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Do you still have time, or would you like me to reschedule for a more suitable time? Probably about half an hour or so. Yeah? Okay. I'll tryna be a bit quick for you. And 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Perfect. That's exactly what I have here. Now just before I do kind of jump into the under review, and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review? Yeah. Yeah. Yeah. Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David. I know you spoke to my colleague a couple of months ago. Some recent information should be up to date, so I'll try to make it quick for you. Of course. Yeah. Potentially. So there there are restrictions. So you can access Uber under something that's called financial hardship. Now in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks. So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks, And you need to take some money out of Super. So, obviously, cover expenses and stuff like that. Usually, it bills and expenses in arrears. So if it is that you cannot meet the repayment, there are some ways you can access that under financial hardship. What I can do for you is I can put it all in an email for you if you would like. That way you have the information if anything were to happen, and you can also kind of see there what the criteria is. Would that be helpful? Yeah? Okay. Yeah. Yeah. Yeah. Yeah. And it is a good question. Hopefully, it doesn't come to it. But if it is that you do lose your job and you you struggle, just give me a call, and I'll I'll see where where you are, and we can then kind of talk further about it. Yep. No. That's okay. Otherwise, your personal information, I have you here in relationship and no financial dependence. Is that correct? Perfect. Next up, Kim, I have Annette listed. Is that still the case? Yep. Perfect. At the moment, has anything changed with your occupation? Are you still working as the truck driver for the time being? Yep. Perfect. Income, I have here of around a 156,000. Yep. Perfect. And your employer, they just pay that standard 12% contribution, and you are not making any additional contribution in to suit, are you? No. Yep. Now assets and liabilities, I'll go through what I have here, and you just let me know if anything has changed to make it quicker. I have a huge side of around a 150,000 with about a 142 owing. Yep. Yep. Savings account, about 19,000. Yep. Perfect. Okay. So about 29. Do you also have the old car loan at about 44,000? Okay. Okay. Yeah. Okay. That is yeah. Okay. No. Perfect. That's okay. Any other new assets in the last twelve months there, David? That's perfect. Health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Perfect. Oh, no. That's okay. Any changes in your health in the last twelve months? Like, any illnesses or diagnosis or injuries or anything? No. Perfect. Estate planning wise, I do have here you have a will in place. Your beneficiaries will do so. So in the event that something happens to you, I have 50% to Caitlin and 50% to Wyatt. Is that still the case? Perfect. Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super. I'll try to make it short for you. Just let me know whatever feels the most appropriate for you, and there's no right or wrong answer. Now have you ever bought direct shares? Look on the stock market. No. Perfect. At the moment, when do you think you would like to retire and draw an income from your super for retirement? Are you planning around 60, 65, 67? Yep. Okay. Perfect. Otherwise, when it comes to taking on risk for superannuation, are you willing to accept very high risk, high moderate, or a small amount of risk in order to make sure that you stay on top of the rising prices and and everything, thinking about your superannuation only? Yeah. Yeah. And you still feel kind of about moderate, willing to take some risk, but not max? Yep. Yeah. Yeah. I will I will give you a bit of an update on that as well. Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset? So that means then you are selling when the prices have already dropped. Okay. No. That's okay. Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped. Or would you be kind of a bit more neutral, just kinda wait and see what happens? Yeah. Or do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already? That's okay. If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going on. Yeah. Are you okay with that? Yeah. So a bit more property wise. We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it. I'm more than happy to do that and see if we need to, you know, make make any changes as well. Because, obviously, the last twelve months have been a lot of fluctuations in the market. That's a lot that's happened. First, you obviously had The US and Trump and tariffs and everything. We did see a bit of fluctuation. And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market. The last twelve months have been a bit more turbulent. So it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you. And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay. Well, the way things are going, if there's no changes, where would you be at 65? You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at? Would you be happy for me to to do that for you? Yeah. Yeah. So yeah. And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth. So I will do it on the back end. I don't have to keep you on the phone for it. But, basically, I would like to go into your super in a bit more detail. So I have actually just sent you an email. If you're a bit busy, I can let you have a read over that in your own time. If you then have any questions, you can always let me know. I will quickly just run through the most important thing. But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David. Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long term. Now when we are looking at the how much money is invested in the different areas, we see 80% in net yields, so that will be your share and stuff. So you will have your international shares and also property and then also Australian shares. And that's what's going to grow your super the most, but also fluctuate a little bit. And then we have 20% in defensive, and that will be, like, your cash, your gold, your fixed interest to limit fluctuations a little bit. Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive? Would you like to look at decreasing it a little bit one step down, or where are you thinking? Yep. Yep. We can definitely do that. Yeah. Yep. Yes. Exactly. And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on. We see we want to allow ideally six years until retirement. So if you are thinking about, you know, sixty five roughly, then being in a growth portfolio from a time point of view is still suitable for you. Perfect. Now the last thing I do run over is just those documents I have sent through there, David. So when you have a moment, have a read over them. Any questions, let me know. Otherwise, if you don't have any questions, I will just need you to sign those documents. That will send it through to me. I'll get that all loaded in the back end for you, and I'll also get working on this research. So when you do have a look at these documents, you will see through financial services side. Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time. You we will also have a bit of a super and insurance summary. Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account. Now with your Host Plus, that was, obviously kept a little bit of money in there for your insurances. And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you. So what I will get the team to do is do you have access to a printer at all, David, or no? You do? Okay. So what I'm going to do is I will get the team to email that to you. We'll just need you to print it off, sign it, and send it back. I will send that off to host plus, and that just allows me to do more research on the account. Because you obviously have contributions going into host plus, so we wanna make sure that we have the most amount of money in the fund that's going to give you the most growth. So whether that be moving some to hub twenty four or host plus, I would like to do a bit more research just to make sure that we have the most amount of money in the fund that's going to grow for you. But I would just need that TPA return so that I can get updated information. And I would also get like to get a bit more on the insurances because what I have is a little bit updated. But last time we did the research, you had your life and total permanent disability insurance still in there of about 240,000. And you also have a bit of an income protection as well, which is about 2,500 a month. It all comes out from host plus, and premium was around 1,478. But, again, I'd like to just get updated research for you, and I will go through all of that when I do have the statement of advice for you to show you how much how much is in there when I've kind of gone through that. Does that make sense? Yeah. Okay. I'm sorry to hear that. Yeah. Yeah. Yeah. Yeah. Yeah. Who said that? Was that Host Plus, or was it someone from you? Yeah. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Because it does seem unusual. So if anything ever happens, just call me because we can then liaise with host plus. I'm trying to do the forms to make that easier for you because it's a very stressful time, and the last thing you wanna have to do is deal with the insurance and super fund side of it. Now because it is kind of your your group cover, they can be a little bit trickier. Group cover doesn't mean that you didn't apply for it, so it's not as tailored as some other options. But it's still a good cover, and it's a little bit cheaper. And if you do have a little bit of a riskier occupation, which the insurer for you, unfortunately, being a truck driver would say that it is a little bit riskier, which is why we we kept the cover at the time. So I will check on that income protection for you. Now it is correct that sometimes the insurers will ask you first to use sick leave or annual leave. But savings, no. I've never heard some because that's, like well, that's your but that could be used for other things. So what if you're saving that for your children or, like, that seems very unusual that they will get you to use your savings. That doesn't seem right to me. Annual leave and sick leave, yes, there are some insurers that will get you to do that first, but not saving. I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do. Was it about three years ago, did you say? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. Yeah. Which is the income protection is meant to be for if you can't let yes. You do have a sixty day waiting period, but for them to asking you to use your savings, that doesn't seem right. So I will once I get the TPA back so, yeah, I'll get the team to try to email that to you today. And if you can do that as soon as you get a chance, David, the sooner I can get information on this. And I will see if I can find out a bit more in regards to that. Because if you ever need to make a claim again, hopefully, you don't ever have to. If they're gonna do the same thing, then, like, exactly what you said, well, what is the point paying for something if they're not gonna pay it out? Yeah. So I will investigate a little bit more for you. And then next time we catch up, I'll see if I can find out a bit more in regards to it. And like I said, if anything ever would have happened to happen in the future, hopefully, never does, just call me because I will then tryna see if we can call host plus and do some of that for you to alleviate the stress because they make it difficult. Whereas we I argue with them all the time with different super funds and insurance. So it's easier for us to tryna assist you in that way. That's also what we are here to do if something ever were to happen. So leave it with me. I will check with host plan. And then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need to use your savings. That that doesn't seem right. So leave that with me, David. I will find that out. Now the last couple of documents you will see, there is a performance report showing your individual investment. Now, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement. So I will do a bit more in-depth in your investments. I'll also see if there are some that's not performing well that we wanna potentially swap out. So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update. And then the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement. And that is just basically to say that you are happy to stay on as a client. The advice fee is not changing. It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract. So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in contract. Yeah. Now, David, do you have any questions before I let you go otherwise today? Mhmm. Yes. Yes. Yes. So I've just sent you an email. It will be like a digital link. You can just find that online. Easy. Now the other email for the TPS for you to sign will come from my colleague, Whitlam. You will cc me in the email, and it's usually that it's just one paper. It's just one document to print and sign and send back, but I'll get him to outline it in the email for you. Yeah. That would be great. Yep. Perfect. I'll get him to send it to you this morning, especially if you are going back to work this afternoon, and we'll get that underway. Otherwise, as soon as I hear back from host plus and I've done the research and everything for you, I will give you a call and run through everything. Now it could take a couple of weeks depending on host plus and how quickly they get the information to me. So leave it with me. I'll give you a call as soon as I have all the information. But if you need anything in the meantime, David, just give me a call. Okay? Mhmm. Yes. Yep. Yeah. Yes. Rent and everything and house prices, everything is going through the roof. So I'll definitely factor that in through the portfolio and see if there are some options that are looking good that we can we can change that out for you. So I'll do the research and then kind of present you with the recommendation, and then we can always take it from there. No problem at all. Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day. Mhmm. Thank you. 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morning. This is Veronica from Financial. I have David looking for his annual review. Is he around or a bit busy? Hello, miss David?\n\nNo. It's okay. Do you still have time, or would you like me to reschedule for a more suitable time? Probably about half an hour or so. Yeah?\n\nOkay. I'll tryna be a bit quick for you. And 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYeah. Perfect. That's exactly what I have here. Now just before I do kind of jump into the under review, and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review? Yeah.\n\nYeah. Yeah. Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David. I know you spoke to my colleague a couple of months ago. Some recent information should be up to date, so I'll try to make it quick for you.\n\nOf course. Yeah. Potentially. So there there are restrictions. So you can access Uber under something that's called financial hardship.\n\nNow in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks. So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks, And you need to take some money out of Super. So, obviously, cover expenses and stuff like that. Usually, it bills and expenses in arrears. So if it is that you cannot meet the repayment, there are some ways you can access that under financial hardship.\n\nWhat I can do for you is I can put it all in an email for you if you would like. That way you have the information if anything were to happen, and you can also kind of see there what the criteria is. Would that be helpful? Yeah? Okay.\n\nYeah. Yeah. Yeah. Yeah. And it is a good question.\n\nHopefully, it doesn't come to it. But if it is that you do lose your job and you you struggle, just give me a call, and I'll I'll see where where you are, and we can then kind of talk further about it. Yep. No. That's okay.\n\nOtherwise, your personal information, I have you here in relationship and no financial dependence. Is that correct? Perfect. Next up, Kim, I have Annette listed. Is that still the case?\n\nYep. Perfect. At the moment, has anything changed with your occupation? Are you still working as the truck driver for the time being? Yep.\n\nPerfect. Income, I have here of around a 156,000. Yep. Perfect. And your employer, they just pay that standard 12% contribution, and you are not making any additional contribution in to suit, are you?\n\nNo. Yep. Now assets and liabilities, I'll go through what I have here, and you just let me know if anything has changed to make it quicker. I have a huge side of around a 150,000 with about a 142 owing. Yep.\n\nYep. Savings account, about 19,000. Yep. Perfect. Okay.\n\nSo about 29. Do you also have the old car loan at about 44,000? Okay. Okay. Yeah.\n\nOkay. That is yeah. Okay. No. Perfect.\n\nThat's okay. Any other new assets in the last twelve months there, David? That's perfect. Health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nPerfect. Oh, no. That's okay. Any changes in your health in the last twelve months? Like, any illnesses or diagnosis or injuries or anything?\n\nNo. Perfect. Estate planning wise, I do have here you have a will in place. Your beneficiaries will do so. So in the event that something happens to you, I have 50% to Caitlin and 50% to Wyatt.\n\nIs that still the case? Perfect. Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super. I'll try to make it short for you. Just let me know whatever feels the most appropriate for you, and there's no right or wrong answer.\n\nNow have you ever bought direct shares? Look on the stock market. No. Perfect. At the moment, when do you think you would like to retire and draw an income from your super for retirement?\n\nAre you planning around 60, 65, 67? Yep. Okay. Perfect. Otherwise, when it comes to taking on risk for superannuation, are you willing to accept very high risk, high moderate, or a small amount of risk in order to make sure that you stay on top of the rising prices and and everything, thinking about your superannuation only?\n\nYeah. Yeah. And you still feel kind of about moderate, willing to take some risk, but not max? Yep. Yeah.\n\nYeah. I will I will give you a bit of an update on that as well. Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset? So that means then you are selling when the prices have already dropped. Okay.\n\nNo. That's okay. Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped. Or would you be kind of a bit more neutral, just kinda wait and see what happens? Yeah.\n\nOr do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already? That's okay. If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going on. Yeah. Are you okay with that?\n\nYeah. So a bit more property wise. We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it. I'm more than happy to do that and see if we need to, you know, make make any changes as well. Because, obviously, the last twelve months have been a lot of fluctuations in the market.\n\nThat's a lot that's happened. First, you obviously had The US and Trump and tariffs and everything. We did see a bit of fluctuation. And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market. The last twelve months have been a bit more turbulent.\n\nSo it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you. And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay. Well, the way things are going, if there's no changes, where would you be at 65? You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at? Would you be happy for me to to do that for you?\n\nYeah. Yeah. So yeah. And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth. So I will do it on the back end.\n\nI don't have to keep you on the phone for it. But, basically, I would like to go into your super in a bit more detail. So I have actually just sent you an email. If you're a bit busy, I can let you have a read over that in your own time. If you then have any questions, you can always let me know.\n\nI will quickly just run through the most important thing. But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David. Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long term. Now when we are looking at the how much money is invested in the different areas, we see 80% in net yields, so that will be your share and stuff. So you will have your international shares and also property and then also Australian shares.\n\nAnd that's what's going to grow your super the most, but also fluctuate a little bit. And then we have 20% in defensive, and that will be, like, your cash, your gold, your fixed interest to limit fluctuations a little bit. Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive? Would you like to look at decreasing it a little bit one step down, or where are you thinking? Yep.\n\nYep. We can definitely do that. Yeah. Yep. Yes.\n\nExactly. And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on. We see we want to allow ideally six years until retirement. So if you are thinking about, you know, sixty five roughly, then being in a growth portfolio from a time point of view is still suitable for you. Perfect.\n\nNow the last thing I do run over is just those documents I have sent through there, David. So when you have a moment, have a read over them. Any questions, let me know. Otherwise, if you don't have any questions, I will just need you to sign those documents. That will send it through to me.\n\nI'll get that all loaded in the back end for you, and I'll also get working on this research. So when you do have a look at these documents, you will see through financial services side. Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time. You we will also have a bit of a super and insurance summary. Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account.\n\nNow with your Host Plus, that was, obviously kept a little bit of money in there for your insurances. And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you. So what I will get the team to do is do you have access to a printer at all, David, or no? You do? Okay.\n\nSo what I'm going to do is I will get the team to email that to you. We'll just need you to print it off, sign it, and send it back. I will send that off to host plus, and that just allows me to do more research on the account. Because you obviously have contributions going into host plus, so we wanna make sure that we have the most amount of money in the fund that's going to give you the most growth. So whether that be moving some to hub twenty four or host plus, I would like to do a bit more research just to make sure that we have the most amount of money in the fund that's going to grow for you.\n\nBut I would just need that TPA return so that I can get updated information. And I would also get like to get a bit more on the insurances because what I have is a little bit updated. But last time we did the research, you had your life and total permanent disability insurance still in there of about 240,000. And you also have a bit of an income protection as well, which is about 2,500 a month. It all comes out from host plus, and premium was around 1,478.\n\nBut, again, I'd like to just get updated research for you, and I will go through all of that when I do have the statement of advice for you to show you how much how much is in there when I've kind of gone through that. Does that make sense? Yeah. Okay. I'm sorry to hear that.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWho said that? Was that Host Plus, or was it someone from you? Yeah. Yeah. Okay.\n\nYeah. Yeah. Okay. Yeah. Because it does seem unusual.\n\nSo if anything ever happens, just call me because we can then liaise with host plus. I'm trying to do the forms to make that easier for you because it's a very stressful time, and the last thing you wanna have to do is deal with the insurance and super fund side of it. Now because it is kind of your your group cover, they can be a little bit trickier. Group cover doesn't mean that you didn't apply for it, so it's not as tailored as some other options. But it's still a good cover, and it's a little bit cheaper.\n\nAnd if you do have a little bit of a riskier occupation, which the insurer for you, unfortunately, being a truck driver would say that it is a little bit riskier, which is why we we kept the cover at the time. So I will check on that income protection for you. Now it is correct that sometimes the insurers will ask you first to use sick leave or annual leave. But savings, no. I've never heard some because that's, like well, that's your but that could be used for other things.\n\nSo what if you're saving that for your children or, like, that seems very unusual that they will get you to use your savings. That doesn't seem right to me. Annual leave and sick leave, yes, there are some insurers that will get you to do that first, but not saving. I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do.\n\nWas it about three years ago, did you say? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. Yeah. Which is the income protection is meant to be for if you can't let yes.\n\nYou do have a sixty day waiting period, but for them to asking you to use your savings, that doesn't seem right. So I will once I get the TPA back so, yeah, I'll get the team to try to email that to you today. And if you can do that as soon as you get a chance, David, the sooner I can get information on this. And I will see if I can find out a bit more in regards to that. Because if you ever need to make a claim again, hopefully, you don't ever have to.\n\nIf they're gonna do the same thing, then, like, exactly what you said, well, what is the point paying for something if they're not gonna pay it out? Yeah. So I will investigate a little bit more for you. And then next time we catch up, I'll see if I can find out a bit more in regards to it. And like I said, if anything ever would have happened to happen in the future, hopefully, never does, just call me because I will then tryna see if we can call host plus and do some of that for you to alleviate the stress because they make it difficult.\n\nWhereas we I argue with them all the time with different super funds and insurance. So it's easier for us to tryna assist you in that way. That's also what we are here to do if something ever were to happen. So leave it with me. I will check with host plan.\n\nAnd then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need to use your savings. That that doesn't seem right. So leave that with me, David. I will find that out. Now the last couple of documents you will see, there is a performance report showing your individual investment.\n\nNow, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement. So I will do a bit more in-depth in your investments. I'll also see if there are some that's not performing well that we wanna potentially swap out. So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update. And then the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement.\n\nAnd that is just basically to say that you are happy to stay on as a client. The advice fee is not changing. It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract. So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in contract. Yeah.\n\nNow, David, do you have any questions before I let you go otherwise today? Mhmm. Yes. Yes. Yes.\n\nSo I've just sent you an email. It will be like a digital link. You can just find that online. Easy. Now the other email for the TPS for you to sign will come from my colleague, Whitlam.\n\nYou will cc me in the email, and it's usually that it's just one paper. It's just one document to print and sign and send back, but I'll get him to outline it in the email for you. Yeah. That would be great. Yep.\n\nPerfect. I'll get him to send it to you this morning, especially if you are going back to work this afternoon, and we'll get that underway. Otherwise, as soon as I hear back from host plus and I've done the research and everything for you, I will give you a call and run through everything. Now it could take a couple of weeks depending on host plus and how quickly they get the information to me. So leave it with me.\n\nI'll give you a call as soon as I have all the information. But if you need anything in the meantime, David, just give me a call. Okay? Mhmm. Yes.\n\nYep. Yeah. Yes. Rent and everything and house prices, everything is going through the roof. So I'll definitely factor that in through the portfolio and see if there are some options that are looking good that we can we can change that out for you.\n\nSo I'll do the research and then kind of present you with the recommendation, and then we can always take it from there. No problem at all. Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day. Mhmm. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.4,"end":5.2999997,"sentiment":"positive","sentiment_score":0.43147343397140503},{"text":"This is Veronica from Financial.","start":6.0,"end":7.94,"sentiment":"neutral","sentiment_score":0.22516173422336577},{"text":"I have David looking for his annual review.","start":9.28,"end":12.16,"sentiment":"neutral","sentiment_score":0.11314665246754885},{"text":"Is he around or a bit busy?","start":12.16,"end":14.58,"sentiment":"neutral","sentiment_score":0.0852168942136424},{"text":"Hello, miss David?","start":24.325,"end":25.785,"sentiment":"neutral","sentiment_score":-0.04797097792228063}],"sentiment":"neutral","sentiment_score":0.13386136338114737,"num_words":25,"start":4.4,"end":25.785},{"sentences":[{"text":"No.","start":28.82,"end":29.14,"sentiment":"neutral","sentiment_score":-0.2392919510602951},{"text":"It's okay.","start":29.14,"end":29.88,"sentiment":"neutral","sentiment_score":-0.08865204825997353},{"text":"Do you still have time, or would you like me to reschedule for a more suitable time?","start":30.02,"end":34.6,"sentiment":"neutral","sentiment_score":-0.05715123805053094},{"text":"Probably about half an hour or so.","start":39.954998,"end":42.774998,"sentiment":"neutral","sentiment_score":-0.02249490948660033},{"text":"Yeah?","start":49.954998,"end":50.434998,"sentiment":"neutral","sentiment_score":0.07724624872207642}],"sentiment":"neutral","sentiment_score":-0.05244232900440693,"num_words":28,"start":28.82,"end":50.434998},{"sentences":[{"text":"Okay.","start":50.434998,"end":50.754997,"sentiment":"neutral","sentiment_score":0.0977041944861412},{"text":"I'll tryna be a bit quick for you.","start":50.754997,"end":52.614998,"sentiment":"neutral","sentiment_score":0.11771533265709877},{"text":"And 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":54.2,"end":61.42,"sentiment":"neutral","sentiment_score":0.0433344308907787},{"text":"Perfect.","start":63.16,"end":63.64,"sentiment":"positive","sentiment_score":0.4330776929855346},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":63.64,"end":70.994995,"sentiment":"neutral","sentiment_score":0.10152402606147987}],"sentiment":"neutral","sentiment_score":0.08200245686439854,"num_words":66,"start":50.434998,"end":70.994995},{"sentences":[{"text":"Yeah.","start":80.11,"end":80.43,"sentiment":"neutral","sentiment_score":0.24100229144096377},{"text":"Perfect.","start":80.43,"end":80.93,"sentiment":"positive","sentiment_score":0.490283727645874},{"text":"That's exactly what I have here.","start":80.990005,"end":83.090004,"sentiment":"positive","sentiment_score":0.5235466957092285},{"text":"Now just before I do kind of jump into the under review, and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review?","start":83.55,"end":96.924995,"sentiment":"neutral","sentiment_score":0.06362980341880906},{"text":"Yeah.","start":99.945,"end":100.445,"sentiment":"neutral","sentiment_score":-0.14316561818122864}],"sentiment":"neutral","sentiment_score":0.1180562231497004,"num_words":58,"start":80.11,"end":100.445},{"sentences":[{"text":"Yeah.","start":102.744995,"end":103.244995,"sentiment":"neutral","sentiment_score":-0.10273675620555878},{"text":"Yeah.","start":103.625,"end":104.125,"sentiment":"neutral","sentiment_score":-0.02359485812485218},{"text":"Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David.","start":106.28001,"end":112.380005,"sentiment":"neutral","sentiment_score":0.056562229343082596},{"text":"I know you spoke to my colleague a couple of months ago.","start":112.840004,"end":115.880005,"sentiment":"neutral","sentiment_score":0.04919288866221905},{"text":"Some recent information should be up to date, so I'll try to make it quick for you.","start":115.880005,"end":120.22,"sentiment":"neutral","sentiment_score":0.12678856621770299}],"sentiment":"neutral","sentiment_score":0.0725985175964457,"num_words":54,"start":102.744995,"end":120.22},{"sentences":[{"text":"Of course.","start":124.545,"end":124.865,"sentiment":"neutral","sentiment_score":-0.020055747590959072},{"text":"Yeah.","start":124.865,"end":125.365,"sentiment":"neutral","sentiment_score":-0.040858276188373566},{"text":"Potentially.","start":152.895,"end":153.395,"sentiment":"neutral","sentiment_score":-0.114113911986351},{"text":"So there there are restrictions.","start":153.77501,"end":155.315,"sentiment":"neutral","sentiment_score":-0.09400704205036163},{"text":"So you can access Uber under something that's called financial hardship.","start":155.455,"end":158.99501,"sentiment":"neutral","sentiment_score":-0.06784708459268916}],"sentiment":"neutral","sentiment_score":-0.07057184120640159,"num_words":20,"start":124.545,"end":158.99501},{"sentences":[{"text":"Now in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks.","start":160.17001,"end":166.35,"sentiment":"neutral","sentiment_score":-0.05059884991496801},{"text":"So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks, And you need to take some money out of Super.","start":166.89,"end":178.94499,"sentiment":"neutral","sentiment_score":-0.07523249955596151},{"text":"So, obviously, cover expenses and stuff like that.","start":178.94499,"end":183.345,"sentiment":"neutral","sentiment_score":-0.06128339050337672},{"text":"Usually, it bills and expenses in arrears.","start":183.345,"end":186.305,"sentiment":"neutral","sentiment_score":-0.07556061712758881},{"text":"So if it is that you cannot meet the repayment, there are some ways you can access that under financial hardship.","start":186.305,"end":192.37,"sentiment":"neutral","sentiment_score":-0.00765584222972393}],"sentiment":"neutral","sentiment_score":-0.053500468952841655,"num_words":93,"start":160.17001,"end":192.37},{"sentences":[{"text":"What I can do for you is I can put it all in an email for you if you would like.","start":192.75,"end":197.41,"sentiment":"neutral","sentiment_score":0.1027644741393271},{"text":"That way you have the information if anything were to happen, and you can also kind of see there what the criteria is.","start":197.47,"end":204.61,"sentiment":"neutral","sentiment_score":0.22220164375460666},{"text":"Would that be helpful?","start":204.645,"end":205.545,"sentiment":"neutral","sentiment_score":0.18160719983279705},{"text":"Yeah?","start":208.88501,"end":209.205,"sentiment":"neutral","sentiment_score":0.009617389179766178},{"text":"Okay.","start":209.205,"end":209.705,"sentiment":"neutral","sentiment_score":0.012574704363942146}],"sentiment":"neutral","sentiment_score":0.16034625312313439,"num_words":50,"start":192.75,"end":209.705},{"sentences":[{"text":"Yeah.","start":209.925,"end":210.425,"sentiment":"neutral","sentiment_score":-0.0014905110001564026},{"text":"Yeah.","start":211.60501,"end":212.10501,"sentiment":"neutral","sentiment_score":-0.009169979952275751},{"text":"Yeah.","start":213.125,"end":213.625,"sentiment":"neutral","sentiment_score":-0.010232826694846152},{"text":"Yeah.","start":214.965,"end":215.445,"sentiment":"neutral","sentiment_score":0.06278514862060547},{"text":"And it is a good question.","start":215.445,"end":216.725,"sentiment":"neutral","sentiment_score":0.15667783468961716}],"sentiment":"neutral","sentiment_score":0.09819588391110301,"num_words":10,"start":209.925,"end":216.725},{"sentences":[{"text":"Hopefully, it doesn't come to it.","start":216.725,"end":218.28,"sentiment":"neutral","sentiment_score":-0.01996496117984255},{"text":"But if it is that you do lose your job and you you struggle, just give me a call, and I'll I'll see where where you are, and we can then kind of talk further about it.","start":218.36,"end":226.06,"sentiment":"neutral","sentiment_score":-0.08604513702763093},{"text":"Yep.","start":226.76,"end":227.26,"sentiment":"neutral","sentiment_score":0.16989968717098236},{"text":"No.","start":227.88,"end":228.12,"sentiment":"neutral","sentiment_score":0.05734809115529061},{"text":"That's okay.","start":228.12,"end":228.94,"sentiment":"neutral","sentiment_score":0.07017077133059502}],"sentiment":"neutral","sentiment_score":-0.06246533013008376,"num_words":47,"start":216.725,"end":228.94},{"sentences":[{"text":"Otherwise, your personal information, I have you here in relationship and no financial dependence.","start":229.8,"end":237.205,"sentiment":"neutral","sentiment_score":0.034748904407024384},{"text":"Is that correct?","start":237.345,"end":238.16501,"sentiment":"neutral","sentiment_score":0.07811923325061798},{"text":"Perfect.","start":239.985,"end":240.485,"sentiment":"positive","sentiment_score":0.34065961837768555},{"text":"Next up, Kim, I have Annette listed.","start":240.625,"end":243.60501,"sentiment":"neutral","sentiment_score":0.10043951443263463},{"text":"Is that still the case?","start":244.38501,"end":245.52,"sentiment":"neutral","sentiment_score":0.069480649381876}],"sentiment":"neutral","sentiment_score":0.07039939425885677,"num_words":30,"start":229.8,"end":245.52},{"sentences":[{"text":"Yep.","start":249.12001,"end":249.6,"sentiment":"neutral","sentiment_score":0.07072624564170837},{"text":"Perfect.","start":249.6,"end":250.1,"sentiment":"neutral","sentiment_score":0.18140491843223572},{"text":"At the moment, has anything changed with your occupation?","start":251.04001,"end":253.86,"sentiment":"neutral","sentiment_score":-0.018905896900428668},{"text":"Are you still working as the truck driver for the time being?","start":253.92,"end":256.9,"sentiment":"neutral","sentiment_score":-0.004253762541338801},{"text":"Yep.","start":258.015,"end":258.515,"sentiment":"neutral","sentiment_score":0.17645609378814697}],"sentiment":"neutral","sentiment_score":0.00864120980259031,"num_words":24,"start":249.12001,"end":258.515},{"sentences":[{"text":"Perfect.","start":258.575,"end":259.075,"sentiment":"positive","sentiment_score":0.5853742361068726},{"text":"Income, I have here of around a 156,000.","start":260.415,"end":263.875,"sentiment":"neutral","sentiment_score":0.24897068552672863},{"text":"Yep.","start":266.575,"end":267.075,"sentiment":"neutral","sentiment_score":0.1961076557636261},{"text":"Perfect.","start":267.215,"end":267.715,"sentiment":"positive","sentiment_score":0.5252372026443481},{"text":"And your employer, they just pay that standard 12% contribution, and you are not making any additional contribution in to suit, are you?","start":269.055,"end":276.44998,"sentiment":"neutral","sentiment_score":0.1251895000105319}],"sentiment":"neutral","sentiment_score":0.18170126702855616,"num_words":34,"start":258.575,"end":276.44998},{"sentences":[{"text":"No.","start":277.78998,"end":278.28998,"sentiment":"neutral","sentiment_score":-0.1778961718082428},{"text":"Yep.","start":279.31,"end":279.81,"sentiment":"neutral","sentiment_score":-0.0947197526693344},{"text":"Now assets and liabilities, I'll go through what I have here, and you just let me know if anything has changed to make it quicker.","start":280.99,"end":286.865,"sentiment":"neutral","sentiment_score":-0.05187621742486954},{"text":"I have a huge side of around a 150,000 with about a 142 owing.","start":287.72498,"end":293.66498,"sentiment":"neutral","sentiment_score":-0.036858582869172096},{"text":"Yep.","start":295.88498,"end":296.38498,"sentiment":"neutral","sentiment_score":0.03410939872264862}],"sentiment":"neutral","sentiment_score":-0.04884362194154944,"num_words":42,"start":277.78998,"end":296.38498},{"sentences":[{"text":"Yep.","start":296.685,"end":297.185,"sentiment":"neutral","sentiment_score":0.02847263775765896},{"text":"Savings account, about 19,000.","start":298.04498,"end":300.78497,"sentiment":"neutral","sentiment_score":0.0105535585898906},{"text":"Yep.","start":307.54,"end":308.04,"sentiment":"neutral","sentiment_score":0.00919569469988346},{"text":"Perfect.","start":310.82,"end":311.32,"sentiment":"neutral","sentiment_score":0.17352306842803955},{"text":"Okay.","start":311.46002,"end":311.86002,"sentiment":"neutral","sentiment_score":0.05343170836567879}],"sentiment":"neutral","sentiment_score":0.038354667951352894,"num_words":8,"start":296.685,"end":311.86002},{"sentences":[{"text":"So about 29.","start":311.86002,"end":313.40002,"sentiment":"neutral","sentiment_score":0.029972105597456295},{"text":"Do you also have the old car loan at about 44,000?","start":314.90002,"end":320.88498,"sentiment":"neutral","sentiment_score":0.004014260220256719},{"text":"Okay.","start":330.96002,"end":331.46002,"sentiment":"neutral","sentiment_score":-0.005537866614758968},{"text":"Okay.","start":340.24002,"end":340.48,"sentiment":"neutral","sentiment_score":0.007084117271006107},{"text":"Yeah.","start":340.48,"end":340.80002,"sentiment":"neutral","sentiment_score":0.008832092396914959}],"sentiment":"neutral","sentiment_score":0.008497148368726759,"num_words":17,"start":311.86002,"end":340.80002},{"sentences":[{"text":"Okay.","start":340.80002,"end":341.2,"sentiment":"neutral","sentiment_score":0.0051254527643322945},{"text":"That is yeah.","start":341.2,"end":344.48502,"sentiment":"neutral","sentiment_score":-0.0006546188766757647},{"text":"Okay.","start":344.48502,"end":344.965,"sentiment":"neutral","sentiment_score":0.018590785562992096},{"text":"No.","start":344.965,"end":345.36502,"sentiment":"neutral","sentiment_score":0.016313686966896057},{"text":"Perfect.","start":345.36502,"end":345.765,"sentiment":"neutral","sentiment_score":0.1989960670471191}],"sentiment":"neutral","sentiment_score":0.033866019387330325,"num_words":7,"start":340.80002,"end":345.765},{"sentences":[{"text":"That's okay.","start":345.765,"end":346.58502,"sentiment":"neutral","sentiment_score":0.14678911119699478},{"text":"Any other new assets in the last twelve months there, David?","start":347.285,"end":350.42502,"sentiment":"neutral","sentiment_score":0.04607359353791584},{"text":"That's perfect.","start":351.605,"end":352.345,"sentiment":"positive","sentiment_score":0.44400542974472046},{"text":"Health and lifestyle, I have you down here as a nonsmoker.","start":353.045,"end":356.025,"sentiment":"neutral","sentiment_score":0.09855955822223966},{"text":"Is that still the case?","start":356.325,"end":357.51,"sentiment":"neutral","sentiment_score":0.010244562104344369}],"sentiment":"neutral","sentiment_score":0.09108956650860849,"num_words":31,"start":345.765,"end":357.51},{"sentences":[{"text":"Perfect.","start":359.43002,"end":359.93002,"sentiment":"neutral","sentiment_score":0.3074323832988739},{"text":"Oh, no.","start":361.83002,"end":362.47,"sentiment":"neutral","sentiment_score":-0.004310124553740025},{"text":"That's okay.","start":362.47,"end":363.37,"sentiment":"neutral","sentiment_score":0.029606822878122333},{"text":"Any changes in your health in the last twelve months?","start":365.27002,"end":367.93002,"sentiment":"neutral","sentiment_score":-0.040646043792366984},{"text":"Like, any illnesses or diagnosis or injuries or anything?","start":372.485,"end":376.505,"sentiment":"neutral","sentiment_score":-0.05717564208639993}],"sentiment":"neutral","sentiment_score":-0.023458976531401277,"num_words":24,"start":359.43002,"end":376.505},{"sentences":[{"text":"No.","start":377.365,"end":377.865,"sentiment":"neutral","sentiment_score":-0.10076101124286652},{"text":"Perfect.","start":378.005,"end":378.505,"sentiment":"neutral","sentiment_score":0.03769785910844803},{"text":"Estate planning wise, I do have here you have a will in place.","start":379.685,"end":383.865,"sentiment":"neutral","sentiment_score":0.07410238711879803},{"text":"Your beneficiaries will do so.","start":385.98,"end":387.74,"sentiment":"neutral","sentiment_score":0.1363146111369133},{"text":"So in the event that something happens to you, I have 50% to Caitlin and 50% to Wyatt.","start":387.74,"end":393.34,"sentiment":"neutral","sentiment_score":0.08154011993772453}],"sentiment":"neutral","sentiment_score":0.08025166039404116,"num_words":38,"start":377.365,"end":393.34},{"sentences":[{"text":"Is that still the case?","start":393.34,"end":394.63998,"sentiment":"neutral","sentiment_score":0.04264254570007324},{"text":"Perfect.","start":396.06,"end":396.56,"sentiment":"neutral","sentiment_score":-0.01672687567770481},{"text":"Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super.","start":397.46503,"end":405.80502,"sentiment":"neutral","sentiment_score":0.05130240946046768},{"text":"I'll try to make it short for you.","start":406.505,"end":408.605,"sentiment":"neutral","sentiment_score":0.033437041100114584},{"text":"Just let me know whatever feels the most appropriate for you, and there's no right or wrong answer.","start":408.825,"end":414.97998,"sentiment":"neutral","sentiment_score":0.07544080250793034}],"sentiment":"neutral","sentiment_score":0.05416335428636226,"num_words":63,"start":393.34,"end":414.97998},{"sentences":[{"text":"Now have you ever bought direct shares?","start":416.63998,"end":418.74,"sentiment":"neutral","sentiment_score":0.0010938540633235658},{"text":"Look on the stock market.","start":420.4,"end":421.68,"sentiment":"neutral","sentiment_score":-0.0777616709470749},{"text":"No.","start":421.68,"end":422.08,"sentiment":"neutral","sentiment_score":-0.02317172661423683},{"text":"Perfect.","start":422.08,"end":422.58,"sentiment":"neutral","sentiment_score":0.28965866565704346},{"text":"At the moment, when do you think you would like to retire and draw an income from your super for retirement?","start":423.43997,"end":432.525,"sentiment":"neutral","sentiment_score":0.1165392870704333}],"sentiment":"neutral","sentiment_score":0.06664744546370847,"num_words":35,"start":416.63998,"end":432.525},{"sentences":[{"text":"Are you planning around 60, 65, 67?","start":434.345,"end":437.965,"sentiment":"neutral","sentiment_score":0.03187576308846474},{"text":"Yep.","start":450.39,"end":450.89,"sentiment":"neutral","sentiment_score":0.12859681248664856},{"text":"Okay.","start":450.95,"end":451.45,"sentiment":"neutral","sentiment_score":0.20898930728435516},{"text":"Perfect.","start":451.51,"end":452.01,"sentiment":"positive","sentiment_score":0.34658247232437134},{"text":"Otherwise, when it comes to taking on risk for superannuation, are you willing to accept very high risk, high moderate, or a small amount of risk in order to make sure that you stay on top of the rising prices and and everything, thinking about your superannuation only?","start":454.195,"end":473.90002,"sentiment":"neutral","sentiment_score":-0.0006103864870965481}],"sentiment":"neutral","sentiment_score":0.015137937626448172,"num_words":58,"start":434.345,"end":473.90002},{"sentences":[{"text":"Yeah.","start":484.695,"end":485.195,"sentiment":"neutral","sentiment_score":-0.09431977570056917},{"text":"Yeah.","start":488.135,"end":488.455,"sentiment":"neutral","sentiment_score":-0.03455547243356705},{"text":"And you still feel kind of about moderate, willing to take some risk, but not max?","start":488.455,"end":492.875,"sentiment":"neutral","sentiment_score":-0.025505768368020654},{"text":"Yep.","start":493.08,"end":493.58,"sentiment":"neutral","sentiment_score":-0.0005561871221289039},{"text":"Yeah.","start":497.63998,"end":498.13998,"sentiment":"neutral","sentiment_score":-0.10184741020202635}],"sentiment":"neutral","sentiment_score":-0.0319685569673311,"num_words":20,"start":484.695,"end":498.13998},{"sentences":[{"text":"Yeah.","start":499.15997,"end":499.65997,"sentiment":"neutral","sentiment_score":0.035277560353279114},{"text":"I will I will give you a bit of an update on that as well.","start":499.72,"end":502.86,"sentiment":"neutral","sentiment_score":0.0680969034632047},{"text":"Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset?","start":504.52,"end":533.115,"sentiment":"neutral","sentiment_score":-0.03598687150515616},{"text":"So that means then you are selling when the prices have already dropped.","start":533.575,"end":537.35504,"sentiment":"neutral","sentiment_score":-0.09426678889072858},{"text":"Okay.","start":547.91003,"end":548.41003,"sentiment":"neutral","sentiment_score":-0.09406407177448271}],"sentiment":"neutral","sentiment_score":-0.028561372140591793,"num_words":110,"start":499.15997,"end":548.41003},{"sentences":[{"text":"No.","start":549.75,"end":550.23004,"sentiment":"neutral","sentiment_score":-0.11945157498121262},{"text":"That's okay.","start":550.23004,"end":551.05005,"sentiment":"neutral","sentiment_score":-0.055355560034513474},{"text":"Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped.","start":552.79004,"end":568.295,"sentiment":"neutral","sentiment_score":-0.0265797044628778},{"text":"Or would you be kind of a bit more neutral, just kinda wait and see what happens?","start":568.295,"end":579.61,"sentiment":"neutral","sentiment_score":-0.07285340174156077},{"text":"Yeah.","start":581.31,"end":581.81,"sentiment":"neutral","sentiment_score":-0.02592886984348297}],"sentiment":"neutral","sentiment_score":-0.042724973441840244,"num_words":58,"start":549.75,"end":581.81},{"sentences":[{"text":"Or do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already?","start":582.91,"end":591.975,"sentiment":"neutral","sentiment_score":-0.14425107452177233},{"text":"That's okay.","start":600.53,"end":601.27,"sentiment":"neutral","sentiment_score":0.0041353837586939335},{"text":"If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going on.","start":601.81,"end":610.47003,"sentiment":"neutral","sentiment_score":-0.17811963707208633},{"text":"Yeah.","start":611.73,"end":612.05,"sentiment":"neutral","sentiment_score":0.049971695989370346},{"text":"Are you okay with that?","start":612.05,"end":613.19,"sentiment":"neutral","sentiment_score":0.09768419414758682}],"sentiment":"neutral","sentiment_score":-0.13615372082373747,"num_words":72,"start":582.91,"end":613.19},{"sentences":[{"text":"Yeah.","start":614.46497,"end":614.96497,"sentiment":"neutral","sentiment_score":0.05786985158920288},{"text":"So a bit more property wise.","start":631.04,"end":633.54,"sentiment":"neutral","sentiment_score":-0.20070888350407282},{"text":"We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it.","start":641.615,"end":650.175,"sentiment":"neutral","sentiment_score":0.26028742290594997},{"text":"I'm more than happy to do that and see if we need to, you know, make make any changes as well.","start":650.175,"end":657.07996,"sentiment":"positive","sentiment_score":0.5221362270060039},{"text":"Because, obviously, the last twelve months have been a lot of fluctuations in the market.","start":657.07996,"end":662.27997,"sentiment":"neutral","sentiment_score":-0.18547621766726177}],"sentiment":"neutral","sentiment_score":0.20631307053875614,"num_words":77,"start":614.46497,"end":662.27997},{"sentences":[{"text":"That's a lot that's happened.","start":662.27997,"end":663.74,"sentiment":"neutral","sentiment_score":-0.12723184525966644},{"text":"First, you obviously had The US and Trump and tariffs and everything.","start":664.51996,"end":667.95996,"sentiment":"neutral","sentiment_score":-0.10473546447853248},{"text":"We did see a bit of fluctuation.","start":667.95996,"end":669.53503,"sentiment":"neutral","sentiment_score":-0.105916045073952},{"text":"And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market.","start":670.075,"end":675.85504,"sentiment":"neutral","sentiment_score":-0.13647469207644464},{"text":"The last twelve months have been a bit more turbulent.","start":676.47504,"end":679.135,"sentiment":"neutral","sentiment_score":-0.18658072203397752}],"sentiment":"neutral","sentiment_score":-0.13388329958198247,"num_words":54,"start":662.27997,"end":679.135},{"sentences":[{"text":"So it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you.","start":679.91504,"end":687.67,"sentiment":"positive","sentiment_score":0.5599078301872525},{"text":"And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay.","start":688.45,"end":700.805,"sentiment":"neutral","sentiment_score":0.25704021255175274},{"text":"Well, the way things are going, if there's no changes, where would you be at 65?","start":700.805,"end":706.90497,"sentiment":"neutral","sentiment_score":0.16310727316886187},{"text":"You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at?","start":707.285,"end":714.12,"sentiment":"neutral","sentiment_score":0.25389887392520905},{"text":"Would you be happy for me to to do that for you?","start":714.12,"end":716.78,"sentiment":"positive","sentiment_score":0.46449120839436847}],"sentiment":"positive","sentiment_score":0.3346809350754604,"num_words":121,"start":679.91504,"end":716.78},{"sentences":[{"text":"Yeah.","start":718.04004,"end":718.52,"sentiment":"neutral","sentiment_score":0.19338132441043857},{"text":"Yeah.","start":718.52,"end":718.6,"sentiment":"neutral","sentiment_score":0.05934368446469307},{"text":"So yeah.","start":718.6,"end":723.56,"sentiment":"neutral","sentiment_score":0.10640490055084229},{"text":"And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth.","start":723.56,"end":731.535,"sentiment":"positive","sentiment_score":0.46806643496860156},{"text":"So I will do it on the back end.","start":731.535,"end":732.735,"sentiment":"neutral","sentiment_score":0.29491125378343797}],"sentiment":"positive","sentiment_score":0.4036071401737306,"num_words":46,"start":718.04004,"end":732.735},{"sentences":[{"text":"I don't have to keep you on the phone for it.","start":732.735,"end":734.835,"sentiment":"neutral","sentiment_score":0.14560094678943808},{"text":"But, basically, I would like to go into your super in a bit more detail.","start":734.975,"end":741.075,"sentiment":"neutral","sentiment_score":0.2269517481327057},{"text":"So I have actually just sent you an email.","start":741.135,"end":743.99,"sentiment":"neutral","sentiment_score":0.2053747938738929},{"text":"If you're a bit busy, I can let you have a read over that in your own time.","start":743.99,"end":748.97,"sentiment":"neutral","sentiment_score":0.18684196844696999},{"text":"If you then have any questions, you can always let me know.","start":749.27,"end":752.73,"sentiment":"neutral","sentiment_score":0.1836327314376831}],"sentiment":"neutral","sentiment_score":0.19109243062826303,"num_words":65,"start":732.735,"end":752.73},{"sentences":[{"text":"I will quickly just run through the most important thing.","start":753.83,"end":756.55,"sentiment":"neutral","sentiment_score":0.20485667288303375},{"text":"But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David.","start":756.55,"end":768.925,"sentiment":"neutral","sentiment_score":0.12692221276023807},{"text":"Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long term.","start":770.43,"end":789.095,"sentiment":"neutral","sentiment_score":0.235939698604246},{"text":"Now when we are looking at the how much money is invested in the different areas, we see 80% in net yields, so that will be your share and stuff.","start":790.595,"end":801.67,"sentiment":"neutral","sentiment_score":0.20932842344045638},{"text":"So you will have your international shares and also property and then also Australian shares.","start":801.67,"end":808.33,"sentiment":"neutral","sentiment_score":0.12643693784872692}],"sentiment":"neutral","sentiment_score":0.18879879026734916,"num_words":137,"start":753.83,"end":808.33},{"sentences":[{"text":"And that's what's going to grow your super the most, but also fluctuate a little bit.","start":808.87,"end":813.375,"sentiment":"neutral","sentiment_score":0.3329367688857019},{"text":"And then we have 20% in defensive, and that will be, like, your cash, your gold, your fixed interest to limit fluctuations a little bit.","start":813.535,"end":824.195,"sentiment":"neutral","sentiment_score":0.18174997597932815},{"text":"Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive?","start":825.85,"end":834.75,"sentiment":"neutral","sentiment_score":-0.015339923683892597},{"text":"Would you like to look at decreasing it a little bit one step down, or where are you thinking?","start":834.97003,"end":841.91504,"sentiment":"neutral","sentiment_score":-0.05927845198465021},{"text":"Yep.","start":846.055,"end":846.555,"sentiment":"neutral","sentiment_score":0.1632055938243866}],"sentiment":"neutral","sentiment_score":0.10325511309307024,"num_words":83,"start":808.87,"end":846.555},{"sentences":[{"text":"Yep.","start":847.41504,"end":847.91504,"sentiment":"neutral","sentiment_score":0.2068426012992859},{"text":"We can definitely do that.","start":848.055,"end":849.835,"sentiment":"positive","sentiment_score":0.466669899225235},{"text":"Yeah.","start":851.97504,"end":852.47504,"sentiment":"positive","sentiment_score":0.378171443939209},{"text":"Yep.","start":852.87994,"end":853.37994,"sentiment":"positive","sentiment_score":0.5007252097129822},{"text":"Yes.","start":854.56,"end":855.06,"sentiment":"neutral","sentiment_score":0.3200695812702179}],"sentiment":"positive","sentiment_score":0.4154620369275411,"num_words":9,"start":847.41504,"end":855.06},{"sentences":[{"text":"Exactly.","start":855.92,"end":856.42,"sentiment":"positive","sentiment_score":0.3616119623184204},{"text":"And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on.","start":856.95996,"end":872.735,"sentiment":"neutral","sentiment_score":0.18328665721195717},{"text":"We see we want to allow ideally six years until retirement.","start":873.59503,"end":877.695,"sentiment":"neutral","sentiment_score":0.2102240716869181},{"text":"So if you are thinking about, you know, sixty five roughly, then being in a growth portfolio from a time point of view is still suitable for you.","start":878.075,"end":887.35,"sentiment":"neutral","sentiment_score":0.1845747535782201},{"text":"Perfect.","start":889.49,"end":889.97,"sentiment":"positive","sentiment_score":0.5439877510070801}],"sentiment":"neutral","sentiment_score":0.19245933780544683,"num_words":95,"start":855.92,"end":889.97},{"sentences":[{"text":"Now the last thing I do run over is just those documents I have sent through there, David.","start":889.97,"end":894.37,"sentiment":"neutral","sentiment_score":0.16338516109519535},{"text":"So when you have a moment, have a read over them.","start":894.37,"end":897.185,"sentiment":"neutral","sentiment_score":0.14678236909888007},{"text":"Any questions, let me know.","start":897.185,"end":899.205,"sentiment":"neutral","sentiment_score":0.12009924352169037},{"text":"Otherwise, if you don't have any questions, I will just need you to sign those documents.","start":900.065,"end":905.365,"sentiment":"neutral","sentiment_score":0.13306669471785426},{"text":"That will send it through to me.","start":905.745,"end":907.925,"sentiment":"neutral","sentiment_score":0.1704449632338115}],"sentiment":"neutral","sentiment_score":0.1487406497461754,"num_words":57,"start":889.97,"end":907.925},{"sentences":[{"text":"I'll get that all loaded in the back end for you, and I'll also get working on this research.","start":908.27997,"end":914.54,"sentiment":"neutral","sentiment_score":0.3188888265898353},{"text":"So when you do have a look at these documents, you will see through financial services side.","start":914.6,"end":920.38,"sentiment":"neutral","sentiment_score":0.1513850285726435},{"text":"Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time.","start":920.625,"end":928.085,"sentiment":"neutral","sentiment_score":0.15605771685800246},{"text":"You we will also have a bit of a super and insurance summary.","start":928.625,"end":932.885,"sentiment":"neutral","sentiment_score":0.14295388815494683},{"text":"Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account.","start":933.51,"end":947.61005,"sentiment":"neutral","sentiment_score":0.1084397943424327}],"sentiment":"neutral","sentiment_score":0.17004571482539177,"num_words":108,"start":908.27997,"end":947.61005},{"sentences":[{"text":"Now with your Host Plus, that was, obviously kept a little bit of money in there for your insurances.","start":948.165,"end":954.345,"sentiment":"neutral","sentiment_score":-0.1346996006997008},{"text":"And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you.","start":955.605,"end":964.48,"sentiment":"neutral","sentiment_score":-0.24354122144480547},{"text":"So what I will get the team to do is do you have access to a printer at all, David, or no?","start":964.69995,"end":972.39996,"sentiment":"neutral","sentiment_score":0.05795452201908285},{"text":"You do?","start":972.86,"end":973.5,"sentiment":"neutral","sentiment_score":0.09219888597726822},{"text":"Okay.","start":973.5,"end":974.0,"sentiment":"neutral","sentiment_score":0.21903979778289795}],"sentiment":"neutral","sentiment_score":-0.09890948049724102,"num_words":68,"start":948.165,"end":974.0},{"sentences":[{"text":"So what I'm going to do is I will get the team to email that to you.","start":974.69995,"end":978.95996,"sentiment":"neutral","sentiment_score":0.3015709729755626},{"text":"We'll just need you to print it off, sign it, and send it back.","start":979.645,"end":983.585,"sentiment":"neutral","sentiment_score":0.24165223006691253},{"text":"I will send that off to host plus, and that just allows me to do more research on the account.","start":984.125,"end":989.345,"sentiment":"positive","sentiment_score":0.38868659138679507},{"text":"Because you obviously have contributions going into host plus, so we wanna make sure that we have the most amount of money in the fund that's going to give you the most growth.","start":989.725,"end":998.87006,"sentiment":"positive","sentiment_score":0.4093510228576082},{"text":"So whether that be moving some to hub twenty four or host plus, I would like to do a bit more research just to make sure that we have the most amount of money in the fund that's going to grow for you.","start":999.25,"end":1011.125,"sentiment":"neutral","sentiment_score":0.26223775588495785}],"sentiment":"neutral","sentiment_score":0.323373046036311,"num_words":127,"start":974.69995,"end":1011.125},{"sentences":[{"text":"But I would just need that TPA return so that I can get updated information.","start":1011.58496,"end":1015.52496,"sentiment":"neutral","sentiment_score":0.047456915179888405},{"text":"And I would also get like to get a bit more on the insurances because what I have is a little bit updated.","start":1016.065,"end":1021.845,"sentiment":"neutral","sentiment_score":0.06596592943305554},{"text":"But last time we did the research, you had your life and total permanent disability insurance still in there of about 240,000.","start":1023.08,"end":1032.28,"sentiment":"neutral","sentiment_score":-0.022384695370088924},{"text":"And you also have a bit of an income protection as well, which is about 2,500 a month.","start":1032.28,"end":1039.1649,"sentiment":"neutral","sentiment_score":0.01297010233004888},{"text":"It all comes out from host plus, and premium was around 1,478.","start":1039.945,"end":1047.1649,"sentiment":"neutral","sentiment_score":0.026937161572277546}],"sentiment":"neutral","sentiment_score":0.02548127319249842,"num_words":90,"start":1011.58496,"end":1047.1649},{"sentences":[{"text":"But, again, I'd like to just get updated research for you, and I will go through all of that when I do have the statement of advice for you to show you how much how much is in there when I've kind of gone through that.","start":1047.6799,"end":1059.36,"sentiment":"neutral","sentiment_score":0.13738634089088958},{"text":"Does that make sense?","start":1059.36,"end":1060.5,"sentiment":"neutral","sentiment_score":0.0891226502135396},{"text":"Yeah.","start":1069.865,"end":1070.185,"sentiment":"neutral","sentiment_score":-0.05642094835639},{"text":"Okay.","start":1070.185,"end":1070.685,"sentiment":"neutral","sentiment_score":-0.03427499532699585},{"text":"I'm sorry to hear that.","start":1072.68,"end":1077.1001,"sentiment":"neutral","sentiment_score":-0.24717217087745666}],"sentiment":"neutral","sentiment_score":0.09385448217130545,"num_words":57,"start":1047.6799,"end":1077.1001},{"sentences":[{"text":"Yeah.","start":1077.56,"end":1078.06,"sentiment":"neutral","sentiment_score":0.00026307255029678345},{"text":"Yeah.","start":1087.4149,"end":1087.9149,"sentiment":"neutral","sentiment_score":-0.07357031852006912},{"text":"Yeah.","start":1090.855,"end":1091.355,"sentiment":"neutral","sentiment_score":-0.1553405225276947},{"text":"Yeah.","start":1118.565,"end":1119.065,"sentiment":"neutral","sentiment_score":-0.31213828921318054},{"text":"Yeah.","start":1120.645,"end":1121.145,"sentiment":"neutral","sentiment_score":-0.0828898698091507}],"sentiment":"neutral","sentiment_score":-0.12473518550395965,"num_words":5,"start":1077.56,"end":1121.145},{"sentences":[{"text":"Who said that?","start":1121.285,"end":1122.245,"sentiment":"neutral","sentiment_score":-0.09362415472666423},{"text":"Was that Host Plus, or was it someone from you?","start":1122.245,"end":1130.0,"sentiment":"neutral","sentiment_score":-0.03289995193481445},{"text":"Yeah.","start":1130.0,"end":1130.5,"sentiment":"neutral","sentiment_score":-0.032995738089084625},{"text":"Yeah.","start":1131.4401,"end":1131.9401,"sentiment":"neutral","sentiment_score":-0.044167280197143555},{"text":"Okay.","start":1135.6,"end":1136.1,"sentiment":"neutral","sentiment_score":-0.20323467254638672}],"sentiment":"neutral","sentiment_score":-0.05564185464754701,"num_words":16,"start":1121.285,"end":1136.1},{"sentences":[{"text":"Yeah.","start":1138.415,"end":1138.915,"sentiment":"neutral","sentiment_score":-0.07707758247852325},{"text":"Yeah.","start":1139.2151,"end":1139.7151,"sentiment":"neutral","sentiment_score":-0.05433807522058487},{"text":"Okay.","start":1140.175,"end":1140.655,"sentiment":"neutral","sentiment_score":-0.0430615060031414},{"text":"Yeah.","start":1140.655,"end":1140.895,"sentiment":"neutral","sentiment_score":-0.04434285685420036},{"text":"Because it does seem unusual.","start":1140.895,"end":1143.555,"sentiment":"neutral","sentiment_score":-0.14117420017719268}],"sentiment":"neutral","sentiment_score":-0.10274344682693481,"num_words":9,"start":1138.415,"end":1143.555},{"sentences":[{"text":"So if anything ever happens, just call me because we can then liaise with host plus.","start":1143.775,"end":1150.84,"sentiment":"neutral","sentiment_score":-0.05929878796450794},{"text":"I'm trying to do the forms to make that easier for you because it's a very stressful time, and the last thing you wanna have to do is deal with the insurance and super fund side of it.","start":1150.84,"end":1159.6599,"sentiment":"neutral","sentiment_score":-0.15166790214808365},{"text":"Now because it is kind of your your group cover, they can be a little bit trickier.","start":1159.7999,"end":1166.265,"sentiment":"neutral","sentiment_score":-0.1794446496402516},{"text":"Group cover doesn't mean that you didn't apply for it, so it's not as tailored as some other options.","start":1166.4851,"end":1172.185,"sentiment":"neutral","sentiment_score":-0.08404629599106939},{"text":"But it's still a good cover, and it's a little bit cheaper.","start":1173.125,"end":1176.0851,"sentiment":"neutral","sentiment_score":0.1638262706498305}],"sentiment":"neutral","sentiment_score":-0.09209494420564641,"num_words":102,"start":1143.775,"end":1176.0851},{"sentences":[{"text":"And if you do have a little bit of a riskier occupation, which the insurer for you, unfortunately, being a truck driver would say that it is a little bit riskier, which is why we we kept the cover at the time.","start":1176.0851,"end":1188.15,"sentiment":"neutral","sentiment_score":-0.21892509334498927},{"text":"So I will check on that income protection for you.","start":1188.15,"end":1190.95,"sentiment":"neutral","sentiment_score":0.06578059270977973},{"text":"Now it is correct that sometimes the insurers will ask you first to use sick leave or annual leave.","start":1190.95,"end":1198.705,"sentiment":"neutral","sentiment_score":0.03407186495238229},{"text":"But savings, no.","start":1200.205,"end":1201.885,"sentiment":"neutral","sentiment_score":-0.056993829707304634},{"text":"I've never heard some because that's, like well, that's your but that could be used for other things.","start":1201.885,"end":1206.445,"sentiment":"neutral","sentiment_score":-0.17355319029755062}],"sentiment":"neutral","sentiment_score":-0.12157197254102516,"num_words":92,"start":1176.0851,"end":1206.445},{"sentences":[{"text":"So what if you're saving that for your children or, like, that seems very unusual that they will get you to use your savings.","start":1206.445,"end":1212.89,"sentiment":"neutral","sentiment_score":-0.16597973586370549},{"text":"That doesn't seem right to me.","start":1212.89,"end":1214.67,"sentiment":"neutral","sentiment_score":-0.1311589889228344},{"text":"Annual leave and sick leave, yes, there are some insurers that will get you to do that first, but not saving.","start":1215.6901,"end":1221.87,"sentiment":"neutral","sentiment_score":-0.11803526005574635},{"text":"I will check-in and see if I can find a bit more information.","start":1223.425,"end":1226.485,"sentiment":"neutral","sentiment_score":0.06528178430520572},{"text":"When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do.","start":1227.105,"end":1234.865,"sentiment":"neutral","sentiment_score":0.04966941776294862}],"sentiment":"neutral","sentiment_score":-0.05116624114544768,"num_words":95,"start":1206.445,"end":1234.865},{"sentences":[{"text":"Was it about three years ago, did you say?","start":1234.865,"end":1236.78,"sentiment":"neutral","sentiment_score":-0.030994333740737703},{"text":"Yeah.","start":1238.3,"end":1238.8,"sentiment":"neutral","sentiment_score":0.025561150163412098},{"text":"Yeah.","start":1242.9401,"end":1243.4401,"sentiment":"neutral","sentiment_score":0.009558976627886295},{"text":"Yeah.","start":1245.9,"end":1246.4,"sentiment":"neutral","sentiment_score":-0.019152406603097916},{"text":"Yeah.","start":1256.3151,"end":1256.395,"sentiment":"neutral","sentiment_score":-0.093522809445858}],"sentiment":"neutral","sentiment_score":-0.02742339176340745,"num_words":13,"start":1234.865,"end":1256.395},{"sentences":[{"text":"Yeah.","start":1256.395,"end":1256.895,"sentiment":"neutral","sentiment_score":-0.1863163411617279},{"text":"Yeah.","start":1260.3151,"end":1260.8151,"sentiment":"neutral","sentiment_score":-0.12322606146335602},{"text":"No.","start":1261.91,"end":1262.41,"sentiment":"neutral","sentiment_score":-0.214241623878479},{"text":"Yeah.","start":1263.27,"end":1263.77,"sentiment":"neutral","sentiment_score":-0.07751797884702682},{"text":"Which is the income protection is meant to be for if you can't let yes.","start":1264.23,"end":1267.45,"sentiment":"neutral","sentiment_score":-0.11782069156567256}],"sentiment":"neutral","sentiment_score":-0.12466380941240411,"num_words":19,"start":1256.395,"end":1267.45},{"sentences":[{"text":"You do have a sixty day waiting period, but for them to asking you to use your savings, that doesn't seem right.","start":1268.23,"end":1273.85,"sentiment":"neutral","sentiment_score":-0.17455865459685976},{"text":"So I will once I get the TPA back so, yeah, I'll get the team to try to email that to you today.","start":1275.585,"end":1281.345,"sentiment":"neutral","sentiment_score":0.0656999378748562},{"text":"And if you can do that as soon as you get a chance, David, the sooner I can get information on this.","start":1281.345,"end":1286.645,"sentiment":"neutral","sentiment_score":0.15999350358139386},{"text":"And I will see if I can find out a bit more in regards to that.","start":1286.785,"end":1291.68,"sentiment":"neutral","sentiment_score":0.1570896958000958},{"text":"Because if you ever need to make a claim again, hopefully, you don't ever have to.","start":1291.68,"end":1296.58,"sentiment":"neutral","sentiment_score":0.1077587513718754}],"sentiment":"neutral","sentiment_score":0.05483071114679779,"num_words":99,"start":1268.23,"end":1296.58},{"sentences":[{"text":"If they're gonna do the same thing, then, like, exactly what you said, well, what is the point paying for something if they're not gonna pay it out?","start":1296.8,"end":1302.995,"sentiment":"neutral","sentiment_score":-0.19026111385651998},{"text":"Yeah.","start":1304.975,"end":1305.295,"sentiment":"neutral","sentiment_score":0.051538895815610886},{"text":"So I will investigate a little bit more for you.","start":1305.295,"end":1307.6951,"sentiment":"neutral","sentiment_score":0.010873272642493248},{"text":"And then next time we catch up, I'll see if I can find out a bit more in regards to it.","start":1307.6951,"end":1312.8151,"sentiment":"neutral","sentiment_score":0.1034186493073191},{"text":"And like I said, if anything ever would have happened to happen in the future, hopefully, never does, just call me because I will then tryna see if we can call host plus and do some of that for you to alleviate the stress because they make it difficult.","start":1312.8151,"end":1328.72,"sentiment":"neutral","sentiment_score":0.04233160120796184}],"sentiment":"neutral","sentiment_score":-0.008449536432093436,"num_words":109,"start":1296.8,"end":1328.72},{"sentences":[{"text":"Whereas we I argue with them all the time with different super funds and insurance.","start":1329.02,"end":1333.515,"sentiment":"neutral","sentiment_score":-0.07412168259421985},{"text":"So it's easier for us to tryna assist you in that way.","start":1333.575,"end":1336.695,"sentiment":"neutral","sentiment_score":0.318717785179615},{"text":"That's also what we are here to do if something ever were to happen.","start":1336.695,"end":1341.575,"sentiment":"neutral","sentiment_score":0.1377512966947896},{"text":"So leave it with me.","start":1341.575,"end":1342.855,"sentiment":"neutral","sentiment_score":0.1309328258037567},{"text":"I will check with host plan.","start":1342.855,"end":1344.66,"sentiment":"neutral","sentiment_score":0.10157474751273791}],"sentiment":"neutral","sentiment_score":0.11356574905892977,"num_words":52,"start":1329.02,"end":1344.66},{"sentences":[{"text":"And then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need to use your savings.","start":1344.8201,"end":1355.4,"sentiment":"neutral","sentiment_score":0.047053912315856324},{"text":"That that doesn't seem right.","start":1356.18,"end":1358.435,"sentiment":"neutral","sentiment_score":-0.22846886813640593},{"text":"So leave that with me, David.","start":1358.435,"end":1360.3551,"sentiment":"neutral","sentiment_score":0.06198400755723318},{"text":"I will find that out.","start":1360.3551,"end":1361.7351,"sentiment":"neutral","sentiment_score":0.14733522534370422},{"text":"Now the last couple of documents you will see, there is a performance report showing your individual investment.","start":1362.995,"end":1368.6951,"sentiment":"neutral","sentiment_score":0.11782149432433976}],"sentiment":"neutral","sentiment_score":0.05329993424507288,"num_words":78,"start":1344.8201,"end":1368.6951},{"sentences":[{"text":"Now, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement.","start":1369.53,"end":1375.79,"sentiment":"neutral","sentiment_score":0.22975355845231277},{"text":"So I will do a bit more in-depth in your investments.","start":1376.49,"end":1378.99,"sentiment":"neutral","sentiment_score":0.16707903282208877},{"text":"I'll also see if there are some that's not performing well that we wanna potentially swap out.","start":1379.13,"end":1384.125,"sentiment":"neutral","sentiment_score":-0.12703368703232093},{"text":"So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update.","start":1384.605,"end":1397.745,"sentiment":"neutral","sentiment_score":0.2376514551170329},{"text":"And then the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement.","start":1398.63,"end":1410.97,"sentiment":"neutral","sentiment_score":0.24978338518450338}],"sentiment":"neutral","sentiment_score":0.18609691312480153,"num_words":132,"start":1369.53,"end":1410.97},{"sentences":[{"text":"And that is just basically to say that you are happy to stay on as a client.","start":1411.735,"end":1416.075,"sentiment":"positive","sentiment_score":0.454647793489344},{"text":"The advice fee is not changing.","start":1417.255,"end":1419.335,"sentiment":"neutral","sentiment_score":0.17910060907403627},{"text":"It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract.","start":1419.335,"end":1429.4099,"sentiment":"neutral","sentiment_score":0.1318748032319404},{"text":"So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in contract.","start":1429.4099,"end":1437.51,"sentiment":"negative","sentiment_score":-0.42672675379684993},{"text":"Yeah.","start":1439.125,"end":1439.625,"sentiment":"neutral","sentiment_score":-0.003824423998594284}],"sentiment":"neutral","sentiment_score":-0.04207842244068161,"num_words":80,"start":1411.735,"end":1439.625},{"sentences":[{"text":"Now, David, do you have any questions before I let you go otherwise today?","start":1439.765,"end":1445.545,"sentiment":"neutral","sentiment_score":0.04608233006937163},{"text":"Mhmm.","start":1449.525,"end":1450.025,"sentiment":"neutral","sentiment_score":-0.008424120023846626},{"text":"Yes.","start":1460.11,"end":1460.61,"sentiment":"neutral","sentiment_score":0.002215413376688957},{"text":"Yes.","start":1464.445,"end":1464.945,"sentiment":"neutral","sentiment_score":0.04026775062084198},{"text":"Yes.","start":1465.005,"end":1465.405,"sentiment":"neutral","sentiment_score":0.06275385618209839}],"sentiment":"neutral","sentiment_score":0.04122030672927698,"num_words":18,"start":1439.765,"end":1465.405},{"sentences":[{"text":"So I've just sent you an email.","start":1465.405,"end":1467.005,"sentiment":"neutral","sentiment_score":0.10892301478556224},{"text":"It will be like a digital link.","start":1467.005,"end":1468.285,"sentiment":"neutral","sentiment_score":0.12123315994228635},{"text":"You can just find that online.","start":1468.285,"end":1469.905,"sentiment":"neutral","sentiment_score":0.10671528428792953},{"text":"Easy.","start":1471.485,"end":1471.885,"sentiment":"neutral","sentiment_score":0.238561749458313},{"text":"Now the other email for the TPS for you to sign will come from my colleague, Whitlam.","start":1471.885,"end":1476.705,"sentiment":"neutral","sentiment_score":0.08919746384901159}],"sentiment":"neutral","sentiment_score":0.10542904115036915,"num_words":38,"start":1465.405,"end":1476.705},{"sentences":[{"text":"You will cc me in the email, and it's usually that it's just one paper.","start":1477.1599,"end":1481.8999,"sentiment":"neutral","sentiment_score":0.045064865797758105},{"text":"It's just one document to print and sign and send back, but I'll get him to outline it in the email for you.","start":1481.96,"end":1487.6599,"sentiment":"neutral","sentiment_score":0.05769563741658045},{"text":"Yeah.","start":1488.6,"end":1489.095,"sentiment":"neutral","sentiment_score":0.17133930325508118},{"text":"That would be great.","start":1490.9349,"end":1491.995,"sentiment":"neutral","sentiment_score":0.302247054874897},{"text":"Yep.","start":1492.135,"end":1492.635,"sentiment":"neutral","sentiment_score":0.16482186317443848}],"sentiment":"neutral","sentiment_score":0.0806391371244734,"num_words":44,"start":1477.1599,"end":1492.635},{"sentences":[{"text":"Perfect.","start":1494.695,"end":1495.1749,"sentiment":"positive","sentiment_score":0.5506858825683594},{"text":"I'll get him to send it to you this morning, especially if you are going back to work this afternoon, and we'll get that underway.","start":1495.1749,"end":1500.155,"sentiment":"neutral","sentiment_score":0.28149366259574893},{"text":"Otherwise, as soon as I hear back from host plus and I've done the research and everything for you, I will give you a call and run through everything.","start":1501.015,"end":1507.69,"sentiment":"neutral","sentiment_score":0.0615292656524428},{"text":"Now it could take a couple of weeks depending on host plus and how quickly they get the information to me.","start":1508.15,"end":1515.69,"sentiment":"neutral","sentiment_score":-0.018955047641481673},{"text":"So leave it with me.","start":1516.645,"end":1517.605,"sentiment":"neutral","sentiment_score":0.022828583419322968}],"sentiment":"neutral","sentiment_score":0.1122032477531904,"num_words":81,"start":1494.695,"end":1517.605},{"sentences":[{"text":"I'll give you a call as soon as I have all the information.","start":1517.605,"end":1520.085,"sentiment":"neutral","sentiment_score":0.10705686160005055},{"text":"But if you need anything in the meantime, David, just give me a call.","start":1520.085,"end":1523.765,"sentiment":"neutral","sentiment_score":0.04844470481787409},{"text":"Okay?","start":1523.765,"end":1524.265,"sentiment":"neutral","sentiment_score":0.060704827308654785},{"text":"Mhmm.","start":1527.78,"end":1528.28,"sentiment":"neutral","sentiment_score":0.026642052456736565},{"text":"Yes.","start":1533.4601,"end":1533.78,"sentiment":"neutral","sentiment_score":0.1031305491924286}],"sentiment":"neutral","sentiment_score":0.07534808324029048,"num_words":30,"start":1517.605,"end":1533.78},{"sentences":[{"text":"Yep.","start":1533.78,"end":1534.28,"sentiment":"neutral","sentiment_score":0.0375976525247097},{"text":"Yeah.","start":1539.54,"end":1540.04,"sentiment":"neutral","sentiment_score":0.21545034646987915},{"text":"Yes.","start":1540.575,"end":1541.075,"sentiment":"neutral","sentiment_score":0.2395348846912384},{"text":"Rent and everything and house prices, everything is going through the roof.","start":1541.2949,"end":1544.4149,"sentiment":"neutral","sentiment_score":0.2935928826530774},{"text":"So I'll definitely factor that in through the portfolio and see if there are some options that are looking good that we can we can change that out for you.","start":1544.4149,"end":1553.375,"sentiment":"neutral","sentiment_score":0.3253988802433014}],"sentiment":"neutral","sentiment_score":0.3061703085071511,"num_words":45,"start":1533.78,"end":1553.375},{"sentences":[{"text":"So I'll do the research and then kind of present you with the recommendation, and then we can always take it from there.","start":1553.375,"end":1559.0,"sentiment":"neutral","sentiment_score":0.2326335906982422},{"text":"No problem at all.","start":1561.2229,"end":1561.9429,"sentiment":"positive","sentiment_score":0.6173713058233261},{"text":"Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day.","start":1561.9429,"end":1565.5629,"sentiment":"positive","sentiment_score":0.8287345558404923},{"text":"Mhmm.","start":1566.6628,"end":1567.1628,"sentiment":"neutral","sentiment_score":0.2112823873758316},{"text":"Thank you.","start":1567.3029,"end":1568.1229,"sentiment":"positive","sentiment_score":0.34706278145313263}],"sentiment":"positive","sentiment_score":0.5060031375288964,"num_words":50,"start":1553.375,"end":1568.1229},{"sentences":[{"text":"Bye.","start":1568.1829,"end":1568.6829,"sentiment":"neutral","sentiment_score":-0.10946696996688844}],"sentiment":"neutral","sentiment_score":-0.10946696996688844,"num_words":1,"start":1568.1829,"end":1568.6829}]}}]},{"alternatives":[{"transcript":"Alright. That's fine. So I could do for your annual review, honey. Oh, shit. Hello? Yeah. Sorry. I forgot about it. How long does it take? Yeah. I guess we could quickly do it. Okay. Yep. That's fine. Yeah. Full name is David Lee Henick. Date of birth, 06/1974, and address, 70 Daniel Avenue, Glen Derby Park. Yep. Just the usual review, make sure it's going up in the wrong direction and not going the wrong way because yeah. Yeah. Can you can you have two seconds? I'm just gonna ask me a question. Two seconds? Sorry. What was that? On the phone. Ask Kurt, with the cost of living and potentially not having a job because there's no fuel for us to work, can we draw back on super? Yeah. My partner was just saying that with the cost of living and the and the prices of diesel and all that sort of stuff, we're not gonna be able to draw back on our super am I if we release our job in that, are we? Yeah. Alright. Perfect. No. That's okay. I'll I'll I'll pass that bridge when I get to it. If if I get to it, it was just more of a question to see if it can be done. That's all. Yep. No worries. Thank you. Yep. That's correct. Yeah. She's my partner. Yeah. Yep. Something like that. Yep. No. No. Yep. Yeah. That's right. That's the RAM. Yep. No. That's that's changed now. That's about 29 because I sold my other u. That yeah. I took it up to 50 because I pulled some money out to do an alteration on the Ram, and I haven't I'm still waiting for that to be done. That's why I've got that money in that account at 29. No. That's correct. Sorry. We did get home about by six this morning. As in what way? No. No. Yep. Yeah. Yeah. No. Well, I've got these loans for seven years, so it'd probably be obviously, probably sixty five maybe. I think I think I've had it down as as moderate one after. I think that's what I had it down for. I can't remember. Yeah. Yeah. I think so. Because I'm trying to get ahead, and I don't I don't know how we're going. Not really sure on that one. That was a bit sketchy with the the what I could hear. It was cutting in and out quite a bit from what you did. 20%. You know what? That's still a fair bit, isn't it? I I don't know how to answer that one. Yeah. Yeah. Just do that because one of my questions would be to you about is wherever you guys are investing these money in shares, can we invest it into something like rentals because the way what's going on there the rent's gone through the roof and yeah. It's just ridiculous. Well, obviously, the rent's always going up and and stuff like that is instead of shares. Yeah. Yep. Yep. Yeah. Yeah. That's fine. I don't understand a lot of that. So all this sort of stuff. So that's why you guys thought. Yep. Yeah. Okay. Yes. Yep. Probably just leave it where it is with the obviously, I I need I want it to be maximized as much as I can to get the best return. Yes. Yep. Okay. Yep. Yep. Yes. Yeah. I've got it. Yep. Yep. Yeah. Yeah. I think so. That except for the income protection stuff. Because I had issues with that When I I came off a motorbike and broke my neck and my hip a couple of years ago. It's okay. And I said that I had income protection, and I tried contacting about my access to super because I needed to have three months off of work. And they said I had used every single cent in my savings account and everything else, all my holidays, all my sick days. Everything got dragged out before that even look at doing it, and then it was another six week wait on top of that after I'd used everything. And I end up just saying you might as well just cancel the income protection because it means jack shit for me because I end up going back to work after two months because I couldn't afford to live. That was Hostplus. I reckon it was because yeah. That was about three years ago now, and it it's never done me any favors ever at all. Yep. Yep. Yep. Alright. Yeah. Yeah. Yeah. About three years ago now because like I I I usually try to keep a buffer in my account of $10,000 just to try and to try and alleviate that problem. And I had to use it. It took it took me over a year to try and get that back up because I nothing. I literally had nothing left. So and not being able to work, it was just well, that's right. So yeah. Yeah. No. Yeah. Yep. Yeah. Yep. Yes. Yes. Yeah. Okay. No. I'm going back to work this afternoon. So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your investigation of what you need to do. And the other one's just to sign, is it, I can do? Yep. Yep. Cool. Alright. I'll try and get to that today in a minute, and we'll go from there. Yep. Yep. No worries. Alright. We'll see how you go with the the whether it's worth changing it to the the rental side if I get into that because that just that just seems to be going through the roof and not and not coming back down. So yeah. Okay. No worries. Thank you very much. No worries. Thank you so much. Okay. 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That's fine. So I could do for your annual review, honey. Oh, shit. Hello?\n\nYeah. Sorry. I forgot about it. How long does it take? Yeah.\n\nI guess we could quickly do it. Okay. Yep. That's fine. Yeah.\n\nFull name is David Lee Henick. Date of birth, 06/1974, and address, 70 Daniel Avenue, Glen Derby Park. Yep. Just the usual review, make sure it's going up in the wrong direction and not going the wrong way because yeah. Yeah.\n\nCan you can you have two seconds? I'm just gonna ask me a question. Two seconds? Sorry. What was that?\n\nOn the phone. Ask Kurt, with the cost of living and potentially not having a job because there's no fuel for us to work, can we draw back on super? Yeah. My partner was just saying that with the cost of living and the and the prices of diesel and all that sort of stuff, we're not gonna be able to draw back on our super am I if we release our job in that, are we? Yeah.\n\nAlright. Perfect. No. That's okay. I'll I'll I'll pass that bridge when I get to it.\n\nIf if I get to it, it was just more of a question to see if it can be done. That's all. Yep. No worries. Thank you.\n\nYep. That's correct. Yeah. She's my partner. Yeah.\n\nYep. Something like that. Yep. No. No.\n\nYep. Yeah. That's right. That's the RAM. Yep.\n\nNo. That's that's changed now. That's about 29 because I sold my other u. That yeah. I took it up to 50 because I pulled some money out to do an alteration on the Ram, and I haven't I'm still waiting for that to be done.\n\nThat's why I've got that money in that account at 29. No. That's correct. Sorry. We did get home about by six this morning.\n\nAs in what way? No. No. Yep. Yeah.\n\nYeah. No. Well, I've got these loans for seven years, so it'd probably be obviously, probably sixty five maybe. I think I think I've had it down as as moderate one after. I think that's what I had it down for.\n\nI can't remember. Yeah. Yeah. I think so. Because I'm trying to get ahead, and I don't I don't know how we're going.\n\nNot really sure on that one. That was a bit sketchy with the the what I could hear. It was cutting in and out quite a bit from what you did. 20%. You know what?\n\nThat's still a fair bit, isn't it? I I don't know how to answer that one. Yeah. Yeah. Just do that because one of my questions would be to you about is wherever you guys are investing these money in shares, can we invest it into something like rentals because the way what's going on there the rent's gone through the roof and yeah.\n\nIt's just ridiculous. Well, obviously, the rent's always going up and and stuff like that is instead of shares. Yeah. Yep. Yep.\n\nYeah. Yeah. That's fine. I don't understand a lot of that. So all this sort of stuff.\n\nSo that's why you guys thought. Yep. Yeah. Okay. Yes.\n\nYep. Probably just leave it where it is with the obviously, I I need I want it to be maximized as much as I can to get the best return. Yes. Yep. Okay.\n\nYep. Yep. Yes. Yeah. I've got it.\n\nYep. Yep. Yeah. Yeah. I think so.\n\nThat except for the income protection stuff. Because I had issues with that When I I came off a motorbike and broke my neck and my hip a couple of years ago. It's okay. And I said that I had income protection, and I tried contacting about my access to super because I needed to have three months off of work. And they said I had used every single cent in my savings account and everything else, all my holidays, all my sick days.\n\nEverything got dragged out before that even look at doing it, and then it was another six week wait on top of that after I'd used everything. And I end up just saying you might as well just cancel the income protection because it means jack shit for me because I end up going back to work after two months because I couldn't afford to live. That was Hostplus. I reckon it was because yeah. That was about three years ago now, and it it's never done me any favors ever at all.\n\nYep. Yep. Yep. Alright. Yeah.\n\nYeah. Yeah. About three years ago now because like I I I usually try to keep a buffer in my account of $10,000 just to try and to try and alleviate that problem. And I had to use it. It took it took me over a year to try and get that back up because I nothing.\n\nI literally had nothing left. So and not being able to work, it was just well, that's right. So yeah. Yeah. No.\n\nYeah. Yep. Yeah. Yep. Yes.\n\nYes. Yeah. Okay. No. I'm going back to work this afternoon.\n\nSo can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your investigation of what you need to do. And the other one's just to sign, is it, I can do? Yep. Yep. Cool.\n\nAlright. I'll try and get to that today in a minute, and we'll go from there. Yep. Yep. No worries.\n\nAlright. We'll see how you go with the the whether it's worth changing it to the the rental side if I get into that because that just that just seems to be going through the roof and not and not coming back down. So yeah. Okay. No worries.\n\nThank you very much. No worries. Thank you so much. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Alright.","start":1.52,"end":1.92,"sentiment":"neutral","sentiment_score":0.24473810195922852},{"text":"That's fine.","start":1.92,"end":2.74,"sentiment":"positive","sentiment_score":0.44957688450813293},{"text":"So I could do for your annual review, honey.","start":16.985,"end":19.245,"sentiment":"neutral","sentiment_score":0.08274809560841984},{"text":"Oh, shit.","start":20.025,"end":21.005001,"sentiment":"neutral","sentiment_score":-0.2880480885505676},{"text":"Hello?","start":23.225,"end":23.725,"sentiment":"neutral","sentiment_score":-0.09405265748500824}],"sentiment":"neutral","sentiment_score":0.0812317264576753,"num_words":15,"start":1.52,"end":23.725},{"sentences":[{"text":"Yeah.","start":26.505001,"end":26.904999,"sentiment":"neutral","sentiment_score":-0.06569318473339081},{"text":"Sorry.","start":26.904999,"end":27.225,"sentiment":"neutral","sentiment_score":-0.1934669315814972},{"text":"I forgot about 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going back to work this afternoon.","start":1447.195,"end":1448.815,"sentiment":"neutral","sentiment_score":-0.14172170524086272}],"sentiment":"neutral","sentiment_score":-0.08907199109142477,"num_words":11,"start":1398.96,"end":1448.815},{"sentences":[{"text":"So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your investigation of what you need to do.","start":1449.675,"end":1461.81,"sentiment":"neutral","sentiment_score":0.032505957906444866},{"text":"And the other one's just to sign, is it, I can do?","start":1461.81,"end":1464.87,"sentiment":"neutral","sentiment_score":0.012857622311760982},{"text":"Yep.","start":1470.735,"end":1471.235,"sentiment":"neutral","sentiment_score":0.1785050630569458},{"text":"Yep.","start":1487.71,"end":1488.11,"sentiment":"neutral","sentiment_score":0.11005615442991255},{"text":"Cool.","start":1488.11,"end":1488.4299,"sentiment":"neutral","sentiment_score":0.19910673797130585}],"sentiment":"neutral","sentiment_score":0.035078792149821916,"num_words":60,"start":1449.675,"end":1488.4299},{"sentences":[{"text":"Alright.","start":1488.4299,"end":1488.75,"sentiment":"neutral","sentiment_score":0.15298329293727875},{"text":"I'll try and get to that today in a minute, and we'll go from there.","start":1488.75,"end":1494.45,"sentiment":"neutral","sentiment_score":0.16747830559810004},{"text":"Yep.","start":1499.415,"end":1499.915,"sentiment":"neutral","sentiment_score":0.19495916366577148},{"text":"Yep.","start":1524.03,"end":1524.53,"sentiment":"neutral","sentiment_score":0.06438697874546051},{"text":"No worries.","start":1524.83,"end":1525.39,"sentiment":"neutral","sentiment_score":0.08472545444965363}],"sentiment":"neutral","sentiment_score":0.15469774641096593,"num_words":20,"start":1488.4299,"end":1525.39},{"sentences":[{"text":"Alright.","start":1525.39,"end":1525.71,"sentiment":"neutral","sentiment_score":0.11550899595022202},{"text":"We'll see how you go with the the whether it's worth changing it to the the rental side if I get into that because that just that just seems to be going through the roof and not and not coming back down.","start":1525.71,"end":1539.115,"sentiment":"neutral","sentiment_score":0.028812498386417116},{"text":"So yeah.","start":1539.115,"end":1551.53,"sentiment":"neutral","sentiment_score":0.24369750916957855},{"text":"Okay.","start":1558.965,"end":1559.445,"sentiment":"neutral","sentiment_score":0.3006811738014221},{"text":"No worries.","start":1559.445,"end":1560.005,"sentiment":"positive","sentiment_score":0.3808949440717697}],"sentiment":"neutral","sentiment_score":0.05990625017633041,"num_words":48,"start":1525.39,"end":1560.005},{"sentences":[{"text":"Thank you very much.","start":1560.005,"end":1561.145,"sentiment":"positive","sentiment_score":0.747463583946228},{"text":"No worries.","start":1565.525,"end":1566.005,"sentiment":"positive","sentiment_score":0.4324661046266556},{"text":"Thank you so much.","start":1566.005,"end":1567.065,"sentiment":"positive","sentiment_score":0.7226168066263199},{"text":"Okay.","start":1567.4028,"end":1567.4829,"sentiment":"positive","sentiment_score":0.3751506209373474},{"text":"Bye.","start":1567.4829,"end":1567.9829,"sentiment":"neutral","sentiment_score":0.30649322271347046}],"sentiment":"positive","sentiment_score":0.6189081345995268,"num_words":12,"start":1560.005,"end":1567.9829}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Alright. That's fine.\n\nChannel 0: Good morning. This is Veronica from Financial. I have David looking for his annual review. Is he around or a bit busy?\n\nChannel 1: So I could do for your annual review, honey. Oh, shit. Hello?\n\nChannel 0: Hello, miss David?\n\nChannel 1: Yeah. Sorry. I forgot about it.\n\nChannel 0: No. It's okay. Do you still have time, or would you like me to reschedule for a more suitable time?\n\nChannel 1: How long does it take?\n\nChannel 0: Probably about half an hour or so.\n\nChannel 1: Yeah. I guess we could quickly do it.\n\nChannel 0: Yeah? Okay. I'll tryna be a bit quick for you.\n\nChannel 1: Okay.\n\nChannel 0: And 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: Yep. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Full name is David Lee Henick. Date of birth, 06/1974, and address, 70 Daniel Avenue, Glen Derby Park.\n\nChannel 0: Yeah. Perfect. That's exactly what I have here. Now just before I do kind of jump into the under review,\n\nChannel 1: Yep.\n\nChannel 0: and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review?\n\nChannel 1: Just the usual review, make sure it's going up in\n\nChannel 0: Yeah.\n\nChannel 1: the wrong direction and not going the wrong way because\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David. I know you spoke to my colleague a couple of months ago. Some recent information should be up to date, so I'll try to make it quick for you.\n\nChannel 1: Yeah. Can you can you have two seconds? I'm just gonna ask me a question. Two seconds?\n\nChannel 0: Of course.\n\nChannel 1: Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: What was that? On the phone. Ask Kurt, with the cost of living and potentially not having a job because there's no fuel for us to work, can we draw back on super? Yeah. My partner was just saying that with the cost of living and the and the prices of diesel and all that sort of stuff, we're not gonna be able to draw back on our super am I if we release our job in that, are we?\n\nChannel 0: Potentially. So there there are restrictions. So you can access Uber under something that's called financial hardship. Now in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks. So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks,\n\nChannel 1: Yeah.\n\nChannel 0: And you need to take some money out of Super. So, obviously, cover expenses and stuff like that. Usually, it bills and expenses in arrears. So if it is that you cannot meet the repayment, there are some\n\nChannel 1: Alright.\n\nChannel 0: ways you can access that under financial hardship. What I can do for you is I can put it all in an email for you if you would like. That\n\nChannel 1: Perfect.\n\nChannel 0: way you have the information if anything were to happen, and you can also kind of see there what the criteria is. Would that be helpful?\n\nChannel 1: No. That's okay. I'll I'll I'll pass that bridge when I get\n\nChannel 0: Yeah?\n\nChannel 1: to\n\nChannel 0: Okay.\n\nChannel 1: it. If if I\n\nChannel 0: Yeah.\n\nChannel 1: get to it, it was just more of a question\n\nChannel 0: Yeah.\n\nChannel 1: to see\n\nChannel 0: Yeah.\n\nChannel 1: if it can be done. That's all.\n\nChannel 0: Yeah. And it is a good question. Hopefully, it doesn't come to it. But if it is that you do lose your job and you you struggle, just give me a call, and I'll I'll see where where you are, and we can then kind of talk further about it.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. Otherwise, your personal information, I have you here in relationship and no financial dependence. Is that correct?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Perfect. Next up, Kim, I have Annette listed. Is that still the case?\n\nChannel 1: Yeah. She's my partner.\n\nChannel 0: Yep. Perfect. At the moment, has anything changed with your occupation? Are you still working as the truck driver for the time being?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Income, I have here of around a 156,000.\n\nChannel 1: Something like that. Yep.\n\nChannel 0: Yep. Perfect. And your employer, they just pay that standard 12% contribution, and you are not making any additional contribution in to suit, are you?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Yep. Now assets and liabilities, I'll go through what I have here, and you just let me know if anything has changed to make it quicker.\n\nChannel 1: Yep.\n\nChannel 0: I have a huge side of around a 150,000 with about a 142 owing.\n\nChannel 1: Yeah. That's right. That's the RAM.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Savings account, about 19,000.\n\nChannel 1: No. That's that's changed now. That's about\n\nChannel 0: Yep.\n\nChannel 1: 29 because I sold my other u.\n\nChannel 0: Perfect. Okay. So about 29. Do you also have the old car loan at about 44,000?\n\nChannel 1: That yeah. I took it up to 50\n\nChannel 0: Okay.\n\nChannel 1: because I pulled some money out to do an alteration on the Ram, and I haven't I'm still waiting for that to be done.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: why I've\n\nChannel 0: That\n\nChannel 1: got\n\nChannel 0: is\n\nChannel 1: that money in that account at 29.\n\nChannel 0: yeah. Okay. No. Perfect. That's okay.\n\nAny other new assets in the last twelve months there, David? That's perfect. Health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: No. That's correct. Sorry. We\n\nChannel 0: Perfect.\n\nChannel 1: did get home about by six this morning.\n\nChannel 0: Oh, no. That's okay. Any changes in your health in the last twelve months?\n\nChannel 1: As in what way?\n\nChannel 0: Like, any illnesses or diagnosis or injuries or anything?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. Estate planning wise, I do have here you have a will in place.\n\nChannel 1: Yep.\n\nChannel 0: Your beneficiaries will do so. So in the event that something happens to you, I have 50% to Caitlin and 50% to Wyatt. Is that still the case?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super.\n\nChannel 1: Yeah.\n\nChannel 0: I'll try to make it short for you. Just let me know whatever feels the most appropriate for you, and there's no right or wrong answer. Now have you ever bought direct shares?\n\nChannel 1: No.\n\nChannel 0: Look on the stock market. No. Perfect. At the moment, when do you think you would like to retire and draw an income from your super for retirement? Are you planning around 60, 65, 67?\n\nChannel 1: Well, I've got these loans for seven years, so it'd probably be obviously, probably sixty five maybe.\n\nChannel 0: Yep. Okay. Perfect. Otherwise, when it comes to taking on risk for superannuation, are you willing to accept very high risk, high moderate, or a small amount of risk in order to make sure that you stay on top of the rising prices and and everything, thinking about your superannuation only?\n\nChannel 1: I think I think I've had it down as as moderate one\n\nChannel 0: Yeah.\n\nChannel 1: after. I think that's what I had it down for. I can't remember.\n\nChannel 0: Yeah. And you still feel kind of about moderate, willing to take some risk, but not max? Yep.\n\nChannel 1: Yeah. Yeah. I think so. Because I'm trying to get ahead, and I don't I don't\n\nChannel 0: Yeah.\n\nChannel 1: know how we're going.\n\nChannel 0: Yeah. I will I will give you a bit of an update on that as well. Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset? So that means then you are selling when the prices have already dropped.\n\nChannel 1: Not really sure on that one. That was a bit sketchy with the the what I could hear. It was cutting in and out quite a bit\n\nChannel 0: Okay.\n\nChannel 1: from what you did.\n\nChannel 0: No. That's okay. Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped. Or would you be kind of a bit more neutral, just kinda wait and see what\n\nChannel 1: 20%. You know what?\n\nChannel 0: happens?\n\nChannel 1: That's still a fair bit, isn't it?\n\nChannel 0: Yeah. Or do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already?\n\nChannel 1: I I don't know how to answer that one.\n\nChannel 0: That's okay. If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going on.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Are you okay with that?\n\nChannel 1: Yeah. Just do that\n\nChannel 0: Yeah.\n\nChannel 1: because one of my questions would be to you about is wherever you guys are investing these money in shares, can we invest it into something like rentals because the way what's going on there the rent's gone through the roof and yeah. It's\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: a bit\n\nChannel 1: ridiculous.\n\nChannel 0: more property wise.\n\nChannel 1: Well, obviously, the rent's always going up and and stuff like that is instead of shares. Yeah.\n\nChannel 0: We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it. I'm more than happy to do that and see if we need to, you know, make make any changes as well. Because, obviously, the last twelve months have been a lot of fluctuations in the market. That's a lot that's\n\nChannel 1: Yep.\n\nChannel 0: happened.\n\nChannel 1: Yep.\n\nChannel 0: First, you obviously had The US and Trump and tariffs and everything. We did see a bit of fluctuation. And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market. The last twelve months have been a bit more turbulent.\n\nChannel 1: Yeah.\n\nChannel 0: So it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you. And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay. Well, the way things are going, if there's no changes, where would you be at 65? You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at? Would you be happy for me to to do that for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah. So\n\nChannel 1: don't understand a lot of that. So all this sort of stuff. So that's why you guys thought.\n\nChannel 0: yeah. And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth. So I will do it on the back end. I don't have to keep you on the phone for it. But,\n\nChannel 1: Yep.\n\nChannel 0: basically, I would like to go into your super in a bit more detail. So I have actually just sent you an email. If you're a bit busy, I can let you have a read over that in your own time. If you then have any questions, you can always let me know.\n\nChannel 1: Yeah.\n\nChannel 0: I will quickly just run through the most important thing. But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David.\n\nChannel 1: Okay.\n\nChannel 0: Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long term.\n\nChannel 1: Yes.\n\nChannel 0: Now when we are looking at the how much money is invested in the different areas, we see 80% in net yields, so that will be your share and stuff. So you will have your international shares and also property and then also Australian shares. And that's\n\nChannel 1: Yep.\n\nChannel 0: what's going to grow your super the most, but also fluctuate a little bit. And then we have 20% in defensive, and that will be, like, your cash, your gold, your fixed interest to limit fluctuations a little bit. Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive? Would you like to look at decreasing it a little bit one step down, or where are you thinking?\n\nChannel 1: Probably just leave it where it is\n\nChannel 0: Yep.\n\nChannel 1: with the\n\nChannel 0: Yep. We can definitely\n\nChannel 1: obviously,\n\nChannel 0: do that.\n\nChannel 1: I I need I want it to be maximized as much as I\n\nChannel 0: Yeah.\n\nChannel 1: can to get\n\nChannel 0: Yep.\n\nChannel 1: the best return.\n\nChannel 0: Yes. Exactly. And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on. We see we want to allow ideally six years until retirement. So if you are\n\nChannel 1: Yes.\n\nChannel 0: thinking about, you know, sixty five roughly,\n\nChannel 1: Yep.\n\nChannel 0: then being in a growth portfolio from a time point of view is still suitable for you.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now the last thing I do run over is just those documents I have sent through there, David. So when you have a moment, have a read over them. Any questions, let me know. Otherwise, if you don't have any questions, I will just need you to sign those documents.\n\nThat will send it through to me. I'll\n\nChannel 1: Yep.\n\nChannel 0: get that all loaded in the back end for you, and I'll also get working on this research. So when you do have a look at these documents, you will see through financial services side. Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time.\n\nChannel 1: Yep.\n\nChannel 0: You we will also have a bit of a super and insurance summary. Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account. Now with your Host Plus, that was, obviously kept a little bit of money in there for your insurances. And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you. So what I will get the team to do is do you have access to a printer at all, David, or no?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: You do?\n\nChannel 1: I've got it.\n\nChannel 0: Okay. So what I'm going to do is I will get the team to email that to you. We'll just need you to print it off, sign it, and send it back. I will send that off to host plus, and that just allows me to do more research on the account. Because you obviously have contributions going into host plus, so we wanna make sure that we have the most amount of money in the fund that's going to give you the most growth.\n\nSo whether that\n\nChannel 1: Yep.\n\nChannel 0: be moving some to hub twenty four or host plus, I would like to do a bit more research just to make sure that we have the most amount of money in the fund that's going to grow for you. But\n\nChannel 1: Yep.\n\nChannel 0: I would just need that TPA return so that I can get updated information. And I would also get like to get a bit more on the insurances because what I have is a little bit updated. But last time we did the research, you had your life and total permanent disability insurance still in there of about 240,000. And you also have a bit of an income protection as well, which is about 2,500 a month. It all comes out from host plus, and premium was around 1,478.\n\nBut, again, I'd like to just get updated research for you, and I will go through all of that when I do have the statement of advice for you to show you how much how much is in there when I've kind of gone through that. Does that make sense?\n\nChannel 1: Yeah. Yeah. I think so. That except for the income protection stuff. Because I had issues with that\n\nChannel 0: Yeah. Okay.\n\nChannel 1: When I I came\n\nChannel 0: I'm\n\nChannel 1: off a motorbike and broke my neck and my hip a\n\nChannel 0: sorry\n\nChannel 1: couple of\n\nChannel 0: to\n\nChannel 1: years\n\nChannel 0: hear\n\nChannel 1: ago.\n\nChannel 0: that. Yeah.\n\nChannel 1: It's okay. And I said that I had income protection, and I tried contacting about my access to super\n\nChannel 0: Yeah.\n\nChannel 1: because I needed to have three months off of work.\n\nChannel 0: Yeah.\n\nChannel 1: And they said I had used every single cent in my savings account and everything else, all my holidays, all my sick days. Everything got dragged out before that even look at doing it, and then it was another six week wait on top of that after I'd used everything. And I end up just saying you might as well just cancel the income protection because it means jack shit for me because I end up going back to work after two months because\n\nChannel 0: Yeah.\n\nChannel 1: I couldn't afford to live.\n\nChannel 0: Yeah. Who said that? Was that Host Plus, or was it someone from\n\nChannel 1: That was Hostplus. I reckon\n\nChannel 0: you?\n\nChannel 1: it was\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: yeah. That was about three years ago now, and\n\nChannel 0: Okay.\n\nChannel 1: it it's never done me any favors ever at all.\n\nChannel 0: Yeah. Yeah. Okay. Yeah. Because it does seem unusual.\n\nSo if anything ever happens, just call me because we can then liaise with host plus. I'm trying to do the forms to make that easier for you because it's a very stressful time, and the last thing you wanna have to do is deal with the insurance and super fund side of it. Now because it is kind of your your group cover, they can be a little bit trickier. Group cover doesn't mean that you didn't apply for it, so it's not as tailored as some other options. But it's still a good cover, and it's a little bit cheaper.\n\nAnd if you do have a little bit of a riskier occupation, which the insurer for you, unfortunately, being a truck driver would say that it is a little bit riskier, which\n\nChannel 1: Yep.\n\nChannel 0: is why we we kept the cover at the time. So I will check on that income protection for you. Now it is correct that sometimes the insurers will ask you first to use sick leave or annual leave.\n\nChannel 1: Yep.\n\nChannel 0: But savings, no. I've never heard some because that's, like well, that's your but that could be used for other things. So what if you're saving that for your children or, like, that seems very unusual that they will get\n\nChannel 1: Yep.\n\nChannel 0: you to use your savings. That\n\nChannel 1: Alright.\n\nChannel 0: doesn't seem right\n\nChannel 1: Yeah.\n\nChannel 0: to me. Annual leave and sick leave, yes, there are some insurers that will get you to do that first, but not saving.\n\nChannel 1: Yeah.\n\nChannel 0: I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do. Was it about three years ago, did you say?\n\nChannel 1: Yeah. About three years ago\n\nChannel 0: Yeah.\n\nChannel 1: now because like I I I usually try to keep a buffer in my\n\nChannel 0: Yeah.\n\nChannel 1: account of $10,000 just to\n\nChannel 0: Yeah.\n\nChannel 1: try and to try and alleviate that problem. And I had to use it. It took it took me over a year to try and get that back up because\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I nothing. I literally had nothing left.\n\nChannel 0: Yeah.\n\nChannel 1: So and not\n\nChannel 0: No.\n\nChannel 1: being able to work,\n\nChannel 0: Yeah. Which\n\nChannel 1: it\n\nChannel 0: is\n\nChannel 1: was\n\nChannel 0: the income\n\nChannel 1: just\n\nChannel 0: protection is meant to be for if you\n\nChannel 1: well,\n\nChannel 0: can't\n\nChannel 1: that's\n\nChannel 0: let yes.\n\nChannel 1: right.\n\nChannel 0: You\n\nChannel 1: So\n\nChannel 0: do have a\n\nChannel 1: yeah.\n\nChannel 0: sixty day waiting period, but for them to asking you to use your savings, that doesn't seem right.\n\nChannel 1: Yeah. No.\n\nChannel 0: So I will once I get the TPA back so, yeah, I'll get the team to try to email that to you today. And if you can do that as soon as you get a chance, David, the sooner I can get information on this. And I will see if I can find out a bit more in regards to that. Because if you ever need to make a claim again, hopefully, you don't ever have to. If\n\nChannel 1: Yeah.\n\nChannel 0: they're gonna do the same thing, then, like, exactly what you said, well, what is the point paying for something if they're not gonna pay it out? Yeah. So I will investigate a little bit more for you. And then next time we catch up, I'll see if I can find out a bit more in regards to it. And like I said, if anything ever would have happened to happen in the future, hopefully, never does, just call me because I will then tryna see if we can call host plus and do some of that for you to alleviate the stress because they\n\nChannel 1: Yep.\n\nChannel 0: make it difficult. Whereas we I argue with them all the time with different super\n\nChannel 1: Yeah.\n\nChannel 0: funds and insurance. So it's easier for us to tryna assist you in that way. That's also what we are here to do\n\nChannel 1: Yep.\n\nChannel 0: if something ever were to happen. So leave it with me. I will check with host plan. And then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need\n\nChannel 1: Yes.\n\nChannel 0: to use your savings. That that doesn't seem right. So leave that with me, David. I will find that out. Now the last couple of documents you will see, there is a performance report showing your individual investment.\n\nNow, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement. So I will do a bit more in-depth in your investments. I'll also see if there are some that's not performing well that we wanna potentially swap out. So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update. And then\n\nChannel 1: Yes.\n\nChannel 0: the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement. And that is just basically to say that you are happy to stay on as a client. The advice fee is not changing. It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract. So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in contract.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Now, David, do you have any questions before I let you go otherwise today?\n\nChannel 1: No. I'm going back to work this afternoon.\n\nChannel 0: Mhmm.\n\nChannel 1: So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your\n\nChannel 0: Yes.\n\nChannel 1: investigation of what you need to do. And the other one's just to sign, is it, I can do?\n\nChannel 0: Yes. Yes. So I've just sent you an email. It will be like a digital link. You can just find that online.\n\nChannel 1: Yep.\n\nChannel 0: Easy. Now the other email for the TPS for you to sign will come from my colleague, Whitlam. You will cc me in the email, and it's usually that it's just one paper. It's just one document to print and sign and send back, but I'll get him to outline it in the email for you.\n\nChannel 1: Yep. Cool. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: I'll try and get to that today in\n\nChannel 0: That\n\nChannel 1: a\n\nChannel 0: would\n\nChannel 1: minute,\n\nChannel 0: be great. Yep.\n\nChannel 1: and we'll go from there.\n\nChannel 0: Perfect. I'll get him to send it to you this morning, especially if you are going back to work this afternoon, and we'll get that\n\nChannel 1: Yep.\n\nChannel 0: underway. Otherwise, as soon as I hear back from host plus and I've done the research and everything for you, I will give you a call and run through everything. Now it could take a couple of weeks depending on host plus and how quickly they get the information to me. So leave it with me. I'll give you a call as soon as I have all the information.\n\nBut if you need anything in the meantime, David, just give me a call. Okay?\n\nChannel 1: Yep. No worries. Alright. We'll see how you go with the the\n\nChannel 0: Mhmm.\n\nChannel 1: whether it's worth changing it to the the rental side if I get into that because\n\nChannel 0: Yes. Yep.\n\nChannel 1: that just that just seems to be going through the roof and not and not coming back down. So\n\nChannel 0: Yeah. Yes. Rent and everything and house prices, everything is going through the roof. So I'll definitely factor that in through the portfolio and see if there are some options that are looking good that\n\nChannel 1: yeah.\n\nChannel 0: we can we can change that out for you. So I'll do the research and then kind of present you with the recommendation, and then we can always take it from there.\n\nChannel 1: Okay. No worries. Thank you very much.\n\nChannel 0: No problem at all. Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day.\n\nChannel 1: No worries. Thank you so much.\n\nChannel 0: Mhmm. Thank\n\nChannel 1: Okay. Bye.\n\nChannel 0: you. Bye.","paragraphs":[{"sentences":[{"text":"Alright.","start":1.52,"end":1.92,"sentiment":"neutral","sentiment_score":0.24473810195922852},{"text":"That's fine.","start":1.92,"end":2.74,"sentiment":"positive","sentiment_score":0.44957688450813293}],"sentiment":"positive","sentiment_score":0.3812972903251648,"channel":1,"num_words":3,"start":1.52,"end":2.74},{"sentences":[{"text":"Good morning.","start":4.4,"end":5.2999997,"sentiment":"positive","sentiment_score":0.43147343397140503},{"text":"This is Veronica from Financial.","start":6.0,"end":7.94,"sentiment":"neutral","sentiment_score":0.22516173422336577},{"text":"I have David looking for his annual review.","start":9.28,"end":12.16,"sentiment":"neutral","sentiment_score":0.11314665246754885},{"text":"Is he around or a bit busy?","start":12.16,"end":14.58,"sentiment":"neutral","sentiment_score":0.0852168942136424}],"sentiment":"neutral","sentiment_score":0.15865668264979665,"channel":0,"num_words":22,"start":4.4,"end":14.58},{"sentences":[{"text":"So I could do for your annual review, honey.","start":16.985,"end":19.245,"sentiment":"neutral","sentiment_score":0.08274809560841984},{"text":"Oh, shit.","start":20.025,"end":21.005001,"sentiment":"neutral","sentiment_score":-0.2880480885505676},{"text":"Hello?","start":23.225,"end":23.725,"sentiment":"neutral","sentiment_score":-0.09405265748500824}],"sentiment":"neutral","sentiment_score":0.006215335490802924,"channel":1,"num_words":12,"start":16.985,"end":23.725},{"sentences":[{"text":"Hello, miss David?","start":24.325,"end":25.785,"sentiment":"neutral","sentiment_score":-0.04797097792228063}],"sentiment":"neutral","sentiment_score":-0.04797097792228063,"channel":0,"num_words":3,"start":24.325,"end":25.785},{"sentences":[{"text":"Yeah.","start":26.505001,"end":26.904999,"sentiment":"neutral","sentiment_score":-0.06569318473339081},{"text":"Sorry.","start":26.904999,"end":27.225,"sentiment":"neutral","sentiment_score":-0.1934669315814972},{"text":"I forgot about it.","start":27.225,"end":28.525,"sentiment":"neutral","sentiment_score":-0.19985132291913033}],"sentiment":"neutral","sentiment_score":-0.1764275679985682,"channel":1,"num_words":6,"start":26.505001,"end":28.525},{"sentences":[{"text":"No.","start":28.82,"end":29.14,"sentiment":"neutral","sentiment_score":-0.2392919510602951},{"text":"It's okay.","start":29.14,"end":29.88,"sentiment":"neutral","sentiment_score":-0.08865204825997353},{"text":"Do you still have time, or would you like me to reschedule for a more suitable time?","start":30.02,"end":34.6,"sentiment":"neutral","sentiment_score":-0.05715123805053094}],"sentiment":"neutral","sentiment_score":-0.06940835472196341,"channel":0,"num_words":20,"start":28.82,"end":34.6},{"sentences":[{"text":"How long does it take?","start":37.58,"end":38.8,"sentiment":"neutral","sentiment_score":-0.03462885245680809}],"sentiment":"neutral","sentiment_score":-0.03462885245680809,"channel":1,"num_words":5,"start":37.58,"end":38.8},{"sentences":[{"text":"Probably about half an hour or so.","start":39.954998,"end":42.774998,"sentiment":"neutral","sentiment_score":-0.02249490948660033}],"sentiment":"neutral","sentiment_score":-0.02249490948660033,"channel":0,"num_words":7,"start":39.954998,"end":42.774998},{"sentences":[{"text":"Yeah.","start":47.515,"end":48.015,"sentiment":"neutral","sentiment_score":0.07909882068634033},{"text":"I guess we could quickly do it.","start":48.075,"end":49.775,"sentiment":"neutral","sentiment_score":0.11090662862573351}],"sentiment":"neutral","sentiment_score":0.10693065263330936,"channel":1,"num_words":8,"start":47.515,"end":49.775},{"sentences":[{"text":"Yeah?","start":49.954998,"end":50.434998,"sentiment":"neutral","sentiment_score":0.07724624872207642},{"text":"Okay.","start":50.434998,"end":50.754997,"sentiment":"neutral","sentiment_score":0.0977041944861412},{"text":"I'll tryna be a bit quick for you.","start":50.754997,"end":52.614998,"sentiment":"neutral","sentiment_score":0.11771533265709877}],"sentiment":"neutral","sentiment_score":0.11166731044650077,"channel":0,"num_words":10,"start":49.954998,"end":52.614998},{"sentences":[{"text":"Okay.","start":52.875,"end":53.375,"sentiment":"neutral","sentiment_score":0.07338149100542068}],"sentiment":"neutral","sentiment_score":0.07338149100542068,"channel":1,"num_words":1,"start":52.875,"end":53.375},{"sentences":[{"text":"And 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":54.2,"end":61.42,"sentiment":"neutral","sentiment_score":0.0433344308907787}],"sentiment":"neutral","sentiment_score":0.0433344308907787,"channel":0,"num_words":30,"start":54.2,"end":61.42},{"sentences":[{"text":"Yep.","start":61.68,"end":62.079998,"sentiment":"neutral","sentiment_score":0.1659996211528778},{"text":"That's fine.","start":62.079998,"end":62.82,"sentiment":"neutral","sentiment_score":0.2992609739303589}],"sentiment":"neutral","sentiment_score":0.25484052300453186,"channel":1,"num_words":3,"start":61.68,"end":62.82},{"sentences":[{"text":"Perfect.","start":63.16,"end":63.64,"sentiment":"positive","sentiment_score":0.4330776929855346},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":63.64,"end":70.994995,"sentiment":"neutral","sentiment_score":0.10152402606147987}],"sentiment":"neutral","sentiment_score":0.11380379150311153,"channel":0,"num_words":27,"start":63.16,"end":70.994995},{"sentences":[{"text":"Yeah.","start":72.195,"end":72.695,"sentiment":"neutral","sentiment_score":0.05348080396652222},{"text":"Full name is David Lee Henick.","start":72.91499,"end":74.695,"sentiment":"neutral","sentiment_score":0.04722295391062895},{"text":"Date of birth, 06/1974, and address, 70 Daniel Avenue, Glen Derby Park.","start":74.755,"end":79.73499,"sentiment":"neutral","sentiment_score":0.06979835374901693}],"sentiment":"neutral","sentiment_score":0.06181046170623679,"channel":1,"num_words":19,"start":72.195,"end":79.73499},{"sentences":[{"text":"Yeah.","start":80.11,"end":80.43,"sentiment":"neutral","sentiment_score":0.24100229144096377},{"text":"Perfect.","start":80.43,"end":80.93,"sentiment":"positive","sentiment_score":0.490283727645874},{"text":"That's exactly what I have here.","start":80.990005,"end":83.090004,"sentiment":"positive","sentiment_score":0.5235466957092285},{"text":"Now just before I do kind of jump into the under review,","start":83.55,"end":86.19,"sentiment":"neutral","sentiment_score":0.07121624673406284}],"sentiment":"neutral","sentiment_score":0.23635805770754814,"channel":0,"num_words":20,"start":80.11,"end":86.19},{"sentences":[{"text":"Yep.","start":86.05,"end":86.55,"sentiment":"neutral","sentiment_score":0.05452603101730347}],"sentiment":"neutral","sentiment_score":0.05452603101730347,"channel":1,"num_words":1,"start":86.05,"end":86.55},{"sentences":[{"text":"and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review?","start":86.19,"end":96.924995,"sentiment":"neutral","sentiment_score":0.061169335316564585}],"sentiment":"neutral","sentiment_score":0.061169335316564585,"channel":0,"num_words":37,"start":86.19,"end":96.924995},{"sentences":[{"text":"Just the usual review, make sure it's going up in","start":97.409996,"end":99.97,"sentiment":"neutral","sentiment_score":-0.014594267681241035}],"sentiment":"neutral","sentiment_score":-0.014594267681241035,"channel":1,"num_words":10,"start":97.409996,"end":99.97},{"sentences":[{"text":"Yeah.","start":99.945,"end":100.445,"sentiment":"neutral","sentiment_score":-0.14316561818122864}],"sentiment":"neutral","sentiment_score":-0.14316561818122864,"channel":0,"num_words":1,"start":99.945,"end":100.445},{"sentences":[{"text":"the wrong direction and not going the wrong way because","start":99.97,"end":102.525,"sentiment":"neutral","sentiment_score":-0.30597489774227143}],"sentiment":"neutral","sentiment_score":-0.30597489774227143,"channel":1,"num_words":10,"start":99.97,"end":102.525},{"sentences":[{"text":"Yeah.","start":102.744995,"end":103.244995,"sentiment":"neutral","sentiment_score":-0.10273675620555878},{"text":"Yeah.","start":103.625,"end":104.125,"sentiment":"neutral","sentiment_score":-0.02359485812485218}],"sentiment":"neutral","sentiment_score":-0.06316580716520548,"channel":0,"num_words":2,"start":102.744995,"end":104.125},{"sentences":[{"text":"yeah.","start":104.115,"end":104.615,"sentiment":"neutral","sentiment_score":0.002879079431295395}],"sentiment":"neutral","sentiment_score":0.002879079431295395,"channel":1,"num_words":1,"start":104.115,"end":104.615},{"sentences":[{"text":"Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David.","start":106.28001,"end":112.380005,"sentiment":"neutral","sentiment_score":0.056562229343082596},{"text":"I know you spoke to my colleague a couple of months ago.","start":112.840004,"end":115.880005,"sentiment":"neutral","sentiment_score":0.04919288866221905},{"text":"Some recent information should be up to date, so I'll try to make it quick for you.","start":115.880005,"end":120.22,"sentiment":"neutral","sentiment_score":0.12678856621770299}],"sentiment":"neutral","sentiment_score":0.07782022239497075,"channel":0,"num_words":52,"start":106.28001,"end":120.22},{"sentences":[{"text":"Yeah.","start":120.66,"end":121.060005,"sentiment":"neutral","sentiment_score":0.05112448334693909},{"text":"Can you can you have two seconds?","start":121.060005,"end":122.42,"sentiment":"neutral","sentiment_score":0.03039406692343099},{"text":"I'm just gonna ask me a question.","start":122.42,"end":123.86,"sentiment":"neutral","sentiment_score":0.006765369325876236},{"text":"Two seconds?","start":123.86,"end":124.6,"sentiment":"neutral","sentiment_score":-0.005652549676597118}],"sentiment":"neutral","sentiment_score":0.017643261043464437,"channel":1,"num_words":17,"start":120.66,"end":124.6},{"sentences":[{"text":"Of course.","start":124.545,"end":124.865,"sentiment":"neutral","sentiment_score":-0.020055747590959072}],"sentiment":"neutral","sentiment_score":-0.020055747590959072,"channel":0,"num_words":2,"start":124.545,"end":124.865},{"sentences":[{"text":"Sorry.","start":124.740005,"end":125.240005,"sentiment":"neutral","sentiment_score":-0.05915340781211853}],"sentiment":"neutral","sentiment_score":-0.05915340781211853,"channel":1,"num_words":1,"start":124.740005,"end":125.240005},{"sentences":[{"text":"Yeah.","start":124.865,"end":125.365,"sentiment":"neutral","sentiment_score":-0.040858276188373566}],"sentiment":"neutral","sentiment_score":-0.040858276188373566,"channel":0,"num_words":1,"start":124.865,"end":125.365},{"sentences":[{"text":"What was that?","start":125.54,"end":126.020004,"sentiment":"neutral","sentiment_score":-0.060526677717765175},{"text":"On the phone.","start":126.18,"end":127.0,"sentiment":"neutral","sentiment_score":-0.07071784883737564},{"text":"Ask Kurt, with the cost of living and potentially not having a job because there's no fuel for us to work, can we draw back on super?","start":127.14,"end":135.425,"sentiment":"neutral","sentiment_score":-0.11112538669948224},{"text":"Yeah.","start":136.125,"end":136.625,"sentiment":"neutral","sentiment_score":-0.018294338136911392},{"text":"My partner was just saying that with the cost of living and the and the prices of diesel and all that sort of stuff, we're not gonna be able to draw back on our super am I if we release our job in that, are we?","start":140.52501,"end":151.98999,"sentiment":"neutral","sentiment_score":-0.13512345646386562}],"sentiment":"neutral","sentiment_score":-0.12035115445032715,"channel":1,"num_words":80,"start":125.54,"end":151.98999},{"sentences":[{"text":"Potentially.","start":152.895,"end":153.395,"sentiment":"neutral","sentiment_score":-0.114113911986351},{"text":"So there there are restrictions.","start":153.77501,"end":155.315,"sentiment":"neutral","sentiment_score":-0.09400704205036163},{"text":"So you can access Uber under something that's called financial hardship.","start":155.455,"end":158.99501,"sentiment":"neutral","sentiment_score":-0.06784708459268916},{"text":"Now in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks.","start":160.17001,"end":166.35,"sentiment":"neutral","sentiment_score":-0.05059884991496801},{"text":"So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks,","start":166.89,"end":175.185,"sentiment":"neutral","sentiment_score":-0.07197614124527683}],"sentiment":"neutral","sentiment_score":-0.06696562288561836,"channel":0,"num_words":64,"start":152.895,"end":175.185},{"sentences":[{"text":"Yeah.","start":175.91,"end":176.41,"sentiment":"neutral","sentiment_score":-0.02814066782593727}],"sentiment":"neutral","sentiment_score":-0.02814066782593727,"channel":1,"num_words":1,"start":175.91,"end":176.41},{"sentences":[{"text":"And you need to take some money out of Super.","start":176.145,"end":178.94499,"sentiment":"neutral","sentiment_score":-0.08402466699481011},{"text":"So, obviously, cover expenses and stuff like that.","start":178.94499,"end":183.345,"sentiment":"neutral","sentiment_score":-0.06128339050337672},{"text":"Usually, it bills and expenses in arrears.","start":183.345,"end":186.305,"sentiment":"neutral","sentiment_score":-0.07556061712758881},{"text":"So if it is that you cannot meet the repayment, there are some","start":186.305,"end":189.70999,"sentiment":"neutral","sentiment_score":-0.054825286022745646}],"sentiment":"neutral","sentiment_score":-0.06768860084641921,"channel":0,"num_words":38,"start":176.145,"end":189.70999},{"sentences":[{"text":"Alright.","start":189.585,"end":190.085,"sentiment":"neutral","sentiment_score":0.045914411544799805}],"sentiment":"neutral","sentiment_score":0.045914411544799805,"channel":1,"num_words":1,"start":189.585,"end":190.085},{"sentences":[{"text":"ways you can access that under financial hardship.","start":189.70999,"end":192.37,"sentiment":"neutral","sentiment_score":0.06899450393393636},{"text":"What I can do for you is I can put it all in an email for you if you would like.","start":192.75,"end":197.41,"sentiment":"neutral","sentiment_score":0.1027644741393271},{"text":"That","start":197.47,"end":197.70999,"sentiment":"neutral","sentiment_score":0.15016701817512512}],"sentiment":"neutral","sentiment_score":0.09533923355241616,"channel":0,"num_words":30,"start":189.70999,"end":197.70999},{"sentences":[{"text":"Perfect.","start":197.57251,"end":198.07251,"sentiment":"positive","sentiment_score":0.40159645676612854}],"sentiment":"positive","sentiment_score":0.40159645676612854,"channel":1,"num_words":1,"start":197.57251,"end":198.07251},{"sentences":[{"text":"way you have the information if anything were to happen, and you can also kind of see there what the criteria is.","start":197.70999,"end":204.61,"sentiment":"neutral","sentiment_score":0.22547594491731038},{"text":"Would that be helpful?","start":204.645,"end":205.545,"sentiment":"neutral","sentiment_score":0.18160719983279705}],"sentiment":"neutral","sentiment_score":0.21872690721200064,"channel":0,"num_words":26,"start":197.70999,"end":205.545},{"sentences":[{"text":"No.","start":205.88,"end":206.04,"sentiment":"neutral","sentiment_score":-0.0329754576086998},{"text":"That's okay.","start":206.04,"end":206.68,"sentiment":"neutral","sentiment_score":0.017059389501810074},{"text":"I'll I'll I'll pass that bridge when I get","start":206.68,"end":208.92,"sentiment":"neutral","sentiment_score":0.033124045779307686}],"sentiment":"neutral","sentiment_score":0.024938311117390793,"channel":1,"num_words":12,"start":205.88,"end":208.92},{"sentences":[{"text":"Yeah?","start":208.88501,"end":209.205,"sentiment":"neutral","sentiment_score":0.009617389179766178}],"sentiment":"neutral","sentiment_score":0.009617389179766178,"channel":0,"num_words":1,"start":208.88501,"end":209.205},{"sentences":[{"text":"to","start":208.92,"end":209.23999,"sentiment":"neutral","sentiment_score":0.006039382889866829}],"sentiment":"neutral","sentiment_score":0.006039382889866829,"channel":1,"num_words":1,"start":208.92,"end":209.23999},{"sentences":[{"text":"Okay.","start":209.205,"end":209.705,"sentiment":"neutral","sentiment_score":0.012574704363942146}],"sentiment":"neutral","sentiment_score":0.012574704363942146,"channel":0,"num_words":1,"start":209.205,"end":209.705},{"sentences":[{"text":"it.","start":209.23999,"end":209.4,"sentiment":"neutral","sentiment_score":0.00867494661360979},{"text":"If if I","start":209.4,"end":209.95999,"sentiment":"neutral","sentiment_score":-0.0006431445168952147}],"sentiment":"neutral","sentiment_score":0.0016863782657310367,"channel":1,"num_words":4,"start":209.23999,"end":209.95999},{"sentences":[{"text":"Yeah.","start":209.925,"end":210.425,"sentiment":"neutral","sentiment_score":-0.0014905110001564026}],"sentiment":"neutral","sentiment_score":-0.0014905110001564026,"channel":0,"num_words":1,"start":209.925,"end":210.425},{"sentences":[{"text":"get to it, it was just more of a question","start":209.95999,"end":211.95999,"sentiment":"neutral","sentiment_score":-0.0131404934450984}],"sentiment":"neutral","sentiment_score":-0.0131404934450984,"channel":1,"num_words":10,"start":209.95999,"end":211.95999},{"sentences":[{"text":"Yeah.","start":211.60501,"end":212.10501,"sentiment":"neutral","sentiment_score":-0.009169979952275751}],"sentiment":"neutral","sentiment_score":-0.009169979952275751,"channel":0,"num_words":1,"start":211.60501,"end":212.10501},{"sentences":[{"text":"to see","start":211.95999,"end":212.7,"sentiment":"neutral","sentiment_score":-0.011453983373939991}],"sentiment":"neutral","sentiment_score":-0.011453983373939991,"channel":1,"num_words":2,"start":211.95999,"end":212.7},{"sentences":[{"text":"Yeah.","start":213.125,"end":213.625,"sentiment":"neutral","sentiment_score":-0.010232826694846152}],"sentiment":"neutral","sentiment_score":-0.010232826694846152,"channel":0,"num_words":1,"start":213.125,"end":213.625},{"sentences":[{"text":"if it can 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only?","start":454.195,"end":473.90002,"sentiment":"neutral","sentiment_score":-0.0006103864870965481}],"sentiment":"neutral","sentiment_score":0.012840589033622368,"channel":0,"num_words":51,"start":450.39,"end":473.90002},{"sentences":[{"text":"I think I think I've had it down as as moderate one","start":478.305,"end":484.945,"sentiment":"neutral","sentiment_score":-0.133816451455156}],"sentiment":"neutral","sentiment_score":-0.133816451455156,"channel":1,"num_words":12,"start":478.305,"end":484.945},{"sentences":[{"text":"Yeah.","start":484.695,"end":485.195,"sentiment":"neutral","sentiment_score":-0.09431977570056917}],"sentiment":"neutral","sentiment_score":-0.09431977570056917,"channel":0,"num_words":1,"start":484.695,"end":485.195},{"sentences":[{"text":"after.","start":484.945,"end":485.445,"sentiment":"neutral","sentiment_score":-0.09636019170284273},{"text":"I think that's what I had it down for.","start":485.505,"end":487.025,"sentiment":"neutral","sentiment_score":-0.14739037636253569},{"text":"I can't remember.","start":487.025,"end":487.845,"sentiment":"neutral","sentiment_score":-0.13802440961201987}],"sentiment":"neutral","sentiment_score":-0.14130360060013258,"channel":1,"num_words":13,"start":484.945,"end":487.845},{"sentences":[{"text":"Yeah.","start":488.135,"end":488.455,"sentiment":"neutral","sentiment_score":-0.03455547243356705},{"text":"And you still feel kind of about moderate, willing to take some risk, but not max?","start":488.455,"end":492.875,"sentiment":"neutral","sentiment_score":-0.025505768368020654},{"text":"Yep.","start":493.08,"end":493.58,"sentiment":"neutral","sentiment_score":-0.0005561871221289039}],"sentiment":"neutral","sentiment_score":-0.024622441858001467,"channel":0,"num_words":18,"start":488.135,"end":493.58},{"sentences":[{"text":"Yeah.","start":494.01,"end":494.41,"sentiment":"neutral","sentiment_score":-0.0011496301740407944},{"text":"Yeah.","start":494.41,"end":494.65,"sentiment":"neutral","sentiment_score":-0.005502467975020409},{"text":"I think so.","start":494.65,"end":495.37,"sentiment":"neutral","sentiment_score":-0.021141507973273594},{"text":"Because I'm trying to get ahead, and I don't I don't","start":495.37,"end":497.69,"sentiment":"neutral","sentiment_score":-0.11317820914767006}],"sentiment":"neutral","sentiment_score":-0.08218980766832829,"channel":1,"num_words":16,"start":494.01,"end":497.69},{"sentences":[{"text":"Yeah.","start":497.63998,"end":498.13998,"sentiment":"neutral","sentiment_score":-0.10184741020202635}],"sentiment":"neutral","sentiment_score":-0.10184741020202635,"channel":0,"num_words":1,"start":497.63998,"end":498.13998},{"sentences":[{"text":"know how we're going.","start":497.69,"end":498.66998,"sentiment":"neutral","sentiment_score":-0.09770822990685701}],"sentiment":"neutral","sentiment_score":-0.09770822990685701,"channel":1,"num_words":4,"start":497.69,"end":498.66998},{"sentences":[{"text":"Yeah.","start":499.15997,"end":499.65997,"sentiment":"neutral","sentiment_score":0.035277560353279114},{"text":"I will I will give you a bit of an update on that as well.","start":499.72,"end":502.86,"sentiment":"neutral","sentiment_score":0.0680969034632047},{"text":"Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset?","start":504.52,"end":533.115,"sentiment":"neutral","sentiment_score":-0.03598687150515616},{"text":"So that means then you are selling when the prices have already dropped.","start":533.575,"end":537.35504,"sentiment":"neutral","sentiment_score":-0.09426678889072858}],"sentiment":"neutral","sentiment_score":-0.02796042994211573,"channel":0,"num_words":109,"start":499.15997,"end":537.35504},{"sentences":[{"text":"Not really sure on that one.","start":540.815,"end":541.935,"sentiment":"neutral","sentiment_score":-0.1702417160073916},{"text":"That was a bit sketchy with the the what I could hear.","start":541.935,"end":544.915,"sentiment":"neutral","sentiment_score":-0.32419565071662265},{"text":"It was cutting in and out quite a bit","start":545.33,"end":547.43,"sentiment":"neutral","sentiment_score":-0.24545515908135307}],"sentiment":"neutral","sentiment_score":-0.26373683468059256,"channel":1,"num_words":27,"start":540.815,"end":547.43},{"sentences":[{"text":"Okay.","start":547.91003,"end":548.41003,"sentiment":"neutral","sentiment_score":-0.09406407177448271}],"sentiment":"neutral","sentiment_score":-0.09406407177448271,"channel":0,"num_words":1,"start":547.91003,"end":548.41003},{"sentences":[{"text":"from what you did.","start":548.21,"end":549.27,"sentiment":"neutral","sentiment_score":-0.0770174115896225}],"sentiment":"neutral","sentiment_score":-0.0770174115896225,"channel":1,"num_words":4,"start":548.21,"end":549.27},{"sentences":[{"text":"No.","start":549.75,"end":550.23004,"sentiment":"neutral","sentiment_score":-0.11945157498121262},{"text":"That's okay.","start":550.23004,"end":551.05005,"sentiment":"neutral","sentiment_score":-0.055355560034513474},{"text":"Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped.","start":552.79004,"end":568.295,"sentiment":"neutral","sentiment_score":-0.0265797044628778},{"text":"Or would you be kind of a bit more neutral, just kinda wait and see what","start":568.295,"end":577.41003,"sentiment":"neutral","sentiment_score":-0.07247014530003071}],"sentiment":"neutral","sentiment_score":-0.04237739437459303,"channel":0,"num_words":56,"start":549.75,"end":577.41003},{"sentences":[{"text":"20%.","start":577.52,"end":578.48004,"sentiment":"neutral","sentiment_score":-0.05276712775230408},{"text":"You know what?","start":578.48004,"end":579.12,"sentiment":"neutral","sentiment_score":-0.10833267867565155}],"sentiment":"neutral","sentiment_score":-0.09444129094481468,"channel":1,"num_words":4,"start":577.52,"end":579.12},{"sentences":[{"text":"happens?","start":579.11,"end":579.61,"sentiment":"neutral","sentiment_score":-0.07898550480604172}],"sentiment":"neutral","sentiment_score":-0.07898550480604172,"channel":0,"num_words":1,"start":579.11,"end":579.61},{"sentences":[{"text":"That's still a fair bit, isn't it?","start":579.12,"end":581.06,"sentiment":"neutral","sentiment_score":-0.11236746609210968}],"sentiment":"neutral","sentiment_score":-0.11236746609210968,"channel":1,"num_words":7,"start":579.12,"end":581.06},{"sentences":[{"text":"Yeah.","start":581.31,"end":581.81,"sentiment":"neutral","sentiment_score":-0.02592886984348297},{"text":"Or do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already?","start":582.91,"end":591.975,"sentiment":"neutral","sentiment_score":-0.14425107452177233}],"sentiment":"neutral","sentiment_score":-0.14055350562557578,"channel":0,"num_words":32,"start":581.31,"end":591.975},{"sentences":[{"text":"I I don't know how to answer that one.","start":597.83,"end":599.69,"sentiment":"neutral","sentiment_score":-0.28124017847908866}],"sentiment":"neutral","sentiment_score":-0.28124017847908866,"channel":1,"num_words":9,"start":597.83,"end":599.69},{"sentences":[{"text":"That's okay.","start":600.53,"end":601.27,"sentiment":"neutral","sentiment_score":0.0041353837586939335},{"text":"If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going 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yeah.","start":614.475,"end":631.01,"sentiment":"neutral","sentiment_score":-0.006452857235143351},{"text":"It's","start":631.01,"end":631.17004,"sentiment":"neutral","sentiment_score":-0.1524161398410797}],"sentiment":"neutral","sentiment_score":-0.00977020456709645,"channel":1,"num_words":44,"start":614.475,"end":631.17004},{"sentences":[{"text":"So","start":631.04,"end":631.2,"sentiment":"neutral","sentiment_score":-0.18241263926029205}],"sentiment":"neutral","sentiment_score":-0.18241263926029205,"channel":0,"num_words":1,"start":631.04,"end":631.2},{"sentences":[{"text":"just","start":631.17004,"end":631.41003,"sentiment":"neutral","sentiment_score":-0.26608067750930786}],"sentiment":"neutral","sentiment_score":-0.26608067750930786,"channel":1,"num_words":1,"start":631.17004,"end":631.41003},{"sentences":[{"text":"a 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shares.","start":634.05005,"end":639.75,"sentiment":"neutral","sentiment_score":-0.08697591442614794},{"text":"Yeah.","start":639.89,"end":640.39,"sentiment":"neutral","sentiment_score":0.17232942581176758}],"sentiment":"neutral","sentiment_score":-0.07172265911803526,"channel":1,"num_words":17,"start":634.05005,"end":640.39},{"sentences":[{"text":"We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it.","start":641.615,"end":650.175,"sentiment":"neutral","sentiment_score":0.26028742290594997},{"text":"I'm more than happy to do that and see if we need to, you know, make make any changes as well.","start":650.175,"end":657.07996,"sentiment":"positive","sentiment_score":0.5221362270060039},{"text":"Because, obviously, the last twelve months have been a lot of fluctuations in the market.","start":657.07996,"end":662.27997,"sentiment":"neutral","sentiment_score":-0.18547621766726177},{"text":"That's a lot 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and Trump and tariffs and everything.","start":664.51996,"end":667.95996,"sentiment":"neutral","sentiment_score":-0.10473546447853248},{"text":"We did see a bit of fluctuation.","start":667.95996,"end":669.53503,"sentiment":"neutral","sentiment_score":-0.105916045073952},{"text":"And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market.","start":670.075,"end":675.85504,"sentiment":"neutral","sentiment_score":-0.13647469207644464},{"text":"The last twelve months have been a bit more turbulent.","start":676.47504,"end":679.135,"sentiment":"neutral","sentiment_score":-0.18658072203397752}],"sentiment":"neutral","sentiment_score":-0.13456201941079024,"channel":0,"num_words":49,"start":664.51996,"end":679.135},{"sentences":[{"text":"Yeah.","start":679.865,"end":680.365,"sentiment":"neutral","sentiment_score":-0.08115050196647644}],"sentiment":"neutral","sentiment_score":-0.08115050196647644,"channel":1,"num_words":1,"start":679.865,"end":680.365},{"sentences":[{"text":"So it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you.","start":679.91504,"end":687.67,"sentiment":"positive","sentiment_score":0.5599078301872525},{"text":"And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay.","start":688.45,"end":700.805,"sentiment":"neutral","sentiment_score":0.25704021255175274},{"text":"Well, the way things are going, if there's no changes, where would you be at 65?","start":700.805,"end":706.90497,"sentiment":"neutral","sentiment_score":0.16310727316886187},{"text":"You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at?","start":707.285,"end":714.12,"sentiment":"neutral","sentiment_score":0.25389887392520905},{"text":"Would you be happy for me to to do that for you?","start":714.12,"end":716.78,"sentiment":"positive","sentiment_score":0.46449120839436847}],"sentiment":"positive","sentiment_score":0.3346809350754604,"channel":0,"num_words":121,"start":679.91504,"end":716.78},{"sentences":[{"text":"Yeah.","start":716.99,"end":717.39,"sentiment":"neutral","sentiment_score":0.20977483689785004},{"text":"That's fine.","start":717.39,"end":718.13,"sentiment":"neutral","sentiment_score":0.29928848147392273}],"sentiment":"neutral","sentiment_score":0.2694505999485652,"channel":1,"num_words":3,"start":716.99,"end":718.13},{"sentences":[{"text":"Yeah.","start":718.04004,"end":718.52,"sentiment":"neutral","sentiment_score":0.19338132441043857}],"sentiment":"neutral","sentiment_score":0.19338132441043857,"channel":0,"num_words":1,"start":718.04004,"end":718.52},{"sentences":[{"text":"I","start":718.35,"end":718.67,"sentiment":"neutral","sentiment_score":0.09234626591205596}],"sentiment":"neutral","sentiment_score":0.09234626591205596,"channel":1,"num_words":1,"start":718.35,"end":718.67},{"sentences":[{"text":"Yeah.","start":718.52,"end":718.6,"sentiment":"neutral","sentiment_score":0.05934368446469307},{"text":"So","start":718.6,"end":718.68,"sentiment":"neutral","sentiment_score":-0.04381635785102844}],"sentiment":"neutral","sentiment_score":0.0077636633068323135,"channel":0,"num_words":2,"start":718.52,"end":718.68},{"sentences":[{"text":"don't understand a lot of that.","start":718.67,"end":720.11,"sentiment":"neutral","sentiment_score":-0.24714652200539908},{"text":"So all this sort of stuff.","start":720.11,"end":721.47,"sentiment":"neutral","sentiment_score":-0.11023480693499248},{"text":"So that's why you guys thought.","start":721.47,"end":722.85,"sentiment":"neutral","sentiment_score":0.027154332026839256}],"sentiment":"neutral","sentiment_score":-0.11007566563785076,"channel":1,"num_words":18,"start":718.67,"end":722.85},{"sentences":[{"text":"yeah.","start":723.24005,"end":723.56,"sentiment":"neutral","sentiment_score":0.256626158952713},{"text":"And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth.","start":723.56,"end":731.535,"sentiment":"positive","sentiment_score":0.46806643496860156},{"text":"So I will do it on the back end.","start":731.535,"end":732.735,"sentiment":"neutral","sentiment_score":0.29491125378343797},{"text":"I don't have to keep you on the phone for it.","start":732.735,"end":734.835,"sentiment":"neutral","sentiment_score":0.14560094678943808},{"text":"But,","start":734.975,"end":735.295,"sentiment":"neutral","sentiment_score":0.16555947065353394}],"sentiment":"positive","sentiment_score":0.36589435786008834,"channel":0,"num_words":55,"start":723.24005,"end":735.295},{"sentences":[{"text":"Yep.","start":735.055,"end":735.555,"sentiment":"neutral","sentiment_score":0.2246476411819458}],"sentiment":"neutral","sentiment_score":0.2246476411819458,"channel":1,"num_words":1,"start":735.055,"end":735.555},{"sentences":[{"text":"basically, I would like to go into your super in a bit more detail.","start":735.295,"end":741.075,"sentiment":"neutral","sentiment_score":0.23133691080978938},{"text":"So I have actually just sent you an email.","start":741.135,"end":743.99,"sentiment":"neutral","sentiment_score":0.2053747938738929},{"text":"If you're a bit busy, I can let you have a read over that in your own time.","start":743.99,"end":748.97,"sentiment":"neutral","sentiment_score":0.18684196844696999},{"text":"If you then have any questions, you can always let me know.","start":749.27,"end":752.73,"sentiment":"neutral","sentiment_score":0.1836327314376831}],"sentiment":"neutral","sentiment_score":0.20101581331131593,"channel":0,"num_words":53,"start":735.295,"end":752.73},{"sentences":[{"text":"Yeah.","start":753.435,"end":753.935,"sentiment":"neutral","sentiment_score":0.17500314116477966}],"sentiment":"neutral","sentiment_score":0.17500314116477966,"channel":1,"num_words":1,"start":753.435,"end":753.935},{"sentences":[{"text":"I will quickly just run through the most important thing.","start":753.83,"end":756.55,"sentiment":"neutral","sentiment_score":0.20485667288303375},{"text":"But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David.","start":756.55,"end":768.925,"sentiment":"neutral","sentiment_score":0.12692221276023807}],"sentiment":"neutral","sentiment_score":0.14463459006087345,"channel":0,"num_words":44,"start":753.83,"end":768.925},{"sentences":[{"text":"Okay.","start":769.5,"end":770.0,"sentiment":"neutral","sentiment_score":0.15033060312271118}],"sentiment":"neutral","sentiment_score":0.15033060312271118,"channel":1,"num_words":1,"start":769.5,"end":770.0},{"sentences":[{"text":"Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long 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defensive?","start":825.85,"end":834.75,"sentiment":"neutral","sentiment_score":-0.015339923683892597},{"text":"Would you like to look at decreasing it a little bit one step down, or where are you thinking?","start":834.97003,"end":841.91504,"sentiment":"neutral","sentiment_score":-0.05927845198465021}],"sentiment":"neutral","sentiment_score":0.09895552739035338,"channel":0,"num_words":80,"start":809.35,"end":841.91504},{"sentences":[{"text":"Probably just leave it where it is","start":844.655,"end":846.17505,"sentiment":"neutral","sentiment_score":0.12116244328873498}],"sentiment":"neutral","sentiment_score":0.12116244328873498,"channel":1,"num_words":7,"start":844.655,"end":846.17505},{"sentences":[{"text":"Yep.","start":846.055,"end":846.555,"sentiment":"neutral","sentiment_score":0.1632055938243866}],"sentiment":"neutral","sentiment_score":0.1632055938243866,"channel":0,"num_words":1,"start":846.055,"end":846.555},{"sentences":[{"text":"with 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know.","start":897.185,"end":899.205,"sentiment":"neutral","sentiment_score":0.12009924352169037},{"text":"Otherwise, if you don't have any questions, I will just need you to sign those documents.","start":900.065,"end":905.365,"sentiment":"neutral","sentiment_score":0.13306669471785426}],"sentiment":"neutral","sentiment_score":0.1535115694882823,"channel":0,"num_words":51,"start":889.49,"end":905.365},{"sentences":[{"text":"That will send it through to 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documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time.","start":920.625,"end":928.085,"sentiment":"neutral","sentiment_score":0.15605771685800246}],"sentiment":"neutral","sentiment_score":0.20023834705352783,"channel":0,"num_words":66,"start":908.51996,"end":928.085},{"sentences":[{"text":"Yep.","start":928.465,"end":928.965,"sentiment":"neutral","sentiment_score":0.13366906344890594}],"sentiment":"neutral","sentiment_score":0.13366906344890594,"channel":1,"num_words":1,"start":928.465,"end":928.965},{"sentences":[{"text":"You we will also have a bit of a super and insurance summary.","start":928.625,"end":932.885,"sentiment":"neutral","sentiment_score":0.14295388815494683},{"text":"Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus 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do","start":1336.695,"end":1338.5549,"sentiment":"neutral","sentiment_score":0.2549998927861452}],"sentiment":"neutral","sentiment_score":0.2586307366905005,"channel":0,"num_words":23,"start":1332.615,"end":1338.5549},{"sentences":[{"text":"Yep.","start":1339.1951,"end":1339.32,"sentiment":"neutral","sentiment_score":0.15936671197414398}],"sentiment":"neutral","sentiment_score":0.15936671197414398,"channel":1,"num_words":1,"start":1339.1951,"end":1339.32},{"sentences":[{"text":"if something ever were to happen.","start":1339.735,"end":1341.575,"sentiment":"neutral","sentiment_score":-0.01858016476035118},{"text":"So leave it with me.","start":1341.575,"end":1342.855,"sentiment":"neutral","sentiment_score":0.1309328258037567},{"text":"I will check with host plan.","start":1342.855,"end":1344.66,"sentiment":"neutral","sentiment_score":0.10157474751273791},{"text":"And then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need","start":1344.8201,"end":1354.3401,"sentiment":"neutral","sentiment_score":0.05911764372140169}],"sentiment":"neutral","sentiment_score":0.061707673234897745,"channel":0,"num_words":57,"start":1339.735,"end":1354.3401},{"sentences":[{"text":"Yes.","start":1354.205,"end":1354.705,"sentiment":"neutral","sentiment_score":-0.032130200415849686}],"sentiment":"neutral","sentiment_score":-0.032130200415849686,"channel":1,"num_words":1,"start":1354.205,"end":1354.705},{"sentences":[{"text":"to use your savings.","start":1354.3401,"end":1355.4,"sentiment":"neutral","sentiment_score":-0.07358340173959732},{"text":"That that doesn't seem right.","start":1356.18,"end":1358.435,"sentiment":"neutral","sentiment_score":-0.22846886813640593},{"text":"So leave that with me, David.","start":1358.435,"end":1360.3551,"sentiment":"neutral","sentiment_score":0.06198400755723318},{"text":"I will find that out.","start":1360.3551,"end":1361.7351,"sentiment":"neutral","sentiment_score":0.14733522534370422},{"text":"Now the last couple of documents you will see, there is a performance report showing your individual investment.","start":1362.995,"end":1368.6951,"sentiment":"neutral","sentiment_score":0.11782149432433976}],"sentiment":"neutral","sentiment_score":0.04717602953314781,"channel":0,"num_words":38,"start":1354.3401,"end":1368.6951},{"sentences":[{"text":"Now, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement.","start":1369.53,"end":1375.79,"sentiment":"neutral","sentiment_score":0.22975355845231277},{"text":"So I will do a bit more in-depth in your investments.","start":1376.49,"end":1378.99,"sentiment":"neutral","sentiment_score":0.16707903282208877},{"text":"I'll also see if there are some that's not performing well that we wanna potentially swap out.","start":1379.13,"end":1384.125,"sentiment":"neutral","sentiment_score":-0.12703368703232093},{"text":"So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update.","start":1384.605,"end":1397.745,"sentiment":"neutral","sentiment_score":0.2376514551170329},{"text":"And then","start":1398.63,"end":1399.27,"sentiment":"neutral","sentiment_score":0.15036574006080627}],"sentiment":"neutral","sentiment_score":0.1662353307949108,"channel":0,"num_words":103,"start":1369.53,"end":1399.27},{"sentences":[{"text":"Yes.","start":1398.96,"end":1399.46,"sentiment":"neutral","sentiment_score":0.22705690562725067}],"sentiment":"neutral","sentiment_score":0.22705690562725067,"channel":1,"num_words":1,"start":1398.96,"end":1399.46},{"sentences":[{"text":"the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement.","start":1399.27,"end":1410.97,"sentiment":"neutral","sentiment_score":0.25663977450337905},{"text":"And that is just basically to say that you are happy to stay on as a client.","start":1411.735,"end":1416.075,"sentiment":"positive","sentiment_score":0.454647793489344},{"text":"The advice fee is not changing.","start":1417.255,"end":1419.335,"sentiment":"neutral","sentiment_score":0.17910060907403627},{"text":"It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract.","start":1419.335,"end":1429.4099,"sentiment":"neutral","sentiment_score":0.1318748032319404},{"text":"So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in 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have any questions before I let you go otherwise today?","start":1439.765,"end":1445.545,"sentiment":"neutral","sentiment_score":0.04608233006937163}],"sentiment":"neutral","sentiment_score":0.04608233006937163,"channel":0,"num_words":14,"start":1439.765,"end":1445.545},{"sentences":[{"text":"No.","start":1446.235,"end":1446.735,"sentiment":"neutral","sentiment_score":-0.1549891233444214},{"text":"I'm going back to work this afternoon.","start":1447.195,"end":1448.815,"sentiment":"neutral","sentiment_score":-0.14172170524086272}],"sentiment":"neutral","sentiment_score":-0.14338013250380754,"channel":1,"num_words":8,"start":1446.235,"end":1448.815},{"sentences":[{"text":"Mhmm.","start":1449.525,"end":1450.025,"sentiment":"neutral","sentiment_score":-0.008424120023846626}],"sentiment":"neutral","sentiment_score":-0.008424120023846626,"channel":0,"num_words":1,"start":1449.525,"end":1450.025},{"sentences":[{"text":"So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your","start":1449.675,"end":1460.13,"sentiment":"neutral","sentiment_score":0.04032019226762809}],"sentiment":"neutral","sentiment_score":0.04032019226762809,"channel":1,"num_words":38,"start":1449.675,"end":1460.13},{"sentences":[{"text":"Yes.","start":1460.11,"end":1460.61,"sentiment":"neutral","sentiment_score":0.002215413376688957}],"sentiment":"neutral","sentiment_score":0.002215413376688957,"channel":0,"num_words":1,"start":1460.11,"end":1460.61},{"sentences":[{"text":"investigation of what you need to do.","start":1460.13,"end":1461.81,"sentiment":"neutral","sentiment_score":-0.009914171482835497},{"text":"And the other one's just to sign, is it, I can do?","start":1461.81,"end":1464.87,"sentiment":"neutral","sentiment_score":0.012857622311760982}],"sentiment":"neutral","sentiment_score":0.004468014071646489,"channel":1,"num_words":19,"start":1460.13,"end":1464.87},{"sentences":[{"text":"Yes.","start":1464.445,"end":1464.945,"sentiment":"neutral","sentiment_score":0.04026775062084198},{"text":"Yes.","start":1465.005,"end":1465.405,"sentiment":"neutral","sentiment_score":0.06275385618209839},{"text":"So I've just sent you an email.","start":1465.405,"end":1467.005,"sentiment":"neutral","sentiment_score":0.10892301478556224},{"text":"It will be like a digital link.","start":1467.005,"end":1468.285,"sentiment":"neutral","sentiment_score":0.12123315994228635},{"text":"You can just find that online.","start":1468.285,"end":1469.905,"sentiment":"neutral","sentiment_score":0.10671528428792953}],"sentiment":"neutral","sentiment_score":0.10701847889206627,"channel":0,"num_words":22,"start":1464.445,"end":1469.905},{"sentences":[{"text":"Yep.","start":1470.735,"end":1471.235,"sentiment":"neutral","sentiment_score":0.1785050630569458}],"sentiment":"neutral","sentiment_score":0.1785050630569458,"channel":1,"num_words":1,"start":1470.735,"end":1471.235},{"sentences":[{"text":"Easy.","start":1471.485,"end":1471.885,"sentiment":"neutral","sentiment_score":0.238561749458313},{"text":"Now the other email for the TPS for you to sign will come from my colleague, Whitlam.","start":1471.885,"end":1476.705,"sentiment":"neutral","sentiment_score":0.08919746384901159},{"text":"You will cc me in the email, and it's usually that it's just one paper.","start":1477.1599,"end":1481.8999,"sentiment":"neutral","sentiment_score":0.045064865797758105},{"text":"It's just one document to print and sign and send back, but I'll get him to outline it in the email for 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me.","start":1508.15,"end":1515.69,"sentiment":"neutral","sentiment_score":-0.018955047641481673},{"text":"So leave it with me.","start":1516.645,"end":1517.605,"sentiment":"neutral","sentiment_score":0.022828583419322968},{"text":"I'll give you a call as soon as I have all the information.","start":1517.605,"end":1520.085,"sentiment":"neutral","sentiment_score":0.10705686160005055}],"sentiment":"neutral","sentiment_score":0.04445692135587982,"channel":0,"num_words":69,"start":1499.655,"end":1520.085},{"sentences":[{"text":"But if you need anything in the meantime, David, just give me a call.","start":1520.085,"end":1523.765,"sentiment":"neutral","sentiment_score":0.04844470481787409},{"text":"Okay?","start":1523.765,"end":1524.265,"sentiment":"neutral","sentiment_score":0.060704827308654785}],"sentiment":"neutral","sentiment_score":0.04926204631725947,"channel":0,"num_words":15,"start":1520.085,"end":1524.265},{"sentences":[{"text":"Yep.","start":1524.03,"end":1524.53,"sentiment":"neutral","sentiment_score":0.06438697874546051},{"text":"No worries.","start":1524.83,"end":1525.39,"sentiment":"neutral","sentiment_score":0.08472545444965363},{"text":"Alright.","start":1525.39,"end":1525.71,"sentiment":"neutral","sentiment_score":0.11550899595022202},{"text":"We'll see how you go with the the","start":1525.71,"end":1527.4099,"sentiment":"neutral","sentiment_score":0.08592094853520393}],"sentiment":"neutral","sentiment_score":0.08639287265638511,"channel":1,"num_words":12,"start":1524.03,"end":1527.4099},{"sentences":[{"text":"Mhmm.","start":1527.78,"end":1528.28,"sentiment":"neutral","sentiment_score":0.026642052456736565}],"sentiment":"neutral","sentiment_score":0.026642052456736565,"channel":0,"num_words":1,"start":1527.78,"end":1528.28},{"sentences":[{"text":"whether it's worth changing it to the the rental side if I get into that because","start":1528.2351,"end":1533.8551,"sentiment":"neutral","sentiment_score":-0.003867202904075384}],"sentiment":"neutral","sentiment_score":-0.003867202904075384,"channel":1,"num_words":16,"start":1528.2351,"end":1533.8551},{"sentences":[{"text":"Yes.","start":1533.4601,"end":1533.78,"sentiment":"neutral","sentiment_score":0.1031305491924286},{"text":"Yep.","start":1533.78,"end":1534.28,"sentiment":"neutral","sentiment_score":0.0375976525247097}],"sentiment":"neutral","sentiment_score":0.07036410085856915,"channel":0,"num_words":2,"start":1533.4601,"end":1534.28},{"sentences":[{"text":"that just that just seems to be going through the roof and not and not coming back down.","start":1533.915,"end":1539.115,"sentiment":"neutral","sentiment_score":0.03247958835628298},{"text":"So","start":1539.115,"end":1539.615,"sentiment":"neutral","sentiment_score":0.13994458317756653}],"sentiment":"neutral","sentiment_score":0.0381356407152979,"channel":1,"num_words":19,"start":1533.915,"end":1539.615},{"sentences":[{"text":"Yeah.","start":1539.54,"end":1540.04,"sentiment":"neutral","sentiment_score":0.21545034646987915},{"text":"Yes.","start":1540.575,"end":1541.075,"sentiment":"neutral","sentiment_score":0.2395348846912384},{"text":"Rent and everything and house prices, everything is going through the roof.","start":1541.2949,"end":1544.4149,"sentiment":"neutral","sentiment_score":0.2935928826530774},{"text":"So I'll definitely factor that in through the portfolio and see if there are some options that are looking good 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there.","start":1553.375,"end":1559.0,"sentiment":"neutral","sentiment_score":0.2326335906982422}],"sentiment":"neutral","sentiment_score":0.27105525974184275,"channel":0,"num_words":32,"start":1551.135,"end":1559.0},{"sentences":[{"text":"Okay.","start":1558.965,"end":1559.445,"sentiment":"neutral","sentiment_score":0.3006811738014221},{"text":"No worries.","start":1559.445,"end":1560.005,"sentiment":"positive","sentiment_score":0.3808949440717697},{"text":"Thank you very much.","start":1560.005,"end":1561.145,"sentiment":"positive","sentiment_score":0.747463583946228}],"sentiment":"positive","sentiment_score":0.5789036282471248,"channel":1,"num_words":7,"start":1558.965,"end":1561.145},{"sentences":[{"text":"No problem at all.","start":1561.2229,"end":1561.9429,"sentiment":"positive","sentiment_score":0.6173713058233261},{"text":"Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day.","start":1561.9429,"end":1565.5629,"sentiment":"positive","sentiment_score":0.8287345558404923}],"sentiment":"positive","sentiment_score":0.7935073475042979,"channel":0,"num_words":24,"start":1561.2229,"end":1565.5629},{"sentences":[{"text":"No worries.","start":1565.525,"end":1566.005,"sentiment":"positive","sentiment_score":0.4324661046266556},{"text":"Thank you so much.","start":1566.005,"end":1567.065,"sentiment":"positive","sentiment_score":0.7226168066263199}],"sentiment":"positive","sentiment_score":0.6258999059597651,"channel":1,"num_words":6,"start":1565.525,"end":1567.065},{"sentences":[{"text":"Mhmm.","start":1566.6628,"end":1567.1628,"sentiment":"neutral","sentiment_score":0.2112823873758316},{"text":"Thank","start":1567.3029,"end":1567.6229,"sentiment":"positive","sentiment_score":0.3578891456127167}],"sentiment":"neutral","sentiment_score":0.28458576649427414,"channel":0,"num_words":2,"start":1566.6628,"end":1567.6229},{"sentences":[{"text":"Okay.","start":1567.4028,"end":1567.4829,"sentiment":"positive","sentiment_score":0.3751506209373474},{"text":"Bye.","start":1567.4829,"end":1567.9829,"sentiment":"neutral","sentiment_score":0.30649322271347046}],"sentiment":"positive","sentiment_score":0.34082192182540894,"channel":1,"num_words":2,"start":1567.4028,"end":1567.9829},{"sentences":[{"text":"you.","start":1567.6229,"end":1568.1229,"sentiment":"positive","sentiment_score":0.3362364172935486},{"text":"Bye.","start":1568.1829,"end":1568.6829,"sentiment":"neutral","sentiment_score":-0.10946696996688844}],"sentiment":"neutral","sentiment_score":0.11338472366333008,"channel":0,"num_words":2,"start":1567.6229,"end":1568.6829}]},"summary":{"result":"success","short":"The representative from Financial offers to send an annual review and discusses various financial questions with the caller, including their income, employment, health, lifestyle, asset and liabilities, retirement plans, and retirement savings. They also discuss the possibility of investing in property properties and the importance of maximizing growth in the super. The agent provides information on the risk and returns of investing in a super and will investigate claims and provide a fuller picture of investment performance. The customer is advised to call the agent for further assistance."},"intents":{"segments":[{"text":"This is Veronica from Financial. I have David looking for his annual review. Is he around or a bit busy?","start_word":5,"end_word":24,"intents":[{"intent":"Request annual review","confidence_score":0.022997161}]},{"text":"Do you still have time, or would you like me to reschedule for a more suitable time? How long does it take?","start_word":49,"end_word":70,"intents":[{"intent":"Inquire about scheduling time","confidence_score":0.000039409406}]},{"text":"And 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. Yep.","start_word":97,"end_word":127,"intents":[{"intent":"Provide information on call recording","confidence_score":0.0000964766}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah.","start_word":131,"end_word":157,"intents":[{"intent":"Confirm identity","confidence_score":0.5410303}]},{"text":"Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David. I know you spoke to my colleague a couple of months ago. Some recent information should be up to date, so I'll try to make it quick for you. Yeah.","start_word":258,"end_word":310,"intents":[{"intent":"Ask about current information","confidence_score":0.002388039}]},{"text":"So you can access Uber under something that's called financial hardship.","start_word":417,"end_word":427,"intents":[{"intent":"Explore uber access options","confidence_score":0.00013510008}]},{"text":"Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super.","start_word":1035,"end_word":1065,"intents":[{"intent":"Make recommendations to portfolio","confidence_score":0.00007443948}]},{"text":"Because, obviously, the last twelve months have been a lot of fluctuations in the market. That's a lot that's Yep. happened. Yep. First, you obviously had The US and Trump and tariffs and everything. We did see a bit of fluctuation. And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market. The last twelve months have been a bit more turbulent. Yeah.","start_word":1689,"end_word":1760,"intents":[{"intent":"Market fluctuations","confidence_score":0.0060011377}]},{"text":"And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay.","start_word":1789,"end_word":1830,"intents":[{"intent":"Analyze retirement plans","confidence_score":0.0043325126}]},{"text":"Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive? Would you like to look at decreasing it a little bit one step down, or where are you thinking?","start_word":2198,"end_word":2238,"intents":[{"intent":"Discussing investments and expectations","confidence_score":0.000059835424}]},{"text":"Would you like to look at decreasing it a little bit one step down, or where are you thinking?","start_word":2220,"end_word":2238,"intents":[{"intent":"Discussing investment options","confidence_score":0.07166603},{"intent":"Discussing options","confidence_score":0.0132974535}]},{"text":"Exactly.","start_word":2278,"end_word":2278,"intents":[{"intent":"Confirming understanding","confidence_score":0.016077258}]},{"text":"And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on. We see we want to allow ideally six years until retirement. So if you are Yes.","start_word":2279,"end_word":2348,"intents":[{"intent":"Asking about timeframe for growth","confidence_score":0.000076488584}]},{"text":"So when you do have a look at these documents, you will see through financial services side. Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time.","start_word":2453,"end_word":2500,"intents":[{"intent":"Discussing financial documents and research","confidence_score":0.0001555254}]},{"text":"Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time.","start_word":2470,"end_word":2500,"intents":[{"intent":"Discussing compliance documents","confidence_score":0.016896635}]},{"text":"Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account. Now with your Host Plus, that was, obviously kept a little bit of money in there for your insurances. And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you.","start_word":2516,"end_word":2586,"intents":[{"intent":"Discuss and update insurances","confidence_score":0.000024771436}]},{"text":"I would just need that TPA return so that I can get updated information.","start_word":2746,"end_word":2759,"intents":[{"intent":"Provide tpa return","confidence_score":0.021227814}]},{"text":"When I I came I'm off a motorbike and broke my neck and my hip a sorry couple of to years hear ago. that. Yeah.","start_word":2906,"end_word":2930,"intents":[{"intent":"Resolve income loss","confidence_score":0.00044319377}]},{"text":"So what if you're saving that for your children or, like, that seems very unusual that they will get Yep. you to use your savings. That Alright.","start_word":3300,"end_word":3326,"intents":[{"intent":"Determine purpose of savings","confidence_score":0.0004384207}]},{"text":"I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do.","start_word":3355,"end_word":3398,"intents":[{"intent":"Find information on claim","confidence_score":0.0021201302}]},{"text":"I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do. Was it about three years ago, did you say? Yeah.","start_word":3355,"end_word":3408,"intents":[{"intent":"Check availability","confidence_score":0.0019649637}]},{"text":"the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement.","start_word":3956,"end_word":3984,"intents":[{"intent":"Explain service agreement","confidence_score":0.0014402855}]},{"text":"So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your Yes.","start_word":4090,"end_word":4128,"intents":[{"intent":"Check document quality","confidence_score":0.0049673743}]}]},"sentiments":{"segments":[{"text":"Alright.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.24473810195922852},{"text":"That's fine. Good morning.","start_word":1,"end_word":4,"sentiment":"positive","sentiment_score":0.4411084055900574},{"text":"This is Veronica from Financial. I have David looking for his annual review. Is he around or a bit busy? So I could do for your annual review, honey. Oh, shit. Hello? Hello, miss David? Yeah. Sorry. I forgot about it. No. It's okay. Do you still have time, or would you like me to reschedule for a more suitable time? How long does it take? Probably about half an hour or so. Yeah. I guess we could quickly do it. Yeah? Okay. I'll tryna be a bit quick for you. Okay. And 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. Yep. That's fine.","start_word":5,"end_word":129,"sentiment":"neutral","sentiment_score":0.02488052099943161},{"text":"Perfect.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.4330776929855346},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Full name is David Lee Henick. Date of birth, 06/1974, and address, 70 Daniel Avenue, Glen Derby Park. Yeah.","start_word":131,"end_word":176,"sentiment":"neutral","sentiment_score":0.08621947467327118},{"text":"Perfect. That's exactly what I have here.","start_word":177,"end_word":183,"sentiment":"positive","sentiment_score":0.5106996893882751},{"text":"Now just before I do kind of jump into the under review, Yep. and I'll try to do it as quickly as I can for you, is there is there anything specific you would like me to focus on today or any concerns or anything or just the usual review? Just the usual review, make sure it's going up in Yeah. the wrong direction and not going the wrong way because Yeah. Yeah. yeah. Now what I'm going to do quickly is just quickly run through a bit of an updated fact find with you there, David. I know you spoke to my colleague a couple of months ago. Some recent information should be up to date, so I'll try to make it quick for you. Yeah. Can you can you have two seconds? I'm just gonna ask me a question. Two seconds? Of course. Sorry. Yeah. What was that? On the phone. Ask Kurt, with the cost of living and potentially not having a job because there's no fuel for us to work, can we draw back on super? Yeah. My partner was just saying that with the cost of living and the and the prices of diesel and all that sort of stuff, we're not gonna be able to draw back on our super am I if we release our job in that, are we? Potentially. So there there are restrictions. So you can access Uber under something that's called financial hardship. Now in order to meet the definitions of financial hardship, you have to be on Centrelink for twenty six weeks. So if it is a situation where you do lose your job, you end up in Centrelink, and you have been on Centrelink for twenty six weeks, Yeah. And you need to take some money out of Super. So, obviously, cover expenses and stuff like that. Usually, it bills and expenses in arrears. So if it is that you cannot meet the repayment, there are some Alright. ways you can access that under financial hardship. What I can do for you is I can put it all in an email for you if you would like. That Perfect. way you have the information if anything were to happen, and you can also kind of see there what the criteria is. Would that be helpful? No. That's okay. I'll I'll I'll pass that bridge when I get Yeah? to Okay. it. If if I Yeah. get to it, it was just more of a question Yeah. to see Yeah. if it can be done. That's all. Yeah. And it is a good question. Hopefully, it doesn't come to it. But if it is that you do lose your job and you you struggle, just give me a call, and I'll I'll see where where you are, and we can then kind of talk further about it. Yep. No worries. Yep.","start_word":184,"end_word":666,"sentiment":"neutral","sentiment_score":-0.010205499602261909},{"text":"Thank you.","start_word":667,"end_word":668,"sentiment":"positive","sentiment_score":0.3542019724845886},{"text":"No. That's okay. Otherwise, your personal information, I have you here in relationship and no financial dependence. Is that correct? Yep. That's correct.","start_word":669,"end_word":691,"sentiment":"neutral","sentiment_score":0.06575266271829605},{"text":"Perfect.","start_word":692,"end_word":692,"sentiment":"positive","sentiment_score":0.34065961837768555},{"text":"Next up, Kim, I have Annette listed. Is that still the case? Yeah. She's my partner. Yep. Perfect. At the moment, has anything changed with your occupation? Are you still working as the truck driver for the time being? Yeah. Yep. Yep.","start_word":693,"end_word":734,"sentiment":"neutral","sentiment_score":0.04876275919377804},{"text":"Perfect.","start_word":735,"end_word":735,"sentiment":"positive","sentiment_score":0.5853742361068726},{"text":"Income, I have here of around a 156,000. Something like that. Yep. Yep.","start_word":736,"end_word":748,"sentiment":"neutral","sentiment_score":0.20966438949108124},{"text":"Perfect.","start_word":749,"end_word":749,"sentiment":"positive","sentiment_score":0.5252372026443481},{"text":"And your employer, they just pay that standard 12% contribution, and you are not making any additional contribution in to suit, are you? No. No. No. Yep. Now assets and liabilities, I'll go through what I have here, and you just let me know if anything has changed to make it quicker. Yep. I have a huge side of around a 150,000 with about a 142 owing. Yeah. That's right. That's the RAM. Yep. Yep. Yep. Savings account, about 19,000. No. That's that's changed now. That's about Yep. 29 because I sold my other u. Perfect. Okay. So about 29. Do you also have the old car loan at about 44,000? That yeah. I took it up to 50 Okay. because I pulled some money out to do an alteration on the Ram, and I haven't I'm still waiting for that to be done. Okay. Yeah. That's Okay. why I've That got is that money in that account at 29. yeah. Okay. No. Perfect. That's okay. Any other new assets in the last twelve months there, David?","start_word":750,"end_word":926,"sentiment":"neutral","sentiment_score":0.0009170097182504832},{"text":"That's perfect.","start_word":927,"end_word":928,"sentiment":"positive","sentiment_score":0.4449806213378906},{"text":"Health and lifestyle, I have you down here as a nonsmoker. Is that still the case? No. That's correct. Sorry. We Perfect. did get home about by six this morning. Oh, no. That's okay. Any changes in your health in the last twelve months? As in what way? Like, any illnesses or diagnosis or injuries or anything? No. No. No. Perfect. Estate planning wise, I do have here you have a will in place. Yep. Your beneficiaries will do so. So in the event that something happens to you, I have 50% to Caitlin and 50% to Wyatt. Is that still the case? Yeah.","start_word":929,"end_word":1032,"sentiment":"neutral","sentiment_score":0.04225855693221092},{"text":"Perfect.","start_word":1033,"end_word":1033,"sentiment":"positive","sentiment_score":0.37034910917282104},{"text":"Now I'll quickly run through a multiple choice question with you, David, and that is just to see if we need to make any changes to your portfolio in your super. Yeah. I'll try to make it short for you. Just let me know whatever feels the most appropriate for you, and there's no right or wrong answer. Now have you ever bought direct shares? No. Look on the stock market. No. Perfect. At the moment, when do you think you would like to retire and draw an income from your super for retirement? Are you planning around 60, 65, 67? Well, I've got these loans for seven years, so it'd probably be obviously, probably sixty five maybe. Yep. Okay.","start_word":1034,"end_word":1153,"sentiment":"neutral","sentiment_score":0.05458716303110123},{"text":"Perfect.","start_word":1154,"end_word":1154,"sentiment":"positive","sentiment_score":0.34658247232437134},{"text":"Otherwise, when it comes to taking on risk for superannuation, are you willing to accept very high risk, high moderate, or a small amount of risk in order to make sure that you stay on top of the rising prices and and everything, thinking about your superannuation only? I think I think I've had it down as as moderate one Yeah. after. I think that's what I had it down for. I can't remember. Yeah. And you still feel kind of about moderate, willing to take some risk, but not max? Yep. Yeah. Yeah. I think so. Because I'm trying to get ahead, and I don't I don't Yeah. know how we're going. Yeah. I will I will give you a bit of an update on that as well. Now if you noticed like, if you placed an investment and then after six months, your portfolio was down by 20% due to general trends in the market, Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold, wait to see what happens, or would you want to shift to a more secure asset? So that means then you are selling when the prices have already dropped. Not really sure on that one. That was a bit sketchy with the the what I could hear. It was cutting in and out quite a bit Okay. from what you did. No. That's okay. Basically, the question was if your if your super fell by 20%, do you think you would think that, oh, well, now it's maybe a good buying opportunity because prices are lower, but it obviously has dropped. Or would you be kind of a bit more neutral, just kinda wait and see what 20%. You know what? happens? That's still a fair bit, isn't it? Yeah. Or do you think you would want to sell out and move through something a little bit safer, but that means you are then selling when the prices have dropped already? I I don't know how to answer that one. That's okay. If you're not sure, I can always put in the middle, which is hold and and wait, because it probably would depend a little bit on the situation and what is going on. Yeah. Yeah. Are you okay with that? Yeah. Just do that Yeah. because one of my questions would be to you about is wherever you guys are investing these money in shares, can we invest it into something like rentals because the way what's going on there the rent's gone through the roof and yeah. It's So just a bit ridiculous. more property wise. Well, obviously, the rent's always going up and and stuff like that is instead of shares. Yeah. We can definitely I can have a bit of a more in-depth review of your portfolio after after the call and kind of go through if there's any changes we can make for it.","start_word":1155,"end_word":1667,"sentiment":"neutral","sentiment_score":-0.05112935959944251},{"text":"I'm more than happy to do that and see if we need to, you know, make make any changes as well.","start_word":1668,"end_word":1688,"sentiment":"positive","sentiment_score":0.517650306224823},{"text":"Because, obviously, the last twelve months have been a lot of fluctuations in the market. That's a lot that's Yep. happened. Yep. First, you obviously had The US and Trump and tariffs and everything. We did see a bit of fluctuation. And, obviously, a bit more recently, everything going on in The Middle East, there are obviously fluctuations in the market. The last twelve months have been a bit more turbulent. Yeah.","start_word":1689,"end_word":1760,"sentiment":"neutral","sentiment_score":-0.1371879130601883},{"text":"So it is probably a good time as well with annual review now to to do a bit more of an in-depth review of the superannuation for you.","start_word":1761,"end_word":1788,"sentiment":"positive","sentiment_score":0.5417923927307129},{"text":"And what I can do as well is if it is that you're a little bit concerned, obviously, with where things would be at for retirement, I can do kind of a retirement calculator for you as well to be like, okay. Well, the way things are going, if there's no changes, where would you be at 65? You know, what income would you be able to draw from superannuation and kind of see a bit more where things are at?","start_word":1789,"end_word":1869,"sentiment":"neutral","sentiment_score":0.23497776687145233},{"text":"Would you be happy for me to to do that for you?","start_word":1870,"end_word":1881,"sentiment":"positive","sentiment_score":0.44841012358665466},{"text":"Yeah. That's fine. Yeah. I Yeah. So don't understand a lot of that. So all this sort of stuff. So that's why you guys thought. yeah.","start_word":1882,"end_word":1907,"sentiment":"neutral","sentiment_score":0.0038254025857895617},{"text":"And it is good because it has been a little while since we did your an an SOA for you, and that's where we kind of go through everything in a more in-depth.","start_word":1908,"end_word":1940,"sentiment":"positive","sentiment_score":0.467866986989975},{"text":"So I will do it on the back end. I don't have to keep you on the phone for it. But, Yep. basically, I would like to go into your super in a bit more detail. So I have actually just sent you an email. If you're a bit busy, I can let you have a read over that in your own time. If you then have any questions, you can always let me know. Yeah. I will quickly just run through the most important thing. But kind of going back to these questions here, it it does tell me that you have come out as a growth investor, which is the portfolio we currently have you invested in, David. Okay. Now when it comes through being a growth investor, it is for someone who is looking at maximizing growth in their superannuation, but also someone who are willing to see a bit of fluctuation in the short term in order to grow your super in the long term. Yes. Now when we are looking at the how much money is invested in the different areas, we see 80% in net yields, so that will be your share and stuff. So you will have your international shares and also property and then also Australian shares. And that's Yep. what's going to grow your super the most, but also fluctuate a little bit. And then we have 20% in defensive, and that will be, like, your cash, your gold, your fixed interest to limit fluctuations a little bit. Are you comfortable with the level of fluctuations and risk you are currently in, or are you feeling a bit more defensive? Would you like to look at decreasing it a little bit one step down, or where are you thinking? Probably just leave it where it is Yep. with the Yep.","start_word":1941,"end_word":2249,"sentiment":"neutral","sentiment_score":0.1727728837419868},{"text":"We can definitely obviously, do that. I I need I want it to be maximized as much as I Yeah. can to get Yep. the best return.","start_word":2250,"end_word":2276,"sentiment":"positive","sentiment_score":0.414228230714798},{"text":"Yes.","start_word":2277,"end_word":2277,"sentiment":"neutral","sentiment_score":0.3200695812702179},{"text":"Exactly.","start_word":2278,"end_word":2278,"sentiment":"positive","sentiment_score":0.3616119623184204},{"text":"And with the growth portfolio, just for your reference, when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations because some years might not be as great, whereas other years will be a lot better as well depending on what is going on. We see we want to allow ideally six years until retirement. So if you are Yes. thinking about, you know, sixty five roughly, Yep. then being in a growth portfolio from a time point of view is still suitable for you.","start_word":2279,"end_word":2373,"sentiment":"neutral","sentiment_score":0.1867065727710724},{"text":"Okay. Perfect.","start_word":2374,"end_word":2375,"sentiment":"positive","sentiment_score":0.47699227929115295},{"text":"Now the last thing I do run over is just those documents I have sent through there, David. So when you have a moment, have a read over them. Any questions, let me know. Otherwise, if you don't have any questions, I will just need you to sign those documents. That will send it through to me. I'll Yep. get that all loaded in the back end for you, and I'll also get working on this research. So when you do have a look at these documents, you will see through financial services side. Basically, there there is compliance documents about everything that you need to know about us is in there, so I'll let you have a read over that in your own time. Yep. You we will also have a bit of a super and insurance summary. Now this one here will show you a hub tool a hub 24 super, your current balance, which is around 144,127, and then also your host plus account. Now with your Host Plus, that was, obviously kept a little bit of money in there for your insurances. And the the TPA that we have with Host Plus have just expired, so we haven't been able to obtain updated information for you. So what I will get the team to do is do you have access to a printer at all, David, or no? Yes. Yeah. You do? I've got it. Okay. So what I'm going to do is I will get the team to email that to you. We'll just need you to print it off, sign it, and send it back.","start_word":2376,"end_word":2646,"sentiment":"neutral","sentiment_score":0.10832815141695452},{"text":"I will send that off to host plus, and that just allows me to do more research on the account. Because you obviously have contributions going into host plus, so we wanna make sure that we have the most amount of money in the fund that's going to give you the most growth.","start_word":2647,"end_word":2699,"sentiment":"positive","sentiment_score":0.4027180075645447},{"text":"So whether that Yep. be moving some to hub twenty four or host plus, I would like to do a bit more research just to make sure that we have the most amount of money in the fund that's going to grow for you. But Yep. I would just need that TPA return so that I can get updated information. And I would also get like to get a bit more on the insurances because what I have is a little bit updated. But last time we did the research, you had your life and total permanent disability insurance still in there of about 240,000. And you also have a bit of an income protection as well, which is about 2,500 a month. It all comes out from host plus, and premium was around 1,478. But, again, I'd like to just get updated research for you, and I will go through all of that when I do have the statement of advice for you to show you how much how much is in there when I've kind of gone through that. Does that make sense? Yeah. Yeah. I think so. That except for the income protection stuff. Because I had issues with that Yeah. Okay. When I I came I'm off a motorbike and broke my neck and my hip a sorry couple of to years hear ago. that. Yeah. It's okay. And I said that I had income protection, and I tried contacting about my access to super Yeah. because I needed to have three months off of work. Yeah.","start_word":2700,"end_word":2960,"sentiment":"neutral","sentiment_score":0.03672294664086053},{"text":"And they said I had used every single cent in my savings account and everything else, all my holidays, all my sick days. Everything got dragged out before that even look at doing it, and then it was another six week wait on top of that after I'd used everything. And I end up just saying you might as well just cancel the income protection because it means jack shit for me because I end up going back to work after two months because Yeah. I couldn't afford to live.","start_word":2961,"end_word":3050,"sentiment":"negative","sentiment_score":-0.44043004512786865},{"text":"Yeah. Who said that? Was that Host Plus, or was it someone from That was Hostplus. I reckon you? it was Yeah. because Yeah. yeah. That was about three years ago now, and Okay.","start_word":3051,"end_word":3084,"sentiment":"neutral","sentiment_score":-0.06014439836144447},{"text":"it it's never done me any favors ever at all.","start_word":3085,"end_word":3094,"sentiment":"negative","sentiment_score":-0.40771713852882385},{"text":"Yeah. Yeah. Okay. Yeah. Because it does seem unusual. So if anything ever happens, just call me because we can then liaise with host plus. I'm trying to do the forms to make that easier for you because it's a very stressful time, and the last thing you wanna have to do is deal with the insurance and super fund side of it. Now because it is kind of your your group cover, they can be a little bit trickier. Group cover doesn't mean that you didn't apply for it, so it's not as tailored as some other options. But it's still a good cover, and it's a little bit cheaper. And if you do have a little bit of a riskier occupation, which the insurer for you, unfortunately, being a truck driver would say that it is a little bit riskier, which Yep. is why we we kept the cover at the time. So I will check on that income protection for you. Now it is correct that sometimes the insurers will ask you first to use sick leave or annual leave. Yep. But savings, no. I've never heard some because that's, like well, that's your but that could be used for other things. So what if you're saving that for your children or, like, that seems very unusual that they will get Yep. you to use your savings. That Alright. doesn't seem right Yeah. to me. Annual leave and sick leave, yes, there are some insurers that will get you to do that first, but not saving. Yeah. I will check-in and see if I can find a bit more information. When I do get that GPA back, I can call Hospice and see if I can find out a little bit more information about that claim that you tried to do. Was it about three years ago, did you say? Yeah. About three years ago Yeah. now because like I I I usually try to keep a buffer in my Yeah. account of $10,000 just to Yeah. try and to try and alleviate that problem. And I had to use it. It took it took me over a year to try and get that back up because Yeah. Yeah. I nothing.","start_word":3095,"end_word":3468,"sentiment":"neutral","sentiment_score":-0.08635508269071579},{"text":"I literally had nothing left.","start_word":3469,"end_word":3473,"sentiment":"negative","sentiment_score":-0.3771936893463135},{"text":"Yeah. So and not No. being able to work, Yeah. Which it is was the income just protection is meant to be for if you well, can't that's let yes. right. You So do have a yeah. sixty day waiting period, but for them to asking you to use your savings, that doesn't seem right. Yeah. No. So I will once I get the TPA back so, yeah, I'll get the team to try to email that to you today. And if you can do that as soon as you get a chance, David, the sooner I can get information on this. And I will see if I can find out a bit more in regards to that. Because if you ever need to make a claim again, hopefully, you don't ever have to. If Yeah. they're gonna do the same thing, then, like, exactly what you said, well, what is the point paying for something if they're not gonna pay it out? Yeah. So I will investigate a little bit more for you. And then next time we catch up, I'll see if I can find out a bit more in regards to it. And like I said, if anything ever would have happened to happen in the future, hopefully, never does, just call me because I will then tryna see if we can call host plus and do some of that for you to alleviate the stress because they Yep. make it difficult. Whereas we I argue with them all the time with different super Yeah. funds and insurance. So it's easier for us to tryna assist you in that way. That's also what we are here to do Yep. if something ever were to happen. So leave it with me. I will check with host plan. And then when we speak next time, I'll see if I can find out a little bit more of what they said and what their rules are in regards to it because I've never heard that they need you need Yes. to use your savings. That that doesn't seem right. So leave that with me, David. I will find that out. Now the last couple of documents you will see, there is a performance report showing your individual investment. Now, again, I do wanna review that in a bit more detail just to make sure we have you in the best options for your retirement. So I will do a bit more in-depth in your investments. I'll also see if there are some that's not performing well that we wanna potentially swap out. So I will do a bit more of an in-depth in all of that with your post plus so we can kind of get a full picture and do kind of a new update for where things are looking at for retirement to give you that update. And then Yes. the the last thing is that the documents that has been sent as well that need signing, if you are happy to do so, is an ongoing service agreement.","start_word":3474,"end_word":3984,"sentiment":"neutral","sentiment_score":0.06414840713055867},{"text":"And that is just basically to say that you are happy to stay on as a client.","start_word":3985,"end_word":4001,"sentiment":"positive","sentiment_score":0.466174989938736},{"text":"The advice fee is not changing. It's staying exactly the same at 1.65%, not changing or from superannuation, and it it is not a lock in contract.","start_word":4002,"end_word":4028,"sentiment":"neutral","sentiment_score":0.14060743153095245},{"text":"So if at any point in time you are not happy with the service, even though if you sign the documents, you can still cancel whenever you want to, there is no lock in contract.","start_word":4029,"end_word":4063,"sentiment":"negative","sentiment_score":-0.4239092469215393},{"text":"Yeah. Yeah. Okay. Now, David, do you have any questions before I let you go otherwise today? No. I'm going back to work this afternoon. Mhmm. So can you just make sure when you send those documents, make sure the one I'm gonna send back to you is clearly marked and I'll sign it and get that back so you can do your your Yes. investigation of what you need to do. And the other one's just to sign, is it, I can do? Yes. Yes. So I've just sent you an email. It will be like a digital link. You can just find that online. Yep. Easy. Now the other email for the TPS for you to sign will come from my colleague, Whitlam. You will cc me in the email, and it's usually that it's just one paper. It's just one document to print and sign and send back, but I'll get him to outline it in the email for you. Yep. Cool. Alright. Yeah. I'll try and get to that today in That a would minute, be great. Yep. and we'll go from there.","start_word":4064,"end_word":4250,"sentiment":"neutral","sentiment_score":0.06677822023630142},{"text":"Perfect.","start_word":4251,"end_word":4251,"sentiment":"positive","sentiment_score":0.5506858825683594},{"text":"I'll get him to send it to you this morning, especially if you are going back to work this afternoon, and we'll get that Yep. underway. Otherwise, as soon as I hear back from host plus and I've done the research and everything for you, I will give you a call and run through everything. Now it could take a couple of weeks depending on host plus and how quickly they get the information to me. So leave it with me. I'll give you a call as soon as I have all the information. But if you need anything in the meantime, David, just give me a call. Okay? Yep. No worries. Alright. We'll see how you go with the the Mhmm. whether it's worth changing it to the the rental side if I get into that because Yes. Yep. that just that just seems to be going through the roof and not and not coming back down. So Yeah. Yes. Rent and everything and house prices, everything is going through the roof. So I'll definitely factor that in through the portfolio and see if there are some options that are looking good that yeah.","start_word":4252,"end_word":4446,"sentiment":"neutral","sentiment_score":0.12607456285219926},{"text":"we can we can change that out for you.","start_word":4447,"end_word":4455,"sentiment":"positive","sentiment_score":0.3628277778625488},{"text":"So I'll do the research and then kind of present you with the recommendation, and then we can always take it from there. Okay.","start_word":4456,"end_word":4479,"sentiment":"neutral","sentiment_score":0.23815782368183136},{"text":"No worries. Thank you very much. No problem at all. Thank you so much for your time this morning, David, and I hope you enjoy the rest of your day. No worries. Thank you so much.","start_word":4480,"end_word":4515,"sentiment":"positive","sentiment_score":0.7246982455253601},{"text":"Mhmm.","start_word":4516,"end_word":4516,"sentiment":"neutral","sentiment_score":0.2112823873758316},{"text":"Thank Okay.","start_word":4517,"end_word":4518,"sentiment":"positive","sentiment_score":0.36939680576324463},{"text":"Bye.","start_word":4519,"end_word":4519,"sentiment":"neutral","sentiment_score":0.30649322271347046},{"text":"you.","start_word":4520,"end_word":4520,"sentiment":"positive","sentiment_score":0.3362364172935486},{"text":"Bye.","start_word":4521,"end_word":4521,"sentiment":"neutral","sentiment_score":0.2010463923215866}],"average":{"sentiment":"neutral","sentiment_score":0.0495838644852492}}}}