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Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Yep. Yep. Amazing. That's exactly what I have here. And how's your day been? Been busy? Yeah. Oh, nice. Yeah. Yeah. Oh, that's nice. Well, I will try not to take up too much of your afternoon there, Mary. But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening. Yeah. Perfect. Now what I will do first, Mary, is just to run through a bit of a updated fact find with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now when it comes to your personal information, I have you down here as single with no financial dependents. Is that correct? Perfect. And next up, Ken, I have Matthew Fraser nominated. Is that correct as well? And what's their relationship to yourself? Okay. Perfect. Would you because I only have Matthew listed. You're happy with that? Yep. Okay. Now I don't have a contact number for for him, though. Would you be able to give that to me, please? Sure. Yep. Yep. Yep. Yep. Perfect. Thank you so much. I will update that. When it comes to employment, has any of that changed or still working? Yep. And you're working part time? Perfect. And how many hours do you roughly do a week? Do you know? Okay. Yeah. Yes. Amazing. Perfect. That's really good. Mhmm. Mhmm. Okay. Perfect. That's very good. I will update. Yes. It does. It definitely does. And that's often sometimes the case through with part time. It is that some weeks you do a little bit more, and other weeks it's a little bit less, and then it kind of adds up. So that definitely makes sense, so thank you for that. Now when it comes through income, I have you down here as earning about 36,000. Is that roughly the same? We're also the same. Okay. Perfect. And are you making any additional contributions or anything to a super or just kind of that standard from your employer? Standard. Yep. Perfect. Sorry? I I know. I know. Very much like that. And most people, especially nowadays as well, with with everything going up. So I definitely feel that. And with, obviously, expenses and everything with your assets. So I have here that your property last time we spoke with you was valued at about 300,000. Do you know if that's roughly the same, or did that go up a little bit? Do you know? Mhmm. Yes. Yes. That's good. Mhmm. Yep. Yep. Yes. Yep. Perfect. I'll roughly yes. No. That's okay. That's still a nice little increase, though. Yeah. And you don't have a mortgage on your property, do you? That's perfect. And I also have here that you have a motor vehicle worth about thousand dollars. Okay. Yes. About 3. Okay. Perfect. And do you have anything owing on it? No. Okay. Great. I also have here a credit card of about 3 thousand. Perfect. And a personal loan of about 3 and a half. So 3 and a half thousand. Okay. Good. Mhmm. Yep. Yeah. Sure. Okay. No problem. I will change that. Any other changes to your assets or anything like that, Mary? No. Okay. Great. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Perfect. And do you have any significant health issues or any injuries or anything that's changed in the last twelve months? Yep. Okay. Perfect. And you just have a, like, inhaler for that if you need it? Yeah. Yeah. Or was it from childhood? Yes. Yes. Yep. Now that is okay. And when it comes to estate planning, so if something ever woulda happened to you, I have here that you do have a will in place. But last time we spoke to you, you mentioned that it kind of needed to be updated a little bit. Yes? Did you get it updated, or is it still on the to do list? Yep. That's okay. Yeah. Okay. Perfect. And do you know someone that can help you get it done, or would you like me to get the team to send you an email with one of the, like, law firms that we work with closely when it comes to setting up a will, or do you know someone local? Okay. Oh, yeah. You said altogether. That's good. Yeah. Yep. Yeah. Okay. Perfect. But it is good that it's all kind of together, and I know as well time is hard to find that time. So I completely completely get that. But when it comes to your superannuation, so who you actually have nominated on your account, I do have a 100% going to David Lewis. Is that correct? Yes. Yes. We can change that. So we can definitely do that. Now with Matthew, your your brother, to make the nomination directly through Super. They are quite specific on who you can actually nominate. Now you can still very much give it to your brother. We might just have to change how it's set up a little bit. So when it comes to your relationship with your brother, does he live with you? Okay. Does he rely financially on you? Okay. So what we what we can do then is, like I said, you can still give it to him. We would just have to change how we structure it. So what we would do on the form is that we would change it to a legal personal representative. Now, Mary, what that means is just basically a fancy word just saying that it goes to your will. Now in your will, when you then speak to them, you can say that you would like it all to go to Matthew. Yeah. We would just have to structure it this way because super doesn't form part of your estate, and the only people you can nominate, like, directly, otherwise, without a will is, like, a spouse or a child or someone who are financially dependent on you. So so many clients who wants to give it to siblings or brothers and sisters or nephews and nieces. So definitely still doable. We would just change it. So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative. Now I would still have to send them to you because you have to sign them and get a witness and then send it back to me. And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like. Yep. Now, Mary, do you have access to a printer, or do you prefer post? Post. Okay. So I will get the team to post this out to you, and I'll get them through, include a return envelope as well. Now I do wanna triple check the type of nomination you have for David. It is a binding nonlapsing. Now that is typically the most common type, which means that it is binding. So if something were to happen, basically, your super and insurance have to follow your wishes. The other one is not as certain, which is called your your nonbinding. And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it. So would you would like would you like to keep the same, like, it is more certain than you don't have to change it? Would you like the same style? Just change it to Matthew. Okay. Yep. Sorry. We can do that. So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him. Does that does that make sense? Okay. Perfect. Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones. Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care. Is that still something you are you are thinking of? Yep. Yeah. Okay. Perfect. Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary? No. No. No problem. And when it comes to superannuation, we currently have you invested growth portfolio. Do you remember what it means to be a growth investor at all? No. So, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire. But at the same time, someone who are comfortable seeing a bit of fluctuation short term in order to grow your super bit more long term. Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary? Okay. So I have just sent you an email. If you could open that for me because it makes it a bit easier while we are talking about this. So let me know if you received that okay. Sometimes it ends up in spam as well. Hasn't come through. It should and there's nothing in spam either? Okay. Yeah. Because it it says on my on my side that it was received about 03:02. Like, cool. Oh, yeah. Perfect. No. That's okay. There is a bit of a storm right now. Actually, we're in bit of torrential rain at the moment. So I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it. So if you can click on the email for me, Mary. Now we have just changed the software, so it might look a little bit different to what you were used to. Now before you click on the link where it says sign doc documents or something like that, before you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there? There should be one, two, three, four, five different attachments. It's great when it's great when it works, but sometimes there's a bit of a pain. Yes. Okay. So can you see one where it says 2025 Vanguard index chart? Can you see that one? Yes. Could you open that one for me? Yeah. Now you may have seen something like this before, but it is a good kind of visual representation of what we are talking about when we are talking about the market. Now this one here shows you from 1995 through to 2025. And you can kind of see here that over the long term, so when we are looking at a longer period of time, it always goes up. But if you look a bit more short term, there are obviously periods of time where it goes a bit of up and down. Okay? Now when we are then referring back to that growth portfolio, so how you are currently invested, we see about 80% invested in your top four there. So you will see your your US shares, which is that kind of light green. You have Australian shares, which is, like, your darker green. And then your international shares is, like, your yellow, and then the property, which is, like, your kinda maroon color. So these are the ones that will give you the most amount of growth because you can kind of see that they have, you know, grown the most, but they also flux fluctuate the most. And then we have 20% in those bottom three. So these are your defensive you can see that they're a little bit more straight lines than the others, but they don't grow as much either. So that is essentially how we have you at the moment. And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire. Are you still thinking of retiring at about 65? Is that still the plan, or do you think you wanna retire early? About yeah. Okay. Okay. Perfect. And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week. You think something like that? Okay. So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around. So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with. You're happy with the the the growth portfolio still, the same as you have? Yep. Okay. Now as you then get closer to retirement and closer to wanting to take your money out, we can then start to gradually reduce that and shift it more to defensive when you get closer. That for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 65. Does that all make sense so far, Mary? Yep. Okay. Beautiful. Now while we are in the email, what is the next document you can see to make it easier for you? Sure. Yes. Yes. Could you open that one for me? Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months. Now in the last twelve months, we have seen a bit of fluctuation in the market. You may have seen on the news and stuff like that as well. There's obviously been a lot happening. Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of fluctuations in the market. But despite all of that, though, your portfolio has still done pretty good. So in the last twelve months, and this is all after fees, your portfolio has still gone up by 9.21, which we're really happy with, especially what what's happening in the market. Yeah. Now you may have seen a little while ago, you got an email. Let me see if I can see when it was. It was just about one investment change we did for you. We just did one investment switch. Now that was on the May 14. Actually, no. Sorry. My apologies. That was on the March 12. And that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment. And we changed one that was underperforming a little bit to a to another one that is a little bit cheaper and performing a little bit better for you. So if you did see that email, that's where that one was, and we've already made that change for you. Yep. So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you. So overall, very happy with how everything is going for your superannuation, so that's good. Now what is the next one you can see, Mary? Yes. Could you open this one for me? Yep. So with this one here, it shows you a current breakdown of your situation. Now I can see that there is a little typo, so apologies of that. Where it says Hub24, that is your Netwealth account. So you have majority of your super in Netwealth. So you have about a $103,358 in there. Now you also have your rest sofa that we kept open for your insurances. Now with rest sofa, I couldn't get updated information from them because the authority we had had expired. So what I have done in this document is I have included a new it's called a TPA, so a third party authority. And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so. It will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances. And yeah. Perfect. And if it is that, depending on how much you have interest, I'll do some research for you. Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you. Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth. Does that make sense? Yes. Okay. So it will it will take rest, yeah, about a week or so for for for this for them to approve it, and that is just for me to do research. Now when when is a better time for you after? So I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover. So if we needed to change some money around. So in about let me see here. The week of the June 1 to the June 4, do you know what your schedule looks like? Do you have any time? Yeah? Yeah. What time? Yeah. Okay. Let me have a look here. I could do 10AM or 11AM. What works best for you? Would ten work? Yep? Okay. So I will book that in on Thursday, June 4 at 10AM. Now I'll give you a call once I've spoken through, Russ. And if it is that I do suggest that we move some money, I will put a proposal together for you. I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward. Perfect. Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and a Oakview services guide version one. Now I'll get you to have a look at them in your own time. You've probably seen this one a couple of times. It is one of those compliance documents. But all the important information in regards to us is in there, but none of the important information has changed. We've had a bit of an update to marketing. So if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is good. Yep. Now the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now. Can you see that? Yep. And it will ask you to sign a couple of documents, and I will talk you through what they are. Sorry. Let me know what you can see fast when you click on that. Yep. Yes. Sorry. Let me just open it up here. Does it say tax file number on the first section? Yes. Now this is just a form just another compliance form, but, basically, just let you know that we have your tax file number secure on file. So that's where this one is. Yep. The next one, does that say authorization to search for lost super? Yep. Now what this one is is we do this every now and then just to check. But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about or that may be a previous employer or someone put some money into. And it just lets us find it. And then if so, if we find anything, I will let you know. And then we do some research and then see what we wanna do with it for you. Yep. Then after that, do you have authorization to collect information? Yep. That is that rest form I mentioned earlier. So it just lets me do some research on rest for you just to to check that. And let me see. Do you then have an ongoing service agreement as well? Is that or is that the end? Oh, yeah. Perfect. So that one here, does it say net worth on it? Yes. Now what this is, that is just your ongoing service agreement there, Mary. Just to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, it lets us service your account and manage everything for you in the meantime. Does that all make sense, Mary? Yeah. Perfect. So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well. Oh, beautiful. Sure. It's a bit like that, isn't it? Oh, perfect. Alright. These already come through to me, which is great. So you have completed everything correctly, and it's all over on my side already, which is good. So that went fast. Yeah. So I will get this all processed with the team. I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen. So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen. And then I have you booked in on Thursday, June 4 at 10AM to go through any research that I could do on that rest super for you. Perfect. Do you have any other questions for me, Mary, before I let you go and enjoy the rest of your afternoon otherwise? No. Okay. If you do think of anything, just let me know. Always give me a call, send me an email, or even write it down, and then you can ask me on the fourth as well. Alright. No problem. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth. Okay. Thanks, Mary. 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afternoon. This is Mary. This is Veronica from HV Financial. How are you? I'm good.\n\nThanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yes. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nYep. Yep. Amazing. That's exactly what I have here. And how's your day been?\n\nBeen busy? Yeah. Oh, nice. Yeah. Yeah.\n\nOh, that's nice. Well, I will try not to take up too much of your afternoon there, Mary. But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening. Yeah. Perfect.\n\nNow what I will do first, Mary, is just to run through a bit of a updated fact find with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now when it comes to your personal information, I have you down here as single with no financial dependents. Is that correct? Perfect.\n\nAnd next up, Ken, I have Matthew Fraser nominated. Is that correct as well? And what's their relationship to yourself? Okay. Perfect.\n\nWould you because I only have Matthew listed. You're happy with that? Yep. Okay. Now I don't have a contact number for for him, though.\n\nWould you be able to give that to me, please? Sure. Yep. Yep. Yep.\n\nYep. Perfect. Thank you so much. I will update that. When it comes to employment, has any of that changed or still working?\n\nYep. And you're working part time? Perfect. And how many hours do you roughly do a week? Do you know?\n\nOkay. Yeah. Yes. Amazing. Perfect.\n\nThat's really good. Mhmm. Mhmm. Okay. Perfect.\n\nThat's very good. I will update. Yes. It does. It definitely does.\n\nAnd that's often sometimes the case through with part time. It is that some weeks you do a little bit more, and other weeks it's a little bit less, and then it kind of adds up. So that definitely makes sense, so thank you for that. Now when it comes through income, I have you down here as earning about 36,000. Is that roughly the same?\n\nWe're also the same. Okay. Perfect. And are you making any additional contributions or anything to a super or just kind of that standard from your employer? Standard.\n\nYep. Perfect. Sorry? I I know. I know.\n\nVery much like that. And most people, especially nowadays as well, with with everything going up. So I definitely feel that. And with, obviously, expenses and everything with your assets. So I have here that your property last time we spoke with you was valued at about 300,000.\n\nDo you know if that's roughly the same, or did that go up a little bit? Do you know? Mhmm. Yes. Yes.\n\nThat's good. Mhmm. Yep. Yep. Yes.\n\nYep. Perfect. I'll roughly yes. No. That's okay.\n\nThat's still a nice little increase, though. Yeah. And you don't have a mortgage on your property, do you? That's perfect. And I also have here that you have a motor vehicle worth about thousand dollars.\n\nOkay. Yes. About 3. Okay. Perfect.\n\nAnd do you have anything owing on it? No. Okay. Great. I also have here a credit card of about 3 thousand.\n\nPerfect. And a personal loan of about 3 and a half. So 3 and a half thousand. Okay. Good.\n\nMhmm. Yep. Yeah. Sure. Okay.\n\nNo problem. I will change that. Any other changes to your assets or anything like that, Mary? No. Okay.\n\nGreat. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Perfect. And do you have any significant health issues or any injuries or anything that's changed in the last twelve months?\n\nYep. Okay. Perfect. And you just have a, like, inhaler for that if you need it? Yeah.\n\nYeah. Or was it from childhood? Yes. Yes. Yep.\n\nNow that is okay. And when it comes to estate planning, so if something ever woulda happened to you, I have here that you do have a will in place. But last time we spoke to you, you mentioned that it kind of needed to be updated a little bit. Yes? Did you get it updated, or is it still on the to do list?\n\nYep. That's okay. Yeah. Okay. Perfect.\n\nAnd do you know someone that can help you get it done, or would you like me to get the team to send you an email with one of the, like, law firms that we work with closely when it comes to setting up a will, or do you know someone local? Okay. Oh, yeah. You said altogether. That's good.\n\nYeah. Yep. Yeah. Okay. Perfect.\n\nBut it is good that it's all kind of together, and I know as well time is hard to find that time. So I completely completely get that. But when it comes to your superannuation, so who you actually have nominated on your account, I do have a 100% going to David Lewis. Is that correct? Yes.\n\nYes. We can change that. So we can definitely do that. Now with Matthew, your your brother, to make the nomination directly through Super. They are quite specific on who you can actually nominate.\n\nNow you can still very much give it to your brother. We might just have to change how it's set up a little bit. So when it comes to your relationship with your brother, does he live with you? Okay. Does he rely financially on you?\n\nOkay. So what we what we can do then is, like I said, you can still give it to him. We would just have to change how we structure it. So what we would do on the form is that we would change it to a legal personal representative. Now, Mary, what that means is just basically a fancy word just saying that it goes to your will.\n\nNow in your will, when you then speak to them, you can say that you would like it all to go to Matthew. Yeah. We would just have to structure it this way because super doesn't form part of your estate, and the only people you can nominate, like, directly, otherwise, without a will is, like, a spouse or a child or someone who are financially dependent on you. So so many clients who wants to give it to siblings or brothers and sisters or nephews and nieces. So definitely still doable.\n\nWe would just change it. So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative. Now I would still have to send them to you because you have to sign them and get a witness and then send it back to me. And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like. Yep.\n\nNow, Mary, do you have access to a printer, or do you prefer post? Post. Okay. So I will get the team to post this out to you, and I'll get them through, include a return envelope as well. Now I do wanna triple check the type of nomination you have for David.\n\nIt is a binding nonlapsing. Now that is typically the most common type, which means that it is binding. So if something were to happen, basically, your super and insurance have to follow your wishes. The other one is not as certain, which is called your your nonbinding. And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it.\n\nSo would you would like would you like to keep the same, like, it is more certain than you don't have to change it? Would you like the same style? Just change it to Matthew. Okay. Yep.\n\nSorry. We can do that. So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him. Does that does that make sense? Okay.\n\nPerfect. Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones. Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care. Is that still something you are you are thinking of? Yep.\n\nYeah. Okay. Perfect. Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary? No.\n\nNo. No problem. And when it comes to superannuation, we currently have you invested growth portfolio. Do you remember what it means to be a growth investor at all? No.\n\nSo, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire. But at the same time, someone who are comfortable seeing a bit of fluctuation short term in order to grow your super bit more long term. Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary? Okay. So I have just sent you an email.\n\nIf you could open that for me because it makes it a bit easier while we are talking about this. So let me know if you received that okay. Sometimes it ends up in spam as well. Hasn't come through. It should and there's nothing in spam either?\n\nOkay. Yeah. Because it it says on my on my side that it was received about 03:02. Like, cool. Oh, yeah.\n\nPerfect. No. That's okay. There is a bit of a storm right now. Actually, we're in bit of torrential rain at the moment.\n\nSo I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it. So if you can click on the email for me, Mary. Now we have just changed the software, so it might look a little bit different to what you were used to. Now before you click on the link where it says sign doc documents or something like that, before you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there? There should be one, two, three, four, five different attachments.\n\nIt's great when it's great when it works, but sometimes there's a bit of a pain. Yes. Okay. So can you see one where it says 2025 Vanguard index chart? Can you see that one?\n\nYes. Could you open that one for me? Yeah. Now you may have seen something like this before, but it is a good kind of visual representation of what we are talking about when we are talking about the market. Now this one here shows you from 1995 through to 2025.\n\nAnd you can kind of see here that over the long term, so when we are looking at a longer period of time, it always goes up. But if you look a bit more short term, there are obviously periods of time where it goes a bit of up and down. Okay? Now when we are then referring back to that growth portfolio, so how you are currently invested, we see about 80% invested in your top four there. So you will see your your US shares, which is that kind of light green.\n\nYou have Australian shares, which is, like, your darker green. And then your international shares is, like, your yellow, and then the property, which is, like, your kinda maroon color. So these are the ones that will give you the most amount of growth because you can kind of see that they have, you know, grown the most, but they also flux fluctuate the most. And then we have 20% in those bottom three. So these are your defensive you can see that they're a little bit more straight lines than the others, but they don't grow as much either.\n\nSo that is essentially how we have you at the moment. And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire. Are you still thinking of retiring at about 65? Is that still the plan, or do you think you wanna retire early? About yeah.\n\nOkay. Okay. Perfect. And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week. You think something like that?\n\nOkay. So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around. So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with. You're happy with the the the growth portfolio still, the same as you have? Yep.\n\nOkay. Now as you then get closer to retirement and closer to wanting to take your money out, we can then start to gradually reduce that and shift it more to defensive when you get closer. That for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 65. Does that all make sense so far, Mary? Yep.\n\nOkay. Beautiful. Now while we are in the email, what is the next document you can see to make it easier for you? Sure. Yes.\n\nYes. Could you open that one for me? Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months. Now in the last twelve months, we have seen a bit of fluctuation in the market. You may have seen on the news and stuff like that as well.\n\nThere's obviously been a lot happening. Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of fluctuations in the market. But despite all of that, though, your portfolio has still done pretty good. So in the last twelve months, and this is all after fees, your portfolio has still gone up by 9.21, which we're really happy with, especially what what's happening in the market.\n\nYeah. Now you may have seen a little while ago, you got an email. Let me see if I can see when it was. It was just about one investment change we did for you. We just did one investment switch.\n\nNow that was on the May 14. Actually, no. Sorry. My apologies. That was on the March 12.\n\nAnd that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment. And we changed one that was underperforming a little bit to a to another one that is a little bit cheaper and performing a little bit better for you. So if you did see that email, that's where that one was, and we've already made that change for you. Yep. So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you.\n\nSo overall, very happy with how everything is going for your superannuation, so that's good. Now what is the next one you can see, Mary? Yes. Could you open this one for me? Yep.\n\nSo with this one here, it shows you a current breakdown of your situation. Now I can see that there is a little typo, so apologies of that. Where it says Hub24, that is your Netwealth account. So you have majority of your super in Netwealth. So you have about a $103,358 in there.\n\nNow you also have your rest sofa that we kept open for your insurances. Now with rest sofa, I couldn't get updated information from them because the authority we had had expired. So what I have done in this document is I have included a new it's called a TPA, so a third party authority. And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so. It will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances.\n\nAnd yeah. Perfect. And if it is that, depending on how much you have interest, I'll do some research for you. Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you. Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.\n\nDoes that make sense? Yes. Okay. So it will it will take rest, yeah, about a week or so for for for this for them to approve it, and that is just for me to do research. Now when when is a better time for you after?\n\nSo I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover. So if we needed to change some money around. So in about let me see here. The week of the June 1 to the June 4, do you know what your schedule looks like? Do you have any time?\n\nYeah? Yeah. What time? Yeah. Okay.\n\nLet me have a look here. I could do 10AM or 11AM. What works best for you? Would ten work? Yep?\n\nOkay. So I will book that in on Thursday, June 4 at 10AM. Now I'll give you a call once I've spoken through, Russ. And if it is that I do suggest that we move some money, I will put a proposal together for you. I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward.\n\nPerfect. Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and a Oakview services guide version one. Now I'll get you to have a look at them in your own time. You've probably seen this one a couple of times.\n\nIt is one of those compliance documents. But all the important information in regards to us is in there, but none of the important information has changed. We've had a bit of an update to marketing. So if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is good. Yep.\n\nNow the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now. Can you see that? Yep. And it will ask you to sign a couple of documents, and I will talk you through what they are. Sorry.\n\nLet me know what you can see fast when you click on that. Yep. Yes. Sorry. Let me just open it up here.\n\nDoes it say tax file number on the first section? Yes. Now this is just a form just another compliance form, but, basically, just let you know that we have your tax file number secure on file. So that's where this one is. Yep.\n\nThe next one, does that say authorization to search for lost super? Yep. Now what this one is is we do this every now and then just to check. But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about or that may be a previous employer or someone put some money into. And it just lets us find it.\n\nAnd then if so, if we find anything, I will let you know. And then we do some research and then see what we wanna do with it for you. Yep. Then after that, do you have authorization to collect information? Yep.\n\nThat is that rest form I mentioned earlier. So it just lets me do some research on rest for you just to to check that. And let me see. Do you then have an ongoing service agreement as well? Is that or is that the end?\n\nOh, yeah. Perfect. So that one here, does it say net worth on it? Yes. Now what this is, that is just your ongoing service agreement there, Mary.\n\nJust to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, it lets us service your account and manage everything for you in the meantime. Does that all make sense, Mary?\n\nYeah. Perfect. So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well. Oh, beautiful. Sure.\n\nIt's a bit like that, isn't it? Oh, perfect. Alright. These already come through to me, which is great. So you have completed everything correctly, and it's all over on my side already, which is good.\n\nSo that went fast. Yeah. So I will get this all processed with the team. I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen. So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen.\n\nAnd then I have you booked in on Thursday, June 4 at 10AM to go through any research that I could do on that rest super for you. Perfect. Do you have any other questions for me, Mary, before I let you go and enjoy the rest of your afternoon otherwise? No. Okay.\n\nIf you do think of anything, just let me know. Always give me a call, send me an email, or even write it down, and then you can ask me on the fourth as well. Alright. No problem. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth.\n\nOkay. Thanks, Mary. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.30257029831409454},{"text":"This is Mary.","start":3.52,"end":4.34,"sentiment":"neutral","sentiment_score":0.16489495833714804},{"text":"This is Veronica from HV Financial.","start":6.16,"end":8.42,"sentiment":"neutral","sentiment_score":0.19645201663176218},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.20890000462532043},{"text":"I'm good.","start":12.08,"end":12.88,"sentiment":"positive","sentiment_score":0.5521918833255768}],"sentiment":"neutral","sentiment_score":0.2506013344973326,"num_words":16,"start":2.8,"end":12.88},{"sentences":[{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.6396346092224121},{"text":"I had you booked in this afternoon to go over your annual review.","start":14.575001,"end":17.855,"sentiment":"positive","sentiment_score":0.35255306500654954},{"text":"Is now still a good time for you?","start":17.855,"end":19.475,"sentiment":"neutral","sentiment_score":0.2889069989323616},{"text":"Yes.","start":21.375,"end":21.855,"sentiment":"neutral","sentiment_score":0.2369631826877594},{"text":"Perfect.","start":21.855,"end":22.355,"sentiment":"positive","sentiment_score":0.4530629813671112}],"sentiment":"positive","sentiment_score":0.34267110874255496,"num_words":24,"start":12.88,"end":22.355},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":23.695,"end":32.15,"sentiment":"neutral","sentiment_score":0.05306525083799516},{"text":"Perfect.","start":34.13,"end":34.63,"sentiment":"neutral","sentiment_score":0.3286561965942383},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":34.85,"end":45.965,"sentiment":"neutral","sentiment_score":0.07115140049294992},{"text":"Yep.","start":50.905,"end":51.405,"sentiment":"neutral","sentiment_score":0.024916958063840863},{"text":"Yep.","start":53.945,"end":54.445,"sentiment":"neutral","sentiment_score":0.028329849243164062}],"sentiment":"neutral","sentiment_score":0.06529734322606627,"num_words":67,"start":23.695,"end":54.445},{"sentences":[{"text":"Yep.","start":62.28,"end":62.78,"sentiment":"neutral","sentiment_score":0.025340553373098373},{"text":"Yep.","start":64.92,"end":65.4,"sentiment":"neutral","sentiment_score":0.15398848056793213},{"text":"Amazing.","start":65.4,"end":65.88,"sentiment":"positive","sentiment_score":0.5811306238174438},{"text":"That's exactly what I have here.","start":65.88,"end":67.64,"sentiment":"positive","sentiment_score":0.6152782340844473},{"text":"And how's your day been?","start":67.64,"end":69.0,"sentiment":"neutral","sentiment_score":0.14627632945775987}],"sentiment":"positive","sentiment_score":0.3702507649681398,"num_words":14,"start":62.28,"end":69.0},{"sentences":[{"text":"Been busy?","start":69.0,"end":69.82,"sentiment":"neutral","sentiment_score":-0.010402819141745569},{"text":"Yeah.","start":79.305,"end":79.805,"sentiment":"neutral","sentiment_score":0.049182213842868805},{"text":"Oh, nice.","start":80.345,"end":81.16499,"sentiment":"neutral","sentiment_score":0.16019830852746964},{"text":"Yeah.","start":83.159996,"end":83.659996,"sentiment":"neutral","sentiment_score":0.16866672039031982},{"text":"Yeah.","start":87.64,"end":88.119995,"sentiment":"neutral","sentiment_score":0.17872175574302673}],"sentiment":"neutral","sentiment_score":0.09945166696395193,"num_words":7,"start":69.0,"end":88.119995},{"sentences":[{"text":"Oh, that's nice.","start":88.119995,"end":89.42,"sentiment":"neutral","sentiment_score":0.2993110915025075},{"text":"Well, I will try not to take up too much of your afternoon there, Mary.","start":89.71999,"end":93.34,"sentiment":"neutral","sentiment_score":0.06390644212563833},{"text":"But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening.","start":94.119995,"end":109.605,"sentiment":"neutral","sentiment_score":0.054937138532598816},{"text":"Yeah.","start":113.97,"end":114.47,"sentiment":"neutral","sentiment_score":0.13679510354995728},{"text":"Perfect.","start":114.53,"end":115.03,"sentiment":"neutral","sentiment_score":0.23469305038452148}],"sentiment":"neutral","sentiment_score":0.07019761542009341,"num_words":74,"start":88.119995,"end":115.03},{"sentences":[{"text":"Now what I will do first, Mary, is just to run through a bit of a updated fact find with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice.","start":115.49,"end":126.125,"sentiment":"neutral","sentiment_score":0.07816376131441859},{"text":"So just bear with me as I go through this information.","start":126.745,"end":129.725,"sentiment":"neutral","sentiment_score":0.06096794794906269},{"text":"Now when it comes to your personal information, I have you down here as single with no financial dependents.","start":131.065,"end":138.605,"sentiment":"neutral","sentiment_score":0.04062257069898279},{"text":"Is that correct?","start":138.66501,"end":139.565,"sentiment":"neutral","sentiment_score":0.06523558994134267},{"text":"Perfect.","start":141.31,"end":141.81,"sentiment":"neutral","sentiment_score":0.06173635274171829}],"sentiment":"neutral","sentiment_score":0.06604162851183475,"num_words":79,"start":115.49,"end":141.81},{"sentences":[{"text":"And next up, Ken, I have Matthew Fraser nominated.","start":141.87,"end":145.33,"sentiment":"neutral","sentiment_score":0.103467239273919},{"text":"Is that correct as well?","start":145.47,"end":146.93,"sentiment":"neutral","sentiment_score":0.10772728770971299},{"text":"And what's their relationship to yourself?","start":148.59,"end":151.33,"sentiment":"neutral","sentiment_score":0.02959672175347805},{"text":"Okay.","start":153.565,"end":154.065,"sentiment":"neutral","sentiment_score":0.06418907642364502},{"text":"Perfect.","start":155.64499,"end":156.14499,"sentiment":"positive","sentiment_score":0.4210649728775024}],"sentiment":"neutral","sentiment_score":0.09693981690162962,"num_words":22,"start":141.87,"end":156.14499},{"sentences":[{"text":"Would you because I only have Matthew listed.","start":156.205,"end":159.265,"sentiment":"neutral","sentiment_score":0.16908769309520721},{"text":"You're happy with that?","start":162.605,"end":163.745,"sentiment":"positive","sentiment_score":0.4022793546319008},{"text":"Yep.","start":164.94,"end":165.44,"sentiment":"neutral","sentiment_score":0.05470728501677513},{"text":"Okay.","start":165.5,"end":166.0,"sentiment":"neutral","sentiment_score":0.013423556461930277},{"text":"Now I don't have a contact number for for him, though.","start":166.3,"end":169.59999,"sentiment":"neutral","sentiment_score":-0.021275277503512123}],"sentiment":"neutral","sentiment_score":0.11183687008917331,"num_words":25,"start":156.205,"end":169.59999},{"sentences":[{"text":"Would you be able to give that to me, please?","start":169.9,"end":172.31999,"sentiment":"neutral","sentiment_score":0.006417530169710517},{"text":"Sure.","start":175.42,"end":175.9,"sentiment":"neutral","sentiment_score":0.030312299728393555},{"text":"Yep.","start":175.9,"end":176.4,"sentiment":"neutral","sentiment_score":0.020645175129175183},{"text":"Yep.","start":187.80501,"end":188.30501,"sentiment":"neutral","sentiment_score":0.011470882222056389},{"text":"Yep.","start":191.74,"end":192.24,"sentiment":"neutral","sentiment_score":0.00994218047708273}],"sentiment":"neutral","sentiment_score":0.009753274232415217,"num_words":14,"start":169.9,"end":192.24},{"sentences":[{"text":"Yep.","start":195.34001,"end":195.84001,"sentiment":"neutral","sentiment_score":0.009330252185463904},{"text":"Perfect.","start":200.06001,"end":200.56001,"sentiment":"positive","sentiment_score":0.35121774673461914},{"text":"Thank you so much.","start":200.70001,"end":201.90001,"sentiment":"positive","sentiment_score":0.5980154722929001},{"text":"I will update that.","start":201.90001,"end":203.36,"sentiment":"positive","sentiment_score":0.3364275246858597},{"text":"When it comes to employment, has any of that changed or still working?","start":205.415,"end":210.475,"sentiment":"neutral","sentiment_score":0.07226892789969078}],"sentiment":"neutral","sentiment_score":0.21903548041439574,"num_words":23,"start":195.34001,"end":210.475},{"sentences":[{"text":"Yep.","start":213.655,"end":214.155,"sentiment":"neutral","sentiment_score":0.04085839539766312},{"text":"And you're working part time?","start":214.295,"end":216.235,"sentiment":"neutral","sentiment_score":0.02753235585987568},{"text":"Perfect.","start":218.15,"end":218.63,"sentiment":"neutral","sentiment_score":0.14990180730819702},{"text":"And how many hours do you roughly do a week?","start":218.63,"end":221.75,"sentiment":"neutral","sentiment_score":0.03033432736992836},{"text":"Do you know?","start":221.75,"end":222.56999,"sentiment":"neutral","sentiment_score":0.019754798151552677}],"sentiment":"neutral","sentiment_score":0.03455148250795901,"num_words":20,"start":213.655,"end":222.56999},{"sentences":[{"text":"Okay.","start":227.51,"end":228.01,"sentiment":"neutral","sentiment_score":0.02902478352189064},{"text":"Yeah.","start":228.06999,"end":228.56999,"sentiment":"neutral","sentiment_score":0.03483717888593674},{"text":"Yes.","start":235.435,"end":235.935,"sentiment":"neutral","sentiment_score":0.03192858770489693},{"text":"Amazing.","start":246.17,"end":246.67,"sentiment":"positive","sentiment_score":0.4367016851902008},{"text":"Perfect.","start":246.97,"end":247.47,"sentiment":"positive","sentiment_score":0.4365004599094391}],"sentiment":"neutral","sentiment_score":0.19379853904247285,"num_words":5,"start":227.51,"end":247.47},{"sentences":[{"text":"That's really good.","start":247.69,"end":248.98999,"sentiment":"neutral","sentiment_score":0.3301345606644948},{"text":"Mhmm.","start":252.48999,"end":252.98999,"sentiment":"neutral","sentiment_score":-0.005063458811491728},{"text":"Mhmm.","start":253.335,"end":253.835,"sentiment":"neutral","sentiment_score":-0.003039431292563677},{"text":"Okay.","start":262.135,"end":262.635,"sentiment":"neutral","sentiment_score":0.10617341101169586},{"text":"Perfect.","start":262.695,"end":263.195,"sentiment":"neutral","sentiment_score":0.2700187563896179}],"sentiment":"neutral","sentiment_score":0.1940704227558204,"num_words":7,"start":247.69,"end":263.195},{"sentences":[{"text":"That's very good.","start":263.255,"end":264.375,"sentiment":"positive","sentiment_score":0.3801320493221283},{"text":"I will update.","start":264.375,"end":265.435,"sentiment":"neutral","sentiment_score":0.21343225240707397},{"text":"Yes.","start":266.36,"end":266.75998,"sentiment":"neutral","sentiment_score":0.16259175539016724},{"text":"It does.","start":266.75998,"end":267.24,"sentiment":"neutral","sentiment_score":0.19120705127716064},{"text":"It definitely does.","start":267.24,"end":268.19998,"sentiment":"neutral","sentiment_score":0.24165958166122437}],"sentiment":"neutral","sentiment_score":0.25422312567631405,"num_words":12,"start":263.255,"end":268.19998},{"sentences":[{"text":"And that's often sometimes the case through with part time.","start":268.19998,"end":272.84,"sentiment":"neutral","sentiment_score":0.09178420975804329},{"text":"It is that some weeks you do a little bit more, and other weeks it's a little bit less, and then it kind of adds up.","start":272.84,"end":279.58,"sentiment":"neutral","sentiment_score":0.09076894891376679},{"text":"So that definitely makes sense, so thank you for that.","start":280.145,"end":283.04498,"sentiment":"positive","sentiment_score":0.3791619449853897},{"text":"Now when it comes through income, I have you down here as earning about 36,000.","start":284.94498,"end":293.60498,"sentiment":"neutral","sentiment_score":0.06488571067651112},{"text":"Is that roughly the same?","start":295.94,"end":297.96,"sentiment":"neutral","sentiment_score":0.0514323927462101}],"sentiment":"neutral","sentiment_score":0.12575608853137854,"num_words":66,"start":268.19998,"end":297.96},{"sentences":[{"text":"We're also the same.","start":306.995,"end":307.795,"sentiment":"neutral","sentiment_score":0.09111721999943256},{"text":"Okay.","start":307.795,"end":308.295,"sentiment":"neutral","sentiment_score":0.13902635872364044},{"text":"Perfect.","start":308.355,"end":308.855,"sentiment":"neutral","sentiment_score":0.21067041158676147},{"text":"And are you making any additional contributions or anything to a super or just kind of that standard from your employer?","start":310.355,"end":317.495,"sentiment":"neutral","sentiment_score":0.09030924063353311},{"text":"Standard.","start":319.16998,"end":319.66998,"sentiment":"neutral","sentiment_score":0.08341526240110397}],"sentiment":"neutral","sentiment_score":0.09621696307190827,"num_words":28,"start":306.995,"end":319.66998},{"sentences":[{"text":"Yep.","start":319.72998,"end":320.22998,"sentiment":"neutral","sentiment_score":0.06902758777141571},{"text":"Perfect.","start":320.28998,"end":320.78998,"sentiment":"neutral","sentiment_score":0.18303227424621585},{"text":"Sorry?","start":323.33,"end":323.83,"sentiment":"neutral","sentiment_score":0.01770193502306938},{"text":"I I know.","start":329.56998,"end":330.44998,"sentiment":"neutral","sentiment_score":-0.021830926338831585},{"text":"I know.","start":330.44998,"end":331.09,"sentiment":"neutral","sentiment_score":-0.02788301557302475}],"sentiment":"neutral","sentiment_score":0.018562873359769583,"num_words":8,"start":319.72998,"end":331.09},{"sentences":[{"text":"Very much like that.","start":331.09,"end":332.445,"sentiment":"neutral","sentiment_score":-0.045317123644053936},{"text":"And most people, especially nowadays as well, with with everything going up.","start":332.685,"end":337.885,"sentiment":"neutral","sentiment_score":0.030552098527550697},{"text":"So I definitely feel that.","start":337.885,"end":340.065,"sentiment":"neutral","sentiment_score":0.10218376368284225},{"text":"And with, obviously, expenses and everything with your assets.","start":341.48502,"end":347.265,"sentiment":"neutral","sentiment_score":0.026756698472632304},{"text":"So I have here that your property last time we spoke with you was valued at about 300,000.","start":347.99002,"end":354.17,"sentiment":"neutral","sentiment_score":0.025595068310697872}],"sentiment":"neutral","sentiment_score":0.029120771291976173,"num_words":48,"start":331.09,"end":354.17},{"sentences":[{"text":"Do you know if that's roughly the same, or did that go up a little bit?","start":355.19,"end":359.11002,"sentiment":"neutral","sentiment_score":-0.01735287794144824},{"text":"Do you know?","start":359.11002,"end":359.85,"sentiment":"neutral","sentiment_score":-0.02276699369152387},{"text":"Mhmm.","start":362.575,"end":363.075,"sentiment":"neutral","sentiment_score":0.011875461786985396},{"text":"Yes.","start":380.43,"end":380.93,"sentiment":"neutral","sentiment_score":0.03346215933561325},{"text":"Yes.","start":390.045,"end":390.445,"sentiment":"neutral","sentiment_score":0.1726558357477188}],"sentiment":"neutral","sentiment_score":-0.005816071421246637,"num_words":22,"start":355.19,"end":390.445},{"sentences":[{"text":"That's good.","start":390.445,"end":391.265,"sentiment":"positive","sentiment_score":0.3640528917312622},{"text":"Mhmm.","start":391.64502,"end":392.14502,"sentiment":"neutral","sentiment_score":0.05468062683939934},{"text":"Yep.","start":404.62,"end":405.12,"sentiment":"neutral","sentiment_score":0.009417812339961529},{"text":"Yep.","start":419.435,"end":419.935,"sentiment":"neutral","sentiment_score":-0.004594419151544571},{"text":"Yes.","start":429.05,"end":429.55,"sentiment":"neutral","sentiment_score":0.04642469435930252}],"sentiment":"neutral","sentiment_score":0.1390057496416072,"num_words":6,"start":390.445,"end":429.55},{"sentences":[{"text":"Yep.","start":429.69,"end":430.19,"sentiment":"neutral","sentiment_score":0.0921083316206932},{"text":"Perfect.","start":430.33,"end":430.83,"sentiment":"neutral","sentiment_score":0.26872360706329346},{"text":"I'll roughly 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that you have a motor vehicle worth about thousand dollars.","start":446.06998,"end":452.00998,"sentiment":"neutral","sentiment_score":0.02594665102660656}],"sentiment":"neutral","sentiment_score":0.01861295608493189,"num_words":36,"start":435.605,"end":452.00998},{"sentences":[{"text":"Okay.","start":457.34998,"end":457.84998,"sentiment":"neutral","sentiment_score":0.043879713863134384},{"text":"Yes.","start":462.115,"end":462.615,"sentiment":"neutral","sentiment_score":0.029751544818282127},{"text":"About 3.","start":471.16998,"end":471.96997,"sentiment":"neutral","sentiment_score":0.024693181738257408},{"text":"Okay.","start":471.96997,"end":472.44998,"sentiment":"neutral","sentiment_score":0.07640427350997925},{"text":"Perfect.","start":472.44998,"end":472.94998,"sentiment":"neutral","sentiment_score":0.13830366730690002}],"sentiment":"neutral","sentiment_score":0.0562875938291351,"num_words":6,"start":457.34998,"end":472.94998},{"sentences":[{"text":"And do you have anything owing on it?","start":473.09,"end":475.18997,"sentiment":"neutral","sentiment_score":0.025449106469750404},{"text":"No.","start":477.00998,"end":477.49,"sentiment":"neutral","sentiment_score":-0.02894449606537819},{"text":"Okay.","start":477.49,"end":477.96997,"sentiment":"neutral","sentiment_score":0.023458369076251984},{"text":"Great.","start":477.96997,"end":478.46997,"sentiment":"neutral","sentiment_score":0.16239213943481445},{"text":"I also have here a credit card of about 3 thousand.","start":479.65,"end":484.06998,"sentiment":"neutral","sentiment_score":0.05814307572489435}],"sentiment":"neutral","sentiment_score":0.045457849871705876,"num_words":22,"start":473.09,"end":484.06998},{"sentences":[{"text":"Perfect.","start":486.33502,"end":486.83502,"sentiment":"neutral","sentiment_score":0.16260462999343872},{"text":"And a personal loan of about 3 and a half.","start":486.975,"end":490.435,"sentiment":"neutral","sentiment_score":0.06461475491523742},{"text":"So 3 and a half thousand.","start":491.135,"end":492.595,"sentiment":"neutral","sentiment_score":0.030126131139695644},{"text":"Okay.","start":500.19,"end":500.51,"sentiment":"neutral","sentiment_score":0.1410989910364151},{"text":"Good.","start":500.51,"end":501.01,"sentiment":"neutral","sentiment_score":0.1915404200553894}],"sentiment":"neutral","sentiment_score":0.06958675668819954,"num_words":19,"start":486.33502,"end":501.01},{"sentences":[{"text":"Mhmm.","start":501.87,"end":502.37,"sentiment":"neutral","sentiment_score":0.031236248090863228},{"text":"Yep.","start":507.47,"end":507.97,"sentiment":"neutral","sentiment_score":0.012074890546500685},{"text":"Yeah.","start":515.045,"end":515.445,"sentiment":"neutral","sentiment_score":0.04514913260936737},{"text":"Sure.","start":515.445,"end":515.945,"sentiment":"neutral","sentiment_score":0.06270885467529297},{"text":"Okay.","start":533.315,"end":533.815,"sentiment":"neutral","sentiment_score":0.0793820470571518}],"sentiment":"neutral","sentiment_score":0.04611023459583521,"num_words":5,"start":501.87,"end":533.815},{"sentences":[{"text":"No problem.","start":534.195,"end":535.175,"sentiment":"neutral","sentiment_score":0.14074692130088806},{"text":"I will change that.","start":535.315,"end":537.095,"sentiment":"neutral","sentiment_score":0.10631940886378287},{"text":"Any other changes to your assets or anything like that, Mary?","start":537.795,"end":541.735,"sentiment":"neutral","sentiment_score":0.028173910284584217},{"text":"No.","start":547.57,"end":547.97003,"sentiment":"neutral","sentiment_score":-0.05297545716166496},{"text":"Okay.","start":547.97003,"end":548.47003,"sentiment":"positive","sentiment_score":0.4476807713508606}],"sentiment":"neutral","sentiment_score":0.07428367396718577,"num_words":19,"start":534.195,"end":548.47003},{"sentences":[{"text":"Great.","start":548.61,"end":549.11,"sentiment":"positive","sentiment_score":0.7199707627296448},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":549.89,"end":557.35004,"sentiment":"neutral","sentiment_score":0.2904575280845165},{"text":"Is that still the case?","start":557.81,"end":559.11,"sentiment":"neutral","sentiment_score":0.16513945162296295},{"text":"Perfect.","start":561.08496,"end":561.58496,"sentiment":"positive","sentiment_score":0.5716784000396729},{"text":"And do you have any significant health issues or any injuries or anything that's changed in the last twelve months?","start":561.64496,"end":569.265,"sentiment":"neutral","sentiment_score":0.03987807370722294}],"sentiment":"neutral","sentiment_score":0.17586577545071758,"num_words":43,"start":548.61,"end":569.265},{"sentences":[{"text":"Yep.","start":574.78,"end":575.18,"sentiment":"neutral","sentiment_score":0.11287012696266174},{"text":"Okay.","start":575.18,"end":575.66,"sentiment":"neutral","sentiment_score":0.20262716710567472},{"text":"Perfect.","start":575.66,"end":576.16,"sentiment":"positive","sentiment_score":0.439185231924057},{"text":"And you just have a, like, inhaler for that if you need 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childhood?","start":585.435,"end":586.655,"sentiment":"neutral","sentiment_score":-0.02232551872730255},{"text":"Yes.","start":588.315,"end":588.815,"sentiment":"neutral","sentiment_score":0.04174790903925896},{"text":"Yes.","start":589.755,"end":590.255,"sentiment":"neutral","sentiment_score":0.06773276627063751},{"text":"Yep.","start":590.315,"end":590.815,"sentiment":"neutral","sentiment_score":0.09225442260503768}],"sentiment":"neutral","sentiment_score":0.007007206686668924,"num_words":9,"start":584.955,"end":590.815},{"sentences":[{"text":"Now that is okay.","start":591.435,"end":592.735,"sentiment":"neutral","sentiment_score":0.14583171345293522},{"text":"And when it comes to estate planning, so if something ever woulda happened to you, I have here that you do have a will in place.","start":593.835,"end":602.65,"sentiment":"neutral","sentiment_score":0.06876862027610724},{"text":"But last time we spoke to you, you mentioned that it kind of needed to be updated a little 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okay.","start":630.83,"end":631.49,"sentiment":"neutral","sentiment_score":0.026323499158024788},{"text":"Yeah.","start":637.07,"end":637.47,"sentiment":"neutral","sentiment_score":0.05117682367563248},{"text":"Okay.","start":637.47,"end":637.97,"sentiment":"neutral","sentiment_score":0.11351104080677032},{"text":"Perfect.","start":638.02997,"end":638.52997,"sentiment":"neutral","sentiment_score":0.24319443106651303}],"sentiment":"neutral","sentiment_score":0.07713397033512592,"num_words":6,"start":617.45496,"end":638.52997},{"sentences":[{"text":"And do you know someone that can help you get it done, or would you like me to get the team to send you an email with one of the, like, law firms that we work with closely when it comes to setting up a will, or do you know someone local?","start":638.75,"end":655.49,"sentiment":"neutral","sentiment_score":0.1006769912603956},{"text":"Okay.","start":658.67,"end":659.17,"sentiment":"neutral","sentiment_score":0.05432629585266113},{"text":"Oh, yeah.","start":676.3,"end":676.95996,"sentiment":"neutral","sentiment_score":0.0626876913011074},{"text":"You said altogether.","start":680.37994,"end":681.19995,"sentiment":"neutral","sentiment_score":0.06415786221623421},{"text":"That's good.","start":685.25995,"end":686.07996,"sentiment":"neutral","sentiment_score":0.297169953584671}],"sentiment":"neutral","sentiment_score":0.10336197863022487,"num_words":60,"start":638.75,"end":686.07996},{"sentences":[{"text":"Yeah.","start":689.575,"end":690.075,"sentiment":"neutral","sentiment_score":0.03690009564161301},{"text":"Yep.","start":700.87,"end":701.37,"sentiment":"neutral","sentiment_score":0.07575523853302002},{"text":"Yeah.","start":710.14996,"end":710.64996,"sentiment":"neutral","sentiment_score":0.11095923185348512},{"text":"Okay.","start":710.70996,"end":711.19,"sentiment":"neutral","sentiment_score":0.2139924168586731},{"text":"Perfect.","start":711.19,"end":711.67,"sentiment":"positive","sentiment_score":0.4240395724773407}],"sentiment":"neutral","sentiment_score":0.1723293110728264,"num_words":5,"start":689.575,"end":711.67},{"sentences":[{"text":"But it is good that it's all kind of together, and I know as well time is hard to find that time.","start":711.67,"end":718.815,"sentiment":"neutral","sentiment_score":0.2791834304278547},{"text":"So I completely completely get that.","start":719.59503,"end":722.175,"sentiment":"neutral","sentiment_score":0.32918097109844285},{"text":"But when it comes to your superannuation, so who you actually have nominated on your account, I do have a 100% going to David Lewis.","start":723.35504,"end":733.36,"sentiment":"neutral","sentiment_score":0.15420434325933458},{"text":"Is that correct?","start":736.46,"end":737.52,"sentiment":"neutral","sentiment_score":0.1344460571805636},{"text":"Yes.","start":743.59503,"end":744.09503,"sentiment":"neutral","sentiment_score":-0.03505977243185043}],"sentiment":"neutral","sentiment_score":0.21650014520345026,"num_words":57,"start":711.67,"end":744.09503},{"sentences":[{"text":"Yes.","start":745.275,"end":745.775,"sentiment":"neutral","sentiment_score":0.26853376626968384},{"text":"We can change that.","start":746.715,"end":747.995,"sentiment":"neutral","sentiment_score":0.1860598474740982},{"text":"So we can definitely do that.","start":747.995,"end":751.275,"sentiment":"positive","sentiment_score":0.6813726822535197},{"text":"Now with Matthew, your your brother, to make the nomination directly through Super.","start":751.275,"end":759.01,"sentiment":"neutral","sentiment_score":0.31363109900401187},{"text":"They are quite specific on who you can actually nominate.","start":759.01,"end":762.07,"sentiment":"neutral","sentiment_score":0.22127853631973265}],"sentiment":"positive","sentiment_score":0.33502937940990224,"num_words":34,"start":745.275,"end":762.07},{"sentences":[{"text":"Now you can still very much give it to your brother.","start":762.61,"end":765.43,"sentiment":"neutral","sentiment_score":0.31101385165344586},{"text":"We might just have to change how it's set up a little 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it.","start":788.91,"end":791.97,"sentiment":"neutral","sentiment_score":-0.015240567922592162},{"text":"So what we would do on the form is that we would change it to a legal personal representative.","start":792.26996,"end":802.055,"sentiment":"neutral","sentiment_score":0.03908335986106019},{"text":"Now, Mary, what that means is just basically a fancy word just saying that it goes to your will.","start":803.15497,"end":808.215,"sentiment":"neutral","sentiment_score":0.02851438894867897}],"sentiment":"neutral","sentiment_score":0.03452509625212235,"num_words":68,"start":782.865,"end":808.215},{"sentences":[{"text":"Now in your will, when you then speak to them, you can say that you would like it all to go to Matthew.","start":808.995,"end":815.0,"sentiment":"neutral","sentiment_score":-0.04587162561390711},{"text":"Yeah.","start":817.54,"end":818.01996,"sentiment":"neutral","sentiment_score":0.14968444406986237},{"text":"We would just have to structure it this way because super doesn't form part of your estate, and the only people you can nominate, like, directly, otherwise, without a will is, like, a spouse or a child or someone who are financially dependent on you.","start":818.01996,"end":837.335,"sentiment":"neutral","sentiment_score":0.055864676915937},{"text":"So so many clients who wants to give it to siblings or brothers and sisters or nephews and nieces.","start":837.335,"end":844.33997,"sentiment":"neutral","sentiment_score":0.28882995875258194},{"text":"So definitely still doable.","start":844.95996,"end":846.88,"sentiment":"positive","sentiment_score":0.56853948533535}],"sentiment":"neutral","sentiment_score":0.10185298558486544,"num_words":92,"start":808.995,"end":846.88},{"sentences":[{"text":"We would just change it.","start":846.88,"end":848.16,"sentiment":"positive","sentiment_score":0.3654822677373886},{"text":"So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative.","start":848.16,"end":860.255,"sentiment":"neutral","sentiment_score":0.2640615222975612},{"text":"Now I would still have to send them to you because you have to sign them and get a witness and then send it back to me.","start":861.59503,"end":870.53,"sentiment":"neutral","sentiment_score":0.02804414514038298},{"text":"And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like.","start":870.53,"end":884.845,"sentiment":"neutral","sentiment_score":0.20455372777390987},{"text":"Yep.","start":886.345,"end":886.845,"sentiment":"neutral","sentiment_score":0.21297061443328855}],"sentiment":"neutral","sentiment_score":0.1914504997432232,"num_words":120,"start":846.88,"end":886.845},{"sentences":[{"text":"Now, Mary, do you have access to a printer, or do you prefer post?","start":886.90497,"end":890.605,"sentiment":"neutral","sentiment_score":0.10088881318058286},{"text":"Post.","start":892.90497,"end":893.40497,"sentiment":"neutral","sentiment_score":0.11599273234605788},{"text":"Okay.","start":893.545,"end":893.945,"sentiment":"neutral","sentiment_score":0.2145095318555832},{"text":"So I will get the team to post this out to you, and I'll get them through, include a return envelope as well.","start":893.945,"end":902.61,"sentiment":"neutral","sentiment_score":0.29482359147590137},{"text":"Now I do wanna triple check the type of nomination you have for David.","start":904.51,"end":908.61,"sentiment":"neutral","sentiment_score":0.1133895878280912}],"sentiment":"neutral","sentiment_score":0.19078004683526056,"num_words":53,"start":886.90497,"end":908.61},{"sentences":[{"text":"It is a binding nonlapsing.","start":909.335,"end":911.515,"sentiment":"neutral","sentiment_score":0.09500936865806578},{"text":"Now that is typically the most common type, which means that it is binding.","start":912.135,"end":917.97504,"sentiment":"neutral","sentiment_score":0.08306071375097547},{"text":"So if something were to happen, basically, your super and insurance have to follow your wishes.","start":917.97504,"end":924.315,"sentiment":"neutral","sentiment_score":0.13187079224735498},{"text":"The other one is not as certain, which is called your your nonbinding.","start":924.82,"end":928.51996,"sentiment":"neutral","sentiment_score":0.0007139834073873666},{"text":"And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it.","start":929.54,"end":940.395,"sentiment":"neutral","sentiment_score":0.06221936035024769}],"sentiment":"neutral","sentiment_score":0.07161670180446492,"num_words":82,"start":909.335,"end":940.395},{"sentences":[{"text":"So would you would like would you like to keep the same, like, it is more certain than you don't have to change it?","start":940.875,"end":946.79504,"sentiment":"neutral","sentiment_score":0.24762398966898522},{"text":"Would you like the same style?","start":946.79504,"end":948.575,"sentiment":"neutral","sentiment_score":0.15122855951388678},{"text":"Just change it to Matthew.","start":948.875,"end":950.335,"sentiment":"neutral","sentiment_score":0.12323842942714691},{"text":"Okay.","start":953.52997,"end":954.02997,"sentiment":"neutral","sentiment_score":0.1851833462715149},{"text":"Yep.","start":954.08997,"end":954.58997,"sentiment":"neutral","sentiment_score":0.18158528208732605}],"sentiment":"neutral","sentiment_score":0.2117110239090146,"num_words":37,"start":940.875,"end":954.58997},{"sentences":[{"text":"Sorry.","start":954.97,"end":955.37,"sentiment":"neutral","sentiment_score":0.20570585131645203},{"text":"We can do that.","start":955.37,"end":957.23,"sentiment":"positive","sentiment_score":0.34617484360933304},{"text":"So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him.","start":957.29,"end":974.52496,"sentiment":"neutral","sentiment_score":0.2952172899475464},{"text":"Does that does that make sense?","start":975.625,"end":977.245,"sentiment":"neutral","sentiment_score":0.1872501696149508},{"text":"Okay.","start":978.6,"end":979.1,"sentiment":"positive","sentiment_score":0.3766542971134186}],"sentiment":"neutral","sentiment_score":0.28815405652858317,"num_words":64,"start":954.97,"end":979.1},{"sentences":[{"text":"Perfect.","start":979.24,"end":979.74,"sentiment":"positive","sentiment_score":0.5306915044784546},{"text":"Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones.","start":981.72,"end":998.665,"sentiment":"neutral","sentiment_score":0.2561953528118985},{"text":"Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care.","start":1000.165,"end":1013.83,"sentiment":"neutral","sentiment_score":0.19006703721566331},{"text":"Is that still something you are you are thinking of?","start":1013.83,"end":1016.65,"sentiment":"neutral","sentiment_score":0.12797125205397605},{"text":"Yep.","start":1021.60504,"end":1022.10504,"sentiment":"neutral","sentiment_score":0.2696753740310669}],"sentiment":"neutral","sentiment_score":0.22374454323345652,"num_words":104,"start":979.24,"end":1022.10504},{"sentences":[{"text":"Yeah.","start":1024.165,"end":1024.665,"sentiment":"positive","sentiment_score":0.3628347516059875},{"text":"Okay.","start":1024.725,"end":1025.2051,"sentiment":"positive","sentiment_score":0.5928393602371216},{"text":"Perfect.","start":1025.2051,"end":1025.7051,"sentiment":"positive","sentiment_score":0.8385617733001709},{"text":"Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary?","start":1026.9651,"end":1032.265,"sentiment":"positive","sentiment_score":0.6061961697904688},{"text":"No.","start":1036.35,"end":1036.85,"sentiment":"neutral","sentiment_score":-0.0797291249036789}],"sentiment":"positive","sentiment_score":0.5753145211416743,"num_words":23,"start":1024.165,"end":1036.85},{"sentences":[{"text":"No.","start":1036.99,"end":1037.39,"sentiment":"neutral","sentiment_score":-0.029244309291243553},{"text":"No problem.","start":1037.39,"end":1038.21,"sentiment":"neutral","sentiment_score":0.06760047376155853},{"text":"And when it comes to superannuation, we currently have you invested growth portfolio.","start":1039.79,"end":1049.295,"sentiment":"neutral","sentiment_score":0.06805180127804096},{"text":"Do you remember what it means to be a growth investor at all?","start":1049.995,"end":1054.015,"sentiment":"neutral","sentiment_score":0.039456467215831466},{"text":"No.","start":1055.595,"end":1056.095,"sentiment":"neutral","sentiment_score":-0.03730195015668869}],"sentiment":"neutral","sentiment_score":0.048875405949850875,"num_words":30,"start":1036.99,"end":1056.095},{"sentences":[{"text":"So, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire.","start":1056.315,"end":1067.35,"sentiment":"neutral","sentiment_score":-0.00003660940565168858},{"text":"But at the same time, someone who are comfortable seeing a bit of fluctuation short term in order to grow your super bit more long term.","start":1068.9299,"end":1079.2251,"sentiment":"neutral","sentiment_score":0.09228694395950207},{"text":"Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary?","start":1080.805,"end":1087.545,"sentiment":"neutral","sentiment_score":0.05059773703529076},{"text":"Okay.","start":1089.04,"end":1089.52,"sentiment":"neutral","sentiment_score":0.09700596332550047},{"text":"So I have just sent you an email.","start":1089.52,"end":1091.7001,"sentiment":"neutral","sentiment_score":0.11269975081086159}],"sentiment":"neutral","sentiment_score":0.05184041891225624,"num_words":87,"start":1056.315,"end":1091.7001},{"sentences":[{"text":"If you could open that for me because it makes it a bit easier while we are talking about this.","start":1091.76,"end":1096.3401,"sentiment":"neutral","sentiment_score":0.15933529883623124},{"text":"So let me know if you received that okay.","start":1097.28,"end":1099.4401,"sentiment":"neutral","sentiment_score":0.07964568750725852},{"text":"Sometimes it ends up in spam as well.","start":1099.4401,"end":1101.62,"sentiment":"negative","sentiment_score":-0.4044352285563946},{"text":"Hasn't come through.","start":1131.1951,"end":1132.155,"sentiment":"neutral","sentiment_score":-0.1973314086596171},{"text":"It should and there's nothing in spam either?","start":1132.155,"end":1134.7351,"sentiment":"neutral","sentiment_score":-0.14229879900813103}],"sentiment":"neutral","sentiment_score":-0.022132276712606352,"num_words":48,"start":1091.76,"end":1134.7351},{"sentences":[{"text":"Okay.","start":1140.97,"end":1141.47,"sentiment":"neutral","sentiment_score":-0.007447446696460247},{"text":"Yeah.","start":1142.57,"end":1143.07,"sentiment":"neutral","sentiment_score":0.0065467506647109985},{"text":"Because it it says on my on my side that it was received about 03:02.","start":1145.85,"end":1153.375,"sentiment":"neutral","sentiment_score":0.012990844792996843},{"text":"Like, cool.","start":1154.555,"end":1155.375,"sentiment":"neutral","sentiment_score":0.06918508419767022},{"text":"Oh, yeah.","start":1157.515,"end":1158.0751,"sentiment":"neutral","sentiment_score":0.12844081595540047}],"sentiment":"neutral","sentiment_score":0.028057798865206894,"num_words":21,"start":1140.97,"end":1158.0751},{"sentences":[{"text":"Perfect.","start":1158.0751,"end":1158.5751,"sentiment":"neutral","sentiment_score":0.26316630840301514},{"text":"No.","start":1160.475,"end":1160.795,"sentiment":"neutral","sentiment_score":-0.08812946826219559},{"text":"That's okay.","start":1160.795,"end":1161.355,"sentiment":"neutral","sentiment_score":-0.026575062423944473},{"text":"There is a bit of a storm right now.","start":1161.355,"end":1163.115,"sentiment":"neutral","sentiment_score":-0.12666268398364386},{"text":"Actually, we're in bit of torrential rain at the moment.","start":1163.115,"end":1165.97,"sentiment":"neutral","sentiment_score":-0.13293351158499717}],"sentiment":"neutral","sentiment_score":-0.10206141549607982,"num_words":23,"start":1158.0751,"end":1165.97},{"sentences":[{"text":"So I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it.","start":1165.97,"end":1173.6499,"sentiment":"neutral","sentiment_score":0.08565335412477625},{"text":"So if you can click on the email for me, Mary.","start":1173.6499,"end":1176.23,"sentiment":"neutral","sentiment_score":0.10223422741348093},{"text":"Now we have just changed the software, so it might look a little bit different to what you were used to.","start":1176.45,"end":1181.7949,"sentiment":"neutral","sentiment_score":-0.018042241710992085},{"text":"Now before you click on the link where it says sign doc documents or something like that, before you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there?","start":1185.0549,"end":1197.66,"sentiment":"neutral","sentiment_score":0.013726424729061682},{"text":"There should be one, two, three, four, five different attachments.","start":1197.66,"end":1200.3201,"sentiment":"neutral","sentiment_score":0.036797876842319964}],"sentiment":"neutral","sentiment_score":0.03673554146498965,"num_words":114,"start":1165.97,"end":1200.3201},{"sentences":[{"text":"It's great when it's great when it works, but sometimes there's a bit of a pain.","start":1222.92,"end":1226.4601,"sentiment":"neutral","sentiment_score":-0.005095681408420205},{"text":"Yes.","start":1236.265,"end":1236.6649,"sentiment":"neutral","sentiment_score":0.06113191694021225},{"text":"Okay.","start":1236.6649,"end":1237.1649,"sentiment":"neutral","sentiment_score":0.0537443645298481},{"text":"So can you see one where it says 2025 Vanguard index chart?","start":1237.465,"end":1242.6849,"sentiment":"neutral","sentiment_score":0.0555234815304478},{"text":"Can you see that one?","start":1242.745,"end":1243.89,"sentiment":"neutral","sentiment_score":0.037579814344644545}],"sentiment":"neutral","sentiment_score":0.02535789225782667,"num_words":35,"start":1222.92,"end":1243.89},{"sentences":[{"text":"Yes.","start":1249.33,"end":1249.73,"sentiment":"neutral","sentiment_score":0.06692145764827728},{"text":"Could you open that one for me?","start":1249.73,"end":1251.43,"sentiment":"neutral","sentiment_score":0.06513415489877973},{"text":"Yeah.","start":1257.185,"end":1257.685,"sentiment":"neutral","sentiment_score":0.0849096029996872},{"text":"Now you may have seen something like this before, but it is a good kind of visual representation of what we are talking about when we are talking about the market.","start":1257.985,"end":1272.61,"sentiment":"neutral","sentiment_score":0.19093684707918473},{"text":"Now this one here shows you from 1995 through to 2025.","start":1273.3099,"end":1280.13,"sentiment":"neutral","sentiment_score":0.122091028500687}],"sentiment":"neutral","sentiment_score":0.15431007290003346,"num_words":51,"start":1249.33,"end":1280.13},{"sentences":[{"text":"And you can kind of see here that over the long term, so when we are looking at a longer period of time, it always goes up.","start":1280.6699,"end":1289.0651,"sentiment":"neutral","sentiment_score":0.08726660838281666},{"text":"But if you look a bit more short term, there are obviously periods of time where it goes a bit of up and down.","start":1289.125,"end":1294.5851,"sentiment":"neutral","sentiment_score":-0.09569233035047849},{"text":"Okay?","start":1295.045,"end":1295.545,"sentiment":"neutral","sentiment_score":0.021235384047031403},{"text":"Now when we are then referring back to that growth portfolio, so how you are currently invested, we see about 80% invested in your top four there.","start":1296.9651,"end":1308.88,"sentiment":"neutral","sentiment_score":0.08190048251439024},{"text":"So you will see your your US shares, which is that kind of light green.","start":1309.18,"end":1314.48,"sentiment":"neutral","sentiment_score":0.0759132169187069}],"sentiment":"neutral","sentiment_score":0.03649818259192274,"num_words":94,"start":1280.6699,"end":1314.48},{"sentences":[{"text":"You have Australian shares, which is, like, your darker green.","start":1315.575,"end":1319.195,"sentiment":"neutral","sentiment_score":0.05406970232725143},{"text":"And then your international shares is, like, your yellow, and then the property, which is, like, your kinda maroon color.","start":1320.7749,"end":1328.875,"sentiment":"neutral","sentiment_score":0.09687632694840431},{"text":"So these are the ones that will give you the most amount of growth because you can kind of see that they have, you know, grown the most, but they also flux fluctuate the most.","start":1329.5299,"end":1339.1499,"sentiment":"neutral","sentiment_score":0.16161212623119353},{"text":"And then we have 20% in those bottom three.","start":1339.69,"end":1343.5449,"sentiment":"neutral","sentiment_score":0.12402056405941646},{"text":"So these are your defensive you can see that they're a little bit more straight lines than the others, but they don't grow as much either.","start":1343.5449,"end":1353.405,"sentiment":"neutral","sentiment_score":0.07561600179626392}],"sentiment":"neutral","sentiment_score":0.11216849103569984,"num_words":100,"start":1315.575,"end":1353.405},{"sentences":[{"text":"So that is essentially how we have you at the moment.","start":1353.83,"end":1357.29,"sentiment":"neutral","sentiment_score":0.1461026600816033},{"text":"And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire.","start":1358.39,"end":1369.4451,"sentiment":"neutral","sentiment_score":0.07042137920066263},{"text":"Are you still thinking of retiring at about 65?","start":1370.0651,"end":1373.345,"sentiment":"neutral","sentiment_score":0.016521339615186054},{"text":"Is that still the plan, or do you think you wanna retire early?","start":1373.345,"end":1377.525,"sentiment":"neutral","sentiment_score":0.017734294685606774},{"text":"About yeah.","start":1385.2001,"end":1386.72,"sentiment":"neutral","sentiment_score":-0.036752849351614714}],"sentiment":"neutral","sentiment_score":0.06230539651861524,"num_words":68,"start":1353.83,"end":1386.72},{"sentences":[{"text":"Okay.","start":1386.72,"end":1387.22,"sentiment":"neutral","sentiment_score":0.08606770634651184},{"text":"Okay.","start":1387.68,"end":1388.0801,"sentiment":"neutral","sentiment_score":0.2436787486076355},{"text":"Perfect.","start":1388.0801,"end":1388.5801,"sentiment":"positive","sentiment_score":0.49106526374816895},{"text":"And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week.","start":1389.12,"end":1401.075,"sentiment":"neutral","sentiment_score":0.15190697635213535},{"text":"You think something like that?","start":1401.615,"end":1403.5349,"sentiment":"neutral","sentiment_score":0.034650486707687375}],"sentiment":"neutral","sentiment_score":0.14608614323170563,"num_words":38,"start":1386.72,"end":1403.5349},{"sentences":[{"text":"Okay.","start":1403.5349,"end":1404.0349,"sentiment":"neutral","sentiment_score":0.08097468316555023},{"text":"So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around.","start":1404.4149,"end":1417.6,"sentiment":"neutral","sentiment_score":0.051525840925615886},{"text":"So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with.","start":1418.14,"end":1429.1549,"sentiment":"neutral","sentiment_score":0.10376631161745857},{"text":"You're happy with the the the growth portfolio still, the same as you have?","start":1431.615,"end":1435.875,"sentiment":"positive","sentiment_score":0.4795916442360197},{"text":"Yep.","start":1438.74,"end":1439.0599,"sentiment":"neutral","sentiment_score":0.1860712468624115}],"sentiment":"neutral","sentiment_score":0.1368279000443797,"num_words":93,"start":1403.5349,"end":1439.0599},{"sentences":[{"text":"Okay.","start":1439.0599,"end":1439.5599,"sentiment":"neutral","sentiment_score":0.1761930137872696},{"text":"Now as you then get closer to retirement and closer to wanting to take your money out, we can then start to gradually reduce that and shift it more to defensive when you get closer.","start":1439.78,"end":1452.375,"sentiment":"neutral","sentiment_score":0.06752858672823225},{"text":"That for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 65.","start":1452.9149,"end":1465.36,"sentiment":"neutral","sentiment_score":0.09178334772586823},{"text":"Does that all make sense so far, Mary?","start":1467.18,"end":1469.04,"sentiment":"neutral","sentiment_score":0.10851178597658873},{"text":"Yep.","start":1469.98,"end":1470.4601,"sentiment":"neutral","sentiment_score":0.1589908003807068}],"sentiment":"neutral","sentiment_score":0.08515426525298286,"num_words":85,"start":1439.0599,"end":1470.4601},{"sentences":[{"text":"Okay.","start":1470.4601,"end":1470.9401,"sentiment":"neutral","sentiment_score":0.30535852909088135},{"text":"Beautiful.","start":1470.9401,"end":1471.4401,"sentiment":"positive","sentiment_score":0.4688712954521179},{"text":"Now while we are in the email, what is the next document you can see to make it easier for you?","start":1472.78,"end":1480.375,"sentiment":"neutral","sentiment_score":0.12850804023799442},{"text":"Sure.","start":1481.235,"end":1481.735,"sentiment":"neutral","sentiment_score":0.05930355191230774},{"text":"Yes.","start":1501.49,"end":1501.99,"sentiment":"neutral","sentiment_score":0.03976859524846077}],"sentiment":"neutral","sentiment_score":0.14287883266806603,"num_words":25,"start":1470.4601,"end":1501.99},{"sentences":[{"text":"Yes.","start":1502.9451,"end":1503.265,"sentiment":"neutral","sentiment_score":0.04910770058631897},{"text":"Could you open that one for me?","start":1503.265,"end":1504.965,"sentiment":"neutral","sentiment_score":0.05068172088691166},{"text":"Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months.","start":1509.425,"end":1520.68,"sentiment":"neutral","sentiment_score":0.04668014246271923},{"text":"Now in the last twelve months, we have seen a bit of fluctuation in the market.","start":1521.3,"end":1525.14,"sentiment":"neutral","sentiment_score":-0.04734619741793722},{"text":"You may have seen on the news and stuff like that as well.","start":1525.14,"end":1527.9401,"sentiment":"neutral","sentiment_score":-0.029466130412541904}],"sentiment":"neutral","sentiment_score":0.010971673210893852,"num_words":69,"start":1502.9451,"end":1527.9401},{"sentences":[{"text":"There's obviously been a lot happening.","start":1527.9401,"end":1529.72,"sentiment":"neutral","sentiment_score":-0.056969886645674706},{"text":"Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well.","start":1530.345,"end":1537.785,"sentiment":"neutral","sentiment_score":-0.06188426269218326},{"text":"So we have seen a bit of fluctuations in the market.","start":1537.785,"end":1540.6849,"sentiment":"neutral","sentiment_score":-0.09182646328752692},{"text":"But despite all of that, though, your portfolio has still done pretty good.","start":1541.865,"end":1547.5,"sentiment":"positive","sentiment_score":0.41835392438448393},{"text":"So in the last twelve months, and this is all after fees, your portfolio has still gone up by 9.21, which we're really happy with, especially what what's happening in the market.","start":1548.0399,"end":1561.425,"sentiment":"positive","sentiment_score":0.6588180549442768}],"sentiment":"neutral","sentiment_score":0.29184369640651997,"num_words":82,"start":1527.9401,"end":1561.425},{"sentences":[{"text":"Yeah.","start":1563.3251,"end":1563.8251,"sentiment":"neutral","sentiment_score":0.12486839294433594},{"text":"Now you may have seen a little while ago, you got an email.","start":1564.685,"end":1569.425,"sentiment":"neutral","sentiment_score":0.037165847392036364},{"text":"Let me see if I can see when it was.","start":1570.5801,"end":1572.74,"sentiment":"neutral","sentiment_score":0.023182032629847527},{"text":"It was just about one investment change we did for you.","start":1572.74,"end":1576.12,"sentiment":"neutral","sentiment_score":0.04027651351961223},{"text":"We just did one investment switch.","start":1576.5801,"end":1578.34,"sentiment":"neutral","sentiment_score":0.042234216506282486}],"sentiment":"neutral","sentiment_score":0.03747052885591984,"num_words":41,"start":1563.3251,"end":1578.34},{"sentences":[{"text":"Now that was on the May 14.","start":1578.34,"end":1580.68,"sentiment":"neutral","sentiment_score":0.020156769081950188},{"text":"Actually, no.","start":1581.46,"end":1582.02,"sentiment":"neutral","sentiment_score":-0.04408977925777435},{"text":"Sorry.","start":1582.02,"end":1582.42,"sentiment":"neutral","sentiment_score":-0.12301510572433472},{"text":"My apologies.","start":1582.42,"end":1583.16,"sentiment":"neutral","sentiment_score":-0.17733339965343475},{"text":"That was on the March 12.","start":1583.7001,"end":1586.4049,"sentiment":"neutral","sentiment_score":-0.03811576745162407}],"sentiment":"neutral","sentiment_score":-0.036303260260158114,"num_words":18,"start":1578.34,"end":1586.4049},{"sentences":[{"text":"And that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment.","start":1587.345,"end":1594.245,"sentiment":"neutral","sentiment_score":0.0012482918369082303},{"text":"And we changed one that was underperforming a little bit to a to another one that is a little bit cheaper and performing a little bit better for you.","start":1594.385,"end":1603.73,"sentiment":"neutral","sentiment_score":0.008946737981048124},{"text":"So if you did see that email, that's where that one was, and we've already made that change for you.","start":1603.87,"end":1608.83,"sentiment":"neutral","sentiment_score":0.13808116279542446},{"text":"Yep.","start":1608.83,"end":1609.07,"sentiment":"neutral","sentiment_score":0.17269210517406464},{"text":"So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you.","start":1609.07,"end":1615.245,"sentiment":"neutral","sentiment_score":0.12263398617506027}],"sentiment":"neutral","sentiment_score":0.06403824964609857,"num_words":104,"start":1587.345,"end":1615.245},{"sentences":[{"text":"So overall, very happy with how everything is going for your superannuation, so that's good.","start":1615.785,"end":1621.885,"sentiment":"positive","sentiment_score":0.6319725533326467},{"text":"Now what is the next one you can see, Mary?","start":1623.305,"end":1625.485,"sentiment":"neutral","sentiment_score":0.05841076336801052},{"text":"Yes.","start":1631.5901,"end":1631.99,"sentiment":"neutral","sentiment_score":0.05804610252380371},{"text":"Could you open this one for me?","start":1631.99,"end":1633.77,"sentiment":"neutral","sentiment_score":0.03809121623635292},{"text":"Yep.","start":1639.6051,"end":1640.1051,"sentiment":"neutral","sentiment_score":0.056975603103637695}],"sentiment":"neutral","sentiment_score":0.3072163574397564,"num_words":34,"start":1615.785,"end":1640.1051},{"sentences":[{"text":"So with this one here, it shows you a current breakdown of your situation.","start":1640.3251,"end":1646.265,"sentiment":"neutral","sentiment_score":0.09312378455485616},{"text":"Now I can see that there is a little typo, so apologies of that.","start":1646.805,"end":1650.405,"sentiment":"neutral","sentiment_score":-0.028174197301268578},{"text":"Where it says Hub24, that is your Netwealth account.","start":1650.405,"end":1654.47,"sentiment":"neutral","sentiment_score":0.01632283938427766},{"text":"So you have majority of your super in Netwealth.","start":1655.01,"end":1658.79,"sentiment":"neutral","sentiment_score":0.08891148865222931},{"text":"So you have about a $103,358 in there.","start":1659.65,"end":1664.925,"sentiment":"neutral","sentiment_score":0.086451499722898}],"sentiment":"neutral","sentiment_score":0.04718546614188839,"num_words":54,"start":1640.3251,"end":1664.925},{"sentences":[{"text":"Now you also have your rest sofa that we kept open for your insurances.","start":1665.7251,"end":1671.265,"sentiment":"neutral","sentiment_score":0.07495123493884291},{"text":"Now with rest sofa, I couldn't get updated information from them because the authority we had had expired.","start":1672.6051,"end":1684.24,"sentiment":"neutral","sentiment_score":-0.11202933349543148},{"text":"So what I have done in this document is I have included a new it's called a TPA, so a third party authority.","start":1685.1799,"end":1693.895,"sentiment":"neutral","sentiment_score":0.01331552706213425},{"text":"And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so.","start":1694.675,"end":1702.055,"sentiment":"neutral","sentiment_score":0.3106419782225902},{"text":"It will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances.","start":1702.275,"end":1714.9,"sentiment":"neutral","sentiment_score":0.30388602153176353}],"sentiment":"neutral","sentiment_score":0.1640565101363946,"num_words":123,"start":1665.7251,"end":1714.9},{"sentences":[{"text":"And yeah.","start":1716.56,"end":1718.0,"sentiment":"neutral","sentiment_score":0.30972763895988464},{"text":"Perfect.","start":1718.0,"end":1718.48,"sentiment":"positive","sentiment_score":0.6631426811218262},{"text":"And if it is that, depending on how much you have interest, I'll do some research for you.","start":1718.48,"end":1724.535,"sentiment":"positive","sentiment_score":0.3621677905321121},{"text":"Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you.","start":1724.675,"end":1736.3701,"sentiment":"neutral","sentiment_score":0.31469812465680613},{"text":"Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start":1736.3701,"end":1742.2101,"sentiment":"positive","sentiment_score":0.4747794910713478}],"sentiment":"positive","sentiment_score":0.3795822948217392,"num_words":85,"start":1716.56,"end":1742.2101},{"sentences":[{"text":"Does that make sense?","start":1742.2101,"end":1743.3501,"sentiment":"neutral","sentiment_score":0.16444958373904228},{"text":"Yes.","start":1744.945,"end":1745.345,"sentiment":"neutral","sentiment_score":0.1618717610836029},{"text":"Okay.","start":1745.345,"end":1745.845,"sentiment":"neutral","sentiment_score":0.16484060883522034},{"text":"So it will it will take rest, yeah, about a week or so for for for this for them to approve it, and that is just for me to do research.","start":1746.225,"end":1755.2849,"sentiment":"neutral","sentiment_score":0.10868128292983578},{"text":"Now when when is a better time for you after?","start":1755.825,"end":1760.25,"sentiment":"neutral","sentiment_score":0.06434490904211998}],"sentiment":"neutral","sentiment_score":0.10632084183236386,"num_words":47,"start":1742.2101,"end":1760.25},{"sentences":[{"text":"So I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover.","start":1760.25,"end":1772.105,"sentiment":"neutral","sentiment_score":0.22117944080382584},{"text":"So if we needed to change some money around.","start":1772.165,"end":1775.065,"sentiment":"neutral","sentiment_score":-0.054390549659729004},{"text":"So in about let me see here.","start":1775.125,"end":1778.405,"sentiment":"neutral","sentiment_score":0.05342799212251391},{"text":"The week of the June 1 to the June 4, do you know what your schedule looks like?","start":1778.405,"end":1785.56,"sentiment":"neutral","sentiment_score":0.03441383793122239},{"text":"Do you have any time?","start":1786.02,"end":1787.56,"sentiment":"neutral","sentiment_score":0.014140769094228744}],"sentiment":"neutral","sentiment_score":0.11926343744691414,"num_words":79,"start":1760.25,"end":1787.56},{"sentences":[{"text":"Yeah?","start":1788.58,"end":1789.08,"sentiment":"neutral","sentiment_score":0.04232461377978325},{"text":"Yeah.","start":1809.7301,"end":1810.2301,"sentiment":"neutral","sentiment_score":0.03548634052276611},{"text":"What time?","start":1810.37,"end":1811.3501,"sentiment":"neutral","sentiment_score":0.02111962717026472},{"text":"Yeah.","start":1815.9701,"end":1816.37,"sentiment":"neutral","sentiment_score":0.05361353978514671},{"text":"Okay.","start":1816.37,"end":1816.77,"sentiment":"neutral","sentiment_score":0.07072372734546661}],"sentiment":"neutral","sentiment_score":0.040731245962282024,"num_words":6,"start":1788.58,"end":1816.77},{"sentences":[{"text":"Let me have a look here.","start":1816.77,"end":1818.39,"sentiment":"neutral","sentiment_score":0.08248548023402691},{"text":"I could do 10AM or 11AM.","start":1818.8501,"end":1823.1449,"sentiment":"neutral","sentiment_score":0.07057846896350384},{"text":"What works best for you?","start":1823.205,"end":1824.6649,"sentiment":"neutral","sentiment_score":0.12081857919692993},{"text":"Would ten work?","start":1827.2849,"end":1828.345,"sentiment":"neutral","sentiment_score":0.07533176988363266},{"text":"Yep?","start":1830.0049,"end":1830.485,"sentiment":"neutral","sentiment_score":0.07489767670631409}],"sentiment":"neutral","sentiment_score":0.08682712273938316,"num_words":21,"start":1816.77,"end":1830.485},{"sentences":[{"text":"Okay.","start":1830.485,"end":1830.985,"sentiment":"neutral","sentiment_score":0.10380670428276062},{"text":"So I will book that in on Thursday, June 4 at 10AM.","start":1831.2849,"end":1838.1,"sentiment":"neutral","sentiment_score":0.133529436464111},{"text":"Now I'll give you a call once I've spoken through, Russ.","start":1838.48,"end":1842.82,"sentiment":"neutral","sentiment_score":0.1696938912976872},{"text":"And if it is that I do suggest that we move some money, I will put a proposal together for you.","start":1843.04,"end":1849.8351,"sentiment":"neutral","sentiment_score":0.16066352934354827},{"text":"I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward.","start":1849.895,"end":1860.7151,"sentiment":"positive","sentiment_score":0.5687932388202565}],"sentiment":"positive","sentiment_score":0.3413667890084226,"num_words":82,"start":1830.485,"end":1860.7151},{"sentences":[{"text":"Perfect.","start":1863.08,"end":1863.58,"sentiment":"positive","sentiment_score":0.5855434536933899},{"text":"Now otherwise, Mary, back to the email, you should have two more documents.","start":1864.52,"end":1870.14,"sentiment":"neutral","sentiment_score":0.07565862226944703},{"text":"And that is a financial services guide version four and a Oakview services guide version one.","start":1870.9199,"end":1879.9651,"sentiment":"neutral","sentiment_score":0.03594558755867183},{"text":"Now I'll get you to have a look at them in your own time.","start":1880.425,"end":1883.545,"sentiment":"neutral","sentiment_score":0.1409003393990653},{"text":"You've probably seen this one a couple of times.","start":1883.545,"end":1885.9451,"sentiment":"neutral","sentiment_score":0.05571508076455858}],"sentiment":"neutral","sentiment_score":0.08713727212458286,"num_words":53,"start":1863.08,"end":1885.9451},{"sentences":[{"text":"It is one of those compliance documents.","start":1885.9451,"end":1888.125,"sentiment":"neutral","sentiment_score":0.04536563344299793},{"text":"But all the important information in regards to us is in there, but none of the important information has changed.","start":1888.84,"end":1895.82,"sentiment":"neutral","sentiment_score":-0.007375899981707334},{"text":"We've had a bit of an update to marketing.","start":1896.2799,"end":1898.5199,"sentiment":"neutral","sentiment_score":0.10061724401182598},{"text":"So if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is good.","start":1898.5199,"end":1906.035,"sentiment":"neutral","sentiment_score":0.29973900382007873},{"text":"Yep.","start":1907.215,"end":1907.715,"sentiment":"neutral","sentiment_score":0.20244848728179932}],"sentiment":"neutral","sentiment_score":0.16345708682719204,"num_words":72,"start":1885.9451,"end":1907.715},{"sentences":[{"text":"Now the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now.","start":1908.655,"end":1915.635,"sentiment":"neutral","sentiment_score":0.22233802538651687},{"text":"Can you see that?","start":1915.775,"end":1916.835,"sentiment":"neutral","sentiment_score":0.09335789270699024},{"text":"Yep.","start":1919.65,"end":1920.15,"sentiment":"neutral","sentiment_score":0.1250074803829193},{"text":"And it will ask you to sign a couple of documents, and I will talk you through what they are.","start":1920.2899,"end":1925.83,"sentiment":"neutral","sentiment_score":0.11132322680205106},{"text":"Sorry.","start":1933.825,"end":1934.225,"sentiment":"neutral","sentiment_score":-0.023434607312083244}],"sentiment":"neutral","sentiment_score":0.16312033923056263,"num_words":52,"start":1908.655,"end":1934.225},{"sentences":[{"text":"Let me know what you can see fast when you click on that.","start":1934.225,"end":1937.765,"sentiment":"neutral","sentiment_score":0.0067966626240656925},{"text":"Yep.","start":1941.68,"end":1942.18,"sentiment":"neutral","sentiment_score":0.026802774518728256},{"text":"Yes.","start":1956.255,"end":1956.755,"sentiment":"neutral","sentiment_score":0.023479830473661423},{"text":"Sorry.","start":1956.975,"end":1957.455,"sentiment":"neutral","sentiment_score":-0.0023773368448019028},{"text":"Let me just open it up here.","start":1957.455,"end":1959.3151,"sentiment":"neutral","sentiment_score":0.013252639610852514}],"sentiment":"neutral","sentiment_score":0.009957841718974321,"num_words":23,"start":1934.225,"end":1959.3151},{"sentences":[{"text":"Does it say tax file number on the first section?","start":1961.215,"end":1965.875,"sentiment":"neutral","sentiment_score":0.0115841343998909},{"text":"Yes.","start":1972.59,"end":1973.09,"sentiment":"neutral","sentiment_score":0.0641789436340332},{"text":"Now this is just a form just another compliance form, but, basically, just let you know that we have your tax file number secure on file.","start":1973.39,"end":1983.325,"sentiment":"neutral","sentiment_score":0.11020217721278851},{"text":"So that's where this one is.","start":1983.385,"end":1984.845,"sentiment":"neutral","sentiment_score":0.0775780522574981},{"text":"Yep.","start":1985.385,"end":1985.885,"sentiment":"neutral","sentiment_score":0.051013246178627014}],"sentiment":"neutral","sentiment_score":0.08094905579293316,"num_words":44,"start":1961.215,"end":1985.885},{"sentences":[{"text":"The next one, does that say authorization to search for lost super?","start":1986.425,"end":1991.085,"sentiment":"neutral","sentiment_score":0.023087687479952972},{"text":"Yep.","start":1992.68,"end":1993.18,"sentiment":"neutral","sentiment_score":0.09885440766811372},{"text":"Now what this one is is we do this every now and then just to check.","start":1993.24,"end":1997.74,"sentiment":"neutral","sentiment_score":0.10934771224856377},{"text":"But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about or that may be a previous employer or someone put some money into.","start":1997.9601,"end":2013.245,"sentiment":"neutral","sentiment_score":0.09696376467631622},{"text":"And it just lets us find it.","start":2013.945,"end":2015.625,"sentiment":"neutral","sentiment_score":0.19399936497211456}],"sentiment":"neutral","sentiment_score":0.09687339067459107,"num_words":80,"start":1986.425,"end":2015.625},{"sentences":[{"text":"And then if so, if we find anything, I will let you know.","start":2015.625,"end":2019.1649,"sentiment":"neutral","sentiment_score":0.1904900767482244},{"text":"And then we do some research and then see what we wanna do with it for you.","start":2019.38,"end":2023.24,"sentiment":"neutral","sentiment_score":-0.01349537945626413},{"text":"Yep.","start":2024.42,"end":2024.92,"sentiment":"neutral","sentiment_score":0.04487945884466171},{"text":"Then after that, do you have authorization to collect information?","start":2026.5,"end":2029.9601,"sentiment":"neutral","sentiment_score":0.024624534510076047},{"text":"Yep.","start":2032.6749,"end":2033.1749,"sentiment":"neutral","sentiment_score":0.0651237964630127}],"sentiment":"neutral","sentiment_score":0.06198090827092528,"num_words":42,"start":2015.625,"end":2033.1749},{"sentences":[{"text":"That is that rest form I mentioned earlier.","start":2033.235,"end":2035.7949,"sentiment":"neutral","sentiment_score":0.11409439519047737},{"text":"So it just lets me do some research on rest for you just to to check that.","start":2035.7949,"end":2042.855,"sentiment":"neutral","sentiment_score":0.09098071583053645},{"text":"And let me see.","start":2044.21,"end":2045.9099,"sentiment":"neutral","sentiment_score":0.03754917252808809},{"text":"Do you then have an ongoing service agreement as well?","start":2045.97,"end":2052.15,"sentiment":"neutral","sentiment_score":0.029845982044935226},{"text":"Is that or is that the end?","start":2052.45,"end":2054.05,"sentiment":"neutral","sentiment_score":0.023497194184788635}],"sentiment":"neutral","sentiment_score":0.06679487392387312,"num_words":46,"start":2033.235,"end":2054.05},{"sentences":[{"text":"Oh, yeah.","start":2054.05,"end":2054.45,"sentiment":"neutral","sentiment_score":0.07549203373491764},{"text":"Perfect.","start":2054.45,"end":2054.95,"sentiment":"neutral","sentiment_score":0.2290280759334564},{"text":"So that one here, does it say net worth on it?","start":2055.57,"end":2058.95,"sentiment":"neutral","sentiment_score":0.09023715691132979},{"text":"Yes.","start":2061.075,"end":2061.575,"sentiment":"neutral","sentiment_score":0.07928378134965897},{"text":"Now what this is, that is just your ongoing service agreement there, Mary.","start":2061.635,"end":2065.735,"sentiment":"neutral","sentiment_score":0.12759027973963663}],"sentiment":"neutral","sentiment_score":0.11109208169260196,"num_words":28,"start":2054.05,"end":2065.735},{"sentences":[{"text":"Just to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there.","start":2066.195,"end":2081.94,"sentiment":"neutral","sentiment_score":0.252613431332927},{"text":"And it is not a lock in contract.","start":2082.24,"end":2084.18,"sentiment":"neutral","sentiment_score":0.04441613401286304},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2084.24,"end":2089.06,"sentiment":"neutral","sentiment_score":0.01597888995375898},{"text":"But, otherwise, it lets us service your account and manage everything for you in the meantime.","start":2089.4648,"end":2093.885,"sentiment":"neutral","sentiment_score":0.20355516532436013},{"text":"Does that all make sense, Mary?","start":2094.105,"end":2095.645,"sentiment":"neutral","sentiment_score":0.08093871052066486}],"sentiment":"neutral","sentiment_score":0.1626136557004133,"num_words":86,"start":2066.195,"end":2095.645},{"sentences":[{"text":"Yeah.","start":2097.2249,"end":2097.7048,"sentiment":"neutral","sentiment_score":0.19601981341838837},{"text":"Perfect.","start":2097.7048,"end":2098.1848,"sentiment":"positive","sentiment_score":0.3566617965698242},{"text":"So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well.","start":2098.1848,"end":2111.03,"sentiment":"neutral","sentiment_score":0.18805393767662537},{"text":"Oh, beautiful.","start":2114.61,"end":2115.43,"sentiment":"positive","sentiment_score":0.4761311411857605},{"text":"Sure.","start":2119.585,"end":2120.085,"sentiment":"neutral","sentiment_score":0.17648550868034363}],"sentiment":"neutral","sentiment_score":0.20489847660064697,"num_words":44,"start":2097.2249,"end":2120.085},{"sentences":[{"text":"It's a bit like that, isn't it?","start":2126.145,"end":2127.9248,"sentiment":"neutral","sentiment_score":0.026442096701690128},{"text":"Oh, perfect.","start":2134.08,"end":2134.8,"sentiment":"positive","sentiment_score":0.4415743052959442},{"text":"Alright.","start":2134.8,"end":2135.04,"sentiment":"positive","sentiment_score":0.517554759979248},{"text":"These already come through to me, which is great.","start":2135.04,"end":2137.28,"sentiment":"positive","sentiment_score":0.6792627904150221},{"text":"So you have completed everything correctly, and it's all over on my side already, which is good.","start":2137.28,"end":2142.8,"sentiment":"positive","sentiment_score":0.7007081438513363}],"sentiment":"positive","sentiment_score":0.5447556001858579,"num_words":36,"start":2126.145,"end":2142.8},{"sentences":[{"text":"So that went fast.","start":2142.8,"end":2143.86,"sentiment":"positive","sentiment_score":0.6118250489234924},{"text":"Yeah.","start":2147.725,"end":2148.0452,"sentiment":"neutral","sentiment_score":0.24288852512836456},{"text":"So I will get this all processed with the team.","start":2148.0452,"end":2150.7852,"sentiment":"neutral","sentiment_score":0.27078358381986617},{"text":"I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen.","start":2151.645,"end":2163.25,"sentiment":"neutral","sentiment_score":0.24861170227328935},{"text":"So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen.","start":2163.63,"end":2171.89,"sentiment":"neutral","sentiment_score":0.17654871837846164}],"sentiment":"neutral","sentiment_score":0.243349483422935,"num_words":80,"start":2142.8,"end":2171.89},{"sentences":[{"text":"And then I have you booked in on Thursday, June 4 at 10AM to go through any research that I could do on that rest super for you.","start":2173.425,"end":2184.0,"sentiment":"neutral","sentiment_score":0.29596356781465666},{"text":"Perfect.","start":2185.92,"end":2186.42,"sentiment":"positive","sentiment_score":0.7746254801750183},{"text":"Do you have any other questions for me, Mary, before I let you go and enjoy the rest of your afternoon otherwise?","start":2186.56,"end":2192.02,"sentiment":"positive","sentiment_score":0.38220643590797077},{"text":"No.","start":2193.28,"end":2193.78,"sentiment":"neutral","sentiment_score":-0.017588462680578232},{"text":"Okay.","start":2194.0,"end":2194.4,"sentiment":"neutral","sentiment_score":0.16235317289829254}],"sentiment":"neutral","sentiment_score":0.33235682413544293,"num_words":53,"start":2173.425,"end":2194.4},{"sentences":[{"text":"If you do think of anything, just let me know.","start":2194.4,"end":2196.48,"sentiment":"neutral","sentiment_score":0.17661680281162262},{"text":"Always give me a call, send me an email, or even write it down, and then you can ask me on the fourth as well.","start":2196.48,"end":2201.415,"sentiment":"neutral","sentiment_score":0.15866320818662644},{"text":"Alright.","start":2202.7747,"end":2203.2747,"sentiment":"positive","sentiment_score":0.4025157690048218},{"text":"No problem.","start":2203.3347,"end":2204.0547,"sentiment":"positive","sentiment_score":0.5393275320529938},{"text":"I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth.","start":2204.0547,"end":2208.0747,"sentiment":"positive","sentiment_score":0.7506967097520828}],"sentiment":"positive","sentiment_score":0.38323884932645436,"num_words":58,"start":2194.4,"end":2208.0747},{"sentences":[{"text":"Okay.","start":2210.0547,"end":2210.5347,"sentiment":"positive","sentiment_score":0.335332453250885},{"text":"Thanks, Mary.","start":2210.5347,"end":2211.5146,"sentiment":"positive","sentiment_score":0.722021758556366},{"text":"Bye.","start":2212.6948,"end":2213.1948,"sentiment":"neutral","sentiment_score":-0.11847209930419922}],"sentiment":"positive","sentiment_score":0.41522596776485443,"num_words":4,"start":2210.0547,"end":2213.1948}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Correct. I'm pretty good. Thanks. How are you? Yeah. It still is. Yeah. That's fine. Yep. Mary Ann Fraser, the '15 to the sixth nineteen seventy eight, and 10 Namala Street, Cooma or Cooma North, New South Wales 2630. Yeah. I was busy this morning. I, I went to work this morning and finished at 01:00. So, yeah, so it's actually good to have half a day and finish early. Yeah. Just look just to be able to catch up and see what's happening down. Correct. Correct. Yes. Brother and sister. Giblings. Yes. Yes. I am. Yeah. Yeah. Just give me a second. Okay. 044, 88, 83 541. The Work Awards. Correct. Well, it's over a fortnight. Yeah. What okay. So one week I do twenty nine hours. The other week I do thirty four. So it's an average of thirty one and a half hours a week. So one week I do a little bit less. The other week I do a little bit more, but it's an average of thirty one point five hours a week, if that makes sense. Yes. Yeah. I'd say roughly around the same. That's just standard. Yeah. It's the it's the joys of the cost of living down. Yeah. So Yes. I think it's gone up. Because I just had or in the last six months and I know you guys are based in Queensland, but in New South Wales, we get a property land evaluation about every three years. And it came out in the last six months. Now the land this is just the land. It's not the house. It's it's gone up slightly. So going on that, I would reckon, yes, it the the evaluation would have gone up. So, look, I'm probably guessing maybe 380. Yeah. No. Yeah. Well, that changed. Yep. I do have a still have a motor vehicle, but it's probably worth about $3. No. Correct. Okay. So that personal line has been paid off. So yep. So so yes. Currently, I still have a personal line, but it's a hang on. Just give me a second. It's got 5,100 still owing on it. No. Yes. Correct. Just just as small as that's it. Yeah. I've been pretty much asthmatic all my life. Yes. Early call Yes. It did. No. It's it's still on the to do list. It's just I've had so many things happen, and, actually, I totally forgot all about doing it. So but, yes, it's still on the to do list. Yeah. Look. I've got someone local because yeah. Because I I have the the will I have is one of the local solicitors, and that's where my house deeds are. So it's all together. So it's just a matter of, at some stage, organizing some time to actually book in and to make an appointment and get that all changed. Yeah. But would I be able to get the him taken off and have Matthew? No. He doesn't. No. He doesn't. Okay. I can't yeah. Yep. Yep. Yes. Yep. No worries. Post, please. Okay. No. Yes. Yes. Just change it to Matthews. Yep. Yep. No worries. Yes. Yeah. It is. Yes. Not at this stage. No. No. No. Uh-huh. I do. Yes. Hasn't come through yet. Oh, man. Oh, yes. Sorry. Oh, sorry. My mistake. Yep. No. That's alright. Hang on. Yep. Yeah. Oh, come on. Oh, come on, you. Oh, you hard technology. Oh, dear lord. Oh, dear lord. Okay. Oh, yes. Hang on. Alright. Yes. Yep. Yes. Yeah. Yeah. Yeah. No. No. No. Probably about 65 or a bit yeah. A bit older. Yeah. Something yeah. Yes. At least I guess. Yeah. Yeah. Yeah. It does. Hang on. Just give me a sec. Okay. The twelve month net 12 IRR. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Yep. Super and insurance summary. Yep. Yes. Yeah. Yep. No worries. Yes. Yeah. Yes. I can do the fourth of of June. Probably morning. Yes. No worries. No worries. Yeah. No. Yes. Yeah. Yep. No. Hang on. Yeah. There's I can see what yeah. Signature. Yes. I kinda know. Yes. Yes. No. No worries. Yep. Yeah. Yes. Yes. Yep. Yep. Yeah. I'm oh, I'm nearly finished. And oh, it's loading, loading, loading, loading. Still loading. Oh, lord. Oh, look. Oh, here we go. Yes. Yep. Yes. No worries. I not no. Okay. No worries. Yeah. Okay. No worries. Bye. 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Yeah. Correct. I'm pretty good. Thanks.\n\nHow are you? Yeah. It still is. Yeah. That's fine.\n\nYep. Mary Ann Fraser, the '15 to the sixth nineteen seventy eight, and 10 Namala Street, Cooma or Cooma North, New South Wales 2630. Yeah. I was busy this morning. I, I went to work this morning and finished at 01:00.\n\nSo, yeah, so it's actually good to have half a day and finish early. Yeah. Just look just to be able to catch up and see what's happening down. Correct. Correct.\n\nYes. Brother and sister. Giblings. Yes. Yes.\n\nI am. Yeah. Yeah. Just give me a second. Okay.\n\n044, 88, 83 541. The Work Awards. Correct. Well, it's over a fortnight. Yeah.\n\nWhat okay. So one week I do twenty nine hours. The other week I do thirty four. So it's an average of thirty one and a half hours a week. So one week I do a little bit less.\n\nThe other week I do a little bit more, but it's an average of thirty one point five hours a week, if that makes sense. Yes. Yeah. I'd say roughly around the same. That's just standard.\n\nYeah. It's the it's the joys of the cost of living down. Yeah. So Yes. I think it's gone up.\n\nBecause I just had or in the last six months and I know you guys are based in Queensland, but in New South Wales, we get a property land evaluation about every three years. And it came out in the last six months. Now the land this is just the land. It's not the house. It's it's gone up slightly.\n\nSo going on that, I would reckon, yes, it the the evaluation would have gone up. So, look, I'm probably guessing maybe 380. Yeah. No. Yeah.\n\nWell, that changed. Yep. I do have a still have a motor vehicle, but it's probably worth about $3. No. Correct.\n\nOkay. So that personal line has been paid off. So yep. So so yes. Currently, I still have a personal line, but it's a hang on.\n\nJust give me a second. It's got 5,100 still owing on it. No. Yes. Correct.\n\nJust just as small as that's it. Yeah. I've been pretty much asthmatic all my life. Yes. Early call Yes.\n\nIt did. No. It's it's still on the to do list. It's just I've had so many things happen, and, actually, I totally forgot all about doing it. So but, yes, it's still on the to do list.\n\nYeah. Look. I've got someone local because yeah. Because I I have the the will I have is one of the local solicitors, and that's where my house deeds are. So it's all together.\n\nSo it's just a matter of, at some stage, organizing some time to actually book in and to make an appointment and get that all changed. Yeah. But would I be able to get the him taken off and have Matthew? No. He doesn't.\n\nNo. He doesn't. Okay. I can't yeah. Yep.\n\nYep. Yes. Yep. No worries. Post, please.\n\nOkay. No. Yes. Yes. Just change it to Matthews.\n\nYep. Yep. No worries. Yes. Yeah.\n\nIt is. Yes. Not at this stage. No. No.\n\nNo. Uh-huh. I do. Yes. Hasn't come through yet.\n\nOh, man. Oh, yes. Sorry. Oh, sorry. My mistake.\n\nYep. No. That's alright. Hang on. Yep.\n\nYeah. Oh, come on. Oh, come on, you. Oh, you hard technology. Oh, dear lord.\n\nOh, dear lord. Okay. Oh, yes. Hang on. Alright.\n\nYes. Yep. Yes. Yeah. Yeah.\n\nYeah. No. No. No. Probably about 65 or a bit yeah.\n\nA bit older. Yeah. Something yeah. Yes. At least I guess.\n\nYeah. Yeah. Yeah. It does. Hang on.\n\nJust give me a sec. Okay. The twelve month net 12 IRR. Yep. Yes.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nSuper and insurance summary. Yep. Yes. Yeah. Yep.\n\nNo worries. Yes. Yeah. Yes. I can do the fourth of of June.\n\nProbably morning. Yes. No worries. No worries. Yeah.\n\nNo. Yes. Yeah. Yep. No.\n\nHang on. Yeah. There's I can see what yeah. Signature. Yes.\n\nI kinda know. Yes. Yes. No. No worries.\n\nYep. Yeah. Yes. Yes. Yep.\n\nYep. Yeah. I'm oh, I'm nearly finished. And oh, it's loading, loading, loading, loading. Still loading.\n\nOh, lord. Oh, look. Oh, here we go. Yes. Yep.\n\nYes. No worries. I not no. Okay. No worries.\n\nYeah. Okay. No worries. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.036378808319568634},{"text":"Yeah.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.1838647574186325},{"text":"Correct.","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.215511292219162},{"text":"I'm pretty good.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.6429341435432434},{"text":"Thanks.","start":10.639999,"end":10.96,"sentiment":"positive","sentiment_score":0.7036038637161255}],"sentiment":"positive","sentiment_score":0.438308736043317,"num_words":7,"start":0.88,"end":10.96},{"sentences":[{"text":"How are you?","start":10.96,"end":11.78,"sentiment":"positive","sentiment_score":0.42083977659543353},{"text":"Yeah.","start":19.525,"end":19.845,"sentiment":"neutral","sentiment_score":0.14225493371486664},{"text":"It still 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oh, I'm nearly finished.","start":2112.35,"end":2114.05,"sentiment":"neutral","sentiment_score":0.24111526012420653},{"text":"And oh, it's loading, loading, loading, loading.","start":2118.11,"end":2124.05,"sentiment":"neutral","sentiment_score":0.0990390298621995},{"text":"Still loading.","start":2124.83,"end":2125.73,"sentiment":"neutral","sentiment_score":0.014183600898832084}],"sentiment":"neutral","sentiment_score":0.134049778978806,"num_words":16,"start":2096.49,"end":2125.73},{"sentences":[{"text":"Oh, lord.","start":2127.795,"end":2130.115,"sentiment":"neutral","sentiment_score":0.06801440194249153},{"text":"Oh, look.","start":2130.115,"end":2130.855,"sentiment":"neutral","sentiment_score":0.08321860432624817},{"text":"Oh, here we 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This is Mary.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: This is Veronica from HV Financial. How are you?\n\nChannel 1: I'm pretty good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. It still is.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Mary Ann Fraser, the '15 to\n\nChannel 0: Yep.\n\nChannel 1: the sixth nineteen seventy eight,\n\nChannel 0: Yep.\n\nChannel 1: and 10 Namala Street, Cooma or Cooma North, New South\n\nChannel 0: Yep.\n\nChannel 1: Wales 2630.\n\nChannel 0: Yep. Amazing. That's exactly what I have here. And how's your day been? Been busy?\n\nChannel 1: Yeah. I was busy this morning. I, I went to work this morning and finished at 01:00. So,\n\nChannel 0: Yeah. Oh, nice.\n\nChannel 1: yeah, so it's actually\n\nChannel 0: Yeah.\n\nChannel 1: good to have half a day and finish early.\n\nChannel 0: Yeah. Oh, that's nice. Well, I will try not to take up too much of your afternoon there, Mary. But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening.\n\nChannel 1: Yeah. Just look just to be able to catch up and see what's happening down.\n\nChannel 0: Yeah. Perfect. Now what I will do first, Mary, is just to run through a bit of a updated fact find with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now when it comes to your personal information, I have you down here as single with no financial dependents.\n\nIs that correct?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And next up, Ken, I have Matthew Fraser nominated. Is that correct as well?\n\nChannel 1: Correct. Yes.\n\nChannel 0: And what's their relationship to yourself?\n\nChannel 1: Brother and sister.\n\nChannel 0: Okay.\n\nChannel 1: Giblings.\n\nChannel 0: Perfect. Would you because I only have Matthew listed.\n\nChannel 1: Yes.\n\nChannel 0: You're happy with that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Now I don't\n\nChannel 1: I\n\nChannel 0: have a contact number for for him, though.\n\nChannel 1: am.\n\nChannel 0: Would you be able to give that to me, please?\n\nChannel 1: Yeah. Yeah. Just give me a second.\n\nChannel 0: Sure. Yep.\n\nChannel 1: Okay. 044,\n\nChannel 0: Yep.\n\nChannel 1: 88,\n\nChannel 0: Yep.\n\nChannel 1: 83\n\nChannel 0: Yep.\n\nChannel 1: 541.\n\nChannel 0: Perfect. Thank you so much. I will update that. When it comes to employment, has any of that changed or still working?\n\nChannel 1: The Work Awards.\n\nChannel 0: Yep. And you're working part time?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And how many hours do you roughly do a week? Do you know?\n\nChannel 1: Well, it's over a fortnight.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: What okay. So one week I do twenty nine hours. The\n\nChannel 0: Yes.\n\nChannel 1: other week I do thirty four. So it's an average of thirty one and a half hours a week.\n\nChannel 0: Amazing. Perfect. That's\n\nChannel 1: So\n\nChannel 0: really good.\n\nChannel 1: one week I do a little bit less. The\n\nChannel 0: Mhmm.\n\nChannel 1: other week I do\n\nChannel 0: Mhmm.\n\nChannel 1: a little bit more, but it's an average of thirty one point five hours a week,\n\nChannel 0: Okay. Perfect. That's very good. I\n\nChannel 1: if\n\nChannel 0: will\n\nChannel 1: that\n\nChannel 0: update.\n\nChannel 1: makes sense.\n\nChannel 0: Yes. It does. It definitely does. And that's often sometimes the case through with part time. It is that some weeks you do a little bit more, and other weeks it's a little bit less, and then it kind of adds up.\n\nSo that definitely makes sense, so thank you for that.\n\nChannel 1: Yes.\n\nChannel 0: Now when it comes through income, I have you down here as earning about 36,000. Is that roughly the same?\n\nChannel 1: Yeah. I'd say roughly around the same.\n\nChannel 0: We're also the same. Okay. Perfect. And are you making any additional contributions or anything to a super or just kind of that standard from your employer?\n\nChannel 1: That's just standard.\n\nChannel 0: Standard. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: It's\n\nChannel 0: Sorry?\n\nChannel 1: the it's the joys of the cost of living down.\n\nChannel 0: I I know. I know. Very much like that. And most\n\nChannel 1: Yeah.\n\nChannel 0: people,\n\nChannel 1: So\n\nChannel 0: especially nowadays as well,\n\nChannel 1: Yes.\n\nChannel 0: with with everything going up. So I definitely feel that. And with, obviously, expenses and everything with your assets. So I have here that your property last time we spoke with you was valued at about 300,000. Do you know if that's roughly the same, or did that go up a little bit?\n\nDo you know?\n\nChannel 1: I think it's gone up.\n\nChannel 0: Mhmm.\n\nChannel 1: Because I just had or in the last six months and I know you guys are based in Queensland,\n\nChannel 0: Yes.\n\nChannel 1: but in New South Wales, we get a property land evaluation about every three years.\n\nChannel 0: Yes. That's good. Mhmm.\n\nChannel 1: And it came out in the last six months. Now the land this is just the land. It's not the house.\n\nChannel 0: Yep.\n\nChannel 1: It's it's gone up slightly. So going on that, I would reckon, yes, it the the evaluation would have\n\nChannel 0: Yep.\n\nChannel 1: gone up. So, look, I'm probably guessing maybe 380.\n\nChannel 0: Yes. Yep. Perfect. I'll roughly yes. No.\n\nThat's okay. That's still a nice little increase, though.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And you don't have a mortgage on your property, do you?\n\nChannel 1: No.\n\nChannel 0: That's perfect. And I also have here that you have a motor vehicle worth about thousand dollars.\n\nChannel 1: Yeah. Well, that changed.\n\nChannel 0: Okay.\n\nChannel 1: Yep. I do have a still have a motor vehicle,\n\nChannel 0: Yes.\n\nChannel 1: but it's probably worth about $3.\n\nChannel 0: About 3. Okay. Perfect. And do you have anything owing on it? No.\n\nOkay. Great. I also have here a credit card of about 3\n\nChannel 1: No.\n\nChannel 0: thousand.\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And a personal loan of about 3 and a half. So 3\n\nChannel 1: Okay.\n\nChannel 0: and a half thousand.\n\nChannel 1: So that personal line has been paid off.\n\nChannel 0: Okay. Good.\n\nChannel 1: So yep. So\n\nChannel 0: Mhmm.\n\nChannel 1: so yes. Currently, I still have a personal line,\n\nChannel 0: Yep.\n\nChannel 1: but it's a hang on. Just give me a second.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: It's got 5,100 still owing on it.\n\nChannel 0: Okay. No problem. I will change that. Any other changes to your assets or anything like that, Mary?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Great. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Perfect. And do you have any significant health issues or any injuries or anything that's changed in the last twelve months?\n\nChannel 1: Just just as small as that's it.\n\nChannel 0: Yep. Okay. Perfect. And you just have a, like, inhaler for that if\n\nChannel 1: Yeah.\n\nChannel 0: you need it? Yeah.\n\nChannel 1: I've been pretty much asthmatic all my life.\n\nChannel 0: Yeah. Or was it from childhood?\n\nChannel 1: Yes. Early\n\nChannel 0: Yes. Yes. Yep. Now that is okay.\n\nChannel 1: call\n\nChannel 0: And when it comes to estate planning, so if something ever woulda happened to you, I have here that you do have a will in place. But last time we spoke to you, you mentioned that it kind of needed to be updated a little bit.\n\nChannel 1: Yes. It did.\n\nChannel 0: Yes? Did you get it updated, or is it still on the to do list?\n\nChannel 1: No. It's it's still on the to do list. It's\n\nChannel 0: Yep.\n\nChannel 1: just I've had so many things happen, and, actually, I totally forgot all about doing it.\n\nChannel 0: That's okay.\n\nChannel 1: So but, yes, it's still on the to do list.\n\nChannel 0: Yeah. Okay. Perfect. And do you know someone that can help you get it done, or would you like me to get the team to send you an email with one of the, like, law firms that we work with closely when it comes to setting up a will, or do you know someone local?\n\nChannel 1: Yeah. Look. I've got someone local\n\nChannel 0: Okay.\n\nChannel 1: because yeah. Because I I have the the will I have is one of the local solicitors,\n\nChannel 0: Oh, yeah.\n\nChannel 1: and that's where my house deeds are.\n\nChannel 0: You said altogether.\n\nChannel 1: So it's all together. So\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: good.\n\nChannel 1: just a matter of, at some stage,\n\nChannel 0: Yeah.\n\nChannel 1: organizing some time to actually book in\n\nChannel 0: Yep.\n\nChannel 1: and to make an appointment and get that all changed.\n\nChannel 0: Yeah. Okay. Perfect. But it is good that it's all kind of together, and I know as well time is hard to find that time. So I completely completely get that.\n\nBut when it comes to your superannuation, so who you actually have nominated on your account, I do have a 100% going to David Lewis. Is that correct?\n\nChannel 1: Yeah. But would I be able to get the him taken off and have\n\nChannel 0: Yes.\n\nChannel 1: Matthew?\n\nChannel 0: Yes. We can change that. So we can definitely do that. Now with Matthew, your your brother, to make the nomination directly through Super. They are quite specific on who you can actually nominate.\n\nNow you can still very much give it to your brother. We might just have to change how it's set up a little bit. So when it comes to your relationship with your brother, does he live with you?\n\nChannel 1: No. He doesn't.\n\nChannel 0: Okay. Does he rely financially on you?\n\nChannel 1: No. He doesn't.\n\nChannel 0: Okay. So what we what we can do then is, like I said, you can still give it to him. We would just have to change how we structure it. So\n\nChannel 1: Okay.\n\nChannel 0: what we would do on the form is that we would change it to a legal personal representative. Now, Mary, what that means is just basically a fancy word just saying that it goes to your will. Now\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: can't\n\nChannel 0: your will,\n\nChannel 1: yeah.\n\nChannel 0: when you then speak to them, you can say that you would like it all to go to Matthew.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. We would just have to structure it this way because super doesn't form part of your estate, and the only people you can nominate, like, directly, otherwise, without a will is, like, a spouse or a child or someone who are financially dependent on you. So\n\nChannel 1: Yep.\n\nChannel 0: so many clients who wants to give it to siblings or brothers and sisters or nephews and nieces. So definitely still doable. We would just change it. So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative. Now I would\n\nChannel 1: Yes.\n\nChannel 0: still have to send them to you because you have to sign them and get a witness and then send it back to me. And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Now, Mary, do you have access to a printer, or do you prefer post?\n\nChannel 1: Post, please.\n\nChannel 0: Post. Okay. So I will get the team to post this out to you, and I'll get them through, include a return envelope as well.\n\nChannel 1: Okay. No.\n\nChannel 0: Now I do wanna triple check the type of nomination you have for David. It is a binding nonlapsing. Now that is typically the most common type, which means that it is binding. So if something were to happen, basically, your super and insurance have to follow your wishes. The other\n\nChannel 1: Yes.\n\nChannel 0: one is not as certain, which is called your your nonbinding. And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it. So would\n\nChannel 1: Yes.\n\nChannel 0: you would like would you like to keep the same, like, it is more certain than you don't have to change it? Would you like the same style? Just change it to Matthew.\n\nChannel 1: Just change it to Matthews.\n\nChannel 0: Okay. Yep. Sorry. We can do that. So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and\n\nChannel 1: Yep.\n\nChannel 0: then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Does that does that make\n\nChannel 1: Yes.\n\nChannel 0: sense? Okay. Perfect. Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones. Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care.\n\nIs that still something you are you are thinking of?\n\nChannel 1: Yeah. It is.\n\nChannel 0: Yep. Yeah. Okay. Perfect. Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary?\n\nChannel 1: Yes. Not at this stage. No.\n\nChannel 0: No. No. No problem. And when it comes to superannuation, we currently have you invested growth portfolio. Do you remember what it means to be a growth investor at all?\n\nChannel 1: No.\n\nChannel 0: No. So, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire.\n\nChannel 1: No.\n\nChannel 0: But at the same time, someone who are comfortable seeing a bit of fluctuation\n\nChannel 1: Uh-huh.\n\nChannel 0: short term in order to grow your super bit more long term. Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary?\n\nChannel 1: I do. Yes.\n\nChannel 0: Okay. So I have just sent you an email. If you could open that for me because it makes it a bit easier while we are talking about this. So let me know if you received that okay. Sometimes it ends up in spam as well.\n\nChannel 1: Hasn't come through yet.\n\nChannel 0: Hasn't come through. It should and there's nothing in spam either? Okay. Yeah. Because it it says on my on my side that it was received about 03:02.\n\nLike,\n\nChannel 1: Oh, man.\n\nChannel 0: cool.\n\nChannel 1: Oh, yes. Sorry.\n\nChannel 0: Oh, yeah. Perfect.\n\nChannel 1: Oh, sorry. My mistake.\n\nChannel 0: No. That's okay. There is a bit of a storm right now. Actually, we're in bit of torrential rain at the moment. So I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it.\n\nSo if you can click on the email for me, Mary. Now\n\nChannel 1: Yep.\n\nChannel 0: we have just changed the software, so it might look a little bit different to what you were used to.\n\nChannel 1: No. That's alright. Hang on.\n\nChannel 0: Now before you click on the link where it says sign doc documents or something like that, before\n\nChannel 1: Yep.\n\nChannel 0: you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there? There should be one, two, three, four, five different attachments.\n\nChannel 1: Yeah. Oh, come on. Oh, come on, you. Oh, you hard technology.\n\nChannel 0: It's\n\nChannel 1: Oh,\n\nChannel 0: great when it's great when it works, but sometimes there's a bit of a pain.\n\nChannel 1: dear lord. Oh, dear lord. Okay. Oh, yes.\n\nChannel 0: Yes. Okay. So can you see one where it says 2025 Vanguard index chart? Can you see that one?\n\nChannel 1: Hang on. Alright. Yes.\n\nChannel 0: Yes. Could you open that one for me?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now you may have seen something like this before, but it is a good kind of visual representation of what we are talking about when we are talking about the market. Now this one here shows you from 1995 through to 2025. And you can kind of see here that over the long term, so when we are looking at a longer period of time, it always goes up. But if you look a bit more short term, there are obviously periods of time where it goes a bit of up and down.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: Now when we are then referring back to that growth portfolio, so how you are currently invested, we see about 80% invested in your top four there. So you will see your your US shares, which is that kind of light green.\n\nChannel 1: Yeah.\n\nChannel 0: You have Australian shares, which is, like, your darker green.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then your international shares is, like, your yellow, and then the property, which is, like, your kinda maroon color. So these are the ones that will give you the most amount of growth because you can kind of see that they have, you know, grown the most, but they also flux fluctuate the most. And then we have 20% in those bottom three. So these are your defensive you can see that they're a little bit more straight lines than\n\nChannel 1: No.\n\nChannel 0: the others, but they don't grow as much either. So that is essentially how we have you at the moment. And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire. Are you still thinking of retiring at about 65? Is that still the plan, or do you think you wanna retire early?\n\nChannel 1: No. No. Probably about 65 or a bit\n\nChannel 0: About\n\nChannel 1: yeah. A bit\n\nChannel 0: yeah.\n\nChannel 1: older.\n\nChannel 0: Okay. Okay. Perfect. And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Something\n\nChannel 0: think\n\nChannel 1: yeah.\n\nChannel 0: something like that? Okay. So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around. So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with.\n\nChannel 1: Yes.\n\nChannel 0: You're happy with the the the growth portfolio still, the same as you have?\n\nChannel 1: At least I guess.\n\nChannel 0: Yep. Okay. Now as you then get closer to retirement and closer to wanting to take your money out, we can then start to gradually reduce that and shift it more to defensive when you get closer. That\n\nChannel 1: Yeah.\n\nChannel 0: for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 65. Does\n\nChannel 1: Yeah.\n\nChannel 0: that all make sense so far, Mary?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yep. Okay. Beautiful. Now while we are in the email, what is the next document you can see to make it easier for\n\nChannel 1: Hang on. Just give\n\nChannel 0: you?\n\nChannel 1: me a sec.\n\nChannel 0: Sure.\n\nChannel 1: Okay. The twelve month net 12\n\nChannel 0: Yes.\n\nChannel 1: IRR.\n\nChannel 0: Yes. Could you open that one for me?\n\nChannel 1: Yep.\n\nChannel 0: Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months. Now in the last twelve months, we have seen a bit of fluctuation in the market. You may have seen on the news and stuff like that as well. There's obviously been a lot happening. Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well.\n\nSo we have seen\n\nChannel 1: Yes.\n\nChannel 0: a bit of fluctuations in the market. But despite all of that, though, your portfolio has still done pretty good. So in the last twelve months, and this is all after fees, your portfolio has still gone up by 9.21, which we're really happy with, especially what what's happening in the market.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now you may have seen a little while ago, you got an email. Let me see if I can see when it was. It was just about one investment change we did for you. We just did one investment switch.\n\nNow that was on the May 14. Actually, no. Sorry. My apologies. That was on the March 12.\n\nAnd that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment. And we changed one that was underperforming a little bit\n\nChannel 1: Yeah.\n\nChannel 0: to a to another one that is a little bit cheaper and performing a little bit better for you. So\n\nChannel 1: Yeah.\n\nChannel 0: if you did see that email, that's where that one was, and we've already made that change for you. Yep. So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you.\n\nChannel 1: Yeah.\n\nChannel 0: So overall, very happy with how everything is going for your superannuation, so that's\n\nChannel 1: Yep.\n\nChannel 0: good. Now what is the next one you can see, Mary?\n\nChannel 1: Super and insurance summary.\n\nChannel 0: Yes. Could you open this one for me?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So with this one here, it shows you a current breakdown of your situation. Now I can see that there is a little typo, so apologies of that. Where it says Hub24, that is your Netwealth account. So you have majority of your super in Netwealth.\n\nSo you have about a $103,358 in there. Now you also have your rest sofa that we kept open for your insurances. Now with rest sofa, I couldn't get updated information from them because the authority we had had expired. So what I have done in this document is I have included a new it's called a TPA, so a third party authority. And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so.\n\nIt\n\nChannel 1: Yes.\n\nChannel 0: will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances.\n\nChannel 1: Yeah. Yep. No\n\nChannel 0: And\n\nChannel 1: worries.\n\nChannel 0: yeah. Perfect. And if it is that, depending on how much you have interest, I'll do some research for you. Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you. Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.\n\nDoes that\n\nChannel 1: Yes.\n\nChannel 0: make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Okay. So it will it will take rest, yeah, about a week or so for for for this for them to approve it, and that is just for me to do research. Now\n\nChannel 1: Yes.\n\nChannel 0: when when is a better time for you after? So I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover. So if we needed to change some money around. So in about let me see here. The week of the June 1 to the June 4, do you know what your schedule looks like?\n\nDo you have any time? Yeah?\n\nChannel 1: I can do the fourth of of June.\n\nChannel 0: Yeah. What time?\n\nChannel 1: Probably morning.\n\nChannel 0: Yeah. Okay. Let me have a look here. I could do 10AM or 11AM. What works best for you?\n\nChannel 1: Yes.\n\nChannel 0: Would ten work? Yep? Okay. So I will book that in on Thursday, June 4 at 10AM. Now\n\nChannel 1: No worries.\n\nChannel 0: I'll give you a call once I've spoken through, Russ. And if it is that I do suggest that we move some money, I will put a proposal together for you. I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward.\n\nChannel 1: No worries.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and\n\nChannel 1: No.\n\nChannel 0: a Oakview services guide version one. Now I'll\n\nChannel 1: Yes.\n\nChannel 0: get you to have a look at them in your own time. You've probably seen this one a couple of times. It is one of those compliance documents. But all the important information in regards to us is in there, but none of the important information has changed. We've had a bit of an update to marketing.\n\nSo if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is good.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And it will ask you to sign a couple of documents, and I will talk you through what they are. Sorry. Let me know what you can see fast when you click on that. Yep.\n\nChannel 1: No. Hang on. Yeah. There's I can see what yeah. Signature.\n\nChannel 0: Yes. Sorry. Let me just open it up here. Does it say tax file number on the first section?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Now this is just a form just another compliance form, but, basically, just let you know that we have your tax file number secure on file. So that's\n\nChannel 1: I\n\nChannel 0: where\n\nChannel 1: kinda\n\nChannel 0: this one is. Yep. The next one, does that say authorization\n\nChannel 1: know.\n\nChannel 0: to search for lost super?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now what this one is is we do this every now and then just to check. But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about\n\nChannel 1: Yes.\n\nChannel 0: or that may be a previous employer or someone put some money into. And it just lets us find it. And then if so, if we find anything, I will let you know. And then we\n\nChannel 1: No.\n\nChannel 0: do some research and then see what we wanna do with it for you.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Then after that, do you have authorization to collect information?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That is that rest form I mentioned earlier. So it just lets me do some research on rest for you\n\nChannel 1: Yeah.\n\nChannel 0: just to to check that. And let me see. Do you then have an ongoing service agreement as well? Is that\n\nChannel 1: Yes.\n\nChannel 0: or is that the end? Oh, yeah. Perfect. So that one here, does it say net worth on it?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Now what this is, that is just your ongoing service agreement there, Mary. Just to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.\n\nBut, otherwise, it lets us service your account and manage everything for you in the meantime. Does that\n\nChannel 1: Yep.\n\nChannel 0: all make sense, Mary?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well.\n\nChannel 1: Yeah. I'm oh, I'm nearly finished.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: And\n\nChannel 0: Sure.\n\nChannel 1: oh, it's loading, loading, loading, loading. Still loading.\n\nChannel 0: It's a bit like that, isn't it?\n\nChannel 1: Oh, lord. Oh, look. Oh, here we go.\n\nChannel 0: Oh, perfect. Alright. These already come through to me, which is great. So you have completed everything correctly, and it's all over on my side already, which is good. So that went fast.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So I will get this all processed with the team. I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen. So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen.\n\nChannel 1: Yep.\n\nChannel 0: And then I have you booked in on Thursday, June 4 at 10AM to go through any research that I could do on that rest super for you.\n\nChannel 1: Yes. No worries.\n\nChannel 0: Perfect. Do you have any other questions for me, Mary, before I let you go and enjoy the rest of your afternoon otherwise?\n\nChannel 1: I not no.\n\nChannel 0: No. Okay. If you do think of anything, just let me know. Always give me a call, send me an email, or even write it down, and then you can ask me on the fourth as well.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Alright. No problem.\n\nChannel 1: Yeah.\n\nChannel 0: I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Okay. Thanks, Mary.\n\nChannel 1: Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.036378808319568634}],"sentiment":"neutral","sentiment_score":0.036378808319568634,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.30257029831409454},{"text":"This is Mary.","start":3.52,"end":4.34,"sentiment":"neutral","sentiment_score":0.16489495833714804}],"sentiment":"neutral","sentiment_score":0.21996509432792663,"channel":0,"num_words":5,"start":2.8,"end":4.34},{"sentences":[{"text":"Yeah.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.1838647574186325},{"text":"Correct.","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.215511292219162}],"sentiment":"neutral","sentiment_score":0.19968802481889725,"channel":1,"num_words":2,"start":4.72,"end":5.54},{"sentences":[{"text":"This is Veronica from HV Financial.","start":6.16,"end":8.42,"sentiment":"neutral","sentiment_score":0.19645201663176218},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.20890000462532043}],"sentiment":"neutral","sentiment_score":0.20060134596294826,"channel":0,"num_words":9,"start":6.16,"end":9.62},{"sentences":[{"text":"I'm pretty good.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.6429341435432434},{"text":"Thanks.","start":10.639999,"end":10.96,"sentiment":"positive","sentiment_score":0.7036038637161255},{"text":"How are you?","start":10.96,"end":11.78,"sentiment":"positive","sentiment_score":0.42083977659543353}],"sentiment":"positive","sentiment_score":0.5564179463045937,"channel":1,"num_words":7,"start":9.84,"end":11.78},{"sentences":[{"text":"I'm good.","start":12.08,"end":12.88,"sentiment":"positive","sentiment_score":0.5521918833255768},{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.6396346092224121},{"text":"I had you booked in this afternoon to go over your annual review.","start":14.575001,"end":17.855,"sentiment":"positive","sentiment_score":0.35255306500654954},{"text":"Is now still a good time for you?","start":17.855,"end":19.475,"sentiment":"neutral","sentiment_score":0.2889069989323616}],"sentiment":"positive","sentiment_score":0.35993600885073346,"channel":0,"num_words":24,"start":12.08,"end":19.475},{"sentences":[{"text":"Yeah.","start":19.525,"end":19.845,"sentiment":"neutral","sentiment_score":0.14225493371486664},{"text":"It still is.","start":19.845,"end":20.904999,"sentiment":"neutral","sentiment_score":0.15168960392475128}],"sentiment":"neutral","sentiment_score":0.14933093637228012,"channel":1,"num_words":4,"start":19.525,"end":20.904999},{"sentences":[{"text":"Yes.","start":21.375,"end":21.855,"sentiment":"neutral","sentiment_score":0.2369631826877594},{"text":"Perfect.","start":21.855,"end":22.355,"sentiment":"positive","sentiment_score":0.4530629813671112},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":23.695,"end":32.15,"sentiment":"neutral","sentiment_score":0.05306525083799516}],"sentiment":"neutral","sentiment_score":0.07075905878887032,"channel":0,"num_words":33,"start":21.375,"end":32.15},{"sentences":[{"text":"Yeah.","start":32.19,"end":32.51,"sentiment":"neutral","sentiment_score":0.1219155490398407},{"text":"That's fine.","start":32.51,"end":33.329998,"sentiment":"neutral","sentiment_score":0.18791550397872925}],"sentiment":"neutral","sentiment_score":0.16591551899909973,"channel":1,"num_words":3,"start":32.19,"end":33.329998},{"sentences":[{"text":"Perfect.","start":34.13,"end":34.63,"sentiment":"neutral","sentiment_score":0.3286561965942383},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":34.85,"end":45.965,"sentiment":"neutral","sentiment_score":0.07115140049294992}],"sentiment":"neutral","sentiment_score":0.07872507096651722,"channel":0,"num_words":34,"start":34.13,"end":45.965},{"sentences":[{"text":"Yep.","start":46.525,"end":47.025,"sentiment":"neutral","sentiment_score":0.018611280247569084},{"text":"Mary Ann Fraser, the '15 to","start":47.725,"end":50.925,"sentiment":"neutral","sentiment_score":0.015965497742096584}],"sentiment":"neutral","sentiment_score":0.016343466671449796,"channel":1,"num_words":7,"start":46.525,"end":50.925},{"sentences":[{"text":"Yep.","start":50.905,"end":51.405,"sentiment":"neutral","sentiment_score":0.024916958063840863}],"sentiment":"neutral","sentiment_score":0.024916958063840863,"channel":0,"num_words":1,"start":50.905,"end":51.405},{"sentences":[{"text":"the sixth nineteen seventy eight,","start":50.925,"end":53.345,"sentiment":"neutral","sentiment_score":0.0211641326546669}],"sentiment":"neutral","sentiment_score":0.0211641326546669,"channel":1,"num_words":5,"start":50.925,"end":53.345},{"sentences":[{"text":"Yep.","start":53.945,"end":54.445,"sentiment":"neutral","sentiment_score":0.028329849243164062}],"sentiment":"neutral","sentiment_score":0.028329849243164062,"channel":0,"num_words":1,"start":53.945,"end":54.445},{"sentences":[{"text":"and 10 Namala Street, Cooma or Cooma North, New South","start":54.11,"end":62.43,"sentiment":"neutral","sentiment_score":0.03151488434523344}],"sentiment":"neutral","sentiment_score":0.03151488434523344,"channel":1,"num_words":10,"start":54.11,"end":62.43},{"sentences":[{"text":"Yep.","start":62.28,"end":62.78,"sentiment":"neutral","sentiment_score":0.025340553373098373}],"sentiment":"neutral","sentiment_score":0.025340553373098373,"channel":0,"num_words":1,"start":62.28,"end":62.78},{"sentences":[{"text":"Wales 2630.","start":62.43,"end":64.45,"sentiment":"neutral","sentiment_score":0.017842544242739677}],"sentiment":"neutral","sentiment_score":0.017842544242739677,"channel":1,"num_words":2,"start":62.43,"end":64.45},{"sentences":[{"text":"Yep.","start":64.92,"end":65.4,"sentiment":"neutral","sentiment_score":0.15398848056793213},{"text":"Amazing.","start":65.4,"end":65.88,"sentiment":"positive","sentiment_score":0.5811306238174438},{"text":"That's exactly what I have here.","start":65.88,"end":67.64,"sentiment":"positive","sentiment_score":0.6152782340844473},{"text":"And how's your day been?","start":67.64,"end":69.0,"sentiment":"neutral","sentiment_score":0.14627632945775987},{"text":"Been busy?","start":69.0,"end":69.82,"sentiment":"neutral","sentiment_score":-0.010402819141745569}],"sentiment":"positive","sentiment_score":0.3424909678598245,"channel":0,"num_words":15,"start":64.92,"end":69.82},{"sentences":[{"text":"Yeah.","start":70.525,"end":70.925,"sentiment":"neutral","sentiment_score":0.018951475620269775},{"text":"I was busy this morning.","start":70.925,"end":72.465,"sentiment":"neutral","sentiment_score":0.006227438524365425},{"text":"I, I went to work this morning and finished at 01:00.","start":73.725,"end":79.025,"sentiment":"neutral","sentiment_score":0.030245092274113136},{"text":"So,","start":79.085,"end":79.245,"sentiment":"neutral","sentiment_score":0.02597002312541008}],"sentiment":"neutral","sentiment_score":0.022708594799041748,"channel":1,"num_words":18,"start":70.525,"end":79.245},{"sentences":[{"text":"Yeah.","start":79.305,"end":79.805,"sentiment":"neutral","sentiment_score":0.049182213842868805},{"text":"Oh, nice.","start":80.345,"end":81.16499,"sentiment":"neutral","sentiment_score":0.16019830852746964}],"sentiment":"neutral","sentiment_score":0.12319294363260269,"channel":0,"num_words":3,"start":79.305,"end":81.16499},{"sentences":[{"text":"yeah, so it's actually","start":82.14,"end":83.5,"sentiment":"neutral","sentiment_score":0.08913273923099041}],"sentiment":"neutral","sentiment_score":0.08913273923099041,"channel":1,"num_words":4,"start":82.14,"end":83.5},{"sentences":[{"text":"Yeah.","start":83.159996,"end":83.659996,"sentiment":"neutral","sentiment_score":0.16866672039031982}],"sentiment":"neutral","sentiment_score":0.16866672039031982,"channel":0,"num_words":1,"start":83.159996,"end":83.659996},{"sentences":[{"text":"good to have half a day and finish early.","start":83.5,"end":87.04,"sentiment":"neutral","sentiment_score":0.28671008182896507}],"sentiment":"neutral","sentiment_score":0.28671008182896507,"channel":1,"num_words":9,"start":83.5,"end":87.04},{"sentences":[{"text":"Yeah.","start":87.64,"end":88.119995,"sentiment":"neutral","sentiment_score":0.17872175574302673},{"text":"Oh, that's nice.","start":88.119995,"end":89.42,"sentiment":"neutral","sentiment_score":0.2993110915025075},{"text":"Well, I will try not to take up too much of your afternoon there, Mary.","start":89.71999,"end":93.34,"sentiment":"neutral","sentiment_score":0.06390644212563833},{"text":"But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening.","start":94.119995,"end":109.605,"sentiment":"neutral","sentiment_score":0.054937138532598816}],"sentiment":"neutral","sentiment_score":0.06851859099856794,"channel":0,"num_words":73,"start":87.64,"end":109.605},{"sentences":[{"text":"Yeah.","start":109.979996,"end":110.299995,"sentiment":"neutral","sentiment_score":0.024483710527420044},{"text":"Just look just to be able to catch up and see what's happening 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it's the joys of the cost of living down.","start":324.565,"end":328.505,"sentiment":"neutral","sentiment_score":0.1421028424054384}],"sentiment":"neutral","sentiment_score":0.1421028424054384,"channel":1,"num_words":10,"start":324.565,"end":328.505},{"sentences":[{"text":"I I know.","start":329.56998,"end":330.44998,"sentiment":"neutral","sentiment_score":-0.021830926338831585},{"text":"I know.","start":330.44998,"end":331.09,"sentiment":"neutral","sentiment_score":-0.02788301557302475},{"text":"Very much like that.","start":331.09,"end":332.445,"sentiment":"neutral","sentiment_score":-0.045317123644053936},{"text":"And 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300,000.","start":347.99002,"end":354.17,"sentiment":"neutral","sentiment_score":0.025595068310697872},{"text":"Do you know if that's roughly the same, or did that go up a little bit?","start":355.19,"end":359.11002,"sentiment":"neutral","sentiment_score":-0.01735287794144824}],"sentiment":"neutral","sentiment_score":0.02232734027828248,"channel":0,"num_words":53,"start":336.045,"end":359.11002},{"sentences":[{"text":"Do you know?","start":359.11002,"end":359.85,"sentiment":"neutral","sentiment_score":-0.02276699369152387}],"sentiment":"neutral","sentiment_score":-0.02276699369152387,"channel":0,"num_words":3,"start":359.11002,"end":359.85},{"sentences":[{"text":"I think it's gone 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3.","start":471.16998,"end":471.96997,"sentiment":"neutral","sentiment_score":0.024693181738257408},{"text":"Okay.","start":471.96997,"end":472.44998,"sentiment":"neutral","sentiment_score":0.07640427350997925},{"text":"Perfect.","start":472.44998,"end":472.94998,"sentiment":"neutral","sentiment_score":0.13830366730690002},{"text":"And do you have anything owing on it?","start":473.09,"end":475.18997,"sentiment":"neutral","sentiment_score":0.025449106469750404},{"text":"No.","start":477.00998,"end":477.49,"sentiment":"neutral","sentiment_score":-0.02894449606537819}],"sentiment":"neutral","sentiment_score":0.03374943538353993,"channel":0,"num_words":13,"start":471.16998,"end":477.49},{"sentences":[{"text":"Okay.","start":477.49,"end":477.96997,"sentiment":"neutral","sentiment_score":0.023458369076251984},{"text":"Great.","start":477.96997,"end":478.46997,"sentiment":"neutral","sentiment_score":0.16239213943481445},{"text":"I also have here a credit card of about 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me.","start":862.155,"end":870.53,"sentiment":"neutral","sentiment_score":0.013419450881580511},{"text":"And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like.","start":870.53,"end":884.845,"sentiment":"neutral","sentiment_score":0.20455372777390987}],"sentiment":"neutral","sentiment_score":0.13994495812016475,"channel":0,"num_words":71,"start":862.155,"end":884.845},{"sentences":[{"text":"Yep.","start":884.985,"end":885.38495,"sentiment":"neutral","sentiment_score":0.17335759103298187},{"text":"No worries.","start":885.38495,"end":886.125,"sentiment":"neutral","sentiment_score":0.24794775247573853}],"sentiment":"neutral","sentiment_score":0.22308436532815298,"channel":1,"num_words":3,"start":884.985,"end":886.125},{"sentences":[{"text":"Yep.","start":886.345,"end":886.845,"sentiment":"neutral","sentiment_score":0.21297061443328855},{"text":"Now, Mary, do you have access to a printer, or do you prefer post?","start":886.90497,"end":890.605,"sentiment":"neutral","sentiment_score":0.10088881318058286}],"sentiment":"neutral","sentiment_score":0.10836093326409658,"channel":0,"num_words":15,"start":886.345,"end":890.605},{"sentences":[{"text":"Post, please.","start":892.1,"end":893.16,"sentiment":"neutral","sentiment_score":0.10100656002759933}],"sentiment":"neutral","sentiment_score":0.10100656002759933,"channel":1,"num_words":2,"start":892.1,"end":893.16},{"sentences":[{"text":"Post.","start":892.90497,"end":893.40497,"sentiment":"neutral","sentiment_score":0.11599273234605788},{"text":"Okay.","start":893.545,"end":893.945,"sentiment":"neutral","sentiment_score":0.2145095318555832},{"text":"So I will get the team to post this out to you, and I'll get them through, include a return envelope as well.","start":893.945,"end":902.61,"sentiment":"neutral","sentiment_score":0.29482359147590137}],"sentiment":"neutral","sentiment_score":0.28445779472589494,"channel":0,"num_words":25,"start":892.90497,"end":902.61},{"sentences":[{"text":"Okay.","start":903.055,"end":903.455,"sentiment":"neutral","sentiment_score":0.10792046785354614},{"text":"No.","start":903.455,"end":903.955,"sentiment":"neutral","sentiment_score":0.05452727898955345}],"sentiment":"neutral","sentiment_score":0.0812238734215498,"channel":1,"num_words":2,"start":903.055,"end":903.955},{"sentences":[{"text":"Now I do wanna triple check the type of nomination you have for David.","start":904.51,"end":908.61,"sentiment":"neutral","sentiment_score":0.1133895878280912},{"text":"It is a binding nonlapsing.","start":909.335,"end":911.515,"sentiment":"neutral","sentiment_score":0.09500936865806578},{"text":"Now that is typically the most common type, which means that it is binding.","start":912.135,"end":917.97504,"sentiment":"neutral","sentiment_score":0.08306071375097547},{"text":"So if something were to happen, basically, your super and insurance have to follow your wishes.","start":917.97504,"end":924.315,"sentiment":"neutral","sentiment_score":0.13187079224735498},{"text":"The other","start":924.82,"end":925.3,"sentiment":"neutral","sentiment_score":0.04733253829181194}],"sentiment":"neutral","sentiment_score":0.10646958466546208,"channel":0,"num_words":51,"start":904.51,"end":925.3},{"sentences":[{"text":"Yes.","start":925.08997,"end":925.58997,"sentiment":"neutral","sentiment_score":0.06921243667602539}],"sentiment":"neutral","sentiment_score":0.06921243667602539,"channel":1,"num_words":1,"start":925.08997,"end":925.58997},{"sentences":[{"text":"one is not as certain, which is called your your nonbinding.","start":925.3,"end":928.51996,"sentiment":"neutral","sentiment_score":-0.007762117480689829},{"text":"And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it.","start":929.54,"end":940.395,"sentiment":"neutral","sentiment_score":0.06221936035024769},{"text":"So would","start":940.875,"end":941.115,"sentiment":"neutral","sentiment_score":0.17746586352586746}],"sentiment":"neutral","sentiment_score":0.05074482312069294,"channel":0,"num_words":47,"start":925.3,"end":941.115},{"sentences":[{"text":"Yes.","start":941.075,"end":941.575,"sentiment":"neutral","sentiment_score":0.3071303367614746}],"sentiment":"neutral","sentiment_score":0.3071303367614746,"channel":1,"num_words":1,"start":941.075,"end":941.575},{"sentences":[{"text":"you would like would you like to keep the same, like, it is more certain than you don't have to change it?","start":941.115,"end":946.79504,"sentiment":"neutral","sentiment_score":0.25400200113654137},{"text":"Would you like the same style?","start":946.79504,"end":948.575,"sentiment":"neutral","sentiment_score":0.15122855951388678},{"text":"Just change it to Matthew.","start":948.875,"end":950.335,"sentiment":"neutral","sentiment_score":0.12323842942714691}],"sentiment":"neutral","sentiment_score":0.21550325846130197,"channel":0,"num_words":33,"start":941.115,"end":950.335},{"sentences":[{"text":"Just change it to Matthews.","start":951.39,"end":952.93,"sentiment":"neutral","sentiment_score":0.11786925941705703}],"sentiment":"neutral","sentiment_score":0.11786925941705703,"channel":1,"num_words":5,"start":951.39,"end":952.93},{"sentences":[{"text":"Okay.","start":953.52997,"end":954.02997,"sentiment":"neutral","sentiment_score":0.1851833462715149},{"text":"Yep.","start":954.08997,"end":954.58997,"sentiment":"neutral","sentiment_score":0.18158528208732605},{"text":"Sorry.","start":954.97,"end":955.37,"sentiment":"neutral","sentiment_score":0.20570585131645203},{"text":"We can do that.","start":955.37,"end":957.23,"sentiment":"positive","sentiment_score":0.34617484360933304},{"text":"So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and","start":957.29,"end":966.82495,"sentiment":"positive","sentiment_score":0.35283068027989617}],"sentiment":"positive","sentiment_score":0.33859065506193375,"channel":0,"num_words":36,"start":953.52997,"end":966.82495},{"sentences":[{"text":"Yep.","start":966.735,"end":967.235,"sentiment":"neutral","sentiment_score":0.20280325412750244}],"sentiment":"neutral","sentiment_score":0.20280325412750244,"channel":1,"num_words":1,"start":966.735,"end":967.235},{"sentences":[{"text":"then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him.","start":966.82495,"end":974.52496,"sentiment":"neutral","sentiment_score":0.2225743195284968}],"sentiment":"neutral","sentiment_score":0.2225743195284968,"channel":0,"num_words":23,"start":966.82495,"end":974.52496},{"sentences":[{"text":"Yep.","start":974.895,"end":975.295,"sentiment":"neutral","sentiment_score":0.11269362270832062},{"text":"No worries.","start":975.295,"end":976.03503,"sentiment":"neutral","sentiment_score":0.147185318171978}],"sentiment":"neutral","sentiment_score":0.13568808635075888,"channel":1,"num_words":3,"start":974.895,"end":976.03503},{"sentences":[{"text":"Does that does that make","start":975.625,"end":976.745,"sentiment":"neutral","sentiment_score":0.1884278267621994}],"sentiment":"neutral","sentiment_score":0.1884278267621994,"channel":0,"num_words":5,"start":975.625,"end":976.745},{"sentences":[{"text":"Yes.","start":976.63,"end":977.13,"sentiment":"neutral","sentiment_score":0.145748108625412}],"sentiment":"neutral","sentiment_score":0.145748108625412,"channel":1,"num_words":1,"start":976.63,"end":977.13},{"sentences":[{"text":"sense?","start":976.745,"end":977.245,"sentiment":"neutral","sentiment_score":0.18136188387870789},{"text":"Okay.","start":978.6,"end":979.1,"sentiment":"positive","sentiment_score":0.3766542971134186},{"text":"Perfect.","start":979.24,"end":979.74,"sentiment":"positive","sentiment_score":0.5306915044784546},{"text":"Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones.","start":981.72,"end":998.665,"sentiment":"neutral","sentiment_score":0.2561953528118985},{"text":"Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care.","start":1000.165,"end":1013.83,"sentiment":"neutral","sentiment_score":0.19006703721566331}],"sentiment":"neutral","sentiment_score":0.23450590297579765,"channel":0,"num_words":95,"start":976.745,"end":1013.83},{"sentences":[{"text":"Is that still something you are you are thinking of?","start":1013.83,"end":1016.65,"sentiment":"neutral","sentiment_score":0.12797125205397605}],"sentiment":"neutral","sentiment_score":0.12797125205397605,"channel":0,"num_words":10,"start":1013.83,"end":1016.65},{"sentences":[{"text":"Yeah.","start":1018.70996,"end":1019.20996,"sentiment":"neutral","sentiment_score":0.2339741438627243},{"text":"It is.","start":1020.38995,"end":1021.13,"sentiment":"neutral","sentiment_score":0.25324271619319916}],"sentiment":"neutral","sentiment_score":0.24681985874970755,"channel":1,"num_words":3,"start":1018.70996,"end":1021.13},{"sentences":[{"text":"Yep.","start":1021.60504,"end":1022.10504,"sentiment":"neutral","sentiment_score":0.2696753740310669},{"text":"Yeah.","start":1024.165,"end":1024.665,"sentiment":"positive","sentiment_score":0.3628347516059875},{"text":"Okay.","start":1024.725,"end":1025.2051,"sentiment":"positive","sentiment_score":0.5928393602371216},{"text":"Perfect.","start":1025.2051,"end":1025.7051,"sentiment":"positive","sentiment_score":0.8385617733001709},{"text":"Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary?","start":1026.9651,"end":1032.265,"sentiment":"positive","sentiment_score":0.6061961697904688}],"sentiment":"positive","sentiment_score":0.5905060210953588,"channel":0,"num_words":23,"start":1021.60504,"end":1032.265},{"sentences":[{"text":"Yes.","start":1034.255,"end":1034.755,"sentiment":"neutral","sentiment_score":0.08413544297218323},{"text":"Not at this stage.","start":1034.8151,"end":1035.87,"sentiment":"neutral","sentiment_score":-0.047438194043934345},{"text":"No.","start":1036.19,"end":1036.69,"sentiment":"neutral","sentiment_score":-0.09884063154459}],"sentiment":"neutral","sentiment_score":-0.034076327458024025,"channel":1,"num_words":6,"start":1034.255,"end":1036.69},{"sentences":[{"text":"No.","start":1036.35,"end":1036.85,"sentiment":"neutral","sentiment_score":-0.0797291249036789},{"text":"No.","start":1036.99,"end":1037.39,"sentiment":"neutral","sentiment_score":-0.029244309291243553},{"text":"No problem.","start":1037.39,"end":1038.21,"sentiment":"neutral","sentiment_score":0.06760047376155853},{"text":"And when it comes to superannuation, we currently have you invested growth portfolio.","start":1039.79,"end":1049.295,"sentiment":"neutral","sentiment_score":0.06805180127804096},{"text":"Do you remember what it means to be a growth investor at all?","start":1049.995,"end":1054.015,"sentiment":"neutral","sentiment_score":0.039456467215831466}],"sentiment":"neutral","sentiment_score":0.04746116679161787,"channel":0,"num_words":30,"start":1036.35,"end":1054.015},{"sentences":[{"text":"No.","start":1054.715,"end":1055.215,"sentiment":"neutral","sentiment_score":-0.047156453132629395}],"sentiment":"neutral","sentiment_score":-0.047156453132629395,"channel":1,"num_words":1,"start":1054.715,"end":1055.215},{"sentences":[{"text":"No.","start":1055.595,"end":1056.095,"sentiment":"neutral","sentiment_score":-0.03730195015668869},{"text":"So, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire.","start":1056.315,"end":1067.35,"sentiment":"neutral","sentiment_score":-0.00003660940565168858}],"sentiment":"neutral","sentiment_score":-0.0012387171718141726,"channel":0,"num_words":31,"start":1055.595,"end":1067.35},{"sentences":[{"text":"No.","start":1068.25,"end":1068.75,"sentiment":"neutral","sentiment_score":-0.003137841820716858}],"sentiment":"neutral","sentiment_score":-0.003137841820716858,"channel":1,"num_words":1,"start":1068.25,"end":1068.75},{"sentences":[{"text":"But at the same time, someone who are comfortable seeing a bit of fluctuation","start":1068.9299,"end":1073.11,"sentiment":"neutral","sentiment_score":0.052763743858252256}],"sentiment":"neutral","sentiment_score":0.052763743858252256,"channel":0,"num_words":14,"start":1068.9299,"end":1073.11},{"sentences":[{"text":"Uh-huh.","start":1074.475,"end":1074.975,"sentiment":"neutral","sentiment_score":0.015170109458267689}],"sentiment":"neutral","sentiment_score":0.015170109458267689,"channel":1,"num_words":1,"start":1074.475,"end":1074.975},{"sentences":[{"text":"short term in order to grow your super bit more long term.","start":1074.7251,"end":1079.2251,"sentiment":"neutral","sentiment_score":0.13839734407762685},{"text":"Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary?","start":1080.805,"end":1087.545,"sentiment":"neutral","sentiment_score":0.05059773703529076}],"sentiment":"neutral","sentiment_score":0.0815858336384682,"channel":0,"num_words":34,"start":1074.7251,"end":1087.545},{"sentences":[{"text":"I do.","start":1087.835,"end":1088.475,"sentiment":"neutral","sentiment_score":0.09917968511581421},{"text":"Yes.","start":1088.475,"end":1088.975,"sentiment":"neutral","sentiment_score":0.1057017296552658}],"sentiment":"neutral","sentiment_score":0.10135369996229808,"channel":1,"num_words":3,"start":1087.835,"end":1088.975},{"sentences":[{"text":"Okay.","start":1089.04,"end":1089.52,"sentiment":"neutral","sentiment_score":0.09700596332550047},{"text":"So I have just sent you an email.","start":1089.52,"end":1091.7001,"sentiment":"neutral","sentiment_score":0.11269975081086159},{"text":"If you could open that for me because it makes it a bit easier while we are talking about this.","start":1091.76,"end":1096.3401,"sentiment":"neutral","sentiment_score":0.15933529883623124},{"text":"So let me know if you received that okay.","start":1097.28,"end":1099.4401,"sentiment":"neutral","sentiment_score":0.07964568750725852},{"text":"Sometimes it ends up in spam as well.","start":1099.4401,"end":1101.62,"sentiment":"negative","sentiment_score":-0.4044352285563946}],"sentiment":"neutral","sentiment_score":0.03623128925328669,"channel":0,"num_words":46,"start":1089.04,"end":1101.62},{"sentences":[{"text":"Hasn't come through yet.","start":1129.47,"end":1131.01,"sentiment":"neutral","sentiment_score":-0.3057902976870537}],"sentiment":"neutral","sentiment_score":-0.3057902976870537,"channel":1,"num_words":4,"start":1129.47,"end":1131.01},{"sentences":[{"text":"Hasn't come through.","start":1131.1951,"end":1132.155,"sentiment":"neutral","sentiment_score":-0.1973314086596171},{"text":"It should and there's nothing in spam either?","start":1132.155,"end":1134.7351,"sentiment":"neutral","sentiment_score":-0.14229879900813103},{"text":"Okay.","start":1140.97,"end":1141.47,"sentiment":"neutral","sentiment_score":-0.007447446696460247},{"text":"Yeah.","start":1142.57,"end":1143.07,"sentiment":"neutral","sentiment_score":0.0065467506647109985},{"text":"Because it it says on my on my side that it was received about 03:02.","start":1145.85,"end":1153.375,"sentiment":"neutral","sentiment_score":0.012990844792996843}],"sentiment":"neutral","sentiment_score":-0.054872237220739147,"channel":0,"num_words":28,"start":1131.1951,"end":1153.375},{"sentences":[{"text":"Like,","start":1154.555,"end":1154.875,"sentiment":"neutral","sentiment_score":0.01455275435000658}],"sentiment":"neutral","sentiment_score":0.01455275435000658,"channel":0,"num_words":1,"start":1154.555,"end":1154.875},{"sentences":[{"text":"Oh, man.","start":1154.58,"end":1155.24,"sentiment":"neutral","sentiment_score":0.12496193498373032}],"sentiment":"neutral","sentiment_score":0.12496193498373032,"channel":1,"num_words":2,"start":1154.58,"end":1155.24},{"sentences":[{"text":"cool.","start":1154.875,"end":1155.375,"sentiment":"neutral","sentiment_score":0.12381741404533386}],"sentiment":"neutral","sentiment_score":0.12381741404533386,"channel":0,"num_words":1,"start":1154.875,"end":1155.375},{"sentences":[{"text":"Oh, yes.","start":1156.26,"end":1156.9,"sentiment":"neutral","sentiment_score":0.06844897195696831},{"text":"Sorry.","start":1156.9,"end":1157.4,"sentiment":"neutral","sentiment_score":0.03707393631339073}],"sentiment":"neutral","sentiment_score":0.05799062674244245,"channel":1,"num_words":3,"start":1156.26,"end":1157.4},{"sentences":[{"text":"Oh, yeah.","start":1157.515,"end":1158.0751,"sentiment":"neutral","sentiment_score":0.12844081595540047},{"text":"Perfect.","start":1158.0751,"end":1158.5751,"sentiment":"neutral","sentiment_score":0.26316630840301514}],"sentiment":"neutral","sentiment_score":0.1733493134379387,"channel":0,"num_words":3,"start":1157.515,"end":1158.5751},{"sentences":[{"text":"Oh, sorry.","start":1158.745,"end":1159.3049,"sentiment":"neutral","sentiment_score":0.018936872482299805},{"text":"My mistake.","start":1159.3049,"end":1160.045,"sentiment":"neutral","sentiment_score":-0.05470230057835579}],"sentiment":"neutral","sentiment_score":-0.017882714048027992,"channel":1,"num_words":4,"start":1158.745,"end":1160.045},{"sentences":[{"text":"No.","start":1160.475,"end":1160.795,"sentiment":"neutral","sentiment_score":-0.08812946826219559},{"text":"That's okay.","start":1160.795,"end":1161.355,"sentiment":"neutral","sentiment_score":-0.026575062423944473},{"text":"There is a bit of a storm right now.","start":1161.355,"end":1163.115,"sentiment":"neutral","sentiment_score":-0.12666268398364386},{"text":"Actually, we're in bit of torrential rain at the moment.","start":1163.115,"end":1165.97,"sentiment":"neutral","sentiment_score":-0.13293351158499717},{"text":"So I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it.","start":1165.97,"end":1173.6499,"sentiment":"neutral","sentiment_score":0.08565335412477625}],"sentiment":"neutral","sentiment_score":-0.0024829724547909757,"channel":0,"num_words":51,"start":1160.475,"end":1173.6499},{"sentences":[{"text":"So if you can click on the email for me, Mary.","start":1173.6499,"end":1176.23,"sentiment":"neutral","sentiment_score":0.10223422741348093},{"text":"Now","start":1176.45,"end":1176.95,"sentiment":"neutral","sentiment_score":0.045574285089969635}],"sentiment":"neutral","sentiment_score":0.09751256555318832,"channel":0,"num_words":12,"start":1173.6499,"end":1176.95},{"sentences":[{"text":"Yep.","start":1176.6,"end":1177.1,"sentiment":"neutral","sentiment_score":0.05289499461650848}],"sentiment":"neutral","sentiment_score":0.05289499461650848,"channel":1,"num_words":1,"start":1176.6,"end":1177.1},{"sentences":[{"text":"we have just changed the software, so it might look a little bit different to what you were used to.","start":1177.455,"end":1181.7949,"sentiment":"neutral","sentiment_score":-0.021223068051040173}],"sentiment":"neutral","sentiment_score":-0.021223068051040173,"channel":0,"num_words":20,"start":1177.455,"end":1181.7949},{"sentences":[{"text":"No.","start":1181.4,"end":1181.64,"sentiment":"neutral","sentiment_score":-0.08683767914772034},{"text":"That's alright.","start":1181.64,"end":1182.36,"sentiment":"neutral","sentiment_score":-0.04826503247022629},{"text":"Hang on.","start":1182.36,"end":1183.155,"sentiment":"neutral","sentiment_score":-0.03416346199810505}],"sentiment":"neutral","sentiment_score":-0.0503389336168766,"channel":1,"num_words":5,"start":1181.4,"end":1183.155},{"sentences":[{"text":"Now before you click on the link where it says sign doc documents or something like that, before","start":1185.0549,"end":1190.735,"sentiment":"neutral","sentiment_score":-0.014100351060430208}],"sentiment":"neutral","sentiment_score":-0.014100351060430208,"channel":0,"num_words":18,"start":1185.0549,"end":1190.735},{"sentences":[{"text":"Yep.","start":1190.675,"end":1191.175,"sentiment":"neutral","sentiment_score":-0.02685699053108692}],"sentiment":"neutral","sentiment_score":-0.02685699053108692,"channel":1,"num_words":1,"start":1190.675,"end":1191.175},{"sentences":[{"text":"you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there?","start":1190.735,"end":1197.66,"sentiment":"neutral","sentiment_score":0.033761703297495844},{"text":"There should be one, two, three, four, five different 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your US shares, which is that kind of light green.","start":1309.18,"end":1314.48,"sentiment":"neutral","sentiment_score":0.0759132169187069}],"sentiment":"neutral","sentiment_score":0.07976217337307476,"channel":0,"num_words":42,"start":1296.9651,"end":1314.48},{"sentences":[{"text":"Yeah.","start":1315.55,"end":1316.05,"sentiment":"neutral","sentiment_score":0.05910567939281464}],"sentiment":"neutral","sentiment_score":0.05910567939281464,"channel":1,"num_words":1,"start":1315.55,"end":1316.05},{"sentences":[{"text":"You have Australian shares, which is, like, your darker 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essentially how we have you at the moment.","start":1353.83,"end":1357.29,"sentiment":"neutral","sentiment_score":0.1461026600816033},{"text":"And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire.","start":1358.39,"end":1369.4451,"sentiment":"neutral","sentiment_score":0.07042137920066263},{"text":"Are you still thinking of retiring at about 65?","start":1370.0651,"end":1373.345,"sentiment":"neutral","sentiment_score":0.016521339615186054},{"text":"Is that still the plan, or do you think you wanna retire 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closer.","start":1439.78,"end":1452.375,"sentiment":"neutral","sentiment_score":0.06752858672823225},{"text":"That","start":1452.9149,"end":1453.235,"sentiment":"neutral","sentiment_score":0.06301189959049225}],"sentiment":"neutral","sentiment_score":0.07338886041390269,"channel":0,"num_words":38,"start":1438.74,"end":1453.235},{"sentences":[{"text":"Yeah.","start":1452.97,"end":1453.47,"sentiment":"neutral","sentiment_score":0.09173880517482758}],"sentiment":"neutral","sentiment_score":0.09173880517482758,"channel":1,"num_words":1,"start":1452.97,"end":1453.47},{"sentences":[{"text":"for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 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me?","start":1503.265,"end":1504.965,"sentiment":"neutral","sentiment_score":0.05068172088691166}],"sentiment":"neutral","sentiment_score":0.05048496834933758,"channel":0,"num_words":8,"start":1502.9451,"end":1504.965},{"sentences":[{"text":"Yep.","start":1508.23,"end":1508.73,"sentiment":"neutral","sentiment_score":0.05444059520959854}],"sentiment":"neutral","sentiment_score":0.05444059520959854,"channel":1,"num_words":1,"start":1508.23,"end":1508.73},{"sentences":[{"text":"Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months.","start":1509.425,"end":1520.68,"sentiment":"neutral","sentiment_score":0.04668014246271923},{"text":"Now in the last twelve months, we have seen a bit of fluctuation in the market.","start":1521.3,"end":1525.14,"sentiment":"neutral","sentiment_score":-0.04734619741793722},{"text":"You may have seen on the news and stuff like that as 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market.","start":1548.0399,"end":1561.425,"sentiment":"positive","sentiment_score":0.6588180549442768}],"sentiment":"positive","sentiment_score":0.4894965916442183,"channel":0,"num_words":52,"start":1538.585,"end":1561.425},{"sentences":[{"text":"Yeah.","start":1562.1699,"end":1562.6699,"sentiment":"neutral","sentiment_score":0.16628184914588928}],"sentiment":"neutral","sentiment_score":0.16628184914588928,"channel":1,"num_words":1,"start":1562.1699,"end":1562.6699},{"sentences":[{"text":"Yeah.","start":1563.3251,"end":1563.8251,"sentiment":"neutral","sentiment_score":0.12486839294433594},{"text":"Now you may have seen a little while ago, you got an email.","start":1564.685,"end":1569.425,"sentiment":"neutral","sentiment_score":0.037165847392036364},{"text":"Let me see if I can see when it was.","start":1570.5801,"end":1572.74,"sentiment":"neutral","sentiment_score":0.023182032629847527},{"text":"It was just about one investment change we did for you.","start":1572.74,"end":1576.12,"sentiment":"neutral","sentiment_score":0.04027651351961223},{"text":"We just did one investment switch.","start":1576.5801,"end":1578.34,"sentiment":"neutral","sentiment_score":0.042234216506282486}],"sentiment":"neutral","sentiment_score":0.03747052885591984,"channel":0,"num_words":41,"start":1563.3251,"end":1578.34},{"sentences":[{"text":"Now that was on the May 14.","start":1578.34,"end":1580.68,"sentiment":"neutral","sentiment_score":0.020156769081950188},{"text":"Actually, no.","start":1581.46,"end":1582.02,"sentiment":"neutral","sentiment_score":-0.04408977925777435},{"text":"Sorry.","start":1582.02,"end":1582.42,"sentiment":"neutral","sentiment_score":-0.12301510572433472},{"text":"My apologies.","start":1582.42,"end":1583.16,"sentiment":"neutral","sentiment_score":-0.17733339965343475},{"text":"That was on the March 12.","start":1583.7001,"end":1586.4049,"sentiment":"neutral","sentiment_score":-0.03811576745162407}],"sentiment":"neutral","sentiment_score":-0.036303260260158114,"channel":0,"num_words":18,"start":1578.34,"end":1586.4049},{"sentences":[{"text":"And that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment.","start":1587.345,"end":1594.245,"sentiment":"neutral","sentiment_score":0.0012482918369082303},{"text":"And we changed one that was underperforming a little 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you.","start":1598.4299,"end":1603.73,"sentiment":"neutral","sentiment_score":0.052189903431817106},{"text":"So","start":1603.87,"end":1604.19,"sentiment":"neutral","sentiment_score":0.08190085738897324}],"sentiment":"neutral","sentiment_score":0.05367545112967491,"channel":0,"num_words":20,"start":1598.4299,"end":1604.19},{"sentences":[{"text":"Yeah.","start":1604.025,"end":1604.525,"sentiment":"neutral","sentiment_score":0.11207570880651474}],"sentiment":"neutral","sentiment_score":0.11207570880651474,"channel":1,"num_words":1,"start":1604.025,"end":1604.525},{"sentences":[{"text":"if you did see that email, that's where that one was, and we've already made that change for you.","start":1604.19,"end":1608.83,"sentiment":"neutral","sentiment_score":0.14103802097471138},{"text":"Yep.","start":1608.83,"end":1609.07,"sentiment":"neutral","sentiment_score":0.17269210517406464},{"text":"So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you.","start":1609.07,"end":1615.245,"sentiment":"neutral","sentiment_score":0.12263398617506027}],"sentiment":"neutral","sentiment_score":0.13096179409573475,"channel":0,"num_words":48,"start":1604.19,"end":1615.245},{"sentences":[{"text":"Yeah.","start":1614.87,"end":1615.37,"sentiment":"neutral","sentiment_score":0.2693578004837036}],"sentiment":"neutral","sentiment_score":0.2693578004837036,"channel":1,"num_words":1,"start":1614.87,"end":1615.37},{"sentences":[{"text":"So overall, very happy with how everything is going for your superannuation, so 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it shows you a current breakdown of your situation.","start":1640.3251,"end":1646.265,"sentiment":"neutral","sentiment_score":0.09312378455485616},{"text":"Now I can see that there is a little typo, so apologies of that.","start":1646.805,"end":1650.405,"sentiment":"neutral","sentiment_score":-0.028174197301268578},{"text":"Where it says Hub24, that is your Netwealth account.","start":1650.405,"end":1654.47,"sentiment":"neutral","sentiment_score":0.01632283938427766},{"text":"So you have majority of your super in Netwealth.","start":1655.01,"end":1658.79,"sentiment":"neutral","sentiment_score":0.08891148865222931}],"sentiment":"neutral","sentiment_score":0.04071018674430695,"channel":0,"num_words":47,"start":1639.6051,"end":1658.79},{"sentences":[{"text":"So you have about a $103,358 in there.","start":1659.65,"end":1664.925,"sentiment":"neutral","sentiment_score":0.086451499722898},{"text":"Now you also have your rest sofa that we kept open for your insurances.","start":1665.7251,"end":1671.265,"sentiment":"neutral","sentiment_score":0.07495123493884291},{"text":"Now with rest sofa, I couldn't get updated information from them because the authority we had had expired.","start":1672.6051,"end":1684.24,"sentiment":"neutral","sentiment_score":-0.11202933349543148},{"text":"So what I have done in this document is I have included a new it's called a TPA, so a third party authority.","start":1685.1799,"end":1693.895,"sentiment":"neutral","sentiment_score":0.01331552706213425},{"text":"And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do 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insurances.","start":1702.435,"end":1714.9,"sentiment":"neutral","sentiment_score":0.3022114492771102}],"sentiment":"neutral","sentiment_score":0.3022114492771102,"channel":0,"num_words":41,"start":1702.435,"end":1714.9},{"sentences":[{"text":"Yeah.","start":1715.875,"end":1716.115,"sentiment":"neutral","sentiment_score":0.1914762258529663},{"text":"Yep.","start":1716.115,"end":1716.435,"sentiment":"neutral","sentiment_score":0.2115614116191864},{"text":"No","start":1716.435,"end":1716.675,"sentiment":"neutral","sentiment_score":0.24362583458423617}],"sentiment":"neutral","sentiment_score":0.21555449068546295,"channel":1,"num_words":3,"start":1715.875,"end":1716.675},{"sentences":[{"text":"And","start":1716.56,"end":1717.06,"sentiment":"neutral","sentiment_score":0.15257102251052856}],"sentiment":"neutral","sentiment_score":0.15257102251052856,"channel":0,"num_words":1,"start":1716.56,"end":1717.06},{"sentences":[{"text":"worries.","start":1716.675,"end":1717.175,"sentiment":"neutral","sentiment_score":0.2696341872215271}],"sentiment":"neutral","sentiment_score":0.2696341872215271,"channel":1,"num_words":1,"start":1716.675,"end":1717.175},{"sentences":[{"text":"yeah.","start":1717.68,"end":1718.0,"sentiment":"positive","sentiment_score":0.4668842554092407},{"text":"Perfect.","start":1718.0,"end":1718.48,"sentiment":"positive","sentiment_score":0.6631426811218262},{"text":"And if it is that, depending on how much you have interest, I'll do some research for you.","start":1718.48,"end":1724.535,"sentiment":"positive","sentiment_score":0.3621677905321121},{"text":"Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you.","start":1724.675,"end":1736.3701,"sentiment":"neutral","sentiment_score":0.31469812465680613},{"text":"Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start":1736.3701,"end":1742.2101,"sentiment":"positive","sentiment_score":0.4747794910713478}],"sentiment":"positive","sentiment_score":0.3822848099683012,"channel":0,"num_words":84,"start":1717.68,"end":1742.2101},{"sentences":[{"text":"Does that","start":1742.2101,"end":1742.6101,"sentiment":"neutral","sentiment_score":0.17681457847356796}],"sentiment":"neutral","sentiment_score":0.17681457847356796,"channel":0,"num_words":2,"start":1742.2101,"end":1742.6101},{"sentences":[{"text":"Yes.","start":1742.565,"end":1743.065,"sentiment":"neutral","sentiment_score":0.18895962834358215}],"sentiment":"neutral","sentiment_score":0.18895962834358215,"channel":1,"num_words":1,"start":1742.565,"end":1743.065},{"sentences":[{"text":"make 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research.","start":1746.225,"end":1755.2849,"sentiment":"neutral","sentiment_score":0.10868128292983578},{"text":"Now","start":1755.825,"end":1756.325,"sentiment":"neutral","sentiment_score":0.08231238275766373}],"sentiment":"neutral","sentiment_score":0.11112189775004107,"channel":0,"num_words":34,"start":1744.945,"end":1756.325},{"sentences":[{"text":"Yes.","start":1755.9601,"end":1756.4601,"sentiment":"neutral","sentiment_score":0.07027703523635864}],"sentiment":"neutral","sentiment_score":0.07027703523635864,"channel":1,"num_words":1,"start":1755.9601,"end":1756.4601},{"sentences":[{"text":"when when is a better time for you after?","start":1757.29,"end":1760.25,"sentiment":"neutral","sentiment_score":0.06234852307372623},{"text":"So I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover.","start":1760.25,"end":1772.105,"sentiment":"neutral","sentiment_score":0.22117944080382584},{"text":"So if we needed to change some money around.","start":1772.165,"end":1775.065,"sentiment":"neutral","sentiment_score":-0.054390549659729004},{"text":"So in about let me see here.","start":1775.125,"end":1778.405,"sentiment":"neutral","sentiment_score":0.05342799212251391},{"text":"The week of the June 1 to the June 4, do you know what your schedule looks like?","start":1778.405,"end":1785.56,"sentiment":"neutral","sentiment_score":0.03441383793122239}],"sentiment":"neutral","sentiment_score":0.1194246315722724,"channel":0,"num_words":83,"start":1757.29,"end":1785.56},{"sentences":[{"text":"Do you have any time?","start":1786.02,"end":1787.56,"sentiment":"neutral","sentiment_score":0.014140769094228744},{"text":"Yeah?","start":1788.58,"end":1789.08,"sentiment":"neutral","sentiment_score":0.04232461377978325}],"sentiment":"neutral","sentiment_score":0.018838076541821163,"channel":0,"num_words":6,"start":1786.02,"end":1789.08},{"sentences":[{"text":"I can do the fourth of of June.","start":1804.7799,"end":1808.8799,"sentiment":"neutral","sentiment_score":0.045548082794994116}],"sentiment":"neutral","sentiment_score":0.045548082794994116,"channel":1,"num_words":8,"start":1804.7799,"end":1808.8799},{"sentences":[{"text":"Yeah.","start":1809.7301,"end":1810.2301,"sentiment":"neutral","sentiment_score":0.03548634052276611},{"text":"What time?","start":1810.37,"end":1811.3501,"sentiment":"neutral","sentiment_score":0.02111962717026472}],"sentiment":"neutral","sentiment_score":0.02590853162109852,"channel":0,"num_words":3,"start":1809.7301,"end":1811.3501},{"sentences":[{"text":"Probably morning.","start":1813.375,"end":1815.235,"sentiment":"neutral","sentiment_score":0.03164681978523731}],"sentiment":"neutral","sentiment_score":0.03164681978523731,"channel":1,"num_words":2,"start":1813.375,"end":1815.235},{"sentences":[{"text":"Yeah.","start":1815.9701,"end":1816.37,"sentiment":"neutral","sentiment_score":0.05361353978514671},{"text":"Okay.","start":1816.37,"end":1816.77,"sentiment":"neutral","sentiment_score":0.07072372734546661},{"text":"Let me have a look here.","start":1816.77,"end":1818.39,"sentiment":"neutral","sentiment_score":0.08248548023402691},{"text":"I could do 10AM or 11AM.","start":1818.8501,"end":1823.1449,"sentiment":"neutral","sentiment_score":0.07057846896350384},{"text":"What works best for you?","start":1823.205,"end":1824.6649,"sentiment":"neutral","sentiment_score":0.12081857919692993}],"sentiment":"neutral","sentiment_score":0.0866744135947604,"channel":0,"num_words":19,"start":1815.9701,"end":1824.6649},{"sentences":[{"text":"Yes.","start":1824.6799,"end":1825.1799,"sentiment":"neutral","sentiment_score":0.07183052599430084}],"sentiment":"neutral","sentiment_score":0.07183052599430084,"channel":1,"num_words":1,"start":1824.6799,"end":1825.1799},{"sentences":[{"text":"Would ten work?","start":1827.2849,"end":1828.345,"sentiment":"neutral","sentiment_score":0.07533176988363266},{"text":"Yep?","start":1830.0049,"end":1830.485,"sentiment":"neutral","sentiment_score":0.07489767670631409},{"text":"Okay.","start":1830.485,"end":1830.985,"sentiment":"neutral","sentiment_score":0.10380670428276062},{"text":"So I will book that in on Thursday, June 4 at 10AM.","start":1831.2849,"end":1838.1,"sentiment":"neutral","sentiment_score":0.133529436464111},{"text":"Now","start":1838.48,"end":1838.7999,"sentiment":"neutral","sentiment_score":0.12841282784938812}],"sentiment":"neutral","sentiment_score":0.11863698644770516,"channel":0,"num_words":18,"start":1827.2849,"end":1838.7999},{"sentences":[{"text":"No worries.","start":1838.52,"end":1839.26,"sentiment":"neutral","sentiment_score":0.1699635088443756}],"sentiment":"neutral","sentiment_score":0.1699635088443756,"channel":1,"num_words":2,"start":1838.52,"end":1839.26},{"sentences":[{"text":"I'll give you a call once I've spoken through, Russ.","start":1838.7999,"end":1842.82,"sentiment":"neutral","sentiment_score":0.1738219976425171},{"text":"And if it is that I do suggest that we move some money, I will put a proposal together for you.","start":1843.04,"end":1849.8351,"sentiment":"neutral","sentiment_score":0.16066352934354827},{"text":"I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward.","start":1849.895,"end":1860.7151,"sentiment":"positive","sentiment_score":0.5687932388202565}],"sentiment":"positive","sentiment_score":0.38466917542631135,"channel":0,"num_words":68,"start":1838.7999,"end":1860.7151},{"sentences":[{"text":"No 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and","start":1870.9199,"end":1877.245,"sentiment":"neutral","sentiment_score":0.03661611992865801}],"sentiment":"neutral","sentiment_score":0.05868362125171268,"channel":0,"num_words":23,"start":1864.52,"end":1877.245},{"sentences":[{"text":"No.","start":1876.7451,"end":1877.2451,"sentiment":"neutral","sentiment_score":0.010732794180512428}],"sentiment":"neutral","sentiment_score":0.010732794180512428,"channel":1,"num_words":1,"start":1876.7451,"end":1877.2451},{"sentences":[{"text":"a Oakview services guide version one.","start":1877.4651,"end":1879.9651,"sentiment":"neutral","sentiment_score":0.034828033608694874},{"text":"Now 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there, but none of the important information has changed.","start":1888.84,"end":1895.82,"sentiment":"neutral","sentiment_score":-0.007375899981707334},{"text":"We've had a bit of an update to marketing.","start":1896.2799,"end":1898.5199,"sentiment":"neutral","sentiment_score":0.10061724401182598}],"sentiment":"neutral","sentiment_score":0.059648558628140835,"channel":0,"num_words":57,"start":1881.145,"end":1898.5199},{"sentences":[{"text":"So if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is 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well.","start":2196.48,"end":2201.415,"sentiment":"neutral","sentiment_score":0.15866320818662644}],"sentiment":"neutral","sentiment_score":0.1588517011621514,"channel":0,"num_words":37,"start":2193.28,"end":2201.415},{"sentences":[{"text":"Okay.","start":2201.7002,"end":2202.1,"sentiment":"neutral","sentiment_score":0.23363444209098816},{"text":"No worries.","start":2202.1,"end":2202.84,"sentiment":"neutral","sentiment_score":0.3030066341161728}],"sentiment":"neutral","sentiment_score":0.2798825701077779,"channel":1,"num_words":3,"start":2201.7002,"end":2202.84},{"sentences":[{"text":"Alright.","start":2202.7747,"end":2203.2747,"sentiment":"positive","sentiment_score":0.4025157690048218},{"text":"No problem.","start":2203.3347,"end":2204.0547,"sentiment":"positive","sentiment_score":0.5393275320529938}],"sentiment":"positive","sentiment_score":0.49372361103693646,"channel":0,"num_words":3,"start":2202.7747,"end":2204.0547},{"sentences":[{"text":"Yeah.","start":2203.9402,"end":2204.4402,"sentiment":"positive","sentiment_score":0.6382933855056763}],"sentiment":"positive","sentiment_score":0.6382933855056763,"channel":1,"num_words":1,"start":2203.9402,"end":2204.4402},{"sentences":[{"text":"I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth.","start":2204.0547,"end":2208.0747,"sentiment":"positive","sentiment_score":0.7506967097520828}],"sentiment":"positive","sentiment_score":0.7506967097520828,"channel":0,"num_words":20,"start":2204.0547,"end":2208.0747},{"sentences":[{"text":"Okay.","start":2208.5,"end":2208.82,"sentiment":"neutral","sentiment_score":0.31326502561569214},{"text":"No worries.","start":2208.82,"end":2209.56,"sentiment":"neutral","sentiment_score":0.28582867980003357}],"sentiment":"neutral","sentiment_score":0.2949741284052531,"channel":1,"num_words":3,"start":2208.5,"end":2209.56},{"sentences":[{"text":"Okay.","start":2210.0547,"end":2210.5347,"sentiment":"positive","sentiment_score":0.335332453250885},{"text":"Thanks, Mary.","start":2210.5347,"end":2211.5146,"sentiment":"positive","sentiment_score":0.722021758556366}],"sentiment":"positive","sentiment_score":0.5931253234545389,"channel":0,"num_words":3,"start":2210.0547,"end":2211.5146},{"sentences":[{"text":"Bye.","start":2211.6448,"end":2212.1448,"sentiment":"positive","sentiment_score":0.5101931691169739},{"text":"Bye.","start":2212.525,"end":2213.025,"sentiment":"neutral","sentiment_score":0.2862825095653534}],"sentiment":"positive","sentiment_score":0.39823783934116364,"channel":1,"num_words":2,"start":2211.6448,"end":2213.025},{"sentences":[{"text":"Bye.","start":2212.6948,"end":2213.1948,"sentiment":"neutral","sentiment_score":-0.11847209930419922}],"sentiment":"neutral","sentiment_score":-0.11847209930419922,"channel":0,"num_words":1,"start":2212.6948,"end":2213.1948}]},"summary":{"result":"success","short":"Representatives from HV Financial speak with customers to go over their annual reviews and discuss their income and assets. They offer to change the customer's will and suggest sending a legal personal representative to help with the process. The customer and representative discuss retirement goals, growth portfolios, insurance plans, and the need for a week to approve their insurance and financial services guide. The agent will call the customer to confirm their appointment and provide updated information and authorization forms."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep.","start_word":89,"end_word":122,"intents":[{"intent":"Confirm identity","confidence_score":0.55308837},{"intent":"Confirm identity","confidence_score":0.7581355}]},{"text":"Well, I will try not to take up too much of your afternoon there, Mary. But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening. Yeah.","start_word":203,"end_word":272,"intents":[{"intent":"Address issues","confidence_score":0.0035829772},{"intent":"Explore goals","confidence_score":0.000002218268}]},{"text":"Now I don't I have a contact number for for him, though. am.","start_word":413,"end_word":425,"intents":[{"intent":"Update contact information","confidence_score":0.20047121}]},{"text":"When it comes to employment, has any of that changed or still working?","start_word":462,"end_word":474,"intents":[{"intent":"Provide employment update","confidence_score":0.0023606343}]},{"text":"And how many hours do you roughly do a week? Do you know?","start_word":486,"end_word":498,"intents":[{"intent":"Confirm work hours","confidence_score":0.045293234},{"intent":"Confirm working hours","confidence_score":0.020067133}]},{"text":"So that definitely makes sense, so thank you for that. Yes.","start_word":629,"end_word":639,"intents":[{"intent":"Express gratitude for assistance","confidence_score":0.00012565735}]},{"text":"Now when it comes through income, I have you down here as earning about 36,000. Is that roughly the same? Yeah.","start_word":640,"end_word":660,"intents":[{"intent":"Clarify shifts in income","confidence_score":0.0000041900553}]},{"text":"And are you making any additional contributions or anything to a super or just kind of that standard from your employer? That's just standard.","start_word":673,"end_word":696,"intents":[{"intent":"Confirm understanding of contribution","confidence_score":0.036603384}]},{"text":"organizing some time to actually book in Yep. and to make an appointment and get that all changed.","start_word":1367,"end_word":1384,"intents":[{"intent":"Schedule appointment","confidence_score":0.22115235}]},{"text":"We can change that. So we can definitely do that. Now with Matthew, your your brother, to make the nomination directly through Super. They are quite specific on who you can actually nominate. Now you can still very much give it to your brother. We might just have to change how it's set up a little bit.","start_word":1461,"end_word":1517,"intents":[{"intent":"Change nomination structure","confidence_score":0.23294427}]},{"text":"Now with Matthew, your your brother, to make the nomination directly through Super.","start_word":1471,"end_word":1483,"intents":[{"intent":"Make a nomination","confidence_score":0.0003281252}]},{"text":"So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative. Now I would Yes. still have to send them to you because you have to sign them and get a witness and then send it back to me.","start_word":1717,"end_word":1784,"intents":[{"intent":"Sign form","confidence_score":0.21111225}]},{"text":"still have to send them to you because you have to sign them and get a witness and then send it back to me.","start_word":1761,"end_word":1784,"intents":[{"intent":"Send form to matthew","confidence_score":0.030304853}]},{"text":"So I will get the team to post this out to you, and I'll get them through, include a return envelope as well. Okay.","start_word":1854,"end_word":1877,"intents":[{"intent":"Post nomination document","confidence_score":0.000008081769}]},{"text":"you would like would you like to keep the same, like, it is more certain than you don't have to change it? Would you like the same style?","start_word":1979,"end_word":2006,"intents":[{"intent":"Change nomination style","confidence_score":0.55259055}]},{"text":"Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones.","start_word":2089,"end_word":2144,"intents":[{"intent":"Check goals","confidence_score":0.042195108}]},{"text":"Are you still thinking of retiring at about 65? Is that still the plan, or do you think you wanna retire early? No. No.","start_word":2929,"end_word":2952,"intents":[{"intent":"Discuss retirement plan and income","confidence_score":0.0036386636},{"intent":"Discuss retirement timeline","confidence_score":0.02747456},{"intent":"Discuss retirement and retirement plans","confidence_score":0.00033519955}]},{"text":"And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week. Yeah. You Something think yeah.","start_word":2967,"end_word":3001,"intents":[{"intent":"Draw weekly income","confidence_score":0.016852405}]},{"text":"So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around. So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with. Yes.","start_word":3006,"end_word":3083,"intents":[{"intent":"Discuss time frame and growth portfolio","confidence_score":0.098940395}]},{"text":"Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months.","start_word":3241,"end_word":3272,"intents":[{"intent":"Discuss investment performance","confidence_score":0.24555638}]},{"text":"Now in the last twelve months, we have seen a bit of fluctuation in the market. You may have seen on the news and stuff like that as well. There's obviously been a lot happening. Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well. So we have seen Yes.","start_word":3273,"end_word":3332,"intents":[{"intent":"Mention market fluctuations","confidence_score":0.0013351454}]},{"text":"Now with rest sofa, I couldn't get updated information from them because the authority we had had expired. So what I have done in this document is I have included a new it's called a TPA, so a third party authority.","start_word":3660,"end_word":3700,"intents":[{"intent":"Update information","confidence_score":0.5042549}]},{"text":"And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so. It Yes.","start_word":3702,"end_word":3729,"intents":[{"intent":"Arrange call","confidence_score":0.03878034}]},{"text":"will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances. Yeah.","start_word":3729,"end_word":3770,"intents":[{"intent":"Update information","confidence_score":0.000828987}]},{"text":"And if it is that, depending on how much you have interest, I'll do some research for you. Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you. Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start_word":3777,"end_word":3858,"intents":[{"intent":"Research","confidence_score":0.49248204}]},{"text":"Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and No. a Oakview services guide version one.","start_word":4114,"end_word":4143,"intents":[{"intent":"Review documents","confidence_score":0.26600865}]},{"text":"Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and No. a Oakview services guide version one. Now I'll Yes.","start_word":4114,"end_word":4146,"intents":[{"intent":"Provide information","confidence_score":0.033520095}]},{"text":"Now the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now. Can you see that?","start_word":4241,"end_word":4270,"intents":[{"intent":"Ask for signature","confidence_score":0.115318455}]},{"text":"Does it say tax file number on the first section? Yes.","start_word":4328,"end_word":4338,"intents":[{"intent":"Check tax file number","confidence_score":0.031066531}]},{"text":"to search for lost super? Yes.","start_word":4383,"end_word":4388,"intents":[{"intent":"Search for lost super","confidence_score":0.41222554}]},{"text":"Now what this one is is we do this every now and then just to check. But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about Yes.","start_word":4390,"end_word":4437,"intents":[{"intent":"Submit to ato","confidence_score":0.09038423}]},{"text":"Then after that, do you have authorization to collect information? Yep.","start_word":4492,"end_word":4502,"intents":[{"intent":"Verify authorization","confidence_score":0.11449109}]},{"text":"Do you then have an ongoing service agreement as well? Is that Yes. or is that the end? Oh, yeah. Perfect.","start_word":4534,"end_word":4554,"intents":[{"intent":"Confirm service agreement","confidence_score":0.011001191}]},{"text":"Just to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, it lets us service your account and manage everything for you in the meantime. Does that Yep.","start_word":4581,"end_word":4663,"intents":[{"intent":"Confirm fee structure","confidence_score":0.22874798}]},{"text":"Does that Yep.","start_word":4661,"end_word":4663,"intents":[{"intent":"Confirm payment method","confidence_score":0.00007154303}]},{"text":"So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well. Yeah.","start_word":4671,"end_word":4710,"intents":[{"intent":"Add signature","confidence_score":0.2243867}]},{"text":"These already come through to me, which is great. So you have completed everything correctly, and it's all over on my side already, which is good. So that went fast.","start_word":4746,"end_word":4775,"intents":[{"intent":"Confirm completion of documents","confidence_score":0.014279135}]},{"text":"So I will get this all processed with the team. I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen.","start_word":4778,"end_word":4823,"intents":[{"intent":"Update beneficiary form","confidence_score":0.076013766}]},{"text":"So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen.","start_word":4824,"end_word":4852,"intents":[{"intent":"Transfer to solicitor","confidence_score":0.0029447488}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Mary. Yeah. Correct. This is Veronica from HV Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.19502730667591095},{"text":"I'm pretty good. Thanks. How are you? I'm good. Thanks. I had you booked in this afternoon to go over your annual review.","start_word":17,"end_word":39,"sentiment":"positive","sentiment_score":0.47798994183540344},{"text":"Is now still a good time for you? Yeah. It still is. Yes.","start_word":40,"end_word":52,"sentiment":"neutral","sentiment_score":0.2383236140012741},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4530629813671112},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah. That's fine. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Mary Ann Fraser, the '15 to Yep. the sixth nineteen seventy eight, Yep. and 10 Namala Street, Cooma or Cooma North, New South Yep. Wales 2630. Yep.","start_word":54,"end_word":149,"sentiment":"neutral","sentiment_score":0.059317249804735184},{"text":"Amazing. That's exactly what I have here.","start_word":150,"end_word":156,"sentiment":"positive","sentiment_score":0.6004239320755005},{"text":"And how's your day been? Been busy? Yeah. I was busy this morning. I, I went to work this morning and finished at 01:00. So, Yeah. Oh, nice. yeah, so it's actually Yeah. good to have half a day and finish early. Yeah. Oh, that's nice. Well, I will try not to take up too much of your afternoon there, Mary. But before I do jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or anything that you were hoping to achieve today or whether it's just a bit of a catch up and see kind of what's happening. Yeah. Just look just to be able to catch up and see what's happening down. Yeah. Perfect. Now what I will do first, Mary, is just to run through a bit of a updated fact find with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now when it comes to your personal information, I have you down here as single with no financial dependents. Is that correct? Correct. Perfect. And next up, Ken, I have Matthew Fraser nominated. Is that correct as well? Correct. Yes. And what's their relationship to yourself? Brother and sister. Okay. Giblings.","start_word":157,"end_word":395,"sentiment":"neutral","sentiment_score":0.07912785438314143},{"text":"Perfect.","start_word":396,"end_word":396,"sentiment":"positive","sentiment_score":0.4210649728775024},{"text":"Would you because I only have Matthew listed. Yes.","start_word":397,"end_word":405,"sentiment":"neutral","sentiment_score":0.1829480677843094},{"text":"You're happy with that?","start_word":406,"end_word":409,"sentiment":"positive","sentiment_score":0.4054469466209411},{"text":"Yes. Yep. Okay. Now I don't I have a contact number for for him, though. am. Would you be able to give that to me, please? Yeah. Yeah. Just give me a second. Sure. Yep. Okay. 044, Yep. 88, Yep. 83 Yep. 541.","start_word":410,"end_word":452,"sentiment":"neutral","sentiment_score":0.007072797976434231},{"text":"Perfect. Thank you so much.","start_word":453,"end_word":457,"sentiment":"positive","sentiment_score":0.5284709334373474},{"text":"I will update that. When it comes to employment, has any of that changed or still working? The Work Awards. Yep. And you're working part time? Correct. Perfect. And how many hours do you roughly do a week? Do you know? Well, it's over a fortnight. Okay. Yeah. Yeah. What okay. So one week I do twenty nine hours. The Yes. other week I do thirty four. So it's an average of thirty one and a half hours a week.","start_word":458,"end_word":537,"sentiment":"neutral","sentiment_score":0.05165957286953926},{"text":"Amazing. Perfect.","start_word":538,"end_word":539,"sentiment":"positive","sentiment_score":0.43660107254981995},{"text":"That's So really good. one week I do a little bit less. The Mhmm. other week I do Mhmm. a little bit more, but it's an average of thirty one point five hours a week, Okay. Perfect.","start_word":540,"end_word":576,"sentiment":"neutral","sentiment_score":0.05488809943199158},{"text":"That's very good.","start_word":577,"end_word":579,"sentiment":"positive","sentiment_score":0.370586633682251},{"text":"I if will that update. makes sense. Yes. It does. It definitely does. And that's often sometimes the case through with part time. It is that some weeks you do a little bit more, and other weeks it's a little bit less, and then it kind of adds up.","start_word":580,"end_word":628,"sentiment":"neutral","sentiment_score":0.12142177671194077},{"text":"So that definitely makes sense, so thank you for that.","start_word":629,"end_word":638,"sentiment":"positive","sentiment_score":0.3745292127132416},{"text":"Yes. Now when it comes through income, I have you down here as earning about 36,000. Is that roughly the same? Yeah. I'd say roughly around the same. We're also the same. Okay. Perfect. And are you making any additional contributions or anything to a super or just kind of that standard from your employer? That's just standard. Standard. Yep. Yeah. Perfect. It's Sorry? the it's the joys of the cost of living down. I I know. I know. Very much like that. And most Yeah. people, So especially nowadays as well, Yes. with with everything going up. So I definitely feel that. And with, obviously, expenses and everything with your assets. So I have here that your property last time we spoke with you was valued at about 300,000. Do you know if that's roughly the same, or did that go up a little bit? Do you know? I think it's gone up. Mhmm. Because I just had or in the last six months and I know you guys are based in Queensland, Yes. but in New South Wales, we get a property land evaluation about every three years. Yes.","start_word":639,"end_word":829,"sentiment":"neutral","sentiment_score":0.04237858221149413},{"text":"That's good.","start_word":830,"end_word":831,"sentiment":"positive","sentiment_score":0.3714918792247772},{"text":"Mhmm. And it came out in the last six months. Now the land this is just the land. It's not the house. Yep. It's it's gone up slightly. So going on that, I would reckon, yes, it the the evaluation would have Yep. gone up. So, look, I'm probably guessing maybe 380. Yes. Yep. Perfect. I'll roughly yes. No. That's okay. That's still a nice little increase, though. Yeah. Yeah. And you don't have a mortgage on your property, do you? No. That's perfect. And I also have here that you have a motor vehicle worth about thousand dollars. Yeah. Well, that changed. Okay. Yep. I do have a still have a motor vehicle, Yes. but it's probably worth about $3. About 3. Okay. Perfect. And do you have anything owing on it? No. Okay. Great. I also have here a credit card of about 3 No. thousand. Correct. Perfect. And a personal loan of about 3 and a half. So 3 Okay. and a half thousand. So that personal line has been paid off. Okay. Good. So yep. So Mhmm. so yes. Currently, I still have a personal line, Yep. but it's a hang on. Just give me a second. Yeah. Sure. It's got 5,100 still owing on it. Okay. No problem. I will change that. Any other changes to your assets or anything like that, Mary? No. No.","start_word":832,"end_word":1061,"sentiment":"neutral","sentiment_score":0.028937147930264473},{"text":"Okay. Great.","start_word":1062,"end_word":1063,"sentiment":"positive","sentiment_score":0.5838257670402527},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yes. Correct.","start_word":1064,"end_word":1086,"sentiment":"neutral","sentiment_score":0.2411721497774124},{"text":"Perfect.","start_word":1087,"end_word":1087,"sentiment":"positive","sentiment_score":0.5716784000396729},{"text":"And do you have any significant health issues or any injuries or anything that's changed in the last twelve months? Just just as small as that's it. Yep. Okay.","start_word":1088,"end_word":1116,"sentiment":"neutral","sentiment_score":0.051766540855169296},{"text":"Perfect.","start_word":1117,"end_word":1117,"sentiment":"positive","sentiment_score":0.439185231924057},{"text":"And you just have a, like, inhaler for that if Yeah. you need it? Yeah. I've been pretty much asthmatic all my life. Yeah. Or was it from childhood? Yes. Early Yes. Yes. Yep. Now that is okay. call And when it comes to estate planning, so if something ever woulda happened to you, I have here that you do have a will in place. But last time we spoke to you, you mentioned that it kind of needed to be updated a little bit. Yes. It did. Yes? Did you get it updated, or is it still on the to do list? No. It's it's still on the to do list. It's Yep. just I've had so many things happen, and, actually, I totally forgot all about doing it. That's okay. So but, yes, it's still on the to do list. Yeah. Okay. Perfect. And do you know someone that can help you get it done, or would you like me to get the team to send you an email with one of the, like, law firms that we work with closely when it comes to setting up a will, or do you know someone local? Yeah. Look. I've got someone local Okay. because yeah. Because I I have the the will I have is one of the local solicitors, Oh, yeah. and that's where my house deeds are. You said altogether. So it's all together. So That's it's good. just a matter of, at some stage, Yeah. organizing some time to actually book in Yep. and to make an appointment and get that all changed. Yeah. Okay.","start_word":1118,"end_word":1386,"sentiment":"neutral","sentiment_score":0.049692753702402115},{"text":"Perfect.","start_word":1387,"end_word":1387,"sentiment":"positive","sentiment_score":0.4240395724773407},{"text":"But it is good that it's all kind of together, and I know as well time is hard to find that time.","start_word":1388,"end_word":1409,"sentiment":"neutral","sentiment_score":0.29839688539505005},{"text":"So I completely completely get that.","start_word":1410,"end_word":1415,"sentiment":"positive","sentiment_score":0.41264572739601135},{"text":"But when it comes to your superannuation, so who you actually have nominated on your account, I do have a 100% going to David Lewis. Is that correct? Yeah. But would I be able to get the him taken off and have Yes. Matthew? Yes. We can change that.","start_word":1416,"end_word":1464,"sentiment":"neutral","sentiment_score":0.061653561890125275},{"text":"So we can definitely do that.","start_word":1465,"end_word":1470,"sentiment":"positive","sentiment_score":0.6621357202529907},{"text":"Now with Matthew, your your brother, to make the nomination directly through Super. They are quite specific on who you can actually nominate. Now you can still very much give it to your brother. We might just have to change how it's set up a little bit. So when it comes to your relationship with your brother, does he live with you? No. He doesn't. Okay. Does he rely financially on you? No. He doesn't. Okay. So what we what we can do then is, like I said, you can still give it to him. We would just have to change how we structure it. So Okay. what we would do on the form is that we would change it to a legal personal representative. Now, Mary, what that means is just basically a fancy word just saying that it goes to your will. Now I in can't your will, yeah. when you then speak to them, you can say that you would like it all to go to Matthew. Yep. Yeah. We would just have to structure it this way because super doesn't form part of your estate, and the only people you can nominate, like, directly, otherwise, without a will is, like, a spouse or a child or someone who are financially dependent on you. So Yep. so many clients who wants to give it to siblings or brothers and sisters or nephews and nieces.","start_word":1471,"end_word":1707,"sentiment":"neutral","sentiment_score":0.06405024230480194},{"text":"So definitely still doable. We would just change it.","start_word":1708,"end_word":1716,"sentiment":"positive","sentiment_score":0.4603117406368256},{"text":"So what I can do for you, Mary, is I can get this form prefilled if you would like, if you would like to give it to Matthew, and I can just get it prefilled through the legal personal representative. Now I would Yes. still have to send them to you because you have to sign them and get a witness and then send it back to me. And then when you have a moment, go and speak to that local solicitor as well and then add it through the will that if something were to happen, you want your super and insurances to go to him as well if that's what you would like. Yep. No worries. Yep. Now, Mary, do you have access to a printer, or do you prefer post? Post, please. Post. Okay. So I will get the team to post this out to you, and I'll get them through, include a return envelope as well. Okay. No. Now I do wanna triple check the type of nomination you have for David. It is a binding nonlapsing. Now that is typically the most common type, which means that it is binding. So if something were to happen, basically, your super and insurance have to follow your wishes. The other Yes. one is not as certain, which is called your your nonbinding. And lapsing means that you have to complete the form every three years, and non lapsing, which you have at the moment, it means it stays in place until you decide to change it. So would Yes. you would like would you like to keep the same, like, it is more certain than you don't have to change it? Would you like the same style? Just change it to Matthew. Just change it to Matthews. Okay. Yep. Sorry. We can do that. So I can get the pre filled for you to make it easy, and I will like I said, I'll just change it through the legal personal representative, and Yep. then, yeah, speak to the solicitor and then get get it in the will that you would like that to go to him. Yep. No worries. Does that does that make Yes. sense?","start_word":1717,"end_word":2086,"sentiment":"neutral","sentiment_score":0.17623773007779509},{"text":"Okay. Perfect.","start_word":2087,"end_word":2088,"sentiment":"positive","sentiment_score":0.4536728858947754},{"text":"Now, otherwise, when it comes to goals, so stuff that you are working towards that you are wanting to achieve, sometimes it's good to under review time to a bit of a checking point as well to see, well, how did we go with the the goals last year and what are potentially some new ones. Now last time we spoke with you, your your goals in the kind of next couple of years was to build up saving a little bit and potentially change your career and moving into aged care. Is that still something you are you are thinking of? Yeah. It is. Yep.","start_word":2089,"end_word":2194,"sentiment":"neutral","sentiment_score":0.22274839962428472},{"text":"Yeah. Okay. Perfect. Anything else that you're working towards that you're wanting to achieve in the next couple of years there, Mary?","start_word":2195,"end_word":2216,"sentiment":"positive","sentiment_score":0.6073354482650757},{"text":"Yes. Not at this stage. No. No. No. No problem. And when it comes to superannuation, we currently have you invested growth portfolio. Do you remember what it means to be a growth investor at all? No. No. So, essentially, what it means is someone who is looking at getting as much growth out of your superannuation while you still have plenty of time until you can retire. No. But at the same time, someone who are comfortable seeing a bit of fluctuation Uh-huh. short term in order to grow your super bit more long term. Now when we are talking about an asset allocation actually, what I might go do you have access to your emails, Mary? I do. Yes. Okay. So I have just sent you an email. If you could open that for me because it makes it a bit easier while we are talking about this. So let me know if you received that okay.","start_word":2217,"end_word":2375,"sentiment":"neutral","sentiment_score":0.05745594948530197},{"text":"Sometimes it ends up in spam as well.","start_word":2376,"end_word":2383,"sentiment":"negative","sentiment_score":-0.4052807092666626},{"text":"Hasn't come through yet. Hasn't come through. It should and there's nothing in spam either? Okay. Yeah. Because it it says on my on my side that it was received about 03:02. Like, Oh, man. cool. Oh, yes. Sorry. Oh, yeah. Perfect. Oh, sorry. My mistake. No. That's okay. There is a bit of a storm right now. Actually, we're in bit of torrential rain at the moment. So I was like, oh, maybe the sometimes it's a bit slower when it's a bit a bit like that with weather, but that's good that you got it. So if you can click on the email for me, Mary. Now Yep. we have just changed the software, so it might look a little bit different to what you were used to. No. That's alright. Hang on. Now before you click on the link where it says sign doc documents or something like that, before Yep. you click on that, can you see if you scroll down in that email, can you see a couple of attachments at the bottom there? There should be one, two, three, four, five different attachments. Yeah. Oh, come on. Oh, come on, you. Oh, you hard technology. It's Oh, great when it's great when it works, but sometimes there's a bit of a pain. dear lord. Oh, dear lord. Okay. Oh, yes. Yes. Okay. So can you see one where it says 2025 Vanguard index chart? Can you see that one? Hang on. Alright. Yes. Yes. Could you open that one for me? Yep. Yeah. Now you may have seen something like this before, but it is a good kind of visual representation of what we are talking about when we are talking about the market. Now this one here shows you from 1995 through to 2025. And you can kind of see here that over the long term, so when we are looking at a longer period of time, it always goes up. But if you look a bit more short term, there are obviously periods of time where it goes a bit of up and down. Okay? Yes. Now when we are then referring back to that growth portfolio, so how you are currently invested, we see about 80% invested in your top four there. So you will see your your US shares, which is that kind of light green. Yeah. You have Australian shares, which is, like, your darker green. Yeah. Yeah. And then your international shares is, like, your yellow, and then the property, which is, like, your kinda maroon color. So these are the ones that will give you the most amount of growth because you can kind of see that they have, you know, grown the most, but they also flux fluctuate the most. And then we have 20% in those bottom three. So these are your defensive you can see that they're a little bit more straight lines than No. the others, but they don't grow as much either. So that is essentially how we have you at the moment. And when we are talking about a time frame, so making sure that you have enough time in the market for these kind of up and down fluctuations before you want to retire. Are you still thinking of retiring at about 65? Is that still the plan, or do you think you wanna retire early? No. No. Probably about 65 or a bit About yeah. A bit yeah. older. Okay. Okay.","start_word":2384,"end_word":2965,"sentiment":"neutral","sentiment_score":0.04065041338602446},{"text":"Perfect.","start_word":2966,"end_word":2966,"sentiment":"positive","sentiment_score":0.49106526374816895},{"text":"And on an income wise, so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,250 per week. Yeah. You Something think yeah. something like that? Okay. So when we are then going back to this graph and we are thinking of a time frame, now in a growth portfolio, we ideally would like at least six years until retirement, all those little ups and downs to come back around. So when we are looking at a time frame, you definitely have the the time behind you to be in a growth portfolio as long as that is still something you are comfortable with. Yes.","start_word":2967,"end_word":3083,"sentiment":"neutral","sentiment_score":0.09312162548303604},{"text":"You're happy with the the the growth portfolio still, the same as you have?","start_word":3084,"end_word":3097,"sentiment":"positive","sentiment_score":0.4600811004638672},{"text":"At least I guess. Yep. Okay. Now as you then get closer to retirement and closer to wanting to take your money out, we can then start to gradually reduce that and shift it more to defensive when you get closer. That Yeah. for the time being, you are from where you are at stage in life, we do see a lot of clients in that growth portfolio because you still have a bit of time, obviously, until until you turn 65. Does Yeah. that all make sense so far, Mary? Yeah. It does. Yep. Okay.","start_word":3098,"end_word":3193,"sentiment":"neutral","sentiment_score":0.09764710813760756},{"text":"Beautiful.","start_word":3194,"end_word":3194,"sentiment":"positive","sentiment_score":0.4688712954521179},{"text":"Now while we are in the email, what is the next document you can see to make it easier for Hang on. Just give you? me a sec. Sure. Okay. The twelve month net 12 Yes. IRR. Yes. Could you open that one for me? Yep. Now this one might look a little bit messy sometimes, but it does show you all your investments, how they have performed, and what's kind of happened in the last twelve months. Now in the last twelve months, we have seen a bit of fluctuation in the market. You may have seen on the news and stuff like that as well. There's obviously been a lot happening. Everything in The US with Trump and the tariffs and everything, and, obviously, more recently with the war as well. So we have seen Yes. a bit of fluctuations in the market.","start_word":3195,"end_word":3339,"sentiment":"neutral","sentiment_score":0.008554993621234236},{"text":"But despite all of that, though, your portfolio has still done pretty good. So in the last twelve months, and this is all after fees, your portfolio has still gone up by 9.21, which we're really happy with, especially what what's happening in the market.","start_word":3340,"end_word":3384,"sentiment":"positive","sentiment_score":0.5892485976219177},{"text":"Yeah. Yeah. Now you may have seen a little while ago, you got an email. Let me see if I can see when it was. It was just about one investment change we did for you. We just did one investment switch. Now that was on the May 14. Actually, no. Sorry. My apologies. That was on the March 12. And that was just you didn't have to sign it or anything, but it was just to let you know that we have changed one investment. And we changed one that was underperforming a little bit Yeah. to a to another one that is a little bit cheaper and performing a little bit better for you. So Yeah. if you did see that email, that's where that one was, and we've already made that change for you. Yep. So you didn't have to do anything just in case you did see it or if you do go back and see it, it's in there for you. Yeah.","start_word":3385,"end_word":3551,"sentiment":"neutral","sentiment_score":0.04805624112486839},{"text":"So overall, very happy with how everything is going for your superannuation, so that's Yep. good.","start_word":3552,"end_word":3567,"sentiment":"positive","sentiment_score":0.5810667276382446},{"text":"Now what is the next one you can see, Mary? Super and insurance summary. Yes. Could you open this one for me? Yep. Yep. So with this one here, it shows you a current breakdown of your situation. Now I can see that there is a little typo, so apologies of that. Where it says Hub24, that is your Netwealth account. So you have majority of your super in Netwealth. So you have about a $103,358 in there. Now you also have your rest sofa that we kept open for your insurances. Now with rest sofa, I couldn't get updated information from them because the authority we had had expired. So what I have done in this document is I have included a new it's called a TPA, so a third party authority. And what that allows me to do is then after the call today, I'll submit it to rest if you're happy for me to do so.","start_word":3568,"end_word":3726,"sentiment":"neutral","sentiment_score":0.0724108450864471},{"text":"It Yes.","start_word":3727,"end_word":3728,"sentiment":"positive","sentiment_score":0.4247823655605316},{"text":"will take about a week or so for them to say that that's okay, and I can then give them a call just to get some updated information on how much you have in there and then also with your insurances. Yeah. Yep. No And worries.","start_word":3729,"end_word":3774,"sentiment":"neutral","sentiment_score":0.2914392650127411},{"text":"yeah. Perfect. And if it is that, depending on how much you have interest, I'll do some research for you.","start_word":3775,"end_word":3794,"sentiment":"positive","sentiment_score":0.3943356573581696},{"text":"Because if it is that you have, you know, a little bit more interest, I might be able to put some into net worth if net worth is going to do a little bit better for you.","start_word":3795,"end_word":3831,"sentiment":"neutral","sentiment_score":0.3198122978210449},{"text":"Because we wanna make sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start_word":3832,"end_word":3858,"sentiment":"positive","sentiment_score":0.47740691900253296},{"text":"Does that Yes. make sense? Yeah. Yes. Okay. So it will it will take rest, yeah, about a week or so for for for this for them to approve it, and that is just for me to do research. Now Yes. when when is a better time for you after? So I'll give you a call when I have spoken to Russ and let you know how much is in there and make sure that all your insurances, everything is good, and if we needed to make a a rollover. So if we needed to change some money around. So in about let me see here. The week of the June 1 to the June 4, do you know what your schedule looks like? Do you have any time? Yeah? I can do the fourth of of June. Yeah. What time? Probably morning. Yeah. Okay. Let me have a look here. I could do 10AM or 11AM. What works best for you? Yes. Would ten work? Yep? Okay. So I will book that in on Thursday, June 4 at 10AM. Now No worries. I'll give you a call once I've spoken through, Russ. And if it is that I do suggest that we move some money, I will put a proposal together for you.","start_word":3859,"end_word":4072,"sentiment":"neutral","sentiment_score":0.1170395091176033},{"text":"I'll go through it just to make sure you are happy, and then we can look to potentially do any changes if it's going to grow your super and do a bit better for you moving forward. No worries. Perfect.","start_word":4073,"end_word":4112,"sentiment":"positive","sentiment_score":0.5557633638381958},{"text":"Yeah. Now otherwise, Mary, back to the email, you should have two more documents. And that is a financial services guide version four and No. a Oakview services guide version one. Now I'll Yes. get you to have a look at them in your own time. You've probably seen this one a couple of times. It is one of those compliance documents. But all the important information in regards to us is in there, but none of the important information has changed. We've had a bit of an update to marketing. So if it is that you go back and have a look at it, you'll see some new photos of us, And we've had a bit of an extension to the team, which is good. Yeah. Yep. Now the last thing is if you're happy to do so is if you click on the link where it says, it should say sign now. Can you see that? Yep. Yep. And it will ask you to sign a couple of documents, and I will talk you through what they are. Sorry. Let me know what you can see fast when you click on that. Yep. No. Hang on. Yeah. There's I can see what yeah. Signature. Yes. Sorry. Let me just open it up here. Does it say tax file number on the first section? Yes. Yes. Now this is just a form just another compliance form, but, basically, just let you know that we have your tax file number secure on file. So that's I where kinda this one is. Yep. The next one, does that say authorization know. to search for lost super? Yes. Yep. Now what this one is is we do this every now and then just to check. But what it is is we submit it for the ATO, and then we can basically see if you have any other super funds open that you might not know about Yes. or that may be a previous employer or someone put some money into. And it just lets us find it. And then if so, if we find anything, I will let you know. And then we No. do some research and then see what we wanna do with it for you. No worries. Yep. Then after that, do you have authorization to collect information? Yep. Yep. That is that rest form I mentioned earlier. So it just lets me do some research on rest for you Yeah. just to to check that. And let me see. Do you then have an ongoing service agreement as well? Is that Yes. or is that the end? Oh, yeah. Perfect. So that one here, does it say net worth on it? Yes. Yes. Now what this is, that is just your ongoing service agreement there, Mary. Just to say that you are happy to stay on as a client, now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from Sooper, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, it lets us service your account and manage everything for you in the meantime. Does that Yep. all make sense, Mary? Yep. Yeah.","start_word":4113,"end_word":4669,"sentiment":"neutral","sentiment_score":0.1088835518519583},{"text":"Perfect.","start_word":4670,"end_word":4670,"sentiment":"positive","sentiment_score":0.3566617965698242},{"text":"So if you are happy to do so, if you are able to add a signature on those documents for me, and it should automatically fill the date, or sometimes you have to put the date on as well. Yeah. I'm oh, I'm nearly finished.","start_word":4671,"end_word":4715,"sentiment":"neutral","sentiment_score":0.19913531839847565},{"text":"Oh, beautiful.","start_word":4716,"end_word":4717,"sentiment":"positive","sentiment_score":0.4761311411857605},{"text":"And Sure. oh, it's loading, loading, loading, loading. Still loading. It's a bit like that, isn't it? Oh, lord. Oh, look. Oh, here we go.","start_word":4718,"end_word":4742,"sentiment":"neutral","sentiment_score":0.07798603922128677},{"text":"Oh, perfect. Alright. These already come through to me, which is great. So you have completed everything correctly, and it's all over on my side already, which is good. So that went fast.","start_word":4743,"end_word":4775,"sentiment":"positive","sentiment_score":0.6495009064674377},{"text":"Yes. Yeah. So I will get this all processed with the team. I will also post out that beneficiary form for you, Mary, just so we can change it to the legal personal representative so that you can then get your brother sorted if something were to happen. So, obviously, when you have a moment, just go down and speak to the solicitor for you just to get that all updated if something ever were to happen. Yep. And then I have you booked in on Thursday, June 4 at 10AM to go through any research that I could do on that rest super for you.","start_word":4776,"end_word":4881,"sentiment":"neutral","sentiment_score":0.23949215533036103},{"text":"Yes. No worries. Perfect. Do you have any other questions for me, Mary, before I let you go and enjoy the rest of your afternoon otherwise?","start_word":4882,"end_word":4907,"sentiment":"positive","sentiment_score":0.4116697609424591},{"text":"I not no. No. Okay. If you do think of anything, just let me know. Always give me a call, send me an email, or even write it down, and then you can ask me on the fourth as well. Okay. No worries.","start_word":4908,"end_word":4950,"sentiment":"neutral","sentiment_score":0.15263688564300537},{"text":"Alright. No problem. Yeah. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you on the fourth.","start_word":4951,"end_word":4974,"sentiment":"positive","sentiment_score":0.6808183193206787},{"text":"Okay. No worries.","start_word":4975,"end_word":4977,"sentiment":"neutral","sentiment_score":0.30063408613204956},{"text":"Okay. Thanks, Mary. Bye.","start_word":4978,"end_word":4981,"sentiment":"positive","sentiment_score":0.5654813051223755},{"text":"Bye. Bye.","start_word":4982,"end_word":4983,"sentiment":"neutral","sentiment_score":0.2701896131038666}],"average":{"sentiment":"neutral","sentiment_score":0.1217185210493688}}}}