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Okay. Perfect. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please? Perfect. And how's your morning been? Been busy? Yeah. Yeah. Sure. That's no stress. Just let me know. That is no problem. Now I also know that you did have a pretty big discussion with my colleague, Tommy. We did advise not too long ago. So today should be pretty straightforward and not take up too much of your time today. It's just kind of just kind of recapping everything and see where everything is at. But before I kind of jump into it, do you have any particular questions or anything you want me to focus on? No. Just just just a bit of a catch up. Yeah. Beautiful. Now, Wade, what I will do first is just to go through just a quick fact find just to see if there is anything that has changed between when you spoke to Tommy and now if we need to make any tweaks and changes to your advice. So just bear with me as I do confirm this. Now when it comes to your personal information, I have you down here as single with no financial dependence. Is that correct? Yep. Beautiful. And next up, Kim. So in the event that something were to happen to you, I have Joe nominated. Yeah. And what's their relationship to you? Just so I can note that down as well. Perfect. And phone number hasn't changed. Still ends in 491. Yep. Perfect. Occupation wise, I have you down there as an account manager. That's still the case? Yep. Perfect. Income at around 77,000. Beautiful. I'll just update that. Mhmm. Ah, yeah. That's 20. And is that from an investment property? Oh, yeah. Okay. Perfect. And that was 20,000, did you say, a year? Yes. Alright. Perf yep. That's great. Now I can also see here that you are doing the $75 a week contribution salary sacrifice, which is great. So that's all dropping into your account. And your employer is still just paying that standard 12% contribution rate into super. That hasn't changed. There's no EBAs or anything like that in place. Yep. Perfect. Now asset wise, I do wanna just check if what I have here is correct. So I have your property is valued at about 1,400,000. Is that correct? Yep. Beautiful. And I have mortgage of around 465. About $4.60. Perfect. I also have a tractor of about 30,000. Yep. Yep. And you don't have anything owing on that one, do you? No. Perfect. Yep. And then I also have a huge at about 20,000. About yep. Unfortunately, cars do appreciate, don't they? And you don't have yeah. And you don't have anything owing on that one either, do you, Wade? No. Beautiful. Is there any other new assets that we haven't gone through? Any motorbikes or boats or anything else? Oh, yeah. No. That's not too bad. Sorry. Is that two of them? Is that two motorbikes? Yep. Oh, beautiful. That's good. And any other liabilities, like personal loans or credit card or ZipPay or anything? Perfect. Yep. And is that mainly used for, like, points and stuff? Yeah. Yes. Okay. Beautiful. Perfect. That's good. And when it comes through health and lifestyle, I have here a note that you used to be a smoker, but stopped would have been over six months ago now. Is that correct? No. That's okay. When because I do have a little note here from Tommy, so I might just amend that. So if you do, at any point, decide to to stop smoking or vaping or any nicotine, essentially, just with the insurances. So when and if it has been a twelve month, just let us know because that's when we can look at removing those rates if that ever becomes applicable for you. So just kind of keep that in mind. If not, we usually touch base in regards to it during under review, so each year, and see how things are how things are progressing as well. Yep. Beautiful. Now any other significant health issues or injuries or anything? Nope. That's great. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Okay. That's Alicia's in the pro Alicia's in the process. Yeah. That's good. It's one of those things that everyone's always like, oh, yeah. I know I should get onto it. But then, obviously, life gets in the way and things happen. So that's understandable. But at least it's kind of on the radar anyway to have a look at, which is good. Now, also, when it comes to your superannuation and your insurances, I can see here that we don't currently have a nomination on file for for that. Do you remember receiving those forms at all? Mhmm. Okay. Yeah. Sure. Yes. That's the one. Yep. Okay. Yeah. Yep. Beautiful. And then you can always scan it and send it back or and then we can get that all uploaded for you. Now when it comes through the nomination, if you have any questions, because they can be a little bit convoluted. There are different rules and legislation in place on who you can nominate. Do you have any questions or idea of who you would like to nominate? Okay. When when you have decided, let us know. But, essentially, just as a brief overview for you, they do make it quite strict on who you can actually nominate directly through the CSAC. So the only people that you can put, like, straight down on the form is either a spouse, a child, or someone who is financially dependent on you or you are in a interdependency relationship. Basically, what that means is someone who must remain financially dependent on you at the time of your passing, and you need to have a close personal relationship while living together and providing financial or domestic or personal care support. So they make it quite strict. Now if, for instance yeah. So now if, for instance, you wanted to nominate parents or siblings, nephews and niece, friends, whatever it might be that don't fall into this particular category, you can still nominate them. We would just have to structure it a little bit differently. So what you would do, if that is something you do decide, is on the form, you would just select that it goes through a legal personal representative, which is one of the boxes on the form. Basically, what that means is that it just reverts back to your will. And then in your will, you can nominate whoever you want to. So in your will, you could say you would like your super to go through x. You want your insurance to go through x person, and that is perfectly fine. No. So on the form, there should be a box where you can put a nomination so you can choose. It says, like, name, date of birth, and stuff, but there's also a box where it says LPR, so legal personal representative. There should be a little tick tick box. And there's nothing next to that. Okay. Let me see. Alright. Let me see. If I alright. Let me see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. Yeah. Yes. That is correct. Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary, first. Alright. Let me see. Okay. Sorry. I have it here in front of me. Let me just find where it says. Yes. Sorry. Okay. At the bottom. So it's kind of hidden a little bit. So yeah. So it says legal personal. Personal. So you can just put a 100% in this box if that is what you decide. And then in your will, you can nominate multiple people. You can break down a percentage how you want it to go to each person. But this basically means that it would just go back to your estate. So, essentially, you are numb yeah. And at the top, so under number two, it says nominated beneficiaries. Because, obviously, it's a new policy and we don't have a nomination in file, you would just tick the first box where it says I am making my first non lapsing binding Beth nomination. Yep. Yep. And just for your reference, because there are a few different ways you can nominate. So when you go to the Superfund section, you will see a few different options. So nonlapsing, what that means is basically stays in place. It is it stays in place until you decide that you wanna change it, which is good. Now on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the form. Yep. And then the other confusing thing is that you can then choose a binding or nonbinding option. So a binding option, kind of what the name says, it means that trustee, so of your super fund and your insurance are are basically bound by follow your wishes. So it is the most certain. The nonbinding basically tells them that this is what you want to have happen, but they ultimately have the discretion of deciding if they feel like there's someone else that has a better claim to it. So binding gives you more certainty. Yeah. Does that make sense? I know it can be a bit confusing. They don't they don't make it easy. Yeah. Okay. Beautiful. Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same? Yep. Yep. Beautiful. Now when it comes to your risk profile, so if it's been a while since we've gone kind of spoken to you when it comes to your investments, we tend to go through, like, a new updated risk profile questionnaire to see if anything has changed. But I know you went through all of that with Tommy not long ago. So, essentially, we have you invested in your growth portfolio. Do you remember what it means to be a growth investor at all when you spoke to Tommy? Yeah. So it yeah. So it's kind of somewhere in the middle where you are focusing on, obviously, maximizing growth in your superannuation while you still have plenty of time until retirement, but also that you understand that there will be some short term fluctuations because of it. It it is kind of a good position. So it's not like your high growth and aggressive, but it is not your defensive and moderate either. So it is kind of somewhere in the middle where you are focusing on growth, wanting a little bit of a defensive portion, but only about 20%. 80% is dedicated to those growth investments to grow your super as much as possible. Do you still feel like that's, like, aligning with you? Yep. Yep. And also from a time frame, so when it comes to the risk profile, what is also important aside from, obviously, where you are comfortable with is time. So making sure that you have enough time in the market for, you know, the the little short term fluctuations. And in a growth portfolio, ideally, we would like to see six years until retirement to make sure you have enough of those like, enough time for the fluctuations, which you certainly have. So from a time frame point of view, you are in a good position as well. Yep. Perfect. Now the the last thing, right, is to just give you a bit of a rundown of basically your insurances and your superannuation and where everything is at. Now because are you still driving at the moment? Okay. Yeah. Sure. Yep. You just let me know when you're back. Mhmm. It's okay. Yep. Perfect. So, essentially, the next part is just to go through those documents. I have emailed them to you if you have option of accessing them. It makes it a bit easier for you. But if you're driving and and need to get to places, then I can always just run through them with you on the phone. And then later, when it's safe for you to do so when you have time, you can then have a look through them. If you have any questions, you can then let me know. Yeah. Okay. Perfect. So I have sent you an email. Now it is directly from me. When you get through the email, it will say click on this link to sign now or something like that. You just have to click on the link first to open up all the documents. Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything. Does that make sense? Yep. Yep. Yeah. Yeah. Basically, same for when you did the the SOA presentation. Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances. But you do have your super with hub twenty four, and you do have a $164,892 in there. And then you also have insurances with Zurich. So you have life and total permanent disability insurance, and that is $1,000,000. Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals? Yep. Yep. If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work. So it's still a decent amount for you. And then you also have income protection, and that is covering you for $4,492 per month. You do have a thirty day waiting period on that one, and the benefit for five years. Those three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%. So total premium for all those three is $2,542. Any questions with any of those? No. Perfect. And then you also have trauma insurance. So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts. So it makes it a little bit cheaper for you. That is paid out of pocket, and it's about $73.88 per month. Yep. Perfect. Now the next document you will see when you have a look at the email is a bit of a performance report. So it shows you your portfolio in Hub twenty four to how your money is invested. It breaks down all your individual investments and how they have performed as well. Now your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago. So it might look like you have a little bit more different investments in there, but that is just because you sold out of some and bought some. So it might look a little bit messy, but that is basically to show you, where you have your money and how each investment have performed. Now, obviously yeah. Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything. So we have seen a bit of fluctuations in the market recently. In saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months. Yep. Yep. Perfect. Now the next document you will see is just a Vanguard index chart. Basically, what it is, it is a graph, and it just shows you it's kind of a good visual representation of what we are talking about when we are talking about the market. When you do have a look at it, you can essentially see that over the long term, market always goes up. But short term, you will have some ups and downs and market fluctuations. Yep. Now the next three documents, it is just your certificate of currency with Zurich. So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for you. Then the second last document, it is your OQ services guide. You would have seen this one with Tommy as well. It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU. If you do have a bit of a read over it, you will see the directors, all our advisers. You can see Tommy actually on page nine if you wanna put a face to the voice. And then page 10, you can see myself as well if you do wanna put a face to who you are talking to. Yep. Perfect. Now the last document, it is your ongoing service agreement. Now this one here is where it will ask you to to sign if you are happy to do so. And, basically, what it is, it is just to say that you are happy to stay on as a client. Now there is no changes at all in regards to the fee structure for you. It stays exactly the same at 1.65, and it is not a lock in contract. So if at any point in time, you are not happy, this is not a lock in contract. But by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime. Does that make sense? Yep. Yep. Beautiful. So that is essentially the documents and what I have had to run through with you today. Before I kind of let you go and get on with your day, do you have any other questions for me? No? Yeah. Yeah. Beautiful. So when you have a moment, have a look through that email for me. If you have any questions, just give me a call or or send us an email. Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me. And I will get that all loaded and uploaded for you. And I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you. Yep. Beautiful. Well, I will let you go away to get on with your day. But if there's anything you need at any point in time, don't hesitate to give us a call. Okay? No problem at all. You have a good rest of your day. Thanks. 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morning, Wade. This is Veronica from Oakview Financial. How are you? Yeah. I'm good.\n\nThank you. I had you booked in to go over your under review for you. Is now still a good time? Yeah? Okay.\n\nPerfect. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nPerfect. And how's your morning been? Been busy? Yeah. Yeah.\n\nSure. That's no stress. Just let me know. That is no problem. Now I also know that you did have a pretty big discussion with my colleague, Tommy.\n\nWe did advise not too long ago. So today should be pretty straightforward and not take up too much of your time today. It's just kind of just kind of recapping everything and see where everything is at. But before I kind of jump into it, do you have any particular questions or anything you want me to focus on? No.\n\nJust just just a bit of a catch up. Yeah. Beautiful. Now, Wade, what I will do first is just to go through just a quick fact find just to see if there is anything that has changed between when you spoke to Tommy and now if we need to make any tweaks and changes to your advice. So just bear with me as I do confirm this.\n\nNow when it comes to your personal information, I have you down here as single with no financial dependence. Is that correct? Yep. Beautiful. And next up, Kim.\n\nSo in the event that something were to happen to you, I have Joe nominated. Yeah. And what's their relationship to you? Just so I can note that down as well. Perfect.\n\nAnd phone number hasn't changed. Still ends in 491. Yep. Perfect. Occupation wise, I have you down there as an account manager.\n\nThat's still the case? Yep. Perfect. Income at around 77,000. Beautiful.\n\nI'll just update that. Mhmm. Ah, yeah. That's 20. And is that from an investment property?\n\nOh, yeah. Okay. Perfect. And that was 20,000, did you say, a year? Yes.\n\nAlright. Perf yep. That's great. Now I can also see here that you are doing the $75 a week contribution salary sacrifice, which is great. So that's all dropping into your account.\n\nAnd your employer is still just paying that standard 12% contribution rate into super. That hasn't changed. There's no EBAs or anything like that in place. Yep. Perfect.\n\nNow asset wise, I do wanna just check if what I have here is correct. So I have your property is valued at about 1,400,000. Is that correct? Yep. Beautiful.\n\nAnd I have mortgage of around 465. About $4.60. Perfect. I also have a tractor of about 30,000. Yep.\n\nYep. And you don't have anything owing on that one, do you? No. Perfect. Yep.\n\nAnd then I also have a huge at about 20,000. About yep. Unfortunately, cars do appreciate, don't they? And you don't have yeah. And you don't have anything owing on that one either, do you, Wade?\n\nNo. Beautiful. Is there any other new assets that we haven't gone through? Any motorbikes or boats or anything else? Oh, yeah.\n\nNo. That's not too bad. Sorry. Is that two of them? Is that two motorbikes?\n\nYep. Oh, beautiful. That's good. And any other liabilities, like personal loans or credit card or ZipPay or anything? Perfect.\n\nYep. And is that mainly used for, like, points and stuff? Yeah. Yes. Okay.\n\nBeautiful. Perfect. That's good. And when it comes through health and lifestyle, I have here a note that you used to be a smoker, but stopped would have been over six months ago now. Is that correct?\n\nNo. That's okay. When because I do have a little note here from Tommy, so I might just amend that. So if you do, at any point, decide to to stop smoking or vaping or any nicotine, essentially, just with the insurances. So when and if it has been a twelve month, just let us know because that's when we can look at removing those rates if that ever becomes applicable for you.\n\nSo just kind of keep that in mind. If not, we usually touch base in regards to it during under review, so each year, and see how things are how things are progressing as well. Yep. Beautiful. Now any other significant health issues or injuries or anything?\n\nNope. That's great. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Okay. That's Alicia's in the pro Alicia's in the process.\n\nYeah. That's good. It's one of those things that everyone's always like, oh, yeah. I know I should get onto it. But then, obviously, life gets in the way and things happen.\n\nSo that's understandable. But at least it's kind of on the radar anyway to have a look at, which is good. Now, also, when it comes to your superannuation and your insurances, I can see here that we don't currently have a nomination on file for for that. Do you remember receiving those forms at all? Mhmm.\n\nOkay. Yeah. Sure. Yes. That's the one.\n\nYep. Okay. Yeah. Yep. Beautiful.\n\nAnd then you can always scan it and send it back or and then we can get that all uploaded for you. Now when it comes through the nomination, if you have any questions, because they can be a little bit convoluted. There are different rules and legislation in place on who you can nominate. Do you have any questions or idea of who you would like to nominate? Okay.\n\nWhen when you have decided, let us know. But, essentially, just as a brief overview for you, they do make it quite strict on who you can actually nominate directly through the CSAC. So the only people that you can put, like, straight down on the form is either a spouse, a child, or someone who is financially dependent on you or you are in a interdependency relationship. Basically, what that means is someone who must remain financially dependent on you at the time of your passing, and you need to have a close personal relationship while living together and providing financial or domestic or personal care support. So they make it quite strict.\n\nNow if, for instance yeah. So now if, for instance, you wanted to nominate parents or siblings, nephews and niece, friends, whatever it might be that don't fall into this particular category, you can still nominate them. We would just have to structure it a little bit differently. So what you would do, if that is something you do decide, is on the form, you would just select that it goes through a legal personal representative, which is one of the boxes on the form. Basically, what that means is that it just reverts back to your will.\n\nAnd then in your will, you can nominate whoever you want to. So in your will, you could say you would like your super to go through x. You want your insurance to go through x person, and that is perfectly fine. No. So on the form, there should be a box where you can put a nomination so you can choose.\n\nIt says, like, name, date of birth, and stuff, but there's also a box where it says LPR, so legal personal representative. There should be a little tick tick box. And there's nothing next to that. Okay. Let me see.\n\nAlright. Let me see. If I alright. Let me see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. Yeah.\n\nYes. That is correct. Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary, first. Alright. Let me see.\n\nOkay. Sorry. I have it here in front of me. Let me just find where it says. Yes.\n\nSorry. Okay. At the bottom. So it's kind of hidden a little bit. So yeah.\n\nSo it says legal personal. Personal. So you can just put a 100% in this box if that is what you decide. And then in your will, you can nominate multiple people. You can break down a percentage how you want it to go to each person.\n\nBut this basically means that it would just go back to your estate. So, essentially, you are numb yeah. And at the top, so under number two, it says nominated beneficiaries. Because, obviously, it's a new policy and we don't have a nomination in file, you would just tick the first box where it says I am making my first non lapsing binding Beth nomination. Yep.\n\nYep. And just for your reference, because there are a few different ways you can nominate. So when you go to the Superfund section, you will see a few different options. So nonlapsing, what that means is basically stays in place. It is it stays in place until you decide that you wanna change it, which is good.\n\nNow on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the form. Yep. And then the other confusing thing is that you can then choose a binding or nonbinding option. So a binding option, kind of what the name says, it means that trustee, so of your super fund and your insurance are are basically bound by follow your wishes. So it is the most certain.\n\nThe nonbinding basically tells them that this is what you want to have happen, but they ultimately have the discretion of deciding if they feel like there's someone else that has a better claim to it. So binding gives you more certainty. Yeah. Does that make sense? I know it can be a bit confusing.\n\nThey don't they don't make it easy. Yeah. Okay. Beautiful. Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same?\n\nYep. Yep. Beautiful. Now when it comes to your risk profile, so if it's been a while since we've gone kind of spoken to you when it comes to your investments, we tend to go through, like, a new updated risk profile questionnaire to see if anything has changed. But I know you went through all of that with Tommy not long ago.\n\nSo, essentially, we have you invested in your growth portfolio. Do you remember what it means to be a growth investor at all when you spoke to Tommy? Yeah. So it yeah. So it's kind of somewhere in the middle where you are focusing on, obviously, maximizing growth in your superannuation while you still have plenty of time until retirement, but also that you understand that there will be some short term fluctuations because of it.\n\nIt it is kind of a good position. So it's not like your high growth and aggressive, but it is not your defensive and moderate either. So it is kind of somewhere in the middle where you are focusing on growth, wanting a little bit of a defensive portion, but only about 20%. 80% is dedicated to those growth investments to grow your super as much as possible. Do you still feel like that's, like, aligning with you?\n\nYep. Yep. And also from a time frame, so when it comes to the risk profile, what is also important aside from, obviously, where you are comfortable with is time. So making sure that you have enough time in the market for, you know, the the little short term fluctuations. And in a growth portfolio, ideally, we would like to see six years until retirement to make sure you have enough of those like, enough time for the fluctuations, which you certainly have.\n\nSo from a time frame point of view, you are in a good position as well. Yep. Perfect. Now the the last thing, right, is to just give you a bit of a rundown of basically your insurances and your superannuation and where everything is at. Now because are you still driving at the moment?\n\nOkay. Yeah. Sure. Yep. You just let me know when you're back.\n\nMhmm. It's okay. Yep. Perfect. So, essentially, the next part is just to go through those documents.\n\nI have emailed them to you if you have option of accessing them. It makes it a bit easier for you. But if you're driving and and need to get to places, then I can always just run through them with you on the phone. And then later, when it's safe for you to do so when you have time, you can then have a look through them. If you have any questions, you can then let me know.\n\nYeah. Okay. Perfect. So I have sent you an email. Now it is directly from me.\n\nWhen you get through the email, it will say click on this link to sign now or something like that. You just have to click on the link first to open up all the documents. Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything. Does that make sense? Yep.\n\nYep. Yeah. Yeah. Basically, same for when you did the the SOA presentation. Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances.\n\nBut you do have your super with hub twenty four, and you do have a $164,892 in there. And then you also have insurances with Zurich. So you have life and total permanent disability insurance, and that is $1,000,000. Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals? Yep.\n\nYep. If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work. So it's still a decent amount for you. And then you also have income protection, and that is covering you for $4,492 per month. You do have a thirty day waiting period on that one, and the benefit for five years.\n\nThose three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%. So total premium for all those three is $2,542. Any questions with any of those? No. Perfect.\n\nAnd then you also have trauma insurance. So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts. So it makes it a little bit cheaper for you. That is paid out of pocket, and it's about $73.88 per month. Yep.\n\nPerfect. Now the next document you will see when you have a look at the email is a bit of a performance report. So it shows you your portfolio in Hub twenty four to how your money is invested. It breaks down all your individual investments and how they have performed as well. Now your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago.\n\nSo it might look like you have a little bit more different investments in there, but that is just because you sold out of some and bought some. So it might look a little bit messy, but that is basically to show you, where you have your money and how each investment have performed. Now, obviously yeah. Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything. So we have seen a bit of fluctuations in the market recently.\n\nIn saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months. Yep. Yep. Perfect. Now the next document you will see is just a Vanguard index chart.\n\nBasically, what it is, it is a graph, and it just shows you it's kind of a good visual representation of what we are talking about when we are talking about the market. When you do have a look at it, you can essentially see that over the long term, market always goes up. But short term, you will have some ups and downs and market fluctuations. Yep. Now the next three documents, it is just your certificate of currency with Zurich.\n\nSo it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for you. Then the second last document, it is your OQ services guide. You would have seen this one with Tommy as well. It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU. If you do have a bit of a read over it, you will see the directors, all our advisers.\n\nYou can see Tommy actually on page nine if you wanna put a face to the voice. And then page 10, you can see myself as well if you do wanna put a face to who you are talking to. Yep. Perfect. Now the last document, it is your ongoing service agreement.\n\nNow this one here is where it will ask you to to sign if you are happy to do so. And, basically, what it is, it is just to say that you are happy to stay on as a client. Now there is no changes at all in regards to the fee structure for you. It stays exactly the same at 1.65, and it is not a lock in contract. So if at any point in time, you are not happy, this is not a lock in contract.\n\nBut by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime. Does that make sense? Yep. Yep. Beautiful.\n\nSo that is essentially the documents and what I have had to run through with you today. Before I kind of let you go and get on with your day, do you have any other questions for me? No? Yeah. Yeah.\n\nBeautiful. So when you have a moment, have a look through that email for me. If you have any questions, just give me a call or or send us an email. Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me. And I will get that all loaded and uploaded for you.\n\nAnd I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you. Yep. Beautiful. Well, I will let you go away to get on with your day. But if there's anything you need at any point in time, don't hesitate to give us a call.\n\nOkay? No problem at all. You have a good rest of your day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Wade.","start":3.76,"end":4.56,"sentiment":"positive","sentiment_score":0.34005383650461835},{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.58,"sentiment":"neutral","sentiment_score":0.2892608344554901},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2161287268002828},{"text":"Yeah.","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":0.3303416073322296},{"text":"I'm good.","start":10.639999,"end":11.12,"sentiment":"positive","sentiment_score":0.4909350723028183}],"sentiment":"neutral","sentiment_score":0.31442162990570066,"num_words":15,"start":3.76,"end":11.12},{"sentences":[{"text":"Thank you.","start":11.12,"end":11.94,"sentiment":"positive","sentiment_score":0.640187531709671},{"text":"I had you booked in to go over your under review for you.","start":12.924999,"end":15.964999,"sentiment":"neutral","sentiment_score":0.2453169306883445},{"text":"Is now still a good time?","start":15.964999,"end":17.425,"sentiment":"neutral","sentiment_score":0.17907006541887918},{"text":"Yeah?","start":20.045,"end":20.445,"sentiment":"neutral","sentiment_score":0.13879942893981934},{"text":"Okay.","start":20.445,"end":20.945,"sentiment":"neutral","sentiment_score":0.2172086238861084}],"sentiment":"neutral","sentiment_score":0.25651841772639233,"num_words":23,"start":11.12,"end":20.945},{"sentences":[{"text":"Perfect.","start":21.005,"end":21.505,"sentiment":"neutral","sentiment_score":0.32212042808532715},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":22.845,"end":30.72,"sentiment":"neutral","sentiment_score":0.04295287248013275},{"text":"Yep.","start":32.94,"end":33.44,"sentiment":"neutral","sentiment_score":0.10612982511520386},{"text":"Perfect.","start":33.5,"end":34.0,"sentiment":"neutral","sentiment_score":0.23837000131607056},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please?","start":34.22,"end":44.135002,"sentiment":"neutral","sentiment_score":0.08969961245145117}],"sentiment":"neutral","sentiment_score":0.07589071393577439,"num_words":66,"start":21.005,"end":44.135002},{"sentences":[{"text":"Perfect.","start":53.65,"end":53.730003,"sentiment":"neutral","sentiment_score":0.24500848352909088},{"text":"And how's your morning been?","start":53.730003,"end":55.010002,"sentiment":"neutral","sentiment_score":0.09544620364904403},{"text":"Been busy?","start":55.010002,"end":55.670002,"sentiment":"neutral","sentiment_score":0.0015818141400814065},{"text":"Yeah.","start":57.890003,"end":58.390003,"sentiment":"neutral","sentiment_score":-0.024243323132395744},{"text":"Yeah.","start":67.25,"end":67.65,"sentiment":"neutral","sentiment_score":0.06355762481689453}],"sentiment":"neutral","sentiment_score":0.07647174317389727,"num_words":10,"start":53.65,"end":67.65},{"sentences":[{"text":"Sure.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.10488961637020112},{"text":"That's no stress.","start":67.97,"end":68.87,"sentiment":"neutral","sentiment_score":0.15599241852760315},{"text":"Just let me know.","start":68.975,"end":69.875,"sentiment":"neutral","sentiment_score":0.181418314576149},{"text":"That is no problem.","start":70.895,"end":72.59499,"sentiment":"neutral","sentiment_score":0.18965895101428032},{"text":"Now I also know that you did have a pretty big discussion with my colleague, Tommy.","start":73.215,"end":77.55499,"sentiment":"neutral","sentiment_score":0.1190131395123899}],"sentiment":"neutral","sentiment_score":0.14147807737546308,"num_words":28,"start":67.65,"end":77.55499},{"sentences":[{"text":"We did advise not too long ago.","start":78.09499,"end":80.274994,"sentiment":"neutral","sentiment_score":0.1335234588810376},{"text":"So today should be pretty straightforward and not take up too much of your time today.","start":80.655,"end":85.47,"sentiment":"neutral","sentiment_score":0.16829653922468424},{"text":"It's just kind of just kind of recapping everything and see where everything is at.","start":85.47,"end":89.729996,"sentiment":"neutral","sentiment_score":0.10270364185174306},{"text":"But before I kind of jump into it, do you have any particular questions or anything you want me to focus on?","start":90.189995,"end":97.335,"sentiment":"neutral","sentiment_score":-0.032067642039196056},{"text":"No.","start":100.675,"end":100.995,"sentiment":"neutral","sentiment_score":-0.07819678634405136}],"sentiment":"neutral","sentiment_score":0.07187341895626216,"num_words":61,"start":78.09499,"end":100.995},{"sentences":[{"text":"Just just just a bit of a catch up.","start":100.995,"end":103.175,"sentiment":"neutral","sentiment_score":-0.0880156805117925},{"text":"Yeah.","start":105.475006,"end":105.875,"sentiment":"neutral","sentiment_score":0.06583680212497711},{"text":"Beautiful.","start":105.875,"end":106.375,"sentiment":"neutral","sentiment_score":0.20682257413864136},{"text":"Now, Wade, what I will do first is just to go through just a quick fact find just to see if there is anything that has changed between when you spoke to Tommy and now if we need to make any tweaks and changes to your advice.","start":106.595,"end":120.8,"sentiment":"neutral","sentiment_score":0.09797439827246869},{"text":"So just bear with me as I do confirm this.","start":121.42,"end":124.425,"sentiment":"neutral","sentiment_score":0.10832908079028129}],"sentiment":"neutral","sentiment_score":0.07600890850538716,"num_words":68,"start":100.995,"end":124.425},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as single with no financial dependence.","start":125.625,"end":132.845,"sentiment":"neutral","sentiment_score":0.09651320231588263},{"text":"Is that correct?","start":132.905,"end":133.80501,"sentiment":"neutral","sentiment_score":0.10155600309371948},{"text":"Yep.","start":135.225,"end":135.625,"sentiment":"neutral","sentiment_score":0.13707032799720764},{"text":"Beautiful.","start":135.625,"end":136.125,"sentiment":"positive","sentiment_score":0.34888267517089844},{"text":"And next up, Kim.","start":136.345,"end":137.34999,"sentiment":"neutral","sentiment_score":0.15916593372821808}],"sentiment":"neutral","sentiment_score":0.11646555683442525,"num_words":28,"start":125.625,"end":137.34999},{"sentences":[{"text":"So in the event that something were to happen to you, I have Joe nominated.","start":137.34999,"end":142.17,"sentiment":"neutral","sentiment_score":0.06407777580122152},{"text":"Yeah.","start":144.15,"end":144.47,"sentiment":"neutral","sentiment_score":0.06500121206045151},{"text":"And what's their relationship to you?","start":144.47,"end":146.79,"sentiment":"neutral","sentiment_score":0.02530437024931113},{"text":"Just so I can note that down as well.","start":146.79,"end":148.65,"sentiment":"neutral","sentiment_score":0.0456748323308097},{"text":"Perfect.","start":151.91,"end":152.41,"sentiment":"positive","sentiment_score":0.5155417323112488}],"sentiment":"neutral","sentiment_score":0.06576904043322429,"num_words":32,"start":137.34999,"end":152.41},{"sentences":[{"text":"And phone number hasn't changed.","start":153.43501,"end":155.29501,"sentiment":"neutral","sentiment_score":0.08362628035247326},{"text":"Still ends in 491.","start":155.35501,"end":157.13501,"sentiment":"neutral","sentiment_score":0.02269391342997551},{"text":"Yep.","start":159.835,"end":160.335,"sentiment":"neutral","sentiment_score":0.07952814549207687},{"text":"Perfect.","start":160.395,"end":160.895,"sentiment":"neutral","sentiment_score":0.2762294113636017},{"text":"Occupation wise, I have you down there as an account manager.","start":161.675,"end":164.55501,"sentiment":"neutral","sentiment_score":0.03784309429201213}],"sentiment":"neutral","sentiment_score":0.058224484070458195,"num_words":22,"start":153.43501,"end":164.55501},{"sentences":[{"text":"That's still the case?","start":164.55501,"end":165.63,"sentiment":"neutral","sentiment_score":0.01200009067542851},{"text":"Yep.","start":167.15001,"end":167.63,"sentiment":"neutral","sentiment_score":0.09106706082820892},{"text":"Perfect.","start":167.63,"end":168.13,"sentiment":"positive","sentiment_score":0.3377138376235962},{"text":"Income at around 77,000.","start":169.39,"end":171.73001,"sentiment":"neutral","sentiment_score":0.2007220759987831},{"text":"Beautiful.","start":177.63,"end":178.13,"sentiment":"positive","sentiment_score":0.5972222089767456}],"sentiment":"neutral","sentiment_score":0.17062652492049066,"num_words":11,"start":164.55501,"end":178.13},{"sentences":[{"text":"I'll just update that.","start":178.725,"end":180.10501,"sentiment":"positive","sentiment_score":0.37593627721071243},{"text":"Mhmm.","start":183.125,"end":183.625,"sentiment":"neutral","sentiment_score":0.06317925453186035},{"text":"Ah, yeah.","start":188.24501,"end":189.845,"sentiment":"neutral","sentiment_score":0.03221754636615515},{"text":"That's 20.","start":189.845,"end":190.74501,"sentiment":"neutral","sentiment_score":0.032073620706796646},{"text":"And is that from an investment property?","start":190.80501,"end":192.69,"sentiment":"neutral","sentiment_score":0.018153122360152856}],"sentiment":"neutral","sentiment_score":0.11391115962760523,"num_words":16,"start":178.725,"end":192.69},{"sentences":[{"text":"Oh, yeah.","start":197.63,"end":198.03,"sentiment":"neutral","sentiment_score":0.05515134893357754},{"text":"Okay.","start":198.03,"end":198.51,"sentiment":"neutral","sentiment_score":0.1017550379037857},{"text":"Perfect.","start":198.51,"end":199.01,"sentiment":"neutral","sentiment_score":0.2232120931148529},{"text":"And that was 20,000, did you say, a year?","start":199.55,"end":202.85,"sentiment":"neutral","sentiment_score":0.059004323143098086},{"text":"Yes.","start":203.87,"end":204.37,"sentiment":"neutral","sentiment_score":0.08931536227464676}],"sentiment":"neutral","sentiment_score":0.07540172138916594,"num_words":14,"start":197.63,"end":204.37},{"sentences":[{"text":"Alright.","start":204.51,"end":205.01,"sentiment":"neutral","sentiment_score":0.1878403127193451},{"text":"Perf yep.","start":205.31,"end":206.91,"sentiment":"neutral","sentiment_score":0.3184860497713089},{"text":"That's great.","start":206.91,"end":207.81,"sentiment":"positive","sentiment_score":0.6847516596317291},{"text":"Now I can also see here that you are doing the $75 a week contribution salary sacrifice, which is great.","start":209.54501,"end":217.225,"sentiment":"neutral","sentiment_score":0.2450004667043686},{"text":"So that's all dropping into your account.","start":217.225,"end":219.24501,"sentiment":"neutral","sentiment_score":0.16871558342661178}],"sentiment":"neutral","sentiment_score":0.2586041921749711,"num_words":32,"start":204.51,"end":219.24501},{"sentences":[{"text":"And your employer is still just paying that standard 12% contribution rate into super.","start":219.865,"end":224.81999,"sentiment":"neutral","sentiment_score":-0.0026221823479448047},{"text":"That hasn't changed.","start":225.2,"end":226.24,"sentiment":"neutral","sentiment_score":-0.014979800830284754},{"text":"There's no EBAs or anything like that in place.","start":226.24,"end":228.81999,"sentiment":"neutral","sentiment_score":-0.007058472993473212},{"text":"Yep.","start":230.8,"end":231.28,"sentiment":"neutral","sentiment_score":0.111979141831398},{"text":"Perfect.","start":231.28,"end":231.78,"sentiment":"neutral","sentiment_score":0.32902950048446655}],"sentiment":"neutral","sentiment_score":0.010565443929018719,"num_words":28,"start":219.865,"end":231.78},{"sentences":[{"text":"Now asset wise, I do wanna just check if what I have here is correct.","start":232.88,"end":236.98,"sentiment":"neutral","sentiment_score":0.0878691424926122},{"text":"So I have your property is valued at about 1,400,000.","start":237.04,"end":240.385,"sentiment":"neutral","sentiment_score":0.04946830384433269},{"text":"Is that correct?","start":240.44499,"end":241.42499,"sentiment":"neutral","sentiment_score":0.04976144308845202},{"text":"Yep.","start":242.92499,"end":243.245,"sentiment":"neutral","sentiment_score":0.12181098759174348},{"text":"Beautiful.","start":243.245,"end":243.745,"sentiment":"positive","sentiment_score":0.4316008388996124}],"sentiment":"neutral","sentiment_score":0.08384721105297406,"num_words":30,"start":232.88,"end":243.745},{"sentences":[{"text":"And I have mortgage of around 465.","start":243.805,"end":247.025,"sentiment":"neutral","sentiment_score":0.13862420192786626},{"text":"About $4.60.","start":250.765,"end":251.825,"sentiment":"neutral","sentiment_score":0.08289949968457222},{"text":"Perfect.","start":252.045,"end":252.545,"sentiment":"positive","sentiment_score":0.4065743088722229},{"text":"I also have a tractor of about 30,000.","start":253.62001,"end":257.56,"sentiment":"neutral","sentiment_score":0.15041831880807877},{"text":"Yep.","start":260.18,"end":260.5,"sentiment":"neutral","sentiment_score":0.05701234936714173}],"sentiment":"neutral","sentiment_score":0.1475316642930633,"num_words":19,"start":243.805,"end":260.5},{"sentences":[{"text":"Yep.","start":260.5,"end":260.74,"sentiment":"neutral","sentiment_score":0.05782958120107651},{"text":"And you don't have anything owing on that one, do you?","start":260.74,"end":263.08002,"sentiment":"neutral","sentiment_score":0.005262355574152686},{"text":"No.","start":264.34,"end":264.74,"sentiment":"neutral","sentiment_score":-0.13106311857700348},{"text":"Perfect.","start":264.74,"end":265.24,"sentiment":"neutral","sentiment_score":-0.04786676540970802},{"text":"Yep.","start":266.18,"end":266.68,"sentiment":"neutral","sentiment_score":0.017323894426226616}],"sentiment":"neutral","sentiment_score":-0.003059366469581922,"num_words":15,"start":260.5,"end":266.68},{"sentences":[{"text":"And then I also have a huge at about 20,000.","start":267.115,"end":271.055,"sentiment":"neutral","sentiment_score":0.011884528305381536},{"text":"About yep.","start":279.435,"end":280.11,"sentiment":"neutral","sentiment_score":-0.039095060899853706},{"text":"Unfortunately, cars do appreciate, don't they?","start":280.50998,"end":283.72998,"sentiment":"neutral","sentiment_score":-0.20841918078561625},{"text":"And you don't have yeah.","start":285.06998,"end":286.90997,"sentiment":"neutral","sentiment_score":-0.018828488886356354},{"text":"And you don't have anything owing on that one either, do you, Wade?","start":286.90997,"end":289.81,"sentiment":"neutral","sentiment_score":-0.021341642436499778}],"sentiment":"neutral","sentiment_score":-0.04392899221016301,"num_words":36,"start":267.115,"end":289.81},{"sentences":[{"text":"No.","start":290.59,"end":291.09,"sentiment":"neutral","sentiment_score":0.06894829869270325},{"text":"Beautiful.","start":291.31,"end":291.81,"sentiment":"positive","sentiment_score":0.37586432695388794},{"text":"Is there any other new assets that we haven't gone through?","start":292.365,"end":295.325,"sentiment":"neutral","sentiment_score":0.04681261137805202},{"text":"Any motorbikes or boats or anything else?","start":295.325,"end":299.105,"sentiment":"neutral","sentiment_score":0.019557750916906765},{"text":"Oh, yeah.","start":309.02002,"end":309.42,"sentiment":"neutral","sentiment_score":0.009187047835439444}],"sentiment":"neutral","sentiment_score":0.05068316831338135,"num_words":22,"start":290.59,"end":309.42},{"sentences":[{"text":"No.","start":309.42,"end":309.58002,"sentiment":"neutral","sentiment_score":0.006236959248781204},{"text":"That's not too bad.","start":309.58002,"end":310.94,"sentiment":"neutral","sentiment_score":0.0369714954867959},{"text":"Sorry.","start":310.94,"end":311.34003,"sentiment":"neutral","sentiment_score":0.011732187122106552},{"text":"Is that two of them?","start":311.34003,"end":312.48,"sentiment":"neutral","sentiment_score":0.00362898176535964},{"text":"Is that two motorbikes?","start":315.26,"end":316.455,"sentiment":"neutral","sentiment_score":-0.0027576200664043427}],"sentiment":"neutral","sentiment_score":0.011531303791950146,"num_words":15,"start":309.42,"end":316.455},{"sentences":[{"text":"Yep.","start":323.81497,"end":324.31497,"sentiment":"neutral","sentiment_score":0.06785231828689575},{"text":"Oh, beautiful.","start":333.87003,"end":334.61002,"sentiment":"positive","sentiment_score":0.3617739677429199},{"text":"That's good.","start":335.79,"end":336.69,"sentiment":"positive","sentiment_score":0.4913933277130127},{"text":"And any other liabilities, like personal loans or credit card or ZipPay or anything?","start":337.07,"end":342.61002,"sentiment":"neutral","sentiment_score":0.06880559639206954},{"text":"Perfect.","start":354.60498,"end":355.10498,"sentiment":"neutral","sentiment_score":0.14302557706832886}],"sentiment":"neutral","sentiment_score":0.14402454178780316,"num_words":20,"start":323.81497,"end":355.10498},{"sentences":[{"text":"Yep.","start":355.485,"end":355.985,"sentiment":"neutral","sentiment_score":0.04975666105747223},{"text":"And is that mainly used for, like, points and stuff?","start":356.24,"end":358.98,"sentiment":"neutral","sentiment_score":0.019543988164514303},{"text":"Yeah.","start":361.2,"end":361.7,"sentiment":"neutral","sentiment_score":0.017733927816152573},{"text":"Yes.","start":366.64,"end":367.04,"sentiment":"neutral","sentiment_score":0.06550243496894836},{"text":"Okay.","start":367.04,"end":367.44,"sentiment":"neutral","sentiment_score":0.1380569487810135}],"sentiment":"neutral","sentiment_score":0.033320703876337836,"num_words":14,"start":355.485,"end":367.44},{"sentences":[{"text":"Beautiful.","start":367.44,"end":367.94,"sentiment":"positive","sentiment_score":0.3391917645931244},{"text":"Perfect.","start":369.98502,"end":370.48502,"sentiment":"positive","sentiment_score":0.4328719973564148},{"text":"That's good.","start":370.785,"end":371.52502,"sentiment":"positive","sentiment_score":0.41536860167980194},{"text":"And when it comes through health and lifestyle, I have here a note that you used to be a smoker, but stopped would have been over six months ago now.","start":371.74503,"end":386.18,"sentiment":"neutral","sentiment_score":0.0007527116065224012},{"text":"Is that correct?","start":386.18,"end":387.0,"sentiment":"neutral","sentiment_score":0.008167069405317307}],"sentiment":"neutral","sentiment_score":0.044591446532993705,"num_words":37,"start":367.44,"end":387.0},{"sentences":[{"text":"No.","start":391.46,"end":391.7,"sentiment":"neutral","sentiment_score":-0.1697760820388794},{"text":"That's okay.","start":391.7,"end":392.52,"sentiment":"neutral","sentiment_score":-0.10645071417093277},{"text":"When because I do have a little note here from Tommy, so I might just amend that.","start":395.295,"end":399.05502,"sentiment":"neutral","sentiment_score":-0.012864501927705371},{"text":"So if you do, at any point, decide to to stop smoking or vaping or any nicotine, essentially, just with the insurances.","start":399.05502,"end":409.58002,"sentiment":"neutral","sentiment_score":-0.021421495486389507},{"text":"So when and if it has been a twelve month, just let us know because that's when we can look at removing those rates if that ever becomes applicable for you.","start":410.12003,"end":421.64,"sentiment":"neutral","sentiment_score":0.011155468201444994}],"sentiment":"neutral","sentiment_score":-0.009956540131609733,"num_words":73,"start":391.46,"end":421.64},{"sentences":[{"text":"So just kind of keep that in mind.","start":421.64,"end":423.315,"sentiment":"neutral","sentiment_score":0.056078055407851934},{"text":"If not, we usually touch base in regards to it during under review, so each year, and see how things are how things are progressing as well.","start":423.395,"end":431.335,"sentiment":"neutral","sentiment_score":0.11126877571007719},{"text":"Yep.","start":432.835,"end":433.315,"sentiment":"neutral","sentiment_score":0.2762659788131714},{"text":"Beautiful.","start":433.315,"end":433.815,"sentiment":"positive","sentiment_score":0.6783461570739746},{"text":"Now any other significant health issues or injuries or anything?","start":434.755,"end":440.45,"sentiment":"neutral","sentiment_score":0.039601898193359374}],"sentiment":"neutral","sentiment_score":0.10220239372884339,"num_words":47,"start":421.64,"end":440.45},{"sentences":[{"text":"Nope.","start":440.91,"end":441.41,"sentiment":"neutral","sentiment_score":0.09423085302114488},{"text":"That's great.","start":441.79,"end":442.69,"sentiment":"positive","sentiment_score":0.6245043873786926},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place?","start":444.11002,"end":452.985,"sentiment":"neutral","sentiment_score":0.08776857805523006},{"text":"Okay.","start":457.285,"end":457.785,"sentiment":"neutral","sentiment_score":-0.027735376730561256},{"text":"That's Alicia's in the pro Alicia's in the process.","start":462.965,"end":465.785,"sentiment":"neutral","sentiment_score":0.05315196514129639}],"sentiment":"neutral","sentiment_score":0.10642230441527707,"num_words":35,"start":440.91,"end":465.785},{"sentences":[{"text":"Yeah.","start":470.33002,"end":470.73,"sentiment":"neutral","sentiment_score":0.19738760590553284},{"text":"That's good.","start":470.73,"end":471.47,"sentiment":"positive","sentiment_score":0.40965117514133453},{"text":"It's one of those things that everyone's always like, oh, yeah.","start":471.77002,"end":474.57,"sentiment":"neutral","sentiment_score":0.07099161330949176},{"text":"I know I should get onto it.","start":474.57,"end":476.35,"sentiment":"neutral","sentiment_score":0.000657893717288971},{"text":"But then, obviously, life gets in the way and things happen.","start":476.49002,"end":480.27002,"sentiment":"neutral","sentiment_score":-0.10919991440393707}],"sentiment":"neutral","sentiment_score":0.018781371880322695,"num_words":32,"start":470.33002,"end":480.27002},{"sentences":[{"text":"So that's understandable.","start":480.97,"end":482.255,"sentiment":"neutral","sentiment_score":-0.0010643759742379189},{"text":"But at least it's kind of on the radar anyway to have a look at, which is good.","start":482.475,"end":488.655,"sentiment":"neutral","sentiment_score":0.21201578858825895},{"text":"Now, also, when it comes to your superannuation and your insurances, I can see here that we don't currently have a nomination on file for for that.","start":490.235,"end":502.74002,"sentiment":"neutral","sentiment_score":-0.02523322590988957},{"text":"Do you remember receiving those forms at all?","start":503.44,"end":506.98,"sentiment":"neutral","sentiment_score":0.020345437107607722},{"text":"Mhmm.","start":509.28,"end":509.595,"sentiment":"neutral","sentiment_score":0.01190582849085331}],"sentiment":"neutral","sentiment_score":0.0580081279377306,"num_words":57,"start":480.97,"end":509.595},{"sentences":[{"text":"Okay.","start":516.555,"end":517.055,"sentiment":"neutral","sentiment_score":0.007741577923297882},{"text":"Yeah.","start":520.715,"end":520.955,"sentiment":"neutral","sentiment_score":0.01755087822675705},{"text":"Sure.","start":520.955,"end":521.455,"sentiment":"neutral","sentiment_score":0.03569526970386505},{"text":"Yes.","start":561.74,"end":562.155,"sentiment":"neutral","sentiment_score":0.026466939598321915},{"text":"That's the one.","start":562.315,"end":563.135,"sentiment":"neutral","sentiment_score":0.02295092244942983}],"sentiment":"neutral","sentiment_score":0.02232963325721877,"num_words":7,"start":516.555,"end":563.135},{"sentences":[{"text":"Yep.","start":564.075,"end":564.575,"sentiment":"neutral","sentiment_score":0.06065717339515686},{"text":"Okay.","start":567.275,"end":567.775,"sentiment":"neutral","sentiment_score":0.07660136371850967},{"text":"Yeah.","start":570.155,"end":570.655,"sentiment":"neutral","sentiment_score":0.0401199646294117},{"text":"Yep.","start":572.47504,"end":572.875,"sentiment":"neutral","sentiment_score":0.1573387235403061},{"text":"Beautiful.","start":572.875,"end":573.375,"sentiment":"positive","sentiment_score":0.47949352860450745}],"sentiment":"neutral","sentiment_score":0.16284215077757835,"num_words":5,"start":564.075,"end":573.375},{"sentences":[{"text":"And then you can always scan it and send it back or and then we can get that all uploaded for you.","start":573.43506,"end":581.89,"sentiment":"neutral","sentiment_score":0.18233214056288655},{"text":"Now when it comes through the nomination, if you have any questions, because they can be a little bit convoluted.","start":581.89,"end":590.225,"sentiment":"neutral","sentiment_score":-0.037798629608005285},{"text":"There are different rules and legislation in place on who you can nominate.","start":591.005,"end":594.445,"sentiment":"neutral","sentiment_score":-0.07213126194591706},{"text":"Do you have any questions or idea of who you would like to nominate?","start":594.445,"end":598.945,"sentiment":"neutral","sentiment_score":0.025402318154062544},{"text":"Okay.","start":604.02,"end":604.52,"sentiment":"neutral","sentiment_score":-0.06856262683868408}],"sentiment":"neutral","sentiment_score":0.03720997031778097,"num_words":70,"start":573.43506,"end":604.52},{"sentences":[{"text":"When when you have decided, let us know.","start":606.66003,"end":615.22003,"sentiment":"neutral","sentiment_score":-0.049079482443630695},{"text":"But, essentially, just as a brief overview for you, they do make it quite strict on who you can actually nominate directly through the CSAC.","start":615.22003,"end":625.815,"sentiment":"neutral","sentiment_score":-0.09927457369863987},{"text":"So the only people that you can put, like, straight down on the form is either a spouse, a child, or someone who is financially dependent on you or you are in a interdependency relationship.","start":625.955,"end":641.41,"sentiment":"neutral","sentiment_score":-0.07522338133837496},{"text":"Basically, what that means is someone who must remain financially dependent on you at the time of your passing, and you need to have a close personal relationship while living together and providing financial or domestic or personal care support.","start":642.58997,"end":658.785,"sentiment":"neutral","sentiment_score":-0.11945566330105066},{"text":"So they make it quite strict.","start":659.40497,"end":661.45996,"sentiment":"neutral","sentiment_score":-0.2756778026620547}],"sentiment":"neutral","sentiment_score":-0.10473343769186422,"num_words":114,"start":606.66003,"end":661.45996},{"sentences":[{"text":"Now if, for instance yeah.","start":662.31995,"end":665.6,"sentiment":"neutral","sentiment_score":0.013021821528673172},{"text":"So now if, for instance, you wanted to nominate parents or siblings, nephews and niece, friends, whatever it might be that don't fall into this particular category, you can still nominate them.","start":665.6,"end":679.26495,"sentiment":"neutral","sentiment_score":0.050812612229492515},{"text":"We would just have to structure it a little bit differently.","start":679.26495,"end":682.08496,"sentiment":"neutral","sentiment_score":-0.05567070740190419},{"text":"So what you would do, if that is something you do decide, is on the form, you would just select that it goes through a legal personal representative, which is one of the boxes on the form.","start":682.625,"end":697.11,"sentiment":"neutral","sentiment_score":0.020070201239070377},{"text":"Basically, what that means is that it just reverts back to your will.","start":698.05,"end":702.57495,"sentiment":"neutral","sentiment_score":-0.023189433492147006}],"sentiment":"neutral","sentiment_score":0.015508874775651766,"num_words":98,"start":662.31995,"end":702.57495},{"sentences":[{"text":"And then in your will, you can nominate whoever you want to.","start":703.035,"end":707.435,"sentiment":"neutral","sentiment_score":0.0804271853218476},{"text":"So in your will, you could say you would like your super to go through x.","start":707.435,"end":712.235,"sentiment":"neutral","sentiment_score":0.02482455123026739},{"text":"You want your insurance to go through x person, and that is perfectly fine.","start":712.235,"end":722.19,"sentiment":"neutral","sentiment_score":-0.035325905574219565},{"text":"No.","start":723.44995,"end":723.76996,"sentiment":"neutral","sentiment_score":-0.20136308670043945},{"text":"So on the form, there should be a box where you can put a nomination so you can choose.","start":723.76996,"end":733.02496,"sentiment":"neutral","sentiment_score":0.03291571610852292}],"sentiment":"neutral","sentiment_score":0.02083535298175599,"num_words":62,"start":703.035,"end":733.02496},{"sentences":[{"text":"It says, like, name, date of birth, and stuff, but there's also a box where it says LPR, so legal personal representative.","start":733.88495,"end":742.865,"sentiment":"neutral","sentiment_score":-0.01585803587328304},{"text":"There should be a little tick tick box.","start":743.08496,"end":745.02,"sentiment":"neutral","sentiment_score":0.029944582493044436},{"text":"And there's nothing next to that.","start":752.14,"end":753.92004,"sentiment":"neutral","sentiment_score":-0.19306880980730057},{"text":"Okay.","start":755.9,"end":756.14,"sentiment":"neutral","sentiment_score":-0.03883899003267288},{"text":"Let me see.","start":756.14,"end":757.04004,"sentiment":"neutral","sentiment_score":-0.009996645463009676}],"sentiment":"neutral","sentiment_score":-0.03341404786333442,"num_words":40,"start":733.88495,"end":757.04004},{"sentences":[{"text":"Alright.","start":759.26,"end":759.58,"sentiment":"neutral","sentiment_score":0.0505114421248436},{"text":"Let me see.","start":759.58,"end":760.035,"sentiment":"neutral","sentiment_score":0.024333737790584564},{"text":"If I alright.","start":760.035,"end":761.8971,"sentiment":"neutral","sentiment_score":0.01602567359805107},{"text":"Let me see if I can find the documents that was posted out to you so I can look at it because that definitely should be there.","start":761.8971,"end":774.53,"sentiment":"neutral","sentiment_score":0.06403883622476349},{"text":"Yeah.","start":776.91003,"end":777.41003,"sentiment":"neutral","sentiment_score":0.02479330264031887}],"sentiment":"neutral","sentiment_score":0.05501233019999095,"num_words":35,"start":759.26,"end":777.41003},{"sentences":[{"text":"Yes.","start":779.31,"end":779.81,"sentiment":"neutral","sentiment_score":0.1637214720249176},{"text":"That is correct.","start":780.03,"end":781.01,"sentiment":"neutral","sentiment_score":0.25725650787353516},{"text":"Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary, first.","start":781.07,"end":796.645,"sentiment":"neutral","sentiment_score":0.0942002572119236},{"text":"Alright.","start":802.625,"end":803.01,"sentiment":"neutral","sentiment_score":0.04928048700094223},{"text":"Let me see.","start":803.01,"end":803.99,"sentiment":"neutral","sentiment_score":0.03227753254274527}],"sentiment":"neutral","sentiment_score":0.10384737552307985,"num_words":34,"start":779.31,"end":803.99},{"sentences":[{"text":"Okay.","start":812.21,"end":812.71,"sentiment":"neutral","sentiment_score":0.01658695936203003},{"text":"Sorry.","start":812.77,"end":813.25,"sentiment":"neutral","sentiment_score":-0.040596820414066315},{"text":"I have it here in front of me.","start":813.25,"end":814.53,"sentiment":"neutral","sentiment_score":-0.02888689562678337},{"text":"Let me just find where it says.","start":814.53,"end":817.545,"sentiment":"neutral","sentiment_score":-0.016114314751965658},{"text":"Yes.","start":831.02997,"end":831.26996,"sentiment":"neutral","sentiment_score":0.002156013622879982}],"sentiment":"neutral","sentiment_score":-0.02031940087262127,"num_words":18,"start":812.21,"end":831.26996},{"sentences":[{"text":"Sorry.","start":831.26996,"end":831.67,"sentiment":"neutral","sentiment_score":-0.04218517243862152},{"text":"Okay.","start":831.67,"end":832.17,"sentiment":"neutral","sentiment_score":-0.009757621213793756},{"text":"At the bottom.","start":833.11,"end":836.08997,"sentiment":"neutral","sentiment_score":-0.019643915196259815},{"text":"So it's kind of hidden a little bit.","start":836.14996,"end":838.08997,"sentiment":"neutral","sentiment_score":-0.07820944674313068},{"text":"So yeah.","start":838.38995,"end":841.44995,"sentiment":"neutral","sentiment_score":0.008802911266684532}],"sentiment":"neutral","sentiment_score":-0.04792961937685807,"num_words":15,"start":831.26996,"end":841.44995},{"sentences":[{"text":"So it says legal personal.","start":842.55,"end":844.035,"sentiment":"neutral","sentiment_score":-0.036800830811262134},{"text":"Personal.","start":846.19495,"end":846.69495,"sentiment":"neutral","sentiment_score":0.05777335166931152},{"text":"So you can just put a 100% in this box if that is what you decide.","start":847.315,"end":852.055,"sentiment":"neutral","sentiment_score":0.19773496966809034},{"text":"And then in your will, you can nominate multiple people.","start":853.07495,"end":857.495,"sentiment":"neutral","sentiment_score":0.21388866752386093},{"text":"You can break down a percentage how you want it to go to each person.","start":857.555,"end":861.35,"sentiment":"neutral","sentiment_score":0.13420726507902145}],"sentiment":"neutral","sentiment_score":0.15296860348353994,"num_words":47,"start":842.55,"end":861.35},{"sentences":[{"text":"But this basically means that it would just go back to your estate.","start":862.13,"end":866.95,"sentiment":"neutral","sentiment_score":0.0702436721095672},{"text":"So, essentially, you are numb yeah.","start":868.13,"end":870.79,"sentiment":"neutral","sentiment_score":0.029647087678313255},{"text":"And at the top, so under number two, it says nominated beneficiaries.","start":872.05,"end":876.615,"sentiment":"neutral","sentiment_score":0.047833019557098545},{"text":"Because, obviously, it's a new policy and we don't have a nomination in file, you would just tick the first box where it says I am making my first non lapsing binding Beth nomination.","start":878.27496,"end":889.56,"sentiment":"neutral","sentiment_score":0.0372255436856957},{"text":"Yep.","start":893.54,"end":894.04,"sentiment":"neutral","sentiment_score":0.14658859372138977}],"sentiment":"neutral","sentiment_score":0.04662581177597696,"num_words":66,"start":862.13,"end":894.04},{"sentences":[{"text":"Yep.","start":894.58,"end":895.08,"sentiment":"neutral","sentiment_score":0.1427062600851059},{"text":"And just for your reference, because there are a few different ways you can nominate.","start":895.3,"end":899.96,"sentiment":"neutral","sentiment_score":0.15722774763902028},{"text":"So when you go to the Superfund section, you will see a few different options.","start":900.02,"end":905.945,"sentiment":"neutral","sentiment_score":0.15412653734286627},{"text":"So nonlapsing, what that means is basically stays in place.","start":906.48505,"end":912.085,"sentiment":"neutral","sentiment_score":0.13919508084654808},{"text":"It is it stays in place until you decide that you wanna change it, which is good.","start":912.085,"end":919.07,"sentiment":"neutral","sentiment_score":0.15569756705971324}],"sentiment":"neutral","sentiment_score":0.15261775833265534,"num_words":58,"start":894.58,"end":919.07},{"sentences":[{"text":"Now on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the form.","start":919.07,"end":932.135,"sentiment":"neutral","sentiment_score":0.02526615718724551},{"text":"Yep.","start":932.135,"end":932.635,"sentiment":"neutral","sentiment_score":0.041628673672676086},{"text":"And then the other confusing thing is that you can then choose a binding or nonbinding option.","start":933.335,"end":940.55505,"sentiment":"neutral","sentiment_score":-0.03398277155835839},{"text":"So a binding option, kind of what the name says, it means that trustee, so of your super fund and your insurance are are basically bound by follow your wishes.","start":941.09503,"end":954.23,"sentiment":"neutral","sentiment_score":0.01764855595926444},{"text":"So it is the most certain.","start":954.37,"end":956.15,"sentiment":"neutral","sentiment_score":0.03977661207318306}],"sentiment":"neutral","sentiment_score":0.011286717931521528,"num_words":81,"start":919.07,"end":956.15},{"sentences":[{"text":"The nonbinding basically tells them that this is what you want to have happen, but they ultimately have the discretion of deciding if they feel like there's someone else that has a better claim to it.","start":956.93,"end":972.205,"sentiment":"neutral","sentiment_score":0.007468274768648876},{"text":"So binding gives you more certainty.","start":972.205,"end":974.545,"sentiment":"neutral","sentiment_score":0.09213636380930741},{"text":"Yeah.","start":977.17,"end":977.64996,"sentiment":"neutral","sentiment_score":0.06877508759498596},{"text":"Does that make sense?","start":977.64996,"end":978.61,"sentiment":"neutral","sentiment_score":0.05419570114463568},{"text":"I know it can be a bit confusing.","start":978.61,"end":980.23,"sentiment":"neutral","sentiment_score":-0.12432751059532166}],"sentiment":"neutral","sentiment_score":0.002047525126148354,"num_words":55,"start":956.93,"end":980.23},{"sentences":[{"text":"They don't they don't make it easy.","start":980.37,"end":982.14996,"sentiment":"neutral","sentiment_score":-0.1515204023037638},{"text":"Yeah.","start":985.17,"end":985.64996,"sentiment":"neutral","sentiment_score":0.0160341989248991},{"text":"Okay.","start":985.64996,"end":986.14996,"sentiment":"neutral","sentiment_score":0.11960888653993608},{"text":"Beautiful.","start":986.29,"end":986.79,"sentiment":"positive","sentiment_score":0.4297941327095032},{"text":"Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same?","start":989.375,"end":995.795,"sentiment":"neutral","sentiment_score":0.21321892058071884}],"sentiment":"neutral","sentiment_score":0.13360089622437954,"num_words":33,"start":980.37,"end":995.795},{"sentences":[{"text":"Yep.","start":997.455,"end":997.955,"sentiment":"neutral","sentiment_score":0.07993347942829132},{"text":"Yep.","start":998.495,"end":998.995,"sentiment":"neutral","sentiment_score":0.202303946018219},{"text":"Beautiful.","start":999.055,"end":999.555,"sentiment":"positive","sentiment_score":0.4175926446914673},{"text":"Now when it comes to your risk profile, so if it's been a while since we've gone kind of spoken to you when it comes to your investments, we tend to go through, like, a new updated risk profile questionnaire to see if anything has changed.","start":1000.735,"end":1014.3,"sentiment":"neutral","sentiment_score":0.08617931531499261},{"text":"But I know you went through all of that with Tommy not long ago.","start":1014.3,"end":1017.84,"sentiment":"neutral","sentiment_score":0.03407245262392929}],"sentiment":"neutral","sentiment_score":0.0816046493867087,"num_words":63,"start":997.455,"end":1017.84},{"sentences":[{"text":"So, essentially, we have you invested in your growth portfolio.","start":1019.795,"end":1024.215,"sentiment":"neutral","sentiment_score":0.06298844292759895},{"text":"Do you remember what it means to be a growth investor at all when you spoke to Tommy?","start":1024.9149,"end":1029.4149,"sentiment":"neutral","sentiment_score":0.05251429850856463},{"text":"Yeah.","start":1037.49,"end":1037.89,"sentiment":"neutral","sentiment_score":0.03467271104454994},{"text":"So it yeah.","start":1037.89,"end":1039.27,"sentiment":"neutral","sentiment_score":0.062369504322608314},{"text":"So it's kind of somewhere in the middle where you are focusing on, obviously, maximizing growth in your superannuation while you still have plenty of time until retirement, but also that you understand that there will be some short term fluctuations because of it.","start":1039.3301,"end":1055.855,"sentiment":"neutral","sentiment_score":0.11744544883681969}],"sentiment":"neutral","sentiment_score":0.09163845756924466,"num_words":76,"start":1019.795,"end":1055.855},{"sentences":[{"text":"It it is kind of a good position.","start":1057.115,"end":1058.8999,"sentiment":"positive","sentiment_score":0.35299184173345566},{"text":"So it's not like your high growth and aggressive, but it is not your defensive and moderate either.","start":1058.8999,"end":1064.0399,"sentiment":"neutral","sentiment_score":0.10143617664774258},{"text":"So it is kind of somewhere in the middle where you are focusing on growth, wanting a little bit of a defensive portion, but only about 20%.","start":1064.1799,"end":1072.5199,"sentiment":"neutral","sentiment_score":0.14286676656316827},{"text":"80% is dedicated to those growth investments to grow your super as much as possible.","start":1073.2849,"end":1078.265,"sentiment":"neutral","sentiment_score":0.31121772329012554},{"text":"Do you still feel like that's, like, aligning with you?","start":1080.1649,"end":1083.7849,"sentiment":"neutral","sentiment_score":0.1863239288330078}],"sentiment":"neutral","sentiment_score":0.19280376600531432,"num_words":78,"start":1057.115,"end":1083.7849},{"sentences":[{"text":"Yep.","start":1085.365,"end":1085.865,"sentiment":"neutral","sentiment_score":0.08585716784000397},{"text":"Yep.","start":1086.325,"end":1086.825,"sentiment":"neutral","sentiment_score":0.14611466228961945},{"text":"And also from a time frame, so when it comes to the risk profile, what is also important aside from, obviously, where you are comfortable with is time.","start":1087.3301,"end":1096.39,"sentiment":"neutral","sentiment_score":0.10046393903238433},{"text":"So making sure that you have enough time in the market for, you know, the the little short term fluctuations.","start":1096.61,"end":1102.31,"sentiment":"neutral","sentiment_score":0.11396124996244908},{"text":"And in a growth portfolio, ideally, we would like to see six years until retirement to make sure you have enough of those like, enough time for the fluctuations, which you certainly have.","start":1103.385,"end":1116.5499,"sentiment":"neutral","sentiment_score":0.19668502168673457}],"sentiment":"neutral","sentiment_score":0.14234690166201935,"num_words":83,"start":1085.365,"end":1116.5499},{"sentences":[{"text":"So from a time frame point of view, you are in a good position as well.","start":1116.5499,"end":1120.25,"sentiment":"neutral","sentiment_score":0.3095790036022663},{"text":"Yep.","start":1122.3899,"end":1122.8899,"sentiment":"positive","sentiment_score":0.42441868782043457},{"text":"Perfect.","start":1123.35,"end":1123.85,"sentiment":"positive","sentiment_score":0.5835840702056885},{"text":"Now the the last thing, right, is to just give you a bit of a rundown of basically your insurances and your superannuation and where everything is at.","start":1124.5499,"end":1134.025,"sentiment":"neutral","sentiment_score":0.09803649969398975},{"text":"Now because are you still driving at the moment?","start":1134.245,"end":1137.065,"sentiment":"neutral","sentiment_score":-0.0035046732260121238}],"sentiment":"neutral","sentiment_score":0.15772266814654523,"num_words":55,"start":1116.5499,"end":1137.065},{"sentences":[{"text":"Okay.","start":1140.8049,"end":1141.3049,"sentiment":"neutral","sentiment_score":0.02968655154109001},{"text":"Yeah.","start":1143.125,"end":1143.445,"sentiment":"neutral","sentiment_score":0.08130080997943878},{"text":"Sure.","start":1143.445,"end":1143.845,"sentiment":"neutral","sentiment_score":0.1102011650800705},{"text":"Yep.","start":1143.845,"end":1144.085,"sentiment":"neutral","sentiment_score":0.10585413873195648},{"text":"You just let me know when you're back.","start":1144.085,"end":1145.8099,"sentiment":"neutral","sentiment_score":0.10024129133671522}],"sentiment":"neutral","sentiment_score":0.0940810830021898,"num_words":12,"start":1140.8049,"end":1145.8099},{"sentences":[{"text":"Mhmm.","start":1147.87,"end":1148.0299,"sentiment":"neutral","sentiment_score":0.09359394758939744},{"text":"It's okay.","start":1148.0299,"end":1148.77,"sentiment":"neutral","sentiment_score":0.11671585962176323},{"text":"Yep.","start":1171.965,"end":1172.16,"sentiment":"neutral","sentiment_score":0.16857752203941345},{"text":"Perfect.","start":1172.4,"end":1172.9,"sentiment":"neutral","sentiment_score":0.30742400884628296},{"text":"So, essentially, the next part is just to go through those documents.","start":1173.76,"end":1177.2201,"sentiment":"neutral","sentiment_score":0.14698281697928905}],"sentiment":"neutral","sentiment_score":0.1509894706747111,"num_words":17,"start":1147.87,"end":1177.2201},{"sentences":[{"text":"I have emailed them to you if you have option of accessing them.","start":1178.9601,"end":1183.36,"sentiment":"neutral","sentiment_score":0.1905795278457495},{"text":"It makes it a bit easier for you.","start":1183.36,"end":1184.9601,"sentiment":"neutral","sentiment_score":0.29466806910932064},{"text":"But if you're driving and and need to get to places, then I can always just run through them with you on the phone.","start":1184.9601,"end":1192.535,"sentiment":"neutral","sentiment_score":0.1532857067262133},{"text":"And then later, when it's safe for you to do so when you have time, you can then have a look through them.","start":1192.535,"end":1198.375,"sentiment":"neutral","sentiment_score":0.19795455815999405},{"text":"If you have any questions, you can then let me know.","start":1198.375,"end":1200.875,"sentiment":"neutral","sentiment_score":0.19674798439849506}],"sentiment":"neutral","sentiment_score":0.19279643091597135,"num_words":79,"start":1178.9601,"end":1200.875},{"sentences":[{"text":"Yeah.","start":1203.015,"end":1203.255,"sentiment":"neutral","sentiment_score":0.2149055302143097},{"text":"Okay.","start":1203.255,"end":1203.755,"sentiment":"neutral","sentiment_score":0.2777819037437439},{"text":"Perfect.","start":1203.98,"end":1204.14,"sentiment":"neutral","sentiment_score":0.15288099646568298},{"text":"So I have sent you an email.","start":1204.14,"end":1206.3,"sentiment":"neutral","sentiment_score":0.12997979245015553},{"text":"Now it is directly from me.","start":1206.3,"end":1208.88,"sentiment":"neutral","sentiment_score":0.10152869299054146}],"sentiment":"neutral","sentiment_score":0.13528744596987963,"num_words":16,"start":1203.015,"end":1208.88},{"sentences":[{"text":"When you get through the email, it will say click on this link to sign now or something like that.","start":1209.8201,"end":1218.16,"sentiment":"neutral","sentiment_score":0.07720083259046077},{"text":"You just have to click on the link first to open up all the documents.","start":1219.075,"end":1223.3949,"sentiment":"neutral","sentiment_score":0.14158398608366649},{"text":"Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything.","start":1223.3949,"end":1235.24,"sentiment":"neutral","sentiment_score":0.17026625825343905},{"text":"Does that make sense?","start":1235.62,"end":1236.36,"sentiment":"neutral","sentiment_score":0.10382815450429916},{"text":"Yep.","start":1236.82,"end":1237.32,"sentiment":"neutral","sentiment_score":0.15415215492248535}],"sentiment":"neutral","sentiment_score":0.13684536066728753,"num_words":77,"start":1209.8201,"end":1237.32},{"sentences":[{"text":"Yep.","start":1237.7799,"end":1238.2799,"sentiment":"neutral","sentiment_score":0.22619855403900144},{"text":"Yeah.","start":1239.0599,"end":1239.5599,"sentiment":"neutral","sentiment_score":0.17669788002967834},{"text":"Yeah.","start":1239.7,"end":1240.1,"sentiment":"neutral","sentiment_score":0.16398265957832336},{"text":"Basically, same for when you did the the SOA presentation.","start":1240.1,"end":1243.0,"sentiment":"neutral","sentiment_score":0.17220554798841475},{"text":"Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances.","start":1244.74,"end":1250.745,"sentiment":"neutral","sentiment_score":0.14736351494987807}],"sentiment":"neutral","sentiment_score":0.15498002268830124,"num_words":49,"start":1237.7799,"end":1250.745},{"sentences":[{"text":"But you do have your super with hub twenty four, and you do have a $164,892 in there.","start":1251.365,"end":1260.3451,"sentiment":"neutral","sentiment_score":0.17574315849277708},{"text":"And then you also have insurances with Zurich.","start":1262.165,"end":1265.76,"sentiment":"neutral","sentiment_score":0.1835118643939495},{"text":"So you have life and total permanent disability insurance, and that is $1,000,000.","start":1265.9,"end":1273.04,"sentiment":"neutral","sentiment_score":0.17402635056238908},{"text":"Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals?","start":1273.42,"end":1279.195,"sentiment":"positive","sentiment_score":0.3617402399363725},{"text":"Yep.","start":1281.1749,"end":1281.6749,"sentiment":"neutral","sentiment_score":0.24223248660564425}],"sentiment":"neutral","sentiment_score":0.24533448143610878,"num_words":63,"start":1251.365,"end":1281.6749},{"sentences":[{"text":"Yep.","start":1281.735,"end":1282.135,"sentiment":"neutral","sentiment_score":0.25705963373184204},{"text":"If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work.","start":1282.135,"end":1294.39,"sentiment":"neutral","sentiment_score":0.11941030307819969},{"text":"So it's still a decent amount for you.","start":1294.85,"end":1297.11,"sentiment":"positive","sentiment_score":0.47770243883132935},{"text":"And then you also have income protection, and that is covering you for $4,492 per month.","start":1297.25,"end":1306.205,"sentiment":"neutral","sentiment_score":0.20722685661166906},{"text":"You do have a thirty day waiting period on that one, and the benefit for five years.","start":1306.665,"end":1313.725,"sentiment":"neutral","sentiment_score":0.18413188834400737}],"sentiment":"neutral","sentiment_score":0.1882767808623612,"num_words":80,"start":1281.735,"end":1313.725},{"sentences":[{"text":"Those three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%.","start":1315.145,"end":1324.98,"sentiment":"neutral","sentiment_score":0.23045974969863892},{"text":"So total premium for all those three is $2,542.","start":1325.36,"end":1330.635,"sentiment":"neutral","sentiment_score":0.1645239012108909},{"text":"Any questions with any of those?","start":1332.795,"end":1334.575,"sentiment":"neutral","sentiment_score":0.039770894373456635},{"text":"No.","start":1337.275,"end":1337.775,"sentiment":"neutral","sentiment_score":-0.219333216547966},{"text":"Perfect.","start":1338.3151,"end":1338.8151,"sentiment":"positive","sentiment_score":0.33400169014930725}],"sentiment":"neutral","sentiment_score":0.17702880625923476,"num_words":39,"start":1315.145,"end":1338.8151},{"sentences":[{"text":"And then you also have trauma insurance.","start":1339.1951,"end":1342.255,"sentiment":"neutral","sentiment_score":0.11433782827641283},{"text":"So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts.","start":1342.475,"end":1360.17,"sentiment":"neutral","sentiment_score":0.015122522092001005},{"text":"So it makes it a little bit cheaper for you.","start":1361.115,"end":1363.375,"sentiment":"positive","sentiment_score":0.3772707059979439},{"text":"That is paid out of pocket, and it's about $73.88 per month.","start":1363.915,"end":1369.455,"sentiment":"neutral","sentiment_score":0.15312554749349752},{"text":"Yep.","start":1371.515,"end":1371.915,"sentiment":"neutral","sentiment_score":0.3099466562271118}],"sentiment":"neutral","sentiment_score":0.09980967643393858,"num_words":74,"start":1339.1951,"end":1371.915},{"sentences":[{"text":"Perfect.","start":1371.915,"end":1372.415,"sentiment":"positive","sentiment_score":0.5467376112937927},{"text":"Now the next document you will see when you have a look at the email is a bit of a performance report.","start":1372.89,"end":1380.41,"sentiment":"neutral","sentiment_score":0.24285507608543744},{"text":"So it shows you your portfolio in Hub twenty four to how your money is invested.","start":1380.41,"end":1385.79,"sentiment":"neutral","sentiment_score":0.20124258659780025},{"text":"It breaks down all your individual investments and how they have performed as well.","start":1386.01,"end":1391.8251,"sentiment":"neutral","sentiment_score":0.19448250425713404},{"text":"Now your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago.","start":1392.525,"end":1401.265,"sentiment":"neutral","sentiment_score":-0.03832937606299917}],"sentiment":"neutral","sentiment_score":0.141717931231508,"num_words":77,"start":1371.915,"end":1401.265},{"sentences":[{"text":"So it might look like you have a little bit more different investments in there, but that is just because you sold out of some and bought some.","start":1401.61,"end":1409.95,"sentiment":"neutral","sentiment_score":-0.022103860641696622},{"text":"So it might look a little bit messy, but that is basically to show you, where you have your money and how each investment have performed.","start":1410.09,"end":1418.7949,"sentiment":"neutral","sentiment_score":0.04505699385817234},{"text":"Now, obviously yeah.","start":1420.135,"end":1421.735,"sentiment":"neutral","sentiment_score":-0.023240237807234127},{"text":"Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything.","start":1421.735,"end":1430.135,"sentiment":"neutral","sentiment_score":-0.11377001802126567},{"text":"So we have seen a bit of fluctuations in the market recently.","start":1430.135,"end":1433.3099,"sentiment":"neutral","sentiment_score":-0.18793136440217495}],"sentiment":"neutral","sentiment_score":-0.05237801903576562,"num_words":99,"start":1401.61,"end":1433.3099},{"sentences":[{"text":"In saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months.","start":1434.8899,"end":1455.8551,"sentiment":"neutral","sentiment_score":0.30233509609332454},{"text":"Yep.","start":1458.155,"end":1458.655,"sentiment":"neutral","sentiment_score":0.10677498579025269},{"text":"Yep.","start":1458.795,"end":1459.275,"sentiment":"neutral","sentiment_score":0.17753469944000244},{"text":"Perfect.","start":1459.275,"end":1459.775,"sentiment":"positive","sentiment_score":0.3862200379371643},{"text":"Now the next document you will see is just a Vanguard index chart.","start":1460.155,"end":1465.53,"sentiment":"neutral","sentiment_score":0.17548259634238023}],"sentiment":"neutral","sentiment_score":0.2746063010657535,"num_words":68,"start":1434.8899,"end":1465.53},{"sentences":[{"text":"Basically, what it is, it is a graph, and it just shows you it's kind of a good visual representation of what we are talking about when we are talking about the market.","start":1465.59,"end":1475.13,"sentiment":"neutral","sentiment_score":0.17810796268961646},{"text":"When you do have a look at it, you can essentially see that over the long term, market always goes up.","start":1475.955,"end":1483.4149,"sentiment":"neutral","sentiment_score":0.09695636835836229},{"text":"But short term, you will have some ups and downs and market fluctuations.","start":1483.5549,"end":1487.4149,"sentiment":"neutral","sentiment_score":-0.0449252317731197},{"text":"Yep.","start":1490.52,"end":1490.8401,"sentiment":"neutral","sentiment_score":0.06086969375610352},{"text":"Now the next three documents, it is just your certificate of currency with Zurich.","start":1490.8401,"end":1495.9,"sentiment":"neutral","sentiment_score":0.05466614330985716}],"sentiment":"neutral","sentiment_score":0.0994611486747134,"num_words":82,"start":1465.59,"end":1495.9},{"sentences":[{"text":"So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for you.","start":1496.12,"end":1507.645,"sentiment":"neutral","sentiment_score":0.1392336683968703},{"text":"Then the second last document, it is your OQ services guide.","start":1508.265,"end":1513.305,"sentiment":"neutral","sentiment_score":0.1401714804497632},{"text":"You would have seen this one with Tommy as well.","start":1513.305,"end":1516.845,"sentiment":"neutral","sentiment_score":0.1556053191423416},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU.","start":1517.0651,"end":1523.52,"sentiment":"neutral","sentiment_score":0.20345011936581653},{"text":"If you do have a bit of a read over it, you will see the directors, all our advisers.","start":1524.3,"end":1529.04,"sentiment":"neutral","sentiment_score":0.12256699839704915}],"sentiment":"neutral","sentiment_score":0.1535814542283294,"num_words":93,"start":1496.12,"end":1529.04},{"sentences":[{"text":"You can see Tommy actually on page nine if you wanna put a face to the voice.","start":1529.5801,"end":1535.355,"sentiment":"neutral","sentiment_score":0.11786428444525775},{"text":"And then page 10, you can see myself as well if you do wanna put a face to who you are talking to.","start":1535.355,"end":1540.735,"sentiment":"neutral","sentiment_score":0.09667077628166779},{"text":"Yep.","start":1542.875,"end":1543.375,"sentiment":"neutral","sentiment_score":0.2821055054664612},{"text":"Perfect.","start":1543.515,"end":1544.015,"sentiment":"positive","sentiment_score":0.5849323868751526},{"text":"Now the last document, it is your ongoing service agreement.","start":1544.395,"end":1549.6699,"sentiment":"neutral","sentiment_score":0.2297975614666939}],"sentiment":"neutral","sentiment_score":0.14215642686646718,"num_words":52,"start":1529.5801,"end":1549.6699},{"sentences":[{"text":"Now this one here is where it will ask you to to sign if you are happy to do so.","start":1549.8099,"end":1555.59,"sentiment":"neutral","sentiment_score":0.23312389701604844},{"text":"And, basically, what it is, it is just to say that you are happy to stay on as a client.","start":1556.0499,"end":1561.4299,"sentiment":"neutral","sentiment_score":0.33106576055288317},{"text":"Now there is no changes at all in regards to the fee structure for you.","start":1562.0499,"end":1567.4451,"sentiment":"neutral","sentiment_score":0.12308256725470225},{"text":"It stays exactly the same at 1.65, and it is not a lock in contract.","start":1567.4451,"end":1573.865,"sentiment":"neutral","sentiment_score":0.1511920188864072},{"text":"So if at any point in time, you are not happy, this is not a lock in contract.","start":1573.925,"end":1578.185,"sentiment":"neutral","sentiment_score":0.06955563670231237}],"sentiment":"neutral","sentiment_score":0.18920356141064654,"num_words":88,"start":1549.8099,"end":1578.185},{"sentences":[{"text":"But by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime.","start":1579.0499,"end":1585.95,"sentiment":"neutral","sentiment_score":0.32293759480766626},{"text":"Does that make sense?","start":1586.09,"end":1587.23,"sentiment":"neutral","sentiment_score":0.13745319657027721},{"text":"Yep.","start":1589.13,"end":1589.63,"sentiment":"neutral","sentiment_score":0.24562720954418185},{"text":"Yep.","start":1589.85,"end":1590.25,"sentiment":"neutral","sentiment_score":0.25911930203437805},{"text":"Beautiful.","start":1590.25,"end":1590.75,"sentiment":"positive","sentiment_score":0.5755208730697632}],"sentiment":"neutral","sentiment_score":0.3019214950501919,"num_words":30,"start":1579.0499,"end":1590.75},{"sentences":[{"text":"So that is essentially the documents and what I have had to run through with you today.","start":1591.13,"end":1597.565,"sentiment":"neutral","sentiment_score":0.299439903567819},{"text":"Before I kind of let you go and get on with your day, do you have any other questions for me?","start":1598.745,"end":1604.445,"sentiment":"neutral","sentiment_score":0.16687879675910586},{"text":"No?","start":1608.025,"end":1608.24,"sentiment":"neutral","sentiment_score":0.10469358414411543},{"text":"Yeah.","start":1609.2,"end":1609.6,"sentiment":"neutral","sentiment_score":0.2009272575378418},{"text":"Yeah.","start":1609.6,"end":1610.0,"sentiment":"neutral","sentiment_score":0.30843299627304077}],"sentiment":"neutral","sentiment_score":0.22460943733046695,"num_words":41,"start":1591.13,"end":1610.0},{"sentences":[{"text":"Beautiful.","start":1610.0,"end":1610.5,"sentiment":"positive","sentiment_score":0.46765953302383423},{"text":"So when you have a moment, have a look through that email for me.","start":1611.44,"end":1615.2,"sentiment":"neutral","sentiment_score":0.24740619425262725},{"text":"If you have any questions, just give me a call or or send us an email.","start":1615.2,"end":1619.54,"sentiment":"neutral","sentiment_score":0.17904779873788357},{"text":"Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me.","start":1619.92,"end":1626.585,"sentiment":"positive","sentiment_score":0.37283434801631504},{"text":"And I will get that all loaded and uploaded for you.","start":1626.645,"end":1629.865,"sentiment":"neutral","sentiment_score":0.3172239647670226}],"sentiment":"neutral","sentiment_score":0.29495800059774646,"num_words":69,"start":1610.0,"end":1629.865},{"sentences":[{"text":"And I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you.","start":1630.165,"end":1639.6001,"sentiment":"neutral","sentiment_score":0.24351660668849945},{"text":"Yep.","start":1639.6001,"end":1640.1001,"sentiment":"positive","sentiment_score":0.35843273997306824},{"text":"Beautiful.","start":1641.2001,"end":1641.7001,"sentiment":"positive","sentiment_score":0.7991434335708618},{"text":"Well, I will let you go away to get on with your day.","start":1641.8401,"end":1644.0801,"sentiment":"positive","sentiment_score":0.5864769495450534},{"text":"But if there's anything you need at any point in time, don't hesitate to give us a call.","start":1644.0801,"end":1648.4,"sentiment":"neutral","sentiment_score":0.21114069471756616}],"sentiment":"neutral","sentiment_score":0.32190041706479827,"num_words":58,"start":1630.165,"end":1648.4},{"sentences":[{"text":"Okay?","start":1648.4,"end":1648.9,"sentiment":"neutral","sentiment_score":0.15312731266021729},{"text":"No problem at all.","start":1652.585,"end":1653.465,"sentiment":"positive","sentiment_score":0.7251399904489517},{"text":"You have a good rest of your day.","start":1653.465,"end":1654.9249,"sentiment":"positive","sentiment_score":0.7476004362106323},{"text":"Thanks.","start":1657.065,"end":1657.565,"sentiment":"positive","sentiment_score":0.6525530815124512},{"text":"Bye.","start":1657.625,"end":1658.125,"sentiment":"neutral","sentiment_score":-0.11573111265897752}],"sentiment":"positive","sentiment_score":0.6380875155329704,"num_words":15,"start":1648.4,"end":1658.125}]}}]},{"alternatives":[{"transcript":"Hello. White speaking. I'm pretty good. Thanks. Yourself? Yeah. Pretty good. Yeah. Yep. Yeah. Wade, Kenneth Chadwick. I need to the first 83, and it's 1080 Parkway now. Yeah. A little bit. Just trying to get I've got a few customers waiting on some stuff, so I might have to have twenty seconds of time soon just to drop a package off and something. Yeah. Yep. Not particularly. No. Yep. Yep. Yep. Hi. It's just my mother. Yep. That's it. Yep. It's gone up to 81 now. Yeah. And that's and I have another sort of rental income as well. I'm about twenty third. More boarding at my phones. Over a year. Yeah. Yep. Yep. It's about 04:16AM. Yep. Yep. Not not that supposed to get out of the vehicle. Yeah. That's yeah. It's probably about maybe probably about eighteen hours. No. No. I've got motorbikes and boats, but I don't think they're really worth much, to be honest. Probably $3 for for both of them. Sorry? Well, I've got one that I'd say is probably worth, yeah, about 1,500. That's the only one I worry about. And then the boat would be, yeah, worth oh, no. I've got an extra engine for that. That's probably worth two, two and a half of the boat. I've got a credit card with a $6,100 limit, but I only owe about $900 on it, I guess. Not even. Yeah. And I I put yeah. Pretty much. And I have and I put $50 weekly back onto that card. Yeah. I've had a couple of slip ups. Yeah. Yeah. Yeah. Yeah. Okay. I've got a wheel that I'm about to fill out, which I probably shouldn't have put in. But, yeah, I've got it sitting there on my desk to do, but yeah. Yeah. My mom's pushing me into it. So yeah. Yeah. Yeah. Yep. Yeah. I do. I do. I think I might have I might have already printed them out. I had to do it at work. Yeah. I think I've got the hang on a second. I'm just gonna I'm just gonna pull over here. I have a look at something. So I've got other facilities sacrifice letter. Making a death benefit nomination? Is that yeah. So I've got it all printed out. It's in my hands at the moment, so I can look into that, say that it's afternoon, I guess. I don't really know top of my head, but I probably will need to have some questions. Yep. Yes. Yes. Yes. So what what was that again? I can't say that. Say No. There isn't. It's just spouse, child, financial dependent, or interdependent. No. It just says portion of total benefit. This is under beneficiary one, beneficiary two, beneficiary three. So legal personal representative, was it? It's the Zurich Insurance. Page three and four. Yes. I see now. Yep. Sorry. Yep. Yep. Yeah. Okay. That makes sense. Yeah. Yeah. Yep. They took that one. Yep. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. All the time. It means a bit more than moderate, isn't it? Like, it's a bit more aggressive, I think. Is that correct? Yes. Yes. Yes. Yeah. Yeah. I would say so at the moment. Yep. Yeah. Okay. That's good. Yep. Yep. I'm just about to run-in and drop off a parcel. I'll be about twenty seconds if that's okay. Okay. Thank you. It's okay. Yep. I'm back. Yeah. Yep. Yeah. That'd be good. Yes. Yep. Yeah. I've done all that before. Pretty pretty sure. Yeah. Yep. Yeah. I think so. Yep. Yep. No. That's okay. Yeah. Yes. Yeah. Yep. Yep. Good. Yep. Yes, sir. Thanks, sir. I think you covered it pretty well. Yep. No worries. Thank you very much. You too. 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White speaking. I'm pretty good. Thanks. Yourself?\n\nYeah. Pretty good. Yeah. Yep. Yeah.\n\nWade, Kenneth Chadwick. I need to the first 83, and it's 1080 Parkway now. Yeah. A little bit. Just trying to get I've got a few customers waiting on some stuff, so I might have to have twenty seconds of time soon just to drop a package off and something.\n\nYeah. Yep. Not particularly. No. Yep.\n\nYep. Yep. Hi. It's just my mother. Yep.\n\nThat's it. Yep. It's gone up to 81 now. Yeah. And that's and I have another sort of rental income as well.\n\nI'm about twenty third. More boarding at my phones. Over a year. Yeah. Yep.\n\nYep. It's about 04:16AM. Yep. Yep. Not not that supposed to get out of the vehicle.\n\nYeah. That's yeah. It's probably about maybe probably about eighteen hours. No. No.\n\nI've got motorbikes and boats, but I don't think they're really worth much, to be honest. Probably $3 for for both of them. Sorry? Well, I've got one that I'd say is probably worth, yeah, about 1,500. That's the only one I worry about.\n\nAnd then the boat would be, yeah, worth oh, no. I've got an extra engine for that. That's probably worth two, two and a half of the boat. I've got a credit card with a $6,100 limit, but I only owe about $900 on it, I guess. Not even.\n\nYeah. And I I put yeah. Pretty much. And I have and I put $50 weekly back onto that card. Yeah.\n\nI've had a couple of slip ups. Yeah. Yeah. Yeah. Yeah.\n\nOkay. I've got a wheel that I'm about to fill out, which I probably shouldn't have put in. But, yeah, I've got it sitting there on my desk to do, but yeah. Yeah. My mom's pushing me into it.\n\nSo yeah. Yeah. Yeah. Yep. Yeah.\n\nI do. I do. I think I might have I might have already printed them out. I had to do it at work. Yeah.\n\nI think I've got the hang on a second. I'm just gonna I'm just gonna pull over here. I have a look at something. So I've got other facilities sacrifice letter. Making a death benefit nomination?\n\nIs that yeah. So I've got it all printed out. It's in my hands at the moment, so I can look into that, say that it's afternoon, I guess. I don't really know top of my head, but I probably will need to have some questions. Yep.\n\nYes. Yes. Yes. So what what was that again? I can't say that.\n\nSay No. There isn't. It's just spouse, child, financial dependent, or interdependent. No. It just says portion of total benefit.\n\nThis is under beneficiary one, beneficiary two, beneficiary three. So legal personal representative, was it? It's the Zurich Insurance. Page three and four. Yes.\n\nI see now. Yep. Sorry. Yep. Yep.\n\nYeah. Okay. That makes sense. Yeah. Yeah.\n\nYep. They took that one. Yep. Yeah. Okay.\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. All the time. It means a bit more than moderate, isn't it?\n\nLike, it's a bit more aggressive, I think. Is that correct? Yes. Yes. Yes.\n\nYeah. Yeah. I would say so at the moment. Yep. Yeah.\n\nOkay. That's good. Yep. Yep. I'm just about to run-in and drop off a parcel.\n\nI'll be about twenty seconds if that's okay. Okay. Thank you. It's okay. Yep.\n\nI'm back. Yeah. Yep. Yeah. That'd be good.\n\nYes. Yep. Yeah. I've done all that before. Pretty pretty sure.\n\nYeah. Yep. Yeah. I think so. Yep.\n\nYep. No. That's okay. Yeah. Yes.\n\nYeah. Yep. Yep. Good. Yep.\n\nYes, sir. Thanks, sir. I think you covered it pretty well. Yep. No worries.\n\nThank you very much. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.04519247263669968},{"text":"White speaking.","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.05527483858168125},{"text":"I'm pretty good.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.6241884628931681},{"text":"Thanks.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.6599942445755005},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3508546054363251}],"sentiment":"positive","sentiment_score":0.379894548561424,"num_words":8,"start":1.76,"end":9.54},{"sentences":[{"text":"Yeah.","start":18.525,"end":18.845001,"sentiment":"neutral","sentiment_score":0.17687013745307922},{"text":"Pretty 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moment.","start":1084.8451,"end":1086.2051,"sentiment":"neutral","sentiment_score":0.07178312167525291},{"text":"Yep.","start":1086.2051,"end":1086.7051,"sentiment":"neutral","sentiment_score":0.11325624585151672},{"text":"Yeah.","start":1103.7201,"end":1104.2201,"sentiment":"neutral","sentiment_score":0.10633021593093872}],"sentiment":"neutral","sentiment_score":0.09246620298786597,"num_words":11,"start":1079.0701,"end":1104.2201},{"sentences":[{"text":"Okay.","start":1121.445,"end":1121.925,"sentiment":"positive","sentiment_score":0.3537282347679138},{"text":"That's good.","start":1121.925,"end":1122.745,"sentiment":"positive","sentiment_score":0.4839271754026413},{"text":"Yep.","start":1123.445,"end":1123.945,"sentiment":"neutral","sentiment_score":0.25799524784088135},{"text":"Yep.","start":1124.14,"end":1124.64,"sentiment":"neutral","sentiment_score":0.2195095419883728},{"text":"I'm just about to run-in and drop off a parcel.","start":1137.705,"end":1140.585,"sentiment":"neutral","sentiment_score":0.007841845601797104}],"sentiment":"neutral","sentiment_score":0.1251670554280281,"num_words":15,"start":1121.445,"end":1140.585},{"sentences":[{"text":"I'll be about twenty seconds if that's okay.","start":1140.585,"end":1142.845,"sentiment":"neutral","sentiment_score":0.03217197977937758},{"text":"Okay.","start":1146.505,"end":1146.825,"sentiment":"neutral","sentiment_score":0.19416463375091553},{"text":"Thank you.","start":1146.825,"end":1147.565,"sentiment":"neutral","sentiment_score":0.3015415370464325},{"text":"It's okay.","start":1149.065,"end":1149.645,"sentiment":"neutral","sentiment_score":0.1361740604043007},{"text":"Yep.","start":1170.485,"end":1170.805,"sentiment":"neutral","sentiment_score":0.10666728019714355}],"sentiment":"neutral","sentiment_score":0.10240278193461043,"num_words":14,"start":1140.585,"end":1170.805},{"sentences":[{"text":"I'm back.","start":1170.805,"end":1171.205,"sentiment":"neutral","sentiment_score":0.10006799548864365},{"text":"Yeah.","start":1171.205,"end":1171.705,"sentiment":"neutral","sentiment_score":0.12249715626239777},{"text":"Yep.","start":1178.485,"end":1178.985,"sentiment":"neutral","sentiment_score":0.1591094732284546},{"text":"Yeah.","start":1201.545,"end":1201.865,"sentiment":"neutral","sentiment_score":0.27231931686401367},{"text":"That'd be good.","start":1201.865,"end":1202.665,"sentiment":"positive","sentiment_score":0.4479883710543315}],"sentiment":"neutral","sentiment_score":0.26225338131189346,"num_words":8,"start":1170.805,"end":1202.665},{"sentences":[{"text":"Yes.","start":1202.665,"end":1203.165,"sentiment":"neutral","sentiment_score":0.2545735836029053},{"text":"Yep.","start":1219.16,"end":1219.66,"sentiment":"neutral","sentiment_score":0.1848447322845459},{"text":"Yeah.","start":1235.66,"end":1235.98,"sentiment":"neutral","sentiment_score":0.1270400881767273},{"text":"I've done all that before.","start":1235.98,"end":1237.2001,"sentiment":"neutral","sentiment_score":0.065936279296875},{"text":"Pretty pretty sure.","start":1237.58,"end":1238.54,"sentiment":"neutral","sentiment_score":0.25260556240876514}],"sentiment":"neutral","sentiment_score":0.15035968070680444,"num_words":11,"start":1202.665,"end":1238.54},{"sentences":[{"text":"Yeah.","start":1238.54,"end":1239.04,"sentiment":"neutral","sentiment_score":0.18846562504768372},{"text":"Yep.","start":1262.0599,"end":1262.5599,"sentiment":"neutral","sentiment_score":0.17601065337657928},{"text":"Yeah.","start":1280.005,"end":1280.325,"sentiment":"neutral","sentiment_score":0.25637614727020264},{"text":"I think so.","start":1280.325,"end":1281.225,"sentiment":"neutral","sentiment_score":0.2812778949737549},{"text":"Yep.","start":1315.2051,"end":1315.7051,"sentiment":"neutral","sentiment_score":0.1482946276664734}],"sentiment":"neutral","sentiment_score":0.23042581975460052,"num_words":7,"start":1238.54,"end":1315.7051},{"sentences":[{"text":"Yep.","start":1332.5599,"end":1333.0599,"sentiment":"neutral","sentiment_score":0.07974494993686676},{"text":"No.","start":1336.185,"end":1336.505,"sentiment":"neutral","sentiment_score":-0.27058714628219604},{"text":"That's okay.","start":1336.505,"end":1337.3251,"sentiment":"neutral","sentiment_score":-0.11402550339698792},{"text":"Yeah.","start":1370.605,"end":1371.105,"sentiment":"neutral","sentiment_score":0.18029651045799255},{"text":"Yes.","start":1409.3099,"end":1409.8099,"sentiment":"neutral","sentiment_score":-0.0071381330490112305}],"sentiment":"neutral","sentiment_score":-0.0409558042883873,"num_words":6,"start":1332.5599,"end":1409.8099},{"sentences":[{"text":"Yeah.","start":1420.0299,"end":1420.5299,"sentiment":"neutral","sentiment_score":-0.005429903045296669},{"text":"Yep.","start":1457.1951,"end":1457.6951,"sentiment":"neutral","sentiment_score":0.09946301579475404},{"text":"Yep.","start":1506.84,"end":1507.34,"sentiment":"neutral","sentiment_score":0.18459920585155487},{"text":"Good.","start":1507.4,"end":1507.7999,"sentiment":"positive","sentiment_score":0.5705908536911011},{"text":"Yep.","start":1507.7999,"end":1508.2999,"sentiment":"neutral","sentiment_score":0.30614280700683594}],"sentiment":"neutral","sentiment_score":0.23107319585978986,"num_words":5,"start":1420.0299,"end":1508.2999},{"sentences":[{"text":"Yes, sir.","start":1588.06,"end":1588.6201,"sentiment":"neutral","sentiment_score":0.294457346200943},{"text":"Thanks, sir.","start":1588.6201,"end":1589.52,"sentiment":"positive","sentiment_score":0.545564815402031},{"text":"I think you covered it pretty well.","start":1606.5599,"end":1608.5,"sentiment":"positive","sentiment_score":0.3752788305282593},{"text":"Yep.","start":1649.865,"end":1650.265,"sentiment":"neutral","sentiment_score":0.1991102695465088},{"text":"No worries.","start":1650.265,"end":1650.905,"sentiment":"positive","sentiment_score":0.44384171068668365}],"sentiment":"positive","sentiment_score":0.38527070198740276,"num_words":14,"start":1588.06,"end":1650.905},{"sentences":[{"text":"Thank you very much.","start":1650.905,"end":1652.045,"sentiment":"positive","sentiment_score":0.8158666044473648},{"text":"You too.","start":1655.785,"end":1656.505,"sentiment":"positive","sentiment_score":0.5003332495689392},{"text":"Bye.","start":1656.505,"end":1657.005,"sentiment":"positive","sentiment_score":0.3575977683067322}],"sentiment":"positive","sentiment_score":0.6602472407477242,"num_words":7,"start":1650.905,"end":1657.005}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. White speaking.\n\nChannel 0: Good morning, Wade. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: I'm pretty good. Thanks. Yourself?\n\nChannel 0: Yeah. I'm good. Thank you. I had you booked in to go over your under review for you. Is now still a good time?\n\nChannel 1: Yeah. Pretty good.\n\nChannel 0: Yeah? Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Wade, Kenneth Chadwick. I need to the first 83, and it's 1080 Parkway now.\n\nChannel 0: Perfect. And how's your morning been? Been\n\nChannel 1: Yeah.\n\nChannel 0: busy?\n\nChannel 1: A little bit. Just\n\nChannel 0: Yeah.\n\nChannel 1: trying to get I've got a few customers waiting on some stuff, so I might have to have twenty seconds of time soon just to drop a package off and something.\n\nChannel 0: Yeah. Sure. That's no stress. Just let me know.\n\nChannel 1: Yeah.\n\nChannel 0: That is no problem. Now I also know that you did have a pretty big discussion with my colleague, Tommy. We did advise not too long ago. So today should be pretty straightforward and not take up too much of your time today. It's just kind of just kind of recapping everything and see where everything is at.\n\nBut before\n\nChannel 1: Yep.\n\nChannel 0: I kind of jump into it, do you have any particular questions or anything you\n\nChannel 1: Not\n\nChannel 0: want me to focus on?\n\nChannel 1: particularly. No.\n\nChannel 0: No. Just just just a bit of a catch up. Yeah. Beautiful. Now, Wade, what I will do first is just to go through just a quick fact find just to see if there is anything that has changed between when you spoke to Tommy and now if we need to make any tweaks and changes to your advice.\n\nSo just bear with me as I do confirm this.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your personal information, I have you down here as single with no financial dependence. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And next up, Kim. So in the event that something\n\nChannel 1: Yep.\n\nChannel 0: were to happen to you, I have Joe nominated. Yeah. And what's their relationship to you? Just so I can note that down as well.\n\nChannel 1: Hi. It's just my mother.\n\nChannel 0: Perfect. And phone number hasn't changed. Still ends in 491.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Yep. Perfect. Occupation wise, I have you down there as an account manager. That's still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Income at around 77,000.\n\nChannel 1: It's gone up to 81 now.\n\nChannel 0: Beautiful. I'll just update that.\n\nChannel 1: Yeah. And that's and\n\nChannel 0: Mhmm.\n\nChannel 1: I have another sort of rental income as well. I'm about twenty third.\n\nChannel 0: Ah, yeah. That's 20. And is that from an investment property?\n\nChannel 1: More boarding at my phones.\n\nChannel 0: Oh, yeah. Okay. Perfect. And that was 20,000, did you say, a year?\n\nChannel 1: Over a year. Yeah.\n\nChannel 0: Yes. Alright. Perf yep. That's great. Now I can also see here that you are doing the $75 a week contribution salary sacrifice, which is great.\n\nSo that's all dropping into your account. And your employer is still just paying that standard 12% contribution rate into super. That hasn't changed. There's no EBAs or anything like that in place.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now asset wise, I do wanna just check if what I have here is correct. So I have your property is valued at about\n\nChannel 1: Yep.\n\nChannel 0: 1,400,000. Is that correct? Yep. Beautiful. And I have mortgage of around 465.\n\nChannel 1: It's about 04:16AM.\n\nChannel 0: About $4.60. Perfect. I also have a tractor of about 30,000.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Yep. And you don't have anything owing on that one, do you?\n\nChannel 1: Not not\n\nChannel 0: No.\n\nChannel 1: that supposed\n\nChannel 0: Perfect.\n\nChannel 1: to get out of the vehicle.\n\nChannel 0: Yep. And then I also have a huge at about 20,000.\n\nChannel 1: Yeah. That's yeah. It's probably about maybe probably about eighteen hours.\n\nChannel 0: About yep. Unfortunately, cars do appreciate, don't they? And you don't have yeah. And you don't have anything owing on that one either, do you, Wade? No.\n\nBeautiful. Is there any other new assets that we haven't gone through? Any motorbikes or boats or anything else?\n\nChannel 1: No. No. I've got motorbikes and boats, but I don't think they're really worth much, to be honest. Probably $3 for for both of them.\n\nChannel 0: Oh, yeah. No. That's not too bad. Sorry. Is that two of them?\n\nIs that two motorbikes?\n\nChannel 1: Sorry? Well, I've got one that I'd say is probably worth, yeah, about 1,500.\n\nChannel 0: Yep.\n\nChannel 1: That's the only one I worry about. And then the boat would be, yeah, worth oh, no. I've got an extra engine for that. That's probably worth two, two and a half of the boat.\n\nChannel 0: Oh, beautiful. That's good. And any other liabilities, like personal loans or credit card or ZipPay or anything?\n\nChannel 1: I've got a credit card with a $6,100 limit, but I only owe about $900 on it, I guess. Not even.\n\nChannel 0: Perfect. Yep.\n\nChannel 1: Yeah. And\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: is that\n\nChannel 1: I\n\nChannel 0: mainly\n\nChannel 1: put\n\nChannel 0: used for, like, points and stuff?\n\nChannel 1: yeah. Pretty much. And\n\nChannel 0: Yeah.\n\nChannel 1: I have and I put $50 weekly back onto that card.\n\nChannel 0: Yes. Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. That's good. And when it comes through health and lifestyle, I have here a note that you used to be a smoker, but stopped would have been over six months ago now. Is that correct?\n\nChannel 1: I've had a couple of slip ups.\n\nChannel 0: No. That's okay. When because I do have a little note here from Tommy, so I might just amend that. So if you do, at any point, decide to to stop smoking or vaping or any nicotine, essentially, just with the insurances. So when and if it has been a twelve month, just\n\nChannel 1: Yeah.\n\nChannel 0: let us know because that's when we can look at removing those rates if that ever becomes applicable for you. So just kind of keep that in mind. If not,\n\nChannel 1: Yeah.\n\nChannel 0: we usually\n\nChannel 1: Yeah.\n\nChannel 0: touch base in regards to it during under review, so each year, and see how things are how things are progressing as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Beautiful. Now any other significant health issues or injuries or anything? Nope. That's great.\n\nAnd when it comes to estate planning, do you have a will or power of attorney or anything like that in place?\n\nChannel 1: I've got a wheel that I'm about to fill out, which I\n\nChannel 0: Okay.\n\nChannel 1: probably shouldn't have put in. But, yeah, I've got it sitting there on my desk to do, but\n\nChannel 0: That's Alicia's in the pro Alicia's in the process.\n\nChannel 1: yeah. Yeah. My mom's pushing me into it. So\n\nChannel 0: Yeah. That's\n\nChannel 1: yeah.\n\nChannel 0: good. It's one of\n\nChannel 1: Yeah.\n\nChannel 0: those things that everyone's always like, oh, yeah. I know I should get onto it. But then, obviously, life gets in the way and things happen.\n\nChannel 1: Yeah.\n\nChannel 0: So that's understandable. But at least it's kind of on the radar anyway to have a look at, which is good. Now, also, when it comes to your superannuation and your insurances, I can see here that we don't currently have a nomination on file for for that.\n\nChannel 1: Yep.\n\nChannel 0: Do you\n\nChannel 1: Yeah.\n\nChannel 0: remember receiving those forms at all?\n\nChannel 1: I do. I do.\n\nChannel 0: Mhmm.\n\nChannel 1: I think I might have I might have already printed them out. I had to do it at work.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I think I've got the hang on a second.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: I'm just gonna I'm just gonna pull over here. I have a look at something. So I've got other facilities sacrifice letter. Making a death benefit nomination?\n\nChannel 0: Yes.\n\nChannel 1: Is\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: the one.\n\nChannel 1: yeah. So I've got it\n\nChannel 0: Yep.\n\nChannel 1: all printed out. It's in my hands at the moment, so\n\nChannel 0: Okay.\n\nChannel 1: I can look into that, say that it's\n\nChannel 0: Yeah.\n\nChannel 1: afternoon, I guess.\n\nChannel 0: Yep. Beautiful. And then you can always scan it and send it back or and then we can get that all uploaded for you. Now when it comes through the nomination, if you have any questions, because they can be a little bit convoluted. There are different rules and legislation in place on who you can nominate.\n\nDo you have any questions or idea of who you would like to nominate?\n\nChannel 1: I don't really know top of my head, but I probably\n\nChannel 0: Okay.\n\nChannel 1: will need to have some questions.\n\nChannel 0: When when you have decided, let us know. But, essentially, just as a brief overview for you, they do make it quite strict on who you can actually nominate directly\n\nChannel 1: Yep.\n\nChannel 0: through the CSAC. So the only people that you can put, like, straight down on the form is either a spouse, a child, or someone who is financially dependent on you or you are in a interdependency relationship. Basically, what that means is someone who must remain financially dependent on you at the time of your passing, and you need to have a close personal relationship while living together and providing financial or domestic or personal care support. So they make it quite strict. Now if,\n\nChannel 1: Yes.\n\nChannel 0: for instance\n\nChannel 1: Yes.\n\nChannel 0: yeah. So\n\nChannel 1: Yes.\n\nChannel 0: now if, for instance, you wanted to nominate parents or siblings, nephews and niece, friends, whatever it might be that don't fall into this particular category, you can still nominate them. We would just have to structure it a little bit differently. So what you would do, if that is something you do decide, is on the form, you would just select that it goes through a legal personal representative, which is one of the boxes on the form. Basically, what that means is that it just reverts back to your will. And then in your will, you can nominate whoever you want to.\n\nSo in your will, you could say you would like your super to go through x. You want your insurance to go through x person, and that is perfectly\n\nChannel 1: So what what was that again? I can't\n\nChannel 0: fine.\n\nChannel 1: say that.\n\nChannel 0: No. So\n\nChannel 1: Say\n\nChannel 0: on the form, there should be a box where you can put a nomination so you can choose. It says, like, name, date of birth, and stuff, but there's also a box where it says LPR, so legal personal representative. There should be a little tick tick box.\n\nChannel 1: No. There isn't. It's just spouse, child, financial dependent, or interdependent.\n\nChannel 0: And there's nothing next to that.\n\nChannel 1: No. It just\n\nChannel 0: Okay.\n\nChannel 1: says\n\nChannel 0: Let me\n\nChannel 1: portion\n\nChannel 0: see.\n\nChannel 1: of total benefit. This\n\nChannel 0: Alright.\n\nChannel 1: is\n\nChannel 0: Let\n\nChannel 1: under\n\nChannel 0: me see. If\n\nChannel 1: beneficiary\n\nChannel 0: I\n\nChannel 1: one, beneficiary\n\nChannel 0: alright.\n\nChannel 1: two,\n\nChannel 0: Let\n\nChannel 1: beneficiary\n\nChannel 0: me\n\nChannel 1: three.\n\nChannel 0: see if I can find the documents that was posted out to you so I can look at it because that definitely should be there.\n\nChannel 1: So legal personal\n\nChannel 0: Yeah.\n\nChannel 1: representative, was it?\n\nChannel 0: Yes. That is correct. Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary,\n\nChannel 1: It's the Zurich Insurance.\n\nChannel 0: first. Alright. Let me see.\n\nChannel 1: Page three and four.\n\nChannel 0: Okay. Sorry. I have it here in front of me. Let me just find where it says. Yes.\n\nSorry. Okay. At the bottom. So it's kind of hidden a little bit. So\n\nChannel 1: Yes. I see now. Yep.\n\nChannel 0: yeah. So\n\nChannel 1: Sorry.\n\nChannel 0: it says legal personal.\n\nChannel 1: Yep.\n\nChannel 0: Personal.\n\nChannel 1: Yep.\n\nChannel 0: So you can just put a 100% in this box if that is what you decide. And then in your will, you can nominate multiple people. You can break down a percentage how you want it to go to each person. But this basically means that it would just go back to your estate.\n\nChannel 1: Yeah.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: essentially,\n\nChannel 1: That makes\n\nChannel 0: you\n\nChannel 1: sense.\n\nChannel 0: are\n\nChannel 1: Yeah.\n\nChannel 0: numb yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: at the top, so under number two, it says nominated beneficiaries. Because, obviously, it's a new policy and we don't have a nomination in file, you would just tick the first box where it says I am making my first non lapsing binding Beth nomination.\n\nChannel 1: Yep. They took that one.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And just for your reference, because there are a few different ways you can nominate. So when you go to the Superfund section, you will see a few different options. So nonlapsing, what that means is basically stays in place. It is it stays in place until you decide that you wanna change it,\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: which is good. Now on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the\n\nChannel 1: Okay.\n\nChannel 0: form. Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: then the other confusing thing is that you can then choose a binding or nonbinding option. So a binding option, kind of what the name says, it means that trustee, so of your super fund and your insurance are are basically bound by follow your wishes. So it is the most certain. The nonbinding basically tells them that this is what you want to have happen, but they ultimately have the discretion of deciding if they feel like there's someone else that has a better claim to it. So binding\n\nChannel 1: Yeah.\n\nChannel 0: gives you more certainty.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Does that make sense? I know it can be a bit confusing. They don't they don't make it easy.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Beautiful. Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same?\n\nChannel 1: Yeah. All the\n\nChannel 0: Yep.\n\nChannel 1: time.\n\nChannel 0: Yep. Beautiful. Now when it comes to your risk profile, so if it's been a while since we've gone kind of spoken to you when it comes to your investments, we tend to go through, like, a new updated risk profile questionnaire to see if anything has changed. But I know you went through all of that with Tommy not long ago. So, essentially, we have you invested in your growth portfolio.\n\nDo you remember what it means to be a growth investor at all when you spoke to Tommy?\n\nChannel 1: It means a bit more than moderate, isn't it? Like, it's a bit more aggressive, I think. Is that\n\nChannel 0: Yeah.\n\nChannel 1: correct?\n\nChannel 0: So it yeah. So it's kind of somewhere in the middle where you are focusing on, obviously, maximizing growth in your superannuation while you still have plenty of time until retirement,\n\nChannel 1: Yes. Yes.\n\nChannel 0: but also that you understand that there will be some short term fluctuations because of it.\n\nChannel 1: Yes.\n\nChannel 0: It it is kind of a good position. So it's not like your high growth and aggressive, but it is not your defensive and moderate either. So it is kind of somewhere in the middle where you are focusing on growth, wanting a little bit of a defensive portion, but only about 20%. 80% is dedicated to those growth investments to grow your super as much as possible.\n\nChannel 1: Yeah.\n\nChannel 0: Do you still feel like that's, like, aligning with you?\n\nChannel 1: Yeah. I would say\n\nChannel 0: Yep.\n\nChannel 1: so at the moment. Yep.\n\nChannel 0: Yep. And also from a time frame, so when it comes to the risk profile, what is also important aside from, obviously, where you are comfortable with is time. So making sure that you have enough time in the market for, you know, the the little short term fluctuations. And in\n\nChannel 1: Yeah.\n\nChannel 0: a growth portfolio, ideally, we would like to see six years until retirement to make sure you have enough of those like, enough time for the fluctuations, which you certainly have. So from a time frame point of view, you are in a good position as well.\n\nChannel 1: Okay. That's good.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now the the last thing, right, is to just give you a bit of a rundown of basically your insurances and your superannuation and where everything is at. Now because are you still driving at the moment?\n\nChannel 1: I'm just about to run-in and drop off a parcel. I'll be\n\nChannel 0: Okay.\n\nChannel 1: about twenty seconds if that's okay.\n\nChannel 0: Yeah. Sure. Yep. You just let me know when you're back.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Mhmm. It's okay.\n\nChannel 1: It's okay. Yep. I'm back. Yeah.\n\nChannel 0: Yep. Perfect. So, essentially, the next part is just to go through those documents.\n\nChannel 1: Yep.\n\nChannel 0: I have emailed them to you if you have option of accessing them. It makes it a bit easier for you. But if you're driving and and need to get to places, then I can always just run through them with you on the phone. And then later, when it's safe for you to do so when you have time, you can then have a look through them. If you have any questions, you can then let me know.\n\nChannel 1: Yeah. That'd be good. Yes.\n\nChannel 0: Yeah. Okay. Perfect. So I have sent you an email. Now it is directly from me.\n\nWhen you get through the email, it will say click on this link to sign now or something like that. You\n\nChannel 1: Yep.\n\nChannel 0: just have to click on the link first to open up all the documents. Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything. Does\n\nChannel 1: Yeah.\n\nChannel 0: that make sense?\n\nChannel 1: I've done all that before.\n\nChannel 0: Yep.\n\nChannel 1: Pretty\n\nChannel 0: Yep.\n\nChannel 1: pretty sure. Yeah.\n\nChannel 0: Yeah. Yeah. Basically, same for when you did the the SOA presentation. Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances. But you do have your super with hub twenty four, and you do have a $164,892 in there.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have insurances with Zurich. So you have life and total permanent disability insurance, and that is $1,000,000. Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. Yep. If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work. So it's still a decent amount for you. And then you also have income protection, and that is covering you for $4,492 per month.\n\nYou do have a thirty day waiting period on that one, and the benefit for five years. Those\n\nChannel 1: Yep.\n\nChannel 0: three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%. So total premium for all those three is $2,542.\n\nChannel 1: Yep.\n\nChannel 0: Any questions with any of those?\n\nChannel 1: No. That's okay.\n\nChannel 0: No. Perfect. And then you also have trauma insurance. So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts. So it makes it a little bit cheaper for you.\n\nThat is paid out of pocket, and it's about $73.88 per month.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now the next document you will see when you have a look at the email is a bit of a performance report. So it shows you your portfolio in Hub twenty four to how your money is invested. It breaks down all your individual investments and how they have performed as well.\n\nNow your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago. So it might look like you have a little bit more different investments in there, but that is just because you sold out of some and bought\n\nChannel 1: Yes.\n\nChannel 0: some. So it might look a little bit messy, but that is basically to show you, where you have your money and how each investment have performed.\n\nChannel 1: Yeah.\n\nChannel 0: Now, obviously yeah. Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything. So we have seen a bit of fluctuations in the market recently. In saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Perfect. Now the next document you will see is just a Vanguard index chart. Basically, what it is, it is a graph, and it just shows you it's kind of a good visual representation of what we are talking about when we are talking about the market.\n\nWhen you do have a look at it, you can essentially see that over the long term, market always goes up. But short term, you will have some ups and downs and market fluctuations. Yep. Now the next three documents, it is just your certificate of currency with Zurich. So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Good. Yep.\n\nChannel 0: Then the second last document, it is your OQ services guide. You would have seen this one with Tommy as well. It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU. If you do have a bit of a read over it, you will see the directors, all our advisers. You can see Tommy actually on page nine if you wanna put a face to the voice.\n\nAnd then page 10, you can see myself as well if you do wanna put a face to who you are talking to. Yep. Perfect. Now the last document, it is your ongoing service agreement. Now this one here is where it will ask you to to sign if you are happy to do so.\n\nAnd, basically, what it is, it is just to say that you are happy to stay on as a client. Now there is no changes at all in regards to the fee structure for you. It stays exactly the same at 1.65, and it is not a lock in contract. So if at any point in time, you are not happy, this is not a lock in contract. But by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime.\n\nDoes that make sense?\n\nChannel 1: Yes, sir. Thanks, sir.\n\nChannel 0: Yep. Yep. Beautiful. So that is essentially the documents and what I have had to run through with you today. Before I kind of let you go and get on with your day, do you have any other questions for me?\n\nChannel 1: I think you covered it pretty well.\n\nChannel 0: No? Yeah. Yeah. Beautiful. So when you have a moment, have a look through that email for me.\n\nIf you have any questions, just give me a call or or send us an email. Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me. And I will get that all loaded and uploaded for you. And I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you. Yep.\n\nBeautiful. Well, I will let you go away to get on with your day. But if there's anything you need at any point in time, don't hesitate to give us a call. Okay?\n\nChannel 1: Yep. No worries. Thank you very much.\n\nChannel 0: No problem at all. You have a good rest of your day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.04519247263669968},{"text":"White speaking.","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.05527483858168125}],"sentiment":"neutral","sentiment_score":0.05191404993335406,"channel":1,"num_words":3,"start":1.76,"end":2.98},{"sentences":[{"text":"Good morning, Wade.","start":3.76,"end":4.56,"sentiment":"positive","sentiment_score":0.34005383650461835},{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.58,"sentiment":"neutral","sentiment_score":0.2892608344554901},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2161287268002828}],"sentiment":"neutral","sentiment_score":0.28367605805397034,"channel":0,"num_words":12,"start":3.76,"end":7.54},{"sentences":[{"text":"I'm pretty good.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.6241884628931681},{"text":"Thanks.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.6599942445755005},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.3508546054363251}],"sentiment":"positive","sentiment_score":0.576682847738266,"channel":1,"num_words":5,"start":7.9199996,"end":9.54},{"sentences":[{"text":"Yeah.","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":0.3303416073322296},{"text":"I'm good.","start":10.639999,"end":11.12,"sentiment":"positive","sentiment_score":0.4909350723028183},{"text":"Thank you.","start":11.12,"end":11.94,"sentiment":"positive","sentiment_score":0.640187531709671},{"text":"I had you booked in to go over your under review for you.","start":12.924999,"end":15.964999,"sentiment":"neutral","sentiment_score":0.2453169306883445},{"text":"Is now still a good time?","start":15.964999,"end":17.425,"sentiment":"neutral","sentiment_score":0.17907006541887918}],"sentiment":"neutral","sentiment_score":0.28567197111745674,"channel":0,"num_words":24,"start":10.24,"end":17.425},{"sentences":[{"text":"Yeah.","start":18.525,"end":18.845001,"sentiment":"neutral","sentiment_score":0.17687013745307922},{"text":"Pretty good.","start":18.845001,"end":19.665,"sentiment":"neutral","sentiment_score":0.3257785439491272}],"sentiment":"neutral","sentiment_score":0.2761424084504445,"channel":1,"num_words":3,"start":18.525,"end":19.665},{"sentences":[{"text":"Yeah?","start":20.045,"end":20.445,"sentiment":"neutral","sentiment_score":0.13879942893981934},{"text":"Okay.","start":20.445,"end":20.945,"sentiment":"neutral","sentiment_score":0.2172086238861084},{"text":"Perfect.","start":21.005,"end":21.505,"sentiment":"neutral","sentiment_score":0.32212042808532715}],"sentiment":"neutral","sentiment_score":0.2260428269704183,"channel":0,"num_words":3,"start":20.045,"end":21.505},{"sentences":[{"text":"Yeah.","start":21.244999,"end":21.744999,"sentiment":"neutral","sentiment_score":0.12173197418451308}],"sentiment":"neutral","sentiment_score":0.12173197418451308,"channel":1,"num_words":1,"start":21.244999,"end":21.744999},{"sentences":[{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":22.845,"end":30.72,"sentiment":"neutral","sentiment_score":0.04295287248013275}],"sentiment":"neutral","sentiment_score":0.04295287248013275,"channel":0,"num_words":28,"start":22.845,"end":30.72},{"sentences":[{"text":"Yep.","start":32.22,"end":32.72,"sentiment":"neutral","sentiment_score":0.07528717815876007}],"sentiment":"neutral","sentiment_score":0.07528717815876007,"channel":1,"num_words":1,"start":32.22,"end":32.72},{"sentences":[{"text":"Yep.","start":32.94,"end":33.44,"sentiment":"neutral","sentiment_score":0.10612982511520386},{"text":"Perfect.","start":33.5,"end":34.0,"sentiment":"neutral","sentiment_score":0.23837000131607056},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please?","start":34.22,"end":44.135002,"sentiment":"neutral","sentiment_score":0.08969961245145117}],"sentiment":"neutral","sentiment_score":0.0941617908711369,"channel":0,"num_words":37,"start":32.94,"end":44.135002},{"sentences":[{"text":"Yeah.","start":44.954998,"end":45.355,"sentiment":"neutral","sentiment_score":0.022085431963205338},{"text":"Wade, Kenneth Chadwick.","start":45.355,"end":46.635,"sentiment":"neutral","sentiment_score":0.018913145487507183},{"text":"I need to the first 83, and it's 1080 Parkway now.","start":46.635,"end":51.774998,"sentiment":"neutral","sentiment_score":0.034924385053190315}],"sentiment":"neutral","sentiment_score":0.03086620693405469,"channel":1,"num_words":15,"start":44.954998,"end":51.774998},{"sentences":[{"text":"Perfect.","start":53.65,"end":53.730003,"sentiment":"neutral","sentiment_score":0.24500848352909088},{"text":"And how's your morning been?","start":53.730003,"end":55.010002,"sentiment":"neutral","sentiment_score":0.09544620364904403},{"text":"Been","start":55.010002,"end":55.170002,"sentiment":"neutral","sentiment_score":0.013653945177793505}],"sentiment":"neutral","sentiment_score":0.10512763527887208,"channel":0,"num_words":7,"start":53.65,"end":55.170002},{"sentences":[{"text":"Yeah.","start":55.05,"end":55.55,"sentiment":"neutral","sentiment_score":-0.003948839381337166}],"sentiment":"neutral","sentiment_score":-0.003948839381337166,"channel":1,"num_words":1,"start":55.05,"end":55.55},{"sentences":[{"text":"busy?","start":55.170002,"end":55.670002,"sentiment":"neutral","sentiment_score":-0.010490316897630692}],"sentiment":"neutral","sentiment_score":-0.010490316897630692,"channel":0,"num_words":1,"start":55.170002,"end":55.670002},{"sentences":[{"text":"A little bit.","start":56.809998,"end":57.61,"sentiment":"neutral","sentiment_score":-0.031842400009433426},{"text":"Just","start":57.61,"end":57.93,"sentiment":"neutral","sentiment_score":-0.02457689307630062}],"sentiment":"neutral","sentiment_score":-0.030026023276150227,"channel":1,"num_words":4,"start":56.809998,"end":57.93},{"sentences":[{"text":"Yeah.","start":57.890003,"end":58.390003,"sentiment":"neutral","sentiment_score":-0.024243323132395744}],"sentiment":"neutral","sentiment_score":-0.024243323132395744,"channel":0,"num_words":1,"start":57.890003,"end":58.390003},{"sentences":[{"text":"trying to get I've got a few customers waiting on some stuff, so I might have to have twenty seconds of time soon just to drop a package off and something.","start":57.93,"end":66.75,"sentiment":"neutral","sentiment_score":-0.016174138012912967}],"sentiment":"neutral","sentiment_score":-0.016174138012912967,"channel":1,"num_words":31,"start":57.93,"end":66.75},{"sentences":[{"text":"Yeah.","start":67.25,"end":67.65,"sentiment":"neutral","sentiment_score":0.06355762481689453},{"text":"Sure.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.10488961637020112},{"text":"That's no stress.","start":67.97,"end":68.87,"sentiment":"neutral","sentiment_score":0.15599241852760315},{"text":"Just let me know.","start":68.975,"end":69.875,"sentiment":"neutral","sentiment_score":0.181418314576149}],"sentiment":"neutral","sentiment_score":0.1513441950082779,"channel":0,"num_words":9,"start":67.25,"end":69.875},{"sentences":[{"text":"Yeah.","start":70.674995,"end":71.174995,"sentiment":"neutral","sentiment_score":0.13138705492019653}],"sentiment":"neutral","sentiment_score":0.13138705492019653,"channel":1,"num_words":1,"start":70.674995,"end":71.174995},{"sentences":[{"text":"That is no problem.","start":70.895,"end":72.59499,"sentiment":"neutral","sentiment_score":0.18965895101428032},{"text":"Now I also know that you did have a pretty big discussion with my colleague, Tommy.","start":73.215,"end":77.55499,"sentiment":"neutral","sentiment_score":0.1190131395123899},{"text":"We did advise not too long ago.","start":78.09499,"end":80.274994,"sentiment":"neutral","sentiment_score":0.1335234588810376},{"text":"So today should be pretty straightforward and not take up too much of your time today.","start":80.655,"end":85.47,"sentiment":"neutral","sentiment_score":0.16829653922468424},{"text":"It's just kind of just kind of recapping everything and see where everything is at.","start":85.47,"end":89.729996,"sentiment":"neutral","sentiment_score":0.10270364185174306}],"sentiment":"neutral","sentiment_score":0.13501395696196064,"channel":0,"num_words":58,"start":70.895,"end":89.729996},{"sentences":[{"text":"But before","start":90.189995,"end":90.909996,"sentiment":"neutral","sentiment_score":0.01120081264525652}],"sentiment":"neutral","sentiment_score":0.01120081264525652,"channel":0,"num_words":2,"start":90.189995,"end":90.909996},{"sentences":[{"text":"Yep.","start":90.58,"end":91.08,"sentiment":"neutral","sentiment_score":0.002039998769760132}],"sentiment":"neutral","sentiment_score":0.002039998769760132,"channel":1,"num_words":1,"start":90.58,"end":91.08},{"sentences":[{"text":"I kind of jump into it, do you have any particular questions or anything you","start":90.909996,"end":95.715004,"sentiment":"neutral","sentiment_score":-0.01388868714372317}],"sentiment":"neutral","sentiment_score":-0.01388868714372317,"channel":0,"num_words":15,"start":90.909996,"end":95.715004},{"sentences":[{"text":"Not","start":95.555,"end":96.055,"sentiment":"neutral","sentiment_score":-0.07872551679611206}],"sentiment":"neutral","sentiment_score":-0.07872551679611206,"channel":1,"num_words":1,"start":95.555,"end":96.055},{"sentences":[{"text":"want me to focus on?","start":95.715004,"end":97.335,"sentiment":"neutral","sentiment_score":-0.10391188859939575}],"sentiment":"neutral","sentiment_score":-0.10391188859939575,"channel":0,"num_words":5,"start":95.715004,"end":97.335},{"sentences":[{"text":"particularly.","start":99.314995,"end":99.814995,"sentiment":"neutral","sentiment_score":-0.0447680689394474},{"text":"No.","start":100.034996,"end":100.534996,"sentiment":"neutral","sentiment_score":-0.07929161190986633}],"sentiment":"neutral","sentiment_score":-0.06202984042465687,"channel":1,"num_words":2,"start":99.314995,"end":100.534996},{"sentences":[{"text":"No.","start":100.675,"end":100.995,"sentiment":"neutral","sentiment_score":-0.07819678634405136},{"text":"Just just just a bit of a catch 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this.","start":121.42,"end":124.425,"sentiment":"neutral","sentiment_score":0.10832908079028129}],"sentiment":"neutral","sentiment_score":0.10832908079028129,"channel":0,"num_words":10,"start":121.42,"end":124.425},{"sentences":[{"text":"Yep.","start":125.5,"end":125.955,"sentiment":"neutral","sentiment_score":0.1044103503227234}],"sentiment":"neutral","sentiment_score":0.1044103503227234,"channel":1,"num_words":1,"start":125.5,"end":125.955},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as single with no financial dependence.","start":125.625,"end":132.845,"sentiment":"neutral","sentiment_score":0.09651320231588263},{"text":"Is that correct?","start":132.905,"end":133.80501,"sentiment":"neutral","sentiment_score":0.10155600309371948}],"sentiment":"neutral","sentiment_score":0.09720085696740584,"channel":0,"num_words":22,"start":125.625,"end":133.80501},{"sentences":[{"text":"Yep.","start":134.435,"end":134.935,"sentiment":"neutral","sentiment_score":0.0821382999420166}],"sentiment":"neutral","sentiment_score":0.0821382999420166,"channel":1,"num_words":1,"start":134.435,"end":134.935},{"sentences":[{"text":"Yep.","start":135.225,"end":135.625,"sentiment":"neutral","sentiment_score":0.13707032799720764},{"text":"Beautiful.","start":135.625,"end":136.125,"sentiment":"positive","sentiment_score":0.34888267517089844},{"text":"And next up, Kim.","start":136.345,"end":137.34999,"sentiment":"neutral","sentiment_score":0.15916593372821808},{"text":"So in the event that something","start":137.34999,"end":138.70999,"sentiment":"neutral","sentiment_score":0.03487495053559542}],"sentiment":"neutral","sentiment_score":0.11098887010787924,"channel":0,"num_words":12,"start":135.225,"end":138.70999},{"sentences":[{"text":"Yep.","start":138.58,"end":139.08,"sentiment":"neutral","sentiment_score":0.04375849664211273}],"sentiment":"neutral","sentiment_score":0.04375849664211273,"channel":1,"num_words":1,"start":138.58,"end":139.08},{"sentences":[{"text":"were to happen to you, I have Joe nominated.","start":138.70999,"end":142.17,"sentiment":"neutral","sentiment_score":0.08354632597830561},{"text":"Yeah.","start":144.15,"end":144.47,"sentiment":"neutral","sentiment_score":0.06500121206045151},{"text":"And what's their relationship to you?","start":144.47,"end":146.79,"sentiment":"neutral","sentiment_score":0.02530437024931113},{"text":"Just so I can note that down as 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now.","start":173.25,"end":176.70999,"sentiment":"neutral","sentiment_score":0.21456705778837204}],"sentiment":"neutral","sentiment_score":0.21456705778837204,"channel":1,"num_words":6,"start":173.25,"end":176.70999},{"sentences":[{"text":"Beautiful.","start":177.63,"end":178.13,"sentiment":"positive","sentiment_score":0.5972222089767456},{"text":"I'll just update that.","start":178.725,"end":180.10501,"sentiment":"positive","sentiment_score":0.37593627721071243}],"sentiment":"positive","sentiment_score":0.42019346356391907,"channel":0,"num_words":5,"start":177.63,"end":180.10501},{"sentences":[{"text":"Yeah.","start":181.58499,"end":181.985,"sentiment":"neutral","sentiment_score":0.10057827830314636},{"text":"And that's 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Tommy?","start":1024.9149,"end":1029.4149,"sentiment":"neutral","sentiment_score":0.05251429850856463}],"sentiment":"neutral","sentiment_score":0.05251429850856463,"channel":0,"num_words":18,"start":1024.9149,"end":1029.4149},{"sentences":[{"text":"It means a bit more than moderate, isn't it?","start":1031.515,"end":1034.555,"sentiment":"neutral","sentiment_score":-0.002546717723210653},{"text":"Like, it's a bit more aggressive, I think.","start":1034.555,"end":1036.8151,"sentiment":"neutral","sentiment_score":-0.018149873008951545},{"text":"Is 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me.","start":1206.3,"end":1208.88,"sentiment":"neutral","sentiment_score":0.10152869299054146}],"sentiment":"neutral","sentiment_score":0.13528744596987963,"channel":0,"num_words":16,"start":1203.015,"end":1208.88},{"sentences":[{"text":"When you get through the email, it will say click on this link to sign now or something like that.","start":1209.8201,"end":1218.16,"sentiment":"neutral","sentiment_score":0.07720083259046077},{"text":"You","start":1219.075,"end":1219.315,"sentiment":"neutral","sentiment_score":0.09563178569078444}],"sentiment":"neutral","sentiment_score":0.07807849702380952,"channel":0,"num_words":21,"start":1209.8201,"end":1219.315},{"sentences":[{"text":"Yep.","start":1219.16,"end":1219.66,"sentiment":"neutral","sentiment_score":0.1848447322845459}],"sentiment":"neutral","sentiment_score":0.1848447322845459,"channel":1,"num_words":1,"start":1219.16,"end":1219.66},{"sentences":[{"text":"just have to click on the link first to open up all the documents.","start":1219.315,"end":1223.3949,"sentiment":"neutral","sentiment_score":0.1448662861117295},{"text":"Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything.","start":1223.3949,"end":1235.24,"sentiment":"neutral","sentiment_score":0.17026625825343905},{"text":"Does","start":1235.62,"end":1235.7,"sentiment":"neutral","sentiment_score":0.07631128281354904}],"sentiment":"neutral","sentiment_score":0.16162097776451936,"channel":0,"num_words":52,"start":1219.315,"end":1235.7},{"sentences":[{"text":"Yeah.","start":1235.66,"end":1235.98,"sentiment":"neutral","sentiment_score":0.1270400881767273}],"sentiment":"neutral","sentiment_score":0.1270400881767273,"channel":1,"num_words":1,"start":1235.66,"end":1235.98},{"sentences":[{"text":"that make 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before.","start":1235.98,"end":1237.2001,"sentiment":"neutral","sentiment_score":0.065936279296875}],"sentiment":"neutral","sentiment_score":0.065936279296875,"channel":1,"num_words":5,"start":1235.98,"end":1237.2001},{"sentences":[{"text":"Yep.","start":1236.82,"end":1237.32,"sentiment":"neutral","sentiment_score":0.15415215492248535}],"sentiment":"neutral","sentiment_score":0.15415215492248535,"channel":0,"num_words":1,"start":1236.82,"end":1237.32},{"sentences":[{"text":"Pretty","start":1237.58,"end":1237.9,"sentiment":"neutral","sentiment_score":0.23152710497379303}],"sentiment":"neutral","sentiment_score":0.23152710497379303,"channel":1,"num_words":1,"start":1237.58,"end":1237.9},{"sentences":[{"text":"Yep.","start":1237.7799,"end":1238.2799,"sentiment":"neutral","sentiment_score":0.22619855403900144}],"sentiment":"neutral","sentiment_score":0.22619855403900144,"channel":0,"num_words":1,"start":1237.7799,"end":1238.2799},{"sentences":[{"text":"pretty sure.","start":1237.9,"end":1238.54,"sentiment":"neutral","sentiment_score":0.2631447911262512},{"text":"Yeah.","start":1238.54,"end":1239.04,"sentiment":"neutral","sentiment_score":0.18846562504768372}],"sentiment":"neutral","sentiment_score":0.23825173576672873,"channel":1,"num_words":3,"start":1237.9,"end":1239.04},{"sentences":[{"text":"Yeah.","start":1239.0599,"end":1239.5599,"sentiment":"neutral","sentiment_score":0.17669788002967834},{"text":"Yeah.","start":1239.7,"end":1240.1,"sentiment":"neutral","sentiment_score":0.16398265957832336},{"text":"Basically, same for when you did the the SOA presentation.","start":1240.1,"end":1243.0,"sentiment":"neutral","sentiment_score":0.17220554798841475},{"text":"Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances.","start":1244.74,"end":1250.745,"sentiment":"neutral","sentiment_score":0.14736351494987807},{"text":"But you do have your super with hub twenty four, and you do have a $164,892 in there.","start":1251.365,"end":1260.3451,"sentiment":"neutral","sentiment_score":0.17574315849277708}],"sentiment":"neutral","sentiment_score":0.15956362743269314,"channel":0,"num_words":66,"start":1239.0599,"end":1260.3451},{"sentences":[{"text":"Yep.","start":1262.0599,"end":1262.5599,"sentiment":"neutral","sentiment_score":0.17601065337657928}],"sentiment":"neutral","sentiment_score":0.17601065337657928,"channel":1,"num_words":1,"start":1262.0599,"end":1262.5599},{"sentences":[{"text":"And then you also have insurances with Zurich.","start":1262.165,"end":1265.76,"sentiment":"neutral","sentiment_score":0.1835118643939495},{"text":"So you have life and total permanent disability insurance, and that is $1,000,000.","start":1265.9,"end":1273.04,"sentiment":"neutral","sentiment_score":0.17402635056238908},{"text":"Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals?","start":1273.42,"end":1279.195,"sentiment":"positive","sentiment_score":0.3617402399363725}],"sentiment":"neutral","sentiment_score":0.273874158886346,"channel":0,"num_words":44,"start":1262.165,"end":1279.195},{"sentences":[{"text":"Yeah.","start":1280.005,"end":1280.325,"sentiment":"neutral","sentiment_score":0.25637614727020264},{"text":"I think so.","start":1280.325,"end":1281.225,"sentiment":"neutral","sentiment_score":0.2812778949737549}],"sentiment":"neutral","sentiment_score":0.2750524580478668,"channel":1,"num_words":4,"start":1280.005,"end":1281.225},{"sentences":[{"text":"Yep.","start":1281.1749,"end":1281.6749,"sentiment":"neutral","sentiment_score":0.24223248660564425},{"text":"Yep.","start":1281.735,"end":1282.135,"sentiment":"neutral","sentiment_score":0.25705963373184204},{"text":"If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work.","start":1282.135,"end":1294.39,"sentiment":"neutral","sentiment_score":0.11941030307819969},{"text":"So it's still a decent amount for you.","start":1294.85,"end":1297.11,"sentiment":"positive","sentiment_score":0.47770243883132935},{"text":"And then you also have income protection, and that is covering you for $4,492 per month.","start":1297.25,"end":1306.205,"sentiment":"neutral","sentiment_score":0.20722685661166906}],"sentiment":"neutral","sentiment_score":0.19022082583978772,"channel":0,"num_words":64,"start":1281.1749,"end":1306.205},{"sentences":[{"text":"You do have a thirty day waiting period on that one, and the benefit for five years.","start":1306.665,"end":1313.725,"sentiment":"neutral","sentiment_score":0.18413188834400737},{"text":"Those","start":1315.145,"end":1315.645,"sentiment":"neutral","sentiment_score":0.1433391273021698}],"sentiment":"neutral","sentiment_score":0.18186562384168306,"channel":0,"num_words":18,"start":1306.665,"end":1315.645},{"sentences":[{"text":"Yep.","start":1315.2051,"end":1315.7051,"sentiment":"neutral","sentiment_score":0.1482946276664734}],"sentiment":"neutral","sentiment_score":0.1482946276664734,"channel":1,"num_words":1,"start":1315.2051,"end":1315.7051},{"sentences":[{"text":"three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%.","start":1315.865,"end":1324.98,"sentiment":"neutral","sentiment_score":0.23460835076513745},{"text":"So total premium for all those three is $2,542.","start":1325.36,"end":1330.635,"sentiment":"neutral","sentiment_score":0.1645239012108909}],"sentiment":"neutral","sentiment_score":0.21358301589886347,"channel":0,"num_words":30,"start":1315.865,"end":1330.635},{"sentences":[{"text":"Yep.","start":1332.5599,"end":1333.0599,"sentiment":"neutral","sentiment_score":0.07974494993686676}],"sentiment":"neutral","sentiment_score":0.07974494993686676,"channel":1,"num_words":1,"start":1332.5599,"end":1333.0599},{"sentences":[{"text":"Any questions with any of those?","start":1332.795,"end":1334.575,"sentiment":"neutral","sentiment_score":0.039770894373456635}],"sentiment":"neutral","sentiment_score":0.039770894373456635,"channel":0,"num_words":6,"start":1332.795,"end":1334.575},{"sentences":[{"text":"No.","start":1336.185,"end":1336.505,"sentiment":"neutral","sentiment_score":-0.27058714628219604},{"text":"That's okay.","start":1336.505,"end":1337.3251,"sentiment":"neutral","sentiment_score":-0.11402550339698792}],"sentiment":"neutral","sentiment_score":-0.16621271769205728,"channel":1,"num_words":3,"start":1336.185,"end":1337.3251},{"sentences":[{"text":"No.","start":1337.275,"end":1337.775,"sentiment":"neutral","sentiment_score":-0.219333216547966},{"text":"Perfect.","start":1338.3151,"end":1338.8151,"sentiment":"positive","sentiment_score":0.33400169014930725},{"text":"And then you also have trauma insurance.","start":1339.1951,"end":1342.255,"sentiment":"neutral","sentiment_score":0.11433782827641283},{"text":"So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts.","start":1342.475,"end":1360.17,"sentiment":"neutral","sentiment_score":0.015122522092001005},{"text":"So it makes it a little bit cheaper for you.","start":1361.115,"end":1363.375,"sentiment":"positive","sentiment_score":0.3772707059979439}],"sentiment":"neutral","sentiment_score":0.08497033815180498,"channel":0,"num_words":63,"start":1337.275,"end":1363.375},{"sentences":[{"text":"That is paid out of pocket, and it's about $73.88 per month.","start":1363.915,"end":1369.455,"sentiment":"neutral","sentiment_score":0.15312554749349752}],"sentiment":"neutral","sentiment_score":0.15312554749349752,"channel":0,"num_words":12,"start":1363.915,"end":1369.455},{"sentences":[{"text":"Yeah.","start":1370.605,"end":1371.105,"sentiment":"neutral","sentiment_score":0.18029651045799255}],"sentiment":"neutral","sentiment_score":0.18029651045799255,"channel":1,"num_words":1,"start":1370.605,"end":1371.105},{"sentences":[{"text":"Yep.","start":1371.515,"end":1371.915,"sentiment":"neutral","sentiment_score":0.3099466562271118},{"text":"Perfect.","start":1371.915,"end":1372.415,"sentiment":"positive","sentiment_score":0.5467376112937927},{"text":"Now the next document you will see when you have a look at the email is a bit of a performance report.","start":1372.89,"end":1380.41,"sentiment":"neutral","sentiment_score":0.24285507608543744},{"text":"So it shows you your portfolio in Hub twenty four to how your money is invested.","start":1380.41,"end":1385.79,"sentiment":"neutral","sentiment_score":0.20124258659780025},{"text":"It breaks down all your individual investments and how they have performed as well.","start":1386.01,"end":1391.8251,"sentiment":"neutral","sentiment_score":0.19448250425713404}],"sentiment":"neutral","sentiment_score":0.22485430345491128,"channel":0,"num_words":54,"start":1371.515,"end":1391.8251},{"sentences":[{"text":"Now your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago.","start":1392.525,"end":1401.265,"sentiment":"neutral","sentiment_score":-0.03832937606299917},{"text":"So it might look like you have a little bit more different investments in there, but that is just because you sold out of some and 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performed.","start":1410.09,"end":1418.7949,"sentiment":"neutral","sentiment_score":0.04505699385817234}],"sentiment":"neutral","sentiment_score":0.043496991197268166,"channel":0,"num_words":27,"start":1409.45,"end":1418.7949},{"sentences":[{"text":"Yeah.","start":1420.0299,"end":1420.5299,"sentiment":"neutral","sentiment_score":-0.005429903045296669}],"sentiment":"neutral","sentiment_score":-0.005429903045296669,"channel":1,"num_words":1,"start":1420.0299,"end":1420.5299},{"sentences":[{"text":"Now, obviously yeah.","start":1420.135,"end":1421.735,"sentiment":"neutral","sentiment_score":-0.023240237807234127},{"text":"Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything.","start":1421.735,"end":1430.135,"sentiment":"neutral","sentiment_score":-0.11377001802126567},{"text":"So we have seen a bit of fluctuations in the market recently.","start":1430.135,"end":1433.3099,"sentiment":"neutral","sentiment_score":-0.18793136440217495},{"text":"In saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months.","start":1434.8899,"end":1455.8551,"sentiment":"neutral","sentiment_score":0.30233509609332454}],"sentiment":"neutral","sentiment_score":0.1029219316491454,"channel":0,"num_words":97,"start":1420.135,"end":1455.8551},{"sentences":[{"text":"Yep.","start":1457.1951,"end":1457.6951,"sentiment":"neutral","sentiment_score":0.09946301579475404}],"sentiment":"neutral","sentiment_score":0.09946301579475404,"channel":1,"num_words":1,"start":1457.1951,"end":1457.6951},{"sentences":[{"text":"Yep.","start":1458.155,"end":1458.655,"sentiment":"neutral","sentiment_score":0.10677498579025269},{"text":"Yep.","start":1458.795,"end":1459.275,"sentiment":"neutral","sentiment_score":0.17753469944000244},{"text":"Perfect.","start":1459.275,"end":1459.775,"sentiment":"positive","sentiment_score":0.3862200379371643},{"text":"Now the next document you will see is just a Vanguard index 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fluctuations.","start":1483.5549,"end":1487.4149,"sentiment":"neutral","sentiment_score":-0.0449252317731197},{"text":"Yep.","start":1490.52,"end":1490.8401,"sentiment":"neutral","sentiment_score":0.06086969375610352},{"text":"Now the next three documents, it is just your certificate of currency with Zurich.","start":1490.8401,"end":1495.9,"sentiment":"neutral","sentiment_score":0.05466614330985716},{"text":"So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date 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the second last document, it is your OQ services guide.","start":1508.265,"end":1513.305,"sentiment":"neutral","sentiment_score":0.1401714804497632},{"text":"You would have seen this one with Tommy as well.","start":1513.305,"end":1516.845,"sentiment":"neutral","sentiment_score":0.1556053191423416},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU.","start":1517.0651,"end":1523.52,"sentiment":"neutral","sentiment_score":0.20345011936581653},{"text":"If you do have a bit of a read over it, you will see the directors, all our advisers.","start":1524.3,"end":1529.04,"sentiment":"neutral","sentiment_score":0.12256699839704915},{"text":"You can see Tommy actually on page nine if you wanna put a face to the 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so.","start":1549.8099,"end":1555.59,"sentiment":"neutral","sentiment_score":0.23312389701604844}],"sentiment":"neutral","sentiment_score":0.18274398730559782,"channel":0,"num_words":55,"start":1535.355,"end":1555.59},{"sentences":[{"text":"And, basically, what it is, it is just to say that you are happy to stay on as a client.","start":1556.0499,"end":1561.4299,"sentiment":"neutral","sentiment_score":0.33106576055288317},{"text":"Now there is no changes at all in regards to the fee structure for you.","start":1562.0499,"end":1567.4451,"sentiment":"neutral","sentiment_score":0.12308256725470225},{"text":"It stays exactly the same at 1.65, and it is not a lock in contract.","start":1567.4451,"end":1573.865,"sentiment":"neutral","sentiment_score":0.1511920188864072},{"text":"So if at any point in time, you are not happy, this is not a lock in contract.","start":1573.925,"end":1578.185,"sentiment":"neutral","sentiment_score":0.06955563670231237},{"text":"But by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime.","start":1579.0499,"end":1585.95,"sentiment":"neutral","sentiment_score":0.32293759480766626}],"sentiment":"neutral","sentiment_score":0.2133516499383764,"channel":0,"num_words":91,"start":1556.0499,"end":1585.95},{"sentences":[{"text":"Does that make sense?","start":1586.09,"end":1587.23,"sentiment":"neutral","sentiment_score":0.13745319657027721}],"sentiment":"neutral","sentiment_score":0.13745319657027721,"channel":0,"num_words":4,"start":1586.09,"end":1587.23},{"sentences":[{"text":"Yes, sir.","start":1588.06,"end":1588.6201,"sentiment":"neutral","sentiment_score":0.294457346200943},{"text":"Thanks, sir.","start":1588.6201,"end":1589.52,"sentiment":"positive","sentiment_score":0.545564815402031}],"sentiment":"positive","sentiment_score":0.42001108080148697,"channel":1,"num_words":4,"start":1588.06,"end":1589.52},{"sentences":[{"text":"Yep.","start":1589.13,"end":1589.63,"sentiment":"neutral","sentiment_score":0.24562720954418185},{"text":"Yep.","start":1589.85,"end":1590.25,"sentiment":"neutral","sentiment_score":0.25911930203437805},{"text":"Beautiful.","start":1590.25,"end":1590.75,"sentiment":"positive","sentiment_score":0.5755208730697632},{"text":"So that is essentially the documents and what I have had to run through with you today.","start":1591.13,"end":1597.565,"sentiment":"neutral","sentiment_score":0.299439903567819},{"text":"Before I kind of let you go and get on with your day, do you have any other questions for me?","start":1598.745,"end":1604.445,"sentiment":"neutral","sentiment_score":0.16687879675910586}],"sentiment":"neutral","sentiment_score":0.2359804994449383,"channel":0,"num_words":41,"start":1589.13,"end":1604.445},{"sentences":[{"text":"I think you covered it pretty well.","start":1606.5599,"end":1608.5,"sentiment":"positive","sentiment_score":0.3752788305282593}],"sentiment":"positive","sentiment_score":0.3752788305282593,"channel":1,"num_words":7,"start":1606.5599,"end":1608.5},{"sentences":[{"text":"No?","start":1608.025,"end":1608.24,"sentiment":"neutral","sentiment_score":0.10469358414411543},{"text":"Yeah.","start":1609.2,"end":1609.6,"sentiment":"neutral","sentiment_score":0.2009272575378418},{"text":"Yeah.","start":1609.6,"end":1610.0,"sentiment":"neutral","sentiment_score":0.30843299627304077},{"text":"Beautiful.","start":1610.0,"end":1610.5,"sentiment":"positive","sentiment_score":0.46765953302383423},{"text":"So when you have a moment, have a look through that email for me.","start":1611.44,"end":1615.2,"sentiment":"neutral","sentiment_score":0.24740619425262725}],"sentiment":"neutral","sentiment_score":0.2525222272508674,"channel":0,"num_words":18,"start":1608.025,"end":1615.2},{"sentences":[{"text":"If you have any questions, just give me a call or or send us an email.","start":1615.2,"end":1619.54,"sentiment":"neutral","sentiment_score":0.17904779873788357},{"text":"Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me.","start":1619.92,"end":1626.585,"sentiment":"positive","sentiment_score":0.37283434801631504},{"text":"And I will get that all loaded and uploaded for you.","start":1626.645,"end":1629.865,"sentiment":"neutral","sentiment_score":0.3172239647670226},{"text":"And I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you.","start":1630.165,"end":1639.6001,"sentiment":"neutral","sentiment_score":0.24351660668849945},{"text":"Yep.","start":1639.6001,"end":1640.1001,"sentiment":"positive","sentiment_score":0.35843273997306824}],"sentiment":"neutral","sentiment_score":0.28583879619836805,"channel":0,"num_words":80,"start":1615.2,"end":1640.1001},{"sentences":[{"text":"Beautiful.","start":1641.2001,"end":1641.7001,"sentiment":"positive","sentiment_score":0.7991434335708618},{"text":"Well, I will let you go away to get on with your day.","start":1641.8401,"end":1644.0801,"sentiment":"positive","sentiment_score":0.5864769495450534},{"text":"But if there's anything you need at any point in time, don't hesitate to give us a call.","start":1644.0801,"end":1648.4,"sentiment":"neutral","sentiment_score":0.21114069471756616},{"text":"Okay?","start":1648.4,"end":1648.9,"sentiment":"neutral","sentiment_score":0.15312731266021729}],"sentiment":"positive","sentiment_score":0.3750607150070595,"channel":0,"num_words":33,"start":1641.2001,"end":1648.9},{"sentences":[{"text":"Yep.","start":1649.865,"end":1650.265,"sentiment":"neutral","sentiment_score":0.1991102695465088},{"text":"No worries.","start":1650.265,"end":1650.905,"sentiment":"positive","sentiment_score":0.44384171068668365},{"text":"Thank you very much.","start":1650.905,"end":1652.045,"sentiment":"positive","sentiment_score":0.8158666044473648}],"sentiment":"positive","sentiment_score":0.6214657298156193,"channel":1,"num_words":7,"start":1649.865,"end":1652.045},{"sentences":[{"text":"No problem at all.","start":1652.585,"end":1653.465,"sentiment":"positive","sentiment_score":0.7251399904489517},{"text":"You have a good rest of your day.","start":1653.465,"end":1654.9249,"sentiment":"positive","sentiment_score":0.7476004362106323}],"sentiment":"positive","sentiment_score":0.7401136209567388,"channel":0,"num_words":12,"start":1652.585,"end":1654.9249},{"sentences":[{"text":"You too.","start":1655.785,"end":1656.505,"sentiment":"positive","sentiment_score":0.5003332495689392},{"text":"Bye.","start":1656.505,"end":1657.005,"sentiment":"positive","sentiment_score":0.3575977683067322}],"sentiment":"positive","sentiment_score":0.4527547558148702,"channel":1,"num_words":3,"start":1655.785,"end":1657.005},{"sentences":[{"text":"Thanks.","start":1657.065,"end":1657.565,"sentiment":"positive","sentiment_score":0.6525530815124512},{"text":"Bye.","start":1657.625,"end":1658.125,"sentiment":"neutral","sentiment_score":-0.11573111265897752}],"sentiment":"neutral","sentiment_score":0.26841098442673683,"channel":0,"num_words":2,"start":1657.065,"end":1658.125}]},"summary":{"result":"success","short":"Representatives from Oakview Financial called Wade to confirm personal and financial information, including assets, employment, and health and lifestyle. They addressed the customer's retirement and estate planning, health and lifestyle issues, and estate planning. The speaker emphasizes the importance of a legal person to remain financially dependent on them at the time of their passing and the need for enough time in the market for short term fluctuations. The agent provides documents and information on insurance, home health, and retirement plans, emphasizing the importance of showing the customer's portfolio in the report and signing annual service agreements and adding a signature to avoid future issues."},"intents":{"segments":[{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please? Yeah.","start_word":82,"end_word":117,"intents":[{"intent":"Confirm identity","confidence_score":0.03436543}]},{"text":"touch base in regards to it during under review, so each year, and see how things are how things are progressing as well. Yeah.","start_word":1015,"end_word":1038,"intents":[{"intent":"Check progress","confidence_score":0.14437023}]},{"text":"Now any other significant health issues or injuries or anything? Nope.","start_word":1041,"end_word":1051,"intents":[{"intent":"Resolve issues","confidence_score":0.0011250426}]},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place?","start_word":1054,"end_word":1075,"intents":[{"intent":"Create estate plan","confidence_score":0.000030027548}]},{"text":"remember receiving those forms at all? I do. I do. Mhmm. I think I might have I might have already printed them out. I had to do it at work. Okay.","start_word":1212,"end_word":1242,"intents":[{"intent":"Print forms","confidence_score":0.39300674}]},{"text":"This is Let under me see. If beneficiary I one, beneficiary alright. two, Let beneficiary me three. see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. So legal personal Yeah.","start_word":1756,"end_word":1801,"intents":[{"intent":"Ensure information","confidence_score":0.00014374254}]},{"text":"If beneficiary I one, beneficiary alright. two, Let beneficiary me three. see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. So legal personal Yeah. representative, was it? Yes. That is correct. Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary, It's the Zurich Insurance. first.","start_word":1762,"end_word":1838,"intents":[{"intent":"Confirm information","confidence_score":0.01690601}]},{"text":"see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. So legal personal Yeah.","start_word":1773,"end_word":1801,"intents":[{"intent":"Find documents","confidence_score":0.056826323},{"intent":"Find documents","confidence_score":0.18573147},{"intent":"Find document","confidence_score":0.002158744}]},{"text":"So you can just put a 100% in this box if that is what you decide. And then in your will, you can nominate multiple people. You can break down a percentage how you want it to go to each person. But this basically means that it would just go back to your estate. Yeah.","start_word":1894,"end_word":1948,"intents":[{"intent":"Divide number of nominees","confidence_score":2.3951418e-7}]},{"text":"Now on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the Okay. form.","start_word":2076,"end_word":2103,"intents":[{"intent":"Recomplete form","confidence_score":0.084672086}]},{"text":"then the other confusing thing is that you can then choose a binding or nonbinding option.","start_word":2106,"end_word":2121,"intents":[{"intent":"Choose binding option","confidence_score":0.27825725}]},{"text":"Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same? Yeah.","start_word":2227,"end_word":2250,"intents":[{"intent":"Inquire about changes in life","confidence_score":0.004953006}]},{"text":"but also that you understand that there will be some short term fluctuations because of it. Yes.","start_word":2399,"end_word":2415,"intents":[{"intent":"Ensure understanding of short term fluctuations","confidence_score":0.00014846763}]},{"text":"Do you still feel like that's, like, aligning with you? Yeah.","start_word":2485,"end_word":2495,"intents":[{"intent":"Align with client and discuss risk profile","confidence_score":0.0001090567}]},{"text":"I have emailed them to you if you have option of accessing them. It makes it a bit easier for you. But if you're driving and and need to get to places, then I can always just run through them with you on the phone. And then later, when it's safe for you to do so when you have time, you can then have a look through them. If you have any questions, you can then let me know. Yeah.","start_word":2705,"end_word":2784,"intents":[{"intent":"Assist with documents and access documents","confidence_score":0.00065459986}]},{"text":"Now the next document you will see when you have a look at the email is a bit of a performance report. So it shows you your portfolio in Hub twenty four to how your money is invested. It breaks down all your individual investments and how they have performed as well.","start_word":3210,"end_word":3261,"intents":[{"intent":"Provide information about performance report","confidence_score":0.000018739329}]},{"text":"So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for Yep. you.","start_word":3539,"end_word":3569,"intents":[{"intent":"Update and update insurances","confidence_score":0.00060259516}]}]},"sentiments":{"segments":[{"text":"Hello. White speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05152023956179619},{"text":"Good morning, Wade.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3445729911327362},{"text":"This is Veronica from Oakview Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2633565068244934},{"text":"I'm pretty good. Thanks. Yourself?","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.5495497584342957},{"text":"Yeah.","start_word":20,"end_word":20,"sentiment":"neutral","sentiment_score":0.3303416073322296},{"text":"I'm good. Thank you.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.5362492799758911},{"text":"I had you booked in to go over your under review for you. Is now still a good time? Yeah. Pretty good. Yeah? Okay. Perfect. Yeah. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address for me, please? Yeah. Wade, Kenneth Chadwick. I need to the first 83, and it's 1080 Parkway now. Perfect. And how's your morning been? Been Yeah. busy? A little bit. Just Yeah. trying to get I've got a few customers waiting on some stuff, so I might have to have twenty seconds of time soon just to drop a package off and something. Yeah. Sure. That's no stress. Just let me know. Yeah. That is no problem. Now I also know that you did have a pretty big discussion with my colleague, Tommy. We did advise not too long ago. So today should be pretty straightforward and not take up too much of your time today. It's just kind of just kind of recapping everything and see where everything is at. But before Yep. I kind of jump into it, do you have any particular questions or anything you Not want me to focus on? particularly. No. No. Just just just a bit of a catch up. Yeah. Beautiful. Now, Wade, what I will do first is just to go through just a quick fact find just to see if there is anything that has changed between when you spoke to Tommy and now if we need to make any tweaks and changes to your advice. So just bear with me as I do confirm this. Yep. Now when it comes to your personal information, I have you down here as single with no financial dependence. Is that correct? Yep. Yep.","start_word":25,"end_word":364,"sentiment":"neutral","sentiment_score":0.07990200072526932},{"text":"Beautiful.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.34888267517089844},{"text":"And next up, Kim. So in the event that something Yep. were to happen to you, I have Joe nominated. Yeah. And what's their relationship to you? Just so I can note that down as well. Hi. It's just my mother.","start_word":366,"end_word":406,"sentiment":"neutral","sentiment_score":0.07462647502742163},{"text":"Perfect.","start_word":407,"end_word":407,"sentiment":"positive","sentiment_score":0.5155417323112488},{"text":"And phone number hasn't changed. Still ends in 491. Yep. That's it. Yep. Perfect. Occupation wise, I have you down there as an account manager. That's still the case? Yep. Yep.","start_word":408,"end_word":438,"sentiment":"neutral","sentiment_score":0.05399736762046814},{"text":"Perfect.","start_word":439,"end_word":439,"sentiment":"positive","sentiment_score":0.3377138376235962},{"text":"Income at around 77,000. It's gone up to 81 now.","start_word":440,"end_word":449,"sentiment":"neutral","sentiment_score":0.21024543046951297},{"text":"Beautiful. I'll just update that.","start_word":450,"end_word":454,"sentiment":"positive","sentiment_score":0.4280805289745331},{"text":"Yeah. And that's and Mhmm. I have another sort of rental income as well. I'm about twenty third. Ah, yeah. That's 20. And is that from an investment property? More boarding at my phones. Oh, yeah. Okay. Perfect. And that was 20,000, did you say, a year? Over a year. Yeah. Yes. Alright. Perf yep.","start_word":455,"end_word":509,"sentiment":"neutral","sentiment_score":0.07704120874404907},{"text":"That's great.","start_word":510,"end_word":511,"sentiment":"positive","sentiment_score":0.6868302226066589},{"text":"Now I can also see here that you are doing the $75 a week contribution salary sacrifice, which is great. So that's all dropping into your account. And your employer is still just paying that standard 12% contribution rate into super. That hasn't changed. There's no EBAs or anything like that in place. Yep. Yep. Perfect. Now asset wise, I do wanna just check if what I have here is correct. So I have your property is valued at about Yep. 1,400,000. Is that correct? Yep.","start_word":512,"end_word":597,"sentiment":"neutral","sentiment_score":0.09573396295309068},{"text":"Beautiful.","start_word":598,"end_word":598,"sentiment":"positive","sentiment_score":0.4316008388996124},{"text":"And I have mortgage of around 465. It's about 04:16AM. About $4.60.","start_word":599,"end_word":610,"sentiment":"neutral","sentiment_score":0.09827306866645812},{"text":"Perfect.","start_word":611,"end_word":611,"sentiment":"positive","sentiment_score":0.4065743088722229},{"text":"I also have a tractor of about 30,000. Yep. Yep. Yep. Yep. And you don't have anything owing on that one, do you? Not not No. that supposed Perfect. to get out of the vehicle. Yep. And then I also have a huge at about 20,000. Yeah. That's yeah. It's probably about maybe probably about eighteen hours. About yep. Unfortunately, cars do appreciate, don't they? And you don't have yeah. And you don't have anything owing on that one either, do you, Wade? No.","start_word":612,"end_word":695,"sentiment":"neutral","sentiment_score":-0.012068111194475066},{"text":"Beautiful.","start_word":696,"end_word":696,"sentiment":"positive","sentiment_score":0.37586432695388794},{"text":"Is there any other new assets that we haven't gone through? Any motorbikes or boats or anything else? No. No. I've got motorbikes and boats, but I don't think they're really worth much, to be honest. Probably $3 for for both of them. Oh, yeah. No. That's not too bad. Sorry. Is that two of them? Is that two motorbikes? Sorry? Well, I've got one that I'd say is probably worth, yeah, about 1,500. Yep. That's the only one I worry about. And then the boat would be, yeah, worth oh, no. I've got an extra engine for that. That's probably worth two, two and a half of the boat.","start_word":697,"end_word":806,"sentiment":"neutral","sentiment_score":-0.03628314286470413},{"text":"Oh, beautiful. That's good.","start_word":807,"end_word":810,"sentiment":"positive","sentiment_score":0.4335639178752899},{"text":"And any other liabilities, like personal loans or credit card or ZipPay or anything? I've got a credit card with a $6,100 limit, but I only owe about $900 on it, I guess. Not even. Perfect. Yep. Yeah. And And I is that I mainly put used for, like, points and stuff? yeah. Pretty much. And Yeah. I have and I put $50 weekly back onto that card. Yes. Okay.","start_word":811,"end_word":880,"sentiment":"neutral","sentiment_score":0.01879122480750084},{"text":"Beautiful.","start_word":881,"end_word":881,"sentiment":"positive","sentiment_score":0.3391917645931244},{"text":"Yeah.","start_word":882,"end_word":882,"sentiment":"neutral","sentiment_score":0.23207531869411469},{"text":"Perfect. That's good.","start_word":883,"end_word":885,"sentiment":"positive","sentiment_score":0.4240655303001404},{"text":"And when it comes through health and lifestyle, I have here a note that you used to be a smoker, but stopped would have been over six months ago now. Is that correct? I've had a couple of slip ups. No. That's okay. When because I do have a little note here from Tommy, so I might just amend that. So if you do, at any point, decide to to stop smoking or vaping or any nicotine, essentially, just with the insurances. So when and if it has been a twelve month, just Yeah. let us know because that's when we can look at removing those rates if that ever becomes applicable for you. So just kind of keep that in mind. If not, Yeah. we usually Yeah. touch base in regards to it during under review, so each year, and see how things are how things are progressing as well. Yeah. Okay. Yep.","start_word":886,"end_word":1039,"sentiment":"neutral","sentiment_score":0.007681812945898477},{"text":"Beautiful.","start_word":1040,"end_word":1040,"sentiment":"positive","sentiment_score":0.6783461570739746},{"text":"Now any other significant health issues or injuries or anything? Nope.","start_word":1041,"end_word":1051,"sentiment":"neutral","sentiment_score":0.0515630766749382},{"text":"That's great.","start_word":1052,"end_word":1053,"sentiment":"positive","sentiment_score":0.6231268644332886},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? I've got a wheel that I'm about to fill out, which I Okay. probably shouldn't have put in. But, yeah, I've got it sitting there on my desk to do, but That's Alicia's in the pro Alicia's in the process. yeah. Yeah. My mom's pushing me into it. So Yeah.","start_word":1054,"end_word":1125,"sentiment":"neutral","sentiment_score":0.03548124432563782},{"text":"That's yeah. good.","start_word":1126,"end_word":1128,"sentiment":"positive","sentiment_score":0.4037666618824005},{"text":"It's one of Yeah. those things that everyone's always like, oh, yeah. I know I should get onto it. But then, obviously, life gets in the way and things happen. Yeah. So that's understandable. But at least it's kind of on the radar anyway to have a look at, which is good. Now, also, when it comes to your superannuation and your insurances, I can see here that we don't currently have a nomination on file for for that. Yep. Do you Yeah. remember receiving those forms at all? I do. I do. Mhmm. I think I might have I might have already printed them out. I had to do it at work. Okay. Yeah. I think I've got the hang on a second. Yeah. Sure. I'm just gonna I'm just gonna pull over here. I have a look at something. So I've got other facilities sacrifice letter. Making a death benefit nomination? Yes. Is That's that the one. yeah. So I've got it Yep. all printed out. It's in my hands at the moment, so Okay. I can look into that, say that it's Yeah. afternoon, I guess. Yep.","start_word":1129,"end_word":1318,"sentiment":"neutral","sentiment_score":0.027458611875772476},{"text":"Beautiful.","start_word":1319,"end_word":1319,"sentiment":"positive","sentiment_score":0.47949352860450745},{"text":"And then you can always scan it and send it back or and then we can get that all uploaded for you. Now when it comes through the nomination, if you have any questions, because they can be a little bit convoluted. There are different rules and legislation in place on who you can nominate. Do you have any questions or idea of who you would like to nominate? I don't really know top of my head, but I probably Okay. will need to have some questions. When when you have decided, let us know. But, essentially, just as a brief overview for you, they do make it quite strict on who you can actually nominate directly Yep. through the CSAC. So the only people that you can put, like, straight down on the form is either a spouse, a child, or someone who is financially dependent on you or you are in a interdependency relationship. Basically, what that means is someone who must remain financially dependent on you at the time of your passing, and you need to have a close personal relationship while living together and providing financial or domestic or personal care support. So they make it quite strict. Now if, Yes. for instance Yes. yeah. So Yes. now if, for instance, you wanted to nominate parents or siblings, nephews and niece, friends, whatever it might be that don't fall into this particular category, you can still nominate them. We would just have to structure it a little bit differently. So what you would do, if that is something you do decide, is on the form, you would just select that it goes through a legal personal representative, which is one of the boxes on the form. Basically, what that means is that it just reverts back to your will. And then in your will, you can nominate whoever you want to. So in your will, you could say you would like your super to go through x. You want your insurance to go through x person, and that is perfectly So what what was that again?","start_word":1320,"end_word":1669,"sentiment":"neutral","sentiment_score":-0.02278912305831909},{"text":"I can't fine. say that.","start_word":1670,"end_word":1674,"sentiment":"negative","sentiment_score":-0.4499959945678711},{"text":"No. So Say on the form, there should be a box where you can put a nomination so you can choose. It says, like, name, date of birth, and stuff, but there's also a box where it says LPR, so legal personal representative. There should be a little tick tick box.","start_word":1675,"end_word":1725,"sentiment":"neutral","sentiment_score":0.000024311784727615304},{"text":"No.","start_word":1726,"end_word":1726,"sentiment":"negative","sentiment_score":-0.35510942339897156},{"text":"There isn't. It's just spouse, child, financial dependent, or interdependent. And there's nothing next to that. No. It just Okay. says Let me portion see. of total benefit. Alright. This is Let under me see. If beneficiary I one, beneficiary alright. two, Let beneficiary me three. see if I can find the documents that was posted out to you so I can look at it because that definitely should be there. So legal personal Yeah. representative, was it? Yes. That is correct. Now let me see if I can find and the one you are looking at, is that the one that has your hub 24 beneficiary, It's the Zurich Insurance. first. Alright. Let me see. Page three and four. Okay. Sorry. I have it here in front of me. Let me just find where it says. Yes. Sorry. Okay. At the bottom. So it's kind of hidden a little bit. So Yes. I see now. Yep. yeah. So Sorry. it says legal personal. Yep. Personal. Yep. So you can just put a 100% in this box if that is what you decide. And then in your will, you can nominate multiple people. You can break down a percentage how you want it to go to each person. But this basically means that it would just go back to your estate. Yeah. So, Okay. essentially, That makes you sense. are Yeah. numb yeah. And Yeah. at the top, so under number two, it says nominated beneficiaries. Because, obviously, it's a new policy and we don't have a nomination in file, you would just tick the first box where it says I am making my first non lapsing binding Beth nomination. Yep. They took that one. Yep. Yep. Yep. And just for your reference, because there are a few different ways you can nominate. So when you go to the Superfund section, you will see a few different options. So nonlapsing, what that means is basically stays in place. It is it stays in place until you decide that you wanna change it, Yeah. Okay. Yeah.","start_word":1727,"end_word":2071,"sentiment":"neutral","sentiment_score":0.05747837573289871},{"text":"which is good.","start_word":2072,"end_word":2074,"sentiment":"positive","sentiment_score":0.5070182681083679},{"text":"Now on the super form, there is an option that you can do lapsing, and that means that every three years, you have to recomplete the Okay. form. Yep. And Yeah. then the other confusing thing is that you can then choose a binding or nonbinding option. So a binding option, kind of what the name says, it means that trustee, so of your super fund and your insurance are are basically bound by follow your wishes. So it is the most certain. The nonbinding basically tells them that this is what you want to have happen, but they ultimately have the discretion of deciding if they feel like there's someone else that has a better claim to it. So binding Yeah. gives you more certainty. Okay. Yeah. Yeah. Does that make sense? I know it can be a bit confusing. They don't they don't make it easy. Yeah. Yeah. Okay.","start_word":2075,"end_word":2225,"sentiment":"neutral","sentiment_score":0.00046215642942115664},{"text":"Beautiful.","start_word":2226,"end_word":2226,"sentiment":"positive","sentiment_score":0.4297941327095032},{"text":"Now anything else that's changed in your life that we haven't kind of gone through otherwise, so it's all pretty much the same? Yeah. All the Yep. time. Yep.","start_word":2227,"end_word":2255,"sentiment":"neutral","sentiment_score":0.18582434952259064},{"text":"Beautiful.","start_word":2256,"end_word":2256,"sentiment":"positive","sentiment_score":0.4175926446914673},{"text":"Now when it comes to your risk profile, so if it's been a while since we've gone kind of spoken to you when it comes to your investments, we tend to go through, like, a new updated risk profile questionnaire to see if anything has changed. But I know you went through all of that with Tommy not long ago. So, essentially, we have you invested in your growth portfolio. Do you remember what it means to be a growth investor at all when you spoke to Tommy? It means a bit more than moderate, isn't it? Like, it's a bit more aggressive, I think. Is that Yeah. correct? So it yeah. So it's kind of somewhere in the middle where you are focusing on, obviously, maximizing growth in your superannuation while you still have plenty of time until retirement, Yes. Yes. but also that you understand that there will be some short term fluctuations because of it. Yes.","start_word":2257,"end_word":2415,"sentiment":"neutral","sentiment_score":0.07518447190523148},{"text":"It it is kind of a good position.","start_word":2416,"end_word":2423,"sentiment":"positive","sentiment_score":0.3555839955806732},{"text":"So it's not like your high growth and aggressive, but it is not your defensive and moderate either. So it is kind of somewhere in the middle where you are focusing on growth, wanting a little bit of a defensive portion, but only about 20%. 80% is dedicated to those growth investments to grow your super as much as possible. Yeah. Do you still feel like that's, like, aligning with you? Yeah. I would say Yep. so at the moment. Yep. Yep. And also from a time frame, so when it comes to the risk profile, what is also important aside from, obviously, where you are comfortable with is time. So making sure that you have enough time in the market for, you know, the the little short term fluctuations. And in Yeah. a growth portfolio, ideally, we would like to see six years until retirement to make sure you have enough of those like, enough time for the fluctuations, which you certainly have. So from a time frame point of view, you are in a good position as well.","start_word":2424,"end_word":2603,"sentiment":"neutral","sentiment_score":0.16671270430088042},{"text":"Okay. That's good. Yep. Perfect.","start_word":2604,"end_word":2608,"sentiment":"positive","sentiment_score":0.46255773305892944},{"text":"Yep. Yep. Now the the last thing, right, is to just give you a bit of a rundown of basically your insurances and your superannuation and where everything is at. Now because are you still driving at the moment? I'm just about to run-in and drop off a parcel. I'll be Okay. about twenty seconds if that's okay. Yeah. Sure. Yep. You just let me know when you're back. Okay. Thank you. Mhmm. It's okay. It's okay. Yep. I'm back. Yeah. Yep. Perfect. So, essentially, the next part is just to go through those documents. Yep. I have emailed them to you if you have option of accessing them. It makes it a bit easier for you. But if you're driving and and need to get to places, then I can always just run through them with you on the phone. And then later, when it's safe for you to do so when you have time, you can then have a look through them. If you have any questions, you can then let me know. Yeah.","start_word":2609,"end_word":2784,"sentiment":"neutral","sentiment_score":0.13551029562950134},{"text":"That'd be good.","start_word":2785,"end_word":2787,"sentiment":"positive","sentiment_score":0.43789786100387573},{"text":"Yes. Yeah. Okay.","start_word":2788,"end_word":2790,"sentiment":"neutral","sentiment_score":0.24908702075481415},{"text":"Perfect.","start_word":2791,"end_word":2791,"sentiment":"positive","sentiment_score":0.4342036843299866},{"text":"So I have sent you an email. Now it is directly from me. When you get through the email, it will say click on this link to sign now or something like that. You Yep. just have to click on the link first to open up all the documents. Doesn't mean you have to sign it right away, but by clicking the link, it just allows you to open up and look at everything first just to make sure you're happy before you to sign anything. Does Yeah. that make sense? I've done all that before. Yep. Pretty Yep. pretty sure. Yeah. Yeah. Yeah. Basically, same for when you did the the SOA presentation. Now the documents that you will see, the first one is just a bit of a summary of your super and insurances, but you do have a bit of a summary of your super and insurances. But you do have your super with hub twenty four, and you do have a $164,892 in there. Yep. And then you also have insurances with Zurich. So you have life and total permanent disability insurance, and that is $1,000,000. Are you still happy with the level of cover you have for life and TPD that all kind of aligns with your goals? Yeah. I think so. Yep. Yep. If something were to happen, it will pay off, obviously, the mortgage completely, and still leave quite a bit of extra, to cover living expenses or something if you work through be unable to go back to work.","start_word":2792,"end_word":3048,"sentiment":"neutral","sentiment_score":0.16671417653560638},{"text":"So it's still a decent amount for you.","start_word":3049,"end_word":3056,"sentiment":"positive","sentiment_score":0.4837451875209808},{"text":"And then you also have income protection, and that is covering you for $4,492 per month. You do have a thirty day waiting period on that one, and the benefit for five years. Those Yep. three are paid from within superannuation, and you do get a little bit of a tax rebate on that for 15%. So total premium for all those three is $2,542. Yep. Any questions with any of those? No. That's okay. No.","start_word":3057,"end_word":3132,"sentiment":"neutral","sentiment_score":0.15346765518188477},{"text":"Perfect.","start_word":3133,"end_word":3133,"sentiment":"positive","sentiment_score":0.33400169014930725},{"text":"And then you also have trauma insurance. So you have trauma outside super of a 100,000, and you do have an additional life policy of a 100,000 as well attached to that trauma, which often is just to basically make your trauma policy cheaper because insurance do offer multi policy discounts.","start_word":3134,"end_word":3184,"sentiment":"neutral","sentiment_score":0.02359660083026278},{"text":"So it makes it a little bit cheaper for you.","start_word":3185,"end_word":3194,"sentiment":"positive","sentiment_score":0.3633736073970794},{"text":"That is paid out of pocket, and it's about $73.88 per month. Yeah. Yep.","start_word":3195,"end_word":3208,"sentiment":"neutral","sentiment_score":0.164399653673172},{"text":"Perfect.","start_word":3209,"end_word":3209,"sentiment":"positive","sentiment_score":0.5467376112937927},{"text":"Now the next document you will see when you have a look at the email is a bit of a performance report. So it shows you your portfolio in Hub twenty four to how your money is invested. It breaks down all your individual investments and how they have performed as well. Now your report might look a little bit messy, and that is because you did the investment changes with Tommy not too long ago. So it might look like you have a little bit more different investments in there, but that is just because you sold out of some and bought Yes. some. So it might look a little bit messy, but that is basically to show you, where you have your money and how each investment have performed. Yeah. Now, obviously yeah. Now, obviously, the last twelve months, we have had a bit of turbulence in the market, obviously, everything in The US and then more recently with the war and everything. So we have seen a bit of fluctuations in the market recently. In saying that, though, in the last twelve months after fees, after all fees have been deducted from your account, your portfolio has still gone up by 9.20%, which we're really happy with given the market conditions and that we did make that trade for you during the the last twelve months. Yep. Yep. Yep.","start_word":3210,"end_word":3441,"sentiment":"neutral","sentiment_score":0.08732786774635315},{"text":"Perfect.","start_word":3442,"end_word":3442,"sentiment":"positive","sentiment_score":0.3862200379371643},{"text":"Now the next document you will see is just a Vanguard index chart. Basically, what it is, it is a graph, and it just shows you it's kind of a good visual representation of what we are talking about when we are talking about the market. When you do have a look at it, you can essentially see that over the long term, market always goes up. But short term, you will have some ups and downs and market fluctuations. Yep. Now the next three documents, it is just your certificate of currency with Zurich. So it basically just shows you your insurances and, again, in a little bit more information, but, basically, lets you know that's all paid and up to date for Yep. you.","start_word":3443,"end_word":3568,"sentiment":"neutral","sentiment_score":0.117716786702947},{"text":"Good.","start_word":3569,"end_word":3569,"sentiment":"positive","sentiment_score":0.5705908536911011},{"text":"Yep. Then the second last document, it is your OQ services guide. You would have seen this one with Tommy as well. It is one of those compliance documents, but it does give you all the important information in regards to us here at OCU. If you do have a bit of a read over it, you will see the directors, all our advisers. You can see Tommy actually on page nine if you wanna put a face to the voice. And then page 10, you can see myself as well if you do wanna put a face to who you are talking to. Yep.","start_word":3570,"end_word":3674,"sentiment":"neutral","sentiment_score":0.14464284479618073},{"text":"Perfect.","start_word":3675,"end_word":3675,"sentiment":"positive","sentiment_score":0.5849323868751526},{"text":"Now the last document, it is your ongoing service agreement. Now this one here is where it will ask you to to sign if you are happy to do so. And, basically, what it is, it is just to say that you are happy to stay on as a client. Now there is no changes at all in regards to the fee structure for you. It stays exactly the same at 1.65, and it is not a lock in contract. So if at any point in time, you are not happy, this is not a lock in contract. But by signing it, it just allows us to manage all your investments and super insurances and everything for you in the meantime. Does that make sense? Yes, sir.","start_word":3676,"end_word":3802,"sentiment":"neutral","sentiment_score":0.21638762950897217},{"text":"Thanks, sir.","start_word":3803,"end_word":3804,"sentiment":"positive","sentiment_score":0.5348764657974243},{"text":"Yep. Yep.","start_word":3805,"end_word":3806,"sentiment":"neutral","sentiment_score":0.25237327814102173},{"text":"Beautiful.","start_word":3807,"end_word":3807,"sentiment":"positive","sentiment_score":0.5755208730697632},{"text":"So that is essentially the documents and what I have had to run through with you today. Before I kind of let you go and get on with your day, do you have any other questions for me?","start_word":3808,"end_word":3845,"sentiment":"neutral","sentiment_score":0.22921019792556763},{"text":"I think you covered it pretty well.","start_word":3846,"end_word":3852,"sentiment":"positive","sentiment_score":0.377540647983551},{"text":"No? Yeah. Yeah.","start_word":3853,"end_word":3855,"sentiment":"neutral","sentiment_score":0.20468461513519287},{"text":"Beautiful.","start_word":3856,"end_word":3856,"sentiment":"positive","sentiment_score":0.46765953302383423},{"text":"So when you have a moment, have a look through that email for me. If you have any questions, just give me a call or or send us an email.","start_word":3857,"end_word":3886,"sentiment":"neutral","sentiment_score":0.21246476471424103},{"text":"Otherwise, if it all makes sense and you are happy, I'll just need you to add that little signature, and it will automatically come back to me. And I will get that all loaded and uploaded for you.","start_word":3887,"end_word":3924,"sentiment":"positive","sentiment_score":0.3632611334323883},{"text":"And I will also keep an eye on those, beneficiary forms later for it to come through, and we can get that sorted for you.","start_word":3925,"end_word":3949,"sentiment":"neutral","sentiment_score":0.2463475614786148},{"text":"Yep. Beautiful. Well, I will let you go away to get on with your day.","start_word":3950,"end_word":3964,"sentiment":"positive","sentiment_score":0.5709108710289001},{"text":"But if there's anything you need at any point in time, don't hesitate to give us a call. Okay? Yep.","start_word":3965,"end_word":3984,"sentiment":"neutral","sentiment_score":0.20858077704906464},{"text":"No worries. Thank you very much. No problem at all. You have a good rest of your day. You too. Bye. Thanks. Bye.","start_word":3985,"end_word":4007,"sentiment":"positive","sentiment_score":0.6334313750267029}],"average":{"sentiment":"neutral","sentiment_score":0.0959409735708737}}}}