{"metadata":{"transaction_key":"deprecated","request_id":"c9a1df86-e998-4934-8a63-a6134945156d","sha256":"e277b966e8d92fc73fa619e8c08d8f0e4d6d129ee5cb83e9e12f90ecb9bc7727","created":"2026-02-24T03:53:12.980Z","duration":1129.6079,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4626,"output_tokens":82},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5080,"output_tokens":5090},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5080,"output_tokens":484}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Is this Thomas? This is Veronica from OQ Financial. How are you? Yeah. I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. Exactly what I have here. And how's your day been so far? Been busy? Sorry? I'm always busy. Well, I will try not to keep you for too long. I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those. Is that right? Yeah. Yeah. Perfect. Now is your super something you keep an eye on a lot? Are you quite, like, across? Mhmm. Yep. Yep. Perfect. And so, yeah, essentially, with with your investment, obviously, following on from your annual review and stuff like that, there's obviously been a lot of changes in the market and what's going around in the world. Overall, the structure of the portfolio is really good, and, overall, a lot of the investments are doing what we want them to do. But there is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund. Have you ever heard much about that one? No. So, essentially, the that one is a managed fund, and that was originally added to your portfolio at that time because it was doing really well. The purpose of that investment in how that one is that one specific is different to the other one is that because it's a managed fund, they tend to cost a little bit more because the purpose of it is to have that active management. So what they do is they kind of actively buys and sells different investments with the goal to try to outperform the market, which is a bit different through your other investments, which are more your ETFs, exchange traded funds, where the purpose is just to track an index, basically track the market in a way. So for example, one of the biggest shareholders for you is the iShares S and P five hundred, and that is often the staple in our portfolio because that one tracks the 500 largest listed companies in The US. So, obviously, very diversified into the one investment. And if there is one company that doesn't do as well or that's kind of smaller, it falls off and another one comes in. So it kind of just tracks an index. So they tend to be a little bit cheaper in that way because you don't have as much, you know, research and stuff like that involved in through, you know, doing the active management of the portfolio, if that makes sense. Yeah. Yeah. Perfect. So with the vanilla vanilla, like I said, historically, they have done really, really well, and they were the top performing manager for for quite some time. Recently, they have kind of underperformed a little bit, and one of the the biggest contributors to it is that not them per se, but one of their investments that they had in their portfolio was the corporate travel group. They had a bit of a bit of issues with their reporting, but they didn't really report things correctly, which caused everything to drop, which is why that one has taken a bit of a hit. So it's not like the the fundamental of Benelon. It was one of the investments that they kind of had in their portfolio. But kind of aside from that, they're kind of been a bit more stagnant with the approach lately. So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're happy for me to do that. Yeah. Yeah. Yep. Yep. Okay. Perfect. So I'll go and do that reset for you. Now I do wanna also check something with you. Have you recently read our newsletter at all? No. So we've recently kind of joined up with BlackRock, which you may have heard of. They are one of the biggest fund managers out there. Have you have you heard of them? Yeah. So we've actually recently joined up with them and created our own SMA. Have you ever heard of an SMA before? No. So the SMA is a little bit different. It is a self managed account. Now it is a bit different. So what you currently have is more like your model portfolio. So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that. Now if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it. You would then have to, you know, agree to the change, and we can then move ahead. Obviously, that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that. The estimate is a bit different in that you would be invested in one product. So it might just be called something. So you don't see, you know, each and every single one of the investments like you currently do. You would be, for example, invested in just one option. Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it, because you are just invested in that product per se, if that makes sense. Yeah. So it it means that we can quite quickly, based on market trends and what's going on, make those decision and make the changes very quickly. You still get notified of what the changes are, but we don't have to go through kind of that long term compliance document. If you still go into Hub twenty '4, you can still see the individual investment, but they can, you know, change potentially a bit more frequently because it allows us to do that. And, obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee. You know, we kind of just combine forces. Is that something that you were open to? Correct. Correct. Is that something that you are still comfortable with? Obviously, the the same rules and legislation and best interest that all stays in place. Okay. Yep. Exactly. It it does go hand in hand. And, obviously, we have to put your interest above everything. That's the ultimate the ultimate thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super. And, obviously, the goal is to maximize that growth for you. But then in turn, by doing it, that would obviously exactly, like you said, you know, give us more money. So exactly like like you said, it is that kind of, you know, benefit relationship both ways. So if you are happy with that kind of structure, I will research both. Some people think it's great because they don't have to be like, yep. Cool. That just means you can make quicker adjustments, whereas other people are like, no. I want full visibility of everything. So I do like to just check. And if you're happy with it, I will research both. Yep. Okay. Yep. Yep. Perfect. So because you are still in that current model, I will have to do one more SOA for you anyway for all the research, go through it with you. And then from that, if if it, you know, turns out that the estimate is the best for you and we go ahead with that change, it will mean that it will limit, especially when it comes to the investments moving forward. So I'll definitely focus on the estimate and, obviously, make sure these in your best interest to do the switch, factoring in, obviously, capital gains tax and what your current investments have done which ones we're changing over. So I'll put all of that in a in a document for you and go through it with you, and then we can obviously take, take it from there. Now I do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile. So at the moment, we have you invested in a high growth portfolio. Kind of remember what that is. Yeah. Okay. Yeah. Perfect. You do, at the moment, have plenty of time until retirement. With your home legislation, you can't access super until 60, but you do have plenty of time to do. Who who knows, honestly, the way things are going? You have time. So most definitely, if you are comfortable seeing a bit of short term fluctuations to kinda get that long term growth, then high growth from a time frame point of view is definitely suitable as long as you are comfortable seeing, you know, a bit of those fluctuations in the short term. Yep. Yep. Alright. Perfect. So I'll have a look at that high growth portfolio for you. Now while I do research your investments and your superannuation, is there anything else that you need? You're still happy with your, you know, insurances? Yep. Yep. Let me have a look. I'll log in to Tile directly and have a little look for you. Normally, if there are any changes, we would also get notified. Let me see if I can look in here. When did you get that notification? Okay. Let me have a look. Yeah. I'll I'll try to look in here. It's a bit of a they have a bit of a intense security to get in, so just bear with me. I have to do a lot of different cards, and then, you know, when you get things sent to your phone number, and then you have to have to do it that way. So I'll I'll do that in the back end while you look for it because the e does take a little bit obviously, good security. Sometimes it's a little bit frustrating because it does take a while. So let me have a look here. Alright. So I no. That's okay. No. That's okay. I just got into the portal anyway. So let me have a look here. So I can see here at the moment I see your total premium's about 2,522. Now let me see what the actual breakdown of the policy is that you have in place at the moment. You have life and total permanent disability. That is $736,243 of both of them. I can see here as well a income protection. So on the portal, yeah, it's definitely an income protection. I'll get the team to just call and follow-up if there's if there was anything, but on the portal right now, it is active. Yeah. Yeah. But good good to check, though. If you ever get an email like that, just let us know. We also do get notified if there's any changes. Like, it's more so if you had anything that you paid for out of pocket and you changed bank account and didn't tell us, and then they kinda, you know, make a a payment, it's more that. Otherwise, we will never go and change your insurances without you agreeing to it. It is good to check, though, if you ever get something out of the norm, but, no, on the portal, you definitely have your income protection still in place. Yep. Perfect. And you're still happy with those amounts and everything like that? You don't wanna make any changes? That's all? Nope. Yep. Yeah. Okay. Perfect. Now let me see if there's anything else I needed to confirm here with you. Now you did say that you are self employed? Yep. Is it set up as a business? Yep. So you pay yourself that 12% contributions as well? Yep. Yep. Perfect. Now income, I have at $1.90. Yeah. Okay. Perfect. Just because when I do the research on your super and investments, I'll do kind of an updated projection for you as well for a couple of years, and, obviously, contributions going into super makes a difference. So I just wanted to just to check those information. Now let me check if there's anything else I need here for you. Has anything changed with you otherwise since last time you had a catch up with us? Any of your personal details, assets? No. Perfect. So just your property and an investment property? Yep. At no motor vehicle, so is that all through the business? Yep. Yep. Perfect. Now I don't actually have a next of kin on file for you. Who would you like to nominate, and that can be anybody? Yep. Perfect. Yep. And contact number? Two one. Yep. Four four two. Yep. 980. Perfect. And is that your wife? Yep. Perfect. And do you guys have any financial dependents? Yes. Oh, well, congratulations. Bit of bit of a change. Oh, well, that's great. Perfect. I'll update that. Otherwise, no changes to health and lifestyle or anything like that. Still non smoker. No. No. Yeah. Yes. Let me have a quick look on the account there for you, what we have. But, yes, definitely. Now because it is a legal nomination on the forms, it has to be wet signed and witnessed. Now do you have access to a printer, or do you prefer post? Yep. Perfect. Because I do have here at the moment Samantha listed at a 100 percent. Yep. Yeah. Perfect. Yeah. And it is I'm actually very glad you asked about that as well because it says interdependent relationship. That one is a bit of a gray one because if it is a family member that's not your spouse or your child, there are quite rich tight restrictions on who you can actually nominate directly for a super. And unless you are in a financial, like, you are relying on each other financially or you are provide like, you live together and you're providing her with support, it doesn't actually fall into that category. So I'm very glad you you mentioned it. So we definitely wanna get that sorted to your wife. And you're still happy with that non lapse in binding nomination option? Do you yeah. Perfect. Great. Now I will get that I'll get the team to email that to you to make it easier so we can get that sorted quicker. Obviously, if something ever were to happen to you, and I'll make sure we do it for both your super and your insurances as well. Yep. Perfect. Now, otherwise, that was kind of everything I needed to cross off on my end. So it will take a couple of weeks for me to get all this research together. But as soon as I do, I'll give you a call. I'll run through the recommendation, and then you can obviously let me know if you're happy with it, then we can go and make those changes for you. But do you have any other questions or need anything else from me while you do have me on the phone? Yep. Alright. Perfect. Well, I will let you go and enjoy the rest of your afternoon. If you need anything in the meantime, let me know. But, otherwise, I'll be in touch soon. Yep. Perfect. Well, thank you so much, Thomas. Mhmm. Thanks. 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afternoon. Is this Thomas? This is Veronica from OQ Financial. How are you? Yeah.\n\nI'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nYep. Yep. Perfect. Exactly what I have here. And how's your day been so far?\n\nBeen busy? Sorry? I'm always busy. Well, I will try not to keep you for too long. I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those.\n\nIs that right? Yeah. Yeah. Perfect. Now is your super something you keep an eye on a lot?\n\nAre you quite, like, across? Mhmm. Yep. Yep. Perfect.\n\nAnd so, yeah, essentially, with with your investment, obviously, following on from your annual review and stuff like that, there's obviously been a lot of changes in the market and what's going around in the world. Overall, the structure of the portfolio is really good, and, overall, a lot of the investments are doing what we want them to do. But there is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund. Have you ever heard much about that one? No.\n\nSo, essentially, the that one is a managed fund, and that was originally added to your portfolio at that time because it was doing really well. The purpose of that investment in how that one is that one specific is different to the other one is that because it's a managed fund, they tend to cost a little bit more because the purpose of it is to have that active management. So what they do is they kind of actively buys and sells different investments with the goal to try to outperform the market, which is a bit different through your other investments, which are more your ETFs, exchange traded funds, where the purpose is just to track an index, basically track the market in a way. So for example, one of the biggest shareholders for you is the iShares S and P five hundred, and that is often the staple in our portfolio because that one tracks the 500 largest listed companies in The US. So, obviously, very diversified into the one investment.\n\nAnd if there is one company that doesn't do as well or that's kind of smaller, it falls off and another one comes in. So it kind of just tracks an index. So they tend to be a little bit cheaper in that way because you don't have as much, you know, research and stuff like that involved in through, you know, doing the active management of the portfolio, if that makes sense. Yeah. Yeah.\n\nPerfect. So with the vanilla vanilla, like I said, historically, they have done really, really well, and they were the top performing manager for for quite some time. Recently, they have kind of underperformed a little bit, and one of the the biggest contributors to it is that not them per se, but one of their investments that they had in their portfolio was the corporate travel group. They had a bit of a bit of issues with their reporting, but they didn't really report things correctly, which caused everything to drop, which is why that one has taken a bit of a hit. So it's not like the the fundamental of Benelon.\n\nIt was one of the investments that they kind of had in their portfolio. But kind of aside from that, they're kind of been a bit more stagnant with the approach lately. So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're happy for me to do that. Yeah. Yeah.\n\nYep. Yep. Okay. Perfect. So I'll go and do that reset for you.\n\nNow I do wanna also check something with you. Have you recently read our newsletter at all? No. So we've recently kind of joined up with BlackRock, which you may have heard of. They are one of the biggest fund managers out there.\n\nHave you have you heard of them? Yeah. So we've actually recently joined up with them and created our own SMA. Have you ever heard of an SMA before? No.\n\nSo the SMA is a little bit different. It is a self managed account. Now it is a bit different. So what you currently have is more like your model portfolio. So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that.\n\nNow if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it. You would then have to, you know, agree to the change, and we can then move ahead. Obviously, that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that. The estimate is a bit different in that you would be invested in one product. So it might just be called something.\n\nSo you don't see, you know, each and every single one of the investments like you currently do. You would be, for example, invested in just one option. Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it, because you are just invested in that product per se, if that makes sense. Yeah. So it it means that we can quite quickly, based on market trends and what's going on, make those decision and make the changes very quickly.\n\nYou still get notified of what the changes are, but we don't have to go through kind of that long term compliance document. If you still go into Hub twenty '4, you can still see the individual investment, but they can, you know, change potentially a bit more frequently because it allows us to do that. And, obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee. You know, we kind of just combine forces. Is that something that you were open to?\n\nCorrect. Correct. Is that something that you are still comfortable with? Obviously, the the same rules and legislation and best interest that all stays in place. Okay.\n\nYep. Exactly. It it does go hand in hand. And, obviously, we have to put your interest above everything. That's the ultimate the ultimate thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super.\n\nAnd, obviously, the goal is to maximize that growth for you. But then in turn, by doing it, that would obviously exactly, like you said, you know, give us more money. So exactly like like you said, it is that kind of, you know, benefit relationship both ways. So if you are happy with that kind of structure, I will research both. Some people think it's great because they don't have to be like, yep.\n\nCool. That just means you can make quicker adjustments, whereas other people are like, no. I want full visibility of everything. So I do like to just check. And if you're happy with it, I will research both.\n\nYep. Okay. Yep. Yep. Perfect.\n\nSo because you are still in that current model, I will have to do one more SOA for you anyway for all the research, go through it with you. And then from that, if if it, you know, turns out that the estimate is the best for you and we go ahead with that change, it will mean that it will limit, especially when it comes to the investments moving forward. So I'll definitely focus on the estimate and, obviously, make sure these in your best interest to do the switch, factoring in, obviously, capital gains tax and what your current investments have done which ones we're changing over. So I'll put all of that in a in a document for you and go through it with you, and then we can obviously take, take it from there. Now I do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile.\n\nSo at the moment, we have you invested in a high growth portfolio. Kind of remember what that is. Yeah. Okay. Yeah.\n\nPerfect. You do, at the moment, have plenty of time until retirement. With your home legislation, you can't access super until 60, but you do have plenty of time to do. Who who knows, honestly, the way things are going? You have time.\n\nSo most definitely, if you are comfortable seeing a bit of short term fluctuations to kinda get that long term growth, then high growth from a time frame point of view is definitely suitable as long as you are comfortable seeing, you know, a bit of those fluctuations in the short term. Yep. Yep. Alright. Perfect.\n\nSo I'll have a look at that high growth portfolio for you. Now while I do research your investments and your superannuation, is there anything else that you need? You're still happy with your, you know, insurances? Yep. Yep.\n\nLet me have a look. I'll log in to Tile directly and have a little look for you. Normally, if there are any changes, we would also get notified. Let me see if I can look in here. When did you get that notification?\n\nOkay. Let me have a look. Yeah. I'll I'll try to look in here. It's a bit of a they have a bit of a intense security to get in, so just bear with me.\n\nI have to do a lot of different cards, and then, you know, when you get things sent to your phone number, and then you have to have to do it that way. So I'll I'll do that in the back end while you look for it because the e does take a little bit obviously, good security. Sometimes it's a little bit frustrating because it does take a while. So let me have a look here. Alright.\n\nSo I no. That's okay. No. That's okay. I just got into the portal anyway.\n\nSo let me have a look here. So I can see here at the moment I see your total premium's about 2,522. Now let me see what the actual breakdown of the policy is that you have in place at the moment. You have life and total permanent disability. That is $736,243 of both of them.\n\nI can see here as well a income protection. So on the portal, yeah, it's definitely an income protection. I'll get the team to just call and follow-up if there's if there was anything, but on the portal right now, it is active. Yeah. Yeah.\n\nBut good good to check, though. If you ever get an email like that, just let us know. We also do get notified if there's any changes. Like, it's more so if you had anything that you paid for out of pocket and you changed bank account and didn't tell us, and then they kinda, you know, make a a payment, it's more that. Otherwise, we will never go and change your insurances without you agreeing to it.\n\nIt is good to check, though, if you ever get something out of the norm, but, no, on the portal, you definitely have your income protection still in place. Yep. Perfect. And you're still happy with those amounts and everything like that? You don't wanna make any changes?\n\nThat's all? Nope. Yep. Yeah. Okay.\n\nPerfect. Now let me see if there's anything else I needed to confirm here with you. Now you did say that you are self employed? Yep. Is it set up as a business?\n\nYep. So you pay yourself that 12% contributions as well? Yep. Yep. Perfect.\n\nNow income, I have at $1.90. Yeah. Okay. Perfect. Just because when I do the research on your super and investments, I'll do kind of an updated projection for you as well for a couple of years, and, obviously, contributions going into super makes a difference.\n\nSo I just wanted to just to check those information. Now let me check if there's anything else I need here for you. Has anything changed with you otherwise since last time you had a catch up with us? Any of your personal details, assets? No.\n\nPerfect. So just your property and an investment property? Yep. At no motor vehicle, so is that all through the business? Yep.\n\nYep. Perfect. Now I don't actually have a next of kin on file for you. Who would you like to nominate, and that can be anybody? Yep.\n\nPerfect. Yep. And contact number? Two one. Yep.\n\nFour four two. Yep. 980. Perfect. And is that your wife?\n\nYep. Perfect. And do you guys have any financial dependents? Yes. Oh, well, congratulations.\n\nBit of bit of a change. Oh, well, that's great. Perfect. I'll update that. Otherwise, no changes to health and lifestyle or anything like that.\n\nStill non smoker. No. No. Yeah. Yes.\n\nLet me have a quick look on the account there for you, what we have. But, yes, definitely. Now because it is a legal nomination on the forms, it has to be wet signed and witnessed. Now do you have access to a printer, or do you prefer post? Yep.\n\nPerfect. Because I do have here at the moment Samantha listed at a 100 percent. Yep. Yeah. Perfect.\n\nYeah. And it is I'm actually very glad you asked about that as well because it says interdependent relationship. That one is a bit of a gray one because if it is a family member that's not your spouse or your child, there are quite rich tight restrictions on who you can actually nominate directly for a super. And unless you are in a financial, like, you are relying on each other financially or you are provide like, you live together and you're providing her with support, it doesn't actually fall into that category. So I'm very glad you you mentioned it.\n\nSo we definitely wanna get that sorted to your wife. And you're still happy with that non lapse in binding nomination option? Do you yeah. Perfect. Great.\n\nNow I will get that I'll get the team to email that to you to make it easier so we can get that sorted quicker. Obviously, if something ever were to happen to you, and I'll make sure we do it for both your super and your insurances as well. Yep. Perfect. Now, otherwise, that was kind of everything I needed to cross off on my end.\n\nSo it will take a couple of weeks for me to get all this research together. But as soon as I do, I'll give you a call. I'll run through the recommendation, and then you can obviously let me know if you're happy with it, then we can go and make those changes for you. But do you have any other questions or need anything else from me while you do have me on the phone? Yep.\n\nAlright. Perfect. Well, I will let you go and enjoy the rest of your afternoon. If you need anything in the meantime, let me know. But, otherwise, I'll be in touch soon.\n\nYep. Perfect. Well, thank you so much, Thomas. Mhmm. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.2032468020915985},{"text":"Is this Thomas?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.09272021800279617},{"text":"This is Veronica from OQ Financial.","start":5.2799997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.07510589684049289},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.08089107275009155},{"text":"Yeah.","start":10.0,"end":10.32,"sentiment":"neutral","sentiment_score":0.28205934166908264}],"sentiment":"neutral","sentiment_score":0.11066814661026,"num_words":15,"start":1.8399999,"end":10.32},{"sentences":[{"text":"I'm good.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.5265601575374603},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.709426999092102},{"text":"I had you booked in for a little bit of a catch up.","start":12.16,"end":14.4,"sentiment":"neutral","sentiment_score":0.30286609209500825},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"neutral","sentiment_score":0.2537474762648344},{"text":"Yeah.","start":17.255001,"end":17.735,"sentiment":"neutral","sentiment_score":0.2163009941577911}],"sentiment":"neutral","sentiment_score":0.31784349262714384,"num_words":25,"start":10.32,"end":17.735},{"sentences":[{"text":"Perfect.","start":17.735,"end":18.235,"sentiment":"neutral","sentiment_score":0.31815385818481445},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.535,"end":25.994999,"sentiment":"neutral","sentiment_score":0.05220367464012113},{"text":"Yeah.","start":27.175,"end":27.575,"sentiment":"neutral","sentiment_score":0.15135584771633148},{"text":"Perfect.","start":27.575,"end":27.975,"sentiment":"neutral","sentiment_score":0.1994713544845581},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":27.975,"end":34.2,"sentiment":"neutral","sentiment_score":0.057938029523938894}],"sentiment":"neutral","sentiment_score":0.06381072024149555,"num_words":56,"start":17.735,"end":34.2},{"sentences":[{"text":"Yep.","start":38.5,"end":39.0,"sentiment":"neutral","sentiment_score":0.02054857462644577},{"text":"Yep.","start":41.3,"end":41.7,"sentiment":"neutral","sentiment_score":0.08947371691465378},{"text":"Perfect.","start":41.7,"end":42.18,"sentiment":"neutral","sentiment_score":0.2868530750274658},{"text":"Exactly what I have here.","start":42.18,"end":43.54,"sentiment":"neutral","sentiment_score":0.25214824080467224},{"text":"And how's your day been so far?","start":43.54,"end":44.98,"sentiment":"neutral","sentiment_score":0.0978118862424578}],"sentiment":"neutral","sentiment_score":0.1561533182859421,"num_words":15,"start":38.5,"end":44.98},{"sentences":[{"text":"Been busy?","start":44.98,"end":45.64,"sentiment":"neutral","sentiment_score":-0.032133177388459444},{"text":"Sorry?","start":49.785,"end":50.285,"sentiment":"neutral","sentiment_score":-0.05859975889325142},{"text":"I'm always busy.","start":50.745,"end":51.805,"sentiment":"neutral","sentiment_score":-0.09164460996786754},{"text":"Well, I will try not to keep you for too long.","start":51.945,"end":54.845,"sentiment":"neutral","sentiment_score":-0.03957605615935542},{"text":"I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those.","start":55.385,"end":63.159996,"sentiment":"neutral","sentiment_score":0.038291381175319356}],"sentiment":"neutral","sentiment_score":0.006714997317721235,"num_words":47,"start":44.98,"end":63.159996},{"sentences":[{"text":"Is that right?","start":63.159996,"end":63.98,"sentiment":"neutral","sentiment_score":0.05379260207215945},{"text":"Yeah.","start":65.159996,"end":65.56,"sentiment":"neutral","sentiment_score":0.08460114151239395},{"text":"Yeah.","start":65.56,"end":65.96,"sentiment":"neutral","sentiment_score":0.11939557641744614},{"text":"Perfect.","start":65.96,"end":66.46,"sentiment":"neutral","sentiment_score":0.18273204565048215},{"text":"Now is your super something you keep an eye on a lot?","start":67.56,"end":72.2,"sentiment":"neutral","sentiment_score":0.07476995668063562}],"sentiment":"neutral","sentiment_score":0.08029700277580155,"num_words":18,"start":63.159996,"end":72.2},{"sentences":[{"text":"Are you quite, like, across?","start":72.2,"end":73.34,"sentiment":"neutral","sentiment_score":0.02555401772260666},{"text":"Mhmm.","start":79.915,"end":79.995,"sentiment":"neutral","sentiment_score":0.013873886317014694},{"text":"Yep.","start":79.995,"end":80.495,"sentiment":"neutral","sentiment_score":0.05341965705156326},{"text":"Yep.","start":84.555,"end":85.035,"sentiment":"neutral","sentiment_score":0.12641240656375885},{"text":"Perfect.","start":85.035,"end":85.535,"sentiment":"neutral","sentiment_score":0.2354705780744553}],"sentiment":"neutral","sentiment_score":0.061882957402202815,"num_words":9,"start":72.2,"end":85.535},{"sentences":[{"text":"And so, yeah, essentially, with with your investment, obviously, following on from your annual review and stuff like that, there's obviously been a lot of changes in the market and what's going around in the world.","start":86.555,"end":96.79,"sentiment":"neutral","sentiment_score":0.12961687478754255},{"text":"Overall, the structure of the portfolio is really good, and, overall, a lot of the investments are doing what we want them to do.","start":98.45,"end":106.225,"sentiment":"positive","sentiment_score":0.4696388207376003},{"text":"But there is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund.","start":106.445,"end":115.105,"sentiment":"neutral","sentiment_score":0.004193336179014295},{"text":"Have you ever heard much about that one?","start":115.325,"end":117.57,"sentiment":"neutral","sentiment_score":-0.004137804498896003},{"text":"No.","start":118.61,"end":119.11,"sentiment":"neutral","sentiment_score":-0.08282314240932465}],"sentiment":"neutral","sentiment_score":0.1712070288166644,"num_words":93,"start":86.555,"end":119.11},{"sentences":[{"text":"So, essentially, the that one is a managed fund, and that was originally added to your portfolio at that time because it was doing really well.","start":119.49,"end":127.11,"sentiment":"neutral","sentiment_score":0.052485039171118006},{"text":"The purpose of that investment in how that one is that one specific is different to the other one is that because it's a managed fund, they tend to cost a little bit more because the purpose of it is to have that active management.","start":128.20999,"end":142.515,"sentiment":"neutral","sentiment_score":0.04197827002240552},{"text":"So what they do is they kind of actively buys and sells different investments with the goal to try to outperform the market, which is a bit different through your other investments, which are more your ETFs, exchange traded funds, where the purpose is just to track an index, basically track the market in a way.","start":143.05501,"end":163.49,"sentiment":"neutral","sentiment_score":0.057100970464359434},{"text":"So for example, one of the biggest shareholders for you is the iShares S and P five hundred, and that is often the staple in our portfolio because that one tracks the 500 largest listed companies in The US.","start":164.695,"end":179.435,"sentiment":"neutral","sentiment_score":0.07355408169902287},{"text":"So, obviously, very diversified into the one investment.","start":180.25,"end":183.13,"sentiment":"neutral","sentiment_score":0.033564373617991805}],"sentiment":"neutral","sentiment_score":0.05510581431417972,"num_words":174,"start":119.49,"end":183.13},{"sentences":[{"text":"And if there is one company that doesn't do as well or that's kind of smaller, it falls off and another one comes in.","start":183.13,"end":190.01,"sentiment":"neutral","sentiment_score":-0.07134540185021858},{"text":"So it kind of just tracks an index.","start":190.01,"end":191.93,"sentiment":"neutral","sentiment_score":0.05405584955587983},{"text":"So they tend to be a little bit cheaper in that way because you don't have as much, you know, research and stuff like that involved in through, you know, doing the active management of the portfolio, if that makes sense.","start":191.93,"end":203.945,"sentiment":"neutral","sentiment_score":0.07624632837932284},{"text":"Yeah.","start":204.96501,"end":205.285,"sentiment":"neutral","sentiment_score":0.15243002772331238},{"text":"Yeah.","start":205.285,"end":205.62,"sentiment":"neutral","sentiment_score":0.30738478899002075}],"sentiment":"neutral","sentiment_score":0.0307476190974315,"num_words":75,"start":183.13,"end":205.62},{"sentences":[{"text":"Perfect.","start":205.78,"end":206.26,"sentiment":"positive","sentiment_score":0.46435797214508057},{"text":"So with the vanilla vanilla, like I said, historically, they have done really, really well, and they were the top performing manager for for quite some time.","start":206.26,"end":214.12,"sentiment":"positive","sentiment_score":0.36702849964300793},{"text":"Recently, they have kind of underperformed a little bit, and one of the the biggest contributors to it is that not them per se, but one of their investments that they had in their portfolio was the corporate travel group.","start":214.26,"end":227.175,"sentiment":"neutral","sentiment_score":0.12721215700730681},{"text":"They had a bit of a bit of issues with their reporting, but they didn't really report things correctly, which caused everything to drop, which is why that one has taken a bit of a hit.","start":227.47499,"end":238.70001,"sentiment":"neutral","sentiment_score":-0.28449899139296675},{"text":"So it's not like the the fundamental of Benelon.","start":238.70001,"end":241.04001,"sentiment":"neutral","sentiment_score":-0.2761872543228997}],"sentiment":"neutral","sentiment_score":0.024203227997749252,"num_words":113,"start":205.78,"end":241.04001},{"sentences":[{"text":"It was one of the investments that they kind of had in their portfolio.","start":241.18001,"end":244.24,"sentiment":"neutral","sentiment_score":-0.17524232183183944},{"text":"But kind of aside from that, they're kind of been a bit more stagnant with the approach lately.","start":245.98001,"end":250.385,"sentiment":"neutral","sentiment_score":-0.274981252849102},{"text":"So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're happy for me to do that.","start":250.44499,"end":264.225,"sentiment":"neutral","sentiment_score":0.1979831544061502},{"text":"Yeah.","start":265.77,"end":266.27,"sentiment":"neutral","sentiment_score":0.08305573463439941},{"text":"Yeah.","start":269.12997,"end":269.62997,"sentiment":"neutral","sentiment_score":0.09971245378255844}],"sentiment":"neutral","sentiment_score":0.04956066378570618,"num_words":94,"start":241.18001,"end":269.62997},{"sentences":[{"text":"Yep.","start":271.28998,"end":271.78998,"sentiment":"neutral","sentiment_score":0.23115041851997375},{"text":"Yep.","start":280.905,"end":281.145,"sentiment":"neutral","sentiment_score":0.14184817671775818},{"text":"Okay.","start":281.145,"end":281.465,"sentiment":"neutral","sentiment_score":0.26974374055862427},{"text":"Perfect.","start":281.465,"end":281.945,"sentiment":"positive","sentiment_score":0.4180179238319397},{"text":"So I'll go and do that reset for you.","start":281.945,"end":283.945,"sentiment":"neutral","sentiment_score":0.2595708386765586}],"sentiment":"neutral","sentiment_score":0.26129983136287105,"num_words":13,"start":271.28998,"end":283.945},{"sentences":[{"text":"Now I do wanna also check something with you.","start":283.945,"end":286.505,"sentiment":"neutral","sentiment_score":0.06204155501392153},{"text":"Have you recently read our newsletter at all?","start":286.505,"end":289.565,"sentiment":"neutral","sentiment_score":0.015502954251132905},{"text":"No.","start":291.15997,"end":291.65997,"sentiment":"neutral","sentiment_score":-0.03874744102358818},{"text":"So we've recently kind of joined up with BlackRock, which you may have heard of.","start":291.96,"end":297.15997,"sentiment":"neutral","sentiment_score":0.024767504756649336},{"text":"They are one of the biggest fund managers out there.","start":297.15997,"end":299.58,"sentiment":"neutral","sentiment_score":0.0360783290117979}],"sentiment":"neutral","sentiment_score":0.0319987453390346,"num_words":43,"start":283.945,"end":299.58},{"sentences":[{"text":"Have you have you heard of them?","start":300.03998,"end":301.5,"sentiment":"neutral","sentiment_score":0.009879189277333873},{"text":"Yeah.","start":302.535,"end":302.935,"sentiment":"neutral","sentiment_score":0.029408402740955353},{"text":"So we've actually recently joined up with them and created our own SMA.","start":302.935,"end":307.675,"sentiment":"neutral","sentiment_score":0.04789911353817353},{"text":"Have you ever heard of an SMA before?","start":308.45502,"end":310.395,"sentiment":"neutral","sentiment_score":0.004120813682675362},{"text":"No.","start":311.575,"end":311.975,"sentiment":"neutral","sentiment_score":-0.07539209723472595}],"sentiment":"neutral","sentiment_score":0.022627520530174177,"num_words":30,"start":300.03998,"end":311.975},{"sentences":[{"text":"So the SMA is a little bit different.","start":311.975,"end":313.495,"sentiment":"neutral","sentiment_score":-0.04954047966748476},{"text":"It is a self managed account.","start":313.495,"end":315.595,"sentiment":"neutral","sentiment_score":-0.022369028069078922},{"text":"Now it is a bit different.","start":316.19,"end":317.55002,"sentiment":"neutral","sentiment_score":-0.03493846425165733},{"text":"So what you currently have is more like your model portfolio.","start":317.55002,"end":320.51,"sentiment":"neutral","sentiment_score":0.027229751375588505},{"text":"So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that.","start":320.51,"end":327.25,"sentiment":"neutral","sentiment_score":0.06758291333913803}],"sentiment":"neutral","sentiment_score":0.022302344774029086,"num_words":56,"start":311.975,"end":327.25},{"sentences":[{"text":"Now if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it.","start":327.47,"end":345.2,"sentiment":"neutral","sentiment_score":-0.03533055991283618},{"text":"You would then have to, you know, agree to the change, and we can then move ahead.","start":345.2,"end":348.74,"sentiment":"neutral","sentiment_score":0.19069198212202856},{"text":"Obviously, that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that.","start":348.96,"end":355.71503,"sentiment":"neutral","sentiment_score":-0.004822347834706306},{"text":"The estimate is a bit different in that you would be invested in one product.","start":356.73502,"end":362.49503,"sentiment":"neutral","sentiment_score":0.0026965777079264322},{"text":"So it might just be called something.","start":362.49503,"end":364.015,"sentiment":"neutral","sentiment_score":0.006009749136865139}],"sentiment":"neutral","sentiment_score":0.007363797463767696,"num_words":128,"start":327.47,"end":364.015},{"sentences":[{"text":"So you don't see, you know, each and every single one of the investments like you currently do.","start":364.015,"end":368.1,"sentiment":"neutral","sentiment_score":0.017277629114687443},{"text":"You would be, for example, invested in just one option.","start":368.34,"end":372.2,"sentiment":"neutral","sentiment_score":0.1020327478647232},{"text":"Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it, because you are just invested in that product per se, if that makes sense.","start":372.42,"end":395.075,"sentiment":"neutral","sentiment_score":0.3121336352539389},{"text":"Yeah.","start":396.22,"end":396.62,"sentiment":"positive","sentiment_score":0.4003382921218872},{"text":"So it it means that we can quite quickly, based on market trends and what's going on, make those decision and make the changes very quickly.","start":396.62,"end":404.0,"sentiment":"positive","sentiment_score":0.509954455953378}],"sentiment":"neutral","sentiment_score":0.2951268306496786,"num_words":128,"start":364.015,"end":404.0},{"sentences":[{"text":"You still get notified of what the changes are, but we don't have to go through kind of that long term compliance document.","start":404.06,"end":410.24,"sentiment":"neutral","sentiment_score":0.30043420584305475},{"text":"If you still go into Hub twenty '4, you can still see the individual investment, but they can, you know, change potentially a bit more frequently because it allows us to do that.","start":410.505,"end":421.325,"sentiment":"neutral","sentiment_score":0.27013666792349383},{"text":"And, obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee.","start":421.625,"end":430.0,"sentiment":"neutral","sentiment_score":0.25078517720103266},{"text":"You know, we kind of just combine forces.","start":430.7,"end":432.64,"sentiment":"neutral","sentiment_score":0.1027000518515706},{"text":"Is that something that you were open to?","start":433.02002,"end":435.36002,"sentiment":"neutral","sentiment_score":0.016181297600269318}],"sentiment":"neutral","sentiment_score":0.23686142516848835,"num_words":92,"start":404.06,"end":435.36002},{"sentences":[{"text":"Correct.","start":443.20502,"end":443.70502,"sentiment":"neutral","sentiment_score":0.03348800539970398},{"text":"Correct.","start":444.64502,"end":445.14502,"sentiment":"neutral","sentiment_score":0.2167407125234604},{"text":"Is that something that you are still comfortable with?","start":445.685,"end":448.885,"sentiment":"neutral","sentiment_score":0.1558621409866545},{"text":"Obviously, the the same rules and legislation and best interest that all stays in place.","start":448.885,"end":452.98502,"sentiment":"neutral","sentiment_score":0.10228192967673143},{"text":"Okay.","start":455.05,"end":455.55,"sentiment":"neutral","sentiment_score":0.06822167336940765}],"sentiment":"neutral","sentiment_score":0.12057180019716422,"num_words":27,"start":443.20502,"end":455.55},{"sentences":[{"text":"Yep.","start":460.81,"end":461.31,"sentiment":"positive","sentiment_score":0.45901116728782654},{"text":"Exactly.","start":469.945,"end":470.345,"sentiment":"positive","sentiment_score":0.3469201922416687},{"text":"It it does go hand in hand.","start":470.345,"end":471.465,"sentiment":"neutral","sentiment_score":0.31531353507723126},{"text":"And, obviously, we have to put your interest above everything.","start":471.465,"end":474.105,"sentiment":"neutral","sentiment_score":0.3167730912566185},{"text":"That's the ultimate the ultimate thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super.","start":474.105,"end":481.61002,"sentiment":"neutral","sentiment_score":0.3189940247042426}],"sentiment":"neutral","sentiment_score":0.32149341112623614,"num_words":48,"start":460.81,"end":481.61002},{"sentences":[{"text":"And, obviously, the goal is to maximize that growth for you.","start":481.91,"end":485.19,"sentiment":"positive","sentiment_score":0.45522571151906793},{"text":"But then in turn, by doing it, that would obviously exactly, like you said, you know, give us more money.","start":485.19,"end":490.23,"sentiment":"neutral","sentiment_score":0.25819270834326746},{"text":"So exactly like like you said, it is that kind of, you know, benefit relationship both ways.","start":490.23,"end":496.52502,"sentiment":"neutral","sentiment_score":0.27183300694998574},{"text":"So if you are happy with that kind of structure, I will research both.","start":497.225,"end":501.165,"sentiment":"neutral","sentiment_score":0.29110843262502123},{"text":"Some people think it's great because they don't have to be like, yep.","start":501.945,"end":504.42502,"sentiment":"positive","sentiment_score":0.4184248149394989}],"sentiment":"neutral","sentiment_score":0.3241005168358485,"num_words":75,"start":481.91,"end":504.42502},{"sentences":[{"text":"Cool.","start":504.42502,"end":504.58502,"sentiment":"positive","sentiment_score":0.5286943912506104},{"text":"That just means you can make quicker adjustments, whereas other people are like, no.","start":504.58502,"end":507.785,"sentiment":"neutral","sentiment_score":0.32650668706212727},{"text":"I want full visibility of everything.","start":507.785,"end":509.46,"sentiment":"positive","sentiment_score":0.3523375218113263},{"text":"So I do like to just check.","start":509.78,"end":511.46,"sentiment":"neutral","sentiment_score":0.13797011013541902},{"text":"And if you're happy with it, I will research both.","start":511.46,"end":514.2,"sentiment":"neutral","sentiment_score":0.20962846502661706}],"sentiment":"neutral","sentiment_score":0.2704181200579593,"num_words":38,"start":504.42502,"end":514.2},{"sentences":[{"text":"Yep.","start":516.02,"end":516.52,"sentiment":"neutral","sentiment_score":0.04911889135837555},{"text":"Okay.","start":516.89996,"end":517.39996,"sentiment":"neutral","sentiment_score":0.102541983127594},{"text":"Yep.","start":521.62,"end":522.12,"sentiment":"neutral","sentiment_score":0.11128990352153778},{"text":"Yep.","start":524.255,"end":524.575,"sentiment":"neutral","sentiment_score":0.19604472815990448},{"text":"Perfect.","start":524.575,"end":525.075,"sentiment":"positive","sentiment_score":0.487549364566803}],"sentiment":"neutral","sentiment_score":0.18930897414684295,"num_words":5,"start":516.02,"end":525.075},{"sentences":[{"text":"So because you are still in that current model, I will have to do one more SOA for you anyway for all the research, go through it with you.","start":525.135,"end":532.915,"sentiment":"neutral","sentiment_score":0.1270028935938046},{"text":"And then from that, if if it, you know, turns out that the estimate is the best for you and we go ahead with that change, it will mean that it will limit, especially when it comes to the investments moving forward.","start":533.295,"end":544.06,"sentiment":"neutral","sentiment_score":-0.16332964226603508},{"text":"So I'll definitely focus on the estimate and, obviously, make sure these in your best interest to do the switch, factoring in, obviously, capital gains tax and what your current investments have done which ones we're changing over.","start":544.06,"end":555.255,"sentiment":"neutral","sentiment_score":0.04585958085954189},{"text":"So I'll put all of that in a in a document for you and go through it with you, and then we can obviously take, take it from there.","start":555.255,"end":561.895,"sentiment":"neutral","sentiment_score":0.253316906248701},{"text":"Now I do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile.","start":561.895,"end":569.4,"sentiment":"neutral","sentiment_score":0.05602823787679275}],"sentiment":"neutral","sentiment_score":0.044794882728177825,"num_words":162,"start":525.135,"end":569.4},{"sentences":[{"text":"So at the moment, we have you invested in a high growth portfolio.","start":569.62006,"end":573.72003,"sentiment":"neutral","sentiment_score":0.032950699472656615},{"text":"Kind of remember what that is.","start":574.74005,"end":576.52,"sentiment":"neutral","sentiment_score":0.02419129138191541},{"text":"Yeah.","start":578.355,"end":578.855,"sentiment":"neutral","sentiment_score":0.0492958128452301},{"text":"Okay.","start":579.315,"end":579.815,"sentiment":"neutral","sentiment_score":0.036895688623189926},{"text":"Yeah.","start":588.195,"end":588.595,"sentiment":"neutral","sentiment_score":0.06802299618721008}],"sentiment":"neutral","sentiment_score":0.03307824268598448,"num_words":22,"start":569.62006,"end":588.595},{"sentences":[{"text":"Perfect.","start":588.595,"end":589.095,"sentiment":"neutral","sentiment_score":0.28105977177619934},{"text":"You do, at the moment, have plenty of time until retirement.","start":589.15497,"end":591.89496,"sentiment":"neutral","sentiment_score":0.10721526972272179},{"text":"With your home legislation, you can't access super until 60, but you do have plenty of time to do.","start":592.31,"end":598.17,"sentiment":"neutral","sentiment_score":0.009228896790821301},{"text":"Who who knows, honestly, the way things are going?","start":601.99,"end":605.20996,"sentiment":"neutral","sentiment_score":-0.008765032101008628},{"text":"You have time.","start":606.095,"end":607.075,"sentiment":"neutral","sentiment_score":-0.0023618843406438828}],"sentiment":"neutral","sentiment_score":0.03604199618187755,"num_words":43,"start":588.595,"end":607.075},{"sentences":[{"text":"So most definitely, if you are comfortable seeing a bit of short term fluctuations to kinda get that long term growth, then high growth from a time frame point of view is definitely suitable as long as you are comfortable seeing, you know, a bit of those fluctuations in the short term.","start":607.21497,"end":625.21,"sentiment":"neutral","sentiment_score":0.06470349251937407},{"text":"Yep.","start":626.71,"end":627.21,"sentiment":"neutral","sentiment_score":0.1840376108884811},{"text":"Yep.","start":627.67004,"end":628.17004,"sentiment":"positive","sentiment_score":0.3338439464569092},{"text":"Alright.","start":628.63,"end":629.03,"sentiment":"neutral","sentiment_score":0.30022311210632324},{"text":"Perfect.","start":629.03,"end":629.35004,"sentiment":"positive","sentiment_score":0.4106369018554687}],"sentiment":"neutral","sentiment_score":0.08202362825561847,"num_words":56,"start":607.21497,"end":629.35004},{"sentences":[{"text":"So I'll have a look at that high growth portfolio for you.","start":629.35004,"end":632.25,"sentiment":"neutral","sentiment_score":0.27667103707790375},{"text":"Now while I do research your investments and your superannuation, is there anything else that you need?","start":632.995,"end":639.795,"sentiment":"neutral","sentiment_score":0.1572109653669245},{"text":"You're still happy with your, you know, insurances?","start":639.795,"end":642.375,"sentiment":"neutral","sentiment_score":0.19580767815932631},{"text":"Yep.","start":649.57,"end":650.07,"sentiment":"neutral","sentiment_score":0.10693558305501938},{"text":"Yep.","start":651.08997,"end":651.58997,"sentiment":"neutral","sentiment_score":0.11360108852386476}],"sentiment":"neutral","sentiment_score":0.1994778705904117,"num_words":39,"start":629.35004,"end":651.58997},{"sentences":[{"text":"Let me have a look.","start":664.945,"end":666.325,"sentiment":"neutral","sentiment_score":0.05761764422059059},{"text":"I'll log in to Tile directly and have a little look for you.","start":666.705,"end":671.605,"sentiment":"neutral","sentiment_score":0.08714482474785584},{"text":"Normally, if there are any changes, we would also get notified.","start":674.84,"end":677.82,"sentiment":"neutral","sentiment_score":0.07347565550695766},{"text":"Let me see if I can look in here.","start":679.8,"end":684.38,"sentiment":"neutral","sentiment_score":0.04347684441341294},{"text":"When did you get that notification?","start":687.735,"end":689.355,"sentiment":"neutral","sentiment_score":0.01754007985194524}],"sentiment":"neutral","sentiment_score":0.06194852800531821,"num_words":44,"start":664.945,"end":689.355},{"sentences":[{"text":"Okay.","start":694.455,"end":694.855,"sentiment":"neutral","sentiment_score":0.047829046845436096},{"text":"Let me have a look.","start":694.855,"end":696.15497,"sentiment":"neutral","sentiment_score":0.044031602889299394},{"text":"Yeah.","start":702.95,"end":703.45,"sentiment":"neutral","sentiment_score":0.04143686592578888},{"text":"I'll I'll try to look in here.","start":705.27,"end":706.55,"sentiment":"neutral","sentiment_score":0.03811395461005824},{"text":"It's a bit of a they have a bit of a intense security to get in, so just bear with me.","start":706.55,"end":712.72504,"sentiment":"neutral","sentiment_score":-0.1259035879657382}],"sentiment":"neutral","sentiment_score":-0.05907867822263922,"num_words":35,"start":694.455,"end":712.72504},{"sentences":[{"text":"I have to do a lot of different cards, and then, you know, when you get things sent to your phone number, and then you have to have to do it that way.","start":712.72504,"end":718.72504,"sentiment":"neutral","sentiment_score":-0.07858272845094855},{"text":"So I'll I'll do that in the back end while you look for it because the e does take a little bit obviously, good security.","start":718.72504,"end":726.29,"sentiment":"neutral","sentiment_score":-0.03222136460244655},{"text":"Sometimes it's a little bit frustrating because it does take a while.","start":726.43,"end":728.93,"sentiment":"negative","sentiment_score":-0.4278012191255887},{"text":"So let me have a look here.","start":731.31,"end":732.93,"sentiment":"neutral","sentiment_score":-0.010989381532583917},{"text":"Alright.","start":744.445,"end":744.845,"sentiment":"neutral","sentiment_score":-0.012440260499715803}],"sentiment":"neutral","sentiment_score":-0.1105351886497094,"num_words":78,"start":712.72504,"end":744.845},{"sentences":[{"text":"So I no.","start":744.845,"end":747.245,"sentiment":"neutral","sentiment_score":-0.10212585081656773},{"text":"That's okay.","start":747.245,"end":747.985,"sentiment":"neutral","sentiment_score":-0.1526663973927498},{"text":"No.","start":750.17,"end":750.41,"sentiment":"neutral","sentiment_score":-0.12040407955646516},{"text":"That's okay.","start":750.41,"end":750.97,"sentiment":"neutral","sentiment_score":-0.03456435166299343},{"text":"I just got into the portal anyway.","start":750.97,"end":752.81,"sentiment":"neutral","sentiment_score":0.0291933821780341}],"sentiment":"neutral","sentiment_score":-0.039792630324761075,"num_words":15,"start":744.845,"end":752.81},{"sentences":[{"text":"So let me have a look here.","start":752.81,"end":754.49,"sentiment":"neutral","sentiment_score":0.0607322422521455},{"text":"So I can see here at the moment I see your total premium's about 2,522.","start":754.49,"end":762.43,"sentiment":"neutral","sentiment_score":0.02602475214904795},{"text":"Now let me see what the actual breakdown of the policy is that you have in place at the moment.","start":762.89,"end":769.715,"sentiment":"neutral","sentiment_score":0.01270009893923998},{"text":"You have life and total permanent disability.","start":771.135,"end":775.215,"sentiment":"neutral","sentiment_score":-0.05946143290826252},{"text":"That is $736,243 of both of them.","start":775.215,"end":781.71,"sentiment":"neutral","sentiment_score":-0.022839585186115334}],"sentiment":"neutral","sentiment_score":0.008810568395087362,"num_words":56,"start":752.81,"end":781.71},{"sentences":[{"text":"I can see here as well a income protection.","start":782.41,"end":785.63,"sentiment":"neutral","sentiment_score":0.04851972725656298},{"text":"So on the portal, yeah, it's definitely an income protection.","start":786.17,"end":789.21,"sentiment":"neutral","sentiment_score":0.09134247992187738},{"text":"I'll get the team to just call and follow-up if there's if there was anything, but on the portal right now, it is active.","start":789.21,"end":795.55505,"sentiment":"neutral","sentiment_score":0.08974834096928437},{"text":"Yeah.","start":798.41504,"end":798.91504,"sentiment":"neutral","sentiment_score":0.023348497226834297},{"text":"Yeah.","start":805.38995,"end":805.70996,"sentiment":"neutral","sentiment_score":0.08419094234704971}],"sentiment":"neutral","sentiment_score":0.08025782149699,"num_words":45,"start":782.41,"end":805.70996},{"sentences":[{"text":"But good good to check, though.","start":805.70996,"end":806.82996,"sentiment":"neutral","sentiment_score":0.22042491286993027},{"text":"If you ever get an email like that, just let us know.","start":806.82996,"end":809.41,"sentiment":"neutral","sentiment_score":0.18566948547959328},{"text":"We also do get notified if there's any changes.","start":809.55,"end":812.19,"sentiment":"neutral","sentiment_score":0.16862916615274218},{"text":"Like, it's more so if you had anything that you paid for out of pocket and you changed bank account and didn't tell us, and then they kinda, you know, make a a payment, it's more that.","start":812.19,"end":822.73505,"sentiment":"neutral","sentiment_score":0.04553629659317635},{"text":"Otherwise, we will never go and change your insurances without you agreeing to it.","start":822.73505,"end":827.315,"sentiment":"neutral","sentiment_score":0.05047217224325452}],"sentiment":"neutral","sentiment_score":0.09563716902182652,"num_words":78,"start":805.70996,"end":827.315},{"sentences":[{"text":"It is good to check, though, if you ever get something out of the norm, but, no, on the portal, you definitely have your income protection still in place.","start":827.85504,"end":835.49,"sentiment":"neutral","sentiment_score":0.09155788632302449},{"text":"Yep.","start":836.59,"end":836.99,"sentiment":"neutral","sentiment_score":0.2914813458919525},{"text":"Perfect.","start":836.99,"end":837.39,"sentiment":"positive","sentiment_score":0.403891921043396},{"text":"And you're still happy with those amounts and everything like that?","start":837.39,"end":839.95,"sentiment":"positive","sentiment_score":0.35939116098664026},{"text":"You don't wanna make any changes?","start":839.95,"end":841.65,"sentiment":"neutral","sentiment_score":-0.05342093420525392}],"sentiment":"neutral","sentiment_score":0.14548602366509536,"num_words":48,"start":827.85504,"end":841.65},{"sentences":[{"text":"That's all?","start":841.79,"end":842.53,"sentiment":"neutral","sentiment_score":0.020660875365138054},{"text":"Nope.","start":843.05505,"end":843.55505,"sentiment":"neutral","sentiment_score":-0.04737114906311035},{"text":"Yep.","start":844.17505,"end":844.67505,"sentiment":"neutral","sentiment_score":0.12203364074230194},{"text":"Yeah.","start":845.375,"end":845.695,"sentiment":"neutral","sentiment_score":0.10786062479019164},{"text":"Okay.","start":845.695,"end":846.195,"sentiment":"neutral","sentiment_score":0.17599879205226898}],"sentiment":"neutral","sentiment_score":0.06664060987532139,"num_words":6,"start":841.79,"end":846.195},{"sentences":[{"text":"Perfect.","start":846.255,"end":846.755,"sentiment":"neutral","sentiment_score":0.2689434289932251},{"text":"Now let me see if there's anything else I needed to confirm here with you.","start":847.05505,"end":850.755,"sentiment":"neutral","sentiment_score":0.0935929204026858},{"text":"Now you did say that you are self employed?","start":852.41504,"end":855.715,"sentiment":"neutral","sentiment_score":0.038727508650885686},{"text":"Yep.","start":857.19,"end":857.67,"sentiment":"neutral","sentiment_score":0.05587916076183319},{"text":"Is it set up as a business?","start":857.67,"end":859.29,"sentiment":"neutral","sentiment_score":0.04420449371848788}],"sentiment":"neutral","sentiment_score":0.07232410392977974,"num_words":33,"start":846.255,"end":859.29},{"sentences":[{"text":"Yep.","start":860.55,"end":860.87,"sentiment":"neutral","sentiment_score":0.05484606325626373},{"text":"So you pay yourself that 12% contributions as well?","start":860.87,"end":864.32996,"sentiment":"neutral","sentiment_score":0.06665158809887038},{"text":"Yep.","start":865.51,"end":865.82996,"sentiment":"neutral","sentiment_score":0.11143678426742554},{"text":"Yep.","start":865.82996,"end":866.31,"sentiment":"neutral","sentiment_score":0.1359861046075821},{"text":"Perfect.","start":866.31,"end":866.81,"sentiment":"neutral","sentiment_score":0.31574177742004395}],"sentiment":"neutral","sentiment_score":0.09368269403393452,"num_words":13,"start":860.55,"end":866.81},{"sentences":[{"text":"Now income, I have at $1.90.","start":867.75,"end":869.93,"sentiment":"neutral","sentiment_score":0.13896390795707703},{"text":"Yeah.","start":872.24506,"end":872.565,"sentiment":"neutral","sentiment_score":0.16846618056297302},{"text":"Okay.","start":872.565,"end":872.965,"sentiment":"neutral","sentiment_score":0.27363741397857666},{"text":"Perfect.","start":872.965,"end":873.465,"sentiment":"positive","sentiment_score":0.4325367212295532},{"text":"Just because when I do the research on your super and investments, I'll do kind of an updated projection for you as well for a couple of years, and, obviously, contributions going into super makes a difference.","start":873.60504,"end":883.54504,"sentiment":"neutral","sentiment_score":0.25751907156931386}],"sentiment":"neutral","sentiment_score":0.24427455242561258,"num_words":46,"start":867.75,"end":883.54504},{"sentences":[{"text":"So I just wanted to just to check those information.","start":884.01996,"end":886.83997,"sentiment":"neutral","sentiment_score":0.10035683317109942},{"text":"Now let me check if there's anything else I need here for you.","start":887.22,"end":890.04,"sentiment":"neutral","sentiment_score":0.03574226309473698},{"text":"Has anything changed with you otherwise since last time you had a catch up with us?","start":890.74,"end":895.86,"sentiment":"neutral","sentiment_score":-0.039656144101172686},{"text":"Any of your personal details, assets?","start":895.86,"end":898.83997,"sentiment":"neutral","sentiment_score":-0.026986717556913693},{"text":"No.","start":899.845,"end":900.345,"sentiment":"neutral","sentiment_score":-0.12150713801383972}],"sentiment":"neutral","sentiment_score":0.011962869629749785,"num_words":46,"start":884.01996,"end":900.345},{"sentences":[{"text":"Perfect.","start":902.565,"end":903.065,"sentiment":"neutral","sentiment_score":0.25411224365234375},{"text":"So just your property and an investment property?","start":903.525,"end":905.865,"sentiment":"neutral","sentiment_score":0.07885138178244233},{"text":"Yep.","start":906.805,"end":907.305,"sentiment":"neutral","sentiment_score":0.0748898983001709},{"text":"At no motor vehicle, so is that all through the business?","start":907.445,"end":909.785,"sentiment":"neutral","sentiment_score":0.02686423020945354},{"text":"Yep.","start":911.605,"end":912.005,"sentiment":"neutral","sentiment_score":0.07848626375198364}],"sentiment":"neutral","sentiment_score":0.06062754510309209,"num_words":22,"start":902.565,"end":912.005},{"sentences":[{"text":"Yep.","start":912.005,"end":912.39,"sentiment":"neutral","sentiment_score":0.12359704822301865},{"text":"Perfect.","start":912.55,"end":913.05,"sentiment":"neutral","sentiment_score":0.3109303116798401},{"text":"Now I don't actually have a next of kin on file for you.","start":914.15,"end":917.37,"sentiment":"neutral","sentiment_score":-0.047282142707934745},{"text":"Who would you like to nominate, and that can be anybody?","start":918.31,"end":921.13,"sentiment":"neutral","sentiment_score":0.07078551839698445},{"text":"Yep.","start":926.965,"end":927.465,"sentiment":"neutral","sentiment_score":0.03916506469249725}],"sentiment":"neutral","sentiment_score":0.0236172322873716,"num_words":27,"start":912.005,"end":927.465},{"sentences":[{"text":"Perfect.","start":927.765,"end":928.265,"sentiment":"neutral","sentiment_score":0.11690275371074677},{"text":"Yep.","start":930.24506,"end":930.74506,"sentiment":"neutral","sentiment_score":0.01739620789885521},{"text":"And contact number?","start":930.885,"end":932.34503,"sentiment":"neutral","sentiment_score":0.00982873234897852},{"text":"Two one.","start":937.86,"end":938.5,"sentiment":"neutral","sentiment_score":0.005004319362342358},{"text":"Yep.","start":938.5,"end":939.0,"sentiment":"neutral","sentiment_score":0.008220246061682701}],"sentiment":"neutral","sentiment_score":0.02275175543036312,"num_words":8,"start":927.765,"end":939.0},{"sentences":[{"text":"Four four two.","start":940.66,"end":941.45996,"sentiment":"neutral","sentiment_score":0.004098452161997557},{"text":"Yep.","start":941.45996,"end":941.95996,"sentiment":"neutral","sentiment_score":0.01068355143070221},{"text":"980.","start":943.94,"end":944.82,"sentiment":"neutral","sentiment_score":0.013127213343977928},{"text":"Perfect.","start":944.82,"end":945.3,"sentiment":"neutral","sentiment_score":0.1836935728788376},{"text":"And is that your wife?","start":945.3,"end":946.6,"sentiment":"neutral","sentiment_score":0.08237158954143524}],"sentiment":"neutral","sentiment_score":0.05742342198606242,"num_words":11,"start":940.66,"end":946.6},{"sentences":[{"text":"Yep.","start":947.7,"end":948.2,"sentiment":"neutral","sentiment_score":0.06832630932331085},{"text":"Perfect.","start":948.26,"end":948.76,"sentiment":"neutral","sentiment_score":0.2356742024421692},{"text":"And do you guys have any financial dependents?","start":949.45996,"end":951.56,"sentiment":"neutral","sentiment_score":0.06567805726081133},{"text":"Yes.","start":954.635,"end":955.135,"sentiment":"neutral","sentiment_score":0.052771758288145065},{"text":"Oh, well, congratulations.","start":955.515,"end":956.575,"sentiment":"positive","sentiment_score":0.4161646564801534}],"sentiment":"neutral","sentiment_score":0.15219219268432685,"num_words":14,"start":947.7,"end":956.575},{"sentences":[{"text":"Bit of bit of a change.","start":958.79504,"end":960.09503,"sentiment":"neutral","sentiment_score":0.13320822765429816},{"text":"Oh, well, that's great.","start":962.47504,"end":964.255,"sentiment":"positive","sentiment_score":0.4438113197684288},{"text":"Perfect.","start":965.755,"end":966.255,"sentiment":"positive","sentiment_score":0.5500946044921875},{"text":"I'll update that.","start":966.315,"end":967.61505,"sentiment":"neutral","sentiment_score":0.32350365320841473},{"text":"Otherwise, no changes to health and lifestyle or anything like that.","start":969.2,"end":972.0,"sentiment":"neutral","sentiment_score":-0.0021581852977926082}],"sentiment":"neutral","sentiment_score":0.16285440683364868,"num_words":25,"start":958.79504,"end":972.0},{"sentences":[{"text":"Still non smoker.","start":972.0,"end":973.06,"sentiment":"neutral","sentiment_score":-0.05478920477132002},{"text":"No.","start":973.76,"end":974.26,"sentiment":"neutral","sentiment_score":-0.04789641499519348},{"text":"No.","start":974.56,"end":975.06,"sentiment":"neutral","sentiment_score":-0.03700339049100876},{"text":"Yeah.","start":976.24,"end":976.74,"sentiment":"neutral","sentiment_score":-0.001308942213654518},{"text":"Yes.","start":983.935,"end":984.435,"sentiment":"neutral","sentiment_score":0.008346340619027615}],"sentiment":"neutral","sentiment_score":-0.03460428877068417,"num_words":7,"start":972.0,"end":984.435},{"sentences":[{"text":"Let me have a quick look on the account there for you, what we have.","start":984.97504,"end":988.815,"sentiment":"neutral","sentiment_score":0.016135304297010104},{"text":"But, yes, definitely.","start":988.815,"end":989.875,"sentiment":"neutral","sentiment_score":0.07950056095918019},{"text":"Now because it is a legal nomination on the forms, it has to be wet signed and witnessed.","start":990.015,"end":997.23,"sentiment":"neutral","sentiment_score":0.012835419736802578},{"text":"Now do you have access to a printer, or do you prefer post?","start":998.57,"end":1002.51,"sentiment":"neutral","sentiment_score":-0.008778200054971071},{"text":"Yep.","start":1008.185,"end":1008.585,"sentiment":"neutral","sentiment_score":0.14700032770633698}],"sentiment":"neutral","sentiment_score":0.014889050591737032,"num_words":50,"start":984.97504,"end":1008.585},{"sentences":[{"text":"Perfect.","start":1008.585,"end":1009.085,"sentiment":"positive","sentiment_score":0.43098586797714233},{"text":"Because I do have here at the moment Samantha listed at a 100 percent.","start":1009.625,"end":1015.565,"sentiment":"neutral","sentiment_score":0.15442047161715372},{"text":"Yep.","start":1017.865,"end":1018.365,"sentiment":"neutral","sentiment_score":-0.0022572174202650785},{"text":"Yeah.","start":1021.93,"end":1022.25,"sentiment":"neutral","sentiment_score":0.0821123719215393},{"text":"Perfect.","start":1022.25,"end":1022.75,"sentiment":"neutral","sentiment_score":0.24763697385787964}],"sentiment":"neutral","sentiment_score":0.1622424777209138,"num_words":18,"start":1008.585,"end":1022.75},{"sentences":[{"text":"Yeah.","start":1025.61,"end":1025.9299,"sentiment":"neutral","sentiment_score":0.16358308494091034},{"text":"And it is I'm actually very glad you asked about that as well because it says interdependent relationship.","start":1025.9299,"end":1031.39,"sentiment":"positive","sentiment_score":0.4602881446480751},{"text":"That one is a bit of a gray one because if it is a family member that's not your spouse or your child, there are quite rich tight restrictions on who you can actually nominate directly for a super.","start":1031.77,"end":1044.1449,"sentiment":"neutral","sentiment_score":-0.049051458159318335},{"text":"And unless you are in a financial, like, you are relying on each other financially or you are provide like, you live together and you're providing her with support, it doesn't actually fall into that category.","start":1044.2849,"end":1056.5499,"sentiment":"neutral","sentiment_score":0.007319054204142756},{"text":"So I'm very glad you you mentioned it.","start":1057.8099,"end":1059.73,"sentiment":"positive","sentiment_score":0.6735841631889343}],"sentiment":"neutral","sentiment_score":0.11948943212993589,"num_words":102,"start":1025.61,"end":1059.73},{"sentences":[{"text":"So we definitely wanna get that sorted to your wife.","start":1059.73,"end":1063.625,"sentiment":"positive","sentiment_score":0.5338596343994141},{"text":"And you're still happy with that non lapse in binding nomination option?","start":1063.625,"end":1067.565,"sentiment":"neutral","sentiment_score":0.3025901472816865},{"text":"Do you yeah.","start":1068.585,"end":1069.3049,"sentiment":"neutral","sentiment_score":0.19929181536038718},{"text":"Perfect.","start":1069.3049,"end":1069.7849,"sentiment":"positive","sentiment_score":0.5428787469863892},{"text":"Great.","start":1069.7849,"end":1070.2849,"sentiment":"positive","sentiment_score":0.605498194694519}],"sentiment":"positive","sentiment_score":0.39688631478283143,"num_words":27,"start":1059.73,"end":1070.2849},{"sentences":[{"text":"Now I will get that I'll get the team to email that to you to make it easier so we can get that sorted quicker.","start":1070.745,"end":1076.7649,"sentiment":"positive","sentiment_score":0.4288851928710937},{"text":"Obviously, if something ever were to happen to you, and I'll make sure we do it for both your super and your insurances as well.","start":1076.98,"end":1083.48,"sentiment":"neutral","sentiment_score":0.24696218729019165},{"text":"Yep.","start":1084.1799,"end":1084.6599,"sentiment":"neutral","sentiment_score":0.099579356610775},{"text":"Perfect.","start":1084.6599,"end":1085.1599,"sentiment":"neutral","sentiment_score":0.2716236710548401},{"text":"Now, otherwise, that was kind of everything I needed to cross off on my end.","start":1086.1,"end":1089.46,"sentiment":"neutral","sentiment_score":0.07824145033955573}],"sentiment":"neutral","sentiment_score":0.2752389445789714,"num_words":67,"start":1070.745,"end":1089.46},{"sentences":[{"text":"So it will take a couple of weeks for me to get all this research together.","start":1089.46,"end":1092.795,"sentiment":"neutral","sentiment_score":0.03660860098898411},{"text":"But as soon as I do, I'll give you a call.","start":1093.095,"end":1095.095,"sentiment":"neutral","sentiment_score":0.19038724086501382},{"text":"I'll run through the recommendation, and then you can obviously let me know if you're happy with it, then we can go and make those changes for you.","start":1095.095,"end":1102.795,"sentiment":"neutral","sentiment_score":0.3217141846460955},{"text":"But do you have any other questions or need anything else from me while you do have me on the phone?","start":1102.935,"end":1107.755,"sentiment":"neutral","sentiment_score":0.16091537972291312},{"text":"Yep.","start":1110.35,"end":1110.67,"sentiment":"neutral","sentiment_score":0.1678101271390915}],"sentiment":"neutral","sentiment_score":0.19785750047727066,"num_words":77,"start":1089.46,"end":1110.67},{"sentences":[{"text":"Alright.","start":1110.67,"end":1111.07,"sentiment":"neutral","sentiment_score":0.2529617249965668},{"text":"Perfect.","start":1111.07,"end":1111.57,"sentiment":"positive","sentiment_score":0.3366854190826416},{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start":1111.63,"end":1114.37,"sentiment":"positive","sentiment_score":0.6146400490632424},{"text":"If you need anything in the meantime, let me know.","start":1115.3099,"end":1117.3099,"sentiment":"neutral","sentiment_score":0.07616308890283108},{"text":"But, otherwise, I'll be in touch soon.","start":1117.3099,"end":1119.57,"sentiment":"neutral","sentiment_score":0.0992160817342145}],"sentiment":"neutral","sentiment_score":0.3136284763459116,"num_words":32,"start":1110.67,"end":1119.57},{"sentences":[{"text":"Yep.","start":1120.7429,"end":1121.2429,"sentiment":"neutral","sentiment_score":0.04926467686891556},{"text":"Perfect.","start":1121.6229,"end":1122.023,"sentiment":"positive","sentiment_score":0.5965709686279297},{"text":"Well, thank you so much, Thomas.","start":1122.023,"end":1123.403,"sentiment":"positive","sentiment_score":0.5870136469602585},{"text":"Mhmm.","start":1124.7429,"end":1125.2429,"sentiment":"neutral","sentiment_score":0.21071061491966248},{"text":"Thanks.","start":1125.463,"end":1125.943,"sentiment":"positive","sentiment_score":0.5621716976165771}],"sentiment":"positive","sentiment_score":0.49407998397946357,"num_words":10,"start":1120.7429,"end":1125.943},{"sentences":[{"text":"Bye.","start":1125.943,"end":1126.443,"sentiment":"positive","sentiment_score":0.3781157433986664}],"sentiment":"positive","sentiment_score":0.3781157433986664,"num_words":1,"start":1125.943,"end":1126.443}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I did. I still forgot. Yeah. Good, Veronica. Yourself? I'm good. Yeah. Absolutely. Yep. Yeah. That's fine. Yep. Thomas Trevor Draper. Date of birth, 03/03/1992, and address, 23 Eagle Circuit, Campbell. Yeah. Busy. I run my own business, so I've never done that. Yep. Yeah. Yeah. Absolutely. Yep. Not not not overly. Like, I might check it maybe once once every three, four months. Like, it's only briefly, like k. I mean, it's it's sitting there. It's obviously gaining a bit of traction, so I'm not too concerned with it. Yep. Yep. Okay. No. I haven't. No. Yep. Yep. Okay. Yep. Okay. Yes. Okay. Yep. Yep. Yep. Yeah. Yeah. Absolutely. Yeah. Yep. I can. Okay. Yep. Yeah. Yeah. That's that's that's that's fine. I mean, you guys are the professionals. That's why I'll pay you obviously through to to basically manage my funds. So, I mean, you just do what you think is in, obviously, my best interest and your best interest because at the end of the day, you guys are making money on me with my investments. So, yeah, I'll I'll just leave that with you guys. No. I haven't. No. Yep. Yes. I have. Yep. Okay. No. I haven't. No. No. Okay. Yep. Yep. Yep. Yep. Yes. Yep. Yeah. It does. Yep. Yep. Yep. Yep. Yep. Yep. Sorry. So essentially you so essentially you guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything. Is that what what you're getting at? Yeah. Yeah. Yeah. Look. I I I've got I've got no calls with that either because, I mean, like I said before, I'm happy for you guys to basically just manage manage my fund because at the end of the day, like, you're getting a percentage on whatever my my super is. So, I mean, it's in your best interest to make me as much money as possible, so I'm fine with that. Yep. Yep. Yep. Yeah. Absolutely. Yep. Yeah. No. Honestly, like, I'm fine with you guys just making the decisions for me. So if if if there's anything I need to sign off to say that I'm fine with that, like, just flick it through and I'll get it signed on DocuSign or whatever. Yep. Yes. Yep. Yep. Awesome. Yep. Yep. Yeah. I do. Yeah. Yeah. So, ideally, I wanna be in a high high growth profile for the probably the next ten years from what I remember, and then we sort of wanna turn it back a bit after that. Yep. By the time by the time I retire, I probably won't be able to access it until I'm 80. Yeah. Yeah. Yeah. Yeah. That's that's fine. I'm totally fine with that. Yeah. Yeah. So just just one thing I want just just one thing I wanted to bring up with you guys. So I did have an income protection policy through through my super. I got a letter from them the other day asking basically saying that the that it wasn't current. So I just wanted to know, have I still got an income protection through them, or has it gone through someone else? Just before Christmas, I think it was. See if I can find the email. Yep. Yep. Not not a second. Yeah. Not that's okay. I still use your petition. I can't even find the email in here now. My wife goes through all my emails and just deletes everything. Yep. Yep. Okay. Cool. No. That Okay. No. That's that's that's cool. I just wanted to bring it up because I wasn't sure if it's if you did just go in with, like, a different a different insurer or something like that. So that's fine. Yep. Yeah. Okay. Yep. Okay. Cool. Perfect. No. No. That that's that's all fine. That should help me for everything. Yes. That's correct. Yeah. Yeah. That's right. Yeah. Yep. That's correct. Yep. No. Not nothing's nothing's changed. No. Not all the same assets and everything. So yep. That's right. Yeah. It's all through work. So yep. Okay. Yeah. So that's, Talicia Short, so t e l I c I a, Short, s h o r t. Yep. Contact is 0421 2 1. 442 980. Yes. That's my wife. Yep. Yes. We've got one daughter, six month old daughter. Yeah. Thank you. Massive change. Yeah. Yeah. No. Not at not at all. But just with with Talisha, can we get her put on my super as, like, the if anything was to happen with my life insurance or anything like that, that she was the beneficiary of it? She want d h? Yes. Okay. Yeah. No. I've I've got an office, so I can print print whatever off and get it signed and witnessed, whatever. Yep. So that yeah. That's my sister. But we'll just we'll take her off it, and then we'll put my wife on her. That was done that was done years and years and years ago. So Yep. Okay. Okay. Yep. Yep. Yep. Awesome. Yep. Perfect. Yep. Yep. Awesome. Nah. Every everything else is very straightforward. Yep. No worries. Yep. Too easy. Will do. Alright. I'll call you all then. No worries. Thank you so much. Cheers. 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Yeah. I did. I still forgot. Yeah.\n\nGood, Veronica. Yourself? I'm good. Yeah. Absolutely.\n\nYep. Yeah. That's fine. Yep. Thomas Trevor Draper.\n\nDate of birth, 03/03/1992, and address, 23 Eagle Circuit, Campbell. Yeah. Busy. I run my own business, so I've never done that. Yep.\n\nYeah. Yeah. Absolutely. Yep. Not not not overly.\n\nLike, I might check it maybe once once every three, four months. Like, it's only briefly, like k. I mean, it's it's sitting there. It's obviously gaining a bit of traction, so I'm not too concerned with it. Yep.\n\nYep. Okay. No. I haven't. No.\n\nYep. Yep. Okay. Yep. Okay.\n\nYes. Okay. Yep. Yep. Yep.\n\nYeah. Yeah. Absolutely. Yeah. Yep.\n\nI can. Okay. Yep. Yeah. Yeah.\n\nThat's that's that's that's fine. I mean, you guys are the professionals. That's why I'll pay you obviously through to to basically manage my funds. So, I mean, you just do what you think is in, obviously, my best interest and your best interest because at the end of the day, you guys are making money on me with my investments. So, yeah, I'll I'll just leave that with you guys.\n\nNo. I haven't. No. Yep. Yes.\n\nI have. Yep. Okay. No. I haven't.\n\nNo. No. Okay. Yep. Yep.\n\nYep. Yep. Yes. Yep. Yeah.\n\nIt does. Yep. Yep. Yep. Yep.\n\nYep. Yep. Sorry. So essentially you so essentially you guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything. Is that what what you're getting at?\n\nYeah. Yeah. Yeah. Look. I I I've got I've got no calls with that either because, I mean, like I said before, I'm happy for you guys to basically just manage manage my fund because at the end of the day, like, you're getting a percentage on whatever my my super is.\n\nSo, I mean, it's in your best interest to make me as much money as possible, so I'm fine with that. Yep. Yep. Yep. Yeah.\n\nAbsolutely. Yep. Yeah. No. Honestly, like, I'm fine with you guys just making the decisions for me.\n\nSo if if if there's anything I need to sign off to say that I'm fine with that, like, just flick it through and I'll get it signed on DocuSign or whatever. Yep. Yes. Yep. Yep.\n\nAwesome. Yep. Yep. Yeah. I do.\n\nYeah. Yeah. So, ideally, I wanna be in a high high growth profile for the probably the next ten years from what I remember, and then we sort of wanna turn it back a bit after that. Yep. By the time by the time I retire, I probably won't be able to access it until I'm 80.\n\nYeah. Yeah. Yeah. Yeah. That's that's fine.\n\nI'm totally fine with that. Yeah. Yeah. So just just one thing I want just just one thing I wanted to bring up with you guys. So I did have an income protection policy through through my super.\n\nI got a letter from them the other day asking basically saying that the that it wasn't current. So I just wanted to know, have I still got an income protection through them, or has it gone through someone else? Just before Christmas, I think it was. See if I can find the email. Yep.\n\nYep. Not not a second. Yeah. Not that's okay. I still use your petition.\n\nI can't even find the email in here now. My wife goes through all my emails and just deletes everything. Yep. Yep. Okay.\n\nCool. No. That Okay. No. That's that's that's cool.\n\nI just wanted to bring it up because I wasn't sure if it's if you did just go in with, like, a different a different insurer or something like that. So that's fine. Yep. Yeah. Okay.\n\nYep. Okay. Cool. Perfect. No.\n\nNo. That that's that's all fine. That should help me for everything. Yes. That's correct.\n\nYeah. Yeah. That's right. Yeah. Yep.\n\nThat's correct. Yep. No. Not nothing's nothing's changed. No.\n\nNot all the same assets and everything. So yep. That's right. Yeah. It's all through work.\n\nSo yep. Okay. Yeah. So that's, Talicia Short, so t e l I c I a, Short, s h o r t. Yep.\n\nContact is 0421 2 1. 442 980. Yes. That's my wife. Yep.\n\nYes. We've got one daughter, six month old daughter. Yeah. Thank you. Massive change.\n\nYeah. Yeah. No. Not at not at all. But just with with Talisha, can we get her put on my super as, like, the if anything was to happen with my life insurance or anything like that, that she was the beneficiary of it?\n\nShe want d h? Yes. Okay. Yeah. No.\n\nI've I've got an office, so I can print print whatever off and get it signed and witnessed, whatever. Yep. So that yeah. That's my sister. But we'll just we'll take her off it, and then we'll put my wife on her.\n\nThat was done that was done years and years and years ago. So Yep. Okay. Okay. Yep.\n\nYep. Yep. Awesome. Yep. Perfect.\n\nYep. Yep. Awesome. Nah. Every everything else is very straightforward.\n\nYep. No worries. Yep. Too easy. Will do.\n\nAlright. I'll call you all then. No worries. Thank you so much. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.03936643898487091},{"text":"Yeah.","start":3.6799998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.06016899272799492},{"text":"I did.","start":3.9199998,"end":4.24,"sentiment":"neutral","sentiment_score":0.07539061829447746},{"text":"I still forgot.","start":4.24,"end":4.98,"sentiment":"neutral","sentiment_score":0.03424522653222084},{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.1226099580526352}],"sentiment":"neutral","sentiment_score":0.05945778824388981,"num_words":8,"start":0.71999997,"end":8.48},{"sentences":[{"text":"Good, Veronica.","start":8.48,"end":9.2,"sentiment":"neutral","sentiment_score":0.28999609500169754},{"text":"Yourself?","start":9.2,"end":9.7,"sentiment":"neutral","sentiment_score":0.20248565077781677},{"text":"I'm 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guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything.","start":434.0,"end":442.89502,"sentiment":"neutral","sentiment_score":0.20591941848397255},{"text":"Is that what what you're getting at?","start":442.89502,"end":444.415,"sentiment":"neutral","sentiment_score":0.026318311258884414}],"sentiment":"neutral","sentiment_score":0.15947283982715912,"num_words":38,"start":430.56,"end":444.415},{"sentences":[{"text":"Yeah.","start":444.415,"end":444.915,"sentiment":"neutral","sentiment_score":0.14230406284332275},{"text":"Yeah.","start":445.21503,"end":445.71503,"sentiment":"neutral","sentiment_score":0.16960269212722778},{"text":"Yeah.","start":451.97998,"end":452.22,"sentiment":"neutral","sentiment_score":0.06143587827682495},{"text":"Look.","start":452.22,"end":452.46,"sentiment":"neutral","sentiment_score":0.06350737810134888},{"text":"I I I've got I've got no calls with that either because, I mean, like I said 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everything.","start":746.78503,"end":749.525,"sentiment":"neutral","sentiment_score":-0.20473750612952493},{"text":"Yep.","start":763.18,"end":763.68,"sentiment":"neutral","sentiment_score":0.026895757764577866},{"text":"Yep.","start":784.96,"end":785.46,"sentiment":"neutral","sentiment_score":0.027083484455943108},{"text":"Okay.","start":786.24,"end":786.64,"sentiment":"neutral","sentiment_score":0.08830703794956207}],"sentiment":"neutral","sentiment_score":-0.11923364898108918,"num_words":23,"start":744.465,"end":786.64},{"sentences":[{"text":"Cool.","start":786.64,"end":787.04,"sentiment":"neutral","sentiment_score":0.1819039285182953},{"text":"No.","start":787.04,"end":787.2,"sentiment":"neutral","sentiment_score":0.04401908069849014},{"text":"That Okay.","start":787.2,"end":796.33496,"sentiment":"neutral","sentiment_score":0.11125165596604347},{"text":"No.","start":796.33496,"end":796.57495,"sentiment":"neutral","sentiment_score":0.09170785546302795},{"text":"That's that's that's cool.","start":796.57495,"end":797.615,"sentiment":"positive","sentiment_score":0.43398362398147583}],"sentiment":"neutral","sentiment_score":0.2528965191708671,"num_words":9,"start":786.64,"end":797.615},{"sentences":[{"text":"I just wanted to bring it up because I wasn't sure if it's if you did just go in with, like, a different a different insurer or something like that.","start":797.615,"end":804.255,"sentiment":"neutral","sentiment_score":-0.008995211496949197},{"text":"So that's fine.","start":804.255,"end":805.15497,"sentiment":"neutral","sentiment_score":0.05833187450965246},{"text":"Yep.","start":809.97,"end":810.47,"sentiment":"neutral","sentiment_score":0.16171365976333618},{"text":"Yeah.","start":821.97,"end":822.47,"sentiment":"neutral","sentiment_score":0.034106746315956116},{"text":"Okay.","start":825.935,"end":826.435,"sentiment":"neutral","sentiment_score":0.11230302602052689}],"sentiment":"neutral","sentiment_score":0.005923964186675019,"num_words":36,"start":797.615,"end":826.435},{"sentences":[{"text":"Yep.","start":827.615,"end":828.115,"sentiment":"neutral","sentiment_score":0.16744188964366913},{"text":"Okay.","start":835.855,"end":836.175,"sentiment":"neutral","sentiment_score":0.22082412242889404},{"text":"Cool.","start":836.175,"end":836.495,"sentiment":"positive","sentiment_score":0.36029714345932007},{"text":"Perfect.","start":836.495,"end":836.995,"sentiment":"positive","sentiment_score":0.412803590297699},{"text":"No.","start":842.05005,"end":842.29004,"sentiment":"neutral","sentiment_score":-0.10471612215042114}],"sentiment":"neutral","sentiment_score":0.2113301247358322,"num_words":5,"start":827.615,"end":842.29004},{"sentences":[{"text":"No.","start":842.29004,"end":842.53,"sentiment":"neutral","sentiment_score":-0.10078604519367218},{"text":"That that's that's all fine.","start":842.53,"end":843.65,"sentiment":"neutral","sentiment_score":-0.011375748366117478},{"text":"That should help me for everything.","start":843.65,"end":845.03,"sentiment":"neutral","sentiment_score":0.17526302735010782},{"text":"Yes.","start":856.41504,"end":856.655,"sentiment":"neutral","sentiment_score":0.05002294108271599},{"text":"That's correct.","start":856.655,"end":857.395,"sentiment":"neutral","sentiment_score":0.08038950711488724}],"sentiment":"neutral","sentiment_score":0.07364768882592519,"num_words":15,"start":842.29004,"end":857.395},{"sentences":[{"text":"Yeah.","start":859.935,"end":860.435,"sentiment":"neutral","sentiment_score":0.05102309212088585},{"text":"Yeah.","start":864.61,"end":864.93,"sentiment":"neutral","sentiment_score":0.07424475997686386},{"text":"That's right.","start":864.93,"end":865.49,"sentiment":"neutral","sentiment_score":0.1071300245821476},{"text":"Yeah.","start":865.49,"end":865.99,"sentiment":"neutral","sentiment_score":0.11414170265197754},{"text":"Yep.","start":871.32996,"end":871.64996,"sentiment":"neutral","sentiment_score":0.12309758365154266}],"sentiment":"neutral","sentiment_score":0.09612786459426086,"num_words":6,"start":859.935,"end":871.64996},{"sentences":[{"text":"That's correct.","start":871.64996,"end":872.38995,"sentiment":"neutral","sentiment_score":0.18878819793462753},{"text":"Yep.","start":884.185,"end":884.685,"sentiment":"neutral","sentiment_score":0.1274070143699646},{"text":"No.","start":898.14,"end":898.46,"sentiment":"neutral","sentiment_score":-0.0672040805220604},{"text":"Not nothing's nothing's changed.","start":898.46,"end":900.54,"sentiment":"neutral","sentiment_score":-0.08174809627234936},{"text":"No.","start":900.54,"end":900.86,"sentiment":"neutral","sentiment_score":-0.109169140458107}],"sentiment":"neutral","sentiment_score":0.00017975601885053847,"num_words":9,"start":871.64996,"end":900.86},{"sentences":[{"text":"Not all the same assets and everything.","start":900.86,"end":902.72003,"sentiment":"neutral","sentiment_score":-0.08556294334786278},{"text":"So yep.","start":902.78,"end":906.465,"sentiment":"neutral","sentiment_score":0.05797373317182064},{"text":"That's right.","start":906.465,"end":907.205,"sentiment":"neutral","sentiment_score":0.12190783768892288},{"text":"Yeah.","start":909.825,"end":910.145,"sentiment":"neutral","sentiment_score":0.05332321301102638},{"text":"It's all through work.","start":910.145,"end":911.10504,"sentiment":"neutral","sentiment_score":0.062013120390474796}],"sentiment":"neutral","sentiment_score":0.0038873895537108183,"num_words":16,"start":900.86,"end":911.10504},{"sentences":[{"text":"So yep.","start":911.10504,"end":912.005,"sentiment":"neutral","sentiment_score":0.07179776579141617},{"text":"Okay.","start":917.98,"end":918.48,"sentiment":"neutral","sentiment_score":0.025667648762464523},{"text":"Yeah.","start":921.42,"end":921.74,"sentiment":"neutral","sentiment_score":0.04472539573907852},{"text":"So that's, Talicia Short, so t e l I c I a, Short, s h o r t.","start":921.74,"end":929.51996,"sentiment":"neutral","sentiment_score":0.03646140612868799},{"text":"Yep.","start":932.605,"end":932.925,"sentiment":"neutral","sentiment_score":0.007344461046159267}],"sentiment":"neutral","sentiment_score":0.038158189019431236,"num_words":23,"start":911.10504,"end":932.925},{"sentences":[{"text":"Contact is 0421 2 1.","start":932.925,"end":938.885,"sentiment":"neutral","sentiment_score":0.0054306210950016975},{"text":"442 980.","start":939.165,"end":943.505,"sentiment":"neutral","sentiment_score":0.006506981560960412},{"text":"Yes.","start":946.86005,"end":947.10004,"sentiment":"neutral","sentiment_score":0.06256213039159775},{"text":"That's my wife.","start":947.10004,"end":947.9,"sentiment":"neutral","sentiment_score":0.0923732618490855},{"text":"Yep.","start":947.9,"end":948.4,"sentiment":"neutral","sentiment_score":0.08238254487514496}],"sentiment":"neutral","sentiment_score":0.038519294117577374,"num_words":12,"start":932.925,"end":948.4},{"sentences":[{"text":"Yes.","start":952.78,"end":953.02,"sentiment":"neutral","sentiment_score":0.03704507276415825},{"text":"We've got one daughter, six month old daughter.","start":953.02,"end":955.2,"sentiment":"neutral","sentiment_score":0.05107477493584156},{"text":"Yeah.","start":957.02,"end":957.34,"sentiment":"positive","sentiment_score":0.3995586037635803},{"text":"Thank you.","start":957.34,"end":958.16003,"sentiment":"positive","sentiment_score":0.6067726016044617},{"text":"Massive change.","start":960.795,"end":961.59503,"sentiment":"neutral","sentiment_score":0.20474983006715775}],"sentiment":"neutral","sentiment_score":0.17630333852555072,"num_words":14,"start":952.78,"end":961.59503},{"sentences":[{"text":"Yeah.","start":961.59503,"end":962.09503,"sentiment":"neutral","sentiment_score":0.21427150070667267},{"text":"Yeah.","start":963.03503,"end":963.53503,"sentiment":"neutral","sentiment_score":0.2957451641559601},{"text":"No.","start":972.29004,"end":972.61,"sentiment":"neutral","sentiment_score":-0.10975499451160432},{"text":"Not at not at all.","start":972.61,"end":973.89,"sentiment":"neutral","sentiment_score":-0.12015771120786667},{"text":"But just with with Talisha, can we get her put on my super as, like, the if anything was to happen with my life insurance or anything like that, that she was the beneficiary of it?","start":973.89,"end":983.65,"sentiment":"neutral","sentiment_score":-0.006252712570130825}],"sentiment":"neutral","sentiment_score":-0.009673284959386696,"num_words":44,"start":961.59503,"end":983.65},{"sentences":[{"text":"She want d h?","start":983.65,"end":984.61,"sentiment":"neutral","sentiment_score":0.0032989989267662168},{"text":"Yes.","start":984.61,"end":985.11,"sentiment":"neutral","sentiment_score":0.017169779166579247},{"text":"Okay.","start":998.23505,"end":998.73505,"sentiment":"neutral","sentiment_score":0.020125888288021088},{"text":"Yeah.","start":1002.78,"end":1003.02,"sentiment":"neutral","sentiment_score":-0.016016345471143723},{"text":"No.","start":1003.02,"end":1003.26,"sentiment":"neutral","sentiment_score":-0.04440523684024811}],"sentiment":"neutral","sentiment_score":-0.0012412398937158287,"num_words":8,"start":983.65,"end":1003.26},{"sentences":[{"text":"I've I've got an office, so I can print print whatever off and get it signed and witnessed, whatever.","start":1003.26,"end":1007.68,"sentiment":"neutral","sentiment_score":0.038332517307839896},{"text":"Yep.","start":1014.555,"end":1014.875,"sentiment":"neutral","sentiment_score":0.11596523970365524},{"text":"So that yeah.","start":1014.875,"end":1016.31494,"sentiment":"neutral","sentiment_score":0.1282059053579966},{"text":"That's my sister.","start":1016.31494,"end":1017.295,"sentiment":"neutral","sentiment_score":0.03687857339779536},{"text":"But we'll just we'll take her off it, and then we'll put my wife on her.","start":1017.83496,"end":1021.77496,"sentiment":"neutral","sentiment_score":-0.024324757046997547}],"sentiment":"neutral","sentiment_score":0.022627152192095917,"num_words":42,"start":1003.26,"end":1021.77496},{"sentences":[{"text":"That was done that was done years and years and years ago.","start":1022.475,"end":1024.955,"sentiment":"neutral","sentiment_score":0.10561630253990491},{"text":"So Yep.","start":1024.955,"end":1039.87,"sentiment":"neutral","sentiment_score":0.061209866777062416},{"text":"Okay.","start":1044.7849,"end":1045.2849,"sentiment":"neutral","sentiment_score":-0.0390777513384819},{"text":"Okay.","start":1066.42,"end":1066.92,"sentiment":"neutral","sentiment_score":0.13848163187503815},{"text":"Yep.","start":1068.02,"end":1068.5,"sentiment":"neutral","sentiment_score":0.1293186396360397}],"sentiment":"neutral","sentiment_score":0.09520811083562233,"num_words":17,"start":1022.475,"end":1068.5},{"sentences":[{"text":"Yep.","start":1068.5,"end":1069.0,"sentiment":"neutral","sentiment_score":0.13370804488658905},{"text":"Yep.","start":1077.135,"end":1077.4551,"sentiment":"neutral","sentiment_score":0.21117419004440308},{"text":"Awesome.","start":1077.4551,"end":1077.9551,"sentiment":"positive","sentiment_score":0.36589086055755615},{"text":"Yep.","start":1083.2001,"end":1083.7001,"sentiment":"neutral","sentiment_score":0.06954941153526306},{"text":"Perfect.","start":1092.96,"end":1093.28,"sentiment":"neutral","sentiment_score":0.21460357308387756}],"sentiment":"neutral","sentiment_score":0.1989852160215378,"num_words":5,"start":1068.5,"end":1093.28},{"sentences":[{"text":"Yep.","start":1093.28,"end":1093.78,"sentiment":"neutral","sentiment_score":0.13959269225597382},{"text":"Yep.","start":1102.925,"end":1103.405,"sentiment":"neutral","sentiment_score":0.1351684033870697},{"text":"Awesome.","start":1103.405,"end":1103.905,"sentiment":"neutral","sentiment_score":0.31152626872062683},{"text":"Nah.","start":1107.245,"end":1107.485,"sentiment":"neutral","sentiment_score":0.11492884159088136},{"text":"Every everything else is very straightforward.","start":1107.485,"end":1109.425,"sentiment":"positive","sentiment_score":0.3663902630408605}],"sentiment":"neutral","sentiment_score":0.28995577841997144,"num_words":10,"start":1093.28,"end":1109.425},{"sentences":[{"text":"Yep.","start":1111.8,"end":1112.3,"sentiment":"neutral","sentiment_score":0.09080012142658234},{"text":"No worries.","start":1115.0,"end":1115.66,"sentiment":"neutral","sentiment_score":0.1922219693660736},{"text":"Yep.","start":1119.72,"end":1120.12,"sentiment":"neutral","sentiment_score":0.11434262245893478},{"text":"Too easy.","start":1120.12,"end":1120.68,"sentiment":"neutral","sentiment_score":0.20166193693876266},{"text":"Will do.","start":1120.68,"end":1121.34,"sentiment":"neutral","sentiment_score":0.11331477761268616}],"sentiment":"neutral","sentiment_score":0.15244251396507025,"num_words":8,"start":1111.8,"end":1121.34},{"sentences":[{"text":"Alright.","start":1122.073,"end":1122.573,"sentiment":"positive","sentiment_score":0.3665357530117035},{"text":"I'll call you all then.","start":1122.8729,"end":1123.673,"sentiment":"positive","sentiment_score":0.3558094143867493},{"text":"No worries.","start":1123.673,"end":1124.153,"sentiment":"neutral","sentiment_score":0.2392190396785736},{"text":"Thank you so much.","start":1124.153,"end":1125.053,"sentiment":"positive","sentiment_score":0.6792452186346054},{"text":"Cheers.","start":1126.393,"end":1126.713,"sentiment":"positive","sentiment_score":0.5603594183921814}],"sentiment":"positive","sentiment_score":0.4539508613256308,"num_words":13,"start":1122.073,"end":1126.713},{"sentences":[{"text":"Bye.","start":1126.713,"end":1127.213,"sentiment":"neutral","sentiment_score":-0.10506483167409895}],"sentiment":"neutral","sentiment_score":-0.10506483167409895,"num_words":1,"start":1126.713,"end":1127.213}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Thomas?\n\nChannel 1: Yeah. I did. I still forgot.\n\nChannel 0: This is Veronica from OQ Financial. How are you?\n\nChannel 1: Yeah. Good, Veronica. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: I'm good.\n\nChannel 0: I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. Absolutely. Yep.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Thomas Trevor Draper. Date of birth, 03/03/1992, and\n\nChannel 0: Yep.\n\nChannel 1: address, 23 Eagle Circuit, Campbell.\n\nChannel 0: Yep. Perfect. Exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Yeah. Busy. I run my own business, so I've never done that.\n\nChannel 0: Sorry? I'm always busy. Well, I will try not to keep you for too long. I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those. Is that right?\n\nChannel 1: Yep. Yeah. Yeah. Absolutely. Yep.\n\nChannel 0: Yeah. Yeah. Perfect. Now is your super something you keep an eye on a lot? Are you quite, like, across?\n\nChannel 1: Not not not overly. Like, I might check it maybe once once every three, four months. Like, it's only briefly, like k. I\n\nChannel 0: Mhmm.\n\nChannel 1: mean,\n\nChannel 0: Yep.\n\nChannel 1: it's it's sitting there. It's obviously gaining a bit of traction, so I'm not too concerned with it.\n\nChannel 0: Yep. Perfect. And so, yeah, essentially, with with your investment, obviously, following on from your annual review and stuff like that, there's obviously been a lot of changes in the market and what's going around in the world.\n\nChannel 1: Yep.\n\nChannel 0: Overall, the structure of the portfolio is really good, and, overall, a lot of the investments are doing what we want them to do. But there\n\nChannel 1: Yep.\n\nChannel 0: is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund. Have you ever\n\nChannel 1: Okay.\n\nChannel 0: heard much about that one?\n\nChannel 1: No. I haven't. No.\n\nChannel 0: No. So, essentially, the that one is a managed fund, and that was originally added to your portfolio at that time because it was doing really well. The purpose of that investment in how that one is that one specific is different to the other one is that because it's a managed fund, they tend to cost a little bit more\n\nChannel 1: Yep.\n\nChannel 0: because the\n\nChannel 1: Yep.\n\nChannel 0: purpose of it is to have that active management. So\n\nChannel 1: Okay.\n\nChannel 0: what they do is they kind of actively buys and sells different investments\n\nChannel 1: Yep.\n\nChannel 0: with the goal to try to outperform the market,\n\nChannel 1: Okay.\n\nChannel 0: which is a bit different through your other investments, which are more your ETFs, exchange traded funds, where the purpose is just to track an index, basically track the market in a way.\n\nChannel 1: Yes.\n\nChannel 0: So for example, one of the biggest shareholders for you is the iShares S and P five hundred, and that is often the staple in our portfolio because that one tracks the 500 largest listed companies in The US.\n\nChannel 1: Okay.\n\nChannel 0: So, obviously, very diversified into the one investment. And if there is one company that doesn't do as well or that's kind of smaller, it falls off and another one comes in. So it\n\nChannel 1: Yep.\n\nChannel 0: kind of\n\nChannel 1: Yep.\n\nChannel 0: just tracks an index. So they tend to be a little bit cheaper in that way because you don't have as much, you know, research and stuff like that involved in through, you know, doing the active management of the portfolio, if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense.\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. So with the vanilla vanilla, like I said, historically, they have done really, really well, and they were the top performing manager for for quite some time. Recently,\n\nChannel 1: Yep.\n\nChannel 0: they have kind of underperformed a little bit, and one of the the biggest contributors to it is that not them per se, but one of their investments that they had in their portfolio was the corporate travel group. They had\n\nChannel 1: I\n\nChannel 0: a bit\n\nChannel 1: can.\n\nChannel 0: of a bit of issues with their reporting, but they didn't really report things correctly, which caused everything to drop, which is\n\nChannel 1: Okay.\n\nChannel 0: why that one has taken a bit of a hit. So it's not like the the fundamental of Benelon. It was one of the investments that they kind of had in their portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But kind of aside from that, they're kind of been a bit more stagnant with the approach lately. So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're\n\nChannel 1: Yeah.\n\nChannel 0: happy\n\nChannel 1: Yeah. That's\n\nChannel 0: for me to\n\nChannel 1: that's\n\nChannel 0: do that.\n\nChannel 1: that's that's fine. I mean, you guys are the\n\nChannel 0: Yeah.\n\nChannel 1: professionals. That's why I'll pay you obviously through to to\n\nChannel 0: Yeah.\n\nChannel 1: basically manage my funds. So, I mean, you just\n\nChannel 0: Yep.\n\nChannel 1: do what you think is in, obviously, my best interest and your best interest because at the end of the day, you guys are making money on me with my investments. So, yeah, I'll I'll just leave that with you guys.\n\nChannel 0: Yep. Okay. Perfect. So I'll go and do that reset for you. Now I do wanna also check something with you.\n\nHave you recently read our newsletter at all?\n\nChannel 1: No. I haven't. No.\n\nChannel 0: No. So we've recently kind of joined up with BlackRock, which you may have heard of. They are one of the biggest fund managers out there.\n\nChannel 1: Yep.\n\nChannel 0: Have you have you heard of them?\n\nChannel 1: Yes. I have. Yep.\n\nChannel 0: Yeah. So we've actually recently joined up with them and created our own SMA. Have\n\nChannel 1: Okay.\n\nChannel 0: you ever heard of an SMA before?\n\nChannel 1: No. I haven't. No. No.\n\nChannel 0: No. So the SMA is a little bit different. It is a self managed account. Now\n\nChannel 1: Okay.\n\nChannel 0: it is a bit different. So what you currently have is more like your model portfolio. So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that. Now\n\nChannel 1: Yep.\n\nChannel 0: if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it. You would\n\nChannel 1: Yep.\n\nChannel 0: then have to, you know, agree to the change, and we can then move ahead. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that.\n\nChannel 1: Yep.\n\nChannel 0: The estimate is a bit different in that you would be invested in one product. So it might just be called something. So you don't see, you know, each and every single one of the investments like you currently do. You\n\nChannel 1: Yes.\n\nChannel 0: would be, for example, invested in just one option. Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it,\n\nChannel 1: Yep.\n\nChannel 0: because you are just invested in that product per se, if that makes sense.\n\nChannel 1: Yeah. It does. Yep.\n\nChannel 0: Yeah. So it it means that we can quite quickly, based on market trends and what's going on, make those decision and make the changes very quickly. You still get notified of what the changes are, but we don't have to go through kind of that long term compliance document. If you still go into Hub twenty '4, you can still see the individual investment, but\n\nChannel 1: Yep.\n\nChannel 0: they can, you know, change potentially a bit more frequently\n\nChannel 1: Yep.\n\nChannel 0: because it allows us to do that. And,\n\nChannel 1: Yep.\n\nChannel 0: obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee.\n\nChannel 1: Yep.\n\nChannel 0: You know, we kind of just combine forces. Is\n\nChannel 1: Yep.\n\nChannel 0: that something\n\nChannel 1: Sorry.\n\nChannel 0: that you\n\nChannel 1: So essentially\n\nChannel 0: were open\n\nChannel 1: you\n\nChannel 0: to?\n\nChannel 1: so essentially you guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything. Is that\n\nChannel 0: Correct.\n\nChannel 1: what what you're getting at? Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Is that something that you are still comfortable with? Obviously, the the same rules and legislation and best interest that all\n\nChannel 1: Yeah.\n\nChannel 0: stays\n\nChannel 1: Look.\n\nChannel 0: in\n\nChannel 1: I\n\nChannel 0: place.\n\nChannel 1: I I've got I've got no calls with that either because, I\n\nChannel 0: Okay.\n\nChannel 1: mean, like I said before, I'm happy for you guys to basically just manage manage my fund because at the end of\n\nChannel 0: Yep.\n\nChannel 1: the day, like, you're getting a percentage on whatever my my super is. So, I mean, it's in your best interest to make me as much money as possible, so I'm fine\n\nChannel 0: Exactly.\n\nChannel 1: with that.\n\nChannel 0: It it does go hand in hand. And, obviously, we have to put your interest above everything. That's the ultimate the ultimate\n\nChannel 1: Yep.\n\nChannel 0: thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super. And, obviously, the goal is to maximize that growth for you. But then in\n\nChannel 1: Yep. Yep.\n\nChannel 0: turn, by doing it, that would obviously exactly, like you said, you know, give us more money. So exactly like like you said, it is that kind of, you know, benefit relationship both ways.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: So if you are happy with that kind of structure, I will research both. Some people think it's great because they don't have to be like, yep. Cool. That just means you can make quicker adjustments, whereas other people are like, no. I want full visibility of everything.\n\nSo I\n\nChannel 1: Yep.\n\nChannel 0: do like to just check. And if you're\n\nChannel 1: Yeah.\n\nChannel 0: happy with it, I will research both.\n\nChannel 1: No. Honestly, like, I'm fine with you\n\nChannel 0: Yep.\n\nChannel 1: guys just making the decisions\n\nChannel 0: Okay.\n\nChannel 1: for me. So if if if there's anything I need to sign off to say that I'm fine with that, like, just flick it through\n\nChannel 0: Yep.\n\nChannel 1: and I'll get it signed on DocuSign or whatever.\n\nChannel 0: Yep. Perfect. So because you are still in that current model, I will have to do one more SOA for you anyway for\n\nChannel 1: Yep.\n\nChannel 0: all the research, go through it with you. And\n\nChannel 1: Yes.\n\nChannel 0: then from that, if if it, you know, turns out that the estimate is the best for you and we go ahead with that change, it will mean that it will limit, especially when it comes to the investments moving forward. So I'll definitely focus on the estimate and, obviously, make sure these in your best interest to do the switch, factoring\n\nChannel 1: Yep.\n\nChannel 0: in, obviously, capital gains tax and what your current investments have done which ones we're changing over. So I'll put all of that in a in a document for you and go through it with you, and\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Awesome.\n\nChannel 0: we can obviously take, take it from there. Now I\n\nChannel 1: Yep.\n\nChannel 0: do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile. So at the moment, we have you invested in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Kind of remember what that is.\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. So,\n\nChannel 0: Okay.\n\nChannel 1: ideally, I wanna be in a high high growth profile for the probably the next ten years from what I remember, and then we sort of wanna turn it back a bit after\n\nChannel 0: Yeah. Perfect. You do, at the\n\nChannel 1: that.\n\nChannel 0: moment, have plenty of time until retirement.\n\nChannel 1: Yep.\n\nChannel 0: With your home legislation, you can't access super until 60, but you do have plenty\n\nChannel 1: By the\n\nChannel 0: of\n\nChannel 1: time\n\nChannel 0: time\n\nChannel 1: by\n\nChannel 0: to\n\nChannel 1: the\n\nChannel 0: do.\n\nChannel 1: time I retire, I probably won't be able to access it until I'm 80.\n\nChannel 0: Who who knows, honestly,\n\nChannel 1: Yeah.\n\nChannel 0: the way\n\nChannel 1: Yeah.\n\nChannel 0: things are going? You have time. So most definitely, if you are comfortable seeing a bit of short term fluctuations to kinda get that long term growth, then high growth from a time frame point of view is definitely suitable as long as you are comfortable seeing, you know, a bit of those fluctuations in the short term.\n\nChannel 1: Yeah. Yeah. That's that's\n\nChannel 0: Yep.\n\nChannel 1: fine. I'm totally fine\n\nChannel 0: Yep.\n\nChannel 1: with that. Yeah.\n\nChannel 0: Alright. Perfect. So I'll have a look at that high growth portfolio for you. Now while I do research your investments and your superannuation, is there anything else that you need? You're still happy with your,\n\nChannel 1: Yeah. So\n\nChannel 0: you know,\n\nChannel 1: just\n\nChannel 0: insurances?\n\nChannel 1: just one thing I want just just one thing I wanted to bring up with you guys. So I did have an income protection policy through through\n\nChannel 0: Yep.\n\nChannel 1: my super.\n\nChannel 0: Yep.\n\nChannel 1: I got a letter from them the other day asking basically saying that the that it wasn't current. So I just wanted to know, have I still got an income protection through them, or has it gone through someone else?\n\nChannel 0: Let me have a look. I'll log in to Tile directly and have a little look for you. Normally, if there are any changes, we would also get notified. Let me see if I can look in here. When did you get that notification?\n\nChannel 1: Just before Christmas, I think it was.\n\nChannel 0: Okay. Let me have a look.\n\nChannel 1: See if I can find the email.\n\nChannel 0: Yeah. I'll I'll try to look in here. It's a bit of a they have a bit of a intense security to get in, so just bear\n\nChannel 1: Yep.\n\nChannel 0: with me. I have to do a lot of different cards, and then, you know, when you get things sent to your phone number, and then you have to have to do it that way. So I'll I'll do that in the back end while you\n\nChannel 1: Yep.\n\nChannel 0: look for\n\nChannel 1: Not\n\nChannel 0: it\n\nChannel 1: not a second.\n\nChannel 0: because the e does take a little bit obviously, good security. Sometimes it's a little bit frustrating because it does take a while.\n\nChannel 1: Yeah. Not that's okay.\n\nChannel 0: So let me\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: still\n\nChannel 0: a look\n\nChannel 1: use\n\nChannel 0: here.\n\nChannel 1: your petition.\n\nChannel 0: Alright.\n\nChannel 1: I can't\n\nChannel 0: So\n\nChannel 1: even\n\nChannel 0: I\n\nChannel 1: find the email in here now. My\n\nChannel 0: no.\n\nChannel 1: wife\n\nChannel 0: That's\n\nChannel 1: goes\n\nChannel 0: okay.\n\nChannel 1: through all my emails and just deletes everything.\n\nChannel 0: No. That's okay. I just got into the portal anyway. So let me have a look here. So I can see here at the moment I see your total premium's about 2,522.\n\nNow let\n\nChannel 1: Yep.\n\nChannel 0: me see what the actual breakdown of the policy is that you have in place at the moment. You have life and total permanent disability. That is $736,243 of both of them. I can see here as well a income\n\nChannel 1: Yep.\n\nChannel 0: protection. So\n\nChannel 1: Okay.\n\nChannel 0: on\n\nChannel 1: Cool.\n\nChannel 0: the portal,\n\nChannel 1: No. That\n\nChannel 0: yeah, it's definitely an income protection. I'll get the team to just call and follow-up if there's if there was anything, but on the portal right now, it is active.\n\nChannel 1: Okay. No. That's that's that's cool. I just wanted to bring it\n\nChannel 0: Yeah.\n\nChannel 1: up because I wasn't sure if it's if you did just go in with, like, a different a different insurer or something like that. So that's fine.\n\nChannel 0: Yeah. But good good to check, though. If you ever get an email like that, just let us know. We also\n\nChannel 1: Yep.\n\nChannel 0: do get notified if there's any changes. Like, it's more so if you had anything that you paid for out of pocket and you changed bank account and didn't tell us, and then they kinda, you know, make a a payment, it's\n\nChannel 1: Yeah.\n\nChannel 0: more that. Otherwise, we will never go and change your insurances without you\n\nChannel 1: Okay.\n\nChannel 0: agreeing to it.\n\nChannel 1: Yep.\n\nChannel 0: It is good to check, though, if you ever get something out of the norm, but, no, on the portal, you definitely have your income protection still in place.\n\nChannel 1: Okay. Cool. Perfect.\n\nChannel 0: Yep. Perfect. And you're still happy with those amounts and everything like that? You don't wanna make any changes? That's all?\n\nChannel 1: No. No. That that's that's\n\nChannel 0: Nope.\n\nChannel 1: all fine. That should help\n\nChannel 0: Yep.\n\nChannel 1: me for everything.\n\nChannel 0: Yeah. Okay. Perfect. Now let me see if there's anything else I needed to confirm here with you. Now you did say that you are self employed?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yep. Is it set up as a business?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So you pay yourself that 12% contributions as well?\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Yep. Yep. Perfect. Now income, I have at $1.90.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Yeah. Okay. Perfect. Just because when I do the research on your super and investments, I'll do kind of an updated projection for you as well for a couple of years, and, obviously, contributions going into super makes a difference. So I\n\nChannel 1: Yep.\n\nChannel 0: just wanted to just to check those information. Now let me check if there's anything else I need here for you. Has anything changed with you otherwise since last time you had a catch up with us? Any of your personal details,\n\nChannel 1: No.\n\nChannel 0: assets?\n\nChannel 1: Not nothing's nothing's\n\nChannel 0: No.\n\nChannel 1: changed. No. Not all the same assets and everything.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: So just your property and an investment property?\n\nChannel 1: yep. That's right.\n\nChannel 0: Yep. At no motor vehicle, so is that all through the business?\n\nChannel 1: Yeah. It's all through work. So yep.\n\nChannel 0: Yep. Yep. Perfect. Now I don't actually have a next of kin on file for you.\n\nChannel 1: Okay.\n\nChannel 0: Who would you like to nominate, and that can be anybody?\n\nChannel 1: Yeah. So that's, Talicia Short, so t e l I c I a,\n\nChannel 0: Yep.\n\nChannel 1: Short, s\n\nChannel 0: Perfect.\n\nChannel 1: h o r t.\n\nChannel 0: Yep. And contact number?\n\nChannel 1: Yep. Contact is 0421\n\nChannel 0: Two one.\n\nChannel 1: 2\n\nChannel 0: Yep.\n\nChannel 1: 1. 442\n\nChannel 0: Four four two. Yep.\n\nChannel 1: 980.\n\nChannel 0: 980. Perfect. And is that your wife?\n\nChannel 1: Yes. That's my wife.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And do you guys have any financial dependents?\n\nChannel 1: Yes. We've got one daughter, six month old\n\nChannel 0: Yes.\n\nChannel 1: daughter.\n\nChannel 0: Oh, well, congratulations.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Bit of bit of a change.\n\nChannel 1: Massive change. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: well, that's great. Perfect. I'll update that. Otherwise, no changes to health and lifestyle or anything like that. Still non\n\nChannel 1: No.\n\nChannel 0: smoker.\n\nChannel 1: Not at not at all.\n\nChannel 0: No.\n\nChannel 1: But just with\n\nChannel 0: No.\n\nChannel 1: with Talisha, can we get her\n\nChannel 0: Yeah.\n\nChannel 1: put on my super as, like, the if anything was to happen with my life insurance or anything like that, that she was the beneficiary of it? She want\n\nChannel 0: Yes.\n\nChannel 1: d h? Yes.\n\nChannel 0: Let me have a quick look on the account there for you, what we have. But, yes, definitely. Now because it is a legal nomination on the forms, it has to be wet signed and witnessed.\n\nChannel 1: Okay.\n\nChannel 0: Now do you have access to a printer, or do you prefer post?\n\nChannel 1: Yeah. No. I've I've got an office, so I can print print whatever off and get it signed and witnessed, whatever.\n\nChannel 0: Yep. Perfect. Because I do have here at the moment Samantha listed at\n\nChannel 1: Yep.\n\nChannel 0: a 100\n\nChannel 1: So\n\nChannel 0: percent.\n\nChannel 1: that yeah. That's my sister. But\n\nChannel 0: Yep.\n\nChannel 1: we'll just we'll take her off it, and then we'll put my wife on her.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: That was done that was done years and years and years ago. So\n\nChannel 0: Yeah. And it is I'm actually very glad you asked about that as well because it says interdependent relationship. That one is a bit of a gray one because if it is a family member that's not your spouse or your child, there\n\nChannel 1: Yep.\n\nChannel 0: are quite rich tight restrictions on who you can actually nominate directly for a super. And unless\n\nChannel 1: Okay.\n\nChannel 0: you are in a financial, like, you are relying on each other financially or you are provide like, you live together and you're providing her with support, it doesn't actually fall into that category. So I'm very glad you you mentioned it. So we definitely wanna get that sorted to your wife. And you're still happy with that non lapse in binding nomination\n\nChannel 1: Okay.\n\nChannel 0: option?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Do you yeah. Perfect. Great. Now I will get that I'll get the team to email that to you to make it easier so we can get that sorted quicker. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: if\n\nChannel 1: Awesome.\n\nChannel 0: something ever were to happen to you, and I'll make sure we do it for both your super and your insurances as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, otherwise, that was kind of everything I needed to cross off on my end. So it will take a couple of weeks for me to get all this research together.\n\nChannel 1: Perfect.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: as soon as I do, I'll give you a call. I'll run through the recommendation, and then you can obviously let me know if you're happy with it, then we can go and make those changes for you.\n\nChannel 1: Yep.\n\nChannel 0: But do you\n\nChannel 1: Awesome.\n\nChannel 0: have any other questions or need anything else from me while you do have me on the\n\nChannel 1: Nah.\n\nChannel 0: phone?\n\nChannel 1: Every everything else is very straightforward.\n\nChannel 0: Yep. Alright. Perfect. Well,\n\nChannel 1: Yep.\n\nChannel 0: I will let you go and enjoy the rest of your afternoon.\n\nChannel 1: No worries.\n\nChannel 0: If you need anything in the meantime, let me know. But, otherwise, I'll be in touch soon.\n\nChannel 1: Yep. Too easy. Will\n\nChannel 0: Yep.\n\nChannel 1: do.\n\nChannel 0: Perfect. Well,\n\nChannel 1: Alright.\n\nChannel 0: thank you so much,\n\nChannel 1: I'll\n\nChannel 0: Thomas.\n\nChannel 1: call you all then. No worries. Thank you so much.\n\nChannel 0: Mhmm. Thanks. Bye.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.03936643898487091}],"sentiment":"neutral","sentiment_score":0.03936643898487091,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.2032468020915985},{"text":"Is this Thomas?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.09272021800279617}],"sentiment":"neutral","sentiment_score":0.1369308516383171,"channel":0,"num_words":5,"start":1.8399999,"end":3.3},{"sentences":[{"text":"Yeah.","start":3.6799998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.06016899272799492},{"text":"I did.","start":3.9199998,"end":4.24,"sentiment":"neutral","sentiment_score":0.07539061829447746},{"text":"I still forgot.","start":4.24,"end":4.98,"sentiment":"neutral","sentiment_score":0.03424522653222084}],"sentiment":"neutral","sentiment_score":0.052280984818935394,"channel":1,"num_words":6,"start":3.6799998,"end":4.98},{"sentences":[{"text":"This is Veronica from OQ Financial.","start":5.2799997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.07510589684049289},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.08089107275009155}],"sentiment":"neutral","sentiment_score":0.0770342888103591,"channel":0,"num_words":9,"start":5.2799997,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.1226099580526352},{"text":"Good, Veronica.","start":8.48,"end":9.2,"sentiment":"neutral","sentiment_score":0.28999609500169754},{"text":"Yourself?","start":9.2,"end":9.7,"sentiment":"neutral","sentiment_score":0.20248565077781677}],"sentiment":"neutral","sentiment_score":0.22627194970846176,"channel":1,"num_words":4,"start":8.16,"end":9.7},{"sentences":[{"text":"Yeah.","start":10.0,"end":10.32,"sentiment":"neutral","sentiment_score":0.28205934166908264},{"text":"I'm good.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.5265601575374603},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.709426999092102}],"sentiment":"positive","sentiment_score":0.5111516639590263,"channel":0,"num_words":4,"start":10.0,"end":11.3},{"sentences":[{"text":"I'm good.","start":11.679999,"end":12.34,"sentiment":"positive","sentiment_score":0.5957808792591095}],"sentiment":"positive","sentiment_score":0.5957808792591095,"channel":1,"num_words":2,"start":11.679999,"end":12.34},{"sentences":[{"text":"I had you booked in for a little bit of a catch up.","start":12.16,"end":14.4,"sentiment":"neutral","sentiment_score":0.30286609209500825},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"neutral","sentiment_score":0.2537474762648344}],"sentiment":"neutral","sentiment_score":0.2841542384454182,"channel":0,"num_words":21,"start":12.16,"end":15.975},{"sentences":[{"text":"Yeah.","start":15.935,"end":16.335001,"sentiment":"neutral","sentiment_score":0.15392658114433289},{"text":"Absolutely.","start":16.335001,"end":16.815,"sentiment":"neutral","sentiment_score":0.22544902563095093},{"text":"Yep.","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.13457052409648895}],"sentiment":"neutral","sentiment_score":0.1713153769572576,"channel":1,"num_words":3,"start":15.935,"end":17.315},{"sentences":[{"text":"Yeah.","start":17.255001,"end":17.735,"sentiment":"neutral","sentiment_score":0.2163009941577911},{"text":"Perfect.","start":17.735,"end":18.235,"sentiment":"neutral","sentiment_score":0.31815385818481445},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.535,"end":25.994999,"sentiment":"neutral","sentiment_score":0.05220367464012113}],"sentiment":"neutral","sentiment_score":0.06607617473890705,"channel":0,"num_words":31,"start":17.255001,"end":25.994999},{"sentences":[{"text":"Yeah.","start":26.095001,"end":26.335,"sentiment":"neutral","sentiment_score":0.10362844169139862},{"text":"That's fine.","start":26.335,"end":26.94,"sentiment":"neutral","sentiment_score":0.14451881498098373}],"sentiment":"neutral","sentiment_score":0.13088869055112204,"channel":1,"num_words":3,"start":26.095001,"end":26.94},{"sentences":[{"text":"Yeah.","start":27.175,"end":27.575,"sentiment":"neutral","sentiment_score":0.15135584771633148},{"text":"Perfect.","start":27.575,"end":27.975,"sentiment":"neutral","sentiment_score":0.1994713544845581},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":27.975,"end":34.2,"sentiment":"neutral","sentiment_score":0.057938029523938894}],"sentiment":"neutral","sentiment_score":0.06697461195290089,"channel":0,"num_words":26,"start":27.175,"end":34.2},{"sentences":[{"text":"Yep.","start":34.14,"end":34.46,"sentiment":"neutral","sentiment_score":0.01730373129248619},{"text":"Thomas Trevor Draper.","start":34.46,"end":35.760002,"sentiment":"neutral","sentiment_score":0.01406422940393289},{"text":"Date of birth, 03/03/1992, and","start":36.14,"end":38.7,"sentiment":"neutral","sentiment_score":0.018530192971229553}],"sentiment":"neutral","sentiment_score":0.01690526492893696,"channel":1,"num_words":9,"start":34.14,"end":38.7},{"sentences":[{"text":"Yep.","start":38.5,"end":39.0,"sentiment":"neutral","sentiment_score":0.02054857462644577}],"sentiment":"neutral","sentiment_score":0.02054857462644577,"channel":0,"num_words":1,"start":38.5,"end":39.0},{"sentences":[{"text":"address, 23 Eagle Circuit, Campbell.","start":38.7,"end":40.72,"sentiment":"neutral","sentiment_score":0.02825492024421692}],"sentiment":"neutral","sentiment_score":0.02825492024421692,"channel":1,"num_words":5,"start":38.7,"end":40.72},{"sentences":[{"text":"Yep.","start":41.3,"end":41.7,"sentiment":"neutral","sentiment_score":0.08947371691465378},{"text":"Perfect.","start":41.7,"end":42.18,"sentiment":"neutral","sentiment_score":0.2868530750274658},{"text":"Exactly what I have here.","start":42.18,"end":43.54,"sentiment":"neutral","sentiment_score":0.25214824080467224},{"text":"And how's your day been so far?","start":43.54,"end":44.98,"sentiment":"neutral","sentiment_score":0.0978118862424578},{"text":"Been busy?","start":44.98,"end":45.64,"sentiment":"neutral","sentiment_score":-0.032133177388459444}],"sentiment":"neutral","sentiment_score":0.1410928028053604,"channel":0,"num_words":16,"start":41.3,"end":45.64},{"sentences":[{"text":"Yeah.","start":46.715,"end":47.215,"sentiment":"neutral","sentiment_score":-0.02328767441213131},{"text":"Busy.","start":47.355,"end":47.675,"sentiment":"neutral","sentiment_score":-0.07378578186035156},{"text":"I run my own business, so I've never done that.","start":47.675,"end":50.095,"sentiment":"neutral","sentiment_score":-0.07399276196956635}],"sentiment":"neutral","sentiment_score":-0.0697500896640122,"channel":1,"num_words":12,"start":46.715,"end":50.095},{"sentences":[{"text":"Sorry?","start":49.785,"end":50.285,"sentiment":"neutral","sentiment_score":-0.05859975889325142},{"text":"I'm always busy.","start":50.745,"end":51.805,"sentiment":"neutral","sentiment_score":-0.09164460996786754},{"text":"Well, I will try not to keep you for too long.","start":51.945,"end":54.845,"sentiment":"neutral","sentiment_score":-0.03957605615935542},{"text":"I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those.","start":55.385,"end":63.159996,"sentiment":"neutral","sentiment_score":0.038291381175319356},{"text":"Is that right?","start":63.159996,"end":63.98,"sentiment":"neutral","sentiment_score":0.05379260207215945}],"sentiment":"neutral","sentiment_score":0.011276021560964486,"channel":0,"num_words":48,"start":49.785,"end":63.98},{"sentences":[{"text":"Yep.","start":63.489998,"end":63.989998,"sentiment":"neutral","sentiment_score":0.031487345695495605},{"text":"Yeah.","start":64.049995,"end":64.29,"sentiment":"neutral","sentiment_score":0.04264923557639122},{"text":"Yeah.","start":64.29,"end":64.61,"sentiment":"neutral","sentiment_score":0.06712397933006287},{"text":"Absolutely.","start":64.61,"end":65.09,"sentiment":"neutral","sentiment_score":0.1067720502614975},{"text":"Yep.","start":65.09,"end":65.59,"sentiment":"neutral","sentiment_score":0.07372438907623291}],"sentiment":"neutral","sentiment_score":0.06435139998793601,"channel":1,"num_words":5,"start":63.489998,"end":65.59},{"sentences":[{"text":"Yeah.","start":65.159996,"end":65.56,"sentiment":"neutral","sentiment_score":0.08460114151239395},{"text":"Yeah.","start":65.56,"end":65.96,"sentiment":"neutral","sentiment_score":0.11939557641744614},{"text":"Perfect.","start":65.96,"end":66.46,"sentiment":"neutral","sentiment_score":0.18273204565048215},{"text":"Now 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you so much,","start":1122.183,"end":1122.903,"sentiment":"positive","sentiment_score":0.7120424211025238}],"sentiment":"positive","sentiment_score":0.7120424211025238,"channel":0,"num_words":4,"start":1122.183,"end":1122.903},{"sentences":[{"text":"I'll","start":1122.8729,"end":1123.033,"sentiment":"positive","sentiment_score":0.5470466613769531}],"sentiment":"positive","sentiment_score":0.5470466613769531,"channel":1,"num_words":1,"start":1122.8729,"end":1123.033},{"sentences":[{"text":"Thomas.","start":1122.903,"end":1123.403,"sentiment":"positive","sentiment_score":0.3927448391914368}],"sentiment":"positive","sentiment_score":0.3927448391914368,"channel":0,"num_words":1,"start":1122.903,"end":1123.403},{"sentences":[{"text":"call you all then.","start":1123.033,"end":1123.673,"sentiment":"neutral","sentiment_score":0.3080001026391983},{"text":"No worries.","start":1123.673,"end":1124.153,"sentiment":"neutral","sentiment_score":0.2392190396785736},{"text":"Thank you so much.","start":1124.153,"end":1125.053,"sentiment":"positive","sentiment_score":0.6792452186346054}],"sentiment":"positive","sentiment_score":0.4427419364452362,"channel":1,"num_words":10,"start":1123.033,"end":1125.053},{"sentences":[{"text":"Mhmm.","start":1124.7429,"end":1125.2429,"sentiment":"neutral","sentiment_score":0.21071061491966248},{"text":"Thanks.","start":1125.463,"end":1125.943,"sentiment":"positive","sentiment_score":0.5621716976165771},{"text":"Bye.","start":1125.943,"end":1126.443,"sentiment":"positive","sentiment_score":0.3781157433986664}],"sentiment":"positive","sentiment_score":0.3836660186449687,"channel":0,"num_words":3,"start":1124.7429,"end":1126.443},{"sentences":[{"text":"Cheers.","start":1126.393,"end":1126.713,"sentiment":"positive","sentiment_score":0.5603594183921814},{"text":"Bye.","start":1126.713,"end":1127.213,"sentiment":"neutral","sentiment_score":-0.10506483167409895}],"sentiment":"neutral","sentiment_score":0.22764729335904121,"channel":1,"num_words":2,"start":1126.393,"end":1127.213}]},"summary":{"result":"success","short":"Representatives from OQ Financial and a new fund manager discuss the performance of Thomas' investment in the Benelon Australian Equity Fund. The speakers emphasize the benefits of managing the fund and maximizing growth for the customer. They also discuss compliance procedures and risk profiles, including income protection policies and updating personal details and insurance details. The agents will email the customer with recommendations and personal updates and check their financial dependents."},"intents":{"segments":[{"text":"Now is your super something you keep an eye on a lot? Are you quite, like, across?","start_word":214,"end_word":230,"intents":[{"intent":"Check portfolio status","confidence_score":0.034197953}]},{"text":"is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund. Have you ever Okay.","start_word":341,"end_word":366,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.47806814}]},{"text":"But kind of aside from that, they're kind of been a bit more stagnant with the approach lately. So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're Yeah.","start_word":772,"end_word":844,"intents":[{"intent":"Switch investment portfolio","confidence_score":0.00021444773}]},{"text":"basically manage my funds.","start_word":875,"end_word":878,"intents":[{"intent":"Manage funds","confidence_score":0.008128987}]},{"text":"So, yeah, I'll I'll just leave that with you guys. Yep.","start_word":916,"end_word":926,"intents":[{"intent":"Leave investment portfolio","confidence_score":0.030106325}]},{"text":"Have you recently read our newsletter at all?","start_word":947,"end_word":954,"intents":[{"intent":"Check newsletter","confidence_score":0.60375005}]},{"text":"So we've recently kind of joined up with BlackRock, which you may have heard of. They are one of the biggest fund managers out there. Yep.","start_word":960,"end_word":985,"intents":[{"intent":"Join with blackrock","confidence_score":0.18688257}]},{"text":"Have you have you heard of them? Yes. I have.","start_word":986,"end_word":995,"intents":[{"intent":"Confirm identity","confidence_score":0.00022328968}]},{"text":"So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that.","start_word":1058,"end_word":1082,"intents":[{"intent":"Log into dashboard","confidence_score":0.0005809166}]},{"text":"if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it. You would Yep.","start_word":1086,"end_word":1151,"intents":[{"intent":"Make a change","confidence_score":0.1326997}]},{"text":"that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that. Yep.","start_word":1168,"end_word":1192,"intents":[{"intent":"Apply research and advisory","confidence_score":0.00025334104}]},{"text":"would be, for example, invested in just one option. Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it, Yep.","start_word":1235,"end_word":1303,"intents":[{"intent":"Change investment structure","confidence_score":0.074412145}]},{"text":"obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee. Yep.","start_word":1409,"end_word":1428,"intents":[{"intent":"Apply blackrock's expertise","confidence_score":0.02406483}]},{"text":"that you So essentially were open you to? so essentially you guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything. Is that Correct.","start_word":1442,"end_word":1477,"intents":[{"intent":"Transfer funds","confidence_score":0.0008367119}]},{"text":"And, obviously, we have to put your interest above everything. That's the ultimate the ultimate Yep. thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super. And, obviously, the goal is to maximize that growth for you. But then in Yep.","start_word":1591,"end_word":1645,"intents":[{"intent":"Discuss balance between goals and objectives","confidence_score":0.000004030629}]},{"text":"do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile. So at the moment, we have you invested in a high growth portfolio. Yep.","start_word":1947,"end_word":1982,"intents":[{"intent":"Identify investment needs","confidence_score":0.0021811246}]},{"text":"So I did have an income protection policy through through Yep. my super. Yep. I got a letter from them the other day asking basically saying that the that it wasn't current. So I just wanted to know, have I still got an income protection through them, or has it gone through someone else?","start_word":2221,"end_word":2274,"intents":[{"intent":"Check income coverage policy","confidence_score":0.0056108627},{"intent":"Check insurance coverage","confidence_score":0.0022251627}]},{"text":"Normally, if there are any changes, we would also get notified. Let me see if I can look in here. When did you get that notification?","start_word":2293,"end_word":2318,"intents":[{"intent":"Get notification about policy changes","confidence_score":0.000019213125}]},{"text":"Let me have a look. See if I can find the email. Yeah.","start_word":2327,"end_word":2339,"intents":[{"intent":"Find email","confidence_score":0.7039038},{"intent":"Find email","confidence_score":0.31060687},{"intent":"Find email","confidence_score":0.13281544}]},{"text":"So I'll I'll do that in the back end while you Yep.","start_word":2402,"end_word":2413,"intents":[{"intent":"Look in backend","confidence_score":0.0001498863}]},{"text":"So I can see here at the moment I see your total premium's about 2,522. Now let Yep.","start_word":2503,"end_word":2520,"intents":[{"intent":"See total premium","confidence_score":0.051269177}]},{"text":"me see what the actual breakdown of the policy is that you have in place at the moment. You have life and total permanent disability. That is $736,243 of both of them.","start_word":2521,"end_word":2552,"intents":[{"intent":"Check policy breakdown","confidence_score":0.039681442},{"intent":"Confirm policy details","confidence_score":0.047534812}]},{"text":"are quite rich tight restrictions on who you can actually nominate directly for a super. And unless Okay.","start_word":3348,"end_word":3365,"intents":[{"intent":"Manage nominations","confidence_score":0.008342907}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Thomas? Yeah. I did. I still forgot. This is Veronica from OQ Financial. How are you? Yeah. Good, Veronica. Yourself? Yeah.","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.12244357168674468},{"text":"I'm good. Thanks. I'm good.","start_word":26,"end_word":30,"sentiment":"positive","sentiment_score":0.5822733640670776},{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah. Absolutely. Yep. Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yep. Thomas Trevor Draper. Date of birth, 03/03/1992, and Yep. address, 23 Eagle Circuit, Campbell. Yep. Perfect. Exactly what I have here. And how's your day been so far? Been busy? Yeah. Busy. I run my own business, so I've never done that. Sorry? I'm always busy. Well, I will try not to keep you for too long. I essentially had you booked in just to kind of talk a bit more about your investments in your super and see if we wanna review a couple of those. Is that right? Yep. Yeah. Yeah. Absolutely. Yep. Yeah. Yeah. Perfect. Now is your super something you keep an eye on a lot? Are you quite, like, across? Not not not overly. Like, I might check it maybe once once every three, four months. Like, it's only briefly, like k. I Mhmm. mean, Yep. it's it's sitting there. It's obviously gaining a bit of traction, so I'm not too concerned with it. Yep. Perfect. And so, yeah, essentially, with with your investment, obviously, following on from your annual review and stuff like that, there's obviously been a lot of changes in the market and what's going around in the world. Yep.","start_word":31,"end_word":313,"sentiment":"neutral","sentiment_score":0.07465492188930511},{"text":"Overall, the structure of the portfolio is really good, and, overall, a lot of the investments are doing what we want them to do.","start_word":314,"end_word":337,"sentiment":"positive","sentiment_score":0.46814313530921936},{"text":"But there Yep. is one particular investment that has kind of underperformed a little bit through our expectations, which is the Benelon Australian Equity Fund. Have you ever Okay. heard much about that one? No. I haven't. No. No. So, essentially, the that one is a managed fund, and that was originally added to your portfolio at that time because it was doing really well. The purpose of that investment in how that one is that one specific is different to the other one is that because it's a managed fund, they tend to cost a little bit more Yep. because the Yep. purpose of it is to have that active management. So Okay. what they do is they kind of actively buys and sells different investments Yep. with the goal to try to outperform the market, Okay. which is a bit different through your other investments, which are more your ETFs, exchange traded funds, where the purpose is just to track an index, basically track the market in a way. Yes. So for example, one of the biggest shareholders for you is the iShares S and P five hundred, and that is often the staple in our portfolio because that one tracks the 500 largest listed companies in The US. Okay. So, obviously, very diversified into the one investment. And if there is one company that doesn't do as well or that's kind of smaller, it falls off and another one comes in. So it Yep. kind of Yep. just tracks an index. So they tend to be a little bit cheaper in that way because you don't have as much, you know, research and stuff like that involved in through, you know, doing the active management of the portfolio, if that makes Yep. sense. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah.","start_word":338,"end_word":639,"sentiment":"neutral","sentiment_score":0.03908046334981918},{"text":"Perfect. So with the vanilla vanilla, like I said, historically, they have done really, really well, and they were the top performing manager for for quite some time.","start_word":640,"end_word":667,"sentiment":"positive","sentiment_score":0.3690066337585449},{"text":"Recently, Yep. they have kind of underperformed a little bit, and one of the the biggest contributors to it is that not them per se, but one of their investments that they had in their portfolio was the corporate travel group. They had I a bit can. of a bit of issues with their reporting, but they didn't really report things correctly, which caused everything to drop, which is Okay.","start_word":668,"end_word":737,"sentiment":"neutral","sentiment_score":-0.006431300299508231},{"text":"why that one has taken a bit of a hit.","start_word":738,"end_word":747,"sentiment":"negative","sentiment_score":-0.486250638961792},{"text":"So it's not like the the fundamental of Benelon. It was one of the investments that they kind of had in their portfolio. Yep. But kind of aside from that, they're kind of been a bit more stagnant with the approach lately. So if you are happy for me to do so, I would like to do some research in trying to swap that one out for something that's doing a little bit better and that we have a bit more, I guess, confidence in is going to do a bit better moving forward if you're Yeah.","start_word":748,"end_word":844,"sentiment":"neutral","sentiment_score":-0.010772925801575184},{"text":"happy Yeah. That's for me to that's do that. that's that's fine.","start_word":845,"end_word":856,"sentiment":"positive","sentiment_score":0.36844906210899353},{"text":"I mean, you guys are the Yeah. professionals. That's why I'll pay you obviously through to to Yeah. basically manage my funds. So, I mean, you just Yep. do what you think is in, obviously, my best interest and your best interest because at the end of the day, you guys are making money on me with my investments. So, yeah, I'll I'll just leave that with you guys. Yep. Okay.","start_word":857,"end_word":927,"sentiment":"neutral","sentiment_score":0.19553382694721225},{"text":"Perfect.","start_word":928,"end_word":928,"sentiment":"positive","sentiment_score":0.4180179238319397},{"text":"So I'll go and do that reset for you. Now I do wanna also check something with you. Have you recently read our newsletter at all? No. I haven't. No. No. So we've recently kind of joined up with BlackRock, which you may have heard of. They are one of the biggest fund managers out there. Yep. Have you have you heard of them? Yes. I have. Yep. Yeah. So we've actually recently joined up with them and created our own SMA. Have Okay. you ever heard of an SMA before? No. I haven't. No. No. No. So the SMA is a little bit different. It is a self managed account. Now Okay. it is a bit different. So what you currently have is more like your model portfolio. So when you log in to Hub 24, you will see each and every single one of your investments, exact allocation, and stuff like that. Now Yep. if we want to go and make a change, so in this instance, Webinar one is underperforming, and I would like to go and do that change for you, I will have to go and, obviously, do the research and everything and put everything together in a statement of advice or a compliance purposes, but also that you are fully aware of it. You would Yep. then have to, you know, agree to the change, and we can then move ahead. Obviously, Yep. that process does take a little bit because there are a lot of, you know, compliance and research involved in order to do that. Yep. The estimate is a bit different in that you would be invested in one product. So it might just be called something. So you don't see, you know, each and every single one of the investments like you currently do. You Yes. would be, for example, invested in just one option. Now within that option, it's still a similar structure to what you currently have, but what it allows us to do is we can easily swap and change investments quickly without having to go through kind of the research process, or most of presented to you from a compliance partner for you to agree and sign off on it, Yep. because you are just invested in that product per se, if that makes sense.","start_word":929,"end_word":1317,"sentiment":"neutral","sentiment_score":0.07199160208815474},{"text":"Yeah. It does. Yep. Yeah. So it it means that we can quite quickly, based on market trends and what's going on, make those decision and make the changes very quickly.","start_word":1318,"end_word":1348,"sentiment":"positive","sentiment_score":0.4765372276306152},{"text":"You still get notified of what the changes are, but we don't have to go through kind of that long term compliance document. If you still go into Hub twenty '4, you can still see the individual investment, but Yep. they can, you know, change potentially a bit more frequently Yep.","start_word":1349,"end_word":1399,"sentiment":"neutral","sentiment_score":0.27508077025413513},{"text":"because it allows us to do that.","start_word":1400,"end_word":1406,"sentiment":"positive","sentiment_score":0.3500422239303589},{"text":"And, Yep. obviously, taking advantage of, obviously, BlackRock's expertise as long you know, as well as our in house investment committee. Yep. You know, we kind of just combine forces. Is Yep. that something Sorry. that you So essentially were open you to? so essentially you guys can just transfer into shares that you think are performing the best without basically me having to sign off on anything. Is that Correct. what what you're getting at? Yeah. Correct. Yeah. Is that something that you are still comfortable with? Obviously, the the same rules and legislation and best interest that all Yeah. stays Look. in I place. I I've got I've got no calls with that either because, I Okay.","start_word":1407,"end_word":1525,"sentiment":"neutral","sentiment_score":0.12739893293180385},{"text":"mean, like I said before, I'm happy for you guys to basically just manage manage my fund because at the end of Yep. the day, like, you're getting a percentage on whatever my my super is. So, I mean, it's in your best interest to make me as much money as possible, so I'm fine Exactly.","start_word":1526,"end_word":1581,"sentiment":"positive","sentiment_score":0.3842318058013916},{"text":"with that. It it does go hand in hand. And, obviously, we have to put your interest above everything.","start_word":1582,"end_word":1600,"sentiment":"neutral","sentiment_score":0.3126606345176697},{"text":"That's the ultimate the ultimate Yep.","start_word":1601,"end_word":1606,"sentiment":"positive","sentiment_score":0.4356062114238739},{"text":"thing, but it does go hand in hand exactly like you said with the fee structure that it is a percentage of your super.","start_word":1607,"end_word":1630,"sentiment":"neutral","sentiment_score":0.3046512007713318},{"text":"And, obviously, the goal is to maximize that growth for you.","start_word":1631,"end_word":1641,"sentiment":"positive","sentiment_score":0.42845484614372253},{"text":"But then in Yep. Yep. turn, by doing it, that would obviously exactly, like you said, you know, give us more money. So exactly like like you said, it is that kind of, you know, benefit relationship both ways. Yeah.","start_word":1642,"end_word":1681,"sentiment":"neutral","sentiment_score":0.2535519599914551},{"text":"Absolutely.","start_word":1682,"end_word":1682,"sentiment":"positive","sentiment_score":0.3347080945968628},{"text":"So if you are happy with that kind of structure, I will research both.","start_word":1683,"end_word":1696,"sentiment":"neutral","sentiment_score":0.28895097970962524},{"text":"Some people think it's great because they don't have to be like, yep. Cool.","start_word":1697,"end_word":1710,"sentiment":"positive","sentiment_score":0.42828118801116943},{"text":"That just means you can make quicker adjustments, whereas other people are like, no.","start_word":1711,"end_word":1724,"sentiment":"neutral","sentiment_score":0.3113129734992981},{"text":"I want full visibility of everything.","start_word":1725,"end_word":1730,"sentiment":"positive","sentiment_score":0.3570071756839752},{"text":"So I Yep. do like to just check. And if you're Yeah. happy with it, I will research both. No. Honestly, like, I'm fine with you Yep. guys just making the decisions Okay. for me. So if if if there's anything I need to sign off to say that I'm fine with that, like, just flick it through Yep. and I'll get it signed on DocuSign or whatever. Yep.","start_word":1731,"end_word":1799,"sentiment":"neutral","sentiment_score":0.10627415031194688},{"text":"Perfect.","start_word":1800,"end_word":1800,"sentiment":"positive","sentiment_score":0.487549364566803},{"text":"So because you are still in that current model, I will have to do one more SOA for you anyway for Yep. all the research, go through it with you. And Yes. then from that, if if it, you know, turns out that the estimate is the best for you and we go ahead with that change, it will mean that it will limit, especially when it comes to the investments moving forward. So I'll definitely focus on the estimate and, obviously, make sure these in your best interest to do the switch, factoring Yep. in, obviously, capital gains tax and what your current investments have done which ones we're changing over. So I'll put all of that in a in a document for you and go through it with you, and Yep.","start_word":1801,"end_word":1933,"sentiment":"neutral","sentiment_score":0.024839828067452163},{"text":"then Awesome. we can obviously take, take it from there.","start_word":1934,"end_word":1943,"sentiment":"positive","sentiment_score":0.4746602773666382},{"text":"Now I Yep. do wanna also check that we have a lot of different portfolios within the SMA, and it's based on your risk profile. So at the moment, we have you invested in a high growth portfolio. Yep. Kind of remember what that is. Yeah. I do. Yeah. Yeah. Yeah. So, Okay. ideally, I wanna be in a high high growth profile for the probably the next ten years from what I remember, and then we sort of wanna turn it back a bit after Yeah. Perfect. You do, at the that. moment, have plenty of time until retirement. Yep. With your home legislation, you can't access super until 60, but you do have plenty By the of time time by to the do. time I retire, I probably won't be able to access it until I'm 80. Who who knows, honestly, Yeah. the way Yeah. things are going? You have time. So most definitely, if you are comfortable seeing a bit of short term fluctuations to kinda get that long term growth, then high growth from a time frame point of view is definitely suitable as long as you are comfortable seeing, you know, a bit of those fluctuations in the short term. Yeah. Yeah. That's that's Yep. fine.","start_word":1944,"end_word":2154,"sentiment":"neutral","sentiment_score":0.04975447431206703},{"text":"I'm totally fine Yep. with that.","start_word":2155,"end_word":2160,"sentiment":"positive","sentiment_score":0.35311827063560486},{"text":"Yeah. Alright.","start_word":2161,"end_word":2162,"sentiment":"neutral","sentiment_score":0.26676273345947266},{"text":"Perfect.","start_word":2163,"end_word":2163,"sentiment":"positive","sentiment_score":0.4106369018554687},{"text":"So I'll have a look at that high growth portfolio for you. Now while I do research your investments and your superannuation, is there anything else that you need? You're still happy with your, Yeah. So you know, just insurances? just one thing I want just just one thing I wanted to bring up with you guys. So I did have an income protection policy through through Yep. my super. Yep. I got a letter from them the other day asking basically saying that the that it wasn't current. So I just wanted to know, have I still got an income protection through them, or has it gone through someone else? Let me have a look. I'll log in to Tile directly and have a little look for you. Normally, if there are any changes, we would also get notified. Let me see if I can look in here. When did you get that notification? Just before Christmas, I think it was. Okay. Let me have a look. See if I can find the email. Yeah. I'll I'll try to look in here. It's a bit of a they have a bit of a intense security to get in, so just bear Yep. with me. I have to do a lot of different cards, and then, you know, when you get things sent to your phone number, and then you have to have to do it that way. So I'll I'll do that in the back end while you Yep. look for Not it not a second. because the e does take a little bit obviously, good security.","start_word":2164,"end_word":2431,"sentiment":"neutral","sentiment_score":0.03287693243751775},{"text":"Sometimes it's a little bit frustrating because it does take a while.","start_word":2432,"end_word":2443,"sentiment":"negative","sentiment_score":-0.4162949323654175},{"text":"Yeah. Not that's okay. So let me I have still a look use here. your petition. Alright. I can't So even I find the email in here now. My no. wife That's goes okay. through all my emails and just deletes everything. No. That's okay. I just got into the portal anyway. So let me have a look here. So I can see here at the moment I see your total premium's about 2,522. Now let Yep. me see what the actual breakdown of the policy is that you have in place at the moment. You have life and total permanent disability. That is $736,243 of both of them. I can see here as well a income Yep. protection. So Okay. on Cool. the portal, No. That yeah, it's definitely an income protection. I'll get the team to just call and follow-up if there's if there was anything, but on the portal right now, it is active. Okay. No.","start_word":2444,"end_word":2602,"sentiment":"neutral","sentiment_score":0.00072592409011328},{"text":"That's that's that's cool.","start_word":2603,"end_word":2606,"sentiment":"positive","sentiment_score":0.432986319065094},{"text":"I just wanted to bring it Yeah. up because I wasn't sure if it's if you did just go in with, like, a different a different insurer or something like that. So that's fine. Yeah. But good good to check, though. If you ever get an email like that, just let us know. We also Yep. do get notified if there's any changes. Like, it's more so if you had anything that you paid for out of pocket and you changed bank account and didn't tell us, and then they kinda, you know, make a a payment, it's Yeah. more that. Otherwise, we will never go and change your insurances without you Okay. agreeing to it. Yep. It is good to check, though, if you ever get something out of the norm, but, no, on the portal, you definitely have your income protection still in place. Okay.","start_word":2607,"end_word":2753,"sentiment":"neutral","sentiment_score":0.07502639293670654},{"text":"Cool. Perfect.","start_word":2754,"end_word":2755,"sentiment":"positive","sentiment_score":0.3865503668785095},{"text":"Yep.","start_word":2756,"end_word":2756,"sentiment":"neutral","sentiment_score":0.2914813458919525},{"text":"Perfect. And you're still happy with those amounts and everything like that?","start_word":2757,"end_word":2768,"sentiment":"positive","sentiment_score":0.3516407608985901},{"text":"You don't wanna make any changes? That's all? No. No. That that's that's Nope. all fine. That should help Yep. me for everything. Yeah. Okay. Perfect. Now let me see if there's anything else I needed to confirm here with you. Now you did say that you are self employed? Yes. That's correct. Yep. Is it set up as a business? Yeah. Yep. So you pay yourself that 12% contributions as well? Yeah. That's right. Yeah. Yep. Yep. Perfect. Now income, I have at $1.90. Yep. That's correct. Yeah. Okay.","start_word":2769,"end_word":2858,"sentiment":"neutral","sentiment_score":0.07610590755939484},{"text":"Perfect.","start_word":2859,"end_word":2859,"sentiment":"positive","sentiment_score":0.4325367212295532},{"text":"Just because when I do the research on your super and investments, I'll do kind of an updated projection for you as well for a couple of years, and, obviously, contributions going into super makes a difference. So I Yep. just wanted to just to check those information. Now let me check if there's anything else I need here for you. Has anything changed with you otherwise since last time you had a catch up with us? Any of your personal details, No. assets? Not nothing's nothing's No. changed. No. Not all the same assets and everything. Perfect. So So just your property and an investment property? yep. That's right. Yep. At no motor vehicle, so is that all through the business? Yeah. It's all through work. So yep. Yep. Yep. Perfect. Now I don't actually have a next of kin on file for you. Okay. Who would you like to nominate, and that can be anybody? Yeah. So that's, Talicia Short, so t e l I c I a, Yep. Short, s Perfect. h o r t. Yep. And contact number? Yep. Contact is 0421 Two one. 2 Yep. 1. 442 Four four two. Yep. 980. 980. Perfect. And is that your wife? Yes. That's my wife. Yep. Yep. Perfect. And do you guys have any financial dependents? Yes. We've got one daughter, six month old Yes. daughter.","start_word":2860,"end_word":3088,"sentiment":"neutral","sentiment_score":0.0703141982036777},{"text":"Oh, well, congratulations. Yeah. Thank you.","start_word":3089,"end_word":3094,"sentiment":"positive","sentiment_score":0.4621385335922241},{"text":"Bit of bit of a change. Massive change. Yeah. Oh, Yeah.","start_word":3095,"end_word":3105,"sentiment":"neutral","sentiment_score":0.18086715042591095},{"text":"well, that's great. Perfect.","start_word":3106,"end_word":3109,"sentiment":"positive","sentiment_score":0.5358302593231201},{"text":"I'll update that. Otherwise, no changes to health and lifestyle or anything like that. Still non No. smoker. Not at not at all. No. But just with No. with Talisha, can we get her Yeah. put on my super as, like, the if anything was to happen with my life insurance or anything like that, that she was the beneficiary of it? She want Yes. d h? Yes. Let me have a quick look on the account there for you, what we have. But, yes, definitely. Now because it is a legal nomination on the forms, it has to be wet signed and witnessed. Okay. Now do you have access to a printer, or do you prefer post? Yeah. No. I've I've got an office, so I can print print whatever off and get it signed and witnessed, whatever. Yep.","start_word":3110,"end_word":3249,"sentiment":"neutral","sentiment_score":0.013260815159550734},{"text":"Perfect.","start_word":3250,"end_word":3250,"sentiment":"positive","sentiment_score":0.43098586797714233},{"text":"Because I do have here at the moment Samantha listed at Yep. a 100 So percent. that yeah. That's my sister. But Yep. we'll just we'll take her off it, and then we'll put my wife on her. Yeah. Perfect. That was done that was done years and years and years ago. So Yeah.","start_word":3251,"end_word":3304,"sentiment":"neutral","sentiment_score":0.0729716420173645},{"text":"And it is I'm actually very glad you asked about that as well because it says interdependent relationship.","start_word":3305,"end_word":3322,"sentiment":"positive","sentiment_score":0.4475950598716736},{"text":"That one is a bit of a gray one because if it is a family member that's not your spouse or your child, there Yep. are quite rich tight restrictions on who you can actually nominate directly for a super. And unless Okay. you are in a financial, like, you are relying on each other financially or you are provide like, you live together and you're providing her with support, it doesn't actually fall into that category.","start_word":3323,"end_word":3399,"sentiment":"neutral","sentiment_score":-0.020624948665499687},{"text":"So I'm very glad you you mentioned it. So we definitely wanna get that sorted to your wife.","start_word":3400,"end_word":3417,"sentiment":"positive","sentiment_score":0.5979206562042236},{"text":"And you're still happy with that non lapse in binding nomination Okay. option? Yep. Yep. Do you yeah.","start_word":3418,"end_word":3435,"sentiment":"neutral","sentiment_score":0.2399948090314865},{"text":"Perfect. Great. Now I will get that I'll get the team to email that to you to make it easier so we can get that sorted quicker.","start_word":3436,"end_word":3462,"sentiment":"positive","sentiment_score":0.4439588487148285},{"text":"Obviously, Yep. if Awesome. something ever were to happen to you, and I'll make sure we do it for both your super and your insurances as well. Yep. Yep. Perfect. Now, otherwise, that was kind of everything I needed to cross off on my end. So it will take a couple of weeks for me to get all this research together. Perfect. But Yep. as soon as I do, I'll give you a call. I'll run through the recommendation, and then you can obviously let me know if you're happy with it, then we can go and make those changes for you. Yep. But do you Awesome. have any other questions or need anything else from me while you do have me on the Nah. phone?","start_word":3463,"end_word":3588,"sentiment":"neutral","sentiment_score":0.193989560008049},{"text":"Every everything else is very straightforward.","start_word":3589,"end_word":3594,"sentiment":"positive","sentiment_score":0.3600558042526245},{"text":"Yep. Alright.","start_word":3595,"end_word":3596,"sentiment":"neutral","sentiment_score":0.21038591861724856},{"text":"Perfect.","start_word":3597,"end_word":3597,"sentiment":"positive","sentiment_score":0.3366854190826416},{"text":"Well, Yep.","start_word":3598,"end_word":3599,"sentiment":"neutral","sentiment_score":0.14690475165843964},{"text":"I will let you go and enjoy the rest of your afternoon.","start_word":3600,"end_word":3611,"sentiment":"positive","sentiment_score":0.6511877775192261},{"text":"No worries. If you need anything in the meantime, let me know. But, otherwise, I'll be in touch soon. Yep. Too easy. Will Yep. do.","start_word":3612,"end_word":3636,"sentiment":"neutral","sentiment_score":0.10345450788736343},{"text":"Perfect.","start_word":3637,"end_word":3637,"sentiment":"positive","sentiment_score":0.5965709686279297},{"text":"Well, Alright.","start_word":3638,"end_word":3639,"sentiment":"neutral","sentiment_score":0.33238840103149414},{"text":"thank you so much, I'll Thomas.","start_word":3640,"end_word":3645,"sentiment":"positive","sentiment_score":0.5942475199699402},{"text":"call you all then. No worries.","start_word":3646,"end_word":3651,"sentiment":"neutral","sentiment_score":0.29167646169662476},{"text":"Thank you so much.","start_word":3652,"end_word":3655,"sentiment":"positive","sentiment_score":0.6757771372795105},{"text":"Mhmm.","start_word":3656,"end_word":3656,"sentiment":"neutral","sentiment_score":0.21071061491966248},{"text":"Thanks. Bye. Cheers.","start_word":3657,"end_word":3659,"sentiment":"positive","sentiment_score":0.4924710988998413},{"text":"Bye.","start_word":3660,"end_word":3660,"sentiment":"neutral","sentiment_score":0.27446669340133667}],"average":{"sentiment":"neutral","sentiment_score":0.10694359440232072}}}}