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So what I'll do is I have just sent you an email with some documents to run through with you. But before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So kind of just bear with me as I go through this information. I will try to make it quick for you so you don't have to stay in the car for too long. Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence. Is that correct? Yes. Perfect. And I have next of kin nominated Andrew Gilbert. Is that still the case as well? Yep. Perfect. And his phone number hasn't changed, still ends with 176? Yep. Perfect. Now when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker? Perfect. Working full time? Yes. Perfect. And do you enjoy it? Yeah. Well, pays the bill and at least enjoy the work. But yeah. You can't really choose who you work with that time. Now I have income here at 85,000. Is that still roughly the case? Yep. Yep. Perfect. And now I have here as well the employer does pay 12% contribution into super, so just like that standard. And you're not currently making any extra contributions. That's all correct as well? Yep. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 5,000. Is that still the case as well? Yep. Perfect. And you didn't have anything going on that one, do you? Perfect. Do you have any other assets, any other motor vehicles or boats or motorbikes or savings in the bank or anything else? Yeah. Do you have any liabilities, any personal loans or credit card or ZipPay? Okay. And with the personal lines, do you owe roughly how much is owing on that one? About 14. Perfect. And the two credit cards, do you know roughly, like, combined that would be left on those? Yep. Okay. Perfect. Anything else we haven't gone through? No. Great. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still okay? Yep. Perfect. And have you had any changes to your health or injuries or anything in the last twelve months? Nope. That's good. And do you have private health insurance? No. And when it comes to a state planning, do you have a will in place or a power of attorney? No. No. And when it comes to also your your superannuation, it doesn't look like we have a a beneficiary form received from you yet. So in the event that something would've happened to you, who you want to nominate to receive your superannuation, Do you remember seeing those forms in the post or anything? Yeah. Do you still have them, or would you like us to resend them to you? Yep. Yep. No. That's all good. Perfect. Do you have access to a printer otherwise? Yeah. Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you. That way, you do have a a copy of it. It's just because you are making a legal nomination. It just has to be printed and web signed. Would you be okay with the a printed version? Yes. Okay. I'll get the team to send that to you, and we can get that sorted. And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know. Yeah. Perfect. Now when it comes to our guest goals, stuff that you're working towards that you are wanting to achieve, Last time when we did speak to you, your your main focus was to kind of go on a bit of a trip up North Queensland to show your your partner, and then also start saving for a house. Is that still kind of on the agenda for you? Did you guys end up doing the trip? Oh, yeah. Oh, I'm sorry to hear that. It okay. Is he okay? Okay. That's good, though. Okay. Yeah. No. That's totally fine. So planning another holiday to go see them. Yep. Oh, congratulations. That's exciting. Yeah. Oh, that's how old is she? Oh, yeah. No. That's very good. Yeah. Yeah. Okay. Yep. And then yeah. Sorry? It's it's a bit of a it's a bit of a distance, isn't it? And from aside from, obviously, family, are you still kind of planning on trying to save up for for a property? Is that still kind of, I guess, like, a bit more medium to long term goal? Yes. Yes. Yep. Yeah. Okay. So just kind of focusing at the moment to clear out any debt and then following that, maybe property. The main focus now is to kind of clear out the the personal loan and the credit card? Yes. Great. Perfect. Anything else that you are working towards or you're wanting to achieve otherwise? No? Okay. And I do have here as well when it comes to superannuation that you are planning on, at this stage anyway, retire at the age of 67. Is that still kind of the plan? Or do you think you'd wanna retire earlier? Okay. Well, hopefully, you can enjoy super and your life well before that as well and that you do make it well past 65. Okay. Perfect. Do you want me to update your goals? So, like, when you so because with superannuation, if you do decide to stop working, you can access your super on the current legislation at the age of 60. 60 five, otherwise, if you keep working, you can access everything tax free or 67 if you're eligible for each pension. And the reason I do ask as well is because we're trying to obviously do, you know, research and stuff on your super and trying to get you as close to your goals as possible when you do retire. So would you like me to change it to 65 or happy with 67? Sixty seven. Perfect. And an ideal income per week of around 800? That seem doable? Yeah. Or do you want me to change it? How much do you think you will need to still, you know, live comfortably? Yeah. It's I'll update it to a thousand, and that's honestly what most people say right now. And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky. But most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement. So I'll just change that to about 1,000 per week because that's what most people does as well. Okay. Perfect. Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation. So think of these questions in regards to your superannuation. Okay? Yep. Perfect. Now have you ever bought direct shares yourself? On, like, the stock market, have you ever bought shares into a company? Okay. You don't have any at the moment? No. Alright. Perfect. Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing. Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yes. You did. Alright. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not one particular investment, just the market as a whole. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped. Yeah. Okay. So potentially invest a little bit more pending opportunities. Yep. Perfect. And when it comes to superannuation fluctuating or any assets, really, if you saw your superannuation, for example, fall in value, how would that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious? Yep. So kind of a bit more anxious if you saw it fluctuate a lot. Yep. Yes. No. And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property? Would you consider taking out a loan to buy properties for yourself? Yes. Okay. Perfect. Now, Steven, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Do you remember what a growth investor is at all? Yeah. Kind of. So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement. But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that. So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive. So kind of somewhere where you're focusing on growth, just not high growth or, you know, super high. And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets. So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation. And then we do have about 20% in defensive investment. So that will be, like, your cash, your gold, your fixed interest, a little bit. And when we are talking about a time frame, so making sure you have enough time in the market for those fluctuations. We typically want to allow at least six years until retirement in a growth portfolio. Now does that all make sense, and are you still happy to remain in that growth portfolio? Yep. Perfect. Now the last thing here is just to kind of go through a couple of documents and see what's happened in the last twelve months. But do you have access to your emails at the moment, or is it a bit tricky? Okay. Perfect. So what I have done is I have just sent you an email with some documents. Sometimes it ends up in the spam folder as well. Yes. That's the one. So it might look a little bit different to what you are used to before because we have recently changed the software. But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments? Yes. That's the one. Yep. So if you can open that one for me, the super and insurance summary first, that'll be good. Just let me know when you can see that one. Okay? That's okay. Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them. And then when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier. And then if you have any questions, you can just give me a callback. Is that okay? Yeah. Perfect. Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation. So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there. Now you also have your c bus insurance and super that was kind of kept open to keep your insurances. So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows me to do is just to get some updated information and research on your super just so that I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you. So I will get the team to send that to you as well over email. And if you can when you have the option to do so, just print that, sign it, and send it back to me. I will then send it off to see that, do some research on the account. And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth. I'll present it all to you, and then you can let me know if you are happy with the change or not at the end. Does that make sense? Yeah. Perfect. Now sometimes it does take a little bit for C Bus to lower that. So what I might do is I'll wait for you to return the TPA. As soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that. Is that okay? Yep. Perfect. Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report. That one does break down your individual investments and how they have performed over the last twelve months. Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well. So in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market. Yes. Yes. So it's very much also with did send you a statement or anything recently? Yeah. Sorry. I will review that for you as well. So part of the research is I can look at how the money is invested in CBA. Now they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that. We obviously wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus. And if we do wanna change it to something else to to put this, you know, a little bit better. So I will look at that when I do research things for you as well just to see. And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change. Just do a bit more deep dive into the investments because things are always changing. And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from. And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position. So when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you. Yep. Perfect. Now, otherwise, you will see in the email, you will see a financial services guide and their services guide. You would have seen this before. It's just a bit of an updated document. It's one of those compliance forms, but everything you need to know about us is in there. Nothing has really changed in terms of the important information. There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice. And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents. Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super. No changes in regards to that. And as per usual, there's no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, signing this allows you to remain on as a client, and we can keep that. Yep. And the last one, Em, is just a compliance form. It's just a tax file number form just to say that we are keeping your tax file number secure on file. Now, Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward? Yep. Okay. Perfect. Well, I will, let you go so you don't have to sit in your car. Like I said, I will get the team to send you an email with that TPA for CBA. So as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account. Okay. Perfect. Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again. No problem at all. We'll speak soon, Steven. Bye. 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Steven. It's Veronica. How are you? Got all sorted now? Yeah.\n\nPerfect. Now are you driving at the moment? No. Okay. Perfect.\n\nSo what I'll do is I have just sent you an email with some documents to run through with you. But before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So kind of just bear with me as I go through this information. I will try to make it quick for you so you don't have to stay in the car for too long. Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence.\n\nIs that correct? Yes. Perfect. And I have next of kin nominated Andrew Gilbert. Is that still the case as well?\n\nYep. Perfect. And his phone number hasn't changed, still ends with 176? Yep. Perfect.\n\nNow when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker? Perfect. Working full time? Yes. Perfect.\n\nAnd do you enjoy it? Yeah. Well, pays the bill and at least enjoy the work. But yeah. You can't really choose who you work with that time.\n\nNow I have income here at 85,000. Is that still roughly the case? Yep. Yep. Perfect.\n\nAnd now I have here as well the employer does pay 12% contribution into super, so just like that standard. And you're not currently making any extra contributions. That's all correct as well? Yep. Perfect.\n\nNow when it comes to assets and liabilities, I have here a motor vehicle ride at about 5,000. Is that still the case as well? Yep. Perfect. And you didn't have anything going on that one, do you?\n\nPerfect. Do you have any other assets, any other motor vehicles or boats or motorbikes or savings in the bank or anything else? Yeah. Do you have any liabilities, any personal loans or credit card or ZipPay? Okay.\n\nAnd with the personal lines, do you owe roughly how much is owing on that one? About 14. Perfect. And the two credit cards, do you know roughly, like, combined that would be left on those? Yep.\n\nOkay. Perfect. Anything else we haven't gone through? No. Great.\n\nNow when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still okay? Yep. Perfect. And have you had any changes to your health or injuries or anything in the last twelve months?\n\nNope. That's good. And do you have private health insurance? No. And when it comes to a state planning, do you have a will in place or a power of attorney?\n\nNo. No. And when it comes to also your your superannuation, it doesn't look like we have a a beneficiary form received from you yet. So in the event that something would've happened to you, who you want to nominate to receive your superannuation, Do you remember seeing those forms in the post or anything? Yeah.\n\nDo you still have them, or would you like us to resend them to you? Yep. Yep. No. That's all good.\n\nPerfect. Do you have access to a printer otherwise? Yeah. Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you. That way, you do have a a copy of it.\n\nIt's just because you are making a legal nomination. It just has to be printed and web signed. Would you be okay with the a printed version? Yes. Okay.\n\nI'll get the team to send that to you, and we can get that sorted. And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know. Yeah. Perfect. Now when it comes to our guest goals, stuff that you're working towards that you are wanting to achieve, Last time when we did speak to you, your your main focus was to kind of go on a bit of a trip up North Queensland to show your your partner, and then also start saving for a house.\n\nIs that still kind of on the agenda for you? Did you guys end up doing the trip? Oh, yeah. Oh, I'm sorry to hear that. It okay.\n\nIs he okay? Okay. That's good, though. Okay. Yeah.\n\nNo. That's totally fine. So planning another holiday to go see them. Yep. Oh, congratulations.\n\nThat's exciting. Yeah. Oh, that's how old is she? Oh, yeah. No.\n\nThat's very good. Yeah. Yeah. Okay. Yep.\n\nAnd then yeah. Sorry? It's it's a bit of a it's a bit of a distance, isn't it? And from aside from, obviously, family, are you still kind of planning on trying to save up for for a property? Is that still kind of, I guess, like, a bit more medium to long term goal?\n\nYes. Yes. Yep. Yeah. Okay.\n\nSo just kind of focusing at the moment to clear out any debt and then following that, maybe property. The main focus now is to kind of clear out the the personal loan and the credit card? Yes. Great. Perfect.\n\nAnything else that you are working towards or you're wanting to achieve otherwise? No? Okay. And I do have here as well when it comes to superannuation that you are planning on, at this stage anyway, retire at the age of 67. Is that still kind of the plan?\n\nOr do you think you'd wanna retire earlier? Okay. Well, hopefully, you can enjoy super and your life well before that as well and that you do make it well past 65. Okay. Perfect.\n\nDo you want me to update your goals? So, like, when you so because with superannuation, if you do decide to stop working, you can access your super on the current legislation at the age of 60. 60 five, otherwise, if you keep working, you can access everything tax free or 67 if you're eligible for each pension. And the reason I do ask as well is because we're trying to obviously do, you know, research and stuff on your super and trying to get you as close to your goals as possible when you do retire. So would you like me to change it to 65 or happy with 67?\n\nSixty seven. Perfect. And an ideal income per week of around 800? That seem doable? Yeah.\n\nOr do you want me to change it? How much do you think you will need to still, you know, live comfortably? Yeah. It's I'll update it to a thousand, and that's honestly what most people say right now. And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky.\n\nBut most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement. So I'll just change that to about 1,000 per week because that's what most people does as well. Okay. Perfect. Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation.\n\nSo think of these questions in regards to your superannuation. Okay? Yep. Perfect. Now have you ever bought direct shares yourself?\n\nOn, like, the stock market, have you ever bought shares into a company? Okay. You don't have any at the moment? No. Alright.\n\nPerfect. Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing. Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yes.\n\nYou did. Alright. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not one particular investment, just the market as a whole.\n\nWould you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped. Yeah. Okay. So potentially invest a little bit more pending opportunities. Yep.\n\nPerfect. And when it comes to superannuation fluctuating or any assets, really, if you saw your superannuation, for example, fall in value, how would that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious? Yep. So kind of a bit more anxious if you saw it fluctuate a lot.\n\nYep. Yes. No. And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property? Would you consider taking out a loan to buy properties for yourself?\n\nYes. Okay. Perfect. Now, Steven, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Do you remember what a growth investor is at all?\n\nYeah. Kind of. So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement. But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that. So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive.\n\nSo kind of somewhere where you're focusing on growth, just not high growth or, you know, super high. And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets. So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation. And then we do have about 20% in defensive investment. So that will be, like, your cash, your gold, your fixed interest, a little bit.\n\nAnd when we are talking about a time frame, so making sure you have enough time in the market for those fluctuations. We typically want to allow at least six years until retirement in a growth portfolio. Now does that all make sense, and are you still happy to remain in that growth portfolio? Yep. Perfect.\n\nNow the last thing here is just to kind of go through a couple of documents and see what's happened in the last twelve months. But do you have access to your emails at the moment, or is it a bit tricky? Okay. Perfect. So what I have done is I have just sent you an email with some documents.\n\nSometimes it ends up in the spam folder as well. Yes. That's the one. So it might look a little bit different to what you are used to before because we have recently changed the software. But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments?\n\nYes. That's the one. Yep. So if you can open that one for me, the super and insurance summary first, that'll be good. Just let me know when you can see that one.\n\nOkay? That's okay. Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them. And then when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier. And then if you have any questions, you can just give me a callback.\n\nIs that okay? Yeah. Perfect. Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation. So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there.\n\nNow you also have your c bus insurance and super that was kind of kept open to keep your insurances. So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows me to do is just to get some updated information and research on your super just so that I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you.\n\nSo I will get the team to send that to you as well over email. And if you can when you have the option to do so, just print that, sign it, and send it back to me. I will then send it off to see that, do some research on the account. And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth. I'll present it all to you, and then you can let me know if you are happy with the change or not at the end.\n\nDoes that make sense? Yeah. Perfect. Now sometimes it does take a little bit for C Bus to lower that. So what I might do is I'll wait for you to return the TPA.\n\nAs soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that. Is that okay? Yep. Perfect. Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report.\n\nThat one does break down your individual investments and how they have performed over the last twelve months. Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well. So in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market. Yes. Yes.\n\nSo it's very much also with did send you a statement or anything recently? Yeah. Sorry. I will review that for you as well. So part of the research is I can look at how the money is invested in CBA.\n\nNow they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that. We obviously wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus. And if we do wanna change it to something else to to put this, you know, a little bit better. So I will look at that when I do research things for you as well just to see. And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change.\n\nJust do a bit more deep dive into the investments because things are always changing. And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from. And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position. So when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you. Yep.\n\nPerfect. Now, otherwise, you will see in the email, you will see a financial services guide and their services guide. You would have seen this before. It's just a bit of an updated document. It's one of those compliance forms, but everything you need to know about us is in there.\n\nNothing has really changed in terms of the important information. There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice. And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents. Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super.\n\nNo changes in regards to that. And as per usual, there's no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, signing this allows you to remain on as a client, and we can keep that. Yep.\n\nAnd the last one, Em, is just a compliance form. It's just a tax file number form just to say that we are keeping your tax file number secure on file. Now, Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward? Yep. Okay.\n\nPerfect. Well, I will, let you go so you don't have to sit in your car. Like I said, I will get the team to send you an email with that TPA for CBA. So as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account. Okay.\n\nPerfect. Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again. No problem at all. We'll speak soon, Steven. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":1.12,"end":1.76,"sentiment":"neutral","sentiment_score":0.15674153715372086},{"text":"It's Veronica.","start":1.76,"end":2.5,"sentiment":"neutral","sentiment_score":0.1708364263176918},{"text":"How are you?","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.22455860674381256},{"text":"Got all sorted now?","start":5.68,"end":7.06,"sentiment":"neutral","sentiment_score":0.20950963720679283},{"text":"Yeah.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.18194237351417544}],"sentiment":"neutral","sentiment_score":0.1957343891263008,"num_words":12,"start":1.12,"end":8.98},{"sentences":[{"text":"Perfect.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.4792669415473938},{"text":"Now are you driving at the moment?","start":11.44,"end":14.259999,"sentiment":"neutral","sentiment_score":0.10853598745805877},{"text":"No.","start":15.825,"end":16.325,"sentiment":"neutral","sentiment_score":-0.06303556263446808},{"text":"Okay.","start":17.105,"end":17.605,"sentiment":"neutral","sentiment_score":0.12600398063659668},{"text":"Perfect.","start":17.744999,"end":18.244999,"sentiment":"positive","sentiment_score":0.3391740024089813}],"sentiment":"neutral","sentiment_score":0.14919647946953773,"num_words":11,"start":9.04,"end":18.244999},{"sentences":[{"text":"So what I'll do is I have just sent you an email with some documents to run through with you.","start":19.505,"end":25.525,"sentiment":"neutral","sentiment_score":0.150861606746912},{"text":"But before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all.","start":26.145,"end":37.699997,"sentiment":"neutral","sentiment_score":0.019945343826399294},{"text":"So kind of just bear with me as I go through this information.","start":39.135002,"end":42.115,"sentiment":"neutral","sentiment_score":0.10362102578465755},{"text":"I will try to make it quick for you so you don't have to stay in the car for too long.","start":42.575,"end":46.595,"sentiment":"neutral","sentiment_score":0.11382442836960156},{"text":"Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence.","start":48.335,"end":57.68,"sentiment":"neutral","sentiment_score":0.10349867015105227}],"sentiment":"neutral","sentiment_score":0.08327281386591494,"num_words":120,"start":19.505,"end":57.68},{"sentences":[{"text":"Is that correct?","start":57.82,"end":58.64,"sentiment":"neutral","sentiment_score":0.09118087341388066},{"text":"Yes.","start":60.14,"end":60.54,"sentiment":"neutral","sentiment_score":0.1508520245552063},{"text":"Perfect.","start":60.54,"end":61.04,"sentiment":"neutral","sentiment_score":0.3176059126853943},{"text":"And I have next of kin nominated Andrew Gilbert.","start":61.82,"end":66.0,"sentiment":"neutral","sentiment_score":0.18914593425061968},{"text":"Is that still the case as well?","start":66.14,"end":67.92,"sentiment":"neutral","sentiment_score":0.13972398745162146}],"sentiment":"neutral","sentiment_score":0.1629705656142462,"num_words":21,"start":57.82,"end":67.92},{"sentences":[{"text":"Yep.","start":69.454994,"end":69.954994,"sentiment":"neutral","sentiment_score":0.1265079528093338},{"text":"Perfect.","start":70.174995,"end":70.674995,"sentiment":"neutral","sentiment_score":0.20000621676445007},{"text":"And his phone number hasn't changed, still ends with 176?","start":71.055,"end":75.395,"sentiment":"neutral","sentiment_score":0.05808834955096245},{"text":"Yep.","start":77.935,"end":78.335,"sentiment":"neutral","sentiment_score":0.056732796132564545},{"text":"Perfect.","start":78.335,"end":78.835,"sentiment":"neutral","sentiment_score":0.1103823184967041}],"sentiment":"neutral","sentiment_score":0.07675091283661979,"num_words":14,"start":69.454994,"end":78.835},{"sentences":[{"text":"Now when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker?","start":79.295,"end":85.93,"sentiment":"neutral","sentiment_score":0.022013042418455534},{"text":"Perfect.","start":90.95,"end":91.45,"sentiment":"neutral","sentiment_score":0.17182090878486633},{"text":"Working full time?","start":91.75,"end":93.05,"sentiment":"neutral","sentiment_score":0.1406470090150833},{"text":"Yes.","start":94.39,"end":94.79,"sentiment":"neutral","sentiment_score":0.1652965247631073},{"text":"Perfect.","start":94.79,"end":95.19,"sentiment":"neutral","sentiment_score":0.2827892303466797}],"sentiment":"neutral","sentiment_score":0.05450480800521161,"num_words":28,"start":79.295,"end":95.19},{"sentences":[{"text":"And do you enjoy it?","start":95.19,"end":96.409996,"sentiment":"neutral","sentiment_score":0.22446816563606262},{"text":"Yeah.","start":102.454994,"end":102.854996,"sentiment":"neutral","sentiment_score":0.028905672952532768},{"text":"Well, pays the bill and at least enjoy the work.","start":102.854996,"end":105.015,"sentiment":"neutral","sentiment_score":0.14009046629071237},{"text":"But yeah.","start":105.015,"end":105.674995,"sentiment":"neutral","sentiment_score":-0.02908923104405403},{"text":"You can't really choose who you work with that time.","start":106.534996,"end":108.875,"sentiment":"neutral","sentiment_score":-0.10139950104057789}],"sentiment":"neutral","sentiment_score":0.0528563461266458,"num_words":28,"start":95.19,"end":108.875},{"sentences":[{"text":"Now I have income here at 85,000.","start":110.340004,"end":112.98,"sentiment":"neutral","sentiment_score":-0.031105344582881247},{"text":"Is that still roughly the case?","start":112.98,"end":114.5,"sentiment":"neutral","sentiment_score":-0.01360832496235768},{"text":"Yep.","start":114.5,"end":115.0,"sentiment":"neutral","sentiment_score":0.04061480239033699},{"text":"Yep.","start":116.58,"end":117.06,"sentiment":"neutral","sentiment_score":0.1418185532093048},{"text":"Perfect.","start":117.06,"end":117.56,"sentiment":"neutral","sentiment_score":0.2507078945636749}],"sentiment":"neutral","sentiment_score":0.00835961801931262,"num_words":16,"start":110.340004,"end":117.56},{"sentences":[{"text":"And now I have here as well the employer does pay 12% contribution into super, so just like that standard.","start":118.9,"end":125.634995,"sentiment":"neutral","sentiment_score":0.13031405061483384},{"text":"And you're not currently making any extra contributions.","start":126.335,"end":128.995,"sentiment":"neutral","sentiment_score":0.009812802542001009},{"text":"That's all correct as well?","start":129.135,"end":130.515,"sentiment":"neutral","sentiment_score":0.08445397466421127},{"text":"Yep.","start":132.095,"end":132.595,"sentiment":"neutral","sentiment_score":0.1574171483516693},{"text":"Perfect.","start":132.815,"end":133.315,"sentiment":"neutral","sentiment_score":0.2519380450248718}],"sentiment":"neutral","sentiment_score":0.1004688142665795,"num_words":35,"start":118.9,"end":133.315},{"sentences":[{"text":"Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 5,000.","start":133.6,"end":139.28,"sentiment":"neutral","sentiment_score":0.047667089125348464},{"text":"Is that still the case as well?","start":139.28,"end":140.90001,"sentiment":"neutral","sentiment_score":0.017306523663657054},{"text":"Yep.","start":142.96,"end":143.36,"sentiment":"neutral","sentiment_score":0.21034662425518036},{"text":"Perfect.","start":143.36,"end":143.68001,"sentiment":"positive","sentiment_score":0.5600057244300842},{"text":"And you didn't have anything going on that one, do you?","start":143.68001,"end":146.1,"sentiment":"neutral","sentiment_score":0.10044577074321834}],"sentiment":"neutral","sentiment_score":0.07511602886217206,"num_words":38,"start":133.6,"end":146.1},{"sentences":[{"text":"Perfect.","start":147.655,"end":148.155,"sentiment":"neutral","sentiment_score":0.19611702859401703},{"text":"Do you have any other assets, any other motor vehicles or boats or motorbikes or savings in the bank or anything else?","start":148.375,"end":155.83499,"sentiment":"neutral","sentiment_score":0.03901472789320079},{"text":"Yeah.","start":161.03,"end":161.53,"sentiment":"neutral","sentiment_score":-0.005393035709857941},{"text":"Do you have any liabilities, any personal loans or credit card or ZipPay?","start":162.87,"end":167.93,"sentiment":"neutral","sentiment_score":-0.011399529731044402},{"text":"Okay.","start":172.33499,"end":172.735,"sentiment":"neutral","sentiment_score":0.01306708063930273}],"sentiment":"neutral","sentiment_score":0.024050557912376366,"num_words":38,"start":147.655,"end":172.735},{"sentences":[{"text":"And with the personal lines, do you owe roughly how much is owing on that one?","start":172.735,"end":176.755,"sentiment":"neutral","sentiment_score":-0.00047869497211650014},{"text":"About 14.","start":180.895,"end":181.69499,"sentiment":"neutral","sentiment_score":0.017944753635674715},{"text":"Perfect.","start":181.69499,"end":182.19499,"sentiment":"neutral","sentiment_score":0.13991263508796692},{"text":"And the two credit cards, do you know roughly, like, combined that would be left on those?","start":182.83,"end":187.65,"sentiment":"neutral","sentiment_score":0.03256061344462283},{"text":"Yep.","start":190.98999,"end":191.31,"sentiment":"neutral","sentiment_score":0.07199461758136749}],"sentiment":"neutral","sentiment_score":0.02145048834987589,"num_words":37,"start":172.735,"end":191.31},{"sentences":[{"text":"Okay.","start":191.31,"end":191.63,"sentiment":"neutral","sentiment_score":0.11424438655376434},{"text":"Perfect.","start":191.63,"end":192.13,"sentiment":"neutral","sentiment_score":0.26669037342071533},{"text":"Anything else we haven't gone through?","start":192.27,"end":194.05,"sentiment":"neutral","sentiment_score":0.07570390403270721},{"text":"No.","start":194.685,"end":195.185,"sentiment":"neutral","sentiment_score":-0.14382751286029816},{"text":"Great.","start":197.965,"end":198.465,"sentiment":"positive","sentiment_score":0.4165496528148651}],"sentiment":"neutral","sentiment_score":0.11078803241252899,"num_words":10,"start":191.31,"end":198.465},{"sentences":[{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":198.845,"end":203.905,"sentiment":"neutral","sentiment_score":0.13297850405797362},{"text":"Is that still okay?","start":204.36499,"end":205.505,"sentiment":"neutral","sentiment_score":0.10456184484064579},{"text":"Yep.","start":207.26,"end":207.42,"sentiment":"neutral","sentiment_score":0.08667799085378647},{"text":"Perfect.","start":207.42,"end":207.81999,"sentiment":"neutral","sentiment_score":0.24675491452217105},{"text":"And have you had any changes to your health or injuries or anything in the last twelve months?","start":207.81999,"end":213.68,"sentiment":"neutral","sentiment_score":0.04098174824482865}],"sentiment":"neutral","sentiment_score":0.09042519545182585,"num_words":40,"start":198.845,"end":213.68},{"sentences":[{"text":"Nope.","start":215.9,"end":216.3,"sentiment":"neutral","sentiment_score":0.02749631367623806},{"text":"That's good.","start":216.3,"end":217.01999,"sentiment":"neutral","sentiment_score":0.18840645253658295},{"text":"And do you have private health insurance?","start":217.01999,"end":218.72,"sentiment":"neutral","sentiment_score":0.007863394117781095},{"text":"No.","start":220.63501,"end":221.13501,"sentiment":"neutral","sentiment_score":-0.03290583938360214},{"text":"And when it comes to a state planning, do you have a will in place or a power of attorney?","start":221.835,"end":227.93501,"sentiment":"neutral","sentiment_score":-0.01794693889096379}],"sentiment":"neutral","sentiment_score":0.0021776890442256006,"num_words":31,"start":215.9,"end":227.93501},{"sentences":[{"text":"No.","start":230.55501,"end":231.035,"sentiment":"neutral","sentiment_score":-0.09519752860069276},{"text":"No.","start":231.035,"end":231.535,"sentiment":"neutral","sentiment_score":-0.07043953239917755},{"text":"And when it comes to also your your superannuation, it doesn't look like we have a a beneficiary form received from you yet.","start":231.675,"end":241.26,"sentiment":"neutral","sentiment_score":-0.022662278021807255},{"text":"So in the event that something would've happened to you, who you want to nominate to receive your superannuation, Do you remember seeing those forms in the post or anything?","start":241.26,"end":252.045,"sentiment":"neutral","sentiment_score":0.014899871156861385},{"text":"Yeah.","start":256.025,"end":256.525,"sentiment":"neutral","sentiment_score":0.03940601274371147}],"sentiment":"neutral","sentiment_score":-0.0035797733580693603,"num_words":56,"start":230.55501,"end":256.525},{"sentences":[{"text":"Do you still have them, or would you like us to resend them to you?","start":256.745,"end":260.205,"sentiment":"neutral","sentiment_score":0.013156495553751786},{"text":"Yep.","start":261.72,"end":262.22,"sentiment":"neutral","sentiment_score":0.014091391116380692},{"text":"Yep.","start":263.08,"end":263.58,"sentiment":"neutral","sentiment_score":-0.020604390650987625},{"text":"No.","start":266.36,"end":266.68,"sentiment":"neutral","sentiment_score":-0.09539903700351716},{"text":"That's all good.","start":266.68,"end":267.74,"sentiment":"neutral","sentiment_score":-0.008835136890411377}],"sentiment":"neutral","sentiment_score":0.0032823802903294555,"num_words":21,"start":256.745,"end":267.74},{"sentences":[{"text":"Perfect.","start":270.6,"end":271.1,"sentiment":"neutral","sentiment_score":-0.009963447228074074},{"text":"Do you have access to a printer otherwise?","start":271.96,"end":273.98,"sentiment":"neutral","sentiment_score":0.010980214574374259},{"text":"Yeah.","start":275.695,"end":276.195,"sentiment":"neutral","sentiment_score":0.12337798625230788},{"text":"Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you.","start":277.05502,"end":284.73502,"sentiment":"neutral","sentiment_score":0.2782860484815413},{"text":"That way, you do have a a copy of it.","start":284.73502,"end":287.375,"sentiment":"neutral","sentiment_score":0.2868876427412033}],"sentiment":"neutral","sentiment_score":0.2293529448227263,"num_words":51,"start":270.6,"end":287.375},{"sentences":[{"text":"It's just because you are making a legal nomination.","start":287.375,"end":289.55502,"sentiment":"neutral","sentiment_score":0.1765435751941469},{"text":"It just has to be printed and web signed.","start":290.21,"end":292.37,"sentiment":"neutral","sentiment_score":0.11297810574372609},{"text":"Would you be okay with the a printed version?","start":292.37,"end":294.71,"sentiment":"neutral","sentiment_score":0.10655305700169669},{"text":"Yes.","start":296.37,"end":296.77002,"sentiment":"neutral","sentiment_score":0.146058589220047},{"text":"Okay.","start":296.77002,"end":297.27002,"sentiment":"neutral","sentiment_score":0.20228344202041623}],"sentiment":"neutral","sentiment_score":0.13493154043781347,"num_words":29,"start":287.375,"end":297.27002},{"sentences":[{"text":"I'll get the team to send that to you, and we can get that sorted.","start":297.41,"end":301.65,"sentiment":"neutral","sentiment_score":0.27469541629155475},{"text":"And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know.","start":301.65,"end":309.10498,"sentiment":"neutral","sentiment_score":0.19857504591345787},{"text":"Yeah.","start":311.405,"end":311.805,"sentiment":"positive","sentiment_score":0.38460591435432434},{"text":"Perfect.","start":311.805,"end":312.305,"sentiment":"positive","sentiment_score":0.5846460461616516},{"text":"Now when it comes to our guest goals, stuff that you're working towards that you are wanting to achieve, Last time when we did speak to you, your your main focus was to kind of go on a bit of a trip up North Queensland to show your your partner, and then also start saving for a house.","start":312.60498,"end":333.03,"sentiment":"neutral","sentiment_score":0.2037740326647101}],"sentiment":"neutral","sentiment_score":0.21893311314510577,"num_words":99,"start":297.41,"end":333.03},{"sentences":[{"text":"Is that still kind of on the agenda for you?","start":333.415,"end":336.23502,"sentiment":"neutral","sentiment_score":0.12259824201464653},{"text":"Did you guys end up doing the trip?","start":336.295,"end":338.075,"sentiment":"neutral","sentiment_score":0.032239492516964674},{"text":"Oh, yeah.","start":343.89502,"end":344.555,"sentiment":"neutral","sentiment_score":-0.04722463712096214},{"text":"Oh, I'm sorry to hear that.","start":347.03,"end":348.41,"sentiment":"neutral","sentiment_score":-0.04970253693560759},{"text":"It okay.","start":348.99,"end":350.55,"sentiment":"neutral","sentiment_score":0.010817518457770348}],"sentiment":"neutral","sentiment_score":0.03974531790507691,"num_words":28,"start":333.415,"end":350.55},{"sentences":[{"text":"Is he okay?","start":350.55,"end":351.61,"sentiment":"neutral","sentiment_score":0.011834169427553812},{"text":"Okay.","start":354.94998,"end":355.44998,"sentiment":"neutral","sentiment_score":-0.03556646406650543},{"text":"That's good, though.","start":356.22998,"end":357.28998,"sentiment":"neutral","sentiment_score":-0.20396399994691214},{"text":"Okay.","start":358.29498,"end":358.79498,"sentiment":"neutral","sentiment_score":-0.018651440739631653},{"text":"Yeah.","start":359.01498,"end":359.51498,"sentiment":"neutral","sentiment_score":-0.014808141626417635}],"sentiment":"neutral","sentiment_score":-0.07171283755451441,"num_words":9,"start":350.55,"end":359.51498},{"sentences":[{"text":"No.","start":361.655,"end":361.735,"sentiment":"neutral","sentiment_score":-0.025590211153030396},{"text":"That's totally fine.","start":361.735,"end":363.115,"sentiment":"neutral","sentiment_score":0.044332017501195274},{"text":"So planning another holiday to go see them.","start":363.655,"end":367.835,"sentiment":"neutral","sentiment_score":0.10088709183037281},{"text":"Yep.","start":373.35,"end":373.85,"sentiment":"neutral","sentiment_score":0.0993807539343834},{"text":"Oh, congratulations.","start":375.75,"end":376.73,"sentiment":"positive","sentiment_score":0.47848720848560333}],"sentiment":"neutral","sentiment_score":0.13139051645994188,"num_words":15,"start":361.655,"end":376.73},{"sentences":[{"text":"That's exciting.","start":377.27,"end":378.17,"sentiment":"positive","sentiment_score":0.5589631795883179},{"text":"Yeah.","start":381.67,"end":382.17,"sentiment":"neutral","sentiment_score":-0.010289192199707031},{"text":"Oh, that's how old is she?","start":382.23,"end":383.835,"sentiment":"neutral","sentiment_score":-0.01907972851768136},{"text":"Oh, yeah.","start":387.275,"end":387.755,"sentiment":"neutral","sentiment_score":0.00410956796258688},{"text":"No.","start":387.755,"end":388.255,"sentiment":"neutral","sentiment_score":0.013786084949970244}],"sentiment":"neutral","sentiment_score":0.08459700139549871,"num_words":12,"start":377.27,"end":388.255},{"sentences":[{"text":"That's very good.","start":388.555,"end":389.615,"sentiment":"neutral","sentiment_score":0.12480721374352773},{"text":"Yeah.","start":392.155,"end":392.47498,"sentiment":"neutral","sentiment_score":0.03709892928600311},{"text":"Yeah.","start":392.47498,"end":392.79498,"sentiment":"neutral","sentiment_score":0.03340666741132736},{"text":"Okay.","start":392.79498,"end":393.19498,"sentiment":"neutral","sentiment_score":0.020073676481842995},{"text":"Yep.","start":393.19498,"end":393.69498,"sentiment":"neutral","sentiment_score":0.007457987871021032}],"sentiment":"neutral","sentiment_score":0.06749412889725395,"num_words":7,"start":388.555,"end":393.69498},{"sentences":[{"text":"And then yeah.","start":393.91498,"end":395.675,"sentiment":"neutral","sentiment_score":-0.011947263653079668},{"text":"Sorry?","start":395.675,"end":396.175,"sentiment":"neutral","sentiment_score":-0.05464225262403488},{"text":"It's it's a bit of a it's a bit of a distance, isn't it?","start":398.19998,"end":401.02,"sentiment":"neutral","sentiment_score":-0.0733715555231486},{"text":"And from aside from, obviously, family, are you still kind of planning on trying to save up for for a property?","start":405.4,"end":413.995,"sentiment":"neutral","sentiment_score":0.017802147638230098},{"text":"Is that still kind of, I guess, like, a bit more medium to long term goal?","start":414.055,"end":417.435,"sentiment":"neutral","sentiment_score":0.051392611232586205}],"sentiment":"neutral","sentiment_score":0.0014262010766701264,"num_words":55,"start":393.91498,"end":417.435},{"sentences":[{"text":"Yes.","start":425.43002,"end":425.93002,"sentiment":"neutral","sentiment_score":0.15088185667991638},{"text":"Yes.","start":426.47,"end":426.97,"sentiment":"neutral","sentiment_score":0.16639642417430878},{"text":"Yep.","start":429.03,"end":429.43002,"sentiment":"neutral","sentiment_score":0.08908538520336151},{"text":"Yeah.","start":429.43002,"end":429.67,"sentiment":"neutral","sentiment_score":0.094261534512043},{"text":"Okay.","start":429.67,"end":429.99002,"sentiment":"neutral","sentiment_score":0.09409162402153017}],"sentiment":"neutral","sentiment_score":0.11894336491823196,"num_words":5,"start":425.43002,"end":429.99002},{"sentences":[{"text":"So just kind of focusing at the moment to clear out any debt and then following that, maybe property.","start":429.99002,"end":435.91,"sentiment":"neutral","sentiment_score":0.11382430086010381},{"text":"The main focus now is to kind of clear out the the personal loan and the credit card?","start":435.91,"end":440.215,"sentiment":"neutral","sentiment_score":0.08559968508780003},{"text":"Yes.","start":440.215,"end":440.535,"sentiment":"neutral","sentiment_score":0.12401701509952544},{"text":"Great.","start":440.535,"end":441.035,"sentiment":"positive","sentiment_score":0.5378121733665466},{"text":"Perfect.","start":441.655,"end":442.155,"sentiment":"positive","sentiment_score":0.48237669467926025}],"sentiment":"neutral","sentiment_score":0.12119154827669262,"num_words":40,"start":429.99002,"end":442.155},{"sentences":[{"text":"Anything else that you are working towards or you're wanting to achieve otherwise?","start":442.29498,"end":446.07498,"sentiment":"neutral","sentiment_score":0.19586761868917024},{"text":"No?","start":448.29498,"end":448.695,"sentiment":"neutral","sentiment_score":-0.08880068361759186},{"text":"Okay.","start":448.695,"end":449.16,"sentiment":"neutral","sentiment_score":-0.009499870240688324},{"text":"And I do have here as well when it comes to superannuation that you are planning on, at this stage anyway, retire at the age of 67.","start":449.4,"end":457.82,"sentiment":"neutral","sentiment_score":0.02610127493325207},{"text":"Is that still kind of the plan?","start":457.96,"end":459.82,"sentiment":"neutral","sentiment_score":0.018324838685137883}],"sentiment":"neutral","sentiment_score":0.06695891394070824,"num_words":49,"start":442.29498,"end":459.82},{"sentences":[{"text":"Or do you think you'd wanna retire earlier?","start":465.175,"end":467.35498,"sentiment":"neutral","sentiment_score":0.004590063195792027},{"text":"Okay.","start":472.055,"end":472.555,"sentiment":"neutral","sentiment_score":0.016745351254940033},{"text":"Well, hopefully, you can enjoy super and your life well before that as well and that you do make it well past 65.","start":473.095,"end":481.93,"sentiment":"neutral","sentiment_score":0.22802971821764242},{"text":"Okay.","start":484.47,"end":484.95,"sentiment":"neutral","sentiment_score":0.17599540948867798},{"text":"Perfect.","start":484.95,"end":485.43,"sentiment":"neutral","sentiment_score":0.21793973445892337}],"sentiment":"neutral","sentiment_score":0.16741425058160744,"num_words":34,"start":465.175,"end":485.43},{"sentences":[{"text":"Do you want me to update your goals?","start":485.43,"end":487.19,"sentiment":"neutral","sentiment_score":0.09361961530521512},{"text":"So, like, when you so because with superannuation, if you do decide to stop working, you can access your super on the current legislation at the age of 60.","start":487.19,"end":495.515,"sentiment":"neutral","sentiment_score":0.0498172761551265},{"text":"60 five, otherwise, if you keep working, you can access everything tax free or 67 if you're eligible for each pension.","start":496.375,"end":502.875,"sentiment":"neutral","sentiment_score":0.11857381640445619},{"text":"And the reason I do ask as well is because we're trying to obviously do, you know, research and stuff on your super and trying to get you as close to your goals as possible when you do retire.","start":503.94,"end":513.16003,"sentiment":"neutral","sentiment_score":0.14623870585973447},{"text":"So would you like me to change it to 65 or happy with 67?","start":513.62,"end":518.04004,"sentiment":"neutral","sentiment_score":0.12988295698804514}],"sentiment":"neutral","sentiment_score":0.10995836938555176,"num_words":111,"start":485.43,"end":518.04004},{"sentences":[{"text":"Sixty seven.","start":520.71497,"end":521.515,"sentiment":"neutral","sentiment_score":0.18708033859729767},{"text":"Perfect.","start":521.515,"end":522.015,"sentiment":"positive","sentiment_score":0.6571284532546997},{"text":"And an ideal income per week of around 800?","start":522.475,"end":526.015,"sentiment":"neutral","sentiment_score":0.24735570947329202},{"text":"That seem doable?","start":527.035,"end":528.175,"sentiment":"neutral","sentiment_score":0.18942716717720032},{"text":"Yeah.","start":530.235,"end":530.635,"sentiment":"neutral","sentiment_score":0.09079785645008089}],"sentiment":"neutral","sentiment_score":0.24478561710566282,"num_words":16,"start":520.71497,"end":530.635},{"sentences":[{"text":"Or do you want me to change it?","start":530.635,"end":532.815,"sentiment":"neutral","sentiment_score":0.06224495591595769},{"text":"How much do you think you will need to still, you know, live comfortably?","start":534.09,"end":537.95,"sentiment":"neutral","sentiment_score":0.066711800172925},{"text":"Yeah.","start":546.42505,"end":546.825,"sentiment":"neutral","sentiment_score":0.06712120771408081},{"text":"It's I'll update it to a thousand, and that's honestly what most people say right now.","start":546.825,"end":550.265,"sentiment":"neutral","sentiment_score":0.09113654610700905},{"text":"And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky.","start":550.265,"end":557.885,"sentiment":"neutral","sentiment_score":-0.043375457695219666}],"sentiment":"neutral","sentiment_score":0.02210163590039166,"num_words":71,"start":530.635,"end":557.885},{"sentences":[{"text":"But most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement.","start":558.42505,"end":566.82996,"sentiment":"neutral","sentiment_score":0.03054546970216667},{"text":"So I'll just change that to about 1,000 per week because that's what most people does as well.","start":567.85,"end":573.645,"sentiment":"neutral","sentiment_score":0.0881461716360516},{"text":"Okay.","start":574.525,"end":575.005,"sentiment":"neutral","sentiment_score":0.23515915870666504},{"text":"Perfect.","start":575.005,"end":575.505,"sentiment":"positive","sentiment_score":0.4718659520149231},{"text":"Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation.","start":576.205,"end":586.065,"sentiment":"neutral","sentiment_score":0.08207852486521006}],"sentiment":"neutral","sentiment_score":0.07901035726376593,"num_words":73,"start":558.42505,"end":586.065},{"sentences":[{"text":"So think of these questions in regards to your superannuation.","start":587.25995,"end":590.48,"sentiment":"neutral","sentiment_score":0.04096245057880878},{"text":"Okay?","start":590.77997,"end":591.27997,"sentiment":"neutral","sentiment_score":0.026879694312810894},{"text":"Yep.","start":592.69995,"end":593.1,"sentiment":"neutral","sentiment_score":0.0610215924680233},{"text":"Perfect.","start":593.1,"end":593.6,"sentiment":"neutral","sentiment_score":0.23154066503047943},{"text":"Now have you ever bought direct shares yourself?","start":594.62,"end":598.0,"sentiment":"neutral","sentiment_score":0.0368948036339134}],"sentiment":"neutral","sentiment_score":0.048772613650986125,"num_words":21,"start":587.25995,"end":598.0},{"sentences":[{"text":"On, like, the stock market, have you ever bought shares into a company?","start":602.955,"end":606.815,"sentiment":"neutral","sentiment_score":0.009698190511419224},{"text":"Okay.","start":613.53,"end":614.03,"sentiment":"neutral","sentiment_score":-0.03989578038454056},{"text":"You don't have any at the moment?","start":614.09,"end":615.63,"sentiment":"neutral","sentiment_score":-0.09174886345863342},{"text":"No.","start":616.89,"end":617.39,"sentiment":"neutral","sentiment_score":-0.14449509978294373},{"text":"Alright.","start":618.89,"end":619.37,"sentiment":"neutral","sentiment_score":-0.04292948171496391}],"sentiment":"neutral","sentiment_score":-0.03232547519323618,"num_words":23,"start":602.955,"end":619.37},{"sentences":[{"text":"Perfect.","start":619.37,"end":619.87,"sentiment":"neutral","sentiment_score":0.0318673811852932},{"text":"Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing.","start":622.09,"end":628.115,"sentiment":"neutral","sentiment_score":-0.14451869683606283},{"text":"Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term?","start":628.815,"end":640.435,"sentiment":"neutral","sentiment_score":-0.10896910102786245},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":641.02997,"end":650.64996,"sentiment":"neutral","sentiment_score":-0.07599889130696007},{"text":"Yes.","start":654.40497,"end":654.805,"sentiment":"neutral","sentiment_score":0.12254129350185394}],"sentiment":"neutral","sentiment_score":-0.10064058314616743,"num_words":76,"start":619.37,"end":654.805},{"sentences":[{"text":"You did.","start":654.805,"end":655.545,"sentiment":"neutral","sentiment_score":0.13539906963706017},{"text":"Alright.","start":656.485,"end":656.885,"sentiment":"neutral","sentiment_score":0.18439379334449768},{"text":"Perfect.","start":656.885,"end":657.385,"sentiment":"neutral","sentiment_score":0.04990658536553383},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":658.325,"end":673.74,"sentiment":"neutral","sentiment_score":-0.28937046974897385},{"text":"So not one particular investment, just the market as a whole.","start":673.74,"end":677.04004,"sentiment":"neutral","sentiment_score":-0.2129283439029347}],"sentiment":"neutral","sentiment_score":-0.2421356814228139,"num_words":53,"start":654.805,"end":677.04004},{"sentences":[{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped.","start":677.58,"end":696.15,"sentiment":"neutral","sentiment_score":-0.0576819692666714},{"text":"Yeah.","start":704.37006,"end":704.77,"sentiment":"neutral","sentiment_score":0.039921678602695465},{"text":"Okay.","start":704.77,"end":705.09,"sentiment":"neutral","sentiment_score":0.09527955204248428},{"text":"So potentially invest a little bit more pending opportunities.","start":705.09,"end":708.31,"sentiment":"neutral","sentiment_score":0.1993381761842304},{"text":"Yep.","start":710.375,"end":710.875,"sentiment":"neutral","sentiment_score":0.2897292971611023}],"sentiment":"neutral","sentiment_score":-0.01987472582947124,"num_words":77,"start":677.58,"end":710.875},{"sentences":[{"text":"Perfect.","start":711.01495,"end":711.51495,"sentiment":"positive","sentiment_score":0.4605590105056762},{"text":"And when it comes to superannuation fluctuating or any assets, really, if you saw your superannuation, for example, fall in value, how would that make you feel?","start":714.45496,"end":727.72,"sentiment":"neutral","sentiment_score":0.1321743111367579},{"text":"Would you say optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious?","start":727.86,"end":739.24,"sentiment":"neutral","sentiment_score":0.08463668742257616},{"text":"Yep.","start":744.08496,"end":744.58496,"sentiment":"neutral","sentiment_score":-0.11881046742200851},{"text":"So kind of a bit more anxious if you saw it fluctuate a lot.","start":745.76495,"end":748.96497,"sentiment":"neutral","sentiment_score":-0.28797120600938797}],"sentiment":"neutral","sentiment_score":0.027659119247938648,"num_words":66,"start":711.01495,"end":748.96497},{"sentences":[{"text":"Yep.","start":748.96497,"end":749.46497,"sentiment":"neutral","sentiment_score":0.02146303653717041},{"text":"Yes.","start":755.01996,"end":755.51996,"sentiment":"neutral","sentiment_score":-0.015509504824876784},{"text":"No.","start":755.57996,"end":756.07996,"sentiment":"neutral","sentiment_score":-0.06395173072814941},{"text":"And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property?","start":758.22,"end":766.07996,"sentiment":"neutral","sentiment_score":-0.023923211815682324},{"text":"Would you consider taking out a loan to buy properties for yourself?","start":772.195,"end":776.135,"sentiment":"neutral","sentiment_score":-0.008508265018463135}],"sentiment":"neutral","sentiment_score":-0.018551568626552016,"num_words":37,"start":748.96497,"end":776.135},{"sentences":[{"text":"Yes.","start":778.275,"end":778.71,"sentiment":"neutral","sentiment_score":0.0829126238822937},{"text":"Okay.","start":778.95,"end":779.45,"sentiment":"neutral","sentiment_score":0.16722311079502106},{"text":"Perfect.","start":779.51,"end":780.01,"sentiment":"neutral","sentiment_score":0.3017770051956177},{"text":"Now, Steven, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.","start":781.27,"end":790.57,"sentiment":"neutral","sentiment_score":0.1583601713180542},{"text":"Do you remember what a growth investor is at all?","start":790.79004,"end":793.605,"sentiment":"neutral","sentiment_score":0.09052547477185727}],"sentiment":"neutral","sentiment_score":0.14253083606691738,"num_words":38,"start":778.275,"end":793.605},{"sentences":[{"text":"Yeah.","start":799.605,"end":799.925,"sentiment":"neutral","sentiment_score":0.10460683703422546},{"text":"Kind of.","start":799.925,"end":800.32495,"sentiment":"neutral","sentiment_score":0.10430709645152092},{"text":"So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement.","start":800.32495,"end":808.63,"sentiment":"neutral","sentiment_score":0.20727551196302688},{"text":"But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that.","start":810.29004,"end":816.95,"sentiment":"neutral","sentiment_score":0.20366922511081947},{"text":"So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive.","start":817.17004,"end":822.52496,"sentiment":"neutral","sentiment_score":0.09807266216529043}],"sentiment":"neutral","sentiment_score":0.17173958294417546,"num_words":69,"start":799.605,"end":822.52496},{"sentences":[{"text":"So kind of somewhere where you're focusing on growth, just not high growth or, you know, super high.","start":822.52496,"end":827.825,"sentiment":"neutral","sentiment_score":0.18485446646809578},{"text":"And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets.","start":828.365,"end":838.95,"sentiment":"neutral","sentiment_score":0.2422147779553025},{"text":"So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation.","start":839.41,"end":847.11,"sentiment":"positive","sentiment_score":0.3784744767915635},{"text":"And then we do have about 20% in defensive investment.","start":848.13,"end":852.695,"sentiment":"neutral","sentiment_score":0.2709023967385292},{"text":"So that will be, like, your cash, your gold, your fixed interest, a little bit.","start":853.235,"end":857.415,"sentiment":"neutral","sentiment_score":0.2790247400601705}],"sentiment":"neutral","sentiment_score":0.2715333899135118,"num_words":91,"start":822.52496,"end":857.415},{"sentences":[{"text":"And when we are talking about a time frame, so making sure you have enough time in the market for those fluctuations.","start":859.555,"end":866.35004,"sentiment":"neutral","sentiment_score":0.15359557115218855},{"text":"We typically want to allow at least six years until retirement in a growth portfolio.","start":867.29004,"end":872.27,"sentiment":"neutral","sentiment_score":0.17959072738885878},{"text":"Now does that all make sense, and are you still happy to remain in that growth portfolio?","start":873.45,"end":878.83,"sentiment":"neutral","sentiment_score":0.2572171495241277},{"text":"Yep.","start":880.955,"end":881.435,"sentiment":"neutral","sentiment_score":0.29584813117980957},{"text":"Perfect.","start":881.435,"end":881.935,"sentiment":"positive","sentiment_score":0.523134171962738}],"sentiment":"neutral","sentiment_score":0.2011542378791741,"num_words":56,"start":859.555,"end":881.935},{"sentences":[{"text":"Now the last thing here is just to kind of go through a couple of documents and see what's happened in the last twelve months.","start":883.275,"end":889.935,"sentiment":"neutral","sentiment_score":0.09092724606394768},{"text":"But do you have access to your emails at the moment, or is it a bit tricky?","start":890.15497,"end":894.65497,"sentiment":"neutral","sentiment_score":-0.08848646020188052},{"text":"Okay.","start":897.14,"end":897.64,"sentiment":"neutral","sentiment_score":0.137595996260643},{"text":"Perfect.","start":897.94,"end":898.44,"sentiment":"neutral","sentiment_score":0.2855129837989807},{"text":"So what I have done is I have just sent you an email with some documents.","start":898.5,"end":903.4,"sentiment":"neutral","sentiment_score":0.041436757892370224}],"sentiment":"neutral","sentiment_score":0.030916807241737843,"num_words":60,"start":883.275,"end":903.4},{"sentences":[{"text":"Sometimes it ends up in the spam folder as well.","start":904.42004,"end":907.64,"sentiment":"neutral","sentiment_score":-0.08529357425868511},{"text":"Yes.","start":922.36,"end":922.76,"sentiment":"neutral","sentiment_score":0.05388675630092621},{"text":"That's the one.","start":922.76,"end":923.66,"sentiment":"neutral","sentiment_score":0.04359012718002001},{"text":"So it might look a little bit different to what you are used to before because we have recently changed the software.","start":923.8,"end":929.33997,"sentiment":"neutral","sentiment_score":-0.01962112762372602},{"text":"But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments?","start":930.51996,"end":938.80505,"sentiment":"neutral","sentiment_score":0.02578441118416579}],"sentiment":"neutral","sentiment_score":-0.008591558563254647,"num_words":59,"start":904.42004,"end":938.80505},{"sentences":[{"text":"Yes.","start":950.95996,"end":951.36,"sentiment":"neutral","sentiment_score":0.21341702342033383},{"text":"That's the one.","start":951.36,"end":952.0,"sentiment":"neutral","sentiment_score":0.253452201684316},{"text":"Yep.","start":952.0,"end":952.5,"sentiment":"neutral","sentiment_score":0.3166756331920624},{"text":"So if you can open that one for me, the super and insurance summary first, that'll be good.","start":952.63995,"end":957.54,"sentiment":"positive","sentiment_score":0.3667396754026413},{"text":"Just let me know when you can see that one.","start":965.77496,"end":967.77496,"sentiment":"neutral","sentiment_score":0.18936265408992767}],"sentiment":"neutral","sentiment_score":0.2965269684791565,"num_words":33,"start":950.95996,"end":967.77496},{"sentences":[{"text":"Okay?","start":967.77496,"end":968.27496,"sentiment":"neutral","sentiment_score":0.16307717561721802},{"text":"That's okay.","start":979.79,"end":980.61,"sentiment":"neutral","sentiment_score":0.2210199534893036},{"text":"Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them.","start":994.04504,"end":1000.04,"sentiment":"neutral","sentiment_score":-0.005368882169326146},{"text":"And then when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier.","start":1000.5,"end":1006.36,"sentiment":"neutral","sentiment_score":0.08559967276568596},{"text":"And then if you have any questions, you can just give me a callback.","start":1006.98,"end":1009.62,"sentiment":"neutral","sentiment_score":0.11758770261492048}],"sentiment":"neutral","sentiment_score":0.0681904669618234,"num_words":64,"start":967.77496,"end":1009.62},{"sentences":[{"text":"Is that okay?","start":1009.62,"end":1010.44,"sentiment":"neutral","sentiment_score":0.10515490919351578},{"text":"Yeah.","start":1011.715,"end":1012.115,"sentiment":"positive","sentiment_score":0.3773883581161499},{"text":"Perfect.","start":1012.115,"end":1012.615,"sentiment":"positive","sentiment_score":0.6795846223831177},{"text":"Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation.","start":1013.315,"end":1021.815,"sentiment":"neutral","sentiment_score":0.30988736550013224},{"text":"So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there.","start":1022.03503,"end":1031.89,"sentiment":"neutral","sentiment_score":0.17845391286046883}],"sentiment":"neutral","sentiment_score":0.2603645003228276,"num_words":54,"start":1009.62,"end":1031.89},{"sentences":[{"text":"Now you also have your c bus insurance and super that was kind of kept open to keep your insurances.","start":1032.35,"end":1039.0901,"sentiment":"neutral","sentiment_score":0.07140956241637468},{"text":"So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you.","start":1040.425,"end":1048.265,"sentiment":"neutral","sentiment_score":0.00308751031756401},{"text":"Now C Bus also needs that to be wet signed.","start":1048.265,"end":1051.9651,"sentiment":"neutral","sentiment_score":0.002713001519441605},{"text":"So in the email with the beneficiary forms, if you don't mind, I will send a new TPA.","start":1052.21,"end":1057.91,"sentiment":"neutral","sentiment_score":0.0820365043150054},{"text":"All that allows me to do is just to get some updated information and research on your super just so that I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you.","start":1058.61,"end":1077.66,"sentiment":"neutral","sentiment_score":0.301154384513696}],"sentiment":"neutral","sentiment_score":0.1584844298492697,"num_words":133,"start":1032.35,"end":1077.66},{"sentences":[{"text":"So I will get the team to send that to you as well over email.","start":1078.14,"end":1083.6,"sentiment":"neutral","sentiment_score":0.29716857671737673},{"text":"And if you can when you have the option to do so, just print that, sign it, and send it back to me.","start":1084.38,"end":1090.9601,"sentiment":"neutral","sentiment_score":0.19839052855968475},{"text":"I will then send it off to see that, do some research on the account.","start":1091.4049,"end":1095.825,"sentiment":"neutral","sentiment_score":0.23266185224056243},{"text":"And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth.","start":1096.0449,"end":1106.82,"sentiment":"neutral","sentiment_score":0.20095164630864118},{"text":"I'll present it all to you, and then you can let me know if you are happy with the change or not at the end.","start":1107.38,"end":1113.5599,"sentiment":"neutral","sentiment_score":0.24971521109342576}],"sentiment":"neutral","sentiment_score":0.22772634593041047,"num_words":115,"start":1078.14,"end":1113.5599},{"sentences":[{"text":"Does that make sense?","start":1115.22,"end":1116.2799,"sentiment":"neutral","sentiment_score":0.12102008238434792},{"text":"Yeah.","start":1117.62,"end":1117.94,"sentiment":"neutral","sentiment_score":0.2397039234638214},{"text":"Perfect.","start":1117.94,"end":1118.44,"sentiment":"positive","sentiment_score":0.3612288236618042},{"text":"Now sometimes it does take a little bit for C Bus to lower that.","start":1119.345,"end":1122.705,"sentiment":"neutral","sentiment_score":-0.13102181362254278},{"text":"So what I might do is I'll wait for you to return the TPA.","start":1122.705,"end":1126.085,"sentiment":"neutral","sentiment_score":-0.05598675087094307}],"sentiment":"neutral","sentiment_score":-0.04509137724252308,"num_words":34,"start":1115.22,"end":1126.085},{"sentences":[{"text":"As soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that.","start":1126.865,"end":1138.14,"sentiment":"neutral","sentiment_score":0.1719535879398647},{"text":"Is that okay?","start":1138.14,"end":1139.0399,"sentiment":"neutral","sentiment_score":0.11737396071354549},{"text":"Yep.","start":1140.38,"end":1140.86,"sentiment":"neutral","sentiment_score":0.22628341615200043},{"text":"Perfect.","start":1140.86,"end":1141.36,"sentiment":"positive","sentiment_score":0.6007604598999023},{"text":"Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report.","start":1142.46,"end":1152.2949,"sentiment":"neutral","sentiment_score":0.2022676555705922}],"sentiment":"neutral","sentiment_score":0.18840699233639407,"num_words":71,"start":1126.865,"end":1152.2949},{"sentences":[{"text":"That one does break down your individual investments and how they have performed over the last twelve months.","start":1152.9149,"end":1159.6549,"sentiment":"neutral","sentiment_score":0.22083385702636507},{"text":"Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well.","start":1160.195,"end":1168.4901,"sentiment":"neutral","sentiment_score":0.30903058678939427},{"text":"So in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market.","start":1168.9501,"end":1181.4551,"sentiment":"positive","sentiment_score":0.5643115763006539},{"text":"Yes.","start":1190.5701,"end":1190.7301,"sentiment":"neutral","sentiment_score":0.00307454913854599},{"text":"Yes.","start":1190.7301,"end":1191.2301,"sentiment":"neutral","sentiment_score":0.009063290432095528}],"sentiment":"positive","sentiment_score":0.37582141020072574,"num_words":78,"start":1152.9149,"end":1191.2301},{"sentences":[{"text":"So it's very much also with did send you a statement or anything recently?","start":1191.29,"end":1196.5901,"sentiment":"neutral","sentiment_score":0.007175390409039599},{"text":"Yeah.","start":1203.1449,"end":1203.6449,"sentiment":"neutral","sentiment_score":-0.1080724075436592},{"text":"Sorry.","start":1204.505,"end":1204.9049,"sentiment":"neutral","sentiment_score":-0.11362315714359283},{"text":"I will review that for you as well.","start":1204.9049,"end":1206.4249,"sentiment":"neutral","sentiment_score":-0.043297079391777515},{"text":"So part of the research is I can look at how the money is invested in CBA.","start":1206.4249,"end":1210.985,"sentiment":"neutral","sentiment_score":-0.013883200419299743}],"sentiment":"neutral","sentiment_score":-0.017161735151780814,"num_words":41,"start":1191.29,"end":1210.985},{"sentences":[{"text":"Now they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that.","start":1210.985,"end":1219.99,"sentiment":"neutral","sentiment_score":-0.040568067724334786},{"text":"We obviously wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus.","start":1220.4501,"end":1227.51,"sentiment":"neutral","sentiment_score":-0.005019667052218448},{"text":"And if we do wanna change it to something else to to put this, you know, a little bit better.","start":1228.045,"end":1234.145,"sentiment":"neutral","sentiment_score":-0.03533019032329321},{"text":"So I will look at that when I do research things for you as well just to see.","start":1234.2051,"end":1239.66,"sentiment":"neutral","sentiment_score":0.03964395552045769},{"text":"And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change.","start":1241.98,"end":1248.7201,"sentiment":"neutral","sentiment_score":0.04843106927971045}],"sentiment":"neutral","sentiment_score":0.00019401672861387586,"num_words":117,"start":1210.985,"end":1248.7201},{"sentences":[{"text":"Just do a bit more deep dive into the investments because things are always changing.","start":1249.26,"end":1253.6,"sentiment":"neutral","sentiment_score":0.04699119528134664},{"text":"And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from.","start":1254.065,"end":1258.705,"sentiment":"neutral","sentiment_score":0.31983779761053266},{"text":"And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position.","start":1258.705,"end":1269.045,"sentiment":"neutral","sentiment_score":-0.04248986725468893},{"text":"So when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you.","start":1269.5801,"end":1275.8401,"sentiment":"neutral","sentiment_score":0.10633443117141723},{"text":"Yep.","start":1277.66,"end":1278.16,"sentiment":"neutral","sentiment_score":0.3077937960624695}],"sentiment":"neutral","sentiment_score":0.08904536531278581,"num_words":99,"start":1249.26,"end":1278.16},{"sentences":[{"text":"Perfect.","start":1278.3,"end":1278.8,"sentiment":"positive","sentiment_score":0.5403178930282593},{"text":"Now, otherwise, you will see in the email, you will see a financial services guide and their services guide.","start":1279.02,"end":1285.755,"sentiment":"neutral","sentiment_score":0.22610825104148766},{"text":"You would have seen this before.","start":1285.755,"end":1287.195,"sentiment":"neutral","sentiment_score":0.18693279226620993},{"text":"It's just a bit of an updated document.","start":1287.195,"end":1289.135,"sentiment":"neutral","sentiment_score":0.25131101347506046},{"text":"It's one of those compliance forms, but everything you need to know about us is in there.","start":1289.4349,"end":1293.995,"sentiment":"neutral","sentiment_score":0.2485916298978469}],"sentiment":"neutral","sentiment_score":0.23910818102897383,"num_words":51,"start":1278.3,"end":1293.995},{"sentences":[{"text":"Nothing has really changed in terms of the important information.","start":1293.995,"end":1297.2949,"sentiment":"neutral","sentiment_score":0.014835672080516815},{"text":"There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice.","start":1298.0599,"end":1304.0,"sentiment":"positive","sentiment_score":0.5064463067054749},{"text":"And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents.","start":1305.26,"end":1314.8451,"sentiment":"neutral","sentiment_score":0.2909066604991113},{"text":"Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1315.4651,"end":1323.005,"sentiment":"positive","sentiment_score":0.43125704288482664},{"text":"There is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super.","start":1324.025,"end":1332.65,"sentiment":"neutral","sentiment_score":0.2775060364178249}],"sentiment":"positive","sentiment_score":0.34318458661437035,"num_words":112,"start":1293.995,"end":1332.65},{"sentences":[{"text":"No changes in regards to that.","start":1333.1901,"end":1335.21,"sentiment":"neutral","sentiment_score":0.12042000393072765},{"text":"And as per usual, there's no lock in contract.","start":1336.15,"end":1338.55,"sentiment":"neutral","sentiment_score":0.1702409783999125},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1338.55,"end":1342.25,"sentiment":"neutral","sentiment_score":0.09572773777386721},{"text":"But, otherwise, signing this allows you to remain on as a client, and we can keep that.","start":1342.39,"end":1347.105,"sentiment":"positive","sentiment_score":0.38969245114747214},{"text":"Yep.","start":1348.845,"end":1349.345,"sentiment":"neutral","sentiment_score":0.23672011494636536}],"sentiment":"neutral","sentiment_score":0.21487104311585425,"num_words":50,"start":1333.1901,"end":1349.345},{"sentences":[{"text":"And the last one, Em, is just a compliance form.","start":1349.405,"end":1351.8049,"sentiment":"neutral","sentiment_score":0.20231004804372787},{"text":"It's just a tax file number form just to say that we are keeping your tax file number secure on file.","start":1351.8049,"end":1358.225,"sentiment":"neutral","sentiment_score":0.31252805037157877},{"text":"Now, Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward?","start":1358.34,"end":1366.9199,"sentiment":"neutral","sentiment_score":0.1346906382176611},{"text":"Yep.","start":1369.5399,"end":1369.94,"sentiment":"neutral","sentiment_score":0.23613938689231873},{"text":"Okay.","start":1369.94,"end":1370.34,"sentiment":"positive","sentiment_score":0.3826795220375061}],"sentiment":"neutral","sentiment_score":0.21402759465078514,"num_words":60,"start":1349.405,"end":1370.34},{"sentences":[{"text":"Perfect.","start":1370.34,"end":1370.82,"sentiment":"positive","sentiment_score":0.5339589715003967},{"text":"Well, I will, let you go so you don't have to sit in your car.","start":1370.82,"end":1374.315,"sentiment":"neutral","sentiment_score":0.22384951959053676},{"text":"Like I said, I will get the team to send you an email with that TPA for CBA.","start":1374.875,"end":1379.4349,"sentiment":"neutral","sentiment_score":0.21125142628120053},{"text":"So as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account.","start":1379.4349,"end":1392.09,"sentiment":"neutral","sentiment_score":0.20413734414139573},{"text":"Okay.","start":1393.67,"end":1394.07,"sentiment":"positive","sentiment_score":0.5846052169799805}],"sentiment":"neutral","sentiment_score":0.21763764902771937,"num_words":84,"start":1370.34,"end":1394.07},{"sentences":[{"text":"Perfect.","start":1394.07,"end":1394.57,"sentiment":"positive","sentiment_score":0.7945737838745117},{"text":"Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start":1394.79,"end":1400.163,"sentiment":"positive","sentiment_score":0.7345684890945753},{"text":"No problem at all.","start":1402.4829,"end":1403.3629,"sentiment":"positive","sentiment_score":0.5964372903108597},{"text":"We'll speak soon, Steven.","start":1403.3629,"end":1404.5029,"sentiment":"positive","sentiment_score":0.3896588012576103},{"text":"Bye.","start":1406.403,"end":1406.803,"sentiment":"neutral","sentiment_score":0.178010031580925}],"sentiment":"positive","sentiment_score":0.6631356447058565,"num_words":34,"start":1394.07,"end":1406.803},{"sentences":[{"text":"Bye.","start":1406.803,"end":1407.303,"sentiment":"neutral","sentiment_score":-0.11953753232955933}],"sentiment":"neutral","sentiment_score":-0.11953753232955933,"num_words":1,"start":1406.803,"end":1407.303}]}}]},{"alternatives":[{"transcript":"Hello, Roni. Yes. Yes. Nope. It's sitting in the top up. Yep. Okay. Yes. Yes. That's my second. Yes. Still working in the boiler market in Goulburn, FTR. Yes. I like to work. Sometimes the people are a bit much, but yeah. Yep. Proper. Yep. Yes. That's correct. Yep. No. No. I went through a divorce a couple of years, and they cleaned me up. So I have a personal loan and two credit cards. 14,000. Combined there at about 14,000 again. So I don't think so. Yep. Nope. No. No. None of that. Yes. I did. Now can you resend them and I'll get I'll get them redone? My my partner's gonna have it cleaning everything up, sir. Oh, okay. Well, tape it in my car. She doesn't clean my car. Yes. Yep. Okay. Yes. Now we're we're going to go to Mount Isa, which is where two of my sons work, but then one of my sons got injured injured badly in a mine accident. So he's back down in Newcastle. So he's back at work. I don't know why he's back at work. Yep. Yeah. We've gotta go to that Daniele live in Newcastle, so we gotta go back and see him because we got a new granddaughter. So yeah. So I never I haven't made it yet. So Six months? Well, that they were up in Anaza. That's two two and a half thousand kilometers away. So yeah. I found out that it's actually gonna be easier for us if if I get rid of my debts first than saving money because I'm saving money for nothing if I can't pay the debts off. Plea debt. Yep. Yes. No. I don't think so. Yeah. I hope I make it today. Well, most boilermakers don't make it to 55. Yeah. Okay. Yep. I can be at 60 seven. Yep. Yeah. That that's minimum you need. In in what? Thirty twelve, thirteen years time. Well, right now, you need a thousand dollars a week. Yep. Yep. Yep. Direct shares. I did try it once and failed. I gave up on it. No. Yeah. I think I put on order at last time. So When the market is down, when is the best time to buy, not not sell. So Yeah. Well, losing money always makes me anxious, but yeah. Yes. I'm not I'm not planning on losing my situation. No. I'd have to have a property to live in first. Yes. Yep. Medium risk or something, wasn't it? Yes. I'll have a look. Got the email you sent me with that signature and stuff? Yeah. Super and summary pay year. Yeah. Okay. Yeah. That'll work. Okay. Yep. Okay. Okay. Yep. Yep. Yeah. Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost. No. They just keep sending me letters to say that I should put money in to to to pay for it. Yeah. Okay. Okay. Okay. Okay. Not so pretty stressful. Okay. Okay. 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Roni. Yes. Yes. Nope. It's sitting in the top up.\n\nYep. Okay. Yes. Yes. That's my second.\n\nYes. Still working in the boiler market in Goulburn, FTR. Yes. I like to work. Sometimes the people are a bit much, but yeah.\n\nYep. Proper. Yep. Yes. That's correct.\n\nYep. No. No. I went through a divorce a couple of years, and they cleaned me up. So I have a personal loan and two credit cards.\n\n14,000. Combined there at about 14,000 again. So I don't think so. Yep. Nope.\n\nNo. No. None of that. Yes. I did.\n\nNow can you resend them and I'll get I'll get them redone? My my partner's gonna have it cleaning everything up, sir. Oh, okay. Well, tape it in my car. She doesn't clean my car.\n\nYes. Yep. Okay. Yes. Now we're we're going to go to Mount Isa, which is where two of my sons work, but then one of my sons got injured injured badly in a mine accident.\n\nSo he's back down in Newcastle. So he's back at work. I don't know why he's back at work. Yep. Yeah.\n\nWe've gotta go to that Daniele live in Newcastle, so we gotta go back and see him because we got a new granddaughter. So yeah. So I never I haven't made it yet. So Six months? Well, that they were up in Anaza.\n\nThat's two two and a half thousand kilometers away. So yeah. I found out that it's actually gonna be easier for us if if I get rid of my debts first than saving money because I'm saving money for nothing if I can't pay the debts off. Plea debt. Yep.\n\nYes. No. I don't think so. Yeah. I hope I make it today.\n\nWell, most boilermakers don't make it to 55. Yeah. Okay. Yep. I can be at 60 seven.\n\nYep. Yeah. That that's minimum you need. In in what? Thirty twelve, thirteen years time.\n\nWell, right now, you need a thousand dollars a week. Yep. Yep. Yep. Direct shares.\n\nI did try it once and failed. I gave up on it. No. Yeah. I think I put on order at last time.\n\nSo When the market is down, when is the best time to buy, not not sell. So Yeah. Well, losing money always makes me anxious, but yeah. Yes. I'm not I'm not planning on losing my situation.\n\nNo. I'd have to have a property to live in first. Yes. Yep. Medium risk or something, wasn't it?\n\nYes. I'll have a look. Got the email you sent me with that signature and stuff? Yeah. Super and summary pay year.\n\nYeah. Okay. Yeah. That'll work. Okay.\n\nYep. Okay. Okay. Yep. Yep.\n\nYeah. Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost. No. They just keep sending me letters to say that I should put money in to to to pay for it. Yeah.\n\nOkay. Okay. Okay. Okay. Not so pretty stressful.\n\nOkay. Okay. Thank you very Bye.","paragraphs":[{"sentences":[{"text":"Hello, Roni.","start":3.6,"end":4.42,"sentiment":"neutral","sentiment_score":0.11766451597213745},{"text":"Yes.","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.16676923632621765},{"text":"Yes.","start":8.88,"end":9.38,"sentiment":"neutral","sentiment_score":0.2338401675224304},{"text":"Nope.","start":14.535,"end":14.855,"sentiment":"neutral","sentiment_score":-0.05609431117773056},{"text":"It's sitting in the top 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did.","start":254.95,"end":255.61,"sentiment":"neutral","sentiment_score":0.054763130843639374}],"sentiment":"neutral","sentiment_score":-0.02717823116108775,"num_words":8,"start":219.77,"end":255.61},{"sentences":[{"text":"Now can you resend them and I'll get I'll get them redone?","start":260.125,"end":262.70502,"sentiment":"neutral","sentiment_score":0.012942879072700938},{"text":"My my partner's gonna have it cleaning everything up, sir.","start":262.845,"end":265.745,"sentiment":"neutral","sentiment_score":-0.05005053728818894},{"text":"Oh, okay.","start":266.765,"end":267.325,"sentiment":"neutral","sentiment_score":0.0007478091865777969},{"text":"Well, tape it in my car.","start":267.325,"end":268.445,"sentiment":"neutral","sentiment_score":-0.14214166502157846},{"text":"She doesn't clean my 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accident.","start":339.16,"end":346.515,"sentiment":"neutral","sentiment_score":-0.02091138557560982}],"sentiment":"neutral","sentiment_score":-0.005084617542369025,"num_words":35,"start":274.86002,"end":346.515},{"sentences":[{"text":"So he's back down in Newcastle.","start":347.375,"end":349.23502,"sentiment":"neutral","sentiment_score":-0.03188952477648854},{"text":"So he's back at work.","start":349.535,"end":354.765,"sentiment":"neutral","sentiment_score":-0.014531826972961426},{"text":"I don't know why he's back at work.","start":356.22,"end":358.0,"sentiment":"neutral","sentiment_score":-0.13244393561035395},{"text":"Yep.","start":363.81998,"end":364.31998,"sentiment":"neutral","sentiment_score":0.07152566313743591},{"text":"Yeah.","start":368.62,"end":368.94,"sentiment":"neutral","sentiment_score":0.1098298877477646}],"sentiment":"neutral","sentiment_score":-0.05439010559625569,"num_words":21,"start":347.375,"end":368.94},{"sentences":[{"text":"We've gotta go to that Daniele live in Newcastle, so we gotta go back and see him because we got a new granddaughter.","start":368.94,"end":375.14502,"sentiment":"neutral","sentiment_score":0.15152483239122058},{"text":"So yeah.","start":375.285,"end":379.525,"sentiment":"neutral","sentiment_score":0.1553972065448761},{"text":"So I never I haven't made it yet.","start":379.525,"end":381.045,"sentiment":"neutral","sentiment_score":-0.0533497747965157},{"text":"So Six months?","start":381.045,"end":386.89,"sentiment":"neutral","sentiment_score":-0.011436084595819315},{"text":"Well, that they were up in Anaza.","start":389.67,"end":391.29,"sentiment":"neutral","sentiment_score":0.06970586201974324}],"sentiment":"neutral","sentiment_score":0.08890000325735918,"num_words":43,"start":368.94,"end":391.29},{"sentences":[{"text":"That's two two and a half thousand kilometers away.","start":394.23,"end":397.51,"sentiment":"neutral","sentiment_score":-0.0761302908261617},{"text":"So yeah.","start":397.51,"end":402.125,"sentiment":"neutral","sentiment_score":-0.04699030518531799},{"text":"I found out that it's actually gonna be easier for us if if I get rid of my debts first than saving money because I'm saving money for nothing if I can't pay the debts off.","start":419.04,"end":428.895,"sentiment":"neutral","sentiment_score":0.12868176959455013},{"text":"Plea debt.","start":438.8,"end":439.36002,"sentiment":"neutral","sentiment_score":0.053529154509305954},{"text":"Yep.","start":439.36002,"end":439.86002,"sentiment":"neutral","sentiment_score":0.026478495448827744}],"sentiment":"neutral","sentiment_score":0.07973854564130306,"num_words":50,"start":394.23,"end":439.86002},{"sentences":[{"text":"Yes.","start":442.4,"end":442.9,"sentiment":"neutral","sentiment_score":0.22982117533683777},{"text":"No.","start":447.12,"end":447.36,"sentiment":"neutral","sentiment_score":-0.13191908597946167},{"text":"I don't think so.","start":447.36,"end":448.42,"sentiment":"neutral","sentiment_score":-0.14105461537837982},{"text":"Yeah.","start":462.065,"end":462.46503,"sentiment":"neutral","sentiment_score":0.05310609191656113},{"text":"I hope I make it today.","start":462.46503,"end":463.765,"sentiment":"neutral","sentiment_score":0.09186565255125363}],"sentiment":"neutral","sentiment_score":0.010614125774456902,"num_words":13,"start":442.4,"end":463.765},{"sentences":[{"text":"Well, most boilermakers don't make it to 55.","start":468.55002,"end":471.21002,"sentiment":"neutral","sentiment_score":-0.11531586199998856},{"text":"Yeah.","start":491.915,"end":492.415,"sentiment":"neutral","sentiment_score":0.06107371300458908},{"text":"Okay.","start":496.65,"end":497.15,"sentiment":"neutral","sentiment_score":0.07474561035633087},{"text":"Yep.","start":514.025,"end":514.525,"sentiment":"neutral","sentiment_score":0.02647612802684307},{"text":"I can be at 60 seven.","start":518.76996,"end":522.85,"sentiment":"neutral","sentiment_score":0.17872578154007593}],"sentiment":"neutral","sentiment_score":0.018360190860488835,"num_words":17,"start":468.55002,"end":522.85},{"sentences":[{"text":"Yep.","start":522.85,"end":523.35,"sentiment":"neutral","sentiment_score":0.18769508600234985},{"text":"Yeah.","start":527.49,"end":527.73,"sentiment":"neutral","sentiment_score":0.21458175778388977},{"text":"That that's minimum you need.","start":527.73,"end":529.82996,"sentiment":"neutral","sentiment_score":0.2487437129020691},{"text":"In in what?","start":538.945,"end":540.965,"sentiment":"neutral","sentiment_score":0.00517468899488449},{"text":"Thirty twelve, thirteen years time.","start":541.265,"end":542.945,"sentiment":"neutral","sentiment_score":0.012180849350988865}],"sentiment":"neutral","sentiment_score":0.11482824813574552,"num_words":15,"start":522.85,"end":542.945},{"sentences":[{"text":"Well, right now, you need a thousand dollars a week.","start":542.945,"end":545.125,"sentiment":"neutral","sentiment_score":0.008417975157499313},{"text":"Yep.","start":558.6,"end":559.1,"sentiment":"neutral","sentiment_score":0.03159633278846741},{"text":"Yep.","start":573.09,"end":573.59,"sentiment":"neutral","sentiment_score":0.06967969983816147},{"text":"Yep.","start":591.885,"end":592.385,"sentiment":"neutral","sentiment_score":0.04241616651415825},{"text":"Direct shares.","start":601.27,"end":602.41003,"sentiment":"neutral","sentiment_score":0.004861977882683277}],"sentiment":"neutral","sentiment_score":0.01583972709874312,"num_words":15,"start":542.945,"end":602.41003},{"sentences":[{"text":"I did try it once and failed.","start":610.415,"end":612.095,"sentiment":"neutral","sentiment_score":-0.07269762456417084},{"text":"I gave up on it.","start":612.095,"end":613.31494,"sentiment":"neutral","sentiment_score":-0.1643094852566719},{"text":"No.","start":616.095,"end":616.595,"sentiment":"neutral","sentiment_score":-0.14745530486106873},{"text":"Yeah.","start":650.325,"end":650.825,"sentiment":"neutral","sentiment_score":0.02360016666352749},{"text":"I think I put on order at last time.","start":651.685,"end":653.685,"sentiment":"neutral","sentiment_score":0.041338380012247294}],"sentiment":"neutral","sentiment_score":-0.047053935492168304,"num_words":23,"start":610.415,"end":653.685},{"sentences":[{"text":"So When the market is down, when is the best time to buy, not not sell.","start":653.685,"end":703.685,"sentiment":"neutral","sentiment_score":-0.06249212194234133},{"text":"So Yeah.","start":703.685,"end":709.44,"sentiment":"neutral","sentiment_score":0.12313421815633774},{"text":"Well, losing money always makes me anxious, but yeah.","start":741.55,"end":748.53,"sentiment":"neutral","sentiment_score":-0.27633656561374664},{"text":"Yes.","start":750.835,"end":751.15497,"sentiment":"neutral","sentiment_score":0.02445170097053051},{"text":"I'm not I'm not planning on losing my situation.","start":751.15497,"end":754.055,"sentiment":"neutral","sentiment_score":-0.19457174589236578}],"sentiment":"neutral","sentiment_score":-0.13425212479322343,"num_words":37,"start":653.685,"end":754.055},{"sentences":[{"text":"No.","start":768.63,"end":768.87,"sentiment":"neutral","sentiment_score":-0.10307160019874571},{"text":"I'd have to have a property to live in first.","start":768.87,"end":771.05,"sentiment":"neutral","sentiment_score":-0.08604860119521618},{"text":"Yes.","start":777.165,"end":777.665,"sentiment":"neutral","sentiment_score":0.05469756573438645},{"text":"Yep.","start":784.88245,"end":785.38245,"sentiment":"neutral","sentiment_score":0.1291268765926361},{"text":"Medium risk or something, wasn't it?","start":797.39996,"end":799.42,"sentiment":"neutral","sentiment_score":0.04711677102992932}],"sentiment":"neutral","sentiment_score":-0.026159607560226793,"num_words":19,"start":768.63,"end":799.42},{"sentences":[{"text":"Yes.","start":880.26996,"end":880.76996,"sentiment":"neutral","sentiment_score":0.24379736185073853},{"text":"I'll have a look.","start":895.675,"end":896.65497,"sentiment":"neutral","sentiment_score":0.020606715232133865},{"text":"Got the email you sent me with that signature and stuff?","start":918.575,"end":922.11505,"sentiment":"neutral","sentiment_score":0.018445866521109234},{"text":"Yeah.","start":923.53503,"end":924.03503,"sentiment":"neutral","sentiment_score":0.04231296479701996},{"text":"Super and summary pay year.","start":948.82495,"end":950.605,"sentiment":"neutral","sentiment_score":0.12648374885320662}],"sentiment":"neutral","sentiment_score":0.05472093016247858,"num_words":22,"start":880.26996,"end":950.605},{"sentences":[{"text":"Yeah.","start":1000.84,"end":1001.34,"sentiment":"neutral","sentiment_score":-0.01987336575984955},{"text":"Okay.","start":1006.095,"end":1006.495,"sentiment":"neutral","sentiment_score":0.10894731432199478},{"text":"Yeah.","start":1006.495,"end":1006.815,"sentiment":"neutral","sentiment_score":0.1362280398607254},{"text":"That'll work.","start":1006.815,"end":1007.635,"sentiment":"neutral","sentiment_score":0.20494429767131803},{"text":"Okay.","start":1010.815,"end":1011.315,"sentiment":"neutral","sentiment_score":0.1344490349292755}],"sentiment":"neutral","sentiment_score":0.1282732697824637,"num_words":6,"start":1000.84,"end":1011.315},{"sentences":[{"text":"Yep.","start":1059.04,"end":1059.54,"sentiment":"neutral","sentiment_score":0.21651391685009003},{"text":"Okay.","start":1064.645,"end":1065.145,"sentiment":"neutral","sentiment_score":0.21545448899269104},{"text":"Okay.","start":1114.47,"end":1114.97,"sentiment":"neutral","sentiment_score":0.13657516241073608},{"text":"Yep.","start":1116.71,"end":1117.21,"sentiment":"neutral","sentiment_score":0.1451300084590912},{"text":"Yep.","start":1139.49,"end":1139.99,"sentiment":"neutral","sentiment_score":0.1206161603331566}],"sentiment":"neutral","sentiment_score":0.166857947409153,"num_words":5,"start":1059.04,"end":1139.99},{"sentences":[{"text":"Yeah.","start":1182.955,"end":1183.275,"sentiment":"neutral","sentiment_score":0.003402287140488625},{"text":"Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost.","start":1183.275,"end":1189.15,"sentiment":"neutral","sentiment_score":-0.15942170251818263},{"text":"No.","start":1198.2051,"end":1198.4451,"sentiment":"negative","sentiment_score":-0.35808902978897095},{"text":"They just keep sending me letters to say that I should put money in to to to pay for it.","start":1198.4451,"end":1203.1051,"sentiment":"negative","sentiment_score":-0.41171705573797224},{"text":"Yeah.","start":1220.64,"end":1221.14,"sentiment":"neutral","sentiment_score":-0.0010010842233896255}],"sentiment":"neutral","sentiment_score":-0.28250494711101054,"num_words":40,"start":1182.955,"end":1221.14},{"sentences":[{"text":"Okay.","start":1239.135,"end":1239.635,"sentiment":"neutral","sentiment_score":0.03476297855377197},{"text":"Okay.","start":1276.83,"end":1277.33,"sentiment":"neutral","sentiment_score":0.19041654467582703},{"text":"Okay.","start":1348.0149,"end":1348.5149,"sentiment":"neutral","sentiment_score":0.23597879707813263},{"text":"Okay.","start":1359.89,"end":1360.39,"sentiment":"neutral","sentiment_score":0.162325918674469},{"text":"Not so pretty stressful.","start":1368.05,"end":1369.27,"sentiment":"neutral","sentiment_score":0.051574934273958206}],"sentiment":"neutral","sentiment_score":0.10372299700975418,"num_words":8,"start":1239.135,"end":1369.27},{"sentences":[{"text":"Okay.","start":1400.31,"end":1400.55,"sentiment":"neutral","sentiment_score":0.28558510541915894},{"text":"Okay.","start":1400.55,"end":1401.03,"sentiment":"neutral","sentiment_score":0.3236497640609741},{"text":"Thank you very Bye.","start":1401.03,"end":1406.4529,"sentiment":"positive","sentiment_score":0.6021102368831635}],"sentiment":"positive","sentiment_score":0.5029459695021311,"num_words":6,"start":1400.31,"end":1406.4529}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Steven. It's Veronica. How are you?\n\nChannel 1: Hello, Roni.\n\nChannel 0: Got all sorted now?\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now are you driving at the moment?\n\nChannel 1: Nope. It's sitting in\n\nChannel 0: No.\n\nChannel 1: the top up.\n\nChannel 0: Okay. Perfect. So what I'll do is I have just sent you an email with some documents to run through with you. But\n\nChannel 1: Yep.\n\nChannel 0: before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So kind of just bear with me as I go through this information. I will try to make it quick for you so you don't have to stay in the car for too long.\n\nChannel 1: Okay.\n\nChannel 0: Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence.\n\nChannel 1: Yes.\n\nChannel 0: Is that correct? Yes. Perfect. And I have next of kin nominated Andrew Gilbert. Is that still the case as well?\n\nChannel 1: Yes. That's my second.\n\nChannel 0: Yep. Perfect. And his phone number hasn't changed, still ends with 176?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker?\n\nChannel 1: Still working in the boiler market in Goulburn, FTR. Yes.\n\nChannel 0: Perfect. Working full time? Yes. Perfect. And do you enjoy it?\n\nChannel 1: I like to work. Sometimes the people are a bit much, but\n\nChannel 0: Yeah. Well, pays the bill and at least enjoy the work. But yeah.\n\nChannel 1: yeah.\n\nChannel 0: You can't really choose who you work with that time. Now I have income here at 85,000. Is that still roughly the case? Yep.\n\nChannel 1: Yep. Proper. Yep.\n\nChannel 0: Yep. Perfect. And now I have here as well the employer does pay 12% contribution into super, so just like that standard. And you're not currently making any extra contributions. That's all correct as well?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yep. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 5,000. Is that still the case as well? Yep.\n\nPerfect. And you didn't have anything going on that one, do you?\n\nChannel 1: Yep. No.\n\nChannel 0: Perfect. Do you have any other assets, any other motor vehicles or boats or motorbikes or savings in the bank or anything else?\n\nChannel 1: No. I went through a divorce a couple of years, and they cleaned me up. So\n\nChannel 0: Yeah. Do you have any liabilities, any personal loans or credit card or ZipPay?\n\nChannel 1: I have a personal loan and two credit cards.\n\nChannel 0: Okay. And with the personal lines, do you owe roughly how much is owing on that one?\n\nChannel 1: 14,000.\n\nChannel 0: About 14. Perfect. And the two credit cards, do you know roughly, like, combined that would be left on those?\n\nChannel 1: Combined there at about 14,000 again. So\n\nChannel 0: Yep. Okay. Perfect. Anything else we haven't gone through? No.\n\nChannel 1: I don't think so.\n\nChannel 0: Great. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health or injuries or anything in the last twelve months?\n\nChannel 1: Nope.\n\nChannel 0: Nope. That's good. And do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes to a state planning, do you have a will in place or a power of attorney?\n\nChannel 1: No. None of that.\n\nChannel 0: No. No. And when it comes to also your your superannuation, it doesn't look like we have a a beneficiary form received from you yet. So in the event that something would've happened to you, who you want to nominate to receive your superannuation, Do you remember seeing those forms in the post or anything?\n\nChannel 1: Yes. I did.\n\nChannel 0: Yeah. Do you still have them, or would you like us to resend them to you?\n\nChannel 1: Now can you resend them and I'll get I'll\n\nChannel 0: Yep.\n\nChannel 1: get them redone? My my\n\nChannel 0: Yep.\n\nChannel 1: partner's gonna have it cleaning everything up, sir.\n\nChannel 0: No. That's\n\nChannel 1: Oh,\n\nChannel 0: all\n\nChannel 1: okay.\n\nChannel 0: good.\n\nChannel 1: Well, tape it in my car. She doesn't clean my car.\n\nChannel 0: Perfect. Do you have access to a printer otherwise?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you. That way, you do have a a copy of it. It's just because you are making a legal nomination. It just has to be printed and web signed.\n\nWould you be okay with the a printed version?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Okay. I'll get the team to send that to you, and we can get that sorted. And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. Now when it comes to our guest goals, stuff that you're working towards that you are wanting to achieve, Last time when we did speak to you, your your main focus was to kind of go on a bit of a trip up North Queensland to show your your partner, and then also start saving for a house. Is that still kind of on the agenda for you? Did you guys end\n\nChannel 1: Yes.\n\nChannel 0: up doing the trip?\n\nChannel 1: Now we're we're going to go to Mount Isa, which is where two of my sons work, but then one of\n\nChannel 0: Oh,\n\nChannel 1: my sons\n\nChannel 0: yeah.\n\nChannel 1: got injured injured badly in a mine accident.\n\nChannel 0: Oh, I'm sorry\n\nChannel 1: So\n\nChannel 0: to\n\nChannel 1: he's\n\nChannel 0: hear that.\n\nChannel 1: back down in Newcastle.\n\nChannel 0: It\n\nChannel 1: So\n\nChannel 0: okay. Is he okay?\n\nChannel 1: he's back at work.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: don't\n\nChannel 0: good,\n\nChannel 1: know why\n\nChannel 0: though.\n\nChannel 1: he's back at work.\n\nChannel 0: Okay. Yeah. No. That's totally fine. So\n\nChannel 1: Yep.\n\nChannel 0: planning another holiday to go see them.\n\nChannel 1: Yeah. We've gotta go to that Daniele live in Newcastle, so we gotta go\n\nChannel 0: Yep.\n\nChannel 1: back and see him because we got a new granddaughter. So\n\nChannel 0: Oh, congratulations. That's exciting.\n\nChannel 1: yeah. So I never I haven't made it yet. So\n\nChannel 0: Yeah. Oh, that's how old is she?\n\nChannel 1: Six months?\n\nChannel 0: Oh, yeah. No. That's very good.\n\nChannel 1: Well, that they were up in Anaza.\n\nChannel 0: Yeah. Yeah. Okay. Yep. And then\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: two\n\nChannel 0: Sorry?\n\nChannel 1: two and a half thousand kilometers away. So\n\nChannel 0: It's it's a bit of a it's a bit of a distance, isn't it?\n\nChannel 1: yeah.\n\nChannel 0: And from aside from, obviously, family, are you still kind of planning on trying to save up for for a property? Is that still kind of, I guess, like, a bit more medium to long term goal?\n\nChannel 1: I found out that it's actually gonna be easier for us if if I get rid of my debts first than saving\n\nChannel 0: Yes.\n\nChannel 1: money because I'm saving\n\nChannel 0: Yes.\n\nChannel 1: money for nothing if I can't pay the debts off.\n\nChannel 0: Yep. Yeah. Okay. So just kind of focusing at the moment to clear out any debt and then following that, maybe property. The main focus now is to kind of clear out the the personal\n\nChannel 1: Plea\n\nChannel 0: loan\n\nChannel 1: debt.\n\nChannel 0: and the\n\nChannel 1: Yep.\n\nChannel 0: credit card? Yes. Great. Perfect. Anything\n\nChannel 1: Yes.\n\nChannel 0: else that you are working towards or you're wanting to achieve otherwise?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No? Okay. And I do have here as well when it comes to superannuation that you are planning on, at this stage anyway, retire at the age of 67. Is that still kind of the plan?\n\nChannel 1: Yeah. I hope I make it today.\n\nChannel 0: Or do you think you'd wanna retire earlier?\n\nChannel 1: Well, most boilermakers don't make it to 55.\n\nChannel 0: Okay. Well, hopefully, you can enjoy super and your life well before that as well and that you do make it well past 65. Okay. Perfect. Do you want me to update your goals?\n\nSo, like, when you so because with superannuation, if you do decide to stop working, you\n\nChannel 1: Yeah.\n\nChannel 0: can access your super on the current legislation at the age of 60. 60\n\nChannel 1: Okay.\n\nChannel 0: five, otherwise, if you keep working, you can access everything tax free or 67 if you're eligible for each pension. And the reason I do ask as well is because we're trying to obviously do, you know, research and stuff on your super and trying to get you as close to your goals as possible when you do retire. So would you\n\nChannel 1: Yep.\n\nChannel 0: like me to change it to 65 or happy with 67?\n\nChannel 1: I can be at 60\n\nChannel 0: Sixty seven. Perfect. And an\n\nChannel 1: seven. Yep.\n\nChannel 0: ideal income per week of around 800? That seem\n\nChannel 1: Yeah.\n\nChannel 0: doable?\n\nChannel 1: That that's minimum you need.\n\nChannel 0: Yeah. Or do you want me to change it? How much do you think you will need to still, you know, live comfortably?\n\nChannel 1: In in what? Thirty twelve, thirteen years time. Well, right now, you need a thousand dollars a week.\n\nChannel 0: Yeah. It's I'll update it to a thousand, and that's honestly what most people say right now. And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky. But\n\nChannel 1: Yep.\n\nChannel 0: most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement. So I'll just change that to about 1,000 per week because that's what most people does as\n\nChannel 1: Yep.\n\nChannel 0: well. Okay. Perfect. Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation. So think of these questions in regards to your superannuation.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself?\n\nChannel 1: Direct shares.\n\nChannel 0: On, like, the stock market, have you ever bought shares into a company?\n\nChannel 1: I did try it once and failed. I gave up on it.\n\nChannel 0: Okay. You don't have any at the moment?\n\nChannel 1: No.\n\nChannel 0: No. Alright. Perfect. Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing. Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term?\n\nWould you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Yeah. I think I put on order at last time. So\n\nChannel 0: Yes. You did. Alright. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?\n\nSo not one particular investment, just the market as a whole. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped.\n\nChannel 1: When the market is down, when is the best time to buy, not not sell. So\n\nChannel 0: Yeah. Okay. So potentially invest a little bit more pending opportunities.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And when it comes to superannuation fluctuating or any assets, really, if you saw your superannuation, for example, fall in value, how would that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious?\n\nChannel 1: Well, losing money always makes me anxious, but\n\nChannel 0: Yep. So kind of a bit more anxious if you saw it fluctuate\n\nChannel 1: yeah.\n\nChannel 0: a lot. Yep.\n\nChannel 1: Yes. I'm not I'm not planning on losing my situation.\n\nChannel 0: Yes. No. And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property?\n\nChannel 1: No. I'd have to have a property to live in first.\n\nChannel 0: Would you consider taking out a loan to buy properties for yourself?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Perfect. Now, Steven, that tells me here that you have come out as a growth\n\nChannel 1: Yep.\n\nChannel 0: investor, which is the portfolio we currently have you invested in. Do you remember what a growth investor is at all?\n\nChannel 1: Medium risk or something, wasn't it?\n\nChannel 0: Yeah. Kind of. So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement. But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that. So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive.\n\nSo kind of somewhere where you're focusing on growth, just not high growth or, you know, super high. And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets. So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation. And then we do have about 20% in defensive investment. So that will be, like, your cash, your gold, your fixed interest, a little bit.\n\nAnd when we are talking about a time frame, so making sure you have enough time in the market for those fluctuations. We typically want to allow at least six years until retirement in a growth portfolio. Now does that all make sense, and are you still happy to remain in that growth portfolio?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now the last thing here is just to kind of go through a couple of documents and see what's happened in the last twelve months. But do you have access to your emails at the moment, or is it a bit tricky?\n\nChannel 1: I'll have a look.\n\nChannel 0: Okay. Perfect. So what I have done is I have just sent you an email with some documents. Sometimes it ends up in the spam folder as well.\n\nChannel 1: Got the email you sent me with that signature and stuff?\n\nChannel 0: Yes. That's the one.\n\nChannel 1: Yeah.\n\nChannel 0: So it might look a little bit different to what you are used to before because we have recently changed the software. But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments?\n\nChannel 1: Super and summary pay year.\n\nChannel 0: Yes. That's the one. Yep. So if you can open that one for me, the super and insurance summary first, that'll be good. Just let me know when you can see that one.\n\nOkay? That's okay. Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them. And then\n\nChannel 1: Yeah.\n\nChannel 0: when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier.\n\nChannel 1: Okay. Yeah. That'll\n\nChannel 0: And\n\nChannel 1: work.\n\nChannel 0: then if you have any questions, you can just give me a callback. Is that okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation. So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there. Now you also have your c bus insurance and super that was kind of kept open to keep your insurances.\n\nSo the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows\n\nChannel 1: Yep.\n\nChannel 0: me to do is just to get some updated information and research on your super just so that\n\nChannel 1: Okay.\n\nChannel 0: I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you. So I will get the team to send that to you as well over email. And if you can when you have the option to do so, just print that, sign it, and send it back to me. I will then send it off to see that, do some research on the account. And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth.\n\nI'll present it all to you, and then you can let me know if you are happy with the change or not at the end.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now sometimes it does take a little bit for C Bus to lower that. So what I might do is I'll wait for you to return the TPA. As soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that.\n\nIs that okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report. That one does break down your individual investments and how they have performed over the last twelve months. Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well.\n\nSo in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market.\n\nChannel 1: Yeah. Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost.\n\nChannel 0: Yes. Yes. So it's very much also with did send you a statement or anything recently?\n\nChannel 1: No. They just keep sending me letters to say that I should put money in to to to pay for it.\n\nChannel 0: Yeah. Sorry. I will review that for you as well. So part of the research is I can look at how the money is invested in CBA. Now they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that.\n\nWe obviously\n\nChannel 1: Yeah.\n\nChannel 0: wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus. And if we do wanna change it to something else to to put this, you know, a little bit better. So I will look at that when I do research things for you as well just to\n\nChannel 1: Okay.\n\nChannel 0: see. And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change. Just do a bit more deep dive into the investments because things are always changing. And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from. And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position.\n\nSo when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now, otherwise, you will see in the email, you will see a financial services guide and their services guide. You would have seen this before. It's just a bit of an updated document.\n\nIt's one of those compliance forms, but everything you need to know about us is in there. Nothing has really changed in terms of the important information. There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice. And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents. Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.\n\nThere is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super. No changes in regards to that. And as per usual, there's no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, signing this allows you to remain on as a client, and we can keep that.\n\nChannel 1: Okay.\n\nChannel 0: Yep. And the last one, Em, is just a compliance form. It's just a tax file number form just to say that we are keeping your tax file number secure on file. Now,\n\nChannel 1: Okay.\n\nChannel 0: Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward?\n\nChannel 1: Not so pretty stressful.\n\nChannel 0: Yep. Okay. Perfect. Well, I will, let you go so you don't have to sit in your car. Like I said, I will get the team to send you an email with that TPA for CBA.\n\nSo as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account. Okay. Perfect. Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again.\n\nChannel 1: Okay. Okay. Thank you very\n\nChannel 0: No problem at all. We'll speak soon, Steven.\n\nChannel 1: Bye.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":1.12,"end":1.76,"sentiment":"neutral","sentiment_score":0.15674153715372086},{"text":"It's Veronica.","start":1.76,"end":2.5,"sentiment":"neutral","sentiment_score":0.1708364263176918},{"text":"How are you?","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.22455860674381256}],"sentiment":"neutral","sentiment_score":0.18983310673918044,"channel":0,"num_words":7,"start":1.12,"end":3.3799999},{"sentences":[{"text":"Hello, Roni.","start":3.6,"end":4.42,"sentiment":"neutral","sentiment_score":0.11766451597213745}],"sentiment":"neutral","sentiment_score":0.11766451597213745,"channel":1,"num_words":2,"start":3.6,"end":4.42},{"sentences":[{"text":"Got all sorted now?","start":5.68,"end":7.06,"sentiment":"neutral","sentiment_score":0.20950963720679283}],"sentiment":"neutral","sentiment_score":0.20950963720679283,"channel":0,"num_words":4,"start":5.68,"end":7.06},{"sentences":[{"text":"Yes.","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.16676923632621765}],"sentiment":"neutral","sentiment_score":0.16676923632621765,"channel":1,"num_words":1,"start":7.68,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.18194237351417544}],"sentiment":"neutral","sentiment_score":0.18194237351417544,"channel":0,"num_words":1,"start":8.48,"end":8.98},{"sentences":[{"text":"Yes.","start":8.88,"end":9.38,"sentiment":"neutral","sentiment_score":0.2338401675224304}],"sentiment":"neutral","sentiment_score":0.2338401675224304,"channel":1,"num_words":1,"start":8.88,"end":9.38},{"sentences":[{"text":"Perfect.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.4792669415473938},{"text":"Now are you driving at the moment?","start":11.44,"end":14.259999,"sentiment":"neutral","sentiment_score":0.10853598745805877}],"sentiment":"neutral","sentiment_score":0.15487735671922565,"channel":0,"num_words":8,"start":9.04,"end":14.259999},{"sentences":[{"text":"Nope.","start":14.535,"end":14.855,"sentiment":"neutral","sentiment_score":-0.05609431117773056},{"text":"It's sitting in","start":14.855,"end":15.974999,"sentiment":"neutral","sentiment_score":-0.04698337987065315}],"sentiment":"neutral","sentiment_score":-0.049261112697422504,"channel":1,"num_words":4,"start":14.535,"end":15.974999},{"sentences":[{"text":"No.","start":15.825,"end":16.325,"sentiment":"neutral","sentiment_score":-0.06303556263446808}],"sentiment":"neutral","sentiment_score":-0.06303556263446808,"channel":0,"num_words":1,"start":15.825,"end":16.325},{"sentences":[{"text":"the top up.","start":15.974999,"end":16.875,"sentiment":"neutral","sentiment_score":-0.04743235309918722}],"sentiment":"neutral","sentiment_score":-0.04743235309918722,"channel":1,"num_words":3,"start":15.974999,"end":16.875},{"sentences":[{"text":"Okay.","start":17.105,"end":17.605,"sentiment":"neutral","sentiment_score":0.12600398063659668},{"text":"Perfect.","start":17.744999,"end":18.244999,"sentiment":"positive","sentiment_score":0.3391740024089813},{"text":"So what I'll do is I have just sent you an email with some documents to run through with you.","start":19.505,"end":25.525,"sentiment":"neutral","sentiment_score":0.150861606746912},{"text":"But","start":26.145,"end":26.305,"sentiment":"neutral","sentiment_score":0.07705098390579224}],"sentiment":"neutral","sentiment_score":0.15475917834302652,"channel":0,"num_words":23,"start":17.105,"end":26.305},{"sentences":[{"text":"Yep.","start":26.215,"end":26.715,"sentiment":"neutral","sentiment_score":0.06860210001468658}],"sentiment":"neutral","sentiment_score":0.06860210001468658,"channel":1,"num_words":1,"start":26.215,"end":26.715},{"sentences":[{"text":"before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all.","start":26.305,"end":37.699997,"sentiment":"neutral","sentiment_score":0.01858568572927089},{"text":"So kind of just bear with me as I go through this information.","start":39.135002,"end":42.115,"sentiment":"neutral","sentiment_score":0.10362102578465755},{"text":"I will try to make it quick for you so you don't have to stay in the car for too long.","start":42.575,"end":46.595,"sentiment":"neutral","sentiment_score":0.11382442836960156}],"sentiment":"neutral","sentiment_score":0.05944717278409945,"channel":0,"num_words":76,"start":26.305,"end":46.595},{"sentences":[{"text":"Okay.","start":47.414997,"end":47.914997,"sentiment":"neutral","sentiment_score":0.08016319572925568}],"sentiment":"neutral","sentiment_score":0.08016319572925568,"channel":1,"num_words":1,"start":47.414997,"end":47.914997},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence.","start":48.335,"end":57.68,"sentiment":"neutral","sentiment_score":0.10349867015105227}],"sentiment":"neutral","sentiment_score":0.10349867015105227,"channel":0,"num_words":23,"start":48.335,"end":57.68},{"sentences":[{"text":"Yes.","start":57.61,"end":58.11,"sentiment":"neutral","sentiment_score":0.08367195725440979}],"sentiment":"neutral","sentiment_score":0.08367195725440979,"channel":1,"num_words":1,"start":57.61,"end":58.11},{"sentences":[{"text":"Is that correct?","start":57.82,"end":58.64,"sentiment":"neutral","sentiment_score":0.09118087341388066},{"text":"Yes.","start":60.14,"end":60.54,"sentiment":"neutral","sentiment_score":0.1508520245552063},{"text":"Perfect.","start":60.54,"end":61.04,"sentiment":"neutral","sentiment_score":0.3176059126853943},{"text":"And I have next of kin nominated Andrew Gilbert.","start":61.82,"end":66.0,"sentiment":"neutral","sentiment_score":0.18914593425061968},{"text":"Is that still the case as well?","start":66.14,"end":67.92,"sentiment":"neutral","sentiment_score":0.13972398745162146}],"sentiment":"neutral","sentiment_score":0.1629705656142462,"channel":0,"num_words":21,"start":57.82,"end":67.92},{"sentences":[{"text":"Yes.","start":68.25,"end":68.57,"sentiment":"neutral","sentiment_score":0.06282249093055725},{"text":"That's my second.","start":68.57,"end":69.55,"sentiment":"neutral","sentiment_score":0.0719769299030304}],"sentiment":"neutral","sentiment_score":0.06968832015991211,"channel":1,"num_words":4,"start":68.25,"end":69.55},{"sentences":[{"text":"Yep.","start":69.454994,"end":69.954994,"sentiment":"neutral","sentiment_score":0.1265079528093338},{"text":"Perfect.","start":70.174995,"end":70.674995,"sentiment":"neutral","sentiment_score":0.20000621676445007},{"text":"And his phone number hasn't changed, still ends with 176?","start":71.055,"end":75.395,"sentiment":"neutral","sentiment_score":0.05808834955096245}],"sentiment":"neutral","sentiment_score":0.07561647209028403,"channel":0,"num_words":12,"start":69.454994,"end":75.395},{"sentences":[{"text":"Yes.","start":76.955,"end":77.455,"sentiment":"neutral","sentiment_score":0.04016600549221039}],"sentiment":"neutral","sentiment_score":0.04016600549221039,"channel":1,"num_words":1,"start":76.955,"end":77.455},{"sentences":[{"text":"Yep.","start":77.935,"end":78.335,"sentiment":"neutral","sentiment_score":0.056732796132564545},{"text":"Perfect.","start":78.335,"end":78.835,"sentiment":"neutral","sentiment_score":0.1103823184967041},{"text":"Now when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker?","start":79.295,"end":85.93,"sentiment":"neutral","sentiment_score":0.022013042418455534}],"sentiment":"neutral","sentiment_score":0.027141751993137102,"channel":0,"num_words":24,"start":77.935,"end":85.93},{"sentences":[{"text":"Still working in the boiler market in Goulburn, FTR.","start":86.96001,"end":89.54,"sentiment":"neutral","sentiment_score":0.022722506895661354},{"text":"Yes.","start":89.600006,"end":90.100006,"sentiment":"neutral","sentiment_score":0.07403130829334259}],"sentiment":"neutral","sentiment_score":0.02785338703542948,"channel":1,"num_words":10,"start":86.96001,"end":90.100006},{"sentences":[{"text":"Perfect.","start":90.95,"end":91.45,"sentiment":"neutral","sentiment_score":0.17182090878486633},{"text":"Working full time?","start":91.75,"end":93.05,"sentiment":"neutral","sentiment_score":0.1406470090150833},{"text":"Yes.","start":94.39,"end":94.79,"sentiment":"neutral","sentiment_score":0.1652965247631073},{"text":"Perfect.","start":94.79,"end":95.19,"sentiment":"neutral","sentiment_score":0.2827892303466797},{"text":"And do you enjoy it?","start":95.19,"end":96.409996,"sentiment":"neutral","sentiment_score":0.22446816563606262}],"sentiment":"neutral","sentiment_score":0.19674441082911057,"channel":0,"num_words":11,"start":90.95,"end":96.409996},{"sentences":[{"text":"I like to work.","start":98.08501,"end":99.205,"sentiment":"neutral","sentiment_score":0.13340475782752037},{"text":"Sometimes the people are a bit much, but","start":99.205,"end":101.305,"sentiment":"neutral","sentiment_score":0.017625866224989295}],"sentiment":"neutral","sentiment_score":0.05621883009249965,"channel":1,"num_words":12,"start":98.08501,"end":101.305},{"sentences":[{"text":"Yeah.","start":102.454994,"end":102.854996,"sentiment":"neutral","sentiment_score":0.028905672952532768},{"text":"Well, pays the bill and at least enjoy the work.","start":102.854996,"end":105.015,"sentiment":"neutral","sentiment_score":0.14009046629071237},{"text":"But yeah.","start":105.015,"end":105.674995,"sentiment":"neutral","sentiment_score":-0.02908923104405403}],"sentiment":"neutral","sentiment_score":0.10551014413627294,"channel":0,"num_words":13,"start":102.454994,"end":105.674995},{"sentences":[{"text":"yeah.","start":106.40501,"end":106.90501,"sentiment":"neutral","sentiment_score":-0.06174943223595619}],"sentiment":"neutral","sentiment_score":-0.06174943223595619,"channel":1,"num_words":1,"start":106.40501,"end":106.90501},{"sentences":[{"text":"You can't really choose who you work with that time.","start":106.534996,"end":108.875,"sentiment":"neutral","sentiment_score":-0.10139950104057789},{"text":"Now I have income here at 85,000.","start":110.340004,"end":112.98,"sentiment":"neutral","sentiment_score":-0.031105344582881247},{"text":"Is that still roughly the case?","start":112.98,"end":114.5,"sentiment":"neutral","sentiment_score":-0.01360832496235768},{"text":"Yep.","start":114.5,"end":115.0,"sentiment":"neutral","sentiment_score":0.04061480239033699}],"sentiment":"neutral","sentiment_score":-0.05303198207790653,"channel":0,"num_words":24,"start":106.534996,"end":115.0},{"sentences":[{"text":"Yep.","start":115.090004,"end":115.41,"sentiment":"neutral","sentiment_score":0.06570465117692947},{"text":"Proper.","start":115.41,"end":115.81,"sentiment":"neutral","sentiment_score":0.1247538924217224},{"text":"Yep.","start":115.81,"end":116.31,"sentiment":"neutral","sentiment_score":0.10861551016569138}],"sentiment":"neutral","sentiment_score":0.09969135125478108,"channel":1,"num_words":3,"start":115.090004,"end":116.31},{"sentences":[{"text":"Yep.","start":116.58,"end":117.06,"sentiment":"neutral","sentiment_score":0.1418185532093048},{"text":"Perfect.","start":117.06,"end":117.56,"sentiment":"neutral","sentiment_score":0.2507078945636749},{"text":"And now I have here as well the employer does pay 12% contribution into super, so just like that standard.","start":118.9,"end":125.634995,"sentiment":"neutral","sentiment_score":0.13031405061483384},{"text":"And you're not currently making any extra contributions.","start":126.335,"end":128.995,"sentiment":"neutral","sentiment_score":0.009812802542001009},{"text":"That's all correct as well?","start":129.135,"end":130.515,"sentiment":"neutral","sentiment_score":0.08445397466421127}],"sentiment":"neutral","sentiment_score":0.0999879929636206,"channel":0,"num_words":35,"start":116.58,"end":130.515},{"sentences":[{"text":"Yes.","start":131.255,"end":131.655,"sentiment":"neutral","sentiment_score":0.08060771226882935},{"text":"That's 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time.","start":541.265,"end":542.945,"sentiment":"neutral","sentiment_score":0.012180849350988865},{"text":"Well, right now, you need a thousand dollars a week.","start":542.945,"end":545.125,"sentiment":"neutral","sentiment_score":0.008417975157499313}],"sentiment":"neutral","sentiment_score":0.008922670295255052,"channel":1,"num_words":18,"start":538.945,"end":545.125},{"sentences":[{"text":"Yeah.","start":546.42505,"end":546.825,"sentiment":"neutral","sentiment_score":0.06712120771408081},{"text":"It's I'll update it to a thousand, and that's honestly what most people say right now.","start":546.825,"end":550.265,"sentiment":"neutral","sentiment_score":0.09113654610700905},{"text":"And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky.","start":550.265,"end":557.885,"sentiment":"neutral","sentiment_score":-0.043375457695219666},{"text":"But","start":558.42505,"end":558.66504,"sentiment":"neutral","sentiment_score":0.021117419004440308}],"sentiment":"neutral","sentiment_score":0.003168174363672733,"channel":0,"num_words":50,"start":546.42505,"end":558.66504},{"sentences":[{"text":"Yep.","start":558.6,"end":559.1,"sentiment":"neutral","sentiment_score":0.03159633278846741}],"sentiment":"neutral","sentiment_score":0.03159633278846741,"channel":1,"num_words":1,"start":558.6,"end":559.1},{"sentences":[{"text":"most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement.","start":558.66504,"end":566.82996,"sentiment":"neutral","sentiment_score":0.031134722870774567},{"text":"So I'll just change that to about 1,000 per week because that's what most people does as","start":567.85,"end":573.29,"sentiment":"neutral","sentiment_score":0.08650889685925316}],"sentiment":"neutral","sentiment_score":0.05966081250120293,"channel":0,"num_words":33,"start":558.66504,"end":573.29},{"sentences":[{"text":"Yep.","start":573.09,"end":573.59,"sentiment":"neutral","sentiment_score":0.06967969983816147}],"sentiment":"neutral","sentiment_score":0.06967969983816147,"channel":1,"num_words":1,"start":573.09,"end":573.59},{"sentences":[{"text":"well.","start":573.29,"end":573.645,"sentiment":"neutral","sentiment_score":0.1159798428416252},{"text":"Okay.","start":574.525,"end":575.005,"sentiment":"neutral","sentiment_score":0.23515915870666504},{"text":"Perfect.","start":575.005,"end":575.505,"sentiment":"positive","sentiment_score":0.4718659520149231},{"text":"Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation.","start":576.205,"end":586.065,"sentiment":"neutral","sentiment_score":0.08207852486521006},{"text":"So think of these questions in regards to your superannuation.","start":587.25995,"end":590.48,"sentiment":"neutral","sentiment_score":0.04096245057880878}],"sentiment":"neutral","sentiment_score":0.08545829294895639,"channel":0,"num_words":49,"start":573.29,"end":590.48},{"sentences":[{"text":"Okay?","start":590.77997,"end":591.27997,"sentiment":"neutral","sentiment_score":0.026879694312810894}],"sentiment":"neutral","sentiment_score":0.026879694312810894,"channel":0,"num_words":1,"start":590.77997,"end":591.27997},{"sentences":[{"text":"Yep.","start":591.885,"end":592.385,"sentiment":"neutral","sentiment_score":0.04241616651415825}],"sentiment":"neutral","sentiment_score":0.04241616651415825,"channel":1,"num_words":1,"start":591.885,"end":592.385},{"sentences":[{"text":"Yep.","start":592.69995,"end":593.1,"sentiment":"neutral","sentiment_score":0.0610215924680233},{"text":"Perfect.","start":593.1,"end":593.6,"sentiment":"neutral","sentiment_score":0.23154066503047943},{"text":"Now have you ever bought direct shares yourself?","start":594.62,"end":598.0,"sentiment":"neutral","sentiment_score":0.0368948036339134}],"sentiment":"neutral","sentiment_score":0.058772068656980994,"channel":0,"num_words":10,"start":592.69995,"end":598.0},{"sentences":[{"text":"Direct shares.","start":601.27,"end":602.41003,"sentiment":"neutral","sentiment_score":0.004861977882683277}],"sentiment":"neutral","sentiment_score":0.004861977882683277,"channel":1,"num_words":2,"start":601.27,"end":602.41003},{"sentences":[{"text":"On, like, the stock market, have you ever bought shares into a company?","start":602.955,"end":606.815,"sentiment":"neutral","sentiment_score":0.009698190511419224}],"sentiment":"neutral","sentiment_score":0.009698190511419224,"channel":0,"num_words":13,"start":602.955,"end":606.815},{"sentences":[{"text":"I did try it once and failed.","start":610.415,"end":612.095,"sentiment":"neutral","sentiment_score":-0.07269762456417084},{"text":"I gave up on it.","start":612.095,"end":613.31494,"sentiment":"neutral","sentiment_score":-0.1643094852566719}],"sentiment":"neutral","sentiment_score":-0.11086923318604629,"channel":1,"num_words":12,"start":610.415,"end":613.31494},{"sentences":[{"text":"Okay.","start":613.53,"end":614.03,"sentiment":"neutral","sentiment_score":-0.03989578038454056},{"text":"You don't have any at the moment?","start":614.09,"end":615.63,"sentiment":"neutral","sentiment_score":-0.09174886345863342}],"sentiment":"neutral","sentiment_score":-0.08526722807437181,"channel":0,"num_words":8,"start":613.53,"end":615.63},{"sentences":[{"text":"No.","start":616.095,"end":616.595,"sentiment":"neutral","sentiment_score":-0.14745530486106873}],"sentiment":"neutral","sentiment_score":-0.14745530486106873,"channel":1,"num_words":1,"start":616.095,"end":616.595},{"sentences":[{"text":"No.","start":616.89,"end":617.39,"sentiment":"neutral","sentiment_score":-0.14449509978294373},{"text":"Alright.","start":618.89,"end":619.37,"sentiment":"neutral","sentiment_score":-0.04292948171496391},{"text":"Perfect.","start":619.37,"end":619.87,"sentiment":"neutral","sentiment_score":0.0318673811852932},{"text":"Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing.","start":622.09,"end":628.115,"sentiment":"neutral","sentiment_score":-0.14451869683606283},{"text":"Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term?","start":628.815,"end":640.435,"sentiment":"neutral","sentiment_score":-0.10896910102786245}],"sentiment":"neutral","sentiment_score":-0.11501251285274823,"channel":0,"num_words":54,"start":616.89,"end":640.435},{"sentences":[{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":641.02997,"end":650.64996,"sentiment":"neutral","sentiment_score":-0.07599889130696007}],"sentiment":"neutral","sentiment_score":-0.07599889130696007,"channel":0,"num_words":23,"start":641.02997,"end":650.64996},{"sentences":[{"text":"Yeah.","start":650.325,"end":650.825,"sentiment":"neutral","sentiment_score":0.02360016666352749},{"text":"I think I put on order at last time.","start":651.685,"end":653.685,"sentiment":"neutral","sentiment_score":0.041338380012247294},{"text":"So","start":653.685,"end":654.18,"sentiment":"neutral","sentiment_score":0.08418076485395432}],"sentiment":"neutral","sentiment_score":0.04362057742070068,"channel":1,"num_words":11,"start":650.325,"end":654.18},{"sentences":[{"text":"Yes.","start":654.40497,"end":654.805,"sentiment":"neutral","sentiment_score":0.12254129350185394},{"text":"You did.","start":654.805,"end":655.545,"sentiment":"neutral","sentiment_score":0.13539906963706017},{"text":"Alright.","start":656.485,"end":656.885,"sentiment":"neutral","sentiment_score":0.18439379334449768},{"text":"Perfect.","start":656.885,"end":657.385,"sentiment":"neutral","sentiment_score":0.04990658536553383},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":658.325,"end":673.74,"sentiment":"neutral","sentiment_score":-0.28937046974897385}],"sentiment":"neutral","sentiment_score":-0.24112646602267443,"channel":0,"num_words":43,"start":654.40497,"end":673.74},{"sentences":[{"text":"So not one particular investment, just the market as a whole.","start":673.74,"end":677.04004,"sentiment":"neutral","sentiment_score":-0.2129283439029347},{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped.","start":677.58,"end":696.15,"sentiment":"neutral","sentiment_score":-0.0576819692666714}],"sentiment":"neutral","sentiment_score":-0.08015183927981477,"channel":0,"num_words":76,"start":673.74,"end":696.15},{"sentences":[{"text":"When the market is down, when is the best 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potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious?","start":727.86,"end":739.24,"sentiment":"neutral","sentiment_score":0.08463668742257616}],"sentiment":"neutral","sentiment_score":0.12049304844381717,"channel":0,"num_words":52,"start":710.375,"end":739.24},{"sentences":[{"text":"Well, losing money always makes me anxious, but","start":741.55,"end":743.97003,"sentiment":"neutral","sentiment_score":-0.26948159374296665}],"sentiment":"neutral","sentiment_score":-0.26948159374296665,"channel":1,"num_words":8,"start":741.55,"end":743.97003},{"sentences":[{"text":"Yep.","start":744.08496,"end":744.58496,"sentiment":"neutral","sentiment_score":-0.11881046742200851},{"text":"So kind of a bit more anxious if you saw it 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situation.","start":751.15497,"end":754.055,"sentiment":"neutral","sentiment_score":-0.19457174589236578}],"sentiment":"neutral","sentiment_score":-0.17266940120607616,"channel":1,"num_words":10,"start":750.835,"end":754.055},{"sentences":[{"text":"Yes.","start":755.01996,"end":755.51996,"sentiment":"neutral","sentiment_score":-0.015509504824876784},{"text":"No.","start":755.57996,"end":756.07996,"sentiment":"neutral","sentiment_score":-0.06395173072814941},{"text":"And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property?","start":758.22,"end":766.07996,"sentiment":"neutral","sentiment_score":-0.023923211815682324}],"sentiment":"neutral","sentiment_score":-0.025240495645751555,"channel":0,"num_words":24,"start":755.01996,"end":766.07996},{"sentences":[{"text":"No.","start":768.63,"end":768.87,"sentiment":"neutral","sentiment_score":-0.10307160019874571},{"text":"I'd have to have a property to live in 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yourself?","start":772.195,"end":776.135,"sentiment":"neutral","sentiment_score":-0.008508265018463135}],"sentiment":"neutral","sentiment_score":-0.008508265018463135,"channel":0,"num_words":12,"start":772.195,"end":776.135},{"sentences":[{"text":"Yes.","start":777.165,"end":777.665,"sentiment":"neutral","sentiment_score":0.05469756573438645}],"sentiment":"neutral","sentiment_score":0.05469756573438645,"channel":1,"num_words":1,"start":777.165,"end":777.665},{"sentences":[{"text":"Yes.","start":778.275,"end":778.71,"sentiment":"neutral","sentiment_score":0.0829126238822937},{"text":"Okay.","start":778.95,"end":779.45,"sentiment":"neutral","sentiment_score":0.16722311079502106},{"text":"Perfect.","start":779.51,"end":780.01,"sentiment":"neutral","sentiment_score":0.3017770051956177},{"text":"Now, Steven, that tells me here that you have come out as a 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it?","start":797.39996,"end":799.42,"sentiment":"neutral","sentiment_score":0.04711677102992932}],"sentiment":"neutral","sentiment_score":0.04711677102992932,"channel":1,"num_words":6,"start":797.39996,"end":799.42},{"sentences":[{"text":"Yeah.","start":799.605,"end":799.925,"sentiment":"neutral","sentiment_score":0.10460683703422546},{"text":"Kind of.","start":799.925,"end":800.32495,"sentiment":"neutral","sentiment_score":0.10430709645152092},{"text":"So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement.","start":800.32495,"end":808.63,"sentiment":"neutral","sentiment_score":0.20727551196302688},{"text":"But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that.","start":810.29004,"end":816.95,"sentiment":"neutral","sentiment_score":0.20366922511081947},{"text":"So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive.","start":817.17004,"end":822.52496,"sentiment":"neutral","sentiment_score":0.09807266216529043}],"sentiment":"neutral","sentiment_score":0.17173958294417546,"channel":0,"num_words":69,"start":799.605,"end":822.52496},{"sentences":[{"text":"So kind of somewhere where you're focusing on growth, just not high growth or, you know, super high.","start":822.52496,"end":827.825,"sentiment":"neutral","sentiment_score":0.18485446646809578},{"text":"And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets.","start":828.365,"end":838.95,"sentiment":"neutral","sentiment_score":0.2422147779553025},{"text":"So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation.","start":839.41,"end":847.11,"sentiment":"positive","sentiment_score":0.3784744767915635},{"text":"And then we do have about 20% in defensive 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tricky?","start":890.15497,"end":894.65497,"sentiment":"neutral","sentiment_score":-0.08848646020188052}],"sentiment":"neutral","sentiment_score":0.03608849162066525,"channel":0,"num_words":44,"start":880.955,"end":894.65497},{"sentences":[{"text":"I'll have a look.","start":895.675,"end":896.65497,"sentiment":"neutral","sentiment_score":0.020606715232133865}],"sentiment":"neutral","sentiment_score":0.020606715232133865,"channel":1,"num_words":4,"start":895.675,"end":896.65497},{"sentences":[{"text":"Okay.","start":897.14,"end":897.64,"sentiment":"neutral","sentiment_score":0.137595996260643},{"text":"Perfect.","start":897.94,"end":898.44,"sentiment":"neutral","sentiment_score":0.2855129837989807},{"text":"So what I have done is I have just sent you an email with some documents.","start":898.5,"end":903.4,"sentiment":"neutral","sentiment_score":0.041436757892370224},{"text":"Sometimes it ends up in the spam folder as well.","start":904.42004,"end":907.64,"sentiment":"neutral","sentiment_score":-0.08529357425868511}],"sentiment":"neutral","sentiment_score":0.008327191562524863,"channel":0,"num_words":28,"start":897.14,"end":907.64},{"sentences":[{"text":"Got the email you sent me with that signature and stuff?","start":918.575,"end":922.11505,"sentiment":"neutral","sentiment_score":0.018445866521109234}],"sentiment":"neutral","sentiment_score":0.018445866521109234,"channel":1,"num_words":11,"start":918.575,"end":922.11505},{"sentences":[{"text":"Yes.","start":922.36,"end":922.76,"sentiment":"neutral","sentiment_score":0.05388675630092621},{"text":"That's the one.","start":922.76,"end":923.66,"sentiment":"neutral","sentiment_score":0.04359012718002001}],"sentiment":"neutral","sentiment_score":0.04616428446024656,"channel":0,"num_words":4,"start":922.36,"end":923.66},{"sentences":[{"text":"Yeah.","start":923.53503,"end":924.03503,"sentiment":"neutral","sentiment_score":0.04231296479701996}],"sentiment":"neutral","sentiment_score":0.04231296479701996,"channel":1,"num_words":1,"start":923.53503,"end":924.03503},{"sentences":[{"text":"So it might look a little bit different to what you are used to before because we have recently changed the software.","start":923.8,"end":929.33997,"sentiment":"neutral","sentiment_score":-0.01962112762372602},{"text":"But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments?","start":930.51996,"end":938.80505,"sentiment":"neutral","sentiment_score":0.02578441118416579}],"sentiment":"neutral","sentiment_score":0.003586147766974237,"channel":0,"num_words":45,"start":923.8,"end":938.80505},{"sentences":[{"text":"Super and summary pay year.","start":948.82495,"end":950.605,"sentiment":"neutral","sentiment_score":0.12648374885320662}],"sentiment":"neutral","sentiment_score":0.12648374885320662,"channel":1,"num_words":5,"start":948.82495,"end":950.605},{"sentences":[{"text":"Yes.","start":950.95996,"end":951.36,"sentiment":"neutral","sentiment_score":0.21341702342033383},{"text":"That's the one.","start":951.36,"end":952.0,"sentiment":"neutral","sentiment_score":0.253452201684316},{"text":"Yep.","start":952.0,"end":952.5,"sentiment":"neutral","sentiment_score":0.3166756331920624},{"text":"So if you can open that one for me, the super and insurance summary first, that'll be good.","start":952.63995,"end":957.54,"sentiment":"positive","sentiment_score":0.3667396754026413},{"text":"Just let me know when you can see that one.","start":965.77496,"end":967.77496,"sentiment":"neutral","sentiment_score":0.18936265408992767}],"sentiment":"neutral","sentiment_score":0.2965269684791565,"channel":0,"num_words":33,"start":950.95996,"end":967.77496},{"sentences":[{"text":"Okay?","start":967.77496,"end":968.27496,"sentiment":"neutral","sentiment_score":0.16307717561721802},{"text":"That's okay.","start":979.79,"end":980.61,"sentiment":"neutral","sentiment_score":0.2210199534893036},{"text":"Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them.","start":994.04504,"end":1000.04,"sentiment":"neutral","sentiment_score":-0.005368882169326146},{"text":"And then","start":1000.5,"end":1001.14,"sentiment":"neutral","sentiment_score":0.06472905725240707}],"sentiment":"neutral","sentiment_score":0.023916487367107317,"channel":0,"num_words":26,"start":967.77496,"end":1001.14},{"sentences":[{"text":"Yeah.","start":1000.84,"end":1001.34,"sentiment":"neutral","sentiment_score":-0.01987336575984955}],"sentiment":"neutral","sentiment_score":-0.01987336575984955,"channel":1,"num_words":1,"start":1000.84,"end":1001.34},{"sentences":[{"text":"when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier.","start":1001.14,"end":1006.36,"sentiment":"neutral","sentiment_score":0.08733889072512586}],"sentiment":"neutral","sentiment_score":0.08733889072512586,"channel":0,"num_words":24,"start":1001.14,"end":1006.36},{"sentences":[{"text":"Okay.","start":1006.095,"end":1006.495,"sentiment":"neutral","sentiment_score":0.10894731432199478},{"text":"Yeah.","start":1006.495,"end":1006.815,"sentiment":"neutral","sentiment_score":0.1362280398607254},{"text":"That'll","start":1006.815,"end":1007.135,"sentiment":"neutral","sentiment_score":0.1942295283079147}],"sentiment":"neutral","sentiment_score":0.14646829416354498,"channel":1,"num_words":3,"start":1006.095,"end":1007.135},{"sentences":[{"text":"And","start":1006.98,"end":1007.14,"sentiment":"neutral","sentiment_score":0.16068558394908905}],"sentiment":"neutral","sentiment_score":0.16068558394908905,"channel":0,"num_words":1,"start":1006.98,"end":1007.14},{"sentences":[{"text":"work.","start":1007.135,"end":1007.635,"sentiment":"neutral","sentiment_score":0.21565906703472135}],"sentiment":"neutral","sentiment_score":0.21565906703472135,"channel":1,"num_words":1,"start":1007.135,"end":1007.635},{"sentences":[{"text":"then if you have any questions, you can just give me a callback.","start":1007.14,"end":1009.62,"sentiment":"neutral","sentiment_score":0.1142724809738306},{"text":"Is that okay?","start":1009.62,"end":1010.44,"sentiment":"neutral","sentiment_score":0.10515490919351578}],"sentiment":"neutral","sentiment_score":0.11256293626502156,"channel":0,"num_words":16,"start":1007.14,"end":1010.44},{"sentences":[{"text":"Okay.","start":1010.815,"end":1011.315,"sentiment":"neutral","sentiment_score":0.1344490349292755}],"sentiment":"neutral","sentiment_score":0.1344490349292755,"channel":1,"num_words":1,"start":1010.815,"end":1011.315},{"sentences":[{"text":"Yeah.","start":1011.715,"end":1012.115,"sentiment":"positive","sentiment_score":0.3773883581161499},{"text":"Perfect.","start":1012.115,"end":1012.615,"sentiment":"positive","sentiment_score":0.6795846223831177},{"text":"Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation.","start":1013.315,"end":1021.815,"sentiment":"neutral","sentiment_score":0.30988736550013224},{"text":"So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there.","start":1022.03503,"end":1031.89,"sentiment":"neutral","sentiment_score":0.17845391286046883},{"text":"Now you also have your c bus insurance and super that was kind of kept open to keep your insurances.","start":1032.35,"end":1039.0901,"sentiment":"neutral","sentiment_score":0.07140956241637468}],"sentiment":"neutral","sentiment_score":0.21369590898844557,"channel":0,"num_words":71,"start":1011.715,"end":1039.0901},{"sentences":[{"text":"So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you.","start":1040.425,"end":1048.265,"sentiment":"neutral","sentiment_score":0.00308751031756401},{"text":"Now C Bus also needs that to be wet signed.","start":1048.265,"end":1051.9651,"sentiment":"neutral","sentiment_score":0.002713001519441605},{"text":"So in the email with the beneficiary forms, if you don't mind, I will send a new TPA.","start":1052.21,"end":1057.91,"sentiment":"neutral","sentiment_score":0.0820365043150054},{"text":"All that allows","start":1058.61,"end":1059.41,"sentiment":"neutral","sentiment_score":0.17073871195316315}],"sentiment":"neutral","sentiment_score":0.03737841047612684,"channel":0,"num_words":56,"start":1040.425,"end":1059.41},{"sentences":[{"text":"Yep.","start":1059.04,"end":1059.54,"sentiment":"neutral","sentiment_score":0.21651391685009003}],"sentiment":"neutral","sentiment_score":0.21651391685009003,"channel":1,"num_words":1,"start":1059.04,"end":1059.54},{"sentences":[{"text":"me to do is just to get some updated information and research on your super just so that","start":1059.41,"end":1064.865,"sentiment":"neutral","sentiment_score":0.17707926117711598}],"sentiment":"neutral","sentiment_score":0.17707926117711598,"channel":0,"num_words":18,"start":1059.41,"end":1064.865},{"sentences":[{"text":"Okay.","start":1064.645,"end":1065.145,"sentiment":"neutral","sentiment_score":0.21545448899269104}],"sentiment":"neutral","sentiment_score":0.21545448899269104,"channel":1,"num_words":1,"start":1064.645,"end":1065.145},{"sentences":[{"text":"I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you.","start":1064.865,"end":1077.66,"sentiment":"positive","sentiment_score":0.36845180086600476},{"text":"So I will get the team to send that to you as well over email.","start":1078.14,"end":1083.6,"sentiment":"neutral","sentiment_score":0.29716857671737673},{"text":"And if you can when you have the option to do so, just print that, sign it, and send it back to me.","start":1084.38,"end":1090.9601,"sentiment":"neutral","sentiment_score":0.19839052855968475},{"text":"I will then send it off to see that, do some research on the account.","start":1091.4049,"end":1095.825,"sentiment":"neutral","sentiment_score":0.23266185224056243},{"text":"And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth.","start":1096.0449,"end":1106.82,"sentiment":"neutral","sentiment_score":0.20095164630864118}],"sentiment":"neutral","sentiment_score":0.2660098429336104,"channel":0,"num_words":129,"start":1064.865,"end":1106.82},{"sentences":[{"text":"I'll present it all to you, and then you can let me know if you are happy with the change or not at the end.","start":1107.38,"end":1113.5599,"sentiment":"neutral","sentiment_score":0.24971521109342576}],"sentiment":"neutral","sentiment_score":0.24971521109342576,"channel":0,"num_words":25,"start":1107.38,"end":1113.5599},{"sentences":[{"text":"Okay.","start":1114.47,"end":1114.97,"sentiment":"neutral","sentiment_score":0.13657516241073608}],"sentiment":"neutral","sentiment_score":0.13657516241073608,"channel":1,"num_words":1,"start":1114.47,"end":1114.97},{"sentences":[{"text":"Does that make sense?","start":1115.22,"end":1116.2799,"sentiment":"neutral","sentiment_score":0.12102008238434792}],"sentiment":"neutral","sentiment_score":0.12102008238434792,"channel":0,"num_words":4,"start":1115.22,"end":1116.2799},{"sentences":[{"text":"Yep.","start":1116.71,"end":1117.21,"sentiment":"neutral","sentiment_score":0.1451300084590912}],"sentiment":"neutral","sentiment_score":0.1451300084590912,"channel":1,"num_words":1,"start":1116.71,"end":1117.21},{"sentences":[{"text":"Yeah.","start":1117.62,"end":1117.94,"sentiment":"neutral","sentiment_score":0.2397039234638214},{"text":"Perfect.","start":1117.94,"end":1118.44,"sentiment":"positive","sentiment_score":0.3612288236618042},{"text":"Now sometimes it does take a little bit for C Bus to lower that.","start":1119.345,"end":1122.705,"sentiment":"neutral","sentiment_score":-0.13102181362254278},{"text":"So what I might do is I'll wait for you to return the TPA.","start":1122.705,"end":1126.085,"sentiment":"neutral","sentiment_score":-0.05598675087094307},{"text":"As soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that.","start":1126.865,"end":1138.14,"sentiment":"neutral","sentiment_score":0.1719535879398647}],"sentiment":"neutral","sentiment_score":0.06642719391076003,"channel":0,"num_words":68,"start":1117.62,"end":1138.14},{"sentences":[{"text":"Is that okay?","start":1138.14,"end":1139.0399,"sentiment":"neutral","sentiment_score":0.11737396071354549}],"sentiment":"neutral","sentiment_score":0.11737396071354549,"channel":0,"num_words":3,"start":1138.14,"end":1139.0399},{"sentences":[{"text":"Yep.","start":1139.49,"end":1139.99,"sentiment":"neutral","sentiment_score":0.1206161603331566}],"sentiment":"neutral","sentiment_score":0.1206161603331566,"channel":1,"num_words":1,"start":1139.49,"end":1139.99},{"sentences":[{"text":"Yep.","start":1140.38,"end":1140.86,"sentiment":"neutral","sentiment_score":0.22628341615200043},{"text":"Perfect.","start":1140.86,"end":1141.36,"sentiment":"positive","sentiment_score":0.6007604598999023},{"text":"Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report.","start":1142.46,"end":1152.2949,"sentiment":"neutral","sentiment_score":0.2022676555705922},{"text":"That one does break down your individual investments and how they have performed over the last twelve months.","start":1152.9149,"end":1159.6549,"sentiment":"neutral","sentiment_score":0.22083385702636507},{"text":"Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well.","start":1160.195,"end":1168.4901,"sentiment":"neutral","sentiment_score":0.30903058678939427}],"sentiment":"neutral","sentiment_score":0.25230434643370764,"channel":0,"num_words":77,"start":1140.38,"end":1168.4901},{"sentences":[{"text":"So in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market.","start":1168.9501,"end":1181.4551,"sentiment":"positive","sentiment_score":0.5643115763006539}],"sentiment":"positive","sentiment_score":0.5643115763006539,"channel":0,"num_words":29,"start":1168.9501,"end":1181.4551},{"sentences":[{"text":"Yeah.","start":1182.955,"end":1183.275,"sentiment":"neutral","sentiment_score":0.003402287140488625},{"text":"Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost.","start":1183.275,"end":1189.15,"sentiment":"neutral","sentiment_score":-0.15942170251818263}],"sentiment":"neutral","sentiment_score":-0.15037592531492314,"channel":1,"num_words":18,"start":1182.955,"end":1189.15},{"sentences":[{"text":"Yes.","start":1190.5701,"end":1190.7301,"sentiment":"neutral","sentiment_score":0.00307454913854599},{"text":"Yes.","start":1190.7301,"end":1191.2301,"sentiment":"neutral","sentiment_score":0.009063290432095528},{"text":"So it's very much also with did send you a statement or anything recently?","start":1191.29,"end":1196.5901,"sentiment":"neutral","sentiment_score":0.007175390409039599}],"sentiment":"neutral","sentiment_score":0.0070370815810747445,"channel":0,"num_words":16,"start":1190.5701,"end":1196.5901},{"sentences":[{"text":"No.","start":1198.2051,"end":1198.4451,"sentiment":"negative","sentiment_score":-0.35808902978897095},{"text":"They just keep sending me letters to say that I should put money in to to to pay for it.","start":1198.4451,"end":1203.1051,"sentiment":"negative","sentiment_score":-0.41171705573797224}],"sentiment":"negative","sentiment_score":-0.40916334021659123,"channel":1,"num_words":21,"start":1198.2051,"end":1203.1051},{"sentences":[{"text":"Yeah.","start":1203.1449,"end":1203.6449,"sentiment":"neutral","sentiment_score":-0.1080724075436592},{"text":"Sorry.","start":1204.505,"end":1204.9049,"sentiment":"neutral","sentiment_score":-0.11362315714359283},{"text":"I will review that for you as well.","start":1204.9049,"end":1206.4249,"sentiment":"neutral","sentiment_score":-0.043297079391777515},{"text":"So part of the research is I can look at how the money is invested in CBA.","start":1206.4249,"end":1210.985,"sentiment":"neutral","sentiment_score":-0.013883200419299743},{"text":"Now they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that.","start":1210.985,"end":1219.99,"sentiment":"neutral","sentiment_score":-0.040568067724334786}],"sentiment":"neutral","sentiment_score":-0.03536715305277279,"channel":0,"num_words":56,"start":1203.1449,"end":1219.99},{"sentences":[{"text":"We obviously","start":1220.4501,"end":1220.93,"sentiment":"neutral","sentiment_score":-0.014270667918026446}],"sentiment":"neutral","sentiment_score":-0.014270667918026446,"channel":0,"num_words":2,"start":1220.4501,"end":1220.93},{"sentences":[{"text":"Yeah.","start":1220.64,"end":1221.14,"sentiment":"neutral","sentiment_score":-0.0010010842233896255}],"sentiment":"neutral","sentiment_score":-0.0010010842233896255,"channel":1,"num_words":1,"start":1220.64,"end":1221.14},{"sentences":[{"text":"wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus.","start":1220.93,"end":1227.51,"sentiment":"neutral","sentiment_score":-0.004138619350712924},{"text":"And if we do wanna change it to something else to to put this, you know, a little bit better.","start":1228.045,"end":1234.145,"sentiment":"neutral","sentiment_score":-0.03533019032329321},{"text":"So I will look at that when I do research things for you as well just to","start":1234.2051,"end":1239.165,"sentiment":"neutral","sentiment_score":0.04006951499511214}],"sentiment":"neutral","sentiment_score":-0.0019367768605849866,"channel":0,"num_words":58,"start":1220.93,"end":1239.165},{"sentences":[{"text":"Okay.","start":1239.135,"end":1239.635,"sentiment":"neutral","sentiment_score":0.03476297855377197}],"sentiment":"neutral","sentiment_score":0.03476297855377197,"channel":1,"num_words":1,"start":1239.135,"end":1239.635},{"sentences":[{"text":"see.","start":1239.165,"end":1239.66,"sentiment":"neutral","sentiment_score":0.03240944445133209},{"text":"And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change.","start":1241.98,"end":1248.7201,"sentiment":"neutral","sentiment_score":0.04843106927971045},{"text":"Just do a bit more deep dive into the investments because things are always changing.","start":1249.26,"end":1253.6,"sentiment":"neutral","sentiment_score":0.04699119528134664},{"text":"And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from.","start":1254.065,"end":1258.705,"sentiment":"neutral","sentiment_score":0.31983779761053266},{"text":"And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position.","start":1258.705,"end":1269.045,"sentiment":"neutral","sentiment_score":-0.04248986725468893}],"sentiment":"neutral","sentiment_score":0.0711820287685288,"channel":0,"num_words":101,"start":1239.165,"end":1269.045},{"sentences":[{"text":"So when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you.","start":1269.5801,"end":1275.8401,"sentiment":"neutral","sentiment_score":0.10633443117141723}],"sentiment":"neutral","sentiment_score":0.10633443117141723,"channel":0,"num_words":25,"start":1269.5801,"end":1275.8401},{"sentences":[{"text":"Okay.","start":1276.83,"end":1277.33,"sentiment":"neutral","sentiment_score":0.19041654467582703}],"sentiment":"neutral","sentiment_score":0.19041654467582703,"channel":1,"num_words":1,"start":1276.83,"end":1277.33},{"sentences":[{"text":"Yep.","start":1277.66,"end":1278.16,"sentiment":"neutral","sentiment_score":0.3077937960624695},{"text":"Perfect.","start":1278.3,"end":1278.8,"sentiment":"positive","sentiment_score":0.5403178930282593},{"text":"Now, otherwise, you will see in the email, you will see a financial services guide and their services guide.","start":1279.02,"end":1285.755,"sentiment":"neutral","sentiment_score":0.22610825104148766},{"text":"You would have seen this before.","start":1285.755,"end":1287.195,"sentiment":"neutral","sentiment_score":0.18693279226620993},{"text":"It's just a bit of an updated document.","start":1287.195,"end":1289.135,"sentiment":"neutral","sentiment_score":0.25131101347506046}],"sentiment":"neutral","sentiment_score":0.23646438057933536,"channel":0,"num_words":35,"start":1277.66,"end":1289.135},{"sentences":[{"text":"It's one of those compliance forms, but everything you need to know about us is in there.","start":1289.4349,"end":1293.995,"sentiment":"neutral","sentiment_score":0.2485916298978469},{"text":"Nothing has really changed in terms of the important information.","start":1293.995,"end":1297.2949,"sentiment":"neutral","sentiment_score":0.014835672080516815},{"text":"There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice.","start":1298.0599,"end":1304.0,"sentiment":"positive","sentiment_score":0.5064463067054749},{"text":"And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents.","start":1305.26,"end":1314.8451,"sentiment":"neutral","sentiment_score":0.2909066604991113},{"text":"Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1315.4651,"end":1323.005,"sentiment":"positive","sentiment_score":0.43125704288482664}],"sentiment":"positive","sentiment_score":0.3410657837435051,"channel":0,"num_words":108,"start":1289.4349,"end":1323.005},{"sentences":[{"text":"There is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super.","start":1324.025,"end":1332.65,"sentiment":"neutral","sentiment_score":0.2775060364178249},{"text":"No changes in regards to that.","start":1333.1901,"end":1335.21,"sentiment":"neutral","sentiment_score":0.12042000393072765},{"text":"And as per usual, there's no lock in contract.","start":1336.15,"end":1338.55,"sentiment":"neutral","sentiment_score":0.1702409783999125},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1338.55,"end":1342.25,"sentiment":"neutral","sentiment_score":0.09572773777386721},{"text":"But, otherwise, signing this allows you to remain on as a client, and we can keep that.","start":1342.39,"end":1347.105,"sentiment":"positive","sentiment_score":0.38969245114747214}],"sentiment":"neutral","sentiment_score":0.2333494115088667,"channel":0,"num_words":70,"start":1324.025,"end":1347.105},{"sentences":[{"text":"Okay.","start":1348.0149,"end":1348.5149,"sentiment":"neutral","sentiment_score":0.23597879707813263}],"sentiment":"neutral","sentiment_score":0.23597879707813263,"channel":1,"num_words":1,"start":1348.0149,"end":1348.5149},{"sentences":[{"text":"Yep.","start":1348.845,"end":1349.345,"sentiment":"neutral","sentiment_score":0.23672011494636536},{"text":"And the last one, Em, is just a compliance form.","start":1349.405,"end":1351.8049,"sentiment":"neutral","sentiment_score":0.20231004804372787},{"text":"It's just a tax file number form just to say that we are keeping your tax file number secure on file.","start":1351.8049,"end":1358.225,"sentiment":"neutral","sentiment_score":0.31252805037157877},{"text":"Now,","start":1358.34,"end":1358.84,"sentiment":"neutral","sentiment_score":0.16811054944992063}],"sentiment":"neutral","sentiment_score":0.27245515765565814,"channel":0,"num_words":33,"start":1348.845,"end":1358.84},{"sentences":[{"text":"Okay.","start":1359.89,"end":1360.39,"sentiment":"neutral","sentiment_score":0.162325918674469}],"sentiment":"neutral","sentiment_score":0.162325918674469,"channel":1,"num_words":1,"start":1359.89,"end":1360.39},{"sentences":[{"text":"Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward?","start":1360.1799,"end":1366.9199,"sentiment":"neutral","sentiment_score":0.13340525701642036}],"sentiment":"neutral","sentiment_score":0.13340525701642036,"channel":0,"num_words":26,"start":1360.1799,"end":1366.9199},{"sentences":[{"text":"Not so pretty stressful.","start":1368.05,"end":1369.27,"sentiment":"neutral","sentiment_score":0.051574934273958206}],"sentiment":"neutral","sentiment_score":0.051574934273958206,"channel":1,"num_words":4,"start":1368.05,"end":1369.27},{"sentences":[{"text":"Yep.","start":1369.5399,"end":1369.94,"sentiment":"neutral","sentiment_score":0.23613938689231873},{"text":"Okay.","start":1369.94,"end":1370.34,"sentiment":"positive","sentiment_score":0.3826795220375061},{"text":"Perfect.","start":1370.34,"end":1370.82,"sentiment":"positive","sentiment_score":0.5339589715003967},{"text":"Well, I will, let you go so you don't have to sit in your car.","start":1370.82,"end":1374.315,"sentiment":"neutral","sentiment_score":0.22384951959053676},{"text":"Like I said, I will get the team to send you an email with that TPA for CBA.","start":1374.875,"end":1379.4349,"sentiment":"neutral","sentiment_score":0.21125142628120053}],"sentiment":"neutral","sentiment_score":0.23091795409305227,"channel":0,"num_words":36,"start":1369.5399,"end":1379.4349},{"sentences":[{"text":"So as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account.","start":1379.4349,"end":1392.09,"sentiment":"neutral","sentiment_score":0.20413734414139573},{"text":"Okay.","start":1393.67,"end":1394.07,"sentiment":"positive","sentiment_score":0.5846052169799805},{"text":"Perfect.","start":1394.07,"end":1394.57,"sentiment":"positive","sentiment_score":0.7945737838745117},{"text":"Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start":1394.79,"end":1400.163,"sentiment":"positive","sentiment_score":0.7345684890945753}],"sentiment":"positive","sentiment_score":0.3868207013607025,"channel":0,"num_words":75,"start":1379.4349,"end":1400.163},{"sentences":[{"text":"Okay.","start":1400.31,"end":1400.55,"sentiment":"neutral","sentiment_score":0.28558510541915894},{"text":"Okay.","start":1400.55,"end":1401.03,"sentiment":"neutral","sentiment_score":0.3236497640609741},{"text":"Thank you very","start":1401.03,"end":1401.93,"sentiment":"positive","sentiment_score":0.7187237739562988}],"sentiment":"positive","sentiment_score":0.5530812382698059,"channel":1,"num_words":5,"start":1400.31,"end":1401.93},{"sentences":[{"text":"No problem at all.","start":1402.4829,"end":1403.3629,"sentiment":"positive","sentiment_score":0.5964372903108597},{"text":"We'll speak soon, Steven.","start":1403.3629,"end":1404.5029,"sentiment":"positive","sentiment_score":0.3896588012576103}],"sentiment":"positive","sentiment_score":0.493048045784235,"channel":0,"num_words":8,"start":1402.4829,"end":1404.5029},{"sentences":[{"text":"Bye.","start":1405.9529,"end":1406.4529,"sentiment":"neutral","sentiment_score":0.2522696256637573}],"sentiment":"neutral","sentiment_score":0.2522696256637573,"channel":1,"num_words":1,"start":1405.9529,"end":1406.4529},{"sentences":[{"text":"Bye.","start":1406.403,"end":1406.803,"sentiment":"neutral","sentiment_score":0.178010031580925},{"text":"Bye.","start":1406.803,"end":1407.303,"sentiment":"neutral","sentiment_score":-0.11953753232955933}],"sentiment":"neutral","sentiment_score":0.02923624962568283,"channel":0,"num_words":2,"start":1406.403,"end":1407.303}]},"summary":{"result":"success","short":"A representative named Veronica calls Roni to discuss their personal information and financial situation, including their employment, income, health, and lifestyle, and travel plans. They discuss their retirement plans, staying on top of rising prices, and risk profile. The speaker provides information on risk profiles and advises Roni to have enough time in the market for fluctuations in the market. They also discuss investing more money in a certain asset and provide a financial services guide and compliance form to the customer. The agent will send a new TPA and provide a financial services guide and compliance form to the customer."},"intents":{"segments":[{"text":"Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you. That way, you do have a a copy of it. It's just because you are making a legal nomination. It just has to be printed and web signed. Would you be okay with the a printed version?","start_word":699,"end_word":766,"intents":[{"intent":"Request document","confidence_score":0.00068722706}]},{"text":"I'll get the team to send that to you, and we can get that sorted. And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know. Okay.","start_word":770,"end_word":809,"intents":[{"intent":"Send document","confidence_score":0.1212792},{"intent":"Provide link","confidence_score":0.0002734344}]},{"text":"That's exciting. yeah.","start_word":999,"end_word":1001,"intents":[{"intent":"Congratulate on visit","confidence_score":0.017345222}]},{"text":"like me to change it to 65 or happy with 67?","start_word":1395,"end_word":1405,"intents":[{"intent":"Change retirement age","confidence_score":0.52665937},{"intent":"Set retirement age","confidence_score":0.00076966255}]},{"text":"ideal income per week of around 800? That seem Yeah. doable?","start_word":1417,"end_word":1427,"intents":[{"intent":"Update income","confidence_score":0.3705871}]},{"text":"Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation. So think of these questions in regards to your superannuation. Okay? Yep.","start_word":1562,"end_word":1609,"intents":[{"intent":"Update risk profile questionnaire","confidence_score":0.045033067}]},{"text":"Now have you ever bought direct shares yourself? Direct shares.","start_word":1612,"end_word":1621,"intents":[{"intent":"Gather information","confidence_score":0.00028355158}]},{"text":"On, like, the stock market, have you ever bought shares into a company? I did try it once and failed. I gave up on it. Okay.","start_word":1622,"end_word":1647,"intents":[{"intent":"Check stock market","confidence_score":0.0023015258}]},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yeah.","start_word":1710,"end_word":1733,"intents":[{"intent":"Confirm willingness to accept risk","confidence_score":0.004863699}]},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start_word":1750,"end_word":1787,"intents":[{"intent":"Reconsider portfolio value","confidence_score":0.000007712445},{"intent":"Explain market trends","confidence_score":0.011133712},{"intent":"Discuss portfolio growth","confidence_score":0.010621082}]},{"text":"So potentially invest a little bit more pending opportunities. Yeah. Yep.","start_word":1881,"end_word":1891,"intents":[{"intent":"Discuss potential investments","confidence_score":0.02263478},{"intent":"Discuss future investing options","confidence_score":0.011472341}]},{"text":"And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property? No.","start_word":1980,"end_word":2002,"intents":[{"intent":"Discuss borrowing options","confidence_score":0.046598453}]},{"text":"Now, Steven, that tells me here that you have come out as a growth Yep. investor, which is the portfolio we currently have you invested in. Do you remember what a growth investor is at all? Medium risk or something, wasn't it? Yeah.","start_word":2029,"end_word":2071,"intents":[{"intent":"Discuss growth mindset","confidence_score":0.0033560053}]},{"text":"So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive. So kind of somewhere where you're focusing on growth, just not high growth or, you know, super high.","start_word":2122,"end_word":2158,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.0076522757}]},{"text":"then if you have any questions, you can just give me a callback. Is that okay? Okay.","start_word":2517,"end_word":2533,"intents":[{"intent":"Request callback","confidence_score":0.15312162}]},{"text":"Now you also have your c bus insurance and super that was kind of kept open to keep your insurances.","start_word":2585,"end_word":2604,"intents":[{"intent":"Provide information about insurance","confidence_score":0.0007333447}]},{"text":"So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows Yep.","start_word":2605,"end_word":2661,"intents":[{"intent":"Request tpa","confidence_score":0.006022928},{"intent":"Arrange tpa","confidence_score":0.0013102085}]},{"text":"So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows Yep. me to do is just to get some updated information and research on your super just so that Okay.","start_word":2605,"end_word":2680,"intents":[{"intent":"Obtain updated tpa","confidence_score":0.00031177467}]},{"text":"Now sometimes it does take a little bit for C Bus to lower that. So what I might do is I'll wait for you to return the TPA.","start_word":2843,"end_word":2870,"intents":[{"intent":"Lower cost","confidence_score":0.0016826773}]},{"text":"Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report. That one does break down your individual investments and how they have performed over the last twelve months.","start_word":2915,"end_word":2960,"intents":[{"intent":"Present portfolio report","confidence_score":0.0010859272}]}]},"sentiments":{"segments":[{"text":"Hi, Steven. It's Veronica. How are you? Hello, Roni. Got all sorted now? Yes. Yeah. Yes.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.17958994209766388},{"text":"Perfect.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.4792669415473938},{"text":"Now are you driving at the moment? Nope. It's sitting in No. the top up. Okay.","start_word":17,"end_word":32,"sentiment":"neutral","sentiment_score":0.014949928037822248},{"text":"Perfect.","start_word":33,"end_word":33,"sentiment":"positive","sentiment_score":0.3391740024089813},{"text":"So what I'll do is I have just sent you an email with some documents to run through with you. But Yep. before I kind of do jump into that, I'll go through a bit of a a fact find to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So kind of just bear with me as I go through this information. I will try to make it quick for you so you don't have to stay in the car for too long. Okay. Now when it comes to your personal information, I have you down here as in a de facto relationship with no financial dependence. Yes. Is that correct? Yes. Perfect. And I have next of kin nominated Andrew Gilbert. Is that still the case as well? Yes. That's my second. Yep. Perfect. And his phone number hasn't changed, still ends with 176? Yes. Yep. Perfect. Now when it comes to employment, has any of that changed in the last twelve months or still working as a boilermaker? Still working in the boiler market in Goulburn, FTR. Yes. Perfect. Working full time? Yes. Perfect. And do you enjoy it? I like to work. Sometimes the people are a bit much, but Yeah. Well, pays the bill and at least enjoy the work. But yeah. yeah. You can't really choose who you work with that time. Now I have income here at 85,000. Is that still roughly the case? Yep. Yep. Proper. Yep. Yep. Perfect. And now I have here as well the employer does pay 12% contribution into super, so just like that standard. And you're not currently making any extra contributions. That's all correct as well? Yes. That's correct. Yep. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 5,000. Is that still the case as well? Yep.","start_word":34,"end_word":358,"sentiment":"neutral","sentiment_score":0.07787514847058516},{"text":"Perfect.","start_word":359,"end_word":359,"sentiment":"positive","sentiment_score":0.5600057244300842},{"text":"And you didn't have anything going on that one, do you? Yep. No. Perfect. Do you have any other assets, any other motor vehicles or boats or motorbikes or savings in the bank or anything else? No. I went through a divorce a couple of years, and they cleaned me up. So Yeah. Do you have any liabilities, any personal loans or credit card or ZipPay? I have a personal loan and two credit cards. Okay. And with the personal lines, do you owe roughly how much is owing on that one? 14,000. About 14. Perfect. And the two credit cards, do you know roughly, like, combined that would be left on those? Combined there at about 14,000 again. So Yep. Okay. Perfect. Anything else we haven't gone through? No. I don't think so.","start_word":360,"end_word":493,"sentiment":"neutral","sentiment_score":-0.00009961798787117004},{"text":"Great.","start_word":494,"end_word":494,"sentiment":"positive","sentiment_score":0.4165496528148651},{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still okay? Yep. Yep. Perfect. And have you had any changes to your health or injuries or anything in the last twelve months? Nope. Nope. That's good. And do you have private health insurance? No. No. And when it comes to a state planning, do you have a will in place or a power of attorney? No. None of that. No. No. And when it comes to also your your superannuation, it doesn't look like we have a a beneficiary form received from you yet. So in the event that something would've happened to you, who you want to nominate to receive your superannuation, Do you remember seeing those forms in the post or anything? Yes. I did. Yeah. Do you still have them, or would you like us to resend them to you? Now can you resend them and I'll get I'll Yep. get them redone? My my Yep. partner's gonna have it cleaning everything up, sir. No. That's Oh, all okay. good. Well, tape it in my car. She doesn't clean my car. Perfect. Do you have access to a printer otherwise? Yes. Yeah. Would you because sometimes if it's if it's easier and it's obviously a bit quicker for for for you as well, I can get the team to email it to you. That way, you do have a a copy of it. It's just because you are making a legal nomination. It just has to be printed and web signed. Would you be okay with the a printed version? Yep. Yes. Okay. I'll get the team to send that to you, and we can get that sorted. And if you do have any questions of how to complete it or who to nominate or anything like that, just let me know. Okay.","start_word":495,"end_word":809,"sentiment":"neutral","sentiment_score":0.08091442891293102},{"text":"Yeah. Perfect.","start_word":810,"end_word":811,"sentiment":"positive","sentiment_score":0.4846259951591492},{"text":"Now when it comes to our guest goals, stuff that you're working towards that you are wanting to achieve, Last time when we did speak to you, your your main focus was to kind of go on a bit of a trip up North Queensland to show your your partner, and then also start saving for a house. Is that still kind of on the agenda for you? Did you guys end Yes. up doing the trip? Now we're we're going to go to Mount Isa, which is where two of my sons work, but then one of Oh, my sons yeah. got injured injured badly in a mine accident. Oh, I'm sorry So to he's hear that. back down in Newcastle. It So okay. Is he okay? he's back at work. Okay. I That's don't good, know why though. he's back at work. Okay. Yeah. No. That's totally fine. So Yep. planning another holiday to go see them. Yeah. We've gotta go to that Daniele live in Newcastle, so we gotta go Yep. back and see him because we got a new granddaughter.","start_word":812,"end_word":995,"sentiment":"neutral","sentiment_score":0.06448040157556534},{"text":"So Oh, congratulations. That's exciting.","start_word":996,"end_word":1000,"sentiment":"positive","sentiment_score":0.4977637827396393},{"text":"yeah. So I never I haven't made it yet. So Yeah. Oh, that's how old is she? Six months? Oh, yeah. No. That's very good. Well, that they were up in Anaza. Yeah. Yeah. Okay. Yep. And then That's yeah. two Sorry? two and a half thousand kilometers away. So It's it's a bit of a it's a bit of a distance, isn't it? yeah. And from aside from, obviously, family, are you still kind of planning on trying to save up for for a property? Is that still kind of, I guess, like, a bit more medium to long term goal? I found out that it's actually gonna be easier for us if if I get rid of my debts first than saving Yes. money because I'm saving Yes. money for nothing if I can't pay the debts off. Yep. Yeah. Okay. So just kind of focusing at the moment to clear out any debt and then following that, maybe property. The main focus now is to kind of clear out the the personal Plea loan debt. and the Yep. credit card? Yes.","start_word":1001,"end_word":1184,"sentiment":"neutral","sentiment_score":0.044612266750925264},{"text":"Great. Perfect.","start_word":1185,"end_word":1186,"sentiment":"positive","sentiment_score":0.510094404220581},{"text":"Anything Yes. else that you are working towards or you're wanting to achieve otherwise? No. I don't think so. No? Okay. And I do have here as well when it comes to superannuation that you are planning on, at this stage anyway, retire at the age of 67. Is that still kind of the plan? Yeah. I hope I make it today. Or do you think you'd wanna retire earlier? Well, most boilermakers don't make it to 55. Okay. Well, hopefully, you can enjoy super and your life well before that as well and that you do make it well past 65. Okay. Perfect. Do you want me to update your goals? So, like, when you so because with superannuation, if you do decide to stop working, you Yeah. can access your super on the current legislation at the age of 60. 60 Okay. five, otherwise, if you keep working, you can access everything tax free or 67 if you're eligible for each pension. And the reason I do ask as well is because we're trying to obviously do, you know, research and stuff on your super and trying to get you as close to your goals as possible when you do retire. So would you Yep. like me to change it to 65 or happy with 67? I can be at 60 Sixty seven.","start_word":1187,"end_word":1411,"sentiment":"neutral","sentiment_score":0.08789961695671082},{"text":"Perfect.","start_word":1412,"end_word":1412,"sentiment":"positive","sentiment_score":0.6571284532546997},{"text":"And an seven. Yep. ideal income per week of around 800? That seem Yeah. doable? That that's minimum you need. Yeah. Or do you want me to change it? How much do you think you will need to still, you know, live comfortably? In in what? Thirty twelve, thirteen years time. Well, right now, you need a thousand dollars a week. Yeah. It's I'll update it to a thousand, and that's honestly what most people say right now. And like you said, obviously, you don't know what prices and everything is going to be like by the time you do decide to retire, so sometimes it is a bit tricky. But Yep. most people say nowadays that about a thousand dollars to 1,500 depending on their extravagant retirement. So I'll just change that to about 1,000 per week because that's what most people does as Yep. well. Okay.","start_word":1413,"end_word":1560,"sentiment":"neutral","sentiment_score":0.06734587252140045},{"text":"Perfect.","start_word":1561,"end_word":1561,"sentiment":"positive","sentiment_score":0.4718659520149231},{"text":"Now the next thing I quickly wanna run through, it's just a bit of an updated risk profile questionnaire just to see if we need to make any changes to your risk profile in your superannuation. So think of these questions in regards to your superannuation. Okay? Yep. Yep. Perfect. Now have you ever bought direct shares yourself? Direct shares. On, like, the stock market, have you ever bought shares into a company? I did try it once and failed. I gave up on it. Okay. You don't have any at the moment? No. No. Alright. Perfect. Otherwise, when it comes to inflation and, obviously, prices keep going up and increasing. Now how much of a risk are you willing to take in order to try to make sure that you stay on top of the rising prices and your continuation continues to grow in the long term? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yeah. I think I put on order at last time. So Yes. You did. Alright.","start_word":1562,"end_word":1747,"sentiment":"neutral","sentiment_score":-0.01685197651386261},{"text":"Perfect.","start_word":1748,"end_word":1748,"sentiment":"positive","sentiment_score":0.4021947979927063},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not one particular investment, just the market as a whole. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more money while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset So that means you are then selling when the prices have dropped. When the market is down, when is the best time to buy, not not sell. So Yeah. Okay. So potentially invest a little bit more pending opportunities. Yeah. Yep.","start_word":1749,"end_word":1891,"sentiment":"neutral","sentiment_score":-0.0963645949959755},{"text":"Perfect.","start_word":1892,"end_word":1892,"sentiment":"positive","sentiment_score":0.4605590105056762},{"text":"And when it comes to superannuation fluctuating or any assets, really, if you saw your superannuation, for example, fall in value, how would that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, or concerned or highly anxious? Well, losing money always makes me anxious, but Yep. So kind of a bit more anxious if you saw it fluctuate yeah. a lot. Yep. Yes. I'm not I'm not planning on losing my situation. Yes. No. And when it comes to borrowing money, so would you ever consider taking out a loan to invest buy an investment property? No. I'd have to have a property to live in first. Would you consider taking out a loan to buy properties for yourself? Yes. Yes. Okay. Perfect. Now, Steven, that tells me here that you have come out as a growth Yep. investor, which is the portfolio we currently have you invested in. Do you remember what a growth investor is at all? Medium risk or something, wasn't it? Yeah. Kind of. So it is somewhere in the middle where, you know, you are still aiming for growth in your super while you do have, you know, time before retirement. But, also, you are comfortable seeing, you know, a bit of short term fluctuation in order to achieve that. So it's a little bit more than your your moderate portfolio, but not like your high risk or aggressive. So kind of somewhere where you're focusing on growth, just not high growth or, you know, super high. And when it comes through an asset allocation to how your money is invested, we typically see 80% invested in what we would call your growth assets.","start_word":1893,"end_word":2184,"sentiment":"neutral","sentiment_score":0.07848598772328194},{"text":"So that would be Australian shares or international shares, properties as well, and that is what's going to grow your superannuation.","start_word":2185,"end_word":2205,"sentiment":"positive","sentiment_score":0.3855524063110352},{"text":"And then we do have about 20% in defensive investment. So that will be, like, your cash, your gold, your fixed interest, a little bit. And when we are talking about a time frame, so making sure you have enough time in the market for those fluctuations. We typically want to allow at least six years until retirement in a growth portfolio. Now does that all make sense, and are you still happy to remain in that growth portfolio? Yes. Yep.","start_word":2206,"end_word":2286,"sentiment":"neutral","sentiment_score":0.2237492948770523},{"text":"Perfect.","start_word":2287,"end_word":2287,"sentiment":"positive","sentiment_score":0.523134171962738},{"text":"Now the last thing here is just to kind of go through a couple of documents and see what's happened in the last twelve months. But do you have access to your emails at the moment, or is it a bit tricky? I'll have a look. Okay. Perfect. So what I have done is I have just sent you an email with some documents. Sometimes it ends up in the spam folder as well. Got the email you sent me with that signature and stuff? Yes. That's the one. Yeah. So it might look a little bit different to what you are used to before because we have recently changed the software. But before you click on the link process sign now, at the bottom of the email, can you see a couple of attachments? Super and summary pay year. Yes. That's the one. Yep.","start_word":2288,"end_word":2432,"sentiment":"neutral","sentiment_score":0.034075845032930374},{"text":"So if you can open that one for me, the super and insurance summary first, that'll be good.","start_word":2433,"end_word":2450,"sentiment":"positive","sentiment_score":0.382074773311615},{"text":"Just let me know when you can see that one. Okay? That's okay. Because, otherwise, if it's a bit tricky with Internet and stuff, I can always just kind of briefly run through them. And then Yeah. when when you are hiring or when you have time, you can always have a bit of a look through them if it's easier. Okay. Yeah. That'll And work. then if you have any questions, you can just give me a callback. Is that okay? Okay.","start_word":2451,"end_word":2533,"sentiment":"neutral","sentiment_score":0.09146353297204857},{"text":"Yeah. Perfect.","start_word":2534,"end_word":2535,"sentiment":"positive","sentiment_score":0.5284864902496338},{"text":"Now when it does load for you or when you have time to open it, on that summary, you will see a bit of a breakdown of your current situation. So you have majority of your super in Hub 24, and you do have about 212 $13,084 in there. Now you also have your c bus insurance and super that was kind of kept open to keep your insurances. So the the C Bus TPA that we had on the file has expired, so I haven't been able to get updated research for you. Now C Bus also needs that to be wet signed. So in the email with the beneficiary forms, if you don't mind, I will send a new TPA. All that allows Yep. me to do is just to get some updated information and research on your super just so that Okay.","start_word":2536,"end_word":2680,"sentiment":"neutral","sentiment_score":0.13384847342967987},{"text":"I can get a bit more updated super balance and just to reconfirm your life and TCD insurance, you know, how much you have and how much they're costing and making sure that everything is in order for you.","start_word":2681,"end_word":2719,"sentiment":"positive","sentiment_score":0.3662828207015991},{"text":"So I will get the team to send that to you as well over email. And if you can when you have the option to do so, just print that, sign it, and send it back to me. I will then send it off to see that, do some research on the account. And then as soon as I have that, I will put a proposal together if it is that we wanna move some some money around depending on what's going to give you the most amount of growth. I'll present it all to you, and then you can let me know if you are happy with the change or not at the end. Okay. Does that make sense? Yep. Yeah.","start_word":2720,"end_word":2841,"sentiment":"neutral","sentiment_score":0.2224731594324112},{"text":"Perfect.","start_word":2842,"end_word":2842,"sentiment":"positive","sentiment_score":0.3612288236618042},{"text":"Now sometimes it does take a little bit for C Bus to lower that. So what I might do is I'll wait for you to return the TPA. As soon as I've heard back from C Bus and they've approved it, I will get my my team to give you a call and book you in for a bit of a presentation to go through that. Is that okay? Yep. Yep.","start_word":2843,"end_word":2913,"sentiment":"neutral","sentiment_score":0.06493193582749703},{"text":"Perfect.","start_word":2914,"end_word":2914,"sentiment":"positive","sentiment_score":0.6007604598999023},{"text":"Now, otherwise, when you do have a moment to have a look through your documents, you'll also see another one, which is a twelve month portfolio performance report. That one does break down your individual investments and how they have performed over the last twelve months. Now even though we've had quite a bit of fluctuations in the last twelve months with everything that's going on in the world, your portfolio has done really well.","start_word":2915,"end_word":2989,"sentiment":"neutral","sentiment_score":0.2508840560913086},{"text":"So in the last twelve months, after fees, your portfolio has still gone up by 10.15%, which we're really happy with given, yeah, what's what's happening in the market.","start_word":2990,"end_word":3018,"sentiment":"positive","sentiment_score":0.5487235188484192},{"text":"Yeah. Well, the the same market for SeaBus because I've got friends in SeaBus and they actually lost. Yes. Yes. So it's very much also with did send you a statement or anything recently?","start_word":3019,"end_word":3052,"sentiment":"neutral","sentiment_score":-0.0751282200217247},{"text":"No. They just keep sending me letters to say that I should put money in to to to pay for it.","start_word":3053,"end_word":3073,"sentiment":"negative","sentiment_score":-0.406263142824173},{"text":"Yeah. Sorry. I will review that for you as well. So part of the research is I can look at how the money is invested in CBA. Now they don't have as many options in CBA as, obviously, you have 24, which is why we can give you a lot better returns and stuff in that. We obviously Yeah. wanna keep Cbus for your insurances, but I can still do some research on which investments you are currently in Cbus. And if we do wanna change it to something else to to put this, you know, a little bit better. So I will look at that when I do research things for you as well just to Okay. see. And when I do the research, I'll have a look through the investments as well to see if there's anyone in hub that we wanna potentially change. Just do a bit more deep dive into the investments because things are always changing. And the good thing with Hub twenty four as well is there's hundreds of different options for us to choose from. And if there is one investment that is not doing so well or we foresee moving forward is not going through, then we do have the option of changing things to put you in a better position. So when I do the research, I'll have a look at that as well to see if there's anything, we wanna potentially change for you. Okay. Yep.","start_word":3074,"end_word":3319,"sentiment":"neutral","sentiment_score":0.033890714460029836},{"text":"Perfect.","start_word":3320,"end_word":3320,"sentiment":"positive","sentiment_score":0.5403178930282593},{"text":"Now, otherwise, you will see in the email, you will see a financial services guide and their services guide. You would have seen this before. It's just a bit of an updated document. It's one of those compliance forms, but everything you need to know about us is in there. Nothing has really changed in terms of the important information.","start_word":3321,"end_word":3380,"sentiment":"neutral","sentiment_score":0.2066771686077118},{"text":"There's a bit of an update through marketing there for you, and we've had a bit of an extension to the team, which is nice.","start_word":3381,"end_word":3405,"sentiment":"positive","sentiment_score":0.5067303776741028},{"text":"And then the last thing is that if you're happy to do so, when you do click on the link protest sign now, it will ask you to sign two documents.","start_word":3406,"end_word":3436,"sentiment":"neutral","sentiment_score":0.29368263483047485},{"text":"Now the first one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":3437,"end_word":3461,"sentiment":"positive","sentiment_score":0.4369445741176605},{"text":"There is no changes whatsoever in regards to the fee structure, so it stays exactly the same at 1.65% from super. No changes in regards to that. And as per usual, there's no lock in contract. So if at any point in time you are not happy, there is no lock in contract.","start_word":3462,"end_word":3514,"sentiment":"neutral","sentiment_score":0.1905626356601715},{"text":"But, otherwise, signing this allows you to remain on as a client, and we can keep that.","start_word":3515,"end_word":3531,"sentiment":"positive","sentiment_score":0.3827761113643646},{"text":"Okay. Yep. And the last one, Em, is just a compliance form. It's just a tax file number form just to say that we are keeping your tax file number secure on file. Now, Okay. Steven, do you have any questions for me otherwise of kind of what I went through today, or does it all kind of seem pretty straightforward? Not so pretty stressful. Yep.","start_word":3532,"end_word":3597,"sentiment":"neutral","sentiment_score":0.20213112235069275},{"text":"Okay. Perfect.","start_word":3598,"end_word":3599,"sentiment":"positive","sentiment_score":0.4583192467689514},{"text":"Well, I will, let you go so you don't have to sit in your car. Like I said, I will get the team to send you an email with that TPA for CBA. So as soon as you can, if you could just complete that for me just so I can do some research on that account and put together that proposal as well as that beneficiary form so we can get that sorted for you on your hub twenty four account.","start_word":3600,"end_word":3681,"sentiment":"neutral","sentiment_score":0.20996323409603865},{"text":"Okay. Perfect. Well, I will let you go, and and enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start_word":3682,"end_word":3707,"sentiment":"positive","sentiment_score":0.7169216871261597},{"text":"Okay. Okay.","start_word":3708,"end_word":3709,"sentiment":"neutral","sentiment_score":0.30461743474006653},{"text":"Thank you very No problem at all. We'll speak soon, Steven.","start_word":3710,"end_word":3720,"sentiment":"positive","sentiment_score":0.5153340101242065},{"text":"Bye. Bye. Bye.","start_word":3721,"end_word":3723,"sentiment":"neutral","sentiment_score":0.19244880974292755}],"average":{"sentiment":"neutral","sentiment_score":0.10264057638858244}}}}