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Thanks for returning my callback. That's okay. Do you still have time to go over your annual review quickly with me? Yes. Okay. Perfect. And now, Rishi, before I do kind of jump into the annual review, I do like to kind of start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on? What? Just just the usual? No. That is okay. So what I'm going to do, Ricky, is I'm going to quickly run through a bit of an updated fact find with you first just to see if there's anything major that kind of changed in your life where we might need to make some changes to your advice. So just bear with me as I kind of go through this information. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that correct? Okay. Yep. Yep. Yeah. Okay. Perfect. So that would be for your your Netwealth beneficiary forms. Did did you not never received them? Okay. Okay. Yep. Yeah. Do you have access to a printer at all? No. Yep. Okay. Okay. So what I can do is I can try to get the team to repost them to you by express post, and hopefully, they actually show up for you this time. Now the yeah. Let us know if you don't receive it, and we can always resend it. Because like you said, sometimes Australia Post can be a little bit not predictable, but we'll do it by express post so we can get that sorted for you. And can can I just confirm that the address that we would post it to would be Unit 1 Slash 80, Erwing Road, Woodridge, Queensland 4114. Yep. Erwing Road. Great. I will get the team to express post those to you. And like I said, if you haven't received them in maybe two weeks, just let us know, and I'll I'll see if we can send them out again. But, hopefully, this time, they will come for you. Oh, so sorry? Yes. And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you. It is tricky because you are making a legal nomination. They have to be signed by Penn. Would you like us to email it to you as well so you have it if you are close to a printer at some point? Or you don't think you will be? No. Okay. That's okay. We'll get them express posted. Kids in Queensland shouldn't take too long, but you never know. But I'll get the team on that right away. Now with your children, are they still relying on youth financially, or are they a little bit older? Yes. Okay. Okay. Perfect. I do have here your wife's name as Gail. Perfect. And the same last name as you? Sheraton. How do you spell that for me? Yep. Okay. Perfect. And would you like her as your next option as well? So if for some reason we can't get in touch with you. Yep. And what's her best contact number? I have the same for my husband. But husband. One four. Yep. Eight nine seven. Yep. 438. Perfect. When it comes to employment, how is that all going for you? You're still working? Yep. Yeah. And what do you do for work, Ricky? Because I don't think we've spoken before. Oh, yeah. A bit of different things. Yeah. Yep. Oh, wow. So we we set, like, different warehouses and stuff? Or yeah. Oh, perfect. And do you like your job? Yeah. Oh, wow. Yeah. So it was like a little bit anyway. You're still working full time as well? Yes. Perfect. I do have here last time we spoke to you, your income was around 57,500. Is that still the case or has that changed? Okay. That's good. Do you know roughly how much? Okay. I'll update that to about 58. Perfect. Otherwise, I have here expenses and savings. Savings about a $150 a week and expenses about 500. Does that sound roughly correct? Yep. Yeah. It's getting a bit crazy everywhere. We're seeing that up here as well. And then the cost of living and everything as well isn't helping. Not as quick. No. Now assets and liabilities wise, you said you guys are all renting. Do you own a car or anything? Nope. Yep. That's that's okay. K. Do you have any your name on the way, like a post or motorbike or savings in the bank? Oh, yeah. How much do you think, my contents would be worth? Oh, perfect. I'll update that. And do you have any, like, personal loans or credit cards or anything like that? Yeah. And how much do you know how much is owing on that one? Okay. Perfect. Oh, like limit. Yeah. Perfect. And health and lifestyle wise, I have you down here as a smoker. Is that the case? No? Perfect. I will make sure to change that for you. And have you had any changes to your health otherwise in the last twelve months? No. Great. That's perfect. That's good. And estate planning wise, we'll get those beneficiary forms out to you. But otherwise, do you have a will in place? Yep. I'm sorry. I'm sorry to hear that. Yeah. Yeah. Oh, well, that's good. It always helps when you do have a supporting workplace as well when you go through things. So that's really good. Okay. So that's kind of on the to do list to kind of update that. But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf? Yep. Yep. No. Perfect. And that was basically those information. So I guess kind of goals and stuff that you are working on in the next couple of years. Do you have any specific, you know, financial goals or personal goals that you are working towards? No? That's okay. Yeah. And I guess at the moment, obviously, you're working full time, which is great. Do you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything? Yep. Okay. Perfect. So still a little while away. And I have here that when you do decide to retire, that ideally, you would like to draw about a thousand dollars per week from super. Is that still kind of the goal for you? Obviously, it probably depends on what bills and expenses and everything is at the time. But do you think that sounds pretty reasonable? Yes. Yeah. Perfect. Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile questionnaire. Now it can be a little bit tricky. It is multiple choice to make it nice and easy. And you just let me know if it doesn't make sense. Okay? Now have you ever bought direct shares yourself, like on the stock market? Next question is in regards to inflation. So kind of like we spoke a little bit about everything are getting more expensive over time, and it does mean that your money is worth a little bit less and everything is costing more. Now when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices? Would you say very high risk, high, a little bit moderate, or small? Middle? About moderate? Perfect. The next one is in regards to fluctuation. So if you place an investment and then after six months, everything had decreased by 20%. So it was down 20% due to kind of what is happening in the market as a whole. Would you think that, okay, if I had the opportunity to do so, now is maybe a good time to invest a little bit more while the prices are a bit cheaper, or would you just kind of hold, wait to see what happens in the market, see if it comes back up, or would you want to sell and move to something a little bit less risky? But that means then you are selling when the prices have already dropped. This one's a bit of a tricky one. I personally because I have a lot of time until retirement as well and, obviously, the the understanding of the market. So I would buy when it's low because I know that over time, market always goes up. So that's because I have a pretty high tolerance to rate. I would say that most people would kind of be in a bit more of their mid range, but they would be, okay. Well, I do understand that things do fluctuate. So I'm kind of somewhere in the middle where, you know, maybe I just kind of hold and wait wait to see what's going to happen before I decide what I would like to do. Yes. Yes. Perfect. Okay. That's okay. Do you have another last four minutes? I could try to rush it. Yep. Okay. Basically, I'll skip these questions because I'm already gauging where you are at. And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth. Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation. Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes? No. Great. Yep. Perfect. So the last thing there, Rich, is I have to send you an email. Now I won't go through all the documents because I know you're in a rush and you have to go. So take your time to have a read over them when you have a moment. If you have any questions, let me know. But, essentially, there is a document to show you your current super balance in net wealth. There's also one talking about your portfolio performance. Now I'm not sure if you have seen, but we have also sent you an email recently because we have swapped out one of the investments that was underperforming a little bit to one that's doing a little bit better for you. And then a bit of an updated services guide. Otherwise, when you do have a read through the document, any questions, let me know. If it all makes sense and you are happy with the way things are going, I'll just need you to sign the digital link when you have a moment. I'll get notified, upload everything, and that is basically it. I know that was pretty rushed, but do you have any questions for me or it's pretty straightforward? Yes. Perfect. Well, I will let you go and get on with your day, Ricky. Thank you for your time. Any questions, don't hesitate to give me a call. Mhmm. That's okay. We'll speak soon. 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miss Nels. Okay. Okay. Thank you. Oh, I'm getting something.\n\nThanks, Michelle. Hello. Is this Ricky? This this is Veronica from Achieve Financial. How are you?\n\nThat's good. Thanks for returning my callback. That's okay. Do you still have time to go over your annual review quickly with me? Yes.\n\nOkay. Perfect. And now, Rishi, before I do kind of jump into the annual review, I do like to kind of start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on? What? Just just the usual?\n\nNo. That is okay. So what I'm going to do, Ricky, is I'm going to quickly run through a bit of an updated fact find with you first just to see if there's anything major that kind of changed in your life where we might need to make some changes to your advice. So just bear with me as I kind of go through this information. Now when it comes to your personal information, I have you down here as married with no financial dependent.\n\nIs that correct? Okay. Yep. Yep. Yeah.\n\nOkay. Perfect. So that would be for your your Netwealth beneficiary forms. Did did you not never received them? Okay.\n\nOkay. Yep. Yeah. Do you have access to a printer at all? No.\n\nYep. Okay. Okay. So what I can do is I can try to get the team to repost them to you by express post, and hopefully, they actually show up for you this time. Now the yeah.\n\nLet us know if you don't receive it, and we can always resend it. Because like you said, sometimes Australia Post can be a little bit not predictable, but we'll do it by express post so we can get that sorted for you. And can can I just confirm that the address that we would post it to would be Unit 1 Slash 80, Erwing Road, Woodridge, Queensland 4114. Yep. Erwing Road.\n\nGreat. I will get the team to express post those to you. And like I said, if you haven't received them in maybe two weeks, just let us know, and I'll I'll see if we can send them out again. But, hopefully, this time, they will come for you. Oh, so sorry?\n\nYes. And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you. It is tricky because you are making a legal nomination. They have to be signed by Penn. Would you like us to email it to you as well so you have it if you are close to a printer at some point?\n\nOr you don't think you will be? No. Okay. That's okay. We'll get them express posted.\n\nKids in Queensland shouldn't take too long, but you never know. But I'll get the team on that right away. Now with your children, are they still relying on youth financially, or are they a little bit older? Yes. Okay.\n\nOkay. Perfect. I do have here your wife's name as Gail. Perfect. And the same last name as you?\n\nSheraton. How do you spell that for me? Yep. Okay. Perfect.\n\nAnd would you like her as your next option as well? So if for some reason we can't get in touch with you. Yep. And what's her best contact number? I have the same for my husband.\n\nBut husband. One four. Yep. Eight nine seven. Yep.\n\n438. Perfect. When it comes to employment, how is that all going for you? You're still working? Yep.\n\nYeah. And what do you do for work, Ricky? Because I don't think we've spoken before. Oh, yeah. A bit of different things.\n\nYeah. Yep. Oh, wow. So we we set, like, different warehouses and stuff? Or yeah.\n\nOh, perfect. And do you like your job? Yeah. Oh, wow. Yeah.\n\nSo it was like a little bit anyway. You're still working full time as well? Yes. Perfect. I do have here last time we spoke to you, your income was around 57,500.\n\nIs that still the case or has that changed? Okay. That's good. Do you know roughly how much? Okay.\n\nI'll update that to about 58. Perfect. Otherwise, I have here expenses and savings. Savings about a $150 a week and expenses about 500. Does that sound roughly correct?\n\nYep. Yeah. It's getting a bit crazy everywhere. We're seeing that up here as well. And then the cost of living and everything as well isn't helping.\n\nNot as quick. No. Now assets and liabilities wise, you said you guys are all renting. Do you own a car or anything? Nope.\n\nYep. That's that's okay. K. Do you have any your name on the way, like a post or motorbike or savings in the bank? Oh, yeah.\n\nHow much do you think, my contents would be worth? Oh, perfect. I'll update that. And do you have any, like, personal loans or credit cards or anything like that? Yeah.\n\nAnd how much do you know how much is owing on that one? Okay. Perfect. Oh, like limit. Yeah.\n\nPerfect. And health and lifestyle wise, I have you down here as a smoker. Is that the case? No? Perfect.\n\nI will make sure to change that for you. And have you had any changes to your health otherwise in the last twelve months? No. Great. That's perfect.\n\nThat's good. And estate planning wise, we'll get those beneficiary forms out to you. But otherwise, do you have a will in place? Yep. I'm sorry.\n\nI'm sorry to hear that. Yeah. Yeah. Oh, well, that's good. It always helps when you do have a supporting workplace as well when you go through things.\n\nSo that's really good. Okay. So that's kind of on the to do list to kind of update that. But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf? Yep.\n\nYep. No. Perfect. And that was basically those information. So I guess kind of goals and stuff that you are working on in the next couple of years.\n\nDo you have any specific, you know, financial goals or personal goals that you are working towards? No? That's okay. Yeah. And I guess at the moment, obviously, you're working full time, which is great.\n\nDo you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything? Yep. Okay. Perfect. So still a little while away.\n\nAnd I have here that when you do decide to retire, that ideally, you would like to draw about a thousand dollars per week from super. Is that still kind of the goal for you? Obviously, it probably depends on what bills and expenses and everything is at the time. But do you think that sounds pretty reasonable? Yes.\n\nYeah. Perfect. Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile questionnaire. Now it can be a little bit tricky. It is multiple choice to make it nice and easy.\n\nAnd you just let me know if it doesn't make sense. Okay? Now have you ever bought direct shares yourself, like on the stock market? Next question is in regards to inflation. So kind of like we spoke a little bit about everything are getting more expensive over time, and it does mean that your money is worth a little bit less and everything is costing more.\n\nNow when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices? Would you say very high risk, high, a little bit moderate, or small? Middle? About moderate? Perfect.\n\nThe next one is in regards to fluctuation. So if you place an investment and then after six months, everything had decreased by 20%. So it was down 20% due to kind of what is happening in the market as a whole. Would you think that, okay, if I had the opportunity to do so, now is maybe a good time to invest a little bit more while the prices are a bit cheaper, or would you just kind of hold, wait to see what happens in the market, see if it comes back up, or would you want to sell and move to something a little bit less risky? But that means then you are selling when the prices have already dropped.\n\nThis one's a bit of a tricky one. I personally because I have a lot of time until retirement as well and, obviously, the the understanding of the market. So I would buy when it's low because I know that over time, market always goes up. So that's because I have a pretty high tolerance to rate. I would say that most people would kind of be in a bit more of their mid range, but they would be, okay.\n\nWell, I do understand that things do fluctuate. So I'm kind of somewhere in the middle where, you know, maybe I just kind of hold and wait wait to see what's going to happen before I decide what I would like to do. Yes. Yes. Perfect.\n\nOkay. That's okay. Do you have another last four minutes? I could try to rush it. Yep.\n\nOkay. Basically, I'll skip these questions because I'm already gauging where you are at. And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth. Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation. Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes?\n\nNo. Great. Yep. Perfect. So the last thing there, Rich, is I have to send you an email.\n\nNow I won't go through all the documents because I know you're in a rush and you have to go. So take your time to have a read over them when you have a moment. If you have any questions, let me know. But, essentially, there is a document to show you your current super balance in net wealth. There's also one talking about your portfolio performance.\n\nNow I'm not sure if you have seen, but we have also sent you an email recently because we have swapped out one of the investments that was underperforming a little bit to one that's doing a little bit better for you. And then a bit of an updated services guide. Otherwise, when you do have a read through the document, any questions, let me know. If it all makes sense and you are happy with the way things are going, I'll just need you to sign the digital link when you have a moment. I'll get notified, upload everything, and that is basically it.\n\nI know that was pretty rushed, but do you have any questions for me or it's pretty straightforward? Yes. Perfect. Well, I will let you go and get on with your day, Ricky. Thank you for your time.\n\nAny questions, don't hesitate to give me a call. Mhmm. That's okay. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello, miss Nels.","start":2.24,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.02173599600791931},{"text":"Okay.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":-0.13085398077964783},{"text":"Okay.","start":15.334999,"end":15.834999,"sentiment":"neutral","sentiment_score":0.04234829917550087},{"text":"Thank you.","start":16.535,"end":17.355,"sentiment":"positive","sentiment_score":0.40001803636550903},{"text":"Oh, I'm getting something.","start":40.59,"end":41.89,"sentiment":"neutral","sentiment_score":-0.082760414108634}],"sentiment":"neutral","sentiment_score":0.04051788388328119,"num_words":11,"start":2.24,"end":41.89},{"sentences":[{"text":"Thanks, Michelle.","start":55.24,"end":56.06,"sentiment":"neutral","sentiment_score":0.27356091141700745},{"text":"Hello.","start":62.280003,"end":62.600002,"sentiment":"neutral","sentiment_score":0.06399616599082947},{"text":"Is this Ricky?","start":62.600002,"end":63.420002,"sentiment":"neutral","sentiment_score":0.05358686422308286},{"text":"This this is Veronica from Achieve Financial.","start":65.0,"end":67.9,"sentiment":"neutral","sentiment_score":0.19106113484927587},{"text":"How are you?","start":67.96,"end":68.86,"sentiment":"neutral","sentiment_score":0.1643757422765096}],"sentiment":"neutral","sentiment_score":0.16265210951678455,"num_words":16,"start":55.24,"end":68.86},{"sentences":[{"text":"That's good.","start":71.065,"end":71.784996,"sentiment":"positive","sentiment_score":0.5285528898239136},{"text":"Thanks for returning my callback.","start":71.784996,"end":73.245,"sentiment":"positive","sentiment_score":0.5103554010391236},{"text":"That's okay.","start":79.865,"end":80.685,"sentiment":"neutral","sentiment_score":-0.005349753424525262},{"text":"Do you still have time to go over your annual review quickly with me?","start":82.04,"end":86.54,"sentiment":"neutral","sentiment_score":0.020104324179036275},{"text":"Yes.","start":87.72,"end":88.22,"sentiment":"neutral","sentiment_score":0.08995474874973297}],"sentiment":"neutral","sentiment_score":0.16539994021877646,"num_words":24,"start":71.065,"end":88.22},{"sentences":[{"text":"Okay.","start":88.36,"end":88.86,"sentiment":"neutral","sentiment_score":0.18068240582942963},{"text":"Perfect.","start":89.0,"end":89.5,"sentiment":"neutral","sentiment_score":0.30196309089660645},{"text":"And now, Rishi, before I do kind of jump into the annual review, I do like to kind of start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on?","start":91.0,"end":105.435,"sentiment":"neutral","sentiment_score":0.04631296122291436},{"text":"What?","start":107.494995,"end":107.994995,"sentiment":"neutral","sentiment_score":-0.100251704454422},{"text":"Just just the usual?","start":108.055,"end":109.195,"sentiment":"neutral","sentiment_score":-0.11618117615580559}],"sentiment":"neutral","sentiment_score":0.038921658660877836,"num_words":55,"start":88.36,"end":109.195},{"sentences":[{"text":"No.","start":112.09,"end":112.33,"sentiment":"neutral","sentiment_score":-0.09685777127742767},{"text":"That is okay.","start":112.33,"end":113.47,"sentiment":"neutral","sentiment_score":-0.047112793351213135},{"text":"So what I'm going to do, Ricky, is I'm going to quickly run through a bit of an updated fact find with you first just to see if there's anything major that kind of changed in your life where we might need to make some changes to your advice.","start":113.69,"end":128.035,"sentiment":"neutral","sentiment_score":-0.028924727042642782},{"text":"So just bear with me as I kind of go through this information.","start":129.135,"end":132.915,"sentiment":"neutral","sentiment_score":0.0011324464128567623},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependent.","start":134.255,"end":142.0,"sentiment":"neutral","sentiment_score":0.011774338193629918}],"sentiment":"neutral","sentiment_score":-0.016671453498523024,"num_words":85,"start":112.09,"end":142.0},{"sentences":[{"text":"Is that correct?","start":142.14,"end":142.96,"sentiment":"neutral","sentiment_score":0.014005158406992754},{"text":"Okay.","start":150.54001,"end":151.04001,"sentiment":"neutral","sentiment_score":-0.026955902576446533},{"text":"Yep.","start":154.06499,"end":154.56499,"sentiment":"neutral","sentiment_score":0.0017307301750406625},{"text":"Yep.","start":157.265,"end":157.765,"sentiment":"neutral","sentiment_score":0.12409906089305878},{"text":"Yeah.","start":169.31999,"end":169.72,"sentiment":"neutral","sentiment_score":0.1227325275540352}],"sentiment":"neutral","sentiment_score":0.03766027018095234,"num_words":7,"start":142.14,"end":169.72},{"sentences":[{"text":"Okay.","start":169.72,"end":170.2,"sentiment":"neutral","sentiment_score":0.27598559856414795},{"text":"Perfect.","start":170.2,"end":170.7,"sentiment":"positive","sentiment_score":0.5801311731338501},{"text":"So that would be for your your Netwealth beneficiary forms.","start":171.0,"end":175.01999,"sentiment":"positive","sentiment_score":0.3394695848226547},{"text":"Did did you not never received them?","start":176.51999,"end":178.93999,"sentiment":"neutral","sentiment_score":-0.03868361349616732},{"text":"Okay.","start":191.005,"end":191.505,"sentiment":"neutral","sentiment_score":-0.019119199365377423}],"sentiment":"neutral","sentiment_score":0.19804540630429984,"num_words":20,"start":169.72,"end":191.505},{"sentences":[{"text":"Okay.","start":192.125,"end":192.625,"sentiment":"neutral","sentiment_score":-0.01944155991077423},{"text":"Yep.","start":195.31,"end":195.81,"sentiment":"neutral","sentiment_score":-0.0703289732336998},{"text":"Yeah.","start":197.71,"end":198.21,"sentiment":"neutral","sentiment_score":-0.008597955107688904},{"text":"Do you have access to a printer at all?","start":199.95,"end":202.37,"sentiment":"neutral","sentiment_score":-0.02601876503063573},{"text":"No.","start":204.35,"end":204.85,"sentiment":"neutral","sentiment_score":-0.1641421020030975}],"sentiment":"neutral","sentiment_score":-0.03820611350238323,"num_words":13,"start":192.125,"end":204.85},{"sentences":[{"text":"Yep.","start":206.99,"end":207.49,"sentiment":"neutral","sentiment_score":-0.05124758183956146},{"text":"Okay.","start":207.79001,"end":208.29001,"sentiment":"neutral","sentiment_score":-0.03555049002170563},{"text":"Okay.","start":213.065,"end":213.565,"sentiment":"neutral","sentiment_score":-0.06805453449487686},{"text":"So what I can do is I can try to get the team to repost them to you by express post, and hopefully, they actually show up for you this time.","start":216.345,"end":227.92,"sentiment":"neutral","sentiment_score":0.07888550852094928},{"text":"Now the yeah.","start":228.46,"end":231.2,"sentiment":"neutral","sentiment_score":0.29159998893737793}],"sentiment":"neutral","sentiment_score":0.08555130066501128,"num_words":37,"start":206.99,"end":231.2},{"sentences":[{"text":"Let us know if you don't receive it, and we can always resend it.","start":232.22,"end":236.54001,"sentiment":"neutral","sentiment_score":0.031858431441443305},{"text":"Because like you said, sometimes Australia Post can be a little bit not predictable, but we'll do it by express post so we can get that sorted for you.","start":236.54001,"end":245.895,"sentiment":"neutral","sentiment_score":0.08128335519597449},{"text":"And can can I just confirm that the address that we would post it to would be Unit 1 Slash 80, Erwing Road, Woodridge, Queensland 4114.","start":246.355,"end":260.17,"sentiment":"neutral","sentiment_score":0.11757763876364781},{"text":"Yep.","start":260.95,"end":261.45,"sentiment":"neutral","sentiment_score":0.06480924040079117},{"text":"Erwing Road.","start":262.47,"end":263.35,"sentiment":"neutral","sentiment_score":0.07555455714464188}],"sentiment":"neutral","sentiment_score":0.08439128199178311,"num_words":72,"start":232.22,"end":263.35},{"sentences":[{"text":"Great.","start":263.35,"end":263.85,"sentiment":"positive","sentiment_score":0.5969674587249756},{"text":"I will get the team to express post those to you.","start":264.54498,"end":268.085,"sentiment":"positive","sentiment_score":0.4986984919417988},{"text":"And like I said, if you haven't received them in maybe two weeks, just let us know, and I'll I'll see if we can send them out again.","start":268.22498,"end":276.38498,"sentiment":"neutral","sentiment_score":0.1616879009774753},{"text":"But, hopefully, this time, they will come for you.","start":276.38498,"end":279.44498,"sentiment":"neutral","sentiment_score":0.3311144808928172},{"text":"Oh, so sorry?","start":282.52,"end":283.34,"sentiment":"neutral","sentiment_score":-0.02899337870379289}],"sentiment":"neutral","sentiment_score":0.2596723517188086,"num_words":52,"start":263.35,"end":283.34},{"sentences":[{"text":"Yes.","start":287.47998,"end":287.97998,"sentiment":"neutral","sentiment_score":0.12515735626220703},{"text":"And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you.","start":288.44,"end":302.395,"sentiment":"neutral","sentiment_score":0.12679190825867026},{"text":"It is tricky because you are making a legal nomination.","start":302.395,"end":305.375,"sentiment":"neutral","sentiment_score":-0.1483979694545269},{"text":"They have to be signed by Penn.","start":305.595,"end":307.535,"sentiment":"neutral","sentiment_score":-0.06126151606440544},{"text":"Would you like us to email it to you as well so you have it if you are close to a printer at some point?","start":310.27002,"end":316.53,"sentiment":"neutral","sentiment_score":0.046543111354112626}],"sentiment":"neutral","sentiment_score":0.05177799193763438,"num_words":81,"start":287.47998,"end":316.53},{"sentences":[{"text":"Or you don't think you will be?","start":319.87003,"end":321.57,"sentiment":"neutral","sentiment_score":-0.042463483022792},{"text":"No.","start":323.285,"end":323.785,"sentiment":"negative","sentiment_score":-0.3538593053817749},{"text":"Okay.","start":327.605,"end":328.105,"sentiment":"neutral","sentiment_score":-0.00993124209344387},{"text":"That's okay.","start":328.885,"end":329.785,"sentiment":"neutral","sentiment_score":0.1209288164973259},{"text":"We'll get them express posted.","start":329.92502,"end":331.545,"sentiment":"neutral","sentiment_score":0.1844877153635025}],"sentiment":"neutral","sentiment_score":0.031453830073587596,"num_words":16,"start":319.87003,"end":331.545},{"sentences":[{"text":"Kids in Queensland shouldn't take too long, but you never know.","start":331.845,"end":335.285,"sentiment":"neutral","sentiment_score":0.007744536819783124},{"text":"But I'll get the team on that right away.","start":335.285,"end":337.46503,"sentiment":"neutral","sentiment_score":0.00933688051170773},{"text":"Now with your children, are they still relying on youth financially, or are they a little bit 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you?","start":361.365,"end":363.465,"sentiment":"neutral","sentiment_score":0.06302657510553088}],"sentiment":"neutral","sentiment_score":0.14176576859072634,"num_words":19,"start":353.925,"end":363.465},{"sentences":[{"text":"Sheraton.","start":368.69,"end":369.19,"sentiment":"neutral","sentiment_score":0.01550414226949215},{"text":"How do you spell that for me?","start":369.33,"end":370.95,"sentiment":"neutral","sentiment_score":0.010448119470051356},{"text":"Yep.","start":374.45,"end":374.95,"sentiment":"neutral","sentiment_score":0.025938456878066063},{"text":"Okay.","start":382.315,"end":382.815,"sentiment":"neutral","sentiment_score":0.1797512173652649},{"text":"Perfect.","start":383.195,"end":383.695,"sentiment":"positive","sentiment_score":0.3494685888290405}],"sentiment":"neutral","sentiment_score":0.05852720378474756,"num_words":11,"start":368.69,"end":383.695},{"sentences":[{"text":"And would you like her as your next option as well?","start":385.675,"end":389.755,"sentiment":"neutral","sentiment_score":0.14695587076924063},{"text":"So if for some reason we can't get in touch with you.","start":389.755,"end":393.055,"sentiment":"neutral","sentiment_score":-0.14307224129637083},{"text":"Yep.","start":393.54,"end":394.04,"sentiment":"neutral","sentiment_score":0.01122182421386242},{"text":"And what's her best contact number?","start":395.22,"end":397.4,"sentiment":"neutral","sentiment_score":0.0032016951590776443},{"text":"I have the same for my husband.","start":410.265,"end":411.64502,"sentiment":"neutral","sentiment_score":0.015602133103779383}],"sentiment":"neutral","sentiment_score":0.001062016481080571,"num_words":37,"start":385.675,"end":411.64502},{"sentences":[{"text":"But husband.","start":412.905,"end":413.64502,"sentiment":"neutral","sentiment_score":-0.029488522559404373},{"text":"One four.","start":416.905,"end":417.625,"sentiment":"neutral","sentiment_score":0.002186530386097729},{"text":"Yep.","start":417.625,"end":418.125,"sentiment":"neutral","sentiment_score":0.008851807564496994},{"text":"Eight nine seven.","start":420.185,"end":421.48502,"sentiment":"neutral","sentiment_score":0.005110336079572638},{"text":"Yep.","start":421.545,"end":422.045,"sentiment":"neutral","sentiment_score":0.007881462574005127}],"sentiment":"neutral","sentiment_score":-0.002504411774377028,"num_words":9,"start":412.905,"end":422.045},{"sentences":[{"text":"438.","start":423.96997,"end":425.18997,"sentiment":"neutral","sentiment_score":0.02413198724389076},{"text":"Perfect.","start":425.56998,"end":426.06998,"sentiment":"positive","sentiment_score":0.5182200074195862},{"text":"When it comes to employment, how is that all going for you?","start":427.81,"end":432.68997,"sentiment":"neutral","sentiment_score":0.25317998851339024},{"text":"You're still working?","start":432.68997,"end":433.59,"sentiment":"neutral","sentiment_score":0.06469324603676796},{"text":"Yep.","start":434.955,"end":435.455,"sentiment":"neutral","sentiment_score":0.1124848648905754}],"sentiment":"neutral","sentiment_score":0.21594869221250215,"num_words":18,"start":423.96997,"end":435.455},{"sentences":[{"text":"Yeah.","start":435.755,"end":436.155,"sentiment":"neutral","sentiment_score":0.13052435219287872},{"text":"And what do you do for work, Ricky?","start":436.155,"end":438.07498,"sentiment":"neutral","sentiment_score":0.06495239166542888},{"text":"Because I don't think we've spoken before.","start":438.07498,"end":439.775,"sentiment":"neutral","sentiment_score":-0.014378798327275686},{"text":"Oh, yeah.","start":453.53,"end":454.11002,"sentiment":"neutral","sentiment_score":0.06280610710382462},{"text":"A bit of different things.","start":454.49002,"end":455.87,"sentiment":"neutral","sentiment_score":0.028159547969698905}],"sentiment":"neutral","sentiment_score":0.035473993533979294,"num_words":23,"start":435.755,"end":455.87},{"sentences":[{"text":"Yeah.","start":457.21002,"end":457.71002,"sentiment":"neutral","sentiment_score":0.05655514448881149},{"text":"Yep.","start":463.595,"end":464.095,"sentiment":"neutral","sentiment_score":0.04553095996379852},{"text":"Oh, wow.","start":474.51,"end":475.25,"sentiment":"neutral","sentiment_score":0.022835957352072},{"text":"So we we set, like, different warehouses and stuff?","start":476.66998,"end":479.63,"sentiment":"neutral","sentiment_score":0.0018995950101978248},{"text":"Or yeah.","start":479.63,"end":481.25,"sentiment":"neutral","sentiment_score":0.04619139665737748}],"sentiment":"neutral","sentiment_score":0.017149144504219293,"num_words":15,"start":457.21002,"end":481.25},{"sentences":[{"text":"Oh, perfect.","start":481.71,"end":482.44998,"sentiment":"positive","sentiment_score":0.3470481336116791},{"text":"And do you like your job?","start":482.51,"end":484.05,"sentiment":"neutral","sentiment_score":0.21997822324434915},{"text":"Yeah.","start":485.47,"end":485.97,"sentiment":"neutral","sentiment_score":0.03153899312019348},{"text":"Oh, wow.","start":486.585,"end":487.305,"sentiment":"neutral","sentiment_score":0.0504425223916769},{"text":"Yeah.","start":487.305,"end":487.625,"sentiment":"neutral","sentiment_score":0.030499402433633804}],"sentiment":"neutral","sentiment_score":0.18140742058555284,"num_words":12,"start":481.71,"end":487.625},{"sentences":[{"text":"So it was like a little bit anyway.","start":487.625,"end":489.325,"sentiment":"neutral","sentiment_score":-0.004323458066210151},{"text":"You're still working full time as 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know roughly how much?","start":510.71,"end":512.49,"sentiment":"neutral","sentiment_score":0.03716207078347603},{"text":"Okay.","start":528.76,"end":529.16,"sentiment":"neutral","sentiment_score":0.02486671879887581}],"sentiment":"neutral","sentiment_score":0.04241179312138181,"num_words":19,"start":504.63,"end":529.16},{"sentences":[{"text":"I'll update that to about 58.","start":529.16,"end":531.5,"sentiment":"neutral","sentiment_score":0.04533223373194536},{"text":"Perfect.","start":532.83997,"end":533.33997,"sentiment":"neutral","sentiment_score":0.15632762014865875},{"text":"Otherwise, I have here expenses and savings.","start":535.39996,"end":538.86,"sentiment":"neutral","sentiment_score":0.0005755613424948274},{"text":"Savings about a $150 a week and expenses about 500.","start":539.07996,"end":545.315,"sentiment":"neutral","sentiment_score":0.01184188723564148},{"text":"Does that sound roughly correct?","start":545.315,"end":547.575,"sentiment":"neutral","sentiment_score":0.02167991138994694}],"sentiment":"neutral","sentiment_score":0.022729944180825662,"num_words":29,"start":529.16,"end":547.575},{"sentences":[{"text":"Yep.","start":549.715,"end":550.215,"sentiment":"neutral","sentiment_score":-0.0694882720708847},{"text":"Yeah.","start":551.955,"end":552.455,"sentiment":"neutral","sentiment_score":-0.20521065592765808},{"text":"It's getting a bit crazy everywhere.","start":555.17004,"end":557.43005,"sentiment":"neutral","sentiment_score":-0.3013922969500224},{"text":"We're seeing that up here as well.","start":557.73004,"end":560.07,"sentiment":"negative","sentiment_score":-0.39540569271360126},{"text":"And then the cost of living and everything as well isn't helping.","start":560.85004,"end":563.83,"sentiment":"negative","sentiment_score":-0.4603642175594966}],"sentiment":"negative","sentiment_score":-0.3842690062743646,"num_words":27,"start":549.715,"end":563.83},{"sentences":[{"text":"Not as quick.","start":569.185,"end":570.065,"sentiment":"neutral","sentiment_score":-0.21595616141955057},{"text":"No.","start":570.065,"end":570.565,"sentiment":"neutral","sentiment_score":-0.09343653917312622},{"text":"Now assets and liabilities wise, you said you guys are all renting.","start":573.34503,"end":577.125,"sentiment":"neutral","sentiment_score":-0.03638704043502609},{"text":"Do you own a car or anything?","start":577.34503,"end":579.045,"sentiment":"neutral","sentiment_score":-0.017442796911512102},{"text":"Nope.","start":580.865,"end":581.365,"sentiment":"neutral","sentiment_score":-0.10330837965011597}],"sentiment":"neutral","sentiment_score":-0.058473227778449655,"num_words":24,"start":569.185,"end":581.365},{"sentences":[{"text":"Yep.","start":584.34,"end":584.74,"sentiment":"neutral","sentiment_score":0.06800439208745956},{"text":"That's that's okay.","start":584.74,"end":585.7,"sentiment":"neutral","sentiment_score":0.1220431203643481},{"text":"K.","start":585.7,"end":586.1,"sentiment":"neutral","sentiment_score":0.030836602672934532},{"text":"Do you have any your name on the way, like a post or motorbike or savings in the bank?","start":586.1,"end":592.6,"sentiment":"neutral","sentiment_score":0.02878344009973501},{"text":"Oh, yeah.","start":600.025,"end":600.665,"sentiment":"neutral","sentiment_score":0.03765965811908245}],"sentiment":"neutral","sentiment_score":0.04181442438409878,"num_words":26,"start":584.34,"end":600.665},{"sentences":[{"text":"How much do you think, my contents would be worth?","start":600.665,"end":605.325,"sentiment":"neutral","sentiment_score":0.022265312261879444},{"text":"Oh, perfect.","start":612.25,"end":612.99,"sentiment":"neutral","sentiment_score":0.2976466864347458},{"text":"I'll update that.","start":614.25,"end":615.31,"sentiment":"neutral","sentiment_score":0.2512415548165639},{"text":"And do you have any, like, personal loans or credit cards or anything like that?","start":615.76996,"end":621.79,"sentiment":"neutral","sentiment_score":0.047962271794676783},{"text":"Yeah.","start":623.76996,"end":624.08997,"sentiment":"neutral","sentiment_score":0.02223450131714344}],"sentiment":"neutral","sentiment_score":0.074623862521783,"num_words":31,"start":600.665,"end":624.08997},{"sentences":[{"text":"And how much do you know how much is owing on that one?","start":624.08997,"end":627.23,"sentiment":"neutral","sentiment_score":0.017491253236165412},{"text":"Okay.","start":629.71497,"end":630.21497,"sentiment":"neutral","sentiment_score":0.0191434882581234},{"text":"Perfect.","start":634.195,"end":634.51495,"sentiment":"neutral","sentiment_score":0.25223416090011597},{"text":"Oh, like limit.","start":634.51495,"end":635.495,"sentiment":"neutral","sentiment_score":0.08572439601023991},{"text":"Yeah.","start":635.555,"end":635.95496,"sentiment":"neutral","sentiment_score":0.09683438390493392}],"sentiment":"neutral","sentiment_score":0.04488271121916018,"num_words":19,"start":624.08997,"end":635.95496},{"sentences":[{"text":"Perfect.","start":635.95496,"end":636.45496,"sentiment":"neutral","sentiment_score":0.2219495326280594},{"text":"And health and lifestyle wise, I have you down here as a smoker.","start":638.035,"end":642.675,"sentiment":"neutral","sentiment_score":-0.011158989025996281},{"text":"Is that the case?","start":642.675,"end":643.65497,"sentiment":"neutral","sentiment_score":-0.03083446202799678},{"text":"No?","start":644.81,"end":645.31,"sentiment":"neutral","sentiment_score":-0.08112844824790955},{"text":"Perfect.","start":649.61005,"end":650.01,"sentiment":"neutral","sentiment_score":0.21447455883026123}],"sentiment":"neutral","sentiment_score":0.004344546888023615,"num_words":20,"start":635.95496,"end":650.01},{"sentences":[{"text":"I will make sure to change that for you.","start":650.01,"end":652.51,"sentiment":"neutral","sentiment_score":0.11591333399216334},{"text":"And have you had any changes to your health otherwise in the last twelve months?","start":654.65,"end":659.505,"sentiment":"neutral","sentiment_score":-0.015034350504477819},{"text":"No.","start":659.505,"end":659.905,"sentiment":"neutral","sentiment_score":0.018526479601860046},{"text":"Great.","start":659.905,"end":660.405,"sentiment":"neutral","sentiment_score":0.31993889808654785},{"text":"That's perfect.","start":661.265,"end":662.165,"sentiment":"positive","sentiment_score":0.4040372222661972}],"sentiment":"neutral","sentiment_score":0.07015159180653947,"num_words":28,"start":650.01,"end":662.165},{"sentences":[{"text":"That's good.","start":664.385,"end":665.285,"sentiment":"positive","sentiment_score":0.39640143513679504},{"text":"And estate planning wise, we'll get those beneficiary forms out to you.","start":665.825,"end":670.385,"sentiment":"neutral","sentiment_score":0.17819711255530515},{"text":"But otherwise, do you have a will in place?","start":670.385,"end":673.045,"sentiment":"neutral","sentiment_score":0.036983545041746564},{"text":"Yep.","start":678.36,"end":678.86,"sentiment":"neutral","sentiment_score":-0.1156930774450302},{"text":"I'm sorry.","start":685.07996,"end":685.74,"sentiment":"neutral","sentiment_score":-0.2184228077530861}],"sentiment":"neutral","sentiment_score":0.10428774743699111,"num_words":26,"start":664.385,"end":685.74},{"sentences":[{"text":"I'm sorry to hear that.","start":686.92,"end":688.38,"sentiment":"neutral","sentiment_score":-0.2429025650024414},{"text":"Yeah.","start":697.585,"end":698.085,"sentiment":"neutral","sentiment_score":-0.06157318502664566},{"text":"Yeah.","start":703.23,"end":703.73,"sentiment":"neutral","sentiment_score":0.1015961617231369},{"text":"Oh, well, that's good.","start":705.79,"end":706.93,"sentiment":"positive","sentiment_score":0.6460036039352417},{"text":"It always helps when you do have a supporting workplace as well when you go through things.","start":707.23,"end":712.03,"sentiment":"positive","sentiment_score":0.5688028475817513}],"sentiment":"positive","sentiment_score":0.3956847491541079,"num_words":28,"start":686.92,"end":712.03},{"sentences":[{"text":"So that's really good.","start":712.03,"end":713.49,"sentiment":"positive","sentiment_score":0.6559374630451202},{"text":"Okay.","start":714.59,"end":714.91,"sentiment":"neutral","sentiment_score":0.22924932837486267},{"text":"So that's kind of on the to do list to kind of update that.","start":714.91,"end":718.725,"sentiment":"neutral","sentiment_score":0.16204276414854185},{"text":"But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf?","start":720.40497,"end":725.225,"sentiment":"neutral","sentiment_score":0.03035214071472486},{"text":"Yep.","start":729.845,"end":730.345,"sentiment":"neutral","sentiment_score":0.06832680106163025}],"sentiment":"neutral","sentiment_score":0.16129162258335522,"num_words":35,"start":712.03,"end":730.345},{"sentences":[{"text":"Yep.","start":730.40497,"end":730.90497,"sentiment":"neutral","sentiment_score":0.049946948885917664},{"text":"No.","start":730.96497,"end":731.365,"sentiment":"neutral","sentiment_score":0.04547341912984848},{"text":"Perfect.","start":731.365,"end":731.865,"sentiment":"neutral","sentiment_score":0.26919737458229065},{"text":"And that was basically those information.","start":734.86,"end":736.88,"sentiment":"neutral","sentiment_score":0.13714819525678953},{"text":"So I guess kind of goals and stuff that you are working on in the next couple of years.","start":737.02,"end":743.04004,"sentiment":"neutral","sentiment_score":0.10396856108778402}],"sentiment":"neutral","sentiment_score":0.11296105624309608,"num_words":28,"start":730.40497,"end":743.04004},{"sentences":[{"text":"Do you have any specific, you know, financial goals or personal goals that you are working towards?","start":744.54004,"end":750.785,"sentiment":"neutral","sentiment_score":0.049873228020527786},{"text":"No?","start":752.685,"end":753.185,"sentiment":"neutral","sentiment_score":-0.15930399298667908},{"text":"That's okay.","start":753.405,"end":754.225,"sentiment":"neutral","sentiment_score":-0.15609875693917274},{"text":"Yeah.","start":756.845,"end":757.345,"sentiment":"neutral","sentiment_score":0.04872429370880127},{"text":"And I guess at the moment, obviously, you're working full time, which is great.","start":757.885,"end":762.305,"sentiment":"neutral","sentiment_score":0.12088465318083763}],"sentiment":"neutral","sentiment_score":0.06049865164927074,"num_words":35,"start":744.54004,"end":762.305},{"sentences":[{"text":"Do you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything?","start":762.98,"end":771.56,"sentiment":"neutral","sentiment_score":0.024688014379617842},{"text":"Yep.","start":774.74,"end":775.13995,"sentiment":"neutral","sentiment_score":0.023066122084856033},{"text":"Okay.","start":775.13995,"end":775.63995,"sentiment":"neutral","sentiment_score":0.07264924049377441},{"text":"Perfect.","start":775.69995,"end":776.18,"sentiment":"neutral","sentiment_score":0.15765461325645447},{"text":"So still a little while away.","start":776.18,"end":778.29504,"sentiment":"neutral","sentiment_score":-0.03217941833039125}],"sentiment":"neutral","sentiment_score":0.019465476845300967,"num_words":31,"start":762.98,"end":778.29504},{"sentences":[{"text":"And I have here that when you do decide to retire, that ideally, you would like to draw about a thousand dollars per week from super.","start":780.03503,"end":789.97504,"sentiment":"neutral","sentiment_score":0.06879067678864186},{"text":"Is that still kind of the goal for you?","start":790.62994,"end":793.02997,"sentiment":"neutral","sentiment_score":0.07653774817784627},{"text":"Obviously, it probably depends on what bills and expenses and everything is at the time.","start":793.02997,"end":798.64996,"sentiment":"neutral","sentiment_score":-0.008274757737914721},{"text":"But do you think that sounds pretty reasonable?","start":799.18994,"end":801.76996,"sentiment":"neutral","sentiment_score":0.06643132166936994},{"text":"Yes.","start":803.355,"end":803.855,"sentiment":"neutral","sentiment_score":0.15652507543563843}],"sentiment":"neutral","sentiment_score":0.05154663750554545,"num_words":59,"start":780.03503,"end":803.855},{"sentences":[{"text":"Yeah.","start":804.155,"end":804.635,"sentiment":"neutral","sentiment_score":0.2373182475566864},{"text":"Perfect.","start":804.635,"end":805.135,"sentiment":"positive","sentiment_score":0.3755720555782318},{"text":"Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile questionnaire.","start":807.115,"end":814.815,"sentiment":"neutral","sentiment_score":0.04402470445403686},{"text":"Now it can be a little bit tricky.","start":815.81,"end":817.91,"sentiment":"neutral","sentiment_score":-0.044917555060237646},{"text":"It is multiple choice to make it nice and easy.","start":817.97,"end":821.35,"sentiment":"neutral","sentiment_score":0.11021713018417359}],"sentiment":"neutral","sentiment_score":0.05435572783260242,"num_words":46,"start":804.155,"end":821.35},{"sentences":[{"text":"And you just let me know if it doesn't make sense.","start":822.05,"end":824.93,"sentiment":"neutral","sentiment_score":-0.09115083109248769},{"text":"Okay?","start":824.93,"end":825.43,"sentiment":"neutral","sentiment_score":-0.017601439729332924},{"text":"Now have you ever bought direct shares yourself, like on the stock market?","start":828.05,"end":833.445,"sentiment":"neutral","sentiment_score":-0.03936369731449164},{"text":"Next question is in regards to inflation.","start":840.625,"end":843.845,"sentiment":"neutral","sentiment_score":-0.05780588569385665},{"text":"So kind of like we spoke a little bit about everything are getting more expensive over time, and it does mean that your money is worth a little bit less and everything is costing more.","start":844.225,"end":855.55,"sentiment":"neutral","sentiment_score":-0.16751741447619029}],"sentiment":"neutral","sentiment_score":-0.11641402019938427,"num_words":67,"start":822.05,"end":855.55},{"sentences":[{"text":"Now when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices?","start":856.09,"end":869.65497,"sentiment":"neutral","sentiment_score":-0.03722578921411751},{"text":"Would you say very high risk, high, a little bit moderate, or small?","start":871.15497,"end":877.68,"sentiment":"neutral","sentiment_score":-0.048187497430122815},{"text":"Middle?","start":882.62,"end":883.10004,"sentiment":"neutral","sentiment_score":-0.008315709419548512},{"text":"About moderate?","start":883.10004,"end":883.92,"sentiment":"neutral","sentiment_score":0.013298106379806995},{"text":"Perfect.","start":884.14,"end":884.64,"sentiment":"positive","sentiment_score":0.4382398724555969}],"sentiment":"neutral","sentiment_score":-0.02796736269723624,"num_words":50,"start":856.09,"end":884.64},{"sentences":[{"text":"The next one is in regards to fluctuation.","start":886.885,"end":890.185,"sentiment":"neutral","sentiment_score":-0.04130250262096524},{"text":"So if you place an investment and then after six months, everything had decreased by 20%.","start":891.445,"end":901.82,"sentiment":"neutral","sentiment_score":-0.13975885906256735},{"text":"So it was down 20% due to kind of what is happening in the market as a whole.","start":901.82,"end":908.56,"sentiment":"neutral","sentiment_score":-0.2171214206351174},{"text":"Would you think that, okay, if I had the opportunity to do so, now is maybe a good time to invest a little bit more while the prices are a bit cheaper, or would you just kind of hold, wait to see what happens in the market, see if it comes back up, or would you want to sell and move to something a little bit less risky?","start":909.5,"end":937.27,"sentiment":"neutral","sentiment_score":-0.011089600622653961},{"text":"But that means then you are selling when the prices have already dropped.","start":937.805,"end":941.185,"sentiment":"neutral","sentiment_score":-0.21330522115413958}],"sentiment":"neutral","sentiment_score":-0.08131551264020485,"num_words":123,"start":886.885,"end":941.185},{"sentences":[{"text":"This one's a bit of a tricky one.","start":948.845,"end":950.70496,"sentiment":"neutral","sentiment_score":-0.04460760660003871},{"text":"I personally because I have a lot of time until retirement as well and, obviously, the the understanding of the market.","start":953.62,"end":961.88,"sentiment":"neutral","sentiment_score":0.021413198893978483},{"text":"So I would buy when it's low because I know that over time, market always goes up.","start":961.94,"end":968.5,"sentiment":"neutral","sentiment_score":0.04877548401846605},{"text":"So that's because I have a pretty high tolerance to rate.","start":968.5,"end":972.17505,"sentiment":"neutral","sentiment_score":0.023618426851250908},{"text":"I would say that most people would kind of be in a bit more of their mid range, but they would be, okay.","start":972.55505,"end":979.59503,"sentiment":"neutral","sentiment_score":0.014209090529576592}],"sentiment":"neutral","sentiment_score":0.018857641622889786,"num_words":80,"start":948.845,"end":979.59503},{"sentences":[{"text":"Well, I do understand that things do fluctuate.","start":979.59503,"end":982.815,"sentiment":"neutral","sentiment_score":0.03760079789208248},{"text":"So I'm kind of somewhere in the middle where, you know, maybe I just kind of hold and wait wait to see what's going to happen before I decide what I would like to do.","start":983.66003,"end":992.4,"sentiment":"neutral","sentiment_score":-0.05309095292219094},{"text":"Yes.","start":994.7,"end":995.2,"sentiment":"positive","sentiment_score":0.4998680353164673},{"text":"Yes.","start":995.5,"end":995.98004,"sentiment":"positive","sentiment_score":0.3701258301734924},{"text":"Perfect.","start":995.98004,"end":996.48004,"sentiment":"positive","sentiment_score":0.5279386043548584}],"sentiment":"neutral","sentiment_score":-0.0034661847672870626,"num_words":46,"start":979.59503,"end":996.48004},{"sentences":[{"text":"Okay.","start":1010.73505,"end":1011.23505,"sentiment":"neutral","sentiment_score":-0.003982735797762871},{"text":"That's okay.","start":1011.375,"end":1012.275,"sentiment":"neutral","sentiment_score":0.01684032427147031},{"text":"Do you have another last four minutes?","start":1015.02997,"end":1017.02997,"sentiment":"neutral","sentiment_score":-0.03062010183930397},{"text":"I could try to rush it.","start":1017.02997,"end":1018.65,"sentiment":"neutral","sentiment_score":-0.08262577032049497},{"text":"Yep.","start":1019.99,"end":1020.47,"sentiment":"neutral","sentiment_score":0.0489785373210907}],"sentiment":"neutral","sentiment_score":-0.03714228733716642,"num_words":17,"start":1010.73505,"end":1020.47},{"sentences":[{"text":"Okay.","start":1020.47,"end":1020.97,"sentiment":"neutral","sentiment_score":0.039584558457136154},{"text":"Basically, I'll skip these questions because I'm already gauging where you are at.","start":1021.58997,"end":1025.85,"sentiment":"neutral","sentiment_score":0.02869843218762141},{"text":"And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth.","start":1026.23,"end":1034.295,"sentiment":"neutral","sentiment_score":0.09376650765538215},{"text":"Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation.","start":1035.235,"end":1040.775,"sentiment":"neutral","sentiment_score":0.05208471497254712},{"text":"Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes?","start":1041.9199,"end":1047.94,"sentiment":"neutral","sentiment_score":0.055343047405282654}],"sentiment":"neutral","sentiment_score":0.06252267552757418,"num_words":77,"start":1020.47,"end":1047.94},{"sentences":[{"text":"No.","start":1049.9199,"end":1050.4199,"sentiment":"neutral","sentiment_score":-0.03092026710510254},{"text":"Great.","start":1051.2,"end":1051.7,"sentiment":"positive","sentiment_score":0.6378295421600342},{"text":"Yep.","start":1051.76,"end":1052.24,"sentiment":"positive","sentiment_score":0.47806316614151},{"text":"Perfect.","start":1052.24,"end":1052.74,"sentiment":"positive","sentiment_score":0.5471866130828857},{"text":"So the last thing there, Rich, is I have to send you an email.","start":1052.88,"end":1056.5599,"sentiment":"neutral","sentiment_score":0.07902893610298634}],"sentiment":"neutral","sentiment_score":0.1521424533178409,"num_words":18,"start":1049.9199,"end":1056.5599},{"sentences":[{"text":"Now I won't go through all the documents because I know you're in a rush and you have to go.","start":1056.5599,"end":1060.475,"sentiment":"neutral","sentiment_score":-0.0416070437990129},{"text":"So take your time to have a read over them when you have a moment.","start":1060.855,"end":1064.875,"sentiment":"neutral","sentiment_score":0.09705093378822009},{"text":"If you have any questions, let me know.","start":1065.2549,"end":1067.5149,"sentiment":"neutral","sentiment_score":0.059059768449515104},{"text":"But, essentially, there is a document to show you your current super balance in net wealth.","start":1067.815,"end":1072.62,"sentiment":"neutral","sentiment_score":0.059798919362947345},{"text":"There's also one talking about your portfolio performance.","start":1072.86,"end":1076.08,"sentiment":"neutral","sentiment_score":0.027507292106747627}],"sentiment":"neutral","sentiment_score":0.03392451231492989,"num_words":67,"start":1056.5599,"end":1076.08},{"sentences":[{"text":"Now I'm not sure if you have seen, but we have also sent you an email recently because we have swapped out one of the investments that was underperforming a little bit to one that's doing a little bit better for you.","start":1076.7,"end":1086.96,"sentiment":"neutral","sentiment_score":0.021170432324565593},{"text":"And then a bit of an updated services guide.","start":1088.1051,"end":1091.245,"sentiment":"neutral","sentiment_score":0.09429859618345897},{"text":"Otherwise, when you do have a read through the document, any questions, let me know.","start":1091.625,"end":1096.425,"sentiment":"neutral","sentiment_score":0.15759065101544062},{"text":"If it all makes sense and you are happy with the way things are going, I'll just need you to sign the digital link when you have a moment.","start":1096.425,"end":1103.87,"sentiment":"positive","sentiment_score":0.36946836987446097},{"text":"I'll get notified, upload everything, and that is basically it.","start":1104.3301,"end":1109.47,"sentiment":"neutral","sentiment_score":0.2553272992372513}],"sentiment":"neutral","sentiment_score":0.16542439054520358,"num_words":105,"start":1076.7,"end":1109.47},{"sentences":[{"text":"I know that was pretty rushed, but do you have any questions for me or it's pretty straightforward?","start":1109.53,"end":1113.63,"sentiment":"neutral","sentiment_score":0.1782848955028587},{"text":"Yes.","start":1115.255,"end":1115.755,"sentiment":"positive","sentiment_score":0.7328485250473022},{"text":"Perfect.","start":1115.895,"end":1116.295,"sentiment":"positive","sentiment_score":0.8478962182998657},{"text":"Well, I will let you go and get on with your day, Ricky.","start":1116.295,"end":1118.375,"sentiment":"positive","sentiment_score":0.7313725352287292},{"text":"Thank you for your time.","start":1118.375,"end":1119.255,"sentiment":"positive","sentiment_score":0.8304574966430665}],"sentiment":"positive","sentiment_score":0.4855264027259852,"num_words":38,"start":1109.53,"end":1119.255},{"sentences":[{"text":"Any questions, don't hesitate to give me a call.","start":1119.255,"end":1121.8351,"sentiment":"neutral","sentiment_score":0.19922149346934426},{"text":"Mhmm.","start":1122.6151,"end":1123.1151,"sentiment":"neutral","sentiment_score":0.23311713337898257},{"text":"That's okay.","start":1124.055,"end":1124.6951,"sentiment":"positive","sentiment_score":0.34313516318798065},{"text":"We'll speak soon.","start":1124.6951,"end":1125.675,"sentiment":"neutral","sentiment_score":0.21295610070228577},{"text":"Bye.","start":1127.015,"end":1127.515,"sentiment":"neutral","sentiment_score":0.07662780582904816}],"sentiment":"neutral","sentiment_score":0.21424231305718422,"num_words":16,"start":1119.255,"end":1127.515}]}}]},{"alternatives":[{"transcript":"Hi, Veronica. Oh, look. I've I've had some issues. I couldn't get him through directly. So I'm just gonna try a different way. So let me know if you lose him and I yeah. Okay? Alright. Okay. Transferring you now. Thank you. Okay, Veronica. It's I did. I did. I'm talking about it at the moment, and it's causing all sorts. Let me see if we can do this. Hi, Veronica. Ricky, can you hear me? Yeah. I can hear you. Fantastic. I'm going to leave you in this call with Veronica now. Okay? Okay. Thank you. Thank you. Bye. Bye. Okay. You're welcome. Bye. Yep. It certainly is. Not too bad. Thank you. Yeah. I've been pretty busy for the last twelve months. Yep. Certainly can. No. Not really. I've started some concern. Yeah. Just the u. Yep. Yep. No. Well, they they were supposed to send me another order letters out so that I could change it. Oh, I have I do have children in that, but I'm leaving it I'm leaving it up to my wife. And so then she could do all like, if anything happens to me and that, so she can look after everything for me. Yep. Well, they reckon they send it out, but I've never ever got them because now the post office only delivers once one week and twice the following week. So and because a lot of the mail was getting sent somewhere else. No. I don't. Because at the moment, we've got an empty building. Yeah. Because yeah. So we're just we're just moving from another depot. Yeah. Yep. That's appreciated. Okay. Thank you. Yep. Yeah. You yeah. Yeah. You Yep. Yep. Yeah. That's for yeah. No. I said, well, hopefully, that's for sure. Yep. No. I don't think I will be because I'm still stuck over here for the next couple of weeks. Yeah. So No. They're all they're all grown up. The the young the youngest one is my daughter, which is 33. Yep. No. No. It's still under her last name, Sheraton. Good question. S h yeah. S h e, p p, I n g p o n, I think it is. Yep. The best contact number will be where are we? Got it under wifey. Yeah. 8414 897 438. Yep. Still working. Yep. Well, I draw I'm in charge of the the dispatch section and make sure that all the orders go out. Plus I drive a forklift, then I drive trucks around the yard. Yep. And then I'm in the office doing paperwork and then making sure that all the orders are ready for the day. Yeah. So that at the moment, I've just been traveling from Melbourne to New Zealand to New South Wales, South Australia. Yeah. Yeah. Yep. Yep. Yeah. Well, I've been here ten years. Yeah. Yep. Certainly am. I think it might be more. I'll let you know in a sec. Yeah. Yeah. It's about yeah. 58,000. Yep. Yeah. Until the the rent yeah. Otherwise, I keep checking the rent up every year. No idea. No. That's for sure. Everything goes up, but the wages don't go up as quick. No. I the wife does. No. Well, I've got I own every every part of my furniture and everything like that. Oh. Oh, well, let's see. Maybe over 10,000? I have a credit card. About $800. Yeah. It's only a thousand dollar card. Yep. No. I haven't spoke for no. I haven't spoke for over thirty two years. Yeah. No. Still still pretty fit. No. I've gotta get another one done because the previous one and that that I had, well, my oldest twin boy died and then then because he died of the coronavirus. Yeah. So so then I lost another son and because he had a he got had a brain tumor. So yeah. So it's all I had to do one more work in that, and then then his boss was pretty good. Yep. Yep. Yep. Yep. Yep. Yeah. Probably my my wife. I'll leave everything for her to do. No. Not yet. I'll I'll decide when I get ahold. Probably not before. I'm 70. Yep. Yep. Yeah. That sounds reasonable. Yep. No. No. Probably probably middle. Yep. Yep. Yep. Yeah. Got the time. What would you suggest? Yeah. What would you suggest? Yeah. Yep. Yeah. Well, that's a good idea. Yeah. I've got a sort of rush now because I've got three people here waiting for me. And then and then I got a sailing car that's just pulled up. Yep. Yep. Oh, no. It's okay. But then it's it's the same. Yep. Yep. Yep. Yep. Yes. Yep. Pretty straightforward. Okay. Well, thank you very much. Okay. Bye. 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Veronica. Oh, look. I've I've had some issues. I couldn't get him through directly. So I'm just gonna try a different way.\n\nSo let me know if you lose him and I yeah. Okay? Alright. Okay. Transferring you now.\n\nThank you. Okay, Veronica. It's I did. I did. I'm talking about it at the moment, and it's causing all sorts.\n\nLet me see if we can do this. Hi, Veronica. Ricky, can you hear me? Yeah. I can hear you.\n\nFantastic. I'm going to leave you in this call with Veronica now. Okay? Okay. Thank you.\n\nThank you. Bye. Bye. Okay. You're welcome.\n\nBye. Yep. It certainly is. Not too bad. Thank you.\n\nYeah. I've been pretty busy for the last twelve months. Yep. Certainly can. No.\n\nNot really. I've started some concern. Yeah. Just the u. Yep.\n\nYep. No. Well, they they were supposed to send me another order letters out so that I could change it. Oh, I have I do have children in that, but I'm leaving it I'm leaving it up to my wife. And so then she could do all like, if anything happens to me and that, so she can look after everything for me.\n\nYep. Well, they reckon they send it out, but I've never ever got them because now the post office only delivers once one week and twice the following week. So and because a lot of the mail was getting sent somewhere else. No. I don't.\n\nBecause at the moment, we've got an empty building. Yeah. Because yeah. So we're just we're just moving from another depot. Yeah.\n\nYep. That's appreciated. Okay. Thank you. Yep.\n\nYeah. You yeah. Yeah. You Yep. Yep.\n\nYeah. That's for yeah. No. I said, well, hopefully, that's for sure. Yep.\n\nNo. I don't think I will be because I'm still stuck over here for the next couple of weeks. Yeah. So No. They're all they're all grown up.\n\nThe the young the youngest one is my daughter, which is 33. Yep. No. No. It's still under her last name, Sheraton.\n\nGood question. S h yeah. S h e, p p, I n g p o n, I think it is. Yep. The best contact number will be where are we?\n\nGot it under wifey. Yeah. 8414 897 438. Yep. Still working.\n\nYep. Well, I draw I'm in charge of the the dispatch section and make sure that all the orders go out. Plus I drive a forklift, then I drive trucks around the yard. Yep. And then I'm in the office doing paperwork and then making sure that all the orders are ready for the day.\n\nYeah. So that at the moment, I've just been traveling from Melbourne to New Zealand to New South Wales, South Australia. Yeah. Yeah. Yep.\n\nYep. Yeah. Well, I've been here ten years. Yeah. Yep.\n\nCertainly am. I think it might be more. I'll let you know in a sec. Yeah. Yeah.\n\nIt's about yeah. 58,000. Yep. Yeah. Until the the rent yeah.\n\nOtherwise, I keep checking the rent up every year. No idea. No. That's for sure. Everything goes up, but the wages don't go up as quick.\n\nNo. I the wife does. No. Well, I've got I own every every part of my furniture and everything like that. Oh.\n\nOh, well, let's see. Maybe over 10,000? I have a credit card. About $800. Yeah.\n\nIt's only a thousand dollar card. Yep. No. I haven't spoke for no. I haven't spoke for over thirty two years.\n\nYeah. No. Still still pretty fit. No. I've gotta get another one done because the previous one and that that I had, well, my oldest twin boy died and then then because he died of the coronavirus.\n\nYeah. So so then I lost another son and because he had a he got had a brain tumor. So yeah. So it's all I had to do one more work in that, and then then his boss was pretty good. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nProbably my my wife. I'll leave everything for her to do. No. Not yet. I'll I'll decide when I get ahold.\n\nProbably not before. I'm 70. Yep. Yep. Yeah.\n\nThat sounds reasonable. Yep. No. No. Probably probably middle.\n\nYep. Yep. Yep. Yeah. Got the time.\n\nWhat would you suggest? Yeah. What would you suggest? Yeah. Yep.\n\nYeah. Well, that's a good idea. Yeah. I've got a sort of rush now because I've got three people here waiting for me. And then and then I got a sailing car that's just pulled up.\n\nYep. Yep. Oh, no. It's okay. But then it's it's the same.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Pretty straightforward. Okay. Well, thank you very much. Okay.\n\nBye. I'm coming.","paragraphs":[{"sentences":[{"text":"Hi, Veronica.","start":2.6399999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.025820426642894745},{"text":"Oh, look.","start":4.08,"end":4.56,"sentiment":"neutral","sentiment_score":-0.09036964923143387},{"text":"I've I've had some issues.","start":4.56,"end":6.08,"sentiment":"neutral","sentiment_score":-0.29755699038505556},{"text":"I couldn't get him through directly.","start":6.08,"end":7.6,"sentiment":"negative","sentiment_score":-0.4355337570110957},{"text":"So I'm just gonna try a different way.","start":7.6,"end":9.86,"sentiment":"neutral","sentiment_score":-0.28965095058083534}],"sentiment":"neutral","sentiment_score":-0.2846649366876353,"num_words":23,"start":2.6399999,"end":9.86},{"sentences":[{"text":"So let me know if you lose him and I 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same.","start":1049.935,"end":1051.395,"sentiment":"neutral","sentiment_score":0.006411143966640036}],"sentiment":"neutral","sentiment_score":0.010201178840361536,"num_words":12,"start":1019.225,"end":1051.395},{"sentences":[{"text":"Yep.","start":1060.66,"end":1061.16,"sentiment":"neutral","sentiment_score":0.06297037750482559},{"text":"Yep.","start":1065.22,"end":1065.72,"sentiment":"neutral","sentiment_score":0.05605301260948181},{"text":"Yep.","start":1067.925,"end":1068.425,"sentiment":"neutral","sentiment_score":0.056420475244522095},{"text":"Yep.","start":1075.685,"end":1076.185,"sentiment":"neutral","sentiment_score":0.05822072550654411},{"text":"Yes.","start":1086.41,"end":1086.91,"sentiment":"neutral","sentiment_score":0.09935081005096436}],"sentiment":"neutral","sentiment_score":0.06660308018326759,"num_words":5,"start":1060.66,"end":1086.91},{"sentences":[{"text":"Yep.","start":1104.345,"end":1104.72,"sentiment":"neutral","sentiment_score":0.22490832209587097},{"text":"Pretty straightforward.","start":1114.1599,"end":1114.9,"sentiment":"positive","sentiment_score":0.7415937185287476},{"text":"Okay.","start":1121.785,"end":1122.1849,"sentiment":"neutral","sentiment_score":0.1907095164060593},{"text":"Well, thank you very much.","start":1122.1849,"end":1123.645,"sentiment":"positive","sentiment_score":0.4785966843366623},{"text":"Okay.","start":1125.785,"end":1126.265,"sentiment":"neutral","sentiment_score":0.1383446455001831}],"sentiment":"positive","sentiment_score":0.443013334274292,"num_words":10,"start":1104.345,"end":1126.265},{"sentences":[{"text":"Bye.","start":1126.265,"end":1126.765,"sentiment":"neutral","sentiment_score":0.12460494041442872},{"text":"I'm coming.","start":1128.025,"end":1128.765,"sentiment":"neutral","sentiment_score":-0.04202363081276417}],"sentiment":"neutral","sentiment_score":0.013519226262966791,"num_words":3,"start":1126.265,"end":1128.765}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello,\n\nChannel 1: Hi,\n\nChannel 0: miss\n\nChannel 1: Veronica.\n\nChannel 0: Nels.\n\nChannel 1: Oh, look. I've I've had some issues. I couldn't get him through directly. So I'm just gonna try a different way.\n\nChannel 0: Okay.\n\nChannel 1: So let me know if you lose him and I yeah. Okay? Alright.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Thank\n\nChannel 1: Transferring\n\nChannel 0: you.\n\nChannel 1: you now. Thank you. Okay, Veronica. It's I did. I did.\n\nI'm talking about it at the moment, and it's causing all sorts. Let me see if we can do this.\n\nChannel 0: Oh, I'm getting something.\n\nChannel 1: Hi, Veronica. Ricky, can you hear me? Yeah. I can hear you. Fantastic.\n\nI'm going to leave you in this call with Veronica now. Okay? Okay. Thank you. Thank you.\n\nChannel 0: Thanks,\n\nChannel 1: Bye.\n\nChannel 0: Michelle.\n\nChannel 1: Bye. Okay. You're welcome. Bye.\n\nChannel 0: Hello. Is this Ricky?\n\nChannel 1: Yep. It certainly is.\n\nChannel 0: This this is Veronica from Achieve Financial. How are you?\n\nChannel 1: Not too bad. Thank you.\n\nChannel 0: That's good. Thanks for returning my callback.\n\nChannel 1: Yeah. I've been pretty busy for the last twelve months.\n\nChannel 0: That's okay. Do you still have time to go over your annual review quickly with me?\n\nChannel 1: Yep. Certainly can.\n\nChannel 0: Yes. Okay. Perfect. And now, Rishi, before I do kind of jump into the annual review, I do like to kind of start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on?\n\nChannel 1: No. Not really.\n\nChannel 0: What?\n\nChannel 1: I've started\n\nChannel 0: Just just\n\nChannel 1: some\n\nChannel 0: the\n\nChannel 1: concern.\n\nChannel 0: usual?\n\nChannel 1: Yeah. Just the u.\n\nChannel 0: No. That is okay. So what I'm going to do, Ricky, is I'm going to quickly run through a bit of an updated fact find with you first just\n\nChannel 1: Yep.\n\nChannel 0: to see if there's anything major that kind of changed in your life where we might need to make some changes to your advice.\n\nChannel 1: Yep.\n\nChannel 0: So just bear with me as I kind of go through this information. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that correct?\n\nChannel 1: No. Well, they they were supposed to send me another order letters out so that I could\n\nChannel 0: Okay.\n\nChannel 1: change it. Oh, I have I do have children in that, but I'm\n\nChannel 0: Yep.\n\nChannel 1: leaving it I'm leaving it up to my wife.\n\nChannel 0: Yep.\n\nChannel 1: And so then she could do all like, if anything happens to me and that, so she can look after everything for me.\n\nChannel 0: Yeah. Okay. Perfect. So that would be for your your Netwealth beneficiary forms.\n\nChannel 1: Yep.\n\nChannel 0: Did did you not never received them?\n\nChannel 1: Well, they reckon they send it out, but I've never ever got them because now the post office only delivers once one week and twice the following week.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: and because a lot of the mail was getting\n\nChannel 0: Yep.\n\nChannel 1: sent somewhere else.\n\nChannel 0: Yeah. Do you have access to a printer at all?\n\nChannel 1: No. I don't. Because at the\n\nChannel 0: No.\n\nChannel 1: moment, we've got an empty building.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Because yeah. So we're just we're just moving from another\n\nChannel 0: Okay.\n\nChannel 1: depot. Yeah.\n\nChannel 0: So what I can do is I can try to get the team to repost them to you by express post, and hopefully, they actually show up for you this time.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: appreciated.\n\nChannel 0: yeah. Let us know if you don't receive it, and we can always resend it. Because like you said, sometimes Australia Post can be a little bit not predictable, but we'll do it by express post so we can get that sorted for you. And\n\nChannel 1: Okay. Thank\n\nChannel 0: can\n\nChannel 1: you.\n\nChannel 0: can I just confirm that the address that we would post it to would be Unit 1 Slash 80,\n\nChannel 1: Yep.\n\nChannel 0: Erwing Road, Woodridge, Queensland\n\nChannel 1: Yeah.\n\nChannel 0: 4114.\n\nChannel 1: You yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: You Yep.\n\nChannel 0: Erwing Road. Great. I will get the team to express post those to you. And like I said, if you haven't received them in maybe two weeks, just\n\nChannel 1: Yep.\n\nChannel 0: let us know, and I'll I'll see if we can send them out again. But, hopefully, this time, they will come for you.\n\nChannel 1: Yeah. That's for\n\nChannel 0: Oh, so sorry?\n\nChannel 1: yeah. No. I said, well, hopefully, that's for sure.\n\nChannel 0: Yes. And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you. It is tricky because you are making a legal nomination. They have to be signed by Penn.\n\nChannel 1: Yep.\n\nChannel 0: Would you like us to email it to you as well so you have it if you are close to a printer at some point? Or you don't think you will be?\n\nChannel 1: No. I don't think I will be\n\nChannel 0: No.\n\nChannel 1: because I'm still stuck over here for the next couple of weeks.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. We'll get them express posted. Kids in Queensland shouldn't take too long, but you\n\nChannel 1: So\n\nChannel 0: never know. But I'll get the team on that right away. Now with your children, are they still relying on youth financially, or are they a little bit older?\n\nChannel 1: No. They're all they're all grown up.\n\nChannel 0: Yes.\n\nChannel 1: The the\n\nChannel 0: Okay.\n\nChannel 1: young the youngest one is my daughter, which is 33.\n\nChannel 0: Okay. Perfect. I do have here your wife's name as Gail.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And the same last name as you?\n\nChannel 1: No. No. It's still under her last name, Sheraton.\n\nChannel 0: Sheraton. How do you spell that for me?\n\nChannel 1: Good question. S h\n\nChannel 0: Yep.\n\nChannel 1: yeah. S h e, p p, I n g p o n, I think it is.\n\nChannel 0: Okay. Perfect. And would you like her as your next option as well? So if for some reason we can't get in touch with you. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And what's her best contact number?\n\nChannel 1: The best contact number will be where are we? Got it under wifey.\n\nChannel 0: I have the same for my husband.\n\nChannel 1: Yeah.\n\nChannel 0: But husband.\n\nChannel 1: 8414\n\nChannel 0: One four. Yep.\n\nChannel 1: 897\n\nChannel 0: Eight nine seven. Yep.\n\nChannel 1: 438.\n\nChannel 0: 438. Perfect. When it comes to employment, how is that all going for you? You're still working?\n\nChannel 1: Yep. Still working.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And what do you do for work, Ricky? Because I don't think we've spoken before.\n\nChannel 1: Well, I draw I'm in charge of the the dispatch section and make sure that all the orders go out. Plus I drive a forklift, then I drive trucks around the yard.\n\nChannel 0: Oh, yeah. A bit\n\nChannel 1: Yep.\n\nChannel 0: of different things.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: then I'm in the office doing paperwork and then making sure that all the orders are ready for the day.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So that at the moment, I've just been traveling from Melbourne to New Zealand to New South Wales, South\n\nChannel 0: Oh,\n\nChannel 1: Australia.\n\nChannel 0: wow.\n\nChannel 1: Yeah.\n\nChannel 0: So we we set, like, different warehouses and stuff? Or\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: yeah. Oh, perfect. And do you like your job?\n\nChannel 1: Yeah. Well, I've been here\n\nChannel 0: Yeah.\n\nChannel 1: ten years.\n\nChannel 0: Oh, wow. Yeah. So it was like a little bit anyway.\n\nChannel 1: Yeah.\n\nChannel 0: You're still working full time as well?\n\nChannel 1: Yep. Certainly\n\nChannel 0: Yes.\n\nChannel 1: am.\n\nChannel 0: Perfect. I do have here last time we spoke to you, your income was around 57,500. Is that still the case or has that changed?\n\nChannel 1: I think it might be more.\n\nChannel 0: Okay. That's good. Do you know roughly how much?\n\nChannel 1: I'll let you know in a sec. Yeah. Yeah. It's about yeah. 58,000.\n\nChannel 0: Okay. I'll update that to about 58. Perfect. Otherwise, I have here expenses and savings. Savings about a $150 a week and\n\nChannel 1: Yep.\n\nChannel 0: expenses about 500. Does that sound roughly correct?\n\nChannel 1: Yeah. Until\n\nChannel 0: Yep.\n\nChannel 1: the the rent yeah. Otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: I keep checking the rent up every year.\n\nChannel 0: It's getting a bit crazy everywhere. We're\n\nChannel 1: No\n\nChannel 0: seeing\n\nChannel 1: idea.\n\nChannel 0: that up here as well. And then the cost of living and everything as well isn't helping.\n\nChannel 1: No. That's for sure. Everything goes up, but the wages don't go up as quick.\n\nChannel 0: Not as quick. No. Now assets and liabilities wise, you said you guys are all renting. Do you own a car or anything?\n\nChannel 1: No. I\n\nChannel 0: Nope.\n\nChannel 1: the wife does.\n\nChannel 0: Yep. That's that's okay. K. Do you have any your name on the way, like a post or motorbike or savings in the bank?\n\nChannel 1: No. Well, I've got I own every every part of my furniture and everything like that.\n\nChannel 0: Oh, yeah. How much do you think, my contents would be worth?\n\nChannel 1: Oh. Oh, well, let's see. Maybe over 10,000?\n\nChannel 0: Oh, perfect. I'll update that. And do you have any, like, personal loans or credit cards or anything like that?\n\nChannel 1: I have a credit card.\n\nChannel 0: Yeah. And how much do you know how much is owing on that one?\n\nChannel 1: About $800.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. It's only a thousand dollar card.\n\nChannel 0: Perfect. Oh, like limit. Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And health and lifestyle wise, I have you down here as a smoker. Is that the case?\n\nChannel 1: No. I haven't\n\nChannel 0: No?\n\nChannel 1: spoke for no. I haven't spoke for over thirty two years.\n\nChannel 0: Perfect. I will make sure to change that for you.\n\nChannel 1: Yeah.\n\nChannel 0: And have you had any changes to your health otherwise in\n\nChannel 1: No.\n\nChannel 0: the last twelve months? No. Great. That's perfect.\n\nChannel 1: Still still pretty fit.\n\nChannel 0: That's good. And estate planning wise, we'll get those beneficiary forms out to you. But otherwise, do you have a will in place?\n\nChannel 1: No. I've gotta get another one done because the previous one and\n\nChannel 0: Yep.\n\nChannel 1: that that I had, well, my oldest twin boy died and then then because he died of\n\nChannel 0: I'm\n\nChannel 1: the\n\nChannel 0: sorry.\n\nChannel 1: coronavirus.\n\nChannel 0: I'm sorry to hear that.\n\nChannel 1: Yeah. So so then I lost another son and because he had a he got had a brain tumor. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So it's all I had to do one more work in that, and then then\n\nChannel 0: Yeah.\n\nChannel 1: his boss was pretty good.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: well, that's good. It always helps when you do have a supporting\n\nChannel 1: Yep.\n\nChannel 0: workplace\n\nChannel 1: Yep.\n\nChannel 0: as well when you go through things. So that's\n\nChannel 1: Yep.\n\nChannel 0: really good. Okay. So that's kind of on the to do list to kind of\n\nChannel 1: Yep.\n\nChannel 0: update that. But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf?\n\nChannel 1: Yeah. Probably my my wife. I'll leave everything for her to do.\n\nChannel 0: Yep. Yep. No. Perfect. And that was basically those information.\n\nSo I guess kind of goals and stuff that you are working on in the next couple of years. Do you have any specific, you know, financial goals or personal goals that you are working towards?\n\nChannel 1: No. Not yet.\n\nChannel 0: No? That's\n\nChannel 1: I'll I'll\n\nChannel 0: okay.\n\nChannel 1: decide when I get ahold.\n\nChannel 0: Yeah. And I guess at the moment, obviously, you're working full time, which is great. Do you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything?\n\nChannel 1: Probably not before. I'm 70.\n\nChannel 0: Yep. Okay. Perfect. So still a little while away.\n\nChannel 1: Yep.\n\nChannel 0: And I have here that when you do decide to retire, that ideally, you would like to draw about a thousand dollars per week from super. Is that still kind of the goal for you? Obviously, it probably depends on what bills and expenses and everything is at the time.\n\nChannel 1: Yep.\n\nChannel 0: But do you think that sounds pretty reasonable?\n\nChannel 1: Yeah. That sounds reasonable.\n\nChannel 0: Yes. Yeah. Perfect. Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile\n\nChannel 1: Yep.\n\nChannel 0: questionnaire. Now it can be a little bit tricky. It is multiple choice to make it nice and easy. And you just let me know if it doesn't make sense. Okay?\n\nNow have you ever bought direct shares yourself, like\n\nChannel 1: No.\n\nChannel 0: on the stock market?\n\nChannel 1: No.\n\nChannel 0: Next question is in regards to inflation. So kind of like we spoke a little bit about everything are getting more expensive over time, and it does mean that your money is worth a little bit less and everything is costing more. Now when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices? Would you say very high risk, high, a little bit moderate, or small?\n\nChannel 1: Probably probably middle.\n\nChannel 0: Middle? About moderate? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: The next one is in regards to fluctuation. So if you place an investment and then after six months, everything had decreased by 20%. So it was down 20% due to kind of what is happening in the market as a whole. Would you\n\nChannel 1: Yep.\n\nChannel 0: think that, okay, if I had the opportunity to do so, now is maybe a good time to invest a little bit more while the prices are a bit cheaper, or\n\nChannel 1: Yep.\n\nChannel 0: would you just kind of hold, wait to see what happens in the market, see if it comes back up, or would you want to sell and move to something a little bit less risky? But that means then you are selling when the prices have already dropped.\n\nChannel 1: Yeah. Got the time. What\n\nChannel 0: This\n\nChannel 1: would\n\nChannel 0: one's a\n\nChannel 1: you\n\nChannel 0: bit\n\nChannel 1: suggest?\n\nChannel 0: of a tricky one.\n\nChannel 1: Yeah. What would you suggest?\n\nChannel 0: I personally because I have a lot of time until retirement\n\nChannel 1: Yeah.\n\nChannel 0: as well and, obviously, the the understanding of the market. So I would buy when it's low because I know that over time, market always goes up. So that's because I have a pretty high tolerance to rate.\n\nChannel 1: Yep.\n\nChannel 0: I would say that most people would kind of be in a bit more of their mid range, but they would be, okay. Well, I do understand that things do fluctuate. So I'm kind of somewhere in the middle where, you know, maybe I just kind of hold and wait wait to see what's going to happen before I decide what I would like to do.\n\nChannel 1: Yeah. Well, that's a good\n\nChannel 0: Yes. Yes.\n\nChannel 1: idea.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. I've got a sort of rush now because I've got three people here waiting for me. And then and then I got a sailing car that's just pulled up.\n\nChannel 0: Okay. That's okay. Do you have another last four minutes? I could try to rush it.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Basically, I'll skip these questions because I'm already gauging where you are at.\n\nChannel 1: Yep.\n\nChannel 0: And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth. Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation. Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes?\n\nChannel 1: Oh, no. It's okay.\n\nChannel 0: No.\n\nChannel 1: But then it's it's the same.\n\nChannel 0: Great. Yep. Perfect. So the last thing there, Rich, is I have to send you an email. Now I won't go through all the documents because I know you're in a rush and you have to go.\n\nChannel 1: Yep.\n\nChannel 0: So take your time to have a read over them when you have a moment.\n\nChannel 1: Yep.\n\nChannel 0: If you have any questions, let me know. But,\n\nChannel 1: Yep.\n\nChannel 0: essentially, there is a document to show you your current super balance in net wealth. There's also one talking about your portfolio performance.\n\nChannel 1: Yep.\n\nChannel 0: Now I'm not sure if you have seen, but we have also sent you an email recently because we have swapped out one of the investments that was underperforming a little bit to one that's doing a little bit better for\n\nChannel 1: Yes.\n\nChannel 0: you. And then a bit of an updated services guide. Otherwise, when you do have a read through the document, any questions, let me know. If it all makes sense and you are happy with the way things are going, I'll just need you to sign the digital link when you have a moment. I'll\n\nChannel 1: Yep.\n\nChannel 0: get notified, upload everything, and that is basically it. I know that was pretty rushed, but do you have any questions for me or it's pretty straightforward?\n\nChannel 1: Pretty straightforward.\n\nChannel 0: Yes. Perfect. Well, I will let you go and get on with your day, Ricky. Thank you for your time. Any questions, don't hesitate to give me a call.\n\nChannel 1: Okay. Well, thank you\n\nChannel 0: Mhmm.\n\nChannel 1: very much.\n\nChannel 0: That's okay. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.\n\nChannel 1: I'm coming.","paragraphs":[{"sentences":[{"text":"Hello,","start":2.24,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.02365173026919365}],"sentiment":"neutral","sentiment_score":0.02365173026919365,"channel":0,"num_words":1,"start":2.24,"end":2.6399999},{"sentences":[{"text":"Hi,","start":2.6399999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.03615926206111908}],"sentiment":"neutral","sentiment_score":0.03615926206111908,"channel":1,"num_words":1,"start":2.6399999,"end":2.8799999},{"sentences":[{"text":"miss","start":2.6399999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.022859856486320496}],"sentiment":"neutral","sentiment_score":0.022859856486320496,"channel":0,"num_words":1,"start":2.6399999,"end":2.8799999},{"sentences":[{"text":"Veronica.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.01548159122467041}],"sentiment":"neutral","sentiment_score":0.01548159122467041,"channel":1,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"Nels.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.01869640126824379}],"sentiment":"neutral","sentiment_score":0.01869640126824379,"channel":0,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"Oh, look.","start":4.08,"end":4.56,"sentiment":"neutral","sentiment_score":-0.09036964923143387},{"text":"I've I've had some issues.","start":4.56,"end":6.08,"sentiment":"neutral","sentiment_score":-0.29755699038505556},{"text":"I couldn't get him through directly.","start":6.08,"end":7.6,"sentiment":"negative","sentiment_score":-0.4355337570110957},{"text":"So I'm just gonna try a different way.","start":7.6,"end":9.86,"sentiment":"neutral","sentiment_score":-0.28965095058083534}],"sentiment":"neutral","sentiment_score":-0.31423497129054295,"channel":1,"num_words":21,"start":4.08,"end":9.86},{"sentences":[{"text":"Okay.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":-0.13085398077964783}],"sentiment":"neutral","sentiment_score":-0.13085398077964783,"channel":0,"num_words":1,"start":10.16,"end":10.66},{"sentences":[{"text":"So let me know if you lose him and I yeah.","start":11.44,"end":14.88,"sentiment":"neutral","sentiment_score":-0.139265621250326},{"text":"Okay?","start":14.88,"end":15.28,"sentiment":"neutral","sentiment_score":-0.04700588062405586},{"text":"Alright.","start":15.28,"end":15.78,"sentiment":"neutral","sentiment_score":0.01150286477059126}],"sentiment":"neutral","sentiment_score":-0.12057114227746542,"channel":1,"num_words":13,"start":11.44,"end":15.78},{"sentences":[{"text":"Okay.","start":15.334999,"end":15.834999,"sentiment":"neutral","sentiment_score":0.04234829917550087}],"sentiment":"neutral","sentiment_score":0.04234829917550087,"channel":0,"num_words":1,"start":15.334999,"end":15.834999},{"sentences":[{"text":"Okay.","start":16.375,"end":16.615,"sentiment":"neutral","sentiment_score":0.10957765579223631}],"sentiment":"neutral","sentiment_score":0.10957765579223631,"channel":1,"num_words":1,"start":16.375,"end":16.615},{"sentences":[{"text":"Thank","start":16.535,"end":16.855,"sentiment":"positive","sentiment_score":0.4336925745010376}],"sentiment":"positive","sentiment_score":0.4336925745010376,"channel":0,"num_words":1,"start":16.535,"end":16.855},{"sentences":[{"text":"Transferring","start":16.615,"end":17.115,"sentiment":"positive","sentiment_score":0.3663109540939331}],"sentiment":"positive","sentiment_score":0.3663109540939331,"channel":1,"num_words":1,"start":16.615,"end":17.115},{"sentences":[{"text":"you.","start":16.855,"end":17.355,"sentiment":"positive","sentiment_score":0.36634349822998047}],"sentiment":"positive","sentiment_score":0.36634349822998047,"channel":0,"num_words":1,"start":16.855,"end":17.355},{"sentences":[{"text":"you 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time.","start":1118.375,"end":1119.255,"sentiment":"positive","sentiment_score":0.8304574966430665},{"text":"Any questions, don't hesitate to give me a call.","start":1119.255,"end":1121.8351,"sentiment":"neutral","sentiment_score":0.19922149346934426}],"sentiment":"positive","sentiment_score":0.5873747801986234,"channel":0,"num_words":29,"start":1115.255,"end":1121.8351},{"sentences":[{"text":"Okay.","start":1121.785,"end":1122.1849,"sentiment":"neutral","sentiment_score":0.1907095164060593},{"text":"Well, thank you","start":1122.1849,"end":1122.825,"sentiment":"positive","sentiment_score":0.44340868294239044}],"sentiment":"positive","sentiment_score":0.38023389130830765,"channel":1,"num_words":4,"start":1121.785,"end":1122.825},{"sentences":[{"text":"Mhmm.","start":1122.6151,"end":1123.1151,"sentiment":"neutral","sentiment_score":0.23311713337898257}],"sentiment":"neutral","sentiment_score":0.23311713337898257,"channel":0,"num_words":1,"start":1122.6151,"end":1123.1151},{"sentences":[{"text":"very much.","start":1122.825,"end":1123.645,"sentiment":"positive","sentiment_score":0.5313786864280701}],"sentiment":"positive","sentiment_score":0.5313786864280701,"channel":1,"num_words":2,"start":1122.825,"end":1123.645},{"sentences":[{"text":"That's okay.","start":1124.055,"end":1124.6951,"sentiment":"positive","sentiment_score":0.34313516318798065},{"text":"We'll speak soon.","start":1124.6951,"end":1125.675,"sentiment":"neutral","sentiment_score":0.21295610070228577}],"sentiment":"neutral","sentiment_score":0.26502772569656374,"channel":0,"num_words":5,"start":1124.055,"end":1125.675},{"sentences":[{"text":"Okay.","start":1125.785,"end":1126.265,"sentiment":"neutral","sentiment_score":0.1383446455001831},{"text":"Bye.","start":1126.265,"end":1126.765,"sentiment":"neutral","sentiment_score":0.12460494041442872}],"sentiment":"neutral","sentiment_score":0.1314747929573059,"channel":1,"num_words":2,"start":1125.785,"end":1126.765},{"sentences":[{"text":"Bye.","start":1127.015,"end":1127.515,"sentiment":"neutral","sentiment_score":0.07662780582904816}],"sentiment":"neutral","sentiment_score":0.07662780582904816,"channel":0,"num_words":1,"start":1127.015,"end":1127.515},{"sentences":[{"text":"I'm coming.","start":1128.025,"end":1128.765,"sentiment":"neutral","sentiment_score":-0.04202363081276417}],"sentiment":"neutral","sentiment_score":-0.04202363081276417,"channel":1,"num_words":2,"start":1128.025,"end":1128.765}]},"summary":{"result":"success","short":"The customer is experiencing trouble reaching someone and is trying a different method. The agent explains that they will send an updated fact find and the customer agrees. They discuss personal information, employment, and income, including retirement goals and personal financial goals. The speaker provides answers to questions about income and expenses, risk tolerance, and personal financial goals, including investment strategies and risk tolerance. They also discuss risk profiles and investment strategies with customers, including a questionnaire and a risk profile update. The speaker provides information on a new email and offers to answer any questions."},"intents":{"segments":[{"text":"So let me know if you lose him and I yeah. Okay? Alright.","start_word":27,"end_word":39,"intents":[{"intent":"Assess financial situation","confidence_score":0.005514472}]},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that correct? No.","start_word":313,"end_word":335,"intents":[{"intent":"Provide name","confidence_score":0.00035494324}]},{"text":"Well, they they were supposed to send me another order letters out so that I could Okay. change it.","start_word":335,"end_word":353,"intents":[{"intent":"Change order letter","confidence_score":0.17810409}]},{"text":"And so then she could do all like, if anything happens to me and that, so she can look after everything for me. Yeah.","start_word":376,"end_word":399,"intents":[{"intent":"Provide assistance","confidence_score":0.0016920245}]},{"text":"Well, they reckon they send it out, but I've never ever got them because now the post office only delivers once one week and twice the following week. Okay.","start_word":420,"end_word":448,"intents":[{"intent":"Resolve delivery issue","confidence_score":0.008834223}]},{"text":"can I just confirm that the address that we would post it to would be Unit 1 Slash 80, Yep. Erwing Road, Woodridge, Queensland Yeah.","start_word":588,"end_word":612,"intents":[{"intent":"Provide address","confidence_score":0.14765269}]},{"text":"let us know, and I'll I'll see if we can send them out again. But, hopefully, this time, they will come for you. Yeah.","start_word":650,"end_word":673,"intents":[{"intent":"Send documents","confidence_score":0.26970118}]},{"text":"And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you.","start_word":688,"end_word":725,"intents":[{"intent":"Email documents","confidence_score":0.34865832}]},{"text":"And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you. It is tricky because you are making a legal nomination. They have to be signed by Penn. Yep.","start_word":688,"end_word":743,"intents":[{"intent":"Address situation","confidence_score":0.000014624497}]},{"text":"Now with your children, are they still relying on youth financially, or are they a little bit older? No.","start_word":826,"end_word":844,"intents":[{"intent":"Clarify need for youth","confidence_score":4.9300812e-8}]},{"text":"I do have here your wife's name as Gail. Yep. Perfect. And the same last name as you? No. No.","start_word":867,"end_word":886,"intents":[{"intent":"Confirm identity","confidence_score":0.010400026}]},{"text":"And the same last name as you? No. No. It's still under her last name, Sheraton. Sheraton.","start_word":878,"end_word":894,"intents":[{"intent":"Confirm last name","confidence_score":0.0031367785}]},{"text":"When it comes to employment, how is that all going for you? You're still working?","start_word":991,"end_word":1005,"intents":[{"intent":"Check employment status","confidence_score":0.028299151}]},{"text":"Do you have any your name on the way, like a post or motorbike or savings in the bank?","start_word":1344,"end_word":1362,"intents":[{"intent":"Update information","confidence_score":0.17498724}]},{"text":"So that's kind of on the to do list to kind of Yep. update that. But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf? Yeah.","start_word":1657,"end_word":1687,"intents":[{"intent":"Update and update financial decisions","confidence_score":0.0102419425}]},{"text":"Do you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything? Probably not before.","start_word":1773,"end_word":1797,"intents":[{"intent":"Determine retirement goals and draw income from super","confidence_score":0.00028766526}]},{"text":"Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile Yep. questionnaire. Now it can be a little bit tricky. It is multiple choice to make it nice and easy. And you just let me know if it doesn't make sense. Okay?","start_word":1876,"end_word":1932,"intents":[{"intent":"Run risk profile survey","confidence_score":0.026191685}]},{"text":"Now when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices? Would you say very high risk, high, a little bit moderate, or small? Probably probably middle.","start_word":1990,"end_word":2038,"intents":[{"intent":"Evaluate superannuation risk","confidence_score":0.12345538}]},{"text":"And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth. Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation. Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes? Oh, no.","start_word":2379,"end_word":2443,"intents":[{"intent":"Explore portfolio changes","confidence_score":0.0006040517}]}]},"sentiments":{"segments":[{"text":"Hello, miss Hi, Nels. Veronica. Oh, look. I've I've had some issues.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":-0.12298601120710372},{"text":"I couldn't get him through directly.","start_word":12,"end_word":17,"sentiment":"negative","sentiment_score":-0.44244346022605896},{"text":"So I'm just gonna try a different way. Okay. So let me know if you lose him and I yeah. Okay? Alright. Okay. Okay.","start_word":18,"end_word":41,"sentiment":"neutral","sentiment_score":-0.15217992663383484},{"text":"Thank Transferring you.","start_word":42,"end_word":44,"sentiment":"positive","sentiment_score":0.37980028986930847},{"text":"you now. Thank you. Okay, Veronica. It's I did. I did. I'm talking about it at the moment, and it's causing all sorts. Let me see if we can do this. Oh, I'm getting something. Hi, Veronica. Ricky, can you hear me? Yeah. I can hear you.","start_word":45,"end_word":91,"sentiment":"neutral","sentiment_score":-0.05706283822655678},{"text":"Fantastic.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.5684247612953186},{"text":"I'm going to leave you in this call with Veronica now. Okay? Okay.","start_word":93,"end_word":105,"sentiment":"neutral","sentiment_score":0.2898263931274414},{"text":"Thank you. Thank you.","start_word":106,"end_word":109,"sentiment":"positive","sentiment_score":0.37556788325309753},{"text":"Thanks, Bye. Michelle. Bye. Okay. You're welcome. Bye. Hello. Is this Ricky? Yep. It certainly is. This this is Veronica from Achieve Financial. How are you? Not too bad.","start_word":110,"end_word":138,"sentiment":"neutral","sentiment_score":0.17120704054832458},{"text":"Thank you. That's good. Thanks for returning my callback.","start_word":139,"end_word":147,"sentiment":"positive","sentiment_score":0.488556444644928},{"text":"Yeah. I've been pretty busy for the last twelve months. That's okay. Do you still have time to go over your annual review quickly with me? Yep. Certainly can. Yes. Okay. Perfect. And now, Rishi, before I do kind of jump into the annual review, I do like to kind of start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on? No. Not really. What? I've started Just just some the concern. usual? Yeah. Just the u. No. That is okay. So what I'm going to do, Ricky, is I'm going to quickly run through a bit of an updated fact find with you first just Yep. to see if there's anything major that kind of changed in your life where we might need to make some changes to your advice. Yep. So just bear with me as I kind of go through this information. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that correct? No. Well, they they were supposed to send me another order letters out so that I could Okay. change it. Oh, I have I do have children in that, but I'm Yep. leaving it I'm leaving it up to my wife. Yep. And so then she could do all like, if anything happens to me and that, so she can look after everything for me. Yeah. Okay.","start_word":148,"end_word":400,"sentiment":"neutral","sentiment_score":0.004054260627907726},{"text":"Perfect. So that would be for your your Netwealth beneficiary forms.","start_word":401,"end_word":411,"sentiment":"positive","sentiment_score":0.3664478063583374},{"text":"Yep. Did did you not never received them? Well, they reckon they send it out, but I've never ever got them because now the post office only delivers once one week and twice the following week. Okay. So Okay. and because a lot of the mail was getting Yep. sent somewhere else. Yeah. Do you have access to a printer at all? No. I don't. Because at the No. moment, we've got an empty building. Yep. Yeah. Okay. Because yeah. So we're just we're just moving from another Okay. depot. Yeah. So what I can do is I can try to get the team to repost them to you by express post, and hopefully, they actually show up for you this time. Yep.","start_word":412,"end_word":534,"sentiment":"neutral","sentiment_score":-0.04583215340971947},{"text":"Now That's the appreciated.","start_word":535,"end_word":538,"sentiment":"positive","sentiment_score":0.4023447632789612},{"text":"yeah. Let us know if you don't receive it, and we can always resend it. Because like you said, sometimes Australia Post can be a little bit not predictable, but we'll do it by express post so we can get that sorted for you. And Okay. Thank can you. can I just confirm that the address that we would post it to would be Unit 1 Slash 80, Yep. Erwing Road, Woodridge, Queensland Yeah. 4114. You yeah. Yeah. Yep. You Yep. Erwing Road.","start_word":539,"end_word":621,"sentiment":"neutral","sentiment_score":0.07915685325860977},{"text":"Great. I will get the team to express post those to you.","start_word":622,"end_word":633,"sentiment":"positive","sentiment_score":0.5055474638938904},{"text":"And like I said, if you haven't received them in maybe two weeks, just Yep. let us know, and I'll I'll see if we can send them out again. But, hopefully, this time, they will come for you. Yeah. That's for Oh, so sorry? yeah. No. I said, well, hopefully, that's for sure. Yes. And if it is a situation where they still don't come out to you and you have access to, like, a library to print them or anything, I can also get the team to email them to you. It is tricky because you are making a legal nomination. They have to be signed by Penn. Yep. Would you like us to email it to you as well so you have it if you are close to a printer at some point? Or you don't think you will be? No. I don't think I will be No.","start_word":634,"end_word":783,"sentiment":"neutral","sentiment_score":0.0629534125328064},{"text":"because I'm still stuck over here for the next couple of weeks.","start_word":784,"end_word":795,"sentiment":"negative","sentiment_score":-0.3990650177001953},{"text":"Okay. Yeah. That's okay. We'll get them express posted. Kids in Queensland shouldn't take too long, but you So never know. But I'll get the team on that right away. Now with your children, are they still relying on youth financially, or are they a little bit older? No. They're all they're all grown up. Yes. The the Okay. young the youngest one is my daughter, which is 33. Okay. Perfect. I do have here your wife's name as Gail. Yep. Perfect. And the same last name as you? No. No. It's still under her last name, Sheraton. Sheraton. How do you spell that for me? Good question. S h Yep. yeah. S h e, p p, I n g p o n, I think it is. Okay.","start_word":796,"end_word":923,"sentiment":"neutral","sentiment_score":0.022278985008597377},{"text":"Perfect.","start_word":924,"end_word":924,"sentiment":"positive","sentiment_score":0.3494685888290405},{"text":"And would you like her as your next option as well? So if for some reason we can't get in touch with you. Yep. Yep. And what's her best contact number? The best contact number will be where are we? Got it under wifey. I have the same for my husband. Yeah. But husband. 8414 One four. Yep. 897 Eight nine seven. Yep. 438. 438.","start_word":925,"end_word":989,"sentiment":"neutral","sentiment_score":-0.0011065323550540668},{"text":"Perfect.","start_word":990,"end_word":990,"sentiment":"positive","sentiment_score":0.5182200074195862},{"text":"When it comes to employment, how is that all going for you? You're still working? Yep. Still working. Yep. Yeah. Yep. And what do you do for work, Ricky? Because I don't think we've spoken before. Well, I draw I'm in charge of the the dispatch section and make sure that all the orders go out. Plus I drive a forklift, then I drive trucks around the yard. Oh, yeah. A bit Yep. of different things. And Yeah. then I'm in the office doing paperwork and then making sure that all the orders are ready for the day. Yep. Yeah. So that at the moment, I've just been traveling from Melbourne to New Zealand to New South Wales, South Oh, Australia. wow. Yeah. So we we set, like, different warehouses and stuff? Or Yeah. Yep. Yep. yeah.","start_word":991,"end_word":1127,"sentiment":"neutral","sentiment_score":0.062040556222200394},{"text":"Oh, perfect.","start_word":1128,"end_word":1129,"sentiment":"positive","sentiment_score":0.3470481336116791},{"text":"And do you like your job? Yeah. Well, I've been here Yeah. ten years. Oh, wow. Yeah. So it was like a little bit anyway. Yeah. You're still working full time as well? Yep. Certainly Yes. am. Perfect. I do have here last time we spoke to you, your income was around 57,500. Is that still the case or has that changed? I think it might be more. Okay. That's good. Do you know roughly how much? I'll let you know in a sec. Yeah. Yeah. It's about yeah. 58,000. Okay. I'll update that to about 58. Perfect. Otherwise, I have here expenses and savings. Savings about a $150 a week and Yep. expenses about 500. Does that sound roughly correct? Yeah. Until Yep. the the rent yeah. Otherwise, Yeah. I keep checking the rent up every year. It's getting a bit crazy everywhere. We're No seeing idea.","start_word":1130,"end_word":1277,"sentiment":"neutral","sentiment_score":-0.008519953116774559},{"text":"that up here as well. And then the cost of living and everything as well isn't helping.","start_word":1278,"end_word":1294,"sentiment":"negative","sentiment_score":-0.449799120426178},{"text":"No. That's for sure. Everything goes up, but the wages don't go up as quick. Not as quick. No. Now assets and liabilities wise, you said you guys are all renting. Do you own a car or anything? No. I Nope. the wife does. Yep. That's that's okay. K. Do you have any your name on the way, like a post or motorbike or savings in the bank? No. Well, I've got I own every every part of my furniture and everything like that. Oh, yeah. How much do you think, my contents would be worth? Oh. Oh, well, let's see. Maybe over 10,000? Oh, perfect. I'll update that. And do you have any, like, personal loans or credit cards or anything like that? I have a credit card. Yeah. And how much do you know how much is owing on that one? About $800. Okay. Yeah. It's only a thousand dollar card. Perfect. Oh, like limit. Yeah. Perfect. Yep. And health and lifestyle wise, I have you down here as a smoker. Is that the case? No. I haven't No? spoke for no. I haven't spoke for over thirty two years. Perfect. I will make sure to change that for you. Yeah. And have you had any changes to your health otherwise in No. the last twelve months? No. Great.","start_word":1295,"end_word":1515,"sentiment":"neutral","sentiment_score":0.0009756374056451024},{"text":"That's perfect.","start_word":1516,"end_word":1517,"sentiment":"positive","sentiment_score":0.3960630595684051},{"text":"Still still pretty fit.","start_word":1518,"end_word":1521,"sentiment":"neutral","sentiment_score":0.28714674711227417},{"text":"That's good.","start_word":1522,"end_word":1523,"sentiment":"positive","sentiment_score":0.40286341309547424},{"text":"And estate planning wise, we'll get those beneficiary forms out to you. But otherwise, do you have a will in place? No. I've gotta get another one done because the previous one and Yep. that that I had, well, my oldest twin boy died and then then because he died of I'm the sorry. coronavirus. I'm sorry to hear that. Yeah. So so then I lost another son and because he had a he got had a brain tumor. So Yeah. yeah. So it's all I had to do one more work in that, and then then Yeah. his boss was pretty good.","start_word":1524,"end_word":1626,"sentiment":"neutral","sentiment_score":-0.08080624788999557},{"text":"Oh, Yep. well, that's good. It always helps when you do have a supporting Yep. workplace Yep. as well when you go through things. So that's Yep. really good.","start_word":1627,"end_word":1655,"sentiment":"positive","sentiment_score":0.5733457207679749},{"text":"Okay. So that's kind of on the to do list to kind of Yep. update that. But, otherwise, Rick, do you have anyone who makes any financial decisions on your behalf? Yeah. Probably my my wife. I'll leave everything for her to do. Yep. Yep. No. Perfect. And that was basically those information. So I guess kind of goals and stuff that you are working on in the next couple of years. Do you have any specific, you know, financial goals or personal goals that you are working towards? No. Not yet. No? That's I'll I'll okay. decide when I get ahold. Yeah. And I guess at the moment, obviously, you're working full time, which is great. Do you have any idea when you think you'll, you know, start drawing an income from your super or retire or anything? Probably not before. I'm 70. Yep. Okay. Perfect. So still a little while away. Yep. And I have here that when you do decide to retire, that ideally, you would like to draw about a thousand dollars per week from super. Is that still kind of the goal for you? Obviously, it probably depends on what bills and expenses and everything is at the time. Yep. But do you think that sounds pretty reasonable? Yeah. That sounds reasonable. Yes. Yeah.","start_word":1656,"end_word":1874,"sentiment":"neutral","sentiment_score":0.05055205151438713},{"text":"Perfect.","start_word":1875,"end_word":1875,"sentiment":"positive","sentiment_score":0.3755720555782318},{"text":"Now the next thing I do wanna run over quickly with you here, Rich, it is just a a bit of an updated risk profile Yep. questionnaire. Now it can be a little bit tricky. It is multiple choice to make it nice and easy. And you just let me know if it doesn't make sense. Okay? Now have you ever bought direct shares yourself, like No. on the stock market? No. Next question is in regards to inflation. So kind of like we spoke a little bit about everything are getting more expensive over time, and it does mean that your money is worth a little bit less and everything is costing more. Now when you think about your superannuation, how much risk are you willing to kind of take in order to make sure that you stay on top of, you know, the increasing prices? Would you say very high risk, high, a little bit moderate, or small? Probably probably middle. Middle? About moderate?","start_word":1876,"end_word":2041,"sentiment":"neutral","sentiment_score":-0.04733607974688871},{"text":"Perfect.","start_word":2042,"end_word":2042,"sentiment":"positive","sentiment_score":0.4382398724555969},{"text":"Yep. The next one is in regards to fluctuation. So if you place an investment and then after six months, everything had decreased by 20%. So it was down 20% due to kind of what is happening in the market as a whole. Would you Yep. think that, okay, if I had the opportunity to do so, now is maybe a good time to invest a little bit more while the prices are a bit cheaper, or Yep. would you just kind of hold, wait to see what happens in the market, see if it comes back up, or would you want to sell and move to something a little bit less risky? But that means then you are selling when the prices have already dropped. Yeah. Got the time. What This would one's a you bit suggest? of a tricky one. Yeah. What would you suggest? I personally because I have a lot of time until retirement Yeah. as well and, obviously, the the understanding of the market. So I would buy when it's low because I know that over time, market always goes up. So that's because I have a pretty high tolerance to rate. Yep. I would say that most people would kind of be in a bit more of their mid range, but they would be, okay. Well, I do understand that things do fluctuate. So I'm kind of somewhere in the middle where, you know, maybe I just kind of hold and wait wait to see what's going to happen before I decide what I would like to do. Yeah.","start_word":2043,"end_word":2307,"sentiment":"neutral","sentiment_score":-0.02933264710009098},{"text":"Well, that's a good Yes. Yes. idea. Perfect.","start_word":2308,"end_word":2315,"sentiment":"positive","sentiment_score":0.44321003556251526},{"text":"Yeah. I've got a sort of rush now because I've got three people here waiting for me. And then and then I got a sailing car that's just pulled up. Okay. That's okay. Do you have another last four minutes? I could try to rush it. Yep. Yep. Okay. Basically, I'll skip these questions because I'm already gauging where you are at. Yep. And at the moment, we have you invested in a growth portfolio, which is kind of somewhere where you are still trying to maximize growth. Typically, we have about six years until retirement, comfortable seeing a bit of fluctuation. Would you say that you were still comfortable with the way things are going, or do you feel like you wanna make any changes? Oh, no. It's okay. No. But then it's it's the same.","start_word":2316,"end_word":2452,"sentiment":"neutral","sentiment_score":0.002673618699403575},{"text":"Great. Yep. Perfect.","start_word":2453,"end_word":2455,"sentiment":"positive","sentiment_score":0.5434602499008179},{"text":"So the last thing there, Rich, is I have to send you an email. Now I won't go through all the documents because I know you're in a rush and you have to go. Yep. So take your time to have a read over them when you have a moment. Yep. If you have any questions, let me know. But, Yep. essentially, there is a document to show you your current super balance in net wealth. There's also one talking about your portfolio performance. Yep. Now I'm not sure if you have seen, but we have also sent you an email recently because we have swapped out one of the investments that was underperforming a little bit to one that's doing a little bit better for Yes. you. And then a bit of an updated services guide. Otherwise, when you do have a read through the document, any questions, let me know.","start_word":2456,"end_word":2607,"sentiment":"neutral","sentiment_score":0.05183716118335724},{"text":"If it all makes sense and you are happy with the way things are going, I'll just need you to sign the digital link when you have a moment.","start_word":2608,"end_word":2636,"sentiment":"positive","sentiment_score":0.3613619804382324},{"text":"I'll Yep. get notified, upload everything, and that is basically it. I know that was pretty rushed, but do you have any questions for me or it's pretty straightforward?","start_word":2637,"end_word":2665,"sentiment":"neutral","sentiment_score":0.20980942249298096},{"text":"Pretty straightforward. Yes. Perfect. Well, I will let you go and get on with your day, Ricky. Thank you for your time.","start_word":2666,"end_word":2687,"sentiment":"positive","sentiment_score":0.7523151636123657},{"text":"Any questions, don't hesitate to give me a call. Okay. Well, thank you Mhmm.","start_word":2688,"end_word":2701,"sentiment":"neutral","sentiment_score":0.23398391902446747},{"text":"very much. That's okay.","start_word":2702,"end_word":2705,"sentiment":"positive","sentiment_score":0.415859192609787},{"text":"We'll speak soon. Okay. Bye. Bye. I'm coming.","start_word":2706,"end_word":2713,"sentiment":"neutral","sentiment_score":0.12791259586811066}],"average":{"sentiment":"neutral","sentiment_score":0.036574044819750816}}}}