your your income to ensure that you're not going backwards too much. And then the last one there is trauma. So that's a lump sum again, but it's out of pocket cost that you have to pay, which given you cash flow might be a little bit harder. But then it pays in the event of traumatic events such as, like, heart attacks, strokes, certain types of cancers, those sort of things, in the event that you need to take some time off to seek some medical treatment, pay some medical bills, things like that. You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing. If you were to pass away, your super balance would pass to the beneficiaries. If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability. Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection. But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive. It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered. Yeah. And then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened. You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the moment. Perfect. So we'll leave it later alone for now, but I'll make a note of that. I will quickly run through some questions there, Terry, just to gauge your risk tolerance. But have you ever invested in any direct shares? I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares? Yep. And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day? Yeah. So with that, like, obviously, time comes into consideration as well. Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive. But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working. And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense. Yep. And then I know your super has taken a little bit of a backwards step this year in terms to where it was previously. And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive. But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned? Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve? Yeah. So it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit. You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period. Yes. Yeah. No. That's it. You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high. Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold. But with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry. Yep. Perfect. That does bring you out to a growth investor. Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio. Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns? Yep. Obviously, we can look to adjust those as well as time goes on. But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards. Now that's because of a few reasons. So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market. They had an underlying investment that didn't do too well. They weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio. And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive. But within relate to that, they still have high conviction sort of in those tech investments coming back over time. Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur. So if you are happy, we will review your your investments there and look at just updating those with them. Yeah. And then provide you that document sort of stating that, and we'll have a a chat about that. But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done? Or do you is there anything else you want, like, to have lumped in with that? Is there anything else you want addressed at the moment? Yep. Not a problem at all. And then with that one there, Terry, I will send you your annual review documents. So with this, you'll have it'll come by OdooSign. It is a little bit different to DocuSigns you've probably previously used. It'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates. As I said, there's been a few business updates as well. You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover. And the signable documents in that one, Terry, will be your tax file opt in form. So we're just changing the form and where we keep your tax file numbers stored. And then we'll also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months. And then it'll outline the fees, the projected fees that you're expected to pay during that period. And then, also, it'll have a lost super search authority. So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is if that makes all sense. Yep. Do you have any questions in regards to those documents that I'll be sending out there, Terry? Yep. Not a problem. And this will just be going to TerryBallo309@Gmail.com. Is that still correct? Perfect. So feel free to have a look at those when you get home. And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in. So at any point, you did wanna sort of move on to to something else. That's not a problem as well. But then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for you. Perfect. But do you have any other questions in regards to anything we've covered today there, Terry? Happy with everything else? Don't have any questions in regards to any of that? Yep. The only other thing that we probably need to update there is just your ID on file. Now that could either be, like, a driver's license or the passport that you've done just so we have a valid up to date copy. The one we have on file has just expired. So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option. Yep. I'll just get them to send off that email and just request that one if you were happy with it. And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything. I believe let me just check check when it was created. Bear with me. So as long as it's signed before the March 24, that should be fine. So you've got plenty of time there. Yep. So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well. Too easy. Not a problem, Terry. Well, thanks for your time, Terry. I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments. Problem, Terry. Thank you very much. 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to OP Financial. This is Jacob speak Yeah. No worries. Oh, yeah. Righto.\n\nThat's all good. Was that for Kyle? Yeah. No worries. Did you have an appointment booked with him, Terry?\n\nOh, okay. Yep. No worries. That's all good. What I'll do, Terry, is I'll just run you through a quick security.\n\nSo I'll get you to confirm your date of birth and current address for me, please. Yeah. Beauty. Thanks for that, Terry. What I'll do is I'll just see where the call is still available.\n\nAnd if he is, I'll transfer you through, and it'll be the next person you talk with. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial Yeah.\n\nBrilliant. Yeah. As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going. I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened. But before we get started there, Terry, is there anything that you had sort of caused concerns or any questions you had regarding your account?\n\nYeah. So can you give you an information in regards to sort of what has happened during that? Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket. This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again. And, you know, that sort of as, like, an average return since you've been onboard is sitting around, like, after fees around 6.26% with that dip that did occur.\n\nSo this year, it obviously was a little bit of a negative return. But in saying that, like, overall, it is still up and like you did have that skyrocket queue. We can also look to adjust your investments and review that and just have a look and see if there's any adjustments and refreshes we can make to see that it, like, continues to get growth moving forward. Yep. Not a not a problem at all there, Terry.\n\nObviously, you know, we all are in the mercy of the market there at the end of the day as well. But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made. As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip. So we might wanna look at adjusting a few things just to move forward and see how it from there. Yeah.\n\nI completely understand. I will ask you a few questions just to gauge your sort of risk and things. But as I said, we'll still make the recommendation. We won't sort of throw you with a million options. I'll, like, sort of based on the answers you give me, make a recommendation there for you.\n\nAnd whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well. Yeah. Yeah. So yeah. So so with that one, we won't just, like, hand you the document.\n\nWe'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still. So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as well so you have an understanding of what's actually going on, if that makes sense. Yep. Yep. I can completely understand there there, Terry.\n\nSo we'll obviously, you know, hold hold your hands here. We're not gonna throw something at you. We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day. If you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well. Yep.\n\nAnd with that, are you looking to sort of start doing some form of, like, salary sacrifice or things like that to help your superannuation grow while you're sort of leading up to those retirement years? Or oh, no. But also, like, your with from your your income there as well if you were looking for any more Yep. No. Understandable.\n\nSo what I'll do there, Terry, is I'll just run through and update a few of your details. I will get the process started at least there, and I'll just confirm a few things. So in regards to your address, so you're still at the 54 Street? Yep. Sorry.\n\nI'm just looking that up to make sure I'm alright. So 2 Roycott Place, Rosa Park, was it? No. That's Oh, I didn't. Alright.\n\nIt's just not Yeah. Apologies. They're like they haven't done a process change. So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews. So with that one there, it just wasn't in that workbook.\n\nSo I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well. So that's what I was that's what I was just checking to make sure it was updated across all of them as to this CRM change that they did have, and it looks like it's everywhere but what I've got here. So that's all updated now, and that should be fine there as well. No problem. And then as far as your relationship status at the moment, do you still have a De facto partner?\n\nI'm married? Yep. No problem. And we don't have your spouse's name as, like, a next of kin contact or something. Did you wanna put down your partner in the event that we couldn't reach you just to reach out to?\n\nNot for any sort of marketing or anything like that, just to reach out if we couldn't get ahold of you. This is just the next step in contact. No. That's not a problem at all. So with that, I'll just put that your next sorry.\n\nYeah. Yeah. It's just a next of kin contact just in the event that we couldn't contact you for whatever extended period of time. We just touch base with that person that was listed. So you can just provide that another day.\n\nThat's that's more than fine. And then is that's fine. And then in relation to your job there, Terry, are you still doing the metal fabrication and truck it, sir? Yep. And then with that role, is it still a 100% full time?\n\nYep. Brilliant. And is that like a thirty eight hour week, or do you do a bit more overtime? Or yeah. Right.\n\nAnd then how long have you been with that that role there as well? I just don't have it sort of listed there. Yeah. Brilliant. And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like that?\n\nOkay. Is that is that locally? Yep. Perfect. Perfect.\n\nAnd then as far as your income at the moment there, Terry, is that still around the 76,000? Yep. I might yeah. I'll just put it sort of in the the middle there. Yeah.\n\nNo. Completely. And does she do, like, a little household budget as well? Or But at the moment with the child support and things like that, it sort of takes up your entire paycheck at the end of the day once sort of have your discretionary spending, things like that as well. Okay.\n\nNo. Understandable. And and then in regards to your asset liability, I know you've got the car worth around 15 there with something owing on that. Do you know how much that's sitting at at the moment? Oh, nothing owing left?\n\nYep. And okay. No problem. So that's good. That's all gone.\n\nAnd in regards to any other assets that you currently hold there, Terry, do you have any sort of else that we're not sort of aware of? Any sort of boats, caravans, things like that? Yep. Not a problem. And do you have, like even though, like, you do have, like, quite the high expenditure, you know, with paying child support, things like that, have you got, like, a little bit of a rainy day savings account, like, with a few 100 yeah.\n\nDo you know roughly how much is is no. You don't have to. No. That's just just for obviously notes there for regards to your assets and liabilities. But if you don't feel comfortable or don't wanna tell us, that's no more than fine there as well.\n\nYep. I'll just put it as a rough 10,000, which is good. It's a nice cash buffer there in the event anything did happen, which is good. And then apologies if you answered a few of these questions previously. As I said, they have updated things, and a few of these haven't carried across all the information.\n\nBut you've never declared bankruptcy or anything like that, you, Terry? Did you enter in, like, to a part nine debt agreement or something like that when you were younger? Did you enter, like, a part nine debt agreement or something when you were younger to pay off some debts? Or Yeah. No.\n\nThat's that's all and fine. It wouldn't really sort of have much impact. Okay. Yeah. Not a problem at all, Tay.\n\nYeah. That's it. Like, it's in the way. You're not worried about those sort of things for too long. In in regards to your health, though, are you still currently a nonsmoker?\n\nEverything's largely well. No significant health issues or medications that you're taking? Right. And do you currently hold private health insurance there, Terry? Yeah.\n\nNo. That's that's fine. And then within regards to your estate planning matters, I know you didn't have a will in place when you spoke us last. Have you managed to do one with your your partner? Or yep.\n\nYep. Yeah. Okay. No. That that's fair.\n\nWith that, you've obviously got your beneficiaries in force, which are your two kids there. Now in regards to estate planning, there's, like, a state and non estate assets. So your estate assets are the things that are covered by the will. Those non estate assets are the things like your superannuation, which have those beneficiaries just to ensure that if anything did happen to you, the money goes where you want it to go, if that makes sense. Yeah.\n\nYeah. So with in regards to that one, the those nominations for superannuation is is towards the kids. Whatever you do in the will, whether or not it's part with your tobacco partner and things like that or how you split the rest of those assets, the estate assets, is up to you there at the end of the day. Yep. Yep.\n\nPerfect. And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner. Did you get around to potentially doing that? Or Yep. So your your main goal over that twelve month period is to be able to do your your holiday next year?\n\nYep. Perfect. And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment? Yeah. No.\n\nCompletely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone. Also keep it there as, like, a a goal that's sort of in your your mind. We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as well. Yeah. So feel free to to reach out when you're sort of ready.\n\nWe can sort of pass your details along, and they can have a conversation with you as well. They're their own separate things. So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends. But yeah. No.\n\nGood to have a chat anyway and see what sort of your options are. Yep. And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you. But with your insurance, I know you don't have any insurance currently there, Terry. Are you still comfortable not having insurances given that you don't have any debts?\n\nOr yeah. Because it's obviously wait. I'm sorry. Well, so the the main things there is with the different types. There's life, total permanent disability, income protection, and trauma insurance.\n\nLife's just life cover. If you go and you go on, it just pays a lump sum. Total permanent disability is for things like if you're injured and unable to work moving forward, it just means that you might have some income instead of having to rely on, like, government assistance programs. You know, to ensure you've got some income replaced to be able to cover things like that ongoing living expenses. And then income protections, like, if you were in injured and unable to work for, like, a shorter period of time, if you're off work for, like, a month, then you could potentially claim on an income protection policy, which would be able to pay up to 70% of your your income to ensure that you're not going backwards too much.\n\nAnd then the last one there is trauma. So that's a lump sum again, but it's out of pocket cost that you have to pay, which given you cash flow might be a little bit harder. But then it pays in the event of traumatic events such as, like, heart attacks, strokes, certain types of cancers, those sort of things, in the event that you need to take some time off to seek some medical treatment, pay some medical bills, things like that. You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing. If you were to pass away, your super balance would pass to the beneficiaries.\n\nIf you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability. Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection. But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive. It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered. Yeah.\n\nAnd then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened. You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the moment. Perfect. So we'll leave it later alone for now, but I'll make a note of that. I will quickly run through some questions there, Terry, just to gauge your risk tolerance.\n\nBut have you ever invested in any direct shares? I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares? Yep. And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day? Yeah.\n\nSo with that, like, obviously, time comes into consideration as well. Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive. But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working. And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense. Yep.\n\nAnd then I know your super has taken a little bit of a backwards step this year in terms to where it was previously. And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive. But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned? Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve? Yeah.\n\nSo it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit. You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period. Yes. Yeah. No.\n\nThat's it. You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high. Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold. But with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry. Yep.\n\nPerfect. That does bring you out to a growth investor. Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio. Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns? Yep.\n\nObviously, we can look to adjust those as well as time goes on. But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards. Now that's because of a few reasons. So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market. They had an underlying investment that didn't do too well.\n\nThey weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio. And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive. But within relate to that, they still have high conviction sort of in those tech investments coming back over time. Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur. So if you are happy, we will review your your investments there and look at just updating those with them.\n\nYeah. And then provide you that document sort of stating that, and we'll have a a chat about that. But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done? Or do you is there anything else you want, like, to have lumped in with that? Is there anything else you want addressed at the moment?\n\nYep. Not a problem at all. And then with that one there, Terry, I will send you your annual review documents. So with this, you'll have it'll come by OdooSign. It is a little bit different to DocuSigns you've probably previously used.\n\nIt'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates. As I said, there's been a few business updates as well. You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover. And the signable documents in that one, Terry, will be your tax file opt in form. So we're just changing the form and where we keep your tax file numbers stored.\n\nAnd then we'll also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months. And then it'll outline the fees, the projected fees that you're expected to pay during that period. And then, also, it'll have a lost super search authority. So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is if that makes all sense. Yep.\n\nDo you have any questions in regards to those documents that I'll be sending out there, Terry? Yep. Not a problem. And this will just be going to TerryBallo309@Gmail.com. Is that still correct?\n\nPerfect. So feel free to have a look at those when you get home. And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in. So at any point, you did wanna sort of move on to to something else. That's not a problem as well.\n\nBut then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for you. Perfect. But do you have any other questions in regards to anything we've covered today there, Terry? Happy with everything else? Don't have any questions in regards to any of that?\n\nYep. The only other thing that we probably need to update there is just your ID on file. Now that could either be, like, a driver's license or the passport that you've done just so we have a valid up to date copy. The one we have on file has just expired. So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option.\n\nYep. I'll just get them to send off that email and just request that one if you were happy with it. And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything. I believe let me just check check when it was created. Bear with me.\n\nSo as long as it's signed before the March 24, that should be fine. So you've got plenty of time there. Yep. So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well. Too easy.\n\nNot a problem, Terry. Well, thanks for your time, Terry. I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments. Problem, Terry. Thank you very much.\n\nBye.","paragraphs":[{"sentences":[{"text":"Welcome to OP Financial.","start":2.24,"end":3.6,"sentiment":"neutral","sentiment_score":0.13192819245159626},{"text":"This is Jacob speak Yeah.","start":3.6,"end":15.44,"sentiment":"neutral","sentiment_score":0.08376013934612274},{"text":"No worries.","start":15.44,"end":15.975,"sentiment":"neutral","sentiment_score":0.07668185606598854},{"text":"Oh, yeah.","start":16.135,"end":16.615,"sentiment":"neutral","sentiment_score":0.1764485463500023},{"text":"Righto.","start":16.615,"end":17.015,"sentiment":"neutral","sentiment_score":0.2988497018814087}],"sentiment":"neutral","sentiment_score":0.1251159980893135,"num_words":14,"start":2.24,"end":17.015},{"sentences":[{"text":"That's all good.","start":17.015,"end":17.995,"sentiment":"positive","sentiment_score":0.4337747097015381},{"text":"Was that for Kyle?","start":18.375,"end":19.835001,"sentiment":"neutral","sentiment_score":0.1807229295372963},{"text":"Yeah.","start":22.855,"end":23.175,"sentiment":"neutral","sentiment_score":0.08469231426715851},{"text":"No worries.","start":23.175,"end":23.735,"sentiment":"neutral","sentiment_score":0.09087549149990082},{"text":"Did you have an appointment booked with him, Terry?","start":23.735,"end":26.475,"sentiment":"neutral","sentiment_score":0.07511596298880047}],"sentiment":"neutral","sentiment_score":0.15614225323262967,"num_words":19,"start":17.015,"end":26.475},{"sentences":[{"text":"Oh, okay.","start":29.255001,"end":29.815,"sentiment":"neutral","sentiment_score":0.11503506824374199},{"text":"Yep.","start":29.815,"end":30.215,"sentiment":"neutral","sentiment_score":0.15387126803398132},{"text":"No worries.","start":30.215,"end":30.855,"sentiment":"neutral","sentiment_score":0.21633712947368622},{"text":"That's all good.","start":30.855,"end":31.915,"sentiment":"positive","sentiment_score":0.3815115789572398},{"text":"What I'll do, Terry, is I'll just run you through a quick security.","start":32.43,"end":35.95,"sentiment":"neutral","sentiment_score":0.11899561091111256}],"sentiment":"neutral","sentiment_score":0.1670520639135724,"num_words":21,"start":29.255001,"end":35.95},{"sentences":[{"text":"So I'll get you to confirm your date of birth and current address for me, please.","start":35.95,"end":40.53,"sentiment":"neutral","sentiment_score":0.0856919358484447},{"text":"Yeah.","start":46.510002,"end":46.845,"sentiment":"neutral","sentiment_score":0.03341821953654289},{"text":"Beauty.","start":53.245003,"end":53.645,"sentiment":"neutral","sentiment_score":0.27573010325431824},{"text":"Thanks for that, Terry.","start":53.645,"end":54.785,"sentiment":"positive","sentiment_score":0.5136772468686104},{"text":"What I'll do is I'll just see where the call is still available.","start":55.005,"end":57.585,"sentiment":"neutral","sentiment_score":0.08550724301200646}],"sentiment":"neutral","sentiment_score":0.13847206979990007,"num_words":35,"start":35.95,"end":57.585},{"sentences":[{"text":"And if he is, I'll transfer you through, and it'll be the next person you talk with.","start":57.645,"end":68.746666,"sentiment":"neutral","sentiment_score":0.05689854404943831},{"text":"Welcome to Oakview Financial.","start":71.1,"end":72.96,"sentiment":"neutral","sentiment_score":0.09100377559661865},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":73.5,"end":82.625,"sentiment":"neutral","sentiment_score":0.18726910650730133},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":82.925,"end":93.810005,"sentiment":"neutral","sentiment_score":0.05291142271688351},{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial Yeah.","start":94.590004,"end":107.2775,"sentiment":"neutral","sentiment_score":0.300413998439908}],"sentiment":"neutral","sentiment_score":0.15252401751089603,"num_words":94,"start":57.645,"end":107.2775},{"sentences":[{"text":"Brilliant.","start":114.81,"end":115.31,"sentiment":"neutral","sentiment_score":0.3109434247016907},{"text":"Yeah.","start":115.61,"end":115.85,"sentiment":"neutral","sentiment_score":0.12259159982204436},{"text":"As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going.","start":115.85,"end":125.39,"sentiment":"neutral","sentiment_score":0.12181977489963174},{"text":"I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened.","start":126.409996,"end":132.175,"sentiment":"neutral","sentiment_score":-0.1636942547780496},{"text":"But before we get started there, Terry, is there anything that you had sort of caused concerns or any questions you had regarding your account?","start":132.175,"end":138.755,"sentiment":"neutral","sentiment_score":-0.04554146606475115}],"sentiment":"neutral","sentiment_score":-0.002680377767203336,"num_words":94,"start":114.81,"end":138.755},{"sentences":[{"text":"Yeah.","start":155.07,"end":155.39,"sentiment":"neutral","sentiment_score":-0.047371964901685715},{"text":"So can you give you an information in regards to sort of what has happened during that?","start":155.39,"end":162.045,"sentiment":"neutral","sentiment_score":-0.04171322483350249},{"text":"Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket.","start":162.825,"end":168.605,"sentiment":"neutral","sentiment_score":-0.1926192448095039},{"text":"This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again.","start":169.785,"end":180.31001,"sentiment":"negative","sentiment_score":-0.4079154295225938},{"text":"And, you know, that sort of as, like, an average return since you've been onboard is sitting around, like, after fees around 6.26% with that dip that did occur.","start":181.01001,"end":189.345,"sentiment":"neutral","sentiment_score":-0.28240686757811184}],"sentiment":"neutral","sentiment_score":-0.27645046044079985,"num_words":122,"start":155.07,"end":189.345},{"sentences":[{"text":"So this year, it obviously was a little bit of a negative return.","start":189.965,"end":193.105,"sentiment":"negative","sentiment_score":-0.4665860740038065},{"text":"But in saying that, like, overall, it is still up and like you did have that skyrocket queue.","start":194.045,"end":199.105,"sentiment":"neutral","sentiment_score":0.22267955727875233},{"text":"We can also look to adjust your investments and review that and just have a look and see if there's any adjustments and refreshes we can make to see that it, like, continues to get growth moving forward.","start":199.245,"end":218.7425,"sentiment":"neutral","sentiment_score":0.17446087673306465},{"text":"Yep.","start":235.61,"end":236.11,"sentiment":"neutral","sentiment_score":0.1473253220319748},{"text":"Not a not a problem at all there, Terry.","start":236.41,"end":238.74501,"sentiment":"neutral","sentiment_score":0.2255620120300187}],"sentiment":"neutral","sentiment_score":0.08543683310286908,"num_words":79,"start":189.965,"end":238.74501},{"sentences":[{"text":"Obviously, you know, we all are in the mercy of the market there at the end of the day as well.","start":238.74501,"end":242.02501,"sentiment":"neutral","sentiment_score":-0.09572462985912959},{"text":"But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made.","start":242.02501,"end":249.065,"sentiment":"neutral","sentiment_score":0.1265899502805301},{"text":"As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip.","start":249.065,"end":262.26,"sentiment":"neutral","sentiment_score":0.027161174388818963},{"text":"So we might wanna look at adjusting a few things just to move forward and see how it from there.","start":262.4,"end":272.8625,"sentiment":"neutral","sentiment_score":-0.044803979061543944},{"text":"Yeah.","start":287.49,"end":287.81,"sentiment":"neutral","sentiment_score":0.07719362527132034}],"sentiment":"neutral","sentiment_score":0.023078963129470744,"num_words":120,"start":238.74501,"end":287.81},{"sentences":[{"text":"I completely understand.","start":287.81,"end":288.93,"sentiment":"neutral","sentiment_score":0.09651245425144832},{"text":"I will ask you a few questions just to gauge your sort of risk and things.","start":288.93,"end":292.21,"sentiment":"neutral","sentiment_score":-0.021984876599162817},{"text":"But as I said, we'll still make the recommendation.","start":292.21,"end":294.15,"sentiment":"neutral","sentiment_score":0.18038496375083923},{"text":"We won't sort of throw you with a million options.","start":294.345,"end":296.585,"sentiment":"neutral","sentiment_score":0.002541852742433548},{"text":"I'll, like, sort of based on the answers you give me, make a recommendation there for you.","start":296.585,"end":300.665,"sentiment":"neutral","sentiment_score":0.2724185901529649}],"sentiment":"neutral","sentiment_score":0.11305051947181875,"num_words":55,"start":287.81,"end":300.665},{"sentences":[{"text":"And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well.","start":300.665,"end":310.03,"sentiment":"neutral","sentiment_score":0.24654230605001035},{"text":"Yeah.","start":319.815,"end":320.315,"sentiment":"neutral","sentiment_score":-0.049636684358119965},{"text":"Yeah.","start":323.095,"end":323.335,"sentiment":"neutral","sentiment_score":-0.11021759361028673},{"text":"So yeah.","start":323.335,"end":327.335,"sentiment":"neutral","sentiment_score":-0.1394339520484209},{"text":"So so with that one, we won't just, like, hand you the document.","start":327.335,"end":329.975,"sentiment":"neutral","sentiment_score":-0.014895366361508003}],"sentiment":"neutral","sentiment_score":0.16997752592913687,"num_words":63,"start":300.665,"end":329.975},{"sentences":[{"text":"We'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still.","start":329.975,"end":336.93997,"sentiment":"neutral","sentiment_score":0.13380514574237168},{"text":"So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as well so you have an understanding of what's actually going on, if that makes sense.","start":336.93997,"end":354.975,"sentiment":"neutral","sentiment_score":0.024527316397808967},{"text":"Yep.","start":368.47998,"end":368.97998,"sentiment":"neutral","sentiment_score":-0.09003283828496933},{"text":"Yep.","start":377.295,"end":377.795,"sentiment":"neutral","sentiment_score":0.17890220880508423},{"text":"I can completely understand there there, Terry.","start":378.095,"end":380.73502,"sentiment":"neutral","sentiment_score":0.27727211160319193}],"sentiment":"neutral","sentiment_score":0.08482184870676561,"num_words":88,"start":329.975,"end":380.73502},{"sentences":[{"text":"So we'll obviously, you know, hold hold your hands here.","start":380.73502,"end":383.295,"sentiment":"neutral","sentiment_score":0.14967168867588043},{"text":"We're not gonna throw something at you.","start":383.295,"end":384.575,"sentiment":"neutral","sentiment_score":0.03356664627790451},{"text":"We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day.","start":384.575,"end":391.25998,"sentiment":"neutral","sentiment_score":0.33166662998059215},{"text":"If you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well.","start":391.25998,"end":396.8,"sentiment":"positive","sentiment_score":0.39383143449530883},{"text":"Yep.","start":414.315,"end":414.63,"sentiment":"neutral","sentiment_score":0.025503747165203094}],"sentiment":"neutral","sentiment_score":0.30725722500058106,"num_words":86,"start":380.73502,"end":414.63},{"sentences":[{"text":"And with that, are you looking to sort of start doing some form of, like, salary sacrifice or things like that to help your superannuation grow while you're sort of leading up to those retirement years?","start":414.87,"end":424.55002,"sentiment":"neutral","sentiment_score":0.09890659939911631},{"text":"Or oh, no.","start":424.55002,"end":433.60498,"sentiment":"neutral","sentiment_score":-0.009385159860054651},{"text":"But also, like, your with from your your income there as well if you were looking for any more Yep.","start":433.60498,"end":485.195,"sentiment":"neutral","sentiment_score":0.028240729495882987},{"text":"No.","start":485.415,"end":485.815,"sentiment":"neutral","sentiment_score":-0.1384027898311615},{"text":"Understandable.","start":485.815,"end":486.315,"sentiment":"neutral","sentiment_score":-0.10027533024549484}],"sentiment":"neutral","sentiment_score":0.06325604210867257,"num_words":61,"start":414.87,"end":486.315},{"sentences":[{"text":"So what I'll do there, Terry, is I'll just run through and update a few of your details.","start":486.935,"end":491.56,"sentiment":"neutral","sentiment_score":0.0847745415651136},{"text":"I will get the process started at least there, and I'll just confirm a few things.","start":491.56,"end":496.28,"sentiment":"neutral","sentiment_score":0.1638931971974671},{"text":"So in regards to your address, so you're still at the 54 Street?","start":496.28,"end":500.94,"sentiment":"neutral","sentiment_score":0.017160706007136747},{"text":"Yep.","start":515.855,"end":516.175,"sentiment":"neutral","sentiment_score":0.008536593988537788},{"text":"Sorry.","start":516.175,"end":516.415,"sentiment":"neutral","sentiment_score":-0.03637830168008804}],"sentiment":"neutral","sentiment_score":0.08864245660679072,"num_words":49,"start":486.935,"end":516.415},{"sentences":[{"text":"I'm just looking that up to make sure I'm alright.","start":516.415,"end":520.4,"sentiment":"neutral","sentiment_score":-0.038285503163933754},{"text":"So 2 Roycott Place, Rosa Park, was it?","start":520.4,"end":523.14,"sentiment":"neutral","sentiment_score":0.0033892575302161276},{"text":"No.","start":523.6,"end":523.76,"sentiment":"neutral","sentiment_score":-0.03730416297912598},{"text":"That's Oh, I didn't.","start":523.76,"end":525.79,"sentiment":"neutral","sentiment_score":-0.03507797420024872},{"text":"Alright.","start":543.305,"end":543.545,"sentiment":"neutral","sentiment_score":-0.012111647054553032}],"sentiment":"neutral","sentiment_score":-0.022727861593011767,"num_words":24,"start":516.415,"end":543.545},{"sentences":[{"text":"It's just not Yeah.","start":543.545,"end":565.15497,"sentiment":"neutral","sentiment_score":-0.05199475307017565},{"text":"Apologies.","start":565.45496,"end":565.95496,"sentiment":"neutral","sentiment_score":-0.26491284370422363},{"text":"They're like they haven't done a process change.","start":566.175,"end":568.65497,"sentiment":"negative","sentiment_score":-0.36206919699907303},{"text":"So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews.","start":568.65497,"end":581.7,"sentiment":"neutral","sentiment_score":-0.10505652217528759},{"text":"So with that one there, it just wasn't in that workbook.","start":582.0,"end":587.505,"sentiment":"neutral","sentiment_score":-0.24204502254724503}],"sentiment":"neutral","sentiment_score":-0.16078008007672098,"num_words":63,"start":543.545,"end":587.505},{"sentences":[{"text":"So I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well.","start":587.505,"end":597.925,"sentiment":"neutral","sentiment_score":0.1821329727768898},{"text":"So that's what I was that's what I was just checking to make sure it was updated across all of them as to this CRM change that they did have, and it looks like it's everywhere but what I've got here.","start":598.46497,"end":608.93,"sentiment":"neutral","sentiment_score":0.17009332448970982},{"text":"So that's all updated now, and that should be fine there as well.","start":608.93,"end":612.63,"sentiment":"positive","sentiment_score":0.4376509693952707},{"text":"No problem.","start":614.93,"end":615.64496,"sentiment":"neutral","sentiment_score":0.22646957635879517},{"text":"And then as far as your relationship status at the moment, do you still have a De facto partner?","start":615.64496,"end":620.225,"sentiment":"neutral","sentiment_score":0.0268128139800147}],"sentiment":"neutral","sentiment_score":0.18182114156132395,"num_words":110,"start":587.505,"end":620.225},{"sentences":[{"text":"I'm married?","start":624.125,"end":624.605,"sentiment":"neutral","sentiment_score":0.027489688247442245},{"text":"Yep.","start":624.605,"end":625.005,"sentiment":"neutral","sentiment_score":0.03958956152200699},{"text":"No problem.","start":625.005,"end":625.665,"sentiment":"neutral","sentiment_score":0.03182239085435867},{"text":"And we don't have your spouse's name as, like, a next of kin contact or something.","start":626.925,"end":630.28,"sentiment":"neutral","sentiment_score":-0.1014664857648313},{"text":"Did you wanna put down your partner in the event that we couldn't reach you just to reach out to?","start":630.28,"end":635.5,"sentiment":"neutral","sentiment_score":-0.1472201943397522}],"sentiment":"neutral","sentiment_score":-0.10755253510504234,"num_words":41,"start":624.125,"end":635.5},{"sentences":[{"text":"Not for any sort of marketing or anything like that, just to reach out if we couldn't get ahold of you.","start":635.64,"end":639.82,"sentiment":"neutral","sentiment_score":-0.3025199621915817},{"text":"This is just the next step in contact.","start":648.775,"end":650.555,"sentiment":"neutral","sentiment_score":-0.12296397611498833},{"text":"No.","start":659.35,"end":659.43,"sentiment":"neutral","sentiment_score":-0.0030663274228572845},{"text":"That's not a problem at all.","start":659.43,"end":660.62994,"sentiment":"neutral","sentiment_score":0.07189891239007314},{"text":"So with that, I'll just put that your next sorry.","start":660.62994,"end":663.93,"sentiment":"neutral","sentiment_score":0.028277874737977982}],"sentiment":"neutral","sentiment_score":-0.144033154796647,"num_words":46,"start":635.64,"end":663.93},{"sentences":[{"text":"Yeah.","start":670.325,"end":670.64496,"sentiment":"neutral","sentiment_score":0.09546275436878204},{"text":"Yeah.","start":670.64496,"end":670.725,"sentiment":"neutral","sentiment_score":0.12450607120990752},{"text":"It's just a next of kin contact just in the event that we couldn't contact you for whatever extended period of time.","start":670.725,"end":675.445,"sentiment":"neutral","sentiment_score":0.07555813528597355},{"text":"We just touch base with that person that was listed.","start":675.445,"end":677.785,"sentiment":"neutral","sentiment_score":0.20501413941383362},{"text":"So you can just provide that another day.","start":678.40497,"end":680.19,"sentiment":"neutral","sentiment_score":0.2871350310742855}],"sentiment":"neutral","sentiment_score":0.1483207010619697,"num_words":42,"start":670.325,"end":680.19},{"sentences":[{"text":"That's that's more than fine.","start":680.19,"end":683.23,"sentiment":"positive","sentiment_score":0.4238276302814484},{"text":"And then is that's fine.","start":683.23,"end":685.65,"sentiment":"neutral","sentiment_score":0.14656878858804703},{"text":"And then in relation to your job there, Terry, are you still doing the metal fabrication and truck it, sir?","start":686.67,"end":721.0,"sentiment":"neutral","sentiment_score":0.033651104755699636},{"text":"Yep.","start":721.0,"end":721.4,"sentiment":"neutral","sentiment_score":0.07320601493120193},{"text":"And then with that role, is it still a 100% full time?","start":721.4,"end":724.38495,"sentiment":"neutral","sentiment_score":0.05714577281226715}],"sentiment":"neutral","sentiment_score":0.09962696460790413,"num_words":43,"start":680.19,"end":724.38495},{"sentences":[{"text":"Yep.","start":727.165,"end":727.665,"sentiment":"neutral","sentiment_score":0.32049211859703064},{"text":"Brilliant.","start":727.725,"end":728.045,"sentiment":"positive","sentiment_score":0.6434082984924316},{"text":"And is that like a thirty eight hour week, or do you do a bit more overtime?","start":728.045,"end":731.345,"sentiment":"neutral","sentiment_score":0.10452449694275856},{"text":"Or yeah.","start":731.40497,"end":746.505,"sentiment":"neutral","sentiment_score":0.05222674831748009},{"text":"Right.","start":751.305,"end":751.78503,"sentiment":"neutral","sentiment_score":0.04402300715446472}],"sentiment":"neutral","sentiment_score":0.13133151676844468,"num_words":22,"start":727.165,"end":751.78503},{"sentences":[{"text":"And then how long have you been with that that role there as well?","start":751.78503,"end":754.665,"sentiment":"neutral","sentiment_score":0.012356272965137447},{"text":"I just don't have it sort of listed there.","start":754.665,"end":756.445,"sentiment":"neutral","sentiment_score":-0.07408488169312477},{"text":"Yeah.","start":763.57,"end":763.89,"sentiment":"neutral","sentiment_score":0.14595910906791687},{"text":"Brilliant.","start":763.89,"end":764.39,"sentiment":"positive","sentiment_score":0.3725206255912781},{"text":"And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like that?","start":764.53,"end":783.705,"sentiment":"neutral","sentiment_score":-0.023568081933384142}],"sentiment":"neutral","sentiment_score":-0.012406160673973236,"num_words":55,"start":751.78503,"end":783.705},{"sentences":[{"text":"Okay.","start":783.705,"end":784.205,"sentiment":"neutral","sentiment_score":0.00029985513538122177},{"text":"Is that is that locally?","start":789.13,"end":792.27,"sentiment":"neutral","sentiment_score":-0.0005368363112211227},{"text":"Yep.","start":800.585,"end":801.085,"sentiment":"neutral","sentiment_score":-0.01612347550690174},{"text":"Perfect.","start":804.66504,"end":805.16504,"sentiment":"neutral","sentiment_score":0.3153362274169922},{"text":"Perfect.","start":809.065,"end":809.465,"sentiment":"neutral","sentiment_score":0.2645202875137329}],"sentiment":"neutral","sentiment_score":0.06237207922256655,"num_words":9,"start":783.705,"end":809.465},{"sentences":[{"text":"And then as far as your income at the moment there, Terry, is that still around the 76,000?","start":809.465,"end":813.21,"sentiment":"neutral","sentiment_score":0.013405339068008794},{"text":"Yep.","start":825.13,"end":825.45,"sentiment":"neutral","sentiment_score":0.0004647920723073185},{"text":"I might yeah.","start":825.45,"end":826.41003,"sentiment":"neutral","sentiment_score":-0.032261755938331284},{"text":"I'll just put it sort of in the the middle there.","start":826.41003,"end":828.86505,"sentiment":"neutral","sentiment_score":-0.05138745565306057},{"text":"Yeah.","start":852.3,"end":852.585,"sentiment":"neutral","sentiment_score":-0.06457090377807617}],"sentiment":"neutral","sentiment_score":-0.014260508484713844,"num_words":34,"start":809.465,"end":852.585},{"sentences":[{"text":"No.","start":853.145,"end":853.465,"sentiment":"neutral","sentiment_score":-0.1421886682510376},{"text":"Completely.","start":853.465,"end":853.945,"sentiment":"neutral","sentiment_score":-0.05911460146307945},{"text":"And does she do, like, a little household budget as well?","start":853.945,"end":856.745,"sentiment":"neutral","sentiment_score":0.03242146562446247},{"text":"Or But at the moment with the child support and things like that, it sort of takes up your entire paycheck at the end of the day once sort of have your discretionary spending, things like that as well.","start":856.745,"end":882.77496,"sentiment":"neutral","sentiment_score":-0.11639567431157981},{"text":"Okay.","start":893.475,"end":893.975,"sentiment":"neutral","sentiment_score":-0.028334200382232663}],"sentiment":"neutral","sentiment_score":-0.08325344615809198,"num_words":53,"start":853.145,"end":893.975},{"sentences":[{"text":"No.","start":894.115,"end":894.435,"sentiment":"neutral","sentiment_score":-0.13323867321014404},{"text":"Understandable.","start":894.435,"end":894.935,"sentiment":"neutral","sentiment_score":-0.09265121817588806},{"text":"And and then in regards to your asset liability, I know you've got the car worth around 15 there with something owing on that.","start":895.68,"end":902.88,"sentiment":"neutral","sentiment_score":-0.06486069737002254},{"text":"Do you know how much that's sitting at at the moment?","start":902.88,"end":904.9,"sentiment":"neutral","sentiment_score":-0.0717713748189536},{"text":"Oh, nothing owing left?","start":908.08,"end":909.345,"sentiment":"neutral","sentiment_score":-0.06909191235899925}],"sentiment":"neutral","sentiment_score":-0.06947315611490389,"num_words":41,"start":894.115,"end":909.345},{"sentences":[{"text":"Yep.","start":909.345,"end":909.665,"sentiment":"neutral","sentiment_score":0.00959382951259613},{"text":"And okay.","start":909.665,"end":912.785,"sentiment":"neutral","sentiment_score":0.06292206048965454},{"text":"No problem.","start":912.785,"end":913.425,"sentiment":"neutral","sentiment_score":0.19520586729049683},{"text":"So that's good.","start":913.425,"end":914.14496,"sentiment":"positive","sentiment_score":0.3735298812389374},{"text":"That's all gone.","start":914.14496,"end":914.96497,"sentiment":"neutral","sentiment_score":-0.015289842306325832}],"sentiment":"neutral","sentiment_score":0.14550634562461215,"num_words":11,"start":909.345,"end":914.96497},{"sentences":[{"text":"And in regards to any other assets that you currently hold there, Terry, do you have any sort of else that we're not sort of aware of?","start":915.105,"end":920.785,"sentiment":"neutral","sentiment_score":-0.009110051966099828},{"text":"Any sort of boats, caravans, things like that?","start":920.785,"end":922.96497,"sentiment":"neutral","sentiment_score":-0.003555340343154967},{"text":"Yep.","start":927.49,"end":927.89,"sentiment":"neutral","sentiment_score":0.06491713970899582},{"text":"Not a problem.","start":927.89,"end":928.53,"sentiment":"neutral","sentiment_score":0.1565620799859365},{"text":"And do you have, like even though, like, you do have, like, quite the high expenditure, you know, with paying child support, things like that, have you got, like, a little bit of a rainy day savings account, like, with a few 100 yeah.","start":928.53,"end":938.55,"sentiment":"neutral","sentiment_score":0.011677739316258918}],"sentiment":"neutral","sentiment_score":0.009325419081352562,"num_words":83,"start":915.105,"end":938.55},{"sentences":[{"text":"Do you know roughly how much is is no.","start":938.77,"end":949.77496,"sentiment":"neutral","sentiment_score":-0.009337980093227493},{"text":"You don't have to.","start":949.77496,"end":950.735,"sentiment":"neutral","sentiment_score":-0.016818026706459932},{"text":"No.","start":950.735,"end":950.81494,"sentiment":"neutral","sentiment_score":-0.04860616847872734},{"text":"That's just just for obviously notes there for regards to your assets and liabilities.","start":950.81494,"end":954.31,"sentiment":"neutral","sentiment_score":-0.03858406974800995},{"text":"But if you don't feel comfortable or don't wanna tell us, that's no more than fine there as well.","start":954.31,"end":958.41,"sentiment":"negative","sentiment_score":-0.394773100551806}],"sentiment":"neutral","sentiment_score":-0.17533587198085251,"num_words":47,"start":938.77,"end":958.41},{"sentences":[{"text":"Yep.","start":961.50995,"end":961.75,"sentiment":"neutral","sentiment_score":0.18200331926345825},{"text":"I'll just put it as a rough 10,000, which is good.","start":961.75,"end":963.75,"sentiment":"positive","sentiment_score":0.43338544260371814},{"text":"It's a nice cash buffer there in the event anything did happen, which is good.","start":963.75,"end":968.855,"sentiment":"positive","sentiment_score":0.6098260045051574},{"text":"And then apologies if you answered a few of these questions previously.","start":969.39496,"end":972.755,"sentiment":"neutral","sentiment_score":0.01173747672388951},{"text":"As I said, they have updated things, and a few of these haven't carried across all the information.","start":972.755,"end":976.27496,"sentiment":"neutral","sentiment_score":0.07518944703042507}],"sentiment":"neutral","sentiment_score":0.2735244389950183,"num_words":57,"start":961.50995,"end":976.27496},{"sentences":[{"text":"But you've never declared bankruptcy or anything like that, you, Terry?","start":976.27496,"end":979.27,"sentiment":"neutral","sentiment_score":-0.02030934156341986},{"text":"Did you enter in, like, to a part nine debt agreement or something like that when you were younger?","start":987.09,"end":990.705,"sentiment":"neutral","sentiment_score":-0.08162968154800565},{"text":"Did you enter, like, a part nine debt agreement or something when you were younger to pay off some debts?","start":993.585,"end":997.585,"sentiment":"neutral","sentiment_score":-0.09292272944003344},{"text":"Or Yeah.","start":997.585,"end":1008.87994,"sentiment":"neutral","sentiment_score":-0.06106472387909889},{"text":"No.","start":1008.87994,"end":1009.12,"sentiment":"neutral","sentiment_score":-0.09979136288166046}],"sentiment":"neutral","sentiment_score":-0.07273098313302365,"num_words":53,"start":976.27496,"end":1009.12},{"sentences":[{"text":"That's that's all and fine.","start":1009.12,"end":1010.24,"sentiment":"neutral","sentiment_score":-0.03197707608342171},{"text":"It wouldn't really sort of have much impact.","start":1010.24,"end":1012.01996,"sentiment":"neutral","sentiment_score":-0.14217839296907187},{"text":"Okay.","start":1026.735,"end":1027.235,"sentiment":"neutral","sentiment_score":-0.019241776317358017},{"text":"Yeah.","start":1027.615,"end":1028.01,"sentiment":"neutral","sentiment_score":0.03561336547136307},{"text":"Not a problem at all, Tay.","start":1028.09,"end":1029.79,"sentiment":"neutral","sentiment_score":0.061687335216750704}],"sentiment":"neutral","sentiment_score":-0.04337223446262734,"num_words":21,"start":1009.12,"end":1029.79},{"sentences":[{"text":"Yeah.","start":1033.37,"end":1033.87,"sentiment":"neutral","sentiment_score":-0.0033381320536136627},{"text":"That's it.","start":1033.93,"end":1034.49,"sentiment":"neutral","sentiment_score":-0.026315482333302498},{"text":"Like, it's in the way.","start":1034.49,"end":1035.37,"sentiment":"neutral","sentiment_score":-0.055362862348556516},{"text":"You're not worried about those sort of things for too long.","start":1035.37,"end":1037.87,"sentiment":"neutral","sentiment_score":-0.12380848706445911},{"text":"In in regards to your health, though, are you still currently a nonsmoker?","start":1039.93,"end":1043.035,"sentiment":"neutral","sentiment_score":0.04542564815626694}],"sentiment":"neutral","sentiment_score":-0.03450447937939316,"num_words":32,"start":1033.37,"end":1043.035},{"sentences":[{"text":"Everything's largely well.","start":1043.175,"end":1044.295,"sentiment":"neutral","sentiment_score":0.28946993748346966},{"text":"No significant health issues or medications that you're taking?","start":1044.295,"end":1047.275,"sentiment":"neutral","sentiment_score":0.06850997565521134},{"text":"Right.","start":1053.175,"end":1053.54,"sentiment":"neutral","sentiment_score":0.057616159319877625},{"text":"And do you currently hold private health insurance there, Terry?","start":1053.62,"end":1056.4401,"sentiment":"neutral","sentiment_score":0.01632125284522772},{"text":"Yeah.","start":1058.9,"end":1059.14,"sentiment":"neutral","sentiment_score":-0.004156220704317093}],"sentiment":"neutral","sentiment_score":0.07090300251729786,"num_words":24,"start":1043.175,"end":1059.14},{"sentences":[{"text":"No.","start":1059.14,"end":1059.38,"sentiment":"neutral","sentiment_score":-0.031191673129796985},{"text":"That's that's fine.","start":1059.38,"end":1060.36,"sentiment":"neutral","sentiment_score":0.2039416879415512},{"text":"And then within regards to your estate planning matters, I know you didn't have a will in place when you spoke us last.","start":1061.86,"end":1067.8151,"sentiment":"neutral","sentiment_score":0.03886711783707142},{"text":"Have you managed to do one with your your partner?","start":1067.8151,"end":1069.9751,"sentiment":"neutral","sentiment_score":0.011159490421414375},{"text":"Or yep.","start":1069.9751,"end":1077.5951,"sentiment":"neutral","sentiment_score":-0.01894547278061509}],"sentiment":"neutral","sentiment_score":0.03969951434872854,"num_words":39,"start":1059.14,"end":1077.5951},{"sentences":[{"text":"Yep.","start":1092.7101,"end":1093.035,"sentiment":"neutral","sentiment_score":-0.030027618631720543},{"text":"Yeah.","start":1101.1951,"end":1101.515,"sentiment":"neutral","sentiment_score":0.023647285997867584},{"text":"Okay.","start":1101.515,"end":1101.995,"sentiment":"neutral","sentiment_score":0.019488219171762463},{"text":"No.","start":1101.995,"end":1102.3151,"sentiment":"neutral","sentiment_score":-0.01287785917520523},{"text":"That that's fair.","start":1102.3151,"end":1103.2151,"sentiment":"neutral","sentiment_score":0.028768904507160187}],"sentiment":"neutral","sentiment_score":0.012362391554883547,"num_words":7,"start":1092.7101,"end":1103.2151},{"sentences":[{"text":"With that, you've obviously got your beneficiaries in force, which are your two kids there.","start":1103.5951,"end":1108.05,"sentiment":"neutral","sentiment_score":0.06796579485138257},{"text":"Now in regards to estate planning, there's, like, a state and non estate assets.","start":1108.6901,"end":1113.5901,"sentiment":"neutral","sentiment_score":0.04282164680106299},{"text":"So your estate assets are the things that are covered by the will.","start":1113.7301,"end":1116.29,"sentiment":"neutral","sentiment_score":0.055077653664809004},{"text":"Those non estate assets are the things like your superannuation, which have those beneficiaries just to ensure that if anything did happen to you, the money goes where you want it to go, if that makes sense.","start":1116.29,"end":1129.365,"sentiment":"neutral","sentiment_score":0.08099931055629575},{"text":"Yeah.","start":1129.5851,"end":1130.0851,"sentiment":"neutral","sentiment_score":0.04995951056480408}],"sentiment":"neutral","sentiment_score":0.06727416845969855,"num_words":80,"start":1103.5951,"end":1130.0851},{"sentences":[{"text":"Yeah.","start":1133.025,"end":1133.425,"sentiment":"neutral","sentiment_score":0.04212387278676033},{"text":"So with in regards to that one, the those nominations for superannuation is is towards the kids.","start":1133.425,"end":1140.6,"sentiment":"neutral","sentiment_score":0.07718649199780296},{"text":"Whatever you do in the will, whether or not it's part with your tobacco partner and things like that or how you split the rest of those assets, the estate assets, is up to you there at the end of the day.","start":1140.74,"end":1155.235,"sentiment":"neutral","sentiment_score":0.042842737798179896},{"text":"Yep.","start":1155.235,"end":1155.735,"sentiment":"neutral","sentiment_score":0.1336735337972641},{"text":"Yep.","start":1159.1549,"end":1159.6549,"sentiment":"neutral","sentiment_score":0.12598611414432526}],"sentiment":"neutral","sentiment_score":0.055054014067976706,"num_words":62,"start":1133.025,"end":1159.6549},{"sentences":[{"text":"Perfect.","start":1163.475,"end":1163.97,"sentiment":"positive","sentiment_score":0.4396987557411194},{"text":"And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner.","start":1166.37,"end":1174.2899,"sentiment":"neutral","sentiment_score":0.15157411925685713},{"text":"Did you get around to potentially doing that?","start":1174.2899,"end":1176.0499,"sentiment":"neutral","sentiment_score":0.12825831025838852},{"text":"Or Yep.","start":1176.0499,"end":1202.955,"sentiment":"neutral","sentiment_score":0.17418377101421356},{"text":"So your your main goal over that twelve month period is to be able to do your your holiday next year?","start":1204.875,"end":1211.855,"sentiment":"neutral","sentiment_score":0.3268944699139822}],"sentiment":"neutral","sentiment_score":0.2054972859020804,"num_words":71,"start":1163.475,"end":1211.855},{"sentences":[{"text":"Yep.","start":1250.58,"end":1250.98,"sentiment":"positive","sentiment_score":0.380206286907196},{"text":"Perfect.","start":1250.98,"end":1251.48,"sentiment":"positive","sentiment_score":0.6407014727592468},{"text":"And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment?","start":1251.7,"end":1261.5751,"sentiment":"neutral","sentiment_score":0.24931457142035165},{"text":"Yeah.","start":1284.77,"end":1285.215,"sentiment":"neutral","sentiment_score":0.025657646358013153},{"text":"No.","start":1285.615,"end":1286.095,"sentiment":"neutral","sentiment_score":-0.0657297670841217}],"sentiment":"neutral","sentiment_score":0.24887071610302539,"num_words":37,"start":1250.58,"end":1286.095},{"sentences":[{"text":"Completely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone.","start":1286.095,"end":1292.515,"sentiment":"neutral","sentiment_score":-0.14212571407357852},{"text":"Also keep it there as, like, a a goal that's sort of in your your mind.","start":1293.215,"end":1296.1749,"sentiment":"neutral","sentiment_score":0.18927684146910906},{"text":"We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as well.","start":1296.1749,"end":1306.0701,"sentiment":"neutral","sentiment_score":0.1201909157506963},{"text":"Yeah.","start":1308.93,"end":1309.17,"sentiment":"neutral","sentiment_score":0.18002843856811523},{"text":"So feel free to to reach out when you're sort of ready.","start":1309.17,"end":1312.29,"sentiment":"neutral","sentiment_score":0.18588416775067648}],"sentiment":"neutral","sentiment_score":0.0643799012562014,"num_words":106,"start":1286.095,"end":1312.29},{"sentences":[{"text":"We can sort of pass your details along, and they can have a conversation with you as well.","start":1312.29,"end":1316.0701,"sentiment":"neutral","sentiment_score":0.25321166465679806},{"text":"They're their own separate things.","start":1317.4049,"end":1318.6849,"sentiment":"neutral","sentiment_score":-0.035541266202926636},{"text":"So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends.","start":1318.6849,"end":1327.1849,"sentiment":"neutral","sentiment_score":-0.0003955570235848427},{"text":"But yeah.","start":1327.965,"end":1328.6849,"sentiment":"neutral","sentiment_score":0.0016851825639605522},{"text":"No.","start":1328.6849,"end":1329.005,"sentiment":"neutral","sentiment_score":-0.01882379874587059}],"sentiment":"neutral","sentiment_score":0.08538747595294434,"num_words":51,"start":1312.29,"end":1329.005},{"sentences":[{"text":"Good to have a chat anyway and see what sort of your options are.","start":1329.005,"end":1335.71,"sentiment":"neutral","sentiment_score":0.2143884367708649},{"text":"Yep.","start":1336.25,"end":1336.75,"sentiment":"positive","sentiment_score":0.36305031180381775},{"text":"And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you.","start":1337.05,"end":1344.09,"sentiment":"positive","sentiment_score":0.3846842980100995},{"text":"But with your insurance, I know you don't have any insurance currently there, Terry.","start":1344.09,"end":1347.465,"sentiment":"neutral","sentiment_score":-0.07157741167715617},{"text":"Are you still comfortable not having insurances given that you don't have any debts?","start":1347.5249,"end":1351.365,"sentiment":"neutral","sentiment_score":-0.11238678970507213}],"sentiment":"neutral","sentiment_score":0.1385524978977628,"num_words":64,"start":1329.005,"end":1351.365},{"sentences":[{"text":"Or yeah.","start":1351.365,"end":1356.1649,"sentiment":"neutral","sentiment_score":-0.0598938874900341},{"text":"Because it's obviously wait.","start":1356.1649,"end":1357.6849,"sentiment":"neutral","sentiment_score":-0.15271935798227787},{"text":"I'm sorry.","start":1357.6849,"end":1358.34,"sentiment":"neutral","sentiment_score":-0.21604333817958832},{"text":"Well, so the the main things there is with the different types.","start":1367.7,"end":1371.7,"sentiment":"neutral","sentiment_score":0.0160558451898396},{"text":"There's life, total permanent disability, income protection, and trauma insurance.","start":1371.7,"end":1374.895,"sentiment":"neutral","sentiment_score":-0.061652896413579586}],"sentiment":"neutral","sentiment_score":-0.05288702350420257,"num_words":30,"start":1351.365,"end":1374.895},{"sentences":[{"text":"Life's just life cover.","start":1374.955,"end":1376.1549,"sentiment":"neutral","sentiment_score":-0.016700671054422855},{"text":"If you go and you go on, it just pays a lump sum.","start":1376.1549,"end":1378.335,"sentiment":"neutral","sentiment_score":0.02799973264336586},{"text":"Total permanent disability is for things like if you're injured and unable to work moving forward, it just means that you might have some income instead of having to rely on, like, government assistance programs.","start":1378.5549,"end":1389.2949,"sentiment":"neutral","sentiment_score":-0.033132033262934006},{"text":"You know, to ensure you've got some income replaced to be able to cover things like that ongoing living expenses.","start":1390.06,"end":1394.9601,"sentiment":"neutral","sentiment_score":0.046164263412356375},{"text":"And then income protections, like, if you were in injured and unable to work for, like, a shorter period of time, if you're off work for, like, a month, then you could potentially claim on an income protection policy, which would be able to pay up to 70% of your your income to ensure that you're not going backwards too much.","start":1395.9,"end":1413.035,"sentiment":"neutral","sentiment_score":0.00025306293954614734}],"sentiment":"neutral","sentiment_score":0.0005736449887429861,"num_words":133,"start":1374.955,"end":1413.035},{"sentences":[{"text":"And then the last one there is trauma.","start":1413.035,"end":1415.4401,"sentiment":"neutral","sentiment_score":-0.12193977739661932},{"text":"So that's a lump sum again, but it's out of pocket cost that you have to pay, which given you cash flow might be a little bit harder.","start":1415.4401,"end":1422.3201,"sentiment":"neutral","sentiment_score":-0.1984741905970233},{"text":"But then it pays in the event of traumatic events such as, like, heart attacks, strokes, certain types of cancers, those sort of things, in the event that you need to take some time off to seek some medical treatment, pay some medical bills, things like that.","start":1422.3201,"end":1435.3151,"sentiment":"neutral","sentiment_score":-0.17135393619537354},{"text":"You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing.","start":1443.1901,"end":1453.1901,"sentiment":"neutral","sentiment_score":-0.2169075664775125},{"text":"If you were to pass away, your super balance would pass to the beneficiaries.","start":1453.1901,"end":1456.25,"sentiment":"neutral","sentiment_score":-0.28990968210356577}],"sentiment":"neutral","sentiment_score":-0.19790067884420592,"num_words":126,"start":1413.035,"end":1456.25},{"sentences":[{"text":"If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability.","start":1456.845,"end":1463.985,"sentiment":"neutral","sentiment_score":-0.18174479570653704},{"text":"Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection.","start":1464.205,"end":1469.505,"sentiment":"neutral","sentiment_score":-0.09681420694840581},{"text":"But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive.","start":1470.69,"end":1476.47,"sentiment":"negative","sentiment_score":-0.39876077391884546},{"text":"It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered.","start":1476.61,"end":1487.925,"sentiment":"neutral","sentiment_score":-0.33081581004154986},{"text":"Yeah.","start":1498.12,"end":1498.44,"sentiment":"neutral","sentiment_score":-0.03231211006641388}],"sentiment":"neutral","sentiment_score":-0.2634578254073858,"num_words":108,"start":1456.845,"end":1498.44},{"sentences":[{"text":"And then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened.","start":1498.44,"end":1506.7799,"sentiment":"neutral","sentiment_score":-0.1245117196192344},{"text":"You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the moment.","start":1506.84,"end":1520.9149,"sentiment":"neutral","sentiment_score":-0.1396802355619994},{"text":"Perfect.","start":1524.8201,"end":1525.14,"sentiment":"positive","sentiment_score":0.4414305686950683},{"text":"So we'll leave it later alone for now, but I'll make a note of that.","start":1525.14,"end":1528.76,"sentiment":"neutral","sentiment_score":0.1944414809346199},{"text":"I will quickly run through some questions there, Terry, just to gauge your risk tolerance.","start":1529.54,"end":1534.74,"sentiment":"neutral","sentiment_score":0.13486850950381873}],"sentiment":"neutral","sentiment_score":-0.05204038033806337,"num_words":116,"start":1498.44,"end":1534.74},{"sentences":[{"text":"But have you ever invested in any direct shares?","start":1534.74,"end":1537.14,"sentiment":"neutral","sentiment_score":0.007903497459159957},{"text":"I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares?","start":1537.14,"end":1541.535,"sentiment":"neutral","sentiment_score":-0.002449528356506066},{"text":"Yep.","start":1543.6749,"end":1544.1749,"sentiment":"neutral","sentiment_score":-0.006306675728410482},{"text":"And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day?","start":1544.315,"end":1555.71,"sentiment":"neutral","sentiment_score":-0.0733590138455232},{"text":"Yeah.","start":1564.345,"end":1564.745,"sentiment":"neutral","sentiment_score":0.1467551290988922}],"sentiment":"neutral","sentiment_score":-0.04152521429537439,"num_words":81,"start":1534.74,"end":1564.745},{"sentences":[{"text":"So with that, like, obviously, time comes into consideration as well.","start":1564.745,"end":1568.4249,"sentiment":"neutral","sentiment_score":0.18191114609891718},{"text":"Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive.","start":1568.4249,"end":1578.12,"sentiment":"neutral","sentiment_score":-0.023419447634792465},{"text":"But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working.","start":1578.68,"end":1594.315,"sentiment":"neutral","sentiment_score":0.2855096625500038},{"text":"And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense.","start":1594.375,"end":1599.515,"sentiment":"neutral","sentiment_score":0.08762385113083798},{"text":"Yep.","start":1602.375,"end":1602.875,"sentiment":"neutral","sentiment_score":0.0973856970667839}],"sentiment":"neutral","sentiment_score":0.14642421856988222,"num_words":140,"start":1564.745,"end":1602.875},{"sentences":[{"text":"And then I know your super has taken a little bit of a backwards step this year in terms to where it was previously.","start":1604.2949,"end":1611.75,"sentiment":"neutral","sentiment_score":-0.005223559215664864},{"text":"And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive.","start":1611.89,"end":1617.09,"sentiment":"neutral","sentiment_score":0.0434259937277862},{"text":"But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned?","start":1617.09,"end":1624.685,"sentiment":"neutral","sentiment_score":-0.2692705613694021},{"text":"Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve?","start":1624.685,"end":1630.4651,"sentiment":"neutral","sentiment_score":-0.2302998433319422},{"text":"Yeah.","start":1642.14,"end":1642.4601,"sentiment":"neutral","sentiment_score":-0.07987628877162933}],"sentiment":"neutral","sentiment_score":-0.1282066748663783,"num_words":100,"start":1604.2949,"end":1642.4601},{"sentences":[{"text":"So it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit.","start":1642.4601,"end":1647.845,"sentiment":"neutral","sentiment_score":-0.131553752720356},{"text":"You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period.","start":1647.845,"end":1652.985,"sentiment":"neutral","sentiment_score":-0.06799534854033719},{"text":"Yes.","start":1670.02,"end":1670.325,"sentiment":"neutral","sentiment_score":-0.12537914514541626},{"text":"Yeah.","start":1680.485,"end":1680.965,"sentiment":"neutral","sentiment_score":-0.06119709461927414},{"text":"No.","start":1680.965,"end":1681.205,"sentiment":"neutral","sentiment_score":-0.16457599401474}],"sentiment":"neutral","sentiment_score":-0.10203704055325657,"num_words":51,"start":1642.4601,"end":1681.205},{"sentences":[{"text":"That's it.","start":1681.205,"end":1681.605,"sentiment":"neutral","sentiment_score":-0.11448371782898902},{"text":"You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high.","start":1681.605,"end":1686.87,"sentiment":"neutral","sentiment_score":-0.23526978031510398},{"text":"Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold.","start":1686.87,"end":1694.79,"sentiment":"neutral","sentiment_score":0.026489750736139038},{"text":"But with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry.","start":1694.79,"end":1702.975,"sentiment":"neutral","sentiment_score":-0.013690175488591194},{"text":"Yep.","start":1706.7949,"end":1707.2949,"sentiment":"positive","sentiment_score":0.4423220753669739}],"sentiment":"neutral","sentiment_score":-0.06537823663914905,"num_words":68,"start":1681.205,"end":1707.2949},{"sentences":[{"text":"Perfect.","start":1708.875,"end":1709.375,"sentiment":"positive","sentiment_score":0.7288640141487122},{"text":"That does bring you out to a growth investor.","start":1710.715,"end":1712.955,"sentiment":"positive","sentiment_score":0.5558387769593133},{"text":"Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio.","start":1712.955,"end":1719.49,"sentiment":"neutral","sentiment_score":0.09603384751826524},{"text":"Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns?","start":1720.03,"end":1729.57,"sentiment":"neutral","sentiment_score":0.08648576149169136},{"text":"Yep.","start":1732.695,"end":1733.195,"sentiment":"neutral","sentiment_score":0.09514105319976808}],"sentiment":"neutral","sentiment_score":0.1644268754010017,"num_words":65,"start":1708.875,"end":1733.195},{"sentences":[{"text":"Obviously, we can look to adjust those as well as time goes on.","start":1733.335,"end":1737.355,"sentiment":"neutral","sentiment_score":0.07555362890259577},{"text":"But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards.","start":1738.9349,"end":1744.455,"sentiment":"neutral","sentiment_score":-0.1632308950242789},{"text":"Now that's because of a few reasons.","start":1744.455,"end":1746.54,"sentiment":"neutral","sentiment_score":-0.0871266680104392},{"text":"So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market.","start":1746.54,"end":1756.88,"sentiment":"neutral","sentiment_score":0.07100186809240018},{"text":"They had an underlying investment that didn't do too well.","start":1757.145,"end":1759.305,"sentiment":"neutral","sentiment_score":-0.2168032109737396}],"sentiment":"neutral","sentiment_score":-0.036045617017167055,"num_words":87,"start":1733.335,"end":1759.305},{"sentences":[{"text":"They weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio.","start":1759.305,"end":1765.5651,"sentiment":"negative","sentiment_score":-0.3347027122974396},{"text":"And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive.","start":1765.7051,"end":1771.75,"sentiment":"neutral","sentiment_score":-0.13423218999219977},{"text":"But within relate to that, they still have high conviction sort of in those tech investments coming back over time.","start":1771.75,"end":1777.61,"sentiment":"neutral","sentiment_score":-0.1422347988933325},{"text":"Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur.","start":1777.83,"end":1785.705,"sentiment":"neutral","sentiment_score":-0.13234766585559682},{"text":"So if you are happy, we will review your your investments there and look at just updating those with them.","start":1786.645,"end":1794.105,"sentiment":"neutral","sentiment_score":0.15020348131656647}],"sentiment":"neutral","sentiment_score":-0.12017949354568762,"num_words":112,"start":1759.305,"end":1794.105},{"sentences":[{"text":"Yeah.","start":1794.565,"end":1795.0449,"sentiment":"neutral","sentiment_score":0.08872848749160767},{"text":"And then provide you that document sort of stating that, and we'll have a a chat about that.","start":1795.0449,"end":1799.4,"sentiment":"neutral","sentiment_score":0.11987725562519497},{"text":"But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done?","start":1799.64,"end":1808.92,"sentiment":"neutral","sentiment_score":0.24161790673797195},{"text":"Or do you is there anything else you want, like, to have lumped in with that?","start":1808.92,"end":1812.825,"sentiment":"neutral","sentiment_score":0.07098447741009295},{"text":"Is there anything else you want addressed at the moment?","start":1812.825,"end":1814.845,"sentiment":"neutral","sentiment_score":0.03111659288406372}],"sentiment":"neutral","sentiment_score":0.1540646244567342,"num_words":82,"start":1794.565,"end":1814.845},{"sentences":[{"text":"Yep.","start":1817.945,"end":1818.345,"sentiment":"neutral","sentiment_score":0.08766134828329086},{"text":"Not a problem at all.","start":1818.345,"end":1819.565,"sentiment":"neutral","sentiment_score":0.20422693490982055},{"text":"And then with that one there, Terry, I will send you your annual review documents.","start":1820.105,"end":1824.505,"sentiment":"neutral","sentiment_score":0.161118745803833},{"text":"So with this, you'll have it'll come by OdooSign.","start":1824.505,"end":1827.56,"sentiment":"neutral","sentiment_score":0.1558434474799368},{"text":"It is a little bit different to DocuSigns you've probably previously used.","start":1827.56,"end":1830.28,"sentiment":"neutral","sentiment_score":0.10945900746931632}],"sentiment":"neutral","sentiment_score":0.14861134111526467,"num_words":42,"start":1817.945,"end":1830.28},{"sentences":[{"text":"It'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates.","start":1830.28,"end":1839.0,"sentiment":"neutral","sentiment_score":0.14866475611925126},{"text":"As I said, there's been a few business updates as well.","start":1839.0,"end":1841.42,"sentiment":"neutral","sentiment_score":0.16212598234415054},{"text":"You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover.","start":1842.095,"end":1849.955,"sentiment":"neutral","sentiment_score":0.1934312586983045},{"text":"And the signable documents in that one, Terry, will be your tax file opt in form.","start":1850.5751,"end":1855.615,"sentiment":"neutral","sentiment_score":0.1654551476240158},{"text":"So we're just changing the form and where we keep your tax file numbers stored.","start":1855.615,"end":1859.03,"sentiment":"neutral","sentiment_score":0.07316921999057134}],"sentiment":"neutral","sentiment_score":0.15481457757014855,"num_words":102,"start":1830.28,"end":1859.03},{"sentences":[{"text":"And then we'll also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months.","start":1859.25,"end":1864.31,"sentiment":"neutral","sentiment_score":0.12672824785113335},{"text":"And then it'll outline the fees, the projected fees that you're expected to pay during that period.","start":1864.53,"end":1869.27,"sentiment":"neutral","sentiment_score":0.10264665633440018},{"text":"And then, also, it'll have a lost super search authority.","start":1869.515,"end":1872.2351,"sentiment":"neutral","sentiment_score":0.052389997988939285},{"text":"So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is if that makes all sense.","start":1872.2351,"end":1886.8201,"sentiment":"neutral","sentiment_score":0.05249760464693491},{"text":"Yep.","start":1888.4801,"end":1888.7201,"sentiment":"neutral","sentiment_score":0.11496886610984802}],"sentiment":"neutral","sentiment_score":0.07794647714466725,"num_words":103,"start":1859.25,"end":1888.7201},{"sentences":[{"text":"Do you have any questions in regards to those documents that I'll be sending out there, Terry?","start":1888.7201,"end":1892.5,"sentiment":"neutral","sentiment_score":0.059542621978942084},{"text":"Yep.","start":1895.68,"end":1896.0,"sentiment":"neutral","sentiment_score":0.044270679354667664},{"text":"Not a problem.","start":1896.0,"end":1896.4801,"sentiment":"neutral","sentiment_score":0.15561310946941376},{"text":"And this will just be going to TerryBallo309@Gmail.com.","start":1896.4801,"end":1900.115,"sentiment":"neutral","sentiment_score":0.08721455186605453},{"text":"Is that still correct?","start":1900.115,"end":1901.095,"sentiment":"neutral","sentiment_score":0.057722981087863445}],"sentiment":"neutral","sentiment_score":0.07430130062681256,"num_words":33,"start":1888.7201,"end":1901.095},{"sentences":[{"text":"Perfect.","start":1903.475,"end":1903.975,"sentiment":"positive","sentiment_score":0.5478026866912842},{"text":"So feel free to have a look at those when you get home.","start":1904.195,"end":1906.615,"sentiment":"positive","sentiment_score":0.3826998265889975},{"text":"And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in.","start":1906.835,"end":1912.515,"sentiment":"neutral","sentiment_score":0.2581037970052825},{"text":"So at any point, you did wanna sort of move on to to something else.","start":1912.515,"end":1916.1699,"sentiment":"neutral","sentiment_score":0.21036182940006257},{"text":"That's not a problem as well.","start":1916.1699,"end":1917.45,"sentiment":"positive","sentiment_score":0.3526357312997182}],"sentiment":"neutral","sentiment_score":0.2913209548536337,"num_words":53,"start":1903.475,"end":1917.45},{"sentences":[{"text":"But then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for you.","start":1917.45,"end":1930.825,"sentiment":"neutral","sentiment_score":0.19602885363357408},{"text":"Perfect.","start":1930.825,"end":1931.325,"sentiment":"positive","sentiment_score":0.5379564166069031},{"text":"But do you have any other questions in regards to anything we've covered today there, Terry?","start":1931.865,"end":1938.93,"sentiment":"neutral","sentiment_score":0.184117513243109},{"text":"Happy with everything else?","start":1941.81,"end":1942.77,"sentiment":"positive","sentiment_score":0.4431430846452713},{"text":"Don't have any questions in regards to any of that?","start":1942.77,"end":1944.9501,"sentiment":"neutral","sentiment_score":0.05934091508388519}],"sentiment":"neutral","sentiment_score":0.19218010202807895,"num_words":59,"start":1917.45,"end":1944.9501},{"sentences":[{"text":"Yep.","start":1947.7301,"end":1948.2301,"sentiment":"neutral","sentiment_score":-0.0831734910607338},{"text":"The only other thing that we probably need to update there is just your ID on file.","start":1948.37,"end":1951.485,"sentiment":"neutral","sentiment_score":-0.100124952109421},{"text":"Now that could either be, like, a driver's license or the passport that you've done just so we have a valid up to date copy.","start":1951.485,"end":1956.785,"sentiment":"neutral","sentiment_score":-0.0463810333609581},{"text":"The one we have on file has just expired.","start":1956.845,"end":1958.6849,"sentiment":"neutral","sentiment_score":-0.20413292282157475},{"text":"So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option.","start":1958.6849,"end":1970.49,"sentiment":"neutral","sentiment_score":0.24563793428242206}],"sentiment":"neutral","sentiment_score":0.05482062559736812,"num_words":92,"start":1947.7301,"end":1970.49},{"sentences":[{"text":"Yep.","start":1972.71,"end":1973.03,"sentiment":"positive","sentiment_score":0.357793927192688},{"text":"I'll just get them to send off that email and just request that one if you were happy with it.","start":1973.03,"end":1976.71,"sentiment":"positive","sentiment_score":0.42952155470848086},{"text":"And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything.","start":1976.71,"end":1985.145,"sentiment":"positive","sentiment_score":0.39428277015686036},{"text":"I believe let me just check check when it was created.","start":1990.805,"end":1995.07,"sentiment":"neutral","sentiment_score":0.09900025210597298},{"text":"Bear with me.","start":1995.5299,"end":1996.4299,"sentiment":"neutral","sentiment_score":0.11520817379156749}],"sentiment":"positive","sentiment_score":0.3454678467341832,"num_words":70,"start":1972.71,"end":1996.4299},{"sentences":[{"text":"So as long as it's signed before the March 24, that should be fine.","start":2007.645,"end":2013.805,"sentiment":"neutral","sentiment_score":0.19349057227373123},{"text":"So you've got plenty of time there.","start":2013.805,"end":2015.505,"sentiment":"neutral","sentiment_score":0.23280161832060134},{"text":"Yep.","start":2018.285,"end":2018.525,"sentiment":"neutral","sentiment_score":0.2050078809261322},{"text":"So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well.","start":2018.525,"end":2026.14,"sentiment":"neutral","sentiment_score":0.28332443204190993},{"text":"Too easy.","start":2028.84,"end":2029.4,"sentiment":"neutral","sentiment_score":0.3187408298254013}],"sentiment":"neutral","sentiment_score":0.25158291266245003,"num_words":51,"start":2007.645,"end":2029.4},{"sentences":[{"text":"Not a problem, Terry.","start":2029.4,"end":2030.2,"sentiment":"positive","sentiment_score":0.467159166932106},{"text":"Well, thanks for your time, Terry.","start":2030.2,"end":2031.24,"sentiment":"positive","sentiment_score":0.716110905011495},{"text":"I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments.","start":2031.24,"end":2035.9,"sentiment":"positive","sentiment_score":0.4604443383216858},{"text":"Problem, Terry.","start":2039.3689,"end":2039.929,"sentiment":"neutral","sentiment_score":0.320760115981102},{"text":"Thank you very much.","start":2039.929,"end":2040.8889,"sentiment":"positive","sentiment_score":0.6820081621408463}],"sentiment":"positive","sentiment_score":0.5133161813747592,"num_words":41,"start":2029.4,"end":2040.8889},{"sentences":[{"text":"Bye.","start":2040.8889,"end":2041.3889,"sentiment":"positive","sentiment_score":0.3609548509120941}],"sentiment":"positive","sentiment_score":0.3609548509120941,"num_words":1,"start":2040.8889,"end":2041.3889}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to OP Financial. This is Jacob speak\n\nChannel 0: Yeah. How are we going? It's Terry. I had a phone call, and I you said you called me back in five minutes.\n\nChannel 1: Yeah. No worries. Oh, yeah. Righto. That's all good.\n\nWas that for Kyle?\n\nChannel 0: I think so. Yeah. Yeah.\n\nChannel 1: Yeah. No worries. Did you have an appointment booked with him, Terry?\n\nChannel 0: Yeah. 02:30.\n\nChannel 1: Oh, okay. Yep. No worries. That's all good. What I'll do, Terry, is I'll just run you through a quick security.\n\nSo I'll get you to confirm your date of birth and current address for me, please.\n\nChannel 0: Okay. That's the 1971,\n\nChannel 1: Yeah.\n\nChannel 0: and it's 2 Roycroft Place, Adenza Park 2176.\n\nChannel 1: Beauty. Thanks for that, Terry. What I'll do is I'll just see where the call is still available. And if he is, I'll transfer you through, and it'll be the next person\n\nChannel 0: Okay. Now\n\nChannel 1: you\n\nChannel 0: I see here.\n\nChannel 1: talk with. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become\n\nChannel 0: I\n\nChannel 1: the most\n\nChannel 0: got\n\nChannel 1: trusted\n\nChannel 0: fucking shit\n\nChannel 1: household\n\nChannel 0: off your\n\nChannel 1: name\n\nChannel 0: head, and\n\nChannel 1: in\n\nChannel 0: you're\n\nChannel 1: financial\n\nChannel 0: fucking\n\nChannel 1: planning\n\nChannel 0: idiot.\n\nChannel 1: throughout Australia.\n\nChannel 0: That you can\n\nChannel 1: We\n\nChannel 0: see.\n\nChannel 1: thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial\n\nChannel 0: I'll take it off\n\nChannel 1: Yeah.\n\nChannel 0: it. Oh, yeah. Yeah. No worries. It's a car?\n\nYeah. Okay. Yep.\n\nChannel 1: Brilliant. Yeah. As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going. I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened. But before we get started there, Terry, is there anything that you had sort of caused concerns or any questions you had regarding your account?\n\nChannel 0: It just seems like the money just goes it's not going any further. When I first joined, it it rocketed, and then and now it's like it's hovering up and down, up and down, up and down doing nothing wrong.\n\nChannel 1: Yeah. So can you give you an information in regards to sort of what has happened during that? Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket. This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again.\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, that sort of as, like, an average return since you've been onboard is sitting around, like, after fees around 6.26% with that dip that did occur. So this year, it obviously was a little bit of a negative return. But in saying that, like, overall, it is still up and like you did have that skyrocket queue. We can also look to adjust your investments and review that and just have a look and see if there's any adjustments and refreshes we can make to see that it, like, continues to get growth moving\n\nChannel 0: Yes. Yes. So that's that's the whole reason I joined you, fellas, because I\n\nChannel 1: forward.\n\nChannel 0: hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do.\n\nChannel 1: Yep. Not a not a problem at all there, Terry. Obviously, you know, we all are in the mercy of the market there at the end of the day as well. But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made. As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip.\n\nSo we might wanna look at adjusting a few things just to move forward and see how it from\n\nChannel 0: Yeah. Yeah. Well, like I said, you just need to make the\n\nChannel 1: there.\n\nChannel 0: decision because I I don't know what I'm invested in and then, like, I I might look at this every three months, my my statement or whatever that on my phone and stuff like that. It's not something I look at it every day.\n\nChannel 1: Yeah. I completely understand. I will ask you a few questions just to gauge your sort of risk and things. But as I said, we'll still make the recommendation. We won't sort of throw you with a million options.\n\nI'll, like, sort of based on the answers you give me, make a recommendation there for you. And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well.\n\nChannel 0: Yeah. Yeah. Because all I got is a mobile phone. I haven't even got a downloaded on a laptop or iPad\n\nChannel 1: Yeah.\n\nChannel 0: or something to see it better or whatever. Just make\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: So\n\nChannel 0: why it makes it difficult for me to look at something like that.\n\nChannel 1: yeah. So so with that one, we won't just, like, hand you the document. We'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still. So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as well\n\nChannel 0: Yeah.\n\nChannel 1: so you have an understanding of what's actually going on, if that\n\nChannel 0: Yeah. Yeah. Well, like, you know,\n\nChannel 1: makes\n\nChannel 0: I'm\n\nChannel 1: sense.\n\nChannel 0: a person that just really goes with the flow, like, you know, I'll I'll probably won't even read it. I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I\n\nChannel 1: Yep.\n\nChannel 0: didn't go to school that for that long. And when I was in school, I was at the headmaster's office all the time, mate.\n\nChannel 1: Yep. I can completely understand there there, Terry. So we'll obviously, you know, hold hold your hands here. We're not gonna throw something at you. We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day.\n\nIf you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well.\n\nChannel 0: Yeah. Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money. But I don't wanna leave it to a long time. Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment.\n\nChannel 1: Yep. And with that, are you looking to sort of start doing some form of, like, salary sacrifice or things like that to help your superannuation grow while you're sort of leading up to those retirement years? Or\n\nChannel 0: Yeah. What do you mean by that? Like, you you can invest in something that's gonna make me the money. Yeah.\n\nChannel 1: oh, no. But also, like, your with from your your income there as well if you were looking for any more\n\nChannel 0: Well, my income pays my bills and stuff like that, and I only whatever my boss puts in, that's all that goes in is because, like, you know, I'm I personally day by day. I've got bills. I've got child support. I've got all the other stuff I have to pay before I can even really add to my superannuation. But maybe another four years before my I stopped paying child support with it.\n\nMaybe I can put that into more money into my retirement. But, you know, I'll get you know, by the end of the month, when I get paid, I'll just have barely enough money. Oh, my what am I gonna do? There's a car coming, mate. Yeah.\n\nChannel 1: Yep. No. Understandable. So what I'll do there, Terry, is I'll just run through and update a few of your details. I will get the process started at least there, and I'll just confirm a few things.\n\nSo in regards to your address, so you're still at the 54 Street?\n\nChannel 0: No. No. It's 2 Roycroft Place, Podenza Farm.\n\nChannel 1: Yep. Sorry. I'm just looking that up to make sure I'm alright. So 2 Roycott Place, Rosa Park, was it? No.\n\nChannel 0: Adenza,\n\nChannel 1: That's\n\nChannel 0: P\n\nChannel 1: Oh,\n\nChannel 0: D\n\nChannel 1: I didn't.\n\nChannel 0: E N.\n\nChannel 1: Alright. It's just not\n\nChannel 0: Well, the other day when the lady was speaking to me, she said you had that address, and I just to the other seller, I just called. I just gave me my date of birth and that address, and\n\nChannel 1: Yeah. Apologies. They're like they haven't done a process change. So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews. So with that one there, it just wasn't in that workbook.\n\nSo I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well. So that's what\n\nChannel 0: Okay.\n\nChannel 1: I was that's what I was just checking to make sure it was updated across all of them as to this CRM change that they did have, and it looks like it's everywhere but what I've got here. So that's all updated now, and that should be fine there as well.\n\nChannel 0: Okay. Alright. Thank you.\n\nChannel 1: No problem. And then as far as your relationship status at the moment, do you still have a De facto partner?\n\nChannel 0: Yes. Yes. I'm married now.\n\nChannel 1: I'm married? Yep. No problem. And we don't have your spouse's name as, like, a next of kin contact or something. Did you wanna put down your partner in the event that we couldn't reach you just to reach out to?\n\nNot for any sort of marketing or anything like that, just to reach out if we couldn't get ahold of you.\n\nChannel 0: No. She wouldn't be you know, she's got her own super her own thing, and\n\nChannel 1: This\n\nChannel 0: and\n\nChannel 1: is just\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: haven't\n\nChannel 1: next\n\nChannel 0: got\n\nChannel 1: step\n\nChannel 0: a\n\nChannel 1: in\n\nChannel 0: number.\n\nChannel 1: contact.\n\nChannel 0: I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that.\n\nChannel 1: No. That's not a problem at all. So with that, I'll just put that your next sorry.\n\nChannel 0: Maybe next time I speak or I can have a look or whatever.\n\nChannel 1: Yeah. Yeah. It's just a next of kin contact just in the event that we couldn't contact you for whatever extended period of time. We just touch base with that person that was listed. So you can just provide that another day.\n\nThat's that's more than fine. And\n\nChannel 0: Okay.\n\nChannel 1: then is\n\nChannel 0: Yep.\n\nChannel 1: that's fine. And then in relation to your job there, Terry, are you still doing the metal fabrication and truck\n\nChannel 0: Yes. Well, the company's changed name now. It's a it's Acentis now. Acentis, a n e s t I s.\n\nChannel 1: it, sir? Yep. And then with that role, is it still a 100% full time?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Brilliant. And is that like a thirty eight hour week, or do you do a bit more overtime? Or\n\nChannel 0: Yeah. Thirty eight. Like, I do overtime, but, like, you know, I only get paid for I I get a phone, you know, full time, so you get paid for your thirty eight hours. If you do any more thing more, like\n\nChannel 1: yeah. Right. And then how long have you been with that that role there as well? I just don't have it sort of listed there.\n\nChannel 0: Been with the company twenty two years.\n\nChannel 1: Yeah. Brilliant. And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like\n\nChannel 0: No. No. Well, the last probably seven years or whatever that I've been truck driving.\n\nChannel 1: that? Okay.\n\nChannel 0: Delivering doing delivery in a\n\nChannel 1: Is\n\nChannel 0: little\n\nChannel 1: that\n\nChannel 0: truck or whatever.\n\nChannel 1: is that locally?\n\nChannel 0: Yes. Yeah. It's all around. Yeah. All around Sydney.\n\nSometimes I might go out of Sydney a couple of times, but that's\n\nChannel 1: Yep.\n\nChannel 0: very rarely.\n\nChannel 1: Perfect. Perfect. And then as far as your income at the moment there, Terry, is that still around the 76,000?\n\nChannel 0: I think it's a little bit more, mate, now. Could be that twice around that. Yeah. Between 76 to 80, I think. Something\n\nChannel 1: Yep. I might yeah. I'll just put it sort of in the the middle there.\n\nChannel 0: like that. The same, like, you know, my everything's on digital now and, like, if the money's in the bank, it's in the bank, mate. I don't even look at my payslip or whatever. Like, just like I said, I didn't go to school that long, mate, and I can't that's if my if my wife doesn't help me out with it, I don't know what I'm doing.\n\nChannel 1: Yeah. No. Completely. And does she do, like, a little household budget as well? Or\n\nChannel 0: No. Not really. We have our you know, we pay, you know, what I have to pay, I have to pay, and, you know, what you know, go through with the rent and all the, you know, the bills and stuff like that. And\n\nChannel 1: But at\n\nChannel 0: but\n\nChannel 1: the moment with the child support and things like that, it sort of takes up your entire paycheck at the end of the day once sort of have your discretionary spending, things like that as well.\n\nChannel 0: Yes. Yes. Yeah. Well, that's that's that's on my side because, yeah, we haven't we we not haven't got a joint account or nothing like that yet.\n\nChannel 1: Okay. No. Understandable. And and then in regards to your asset liability, I know you've got the car worth around 15 there with something owing on that. Do you know how much that's sitting at at the moment?\n\nChannel 0: No. No. I don't know anything's gonna.\n\nChannel 1: Oh, nothing owing left? Yep.\n\nChannel 0: Pay\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: okay. No\n\nChannel 0: off\n\nChannel 1: problem. So that's good. That's all gone.\n\nChannel 0: the\n\nChannel 1: And in regards to any other assets\n\nChannel 0: car.\n\nChannel 1: that you currently hold there, Terry, do\n\nChannel 0: Pay\n\nChannel 1: you have any sort of else that we're\n\nChannel 0: that\n\nChannel 1: not sort of aware of? Any sort of boats,\n\nChannel 0: off.\n\nChannel 1: caravans, things like that?\n\nChannel 0: No. I\n\nChannel 1: Yep. Not a problem. And do you have, like even though, like, you do have, like, quite the high expenditure, you know, with paying child support, things like that, have you got, like, a little bit of a rainy day savings\n\nChannel 0: don't know.\n\nChannel 1: account, like, with\n\nChannel 0: Yes?\n\nChannel 1: a few 100 yeah. Do you know\n\nChannel 0: Yeah.\n\nChannel 1: roughly\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: how much\n\nChannel 0: I've\n\nChannel 1: is\n\nChannel 0: got a\n\nChannel 1: is\n\nChannel 0: I've got a that I don't know. Do I have to tell you how much I got in there, or what is it like? You\n\nChannel 1: no.\n\nChannel 0: know?\n\nChannel 1: You don't have to. No. That's just just for obviously notes there for regards to your assets and liabilities.\n\nChannel 0: Oh,\n\nChannel 1: But if you don't feel comfortable or don't wanna tell us, that's no more than fine\n\nChannel 0: it's not\n\nChannel 1: there\n\nChannel 0: that\n\nChannel 1: as\n\nChannel 0: I\n\nChannel 1: well.\n\nChannel 0: have oh, sorry. I don't I have a 10,000 anymore.\n\nChannel 1: Yep. I'll just put it as a rough 10,000, which is good. It's a nice cash buffer there in the event anything did happen, which is good. And then apologies if you answered a few of these questions previously. As I said, they have updated things, and a few of these haven't carried across all the information.\n\nBut you've never declared bankruptcy or anything like that, you, Terry?\n\nChannel 0: No. I'm not too sure. It would have been if I was young. Like\n\nChannel 1: Did\n\nChannel 0: but\n\nChannel 1: you enter in, like, to\n\nChannel 0: but\n\nChannel 1: a part nine debt agreement or something like that when you were younger?\n\nChannel 0: Beg your pardon?\n\nChannel 1: Did you enter, like, a part nine debt agreement or something when you were younger to pay off some debts? Or\n\nChannel 0: I think I think it was, like, when I was 18 or something. I can't even remember. Like like, I don't I'm not too sure.\n\nChannel 1: Yeah. No. That's that's all and fine. It wouldn't really\n\nChannel 0: I\n\nChannel 1: sort\n\nChannel 0: think\n\nChannel 1: of have\n\nChannel 0: I\n\nChannel 1: much\n\nChannel 0: think\n\nChannel 1: impact.\n\nChannel 0: I was supposed to. I think I was, but my boss now helped me out and paid it off, like, what I had to do, and I just to pay him back. It's like, you know, it would have been, you know, like, I don't even remember what I've done yesterday, mate. Like, I'll wake up and it's, you know\n\nChannel 1: Okay. Yeah. Not a problem at\n\nChannel 0: yeah.\n\nChannel 1: all,\n\nChannel 0: I\n\nChannel 1: Tay.\n\nChannel 0: know these sometimes, you know, then it was a long time ago anyway.\n\nChannel 1: Yeah. That's it. Like, it's in the way. You're not worried about those sort of things for too long.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: In in regards to your health, though, are you still currently a nonsmoker? Everything's largely well. No significant health issues or medications that you're taking?\n\nChannel 0: Yeah. Yeah. I'm still the same on FICO and everything on it.\n\nChannel 1: Right. And do you currently hold private health insurance there, Terry?\n\nChannel 0: No. It's not.\n\nChannel 1: Yeah. No. That's that's fine. And then within regards to your estate planning matters, I know you didn't have a will in place when you spoke us last. Have you managed to do one with your your partner?\n\nOr\n\nChannel 0: No. Not yet. We're working on something, but not at the moment.\n\nChannel 1: yep.\n\nChannel 0: Oh, I'm already. So that's it. I might have. I don't even know. So I think we might have.\n\nBut, man, I have to double check the next time I'll find out if we have\n\nChannel 1: Yep.\n\nChannel 0: something else. I know I've got my passport and stuff like that, but I'm not too sure he added a wheel and all that kind of stuff at the same time.\n\nChannel 1: Yeah. Okay. No. That that's fair. With that, you've obviously got your beneficiaries in force, which are your two kids there.\n\nNow\n\nChannel 0: Yeah.\n\nChannel 1: in regards to estate planning, there's, like, a state and non estate assets. So your estate assets are the things that are covered by the will. Those non estate assets are the things like your superannuation, which have those beneficiaries just to ensure that if anything did happen to you, the money goes where you want it to go,\n\nChannel 0: Yeah.\n\nChannel 1: if\n\nChannel 0: That's\n\nChannel 1: that makes sense. Yeah.\n\nChannel 0: Yeah. It's gotta be to Marquis, isn't it?\n\nChannel 1: Yeah. So with in regards to that one, the those nominations for superannuation is is towards the kids. Whatever you do in the will, whether or not it's part with your tobacco partner and things like that or how you split the rest of those assets, the estate assets, is up to you\n\nChannel 0: Yeah.\n\nChannel 1: there at the\n\nChannel 0: Yeah. Well, she did the same, and I think, like, you know, she's got two kids herself,\n\nChannel 1: end of the\n\nChannel 0: and\n\nChannel 1: day. Yep.\n\nChannel 0: I've got two kids, and it'll be the same, like, you know, like, it's\n\nChannel 1: Yep. Perfect.\n\nChannel 0: different.\n\nChannel 1: And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner. Did you get around to potentially doing that? Or Yep. So your your main goal over that twelve month period is to be able to do your your holiday next year?\n\nChannel 0: Yeah. Yeah. Well, we're doing stuff this year. Another cruise in June, and we've got more holidays in August where we're probably going to either the where is it? Fiji or the Cook Islands or something like that.\n\nWe were supposed to go to Malta in August, but with what's happening and that in Europe and stuff and, like, if we I watched it. Everything's happening. We'll probably wait till next year to do something like that.\n\nChannel 1: Yep. Perfect. And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment?\n\nChannel 0: We do talk about it. Like, now we're both, like, you know, we've got the partner and she's got a good job and I've got my job and, like, we do look at it and talk about it, but, like, you know, it's not easy to get that down deposit and stuff like that, whatever we need at home.\n\nChannel 1: Yeah. No. Completely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone. Also keep it there as, like, a a goal that's sort of in your your mind. We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as well.\n\nChannel 0: Okay. Yeah. Yeah. Yeah. I\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: So\n\nChannel 0: tell\n\nChannel 1: feel\n\nChannel 0: her\n\nChannel 1: free\n\nChannel 0: that.\n\nChannel 1: to to reach out when you're sort of ready. We can sort of pass your details along, and they can have a conversation with you as well.\n\nChannel 0: Yep.\n\nChannel 1: They're their own separate things. So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends. But yeah. No. Good to have a chat anyway and see\n\nChannel 0: Yes.\n\nChannel 1: what sort of your options\n\nChannel 0: Yes. Yes. That sounds\n\nChannel 1: are.\n\nChannel 0: good.\n\nChannel 1: Yep. And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you. But with your insurance, I know you don't have any insurance currently there, Terry. Are you still comfortable not having insurances given that you don't have any debts? Or\n\nChannel 0: Yeah. Yeah. Yeah. Not at the moment. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Maybe\n\nChannel 1: Because it's obviously wait. I'm sorry.\n\nChannel 0: maybe I might do it next year or something like that. What's what's that what's the benefit of having insurance?\n\nChannel 1: Well, so the the main things there is with the different types. There's life, total permanent disability, income protection, and trauma insurance. Life's just life cover. If you go and you go on, it just pays a lump sum. Total permanent disability is for things like if you're injured and unable to work moving forward, it just means that you might have some income instead of having to rely on, like, government assistance programs.\n\nYou know, to ensure you've got some income replaced to be able to cover things like that ongoing living expenses. And then\n\nChannel 0: Okay.\n\nChannel 1: income protections, like, if you were in injured and unable to work for, like, a shorter period of time, if you're off work for, like, a month, then you could potentially claim on an income protection policy, which would be able to pay up to 70% of your your income to ensure that you're not going backwards too much. And then the last one there is trauma. So that's a lump sum again, but it's out of pocket cost that you have to pay, which given you cash flow might be a little bit harder. But then it pays in the event of traumatic events such as, like, heart attacks, strokes, certain types of cancers, those sort of things, in the event that you need to take some time off to seek some medical treatment, pay some medical bills, things like that.\n\nChannel 0: Okay. So if anything that happens to me, like that, I I won't be able to get in use any of my super.\n\nChannel 1: You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing. If you were to pass away, your super balance would pass to the beneficiaries. If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability. Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection. But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive.\n\nIt's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered.\n\nChannel 0: Okay. Maybe next time, I'll get a a bill when I got my wife beside me, so she she'd understand it more than me.\n\nChannel 1: Yeah. And then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened. You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the moment.\n\nChannel 0: Yep.\n\nChannel 1: Perfect.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Alright.\n\nChannel 1: we'll leave it later alone for now, but I'll make a note of that. I will quickly run through some questions there, Terry, just to gauge your risk tolerance. But have you ever invested in any direct shares? I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares?\n\nChannel 0: No.\n\nChannel 1: Yep. And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day?\n\nChannel 0: Yeah. Whatever you decide. Yeah. I don't care. Like, if if it's a good thing, go for it.\n\nChannel 1: Yeah. So with that, like, obviously, time comes into consideration as well. Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive. But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working. And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep. And then I know your super has taken a little bit of a backwards step this year in terms to where it was previously. And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive. But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned? Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve?\n\nChannel 0: Well, like, last time, I didn't even realize I lost $10 or whatever. Well, the case was The last thing was on or $20 or something.\n\nChannel 1: Yeah. So it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit. You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period.\n\nChannel 0: Like I said, mate, like, sometimes I forget I was I've got a super. I wasn't till I realized me missus said, oh, she was talking about someone at her work, and I said, oh, shit. I better check mine. And you didn't know. Oh, shit.\n\nThey're there. I lost $20. You know?\n\nChannel 1: Yes.\n\nChannel 0: It's not something I go into every day. You know? Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late.\n\nChannel 1: Yeah. No. That's it. You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high. Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold.\n\nBut with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep. Perfect. That does bring you out to a growth investor. Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio. Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns?\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Obviously, we can look to adjust those as well as time goes on. But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards. Now that's because of a few reasons. So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market.\n\nThey had an underlying investment that didn't do too well. They weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio. And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive. But within relate to that, they still have high conviction sort of in those tech investments coming back over time. Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur.\n\nSo if you are happy, we will review your your investments there and look at just updating those with\n\nChannel 0: Okay.\n\nChannel 1: them. Yeah. And then provide you that document sort of stating that, and we'll have a a chat about that. But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done? Or do you is there anything else you want, like, to have lumped in with that?\n\nIs there anything else you want addressed at the moment?\n\nChannel 0: Not too good.\n\nChannel 1: Yep. Not a problem at all. And then with that one there, Terry, I will send you your annual review documents. So with this, you'll have it'll come by OdooSign. It is a little bit different to DocuSigns you've probably previously used.\n\nIt'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates. As I said, there's been a few business updates as well. You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover. And the signable documents in that one, Terry, will be your tax file opt in form. So we're just changing the form and where we keep your tax file numbers stored.\n\nAnd then we'll\n\nChannel 0: Yeah.\n\nChannel 1: also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months. And then it'll outline the fees, the projected fees that you're expected to pay during that period. And then, also, it'll have a lost super search authority. So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is\n\nChannel 0: Okay. Yep.\n\nChannel 1: if that makes all sense.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Do you have any questions in regards to those documents that I'll be sending out there, Terry?\n\nChannel 0: No. No. Not really.\n\nChannel 1: Yep. Not a problem. And this will just be going to TerryBallo309@Gmail.com. Is that still correct?\n\nChannel 0: Yes.\n\nChannel 1: Perfect. So feel free to have a look at those when you get home. And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in. So at any point, you did wanna sort of move on to to something else. That's not a problem as well.\n\nBut then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for\n\nChannel 0: Okay. No worries.\n\nChannel 1: you. Perfect. But do you have any other questions in regards to anything we've covered today there, Terry?\n\nChannel 0: Yeah. Yeah. It's all good. Yep. Yep.\n\nChannel 1: Happy with everything else? Don't have any questions in regards to any of that?\n\nChannel 0: No. No. No. Not\n\nChannel 1: Yep. The only other thing that we probably need to update there is just your ID on file. Now that could either be, like, a driver's license or the passport\n\nChannel 0: really.\n\nChannel 1: that you've done just so we have a valid up to date copy. The one we have on file has just expired. So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option.\n\nChannel 0: Okay.\n\nChannel 1: Yep. I'll just get them to send off that email and just request that one if you were happy with it. And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything.\n\nChannel 0: Okay. No worries. How many days have I got to to do that?\n\nChannel 1: I believe let me just check check when it was created. Bear with me. So as long as it's signed before the March 24, that should be fine. So you've got plenty of time there.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yep. So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well.\n\nChannel 0: Yep.\n\nChannel 1: Too easy. Not a problem, Terry. Well, thanks for your time, Terry. I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments.\n\nChannel 0: Okay. Thank you. You have a great one too, Carl.\n\nChannel 1: Problem, Terry. Thank you very much. Bye.\n\nChannel 0: Okay. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Welcome to OP Financial.","start":2.24,"end":3.6,"sentiment":"neutral","sentiment_score":0.13192819245159626},{"text":"This is Jacob speak","start":3.6,"end":4.74,"sentiment":"neutral","sentiment_score":0.09228427708148956}],"sentiment":"neutral","sentiment_score":0.11210623476654291,"channel":1,"num_words":8,"start":2.24,"end":4.74},{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.13979458808898926},{"text":"How are we going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.1799338199198246},{"text":"It's Terry.","start":8.08,"end":8.88,"sentiment":"neutral","sentiment_score":0.05559201538562775},{"text":"I had a phone call, and I you said you called me back in five 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fellas, because I","start":214.565,"end":218.245,"sentiment":"positive","sentiment_score":0.4852539499600728}],"sentiment":"positive","sentiment_score":0.4522154490862574,"channel":0,"num_words":14,"start":214.005,"end":218.245},{"sentences":[{"text":"forward.","start":218.2425,"end":218.7425,"sentiment":"positive","sentiment_score":0.5950634479522705}],"sentiment":"positive","sentiment_score":0.5950634479522705,"channel":1,"num_words":1,"start":218.2425,"end":218.7425},{"sentences":[{"text":"hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do.","start":218.245,"end":235.17,"sentiment":"positive","sentiment_score":0.34374942873483116}],"sentiment":"positive","sentiment_score":0.34374942873483116,"channel":0,"num_words":46,"start":218.245,"end":235.17},{"sentences":[{"text":"Yep.","start":235.61,"end":236.11,"sentiment":"neutral","sentiment_score":0.1473253220319748},{"text":"Not a not a problem at all there, Terry.","start":236.41,"end":238.74501,"sentiment":"neutral","sentiment_score":0.2255620120300187},{"text":"Obviously, you know, we all are in the mercy of the market there at the end of the day as well.","start":238.74501,"end":242.02501,"sentiment":"neutral","sentiment_score":-0.09572462985912959},{"text":"But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made.","start":242.02501,"end":249.065,"sentiment":"neutral","sentiment_score":0.1265899502805301},{"text":"As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip.","start":249.065,"end":262.26,"sentiment":"neutral","sentiment_score":0.027161174388818963}],"sentiment":"neutral","sentiment_score":0.05289674276879074,"channel":1,"num_words":109,"start":235.61,"end":262.26},{"sentences":[{"text":"So we might wanna look at adjusting a few things just to move forward and see how it from","start":262.4,"end":266.855,"sentiment":"neutral","sentiment_score":-0.04682257065647527}],"sentiment":"neutral","sentiment_score":-0.04682257065647527,"channel":1,"num_words":19,"start":262.4,"end":266.855},{"sentences":[{"text":"Yeah.","start":268.955,"end":269.275,"sentiment":"neutral","sentiment_score":-0.009079981595277786},{"text":"Yeah.","start":269.275,"end":269.595,"sentiment":"neutral","sentiment_score":0.009335532784461977},{"text":"Well, like I said, you just need to make 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day.","start":284.96,"end":286.98,"sentiment":"neutral","sentiment_score":-0.21637117365996042}],"sentiment":"neutral","sentiment_score":-0.1432718113064766,"channel":0,"num_words":44,"start":272.555,"end":286.98},{"sentences":[{"text":"Yeah.","start":287.49,"end":287.81,"sentiment":"neutral","sentiment_score":0.07719362527132034},{"text":"I completely understand.","start":287.81,"end":288.93,"sentiment":"neutral","sentiment_score":0.09651245425144832},{"text":"I will ask you a few questions just to gauge your sort of risk and things.","start":288.93,"end":292.21,"sentiment":"neutral","sentiment_score":-0.021984876599162817},{"text":"But as I said, we'll still make the recommendation.","start":292.21,"end":294.15,"sentiment":"neutral","sentiment_score":0.18038496375083923},{"text":"We won't sort of throw you with a million options.","start":294.345,"end":296.585,"sentiment":"neutral","sentiment_score":0.002541852742433548}],"sentiment":"neutral","sentiment_score":0.0426629785543833,"channel":1,"num_words":39,"start":287.49,"end":296.585},{"sentences":[{"text":"I'll, like, sort of based on the answers you give me, make a recommendation there for you.","start":296.585,"end":300.665,"sentiment":"neutral","sentiment_score":0.2724185901529649},{"text":"And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as 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look at something like that.","start":323.565,"end":326.79498,"sentiment":"neutral","sentiment_score":-0.3223664783514463}],"sentiment":"neutral","sentiment_score":-0.3223664783514463,"channel":0,"num_words":13,"start":323.565,"end":326.79498},{"sentences":[{"text":"yeah.","start":326.935,"end":327.335,"sentiment":"neutral","sentiment_score":-0.05878100171685219},{"text":"So so with that one, we won't just, like, hand you the document.","start":327.335,"end":329.975,"sentiment":"neutral","sentiment_score":-0.014895366361508003},{"text":"We'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still.","start":329.975,"end":336.93997,"sentiment":"neutral","sentiment_score":0.13380514574237168},{"text":"So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as 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the flow, like, you know, I'll I'll probably won't even read it.","start":354.535,"end":360.615,"sentiment":"neutral","sentiment_score":0.20286554392231138},{"text":"I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I","start":360.615,"end":368.55002,"sentiment":"neutral","sentiment_score":-0.15697499141097068}],"sentiment":"neutral","sentiment_score":0.018331936059089806,"channel":0,"num_words":39,"start":354.535,"end":368.55002},{"sentences":[{"text":"Yep.","start":368.47998,"end":368.97998,"sentiment":"neutral","sentiment_score":-0.09003283828496933}],"sentiment":"neutral","sentiment_score":-0.09003283828496933,"channel":1,"num_words":1,"start":368.47998,"end":368.97998},{"sentences":[{"text":"didn't go to school that for that long.","start":368.55002,"end":371.75,"sentiment":"neutral","sentiment_score":-0.1291072489693761},{"text":"And when I was in school, I was at the headmaster's office all the time, mate.","start":371.75,"end":375.85,"sentiment":"neutral","sentiment_score":-0.02206794044468552}],"sentiment":"neutral","sentiment_score":-0.057747709952915706,"channel":0,"num_words":24,"start":368.55002,"end":375.85},{"sentences":[{"text":"Yep.","start":377.295,"end":377.795,"sentiment":"neutral","sentiment_score":0.17890220880508423},{"text":"I can completely understand there there, Terry.","start":378.095,"end":380.73502,"sentiment":"neutral","sentiment_score":0.27727211160319193},{"text":"So we'll obviously, you know, hold hold your hands here.","start":380.73502,"end":383.295,"sentiment":"neutral","sentiment_score":0.14967168867588043},{"text":"We're not gonna throw something at you.","start":383.295,"end":384.575,"sentiment":"neutral","sentiment_score":0.03356664627790451},{"text":"We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day.","start":384.575,"end":391.25998,"sentiment":"neutral","sentiment_score":0.33166662998059215}],"sentiment":"neutral","sentiment_score":0.2564094206791813,"channel":1,"num_words":59,"start":377.295,"end":391.25998},{"sentences":[{"text":"If you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well.","start":391.25998,"end":396.8,"sentiment":"positive","sentiment_score":0.39383143449530883}],"sentiment":"positive","sentiment_score":0.39383143449530883,"channel":1,"num_words":34,"start":391.25998,"end":396.8},{"sentences":[{"text":"Yeah.","start":398.90002,"end":399.14,"sentiment":"neutral","sentiment_score":0.15923333168029785},{"text":"Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money.","start":399.14,"end":404.61002,"sentiment":"neutral","sentiment_score":0.13948077904550651},{"text":"But I don't wanna leave it to a long 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mate.","start":481.78,"end":483.0,"sentiment":"neutral","sentiment_score":-0.06043776795268059},{"text":"Yeah.","start":483.69998,"end":484.19998,"sentiment":"neutral","sentiment_score":0.03885582834482193}],"sentiment":"neutral","sentiment_score":-0.16904682182568184,"channel":0,"num_words":47,"start":466.625,"end":484.19998},{"sentences":[{"text":"Yep.","start":484.695,"end":485.195,"sentiment":"neutral","sentiment_score":0.025696178898215297},{"text":"No.","start":485.415,"end":485.815,"sentiment":"neutral","sentiment_score":-0.1384027898311615},{"text":"Understandable.","start":485.815,"end":486.315,"sentiment":"neutral","sentiment_score":-0.10027533024549484},{"text":"So what I'll do there, Terry, is I'll just run through and update a few of your details.","start":486.935,"end":491.56,"sentiment":"neutral","sentiment_score":0.0847745415651136},{"text":"I will get the process started at least there, and I'll just confirm a few things.","start":491.56,"end":496.28,"sentiment":"neutral","sentiment_score":0.1638931971974671}],"sentiment":"neutral","sentiment_score":0.10635813411224533,"channel":1,"num_words":37,"start":484.695,"end":496.28},{"sentences":[{"text":"So in regards to your address, so you're still at the 54 Street?","start":496.28,"end":500.94,"sentiment":"neutral","sentiment_score":0.017160706007136747}],"sentiment":"neutral","sentiment_score":0.017160706007136747,"channel":1,"num_words":13,"start":496.28,"end":500.94},{"sentences":[{"text":"No.","start":502.565,"end":502.885,"sentiment":"neutral","sentiment_score":-0.05683267116546631},{"text":"No.","start":502.885,"end":503.125,"sentiment":"neutral","sentiment_score":-0.04497344046831131},{"text":"It's 2 Roycroft Place, Podenza 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called.","start":549.95,"end":558.915,"sentiment":"neutral","sentiment_score":-0.07066636284192403},{"text":"I just gave me my date of birth and that address, and","start":558.915,"end":562.21497,"sentiment":"neutral","sentiment_score":-0.029770145503183205}],"sentiment":"neutral","sentiment_score":-0.0580829113530807,"channel":0,"num_words":39,"start":549.95,"end":562.21497},{"sentences":[{"text":"Yeah.","start":564.65497,"end":565.15497,"sentiment":"neutral","sentiment_score":-0.05876670777797699},{"text":"Apologies.","start":565.45496,"end":565.95496,"sentiment":"neutral","sentiment_score":-0.26491284370422363},{"text":"They're like they haven't done a process change.","start":566.175,"end":568.65497,"sentiment":"negative","sentiment_score":-0.36206919699907303},{"text":"So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews.","start":568.65497,"end":581.7,"sentiment":"neutral","sentiment_score":-0.10505652217528759},{"text":"So with that one there, it just wasn't in that workbook.","start":582.0,"end":587.505,"sentiment":"neutral","sentiment_score":-0.24204502254724503}],"sentiment":"neutral","sentiment_score":-0.16633221233884493,"channel":1,"num_words":60,"start":564.65497,"end":587.505},{"sentences":[{"text":"So I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well.","start":587.505,"end":597.925,"sentiment":"neutral","sentiment_score":0.1821329727768898},{"text":"So that's 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I said, they have updated things, and a few of these haven't carried across all the information.","start":972.755,"end":976.27496,"sentiment":"neutral","sentiment_score":0.07518944703042507}],"sentiment":"neutral","sentiment_score":0.2735244389950183,"channel":1,"num_words":57,"start":961.50995,"end":976.27496},{"sentences":[{"text":"But you've never declared bankruptcy or anything like that, you, Terry?","start":976.27496,"end":979.27,"sentiment":"neutral","sentiment_score":-0.02030934156341986}],"sentiment":"neutral","sentiment_score":-0.02030934156341986,"channel":1,"num_words":11,"start":976.27496,"end":979.27},{"sentences":[{"text":"No.","start":982.53503,"end":983.015,"sentiment":"neutral","sentiment_score":-0.15060478448867798},{"text":"I'm not too sure.","start":983.015,"end":983.895,"sentiment":"neutral","sentiment_score":-0.19486749917268753},{"text":"It would have been if I was 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till next year to do something like that.","start":1244.245,"end":1246.665,"sentiment":"neutral","sentiment_score":0.15184311094609174}],"sentiment":"neutral","sentiment_score":0.10208146952283688,"channel":0,"num_words":39,"start":1233.3651,"end":1246.665},{"sentences":[{"text":"Yep.","start":1250.58,"end":1250.98,"sentiment":"positive","sentiment_score":0.380206286907196},{"text":"Perfect.","start":1250.98,"end":1251.48,"sentiment":"positive","sentiment_score":0.6407014727592468},{"text":"And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment?","start":1251.7,"end":1261.5751,"sentiment":"neutral","sentiment_score":0.24931457142035165}],"sentiment":"neutral","sentiment_score":0.2642368176153728,"channel":1,"num_words":35,"start":1250.58,"end":1261.5751},{"sentences":[{"text":"We do talk about it.","start":1263.235,"end":1264.675,"sentiment":"neutral","sentiment_score":0.09865015596151352},{"text":"Like, now we're both, like, you know, we've got the partner and she's got a good job and I've got my job and, like, we do look at it and talk about it, but, like, you know, it's not easy to get that down deposit and stuff like that, whatever we need at home.","start":1264.675,"end":1283.18,"sentiment":"neutral","sentiment_score":0.1259494938508228}],"sentiment":"neutral","sentiment_score":0.12363599063986438,"channel":0,"num_words":59,"start":1263.235,"end":1283.18},{"sentences":[{"text":"Yeah.","start":1284.77,"end":1285.215,"sentiment":"neutral","sentiment_score":0.025657646358013153},{"text":"No.","start":1285.615,"end":1286.095,"sentiment":"neutral","sentiment_score":-0.0657297670841217},{"text":"Completely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone.","start":1286.095,"end":1292.515,"sentiment":"neutral","sentiment_score":-0.14212571407357852},{"text":"Also keep it there as, like, a a goal that's sort of in your your mind.","start":1293.215,"end":1296.1749,"sentiment":"neutral","sentiment_score":0.18927684146910906},{"text":"We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as 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to reach out when you're sort of ready.","start":1309.89,"end":1312.29,"sentiment":"neutral","sentiment_score":0.18405589792463514},{"text":"We can sort of pass your details along, and they can have a conversation with you as well.","start":1312.29,"end":1316.0701,"sentiment":"neutral","sentiment_score":0.25321166465679806}],"sentiment":"neutral","sentiment_score":0.23015974241274376,"channel":1,"num_words":27,"start":1309.89,"end":1316.0701},{"sentences":[{"text":"Yep.","start":1317.13,"end":1317.63,"sentiment":"neutral","sentiment_score":0.06670957803726196}],"sentiment":"neutral","sentiment_score":0.06670957803726196,"channel":0,"num_words":1,"start":1317.13,"end":1317.63},{"sentences":[{"text":"They're their own separate things.","start":1317.4049,"end":1318.6849,"sentiment":"neutral","sentiment_score":-0.035541266202926636},{"text":"So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends.","start":1318.6849,"end":1327.1849,"sentiment":"neutral","sentiment_score":-0.0003955570235848427},{"text":"But yeah.","start":1327.965,"end":1328.6849,"sentiment":"neutral","sentiment_score":0.0016851825639605522},{"text":"No.","start":1328.6849,"end":1329.005,"sentiment":"neutral","sentiment_score":-0.01882379874587059},{"text":"Good to have a chat anyway and see","start":1329.005,"end":1330.5249,"sentiment":"neutral","sentiment_score":0.26258415915071964}],"sentiment":"neutral","sentiment_score":0.04628352641423301,"channel":1,"num_words":41,"start":1317.4049,"end":1330.5249},{"sentences":[{"text":"Yes.","start":1330.35,"end":1330.85,"sentiment":"neutral","sentiment_score":0.11250254511833192}],"sentiment":"neutral","sentiment_score":0.11250254511833192,"channel":0,"num_words":1,"start":1330.35,"end":1330.85},{"sentences":[{"text":"what sort of your 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sounds","start":1334.19,"end":1335.23,"sentiment":"positive","sentiment_score":0.5573347806930542}],"sentiment":"positive","sentiment_score":0.3857613652944565,"channel":0,"num_words":4,"start":1333.87,"end":1335.23},{"sentences":[{"text":"are.","start":1335.21,"end":1335.71,"sentiment":"positive","sentiment_score":0.509258508682251}],"sentiment":"positive","sentiment_score":0.509258508682251,"channel":1,"num_words":1,"start":1335.21,"end":1335.71},{"sentences":[{"text":"good.","start":1335.23,"end":1335.73,"sentiment":"positive","sentiment_score":0.5990509986877441}],"sentiment":"positive","sentiment_score":0.5990509986877441,"channel":0,"num_words":1,"start":1335.23,"end":1335.73},{"sentences":[{"text":"Yep.","start":1336.25,"end":1336.75,"sentiment":"positive","sentiment_score":0.36305031180381775},{"text":"And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you.","start":1337.05,"end":1344.09,"sentiment":"positive","sentiment_score":0.3846842980100995},{"text":"But with your insurance, I know you don't have any insurance currently there, Terry.","start":1344.09,"end":1347.465,"sentiment":"neutral","sentiment_score":-0.07157741167715617},{"text":"Are you still comfortable not having insurances given that you don't have any debts?","start":1347.5249,"end":1351.365,"sentiment":"neutral","sentiment_score":-0.11238678970507213},{"text":"Or","start":1351.365,"end":1351.865,"sentiment":"neutral","sentiment_score":-0.05965331941843033}],"sentiment":"neutral","sentiment_score":0.11384840061267217,"channel":1,"num_words":51,"start":1336.25,"end":1351.865},{"sentences":[{"text":"Yeah.","start":1353.295,"end":1353.535,"sentiment":"neutral","sentiment_score":-0.019543657079339027},{"text":"Yeah.","start":1353.535,"end":1353.855,"sentiment":"neutral","sentiment_score":-0.020157575607299805},{"text":"Yeah.","start":1353.855,"end":1354.175,"sentiment":"neutral","sentiment_score":-0.06420285999774933},{"text":"Not at the moment.","start":1354.175,"end":1354.975,"sentiment":"neutral","sentiment_score":-0.2795855514705181},{"text":"Yeah.","start":1354.975,"end":1355.475,"sentiment":"neutral","sentiment_score":-0.11361085623502731}],"sentiment":"neutral","sentiment_score":-0.166982144350186,"channel":0,"num_words":8,"start":1353.295,"end":1355.475},{"sentences":[{"text":"yeah.","start":1355.9249,"end":1356.1649,"sentiment":"neutral","sentiment_score":-0.06013445556163788}],"sentiment":"neutral","sentiment_score":-0.06013445556163788,"channel":1,"num_words":1,"start":1355.9249,"end":1356.1649},{"sentences":[{"text":"Maybe","start":1356.0951,"end":1356.5951,"sentiment":"neutral","sentiment_score":-0.07739641517400742}],"sentiment":"neutral","sentiment_score":-0.07739641517400742,"channel":0,"num_words":1,"start":1356.0951,"end":1356.5951},{"sentences":[{"text":"Because it's obviously wait.","start":1356.1649,"end":1357.6849,"sentiment":"neutral","sentiment_score":-0.15271935798227787},{"text":"I'm sorry.","start":1357.6849,"end":1358.34,"sentiment":"neutral","sentiment_score":-0.21604333817958832}],"sentiment":"neutral","sentiment_score":-0.17382735138138136,"channel":1,"num_words":6,"start":1356.1649,"end":1358.34},{"sentences":[{"text":"maybe I might do it next year or something like that.","start":1359.5499,"end":1362.03,"sentiment":"neutral","sentiment_score":-0.12138730355284431},{"text":"What's what's that what's the benefit of having insurance?","start":1362.03,"end":1366.9299,"sentiment":"neutral","sentiment_score":0.055061892295877136}],"sentiment":"neutral","sentiment_score":-0.04198516542091966,"channel":0,"num_words":20,"start":1359.5499,"end":1366.9299},{"sentences":[{"text":"Well, so the the main things there is with the different types.","start":1367.7,"end":1371.7,"sentiment":"neutral","sentiment_score":0.0160558451898396},{"text":"There's life, total permanent disability, income protection, and trauma 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to pass away, your super balance would pass to the beneficiaries.","start":1453.1901,"end":1456.25,"sentiment":"neutral","sentiment_score":-0.28990968210356577},{"text":"If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability.","start":1456.845,"end":1463.985,"sentiment":"neutral","sentiment_score":-0.18174479570653704},{"text":"Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection.","start":1464.205,"end":1469.505,"sentiment":"neutral","sentiment_score":-0.09681420694840581},{"text":"But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive.","start":1470.69,"end":1476.47,"sentiment":"negative","sentiment_score":-0.39876077391884546}],"sentiment":"neutral","sentiment_score":-0.23304839116764497,"channel":1,"num_words":111,"start":1443.1901,"end":1476.47},{"sentences":[{"text":"It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered.","start":1476.61,"end":1487.925,"sentiment":"neutral","sentiment_score":-0.33081581004154986}],"sentiment":"neutral","sentiment_score":-0.33081581004154986,"channel":1,"num_words":39,"start":1476.61,"end":1487.925},{"sentences":[{"text":"Okay.","start":1487.8049,"end":1488.3049,"sentiment":"neutral","sentiment_score":-0.08627636730670929},{"text":"Maybe next time, I'll get a a bill when I got my wife beside me, so she she'd understand it more than me.","start":1488.5249,"end":1497.745,"sentiment":"neutral","sentiment_score":-0.03718742614854937}],"sentiment":"neutral","sentiment_score":-0.039232798696806036,"channel":0,"num_words":24,"start":1487.8049,"end":1497.745},{"sentences":[{"text":"Yeah.","start":1498.12,"end":1498.44,"sentiment":"neutral","sentiment_score":-0.03231211006641388},{"text":"And then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened.","start":1498.44,"end":1506.7799,"sentiment":"neutral","sentiment_score":-0.1245117196192344},{"text":"You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the 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leave it later alone for now, but I'll make a note of that.","start":1525.54,"end":1528.76,"sentiment":"neutral","sentiment_score":0.18996789998241834},{"text":"I will quickly run through some questions there, Terry, just to gauge your risk tolerance.","start":1529.54,"end":1534.74,"sentiment":"neutral","sentiment_score":0.13486850950381873},{"text":"But have you ever invested in any direct shares?","start":1534.74,"end":1537.14,"sentiment":"neutral","sentiment_score":0.007903497459159957},{"text":"I know you don't think about it too much, but in the past, have you ever sort of invested any direct 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day?","start":1544.315,"end":1555.71,"sentiment":"neutral","sentiment_score":-0.0733590138455232}],"sentiment":"neutral","sentiment_score":-0.07199059878190865,"channel":1,"num_words":49,"start":1543.6749,"end":1555.71},{"sentences":[{"text":"Yeah.","start":1557.37,"end":1557.61,"sentiment":"neutral","sentiment_score":0.048790015280246735},{"text":"Whatever you decide.","start":1557.61,"end":1559.6901,"sentiment":"neutral","sentiment_score":0.062184994419415794},{"text":"Yeah.","start":1559.6901,"end":1559.93,"sentiment":"neutral","sentiment_score":0.08357226848602295},{"text":"I don't care.","start":1559.93,"end":1560.5701,"sentiment":"neutral","sentiment_score":-0.09565817068020503},{"text":"Like, if if it's a good thing, go for it.","start":1560.5701,"end":1563.0701,"sentiment":"neutral","sentiment_score":0.1419729135930538}],"sentiment":"neutral","sentiment_score":0.08064843838413556,"channel":0,"num_words":18,"start":1557.37,"end":1563.0701},{"sentences":[{"text":"Yeah.","start":1564.345,"end":1564.745,"sentiment":"neutral","sentiment_score":0.1467551290988922},{"text":"So with that, like, obviously, time comes into consideration as well.","start":1564.745,"end":1568.4249,"sentiment":"neutral","sentiment_score":0.18191114609891718},{"text":"Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive.","start":1568.4249,"end":1578.12,"sentiment":"neutral","sentiment_score":-0.023419447634792465},{"text":"But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working.","start":1578.68,"end":1594.315,"sentiment":"neutral","sentiment_score":0.2855096625500038},{"text":"And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense.","start":1594.375,"end":1599.515,"sentiment":"neutral","sentiment_score":0.08762385113083798}],"sentiment":"neutral","sentiment_score":0.14677685737011156,"channel":1,"num_words":140,"start":1564.345,"end":1599.515},{"sentences":[{"text":"Yeah.","start":1600.1951,"end":1600.515,"sentiment":"neutral","sentiment_score":0.07958023250102997},{"text":"Yeah.","start":1600.515,"end":1601.015,"sentiment":"neutral","sentiment_score":0.09345640242099762}],"sentiment":"neutral","sentiment_score":0.0865183174610138,"channel":0,"num_words":2,"start":1600.1951,"end":1601.015},{"sentences":[{"text":"Yep.","start":1602.375,"end":1602.875,"sentiment":"neutral","sentiment_score":0.0973856970667839},{"text":"And then I know your super has taken a little bit of a backwards step this year in terms to where it was previously.","start":1604.2949,"end":1611.75,"sentiment":"neutral","sentiment_score":-0.005223559215664864},{"text":"And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive.","start":1611.89,"end":1617.09,"sentiment":"neutral","sentiment_score":0.0434259937277862},{"text":"But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned?","start":1617.09,"end":1624.685,"sentiment":"neutral","sentiment_score":-0.2692705613694021},{"text":"Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve?","start":1624.685,"end":1630.4651,"sentiment":"neutral","sentiment_score":-0.2302998433319422}],"sentiment":"neutral","sentiment_score":-0.12643405500799418,"channel":1,"num_words":100,"start":1602.375,"end":1630.4651},{"sentences":[{"text":"Well, like, last time, I didn't even realize I lost $10 or whatever.","start":1633.105,"end":1637.025,"sentiment":"neutral","sentiment_score":-0.32124557861915004},{"text":"Well, the case was The last thing was on or $20 or something.","start":1637.025,"end":1641.94,"sentiment":"neutral","sentiment_score":-0.14577755962426847}],"sentiment":"neutral","sentiment_score":-0.23351156912170923,"channel":0,"num_words":26,"start":1633.105,"end":1641.94},{"sentences":[{"text":"Yeah.","start":1642.14,"end":1642.4601,"sentiment":"neutral","sentiment_score":-0.07987628877162933},{"text":"So it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit.","start":1642.4601,"end":1647.845,"sentiment":"neutral","sentiment_score":-0.131553752720356},{"text":"You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period.","start":1647.845,"end":1652.985,"sentiment":"neutral","sentiment_score":-0.06799534854033719}],"sentiment":"neutral","sentiment_score":-0.10066557394302621,"channel":1,"num_words":49,"start":1642.14,"end":1652.985},{"sentences":[{"text":"Like I said, mate, like, sometimes I forget I was I've got a super.","start":1654.095,"end":1657.935,"sentiment":"neutral","sentiment_score":-0.08382462630314487},{"text":"I wasn't till I realized me missus said, oh, she was talking about someone at her work, and I said, oh, shit.","start":1657.935,"end":1663.855,"sentiment":"neutral","sentiment_score":-0.1548523889346556},{"text":"I better check mine.","start":1663.855,"end":1664.735,"sentiment":"neutral","sentiment_score":-0.2535117082297802},{"text":"And you didn't know.","start":1664.735,"end":1665.57,"sentiment":"neutral","sentiment_score":-0.1750587485730648},{"text":"Oh, shit.","start":1665.57,"end":1666.23,"sentiment":"negative","sentiment_score":-0.3554850220680237}],"sentiment":"neutral","sentiment_score":-0.15229454774247564,"channel":0,"num_words":46,"start":1654.095,"end":1666.23},{"sentences":[{"text":"They're there.","start":1667.0099,"end":1667.49,"sentiment":"negative","sentiment_score":-0.37782108783721924},{"text":"I lost $20.","start":1667.49,"end":1668.69,"sentiment":"negative","sentiment_score":-0.4669915835062663},{"text":"You know?","start":1668.69,"end":1669.4299,"sentiment":"neutral","sentiment_score":-0.22727929800748825}],"sentiment":"negative","sentiment_score":-0.3730250746011734,"channel":0,"num_words":7,"start":1667.0099,"end":1669.4299},{"sentences":[{"text":"Yes.","start":1670.02,"end":1670.325,"sentiment":"neutral","sentiment_score":-0.12537914514541626}],"sentiment":"neutral","sentiment_score":-0.12537914514541626,"channel":1,"num_words":1,"start":1670.02,"end":1670.325},{"sentences":[{"text":"It's not something I go into every day.","start":1670.21,"end":1672.13,"sentiment":"neutral","sentiment_score":-0.22172673791646957},{"text":"You know?","start":1672.13,"end":1672.69,"sentiment":"neutral","sentiment_score":-0.13186580687761307},{"text":"Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late.","start":1672.69,"end":1679.6699,"sentiment":"neutral","sentiment_score":-0.21147363715701634}],"sentiment":"neutral","sentiment_score":-0.2093873978466601,"channel":0,"num_words":37,"start":1670.21,"end":1679.6699},{"sentences":[{"text":"Yeah.","start":1680.485,"end":1680.965,"sentiment":"neutral","sentiment_score":-0.06119709461927414},{"text":"No.","start":1680.965,"end":1681.205,"sentiment":"neutral","sentiment_score":-0.16457599401474},{"text":"That's it.","start":1681.205,"end":1681.605,"sentiment":"neutral","sentiment_score":-0.11448371782898902},{"text":"You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high.","start":1681.605,"end":1686.87,"sentiment":"neutral","sentiment_score":-0.23526978031510398},{"text":"Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold.","start":1686.87,"end":1694.79,"sentiment":"neutral","sentiment_score":0.026489750736139038}],"sentiment":"neutral","sentiment_score":-0.10239641265349185,"channel":1,"num_words":47,"start":1680.485,"end":1694.79},{"sentences":[{"text":"But with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry.","start":1694.79,"end":1702.975,"sentiment":"neutral","sentiment_score":-0.013690175488591194}],"sentiment":"neutral","sentiment_score":-0.013690175488591194,"channel":1,"num_words":22,"start":1694.79,"end":1702.975},{"sentences":[{"text":"Yeah.","start":1703.87,"end":1704.1101,"sentiment":"neutral","sentiment_score":0.13015183806419373},{"text":"Yeah.","start":1704.1101,"end":1704.6101,"sentiment":"neutral","sentiment_score":0.20548543334007263}],"sentiment":"neutral","sentiment_score":0.16781863570213318,"channel":0,"num_words":2,"start":1703.87,"end":1704.6101},{"sentences":[{"text":"Yep.","start":1706.7949,"end":1707.2949,"sentiment":"positive","sentiment_score":0.4423220753669739},{"text":"Perfect.","start":1708.875,"end":1709.375,"sentiment":"positive","sentiment_score":0.7288640141487122},{"text":"That does bring you out to a growth investor.","start":1710.715,"end":1712.955,"sentiment":"positive","sentiment_score":0.5558387769593133},{"text":"Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio.","start":1712.955,"end":1719.49,"sentiment":"neutral","sentiment_score":0.09603384751826524},{"text":"Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns?","start":1720.03,"end":1729.57,"sentiment":"neutral","sentiment_score":0.08648576149169136}],"sentiment":"neutral","sentiment_score":0.1697681218958818,"channel":1,"num_words":65,"start":1706.7949,"end":1729.57},{"sentences":[{"text":"Yeah.","start":1730.97,"end":1731.47,"sentiment":"neutral","sentiment_score":0.10222141444683076}],"sentiment":"neutral","sentiment_score":0.10222141444683076,"channel":0,"num_words":1,"start":1730.97,"end":1731.47},{"sentences":[{"text":"Yep.","start":1732.695,"end":1733.195,"sentiment":"neutral","sentiment_score":0.09514105319976808},{"text":"Obviously, we can look to adjust those as well as time goes on.","start":1733.335,"end":1737.355,"sentiment":"neutral","sentiment_score":0.07555362890259577},{"text":"But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards.","start":1738.9349,"end":1744.455,"sentiment":"neutral","sentiment_score":-0.1632308950242789},{"text":"Now that's because of a few reasons.","start":1744.455,"end":1746.54,"sentiment":"neutral","sentiment_score":-0.0871266680104392},{"text":"So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market.","start":1746.54,"end":1756.88,"sentiment":"neutral","sentiment_score":0.07100186809240018}],"sentiment":"neutral","sentiment_score":-0.011189686122517556,"channel":1,"num_words":78,"start":1732.695,"end":1756.88},{"sentences":[{"text":"They had an underlying investment that didn't do too well.","start":1757.145,"end":1759.305,"sentiment":"neutral","sentiment_score":-0.2168032109737396},{"text":"They weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio.","start":1759.305,"end":1765.5651,"sentiment":"negative","sentiment_score":-0.3347027122974396},{"text":"And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive.","start":1765.7051,"end":1771.75,"sentiment":"neutral","sentiment_score":-0.13423218999219977},{"text":"But within relate to that, they still have high conviction sort of in those tech investments coming back over time.","start":1771.75,"end":1777.61,"sentiment":"neutral","sentiment_score":-0.1422347988933325},{"text":"Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur.","start":1777.83,"end":1785.705,"sentiment":"neutral","sentiment_score":-0.13234766585559682}],"sentiment":"neutral","sentiment_score":-0.1826686765998602,"channel":1,"num_words":102,"start":1757.145,"end":1785.705},{"sentences":[{"text":"So if you are happy, we will review your your investments there and look at just updating those with","start":1786.645,"end":1793.605,"sentiment":"neutral","sentiment_score":0.15622906543706594}],"sentiment":"neutral","sentiment_score":0.15622906543706594,"channel":1,"num_words":19,"start":1786.645,"end":1793.605},{"sentences":[{"text":"Okay.","start":1793.3999,"end":1793.8999,"sentiment":"neutral","sentiment_score":0.029738260433077812}],"sentiment":"neutral","sentiment_score":0.029738260433077812,"channel":0,"num_words":1,"start":1793.3999,"end":1793.8999},{"sentences":[{"text":"them.","start":1793.605,"end":1794.105,"sentiment":"neutral","sentiment_score":0.03571738302707672},{"text":"Yeah.","start":1794.565,"end":1795.0449,"sentiment":"neutral","sentiment_score":0.08872848749160767},{"text":"And then provide you that document sort of stating that, and we'll have a a chat about that.","start":1795.0449,"end":1799.4,"sentiment":"neutral","sentiment_score":0.11987725562519497},{"text":"But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done?","start":1799.64,"end":1808.92,"sentiment":"neutral","sentiment_score":0.24161790673797195},{"text":"Or do you is there anything else you want, like, to have lumped in with that?","start":1808.92,"end":1812.825,"sentiment":"neutral","sentiment_score":0.07098447741009295}],"sentiment":"neutral","sentiment_score":0.16928562547450196,"channel":1,"num_words":73,"start":1793.605,"end":1812.825},{"sentences":[{"text":"Is there anything else you want addressed at the moment?","start":1812.825,"end":1814.845,"sentiment":"neutral","sentiment_score":0.03111659288406372}],"sentiment":"neutral","sentiment_score":0.03111659288406372,"channel":1,"num_words":10,"start":1812.825,"end":1814.845},{"sentences":[{"text":"Not too good.","start":1816.19,"end":1817.1699,"sentiment":"neutral","sentiment_score":-0.11519611130158107}],"sentiment":"neutral","sentiment_score":-0.11519611130158107,"channel":0,"num_words":3,"start":1816.19,"end":1817.1699},{"sentences":[{"text":"Yep.","start":1817.945,"end":1818.345,"sentiment":"neutral","sentiment_score":0.08766134828329086},{"text":"Not a problem at all.","start":1818.345,"end":1819.565,"sentiment":"neutral","sentiment_score":0.20422693490982055},{"text":"And then with that one there, Terry, I will send you your annual review documents.","start":1820.105,"end":1824.505,"sentiment":"neutral","sentiment_score":0.161118745803833},{"text":"So with this, you'll have it'll come by OdooSign.","start":1824.505,"end":1827.56,"sentiment":"neutral","sentiment_score":0.1558434474799368},{"text":"It is a little bit different to DocuSigns you've probably previously used.","start":1827.56,"end":1830.28,"sentiment":"neutral","sentiment_score":0.10945900746931632}],"sentiment":"neutral","sentiment_score":0.14861134111526467,"channel":1,"num_words":42,"start":1817.945,"end":1830.28},{"sentences":[{"text":"It'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates.","start":1830.28,"end":1839.0,"sentiment":"neutral","sentiment_score":0.14866475611925126},{"text":"As I said, there's been a few business updates as well.","start":1839.0,"end":1841.42,"sentiment":"neutral","sentiment_score":0.16212598234415054},{"text":"You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover.","start":1842.095,"end":1849.955,"sentiment":"neutral","sentiment_score":0.1934312586983045},{"text":"And the signable documents in that one, Terry, will be your tax file opt in form.","start":1850.5751,"end":1855.615,"sentiment":"neutral","sentiment_score":0.1654551476240158},{"text":"So we're just changing the form and where we keep your tax file numbers stored.","start":1855.615,"end":1859.03,"sentiment":"neutral","sentiment_score":0.07316921999057134}],"sentiment":"neutral","sentiment_score":0.15481457757014855,"channel":1,"num_words":102,"start":1830.28,"end":1859.03},{"sentences":[{"text":"And then we'll","start":1859.25,"end":1860.05,"sentiment":"neutral","sentiment_score":0.049154466638962425}],"sentiment":"neutral","sentiment_score":0.049154466638962425,"channel":1,"num_words":3,"start":1859.25,"end":1860.05},{"sentences":[{"text":"Yeah.","start":1859.845,"end":1860.345,"sentiment":"neutral","sentiment_score":0.0721375048160553}],"sentiment":"neutral","sentiment_score":0.0721375048160553,"channel":0,"num_words":1,"start":1859.845,"end":1860.345},{"sentences":[{"text":"also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months.","start":1860.05,"end":1864.31,"sentiment":"neutral","sentiment_score":0.13836431503295898},{"text":"And then it'll outline the fees, the projected fees that you're expected to pay during that period.","start":1864.53,"end":1869.27,"sentiment":"neutral","sentiment_score":0.10264665633440018},{"text":"And then, also, it'll have a lost super search authority.","start":1869.515,"end":1872.2351,"sentiment":"neutral","sentiment_score":0.052389997988939285},{"text":"So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is","start":1872.2351,"end":1882.56,"sentiment":"neutral","sentiment_score":0.03665471449494362}],"sentiment":"neutral","sentiment_score":0.07190373424995453,"channel":1,"num_words":94,"start":1860.05,"end":1882.56},{"sentences":[{"text":"Okay.","start":1884.3151,"end":1884.715,"sentiment":"neutral","sentiment_score":0.08440893888473511},{"text":"Yep.","start":1884.715,"end":1885.215,"sentiment":"neutral","sentiment_score":0.12653112411499023}],"sentiment":"neutral","sentiment_score":0.10547003149986267,"channel":0,"num_words":2,"start":1884.3151,"end":1885.215},{"sentences":[{"text":"if that makes all sense.","start":1885.52,"end":1886.8201,"sentiment":"neutral","sentiment_score":0.20142077207565307}],"sentiment":"neutral","sentiment_score":0.20142077207565307,"channel":1,"num_words":5,"start":1885.52,"end":1886.8201},{"sentences":[{"text":"Yep.","start":1887.515,"end":1888.015,"sentiment":"neutral","sentiment_score":0.12698078155517578}],"sentiment":"neutral","sentiment_score":0.12698078155517578,"channel":0,"num_words":1,"start":1887.515,"end":1888.015},{"sentences":[{"text":"Yep.","start":1888.4801,"end":1888.7201,"sentiment":"neutral","sentiment_score":0.11496886610984802},{"text":"Do you have any questions in regards to those documents that I'll be sending out there, Terry?","start":1888.7201,"end":1892.5,"sentiment":"neutral","sentiment_score":0.059542621978942084}],"sentiment":"neutral","sentiment_score":0.06262185776399241,"channel":1,"num_words":18,"start":1888.4801,"end":1892.5},{"sentences":[{"text":"No.","start":1894.1699,"end":1894.4099,"sentiment":"neutral","sentiment_score":-0.06678323447704315},{"text":"No.","start":1894.4099,"end":1894.6499,"sentiment":"neutral","sentiment_score":-0.06921088695526123},{"text":"Not really.","start":1894.6499,"end":1895.39,"sentiment":"neutral","sentiment_score":-0.05630966275930405}],"sentiment":"neutral","sentiment_score":-0.06215336173772812,"channel":0,"num_words":4,"start":1894.1699,"end":1895.39},{"sentences":[{"text":"Yep.","start":1895.68,"end":1896.0,"sentiment":"neutral","sentiment_score":0.044270679354667664},{"text":"Not a problem.","start":1896.0,"end":1896.4801,"sentiment":"neutral","sentiment_score":0.15561310946941376},{"text":"And this will just be going to TerryBallo309@Gmail.com.","start":1896.4801,"end":1900.115,"sentiment":"neutral","sentiment_score":0.08721455186605453},{"text":"Is that still correct?","start":1900.115,"end":1901.095,"sentiment":"neutral","sentiment_score":0.057722981087863445}],"sentiment":"neutral","sentiment_score":0.08998239669017494,"channel":1,"num_words":16,"start":1895.68,"end":1901.095},{"sentences":[{"text":"Yes.","start":1901.77,"end":1902.27,"sentiment":"neutral","sentiment_score":0.27687355875968933}],"sentiment":"neutral","sentiment_score":0.27687355875968933,"channel":0,"num_words":1,"start":1901.77,"end":1902.27},{"sentences":[{"text":"Perfect.","start":1903.475,"end":1903.975,"sentiment":"positive","sentiment_score":0.5478026866912842},{"text":"So feel free to have a look at those when you get home.","start":1904.195,"end":1906.615,"sentiment":"positive","sentiment_score":0.3826998265889975},{"text":"And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in.","start":1906.835,"end":1912.515,"sentiment":"neutral","sentiment_score":0.2581037970052825},{"text":"So at any point, you did wanna sort of move on to to something else.","start":1912.515,"end":1916.1699,"sentiment":"neutral","sentiment_score":0.21036182940006257},{"text":"That's not a problem as well.","start":1916.1699,"end":1917.45,"sentiment":"positive","sentiment_score":0.3526357312997182}],"sentiment":"neutral","sentiment_score":0.2913209548536337,"channel":1,"num_words":53,"start":1903.475,"end":1917.45},{"sentences":[{"text":"But then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for","start":1917.45,"end":1927.325,"sentiment":"neutral","sentiment_score":0.1921436979814812}],"sentiment":"neutral","sentiment_score":0.1921436979814812,"channel":1,"num_words":27,"start":1917.45,"end":1927.325},{"sentences":[{"text":"Okay.","start":1928.36,"end":1928.86,"sentiment":"neutral","sentiment_score":0.1793811023235321},{"text":"No worries.","start":1928.92,"end":1929.66,"sentiment":"neutral","sentiment_score":0.24690919369459152}],"sentiment":"neutral","sentiment_score":0.22439982990423837,"channel":0,"num_words":3,"start":1928.36,"end":1929.66},{"sentences":[{"text":"you.","start":1930.4249,"end":1930.825,"sentiment":"neutral","sentiment_score":0.3009280562400818},{"text":"Perfect.","start":1930.825,"end":1931.325,"sentiment":"positive","sentiment_score":0.5379564166069031},{"text":"But do you have any other questions in regards to anything we've covered today there, Terry?","start":1931.865,"end":1938.93,"sentiment":"neutral","sentiment_score":0.184117513243109}],"sentiment":"neutral","sentiment_score":0.21026470470759603,"channel":1,"num_words":18,"start":1930.4249,"end":1938.93},{"sentences":[{"text":"Yeah.","start":1939.405,"end":1939.725,"sentiment":"neutral","sentiment_score":0.21937042474746704},{"text":"Yeah.","start":1939.725,"end":1939.885,"sentiment":"neutral","sentiment_score":0.33028799295425415},{"text":"It's all good.","start":1939.885,"end":1940.525,"sentiment":"positive","sentiment_score":0.5718975265820821},{"text":"Yep.","start":1940.525,"end":1940.845,"sentiment":"neutral","sentiment_score":0.2497325837612152},{"text":"Yep.","start":1940.845,"end":1941.345,"sentiment":"neutral","sentiment_score":0.24067360162734985}],"sentiment":"positive","sentiment_score":0.3936795975480761,"channel":0,"num_words":7,"start":1939.405,"end":1941.345},{"sentences":[{"text":"Happy with everything else?","start":1941.81,"end":1942.77,"sentiment":"positive","sentiment_score":0.4431430846452713},{"text":"Don't have any questions in regards to any of that?","start":1942.77,"end":1944.9501,"sentiment":"neutral","sentiment_score":0.05934091508388519}],"sentiment":"neutral","sentiment_score":0.1689986778157098,"channel":1,"num_words":14,"start":1941.81,"end":1944.9501},{"sentences":[{"text":"No.","start":1945.725,"end":1945.965,"sentiment":"neutral","sentiment_score":-0.12062451988458632},{"text":"No.","start":1945.965,"end":1946.125,"sentiment":"neutral","sentiment_score":-0.11314979195594788},{"text":"No.","start":1946.125,"end":1946.46,"sentiment":"neutral","sentiment_score":-0.10361717641353609},{"text":"Not","start":1946.46,"end":1946.96,"sentiment":"neutral","sentiment_score":-0.07913820445537567}],"sentiment":"neutral","sentiment_score":-0.10413242317736149,"channel":0,"num_words":4,"start":1945.725,"end":1946.96},{"sentences":[{"text":"Yep.","start":1947.7301,"end":1948.2301,"sentiment":"neutral","sentiment_score":-0.0831734910607338},{"text":"The only other thing that we probably need to update there is just your ID on file.","start":1948.37,"end":1951.485,"sentiment":"neutral","sentiment_score":-0.100124952109421},{"text":"Now that could either be, like, a driver's license or the passport","start":1951.485,"end":1954.285,"sentiment":"neutral","sentiment_score":-0.04852836113423109}],"sentiment":"neutral","sentiment_score":-0.07892126701772213,"channel":1,"num_words":30,"start":1947.7301,"end":1954.285},{"sentences":[{"text":"really.","start":1954.0425,"end":1954.5425,"sentiment":"neutral","sentiment_score":-0.05028386414051056}],"sentiment":"neutral","sentiment_score":-0.05028386414051056,"channel":0,"num_words":1,"start":1954.0425,"end":1954.5425},{"sentences":[{"text":"that you've done just so we have a valid up to date copy.","start":1954.285,"end":1956.785,"sentiment":"neutral","sentiment_score":-0.044398884647167645},{"text":"The one we have on file has just expired.","start":1956.845,"end":1958.6849,"sentiment":"neutral","sentiment_score":-0.20413292282157475},{"text":"So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option.","start":1958.6849,"end":1970.49,"sentiment":"neutral","sentiment_score":0.24563793428242206}],"sentiment":"neutral","sentiment_score":0.11953444460466985,"channel":1,"num_words":62,"start":1954.285,"end":1970.49},{"sentences":[{"text":"Okay.","start":1971.465,"end":1971.965,"sentiment":"neutral","sentiment_score":0.2935176193714142}],"sentiment":"neutral","sentiment_score":0.2935176193714142,"channel":0,"num_words":1,"start":1971.465,"end":1971.965},{"sentences":[{"text":"Yep.","start":1972.71,"end":1973.03,"sentiment":"positive","sentiment_score":0.357793927192688},{"text":"I'll just get them to send off that email and just request that one if you were happy with it.","start":1973.03,"end":1976.71,"sentiment":"positive","sentiment_score":0.42952155470848086},{"text":"And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything.","start":1976.71,"end":1985.145,"sentiment":"positive","sentiment_score":0.39428277015686036}],"sentiment":"positive","sentiment_score":0.4062164638723646,"channel":1,"num_words":56,"start":1972.71,"end":1985.145},{"sentences":[{"text":"Okay.","start":1985.9199,"end":1986.32,"sentiment":"neutral","sentiment_score":0.16816337406635284},{"text":"No worries.","start":1986.32,"end":1986.96,"sentiment":"neutral","sentiment_score":0.15546634048223495},{"text":"How many days have I got to to do that?","start":1986.96,"end":1989.14,"sentiment":"neutral","sentiment_score":0.04578544907271862}],"sentiment":"neutral","sentiment_score":0.07207311890446223,"channel":0,"num_words":13,"start":1985.9199,"end":1989.14},{"sentences":[{"text":"I believe let me just check check when it was created.","start":1990.805,"end":1995.07,"sentiment":"neutral","sentiment_score":0.09900025210597298},{"text":"Bear with me.","start":1995.5299,"end":1996.4299,"sentiment":"neutral","sentiment_score":0.11520817379156749},{"text":"So as long as it's signed before the March 24, that should be fine.","start":2007.645,"end":2013.805,"sentiment":"neutral","sentiment_score":0.19349057227373123},{"text":"So you've got plenty of time there.","start":2013.805,"end":2015.505,"sentiment":"neutral","sentiment_score":0.23280161832060134}],"sentiment":"neutral","sentiment_score":0.16494590384619576,"channel":1,"num_words":35,"start":1990.805,"end":2015.505},{"sentences":[{"text":"Okay.","start":2016.25,"end":2016.5701,"sentiment":"neutral","sentiment_score":0.14819711446762085},{"text":"Yeah.","start":2016.5701,"end":2017.0701,"sentiment":"neutral","sentiment_score":0.1622888743877411}],"sentiment":"neutral","sentiment_score":0.15524299442768097,"channel":0,"num_words":2,"start":2016.25,"end":2017.0701},{"sentences":[{"text":"Yep.","start":2018.285,"end":2018.525,"sentiment":"neutral","sentiment_score":0.2050078809261322},{"text":"So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well.","start":2018.525,"end":2026.14,"sentiment":"neutral","sentiment_score":0.28332443204190993}],"sentiment":"neutral","sentiment_score":0.2805274123592036,"channel":1,"num_words":28,"start":2018.285,"end":2026.14},{"sentences":[{"text":"Yep.","start":2027.345,"end":2027.845,"sentiment":"neutral","sentiment_score":0.19078271090984344}],"sentiment":"neutral","sentiment_score":0.19078271090984344,"channel":0,"num_words":1,"start":2027.345,"end":2027.845},{"sentences":[{"text":"Too easy.","start":2028.84,"end":2029.4,"sentiment":"neutral","sentiment_score":0.3187408298254013},{"text":"Not a problem, Terry.","start":2029.4,"end":2030.2,"sentiment":"positive","sentiment_score":0.467159166932106},{"text":"Well, thanks for your time, Terry.","start":2030.2,"end":2031.24,"sentiment":"positive","sentiment_score":0.716110905011495},{"text":"I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments.","start":2031.24,"end":2035.9,"sentiment":"positive","sentiment_score":0.4604443383216858}],"sentiment":"positive","sentiment_score":0.4949700598781173,"channel":1,"num_words":37,"start":2028.84,"end":2035.9},{"sentences":[{"text":"Okay.","start":2036.7001,"end":2037.1001,"sentiment":"positive","sentiment_score":0.5719240307807922},{"text":"Thank you.","start":2037.1001,"end":2037.5,"sentiment":"positive","sentiment_score":0.7979573607444763},{"text":"You have a great one too, Carl.","start":2037.5,"end":2039.04,"sentiment":"positive","sentiment_score":0.8665822063173566}],"sentiment":"positive","sentiment_score":0.8233914196491241,"channel":0,"num_words":10,"start":2036.7001,"end":2039.04},{"sentences":[{"text":"Problem, Terry.","start":2039.3689,"end":2039.929,"sentiment":"neutral","sentiment_score":0.320760115981102},{"text":"Thank you very much.","start":2039.929,"end":2040.8889,"sentiment":"positive","sentiment_score":0.6820081621408463},{"text":"Bye.","start":2040.8889,"end":2041.3889,"sentiment":"positive","sentiment_score":0.3609548509120941}],"sentiment":"positive","sentiment_score":0.532929675919669,"channel":1,"num_words":7,"start":2039.3689,"end":2041.3889},{"sentences":[{"text":"Okay.","start":2041.18,"end":2041.5801,"sentiment":"neutral","sentiment_score":0.21361276507377625},{"text":"Bye.","start":2041.5801,"end":2041.8201,"sentiment":"neutral","sentiment_score":0.16050861775875092},{"text":"Bye bye.","start":2041.8201,"end":2042.4801,"sentiment":"neutral","sentiment_score":0.01804931089282036}],"sentiment":"neutral","sentiment_score":0.10255500115454197,"channel":0,"num_words":4,"start":2041.18,"end":2042.4801}]},"summary":{"result":"success","short":"Terry contacts OP Financial to discuss his financial planning and is transferred to Jacob. Jacob suggests adjusting Terry's investments and reviewing his account to see if there are any adjustments needed. Terry plans to make a recommendation and give Jacob a call at the end of the day to run through the process and provide documents together. They discuss Terry's assets and liabilities, investment risks, and retirement plans. They also discuss the impact of high growth portfolios on risk and the importance of staying flexible in retirement plans. The speaker provides annual review documents and a tax file opt-in form, and updates the customer on their financial services guide and tax file."},"intents":{"segments":[{"text":"Did you have an appointment booked with him, Terry?","start_word":52,"end_word":60,"intents":[{"intent":"Confirm appointment","confidence_score":0.38451624}]},{"text":"What I'll do is I'll just see where the call is still available. And if he is, I'll transfer you through, and it'll be the next person Okay.","start_word":118,"end_word":145,"intents":[{"intent":"Transfer call","confidence_score":0.9252439},{"intent":"Check availability","confidence_score":0.004856313}]},{"text":"As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going.","start_word":263,"end_word":302,"intents":[{"intent":"Update details","confidence_score":0.26619568}]},{"text":"I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened.","start_word":303,"end_word":329,"intents":[{"intent":"Report overdue payment","confidence_score":0.0014586009}]},{"text":"Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket. This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again. Yeah.","start_word":413,"end_word":488,"intents":[{"intent":"Evaluate investment trends","confidence_score":0.000453506}]},{"text":"But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made.","start_word":679,"end_word":713,"intents":[{"intent":"Gather information","confidence_score":0.047114704}]},{"text":"We won't sort of throw you with a million options. I'll, like, sort of based on the answers you give me, make a recommendation there for you. And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well. Yeah.","start_word":861,"end_word":934,"intents":[{"intent":"Make recommendations","confidence_score":0.014438219}]},{"text":"Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money. But I don't wanna leave it to a long time. Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment. Yep.","start_word":1241,"end_word":1290,"intents":[{"intent":"Explore financial benefits","confidence_score":0.00031120636}]},{"text":"And then as far as your relationship status at the moment, do you still have a De facto partner? Yes. Yes.","start_word":1778,"end_word":1798,"intents":[{"intent":"Check relationship status","confidence_score":0.38030264},{"intent":"Contact partner","confidence_score":0.012391018}]},{"text":"I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that.","start_word":1893,"end_word":1915,"intents":[{"intent":"Update contact details","confidence_score":0.0007918625}]},{"text":"Well, the company's changed name now. It's a it's Acentis now.","start_word":2019,"end_word":2029,"intents":[{"intent":"Update company name","confidence_score":0.03971862}]},{"text":"Acentis, a n e s t I s. it, sir? Yep. And then with that role, is it still a 100% full time? Yes. Yep.","start_word":2031,"end_word":2055,"intents":[{"intent":"Confirm role details","confidence_score":0.020668147}]},{"text":"And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like No. No.","start_word":2150,"end_word":2180,"intents":[{"intent":"Address hazardous materials","confidence_score":0.0068294555}]},{"text":"And then as far as your income at the moment there, Terry, is that still around the 76,000?","start_word":2237,"end_word":2254,"intents":[{"intent":"Discuss income","confidence_score":0.021359384}]},{"text":"And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner. Did you get around to potentially doing that? Or Yep.","start_word":3376,"end_word":3424,"intents":[{"intent":"Evaluate financial goals","confidence_score":0.00072990975}]},{"text":"But with your insurance, I know you don't have any insurance currently there, Terry. Are you still comfortable not having insurances given that you don't have any debts? Or Yeah.","start_word":3827,"end_word":3856,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.012040541}]},{"text":"You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing.","start_word":4154,"end_word":4182,"intents":[{"intent":"Access super","confidence_score":0.17390561}]},{"text":"You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing. If you were to pass away, your super balance would pass to the beneficiaries. If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability.","start_word":4154,"end_word":4223,"intents":[{"intent":"Access superannuation","confidence_score":0.290629}]},{"text":"But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive. It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered. Okay.","start_word":4243,"end_word":4304,"intents":[{"intent":"Compare insurances","confidence_score":0.0069948165}]},{"text":"we'll leave it later alone for now, but I'll make a note of that. I will quickly run through some questions there, Terry, just to gauge your risk tolerance.","start_word":4419,"end_word":4447,"intents":[{"intent":"Discuss risk tolerance","confidence_score":0.074718975}]},{"text":"But have you ever invested in any direct shares? I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares? No. Yep. And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day? Yeah.","start_word":4449,"end_word":4530,"intents":[{"intent":"Invest money","confidence_score":0.00010232518}]},{"text":"But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards.","start_word":5106,"end_word":5128,"intents":[{"intent":"Understand portfolio dynamics","confidence_score":0.008667113}]},{"text":"So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market.","start_word":5137,"end_word":5170,"intents":[{"intent":"Discuss financial management","confidence_score":0.0012334296}]},{"text":"So if you are happy, we will review your your investments there and look at just updating those with Okay. them.","start_word":5272,"end_word":5292,"intents":[{"intent":"Review investments","confidence_score":0.131773}]},{"text":"But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done? Or do you is there anything else you want, like, to have lumped in with that? Is there anything else you want addressed at the moment? Not too good.","start_word":5312,"end_word":5377,"intents":[{"intent":"Discuss estate planning","confidence_score":0.17521086}]},{"text":"And then with that one there, Terry, I will send you your annual review documents. So with this, you'll have it'll come by OdooSign. It is a little bit different to DocuSigns you've probably previously used. It'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates.","start_word":5384,"end_word":5449,"intents":[{"intent":"Provide review documents","confidence_score":0.0017851922}]},{"text":"So we're just changing the form and where we keep your tax file numbers stored.","start_word":5508,"end_word":5522,"intents":[{"intent":"Update form","confidence_score":0.49223307}]},{"text":"Do you have any questions in regards to those documents that I'll be sending out there, Terry? No.","start_word":5629,"end_word":5646,"intents":[{"intent":"Send documents","confidence_score":0.19117305}]},{"text":"The only other thing that we probably need to update there is just your ID on file. Now that could either be, like, a driver's license or the passport really. that you've done just so we have a valid up to date copy. The one we have on file has just expired.","start_word":5794,"end_word":5845,"intents":[{"intent":"Update id","confidence_score":0.32208103}]}]},"sentiments":{"segments":[{"text":"Welcome to OP Financial. This is Jacob speak Yeah. How are we going? It's Terry. I had a phone call, and I you said you called me back in five minutes. Yeah. No worries. Oh, yeah. Righto.","start_word":0,"end_word":36,"sentiment":"neutral","sentiment_score":0.08507315814495087},{"text":"That's all good.","start_word":37,"end_word":39,"sentiment":"positive","sentiment_score":0.43059271574020386},{"text":"Was that for Kyle? I think so. Yeah. Yeah. Yeah. No worries. Did you have an appointment booked with him, Terry? Yeah. 02:30. Oh, okay. Yep. No worries.","start_word":40,"end_word":67,"sentiment":"neutral","sentiment_score":0.10630398243665697},{"text":"That's all good.","start_word":68,"end_word":70,"sentiment":"positive","sentiment_score":0.3764101266860962},{"text":"What I'll do, Terry, is I'll just run you through a quick security. So I'll get you to confirm your date of birth and current address for me, please. Okay. That's the 1971, Yeah. and it's 2 Roycroft Place, Adenza Park 2176. Beauty.","start_word":71,"end_word":113,"sentiment":"neutral","sentiment_score":0.08309479057788849},{"text":"Thanks for that, Terry.","start_word":114,"end_word":117,"sentiment":"positive","sentiment_score":0.4951792359352112},{"text":"What I'll do is I'll just see where the call is still available. And if he is, I'll transfer you through, and it'll be the next person Okay. Now you I see here. talk with. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become I the most got trusted fucking shit household off your name head, and in you're financial fucking planning idiot. throughout Australia. That you can We see. thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial I'll take it off Yeah. it. Oh, yeah. Yeah. No worries. It's a car? Yeah. Okay. Yep. Brilliant. Yeah. As I was saying before, I've got you scheduled in for your end review to basically just go through a bit of an update, update some details, and give you a bit of a rundown on how things are going. I know that has been a little bit overdue sort of towards the end of last year, but a few things came up and then Christmas happened. But before we get started there, Terry, is there anything that you had sort of caused concerns or any questions you had regarding your account?","start_word":118,"end_word":354,"sentiment":"neutral","sentiment_score":0.04273599787037584},{"text":"It just seems like the money just goes it's not going any further. When I first joined, it it rocketed, and then and now it's like it's hovering up and down, up and down, up and down doing nothing wrong.","start_word":355,"end_word":394,"sentiment":"negative","sentiment_score":-0.38933467864990234},{"text":"Yeah. So can you give you an information in regards to sort of what has happened during that? Obviously, you came on around that COVID period, which was quite a big, like, dip, and then it started to, you know, as you said, that skyrocket.","start_word":395,"end_word":439,"sentiment":"neutral","sentiment_score":-0.14548884332180023},{"text":"This year, just in general, with Trump and his tariff talks at the start of the year and then a few other things sort of leading to the end of last year and start of this year, it has taken a bit of a a downward turn again.","start_word":440,"end_word":487,"sentiment":"negative","sentiment_score":-0.4168708920478821},{"text":"Yeah. And, you know, that sort of as, like, an average return since you've been onboard is sitting around, like, after fees around 6.26% with that dip that did occur.","start_word":488,"end_word":517,"sentiment":"neutral","sentiment_score":-0.27894267439842224},{"text":"So this year, it obviously was a little bit of a negative return.","start_word":518,"end_word":530,"sentiment":"negative","sentiment_score":-0.4768146574497223},{"text":"But in saying that, like, overall, it is still up and like you did have that skyrocket queue. We can also look to adjust your investments and review that and just have a look and see if there's any adjustments and refreshes we can make to see that it, like, continues to get growth moving Yes. Yes.","start_word":531,"end_word":587,"sentiment":"neutral","sentiment_score":0.1855328381061554},{"text":"So that's that's the whole reason I joined you, fellas, because I forward. hope that you're you're looking after it, and you will make a better decision than me because I I said when I first I don't know nothing about investing and stuff like that and, like and, hopefully, you makes a better choice than I wanna do.","start_word":588,"end_word":646,"sentiment":"positive","sentiment_score":0.4002134203910827},{"text":"Yep. Not a not a problem at all there, Terry. Obviously, you know, we all are in the mercy of the market there at the end of the day as well. But in in saying that, that's part of these annual reviews there as well as to sort of see how things have tracked and see if there are any adjustments that need to be made. As you stated there, like, recently, like, for the past few years, at least, it has been, like, shooting up quite good and getting good returns, but then obviously, as to the last year, it has taken a little bit of a dip. So we might wanna look at adjusting a few things just to move forward and see how it from Yeah. Yeah. Well, like I said, you just need to make the there. decision because I I don't know what I'm invested in and then, like, I I might look at this every three months, my my statement or whatever that on my phone and stuff like that. It's not something I look at it every day. Yeah. I completely understand. I will ask you a few questions just to gauge your sort of risk and things. But as I said, we'll still make the recommendation. We won't sort of throw you with a million options. I'll, like, sort of based on the answers you give me, make a recommendation there for you. And whether or not you wanna take on that is up to you at the end of the day, but also you'll have a document there to have a little bit of look through as well and see if you were happy with everything as well. Yeah. Yeah. Because all I got is a mobile phone. I haven't even got a downloaded on a laptop or iPad Yeah. or something to see it better or whatever. Just make Yeah. that's So why it makes it difficult for me to look at something like that. yeah. So so with that one, we won't just, like, hand you the document. We'll get you like, once it's all done and the research is complete and the documents together, we'll give you a call, and we'll run through that same advice we do still. So even if you've got it just on the phone, we'll still run through it, run through, like, the advantages, disadvantages, the risk, and the the sort of numbers of it as well Yeah. so you have an understanding of what's actually going on, if that Yeah. Yeah. Well, like, you know, makes I'm sense. a person that just really goes with the flow, like, you know, I'll I'll probably won't even read it. I'll just have to think and that's that's my my mistake, what I probably will do, like, you know, I Yep. didn't go to school that for that long. And when I was in school, I was at the headmaster's office all the time, mate. Yep. I can completely understand there there, Terry. So we'll obviously, you know, hold hold your hands here. We're not gonna throw something at you. We'll obviously give you enough to where you understand what's going on and whether or not you wanna deep dive into what's happening is completely up to you at the end of the day.","start_word":647,"end_word":1205,"sentiment":"neutral","sentiment_score":0.05229975070557782},{"text":"If you are happy to sort of leave a bit more faith in us and sort of leave it a little bit out of sight out of mind, that's more than fine as well.","start_word":1206,"end_word":1239,"sentiment":"positive","sentiment_score":0.40328094363212585},{"text":"Yeah. Well, like like I said, I'm hoping you fellas because the loan is gonna make me the money money. But I don't wanna leave it to a long time. Like, if I could retire tomorrow, I would, but I haven't got enough money in my retirement at the moment. Yep. And with that, are you looking to sort of start doing some form of, like, salary sacrifice or things like that to help your superannuation grow while you're sort of leading up to those retirement years? Or Yeah. What do you mean by that? Like, you you can invest in something that's gonna make me the money. Yeah. oh, no. But also, like, your with from your your income there as well if you were looking for any more Well, my income pays my bills and stuff like that, and I only whatever my boss puts in, that's all that goes in is because, like, you know, I'm I personally day by day. I've got bills. I've got child support. I've got all the other stuff I have to pay before I can even really add to my superannuation. But maybe another four years before my I stopped paying child support with it. Maybe I can put that into more money into my retirement. But, you know, I'll get you know, by the end of the month, when I get paid, I'll just have barely enough money. Oh, my what am I gonna do? There's a car coming, mate. Yeah. Yep. No. Understandable. So what I'll do there, Terry, is I'll just run through and update a few of your details. I will get the process started at least there, and I'll just confirm a few things. So in regards to your address, so you're still at the 54 Street? No. No. It's 2 Roycroft Place, Podenza Farm. Yep. Sorry. I'm just looking that up to make sure I'm alright. So 2 Roycott Place, Rosa Park, was it? No. Adenza, That's P Oh, D I didn't. E N. Alright. It's just not Well, the other day when the lady was speaking to me, she said you had that address, and I just to the other seller, I just called. I just gave me my date of birth and that address, and Yeah. Apologies.","start_word":1240,"end_word":1623,"sentiment":"neutral","sentiment_score":-0.014883094569086095},{"text":"They're like they haven't done a process change.","start_word":1624,"end_word":1631,"sentiment":"negative","sentiment_score":-0.36186423897743225},{"text":"So a few of these things, like, they're in different places, and I'm just obviously been, like, working through the the workbook there, which is in relation to your your last sort of advice conversations and last annual reviews. So with that one there, it just wasn't in that workbook. So I was just making sure that everything's across the board and then updated there as well because we wanna make sure it's on your account as well in regards to client details as well. So that's what Okay. I was that's what I was just checking to make sure it was updated across all of them as to this CRM change that they did have, and it looks like it's everywhere but what I've got here.","start_word":1632,"end_word":1758,"sentiment":"neutral","sentiment_score":0.049583966572453654},{"text":"So that's all updated now, and that should be fine there as well.","start_word":1759,"end_word":1771,"sentiment":"positive","sentiment_score":0.43627268075942993},{"text":"Okay. Alright.","start_word":1772,"end_word":1773,"sentiment":"neutral","sentiment_score":0.25244489312171936},{"text":"Thank you.","start_word":1774,"end_word":1775,"sentiment":"positive","sentiment_score":0.5516697764396667},{"text":"No problem. And then as far as your relationship status at the moment, do you still have a De facto partner? Yes. Yes. I'm married now. I'm married? Yep. No problem. And we don't have your spouse's name as, like, a next of kin contact or something. Did you wanna put down your partner in the event that we couldn't reach you just to reach out to? Not for any sort of marketing or anything like that, just to reach out if we couldn't get ahold of you. No. She wouldn't be you know, she's got her own super her own thing, and This and is just I the haven't next got step a in number. contact. I'd have to, yeah, I'd have to because I'm driving, I'd have to stop and get the contact number or something like that. No. That's not a problem at all. So with that, I'll just put that your next sorry. Maybe next time I speak or I can have a look or whatever. Yeah. Yeah. It's just a next of kin contact just in the event that we couldn't contact you for whatever extended period of time. We just touch base with that person that was listed. So you can just provide that another day.","start_word":1776,"end_word":1987,"sentiment":"neutral","sentiment_score":-0.048861902207136154},{"text":"That's that's more than fine.","start_word":1988,"end_word":1992,"sentiment":"positive","sentiment_score":0.4199353754520416},{"text":"And Okay. then is Yep. that's fine. And then in relation to your job there, Terry, are you still doing the metal fabrication and truck Yes. Well, the company's changed name now. It's a it's Acentis now. Acentis, a n e s t I s. it, sir? Yep. And then with that role, is it still a 100% full time? Yes. Yep.","start_word":1993,"end_word":2054,"sentiment":"neutral","sentiment_score":0.06298119280367129},{"text":"Brilliant.","start_word":2055,"end_word":2055,"sentiment":"positive","sentiment_score":0.6434082984924316},{"text":"And is that like a thirty eight hour week, or do you do a bit more overtime? Or Yeah. Thirty eight. Like, I do overtime, but, like, you know, I only get paid for I I get a phone, you know, full time, so you get paid for your thirty eight hours. If you do any more thing more, like yeah. Right. And then how long have you been with that that role there as well? I just don't have it sort of listed there. Been with the company twenty two years. Yeah.","start_word":2056,"end_word":2148,"sentiment":"neutral","sentiment_score":0.05395500361919403},{"text":"Brilliant.","start_word":2149,"end_word":2149,"sentiment":"positive","sentiment_score":0.3725206255912781},{"text":"And then as far as hazardous materials at all there, Terry, are you dealing with any hazardous materials apart from obviously hot books with fabricating metal or anything like No. No. Well, the last probably seven years or whatever that I've been truck driving. that? Okay. Delivering doing delivery in a Is little that truck or whatever. is that locally? Yes. Yeah. It's all around. Yeah. All around Sydney. Sometimes I might go out of Sydney a couple of times, but that's Yep. very rarely. Perfect. Perfect. And then as far as your income at the moment there, Terry, is that still around the 76,000? I think it's a little bit more, mate, now. Could be that twice around that. Yeah. Between 76 to 80, I think. Something Yep. I might yeah. I'll just put it sort of in the the middle there. like that. The same, like, you know, my everything's on digital now and, like, if the money's in the bank, it's in the bank, mate. I don't even look at my payslip or whatever. Like, just like I said, I didn't go to school that long, mate, and I can't that's if my if my wife doesn't help me out with it, I don't know what I'm doing. Yeah. No. Completely. And does she do, like, a little household budget as well? Or No. Not really. We have our you know, we pay, you know, what I have to pay, I have to pay, and, you know, what you know, go through with the rent and all the, you know, the bills and stuff like that. And But at but the moment with the child support and things like that, it sort of takes up your entire paycheck at the end of the day once sort of have your discretionary spending, things like that as well. Yes. Yes. Yeah. Well, that's that's that's on my side because, yeah, we haven't we we not haven't got a joint account or nothing like that yet. Okay. No. Understandable. And and then in regards to your asset liability, I know you've got the car worth around 15 there with something owing on that. Do you know how much that's sitting at at the moment? No. No. I don't know anything's gonna. Oh, nothing owing left? Yep. Pay And that okay. No off problem.","start_word":2150,"end_word":2542,"sentiment":"neutral","sentiment_score":-0.06534862965724547},{"text":"So that's good.","start_word":2543,"end_word":2545,"sentiment":"positive","sentiment_score":0.38637635111808777},{"text":"That's all gone. the And in regards to any other assets car. that you currently hold there, Terry, do Pay you have any sort of else that we're that not sort of aware of? Any sort of boats, off. caravans, things like that? No. I Yep. Not a problem. And do you have, like even though, like, you do have, like, quite the high expenditure, you know, with paying child support, things like that, have you got, like, a little bit of a rainy day savings don't know. account, like, with Yes? a few 100 yeah. Do you know Yeah. roughly Yeah. Yeah. how I've much is got a is I've got a that I don't know. Do I have to tell you how much I got in there, or what is it like? You no. know? You don't have to. No. That's just just for obviously notes there for regards to your assets and liabilities.","start_word":2546,"end_word":2701,"sentiment":"neutral","sentiment_score":-0.005008133593946695},{"text":"Oh, But if you don't feel comfortable or don't wanna tell us, that's no more than fine it's not there that as I well.","start_word":2702,"end_word":2725,"sentiment":"negative","sentiment_score":-0.3801593780517578},{"text":"have oh, sorry. I don't I have a 10,000 anymore. Yep.","start_word":2726,"end_word":2736,"sentiment":"neutral","sentiment_score":-0.028332345187664032},{"text":"I'll just put it as a rough 10,000, which is good. It's a nice cash buffer there in the event anything did happen, which is good.","start_word":2737,"end_word":2762,"sentiment":"positive","sentiment_score":0.5249857306480408},{"text":"And then apologies if you answered a few of these questions previously. As I said, they have updated things, and a few of these haven't carried across all the information. But you've never declared bankruptcy or anything like that, you, Terry? No. I'm not too sure. It would have been if I was young. Like Did but you enter in, like, to but a part nine debt agreement or something like that when you were younger? Beg your pardon? Did you enter, like, a part nine debt agreement or something when you were younger to pay off some debts? Or I think I think it was, like, when I was 18 or something. I can't even remember. Like like, I don't I'm not too sure. Yeah. No. That's that's all and fine. It wouldn't really I sort think of have I much think impact. I was supposed to. I think I was, but my boss now helped me out and paid it off, like, what I had to do, and I just to pay him back. It's like, you know, it would have been, you know, like, I don't even remember what I've done yesterday, mate. Like, I'll wake up and it's, you know Okay. Yeah. Not a problem at yeah. all, I Tay. know these sometimes, you know, then it was a long time ago anyway. Yeah. That's it. Like, it's in the way. You're not worried about those sort of things for too long. Yeah. Yeah. In in regards to your health, though, are you still currently a nonsmoker? Everything's largely well. No significant health issues or medications that you're taking? Yeah. Yeah. I'm still the same on FICO and everything on it. Right. And do you currently hold private health insurance there, Terry? No. It's not. Yeah. No. That's that's fine. And then within regards to your estate planning matters, I know you didn't have a will in place when you spoke us last. Have you managed to do one with your your partner? Or No. Not yet. We're working on something, but not at the moment. yep. Oh, I'm already. So that's it. I might have. I don't even know. So I think we might have. But, man, I have to double check the next time I'll find out if we have Yep. something else. I know I've got my passport and stuff like that, but I'm not too sure he added a wheel and all that kind of stuff at the same time. Yeah. Okay. No. That that's fair. With that, you've obviously got your beneficiaries in force, which are your two kids there. Now Yeah. in regards to estate planning, there's, like, a state and non estate assets. So your estate assets are the things that are covered by the will. Those non estate assets are the things like your superannuation, which have those beneficiaries just to ensure that if anything did happen to you, the money goes where you want it to go, Yeah. if That's that makes sense. Yeah. Yeah. It's gotta be to Marquis, isn't it? Yeah. So with in regards to that one, the those nominations for superannuation is is towards the kids. Whatever you do in the will, whether or not it's part with your tobacco partner and things like that or how you split the rest of those assets, the estate assets, is up to you Yeah. there at the Yeah. Well, she did the same, and I think, like, you know, she's got two kids herself, end of the and day. Yep. I've got two kids, and it'll be the same, like, you know, like, it's Yep.","start_word":2763,"end_word":3372,"sentiment":"neutral","sentiment_score":-0.011056169070547722},{"text":"Perfect.","start_word":3373,"end_word":3373,"sentiment":"positive","sentiment_score":0.4396987557411194},{"text":"different. And then in regards to your goals and what you're looking to do there, Terry, I know that you were sort of looking to save up a bit of money, maybe do, like, an overseas trip with your partner. Did you get around to potentially doing that? Or Yep. So your your main goal over that twelve month period is to be able to do your your holiday next year? Yeah. Yeah. Well, we're doing stuff this year. Another cruise in June, and we've got more holidays in August where we're probably going to either the where is it? Fiji or the Cook Islands or something like that. We were supposed to go to Malta in August, but with what's happening and that in Europe and stuff and, like, if we I watched it. Everything's happening. We'll probably wait till next year to do something like that.","start_word":3374,"end_word":3521,"sentiment":"neutral","sentiment_score":0.18258338794112208},{"text":"Yep. Perfect.","start_word":3522,"end_word":3523,"sentiment":"positive","sentiment_score":0.48440438508987427},{"text":"And then within your your goal for potentially purchasing a house, are you still saving up a deposit as well to potentially purchase a property, or are you happy renting at the moment? We do talk about it. Like, now we're both, like, you know, we've got the partner and she's got a good job and I've got my job and, like, we do look at it and talk about it, but, like, you know, it's not easy to get that down deposit and stuff like that, whatever we need at home. Yeah. No. Completely understand with the way, you know, the cost of living is at the moment, trying to save up that house deposit and the way the house prices have gone. Also keep it there as, like, a a goal that's sort of in your your mind. We do have access to the mortgage brokers here if you did want a referral on at some point when you're thinking about it a little bit more closely and having a look and seeing what your lending power might be with with your partner as well. Okay. Yeah. Yeah. Yeah. I Yeah. can So tell feel her free that. to to reach out when you're sort of ready. We can sort of pass your details along, and they can have a conversation with you as well. Yep. They're their own separate things. So mortgage brokers, they get their commissions from the institutions that they use, so you don't generally pay, like, a price, but, obviously, it depends. But yeah. No. Good to have a chat anyway and see Yes. what sort of your options Yes. Yes.","start_word":3524,"end_word":3800,"sentiment":"neutral","sentiment_score":0.11403964991119794},{"text":"That sounds are. good. Yep. And then with your superannuation, obviously, you wanna grow that towards your retirement, make sure it's still working hard for you.","start_word":3801,"end_word":3826,"sentiment":"positive","sentiment_score":0.4017672836780548},{"text":"But with your insurance, I know you don't have any insurance currently there, Terry. Are you still comfortable not having insurances given that you don't have any debts? Or Yeah. Yeah. Yeah. Not at the moment. Yeah. yeah. Maybe Because it's obviously wait. I'm sorry. maybe I might do it next year or something like that. What's what's that what's the benefit of having insurance? Well, so the the main things there is with the different types. There's life, total permanent disability, income protection, and trauma insurance. Life's just life cover. If you go and you go on, it just pays a lump sum. Total permanent disability is for things like if you're injured and unable to work moving forward, it just means that you might have some income instead of having to rely on, like, government assistance programs. You know, to ensure you've got some income replaced to be able to cover things like that ongoing living expenses. And then Okay. income protections, like, if you were in injured and unable to work for, like, a shorter period of time, if you're off work for, like, a month, then you could potentially claim on an income protection policy, which would be able to pay up to 70% of your your income to ensure that you're not going backwards too much. And then the last one there is trauma. So that's a lump sum again, but it's out of pocket cost that you have to pay, which given you cash flow might be a little bit harder. But then it pays in the event of traumatic events such as, like, heart attacks, strokes, certain types of cancers, those sort of things, in the event that you need to take some time off to seek some medical treatment, pay some medical bills, things like that. Okay.","start_word":3827,"end_word":4131,"sentiment":"neutral","sentiment_score":-0.0718194320187217},{"text":"So if anything that happens to me, like that, I I won't be able to get in use any of my super.","start_word":4132,"end_word":4153,"sentiment":"negative","sentiment_score":-0.34691619873046875},{"text":"You could still potentially access super under the condition of, like, total permanent disability, not anything related to, like, income specific side of things, but same sort of thing. If you were to pass away, your super balance would pass to the beneficiaries. If you were injured and unable to work, you would be able to access your superannuation if you met a condition of release under total permanent disability. Income protection or, like, other insurances, basically, just pay on top of that as an added form of protection.","start_word":4154,"end_word":4242,"sentiment":"neutral","sentiment_score":-0.1860449016094208},{"text":"But given your level of debts too and the your age as well, that generally insurances are a little bit more expensive.","start_word":4243,"end_word":4264,"sentiment":"negative","sentiment_score":-0.410212516784668},{"text":"It's not to say that they're out of this world expensive, but it does impact your retirement savings as well having to pay through those through super or out of pocket as well, which is something to be considered. Okay. Maybe next time, I'll get a a bill when I got my wife beside me, so she she'd understand it more than me. Yeah. And then if you were to take on, like, a property purchase, that's when you'd probably be more concerned with having, like, insurances just in the event that something happened. You know, your partner wasn't left with the the remainder of the mortgage if she couldn't facilitate it, things like that, or if you were injured and had to, like, pay, you know, a mortgage as opposed to, like, your rent, which is probably a little bit cheaper than paying a mortgage at the moment. Yep.","start_word":4265,"end_word":4414,"sentiment":"neutral","sentiment_score":-0.15569379925727844},{"text":"Perfect.","start_word":4415,"end_word":4415,"sentiment":"positive","sentiment_score":0.4414305686950683},{"text":"Yep. So Alright. we'll leave it later alone for now, but I'll make a note of that. I will quickly run through some questions there, Terry, just to gauge your risk tolerance. But have you ever invested in any direct shares? I know you don't think about it too much, but in the past, have you ever sort of invested any direct shares? No. Yep. And then with the cost of living and how expensive things are getting, are you still willing to accept a little bit of risk or a higher amount of risk to outpace inflation and make sure that your money is still growing at the end of the day? Yeah. Whatever you decide. Yeah. I don't care. Like, if if it's a good thing, go for it. Yeah. So with that, like, obviously, time comes into consideration as well. Obviously, you are 54, so you don't wanna be, like, an aggressive investor and then, like, get to the age of 62 and start thinking about retirement and the market's took a dip and your whole portfolio has taken a bit of a dive. But in regards to that, you still have enough time to be able to be invested in things like a high growth portfolio, which you are invested in, which is about that ninety ten sort of split of growth to defensive assets to ensure that, you know, you're still aiming to get growth out of your super while you're still working. And then as you do get a little bit closer thinking about retirement, you look at winding that back if that makes sense. Yeah. Yeah. Yep. And then I know your super has taken a little bit of a backwards step this year in terms to where it was previously. And then also, like, over the long term, it's obviously done quite well, but then taking that bit of a dive. But if your portfolio was to decrease by, you know, a 20% instead of, like, the the two it did this year, would that make you quite concerned? Would it make you wanna sorta sell out and be a little bit more defensive, or are you happy holding and waiting for it to improve? Well, like, last time, I didn't even realize I lost $10 or whatever. Well, the case was The last thing was on or $20 or something. Yeah. So it's a little bit out of sight, out of mind until, like, such time you sort of, like, toll about it a little bit. You're not too concerned with the ups and the downs as long as it is, like, trending up over that longer term period. Like I said, mate, like, sometimes I forget I was I've got a super. I wasn't till I realized me missus said, oh, she was talking about someone at her work, and I said, oh, shit. I better check mine. And you didn't know.","start_word":4416,"end_word":4907,"sentiment":"neutral","sentiment_score":-0.010225283936029525},{"text":"Oh, shit. They're there. I lost $20.","start_word":4908,"end_word":4914,"sentiment":"negative","sentiment_score":-0.4012936353683472},{"text":"You know? Yes. It's not something I go into every day. You know? Like like I said, I forget about it and we're like, and, like, you know, by the time I look at it, it'll be probably too late. Yeah. No. That's it. You don't wanna be too reactive with things that are happening because you don't wanna sort of sell low by high. Obviously, there's extenuating circumstances with certain investments, which I will go over in terms of the Bennelong investment you do currently hold. But with borrowed money, you'd never really put borrowed money into anything other than, like, a property purchase at all there, Terry. Yeah. Yeah.","start_word":4915,"end_word":5025,"sentiment":"neutral","sentiment_score":-0.1127447560429573},{"text":"Yep. Perfect. That does bring you out to a growth investor.","start_word":5026,"end_word":5036,"sentiment":"positive","sentiment_score":0.5453333854675293},{"text":"Now previously, there you have been investing in that high growth and is slightly more aggressive than a growth portfolio. Now are you still comfortable with being in a high growth portfolio, Terry, with that ninety ten sort of split having a little bit of more risk for those longer term sort of returns? Yeah. Yep. Obviously, we can look to adjust those as well as time goes on. But with in regards to obviously your portfolio itself, like you said, it has taken a little bit of a a dive backwards. Now that's because of a few reasons. So one was a Benelong investment, which is the active portion where an active fund manager aims to basically make bets against the the market, manage the portfolio to try and outperform the market. They had an underlying investment that didn't do too well.","start_word":5037,"end_word":5179,"sentiment":"neutral","sentiment_score":0.007833208279827466},{"text":"They weren't reporting correctly, so they had to reevaluate that, which caused a backward sort of skid in your portfolio.","start_word":5180,"end_word":5199,"sentiment":"negative","sentiment_score":-0.33453938364982605},{"text":"And then within regards to the tech side of things, just the start of this year, it's taken a bit of a dive. But within relate to that, they still have high conviction sort of in those tech investments coming back over time. Whereas the Bennelong, they're probably looking at removing just due to the fact that how it has performed in recent years and then also that event that did occur. So if you are happy, we will review your your investments there and look at just updating those with Okay. them. Yeah. And then provide you that document sort of stating that, and we'll have a a chat about that. But with an advice based on doing an update there, Terry, are you just happy it being an investment switch and, like, a little bit of the estate planning just to remind you to get it done? Or do you is there anything else you want, like, to have lumped in with that? Is there anything else you want addressed at the moment? Not too good. Yep. Not a problem at all. And then with that one there, Terry, I will send you your annual review documents. So with this, you'll have it'll come by OdooSign. It is a little bit different to DocuSigns you've probably previously used. It'll have that twelve month report of that sort of that did occur, the up to date copy of your financial services guide, the overview services guide, and the updates. As I said, there's been a few business updates as well. You'll also have a summary of where your super is and then the Vanguard index chart just to show the market and dips over time and how that does recover. And the signable documents in that one, Terry, will be your tax file opt in form. So we're just changing the form and where we keep your tax file numbers stored. And then we'll Yeah. also be sending out the ongoing service agreement if you were happy to stay on for the next twelve months. And then it'll outline the fees, the projected fees that you're expected to pay during that period. And then, also, it'll have a lost super search authority. So this basically just goes out to the ATO to search for any super that you may have in your name that you might not be previously aware of from, like, past employers, things like that, just to make sure we're aware of it if there is Okay. Yep. if that makes all sense. Yep. Yep. Do you have any questions in regards to those documents that I'll be sending out there, Terry? No. No. Not really. Yep. Not a problem. And this will just be going to TerryBallo309@Gmail.com. Is that still correct? Yes.","start_word":5200,"end_word":5666,"sentiment":"neutral","sentiment_score":0.08247957203130395},{"text":"Perfect. So feel free to have a look at those when you get home.","start_word":5667,"end_word":5680,"sentiment":"positive","sentiment_score":0.4017451107501984},{"text":"And if you were happy with everything, obviously, you know, the ongoing service agreement isn't a lock in. So at any point, you did wanna sort of move on to to something else.","start_word":5681,"end_word":5713,"sentiment":"neutral","sentiment_score":0.22880633175373075},{"text":"That's not a problem as well.","start_word":5714,"end_word":5719,"sentiment":"positive","sentiment_score":0.35024815797805786},{"text":"But then also, it does, pardon me, have you there moving forward as a client there just so we're able to do these updates and everything for Okay. No worries. you.","start_word":5720,"end_word":5750,"sentiment":"neutral","sentiment_score":0.19732917845249176},{"text":"Perfect.","start_word":5751,"end_word":5751,"sentiment":"positive","sentiment_score":0.5379564166069031},{"text":"But do you have any other questions in regards to anything we've covered today there, Terry? Yeah. Yeah.","start_word":5752,"end_word":5769,"sentiment":"neutral","sentiment_score":0.20341402292251587},{"text":"It's all good.","start_word":5770,"end_word":5772,"sentiment":"positive","sentiment_score":0.5470890998840332},{"text":"Yep. Yep.","start_word":5773,"end_word":5774,"sentiment":"neutral","sentiment_score":0.24520307779312137},{"text":"Happy with everything else?","start_word":5775,"end_word":5778,"sentiment":"positive","sentiment_score":0.4225489795207978},{"text":"Don't have any questions in regards to any of that? No. No. No. Not Yep. The only other thing that we probably need to update there is just your ID on file. Now that could either be, like, a driver's license or the passport really. that you've done just so we have a valid up to date copy. The one we have on file has just expired. So I'll get the team there to reach out and get that one sorted, and you could just email in even just a front and back copy of an address to info at Oakview two as well as an option. Okay.","start_word":5779,"end_word":5886,"sentiment":"neutral","sentiment_score":0.053486400939248224},{"text":"Yep. I'll just get them to send off that email and just request that one if you were happy with it. And if you were happy with everything and staying on board in the meantime, you could go ahead and then sign that that document after you reviewed it to make sure you're happy with everything.","start_word":5887,"end_word":5942,"sentiment":"positive","sentiment_score":0.4055281579494476},{"text":"Okay. No worries. How many days have I got to to do that? I believe let me just check check when it was created. Bear with me. So as long as it's signed before the March 24, that should be fine. So you've got plenty of time there. Okay. Yeah. Yep. So plenty of time to review that one, and we'll I dare say even by then, we'll be having a conversation about your investment update as well. Yep. Too easy.","start_word":5943,"end_word":6023,"sentiment":"neutral","sentiment_score":0.1991027444601059},{"text":"Not a problem, Terry. Well, thanks for your time, Terry. I'll let you get back to it, and then we'll be chatting soon just to go over that little update in regards to your investments. Okay. Thank you. You have a great one too, Carl.","start_word":6024,"end_word":6068,"sentiment":"positive","sentiment_score":0.5790019631385803},{"text":"Problem, Terry.","start_word":6069,"end_word":6070,"sentiment":"neutral","sentiment_score":0.3207601308822632},{"text":"Thank you very much. Bye.","start_word":6071,"end_word":6075,"sentiment":"positive","sentiment_score":0.5649405121803284},{"text":"Okay. Bye. Bye bye.","start_word":6076,"end_word":6079,"sentiment":"neutral","sentiment_score":0.154844269156456}],"average":{"sentiment":"neutral","sentiment_score":0.02217971176756063}}}}