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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy. Yeah. That sounds sounds pretty good. Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going? No. That's all good. It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure that the advice still remains appropriate and tailored for you. So I'll tryna make it quick for you. But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this information. Now personal information, I have you down here as a married with two financial dependents. That's still the case? Yep. Perfect. Oh. Oh, well, congratulations. That's really exciting. Yeah. Do you know what you are having yet? No. Keeping it a surprise? Oh, that's nice. Oh, that's really exciting. Now next step in, I have Sophie nominated. Phone number ending in a 002. That's still the case as well? Yep. Perfect. And employment wise, are you still doing the distillery management, or has any of that changed? Okay. And what are you doing after that? Oh, nice. And you guys are obviously financially okay, in a good position. Income, you don't need anything. Okay. Perfect. That's good. We'll be really helpful, obviously, with the new baby as well on the way, so that's very exciting. Now at the moment, though, so for the next month, I have here that your basically income was around $1.30 for the year. Would that be the case? Obviously, you would then in a month, it will go into next financial year, but for this financial year, was around that $1.30? Yep. Okay. Perfect. Mhmm. Okay. Okay. Perfect. And in terms of contributions from super, would that then be just the 12% of the one thirtieth and not the top up amount that you contribute? Yep. Okay. Perfect. And while you are off, are you planning on making any contributions or just kind of leaving things for the year and then reassess? Yep. No. That's all good. Asset wise, otherwise, I have here that your property was lost by at about 2,000,000. Is that still the case? Or do you know if that went up a little bit? Oh, beautiful. That's nice. And with do you know how much she has left, Ruffland, do you think you guys have finished? Was that okay? Oh, yeah. Oh, that's not not too bad. Mortgage, I have about $3.70. 500. Perfect. Now I also have here two cars, one scooter, and four e bikes combined value at about 169. Does that sound about right? Yep. And I do have here that in total about 65 owing. It just says for all of our I imagine the car potentially. The car. Okay. Nothing owing on the ebike or the scooter or either cars? No. Okay. Perfect. I'll update that. And I do also have here that your investment for the distillery is about 125,000. Around that. Okay. And that you also had about 860,000 in savings. Mhmm. About 500. Okay. Perfect. Any other new assets or liabilities in the last twelve months that we haven't gone over? No? Okay. Perfect. And when it comes to your health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yep. Perfect. And do you have any significant health issues or injuries or any changes in the last twelve months? No. Beautiful. And do you have private health insurance? No. Obviously, for the next financial year, if you have the the time off, might not be too applicable. But, otherwise, just something to be mindful of as well with if you do earn about a 180,000 is the medical levy surcharge if you do not have private health insurance with hospital cover. I'm not sure if you're aware of that. No. Sorry. It is for sorry. It is a tax that they put on high income earners if you do not have private health insurance with hospital cover. So for have you do you do your tax returns yourself? Yep. Okay. Okay. Yeah. It is just something to be mindful of. Yes. It is one of those situation that most people are like, oh, I don't wanna have to pay private health insurance. Ultimately, it's completely up to you. I just flag it from a just look at the the money side of it because sometimes depending on where you're at, obviously, with your income. Correct. Sometimes, it will save you money by having private health insurance. Yeah. You feel like you're paying for something if you might not use it, but if you don't pay the tax, you're better off. Sometimes, it's similar. Sometimes, it's a little bit more with private health, obviously, depending on where your income is at. But, obviously, for the next financial year, if you're not depending on how much you're actually kind of paying yourself from it, just something to be mindful of and maybe check with your accountant as well for when you do things for the next financial year just to check-in. Just a little just a little flag. Mhmm. It could be. Sorry. It would be dependent on what the private health insurance because we don't do private health insurance. So it would depend on how much they would obviously charge you. It could be a $100 a month to a 100 a a month depending on, obviously, which provider you're going with and, obviously, health and age and stuff like that. So I would say the way to do it is even just jump online and do, like, private health insurance comparisons. There's heaps of those sites. Just tuck in your details, and it will give you a rough idea of how much it will cost. And then when you go to your accountant to do your tax return for this financial year as well, he can then give you the exact figures when you have everything put together with how much you had to pay for the medical levy surcharge, and then you can kind of work out what would be better for you. And it also factors in, like, family thresholds as well. So it does depend on, like, your your partner as well. But, again, he would or he or she, your accountant, would be able to kind of figure that out. But do you know, is your partner currently working? No. Yes. Okay. Do you know no. That's all good. Do you know rough? Technically, on paper. Yep. Now do you know how much she gets paid or what she gets out currently? Okay. You might be fine then, but check with your accountant because, basically, from a family threshold, it has to be over 200 and 2,000 through for you to pay the medical levy surcharge. So have a look. But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well. So you might be just fine if her income is a bit lower. Just something to be mindful of. And, yeah, just flag it with your accountant. And and like I said, I would just run run the quotes online to see how much it would cost for private health. And then when you go to him, you can be like, oh, was I just under or, obviously, for the next twelve months might not be applicable, but after that, where where are we sitting at? Just so you do have that knowledge as well. Yep. Perfect. No. That's all good. Otherwise, when it comes to estate planning, do you guys have a will in place or power of attorney or guardianship or anything like that? No? No. That's all good. Most people say the same. It's like, no. No. It's not a to do list. With your super insurances, though, because super insurances does not form part of the estate, so you can have separate nominations directly for that. So at the moment, we don't have a nomination for either your super or your insurances. So if something ever were to happen to you, who do you want to receive your super and insurances? Sophie. Okay. Sorry. The good thing for her being your spouse is that she would receive everything tax free. Now in order to make the nomination, because it is make making a legal nomination, I will have to get the team to send you out the form for you to complete it. Send you can just complete it a 100% through Sophie and then send it back. Now they do have to be wet signed and witnessed because you are making a legal nomination. Do you have access to a print printer at all? Yep. Okay. So what I can do to make it easy for you is I can get the team to just email you the form. That way, you do have it in your inbox, and when you have a moment, just print them out. Yeah. Correct. No. Anyone can sign it. Sorry. Anyone can witness as long as it's not Sophie. So she can't witness that herself. It has to be two different people, and they have to do it at the same time. They get quite pedantic if you use, like, different pens, so just be mindful of that. The witnesses are using that the same, like a blue pen, for example, or a black. It's not different. Yeah. Just to make sure it's all done because it is that legal nomination. Now with the forms as well, there are also two different types of nominations, which can be confusing. So you have a binding or a nonbinding option. So binding basically means that the trustee, so your super insurance, are bound to follow your wishes. So that gives you the most amount of certainty. Nonbinding basically means that this is your wishes, but then, ultimately, it is up to the trustee to make up to their discretion if they feel that there's someone else more suitable for it. So it's not as certain. You know which one you would like? Yeah. Okay. So binding. And you also have lapsing or non lapsing. So lapsing means that it expires every three years, and you have to redo the forms. Non lapsing means it stays in place until you decide to change it. Would you prefer that one? Okay. Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing. And I do wanna just triple check that I have your wife's name spelled correctly. So I have s o p h I e, first name. Yeah. And then c o b u r n, last name. No? C k. Okay. Perfect. So c o c k b u r n. Yeah. Okay. Perfect. I'm glad I checked that. Sorry. I didn't get that. Yeah. Okay. Okay. I'll just update because I haven't been yeah. Sorry. And date, obviously, spouses, which is still perfectly fine. But just for legality, I'll just change to spouse. Thank you for that. Do you guys have a planned wedding or not really in their vicinity right now with the family situation? Life. Yeah. Yep. No. That's all good. Life definitely gets in the way. She's still your spouse. Sorry. Sorry. It doesn't matter for for whether she's a spouse or, like, a wife for these purposes, it doesn't matter. It's still your spouse. So no changes with that. Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months. Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage. Is that still kind of the goals otherwise? Yep. Yep. After renovations. Yep. Yep. Yep. Yep. Yep. Yep. No worries. That is good. Now, otherwise, when it comes to your superannuation, just to kind of check-in to see if your risk tolerance or anything has changed, Now how your superannuation is currently invested is in a growth portfolio. Do you remember what it means to be a growth investor at all there, Dylan? It's it's actually somewhere in the middle. So for for your reference, obviously, we we tailor things a lot. But from the scale of things, we typically have your aggressive plus, which this is your what you would refer to for a very from the point that you're actually borrowing money to the different gearing and stuff like that. So that's your aggressive plus option. You have your aggressive portfolio, which, again, you see about a 100% of the investment in your growth investments and not really having any defensive. You have your high growth options, so looking more about a ninety ten split. And then you have your growth. So this is where you are at currently. You then have, like, a balance, growth balance, and defensive under that. So, obviously, more defensive. So it's still very much focusing on growing your superannuation because you do still have plenty of time until retirement, but it is not your, you know, max max risk. Okay. You can retire, but you cannot access your super. You can't access super until 60. So however you fund your lifestyle until then, by all means, you can fully retire. Superannuation with the current legislation, you can't access till 60. Right? Until then, it's locked in, and you can retire and live life however you want until then. Yeah. So I have actually sent you an email with some documents. Did that one come through okay? Yeah. If you do have access to your email. Yeah. Perfect. Now we have recently changed the software, so it might look a little bit different to what you have been used to before. But if you can click on the email for me, and you should still say click on the link. It says sign now. Yep, but it will still allow you to open up all the documents before Yeah. So are you in the one where it says super and insurance summary? Yep. Okay. Perfect. Let me just open that one up for you. Yeah. Exactly. So you have your superannuation with Hub twenty four, and you do have a $111,394 in there. Now do you have your Hub twenty four app downloaded on your phone or anything like that? Is that something you keep an eye on every now and then or not really? Nope. That's alright. They do have a pretty cool app as well. I use Hub 24 for my personal super as well. They can be a little bit harder to navigate because it's quite a little sophisticated platform to start with, but it is really good with there's a lot of different reporting, some features if it is something that you are, you know, interested in. It's just like an app on Play Store or Apple that you can just download on your phone as well. But, yeah, otherwise, that is your super. Now insurance wise, you have life and TPD, the total permanent disability insurance with. And at the moment, you are covered for $830,025. You because you get paid, have a structured within hub twenty four, you do get a 15% tax rebate. So the total premium for both of them is $707. Now are you still happy with that level of cover for life and TPD if something were to happen to you? Because, obviously, you've had a bit of a change with property, but then also the baby on the way. Are you still happy in with that level of cover for you? Yep. It would Correct. Still leave a bit of Yeah. And still leave a bit of extra. If something were to happen, if you needed any medical expenses or anything like that, but then your super is also paid on top of that as well. Yep. It's so funny. Sorry. It's so funny. So so many people are either like, oh, now you can just throw them in the bush. I don't care. And some people go, oh, you know, I want this and this and this and this. It's such variety. Now I can obviously see here that you don't have income protection or trauma insurance. You're still obviously happy with that? They can't cover you for preexisting stuff though. That's the only thing. Yes. Okay. Perfect. Now the next report that you can see on your end, which one is that? Can you scroll? I could just yes. Yep. Yep. Perfect. So that one here gives you a breakdown of your portfolio over the last twelve months. Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall. We had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war. So we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well. So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment. So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality. You can also see, like, gold have done really well, cybersecurity, global diversify equities. But then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas. So if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that. And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market. Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity. Can you see that one on the form? If not, it's okay. Nope. That's okay. Especially if you're looking at your phone, it can be a little bit small. But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great. And it's up by about 6.1%, which is still pretty decent given what's happened in the market. Now one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity. So we do a lot of research on investments all the time. And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed. You don't always want to make changes even when things are down, though, because if we foresee things are coming back around, you don't wanna sell when things are down. But at the same time, you don't wanna just leave things in an investment if they are a little bit slower or they have better options for you. So the investment committee have done a lot of research on your Benelon in investment. Now just for your reference, that is your managed funds. So that is the purpose is to actively buy and sell different investments order to try to outperform the market. And, previously, they were doing really well with that. But like I said, more recently, they've been a little bit slower in making their decision. So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure. The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified. So the one that we have researched is your BetaShares eight two hundred as a substitute. And, basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX. So you have all the banks, Woolworths, BHP, for example. So it's a very diversified investment. Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF. So it focuses on tracking the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets into the 200. As something gets smaller, you then kind of force out. So it's not that same kind of active buying and selling as your Benelong investment. Does that make sense? Yep. Perfect. And, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you. So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you. Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy with that. Yep. Yep. Great. Perfect. Now going back to your growth portfolio as well. So if you can see what's the next attachment there for you? Okay. So you can skip that one for now. You can have a look at that in your own team. But, essentially, it just breaks down your tile insurances in more detail, but just let you know that's all paid and up to date. Yep. And what's the next one? Yes. If you can open that one for me. Now you may have seen something like this before, and Vanguard does update this every year. So every financial year, they publish a new one, which is really good. But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move. So you can see that this dates back to 1995 and then through up all the ups and downs of the market through 2025. Now this also breaks down the different asset classes. So for your growth portfolio, we have that eighty twenty split. So 80% is in your growth assets, which on the chart here is your top four. So The US shares, Australian shares, international shares, and listed property, these are your growth investments. Now you can see here that these are the ones that grow the most, which is ultimately going to give you that growth for superannuation, but they also fluctuate the most. And that's why it's making sure that we have enough time in the market. And you then have about 20% in defensive. So these are, like, your bottom three. Gold can also come into this category, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate as much either. Does that all make sense? Yep. Great. Perfect. Now what's the next one there for you? Yep. So you'll have a financial services guide, and then after that, it be an OQ services guide. The financial services guide is just kind of like a shorter version. Gives you all the important information. It's one of those compliance forms. But if you can skip over the OQ services guide sorry. I think I just opened the so, yeah, skip over the let me see here. The financial let's see if the work on my side. The financial services guide version four, you can skip that one. And then if you go to the OQ services guide version one, which should be straight after, where you should have a cover page where it says, like, OQ services guide. Can you see that? Yep. Perfect. Now you probably have seen a couple of these before. It is one of those compliance forms, but it did does give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an extension to the team, which is great. And then also a bit of an update to our marketing, had some new photos and marketing materials. But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the voice. Yeah. Perfect. Now if you keep scrolling through, the next one should be a ongoing service agreement. Can you see that one? Yes. Yeah. If you keep scrolling through and this will be so you have access to going back and having a look or read through this in more detail when you have a bit more time as well if you would like to. So if you go to the next one, does that say hub twenty four ongoing service agreement or consent to new? Yes. Yep. Perfect. So this is your ongoing service agreement. Now this one here is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1 0.65 from super. Nothing out of pocket, and it is not a locking contract. So if at any point in time you are not happy, there is no locking contract or no exit fee, but this just lets us service your account and manage all your investments and everything for you in the meantime. This one here will ask for your signature if you are happy with that. And then there should be one more after that, which should be your tax file number form. Can you see that? Yep. Yep. So this is another one of those compliance forms that, basically, it just lets you know that we are keeping your tax number secure and safe on file. Again, if you're happy with it, it will just ask for your signature. And when you've added both of them, it should say validate, I believe. And when you press validate, it will then send it back to me, and I can let the team know, and we can get all of that sorted for you. Perfect. Now I will keep a lookout for this to come through. I will also get the team to email you your hub 24 new title certificate of currency. I'll get it prefilled for Sophie as well to make it easy. When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted. But do you have any other questions for me, otherwise, before I let you go and get on with your day? No? No problem at all. And, also, keep a lookout for the record of advice. I will probably send it through you on Monday, if that's okay, just to show you the investment change as well. Right. No problem at all. You enjoy the rest of your day. Mhmm. Thanks. 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afternoon, Dylan. This is Veronica from Oakview Financial. How are you? Yeah. Good.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect.\n\nThat's exactly what I have here. How's your day been so far? I've been busy. Yeah. That sounds sounds pretty good.\n\nNow, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going? No. That's all good. It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure that the advice still remains appropriate and tailored for you. So I'll tryna make it quick for you.\n\nBut what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this information. Now personal information, I have you down here as a married with two financial dependents. That's still the case? Yep.\n\nPerfect. Oh. Oh, well, congratulations. That's really exciting. Yeah.\n\nDo you know what you are having yet? No. Keeping it a surprise? Oh, that's nice. Oh, that's really exciting.\n\nNow next step in, I have Sophie nominated. Phone number ending in a 002. That's still the case as well? Yep. Perfect.\n\nAnd employment wise, are you still doing the distillery management, or has any of that changed? Okay. And what are you doing after that? Oh, nice. And you guys are obviously financially okay, in a good position.\n\nIncome, you don't need anything. Okay. Perfect. That's good. We'll be really helpful, obviously, with the new baby as well on the way, so that's very exciting.\n\nNow at the moment, though, so for the next month, I have here that your basically income was around $1.30 for the year. Would that be the case? Obviously, you would then in a month, it will go into next financial year, but for this financial year, was around that $1.30? Yep. Okay.\n\nPerfect. Mhmm. Okay. Okay. Perfect.\n\nAnd in terms of contributions from super, would that then be just the 12% of the one thirtieth and not the top up amount that you contribute? Yep. Okay. Perfect. And while you are off, are you planning on making any contributions or just kind of leaving things for the year and then reassess?\n\nYep. No. That's all good. Asset wise, otherwise, I have here that your property was lost by at about 2,000,000. Is that still the case?\n\nOr do you know if that went up a little bit? Oh, beautiful. That's nice. And with do you know how much she has left, Ruffland, do you think you guys have finished? Was that okay?\n\nOh, yeah. Oh, that's not not too bad. Mortgage, I have about $3.70. 500. Perfect.\n\nNow I also have here two cars, one scooter, and four e bikes combined value at about 169. Does that sound about right? Yep. And I do have here that in total about 65 owing. It just says for all of our I imagine the car potentially.\n\nThe car. Okay. Nothing owing on the ebike or the scooter or either cars? No. Okay.\n\nPerfect. I'll update that. And I do also have here that your investment for the distillery is about 125,000. Around that. Okay.\n\nAnd that you also had about 860,000 in savings. Mhmm. About 500. Okay. Perfect.\n\nAny other new assets or liabilities in the last twelve months that we haven't gone over? No? Okay. Perfect. And when it comes to your health and lifestyle, I have you down here as a nonsmoker.\n\nThat's still the case as well? Yep. Perfect. And do you have any significant health issues or injuries or any changes in the last twelve months? No.\n\nBeautiful. And do you have private health insurance? No. Obviously, for the next financial year, if you have the the time off, might not be too applicable. But, otherwise, just something to be mindful of as well with if you do earn about a 180,000 is the medical levy surcharge if you do not have private health insurance with hospital cover.\n\nI'm not sure if you're aware of that. No. Sorry. It is for sorry. It is a tax that they put on high income earners if you do not have private health insurance with hospital cover.\n\nSo for have you do you do your tax returns yourself? Yep. Okay. Okay. Yeah.\n\nIt is just something to be mindful of. Yes. It is one of those situation that most people are like, oh, I don't wanna have to pay private health insurance. Ultimately, it's completely up to you. I just flag it from a just look at the the money side of it because sometimes depending on where you're at, obviously, with your income.\n\nCorrect. Sometimes, it will save you money by having private health insurance. Yeah. You feel like you're paying for something if you might not use it, but if you don't pay the tax, you're better off. Sometimes, it's similar.\n\nSometimes, it's a little bit more with private health, obviously, depending on where your income is at. But, obviously, for the next financial year, if you're not depending on how much you're actually kind of paying yourself from it, just something to be mindful of and maybe check with your accountant as well for when you do things for the next financial year just to check-in. Just a little just a little flag. Mhmm. It could be.\n\nSorry. It would be dependent on what the private health insurance because we don't do private health insurance. So it would depend on how much they would obviously charge you. It could be a $100 a month to a 100 a a month depending on, obviously, which provider you're going with and, obviously, health and age and stuff like that. So I would say the way to do it is even just jump online and do, like, private health insurance comparisons.\n\nThere's heaps of those sites. Just tuck in your details, and it will give you a rough idea of how much it will cost. And then when you go to your accountant to do your tax return for this financial year as well, he can then give you the exact figures when you have everything put together with how much you had to pay for the medical levy surcharge, and then you can kind of work out what would be better for you. And it also factors in, like, family thresholds as well. So it does depend on, like, your your partner as well.\n\nBut, again, he would or he or she, your accountant, would be able to kind of figure that out. But do you know, is your partner currently working? No. Yes. Okay.\n\nDo you know no. That's all good. Do you know rough? Technically, on paper. Yep.\n\nNow do you know how much she gets paid or what she gets out currently? Okay. You might be fine then, but check with your accountant because, basically, from a family threshold, it has to be over 200 and 2,000 through for you to pay the medical levy surcharge. So have a look. But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well.\n\nSo you might be just fine if her income is a bit lower. Just something to be mindful of. And, yeah, just flag it with your accountant. And and like I said, I would just run run the quotes online to see how much it would cost for private health. And then when you go to him, you can be like, oh, was I just under or, obviously, for the next twelve months might not be applicable, but after that, where where are we sitting at?\n\nJust so you do have that knowledge as well. Yep. Perfect. No. That's all good.\n\nOtherwise, when it comes to estate planning, do you guys have a will in place or power of attorney or guardianship or anything like that? No? No. That's all good. Most people say the same.\n\nIt's like, no. No. It's not a to do list. With your super insurances, though, because super insurances does not form part of the estate, so you can have separate nominations directly for that. So at the moment, we don't have a nomination for either your super or your insurances.\n\nSo if something ever were to happen to you, who do you want to receive your super and insurances? Sophie. Okay. Sorry. The good thing for her being your spouse is that she would receive everything tax free.\n\nNow in order to make the nomination, because it is make making a legal nomination, I will have to get the team to send you out the form for you to complete it. Send you can just complete it a 100% through Sophie and then send it back. Now they do have to be wet signed and witnessed because you are making a legal nomination. Do you have access to a print printer at all? Yep.\n\nOkay. So what I can do to make it easy for you is I can get the team to just email you the form. That way, you do have it in your inbox, and when you have a moment, just print them out. Yeah. Correct.\n\nNo. Anyone can sign it. Sorry. Anyone can witness as long as it's not Sophie. So she can't witness that herself.\n\nIt has to be two different people, and they have to do it at the same time. They get quite pedantic if you use, like, different pens, so just be mindful of that. The witnesses are using that the same, like a blue pen, for example, or a black. It's not different. Yeah.\n\nJust to make sure it's all done because it is that legal nomination. Now with the forms as well, there are also two different types of nominations, which can be confusing. So you have a binding or a nonbinding option. So binding basically means that the trustee, so your super insurance, are bound to follow your wishes. So that gives you the most amount of certainty.\n\nNonbinding basically means that this is your wishes, but then, ultimately, it is up to the trustee to make up to their discretion if they feel that there's someone else more suitable for it. So it's not as certain. You know which one you would like? Yeah. Okay.\n\nSo binding. And you also have lapsing or non lapsing. So lapsing means that it expires every three years, and you have to redo the forms. Non lapsing means it stays in place until you decide to change it. Would you prefer that one?\n\nOkay. Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing. And I do wanna just triple check that I have your wife's name spelled correctly. So I have s o p h I e, first name. Yeah.\n\nAnd then c o b u r n, last name. No? C k. Okay. Perfect.\n\nSo c o c k b u r n. Yeah. Okay. Perfect. I'm glad I checked that.\n\nSorry. I didn't get that. Yeah. Okay. Okay.\n\nI'll just update because I haven't been yeah. Sorry. And date, obviously, spouses, which is still perfectly fine. But just for legality, I'll just change to spouse. Thank you for that.\n\nDo you guys have a planned wedding or not really in their vicinity right now with the family situation? Life. Yeah. Yep. No.\n\nThat's all good. Life definitely gets in the way. She's still your spouse. Sorry. Sorry.\n\nIt doesn't matter for for whether she's a spouse or, like, a wife for these purposes, it doesn't matter. It's still your spouse. So no changes with that. Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months. Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage.\n\nIs that still kind of the goals otherwise? Yep. Yep. After renovations. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo worries. That is good. Now, otherwise, when it comes to your superannuation, just to kind of check-in to see if your risk tolerance or anything has changed, Now how your superannuation is currently invested is in a growth portfolio. Do you remember what it means to be a growth investor at all there, Dylan? It's it's actually somewhere in the middle.\n\nSo for for your reference, obviously, we we tailor things a lot. But from the scale of things, we typically have your aggressive plus, which this is your what you would refer to for a very from the point that you're actually borrowing money to the different gearing and stuff like that. So that's your aggressive plus option. You have your aggressive portfolio, which, again, you see about a 100% of the investment in your growth investments and not really having any defensive. You have your high growth options, so looking more about a ninety ten split.\n\nAnd then you have your growth. So this is where you are at currently. You then have, like, a balance, growth balance, and defensive under that. So, obviously, more defensive. So it's still very much focusing on growing your superannuation because you do still have plenty of time until retirement, but it is not your, you know, max max risk.\n\nOkay. You can retire, but you cannot access your super. You can't access super until 60. So however you fund your lifestyle until then, by all means, you can fully retire. Superannuation with the current legislation, you can't access till 60.\n\nRight? Until then, it's locked in, and you can retire and live life however you want until then. Yeah. So I have actually sent you an email with some documents. Did that one come through okay?\n\nYeah. If you do have access to your email. Yeah. Perfect. Now we have recently changed the software, so it might look a little bit different to what you have been used to before.\n\nBut if you can click on the email for me, and you should still say click on the link. It says sign now. Yep, but it will still allow you to open up all the documents before Yeah. So are you in the one where it says super and insurance summary? Yep.\n\nOkay. Perfect. Let me just open that one up for you. Yeah. Exactly.\n\nSo you have your superannuation with Hub twenty four, and you do have a $111,394 in there. Now do you have your Hub twenty four app downloaded on your phone or anything like that? Is that something you keep an eye on every now and then or not really? Nope. That's alright.\n\nThey do have a pretty cool app as well. I use Hub 24 for my personal super as well. They can be a little bit harder to navigate because it's quite a little sophisticated platform to start with, but it is really good with there's a lot of different reporting, some features if it is something that you are, you know, interested in. It's just like an app on Play Store or Apple that you can just download on your phone as well. But, yeah, otherwise, that is your super.\n\nNow insurance wise, you have life and TPD, the total permanent disability insurance with. And at the moment, you are covered for $830,025. You because you get paid, have a structured within hub twenty four, you do get a 15% tax rebate. So the total premium for both of them is $707. Now are you still happy with that level of cover for life and TPD if something were to happen to you?\n\nBecause, obviously, you've had a bit of a change with property, but then also the baby on the way. Are you still happy in with that level of cover for you? Yep. It would Correct. Still leave a bit of Yeah.\n\nAnd still leave a bit of extra. If something were to happen, if you needed any medical expenses or anything like that, but then your super is also paid on top of that as well. Yep. It's so funny. Sorry.\n\nIt's so funny. So so many people are either like, oh, now you can just throw them in the bush. I don't care. And some people go, oh, you know, I want this and this and this and this. It's such variety.\n\nNow I can obviously see here that you don't have income protection or trauma insurance. You're still obviously happy with that? They can't cover you for preexisting stuff though. That's the only thing. Yes.\n\nOkay. Perfect. Now the next report that you can see on your end, which one is that? Can you scroll? I could just yes.\n\nYep. Yep. Perfect. So that one here gives you a breakdown of your portfolio over the last twelve months. Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall.\n\nWe had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war. So we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well. So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment. So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality. You can also see, like, gold have done really well, cybersecurity, global diversify equities.\n\nBut then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas. So if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that. And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market. Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity. Can you see that one on the form?\n\nIf not, it's okay. Nope. That's okay. Especially if you're looking at your phone, it can be a little bit small. But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great.\n\nAnd it's up by about 6.1%, which is still pretty decent given what's happened in the market. Now one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity. So we do a lot of research on investments all the time. And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed. You don't always want to make changes even when things are down, though, because if we foresee things are coming back around, you don't wanna sell when things are down.\n\nBut at the same time, you don't wanna just leave things in an investment if they are a little bit slower or they have better options for you. So the investment committee have done a lot of research on your Benelon in investment. Now just for your reference, that is your managed funds. So that is the purpose is to actively buy and sell different investments order to try to outperform the market. And, previously, they were doing really well with that.\n\nBut like I said, more recently, they've been a little bit slower in making their decision. So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure. The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified. So the one that we have researched is your BetaShares eight two hundred as a substitute. And, basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX.\n\nSo you have all the banks, Woolworths, BHP, for example. So it's a very diversified investment. Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF. So it focuses on tracking the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets into the 200.\n\nAs something gets smaller, you then kind of force out. So it's not that same kind of active buying and selling as your Benelong investment. Does that make sense? Yep. Perfect.\n\nAnd, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you. So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you. Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy with that. Yep. Yep.\n\nGreat. Perfect. Now going back to your growth portfolio as well. So if you can see what's the next attachment there for you? Okay.\n\nSo you can skip that one for now. You can have a look at that in your own team. But, essentially, it just breaks down your tile insurances in more detail, but just let you know that's all paid and up to date. Yep. And what's the next one?\n\nYes. If you can open that one for me. Now you may have seen something like this before, and Vanguard does update this every year. So every financial year, they publish a new one, which is really good. But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move.\n\nSo you can see that this dates back to 1995 and then through up all the ups and downs of the market through 2025. Now this also breaks down the different asset classes. So for your growth portfolio, we have that eighty twenty split. So 80% is in your growth assets, which on the chart here is your top four. So The US shares, Australian shares, international shares, and listed property, these are your growth investments.\n\nNow you can see here that these are the ones that grow the most, which is ultimately going to give you that growth for superannuation, but they also fluctuate the most. And that's why it's making sure that we have enough time in the market. And you then have about 20% in defensive. So these are, like, your bottom three. Gold can also come into this category, which you can see are a bit more stable.\n\nThey don't grow as much, but they don't fluctuate as much either. Does that all make sense? Yep. Great. Perfect.\n\nNow what's the next one there for you? Yep. So you'll have a financial services guide, and then after that, it be an OQ services guide. The financial services guide is just kind of like a shorter version. Gives you all the important information.\n\nIt's one of those compliance forms. But if you can skip over the OQ services guide sorry. I think I just opened the so, yeah, skip over the let me see here. The financial let's see if the work on my side. The financial services guide version four, you can skip that one.\n\nAnd then if you go to the OQ services guide version one, which should be straight after, where you should have a cover page where it says, like, OQ services guide. Can you see that? Yep. Perfect. Now you probably have seen a couple of these before.\n\nIt is one of those compliance forms, but it did does give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an extension to the team, which is great. And then also a bit of an update to our marketing, had some new photos and marketing materials. But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the voice. Yeah.\n\nPerfect. Now if you keep scrolling through, the next one should be a ongoing service agreement. Can you see that one? Yes. Yeah.\n\nIf you keep scrolling through and this will be so you have access to going back and having a look or read through this in more detail when you have a bit more time as well if you would like to. So if you go to the next one, does that say hub twenty four ongoing service agreement or consent to new? Yes. Yep. Perfect.\n\nSo this is your ongoing service agreement. Now this one here is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1 0.65 from super. Nothing out of pocket, and it is not a locking contract.\n\nSo if at any point in time you are not happy, there is no locking contract or no exit fee, but this just lets us service your account and manage all your investments and everything for you in the meantime. This one here will ask for your signature if you are happy with that. And then there should be one more after that, which should be your tax file number form. Can you see that? Yep.\n\nYep. So this is another one of those compliance forms that, basically, it just lets you know that we are keeping your tax number secure and safe on file. Again, if you're happy with it, it will just ask for your signature. And when you've added both of them, it should say validate, I believe. And when you press validate, it will then send it back to me, and I can let the team know, and we can get all of that sorted for you.\n\nPerfect. Now I will keep a lookout for this to come through. I will also get the team to email you your hub 24 new title certificate of currency. I'll get it prefilled for Sophie as well to make it easy. When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted.\n\nBut do you have any other questions for me, otherwise, before I let you go and get on with your day? No? No problem at all. And, also, keep a lookout for the record of advice. I will probably send it through you on Monday, if that's okay, just to show you the investment change as well.\n\nRight. No problem at all. You enjoy the rest of your day. Mhmm. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Dylan.","start":3.12,"end":4.16,"sentiment":"positive","sentiment_score":0.3430277804533641},{"text":"This is Veronica from Oakview Financial.","start":4.16,"end":5.94,"sentiment":"neutral","sentiment_score":0.29021091759204865},{"text":"How are you?","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.23272719979286194},{"text":"Yeah.","start":8.32,"end":8.72,"sentiment":"neutral","sentiment_score":0.3019695281982422},{"text":"Good.","start":8.72,"end":9.22,"sentiment":"positive","sentiment_score":0.5470982193946838}],"sentiment":"neutral","sentiment_score":0.30839987099170685,"num_words":14,"start":3.12,"end":9.22},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":10.08,"end":12.32,"sentiment":"positive","sentiment_score":0.4447784884409471},{"text":"Is now still a good time for you?","start":12.32,"end":13.875,"sentiment":"positive","sentiment_score":0.41839098557829857},{"text":"Yep.","start":15.635,"end":16.035,"sentiment":"neutral","sentiment_score":0.2585861384868622},{"text":"Perfect.","start":16.035,"end":16.535,"sentiment":"positive","sentiment_score":0.5041097402572632},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.155,"end":24.775,"sentiment":"neutral","sentiment_score":0.05647775710656725}],"sentiment":"neutral","sentiment_score":0.21280484184622764,"num_words":50,"start":10.08,"end":24.775},{"sentences":[{"text":"Yeah.","start":26.21,"end":26.609999,"sentiment":"neutral","sentiment_score":0.1552422195672989},{"text":"Perfect.","start":26.609999,"end":27.109999,"sentiment":"neutral","sentiment_score":0.301957368850708},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":27.65,"end":36.39,"sentiment":"neutral","sentiment_score":0.09282492461704439},{"text":"Yep.","start":46.065,"end":46.464996,"sentiment":"neutral","sentiment_score":0.13184848427772522},{"text":"Perfect.","start":46.464996,"end":46.945,"sentiment":"positive","sentiment_score":0.44029155373573303}],"sentiment":"neutral","sentiment_score":0.11162606541599546,"num_words":35,"start":26.21,"end":46.945},{"sentences":[{"text":"That's exactly what I have here.","start":46.945,"end":48.464996,"sentiment":"positive","sentiment_score":0.5047085483868917},{"text":"How's your day been so far?","start":48.464996,"end":49.664997,"sentiment":"neutral","sentiment_score":0.19157064706087112},{"text":"I've been busy.","start":49.664997,"end":50.485,"sentiment":"neutral","sentiment_score":-0.06368559474746387},{"text":"Yeah.","start":55.940002,"end":56.18,"sentiment":"neutral","sentiment_score":0.17046034336090088},{"text":"That sounds sounds pretty good.","start":56.18,"end":58.04,"sentiment":"positive","sentiment_score":0.4616513907909393}],"sentiment":"neutral","sentiment_score":0.307873127893323,"num_words":21,"start":46.945,"end":58.04},{"sentences":[{"text":"Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going?","start":59.86,"end":72.315,"sentiment":"neutral","sentiment_score":0.03900379263278511},{"text":"No.","start":80.06,"end":80.299995,"sentiment":"neutral","sentiment_score":-0.07183125615119934},{"text":"That's all good.","start":80.299995,"end":81.42,"sentiment":"neutral","sentiment_score":0.10044685006141663},{"text":"It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure that the advice still remains appropriate and tailored for you.","start":81.42,"end":96.625,"sentiment":"neutral","sentiment_score":0.1272207553787478},{"text":"So I'll tryna make it quick for you.","start":97.085,"end":99.265,"sentiment":"neutral","sentiment_score":0.21899902448058128}],"sentiment":"neutral","sentiment_score":0.09247185567754411,"num_words":124,"start":59.86,"end":99.265},{"sentences":[{"text":"But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice.","start":99.885,"end":110.729996,"sentiment":"neutral","sentiment_score":0.053225687097596085},{"text":"So kind of bear with me as I go through this information.","start":110.78999,"end":113.45,"sentiment":"neutral","sentiment_score":0.02698996705294121},{"text":"Now personal information, I have you down here as a married with two financial dependents.","start":115.03,"end":120.39,"sentiment":"neutral","sentiment_score":0.002215180623655518},{"text":"That's still the case?","start":120.39,"end":121.53,"sentiment":"neutral","sentiment_score":0.0014724053035024554},{"text":"Yep.","start":122.565,"end":122.885,"sentiment":"neutral","sentiment_score":0.09987079352140428}],"sentiment":"neutral","sentiment_score":0.03732370942583284,"num_words":78,"start":99.885,"end":122.885},{"sentences":[{"text":"Perfect.","start":122.885,"end":123.385,"sentiment":"positive","sentiment_score":0.4095555543899536},{"text":"Oh.","start":127.605,"end":127.765,"sentiment":"neutral","sentiment_score":0.2898891568183899},{"text":"Oh, well, congratulations.","start":127.765,"end":128.905,"sentiment":"positive","sentiment_score":0.5248050391674042},{"text":"That's really exciting.","start":129.205,"end":130.265,"sentiment":"positive","sentiment_score":0.6327988505363464},{"text":"Yeah.","start":130.325,"end":130.825,"sentiment":"neutral","sentiment_score":0.17551183700561523}],"sentiment":"positive","sentiment_score":0.48308535748057896,"num_words":9,"start":122.885,"end":130.825},{"sentences":[{"text":"Do you know what you are having yet?","start":130.965,"end":132.985,"sentiment":"neutral","sentiment_score":0.02742785820737481},{"text":"No.","start":134.47,"end":134.79001,"sentiment":"neutral","sentiment_score":-0.06513065099716187},{"text":"Keeping it a surprise?","start":134.79001,"end":136.01,"sentiment":"neutral","sentiment_score":-0.029838484711945057},{"text":"Oh, that's nice.","start":136.55,"end":137.69,"sentiment":"positive","sentiment_score":0.403303196032842},{"text":"Oh, that's really exciting.","start":139.75,"end":141.13,"sentiment":"positive","sentiment_score":0.5747983753681183}],"sentiment":"neutral","sentiment_score":0.17720206826925278,"num_words":20,"start":130.965,"end":141.13},{"sentences":[{"text":"Now next step in, I have Sophie nominated.","start":144.95,"end":147.85,"sentiment":"neutral","sentiment_score":0.09564479067921638},{"text":"Phone number ending in a 002.","start":148.175,"end":150.815,"sentiment":"neutral","sentiment_score":0.04406983653704325},{"text":"That's still the case as well?","start":150.815,"end":152.355,"sentiment":"neutral","sentiment_score":0.04666040247927109},{"text":"Yep.","start":153.375,"end":153.875,"sentiment":"neutral","sentiment_score":0.04386293888092041},{"text":"Perfect.","start":154.015,"end":154.515,"sentiment":"neutral","sentiment_score":0.1374031901359558}],"sentiment":"neutral","sentiment_score":0.06776390402493151,"num_words":22,"start":144.95,"end":154.515},{"sentences":[{"text":"And employment wise, are you still doing the distillery management, or has any of that changed?","start":155.535,"end":162.675,"sentiment":"neutral","sentiment_score":0.016025617951527238},{"text":"Okay.","start":166.33,"end":166.83,"sentiment":"neutral","sentiment_score":0.0019335877150297165},{"text":"And what are you doing after that?","start":166.89,"end":168.75,"sentiment":"neutral","sentiment_score":-0.006813092423336846},{"text":"Oh, nice.","start":173.29001,"end":174.03,"sentiment":"neutral","sentiment_score":0.19841363281011581},{"text":"And you guys are obviously financially okay, in a good position.","start":176.985,"end":182.205,"sentiment":"neutral","sentiment_score":0.30135914141481573}],"sentiment":"neutral","sentiment_score":0.10601161213944087,"num_words":37,"start":155.535,"end":182.205},{"sentences":[{"text":"Income, you don't need anything.","start":182.265,"end":183.725,"sentiment":"neutral","sentiment_score":0.11108781844377517},{"text":"Okay.","start":191.48,"end":191.98,"sentiment":"neutral","sentiment_score":0.09537718445062636},{"text":"Perfect.","start":197.64,"end":198.14,"sentiment":"positive","sentiment_score":0.3465510308742523},{"text":"That's good.","start":198.44,"end":199.42,"sentiment":"positive","sentiment_score":0.4997413456439972},{"text":"We'll be really helpful, obviously, with the new baby as well on the way, so that's very exciting.","start":200.70499,"end":205.44499,"sentiment":"positive","sentiment_score":0.34778644310103524}],"sentiment":"neutral","sentiment_score":0.30581503609816235,"num_words":27,"start":182.265,"end":205.44499},{"sentences":[{"text":"Now at the moment, though, so for the next month, I have here that your basically income was around $1.30 for the year.","start":207.42499,"end":216.15,"sentiment":"neutral","sentiment_score":-0.007437907685728177},{"text":"Would that be the case?","start":217.17,"end":218.29,"sentiment":"neutral","sentiment_score":-0.00852267276495695},{"text":"Obviously, you would then in a month, it will go into next financial year, but for this financial year, was around that $1.30?","start":218.29,"end":223.59,"sentiment":"neutral","sentiment_score":-0.008748931162383245},{"text":"Yep.","start":223.65,"end":223.97,"sentiment":"neutral","sentiment_score":0.016410360112786293},{"text":"Okay.","start":223.97,"end":224.37,"sentiment":"neutral","sentiment_score":0.03444467857480049}],"sentiment":"neutral","sentiment_score":-0.0068689739366747295,"num_words":53,"start":207.42499,"end":224.37},{"sentences":[{"text":"Perfect.","start":224.37,"end":224.87,"sentiment":"neutral","sentiment_score":0.12172118574380876},{"text":"Mhmm.","start":232.655,"end":233.155,"sentiment":"neutral","sentiment_score":0.0367407500743866},{"text":"Okay.","start":236.175,"end":236.675,"sentiment":"neutral","sentiment_score":0.03660465404391289},{"text":"Okay.","start":238.51,"end":239.01,"sentiment":"neutral","sentiment_score":0.12773029506206512},{"text":"Perfect.","start":239.23,"end":239.73,"sentiment":"neutral","sentiment_score":0.18559132516384125}],"sentiment":"neutral","sentiment_score":0.10167764201760292,"num_words":5,"start":224.37,"end":239.73},{"sentences":[{"text":"And in terms of contributions from super, would that then be just the 12% of the one thirtieth and not the top up amount that you contribute?","start":240.59,"end":252.545,"sentiment":"neutral","sentiment_score":0.0530173908919096},{"text":"Yep.","start":252.765,"end":253.08499,"sentiment":"neutral","sentiment_score":0.023961767554283146},{"text":"Okay.","start":253.08499,"end":253.485,"sentiment":"neutral","sentiment_score":0.03300132602453232},{"text":"Perfect.","start":253.485,"end":253.985,"sentiment":"positive","sentiment_score":0.5225480794906616},{"text":"And while you are off, are you planning on making any contributions or just kind of leaving things for the year and then reassess?","start":255.245,"end":262.785,"sentiment":"neutral","sentiment_score":0.01926134476282944}],"sentiment":"neutral","sentiment_score":0.04580098150849894,"num_words":54,"start":240.59,"end":262.785},{"sentences":[{"text":"Yep.","start":263.83,"end":264.33,"sentiment":"neutral","sentiment_score":0.005241177510470152},{"text":"No.","start":264.87,"end":265.11,"sentiment":"neutral","sentiment_score":-0.1094105914235115},{"text":"That's all good.","start":265.11,"end":266.25,"sentiment":"neutral","sentiment_score":0.058020591735839844},{"text":"Asset wise, otherwise, I have here that your property was lost by at about 2,000,000.","start":268.47,"end":274.87,"sentiment":"neutral","sentiment_score":-0.17176101257403692},{"text":"Is that still the case?","start":274.87,"end":275.75,"sentiment":"neutral","sentiment_score":-0.13163333833217622}],"sentiment":"neutral","sentiment_score":-0.12658758075907828,"num_words":25,"start":263.83,"end":275.75},{"sentences":[{"text":"Or do you know if that went up a little bit?","start":275.75,"end":277.69,"sentiment":"neutral","sentiment_score":-0.11638972637328235},{"text":"Oh, beautiful.","start":292.80002,"end":293.52,"sentiment":"positive","sentiment_score":0.46608832478523254},{"text":"That's nice.","start":293.52,"end":294.34,"sentiment":"positive","sentiment_score":0.623308002948761},{"text":"And with do you know how much she has left, Ruffland, do you think you guys have finished?","start":295.12,"end":300.42,"sentiment":"neutral","sentiment_score":0.07835037923521465},{"text":"Was that okay?","start":303.53497,"end":304.51498,"sentiment":"neutral","sentiment_score":0.047144087652365364}],"sentiment":"neutral","sentiment_score":0.06806235429313448,"num_words":36,"start":275.75,"end":304.51498},{"sentences":[{"text":"Oh, yeah.","start":306.25497,"end":306.91498,"sentiment":"neutral","sentiment_score":0.02904993761330843},{"text":"Oh, that's not not too bad.","start":307.055,"end":308.835,"sentiment":"neutral","sentiment_score":0.047768414641420044},{"text":"Mortgage, I have about $3.70.","start":310.01498,"end":311.955,"sentiment":"neutral","sentiment_score":0.019469818472862242},{"text":"500.","start":319.39,"end":320.11002,"sentiment":"neutral","sentiment_score":0.059184227138757706},{"text":"Perfect.","start":320.11002,"end":320.61002,"sentiment":"neutral","sentiment_score":0.29070568084716797}],"sentiment":"neutral","sentiment_score":0.05279662422835827,"num_words":15,"start":306.25497,"end":320.61002},{"sentences":[{"text":"Now I also have here two cars, one scooter, and four e bikes combined value at about 169.","start":322.67,"end":332.125,"sentiment":"neutral","sentiment_score":0.08389421676596005},{"text":"Does that sound about right?","start":333.945,"end":335.405,"sentiment":"neutral","sentiment_score":0.06109244637191295},{"text":"Yep.","start":336.665,"end":337.165,"sentiment":"neutral","sentiment_score":0.0287734717130661},{"text":"And I do have here that in total about 65 owing.","start":337.465,"end":341.165,"sentiment":"neutral","sentiment_score":0.020115487404506315},{"text":"It just says for all of our I imagine the car potentially.","start":347.53998,"end":350.28,"sentiment":"neutral","sentiment_score":0.0032709872660537562}],"sentiment":"neutral","sentiment_score":0.044784123702172905,"num_words":47,"start":322.67,"end":350.28},{"sentences":[{"text":"The car.","start":351.94,"end":352.68,"sentiment":"neutral","sentiment_score":-0.06243106722831726},{"text":"Okay.","start":353.38,"end":353.69998,"sentiment":"neutral","sentiment_score":-0.008358247578144073},{"text":"Nothing owing on the ebike or the scooter or either cars?","start":353.69998,"end":356.44,"sentiment":"neutral","sentiment_score":-0.03199877454475923},{"text":"No.","start":357.585,"end":357.825,"sentiment":"neutral","sentiment_score":-0.03461381793022156},{"text":"Okay.","start":357.825,"end":358.225,"sentiment":"neutral","sentiment_score":0.019141284748911858}],"sentiment":"neutral","sentiment_score":-0.03129246470052749,"num_words":16,"start":351.94,"end":358.225},{"sentences":[{"text":"Perfect.","start":358.225,"end":358.725,"sentiment":"neutral","sentiment_score":0.1456112414598465},{"text":"I'll update that.","start":358.785,"end":360.085,"sentiment":"neutral","sentiment_score":0.1439621994892756},{"text":"And I do also have here that your investment for the distillery is about 125,000.","start":361.345,"end":369.685,"sentiment":"neutral","sentiment_score":0.052223316952586175},{"text":"Around that.","start":374.48,"end":375.12,"sentiment":"neutral","sentiment_score":0.05332280695438385},{"text":"Okay.","start":375.12,"end":375.62,"sentiment":"neutral","sentiment_score":0.06649412214756012}],"sentiment":"neutral","sentiment_score":0.06972669683058154,"num_words":22,"start":358.225,"end":375.62},{"sentences":[{"text":"And that you also had about 860,000 in savings.","start":376.88,"end":381.06,"sentiment":"neutral","sentiment_score":0.06396665217147933},{"text":"Mhmm.","start":389.61502,"end":390.015,"sentiment":"neutral","sentiment_score":0.007862321101129055},{"text":"About 500.","start":390.015,"end":391.05502,"sentiment":"neutral","sentiment_score":0.01301103737205267},{"text":"Okay.","start":391.05502,"end":391.535,"sentiment":"neutral","sentiment_score":0.05900894105434418},{"text":"Perfect.","start":391.535,"end":392.035,"sentiment":"neutral","sentiment_score":0.09217491000890732}],"sentiment":"neutral","sentiment_score":0.054340579746557136,"num_words":14,"start":376.88,"end":392.035},{"sentences":[{"text":"Any other new assets or liabilities in the last twelve months that we haven't gone over?","start":393.855,"end":398.66,"sentiment":"neutral","sentiment_score":-0.0006880958680994809},{"text":"No?","start":404.96,"end":405.44,"sentiment":"neutral","sentiment_score":-0.06626854836940765},{"text":"Okay.","start":405.44,"end":405.84,"sentiment":"neutral","sentiment_score":0.01868373341858387},{"text":"Perfect.","start":405.84,"end":406.34,"sentiment":"neutral","sentiment_score":0.13447478413581848},{"text":"And when it comes to your health and lifestyle, I have you down here as a nonsmoker.","start":407.12,"end":412.01498,"sentiment":"neutral","sentiment_score":0.05559220077360377}],"sentiment":"neutral","sentiment_score":0.028359662456851866,"num_words":36,"start":393.855,"end":412.01498},{"sentences":[{"text":"That's still the case as well?","start":412.395,"end":413.935,"sentiment":"neutral","sentiment_score":0.04270348139107227},{"text":"Yep.","start":415.275,"end":415.75497,"sentiment":"neutral","sentiment_score":0.051825907081365585},{"text":"Perfect.","start":415.75497,"end":416.25497,"sentiment":"neutral","sentiment_score":0.13601547479629517},{"text":"And do you have any significant health issues or injuries or any changes in the last twelve months?","start":417.19498,"end":422.25497,"sentiment":"neutral","sentiment_score":-0.0025239670649170876},{"text":"No.","start":423.45,"end":423.93,"sentiment":"neutral","sentiment_score":0.05513382703065872}],"sentiment":"neutral","sentiment_score":0.01680609963282391,"num_words":27,"start":412.395,"end":423.93},{"sentences":[{"text":"Beautiful.","start":423.93,"end":424.43,"sentiment":"neutral","sentiment_score":0.05809120461344719},{"text":"And do you have private health insurance?","start":424.65,"end":426.35,"sentiment":"neutral","sentiment_score":-0.025962680046047484},{"text":"No.","start":428.09,"end":428.59,"sentiment":"neutral","sentiment_score":-0.25935718417167664},{"text":"Obviously, for the next financial year, if you have the the time off, might not be too applicable.","start":431.29,"end":436.27,"sentiment":"neutral","sentiment_score":-0.20547276735305786},{"text":"But, otherwise, just something to be mindful of as well with if you do earn about a 180,000 is the medical levy surcharge if you do not have private health insurance with hospital cover.","start":437.255,"end":450.215,"sentiment":"neutral","sentiment_score":-0.2111262626507703}],"sentiment":"neutral","sentiment_score":-0.18458700790757038,"num_words":61,"start":423.93,"end":450.215},{"sentences":[{"text":"I'm not sure if you're aware of that.","start":450.215,"end":452.075,"sentiment":"neutral","sentiment_score":-0.2346636764705181},{"text":"No.","start":455.27,"end":455.77,"sentiment":"neutral","sentiment_score":-0.10454386472702026},{"text":"Sorry.","start":457.11,"end":457.61,"sentiment":"neutral","sentiment_score":-0.117578886449337},{"text":"It is for sorry.","start":457.66998,"end":459.35,"sentiment":"neutral","sentiment_score":-0.12896694988012314},{"text":"It is a tax that they put on high income earners if you do not have private health insurance with hospital cover.","start":459.35,"end":469.565,"sentiment":"neutral","sentiment_score":-0.15743714232336392}],"sentiment":"neutral","sentiment_score":-0.16885880815486112,"num_words":36,"start":450.215,"end":469.565},{"sentences":[{"text":"So for have you do you do your tax returns yourself?","start":471.54498,"end":475.565,"sentiment":"neutral","sentiment_score":-0.07630150697448036},{"text":"Yep.","start":478.26498,"end":478.76498,"sentiment":"neutral","sentiment_score":-0.036104366183280945},{"text":"Okay.","start":482.94998,"end":483.43,"sentiment":"neutral","sentiment_score":-0.0835520476102829},{"text":"Okay.","start":483.43,"end":483.93,"sentiment":"neutral","sentiment_score":-0.10154088586568832},{"text":"Yeah.","start":485.59,"end":486.09,"sentiment":"neutral","sentiment_score":-0.07555984705686569}],"sentiment":"neutral","sentiment_score":-0.07573824822902679,"num_words":15,"start":471.54498,"end":486.09},{"sentences":[{"text":"It is just something to be mindful of.","start":486.94998,"end":489.69,"sentiment":"neutral","sentiment_score":-0.11386833433061838},{"text":"Yes.","start":490.63,"end":491.13,"sentiment":"neutral","sentiment_score":0.02681048959493637},{"text":"It is one of those situation that most people are like, oh, I don't wanna have to pay private health insurance.","start":491.50998,"end":495.645,"sentiment":"neutral","sentiment_score":-0.07632986864163763},{"text":"Ultimately, it's completely up to you.","start":495.88498,"end":497.405,"sentiment":"neutral","sentiment_score":0.05852970791359743},{"text":"I just flag it from a just look at the the money side of it because sometimes depending on where you're at, obviously, with your income.","start":497.405,"end":507.82498,"sentiment":"neutral","sentiment_score":0.03539199091028422}],"sentiment":"neutral","sentiment_score":-0.019607958312506876,"num_words":62,"start":486.94998,"end":507.82498},{"sentences":[{"text":"Correct.","start":508.52002,"end":509.02002,"sentiment":"neutral","sentiment_score":0.2320212870836258},{"text":"Sometimes, it will save you money by having private health insurance.","start":509.56,"end":512.60004,"sentiment":"neutral","sentiment_score":0.28909513489766553},{"text":"Yeah.","start":512.60004,"end":512.84,"sentiment":"neutral","sentiment_score":0.035069260746240616},{"text":"You feel like you're paying for something if you might not use it, but if you don't pay the tax, you're better off.","start":512.84,"end":517.96,"sentiment":"neutral","sentiment_score":-0.10715425581387851},{"text":"Sometimes, it's similar.","start":517.96,"end":519.72003,"sentiment":"neutral","sentiment_score":-0.02371158543974161}],"sentiment":"neutral","sentiment_score":0.023370625427327096,"num_words":39,"start":508.52002,"end":519.72003},{"sentences":[{"text":"Sometimes, it's a little bit more with private health, obviously, depending on where your income is at.","start":519.72003,"end":524.085,"sentiment":"neutral","sentiment_score":-0.042913241202340406},{"text":"But, obviously, for the next financial year, if you're not depending on how much you're actually kind of paying yourself from it, just something to be mindful of and maybe check with your accountant as well for when you do things for the next financial year just to check-in.","start":525.84503,"end":542.08,"sentiment":"neutral","sentiment_score":0.020061735063791275},{"text":"Just a little just a little flag.","start":543.26,"end":545.12,"sentiment":"neutral","sentiment_score":0.06379816361836024},{"text":"Mhmm.","start":550.3,"end":550.8,"sentiment":"neutral","sentiment_score":0.008087920024991035},{"text":"It could be.","start":552.955,"end":553.775,"sentiment":"neutral","sentiment_score":-0.10662192851305008}],"sentiment":"neutral","sentiment_score":0.005042976590913612,"num_words":77,"start":519.72003,"end":553.775},{"sentences":[{"text":"Sorry.","start":553.91504,"end":554.395,"sentiment":"neutral","sentiment_score":-0.20272624492645264},{"text":"It would be dependent on what the private health insurance because we don't do private health insurance.","start":554.395,"end":561.935,"sentiment":"neutral","sentiment_score":-0.12654749084921443},{"text":"So it would depend on how much they would obviously charge you.","start":562.555,"end":567.295,"sentiment":"neutral","sentiment_score":-0.07341142961134513},{"text":"It could be a $100 a month to a 100 a a month depending on, obviously, which provider you're going with and, obviously, health and age and stuff like that.","start":567.74,"end":576.32,"sentiment":"neutral","sentiment_score":-0.02892519924789667},{"text":"So I would say the way to do it is even just jump online and do, like, private health insurance comparisons.","start":577.1,"end":583.685,"sentiment":"neutral","sentiment_score":0.1394762716123036}],"sentiment":"neutral","sentiment_score":-0.014490432324416843,"num_words":81,"start":553.91504,"end":583.685},{"sentences":[{"text":"There's heaps of those sites.","start":583.745,"end":584.865,"sentiment":"neutral","sentiment_score":0.15952240526676179},{"text":"Just tuck in your details, and it will give you a rough idea of how much it will cost.","start":584.865,"end":588.965,"sentiment":"neutral","sentiment_score":0.13463934118810453},{"text":"And then when you go to your accountant to do your tax return for this financial year as well, he can then give you the exact figures when you have everything put together with how much you had to pay for the medical levy surcharge, and then you can kind of work out what would be better for you.","start":589.665,"end":610.515,"sentiment":"neutral","sentiment_score":0.20893373744467558},{"text":"And it also factors in, like, family thresholds as well.","start":613.055,"end":619.075,"sentiment":"neutral","sentiment_score":0.14112373068928719},{"text":"So it does depend on, like, your your partner as well.","start":619.695,"end":624.52997,"sentiment":"neutral","sentiment_score":0.05771634287454865}],"sentiment":"neutral","sentiment_score":0.17047083746785155,"num_words":104,"start":583.745,"end":624.52997},{"sentences":[{"text":"But, again, he would or he or she, your accountant, would be able to kind of figure that out.","start":625.07,"end":629.31,"sentiment":"neutral","sentiment_score":0.08505683078577644},{"text":"But do you know, is your partner currently working?","start":629.31,"end":632.61,"sentiment":"neutral","sentiment_score":-0.030017829189697903},{"text":"No.","start":634.67,"end":635.17,"sentiment":"neutral","sentiment_score":-0.14037424325942993},{"text":"Yes.","start":637.41504,"end":637.49506,"sentiment":"neutral","sentiment_score":0.02057492174208164},{"text":"Okay.","start":637.49506,"end":637.99506,"sentiment":"neutral","sentiment_score":0.008235115557909012}],"sentiment":"neutral","sentiment_score":0.039817906976226836,"num_words":31,"start":625.07,"end":637.99506},{"sentences":[{"text":"Do you know no.","start":638.215,"end":643.655,"sentiment":"neutral","sentiment_score":-0.072663689032197},{"text":"That's all good.","start":643.655,"end":644.715,"sentiment":"neutral","sentiment_score":0.05899146323402723},{"text":"Do you know rough?","start":644.85504,"end":646.075,"sentiment":"neutral","sentiment_score":0.005640901625156403},{"text":"Technically, on paper.","start":649.37,"end":650.17004,"sentiment":"neutral","sentiment_score":-0.11067304015159607},{"text":"Yep.","start":650.17004,"end":650.67004,"sentiment":"neutral","sentiment_score":0.0234594251960516}],"sentiment":"neutral","sentiment_score":-0.026645097012321154,"num_words":15,"start":638.215,"end":650.67004},{"sentences":[{"text":"Now do you know how much she gets paid or what she gets out currently?","start":650.73004,"end":656.03,"sentiment":"neutral","sentiment_score":-0.011536474401752154},{"text":"Okay.","start":662.26495,"end":662.58496,"sentiment":"neutral","sentiment_score":0.06281638145446777},{"text":"You might be fine then, but check with your accountant because, basically, from a family threshold, it has to be over 200 and 2,000 through for you to pay the medical levy surcharge.","start":662.58496,"end":678.61,"sentiment":"neutral","sentiment_score":-0.04260372607545419},{"text":"So have a look.","start":680.35004,"end":683.01,"sentiment":"neutral","sentiment_score":0.03237572219222784},{"text":"But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well.","start":685.15,"end":693.595,"sentiment":"neutral","sentiment_score":-0.006255941966978403}],"sentiment":"neutral","sentiment_score":-0.01961145946119405,"num_words":79,"start":650.73004,"end":693.595},{"sentences":[{"text":"So you might be just fine if her income is a bit lower.","start":693.595,"end":696.895,"sentiment":"neutral","sentiment_score":0.06662681326270103},{"text":"Just something to be mindful of.","start":698.315,"end":699.595,"sentiment":"neutral","sentiment_score":-0.013894038274884224},{"text":"And, yeah, just flag it with your accountant.","start":699.595,"end":701.215,"sentiment":"neutral","sentiment_score":0.10175960697233677},{"text":"And and like I said, I would just run run the quotes online to see how much it would cost for private health.","start":701.275,"end":707.00995,"sentiment":"neutral","sentiment_score":0.13043290149906409},{"text":"And then when you go to him, you can be like, oh, was I just under or, obviously, for the next twelve months might not be applicable, but after that, where where are we sitting at?","start":707.00995,"end":715.56995,"sentiment":"neutral","sentiment_score":0.06251287418935034}],"sentiment":"neutral","sentiment_score":0.07961955120743708,"num_words":86,"start":693.595,"end":715.56995},{"sentences":[{"text":"Just so you do have that knowledge as well.","start":715.56995,"end":718.365,"sentiment":"neutral","sentiment_score":0.1501080012983746},{"text":"Yep.","start":719.245,"end":719.725,"sentiment":"neutral","sentiment_score":0.2276751697063446},{"text":"Perfect.","start":719.725,"end":720.225,"sentiment":"positive","sentiment_score":0.38384830951690674},{"text":"No.","start":720.285,"end":720.52496,"sentiment":"neutral","sentiment_score":0.087278813123703},{"text":"That's all good.","start":720.52496,"end":721.665,"sentiment":"neutral","sentiment_score":0.1760001281897227}],"sentiment":"neutral","sentiment_score":0.17185164590676624,"num_words":15,"start":715.56995,"end":721.665},{"sentences":[{"text":"Otherwise, when it comes to estate planning, do you guys have a will in place or power of attorney or guardianship or anything like that?","start":723.165,"end":730.545,"sentiment":"neutral","sentiment_score":-0.018320851065218448},{"text":"No?","start":733.33,"end":733.83,"sentiment":"neutral","sentiment_score":-0.08129394054412842},{"text":"No.","start":738.05005,"end":738.29004,"sentiment":"neutral","sentiment_score":-0.06898453086614609},{"text":"That's all good.","start":738.29004,"end":739.33,"sentiment":"neutral","sentiment_score":0.018214753208061058},{"text":"Most people say the same.","start":739.33,"end":740.29004,"sentiment":"neutral","sentiment_score":-0.01463874727487564}],"sentiment":"neutral","sentiment_score":-0.01790997785116945,"num_words":35,"start":723.165,"end":740.29004},{"sentences":[{"text":"It's like, no.","start":740.29004,"end":740.77,"sentiment":"neutral","sentiment_score":-0.07462570319573085},{"text":"No.","start":740.77,"end":740.93,"sentiment":"neutral","sentiment_score":-0.12653672695159912},{"text":"It's not a to do list.","start":740.93,"end":742.15,"sentiment":"neutral","sentiment_score":-0.12154081587990125},{"text":"With your super insurances, though, because super insurances does not form part of the estate, so you can have separate nominations directly for that.","start":744.195,"end":755.17505,"sentiment":"neutral","sentiment_score":-0.030065099863956373},{"text":"So at the moment, we don't have a nomination for either your super or your insurances.","start":755.315,"end":760.68005,"sentiment":"neutral","sentiment_score":-0.08896821667440236}],"sentiment":"neutral","sentiment_score":-0.0644942519068718,"num_words":50,"start":740.29004,"end":760.68005},{"sentences":[{"text":"So if something ever were to happen to you, who do you want to receive your super and insurances?","start":761.30005,"end":766.44,"sentiment":"neutral","sentiment_score":-0.01670968228656995},{"text":"Sophie.","start":768.10004,"end":768.58,"sentiment":"neutral","sentiment_score":0.029397141188383102},{"text":"Okay.","start":768.58,"end":769.035,"sentiment":"neutral","sentiment_score":0.06212020665407181},{"text":"Sorry.","start":769.115,"end":769.435,"sentiment":"neutral","sentiment_score":0.0485924631357193},{"text":"The good thing for her being your spouse is that she would receive everything tax free.","start":769.435,"end":774.25494,"sentiment":"positive","sentiment_score":0.4624184314161539}],"sentiment":"neutral","sentiment_score":0.19003475658399493,"num_words":38,"start":761.30005,"end":774.25494},{"sentences":[{"text":"Now in order to make the nomination, because it is make making a legal nomination, I will have to get the team to send you out the form for you to complete it.","start":776.15497,"end":785.8,"sentiment":"neutral","sentiment_score":0.1791682094335556},{"text":"Send you can just complete it a 100% through Sophie and then send it back.","start":786.98004,"end":791.7,"sentiment":"neutral","sentiment_score":0.22658766309420267},{"text":"Now they do have to be wet signed and witnessed because you are making a legal nomination.","start":791.7,"end":798.065,"sentiment":"neutral","sentiment_score":0.11705153654603397},{"text":"Do you have access to a print printer at all?","start":798.125,"end":800.78503,"sentiment":"neutral","sentiment_score":0.07223989181220532},{"text":"Yep.","start":801.72504,"end":802.045,"sentiment":"neutral","sentiment_score":0.10221772640943529}],"sentiment":"neutral","sentiment_score":0.15955077136229529,"num_words":76,"start":776.15497,"end":802.045},{"sentences":[{"text":"Okay.","start":802.045,"end":802.445,"sentiment":"neutral","sentiment_score":0.1527550220489502},{"text":"So what I can do to make it easy for you is I can get the team to just email you the form.","start":802.445,"end":806.445,"sentiment":"neutral","sentiment_score":0.19848947388970334},{"text":"That way, you do have it in your inbox, and when you have a moment, just print them out.","start":806.445,"end":810.865,"sentiment":"neutral","sentiment_score":0.2694818287303573},{"text":"Yeah.","start":811.39,"end":811.89,"sentiment":"neutral","sentiment_score":0.05319280922412872},{"text":"Correct.","start":812.35,"end":812.85,"sentiment":"neutral","sentiment_score":0.061952948570251465}],"sentiment":"neutral","sentiment_score":0.22118474278185102,"num_words":45,"start":802.045,"end":812.85},{"sentences":[{"text":"No.","start":815.31,"end":815.55,"sentiment":"neutral","sentiment_score":-0.02886597439646721},{"text":"Anyone can sign it.","start":815.55,"end":816.85,"sentiment":"neutral","sentiment_score":-0.011610405519604683},{"text":"Sorry.","start":816.91,"end":817.14996,"sentiment":"neutral","sentiment_score":-0.056995756924152374},{"text":"Anyone can witness as long as it's not Sophie.","start":817.14996,"end":819.73,"sentiment":"neutral","sentiment_score":-0.01674037002440956},{"text":"So she can't witness that herself.","start":820.35,"end":822.20996,"sentiment":"neutral","sentiment_score":-0.1169172152876854}],"sentiment":"neutral","sentiment_score":-0.046879522635468414,"num_words":21,"start":815.31,"end":822.20996},{"sentences":[{"text":"It has to be two different people, and they have to do it at the same time.","start":822.91,"end":826.61,"sentiment":"neutral","sentiment_score":-0.1352872050860349},{"text":"They get quite pedantic if you use, like, different pens, so just be mindful of that.","start":826.635,"end":830.715,"sentiment":"negative","sentiment_score":-0.3645514249801636},{"text":"The witnesses are using that the same, like a blue pen, for example, or a black.","start":830.715,"end":834.635,"sentiment":"neutral","sentiment_score":-0.12430630903691053},{"text":"It's not different.","start":834.635,"end":835.53503,"sentiment":"neutral","sentiment_score":-0.07228680203358333},{"text":"Yeah.","start":835.755,"end":836.255,"sentiment":"neutral","sentiment_score":0.05597753822803497}],"sentiment":"neutral","sentiment_score":-0.19400922827563197,"num_words":53,"start":822.91,"end":836.255},{"sentences":[{"text":"Just to make sure it's all done because it is that legal nomination.","start":836.715,"end":840.015,"sentiment":"neutral","sentiment_score":0.06387177424935195},{"text":"Now with the forms as well, there are also two different types of nominations, which can be confusing.","start":840.89,"end":846.67,"sentiment":"neutral","sentiment_score":-0.020514555585881073},{"text":"So you have a binding or a nonbinding option.","start":847.45,"end":851.79,"sentiment":"neutral","sentiment_score":-0.004702613792485661},{"text":"So binding basically means that the trustee, so your super insurance, are bound to follow your wishes.","start":852.09,"end":858.335,"sentiment":"neutral","sentiment_score":0.05911256920765428},{"text":"So that gives you the most amount of certainty.","start":858.335,"end":860.35504,"sentiment":"neutral","sentiment_score":0.1039504963490698}],"sentiment":"neutral","sentiment_score":0.03574569218538024,"num_words":66,"start":836.715,"end":860.35504},{"sentences":[{"text":"Nonbinding basically means that this is your wishes, but then, ultimately, it is up to the trustee to make up to their discretion if they feel that there's someone else more suitable for it.","start":860.97504,"end":870.815,"sentiment":"neutral","sentiment_score":-0.05204725006650038},{"text":"So it's not as certain.","start":870.815,"end":872.11505,"sentiment":"neutral","sentiment_score":-0.13990346640348433},{"text":"You know which one you would like?","start":872.39,"end":874.01,"sentiment":"neutral","sentiment_score":-0.05826265684195927},{"text":"Yeah.","start":875.67,"end":875.99,"sentiment":"neutral","sentiment_score":0.2082349956035614},{"text":"Okay.","start":875.99,"end":876.23,"sentiment":"neutral","sentiment_score":0.13042865693569183}],"sentiment":"neutral","sentiment_score":-0.05288122457568534,"num_words":48,"start":860.97504,"end":876.23},{"sentences":[{"text":"So binding.","start":876.23,"end":877.13,"sentiment":"neutral","sentiment_score":0.08365252241492271},{"text":"And you also have lapsing or non lapsing.","start":877.91,"end":881.29,"sentiment":"neutral","sentiment_score":0.06035560788586736},{"text":"So lapsing means that it expires every three years, and you have to redo the forms.","start":881.35,"end":885.93,"sentiment":"neutral","sentiment_score":0.05360045516863465},{"text":"Non lapsing means it stays in place until you decide to change it.","start":886.745,"end":890.84503,"sentiment":"neutral","sentiment_score":0.0440020330536824},{"text":"Would you prefer that one?","start":891.385,"end":892.985,"sentiment":"neutral","sentiment_score":0.048271404951810835}],"sentiment":"neutral","sentiment_score":0.052753196478906,"num_words":44,"start":876.23,"end":892.985},{"sentences":[{"text":"Okay.","start":892.985,"end":893.485,"sentiment":"neutral","sentiment_score":0.14044983685016632},{"text":"Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing.","start":893.945,"end":900.64,"sentiment":"neutral","sentiment_score":0.3109913163241886},{"text":"And I do wanna just triple check that I have your wife's name spelled correctly.","start":900.94,"end":906.0,"sentiment":"neutral","sentiment_score":0.1635458399852117},{"text":"So I have s o p h I e, first name.","start":906.06,"end":910.22003,"sentiment":"neutral","sentiment_score":0.055492359467528084},{"text":"Yeah.","start":910.22003,"end":910.72003,"sentiment":"neutral","sentiment_score":0.049895621836185455}],"sentiment":"neutral","sentiment_score":0.1996891154166387,"num_words":49,"start":892.985,"end":910.72003},{"sentences":[{"text":"And then c o b u r n, last name.","start":910.86005,"end":914.72003,"sentiment":"neutral","sentiment_score":0.023863258492201566},{"text":"No?","start":924.825,"end":925.325,"sentiment":"neutral","sentiment_score":-0.007141709327697754},{"text":"C k.","start":925.865,"end":926.685,"sentiment":"neutral","sentiment_score":-0.002489698934368789},{"text":"Okay.","start":928.76,"end":929.16003,"sentiment":"neutral","sentiment_score":0.07373172044754028},{"text":"Perfect.","start":929.16003,"end":929.66003,"sentiment":"neutral","sentiment_score":0.265619158744812}],"sentiment":"neutral","sentiment_score":0.03772415712786217,"num_words":15,"start":910.86005,"end":929.66003},{"sentences":[{"text":"So c o c k b u r n.","start":929.8,"end":934.46,"sentiment":"neutral","sentiment_score":0.053237909037205905},{"text":"Yeah.","start":935.56,"end":935.88,"sentiment":"neutral","sentiment_score":0.08944301307201385},{"text":"Okay.","start":935.88,"end":936.2,"sentiment":"neutral","sentiment_score":0.17462974786758423},{"text":"Perfect.","start":936.2,"end":936.7,"sentiment":"positive","sentiment_score":0.46578577160835266},{"text":"I'm glad I checked that.","start":936.76,"end":938.06,"sentiment":"positive","sentiment_score":0.4657746970653534}],"sentiment":"neutral","sentiment_score":0.20811018818879828,"num_words":17,"start":929.8,"end":938.06},{"sentences":[{"text":"Sorry.","start":938.84,"end":939.24,"sentiment":"neutral","sentiment_score":-0.017064468935132027},{"text":"I didn't get that.","start":939.24,"end":940.46,"sentiment":"neutral","sentiment_score":-0.0496144937351346},{"text":"Yeah.","start":941.26495,"end":941.76495,"sentiment":"neutral","sentiment_score":-0.009219980798661709},{"text":"Okay.","start":950.865,"end":951.365,"sentiment":"neutral","sentiment_score":-0.08842281997203827},{"text":"Okay.","start":953.76,"end":954.0,"sentiment":"neutral","sentiment_score":-0.011981628835201263}],"sentiment":"neutral","sentiment_score":-0.04064335918519646,"num_words":8,"start":938.84,"end":954.0},{"sentences":[{"text":"I'll just update because I haven't been yeah.","start":954.0,"end":957.6,"sentiment":"neutral","sentiment_score":0.0058752065524458885},{"text":"Sorry.","start":957.6,"end":958.1,"sentiment":"neutral","sentiment_score":0.0018840208649635315},{"text":"And date, obviously, spouses, which is still perfectly fine.","start":958.88,"end":963.45996,"sentiment":"neutral","sentiment_score":0.05601884052157402},{"text":"But just for legality, I'll just change to spouse.","start":963.51996,"end":966.88,"sentiment":"neutral","sentiment_score":0.05419400872455703},{"text":"Thank you for that.","start":966.88,"end":968.18,"sentiment":"positive","sentiment_score":0.5587781295180321}],"sentiment":"neutral","sentiment_score":0.10567463982489801,"num_words":31,"start":954.0,"end":968.18},{"sentences":[{"text":"Do you guys have a planned wedding or not really in their vicinity right now with the family situation?","start":968.565,"end":974.905,"sentiment":"neutral","sentiment_score":0.06840037181973457},{"text":"Life.","start":982.02,"end":982.52,"sentiment":"neutral","sentiment_score":0.012825317680835724},{"text":"Yeah.","start":985.78,"end":986.28,"sentiment":"neutral","sentiment_score":0.011609891429543495},{"text":"Yep.","start":986.42004,"end":986.74005,"sentiment":"neutral","sentiment_score":-0.015129968523979189},{"text":"No.","start":986.74005,"end":987.24005,"sentiment":"neutral","sentiment_score":-0.11264045536518096}],"sentiment":"neutral","sentiment_score":0.052011819556355476,"num_words":23,"start":968.565,"end":987.24005},{"sentences":[{"text":"That's all good.","start":989.38,"end":990.52,"sentiment":"neutral","sentiment_score":0.05511715511480967},{"text":"Life definitely gets in the way.","start":991.46,"end":992.9,"sentiment":"neutral","sentiment_score":-0.2095973938703537},{"text":"She's still your spouse.","start":992.9,"end":993.7,"sentiment":"neutral","sentiment_score":-0.10519702546298504},{"text":"Sorry.","start":993.7,"end":993.86005,"sentiment":"neutral","sentiment_score":-0.08553800731897354},{"text":"Sorry.","start":993.86005,"end":994.10004,"sentiment":"neutral","sentiment_score":-0.08652202785015106}],"sentiment":"neutral","sentiment_score":-0.1123387356599172,"num_words":15,"start":989.38,"end":994.10004},{"sentences":[{"text":"It doesn't matter for for whether she's a spouse or, like, a wife for these purposes, it doesn't matter.","start":994.10004,"end":1001.11505,"sentiment":"neutral","sentiment_score":-0.02192916917173486},{"text":"It's still your spouse.","start":1001.11505,"end":1001.995,"sentiment":"neutral","sentiment_score":0.05495133437216282},{"text":"So no changes with that.","start":1001.995,"end":1004.97504,"sentiment":"neutral","sentiment_score":0.12272977828979492},{"text":"Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months.","start":1006.075,"end":1016.33997,"sentiment":"neutral","sentiment_score":0.08701460661464616},{"text":"Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage.","start":1016.33997,"end":1027.255,"sentiment":"neutral","sentiment_score":-0.08951313210831534}],"sentiment":"neutral","sentiment_score":0.00977781413065404,"num_words":97,"start":994.10004,"end":1027.255},{"sentences":[{"text":"Is that still kind of the goals otherwise?","start":1027.3151,"end":1030.295,"sentiment":"neutral","sentiment_score":-0.04703746782615781},{"text":"Yep.","start":1032.515,"end":1033.015,"sentiment":"neutral","sentiment_score":-0.012231326662003994},{"text":"Yep.","start":1034.5951,"end":1035.0951,"sentiment":"neutral","sentiment_score":0.012625190429389477},{"text":"After renovations.","start":1037.97,"end":1038.79,"sentiment":"neutral","sentiment_score":0.001449944160412997},{"text":"Yep.","start":1042.85,"end":1043.35,"sentiment":"neutral","sentiment_score":0.16903626918792725}],"sentiment":"neutral","sentiment_score":-0.01568997856408644,"num_words":13,"start":1027.3151,"end":1043.35},{"sentences":[{"text":"Yep.","start":1048.77,"end":1049.01,"sentiment":"neutral","sentiment_score":0.16558057069778442},{"text":"Yep.","start":1049.01,"end":1049.51,"sentiment":"neutral","sentiment_score":0.1331559121608734},{"text":"Yep.","start":1050.305,"end":1050.805,"sentiment":"neutral","sentiment_score":0.07613662630319595},{"text":"Yep.","start":1065.68,"end":1066.18,"sentiment":"neutral","sentiment_score":-0.03538355231285095},{"text":"Yep.","start":1076.8151,"end":1077.3151,"sentiment":"neutral","sentiment_score":0.0816102847456932}],"sentiment":"neutral","sentiment_score":0.08421996831893921,"num_words":5,"start":1048.77,"end":1077.3151},{"sentences":[{"text":"No worries.","start":1078.095,"end":1078.495,"sentiment":"neutral","sentiment_score":0.15329094231128693},{"text":"That is good.","start":1078.495,"end":1079.795,"sentiment":"positive","sentiment_score":0.3741659919420878},{"text":"Now, otherwise, when it comes to your superannuation, just to kind of check-in to see if your risk tolerance or anything has changed, Now how your superannuation is currently invested is in a growth portfolio.","start":1081.215,"end":1095.45,"sentiment":"neutral","sentiment_score":-0.01105414546493973},{"text":"Do you remember what it means to be a growth investor at all there, Dylan?","start":1096.07,"end":1100.41,"sentiment":"neutral","sentiment_score":-0.0010440773020188017},{"text":"It's it's actually somewhere in the middle.","start":1107.525,"end":1110.745,"sentiment":"neutral","sentiment_score":-0.13925537786313466}],"sentiment":"neutral","sentiment_score":0.0008344510419955177,"num_words":62,"start":1078.095,"end":1110.745},{"sentences":[{"text":"So for for your reference, obviously, we we tailor things a lot.","start":1111.045,"end":1115.925,"sentiment":"neutral","sentiment_score":0.06470994061479966},{"text":"But from the scale of things, we typically have your aggressive plus, which this is your what you would refer to for a very from the point that you're actually borrowing money to the different gearing and stuff like that.","start":1115.925,"end":1130.44,"sentiment":"neutral","sentiment_score":0.052984288334846495},{"text":"So that's your aggressive plus option.","start":1130.44,"end":1132.335,"sentiment":"neutral","sentiment_score":0.09269676481684049},{"text":"You have your aggressive portfolio, which, again, you see about a 100% of the investment in your growth investments and not really having any defensive.","start":1132.735,"end":1140.6749,"sentiment":"neutral","sentiment_score":0.15928288340568542},{"text":"You have your high growth options, so looking more about a ninety ten split.","start":1141.215,"end":1146.0349,"sentiment":"neutral","sentiment_score":0.17764519048588617}],"sentiment":"neutral","sentiment_score":0.10228016661460866,"num_words":97,"start":1111.045,"end":1146.0349},{"sentences":[{"text":"And then you have your growth.","start":1146.59,"end":1148.1901,"sentiment":"neutral","sentiment_score":0.1394076868891716},{"text":"So this is where you are at currently.","start":1148.1901,"end":1149.97,"sentiment":"neutral","sentiment_score":0.20327344350516796},{"text":"You then have, like, a balance, growth balance, and defensive under that.","start":1150.91,"end":1154.83,"sentiment":"neutral","sentiment_score":0.14050728206833205},{"text":"So, obviously, more defensive.","start":1154.83,"end":1156.27,"sentiment":"neutral","sentiment_score":0.09196921810507774},{"text":"So it's still very much focusing on growing your superannuation because you do still have plenty of time until retirement, but it is not your, you know, max max risk.","start":1156.27,"end":1167.095,"sentiment":"neutral","sentiment_score":0.10273909916480382}],"sentiment":"neutral","sentiment_score":0.12664618169267972,"num_words":60,"start":1146.59,"end":1167.095},{"sentences":[{"text":"Okay.","start":1172.995,"end":1173.395,"sentiment":"neutral","sentiment_score":0.016369471326470375},{"text":"You can retire, but you cannot access your super.","start":1173.395,"end":1175.64,"sentiment":"neutral","sentiment_score":-0.06621777845753564},{"text":"You can't access super until 60.","start":1175.72,"end":1177.64,"sentiment":"neutral","sentiment_score":-0.08732887730002403},{"text":"So however you fund your lifestyle until then, by all means, you can fully retire.","start":1177.64,"end":1183.74,"sentiment":"neutral","sentiment_score":0.0320230179776748},{"text":"Superannuation with the current legislation, you can't access till 60.","start":1184.2001,"end":1187.72,"sentiment":"neutral","sentiment_score":-0.025894121266901493}],"sentiment":"neutral","sentiment_score":-0.021516091258424085,"num_words":41,"start":1172.995,"end":1187.72},{"sentences":[{"text":"Right?","start":1187.72,"end":1188.22,"sentiment":"neutral","sentiment_score":0.01060442253947258},{"text":"Until then, it's locked in, and you can retire and live life however you want until then.","start":1188.4401,"end":1196.835,"sentiment":"neutral","sentiment_score":0.05340955778956413},{"text":"Yeah.","start":1196.835,"end":1197.335,"sentiment":"neutral","sentiment_score":0.028620634227991104},{"text":"So I have actually sent you an email with some documents.","start":1197.395,"end":1202.2949,"sentiment":"neutral","sentiment_score":0.045446624302051285},{"text":"Did that one come through okay?","start":1203.315,"end":1204.9349,"sentiment":"neutral","sentiment_score":0.04026817188908657}],"sentiment":"neutral","sentiment_score":0.04690859549575382,"num_words":36,"start":1187.72,"end":1204.9349},{"sentences":[{"text":"Yeah.","start":1210.04,"end":1210.54,"sentiment":"neutral","sentiment_score":0.04347509890794754},{"text":"If you do have access to your email.","start":1210.8401,"end":1212.6,"sentiment":"neutral","sentiment_score":0.05694788973778486},{"text":"Yeah.","start":1212.6,"end":1212.92,"sentiment":"neutral","sentiment_score":0.18781302869319916},{"text":"Perfect.","start":1212.92,"end":1213.42,"sentiment":"positive","sentiment_score":0.4045836925506592},{"text":"Now we have recently changed the software, so it might look a little bit different to what you have been used to before.","start":1214.28,"end":1221.975,"sentiment":"neutral","sentiment_score":0.06402952418379161}],"sentiment":"neutral","sentiment_score":0.07541570571415565,"num_words":34,"start":1210.04,"end":1221.975},{"sentences":[{"text":"But if you can click on the email for me, and you should still say click on the link.","start":1222.035,"end":1228.275,"sentiment":"neutral","sentiment_score":0.046153899870420755},{"text":"It says sign now.","start":1228.275,"end":1229.815,"sentiment":"neutral","sentiment_score":0.025703822262585163},{"text":"Yep, but it will still allow you to open up all the documents before Yeah.","start":1231.075,"end":1257.365,"sentiment":"neutral","sentiment_score":0.048350826775034265},{"text":"So are you in the one where it says super and insurance summary?","start":1257.425,"end":1260.485,"sentiment":"neutral","sentiment_score":0.012200711581569452},{"text":"Yep.","start":1261.84,"end":1262.1599,"sentiment":"neutral","sentiment_score":0.04944127798080444}],"sentiment":"neutral","sentiment_score":0.03678946762990493,"num_words":52,"start":1222.035,"end":1262.1599},{"sentences":[{"text":"Okay.","start":1262.1599,"end":1262.4,"sentiment":"neutral","sentiment_score":0.12932871282100675},{"text":"Perfect.","start":1262.4,"end":1262.72,"sentiment":"neutral","sentiment_score":0.3202294111251831},{"text":"Let me just open that one up for you.","start":1262.72,"end":1264.48,"sentiment":"neutral","sentiment_score":0.1985411395629247},{"text":"Yeah.","start":1264.48,"end":1264.7999,"sentiment":"neutral","sentiment_score":0.11186106503009796},{"text":"Exactly.","start":1264.7999,"end":1265.2999,"sentiment":"neutral","sentiment_score":0.14053493738174438}],"sentiment":"neutral","sentiment_score":0.19144802941725805,"num_words":13,"start":1262.1599,"end":1265.2999},{"sentences":[{"text":"So you have your superannuation with Hub twenty four, and you do have a $111,394 in there.","start":1265.6,"end":1274.145,"sentiment":"neutral","sentiment_score":0.12762530148029327},{"text":"Now do you have your Hub twenty four app downloaded on your phone or anything like that?","start":1274.625,"end":1278.785,"sentiment":"neutral","sentiment_score":0.058374175692305845},{"text":"Is that something you keep an eye on every now and then or not really?","start":1278.785,"end":1282.085,"sentiment":"neutral","sentiment_score":0.021241937826077143},{"text":"Nope.","start":1284.385,"end":1284.785,"sentiment":"neutral","sentiment_score":0.0721878707408905},{"text":"That's alright.","start":1284.785,"end":1285.605,"sentiment":"neutral","sentiment_score":0.16467607021331787}],"sentiment":"neutral","sentiment_score":0.07465692674024747,"num_words":52,"start":1265.6,"end":1285.605},{"sentences":[{"text":"They do have a pretty cool app as well.","start":1285.745,"end":1287.425,"sentiment":"positive","sentiment_score":0.4889013104968601},{"text":"I use Hub 24 for my personal super as well.","start":1287.425,"end":1289.8,"sentiment":"positive","sentiment_score":0.3375817060470581},{"text":"They can be a little bit harder to navigate because it's quite a little sophisticated platform to start with, but it is really good with there's a lot of different reporting, some features if it is something that you are, you know, interested in.","start":1289.8,"end":1302.315,"sentiment":"neutral","sentiment_score":0.27258912033655425},{"text":"It's just like an app on Play Store or Apple that you can just download on your phone as well.","start":1302.7949,"end":1307.9349,"sentiment":"neutral","sentiment_score":0.19300415068864823},{"text":"But, yeah, otherwise, that is your super.","start":1308.475,"end":1310.735,"sentiment":"neutral","sentiment_score":0.12518818357161113}],"sentiment":"neutral","sentiment_score":0.27229167165027723,"num_words":90,"start":1285.745,"end":1310.735},{"sentences":[{"text":"Now insurance wise, you have life and TPD, the total permanent disability insurance with.","start":1311.195,"end":1318.36,"sentiment":"neutral","sentiment_score":0.05203702074608633},{"text":"And at the moment, you are covered for $830,025.","start":1319.22,"end":1324.2001,"sentiment":"neutral","sentiment_score":0.11160619225766924},{"text":"You because you get paid, have a structured within hub twenty four, you do get a 15% tax rebate.","start":1324.98,"end":1331.505,"sentiment":"neutral","sentiment_score":0.2569834244878669},{"text":"So the total premium for both of them is $707.","start":1331.885,"end":1335.8251,"sentiment":"neutral","sentiment_score":0.19075804576277733},{"text":"Now are you still happy with that level of cover for life and TPD if something were to happen to you?","start":1337.005,"end":1342.925,"sentiment":"positive","sentiment_score":0.4934271886235192}],"sentiment":"neutral","sentiment_score":0.2587015137637723,"num_words":73,"start":1311.195,"end":1342.925},{"sentences":[{"text":"Because, obviously, you've had a bit of a change with property, but then also the baby on the way.","start":1342.925,"end":1348.28,"sentiment":"neutral","sentiment_score":0.14484472180667676},{"text":"Are you still happy in with that level of cover for you?","start":1348.28,"end":1351.98,"sentiment":"neutral","sentiment_score":0.2954721873005231},{"text":"Yep.","start":1354.36,"end":1354.86,"sentiment":"neutral","sentiment_score":0.08560993522405624},{"text":"It would Correct.","start":1356.28,"end":1358.835,"sentiment":"neutral","sentiment_score":0.07814377670486768},{"text":"Still leave a bit of Yeah.","start":1362.895,"end":1364.1749,"sentiment":"neutral","sentiment_score":0.028095776215195656}],"sentiment":"neutral","sentiment_score":0.16552028986738948,"num_words":41,"start":1342.925,"end":1364.1749},{"sentences":[{"text":"And still leave a bit of extra.","start":1364.1749,"end":1365.635,"sentiment":"neutral","sentiment_score":0.028125752827950885},{"text":"If something were to happen, if you needed any medical expenses or anything like that, but then your super is also paid on top of that as well.","start":1365.9349,"end":1372.38,"sentiment":"neutral","sentiment_score":0.06430105206423573},{"text":"Yep.","start":1376.62,"end":1377.12,"sentiment":"neutral","sentiment_score":0.04567446559667587},{"text":"It's so funny.","start":1377.34,"end":1378.32,"sentiment":"neutral","sentiment_score":-0.15322904785474142},{"text":"Sorry.","start":1380.7,"end":1380.9401,"sentiment":"neutral","sentiment_score":-0.1824835240840912}],"sentiment":"neutral","sentiment_score":0.03502033813856542,"num_words":40,"start":1364.1749,"end":1380.9401},{"sentences":[{"text":"It's so funny.","start":1380.9401,"end":1381.66,"sentiment":"neutral","sentiment_score":-0.15737250447273254},{"text":"So so many people are either like, oh, now you can just throw them in the bush.","start":1381.66,"end":1384.46,"sentiment":"neutral","sentiment_score":-0.18448068902773015},{"text":"I don't care.","start":1384.46,"end":1384.9401,"sentiment":"neutral","sentiment_score":-0.23676759004592896},{"text":"And some people go, oh, you know, I want this and this and this and this.","start":1384.9401,"end":1387.82,"sentiment":"neutral","sentiment_score":-0.054947577184066176},{"text":"It's such variety.","start":1387.82,"end":1390.9651,"sentiment":"neutral","sentiment_score":-0.08775060375531514}],"sentiment":"neutral","sentiment_score":-0.13002392960091433,"num_words":42,"start":1380.9401,"end":1390.9651},{"sentences":[{"text":"Now I can obviously see here that you don't have income protection or trauma insurance.","start":1392.7051,"end":1397.105,"sentiment":"neutral","sentiment_score":-0.20149976114432017},{"text":"You're still obviously happy with that?","start":1397.105,"end":1399.045,"sentiment":"neutral","sentiment_score":-0.09428914139668147},{"text":"They can't cover you for preexisting stuff though.","start":1407.8401,"end":1410.0,"sentiment":"neutral","sentiment_score":-0.2794195245951414},{"text":"That's the only thing.","start":1410.0,"end":1411.14,"sentiment":"neutral","sentiment_score":-0.18213626369833946},{"text":"Yes.","start":1415.6951,"end":1416.015,"sentiment":"neutral","sentiment_score":0.03796229884028435}],"sentiment":"neutral","sentiment_score":-0.19159324171350284,"num_words":34,"start":1392.7051,"end":1416.015},{"sentences":[{"text":"Okay.","start":1416.015,"end":1416.515,"sentiment":"neutral","sentiment_score":0.12136721611022948},{"text":"Perfect.","start":1416.655,"end":1417.155,"sentiment":"neutral","sentiment_score":0.2636817693710327},{"text":"Now the next report that you can see on your end, which one is that?","start":1418.495,"end":1422.755,"sentiment":"neutral","sentiment_score":0.04476607764760653},{"text":"Can you scroll?","start":1427.9501,"end":1428.8501,"sentiment":"neutral","sentiment_score":-0.0019432852665583293},{"text":"I could just yes.","start":1429.39,"end":1430.75,"sentiment":"neutral","sentiment_score":0.014482017373666167}],"sentiment":"neutral","sentiment_score":0.04619326516209791,"num_words":24,"start":1416.015,"end":1430.75},{"sentences":[{"text":"Yep.","start":1430.75,"end":1431.25,"sentiment":"neutral","sentiment_score":0.02908781915903091},{"text":"Yep.","start":1433.0701,"end":1433.55,"sentiment":"neutral","sentiment_score":0.09933509677648544},{"text":"Perfect.","start":1433.55,"end":1434.05,"sentiment":"neutral","sentiment_score":0.3194141983985901},{"text":"So that one here gives you a breakdown of your portfolio over the last twelve months.","start":1434.1101,"end":1439.17,"sentiment":"neutral","sentiment_score":0.11697376635856926},{"text":"Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall.","start":1440.1101,"end":1444.7051,"sentiment":"neutral","sentiment_score":-0.039147325736634875}],"sentiment":"neutral","sentiment_score":0.04594202329301172,"num_words":36,"start":1430.75,"end":1444.7051},{"sentences":[{"text":"We had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war.","start":1445.165,"end":1453.645,"sentiment":"neutral","sentiment_score":-0.03784804565545458},{"text":"So we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well.","start":1453.645,"end":1463.0599,"sentiment":"neutral","sentiment_score":-0.05867717280983925},{"text":"So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment.","start":1463.0599,"end":1470.84,"sentiment":"neutral","sentiment_score":0.09000946566462517},{"text":"So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality.","start":1471.685,"end":1484.185,"sentiment":"neutral","sentiment_score":0.22033713491899626},{"text":"You can also see, like, gold have done really well, cybersecurity, global diversify equities.","start":1486.06,"end":1491.2001,"sentiment":"neutral","sentiment_score":0.23059223060097014}],"sentiment":"neutral","sentiment_score":0.07794058593621446,"num_words":118,"start":1445.165,"end":1491.2001},{"sentences":[{"text":"But then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas.","start":1492.14,"end":1508.505,"sentiment":"neutral","sentiment_score":0.07754183560609818},{"text":"So if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that.","start":1508.505,"end":1515.95,"sentiment":"neutral","sentiment_score":0.09038249477744102},{"text":"And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market.","start":1516.09,"end":1526.1901,"sentiment":"neutral","sentiment_score":0.07947157208314713},{"text":"Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity.","start":1527.115,"end":1537.6749,"sentiment":"neutral","sentiment_score":0.09427555277943611},{"text":"Can you see that one on the form?","start":1537.6749,"end":1542.99,"sentiment":"neutral","sentiment_score":0.03725591581314802}],"sentiment":"neutral","sentiment_score":0.08105306366623259,"num_words":147,"start":1492.14,"end":1542.99},{"sentences":[{"text":"If not, it's okay.","start":1548.09,"end":1549.23,"sentiment":"neutral","sentiment_score":0.015857374295592308},{"text":"Nope.","start":1552.985,"end":1553.485,"sentiment":"neutral","sentiment_score":-0.04599051922559738},{"text":"That's okay.","start":1553.545,"end":1554.365,"sentiment":"neutral","sentiment_score":0.043168213218450546},{"text":"Especially if you're looking at your phone, it can be a little bit small.","start":1554.985,"end":1557.465,"sentiment":"neutral","sentiment_score":-0.01771714777818748},{"text":"But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great.","start":1557.465,"end":1571.9501,"sentiment":"neutral","sentiment_score":0.3151224827055227}],"sentiment":"neutral","sentiment_score":0.2110942242237238,"num_words":65,"start":1548.09,"end":1571.9501},{"sentences":[{"text":"And it's up by about 6.1%, which is still pretty decent given what's happened in the market.","start":1571.9501,"end":1578.13,"sentiment":"positive","sentiment_score":0.612446665763855},{"text":"Now one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity.","start":1578.765,"end":1589.985,"sentiment":"neutral","sentiment_score":0.2696294828221716},{"text":"So we do a lot of research on investments all the time.","start":1590.78,"end":1594.0,"sentiment":"neutral","sentiment_score":0.1494002646456162},{"text":"And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed.","start":1594.4601,"end":1607.9851,"sentiment":"neutral","sentiment_score":-0.06487904954701662},{"text":"You don't always want to make changes even when things are down, though, because if we foresee things are coming back around, you don't wanna sell when things are down.","start":1608.3651,"end":1616.305,"sentiment":"neutral","sentiment_score":-0.16997693174829084}],"sentiment":"neutral","sentiment_score":0.0963217309472384,"num_words":128,"start":1571.9501,"end":1616.305},{"sentences":[{"text":"But at the same time, you don't wanna just leave things in an investment if they are a little bit slower or they have better options for you.","start":1616.685,"end":1624.1,"sentiment":"neutral","sentiment_score":-0.18721426544444902},{"text":"So the investment committee have done a lot of research on your Benelon in investment.","start":1624.1,"end":1627.88,"sentiment":"neutral","sentiment_score":0.11028613199790319},{"text":"Now just for your reference, that is your managed funds.","start":1628.5801,"end":1632.02,"sentiment":"neutral","sentiment_score":0.1276751711964607},{"text":"So that is the purpose is to actively buy and sell different investments order to try to outperform the market.","start":1632.02,"end":1638.125,"sentiment":"neutral","sentiment_score":0.23599574938416482},{"text":"And, previously, they were doing really well with that.","start":1638.6649,"end":1642.0249,"sentiment":"neutral","sentiment_score":-0.001584992640548281}],"sentiment":"neutral","sentiment_score":0.029203589187889564,"num_words":82,"start":1616.685,"end":1642.0249},{"sentences":[{"text":"But like I said, more recently, they've been a little bit slower in making their decision.","start":1642.0249,"end":1646.205,"sentiment":"neutral","sentiment_score":-0.282812284771353},{"text":"So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure.","start":1647.5449,"end":1655.43,"sentiment":"neutral","sentiment_score":-0.048247548192739485},{"text":"The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified.","start":1656.37,"end":1664.23,"sentiment":"neutral","sentiment_score":0.22333372331091336},{"text":"So the one that we have researched is your BetaShares eight two hundred as a substitute.","start":1665.2051,"end":1671.545,"sentiment":"neutral","sentiment_score":0.17576870927587152},{"text":"And, basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX.","start":1672.805,"end":1681.8201,"sentiment":"neutral","sentiment_score":0.1271811472872893}],"sentiment":"neutral","sentiment_score":0.062172980509374455,"num_words":115,"start":1642.0249,"end":1681.8201},{"sentences":[{"text":"So you have all the banks, Woolworths, BHP, for example.","start":1682.36,"end":1685.9601,"sentiment":"neutral","sentiment_score":0.20369130074977876},{"text":"So it's a very diversified investment.","start":1685.9601,"end":1687.9,"sentiment":"positive","sentiment_score":0.3995300680398941},{"text":"Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF.","start":1688.4401,"end":1697.875,"sentiment":"positive","sentiment_score":0.4768718019608528},{"text":"So it focuses on tracking the 200 largest companies listed in Australia.","start":1698.015,"end":1702.915,"sentiment":"neutral","sentiment_score":0.2539573597411315},{"text":"So as the company grows and gets bigger, it gets into the 200.","start":1703.375,"end":1706.915,"sentiment":"neutral","sentiment_score":0.17339821847585532}],"sentiment":"positive","sentiment_score":0.34053867268893456,"num_words":72,"start":1682.36,"end":1706.915},{"sentences":[{"text":"As something gets smaller, you then kind of force out.","start":1706.9751,"end":1709.7,"sentiment":"neutral","sentiment_score":-0.19870513379573823},{"text":"So it's not that same kind of active buying and selling as your Benelong investment.","start":1709.94,"end":1715.1399,"sentiment":"neutral","sentiment_score":-0.1732847938934962},{"text":"Does that make sense?","start":1715.1399,"end":1716.2,"sentiment":"neutral","sentiment_score":-0.027260178700089455},{"text":"Yep.","start":1717.62,"end":1718.1,"sentiment":"positive","sentiment_score":0.3358161449432373},{"text":"Perfect.","start":1718.1,"end":1718.6,"sentiment":"positive","sentiment_score":0.6401017904281616}],"sentiment":"neutral","sentiment_score":-0.11998212986415432,"num_words":31,"start":1706.9751,"end":1718.6},{"sentences":[{"text":"And, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you.","start":1719.0599,"end":1728.245,"sentiment":"positive","sentiment_score":0.35085825704865986},{"text":"So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you.","start":1728.4651,"end":1736.3251,"sentiment":"positive","sentiment_score":0.5524912705788245},{"text":"Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy with that.","start":1736.48,"end":1744.66,"sentiment":"neutral","sentiment_score":0.3160550221800804},{"text":"Yep.","start":1745.04,"end":1745.54,"sentiment":"neutral","sentiment_score":0.23402903974056244},{"text":"Yep.","start":1745.68,"end":1746.0801,"sentiment":"neutral","sentiment_score":0.298522412776947}],"sentiment":"positive","sentiment_score":0.39055196423919836,"num_words":98,"start":1719.0599,"end":1746.0801},{"sentences":[{"text":"Great.","start":1746.0801,"end":1746.48,"sentiment":"positive","sentiment_score":0.6252079010009766},{"text":"Perfect.","start":1746.48,"end":1746.98,"sentiment":"positive","sentiment_score":0.5692580938339233},{"text":"Now going back to your growth portfolio as well.","start":1747.4401,"end":1750.48,"sentiment":"neutral","sentiment_score":0.2702866494655609},{"text":"So if you can see what's the next attachment there for you?","start":1750.48,"end":1753.9551,"sentiment":"neutral","sentiment_score":0.11039347263673942},{"text":"Okay.","start":1757.935,"end":1758.435,"sentiment":"neutral","sentiment_score":0.04248318821191788}],"sentiment":"neutral","sentiment_score":0.20809377916157246,"num_words":24,"start":1746.0801,"end":1758.435},{"sentences":[{"text":"So you can skip that one for now.","start":1758.495,"end":1760.655,"sentiment":"neutral","sentiment_score":0.022188121918588877},{"text":"You can have a look at that in your own team.","start":1760.655,"end":1762.015,"sentiment":"neutral","sentiment_score":0.09825582734563133},{"text":"But, essentially, it just breaks down your tile insurances in more detail, but just let you know that's all paid and up to date.","start":1762.015,"end":1767.395,"sentiment":"neutral","sentiment_score":0.1516847706710299},{"text":"Yep.","start":1768.55,"end":1768.87,"sentiment":"neutral","sentiment_score":0.06199854612350464},{"text":"And what's the next one?","start":1768.87,"end":1770.25,"sentiment":"neutral","sentiment_score":0.03394351452589035}],"sentiment":"neutral","sentiment_score":0.10470346308180264,"num_words":49,"start":1758.495,"end":1770.25},{"sentences":[{"text":"Yes.","start":1774.55,"end":1774.95,"sentiment":"neutral","sentiment_score":0.08207529038190842},{"text":"If you can open that one for me.","start":1774.95,"end":1776.73,"sentiment":"neutral","sentiment_score":0.0769733702763915},{"text":"Now you may have seen something like this before, and Vanguard does update this every year.","start":1778.31,"end":1783.265,"sentiment":"neutral","sentiment_score":0.12472323747351766},{"text":"So every financial year, they publish a new one, which is really good.","start":1783.265,"end":1786.725,"sentiment":"neutral","sentiment_score":0.31976151351745313},{"text":"But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move.","start":1786.945,"end":1797.765,"sentiment":"neutral","sentiment_score":0.28929677326232195}],"sentiment":"neutral","sentiment_score":0.23011186388986452,"num_words":70,"start":1774.55,"end":1797.765},{"sentences":[{"text":"So you can see that this dates back to 1995 and then through up all the ups and downs of the market through 2025.","start":1798.2799,"end":1805.26,"sentiment":"neutral","sentiment_score":0.1805212643618385},{"text":"Now this also breaks down the different asset classes.","start":1805.72,"end":1809.0199,"sentiment":"neutral","sentiment_score":0.11944013502862719},{"text":"So for your growth portfolio, we have that eighty twenty split.","start":1809.32,"end":1814.275,"sentiment":"neutral","sentiment_score":0.14538594267585062},{"text":"So 80% is in your growth assets, which on the chart here is your top four.","start":1814.415,"end":1820.995,"sentiment":"neutral","sentiment_score":0.17793531250208616},{"text":"So The US shares, Australian shares, international shares, and listed property, these are your growth investments.","start":1821.055,"end":1827.155,"sentiment":"neutral","sentiment_score":0.11014629536657594}],"sentiment":"neutral","sentiment_score":0.1528424033588779,"num_words":76,"start":1798.2799,"end":1827.155},{"sentences":[{"text":"Now you can see here that these are the ones that grow the most, which is ultimately going to give you that growth for superannuation, but they also fluctuate the most.","start":1827.75,"end":1835.75,"sentiment":"neutral","sentiment_score":0.21204064522058733},{"text":"And that's why it's making sure that we have enough time in the market.","start":1835.75,"end":1838.81,"sentiment":"neutral","sentiment_score":0.18249166198074818},{"text":"And you then have about 20% in defensive.","start":1839.845,"end":1843.145,"sentiment":"neutral","sentiment_score":0.10413998831063509},{"text":"So these are, like, your bottom three.","start":1843.285,"end":1845.045,"sentiment":"neutral","sentiment_score":0.13872051984071732},{"text":"Gold can also come into this category, which you can see are a bit more stable.","start":1845.045,"end":1849.4451,"sentiment":"neutral","sentiment_score":0.19359895773231983}],"sentiment":"neutral","sentiment_score":0.18460381761389344,"num_words":76,"start":1827.75,"end":1849.4451},{"sentences":[{"text":"They don't grow as much, but they don't fluctuate as much either.","start":1849.4451,"end":1852.985,"sentiment":"neutral","sentiment_score":0.05645350025345882},{"text":"Does that all make sense?","start":1853.125,"end":1854.345,"sentiment":"neutral","sentiment_score":0.042531749606132506},{"text":"Yep.","start":1855.4601,"end":1855.86,"sentiment":"neutral","sentiment_score":0.16049222648143768},{"text":"Great.","start":1855.86,"end":1856.3401,"sentiment":"positive","sentiment_score":0.5507504940032959},{"text":"Perfect.","start":1856.3401,"end":1856.8401,"sentiment":"positive","sentiment_score":0.4847672581672669}],"sentiment":"neutral","sentiment_score":0.10430553648620844,"num_words":20,"start":1849.4451,"end":1856.8401},{"sentences":[{"text":"Now what's the next one there for you?","start":1858.02,"end":1860.52,"sentiment":"neutral","sentiment_score":0.1136258915066719},{"text":"Yep.","start":1865.54,"end":1866.04,"sentiment":"neutral","sentiment_score":0.05276128277182579},{"text":"So you'll have a financial services guide, and then after that, it be an OQ services guide.","start":1866.3401,"end":1872.655,"sentiment":"neutral","sentiment_score":0.07842287070610944},{"text":"The financial services guide is just kind of like a shorter version.","start":1873.115,"end":1877.775,"sentiment":"neutral","sentiment_score":0.04160706279799342},{"text":"Gives you all the important information.","start":1878.715,"end":1880.3151,"sentiment":"neutral","sentiment_score":0.11885090296467145}],"sentiment":"neutral","sentiment_score":0.07971244064075025,"num_words":44,"start":1858.02,"end":1880.3151},{"sentences":[{"text":"It's one of those compliance forms.","start":1880.3151,"end":1881.915,"sentiment":"neutral","sentiment_score":0.06326047703623772},{"text":"But if you can skip over the OQ services guide sorry.","start":1881.915,"end":1886.23,"sentiment":"neutral","sentiment_score":0.0010875539684837515},{"text":"I think I just opened the so, yeah, skip over the let me see here.","start":1886.23,"end":1892.65,"sentiment":"neutral","sentiment_score":0.023461118092139563},{"text":"The financial let's see if the work on my side.","start":1892.71,"end":1896.57,"sentiment":"neutral","sentiment_score":0.030451370775699614},{"text":"The financial services guide version four, you can skip that one.","start":1897.605,"end":1901.785,"sentiment":"neutral","sentiment_score":0.015493800694292242}],"sentiment":"neutral","sentiment_score":0.02298845740843494,"num_words":53,"start":1880.3151,"end":1901.785},{"sentences":[{"text":"And then if you go to the OQ services guide version one, which should be straight after, where you should have a cover page where it says, like, OQ services guide.","start":1901.845,"end":1910.485,"sentiment":"neutral","sentiment_score":0.0436264724741059},{"text":"Can you see that?","start":1910.485,"end":1911.51,"sentiment":"neutral","sentiment_score":0.02661413699388504},{"text":"Yep.","start":1912.63,"end":1912.95,"sentiment":"neutral","sentiment_score":0.09568893909454346},{"text":"Perfect.","start":1912.95,"end":1913.45,"sentiment":"neutral","sentiment_score":0.2444867193698883},{"text":"Now you probably have seen a couple of these before.","start":1913.51,"end":1916.73,"sentiment":"neutral","sentiment_score":0.13156146556138992}],"sentiment":"neutral","sentiment_score":0.06626952146279051,"num_words":47,"start":1901.845,"end":1916.73},{"sentences":[{"text":"It is one of those compliance forms, but it did does give you all the important information regarding us here at Oakview for you.","start":1917.11,"end":1924.17,"sentiment":"neutral","sentiment_score":0.23246407570938268},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is great.","start":1924.725,"end":1930.745,"sentiment":"neutral","sentiment_score":0.309876816258544},{"text":"And then also a bit of an update to our marketing, had some new photos and marketing materials.","start":1930.965,"end":1936.025,"sentiment":"neutral","sentiment_score":0.1787753299706512},{"text":"But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the voice.","start":1936.5,"end":1953.3351,"sentiment":"neutral","sentiment_score":0.12830566634473048},{"text":"Yeah.","start":1955.155,"end":1955.655,"sentiment":"neutral","sentiment_score":0.31585991382598877}],"sentiment":"neutral","sentiment_score":0.20094100130247136,"num_words":102,"start":1917.11,"end":1955.655},{"sentences":[{"text":"Perfect.","start":1955.795,"end":1956.295,"sentiment":"positive","sentiment_score":0.39299553632736206},{"text":"Now if you keep scrolling through, the next one should be a ongoing service agreement.","start":1957.3151,"end":1963.735,"sentiment":"neutral","sentiment_score":0.21345443576574324},{"text":"Can you see that one?","start":1964.01,"end":1966.91,"sentiment":"neutral","sentiment_score":0.017077148891985416},{"text":"Yes.","start":1970.49,"end":1970.99,"sentiment":"neutral","sentiment_score":0.05391133949160576},{"text":"Yeah.","start":1971.13,"end":1971.45,"sentiment":"neutral","sentiment_score":0.07192693650722504}],"sentiment":"neutral","sentiment_score":0.16547983014227255,"num_words":23,"start":1955.795,"end":1971.45},{"sentences":[{"text":"If you keep scrolling through and this will be so you have access to going back and having a look or read through this in more detail when you have a bit more time as well if you would like to.","start":1971.45,"end":1979.355,"sentiment":"neutral","sentiment_score":0.1242908751819192},{"text":"So if you go to the next one, does that say hub twenty four ongoing service agreement or consent to new?","start":1981.915,"end":1991.135,"sentiment":"neutral","sentiment_score":0.017980630043894053},{"text":"Yes.","start":1991.355,"end":1991.855,"sentiment":"neutral","sentiment_score":0.021714001893997192},{"text":"Yep.","start":1992.9401,"end":1993.3401,"sentiment":"neutral","sentiment_score":0.2369585633277893},{"text":"Perfect.","start":1993.3401,"end":1993.8401,"sentiment":"positive","sentiment_score":0.5652365684509277}],"sentiment":"neutral","sentiment_score":0.09688351149312578,"num_words":65,"start":1971.45,"end":1993.8401},{"sentences":[{"text":"So this is your ongoing service agreement.","start":1994.38,"end":1996.8,"sentiment":"positive","sentiment_score":0.4304772274834769},{"text":"Now this one here is just to say that you are happy to stay on as a client.","start":1997.42,"end":2002.0,"sentiment":"positive","sentiment_score":0.6165230605337355},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2002.6201,"end":2006.445,"sentiment":"neutral","sentiment_score":0.1999458751330773},{"text":"So that stays exactly the same at 1 0.65 from super.","start":2006.605,"end":2010.865,"sentiment":"positive","sentiment_score":0.47158477252179926},{"text":"Nothing out of pocket, and it is not a locking contract.","start":2011.325,"end":2015.105,"sentiment":"neutral","sentiment_score":0.17742872034961527}],"sentiment":"positive","sentiment_score":0.4008348238165096,"num_words":59,"start":1994.38,"end":2015.105},{"sentences":[{"text":"So if at any point in time you are not happy, there is no locking contract or no exit fee, but this just lets us service your account and manage all your investments and everything for you in the meantime.","start":2015.245,"end":2025.53,"sentiment":"neutral","sentiment_score":0.2758431049063802},{"text":"This one here will ask for your signature if you are happy with that.","start":2027.03,"end":2031.13,"sentiment":"neutral","sentiment_score":0.3295328180704798},{"text":"And then there should be one more after that, which should be your tax file number form.","start":2032.565,"end":2039.365,"sentiment":"neutral","sentiment_score":0.10898638691972284},{"text":"Can you see that?","start":2039.365,"end":2040.4249,"sentiment":"neutral","sentiment_score":0.07195224799215794},{"text":"Yep.","start":2044.565,"end":2045.065,"sentiment":"neutral","sentiment_score":0.09847360849380492}],"sentiment":"neutral","sentiment_score":0.23534519509657434,"num_words":76,"start":2015.245,"end":2045.065},{"sentences":[{"text":"Yep.","start":2050.97,"end":2051.47,"sentiment":"neutral","sentiment_score":0.1487829089164734},{"text":"So this is another one of those compliance forms that, basically, it just lets you know that we are keeping your tax number secure and safe on file.","start":2051.53,"end":2059.87,"sentiment":"neutral","sentiment_score":0.31031904369592667},{"text":"Again, if you're happy with it, it will just ask for your signature.","start":2060.4248,"end":2063.565,"sentiment":"neutral","sentiment_score":0.2571236158792789},{"text":"And when you've added both of them, it should say validate, I believe.","start":2064.025,"end":2069.7249,"sentiment":"neutral","sentiment_score":0.13259495049715042},{"text":"And when you press validate, it will then send it back to me, and I can let the team know, and we can get all of that sorted for you.","start":2071.625,"end":2080.1401,"sentiment":"neutral","sentiment_score":0.29720196276903155}],"sentiment":"neutral","sentiment_score":0.2684719573925523,"num_words":85,"start":2050.97,"end":2080.1401},{"sentences":[{"text":"Perfect.","start":2082.36,"end":2082.86,"sentiment":"positive","sentiment_score":0.4832592010498047},{"text":"Now I will keep a lookout for this to come through.","start":2083.08,"end":2085.56,"sentiment":"neutral","sentiment_score":0.3054958527738398},{"text":"I will also get the team to email you your hub 24 new title certificate of currency.","start":2085.56,"end":2091.325,"sentiment":"neutral","sentiment_score":0.3210044117534862},{"text":"I'll get it prefilled for Sophie as well to make it easy.","start":2091.325,"end":2094.545,"sentiment":"positive","sentiment_score":0.4215814347068469},{"text":"When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted.","start":2094.845,"end":2101.26,"sentiment":"neutral","sentiment_score":0.3016373406235988}],"sentiment":"neutral","sentiment_score":0.331378159015926,"num_words":67,"start":2082.36,"end":2101.26},{"sentences":[{"text":"But do you have any other questions for me, otherwise, before I let you go and get on with your day?","start":2101.26,"end":2106.1602,"sentiment":"neutral","sentiment_score":0.0465980354873907},{"text":"No?","start":2108.3,"end":2108.8,"sentiment":"neutral","sentiment_score":0.16100922226905823},{"text":"No problem at all.","start":2110.22,"end":2111.1,"sentiment":"positive","sentiment_score":0.40757568925619125},{"text":"And, also, keep a lookout for the record of advice.","start":2111.1,"end":2114.3052,"sentiment":"neutral","sentiment_score":0.26598226130008695},{"text":"I will probably send it through you on Monday, if that's okay, just to show you the investment change as well.","start":2114.3052,"end":2121.585,"sentiment":"neutral","sentiment_score":0.22801742436630384}],"sentiment":"neutral","sentiment_score":0.1792641973547768,"num_words":57,"start":2101.26,"end":2121.585},{"sentences":[{"text":"Right.","start":2123.505,"end":2124.005,"sentiment":"positive","sentiment_score":0.6030117273330688},{"text":"No problem at all.","start":2124.145,"end":2125.025,"sentiment":"positive","sentiment_score":0.6715322732925415},{"text":"You enjoy the rest of your day.","start":2125.025,"end":2126.565,"sentiment":"positive","sentiment_score":0.7875032935823713},{"text":"Mhmm.","start":2127.7449,"end":2128.065,"sentiment":"neutral","sentiment_score":0.1096632033586502},{"text":"Thanks.","start":2128.065,"end":2128.565,"sentiment":"positive","sentiment_score":0.5374516844749451}],"sentiment":"positive","sentiment_score":0.674912768815245,"num_words":14,"start":2123.505,"end":2128.565},{"sentences":[{"text":"Bye.","start":2128.625,"end":2129.125,"sentiment":"neutral","sentiment_score":-0.10832282155752182}],"sentiment":"neutral","sentiment_score":-0.10832282155752182,"num_words":1,"start":2128.625,"end":2129.125}]}}]},{"alternatives":[{"transcript":"Hello? Dylan speaking. Good. Thanks. How are you? Yeah. Absolutely. Yeah. No problem. Yeah. Dylan Thomas Campbell. Twenty sixth of the seventh nineteen ninety. 13 Commodore Court, Sunrise Beach 4567. Yeah. Busy working, renovating my house. So, you know yeah. Yeah. I'm I'm just saying yes to a review because I you guys keep asking me for one. So yep. Yeah. Cool. Yep. Later this year, there will be a third. So November this year, we're expecting again. Thanks. Yeah. No. It'll be a surprise. Yeah. Yeah. Yep. Yes. Still there. Only for one more month, sir. We'll be taking a year off. Yeah. I'll be taking a dividend from my my company. So I'll be yeah. We will I mean, yes. We'll be fine. Yes. Yeah. Yep. Yeah. Yep. On my yeah. That's what I take as a salary from Seabourn, and then I pay myself I will top that up to $1.80 from my business. Yep. Yep. Yep. Just leaving things for the year. Yep. I mean, if you came by right now, no. It's it at that. But at the end of the renovation, yeah, it will I'll have to wait and see, but probably closer to that 2.8 to $3,000,000 mark. Two months, eight more weeks. Yeah. That has gone up a touch. That is at 500. Yep. Yep. No. There's nothing else. No. Yes. Yep. That has come down to 500. No. Nothing substantial. Yeah. Nice. No. How much is this? So horseshit. No. I had someone else do him. I remember him saying, oh, you should get private health, and I was like, yeah. I don't need it. But it's More tax. Yep. It will actually save you. Yep. Yep. Mhmm. Yeah. Okay. So, like, next year, I've gotta take between 3 and $500,000 dividend. Is that better off having private health insurance? Okay. Yep. Mhmm. Yes. Yes. Okay. Yeah. Cool. No. Oh, I yes. She is. I'm so sorry. I should know that. She does work from home. It's a couple hours a week. She works for me. That's why I might know. She doesn't work. Yes. Yeah. I think it's only it's about $14 a year. Okay. Yeah. Cool. Yep. Yep. Cool. Thank you. No. It's not. I no. I can't. That's okay. Sophie. Yep. Okay. Cool. Yep. Yep. Yeah. Print that. Sign it. Do I have to go to a justice of peace? Anyone can witness it. Yeah. Yeah. Cool. Yeah. Well, okay. Yep. Yeah. That's awesome. Yes. Stay in place until I change it. Yep. Yep. No. No. C o c k b u r n. Yep. Yep. Yeah. Just on there as well. She is she would be my she'd like obviously, we have last names. We're not well, she isn't my wife. We are engaged, but she is not legally my wife. She's legally my dependent or whatever that is. Yeah. Yep. Yep. Yeah. It'll it'll come one day. It was on the plan four years ago, and then, you know, we had a child, and then we had a second. Now we got a third on the way, and then we got a renovating a house. And I reckon I'll get to 40 before we'll get married. Yeah. Exactly. Awesome. Yeah. It is. Obviously, my mortgage has gone up because I redrew a little bit. But yeah. No. Rent yeah. Renovation was a big one, and that's underway. So that was that was definitely what we wanted to do. We finally got that happening. Yeah. Chip away at the mortgage. Just keep yeah. We probably won't chip away as fast as we intended because we've just continued to spend more on the house, but at least that asset has has gone up. And now that I'm taking a year off, I will, you know, still just chip away slowly at the at the mortgage. Risky as fuck. Okay. Yep. Yes. Excuse me? What did you I'm retiring on June 30. Thank you very much. Yeah. Yeah. Yeah. So how much is in my super? Did you send it through just now? Give me two secs. Yep. Sign document. Yep. It's Yeah. So a 111,000? Yep. I'll double check on it. Okay. Yeah. Cool. Yeah. Covers any debts that I have and then I'll be debt free and have a house to live in. Yeah. Cool. Throw me in the ocean. See you later. Don't spend a single dollar on that stuff. Don't waste the money. Yes. Actually, I've got heated trauma. Can I no? I'm kidding. Oh, come on. Yes. That's fine. I can actually only open it just opens this one and oh, no. Wait. Next document. Yep. Performance with I r r. Yeah. No. I can't. But Yes. Mhmm. Yep. Mhmm. Yeah. Absolutely. Yeah. Absolutely. Certificate of currency. Yep. 2025 Vanguard index chart. Yep. Mhmm. Yep. Financial services guide. Yep. Yep. Yep. Yep. Awesome. Thank you. Is that I keep scrolling through, you said? Consent to new ongoing fee arrangement. Awesome. Yep. Yeah. I'm just gonna sign it and put the date. So option to provide tax line number. Yep. Yep. Mhmm. Awesome. Done. No. That's all good. Thank you so much for your time. Yeah. Awesome. Thanks so much. You as well. 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Dylan speaking. Good. Thanks. How are you?\n\nYeah. Absolutely. Yeah. No problem. Yeah.\n\nDylan Thomas Campbell. Twenty sixth of the seventh nineteen ninety. 13 Commodore Court, Sunrise Beach 4567. Yeah. Busy working, renovating my house.\n\nSo, you know yeah. Yeah. I'm I'm just saying yes to a review because I you guys keep asking me for one. So yep. Yeah.\n\nCool. Yep. Later this year, there will be a third. So November this year, we're expecting again. Thanks.\n\nYeah. No. It'll be a surprise. Yeah. Yeah.\n\nYep. Yes. Still there. Only for one more month, sir. We'll be taking a year off.\n\nYeah. I'll be taking a dividend from my my company. So I'll be yeah. We will I mean, yes. We'll be fine.\n\nYes. Yeah. Yep. Yeah. Yep.\n\nOn my yeah. That's what I take as a salary from Seabourn, and then I pay myself I will top that up to $1.80 from my business. Yep. Yep. Yep.\n\nJust leaving things for the year. Yep. I mean, if you came by right now, no. It's it at that. But at the end of the renovation, yeah, it will I'll have to wait and see, but probably closer to that 2.8 to $3,000,000 mark.\n\nTwo months, eight more weeks. Yeah. That has gone up a touch. That is at 500. Yep.\n\nYep. No. There's nothing else. No. Yes.\n\nYep. That has come down to 500. No. Nothing substantial. Yeah.\n\nNice. No. How much is this? So horseshit. No.\n\nI had someone else do him. I remember him saying, oh, you should get private health, and I was like, yeah. I don't need it. But it's More tax. Yep.\n\nIt will actually save you. Yep. Yep. Mhmm. Yeah.\n\nOkay. So, like, next year, I've gotta take between 3 and $500,000 dividend. Is that better off having private health insurance? Okay. Yep.\n\nMhmm. Yes. Yes. Okay. Yeah.\n\nCool. No. Oh, I yes. She is. I'm so sorry.\n\nI should know that. She does work from home. It's a couple hours a week. She works for me. That's why I might know.\n\nShe doesn't work. Yes. Yeah. I think it's only it's about $14 a year. Okay.\n\nYeah. Cool. Yep. Yep. Cool.\n\nThank you. No. It's not. I no. I can't.\n\nThat's okay. Sophie. Yep. Okay. Cool.\n\nYep. Yep. Yeah. Print that. Sign it.\n\nDo I have to go to a justice of peace? Anyone can witness it. Yeah. Yeah. Cool.\n\nYeah. Well, okay. Yep. Yeah. That's awesome.\n\nYes. Stay in place until I change it. Yep. Yep. No.\n\nNo. C o c k b u r n. Yep. Yep. Yeah.\n\nJust on there as well. She is she would be my she'd like obviously, we have last names. We're not well, she isn't my wife. We are engaged, but she is not legally my wife. She's legally my dependent or whatever that is.\n\nYeah. Yep. Yep. Yeah. It'll it'll come one day.\n\nIt was on the plan four years ago, and then, you know, we had a child, and then we had a second. Now we got a third on the way, and then we got a renovating a house. And I reckon I'll get to 40 before we'll get married. Yeah. Exactly.\n\nAwesome. Yeah. It is. Obviously, my mortgage has gone up because I redrew a little bit. But yeah.\n\nNo. Rent yeah. Renovation was a big one, and that's underway. So that was that was definitely what we wanted to do. We finally got that happening.\n\nYeah. Chip away at the mortgage. Just keep yeah. We probably won't chip away as fast as we intended because we've just continued to spend more on the house, but at least that asset has has gone up. And now that I'm taking a year off, I will, you know, still just chip away slowly at the at the mortgage.\n\nRisky as fuck. Okay. Yep. Yes. Excuse me?\n\nWhat did you I'm retiring on June 30. Thank you very much. Yeah. Yeah. Yeah.\n\nSo how much is in my super? Did you send it through just now? Give me two secs. Yep. Sign document.\n\nYep. It's Yeah. So a 111,000? Yep. I'll double check on it.\n\nOkay. Yeah. Cool. Yeah. Covers any debts that I have and then I'll be debt free and have a house to live in.\n\nYeah. Cool. Throw me in the ocean. See you later. Don't spend a single dollar on that stuff.\n\nDon't waste the money. Yes. Actually, I've got heated trauma. Can I no? I'm kidding.\n\nOh, come on. Yes. That's fine. I can actually only open it just opens this one and oh, no. Wait.\n\nNext document. Yep. Performance with I r r. Yeah. No.\n\nI can't. But Yes. Mhmm. Yep. Mhmm.\n\nYeah. Absolutely. Yeah. Absolutely. Certificate of currency.\n\nYep. 2025 Vanguard index chart. Yep. Mhmm. Yep.\n\nFinancial services guide. Yep. Yep. Yep. Yep.\n\nAwesome. Thank you. Is that I keep scrolling through, you said? Consent to new ongoing fee arrangement. Awesome.\n\nYep. Yeah. I'm just gonna sign it and put the date. So option to provide tax line number. Yep.\n\nYep. Mhmm. Awesome. Done. No.\n\nThat's all good. Thank you so much for your time. Yeah. Awesome. Thanks so much.\n\nYou as well. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.019994346424937248},{"text":"Dylan speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.036710746586322784},{"text":"Good.","start":6.96,"end":7.12,"sentiment":"positive","sentiment_score":0.5394324660301208},{"text":"Thanks.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5756165385246277},{"text":"How are 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yeah.","start":1036.37,"end":1038.0499,"sentiment":"neutral","sentiment_score":0.014193544164299965}],"sentiment":"neutral","sentiment_score":0.02433831389579508,"num_words":18,"start":1003.42,"end":1038.0499},{"sentences":[{"text":"No.","start":1038.0499,"end":1038.5299,"sentiment":"neutral","sentiment_score":-0.014049021527171137},{"text":"Rent yeah.","start":1038.5299,"end":1039.75,"sentiment":"neutral","sentiment_score":0.039462845772504807},{"text":"Renovation was a big one, and that's underway.","start":1040.545,"end":1043.425,"sentiment":"neutral","sentiment_score":0.16559734102338552},{"text":"So that was that was definitely what we wanted to do.","start":1043.425,"end":1048.0651,"sentiment":"positive","sentiment_score":0.347728740085255},{"text":"We finally got that happening.","start":1048.0651,"end":1049.605,"sentiment":"neutral","sentiment_score":0.19263826310634613}],"sentiment":"neutral","sentiment_score":0.22880973535831328,"num_words":27,"start":1038.0499,"end":1049.605},{"sentences":[{"text":"Yeah.","start":1052.465,"end":1052.785,"sentiment":"neutral","sentiment_score":-0.0617225244641304},{"text":"Chip away at the mortgage.","start":1052.785,"end":1054.085,"sentiment":"negative","sentiment_score":-0.34514031410217283},{"text":"Just keep yeah.","start":1055.61,"end":1057.53,"sentiment":"neutral","sentiment_score":-0.2551802645126979},{"text":"We probably won't chip away as fast as we intended because we've just continued to spend more on the house, but at least that asset has has gone up.","start":1057.53,"end":1068.67,"sentiment":"neutral","sentiment_score":-0.2188846330190527},{"text":"And now that I'm taking a year off, I will, you know, still just chip away slowly at the at the 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30.","start":1167.355,"end":1171.3098,"sentiment":"neutral","sentiment_score":-0.00304234167560935},{"text":"Thank you very much.","start":1171.3099,"end":1172.45,"sentiment":"positive","sentiment_score":0.4952508732676506},{"text":"Yeah.","start":1179.23,"end":1179.73,"sentiment":"neutral","sentiment_score":0.0012422995641827583},{"text":"Yeah.","start":1180.91,"end":1181.41,"sentiment":"neutral","sentiment_score":0.01973799616098404},{"text":"Yeah.","start":1193.535,"end":1194.035,"sentiment":"neutral","sentiment_score":0.012738377787172794}],"sentiment":"neutral","sentiment_score":0.13269222887853782,"num_words":15,"start":1167.355,"end":1194.035},{"sentences":[{"text":"So how much is in my super?","start":1194.255,"end":1196.275,"sentiment":"neutral","sentiment_score":0.014265124020831925},{"text":"Did you send it through just now?","start":1206.7101,"end":1208.3301,"sentiment":"neutral","sentiment_score":0.01723907275923661},{"text":"Give me two 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all good.","start":2107.52,"end":2108.2402,"sentiment":"neutral","sentiment_score":0.24154104789098105},{"text":"Thank you so much for your time.","start":2108.2402,"end":2109.86,"sentiment":"positive","sentiment_score":0.5699443731989179},{"text":"Yeah.","start":2119.2751,"end":2119.7751,"sentiment":"neutral","sentiment_score":0.10373091697692872},{"text":"Awesome.","start":2122.175,"end":2122.675,"sentiment":"positive","sentiment_score":0.8247173428535461},{"text":"Thanks so much.","start":2122.815,"end":2123.875,"sentiment":"positive","sentiment_score":0.8328371246655782}],"sentiment":"positive","sentiment_score":0.5427462259928385,"num_words":15,"start":2107.52,"end":2123.875},{"sentences":[{"text":"You as well.","start":2126.495,"end":2127.375,"sentiment":"positive","sentiment_score":0.5109393894672394},{"text":"Bye bye.","start":2127.375,"end":2128.115,"sentiment":"neutral","sentiment_score":0.2680201902985573}],"sentiment":"positive","sentiment_score":0.4137717097997665,"num_words":5,"start":2126.495,"end":2128.115}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Dylan speaking.\n\nChannel 0: Good afternoon, Dylan. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. Good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Dylan Thomas Campbell. Twenty sixth of the seventh nineteen ninety. 13 Commodore Court, Sunrise Beach 4567.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy.\n\nChannel 1: Yeah. Busy working, renovating my house. So, you know\n\nChannel 0: Yeah. That sounds sounds pretty good.\n\nChannel 1: yeah.\n\nChannel 0: Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going?\n\nChannel 1: Yeah. I'm I'm just saying yes to a review because I you guys keep asking me for one. So\n\nChannel 0: No. That's all good. It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure\n\nChannel 1: yep.\n\nChannel 0: that the advice still remains appropriate and tailored for you.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll\n\nChannel 1: Cool.\n\nChannel 0: tryna make it quick for you. But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this information. Now personal information, I have you down here as a married with two financial dependents. That's still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Later this year, there will be a third. So November this year, we're expecting again.\n\nChannel 0: Oh. Oh, well, congratulations. That's really\n\nChannel 1: Thanks.\n\nChannel 0: exciting. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know what you are having yet?\n\nChannel 1: No. It'll\n\nChannel 0: No.\n\nChannel 1: be\n\nChannel 0: Keeping\n\nChannel 1: a surprise.\n\nChannel 0: it a surprise?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's nice. Oh, that's really exciting.\n\nChannel 1: Yeah.\n\nChannel 0: Now next step in, I have Sophie nominated. Phone number ending in a 002. That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And employment wise, are you still doing the distillery management, or has any of that changed?\n\nChannel 1: Yes. Still there. Only for one more month, sir.\n\nChannel 0: Okay. And what are you doing after that?\n\nChannel 1: We'll be taking a year off.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah.\n\nChannel 0: And you guys are obviously financially okay, in a good position. Income, you don't need anything.\n\nChannel 1: I'll be taking a dividend from my my company. So I'll be\n\nChannel 0: Okay.\n\nChannel 1: yeah. We will I mean, yes. We'll be\n\nChannel 0: Perfect. That's good. We'll\n\nChannel 1: fine.\n\nChannel 0: be really helpful, obviously, with the new baby as well on the way, so that's\n\nChannel 1: Yes.\n\nChannel 0: very exciting.\n\nChannel 1: Yeah.\n\nChannel 0: Now at the moment, though, so for the next month, I have here that your basically income was around $1.30 for the year.\n\nChannel 1: Yep.\n\nChannel 0: Would that be the case? Obviously, you would then in a month, it will go into next financial year, but for this financial year, was around\n\nChannel 1: Yeah.\n\nChannel 0: that $1.30? Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: On my yeah. That's what I take as a salary from Seabourn, and then I pay\n\nChannel 0: Mhmm.\n\nChannel 1: myself I will top that up to $1.80 from\n\nChannel 0: Okay.\n\nChannel 1: my business. Yep.\n\nChannel 0: Okay. Perfect. And in terms of contributions from super, would that then be just the 12% of the one thirtieth and not the top up amount that you\n\nChannel 1: Yep.\n\nChannel 0: contribute? Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And while you are off, are you planning on making any contributions or just kind of leaving things for the year and then\n\nChannel 1: Just\n\nChannel 0: reassess?\n\nChannel 1: leaving things for the\n\nChannel 0: Yep.\n\nChannel 1: year. Yep.\n\nChannel 0: No. That's all good. Asset wise, otherwise, I have here that your property was lost by at about 2,000,000. Is that still the case? Or do you know if that went up a little bit?\n\nChannel 1: I mean, if you came by right now, no. It's it at that. But at the end of the renovation, yeah, it will I'll have to wait and see, but probably closer to that 2.8 to $3,000,000 mark.\n\nChannel 0: Oh, beautiful. That's nice. And with do you know how much she has left, Ruffland, do you think you guys have finished? Was that okay?\n\nChannel 1: Two months, eight more weeks.\n\nChannel 0: Oh, yeah. Oh, that's not not too bad. Mortgage, I have about $3.70.\n\nChannel 1: Yeah. That has gone up a touch. That is at 500.\n\nChannel 0: 500. Perfect. Now I also have here two cars, one scooter, and four e bikes combined\n\nChannel 1: Yep.\n\nChannel 0: value at about 169. Does that sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And I do have here that in total about 65 owing. It just says for all of our I imagine the car potentially.\n\nChannel 1: No. There's\n\nChannel 0: The\n\nChannel 1: nothing\n\nChannel 0: car.\n\nChannel 1: else.\n\nChannel 0: Okay. Nothing owing on the ebike or the scooter or either cars?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Perfect. I'll update that. And I do also have here that your investment for the distillery is about 125,000.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Around that. Okay. And that you also had about 860,000 in savings.\n\nChannel 1: That has come down to 500.\n\nChannel 0: Mhmm. About 500. Okay. Perfect. Any other new assets or liabilities in the last twelve months that we haven't gone over?\n\nChannel 1: No. Nothing substantial.\n\nChannel 0: No? Okay. Perfect. And when it comes to your health and lifestyle, I have you down here as a nonsmoker. That's still the case as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And do you have any significant health issues or injuries or any changes in the last twelve months?\n\nChannel 1: Nice.\n\nChannel 0: No. Beautiful. And do you have private health insurance? No. Obviously, for the next financial year, if you have the the time off, might not be too applicable.\n\nBut, otherwise, just something to be mindful of as well with if you do earn about a 180,000 is the medical levy surcharge if you do not have private health insurance with hospital cover. I'm not sure if you're aware of that.\n\nChannel 1: No. How much is this?\n\nChannel 0: No. Sorry. It is for sorry. It is a tax that they put on high income earners if you do not have private health insurance with hospital cover. So for have you do you do your tax\n\nChannel 1: So\n\nChannel 0: returns\n\nChannel 1: horseshit.\n\nChannel 0: yourself? Yep.\n\nChannel 1: No. I had someone else do him. I remember him saying, oh, you should get private health, and\n\nChannel 0: Okay.\n\nChannel 1: I was like,\n\nChannel 0: Okay.\n\nChannel 1: yeah. I don't need it. But\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: It is just something to be mindful\n\nChannel 1: More\n\nChannel 0: of.\n\nChannel 1: tax. Yep.\n\nChannel 0: Yes. It is one of those situation that most people are like, oh, I don't wanna have to pay private health insurance. Ultimately, it's completely up to you. I just flag it from a just look at the the money side of it because sometimes depending on where you're at, obviously,\n\nChannel 1: It\n\nChannel 0: with\n\nChannel 1: will\n\nChannel 0: your\n\nChannel 1: actually save\n\nChannel 0: income.\n\nChannel 1: you. Yep.\n\nChannel 0: Correct. Sometimes, it will save you money by having private health insurance. Yeah. You feel like you're paying for something if you might not use it, but if you don't pay the tax, you're better off. Sometimes, it's similar.\n\nSometimes, it's a little bit more with private health, obviously, depending on where your income is at.\n\nChannel 1: Yep.\n\nChannel 0: But, obviously, for the next financial year, if you're not depending on how much you're actually kind of paying yourself from it, just something to be mindful of and maybe check with your accountant as well for when you do things for the next financial year just to check-in.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Just\n\nChannel 1: Okay.\n\nChannel 0: a little\n\nChannel 1: So,\n\nChannel 0: just a\n\nChannel 1: like,\n\nChannel 0: little\n\nChannel 1: next\n\nChannel 0: flag.\n\nChannel 1: year, I've gotta take between 3 and $500,000 dividend. Is that better\n\nChannel 0: Mhmm.\n\nChannel 1: off having private health insurance?\n\nChannel 0: It could be. Sorry.\n\nChannel 1: Okay.\n\nChannel 0: It would be dependent on what the private health insurance because we don't do private health insurance. So it would depend on how much they would obviously charge you. It could be a $100 a month to a 100 a a month depending on, obviously, which provider you're going with and, obviously, health\n\nChannel 1: Yep.\n\nChannel 0: and age and stuff like that. So I would say the way to do it is even just jump online and do, like, private health insurance comparisons. There's heaps of those sites. Just tuck in your details, and it will give you a rough idea of\n\nChannel 1: Mhmm.\n\nChannel 0: how much it will cost. And\n\nChannel 1: Yes.\n\nChannel 0: then when you go to your accountant to do your tax return for this financial year as well, he can then give you the exact figures when you have everything put together with how much you had to pay for the medical levy surcharge, and\n\nChannel 1: Yes.\n\nChannel 0: then you can kind of work out what would be better for you.\n\nChannel 1: Okay. Yeah. Cool.\n\nChannel 0: And it also factors in, like, family thresholds as well. So it does depend on, like, your your partner as well. But, again, he would or he or she, your accountant, would be able to kind of figure that out. But do you know, is your partner currently working?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Oh, I yes. She is. I'm\n\nChannel 0: Yes. Okay.\n\nChannel 1: so\n\nChannel 0: Do\n\nChannel 1: sorry.\n\nChannel 0: you know\n\nChannel 1: I should know that. She does work from home. It's a couple hours a week.\n\nChannel 0: no. That's all good.\n\nChannel 1: She\n\nChannel 0: Do\n\nChannel 1: works\n\nChannel 0: you know\n\nChannel 1: for me.\n\nChannel 0: rough?\n\nChannel 1: That's why I might know. She doesn't work.\n\nChannel 0: Technically, on paper. Yep. Now do\n\nChannel 1: Yes.\n\nChannel 0: you know how much she gets paid or what she gets out currently?\n\nChannel 1: Yeah. I think it's only it's about $14 a year.\n\nChannel 0: Okay. You might be fine then, but check with your accountant because, basically, from a family threshold, it has to be over 200 and 2,000 through for you to pay the medical levy surcharge. So\n\nChannel 1: Okay.\n\nChannel 0: have a look. But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well. So you might be just fine if her income is a bit lower. Just something to be mindful of. And, yeah, just flag it with your accountant.\n\nAnd and like I said, I would just run run the\n\nChannel 1: Yeah.\n\nChannel 0: quotes\n\nChannel 1: Cool.\n\nChannel 0: online to see how much it would cost for private\n\nChannel 1: Yep.\n\nChannel 0: health. And then when you go to him, you can be like, oh, was I just under or, obviously, for the next twelve months might not be applicable, but after that,\n\nChannel 1: Yep.\n\nChannel 0: where where\n\nChannel 1: Cool.\n\nChannel 0: are we sitting at? Just so you do have that knowledge as well.\n\nChannel 1: Thank you.\n\nChannel 0: Yep. Perfect. No. That's all good. Otherwise, when it comes to estate planning, do you guys have a will in place or power of attorney or guardianship or anything like that?\n\nChannel 1: No. It's\n\nChannel 0: No?\n\nChannel 1: not. I no. I can't. That's okay.\n\nChannel 0: No. That's all good. Most people say the same. It's like, no. No.\n\nIt's not a to do list. With your super insurances, though, because super insurances does not form part of the estate, so you can have separate nominations directly for that. So at the moment, we don't have a nomination for either your super or your insurances. So if something ever were to happen to you, who do you want to receive your super and insurances?\n\nChannel 1: Sophie.\n\nChannel 0: Sophie. Okay. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: The good thing for her being your spouse is that she would receive everything tax free.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Now in order to make the nomination, because it is make making a legal nomination, I will have to get the team to send you out the form for you to complete it.\n\nChannel 1: Yep.\n\nChannel 0: Send you can just complete it a 100% through Sophie and then send it back. Now they do have to be wet signed and witnessed because you are making a legal nomination. Do you have access\n\nChannel 1: Yep.\n\nChannel 0: to a print printer at all? Yep. Okay. So what I can do to make it easy for you is I can get the team to just email you the form. That way, you do have it in your inbox, and when you have a moment,\n\nChannel 1: Yeah.\n\nChannel 0: just print\n\nChannel 1: Print\n\nChannel 0: them\n\nChannel 1: that.\n\nChannel 0: out.\n\nChannel 1: Sign it.\n\nChannel 0: Yeah.\n\nChannel 1: Do I have\n\nChannel 0: Correct.\n\nChannel 1: to go to a justice of peace?\n\nChannel 0: No. Anyone can sign it. Sorry.\n\nChannel 1: Anyone\n\nChannel 0: Anyone\n\nChannel 1: can\n\nChannel 0: can\n\nChannel 1: witness\n\nChannel 0: witness\n\nChannel 1: it.\n\nChannel 0: as long\n\nChannel 1: Yeah.\n\nChannel 0: as it's not Sophie.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: So she can't witness that herself.\n\nChannel 1: Yeah.\n\nChannel 0: It has to be two different people, and they have to do it at the same time. They get quite pedantic if you use, like, different pens, so just be mindful of that. The witnesses are using that the same, like a blue pen, for example, or a black.\n\nChannel 1: Well,\n\nChannel 0: It's not different.\n\nChannel 1: okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Just to make sure it's all done because it is that legal nomination. Now with the forms as well, there are also two different types of nominations, which can be confusing. So you have a binding or a nonbinding option. So binding basically means that the trustee, so your super insurance, are bound to follow your wishes. So that gives you the most amount of certainty.\n\nNonbinding basically means that this is your wishes, but then, ultimately, it is up to the trustee to make up to their discretion if they feel that there's someone else more suitable for it. So it's not as certain. You know which one you would like?\n\nChannel 1: Yeah. That's awesome.\n\nChannel 0: Yeah. Okay. So binding. And you also have lapsing or non lapsing. So lapsing means that it expires every three years, and you have to redo the forms.\n\nNon lapsing means it stays in place until you decide to change it.\n\nChannel 1: Yes. Stay\n\nChannel 0: Would\n\nChannel 1: in place\n\nChannel 0: you\n\nChannel 1: until\n\nChannel 0: prefer\n\nChannel 1: I change\n\nChannel 0: that one?\n\nChannel 1: it.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing. And I do wanna just triple check that I have your wife's name spelled correctly. So I have s o p h I e,\n\nChannel 1: Yep.\n\nChannel 0: first name. Yeah. And then c o b u r n, last name.\n\nChannel 1: No. No. C o c k\n\nChannel 0: No?\n\nChannel 1: b\n\nChannel 0: C k.\n\nChannel 1: u r n.\n\nChannel 0: Okay. Perfect. So c o c k\n\nChannel 1: Yep.\n\nChannel 0: b u r n.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. I'm glad I checked that.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Just\n\nChannel 0: I didn't\n\nChannel 1: on there\n\nChannel 0: get that.\n\nChannel 1: as well. She is she\n\nChannel 0: Yeah.\n\nChannel 1: would be my she'd like obviously, we have last names. We're not well, she isn't my wife. We are engaged, but\n\nChannel 0: Okay.\n\nChannel 1: she is not legally my wife.\n\nChannel 0: Okay.\n\nChannel 1: She's\n\nChannel 0: I'll just\n\nChannel 1: legally\n\nChannel 0: update\n\nChannel 1: my\n\nChannel 0: because\n\nChannel 1: dependent\n\nChannel 0: I haven't\n\nChannel 1: or whatever\n\nChannel 0: been\n\nChannel 1: that is. Yeah.\n\nChannel 0: yeah. Sorry. And date, obviously, spouses, which is still perfectly fine. But just\n\nChannel 1: Yep.\n\nChannel 0: for legality, I'll just change\n\nChannel 1: Yep.\n\nChannel 0: to spouse. Thank you for that. Do you guys have a planned wedding or not really in their vicinity right now with the family situation?\n\nChannel 1: Yeah. It'll it'll come one day. It was on the plan four years ago, and then, you know, we had a child, and then we had a\n\nChannel 0: Life.\n\nChannel 1: second. Now we got a third on the way, and then we got a renovating a house. And\n\nChannel 0: Yeah.\n\nChannel 1: I reckon I'll\n\nChannel 0: Yep.\n\nChannel 1: get\n\nChannel 0: No.\n\nChannel 1: to 40 before we'll get married.\n\nChannel 0: That's all good. Life definitely gets in the way. She's still your spouse. Sorry. Sorry.\n\nIt doesn't matter for for\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: whether she's a spouse or, like, a wife for these purposes, it doesn't matter. It's still your spouse. So no changes\n\nChannel 1: Awesome.\n\nChannel 0: with that. Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months. Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage. Is that still kind of the goals otherwise?\n\nChannel 1: Yeah. It is. Obviously,\n\nChannel 0: Yep.\n\nChannel 1: my mortgage has gone up because\n\nChannel 0: Yep.\n\nChannel 1: I redrew a little bit. But yeah.\n\nChannel 0: After\n\nChannel 1: No.\n\nChannel 0: renovations.\n\nChannel 1: Rent yeah. Renovation was a big one, and that's\n\nChannel 0: Yep.\n\nChannel 1: underway. So that was that was definitely what we wanted to do. We finally got\n\nChannel 0: Yep.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: happening.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Chip away at the mortgage. Just keep yeah. We probably won't chip away as fast as we intended because we've just continued to spend more on the house, but\n\nChannel 0: Yep.\n\nChannel 1: at least that asset has has gone up. And now that I'm taking a year off, I will, you know, still just chip away slowly at the at the mortgage.\n\nChannel 0: Yep. No worries. That is good. Now, otherwise, when it comes to your superannuation, just to kind of check-in to see if your risk tolerance or anything has changed, Now how your superannuation is currently invested is in a growth portfolio. Do you remember what it means to be a growth investor at all there, Dylan?\n\nChannel 1: Risky as fuck.\n\nChannel 0: It's it's actually somewhere in the middle. So\n\nChannel 1: Okay.\n\nChannel 0: for for your reference, obviously, we we tailor things a lot. But from the scale of things,\n\nChannel 1: Yep.\n\nChannel 0: we typically have your aggressive plus, which this is your what you would refer to for a very from the point that you're actually borrowing money to the different gearing and stuff like that. So that's your aggressive plus option. You\n\nChannel 1: Yes.\n\nChannel 0: have your aggressive portfolio, which, again, you see about a 100% of the investment in your growth investments and not really having any defensive. You have your high growth options, so looking more about a ninety ten split. And then you have your growth. So this is where you are at currently. You then have, like, a balance, growth balance, and defensive under that.\n\nSo, obviously, more defensive. So it's still very much focusing on growing your superannuation because you do still have plenty of time until retirement, but it is not your,\n\nChannel 1: Excuse me?\n\nChannel 0: you know, max max risk.\n\nChannel 1: What did you I'm retiring on June 30. Thank you very much.\n\nChannel 0: Okay. You can retire, but you cannot access your super. You can't access super until 60. So however you\n\nChannel 1: Yeah.\n\nChannel 0: fund your lifestyle until\n\nChannel 1: Yeah.\n\nChannel 0: then, by all means, you can fully retire. Superannuation with the current legislation, you can't access till 60. Right? Until then, it's locked in, and you can retire and live life however you want until\n\nChannel 1: Yeah. So how much is in my super?\n\nChannel 0: then. Yeah. So I have actually sent you an email with some documents. Did that one come through okay?\n\nChannel 1: Did you send it through just now? Give me two secs.\n\nChannel 0: Yeah. If you do have access to your email. Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now we have recently changed the software, so it might look a little bit different to what you have been used to before. But if you can click on the email for me, and you should still say click on the link. It says sign now.\n\nChannel 1: Sign document. Yep.\n\nChannel 0: Yep, but it will still allow you to open up all the documents before\n\nChannel 1: It's Yeah. So a 111,000?\n\nChannel 0: Yeah. So are you in the one where it says super and insurance summary?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. Let me just open that one up for you. Yeah.\n\nExactly. So you have your superannuation with Hub twenty four, and you do have a $111,394 in there. Now do you have your Hub twenty four app downloaded on your phone or anything like that? Is that something you keep an eye on every now and then or not really?\n\nChannel 1: I'll double check on it.\n\nChannel 0: Nope. That's alright. They do have a pretty cool app as well. I use Hub 24 for my personal super as well. They can be a little bit harder to navigate because it's quite a little sophisticated platform to start with, but it is really good with there's a lot of different reporting, some features if it is something that you are, you know, interested in.\n\nIt's just like an app on Play Store or Apple that you can just download\n\nChannel 1: Okay.\n\nChannel 0: on your phone as well.\n\nChannel 1: Yeah.\n\nChannel 0: But,\n\nChannel 1: Cool.\n\nChannel 0: yeah, otherwise, that is your super. Now insurance wise, you have life and TPD, the total permanent disability insurance with. And at the moment, you are covered for $830,025. You because you get paid, have a structured within hub twenty four, you do get a 15% tax rebate. So the total premium for both of them is $707.\n\nNow are you still happy with that level of cover for life and TPD if something were to happen to you? Because, obviously, you've had a bit of a change with property, but then also the baby on the way. Are you still happy in with that level of cover for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Covers any\n\nChannel 0: It\n\nChannel 1: debts\n\nChannel 0: would\n\nChannel 1: that I have and then\n\nChannel 0: Correct.\n\nChannel 1: I'll be debt free and have a house to live\n\nChannel 0: Still\n\nChannel 1: in.\n\nChannel 0: leave a bit of Yeah. And still leave a bit of extra. If something were to happen, if you needed any medical expenses or anything like that, but then your super is also paid on top of that as well.\n\nChannel 1: Yeah. Cool. Throw me in the ocean. See you later.\n\nChannel 0: Yep.\n\nChannel 1: Don't\n\nChannel 0: It's\n\nChannel 1: spend\n\nChannel 0: so\n\nChannel 1: a single\n\nChannel 0: funny.\n\nChannel 1: dollar on that stuff.\n\nChannel 0: Sorry. It's so funny. So so many people are either like, oh, now you can just throw them in the bush. I don't care. And some people go, oh, you know, I want this and this and this and this.\n\nIt's such\n\nChannel 1: Don't waste the money.\n\nChannel 0: variety. Now I can obviously see here that you don't have income protection or trauma insurance. You're still obviously happy with that?\n\nChannel 1: Yes. Actually, I've got heated trauma. Can I no? I'm kidding.\n\nChannel 0: They can't cover you for preexisting stuff though. That's the only thing.\n\nChannel 1: Oh, come on. Yes. That's\n\nChannel 0: Yes.\n\nChannel 1: fine.\n\nChannel 0: Okay. Perfect. Now the next report that you can see on your end, which one is that?\n\nChannel 1: I can actually only open it just opens this one and oh, no.\n\nChannel 0: Can\n\nChannel 1: Wait.\n\nChannel 0: you scroll?\n\nChannel 1: Next document.\n\nChannel 0: I could\n\nChannel 1: Yep.\n\nChannel 0: just yes. Yep.\n\nChannel 1: Performance with I r r.\n\nChannel 0: Yep. Perfect. So that one here gives you a breakdown of your portfolio over the last twelve months. Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall. We had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war.\n\nSo we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well. So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment. So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality. You can also see, like, gold have done really well, cybersecurity, global diversify equities. But then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas.\n\nSo if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that. And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market. Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity. Can you see that one on the form? If not, it's okay.\n\nChannel 1: Yeah. No. I can't.\n\nChannel 0: Nope.\n\nChannel 1: But\n\nChannel 0: That's okay. Especially if you're looking at your phone, it can be a little bit small. But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great. And it's up by about 6.1%, which is still pretty decent given what's happened in the market. Now\n\nChannel 1: Yes.\n\nChannel 0: one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity. So we do a lot of research on investments all the time. And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed. You don't always want to make changes even when things are\n\nChannel 1: Mhmm.\n\nChannel 0: down, though, because if we foresee things are coming back around, you don't wanna sell when things are down. But at the same time, you don't\n\nChannel 1: Yep.\n\nChannel 0: wanna just leave things in an investment if they are a little bit slower or they have better options for you. So the investment committee have done a lot of research on your Benelon in investment. Now just for your reference, that is your managed funds. So that is the purpose is to actively buy and sell different investments order to try to outperform the market. And, previously, they were doing really well with that.\n\nBut like I said, more recently, they've been a little bit slower in making their decision. So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure. The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified. So the one that we have researched is your BetaShares eight two hundred as a substitute. And,\n\nChannel 1: Mhmm.\n\nChannel 0: basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX. So you have all the banks, Woolworths, BHP, for example. So it's a very diversified investment. Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF. So it focuses on tracking the 200 largest companies listed in Australia.\n\nSo as the company grows and gets bigger, it gets into the 200. As something gets smaller, you then kind of force out. So it's not that same kind of active buying and selling as your Benelong investment. Does that make sense?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep. Perfect. And, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you. So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you. Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy\n\nChannel 1: Yeah.\n\nChannel 0: with that.\n\nChannel 1: Absolutely.\n\nChannel 0: Yep. Yep. Great. Perfect. Now going back to your growth portfolio as well.\n\nSo if you can see what's the next attachment there for you?\n\nChannel 1: Certificate of currency.\n\nChannel 0: Okay. So you can skip that one for now. You can have a look at that in your own team. But, essentially, it just breaks down your tile insurances in more detail, but just let you know that's all paid and up to date. Yep.\n\nAnd what's the next one?\n\nChannel 1: Yep. 2025 Vanguard index chart.\n\nChannel 0: Yes. If you can open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Now you may have seen something like this before, and Vanguard does update this every year. So every financial year, they publish a new one, which is really good. But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move. So you can see that this dates back to 1995 and then through up all the ups and downs of the market through 2025. Now this also breaks down the different asset classes.\n\nSo for your growth portfolio, we have that eighty twenty split. So 80% is in your growth assets, which on the chart here is your top four. So The US shares, Australian shares, international shares, and listed property, these are your growth investments. Now you can see here that these are the ones that grow the most, which is ultimately going to give you that growth for superannuation, but they also fluctuate the most. And that's why it's making sure that we have enough time in the market.\n\nAnd you then have about 20% in defensive. So these are, like, your bottom three. Gold can also come into this category, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate as much either. Does that all\n\nChannel 1: Mhmm.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Great. Perfect. Now what's the next one there for you?\n\nChannel 1: Financial services\n\nChannel 0: Yep. So you'll have a financial services guide, and then after that, it be an OQ services guide. The financial services guide is just\n\nChannel 1: guide.\n\nChannel 0: kind\n\nChannel 1: Yep.\n\nChannel 0: of like a shorter version. Gives you all the important information. It's one of those compliance forms. But if you can skip over the OQ services guide sorry.\n\nChannel 1: Yep.\n\nChannel 0: I think I just opened the so, yeah, skip over the let me see here. The financial let's see if the work on my side. The financial services guide version four, you can skip that one. And then if you go to the OQ services guide version one, which should be straight after, where you\n\nChannel 1: Yep.\n\nChannel 0: should have a cover page where it says, like, OQ services guide. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you probably have seen a couple of these before. It is one of those compliance forms, but it did does give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an extension to the team, which is great.\n\nAnd then also a bit of an update to our marketing, had some new photos and marketing materials. But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the voice.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: Yeah. Perfect. Now if you keep scrolling through, the next one should be a ongoing service agreement. Can you see that one?\n\nChannel 1: Is that I keep scrolling through, you said?\n\nChannel 0: Yes. Yeah. If you keep scrolling through and this will be so you have access to going back and having a look or read through this in more detail when you have a bit more time as well if you would like to. So if you go to the next one, does that say hub twenty four ongoing service agreement or consent\n\nChannel 1: Consent\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: new?\n\nChannel 1: new ongoing\n\nChannel 0: Yes.\n\nChannel 1: fee arrangement.\n\nChannel 0: Yep. Perfect. So this is your ongoing service agreement. Now this one here is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure.\n\nSo that stays exactly the same at 1 0.65 from super. Nothing out of pocket, and it is not a locking contract. So if at any point in time you are not happy, there is no locking contract or no exit fee, but this just lets us service your account and manage all your investments and everything for you in the meantime.\n\nChannel 1: Awesome.\n\nChannel 0: This one here will ask for your signature if you are happy with that.\n\nChannel 1: Yep.\n\nChannel 0: And then there should be one more after that, which should be your tax file number form. Can you see that?\n\nChannel 1: Yeah. I'm just gonna sign it and put the date.\n\nChannel 0: Yep.\n\nChannel 1: So option to provide tax line number. Yep.\n\nChannel 0: Yep. So this is another one of those compliance forms that, basically, it just lets you know that we are keeping your tax number secure and safe on file. Again, if you're happy with it, it will just ask for your signature. And when\n\nChannel 1: Yep.\n\nChannel 0: you've added both of them, it should say validate, I believe.\n\nChannel 1: Mhmm.\n\nChannel 0: And when you press validate, it will then send it back to me,\n\nChannel 1: Awesome.\n\nChannel 0: and I can let the team know, and we can get all of that sorted for you.\n\nChannel 1: Done.\n\nChannel 0: Perfect. Now I will keep a lookout for this to come through. I will also get the team to email you your hub 24 new title certificate of currency. I'll get it prefilled for Sophie as well to make it easy. When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted.\n\nBut do you have any other questions for me, otherwise, before I let you go and get on with your day?\n\nChannel 1: No. That's all good. Thank\n\nChannel 0: No?\n\nChannel 1: you so much for your time.\n\nChannel 0: No problem at all. And, also, keep a lookout for the record of advice. I will probably send it through you on Monday, if that's okay, just to\n\nChannel 1: Yeah.\n\nChannel 0: show you the investment change as well.\n\nChannel 1: Awesome. Thanks so much.\n\nChannel 0: Right. No problem at all. You enjoy the rest of your day.\n\nChannel 1: You as well. Bye bye.\n\nChannel 0: Mhmm. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.019994346424937248},{"text":"Dylan speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.036710746586322784}],"sentiment":"neutral","sentiment_score":0.03113861319919427,"channel":1,"num_words":3,"start":1.1999999,"end":2.5},{"sentences":[{"text":"Good afternoon, Dylan.","start":3.12,"end":4.16,"sentiment":"positive","sentiment_score":0.3430277804533641},{"text":"This is Veronica from Oakview Financial.","start":4.16,"end":5.94,"sentiment":"neutral","sentiment_score":0.29021091759204865},{"text":"How are you?","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.23272719979286194}],"sentiment":"neutral","sentiment_score":0.28904420385758084,"channel":0,"num_words":12,"start":3.12,"end":6.8199997},{"sentences":[{"text":"Good.","start":6.96,"end":7.12,"sentiment":"positive","sentiment_score":0.5394324660301208},{"text":"Thanks.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5756165385246277},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.3192119797070821}],"sentiment":"positive","sentiment_score":0.41453698873519895,"channel":1,"num_words":5,"start":6.96,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.32,"end":8.72,"sentiment":"neutral","sentiment_score":0.3019695281982422},{"text":"Good.","start":8.72,"end":9.22,"sentiment":"positive","sentiment_score":0.5470982193946838},{"text":"I had you booked in to go over your annual review.","start":10.08,"end":12.32,"sentiment":"positive","sentiment_score":0.4447784884409471},{"text":"Is now still a good time for you?","start":12.32,"end":13.875,"sentiment":"positive","sentiment_score":0.41839098557829857}],"sentiment":"positive","sentiment_score":0.43279804786046344,"channel":0,"num_words":21,"start":8.32,"end":13.875},{"sentences":[{"text":"Yeah.","start":14.24,"end":14.559999,"sentiment":"neutral","sentiment_score":0.22593870759010315},{"text":"Absolutely.","start":14.559999,"end":15.059999,"sentiment":"positive","sentiment_score":0.3624783754348755}],"sentiment":"neutral","sentiment_score":0.2942085415124893,"channel":1,"num_words":2,"start":14.24,"end":15.059999},{"sentences":[{"text":"Yep.","start":15.635,"end":16.035,"sentiment":"neutral","sentiment_score":0.2585861384868622},{"text":"Perfect.","start":16.035,"end":16.535,"sentiment":"positive","sentiment_score":0.5041097402572632},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.155,"end":24.775,"sentiment":"neutral","sentiment_score":0.05647775710656725}],"sentiment":"neutral","sentiment_score":0.07743712370434115,"channel":0,"num_words":31,"start":15.635,"end":24.775},{"sentences":[{"text":"Yeah.","start":25.025,"end":25.345001,"sentiment":"neutral","sentiment_score":0.07478440552949905},{"text":"No problem.","start":25.345001,"end":26.085,"sentiment":"neutral","sentiment_score":0.1357666626572609}],"sentiment":"neutral","sentiment_score":0.11543924361467361,"channel":1,"num_words":3,"start":25.025,"end":26.085},{"sentences":[{"text":"Yeah.","start":26.21,"end":26.609999,"sentiment":"neutral","sentiment_score":0.1552422195672989},{"text":"Perfect.","start":26.609999,"end":27.109999,"sentiment":"neutral","sentiment_score":0.301957368850708},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":27.65,"end":36.39,"sentiment":"neutral","sentiment_score":0.09282492461704439}],"sentiment":"neutral","sentiment_score":0.10105370459231464,"channel":0,"num_words":33,"start":26.21,"end":36.39},{"sentences":[{"text":"Yeah.","start":36.75,"end":37.23,"sentiment":"neutral","sentiment_score":0.015805276110768318},{"text":"Dylan Thomas Campbell.","start":37.23,"end":38.37,"sentiment":"neutral","sentiment_score":0.008219247063000997},{"text":"Twenty sixth of the seventh nineteen ninety.","start":38.510002,"end":40.93,"sentiment":"neutral","sentiment_score":0.01328733257417168},{"text":"13 Commodore Court, Sunrise Beach 4567.","start":41.555,"end":45.495,"sentiment":"neutral","sentiment_score":0.01976649307956298}],"sentiment":"neutral","sentiment_score":0.01482784139978535,"channel":1,"num_words":17,"start":36.75,"end":45.495},{"sentences":[{"text":"Yep.","start":46.065,"end":46.464996,"sentiment":"neutral","sentiment_score":0.13184848427772522},{"text":"Perfect.","start":46.464996,"end":46.945,"sentiment":"positive","sentiment_score":0.44029155373573303},{"text":"That's exactly what I have here.","start":46.945,"end":48.464996,"sentiment":"positive","sentiment_score":0.5047085483868917},{"text":"How's your day been so far?","start":48.464996,"end":49.664997,"sentiment":"neutral","sentiment_score":0.19157064706087112},{"text":"I've been busy.","start":49.664997,"end":50.485,"sentiment":"neutral","sentiment_score":-0.06368559474746387}],"sentiment":"neutral","sentiment_score":0.2681622603798614,"channel":0,"num_words":17,"start":46.065,"end":50.485},{"sentences":[{"text":"Yeah.","start":51.475,"end":51.975,"sentiment":"neutral","sentiment_score":-0.027029776945710186},{"text":"Busy working, renovating my house.","start":52.275,"end":54.69,"sentiment":"neutral","sentiment_score":-0.015901153534650804},{"text":"So, you know","start":54.69,"end":56.31,"sentiment":"neutral","sentiment_score":0.011897474527359009}],"sentiment":"neutral","sentiment_score":-0.007871457892987464,"channel":1,"num_words":9,"start":51.475,"end":56.31},{"sentences":[{"text":"Yeah.","start":55.940002,"end":56.18,"sentiment":"neutral","sentiment_score":0.17046034336090088},{"text":"That sounds sounds pretty good.","start":56.18,"end":58.04,"sentiment":"positive","sentiment_score":0.4616513907909393}],"sentiment":"positive","sentiment_score":0.4131195495525996,"channel":0,"num_words":6,"start":55.940002,"end":58.04},{"sentences":[{"text":"yeah.","start":58.53,"end":59.03,"sentiment":"neutral","sentiment_score":0.12244110554456712}],"sentiment":"neutral","sentiment_score":0.12244110554456712,"channel":1,"num_words":1,"start":58.53,"end":59.03},{"sentences":[{"text":"Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going?","start":59.86,"end":72.315,"sentiment":"neutral","sentiment_score":0.03900379263278511}],"sentiment":"neutral","sentiment_score":0.03900379263278511,"channel":0,"num_words":54,"start":59.86,"end":72.315},{"sentences":[{"text":"Yeah.","start":73.285,"end":73.685,"sentiment":"neutral","sentiment_score":0.02076168730854988},{"text":"I'm I'm just saying yes to a review because I you guys keep asking me for one.","start":73.685,"end":78.165,"sentiment":"neutral","sentiment_score":0.014191425018532969},{"text":"So","start":78.165,"end":78.665,"sentiment":"neutral","sentiment_score":-0.01814661920070648}],"sentiment":"neutral","sentiment_score":0.012835225969626518,"channel":1,"num_words":19,"start":73.285,"end":78.665},{"sentences":[{"text":"No.","start":80.06,"end":80.299995,"sentiment":"neutral","sentiment_score":-0.07183125615119934},{"text":"That's all good.","start":80.299995,"end":81.42,"sentiment":"neutral","sentiment_score":0.10044685006141663},{"text":"It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure","start":81.42,"end":93.085,"sentiment":"neutral","sentiment_score":0.1261458434164524}],"sentiment":"neutral","sentiment_score":0.12085595726966858,"channel":0,"num_words":52,"start":80.06,"end":93.085},{"sentences":[{"text":"yep.","start":93.01,"end":93.51,"sentiment":"neutral","sentiment_score":0.07399286329746246}],"sentiment":"neutral","sentiment_score":0.07399286329746246,"channel":1,"num_words":1,"start":93.01,"end":93.51},{"sentences":[{"text":"that the advice still remains appropriate and tailored for you.","start":93.085,"end":96.625,"sentiment":"neutral","sentiment_score":0.13238033279776573}],"sentiment":"neutral","sentiment_score":0.13238033279776573,"channel":0,"num_words":10,"start":93.085,"end":96.625},{"sentences":[{"text":"Yeah.","start":96.965004,"end":97.365,"sentiment":"neutral","sentiment_score":0.08597499877214432}],"sentiment":"neutral","sentiment_score":0.08597499877214432,"channel":1,"num_words":1,"start":96.965004,"end":97.365},{"sentences":[{"text":"So I'll","start":97.085,"end":97.565,"sentiment":"neutral","sentiment_score":0.12063898891210556}],"sentiment":"neutral","sentiment_score":0.12063898891210556,"channel":0,"num_words":2,"start":97.085,"end":97.565},{"sentences":[{"text":"Cool.","start":97.365,"end":97.865,"sentiment":"neutral","sentiment_score":0.258178174495697}],"sentiment":"neutral","sentiment_score":0.258178174495697,"channel":1,"num_words":1,"start":97.365,"end":97.865},{"sentences":[{"text":"tryna make it quick for you.","start":97.565,"end":99.265,"sentiment":"neutral","sentiment_score":0.2517857030034065},{"text":"But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice.","start":99.885,"end":110.729996,"sentiment":"neutral","sentiment_score":0.053225687097596085},{"text":"So kind of bear with me as I go through this information.","start":110.78999,"end":113.45,"sentiment":"neutral","sentiment_score":0.02698996705294121},{"text":"Now personal information, I have you down here as a married with two financial dependents.","start":115.03,"end":120.39,"sentiment":"neutral","sentiment_score":0.002215180623655518},{"text":"That's still the case?","start":120.39,"end":121.53,"sentiment":"neutral","sentiment_score":0.0014724053035024554}],"sentiment":"neutral","sentiment_score":0.052073406743542126,"channel":0,"num_words":83,"start":97.565,"end":121.53},{"sentences":[{"text":"Yep.","start":121.74,"end":122.24,"sentiment":"neutral","sentiment_score":0.051866061985492706}],"sentiment":"neutral","sentiment_score":0.051866061985492706,"channel":1,"num_words":1,"start":121.74,"end":122.24},{"sentences":[{"text":"Yep.","start":122.565,"end":122.885,"sentiment":"neutral","sentiment_score":0.09987079352140428},{"text":"Perfect.","start":122.885,"end":123.385,"sentiment":"positive","sentiment_score":0.4095555543899536}],"sentiment":"neutral","sentiment_score":0.25471317395567894,"channel":0,"num_words":2,"start":122.565,"end":123.385},{"sentences":[{"text":"Later this year, there will be a third.","start":123.384995,"end":124.985,"sentiment":"neutral","sentiment_score":0.1312883384525776},{"text":"So November this year, we're 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you know what you are having 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exciting.","start":139.75,"end":141.13,"sentiment":"positive","sentiment_score":0.5747983753681183}],"sentiment":"positive","sentiment_score":0.5013004413672856,"channel":0,"num_words":7,"start":136.55,"end":141.13},{"sentences":[{"text":"Yeah.","start":142.06,"end":142.56,"sentiment":"neutral","sentiment_score":0.22363969683647156}],"sentiment":"neutral","sentiment_score":0.22363969683647156,"channel":1,"num_words":1,"start":142.06,"end":142.56},{"sentences":[{"text":"Now next step in, I have Sophie nominated.","start":144.95,"end":147.85,"sentiment":"neutral","sentiment_score":0.09564479067921638},{"text":"Phone number ending in a 002.","start":148.175,"end":150.815,"sentiment":"neutral","sentiment_score":0.04406983653704325},{"text":"That's still the case as 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now?","start":1206.7101,"end":1208.3301,"sentiment":"neutral","sentiment_score":0.01723907275923661},{"text":"Give me two secs.","start":1208.63,"end":1209.93,"sentiment":"neutral","sentiment_score":0.011648086830973625}],"sentiment":"neutral","sentiment_score":0.015205986967140978,"channel":1,"num_words":11,"start":1206.7101,"end":1209.93},{"sentences":[{"text":"Yeah.","start":1210.04,"end":1210.54,"sentiment":"neutral","sentiment_score":0.04347509890794754},{"text":"If you do have access to your 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link.","start":1222.035,"end":1228.275,"sentiment":"neutral","sentiment_score":0.046153899870420755},{"text":"It says sign now.","start":1228.275,"end":1229.815,"sentiment":"neutral","sentiment_score":0.025703822262585163}],"sentiment":"neutral","sentiment_score":0.053313444409033524,"channel":0,"num_words":46,"start":1214.28,"end":1229.815},{"sentences":[{"text":"Sign document.","start":1229.63,"end":1230.45,"sentiment":"neutral","sentiment_score":0.018897137604653835},{"text":"Yep.","start":1230.59,"end":1231.09,"sentiment":"neutral","sentiment_score":0.06287363171577454}],"sentiment":"neutral","sentiment_score":0.033555968975027405,"channel":1,"num_words":3,"start":1229.63,"end":1231.09},{"sentences":[{"text":"Yep, but it will still allow you to open up all the documents 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you.","start":1262.72,"end":1264.48,"sentiment":"neutral","sentiment_score":0.1985411395629247},{"text":"Yeah.","start":1264.48,"end":1264.7999,"sentiment":"neutral","sentiment_score":0.11186106503009796}],"sentiment":"neutral","sentiment_score":0.18444082484795496,"channel":0,"num_words":13,"start":1261.84,"end":1264.7999},{"sentences":[{"text":"Exactly.","start":1264.7999,"end":1265.2999,"sentiment":"neutral","sentiment_score":0.14053493738174438},{"text":"So you have your superannuation with Hub twenty four, and you do have a $111,394 in there.","start":1265.6,"end":1274.145,"sentiment":"neutral","sentiment_score":0.12762530148029327},{"text":"Now do you have your Hub twenty four app downloaded on your phone or anything like that?","start":1274.625,"end":1278.785,"sentiment":"neutral","sentiment_score":0.058374175692305845},{"text":"Is that something you keep an eye on every now and then or not 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either like, oh, now you can just throw them in the bush.","start":1381.66,"end":1384.46,"sentiment":"neutral","sentiment_score":-0.18448068902773015},{"text":"I don't care.","start":1384.46,"end":1384.9401,"sentiment":"neutral","sentiment_score":-0.23676759004592896},{"text":"And some people go, oh, you know, I want this and this and this and this.","start":1384.9401,"end":1387.82,"sentiment":"neutral","sentiment_score":-0.054947577184066176}],"sentiment":"neutral","sentiment_score":-0.13450591890141367,"channel":0,"num_words":40,"start":1380.7,"end":1387.82},{"sentences":[{"text":"It's such","start":1387.82,"end":1388.725,"sentiment":"neutral","sentiment_score":-0.0871078372001648}],"sentiment":"neutral","sentiment_score":-0.0871078372001648,"channel":0,"num_words":2,"start":1387.82,"end":1388.725},{"sentences":[{"text":"Don't waste the money.","start":1389.625,"end":1390.845,"sentiment":"neutral","sentiment_score":-0.31101249530911446}],"sentiment":"neutral","sentiment_score":-0.31101249530911446,"channel":1,"num_words":4,"start":1389.625,"end":1390.845},{"sentences":[{"text":"variety.","start":1390.4651,"end":1390.9651,"sentiment":"neutral","sentiment_score":-0.08903613686561584},{"text":"Now I can obviously see here that you don't have income protection or trauma insurance.","start":1392.7051,"end":1397.105,"sentiment":"neutral","sentiment_score":-0.20149976114432017},{"text":"You're still obviously happy with that?","start":1397.105,"end":1399.045,"sentiment":"neutral","sentiment_score":-0.09428914139668147}],"sentiment":"neutral","sentiment_score":-0.1671485182913867,"channel":0,"num_words":22,"start":1390.4651,"end":1399.045},{"sentences":[{"text":"Yes.","start":1401.6599,"end":1402.1599,"sentiment":"neutral","sentiment_score":-0.09515704214572906},{"text":"Actually, I've got heated trauma.","start":1402.7,"end":1404.7799,"sentiment":"neutral","sentiment_score":-0.2501407444477081},{"text":"Can I no?","start":1404.7799,"end":1405.5,"sentiment":"neutral","sentiment_score":-0.19390088816483816},{"text":"I'm kidding.","start":1405.5,"end":1406.1599,"sentiment":"neutral","sentiment_score":-0.2578008249402046}],"sentiment":"neutral","sentiment_score":-0.22210591625083576,"channel":1,"num_words":11,"start":1401.6599,"end":1406.1599},{"sentences":[{"text":"They can't cover you for preexisting stuff though.","start":1407.8401,"end":1410.0,"sentiment":"neutral","sentiment_score":-0.2794195245951414},{"text":"That's the only thing.","start":1410.0,"end":1411.14,"sentiment":"neutral","sentiment_score":-0.18213626369833946}],"sentiment":"neutral","sentiment_score":-0.24699177096287409,"channel":0,"num_words":12,"start":1407.8401,"end":1411.14},{"sentences":[{"text":"Oh, come on.","start":1410.8151,"end":1411.715,"sentiment":"neutral","sentiment_score":-0.046133317053318024},{"text":"Yes.","start":1414.5751,"end":1415.0751,"sentiment":"neutral","sentiment_score":0.006777060218155384},{"text":"That's","start":1415.4551,"end":1415.775,"sentiment":"neutral","sentiment_score":0.017323406413197517}],"sentiment":"neutral","sentiment_score":-0.022859896905720233,"channel":1,"num_words":5,"start":1410.8151,"end":1415.775},{"sentences":[{"text":"Yes.","start":1415.6951,"end":1416.015,"sentiment":"neutral","sentiment_score":0.03796229884028435}],"sentiment":"neutral","sentiment_score":0.03796229884028435,"channel":0,"num_words":1,"start":1415.6951,"end":1416.015},{"sentences":[{"text":"fine.","start":1415.775,"end":1416.275,"sentiment":"neutral","sentiment_score":0.07876003533601761}],"sentiment":"neutral","sentiment_score":0.07876003533601761,"channel":1,"num_words":1,"start":1415.775,"end":1416.275},{"sentences":[{"text":"Okay.","start":1416.015,"end":1416.515,"sentiment":"neutral","sentiment_score":0.12136721611022948},{"text":"Perfect.","start":1416.655,"end":1417.155,"sentiment":"neutral","sentiment_score":0.2636817693710327},{"text":"Now the next report that you can see on your end, which one is that?","start":1418.495,"end":1422.755,"sentiment":"neutral","sentiment_score":0.04476607764760653}],"sentiment":"neutral","sentiment_score":0.06214942059972707,"channel":0,"num_words":17,"start":1416.015,"end":1422.755},{"sentences":[{"text":"I can actually only open it just opens this one and oh, no.","start":1424.24,"end":1428.0,"sentiment":"neutral","sentiment_score":0.007048201854698933}],"sentiment":"neutral","sentiment_score":0.007048201854698933,"channel":1,"num_words":13,"start":1424.24,"end":1428.0},{"sentences":[{"text":"Can","start":1427.9501,"end":1428.1101,"sentiment":"neutral","sentiment_score":-0.002127949148416519}],"sentiment":"neutral","sentiment_score":-0.002127949148416519,"channel":0,"num_words":1,"start":1427.9501,"end":1428.1101},{"sentences":[{"text":"Wait.","start":1428.0,"end":1428.5,"sentiment":"neutral","sentiment_score":-0.00008344929665327072}],"sentiment":"neutral","sentiment_score":-0.00008344929665327072,"channel":1,"num_words":1,"start":1428.0,"end":1428.5},{"sentences":[{"text":"you scroll?","start":1428.1101,"end":1428.8501,"sentiment":"neutral","sentiment_score":-0.0018509533256292343}],"sentiment":"neutral","sentiment_score":-0.0018509533256292343,"channel":0,"num_words":2,"start":1428.1101,"end":1428.8501},{"sentences":[{"text":"Next document.","start":1428.72,"end":1429.54,"sentiment":"neutral","sentiment_score":0.0046915956772863865}],"sentiment":"neutral","sentiment_score":0.0046915956772863865,"channel":1,"num_words":2,"start":1428.72,"end":1429.54},{"sentences":[{"text":"I could","start":1429.39,"end":1429.7101,"sentiment":"neutral","sentiment_score":0.008807497564703226}],"sentiment":"neutral","sentiment_score":0.008807497564703226,"channel":0,"num_words":2,"start":1429.39,"end":1429.7101},{"sentences":[{"text":"Yep.","start":1429.6,"end":1430.1,"sentiment":"neutral","sentiment_score":0.012524649500846865}],"sentiment":"neutral","sentiment_score":0.012524649500846865,"channel":1,"num_words":1,"start":1429.6,"end":1430.1},{"sentences":[{"text":"just yes.","start":1429.7101,"end":1430.75,"sentiment":"neutral","sentiment_score":0.02015653718262911},{"text":"Yep.","start":1430.75,"end":1431.25,"sentiment":"neutral","sentiment_score":0.02908781915903091}],"sentiment":"neutral","sentiment_score":0.023133631174763043,"channel":0,"num_words":3,"start":1429.7101,"end":1431.25},{"sentences":[{"text":"Performance with I r r.","start":1430.88,"end":1432.74,"sentiment":"neutral","sentiment_score":0.031810975074768065}],"sentiment":"neutral","sentiment_score":0.031810975074768065,"channel":1,"num_words":5,"start":1430.88,"end":1432.74},{"sentences":[{"text":"Yep.","start":1433.0701,"end":1433.55,"sentiment":"neutral","sentiment_score":0.09933509677648544},{"text":"Perfect.","start":1433.55,"end":1434.05,"sentiment":"neutral","sentiment_score":0.3194141983985901},{"text":"So that one here gives you a breakdown of your portfolio over the last twelve months.","start":1434.1101,"end":1439.17,"sentiment":"neutral","sentiment_score":0.11697376635856926},{"text":"Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall.","start":1440.1101,"end":1444.7051,"sentiment":"neutral","sentiment_score":-0.039147325736634875},{"text":"We had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war.","start":1445.165,"end":1453.645,"sentiment":"neutral","sentiment_score":-0.03784804565545458}],"sentiment":"neutral","sentiment_score":0.010504521841763472,"channel":0,"num_words":61,"start":1433.0701,"end":1453.645},{"sentences":[{"text":"So we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well.","start":1453.645,"end":1463.0599,"sentiment":"neutral","sentiment_score":-0.05867717280983925},{"text":"So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment.","start":1463.0599,"end":1470.84,"sentiment":"neutral","sentiment_score":0.09000946566462517},{"text":"So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality.","start":1471.685,"end":1484.185,"sentiment":"neutral","sentiment_score":0.22033713491899626},{"text":"You can also see, like, gold have done really well, cybersecurity, global diversify equities.","start":1486.06,"end":1491.2001,"sentiment":"neutral","sentiment_score":0.23059223060097014},{"text":"But then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas.","start":1492.14,"end":1508.505,"sentiment":"neutral","sentiment_score":0.07754183560609818}],"sentiment":"neutral","sentiment_score":0.09855693527336779,"channel":0,"num_words":145,"start":1453.645,"end":1508.505},{"sentences":[{"text":"So if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that.","start":1508.505,"end":1515.95,"sentiment":"neutral","sentiment_score":0.09038249477744102},{"text":"And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market.","start":1516.09,"end":1526.1901,"sentiment":"neutral","sentiment_score":0.07947157208314713},{"text":"Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity.","start":1527.115,"end":1537.6749,"sentiment":"neutral","sentiment_score":0.09427555277943611},{"text":"Can you see that one on the form?","start":1537.6749,"end":1542.99,"sentiment":"neutral","sentiment_score":0.03725591581314802},{"text":"If not, it's okay.","start":1548.09,"end":1549.23,"sentiment":"neutral","sentiment_score":0.015857374295592308}],"sentiment":"neutral","sentiment_score":0.08029094458158527,"channel":0,"num_words":98,"start":1508.505,"end":1549.23},{"sentences":[{"text":"Yeah.","start":1551.5851,"end":1551.8251,"sentiment":"neutral","sentiment_score":0.011881623417139052},{"text":"No.","start":1551.8251,"end":1552.0651,"sentiment":"neutral","sentiment_score":-0.030762851238250732},{"text":"I can't.","start":1552.0651,"end":1552.7251,"sentiment":"neutral","sentiment_score":-0.048631345853209496}],"sentiment":"neutral","sentiment_score":-0.029035979881882668,"channel":1,"num_words":4,"start":1551.5851,"end":1552.7251},{"sentences":[{"text":"Nope.","start":1552.985,"end":1553.485,"sentiment":"neutral","sentiment_score":-0.04599051922559738}],"sentiment":"neutral","sentiment_score":-0.04599051922559738,"channel":0,"num_words":1,"start":1552.985,"end":1553.485},{"sentences":[{"text":"But","start":1553.265,"end":1553.765,"sentiment":"neutral","sentiment_score":-0.009451337158679962}],"sentiment":"neutral","sentiment_score":-0.009451337158679962,"channel":1,"num_words":1,"start":1553.265,"end":1553.765},{"sentences":[{"text":"That's okay.","start":1553.545,"end":1554.365,"sentiment":"neutral","sentiment_score":0.043168213218450546},{"text":"Especially if you're looking at your phone, it can be a little bit small.","start":1554.985,"end":1557.465,"sentiment":"neutral","sentiment_score":-0.01771714777818748},{"text":"But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great.","start":1557.465,"end":1571.9501,"sentiment":"neutral","sentiment_score":0.3151224827055227},{"text":"And it's up by about 6.1%, which is still pretty decent given what's happened in the market.","start":1571.9501,"end":1578.13,"sentiment":"positive","sentiment_score":0.612446665763855},{"text":"Now","start":1578.765,"end":1579.265,"sentiment":"neutral","sentiment_score":0.15383289754390717}],"sentiment":"neutral","sentiment_score":0.31114245912967586,"channel":0,"num_words":78,"start":1553.545,"end":1579.265},{"sentences":[{"text":"Yes.","start":1579.125,"end":1579.625,"sentiment":"neutral","sentiment_score":0.0008700803737156093}],"sentiment":"neutral","sentiment_score":0.0008700803737156093,"channel":1,"num_words":1,"start":1579.125,"end":1579.625},{"sentences":[{"text":"one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity.","start":1579.405,"end":1589.985,"sentiment":"neutral","sentiment_score":0.27376507515353815},{"text":"So we do a lot of research on investments all the time.","start":1590.78,"end":1594.0,"sentiment":"neutral","sentiment_score":0.1494002646456162},{"text":"And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed.","start":1594.4601,"end":1607.9851,"sentiment":"neutral","sentiment_score":-0.06487904954701662},{"text":"You don't always want to make changes even when things are","start":1608.3651,"end":1611.005,"sentiment":"neutral","sentiment_score":-0.11762499995529652}],"sentiment":"neutral","sentiment_score":0.06119987141381908,"channel":0,"num_words":91,"start":1579.405,"end":1611.005},{"sentences":[{"text":"Mhmm.","start":1611.0,"end":1611.5,"sentiment":"neutral","sentiment_score":-0.08255496621131897}],"sentiment":"neutral","sentiment_score":-0.08255496621131897,"channel":1,"num_words":1,"start":1611.0,"end":1611.5},{"sentences":[{"text":"down, though, because if we foresee things are coming back around, you don't wanna sell when things are down.","start":1611.005,"end":1616.305,"sentiment":"neutral","sentiment_score":-0.20028594489160337},{"text":"But at the same time, you don't","start":1616.685,"end":1617.9651,"sentiment":"neutral","sentiment_score":-0.08920968856130328}],"sentiment":"neutral","sentiment_score":-0.17038079895652258,"channel":0,"num_words":26,"start":1611.005,"end":1617.9651},{"sentences":[{"text":"Yep.","start":1617.7875,"end":1618.2875,"sentiment":"neutral","sentiment_score":-0.12833426892757416}],"sentiment":"neutral","sentiment_score":-0.12833426892757416,"channel":1,"num_words":1,"start":1617.7875,"end":1618.2875},{"sentences":[{"text":"wanna just leave things in an investment if they are a little bit slower or they have better options for you.","start":1617.9651,"end":1624.1,"sentiment":"neutral","sentiment_score":-0.21988245773883092},{"text":"So the investment committee have done a lot of research on your Benelon in investment.","start":1624.1,"end":1627.88,"sentiment":"neutral","sentiment_score":0.11028613199790319},{"text":"Now just for your reference, that is your managed funds.","start":1628.5801,"end":1632.02,"sentiment":"neutral","sentiment_score":0.1276751711964607},{"text":"So that is the purpose is to actively buy and sell different investments order to try to outperform the market.","start":1632.02,"end":1638.125,"sentiment":"neutral","sentiment_score":0.23599574938416482},{"text":"And, previously, they were doing really well with that.","start":1638.6649,"end":1642.0249,"sentiment":"neutral","sentiment_score":-0.001584992640548281}],"sentiment":"neutral","sentiment_score":0.040255495111147566,"channel":0,"num_words":75,"start":1617.9651,"end":1642.0249},{"sentences":[{"text":"But like I said, more recently, they've been a little bit slower in making their decision.","start":1642.0249,"end":1646.205,"sentiment":"neutral","sentiment_score":-0.282812284771353},{"text":"So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure.","start":1647.5449,"end":1655.43,"sentiment":"neutral","sentiment_score":-0.048247548192739485},{"text":"The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified.","start":1656.37,"end":1664.23,"sentiment":"neutral","sentiment_score":0.22333372331091336},{"text":"So the one that we have researched is your BetaShares eight two hundred as a substitute.","start":1665.2051,"end":1671.545,"sentiment":"neutral","sentiment_score":0.17576870927587152},{"text":"And,","start":1672.805,"end":1673.2051,"sentiment":"neutral","sentiment_score":0.10417579114437105}],"sentiment":"neutral","sentiment_score":0.039984117803532025,"channel":0,"num_words":86,"start":1642.0249,"end":1673.2051},{"sentences":[{"text":"Mhmm.","start":1672.9,"end":1673.4,"sentiment":"neutral","sentiment_score":0.10378335416316986}],"sentiment":"neutral","sentiment_score":0.10378335416316986,"channel":1,"num_words":1,"start":1672.9,"end":1673.4},{"sentences":[{"text":"basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX.","start":1673.2051,"end":1681.8201,"sentiment":"neutral","sentiment_score":0.12797443543014855},{"text":"So you have all the banks, Woolworths, BHP, for example.","start":1682.36,"end":1685.9601,"sentiment":"neutral","sentiment_score":0.20369130074977876},{"text":"So it's a very diversified investment.","start":1685.9601,"end":1687.9,"sentiment":"positive","sentiment_score":0.3995300680398941},{"text":"Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF.","start":1688.4401,"end":1697.875,"sentiment":"positive","sentiment_score":0.4768718019608528},{"text":"So it focuses on tracking the 200 largest companies listed in Australia.","start":1698.015,"end":1702.915,"sentiment":"neutral","sentiment_score":0.2539573597411315}],"sentiment":"neutral","sentiment_score":0.2951802979646759,"channel":0,"num_words":88,"start":1673.2051,"end":1702.915},{"sentences":[{"text":"So as the company grows and gets bigger, it gets into the 200.","start":1703.375,"end":1706.915,"sentiment":"neutral","sentiment_score":0.17339821847585532},{"text":"As something gets smaller, you then kind of force out.","start":1706.9751,"end":1709.7,"sentiment":"neutral","sentiment_score":-0.19870513379573823},{"text":"So it's not that same kind of active buying and selling as your Benelong investment.","start":1709.94,"end":1715.1399,"sentiment":"neutral","sentiment_score":-0.1732847938934962},{"text":"Does that make sense?","start":1715.1399,"end":1716.2,"sentiment":"neutral","sentiment_score":-0.027260178700089455}],"sentiment":"neutral","sentiment_score":-0.058123502880334854,"channel":0,"num_words":42,"start":1703.375,"end":1716.2},{"sentences":[{"text":"Yeah.","start":1716.305,"end":1716.545,"sentiment":"neutral","sentiment_score":0.15920785069465637},{"text":"Absolutely.","start":1716.545,"end":1717.045,"sentiment":"positive","sentiment_score":0.385972261428833}],"sentiment":"neutral","sentiment_score":0.2725900560617447,"channel":1,"num_words":2,"start":1716.305,"end":1717.045},{"sentences":[{"text":"Yep.","start":1717.62,"end":1718.1,"sentiment":"positive","sentiment_score":0.3358161449432373},{"text":"Perfect.","start":1718.1,"end":1718.6,"sentiment":"positive","sentiment_score":0.6401017904281616},{"text":"And, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you.","start":1719.0599,"end":1728.245,"sentiment":"positive","sentiment_score":0.35085825704865986},{"text":"So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you.","start":1728.4651,"end":1736.3251,"sentiment":"positive","sentiment_score":0.5524912705788245},{"text":"Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy","start":1736.48,"end":1743.92,"sentiment":"neutral","sentiment_score":0.31551700504496694}],"sentiment":"positive","sentiment_score":0.3965430456834535,"channel":0,"num_words":96,"start":1717.62,"end":1743.92},{"sentences":[{"text":"Yeah.","start":1743.8949,"end":1744.375,"sentiment":"neutral","sentiment_score":0.2921788692474365}],"sentiment":"neutral","sentiment_score":0.2921788692474365,"channel":1,"num_words":1,"start":1743.8949,"end":1744.375},{"sentences":[{"text":"with 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you?","start":1858.02,"end":1860.52,"sentiment":"neutral","sentiment_score":0.1136258915066719}],"sentiment":"neutral","sentiment_score":0.19136519188230688,"channel":0,"num_words":11,"start":1855.4601,"end":1860.52},{"sentences":[{"text":"Financial services","start":1862.77,"end":1864.265,"sentiment":"neutral","sentiment_score":0.02908767480403185}],"sentiment":"neutral","sentiment_score":0.02908767480403185,"channel":1,"num_words":2,"start":1862.77,"end":1864.265},{"sentences":[{"text":"Yep.","start":1865.54,"end":1866.04,"sentiment":"neutral","sentiment_score":0.05276128277182579},{"text":"So you'll have a financial services guide, and then after that, it be an OQ services guide.","start":1866.3401,"end":1872.655,"sentiment":"neutral","sentiment_score":0.07842287070610944},{"text":"The financial services guide is 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version.","start":1875.755,"end":1877.775,"sentiment":"neutral","sentiment_score":0.0434841725975275},{"text":"Gives you all the important information.","start":1878.715,"end":1880.3151,"sentiment":"neutral","sentiment_score":0.11885090296467145},{"text":"It's one of those compliance forms.","start":1880.3151,"end":1881.915,"sentiment":"neutral","sentiment_score":0.06326047703623772},{"text":"But if you can skip over the OQ services guide sorry.","start":1881.915,"end":1886.23,"sentiment":"neutral","sentiment_score":0.0010875539684837515}],"sentiment":"neutral","sentiment_score":0.04721615130880049,"channel":0,"num_words":28,"start":1875.755,"end":1886.23},{"sentences":[{"text":"Yep.","start":1885.98,"end":1886.48,"sentiment":"neutral","sentiment_score":0.030607514083385468}],"sentiment":"neutral","sentiment_score":0.030607514083385468,"channel":1,"num_words":1,"start":1885.98,"end":1886.48},{"sentences":[{"text":"I think I just opened the so, yeah, skip over the let me see 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you.","start":1917.11,"end":1924.17,"sentiment":"neutral","sentiment_score":0.23246407570938268},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is great.","start":1924.725,"end":1930.745,"sentiment":"neutral","sentiment_score":0.309876816258544}],"sentiment":"neutral","sentiment_score":0.24109370653566561,"channel":0,"num_words":57,"start":1912.63,"end":1930.745},{"sentences":[{"text":"And then also a bit of an update to our marketing, had some new photos and marketing materials.","start":1930.965,"end":1936.025,"sentiment":"neutral","sentiment_score":0.1787753299706512},{"text":"But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the 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me,","start":2071.625,"end":2075.48,"sentiment":"neutral","sentiment_score":0.20465242289579832}],"sentiment":"neutral","sentiment_score":0.20465242289579832,"channel":0,"num_words":13,"start":2071.625,"end":2075.48},{"sentences":[{"text":"Awesome.","start":2075.2876,"end":2075.7876,"sentiment":"positive","sentiment_score":0.4530031085014343}],"sentiment":"positive","sentiment_score":0.4530031085014343,"channel":1,"num_words":1,"start":2075.2876,"end":2075.7876},{"sentences":[{"text":"and I can let the team know, and we can get all of that sorted for you.","start":2075.48,"end":2080.1401,"sentiment":"positive","sentiment_score":0.367975140319151}],"sentiment":"positive","sentiment_score":0.367975140319151,"channel":0,"num_words":17,"start":2075.48,"end":2080.1401},{"sentences":[{"text":"Done.","start":2081.855,"end":2082.355,"sentiment":"neutral","sentiment_score":0.32285934686660767}],"sentiment":"neutral","sentiment_score":0.32285934686660767,"channel":1,"num_words":1,"start":2081.855,"end":2082.355},{"sentences":[{"text":"Perfect.","start":2082.36,"end":2082.86,"sentiment":"positive","sentiment_score":0.4832592010498047},{"text":"Now I will keep a lookout for this to come through.","start":2083.08,"end":2085.56,"sentiment":"neutral","sentiment_score":0.3054958527738398},{"text":"I will also get the team to email you your hub 24 new title certificate of currency.","start":2085.56,"end":2091.325,"sentiment":"neutral","sentiment_score":0.3210044117534862},{"text":"I'll get it prefilled for Sophie as well to make it easy.","start":2091.325,"end":2094.545,"sentiment":"positive","sentiment_score":0.4215814347068469},{"text":"When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted.","start":2094.845,"end":2101.26,"sentiment":"neutral","sentiment_score":0.3016373406235988}],"sentiment":"neutral","sentiment_score":0.331378159015926,"channel":0,"num_words":67,"start":2082.36,"end":2101.26},{"sentences":[{"text":"But do you have any other questions for me, otherwise, before I let you go and get on with your day?","start":2101.26,"end":2106.1602,"sentiment":"neutral","sentiment_score":0.0465980354873907}],"sentiment":"neutral","sentiment_score":0.0465980354873907,"channel":0,"num_words":21,"start":2101.26,"end":2106.1602},{"sentences":[{"text":"No.","start":2107.12,"end":2107.52,"sentiment":"neutral","sentiment_score":-0.22802790999412537},{"text":"That's all good.","start":2107.52,"end":2108.2402,"sentiment":"neutral","sentiment_score":0.24154104789098105},{"text":"Thank","start":2108.2402,"end":2108.4802,"sentiment":"positive","sentiment_score":0.5122089982032776}],"sentiment":"neutral","sentiment_score":0.20176084637641906,"channel":1,"num_words":5,"start":2107.12,"end":2108.4802},{"sentences":[{"text":"No?","start":2108.3,"end":2108.8,"sentiment":"neutral","sentiment_score":0.16100922226905823}],"sentiment":"neutral","sentiment_score":0.16100922226905823,"channel":0,"num_words":1,"start":2108.3,"end":2108.8},{"sentences":[{"text":"you so much for your time.","start":2108.4802,"end":2109.86,"sentiment":"positive","sentiment_score":0.5795669356981913}],"sentiment":"positive","sentiment_score":0.5795669356981913,"channel":1,"num_words":6,"start":2108.4802,"end":2109.86},{"sentences":[{"text":"No problem at all.","start":2110.22,"end":2111.1,"sentiment":"positive","sentiment_score":0.40757568925619125},{"text":"And, also, keep a lookout for the record of advice.","start":2111.1,"end":2114.3052,"sentiment":"neutral","sentiment_score":0.26598226130008695},{"text":"I will probably send it through you on Monday, if that's okay, just to","start":2114.3052,"end":2119.345,"sentiment":"neutral","sentiment_score":0.19163780845701694}],"sentiment":"neutral","sentiment_score":0.24903766744370973,"channel":0,"num_words":28,"start":2110.22,"end":2119.345},{"sentences":[{"text":"Yeah.","start":2119.2751,"end":2119.7751,"sentiment":"neutral","sentiment_score":0.10373091697692872}],"sentiment":"neutral","sentiment_score":0.10373091697692872,"channel":1,"num_words":1,"start":2119.2751,"end":2119.7751},{"sentences":[{"text":"show you the investment change as well.","start":2119.345,"end":2121.585,"sentiment":"neutral","sentiment_score":0.30077665618487764}],"sentiment":"neutral","sentiment_score":0.30077665618487764,"channel":0,"num_words":7,"start":2119.345,"end":2121.585},{"sentences":[{"text":"Awesome.","start":2122.175,"end":2122.675,"sentiment":"positive","sentiment_score":0.8247173428535461},{"text":"Thanks so much.","start":2122.815,"end":2123.875,"sentiment":"positive","sentiment_score":0.8328371246655782}],"sentiment":"positive","sentiment_score":0.8308071792125702,"channel":1,"num_words":4,"start":2122.175,"end":2123.875},{"sentences":[{"text":"Right.","start":2123.505,"end":2124.005,"sentiment":"positive","sentiment_score":0.6030117273330688},{"text":"No problem at all.","start":2124.145,"end":2125.025,"sentiment":"positive","sentiment_score":0.6715322732925415},{"text":"You enjoy the rest of your day.","start":2125.025,"end":2126.565,"sentiment":"positive","sentiment_score":0.7875032935823713}],"sentiment":"positive","sentiment_score":0.7334719896316528,"channel":0,"num_words":12,"start":2123.505,"end":2126.565},{"sentences":[{"text":"You as well.","start":2126.495,"end":2127.375,"sentiment":"positive","sentiment_score":0.5109393894672394},{"text":"Bye bye.","start":2127.375,"end":2128.115,"sentiment":"neutral","sentiment_score":0.2680201902985573}],"sentiment":"positive","sentiment_score":0.4137717097997665,"channel":1,"num_words":5,"start":2126.495,"end":2128.115},{"sentences":[{"text":"Mhmm.","start":2127.7449,"end":2128.065,"sentiment":"neutral","sentiment_score":0.1096632033586502},{"text":"Thanks.","start":2128.065,"end":2128.565,"sentiment":"positive","sentiment_score":0.5374516844749451},{"text":"Bye.","start":2128.625,"end":2129.125,"sentiment":"neutral","sentiment_score":-0.10832282155752182}],"sentiment":"neutral","sentiment_score":0.17959735542535782,"channel":0,"num_words":3,"start":2127.7449,"end":2129.125}]},"summary":{"result":"success","short":"Representatives from Oakview Financial discuss the customer's annual review, including personal information and health and lifestyle issues. They emphasize the importance of private health insurance for future financial years and provide resources for completing a tax return. The speaker emphasizes the importance of having private health insurance for tax purposes and provides advice on completing a tax return and regular check-ins. They also discuss the importance of staying in a place until a decision is made and recommend diversifying investments. The agent provides guidance on compliance forms and tax file number forms for the customer's account and promises to keep an eye out for their tax file number certificate."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":79,"end_word":110,"intents":[{"intent":"Confirm identity","confidence_score":0.6757544},{"intent":"Verify identity","confidence_score":0.004076734}]},{"text":"Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going? Yeah.","start_word":160,"end_word":214,"intents":[{"intent":"Address concerns","confidence_score":0.012517656},{"intent":"Discuss concerns","confidence_score":0.0010122276}]},{"text":"So I'll Cool. tryna make it quick for you. But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this information.","start_word":297,"end_word":363,"intents":[{"intent":"Provide updated information","confidence_score":0.00050806446}]},{"text":"And you guys are obviously financially okay, in a good position. Income, you don't need anything. I'll be taking a dividend from my my company. So I'll be Okay.","start_word":503,"end_word":531,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.0012051385}]},{"text":"Asset wise, otherwise, I have here that your property was lost by at about 2,000,000. Is that still the case?","start_word":721,"end_word":740,"intents":[{"intent":"Inquire about property loss","confidence_score":0.037966393}]},{"text":"Oh, beautiful. That's nice.","start_word":790,"end_word":793,"intents":[{"intent":"Express gratitude","confidence_score":0.024803348}]},{"text":"And with do you know how much she has left, Ruffland, do you think you guys have finished? Was that okay?","start_word":794,"end_word":814,"intents":[{"intent":"Update property information","confidence_score":0.010882137},{"intent":"Confirm financial status","confidence_score":0.0008493377}]},{"text":"Perfect. I'll update that. And I do also have here that your investment for the distillery is about 125,000. Yes. Yep.","start_word":916,"end_word":936,"intents":[{"intent":"Offer to update investment","confidence_score":0.00003894614}]},{"text":"And when it comes to your health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yeah.","start_word":982,"end_word":1005,"intents":[{"intent":"Express belief in nonsmoker status","confidence_score":0.000059114886}]},{"text":"How much is this?","start_word":1098,"end_word":1101,"intents":[{"intent":"Address healthcare costs","confidence_score":0.002109178}]},{"text":"It could be. Sorry.","start_word":1383,"end_word":1386,"intents":[{"intent":"Provide information about private health insurance","confidence_score":0.00088004634}]},{"text":"But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well. So you might be just fine if her income is a bit lower. Just something to be mindful of.","start_word":1727,"end_word":1771,"intents":[{"intent":"Inform about financial costs","confidence_score":0.000070064045}]},{"text":"just print Print them that. out. Sign it.","start_word":2114,"end_word":2121,"intents":[{"intent":"Print forms","confidence_score":0.07927672}]},{"text":"to go to a justice of peace?","start_word":2127,"end_word":2133,"intents":[{"intent":"Attend justice of peace","confidence_score":0.014818021}]},{"text":"Anyone Anyone can can witness witness it. as long Yeah.","start_word":2140,"end_word":2149,"intents":[{"intent":"Witness witness","confidence_score":0.561083}]},{"text":"The witnesses are using that the same, like a blue pen, for example, or a black.","start_word":2196,"end_word":2211,"intents":[{"intent":"Confirm form usage","confidence_score":0.1472009}]},{"text":"So you have a binding or a nonbinding option.","start_word":2250,"end_word":2258,"intents":[{"intent":"Discuss binding","confidence_score":0.000602709}]},{"text":"You know which one you would like? Yeah.","start_word":2324,"end_word":2331,"intents":[{"intent":"Confirm form choice","confidence_score":0.004282576}]},{"text":"Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing. And I do wanna just triple check that I have your wife's name spelled correctly. So I have s o p h I e, Yep. first name. Yeah. And then c o b u r n, last name. No.","start_word":2390,"end_word":2449,"intents":[{"intent":"Provide confirmation","confidence_score":0.0033318046}]},{"text":"So I have s o p h I e, Yep. first name. Yeah.","start_word":2426,"end_word":2438,"intents":[{"intent":"Spell wife's name","confidence_score":0.0026194986}]},{"text":"She's I'll just legally update my because dependent I haven't or whatever been that is. Yeah. yeah.","start_word":2527,"end_word":2543,"intents":[{"intent":"Update dependent","confidence_score":0.02610113}]},{"text":"And date, obviously, spouses, which is still perfectly fine. But just Yep. for legality, I'll just change Yep. to spouse. Thank you for that.","start_word":2545,"end_word":2568,"intents":[{"intent":"Confirm spouse's right to change","confidence_score":8.781069e-7}]},{"text":"Do you guys have a planned wedding or not really in their vicinity right now with the family situation? Yeah.","start_word":2569,"end_word":2588,"intents":[{"intent":"Confirm wedding date","confidence_score":0.0026898973}]},{"text":"It'll it'll come one day. It was on the plan four years ago, and then, you know, we had a child, and then we had a Life. second. Now we got a third on the way, and then we got a renovating a house. And Yeah. I reckon I'll Yep. get No. to 40 before we'll get married.","start_word":2589,"end_word":2646,"intents":[{"intent":"Confirm marriage date","confidence_score":0.014889797}]},{"text":"whether she's a spouse or, like, a wife for these purposes, it doesn't matter. It's still your spouse. So no changes Awesome.","start_word":2669,"end_word":2690,"intents":[{"intent":"Confirm spouse","confidence_score":0.07266305}]},{"text":"Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months.","start_word":2693,"end_word":2730,"intents":[{"intent":"Conclude annual review","confidence_score":0.005349761}]},{"text":"Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months. Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage. Is that still kind of the goals otherwise? Yeah.","start_word":2693,"end_word":2770,"intents":[{"intent":"Confirm primary focus","confidence_score":0.00027411204}]},{"text":"my mortgage has gone up because Yep. I redrew a little bit. But yeah.","start_word":2776,"end_word":2789,"intents":[{"intent":"Reduce mortgage costs","confidence_score":0.00019357634}]},{"text":"You can retire, but you cannot access your super. You can't access super until 60. So however you Yeah.","start_word":3125,"end_word":3143,"intents":[{"intent":"Access super super","confidence_score":0.16120917}]},{"text":"You can retire, but you cannot access your super. You can't access super until 60. So however you Yeah. fund your lifestyle until Yeah. then, by all means, you can fully retire. Superannuation with the current legislation, you can't access till 60. Right? Until then, it's locked in, and you can retire and live life however you want until Yeah.","start_word":3125,"end_word":3184,"intents":[{"intent":"Assist with superannuation access","confidence_score":0.0010506093}]},{"text":"So I have actually sent you an email with some documents. Did that one come through okay? Did you send it through just now? Give me two secs. Yeah. If you do have access to your email. Yeah. Perfect.","start_word":3193,"end_word":3231,"intents":[{"intent":"Open email","confidence_score":0.0000032725734}]},{"text":"Now do you have your Hub twenty four app downloaded on your phone or anything like that?","start_word":3347,"end_word":3363,"intents":[{"intent":"Download app","confidence_score":0.080496415}]},{"text":"I'll double check on it. Nope.","start_word":3379,"end_word":3384,"intents":[{"intent":"Check superannuation","confidence_score":0.0047841286}]},{"text":"Now insurance wise, you have life and TPD, the total permanent disability insurance with.","start_word":3480,"end_word":3493,"intents":[{"intent":"Obtain insurance coverage","confidence_score":0.01950036}]},{"text":"Now I can obviously see here that you don't have income protection or trauma insurance. You're still obviously happy with that? Yes.","start_word":3718,"end_word":3739,"intents":[{"intent":"Analyze insurance coverage","confidence_score":0.0016161647}]},{"text":"So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment.","start_word":3902,"end_word":3926,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.5092149}]},{"text":"one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity. So we do a lot of research on investments all the time. And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed.","start_word":4206,"end_word":4285,"intents":[{"intent":"Promote investments","confidence_score":0.0076773255}]},{"text":"Now you may have seen something like this before, and Vanguard does update this every year. So every financial year, they publish a new one, which is really good. But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move.","start_word":4811,"end_word":4871,"intents":[{"intent":"Update market information","confidence_score":0.0010699024}]},{"text":"So if you go to the next one, does that say hub twenty four ongoing service agreement or consent Consent to to new?","start_word":5374,"end_word":5396,"intents":[{"intent":"Share service agreement details","confidence_score":0.0047206464}]}]},"sentiments":{"segments":[{"text":"Hello? Dylan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.031643204391002655},{"text":"Good afternoon, Dylan.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.34181877970695496},{"text":"This is Veronica from Oakview Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2684069573879242},{"text":"Good. Thanks.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.5575245022773743},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.3180846869945526},{"text":"Good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":21,"end_word":40,"sentiment":"positive","sentiment_score":0.4364747405052185},{"text":"Yeah.","start_word":41,"end_word":41,"sentiment":"neutral","sentiment_score":0.22593870759010315},{"text":"Absolutely.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.3624783754348755},{"text":"Yep.","start_word":43,"end_word":43,"sentiment":"neutral","sentiment_score":0.2585861384868622},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.5041097402572632},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. No problem. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yeah. Dylan Thomas Campbell. Twenty sixth of the seventh nineteen ninety. 13 Commodore Court, Sunrise Beach 4567. Yep.","start_word":45,"end_word":127,"sentiment":"neutral","sentiment_score":0.0686396062374115},{"text":"Perfect. That's exactly what I have here.","start_word":128,"end_word":134,"sentiment":"positive","sentiment_score":0.48146140575408936},{"text":"How's your day been so far? I've been busy. Yeah. Busy working, renovating my house. So, you know Yeah.","start_word":135,"end_word":153,"sentiment":"neutral","sentiment_score":0.04751601442694664},{"text":"That sounds sounds pretty good.","start_word":154,"end_word":158,"sentiment":"positive","sentiment_score":0.4508434236049652},{"text":"yeah. Now, Dylan, before I do jump into it, I do like to start by asking you, if there is anything specific you were hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up to see how everything's going? Yeah. I'm I'm just saying yes to a review because I you guys keep asking me for one. So No. That's all good. It is a good time to kind of just for your awareness, just do a bit of a check-in to see where things are at, but it also allows us the opportunity to see if there's anything major that has changed in your life just to make sure yep. that the advice still remains appropriate and tailored for you. Yeah. So I'll Cool. tryna make it quick for you. But what I will go through first is just a bit of an updated fact find just to see if there is anything, like I said, that I have changed in your life or if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this information. Now personal information, I have you down here as a married with two financial dependents. That's still the case? Yep. Yep.","start_word":159,"end_word":384,"sentiment":"neutral","sentiment_score":0.06888854640445351},{"text":"Perfect.","start_word":385,"end_word":385,"sentiment":"positive","sentiment_score":0.4095555543899536},{"text":"Later this year, there will be a third. So November this year, we're expecting again. Oh.","start_word":386,"end_word":401,"sentiment":"neutral","sentiment_score":0.12760084867477417},{"text":"Oh, well, congratulations. That's really Thanks. exciting.","start_word":402,"end_word":408,"sentiment":"positive","sentiment_score":0.6026161313056946},{"text":"Yeah. Yeah. Do you know what you are having yet? No. It'll No. be Keeping a surprise. it a surprise? Yeah.","start_word":409,"end_word":429,"sentiment":"neutral","sentiment_score":0.00551861897110939},{"text":"Oh, that's nice. Oh, that's really exciting.","start_word":430,"end_word":436,"sentiment":"positive","sentiment_score":0.5016376972198486},{"text":"Yeah. Now next step in, I have Sophie nominated. Phone number ending in a 002. That's still the case as well? Yep. Yep. Perfect. And employment wise, are you still doing the distillery management, or has any of that changed? Yes. Still there. Only for one more month, sir. Okay. And what are you doing after that? We'll be taking a year off. Oh, nice. Yeah. And you guys are obviously financially okay, in a good position. Income, you don't need anything. I'll be taking a dividend from my my company. So I'll be Okay. yeah. We will I mean, yes. We'll be Perfect.","start_word":437,"end_word":540,"sentiment":"neutral","sentiment_score":0.09278064966201782},{"text":"That's good. We'll fine.","start_word":541,"end_word":544,"sentiment":"positive","sentiment_score":0.445444792509079},{"text":"be really helpful, obviously, with the new baby as well on the way, so that's Yes.","start_word":545,"end_word":560,"sentiment":"neutral","sentiment_score":0.32091546058654785},{"text":"very exciting.","start_word":561,"end_word":562,"sentiment":"positive","sentiment_score":0.4663226008415222},{"text":"Yeah. Now at the moment, though, so for the next month, I have here that your basically income was around $1.30 for the year. Yep. Would that be the case? Obviously, you would then in a month, it will go into next financial year, but for this financial year, was around Yeah. that $1.30? Yep. Okay. Yep. Perfect. On my yeah. That's what I take as a salary from Seabourn, and then I pay Mhmm. myself I will top that up to $1.80 from Okay. my business. Yep. Okay. Perfect. And in terms of contributions from super, would that then be just the 12% of the one thirtieth and not the top up amount that you Yep. contribute? Yep. Okay. Yep.","start_word":563,"end_word":683,"sentiment":"neutral","sentiment_score":0.0286491047590971},{"text":"Perfect.","start_word":684,"end_word":684,"sentiment":"positive","sentiment_score":0.5225480794906616},{"text":"And while you are off, are you planning on making any contributions or just kind of leaving things for the year and then Just reassess? leaving things for the Yep. year. Yep. No. That's all good. Asset wise, otherwise, I have here that your property was lost by at about 2,000,000. Is that still the case? Or do you know if that went up a little bit? I mean, if you came by right now, no. It's it at that. But at the end of the renovation, yeah, it will I'll have to wait and see, but probably closer to that 2.8 to $3,000,000 mark.","start_word":685,"end_word":789,"sentiment":"neutral","sentiment_score":-0.0693260058760643},{"text":"Oh, beautiful. That's nice.","start_word":790,"end_word":793,"sentiment":"positive","sentiment_score":0.5505722165107727},{"text":"And with do you know how much she has left, Ruffland, do you think you guys have finished? Was that okay? Two months, eight more weeks. Oh, yeah. Oh, that's not not too bad. Mortgage, I have about $3.70. Yeah. That has gone up a touch. That is at 500. 500. Perfect. Now I also have here two cars, one scooter, and four e bikes combined Yep. value at about 169. Does that sound about right? Yep. Yep. And I do have here that in total about 65 owing. It just says for all of our I imagine the car potentially. No. There's The nothing car. else. Okay. Nothing owing on the ebike or the scooter or either cars? No. No. Okay. Perfect. I'll update that. And I do also have here that your investment for the distillery is about 125,000. Yes. Yep. Around that. Okay. And that you also had about 860,000 in savings. That has come down to 500. Mhmm. About 500. Okay. Perfect. Any other new assets or liabilities in the last twelve months that we haven't gone over? No. Nothing substantial. No? Okay. Perfect. And when it comes to your health and lifestyle, I have you down here as a nonsmoker. That's still the case as well? Yeah. Yep. Perfect. And do you have any significant health issues or injuries or any changes in the last twelve months? Nice. No. Beautiful. And do you have private health insurance? No. Obviously, for the next financial year, if you have the the time off, might not be too applicable. But, otherwise, just something to be mindful of as well with if you do earn about a 180,000 is the medical levy surcharge if you do not have private health insurance with hospital cover. I'm not sure if you're aware of that. No. How much is this? No. Sorry. It is for sorry. It is a tax that they put on high income earners if you do not have private health insurance with hospital cover. So for have you do you do your tax So returns horseshit. yourself? Yep. No. I had someone else do him. I remember him saying, oh, you should get private health, and Okay. I was like, Okay. yeah. I don't need it. But Yeah. it's It is just something to be mindful More of. tax. Yep. Yes. It is one of those situation that most people are like, oh, I don't wanna have to pay private health insurance. Ultimately, it's completely up to you. I just flag it from a just look at the the money side of it because sometimes depending on where you're at, obviously, It with will your actually save income. you. Yep. Correct. Sometimes, it will save you money by having private health insurance. Yeah. You feel like you're paying for something if you might not use it, but if you don't pay the tax, you're better off. Sometimes, it's similar. Sometimes, it's a little bit more with private health, obviously, depending on where your income is at. Yep. But, obviously, for the next financial year, if you're not depending on how much you're actually kind of paying yourself from it, just something to be mindful of and maybe check with your accountant as well for when you do things for the next financial year just to check-in. Mhmm. Yeah. Just Okay. a little So, just a like, little next flag. year, I've gotta take between 3 and $500,000 dividend. Is that better Mhmm. off having private health insurance? It could be. Sorry. Okay. It would be dependent on what the private health insurance because we don't do private health insurance. So it would depend on how much they would obviously charge you. It could be a $100 a month to a 100 a a month depending on, obviously, which provider you're going with and, obviously, health Yep. and age and stuff like that. So I would say the way to do it is even just jump online and do, like, private health insurance comparisons. There's heaps of those sites. Just tuck in your details, and it will give you a rough idea of Mhmm. how much it will cost. And Yes. then when you go to your accountant to do your tax return for this financial year as well, he can then give you the exact figures when you have everything put together with how much you had to pay for the medical levy surcharge, and Yes. then you can kind of work out what would be better for you. Okay. Yeah. Cool. And it also factors in, like, family thresholds as well. So it does depend on, like, your your partner as well. But, again, he would or he or she, your accountant, would be able to kind of figure that out. But do you know, is your partner currently working? No. No. Oh, I yes. She is. I'm Yes. Okay. so Do sorry. you know I should know that. She does work from home. It's a couple hours a week. no. That's all good. She Do works you know for me. rough? That's why I might know. She doesn't work. Technically, on paper. Yep. Now do Yes. you know how much she gets paid or what she gets out currently? Yeah. I think it's only it's about $14 a year. Okay. You might be fine then, but check with your accountant because, basically, from a family threshold, it has to be over 200 and 2,000 through for you to pay the medical levy surcharge. So Okay. have a look. But then also for, like, dependent child and stuff like that, there are some that it increases by about 1,500 for each dependent child as well. So you might be just fine if her income is a bit lower. Just something to be mindful of. And, yeah, just flag it with your accountant. And and like I said, I would just run run the Yeah. quotes Cool. online to see how much it would cost for private Yep. health. And then when you go to him, you can be like, oh, was I just under or, obviously, for the next twelve months might not be applicable, but after that, Yep. where where Cool. are we sitting at? Just so you do have that knowledge as well.","start_word":794,"end_word":1851,"sentiment":"neutral","sentiment_score":0.008574317080903594},{"text":"Thank you.","start_word":1852,"end_word":1853,"sentiment":"positive","sentiment_score":0.4868093132972718},{"text":"Yep.","start_word":1854,"end_word":1854,"sentiment":"neutral","sentiment_score":0.2276751697063446},{"text":"Perfect.","start_word":1855,"end_word":1855,"sentiment":"positive","sentiment_score":0.38384830951690674},{"text":"No. That's all good. Otherwise, when it comes to estate planning, do you guys have a will in place or power of attorney or guardianship or anything like that? No. It's No? not. I no. I can't. That's okay. No. That's all good. Most people say the same. It's like, no. No. It's not a to do list. With your super insurances, though, because super insurances does not form part of the estate, so you can have separate nominations directly for that. So at the moment, we don't have a nomination for either your super or your insurances. So if something ever were to happen to you, who do you want to receive your super and insurances? Sophie. Sophie. Okay. Sorry. Yep.","start_word":1856,"end_word":1977,"sentiment":"neutral","sentiment_score":-0.03250645846128464},{"text":"The good thing for her being your spouse is that she would receive everything tax free.","start_word":1978,"end_word":1993,"sentiment":"positive","sentiment_score":0.4595683515071869},{"text":"Okay.","start_word":1994,"end_word":1994,"sentiment":"neutral","sentiment_score":0.33128100633621216},{"text":"Cool.","start_word":1995,"end_word":1995,"sentiment":"positive","sentiment_score":0.36229076981544495},{"text":"Now in order to make the nomination, because it is make making a legal nomination, I will have to get the team to send you out the form for you to complete it. Yep. Send you can just complete it a 100% through Sophie and then send it back. Now they do have to be wet signed and witnessed because you are making a legal nomination. Do you have access Yep. to a print printer at all? Yep. Okay. So what I can do to make it easy for you is I can get the team to just email you the form. That way, you do have it in your inbox, and when you have a moment, Yeah. just print Print them that. out. Sign it. Yeah. Do I have Correct. to go to a justice of peace? No. Anyone can sign it. Sorry. Anyone Anyone can can witness witness it. as long Yeah. as it's not Sophie. Yeah. Cool. So she can't witness that herself. Yeah. It has to be two different people, and they have to do it at the same time.","start_word":1996,"end_word":2179,"sentiment":"neutral","sentiment_score":0.10773691409469946},{"text":"They get quite pedantic if you use, like, different pens, so just be mindful of that.","start_word":2180,"end_word":2195,"sentiment":"negative","sentiment_score":-0.37640947103500366},{"text":"The witnesses are using that the same, like a blue pen, for example, or a black. Well, It's not different. okay. Yeah. Yep. Just to make sure it's all done because it is that legal nomination. Now with the forms as well, there are also two different types of nominations, which can be confusing. So you have a binding or a nonbinding option. So binding basically means that the trustee, so your super insurance, are bound to follow your wishes. So that gives you the most amount of certainty. Nonbinding basically means that this is your wishes, but then, ultimately, it is up to the trustee to make up to their discretion if they feel that there's someone else more suitable for it. So it's not as certain. You know which one you would like? Yeah.","start_word":2196,"end_word":2331,"sentiment":"neutral","sentiment_score":-0.020498771220445633},{"text":"That's awesome.","start_word":2332,"end_word":2333,"sentiment":"positive","sentiment_score":0.4465777575969696},{"text":"Yeah. Okay. So binding. And you also have lapsing or non lapsing. So lapsing means that it expires every three years, and you have to redo the forms. Non lapsing means it stays in place until you decide to change it. Yes. Would Stay in you place until prefer I change that one? it. Okay. Yep. Now I can get these forms prefilled for you to make it easy so I can choose the binding non lapsing. And I do wanna just triple check that I have your wife's name spelled correctly. So I have s o p h I e, Yep. first name. Yeah. And then c o b u r n, last name. No. No. C o c k No? b C k. u r n. Okay. Perfect. So c o c k Yep. b u r n. Yep. Yeah. Okay.","start_word":2334,"end_word":2476,"sentiment":"neutral","sentiment_score":0.09134666553952477},{"text":"Perfect. I'm glad I checked that.","start_word":2477,"end_word":2482,"sentiment":"positive","sentiment_score":0.4563004970550537},{"text":"Yeah. Sorry. Just I didn't on there get that. as well. She is she Yeah. would be my she'd like obviously, we have last names. We're not well, she isn't my wife. We are engaged, but Okay. she is not legally my wife. Okay. She's I'll just legally update my because dependent I haven't or whatever been that is. Yeah. yeah. Sorry. And date, obviously, spouses, which is still perfectly fine. But just Yep. for legality, I'll just change Yep. to spouse.","start_word":2483,"end_word":2564,"sentiment":"neutral","sentiment_score":-0.01725367270410061},{"text":"Thank you for that.","start_word":2565,"end_word":2568,"sentiment":"positive","sentiment_score":0.5404382348060608},{"text":"Do you guys have a planned wedding or not really in their vicinity right now with the family situation? Yeah. It'll it'll come one day. It was on the plan four years ago, and then, you know, we had a child, and then we had a Life. second. Now we got a third on the way, and then we got a renovating a house. And Yeah. I reckon I'll Yep. get No. to 40 before we'll get married. That's all good. Life definitely gets in the way. She's still your spouse. Sorry. Sorry. It doesn't matter for for Yeah. Exactly. whether she's a spouse or, like, a wife for these purposes, it doesn't matter. It's still your spouse. So no changes Awesome. with that. Now, otherwise, when it comes to goals, it is good to also check-in during annual review to see, okay, well, how did things go the last twelve months and what you are focusing on the next twelve months. Obviously, for you, there's a bit going on in the next twelve months, but I have here that your main focus was through renovate, continue to chip away at the mortgage. Is that still kind of the goals otherwise? Yeah. It is. Obviously, Yep. my mortgage has gone up because Yep. I redrew a little bit. But yeah. After No. renovations. Rent yeah. Renovation was a big one, and that's Yep. underway.","start_word":2569,"end_word":2802,"sentiment":"neutral","sentiment_score":0.011580640633200478},{"text":"So that was that was definitely what we wanted to do.","start_word":2803,"end_word":2813,"sentiment":"positive","sentiment_score":0.34387362003326416},{"text":"We finally got Yep. that Yep. happening. Yep. Yeah.","start_word":2814,"end_word":2822,"sentiment":"neutral","sentiment_score":0.12381637841463088},{"text":"Chip away at the mortgage.","start_word":2823,"end_word":2827,"sentiment":"negative","sentiment_score":-0.34819167852401733},{"text":"Just keep yeah. We probably won't chip away as fast as we intended because we've just continued to spend more on the house, but Yep. at least that asset has has gone up. And now that I'm taking a year off, I will, you know, still just chip away slowly at the at the mortgage. Yep. No worries.","start_word":2828,"end_word":2885,"sentiment":"neutral","sentiment_score":-0.20805086195468905},{"text":"That is good.","start_word":2886,"end_word":2888,"sentiment":"positive","sentiment_score":0.3713655173778534},{"text":"Now, otherwise, when it comes to your superannuation, just to kind of check-in to see if your risk tolerance or anything has changed, Now how your superannuation is currently invested is in a growth portfolio. Do you remember what it means to be a growth investor at all there, Dylan?","start_word":2889,"end_word":2938,"sentiment":"neutral","sentiment_score":-0.0035550922621041536},{"text":"Risky as fuck.","start_word":2939,"end_word":2941,"sentiment":"negative","sentiment_score":-0.3892180621623993},{"text":"It's it's actually somewhere in the middle. So Okay. for for your reference, obviously, we we tailor things a lot. But from the scale of things, Yep. we typically have your aggressive plus, which this is your what you would refer to for a very from the point that you're actually borrowing money to the different gearing and stuff like that. So that's your aggressive plus option. You Yes. have your aggressive portfolio, which, again, you see about a 100% of the investment in your growth investments and not really having any defensive. You have your high growth options, so looking more about a ninety ten split. And then you have your growth. So this is where you are at currently. You then have, like, a balance, growth balance, and defensive under that. So, obviously, more defensive. So it's still very much focusing on growing your superannuation because you do still have plenty of time until retirement, but it is not your, Excuse me? you know, max max risk. What did you I'm retiring on June 30.","start_word":2942,"end_word":3118,"sentiment":"neutral","sentiment_score":0.08954031765460968},{"text":"Thank you very much.","start_word":3119,"end_word":3122,"sentiment":"positive","sentiment_score":0.4864896833896637},{"text":"Okay. You can retire, but you cannot access your super. You can't access super until 60. So however you Yeah. fund your lifestyle until Yeah. then, by all means, you can fully retire. Superannuation with the current legislation, you can't access till 60. Right? Until then, it's locked in, and you can retire and live life however you want until Yeah. So how much is in my super? then. Yeah. So I have actually sent you an email with some documents. Did that one come through okay? Did you send it through just now? Give me two secs. Yeah. If you do have access to your email. Yeah.","start_word":3123,"end_word":3230,"sentiment":"neutral","sentiment_score":0.016276972704670496},{"text":"Perfect.","start_word":3231,"end_word":3231,"sentiment":"positive","sentiment_score":0.4045836925506592},{"text":"Yep. Now we have recently changed the software, so it might look a little bit different to what you have been used to before. But if you can click on the email for me, and you should still say click on the link. It says sign now. Sign document. Yep. Yep, but it will still allow you to open up all the documents before It's Yeah. So a 111,000? Yeah. So are you in the one where it says super and insurance summary? Yep. Yep. Okay. Perfect. Let me just open that one up for you. Yeah. Exactly. So you have your superannuation with Hub twenty four, and you do have a $111,394 in there. Now do you have your Hub twenty four app downloaded on your phone or anything like that? Is that something you keep an eye on every now and then or not really? I'll double check on it. Nope. That's alright.","start_word":3232,"end_word":3386,"sentiment":"neutral","sentiment_score":0.07169486582279205},{"text":"They do have a pretty cool app as well.","start_word":3387,"end_word":3395,"sentiment":"positive","sentiment_score":0.47698554396629333},{"text":"I use Hub 24 for my personal super as well. They can be a little bit harder to navigate because it's quite a little sophisticated platform to start with, but it is really good with there's a lot of different reporting, some features if it is something that you are, you know, interested in. It's just like an app on Play Store or Apple that you can just download Okay. on your phone as well. Yeah. But, Cool. yeah, otherwise, that is your super. Now insurance wise, you have life and TPD, the total permanent disability insurance with. And at the moment, you are covered for $830,025. You because you get paid, have a structured within hub twenty four, you do get a 15% tax rebate.","start_word":3396,"end_word":3521,"sentiment":"neutral","sentiment_score":0.2131156557136112},{"text":"So the total premium for both of them is $707. Now are you still happy with that level of cover for life and TPD if something were to happen to you?","start_word":3522,"end_word":3552,"sentiment":"positive","sentiment_score":0.3971671760082245},{"text":"Because, obviously, you've had a bit of a change with property, but then also the baby on the way. Are you still happy in with that level of cover for you? Yeah. Yep. Covers any It debts would that I have and then Correct. I'll be debt free and have a house to live Still in. leave a bit of Yeah. And still leave a bit of extra. If something were to happen, if you needed any medical expenses or anything like that, but then your super is also paid on top of that as well. Yeah. Cool. Throw me in the ocean. See you later. Yep. Don't It's spend so a single funny. dollar on that stuff. Sorry. It's so funny. So so many people are either like, oh, now you can just throw them in the bush. I don't care. And some people go, oh, you know, I want this and this and this and this. It's such Don't waste the money. variety. Now I can obviously see here that you don't have income protection or trauma insurance. You're still obviously happy with that? Yes. Actually, I've got heated trauma. Can I no? I'm kidding. They can't cover you for preexisting stuff though. That's the only thing. Oh, come on. Yes. That's Yes. fine. Okay. Perfect. Now the next report that you can see on your end, which one is that? I can actually only open it just opens this one and oh, no. Can Wait. you scroll? Next document. I could Yep. just yes. Yep. Performance with I r r. Yep. Perfect. So that one here gives you a breakdown of your portfolio over the last twelve months. Now the last twelve months have obviously seen quite a bit of fluctuation in the market overall. We had, obviously, everything in The US with Trump and tariffs and everything seeing a bit of fluctuation, and, obviously, more recently, everything with the war. So we have seen quite a bit of fluctuations in the market, and it's been quite of a mixed performance across the markets as well. So on the report here, you can see all your individual investments, how they have performed, and how much you have allocated to each investment. So you can see that, basically, the strongest performance was in your global market, particularly The US equity, also some of the emerging markets and the Australian quality. You can also see, like, gold have done really well, cybersecurity, global diversify equities. But then at the same time, you have obviously seen some areas performing not as good, which is kind of also to be expected, which is the way that we design your portfolio is we wanna make sure it's very diversified, and you do have, you know, a little bit in different areas. So if there is a situation where things are a bit of a mixed market, then some investment will continue to kind of support that. And then other areas are your more kind of fluctuating investments that can give you that good amount of growth, but it can also fluctuate depending on what is going on in the market. Now with your investments as well, there is one particular investment I would like to look at swapping for you, and that is your Benelong Australian Equity. Can you see that one on the form? If not, it's okay. Yeah. No. I can't. Nope. But That's okay. Especially if you're looking at your phone, it can be a little bit small. But, essentially, still overall, even though we have seen, like I said, quite a mixed market and a bit of fluctuation after fees, So after all fees have been taken out of your portfolio, the last twelve months are still positive, which is great.","start_word":3553,"end_word":4185,"sentiment":"neutral","sentiment_score":0.04630433244845502},{"text":"And it's up by about 6.1%, which is still pretty decent given what's happened in the market.","start_word":4186,"end_word":4202,"sentiment":"positive","sentiment_score":0.6151686906814575},{"text":"Now Yes. one investment that, I said we do wanna look at changing, which will help smooth things out moving forward for you as well, is your Benelon Australian equity. So we do a lot of research on investments all the time. And if we foresee that there is one investment that's not going to be the best option for you moving forward and is underperforming a little bit, then we also want you to be active on making changes when needed. You don't always want to make changes even when things are Mhmm. down, though, because if we foresee things are coming back around, you don't wanna sell when things are down. But at the same time, you don't Yep. wanna just leave things in an investment if they are a little bit slower or they have better options for you. So the investment committee have done a lot of research on your Benelon in investment. Now just for your reference, that is your managed funds. So that is the purpose is to actively buy and sell different investments order to try to outperform the market. And, previously, they were doing really well with that. But like I said, more recently, they've been a little bit slower in making their decision. So we've done a lot of research of founding a or finding a substitute through it that would still give you the Australian equity exposure. The rest of your investments are more focused globally as well, and we still wanna make sure that we give you some Australian investments to keep things diversified. So the one that we have researched is your BetaShares eight two hundred as a substitute. And, Mhmm. basically, for your reference, I'm not sure if you've heard of it, but it is pretty straightforward in the invest in the 200 largest companies listed on the ASX. So you have all the banks, Woolworths, BHP, for example.","start_word":4203,"end_word":4524,"sentiment":"neutral","sentiment_score":0.03460125134598394},{"text":"So it's a very diversified investment. Now it is a bit cheaper than the Benelung investment as well, which will help support your super and retirement because the way that that one works is your your ETF.","start_word":4525,"end_word":4561,"sentiment":"positive","sentiment_score":0.4506262242794037},{"text":"So it focuses on tracking the 200 largest companies listed in Australia. So as the company grows and gets bigger, it gets into the 200. As something gets smaller, you then kind of force out. So it's not that same kind of active buying and selling as your Benelong investment. Does that make sense? Yeah.","start_word":4562,"end_word":4616,"sentiment":"neutral","sentiment_score":0.01902119815349579},{"text":"Absolutely. Yep. Perfect. And, essentially, we were, like I said, wanting to look at a substitute that was a little bit cheaper, but then performance wise, is a little bit more stable and a little bit better for you. So if you are happy for us to make that one investment switch for you, I can get a record of advice drawn up for you.","start_word":4617,"end_word":4681,"sentiment":"positive","sentiment_score":0.4272844195365906},{"text":"Now you don't need to sign it or anything like that, but it's just for your reference to outline that we have made that one investment switch for you if you're happy Yeah. with that.","start_word":4682,"end_word":4716,"sentiment":"neutral","sentiment_score":0.3090750575065613},{"text":"Absolutely.","start_word":4717,"end_word":4717,"sentiment":"positive","sentiment_score":0.34937167167663574},{"text":"Yep. Yep.","start_word":4718,"end_word":4719,"sentiment":"neutral","sentiment_score":0.2662757337093353},{"text":"Great. Perfect.","start_word":4720,"end_word":4721,"sentiment":"positive","sentiment_score":0.59723299741745},{"text":"Now going back to your growth portfolio as well. So if you can see what's the next attachment there for you? Certificate of currency. Okay. So you can skip that one for now. You can have a look at that in your own team. But, essentially, it just breaks down your tile insurances in more detail, but just let you know that's all paid and up to date. Yep. And what's the next one? Yep. 2025 Vanguard index chart. Yes. If you can open that one for me. Yep. Now you may have seen something like this before, and Vanguard does update this every year. So every financial year, they publish a new one, which is really good. But it does give you a good kind of overview looking more long term on the market, especially when we are talking about superannuation of what has happened and how things move. So you can see that this dates back to 1995 and then through up all the ups and downs of the market through 2025. Now this also breaks down the different asset classes. So for your growth portfolio, we have that eighty twenty split. So 80% is in your growth assets, which on the chart here is your top four. So The US shares, Australian shares, international shares, and listed property, these are your growth investments. Now you can see here that these are the ones that grow the most, which is ultimately going to give you that growth for superannuation, but they also fluctuate the most. And that's why it's making sure that we have enough time in the market. And you then have about 20% in defensive. So these are, like, your bottom three. Gold can also come into this category, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate as much either. Does that all Mhmm. make sense? Yep. Yep.","start_word":4722,"end_word":5043,"sentiment":"neutral","sentiment_score":0.15640587873340395},{"text":"Great. Perfect.","start_word":5044,"end_word":5045,"sentiment":"positive","sentiment_score":0.517758846282959},{"text":"Now what's the next one there for you? Financial services Yep. So you'll have a financial services guide, and then after that, it be an OQ services guide. The financial services guide is just guide. kind Yep. of like a shorter version. Gives you all the important information. It's one of those compliance forms. But if you can skip over the OQ services guide sorry. Yep. I think I just opened the so, yeah, skip over the let me see here. The financial let's see if the work on my side. The financial services guide version four, you can skip that one. And then if you go to the OQ services guide version one, which should be straight after, where you Yep. should have a cover page where it says, like, OQ services guide. Can you see that? Yep. Yep. Perfect. Now you probably have seen a couple of these before. It is one of those compliance forms, but it did does give you all the important information regarding us here at Oakview for you. None of the important information has changed, but we've had a bit of an extension to the team, which is great. And then also a bit of an update to our marketing, had some new photos and marketing materials. But as you scroll through, if you do wanna put a face to the voice, if you scroll through to page 10, You should see myself there if you do wanna put a a face to the voice.","start_word":5046,"end_word":5297,"sentiment":"neutral","sentiment_score":0.1093110591173172},{"text":"Awesome. Thank you.","start_word":5298,"end_word":5300,"sentiment":"positive","sentiment_score":0.5437688231468201},{"text":"Yeah.","start_word":5301,"end_word":5301,"sentiment":"neutral","sentiment_score":0.31585991382598877},{"text":"Perfect.","start_word":5302,"end_word":5302,"sentiment":"positive","sentiment_score":0.39299553632736206},{"text":"Now if you keep scrolling through, the next one should be a ongoing service agreement. Can you see that one? Is that I keep scrolling through, you said? Yes. Yeah. If you keep scrolling through and this will be so you have access to going back and having a look or read through this in more detail when you have a bit more time as well if you would like to. So if you go to the next one, does that say hub twenty four ongoing service agreement or consent Consent to to new? new ongoing Yes. fee arrangement. Yep.","start_word":5303,"end_word":5402,"sentiment":"neutral","sentiment_score":0.09211083240807055},{"text":"Perfect. So this is your ongoing service agreement. Now this one here is just to say that you are happy to stay on as a client.","start_word":5403,"end_word":5428,"sentiment":"positive","sentiment_score":0.5668452978134155},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start_word":5429,"end_word":5440,"sentiment":"neutral","sentiment_score":0.20780080556869507},{"text":"So that stays exactly the same at 1 0.65 from super.","start_word":5441,"end_word":5451,"sentiment":"positive","sentiment_score":0.47276440262794495},{"text":"Nothing out of pocket, and it is not a locking contract. So if at any point in time you are not happy, there is no locking contract or no exit fee, but this just lets us service your account and manage all your investments and everything for you in the meantime.","start_word":5452,"end_word":5502,"sentiment":"neutral","sentiment_score":0.24609890580177307},{"text":"Awesome.","start_word":5503,"end_word":5503,"sentiment":"positive","sentiment_score":0.6039373278617859},{"text":"This one here will ask for your signature if you are happy with that. Yep. And then there should be one more after that, which should be your tax file number form. Can you see that? Yeah. I'm just gonna sign it and put the date. Yep. So option to provide tax line number. Yep. Yep. So this is another one of those compliance forms that, basically, it just lets you know that we are keeping your tax number secure and safe on file. Again, if you're happy with it, it will just ask for your signature. And when Yep. you've added both of them, it should say validate, I believe. Mhmm. And when you press validate, it will then send it back to me, Awesome.","start_word":5504,"end_word":5629,"sentiment":"neutral","sentiment_score":0.1958446204662323},{"text":"and I can let the team know, and we can get all of that sorted for you.","start_word":5630,"end_word":5646,"sentiment":"positive","sentiment_score":0.3615622818470001},{"text":"Done.","start_word":5647,"end_word":5647,"sentiment":"neutral","sentiment_score":0.32285934686660767},{"text":"Perfect.","start_word":5648,"end_word":5648,"sentiment":"positive","sentiment_score":0.4832592010498047},{"text":"Now I will keep a lookout for this to come through. I will also get the team to email you your hub 24 new title certificate of currency.","start_word":5649,"end_word":5676,"sentiment":"neutral","sentiment_score":0.3152347803115845},{"text":"I'll get it prefilled for Sophie as well to make it easy.","start_word":5677,"end_word":5688,"sentiment":"positive","sentiment_score":0.4158317744731903},{"text":"When you have a moment, have a look through them and just complete them and send them back, and we can get all of that sorted. But do you have any other questions for me, otherwise, before I let you go and get on with your day? No. That's all good. Thank No?","start_word":5689,"end_word":5741,"sentiment":"neutral","sentiment_score":0.1894647549345808},{"text":"you so much for your time. No problem at all.","start_word":5742,"end_word":5751,"sentiment":"positive","sentiment_score":0.5106796026229858},{"text":"And, also, keep a lookout for the record of advice. I will probably send it through you on Monday, if that's okay, just to Yeah. show you the investment change as well.","start_word":5752,"end_word":5783,"sentiment":"neutral","sentiment_score":0.2268224060535431},{"text":"Awesome. Thanks so much. Right. No problem at all. You enjoy the rest of your day. You as well.","start_word":5784,"end_word":5802,"sentiment":"positive","sentiment_score":0.7142668962478638},{"text":"Bye bye. Mhmm.","start_word":5803,"end_word":5805,"sentiment":"neutral","sentiment_score":0.19985267519950867},{"text":"Thanks.","start_word":5806,"end_word":5806,"sentiment":"positive","sentiment_score":0.5374516844749451},{"text":"Bye.","start_word":5807,"end_word":5807,"sentiment":"neutral","sentiment_score":0.31146240234375}],"average":{"sentiment":"neutral","sentiment_score":0.08390322834783415}}}}