{"metadata":{"transaction_key":"deprecated","request_id":"c1466093-becd-4af3-a4be-5776149f6ccc","sha256":"162d8265c2acbbed926eb68de5f4e21051924989fb931f1ec253db64a3ec74d6","created":"2026-02-12T07:47:28.371Z","duration":727.1279,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2847,"output_tokens":92},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3137,"output_tokens":3144},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3137,"output_tokens":264}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Is this Jasmine? This is Veronica from Oakview Financial. How are you this afternoon? I'm good. Thanks. I have you booked in for a bit of a catch up. Is now still a good time for you? Yep. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yes. Perfect. That's exactly I have here. And how's your day been so far? Been busy? Oh, that's good. Well, I will try not to keep you here for too long. Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago. Sorry. And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you. Does does that still ring a bell? Yes. Perfect. So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you. Did you get the reports and everything like that okay as well? Okay. I'll I'll follow-up with the team. But, essentially, after the the under review, there is an review pack, like, similar to the usual ones where you will get kind of a a breakdown of your performance report and the summary and and everything like that for you. So I will just check check with the team if that has been sent. If not, we'll just get it resent for you. Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially recently. There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well. So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you. Especially because one of the investments in the portfolio, which is your Benelung Australian Equities, now that one has kind of underperformed a little bit. So we're not super happy with the returns of that one. The biggest reason isn't really the fund itself. It's just one of their investments that they had in the fund was corporate travel corporate travel group. And, essentially, they were suspended from trading on the ASX. So, basically, that just meant that they the valuation fluctuated and went down. So they had to be adjusting. So because of that, it's of gone down. So I wanna look look at doing some research and swap that one out for you, if appropriate, to something that's doing a little bit better for you. Because the goal is obviously making sure that we can maximize that growth for you and get you to where you want to be ultimately. So the good thing with HAP 24 is it does allow us to do a lot of that. So if you're happy for me to do so, I'll have a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you. Now a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of a read on that. Yeah. No. That's okay. I'm just basically letting you know as well. So part of the research, there is basically two approaches. We can go with it depending on what's important to you, and I can consider both as well. But we've recently gone in with BlackRock, which you may have heard of. Yeah. So they're massive. So we've just launched an SMA with them, which is basically a self managed account. I'm not sure if you're quite familiar with the concept and how things work. No. No. But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio. Now the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you. So it's, like, full full of visibility. Now if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation. I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not. Now with the SMA, it's kind of where you invest in a portfolio. And in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio. So it would just be like a name. Now you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way. So you basically just invest in the portfolio. The the good thing with it is that it gives us and BlackRock together the flexibility of changing investments really easily because you are invested in the portfolio itself, not in the individual investment. So if something happens and we just see one investment not going to do really well, we don't have to then go through the whole lengthy compliance research documents and present it to you, which obviously prolongs the time frame a little bit. We can just completely swap that out. You still get notified of the the change, but we would do just go ahead and do that if we think it's going to be the best for you. So it speeds up the process. So you kind of have a bit more of the the active management to it. They're in the kind of other side if you don't have, you know, as that, I guess, visibility, and you don't have to, you know, tell us yes or no. So if if that's something that you are, you know, comfortable with looking at that option yep. Perfect. So I'll I'll have a lot of, look at both, obviously, making sure, you know, the fees and the returns and stuff like that. But the real cool thing with the estimate is that it does gives us that flexibility that we can do that very quickly because things do change very quickly in the market. So, obviously, we don't day trade your super. It's not what we do. So we obviously invest in a good quality investment. But if there is one industry or something, you know, a sector or one part of the world where something's changing, we can easily stop and change things for you very quickly. So that's a really good thing. So I'll have a little bit look at that for you, though. Before, you know, if it is that it's going to be good, I'll still run through the the research and f y with you, and then you can let me know what you would like to do. But I can go ahead and do all of that for you. So with the portfolio, we have a different one so we can tailor it based on your risk profile. So at the moment, we have you in a high growth portfolio. So that is where you do have about 90% allocated to your growth investment. So you have your Australian shares, international shares, and new property and commodities, and that is what's going through, you know, give you that growth. And then you do have about 10% in defensive investments, like your cash, your gold, your fixed interest, limit fluctuations a little bit. But the main focus is to grow that as much as possible because you do have plenty of time on overtime. So are you quite comfortable with that same level of fluctuations and risk profile as you currently have, know, fluctuations short term in order to achieve yeah. Okay. Perfect. I'll have a look at your high growth options there for you. Now part of the research as well, I'll do a bit of forecasting as well. Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer? Yep. Like, 60 five. No. That's okay. I'll just put between 60 and 65. Just plenty of time. There's enough time in there for the fluctuations, so that's really And I have here as well that when you do retire, you ideally would like to draw a weekly income of about thousand dollars for you from your superannuation. That's still, you know, the same? Yep. Alright. Perfect. Now part of, obviously, reviewing the super as well is just your contributions income. So I just wanna go check that with you. So I do have here that you have two jobs. Is that correct? Yep. So your full time job, I have here earning 68,000. Okay. Now with the second job as well, casual. Yes. And okay. Perfect. So you would get employer contributions on both incomes, basically. Yeah. Alright. So I can just combine the 68 then under and they both pay you the standard 12% contributions? Like, you don't have any special agreements or anything with either of them? No. Yeah. Okay. Perfect. And you are not making additional contributions to superannuation, are you? Just that from your from your employment? Okay. Is that something you are wanting to do? Okay. No. Okay. No problem. If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it. So, you know, if it is a point where you are like, okay. I'm I wanna talk about a bit more, just give us a call. Perfect. Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little bit for you. Yep. Perfect. And I can see here that you don't have any insurances in place, and you're quite happy with that as well? Yeah. Yeah. Great. Perfect. And it doesn't look like there's anything else outstanding on on your account here, which is good. So I'll go working on this research here. Now it might take about two weeks or so to get everything together. But but as soon as I do, I will give you a call and book you in for a bit of a appointment, and then we can kind of run through all of that research together, and then you can let know what you would like to do. Mhmm. Perfect. Now, Jasmine, do you have any other questions before I let you go today otherwise? No? Yeah. Perfect. If you do in the meantime, though, you know, don't hesitate to give me a call. Mhmm. No problem at all. I hope you have a good afternoon. Thanks. 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afternoon. Is this Jasmine? This is Veronica from Oakview Financial. How are you this afternoon? I'm good.\n\nThanks. I have you booked in for a bit of a catch up. Is now still a good time for you? Yep. Okay.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nYes. Perfect. That's exactly I have here. And how's your day been so far? Been busy?\n\nOh, that's good. Well, I will try not to keep you here for too long. Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago. Sorry. And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you.\n\nDoes does that still ring a bell? Yes. Perfect. So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you. Did you get the reports and everything like that okay as well?\n\nOkay. I'll I'll follow-up with the team. But, essentially, after the the under review, there is an review pack, like, similar to the usual ones where you will get kind of a a breakdown of your performance report and the summary and and everything like that for you. So I will just check check with the team if that has been sent. If not, we'll just get it resent for you.\n\nNow, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially recently. There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well. So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you. Especially because one of the investments in the portfolio, which is your Benelung Australian Equities, now that one has kind of underperformed a little bit. So we're not super happy with the returns of that one.\n\nThe biggest reason isn't really the fund itself. It's just one of their investments that they had in the fund was corporate travel corporate travel group. And, essentially, they were suspended from trading on the ASX. So, basically, that just meant that they the valuation fluctuated and went down. So they had to be adjusting.\n\nSo because of that, it's of gone down. So I wanna look look at doing some research and swap that one out for you, if appropriate, to something that's doing a little bit better for you. Because the goal is obviously making sure that we can maximize that growth for you and get you to where you want to be ultimately. So the good thing with HAP 24 is it does allow us to do a lot of that. So if you're happy for me to do so, I'll have a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you.\n\nNow a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of a read on that. Yeah. No. That's okay. I'm just basically letting you know as well.\n\nSo part of the research, there is basically two approaches. We can go with it depending on what's important to you, and I can consider both as well. But we've recently gone in with BlackRock, which you may have heard of. Yeah. So they're massive.\n\nSo we've just launched an SMA with them, which is basically a self managed account. I'm not sure if you're quite familiar with the concept and how things work. No. No. But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio.\n\nNow the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you. So it's, like, full full of visibility. Now if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation. I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not. Now with the SMA, it's kind of where you invest in a portfolio.\n\nAnd in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio. So it would just be like a name. Now you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way. So you basically just invest in the portfolio. The the good thing with it is that it gives us and BlackRock together the flexibility of changing investments really easily because you are invested in the portfolio itself, not in the individual investment.\n\nSo if something happens and we just see one investment not going to do really well, we don't have to then go through the whole lengthy compliance research documents and present it to you, which obviously prolongs the time frame a little bit. We can just completely swap that out. You still get notified of the the change, but we would do just go ahead and do that if we think it's going to be the best for you. So it speeds up the process. So you kind of have a bit more of the the active management to it.\n\nThey're in the kind of other side if you don't have, you know, as that, I guess, visibility, and you don't have to, you know, tell us yes or no. So if if that's something that you are, you know, comfortable with looking at that option yep. Perfect. So I'll I'll have a lot of, look at both, obviously, making sure, you know, the fees and the returns and stuff like that. But the real cool thing with the estimate is that it does gives us that flexibility that we can do that very quickly because things do change very quickly in the market.\n\nSo, obviously, we don't day trade your super. It's not what we do. So we obviously invest in a good quality investment. But if there is one industry or something, you know, a sector or one part of the world where something's changing, we can easily stop and change things for you very quickly. So that's a really good thing.\n\nSo I'll have a little bit look at that for you, though. Before, you know, if it is that it's going to be good, I'll still run through the the research and f y with you, and then you can let me know what you would like to do. But I can go ahead and do all of that for you. So with the portfolio, we have a different one so we can tailor it based on your risk profile. So at the moment, we have you in a high growth portfolio.\n\nSo that is where you do have about 90% allocated to your growth investment. So you have your Australian shares, international shares, and new property and commodities, and that is what's going through, you know, give you that growth. And then you do have about 10% in defensive investments, like your cash, your gold, your fixed interest, limit fluctuations a little bit. But the main focus is to grow that as much as possible because you do have plenty of time on overtime. So are you quite comfortable with that same level of fluctuations and risk profile as you currently have, know, fluctuations short term in order to achieve yeah.\n\nOkay. Perfect. I'll have a look at your high growth options there for you. Now part of the research as well, I'll do a bit of forecasting as well. Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer?\n\nYep. Like, 60 five. No. That's okay. I'll just put between 60 and 65.\n\nJust plenty of time. There's enough time in there for the fluctuations, so that's really And I have here as well that when you do retire, you ideally would like to draw a weekly income of about thousand dollars for you from your superannuation. That's still, you know, the same? Yep. Alright.\n\nPerfect. Now part of, obviously, reviewing the super as well is just your contributions income. So I just wanna go check that with you. So I do have here that you have two jobs. Is that correct?\n\nYep. So your full time job, I have here earning 68,000. Okay. Now with the second job as well, casual. Yes.\n\nAnd okay. Perfect. So you would get employer contributions on both incomes, basically. Yeah. Alright.\n\nSo I can just combine the 68 then under and they both pay you the standard 12% contributions? Like, you don't have any special agreements or anything with either of them? No. Yeah. Okay.\n\nPerfect. And you are not making additional contributions to superannuation, are you? Just that from your from your employment? Okay. Is that something you are wanting to do?\n\nOkay. No. Okay. No problem. If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it.\n\nSo, you know, if it is a point where you are like, okay. I'm I wanna talk about a bit more, just give us a call. Perfect. Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little bit for you. Yep.\n\nPerfect. And I can see here that you don't have any insurances in place, and you're quite happy with that as well? Yeah. Yeah. Great.\n\nPerfect. And it doesn't look like there's anything else outstanding on on your account here, which is good. So I'll go working on this research here. Now it might take about two weeks or so to get everything together. But but as soon as I do, I will give you a call and book you in for a bit of a appointment, and then we can kind of run through all of that research together, and then you can let know what you would like to do.\n\nMhmm. Perfect. Now, Jasmine, do you have any other questions before I let you go today otherwise? No? Yeah.\n\nPerfect. If you do in the meantime, though, you know, don't hesitate to give me a call. Mhmm. No problem at all. I hope you have a good afternoon.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.27586760371923447},{"text":"Is this Jasmine?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.13382298250993094},{"text":"This is Veronica from Oakview Financial.","start":6.24,"end":8.42,"sentiment":"neutral","sentiment_score":0.11707955971360207},{"text":"How are you this afternoon?","start":8.48,"end":9.62,"sentiment":"neutral","sentiment_score":0.1747799336910248},{"text":"I'm good.","start":11.679999,"end":12.32,"sentiment":"positive","sentiment_score":0.5617299377918243}],"sentiment":"neutral","sentiment_score":0.2029467254049248,"num_words":18,"start":3.4399998,"end":12.32},{"sentences":[{"text":"Thanks.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.6221009492874146},{"text":"I have you booked in for a bit of a catch up.","start":13.679999,"end":15.975,"sentiment":"neutral","sentiment_score":0.3296987588206927},{"text":"Is now still a good time for you?","start":16.055,"end":17.915,"sentiment":"neutral","sentiment_score":0.31344005838036537},{"text":"Yep.","start":18.935001,"end":19.335001,"sentiment":"neutral","sentiment_score":0.15904772281646729},{"text":"Okay.","start":19.335001,"end":19.815,"sentiment":"neutral","sentiment_score":0.24751445651054385}],"sentiment":"neutral","sentiment_score":0.32576385658720264,"num_words":23,"start":12.32,"end":19.815},{"sentences":[{"text":"Perfect.","start":19.815,"end":20.315,"sentiment":"positive","sentiment_score":0.3750758767127991},{"text":"Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you.","start":20.695,"end":28.715,"sentiment":"neutral","sentiment_score":0.03941633808426559},{"text":"Yep.","start":29.735,"end":30.235,"sentiment":"neutral","sentiment_score":-0.05134354159235954},{"text":"Perfect.","start":30.935001,"end":31.415,"sentiment":"neutral","sentiment_score":0.17570582032203674},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":31.415,"end":37.59,"sentiment":"neutral","sentiment_score":0.054791222947339215}],"sentiment":"neutral","sentiment_score":0.05213136143856129,"num_words":59,"start":19.815,"end":37.59},{"sentences":[{"text":"Yes.","start":45.09,"end":45.489998,"sentiment":"neutral","sentiment_score":0.11516690999269484},{"text":"Perfect.","start":45.489998,"end":45.89,"sentiment":"positive","sentiment_score":0.4315795600414276},{"text":"That's exactly I have here.","start":45.89,"end":47.595,"sentiment":"positive","sentiment_score":0.4095974087715149},{"text":"And how's your day been so far?","start":47.735,"end":49.175,"sentiment":"neutral","sentiment_score":0.14166950753756932},{"text":"Been busy?","start":49.175,"end":49.915,"sentiment":"neutral","sentiment_score":-0.01578718889504671}],"sentiment":"neutral","sentiment_score":0.2221778555540368,"num_words":16,"start":45.09,"end":49.915},{"sentences":[{"text":"Oh, that's good.","start":53.255,"end":53.895,"sentiment":"neutral","sentiment_score":0.3294808367888133},{"text":"Well, I will try not to keep you here for too long.","start":53.895,"end":56.395,"sentiment":"neutral","sentiment_score":-0.037515608904262386},{"text":"Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago.","start":58.055,"end":64.1,"sentiment":"neutral","sentiment_score":0.029709568433463573},{"text":"Sorry.","start":64.1,"end":64.6,"sentiment":"neutral","sentiment_score":-0.04096353054046631},{"text":"And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you.","start":65.7,"end":74.2,"sentiment":"neutral","sentiment_score":0.08662291616201401}],"sentiment":"neutral","sentiment_score":0.05724694601435592,"num_words":69,"start":53.255,"end":74.2},{"sentences":[{"text":"Does does that still ring a bell?","start":74.979996,"end":77.365,"sentiment":"neutral","sentiment_score":-0.004130023664661816},{"text":"Yes.","start":77.744995,"end":78.244995,"sentiment":"neutral","sentiment_score":0.11226284503936768},{"text":"Perfect.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.1923159658908844},{"text":"So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you.","start":79.505,"end":83.985,"sentiment":"neutral","sentiment_score":0.022905069375958514},{"text":"Did you get the reports and everything like that okay as well?","start":83.985,"end":87.045,"sentiment":"neutral","sentiment_score":0.03694496427973112}],"sentiment":"neutral","sentiment_score":0.029168273579623354,"num_words":38,"start":74.979996,"end":87.045},{"sentences":[{"text":"Okay.","start":94.740005,"end":95.060005,"sentiment":"neutral","sentiment_score":-0.07003600895404816},{"text":"I'll I'll follow-up with the team.","start":95.060005,"end":97.16,"sentiment":"neutral","sentiment_score":-0.00939869376209875},{"text":"But, essentially, after the the under review, there is an review pack, like, similar to the usual ones where you will get kind of a a breakdown of your performance report and the summary and and everything like that for you.","start":97.700005,"end":113.505,"sentiment":"neutral","sentiment_score":0.06481627415774799},{"text":"So I will just check check with the team if that has been sent.","start":113.505,"end":117.33,"sentiment":"neutral","sentiment_score":0.06780034942286355},{"text":"If not, we'll just get it resent for you.","start":117.33,"end":119.67,"sentiment":"neutral","sentiment_score":0.05947037351628145}],"sentiment":"neutral","sentiment_score":0.05655601862686831,"num_words":71,"start":94.740005,"end":119.67},{"sentences":[{"text":"Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially recently.","start":121.49,"end":129.81,"sentiment":"neutral","sentiment_score":0.14896244426136432},{"text":"There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well.","start":129.81,"end":136.365,"sentiment":"neutral","sentiment_score":0.03395951146052943},{"text":"So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you.","start":136.66501,"end":150.26,"sentiment":"neutral","sentiment_score":0.26662131535763645},{"text":"Especially because one of the investments in the portfolio, which is your Benelung Australian Equities, now that one has kind of underperformed a little bit.","start":150.8,"end":160.875,"sentiment":"neutral","sentiment_score":-0.1602033300208859},{"text":"So we're not super happy with the returns of that one.","start":161.035,"end":164.315,"sentiment":"negative","sentiment_score":-0.6111133559183641}],"sentiment":"neutral","sentiment_score":0.049482646772931155,"num_words":135,"start":121.49,"end":164.315},{"sentences":[{"text":"The biggest reason isn't really the fund itself.","start":164.315,"end":167.355,"sentiment":"negative","sentiment_score":-0.3997400403022766},{"text":"It's just one of their investments that they had in the fund was corporate travel corporate travel group.","start":167.355,"end":174.415,"sentiment":"neutral","sentiment_score":-0.19229466964801153},{"text":"And, essentially, they were suspended from trading on the ASX.","start":174.555,"end":179.72,"sentiment":"neutral","sentiment_score":-0.2317116841673851},{"text":"So, basically, that just meant that they the valuation fluctuated and went down.","start":179.94,"end":185.22,"sentiment":"neutral","sentiment_score":-0.31857476096886855},{"text":"So they had to be adjusting.","start":185.22,"end":186.52,"sentiment":"neutral","sentiment_score":-0.32551656166712445}],"sentiment":"neutral","sentiment_score":-0.27401659055189653,"num_words":55,"start":164.315,"end":186.52},{"sentences":[{"text":"So because of that, it's of gone down.","start":187.78,"end":189.25499,"sentiment":"negative","sentiment_score":-0.3413860984146595},{"text":"So I wanna look look at doing some research and swap that one out for you, if appropriate, to something that's doing a little bit better for you.","start":189.25499,"end":197.17499,"sentiment":"neutral","sentiment_score":0.07556509492652756},{"text":"Because the goal is obviously making sure that we can maximize that growth for you and get you to where you want to be ultimately.","start":197.17499,"end":203.67499,"sentiment":"positive","sentiment_score":0.5134506547451019},{"text":"So the good thing with HAP 24 is it does allow us to do a lot of that.","start":205.17,"end":209.35,"sentiment":"positive","sentiment_score":0.5541706730922064},{"text":"So if you're happy for me to do so, I'll have a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you.","start":209.41,"end":219.735,"sentiment":"positive","sentiment_score":0.5891086529638316}],"sentiment":"positive","sentiment_score":0.3792507975394356,"num_words":116,"start":187.78,"end":219.735},{"sentences":[{"text":"Now a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of a read on that.","start":220.695,"end":229.675,"sentiment":"neutral","sentiment_score":-0.008629603631561622},{"text":"Yeah.","start":230.615,"end":231.115,"sentiment":"neutral","sentiment_score":0.0939825028181076},{"text":"No.","start":236.24,"end":236.56001,"sentiment":"neutral","sentiment_score":0.006769202649593353},{"text":"That's okay.","start":236.56001,"end":237.38,"sentiment":"neutral","sentiment_score":0.08668123185634613},{"text":"I'm just basically letting you know as well.","start":238.08,"end":240.64001,"sentiment":"neutral","sentiment_score":0.12680537439882755}],"sentiment":"neutral","sentiment_score":0.023009314730932765,"num_words":44,"start":220.695,"end":240.64001},{"sentences":[{"text":"So part of the research, there is basically two approaches.","start":240.64001,"end":243.36,"sentiment":"neutral","sentiment_score":0.08110980316996574},{"text":"We can go with it depending on what's important to you, and I can consider both as well.","start":243.36,"end":247.345,"sentiment":"neutral","sentiment_score":0.12142507773306635},{"text":"But we've recently gone in with BlackRock, which you may have heard of.","start":247.565,"end":253.265,"sentiment":"neutral","sentiment_score":0.03796059638261795},{"text":"Yeah.","start":254.28499,"end":254.605,"sentiment":"neutral","sentiment_score":0.1052672117948532},{"text":"So they're massive.","start":254.605,"end":255.405,"sentiment":"neutral","sentiment_score":0.19642000397046408}],"sentiment":"neutral","sentiment_score":0.09299476461278068,"num_words":45,"start":240.64001,"end":255.405},{"sentences":[{"text":"So we've just launched an SMA with them, which is basically a self managed account.","start":255.405,"end":261.34,"sentiment":"neutral","sentiment_score":0.14872875362634658},{"text":"I'm not sure if you're quite familiar with the concept and how things work.","start":261.34,"end":265.44,"sentiment":"neutral","sentiment_score":0.0465536043047905},{"text":"No.","start":266.78,"end":267.28,"sentiment":"neutral","sentiment_score":-0.017821963876485825},{"text":"No.","start":267.41998,"end":267.91998,"sentiment":"neutral","sentiment_score":-0.016768865287303925},{"text":"But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio.","start":268.46,"end":276.285,"sentiment":"neutral","sentiment_score":0.022764427401125432}],"sentiment":"neutral","sentiment_score":0.06477214673570558,"num_words":51,"start":255.405,"end":276.285},{"sentences":[{"text":"Now the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you.","start":278.10498,"end":289.92,"sentiment":"neutral","sentiment_score":0.30718885635843085},{"text":"So it's, like, full full of visibility.","start":289.92,"end":291.86002,"sentiment":"positive","sentiment_score":0.46488709109170095},{"text":"Now if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation.","start":292.32,"end":301.46,"sentiment":"neutral","sentiment_score":0.18954668605122074},{"text":"I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not.","start":301.725,"end":307.505,"sentiment":"neutral","sentiment_score":0.29218832969665526},{"text":"Now with the SMA, it's kind of where you invest in a portfolio.","start":309.245,"end":313.905,"sentiment":"neutral","sentiment_score":0.05744765441005047}],"sentiment":"neutral","sentiment_score":0.25898248166209314,"num_words":123,"start":278.10498,"end":313.905},{"sentences":[{"text":"And in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio.","start":314.9,"end":319.64,"sentiment":"neutral","sentiment_score":0.07150509547103535},{"text":"So it would just be like a name.","start":319.7,"end":321.08002,"sentiment":"neutral","sentiment_score":0.06384684424847364},{"text":"Now you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way.","start":321.38,"end":328.495,"sentiment":"neutral","sentiment_score":0.0579732204011331},{"text":"So you basically just invest in the portfolio.","start":329.35498,"end":331.935,"sentiment":"neutral","sentiment_score":0.16901473235338926},{"text":"The the good thing with it is that it gives us and BlackRock together the flexibility of changing investments really easily because you are invested in the portfolio itself, not in the individual investment.","start":332.235,"end":345.38998,"sentiment":"positive","sentiment_score":0.40731411558740277}],"sentiment":"neutral","sentiment_score":0.19454210346642262,"num_words":96,"start":314.9,"end":345.38998},{"sentences":[{"text":"So if something happens and we just see one investment not going to do really well, we don't have to then go through the whole lengthy compliance research documents and present it to you, which obviously prolongs the time frame a little bit.","start":345.85,"end":360.42502,"sentiment":"neutral","sentiment_score":0.015328267632528793},{"text":"We can just completely swap that out.","start":360.48502,"end":363.14502,"sentiment":"neutral","sentiment_score":0.1800476312637329},{"text":"You still get notified of the the change, but we would do just go ahead and do that if we think it's going to be the best for you.","start":363.445,"end":369.08002,"sentiment":"neutral","sentiment_score":0.252828825650544},{"text":"So it speeds up the process.","start":369.08002,"end":371.1,"sentiment":"neutral","sentiment_score":0.32338128487269086},{"text":"So you kind of have a bit more of the the active management to it.","start":372.04,"end":376.06,"sentiment":"neutral","sentiment_score":0.12653975635766984}],"sentiment":"neutral","sentiment_score":0.13089868925511838,"num_words":100,"start":345.85,"end":376.06},{"sentences":[{"text":"They're in the kind of other side if you don't have, you know, as that, I guess, visibility, and you don't have to, you know, tell us yes or no.","start":376.12,"end":384.94498,"sentiment":"neutral","sentiment_score":0.09101335306962331},{"text":"So if if that's something that you are, you know, comfortable with looking at that option yep.","start":385.245,"end":391.745,"sentiment":"neutral","sentiment_score":0.08757222290424739},{"text":"Perfect.","start":392.62997,"end":392.78998,"sentiment":"positive","sentiment_score":0.4960394501686096},{"text":"So I'll I'll have a lot of, look at both, obviously, making sure, you know, the fees and the returns and stuff like that.","start":392.78998,"end":398.49,"sentiment":"neutral","sentiment_score":0.22797008169194063},{"text":"But the real cool thing with the estimate is that it does gives us that flexibility that we can do that very quickly because things do change very quickly in the market.","start":398.94998,"end":407.845,"sentiment":"positive","sentiment_score":0.5533978138118982}],"sentiment":"neutral","sentiment_score":0.2682228830213157,"num_words":104,"start":376.12,"end":407.845},{"sentences":[{"text":"So, obviously, we don't day trade your super.","start":408.465,"end":410.385,"sentiment":"neutral","sentiment_score":-0.045531245181337},{"text":"It's not what we do.","start":410.385,"end":411.185,"sentiment":"neutral","sentiment_score":-0.06597272530198098},{"text":"So we obviously invest in a good quality investment.","start":411.185,"end":413.685,"sentiment":"neutral","sentiment_score":0.13479924864239162},{"text":"But if there is one industry or something, you know, a sector or one part of the world where something's changing, we can easily stop and change things for you very quickly.","start":413.745,"end":422.72,"sentiment":"neutral","sentiment_score":0.06314447754994035},{"text":"So that's a really good thing.","start":423.26,"end":424.54,"sentiment":"positive","sentiment_score":0.7366089522838593}],"sentiment":"neutral","sentiment_score":0.11598927741870284,"num_words":60,"start":408.465,"end":424.54},{"sentences":[{"text":"So I'll have a little bit look at that for you, though.","start":424.54,"end":427.76,"sentiment":"neutral","sentiment_score":0.20987476160128912},{"text":"Before, you know, if it is that it's going to be good, I'll still run through the the research and f y with you, and then you can let me know what you would like to do.","start":427.82,"end":436.055,"sentiment":"neutral","sentiment_score":0.12506478330170787},{"text":"But I can go ahead and do all of that for you.","start":436.675,"end":438.835,"sentiment":"neutral","sentiment_score":0.18563448078930378},{"text":"So with the portfolio, we have a different one so we can tailor it based on your risk profile.","start":438.835,"end":444.93,"sentiment":"neutral","sentiment_score":0.1302472949028015},{"text":"So at the moment, we have you in a high growth portfolio.","start":445.88998,"end":449.59,"sentiment":"neutral","sentiment_score":0.1334002943088611}],"sentiment":"neutral","sentiment_score":0.1461848915838029,"num_words":92,"start":424.54,"end":449.59},{"sentences":[{"text":"So that is where you do have about 90% allocated to your growth investment.","start":450.21,"end":456.22998,"sentiment":"neutral","sentiment_score":0.168864620583398},{"text":"So you have your Australian shares, international shares, and new property and commodities, and that is what's going through, you know, give you that growth.","start":456.85,"end":464.365,"sentiment":"neutral","sentiment_score":0.15476303279399872},{"text":"And then you do have about 10% in defensive investments, like your cash, your gold, your fixed interest, limit fluctuations a little bit.","start":464.365,"end":473.55002,"sentiment":"neutral","sentiment_score":0.1313013045684151},{"text":"But the main focus is to grow that as much as possible because you do have plenty of time on overtime.","start":473.69,"end":478.91,"sentiment":"neutral","sentiment_score":0.1945549529932794},{"text":"So are you quite comfortable with that same level of fluctuations and risk profile as you currently have, know, fluctuations short term in order to achieve yeah.","start":480.57,"end":502.21,"sentiment":"neutral","sentiment_score":0.087759077893915}],"sentiment":"neutral","sentiment_score":0.1428023602644151,"num_words":110,"start":450.21,"end":502.21},{"sentences":[{"text":"Okay.","start":502.21,"end":502.61,"sentiment":"neutral","sentiment_score":0.31952738761901855},{"text":"Perfect.","start":502.61,"end":503.11,"sentiment":"positive","sentiment_score":0.5290001034736633},{"text":"I'll have a look at your high growth options there for you.","start":503.97,"end":507.50998,"sentiment":"neutral","sentiment_score":0.31924258172512054},{"text":"Now part of the research as well, I'll do a bit of forecasting as well.","start":507.81,"end":512.845,"sentiment":"neutral","sentiment_score":0.1657243515054385},{"text":"Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer?","start":513.545,"end":522.925,"sentiment":"neutral","sentiment_score":-0.017120960960164668}],"sentiment":"neutral","sentiment_score":0.09391978704303071,"num_words":69,"start":502.21,"end":522.925},{"sentences":[{"text":"Yep.","start":531.43,"end":531.93,"sentiment":"neutral","sentiment_score":-0.07274028658866882},{"text":"Like, 60 five.","start":532.39,"end":534.01,"sentiment":"neutral","sentiment_score":-0.12351679305235545},{"text":"No.","start":535.91,"end":536.39,"sentiment":"neutral","sentiment_score":-0.14795975387096405},{"text":"That's okay.","start":536.39,"end":537.13,"sentiment":"neutral","sentiment_score":0.08721338026225567},{"text":"I'll just put between 60 and 65.","start":537.51,"end":541.15497,"sentiment":"neutral","sentiment_score":0.12952600845268794}],"sentiment":"neutral","sentiment_score":0.034989885719759126,"num_words":14,"start":531.43,"end":541.15497},{"sentences":[{"text":"Just plenty of time.","start":541.15497,"end":542.035,"sentiment":"neutral","sentiment_score":0.23663615062832832},{"text":"There's enough time in there for the fluctuations, so that's really And I have here as well that when you do retire, you ideally would like to draw a weekly income of about thousand dollars for you from your superannuation.","start":542.035,"end":555.33,"sentiment":"neutral","sentiment_score":0.21231012865900994},{"text":"That's still, you know, the same?","start":555.63,"end":557.41,"sentiment":"neutral","sentiment_score":0.14006416002909342},{"text":"Yep.","start":558.03,"end":558.53,"sentiment":"neutral","sentiment_score":0.1858075261116028},{"text":"Alright.","start":558.83,"end":559.31,"sentiment":"positive","sentiment_score":0.39395517110824585}],"sentiment":"neutral","sentiment_score":0.2088287962743869,"num_words":52,"start":541.15497,"end":559.31},{"sentences":[{"text":"Perfect.","start":559.31,"end":559.81,"sentiment":"positive","sentiment_score":0.5667194128036499},{"text":"Now part of, obviously, reviewing the super as well is just your contributions income.","start":561.39,"end":566.30505,"sentiment":"neutral","sentiment_score":0.22005919899259294},{"text":"So I just wanna go check that with you.","start":566.30505,"end":568.645,"sentiment":"neutral","sentiment_score":0.18664426273769802},{"text":"So I do have here that you have two jobs.","start":569.10504,"end":571.585,"sentiment":"neutral","sentiment_score":0.10148248597979545},{"text":"Is that correct?","start":571.585,"end":572.48505,"sentiment":"neutral","sentiment_score":0.08663846800724666}],"sentiment":"neutral","sentiment_score":0.17843477911240346,"num_words":37,"start":559.31,"end":572.48505},{"sentences":[{"text":"Yep.","start":573.42505,"end":573.92505,"sentiment":"neutral","sentiment_score":0.10400795191526412},{"text":"So your full time job, I have here earning 68,000.","start":574.145,"end":577.95,"sentiment":"neutral","sentiment_score":0.15575748011469842},{"text":"Okay.","start":585.47003,"end":585.97003,"sentiment":"neutral","sentiment_score":0.1001107320189476},{"text":"Now with the second job as well, casual.","start":587.07,"end":591.425,"sentiment":"neutral","sentiment_score":0.07400808343663812},{"text":"Yes.","start":593.165,"end":593.665,"sentiment":"neutral","sentiment_score":0.12492050230503082}],"sentiment":"neutral","sentiment_score":0.11803231689901579,"num_words":21,"start":573.42505,"end":593.665},{"sentences":[{"text":"And okay.","start":594.045,"end":595.565,"sentiment":"neutral","sentiment_score":0.21578007191419601},{"text":"Perfect.","start":595.565,"end":596.045,"sentiment":"positive","sentiment_score":0.34091025590896606},{"text":"So you would get employer contributions on both incomes, basically.","start":596.045,"end":600.065,"sentiment":"neutral","sentiment_score":0.17384596914052963},{"text":"Yeah.","start":600.28503,"end":600.765,"sentiment":"neutral","sentiment_score":0.12764617800712583},{"text":"Alright.","start":600.765,"end":601.085,"sentiment":"neutral","sentiment_score":0.1415678858757019}],"sentiment":"neutral","sentiment_score":0.18534294366836548,"num_words":15,"start":594.045,"end":601.085},{"sentences":[{"text":"So I can just combine the 68 then under and they both pay you the standard 12% contributions?","start":601.085,"end":607.01,"sentiment":"neutral","sentiment_score":0.15521419296662012},{"text":"Like, you don't have any special agreements or anything with either of them?","start":607.07,"end":610.20996,"sentiment":"neutral","sentiment_score":0.053815553681208536},{"text":"No.","start":612.51,"end":612.99,"sentiment":"neutral","sentiment_score":-0.11161303520202635},{"text":"Yeah.","start":612.99,"end":613.23,"sentiment":"neutral","sentiment_score":-0.009888969361782074},{"text":"Okay.","start":613.23,"end":613.55,"sentiment":"neutral","sentiment_score":0.10263513028621674}],"sentiment":"neutral","sentiment_score":0.10219384696992005,"num_words":34,"start":601.085,"end":613.55},{"sentences":[{"text":"Perfect.","start":613.55,"end":614.05,"sentiment":"neutral","sentiment_score":0.2235416024923325},{"text":"And you are not making additional contributions to superannuation, are you?","start":614.58997,"end":618.43,"sentiment":"neutral","sentiment_score":-0.03681397539648143},{"text":"Just that from your from your employment?","start":618.43,"end":620.475,"sentiment":"neutral","sentiment_score":-0.046910627612045834},{"text":"Okay.","start":621.735,"end":622.235,"sentiment":"neutral","sentiment_score":-0.04826894402503967},{"text":"Is that something you are wanting to do?","start":622.375,"end":624.715,"sentiment":"neutral","sentiment_score":-0.04064229014329612}],"sentiment":"neutral","sentiment_score":-0.031542635190167596,"num_words":28,"start":613.55,"end":624.715},{"sentences":[{"text":"Okay.","start":627.575,"end":628.075,"sentiment":"neutral","sentiment_score":-0.04316110908985138},{"text":"No.","start":630.055,"end":630.295,"sentiment":"neutral","sentiment_score":-0.03725516051054001},{"text":"Okay.","start":630.295,"end":630.615,"sentiment":"neutral","sentiment_score":0.03288225084543228},{"text":"No problem.","start":630.615,"end":631.335,"sentiment":"neutral","sentiment_score":0.12555468827486038},{"text":"If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it.","start":631.335,"end":644.55,"sentiment":"neutral","sentiment_score":0.2134750844289859}],"sentiment":"neutral","sentiment_score":0.20018585266975256,"num_words":65,"start":627.575,"end":644.55},{"sentences":[{"text":"So, you know, if it is a point where you are like, okay.","start":644.55,"end":646.685,"sentiment":"neutral","sentiment_score":0.12385557935788082},{"text":"I'm I wanna talk about a bit more, just give us a call.","start":646.825,"end":649.48505,"sentiment":"neutral","sentiment_score":0.09723669634415553},{"text":"Perfect.","start":651.305,"end":651.78503,"sentiment":"positive","sentiment_score":0.5211970210075378},{"text":"Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little bit for you.","start":651.78503,"end":668.52,"sentiment":"neutral","sentiment_score":0.24197049184543332},{"text":"Yep.","start":668.58,"end":669.08,"sentiment":"neutral","sentiment_score":0.27957332134246826}],"sentiment":"neutral","sentiment_score":0.19704000133535135,"num_words":69,"start":644.55,"end":669.08},{"sentences":[{"text":"Perfect.","start":669.14,"end":669.64,"sentiment":"positive","sentiment_score":0.49323058128356934},{"text":"And I can see here that you don't have any insurances in place, and you're quite happy with that as well?","start":669.86,"end":674.375,"sentiment":"positive","sentiment_score":0.36660983307021006},{"text":"Yeah.","start":675.315,"end":675.79504,"sentiment":"neutral","sentiment_score":0.22446265816688535},{"text":"Yeah.","start":675.79504,"end":676.115,"sentiment":"neutral","sentiment_score":0.32517409324645996},{"text":"Great.","start":676.115,"end":676.435,"sentiment":"positive","sentiment_score":0.5942283868789673}],"sentiment":"positive","sentiment_score":0.3734360885620117,"num_words":25,"start":669.14,"end":676.435},{"sentences":[{"text":"Perfect.","start":676.435,"end":676.935,"sentiment":"positive","sentiment_score":0.5308913588523865},{"text":"And it doesn't look like there's anything else outstanding on on your account here, which is good.","start":677.155,"end":684.195,"sentiment":"positive","sentiment_score":0.3604308068752289},{"text":"So I'll go working on this research here.","start":684.195,"end":687.015,"sentiment":"neutral","sentiment_score":0.23235220275819302},{"text":"Now it might take about two weeks or so to get everything together.","start":687.075,"end":690.43,"sentiment":"neutral","sentiment_score":0.06952618922178562},{"text":"But but as soon as I do, I will give you a call and book you in for a bit of a appointment, and then we can kind of run through all of that research together, and then you can let know what you would like to do.","start":691.61,"end":702.745,"sentiment":"neutral","sentiment_score":0.14727116019154587}],"sentiment":"neutral","sentiment_score":0.18953895226292228,"num_words":87,"start":676.435,"end":702.745},{"sentences":[{"text":"Mhmm.","start":702.745,"end":703.245,"sentiment":"neutral","sentiment_score":0.17290495336055756},{"text":"Perfect.","start":703.385,"end":703.885,"sentiment":"neutral","sentiment_score":0.26301735639572144},{"text":"Now, Jasmine, do you have any other questions before I let you go today otherwise?","start":703.945,"end":707.40497,"sentiment":"neutral","sentiment_score":0.10037797391414642},{"text":"No?","start":709.785,"end":710.285,"sentiment":"neutral","sentiment_score":0.016914349049329758},{"text":"Yeah.","start":711.14496,"end":711.64496,"sentiment":"neutral","sentiment_score":0.23174427449703217}],"sentiment":"neutral","sentiment_score":0.11527634431657038,"num_words":19,"start":702.745,"end":711.64496},{"sentences":[{"text":"Perfect.","start":711.865,"end":712.365,"sentiment":"neutral","sentiment_score":0.28242558240890503},{"text":"If you do in the meantime, though, you know, don't hesitate to give me a call.","start":712.58496,"end":716.13995,"sentiment":"neutral","sentiment_score":0.1519770547747612},{"text":"Mhmm.","start":718.83997,"end":719.0,"sentiment":"neutral","sentiment_score":0.287251353263855},{"text":"No problem at all.","start":719.0,"end":719.8,"sentiment":"positive","sentiment_score":0.5300468653440475},{"text":"I hope you have a good afternoon.","start":719.8,"end":721.18,"sentiment":"positive","sentiment_score":0.7096203310149056}],"sentiment":"positive","sentiment_score":0.3478910203637748,"num_words":29,"start":711.865,"end":721.18},{"sentences":[{"text":"Thanks.","start":722.75995,"end":723.25995,"sentiment":"positive","sentiment_score":0.6635247468948364},{"text":"Bye.","start":723.31995,"end":723.81995,"sentiment":"positive","sentiment_score":0.40098899602890015}],"sentiment":"positive","sentiment_score":0.5322568714618683,"num_words":2,"start":722.75995,"end":723.81995}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. Good. Thank you. How are you? Yeah. That's fine. Yep. That's not alright. Jasmine Marie Headland. December 1986. 15 Irvine Road, Darren. It has been, but not too bad at all. That's okay. Yep. Yep. Yes. Yep. I haven't received anything via email, but I have been having trouble with my emails. Yep. Yep. Okay. Yep. Yep. Yes. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Yeah. Yep. Yeah. Absolutely. Yep. Yep. Yep. I did I have got it. I just haven't been able to actually sit down and have a proper look at it yet. K. Yep. Yeah. Yep. Yep. Not really. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Okay. Yep. Yes. Yep. Yep. Yep. Yep. Okay. Yeah. That's fine. Yep. Yep. Yep. Very good. Yes. Yep. Okay. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Yeah. No. I think I think it's pretty pretty okay. So yeah. No. That should be fine. Yep. Yeah. That's fine. Yep. In all honesty, I actually don't know. I I would probably try and work for a bit longer, but yeah. Like, I can't really guarantee that either. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yes. That's pretty much what I earned all, like, last year with both jobs. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. No. No special agreement. I haven't as yet. No. Eventually, but, yeah, just not at this point in time. Yep. Okay. Yeah. No. Basically, just focusing on what what we've been doing sort of thing, really. Yeah. That's fine. Yep. Yeah. That's okay. That sounds great. No. That all sounds actually really good. Yeah. Yes. Alright. That sounds great. Thank you so much. You too. Thank you. 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Speaking. Good. Thank you. How are you?\n\nYeah. That's fine. Yep. That's not alright. Jasmine Marie Headland.\n\nDecember 1986. 15 Irvine Road, Darren. It has been, but not too bad at all. That's okay. Yep.\n\nYep. Yes. Yep. I haven't received anything via email, but I have been having trouble with my emails. Yep.\n\nYep. Okay. Yep. Yep. Yes.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nAbsolutely. Yep. Yep. Yep. I did I have got it.\n\nI just haven't been able to actually sit down and have a proper look at it yet. K. Yep. Yeah. Yep.\n\nYep. Not really. Yep. Okay. Yep.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Okay. Yeah. That's fine. Yep.\n\nYep. Yep. Very good. Yes. Yep.\n\nOkay. Yep. Okay. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. No. I think I think it's pretty pretty okay. So yeah.\n\nNo. That should be fine. Yep. Yeah. That's fine.\n\nYep. In all honesty, I actually don't know. I I would probably try and work for a bit longer, but yeah. Like, I can't really guarantee that either. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yes. That's pretty much what I earned all, like, last year with both jobs. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Yep.\n\nNo. No special agreement. I haven't as yet. No. Eventually, but, yeah, just not at this point in time.\n\nYep. Okay. Yeah. No. Basically, just focusing on what what we've been doing sort of thing, really.\n\nYeah. That's fine. Yep. Yeah. That's okay.\n\nThat sounds great. No. That all sounds actually really good. Yeah. Yes.\n\nAlright. That sounds great. Thank you so much. You too. 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really.","start":265.69998,"end":266.76,"sentiment":"neutral","sentiment_score":-0.022310863249003887},{"text":"Yep.","start":276.99503,"end":277.49503,"sentiment":"neutral","sentiment_score":0.12395145744085312},{"text":"Okay.","start":292.4,"end":292.48,"sentiment":"neutral","sentiment_score":0.1880691796541214},{"text":"Yep.","start":292.48,"end":292.98,"sentiment":"neutral","sentiment_score":0.1868886351585388}],"sentiment":"neutral","sentiment_score":0.10016278208543856,"num_words":6,"start":258.675,"end":292.98},{"sentences":[{"text":"Yep.","start":307.85498,"end":308.255,"sentiment":"neutral","sentiment_score":0.10191148519515993},{"text":"Okay.","start":308.255,"end":308.755,"sentiment":"neutral","sentiment_score":0.0827055424451828},{"text":"Yep.","start":321.56998,"end":322.06998,"sentiment":"neutral","sentiment_score":0.09485303610563278},{"text":"Yep.","start":329.025,"end":329.525,"sentiment":"neutral","sentiment_score":0.1293799728155136},{"text":"Okay.","start":346.08,"end":346.58,"sentiment":"neutral","sentiment_score":0.12430083006620408}],"sentiment":"neutral","sentiment_score":0.10663017332553863,"num_words":5,"start":307.85498,"end":346.58},{"sentences":[{"text":"Yep.","start":350.96,"end":351.46,"sentiment":"neutral","sentiment_score":0.040014468133449554},{"text":"Yes.","start":360.535,"end":360.935,"sentiment":"neutral","sentiment_score":0.17614145576953888},{"text":"Yep.","start":360.935,"end":361.435,"sentiment":"neutral","sentiment_score":0.2187197208404541},{"text":"Yep.","start":371.51,"end":372.01,"sentiment":"neutral","sentiment_score":0.17250418663024902},{"text":"Yep.","start":376.39,"end":376.89,"sentiment":"neutral","sentiment_score":0.1120775267481804}],"sentiment":"neutral","sentiment_score":0.14389147162437438,"num_words":5,"start":350.96,"end":376.89},{"sentences":[{"text":"Yep.","start":385.405,"end":385.72498,"sentiment":"neutral","sentiment_score":0.05272635444998741},{"text":"Okay.","start":385.72498,"end":386.22498,"sentiment":"neutral","sentiment_score":0.06424665451049805},{"text":"Yeah.","start":389.805,"end":390.04498,"sentiment":"neutral","sentiment_score":0.08140845596790314},{"text":"That's fine.","start":390.04498,"end":390.94498,"sentiment":"neutral","sentiment_score":0.16302702575922012},{"text":"Yep.","start":391.405,"end":391.86,"sentiment":"neutral","sentiment_score":0.2762616276741028}],"sentiment":"neutral","sentiment_score":0.13344952402015528,"num_words":6,"start":385.405,"end":391.86},{"sentences":[{"text":"Yep.","start":398.74,"end":399.24,"sentiment":"neutral","sentiment_score":0.2836277484893799},{"text":"Yep.","start":405.3,"end":405.8,"sentiment":"positive","sentiment_score":0.3768419921398163},{"text":"Very good.","start":407.35498,"end":408.095,"sentiment":"positive","sentiment_score":0.7150721848011017},{"text":"Yes.","start":408.395,"end":408.895,"sentiment":"neutral","sentiment_score":0.21624939143657684},{"text":"Yep.","start":422.235,"end":422.49,"sentiment":"positive","sentiment_score":0.3824704587459564}],"sentiment":"positive","sentiment_score":0.4482223267356555,"num_words":6,"start":398.74,"end":422.49},{"sentences":[{"text":"Okay.","start":432.88998,"end":433.38998,"sentiment":"neutral","sentiment_score":0.11558503657579422},{"text":"Yep.","start":433.53,"end":434.03,"sentiment":"neutral","sentiment_score":0.12429752200841904},{"text":"Okay.","start":436.33,"end":436.83,"sentiment":"neutral","sentiment_score":0.1270718276500702},{"text":"Yep.","start":445.965,"end":446.465,"sentiment":"neutral","sentiment_score":0.12698233127593994},{"text":"Yep.","start":450.285,"end":450.66,"sentiment":"neutral","sentiment_score":0.16536864638328552}],"sentiment":"neutral","sentiment_score":0.1318610727787018,"num_words":5,"start":432.88998,"end":450.66},{"sentences":[{"text":"Mhmm.","start":457.06,"end":457.56,"sentiment":"neutral","sentiment_score":0.12393076717853546},{"text":"Yep.","start":462.34,"end":462.765,"sentiment":"neutral","sentiment_score":0.15236924588680267},{"text":"Yep.","start":463.325,"end":463.825,"sentiment":"neutral","sentiment_score":0.1860145777463913},{"text":"Yep.","start":473.725,"end":474.225,"sentiment":"neutral","sentiment_score":0.13166093826293945},{"text":"Yeah.","start":479.82,"end":480.13998,"sentiment":"neutral","sentiment_score":0.084236741065979}],"sentiment":"neutral","sentiment_score":0.13564245402812958,"num_words":5,"start":457.06,"end":480.13998},{"sentences":[{"text":"Yeah.","start":480.13998,"end":480.63998,"sentiment":"neutral","sentiment_score":0.07086355984210968},{"text":"Yeah.","start":490.61502,"end":490.855,"sentiment":"neutral","sentiment_score":0.06707976013422012},{"text":"No.","start":490.855,"end":491.095,"sentiment":"neutral","sentiment_score":0.05103020370006561},{"text":"I think I think it's pretty pretty okay.","start":491.095,"end":494.05502,"sentiment":"neutral","sentiment_score":0.11684850417077541},{"text":"So yeah.","start":494.05502,"end":494.535,"sentiment":"neutral","sentiment_score":0.08232922106981277}],"sentiment":"neutral","sentiment_score":0.09910923070632495,"num_words":13,"start":480.13998,"end":494.535},{"sentences":[{"text":"No.","start":494.535,"end":494.77502,"sentiment":"neutral","sentiment_score":0.05812261253595352},{"text":"That should be fine.","start":494.77502,"end":495.73502,"sentiment":"neutral","sentiment_score":0.12408054620027542},{"text":"Yep.","start":495.73502,"end":496.23502,"sentiment":"neutral","sentiment_score":0.05140092968940735},{"text":"Yeah.","start":500.375,"end":500.77502,"sentiment":"neutral","sentiment_score":0.03528507053852081},{"text":"That's fine.","start":500.77502,"end":501.75,"sentiment":"neutral","sentiment_score":0.0961795412003994}],"sentiment":"neutral","sentiment_score":0.09260998666286469,"num_words":9,"start":494.535,"end":501.75},{"sentences":[{"text":"Yep.","start":503.01,"end":503.51,"sentiment":"neutral","sentiment_score":0.31027722358703613},{"text":"In all honesty, I actually don't know.","start":525.505,"end":527.425,"sentiment":"neutral","sentiment_score":-0.13032489908593042},{"text":"I I would probably try and work for a bit longer, but yeah.","start":527.425,"end":533.05,"sentiment":"neutral","sentiment_score":-0.1789519855609307},{"text":"Like, I can't really guarantee that either.","start":533.11,"end":535.37,"sentiment":"neutral","sentiment_score":-0.169228338769504},{"text":"Yeah.","start":536.38995,"end":536.88995,"sentiment":"neutral","sentiment_score":-0.06155510991811752}],"sentiment":"neutral","sentiment_score":-0.1439491849521111,"num_words":29,"start":503.01,"end":536.88995},{"sentences":[{"text":"Yep.","start":537.43,"end":537.93,"sentiment":"neutral","sentiment_score":0.16695544123649597},{"text":"Yep.","start":540.82495,"end":541.32495,"sentiment":"neutral","sentiment_score":0.19455258548259735},{"text":"Yep.","start":545.06494,"end":545.56494,"sentiment":"neutral","sentiment_score":0.2451040744781494},{"text":"Yep.","start":554.02496,"end":554.52496,"sentiment":"neutral","sentiment_score":0.18458223342895508},{"text":"Yeah.","start":556.93,"end":557.43,"sentiment":"neutral","sentiment_score":0.13953596353530884}],"sentiment":"neutral","sentiment_score":0.18614605963230133,"num_words":5,"start":537.43,"end":557.43},{"sentences":[{"text":"Yep.","start":557.64996,"end":558.14996,"sentiment":"neutral","sentiment_score":0.1402744501829147},{"text":"Yep.","start":569.17,"end":569.565,"sentiment":"neutral","sentiment_score":0.10987737774848938},{"text":"Yes.","start":569.565,"end":570.065,"sentiment":"neutral","sentiment_score":0.12704932689666748},{"text":"That's pretty much what I earned all, like, last year with both jobs.","start":580.365,"end":584.88,"sentiment":"neutral","sentiment_score":0.20589097417317903},{"text":"Yeah.","start":586.8,"end":587.3,"sentiment":"neutral","sentiment_score":0.0812784731388092}],"sentiment":"neutral","sentiment_score":0.18441542895401225,"num_words":17,"start":557.64996,"end":587.3},{"sentences":[{"text":"Mhmm.","start":592.4,"end":592.56,"sentiment":"neutral","sentiment_score":0.060811057686805725},{"text":"Yeah.","start":592.56,"end":593.04,"sentiment":"neutral","sentiment_score":0.08602717518806458},{"text":"Yeah.","start":593.04,"end":593.44,"sentiment":"neutral","sentiment_score":0.09827935695648192},{"text":"Yeah.","start":593.44,"end":593.94,"sentiment":"neutral","sentiment_score":0.14781439304351807},{"text":"Yep.","start":610.325,"end":610.825,"sentiment":"neutral","sentiment_score":0.02334848046302795}],"sentiment":"neutral","sentiment_score":0.08325609266757965,"num_words":5,"start":592.4,"end":610.825},{"sentences":[{"text":"No.","start":611.125,"end":611.445,"sentiment":"neutral","sentiment_score":-0.06233683228492737},{"text":"No special agreement.","start":611.445,"end":612.6,"sentiment":"neutral","sentiment_score":-0.11642259607712428},{"text":"I haven't as yet.","start":619.7,"end":621.22003,"sentiment":"neutral","sentiment_score":-0.0738213500007987},{"text":"No.","start":621.22003,"end":621.72003,"sentiment":"neutral","sentiment_score":-0.111677348613739},{"text":"Eventually, but, yeah, just not at this point in time.","start":626.375,"end":629.835,"sentiment":"neutral","sentiment_score":-0.12808021903038025}],"sentiment":"neutral","sentiment_score":-0.11049313470721245,"num_words":19,"start":611.125,"end":629.835},{"sentences":[{"text":"Yep.","start":637.495,"end":637.995,"sentiment":"neutral","sentiment_score":0.24370211362838745},{"text":"Okay.","start":649.59,"end":650.09,"sentiment":"neutral","sentiment_score":0.23709401488304135},{"text":"Yeah.","start":663.145,"end":663.465,"sentiment":"neutral","sentiment_score":0.07570543885231018},{"text":"No.","start":663.465,"end":663.705,"sentiment":"neutral","sentiment_score":0.03877080976963043},{"text":"Basically, just focusing on what what we've been doing sort of thing, really.","start":663.705,"end":668.28,"sentiment":"neutral","sentiment_score":0.032501765741751745}],"sentiment":"neutral","sentiment_score":0.05987031363389071,"num_words":17,"start":637.495,"end":668.28},{"sentences":[{"text":"Yeah.","start":674.58,"end":674.9,"sentiment":"neutral","sentiment_score":0.1594872623682022},{"text":"That's fine.","start":674.9,"end":675.72003,"sentiment":"neutral","sentiment_score":0.21724460273981094},{"text":"Yep.","start":680.795,"end":681.295,"sentiment":"positive","sentiment_score":0.3421652019023895},{"text":"Yeah.","start":690.795,"end":691.115,"sentiment":"neutral","sentiment_score":0.092580184340477},{"text":"That's okay.","start":691.115,"end":702.25,"sentiment":"neutral","sentiment_score":0.11487223953008652}],"sentiment":"neutral","sentiment_score":0.17978090473583766,"num_words":7,"start":674.58,"end":702.25},{"sentences":[{"text":"That sounds great.","start":702.25,"end":703.23,"sentiment":"positive","sentiment_score":0.45448681712150574},{"text":"No.","start":708.53503,"end":708.775,"sentiment":"neutral","sentiment_score":-0.0013972213491797447},{"text":"That all sounds actually really good.","start":708.775,"end":710.875,"sentiment":"neutral","sentiment_score":0.0646998913337787},{"text":"Yeah.","start":710.93506,"end":711.43506,"sentiment":"neutral","sentiment_score":0.14209696650505066},{"text":"Yes.","start":716.135,"end":716.455,"sentiment":"neutral","sentiment_score":0.1157415509223938}],"sentiment":"neutral","sentiment_score":0.16734175795378783,"num_words":12,"start":702.25,"end":716.455},{"sentences":[{"text":"Alright.","start":716.455,"end":716.85504,"sentiment":"neutral","sentiment_score":0.08454972505569458},{"text":"That sounds great.","start":716.85504,"end":717.655,"sentiment":"positive","sentiment_score":0.8786155184110006},{"text":"Thank you so much.","start":717.655,"end":718.74286,"sentiment":"positive","sentiment_score":0.8787941038608551},{"text":"You too.","start":721.3829,"end":721.9429,"sentiment":"positive","sentiment_score":0.5105113983154297},{"text":"Thank you.","start":721.9429,"end":722.68286,"sentiment":"positive","sentiment_score":0.725492537021637}],"sentiment":"positive","sentiment_score":0.7256317138671875,"num_words":12,"start":716.455,"end":722.68286},{"sentences":[{"text":"Bye.","start":723.7029,"end":724.2029,"sentiment":"neutral","sentiment_score":-0.08379564434289932}],"sentiment":"neutral","sentiment_score":-0.08379564434289932,"num_words":1,"start":723.7029,"end":724.2029}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Jasmine?\n\nChannel 1: Speaking.\n\nChannel 0: This is Veronica from Oakview Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I have you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep. That's not\n\nChannel 0: Yep.\n\nChannel 1: alright.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Jasmine Marie Headland. December 1986. 15 Irvine Road, Darren.\n\nChannel 0: Yes. Perfect. That's exactly I have here. And how's your day been so far? Been busy?\n\nChannel 1: It has been, but not too bad at all.\n\nChannel 0: Oh, that's good. Well, I will try not to keep you here for too long.\n\nChannel 1: That's okay.\n\nChannel 0: Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you.\n\nChannel 1: Yep.\n\nChannel 0: Does does that still ring a bell?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Perfect. So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you. Did you get the reports and everything like that okay as well?\n\nChannel 1: I haven't received anything via email, but I have been having trouble with my emails.\n\nChannel 0: Okay. I'll I'll follow-up with the team. But, essentially, after the the under review, there is an review pack, like, similar to the usual ones\n\nChannel 1: Yep.\n\nChannel 0: where you will get kind of a a breakdown of your performance report and\n\nChannel 1: Yep.\n\nChannel 0: the summary and and everything like that for you. So\n\nChannel 1: Okay.\n\nChannel 0: I will just check check with the team if that has been sent. If not, we'll just get it resent for you.\n\nChannel 1: Yep.\n\nChannel 0: Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially\n\nChannel 1: Yep.\n\nChannel 0: recently. There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well.\n\nChannel 1: Yes.\n\nChannel 0: So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you. Especially because one of the investments in the portfolio, which is your Benelung Australian Equities,\n\nChannel 1: Yep. Yep.\n\nChannel 0: now that one has kind of underperformed a little bit. So we're not super happy with the returns of that one. The biggest reason isn't really the fund itself. It's just one of their\n\nChannel 1: Okay.\n\nChannel 0: investments that they had in the fund\n\nChannel 1: Yep.\n\nChannel 0: was corporate travel corporate travel group. And,\n\nChannel 1: Okay.\n\nChannel 0: essentially, they were suspended from trading on the ASX. So, basically, that just meant that they the valuation fluctuated and went down. So they had to be adjusting. So because of that, it's of gone down. So I wanna look look at doing some research and swap that one out for you, if appropriate, to something that's doing a little bit better for you.\n\nBecause\n\nChannel 1: Yep.\n\nChannel 0: the goal is obviously making sure that we can maximize that growth for you and get you to where you want to be ultimately.\n\nChannel 1: Yep.\n\nChannel 0: So the good thing with HAP 24 is it does allow us to do a lot of that. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: you're happy for me to do so, I'll\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Absolutely.\n\nChannel 0: a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you.\n\nChannel 1: Yep.\n\nChannel 0: Now a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of\n\nChannel 1: Yep.\n\nChannel 0: a read on that.\n\nChannel 1: Yep. I did\n\nChannel 0: Yeah.\n\nChannel 1: I have got it. I just haven't been able to actually sit down and have a proper look at it yet. K.\n\nChannel 0: No. That's okay. I'm just basically letting you know as well. So part of the research, there is\n\nChannel 1: Yep.\n\nChannel 0: basically two approaches. We can go with it depending on what's important to you, and I can consider both as well. But we've recently gone in with BlackRock, which you may have heard of.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So they're massive. So we've just launched an SMA with them,\n\nChannel 1: Yep.\n\nChannel 0: which is basically a self managed account. I'm not sure if you're quite familiar with the concept and how things work.\n\nChannel 1: Not really.\n\nChannel 0: No. No. But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Now the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you. So it's, like, full full of visibility. Now\n\nChannel 1: Okay. Yep.\n\nChannel 0: if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation. I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now with the SMA, it's kind of where you invest in a portfolio. And in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio. So it would just be like a name. Now\n\nChannel 1: Yep.\n\nChannel 0: you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way.\n\nChannel 1: Yep.\n\nChannel 0: So you basically just invest in the portfolio. The the good thing with it is that it gives us and BlackRock together the flexibility of changing investments really easily because you are invested in the portfolio itself, not in the individual investment. So\n\nChannel 1: Okay.\n\nChannel 0: if something happens and we just see one investment not going to do really well,\n\nChannel 1: Yep.\n\nChannel 0: we don't have to then go through the whole lengthy compliance research documents and present it to you, which obviously prolongs the time frame a little bit. We\n\nChannel 1: Yes.\n\nChannel 0: can just\n\nChannel 1: Yep.\n\nChannel 0: completely swap that out. You still get notified of the the change, but we would do just go ahead and do that if we think it's going to be the best for you. So it speeds up the process.\n\nChannel 1: Yep.\n\nChannel 0: So you kind of have a bit more of the the active management to it. They're in\n\nChannel 1: Yep.\n\nChannel 0: the kind of other side if you don't have, you know, as that, I guess, visibility, and you don't have to, you know, tell us yes or no. So\n\nChannel 1: Yep.\n\nChannel 0: if\n\nChannel 1: Okay.\n\nChannel 0: if that's something that you are, you know, comfortable with looking at\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: option\n\nChannel 1: fine.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I'll I'll have a lot of, look at both, obviously, making sure, you know, the fees and the returns and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: But the real cool thing with the estimate is that it does gives us that flexibility that we can do that very quickly because\n\nChannel 1: Yep.\n\nChannel 0: things do change very quickly in the market.\n\nChannel 1: Very good. Yes.\n\nChannel 0: So, obviously, we don't day trade your super. It's not what we do. So we obviously invest in a good quality investment. But if there is one industry or something, you know, a sector or one part of the world where something's changing, we can easily stop and change things for you very quickly.\n\nChannel 1: Yep.\n\nChannel 0: So that's a really good thing. So I'll have a little bit look at that for you, though. Before, you know, if it is that it's going to be good, I'll still run through the the research and f y with you,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: then you can let me know what you would like to do.\n\nChannel 1: Okay.\n\nChannel 0: But I can go ahead and do all of that for you. So with the portfolio, we have a different one so we can tailor it based on your risk profile. So\n\nChannel 1: Yep.\n\nChannel 0: at the moment, we have you in a high growth portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: that is where you do have about 90% allocated to your growth investment. So\n\nChannel 1: Mhmm.\n\nChannel 0: you have your Australian shares, international shares, and new property and commodities, and that is\n\nChannel 1: Yep.\n\nChannel 0: what's going through, you know,\n\nChannel 1: Yep.\n\nChannel 0: give you that growth. And then you do have about 10% in defensive investments, like your cash, your gold, your fixed interest, limit fluctuations a little bit. But\n\nChannel 1: Yep.\n\nChannel 0: the main focus is to grow that as much as possible because you do have plenty of time on overtime.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So are you quite comfortable with that same level of fluctuations and risk profile as you currently have,\n\nChannel 1: Yeah. No. I think I think it's pretty pretty okay. So yeah. No.\n\nThat should be fine. Yep.\n\nChannel 0: know, fluctuations short term\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: That's\n\nChannel 0: order to\n\nChannel 1: fine.\n\nChannel 0: achieve yeah. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I'll have a look at your high growth options there for you. Now part of the research as well, I'll do a bit of forecasting as well. Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer?\n\nChannel 1: In all honesty, I actually don't know. I I would probably try and work for a bit longer, but\n\nChannel 0: Yep. Like,\n\nChannel 1: yeah. Like,\n\nChannel 0: 60\n\nChannel 1: I can't\n\nChannel 0: five.\n\nChannel 1: really guarantee that either.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yep.\n\nChannel 0: I'll just put between 60 and 65.\n\nChannel 1: Yep.\n\nChannel 0: Just plenty of time. There's enough time in there for the fluctuations,\n\nChannel 1: Yep.\n\nChannel 0: so that's really And I have here as well that when you do retire, you ideally would like to draw a weekly income of about thousand dollars for you\n\nChannel 1: Yep.\n\nChannel 0: from your superannuation. That's still, you know, the same?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Alright. Perfect. Now part of, obviously, reviewing the super as well is just your contributions income. So I just wanna go check that with you.\n\nSo\n\nChannel 1: Yep. Yes.\n\nChannel 0: I do have here that you have two jobs. Is that correct? Yep. So your full time job, I have here earning 68,000.\n\nChannel 1: That's pretty much what I earned all, like, last year with both jobs.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Now with the second job as well, casual.\n\nChannel 1: Mhmm. Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: And okay. Perfect. So you would get employer contributions on both incomes, basically. Yeah. Alright.\n\nSo I can just combine the 68 then under and they both pay you the standard 12% contributions? Like, you don't have any special agreements or anything with either of them?\n\nChannel 1: Yep. No. No special agreement.\n\nChannel 0: No. Yeah. Okay. Perfect. And you are not making additional contributions to superannuation, are you?\n\nJust that from your from your\n\nChannel 1: I haven't\n\nChannel 0: employment?\n\nChannel 1: as yet. No.\n\nChannel 0: Okay. Is that something you are wanting to do?\n\nChannel 1: Eventually, but, yeah,\n\nChannel 0: Okay.\n\nChannel 1: just not at this point in time.\n\nChannel 0: No. Okay. No problem. If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and\n\nChannel 1: Yep.\n\nChannel 0: how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it. So, you know, if it is a point where you are like, okay. I'm I wanna talk about a bit more, just give us a call.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little bit\n\nChannel 1: Yeah. No. Basically, just focusing on what what we've been doing sort of thing,\n\nChannel 0: for\n\nChannel 1: really.\n\nChannel 0: you. Yep. Perfect. And I can see here that you don't have any insurances in place, and you're quite happy with that as well?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Yeah. Great. Perfect. And it doesn't look like there's anything else outstanding on on your\n\nChannel 1: Yep.\n\nChannel 0: account here, which is good. So I'll go working on this research here. Now it might take about two weeks or so to get everything together.\n\nChannel 1: Yeah. That's\n\nChannel 0: But but as soon as I do, I will give you a call and book you in for a bit of a appointment, and then we can kind of run through all of that research together, and then you can let know what you would like to\n\nChannel 1: okay. That\n\nChannel 0: do.\n\nChannel 1: sounds great.\n\nChannel 0: Mhmm. Perfect. Now, Jasmine, do you have any other questions before I let you go today otherwise?\n\nChannel 1: No. That all sounds actually\n\nChannel 0: No?\n\nChannel 1: really good. Yeah.\n\nChannel 0: Yeah. Perfect. If you do in the meantime, though, you know, don't hesitate to give me a call.\n\nChannel 1: Yes. Alright. That sounds great. Thank you so much.\n\nChannel 0: Mhmm. No problem at all. I hope you have a good afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.036508772522211075}],"sentiment":"neutral","sentiment_score":0.036508772522211075,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.27586760371923447},{"text":"Is this Jasmine?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.13382298250993094}],"sentiment":"neutral","sentiment_score":0.19064083099365234,"channel":0,"num_words":5,"start":3.4399998,"end":4.98},{"sentences":[{"text":"Speaking.","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.06143440306186676}],"sentiment":"neutral","sentiment_score":0.06143440306186676,"channel":1,"num_words":1,"start":5.3599997,"end":5.8599997},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":6.24,"end":8.42,"sentiment":"neutral","sentiment_score":0.11707955971360207},{"text":"How are you this afternoon?","start":8.48,"end":9.62,"sentiment":"neutral","sentiment_score":0.1747799336910248}],"sentiment":"neutral","sentiment_score":0.1433070024306124,"channel":0,"num_words":11,"start":6.24,"end":9.62},{"sentences":[{"text":"Good.","start":9.92,"end":10.24,"sentiment":"positive","sentiment_score":0.4963879585266114},{"text":"Thank you.","start":10.24,"end":10.639999,"sentiment":"positive","sentiment_score":0.5692501962184906},{"text":"How are you?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":0.3323340217272441}],"sentiment":"positive","sentiment_score":0.43864840269088745,"channel":1,"num_words":6,"start":9.92,"end":11.46},{"sentences":[{"text":"I'm good.","start":11.679999,"end":12.32,"sentiment":"positive","sentiment_score":0.5617299377918243},{"text":"Thanks.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.6221009492874146},{"text":"I have you booked in for a bit of a catch up.","start":13.679999,"end":15.975,"sentiment":"neutral","sentiment_score":0.3296987588206927},{"text":"Is now still a good time for you?","start":16.055,"end":17.915,"sentiment":"neutral","sentiment_score":0.31344005838036537}],"sentiment":"positive","sentiment_score":0.35693332164183905,"channel":0,"num_words":23,"start":11.679999,"end":17.915},{"sentences":[{"text":"Yeah.","start":17.935001,"end":18.175,"sentiment":"neutral","sentiment_score":0.1583249568939209},{"text":"That's fine.","start":18.175,"end":18.995,"sentiment":"neutral","sentiment_score":0.2099553719162941}],"sentiment":"neutral","sentiment_score":0.19274523357550302,"channel":1,"num_words":3,"start":17.935001,"end":18.995},{"sentences":[{"text":"Yep.","start":18.935001,"end":19.335001,"sentiment":"neutral","sentiment_score":0.15904772281646729},{"text":"Okay.","start":19.335001,"end":19.815,"sentiment":"neutral","sentiment_score":0.24751445651054385},{"text":"Perfect.","start":19.815,"end":20.315,"sentiment":"positive","sentiment_score":0.3750758767127991},{"text":"Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you.","start":20.695,"end":28.715,"sentiment":"neutral","sentiment_score":0.03941633808426559}],"sentiment":"neutral","sentiment_score":0.05837031070675169,"channel":0,"num_words":35,"start":18.935001,"end":28.715},{"sentences":[{"text":"Yep.","start":28.92,"end":29.240002,"sentiment":"neutral","sentiment_score":-0.0023864652030169964},{"text":"That's not","start":29.240002,"end":29.880001,"sentiment":"neutral","sentiment_score":-0.055394889786839485}],"sentiment":"neutral","sentiment_score":-0.037725414925565325,"channel":1,"num_words":3,"start":28.92,"end":29.880001},{"sentences":[{"text":"Yep.","start":29.735,"end":30.235,"sentiment":"neutral","sentiment_score":-0.05134354159235954}],"sentiment":"neutral","sentiment_score":-0.05134354159235954,"channel":0,"num_words":1,"start":29.735,"end":30.235},{"sentences":[{"text":"alright.","start":29.880001,"end":30.380001,"sentiment":"neutral","sentiment_score":0.046383436769247055}],"sentiment":"neutral","sentiment_score":0.046383436769247055,"channel":1,"num_words":1,"start":29.880001,"end":30.380001},{"sentences":[{"text":"Perfect.","start":30.935001,"end":31.415,"sentiment":"neutral","sentiment_score":0.17570582032203674},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":31.415,"end":37.59,"sentiment":"neutral","sentiment_score":0.054791222947339215}],"sentiment":"neutral","sentiment_score":0.059627806842327116,"channel":0,"num_words":25,"start":30.935001,"end":37.59},{"sentences":[{"text":"Jasmine Marie Headland.","start":38.995003,"end":40.355,"sentiment":"neutral","sentiment_score":0.016900110989809036},{"text":"December 1986.","start":40.355,"end":42.695,"sentiment":"neutral","sentiment_score":0.01004465389996767},{"text":"15 Irvine Road, Darren.","start":42.835,"end":44.615,"sentiment":"neutral","sentiment_score":0.018305934965610504}],"sentiment":"neutral","sentiment_score":0.016001486736867163,"channel":1,"num_words":9,"start":38.995003,"end":44.615},{"sentences":[{"text":"Yes.","start":45.09,"end":45.489998,"sentiment":"neutral","sentiment_score":0.11516690999269484},{"text":"Perfect.","start":45.489998,"end":45.89,"sentiment":"positive","sentiment_score":0.4315795600414276},{"text":"That's exactly I have here.","start":45.89,"end":47.595,"sentiment":"positive","sentiment_score":0.4095974087715149},{"text":"And how's your day been so far?","start":47.735,"end":49.175,"sentiment":"neutral","sentiment_score":0.14166950753756932},{"text":"Been busy?","start":49.175,"end":49.915,"sentiment":"neutral","sentiment_score":-0.01578718889504671}],"sentiment":"neutral","sentiment_score":0.2221778555540368,"channel":0,"num_words":16,"start":45.09,"end":49.915},{"sentences":[{"text":"It has been, but not too bad at all.","start":50.515,"end":53.095,"sentiment":"neutral","sentiment_score":0.06816444587376383}],"sentiment":"neutral","sentiment_score":0.06816444587376383,"channel":1,"num_words":9,"start":50.515,"end":53.095},{"sentences":[{"text":"Oh, that's good.","start":53.255,"end":53.895,"sentiment":"neutral","sentiment_score":0.3294808367888133},{"text":"Well, I will try not to keep you here for too long.","start":53.895,"end":56.395,"sentiment":"neutral","sentiment_score":-0.037515608904262386}],"sentiment":"neutral","sentiment_score":0.03588368023435275,"channel":0,"num_words":15,"start":53.255,"end":56.395},{"sentences":[{"text":"That's okay.","start":56.45,"end":57.27,"sentiment":"neutral","sentiment_score":0.0985361896455288}],"sentiment":"neutral","sentiment_score":0.0985361896455288,"channel":1,"num_words":2,"start":56.45,"end":57.27},{"sentences":[{"text":"Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago.","start":58.055,"end":64.1,"sentiment":"neutral","sentiment_score":0.029709568433463573},{"text":"Sorry.","start":64.1,"end":64.6,"sentiment":"neutral","sentiment_score":-0.04096353054046631}],"sentiment":"neutral","sentiment_score":0.026344182768038342,"channel":0,"num_words":21,"start":58.055,"end":64.6},{"sentences":[{"text":"Yep.","start":64.93,"end":65.355,"sentiment":"neutral","sentiment_score":0.01184671651571989}],"sentiment":"neutral","sentiment_score":0.01184671651571989,"channel":1,"num_words":1,"start":64.93,"end":65.355},{"sentences":[{"text":"And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you.","start":65.7,"end":74.2,"sentiment":"neutral","sentiment_score":0.08662291616201401}],"sentiment":"neutral","sentiment_score":0.08662291616201401,"channel":0,"num_words":33,"start":65.7,"end":74.2},{"sentences":[{"text":"Yep.","start":74.475006,"end":74.975006,"sentiment":"neutral","sentiment_score":0.02080662921071053}],"sentiment":"neutral","sentiment_score":0.02080662921071053,"channel":1,"num_words":1,"start":74.475006,"end":74.975006},{"sentences":[{"text":"Does does that still ring a bell?","start":74.979996,"end":77.365,"sentiment":"neutral","sentiment_score":-0.004130023664661816}],"sentiment":"neutral","sentiment_score":-0.004130023664661816,"channel":0,"num_words":7,"start":74.979996,"end":77.365},{"sentences":[{"text":"Yes.","start":76.955,"end":77.435005,"sentiment":"neutral","sentiment_score":0.04270558059215546},{"text":"Yep.","start":77.435005,"end":77.935005,"sentiment":"neutral","sentiment_score":0.04544229060411453}],"sentiment":"neutral","sentiment_score":0.044073935598134995,"channel":1,"num_words":2,"start":76.955,"end":77.935005},{"sentences":[{"text":"Yes.","start":77.744995,"end":78.244995,"sentiment":"neutral","sentiment_score":0.11226284503936768},{"text":"Perfect.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.1923159658908844},{"text":"So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you.","start":79.505,"end":83.985,"sentiment":"neutral","sentiment_score":0.022905069375958514},{"text":"Did you get the reports and everything like that okay as well?","start":83.985,"end":87.045,"sentiment":"neutral","sentiment_score":0.03694496427973112}],"sentiment":"neutral","sentiment_score":0.0366872439251071,"channel":0,"num_words":31,"start":77.744995,"end":87.045},{"sentences":[{"text":"I haven't received anything via email, but I have been having trouble with my emails.","start":88.81,"end":93.549995,"sentiment":"negative","sentiment_score":-0.3416600902875265}],"sentiment":"negative","sentiment_score":-0.3416600902875265,"channel":1,"num_words":15,"start":88.81,"end":93.549995},{"sentences":[{"text":"Okay.","start":94.740005,"end":95.060005,"sentiment":"neutral","sentiment_score":-0.07003600895404816},{"text":"I'll I'll follow-up with the team.","start":95.060005,"end":97.16,"sentiment":"neutral","sentiment_score":-0.00939869376209875},{"text":"But, essentially, after the the under review, there is an review pack, like, similar to the usual ones","start":97.700005,"end":105.284996,"sentiment":"neutral","sentiment_score":-0.01871721063637071}],"sentiment":"neutral","sentiment_score":-0.01853351851925254,"channel":0,"num_words":25,"start":94.740005,"end":105.284996},{"sentences":[{"text":"Yep.","start":105.585,"end":106.05,"sentiment":"neutral","sentiment_score":-0.031152060255408287}],"sentiment":"neutral","sentiment_score":-0.031152060255408287,"channel":1,"num_words":1,"start":105.585,"end":106.05},{"sentences":[{"text":"where you will get kind of a a breakdown of your performance report and","start":106.545,"end":111.025,"sentiment":"neutral","sentiment_score":0.12787724073444093}],"sentiment":"neutral","sentiment_score":0.12787724073444093,"channel":0,"num_words":14,"start":106.545,"end":111.025},{"sentences":[{"text":"Yep.","start":111.01,"end":111.51,"sentiment":"neutral","sentiment_score":0.13103604316711426}],"sentiment":"neutral","sentiment_score":0.13103604316711426,"channel":1,"num_words":1,"start":111.01,"end":111.51},{"sentences":[{"text":"the summary and and everything like that for 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you.","start":117.33,"end":119.67,"sentiment":"neutral","sentiment_score":0.05947037351628145}],"sentiment":"neutral","sentiment_score":0.0640875513411381,"channel":0,"num_words":22,"start":114.225,"end":119.67},{"sentences":[{"text":"Yep.","start":119.89,"end":120.39,"sentiment":"neutral","sentiment_score":0.08524401485919952}],"sentiment":"neutral","sentiment_score":0.08524401485919952,"channel":1,"num_words":1,"start":119.89,"end":120.39},{"sentences":[{"text":"Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially","start":121.49,"end":129.27,"sentiment":"neutral","sentiment_score":0.15216576172546906}],"sentiment":"neutral","sentiment_score":0.15216576172546906,"channel":0,"num_words":22,"start":121.49,"end":129.27},{"sentences":[{"text":"Yep.","start":128.815,"end":129.315,"sentiment":"neutral","sentiment_score":0.0569140687584877}],"sentiment":"neutral","sentiment_score":0.0569140687584877,"channel":1,"num_words":1,"start":128.815,"end":129.315},{"sentences":[{"text":"recently.","start":129.41,"end":129.81,"sentiment":"neutral","sentiment_score":0.07848946005105972},{"text":"There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well.","start":129.81,"end":136.365,"sentiment":"neutral","sentiment_score":0.03395951146052943}],"sentiment":"neutral","sentiment_score":0.035549866767334085,"channel":0,"num_words":28,"start":129.41,"end":136.365},{"sentences":[{"text":"Yes.","start":136.59,"end":137.09,"sentiment":"neutral","sentiment_score":0.16069048643112183}],"sentiment":"neutral","sentiment_score":0.16069048643112183,"channel":1,"num_words":1,"start":136.59,"end":137.09},{"sentences":[{"text":"So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you.","start":136.66501,"end":150.26,"sentiment":"neutral","sentiment_score":0.26662131535763645},{"text":"Especially because one of the investments in the portfolio, which is your Benelung Australian 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itself.","start":164.315,"end":167.355,"sentiment":"negative","sentiment_score":-0.3997400403022766},{"text":"It's just one of their","start":167.355,"end":168.555,"sentiment":"neutral","sentiment_score":-0.21935767829418182}],"sentiment":"negative","sentiment_score":-0.43871413302772183,"channel":0,"num_words":34,"start":157.44,"end":168.555},{"sentences":[{"text":"Okay.","start":168.36,"end":168.86,"sentiment":"neutral","sentiment_score":-0.1605764925479889}],"sentiment":"neutral","sentiment_score":-0.1605764925479889,"channel":1,"num_words":1,"start":168.36,"end":168.86},{"sentences":[{"text":"investments that they had in the 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group.","start":171.755,"end":174.415,"sentiment":"neutral","sentiment_score":-0.1820810983578364},{"text":"And,","start":174.555,"end":175.055,"sentiment":"neutral","sentiment_score":-0.13488981127738953}],"sentiment":"neutral","sentiment_score":-0.17533948591777257,"channel":0,"num_words":7,"start":171.755,"end":175.055},{"sentences":[{"text":"Okay.","start":174.785,"end":175.285,"sentiment":"neutral","sentiment_score":-0.13969624042510986}],"sentiment":"neutral","sentiment_score":-0.13969624042510986,"channel":1,"num_words":1,"start":174.785,"end":175.285},{"sentences":[{"text":"essentially, they were suspended from trading on the ASX.","start":176.74,"end":179.72,"sentiment":"neutral","sentiment_score":-0.2424696700440513},{"text":"So, basically, that just meant that they the valuation fluctuated and went down.","start":179.94,"end":185.22,"sentiment":"neutral","sentiment_score":-0.31857476096886855},{"text":"So they had to be 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you are like, okay.","start":644.55,"end":646.685,"sentiment":"neutral","sentiment_score":0.12385557935788082},{"text":"I'm I wanna talk about a bit more, just give us a call.","start":646.825,"end":649.48505,"sentiment":"neutral","sentiment_score":0.09723669634415553}],"sentiment":"neutral","sentiment_score":0.1897103970072099,"channel":0,"num_words":56,"start":637.59,"end":649.48505},{"sentences":[{"text":"Okay.","start":649.59,"end":650.09,"sentiment":"neutral","sentiment_score":0.23709401488304135}],"sentiment":"neutral","sentiment_score":0.23709401488304135,"channel":1,"num_words":1,"start":649.59,"end":650.09},{"sentences":[{"text":"Perfect.","start":651.305,"end":651.78503,"sentiment":"positive","sentiment_score":0.5211970210075378},{"text":"Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little 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I can see here that you don't have any insurances in place, and you're quite happy with that as well?","start":669.86,"end":674.375,"sentiment":"positive","sentiment_score":0.36660983307021006}],"sentiment":"positive","sentiment_score":0.358874786645174,"channel":0,"num_words":24,"start":668.02,"end":674.375},{"sentences":[{"text":"Yeah.","start":674.58,"end":674.9,"sentiment":"neutral","sentiment_score":0.1594872623682022},{"text":"That's 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your","start":677.155,"end":680.835,"sentiment":"neutral","sentiment_score":0.32589076707760495}],"sentiment":"positive","sentiment_score":0.3490903563797474,"channel":0,"num_words":16,"start":675.315,"end":680.835},{"sentences":[{"text":"Yep.","start":680.795,"end":681.295,"sentiment":"positive","sentiment_score":0.3421652019023895}],"sentiment":"positive","sentiment_score":0.3421652019023895,"channel":1,"num_words":1,"start":680.795,"end":681.295},{"sentences":[{"text":"account here, which is good.","start":680.835,"end":684.195,"sentiment":"positive","sentiment_score":0.4433269023895264},{"text":"So I'll go working on this research here.","start":684.195,"end":687.015,"sentiment":"neutral","sentiment_score":0.23235220275819302},{"text":"Now it might take about two weeks or so to get everything 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all.","start":719.0,"end":719.8,"sentiment":"positive","sentiment_score":0.5300468653440475},{"text":"I hope you have a good afternoon.","start":719.8,"end":721.18,"sentiment":"positive","sentiment_score":0.7096203310149056}],"sentiment":"positive","sentiment_score":0.6145650943120321,"channel":0,"num_words":12,"start":718.83997,"end":721.18},{"sentences":[{"text":"You too.","start":721.3829,"end":721.9429,"sentiment":"positive","sentiment_score":0.5105113983154297},{"text":"Thank you.","start":721.9429,"end":722.68286,"sentiment":"positive","sentiment_score":0.725492537021637}],"sentiment":"positive","sentiment_score":0.6180019676685333,"channel":1,"num_words":4,"start":721.3829,"end":722.68286},{"sentences":[{"text":"Thanks.","start":722.75995,"end":723.25995,"sentiment":"positive","sentiment_score":0.6635247468948364},{"text":"Bye.","start":723.31995,"end":723.81995,"sentiment":"positive","sentiment_score":0.40098899602890015}],"sentiment":"positive","sentiment_score":0.5322568714618683,"channel":0,"num_words":2,"start":722.75995,"end":723.81995},{"sentences":[{"text":"Bye.","start":723.7029,"end":724.2029,"sentiment":"neutral","sentiment_score":-0.08379564434289932}],"sentiment":"neutral","sentiment_score":-0.08379564434289932,"channel":1,"num_words":1,"start":723.7029,"end":724.2029}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Oakview Financial discuss the annual review being recorded and the retirement of a Benelung Australian Equities investment. The HAP 24 program is important for maximizing growth and improving investment, and the flexibility of the investment portfolio is discussed. The speaker explains the flexibility of their investment portfolio and provides recommendations for risk profiles and working longer if retirement is delayed. They will review the customer's portfolio and provide a call for further research."},"intents":{"segments":[{"text":"I have you booked in for a bit of a catch up. Is now still a good time for you? Yeah.","start_word":27,"end_word":47,"intents":[{"intent":"Set schedule","confidence_score":0.00004774117},{"intent":"Confirm availability","confidence_score":0.01841468}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start_word":91,"end_word":114,"intents":[{"intent":"Confirm identity","confidence_score":0.48689926},{"intent":"Confirm name","confidence_score":0.0041565704},{"intent":"Confirm address","confidence_score":0.07447855}]},{"text":"And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you. Yep.","start_word":188,"end_word":221,"intents":[{"intent":"Check portfolio","confidence_score":0.18009304}]},{"text":"I haven't received anything via email, but I have been having trouble with my emails.","start_word":262,"end_word":276,"intents":[{"intent":"Check email issue","confidence_score":0.009546991}]},{"text":"I'll I'll follow-up with the team. But, essentially, after the the under review, there is an review pack, like, similar to the usual ones Yep.","start_word":278,"end_word":302,"intents":[{"intent":"Follow-up with team","confidence_score":0.46893957}]},{"text":"Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially Yep. recently. There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well. Yes.","start_word":352,"end_word":403,"intents":[{"intent":"Review investments","confidence_score":0.29835618}]},{"text":"a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you. Yep.","start_word":645,"end_word":671,"intents":[{"intent":"Improve investments","confidence_score":0.7403218}]},{"text":"Now a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of Yep. a read on that.","start_word":672,"end_word":704,"intents":[{"intent":"Review newsletter","confidence_score":0.6655762}]},{"text":"So part of the research, there is Yep. basically two approaches. We can go with it depending on what's important to you, and I can consider both as well. But we've recently gone in with BlackRock, which you may have heard of. Yeah.","start_word":742,"end_word":784,"intents":[{"intent":"Discuss research","confidence_score":0.45888227}]},{"text":"But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio. Yep.","start_word":824,"end_word":844,"intents":[{"intent":"Discuss portfolio construction","confidence_score":0.084972575}]},{"text":"Now the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you. So it's, like, full full of visibility. Now Okay.","start_word":845,"end_word":902,"intents":[{"intent":"Discuss portfolio visibility and visibility","confidence_score":0.00044209883}]},{"text":"if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation. I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not.","start_word":904,"end_word":956,"intents":[{"intent":"Present recommendation","confidence_score":0.58037543}]},{"text":"Now with the SMA, it's kind of where you invest in a portfolio. And in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio. So it would just be like a name. Now Yep. you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way. Yep.","start_word":959,"end_word":1027,"intents":[{"intent":"Identify portfolio features","confidence_score":0.0023425864}]},{"text":"So with the portfolio, we have a different one so we can tailor it based on your risk profile. So Yep.","start_word":1416,"end_word":1436,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.07703528}]},{"text":"Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer?","start_word":1617,"end_word":1656,"intents":[{"intent":"Access super quickly","confidence_score":0.080579676}]},{"text":"Now part of, obviously, reviewing the super as well is just your contributions income. So I just wanna go check that with you. So Yep. Yes.","start_word":1757,"end_word":1782,"intents":[{"intent":"Review super","confidence_score":0.02563395}]},{"text":"So I can just combine the 68 then under and they both pay you the standard 12% contributions? Like, you don't have any special agreements or anything with either of them? Yep.","start_word":1849,"end_word":1880,"intents":[{"intent":"Consolidate contributions","confidence_score":0.15235506}]},{"text":"If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and Yep. how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it.","start_word":1936,"end_word":1996,"intents":[{"intent":"Discuss taxes and benefits","confidence_score":0.0006288231}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Jasmine? Speaking. This is Veronica from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1395205855369568},{"text":"Good. Thank you. How are you? I'm good. Thanks.","start_word":18,"end_word":26,"sentiment":"positive","sentiment_score":0.5019614696502686},{"text":"I have you booked in for a bit of a catch up. Is now still a good time for you? Yeah. That's fine. Yep. Okay.","start_word":27,"end_word":51,"sentiment":"neutral","sentiment_score":0.28207024931907654},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.3750758767127991},{"text":"Now just before I do go any further, I just need to let you know that our calls are being record recorded for quality and coaching purposes, if that's okay with you. Yep. That's not Yep. alright. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Jasmine Marie Headland. December 1986. 15 Irvine Road, Darren. Yes.","start_word":53,"end_word":124,"sentiment":"neutral","sentiment_score":0.03679237142205238},{"text":"Perfect. That's exactly I have here.","start_word":125,"end_word":130,"sentiment":"positive","sentiment_score":0.4029534459114074},{"text":"And how's your day been so far? Been busy? It has been, but not too bad at all. Oh, that's good. Well, I will try not to keep you here for too long. That's okay. Essentially, I have you booked in because you had your annual review with my colleague Samantha about nine days ago. Sorry. Yep. And the purpose today was just to kind of go through your portfolio a little bit and see if we wanna make some tweaks and changes to kind of improve things for you. Yep. Does does that still ring a bell? Yes. Yep. Yes. Perfect. So, yeah, basically, I'm not sure how much kind of Samantha went in through that with you. Did you get the reports and everything like that okay as well? I haven't received anything via email, but I have been having trouble with my emails. Okay. I'll I'll follow-up with the team. But, essentially, after the the under review, there is an review pack, like, similar to the usual ones Yep. where you will get kind of a a breakdown of your performance report and Yep. the summary and and everything like that for you. So Okay. I will just check check with the team if that has been sent. If not, we'll just get it resent for you. Yep. Now, obviously, as part of the the review itself, it's always good to review your investments because things are always changing, especially Yep. recently. There's obviously been a lot of a lot of things going on in the world and in the market, especially, obviously, everything within The US as well. Yes. So it is good to kind of review things because what was, you know, potentially really good a couple of years ago, even last year, there is always changes, and it is important to make sure that we review that and see if we can change things for you. Especially because one of the investments in the portfolio, which is your Benelung Australian Equities, Yep. Yep.","start_word":131,"end_word":469,"sentiment":"neutral","sentiment_score":0.06709572733283746},{"text":"now that one has kind of underperformed a little bit. So we're not super happy with the returns of that one. The biggest reason isn't really the fund itself.","start_word":470,"end_word":498,"sentiment":"negative","sentiment_score":-0.4630088806152344},{"text":"It's just one of their Okay. investments that they had in the fund Yep. was corporate travel corporate travel group. And, Okay. essentially, they were suspended from trading on the ASX. So, basically, that just meant that they the valuation fluctuated and went down. So they had to be adjusting.","start_word":499,"end_word":548,"sentiment":"neutral","sentiment_score":-0.23927851021289823},{"text":"So because of that, it's of gone down.","start_word":549,"end_word":556,"sentiment":"negative","sentiment_score":-0.3482346534729004},{"text":"So I wanna look look at doing some research and swap that one out for you, if appropriate, to something that's doing a little bit better for you. Because Yep.","start_word":557,"end_word":586,"sentiment":"neutral","sentiment_score":0.116152323782444},{"text":"the goal is obviously making sure that we can maximize that growth for you and get you to where you want to be ultimately.","start_word":587,"end_word":610,"sentiment":"positive","sentiment_score":0.5236330032348633},{"text":"Yep.","start_word":611,"end_word":611,"sentiment":"neutral","sentiment_score":0.29372739791870117},{"text":"So the good thing with HAP 24 is it does allow us to do a lot of that.","start_word":612,"end_word":629,"sentiment":"positive","sentiment_score":0.5530376434326172},{"text":"So Yeah. if Yep.","start_word":630,"end_word":633,"sentiment":"neutral","sentiment_score":0.141021728515625},{"text":"you're happy for me to do so, I'll Yeah. have Absolutely. a bit of perfect, more kind of an in-depth into those investments to try to make sure we can improve that a little bit for you.","start_word":634,"end_word":670,"sentiment":"positive","sentiment_score":0.5864501595497131},{"text":"Yep. Now a part of that as well is I'm not sure if you got our latest newsletter at all sent out or if you had a bit of Yep. a read on that. Yep. I did Yeah. I have got it. I just haven't been able to actually sit down and have a proper look at it yet. K. No. That's okay. I'm just basically letting you know as well. So part of the research, there is Yep. basically two approaches. We can go with it depending on what's important to you, and I can consider both as well. But we've recently gone in with BlackRock, which you may have heard of. Yeah. Yep. Yeah. So they're massive. So we've just launched an SMA with them, Yep. which is basically a self managed account. I'm not sure if you're quite familiar with the concept and how things work. Not really. No. No. But, essentially, it is that we our investment committee work with their investment committee to kind of construct different portfolio. Yep. Now the the really good thing with the SMA is that it works a little bit different that, let's say, if you will log in to hub 24 at the moment, yours is like a model portfolio, so you can see all the individual investments in there for you.","start_word":671,"end_word":893,"sentiment":"neutral","sentiment_score":0.10611188411712646},{"text":"So it's, like, full full of visibility.","start_word":894,"end_word":900,"sentiment":"positive","sentiment_score":0.4601517617702484},{"text":"Now Okay. Yep. if we wanna, you know, change anything, so for example, in this instance with with Benelung, I would go and do the research, come up with a recommendation. I'll present the recommendation to you, and then you would let me know if you are happy to go ahead with the case or not. Yep. Okay. Now with the SMA, it's kind of where you invest in a portfolio. And in that portfolio so, like, if you log in, you would just see that it's a as a as a portfolio. So it would just be like a name. Now Yep. you can kind of go under it and do actually see the individual investment, but it's not as much visibility in that way. Yep. So you basically just invest in the portfolio.","start_word":901,"end_word":1035,"sentiment":"neutral","sentiment_score":0.13790817233147443},{"text":"The the good thing with it is that it gives us and BlackRock together the flexibility of changing investments really easily because you are invested in the portfolio itself, not in the individual investment.","start_word":1036,"end_word":1069,"sentiment":"positive","sentiment_score":0.40240535140037537},{"text":"So Okay. if something happens and we just see one investment not going to do really well, Yep. we don't have to then go through the whole lengthy compliance research documents and present it to you, which obviously prolongs the time frame a little bit. We Yes. can just Yep. completely swap that out. You still get notified of the the change, but we would do just go ahead and do that if we think it's going to be the best for you. So it speeds up the process. Yep. So you kind of have a bit more of the the active management to it. They're in Yep. the kind of other side if you don't have, you know, as that, I guess, visibility, and you don't have to, you know, tell us yes or no. So Yep. if Okay. if that's something that you are, you know, comfortable with looking at Yeah. that That's option fine. yep. Yep.","start_word":1070,"end_word":1228,"sentiment":"neutral","sentiment_score":0.12072828412055968},{"text":"Perfect.","start_word":1229,"end_word":1229,"sentiment":"positive","sentiment_score":0.4960394501686096},{"text":"So I'll I'll have a lot of, look at both, obviously, making sure, you know, the fees and the returns and stuff like that. Yep.","start_word":1230,"end_word":1254,"sentiment":"neutral","sentiment_score":0.23932556807994845},{"text":"But the real cool thing with the estimate is that it does gives us that flexibility that we can do that very quickly because Yep. things do change very quickly in the market. Very good.","start_word":1255,"end_word":1289,"sentiment":"positive","sentiment_score":0.5452666878700256},{"text":"Yes. So, obviously, we don't day trade your super. It's not what we do. So we obviously invest in a good quality investment. But if there is one industry or something, you know, a sector or one part of the world where something's changing, we can easily stop and change things for you very quickly.","start_word":1290,"end_word":1344,"sentiment":"neutral","sentiment_score":0.043133159659125585},{"text":"Yep. So that's a really good thing.","start_word":1345,"end_word":1351,"sentiment":"positive","sentiment_score":0.6559377312660217},{"text":"So I'll have a little bit look at that for you, though. Before, you know, if it is that it's going to be good, I'll still run through the the research and f y with you, Okay. and Yep. then you can let me know what you would like to do. Okay. But I can go ahead and do all of that for you. So with the portfolio, we have a different one so we can tailor it based on your risk profile. So Yep. at the moment, we have you in a high growth portfolio. So Yep. that is where you do have about 90% allocated to your growth investment. So Mhmm. you have your Australian shares, international shares, and new property and commodities, and that is Yep. what's going through, you know, give Yep. you that growth. And then you do have about 10% in defensive investments, like your cash, your gold, your fixed interest, limit fluctuations a little bit. But Yep. the main focus is to grow that as much as possible because you do have plenty of time on overtime. Yeah. Yeah. So are you quite comfortable with that same level of fluctuations and risk profile as you currently have, Yeah. No. I think I think it's pretty pretty okay. So yeah. No. That should be fine. Yep. know, fluctuations short term Yeah. in That's order to fine. achieve yeah. Okay.","start_word":1352,"end_word":1586,"sentiment":"neutral","sentiment_score":0.13675209879875183},{"text":"Perfect.","start_word":1587,"end_word":1587,"sentiment":"positive","sentiment_score":0.5290001034736633},{"text":"Yep. I'll have a look at your high growth options there for you. Now part of the research as well, I'll do a bit of forecasting as well. Now at the moment, it might be hard to know, but do you know if you wanna access super as soon as you can at the age of 60, or do you think you'd wanna work a little bit longer? In all honesty, I actually don't know. I I would probably try and work for a bit longer, but Yep. Like, yeah. 60 Like, I can't five. really guarantee that either. No. Yeah. That's okay. Yep. I'll just put between 60 and 65. Yep. Just plenty of time. There's enough time in there for the fluctuations, Yep. so that's really And I have here as well that when you do retire, you ideally would like to draw a weekly income of about thousand dollars for you Yep. from your superannuation. That's still, you know, the same? Yeah. Yep. Yep.","start_word":1588,"end_word":1754,"sentiment":"neutral","sentiment_score":0.0859554186463356},{"text":"Alright. Perfect.","start_word":1755,"end_word":1756,"sentiment":"positive","sentiment_score":0.4630608558654785},{"text":"Now part of, obviously, reviewing the super as well is just your contributions income. So I just wanna go check that with you. So Yep. Yes. I do have here that you have two jobs. Is that correct? Yep. So your full time job, I have here earning 68,000. That's pretty much what I earned all, like, last year with both jobs. Okay. Yeah. Now with the second job as well, casual. Mhmm. Yeah. Yeah. Yes. Yeah. And okay.","start_word":1757,"end_word":1835,"sentiment":"neutral","sentiment_score":0.1500154584646225},{"text":"Perfect.","start_word":1836,"end_word":1836,"sentiment":"positive","sentiment_score":0.34091025590896606},{"text":"So you would get employer contributions on both incomes, basically. Yeah. Alright. So I can just combine the 68 then under and they both pay you the standard 12% contributions? Like, you don't have any special agreements or anything with either of them? Yep. No. No special agreement. No. Yeah. Okay. Perfect. And you are not making additional contributions to superannuation, are you? Just that from your from your I haven't employment? as yet. No. Okay. Is that something you are wanting to do? Eventually, but, yeah, Okay. just not at this point in time. No. Okay. No problem. If it is a situation where you do want to, so you can always just give us a call, and we can kind of run through the different options and Yep. how that works and, you know, how that would save on tax and how that would take you know, affect your take home pay depending on how you do it. So, you know, if it is a point where you are like, okay. I'm I wanna talk about a bit more, just give us a call. Okay.","start_word":1837,"end_word":2023,"sentiment":"neutral","sentiment_score":0.09381669536631376},{"text":"Perfect.","start_word":2024,"end_word":2024,"sentiment":"positive","sentiment_score":0.5211970210075378},{"text":"Now is there anything else you would like me to research for you, or is it mainly just kind of focusing on that super and making sure it's you know, we can improve the returns a a little bit Yeah. No. Basically, just focusing on what what we've been doing sort of for thing, really. you. Yep.","start_word":2025,"end_word":2081,"sentiment":"neutral","sentiment_score":0.17717474699020386},{"text":"Perfect. And I can see here that you don't have any insurances in place, and you're quite happy with that as well?","start_word":2082,"end_word":2103,"sentiment":"positive","sentiment_score":0.36747053265571594},{"text":"Yeah. That's fine. Yeah. Yeah.","start_word":2104,"end_word":2108,"sentiment":"neutral","sentiment_score":0.2272038161754608},{"text":"Great. Perfect.","start_word":2109,"end_word":2110,"sentiment":"positive","sentiment_score":0.5625598430633545},{"text":"And it doesn't look like there's anything else outstanding on on your Yep.","start_word":2111,"end_word":2123,"sentiment":"neutral","sentiment_score":0.33142906427383423},{"text":"account here, which is good.","start_word":2124,"end_word":2128,"sentiment":"positive","sentiment_score":0.4364595413208008},{"text":"So I'll go working on this research here. Now it might take about two weeks or so to get everything together. Yeah. That's But but as soon as I do, I will give you a call and book you in for a bit of a appointment, and then we can kind of run through all of that research together, and then you can let know what you would like to okay.","start_word":2129,"end_word":2199,"sentiment":"neutral","sentiment_score":0.13889910280704498},{"text":"That do. sounds great.","start_word":2200,"end_word":2203,"sentiment":"positive","sentiment_score":0.42603203654289246},{"text":"Mhmm. Perfect. Now, Jasmine, do you have any other questions before I let you go today otherwise? No. That all sounds actually No? really good. Yeah. Yeah. Perfect. If you do in the meantime, though, you know, don't hesitate to give me a call. Yes. Alright.","start_word":2204,"end_word":2249,"sentiment":"neutral","sentiment_score":0.1310240924358368},{"text":"That sounds great. Thank you so much.","start_word":2250,"end_word":2256,"sentiment":"positive","sentiment_score":0.8768582940101624},{"text":"Mhmm.","start_word":2257,"end_word":2257,"sentiment":"neutral","sentiment_score":0.287251353263855},{"text":"No problem at all. I hope you have a good afternoon. You too. Thank you. Thanks. Bye.","start_word":2258,"end_word":2274,"sentiment":"positive","sentiment_score":0.6107261776924133},{"text":"Bye.","start_word":2275,"end_word":2275,"sentiment":"neutral","sentiment_score":0.2680535912513733}],"average":{"sentiment":"neutral","sentiment_score":0.13617644176531687}}}}