{"metadata":{"transaction_key":"deprecated","request_id":"01a05b05-9476-79a1-b357-c3df06e00f8e","sha256":"c140d140a2ac663a1255a9452123689f62b3ec3d4ddb399423f3d148652931ed","created":"2026-09-01T03:31:30.967Z","duration":1855.944,"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":5692,"output_tokens":102},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6352,"output_tokens":6365},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6352,"output_tokens":448}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Steven. It's Jenna here from Oakview Financial phoning for annual review. Hi, Steven. It's Jenna here phoning from Oakview Financial. How are you today? I'm good. Thank you. I just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Wonderful. And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please? Please? Okay. So yeah. I yes. That's fine. And what about your date birth? Perfect. So your client password is LykesterFC or like yeah. Football team, it says. Yeah. There you go. Did you wanna change that at all, or are you happy with that? Okay. Beautiful. Fantastic. Just hoping not to take too much of your time today. Do you have time now to run through your annual review? Beautiful. What I'll start by doing is just making sure the information that we have on file is up to date and current. Now I know you've purchased a new home, so that probably needs to be updated. So what I'm going to do is just start with items that are likely to have changed since your last review. So are you sing are you still single? Or yep. Oh, wow. Congratulations. How about your daughter? Oh, wow. And what's her name? Oh, that's a beauty. I was I had that on my list. I love that name. And yeah. And what's your partner's name? Melissa? Same surname? Or beautiful. Beautiful. Now with what we usually do is have a next of kin on file. Are you would that be Melissa for you? Yeah. And what's her best contact number if we are ever unable to reach you? Yep. Four zero five. Yep. 207. Okay. Additionally, the I have you down as a sign installer. Is that still correct? Okay. I'm just updating that. Okay. Are you still self employed? Yep. Yep. That's good. That's good. And on average, how many hours per week do you work? Yeah. Okay. Do you and how many years have you been in the industry? Wow. Yep. Perfect. That's alright. And your business is still called Tucker's Installations? Fantastic. Alright. We've got your income down here as 80,000. Do you think that would be correct? Okay. That's fine. Being self employed, is there any other income that is potentially directed towards your spouse or partner? Nope. No. Yep. Yep. Yep. Perfect. Yep. That's all good. And your expenditure per week, what do you estimate that to be? Excluding oh, including or excluding mortgage repayment. It's up to you. Include including 900. Yep. Beautiful. And what about any savings per week? Yep. Beautiful. Are you making super contributions on your own behalf? Okay. The 12%? Yep. That's fine. Beautiful. Are you doing any more or just the 12%? Yep. Okay. Are you wanting to do any more at the present time? Yep. Okay. No. That's fine. We always just like to just double check to make sure if there's anything that we do need to touch on that, you know, we've covered it off with you. The new home that you purchased, how much do you estimate that to be valued at? Beautiful. And what's the debt attached to it? $7.50 or yeah. Any ideas? Yep. $7.70. Okay. Any other assets or debts that you have? Yes. Yeah. Lovely. And that's through the business, is it? Okay. What's the value of that? Okay. And any any of the debts attached to that? Yep. Okay. So $45.40. Yep. Okay. That's okay. Any other assets or debts? No? Fantastic. Alright. Sorry about this question. I have to ask too. Have you ever been declared bankrupt? No. And are you a tax resident of any country outside of Australia? Are you a tax resident of any other country except Australia? Yeah. Fantastic. Beautiful. I've got you listed here as a nonsmoker. Is that still the case? Beautiful. Any significant health issues or injuries since our last review? And full recovery? Beautiful. They I've I've had a fractured wrist, and they've they're pretty hard to pick up on. Oh, it's a waste away. Do you have any private health insurance? Sorry. What was the company's name? Qantas. Oh, sorry about that. That's a might need to update that. Do you take any regular medication? No. And what's your we've got your height at a hundred and seventy eight centimeters. Have you grown or shrunk? Yep. And we have you weighed at a hundred and fifteen. Okay. Beautiful. And do you have a will or power of attorney in place? No. Okay. What I might do is talk to you a little bit about that just in relation to having a young child now and a and a partner. It's probably something that you need to do you do need to look at. Oh my god. I am so sorry. I'm so sorry for your loss. I'm sorry. Yeah. That's awful. Yeah. Oh, gosh. Well, I hopefully, you had the chance to say goodbye and all those shots. No? Oh, okay. Okay. Yeah. Oh, gosh. I'm so sorry to hear that. Yes. Okay. So you obviously know the importance on that, so I won't touch anymore on that. But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use. They are very affordable and just send that out to you for you to have a look at, and we can introduce you to them should you decide to go down that path. Okay. Okay. Now we haven't done a risk profile in a little bit. I just wanna complete that quickly with you because I have you here as a growth in Vista, but your portfolio, which we'll touch on in a little bit, is more of a balanced approach. Yeah. So I just wanna run through with you. Ask it's about six or so questions, and there's no right or wrong answer. It's just your gut feeling and your first reaction super fund, you do have managed investments. So that's that does count as well. Once your investment has been placed, how long would you need before you access to it? So you're 34, so you can't access it till 60. Would it be longer than ten years? Yes. Yep. Alright. Inflation means things are getting a little bit more expensive over time, making your money worthless. How much risk are you willing to take to keep up with this rising prices? Would you be willing to take very high risks, high risks, moderate, a small amount, or or none at all? Moderate? Yep. That's correct. Yeah. Yep. We can run through that as well shortly. How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market? Would you invest more for growth either heavily or modestly? Would you hold and Hold and wait. Or you could invest moderately for growth. Yeah. Okay. What kind of return do you expect from your investments over the long term? 8% and above, six to 8%, four to six, two to four, zero to two. Yep. And have your investments, including your superannuation, ever dropped in value? And if so, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, or highly anxious, Yep. Yep. Yeah. So would it would you be cautious making no further investments, or would you be concerned? Yep. Okay. Beautiful. Yeah. Of course. And have you ever thought about taking out money to a loan to invest? So the answer is obviously yes because you've purchased your home. But would you be open to borrowing for stocks and funds or for an investment property? Yep. Yep. Fantastic. True. So you have come out a a growth investor, which is what you were previously. So what that means is that a growth risk profile typically has an allocation of 80 percent of their assets to growth assets and 20% to defensive assets. At the moment, your super fund has about 71.5 to gross assets and 28.5 to defensive assets. So you're about 10 out on either side. So, I mean, are you comfortable with a growth investment profile? It does mean a growth investment part investment profile would be at least a six year minimum time frame. You'd have a likelihood of a negative return of one in every five years, and your expected return in that class would be between seven to 9% grosser fees. So it it would hit you'd probably settle somewhere around that 8% mark, typically. So just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that. Yep. Okay. Now that I've just confirmed that, what I wanna do is just revisit your goals from last time you had a review just to check and make sure that they're still appropriate. One was to your first one was to buy a house in the next little bit, which you have ticked off, which is fantastic. A long term goal was you just wanna be comfortable and have a healthy source of income. Is that in is that for retirement, or is that yeah. Yeah. Yeah. Okay. So is one of yep. Yep. Okay. Yep. Yep. Yeah. I understand that. Is there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own? Off that account. Yep. Beautiful. Yes. That's fine. That's absolutely fine. You have here for retirement, you'd like to retire at the age of 60 with an income of 600 per week. Now that's probably based on when pre daughter and partner. What do you think that looks like now? 12 so still 60, but 1,200 a week. Yep. And that and yeah. Enjoying life. So so you'd wanna be debt free as well by then? Yep. Beautiful. Yeah. Yeah. Yeah. The equity. Yeah. Of course. Beautiful. You said that you wanna get your funds growing for you at a better rate and make more money through your super. Still applicable? Yep. And last time, you didn't really want to seek any advice on insurance policies. Is that still your stance now given that you have a young daughter and a mortgage and a partner? And probably without you, there would be no Yeah. Alright. What I'm gonna do is send you some information on the different types of insurances available. I'm going to strongly recommend you and your partner have a chat about it. There are I'll put together some information, just some general information for you, but we will it's probably something that we do need to look out for you and something that we we should prioritize. So outside of that, we've got your estate planning. So being the wills, I'll send through to you. The other thing I just wanted to flag is that for your superannuation fund with Hub twenty four, your beneficiary noted is Tracy Tucker. Okay. I need to update. Okay. Beautiful. Update. I'm just gonna make a note of this to Melissa. What is Melissa's date of birth? 1991. Okay. Fantastic. I'll make sure that that's in recorded in our documents, and we can get that all sent out. With that, it will require a wet signature. Do you have access to a printer, or would you like me to post it? Okay. You'll need two witnesses, and Melissa will not be able to be one of them, though, because she will be beneficiary. Alright. Fantastic. What I'm going to do while we continue to talk, I'm just gonna send do you have access to your emails at the moment? Beautiful. I'm just sending through some documents that will come through from OdooSign. It's just your pack that we're gonna talk through. And there we go. So you let me know when you've got those documents open. I think you gotta click on sign, but you don't actually sign anything. It'll just take you through all the oh, you got it? Beautiful. Alright. So the first document you'll see is just a summary of your superannuation fund with the balance as of the thirty first sitting at approximately 109. That's good. That's a good thing. The next document over is your performance for return for the last twelve months. So, overall, it was so net of fees, so after fees, 5.57%. So we've fallen short of that seven to 9% mark because of the asset allocation, but you'll also see that first fund at the top, and along Australian equities, that they performed not great. One of our so it's that's not to say that the Australian share market did not perform well. It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market, growth opportunities. Now, unfortunately, for them, that that didn't pay off, and we had you had more of the higher ASX 200, so being the banks and the bigger companies that performed well in the market. So one of the things that I'd like to do is look at potential replacements, investigate some replacements of that for you. Is that are you happy with that? Beautiful. And the other one that I would like to investigate a little bit further is the next one down, the beta bank hybrid fund. Now the reason for that being is that the banks are phasing out the hybrids, and they'll cease in around January 2027. So what I'd like to do is there's no need to necessarily rush out of it, but I would like to have a look at other options and investigate what we could do in the meantime and if it's a better outcome for you, if that's okay. Fantastic. The next document over is your Vanguard index chart. Now this is probably where we talked a bit about your gross and defensive assets. So the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets. So, ideally, that's where we want 80% of your funds to be spread across. You'll see the volatility associated with those those sectors and that over time, you will experience volatility. So I guess this we use this chart as a visual for clients to help understand where their funds are invested at. The remaining 20% is in items such as the Australian bonds and cash. So they're your defensive type assets that allow for more of an income. You will see that there is growth at times, but they're more income producing assets and to ensure that your your portfolio is does have a defensive allocation to it. Any questions about that? No? Okay. Beautiful. The next document is our financial license is, that we're licensed through ASIC, and, additionally, additionally, what services we provide and how we provide advice, our fee structure, and complaints handling process. So processes if you are unhappy with any of the services that we provide to you. And finally, the last document is the consent to the ongoing service fee. So this is our fee that we charge for our services. So you'll see at the bottom of the first page that fee is estimated to be $1,888.67 per annum. What what that what well, how that's charged is it's divided by 12 and then charged monthly from your superannuation fund, hub 24. So what that advice service fee covers is the advice contained within your superannuation and your ongoing reviews. And in saying that, you're not limited to one review per year. If you've got some questions you'd like to ask or anything comes up or there's potentially a new a new situation that you need to discuss, you just get in contact and and phone us, and we book in a time. So the only document that requires signing is that last one. But before you do, just make sure you're comfortable and happy with it and that you are happy to continue as a client with Oakview and, also, that you're happy with Hub as well. Fantastic. Beautiful. That's lovely. And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent? Yep. Yeah. It is, isn't it? It is. Yeah. I wish I had that crystal ball. It would be very helpful. Oh, wow. Yeah. Yeah. And it's timing, and you just gotta be yeah. It's all about timing, these sorts of things. Alright. So my action items from this is I'm going to send you an introduction email for estate planning with a brochure attached. I'm gonna send you some information on insurances for you and Melissa to have a chat through. And I am going to look at alternatives for those funds that we did discuss. What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things? And I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with. Yep. Okay. Beautiful. Alright. Well, I'll get this information out to you as soon as possible. But in the meantime, do you have any other questions? Oh, fantastic. Alright. Well, if you come up with anything in the meantime, please give me a call, and I'll speak to you soon. Thanks a lot for your time. Enjoy your afternoon. 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Steven. It's Jenna here from Oakview Financial phoning for annual review. Hi, Steven. It's Jenna here phoning from Oakview Financial. How are you today?\n\nI'm good. Thank you. I just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep.\n\nWonderful. And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please? Please? Okay. So yeah.\n\nI yes. That's fine. And what about your date birth? Perfect. So your client password is LykesterFC or like yeah.\n\nFootball team, it says. Yeah. There you go. Did you wanna change that at all, or are you happy with that? Okay.\n\nBeautiful. Fantastic. Just hoping not to take too much of your time today. Do you have time now to run through your annual review? Beautiful.\n\nWhat I'll start by doing is just making sure the information that we have on file is up to date and current. Now I know you've purchased a new home, so that probably needs to be updated. So what I'm going to do is just start with items that are likely to have changed since your last review. So are you sing are you still single? Or yep.\n\nOh, wow. Congratulations. How about your daughter? Oh, wow. And what's her name?\n\nOh, that's a beauty. I was I had that on my list. I love that name. And yeah. And what's your partner's name?\n\nMelissa? Same surname? Or beautiful. Beautiful. Now with what we usually do is have a next of kin on file.\n\nAre you would that be Melissa for you? Yeah. And what's her best contact number if we are ever unable to reach you? Yep. Four zero five.\n\nYep. 207. Okay. Additionally, the I have you down as a sign installer. Is that still correct?\n\nOkay. I'm just updating that. Okay. Are you still self employed? Yep.\n\nYep. That's good. That's good. And on average, how many hours per week do you work? Yeah.\n\nOkay. Do you and how many years have you been in the industry? Wow. Yep. Perfect.\n\nThat's alright. And your business is still called Tucker's Installations? Fantastic. Alright. We've got your income down here as 80,000.\n\nDo you think that would be correct? Okay. That's fine. Being self employed, is there any other income that is potentially directed towards your spouse or partner? Nope.\n\nNo. Yep. Yep. Yep. Perfect.\n\nYep. That's all good. And your expenditure per week, what do you estimate that to be? Excluding oh, including or excluding mortgage repayment. It's up to you.\n\nInclude including 900. Yep. Beautiful. And what about any savings per week? Yep.\n\nBeautiful. Are you making super contributions on your own behalf? Okay. The 12%? Yep.\n\nThat's fine. Beautiful. Are you doing any more or just the 12%? Yep. Okay.\n\nAre you wanting to do any more at the present time? Yep. Okay. No. That's fine.\n\nWe always just like to just double check to make sure if there's anything that we do need to touch on that, you know, we've covered it off with you. The new home that you purchased, how much do you estimate that to be valued at? Beautiful. And what's the debt attached to it? $7.50 or yeah.\n\nAny ideas? Yep. $7.70. Okay. Any other assets or debts that you have?\n\nYes. Yeah. Lovely. And that's through the business, is it? Okay.\n\nWhat's the value of that? Okay. And any any of the debts attached to that? Yep. Okay.\n\nSo $45.40. Yep. Okay. That's okay. Any other assets or debts?\n\nNo? Fantastic. Alright. Sorry about this question. I have to ask too.\n\nHave you ever been declared bankrupt? No. And are you a tax resident of any country outside of Australia? Are you a tax resident of any other country except Australia? Yeah.\n\nFantastic. Beautiful. I've got you listed here as a nonsmoker. Is that still the case? Beautiful.\n\nAny significant health issues or injuries since our last review? And full recovery? Beautiful. They I've I've had a fractured wrist, and they've they're pretty hard to pick up on. Oh, it's a waste away.\n\nDo you have any private health insurance? Sorry. What was the company's name? Qantas. Oh, sorry about that.\n\nThat's a might need to update that. Do you take any regular medication? No. And what's your we've got your height at a hundred and seventy eight centimeters. Have you grown or shrunk?\n\nYep. And we have you weighed at a hundred and fifteen. Okay. Beautiful. And do you have a will or power of attorney in place?\n\nNo. Okay. What I might do is talk to you a little bit about that just in relation to having a young child now and a and a partner. It's probably something that you need to do you do need to look at. Oh my god.\n\nI am so sorry. I'm so sorry for your loss. I'm sorry. Yeah. That's awful.\n\nYeah. Oh, gosh. Well, I hopefully, you had the chance to say goodbye and all those shots. No? Oh, okay.\n\nOkay. Yeah. Oh, gosh. I'm so sorry to hear that. Yes.\n\nOkay. So you obviously know the importance on that, so I won't touch anymore on that. But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use. They are very affordable and just send that out to you for you to have a look at, and we can introduce you to them should you decide to go down that path. Okay.\n\nOkay. Now we haven't done a risk profile in a little bit. I just wanna complete that quickly with you because I have you here as a growth in Vista, but your portfolio, which we'll touch on in a little bit, is more of a balanced approach. Yeah. So I just wanna run through with you.\n\nAsk it's about six or so questions, and there's no right or wrong answer. It's just your gut feeling and your first reaction super fund, you do have managed investments. So that's that does count as well. Once your investment has been placed, how long would you need before you access to it? So you're 34, so you can't access it till 60.\n\nWould it be longer than ten years? Yes. Yep. Alright. Inflation means things are getting a little bit more expensive over time, making your money worthless.\n\nHow much risk are you willing to take to keep up with this rising prices? Would you be willing to take very high risks, high risks, moderate, a small amount, or or none at all? Moderate? Yep. That's correct.\n\nYeah. Yep. We can run through that as well shortly. How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market? Would you invest more for growth either heavily or modestly?\n\nWould you hold and Hold and wait. Or you could invest moderately for growth. Yeah. Okay. What kind of return do you expect from your investments over the long term?\n\n8% and above, six to 8%, four to six, two to four, zero to two. Yep. And have your investments, including your superannuation, ever dropped in value? And if so, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, or highly anxious, Yep.\n\nYep. Yeah. So would it would you be cautious making no further investments, or would you be concerned? Yep. Okay.\n\nBeautiful. Yeah. Of course. And have you ever thought about taking out money to a loan to invest? So the answer is obviously yes because you've purchased your home.\n\nBut would you be open to borrowing for stocks and funds or for an investment property? Yep. Yep. Fantastic. True.\n\nSo you have come out a a growth investor, which is what you were previously. So what that means is that a growth risk profile typically has an allocation of 80 percent of their assets to growth assets and 20% to defensive assets. At the moment, your super fund has about 71.5 to gross assets and 28.5 to defensive assets. So you're about 10 out on either side. So, I mean, are you comfortable with a growth investment profile?\n\nIt does mean a growth investment part investment profile would be at least a six year minimum time frame. You'd have a likelihood of a negative return of one in every five years, and your expected return in that class would be between seven to 9% grosser fees. So it it would hit you'd probably settle somewhere around that 8% mark, typically. So just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that. Yep.\n\nOkay. Now that I've just confirmed that, what I wanna do is just revisit your goals from last time you had a review just to check and make sure that they're still appropriate. One was to your first one was to buy a house in the next little bit, which you have ticked off, which is fantastic. A long term goal was you just wanna be comfortable and have a healthy source of income. Is that in is that for retirement, or is that yeah.\n\nYeah. Yeah. Okay. So is one of yep. Yep.\n\nOkay. Yep. Yep. Yeah. I understand that.\n\nIs there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own? Off that account. Yep. Beautiful. Yes.\n\nThat's fine. That's absolutely fine. You have here for retirement, you'd like to retire at the age of 60 with an income of 600 per week. Now that's probably based on when pre daughter and partner. What do you think that looks like now?\n\n12 so still 60, but 1,200 a week. Yep. And that and yeah. Enjoying life. So so you'd wanna be debt free as well by then?\n\nYep. Beautiful. Yeah. Yeah. Yeah.\n\nThe equity. Yeah. Of course. Beautiful. You said that you wanna get your funds growing for you at a better rate and make more money through your super.\n\nStill applicable? Yep. And last time, you didn't really want to seek any advice on insurance policies. Is that still your stance now given that you have a young daughter and a mortgage and a partner? And probably without you, there would be no Yeah.\n\nAlright. What I'm gonna do is send you some information on the different types of insurances available. I'm going to strongly recommend you and your partner have a chat about it. There are I'll put together some information, just some general information for you, but we will it's probably something that we do need to look out for you and something that we we should prioritize. So outside of that, we've got your estate planning.\n\nSo being the wills, I'll send through to you. The other thing I just wanted to flag is that for your superannuation fund with Hub twenty four, your beneficiary noted is Tracy Tucker. Okay. I need to update. Okay.\n\nBeautiful. Update. I'm just gonna make a note of this to Melissa. What is Melissa's date of birth? 1991.\n\nOkay. Fantastic. I'll make sure that that's in recorded in our documents, and we can get that all sent out. With that, it will require a wet signature. Do you have access to a printer, or would you like me to post it?\n\nOkay. You'll need two witnesses, and Melissa will not be able to be one of them, though, because she will be beneficiary. Alright. Fantastic. What I'm going to do while we continue to talk, I'm just gonna send do you have access to your emails at the moment?\n\nBeautiful. I'm just sending through some documents that will come through from OdooSign. It's just your pack that we're gonna talk through. And there we go. So you let me know when you've got those documents open.\n\nI think you gotta click on sign, but you don't actually sign anything. It'll just take you through all the oh, you got it? Beautiful. Alright. So the first document you'll see is just a summary of your superannuation fund with the balance as of the thirty first sitting at approximately 109.\n\nThat's good. That's a good thing. The next document over is your performance for return for the last twelve months. So, overall, it was so net of fees, so after fees, 5.57%. So we've fallen short of that seven to 9% mark because of the asset allocation, but you'll also see that first fund at the top, and along Australian equities, that they performed not great.\n\nOne of our so it's that's not to say that the Australian share market did not perform well. It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market, growth opportunities. Now, unfortunately, for them, that that didn't pay off, and we had you had more of the higher ASX 200, so being the banks and the bigger companies that performed well in the market. So one of the things that I'd like to do is look at potential replacements, investigate some replacements of that for you. Is that are you happy with that?\n\nBeautiful. And the other one that I would like to investigate a little bit further is the next one down, the beta bank hybrid fund. Now the reason for that being is that the banks are phasing out the hybrids, and they'll cease in around January 2027. So what I'd like to do is there's no need to necessarily rush out of it, but I would like to have a look at other options and investigate what we could do in the meantime and if it's a better outcome for you, if that's okay. Fantastic.\n\nThe next document over is your Vanguard index chart. Now this is probably where we talked a bit about your gross and defensive assets. So the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets. So, ideally, that's where we want 80% of your funds to be spread across. You'll see the volatility associated with those those sectors and that over time, you will experience volatility.\n\nSo I guess this we use this chart as a visual for clients to help understand where their funds are invested at. The remaining 20% is in items such as the Australian bonds and cash. So they're your defensive type assets that allow for more of an income. You will see that there is growth at times, but they're more income producing assets and to ensure that your your portfolio is does have a defensive allocation to it. Any questions about that?\n\nNo? Okay. Beautiful. The next document is our financial license is, that we're licensed through ASIC, and, additionally, additionally, what services we provide and how we provide advice, our fee structure, and complaints handling process. So processes if you are unhappy with any of the services that we provide to you.\n\nAnd finally, the last document is the consent to the ongoing service fee. So this is our fee that we charge for our services. So you'll see at the bottom of the first page that fee is estimated to be $1,888.67 per annum. What what that what well, how that's charged is it's divided by 12 and then charged monthly from your superannuation fund, hub 24. So what that advice service fee covers is the advice contained within your superannuation and your ongoing reviews.\n\nAnd in saying that, you're not limited to one review per year. If you've got some questions you'd like to ask or anything comes up or there's potentially a new a new situation that you need to discuss, you just get in contact and and phone us, and we book in a time. So the only document that requires signing is that last one. But before you do, just make sure you're comfortable and happy with it and that you are happy to continue as a client with Oakview and, also, that you're happy with Hub as well. Fantastic.\n\nBeautiful. That's lovely. And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent? Yep. Yeah.\n\nIt is, isn't it? It is. Yeah. I wish I had that crystal ball. It would be very helpful.\n\nOh, wow. Yeah. Yeah. And it's timing, and you just gotta be yeah. It's all about timing, these sorts of things.\n\nAlright. So my action items from this is I'm going to send you an introduction email for estate planning with a brochure attached. I'm gonna send you some information on insurances for you and Melissa to have a chat through. And I am going to look at alternatives for those funds that we did discuss. What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things?\n\nAnd I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with. Yep. Okay. Beautiful. Alright.\n\nWell, I'll get this information out to you as soon as possible. But in the meantime, do you have any other questions? Oh, fantastic. Alright. Well, if you come up with anything in the meantime, please give me a call, and I'll speak to you soon.\n\nThanks a lot for your time. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":7.68,"end":8.48,"sentiment":"neutral","sentiment_score":0.06330664828419685},{"text":"It's Jenna here from Oakview Financial phoning for annual review.","start":8.48,"end":13.155001,"sentiment":"neutral","sentiment_score":0.09277666285634041},{"text":"Hi, Steven.","start":28.11,"end":28.83,"sentiment":"neutral","sentiment_score":0.13121560961008072},{"text":"It's Jenna here phoning from Oakview Financial.","start":28.83,"end":31.01,"sentiment":"neutral","sentiment_score":0.14586715825966426},{"text":"How are you today?","start":31.07,"end":31.970001,"sentiment":"neutral","sentiment_score":0.19746672734618187}],"sentiment":"neutral","sentiment_score":0.12510992646217345,"num_words":25,"start":7.68,"end":31.970001},{"sentences":[{"text":"I'm good.","start":33.63,"end":34.35,"sentiment":"positive","sentiment_score":0.42172954976558685},{"text":"Thank you.","start":34.35,"end":35.17,"sentiment":"positive","sentiment_score":0.5211774557828903},{"text":"I just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":35.79,"end":41.425,"sentiment":"neutral","sentiment_score":0.040343021236670516},{"text":"Is that okay?","start":41.425,"end":42.245,"sentiment":"neutral","sentiment_score":0.04524607708056768},{"text":"Yep.","start":43.665,"end":43.985,"sentiment":"neutral","sentiment_score":0.18174996972084043}],"sentiment":"neutral","sentiment_score":0.09911046005436219,"num_words":32,"start":33.63,"end":43.985},{"sentences":[{"text":"Wonderful.","start":43.985,"end":44.465,"sentiment":"positive","sentiment_score":0.3893101215362549},{"text":"And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please?","start":44.465,"end":50.73,"sentiment":"neutral","sentiment_score":0.0334093893567721},{"text":"Please?","start":56.01,"end":56.51,"sentiment":"neutral","sentiment_score":-0.07259547710418701},{"text":"Okay.","start":56.89,"end":57.21,"sentiment":"neutral","sentiment_score":-0.010220073163509367},{"text":"So yeah.","start":57.21,"end":58.25,"sentiment":"neutral","sentiment_score":-0.004521933849900961}],"sentiment":"neutral","sentiment_score":0.037906070625216795,"num_words":29,"start":43.985,"end":58.25},{"sentences":[{"text":"I yes.","start":58.25,"end":62.89,"sentiment":"neutral","sentiment_score":0.005762645974755287},{"text":"That's fine.","start":62.89,"end":63.29,"sentiment":"neutral","sentiment_score":0.02417299523949623},{"text":"And what about your date birth?","start":63.29,"end":67.015,"sentiment":"neutral","sentiment_score":0.0034499897932012877},{"text":"Perfect.","start":67.235,"end":67.735,"sentiment":"neutral","sentiment_score":0.06296873837709427},{"text":"So your client password is LykesterFC or like yeah.","start":68.115,"end":73.235,"sentiment":"neutral","sentiment_score":0.006882644310179684}],"sentiment":"neutral","sentiment_score":0.01027418791782111,"num_words":20,"start":58.25,"end":73.235},{"sentences":[{"text":"Football team, it says.","start":73.235,"end":74.695,"sentiment":"neutral","sentiment_score":-0.005816959426738322},{"text":"Yeah.","start":74.755005,"end":75.155,"sentiment":"neutral","sentiment_score":-0.010590345598757269},{"text":"There you go.","start":75.155,"end":75.975,"sentiment":"neutral","sentiment_score":-0.013594706853230795},{"text":"Did you wanna change that at all, or are you happy with that?","start":77.39,"end":79.97,"sentiment":"neutral","sentiment_score":-0.05558043503417419},{"text":"Okay.","start":81.47,"end":81.869995,"sentiment":"neutral","sentiment_score":0.08400122821331024}],"sentiment":"neutral","sentiment_score":-0.03241757868619805,"num_words":22,"start":73.235,"end":81.869995},{"sentences":[{"text":"Beautiful.","start":81.869995,"end":82.369995,"sentiment":"positive","sentiment_score":0.3916555643081665},{"text":"Fantastic.","start":82.67,"end":83.17,"sentiment":"positive","sentiment_score":0.4509044885635376},{"text":"Just hoping not to take too much of your time today.","start":84.03,"end":86.99,"sentiment":"neutral","sentiment_score":0.07940026304938576},{"text":"Do you have time now to run through your annual review?","start":86.99,"end":89.97,"sentiment":"neutral","sentiment_score":0.04261724752458659},{"text":"Beautiful.","start":91.71,"end":92.21,"sentiment":"positive","sentiment_score":0.3817763030529022}],"sentiment":"neutral","sentiment_score":0.10266115888953209,"num_words":25,"start":81.869995,"end":92.21},{"sentences":[{"text":"What I'll start by doing is just making sure the information that we have on file is up to date and current.","start":92.744995,"end":97.865,"sentiment":"neutral","sentiment_score":0.07676575231281194},{"text":"Now I know you've purchased a new home, so that probably needs to be updated.","start":97.865,"end":102.125,"sentiment":"neutral","sentiment_score":-0.007717275992035866},{"text":"So what I'm going to do is just start with items that are likely to have changed since your last review.","start":102.905,"end":110.560005,"sentiment":"neutral","sentiment_score":-0.01638902120646976},{"text":"So are you sing are you still single?","start":111.020004,"end":114.62,"sentiment":"neutral","sentiment_score":-0.011828172486275434},{"text":"Or yep.","start":114.62,"end":117.200005,"sentiment":"neutral","sentiment_score":-0.023644584231078625}],"sentiment":"neutral","sentiment_score":0.015985344372251454,"num_words":68,"start":92.744995,"end":117.200005},{"sentences":[{"text":"Oh, wow.","start":117.58,"end":118.3,"sentiment":"neutral","sentiment_score":0.16933098435401917},{"text":"Congratulations.","start":118.3,"end":118.8,"sentiment":"neutral","sentiment_score":0.24612125754356384},{"text":"How about your daughter?","start":120.145,"end":121.284996,"sentiment":"neutral","sentiment_score":0.1020639967173338},{"text":"Oh, wow.","start":124.065,"end":124.965,"sentiment":"neutral","sentiment_score":0.05164082162082195},{"text":"And what's her name?","start":125.025,"end":126.325,"sentiment":"neutral","sentiment_score":0.03006965620443225}],"sentiment":"neutral","sentiment_score":0.09358457547540848,"num_words":13,"start":117.58,"end":126.325},{"sentences":[{"text":"Oh, that's a beauty.","start":128.145,"end":129.025,"sentiment":"positive","sentiment_score":0.3348105549812317},{"text":"I was I had that on my list.","start":129.025,"end":130.805,"sentiment":"neutral","sentiment_score":0.05582687130663544},{"text":"I love that name.","start":131.905,"end":133.125,"sentiment":"positive","sentiment_score":0.7383711785078049},{"text":"And yeah.","start":133.8,"end":137.1,"sentiment":"neutral","sentiment_score":0.12487018853425978},{"text":"And what's your partner's name?","start":137.32,"end":139.42,"sentiment":"neutral","sentiment_score":0.028494910150766373}],"sentiment":"neutral","sentiment_score":0.2231111666187644,"num_words":23,"start":128.145,"end":139.42},{"sentences":[{"text":"Melissa?","start":141.32,"end":141.82,"sentiment":"neutral","sentiment_score":0.00922255963087082},{"text":"Same surname?","start":144.04001,"end":144.86,"sentiment":"neutral","sentiment_score":0.012638831045478582},{"text":"Or beautiful.","start":144.92,"end":149.295,"sentiment":"neutral","sentiment_score":0.32550198305398226},{"text":"Beautiful.","start":149.455,"end":149.955,"sentiment":"positive","sentiment_score":0.6755530834197998},{"text":"Now with what we usually do is have a next of kin on file.","start":150.175,"end":156.675,"sentiment":"neutral","sentiment_score":0.08675371589405197}],"sentiment":"neutral","sentiment_score":0.128780464688316,"num_words":20,"start":141.32,"end":156.675},{"sentences":[{"text":"Are you would that be Melissa for you?","start":156.895,"end":159.395,"sentiment":"neutral","sentiment_score":0.029057189007289708},{"text":"Yeah.","start":160.735,"end":161.215,"sentiment":"neutral","sentiment_score":0.0012266477569937706},{"text":"And what's her best contact number if we are ever unable to reach you?","start":161.215,"end":165.70999,"sentiment":"neutral","sentiment_score":-0.01832477967920048},{"text":"Yep.","start":169.61,"end":170.11,"sentiment":"neutral","sentiment_score":-0.00030603757477365434},{"text":"Four zero five.","start":180.875,"end":181.75499,"sentiment":"neutral","sentiment_score":0.0007604395505040884}],"sentiment":"neutral","sentiment_score":-0.0007736101709909874,"num_words":27,"start":156.895,"end":181.75499},{"sentences":[{"text":"Yep.","start":181.75499,"end":182.25499,"sentiment":"neutral","sentiment_score":0.004171372391283512},{"text":"207.","start":184.875,"end":185.855,"sentiment":"neutral","sentiment_score":0.0026692263782024384},{"text":"Okay.","start":186.715,"end":187.215,"sentiment":"neutral","sentiment_score":0.01328505389392376},{"text":"Additionally, the I have you down as a sign installer.","start":189.75499,"end":194.33499,"sentiment":"neutral","sentiment_score":0.0048922297544777395},{"text":"Is that still correct?","start":194.39499,"end":195.70999,"sentiment":"neutral","sentiment_score":0.009279240854084492}],"sentiment":"neutral","sentiment_score":0.00624499491908971,"num_words":17,"start":181.75499,"end":195.70999},{"sentences":[{"text":"Okay.","start":202.81,"end":203.31,"sentiment":"neutral","sentiment_score":0.025015074759721756},{"text":"I'm just updating that.","start":205.61,"end":207.72499,"sentiment":"neutral","sentiment_score":0.01980314776301384},{"text":"Okay.","start":213.305,"end":213.705,"sentiment":"neutral","sentiment_score":0.01244397833943367},{"text":"Are you still self employed?","start":213.705,"end":215.08499,"sentiment":"neutral","sentiment_score":0.003349735029041767},{"text":"Yep.","start":217.305,"end":217.805,"sentiment":"neutral","sentiment_score":0.04920186847448349}],"sentiment":"neutral","sentiment_score":0.01521851564757526,"num_words":12,"start":202.81,"end":217.805},{"sentences":[{"text":"Yep.","start":218.985,"end":219.465,"sentiment":"neutral","sentiment_score":0.13791733980178833},{"text":"That's good.","start":219.465,"end":220.265,"sentiment":"positive","sentiment_score":0.4021154046058655},{"text":"That's good.","start":220.265,"end":221.08499,"sentiment":"positive","sentiment_score":0.40868353843688965},{"text":"And on average, how many hours per week do you work?","start":221.27,"end":224.17,"sentiment":"neutral","sentiment_score":0.029366817748682064},{"text":"Yeah.","start":232.07,"end":232.57,"sentiment":"neutral","sentiment_score":0.020999005064368248}],"sentiment":"neutral","sentiment_score":0.12373818977571585,"num_words":17,"start":218.985,"end":232.57},{"sentences":[{"text":"Okay.","start":233.99,"end":234.49,"sentiment":"neutral","sentiment_score":0.0145855275914073},{"text":"Do you and how many years have you been in the industry?","start":238.015,"end":241.395,"sentiment":"neutral","sentiment_score":0.007697410105417172},{"text":"Wow.","start":248.57501,"end":249.03,"sentiment":"neutral","sentiment_score":0.03384244814515114},{"text":"Yep.","start":253.83,"end":253.91,"sentiment":"neutral","sentiment_score":0.08880680799484253},{"text":"Perfect.","start":253.91,"end":254.41,"sentiment":"neutral","sentiment_score":0.2776367664337158}],"sentiment":"neutral","sentiment_score":0.03170252946438268,"num_words":16,"start":233.99,"end":254.41},{"sentences":[{"text":"That's alright.","start":254.47,"end":255.11,"sentiment":"neutral","sentiment_score":0.14772633463144302},{"text":"And your business is still called Tucker's Installations?","start":255.11,"end":257.45,"sentiment":"neutral","sentiment_score":0.03478754544630647},{"text":"Fantastic.","start":259.83,"end":260.33,"sentiment":"neutral","sentiment_score":0.2617572844028473},{"text":"Alright.","start":261.795,"end":262.295,"sentiment":"neutral","sentiment_score":0.10234477370977402},{"text":"We've got your income down here as 80,000.","start":262.675,"end":265.555,"sentiment":"neutral","sentiment_score":0.06157044181600213}],"sentiment":"neutral","sentiment_score":0.07152093127369881,"num_words":20,"start":254.47,"end":265.555},{"sentences":[{"text":"Do you think that would be correct?","start":265.555,"end":267.095,"sentiment":"neutral","sentiment_score":0.0363609604537487},{"text":"Okay.","start":273.875,"end":274.275,"sentiment":"neutral","sentiment_score":0.06340645253658295},{"text":"That's fine.","start":274.275,"end":275.095,"sentiment":"neutral","sentiment_score":0.06936021894216537},{"text":"Being self employed, is there any other income that is potentially directed towards your spouse or partner?","start":277.55,"end":286.93,"sentiment":"neutral","sentiment_score":-0.007295149159343804},{"text":"Nope.","start":287.95,"end":288.345,"sentiment":"neutral","sentiment_score":-0.05633090063929558}],"sentiment":"neutral","sentiment_score":0.009868042044607657,"num_words":28,"start":265.555,"end":288.345},{"sentences":[{"text":"No.","start":288.425,"end":288.925,"sentiment":"neutral","sentiment_score":-0.03685513883829117},{"text":"Yep.","start":291.465,"end":291.965,"sentiment":"neutral","sentiment_score":0.01720334216952324},{"text":"Yep.","start":295.305,"end":295.805,"sentiment":"neutral","sentiment_score":0.005454370751976967},{"text":"Yep.","start":296.585,"end":297.085,"sentiment":"neutral","sentiment_score":0.05494992062449455},{"text":"Perfect.","start":297.145,"end":297.645,"sentiment":"positive","sentiment_score":0.5211867094039917}],"sentiment":"neutral","sentiment_score":0.11238784082233906,"num_words":5,"start":288.425,"end":297.645},{"sentences":[{"text":"Yep.","start":298.825,"end":299.325,"sentiment":"neutral","sentiment_score":0.11894768476486206},{"text":"That's all good.","start":299.385,"end":300.36,"sentiment":"positive","sentiment_score":0.6523313522338867},{"text":"And your expenditure per week, what do you estimate that to be?","start":301.56,"end":305.18,"sentiment":"neutral","sentiment_score":0.029015593230724335},{"text":"Excluding oh, including or excluding mortgage repayment.","start":305.47998,"end":309.15997,"sentiment":"neutral","sentiment_score":-0.014227423816919327},{"text":"It's up to you.","start":309.15997,"end":310.21997,"sentiment":"neutral","sentiment_score":0.012515173526480794}],"sentiment":"neutral","sentiment_score":0.08794805880084082,"num_words":27,"start":298.825,"end":310.21997},{"sentences":[{"text":"Include including 900.","start":325.015,"end":326.855,"sentiment":"neutral","sentiment_score":0.024166411409775417},{"text":"Yep.","start":326.855,"end":327.255,"sentiment":"neutral","sentiment_score":0.06603734195232391},{"text":"Beautiful.","start":327.255,"end":327.755,"sentiment":"neutral","sentiment_score":0.32471388578414917},{"text":"And what about any savings per week?","start":328.41998,"end":330.75998,"sentiment":"neutral","sentiment_score":0.08885480609855481},{"text":"Yep.","start":334.09998,"end":334.59998,"sentiment":"neutral","sentiment_score":0.08479546755552292}],"sentiment":"neutral","sentiment_score":0.09000227478547738,"num_words":13,"start":325.015,"end":334.59998},{"sentences":[{"text":"Beautiful.","start":334.66,"end":335.16,"sentiment":"neutral","sentiment_score":0.27076664566993713},{"text":"Are you making super contributions on your own behalf?","start":336.97998,"end":342.325,"sentiment":"neutral","sentiment_score":0.09218480810523033},{"text":"Okay.","start":342.325,"end":342.825,"sentiment":"neutral","sentiment_score":0.027818385511636737},{"text":"The 12%?","start":344.565,"end":345.625,"sentiment":"neutral","sentiment_score":0.013276403769850733},{"text":"Yep.","start":346.08502,"end":346.58502,"sentiment":"neutral","sentiment_score":0.04778589308261871}],"sentiment":"neutral","sentiment_score":0.08589907176792622,"num_words":14,"start":334.66,"end":346.58502},{"sentences":[{"text":"That's fine.","start":346.64502,"end":347.545,"sentiment":"neutral","sentiment_score":0.20174971222877502},{"text":"Beautiful.","start":347.92502,"end":348.42502,"sentiment":"neutral","sentiment_score":0.2532958686351776},{"text":"Are you doing any more or just the 12%?","start":348.965,"end":352.025,"sentiment":"neutral","sentiment_score":0.017623760427037876},{"text":"Yep.","start":353.765,"end":354.265,"sentiment":"neutral","sentiment_score":0.009534629061818125},{"text":"Okay.","start":354.325,"end":354.825,"sentiment":"neutral","sentiment_score":0.005869228392839432}],"sentiment":"neutral","sentiment_score":0.05934378531362329,"num_words":14,"start":346.64502,"end":354.825},{"sentences":[{"text":"Are you wanting to do any more at the present time?","start":355.27,"end":358.16998,"sentiment":"neutral","sentiment_score":-0.03665195473215797},{"text":"Yep.","start":363.66998,"end":364.16998,"sentiment":"neutral","sentiment_score":0.007384974509477615},{"text":"Okay.","start":366.15,"end":366.65,"sentiment":"neutral","sentiment_score":-0.0004535149782896042},{"text":"No.","start":367.27,"end":367.50998,"sentiment":"neutral","sentiment_score":-0.03342308849096298},{"text":"That's fine.","start":367.50998,"end":368.33,"sentiment":"neutral","sentiment_score":0.017560450360178947}],"sentiment":"neutral","sentiment_score":-0.02465888939332217,"num_words":16,"start":355.27,"end":368.33},{"sentences":[{"text":"We always just like to just double check to make sure if there's anything that we do need to touch on that, you know, we've covered it off with you.","start":368.46997,"end":378.535,"sentiment":"neutral","sentiment_score":0.010256617531801264},{"text":"The new home that you purchased, how much do you estimate that to be valued at?","start":380.515,"end":385.26,"sentiment":"neutral","sentiment_score":0.015224639733787626},{"text":"Beautiful.","start":393.88,"end":394.38,"sentiment":"neutral","sentiment_score":0.2292335331439972},{"text":"And what's the debt attached to it?","start":397.32,"end":399.54498,"sentiment":"neutral","sentiment_score":-0.000943529286554881},{"text":"$7.50 or yeah.","start":408.485,"end":410.645,"sentiment":"neutral","sentiment_score":0.005594765301793814}],"sentiment":"neutral","sentiment_score":0.013872033083125165,"num_words":57,"start":368.46997,"end":410.645},{"sentences":[{"text":"Any ideas?","start":410.645,"end":411.24,"sentiment":"neutral","sentiment_score":0.0016818339936435223},{"text":"Yep.","start":412.75998,"end":413.25998,"sentiment":"neutral","sentiment_score":0.00012734408664982766},{"text":"$7.70.","start":415.08,"end":415.9,"sentiment":"neutral","sentiment_score":0.0012249290011823175},{"text":"Okay.","start":416.12,"end":416.62,"sentiment":"neutral","sentiment_score":0.02479787915945053},{"text":"Any other assets or debts that you have?","start":417.31998,"end":420.13998,"sentiment":"neutral","sentiment_score":0.012906944612041116}],"sentiment":"neutral","sentiment_score":0.010213029010069126,"num_words":13,"start":410.645,"end":420.13998},{"sentences":[{"text":"Yes.","start":424.59998,"end":424.815,"sentiment":"neutral","sentiment_score":0.12000368535518646},{"text":"Yeah.","start":427.45502,"end":427.95502,"sentiment":"neutral","sentiment_score":0.24593810737133023},{"text":"Lovely.","start":428.015,"end":428.515,"sentiment":"neutral","sentiment_score":0.28842756152153015},{"text":"And that's through the business, is it?","start":429.935,"end":432.115,"sentiment":"neutral","sentiment_score":0.04250815351094518},{"text":"Okay.","start":434.095,"end":434.595,"sentiment":"neutral","sentiment_score":0.026352383196353912}],"sentiment":"neutral","sentiment_score":0.0889344374564561,"num_words":11,"start":424.59998,"end":434.595},{"sentences":[{"text":"What's the value of that?","start":434.73502,"end":436.355,"sentiment":"neutral","sentiment_score":0.01793374214321375},{"text":"Okay.","start":451.03,"end":451.395,"sentiment":"neutral","sentiment_score":0.008659976534545422},{"text":"And any any of the debts attached to that?","start":451.63498,"end":460.65497,"sentiment":"neutral","sentiment_score":-0.009110796265304089},{"text":"Yep.","start":462.03497,"end":462.275,"sentiment":"neutral","sentiment_score":0.01577860116958618},{"text":"Okay.","start":462.275,"end":462.775,"sentiment":"neutral","sentiment_score":0.0162590853869915}],"sentiment":"neutral","sentiment_score":0.002845247495262062,"num_words":17,"start":434.73502,"end":462.775},{"sentences":[{"text":"So $45.40.","start":463.875,"end":467.33002,"sentiment":"neutral","sentiment_score":0.005734253209084272},{"text":"Yep.","start":470.59,"end":471.09,"sentiment":"neutral","sentiment_score":0.0019511962309479711},{"text":"Okay.","start":471.47,"end":471.97,"sentiment":"neutral","sentiment_score":0.003684626892209053},{"text":"That's okay.","start":474.35,"end":475.17,"sentiment":"neutral","sentiment_score":0.041284751147031784},{"text":"Any other assets or debts?","start":480.145,"end":482.885,"sentiment":"neutral","sentiment_score":0.008380330121144652}],"sentiment":"neutral","sentiment_score":0.01287049840373749,"num_words":11,"start":463.875,"end":482.885},{"sentences":[{"text":"No?","start":485.825,"end":486.325,"sentiment":"neutral","sentiment_score":-0.02886180579662323},{"text":"Fantastic.","start":486.70502,"end":487.20502,"sentiment":"neutral","sentiment_score":0.22504884004592896},{"text":"Alright.","start":487.825,"end":488.325,"sentiment":"neutral","sentiment_score":0.05201289057731629},{"text":"Sorry about this question.","start":489.585,"end":490.865,"sentiment":"neutral","sentiment_score":-0.11654056794941425},{"text":"I have to ask too.","start":490.865,"end":492.165,"sentiment":"neutral","sentiment_score":-0.09687870889902114}],"sentiment":"neutral","sentiment_score":-0.0585296576221784,"num_words":12,"start":485.825,"end":492.165},{"sentences":[{"text":"Have you ever been declared bankrupt?","start":492.53,"end":494.55,"sentiment":"neutral","sentiment_score":-0.04640583383540312},{"text":"No.","start":496.77,"end":497.27,"sentiment":"neutral","sentiment_score":-0.021908186376094815},{"text":"And are you a tax resident of any country outside of Australia?","start":497.81,"end":501.50998,"sentiment":"neutral","sentiment_score":-0.02916558086872101},{"text":"Are you a tax resident of any other country except Australia?","start":502.84998,"end":505.815,"sentiment":"neutral","sentiment_score":-0.027760081839832394},{"text":"Yeah.","start":510.115,"end":510.615,"sentiment":"neutral","sentiment_score":-0.031240781769156456}],"sentiment":"neutral","sentiment_score":-0.03183651102646705,"num_words":31,"start":492.53,"end":510.615},{"sentences":[{"text":"Fantastic.","start":512.355,"end":512.855,"sentiment":"positive","sentiment_score":0.4556159079074859},{"text":"Beautiful.","start":513.15497,"end":513.65497,"sentiment":"positive","sentiment_score":0.5086653232574463},{"text":"I've got you listed here as a nonsmoker.","start":514.595,"end":516.295,"sentiment":"neutral","sentiment_score":0.25800284929573536},{"text":"Is that still the case?","start":516.515,"end":517.79,"sentiment":"neutral","sentiment_score":0.14709778130054474},{"text":"Beautiful.","start":519.52997,"end":520.02997,"sentiment":"neutral","sentiment_score":0.19609951972961423}],"sentiment":"neutral","sentiment_score":0.24749327823519707,"num_words":16,"start":512.355,"end":520.02997},{"sentences":[{"text":"Any significant health issues or injuries since our last review?","start":520.41,"end":524.35,"sentiment":"neutral","sentiment_score":-0.021027311868965625},{"text":"And full recovery?","start":532.285,"end":533.26495,"sentiment":"neutral","sentiment_score":-0.02806975195805232},{"text":"Beautiful.","start":535.40497,"end":535.90497,"sentiment":"neutral","sentiment_score":-0.0659370869398117},{"text":"They I've I've had a fractured wrist, and they've they're pretty hard to pick up on.","start":540.125,"end":544.86,"sentiment":"neutral","sentiment_score":-0.27620810084044933},{"text":"Oh, it's a waste away.","start":555.16,"end":556.46,"sentiment":"negative","sentiment_score":-0.7712653040885925}],"sentiment":"neutral","sentiment_score":-0.24674501701125076,"num_words":35,"start":520.41,"end":556.46},{"sentences":[{"text":"Do you have any private health insurance?","start":558.32495,"end":560.745,"sentiment":"neutral","sentiment_score":-0.05571867259485381},{"text":"Sorry.","start":581.3,"end":581.54,"sentiment":"neutral","sentiment_score":-0.039400551468133926},{"text":"What was the company's name?","start":581.54,"end":582.90497,"sentiment":"neutral","sentiment_score":-0.02687123492360115},{"text":"Qantas.","start":584.32495,"end":584.76495,"sentiment":"neutral","sentiment_score":-0.02342427708208561},{"text":"Oh, sorry about that.","start":584.76495,"end":586.185,"sentiment":"neutral","sentiment_score":-0.06093592382967472}],"sentiment":"neutral","sentiment_score":-0.04616418925838338,"num_words":18,"start":558.32495,"end":586.185},{"sentences":[{"text":"That's a might need to update that.","start":590.165,"end":594.82495,"sentiment":"neutral","sentiment_score":-0.044751004448958805},{"text":"Do you take any regular medication?","start":596.84,"end":598.46,"sentiment":"neutral","sentiment_score":-0.001667782509078582},{"text":"No.","start":600.36,"end":600.86,"sentiment":"neutral","sentiment_score":-0.0918525904417038},{"text":"And what's your we've got your height at a hundred and seventy eight centimeters.","start":601.0,"end":605.02,"sentiment":"neutral","sentiment_score":-0.07386205212346145},{"text":"Have you grown or shrunk?","start":605.08,"end":607.42,"sentiment":"neutral","sentiment_score":-0.07505819946527481}],"sentiment":"neutral","sentiment_score":-0.05528715283920368,"num_words":33,"start":590.165,"end":607.42},{"sentences":[{"text":"Yep.","start":610.96497,"end":611.285,"sentiment":"neutral","sentiment_score":-0.002152822446078062},{"text":"And we have you weighed at a hundred and fifteen.","start":611.285,"end":613.385,"sentiment":"neutral","sentiment_score":-0.020179427228868008},{"text":"Okay.","start":618.885,"end":619.385,"sentiment":"neutral","sentiment_score":0.0977201908826828},{"text":"Beautiful.","start":619.525,"end":620.025,"sentiment":"neutral","sentiment_score":0.2081064879894257},{"text":"And do you have a will or power of attorney in place?","start":620.565,"end":623.865,"sentiment":"neutral","sentiment_score":0.04912922034660975}],"sentiment":"neutral","sentiment_score":0.027657209131866693,"num_words":25,"start":610.96497,"end":623.865},{"sentences":[{"text":"No.","start":625.365,"end":625.68,"sentiment":"neutral","sentiment_score":-0.07570434361696243},{"text":"Okay.","start":626.16,"end":626.66,"sentiment":"neutral","sentiment_score":-0.04720518738031387},{"text":"What I might do is talk to you a little bit about that just in relation to having a young child now and a and a partner.","start":631.12,"end":638.16,"sentiment":"neutral","sentiment_score":-0.09617035670412911},{"text":"It's probably something that you need to do you do need to look at.","start":638.16,"end":641.655,"sentiment":"neutral","sentiment_score":-0.1370065552847726},{"text":"Oh my god.","start":646.03503,"end":647.09503,"sentiment":"negative","sentiment_score":-0.3555262436469396}],"sentiment":"neutral","sentiment_score":-0.12400390580296516,"num_words":46,"start":625.365,"end":647.09503},{"sentences":[{"text":"I am so sorry.","start":647.55505,"end":648.775,"sentiment":"negative","sentiment_score":-0.3742317408323288},{"text":"I'm so sorry for your loss.","start":652.755,"end":654.195,"sentiment":"negative","sentiment_score":-0.5200667877991995},{"text":"I'm sorry.","start":654.195,"end":654.835,"sentiment":"neutral","sentiment_score":-0.30187971889972687},{"text":"Yeah.","start":654.835,"end":655.23505,"sentiment":"neutral","sentiment_score":-0.1123550832271576},{"text":"That's awful.","start":655.23505,"end":655.98,"sentiment":"neutral","sentiment_score":-0.24252162128686905}],"sentiment":"negative","sentiment_score":-0.38789903024832406,"num_words":15,"start":647.55505,"end":655.98},{"sentences":[{"text":"Yeah.","start":658.3,"end":658.8,"sentiment":"neutral","sentiment_score":-0.08013135194778442},{"text":"Oh, gosh.","start":665.5,"end":666.24,"sentiment":"neutral","sentiment_score":-0.02977243810892105},{"text":"Well, I hopefully, you had the chance to say goodbye and all those shots.","start":666.94,"end":673.355,"sentiment":"neutral","sentiment_score":-0.06497255260390895},{"text":"No?","start":673.815,"end":674.315,"sentiment":"neutral","sentiment_score":-0.12751060724258423},{"text":"Oh, okay.","start":676.615,"end":678.315,"sentiment":"neutral","sentiment_score":-0.026929340325295925}],"sentiment":"neutral","sentiment_score":-0.06153306262567639,"num_words":20,"start":658.3,"end":678.315},{"sentences":[{"text":"Okay.","start":680.215,"end":680.715,"sentiment":"neutral","sentiment_score":-0.0033641583286225796},{"text":"Yeah.","start":682.53503,"end":683.03503,"sentiment":"neutral","sentiment_score":-0.0032814648002386093},{"text":"Oh, gosh.","start":683.29,"end":683.85,"sentiment":"neutral","sentiment_score":-0.07415013387799263},{"text":"I'm so sorry to hear that.","start":683.85,"end":685.23,"sentiment":"negative","sentiment_score":-0.40221477548281354},{"text":"Yes.","start":688.73,"end":689.05,"sentiment":"neutral","sentiment_score":-0.10808533430099489}],"sentiment":"neutral","sentiment_score":-0.2433018070984293,"num_words":11,"start":680.215,"end":689.05},{"sentences":[{"text":"Okay.","start":689.05,"end":689.37,"sentiment":"neutral","sentiment_score":-0.042077019810676575},{"text":"So you obviously know the importance on that, so I won't touch anymore on that.","start":689.37,"end":693.61,"sentiment":"neutral","sentiment_score":-0.0999642754594485},{"text":"But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use.","start":693.61,"end":703.83496,"sentiment":"neutral","sentiment_score":0.2391463475567954},{"text":"They are very affordable and just send that out to you for you to have a look at, and we can introduce you to them should you decide to go down that path.","start":703.83496,"end":715.12,"sentiment":"positive","sentiment_score":0.4332955985358267},{"text":"Okay.","start":717.1,"end":717.6,"sentiment":"neutral","sentiment_score":0.11183319985866548}],"sentiment":"neutral","sentiment_score":0.2508351863003694,"num_words":78,"start":689.05,"end":717.6},{"sentences":[{"text":"Okay.","start":720.54,"end":721.04,"sentiment":"neutral","sentiment_score":0.07842235267162323},{"text":"Now we haven't done a risk profile in a little bit.","start":721.82,"end":727.025,"sentiment":"neutral","sentiment_score":0.0021370925347913394},{"text":"I just wanna complete that quickly with you because I have you here as a growth in Vista, but your portfolio, which we'll touch on in a little bit, is more of a balanced approach.","start":727.805,"end":740.305,"sentiment":"neutral","sentiment_score":0.159659329695361},{"text":"Yeah.","start":742.82,"end":743.32,"sentiment":"neutral","sentiment_score":0.04224669560790062},{"text":"So I just wanna run through with you.","start":743.38,"end":745.56,"sentiment":"neutral","sentiment_score":0.04993536602705717}],"sentiment":"neutral","sentiment_score":0.1094952952449343,"num_words":56,"start":720.54,"end":745.56},{"sentences":[{"text":"Ask it's about six or so questions, and there's no right or wrong answer.","start":746.42004,"end":751.4,"sentiment":"neutral","sentiment_score":-0.03513679244289441},{"text":"It's just your gut feeling and your first reaction super fund, you do have managed investments.","start":751.54004,"end":771.75,"sentiment":"neutral","sentiment_score":0.017855339916422963},{"text":"So that's that does count as well.","start":772.37006,"end":775.99005,"sentiment":"neutral","sentiment_score":0.08206145891121455},{"text":"Once your investment has been placed, how long would you need before you access to it?","start":777.25,"end":781.97003,"sentiment":"neutral","sentiment_score":-0.044159130193293095},{"text":"So you're 34, so you can't access it till 60.","start":781.97003,"end":785.43005,"sentiment":"neutral","sentiment_score":-0.07813130058348179}],"sentiment":"neutral","sentiment_score":-0.017772357652170792,"num_words":63,"start":746.42004,"end":785.43005},{"sentences":[{"text":"Would it be longer than ten years?","start":787.225,"end":789.245,"sentiment":"neutral","sentiment_score":-0.10460884336914335},{"text":"Yes.","start":791.225,"end":791.725,"sentiment":"neutral","sentiment_score":0.01067262515425682},{"text":"Yep.","start":791.785,"end":792.285,"sentiment":"neutral","sentiment_score":-0.0010634835343807936},{"text":"Alright.","start":792.58496,"end":793.08496,"sentiment":"neutral","sentiment_score":-0.07836433500051498},{"text":"Inflation means things are getting a little bit more expensive over time, making your money worthless.","start":793.625,"end":798.52496,"sentiment":"neutral","sentiment_score":-0.313984009437263}],"sentiment":"neutral","sentiment_score":-0.22402927876772502,"num_words":26,"start":787.225,"end":798.52496},{"sentences":[{"text":"How much risk are you willing to take to keep up with this rising prices?","start":799.26,"end":803.36005,"sentiment":"neutral","sentiment_score":-0.16948645611604055},{"text":"Would you be willing to take very high risks, high risks, moderate, a small amount, or or none at all?","start":803.5,"end":812.645,"sentiment":"neutral","sentiment_score":-0.12185191847383976},{"text":"Moderate?","start":813.665,"end":814.165,"sentiment":"neutral","sentiment_score":-0.05083567649126053},{"text":"Yep.","start":814.305,"end":814.805,"sentiment":"neutral","sentiment_score":-0.041535522788763046},{"text":"That's correct.","start":816.945,"end":817.745,"sentiment":"neutral","sentiment_score":0.11597469449043274}],"sentiment":"neutral","sentiment_score":-0.12409633388504004,"num_words":39,"start":799.26,"end":817.745},{"sentences":[{"text":"Yeah.","start":817.745,"end":818.225,"sentiment":"neutral","sentiment_score":0.11723771691322328},{"text":"Yep.","start":818.225,"end":818.725,"sentiment":"neutral","sentiment_score":0.11001674830913544},{"text":"We can run through that as well shortly.","start":818.785,"end":820.805,"sentiment":"neutral","sentiment_score":0.10210018197540194},{"text":"How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market?","start":822.545,"end":832.41,"sentiment":"neutral","sentiment_score":-0.29705766537066164},{"text":"Would you invest more for growth either heavily or modestly?","start":832.87,"end":834.6211,"sentiment":"neutral","sentiment_score":-0.1637186139822006}],"sentiment":"neutral","sentiment_score":-0.18791433703154325,"num_words":49,"start":817.745,"end":834.6211},{"sentences":[{"text":"Would you hold and Hold and wait.","start":834.6211,"end":857.32,"sentiment":"neutral","sentiment_score":-0.1804870409624917},{"text":"Or you could invest moderately for growth.","start":858.18,"end":861.07996,"sentiment":"neutral","sentiment_score":0.019882907292672565},{"text":"Yeah.","start":863.45996,"end":863.94,"sentiment":"neutral","sentiment_score":0.07975821197032928},{"text":"Okay.","start":863.94,"end":864.44,"sentiment":"neutral","sentiment_score":0.09464728832244872},{"text":"What kind of return do you expect from your investments over the long term?","start":865.7,"end":869.445,"sentiment":"neutral","sentiment_score":0.13950289839080401}],"sentiment":"neutral","sentiment_score":0.03344057140251001,"num_words":30,"start":834.6211,"end":869.445},{"sentences":[{"text":"8% and above, six to 8%, four to six, two to four, zero to two.","start":869.445,"end":875.46497,"sentiment":"neutral","sentiment_score":0.05818459863464038},{"text":"Yep.","start":878.805,"end":879.305,"sentiment":"neutral","sentiment_score":0.09125916659832},{"text":"And have your investments, including your superannuation, ever dropped in value?","start":879.845,"end":885.84,"sentiment":"neutral","sentiment_score":-0.027445953254672615},{"text":"And if so, how did it make you feel?","start":886.22,"end":888.3,"sentiment":"neutral","sentiment_score":0.025593389239576127},{"text":"Were you optimistic about future investments, cautious with no further investments planned, concerned, or highly anxious, Yep.","start":888.3,"end":915.62994,"sentiment":"neutral","sentiment_score":-0.21275144421002445}],"sentiment":"neutral","sentiment_score":-0.05140210166222082,"num_words":53,"start":869.445,"end":915.62994},{"sentences":[{"text":"Yep.","start":918.49,"end":918.99,"sentiment":"neutral","sentiment_score":-0.1279190182685852},{"text":"Yeah.","start":928.915,"end":929.395,"sentiment":"neutral","sentiment_score":-0.10856595635414124},{"text":"So would it would you be cautious making no further investments, or would you be concerned?","start":929.395,"end":934.855,"sentiment":"neutral","sentiment_score":-0.1457457458600402},{"text":"Yep.","start":937.395,"end":937.895,"sentiment":"neutral","sentiment_score":-0.022265132516622543},{"text":"Okay.","start":937.955,"end":938.455,"sentiment":"neutral","sentiment_score":-0.01290551945567131}],"sentiment":"neutral","sentiment_score":-0.13017937801778318,"num_words":20,"start":918.49,"end":938.455},{"sentences":[{"text":"Beautiful.","start":942.35,"end":942.85,"sentiment":"positive","sentiment_score":0.4242342710494995},{"text":"Yeah.","start":942.91,"end":943.41,"sentiment":"neutral","sentiment_score":0.16574794054031372},{"text":"Of course.","start":943.47,"end":944.13,"sentiment":"neutral","sentiment_score":0.10738985612988472},{"text":"And have you ever thought about taking out money to a loan to invest?","start":944.51,"end":950.05,"sentiment":"neutral","sentiment_score":0.029042092018893788},{"text":"So the answer is obviously yes because you've purchased your home.","start":950.765,"end":954.285,"sentiment":"neutral","sentiment_score":0.05472069199789654}],"sentiment":"neutral","sentiment_score":0.06252685600313647,"num_words":29,"start":942.35,"end":954.285},{"sentences":[{"text":"But would you be open to borrowing for stocks and funds or for an investment property?","start":954.285,"end":960.145,"sentiment":"neutral","sentiment_score":-0.007268677931278944},{"text":"Yep.","start":963.485,"end":963.985,"sentiment":"neutral","sentiment_score":-0.04861824959516525},{"text":"Yep.","start":964.205,"end":964.705,"sentiment":"neutral","sentiment_score":-0.10502620786428452},{"text":"Fantastic.","start":968.51996,"end":969.01996,"sentiment":"positive","sentiment_score":0.4762997627258301},{"text":"True.","start":969.56,"end":970.06,"sentiment":"neutral","sentiment_score":0.2595241665840149}],"sentiment":"neutral","sentiment_score":0.023294031247496606,"num_words":20,"start":954.285,"end":970.06},{"sentences":[{"text":"So you have come out a a growth investor, which is what you were previously.","start":970.51996,"end":975.66,"sentiment":"neutral","sentiment_score":0.17498458872238795},{"text":"So what that means is that a growth risk profile typically has an allocation of 80 percent of their assets to growth assets and 20% to defensive assets.","start":976.04,"end":989.33496,"sentiment":"neutral","sentiment_score":-0.006936400895938277},{"text":"At the moment, your super fund has about 71.5 to gross assets and 28.5 to defensive assets.","start":989.795,"end":1001.67,"sentiment":"neutral","sentiment_score":0.005640724619083545},{"text":"So you're about 10 out on either side.","start":1001.67,"end":1004.14996,"sentiment":"neutral","sentiment_score":0.015349756577052176},{"text":"So, I mean, are you comfortable with a growth investment profile?","start":1004.14996,"end":1010.55,"sentiment":"neutral","sentiment_score":-0.008939915759996935}],"sentiment":"neutral","sentiment_score":0.03228988485481543,"num_words":79,"start":970.51996,"end":1010.55},{"sentences":[{"text":"It does mean a growth investment part investment profile would be at least a six year minimum time frame.","start":1010.55,"end":1020.865,"sentiment":"neutral","sentiment_score":-0.08803991777332205},{"text":"You'd have a likelihood of a negative return of one in every five years, and your expected return in that class would be between seven to 9% grosser fees.","start":1022.28503,"end":1036.3501,"sentiment":"neutral","sentiment_score":-0.19767230286680418},{"text":"So it it would hit you'd probably settle somewhere around that 8% mark, typically.","start":1036.41,"end":1042.67,"sentiment":"neutral","sentiment_score":-0.15197562107018062},{"text":"So just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that.","start":1043.995,"end":1052.495,"sentiment":"neutral","sentiment_score":-0.17133949041366578},{"text":"Yep.","start":1056.5549,"end":1057.0549,"sentiment":"neutral","sentiment_score":0.10838696360588074}],"sentiment":"neutral","sentiment_score":-0.15577288877896286,"num_words":88,"start":1010.55,"end":1057.0549},{"sentences":[{"text":"Okay.","start":1058.0901,"end":1058.5901,"sentiment":"neutral","sentiment_score":0.11141477525234222},{"text":"Now that I've just confirmed that, what I wanna do is just revisit your goals from last time you had a review just to check and make sure that they're still appropriate.","start":1060.01,"end":1067.63,"sentiment":"neutral","sentiment_score":0.17361169680953026},{"text":"One was to your first one was to buy a house in the next little bit, which you have ticked off, which is fantastic.","start":1069.2101,"end":1075.955,"sentiment":"positive","sentiment_score":0.4006204927961032},{"text":"A long term goal was you just wanna be comfortable and have a healthy source of income.","start":1077.855,"end":1081.955,"sentiment":"positive","sentiment_score":0.4137710893855375},{"text":"Is that in is that for retirement, or is that yeah.","start":1083.9349,"end":1092.25,"sentiment":"neutral","sentiment_score":0.20041075890714471}],"sentiment":"neutral","sentiment_score":0.2884765619740767,"num_words":85,"start":1058.0901,"end":1092.25},{"sentences":[{"text":"Yeah.","start":1092.55,"end":1093.05,"sentiment":"neutral","sentiment_score":0.16947221755981445},{"text":"Yeah.","start":1097.3501,"end":1097.75,"sentiment":"neutral","sentiment_score":0.1076946258544922},{"text":"Okay.","start":1097.75,"end":1098.25,"sentiment":"neutral","sentiment_score":0.10735958814620972},{"text":"So is one of yep.","start":1099.43,"end":1105.635,"sentiment":"neutral","sentiment_score":0.11433579474687576},{"text":"Yep.","start":1110.655,"end":1110.8151,"sentiment":"neutral","sentiment_score":0.10785730928182602}],"sentiment":"neutral","sentiment_score":0.11822919050852458,"num_words":9,"start":1092.55,"end":1110.8151},{"sentences":[{"text":"Okay.","start":1110.8151,"end":1111.3151,"sentiment":"neutral","sentiment_score":0.15186119079589844},{"text":"Yep.","start":1111.375,"end":1111.875,"sentiment":"neutral","sentiment_score":0.1667076051235199},{"text":"Yep.","start":1122.43,"end":1122.93,"sentiment":"neutral","sentiment_score":0.11444017291069032},{"text":"Yeah.","start":1124.03,"end":1124.43,"sentiment":"neutral","sentiment_score":0.07383719831705093},{"text":"I understand that.","start":1124.43,"end":1125.7301,"sentiment":"neutral","sentiment_score":0.04563171664873759}],"sentiment":"neutral","sentiment_score":0.09196304529905319,"num_words":7,"start":1110.8151,"end":1125.7301},{"sentences":[{"text":"Is there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own?","start":1126.5651,"end":1134.345,"sentiment":"neutral","sentiment_score":-0.0011194724088104872},{"text":"Off that account.","start":1141.125,"end":1142.1799,"sentiment":"neutral","sentiment_score":-0.012891613567868868},{"text":"Yep.","start":1143.44,"end":1143.9199,"sentiment":"neutral","sentiment_score":0.1919371485710144},{"text":"Beautiful.","start":1143.9199,"end":1144.4199,"sentiment":"positive","sentiment_score":0.6119686365127563},{"text":"Yes.","start":1153.84,"end":1154.34,"sentiment":"neutral","sentiment_score":0.0603407584130764}],"sentiment":"neutral","sentiment_score":0.024889544380130246,"num_words":32,"start":1126.5651,"end":1154.34},{"sentences":[{"text":"That's fine.","start":1155.7599,"end":1156.3999,"sentiment":"neutral","sentiment_score":0.30993980169296265},{"text":"That's absolutely fine.","start":1156.3999,"end":1157.6749,"sentiment":"positive","sentiment_score":0.47871970136960346},{"text":"You have here for retirement, you'd like to retire at the age of 60 with an income of 600 per week.","start":1159.1749,"end":1164.955,"sentiment":"neutral","sentiment_score":0.18702350485892522},{"text":"Now that's probably based on when pre daughter and partner.","start":1165.1749,"end":1170.6349,"sentiment":"neutral","sentiment_score":0.06851298063993454},{"text":"What do you think that looks like now?","start":1171.22,"end":1173.24,"sentiment":"neutral","sentiment_score":0.0352365137077868}],"sentiment":"neutral","sentiment_score":0.1579671414907683,"num_words":44,"start":1155.7599,"end":1173.24},{"sentences":[{"text":"12 so still 60, but 1,200 a week.","start":1177.7001,"end":1180.84,"sentiment":"neutral","sentiment_score":0.035014193039387465},{"text":"Yep.","start":1182.02,"end":1182.34,"sentiment":"neutral","sentiment_score":0.1407092958688736},{"text":"And that and yeah.","start":1182.34,"end":1186.775,"sentiment":"neutral","sentiment_score":0.2444506473839283},{"text":"Enjoying life.","start":1186.915,"end":1187.8151,"sentiment":"positive","sentiment_score":0.48122550547122955},{"text":"So so you'd wanna be debt free as well by then?","start":1188.595,"end":1192.135,"sentiment":"neutral","sentiment_score":0.10180125419389117}],"sentiment":"neutral","sentiment_score":0.13388039372288263,"num_words":26,"start":1177.7001,"end":1192.135},{"sentences":[{"text":"Yep.","start":1194.115,"end":1194.615,"sentiment":"neutral","sentiment_score":0.07729487121105194},{"text":"Beautiful.","start":1194.675,"end":1195.175,"sentiment":"neutral","sentiment_score":0.20290914177894592},{"text":"Yeah.","start":1198.755,"end":1198.95,"sentiment":"neutral","sentiment_score":0.04414132982492447},{"text":"Yeah.","start":1200.5499,"end":1201.0499,"sentiment":"neutral","sentiment_score":0.016583358868956566},{"text":"Yeah.","start":1201.4299,"end":1201.59,"sentiment":"neutral","sentiment_score":0.028820428997278217}],"sentiment":"neutral","sentiment_score":0.07394982613623143,"num_words":5,"start":1194.115,"end":1201.59},{"sentences":[{"text":"The equity.","start":1201.59,"end":1202.33,"sentiment":"neutral","sentiment_score":0.024554994888603687},{"text":"Yeah.","start":1203.19,"end":1203.4299,"sentiment":"neutral","sentiment_score":0.08013523370027542},{"text":"Of course.","start":1203.4299,"end":1204.1699,"sentiment":"neutral","sentiment_score":0.1446097567677498},{"text":"Beautiful.","start":1204.23,"end":1204.73,"sentiment":"positive","sentiment_score":0.416317343711853},{"text":"You said that you wanna get your funds growing for you at a better rate and make more money through your super.","start":1206.95,"end":1212.0751,"sentiment":"neutral","sentiment_score":0.28356894241137937}],"sentiment":"neutral","sentiment_score":0.2526178147776851,"num_words":28,"start":1201.59,"end":1212.0751},{"sentences":[{"text":"Still applicable?","start":1212.4551,"end":1213.115,"sentiment":"neutral","sentiment_score":0.0920330248773098},{"text":"Yep.","start":1214.855,"end":1215.355,"sentiment":"neutral","sentiment_score":0.03991635516285896},{"text":"And last time, you didn't really want to seek any advice on insurance policies.","start":1215.9751,"end":1223.755,"sentiment":"neutral","sentiment_score":-0.05863067773836},{"text":"Is that still your stance now given that you have a young daughter and a mortgage and a partner?","start":1225.74,"end":1232.24,"sentiment":"neutral","sentiment_score":0.011635920621062579},{"text":"And probably without you, there would be no Yeah.","start":1233.5,"end":1250.075,"sentiment":"neutral","sentiment_score":-0.05098393145534727}],"sentiment":"neutral","sentiment_score":-0.01854711054927773,"num_words":45,"start":1212.4551,"end":1250.075},{"sentences":[{"text":"Alright.","start":1251.5,"end":1251.74,"sentiment":"neutral","sentiment_score":0.0925700217485428},{"text":"What I'm gonna do is send you some information on the different types of insurances available.","start":1251.74,"end":1256.7201,"sentiment":"neutral","sentiment_score":0.10060851275920868},{"text":"I'm going to strongly recommend you and your partner have a chat about it.","start":1257.9801,"end":1263.8401,"sentiment":"neutral","sentiment_score":0.2570035345852375},{"text":"There are I'll put together some information, just some general information for you, but we will it's probably something that we do need to look out for you and something that we we should prioritize.","start":1265.515,"end":1278.735,"sentiment":"neutral","sentiment_score":0.01668206558429769},{"text":"So outside of that, we've got your estate planning.","start":1284.08,"end":1287.0599,"sentiment":"neutral","sentiment_score":0.022828857517904706}],"sentiment":"neutral","sentiment_score":0.08119583630934357,"num_words":75,"start":1251.5,"end":1287.0599},{"sentences":[{"text":"So being the wills, I'll send through to you.","start":1288.1599,"end":1291.62,"sentiment":"neutral","sentiment_score":0.06979061994287702},{"text":"The other thing I just wanted to flag is that for your superannuation fund with Hub twenty four, your beneficiary noted is Tracy Tucker.","start":1291.8251,"end":1301.125,"sentiment":"neutral","sentiment_score":0.03301120138106247},{"text":"Okay.","start":1303.185,"end":1303.685,"sentiment":"neutral","sentiment_score":0.0261722169816494},{"text":"I need to update.","start":1303.905,"end":1305.045,"sentiment":"neutral","sentiment_score":0.02982309740036726},{"text":"Okay.","start":1305.185,"end":1305.5851,"sentiment":"neutral","sentiment_score":0.20091544091701508}],"sentiment":"neutral","sentiment_score":0.045301652823885284,"num_words":39,"start":1288.1599,"end":1305.5851},{"sentences":[{"text":"Beautiful.","start":1305.5851,"end":1306.0851,"sentiment":"positive","sentiment_score":0.5324941873550415},{"text":"Update.","start":1306.305,"end":1306.805,"sentiment":"neutral","sentiment_score":0.2435593456029892},{"text":"I'm just gonna make a note of this to Melissa.","start":1307.74,"end":1312.32,"sentiment":"neutral","sentiment_score":0.1283287800848484},{"text":"What is Melissa's date of birth?","start":1312.38,"end":1314.96,"sentiment":"neutral","sentiment_score":0.03146715182811022},{"text":"1991.","start":1320.0599,"end":1321.1799,"sentiment":"neutral","sentiment_score":0.022622985765337944}],"sentiment":"neutral","sentiment_score":0.11951406476529021,"num_words":19,"start":1305.5851,"end":1321.1799},{"sentences":[{"text":"Okay.","start":1321.1799,"end":1321.6799,"sentiment":"neutral","sentiment_score":0.2794467806816101},{"text":"Fantastic.","start":1321.9,"end":1322.4,"sentiment":"positive","sentiment_score":0.556236982345581},{"text":"I'll make sure that that's in recorded in our documents, and we can get that all sent out.","start":1322.5399,"end":1327.865,"sentiment":"neutral","sentiment_score":0.33134086926778156},{"text":"With that, it will require a wet signature.","start":1327.865,"end":1331.245,"sentiment":"neutral","sentiment_score":0.13108522444963455},{"text":"Do you have access to a printer, or would you like me to post it?","start":1332.1849,"end":1335.645,"sentiment":"neutral","sentiment_score":0.010462091614802679}],"sentiment":"neutral","sentiment_score":0.18617285068991574,"num_words":43,"start":1321.1799,"end":1335.645},{"sentences":[{"text":"Okay.","start":1337.225,"end":1337.725,"sentiment":"neutral","sentiment_score":-0.05317583680152893},{"text":"You'll need two witnesses, and Melissa will not be able to be one of them, though, because she will be beneficiary.","start":1338.8,"end":1344.74,"sentiment":"neutral","sentiment_score":-0.058925721262182505},{"text":"Alright.","start":1346.8,"end":1347.28,"sentiment":"neutral","sentiment_score":0.1326831877231598},{"text":"Fantastic.","start":1347.28,"end":1347.78,"sentiment":"neutral","sentiment_score":0.3013511896133423},{"text":"What I'm going to do while we continue to talk, I'm just gonna send do you have access to your emails at the moment?","start":1349.28,"end":1356.355,"sentiment":"neutral","sentiment_score":0.05418501002714038}],"sentiment":"neutral","sentiment_score":0.009247054889177283,"num_words":48,"start":1337.225,"end":1356.355},{"sentences":[{"text":"Beautiful.","start":1357.935,"end":1358.435,"sentiment":"neutral","sentiment_score":0.31320053339004517},{"text":"I'm just sending through some documents that will come through from OdooSign.","start":1358.495,"end":1361.875,"sentiment":"neutral","sentiment_score":0.15438498246173063},{"text":"It's just your pack that we're gonna talk through.","start":1362.255,"end":1365.77,"sentiment":"neutral","sentiment_score":0.13919841001431146},{"text":"And there we go.","start":1369.03,"end":1371.21,"sentiment":"neutral","sentiment_score":0.05501218605786562},{"text":"So you let me know when you've got those documents open.","start":1372.7899,"end":1375.605,"sentiment":"neutral","sentiment_score":0.05578564615412192}],"sentiment":"neutral","sentiment_score":0.11492694229693026,"num_words":37,"start":1357.935,"end":1375.605},{"sentences":[{"text":"I think you gotta click on sign, but you don't actually sign anything.","start":1380.565,"end":1383.765,"sentiment":"neutral","sentiment_score":-0.03062356922488946},{"text":"It'll just take you through all the oh, you got it?","start":1383.765,"end":1390.325,"sentiment":"neutral","sentiment_score":0.029759466817433185},{"text":"Beautiful.","start":1390.325,"end":1390.825,"sentiment":"neutral","sentiment_score":0.32264500856399536},{"text":"Alright.","start":1392.95,"end":1393.45,"sentiment":"neutral","sentiment_score":0.08475008606910706},{"text":"So the first document you'll see is just a summary of your superannuation fund with the balance as of the thirty first sitting at approximately 109.","start":1394.3099,"end":1403.69,"sentiment":"neutral","sentiment_score":0.1619731236535769}],"sentiment":"neutral","sentiment_score":0.0874604623979674,"num_words":52,"start":1380.565,"end":1403.69},{"sentences":[{"text":"That's good.","start":1406.415,"end":1406.975,"sentiment":"positive","sentiment_score":0.8063696920871735},{"text":"That's a good thing.","start":1406.975,"end":1408.035,"sentiment":"positive","sentiment_score":0.7761454731225967},{"text":"The next document over is your performance for return for the last twelve months.","start":1408.655,"end":1414.675,"sentiment":"neutral","sentiment_score":0.11251926049590111},{"text":"So, overall, it was so net of fees, so after fees, 5.57%.","start":1415.215,"end":1421.52,"sentiment":"neutral","sentiment_score":0.04612539584438006},{"text":"So we've fallen short of that seven to 9% mark because of the asset allocation, but you'll also see that first fund at the top, and along Australian equities, that they performed not great.","start":1422.06,"end":1437.895,"sentiment":"neutral","sentiment_score":-0.10423295243698008}],"sentiment":"neutral","sentiment_score":0.05003295895276648,"num_words":66,"start":1406.415,"end":1437.895},{"sentences":[{"text":"One of our so it's that's not to say that the Australian share market did not perform well.","start":1440.1951,"end":1445.67,"sentiment":"neutral","sentiment_score":-0.24406364146206114},{"text":"It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market, growth opportunities.","start":1446.6901,"end":1458.15,"sentiment":"neutral","sentiment_score":-0.09315603212095223},{"text":"Now, unfortunately, for them, that that didn't pay off, and we had you had more of the higher ASX 200, so being the banks and the bigger companies that performed well in the market.","start":1458.77,"end":1471.365,"sentiment":"neutral","sentiment_score":-0.24023118626107187},{"text":"So one of the things that I'd like to do is look at potential replacements, investigate some replacements of that for you.","start":1471.745,"end":1480.69,"sentiment":"neutral","sentiment_score":0.04353699130429463},{"text":"Is that are you happy with that?","start":1480.69,"end":1482.3099,"sentiment":"neutral","sentiment_score":0.06551564804145268}],"sentiment":"neutral","sentiment_score":-0.12679102214349208,"num_words":107,"start":1440.1951,"end":1482.3099},{"sentences":[{"text":"Beautiful.","start":1483.73,"end":1484.23,"sentiment":"positive","sentiment_score":0.3686653971672058},{"text":"And the other one that I would like to investigate a little bit further is the next one down, the beta bank hybrid fund.","start":1485.1699,"end":1493.495,"sentiment":"neutral","sentiment_score":0.11112458476175864},{"text":"Now the reason for that being is that the banks are phasing out the hybrids, and they'll cease in around January 2027.","start":1493.875,"end":1505.4951,"sentiment":"neutral","sentiment_score":0.035883229987865146},{"text":"So what I'd like to do is there's no need to necessarily rush out of it, but I would like to have a look at other options and investigate what we could do in the meantime and if it's a better outcome for you, if that's okay.","start":1505.715,"end":1519.55,"sentiment":"neutral","sentiment_score":0.08912423459139276},{"text":"Fantastic.","start":1521.2101,"end":1521.7101,"sentiment":"positive","sentiment_score":0.5303845405578613}],"sentiment":"neutral","sentiment_score":0.08994010586879755,"num_words":95,"start":1483.73,"end":1521.7101},{"sentences":[{"text":"The next document over is your Vanguard index chart.","start":1523.375,"end":1526.735,"sentiment":"neutral","sentiment_score":0.13568959219588173},{"text":"Now this is probably where we talked a bit about your gross and defensive assets.","start":1526.735,"end":1533.6349,"sentiment":"neutral","sentiment_score":0.10037336001793544},{"text":"So the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets.","start":1534.1749,"end":1543.8201,"sentiment":"neutral","sentiment_score":0.10158215895295143},{"text":"So, ideally, that's where we want 80% of your funds to be spread across.","start":1544.12,"end":1548.46,"sentiment":"neutral","sentiment_score":0.19849642579044616},{"text":"You'll see the volatility associated with those those sectors and that over time, you will experience volatility.","start":1550.12,"end":1562.8251,"sentiment":"neutral","sentiment_score":0.0037720242569990016}],"sentiment":"neutral","sentiment_score":0.10136793846613727,"num_words":80,"start":1523.375,"end":1562.8251},{"sentences":[{"text":"So I guess this we use this chart as a visual for clients to help understand where their funds are invested at.","start":1563.605,"end":1576.58,"sentiment":"neutral","sentiment_score":0.06191080368377946},{"text":"The remaining 20% is in items such as the Australian bonds and cash.","start":1577.44,"end":1582.995,"sentiment":"neutral","sentiment_score":0.09624466471947156},{"text":"So they're your defensive type assets that allow for more of an income.","start":1582.995,"end":1587.815,"sentiment":"neutral","sentiment_score":0.15509964926884726},{"text":"You will see that there is growth at times, but they're more income producing assets and to ensure that your your portfolio is does have a defensive allocation to it.","start":1588.115,"end":1601.7301,"sentiment":"neutral","sentiment_score":0.19099288582801818},{"text":"Any questions about that?","start":1603.55,"end":1604.93,"sentiment":"neutral","sentiment_score":0.07326640095561743}],"sentiment":"neutral","sentiment_score":0.12990690172627206,"num_words":82,"start":1563.605,"end":1604.93},{"sentences":[{"text":"No?","start":1607.87,"end":1608.27,"sentiment":"neutral","sentiment_score":-0.09918632358312608},{"text":"Okay.","start":1608.27,"end":1608.67,"sentiment":"neutral","sentiment_score":0.1326223909854889},{"text":"Beautiful.","start":1608.67,"end":1609.17,"sentiment":"positive","sentiment_score":0.3972516357898712},{"text":"The next document is our financial license is, that we're licensed through ASIC, and, additionally, additionally, what services we provide and how we provide advice, our fee structure, and complaints handling process.","start":1610.67,"end":1638.34,"sentiment":"neutral","sentiment_score":0.06605748657602817},{"text":"So processes if you are unhappy with any of the services that we provide to you.","start":1638.34,"end":1644.055,"sentiment":"neutral","sentiment_score":-0.12815154483541846}],"sentiment":"neutral","sentiment_score":0.009688285416832157,"num_words":51,"start":1607.87,"end":1644.055},{"sentences":[{"text":"And finally, the last document is the consent to the ongoing service fee.","start":1645.555,"end":1652.295,"sentiment":"neutral","sentiment_score":0.003544661431358411},{"text":"So this is our fee that we charge for our services.","start":1652.515,"end":1657.01,"sentiment":"neutral","sentiment_score":0.034207879480990494},{"text":"So you'll see at the bottom of the first page that fee is estimated to be $1,888.67 per annum.","start":1657.63,"end":1666.53,"sentiment":"neutral","sentiment_score":0.02271449487460287},{"text":"What what that what well, how that's charged is it's divided by 12 and then charged monthly from your superannuation fund, hub 24.","start":1667.15,"end":1680.495,"sentiment":"neutral","sentiment_score":0.03664038022575171},{"text":"So what that advice service fee covers is the advice contained within your superannuation and your ongoing reviews.","start":1680.7949,"end":1691.3099,"sentiment":"neutral","sentiment_score":0.06609236800836192}],"sentiment":"neutral","sentiment_score":0.03436111958165254,"num_words":84,"start":1645.555,"end":1691.3099},{"sentences":[{"text":"And in saying that, you're not limited to one review per year.","start":1691.37,"end":1694.57,"sentiment":"neutral","sentiment_score":0.08331843030949433},{"text":"If you've got some questions you'd like to ask or anything comes up or there's potentially a new a new situation that you need to discuss, you just get in contact and and phone us, and we book in a time.","start":1694.57,"end":1707.985,"sentiment":"neutral","sentiment_score":0.06883474393952184},{"text":"So the only document that requires signing is that last one.","start":1709.8099,"end":1713.67,"sentiment":"neutral","sentiment_score":0.05112168937921524},{"text":"But before you do, just make sure you're comfortable and happy with it and that you are happy to continue as a client with Oakview and, also, that you're happy with Hub as well.","start":1714.13,"end":1724.965,"sentiment":"positive","sentiment_score":0.4249480038004763},{"text":"Fantastic.","start":1731.265,"end":1731.765,"sentiment":"positive","sentiment_score":0.6152240037918091}],"sentiment":"neutral","sentiment_score":0.1964428321354919,"num_words":99,"start":1691.37,"end":1731.765},{"sentences":[{"text":"Beautiful.","start":1732.785,"end":1733.285,"sentiment":"positive","sentiment_score":0.7167843580245972},{"text":"That's lovely.","start":1733.745,"end":1734.5651,"sentiment":"positive","sentiment_score":0.6845499277114868},{"text":"And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent?","start":1735.99,"end":1747.545,"sentiment":"neutral","sentiment_score":0.03687715865671635},{"text":"Yep.","start":1750.645,"end":1751.145,"sentiment":"neutral","sentiment_score":-0.024773772805929184},{"text":"Yeah.","start":1754.085,"end":1754.585,"sentiment":"neutral","sentiment_score":-0.0710388794541359}],"sentiment":"neutral","sentiment_score":0.08201930285431444,"num_words":40,"start":1732.785,"end":1754.585},{"sentences":[{"text":"It is, isn't it?","start":1755.845,"end":1756.805,"sentiment":"neutral","sentiment_score":-0.058222376741468906},{"text":"It is.","start":1756.805,"end":1757.545,"sentiment":"neutral","sentiment_score":-0.08258827775716782},{"text":"Yeah.","start":1761.5,"end":1761.66,"sentiment":"neutral","sentiment_score":-0.16997933387756348},{"text":"I wish I had that crystal ball.","start":1761.66,"end":1763.3401,"sentiment":"negative","sentiment_score":-0.35889107414654325},{"text":"It would be very helpful.","start":1763.3401,"end":1764.56,"sentiment":"negative","sentiment_score":-0.4306613802909851}],"sentiment":"neutral","sentiment_score":-0.2754520956230791,"num_words":19,"start":1755.845,"end":1764.56},{"sentences":[{"text":"Oh, wow.","start":1768.54,"end":1769.12,"sentiment":"neutral","sentiment_score":-0.10494041442871094},{"text":"Yeah.","start":1774.7001,"end":1775.18,"sentiment":"neutral","sentiment_score":-0.02865729294717312},{"text":"Yeah.","start":1775.18,"end":1775.5801,"sentiment":"neutral","sentiment_score":-0.016896754503250122},{"text":"And it's timing, and you just gotta be yeah.","start":1775.5801,"end":1778.9551,"sentiment":"neutral","sentiment_score":-0.0320007646870282},{"text":"It's all about timing, these sorts of things.","start":1778.9551,"end":1781.295,"sentiment":"neutral","sentiment_score":-0.03262709453701973}],"sentiment":"neutral","sentiment_score":-0.0383075483232027,"num_words":21,"start":1768.54,"end":1781.295},{"sentences":[{"text":"Alright.","start":1782.9551,"end":1783.4551,"sentiment":"neutral","sentiment_score":0.05763719603419304},{"text":"So my action items from this is I'm going to send you an introduction email for estate planning with a brochure attached.","start":1783.675,"end":1791.055,"sentiment":"neutral","sentiment_score":0.05796647241169756},{"text":"I'm gonna send you some information on insurances for you and Melissa to have a chat through.","start":1791.67,"end":1797.05,"sentiment":"neutral","sentiment_score":0.060228564502561796},{"text":"And I am going to look at alternatives for those funds that we did discuss.","start":1799.27,"end":1805.85,"sentiment":"neutral","sentiment_score":0.03956877092520396},{"text":"What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things?","start":1806.7151,"end":1815.915,"sentiment":"neutral","sentiment_score":0.04162610476386958}],"sentiment":"neutral","sentiment_score":0.049493735567444845,"num_words":84,"start":1782.9551,"end":1815.915},{"sentences":[{"text":"And I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with.","start":1815.915,"end":1822.55,"sentiment":"neutral","sentiment_score":0.07109119163619147},{"text":"Yep.","start":1825.01,"end":1825.41,"sentiment":"neutral","sentiment_score":0.033367425203323364},{"text":"Okay.","start":1825.41,"end":1825.91,"sentiment":"neutral","sentiment_score":0.05697529390454292},{"text":"Beautiful.","start":1828.29,"end":1828.79,"sentiment":"neutral","sentiment_score":0.2939499318599701},{"text":"Alright.","start":1829.17,"end":1829.49,"sentiment":"neutral","sentiment_score":0.16082048416137695}],"sentiment":"neutral","sentiment_score":0.07950242933246397,"num_words":31,"start":1815.915,"end":1829.49},{"sentences":[{"text":"Well, I'll get this information out to you as soon as possible.","start":1829.49,"end":1833.91,"sentiment":"neutral","sentiment_score":0.12996635027229786},{"text":"But in the meantime, do you have any other questions?","start":1834.405,"end":1836.905,"sentiment":"neutral","sentiment_score":0.014092019014060497},{"text":"Oh, fantastic.","start":1840.405,"end":1841.385,"sentiment":"positive","sentiment_score":0.7346431612968445},{"text":"Alright.","start":1841.445,"end":1841.6849,"sentiment":"positive","sentiment_score":0.4352629780769348},{"text":"Well, if you come up with anything in the meantime, please give me a call, and I'll speak to you soon.","start":1841.6849,"end":1847.339,"sentiment":"neutral","sentiment_score":0.14055766591003963}],"sentiment":"neutral","sentiment_score":0.1425386234389051,"num_words":46,"start":1829.49,"end":1847.339},{"sentences":[{"text":"Thanks a lot for your time.","start":1849.2389,"end":1850.7789,"sentiment":"positive","sentiment_score":0.8258367876211802},{"text":"Enjoy your afternoon.","start":1851.6389,"end":1852.699,"sentiment":"positive","sentiment_score":0.5524423917134603},{"text":"Bye.","start":1852.7589,"end":1853.2589,"sentiment":"neutral","sentiment_score":0.31507986783981323}],"sentiment":"positive","sentiment_score":0.6927427768707275,"num_words":10,"start":1849.2389,"end":1853.2589}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hi. Steven speaking. Not bad. Yourself? Yeah. It's fine. Steven Pierce. I have absolutely no idea what my current password is. I can give you my my address is 34 Waterglass Street, Spring Farm, if that helps. 07/03/1992. Oh, okay. Let's start. Yeah. No. That makes that make that makes sense. Yeah. That's fine. Yep. Yep. No. I have a partner and a daughter now. She's 18 old. Charlotte. Yeah. Here you go. It's probably the most popular girl's name now. Melissa. Yeah. Hayes, h a y e s. Yep. That would be her. Yep. 0400. That's two digits. I can't remember the rest of them. Hold on. 4054 0 5. Yep. 207. Correct. Yeah. So tradesman sign rider, but, basically, mainly what I do these days is is the installation of them. Yep. Still self employed, thankfully. Woah. I assume sixty, I think, would be going thing here. I think it'll be about sixteen. Yeah. I think it was the first year I put it about sixteen years ago. Maybe about that. Yep. Yeah. I think it's 82 sorry. It's it's not going up much, but it's about that. Not me. No. So she she she works for for me. So she gets a regular working wage. However, it's what it is. I can't remember that, but yes. Well, mortgage repayment's about 600 a week. It's probably $85,900 a week expenditure including mortgage. Yep. Yep. Go. Ready? I tried to save about a 150. Yeah. Yeah. I make the just the regular with the 12 percent or something. Yeah. Nah. Just the 12%. Call it. Not at the present time. Maybe have a look at it again next year. But for now, it's yeah. Just wait a minute. Yeah. We purchased it for 1,000,070. I think it's now they value it at $11.07. I think it's one of a 100. Is it according to realestate.com? It's it'd be around 700 and something thousand now. It was originally 800, but it'd be about 7 something now. Say 7 70 is probably would probably be around something like that. Yeah. I've got oh, so it's all through the business these days. It's I got a brand new Ute. Yeah. Yeah. Oh, that's I don't know. Brand new, I think, there. I think 65,000. That's probably worth I think it's, what, maybe a year and a half old. That's probably worth 50, 7,000. Yeah. So I think I've I've paid I put in, I think, 20 something thousand to it. And it's gonna be the difference. Yeah. I think it's 40. I think I got got them down to 60. I think I've got if I remember correctly. No. I think that's it. Nice. Thankfully. Sorry? No. I'm a resident of The UK, but I haven't never I've never worked there, so I've never had to do a tax thing. Correct. Yep. I fractured my wrist, but that was about it. Yeah. Yeah. I didn't even know I did it, to be honest. Until three months later. Yeah. It just happened. Like, it just swelled up, and I went to a doctor, and they're like, oh, did you know you have fractured this about three months ago? It's just never healed. Said, nope. I had no idea. Yep. Yeah. I have Oh, I just it is working. So look what which one it is. My insurance. It's Bronze Hospital with Single Lifestyle Extras. It's Qantas? Yeah. And, yeah, it was a Bronze Hospital. I actually need to change that. Yeah. It's a single one. It's a system itself. Yeah. No. No. I think I'm about the same. I think I think I put on a few kilos since then. It's probably about a hundred and twenty five, I think, now. No. Yeah. I know. My my grandmother died initially last night. So it's it's it's actually something yeah. It's alright. That's that's definitely something I need to look at doing. Yeah. It was yeah. We knew it was coming, thankfully. It was just one of them things. But, yeah, it was 10:00 last night I found out. No. Not really. She because they're that she's on the other side of the world. So I spoke to her about a month ago, and that was about it. And that was the last caller to speak to her. Yes. Yeah. Okay. Yeah. Sure. Yes. Sure. Yep. Yep. Yeah. I think it's changed since the last last time I did it. Yeah. Yep. Yep. Yep. Probably I know. Yeah. That's what I said. Probably moderate. So risk risk risk reward, isn't it, really? I definitely wouldn't go to cash. I probably what's the moderately one? Hold. Yeah. Hold and wait. Yeah. That was it. Probably hold them right. Probably eight seven above. I've never lost anything, but Albanese is trying his best to ruin my life. So or I have watched my price go decrease. So it was up my house was up a certain amount. It's decreased since. So that frustrated the hell out of me. Yeah. Other than that, I really experienced. I never actually really lost as such. I've just lost what I've gained. Yeah. Probably probably probably cautious. I'd still do it if I if I was to do it, but I just yeah. Probably read up a little bit more. Maybe for an investment property, but, again, Albany is trying to ruin that. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. I'm probably probably probably come to Goodgrass. Yeah. Yep. Yep. Jake. Yes. I think it's just a just a live live comfortably and not have, like, the mortgage stress and things like that, Sure. Which is it's kind of it's still got a goal. Like, we're expanding our business at the moment from installation. Like, we just got a actually, we just got a a factory, like, renting one. So that's something we're pursuing to go down the road of that to obviously generate more income and keep up with the Joneses, basically. At the moment, we're happy to manage on our own because we're just we're just putting a bit extra into our what do they call it? Yep. That's it. And and just, yeah, just try to chop it down that way at the moment. And then once the little one gets a bit old, it'll probably go a bit more aggressive at it. Yeah. Oh, probably just double it. Yeah. I'd like I'd like to be sitting back and yeah. Yeah. Ideally. Or or a position where if I was too downsized and I I can do that with have leftover funds. Yet. Yeah. Yes. You're right. It's it's a funny thing I need to speak to my partner about because I've we've been meaning to do health insurance stuff, but I just never got around to it yet. Yep. Yep. Yeah. Sure. Yep. Okay. Mhmm. Yes. That's my mother-in-law to change that too. Yeah. Yeah. 08/24/1991. Yep. Yep. No. I have a girlfriend, Taya. Yep. Yeah. Awesome. Yeah. Yeah. Yeah. Yep. Oh, yeah. That was quick. There we go. Yeah. Well, it opens for me. Come on. Yeah. I'm trying to click on it. It's not nothing's there we go. We're on. Yep. Yeah. Yep. Yep. Yep. Yeah. Yes. Yes. Yep. Yeah. Yeah. Sure. Yeah. Yep. Yep. Yeah. Sure. Mhmm. Mhmm. Yes. Yeah. Okay. Yep. Okay. Thanks. No. No. I don't think so. Yes. Yep. Yep. Yep. Dot dot Yes. Yeah. Sure. Yep. Yep. Yeah. So you're happy with Yeah. Everything's been moving smoothly. It was since I joined, so no reason to leave. Maybe go every six months. Just the way the world's it's just so topsy-turvy at the moment. So I think oh, don't know what's gonna happen every day or something. I don't know. My brother so my brother invested in drone shares, and then next thing and then next thing, companies around side go to each other and it went through the roof. Yeah. Yeah. Yeah. Yeah. Exactly. Yep. Yep. Sure. Yeah. If you give me a week, we can work it out, and then we can get from there. Yep. Yep. No. I think you've covered everything. Yep. No problems at all. No worries. See you. You too. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hi.\n\nSteven speaking. Not bad. Yourself? Yeah. It's fine.\n\nSteven Pierce. I have absolutely no idea what my current password is. I can give you my my address is 34 Waterglass Street, Spring Farm, if that helps. 07/03/1992. Oh, okay.\n\nLet's start. Yeah. No. That makes that make that makes sense. Yeah.\n\nThat's fine. Yep. Yep. No. I have a partner and a daughter now.\n\nShe's 18 old. Charlotte. Yeah. Here you go. It's probably the most popular girl's name now.\n\nMelissa. Yeah. Hayes, h a y e s. Yep. That would be her.\n\nYep. 0400. That's two digits. I can't remember the rest of them. Hold on.\n\n4054 0 5. Yep. 207. Correct. Yeah.\n\nSo tradesman sign rider, but, basically, mainly what I do these days is is the installation of them. Yep. Still self employed, thankfully. Woah. I assume sixty, I think, would be going thing here.\n\nI think it'll be about sixteen. Yeah. I think it was the first year I put it about sixteen years ago. Maybe about that. Yep.\n\nYeah. I think it's 82 sorry. It's it's not going up much, but it's about that. Not me. No.\n\nSo she she she works for for me. So she gets a regular working wage. However, it's what it is. I can't remember that, but yes. Well, mortgage repayment's about 600 a week.\n\nIt's probably $85,900 a week expenditure including mortgage. Yep. Yep. Go. Ready?\n\nI tried to save about a 150. Yeah. Yeah. I make the just the regular with the 12 percent or something. Yeah.\n\nNah. Just the 12%. Call it. Not at the present time. Maybe have a look at it again next year.\n\nBut for now, it's yeah. Just wait a minute. Yeah. We purchased it for 1,000,070. I think it's now they value it at $11.07.\n\nI think it's one of a 100. Is it according to realestate.com? It's it'd be around 700 and something thousand now. It was originally 800, but it'd be about 7 something now. Say 7 70 is probably would probably be around something like that.\n\nYeah. I've got oh, so it's all through the business these days. It's I got a brand new Ute. Yeah. Yeah.\n\nOh, that's I don't know. Brand new, I think, there. I think 65,000. That's probably worth I think it's, what, maybe a year and a half old. That's probably worth 50, 7,000.\n\nYeah. So I think I've I've paid I put in, I think, 20 something thousand to it. And it's gonna be the difference. Yeah. I think it's 40.\n\nI think I got got them down to 60. I think I've got if I remember correctly. No. I think that's it. Nice.\n\nThankfully. Sorry? No. I'm a resident of The UK, but I haven't never I've never worked there, so I've never had to do a tax thing. Correct.\n\nYep. I fractured my wrist, but that was about it. Yeah. Yeah. I didn't even know I did it, to be honest.\n\nUntil three months later. Yeah. It just happened. Like, it just swelled up, and I went to a doctor, and they're like, oh, did you know you have fractured this about three months ago? It's just never healed.\n\nSaid, nope. I had no idea. Yep. Yeah. I have Oh, I just it is working.\n\nSo look what which one it is. My insurance. It's Bronze Hospital with Single Lifestyle Extras. It's Qantas? Yeah.\n\nAnd, yeah, it was a Bronze Hospital. I actually need to change that. Yeah. It's a single one. It's a system itself.\n\nYeah. No. No. I think I'm about the same. I think I think I put on a few kilos since then.\n\nIt's probably about a hundred and twenty five, I think, now. No. Yeah. I know. My my grandmother died initially last night.\n\nSo it's it's it's actually something yeah. It's alright. That's that's definitely something I need to look at doing. Yeah. It was yeah.\n\nWe knew it was coming, thankfully. It was just one of them things. But, yeah, it was 10:00 last night I found out. No. Not really.\n\nShe because they're that she's on the other side of the world. So I spoke to her about a month ago, and that was about it. And that was the last caller to speak to her. Yes. Yeah.\n\nOkay. Yeah. Sure. Yes. Sure.\n\nYep. Yep. Yeah. I think it's changed since the last last time I did it. Yeah.\n\nYep. Yep. Yep. Probably I know. Yeah.\n\nThat's what I said. Probably moderate. So risk risk risk reward, isn't it, really? I definitely wouldn't go to cash. I probably what's the moderately one?\n\nHold. Yeah. Hold and wait. Yeah. That was it.\n\nProbably hold them right. Probably eight seven above. I've never lost anything, but Albanese is trying his best to ruin my life. So or I have watched my price go decrease. So it was up my house was up a certain amount.\n\nIt's decreased since. So that frustrated the hell out of me. Yeah. Other than that, I really experienced. I never actually really lost as such.\n\nI've just lost what I've gained. Yeah. Probably probably probably cautious. I'd still do it if I if I was to do it, but I just yeah. Probably read up a little bit more.\n\nMaybe for an investment property, but, again, Albany is trying to ruin that. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nI'm probably probably probably come to Goodgrass. Yeah. Yep. Yep. Jake.\n\nYes. I think it's just a just a live live comfortably and not have, like, the mortgage stress and things like that, Sure. Which is it's kind of it's still got a goal. Like, we're expanding our business at the moment from installation. Like, we just got a actually, we just got a a factory, like, renting one.\n\nSo that's something we're pursuing to go down the road of that to obviously generate more income and keep up with the Joneses, basically. At the moment, we're happy to manage on our own because we're just we're just putting a bit extra into our what do they call it? Yep. That's it. And and just, yeah, just try to chop it down that way at the moment.\n\nAnd then once the little one gets a bit old, it'll probably go a bit more aggressive at it. Yeah. Oh, probably just double it. Yeah. I'd like I'd like to be sitting back and yeah.\n\nYeah. Ideally. Or or a position where if I was too downsized and I I can do that with have leftover funds. Yet. Yeah.\n\nYes. You're right. It's it's a funny thing I need to speak to my partner about because I've we've been meaning to do health insurance stuff, but I just never got around to it yet. Yep. Yep.\n\nYeah. Sure. Yep. Okay. Mhmm.\n\nYes. That's my mother-in-law to change that too. Yeah. Yeah. 08/24/1991.\n\nYep. Yep. No. I have a girlfriend, Taya. Yep.\n\nYeah. Awesome. Yeah. Yeah. Yeah.\n\nYep. Oh, yeah. That was quick. There we go. Yeah.\n\nWell, it opens for me. Come on. Yeah. I'm trying to click on it. It's not nothing's there we go.\n\nWe're on. Yep. Yeah. Yep. Yep.\n\nYep. Yeah. Yes. Yes. Yep.\n\nYeah. Yeah. Sure. Yeah. Yep.\n\nYep. Yeah. Sure. Mhmm. Mhmm.\n\nYes. Yeah. Okay. Yep. Okay.\n\nThanks. No. No. I don't think so. Yes.\n\nYep. Yep. Yep. Dot dot Yes. Yeah.\n\nSure. Yep. Yep. Yeah. So you're happy with Yeah.\n\nEverything's been moving smoothly. It was since I joined, so no reason to leave. Maybe go every six months. Just the way the world's it's just so topsy-turvy at the moment. So I think oh, don't know what's gonna happen every day or something.\n\nI don't know. My brother so my brother invested in drone shares, and then next thing and then next thing, companies around side go to each other and it went through the roof. Yeah. Yeah. Yeah.\n\nYeah. Exactly. Yep. Yep. Sure.\n\nYeah. If you give me a week, we can work it out, and then we can get from there. Yep. Yep. No.\n\nI think you've covered everything. Yep. No problems at all. No worries. See you.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.02772528864443302},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.71999997,"end":5.14,"sentiment":"neutral","sentiment_score":0.019847685645800084},{"text":"Thanks.","start":17.855,"end":18.355,"sentiment":"positive","sentiment_score":0.3747222125530243},{"text":"Please stay on the line.","start":18.495,"end":20.115,"sentiment":"neutral","sentiment_score":0.16631697118282318},{"text":"Hi.","start":26.494999,"end":26.814999,"sentiment":"neutral","sentiment_score":0.06472867727279663}],"sentiment":"neutral","sentiment_score":0.06734683352988213,"num_words":24,"start":0.32,"end":26.814999},{"sentences":[{"text":"Steven speaking.","start":26.814999,"end":27.635,"sentiment":"neutral","sentiment_score":0.04802513308823109},{"text":"Not bad.","start":32.22,"end":32.62,"sentiment":"neutral","sentiment_score":0.20422246307134628},{"text":"Yourself?","start":32.62,"end":33.12,"sentiment":"neutral","sentiment_score":0.1453135460615158},{"text":"Yeah.","start":42.475,"end":42.675,"sentiment":"neutral","sentiment_score":0.07158114016056061},{"text":"It's fine.","start":42.675,"end":43.375,"sentiment":"neutral","sentiment_score":0.1249895840883255}],"sentiment":"neutral","sentiment_score":0.12142113083973527,"num_words":8,"start":26.814999,"end":43.375},{"sentences":[{"text":"Steven Pierce.","start":52.155,"end":52.875,"sentiment":"neutral","sentiment_score":-0.01745043881237507},{"text":"I have absolutely no idea what my current password is.","start":52.875,"end":56.059998,"sentiment":"neutral","sentiment_score":-0.23733520209789277},{"text":"I can give you my my address is 34 Waterglass Street, Spring Farm, if that helps.","start":56.36,"end":62.22,"sentiment":"neutral","sentiment_score":-0.006884038040880114},{"text":"07/03/1992.","start":65.0,"end":66.825,"sentiment":"neutral","sentiment_score":0.003238154575228691},{"text":"Oh, okay.","start":72.34499,"end":73.005,"sentiment":"neutral","sentiment_score":0.003113081445917487}],"sentiment":"neutral","sentiment_score":-0.08093332870292567,"num_words":31,"start":52.155,"end":73.005},{"sentences":[{"text":"Let's start.","start":73.384995,"end":74.284996,"sentiment":"neutral","sentiment_score":-0.0006029834039509296},{"text":"Yeah.","start":75.465,"end":75.965,"sentiment":"neutral","sentiment_score":-0.012307780794799328},{"text":"No.","start":78.985,"end":79.225,"sentiment":"neutral","sentiment_score":-0.16891151666641235},{"text":"That makes that make that makes sense.","start":79.225,"end":80.94,"sentiment":"neutral","sentiment_score":-0.06076848480318274},{"text":"Yeah.","start":90.060005,"end":90.380005,"sentiment":"neutral","sentiment_score":0.05434870347380638}],"sentiment":"neutral","sentiment_score":-0.04612132953479886,"num_words":12,"start":73.384995,"end":90.380005},{"sentences":[{"text":"That's fine.","start":90.380005,"end":91.200005,"sentiment":"neutral","sentiment_score":0.13518501818180084},{"text":"Yep.","start":102.815,"end":103.315,"sentiment":"neutral","sentiment_score":0.004209921695291996},{"text":"Yep.","start":114.97,"end":115.29,"sentiment":"neutral","sentiment_score":-0.008628131821751595},{"text":"No.","start":115.29,"end":115.53001,"sentiment":"neutral","sentiment_score":-0.05614352971315384},{"text":"I have a partner and a daughter now.","start":115.53001,"end":117.23,"sentiment":"neutral","sentiment_score":-0.03244692366570234}],"sentiment":"neutral","sentiment_score":-0.00382823790781773,"num_words":13,"start":90.380005,"end":117.23},{"sentences":[{"text":"She's 18 old.","start":121.770004,"end":123.465,"sentiment":"neutral","sentiment_score":0.022342544049024582},{"text":"Charlotte.","start":126.744995,"end":127.244995,"sentiment":"neutral","sentiment_score":0.0591292679309845},{"text":"Yeah.","start":133.385,"end":133.625,"sentiment":"neutral","sentiment_score":0.3098287582397461},{"text":"Here you go.","start":133.625,"end":134.105,"sentiment":"neutral","sentiment_score":0.23633899788061777},{"text":"It's probably the most popular girl's name now.","start":134.105,"end":136.205,"sentiment":"neutral","sentiment_score":0.322144515812397}],"sentiment":"neutral","sentiment_score":0.2326349236536771,"num_words":16,"start":121.770004,"end":136.205},{"sentences":[{"text":"Melissa.","start":139.84001,"end":140.34001,"sentiment":"neutral","sentiment_score":0.012005617842078207},{"text":"Yeah.","start":145.44,"end":145.76001,"sentiment":"neutral","sentiment_score":0.019458316266536713},{"text":"Hayes, h a y e s.","start":145.76001,"end":147.94,"sentiment":"neutral","sentiment_score":0.03510709137966236},{"text":"Yep.","start":157.065,"end":157.565,"sentiment":"neutral","sentiment_score":0.030923832207918167},{"text":"That would be her.","start":159.065,"end":159.865,"sentiment":"neutral","sentiment_score":0.01705300621688366}],"sentiment":"neutral","sentiment_score":0.026249410727849372,"num_words":13,"start":139.84001,"end":159.865},{"sentences":[{"text":"Yep.","start":159.865,"end":160.365,"sentiment":"neutral","sentiment_score":0.006249436177313328},{"text":"0400.","start":166.58,"end":168.84001,"sentiment":"neutral","sentiment_score":-0.00517654325813055},{"text":"That's two digits.","start":169.94,"end":170.82,"sentiment":"neutral","sentiment_score":-0.002786401038368543},{"text":"I can't remember the rest of them.","start":170.82,"end":171.94,"sentiment":"neutral","sentiment_score":-0.02776054572314024},{"text":"Hold on.","start":171.94,"end":172.6,"sentiment":"neutral","sentiment_score":-0.0031554459128528833}],"sentiment":"neutral","sentiment_score":-0.014851501577400736,"num_words":14,"start":159.865,"end":172.6},{"sentences":[{"text":"4054 0 5.","start":178.18001,"end":182.155,"sentiment":"neutral","sentiment_score":0.002458145609125495},{"text":"Yep.","start":182.155,"end":182.47499,"sentiment":"neutral","sentiment_score":0.0027716346085071564},{"text":"207.","start":182.555,"end":183.69499,"sentiment":"neutral","sentiment_score":0.001426840666681528},{"text":"Correct.","start":195.75,"end":196.15,"sentiment":"neutral","sentiment_score":0.02484462410211563},{"text":"Yeah.","start":196.15,"end":196.54999,"sentiment":"neutral","sentiment_score":0.024873530492186543}],"sentiment":"neutral","sentiment_score":0.00875586667098105,"num_words":7,"start":178.18001,"end":196.54999},{"sentences":[{"text":"So tradesman sign rider, but, basically, mainly what I do these days is is the installation of them.","start":196.54999,"end":202.01,"sentiment":"neutral","sentiment_score":0.023534157934288185},{"text":"Yep.","start":216.045,"end":216.445,"sentiment":"neutral","sentiment_score":0.018394289538264275},{"text":"Still self employed, thankfully.","start":216.445,"end":217.905,"sentiment":"neutral","sentiment_score":0.05392326321452856},{"text":"Woah.","start":224.765,"end":225.265,"sentiment":"neutral","sentiment_score":0.015042087994515896},{"text":"I assume sixty, I think, would be going thing here.","start":228.62999,"end":233.29,"sentiment":"neutral","sentiment_score":0.011694085318595171}],"sentiment":"neutral","sentiment_score":0.023226033129236278,"num_words":34,"start":196.54999,"end":233.29},{"sentences":[{"text":"I think it'll be about sixteen.","start":245.47499,"end":247.575,"sentiment":"neutral","sentiment_score":0.007685245169947545},{"text":"Yeah.","start":249.955,"end":250.455,"sentiment":"neutral","sentiment_score":0.02145865187048912},{"text":"I think it was the first year I put it about sixteen years ago.","start":250.595,"end":252.83499,"sentiment":"neutral","sentiment_score":0.015590352937579155},{"text":"Maybe about that.","start":252.83499,"end":253.74,"sentiment":"neutral","sentiment_score":0.01101254237194856},{"text":"Yep.","start":258.30002,"end":258.80002,"sentiment":"neutral","sentiment_score":0.09967615455389024}],"sentiment":"neutral","sentiment_score":0.016741953827440738,"num_words":25,"start":245.47499,"end":258.80002},{"sentences":[{"text":"Yeah.","start":267.285,"end":267.52502,"sentiment":"neutral","sentiment_score":0.0010528331622481346},{"text":"I think it's 82 sorry.","start":267.52502,"end":270.165,"sentiment":"neutral","sentiment_score":-0.02042703814804554},{"text":"It's it's not going up much, but it's about that.","start":270.165,"end":273.14502,"sentiment":"neutral","sentiment_score":-0.023509381152689458},{"text":"Not me.","start":286.3,"end":287.02,"sentiment":"neutral","sentiment_score":-0.02430354245007038},{"text":"No.","start":287.02,"end":287.52,"sentiment":"neutral","sentiment_score":-0.0636725202202797}],"sentiment":"neutral","sentiment_score":-0.02360293548554182,"num_words":19,"start":267.285,"end":287.52},{"sentences":[{"text":"So she she she works for for me.","start":287.97998,"end":290.96,"sentiment":"neutral","sentiment_score":-0.0233948091045022},{"text":"So she gets a regular working wage.","start":291.18,"end":296.225,"sentiment":"neutral","sentiment_score":0.0032114595440881594},{"text":"However, it's what it is.","start":296.92502,"end":297.885,"sentiment":"positive","sentiment_score":0.3587730139493942},{"text":"I can't remember that, but yes.","start":297.885,"end":299.595,"sentiment":"neutral","sentiment_score":0.08676265180110931},{"text":"Well, mortgage repayment's about 600 a week.","start":310.50998,"end":313.56998,"sentiment":"neutral","sentiment_score":0.008464920068425792}],"sentiment":"neutral","sentiment_score":0.06693991409106688,"num_words":33,"start":287.97998,"end":313.56998},{"sentences":[{"text":"It's probably $85,900 a week expenditure including mortgage.","start":315.71,"end":324.935,"sentiment":"neutral","sentiment_score":0.008494962472468615},{"text":"Yep.","start":324.935,"end":325.095,"sentiment":"neutral","sentiment_score":0.03303530812263489},{"text":"Yep.","start":325.095,"end":325.595,"sentiment":"neutral","sentiment_score":0.02440302073955536},{"text":"Go.","start":329.575,"end":329.895,"sentiment":"neutral","sentiment_score":0.06900417059659958},{"text":"Ready?","start":329.895,"end":330.395,"sentiment":"neutral","sentiment_score":0.03240855410695076}],"sentiment":"neutral","sentiment_score":0.018900896112124126,"num_words":12,"start":315.71,"end":330.395},{"sentences":[{"text":"I tried to save about a 150.","start":331.335,"end":333.51498,"sentiment":"neutral","sentiment_score":0.029833985226494924},{"text":"Yeah.","start":341.41998,"end":341.91998,"sentiment":"neutral","sentiment_score":0.0460553914308548},{"text":"Yeah.","start":342.06,"end":342.46,"sentiment":"neutral","sentiment_score":0.027263712137937542},{"text":"I make the just the regular with the 12 percent or something.","start":342.46,"end":345.75998,"sentiment":"neutral","sentiment_score":0.020157295201594632},{"text":"Yeah.","start":346.3,"end":346.8,"sentiment":"neutral","sentiment_score":0.10748468339443208}],"sentiment":"neutral","sentiment_score":0.028705873907628385,"num_words":22,"start":331.335,"end":346.8},{"sentences":[{"text":"Nah.","start":351.615,"end":351.935,"sentiment":"neutral","sentiment_score":-0.030947068706154823},{"text":"Just the 12%.","start":351.935,"end":353.075,"sentiment":"neutral","sentiment_score":-0.020026917569339275},{"text":"Call 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now they value it at $11.07.","start":387.48502,"end":391.665,"sentiment":"neutral","sentiment_score":0.017634388887219958}],"sentiment":"neutral","sentiment_score":0.006822318769991398,"num_words":24,"start":363.055,"end":391.665},{"sentences":[{"text":"I think it's one of a 100.","start":391.725,"end":393.105,"sentiment":"neutral","sentiment_score":0.033646518896733014},{"text":"Is it according to realestate.com?","start":393.80502,"end":396.225,"sentiment":"neutral","sentiment_score":0.097008116543293},{"text":"It's it'd be around 700 and something thousand now.","start":401.19,"end":404.16998,"sentiment":"neutral","sentiment_score":0.003908344997196562},{"text":"It was originally 800, but it'd be about 7 something now.","start":404.31,"end":407.77,"sentiment":"neutral","sentiment_score":-0.0065238275565207005},{"text":"Say 7 70 is probably would probably be around something like that.","start":410.38998,"end":416.075,"sentiment":"neutral","sentiment_score":0.0020435665113230548}],"sentiment":"neutral","sentiment_score":0.016102318522329864,"num_words":44,"start":391.725,"end":416.075},{"sentences":[{"text":"Yeah.","start":416.255,"end":416.755,"sentiment":"neutral","sentiment_score":0.019351515918970108},{"text":"I've got oh, so it's all through the business these days.","start":421.45502,"end":423.77502,"sentiment":"neutral","sentiment_score":0.008482304994355549},{"text":"It's I got a brand new Ute.","start":423.77502,"end":426.435,"sentiment":"neutral","sentiment_score":0.11693914234638214},{"text":"Yeah.","start":428.46,"end":428.96,"sentiment":"neutral","sentiment_score":0.04887831956148147},{"text":"Yeah.","start":437.09998,"end":437.34,"sentiment":"neutral","sentiment_score":-0.010073082521557808}],"sentiment":"neutral","sentiment_score":0.046192195443879994,"num_words":21,"start":416.255,"end":437.34},{"sentences":[{"text":"Oh, that's I don't know.","start":437.34,"end":439.36,"sentiment":"neutral","sentiment_score":-0.08128445670008659},{"text":"Brand new, I think, there.","start":440.20502,"end":441.585,"sentiment":"neutral","sentiment_score":-0.063408263027668},{"text":"I think 65,000.","start":443.805,"end":445.325,"sentiment":"neutral","sentiment_score":-0.009756460320204496},{"text":"That's probably worth I think it's, what, maybe a year and a half old.","start":445.325,"end":448.92502,"sentiment":"neutral","sentiment_score":-0.012785561449293579},{"text":"That's probably worth 50, 7,000.","start":448.92502,"end":451.98502,"sentiment":"neutral","sentiment_score":0.01329563450999558}],"sentiment":"neutral","sentiment_score":-0.02703914585435996,"num_words":32,"start":437.34,"end":451.98502},{"sentences":[{"text":"Yeah.","start":456.03,"end":456.43,"sentiment":"neutral","sentiment_score":-0.009808480739593506},{"text":"So I think I've I've paid I put in, I think, 20 something thousand to 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that's it.","start":485.06998,"end":486.05,"sentiment":"neutral","sentiment_score":-0.08283211849629879},{"text":"Nice.","start":495.39502,"end":495.55502,"sentiment":"neutral","sentiment_score":0.13788411021232605}],"sentiment":"neutral","sentiment_score":-0.010048080610273324,"num_words":23,"start":468.32498,"end":495.55502},{"sentences":[{"text":"Thankfully.","start":495.55502,"end":496.05502,"sentiment":"neutral","sentiment_score":0.0900118499994278},{"text":"Sorry?","start":501.635,"end":502.135,"sentiment":"neutral","sentiment_score":-0.027872610837221146},{"text":"No.","start":506.31,"end":506.63,"sentiment":"neutral","sentiment_score":-0.06832040101289749},{"text":"I'm a resident of The UK, but I haven't never I've never worked there, so I've never had to do a tax 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honest.","start":534.76,"end":536.46,"sentiment":"neutral","sentiment_score":-0.0998994991183281}],"sentiment":"neutral","sentiment_score":-0.10020956261591478,"num_words":22,"start":518.39,"end":536.46},{"sentences":[{"text":"Until three months later.","start":537.0,"end":538.3,"sentiment":"neutral","sentiment_score":-0.15713564679026604},{"text":"Yeah.","start":544.98505,"end":545.065,"sentiment":"neutral","sentiment_score":-0.1520194411277771},{"text":"It just happened.","start":545.065,"end":545.945,"sentiment":"neutral","sentiment_score":-0.17806056638558707},{"text":"Like, it just swelled up, and I went to a doctor, and they're like, oh, did you know you have fractured this about three months ago?","start":545.945,"end":550.42505,"sentiment":"neutral","sentiment_score":-0.19524515248261964},{"text":"It's just never healed.","start":550.42505,"end":551.465,"sentiment":"negative","sentiment_score":-0.39810000360012054}],"sentiment":"neutral","sentiment_score":-0.2100925712208999,"num_words":38,"start":537.0,"end":551.465},{"sentences":[{"text":"Said, nope.","start":551.465,"end":552.18506,"sentiment":"neutral","sentiment_score":-0.2765989452600479},{"text":"I had no idea.","start":552.18506,"end":553.085,"sentiment":"neutral","sentiment_score":-0.2378771137446165},{"text":"Yep.","start":556.905,"end":557.405,"sentiment":"neutral","sentiment_score":-0.17432789504528046},{"text":"Yeah.","start":561.42,"end":561.9,"sentiment":"neutral","sentiment_score":-0.0016922159120440483},{"text":"I have Oh, I just it is working.","start":561.9,"end":569.2,"sentiment":"neutral","sentiment_score":-0.006957648089155555}],"sentiment":"neutral","sentiment_score":-0.10852422757307068,"num_words":16,"start":551.465,"end":569.2},{"sentences":[{"text":"So look what which one it 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they're that she's on the other side of the world.","start":673.54,"end":675.88,"sentiment":"neutral","sentiment_score":-0.13803359245260557},{"text":"So I spoke to her about a month ago, and that was about it.","start":676.89996,"end":679.45996,"sentiment":"neutral","sentiment_score":-0.03441194564636264},{"text":"And that was the last caller to speak to 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my mother-in-law to change that too.","start":1301.655,"end":1303.595,"sentiment":"neutral","sentiment_score":0.03319899631398065},{"text":"Yeah.","start":1305.655,"end":1306.155,"sentiment":"neutral","sentiment_score":0.2999729812145233},{"text":"Yeah.","start":1309.415,"end":1309.915,"sentiment":"neutral","sentiment_score":0.08407751470804214},{"text":"08/24/1991.","start":1316.35,"end":1319.57,"sentiment":"neutral","sentiment_score":0.009166458621621132}],"sentiment":"neutral","sentiment_score":0.060115063562989235,"num_words":11,"start":1301.415,"end":1319.57},{"sentences":[{"text":"Yep.","start":1331.495,"end":1331.815,"sentiment":"neutral","sentiment_score":0.042763277888298035},{"text":"Yep.","start":1331.815,"end":1332.315,"sentiment":"neutral","sentiment_score":0.029995746910572052},{"text":"No.","start":1335.335,"end":1335.4949,"sentiment":"neutral","sentiment_score":-0.09566587209701538},{"text":"I have a girlfriend, 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yeah.","start":1368.64,"end":1368.96,"sentiment":"neutral","sentiment_score":0.06491294875741005},{"text":"That was quick.","start":1368.96,"end":1369.86,"sentiment":"neutral","sentiment_score":0.08274749169747035},{"text":"There we go.","start":1370.64,"end":1371.62,"sentiment":"neutral","sentiment_score":0.040979729344447456},{"text":"Yeah.","start":1376.5599,"end":1377.0599,"sentiment":"neutral","sentiment_score":0.049240559339523315}],"sentiment":"neutral","sentiment_score":0.06113293319940567,"num_words":10,"start":1366.235,"end":1377.0599},{"sentences":[{"text":"Well, it opens for me.","start":1377.84,"end":1378.88,"sentiment":"neutral","sentiment_score":0.049240299686789515},{"text":"Come on.","start":1378.88,"end":1379.62,"sentiment":"neutral","sentiment_score":0.021794197149574757},{"text":"Yeah.","start":1384.125,"end":1384.445,"sentiment":"neutral","sentiment_score":-0.005314355716109276},{"text":"I'm trying to click on 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on.","start":1389.245,"end":1389.985,"sentiment":"neutral","sentiment_score":0.047909799963235855},{"text":"Yep.","start":1390.365,"end":1390.865,"sentiment":"neutral","sentiment_score":0.16379931569099426},{"text":"Yeah.","start":1408.195,"end":1408.695,"sentiment":"neutral","sentiment_score":0.21750427782535553},{"text":"Yep.","start":1415.075,"end":1415.575,"sentiment":"neutral","sentiment_score":0.07559311389923096},{"text":"Yep.","start":1432.3999,"end":1432.7999,"sentiment":"neutral","sentiment_score":0.002782590687274933}],"sentiment":"neutral","sentiment_score":0.09258314967155457,"num_words":6,"start":1389.245,"end":1432.7999},{"sentences":[{"text":"Yep.","start":1432.7999,"end":1433.2999,"sentiment":"neutral","sentiment_score":-0.09631268680095673},{"text":"Yeah.","start":1441.8151,"end":1442.3151,"sentiment":"neutral","sentiment_score":-0.09928752481937408},{"text":"Yes.","start":1456.37,"end":1456.87,"sentiment":"neutral","sentiment_score":-0.045211900025606155},{"text":"Yes.","start":1459.01,"end":1459.51,"sentiment":"neutral","sentiment_score":-0.05897894501686096},{"text":"Yep.","start":1469.625,"end":1470.125,"sentiment":"neutral","sentiment_score":-0.10748829692602158}],"sentiment":"neutral","sentiment_score":-0.0814558707177639,"num_words":5,"start":1432.7999,"end":1470.125},{"sentences":[{"text":"Yeah.","start":1471.865,"end":1472.365,"sentiment":"neutral","sentiment_score":0.005333710461854935},{"text":"Yeah.","start":1482.2,"end":1482.52,"sentiment":"neutral","sentiment_score":0.1130017265677452},{"text":"Sure.","start":1482.52,"end":1483.02,"sentiment":"neutral","sentiment_score":0.22225409746170044},{"text":"Yeah.","start":1484.04,"end":1484.54,"sentiment":"neutral","sentiment_score":0.1553192436695099},{"text":"Yep.","start":1501.92,"end":1502.42,"sentiment":"neutral","sentiment_score":0.0314444825053215}],"sentiment":"neutral","sentiment_score":0.1054706521332264,"num_words":5,"start":1471.865,"end":1502.42},{"sentences":[{"text":"Yep.","start":1511.935,"end":1512.435,"sentiment":"neutral","sentiment_score":0.11105215549468994},{"text":"Yeah.","start":1519.775,"end":1520.175,"sentiment":"neutral","sentiment_score":0.12335984408855438},{"text":"Sure.","start":1520.175,"end":1520.675,"sentiment":"neutral","sentiment_score":0.2653937339782715},{"text":"Mhmm.","start":1534.3,"end":1534.8,"sentiment":"neutral","sentiment_score":-0.01935693062841892},{"text":"Mhmm.","start":1548.905,"end":1549.405,"sentiment":"neutral","sentiment_score":0.01968313194811344}],"sentiment":"neutral","sentiment_score":0.10002638697624207,"num_words":5,"start":1511.935,"end":1549.405},{"sentences":[{"text":"Yes.","start":1557.04,"end":1557.54,"sentiment":"neutral","sentiment_score":0.03217824548482895},{"text":"Yeah.","start":1575.855,"end":1576.355,"sentiment":"neutral","sentiment_score":0.060015179216861725},{"text":"Okay.","start":1585.7599,"end":1586.2599,"sentiment":"neutral","sentiment_score":0.17980673909187317},{"text":"Yep.","start":1597.425,"end":1597.925,"sentiment":"neutral","sentiment_score":0.2529902160167694},{"text":"Okay.","start":1603.5851,"end":1603.8251,"sentiment":"neutral","sentiment_score":0.06404189765453339}],"sentiment":"neutral","sentiment_score":0.11780645549297333,"num_words":5,"start":1557.04,"end":1603.8251},{"sentences":[{"text":"Thanks.","start":1603.8251,"end":1604.3251,"sentiment":"neutral","sentiment_score":0.2085922807455063},{"text":"No.","start":1605.665,"end":1606.145,"sentiment":"neutral","sentiment_score":-0.14652889966964722},{"text":"No.","start":1606.145,"end":1606.4651,"sentiment":"neutral","sentiment_score":-0.1957240253686905},{"text":"I don't think so.","start":1606.4651,"end":1607.525,"sentiment":"neutral","sentiment_score":-0.18861490488052368},{"text":"Yes.","start":1639.5549,"end":1640.0549,"sentiment":"neutral","sentiment_score":-0.0029876679182052612}],"sentiment":"neutral","sentiment_score":-0.11138849146664143,"num_words":8,"start":1603.8251,"end":1640.0549},{"sentences":[{"text":"Yep.","start":1652.99,"end":1653.49,"sentiment":"neutral","sentiment_score":0.043729037046432495},{"text":"Yep.","start":1653.865,"end":1654.365,"sentiment":"neutral","sentiment_score":0.041586484760046005},{"text":"Yep.","start":1666.825,"end":1667.325,"sentiment":"neutral","sentiment_score":0.06196080148220062},{"text":"Dot dot Yes.","start":1668.505,"end":1680.02,"sentiment":"neutral","sentiment_score":0.027023807168006897},{"text":"Yeah.","start":1705.75,"end":1706.07,"sentiment":"neutral","sentiment_score":0.08122570812702179}],"sentiment":"neutral","sentiment_score":0.04422477898853166,"num_words":7,"start":1652.99,"end":1706.07},{"sentences":[{"text":"Sure.","start":1706.07,"end":1706.57,"sentiment":"neutral","sentiment_score":0.0665195882320404},{"text":"Yep.","start":1708.5499,"end":1709.0499,"sentiment":"neutral","sentiment_score":0.1185932606458664},{"text":"Yep.","start":1714.045,"end":1714.545,"sentiment":"neutral","sentiment_score":0.03186093643307686},{"text":"Yeah.","start":1721.5651,"end":1722.0651,"sentiment":"positive","sentiment_score":0.3923068046569824},{"text":"So you're happy with Yeah.","start":1722.925,"end":1725.485,"sentiment":"positive","sentiment_score":0.5687293469905853}],"sentiment":"positive","sentiment_score":0.38365859165787697,"num_words":9,"start":1706.07,"end":1725.485},{"sentences":[{"text":"Everything's been moving smoothly.","start":1725.485,"end":1728.22,"sentiment":"positive","sentiment_score":0.5723868310451508},{"text":"It was since I joined, so no reason to leave.","start":1728.22,"end":1731.92,"sentiment":"positive","sentiment_score":0.3902566462755203},{"text":"Maybe go every six months.","start":1748.0751,"end":1750.015,"sentiment":"neutral","sentiment_score":-0.0002141149714589119},{"text":"Just the way the world's it's just so topsy-turvy at the moment.","start":1750.555,"end":1754.9099,"sentiment":"neutral","sentiment_score":-0.09156161538946132},{"text":"So I think oh, don't know what's gonna happen every day or something.","start":1754.9099,"end":1760.77,"sentiment":"neutral","sentiment_score":-0.14514786176956618}],"sentiment":"neutral","sentiment_score":0.07284958237274126,"num_words":44,"start":1725.485,"end":1760.77},{"sentences":[{"text":"I don't know.","start":1762.03,"end":1764.69,"sentiment":"neutral","sentiment_score":-0.3007523665825526},{"text":"My brother so my brother invested in drone shares, and then next thing and then next thing, companies around side go to each other and it went through the roof.","start":1765.15,"end":1774.0651,"sentiment":"neutral","sentiment_score":-0.10280128108958403},{"text":"Yeah.","start":1775.085,"end":1775.585,"sentiment":"neutral","sentiment_score":-0.020381806418299675},{"text":"Yeah.","start":1775.725,"end":1776.225,"sentiment":"neutral","sentiment_score":-0.02014804631471634},{"text":"Yeah.","start":1777.5651,"end":1778.0651,"sentiment":"neutral","sentiment_score":-0.027250995859503743}],"sentiment":"neutral","sentiment_score":-0.11261323280632496,"num_words":36,"start":1762.03,"end":1778.0651},{"sentences":[{"text":"Yeah.","start":1780.525,"end":1781.025,"sentiment":"neutral","sentiment_score":-0.033713266253471375},{"text":"Exactly.","start":1781.04,"end":1781.54,"sentiment":"neutral","sentiment_score":0.02311558648943901},{"text":"Yep.","start":1787.8275,"end":1788.3275,"sentiment":"neutral","sentiment_score":0.03871653974056244},{"text":"Yep.","start":1797.495,"end":1797.815,"sentiment":"neutral","sentiment_score":0.05592278763651848},{"text":"Sure.","start":1797.815,"end":1798.315,"sentiment":"neutral","sentiment_score":0.06075779348611832}],"sentiment":"neutral","sentiment_score":0.028959888219833373,"num_words":5,"start":1780.525,"end":1798.315},{"sentences":[{"text":"Yeah.","start":1822.635,"end":1822.9551,"sentiment":"neutral","sentiment_score":0.03996548056602478},{"text":"If you give me a week, we can work it out, and then we can get from there.","start":1822.9551,"end":1827.515,"sentiment":"neutral","sentiment_score":0.04346819221973419},{"text":"Yep.","start":1827.515,"end":1828.015,"sentiment":"neutral","sentiment_score":0.12101086229085922},{"text":"Yep.","start":1834.555,"end":1835.055,"sentiment":"neutral","sentiment_score":0.013084517791867256},{"text":"No.","start":1837.8201,"end":1838.2201,"sentiment":"neutral","sentiment_score":-0.20363333821296692}],"sentiment":"neutral","sentiment_score":0.03422068101777272,"num_words":22,"start":1822.635,"end":1838.2201},{"sentences":[{"text":"I think you've covered everything.","start":1838.2201,"end":1839.76,"sentiment":"neutral","sentiment_score":-0.021370829641819},{"text":"Yep.","start":1845.239,"end":1845.739,"sentiment":"neutral","sentiment_score":0.19760090112686157},{"text":"No problems at all.","start":1847.799,"end":1849.019,"sentiment":"positive","sentiment_score":0.5255929306149483},{"text":"No worries.","start":1851.079,"end":1851.559,"sentiment":"positive","sentiment_score":0.44475141167640686},{"text":"See you.","start":1851.559,"end":1852.219,"sentiment":"positive","sentiment_score":0.5789159834384918}],"sentiment":"neutral","sentiment_score":0.3028895189719541,"num_words":14,"start":1838.2201,"end":1852.219},{"sentences":[{"text":"You too.","start":1853.079,"end":1853.559,"sentiment":"neutral","sentiment_score":0.27109768986701965},{"text":"Bye.","start":1853.559,"end":1854.059,"sentiment":"neutral","sentiment_score":-0.11668641120195387}],"sentiment":"neutral","sentiment_score":0.14183632284402847,"num_words":3,"start":1853.079,"end":1854.059}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Hi, Steven. It's Jenna here from Oakview Financial phoning for annual review.\n\nChannel 1: Thanks. Please stay on the line. Hi. Steven speaking.\n\nChannel 0: Hi, Steven. It's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: Not bad. Yourself?\n\nChannel 0: I'm good. Thank you. I just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yep. Wonderful. And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please?\n\nChannel 1: Steven Pierce. I have absolutely no idea what my current password is.\n\nChannel 0: Please?\n\nChannel 1: I can give\n\nChannel 0: Okay.\n\nChannel 1: you\n\nChannel 0: So\n\nChannel 1: my my\n\nChannel 0: yeah.\n\nChannel 1: address\n\nChannel 0: I\n\nChannel 1: is 34 Waterglass Street, Spring Farm, if that helps.\n\nChannel 0: yes. That's fine. And what about your date\n\nChannel 1: 07/03/1992.\n\nChannel 0: birth? Perfect. So your client password is LykesterFC or\n\nChannel 1: Oh, okay.\n\nChannel 0: like yeah. Football\n\nChannel 1: Let's\n\nChannel 0: team,\n\nChannel 1: start.\n\nChannel 0: it says. Yeah. There you\n\nChannel 1: Yeah.\n\nChannel 0: go. Did you wanna change that at all, or are you\n\nChannel 1: No.\n\nChannel 0: happy\n\nChannel 1: That\n\nChannel 0: with\n\nChannel 1: makes\n\nChannel 0: that?\n\nChannel 1: that make that makes sense.\n\nChannel 0: Okay. Beautiful. Fantastic. Just hoping not to take too much of your time today. Do you have time now to run through your annual review?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. What I'll start by doing is just making sure the information that we have on file is up to date and current. Now I know you've purchased a new home, so that probably needs to be updated.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm going to do is just start with items that are likely to have changed since your last review. So are you sing are you still single? Or\n\nChannel 1: Yep. No. I have a partner and a daughter\n\nChannel 0: yep.\n\nChannel 1: now.\n\nChannel 0: Oh, wow. Congratulations. How about your daughter?\n\nChannel 1: She's 18 old.\n\nChannel 0: Oh, wow. And what's her name?\n\nChannel 1: Charlotte.\n\nChannel 0: Oh, that's a beauty. I was I had that on my list. I love that name.\n\nChannel 1: Yeah. Here you\n\nChannel 0: And\n\nChannel 1: go. It's probably the most popular girl's name now.\n\nChannel 0: yeah. And what's your partner's name?\n\nChannel 1: Melissa.\n\nChannel 0: Melissa? Same surname? Or\n\nChannel 1: Yeah. Hayes, h a y e s.\n\nChannel 0: beautiful. Beautiful. Now with what we usually do is have a next of kin on file. Are\n\nChannel 1: Yep.\n\nChannel 0: you would that be Melissa for you?\n\nChannel 1: That would be her. Yep.\n\nChannel 0: Yeah. And what's her best contact number if we are ever unable to reach you?\n\nChannel 1: 0400.\n\nChannel 0: Yep.\n\nChannel 1: That's two digits. I can't remember the rest of them. Hold on. 4054\n\nChannel 0: Four zero\n\nChannel 1: 0\n\nChannel 0: five. Yep.\n\nChannel 1: 5. Yep. 207.\n\nChannel 0: 207. Okay. Additionally, the I have you down as a sign installer. Is that still correct?\n\nChannel 1: Correct. Yeah. So tradesman sign rider, but, basically, mainly what I do these days is is the installation of them.\n\nChannel 0: Okay. I'm just updating that. Okay. Are you still self employed?\n\nChannel 1: Yep. Still self employed,\n\nChannel 0: Yep.\n\nChannel 1: thankfully.\n\nChannel 0: Yep. That's good. That's good. And on average, how many hours per week do you work?\n\nChannel 1: Woah. I assume sixty, I think, would be going\n\nChannel 0: Yeah.\n\nChannel 1: thing here.\n\nChannel 0: Okay. Do you and how many years have you been in the industry?\n\nChannel 1: I think it'll be about sixteen.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. I think it was the first year I put it about sixteen years ago. Maybe about that.\n\nChannel 0: Yep. Perfect. That's alright. And your business is still called Tucker's Installations?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Alright. We've got your income down here as 80,000. Do you think that would be correct?\n\nChannel 1: Yeah. I think it's 82 sorry. It's it's not going up much, but it's about that.\n\nChannel 0: Okay. That's fine. Being self employed, is there any other income that is potentially directed towards your spouse or\n\nChannel 1: Not\n\nChannel 0: partner?\n\nChannel 1: me. No.\n\nChannel 0: Nope.\n\nChannel 1: So she\n\nChannel 0: No.\n\nChannel 1: she she works for for me. So she\n\nChannel 0: Yep.\n\nChannel 1: gets a regular\n\nChannel 0: Yep.\n\nChannel 1: working wage.\n\nChannel 0: Yep.\n\nChannel 1: However,\n\nChannel 0: Perfect.\n\nChannel 1: it's what it is. I can't remember that, but\n\nChannel 0: Yep.\n\nChannel 1: yes.\n\nChannel 0: That's all good. And your expenditure per week, what do you estimate that to be? Excluding oh, including or excluding mortgage repayment. It's up to you.\n\nChannel 1: Well, mortgage repayment's about 600 a week. It's probably $85,900 a week expenditure including mortgage. Yep.\n\nChannel 0: Include\n\nChannel 1: Yep.\n\nChannel 0: including 900. Yep. Beautiful. And what about any savings\n\nChannel 1: Go. Ready?\n\nChannel 0: per week?\n\nChannel 1: I tried to save about a 150.\n\nChannel 0: Yep. Beautiful. Are you making super contributions on your own\n\nChannel 1: Yeah.\n\nChannel 0: behalf?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I make the just the regular with the 12\n\nChannel 0: The 12%?\n\nChannel 1: percent or something.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. Beautiful. Are you doing any more or just the 12%?\n\nChannel 1: Nah. Just the 12%.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Call it.\n\nChannel 0: Are you wanting to do any more at the present time?\n\nChannel 1: Not at the present time. Maybe have a look at it again next year. But for now,\n\nChannel 0: Yep.\n\nChannel 1: it's yeah. Just wait a minute.\n\nChannel 0: Okay. No. That's fine. We always just like to just double check to make sure if there's anything that we do need to touch on that, you know, we've covered it off with you.\n\nChannel 1: Yeah.\n\nChannel 0: The new home that you purchased, how much do you estimate that to be valued at?\n\nChannel 1: We purchased it for 1,000,070. I think it's now they value it at $11.07. I think it's one of a 100. Is\n\nChannel 0: Beautiful.\n\nChannel 1: it according to realestate.com?\n\nChannel 0: And what's the debt attached to it?\n\nChannel 1: It's it'd be around 700 and something thousand now. It was originally 800, but it'd be about 7 something now.\n\nChannel 0: $7.50 or yeah.\n\nChannel 1: Say\n\nChannel 0: Any\n\nChannel 1: 7\n\nChannel 0: ideas?\n\nChannel 1: 70 is probably would probably\n\nChannel 0: Yep.\n\nChannel 1: be around something like\n\nChannel 0: $7.70.\n\nChannel 1: that.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Any other assets or debts that you have?\n\nChannel 1: I've got oh, so it's all through the business these days. It's I\n\nChannel 0: Yes.\n\nChannel 1: got a brand new Ute.\n\nChannel 0: Yeah. Lovely.\n\nChannel 1: Yeah.\n\nChannel 0: And that's through the business, is it? Okay. What's the value of that?\n\nChannel 1: Yeah. Oh, that's I don't know. Brand new, I think, there. I think 65,000. That's probably worth I think it's, what, maybe a year and a half old.\n\nThat's probably worth 50,\n\nChannel 0: Okay.\n\nChannel 1: 7,000.\n\nChannel 0: And any any of the debts\n\nChannel 1: Yeah.\n\nChannel 0: attached\n\nChannel 1: So I think I've I've paid I put in,\n\nChannel 0: to\n\nChannel 1: I think, 20 something thousand\n\nChannel 0: that?\n\nChannel 1: to it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: And it's gonna be\n\nChannel 0: So\n\nChannel 1: the difference.\n\nChannel 0: $45.40.\n\nChannel 1: Yeah. I think it's 40. I think I got got them down to\n\nChannel 0: Yep.\n\nChannel 1: 60. I think I've\n\nChannel 0: Okay.\n\nChannel 1: got if I remember correctly.\n\nChannel 0: That's okay. Any other assets or debts?\n\nChannel 1: No. I think that's it.\n\nChannel 0: No? Fantastic. Alright. Sorry about this question. I have to ask too.\n\nHave you ever been declared bankrupt?\n\nChannel 1: Nice. Thankfully.\n\nChannel 0: No. And are you a tax resident of any country outside of Australia?\n\nChannel 1: Sorry?\n\nChannel 0: Are you a tax resident of any other country except Australia?\n\nChannel 1: No. I'm a resident of The UK, but I haven't never I've never worked there,\n\nChannel 0: Yeah.\n\nChannel 1: so I've never had to do a tax thing.\n\nChannel 0: Fantastic. Beautiful. I've got you listed here as a nonsmoker. Is that still the case?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Beautiful. Any significant health issues or injuries since our last review?\n\nChannel 1: I fractured my wrist, but that was about it.\n\nChannel 0: And full recovery?\n\nChannel 1: Yeah. Yeah. I didn't even know I\n\nChannel 0: Beautiful.\n\nChannel 1: did it, to be honest. Until three months later.\n\nChannel 0: They I've I've had a fractured wrist, and they've they're pretty hard to pick up on.\n\nChannel 1: Yeah. It just happened. Like, it just swelled up, and I went to a doctor, and they're like, oh, did you know you have fractured this about three months ago? It's just never healed. Said, nope.\n\nI had no idea.\n\nChannel 0: Oh, it's a waste away.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any private health insurance?\n\nChannel 1: Yeah. I have Oh, I just it is working. So look what which one it is. My insurance. It's Bronze Hospital with Single Lifestyle Extras.\n\nChannel 0: Sorry. What was the company's name?\n\nChannel 1: It's Qantas?\n\nChannel 0: Qantas. Oh, sorry\n\nChannel 1: Yeah.\n\nChannel 0: about that.\n\nChannel 1: And, yeah, it was a Bronze Hospital. I actually need to change that. Yeah. It's a\n\nChannel 0: That's\n\nChannel 1: single one. It's\n\nChannel 0: a\n\nChannel 1: a system\n\nChannel 0: might need to\n\nChannel 1: itself.\n\nChannel 0: update that.\n\nChannel 1: Yeah.\n\nChannel 0: Do you take any regular medication?\n\nChannel 1: No.\n\nChannel 0: No. And what's your we've got your height at a hundred and seventy eight centimeters. Have you grown or shrunk?\n\nChannel 1: No. I think I'm about the same. I think I\n\nChannel 0: Yep. And we have you weighed at a hundred and fifteen.\n\nChannel 1: think I put on a few kilos since then. It's probably about a hundred and twenty five, I think, now.\n\nChannel 0: Okay. Beautiful. And do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. Okay. What I might do is talk to you a little bit about that just in relation to having a young child now and a and a partner. It's probably something that you need to do you do need to look at.\n\nChannel 1: Yeah. I know. My my grandmother died initially last night. So it's it's it's actually\n\nChannel 0: Oh\n\nChannel 1: something\n\nChannel 0: my god. I am so\n\nChannel 1: yeah.\n\nChannel 0: sorry.\n\nChannel 1: It's alright. That's that's definitely something I need to look at doing.\n\nChannel 0: I'm so sorry for your loss. I'm sorry. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: It was\n\nChannel 0: awful.\n\nChannel 1: yeah. We knew it was coming, thankfully. It was\n\nChannel 0: Yeah.\n\nChannel 1: just one of them things. But, yeah, it was 10:00 last night I found out.\n\nChannel 0: Oh, gosh. Well, I hopefully, you had the chance to say goodbye and\n\nChannel 1: No.\n\nChannel 0: all\n\nChannel 1: Not\n\nChannel 0: those\n\nChannel 1: really.\n\nChannel 0: shots.\n\nChannel 1: She\n\nChannel 0: No?\n\nChannel 1: because they're that she's on the other side of the world.\n\nChannel 0: Oh,\n\nChannel 1: So I spoke to her\n\nChannel 0: okay.\n\nChannel 1: about a month ago, and that was about it. And that was the last\n\nChannel 0: Okay.\n\nChannel 1: caller to speak to her.\n\nChannel 0: Yeah. Oh, gosh. I'm so sorry to hear that. Yes. Okay.\n\nSo you obviously know the importance on that, so I won't\n\nChannel 1: Yes.\n\nChannel 0: touch anymore on that. But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use. They are very\n\nChannel 1: Yeah.\n\nChannel 0: affordable\n\nChannel 1: Okay.\n\nChannel 0: and just send that out to you for you to have a look at,\n\nChannel 1: Yeah. Sure.\n\nChannel 0: and we can introduce you to them should you decide to go down that path.\n\nChannel 1: Yes. Sure.\n\nChannel 0: Okay. Okay. Now we haven't done a risk profile in a little bit.\n\nChannel 1: Yep.\n\nChannel 0: I just wanna complete that quickly with you\n\nChannel 1: Yep.\n\nChannel 0: because I have you here as a growth in Vista, but your portfolio, which we'll touch on in a little bit, is more of a balanced\n\nChannel 1: Yeah. I think\n\nChannel 0: approach.\n\nChannel 1: it's changed since the last last time I did it. Yeah.\n\nChannel 0: Yeah. So I just wanna run through with you. Ask it's about six or so questions, and there's\n\nChannel 1: Yep.\n\nChannel 0: no right or wrong answer. It's\n\nChannel 1: Yep.\n\nChannel 0: just your gut feeling and your first reaction\n\nChannel 1: Yep. Probably I know.\n\nChannel 0: super fund, you do have managed investments. So that's that does count as well. Once your investment has been placed, how long would you need before you access to it? So you're 34, so you can't access it till 60.\n\nChannel 1: Yeah.\n\nChannel 0: Would it be longer than ten years?\n\nChannel 1: That's what I said.\n\nChannel 0: Yes. Yep. Alright. Inflation means things are getting a little bit more expensive over time, making your money worthless. How much risk are you willing to take to keep up with this rising prices?\n\nWould you be willing to take very high risks, high risks, moderate, a small amount, or or none at\n\nChannel 1: Probably\n\nChannel 0: all?\n\nChannel 1: moderate.\n\nChannel 0: Moderate?\n\nChannel 1: So risk\n\nChannel 0: Yep.\n\nChannel 1: risk risk reward, isn't it, really?\n\nChannel 0: That's correct. Yeah. Yep. We can run through that as well shortly. How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market?\n\nWould you invest more for growth either heavily or modestly? Would you hold and\n\nChannel 1: I definitely wouldn't go to cash. I probably what's the moderately one?\n\nChannel 0: Hold and wait.\n\nChannel 1: Hold. Yeah. Hold and wait. Yeah.\n\nChannel 0: Or\n\nChannel 1: That was it.\n\nChannel 0: you could invest moderately for growth.\n\nChannel 1: Probably hold them right.\n\nChannel 0: Yeah. Okay. What kind of return do you expect from your investments over the long term? 8% and above, six to 8%, four to six, two to four, zero to two.\n\nChannel 1: Probably eight seven above.\n\nChannel 0: Yep. And have your investments, including your superannuation, ever dropped in value? And if so, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, or highly anxious,\n\nChannel 1: I've never lost anything, but Albanese is trying his best to ruin my life. So or I have watched my price go decrease. So it was up my house was up a certain amount. It's decreased since.\n\nChannel 0: Yep.\n\nChannel 1: So that frustrated the hell out of me.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Other than that, I really experienced. I never actually really lost as such. I've just lost what I've gained.\n\nChannel 0: Yeah. So would it would you be cautious making no further investments, or would you\n\nChannel 1: Yeah.\n\nChannel 0: be concerned?\n\nChannel 1: Probably probably probably cautious.\n\nChannel 0: Yep. Okay.\n\nChannel 1: I'd still do it if I if I was to do it, but I just yeah. Probably read up a little bit more.\n\nChannel 0: Beautiful. Yeah. Of course. And have you ever thought about taking out money to a loan to invest? So the answer is obviously yes because you've purchased your home.\n\nBut would you be open to borrowing for stocks and funds or for an investment property?\n\nChannel 1: Maybe for an investment property, but,\n\nChannel 0: Yep. Yep.\n\nChannel 1: again, Albany is trying to ruin that.\n\nChannel 0: Fantastic. True. So you have come out a a growth investor, which\n\nChannel 1: Yep.\n\nChannel 0: is what you were previously. So what that means is that a growth risk profile typically has an allocation of 80 percent of their assets to growth assets and\n\nChannel 1: Yep.\n\nChannel 0: 20% to defensive assets. At the moment, your super fund has about 71.5 to gross assets and 28.5\n\nChannel 1: Yep.\n\nChannel 0: to defensive assets. So you're\n\nChannel 1: Yep.\n\nChannel 0: about 10 out on either side. So,\n\nChannel 1: Yep.\n\nChannel 0: I mean, are you comfortable with a growth investment profile? It does mean a growth investment part investment profile would be at least a six year minimum time frame. You'd have a likelihood of a negative\n\nChannel 1: Mhmm.\n\nChannel 0: return of one in every five years,\n\nChannel 1: Yep.\n\nChannel 0: and your expected return in that class would be between seven to 9% grosser fees. So it it would hit you'd probably settle somewhere around that 8% mark, typically. So\n\nChannel 1: Yep.\n\nChannel 0: just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that.\n\nChannel 1: Yeah. I'm probably probably probably come to Goodgrass. Yeah.\n\nChannel 0: Yep. Okay. Now that I've just confirmed that, what I wanna do is just revisit your goals from last time you had a review just to check and make sure that they're still appropriate.\n\nChannel 1: Yep. Yep.\n\nChannel 0: One was to your first one was to buy a house in the next little bit, which you have ticked\n\nChannel 1: Jake.\n\nChannel 0: off, which is fantastic.\n\nChannel 1: Yes.\n\nChannel 0: A long term goal was you just wanna be comfortable and have a healthy source of income. Is that in is that for retirement, or is that\n\nChannel 1: I think it's just a just a live\n\nChannel 0: yeah.\n\nChannel 1: live comfortably\n\nChannel 0: Yeah.\n\nChannel 1: and not have, like, the mortgage stress and things like that, Sure.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Which\n\nChannel 0: So\n\nChannel 1: is\n\nChannel 0: is one of\n\nChannel 1: it's kind of it's still got a goal. Like, we're expanding our business at the moment from installation.\n\nChannel 0: yep.\n\nChannel 1: Like, we just got a actually, we just got a a factory, like, renting one.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So that's\n\nChannel 0: Yep.\n\nChannel 1: something we're pursuing to go down the road of that to obviously generate more income and keep up with the Joneses,\n\nChannel 0: Yep.\n\nChannel 1: basically.\n\nChannel 0: Yeah. I understand that. Is there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own?\n\nChannel 1: At the moment, we're happy to manage on our own because we're just we're just putting a bit extra into our what do they call it?\n\nChannel 0: Off that account.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: and just, yeah, just try to chop it down that way at the moment. And then once the little one gets a bit old, it'll probably go a bit\n\nChannel 0: Yes.\n\nChannel 1: more aggressive at it.\n\nChannel 0: That's fine. That's absolutely fine. You have here for retirement, you'd like to retire at the age of 60 with an income of 600 per week. Now that's probably based on when pre daughter and partner. What\n\nChannel 1: Yeah.\n\nChannel 0: do you think that looks like now?\n\nChannel 1: Oh, probably just double it.\n\nChannel 0: 12 so still 60, but 1,200 a week.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And\n\nChannel 1: I'd like\n\nChannel 0: that and\n\nChannel 1: I'd like to be sitting back and\n\nChannel 0: yeah. Enjoying life.\n\nChannel 1: yeah.\n\nChannel 0: So so you'd wanna be debt free as well by then?\n\nChannel 1: Yeah. Ideally.\n\nChannel 0: Yep.\n\nChannel 1: Or\n\nChannel 0: Beautiful.\n\nChannel 1: or a position where if I was too downsized and I I\n\nChannel 0: Yeah.\n\nChannel 1: can do that with have\n\nChannel 0: Yeah.\n\nChannel 1: leftover\n\nChannel 0: Yeah. The equity.\n\nChannel 1: funds. Yet.\n\nChannel 0: Yeah. Of course. Beautiful. You said that you wanna get your funds growing for you at a better rate and make more money through your super. Still applicable?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And last time, you didn't really want to seek any advice on insurance policies. Is that still your stance now given that you have a young daughter and a mortgage and a partner? And probably without you, there would be no\n\nChannel 1: Yes. You're right. It's it's a funny thing I need to speak to my partner about because I've we've been meaning to do health insurance stuff, but I just never\n\nChannel 0: Yeah.\n\nChannel 1: got around to it yet.\n\nChannel 0: Alright. What I'm gonna do is send you some information on the\n\nChannel 1: Yep.\n\nChannel 0: different types of insurances available. I'm going to strongly recommend you and your partner have a chat about it.\n\nChannel 1: Yep.\n\nChannel 0: There are I'll put together some information, just some general information for you,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Sure.\n\nChannel 0: we will it's probably something that we do need to look out for you\n\nChannel 1: Yep.\n\nChannel 0: and something that we we should prioritize.\n\nChannel 1: Okay.\n\nChannel 0: So outside of that, we've got your estate planning. So being the wills, I'll send through to you. The other thing I just wanted to flag is that for your superannuation\n\nChannel 1: Mhmm.\n\nChannel 0: fund with Hub twenty four, your beneficiary noted is Tracy Tucker.\n\nChannel 1: Yes. That's my mother-in-law to change that too.\n\nChannel 0: Okay. I need to update. Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Update. I'm just gonna make a note of this to\n\nChannel 1: Yeah.\n\nChannel 0: Melissa. What is Melissa's date of birth?\n\nChannel 1: 08/24/1991.\n\nChannel 0: 1991. Okay. Fantastic. I'll make sure that that's in recorded in our documents, and we can get that all sent out. With that, it will require a wet signature.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Do you have access to a printer, or would you like me to post it?\n\nChannel 1: No. I have a girlfriend, Taya.\n\nChannel 0: Okay. You'll need two witnesses, and Melissa\n\nChannel 1: Yep.\n\nChannel 0: will not be able to be one of them, though, because\n\nChannel 1: Yeah.\n\nChannel 0: she will\n\nChannel 1: Awesome.\n\nChannel 0: be beneficiary.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Fantastic. What I'm going to do while we continue to talk, I'm just gonna send do you have access to your emails at the moment?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. I'm just sending through some documents that will come through from OdooSign. It's just your pack that we're gonna talk through.\n\nChannel 1: Yep. Oh, yeah. That\n\nChannel 0: And\n\nChannel 1: was quick.\n\nChannel 0: there we\n\nChannel 1: There\n\nChannel 0: go.\n\nChannel 1: we go.\n\nChannel 0: So you let me know when you've got those documents open.\n\nChannel 1: Yeah. Well, it opens for me. Come on.\n\nChannel 0: I think you gotta click on sign, but you don't actually sign anything. It'll just\n\nChannel 1: Yeah.\n\nChannel 0: take you\n\nChannel 1: I'm\n\nChannel 0: through\n\nChannel 1: trying\n\nChannel 0: all\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: click on it. It's not nothing's there we go. We're\n\nChannel 0: oh,\n\nChannel 1: on.\n\nChannel 0: you got it? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So the first document you'll see is just a summary of your superannuation fund with the balance as of the thirty first sitting at approximately 109. That's good. That's a good thing.\n\nChannel 1: Yeah.\n\nChannel 0: The next document over is your performance for return for the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: So, overall, it was so net of fees, so after fees, 5.57%. So we've fallen short of that seven to 9% mark because of the asset allocation, but you'll also see that first fund at the top, and along Australian equities,\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: they performed not great. One of our so it's\n\nChannel 1: Yeah.\n\nChannel 0: that's not to say that the Australian share market did not perform well. It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market,\n\nChannel 1: Yes.\n\nChannel 0: growth opportunities. Now,\n\nChannel 1: Yes.\n\nChannel 0: unfortunately, for them, that that didn't pay off, and we had you had more of the higher ASX 200, so being the banks and the bigger companies that performed\n\nChannel 1: Yep.\n\nChannel 0: well in the market. So\n\nChannel 1: Yeah.\n\nChannel 0: one of the things that I'd like to do is look at potential replacements, investigate some replacements of that for you. Is that are you happy with that?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And the other one that I would like to investigate a little bit further is the next one down, the beta bank hybrid fund. Now the reason for that being is that the banks are phasing out the hybrids, and they'll\n\nChannel 1: Yep.\n\nChannel 0: cease in around January 2027. So what I'd like to do is there's no need to necessarily rush out of it, but I would\n\nChannel 1: Yep.\n\nChannel 0: like to have a look at other options and investigate what we could do in the meantime and if it's a better outcome for you, if that's okay.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. The next document over is your Vanguard index chart. Now this is probably where we talked a bit about your gross and defensive assets. So\n\nChannel 1: Mhmm.\n\nChannel 0: the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets. So, ideally, that's where we want 80% of your funds to be spread across.\n\nChannel 1: Mhmm.\n\nChannel 0: You'll see the volatility associated with those those sectors\n\nChannel 1: Yes.\n\nChannel 0: and that over time, you will experience volatility. So I guess this we use this chart as a visual for clients to help understand where their funds are invested\n\nChannel 1: Yeah.\n\nChannel 0: at. The remaining 20% is in items such as the Australian bonds and cash. So they're your defensive type assets that\n\nChannel 1: Okay.\n\nChannel 0: allow for more of an income. You will see that there is growth at times, but they're more income producing assets and to ensure that your your portfolio\n\nChannel 1: Yep.\n\nChannel 0: is does have a defensive allocation to it. Any\n\nChannel 1: Okay.\n\nChannel 0: questions\n\nChannel 1: Thanks.\n\nChannel 0: about that?\n\nChannel 1: No. No. I don't think so.\n\nChannel 0: No? Okay. Beautiful. The next document is our financial license is, that we're licensed through ASIC, and, additionally, additionally, what services we provide and how we provide advice, our fee structure, and complaints handling process. So\n\nChannel 1: Yes.\n\nChannel 0: processes if you are unhappy with any of the services that we provide to you. And finally, the last document is the consent to the ongoing service fee. So this\n\nChannel 1: Yep.\n\nChannel 0: is our fee\n\nChannel 1: Yep.\n\nChannel 0: that we charge for our services. So you'll see at the bottom of the first page that fee is estimated to be $1,888.67 per annum.\n\nChannel 1: Yep.\n\nChannel 0: What what that\n\nChannel 1: Dot\n\nChannel 0: what\n\nChannel 1: dot\n\nChannel 0: well, how that's charged is it's divided by 12 and then charged monthly from your superannuation fund, hub\n\nChannel 1: Yes.\n\nChannel 0: 24. So what that advice service fee covers is the advice contained within your superannuation and your ongoing reviews. And in saying that, you're not limited to one review per year. If you've got some questions you'd like to ask or anything comes up or there's potentially a new a new situation that you need to discuss, you just get in contact and\n\nChannel 1: Yeah.\n\nChannel 0: and phone\n\nChannel 1: Sure.\n\nChannel 0: us, and we book in a time.\n\nChannel 1: Yep.\n\nChannel 0: So the only document that requires signing is that last one.\n\nChannel 1: Yep.\n\nChannel 0: But before you do, just make sure you're comfortable and happy with it and that you are happy to continue as a client with Oakview\n\nChannel 1: Yeah.\n\nChannel 0: and, also, that you're\n\nChannel 1: So\n\nChannel 0: happy\n\nChannel 1: you're\n\nChannel 0: with\n\nChannel 1: happy\n\nChannel 0: Hub\n\nChannel 1: with\n\nChannel 0: as well.\n\nChannel 1: Yeah. Everything's been moving smoothly. It was since I joined, so no reason to\n\nChannel 0: Fantastic.\n\nChannel 1: leave.\n\nChannel 0: Beautiful. That's lovely. And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent?\n\nChannel 1: Maybe go every six months. Just\n\nChannel 0: Yep.\n\nChannel 1: the way the world's it's just so topsy-turvy\n\nChannel 0: Yeah.\n\nChannel 1: at the moment. So\n\nChannel 0: It is, isn't it? It is.\n\nChannel 1: I think oh, don't know what's gonna happen every day or something.\n\nChannel 0: Yeah. I wish I had\n\nChannel 1: I\n\nChannel 0: that crystal ball. It would be\n\nChannel 1: don't\n\nChannel 0: very helpful.\n\nChannel 1: know. My brother so my brother invested in drone shares, and then\n\nChannel 0: Oh,\n\nChannel 1: next\n\nChannel 0: wow.\n\nChannel 1: thing and then next thing, companies around side go to each other and it went through the roof.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: it's timing, and you just gotta\n\nChannel 1: Yeah.\n\nChannel 0: be yeah. It's all about timing, these sorts\n\nChannel 1: Yeah.\n\nChannel 0: of things.\n\nChannel 1: Exactly.\n\nChannel 0: Alright. So my action items from this is I'm going to send you an introduction\n\nChannel 1: Yep.\n\nChannel 0: email for estate planning with a brochure attached. I'm gonna send you some information on insurances for you and Melissa to have a chat through.\n\nChannel 1: Yep. Sure.\n\nChannel 0: And I am going to look at alternatives for those funds that we did discuss. What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things? And I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with.\n\nChannel 1: Yeah. If you give me a week, we can\n\nChannel 0: Yep. Okay.\n\nChannel 1: work it out, and then we can get from there. Yep.\n\nChannel 0: Beautiful. Alright. Well, I'll get this information out to you as soon as possible. But\n\nChannel 1: Yep.\n\nChannel 0: in the meantime, do you have any other questions?\n\nChannel 1: No. I think you've covered everything.\n\nChannel 0: Oh, fantastic. Alright. Well, if you come up with anything in the meantime, please give me a call, and\n\nChannel 1: Yep.\n\nChannel 0: I'll speak to you soon.\n\nChannel 1: No problems at all.\n\nChannel 0: Thanks a lot for your time.\n\nChannel 1: No worries. See\n\nChannel 0: Enjoy\n\nChannel 1: you.\n\nChannel 0: your afternoon. Bye.\n\nChannel 1: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.02772528864443302},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.71999997,"end":5.14,"sentiment":"neutral","sentiment_score":0.019847685645800084}],"sentiment":"neutral","sentiment_score":0.020311074057484373,"channel":1,"num_words":17,"start":0.32,"end":5.14},{"sentences":[{"text":"Hi, Steven.","start":7.68,"end":8.48,"sentiment":"neutral","sentiment_score":0.06330664828419685},{"text":"It's Jenna here from Oakview Financial phoning for annual review.","start":8.48,"end":13.155001,"sentiment":"neutral","sentiment_score":0.09277666285634041}],"sentiment":"neutral","sentiment_score":0.08786499376098315,"channel":0,"num_words":12,"start":7.68,"end":13.155001},{"sentences":[{"text":"Thanks.","start":17.855,"end":18.355,"sentiment":"positive","sentiment_score":0.3747222125530243},{"text":"Please stay on the line.","start":18.495,"end":20.115,"sentiment":"neutral","sentiment_score":0.16631697118282318},{"text":"Hi.","start":26.494999,"end":26.814999,"sentiment":"neutral","sentiment_score":0.06472867727279663},{"text":"Steven speaking.","start":26.814999,"end":27.635,"sentiment":"neutral","sentiment_score":0.04802513308823109}],"sentiment":"neutral","sentiment_score":0.15189844576848877,"channel":1,"num_words":9,"start":17.855,"end":27.635},{"sentences":[{"text":"Hi, Steven.","start":28.11,"end":28.83,"sentiment":"neutral","sentiment_score":0.13121560961008072},{"text":"It's Jenna here phoning from Oakview Financial.","start":28.83,"end":31.01,"sentiment":"neutral","sentiment_score":0.14586715825966426},{"text":"How are you today?","start":31.07,"end":31.970001,"sentiment":"neutral","sentiment_score":0.19746672734618187}],"sentiment":"neutral","sentiment_score":0.1594898643401953,"channel":0,"num_words":13,"start":28.11,"end":31.970001},{"sentences":[{"text":"Not 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you.","start":368.46997,"end":378.535,"sentiment":"neutral","sentiment_score":0.010256617531801264}],"sentiment":"neutral","sentiment_score":0.009086553623680682,"channel":0,"num_words":34,"start":366.15,"end":378.535},{"sentences":[{"text":"Yeah.","start":378.71,"end":379.21,"sentiment":"neutral","sentiment_score":0.016978759318590164}],"sentiment":"neutral","sentiment_score":0.016978759318590164,"channel":1,"num_words":1,"start":378.71,"end":379.21},{"sentences":[{"text":"The new home that you purchased, how much do you estimate that to be valued at?","start":380.515,"end":385.26,"sentiment":"neutral","sentiment_score":0.015224639733787626}],"sentiment":"neutral","sentiment_score":0.015224639733787626,"channel":0,"num_words":16,"start":380.515,"end":385.26},{"sentences":[{"text":"We purchased it for 1,000,070.","start":385.565,"end":387.42502,"sentiment":"neutral","sentiment_score":0.026363372430205347},{"text":"I think it's now they value it at 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through.","start":1791.67,"end":1797.05,"sentiment":"neutral","sentiment_score":0.060228564502561796}],"sentiment":"neutral","sentiment_score":0.05884659320116043,"channel":0,"num_words":25,"start":1787.995,"end":1797.05},{"sentences":[{"text":"Yep.","start":1797.495,"end":1797.815,"sentiment":"neutral","sentiment_score":0.05592278763651848},{"text":"Sure.","start":1797.815,"end":1798.315,"sentiment":"neutral","sentiment_score":0.06075779348611832}],"sentiment":"neutral","sentiment_score":0.0583402905613184,"channel":1,"num_words":2,"start":1797.495,"end":1798.315},{"sentences":[{"text":"And I am going to look at alternatives for those funds that we did discuss.","start":1799.27,"end":1805.85,"sentiment":"neutral","sentiment_score":0.03956877092520396},{"text":"What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things?","start":1806.7151,"end":1815.915,"sentiment":"neutral","sentiment_score":0.04162610476386958},{"text":"And I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with.","start":1815.915,"end":1822.55,"sentiment":"neutral","sentiment_score":0.07109119163619147}],"sentiment":"neutral","sentiment_score":0.05239648980573869,"channel":0,"num_words":71,"start":1799.27,"end":1822.55},{"sentences":[{"text":"Yeah.","start":1822.635,"end":1822.9551,"sentiment":"neutral","sentiment_score":0.03996548056602478},{"text":"If you give me a week, we 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possible.","start":1829.49,"end":1833.91,"sentiment":"neutral","sentiment_score":0.12996635027229786},{"text":"But","start":1834.405,"end":1834.645,"sentiment":"neutral","sentiment_score":0.04515297710895538}],"sentiment":"neutral","sentiment_score":0.1373013064265251,"channel":0,"num_words":15,"start":1828.29,"end":1834.645},{"sentences":[{"text":"Yep.","start":1834.555,"end":1835.055,"sentiment":"neutral","sentiment_score":0.013084517791867256}],"sentiment":"neutral","sentiment_score":0.013084517791867256,"channel":1,"num_words":1,"start":1834.555,"end":1835.055},{"sentences":[{"text":"in the meantime, do you have any other questions?","start":1834.645,"end":1836.905,"sentiment":"neutral","sentiment_score":0.010640801447961066}],"sentiment":"neutral","sentiment_score":0.010640801447961066,"channel":0,"num_words":9,"start":1834.645,"end":1836.905},{"sentences":[{"text":"No.","start":1837.8201,"end":1838.2201,"sentiment":"neutral","sentiment_score":-0.20363333821296692},{"text":"I think you've covered everything.","start":1838.2201,"end":1839.76,"sentiment":"neutral","sentiment_score":-0.021370829641819}],"sentiment":"neutral","sentiment_score":-0.05174791440367699,"channel":1,"num_words":6,"start":1837.8201,"end":1839.76},{"sentences":[{"text":"Oh, fantastic.","start":1840.405,"end":1841.385,"sentiment":"positive","sentiment_score":0.7346431612968445},{"text":"Alright.","start":1841.445,"end":1841.6849,"sentiment":"positive","sentiment_score":0.4352629780769348},{"text":"Well, if you come up with anything in the meantime, please give me a call, and","start":1841.6849,"end":1845.7389,"sentiment":"neutral","sentiment_score":0.11863754689693451}],"sentiment":"neutral","sentiment_score":0.20014473952745138,"channel":0,"num_words":19,"start":1840.405,"end":1845.7389},{"sentences":[{"text":"Yep.","start":1845.239,"end":1845.739,"sentiment":"neutral","sentiment_score":0.19760090112686157}],"sentiment":"neutral","sentiment_score":0.19760090112686157,"channel":1,"num_words":1,"start":1845.239,"end":1845.739},{"sentences":[{"text":"I'll speak to you soon.","start":1845.8789,"end":1847.339,"sentiment":"neutral","sentiment_score":0.210702046751976}],"sentiment":"neutral","sentiment_score":0.210702046751976,"channel":0,"num_words":5,"start":1845.8789,"end":1847.339},{"sentences":[{"text":"No problems at all.","start":1847.799,"end":1849.019,"sentiment":"positive","sentiment_score":0.5255929306149483}],"sentiment":"positive","sentiment_score":0.5255929306149483,"channel":1,"num_words":4,"start":1847.799,"end":1849.019},{"sentences":[{"text":"Thanks a lot for your time.","start":1849.2389,"end":1850.7789,"sentiment":"positive","sentiment_score":0.8258367876211802}],"sentiment":"positive","sentiment_score":0.8258367876211802,"channel":0,"num_words":6,"start":1849.2389,"end":1850.7789},{"sentences":[{"text":"No worries.","start":1851.079,"end":1851.559,"sentiment":"positive","sentiment_score":0.44475141167640686},{"text":"See","start":1851.559,"end":1851.719,"sentiment":"positive","sentiment_score":0.5490831732749939}],"sentiment":"positive","sentiment_score":0.47952866554260254,"channel":1,"num_words":3,"start":1851.079,"end":1851.719},{"sentences":[{"text":"Enjoy","start":1851.6389,"end":1852.039,"sentiment":"positive","sentiment_score":0.666720986366272}],"sentiment":"positive","sentiment_score":0.666720986366272,"channel":0,"num_words":1,"start":1851.6389,"end":1852.039},{"sentences":[{"text":"you.","start":1851.719,"end":1852.219,"sentiment":"positive","sentiment_score":0.6087487936019897}],"sentiment":"positive","sentiment_score":0.6087487936019897,"channel":1,"num_words":1,"start":1851.719,"end":1852.219},{"sentences":[{"text":"your afternoon.","start":1852.039,"end":1852.699,"sentiment":"positive","sentiment_score":0.49530309438705444},{"text":"Bye.","start":1852.7589,"end":1853.2589,"sentiment":"neutral","sentiment_score":0.31507986783981323}],"sentiment":"positive","sentiment_score":0.43522868553797406,"channel":0,"num_words":3,"start":1852.039,"end":1853.2589},{"sentences":[{"text":"You too.","start":1853.079,"end":1853.559,"sentiment":"neutral","sentiment_score":0.27109768986701965},{"text":"Bye.","start":1853.559,"end":1854.059,"sentiment":"neutral","sentiment_score":-0.11668641120195387}],"sentiment":"neutral","sentiment_score":0.14183632284402847,"channel":1,"num_words":3,"start":1853.079,"end":1854.059}]},"summary":{"result":"success","short":"Representatives from Oakview Financial conduct annual reviews with Steven, who provides personal information and updates his income and debts. They discuss his health and debts, potential risks, and retirement goals. The representatives also provide information on risk tolerance and investment plans, and suggest growth investment profiles and risk tolerance. They recommend health insurance plans and suggest a chat with a partner for further questions. The speaker provides financial documents and information on fees and fees for services, and offers to follow up with the customer in a week."},"intents":{"segments":[{"text":"And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please? Steven Pierce.","start_word":90,"end_word":115,"intents":[{"intent":"Confirm identity","confidence_score":0.1468178},{"intent":"Provide name","confidence_score":0.05221823},{"intent":"Provide client password","confidence_score":0.37181988},{"intent":"Confirm identity","confidence_score":0.11087957}]},{"text":"And what about your date 07/03/1992. birth? Perfect.","start_word":150,"end_word":157,"intents":[{"intent":"Provide date","confidence_score":0.0008989501}]},{"text":"What I'll start by doing is just making sure the information that we have on file is up to date and current. Now I know you've purchased a new home, so that probably needs to be updated. Yep.","start_word":230,"end_word":267,"intents":[{"intent":"Update information","confidence_score":0.48947346}]},{"text":"And that's through the business, is it? Okay. What's the value of that? Yeah.","start_word":967,"end_word":980,"intents":[{"intent":"Evaluate business value","confidence_score":0.06856764}]},{"text":"Do you take any regular medication? No. No.","start_word":1351,"end_word":1358,"intents":[{"intent":"Evaluate medical condition","confidence_score":2.0504821e-7}]},{"text":"But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use. They are very Yeah.","start_word":1638,"end_word":1669,"intents":[{"intent":"Arrange information brochure","confidence_score":0.1146494},{"intent":"Gather information brochure","confidence_score":0.0003453808},{"intent":"Provide introduction to partner","confidence_score":0.0176278}]},{"text":"Now we haven't done a risk profile in a little bit. Yep.","start_word":1707,"end_word":1718,"intents":[{"intent":"Complete risk profile","confidence_score":0.41459572}]},{"text":"Once your investment has been placed, how long would you need before you access to it? So you're 34, so you can't access it till 60. Yeah.","start_word":1821,"end_word":1847,"intents":[{"intent":"Consider investment duration","confidence_score":0.0128324395},{"intent":"Confirm investment duration","confidence_score":0.005303869}]},{"text":"How much risk are you willing to take to keep up with this rising prices? Would you be willing to take very high risks, high risks, moderate, a small amount, or or none at Probably all?","start_word":1878,"end_word":1913,"intents":[{"intent":"Assess investment risk","confidence_score":0.0009538865}]},{"text":"How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market? Would you invest more for growth either heavily or modestly?","start_word":1938,"end_word":1976,"intents":[{"intent":"Determine portfolio interest","confidence_score":0.0025787475}]},{"text":"just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that. Yeah.","start_word":2413,"end_word":2437,"intents":[{"intent":"Evaluate portfolio fit","confidence_score":0.18762076}]},{"text":"Is there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own?","start_word":2634,"end_word":2659,"intents":[{"intent":"Refinance mortgage","confidence_score":0.022420574}]},{"text":"we will it's probably something that we do need to look out for you Yep. and something that we we should prioritize. Okay.","start_word":3001,"end_word":3023,"intents":[{"intent":"Prioritize estate planning","confidence_score":0.0021275498}]},{"text":"I'm just sending through some documents that will come through from OdooSign. It's just your pack that we're gonna talk through. Yep.","start_word":3209,"end_word":3230,"intents":[{"intent":"Send documents","confidence_score":0.023738366}]},{"text":"that's not to say that the Australian share market did not perform well. It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market, Yes. growth opportunities. Now, Yes.","start_word":3406,"end_word":3447,"intents":[{"intent":"Evaluate investments","confidence_score":0.002054956}]},{"text":"the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets. So, ideally, that's where we want 80% of your funds to be spread across. Mhmm.","start_word":3641,"end_word":3679,"intents":[{"intent":"Explain investment portfolio structure","confidence_score":0.00017109216}]},{"text":"And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent? Maybe go every six months.","start_word":4058,"end_word":4097,"intents":[{"intent":"Ask about review cycle frequency","confidence_score":0.02301918},{"intent":"Inquire about timeframe","confidence_score":0.00903207}]},{"text":"I wish I had I that crystal ball. It would be don't very helpful. know.","start_word":4132,"end_word":4146,"intents":[{"intent":"Offer assistance","confidence_score":0.007184449}]},{"text":"So my action items from this is I'm going to send you an introduction Yep. email for estate planning with a brochure attached. I'm gonna send you some information on insurances for you and Melissa to have a chat through. Yep.","start_word":4204,"end_word":4244,"intents":[{"intent":"Send introduction email","confidence_score":0.54179204}]},{"text":"And I am going to look at alternatives for those funds that we did discuss.","start_word":4246,"end_word":4260,"intents":[{"intent":"Discuss alternatives for funds","confidence_score":0.015527848},{"intent":"Discuss insurance options","confidence_score":0.059180524}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hi, Steven. It's Jenna here from Oakview Financial phoning for annual review.","start_word":0,"end_word":28,"sentiment":"neutral","sentiment_score":0.05264190211892128},{"text":"Thanks.","start_word":29,"end_word":29,"sentiment":"positive","sentiment_score":0.3747222125530243},{"text":"Please stay on the line. Hi. Steven speaking. Hi, Steven. It's Jenna here phoning from Oakview Financial. How are you today? Not bad. Yourself?","start_word":30,"end_word":53,"sentiment":"neutral","sentiment_score":0.1462128460407257},{"text":"I'm good. Thank you.","start_word":54,"end_word":57,"sentiment":"positive","sentiment_score":0.4536061882972718},{"text":"I just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. It's fine. Yep.","start_word":58,"end_word":88,"sentiment":"neutral","sentiment_score":0.0616779662668705},{"text":"Wonderful.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.3893101215362549},{"text":"And, Steven, just to make sure I'm talking to the right person, can you give me your full name and your client password, please? Steven Pierce. I have absolutely no idea what my current password is. Please? I can give Okay. you So my my yeah. address I is 34 Waterglass Street, Spring Farm, if that helps. yes. That's fine. And what about your date 07/03/1992. birth? Perfect. So your client password is LykesterFC or Oh, okay. like yeah. Football Let's team, start. it says. Yeah. There you Yeah. go. Did you wanna change that at all, or are you No. happy That with makes that? that make that makes sense. Okay.","start_word":90,"end_word":201,"sentiment":"neutral","sentiment_score":-0.02021151222288609},{"text":"Beautiful. Fantastic.","start_word":202,"end_word":203,"sentiment":"positive","sentiment_score":0.4212800264358521},{"text":"Just hoping not to take too much of your time today. Do you have time now to run through your annual review? Yeah. That's fine.","start_word":204,"end_word":228,"sentiment":"neutral","sentiment_score":0.07167134433984756},{"text":"Beautiful.","start_word":229,"end_word":229,"sentiment":"positive","sentiment_score":0.3817763030529022},{"text":"What I'll start by doing is just making sure the information that we have on file is up to date and current. Now I know you've purchased a new home, so that probably needs to be updated. Yep. So what I'm going to do is just start with items that are likely to have changed since your last review. So are you sing are you still single? Or Yep. No. I have a partner and a daughter yep. now. Oh, wow. Congratulations. How about your daughter? She's 18 old. Oh, wow. And what's her name? Charlotte.","start_word":230,"end_word":325,"sentiment":"neutral","sentiment_score":0.024102427065372467},{"text":"Oh, that's a beauty.","start_word":326,"end_word":329,"sentiment":"positive","sentiment_score":0.339326947927475},{"text":"I was I had that on my list.","start_word":330,"end_word":337,"sentiment":"neutral","sentiment_score":0.05398041009902954},{"text":"I love that name.","start_word":338,"end_word":341,"sentiment":"positive","sentiment_score":0.7303008437156677},{"text":"Yeah. Here you And go. It's probably the most popular girl's name now. yeah. And what's your partner's name? Melissa. Melissa? Same surname? Or Yeah. Hayes, h a y e s.","start_word":342,"end_word":372,"sentiment":"neutral","sentiment_score":0.12089918553829192},{"text":"beautiful. Beautiful.","start_word":373,"end_word":374,"sentiment":"positive","sentiment_score":0.6572802662849426},{"text":"Now with what we usually do is have a next of kin on file. Are Yep. you would that be Melissa for you? That would be her. Yep. Yeah. And what's her best contact number if we are ever unable to reach you? 0400. Yep. That's two digits. I can't remember the rest of them. Hold on. 4054 Four zero five. 0 Yep. 5. Yep. 207. 207. Okay. Additionally, the I have you down as a sign installer. Is that still correct? Correct. Yeah. So tradesman sign rider, but, basically, mainly what I do these days is is the installation of them. Okay. I'm just updating that. Okay. Are you still self employed? Yep. Still self employed, Yep. thankfully. Yep.","start_word":375,"end_word":494,"sentiment":"neutral","sentiment_score":0.01805016957223415},{"text":"That's good. That's good.","start_word":495,"end_word":498,"sentiment":"positive","sentiment_score":0.4097297787666321},{"text":"And on average, how many hours per week do you work? Woah. I assume sixty, I think, would be going Yeah. thing here. Okay. Do you and how many years have you been in the industry? I think it'll be about sixteen. Wow. Yeah. I think it was the first year I put it about sixteen years ago. Maybe about that. Yep. Perfect. That's alright. And your business is still called Tucker's Installations? Yep. Fantastic. Alright. We've got your income down here as 80,000. Do you think that would be correct? Yeah. I think it's 82 sorry. It's it's not going up much, but it's about that. Okay. That's fine. Being self employed, is there any other income that is potentially directed towards your spouse or Not partner? me. No. Nope. So she No. she she works for for me. So she Yep. gets a regular Yep. working wage. Yep. However, Perfect.","start_word":499,"end_word":650,"sentiment":"neutral","sentiment_score":0.025320283468126467},{"text":"it's what it is.","start_word":651,"end_word":654,"sentiment":"positive","sentiment_score":0.39403870701789856},{"text":"I can't remember that, but Yep. yes.","start_word":655,"end_word":661,"sentiment":"neutral","sentiment_score":0.09815511852502824},{"text":"That's all good.","start_word":662,"end_word":664,"sentiment":"positive","sentiment_score":0.6516801714897156},{"text":"And your expenditure per week, what do you estimate that to be? Excluding oh, including or excluding mortgage repayment. It's up to you. Well, mortgage repayment's about 600 a week. It's probably $85,900 a week expenditure including mortgage. Yep. Include Yep. including 900. Yep. Beautiful. And what about any savings Go. Ready? per week? I tried to save about a 150. Yep. Beautiful. Are you making super contributions on your own Yeah. behalf? Yeah. Okay. I make the just the regular with the 12 The 12%? percent or something. Yep. Yeah. That's fine. Beautiful. Are you doing any more or just the 12%? Nah. Just the 12%. Yep. Okay. Call it. Are you wanting to do any more at the present time? Not at the present time. Maybe have a look at it again next year. But for now, Yep. it's yeah. Just wait a minute. Okay. No. That's fine. We always just like to just double check to make sure if there's anything that we do need to touch on that, you know, we've covered it off with you. Yeah. The new home that you purchased, how much do you estimate that to be valued at? We purchased it for 1,000,070. I think it's now they value it at $11.07. I think it's one of a 100. Is Beautiful. it according to realestate.com? And what's the debt attached to it? It's it'd be around 700 and something thousand now. It was originally 800, but it'd be about 7 something now. $7.50 or yeah. Say Any 7 ideas? 70 is probably would probably Yep. be around something like $7.70. that. Okay. Yeah. Any other assets or debts that you have? I've got oh, so it's all through the business these days. It's I Yes. got a brand new Ute. Yeah.","start_word":665,"end_word":964,"sentiment":"neutral","sentiment_score":0.022287292405962944},{"text":"Lovely.","start_word":965,"end_word":965,"sentiment":"positive","sentiment_score":0.43235719203948975},{"text":"Yeah. And that's through the business, is it? Okay. What's the value of that? Yeah. Oh, that's I don't know. Brand new, I think, there. I think 65,000. That's probably worth I think it's, what, maybe a year and a half old. That's probably worth 50, Okay. 7,000. And any any of the debts Yeah. attached So I think I've I've paid I put in, to I think, 20 something thousand that? to it. Yep. Okay. And it's gonna be So the difference. $45.40. Yeah. I think it's 40. I think I got got them down to Yep. 60. I think I've Okay. got if I remember correctly. That's okay. Any other assets or debts? No. I think that's it. No? Fantastic. Alright. Sorry about this question. I have to ask too. Have you ever been declared bankrupt? Nice. Thankfully. No. And are you a tax resident of any country outside of Australia? Sorry? Are you a tax resident of any other country except Australia? No. I'm a resident of The UK, but I haven't never I've never worked there, Yeah. so I've never had to do a tax thing.","start_word":966,"end_word":1155,"sentiment":"neutral","sentiment_score":-0.017734359949827194},{"text":"Fantastic. Beautiful.","start_word":1156,"end_word":1157,"sentiment":"positive","sentiment_score":0.482140600681305},{"text":"I've got you listed here as a nonsmoker. Is that still the case? Correct. Yep. Beautiful. Any significant health issues or injuries since our last review? I fractured my wrist, but that was about it. And full recovery? Yeah. Yeah. I didn't even know I Beautiful. did it, to be honest. Until three months later. They I've I've had a fractured wrist, and they've they're pretty hard to pick up on. Yeah. It just happened. Like, it just swelled up, and I went to a doctor, and they're like, oh, did you know you have fractured this about three months ago?","start_word":1158,"end_word":1258,"sentiment":"neutral","sentiment_score":-0.10022731870412828},{"text":"It's just never healed.","start_word":1259,"end_word":1262,"sentiment":"negative","sentiment_score":-0.3920565843582154},{"text":"Said, nope. I had no idea.","start_word":1263,"end_word":1268,"sentiment":"neutral","sentiment_score":-0.2751871943473816},{"text":"Oh, it's a waste away.","start_word":1269,"end_word":1273,"sentiment":"negative","sentiment_score":-0.7725194096565247},{"text":"Yep. Do you have any private health insurance? Yeah. I have Oh, I just it is working. So look what which one it is. My insurance. It's Bronze Hospital with Single Lifestyle Extras. Sorry. What was the company's name? It's Qantas? Qantas. Oh, sorry Yeah. about that. And, yeah, it was a Bronze Hospital. I actually need to change that. Yeah. It's a That's single one. It's a a system might need to itself. update that. Yeah. Do you take any regular medication? No. No. And what's your we've got your height at a hundred and seventy eight centimeters. Have you grown or shrunk? No. I think I'm about the same. I think I Yep. And we have you weighed at a hundred and fifteen. think I put on a few kilos since then. It's probably about a hundred and twenty five, I think, now. Okay. Beautiful. And do you have a will or power of attorney in place? No. No. Okay. What I might do is talk to you a little bit about that just in relation to having a young child now and a and a partner. It's probably something that you need to do you do need to look at. Yeah. I know.","start_word":1274,"end_word":1479,"sentiment":"neutral","sentiment_score":-0.052857398986816406},{"text":"My my grandmother died initially last night.","start_word":1480,"end_word":1486,"sentiment":"negative","sentiment_score":-0.34400931000709534},{"text":"So it's it's it's actually Oh something my god.","start_word":1487,"end_word":1495,"sentiment":"neutral","sentiment_score":-0.22021186351776123},{"text":"I am so yeah. sorry.","start_word":1496,"end_word":1500,"sentiment":"negative","sentiment_score":-0.3542695939540863},{"text":"It's alright.","start_word":1501,"end_word":1502,"sentiment":"neutral","sentiment_score":-0.2960348129272461},{"text":"That's that's definitely something I need to look at doing. I'm so sorry for your loss.","start_word":1503,"end_word":1518,"sentiment":"negative","sentiment_score":-0.4352156519889831},{"text":"I'm sorry. Yeah. Yeah. That's It was awful. yeah. We knew it was coming, thankfully. It was Yeah. just one of them things. But, yeah, it was 10:00 last night I found out. Oh, gosh. Well, I hopefully, you had the chance to say goodbye and No. all Not those really. shots. She No? because they're that she's on the other side of the world. Oh, So I spoke to her okay. about a month ago, and that was about it. And that was the last Okay. caller to speak to her. Yeah. Oh, gosh.","start_word":1519,"end_word":1613,"sentiment":"neutral","sentiment_score":-0.10088621950463245},{"text":"I'm so sorry to hear that.","start_word":1614,"end_word":1619,"sentiment":"negative","sentiment_score":-0.3884395360946655},{"text":"Yes. Okay. So you obviously know the importance on that, so I won't Yes. touch anymore on that. But what I can say is if you would like me to, I can arrange for an information brochure and introduction to a professional partner that we use.","start_word":1620,"end_word":1665,"sentiment":"neutral","sentiment_score":0.09523294121026991},{"text":"They are very Yeah. affordable Okay. and just send that out to you for you to have a look at, Yeah. Sure. and we can introduce you to them should you decide to go down that path.","start_word":1666,"end_word":1702,"sentiment":"positive","sentiment_score":0.4390442371368408},{"text":"Yes. Sure. Okay. Okay. Now we haven't done a risk profile in a little bit. Yep. I just wanna complete that quickly with you Yep. because I have you here as a growth in Vista, but your portfolio, which we'll touch on in a little bit, is more of a balanced Yeah. I think approach. it's changed since the last last time I did it. Yeah. Yeah. So I just wanna run through with you. Ask it's about six or so questions, and there's Yep. no right or wrong answer. It's Yep. just your gut feeling and your first reaction Yep. Probably I know. super fund, you do have managed investments. So that's that does count as well. Once your investment has been placed, how long would you need before you access to it? So you're 34, so you can't access it till 60. Yeah. Would it be longer than ten years? That's what I said. Yes. Yep. Alright. Inflation means things are getting a little bit more expensive over time, making your money worthless. How much risk are you willing to take to keep up with this rising prices? Would you be willing to take very high risks, high risks, moderate, a small amount, or or none at Probably all? moderate. Moderate? So risk Yep. risk risk reward, isn't it, really? That's correct. Yeah. Yep. We can run through that as well shortly. How would you feel if after six months of investing, you found out that your portfolio degree decreased by 20% due to the general trends in the financial market? Would you invest more for growth either heavily or modestly? Would you hold and I definitely wouldn't go to cash. I probably what's the moderately one? Hold and wait. Hold. Yeah. Hold and wait. Yeah. Or That was it. you could invest moderately for growth. Probably hold them right. Yeah. Okay. What kind of return do you expect from your investments over the long term? 8% and above, six to 8%, four to six, two to four, zero to two. Probably eight seven above. Yep. And have your investments, including your superannuation, ever dropped in value? And if so, how did it make you feel?","start_word":1703,"end_word":2070,"sentiment":"neutral","sentiment_score":-0.03333444217645118},{"text":"Were you optimistic about future investments, cautious with no further investments planned, concerned, or highly anxious, I've never lost anything, but Albanese is trying his best to ruin my life. So or I have watched my price go decrease.","start_word":2071,"end_word":2109,"sentiment":"negative","sentiment_score":-0.4142787456512451},{"text":"So it was up my house was up a certain amount. It's decreased since. Yep.","start_word":2110,"end_word":2124,"sentiment":"neutral","sentiment_score":-0.24163000285625455},{"text":"So that frustrated the hell out of me.","start_word":2125,"end_word":2132,"sentiment":"negative","sentiment_score":-0.6195366978645325},{"text":"Yep. Yeah. Other than that, I really experienced.","start_word":2133,"end_word":2140,"sentiment":"neutral","sentiment_score":-0.23957987129688263},{"text":"I never actually really lost as such. I've just lost what I've gained.","start_word":2141,"end_word":2153,"sentiment":"negative","sentiment_score":-0.42978036403656006},{"text":"Yeah. So would it would you be cautious making no further investments, or would you Yeah. be concerned? Probably probably probably cautious. Yep. Okay. I'd still do it if I if I was to do it, but I just yeah. Probably read up a little bit more.","start_word":2154,"end_word":2200,"sentiment":"neutral","sentiment_score":-0.08388201147317886},{"text":"Beautiful.","start_word":2201,"end_word":2201,"sentiment":"positive","sentiment_score":0.4242342710494995},{"text":"Yeah. Of course. And have you ever thought about taking out money to a loan to invest? So the answer is obviously yes because you've purchased your home. But would you be open to borrowing for stocks and funds or for an investment property? Maybe for an investment property, but, Yep. Yep.","start_word":2202,"end_word":2253,"sentiment":"neutral","sentiment_score":0.014266522601246834},{"text":"again, Albany is trying to ruin that.","start_word":2254,"end_word":2260,"sentiment":"negative","sentiment_score":-0.4405938684940338},{"text":"Fantastic.","start_word":2261,"end_word":2261,"sentiment":"positive","sentiment_score":0.4762997627258301},{"text":"True. So you have come out a a growth investor, which Yep. is what you were previously. So what that means is that a growth risk profile typically has an allocation of 80 percent of their assets to growth assets and Yep. 20% to defensive assets. At the moment, your super fund has about 71.5 to gross assets and 28.5 Yep. to defensive assets. So you're Yep. about 10 out on either side. So, Yep. I mean, are you comfortable with a growth investment profile? It does mean a growth investment part investment profile would be at least a six year minimum time frame. You'd have a likelihood of a negative Mhmm. return of one in every five years, Yep. and your expected return in that class would be between seven to 9% grosser fees. So it it would hit you'd probably settle somewhere around that 8% mark, typically. So Yep. just checking as to whether you are comfortable with a gross portfolio because at the moment, your portfolio is not really reflective of that. Yeah. I'm probably probably probably come to Goodgrass. Yeah. Yep. Okay. Now that I've just confirmed that, what I wanna do is just revisit your goals from last time you had a review just to check and make sure that they're still appropriate. Yep. Yep.","start_word":2262,"end_word":2481,"sentiment":"neutral","sentiment_score":-0.016437401876530863},{"text":"One was to your first one was to buy a house in the next little bit, which you have ticked Jake. off, which is fantastic.","start_word":2482,"end_word":2506,"sentiment":"positive","sentiment_score":0.3861269950866699},{"text":"Yes.","start_word":2507,"end_word":2507,"sentiment":"neutral","sentiment_score":0.32878822088241577},{"text":"A long term goal was you just wanna be comfortable and have a healthy source of income.","start_word":2508,"end_word":2524,"sentiment":"positive","sentiment_score":0.40899190306663513},{"text":"Is that in is that for retirement, or is that I think it's just a just a live yeah. live comfortably Yeah. and not have, like, the mortgage stress and things like that, Sure. Yeah. Okay. Which So is is one of it's kind of it's still got a goal. Like, we're expanding our business at the moment from installation. yep. Like, we just got a actually, we just got a a factory, like, renting one. Yep. Okay. So that's Yep. something we're pursuing to go down the road of that to obviously generate more income and keep up with the Joneses, Yep. basically. Yeah. I understand that. Is there did you want to get any advice on repaying your mortgage down quicker, or is that something you're happy to manage on your own? At the moment, we're happy to manage on our own because we're just we're just putting a bit extra into our what do they call it? Off that account. Yep. That's it. Yep.","start_word":2525,"end_word":2691,"sentiment":"neutral","sentiment_score":0.13340585594048757},{"text":"And Beautiful.","start_word":2692,"end_word":2693,"sentiment":"positive","sentiment_score":0.531114935874939},{"text":"and just, yeah, just try to chop it down that way at the moment. And then once the little one gets a bit old, it'll probably go a bit Yes. more aggressive at it. That's fine.","start_word":2694,"end_word":2729,"sentiment":"neutral","sentiment_score":0.13805125653743744},{"text":"That's absolutely fine.","start_word":2730,"end_word":2732,"sentiment":"positive","sentiment_score":0.47939416766166687},{"text":"You have here for retirement, you'd like to retire at the age of 60 with an income of 600 per week. Now that's probably based on when pre daughter and partner. What Yeah. do you think that looks like now? Oh, probably just double it. 12 so still 60, but 1,200 a week. Yeah. Yep. And I'd like that and I'd like to be sitting back and yeah.","start_word":2733,"end_word":2800,"sentiment":"neutral","sentiment_score":0.13660380244255066},{"text":"Enjoying life.","start_word":2801,"end_word":2802,"sentiment":"positive","sentiment_score":0.4812254905700683},{"text":"yeah. So so you'd wanna be debt free as well by then? Yeah. Ideally. Yep. Or Beautiful. or a position where if I was too downsized and I I Yeah. can do that with have Yeah. leftover Yeah. The equity. funds. Yet. Yeah. Of course.","start_word":2803,"end_word":2847,"sentiment":"neutral","sentiment_score":0.06702522933483124},{"text":"Beautiful.","start_word":2848,"end_word":2848,"sentiment":"positive","sentiment_score":0.416317343711853},{"text":"You said that you wanna get your funds growing for you at a better rate and make more money through your super. Still applicable? Yeah. Yep. And last time, you didn't really want to seek any advice on insurance policies. Is that still your stance now given that you have a young daughter and a mortgage and a partner? And probably without you, there would be no Yes. You're right. It's it's a funny thing I need to speak to my partner about because I've we've been meaning to do health insurance stuff, but I just never Yeah. got around to it yet. Alright. What I'm gonna do is send you some information on the Yep. different types of insurances available. I'm going to strongly recommend you and your partner have a chat about it. Yep. There are I'll put together some information, just some general information for you, Yeah. but Sure. we will it's probably something that we do need to look out for you Yep. and something that we we should prioritize. Okay. So outside of that, we've got your estate planning. So being the wills, I'll send through to you. The other thing I just wanted to flag is that for your superannuation Mhmm. fund with Hub twenty four, your beneficiary noted is Tracy Tucker. Yes. That's my mother-in-law to change that too. Okay. I need to update. Okay.","start_word":2849,"end_word":3080,"sentiment":"neutral","sentiment_score":0.047135436273147834},{"text":"Beautiful.","start_word":3081,"end_word":3081,"sentiment":"positive","sentiment_score":0.5324941873550415},{"text":"Yeah. Update. I'm just gonna make a note of this to Yeah. Melissa. What is Melissa's date of birth? 08/24/1991. 1991. Okay.","start_word":3082,"end_word":3103,"sentiment":"neutral","sentiment_score":0.10168568044900894},{"text":"Fantastic.","start_word":3104,"end_word":3104,"sentiment":"positive","sentiment_score":0.556236982345581},{"text":"I'll make sure that that's in recorded in our documents, and we can get that all sent out. With that, it will require a wet signature. Yep. Yep. Do you have access to a printer, or would you like me to post it? No. I have a girlfriend, Taya. Okay. You'll need two witnesses, and Melissa Yep. will not be able to be one of them, though, because Yeah. she will Awesome. be beneficiary. Yeah. Alright. Fantastic. What I'm going to do while we continue to talk, I'm just gonna send do you have access to your emails at the moment? Yeah. Yeah. Beautiful. I'm just sending through some documents that will come through from OdooSign. It's just your pack that we're gonna talk through. Yep. Oh, yeah. That And was quick. there we There go. we go. So you let me know when you've got those documents open. Yeah. Well, it opens for me. Come on. I think you gotta click on sign, but you don't actually sign anything. It'll just Yeah. take you I'm through trying all to the click on it. It's not nothing's there we go. We're oh, on. you got it? Beautiful. Yep. Alright. So the first document you'll see is just a summary of your superannuation fund with the balance as of the thirty first sitting at approximately 109.","start_word":3105,"end_word":3329,"sentiment":"neutral","sentiment_score":0.07834441711505254},{"text":"That's good. That's a good thing.","start_word":3330,"end_word":3335,"sentiment":"positive","sentiment_score":0.7903831601142883},{"text":"Yeah. The next document over is your performance for return for the last twelve months. Yep. So, overall, it was so net of fees, so after fees, 5.57%. So we've fallen short of that seven to 9% mark because of the asset allocation, but you'll also see that first fund at the top, and along Australian equities, Yep. that Yep.","start_word":3336,"end_word":3395,"sentiment":"neutral","sentiment_score":0.014243273064494131},{"text":"they performed not great.","start_word":3396,"end_word":3399,"sentiment":"negative","sentiment_score":-0.5073745250701904},{"text":"One of our so it's Yeah. that's not to say that the Australian share market did not perform well. It's just that the investment mandate that Ben along Australian Equities Fund follows is that they look at underperforming underperforming companies in the market, Yes. growth opportunities. Now, Yes. unfortunately, for them, that that didn't pay off, and we had you had more of the higher ASX 200, so being the banks and the bigger companies that performed Yep. well in the market. So Yeah. one of the things that I'd like to do is look at potential replacements, investigate some replacements of that for you. Is that are you happy with that? Yeah. Sure.","start_word":3400,"end_word":3513,"sentiment":"neutral","sentiment_score":-0.1129450798034668},{"text":"Beautiful.","start_word":3514,"end_word":3514,"sentiment":"positive","sentiment_score":0.3686653971672058},{"text":"Yeah. And the other one that I would like to investigate a little bit further is the next one down, the beta bank hybrid fund. Now the reason for that being is that the banks are phasing out the hybrids, and they'll Yep. cease in around January 2027. So what I'd like to do is there's no need to necessarily rush out of it, but I would Yep. like to have a look at other options and investigate what we could do in the meantime and if it's a better outcome for you, if that's okay. Yeah. Sure.","start_word":3515,"end_word":3612,"sentiment":"neutral","sentiment_score":0.0855647623538971},{"text":"Fantastic.","start_word":3613,"end_word":3613,"sentiment":"positive","sentiment_score":0.5303845405578613},{"text":"The next document over is your Vanguard index chart. Now this is probably where we talked a bit about your gross and defensive assets. So Mhmm. the top four here being on the right hand column, sorry, being US shares, Australian shares, international, and listed property, they're your growth assets. So, ideally, that's where we want 80% of your funds to be spread across. Mhmm. You'll see the volatility associated with those those sectors Yes. and that over time, you will experience volatility. So I guess this we use this chart as a visual for clients to help understand where their funds are invested Yeah. at. The remaining 20% is in items such as the Australian bonds and cash. So they're your defensive type assets that Okay. allow for more of an income. You will see that there is growth at times, but they're more income producing assets and to ensure that your your portfolio Yep. is does have a defensive allocation to it. Any Okay. questions Thanks. about that? No. No. I don't think so. No? Okay.","start_word":3614,"end_word":3791,"sentiment":"neutral","sentiment_score":0.099925837908568},{"text":"Beautiful.","start_word":3792,"end_word":3792,"sentiment":"positive","sentiment_score":0.3972516357898712},{"text":"The next document is our financial license is, that we're licensed through ASIC, and, additionally, additionally, what services we provide and how we provide advice, our fee structure, and complaints handling process. So Yes. processes if you are unhappy with any of the services that we provide to you. And finally, the last document is the consent to the ongoing service fee. So this Yep. is our fee Yep. that we charge for our services. So you'll see at the bottom of the first page that fee is estimated to be $1,888.67 per annum. Yep. What what that Dot what dot well, how that's charged is it's divided by 12 and then charged monthly from your superannuation fund, hub Yes. 24. So what that advice service fee covers is the advice contained within your superannuation and your ongoing reviews. And in saying that, you're not limited to one review per year. If you've got some questions you'd like to ask or anything comes up or there's potentially a new a new situation that you need to discuss, you just get in contact and Yeah. and phone Sure. us, and we book in a time. Yep. So the only document that requires signing is that last one. Yep.","start_word":3793,"end_word":3999,"sentiment":"neutral","sentiment_score":0.041782502084970474},{"text":"But before you do, just make sure you're comfortable and happy with it and that you are happy to continue as a client with Oakview Yeah. and, also, that you're So happy you're with happy Hub with as well. Yeah. Everything's been moving smoothly. It was since I joined, so no reason to Fantastic. leave. Beautiful. That's lovely.","start_word":4000,"end_word":4057,"sentiment":"positive","sentiment_score":0.45991578698158264},{"text":"And then probably my last question to you is is with your review cycle and the frequency of that, are you happy for that to be annual, or would you like that to be frequent? Maybe go every six months. Just Yep. the way the world's it's just so topsy-turvy Yeah. at the moment. So It is, isn't it? It is. I think oh, don't know what's gonna happen every day or something. Yeah.","start_word":4058,"end_word":4131,"sentiment":"neutral","sentiment_score":-0.052892424166202545},{"text":"I wish I had I that crystal ball. It would be don't very helpful.","start_word":4132,"end_word":4145,"sentiment":"negative","sentiment_score":-0.3881652057170868},{"text":"know. My brother so my brother invested in drone shares, and then Oh, next wow. thing and then next thing, companies around side go to each other and it went through the roof. Yeah. Yeah. Yeah. And Yeah. it's timing, and you just gotta Yeah. be yeah. It's all about timing, these sorts Yeah. of things. Exactly. Alright. So my action items from this is I'm going to send you an introduction Yep. email for estate planning with a brochure attached. I'm gonna send you some information on insurances for you and Melissa to have a chat through. Yep. Sure. And I am going to look at alternatives for those funds that we did discuss. What I would like to do with you is is there a period of time that you and Melissa would like to think about the insurance side of things? And I can give you a callback to touch base and see what your thoughts are and if it's something that you and Melissa wanna proceed with. Yeah. If you give me a week, we can Yep. Okay. work it out, and then we can get from there. Yep. Beautiful. Alright. Well, I'll get this information out to you as soon as possible. But Yep. in the meantime, do you have any other questions? No. I think you've covered everything.","start_word":4146,"end_word":4369,"sentiment":"neutral","sentiment_score":0.022937748564540276},{"text":"Oh, fantastic. Alright.","start_word":4370,"end_word":4372,"sentiment":"positive","sentiment_score":0.6063373684883118},{"text":"Well, if you come up with anything in the meantime, please give me a call, and Yep. I'll speak to you soon.","start_word":4373,"end_word":4394,"sentiment":"neutral","sentiment_score":0.1549147665500641},{"text":"No problems at all. Thanks a lot for your time. No worries. See Enjoy you. your afternoon.","start_word":4395,"end_word":4411,"sentiment":"positive","sentiment_score":0.636695921421051},{"text":"Bye. You too. Bye.","start_word":4412,"end_word":4415,"sentiment":"neutral","sentiment_score":0.25922131538391113}],"average":{"sentiment":"neutral","sentiment_score":0.026320195703738707}}}}