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Before I jump into it, I do need to let you know our call is recorded. You do have a password on file. It's your children's name? Perfect. Thanks for that. I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027. I just wanted to touch base. The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great. And I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you. So that way, when you do your tax return, you're able to include that receipt on your tax return as a deductible. Okay? Perfect. Yeah. So it's just $3,565 that you made in contributions. So I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through. Fantastic. Yeah. Absolutely. I can have a quick look for you. Let me just pull up your account. Okay. No. What was the other question? No. That's okay. Okay. I can see with the beneficiary forms. So there's the beneficiary forms were rejected originally by the fund, and they need to be refilled out because then they weren't valid. I'm just trying to ascertain exactly why they were invalid. It was missing the type of nomination. So there's a there's basically one of the boxes one of the tick boxes was missing. That's as simple and as silly as that sounds. One of the yeah. What I can do is because you've already filled it out, I can fill all of it out from an advice perspective. I can tick those boxes. I can't tick a box once the document's signed. I can please fill it based on the best outcome for you. And just to confirm, so you want your wife to be the nominated beneficiary? You want her to do do you wanna have to update this every three years or no? Perfect. I will tick the appropriate box to make sure that the the nomination stays in place. We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out? Do you have a printer, or would you like me to post them to you? Printer? Cool. I'll I'll get it filled out, and and I'll get them emailed to you. Cool. Otherwise, your account balance as of today sits at 58089, sitting in hub 24. So opening balance just give me one moment because you had two major roll ins. So opening balance was $52.09 39. So fifth 50 basically, 53,000, and then we've moved up to 58. It's been a very volatile year, and you are sitting in quite an aggressive investment structure. So it is very much to be expected from that realm. But, basically, what's happened over the last twelve months is you've been buying shares while the market's been lower. So as the market does go through that bounce back up, it's just gonna have bigger gains for you. And having those ongoing additional contributions that you're putting in at, you know, quite regularly, so dollar cost averaging, what you're gonna see is you're gonna see a better longer term outcome than if you were to just do massive lump sum. So if you if you stop doing, like, your regular contributions and you move to, say, an annual contribution, you're gonna have less of a a beneficial impact than doing the way you're doing. So you're doing the right thing, and and, honestly, any new fund, it takes twelve to twenty four months for things to stabilize. And then, you know, depending on how the market's going as well, that does have an impact. And the last twelve months has definitely been more impactful than most. But I'm I'm I'm like, I'm one of the advisers here. I'm not concerned about where your account sits from an overall perspective. Although the numbers are disheartening, it's not anything that I'm I'm actually concerned about because over time, it's gonna continue to impact a compound. Oh, anywhere from 60 up. So you could you could retire at 60 years old and and hang up hat. If you wanted to continue working, you could work until you decide to hang up the hat as well. Age pension is 67. Super is is accessible from 60. And for me to be able to give you a projection, it's not something I can just pull up over the phone. It's something that I would have to go away, do, and then I could email to you. Is that something you're wanting? Yeah. Yeah. No. Absolutely. I can I can definitely do that and get that emailed through to you? No. That's okay. I will tick the box for you. So I'm gonna have everything ticked based on our conversation. I'm gonna pre fill it based on the form you filled out last time. So that way, I have all your wife's details and everything, and I'll make sure that all the boxes are ticked. And the only part you're gonna need to do is do the signing. Cool. No problem at all. You have a good afternoon. Alright. 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Andy. Larissa from Oakview Financial. How are you going? That's good. I just want to steal a couple of moments of your time if you had a sec.\n\nYes. Yeah. I did. Perfect. No.\n\nYou're okay. Before I jump into it, I do need to let you know our call is recorded. You do have a password on file. It's your children's name? Perfect.\n\nThanks for that. I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027. I just wanted to touch base. The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great. And I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you.\n\nSo that way, when you do your tax return, you're able to include that receipt on your tax return as a deductible. Okay? Perfect. Yeah. So it's just $3,565 that you made in contributions.\n\nSo I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through. Fantastic. Yeah. Absolutely. I can have a quick look for you.\n\nLet me just pull up your account. Okay. No. What was the other question? No.\n\nThat's okay. Okay. I can see with the beneficiary forms. So there's the beneficiary forms were rejected originally by the fund, and they need to be refilled out because then they weren't valid. I'm just trying to ascertain exactly why they were invalid.\n\nIt was missing the type of nomination. So there's a there's basically one of the boxes one of the tick boxes was missing. That's as simple and as silly as that sounds. One of the yeah. What I can do is because you've already filled it out, I can fill all of it out from an advice perspective.\n\nI can tick those boxes. I can't tick a box once the document's signed. I can please fill it based on the best outcome for you. And just to confirm, so you want your wife to be the nominated beneficiary? You want her to do do you wanna have to update this every three years or no?\n\nPerfect. I will tick the appropriate box to make sure that the the nomination stays in place. We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out? Do you have a printer, or would you like me to post them to you? Printer?\n\nCool. I'll I'll get it filled out, and and I'll get them emailed to you. Cool. Otherwise, your account balance as of today sits at 58089, sitting in hub 24. So opening balance just give me one moment because you had two major roll ins.\n\nSo opening balance was $52.09 39. So fifth 50 basically, 53,000, and then we've moved up to 58. It's been a very volatile year, and you are sitting in quite an aggressive investment structure. So it is very much to be expected from that realm. But, basically, what's happened over the last twelve months is you've been buying shares while the market's been lower.\n\nSo as the market does go through that bounce back up, it's just gonna have bigger gains for you. And having those ongoing additional contributions that you're putting in at, you know, quite regularly, so dollar cost averaging, what you're gonna see is you're gonna see a better longer term outcome than if you were to just do massive lump sum. So if you if you stop doing, like, your regular contributions and you move to, say, an annual contribution, you're gonna have less of a a beneficial impact than doing the way you're doing. So you're doing the right thing, and and, honestly, any new fund, it takes twelve to twenty four months for things to stabilize. And then, you know, depending on how the market's going as well, that does have an impact.\n\nAnd the last twelve months has definitely been more impactful than most. But I'm I'm I'm like, I'm one of the advisers here. I'm not concerned about where your account sits from an overall perspective. Although the numbers are disheartening, it's not anything that I'm I'm actually concerned about because over time, it's gonna continue to impact a compound. Oh, anywhere from 60 up.\n\nSo you could you could retire at 60 years old and and hang up hat. If you wanted to continue working, you could work until you decide to hang up the hat as well. Age pension is 67. Super is is accessible from 60. And for me to be able to give you a projection, it's not something I can just pull up over the phone.\n\nIt's something that I would have to go away, do, and then I could email to you. Is that something you're wanting? Yeah. Yeah. No.\n\nAbsolutely. I can I can definitely do that and get that emailed through to you? No. That's okay. I will tick the box for you.\n\nSo I'm gonna have everything ticked based on our conversation. I'm gonna pre fill it based on the form you filled out last time. So that way, I have all your wife's details and everything, and I'll make sure that all the boxes are ticked. And the only part you're gonna need to do is do the signing. Cool.\n\nNo problem at all. You have a good afternoon. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Andy.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.11672234535217284},{"text":"Larissa from Oakview Financial.","start":5.3599997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.1384836956858635},{"text":"How are you going?","start":6.7999997,"end":7.7,"sentiment":"neutral","sentiment_score":0.19263887405395508},{"text":"That's good.","start":10.4,"end":11.3,"sentiment":"positive","sentiment_score":0.7686515748500824},{"text":"I just want to steal a couple of moments of your time if you had a sec.","start":11.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.16084118888658636}],"sentiment":"neutral","sentiment_score":0.20101856311847424,"num_words":29,"start":4.64,"end":14.74},{"sentences":[{"text":"Yes.","start":18.015,"end":18.415,"sentiment":"neutral","sentiment_score":0.05011443793773651},{"text":"Yeah.","start":18.415,"end":18.655,"sentiment":"neutral","sentiment_score":0.06741771101951599},{"text":"I did.","start":18.655,"end":19.315,"sentiment":"neutral","sentiment_score":0.08969036489725113},{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.32980549335479736},{"text":"No.","start":23.935,"end":24.175,"sentiment":"neutral","sentiment_score":-0.015022620558738708}],"sentiment":"neutral","sentiment_score":0.10194929192463557,"num_words":6,"start":18.015,"end":24.175},{"sentences":[{"text":"You're okay.","start":24.175,"end":24.814999,"sentiment":"neutral","sentiment_score":0.04252162575721741},{"text":"Before I jump into it, I do need to let you know our call is recorded.","start":24.814999,"end":27.395,"sentiment":"neutral","sentiment_score":0.02563232567626983},{"text":"You do have a password on file.","start":27.775,"end":29.215,"sentiment":"neutral","sentiment_score":0.04501965269446373},{"text":"It's your children's name?","start":29.215,"end":30.755001,"sentiment":"neutral","sentiment_score":0.02985609881579876},{"text":"Perfect.","start":34.31,"end":34.81,"sentiment":"positive","sentiment_score":0.5600399971008301}],"sentiment":"neutral","sentiment_score":0.04965874745200078,"num_words":30,"start":24.175,"end":34.81},{"sentences":[{"text":"Thanks for that.","start":34.870003,"end":35.77,"sentiment":"positive","sentiment_score":0.7008050680160522},{"text":"I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027.","start":36.47,"end":43.93,"sentiment":"neutral","sentiment_score":0.22989037956880487},{"text":"I just wanted to touch base.","start":45.915,"end":48.415,"sentiment":"neutral","sentiment_score":0.2167176753282547},{"text":"The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great.","start":48.555,"end":61.8,"sentiment":"neutral","sentiment_score":0.3168608695268631},{"text":"And I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you.","start":62.66,"end":72.925,"sentiment":"neutral","sentiment_score":0.17956564156338573}],"sentiment":"neutral","sentiment_score":0.25901141275863837,"num_words":101,"start":34.870003,"end":72.925},{"sentences":[{"text":"So that way, when you do your tax return, you're able to include that receipt on your tax return as a deductible.","start":72.925,"end":78.625,"sentiment":"neutral","sentiment_score":0.1597425832667134},{"text":"Okay?","start":78.925,"end":79.425,"sentiment":"neutral","sentiment_score":0.05901747941970825},{"text":"Perfect.","start":81.325,"end":81.825,"sentiment":"positive","sentiment_score":0.4726593494415283},{"text":"Yeah.","start":83.5,"end":83.74,"sentiment":"neutral","sentiment_score":0.11427208036184312},{"text":"So it's just $3,565 that you made in contributions.","start":83.74,"end":87.52,"sentiment":"neutral","sentiment_score":0.16328472064601052}],"sentiment":"neutral","sentiment_score":0.16558377137955496,"num_words":34,"start":72.925,"end":87.52},{"sentences":[{"text":"So I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through.","start":88.06,"end":92.72,"sentiment":"neutral","sentiment_score":0.19835639744997025},{"text":"Fantastic.","start":95.435,"end":95.935,"sentiment":"positive","sentiment_score":0.6990833282470703},{"text":"Yeah.","start":109.29,"end":109.79,"sentiment":"neutral","sentiment_score":0.034468695521354675},{"text":"Absolutely.","start":110.97,"end":111.47,"sentiment":"neutral","sentiment_score":0.19229891896247864},{"text":"I can have a quick look for you.","start":111.85,"end":113.549995,"sentiment":"neutral","sentiment_score":0.11593621782958508}],"sentiment":"neutral","sentiment_score":0.18775705272151577,"num_words":31,"start":88.06,"end":113.549995},{"sentences":[{"text":"Let me just pull up your account.","start":119.515,"end":124.895,"sentiment":"neutral","sentiment_score":0.057584070201431005},{"text":"Okay.","start":127.515,"end":128.015,"sentiment":"neutral","sentiment_score":0.03647344186902046},{"text":"No.","start":129.83499,"end":130.155,"sentiment":"neutral","sentiment_score":-0.077787846326828},{"text":"What was the other question?","start":130.155,"end":131.215,"sentiment":"neutral","sentiment_score":-0.06394630745053291},{"text":"No.","start":157.37,"end":157.87,"sentiment":"neutral","sentiment_score":-0.19425298273563385}],"sentiment":"neutral","sentiment_score":-0.010147362202405929,"num_words":15,"start":119.515,"end":157.87},{"sentences":[{"text":"That's okay.","start":160.43666,"end":164.00333,"sentiment":"neutral","sentiment_score":-0.08532121032476425},{"text":"Okay.","start":166.56999,"end":166.89,"sentiment":"neutral","sentiment_score":-0.02412179484963417},{"text":"I can see with the beneficiary forms.","start":166.89,"end":168.56999,"sentiment":"neutral","sentiment_score":-0.002901828980871609},{"text":"So there's the beneficiary forms were rejected originally by the fund, and they need to be refilled out because then they weren't valid.","start":168.56999,"end":182.235,"sentiment":"neutral","sentiment_score":-0.2448049910042597},{"text":"I'm just trying to ascertain exactly why they were invalid.","start":183.735,"end":187.67,"sentiment":"negative","sentiment_score":-0.380596736073494}],"sentiment":"neutral","sentiment_score":-0.22445486446972504,"num_words":43,"start":160.43666,"end":187.67},{"sentences":[{"text":"It was missing the type of nomination.","start":192.21,"end":193.99,"sentiment":"negative","sentiment_score":-0.4032140629632132},{"text":"So there's a there's basically one of the boxes one of the tick boxes was missing.","start":196.05,"end":200.385,"sentiment":"negative","sentiment_score":-0.340681248344481},{"text":"That's as simple and as silly as that sounds.","start":200.94499,"end":203.28499,"sentiment":"negative","sentiment_score":-0.44187503390842015},{"text":"One of the yeah.","start":204.625,"end":207.845,"sentiment":"neutral","sentiment_score":-0.09692704677581787},{"text":"What I can do is because you've already filled it out, I can fill all of it out from an advice perspective.","start":209.025,"end":213.845,"sentiment":"neutral","sentiment_score":0.12264857136390427}],"sentiment":"neutral","sentiment_score":-0.17137436787116117,"num_words":58,"start":192.21,"end":213.845},{"sentences":[{"text":"I can tick those boxes.","start":214.76,"end":216.14,"sentiment":"neutral","sentiment_score":0.08593606650829315},{"text":"I can't tick a box once the document's signed.","start":216.2,"end":219.01999,"sentiment":"neutral","sentiment_score":-0.06761426623496744},{"text":"I can please fill it based on the best outcome for you.","start":219.08,"end":222.06,"sentiment":"neutral","sentiment_score":0.14496116464336714},{"text":"And just to confirm, so you want your wife to be the nominated beneficiary?","start":224.84,"end":228.22,"sentiment":"neutral","sentiment_score":0.10576203305806432},{"text":"You want her to do do you wanna have to update this every three years or no?","start":228.44,"end":235.015,"sentiment":"neutral","sentiment_score":0.010463082834201701}],"sentiment":"neutral","sentiment_score":0.05647766286213147,"num_words":57,"start":214.76,"end":235.015},{"sentences":[{"text":"Perfect.","start":236.99501,"end":237.49501,"sentiment":"positive","sentiment_score":0.3505290150642395},{"text":"I will tick the appropriate box to make sure that the the nomination stays in place.","start":239.235,"end":243.49501,"sentiment":"neutral","sentiment_score":0.321001622825861},{"text":"We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out?","start":244.29,"end":250.84999,"sentiment":"neutral","sentiment_score":0.2452879086846397},{"text":"Do you have a printer, or would you like me to post them to you?","start":250.84999,"end":253.98999,"sentiment":"neutral","sentiment_score":0.060131052136421205},{"text":"Printer?","start":256.225,"end":256.54498,"sentiment":"neutral","sentiment_score":0.05375266075134277}],"sentiment":"neutral","sentiment_score":0.21469110195283536,"num_words":54,"start":236.99501,"end":256.54498},{"sentences":[{"text":"Cool.","start":256.54498,"end":256.945,"sentiment":"positive","sentiment_score":0.4248850345611572},{"text":"I'll I'll get it filled out, and and I'll get them emailed to you.","start":256.945,"end":261.205,"sentiment":"positive","sentiment_score":0.4084172227552959},{"text":"Cool.","start":263.345,"end":263.845,"sentiment":"neutral","sentiment_score":0.19408968091011047},{"text":"Otherwise, your account balance as of today sits at 58089, sitting in hub 24.","start":263.985,"end":272.19,"sentiment":"neutral","sentiment_score":0.03124171495437622},{"text":"So opening balance just give me one moment because you had two major roll ins.","start":291.625,"end":297.565,"sentiment":"neutral","sentiment_score":0.02347178409496943}],"sentiment":"neutral","sentiment_score":0.15836170232958263,"num_words":45,"start":256.54498,"end":297.565},{"sentences":[{"text":"So opening balance was $52.09 39.","start":308.15,"end":311.61,"sentiment":"neutral","sentiment_score":0.026301866086820763},{"text":"So fifth 50 basically, 53,000, and then we've moved up to 58.","start":314.735,"end":321.79498,"sentiment":"neutral","sentiment_score":0.02647053054533899},{"text":"It's been a very volatile year, and you are sitting in quite an aggressive investment structure.","start":329.95,"end":336.21002,"sentiment":"negative","sentiment_score":-0.38601815328001976},{"text":"So it is very much to be expected from that realm.","start":336.945,"end":340.245,"sentiment":"neutral","sentiment_score":0.10470721396532925},{"text":"But, basically, what's happened over the last twelve months is you've been buying shares while the market's been lower.","start":340.785,"end":347.04498,"sentiment":"neutral","sentiment_score":0.046660836197827994}],"sentiment":"neutral","sentiment_score":-0.05722652575059328,"num_words":64,"start":308.15,"end":347.04498},{"sentences":[{"text":"So as the market does go through that bounce back up, it's just gonna have bigger gains for you.","start":347.585,"end":352.74,"sentiment":"positive","sentiment_score":0.40118381459462016},{"text":"And having those ongoing additional contributions that you're putting in at, you know, quite regularly, so dollar cost averaging, what you're gonna see is you're gonna see a better longer term outcome than if you were to just do massive lump sum.","start":352.88,"end":366.725,"sentiment":"neutral","sentiment_score":0.16225781415899596},{"text":"So if you if you stop doing, like, your regular contributions and you move to, say, an annual contribution, you're gonna have less of a a beneficial impact than doing the way you're doing.","start":366.725,"end":376.485,"sentiment":"neutral","sentiment_score":-0.22708783517865574},{"text":"So you're doing the right thing, and and, honestly, any new fund, it takes twelve to twenty four months for things to stabilize.","start":376.485,"end":383.16998,"sentiment":"neutral","sentiment_score":0.06312763010678084},{"text":"And then, you know, depending on how the market's going as well, that does have an impact.","start":383.47,"end":387.16998,"sentiment":"neutral","sentiment_score":0.05293664467685363}],"sentiment":"neutral","sentiment_score":0.06717179798417622,"num_words":135,"start":347.585,"end":387.16998},{"sentences":[{"text":"And the last twelve months has definitely been more impactful than most.","start":387.78998,"end":391.49,"sentiment":"neutral","sentiment_score":0.07559211924672127},{"text":"But I'm I'm I'm like, I'm one of the advisers here.","start":393.51498,"end":397.51498,"sentiment":"neutral","sentiment_score":0.11808375811034982},{"text":"I'm not concerned about where your account sits from an overall perspective.","start":397.51498,"end":400.635,"sentiment":"neutral","sentiment_score":-0.01308362123866876},{"text":"Although the numbers are disheartening, it's not anything that I'm I'm actually concerned about because over time, it's gonna continue to impact a compound.","start":400.635,"end":412.35,"sentiment":"neutral","sentiment_score":-0.2517860874844094},{"text":"Oh, anywhere from 60 up.","start":420.585,"end":423.88498,"sentiment":"neutral","sentiment_score":0.0032564142718911173}],"sentiment":"neutral","sentiment_score":-0.062149386139935814,"num_words":64,"start":387.78998,"end":423.88498},{"sentences":[{"text":"So you could you could retire at 60 years old and and hang up hat.","start":424.025,"end":429.16498,"sentiment":"neutral","sentiment_score":0.018367102493842442},{"text":"If you wanted to continue working, you could work until you decide to hang up the hat as well.","start":430.10498,"end":435.32498,"sentiment":"neutral","sentiment_score":0.0349666526247012},{"text":"Age pension is 67.","start":436.91998,"end":438.62,"sentiment":"neutral","sentiment_score":0.005444290116429329},{"text":"Super is is accessible from 60.","start":439.31998,"end":441.81998,"sentiment":"neutral","sentiment_score":0.037771607438723244},{"text":"And for me to be able to give you a projection, it's not something I can just pull up over the phone.","start":443.8,"end":447.16,"sentiment":"neutral","sentiment_score":-0.10562124069441449}],"sentiment":"neutral","sentiment_score":-0.017202841710637917,"num_words":66,"start":424.025,"end":447.16},{"sentences":[{"text":"It's something that I would have to go away, do, and then I could email to you.","start":447.16,"end":450.28,"sentiment":"neutral","sentiment_score":-0.04315582892912276},{"text":"Is that something you're wanting?","start":450.28,"end":451.455,"sentiment":"neutral","sentiment_score":0.0331114761531353},{"text":"Yeah.","start":455.775,"end":456.275,"sentiment":"neutral","sentiment_score":0.09831798821687698},{"text":"Yeah.","start":459.29498,"end":459.375,"sentiment":"neutral","sentiment_score":0.0918676257133484},{"text":"No.","start":459.375,"end":459.69498,"sentiment":"neutral","sentiment_score":0.08483067899942398}],"sentiment":"neutral","sentiment_score":-0.01172301672399044,"num_words":25,"start":447.16,"end":459.69498},{"sentences":[{"text":"Absolutely.","start":459.69498,"end":460.19498,"sentiment":"neutral","sentiment_score":0.2586784362792969},{"text":"I can I can definitely do that and get that emailed through to you?","start":460.41498,"end":463.875,"sentiment":"neutral","sentiment_score":0.2627342151744025},{"text":"No.","start":466.41,"end":466.72998,"sentiment":"neutral","sentiment_score":0.09344950318336488},{"text":"That's okay.","start":466.72998,"end":467.55,"sentiment":"neutral","sentiment_score":0.17437542974948883},{"text":"I will tick the box for you.","start":477.465,"end":478.665,"sentiment":"neutral","sentiment_score":0.15262409831796372}],"sentiment":"neutral","sentiment_score":0.21790105998516082,"num_words":25,"start":459.69498,"end":478.665},{"sentences":[{"text":"So I'm gonna have everything ticked based on our conversation.","start":478.665,"end":480.745,"sentiment":"neutral","sentiment_score":0.17918424308300018},{"text":"I'm gonna pre fill it based on the form you filled out last time.","start":480.745,"end":483.70502,"sentiment":"neutral","sentiment_score":0.16232303849288396},{"text":"So that way, I have all your wife's details and everything, and I'll make sure that all the boxes are ticked.","start":483.70502,"end":488.265,"sentiment":"neutral","sentiment_score":0.15314962005331403},{"text":"And the only part you're gonna need to do is do the signing.","start":488.265,"end":490.765,"sentiment":"neutral","sentiment_score":0.061454060272528574},{"text":"Cool.","start":493.57,"end":494.07,"sentiment":"positive","sentiment_score":0.47754740715026855}],"sentiment":"neutral","sentiment_score":0.14503317256852732,"num_words":59,"start":478.665,"end":494.07},{"sentences":[{"text":"No problem at all.","start":495.97,"end":496.93002,"sentiment":"positive","sentiment_score":0.7157028913497925},{"text":"You have a good afternoon.","start":496.93002,"end":497.99002,"sentiment":"positive","sentiment_score":0.8244740724563598},{"text":"Alright.","start":499.89,"end":500.37,"sentiment":"neutral","sentiment_score":0.1847165524959564},{"text":"Bye.","start":500.37,"end":500.87,"sentiment":"neutral","sentiment_score":-0.08875875920057297}],"sentiment":"positive","sentiment_score":0.6437399746342138,"num_words":11,"start":495.97,"end":500.87}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thank you. Yeah. And so did you say from Oakview? Yes. Yes. Yeah. Yeah. I was just just you put out there for a second. So I mean, Yeah. Okay. Yeah. Yeah. Awesome. That'd be great. Yeah. Okay. No worries. Appreciate that. Can you are you able to tell me how we're going? Because I know I did, like, high high risk investing. Do you know how we're looking so far? Are you able to pull the forklift? Yeah. And then wait. Yeah. Go ahead. And just so I just wanted to make sure that my wife is the beneficiary on the policy because, yeah, we signed it, but then another email came through the other week. Just want them to confirm or something like that. Well, we've already did the confirmation email. So I just wanted confirm if it's if she's in place, if it's all set up. Okay. No. Okay. What was what was the open balance? What was been with you a year? And which have I know we had the whole thing in in The Middle East and and all that. So the oil all that affected it. But what was the open balance, and what have I kind of accumulated with you guys in that time? Okay. That's not really great. 58. Oh, that's not really not really super return, is it? Yeah. Yeah. Okay. 20 20. Okay. Do you know okay. Do you know what a projected what I think would be for, like, around the '64 or 70? What what's the time, 70? Yeah. Yeah. Yeah. If you could. So in in today's winter climate, if you could just work out with roofing, that'd be great. Awesome. Appreciate that. And thanks very much for getting back to me with this in regards to the the beneficiary as well. So I'll wait till you send that. I know it's just gonna tick that box. Is it? That's all I gotta do? Yeah. Yeah. Okay. Awesome. I I can try to reach without those chairs. You too. Take care. 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Yeah. Good. Thank you. Yeah.\n\nAnd so did you say from Oakview? Yes. Yes. Yeah. Yeah.\n\nI was just just you put out there for a second. So I mean, Yeah. Okay. Yeah. Yeah.\n\nAwesome. That'd be great. Yeah. Okay. No worries.\n\nAppreciate that. Can you are you able to tell me how we're going? Because I know I did, like, high high risk investing. Do you know how we're looking so far? Are you able to pull the forklift?\n\nYeah. And then wait. Yeah. Go ahead. And just so I just wanted to make sure that my wife is the beneficiary on the policy because, yeah, we signed it, but then another email came through the other week.\n\nJust want them to confirm or something like that. Well, we've already did the confirmation email. So I just wanted confirm if it's if she's in place, if it's all set up. Okay. No.\n\nOkay. What was what was the open balance? What was been with you a year? And which have I know we had the whole thing in in The Middle East and and all that. 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okay.","start":411.97498,"end":413.495,"sentiment":"neutral","sentiment_score":-0.00991426664404571},{"text":"Do you know what a projected what I think would be for, like, around the '64 or 70?","start":413.495,"end":418.63498,"sentiment":"neutral","sentiment_score":-0.01202712363253037},{"text":"What what's the time, 70?","start":418.69498,"end":420.155,"sentiment":"neutral","sentiment_score":-0.013509092759341002},{"text":"Yeah.","start":426.74002,"end":427.24002,"sentiment":"neutral","sentiment_score":0.02705405466258526},{"text":"Yeah.","start":451.83002,"end":452.15,"sentiment":"neutral","sentiment_score":0.018527019768953323}],"sentiment":"neutral","sentiment_score":-0.009589989011272275,"num_words":29,"start":411.97498,"end":452.15},{"sentences":[{"text":"Yeah.","start":452.15,"end":452.39,"sentiment":"neutral","sentiment_score":0.035188596695661545},{"text":"If you could.","start":452.39,"end":453.27,"sentiment":"neutral","sentiment_score":0.04135192806522051},{"text":"So in in today's winter climate, if you could just work out with roofing, that'd be great.","start":453.27,"end":458.89,"sentiment":"neutral","sentiment_score":0.11106895206167418},{"text":"Awesome.","start":464.405,"end":464.905,"sentiment":"positive","sentiment_score":0.540671169757843},{"text":"Appreciate that.","start":465.04498,"end":466.185,"sentiment":"positive","sentiment_score":0.4843522906303406}],"sentiment":"neutral","sentiment_score":0.14819967987326285,"num_words":24,"start":452.15,"end":466.185},{"sentences":[{"text":"And thanks very much for getting back to me with this in regards to the the beneficiary as well.","start":467.925,"end":472.965,"sentiment":"positive","sentiment_score":0.429393376174726},{"text":"So I'll wait till you send that.","start":472.965,"end":474.405,"sentiment":"neutral","sentiment_score":0.11643659855638232},{"text":"I know it's just gonna tick that box.","start":474.405,"end":475.845,"sentiment":"neutral","sentiment_score":0.1261997278779745},{"text":"Is it?","start":475.845,"end":476.085,"sentiment":"neutral","sentiment_score":0.11505948752164841},{"text":"That's all I gotta do?","start":476.085,"end":477.45,"sentiment":"neutral","sentiment_score":0.09217298924922943}],"sentiment":"neutral","sentiment_score":0.26034419711043194,"num_words":41,"start":467.925,"end":477.45},{"sentences":[{"text":"Yeah.","start":484.25,"end":484.75,"sentiment":"neutral","sentiment_score":0.10889462381601334},{"text":"Yeah.","start":488.97,"end":489.47,"sentiment":"neutral","sentiment_score":0.04991189017891884},{"text":"Okay.","start":491.565,"end":491.965,"sentiment":"neutral","sentiment_score":0.26272904872894287},{"text":"Awesome.","start":491.965,"end":492.465,"sentiment":"positive","sentiment_score":0.5175470113754272},{"text":"I I can try to reach without those chairs.","start":493.565,"end":495.825,"sentiment":"neutral","sentiment_score":0.22446960459152857}],"sentiment":"neutral","sentiment_score":0.22763915503254303,"num_words":13,"start":484.25,"end":495.825},{"sentences":[{"text":"You too.","start":498.605,"end":499.08502,"sentiment":"positive","sentiment_score":0.6622985601425171},{"text":"Take care.","start":499.08502,"end":499.565,"sentiment":"positive","sentiment_score":0.5628251284360886},{"text":"Bye.","start":499.565,"end":500.065,"sentiment":"neutral","sentiment_score":0.2850424647331238}],"sentiment":"positive","sentiment_score":0.547057968378067,"num_words":5,"start":498.605,"end":500.065}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Andy. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. I just want to steal a couple of moments of your time if you had a sec.\n\nChannel 1: Yeah. And so did you say from Oakview?\n\nChannel 0: Yes. Yeah. I did.\n\nChannel 1: Yes. Yes. Yeah. Yeah. I was just just you\n\nChannel 0: Perfect.\n\nChannel 1: put out there for a second. So I mean,\n\nChannel 0: No. You're okay. Before I jump into it, I do need to let you know our call is recorded. You do have a password on file. It's your children's name?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Thanks for that. I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027. I just wanted to touch base. The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great.\n\nAnd I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you. So that way, when you do your tax return, you're able to include that receipt on your tax return as a deductible. Okay?\n\nChannel 1: Okay. Yeah. Yeah. Awesome.\n\nChannel 0: Perfect.\n\nChannel 1: That'd be\n\nChannel 0: Yeah. So it's just $3,565 that you made in contributions.\n\nChannel 1: great.\n\nChannel 0: So I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through.\n\nChannel 1: Yeah. Okay. No worries.\n\nChannel 0: Fantastic.\n\nChannel 1: Appreciate that. Can you are you able to tell me how we're going? Because I know I did, like, high high risk investing. Do you know how we're looking so far? Are you able\n\nChannel 0: Yeah.\n\nChannel 1: to pull the forklift?\n\nChannel 0: Absolutely. I can have a quick look for you. Let me just pull up your account.\n\nChannel 1: Yeah. And\n\nChannel 0: Okay.\n\nChannel 1: then wait. Yeah. Go ahead.\n\nChannel 0: No. What was the other question?\n\nChannel 1: And just so I just wanted to make sure that my wife is the beneficiary on the policy because, yeah, we signed it, but then another email came through the other week. Just want them to confirm or something like that. Well, we've already did the confirmation email. So I just wanted confirm if it's if she's in place, if it's all set up.\n\nChannel 0: No. That's okay. Okay. I can see with the beneficiary forms. So there's the beneficiary forms were rejected originally by the fund,\n\nChannel 1: Okay.\n\nChannel 0: and they need to be refilled out because then they weren't valid. I'm just trying to ascertain exactly why they were invalid. It was missing the type of nomination. So there's a there's basically one of the boxes one of the tick boxes was missing. That's as simple and as silly as that sounds.\n\nOne of the yeah. What I can do is because you've already filled it out, I can fill all of it out from an advice perspective. I can tick those boxes. I can't tick a box once the document's signed. I can please fill it based on the best outcome for you.\n\nAnd just to confirm, so you want your wife to be the nominated beneficiary? You want her to do do you wanna have to update this every three years or no?\n\nChannel 1: No.\n\nChannel 0: Perfect. I will tick the appropriate box to make sure that the the nomination stays in place. We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out? Do you have a printer, or would you like me to post them to you? Printer?\n\nCool. I'll I'll get it filled out, and and I'll get them emailed to you. Cool. Otherwise, your account balance as of today sits at 58089, sitting\n\nChannel 1: Okay.\n\nChannel 0: in\n\nChannel 1: What\n\nChannel 0: hub\n\nChannel 1: was\n\nChannel 0: 24.\n\nChannel 1: what was the open balance? What was been with you a year? And which have I know we had the whole thing in in The Middle East and and all that. So the oil all that affected it. But what was the open balance, and what have I kind of accumulated with you guys in that time?\n\nChannel 0: So opening balance just give me one moment because you had two major roll ins. So opening balance was $52.09 39.\n\nChannel 1: Okay. That's not\n\nChannel 0: So\n\nChannel 1: really\n\nChannel 0: fifth\n\nChannel 1: great.\n\nChannel 0: 50 basically, 53,000, and then we've moved up to 58.\n\nChannel 1: 58. Oh, that's not really not really super return, is it?\n\nChannel 0: It's been a very volatile year, and you are sitting in quite an aggressive investment structure.\n\nChannel 1: Yeah.\n\nChannel 0: So it is very much to be expected from that realm. But, basically, what's happened over the last twelve months is you've been buying shares while the market's been lower. So as the market does go through that bounce back up, it's just gonna have bigger gains for you. And having those ongoing additional contributions that you're putting in at, you know, quite regularly, so dollar cost averaging, what you're\n\nChannel 1: Yeah.\n\nChannel 0: gonna see is you're gonna see a better longer term outcome than if you were to just do massive lump sum. So if you if you stop doing, like, your regular contributions and you move to, say, an annual contribution, you're gonna have less of a a beneficial impact than doing the way you're doing. So you're doing the right thing, and and, honestly, any new fund, it takes twelve to twenty four months for things to stabilize. And then, you know, depending on how the market's going as well, that does have an impact. And the last twelve months has definitely been more impactful than most.\n\nBut I'm I'm I'm like, I'm one of the advisers here. I'm not concerned about where your account sits from an overall perspective. Although the numbers are disheartening, it's not anything that I'm I'm actually concerned about because\n\nChannel 1: Okay.\n\nChannel 0: over time,\n\nChannel 1: 20\n\nChannel 0: it's gonna\n\nChannel 1: 20.\n\nChannel 0: continue to impact\n\nChannel 1: Okay.\n\nChannel 0: a compound.\n\nChannel 1: Do you know okay. Do you know what a projected what I think would be for, like, around the '64 or 70? What what's the time, 70?\n\nChannel 0: Oh, anywhere from 60 up. So you could you could retire at 60 years old\n\nChannel 1: Yeah.\n\nChannel 0: and and hang up hat. If you wanted to continue working, you could work until you decide to hang up the hat as well. Age pension is 67. Super is is accessible from 60. And for me to be able to give you a projection, it's not something I can just pull up over the phone.\n\nIt's something that I would have to go away, do, and then I could email to you. Is that something you're wanting?\n\nChannel 1: Yeah. Yeah. If you could. So in in today's winter climate, if you could just\n\nChannel 0: Yeah.\n\nChannel 1: work out with roofing, that'd be great.\n\nChannel 0: Yeah. No. Absolutely. I can I can definitely do that and get that emailed through to you?\n\nChannel 1: Awesome. Appreciate that.\n\nChannel 0: No. That's okay.\n\nChannel 1: And thanks very much for getting back to me with this in regards to the the beneficiary as well. So I'll wait till you send that. I know it's just gonna tick that box. Is it? That's all I gotta do?\n\nChannel 0: I will tick the box for you. So I'm gonna have everything ticked based on our conversation. I'm gonna pre fill it based on the form you filled out last time. So that way, I\n\nChannel 1: Yeah.\n\nChannel 0: have all your wife's details and everything, and I'll make sure that all the boxes are ticked. And the only part\n\nChannel 1: Yeah.\n\nChannel 0: you're gonna need to do is do the signing.\n\nChannel 1: Okay. Awesome. I\n\nChannel 0: Cool.\n\nChannel 1: I can try to reach without those chairs.\n\nChannel 0: No problem at all. You have a good afternoon.\n\nChannel 1: You too. Take care. Bye.\n\nChannel 0: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.28,"end":3.78,"sentiment":"neutral","sentiment_score":0.03251506760716438}],"sentiment":"neutral","sentiment_score":0.03251506760716438,"channel":1,"num_words":1,"start":3.28,"end":3.78},{"sentences":[{"text":"Hi, Andy.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.11672234535217284},{"text":"Larissa from Oakview Financial.","start":5.3599997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.1384836956858635},{"text":"How are you going?","start":6.7999997,"end":7.7,"sentiment":"neutral","sentiment_score":0.19263887405395508}],"sentiment":"neutral","sentiment_score":0.155793496966362,"channel":0,"num_words":10,"start":4.64,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.3596661686897278},{"text":"Good.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.7014322280883789},{"text":"Thank you.","start":9.28,"end":9.94,"sentiment":"positive","sentiment_score":0.7964787483215332}],"sentiment":"positive","sentiment_score":0.6635139733552933,"channel":1,"num_words":4,"start":8.559999,"end":9.94},{"sentences":[{"text":"That's good.","start":10.4,"end":11.3,"sentiment":"positive","sentiment_score":0.7686515748500824},{"text":"I just want to steal a couple of moments of your time if you had a sec.","start":11.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.16084118888658636}],"sentiment":"neutral","sentiment_score":0.2248212295143228,"channel":0,"num_words":19,"start":10.4,"end":14.74},{"sentences":[{"text":"Yeah.","start":15.245,"end":15.645,"sentiment":"neutral","sentiment_score":0.04853144660592079},{"text":"And so did you say from Oakview?","start":15.645,"end":17.505001,"sentiment":"neutral","sentiment_score":0.018035288634044782}],"sentiment":"neutral","sentiment_score":0.021847308380529284,"channel":1,"num_words":8,"start":15.245,"end":17.505001},{"sentences":[{"text":"Yes.","start":18.015,"end":18.415,"sentiment":"neutral","sentiment_score":0.05011443793773651},{"text":"Yeah.","start":18.415,"end":18.655,"sentiment":"neutral","sentiment_score":0.06741771101951599},{"text":"I 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you","start":20.285,"end":21.645,"sentiment":"neutral","sentiment_score":0.11033432334661483}],"sentiment":"neutral","sentiment_score":0.09632225003507403,"channel":1,"num_words":9,"start":19.005001,"end":21.645},{"sentences":[{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.32980549335479736}],"sentiment":"neutral","sentiment_score":0.32980549335479736,"channel":0,"num_words":1,"start":21.535,"end":22.035},{"sentences":[{"text":"put out there for a second.","start":21.645,"end":22.925,"sentiment":"neutral","sentiment_score":0.10563762113451958},{"text":"So I mean,","start":22.925,"end":23.985,"sentiment":"neutral","sentiment_score":0.010219420306384563}],"sentiment":"neutral","sentiment_score":0.07383155419180791,"channel":1,"num_words":9,"start":21.645,"end":23.985},{"sentences":[{"text":"No.","start":23.935,"end":24.175,"sentiment":"neutral","sentiment_score":-0.015022620558738708},{"text":"You're okay.","start":24.175,"end":24.814999,"sentiment":"neutral","sentiment_score":0.04252162575721741},{"text":"Before I jump into it, I do need to let you know our call is recorded.","start":24.814999,"end":27.395,"sentiment":"neutral","sentiment_score":0.02563232567626983},{"text":"You do have a password on file.","start":27.775,"end":29.215,"sentiment":"neutral","sentiment_score":0.04501965269446373},{"text":"It's your children's name?","start":29.215,"end":30.755001,"sentiment":"neutral","sentiment_score":0.02985609881579876}],"sentiment":"neutral","sentiment_score":0.03048999353001515,"channel":0,"num_words":30,"start":23.935,"end":30.755001},{"sentences":[{"text":"Yeah.","start":31.16,"end":31.66,"sentiment":"neutral","sentiment_score":0.14570599794387817}],"sentiment":"neutral","sentiment_score":0.14570599794387817,"channel":1,"num_words":1,"start":31.16,"end":31.66},{"sentences":[{"text":"Perfect.","start":34.31,"end":34.81,"sentiment":"positive","sentiment_score":0.5600399971008301},{"text":"Thanks for that.","start":34.870003,"end":35.77,"sentiment":"positive","sentiment_score":0.7008050680160522},{"text":"I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027.","start":36.47,"end":43.93,"sentiment":"neutral","sentiment_score":0.22989037956880487},{"text":"I just wanted to touch base.","start":45.915,"end":48.415,"sentiment":"neutral","sentiment_score":0.2167176753282547},{"text":"The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great.","start":48.555,"end":61.8,"sentiment":"neutral","sentiment_score":0.3168608695268631}],"sentiment":"neutral","sentiment_score":0.29962988793849943,"channel":0,"num_words":70,"start":34.31,"end":61.8},{"sentences":[{"text":"And I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you.","start":62.66,"end":72.925,"sentiment":"neutral","sentiment_score":0.17956564156338573},{"text":"So that way, when you do your tax return, you're able to include that receipt on your tax return as a 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be","start":82.325,"end":82.89,"sentiment":"neutral","sentiment_score":0.23911360651254654}],"sentiment":"neutral","sentiment_score":0.23911360651254654,"channel":1,"num_words":2,"start":82.325,"end":82.89},{"sentences":[{"text":"Yeah.","start":83.5,"end":83.74,"sentiment":"neutral","sentiment_score":0.11427208036184312},{"text":"So it's just $3,565 that you made in contributions.","start":83.74,"end":87.52,"sentiment":"neutral","sentiment_score":0.16328472064601052}],"sentiment":"neutral","sentiment_score":0.15838345661759376,"channel":0,"num_words":10,"start":83.5,"end":87.52},{"sentences":[{"text":"great.","start":87.93,"end":88.43,"sentiment":"positive","sentiment_score":0.4621831774711609}],"sentiment":"positive","sentiment_score":0.4621831774711609,"channel":1,"num_words":1,"start":87.93,"end":88.43},{"sentences":[{"text":"So I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through.","start":88.06,"end":92.72,"sentiment":"neutral","sentiment_score":0.19835639744997025}],"sentiment":"neutral","sentiment_score":0.19835639744997025,"channel":0,"num_words":20,"start":88.06,"end":92.72},{"sentences":[{"text":"Yeah.","start":92.97,"end":93.369995,"sentiment":"neutral","sentiment_score":0.08567420393228531},{"text":"Okay.","start":93.369995,"end":93.85,"sentiment":"neutral","sentiment_score":0.13063088059425354},{"text":"No worries.","start":93.85,"end":94.59,"sentiment":"neutral","sentiment_score":0.2848152667284012}],"sentiment":"neutral","sentiment_score":0.1964839044958353,"channel":1,"num_words":4,"start":92.97,"end":94.59},{"sentences":[{"text":"Fantastic.","start":95.435,"end":95.935,"sentiment":"positive","sentiment_score":0.6990833282470703}],"sentiment":"positive","sentiment_score":0.6990833282470703,"channel":0,"num_words":1,"start":95.435,"end":95.935},{"sentences":[{"text":"Appreciate that.","start":96.905,"end":97.884995,"sentiment":"positive","sentiment_score":0.6646260917186737},{"text":"Can you are you able to tell me how we're going?","start":98.66499,"end":101.064995,"sentiment":"neutral","sentiment_score":0.12840914726257324},{"text":"Because I know I did, like, high high risk investing.","start":101.064995,"end":106.045,"sentiment":"neutral","sentiment_score":0.00676575880497694},{"text":"Do you know how we're looking so far?","start":106.585,"end":108.66499,"sentiment":"neutral","sentiment_score":0.05179760931059718},{"text":"Are you 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just pull up your account.","start":119.515,"end":124.895,"sentiment":"neutral","sentiment_score":0.057584070201431005}],"sentiment":"neutral","sentiment_score":0.09517982206307352,"channel":0,"num_words":16,"start":110.97,"end":124.895},{"sentences":[{"text":"Yeah.","start":127.015,"end":127.335,"sentiment":"neutral","sentiment_score":0.03875330835580826},{"text":"And","start":127.335,"end":127.655,"sentiment":"neutral","sentiment_score":0.04449032247066498}],"sentiment":"neutral","sentiment_score":0.04162181541323662,"channel":1,"num_words":2,"start":127.015,"end":127.655},{"sentences":[{"text":"Okay.","start":127.515,"end":128.015,"sentiment":"neutral","sentiment_score":0.03647344186902046}],"sentiment":"neutral","sentiment_score":0.03647344186902046,"channel":0,"num_words":1,"start":127.515,"end":128.015},{"sentences":[{"text":"then 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valid.","start":176.375,"end":182.235,"sentiment":"neutral","sentiment_score":-0.3111043485502402},{"text":"I'm just trying to ascertain exactly why they were invalid.","start":183.735,"end":187.67,"sentiment":"negative","sentiment_score":-0.380596736073494},{"text":"It was missing the type of nomination.","start":192.21,"end":193.99,"sentiment":"negative","sentiment_score":-0.4032140629632132},{"text":"So there's a there's basically one of the boxes one of the tick boxes was missing.","start":196.05,"end":200.385,"sentiment":"negative","sentiment_score":-0.340681248344481},{"text":"That's as simple and as silly as that sounds.","start":200.94499,"end":203.28499,"sentiment":"negative","sentiment_score":-0.44187503390842015}],"sentiment":"negative","sentiment_score":-0.3664720974586628,"channel":0,"num_words":54,"start":176.375,"end":203.28499},{"sentences":[{"text":"One of the yeah.","start":204.625,"end":207.845,"sentiment":"neutral","sentiment_score":-0.09692704677581787},{"text":"What I can do is because you've already filled it out, I can fill all of it out from an advice perspective.","start":209.025,"end":213.845,"sentiment":"neutral","sentiment_score":0.12264857136390427},{"text":"I can tick those boxes.","start":214.76,"end":216.14,"sentiment":"neutral","sentiment_score":0.08593606650829315},{"text":"I can't tick a box once the document's signed.","start":216.2,"end":219.01999,"sentiment":"neutral","sentiment_score":-0.06761426623496744},{"text":"I can please fill it based on the best outcome for you.","start":219.08,"end":222.06,"sentiment":"neutral","sentiment_score":0.14496116464336714}],"sentiment":"neutral","sentiment_score":0.07444704413557282,"channel":0,"num_words":52,"start":204.625,"end":222.06},{"sentences":[{"text":"And just to confirm, so you want your wife to be the nominated beneficiary?","start":224.84,"end":228.22,"sentiment":"neutral","sentiment_score":0.10576203305806432},{"text":"You want her to do do you wanna have to update this every three years or no?","start":228.44,"end":235.015,"sentiment":"neutral","sentiment_score":0.010463082834201701}],"sentiment":"neutral","sentiment_score":0.05350131841917192,"channel":0,"num_words":31,"start":224.84,"end":235.015},{"sentences":[{"text":"No.","start":235.875,"end":236.375,"sentiment":"neutral","sentiment_score":-0.07921154797077179}],"sentiment":"neutral","sentiment_score":-0.07921154797077179,"channel":1,"num_words":1,"start":235.875,"end":236.375},{"sentences":[{"text":"Perfect.","start":236.99501,"end":237.49501,"sentiment":"positive","sentiment_score":0.3505290150642395},{"text":"I will tick the appropriate box to make sure that the the nomination stays in place.","start":239.235,"end":243.49501,"sentiment":"neutral","sentiment_score":0.321001622825861},{"text":"We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out?","start":244.29,"end":250.84999,"sentiment":"neutral","sentiment_score":0.2452879086846397},{"text":"Do you have a printer, or would you like me to post them to you?","start":250.84999,"end":253.98999,"sentiment":"neutral","sentiment_score":0.060131052136421205},{"text":"Printer?","start":256.225,"end":256.54498,"sentiment":"neutral","sentiment_score":0.05375266075134277}],"sentiment":"neutral","sentiment_score":0.21469110195283536,"channel":0,"num_words":54,"start":236.99501,"end":256.54498},{"sentences":[{"text":"Cool.","start":256.54498,"end":256.945,"sentiment":"positive","sentiment_score":0.4248850345611572},{"text":"I'll I'll get it filled out, and and I'll get them emailed to you.","start":256.945,"end":261.205,"sentiment":"positive","sentiment_score":0.4084172227552959},{"text":"Cool.","start":263.345,"end":263.845,"sentiment":"neutral","sentiment_score":0.19408968091011047},{"text":"Otherwise, your account balance as of today sits at 58089, 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was the open balance?","start":272.495,"end":273.935,"sentiment":"neutral","sentiment_score":-0.012968775816261768},{"text":"What was been with you a year?","start":273.935,"end":275.215,"sentiment":"neutral","sentiment_score":0.012674515002540179},{"text":"And which have I know we had the whole thing in in The Middle East and and all that.","start":275.215,"end":281.28,"sentiment":"neutral","sentiment_score":-0.015043901279568672},{"text":"So the oil all that affected it.","start":281.28,"end":283.36002,"sentiment":"neutral","sentiment_score":-0.06182534194418362},{"text":"But what was the open balance, and what have I kind of accumulated with you guys in that time?","start":283.36002,"end":290.18002,"sentiment":"neutral","sentiment_score":0.003352425894454906}],"sentiment":"neutral","sentiment_score":-0.011070836841929377,"channel":1,"num_words":57,"start":272.495,"end":290.18002},{"sentences":[{"text":"So opening balance just give me one moment because you had two major roll 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just","start":453.27,"end":455.91,"sentiment":"neutral","sentiment_score":0.04087312426418066}],"sentiment":"neutral","sentiment_score":0.039100176220138866,"channel":1,"num_words":15,"start":451.83002,"end":455.91},{"sentences":[{"text":"Yeah.","start":455.775,"end":456.275,"sentiment":"neutral","sentiment_score":0.09831798821687698}],"sentiment":"neutral","sentiment_score":0.09831798821687698,"channel":0,"num_words":1,"start":455.775,"end":456.275},{"sentences":[{"text":"work out with roofing, that'd be great.","start":455.91,"end":458.89,"sentiment":"neutral","sentiment_score":0.21134870605809347}],"sentiment":"neutral","sentiment_score":0.21134870605809347,"channel":1,"num_words":7,"start":455.91,"end":458.89},{"sentences":[{"text":"Yeah.","start":459.29498,"end":459.375,"sentiment":"neutral","sentiment_score":0.0918676257133484},{"text":"No.","start":459.375,"end":459.69498,"sentiment":"neutral","sentiment_score":0.08483067899942398},{"text":"Absolutely.","start":459.69498,"end":460.19498,"sentiment":"neutral","sentiment_score":0.2586784362792969},{"text":"I can I can definitely do that and get that emailed through to you?","start":460.41498,"end":463.875,"sentiment":"neutral","sentiment_score":0.2627342151744025}],"sentiment":"neutral","sentiment_score":0.24197975020198262,"channel":0,"num_words":17,"start":459.29498,"end":463.875},{"sentences":[{"text":"Awesome.","start":464.405,"end":464.905,"sentiment":"positive","sentiment_score":0.540671169757843},{"text":"Appreciate that.","start":465.04498,"end":466.185,"sentiment":"positive","sentiment_score":0.4843522906303406}],"sentiment":"positive","sentiment_score":0.5031252503395081,"channel":1,"num_words":3,"start":464.405,"end":466.185},{"sentences":[{"text":"No.","start":466.41,"end":466.72998,"sentiment":"neutral","sentiment_score":0.09344950318336488},{"text":"That's okay.","start":466.72998,"end":467.55,"sentiment":"neutral","sentiment_score":0.17437542974948883}],"sentiment":"neutral","sentiment_score":0.14740012089411417,"channel":0,"num_words":3,"start":466.41,"end":467.55},{"sentences":[{"text":"And thanks very much for getting back to me with this in regards to the the beneficiary as well.","start":467.925,"end":472.965,"sentiment":"positive","sentiment_score":0.429393376174726},{"text":"So I'll wait till you send that.","start":472.965,"end":474.405,"sentiment":"neutral","sentiment_score":0.11643659855638232},{"text":"I know it's just gonna tick that box.","start":474.405,"end":475.845,"sentiment":"neutral","sentiment_score":0.1261997278779745},{"text":"Is it?","start":475.845,"end":476.085,"sentiment":"neutral","sentiment_score":0.11505948752164841},{"text":"That's all I gotta do?","start":476.085,"end":477.45,"sentiment":"neutral","sentiment_score":0.09217298924922943}],"sentiment":"neutral","sentiment_score":0.26034419711043194,"channel":1,"num_words":41,"start":467.925,"end":477.45},{"sentences":[{"text":"I will tick the box for you.","start":477.465,"end":478.665,"sentiment":"neutral","sentiment_score":0.15262409831796372},{"text":"So I'm gonna have everything ticked based on our conversation.","start":478.665,"end":480.745,"sentiment":"neutral","sentiment_score":0.17918424308300018},{"text":"I'm gonna pre fill it based on the form you filled out last time.","start":480.745,"end":483.70502,"sentiment":"neutral","sentiment_score":0.16232303849288396},{"text":"So that way, I","start":483.70502,"end":484.265,"sentiment":"neutral","sentiment_score":0.11495544202625751}],"sentiment":"neutral","sentiment_score":0.15978729788746152,"channel":0,"num_words":35,"start":477.465,"end":484.265},{"sentences":[{"text":"Yeah.","start":484.25,"end":484.75,"sentiment":"neutral","sentiment_score":0.10889462381601334}],"sentiment":"neutral","sentiment_score":0.10889462381601334,"channel":1,"num_words":1,"start":484.25,"end":484.75},{"sentences":[{"text":"have all your wife's details and everything, and I'll make sure that all the boxes are ticked.","start":484.265,"end":488.265,"sentiment":"neutral","sentiment_score":0.16213648547144496},{"text":"And the only part","start":488.265,"end":489.065,"sentiment":"neutral","sentiment_score":0.05874392855912447}],"sentiment":"neutral","sentiment_score":0.14244266510719344,"channel":0,"num_words":21,"start":484.265,"end":489.065},{"sentences":[{"text":"Yeah.","start":488.97,"end":489.47,"sentiment":"neutral","sentiment_score":0.04991189017891884}],"sentiment":"neutral","sentiment_score":0.04991189017891884,"channel":1,"num_words":1,"start":488.97,"end":489.47},{"sentences":[{"text":"you're gonna need to do is do the signing.","start":489.065,"end":490.765,"sentiment":"neutral","sentiment_score":0.06265856325626373}],"sentiment":"neutral","sentiment_score":0.06265856325626373,"channel":0,"num_words":9,"start":489.065,"end":490.765},{"sentences":[{"text":"Okay.","start":491.565,"end":491.965,"sentiment":"neutral","sentiment_score":0.26272904872894287},{"text":"Awesome.","start":491.965,"end":492.465,"sentiment":"positive","sentiment_score":0.5175470113754272},{"text":"I","start":493.565,"end":493.965,"sentiment":"positive","sentiment_score":0.44310262799263}],"sentiment":"positive","sentiment_score":0.4077928960323334,"channel":1,"num_words":3,"start":491.565,"end":493.965},{"sentences":[{"text":"Cool.","start":493.57,"end":494.07,"sentiment":"positive","sentiment_score":0.47754740715026855}],"sentiment":"positive","sentiment_score":0.47754740715026855,"channel":0,"num_words":1,"start":493.57,"end":494.07},{"sentences":[{"text":"I can try to reach without those chairs.","start":493.965,"end":495.825,"sentiment":"neutral","sentiment_score":0.1971404766663909}],"sentiment":"neutral","sentiment_score":0.1971404766663909,"channel":1,"num_words":8,"start":493.965,"end":495.825},{"sentences":[{"text":"No problem at all.","start":495.97,"end":496.93002,"sentiment":"positive","sentiment_score":0.7157028913497925},{"text":"You have a good afternoon.","start":496.93002,"end":497.99002,"sentiment":"positive","sentiment_score":0.8244740724563598}],"sentiment":"positive","sentiment_score":0.7761313252978854,"channel":0,"num_words":9,"start":495.97,"end":497.99002},{"sentences":[{"text":"You too.","start":498.605,"end":499.08502,"sentiment":"positive","sentiment_score":0.6622985601425171},{"text":"Take care.","start":499.08502,"end":499.565,"sentiment":"positive","sentiment_score":0.5628251284360886},{"text":"Bye.","start":499.565,"end":500.065,"sentiment":"neutral","sentiment_score":0.2850424647331238}],"sentiment":"positive","sentiment_score":0.547057968378067,"channel":1,"num_words":5,"start":498.605,"end":500.065},{"sentences":[{"text":"Alright.","start":499.89,"end":500.37,"sentiment":"neutral","sentiment_score":0.1847165524959564},{"text":"Bye.","start":500.37,"end":500.87,"sentiment":"neutral","sentiment_score":-0.08875875920057297}],"sentiment":"neutral","sentiment_score":0.04797889664769171,"channel":0,"num_words":2,"start":499.89,"end":500.87}]},"summary":{"result":"success","short":"A representative from Oakview Financial calls a customer to inform them about their new investment program and to provide advice on making contributions. The customer is informed about the process for receiving a receipt and updating their beneficiary information. The representative also discusses the impact of the recent volatility on the market and offers to send a projection of retirement savings."},"intents":{"segments":[{"text":"I just want to steal a couple of moments of your time if you had a sec. Yeah.","start_word":17,"end_word":34,"intents":[{"intent":"Request callback","confidence_score":0.02858108}]},{"text":"And just so I just wanted to make sure that my wife is the beneficiary on the policy because, yeah, we signed it, but then another email came through the other week. Just want them to confirm or something like that.","start_word":333,"end_word":373,"intents":[{"intent":"Confirm policy","confidence_score":0.24598363}]},{"text":"Well, we've already did the confirmation email. So I just wanted confirm if it's if she's in place, if it's all set up. No.","start_word":374,"end_word":397,"intents":[{"intent":"Send confirmation email","confidence_score":0.10140977}]},{"text":"and they need to be refilled out because then they weren't valid. I'm just trying to ascertain exactly why they were invalid.","start_word":420,"end_word":441,"intents":[{"intent":"Inquire about invalid forms","confidence_score":0.0049329735}]},{"text":"You want her to do do you wanna have to update this every three years or no? No. Perfect.","start_word":540,"end_word":558,"intents":[{"intent":"Update nominee","confidence_score":0.0016351045}]},{"text":"Otherwise, your account balance as of today sits at 58089, sitting Okay.","start_word":628,"end_word":639,"intents":[{"intent":"Confirm account balance","confidence_score":0.064647995}]},{"text":"What was been with you a year? And which have I know we had the whole thing in in The Middle East and and all that. So the oil all that affected it. But what was the open balance, and what have I kind of accumulated with you guys in that time?","start_word":651,"end_word":702,"intents":[{"intent":"Update account status","confidence_score":0.003352183}]},{"text":"Do you know what a projected what I think would be for, like, around the '64 or 70?","start_word":1001,"end_word":1018,"intents":[{"intent":"Schedule retirement projection","confidence_score":0.00043996383}]},{"text":"And thanks very much for getting back to me with this in regards to the the beneficiary as well.","start_word":1164,"end_word":1182,"intents":[{"intent":"Send information to beneficiary","confidence_score":0.0063359044}]},{"text":"you're gonna need to do is do the signing. Okay. Awesome.","start_word":1263,"end_word":1273,"intents":[{"intent":"Complete signing","confidence_score":0.008303849}]},{"text":"I can try to reach without those chairs.","start_word":1276,"end_word":1283,"intents":[{"intent":"Reach without chairs","confidence_score":0.92945254}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Andy. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.13632695376873016},{"text":"Yeah. Good. Thank you. That's good.","start_word":11,"end_word":16,"sentiment":"positive","sentiment_score":0.6952314376831055},{"text":"I just want to steal a couple of moments of your time if you had a sec. Yeah. And so did you say from Oakview? Yes. Yeah. I did. Yes. Yes. Yeah. Yeah. I was just just you Perfect. put out there for a second. So I mean, No. You're okay. Before I jump into it, I do need to let you know our call is recorded. You do have a password on file. It's your children's name? Yeah.","start_word":17,"end_word":95,"sentiment":"neutral","sentiment_score":0.07595822960138321},{"text":"Perfect. Thanks for that.","start_word":96,"end_word":99,"sentiment":"positive","sentiment_score":0.637255072593689},{"text":"I was just reaching out to you because the financial year has obviously rolled over, and we're in the new one for 2027. I just wanted to touch base. The advice that was given to you by Veronica, the June 2025, so twelve months ago, was for you to make personal contributions into your Hub twenty four Superfund, which you have been doing, which is great. And I was just touching base just to let you know that what I'm gonna do is process that notice of intent to claim and get the receipt sent out to you. So that way, when you do your tax return, you're able to include that receipt on your tax return as a deductible. Okay? Okay. Yeah. Yeah.","start_word":100,"end_word":223,"sentiment":"neutral","sentiment_score":0.22381308674812317},{"text":"Awesome. Perfect.","start_word":224,"end_word":225,"sentiment":"positive","sentiment_score":0.4943154454231262},{"text":"That'd be Yeah. So it's just $3,565 that you made in contributions.","start_word":226,"end_word":237,"sentiment":"neutral","sentiment_score":0.16705599427223206},{"text":"great.","start_word":238,"end_word":238,"sentiment":"positive","sentiment_score":0.4621831774711609},{"text":"So I'm gonna claim that today, and it'll take about five days for that, basically, the receipt to come through. Yeah. Okay. No worries.","start_word":239,"end_word":262,"sentiment":"neutral","sentiment_score":0.1990859806537628},{"text":"Fantastic. Appreciate that.","start_word":263,"end_word":265,"sentiment":"positive","sentiment_score":0.6838241219520569},{"text":"Can you are you able to tell me how we're going? Because I know I did, like, high high risk investing. Do you know how we're looking so far? Are you able Yeah. to pull the forklift? Absolutely. I can have a quick look for you. Let me just pull up your account. Yeah. And Okay. then wait. Yeah. Go ahead. No. What was the other question? And just so I just wanted to make sure that my wife is the beneficiary on the policy because, yeah, we signed it, but then another email came through the other week. Just want them to confirm or something like that. Well, we've already did the confirmation email. So I just wanted confirm if it's if she's in place, if it's all set up. No. That's okay. Okay. I can see with the beneficiary forms. So there's the beneficiary forms were rejected originally by the fund, Okay. and they need to be refilled out because then they weren't valid.","start_word":266,"end_word":431,"sentiment":"neutral","sentiment_score":0.01193219118089561},{"text":"I'm just trying to ascertain exactly why they were invalid. It was missing the type of nomination.","start_word":432,"end_word":448,"sentiment":"negative","sentiment_score":-0.3793202340602875},{"text":"So there's a there's basically one of the boxes one of the tick boxes was missing.","start_word":449,"end_word":464,"sentiment":"neutral","sentiment_score":-0.3262137472629547},{"text":"That's as simple and as silly as that sounds.","start_word":465,"end_word":473,"sentiment":"negative","sentiment_score":-0.4284684658050537},{"text":"One of the yeah. What I can do is because you've already filled it out, I can fill all of it out from an advice perspective. I can tick those boxes. I can't tick a box once the document's signed. I can please fill it based on the best outcome for you. And just to confirm, so you want your wife to be the nominated beneficiary? You want her to do do you wanna have to update this every three years or no? No.","start_word":474,"end_word":557,"sentiment":"neutral","sentiment_score":0.060442566871643066},{"text":"Perfect.","start_word":558,"end_word":558,"sentiment":"positive","sentiment_score":0.3505290150642395},{"text":"I will tick the appropriate box to make sure that the the nomination stays in place. We'll remind you every year of who the nominated person is, but I'll I can I can get that filled out? Do you have a printer, or would you like me to post them to you? Printer?","start_word":559,"end_word":611,"sentiment":"neutral","sentiment_score":0.20632031559944153},{"text":"Cool. I'll I'll get it filled out, and and I'll get them emailed to you.","start_word":612,"end_word":626,"sentiment":"positive","sentiment_score":0.4141055643558502},{"text":"Cool. Otherwise, your account balance as of today sits at 58089, sitting Okay. in What hub was 24. what was the open balance? What was been with you a year? And which have I know we had the whole thing in in The Middle East and and all that. So the oil all that affected it. But what was the open balance, and what have I kind of accumulated with you guys in that time? So opening balance just give me one moment because you had two major roll ins. So opening balance was $52.09 39. Okay. That's not So really fifth great. 50 basically, 53,000, and then we've moved up to 58. 58. Oh, that's not really not really super return, is it?","start_word":627,"end_word":750,"sentiment":"neutral","sentiment_score":-0.0033996090773613223},{"text":"It's been a very volatile year, and you are sitting in quite an aggressive investment structure.","start_word":751,"end_word":766,"sentiment":"negative","sentiment_score":-0.3824055194854736},{"text":"Yeah. So it is very much to be expected from that realm. But, basically, what's happened over the last twelve months is you've been buying shares while the market's been lower.","start_word":767,"end_word":797,"sentiment":"neutral","sentiment_score":0.058117542415857315},{"text":"So as the market does go through that bounce back up, it's just gonna have bigger gains for you.","start_word":798,"end_word":816,"sentiment":"positive","sentiment_score":0.4022118747234345},{"text":"And having those ongoing additional contributions that you're putting in at, you know, quite regularly, so dollar cost averaging, what you're Yeah. gonna see is you're gonna see a better longer term outcome than if you were to just do massive lump sum. So if you if you stop doing, like, your regular contributions and you move to, say, an annual contribution, you're gonna have less of a a beneficial impact than doing the way you're doing. So you're doing the right thing, and and, honestly, any new fund, it takes twelve to twenty four months for things to stabilize. And then, you know, depending on how the market's going as well, that does have an impact. And the last twelve months has definitely been more impactful than most. But I'm I'm I'm like, I'm one of the advisers here. I'm not concerned about where your account sits from an overall perspective.","start_word":817,"end_word":968,"sentiment":"neutral","sentiment_score":0.02318400889635086},{"text":"Although the numbers are disheartening, it's not anything that I'm I'm actually concerned about because Okay.","start_word":969,"end_word":984,"sentiment":"negative","sentiment_score":-0.35429680347442627},{"text":"over time, 20 it's gonna 20. continue to impact Okay. a compound. Do you know okay. Do you know what a projected what I think would be for, like, around the '64 or 70? What what's the time, 70? Oh, anywhere from 60 up. So you could you could retire at 60 years old Yeah. and and hang up hat. If you wanted to continue working, you could work until you decide to hang up the hat as well. Age pension is 67. Super is is accessible from 60. And for me to be able to give you a projection, it's not something I can just pull up over the phone. It's something that I would have to go away, do, and then I could email to you. Is that something you're wanting? Yeah. Yeah. If you could. So in in today's winter climate, if you could just Yeah. work out with roofing, that'd be great. Yeah. No. Absolutely. I can I can definitely do that and get that emailed through to you?","start_word":985,"end_word":1157,"sentiment":"neutral","sentiment_score":0.01863657683134079},{"text":"Awesome. Appreciate that.","start_word":1158,"end_word":1160,"sentiment":"positive","sentiment_score":0.5072445869445801},{"text":"No. That's okay.","start_word":1161,"end_word":1163,"sentiment":"neutral","sentiment_score":0.15099051594734192},{"text":"And thanks very much for getting back to me with this in regards to the the beneficiary as well.","start_word":1164,"end_word":1182,"sentiment":"positive","sentiment_score":0.42273998260498047},{"text":"So I'll wait till you send that. I know it's just gonna tick that box. Is it? That's all I gotta do? I will tick the box for you. So I'm gonna have everything ticked based on our conversation. I'm gonna pre fill it based on the form you filled out last time. So that way, I Yeah. have all your wife's details and everything, and I'll make sure that all the boxes are ticked. And the only part Yeah. you're gonna need to do is do the signing. Okay.","start_word":1183,"end_word":1272,"sentiment":"neutral","sentiment_score":0.13394047319889069},{"text":"Awesome. I Cool.","start_word":1273,"end_word":1275,"sentiment":"positive","sentiment_score":0.4866583049297333},{"text":"I can try to reach without those chairs.","start_word":1276,"end_word":1283,"sentiment":"neutral","sentiment_score":0.20210501551628113},{"text":"No problem at all. You have a good afternoon. You too. Take care.","start_word":1284,"end_word":1296,"sentiment":"positive","sentiment_score":0.7181424498558044},{"text":"Bye. Alright. Bye.","start_word":1297,"end_word":1299,"sentiment":"neutral","sentiment_score":0.2066090852022171}],"average":{"sentiment":"neutral","sentiment_score":0.07968389569550835}}}}