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Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Josh, can I please ask you to confirm your full name, date of birth, and address, please? Thank you for that, Josh. Before I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time? Nah. You're good? Okay. Alright. The purpose of my call is I'm phoning to complete your scheduled and your review. Do you still have time to do that today? Yeah. 02:00 today. I can... Yeah. Is that okay? Okay. Good. Alright. Lovely. Alright. Well, I will jump straight into it for you. I would just like to start by checking in with you and seeing if there's been any significant changes to your personal or financial situation since your last review. Yeah. So we had your job down previously as a truck driver. Is that still the same? Just company? Yep. So what's your new employer's name? You're sorry? College. Okay. Yeah. Is there... And then their name? Yeah. Okay. Alright. So with your income, we had that down at a 160,000. Is that correct still? Sounds about right. So you get super on top of that amount. Yeah. And we had your expenditure at about a thousand dollars a week and your savings at about $1,000 a week. Does that also sound about right? Oh, wonderful. Are you making any additional contributions to Super? Yeah. Did you want me to look at that for you, make any recommendations on that? Okay. No. You're alright. Alright. I have here just assets and liabilities. I've got a car valued at 15,000. Would that still be correct? Yeah. And a camper trailer at 40,000? Is there any debt attached to that camper trailer? Okay. Thank you. And a motorbike here of 6,000. Is that still... Yeah. Oh, lovely. What kind? Oh, okay. They're the part. That's getting fast. Okay. How... And what's that valued at? Yeah. Any debt on that one? Yeah. Okay. That's fine. And what's the other Suzuki? Okay. Yeah. Yeah. My husband's all about bikes, so I know them well. Alright. Any other assets and liabilities, property, savings, investments? No. Okay. Okay. And I have you here as a smoker approximately ten a day. Is that right? Yeah. And you have asthma and take a preventer and a puffer also? Yeah. And you have private health insurance with AHM? Yep. Okay. And do you have a will or power of attorney? No. Yeah. Okay. Lovely. Just circling back to your goals and objectives, I just wanna double check with you. Previously, on... From your last review, you were saving for a house deposit. Is that something you're still working towards? Okay. Do you have any clear plans on when you would like to purchase a home? Okay. Okay. And have you spoke to a broker or anything to understand? No? Yep. Okay. How much do you have saved? Yep. Okay. Lovely. We do have brokers that we work with. So if there is some... When it does come a time, we can refer you onto somebody who can help you if you like. With retirement goals, pretty brief here given that you still got plenty of time before retirement. But you said retire age 65 with $1,500 per week debt free, and you'd like to travel around Australia. Is that still correct? Yeah. Do you think that's financially or a personal reason? Yeah. Like to be busy? Yeah. I can understand that. Okay. With your superannuation at the moment, what are you what are your goals with it long term? Like, are you are you looking for growth? What is it that you're hoping to achieve with your super? What's important to you? Yep. Okay. Fantastic. And I also note that insurance wise, you've got some insurance with Rest Super. Yeah. Yeah. Yep. So group cover... What group cover is is what you've got now. So that covers you, and it's essentially unitized. So each year, I'd need to look into it a little bit further. But each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting. So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date details. But, yeah, that... So your insurance at the moment, are you satisfied with the way it's set up or... And the way the levels of cover, which I can I can go through shortly with you for the time for the time being, or is? Are you wanting to review that? Okay. Okay. Yeah. Fantastic. We can do that. And estate planning wise with the Wilson Power of Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that? It's very competitive compared to what's out there, and we can send that through so you can have a a look at that, you and your partners, see if that's something that you wanna go down that path. Alright. Josh, what I'm gonna do now is I'm gonna send... Do you have access to your emails at all? Yeah. Okay. I'm gonna send you a email that will have our review pack in it for you. It... We're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign. And if you click sign here, there's a button that's like DocuSign. You're not signing anything at the moment. It's just that we're gonna talk through the documents before you have the ability to do so. So if you just let me know when you got those documents open, we can start on that. Yeah. You're right. Lovely. Okay. So the first page is a summary of your super and insurance. So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out. The rest insurance is life covers at 363,500, TPD 71,500. With your income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period. So we're gonna get some additional research and just check that balance within rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market. The next document over is your twelve month performance report with Hub. This document, first thing I'd like to draw your attention to is the top investment option, the Benelong Australian Equities Fund that is under... That has underperformed the last twelve months, which you will see. And it's due to their investment philosophy rather than the actual Australian share market. And the reason being is that Bennelong is an active manager. So their their philosophy is that they identify undervalued companies in the Australian share market for growth opportunities. So the last twelve months saw the financial sectors and the resource sectors really grow in the Australian share market. So the Bennelong mandate... Investment mandate wasn't fulfilled. So as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals. So if you're comfortable with that, that's something I'd like to do. Yeah. The second the second option down is the Beta Bank hybrid ETF. That is a... There's nothing wrong with that investment. It's just that the banking system in Australia is phasing out those investment options from January 2027. What I would like to do is be a little bit more proactive with that approach and look at options and alternatives now as I don't know what that's gonna be replaced with come that time. Yep. Alright. Lovely. The next docu... So over the last twelve months, sorry, after fees, so your net return was 1.87%, and that's been highly impacted due to that Bennelong Fund. So what we've done is provided you with a six month performance report, which is the next document across. And you'll see even though the Benelong Australian Equities Fund has turned around and is performing positively now, due to the systemic ongoing underperformance, we're still not comfortable holding that in our client's portfolio. So we are still looking to replace. So the last six month return net of fees is now back at around 7.63%. So it is the the portfolio is turning around. It's just not something that we will keep in the portfolio due to the systemic nature of that investment. Does that make sense? Yep. Lovely. The next document across is the Vanguard index chart. This is just a little document that I do like to go through with clients just to discuss their risk profile. You are currently invested as a growth investor, which means that what we do is we typically see approximately 80% of your funds in those top four investments being US shares, Australian shares, international shares, and listed property, and the remaining 20% in your your bonds and your cash, so your defensive part of the portfolio. With a gross portfolio, we do expect to see an average annual return of between seven to 9% per annum, but one in every five years at least being a negative year on average, statistically, and with a minimum time frame of investment for six years. So if we're looking at this from a super perspective, you have twenty six years before you can access your superannuation from a legislative perspective based on current legislation. So why it is a minimum time frame of six years is to with stand the market volatility. So as that pay... As that document shows, all the dips and the the ups and downs, the six year time frame is to help you recover from a a significant dip. Are are you comfortable maintaining that approach to your superannuation investment, or would you like to talk about alternatives? Yeah? Okay. Thank you. The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC. It explains the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process. The next document, two more to go. This is your consent to continue as a client for the next twelve months. It is a fixed... It is... It's a percent based fee of 1.1 up to a balance of 600,000. So when this document was generated, it is estimated to be $935.42 per annum, and that is paid monthly. Not the 900, the the... That's 1.1% paid monthly of your balance when it's calculated. The ongoing fee covers your annual reviews. If, for example, you mentioned if you wanted to go ahead with making contributions to super, you'd you'd contact us. That's all included in your ongoing service. Yep. So if you want to continue receiving advice from Okty, you do... I do ask that you sign that one in return. And then the last document also is the authorization to collect information. So that's the document I was referring to earlier in relation to us getting some updated information from rest. We just need you to sign that so we can send it off to rest and get some updated information. Yeah. So lovely. The only other thing I will mention, Josh, is that currently on your Hub 24... Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination. Did you want me to send out a form to arrange that for you? Yeah. Can you tell me who your beneficiary would be? Yep. Is that Amber? Yep. Does... I've got her here at the moment as Amber Smith. Does... Is she Amber Denham now? Okay. And she's at the same address as you. Is that right? Yep. And would it be a 100% to Amber? Yeah. And lastly, with beneficiary nominations, there's two types. There's a non lapsing and a lapsing. Basically, the the the difference being is the non lapsing means that your beneficiary nomination will stay in place until such a time that you lodge a new form to replace it. A binding means that it's you just need to review it and lodge a new form every three years. What would be your preference? Yeah. Yep. No worries at all. That's about it for me. It was a very a very quick review. Do you have any questions for me? No? Fantastic. So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids. And I'm gonna send you through a... An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments. No action is required on your behalf. We will make those changes for you. And once I've got some further information from Rest in relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make. Oh, how nice is that? Where are you off to? Mhmm. That's absolutely fine. The the changes to that investment portfolio will happen anyway. We'll make sure that they're in place. You'll just get an email for your records. And then anything after that, it it can take up to about ten business days to even get some information from rest. So, look, there's no urgency. We can make sure that you're contacted after that. So the honeymoon. So did you guys just get married? Oh, congratulate. Congratulations. Yeah. Yeah. Well, enjoy your time away. And, yeah, I'll I'll look... And that's absolutely fine. I'll make a note of that. Alright. Well, thank you, and enjoy your your honeymoon. And be safe and travel safe, and we'll speak to you soon. Thank you. 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Josh. This is Jenniferning from Oakview Financial. How are you today? I'm well. Thank you.\n\nJust before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Josh, can I please ask you to confirm your full name, date of birth, and address, please? Thank you for that, Josh.\n\nBefore I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time? Nah. You're good? Okay. Alright.\n\nThe purpose of my call is I'm phoning to complete your scheduled and your review. Do you still have time to do that today? Yeah. 02:00 today. I can...\n\nYeah. Is that okay? Okay. Good. Alright.\n\nLovely. Alright. Well, I will jump straight into it for you. I would just like to start by checking in with you and seeing if there's been any significant changes to your personal or financial situation since your last review. Yeah.\n\nSo we had your job down previously as a truck driver. Is that still the same? Just company? Yep. So what's your new employer's name?\n\nYou're sorry? College. Okay. Yeah. Is there...\n\nAnd then their name? Yeah. Okay. Alright. So with your income, we had that down at a 160,000.\n\nIs that correct still? Sounds about right. So you get super on top of that amount. Yeah. And we had your expenditure at about a thousand dollars a week and your savings at about $1,000 a week.\n\nDoes that also sound about right? Oh, wonderful. Are you making any additional contributions to Super? Yeah. Did you want me to look at that for you, make any recommendations on that?\n\nOkay. No. You're alright. Alright. I have here just assets and liabilities.\n\nI've got a car valued at 15,000. Would that still be correct? Yeah. And a camper trailer at 40,000? Is there any debt attached to that camper trailer?\n\nOkay. Thank you. And a motorbike here of 6,000. Is that still... Yeah.\n\nOh, lovely. What kind? Oh, okay. They're the part. That's getting fast.\n\nOkay. How... And what's that valued at? Yeah. Any debt on that one?\n\nYeah. Okay. That's fine. And what's the other Suzuki? Okay.\n\nYeah. Yeah. My husband's all about bikes, so I know them well. Alright. Any other assets and liabilities, property, savings, investments?\n\nNo. Okay. Okay. And I have you here as a smoker approximately ten a day. Is that right?\n\nYeah. And you have asthma and take a preventer and a puffer also? Yeah. And you have private health insurance with AHM? Yep.\n\nOkay. And do you have a will or power of attorney? No. Yeah. Okay.\n\nLovely. Just circling back to your goals and objectives, I just wanna double check with you. Previously, on... From your last review, you were saving for a house deposit. Is that something you're still working towards?\n\nOkay. Do you have any clear plans on when you would like to purchase a home? Okay. Okay. And have you spoke to a broker or anything to understand?\n\nNo? Yep. Okay. How much do you have saved? Yep.\n\nOkay. Lovely. We do have brokers that we work with. So if there is some... When it does come a time, we can refer you onto somebody who can help you if you like.\n\nWith retirement goals, pretty brief here given that you still got plenty of time before retirement. But you said retire age 65 with $1,500 per week debt free, and you'd like to travel around Australia. Is that still correct? Yeah. Do you think that's financially or a personal reason?\n\nYeah. Like to be busy? Yeah. I can understand that. Okay.\n\nWith your superannuation at the moment, what are you what are your goals with it long term? Like, are you are you looking for growth? What is it that you're hoping to achieve with your super? What's important to you? Yep.\n\nOkay. Fantastic. And I also note that insurance wise, you've got some insurance with Rest Super. Yeah. Yeah.\n\nYep. So group cover... What group cover is is what you've got now. So that covers you, and it's essentially unitized. So each year, I'd need to look into it a little bit further.\n\nBut each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting. So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date details. But, yeah, that... So your insurance at the moment, are you satisfied with the way it's set up or... And the way the levels of cover, which I can I can go through shortly with you for the time for the time being, or is?\n\nAre you wanting to review that? Okay. Okay. Yeah. Fantastic.\n\nWe can do that. And estate planning wise with the Wilson Power of Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that? It's very competitive compared to what's out there, and we can send that through so you can have a a look at that, you and your partners, see if that's something that you wanna go down that path. Alright. Josh, what I'm gonna do now is I'm gonna send...\n\nDo you have access to your emails at all? Yeah. Okay. I'm gonna send you a email that will have our review pack in it for you. It...\n\nWe're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign. And if you click sign here, there's a button that's like DocuSign. You're not signing anything at the moment. It's just that we're gonna talk through the documents before you have the ability to do so. So if you just let me know when you got those documents open, we can start on that.\n\nYeah. You're right. Lovely. Okay. So the first page is a summary of your super and insurance.\n\nSo you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out. The rest insurance is life covers at 363,500, TPD 71,500. With your income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period. So we're gonna get some additional research and just check that balance within rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market. The next document over is your twelve month performance report with Hub.\n\nThis document, first thing I'd like to draw your attention to is the top investment option, the Benelong Australian Equities Fund that is under... That has underperformed the last twelve months, which you will see. And it's due to their investment philosophy rather than the actual Australian share market. And the reason being is that Bennelong is an active manager. So their their philosophy is that they identify undervalued companies in the Australian share market for growth opportunities.\n\nSo the last twelve months saw the financial sectors and the resource sectors really grow in the Australian share market. So the Bennelong mandate... Investment mandate wasn't fulfilled. So as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals. So if you're comfortable with that, that's something I'd like to do.\n\nYeah. The second the second option down is the Beta Bank hybrid ETF. That is a... There's nothing wrong with that investment. It's just that the banking system in Australia is phasing out those investment options from January 2027.\n\nWhat I would like to do is be a little bit more proactive with that approach and look at options and alternatives now as I don't know what that's gonna be replaced with come that time. Yep. Alright. Lovely. The next docu...\n\nSo over the last twelve months, sorry, after fees, so your net return was 1.87%, and that's been highly impacted due to that Bennelong Fund. So what we've done is provided you with a six month performance report, which is the next document across. And you'll see even though the Benelong Australian Equities Fund has turned around and is performing positively now, due to the systemic ongoing underperformance, we're still not comfortable holding that in our client's portfolio. So we are still looking to replace. So the last six month return net of fees is now back at around 7.63%.\n\nSo it is the the portfolio is turning around. It's just not something that we will keep in the portfolio due to the systemic nature of that investment. Does that make sense? Yep. Lovely.\n\nThe next document across is the Vanguard index chart. This is just a little document that I do like to go through with clients just to discuss their risk profile. You are currently invested as a growth investor, which means that what we do is we typically see approximately 80% of your funds in those top four investments being US shares, Australian shares, international shares, and listed property, and the remaining 20% in your your bonds and your cash, so your defensive part of the portfolio. With a gross portfolio, we do expect to see an average annual return of between seven to 9% per annum, but one in every five years at least being a negative year on average, statistically, and with a minimum time frame of investment for six years. So if we're looking at this from a super perspective, you have twenty six years before you can access your superannuation from a legislative perspective based on current legislation.\n\nSo why it is a minimum time frame of six years is to with stand the market volatility. So as that pay... As that document shows, all the dips and the the ups and downs, the six year time frame is to help you recover from a a significant dip. Are are you comfortable maintaining that approach to your superannuation investment, or would you like to talk about alternatives? Yeah?\n\nOkay. Thank you. The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC. It explains the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process. The next document, two more to go.\n\nThis is your consent to continue as a client for the next twelve months. It is a fixed... It is... It's a percent based fee of 1.1 up to a balance of 600,000. So when this document was generated, it is estimated to be $935.42 per annum, and that is paid monthly.\n\nNot the 900, the the... That's 1.1% paid monthly of your balance when it's calculated. The ongoing fee covers your annual reviews. If, for example, you mentioned if you wanted to go ahead with making contributions to super, you'd you'd contact us. That's all included in your ongoing service.\n\nYep. So if you want to continue receiving advice from Okty, you do... I do ask that you sign that one in return. And then the last document also is the authorization to collect information. So that's the document I was referring to earlier in relation to us getting some updated information from rest.\n\nWe just need you to sign that so we can send it off to rest and get some updated information. Yeah. So lovely. The only other thing I will mention, Josh, is that currently on your Hub 24... Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination.\n\nDid you want me to send out a form to arrange that for you? Yeah. Can you tell me who your beneficiary would be? Yep. Is that Amber?\n\nYep. Does... I've got her here at the moment as Amber Smith. Does... Is she Amber Denham now?\n\nOkay. And she's at the same address as you. Is that right? Yep. And would it be a 100% to Amber?\n\nYeah. And lastly, with beneficiary nominations, there's two types. There's a non lapsing and a lapsing. Basically, the the the difference being is the non lapsing means that your beneficiary nomination will stay in place until such a time that you lodge a new form to replace it. A binding means that it's you just need to review it and lodge a new form every three years.\n\nWhat would be your preference? Yeah. Yep. No worries at all. That's about it for me.\n\nIt was a very a very quick review. Do you have any questions for me? No? Fantastic. So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids.\n\nAnd I'm gonna send you through a... An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments. No action is required on your behalf. We will make those changes for you. And once I've got some further information from Rest in relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make.\n\nOh, how nice is that? Where are you off to? Mhmm. That's absolutely fine. The the changes to that investment portfolio will happen anyway.\n\nWe'll make sure that they're in place. You'll just get an email for your records. And then anything after that, it it can take up to about ten business days to even get some information from rest. So, look, there's no urgency. We can make sure that you're contacted after that.\n\nSo the honeymoon. So did you guys just get married? Oh, congratulate. Congratulations. Yeah.\n\nYeah. Well, enjoy your time away. And, yeah, I'll I'll look... And that's absolutely fine. I'll make a note of that.\n\nAlright. Well, thank you, and enjoy your your honeymoon. And be safe and travel safe, and we'll speak to you soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Josh.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.27760758996009827},{"text":"This is Jenniferning from Oakview Financial.","start":3.6,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.30997346838315326},{"text":"How are you today?","start":5.92,"end":6.98,"sentiment":"positive","sentiment_score":0.3421771228313446},{"text":"I'm well.","start":8.88,"end":9.44,"sentiment":"positive","sentiment_score":0.4025218337774277},{"text":"Thank you.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.6074616312980652}],"sentiment":"positive","sentiment_score":0.3627332132309675,"num_words":16,"start":2.8799999,"end":9.92},{"sentences":[{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":9.92,"end":15.485,"sentiment":"neutral","sentiment_score":0.10465907062525334},{"text":"Is that okay?","start":15.485,"end":16.384998,"sentiment":"neutral","sentiment_score":0.12721067667007446},{"text":"Thank you.","start":18.285,"end":19.025,"sentiment":"neutral","sentiment_score":0.32440830767154694},{"text":"And, Josh, can I please ask you to confirm your full name, date of birth, and address, please?","start":19.085,"end":23.904999,"sentiment":"neutral","sentiment_score":0.09143624289168252},{"text":"Thank you for that, Josh.","start":30.54,"end":32.08,"sentiment":"positive","sentiment_score":0.5378784716129303}],"sentiment":"neutral","sentiment_score":0.15240886274213886,"num_words":51,"start":9.92,"end":32.08},{"sentences":[{"text":"Before I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time?","start":32.86,"end":42.325,"sentiment":"neutral","sentiment_score":0.13452968990494465},{"text":"Nah.","start":43.745,"end":43.905,"sentiment":"neutral","sentiment_score":0.07933901250362396},{"text":"You're good?","start":43.905,"end":44.645,"sentiment":"neutral","sentiment_score":0.130202516913414},{"text":"Okay.","start":46.545,"end":47.045,"sentiment":"neutral","sentiment_score":0.1117827296257019},{"text":"Alright.","start":47.585,"end":48.085,"sentiment":"neutral","sentiment_score":0.11754603683948515}],"sentiment":"neutral","sentiment_score":0.13148334764820688,"num_words":34,"start":32.86,"end":48.085},{"sentences":[{"text":"The purpose of my call is I'm phoning to complete your scheduled and your review.","start":48.785,"end":55.36,"sentiment":"neutral","sentiment_score":0.0872621513903141},{"text":"Do you still have time to do that today?","start":55.36,"end":57.7,"sentiment":"neutral","sentiment_score":0.05347476816839642},{"text":"Yeah.","start":63.6,"end":63.92,"sentiment":"neutral","sentiment_score":-0.0043588075786828995},{"text":"02:00 today.","start":63.92,"end":65.14,"sentiment":"neutral","sentiment_score":0.0007121075759641826},{"text":"I can...","start":65.44,"end":66.18,"sentiment":"neutral","sentiment_score":-0.021071238443255424}],"sentiment":"neutral","sentiment_score":0.060176831553690135,"num_words":29,"start":48.785,"end":66.18},{"sentences":[{"text":"Yeah.","start":66.479996,"end":66.88,"sentiment":"neutral","sentiment_score":-0.05860009789466858},{"text":"Is that okay?","start":66.88,"end":67.78,"sentiment":"neutral","sentiment_score":-0.06059397508700689},{"text":"Okay.","start":68.479996,"end":68.96,"sentiment":"neutral","sentiment_score":-0.0109965642914176},{"text":"Good.","start":68.96,"end":69.46,"sentiment":"neutral","sentiment_score":0.04954322800040245},{"text":"Alright.","start":70.775,"end":71.255005,"sentiment":"neutral","sentiment_score":0.15090666711330414}],"sentiment":"neutral","sentiment_score":-0.0072755274762000355,"num_words":7,"start":66.479996,"end":71.255005},{"sentences":[{"text":"Lovely.","start":71.255005,"end":71.755005,"sentiment":"neutral","sentiment_score":0.2206501662731171},{"text":"Alright.","start":72.055,"end":72.455,"sentiment":"neutral","sentiment_score":0.14856059849262238},{"text":"Well, I will jump straight into it for you.","start":72.455,"end":76.475006,"sentiment":"neutral","sentiment_score":0.14189828352795708},{"text":"I would just like to start by checking in with you and seeing if there's been any significant changes to your personal or financial situation since your last review.","start":78.055,"end":87.770004,"sentiment":"neutral","sentiment_score":0.038310289575622},{"text":"Yeah.","start":93.19,"end":93.69,"sentiment":"neutral","sentiment_score":-0.026146575808525085}],"sentiment":"neutral","sentiment_score":0.0666133448390699,"num_words":41,"start":71.255005,"end":93.69},{"sentences":[{"text":"So we had your job down previously as a truck driver.","start":94.23,"end":97.33501,"sentiment":"neutral","sentiment_score":-0.03832698511806401},{"text":"Is that still the same?","start":97.33501,"end":98.795006,"sentiment":"neutral","sentiment_score":-0.02790658287703991},{"text":"Just company?","start":100.695,"end":101.595,"sentiment":"neutral","sentiment_score":-0.01634126203134656},{"text":"Yep.","start":103.175,"end":103.575005,"sentiment":"neutral","sentiment_score":-0.00811707228422165},{"text":"So what's your new employer's name?","start":103.575005,"end":105.515,"sentiment":"neutral","sentiment_score":-0.018462202822168667}],"sentiment":"neutral","sentiment_score":-0.028508102558553218,"num_words":25,"start":94.23,"end":105.515},{"sentences":[{"text":"You're sorry?","start":110.615005,"end":111.355,"sentiment":"neutral","sentiment_score":-0.0480921994894743},{"text":"College.","start":114.009995,"end":114.509995,"sentiment":"neutral","sentiment_score":-0.011938558891415596},{"text":"Okay.","start":114.649994,"end":114.96999,"sentiment":"neutral","sentiment_score":-0.0022420696914196014},{"text":"Yeah.","start":114.96999,"end":115.28999,"sentiment":"neutral","sentiment_score":-0.00413444172590971},{"text":"Is there...","start":115.28999,"end":115.77,"sentiment":"neutral","sentiment_score":-0.007708367891609669}],"sentiment":"neutral","sentiment_score":-0.01855945786727326,"num_words":7,"start":110.615005,"end":115.77},{"sentences":[{"text":"And then their name?","start":115.77,"end":117.229996,"sentiment":"neutral","sentiment_score":-0.014950450509786606},{"text":"Yeah.","start":119.92999,"end":120.329994,"sentiment":"neutral","sentiment_score":0.007396804168820381},{"text":"Okay.","start":120.329994,"end":120.829994,"sentiment":"neutral","sentiment_score":0.01677970588207245},{"text":"Alright.","start":124.575005,"end":125.075005,"sentiment":"neutral","sentiment_score":0.0309978611767292},{"text":"So with your income, we had that down at a 160,000.","start":125.615,"end":129.715,"sentiment":"neutral","sentiment_score":0.017554821785200726}],"sentiment":"neutral","sentiment_score":0.010470867156982422,"num_words":18,"start":115.77,"end":129.715},{"sentences":[{"text":"Is that correct still?","start":129.775,"end":131.155,"sentiment":"neutral","sentiment_score":0.016472737925596448},{"text":"Sounds about right.","start":139.16,"end":139.96,"sentiment":"positive","sentiment_score":0.39994192123413086},{"text":"So you get super on top of that amount.","start":139.96,"end":142.22,"sentiment":"positive","sentiment_score":0.6317523519198099},{"text":"Yeah.","start":143.8,"end":144.3,"sentiment":"neutral","sentiment_score":0.2181631177663803},{"text":"And we had your expenditure at about a thousand dollars a week and your savings at about $1,000 a week.","start":144.44,"end":150.68001,"sentiment":"neutral","sentiment_score":0.188659880310297}],"sentiment":"neutral","sentiment_score":0.29575266504474024,"num_words":37,"start":129.775,"end":150.68001},{"sentences":[{"text":"Does that also sound about right?","start":150.68001,"end":152.78,"sentiment":"neutral","sentiment_score":0.11890374993284543},{"text":"Oh, wonderful.","start":154.815,"end":155.63501,"sentiment":"positive","sentiment_score":0.574015200138092},{"text":"Are you making any additional contributions to Super?","start":156.015,"end":158.99501,"sentiment":"neutral","sentiment_score":0.2344195805490017},{"text":"Yeah.","start":162.895,"end":163.395,"sentiment":"neutral","sentiment_score":0.06027975678443909},{"text":"Did you want me to look at that for you, make any recommendations on that?","start":163.77501,"end":170.05,"sentiment":"neutral","sentiment_score":0.07471418629089992}],"sentiment":"neutral","sentiment_score":0.15368131548166275,"num_words":32,"start":150.68001,"end":170.05},{"sentences":[{"text":"Okay.","start":174.27,"end":174.77,"sentiment":"neutral","sentiment_score":-0.003631610423326492},{"text":"No.","start":178.83,"end":179.33,"sentiment":"neutral","sentiment_score":-0.1521158665418625},{"text":"You're alright.","start":179.47,"end":180.20999,"sentiment":"neutral","sentiment_score":-0.10123332217335701},{"text":"Alright.","start":180.91,"end":181.41,"sentiment":"neutral","sentiment_score":0.004880581051111221},{"text":"I have here just assets and liabilities.","start":181.63,"end":185.505,"sentiment":"neutral","sentiment_score":-0.011732133105397224}],"sentiment":"neutral","sentiment_score":-0.03628820599988103,"num_words":12,"start":174.27,"end":185.505},{"sentences":[{"text":"I've got a car valued at 15,000.","start":186.36499,"end":189.105,"sentiment":"neutral","sentiment_score":-0.015184804264988219},{"text":"Would that still be correct?","start":189.165,"end":190.625,"sentiment":"neutral","sentiment_score":-0.020262601599097253},{"text":"Yeah.","start":194.685,"end":195.185,"sentiment":"neutral","sentiment_score":0.006209413520991802},{"text":"And a camper trailer at 40,000?","start":195.245,"end":198.465,"sentiment":"neutral","sentiment_score":0.003314907429739833},{"text":"Is there any debt attached to that camper trailer?","start":200.26001,"end":202.84,"sentiment":"neutral","sentiment_score":-0.03723185323178768}],"sentiment":"neutral","sentiment_score":-0.01844980210132365,"num_words":28,"start":186.36499,"end":202.84},{"sentences":[{"text":"Okay.","start":211.46,"end":211.96,"sentiment":"neutral","sentiment_score":0.14184917509555817},{"text":"Thank you.","start":212.02,"end":212.84,"sentiment":"neutral","sentiment_score":0.2988286018371582},{"text":"And a motorbike here of 6,000.","start":213.425,"end":216.225,"sentiment":"neutral","sentiment_score":0.04507081055392822},{"text":"Is that still...","start":216.225,"end":217.285,"sentiment":"neutral","sentiment_score":0.016766527046759922},{"text":"Yeah.","start":219.345,"end":219.845,"sentiment":"neutral","sentiment_score":-0.01006314903497696}],"sentiment":"neutral","sentiment_score":0.08078212878451897,"num_words":13,"start":211.46,"end":219.845},{"sentences":[{"text":"Oh, lovely.","start":221.585,"end":222.405,"sentiment":"neutral","sentiment_score":0.12546878680586815},{"text":"What kind?","start":222.545,"end":223.365,"sentiment":"neutral","sentiment_score":0.028159783221781254},{"text":"Oh, okay.","start":229.84001,"end":231.78,"sentiment":"neutral","sentiment_score":0.0629490502178669},{"text":"They're the part.","start":232.64,"end":233.28,"sentiment":"neutral","sentiment_score":0.08875122418006261},{"text":"That's getting fast.","start":233.28,"end":234.58,"sentiment":"neutral","sentiment_score":0.1683658560117086}],"sentiment":"neutral","sentiment_score":0.10037554008886218,"num_words":12,"start":221.585,"end":234.58},{"sentences":[{"text":"Okay.","start":234.64,"end":235.12001,"sentiment":"neutral","sentiment_score":0.042704761028289795},{"text":"How...","start":235.12001,"end":235.36,"sentiment":"neutral","sentiment_score":0.015900051221251488},{"text":"And what's that valued at?","start":235.36,"end":236.895,"sentiment":"neutral","sentiment_score":0.018858271464705468},{"text":"Yeah.","start":242.175,"end":242.655,"sentiment":"neutral","sentiment_score":0.004679445177316666},{"text":"Any debt on that one?","start":242.655,"end":244.035,"sentiment":"neutral","sentiment_score":-0.04371268302202225}],"sentiment":"neutral","sentiment_score":-0.004691369258440458,"num_words":13,"start":234.64,"end":244.035},{"sentences":[{"text":"Yeah.","start":246.175,"end":246.575,"sentiment":"neutral","sentiment_score":0.0029213689267635345},{"text":"Okay.","start":246.575,"end":247.075,"sentiment":"neutral","sentiment_score":0.037622880190610886},{"text":"That's fine.","start":247.375,"end":248.175,"sentiment":"neutral","sentiment_score":0.07711450010538101},{"text":"And what's the other Suzuki?","start":248.175,"end":249.715,"sentiment":"neutral","sentiment_score":0.0117714274674654},{"text":"Okay.","start":256.28,"end":256.78,"sentiment":"neutral","sentiment_score":0.015782732516527176}],"sentiment":"neutral","sentiment_score":0.02694131191819906,"num_words":10,"start":246.175,"end":256.78},{"sentences":[{"text":"Yeah.","start":258.68,"end":259.08002,"sentiment":"neutral","sentiment_score":0.05491362512111664},{"text":"Yeah.","start":259.08002,"end":259.56,"sentiment":"neutral","sentiment_score":0.06346073001623154},{"text":"My husband's all about bikes, so I know them well.","start":259.56,"end":262.22,"sentiment":"neutral","sentiment_score":0.08174625560641288},{"text":"Alright.","start":264.36502,"end":264.845,"sentiment":"neutral","sentiment_score":0.05236390233039856},{"text":"Any other assets and liabilities, property, savings, investments?","start":264.845,"end":269.74503,"sentiment":"neutral","sentiment_score":0.02219527238048613}],"sentiment":"neutral","sentiment_score":0.055512523455988796,"num_words":21,"start":258.68,"end":269.74503},{"sentences":[{"text":"No.","start":269.80502,"end":270.30502,"sentiment":"neutral","sentiment_score":-0.10989531874656676},{"text":"Okay.","start":271.005,"end":271.505,"sentiment":"neutral","sentiment_score":-0.06844091415405273},{"text":"Okay.","start":272.20502,"end":272.70502,"sentiment":"neutral","sentiment_score":-0.06508775800466537},{"text":"And I have you here as a smoker approximately ten a day.","start":272.845,"end":276.605,"sentiment":"neutral","sentiment_score":-0.0493153411274155},{"text":"Is that right?","start":276.605,"end":277.505,"sentiment":"neutral","sentiment_score":-0.03641292328635851}],"sentiment":"neutral","sentiment_score":-0.05246926968296369,"num_words":18,"start":269.80502,"end":277.505},{"sentences":[{"text":"Yeah.","start":279.4,"end":279.9,"sentiment":"neutral","sentiment_score":-0.02866893820464611},{"text":"And you have asthma and take a preventer and a puffer also?","start":280.2,"end":284.94,"sentiment":"neutral","sentiment_score":-0.010830482700839639},{"text":"Yeah.","start":286.68,"end":287.16,"sentiment":"neutral","sentiment_score":0.019450146704912186},{"text":"And you have private health insurance with AHM?","start":287.16,"end":289.9,"sentiment":"neutral","sentiment_score":-0.0008873856859281659},{"text":"Yep.","start":301.765,"end":302.265,"sentiment":"neutral","sentiment_score":0.034726694226264954}],"sentiment":"neutral","sentiment_score":-0.0048503032683030415,"num_words":23,"start":279.4,"end":302.265},{"sentences":[{"text":"Okay.","start":302.325,"end":302.825,"sentiment":"neutral","sentiment_score":0.0319843627512455},{"text":"And do you have a will or power of 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were saving for a house deposit.","start":322.125,"end":325.185,"sentiment":"neutral","sentiment_score":0.03222309222275561},{"text":"Is that something you're still working towards?","start":325.245,"end":327.26498,"sentiment":"neutral","sentiment_score":0.03619122239095824}],"sentiment":"neutral","sentiment_score":0.14942288647095361,"num_words":36,"start":313.31,"end":327.26498},{"sentences":[{"text":"Okay.","start":329.88498,"end":330.38498,"sentiment":"neutral","sentiment_score":0.09999212622642516},{"text":"Do you have any clear plans on when you would like to purchase a home?","start":332.88998,"end":336.99,"sentiment":"neutral","sentiment_score":0.07142462134361267},{"text":"Okay.","start":344.09,"end":344.59,"sentiment":"neutral","sentiment_score":0.009777856990695},{"text":"Okay.","start":348.195,"end":348.695,"sentiment":"neutral","sentiment_score":0.010555259883403778},{"text":"And have you spoke to a broker or anything to 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saved?","start":361.8,"end":363.25998,"sentiment":"neutral","sentiment_score":0.009796847278873125},{"text":"Yep.","start":368.12,"end":368.52,"sentiment":"neutral","sentiment_score":0.06947686523199081}],"sentiment":"neutral","sentiment_score":0.008746014162898065,"num_words":10,"start":357.155,"end":368.52},{"sentences":[{"text":"Okay.","start":368.52,"end":368.91998,"sentiment":"neutral","sentiment_score":0.13889405131340027},{"text":"Lovely.","start":368.91998,"end":369.41998,"sentiment":"neutral","sentiment_score":0.28220421075820923},{"text":"We do have brokers that we work with.","start":371.365,"end":373.60498,"sentiment":"neutral","sentiment_score":0.13973501697182655},{"text":"So if there is some...","start":373.60498,"end":374.805,"sentiment":"neutral","sentiment_score":0.06388403549790382},{"text":"When it does come a time, we can refer you onto somebody who can help you if you like.","start":374.805,"end":379.785,"sentiment":"neutral","sentiment_score":0.15222688215343574}],"sentiment":"neutral","sentiment_score":0.13972674518385353,"num_words":34,"start":368.52,"end":379.785},{"sentences":[{"text":"With retirement goals, pretty brief here given that you still got plenty of time before retirement.","start":382.005,"end":389.02002,"sentiment":"neutral","sentiment_score":0.08529849629849195},{"text":"But you said retire age 65 with $1,500 per week debt free, and you'd like to travel around Australia.","start":389.48,"end":396.92,"sentiment":"neutral","sentiment_score":0.047785254489434395},{"text":"Is that still correct?","start":396.92,"end":399.225,"sentiment":"neutral","sentiment_score":0.03270467557013035},{"text":"Yeah.","start":404.185,"end":404.505,"sentiment":"neutral","sentiment_score":-0.04857815057039261},{"text":"Do you think that's financially or a personal reason?","start":404.505,"end":407.64502,"sentiment":"neutral","sentiment_score":-0.10430340882804659}],"sentiment":"neutral","sentiment_score":0.02890215608842519,"num_words":49,"start":382.005,"end":407.64502},{"sentences":[{"text":"Yeah.","start":412.98502,"end":413.465,"sentiment":"neutral","sentiment_score":-0.08765371143817902},{"text":"Like to be busy?","start":413.465,"end":414.445,"sentiment":"neutral","sentiment_score":-0.13035107217729092},{"text":"Yeah.","start":417.71002,"end":417.79,"sentiment":"neutral","sentiment_score":-0.02498765103518963},{"text":"I can understand that.","start":417.79,"end":419.17,"sentiment":"neutral","sentiment_score":-0.05718901939690113},{"text":"Okay.","start":419.31,"end":419.81,"sentiment":"neutral","sentiment_score":0.035869695246219635}],"sentiment":"neutral","sentiment_score":-0.0751756394112652,"num_words":11,"start":412.98502,"end":419.81},{"sentences":[{"text":"With your superannuation at the moment, what are you what are your goals with it long term?","start":420.67,"end":425.95,"sentiment":"neutral","sentiment_score":0.06557964314432706},{"text":"Like, are you are you looking for growth?","start":425.95,"end":428.84497,"sentiment":"neutral","sentiment_score":0.03530473308637738},{"text":"What is it that you're hoping to achieve with your super?","start":428.84497,"end":431.72498,"sentiment":"neutral","sentiment_score":0.07478517260063779},{"text":"What's important to you?","start":431.72498,"end":433.10498,"sentiment":"neutral","sentiment_score":0.019105864455923438},{"text":"Yep.","start":442.125,"end":442.56,"sentiment":"neutral","sentiment_score":0.09533383697271348}],"sentiment":"neutral","sentiment_score":0.05833380467190248,"num_words":41,"start":420.67,"end":442.56},{"sentences":[{"text":"Okay.","start":446.4,"end":446.8,"sentiment":"positive","sentiment_score":0.34410548210144043},{"text":"Fantastic.","start":446.8,"end":447.3,"sentiment":"positive","sentiment_score":0.6814256906509399},{"text":"And I also note that insurance wise, you've got some insurance with Rest Super.","start":447.91998,"end":456.98502,"sentiment":"neutral","sentiment_score":0.16616098263434},{"text":"Yeah.","start":461.20502,"end":461.70502,"sentiment":"neutral","sentiment_score":0.030076252296566963},{"text":"Yeah.","start":471.045,"end":471.545,"sentiment":"neutral","sentiment_score":0.029151489958167076}],"sentiment":"neutral","sentiment_score":0.1895007039937708,"num_words":18,"start":446.4,"end":471.545},{"sentences":[{"text":"Yep.","start":471.84,"end":472.08002,"sentiment":"neutral","sentiment_score":0.026553824543952945},{"text":"So group cover...","start":472.08002,"end":473.22,"sentiment":"neutral","sentiment_score":0.010556549144287905},{"text":"What group cover is is what you've got now.","start":473.6,"end":475.68,"sentiment":"neutral","sentiment_score":0.019243895179695554},{"text":"So that covers you, and it's essentially unitized.","start":475.68,"end":479.86002,"sentiment":"neutral","sentiment_score":0.04157214006409049},{"text":"So each year, I'd need to look into it a little bit further.","start":480.08002,"end":483.06,"sentiment":"neutral","sentiment_score":0.016284592163104277}],"sentiment":"neutral","sentiment_score":0.02281456903609283,"num_words":34,"start":471.84,"end":483.06},{"sentences":[{"text":"But each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting.","start":483.36002,"end":489.585,"sentiment":"neutral","sentiment_score":-0.018933589545715796},{"text":"So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date details.","start":489.645,"end":496.465,"sentiment":"neutral","sentiment_score":0.054787073051556945},{"text":"But, yeah, that...","start":498.125,"end":499.16498,"sentiment":"neutral","sentiment_score":-0.019278810049096744},{"text":"So your insurance at the moment, are you satisfied with the way it's set up or...","start":499.16498,"end":505.86,"sentiment":"neutral","sentiment_score":-0.011883479834068567},{"text":"And the way the levels of cover, which I can I can go through shortly with you for the time for the time being, or is?","start":505.86,"end":515.71497,"sentiment":"neutral","sentiment_score":0.0009831808364162077}],"sentiment":"neutral","sentiment_score":0.012198320109746419,"num_words":96,"start":483.36002,"end":515.71497},{"sentences":[{"text":"Are you wanting to review that?","start":515.71497,"end":517.65497,"sentiment":"neutral","sentiment_score":-0.008935659813384214},{"text":"Okay.","start":521.555,"end":522.055,"sentiment":"neutral","sentiment_score":0.05586312338709831},{"text":"Okay.","start":523.075,"end":523.575,"sentiment":"neutral","sentiment_score":0.03383180499076843},{"text":"Yeah.","start":528.42,"end":528.92,"sentiment":"neutral","sentiment_score":0.16293136775493622},{"text":"Fantastic.","start":530.66,"end":531.16,"sentiment":"positive","sentiment_score":0.4955902695655823}],"sentiment":"neutral","sentiment_score":0.069460260681808,"num_words":10,"start":515.71497,"end":531.16},{"sentences":[{"text":"We can do that.","start":531.3,"end":532.27997,"sentiment":"positive","sentiment_score":0.3479478284716606},{"text":"And estate planning wise with the Wilson Power of Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that?","start":533.46,"end":547.305,"sentiment":"neutral","sentiment_score":0.055785514103869595},{"text":"It's very competitive compared to what's out there, and we can send that through so you can have a a look at that, you and your partners, see if that's something that you wanna go down that path.","start":548.325,"end":560.79004,"sentiment":"neutral","sentiment_score":0.14334965918801332},{"text":"Alright.","start":563.09,"end":563.59,"sentiment":"neutral","sentiment_score":0.17576932907104492},{"text":"Josh, what I'm gonna do now is I'm gonna send...","start":564.05005,"end":566.93005,"sentiment":"neutral","sentiment_score":0.052579761296510694}],"sentiment":"neutral","sentiment_score":0.10729127879557984,"num_words":89,"start":531.3,"end":566.93005},{"sentences":[{"text":"Do you have access to your emails at all?","start":566.93005,"end":569.03,"sentiment":"neutral","sentiment_score":0.00022686697128746245},{"text":"Yeah.","start":570.37006,"end":570.77,"sentiment":"neutral","sentiment_score":0.09453921765089036},{"text":"Okay.","start":570.77,"end":571.27,"sentiment":"neutral","sentiment_score":0.13847973942756653},{"text":"I'm gonna send you a email that will have our review pack in it for you.","start":571.435,"end":576.255,"sentiment":"neutral","sentiment_score":0.21680264547467232},{"text":"It...","start":577.195,"end":577.59503,"sentiment":"neutral","sentiment_score":0.023571383208036423}],"sentiment":"neutral","sentiment_score":0.1331240882365299,"num_words":28,"start":566.93005,"end":577.59503},{"sentences":[{"text":"We're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign.","start":577.59503,"end":586.49005,"sentiment":"neutral","sentiment_score":0.06968329614028335},{"text":"And if you click sign here, there's a button that's like DocuSign.","start":586.95,"end":592.01,"sentiment":"neutral","sentiment_score":0.015664259379263967},{"text":"You're not signing anything at the moment.","start":593.03,"end":594.71,"sentiment":"neutral","sentiment_score":-0.23982124349900655},{"text":"It's just that we're gonna talk through the documents before you have the ability to do so.","start":594.71,"end":599.705,"sentiment":"neutral","sentiment_score":-0.11067525648018893},{"text":"So if you just let me know when you got those documents open, we can start on that.","start":602.405,"end":609.465,"sentiment":"neutral","sentiment_score":0.08169316127896309}],"sentiment":"neutral","sentiment_score":-0.011240675869131727,"num_words":70,"start":577.59503,"end":609.465},{"sentences":[{"text":"Yeah.","start":612.16504,"end":612.405,"sentiment":"neutral","sentiment_score":0.12407924979925156},{"text":"You're right.","start":612.405,"end":613.02,"sentiment":"neutral","sentiment_score":0.2316632866859436},{"text":"Lovely.","start":645.66003,"end":646.16003,"sentiment":"positive","sentiment_score":0.4989656209945678},{"text":"Okay.","start":646.46,"end":646.86,"sentiment":"neutral","sentiment_score":0.2559734284877777},{"text":"So the first page is a summary of your super and insurance.","start":646.86,"end":650.06,"sentiment":"neutral","sentiment_score":0.15558761234084764}],"sentiment":"neutral","sentiment_score":0.18878801298492096,"num_words":17,"start":612.16504,"end":650.06},{"sentences":[{"text":"So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out.","start":650.06,"end":663.105,"sentiment":"neutral","sentiment_score":0.1057039939838907},{"text":"The rest insurance is life covers at 363,500, TPD 71,500.","start":664.285,"end":672.31,"sentiment":"neutral","sentiment_score":0.06832847744226456},{"text":"With your income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period.","start":672.69,"end":681.75,"sentiment":"neutral","sentiment_score":0.09489945154637099},{"text":"So we're gonna get some additional research and just check that balance within rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market.","start":682.33496,"end":698.96,"sentiment":"neutral","sentiment_score":-0.012512867649396261},{"text":"The next document over is your twelve month performance report with Hub.","start":700.22003,"end":705.84,"sentiment":"neutral","sentiment_score":0.04089243430644274}],"sentiment":"neutral","sentiment_score":0.04651994801291796,"num_words":107,"start":650.06,"end":705.84},{"sentences":[{"text":"This document, first thing I'd like to draw your attention to is the top investment option, the Benelong Australian Equities Fund that is under...","start":707.58,"end":717.725,"sentiment":"neutral","sentiment_score":0.04080386560720702},{"text":"That has underperformed the last twelve months, which you will see.","start":717.785,"end":721.965,"sentiment":"neutral","sentiment_score":0.1101630072702061},{"text":"And it's due to their investment philosophy rather than the actual Australian share market.","start":722.37994,"end":726.95996,"sentiment":"neutral","sentiment_score":0.07689709668712956},{"text":"And the reason being is that Bennelong is an active manager.","start":727.57996,"end":732.63995,"sentiment":"neutral","sentiment_score":0.13734819807789542},{"text":"So their their philosophy is that they identify undervalued companies in the Australian share market for growth opportunities.","start":732.69995,"end":741.935,"sentiment":"neutral","sentiment_score":0.10454433949457274}],"sentiment":"neutral","sentiment_score":0.08538812176825908,"num_words":78,"start":707.58,"end":741.935},{"sentences":[{"text":"So the last twelve months saw the financial sectors and the resource sectors really grow in the Australian share market.","start":742.475,"end":751.74,"sentiment":"neutral","sentiment_score":0.16734611187130213},{"text":"So the Bennelong mandate...","start":751.95996,"end":754.77997,"sentiment":"neutral","sentiment_score":-0.10267778113484383},{"text":"Investment mandate wasn't fulfilled.","start":755.0,"end":756.77997,"sentiment":"neutral","sentiment_score":-0.29576705396175385},{"text":"So as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals.","start":757.24,"end":766.405,"sentiment":"neutral","sentiment_score":-0.008139222439739012},{"text":"So if you're comfortable with that, that's something I'd like to do.","start":766.78503,"end":770.245,"sentiment":"neutral","sentiment_score":0.06553337257355452}],"sentiment":"neutral","sentiment_score":0.03221447144070981,"num_words":71,"start":742.475,"end":770.245},{"sentences":[{"text":"Yeah.","start":772.465,"end":772.965,"sentiment":"neutral","sentiment_score":0.12002793699502944},{"text":"The second the second option down is the Beta Bank hybrid ETF.","start":773.025,"end":779.36,"sentiment":"neutral","sentiment_score":0.04242840254058441},{"text":"That is a...","start":781.1,"end":782.56,"sentiment":"neutral","sentiment_score":0.013508296261231104},{"text":"There's nothing wrong with that investment.","start":783.02,"end":784.56,"sentiment":"neutral","sentiment_score":-0.06107048007349173},{"text":"It's just that the banking system in Australia is phasing out those investment options from January 2027.","start":784.62,"end":791.2001,"sentiment":"neutral","sentiment_score":-0.0955824546296807}],"sentiment":"neutral","sentiment_score":-0.03388797315076376,"num_words":39,"start":772.465,"end":791.2001},{"sentences":[{"text":"What I would like to do is be a little bit more proactive with that approach and look at options and alternatives now as I don't know what that's gonna be replaced with come that time.","start":793.13495,"end":805.22003,"sentiment":"neutral","sentiment_score":0.01918329277800189},{"text":"Yep.","start":808.0,"end":808.32,"sentiment":"neutral","sentiment_score":0.07055962085723877},{"text":"Alright.","start":808.32,"end":808.72003,"sentiment":"neutral","sentiment_score":0.20555752515792847},{"text":"Lovely.","start":808.72003,"end":809.22003,"sentiment":"positive","sentiment_score":0.33754098415374756},{"text":"The next docu...","start":810.88,"end":812.02,"sentiment":"neutral","sentiment_score":0.08089674140016238}],"sentiment":"neutral","sentiment_score":0.03683206891374929,"num_words":42,"start":793.13495,"end":812.02},{"sentences":[{"text":"So over the last twelve months, sorry, after fees, so your net return was 1.87%, and that's been highly impacted due to that Bennelong Fund.","start":812.08,"end":823.075,"sentiment":"neutral","sentiment_score":-0.3051204240322113},{"text":"So what we've done is provided you with a six month performance report, which is the next document across.","start":823.53503,"end":830.515,"sentiment":"neutral","sentiment_score":-0.050279065084300543},{"text":"And you'll see even though the Benelong Australian Equities Fund has turned around and is performing positively now, due to the systemic ongoing underperformance, we're still not comfortable holding that in our client's portfolio.","start":831.02997,"end":845.52997,"sentiment":"neutral","sentiment_score":-0.2164506040075246},{"text":"So we are still looking to replace.","start":846.765,"end":853.42505,"sentiment":"neutral","sentiment_score":-0.1537553896861417},{"text":"So the last six month return net of fees is now back at around 7.63%.","start":853.72504,"end":860.765,"sentiment":"neutral","sentiment_score":-0.10029440025488535}],"sentiment":"neutral","sentiment_score":-0.185233371052891,"num_words":100,"start":812.08,"end":860.765},{"sentences":[{"text":"So it is the the portfolio is turning around.","start":860.765,"end":863.94,"sentiment":"neutral","sentiment_score":-0.12757479730579588},{"text":"It's just not something that we will keep in the portfolio due to the systemic nature of that investment.","start":864.39996,"end":872.26,"sentiment":"neutral","sentiment_score":-0.29023378616885137},{"text":"Does that make sense?","start":872.8,"end":873.94,"sentiment":"neutral","sentiment_score":0.037091721780598164},{"text":"Yep.","start":875.2,"end":875.6,"sentiment":"neutral","sentiment_score":0.18379101157188416},{"text":"Lovely.","start":875.6,"end":876.1,"sentiment":"neutral","sentiment_score":0.3319343328475952}],"sentiment":"neutral","sentiment_score":-0.17642714357113137,"num_words":34,"start":860.765,"end":876.1},{"sentences":[{"text":"The next document across is the Vanguard index chart.","start":877.155,"end":880.215,"sentiment":"neutral","sentiment_score":0.09757877555158403},{"text":"This is just a little document that I do like to go through with clients just to discuss their risk profile.","start":881.315,"end":887.09503,"sentiment":"neutral","sentiment_score":0.1248669819462867},{"text":"You are currently invested as a growth investor, which means that what we do is we typically see approximately 80% of your funds in those top four investments being US shares, Australian shares, international shares, and listed property, and the remaining 20% in your your bonds and your cash, so your defensive part of the portfolio.","start":888.915,"end":909.965,"sentiment":"neutral","sentiment_score":0.08714096201583743},{"text":"With a gross portfolio, we do expect to see an average annual return of between seven to 9% per annum, but one in every five years at least being a negative year on average, statistically, and with a minimum time frame of investment for six years.","start":911.065,"end":928.31,"sentiment":"neutral","sentiment_score":-0.31216325724254484},{"text":"So if we're looking at this from a super perspective, you have twenty six years before you can access your superannuation from a legislative perspective based on current legislation.","start":928.31,"end":939.625,"sentiment":"neutral","sentiment_score":-0.20729611865405378}],"sentiment":"neutral","sentiment_score":-0.07447694285963632,"num_words":161,"start":877.155,"end":939.625},{"sentences":[{"text":"So why it is a minimum time frame of six years is to with stand the market volatility.","start":940.325,"end":947.37,"sentiment":"neutral","sentiment_score":-0.23319528003533682},{"text":"So as that pay...","start":947.43,"end":949.19,"sentiment":"neutral","sentiment_score":-0.09578248113393784},{"text":"As that document shows, all the dips and the the ups and downs, the six year time frame is to help you recover from a a significant dip.","start":949.19,"end":960.57,"sentiment":"neutral","sentiment_score":-0.09394418421600546},{"text":"Are are you comfortable maintaining that approach to your superannuation investment, or would you like to talk about alternatives?","start":962.245,"end":970.025,"sentiment":"neutral","sentiment_score":0.07402071846943152},{"text":"Yeah?","start":973.365,"end":973.865,"sentiment":"neutral","sentiment_score":0.04702279716730118}],"sentiment":"neutral","sentiment_score":-0.08225236678762095,"num_words":70,"start":940.325,"end":973.865},{"sentences":[{"text":"Okay.","start":973.925,"end":974.425,"sentiment":"neutral","sentiment_score":0.2267889380455017},{"text":"Thank you.","start":974.485,"end":975.305,"sentiment":"positive","sentiment_score":0.4698917865753174},{"text":"The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC.","start":976.02,"end":985.88,"sentiment":"neutral","sentiment_score":0.07178823177057964},{"text":"It explains the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process.","start":986.42004,"end":997.605,"sentiment":"neutral","sentiment_score":-0.10434806247940287},{"text":"The next document, two more to go.","start":1000.465,"end":1002.405,"sentiment":"neutral","sentiment_score":0.008073448336550168}],"sentiment":"neutral","sentiment_score":-0.003669960643438732,"num_words":68,"start":973.925,"end":1002.405},{"sentences":[{"text":"This is your consent to continue as a client for the next twelve months.","start":1003.585,"end":1009.35,"sentiment":"neutral","sentiment_score":0.02012270995016609},{"text":"It is a fixed...","start":1010.20996,"end":1011.97,"sentiment":"neutral","sentiment_score":-0.004931068047881126},{"text":"It is...","start":1011.97,"end":1012.37,"sentiment":"neutral","sentiment_score":-0.01313987746834755},{"text":"It's a percent based fee of 1.1 up to a balance of 600,000.","start":1012.37,"end":1018.07,"sentiment":"neutral","sentiment_score":-0.01947958466525261},{"text":"So when this document was generated, it is estimated to be $935.42 per annum, and that is paid monthly.","start":1018.20996,"end":1028.515,"sentiment":"neutral","sentiment_score":-0.01007138579887779}],"sentiment":"neutral","sentiment_score":-0.004016865743324161,"num_words":52,"start":1003.585,"end":1028.515},{"sentences":[{"text":"Not the 900, the the...","start":1029.375,"end":1031.535,"sentiment":"neutral","sentiment_score":-0.02878856807947159},{"text":"That's 1.1% paid monthly of your balance when it's calculated.","start":1031.535,"end":1035.97,"sentiment":"neutral","sentiment_score":-0.01957406345754862},{"text":"The ongoing fee covers your annual reviews.","start":1038.27,"end":1042.53,"sentiment":"neutral","sentiment_score":0.022262660520417348},{"text":"If, for example, you mentioned if you wanted to go ahead with making contributions to super, you'd you'd contact us.","start":1044.03,"end":1051.3151,"sentiment":"neutral","sentiment_score":0.04780963035300374},{"text":"That's all included in your ongoing service.","start":1051.3151,"end":1053.5751,"sentiment":"neutral","sentiment_score":0.0987339834017413}],"sentiment":"neutral","sentiment_score":0.029867053868211046,"num_words":49,"start":1029.375,"end":1053.5751},{"sentences":[{"text":"Yep.","start":1055.4751,"end":1055.9551,"sentiment":"neutral","sentiment_score":0.14962616562843323},{"text":"So if you want to continue receiving advice from Okty, you do...","start":1055.9551,"end":1062.12,"sentiment":"neutral","sentiment_score":0.14686838102837405},{"text":"I do ask that you sign that one in return.","start":1062.12,"end":1064.22,"sentiment":"neutral","sentiment_score":0.1285424016416073},{"text":"And then the last document also is the authorization to collect information.","start":1064.84,"end":1069.58,"sentiment":"neutral","sentiment_score":0.07829283239940803},{"text":"So that's the document I was referring to earlier in relation to us getting some updated information from rest.","start":1069.88,"end":1077.935,"sentiment":"neutral","sentiment_score":0.07474806767545249}],"sentiment":"neutral","sentiment_score":0.10291107461132386,"num_words":54,"start":1055.4751,"end":1077.935},{"sentences":[{"text":"We just need you to sign that so we can send it off to rest and get some updated information.","start":1078.155,"end":1082.8151,"sentiment":"neutral","sentiment_score":0.14196375533938407},{"text":"Yeah.","start":1085.1951,"end":1085.6951,"sentiment":"neutral","sentiment_score":0.1553769409656525},{"text":"So lovely.","start":1085.995,"end":1088.01,"sentiment":"positive","sentiment_score":0.5271480232477188},{"text":"The only other thing I will mention, Josh, is that currently on your Hub 24...","start":1088.79,"end":1093.43,"sentiment":"neutral","sentiment_score":0.028820312426735956},{"text":"Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination.","start":1093.43,"end":1099.93,"sentiment":"neutral","sentiment_score":-0.044837884708411165}],"sentiment":"neutral","sentiment_score":0.06561019385532875,"num_words":56,"start":1078.155,"end":1099.93},{"sentences":[{"text":"Did you want me to send out a form to arrange that for you?","start":1102.535,"end":1106.395,"sentiment":"neutral","sentiment_score":-0.0033433219151837485},{"text":"Yeah.","start":1108.4551,"end":1108.935,"sentiment":"neutral","sentiment_score":0.06316804140806198},{"text":"Can you tell me who your beneficiary would be?","start":1108.935,"end":1111.8351,"sentiment":"neutral","sentiment_score":0.02239414056142171},{"text":"Yep.","start":1116.75,"end":1117.25,"sentiment":"neutral","sentiment_score":0.024065878242254257},{"text":"Is that Amber?","start":1117.47,"end":1118.37,"sentiment":"neutral","sentiment_score":0.010013858942935864}],"sentiment":"neutral","sentiment_score":0.00971486623997667,"num_words":28,"start":1102.535,"end":1118.37},{"sentences":[{"text":"Yep.","start":1120.1901,"end":1120.6901,"sentiment":"neutral","sentiment_score":0.0110580837354064},{"text":"Does...","start":1120.91,"end":1121.23,"sentiment":"neutral","sentiment_score":0.004347297828644514},{"text":"I've got her here at the moment as Amber Smith.","start":1121.23,"end":1123.47,"sentiment":"neutral","sentiment_score":0.005189774138852954},{"text":"Does...","start":1123.47,"end":1123.79,"sentiment":"neutral","sentiment_score":0.002116996329277754},{"text":"Is she Amber Denham now?","start":1123.79,"end":1126.05,"sentiment":"neutral","sentiment_score":-0.0023236284032464027}],"sentiment":"neutral","sentiment_score":0.003211220959201455,"num_words":18,"start":1120.1901,"end":1126.05},{"sentences":[{"text":"Okay.","start":1129.5951,"end":1130.0951,"sentiment":"neutral","sentiment_score":0.02026999741792679},{"text":"And she's at the same address as you.","start":1132.235,"end":1135.915,"sentiment":"neutral","sentiment_score":0.022420902270823717},{"text":"Is that right?","start":1135.915,"end":1136.8151,"sentiment":"neutral","sentiment_score":0.029773556316892307},{"text":"Yep.","start":1138.235,"end":1138.7151,"sentiment":"neutral","sentiment_score":0.02911597490310669},{"text":"And would it be a 100% to Amber?","start":1138.7151,"end":1140.975,"sentiment":"neutral","sentiment_score":0.02490755752660334}],"sentiment":"neutral","sentiment_score":0.024634967602434613,"num_words":21,"start":1129.5951,"end":1140.975},{"sentences":[{"text":"Yeah.","start":1144.36,"end":1144.84,"sentiment":"neutral","sentiment_score":0.026207873597741127},{"text":"And lastly, with beneficiary nominations, there's two types.","start":1144.84,"end":1149.24,"sentiment":"neutral","sentiment_score":0.015560717787593603},{"text":"There's a non lapsing and a lapsing.","start":1149.24,"end":1151.1799,"sentiment":"neutral","sentiment_score":0.001760084880515933},{"text":"Basically, the the the difference being is the non lapsing means that your beneficiary nomination will stay in place until such a time that you lodge a new form to replace it.","start":1151.72,"end":1163.4451,"sentiment":"neutral","sentiment_score":0.026246508117765188},{"text":"A binding means that it's you just need to review it and lodge a new form every three years.","start":1163.745,"end":1170.1699,"sentiment":"neutral","sentiment_score":0.030510519778257923}],"sentiment":"neutral","sentiment_score":0.0236209305316043,"num_words":67,"start":1144.36,"end":1170.1699},{"sentences":[{"text":"What would be your preference?","start":1170.1699,"end":1171.47,"sentiment":"neutral","sentiment_score":0.011370207369327544},{"text":"Yeah.","start":1174.25,"end":1174.73,"sentiment":"neutral","sentiment_score":0.06865298748016357},{"text":"Yep.","start":1174.73,"end":1175.13,"sentiment":"neutral","sentiment_score":0.10061369836330414},{"text":"No worries at all.","start":1175.13,"end":1176.4299,"sentiment":"neutral","sentiment_score":0.13858148083090782},{"text":"That's about it for me.","start":1178.33,"end":1180.01,"sentiment":"neutral","sentiment_score":0.2617270708084106}],"sentiment":"neutral","sentiment_score":0.13056743750348687,"num_words":16,"start":1170.1699,"end":1180.01},{"sentences":[{"text":"It was a very a very quick review.","start":1180.01,"end":1181.87,"sentiment":"positive","sentiment_score":0.40572166815400124},{"text":"Do you have any questions for me?","start":1182.705,"end":1184.565,"sentiment":"neutral","sentiment_score":0.11571380815335683},{"text":"No?","start":1186.865,"end":1187.365,"sentiment":"neutral","sentiment_score":-0.06546427309513092},{"text":"Fantastic.","start":1188.625,"end":1189.125,"sentiment":"neutral","sentiment_score":0.2645893096923828},{"text":"So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids.","start":1189.505,"end":1199.38,"sentiment":"neutral","sentiment_score":0.0786950899974296}],"sentiment":"neutral","sentiment_score":0.1597250485792756,"num_words":36,"start":1180.01,"end":1199.38},{"sentences":[{"text":"And I'm gonna send you through a...","start":1200.32,"end":1202.5,"sentiment":"neutral","sentiment_score":0.07329870015382767},{"text":"An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments.","start":1202.64,"end":1211.905,"sentiment":"neutral","sentiment_score":0.07965244655497372},{"text":"No action is required on your behalf.","start":1212.525,"end":1215.025,"sentiment":"neutral","sentiment_score":-0.08098154036062104},{"text":"We will make those changes for you.","start":1217.405,"end":1219.905,"sentiment":"neutral","sentiment_score":0.2826933626617704},{"text":"And once I've got some further information from Rest in relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make.","start":1220.0,"end":1238.865,"sentiment":"neutral","sentiment_score":0.13204496267896432}],"sentiment":"neutral","sentiment_score":0.11034093230732323,"num_words":97,"start":1200.32,"end":1238.865},{"sentences":[{"text":"Oh, how nice is that?","start":1246.51,"end":1247.5499,"sentiment":"positive","sentiment_score":0.5108060657978057},{"text":"Where are you off to?","start":1247.5499,"end":1248.69,"sentiment":"neutral","sentiment_score":0.11008792072534561},{"text":"Mhmm.","start":1261.47,"end":1261.845,"sentiment":"neutral","sentiment_score":0.032040439546108246},{"text":"That's absolutely fine.","start":1275.205,"end":1276.825,"sentiment":"positive","sentiment_score":0.4499143759409587},{"text":"The the changes to that investment portfolio will happen anyway.","start":1277.8,"end":1281.9,"sentiment":"neutral","sentiment_score":0.20732263028621672}],"sentiment":"neutral","sentiment_score":0.27331165845195454,"num_words":24,"start":1246.51,"end":1281.9},{"sentences":[{"text":"We'll make sure that they're in place.","start":1281.9601,"end":1283.56,"sentiment":"neutral","sentiment_score":0.18295771947928838},{"text":"You'll just get an email for your records.","start":1283.56,"end":1285.5801,"sentiment":"neutral","sentiment_score":0.11580180656164885},{"text":"And then anything after that, it it can take up to about ten business days to even get some information from rest.","start":1287.16,"end":1294.285,"sentiment":"neutral","sentiment_score":0.03688058087771589},{"text":"So, look, there's no urgency.","start":1294.585,"end":1296.685,"sentiment":"neutral","sentiment_score":0.015395142883062363},{"text":"We can make sure that you're contacted after that.","start":1296.985,"end":1300.045,"sentiment":"neutral","sentiment_score":0.05314447730779648}],"sentiment":"neutral","sentiment_score":0.07007386820281253,"num_words":51,"start":1281.9601,"end":1300.045},{"sentences":[{"text":"So the honeymoon.","start":1300.265,"end":1301.465,"sentiment":"neutral","sentiment_score":0.025334474941094715},{"text":"So did you guys just get married?","start":1301.465,"end":1303.165,"sentiment":"neutral","sentiment_score":-0.0006948717470679967},{"text":"Oh, congratulate.","start":1308.09,"end":1308.83,"sentiment":"neutral","sentiment_score":0.09911703318357468},{"text":"Congratulations.","start":1310.57,"end":1311.07,"sentiment":"neutral","sentiment_score":0.1191728338599205},{"text":"Yeah.","start":1311.85,"end":1312.35,"sentiment":"neutral","sentiment_score":0.12935160100460052}],"sentiment":"neutral","sentiment_score":0.0369927017018199,"num_words":14,"start":1300.265,"end":1312.35},{"sentences":[{"text":"Yeah.","start":1320.73,"end":1321.23,"sentiment":"neutral","sentiment_score":-0.00012123584747314452},{"text":"Well, enjoy your time away.","start":1322.725,"end":1324.345,"sentiment":"neutral","sentiment_score":0.2458690196275711},{"text":"And, yeah, I'll I'll look...","start":1324.405,"end":1328.985,"sentiment":"neutral","sentiment_score":0.059247353672981264},{"text":"And that's absolutely fine.","start":1334.885,"end":1336.085,"sentiment":"neutral","sentiment_score":0.3041434809565544},{"text":"I'll make a note of that.","start":1336.085,"end":1337.34,"sentiment":"neutral","sentiment_score":0.20076930274566016}],"sentiment":"neutral","sentiment_score":0.18793573195026034,"num_words":21,"start":1320.73,"end":1337.34},{"sentences":[{"text":"Alright.","start":1338.62,"end":1338.94,"sentiment":"neutral","sentiment_score":0.05675213038921356},{"text":"Well, thank you, and enjoy your your honeymoon.","start":1338.94,"end":1341.76,"sentiment":"positive","sentiment_score":0.8046481385827065},{"text":"And be safe and travel safe, and we'll speak to you soon.","start":1343.4199,"end":1346.08,"sentiment":"positive","sentiment_score":0.5361368854840597},{"text":"Thank you.","start":1347.98,"end":1348.7999,"sentiment":"positive","sentiment_score":0.6970306932926178},{"text":"Bye.","start":1349.1799,"end":1349.6799,"sentiment":"neutral","sentiment_score":-0.11177942901849748}],"sentiment":"positive","sentiment_score":0.59207757593443,"num_words":24,"start":1338.62,"end":1349.6799}]}}]},{"alternatives":[{"transcript":"Hello. Josh speaking. Hey. Yourself? Yep. Hi, Joshua. Brian. 5th Is 3rd 1992. 26 Bradman Street, Wilma. Yeah. Yeah. Yeah. That's what I can. You know, I didn't think of that. So I couldn't remember if it's a two buffalo lineup. Yeah. Yeah. It's COVID. No. It's COVID. Yeah. I went to hell. Well, just to change a job, but not... Other than that, not really. Yeah. Still the same. Yeah. Well, if someone knew it's me, I'll tell you I'm back in Charlotte again. Back in Charlotte. Charlotte, No. I think it's up. I'll have to double check, but, yeah, it sounds a bit right. Yep. Yep. No. Not at the moment, but I will be soon. If I go ahead, I'll give you the ring. Excuse me. Yep. Yep. Yeah. There is this I'd say probably about 15 or 16,000 left on it. Yeah. Yeah. You'll have to add another one because I bought another one. No. On the same one, I bought another Suzuki, but it's a bigger one. It's a 650 cc one. Yeah. Probably been going great. Man, I owe it out. Right? Oh, it's a 200. So when I started off small and then once I got my bike license, I bought a bigger one. No. Yep. No. Changed to... Well, the message changed it to... What's it called? Qantas Well-being or whatever it is. No. Not yet. That's something I'm gonna do. No. We're still working on that. Yep. I think it's not next year or halfway through next year. Between now and the end of the day next year sometime. No. Not yet. Not yet. I've just been... We're just been saving. So... Well, off the top of my head, probably $20. Yes. Yep. Yeah. I'll probably won't retire when I'm 65, but we'll give... We'll see when the time comes, I reckon. It's just probably me work ethics on... Yeah. Probably probably some... Yeah. Pretty much. Well, I just... Grow it. So when it does time... Come time to retire, I've got some money there and me super to... If I need it. Yeah. They're they're the they're the main ones because when I set this up, the life insurance I've got with them, you just couldn't compete with what I had with them. No. Well, we can review that next year if you want. It's right for now. If either you're part of pulling out more information, then, yeah, we can talk get together next year. Yeah. Yeah. That'll be good. Yep. Yeah. That's fine. Yep. Mhmm. Yep. Yeah. Give me a sec. Yeah. Yep. Yes. Yeah. That's fine. Yep. Yes. Yep. Yeah. Yep. Yep. It's a road from you. Yes. Yep. Oh, yes. Yep. So I can do that. Yeah. That'd be good. It'll be the wife. So that'll be m... Yeah. Yeah. Yeah. She should've changed her name, but I don't think she did. Yep. Yeah. No. Probably the first one. No. Not at all. I'm happy to hear everything's going. Yep. Got it. Mhmm. Yep. So I'll just let you know now. Today is me last day at work. I'm going on three weeks holiday. We're going to Bali for the honeymoon. So I'm fly out Friday at I'll fly to Brisbane tomorrow and then fly out Friday at, I think, 06:30 in the morning. But I get back into Australia on the twenty seventh. So I've done all the time on the place, and so if you need to contact me, any... From the twenty eighth onwards, I'll be back in the country. Yep. Yeah. Yeah. Yeah. Like, fuck. Two months ago. 20 second of August. So what's that? Two months? Thank you. Yeah. So we're going to go straight after the wedding, but, yeah, that kinda blew it out till the wedding blew it out. But, anyway, so we're going now. But... Yeah. If we... Like I said, if you need to contact me, I'll be in... I can return anywhere after the twenty eighth, I'll be available. No worries. Thank 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Josh speaking. Hey. Yourself? Yep.\n\nHi, Joshua. Brian. 5th Is 3rd 1992. 26 Bradman Street, Wilma. Yeah.\n\nYeah. Yeah. That's what I can. You know, I didn't think of that. So I couldn't remember if it's a two buffalo lineup.\n\nYeah. Yeah. It's COVID. No. It's COVID.\n\nYeah. I went to hell. Well, just to change a job, but not... Other than that, not really. Yeah.\n\nStill the same. Yeah. Well, if someone knew it's me, I'll tell you I'm back in Charlotte again. Back in Charlotte. Charlotte, No.\n\nI think it's up. I'll have to double check, but, yeah, it sounds a bit right. Yep. Yep. No.\n\nNot at the moment, but I will be soon. If I go ahead, I'll give you the ring. Excuse me. Yep. Yep.\n\nYeah. There is this I'd say probably about 15 or 16,000 left on it. Yeah. Yeah. You'll have to add another one because I bought another one.\n\nNo. On the same one, I bought another Suzuki, but it's a bigger one. It's a 650 cc one. Yeah. Probably been going great.\n\nMan, I owe it out. Right? Oh, it's a 200. So when I started off small and then once I got my bike license, I bought a bigger one. No.\n\nYep. No. Changed to... Well, the message changed it to... What's it called?\n\nQantas Well-being or whatever it is. No. Not yet. That's something I'm gonna do. No.\n\nWe're still working on that. Yep. I think it's not next year or halfway through next year. Between now and the end of the day next year sometime. No.\n\nNot yet. Not yet. I've just been... We're just been saving. So...\n\nWell, off the top of my head, probably $20. Yes. Yep. Yeah. I'll probably won't retire when I'm 65, but we'll give...\n\nWe'll see when the time comes, I reckon. It's just probably me work ethics on... Yeah. Probably probably some... Yeah.\n\nPretty much. Well, I just... Grow it. So when it does time... Come time to retire, I've got some money there and me super to...\n\nIf I need it. Yeah. They're they're the they're the main ones because when I set this up, the life insurance I've got with them, you just couldn't compete with what I had with them. No. Well, we can review that next year if you want.\n\nIt's right for now. If either you're part of pulling out more information, then, yeah, we can talk get together next year. Yeah. Yeah. That'll be good.\n\nYep. Yeah. That's fine. Yep. Mhmm.\n\nYep. Yeah. Give me a sec. Yeah. Yep.\n\nYes. Yeah. That's fine. Yep. Yes.\n\nYep. Yeah. Yep. Yep. It's a road from you.\n\nYes. Yep. Oh, yes. Yep. So I can do that.\n\nYeah. That'd be good. It'll be the wife. So that'll be m... Yeah.\n\nYeah. Yeah. She should've changed her name, but I don't think she did. Yep. Yeah.\n\nNo. Probably the first one. No. Not at all. I'm happy to hear everything's going.\n\nYep. Got it. Mhmm. Yep. So I'll just let you know now.\n\nToday is me last day at work. I'm going on three weeks holiday. We're going to Bali for the honeymoon. So I'm fly out Friday at I'll fly to Brisbane tomorrow and then fly out Friday at, I think, 06:30 in the morning. But I get back into Australia on the twenty seventh.\n\nSo I've done all the time on the place, and so if you need to contact me, any... From the twenty eighth onwards, I'll be back in the country. Yep. Yeah. Yeah.\n\nYeah. Like, fuck. Two months ago. 20 second of August. So what's that?\n\nTwo months? Thank you. Yeah. So we're going to go straight after the wedding, but, yeah, that kinda blew it out till the wedding blew it out. But, anyway, so we're going now.\n\nBut... Yeah. If we... Like I said, if you need to contact me, I'll be in... I can return anywhere after the twenty eighth, I'll be available.\n\nNo worries. Thank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.045982904732227325},{"text":"Josh speaking.","start":1.36,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.04350096732378006},{"text":"Hey.","start":7.44,"end":7.68,"sentiment":"neutral","sentiment_score":0.16170188784599304},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.17392919957637787},{"text":"Yep.","start":23.715,"end":24.215,"sentiment":"neutral","sentiment_score":0.04801798611879349}],"sentiment":"neutral","sentiment_score":0.08610565215349197,"num_words":6,"start":0.96,"end":24.215},{"sentences":[{"text":"Hi, Joshua.","start":24.675,"end":25.314999,"sentiment":"neutral","sentiment_score":0.047210242599248886},{"text":"Brian.","start":25.314999,"end":25.715,"sentiment":"neutral","sentiment_score":0.040829919278621674},{"text":"5th Is 3rd 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ago.","start":1306.375,"end":1307.4349,"sentiment":"neutral","sentiment_score":-0.24065140386422476},{"text":"20 second of August.","start":1307.895,"end":1309.1749,"sentiment":"neutral","sentiment_score":0.07764271833002567},{"text":"So what's that?","start":1309.1749,"end":1310.41,"sentiment":"neutral","sentiment_score":0.056800382832686104}],"sentiment":"neutral","sentiment_score":-0.11073164297984196,"num_words":13,"start":1304.215,"end":1310.41},{"sentences":[{"text":"Two months?","start":1310.41,"end":1311.75,"sentiment":"neutral","sentiment_score":0.09695254266262054},{"text":"Thank you.","start":1312.09,"end":1312.73,"sentiment":"neutral","sentiment_score":0.2051895558834076},{"text":"Yeah.","start":1312.73,"end":1313.05,"sentiment":"neutral","sentiment_score":0.022933712229132652},{"text":"So we're going to go straight after the wedding, but, yeah, that kinda blew it out till the wedding blew it out.","start":1313.05,"end":1319.21,"sentiment":"neutral","sentiment_score":-0.18185587930069727},{"text":"But, anyway, so we're going now.","start":1319.21,"end":1321.55,"sentiment":"neutral","sentiment_score":-0.015581252984702587}],"sentiment":"neutral","sentiment_score":-0.10506360464249596,"num_words":33,"start":1310.41,"end":1321.55},{"sentences":[{"text":"But...","start":1327.045,"end":1327.285,"sentiment":"neutral","sentiment_score":0.04197779297828674},{"text":"Yeah.","start":1327.285,"end":1327.785,"sentiment":"neutral","sentiment_score":0.02074578031897545},{"text":"If we...","start":1327.8451,"end":1328.405,"sentiment":"neutral","sentiment_score":0.00722492067143321},{"text":"Like I said, if you need to contact me, I'll be in...","start":1328.405,"end":1330.405,"sentiment":"neutral","sentiment_score":0.026017838157713413},{"text":"I can return anywhere after the twenty eighth, I'll be available.","start":1330.405,"end":1334.025,"sentiment":"neutral","sentiment_score":0.11780388450080698}],"sentiment":"neutral","sentiment_score":0.062415933408946904,"num_words":27,"start":1327.045,"end":1334.025},{"sentences":[{"text":"No worries.","start":1346.3301,"end":1346.81,"sentiment":"positive","sentiment_score":0.3675844669342041},{"text":"Thank you.","start":1346.81,"end":1347.55,"sentiment":"positive","sentiment_score":0.7147606015205383}],"sentiment":"positive","sentiment_score":0.5411725342273712,"num_words":4,"start":1346.3301,"end":1347.55}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Josh speaking.\n\nChannel 0: Hi, Josh. This is Jenniferning from Oakview Financial. How are you today?\n\nChannel 1: Hey. Yourself?\n\nChannel 0: I'm well. Thank you. Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you.\n\nAnd, Josh, can I please ask you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Hi, Joshua. Brian. 5th Is 3rd 1992. 26 Bradman Street, Wilma.\n\nChannel 0: Thank you for that, Josh. Before I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time?\n\nChannel 1: Yeah.\n\nChannel 0: Nah. You're good?\n\nChannel 1: Yeah. Yeah. That's what I can.\n\nChannel 0: Okay. Alright. The purpose of my call is I'm phoning to complete your scheduled and your review. Do you still have time to do that today?\n\nChannel 1: You know, I didn't think of that. So I couldn't remember if it's a two buffalo lineup.\n\nChannel 0: Yeah. 02:00 today.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: can...\n\nChannel 1: It's COVID.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Is\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: COVID.\n\nChannel 0: okay?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I went to\n\nChannel 0: Good.\n\nChannel 1: hell.\n\nChannel 0: Alright. Lovely. Alright. Well, I will jump straight into it for you. I would just like to start by checking in with you and seeing if there's been any significant changes to your personal or financial situation since your last review.\n\nChannel 1: Well, just to change a job, but not... Other than that, not really.\n\nChannel 0: Yeah. So we had your job down previously as a truck driver. Is that still the same?\n\nChannel 1: Yeah. Still the same. Yeah.\n\nChannel 0: Just company? Yep. So what's your new employer's name?\n\nChannel 1: Well, if someone knew it's me, I'll tell you I'm back in Charlotte again.\n\nChannel 0: You're sorry?\n\nChannel 1: Back in Charlotte.\n\nChannel 0: College. Okay. Yeah. Is there... And then their name?\n\nChannel 1: Charlotte,\n\nChannel 0: Yeah. Okay. Alright. So with your income, we had that down at a 160,000. Is that correct still?\n\nChannel 1: No. I think it's up. I'll have to double check, but, yeah, it sounds a bit right.\n\nChannel 0: Sounds about right. So you get super on top of that amount.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And we had your expenditure at about a thousand dollars a week and your savings at about $1,000 a week. Does that also sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Oh, wonderful. Are you making any additional contributions to Super?\n\nChannel 1: No. Not at the moment, but I will be soon.\n\nChannel 0: Yeah. Did you want me to look at that for you, make any recommendations on that?\n\nChannel 1: If I go ahead, I'll give you the ring.\n\nChannel 0: Okay.\n\nChannel 1: Excuse me.\n\nChannel 0: No. You're alright. Alright. I have here just assets and liabilities. I've got a car valued at 15,000.\n\nWould that still be correct?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And a camper trailer at 40,000?\n\nChannel 1: Yep.\n\nChannel 0: Is there any debt attached to that camper trailer?\n\nChannel 1: Yeah. There is this I'd say probably about 15 or 16,000 left on it.\n\nChannel 0: Okay. Thank you. And a motorbike here of 6,000. Is that still...\n\nChannel 1: Yeah. Yeah. You'll have to\n\nChannel 0: Yeah.\n\nChannel 1: add another one because I bought another one.\n\nChannel 0: Oh, lovely. What kind?\n\nChannel 1: No. On the same one, I bought another Suzuki, but it's a bigger one. It's a 650 cc one.\n\nChannel 0: Oh, okay. They're the part.\n\nChannel 1: Yeah.\n\nChannel 0: That's getting fast. Okay. How... And what's that valued at?\n\nChannel 1: Probably been going great.\n\nChannel 0: Yeah. Any debt on that one?\n\nChannel 1: Man, I owe it out. Right?\n\nChannel 0: Yeah. Okay. That's fine. And what's the other Suzuki?\n\nChannel 1: Oh, it's a 200. So when I started off small and then once I got\n\nChannel 0: Okay.\n\nChannel 1: my bike license, I bought a bigger one.\n\nChannel 0: Yeah. Yeah. My husband's all about bikes, so I know them well. Alright. Any other assets and liabilities, property, savings, investments?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Okay. And I have you here as a smoker approximately ten a day. Is that right?\n\nYeah. And you have asthma and take a preventer and a puffer also?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you have private health insurance with AHM?\n\nChannel 1: No. Changed to... Well, the message changed it to... What's it called? Qantas Well-being or whatever it is.\n\nChannel 0: Yep. Okay. And do you have a will or power of attorney?\n\nChannel 1: No. Not yet. That's something I'm gonna\n\nChannel 0: No.\n\nChannel 1: do.\n\nChannel 0: Yeah. Okay. Lovely. Just circling back to your goals and objectives, I just wanna double check with you. Previously, on...\n\nFrom your last review, you were saving for a house deposit. Is that something you're still working towards?\n\nChannel 1: No. We're still working on that.\n\nChannel 0: Okay. Do you have any clear plans on when you would like to purchase a home?\n\nChannel 1: Yep. I think it's not next year or halfway through next year. Between now\n\nChannel 0: Okay.\n\nChannel 1: and the end of the day next year sometime.\n\nChannel 0: Okay. And have you spoke to a broker or anything to\n\nChannel 1: No.\n\nChannel 0: understand?\n\nChannel 1: Not yet.\n\nChannel 0: No?\n\nChannel 1: Not yet. I've just been... We're just been saving.\n\nChannel 0: Yep. Okay. How much do you\n\nChannel 1: So...\n\nChannel 0: have saved?\n\nChannel 1: Well, off the top of my head, probably $20.\n\nChannel 0: Yep. Okay. Lovely. We do have brokers that we work with. So if there is some...\n\nChannel 1: Yes.\n\nChannel 0: When it does come a time, we can refer you onto somebody who can help you if you like.\n\nChannel 1: Yep.\n\nChannel 0: With retirement goals, pretty brief here given that you still got plenty of time before retirement. But you said retire age 65 with $1,500 per week debt free, and you'd like to travel around Australia. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: correct?\n\nChannel 1: I'll probably won't retire when I'm 65, but we'll give... We'll see when the time comes, I reckon.\n\nChannel 0: Yeah. Do you think that's financially or a personal reason?\n\nChannel 1: It's just probably me work ethics on... Yeah.\n\nChannel 0: Yeah. Like\n\nChannel 1: Probably\n\nChannel 0: to be busy?\n\nChannel 1: probably some... Yeah. Pretty much.\n\nChannel 0: Yeah. I can understand that. Okay. With your superannuation at the moment, what are you what are your goals with it long term? Like, are you are you looking for growth?\n\nWhat is it that you're hoping to achieve with your super? What's important to\n\nChannel 1: Well, I\n\nChannel 0: you?\n\nChannel 1: just... Grow it. So when it does time... Come time to retire, I've got some money there and me super to... If I need it.\n\nChannel 0: Yep. Okay. Fantastic. And I also note that insurance wise, you've got some insurance with Rest Super.\n\nChannel 1: Yeah. They're they're the they're the main ones because when\n\nChannel 0: Yeah.\n\nChannel 1: I set this up, the life insurance I've got with them, you just couldn't compete with what I had with them.\n\nChannel 0: Yeah. Yep. So group cover... What group cover is is what you've got now. So that covers you, and it's essentially unitized.\n\nSo each year, I'd need to look into it a little bit further. But each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting. So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date details.\n\nChannel 1: No.\n\nChannel 0: But, yeah, that... So your insurance at the moment, are you satisfied with the way it's set up or... And the way the levels of cover, which I can I can go through shortly with you for the time for the time being, or is? Are you wanting to review that?\n\nChannel 1: Well, we can review that next year if you want. It's right\n\nChannel 0: Okay.\n\nChannel 1: for now.\n\nChannel 0: Okay.\n\nChannel 1: If either you're part of pulling out more information, then, yeah, we can talk\n\nChannel 0: Yeah.\n\nChannel 1: get\n\nChannel 0: Fantastic. We can do that.\n\nChannel 1: together next\n\nChannel 0: And\n\nChannel 1: year.\n\nChannel 0: estate planning wise with the Wilson Power of Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that? It's very competitive\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: compared\n\nChannel 1: That'll be\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: what's out there, and we\n\nChannel 1: Yep.\n\nChannel 0: can send that through so you can have a a look at that, you and your partners, see if that's something that you wanna go down that path.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Alright. Josh, what I'm gonna do now is I'm gonna send... Do you have access to your emails at all?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. I'm gonna send you a email that will have our review pack in it for you.\n\nChannel 1: Mhmm.\n\nChannel 0: It... We're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign. And if you click sign here, there's a button that's like DocuSign. You're not signing anything at the moment. It's just that we're gonna talk through the documents before you have the ability to do so.\n\nChannel 1: Yep.\n\nChannel 0: So if you just let me know when you got those documents open, we can start on that.\n\nChannel 1: Yeah. Give me a sec.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. Okay. So the first page is a summary of your super and insurance. So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out. The rest insurance is life covers at 363,500, TPD 71,500.\n\nWith your\n\nChannel 1: Yep.\n\nChannel 0: income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period. So we're gonna get some additional research and just check that balance within\n\nChannel 1: Yes.\n\nChannel 0: rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market. The next document over is your twelve month performance report with Hub. This document, first thing I'd like to draw your attention to is the top investment option, the Benelong Australian Equities Fund that is under... That has underperformed the last twelve months, which you will see. And it's due to their investment philosophy rather than the actual Australian share market.\n\nAnd the reason being is that Bennelong is an active manager. So their their philosophy is that they identify undervalued companies in the Australian share market for growth opportunities. So the last twelve months saw the financial sectors and the resource sectors really grow in the Australian share market. So the Bennelong mandate... Investment mandate wasn't fulfilled.\n\nSo as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals. So if you're comfortable with that, that's something I'd like to do.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. The second the second option down is the Beta Bank hybrid ETF. That is a... There's nothing wrong with that investment. It's just that the banking system in Australia is phasing out those investment options from January 2027.\n\nWhat I would like to do is be a little bit more proactive with that approach and look at options and alternatives now as I don't know what that's gonna be replaced with come that time.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Alright. Lovely. The next docu... So over the last twelve months, sorry, after fees, so your net return was 1.87%, and that's been highly impacted due to that Bennelong Fund.\n\nSo what we've done is provided you with a six month performance report, which is the next document across. And you'll see even though the Benelong Australian Equities Fund has turned around and is performing positively now, due to the systemic ongoing underperformance, we're still not comfortable holding that in our client's portfolio. So\n\nChannel 1: Yes.\n\nChannel 0: we are still looking to replace. So the last six month return net of fees is now back at around 7.63%. So it is the the portfolio is turning around. It's just not something that we will keep in the portfolio due to the systemic nature of that investment. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Lovely. The next document across is the Vanguard index chart. This is just a little document that I do like to go through with clients just to discuss their risk profile. You are currently invested as a growth investor, which means that what we do is we typically see approximately 80% of your funds in those top four investments being US shares, Australian shares, international shares, and listed property,\n\nChannel 1: Yep.\n\nChannel 0: and the remaining 20% in your your bonds and your cash, so your defensive part of the portfolio. With a gross portfolio, we do expect to see an average annual return of between seven to 9% per annum, but one in every five years at least being a negative year on average, statistically, and with a minimum time frame of investment for six years. So if we're looking at this from a super perspective, you have twenty six years before you can access your superannuation from a legislative perspective based on current legislation. So why it is a minimum time frame of six years is to with stand the market volatility. So as that pay...\n\nAs that document shows, all the dips and the the ups and downs, the six year time frame is to help you recover from a a significant dip.\n\nChannel 1: Yep.\n\nChannel 0: Are are you comfortable maintaining that approach to your\n\nChannel 1: It's\n\nChannel 0: superannuation investment, or would you like to talk about alternatives?\n\nChannel 1: a road from you.\n\nChannel 0: Yeah? Okay. Thank you. The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC. It explains\n\nChannel 1: Yes.\n\nChannel 0: the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process.\n\nChannel 1: Yep.\n\nChannel 0: The next document, two more to go. This is your consent to continue as a client for the next twelve months. It is a fixed... It is... It's a percent based fee of 1.1 up to a balance of 600,000.\n\nSo when this document was generated, it is estimated to be $935.42 per annum, and that is paid monthly. Not the 900, the the... That's 1.1% paid monthly of your balance when it's calculated. The ongoing fee covers your annual reviews. If, for example, you mentioned if you wanted to go ahead with making contributions to super, you'd you'd contact us.\n\nThat's all included in your ongoing service.\n\nChannel 1: Oh, yes.\n\nChannel 0: Yep. So if you want to continue receiving advice from Okty, you do... I do ask that you sign that one in return. And then the last document also is the authorization to collect information. So that's the document I was referring to earlier in relation to\n\nChannel 1: Yep.\n\nChannel 0: us getting some updated information from rest. We just need you to sign that so we can send it off to rest and get some updated information. Yeah.\n\nChannel 1: So I can do\n\nChannel 0: So\n\nChannel 1: that.\n\nChannel 0: lovely. The only other thing I will mention, Josh, is that currently on your Hub 24... Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination. Did you want me to send out a form to arrange that for you?\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Yeah. Can you tell me who your beneficiary would be?\n\nChannel 1: It'll be the wife.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Is\n\nChannel 1: that'll\n\nChannel 0: that\n\nChannel 1: be\n\nChannel 0: Amber?\n\nChannel 1: m... Yeah.\n\nChannel 0: Yep. Does... I've got her here at the moment as Amber Smith. Does... Is she Amber Denham now?\n\nChannel 1: Yeah. Yeah. She should've changed her name, but I don't think she did.\n\nChannel 0: Okay. And she's at the same address as you. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And would it be a 100% to Amber?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And lastly, with beneficiary nominations, there's two types. There's a non lapsing and a lapsing. Basically, the the the difference being is the non lapsing means that your beneficiary nomination will stay in place until such a time that you lodge a new form to replace it. A binding means that it's you just need to review it and lodge a new form every three years.\n\nWhat would be your preference?\n\nChannel 1: No. Probably the first one.\n\nChannel 0: Yeah. Yep. No worries at all. That's about it for me. It was a very a very quick review.\n\nDo you have any questions for me?\n\nChannel 1: No. Not at all. I'm happy to hear everything's\n\nChannel 0: No?\n\nChannel 1: going.\n\nChannel 0: Fantastic. So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids. And I'm gonna send you through a... An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments. No\n\nChannel 1: Yep.\n\nChannel 0: action is required on your behalf. We will make those changes for you. And once\n\nChannel 1: Got\n\nChannel 0: I've\n\nChannel 1: it.\n\nChannel 0: got some further information from Rest in relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make.\n\nChannel 1: Mhmm. Yep. So I'll just let you know now. Today is me last day at work. I'm going on three weeks holiday.\n\nChannel 0: Oh, how nice is that? Where are you off to?\n\nChannel 1: We're going to Bali for the honeymoon. So I'm fly out Friday at I'll fly to Brisbane tomorrow and then fly out Friday at, I think, 06:30 in the morning. But\n\nChannel 0: Mhmm.\n\nChannel 1: I get back into Australia on the twenty seventh. So I've done all the time on the place, and so if you need to contact me, any... From the twenty eighth onwards, I'll be back in the country.\n\nChannel 0: That's absolutely fine. The the changes to that investment portfolio will happen anyway. We'll make sure that they're in place. You'll just get an email for your records.\n\nChannel 1: Yep.\n\nChannel 0: And then anything after that, it it can take up to about ten business days to even get some information from rest. So, look, there's no urgency. We\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: make sure that you're contacted after that. So the honeymoon. So did you guys just get married?\n\nChannel 1: Yeah. Like, fuck. Two months ago. 20\n\nChannel 0: Oh,\n\nChannel 1: second\n\nChannel 0: congratulate.\n\nChannel 1: of August. So what's that? Two\n\nChannel 0: Congratulations.\n\nChannel 1: months?\n\nChannel 0: Yeah.\n\nChannel 1: Thank you. Yeah. So we're going to go straight after the wedding, but, yeah, that kinda blew it out till the wedding blew it out. But, anyway, so we're going\n\nChannel 0: Yeah.\n\nChannel 1: now.\n\nChannel 0: Well, enjoy your time away. And, yeah, I'll\n\nChannel 1: But... Yeah.\n\nChannel 0: I'll\n\nChannel 1: If we... Like\n\nChannel 0: look...\n\nChannel 1: I said, if you need to contact me, I'll be in... I can return anywhere after the twenty eighth, I'll be available.\n\nChannel 0: And that's absolutely fine. I'll make a note of that. Alright. Well, thank you, and enjoy your your honeymoon. And be safe and travel safe, and we'll speak to you soon.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.045982904732227325},{"text":"Josh speaking.","start":1.36,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.04350096732378006}],"sentiment":"neutral","sentiment_score":0.04432827979326248,"channel":1,"num_words":3,"start":0.96,"end":2.1799998},{"sentences":[{"text":"Hi, Josh.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.27760758996009827},{"text":"This is Jenniferning from Oakview Financial.","start":3.6,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.30997346838315326},{"text":"How are you today?","start":5.92,"end":6.98,"sentiment":"positive","sentiment_score":0.3421771228313446}],"sentiment":"neutral","sentiment_score":0.31531370679537457,"channel":0,"num_words":12,"start":2.8799999,"end":6.98},{"sentences":[{"text":"Hey.","start":7.44,"end":7.68,"sentiment":"neutral","sentiment_score":0.16170188784599304},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.17392919957637787}],"sentiment":"neutral","sentiment_score":0.16781554371118546,"channel":1,"num_words":2,"start":7.44,"end":8.18},{"sentences":[{"text":"I'm well.","start":8.88,"end":9.44,"sentiment":"positive","sentiment_score":0.4025218337774277},{"text":"Thank you.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.6074616312980652},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":9.92,"end":15.485,"sentiment":"neutral","sentiment_score":0.10465907062525334},{"text":"Is that okay?","start":15.485,"end":16.384998,"sentiment":"neutral","sentiment_score":0.12721067667007446},{"text":"Thank you.","start":18.285,"end":19.025,"sentiment":"neutral","sentiment_score":0.32440830767154694}],"sentiment":"neutral","sentiment_score":0.1705491937464103,"channel":0,"num_words":32,"start":8.88,"end":19.025},{"sentences":[{"text":"And, Josh, can I please ask you to confirm your full name, date of birth, and address, please?","start":19.085,"end":23.904999,"sentiment":"neutral","sentiment_score":0.09143624289168252}],"sentiment":"neutral","sentiment_score":0.09143624289168252,"channel":0,"num_words":18,"start":19.085,"end":23.904999},{"sentences":[{"text":"Yep.","start":23.715,"end":24.215,"sentiment":"neutral","sentiment_score":0.04801798611879349},{"text":"Hi, Joshua.","start":24.675,"end":25.314999,"sentiment":"neutral","sentiment_score":0.047210242599248886},{"text":"Brian.","start":25.314999,"end":25.715,"sentiment":"neutral","sentiment_score":0.040829919278621674},{"text":"5th Is 3rd 1992.","start":25.715,"end":27.555,"sentiment":"neutral","sentiment_score":0.03282704949378967},{"text":"26 Bradman Street, Wilma.","start":27.555,"end":29.494999,"sentiment":"neutral","sentiment_score":0.04332040809094906}],"sentiment":"neutral","sentiment_score":0.04065485174457232,"channel":1,"num_words":12,"start":23.715,"end":29.494999},{"sentences":[{"text":"Thank you for that, Josh.","start":30.54,"end":32.08,"sentiment":"positive","sentiment_score":0.5378784716129303},{"text":"Before I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time?","start":32.86,"end":42.325,"sentiment":"neutral","sentiment_score":0.13452968990494465}],"sentiment":"neutral","sentiment_score":0.19384568721494255,"channel":0,"num_words":34,"start":30.54,"end":42.325},{"sentences":[{"text":"Yeah.","start":42.489998,"end":42.989998,"sentiment":"neutral","sentiment_score":0.057973410934209824}],"sentiment":"neutral","sentiment_score":0.057973410934209824,"channel":1,"num_words":1,"start":42.489998,"end":42.989998},{"sentences":[{"text":"Nah.","start":43.745,"end":43.905,"sentiment":"neutral","sentiment_score":0.07933901250362396},{"text":"You're 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Super.","start":447.91998,"end":456.98502,"sentiment":"neutral","sentiment_score":0.16616098263434}],"sentiment":"neutral","sentiment_score":0.20277169215328553,"channel":0,"num_words":17,"start":442.125,"end":456.98502},{"sentences":[{"text":"Yeah.","start":458.155,"end":458.395,"sentiment":"neutral","sentiment_score":0.055702291429042816},{"text":"They're they're the they're the main ones because when","start":458.395,"end":461.275,"sentiment":"neutral","sentiment_score":0.05133493658569124}],"sentiment":"neutral","sentiment_score":0.0517716720700264,"channel":1,"num_words":10,"start":458.155,"end":461.275},{"sentences":[{"text":"Yeah.","start":461.20502,"end":461.70502,"sentiment":"neutral","sentiment_score":0.030076252296566963}],"sentiment":"neutral","sentiment_score":0.030076252296566963,"channel":0,"num_words":1,"start":461.20502,"end":461.70502},{"sentences":[{"text":"I set this up, the life insurance I've got with them, you just couldn't compete with what I had with 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unitized.","start":475.68,"end":479.86002,"sentiment":"neutral","sentiment_score":0.04157214006409049}],"sentiment":"neutral","sentiment_score":0.026961233593862165,"channel":0,"num_words":22,"start":471.045,"end":479.86002},{"sentences":[{"text":"So each year, I'd need to look into it a little bit further.","start":480.08002,"end":483.06,"sentiment":"neutral","sentiment_score":0.016284592163104277},{"text":"But each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting.","start":483.36002,"end":489.585,"sentiment":"neutral","sentiment_score":-0.018933589545715796},{"text":"So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date 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is?","start":505.86,"end":515.71497,"sentiment":"neutral","sentiment_score":0.0009831808364162077},{"text":"Are you wanting to review that?","start":515.71497,"end":517.65497,"sentiment":"neutral","sentiment_score":-0.008935659813384214}],"sentiment":"neutral","sentiment_score":-0.0054122228358013955,"channel":0,"num_words":51,"start":498.125,"end":517.65497},{"sentences":[{"text":"Well, we can review that next year if you want.","start":518.315,"end":521.115,"sentiment":"neutral","sentiment_score":0.05739936605095863},{"text":"It's 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more information, then, yeah, we can talk","start":523.675,"end":528.57,"sentiment":"neutral","sentiment_score":0.024454703155372823}],"sentiment":"neutral","sentiment_score":0.024454703155372823,"channel":1,"num_words":14,"start":523.675,"end":528.57},{"sentences":[{"text":"Yeah.","start":528.42,"end":528.92,"sentiment":"neutral","sentiment_score":0.16293136775493622}],"sentiment":"neutral","sentiment_score":0.16293136775493622,"channel":0,"num_words":1,"start":528.42,"end":528.92},{"sentences":[{"text":"get","start":528.57,"end":529.07,"sentiment":"positive","sentiment_score":0.3826083838939667}],"sentiment":"positive","sentiment_score":0.3826083838939667,"channel":1,"num_words":1,"start":528.57,"end":529.07},{"sentences":[{"text":"Fantastic.","start":530.66,"end":531.16,"sentiment":"positive","sentiment_score":0.4955902695655823},{"text":"We can do 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Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that?","start":535.06,"end":547.305,"sentiment":"neutral","sentiment_score":0.05481658418263708},{"text":"It's very competitive","start":548.325,"end":549.385,"sentiment":"neutral","sentiment_score":0.015853752692540485}],"sentiment":"neutral","sentiment_score":0.051740571170261034,"channel":0,"num_words":38,"start":535.06,"end":549.385},{"sentences":[{"text":"Yeah.","start":548.905,"end":549.405,"sentiment":"neutral","sentiment_score":0.061948202550411224},{"text":"Yeah.","start":550.105,"end":550.34503,"sentiment":"neutral","sentiment_score":0.04726792871952057}],"sentiment":"neutral","sentiment_score":0.0546080656349659,"channel":1,"num_words":2,"start":548.905,"end":550.34503},{"sentences":[{"text":"compared","start":550.165,"end":550.645,"sentiment":"neutral","sentiment_score":0.03031804785132408}],"sentiment":"neutral","sentiment_score":0.03031804785132408,"channel":0,"num_words":1,"start":550.165,"end":550.645},{"sentences":[{"text":"That'll 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all?","start":566.93005,"end":569.03,"sentiment":"neutral","sentiment_score":0.00022686697128746245}],"sentiment":"neutral","sentiment_score":0.035180437238886954,"channel":0,"num_words":20,"start":563.09,"end":569.03},{"sentences":[{"text":"Yep.","start":569.355,"end":569.855,"sentiment":"neutral","sentiment_score":0.0694073736667633}],"sentiment":"neutral","sentiment_score":0.0694073736667633,"channel":1,"num_words":1,"start":569.355,"end":569.855},{"sentences":[{"text":"Yeah.","start":570.37006,"end":570.77,"sentiment":"neutral","sentiment_score":0.09453921765089036},{"text":"Okay.","start":570.77,"end":571.27,"sentiment":"neutral","sentiment_score":0.13847973942756653},{"text":"I'm gonna send you a email that will have our review pack in it for 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your","start":962.245,"end":966.185,"sentiment":"neutral","sentiment_score":0.10490270207325618}],"sentiment":"neutral","sentiment_score":0.10490270207325618,"channel":0,"num_words":9,"start":962.245,"end":966.185},{"sentences":[{"text":"It's","start":966.03503,"end":966.53503,"sentiment":"neutral","sentiment_score":0.14395932853221893}],"sentiment":"neutral","sentiment_score":0.14395932853221893,"channel":1,"num_words":1,"start":966.03503,"end":966.53503},{"sentences":[{"text":"superannuation investment, or would you like to talk about alternatives?","start":966.245,"end":970.025,"sentiment":"neutral","sentiment_score":0.04622693322598934}],"sentiment":"neutral","sentiment_score":0.04622693322598934,"channel":0,"num_words":10,"start":966.245,"end":970.025},{"sentences":[{"text":"a road from you.","start":970.475,"end":972.895,"sentiment":"neutral","sentiment_score":-0.02415258251130581}],"sentiment":"neutral","sentiment_score":-0.02415258251130581,"channel":1,"num_words":4,"start":970.475,"end":972.895},{"sentences":[{"text":"Yeah?","start":973.365,"end":973.865,"sentiment":"neutral","sentiment_score":0.04702279716730118},{"text":"Okay.","start":973.925,"end":974.425,"sentiment":"neutral","sentiment_score":0.2267889380455017},{"text":"Thank you.","start":974.485,"end":975.305,"sentiment":"positive","sentiment_score":0.4698917865753174},{"text":"The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC.","start":976.02,"end":985.88,"sentiment":"neutral","sentiment_score":0.07178823177057964},{"text":"It 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relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make.","start":1220.64,"end":1238.865,"sentiment":"neutral","sentiment_score":0.13205326135669435}],"sentiment":"neutral","sentiment_score":0.13205326135669435,"channel":0,"num_words":49,"start":1220.64,"end":1238.865},{"sentences":[{"text":"Mhmm.","start":1238.9401,"end":1239.26,"sentiment":"neutral","sentiment_score":0.06463240087032318},{"text":"Yep.","start":1239.26,"end":1239.5801,"sentiment":"neutral","sentiment_score":0.11763735115528108},{"text":"So I'll just let you know now.","start":1239.5801,"end":1241.28,"sentiment":"neutral","sentiment_score":0.15805238698210036},{"text":"Today is me last day at work.","start":1242.375,"end":1243.975,"sentiment":"neutral","sentiment_score":0.1554551816412381},{"text":"I'm going on three weeks 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sure that you're contacted after that.","start":1297.305,"end":1300.045,"sentiment":"neutral","sentiment_score":0.054876109319073815},{"text":"So the honeymoon.","start":1300.265,"end":1301.465,"sentiment":"neutral","sentiment_score":0.025334474941094715},{"text":"So did you guys just get married?","start":1301.465,"end":1303.165,"sentiment":"neutral","sentiment_score":-0.0006948717470679967}],"sentiment":"neutral","sentiment_score":0.026780711048666167,"channel":0,"num_words":17,"start":1297.305,"end":1303.165},{"sentences":[{"text":"Yeah.","start":1304.215,"end":1304.535,"sentiment":"neutral","sentiment_score":-0.2434506863355637},{"text":"Like, fuck.","start":1304.535,"end":1306.375,"sentiment":"negative","sentiment_score":-0.4775392413139343},{"text":"Two months 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August.","start":1308.535,"end":1309.1749,"sentiment":"neutral","sentiment_score":0.11758818477392197},{"text":"So what's 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I'll","start":1324.405,"end":1327.225,"sentiment":"neutral","sentiment_score":0.08922858536243439}],"sentiment":"neutral","sentiment_score":0.18712885677814484,"channel":0,"num_words":8,"start":1322.725,"end":1327.225},{"sentences":[{"text":"But...","start":1327.045,"end":1327.285,"sentiment":"neutral","sentiment_score":0.04197779297828674},{"text":"Yeah.","start":1327.285,"end":1327.785,"sentiment":"neutral","sentiment_score":0.02074578031897545}],"sentiment":"neutral","sentiment_score":0.031361786648631096,"channel":1,"num_words":2,"start":1327.045,"end":1327.785},{"sentences":[{"text":"I'll","start":1327.6849,"end":1328.1849,"sentiment":"neutral","sentiment_score":0.009556401520967484}],"sentiment":"neutral","sentiment_score":0.009556401520967484,"channel":0,"num_words":1,"start":1327.6849,"end":1328.1849},{"sentences":[{"text":"If 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soon.","start":1343.4199,"end":1346.08,"sentiment":"positive","sentiment_score":0.5361368854840597}],"sentiment":"positive","sentiment_score":0.49512160016644385,"channel":0,"num_words":31,"start":1334.885,"end":1346.08},{"sentences":[{"text":"No worries.","start":1346.3301,"end":1346.81,"sentiment":"positive","sentiment_score":0.3675844669342041},{"text":"Thank you.","start":1346.81,"end":1347.55,"sentiment":"positive","sentiment_score":0.7147606015205383}],"sentiment":"positive","sentiment_score":0.5411725342273712,"channel":1,"num_words":4,"start":1346.3301,"end":1347.55},{"sentences":[{"text":"Thank you.","start":1347.98,"end":1348.7999,"sentiment":"positive","sentiment_score":0.6970306932926178},{"text":"Bye.","start":1349.1799,"end":1349.6799,"sentiment":"neutral","sentiment_score":-0.11177942901849748}],"sentiment":"positive","sentiment_score":0.4274273191889127,"channel":0,"num_words":3,"start":1347.98,"end":1349.6799}]},"summary":{"result":"success","short":"The speakers discuss various topics including income, debt, retirement goals, health insurance, and risk profile. They also discuss various financial documents and recommendations for clients, including a 12-month performance report, hybrid ETF, and a fixed fee. The process of obtaining a superannaps loan and obtaining authorization to collect information is explained, along with alternatives for investment and financial services. The speaker reassures the customer that the process will be completed quickly and provides information on a honeymoon trip to be taken after the wedding."},"intents":{"segments":[{"text":"The purpose of my call is I'm phoning to complete your scheduled and your review. Do you still have time to do that today?","start_word":125,"end_word":148,"intents":[{"intent":"Complete and review scheduling","confidence_score":0.00015892435}]},{"text":"Are you making any additional contributions to Super?","start_word":381,"end_word":388,"intents":[{"intent":"Make contributions","confidence_score":0.4055493}]},{"text":"I have here just assets and liabilities. I've got a car valued at 15,000. Would that still be correct? Yep.","start_word":431,"end_word":450,"intents":[{"intent":"Confirm details","confidence_score":0.009064528}]},{"text":"I've got a car valued at 15,000. Would that still be correct? Yep. Yeah.","start_word":438,"end_word":451,"intents":[{"intent":"Assess vehicle value","confidence_score":0.0013318401}]},{"text":"And a motorbike here of 6,000. Is that still... Yeah.","start_word":485,"end_word":494,"intents":[{"intent":"Inquire about motorbike model","confidence_score":0.003507896}]},{"text":"On the same one, I bought another Suzuki, but it's a bigger one. It's a 650 cc one. Oh, okay.","start_word":513,"end_word":532,"intents":[{"intent":"Specify vehicle model","confidence_score":0.0022921527},{"intent":"Specify vehicle model","confidence_score":0.02701624}]},{"text":"Oh, it's a 200. So when I started off small and then once I got Okay. my bike license, I bought a bigger one. Yeah. Yeah.","start_word":572,"end_word":597,"intents":[{"intent":"Discuss car model and purchase bike license","confidence_score":1.2103385e-10}]},{"text":"And I have you here as a smoker approximately ten a day. Is that right? Yeah.","start_word":621,"end_word":636,"intents":[{"intent":"Confirm smoking status","confidence_score":0.03448701}]},{"text":"Are you wanting to review that?","start_word":1203,"end_word":1208,"intents":[{"intent":"Review coverage levels","confidence_score":0.00692673}]},{"text":"I'm gonna send you a email that will have our review pack in it for you.","start_word":1355,"end_word":1370,"intents":[{"intent":"Send email","confidence_score":0.20522232}]},{"text":"I'm gonna send you a email that will have our review pack in it for you. Mhmm.","start_word":1355,"end_word":1371,"intents":[{"intent":"Review portfolio","confidence_score":0.014068423}]},{"text":"Mhmm. It... We're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign. And if you click sign here, there's a button that's like DocuSign. You're not signing anything at the moment. It's just that we're gonna talk through the documents before you have the ability to do so. Yep.","start_word":1371,"end_word":1425,"intents":[{"intent":"Walk through documents","confidence_score":0.9359342}]},{"text":"So the first page is a summary of your super and insurance. So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out.","start_word":1455,"end_word":1489,"intents":[{"intent":"Check balance","confidence_score":0.75368935}]},{"text":"So the first page is a summary of your super and insurance. So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out. The rest insurance is life covers at 363,500, TPD 71,500. With your Yep. income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period.","start_word":1455,"end_word":1520,"intents":[{"intent":"Give overview","confidence_score":0.000044241227}]},{"text":"rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market.","start_word":1535,"end_word":1563,"intents":[{"intent":"Investigate insurance type","confidence_score":0.0014570606}]},{"text":"So as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals.","start_word":1682,"end_word":1712,"intents":[{"intent":"Review client portfolios","confidence_score":0.011877598}]},{"text":"the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process. Yep.","start_word":2217,"end_word":2247,"intents":[{"intent":"Provide advice","confidence_score":0.050329145}]},{"text":"So if you want to continue receiving advice from Okty, you do... I do ask that you sign that one in return. And then the last document also is the authorization to collect information.","start_word":2359,"end_word":2392,"intents":[{"intent":"Continue receiving advice","confidence_score":0.6273733}]},{"text":"The only other thing I will mention, Josh, is that currently on your Hub 24... Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination. Did you want me to send out a form to arrange that for you? Yeah.","start_word":2441,"end_word":2488,"intents":[{"intent":"Arrange form","confidence_score":0.5365928}]},{"text":"Did you want me to send out a form to arrange that for you? Yeah.","start_word":2474,"end_word":2488,"intents":[{"intent":"Receive and send form","confidence_score":0.0007195567}]},{"text":"So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids. And I'm gonna send you through a... An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments.","start_word":2684,"end_word":2733,"intents":[{"intent":"Recommend alternative investments","confidence_score":0.008551444}]},{"text":"We're going to Bali for the honeymoon. So I'm fly out Friday at I'll fly to Brisbane tomorrow and then fly out Friday at, I think, 06:30 in the morning. But Mhmm.","start_word":2835,"end_word":2866,"intents":[{"intent":"Plan travel plans","confidence_score":0.001033567}]}]},"sentiments":{"segments":[{"text":"Hello. Josh speaking. Hi, Josh. This is Jenniferning from Oakview Financial.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.23091070353984833},{"text":"How are you today?","start_word":11,"end_word":14,"sentiment":"positive","sentiment_score":0.3427986204624176},{"text":"Hey. Yourself?","start_word":15,"end_word":16,"sentiment":"neutral","sentiment_score":0.16903828084468842},{"text":"I'm well. Thank you.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.4685012102127075},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Josh, can I please ask you to confirm your full name, date of birth, and address, please? Yep. Hi, Joshua. Brian. 5th Is 3rd 1992. 26 Bradman Street, Wilma.","start_word":21,"end_word":78,"sentiment":"neutral","sentiment_score":0.08881887793540955},{"text":"Thank you for that, Josh.","start_word":79,"end_word":83,"sentiment":"positive","sentiment_score":0.5378183126449585},{"text":"Before I do go any further, did you wanna add a client password to your account so you don't have to complete the three points of ID each time? Yeah. Nah. You're good? Yeah. Yeah. That's what I can. Okay. Alright. The purpose of my call is I'm phoning to complete your scheduled and your review. Do you still have time to do that today? You know, I didn't think of that. So I couldn't remember if it's a two buffalo lineup. Yeah. 02:00 today. Yeah. I Yeah. can... It's COVID. Yeah. No. Is It's that COVID. okay? Yeah. Okay. I went to Good. hell. Alright. Lovely. Alright. Well, I will jump straight into it for you. I would just like to start by checking in with you and seeing if there's been any significant changes to your personal or financial situation since your last review. Well, just to change a job, but not... Other than that, not really. Yeah. So we had your job down previously as a truck driver. Is that still the same? Yeah. Still the same. Yeah. Just company? Yep. So what's your new employer's name? Well, if someone knew it's me, I'll tell you I'm back in Charlotte again. You're sorry? Back in Charlotte. College. Okay. Yeah. Is there... And then their name? Charlotte, Yeah. Okay. Alright. So with your income, we had that down at a 160,000. Is that correct still? No. I think it's up. I'll have to double check, but, yeah, it sounds a bit right.","start_word":84,"end_word":337,"sentiment":"neutral","sentiment_score":0.020068574315450324},{"text":"Sounds about right. So you get super on top of that amount.","start_word":338,"end_word":349,"sentiment":"positive","sentiment_score":0.5618411302566528},{"text":"Yep. Yeah. And we had your expenditure at about a thousand dollars a week and your savings at about $1,000 a week. Does that also sound about right? Yep.","start_word":350,"end_word":378,"sentiment":"neutral","sentiment_score":0.1779356449842453},{"text":"Oh, wonderful.","start_word":379,"end_word":380,"sentiment":"positive","sentiment_score":0.574015200138092},{"text":"Are you making any additional contributions to Super? No. Not at the moment, but I will be soon. Yeah. Did you want me to look at that for you, make any recommendations on that? If I go ahead, I'll give you the ring. Okay. Excuse me. No. You're alright. Alright. I have here just assets and liabilities. I've got a car valued at 15,000. Would that still be correct? Yep. Yeah. And a camper trailer at 40,000? Yep. Is there any debt attached to that camper trailer? Yeah. There is this I'd say probably about 15 or 16,000 left on it. Okay. Thank you. And a motorbike here of 6,000. Is that still... Yeah. Yeah. You'll have to Yeah. add another one because I bought another one. Oh, lovely. What kind? No. On the same one, I bought another Suzuki, but it's a bigger one. It's a 650 cc one. Oh, okay. They're the part. Yeah. That's getting fast. Okay. How... And what's that valued at? Probably been going great. Yeah. Any debt on that one? Man, I owe it out. Right? Yeah. Okay. That's fine. And what's the other Suzuki? Oh, it's a 200. So when I started off small and then once I got Okay. my bike license, I bought a bigger one. Yeah. Yeah. My husband's all about bikes, so I know them well. Alright. Any other assets and liabilities, property, savings, investments? No. No. Okay. Okay. And I have you here as a smoker approximately ten a day. Is that right? Yeah. And you have asthma and take a preventer and a puffer also? Yep. Yeah. And you have private health insurance with AHM? No. Changed to... Well, the message changed it to... What's it called? Qantas Well-being or whatever it is. Yep. Okay. And do you have a will or power of attorney? No. Not yet. That's something I'm gonna No. do. Yeah. Okay.","start_word":381,"end_word":699,"sentiment":"neutral","sentiment_score":-0.0001709764023372746},{"text":"Lovely.","start_word":700,"end_word":700,"sentiment":"positive","sentiment_score":0.3721543550491333},{"text":"Just circling back to your goals and objectives, I just wanna double check with you. Previously, on... From your last review, you were saving for a house deposit. Is that something you're still working towards? No. We're still working on that. Okay. Do you have any clear plans on when you would like to purchase a home? Yep. I think it's not next year or halfway through next year. Between now Okay. and the end of the day next year sometime. Okay. And have you spoke to a broker or anything to No. understand? Not yet. No? Not yet. I've just been... We're just been saving. Yep. Okay. How much do you So... have saved? Well, off the top of my head, probably $20. Yep. Okay. Lovely. We do have brokers that we work with. So if there is some... Yes. When it does come a time, we can refer you onto somebody who can help you if you like. Yep. With retirement goals, pretty brief here given that you still got plenty of time before retirement. But you said retire age 65 with $1,500 per week debt free, and you'd like to travel around Australia. Is that still Yeah. correct? I'll probably won't retire when I'm 65, but we'll give... We'll see when the time comes, I reckon. Yeah. Do you think that's financially or a personal reason? It's just probably me work ethics on... Yeah. Yeah. Like Probably to be busy? probably some... Yeah. Pretty much. Yeah. I can understand that. Okay. With your superannuation at the moment, what are you what are your goals with it long term? Like, are you are you looking for growth? What is it that you're hoping to achieve with your super? What's important to Well, I you? just... Grow it. So when it does time... Come time to retire, I've got some money there and me super to... If I need it. Yep.","start_word":701,"end_word":1022,"sentiment":"neutral","sentiment_score":0.024633730674937643},{"text":"Okay. Fantastic.","start_word":1023,"end_word":1024,"sentiment":"positive","sentiment_score":0.512765645980835},{"text":"And I also note that insurance wise, you've got some insurance with Rest Super. Yeah. They're they're the they're the main ones because when Yeah. I set this up, the life insurance I've got with them, you just couldn't compete with what I had with them. Yeah. Yep. So group cover... What group cover is is what you've got now. So that covers you, and it's essentially unitized. So each year, I'd need to look into it a little bit further. But each year, it will decrease a little bit unless it's actually applied for cover that's gone through underwriting. So I'm gonna do some research on that anyway because there is a form I'm gonna get you to sign so we can contact rest and get some up to date details. No. But, yeah, that... So your insurance at the moment, are you satisfied with the way it's set up or... And the way the levels of cover, which I can I can go through shortly with you for the time for the time being, or is? Are you wanting to review that? Well, we can review that next year if you want. It's right Okay. for now. Okay. If either you're part of pulling out more information, then, yeah, we can talk Yeah.","start_word":1025,"end_word":1239,"sentiment":"neutral","sentiment_score":0.029001746326684952},{"text":"get Fantastic. We can do that.","start_word":1240,"end_word":1245,"sentiment":"positive","sentiment_score":0.3896262645721435},{"text":"together next And year. estate planning wise with the Wilson Power of Attorney, did you want me to send you a brochure from our one of our professional partners that we work with to, understand the cost of that? It's very competitive Yeah. Yeah. compared That'll be to good. what's out there, and we Yep. can send that through so you can have a a look at that, you and your partners, see if that's something that you wanna go down that path. Yeah.","start_word":1246,"end_word":1329,"sentiment":"neutral","sentiment_score":0.10745975375175476},{"text":"That's fine.","start_word":1330,"end_word":1331,"sentiment":"positive","sentiment_score":0.4647429585456848},{"text":"Alright. Josh, what I'm gonna do now is I'm gonna send... Do you have access to your emails at all? Yep. Yeah. Okay. I'm gonna send you a email that will have our review pack in it for you. Mhmm. It... We're just gonna walk through the documents, and it will come from OdooSign, Jenna Wheeler OdooSign. And if you click sign here, there's a button that's like DocuSign. You're not signing anything at the moment. It's just that we're gonna talk through the documents before you have the ability to do so. Yep. So if you just let me know when you got those documents open, we can start on that. Yeah. Give me a sec. Yeah. You're right.","start_word":1332,"end_word":1451,"sentiment":"neutral","sentiment_score":0.04257987067103386},{"text":"Yeah. Lovely.","start_word":1452,"end_word":1453,"sentiment":"positive","sentiment_score":0.4389006495475769},{"text":"Okay. So the first page is a summary of your super and insurance. So you've got a balance within Hub at the moment of $85,038, and rest balance is at September last year, $12,068 rounded out. The rest insurance is life covers at 363,500, TPD 71,500. With your Yep. income protection, some insured at $2,125 per month, sixty day waiting period, and a two year benefit period. So we're gonna get some additional research and just check that balance within Yes. rest because we don't want that to go too much higher above the minimum, and then look at the type of insurance you got and compare to the market. The next document over is your twelve month performance report with Hub. This document, first thing I'd like to draw your attention to is the top investment option, the Benelong Australian Equities Fund that is under... That has underperformed the last twelve months, which you will see. And it's due to their investment philosophy rather than the actual Australian share market. And the reason being is that Bennelong is an active manager. So their their philosophy is that they identify undervalued companies in the Australian share market for growth opportunities. So the last twelve months saw the financial sectors and the resource sectors really grow in the Australian share market. So the Bennelong mandate... Investment mandate wasn't fulfilled. So as a business, we have decided to look at reviewing each client that does hold the Bennelong Australian Equities Fund for potential alternatives that may help them achieve their goals. So if you're comfortable with that, that's something I'd like to do. Yeah. That's fine. Yeah. The second the second option down is the Beta Bank hybrid ETF. That is a... There's nothing wrong with that investment. It's just that the banking system in Australia is phasing out those investment options from January 2027. What I would like to do is be a little bit more proactive with that approach and look at options and alternatives now as I don't know what that's gonna be replaced with come that time. Yep. Yep. Alright.","start_word":1454,"end_word":1805,"sentiment":"neutral","sentiment_score":0.04745347215794027},{"text":"Lovely.","start_word":1806,"end_word":1806,"sentiment":"positive","sentiment_score":0.33754098415374756},{"text":"The next docu... So over the last twelve months, sorry, after fees, so your net return was 1.87%, and that's been highly impacted due to that Bennelong Fund. So what we've done is provided you with a six month performance report, which is the next document across. And you'll see even though the Benelong Australian Equities Fund has turned around and is performing positively now, due to the systemic ongoing underperformance, we're still not comfortable holding that in our client's portfolio. So Yes. we are still looking to replace. So the last six month return net of fees is now back at around 7.63%. So it is the the portfolio is turning around. It's just not something that we will keep in the portfolio due to the systemic nature of that investment. Does Yep. that make sense? Yeah. Yep. Lovely. The next document across is the Vanguard index chart. This is just a little document that I do like to go through with clients just to discuss their risk profile. You are currently invested as a growth investor, which means that what we do is we typically see approximately 80% of your funds in those top four investments being US shares, Australian shares, international shares, and listed property, Yep. and the remaining 20% in your your bonds and your cash, so your defensive part of the portfolio. With a gross portfolio, we do expect to see an average annual return of between seven to 9% per annum, but one in every five years at least being a negative year on average, statistically, and with a minimum time frame of investment for six years. So if we're looking at this from a super perspective, you have twenty six years before you can access your superannuation from a legislative perspective based on current legislation. So why it is a minimum time frame of six years is to with stand the market volatility. So as that pay... As that document shows, all the dips and the the ups and downs, the six year time frame is to help you recover from a a significant dip. Yep. Are are you comfortable maintaining that approach to your It's superannuation investment, or would you like to talk about alternatives? a road from you. Yeah? Okay.","start_word":1807,"end_word":2185,"sentiment":"neutral","sentiment_score":-0.1089784967907186},{"text":"Thank you.","start_word":2186,"end_word":2187,"sentiment":"positive","sentiment_score":0.45946139097213745},{"text":"The next document across is our financial services guide, and that document explains who we are, who our license is, and that we're licensed through ASIC. It explains Yes. the type of advice, how we provide it, the cost of it, and importantly, if you're unhappy with any of the services provided, how to go through the complaints process. Yep. The next document, two more to go. This is your consent to continue as a client for the next twelve months. It is a fixed... It is... It's a percent based fee of 1.1 up to a balance of 600,000. So when this document was generated, it is estimated to be $935.42 per annum, and that is paid monthly. Not the 900, the the... That's 1.1% paid monthly of your balance when it's calculated. The ongoing fee covers your annual reviews. If, for example, you mentioned if you wanted to go ahead with making contributions to super, you'd you'd contact us. That's all included in your ongoing service. Oh, yes. Yep. So if you want to continue receiving advice from Okty, you do... I do ask that you sign that one in return. And then the last document also is the authorization to collect information. So that's the document I was referring to earlier in relation to Yep. us getting some updated information from rest. We just need you to sign that so we can send it off to rest and get some updated information. Yeah. So I can do So that.","start_word":2188,"end_word":2439,"sentiment":"neutral","sentiment_score":0.04315795387984032},{"text":"lovely.","start_word":2440,"end_word":2440,"sentiment":"positive","sentiment_score":0.6656553745269775},{"text":"The only other thing I will mention, Josh, is that currently on your Hub 24... Now I don't know with rest, but on your Hub twenty four account, you have no beneficiary nomination. Did you want me to send out a form to arrange that for you? Yeah. That'd be good. Yeah. Can you tell me who your beneficiary would be? It'll be the wife. Yep. So Is that'll that be Amber? m... Yeah. Yep. Does... I've got her here at the moment as Amber Smith. Does... Is she Amber Denham now? Yeah. Yeah. She should've changed her name, but I don't think she did. Okay. And she's at the same address as you. Is that right? Yep. Yep. And would it be a 100% to Amber? Yeah. Yeah. And lastly, with beneficiary nominations, there's two types. There's a non lapsing and a lapsing. Basically, the the the difference being is the non lapsing means that your beneficiary nomination will stay in place until such a time that you lodge a new form to replace it. A binding means that it's you just need to review it and lodge a new form every three years. What would be your preference? No. Probably the first one. Yeah. Yep. No worries at all. That's about it for me.","start_word":2441,"end_word":2656,"sentiment":"neutral","sentiment_score":0.023435520008206367},{"text":"It was a very a very quick review.","start_word":2657,"end_word":2664,"sentiment":"positive","sentiment_score":0.3987663686275482},{"text":"Do you have any questions for me? No. Not at all. I'm happy to hear everything's No? going. Fantastic. So what I'm looking at here is we are gonna look at alternatives for Benelong and the bank hybrids. And I'm gonna send you through a... An email in the next week or so with the documents that will show you what recommendations we have made to replace those investments. No Yep. action is required on your behalf. We will make those changes for you. And once Got I've it. got some further information from Rest in relation to your current account and covers and balances, I may reach out to you again to book in some time if we need to discuss that further to look at any recommendations to any of the changes we need to make. Mhmm. Yep. So I'll just let you know now. Today is me last day at work. I'm going on three weeks holiday.","start_word":2665,"end_word":2824,"sentiment":"neutral","sentiment_score":0.09105229896958918},{"text":"Oh, how nice is that?","start_word":2825,"end_word":2829,"sentiment":"positive","sentiment_score":0.4957612156867981},{"text":"Where are you off to? We're going to Bali for the honeymoon. So I'm fly out Friday at I'll fly to Brisbane tomorrow and then fly out Friday at, I think, 06:30 in the morning. But Mhmm. I get back into Australia on the twenty seventh. So I've done all the time on the place, and so if you need to contact me, any... From the twenty eighth onwards, I'll be back in the country.","start_word":2830,"end_word":2904,"sentiment":"neutral","sentiment_score":0.08639612793922424},{"text":"That's absolutely fine.","start_word":2905,"end_word":2907,"sentiment":"positive","sentiment_score":0.46102607250213623},{"text":"The the changes to that investment portfolio will happen anyway. We'll make sure that they're in place. You'll just get an email for your records. Yep. And then anything after that, it it can take up to about ten business days to even get some information from rest. So, look, there's no urgency. We Yeah. can Yeah. make sure that you're contacted after that. So the honeymoon. So did you guys just get married? Yeah.","start_word":2908,"end_word":2982,"sentiment":"neutral","sentiment_score":0.0754745677113533},{"text":"Like, fuck.","start_word":2983,"end_word":2984,"sentiment":"negative","sentiment_score":-0.4864637851715088},{"text":"Two months ago. 20 Oh, second congratulate. of August. So what's that? Two Congratulations. months? Yeah. Thank you. Yeah. So we're going to go straight after the wedding, but, yeah, that kinda blew it out till the wedding blew it out. But, anyway, so we're Yeah. going now. Well, enjoy your time away. And, yeah, I'll But... Yeah. I'll If we... Like look... I said, if you need to contact me, I'll be in... I can return anywhere after the twenty eighth, I'll be available. And that's absolutely fine. I'll make a note of that. Alright.","start_word":2985,"end_word":3080,"sentiment":"neutral","sentiment_score":0.03690873831510544},{"text":"Well, thank you, and enjoy your your honeymoon. And be safe and travel safe, and we'll speak to you soon. No worries. Thank you. Thank you. Bye.","start_word":3081,"end_word":3107,"sentiment":"positive","sentiment_score":0.6008405089378357}],"average":{"sentiment":"neutral","sentiment_score":0.036346819350542785}}}}