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I had you both in to go over your annual reviews. Is now still a good time for you both? Yep. Okay. Okay. Perfect. Now just before I do go any further, I just need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes as well, just so that I can confirm I'm speaking with the right people, could I please get both of you just to confirm your full name, date of birth, and address, please? Yep. Yes. Yep. Perfect. And how you've both been? You've been good? Life. Oh, that's great. Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at? Mhmm. Yes. Yes. Yeah. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. And we can always take it as counts as well. And, obviously, we'd like the budget changes with investment properties and everything like that as well. There's obviously been a lot of changes, and we can, yeah, definitely just focus mainly for now on, obviously, your super insurances, investments, make sure that's all sorted. And then if it's ever a point where either we want to explore further different investments or different strategies or whatever it might be, we can always, you know, have a look at that whenever you guys are ready. Yeah. Perfect. So what I will do first is just to go through just a bit of an updated fact find with both of you just to see if there is anything major that has changed in in your life since we spoke last and if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this. Now, obviously, personal information that hasn't changed. Still married with true financial dependents. Yep. Beautiful. And I do have each other nominated as next of kin. That's obviously still the case as well. Yep. Now occupation wise, has that changed for either of you? Perfect. Now I do wanna triple check income if that has changed. So for Ellie, for you, I have 73,000. Is that still that's still the yep. Perfect. And, James, for you, I have about a 112. That's the same? Okay. Great. Perfect. Now let me see here. Now, James, salary sacrifice, are you still doing that as well? Yep. Perfect. So no changes in regards to that. Asset wise, I have here your property last was valued at about 1.3. Do you guys know if that's roughly the same or has that changed? Yes. Still out of me. 1.3. That's good. Alright. And I had mortgage at about 540,000. Yeah. How what would you reckon? Okay. Perfect. James. Camper trailer 8,000 still? No. No? Okay. 30. 40. Perfect. And 40 5. Okay. Perfect. Forty five. Perfect. $5.01 22. Now with the new Tampa trailer as well, did you guys have anything owing on that one? Okay. Perfect. Now motor vehicles, I have here l e c u. It was worth about 25,000. That's still about 22. Perfect. And still, obviously, nothing owing on that one? Perfect. And, James, do you still have a no later lease agreement for your car? Okay. Perfect. And if you were to buy it, sell it, would it be worth about $70, would you say, the car? Yeah. And if you were to, obviously, cancel and pay out the the remainder of the lease, would it be about 60 owing or a little bit less? Mhmm. Yeah. Sure. That's okay. You can you can take your time. I can check, Ellie, with you. I have savings about 4,400. Mhmm. Yep. Okay. So is that in an off set, or did you, like, a redraw? A redraw. Okay. Perfect. That's all good. Sorry. Total owing is the 522, but then you have 17 that you could redraw if you wanted to. Is that correct? Yep. Okay. Perfect. That is all good. And did you get any update on the car change at all? Or if yeah? Yep. Okay. Rough roughly. And there was a '28, did you say? Twenty eight thousand? Twenty. Okay. Perfect. So in here, 2028. Great. Any other assets that's changed or you guys bought in the last since we spoke last? Any other motor vehicles or motorbikes or boats? Nope. That's all good. Perfect. Now have either of you had any changes to your health in the last twelve months or so? Any injuries or medications or anything? That's great. I like that. It's worth being like, oh, yeah. I was diagnosed with this and this and this and this. No. I like boring when it comes to health. Now do either of you have private health insurance as well? Okay. Perfect. And that'd be hospital as well? Yep. Okay. Perfect. Now estate planning wise, do you guys have a will or power of attorney or anything like that in place? Yes. Perfect. That's good. And do you did you do you know if you made a nomination for power of attorney as part of, like, the will and stuff? Okay. No. Okay. That's all good. But you got a will anyway. Did you in the will do anything in regards to our guardianships or anything as well? Yeah. Yeah. Yeah. You got the real sort of, so that is perfect. Now I can see here as well that, obviously, full beneficiaries. So in the event that something were to happen to either of you, you have each other nominated. That's still correct? Yep. Perfect. And the good thing with nominating a spouse is that it is completely tax free as well if something were to happen, which is great. Now are either of you politically exposed at all, directly involved in politics? No. That's the same for you, Ellie? Yep. Perfect. And do you earn any income overseas at all, like a tax resident in a foreign jurisdiction? No. Okay. Perfect. Otherwise, aside from obviously kind of focusing on what you are doing right now, do you have any other particular goals that you are focusing on in the next couple of years aside from family holidays, reducing mortgage, maybe doing some renovations? Is there anything else that you guys are focusing on? On? Yep. Nice. Yep. Okay. Perfect. Now the next thing I do wanna run over with you both, it is just an updated that kind of risk profile questionnaire. It is a little bit shorter version, though, to make it nice and easy. Again, it is just multiple choice. No right or wrong answer, but it is just to see if any of your risk tolerance has changed and if we need to many make any tweaks and changes to how the money is invested. So it is quite similar to to last time, but just let me know if it doesn't make sense. Okay? Perfect. Now either of you have you ever invested in any personal investments, like managed funds or direct shares or anything? No. Perfect. And when it comes to your superannuation, are you kind of still planning on retiring at 60 when you can? That's still kind of the focus. As soon as possible. Yep. Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? High to moderate? Okay. Perfect. Now next is when it comes to fluctuations. So if, hypothetically speaking, you place an investment, and then after six months, it's decreased in value by 20% due to kind of general trends in the market. Would you, if you had the option to do so, think that now is while the prices are down? Would you just kind of be a bit more neutral, just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you're out in selling when the prices have already dropped. Neutral? Yep. And James? That's okay. You did say new you said you said you said neutral last time. It was like, oh, neutral. Okay. No problem. Now that basically tells me here that you guys have come out pretty much exactly the same as as last time we spoke, which is that kind of growth portfolio. Do you guys remember what it means to be a growth investor at all? No. No. Exactly. So it's, like, kind of somewhere in the middle where you are still focusing on growth. Your your main focus is to maximize growth in your super while you still have plenty of time. You will see some short term fluctuations because you are invested in those growth investments, but it is not your high growth or aggressive. So it's still kind of a good balance. And when it comes to that asset allocation, it's about the eighty twenty split. So 80 combined in those growth investments and 20 in defensive. Are you guys still both kind of comfortable remaining in that risk profile allocation? Yep. Okay. Perfect. Now next up, do you guys have access to your emails at the moment? Yes. Okay. Perfect. So what I have done is I have sent you, Boris, an email. It is identical. So whether you wanna look together or separate, it's it's up to you. James.halverson@hotmail.com. Yep. Yep. Perfect. Just have a look sometime while we're on the phone as well just to make sure it did come through to you. We have also changed the software, so it may end up in spam folder. So let us yes. Yep. So it's kind of the same. So if it will ask you to click on the link to sign, it doesn't mean it'll ask you to sign right away. It will just basically allow you to click on the link, and then you'll see all the individual attachments first just to make sure you guys are happy with everything before it prompts you to sign anything. Perfect. Now let me know if you can see the first document, which should be a summary of superannuation and insurance with James. Yep. Perfect. So they are kind of in order for for both of you. So next document will be same as you can see here, but for you, Ellie. So, obviously, for you, James no. Perfect. You you both have your superannuation with hub twenty four. Now, James, you can see here that your super balance is at 410,748. You also have your insurances with MetLife. You can see the cover amounts listed on that page as well. You have your life and total permanent disability, and that is 1,207,500. Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or still happy with what you've got? Yep. Now you also have your income protection, which will pay you that monthly amount of 6,742 if something were to happen on a monthly basis. You have that sixty day waiting period, two year benefit period. Now all those three are paid from within twenty four, but you don't pay for anything out of pocket. You do get that tax rebate. So after that, for all three, it's 1,329. Do you have any questions in regards to any of your insurances or anything so far? Nope. Perfect. Did you have anything in regards to the sofa? Yes. It's actually two documents away. I'll have that for both of you, showing you what the individual investment's done for all of them as well in a bit more detail. Now next document, it's kind of the same situation for you, Ellie. So you will have you'll have 24, your super balance, same for you. MetLife insurances, you have 1,050,000 worth of life and TPD. Also, that income protection monthly amount is at 4,392. Again, all paid from within hub 24. Tax rebate, $9.05 2. Do you have any questions with your insurances as well? You're good. Alright. Perfect. Now the next two, so there's one for each of you. First one is for you, James. Now it should say performance with IRR. Can you see that? Yes. Okay. Now this one here might look a bit messy because it basically breaks down all your individual investments, how they have performed, and this is the last twelve months. So it shows you the twelve month period of what has So between the 08/11/2025 to the 08/10/2026. Now, obviously, when we are looking back at the last twelve months, there has been quite a bit of market fluctuations. So, obviously, I'm sure you guys have had or seen, obviously, everything in The US with Trump and tariffs and everything. Saw a bit of those fluctuations and, obviously, more recently with the war as well. So we have seen quite a bit of turbulent in the market, which is to be expected for what has happened. Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition. So if we start for you, James, which is here, if we're looking at a total portfolio, now this is all after fees. So after all fees have been deducted from your portfolio, in the last twelve months alone, your portfolio has still gone up by 7.68% after fees, which equates through about 34,018 just for your investment. So that is not from, like, employer contributions. That is Perfect. Now talking about investments, and that is the same for both of you, when we are looking at, obviously, investments because, obviously, a lot of things have changed in the last twelve months. So the good thing with hub twenty four is that there is hundreds of different options for us to choose from. And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes. We obviously don't day trade your superannuation. It is your long term investment. But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense? Yeah. Perfect. So for both of you, there is one investment that I would like to do. Just a little bit more research and see if we want to swap out, which is the top one, which is called your Benelong Australian equity fund. Can you see that one? Yeah. Perfect. So for both of you, that one is, like, your managed fund. So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently. They have done really well in doing so, but more recently, they've been a little bit slower in making their choices. And one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group. Have either of you heard of that? No. Essentially, what happened is that that company had a bit of issues with their reporting, which actually caused them to be suspended from trading. So because of that, obviously, things fell a little bit. The good thing is that you guys are not invested directly in corporate travel group. You just invested in Fenele, and we can switch switch you out of that, which is very easy. So if you guys are happy for me to do so after the call today, I would like to go and do just a little bit more in-depth research and see if we have a better come option that we can swap that one out for you. I will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do so. Yep. Great. Perfect. Now before I move on to Ellie's performance, do you have any questions for me, James? Yeah. Yes. Yes. Yeah. And we're quite happy with that as well, especially what what has happened in the market. And, again, this is all net off fees as well to show you. So quite happy with that. And, yeah, the good thing is that because we are taking that kind of active approach and you guys have us on board, it's just just part of the service for us to continuously research things as things are changing. Things will always change. But we do wanna make sure we always stay on top of that for you. Now next document, same one for you, Ellie. Can you see that okay? Yep. Perfect. So kind of, obviously, the same portfolio. Obviously, because you have different, like, investments sorry. Because you have different insurances and stuff, obviously, the fees that comes out is slightly different. But for you over the same period of time, so, again, August 2025 to the 08/10/2026, the same period of time, your portfolio has gone up by 7.52%. So, again, pretty close. And from a dollar value, that is 17,303. Again, just from your investments, not factoring in any contribution. Yep. Perfect. Now if you can click on the next document for me, you should see that Vanguard index chart again. Yep. Do you guys remember going through this last time? No. No. That's it was a little while ago. It's all good. Basically, Vanguard, they do they do publish on every single year. So you will the next one will be reduced released on the August 18. So kind of at the end of each financial year, they update it, which is good. Basically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market. This kind of shows you everything historically as well. So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then it takes it to 2025. So you can see that, obviously, that our long term market always goes up. The short term, that will be some of those ups and downs and market fluctuation. And that is also why the time frame until retirement does become important because the closer you get to retirement, the less time you have for these fluctuations to come back around. But for the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs. Now on the right side, you can also see the different asset classes broken down. So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four. So you have your US shares, which is, like, your light green line there. You have your Australian shares, which is, like, your your darker green. You have international shares, which is, like, your yellow, and then you have property as well, which is, like, that maroon So all of these four, you can see grow the most, but also fluctuate the most. And then you do have 20% in your defensive, which is like your bottom three, which you can see a little bit more obviously, quite a lot more stable, but they don't grow as much either. Does that all make sense? Yep. Beautiful. Now the next two documents should just be your MetLife insurance certificate of currency, so one for each of you. It just breaks down your insurances in a bit more detail, but, basically, just lets you know that's all paid and up to date. Yep. Perfect. Now after that, it should take you to the Oakview services guide. Let me know if you can see that. Yeah. Perfect. So, again, you guys would have seen this when you first came in through the office, and we did the initial consultation, obviously, going through everything with you. None of the important information has changed. It's all kind of the same, but we've had a bit of an update to marketing, which is nice, and a bit of an extension to the team. No other major changes otherwise. If you do wanna put a face to the voice again, if you don't remember, if you wanna scroll down through page 10, you can see myself there again if you do wanna put put a face to the voice. Yep. Beautiful. Any questions so far? It's all pretty straightforward. No. Great. Yep. Now the next document after that one, what's that one that you can see? Yep. So there will be one after each other. So this is one for each of you. So James, yours will be first, and then Ellie, yours will be second. There is no changes whatsoever in regards to the fee structure because you guys are on that couple reduced fee. So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that. And like I mentioned last time, it is also not a lock in contract. So if at any point in time you guys are not happy, it is not a lock in contract. But otherwise, by signing this document, it just allows us to manage all your investments, insurances, and super and everything for you in the meantime. Yep. So if you guys are happy to do so, it will ask for a little signature for for both of you for that one. And then there should be a last document, which should say option to provide tax on number. Yes. So you should say start sign now. There should be, like, a little box for you to click on. So if you if you click on the box, it doesn't like, if you click on it, it doesn't bring up, like, a little a box for you to scribble on. It should still work on your phone. Yes. Okay. Perfect. Yes. Because if you obviously, on your email, Ellie, it will just ask you to sign your spot. That's why you have three emails. So then to James, it will be the same for you to go into yours, and he will just ask you to sign your 02/02 documents. Yep. Yes. Which is crazy already. I'm so ready. August. Yeah. Perfect. Now the next document should say option to provide tax phone number. Yeah. Perfect. Now this document here is just a compliance form, but, basically, it just tells you that we are keeping your tax phone number secure and safe on file. And, again, it will just ask for a signature on that one if you're happy to do so. Perfect. That's okay. Take your time. Sometimes with technology. Yeah. Sure. And did you get the email okay, James? Perfect. No. That's okay. Does it does it say valid yeah. So it should just be the true. And once you've added true, it should say at the bottom, I believe, validate. Yeah. Yes. Perfect. So that means you've sent through, which is great. You won't come through to me until you're both signed, but then as soon as that's yeah. That's okay. Sometimes That's very exciting. While I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments. Mhmm. So it will take me probably about a week to put it together. When is a best time for you guys to do that to go through that together? Yep. Let me have a look. I can't do next Tuesday. I could do next Wednesday, the nineteenth, or the following Tuesday, which is the twenty fifth. Yep. Yep. That works for you as well, James? Yep. Okay. Perfect. So I will book that in at 4PM for both of you to run through the research on your investments. If anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen. Now while I do have you guys on the phone as well, I do wanna just let you know that I will be heading on maternity leave quite soon. So thank you very much. So you will have me until the September 10, and then I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that. If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway. And I'll do kind of just a bit of a hands over on everything for for both of you. I will be gone for about twelve months or so, but you'll be in very good, capable hands. And I just wanted to let you both know as well if you do call up, but I'm not here so that you know who's still looking after you in the meantime. Time. Exactly. I am. I'm having a little girl. Oh, yeah. So it's the it's our first one and the first grandchild on both sides. So I'm sure you guys can imagine. It's a lot. A lot of excitement. Yeah. So soon I'll know the whole gremlin situation situation as well. But, yeah, very exciting. So, yeah, wanted to let you both know, but, obviously, we've run through the research and everything in two weeks' time. But if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time. But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit closer as well. Yeah. No problem at all. Well, I will let you guys go, and enjoy the rest of your afternoon. And I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM. No worries at all. We're fixing. Okay. 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OQ Financial. Good afternoon, James. This is Veronica from Financial. How are you? Hi.\n\nI'm good. Thanks. I had Yep. Yep. Perfect.\n\nYou guys can yeah. Can you hear me okay? Yep. Perfect. I had you both in to go over your annual reviews.\n\nIs now still a good time for you both? Yep. Okay. Okay. Perfect.\n\nNow just before I do go any further, I just need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes as well, just so that I can confirm I'm speaking with the right people, could I please get both of you just to confirm your full name, date of birth, and address, please? Yep.\n\nYes. Yep. Perfect. And how you've both been? You've been good?\n\nLife. Oh, that's great. Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at? Mhmm. Yes.\n\nYes. Yeah. Yes. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. And we can always take it as counts as well. And, obviously, we'd like the budget changes with investment properties and everything like that as well. There's obviously been a lot of changes, and we can, yeah, definitely just focus mainly for now on, obviously, your super insurances, investments, make sure that's all sorted. And then if it's ever a point where either we want to explore further different investments or different strategies or whatever it might be, we can always, you know, have a look at that whenever you guys are ready.\n\nYeah. Perfect. So what I will do first is just to go through just a bit of an updated fact find with both of you just to see if there is anything major that has changed in in your life since we spoke last and if we need to make any tweaks and changes to your advice. So kind of bear with me as I go through this. Now, obviously, personal information that hasn't changed.\n\nStill married with true financial dependents. Yep. Beautiful. And I do have each other nominated as next of kin. That's obviously still the case as well.\n\nYep. Now occupation wise, has that changed for either of you? Perfect. Now I do wanna triple check income if that has changed. So for Ellie, for you, I have 73,000.\n\nIs that still that's still the yep. Perfect. And, James, for you, I have about a 112. That's the same? Okay.\n\nGreat. Perfect. Now let me see here. Now, James, salary sacrifice, are you still doing that as well? Yep.\n\nPerfect. So no changes in regards to that. Asset wise, I have here your property last was valued at about 1.3. Do you guys know if that's roughly the same or has that changed? Yes.\n\nStill out of me. 1.3. That's good. Alright. And I had mortgage at about 540,000.\n\nYeah. How what would you reckon? Okay. Perfect. James.\n\nCamper trailer 8,000 still? No. No? Okay. 30.\n\n40. Perfect. And 40 5. Okay. Perfect.\n\nForty five. Perfect. $5.01 22. Now with the new Tampa trailer as well, did you guys have anything owing on that one? Okay.\n\nPerfect. Now motor vehicles, I have here l e c u. It was worth about 25,000. That's still about 22. Perfect.\n\nAnd still, obviously, nothing owing on that one? Perfect. And, James, do you still have a no later lease agreement for your car? Okay. Perfect.\n\nAnd if you were to buy it, sell it, would it be worth about $70, would you say, the car? Yeah. And if you were to, obviously, cancel and pay out the the remainder of the lease, would it be about 60 owing or a little bit less? Mhmm. Yeah.\n\nSure. That's okay. You can you can take your time. I can check, Ellie, with you. I have savings about 4,400.\n\nMhmm. Yep. Okay. So is that in an off set, or did you, like, a redraw? A redraw.\n\nOkay. Perfect. That's all good. Sorry. Total owing is the 522, but then you have 17 that you could redraw if you wanted to.\n\nIs that correct? Yep. Okay. Perfect. That is all good.\n\nAnd did you get any update on the car change at all? Or if yeah? Yep. Okay. Rough roughly.\n\nAnd there was a '28, did you say? Twenty eight thousand? Twenty. Okay. Perfect.\n\nSo in here, 2028. Great. Any other assets that's changed or you guys bought in the last since we spoke last? Any other motor vehicles or motorbikes or boats? Nope.\n\nThat's all good. Perfect. Now have either of you had any changes to your health in the last twelve months or so? Any injuries or medications or anything? That's great.\n\nI like that. It's worth being like, oh, yeah. I was diagnosed with this and this and this and this. No. I like boring when it comes to health.\n\nNow do either of you have private health insurance as well? Okay. Perfect. And that'd be hospital as well? Yep.\n\nOkay. Perfect. Now estate planning wise, do you guys have a will or power of attorney or anything like that in place? Yes. Perfect.\n\nThat's good. And do you did you do you know if you made a nomination for power of attorney as part of, like, the will and stuff? Okay. No. Okay.\n\nThat's all good. But you got a will anyway. Did you in the will do anything in regards to our guardianships or anything as well? Yeah. Yeah.\n\nYeah. You got the real sort of, so that is perfect. Now I can see here as well that, obviously, full beneficiaries. So in the event that something were to happen to either of you, you have each other nominated. That's still correct?\n\nYep. Perfect. And the good thing with nominating a spouse is that it is completely tax free as well if something were to happen, which is great. Now are either of you politically exposed at all, directly involved in politics? No.\n\nThat's the same for you, Ellie? Yep. Perfect. And do you earn any income overseas at all, like a tax resident in a foreign jurisdiction? No.\n\nOkay. Perfect. Otherwise, aside from obviously kind of focusing on what you are doing right now, do you have any other particular goals that you are focusing on in the next couple of years aside from family holidays, reducing mortgage, maybe doing some renovations? Is there anything else that you guys are focusing on? On?\n\nYep. Nice. Yep. Okay. Perfect.\n\nNow the next thing I do wanna run over with you both, it is just an updated that kind of risk profile questionnaire. It is a little bit shorter version, though, to make it nice and easy. Again, it is just multiple choice. No right or wrong answer, but it is just to see if any of your risk tolerance has changed and if we need to many make any tweaks and changes to how the money is invested. So it is quite similar to to last time, but just let me know if it doesn't make sense.\n\nOkay? Perfect. Now either of you have you ever invested in any personal investments, like managed funds or direct shares or anything? No. Perfect.\n\nAnd when it comes to your superannuation, are you kind of still planning on retiring at 60 when you can? That's still kind of the focus. As soon as possible. Yep. Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?\n\nHigh to moderate? Okay. Perfect. Now next is when it comes to fluctuations. So if, hypothetically speaking, you place an investment, and then after six months, it's decreased in value by 20% due to kind of general trends in the market.\n\nWould you, if you had the option to do so, think that now is while the prices are down? Would you just kind of be a bit more neutral, just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you're out in selling when the prices have already dropped. Neutral? Yep. And James?\n\nThat's okay. You did say new you said you said you said neutral last time. It was like, oh, neutral. Okay. No problem.\n\nNow that basically tells me here that you guys have come out pretty much exactly the same as as last time we spoke, which is that kind of growth portfolio. Do you guys remember what it means to be a growth investor at all? No. No. Exactly.\n\nSo it's, like, kind of somewhere in the middle where you are still focusing on growth. Your your main focus is to maximize growth in your super while you still have plenty of time. You will see some short term fluctuations because you are invested in those growth investments, but it is not your high growth or aggressive. So it's still kind of a good balance. And when it comes to that asset allocation, it's about the eighty twenty split.\n\nSo 80 combined in those growth investments and 20 in defensive. Are you guys still both kind of comfortable remaining in that risk profile allocation? Yep. Okay. Perfect.\n\nNow next up, do you guys have access to your emails at the moment? Yes. Okay. Perfect. So what I have done is I have sent you, Boris, an email.\n\nIt is identical. So whether you wanna look together or separate, it's it's up to you. James.halverson@hotmail.com. Yep. Yep.\n\nPerfect. Just have a look sometime while we're on the phone as well just to make sure it did come through to you. We have also changed the software, so it may end up in spam folder. So let us yes. Yep.\n\nSo it's kind of the same. So if it will ask you to click on the link to sign, it doesn't mean it'll ask you to sign right away. It will just basically allow you to click on the link, and then you'll see all the individual attachments first just to make sure you guys are happy with everything before it prompts you to sign anything. Perfect. Now let me know if you can see the first document, which should be a summary of superannuation and insurance with James.\n\nYep. Perfect. So they are kind of in order for for both of you. So next document will be same as you can see here, but for you, Ellie. So, obviously, for you, James no.\n\nPerfect. You you both have your superannuation with hub twenty four. Now, James, you can see here that your super balance is at 410,748. You also have your insurances with MetLife. You can see the cover amounts listed on that page as well.\n\nYou have your life and total permanent disability, and that is 1,207,500. Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or still happy with what you've got? Yep. Now you also have your income protection, which will pay you that monthly amount of 6,742 if something were to happen on a monthly basis. You have that sixty day waiting period, two year benefit period.\n\nNow all those three are paid from within twenty four, but you don't pay for anything out of pocket. You do get that tax rebate. So after that, for all three, it's 1,329. Do you have any questions in regards to any of your insurances or anything so far? Nope.\n\nPerfect. Did you have anything in regards to the sofa? Yes. It's actually two documents away. I'll have that for both of you, showing you what the individual investment's done for all of them as well in a bit more detail.\n\nNow next document, it's kind of the same situation for you, Ellie. So you will have you'll have 24, your super balance, same for you. MetLife insurances, you have 1,050,000 worth of life and TPD. Also, that income protection monthly amount is at 4,392. Again, all paid from within hub 24.\n\nTax rebate, $9.05 2. Do you have any questions with your insurances as well? You're good. Alright. Perfect.\n\nNow the next two, so there's one for each of you. First one is for you, James. Now it should say performance with IRR. Can you see that? Yes.\n\nOkay. Now this one here might look a bit messy because it basically breaks down all your individual investments, how they have performed, and this is the last twelve months. So it shows you the twelve month period of what has So between the 08/11/2025 to the 08/10/2026. Now, obviously, when we are looking back at the last twelve months, there has been quite a bit of market fluctuations. So, obviously, I'm sure you guys have had or seen, obviously, everything in The US with Trump and tariffs and everything.\n\nSaw a bit of those fluctuations and, obviously, more recently with the war as well. So we have seen quite a bit of turbulent in the market, which is to be expected for what has happened. Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition. So if we start for you, James, which is here, if we're looking at a total portfolio, now this is all after fees. So after all fees have been deducted from your portfolio, in the last twelve months alone, your portfolio has still gone up by 7.68% after fees, which equates through about 34,018 just for your investment.\n\nSo that is not from, like, employer contributions. That is Perfect. Now talking about investments, and that is the same for both of you, when we are looking at, obviously, investments because, obviously, a lot of things have changed in the last twelve months. So the good thing with hub twenty four is that there is hundreds of different options for us to choose from. And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes.\n\nWe obviously don't day trade your superannuation. It is your long term investment. But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense? Yeah.\n\nPerfect. So for both of you, there is one investment that I would like to do. Just a little bit more research and see if we want to swap out, which is the top one, which is called your Benelong Australian equity fund. Can you see that one? Yeah.\n\nPerfect. So for both of you, that one is, like, your managed fund. So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently. They have done really well in doing so, but more recently, they've been a little bit slower in making their choices. And one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group.\n\nHave either of you heard of that? No. Essentially, what happened is that that company had a bit of issues with their reporting, which actually caused them to be suspended from trading. So because of that, obviously, things fell a little bit. The good thing is that you guys are not invested directly in corporate travel group.\n\nYou just invested in Fenele, and we can switch switch you out of that, which is very easy. So if you guys are happy for me to do so after the call today, I would like to go and do just a little bit more in-depth research and see if we have a better come option that we can swap that one out for you. I will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do so. Yep. Great.\n\nPerfect. Now before I move on to Ellie's performance, do you have any questions for me, James? Yeah. Yes. Yes.\n\nYeah. And we're quite happy with that as well, especially what what has happened in the market. And, again, this is all net off fees as well to show you. So quite happy with that. And, yeah, the good thing is that because we are taking that kind of active approach and you guys have us on board, it's just just part of the service for us to continuously research things as things are changing.\n\nThings will always change. But we do wanna make sure we always stay on top of that for you. Now next document, same one for you, Ellie. Can you see that okay? Yep.\n\nPerfect. So kind of, obviously, the same portfolio. Obviously, because you have different, like, investments sorry. Because you have different insurances and stuff, obviously, the fees that comes out is slightly different. But for you over the same period of time, so, again, August 2025 to the 08/10/2026, the same period of time, your portfolio has gone up by 7.52%.\n\nSo, again, pretty close. And from a dollar value, that is 17,303. Again, just from your investments, not factoring in any contribution. Yep. Perfect.\n\nNow if you can click on the next document for me, you should see that Vanguard index chart again. Yep. Do you guys remember going through this last time? No. No.\n\nThat's it was a little while ago. It's all good. Basically, Vanguard, they do they do publish on every single year. So you will the next one will be reduced released on the August 18. So kind of at the end of each financial year, they update it, which is good.\n\nBasically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market. This kind of shows you everything historically as well. So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then it takes it to 2025. So you can see that, obviously, that our long term market always goes up. The short term, that will be some of those ups and downs and market fluctuation.\n\nAnd that is also why the time frame until retirement does become important because the closer you get to retirement, the less time you have for these fluctuations to come back around. But for the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs. Now on the right side, you can also see the different asset classes broken down. So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four. So you have your US shares, which is, like, your light green line there.\n\nYou have your Australian shares, which is, like, your your darker green. You have international shares, which is, like, your yellow, and then you have property as well, which is, like, that maroon So all of these four, you can see grow the most, but also fluctuate the most. And then you do have 20% in your defensive, which is like your bottom three, which you can see a little bit more obviously, quite a lot more stable, but they don't grow as much either. Does that all make sense? Yep.\n\nBeautiful. Now the next two documents should just be your MetLife insurance certificate of currency, so one for each of you. It just breaks down your insurances in a bit more detail, but, basically, just lets you know that's all paid and up to date. Yep. Perfect.\n\nNow after that, it should take you to the Oakview services guide. Let me know if you can see that. Yeah. Perfect. So, again, you guys would have seen this when you first came in through the office, and we did the initial consultation, obviously, going through everything with you.\n\nNone of the important information has changed. It's all kind of the same, but we've had a bit of an update to marketing, which is nice, and a bit of an extension to the team. No other major changes otherwise. If you do wanna put a face to the voice again, if you don't remember, if you wanna scroll down through page 10, you can see myself there again if you do wanna put put a face to the voice. Yep.\n\nBeautiful. Any questions so far? It's all pretty straightforward. No. Great.\n\nYep. Now the next document after that one, what's that one that you can see? Yep. So there will be one after each other. So this is one for each of you.\n\nSo James, yours will be first, and then Ellie, yours will be second. There is no changes whatsoever in regards to the fee structure because you guys are on that couple reduced fee. So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that. And like I mentioned last time, it is also not a lock in contract. So if at any point in time you guys are not happy, it is not a lock in contract.\n\nBut otherwise, by signing this document, it just allows us to manage all your investments, insurances, and super and everything for you in the meantime. Yep. So if you guys are happy to do so, it will ask for a little signature for for both of you for that one. And then there should be a last document, which should say option to provide tax on number. Yes.\n\nSo you should say start sign now. There should be, like, a little box for you to click on. So if you if you click on the box, it doesn't like, if you click on it, it doesn't bring up, like, a little a box for you to scribble on. It should still work on your phone. Yes.\n\nOkay. Perfect. Yes. Because if you obviously, on your email, Ellie, it will just ask you to sign your spot. That's why you have three emails.\n\nSo then to James, it will be the same for you to go into yours, and he will just ask you to sign your 02/02 documents. Yep. Yes. Which is crazy already. I'm so ready.\n\nAugust. Yeah. Perfect. Now the next document should say option to provide tax phone number. Yeah.\n\nPerfect. Now this document here is just a compliance form, but, basically, it just tells you that we are keeping your tax phone number secure and safe on file. And, again, it will just ask for a signature on that one if you're happy to do so. Perfect. That's okay.\n\nTake your time. Sometimes with technology. Yeah. Sure. And did you get the email okay, James?\n\nPerfect. No. That's okay. Does it does it say valid yeah. So it should just be the true.\n\nAnd once you've added true, it should say at the bottom, I believe, validate. Yeah. Yes. Perfect. So that means you've sent through, which is great.\n\nYou won't come through to me until you're both signed, but then as soon as that's yeah. That's okay. Sometimes That's very exciting. While I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments. Mhmm.\n\nSo it will take me probably about a week to put it together. When is a best time for you guys to do that to go through that together? Yep. Let me have a look. I can't do next Tuesday.\n\nI could do next Wednesday, the nineteenth, or the following Tuesday, which is the twenty fifth. Yep. Yep. That works for you as well, James? Yep.\n\nOkay. Perfect. So I will book that in at 4PM for both of you to run through the research on your investments. If anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen. Now while I do have you guys on the phone as well, I do wanna just let you know that I will be heading on maternity leave quite soon.\n\nSo thank you very much. So you will have me until the September 10, and then I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that. If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway. And I'll do kind of just a bit of a hands over on everything for for both of you.\n\nI will be gone for about twelve months or so, but you'll be in very good, capable hands. And I just wanted to let you both know as well if you do call up, but I'm not here so that you know who's still looking after you in the meantime. Time. Exactly. I am.\n\nI'm having a little girl. Oh, yeah. So it's the it's our first one and the first grandchild on both sides. So I'm sure you guys can imagine. It's a lot.\n\nA lot of excitement. Yeah. So soon I'll know the whole gremlin situation situation as well. But, yeah, very exciting. So, yeah, wanted to let you both know, but, obviously, we've run through the research and everything in two weeks' time.\n\nBut if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time. But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit closer as well. Yeah. No problem at all. Well, I will let you guys go, and enjoy the rest of your afternoon.\n\nAnd I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM. No worries at all. We're fixing. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Veronica OQ Financial.","start":6.64,"end":8.190001,"sentiment":"neutral","sentiment_score":0.031201962381601334},{"text":"Good afternoon, James.","start":24.415,"end":25.615,"sentiment":"neutral","sentiment_score":0.1637269506851832},{"text":"This is Veronica from Financial.","start":25.615,"end":27.539999,"sentiment":"neutral","sentiment_score":0.032201464474201205},{"text":"How are you?","start":27.539999,"end":28.44,"sentiment":"neutral","sentiment_score":0.07655294487873714},{"text":"Hi.","start":30.26,"end":30.58,"sentiment":"positive","sentiment_score":0.3386475443840027}],"sentiment":"neutral","sentiment_score":0.08760669603943824,"num_words":15,"start":6.64,"end":30.58},{"sentences":[{"text":"I'm good.","start":30.58,"end":31.32,"sentiment":"positive","sentiment_score":0.4478125423192978},{"text":"Thanks.","start":31.38,"end":31.88,"sentiment":"positive","sentiment_score":0.6070244908332825},{"text":"I had Yep.","start":32.739998,"end":36.04,"sentiment":"neutral","sentiment_score":0.15318134923775992},{"text":"Yep.","start":37.46,"end":37.96,"sentiment":"neutral","sentiment_score":0.0636015236377716},{"text":"Perfect.","start":41.54,"end":42.04,"sentiment":"neutral","sentiment_score":0.24501031637191772}],"sentiment":"neutral","sentiment_score":0.2838506828993559,"num_words":8,"start":30.58,"end":42.04},{"sentences":[{"text":"You guys can yeah.","start":42.225,"end":43.585,"sentiment":"neutral","sentiment_score":0.03396341064944863},{"text":"Can you hear me okay?","start":43.585,"end":44.885,"sentiment":"neutral","sentiment_score":0.024082472920417784},{"text":"Yep.","start":46.305,"end":46.805,"sentiment":"neutral","sentiment_score":0.2353801727294922},{"text":"Perfect.","start":47.184998,"end":47.684998,"sentiment":"positive","sentiment_score":0.5618718266487122},{"text":"I had you both in to go over your annual reviews.","start":48.144997,"end":51.045,"sentiment":"neutral","sentiment_score":0.3312988416715102}],"sentiment":"neutral","sentiment_score":0.21353660295294088,"num_words":22,"start":42.225,"end":51.045},{"sentences":[{"text":"Is now still a good time for you both?","start":51.105,"end":53.045,"sentiment":"neutral","sentiment_score":0.2989963044722875},{"text":"Yep.","start":54.385,"end":54.885,"sentiment":"neutral","sentiment_score":0.07933612912893295},{"text":"Okay.","start":54.945,"end":55.32,"sentiment":"neutral","sentiment_score":0.1121446043252945},{"text":"Okay.","start":55.8,"end":55.96,"sentiment":"neutral","sentiment_score":0.1739838570356369},{"text":"Perfect.","start":55.96,"end":56.46,"sentiment":"neutral","sentiment_score":0.31599509716033936}],"sentiment":"neutral","sentiment_score":0.2594174175308301,"num_words":13,"start":51.105,"end":56.46},{"sentences":[{"text":"Now just before I do go any further, I just need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":57.239998,"end":65.42,"sentiment":"neutral","sentiment_score":0.04474073716749748},{"text":"Yep.","start":67.16,"end":67.64,"sentiment":"neutral","sentiment_score":0.1440398246049881},{"text":"Perfect.","start":67.64,"end":68.14,"sentiment":"neutral","sentiment_score":0.28970348834991455},{"text":"And just for security purposes as well, just so that I can confirm I'm speaking with the right people, could I please get both of you just to confirm your full name, date of birth, and address, please?","start":68.785,"end":79.925,"sentiment":"neutral","sentiment_score":0.09679965968979032},{"text":"Yep.","start":87.66,"end":88.16,"sentiment":"neutral","sentiment_score":0.009077251888811588}],"sentiment":"neutral","sentiment_score":0.0769497147616996,"num_words":71,"start":57.239998,"end":88.16},{"sentences":[{"text":"Yes.","start":93.1,"end":93.315,"sentiment":"neutral","sentiment_score":0.019358094781637192},{"text":"Yep.","start":97.955,"end":98.455,"sentiment":"neutral","sentiment_score":0.08175656199455261},{"text":"Perfect.","start":98.515,"end":99.015,"sentiment":"neutral","sentiment_score":0.2690980136394501},{"text":"And how you've both been?","start":99.155,"end":100.695,"sentiment":"neutral","sentiment_score":0.1247248113155365},{"text":"You've been good?","start":100.755005,"end":101.655,"sentiment":"neutral","sentiment_score":0.17477628091971079}],"sentiment":"neutral","sentiment_score":0.13801505179567772,"num_words":11,"start":93.1,"end":101.655},{"sentences":[{"text":"Life.","start":105.57,"end":106.07,"sentiment":"neutral","sentiment_score":0.12702438235282898},{"text":"Oh, that's great.","start":108.130005,"end":109.51,"sentiment":"positive","sentiment_score":0.5316815078258514},{"text":"Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at?","start":110.53,"end":128.16501,"sentiment":"neutral","sentiment_score":0.048200814547299436},{"text":"Mhmm.","start":129.985,"end":130.485,"sentiment":"neutral","sentiment_score":-0.02931039407849312},{"text":"Yes.","start":139.17,"end":139.67,"sentiment":"neutral","sentiment_score":-0.008364363573491573}],"sentiment":"neutral","sentiment_score":0.06757844317083557,"num_words":72,"start":105.57,"end":139.67},{"sentences":[{"text":"Yes.","start":141.81,"end":142.31,"sentiment":"neutral","sentiment_score":-0.031156450510025024},{"text":"Yeah.","start":145.89,"end":146.385,"sentiment":"neutral","sentiment_score":-0.14170798659324646},{"text":"Yes.","start":148.94499,"end":149.44499,"sentiment":"neutral","sentiment_score":-0.08964709937572479},{"text":"Yep.","start":154.385,"end":154.86499,"sentiment":"neutral","sentiment_score":0.02695826254785061},{"text":"Yep.","start":154.86499,"end":155.36499,"sentiment":"neutral","sentiment_score":0.02494906447827816}],"sentiment":"neutral","sentiment_score":-0.0421208418905735,"num_words":5,"start":141.81,"end":155.36499},{"sentences":[{"text":"Yep.","start":155.42499,"end":155.92499,"sentiment":"neutral","sentiment_score":0.06140894815325737},{"text":"Yep.","start":163.20001,"end":163.70001,"sentiment":"neutral","sentiment_score":-0.233378142118454},{"text":"Yep.","start":167.12001,"end":167.20001,"sentiment":"neutral","sentiment_score":0.00829954445362091},{"text":"Yep.","start":167.20001,"end":167.70001,"sentiment":"neutral","sentiment_score":0.009620382450520992},{"text":"Yep.","start":169.28,"end":169.6,"sentiment":"neutral","sentiment_score":0.10238653421401978}],"sentiment":"neutral","sentiment_score":-0.010332546569406992,"num_words":5,"start":155.42499,"end":169.6},{"sentences":[{"text":"Yep.","start":169.6,"end":170.08,"sentiment":"neutral","sentiment_score":0.1477014720439911},{"text":"And we can always take it as counts as well.","start":170.08,"end":171.84001,"sentiment":"neutral","sentiment_score":0.23065451085567473},{"text":"And, obviously, we'd like the budget changes with investment properties and everything like that as well.","start":171.84001,"end":178.225,"sentiment":"neutral","sentiment_score":0.10867471853271127},{"text":"There's obviously been a lot of changes, and we can, yeah, definitely just focus mainly for now on, obviously, your super insurances, investments, make sure that's all sorted.","start":179.32501,"end":188.46501,"sentiment":"neutral","sentiment_score":0.0899589007188167},{"text":"And then if it's ever a point where either we want to explore further different investments or different strategies or whatever it might be, we can always, you know, have a look at that whenever you guys are ready.","start":188.72,"end":200.66,"sentiment":"neutral","sentiment_score":0.07077098150665943}],"sentiment":"neutral","sentiment_score":0.1007655274043692,"num_words":94,"start":169.6,"end":200.66},{"sentences":[{"text":"Yeah.","start":202.0,"end":202.48,"sentiment":"neutral","sentiment_score":0.2371070235967636},{"text":"Perfect.","start":202.48,"end":202.98,"sentiment":"neutral","sentiment_score":0.3137134909629822},{"text":"So what I will do first is just to go through just a bit of an updated fact find with both of you just to see if there is anything major that has changed in in your life since we spoke last and if we need to make any tweaks and changes to your advice.","start":203.12,"end":217.59,"sentiment":"neutral","sentiment_score":0.06663118174130267},{"text":"So kind of bear with me as I go through this.","start":217.67,"end":220.56999,"sentiment":"neutral","sentiment_score":0.003654266961596229},{"text":"Now, obviously, personal information that hasn't changed.","start":222.79,"end":227.26999,"sentiment":"neutral","sentiment_score":-0.03283268905111721}],"sentiment":"neutral","sentiment_score":0.05367871498068174,"num_words":75,"start":202.0,"end":227.26999},{"sentences":[{"text":"Still married with true financial dependents.","start":227.26999,"end":229.45,"sentiment":"neutral","sentiment_score":-0.022287650887543958},{"text":"Yep.","start":231.19,"end":231.59,"sentiment":"neutral","sentiment_score":0.18586528301239016},{"text":"Beautiful.","start":231.59,"end":232.09,"sentiment":"positive","sentiment_score":0.4867245554924011},{"text":"And I do have each other nominated as next of kin.","start":232.31,"end":235.215,"sentiment":"neutral","sentiment_score":0.3049661625515331},{"text":"That's obviously still the case as well.","start":235.215,"end":237.235,"sentiment":"neutral","sentiment_score":0.15253530762025289}],"sentiment":"neutral","sentiment_score":0.19081687979185238,"num_words":26,"start":227.26999,"end":237.235},{"sentences":[{"text":"Yep.","start":237.77501,"end":238.27501,"sentiment":"neutral","sentiment_score":0.05236408859491348},{"text":"Now occupation wise, has that changed for either of you?","start":238.655,"end":242.35501,"sentiment":"neutral","sentiment_score":-0.005461268359795213},{"text":"Perfect.","start":244.175,"end":244.675,"sentiment":"positive","sentiment_score":0.3724745213985443},{"text":"Now I do wanna triple check income if that has changed.","start":245.05501,"end":248.34,"sentiment":"neutral","sentiment_score":0.18116017837416043},{"text":"So for Ellie, for you, I have 73,000.","start":248.66,"end":252.44,"sentiment":"neutral","sentiment_score":0.10513172578066587}],"sentiment":"neutral","sentiment_score":0.10335618370182571,"num_words":31,"start":237.77501,"end":252.44},{"sentences":[{"text":"Is that still that's still the yep.","start":252.66,"end":256.1,"sentiment":"neutral","sentiment_score":0.07023873685726098},{"text":"Perfect.","start":256.1,"end":256.6,"sentiment":"positive","sentiment_score":0.40434160828590393},{"text":"And, James, for you, I have about a 112.","start":257.46,"end":260.12,"sentiment":"neutral","sentiment_score":0.09340199414226744},{"text":"That's the same?","start":262.18,"end":263.06,"sentiment":"neutral","sentiment_score":0.11311409622430801},{"text":"Okay.","start":263.06,"end":263.385,"sentiment":"neutral","sentiment_score":0.25340938568115234}],"sentiment":"neutral","sentiment_score":0.11092297085339115,"num_words":21,"start":252.66,"end":263.385},{"sentences":[{"text":"Great.","start":263.625,"end":264.125,"sentiment":"positive","sentiment_score":0.5841633081436157},{"text":"Perfect.","start":265.86502,"end":266.36502,"sentiment":"positive","sentiment_score":0.46004074811935425},{"text":"Now let me see here.","start":267.14502,"end":268.58502,"sentiment":"neutral","sentiment_score":0.21178411841392517},{"text":"Now, James, salary sacrifice, are you still doing that as well?","start":268.58502,"end":272.765,"sentiment":"neutral","sentiment_score":0.07726789943196556},{"text":"Yep.","start":274.105,"end":274.505,"sentiment":"neutral","sentiment_score":0.09299718588590622}],"sentiment":"neutral","sentiment_score":0.16031940673526965,"num_words":19,"start":263.625,"end":274.505},{"sentences":[{"text":"Perfect.","start":274.505,"end":275.005,"sentiment":"neutral","sentiment_score":0.1840200275182724},{"text":"So no changes in regards to that.","start":275.14502,"end":277.36,"sentiment":"neutral","sentiment_score":0.02778478472360543},{"text":"Asset wise, I have here your property last was valued at about 1.3.","start":279.25998,"end":285.68,"sentiment":"neutral","sentiment_score":0.031776922969863966},{"text":"Do you guys know if that's roughly the same or has that changed?","start":286.06,"end":289.635,"sentiment":"neutral","sentiment_score":0.010109856294897886},{"text":"Yes.","start":291.795,"end":292.295,"sentiment":"neutral","sentiment_score":0.039249613881111145}],"sentiment":"neutral","sentiment_score":0.027494036140186445,"num_words":35,"start":274.505,"end":292.295},{"sentences":[{"text":"Still out of me.","start":296.515,"end":297.575,"sentiment":"neutral","sentiment_score":-0.005094137974083424},{"text":"1.3.","start":298.595,"end":299.655,"sentiment":"neutral","sentiment_score":0.07880929112434387},{"text":"That's good.","start":302.67502,"end":303.575,"sentiment":"neutral","sentiment_score":0.2818378508090973},{"text":"Alright.","start":303.87,"end":304.11002,"sentiment":"neutral","sentiment_score":0.0978718101978302},{"text":"And I had mortgage at about 540,000.","start":304.11002,"end":308.05002,"sentiment":"neutral","sentiment_score":0.03741173605833735}],"sentiment":"neutral","sentiment_score":0.06545749356349309,"num_words":15,"start":296.515,"end":308.05002},{"sentences":[{"text":"Yeah.","start":317.39,"end":317.685,"sentiment":"neutral","sentiment_score":-0.019203301519155502},{"text":"How what would you reckon?","start":319.04498,"end":321.385,"sentiment":"neutral","sentiment_score":-0.0034763388335704803},{"text":"Okay.","start":324.005,"end":324.505,"sentiment":"neutral","sentiment_score":0.06620155274868011},{"text":"Perfect.","start":324.725,"end":325.225,"sentiment":"neutral","sentiment_score":0.0890674740076065},{"text":"James.","start":328.485,"end":328.985,"sentiment":"neutral","sentiment_score":0.02326604351401329}],"sentiment":"neutral","sentiment_score":0.015772230509254668,"num_words":9,"start":317.39,"end":328.985},{"sentences":[{"text":"Camper trailer 8,000 still?","start":329.445,"end":331.08,"sentiment":"neutral","sentiment_score":0.01545435469597578},{"text":"No.","start":332.03998,"end":332.53998,"sentiment":"neutral","sentiment_score":-0.048173174262046814},{"text":"No?","start":333.63998,"end":334.13998,"sentiment":"neutral","sentiment_score":-0.04563646018505096},{"text":"Okay.","start":336.59998,"end":337.09998,"sentiment":"neutral","sentiment_score":-0.013321854174137115},{"text":"30.","start":338.52,"end":339.02,"sentiment":"neutral","sentiment_score":-0.007441842928528786}],"sentiment":"neutral","sentiment_score":-0.006594489095732569,"num_words":8,"start":329.445,"end":339.02},{"sentences":[{"text":"40.","start":340.03998,"end":340.53998,"sentiment":"neutral","sentiment_score":-0.009555420838296412},{"text":"Perfect.","start":342.75998,"end":343.25998,"sentiment":"neutral","sentiment_score":0.08724814653396606},{"text":"And 40 5.","start":343.71997,"end":346.19998,"sentiment":"neutral","sentiment_score":0.0247450756529967},{"text":"Okay.","start":346.19998,"end":346.575,"sentiment":"neutral","sentiment_score":0.0659731775522232},{"text":"Perfect.","start":346.655,"end":347.05502,"sentiment":"neutral","sentiment_score":0.11327601969242096}],"sentiment":"neutral","sentiment_score":0.04731102141418627,"num_words":7,"start":340.03998,"end":347.05502},{"sentences":[{"text":"Forty five.","start":347.05502,"end":351.39502,"sentiment":"neutral","sentiment_score":0.03636231925338507},{"text":"Perfect.","start":365.79,"end":366.29,"sentiment":"neutral","sentiment_score":0.11441651731729507},{"text":"$5.01 22.","start":366.51,"end":368.05,"sentiment":"neutral","sentiment_score":0.03834870457649231},{"text":"Now with the new Tampa trailer as well, did you guys have anything owing on that one?","start":368.66998,"end":375.695,"sentiment":"neutral","sentiment_score":0.018008612972848555},{"text":"Okay.","start":377.915,"end":378.315,"sentiment":"neutral","sentiment_score":0.0591883584856987}],"sentiment":"neutral","sentiment_score":0.027355362782659737,"num_words":23,"start":347.05502,"end":378.315},{"sentences":[{"text":"Perfect.","start":378.315,"end":378.815,"sentiment":"neutral","sentiment_score":0.10944795608520508},{"text":"Now motor vehicles, I have here l e c u.","start":379.515,"end":382.23502,"sentiment":"neutral","sentiment_score":0.03468172159045935},{"text":"It was worth about 25,000.","start":382.23502,"end":384.33502,"sentiment":"neutral","sentiment_score":0.02946842685341835},{"text":"That's still about 22.","start":386.315,"end":392.38998,"sentiment":"neutral","sentiment_score":0.01825330127030611},{"text":"Perfect.","start":392.38998,"end":392.87,"sentiment":"neutral","sentiment_score":0.20200031995773315}],"sentiment":"neutral","sentiment_score":0.04183908720456418,"num_words":21,"start":378.315,"end":392.87},{"sentences":[{"text":"And still, obviously, nothing owing on that one?","start":392.87,"end":395.93,"sentiment":"neutral","sentiment_score":0.011569814174436031},{"text":"Perfect.","start":397.43,"end":397.83,"sentiment":"positive","sentiment_score":0.5388529896736145},{"text":"And, James, do you still have a no later lease agreement for your car?","start":397.83,"end":401.67502,"sentiment":"neutral","sentiment_score":0.11445012156452451},{"text":"Okay.","start":403.495,"end":403.89502,"sentiment":"neutral","sentiment_score":0.20267923176288605},{"text":"Perfect.","start":403.89502,"end":404.39502,"sentiment":"positive","sentiment_score":0.3713833689689636}],"sentiment":"neutral","sentiment_score":0.11231103222817182,"num_words":25,"start":392.87,"end":404.39502},{"sentences":[{"text":"And if you were to buy it, sell it, would it be worth about $70, would you say, the car?","start":404.61502,"end":411.835,"sentiment":"neutral","sentiment_score":0.07872261721640825},{"text":"Yeah.","start":414.45502,"end":414.81,"sentiment":"neutral","sentiment_score":-0.0013126693665981293},{"text":"And if you were to, obviously, cancel and pay out the the remainder of the lease, would it be about 60 owing or a little bit less?","start":415.69,"end":423.79,"sentiment":"neutral","sentiment_score":-0.03267783443960878},{"text":"Mhmm.","start":427.69,"end":428.145,"sentiment":"neutral","sentiment_score":-0.0799979418516159},{"text":"Yeah.","start":439.745,"end":440.16,"sentiment":"neutral","sentiment_score":-0.302775502204895}],"sentiment":"neutral","sentiment_score":0.006161294020712376,"num_words":50,"start":404.61502,"end":440.16},{"sentences":[{"text":"Sure.","start":450.56,"end":451.06,"sentiment":"neutral","sentiment_score":-0.12817025184631348},{"text":"That's okay.","start":452.48,"end":453.12,"sentiment":"neutral","sentiment_score":-0.008009377866983414},{"text":"You can you can take your time.","start":453.12,"end":454.785,"sentiment":"neutral","sentiment_score":0.0597197243145534},{"text":"I can check, Ellie, with you.","start":454.785,"end":456.705,"sentiment":"neutral","sentiment_score":0.022605070533851784},{"text":"I have savings about 4,400.","start":456.705,"end":459.605,"sentiment":"neutral","sentiment_score":0.0062209303257986905}],"sentiment":"neutral","sentiment_score":0.020980197021604648,"num_words":21,"start":450.56,"end":459.605},{"sentences":[{"text":"Mhmm.","start":492.185,"end":492.685,"sentiment":"neutral","sentiment_score":-0.047555603086948395},{"text":"Yep.","start":494.02502,"end":494.25,"sentiment":"neutral","sentiment_score":-0.01442358922213316},{"text":"Okay.","start":504.73,"end":505.23,"sentiment":"neutral","sentiment_score":-0.010537929832935332},{"text":"So is that in an off set, or did you, like, a redraw?","start":505.37,"end":511.035,"sentiment":"neutral","sentiment_score":-0.018451382191135332},{"text":"A redraw.","start":512.775,"end":513.415,"sentiment":"neutral","sentiment_score":-0.007930119521915913}],"sentiment":"neutral","sentiment_score":-0.018235851648367114,"num_words":18,"start":492.185,"end":513.415},{"sentences":[{"text":"Okay.","start":513.415,"end":513.815,"sentiment":"neutral","sentiment_score":0.1015682891011238},{"text":"Perfect.","start":513.815,"end":514.315,"sentiment":"neutral","sentiment_score":0.2338584065437317},{"text":"That's all good.","start":514.375,"end":515.175,"sentiment":"neutral","sentiment_score":0.2749126156171163},{"text":"Sorry.","start":515.175,"end":515.675,"sentiment":"neutral","sentiment_score":0.011765960603952408},{"text":"Total owing is the 522, but then you have 17 that you could redraw if you wanted to.","start":517.335,"end":523.5,"sentiment":"neutral","sentiment_score":-0.007427852626682984}],"sentiment":"neutral","sentiment_score":0.043259548159160964,"num_words":24,"start":513.415,"end":523.5},{"sentences":[{"text":"Is that correct?","start":523.58,"end":524.4,"sentiment":"neutral","sentiment_score":0.01525605097413063},{"text":"Yep.","start":525.1,"end":525.42,"sentiment":"neutral","sentiment_score":0.07955045998096466},{"text":"Okay.","start":525.42,"end":525.9,"sentiment":"neutral","sentiment_score":0.1537860929965973},{"text":"Perfect.","start":525.9,"end":526.4,"sentiment":"neutral","sentiment_score":0.32332611083984375},{"text":"That is all good.","start":526.54,"end":527.82,"sentiment":"positive","sentiment_score":0.38424399495124817}],"sentiment":"neutral","sentiment_score":0.21394067965447902,"num_words":10,"start":523.58,"end":527.82},{"sentences":[{"text":"And did you get any update on the car change at all?","start":527.82,"end":533.26,"sentiment":"neutral","sentiment_score":0.05054510788371166},{"text":"Or if yeah?","start":533.26,"end":534.4,"sentiment":"neutral","sentiment_score":0.01598712181051572},{"text":"Yep.","start":540.965,"end":541.465,"sentiment":"neutral","sentiment_score":0.013295844197273254},{"text":"Okay.","start":547.045,"end":547.545,"sentiment":"neutral","sentiment_score":0.02815895900130272},{"text":"Rough roughly.","start":549.925,"end":550.825,"sentiment":"neutral","sentiment_score":0.0054536247625947}],"sentiment":"neutral","sentiment_score":0.037203405934729074,"num_words":19,"start":527.82,"end":550.825},{"sentences":[{"text":"And there was a '28, did you say?","start":551.045,"end":552.89996,"sentiment":"neutral","sentiment_score":0.007502981054130942},{"text":"Twenty eight thousand?","start":552.89996,"end":553.8,"sentiment":"neutral","sentiment_score":0.006943972160418828},{"text":"Twenty.","start":557.46,"end":557.96,"sentiment":"neutral","sentiment_score":0.008205477148294449},{"text":"Okay.","start":559.94,"end":560.42,"sentiment":"neutral","sentiment_score":0.18000781536102295},{"text":"Perfect.","start":560.42,"end":560.92,"sentiment":"positive","sentiment_score":0.4112316966056824}],"sentiment":"neutral","sentiment_score":0.04859291100209313,"num_words":14,"start":551.045,"end":560.92},{"sentences":[{"text":"So in here, 2028.","start":561.06,"end":564.04,"sentiment":"neutral","sentiment_score":0.14598523452877998},{"text":"Great.","start":564.33997,"end":564.83997,"sentiment":"positive","sentiment_score":0.5389782190322876},{"text":"Any other assets that's changed or you guys bought in the last since we spoke last?","start":565.53503,"end":570.73505,"sentiment":"neutral","sentiment_score":0.14749660901725292},{"text":"Any other motor vehicles or motorbikes or boats?","start":570.73505,"end":574.11505,"sentiment":"neutral","sentiment_score":0.0022510294802486897},{"text":"Nope.","start":574.41504,"end":574.91504,"sentiment":"neutral","sentiment_score":-0.026185479015111923}],"sentiment":"neutral","sentiment_score":0.11582292194167773,"num_words":30,"start":561.06,"end":574.91504},{"sentences":[{"text":"That's all good.","start":576.09503,"end":576.97504,"sentiment":"positive","sentiment_score":0.49653799335161847},{"text":"Perfect.","start":576.97504,"end":577.47504,"sentiment":"positive","sentiment_score":0.4148903489112854},{"text":"Now have either of you had any changes to your health in the last twelve months or so?","start":578.6,"end":583.98,"sentiment":"neutral","sentiment_score":0.039097911367813744},{"text":"Any injuries or medications or anything?","start":584.27997,"end":586.86,"sentiment":"neutral","sentiment_score":-0.005979001987725496},{"text":"That's great.","start":591.0,"end":591.72,"sentiment":"positive","sentiment_score":0.6451666057109833}],"sentiment":"neutral","sentiment_score":0.12875753110274674,"num_words":30,"start":576.09503,"end":591.72},{"sentences":[{"text":"I like that.","start":591.72,"end":592.765,"sentiment":"positive","sentiment_score":0.5990893642107645},{"text":"It's worth being like, oh, yeah.","start":592.905,"end":594.185,"sentiment":"neutral","sentiment_score":0.11429895460605621},{"text":"I was diagnosed with this and this and this and this.","start":594.185,"end":596.185,"sentiment":"neutral","sentiment_score":0.07564542781222951},{"text":"No.","start":596.185,"end":596.425,"sentiment":"neutral","sentiment_score":-0.18334563076496124},{"text":"I like boring when it comes to health.","start":596.425,"end":598.365,"sentiment":"neutral","sentiment_score":-0.19891680404543877}],"sentiment":"neutral","sentiment_score":0.05312005045085118,"num_words":29,"start":591.72,"end":598.365},{"sentences":[{"text":"Now do either of you have private health insurance as well?","start":600.265,"end":603.885,"sentiment":"neutral","sentiment_score":-0.004786957309327342},{"text":"Okay.","start":605.625,"end":606.025,"sentiment":"neutral","sentiment_score":0.08099740743637085},{"text":"Perfect.","start":606.025,"end":606.34503,"sentiment":"neutral","sentiment_score":0.13486018776893616},{"text":"And that'd be hospital as well?","start":606.34503,"end":609.26,"sentiment":"neutral","sentiment_score":0.056147086744507156},{"text":"Yep.","start":609.4,"end":609.8,"sentiment":"neutral","sentiment_score":0.03037191554903984}],"sentiment":"neutral","sentiment_score":0.02652277504093945,"num_words":20,"start":600.265,"end":609.8},{"sentences":[{"text":"Okay.","start":609.8,"end":610.12,"sentiment":"neutral","sentiment_score":0.07905957102775574},{"text":"Perfect.","start":610.12,"end":610.62,"sentiment":"neutral","sentiment_score":0.12634918093681335},{"text":"Now estate planning wise, do you guys have a will or 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stuff?","start":626.78503,"end":633.28503,"sentiment":"neutral","sentiment_score":0.03000930681824684},{"text":"Okay.","start":638.55,"end":639.05,"sentiment":"neutral","sentiment_score":-0.005205446854233742},{"text":"No.","start":640.14996,"end":640.47,"sentiment":"neutral","sentiment_score":-0.0091194286942482},{"text":"Okay.","start":640.47,"end":640.71,"sentiment":"neutral","sentiment_score":0.04333353042602539}],"sentiment":"neutral","sentiment_score":0.052699593765040235,"num_words":30,"start":626.385,"end":640.71},{"sentences":[{"text":"That's all good.","start":640.71,"end":641.35,"sentiment":"neutral","sentiment_score":0.13567914813756943},{"text":"But you got a will anyway.","start":641.35,"end":642.49,"sentiment":"neutral","sentiment_score":0.031173643035193283},{"text":"Did you in the will do anything in regards to our guardianships or anything as 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politics?","start":679.965,"end":686.625,"sentiment":"neutral","sentiment_score":0.0008134955110458228},{"text":"No.","start":688.685,"end":689.185,"sentiment":"neutral","sentiment_score":-0.06397730857133865}],"sentiment":"positive","sentiment_score":0.463886444661312,"num_words":41,"start":670.56,"end":689.185},{"sentences":[{"text":"That's the same for you, Ellie?","start":689.325,"end":690.78503,"sentiment":"neutral","sentiment_score":0.004135113364706437},{"text":"Yep.","start":692.28503,"end":692.78503,"sentiment":"neutral","sentiment_score":0.10123809427022934},{"text":"Perfect.","start":693.4,"end":693.48,"sentiment":"neutral","sentiment_score":0.2544514536857605},{"text":"And do you earn any income overseas at all, like a tax resident in a foreign 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on?","start":720.91504,"end":723.84,"sentiment":"neutral","sentiment_score":-0.04118984658271074},{"text":"On?","start":724.24005,"end":724.74005,"sentiment":"neutral","sentiment_score":-0.013371656648814678}],"sentiment":"neutral","sentiment_score":0.04024502768773924,"num_words":55,"start":701.0,"end":724.74005},{"sentences":[{"text":"Yep.","start":725.04004,"end":725.54004,"sentiment":"neutral","sentiment_score":-0.0097533967345953},{"text":"Nice.","start":725.84,"end":726.34,"sentiment":"neutral","sentiment_score":-0.05526968091726303},{"text":"Yep.","start":728.72003,"end":729.2,"sentiment":"neutral","sentiment_score":0.0478067621588707},{"text":"Okay.","start":729.2,"end":729.68005,"sentiment":"neutral","sentiment_score":0.16612742841243744},{"text":"Perfect.","start":729.68005,"end":730.18005,"sentiment":"positive","sentiment_score":0.3439211845397949}],"sentiment":"neutral","sentiment_score":0.09856645949184895,"num_words":5,"start":725.04004,"end":730.18005},{"sentences":[{"text":"Now the next thing I do wanna run over with you both, it is just an updated that kind of risk profile questionnaire.","start":730.80005,"end":736.765,"sentiment":"neutral","sentiment_score":0.10780390416798384},{"text":"It is a little bit shorter version, though, to make it nice and easy.","start":736.765,"end":739.885,"sentiment":"neutral","sentiment_score":0.1792419451688017},{"text":"Again, it is just multiple choice.","start":739.885,"end":741.985,"sentiment":"neutral","sentiment_score":0.12113012497623761},{"text":"No right or wrong answer, but it is just to see if any of your risk tolerance has changed and if we need to many make any tweaks and changes to how the money is invested.","start":742.925,"end":752.73,"sentiment":"neutral","sentiment_score":-0.04327362972415156},{"text":"So it is quite similar to to last time, but just let me know if it doesn't make sense.","start":754.14996,"end":758.38995,"sentiment":"neutral","sentiment_score":-0.10858495278578055}],"sentiment":"neutral","sentiment_score":0.021374418419234608,"num_words":98,"start":730.80005,"end":758.38995},{"sentences":[{"text":"Okay?","start":758.38995,"end":758.88995,"sentiment":"neutral","sentiment_score":0.008067410439252853},{"text":"Perfect.","start":760.63,"end":761.13,"sentiment":"neutral","sentiment_score":0.17345629632472992},{"text":"Now either of you have you ever invested in any personal investments, like managed funds or direct shares or anything?","start":762.23,"end":770.385,"sentiment":"neutral","sentiment_score":0.03814630834385753},{"text":"No.","start":772.28503,"end":772.78503,"sentiment":"neutral","sentiment_score":-0.08804880827665329},{"text":"Perfect.","start":772.925,"end":773.425,"sentiment":"neutral","sentiment_score":0.03811069577932358}],"sentiment":"neutral","sentiment_score":0.037271323380991817,"num_words":24,"start":758.38995,"end":773.425},{"sentences":[{"text":"And when it comes to your superannuation, are you kind of still planning on retiring at 60 when you can?","start":774.125,"end":782.22003,"sentiment":"neutral","sentiment_score":0.0018386436626315118},{"text":"That's still kind of the focus.","start":782.92004,"end":784.46,"sentiment":"neutral","sentiment_score":0.04404182390620311},{"text":"As soon as possible.","start":785.48004,"end":786.62006,"sentiment":"neutral","sentiment_score":0.19600000977516174},{"text":"Yep.","start":787.0,"end":787.5,"sentiment":"neutral","sentiment_score":-0.04394061118364334},{"text":"Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?","start":789.0,"end":805.135,"sentiment":"neutral","sentiment_score":-0.03921342924843694}],"sentiment":"neutral","sentiment_score":-0.008717489365891024,"num_words":74,"start":774.125,"end":805.135},{"sentences":[{"text":"High to moderate?","start":808.395,"end":809.215,"sentiment":"neutral","sentiment_score":0.0232855174690485},{"text":"Okay.","start":810.96,"end":811.46,"sentiment":"positive","sentiment_score":0.37053027749061584},{"text":"Perfect.","start":811.52,"end":812.02,"sentiment":"positive","sentiment_score":0.5182641744613647},{"text":"Now next is when it comes to fluctuations.","start":814.48,"end":817.14,"sentiment":"neutral","sentiment_score":0.04166885674931109},{"text":"So if, hypothetically speaking, you place an investment, and then after six months, it's decreased in value by 20% due to kind of general trends in the market.","start":818.0,"end":830.535,"sentiment":"neutral","sentiment_score":-0.08822869812138379}],"sentiment":"neutral","sentiment_score":-0.02874150461085686,"num_words":41,"start":808.395,"end":830.535},{"sentences":[{"text":"Would you, if you had the option to do so, think that now is while the prices are down?","start":831.075,"end":838.77,"sentiment":"neutral","sentiment_score":-0.0649051540776303},{"text":"Would you just kind of be a bit more neutral, just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you're out in selling when the prices have already dropped.","start":838.77,"end":854.435,"sentiment":"neutral","sentiment_score":-0.04750387453135441},{"text":"Neutral?","start":854.435,"end":854.935,"sentiment":"neutral","sentiment_score":-0.0201631523668766},{"text":"Yep.","start":855.315,"end":855.795,"sentiment":"neutral","sentiment_score":0.004946662113070488},{"text":"And James?","start":855.795,"end":856.615,"sentiment":"neutral","sentiment_score":0.0035458486527204514}],"sentiment":"neutral","sentiment_score":-0.049723779101536345,"num_words":67,"start":831.075,"end":856.615},{"sentences":[{"text":"That's okay.","start":864.25,"end":865.05005,"sentiment":"neutral","sentiment_score":0.003163736022543162},{"text":"You did say new you said you said you said neutral last time.","start":865.05005,"end":868.41003,"sentiment":"neutral","sentiment_score":-0.005015687157328312},{"text":"It was like, oh, neutral.","start":868.41003,"end":870.99005,"sentiment":"neutral","sentiment_score":0.064626419916749},{"text":"Okay.","start":872.81,"end":873.31,"sentiment":"neutral","sentiment_score":0.12080574780702592},{"text":"No problem.","start":876.09,"end":876.91003,"sentiment":"neutral","sentiment_score":0.1557336300611496}],"sentiment":"neutral","sentiment_score":0.030283854196212538,"num_words":23,"start":864.25,"end":876.91003},{"sentences":[{"text":"Now that basically tells me here that you guys have come out pretty much exactly the same as as last time we spoke, which is that kind of growth portfolio.","start":878.155,"end":887.375,"sentiment":"neutral","sentiment_score":0.12808259204030037},{"text":"Do you guys remember what it means to be a growth investor at all?","start":888.075,"end":892.255,"sentiment":"neutral","sentiment_score":0.03210314429764237},{"text":"No.","start":894.85,"end":895.35,"sentiment":"neutral","sentiment_score":-0.12717092037200928},{"text":"No.","start":901.32996,"end":901.64996,"sentiment":"neutral","sentiment_score":-0.05071893706917763},{"text":"Exactly.","start":901.64996,"end":902.14996,"sentiment":"neutral","sentiment_score":0.03785453736782074}],"sentiment":"neutral","sentiment_score":0.08833800981494974,"num_words":47,"start":878.155,"end":902.14996},{"sentences":[{"text":"So it's, like, kind of somewhere in the middle where you are still focusing on growth.","start":902.20996,"end":905.565,"sentiment":"neutral","sentiment_score":0.06953475554473698},{"text":"Your your main focus is to maximize growth in your super while you still have plenty of time.","start":905.565,"end":910.145,"sentiment":"neutral","sentiment_score":0.15424996676544347},{"text":"You will see some short term fluctuations because you are invested in those growth investments, but it is not your high growth or aggressive.","start":910.445,"end":918.35,"sentiment":"neutral","sentiment_score":0.06112466333433986},{"text":"So it's still kind of a good balance.","start":918.65,"end":920.58997,"sentiment":"neutral","sentiment_score":0.20256031397730112},{"text":"And when it comes to that asset allocation, it's about the eighty twenty split.","start":921.21,"end":926.51,"sentiment":"neutral","sentiment_score":0.021781605136181627}],"sentiment":"neutral","sentiment_score":0.09101840492803603,"num_words":80,"start":902.20996,"end":926.51},{"sentences":[{"text":"So 80 combined in those growth investments and 20 in defensive.","start":926.57,"end":931.875,"sentiment":"neutral","sentiment_score":0.05341464839875698},{"text":"Are you guys still both kind of comfortable remaining in that risk profile allocation?","start":932.255,"end":936.835,"sentiment":"neutral","sentiment_score":0.0039772894233465195},{"text":"Yep.","start":938.335,"end":938.815,"sentiment":"neutral","sentiment_score":0.1145397052168846},{"text":"Okay.","start":938.815,"end":939.315,"sentiment":"neutral","sentiment_score":0.18547549843788147},{"text":"Perfect.","start":939.375,"end":939.875,"sentiment":"positive","sentiment_score":0.4310412406921386}],"sentiment":"neutral","sentiment_score":0.04908212959500296,"num_words":28,"start":926.57,"end":939.875},{"sentences":[{"text":"Now next up, do you guys have access to your emails at the moment?","start":940.655,"end":947.22003,"sentiment":"neutral","sentiment_score":0.09561385985996042},{"text":"Yes.","start":947.22003,"end":947.54004,"sentiment":"neutral","sentiment_score":0.08666104078292847},{"text":"Okay.","start":947.54004,"end":947.86005,"sentiment":"neutral","sentiment_score":0.1747355759143829},{"text":"Perfect.","start":947.86005,"end":948.34,"sentiment":"positive","sentiment_score":0.39439892768859863},{"text":"So what I have done is I have sent you, Boris, an email.","start":948.34,"end":951.54004,"sentiment":"neutral","sentiment_score":0.15461825694029147}],"sentiment":"neutral","sentiment_score":0.13348089742163818,"num_words":30,"start":940.655,"end":951.54004},{"sentences":[{"text":"It is identical.","start":951.54004,"end":952.76,"sentiment":"neutral","sentiment_score":0.1268258715669314},{"text":"So whether you wanna look together or separate, it's it's up to you.","start":952.9,"end":956.44,"sentiment":"neutral","sentiment_score":0.09823016822338104},{"text":"James.halverson@hotmail.com.","start":963.545,"end":966.125,"sentiment":"neutral","sentiment_score":0.028005067259073257},{"text":"Yep.","start":966.425,"end":966.925,"sentiment":"neutral","sentiment_score":0.08162175118923187},{"text":"Yep.","start":967.865,"end":968.265,"sentiment":"neutral","sentiment_score":0.1775871515274048}],"sentiment":"neutral","sentiment_score":0.10235177745160304,"num_words":19,"start":951.54004,"end":968.265},{"sentences":[{"text":"Perfect.","start":968.265,"end":968.765,"sentiment":"positive","sentiment_score":0.509366512298584},{"text":"Just have a look sometime while we're on the phone as well just to make sure it did come through to you.","start":969.385,"end":975.08997,"sentiment":"neutral","sentiment_score":0.20803111723878168},{"text":"We have also changed the software, so it may end up in spam folder.","start":975.08997,"end":979.58997,"sentiment":"neutral","sentiment_score":-0.10090378299355507},{"text":"So let us yes.","start":982.13,"end":986.745,"sentiment":"neutral","sentiment_score":0.02760218596085906},{"text":"Yep.","start":986.985,"end":987.485,"sentiment":"neutral","sentiment_score":0.08288857340812683}],"sentiment":"neutral","sentiment_score":0.09206417730698983,"num_words":42,"start":968.265,"end":987.485},{"sentences":[{"text":"So it's kind of the same.","start":987.785,"end":989.625,"sentiment":"neutral","sentiment_score":0.08314560477932294},{"text":"So if it will ask you to click on the link to sign, it doesn't mean it'll ask you to sign right away.","start":989.625,"end":994.445,"sentiment":"neutral","sentiment_score":0.09593011365960473},{"text":"It will just basically allow you to click on the link, and then you'll see all the individual attachments first just to make sure you guys are happy with everything before it prompts you to sign anything.","start":994.505,"end":1003.82,"sentiment":"neutral","sentiment_score":0.1832444349656234},{"text":"Perfect.","start":1006.2,"end":1006.68,"sentiment":"positive","sentiment_score":0.47226482629776},{"text":"Now let me know if you can see the first document, which should be a summary of superannuation and insurance with James.","start":1006.68,"end":1016.085,"sentiment":"neutral","sentiment_score":0.262884183363481}],"sentiment":"neutral","sentiment_score":0.17686547412212644,"num_words":89,"start":987.785,"end":1016.085},{"sentences":[{"text":"Yep.","start":1016.705,"end":1017.10504,"sentiment":"neutral","sentiment_score":0.24679350852966309},{"text":"Perfect.","start":1017.10504,"end":1017.60504,"sentiment":"positive","sentiment_score":0.49564263224601746},{"text":"So they are kind of in order for for both of you.","start":1017.985,"end":1021.745,"sentiment":"positive","sentiment_score":0.4117514242728551},{"text":"So next document will be same as you can see here, but for you, Ellie.","start":1021.745,"end":1025.93,"sentiment":"neutral","sentiment_score":0.24758970936139424},{"text":"So, obviously, for you, James no.","start":1025.93,"end":1029.77,"sentiment":"neutral","sentiment_score":0.279828858251373}],"sentiment":"neutral","sentiment_score":0.3164649149136884,"num_words":35,"start":1016.705,"end":1029.77},{"sentences":[{"text":"Perfect.","start":1029.77,"end":1030.27,"sentiment":"neutral","sentiment_score":0.1576731652021408},{"text":"You you both have your superannuation with hub twenty four.","start":1030.89,"end":1035.2101,"sentiment":"neutral","sentiment_score":0.13295665215700864},{"text":"Now, James, you can see here that your super balance is at 410,748.","start":1035.2101,"end":1042.665,"sentiment":"neutral","sentiment_score":0.060049969129837476},{"text":"You also have your insurances with MetLife.","start":1043.4451,"end":1046.425,"sentiment":"neutral","sentiment_score":0.04480312764644623},{"text":"You can see the cover amounts listed on that page as well.","start":1046.645,"end":1049.785,"sentiment":"neutral","sentiment_score":0.05943115086605152}],"sentiment":"neutral","sentiment_score":0.07662058114832224,"num_words":43,"start":1029.77,"end":1049.785},{"sentences":[{"text":"You have your life and total permanent disability, and that is 1,207,500.","start":1050.0851,"end":1057.31,"sentiment":"neutral","sentiment_score":0.02727295644581318},{"text":"Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or still happy with what you've got?","start":1060.65,"end":1072.9049,"sentiment":"neutral","sentiment_score":0.20076651208930546},{"text":"Yep.","start":1074.085,"end":1074.585,"sentiment":"neutral","sentiment_score":0.17720738053321838},{"text":"Now you also have your income protection, which will pay you that monthly amount of 6,742 if something were to happen on a monthly basis.","start":1075.9249,"end":1086.2999,"sentiment":"neutral","sentiment_score":0.11340871989727021},{"text":"You have that sixty day waiting period, two year benefit period.","start":1086.6799,"end":1090.44,"sentiment":"neutral","sentiment_score":0.13863585008816284}],"sentiment":"neutral","sentiment_score":0.14226223107646493,"num_words":85,"start":1050.0851,"end":1090.44},{"sentences":[{"text":"Now all those three are paid from within twenty four, but you don't pay for anything out of pocket.","start":1090.44,"end":1096.8451,"sentiment":"neutral","sentiment_score":0.08772912405823406},{"text":"You do get that tax rebate.","start":1097.305,"end":1099.3251,"sentiment":"neutral","sentiment_score":0.15478482469916344},{"text":"So after that, for all three, it's 1,329.","start":1099.4651,"end":1103.885,"sentiment":"neutral","sentiment_score":0.08087050635367632},{"text":"Do you have any questions in regards to any of your insurances or anything so far?","start":1104.1051,"end":1108.45,"sentiment":"neutral","sentiment_score":0.03270862641511485},{"text":"Nope.","start":1111.3099,"end":1111.8099,"sentiment":"neutral","sentiment_score":-0.1393395960330963}],"sentiment":"neutral","sentiment_score":0.0725304956547916,"num_words":50,"start":1090.44,"end":1111.8099},{"sentences":[{"text":"Perfect.","start":1111.95,"end":1112.45,"sentiment":"neutral","sentiment_score":0.13934466242790222},{"text":"Did you have anything in regards to the sofa?","start":1114.27,"end":1116.37,"sentiment":"neutral","sentiment_score":0.00780646875500679},{"text":"Yes.","start":1128.3151,"end":1128.795,"sentiment":"neutral","sentiment_score":-0.0028977468609809875},{"text":"It's actually two documents away.","start":1128.795,"end":1130.9551,"sentiment":"neutral","sentiment_score":-0.002112482860684395},{"text":"I'll have that for both of you, showing you what the individual investment's done for all of them as well in a bit more detail.","start":1130.9551,"end":1137.45,"sentiment":"neutral","sentiment_score":0.04983788892626762}],"sentiment":"neutral","sentiment_score":0.03517292544427442,"num_words":41,"start":1111.95,"end":1137.45},{"sentences":[{"text":"Now next document, it's kind of the same situation for you, Ellie.","start":1140.63,"end":1144.39,"sentiment":"neutral","sentiment_score":0.08035898394882679},{"text":"So you will have you'll have 24, your super balance, same for you.","start":1144.39,"end":1148.87,"sentiment":"neutral","sentiment_score":0.10198147193743633},{"text":"MetLife insurances, you have 1,050,000 worth of life and TPD.","start":1148.87,"end":1154.345,"sentiment":"neutral","sentiment_score":0.06945059970021247},{"text":"Also, that income protection monthly amount is at 4,392.","start":1154.805,"end":1161.145,"sentiment":"neutral","sentiment_score":0.037412486556503505},{"text":"Again, all paid from within hub 24.","start":1161.285,"end":1163.55,"sentiment":"neutral","sentiment_score":0.046221346727439334}],"sentiment":"neutral","sentiment_score":0.07146734795441814,"num_words":51,"start":1140.63,"end":1163.55},{"sentences":[{"text":"Tax rebate, $9.05 2.","start":1163.87,"end":1166.51,"sentiment":"neutral","sentiment_score":0.03883720654994249},{"text":"Do you have any questions with your insurances as well?","start":1166.51,"end":1169.25,"sentiment":"neutral","sentiment_score":0.02799061071127653},{"text":"You're good.","start":1171.4701,"end":1172.1101,"sentiment":"positive","sentiment_score":0.512850433588028},{"text":"Alright.","start":1172.1101,"end":1172.51,"sentiment":"positive","sentiment_score":0.38062843680381775},{"text":"Perfect.","start":1172.51,"end":1173.01,"sentiment":"positive","sentiment_score":0.4663596749305725}],"sentiment":"neutral","sentiment_score":0.12821910623461008,"num_words":18,"start":1163.87,"end":1173.01},{"sentences":[{"text":"Now the next two, so there's one for each of you.","start":1173.2301,"end":1176.4501,"sentiment":"neutral","sentiment_score":0.16874504834413528},{"text":"First one is for you, James.","start":1177.7101,"end":1178.955,"sentiment":"neutral","sentiment_score":0.03792507698138555},{"text":"Now it should say performance with IRR.","start":1179.2749,"end":1182.495,"sentiment":"neutral","sentiment_score":0.03907417000404426},{"text":"Can you see that?","start":1182.7949,"end":1183.855,"sentiment":"neutral","sentiment_score":0.04208308178931475},{"text":"Yes.","start":1185.195,"end":1185.595,"sentiment":"neutral","sentiment_score":0.1118534654378891}],"sentiment":"neutral","sentiment_score":0.09094658538956067,"num_words":29,"start":1173.2301,"end":1185.595},{"sentences":[{"text":"Okay.","start":1185.595,"end":1186.095,"sentiment":"neutral","sentiment_score":0.1852240264415741},{"text":"Now this one here might look a bit messy because it basically breaks down all your individual investments, how they have performed, and this is the last twelve months.","start":1188.5549,"end":1201.02,"sentiment":"neutral","sentiment_score":-0.006279813703791848},{"text":"So it shows you the twelve month period of what has So between the 08/11/2025 to the 08/10/2026.","start":1201.08,"end":1210.885,"sentiment":"neutral","sentiment_score":-0.004151692044817739},{"text":"Now, obviously, when we are looking back at the last twelve months, there has been quite a bit of market fluctuations.","start":1211.265,"end":1217.2051,"sentiment":"neutral","sentiment_score":-0.13938253390647115},{"text":"So, obviously, I'm sure you guys have had or seen, obviously, everything in The US with Trump and tariffs and everything.","start":1217.905,"end":1224.29,"sentiment":"neutral","sentiment_score":-0.0714718523834433}],"sentiment":"neutral","sentiment_score":-0.04999514599848125,"num_words":90,"start":1185.595,"end":1224.29},{"sentences":[{"text":"Saw a bit of those fluctuations and, obviously, more recently with the war as well.","start":1224.51,"end":1228.61,"sentiment":"neutral","sentiment_score":-0.16943965007861456},{"text":"So we have seen quite a bit of turbulent in the market, which is to be expected for what has happened.","start":1228.75,"end":1234.6951,"sentiment":"negative","sentiment_score":-0.3411509408837273},{"text":"Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition.","start":1235.155,"end":1244.055,"sentiment":"positive","sentiment_score":0.49544206715148426},{"text":"So if we start for you, James, which is here, if we're looking at a total portfolio, now this is all after fees.","start":1244.275,"end":1253.0701,"sentiment":"neutral","sentiment_score":0.13523931890402152},{"text":"So after all fees have been deducted from your portfolio, in the last twelve months alone, your portfolio has still gone up by 7.68% after fees, which equates through about 34,018 just for your investment.","start":1253.0701,"end":1271.4651,"sentiment":"neutral","sentiment_score":0.2655792608857155}],"sentiment":"neutral","sentiment_score":0.12047163675674516,"num_words":117,"start":1224.51,"end":1271.4651},{"sentences":[{"text":"So that is not from, like, employer contributions.","start":1271.4651,"end":1271.545,"sentiment":"neutral","sentiment_score":0.00042689451947808266},{"text":"That is Perfect.","start":1271.545,"end":1279.66,"sentiment":"neutral","sentiment_score":0.28024772306283313},{"text":"Now talking about investments, and that is the same for both of you, when we are looking at, obviously, investments because, obviously, a lot of things have changed in the last twelve months.","start":1280.2001,"end":1290.665,"sentiment":"neutral","sentiment_score":0.12624580322793036},{"text":"So the good thing with hub twenty four is that there is hundreds of different options for us to choose from.","start":1290.665,"end":1295.485,"sentiment":"positive","sentiment_score":0.5432387448492504},{"text":"And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes.","start":1295.865,"end":1306.9,"sentiment":"neutral","sentiment_score":0.1016392288087257}],"sentiment":"neutral","sentiment_score":0.2060193735016312,"num_words":94,"start":1271.4651,"end":1306.9},{"sentences":[{"text":"We obviously don't day trade your superannuation.","start":1307.36,"end":1309.7001,"sentiment":"neutral","sentiment_score":-0.0807758771947452},{"text":"It is your long term investment.","start":1310.0801,"end":1311.9401,"sentiment":"neutral","sentiment_score":0.16604597556094328},{"text":"But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out.","start":1312.4801,"end":1323.125,"sentiment":"neutral","sentiment_score":-0.024647632520645855},{"text":"Does that make sense?","start":1323.125,"end":1324.265,"sentiment":"neutral","sentiment_score":0.03745785215869546},{"text":"Yeah.","start":1324.885,"end":1325.285,"sentiment":"neutral","sentiment_score":0.20507189631462097}],"sentiment":"neutral","sentiment_score":-0.0034509876357584164,"num_words":58,"start":1307.36,"end":1325.285},{"sentences":[{"text":"Perfect.","start":1325.285,"end":1325.785,"sentiment":"positive","sentiment_score":0.5310384631156921},{"text":"So for both of you, there is one investment that I would like to do.","start":1326.165,"end":1329.525,"sentiment":"neutral","sentiment_score":0.2195722222328186},{"text":"Just a little bit more research and see if we want to swap out, which is the top one, which is called your Benelong Australian equity fund.","start":1329.525,"end":1338.94,"sentiment":"neutral","sentiment_score":0.1731576731911412},{"text":"Can you see that one?","start":1339.08,"end":1340.46,"sentiment":"neutral","sentiment_score":0.09326389878988266},{"text":"Yeah.","start":1342.2,"end":1342.6799,"sentiment":"neutral","sentiment_score":0.15838894248008728}],"sentiment":"neutral","sentiment_score":0.18621606957547518,"num_words":49,"start":1325.285,"end":1342.6799},{"sentences":[{"text":"Perfect.","start":1342.6799,"end":1343.1799,"sentiment":"positive","sentiment_score":0.3370150327682495},{"text":"So for both of you, that one is, like, your managed fund.","start":1343.32,"end":1346.395,"sentiment":"neutral","sentiment_score":0.2167049286266168},{"text":"So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently.","start":1346.395,"end":1353.455,"sentiment":"neutral","sentiment_score":0.24998215703587784},{"text":"They have done really well in doing so, but more recently, they've been a little bit slower in making their choices.","start":1354.155,"end":1361.1,"sentiment":"neutral","sentiment_score":-0.07062314024993352},{"text":"And one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group.","start":1362.04,"end":1374.135,"sentiment":"neutral","sentiment_score":-0.0952403189566655}],"sentiment":"neutral","sentiment_score":0.027061704080551863,"num_words":92,"start":1342.6799,"end":1374.135},{"sentences":[{"text":"Have either of you heard of that?","start":1374.615,"end":1376.3151,"sentiment":"neutral","sentiment_score":-0.026532834927950586},{"text":"No.","start":1378.535,"end":1378.935,"sentiment":"neutral","sentiment_score":-0.21124158799648285},{"text":"Essentially, what happened is that that company had a bit of issues with their reporting, which actually caused them to be suspended from trading.","start":1378.935,"end":1387.1951,"sentiment":"neutral","sentiment_score":-0.2659297976642847},{"text":"So because of that, obviously, things fell a little bit.","start":1387.8151,"end":1390.71,"sentiment":"neutral","sentiment_score":-0.2586486369371414},{"text":"The good thing is that you guys are not invested directly in corporate travel group.","start":1390.71,"end":1394.15,"sentiment":"neutral","sentiment_score":0.20300246328115462}],"sentiment":"neutral","sentiment_score":-0.11089010520331692,"num_words":57,"start":1374.615,"end":1394.15},{"sentences":[{"text":"You just invested in Fenele, and we can switch switch you out of that, which is very easy.","start":1394.15,"end":1398.87,"sentiment":"neutral","sentiment_score":0.3028560057282448},{"text":"So if you guys are happy for me to do so after the call today, I would like to go and do just a little bit more in-depth research and see if we have a better come option that we can swap that one out for you.","start":1398.87,"end":1410.585,"sentiment":"neutral","sentiment_score":0.267029012137271},{"text":"I will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do so.","start":1410.725,"end":1419.5,"sentiment":"positive","sentiment_score":0.3340962075051807},{"text":"Yep.","start":1420.6799,"end":1421.1799,"sentiment":"neutral","sentiment_score":0.16016176342964172},{"text":"Great.","start":1421.24,"end":1421.74,"sentiment":"positive","sentiment_score":0.5240706205368042}],"sentiment":"neutral","sentiment_score":0.30016554837379983,"num_words":109,"start":1394.15,"end":1421.74},{"sentences":[{"text":"Perfect.","start":1421.88,"end":1422.38,"sentiment":"positive","sentiment_score":0.46549537777900696},{"text":"Now before I move on to Ellie's performance, do you have any questions for me, James?","start":1422.6799,"end":1427.6599,"sentiment":"neutral","sentiment_score":0.11136412853375077},{"text":"Yeah.","start":1432.12,"end":1432.365,"sentiment":"neutral","sentiment_score":0.046174436807632446},{"text":"Yes.","start":1432.365,"end":1432.865,"sentiment":"neutral","sentiment_score":0.026222512125968933},{"text":"Yes.","start":1439.405,"end":1439.905,"sentiment":"positive","sentiment_score":0.414843887090683}],"sentiment":"neutral","sentiment_score":0.13672811351716518,"num_words":20,"start":1421.88,"end":1439.905},{"sentences":[{"text":"Yeah.","start":1441.725,"end":1442.125,"sentiment":"positive","sentiment_score":0.5864763259887695},{"text":"And we're quite happy with that as well, especially what what has happened in the market.","start":1442.125,"end":1445.965,"sentiment":"positive","sentiment_score":0.6586925275623798},{"text":"And, again, this is all net off fees as well to show you.","start":1445.965,"end":1449.5499,"sentiment":"neutral","sentiment_score":0.19482502112021813},{"text":"So quite happy with that.","start":1449.5499,"end":1452.21,"sentiment":"positive","sentiment_score":0.6866292476654052},{"text":"And, yeah, the good thing is that because we are taking that kind of active approach and you guys have us on board, it's just just part of the service for us to continuously research things as things are changing.","start":1452.59,"end":1462.37,"sentiment":"positive","sentiment_score":0.39853792265057564}],"sentiment":"positive","sentiment_score":0.44043926914532977,"num_words":75,"start":1441.725,"end":1462.37},{"sentences":[{"text":"Things will always change.","start":1462.59,"end":1463.595,"sentiment":"neutral","sentiment_score":0.23372861742973328},{"text":"But we do wanna make sure we always stay on top of that for you.","start":1463.755,"end":1466.975,"sentiment":"neutral","sentiment_score":0.28761174182097116},{"text":"Now next document, same one for you, Ellie.","start":1468.235,"end":1472.075,"sentiment":"neutral","sentiment_score":0.039361308328807354},{"text":"Can you see that okay?","start":1472.075,"end":1473.2949,"sentiment":"neutral","sentiment_score":0.044834437966346743},{"text":"Yep.","start":1473.515,"end":1473.9149,"sentiment":"neutral","sentiment_score":0.14338305592536926}],"sentiment":"neutral","sentiment_score":0.17974352452791098,"num_words":33,"start":1462.59,"end":1473.9149},{"sentences":[{"text":"Perfect.","start":1473.9149,"end":1474.4149,"sentiment":"neutral","sentiment_score":0.2902146577835083},{"text":"So kind of, obviously, the same portfolio.","start":1475.275,"end":1477.2949,"sentiment":"neutral","sentiment_score":0.08826383416141782},{"text":"Obviously, because you have different, like, investments sorry.","start":1478.87,"end":1481.51,"sentiment":"neutral","sentiment_score":0.04910586145706475},{"text":"Because you have different insurances and stuff, obviously, the fees that comes out is slightly different.","start":1481.51,"end":1486.4099,"sentiment":"neutral","sentiment_score":0.03822401852812618},{"text":"But for you over the same period of time, so, again, August 2025 to the 08/10/2026, the same period of time, your portfolio has gone up by 7.52%.","start":1486.63,"end":1501.095,"sentiment":"neutral","sentiment_score":0.18560884493802274}],"sentiment":"neutral","sentiment_score":0.11849233905474345,"num_words":60,"start":1473.9149,"end":1501.095},{"sentences":[{"text":"So, again, pretty close.","start":1501.475,"end":1503.075,"sentiment":"neutral","sentiment_score":0.2308833748102188},{"text":"And from a dollar value, that is 17,303.","start":1503.075,"end":1507.89,"sentiment":"neutral","sentiment_score":0.12178177386522293},{"text":"Again, just from your investments, not factoring in any contribution.","start":1508.0299,"end":1511.4099,"sentiment":"neutral","sentiment_score":0.07288274466991425},{"text":"Yep.","start":1512.51,"end":1513.01,"sentiment":"neutral","sentiment_score":0.13213180005550385},{"text":"Perfect.","start":1513.07,"end":1513.57,"sentiment":"neutral","sentiment_score":0.25980597734451294}],"sentiment":"neutral","sentiment_score":0.12577303809424242,"num_words":24,"start":1501.475,"end":1513.57},{"sentences":[{"text":"Now if you can click on the next document for me, you should see that Vanguard index chart again.","start":1514.19,"end":1522.145,"sentiment":"neutral","sentiment_score":0.07197834198412142},{"text":"Yep.","start":1522.145,"end":1522.645,"sentiment":"neutral","sentiment_score":0.02312217280268669},{"text":"Do you guys remember going through this last time?","start":1523.985,"end":1527.045,"sentiment":"neutral","sentiment_score":0.009483607796331247},{"text":"No.","start":1530.7051,"end":1531.2051,"sentiment":"neutral","sentiment_score":-0.03448024392127991},{"text":"No.","start":1531.905,"end":1532.2251,"sentiment":"neutral","sentiment_score":-0.011161444708704948}],"sentiment":"neutral","sentiment_score":0.046142627485096455,"num_words":31,"start":1514.19,"end":1532.2251},{"sentences":[{"text":"That's it was a little while ago.","start":1532.2251,"end":1533.765,"sentiment":"neutral","sentiment_score":0.03865236682551248},{"text":"It's all good.","start":1534.2251,"end":1535.4,"sentiment":"neutral","sentiment_score":0.2945430974165599},{"text":"Basically, Vanguard, they do they do publish on every single year.","start":1535.64,"end":1539.48,"sentiment":"neutral","sentiment_score":0.09749037298289212},{"text":"So you will the next one will be reduced released on the August 18.","start":1539.48,"end":1544.2001,"sentiment":"neutral","sentiment_score":0.06535353085824422},{"text":"So kind of at the end of each financial year, they update it, which is good.","start":1544.2001,"end":1547.415,"sentiment":"neutral","sentiment_score":0.19858627486974}],"sentiment":"neutral","sentiment_score":0.12390038809355568,"num_words":51,"start":1532.2251,"end":1547.415},{"sentences":[{"text":"Basically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market.","start":1547.9751,"end":1555.5951,"sentiment":"neutral","sentiment_score":0.1762351534432835},{"text":"This kind of shows you everything historically as well.","start":1555.9751,"end":1558.535,"sentiment":"neutral","sentiment_score":0.09833661797973844},{"text":"So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then it takes it to 2025.","start":1558.535,"end":1570.22,"sentiment":"neutral","sentiment_score":-0.02398859454052789},{"text":"So you can see that, obviously, that our long term market always goes up.","start":1571.1599,"end":1576.4651,"sentiment":"neutral","sentiment_score":0.014482399714844567},{"text":"The short term, that will be some of those ups and downs and market fluctuation.","start":1576.4651,"end":1580.405,"sentiment":"neutral","sentiment_score":-0.09913715521494547}],"sentiment":"neutral","sentiment_score":0.03519474163651466,"num_words":100,"start":1547.9751,"end":1580.405},{"sentences":[{"text":"And that is also why the time frame until retirement does become important because the closer you get to retirement, the less time you have for these fluctuations to come back around.","start":1581.3451,"end":1593.78,"sentiment":"neutral","sentiment_score":0.022191934287548065},{"text":"But for the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs.","start":1594.0801,"end":1601.86,"sentiment":"neutral","sentiment_score":0.1787126337123268},{"text":"Now on the right side, you can also see the different asset classes broken down.","start":1602.48,"end":1607.6649,"sentiment":"neutral","sentiment_score":0.13287909030914308},{"text":"So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four.","start":1607.6649,"end":1616.245,"sentiment":"neutral","sentiment_score":0.1150709410076556},{"text":"So you have your US shares, which is, like, your light green line there.","start":1616.3049,"end":1620.99,"sentiment":"neutral","sentiment_score":0.08701205093945776}],"sentiment":"neutral","sentiment_score":0.10715557757954476,"num_words":118,"start":1581.3451,"end":1620.99},{"sentences":[{"text":"You have your Australian shares, which is, like, your your darker green.","start":1620.99,"end":1625.17,"sentiment":"neutral","sentiment_score":0.0908350342263778},{"text":"You have international shares, which is, like, your yellow, and then you have property as well, which is, like, that maroon So all of these four, you can see grow the most, but also fluctuate the most.","start":1625.79,"end":1637.775,"sentiment":"neutral","sentiment_score":0.08838997398679321},{"text":"And then you do have 20% in your defensive, which is like your bottom three, which you can see a little bit more obviously, quite a lot more stable, but they don't grow as much either.","start":1638.875,"end":1648.73,"sentiment":"neutral","sentiment_score":0.07724353898730543},{"text":"Does that all make sense?","start":1649.51,"end":1650.8099,"sentiment":"neutral","sentiment_score":0.11178437024354934},{"text":"Yep.","start":1651.99,"end":1652.3099,"sentiment":"neutral","sentiment_score":0.2865867614746094}],"sentiment":"neutral","sentiment_score":0.08776621389520037,"num_words":91,"start":1620.99,"end":1652.3099},{"sentences":[{"text":"Beautiful.","start":1652.3099,"end":1652.8099,"sentiment":"positive","sentiment_score":0.6537892818450928},{"text":"Now the next two documents should just be your MetLife insurance certificate of currency, so one for each of you.","start":1653.35,"end":1661.69,"sentiment":"neutral","sentiment_score":0.22904008030891418},{"text":"It just breaks down your insurances in a bit more detail, but, basically, just lets you know that's all paid and up to date.","start":1662.045,"end":1669.185,"sentiment":"neutral","sentiment_score":0.17548997265597185},{"text":"Yep.","start":1671.0851,"end":1671.5851,"sentiment":"neutral","sentiment_score":0.18504856526851657},{"text":"Perfect.","start":1671.7251,"end":1672.2251,"sentiment":"positive","sentiment_score":0.5835846662521362}],"sentiment":"neutral","sentiment_score":0.21734007368696498,"num_words":47,"start":1652.3099,"end":1672.2251},{"sentences":[{"text":"Now after that, it should take you to the Oakview services guide.","start":1672.765,"end":1677.58,"sentiment":"neutral","sentiment_score":0.20489180212219557},{"text":"Let me know if you can see that.","start":1678.76,"end":1680.04,"sentiment":"neutral","sentiment_score":0.11189488880336285},{"text":"Yeah.","start":1680.04,"end":1680.36,"sentiment":"neutral","sentiment_score":0.2427446097135544},{"text":"Perfect.","start":1680.36,"end":1680.86,"sentiment":"neutral","sentiment_score":0.05091261118650437},{"text":"So, again, you guys would have seen this when you first came in through the office, and we did the initial consultation, obviously, going through everything with you.","start":1681.16,"end":1690.675,"sentiment":"neutral","sentiment_score":0.08753945758300168}],"sentiment":"neutral","sentiment_score":0.1219724553823471,"num_words":50,"start":1672.765,"end":1690.675},{"sentences":[{"text":"None of the important information has changed.","start":1690.975,"end":1693.775,"sentiment":"neutral","sentiment_score":-0.013669916561671666},{"text":"It's all kind of the same, but we've had a bit of an update to marketing, which is nice, and a bit of an extension to the team.","start":1693.775,"end":1700.755,"sentiment":"positive","sentiment_score":0.4084422327578068},{"text":"No other major changes otherwise.","start":1700.975,"end":1703.155,"sentiment":"neutral","sentiment_score":-0.015091520547866822},{"text":"If you do wanna put a face to the voice again, if you don't remember, if you wanna scroll down through page 10, you can see myself there again if you do wanna put put a face to the voice.","start":1703.94,"end":1716.375,"sentiment":"neutral","sentiment_score":0.06451753387227654},{"text":"Yep.","start":1717.475,"end":1717.975,"sentiment":"neutral","sentiment_score":0.10852622985839844}],"sentiment":"neutral","sentiment_score":0.17227732201601254,"num_words":81,"start":1690.975,"end":1717.975},{"sentences":[{"text":"Beautiful.","start":1718.195,"end":1718.695,"sentiment":"positive","sentiment_score":0.6153098344802856},{"text":"Any questions so far?","start":1720.4349,"end":1721.7949,"sentiment":"neutral","sentiment_score":0.2821029946208},{"text":"It's all pretty straightforward.","start":1721.7949,"end":1723.255,"sentiment":"neutral","sentiment_score":0.1551518812775612},{"text":"No.","start":1723.715,"end":1724.195,"sentiment":"neutral","sentiment_score":0.045860547572374344},{"text":"Great.","start":1724.195,"end":1724.695,"sentiment":"positive","sentiment_score":0.6914237141609192}],"sentiment":"neutral","sentiment_score":0.2819648727097295,"num_words":11,"start":1718.195,"end":1724.695},{"sentences":[{"text":"Yep.","start":1725.315,"end":1725.815,"sentiment":"neutral","sentiment_score":0.14341504871845245},{"text":"Now the next document after that one, what's that one that you can see?","start":1726.115,"end":1730.4701,"sentiment":"neutral","sentiment_score":0.030324217597288743},{"text":"Yep.","start":1736.6101,"end":1737.1101,"sentiment":"neutral","sentiment_score":0.0568036288022995},{"text":"So there will be one after each other.","start":1737.25,"end":1740.2101,"sentiment":"neutral","sentiment_score":0.041477208491414785},{"text":"So this is one for each of you.","start":1740.2101,"end":1741.605,"sentiment":"neutral","sentiment_score":0.08341615367680788}],"sentiment":"neutral","sentiment_score":0.05074701941339299,"num_words":32,"start":1725.315,"end":1741.605},{"sentences":[{"text":"So James, yours will be first, and then Ellie, yours will be second.","start":1741.605,"end":1744.825,"sentiment":"neutral","sentiment_score":0.08160436296692261},{"text":"There is no changes whatsoever in regards to the fee structure because you guys are on that couple reduced fee.","start":1745.6849,"end":1752.905,"sentiment":"neutral","sentiment_score":0.06845690328627825},{"text":"So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that.","start":1753.045,"end":1760.24,"sentiment":"neutral","sentiment_score":0.10777840281234068},{"text":"And like I mentioned last time, it is also not a lock in contract.","start":1760.86,"end":1764.64,"sentiment":"neutral","sentiment_score":0.02979974595031568},{"text":"So if at any point in time you guys are not happy, it is not a lock in contract.","start":1764.7001,"end":1770.015,"sentiment":"neutral","sentiment_score":-0.051620749070456155}],"sentiment":"neutral","sentiment_score":0.04456180533820606,"num_words":83,"start":1741.605,"end":1770.015},{"sentences":[{"text":"But otherwise, by signing this document, it just allows us to manage all your investments, insurances, and super and everything for you in the meantime.","start":1770.3151,"end":1778.255,"sentiment":"neutral","sentiment_score":0.2681566840410233},{"text":"Yep.","start":1780.4751,"end":1780.9751,"sentiment":"neutral","sentiment_score":0.1261840462684631},{"text":"So if you guys are happy to do so, it will ask for a little signature for for both of you for that one.","start":1781.3551,"end":1789.34,"sentiment":"neutral","sentiment_score":0.14125419314950705},{"text":"And then there should be a last document, which should say option to provide tax on number.","start":1789.5599,"end":1796.735,"sentiment":"neutral","sentiment_score":0.07424123168868177},{"text":"Yes.","start":1801.275,"end":1801.675,"sentiment":"neutral","sentiment_score":0.06938828527927399}],"sentiment":"neutral","sentiment_score":0.16987780892454526,"num_words":68,"start":1770.3151,"end":1801.675},{"sentences":[{"text":"So you should say start sign now.","start":1801.675,"end":1805.995,"sentiment":"neutral","sentiment_score":0.05433510350329535},{"text":"There should be, like, a little box for you to click on.","start":1805.995,"end":1809.12,"sentiment":"neutral","sentiment_score":0.0762941859041651},{"text":"So if you if you click on the box, it doesn't like, if you click on it, it doesn't bring up, like, a little a box for you to scribble on.","start":1815.04,"end":1828.735,"sentiment":"neutral","sentiment_score":-0.11218678273801361},{"text":"It should still work on your phone.","start":1828.735,"end":1830.835,"sentiment":"neutral","sentiment_score":0.036838747294885774},{"text":"Yes.","start":1836.575,"end":1837.05,"sentiment":"neutral","sentiment_score":0.02538057044148445}],"sentiment":"neutral","sentiment_score":-0.03273556048275325,"num_words":58,"start":1801.675,"end":1837.05},{"sentences":[{"text":"Okay.","start":1842.65,"end":1842.9701,"sentiment":"neutral","sentiment_score":0.08552137762308121},{"text":"Perfect.","start":1842.9701,"end":1843.4701,"sentiment":"positive","sentiment_score":0.34602171182632446},{"text":"Yes.","start":1846.65,"end":1846.9701,"sentiment":"neutral","sentiment_score":0.10565999895334244},{"text":"Because if you obviously, on your email, Ellie, it will just ask you to sign your spot.","start":1846.9701,"end":1851.55,"sentiment":"neutral","sentiment_score":0.11677925463984995},{"text":"That's why you have three emails.","start":1851.6649,"end":1853.105,"sentiment":"neutral","sentiment_score":0.07111259798208873}],"sentiment":"neutral","sentiment_score":0.11342792327587421,"num_words":26,"start":1842.65,"end":1853.105},{"sentences":[{"text":"So then to James, it will be the same for you to go into yours, and he will just ask you to sign your 02/02 documents.","start":1853.105,"end":1858.565,"sentiment":"neutral","sentiment_score":0.05001385746380457},{"text":"Yep.","start":1858.945,"end":1859.445,"sentiment":"neutral","sentiment_score":0.07391852140426636},{"text":"Yes.","start":1863.4249,"end":1863.6,"sentiment":"neutral","sentiment_score":0.04737285524606705},{"text":"Which is crazy already.","start":1864.7999,"end":1866.02,"sentiment":"neutral","sentiment_score":0.09610985405743122},{"text":"I'm so ready.","start":1866.5599,"end":1867.5399,"sentiment":"neutral","sentiment_score":0.30417415499687195}],"sentiment":"neutral","sentiment_score":0.07767467291227409,"num_words":35,"start":1853.105,"end":1867.5399},{"sentences":[{"text":"August.","start":1867.6,"end":1868.1,"sentiment":"neutral","sentiment_score":0.10708015412092207},{"text":"Yeah.","start":1873.44,"end":1873.9199,"sentiment":"neutral","sentiment_score":0.24123477935791016},{"text":"Perfect.","start":1873.9199,"end":1874.4199,"sentiment":"positive","sentiment_score":0.35387909412384033},{"text":"Now the next document should say option to provide tax phone number.","start":1874.64,"end":1878.1,"sentiment":"neutral","sentiment_score":0.1328670804699262},{"text":"Yeah.","start":1878.7999,"end":1879.2999,"sentiment":"neutral","sentiment_score":0.19529777765274048}],"sentiment":"neutral","sentiment_score":0.15574354818090796,"num_words":16,"start":1867.6,"end":1879.2999},{"sentences":[{"text":"Perfect.","start":1879.4149,"end":1879.815,"sentiment":"positive","sentiment_score":0.3699982166290283},{"text":"Now this document here is just a compliance form, but, basically, it just tells you that we are keeping your tax phone number secure and safe on file.","start":1879.815,"end":1887.195,"sentiment":"neutral","sentiment_score":0.27035483132515636},{"text":"And, again, it will just ask for a signature on that one if you're happy to do so.","start":1889.095,"end":1894.11,"sentiment":"neutral","sentiment_score":0.15354137826297018},{"text":"Perfect.","start":1895.93,"end":1896.43,"sentiment":"neutral","sentiment_score":0.20679013431072235},{"text":"That's okay.","start":1900.17,"end":1900.73,"sentiment":"neutral","sentiment_score":-0.10128837078809738}],"sentiment":"neutral","sentiment_score":0.21415783390402793,"num_words":50,"start":1879.4149,"end":1900.73},{"sentences":[{"text":"Take your time.","start":1900.73,"end":1901.63,"sentiment":"negative","sentiment_score":-0.3653971552848816},{"text":"Sometimes with technology.","start":1902.25,"end":1903.39,"sentiment":"neutral","sentiment_score":-0.3034474849700928},{"text":"Yeah.","start":1908.365,"end":1908.685,"sentiment":"neutral","sentiment_score":-0.039731692522764206},{"text":"Sure.","start":1908.685,"end":1909.185,"sentiment":"neutral","sentiment_score":0.002285039983689785},{"text":"And did you get the email okay, James?","start":1910.6051,"end":1912.625,"sentiment":"neutral","sentiment_score":0.00795377348549664}],"sentiment":"neutral","sentiment_score":-0.12377189908875152,"num_words":16,"start":1900.73,"end":1912.625},{"sentences":[{"text":"Perfect.","start":1916.4451,"end":1916.9451,"sentiment":"neutral","sentiment_score":0.16988518834114075},{"text":"No.","start":1951.72,"end":1951.96,"sentiment":"neutral","sentiment_score":-0.05566011741757393},{"text":"That's okay.","start":1951.96,"end":1952.78,"sentiment":"neutral","sentiment_score":-0.015479684807360172},{"text":"Does it does it say valid yeah.","start":1956.695,"end":1960.0549,"sentiment":"neutral","sentiment_score":0.16647968015500478},{"text":"So it should just be the true.","start":1960.0549,"end":1961.095,"sentiment":"neutral","sentiment_score":0.13943813954080855}],"sentiment":"neutral","sentiment_score":0.12359391328775221,"num_words":18,"start":1916.4451,"end":1961.095},{"sentences":[{"text":"And once you've added true, it should say at the bottom, I believe, validate.","start":1961.095,"end":1965.755,"sentiment":"neutral","sentiment_score":0.12288389727473259},{"text":"Yeah.","start":1967.655,"end":1968.155,"sentiment":"neutral","sentiment_score":0.10330665111541748},{"text":"Yes.","start":1969.095,"end":1969.47,"sentiment":"neutral","sentiment_score":0.12861326336860657},{"text":"Perfect.","start":1970.11,"end":1970.59,"sentiment":"positive","sentiment_score":0.7263879776000977},{"text":"So that means you've sent through, which is great.","start":1970.59,"end":1973.07,"sentiment":"positive","sentiment_score":0.46877994471126133}],"sentiment":"neutral","sentiment_score":0.2652962290896819,"num_words":26,"start":1961.095,"end":1973.07},{"sentences":[{"text":"You won't come through to me until you're both signed, but then as soon as that's yeah.","start":1973.07,"end":1980.53,"sentiment":"neutral","sentiment_score":0.1340063288807869},{"text":"That's okay.","start":2008.065,"end":2012.565,"sentiment":"neutral","sentiment_score":0.03067249432206154},{"text":"Sometimes That's very exciting.","start":2016.625,"end":2023.78,"sentiment":"neutral","sentiment_score":0.28290130384266376},{"text":"While I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments.","start":2026.32,"end":2035.445,"sentiment":"neutral","sentiment_score":0.09661728247172302},{"text":"Mhmm.","start":2036.465,"end":2036.7849,"sentiment":"neutral","sentiment_score":0.008484365418553352}],"sentiment":"neutral","sentiment_score":0.11596273882314563,"num_words":60,"start":1973.07,"end":2036.7849},{"sentences":[{"text":"So it will take me probably about a week to put it together.","start":2036.7849,"end":2040.885,"sentiment":"neutral","sentiment_score":0.015988788925684415},{"text":"When is a best time for you guys to do that to go through that together?","start":2041.9049,"end":2047.02,"sentiment":"neutral","sentiment_score":0.06203526817262173},{"text":"Yep.","start":2059.42,"end":2059.74,"sentiment":"neutral","sentiment_score":0.020049769431352615},{"text":"Let me have a look.","start":2059.74,"end":2063.5652,"sentiment":"neutral","sentiment_score":0.002700433786958456},{"text":"I can't do next Tuesday.","start":2063.7852,"end":2065.885,"sentiment":"neutral","sentiment_score":-0.09757513850927353}],"sentiment":"neutral","sentiment_score":0.018652369815390556,"num_words":40,"start":2036.7849,"end":2065.885},{"sentences":[{"text":"I could do next Wednesday, the nineteenth, or the following Tuesday, which is the twenty fifth.","start":2066.1052,"end":2071.965,"sentiment":"neutral","sentiment_score":-0.03310469596181065},{"text":"Yep.","start":2074.905,"end":2075.405,"sentiment":"neutral","sentiment_score":0.02826553210616112},{"text":"Yep.","start":2075.465,"end":2075.945,"sentiment":"neutral","sentiment_score":0.05896855890750885},{"text":"That works for you as well, James?","start":2075.945,"end":2078.8,"sentiment":"neutral","sentiment_score":0.13068011615957534},{"text":"Yep.","start":2078.8,"end":2079.1199,"sentiment":"neutral","sentiment_score":0.05991233512759209}],"sentiment":"neutral","sentiment_score":0.020470465533435345,"num_words":26,"start":2066.1052,"end":2079.1199},{"sentences":[{"text":"Okay.","start":2079.1199,"end":2079.52,"sentiment":"neutral","sentiment_score":0.2006524503231049},{"text":"Perfect.","start":2079.52,"end":2080.02,"sentiment":"positive","sentiment_score":0.49413561820983887},{"text":"So I will book that in at 4PM for both of you to run through the research on your investments.","start":2080.4,"end":2090.805,"sentiment":"neutral","sentiment_score":0.2784711256623268},{"text":"If anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen.","start":2092.465,"end":2103.74,"sentiment":"neutral","sentiment_score":0.08875673811417073},{"text":"Now while I do have you guys on the phone as well, I do wanna just let you know that I will be heading on maternity leave quite soon.","start":2104.92,"end":2115.135,"sentiment":"neutral","sentiment_score":0.15971986435610672}],"sentiment":"neutral","sentiment_score":0.16549761768385587,"num_words":83,"start":2079.1199,"end":2115.135},{"sentences":[{"text":"So thank you very much.","start":2116.495,"end":2118.995,"sentiment":"positive","sentiment_score":0.6358235597610473},{"text":"So you will have me until the September 10, and then I will send over to my colleague, Jenna.","start":2120.015,"end":2127.295,"sentiment":"neutral","sentiment_score":0.12012203155379546},{"text":"I will send you both an email, though, like an official kind of handover with all her contact details and everything like that.","start":2127.295,"end":2134.62,"sentiment":"neutral","sentiment_score":0.14324099440937457},{"text":"If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway.","start":2134.62,"end":2141.6,"sentiment":"neutral","sentiment_score":0.14706004690378904},{"text":"And I'll do kind of just a bit of a hands over on everything for for both of you.","start":2142.22,"end":2146.395,"sentiment":"neutral","sentiment_score":0.1696106191528471}],"sentiment":"neutral","sentiment_score":0.17231135732597774,"num_words":90,"start":2116.495,"end":2146.395},{"sentences":[{"text":"I will be gone for about twelve months or so, but you'll be in very good, capable hands.","start":2146.455,"end":2151.895,"sentiment":"neutral","sentiment_score":0.12372310583790143},{"text":"And I just wanted to let you both know as well if you do call up, but I'm not here so that you know who's still looking after you in the meantime.","start":2151.895,"end":2158.83,"sentiment":"neutral","sentiment_score":0.11624650238081813},{"text":"Time.","start":2158.83,"end":2159.33,"sentiment":"neutral","sentiment_score":0.03138832747936249},{"text":"Exactly.","start":2159.9502,"end":2160.4502,"sentiment":"neutral","sentiment_score":0.06436003744602203},{"text":"I am.","start":2164.75,"end":2165.31,"sentiment":"neutral","sentiment_score":0.007899831980466843}],"sentiment":"neutral","sentiment_score":0.112193555743606,"num_words":54,"start":2146.455,"end":2165.31},{"sentences":[{"text":"I'm having a little girl.","start":2165.31,"end":2166.6902,"sentiment":"neutral","sentiment_score":0.04538217075169086},{"text":"Oh, yeah.","start":2168.75,"end":2169.31,"sentiment":"neutral","sentiment_score":0.11614471673965454},{"text":"So it's the it's our first one and the first grandchild on both sides.","start":2169.31,"end":2173.815,"sentiment":"neutral","sentiment_score":0.15141573388661658},{"text":"So I'm sure you guys can imagine.","start":2173.815,"end":2175.7551,"sentiment":"neutral","sentiment_score":0.08642069569655828},{"text":"It's a lot.","start":2177.2551,"end":2178.075,"sentiment":"neutral","sentiment_score":0.05512276043494543}],"sentiment":"neutral","sentiment_score":0.10804302299455289,"num_words":31,"start":2165.31,"end":2178.075},{"sentences":[{"text":"A lot of excitement.","start":2178.215,"end":2179.195,"sentiment":"neutral","sentiment_score":0.09104209765791893},{"text":"Yeah.","start":2181.175,"end":2181.495,"sentiment":"neutral","sentiment_score":0.10107919573783876},{"text":"So soon I'll know the whole gremlin situation situation as well.","start":2181.495,"end":2185.835,"sentiment":"neutral","sentiment_score":0.07529108700427142},{"text":"But, yeah, very exciting.","start":2186.52,"end":2188.06,"sentiment":"neutral","sentiment_score":0.3224464952945709},{"text":"So, yeah, wanted to let you both know, but, obviously, we've run through the research and everything in two weeks' time.","start":2188.28,"end":2194.54,"sentiment":"neutral","sentiment_score":0.05188973585054988}],"sentiment":"neutral","sentiment_score":0.08958341408430076,"num_words":41,"start":2178.215,"end":2194.54},{"sentences":[{"text":"But if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time.","start":2194.76,"end":2204.265,"sentiment":"neutral","sentiment_score":0.07553904033020924},{"text":"But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit closer as well.","start":2204.565,"end":2212.5898,"sentiment":"neutral","sentiment_score":0.11830689803217397},{"text":"Yeah.","start":2214.0898,"end":2214.5898,"sentiment":"positive","sentiment_score":0.5527487993240356},{"text":"No problem at all.","start":2215.13,"end":2216.01,"sentiment":"positive","sentiment_score":0.6623035669326782},{"text":"Well, I will let you guys go, and enjoy the rest of your afternoon.","start":2216.01,"end":2218.8098,"sentiment":"positive","sentiment_score":0.7561710136277335}],"sentiment":"neutral","sentiment_score":0.22847742694947454,"num_words":90,"start":2194.76,"end":2218.8098},{"sentences":[{"text":"And I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM.","start":2218.8098,"end":2223.95,"sentiment":"positive","sentiment_score":0.6434305790397856},{"text":"No worries at all.","start":2226.0898,"end":2226.89,"sentiment":"positive","sentiment_score":0.4485749453306198},{"text":"We're fixing.","start":2226.89,"end":2229.199,"sentiment":"positive","sentiment_score":0.42478227615356445},{"text":"Okay.","start":2229.259,"end":2229.759,"sentiment":"neutral","sentiment_score":0.27121850848197937},{"text":"Bye.","start":2229.8188,"end":2230.3188,"sentiment":"neutral","sentiment_score":0.2658098340034485}],"sentiment":"positive","sentiment_score":0.5677939653396606,"num_words":26,"start":2218.8098,"end":2230.3188}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. Jamie speaking. I just spoke a while ago. Who am I supposed to? Yeah. Very good. Yourself? I'm just gonna pop you on speaker phone so that Ellie and I can both hear you. Hang on a second. Here we go. Can you hear me? Hi. Yep. Definitely can. Yes, please. Yes. Yep. James Halbertson, 14th Of 3rd 1984, Head Sutton Court, Parkwood. 4214. Don't know if you know cover that. I have the same address, and then my date of birth is the sixteenth of the eleventh nineteen eighty eight. Busy. Busy, but yeah. Yeah. I think an update so I think when we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom? And, obviously, with the market and interest rates and the fact that we're at the time, we're at the time, we were kinda like, oh, it's a bit risky. No. I'm happy we didn't. Where Ellie still wants to do point six working. And with all of that, we're happy not to be pursuing any of that at this stage. So I I think, really, it is just a case of checking in on what I I think, really, like, we're just happy to You can't do it. Having you guys manage our, like, super and that kind of stuff, and then that's really it at the moment. Perfect. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. Yes. That that seems to be alright. Yeah. Yeah. That's that's fine. Yep. Yes. 1.3. Yep. That sounds about right. I think it's 4.3, and I was like, what? Yeah. The down a bit since then, but not that far. Yeah. Can you I'll respond to the bank. Oh, no. No. We have one a new one of those. Probably 30? 40. 40? That tells you how much time. Right? Yeah. 40. Actually, 45. Actually, forty five. Yep. Okay. So do we add that number to that, or is it you tell them? Yeah. You add that to it or just Yeah. So about 520 Sorry. 2,000 on the house. Mhmm. No. It's owned outright. Yeah. Yeah. Probably A little bit less. $20.22 20. Yep. Correct. That's correct. Yes. Yes. The amount owing on it Could be less than that. I can do a very quick check. It's going to be one moment. I have a terrible app that's really not helpful. Okay. Yeah. Probably update probably about that because, like, we bought our you know, it's our thing in our home loan one. It's, like, $16. Is that Canvas savings in this? Or is that Sorry. I've been done not listening to what you thought. Think how much is what I have in savings? Well, nothing. So at the moment, we have Like, everything's So that of that 520, we said, owing on the loan, we have about 6 16 or 17? 16 or almost 17. $17 of that available, which is our savings, essentially. So we have like, all of our savings are sitting on the line. Yes. No. It's a a razor roll. Correct. Yes. Yes. So the the value vehicle value for FBT is 67,000. The residual amount is 20,000, but that's August 2028. So yeah. The residual amount, 20,000 for '20 '20, that the year 2028. Yep. No. That no. That's that's it. No. No no meds or injuries. Boring your meds is good. Yeah. Yeah. Yes. Yes. They got it. Yep. Yes. We have it through the Queensland Trust, whatever it is. But yes. No. Because we had to make a separate appointment for that one, and we didn't. No. Yeah. Yeah. Now we're done. Yeah. That was Yeah. Yeah. That was pretty much the the thing that we Yeah. Now I have two kids in ahead. We probably should probably be grown up to that. So it's Yeah. Yeah. Yep. Yes. No. Correct. No. No. That that's all the time. Yeah. We don't do that painting clinics at least three or so years. Yep. Okay. Yep. Yep. Sure. No. No. Yes. That would be a great dog. Yep. High to moderate. Yeah. That's what I was looking for. So well done. You hold on. I'll probably do the neutral choice. Let me Yes. I've got no idea. What are you guys telling me? Okay. Let's go back then. I'm happy with what I thought last time. I trust I trust myself from the past. Yeah. No. It is a lot we're less we're happy to take a little bit of risk, not all of it being the high risk ones, basically. Yeah. Yeah. Yep. Yep. Yep. Yeah. I think so. I think so. Yes. Yes. Yep. Which email was was it the James Halverson or Jay Halves? Never mind. Ellie's got it up. Yep. We're working on Ellie's. Okay. Yeah. I've got it up. It said I'll just open up, like, where it says, like, the sign the document one. Yep. Yes. Yes. Yes. Yes. Thank you. That's awesome. Sorry. Yeah. The last one, Jacob. Okay. Yep. I think that's all still still good. Yeah. Not the insurances. No. Yep. Yeah. Just what do you know just because I can't see it at the moment. Do you know what that annual growth then ended up being from when we did our first Alright. That's cool. Yeah. Yep. Alright. Cool. Yep. Yep. Yep. Yeah. No. I'm alright. Thank you. Yes. Alright. I'll try it. Mhmm. Yes. Yes. Yes. Mhmm. Yep. Yeah. Yep. Yeah. Yep. Yes. Yes. Yes. None. Yep. Yep. Yep. Yep. No. That seems pretty good. Like, particularly what we came from in our original super, like, the goals that we talked about and then considering what the market looks like, I'm happy with that. That's great. Yes. Yep. Yes. Yep. Yes. Oh, yeah. Can you make that big again? No. I don't. But yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yes. Yes. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. No. No. Yep. That's all good. This is the consent to new ongoing fee arrangements. Yep. Yes. Yep. Go ahead. Is there a way that we might have to sign in this, or is it Yeah. I can see that there's a box, but it, like, it flex it, but then nothing happens. And we'll try it back then. No. No. Because I could because you're on this side. It might be my side. We'll try and get it on this iPad. Oh, no. Oh, wait. And this is oh, here it says click to start. Uh-huh. It does it did it on the on my one, not on his one. That makes okay. So sign ah, right. Okay. Yep. Okay. Yeah. Got you. Got you. Got you. Okay. It says the eleventh of the eighth twenty sixth. Okay. And then next time. Okay. Cool. Yes. Yep. Yes. Okay. Yes. Yep. Oh, I rendered it. Oh, no. What is oh, no. Oh, I think it's not back to the very first one. That's really annoying. Okay. One second. Yes. I'm just into the right now. Okay. I speak. I was fine. You okay? I'm fine. I'm fine. I guess. You're not feeling this while I'm speaking? No. Next. Next. Next. Okay. Next. Next. Next. Next. Alright. And then I'm gonna do signature. Please have to do it. You're technically. Okay. I'm back with that spell one again. Hopefully, I'm not gonna press yep. Okay. Done. Great. Okay. And that that should be the last one. Yeah. Yeah. And then it's like, it's signed and then a green tick. So it looks happy. Okay. You won't be able to do mine. So you gotta and then you did you do the first one, James? Now you just wanna do the second one? What? Did you Signs my one second. And then that's gonna say. Yeah. Yeah. And then Yeah. And then I'll say, can I try to do that? Oh, Charlie. It's saying loading, loading, loading, but that's probably the same one. Okay. Charlie. No pressing buttons, Charlie. We did well to almost half hour or whatever without any gremlins with us. But No. Thank you. Mhmm. What about HVN? I'll pay Tuesday afternoon on the phone again. Is that okay with you? Will you do the twenty fifth, please? Yes. Congratulations. Yes. Yes. You've got a good reason. Yes. Yes. Do you know do you know if you're having a a boy or a girl? Oh, very cool. Oh, no pressure. It's boiling. That will include that. Yeah. Oh. Yep. That's alright. Great. Thank you. Easy. Okay. Cool. Okay. Beautiful. Thank you. Bye. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello.\n\nJamie speaking. I just spoke a while ago. Who am I supposed to? Yeah. Very good.\n\nYourself? I'm just gonna pop you on speaker phone so that Ellie and I can both hear you. Hang on a second. Here we go. Can you hear me?\n\nHi. Yep. Definitely can. Yes, please. Yes.\n\nYep. James Halbertson, 14th Of 3rd 1984, Head Sutton Court, Parkwood. 4214. Don't know if you know cover that. I have the same address, and then my date of birth is the sixteenth of the eleventh nineteen eighty eight.\n\nBusy. Busy, but yeah. Yeah. I think an update so I think when we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom? And, obviously, with the market and interest rates and the fact that we're at the time, we're at the time, we were kinda like, oh, it's a bit risky.\n\nNo. I'm happy we didn't. Where Ellie still wants to do point six working. And with all of that, we're happy not to be pursuing any of that at this stage. So I I think, really, it is just a case of checking in on what I I think, really, like, we're just happy to You can't do it.\n\nHaving you guys manage our, like, super and that kind of stuff, and then that's really it at the moment. Perfect. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nYes. That that seems to be alright. Yeah. Yeah. That's that's fine.\n\nYep. Yes. 1.3. Yep. That sounds about right.\n\nI think it's 4.3, and I was like, what? Yeah. The down a bit since then, but not that far. Yeah. Can you I'll respond to the bank.\n\nOh, no. No. We have one a new one of those. Probably 30? 40.\n\n40? That tells you how much time. Right? Yeah. 40.\n\nActually, 45. Actually, forty five. Yep. Okay. So do we add that number to that, or is it you tell them?\n\nYeah. You add that to it or just Yeah. So about 520 Sorry. 2,000 on the house. Mhmm.\n\nNo. It's owned outright. Yeah. Yeah. Probably A little bit less.\n\n$20.22 20. Yep. Correct. That's correct. Yes.\n\nYes. The amount owing on it Could be less than that. I can do a very quick check. It's going to be one moment. I have a terrible app that's really not helpful.\n\nOkay. Yeah. Probably update probably about that because, like, we bought our you know, it's our thing in our home loan one. It's, like, $16. Is that Canvas savings in this?\n\nOr is that Sorry. I've been done not listening to what you thought. Think how much is what I have in savings? Well, nothing. So at the moment, we have Like, everything's So that of that 520, we said, owing on the loan, we have about 6 16 or 17?\n\n16 or almost 17. $17 of that available, which is our savings, essentially. So we have like, all of our savings are sitting on the line. Yes. No.\n\nIt's a a razor roll. Correct. Yes. Yes. So the the value vehicle value for FBT is 67,000.\n\nThe residual amount is 20,000, but that's August 2028. So yeah. The residual amount, 20,000 for '20 '20, that the year 2028. Yep. No.\n\nThat no. That's that's it. No. No no meds or injuries. Boring your meds is good.\n\nYeah. Yeah. Yes. Yes. They got it.\n\nYep. Yes. We have it through the Queensland Trust, whatever it is. But yes. No.\n\nBecause we had to make a separate appointment for that one, and we didn't. No. Yeah. Yeah. Now we're done.\n\nYeah. That was Yeah. Yeah. That was pretty much the the thing that we Yeah. Now I have two kids in ahead.\n\nWe probably should probably be grown up to that. So it's Yeah. Yeah. Yep. Yes.\n\nNo. Correct. No. No. That that's all the time.\n\nYeah. We don't do that painting clinics at least three or so years. Yep. Okay. Yep.\n\nYep. Sure. No. No. Yes.\n\nThat would be a great dog. Yep. High to moderate. Yeah. That's what I was looking for.\n\nSo well done. You hold on. I'll probably do the neutral choice. Let me Yes. I've got no idea.\n\nWhat are you guys telling me? Okay. Let's go back then. I'm happy with what I thought last time. I trust I trust myself from the past.\n\nYeah. No. It is a lot we're less we're happy to take a little bit of risk, not all of it being the high risk ones, basically. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. I think so.\n\nI think so. Yes. Yes. Yep. Which email was was it the James Halverson or Jay Halves?\n\nNever mind. Ellie's got it up. Yep. We're working on Ellie's. Okay.\n\nYeah. I've got it up. It said I'll just open up, like, where it says, like, the sign the document one. Yep. Yes.\n\nYes. Yes. Yes. Thank you. That's awesome.\n\nSorry. Yeah. The last one, Jacob. Okay. Yep.\n\nI think that's all still still good. Yeah. Not the insurances. No. Yep.\n\nYeah. Just what do you know just because I can't see it at the moment. Do you know what that annual growth then ended up being from when we did our first Alright. That's cool. Yeah.\n\nYep. Alright. Cool. Yep. Yep.\n\nYep. Yeah. No. I'm alright. Thank you.\n\nYes. Alright. I'll try it. Mhmm. Yes.\n\nYes. Yes. Mhmm. Yep. Yeah.\n\nYep. Yeah. Yep. Yes. Yes.\n\nYes. None. Yep. Yep. Yep.\n\nYep. No. That seems pretty good. Like, particularly what we came from in our original super, like, the goals that we talked about and then considering what the market looks like, I'm happy with that. That's great.\n\nYes. Yep. Yes. Yep. Yes.\n\nOh, yeah. Can you make that big again? No. I don't. But yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yes. Yes. Yep.\n\nMhmm. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. No. Yep. That's all good. This is the consent to new ongoing fee arrangements.\n\nYep. Yes. Yep. Go ahead. Is there a way that we might have to sign in this, or is it Yeah.\n\nI can see that there's a box, but it, like, it flex it, but then nothing happens. And we'll try it back then. No. No. Because I could because you're on this side.\n\nIt might be my side. We'll try and get it on this iPad. Oh, no. Oh, wait. And this is oh, here it says click to start.\n\nUh-huh. It does it did it on the on my one, not on his one. That makes okay. So sign ah, right. Okay.\n\nYep. Okay. Yeah. Got you. Got you.\n\nGot you. Okay. It says the eleventh of the eighth twenty sixth. Okay. And then next time.\n\nOkay. Cool. Yes. Yep. Yes.\n\nOkay. Yes. Yep. Oh, I rendered it. Oh, no.\n\nWhat is oh, no. Oh, I think it's not back to the very first one. That's really annoying. Okay. One second.\n\nYes. I'm just into the right now. Okay. I speak. I was fine.\n\nYou okay? I'm fine. I'm fine. I guess. You're not feeling this while I'm speaking?\n\nNo. Next. Next. Next. Okay.\n\nNext. Next. Next. Next. Alright.\n\nAnd then I'm gonna do signature. Please have to do it. You're technically. Okay. I'm back with that spell one again.\n\nHopefully, I'm not gonna press yep. Okay. Done. Great. Okay.\n\nAnd that that should be the last one. Yeah. Yeah. And then it's like, it's signed and then a green tick. So it looks happy.\n\nOkay. You won't be able to do mine. So you gotta and then you did you do the first one, James? Now you just wanna do the second one? What?\n\nDid you Signs my one second. And then that's gonna say. Yeah. Yeah. And then Yeah.\n\nAnd then I'll say, can I try to do that? Oh, Charlie. It's saying loading, loading, loading, but that's probably the same one. Okay. Charlie.\n\nNo pressing buttons, Charlie. We did well to almost half hour or whatever without any gremlins with us. But No. Thank you. Mhmm.\n\nWhat about HVN? I'll pay Tuesday afternoon on the phone again. Is that okay with you? Will you do the twenty fifth, please? Yes.\n\nCongratulations. Yes. Yes. You've got a good reason. Yes.\n\nYes. Do you know do you know if you're having a a boy or a girl? Oh, very cool. Oh, no pressure. It's boiling.\n\nThat will include that. Yeah. Oh. Yep. That's alright.\n\nGreat. Thank you. Easy. Okay. Cool.\n\nOkay. Beautiful. Thank you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.03442423418164253},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.01593836967367679},{"text":"Thanks.","start":14.48,"end":14.98,"sentiment":"positive","sentiment_score":0.4118711352348328},{"text":"Please stay on the line.","start":15.375,"end":16.755001,"sentiment":"neutral","sentiment_score":0.18856387138366698},{"text":"Hello.","start":22.575,"end":22.975,"sentiment":"neutral","sentiment_score":0.04731394350528717}],"sentiment":"neutral","sentiment_score":0.07047677435912192,"num_words":24,"start":0.24,"end":22.975},{"sentences":[{"text":"Jamie speaking.","start":22.975,"end":23.795,"sentiment":"neutral","sentiment_score":0.039917152374982834},{"text":"I just spoke a while ago.","start":25.215,"end":26.494999,"sentiment":"neutral","sentiment_score":0.05437998721996943},{"text":"Who am I supposed to?","start":26.494999,"end":27.6,"sentiment":"neutral","sentiment_score":0.009236610308289529},{"text":"Yeah.","start":28.48,"end":28.720001,"sentiment":"neutral","sentiment_score":0.2288499176502228},{"text":"Very good.","start":28.720001,"end":29.2,"sentiment":"positive","sentiment_score":0.4994186609983444}],"sentiment":"neutral","sentiment_score":0.10499903245363384,"num_words":16,"start":22.975,"end":29.2},{"sentences":[{"text":"Yourself?","start":29.2,"end":29.7,"sentiment":"neutral","sentiment_score":0.2891490161418915},{"text":"I'm just gonna pop you on speaker phone so that Ellie and I can both hear you.","start":32.56,"end":36.88,"sentiment":"neutral","sentiment_score":0.12661697671693914},{"text":"Hang on a second.","start":36.88,"end":37.7,"sentiment":"neutral","sentiment_score":0.04216788709163666},{"text":"Here we go.","start":39.92,"end":40.82,"sentiment":"neutral","sentiment_score":0.09288803488016129},{"text":"Can you hear me?","start":41.864998,"end":42.844997,"sentiment":"neutral","sentiment_score":0.05411045532673597}],"sentiment":"neutral","sentiment_score":0.10708327912564936,"num_words":29,"start":29.2,"end":42.844997},{"sentences":[{"text":"Hi.","start":43.864998,"end":44.364998,"sentiment":"neutral","sentiment_score":0.028258908540010452},{"text":"Yep.","start":45.144997,"end":45.644997,"sentiment":"neutral","sentiment_score":0.09655412286520004},{"text":"Definitely can.","start":45.704998,"end":46.765,"sentiment":"neutral","sentiment_score":0.2233942598104477},{"text":"Yes, please.","start":53.305,"end":54.204998,"sentiment":"neutral","sentiment_score":0.09629112482070924},{"text":"Yes.","start":65.97,"end":66.47,"sentiment":"neutral","sentiment_score":0.10928323864936829}],"sentiment":"neutral","sentiment_score":0.12478100561669894,"num_words":7,"start":43.864998,"end":66.47},{"sentences":[{"text":"Yep.","start":80.68,"end":81.0,"sentiment":"neutral","sentiment_score":0.010693649761378763},{"text":"James Halbertson, 14th Of 3rd 1984, Head Sutton Court, Parkwood.","start":81.0,"end":86.86,"sentiment":"neutral","sentiment_score":0.012755208415910602},{"text":"4214.","start":88.44,"end":89.4,"sentiment":"neutral","sentiment_score":0.0036559277214109898},{"text":"Don't know if you know cover that.","start":89.4,"end":90.94,"sentiment":"neutral","sentiment_score":-0.04891347752085754},{"text":"I have the same address, and then my date of birth is the sixteenth of the eleventh nineteen eighty eight.","start":91.08,"end":97.744995,"sentiment":"neutral","sentiment_score":0.013396167382597923}],"sentiment":"neutral","sentiment_score":0.001728991452509012,"num_words":39,"start":80.68,"end":97.744995},{"sentences":[{"text":"Busy.","start":103.085,"end":103.564995,"sentiment":"neutral","sentiment_score":0.11342065036296844},{"text":"Busy, but yeah.","start":103.564995,"end":107.104996,"sentiment":"neutral","sentiment_score":0.10189137359460194},{"text":"Yeah.","start":107.16499,"end":107.66499,"sentiment":"neutral","sentiment_score":0.21996164321899417},{"text":"I think an update so I think when we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom?","start":128.385,"end":138.545,"sentiment":"neutral","sentiment_score":-0.024711418266901198},{"text":"And, obviously, with the market and interest rates and the fact that we're at the time, we're at the time, we were kinda like, oh, it's a bit risky.","start":138.545,"end":145.34999,"sentiment":"neutral","sentiment_score":-0.10665125008030184}],"sentiment":"neutral","sentiment_score":-0.04844144204467097,"num_words":68,"start":103.085,"end":145.34999},{"sentences":[{"text":"No.","start":146.04999,"end":146.37,"sentiment":"negative","sentiment_score":-0.42726796865463257},{"text":"I'm happy we didn't.","start":146.37,"end":147.48999,"sentiment":"negative","sentiment_score":-0.40474165976047516},{"text":"Where Ellie still wants to do point six working.","start":147.48999,"end":150.39,"sentiment":"neutral","sentiment_score":-0.15686817301644218},{"text":"And with all of that, we're happy not to be pursuing any of that at this stage.","start":150.61,"end":154.39,"sentiment":"negative","sentiment_score":-0.3585071265697479},{"text":"So I I think, really, it is just a case of checking in on what I I think, really, like, we're just happy to You can't do it.","start":155.185,"end":163.665,"sentiment":"neutral","sentiment_score":-0.004085840790399483}],"sentiment":"neutral","sentiment_score":-0.16384869251968498,"num_words":59,"start":146.04999,"end":163.665},{"sentences":[{"text":"Having you guys manage our, like, super and that kind of stuff, and then that's really it at the moment.","start":163.745,"end":168.885,"sentiment":"neutral","sentiment_score":-0.01928639691323042},{"text":"Perfect.","start":200.82,"end":201.3,"sentiment":"neutral","sentiment_score":0.2747521698474884},{"text":"Yep.","start":201.3,"end":201.8,"sentiment":"neutral","sentiment_score":0.15988153219223022},{"text":"Yep.","start":214.5,"end":215.0,"sentiment":"neutral","sentiment_score":0.03564847260713577},{"text":"Yep.","start":230.08499,"end":230.565,"sentiment":"neutral","sentiment_score":0.06925547122955322}],"sentiment":"neutral","sentiment_score":0.006408737817158301,"num_words":24,"start":163.745,"end":230.565},{"sentences":[{"text":"Yep.","start":230.565,"end":230.88,"sentiment":"neutral","sentiment_score":0.09846365451812744},{"text":"Yep.","start":236.64,"end":237.12001,"sentiment":"neutral","sentiment_score":0.12587206065654755},{"text":"Yep.","start":237.12001,"end":237.62001,"sentiment":"neutral","sentiment_score":0.0707017257809639},{"text":"Yep.","start":241.92,"end":242.42,"sentiment":"neutral","sentiment_score":0.027482151985168457},{"text":"No.","start":242.56,"end":243.06,"sentiment":"neutral","sentiment_score":0.04622969031333923}],"sentiment":"neutral","sentiment_score":0.07374985665082931,"num_words":5,"start":230.565,"end":243.06},{"sentences":[{"text":"Yes.","start":253.025,"end":253.265,"sentiment":"neutral","sentiment_score":0.1292929649353027},{"text":"That that seems to be alright.","start":253.265,"end":255.045,"sentiment":"neutral","sentiment_score":0.10120988761385281},{"text":"Yeah.","start":255.58499,"end":256.085,"sentiment":"neutral","sentiment_score":0.07401613146066666},{"text":"Yeah.","start":260.63,"end":261.03,"sentiment":"neutral","sentiment_score":0.12501534819602966},{"text":"That's that's fine.","start":261.03,"end":261.83002,"sentiment":"neutral","sentiment_score":0.23298488557338715}],"sentiment":"neutral","sentiment_score":0.13621153558293977,"num_words":12,"start":253.025,"end":261.83002},{"sentences":[{"text":"Yep.","start":261.83002,"end":262.33002,"sentiment":"neutral","sentiment_score":0.12626579403877258},{"text":"Yes.","start":279.975,"end":280.475,"sentiment":"neutral","sentiment_score":0.06023959070444107},{"text":"1.3.","start":290.07,"end":291.13,"sentiment":"neutral","sentiment_score":0.010425779037177564},{"text":"Yep.","start":292.38998,"end":292.71,"sentiment":"neutral","sentiment_score":0.05519198998808861},{"text":"That sounds about right.","start":292.71,"end":293.66998,"sentiment":"neutral","sentiment_score":0.10666774027049541}],"sentiment":"neutral","sentiment_score":0.08484926435630769,"num_words":8,"start":261.83002,"end":293.66998},{"sentences":[{"text":"I think it's 4.3, and I was like, what?","start":293.66998,"end":296.09,"sentiment":"neutral","sentiment_score":0.007344076099495093},{"text":"Yeah.","start":313.43002,"end":313.93002,"sentiment":"neutral","sentiment_score":0.0063918596133589745},{"text":"The down a bit since then, but not that far.","start":314.63,"end":317.93002,"sentiment":"neutral","sentiment_score":-0.0347112750634551},{"text":"Yeah.","start":320.15002,"end":320.47,"sentiment":"neutral","sentiment_score":0.0011655744165182114},{"text":"Can you I'll respond to the bank.","start":320.47,"end":323.13,"sentiment":"neutral","sentiment_score":-0.001878485715548907}],"sentiment":"neutral","sentiment_score":-0.01023600113278787,"num_words":28,"start":293.66998,"end":323.13},{"sentences":[{"text":"Oh, no.","start":332.095,"end":332.815,"sentiment":"neutral","sentiment_score":-0.053154949098825455},{"text":"No.","start":332.815,"end":333.215,"sentiment":"neutral","sentiment_score":-0.06215521693229675},{"text":"We have one a new one of those.","start":333.215,"end":336.03497,"sentiment":"neutral","sentiment_score":-0.05101157305762172},{"text":"Probably 30?","start":336.57498,"end":337.47498,"sentiment":"neutral","sentiment_score":-0.012079749722033739},{"text":"40.","start":338.175,"end":338.675,"sentiment":"neutral","sentiment_score":-0.00763580622151494}],"sentiment":"neutral","sentiment_score":-0.04345378608975027,"num_words":14,"start":332.095,"end":338.675},{"sentences":[{"text":"40?","start":338.895,"end":339.395,"sentiment":"neutral","sentiment_score":-0.007080679293721914},{"text":"That tells you how much time.","start":339.53497,"end":340.735,"sentiment":"neutral","sentiment_score":-0.009273222958048185},{"text":"Right?","start":340.735,"end":341.13498,"sentiment":"neutral","sentiment_score":0.003519889898598194},{"text":"Yeah.","start":341.13498,"end":341.455,"sentiment":"neutral","sentiment_score":0.009757829830050468},{"text":"40.","start":341.455,"end":341.955,"sentiment":"neutral","sentiment_score":0.02441861853003502}],"sentiment":"neutral","sentiment_score":-0.002502367878332734,"num_words":10,"start":338.895,"end":341.955},{"sentences":[{"text":"Actually, 45.","start":343.34,"end":344.62,"sentiment":"neutral","sentiment_score":0.035190656781196594},{"text":"Actually, forty five.","start":344.62,"end":346.0,"sentiment":"neutral","sentiment_score":0.016729433710376423},{"text":"Yep.","start":346.7,"end":347.2,"sentiment":"neutral","sentiment_score":0.06420998275279999},{"text":"Okay.","start":347.5,"end":348.0,"sentiment":"neutral","sentiment_score":0.041487980633974075},{"text":"So do we add that number to that, or is it you tell them?","start":348.78,"end":353.68,"sentiment":"neutral","sentiment_score":0.02014575605945928}],"sentiment":"neutral","sentiment_score":0.024205150614891733,"num_words":21,"start":343.34,"end":353.68},{"sentences":[{"text":"Yeah.","start":355.965,"end":356.465,"sentiment":"neutral","sentiment_score":0.008346961811184883},{"text":"You add that to it or just Yeah.","start":356.605,"end":358.385,"sentiment":"neutral","sentiment_score":0.003330813953652978},{"text":"So about 520 Sorry.","start":358.845,"end":363.005,"sentiment":"neutral","sentiment_score":-0.0037954881554469466},{"text":"2,000 on the house.","start":363.085,"end":364.865,"sentiment":"neutral","sentiment_score":-0.006046113558113575},{"text":"Mhmm.","start":375.68,"end":375.84,"sentiment":"neutral","sentiment_score":-0.008203335106372833}],"sentiment":"neutral","sentiment_score":-0.0006986815844559006,"num_words":18,"start":355.965,"end":375.84},{"sentences":[{"text":"No.","start":375.84,"end":376.16,"sentiment":"neutral","sentiment_score":-0.03670809417963028},{"text":"It's owned outright.","start":376.16,"end":377.3,"sentiment":"neutral","sentiment_score":-0.028236372396349907},{"text":"Yeah.","start":385.695,"end":386.195,"sentiment":"neutral","sentiment_score":0.02694776840507984},{"text":"Yeah.","start":386.49503,"end":386.815,"sentiment":"neutral","sentiment_score":0.013406739570200443},{"text":"Probably A little bit less.","start":386.815,"end":388.255,"sentiment":"neutral","sentiment_score":-0.009393311291933059}],"sentiment":"neutral","sentiment_score":-0.01163902362300591,"num_words":11,"start":375.84,"end":388.255},{"sentences":[{"text":"$20.22 20.","start":388.49503,"end":390.67502,"sentiment":"neutral","sentiment_score":0.012043644208461046},{"text":"Yep.","start":393.375,"end":393.875,"sentiment":"neutral","sentiment_score":0.0310174897313118},{"text":"Correct.","start":396.255,"end":396.755,"sentiment":"neutral","sentiment_score":0.22575481235980988},{"text":"That's correct.","start":401.94,"end":402.66,"sentiment":"neutral","sentiment_score":0.15525035560131073},{"text":"Yes.","start":402.66,"end":403.16,"sentiment":"neutral","sentiment_score":0.1438152939081192}],"sentiment":"neutral","sentiment_score":0.10502508508839778,"num_words":7,"start":388.49503,"end":403.16},{"sentences":[{"text":"Yes.","start":413.35498,"end":413.85498,"sentiment":"neutral","sentiment_score":0.015339596197009088},{"text":"The amount owing on it Could be less than that.","start":425.115,"end":431.6,"sentiment":"neutral","sentiment_score":-0.10955771617591381},{"text":"I can do a very quick check.","start":431.6,"end":433.38,"sentiment":"neutral","sentiment_score":-0.08389624633959361},{"text":"It's going to be one moment.","start":433.44,"end":439.22,"sentiment":"neutral","sentiment_score":-0.08410759021838506},{"text":"I have a terrible app that's really not helpful.","start":447.415,"end":450.715,"sentiment":"negative","sentiment_score":-0.7016957799593607}],"sentiment":"neutral","sentiment_score":-0.2571945106328437,"num_words":33,"start":413.35498,"end":450.715},{"sentences":[{"text":"Okay.","start":452.61502,"end":453.11502,"sentiment":"neutral","sentiment_score":-0.013214167207479475},{"text":"Yeah.","start":455.19,"end":455.69,"sentiment":"neutral","sentiment_score":0.010473191738128662},{"text":"Probably update probably about that because, like, we bought our you know, it's our thing in our home loan one.","start":455.75,"end":472.845,"sentiment":"neutral","sentiment_score":-0.009383574523963035},{"text":"It's, like, $16.","start":472.845,"end":474.38498,"sentiment":"neutral","sentiment_score":-0.01241316320374608},{"text":"Is that Canvas savings in this?","start":474.44498,"end":476.04498,"sentiment":"neutral","sentiment_score":-0.021014305918167036}],"sentiment":"neutral","sentiment_score":-0.011410896486091998,"num_words":31,"start":452.61502,"end":476.04498},{"sentences":[{"text":"Or is that Sorry.","start":476.04498,"end":479.085,"sentiment":"neutral","sentiment_score":-0.0395739593077451},{"text":"I've been done not listening to what you thought.","start":479.085,"end":480.52496,"sentiment":"neutral","sentiment_score":-0.19336524274614122},{"text":"Think how much is what I have in savings?","start":480.60498,"end":482.625,"sentiment":"neutral","sentiment_score":-0.06205706256959173},{"text":"Well, nothing.","start":483.32498,"end":485.00998,"sentiment":"neutral","sentiment_score":-0.05276322923600674},{"text":"So at the moment, we have Like, everything's So that of that 520, we said, owing on the loan, we have about 6 16 or 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all the time.","start":723.04504,"end":724.48505,"sentiment":"neutral","sentiment_score":-0.07523425966501236}],"sentiment":"neutral","sentiment_score":-0.05915616204341253,"num_words":9,"start":687.665,"end":724.48505},{"sentences":[{"text":"Yeah.","start":724.48505,"end":724.885,"sentiment":"neutral","sentiment_score":0.004880970343947411},{"text":"We don't do that painting clinics at least three or so 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you.","start":2024.335,"end":2026.835,"sentiment":"neutral","sentiment_score":0.09935831278562546},{"text":"Mhmm.","start":2036.5801,"end":2037.0801,"sentiment":"neutral","sentiment_score":0.007206034380942583}],"sentiment":"neutral","sentiment_score":0.08200254430994391,"num_words":23,"start":2012.0801,"end":2037.0801},{"sentences":[{"text":"What about HVN?","start":2049.405,"end":2050.465,"sentiment":"neutral","sentiment_score":0.010127109164992968},{"text":"I'll pay Tuesday afternoon on the phone again.","start":2054.285,"end":2057.245,"sentiment":"neutral","sentiment_score":0.07180432183668017},{"text":"Is that okay with you?","start":2057.245,"end":2058.705,"sentiment":"neutral","sentiment_score":0.06823880523443222},{"text":"Will you do the twenty fifth, please?","start":2072.87,"end":2074.97,"sentiment":"neutral","sentiment_score":-0.012416669433670384},{"text":"Yes.","start":2077.805,"end":2078.305,"sentiment":"neutral","sentiment_score":0.12164685130119324}],"sentiment":"neutral","sentiment_score":0.04086417056775341,"num_words":24,"start":2049.405,"end":2078.305},{"sentences":[{"text":"Congratulations.","start":2115.94,"end":2116.44,"sentiment":"positive","sentiment_score":0.6593769788742065},{"text":"Yes.","start":2124.42,"end":2124.92,"sentiment":"neutral","sentiment_score":0.12033310532569884},{"text":"Yes.","start":2149.81,"end":2150.31,"sentiment":"neutral","sentiment_score":0.10756824910640717},{"text":"You've got a good reason.","start":2157.615,"end":2158.755,"sentiment":"neutral","sentiment_score":0.10696891844272613},{"text":"Yes.","start":2158.815,"end":2159.315,"sentiment":"neutral","sentiment_score":0.035422470420598984}],"sentiment":"neutral","sentiment_score":0.16194948843783802,"num_words":9,"start":2115.94,"end":2159.315},{"sentences":[{"text":"Yes.","start":2160.8948,"end":2161.375,"sentiment":"neutral","sentiment_score":0.03800666332244873},{"text":"Do you know do you know if you're having a a boy or a girl?","start":2161.375,"end":2164.1948,"sentiment":"neutral","sentiment_score":0.003250599279999733},{"text":"Oh, very cool.","start":2167.135,"end":2168.355,"sentiment":"positive","sentiment_score":0.36117390791575116},{"text":"Oh, no pressure.","start":2174.29,"end":2175.6702,"sentiment":"neutral","sentiment_score":0.07588820407787959},{"text":"It's boiling.","start":2177.8901,"end":2178.6902,"sentiment":"neutral","sentiment_score":0.07372305914759636}],"sentiment":"neutral","sentiment_score":0.06439158778327207,"num_words":24,"start":2160.8948,"end":2178.6902},{"sentences":[{"text":"That will include that.","start":2178.6902,"end":2180.05,"sentiment":"neutral","sentiment_score":0.10292895324528217},{"text":"Yeah.","start":2180.05,"end":2180.55,"sentiment":"neutral","sentiment_score":0.10996520519256592},{"text":"Oh.","start":2190.395,"end":2190.895,"sentiment":"neutral","sentiment_score":0.038808804005384445},{"text":"Yep.","start":2211.51,"end":2212.01,"sentiment":"neutral","sentiment_score":0.06107622385025024},{"text":"That's alright.","start":2212.955,"end":2213.5151,"sentiment":"positive","sentiment_score":0.4155053049325943}],"sentiment":"neutral","sentiment_score":0.161397406210502,"num_words":9,"start":2178.6902,"end":2213.5151},{"sentences":[{"text":"Great.","start":2213.5151,"end":2213.7551,"sentiment":"positive","sentiment_score":0.8638867139816284},{"text":"Thank you.","start":2213.7551,"end":2214.155,"sentiment":"positive","sentiment_score":0.823252409696579},{"text":"Easy.","start":2214.235,"end":2214.475,"sentiment":"positive","sentiment_score":0.5922823548316956},{"text":"Okay.","start":2214.475,"end":2214.955,"sentiment":"positive","sentiment_score":0.49381569027900696},{"text":"Cool.","start":2214.955,"end":2215.455,"sentiment":"positive","sentiment_score":0.6728792786598206}],"sentiment":"positive","sentiment_score":0.711561476190885,"num_words":6,"start":2213.5151,"end":2215.455},{"sentences":[{"text":"Okay.","start":2224.155,"end":2224.475,"sentiment":"positive","sentiment_score":0.5576170682907104},{"text":"Beautiful.","start":2224.475,"end":2224.795,"sentiment":"positive","sentiment_score":0.8344153165817261},{"text":"Thank you.","start":2224.795,"end":2225.535,"sentiment":"positive","sentiment_score":0.8085949420928955},{"text":"Bye.","start":2230.059,"end":2230.559,"sentiment":"neutral","sentiment_score":0.22607676684856415},{"text":"Bye.","start":2230.779,"end":2231.279,"sentiment":"neutral","sentiment_score":-0.10915103554725648}],"sentiment":"positive","sentiment_score":0.5210246667265892,"num_words":6,"start":2224.155,"end":2231.279}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica OQ Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello. Jamie speaking.\n\nChannel 0: Good afternoon,\n\nChannel 1: I\n\nChannel 0: James.\n\nChannel 1: just spoke\n\nChannel 0: This is\n\nChannel 1: a\n\nChannel 0: Veronica\n\nChannel 1: while ago. Who am I supposed\n\nChannel 0: from Financial.\n\nChannel 1: to?\n\nChannel 0: How are you?\n\nChannel 1: Yeah. Very good. Yourself?\n\nChannel 0: Hi. I'm good. Thanks.\n\nChannel 1: I'm just\n\nChannel 0: I\n\nChannel 1: gonna\n\nChannel 0: had\n\nChannel 1: pop you on speaker phone so that Ellie\n\nChannel 0: Yep.\n\nChannel 1: and I can both hear you. Hang on a second.\n\nChannel 0: Yep.\n\nChannel 1: Here we go.\n\nChannel 0: Perfect.\n\nChannel 1: Can you hear\n\nChannel 0: You guys\n\nChannel 1: me?\n\nChannel 0: can yeah. Can you\n\nChannel 1: Hi.\n\nChannel 0: hear me okay?\n\nChannel 1: Yep. Definitely can.\n\nChannel 0: Yep. Perfect. I had you both in to go over your annual reviews. Is now still a good time for you both?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Okay. Okay. Perfect. Now just before I do go any further, I just need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And just for security purposes as well, just so that I can confirm I'm speaking with the right people, could I please get both of you just to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. James Halbertson, 14th Of 3rd 1984, Head Sutton Court, Parkwood.\n\nChannel 0: Yep.\n\nChannel 1: 4214. Don't know if you know cover that. I have the same address,\n\nChannel 0: Yes.\n\nChannel 1: and then my date of birth is the sixteenth of the eleventh nineteen eighty eight.\n\nChannel 0: Yep. Perfect. And how you've both been? You've been good?\n\nChannel 1: Busy. Busy, but\n\nChannel 0: Life.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Oh, that's great. Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at?\n\nChannel 1: I think an update so I think when\n\nChannel 0: Mhmm.\n\nChannel 1: we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom? And, obviously,\n\nChannel 0: Yes.\n\nChannel 1: with the market and interest rates and the fact\n\nChannel 0: Yes.\n\nChannel 1: that we're at the time, we're at the time, we were kinda like, oh, it's a bit risky.\n\nChannel 0: Yeah.\n\nChannel 1: No. I'm happy we didn't. Where Ellie still wants to do\n\nChannel 0: Yes.\n\nChannel 1: point six working. And with all of that, we're happy not to be pursuing any of that at this stage.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I I think, really, it is just a case of checking in on what I I think, really, like, we're just happy to You can't do\n\nChannel 0: Yep.\n\nChannel 1: it. Having you guys manage our, like, super and that kind of stuff, and then\n\nChannel 0: Yep. Yep.\n\nChannel 1: that's really it at the moment.\n\nChannel 0: Yep. Yep. And we can always take it as counts as well. And, obviously, we'd like the budget changes with investment properties and everything like that as well. There's obviously been a lot of changes, and we can, yeah, definitely just focus mainly for now on, obviously, your super insurances, investments, make sure that's all sorted.\n\nAnd then if it's ever a point where either we want to explore further different investments or different strategies or whatever it might be, we can always, you know, have a look at that whenever you guys are ready.\n\nChannel 1: Perfect. Yep.\n\nChannel 0: Yeah. Perfect. So what I will do first is just to go through just a bit of an updated fact find with both of you just to see if there is anything major that has changed in in your life since we spoke last and if we need to\n\nChannel 1: Yep.\n\nChannel 0: make any tweaks and changes to your advice. So kind of bear with me as I go through this. Now, obviously, personal information that hasn't changed. Still married with true financial dependents.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. And I do have each other nominated as next of kin. That's obviously still the case as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now occupation wise, has that changed for either of you?\n\nChannel 1: Yep. No.\n\nChannel 0: Perfect. Now I do wanna triple check income if that has changed. So for Ellie, for you, I have 73,000. Is that\n\nChannel 1: Yes. That that\n\nChannel 0: still\n\nChannel 1: seems\n\nChannel 0: that's\n\nChannel 1: to be alright.\n\nChannel 0: still the\n\nChannel 1: Yeah.\n\nChannel 0: yep. Perfect. And, James, for you, I have about a 112.\n\nChannel 1: Yeah. That's that's fine. Yep.\n\nChannel 0: That's the same? Okay. Great. Perfect. Now let me see here.\n\nNow, James, salary sacrifice, are you still doing that as well? Yep. Perfect. So no changes in regards to that. Asset wise,\n\nChannel 1: Yes.\n\nChannel 0: I have here your property last was valued at about 1.3. Do you guys know if that's roughly the same or has that changed?\n\nChannel 1: 1.3.\n\nChannel 0: Yes.\n\nChannel 1: Yep. That sounds about right. I think it's 4.3, and I was like, what?\n\nChannel 0: Still out of me. 1.3. That's good. Alright. And I had mortgage at about 540,000.\n\nChannel 1: Yeah. The down a bit since then, but not that\n\nChannel 0: Yeah.\n\nChannel 1: far.\n\nChannel 0: How what would\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Can you\n\nChannel 0: reckon?\n\nChannel 1: I'll respond to the bank.\n\nChannel 0: Okay. Perfect. James. Camper trailer 8,000 still? No.\n\nChannel 1: Oh, no. No. We have\n\nChannel 0: No?\n\nChannel 1: one a new one of those. Probably\n\nChannel 0: Okay.\n\nChannel 1: 30? 40.\n\nChannel 0: 30.\n\nChannel 1: 40? That tells you\n\nChannel 0: 40.\n\nChannel 1: how much time. Right? Yeah. 40.\n\nChannel 0: Perfect.\n\nChannel 1: Actually,\n\nChannel 0: And\n\nChannel 1: 45. Actually,\n\nChannel 0: 40\n\nChannel 1: forty five.\n\nChannel 0: 5. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Forty\n\nChannel 1: Okay. So do we add that number to that,\n\nChannel 0: five.\n\nChannel 1: or is it you tell them? Yeah. You add that to it or just Yeah. So about 520 Sorry. 2,000 on the house.\n\nChannel 0: Perfect. $5.01 22. Now with the new Tampa trailer as well, did you guys have anything owing on that one?\n\nChannel 1: Mhmm. No. It's owned outright.\n\nChannel 0: Okay. Perfect. Now motor vehicles, I have here l e c u. It was worth about 25,000.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah. Probably A little bit less. $20.22 20.\n\nChannel 0: still about 22. Perfect. And\n\nChannel 1: Yep.\n\nChannel 0: still, obviously, nothing owing on that one?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And, James, do you still have a no later lease agreement for your car?\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Okay. Perfect. And if you were to buy it, sell it, would it be worth about $70, would you say, the car?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And if you were to, obviously, cancel and pay out the the remainder of the lease, would it be about 60 owing or a little bit less?\n\nChannel 1: The amount owing on it\n\nChannel 0: Mhmm.\n\nChannel 1: Could be less than that. I can do a very quick check. It's going to be one moment.\n\nChannel 0: Yeah.\n\nChannel 1: I have a terrible app that's really not helpful.\n\nChannel 0: Sure. That's\n\nChannel 1: Okay.\n\nChannel 0: okay. You can you can take your time. I can check,\n\nChannel 1: Yeah. Probably\n\nChannel 0: Ellie, with you. I have savings about 4,400.\n\nChannel 1: update probably about that because, like, we bought our you know, it's our thing in our home loan one. It's, like, $16. Is that Canvas savings in this? Or is that Sorry. I've been done not listening to what you thought.\n\nThink how much is what I have in savings? Well, nothing. So at the moment, we have Like, everything's So that of that 520, we said, owing\n\nChannel 0: Mhmm.\n\nChannel 1: on the loan,\n\nChannel 0: Yep.\n\nChannel 1: we have about 6 16 or 17? 16 or almost 17. $17 of that available, which is our savings, essentially. So we have\n\nChannel 0: Okay.\n\nChannel 1: like, all of our\n\nChannel 0: So\n\nChannel 1: savings\n\nChannel 0: is that\n\nChannel 1: are sitting on the line.\n\nChannel 0: in an off set, or did you,\n\nChannel 1: Yes.\n\nChannel 0: like, a\n\nChannel 1: No.\n\nChannel 0: redraw?\n\nChannel 1: It's a a razor roll.\n\nChannel 0: A redraw. Okay. Perfect. That's all good. Sorry.\n\nTotal owing is the 522, but then you have 17 that you could redraw if you wanted to. Is that correct?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yep. Okay. Perfect. That is all good. And did you get any update on the car change\n\nChannel 1: Yes.\n\nChannel 0: at all? Or\n\nChannel 1: So\n\nChannel 0: if yeah?\n\nChannel 1: the the value vehicle value for FBT is 67,000. The residual\n\nChannel 0: Yep.\n\nChannel 1: amount is 20,000, but that's August 2028. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Rough roughly. And there was a '28, did you say? Twenty eight thousand?\n\nChannel 1: The residual amount, 20,000 for '20\n\nChannel 0: Twenty.\n\nChannel 1: '20, that the year 2028.\n\nChannel 0: Okay. Perfect. So\n\nChannel 1: Yep.\n\nChannel 0: in here, 2028. Great. Any other assets that's changed or you guys bought in the last since we spoke last? Any other motor vehicles or motorbikes\n\nChannel 1: No. That\n\nChannel 0: or boats? Nope.\n\nChannel 1: no. That's that's it.\n\nChannel 0: That's all good. Perfect. Now have either of you had any changes to your health in the last twelve months or so? Any injuries or medications or anything?\n\nChannel 1: No. No no meds or injuries. Boring your meds is good.\n\nChannel 0: That's great. I like that.\n\nChannel 1: Yeah.\n\nChannel 0: It's worth being like, oh, yeah. I was diagnosed with this and this and this and this. No. I like boring when it comes to health.\n\nChannel 1: Yeah.\n\nChannel 0: Now do either of you have private health insurance as well?\n\nChannel 1: Yes. Yes. They got it.\n\nChannel 0: Okay. Perfect. And that'd be hospital as\n\nChannel 1: Yep.\n\nChannel 0: well? Yep. Okay. Perfect. Now estate planning wise, do you guys have a will or power of attorney or anything like that in place?\n\nChannel 1: Yes. We have it through\n\nChannel 0: Yes.\n\nChannel 1: the Queensland Trust, whatever it is. But yes.\n\nChannel 0: Perfect. That's good. And do you did you do you know if you made a nomination for power of attorney as part of, like, the will and stuff?\n\nChannel 1: No. Because we had to make a separate appointment for that one, and we didn't. No.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah. Now we're done.\n\nChannel 0: No. Okay. That's all good. But you got a will anyway. Did you in the will do anything in regards to our guardianships or anything as well?\n\nChannel 1: Yeah. That was\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. That was pretty much the the thing that we Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Now I have two kids in ahead. We probably should probably be grown up to that. So it's Yeah. Yeah.\n\nChannel 0: Yeah. You got the real sort of, so that is perfect. Now I can see here as well that, obviously, full beneficiaries. So in the event that something were to happen to either of you, you have each other nominated. That's still correct?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Perfect. And the good thing with nominating a spouse is that it is completely tax free as well if something were to happen, which is great. Now are either of you politically exposed at all, directly involved in politics?\n\nChannel 1: No.\n\nChannel 0: No. That's the same for you, Ellie?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Perfect. And do you earn any income overseas at all, like a tax resident in a foreign jurisdiction?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Perfect. Otherwise, aside from obviously kind of focusing on what you are doing right now, do you have any other particular goals that you are focusing on in the next couple of years aside from family holidays, reducing mortgage, maybe doing some renovations? Is there anything else that you guys\n\nChannel 1: No.\n\nChannel 0: are\n\nChannel 1: That\n\nChannel 0: focusing\n\nChannel 1: that's\n\nChannel 0: on?\n\nChannel 1: all the time.\n\nChannel 0: On?\n\nChannel 1: Yeah. We\n\nChannel 0: Yep.\n\nChannel 1: don't do that painting\n\nChannel 0: Nice.\n\nChannel 1: clinics at least three or so years. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now the next thing I do wanna run over with you both, it is just an updated that kind of risk profile questionnaire. It is a little bit shorter version, though, to make it nice and easy.\n\nAgain, it is just multiple choice.\n\nChannel 1: Okay.\n\nChannel 0: No right or wrong answer, but it is just to see if any of your risk tolerance has changed and if we need to many make any tweaks and changes to how the money is invested.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it is quite similar to to last time, but just let me know if it doesn't make sense. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Now either of you have you ever invested in any personal investments, like managed funds or direct shares or anything?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. And when it comes to your superannuation, are you kind of still planning on retiring at 60 when you can? That's\n\nChannel 1: Yes.\n\nChannel 0: still kind\n\nChannel 1: That\n\nChannel 0: of\n\nChannel 1: would\n\nChannel 0: the\n\nChannel 1: be\n\nChannel 0: focus.\n\nChannel 1: a great dog.\n\nChannel 0: As soon as possible.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: High to moderate. Yeah. That's what I\n\nChannel 0: High\n\nChannel 1: was\n\nChannel 0: to\n\nChannel 1: looking\n\nChannel 0: moderate?\n\nChannel 1: for. So well done. You hold on.\n\nChannel 0: Okay. Perfect. Now next is when it comes to fluctuations. So if, hypothetically speaking, you place an investment, and then after six months, it's decreased in value by 20% due to kind of general trends in the market. Would you, if you had the option to do so, think that now is while the prices are down?\n\nWould you just kind of be a bit more neutral, just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you're out in selling when the prices have already\n\nChannel 1: I'll probably do the neutral choice.\n\nChannel 0: dropped. Neutral? Yep.\n\nChannel 1: Let\n\nChannel 0: And James?\n\nChannel 1: me Yes. I've got no idea.\n\nChannel 0: That's okay.\n\nChannel 1: What\n\nChannel 0: You\n\nChannel 1: are\n\nChannel 0: did\n\nChannel 1: you guys\n\nChannel 0: say\n\nChannel 1: telling\n\nChannel 0: new\n\nChannel 1: me?\n\nChannel 0: you said you said you said neutral last time. It was like,\n\nChannel 1: Okay.\n\nChannel 0: oh,\n\nChannel 1: Let's go back then. I'm happy\n\nChannel 0: neutral.\n\nChannel 1: with what I thought last time. I trust\n\nChannel 0: Okay.\n\nChannel 1: I trust myself from the past.\n\nChannel 0: No problem. Now that basically tells me here that you guys have come out pretty much exactly the same as as last time we spoke, which is that kind of growth portfolio. Do you guys\n\nChannel 1: Yeah.\n\nChannel 0: remember what it means to be a growth investor at all?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: It is a lot we're less we're happy to take a little bit of risk, not all of it being the high risk ones, basically.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly. So it's, like, kind of somewhere in the middle where you are still focusing on growth. Your your main focus is to maximize growth in your super while you still have plenty\n\nChannel 1: Yeah.\n\nChannel 0: of time. You will\n\nChannel 1: Yep.\n\nChannel 0: see some short term fluctuations because you are invested in those growth investments, but it is not your high growth or aggressive. So it's still\n\nChannel 1: Yep.\n\nChannel 0: kind of a good balance. And when it comes to that asset allocation, it's about the eighty twenty split. So 80\n\nChannel 1: Yep.\n\nChannel 0: combined in those growth investments and 20 in defensive. Are you guys still both kind of comfortable remaining in that risk profile\n\nChannel 1: Yeah.\n\nChannel 0: allocation?\n\nChannel 1: I think so. I think so. Yes.\n\nChannel 0: Yep. Okay. Perfect. Now next up, do you guys have access to your emails at the\n\nChannel 1: Yes.\n\nChannel 0: moment?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Okay. Perfect. So what I have done is I have sent you, Boris, an email. It is identical.\n\nChannel 1: Which\n\nChannel 0: So whether you wanna look together or separate, it's it's up to you.\n\nChannel 1: email was was it the James Halverson or Jay Halves? Never mind. Ellie's got it up.\n\nChannel 0: James.halverson@hotmail.com.\n\nChannel 1: Yep. We're\n\nChannel 0: Yep.\n\nChannel 1: working on Ellie's.\n\nChannel 0: Yep. Perfect. Just have a look sometime while we're on the phone as well just to make sure it did come through to you. We have also changed the software, so it may end up in spam folder.\n\nChannel 1: Okay. Yeah. I've got\n\nChannel 0: So\n\nChannel 1: it\n\nChannel 0: let\n\nChannel 1: up. It\n\nChannel 0: us\n\nChannel 1: said I'll just open up, like, where it says, like, the sign the document one.\n\nChannel 0: yes. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So it's kind of the same. So if it will ask you to click on the link to sign, it doesn't mean it'll ask you to sign right away. It will just basically\n\nChannel 1: Yes.\n\nChannel 0: allow you to click on the link, and then you'll see all the individual attachments first just to make sure you guys are happy with everything before it prompts you to sign anything.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now let me know if you can see the first document, which should be a summary of superannuation and insurance with James.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So they are kind of in order for for both of you. So next document will be same as you can see here, but for you, Ellie. So, obviously,\n\nChannel 1: Yes.\n\nChannel 0: for you,\n\nChannel 1: Thank\n\nChannel 0: James\n\nChannel 1: you. That's awesome. Sorry. Yeah.\n\nChannel 0: no. Perfect. You you both have your superannuation with hub twenty four. Now, James, you can see here that your super balance is at 410,748. You also have your insurances with MetLife.\n\nYou can see the cover amounts listed on that page as well. You have your life and total permanent disability, and that is 1,207,500.\n\nChannel 1: The last one, Jacob. Okay. Yep.\n\nChannel 0: Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or\n\nChannel 1: I think\n\nChannel 0: still happy\n\nChannel 1: that's all\n\nChannel 0: with what\n\nChannel 1: still\n\nChannel 0: you've got?\n\nChannel 1: still good. Yeah.\n\nChannel 0: Yep. Now you also have your income protection, which will pay you that monthly amount of 6,742 if something were to happen on a monthly basis. You have that sixty day waiting period, two year benefit period. Now all those three are paid from within twenty four, but you don't pay for anything out of pocket. You do get that tax rebate.\n\nSo after that, for all three, it's 1,329. Do you have any questions in regards to any of your insurances or anything so far?\n\nChannel 1: Not the insurances. No.\n\nChannel 0: Nope. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Did you have anything in regards to the sofa?\n\nChannel 1: Yeah. Just what do you know just because I can't see it at the moment. Do you know what that annual growth then ended up being from when we did our first\n\nChannel 0: Yes. It's actually two documents away. I'll have that for both of you, showing you\n\nChannel 1: Alright.\n\nChannel 0: what the\n\nChannel 1: That's\n\nChannel 0: individual\n\nChannel 1: cool.\n\nChannel 0: investment's done\n\nChannel 1: Yeah.\n\nChannel 0: for all\n\nChannel 1: Yep.\n\nChannel 0: of them as well in a bit\n\nChannel 1: Alright.\n\nChannel 0: more detail.\n\nChannel 1: Cool. Yep.\n\nChannel 0: Now next document, it's kind\n\nChannel 1: Yep.\n\nChannel 0: of the same situation for you, Ellie. So you will have\n\nChannel 1: Yep.\n\nChannel 0: you'll have 24, your super balance, same for you. MetLife insurances, you have 1,050,000 worth of life and TPD. Also, that income protection monthly amount is\n\nChannel 1: Yeah.\n\nChannel 0: at 4,392. Again, all paid from within hub 24. Tax rebate, $9.05 2. Do you have any questions with your insurances as well?\n\nChannel 1: No. I'm alright. Thank you.\n\nChannel 0: You're good. Alright. Perfect. Now the next two, so there's one for each of you. First one is for you, James.\n\nNow it should say performance with IRR. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: Alright.\n\nChannel 0: Okay.\n\nChannel 1: I'll try it.\n\nChannel 0: Now this one here might look a bit messy because it basically breaks down all your individual investments, how they have performed, and this is the last twelve months. So it shows you the twelve month period\n\nChannel 1: Mhmm.\n\nChannel 0: of what has So between the 08/11/2025 to the 08/10/2026. Now, obviously, when we are looking back at the last twelve months, there has been quite a bit of market fluctuations. So, obviously,\n\nChannel 1: Yes.\n\nChannel 0: I'm sure you guys have had or seen, obviously, everything in The US with Trump and\n\nChannel 1: Yes.\n\nChannel 0: tariffs and everything. Saw a bit of those fluctuations and, obviously, more recently with the war as well. So we have seen quite a bit of turbulent in the market, which is to be expected for what has happened.\n\nChannel 1: Yes.\n\nChannel 0: Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition. So if we start for you, James, which is here, if we're looking at a total portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: now this is all after fees. So after all fees have been deducted from your portfolio, in the last twelve months alone, your portfolio has still gone up by 7.68% after fees,\n\nChannel 1: Yep.\n\nChannel 0: which equates through about 34,018\n\nChannel 1: Yeah.\n\nChannel 0: just for your investment. So that is not from, like, employer contributions. That is\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Perfect. Now talking about investments, and that is the same for both of you, when we are looking at, obviously, investments because, obviously, a lot of things have changed in the last twelve months. So the good thing with hub twenty four is that there is hundreds of different options for us to choose from. And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes. We obviously don't day trade your superannuation.\n\nIt is your long term investment. But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yeah. Perfect. So for both of you, there is one investment that I would like to do. Just a little bit more research and see if we want to swap out, which is the top one, which is called your Benelong Australian equity fund. Can you see that one?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Perfect. So for both of you, that one is, like, your managed fund. So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently. They have done really well in doing so, but more recently, they've been a little bit slower in making their choices.\n\nAnd one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group. Have either of you heard of that? No. Essentially, what happened is that that company had a bit of issues with their reporting, which actually caused them to be suspended from trading. So because\n\nChannel 1: None.\n\nChannel 0: of that, obviously, things fell a little bit. The good thing is that you guys are not invested directly in corporate travel group. You just invested in Fenele, and we can\n\nChannel 1: Yep.\n\nChannel 0: switch switch you out of that, which is very easy. So if you guys are happy for me to do so after the call today, I would like to go and do just a little bit more in-depth research and see if we have a better come option that we can swap that one out for you. I\n\nChannel 1: Yep.\n\nChannel 0: will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do\n\nChannel 1: Yep.\n\nChannel 0: so.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Great. Perfect. Now before I move on to Ellie's performance, do you have any questions for me, James?\n\nChannel 1: No. That seems pretty good. Like, particularly what\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: Yes.\n\nChannel 1: came from in our original super, like, the goals that we talked about and then considering what the market looks like,\n\nChannel 0: Yes.\n\nChannel 1: I'm happy with that. That's great.\n\nChannel 0: Yeah. And we're quite happy with that as well, especially what what has happened in the market. And, again, this is all net off fees as well\n\nChannel 1: Yes.\n\nChannel 0: to show you. So quite happy with that. And, yeah, the good thing is that because we are taking that kind of active approach and you guys have us on board, it's just just part of the service for us to continuously research things as things are changing. Things will always\n\nChannel 1: Yep.\n\nChannel 0: change. But we do wanna make sure we always stay on top of that for you. Now next document, same one for you, Ellie. Can you see that okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So kind of, obviously, the same portfolio. Obviously, because you have different, like, investments sorry. Because you have different insurances and stuff, obviously, the fees that comes out is slightly different. But for you over the same period of time, so, again, August 2025 to the 08/10/2026, the same period of time, your portfolio has gone up by 7.52%. So, again, pretty close.\n\nAnd from a dollar value, that is 17,303. Again, just from your investments, not factoring in any contribution.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now if you can click on the next document for me, you should see that Vanguard index chart\n\nChannel 1: Oh, yeah. Can you make\n\nChannel 0: again.\n\nChannel 1: that big\n\nChannel 0: Yep.\n\nChannel 1: again?\n\nChannel 0: Do you guys remember going through this last time?\n\nChannel 1: No. I don't.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: No. That's it was a little while ago. It's all good. Basically, Vanguard, they do they do publish on every single year. So you will\n\nChannel 1: yep.\n\nChannel 0: the next one will be reduced released on the August 18. So kind of at the end\n\nChannel 1: Yep.\n\nChannel 0: of each financial year, they update it, which is good. Basically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market. This kind\n\nChannel 1: Yep.\n\nChannel 0: of shows you everything historically as well. So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then\n\nChannel 1: Yep.\n\nChannel 0: it takes it to 2025. So you\n\nChannel 1: Yep.\n\nChannel 0: can see that, obviously, that our long term market always goes up. The short\n\nChannel 1: Yep.\n\nChannel 0: term, that will be some of those ups and downs and market fluctuation.\n\nChannel 1: Yeah.\n\nChannel 0: And that is also why the time frame until retirement does become important because the closer you get to retirement, the less time you have for these fluctuations to come back around. But for\n\nChannel 1: Yep.\n\nChannel 0: the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs.\n\nChannel 1: Yes.\n\nChannel 0: Now on the right side, you can also see the different asset classes broken down. So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four. So you have your US shares, which is, like, your light green line there.\n\nChannel 1: Yes.\n\nChannel 0: You have your Australian shares, which is, like, your your darker green. You have international shares, which is, like, your yellow, and then\n\nChannel 1: Yep.\n\nChannel 0: you have property as well, which is, like, that maroon\n\nChannel 1: Mhmm.\n\nChannel 0: So all of these four, you can see grow the most, but also fluctuate the most.\n\nChannel 1: Yep.\n\nChannel 0: And then you do have 20% in your defensive, which is like your bottom three, which you can see a little bit more obviously, quite a lot more stable,\n\nChannel 1: Yep.\n\nChannel 0: but they don't grow as much either.\n\nChannel 1: Yeah.\n\nChannel 0: Does that all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now the next two documents should just be your MetLife insurance certificate of currency, so one for each of you. It\n\nChannel 1: Yep.\n\nChannel 0: just breaks down your insurances in a bit more detail, but, basically, just lets you know that's all paid and up to date.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now after that, it should take you to the Oakview services guide. Let\n\nChannel 1: Yep.\n\nChannel 0: me know if you can see that. Yeah. Perfect. So, again, you guys would have seen this when you first came in through the office, and we did the initial consultation, obviously, going through everything with you. None of the important information has changed.\n\nIt's all kind of the same, but we've had a bit of an update to marketing, which is nice, and a bit of an extension to the team. No other major changes otherwise. If you do wanna put a face to the voice again, if you don't remember, if you wanna scroll down through page 10, you can see myself there again if you do wanna\n\nChannel 1: Yep.\n\nChannel 0: put put a face to the voice. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Any questions so far? It's all\n\nChannel 1: No.\n\nChannel 0: pretty straightforward.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Yep. That's\n\nChannel 0: Great.\n\nChannel 1: all good.\n\nChannel 0: Yep. Now the next document after that one, what's that one that you can see?\n\nChannel 1: This is the consent to new ongoing fee arrangements.\n\nChannel 0: Yep. So there will be one after each other. So this is one for each of you. So James,\n\nChannel 1: Yep.\n\nChannel 0: yours will be first, and then Ellie, yours will be second. There is no changes whatsoever in regards to the fee structure because you guys are on that couple reduced fee. So that stays\n\nChannel 1: Yes.\n\nChannel 0: exactly the same at 1.1 from superannuation, so no changes in regards to that.\n\nChannel 1: Yep.\n\nChannel 0: And like I mentioned last time, it is also not a lock in contract. So if at any point in time you guys are not happy, it is not a lock in contract. But otherwise, by signing this document, it just allows us to manage all your investments, insurances, and super and everything for you in the meantime.\n\nChannel 1: Go ahead.\n\nChannel 0: Yep. So if you guys are happy to do so, it will ask for a little signature for for both of you for that one. And then there should be a last document, which should say option to provide tax on number.\n\nChannel 1: Is there a way that we might have to sign in this, or is it\n\nChannel 0: Yes. So you should say start sign now. There should be, like, a little box for you to click on.\n\nChannel 1: Yeah. I can see that there's a box, but it, like, it flex it, but then nothing happens. And we'll try it\n\nChannel 0: So\n\nChannel 1: back\n\nChannel 0: if\n\nChannel 1: then.\n\nChannel 0: you if you click on the box, it doesn't like, if you click on it, it doesn't bring up, like, a little a box\n\nChannel 1: No. No. Because I could because you're on this side. It might be my side. We'll try and get it on\n\nChannel 0: for\n\nChannel 1: this iPad.\n\nChannel 0: you to scribble on. It should still work on your phone.\n\nChannel 1: Oh, no. Oh, wait. And this is oh, here it says click to start. Uh-huh. It does it\n\nChannel 0: Yes.\n\nChannel 1: did it on the on my one, not on his one.\n\nChannel 0: Okay.\n\nChannel 1: That\n\nChannel 0: Perfect.\n\nChannel 1: makes okay. So sign\n\nChannel 0: Yes. Because if you obviously, on your email, Ellie, it will just ask you to sign your\n\nChannel 1: ah, right.\n\nChannel 0: spot.\n\nChannel 1: Okay.\n\nChannel 0: That's why you\n\nChannel 1: Yep.\n\nChannel 0: have three emails. So then to James, it will be the\n\nChannel 1: Okay.\n\nChannel 0: same for you to go into yours, and he will just ask you to sign your 02/02\n\nChannel 1: Yeah.\n\nChannel 0: documents. Yep.\n\nChannel 1: Got you. Got you. Got you. Okay. It says the eleventh of the eighth\n\nChannel 0: Yes.\n\nChannel 1: twenty sixth.\n\nChannel 0: Which is crazy already. I'm so ready. August.\n\nChannel 1: Okay. And then next time. Okay. Cool.\n\nChannel 0: Yeah. Perfect. Now the next document should say option to provide tax phone number.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Perfect. Now this document here is just a compliance form, but, basically, it just tells you that we are keeping your tax phone number secure and safe on file.\n\nChannel 1: Yes. Okay.\n\nChannel 0: And, again, it will just ask for a signature on that one if you're happy to do so.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Oh, I rendered it. Oh, no. What is\n\nChannel 0: That's okay.\n\nChannel 1: oh,\n\nChannel 0: Take\n\nChannel 1: no.\n\nChannel 0: your time. Sometimes with technology.\n\nChannel 1: Oh, I think it's not back to the very first one. That's really annoying. Okay. One second.\n\nChannel 0: Yeah. Sure. And did you get the email okay, James?\n\nChannel 1: Yes. I'm just into the right now.\n\nChannel 0: Perfect.\n\nChannel 1: Okay. I speak. I was fine. You okay? I'm fine.\n\nI'm fine. I guess. You're not feeling this while I'm speaking? No. Next.\n\nNext. Next. Okay. Next. Next.\n\nNext. Next. Alright. And then I'm gonna do signature. Please have to do it.\n\nYou're technically. Okay. I'm back with that spell one again.\n\nChannel 0: No.\n\nChannel 1: Hopefully,\n\nChannel 0: That's okay.\n\nChannel 1: I'm not gonna press yep. Okay. Done. Great.\n\nChannel 0: Does it does\n\nChannel 1: Okay.\n\nChannel 0: it\n\nChannel 1: And\n\nChannel 0: say\n\nChannel 1: that that should\n\nChannel 0: valid\n\nChannel 1: be the last one.\n\nChannel 0: yeah. So it should just be the true.\n\nChannel 1: Yeah.\n\nChannel 0: And once you've added true, it should say at the bottom, I believe, validate.\n\nChannel 1: Yeah. And then it's like,\n\nChannel 0: Yeah.\n\nChannel 1: it's signed and then a green\n\nChannel 0: Yes.\n\nChannel 1: tick. So\n\nChannel 0: Perfect.\n\nChannel 1: it looks happy.\n\nChannel 0: So that means\n\nChannel 1: Okay.\n\nChannel 0: you've sent through, which is great. You won't come through to me until you're both signed, but then as soon as\n\nChannel 1: You won't be able to\n\nChannel 0: that's\n\nChannel 1: do mine. So you gotta and then you\n\nChannel 0: yeah.\n\nChannel 1: did you do the first one, James? Now you just wanna do the second one? What? Did you Signs my one second. And then that's gonna say.\n\nYeah. Yeah. And then Yeah. And then I'll say, can I try to do that? Oh, Charlie.\n\nIt's saying\n\nChannel 0: That's\n\nChannel 1: loading, loading, loading, but that's probably the same one. Okay. Charlie.\n\nChannel 0: okay.\n\nChannel 1: No pressing buttons, Charlie. We did\n\nChannel 0: Sometimes\n\nChannel 1: well to almost half hour or whatever without any gremlins with us. But\n\nChannel 0: That's very exciting.\n\nChannel 1: No. Thank\n\nChannel 0: While\n\nChannel 1: you.\n\nChannel 0: I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments. Mhmm.\n\nChannel 1: Mhmm.\n\nChannel 0: So it will take me probably about a week to put it together. When is a best time for you guys to do that to go through that together?\n\nChannel 1: What about HVN? I'll pay Tuesday afternoon on the phone again. Is that okay with you?\n\nChannel 0: Yep. Let me have a look. I can't do next Tuesday. I could do next Wednesday, the nineteenth, or the following Tuesday, which is the twenty fifth.\n\nChannel 1: Will you do the twenty fifth, please?\n\nChannel 0: Yep. Yep. That works\n\nChannel 1: Yes.\n\nChannel 0: for you as well, James? Yep. Okay. Perfect. So I will book that in at 4PM for both of you to run through the research on your investments.\n\nIf anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen. Now while I do have you guys on the phone as well, I do wanna just let you know that I will be heading on maternity leave quite soon.\n\nChannel 1: Congratulations.\n\nChannel 0: So thank you very much. So you will have me until the September 10, and then\n\nChannel 1: Yes.\n\nChannel 0: I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that. If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway. And I'll do kind of just a bit of a hands over on everything for for both of you. I will be gone for about twelve months or so,\n\nChannel 1: Yes.\n\nChannel 0: but you'll be in very good, capable hands. And I just wanted to let you both know as well if you do call up, but I'm not here so that you know who's still looking\n\nChannel 1: You've\n\nChannel 0: after\n\nChannel 1: got a\n\nChannel 0: you\n\nChannel 1: good\n\nChannel 0: in\n\nChannel 1: reason.\n\nChannel 0: the meantime.\n\nChannel 1: Yes.\n\nChannel 0: Time. Exactly.\n\nChannel 1: Yes. Do you know do you know if you're having a a boy or a girl?\n\nChannel 0: I am. I'm having a little girl.\n\nChannel 1: Oh, very cool.\n\nChannel 0: Oh, yeah. So it's the it's our first one and the first grandchild on both sides. So\n\nChannel 1: Oh,\n\nChannel 0: I'm sure you guys\n\nChannel 1: no\n\nChannel 0: can\n\nChannel 1: pressure.\n\nChannel 0: imagine. It's a lot.\n\nChannel 1: It's boiling.\n\nChannel 0: A lot of\n\nChannel 1: That\n\nChannel 0: excitement.\n\nChannel 1: will include that. Yeah.\n\nChannel 0: Yeah. So soon I'll know the whole gremlin situation situation as well. But, yeah, very exciting. So, yeah, wanted to let you both know, but, obviously,\n\nChannel 1: Oh.\n\nChannel 0: we've run through the research and everything in two weeks' time. But if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time. But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit\n\nChannel 1: Yep.\n\nChannel 0: closer as well.\n\nChannel 1: That's alright. Great. Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: Easy. Okay. Cool.\n\nChannel 0: No problem at all. Well, I will let you guys go, and enjoy the rest of your afternoon. And I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM.\n\nChannel 1: Okay. Beautiful. Thank you.\n\nChannel 0: No worries at all. We're fixing. Okay. Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.03442423418164253},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.01593836967367679}],"sentiment":"neutral","sentiment_score":0.01702577346826301,"channel":1,"num_words":17,"start":0.24,"end":4.9},{"sentences":[{"text":"Veronica OQ Financial.","start":6.64,"end":8.190001,"sentiment":"neutral","sentiment_score":0.031201962381601334}],"sentiment":"neutral","sentiment_score":0.031201962381601334,"channel":0,"num_words":3,"start":6.64,"end":8.190001},{"sentences":[{"text":"Thanks.","start":14.48,"end":14.98,"sentiment":"positive","sentiment_score":0.4118711352348328},{"text":"Please stay on the line.","start":15.375,"end":16.755001,"sentiment":"neutral","sentiment_score":0.18856387138366698},{"text":"Hello.","start":22.575,"end":22.975,"sentiment":"neutral","sentiment_score":0.04731394350528717},{"text":"Jamie speaking.","start":22.975,"end":23.795,"sentiment":"neutral","sentiment_score":0.039917152374982834}],"sentiment":"neutral","sentiment_score":0.16464874893426895,"channel":1,"num_words":9,"start":14.48,"end":23.795},{"sentences":[{"text":"Good 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anything?","start":762.23,"end":770.385,"sentiment":"neutral","sentiment_score":0.03814630834385753}],"sentiment":"neutral","sentiment_score":0.04458964110485145,"channel":0,"num_words":21,"start":760.63,"end":770.385},{"sentences":[{"text":"No.","start":771.15,"end":771.63,"sentiment":"neutral","sentiment_score":-0.10273012518882751},{"text":"No.","start":771.63,"end":772.005,"sentiment":"neutral","sentiment_score":-0.10947472602128984}],"sentiment":"neutral","sentiment_score":-0.10610242560505867,"channel":1,"num_words":2,"start":771.15,"end":772.005},{"sentences":[{"text":"No.","start":772.28503,"end":772.78503,"sentiment":"neutral","sentiment_score":-0.08804880827665329},{"text":"Perfect.","start":772.925,"end":773.425,"sentiment":"neutral","sentiment_score":0.03811069577932358},{"text":"And when it comes to your superannuation, are you kind of still planning on retiring at 60 when you 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great dog.","start":784.085,"end":784.905,"sentiment":"positive","sentiment_score":0.45916173855463666}],"sentiment":"positive","sentiment_score":0.45916173855463666,"channel":1,"num_words":3,"start":784.085,"end":784.905},{"sentences":[{"text":"As soon as possible.","start":785.48004,"end":786.62006,"sentiment":"neutral","sentiment_score":0.19600000977516174}],"sentiment":"neutral","sentiment_score":0.19600000977516174,"channel":0,"num_words":4,"start":785.48004,"end":786.62006},{"sentences":[{"text":"Yep.","start":786.79004,"end":787.29004,"sentiment":"neutral","sentiment_score":0.05491296201944351}],"sentiment":"neutral","sentiment_score":0.05491296201944351,"channel":1,"num_words":1,"start":786.79004,"end":787.29004},{"sentences":[{"text":"Yep.","start":787.0,"end":787.5,"sentiment":"neutral","sentiment_score":-0.04394061118364334},{"text":"Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?","start":789.0,"end":805.135,"sentiment":"neutral","sentiment_score":-0.03921342924843694}],"sentiment":"neutral","sentiment_score":-0.03932086520150981,"channel":0,"num_words":44,"start":787.0,"end":805.135},{"sentences":[{"text":"High to moderate.","start":806.505,"end":807.565,"sentiment":"neutral","sentiment_score":-0.013445339165627956},{"text":"Yeah.","start":807.705,"end":807.945,"sentiment":"neutral","sentiment_score":0.01093650795519352},{"text":"That's what 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what I have done is I have sent you, Boris, an email.","start":948.34,"end":951.54004,"sentiment":"neutral","sentiment_score":0.15461825694029147},{"text":"It is identical.","start":951.54004,"end":952.76,"sentiment":"neutral","sentiment_score":0.1268258715669314}],"sentiment":"neutral","sentiment_score":0.16033213154265755,"channel":0,"num_words":19,"start":947.22003,"end":952.76},{"sentences":[{"text":"Which","start":952.83,"end":953.33,"sentiment":"neutral","sentiment_score":0.09401971101760864}],"sentiment":"neutral","sentiment_score":0.09401971101760864,"channel":1,"num_words":1,"start":952.83,"end":953.33},{"sentences":[{"text":"So whether you wanna look together or separate, it's it's up to you.","start":952.9,"end":956.44,"sentiment":"neutral","sentiment_score":0.09823016822338104}],"sentiment":"neutral","sentiment_score":0.09823016822338104,"channel":0,"num_words":13,"start":952.9,"end":956.44},{"sentences":[{"text":"email was was it the James Halverson or Jay 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the sofa?","start":1114.27,"end":1116.37,"sentiment":"neutral","sentiment_score":0.00780646875500679}],"sentiment":"neutral","sentiment_score":0.00780646875500679,"channel":0,"num_words":9,"start":1114.27,"end":1116.37},{"sentences":[{"text":"Yeah.","start":1117.165,"end":1117.665,"sentiment":"neutral","sentiment_score":-0.008498432114720345},{"text":"Just what do you know just because I can't see it at the moment.","start":1117.885,"end":1122.16,"sentiment":"neutral","sentiment_score":-0.05255759400980813},{"text":"Do you know what that annual growth then ended up being from when we did our first","start":1122.3,"end":1127.26,"sentiment":"neutral","sentiment_score":-0.03892717291327084}],"sentiment":"neutral","sentiment_score":-0.0439395839930512,"channel":1,"num_words":32,"start":1117.165,"end":1127.26},{"sentences":[{"text":"Yes.","start":1128.3151,"end":1128.795,"sentiment":"neutral","sentiment_score":-0.0028977468609809875},{"text":"It's actually two documents away.","start":1128.795,"end":1130.9551,"sentiment":"neutral","sentiment_score":-0.002112482860684395},{"text":"I'll have that for both of you, showing you","start":1130.9551,"end":1132.875,"sentiment":"neutral","sentiment_score":0.028798779886629846}],"sentiment":"neutral","sentiment_score":0.016381923854351044,"channel":0,"num_words":15,"start":1128.3151,"end":1132.875},{"sentences":[{"text":"Alright.","start":1132.78,"end":1133.1,"sentiment":"neutral","sentiment_score":0.04512874409556389}],"sentiment":"neutral","sentiment_score":0.04512874409556389,"channel":1,"num_words":1,"start":1132.78,"end":1133.1},{"sentences":[{"text":"what the","start":1132.875,"end":1133.1951,"sentiment":"neutral","sentiment_score":0.05703587085008621}],"sentiment":"neutral","sentiment_score":0.05703587085008621,"channel":0,"num_words":2,"start":1132.875,"end":1133.1951},{"sentences":[{"text":"That's","start":1133.1,"end":1133.3401,"sentiment":"neutral","sentiment_score":0.1244794949889183}],"sentiment":"neutral","sentiment_score":0.1244794949889183,"channel":1,"num_words":1,"start":1133.1,"end":1133.3401},{"sentences":[{"text":"individual","start":1133.1951,"end":1133.6951,"sentiment":"neutral","sentiment_score":0.20184338092803955}],"sentiment":"neutral","sentiment_score":0.20184338092803955,"channel":0,"num_words":1,"start":1133.1951,"end":1133.6951},{"sentences":[{"text":"cool.","start":1133.3401,"end":1133.655,"sentiment":"neutral","sentiment_score":0.17694053053855896}],"sentiment":"neutral","sentiment_score":0.17694053053855896,"channel":1,"num_words":1,"start":1133.3401,"end":1133.655},{"sentences":[{"text":"investment's 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kind","start":1140.63,"end":1142.39,"sentiment":"neutral","sentiment_score":0.06508132666349412}],"sentiment":"neutral","sentiment_score":0.06508132666349412,"channel":0,"num_words":5,"start":1140.63,"end":1142.39},{"sentences":[{"text":"Yep.","start":1142.375,"end":1142.875,"sentiment":"neutral","sentiment_score":0.05181732773780823}],"sentiment":"neutral","sentiment_score":0.05181732773780823,"channel":1,"num_words":1,"start":1142.375,"end":1142.875},{"sentences":[{"text":"of the same situation for you, Ellie.","start":1142.39,"end":1144.39,"sentiment":"neutral","sentiment_score":0.09127159629549299},{"text":"So you will have","start":1144.39,"end":1145.03,"sentiment":"neutral","sentiment_score":0.08861029334366322}],"sentiment":"neutral","sentiment_score":0.09030384976755489,"channel":0,"num_words":11,"start":1142.39,"end":1145.03},{"sentences":[{"text":"Yep.","start":1145.015,"end":1145.515,"sentiment":"neutral","sentiment_score":0.08533626794815063}],"sentiment":"neutral","sentiment_score":0.08533626794815063,"channel":1,"num_words":1,"start":1145.015,"end":1145.515},{"sentences":[{"text":"you'll have 24, your super balance, same for you.","start":1145.1901,"end":1148.87,"sentiment":"neutral","sentiment_score":0.10792421797911327},{"text":"MetLife insurances, you have 1,050,000 worth of life and TPD.","start":1148.87,"end":1154.345,"sentiment":"neutral","sentiment_score":0.06945059970021247},{"text":"Also, that income protection monthly amount is","start":1154.805,"end":1158.5651,"sentiment":"neutral","sentiment_score":0.040756048900740485}],"sentiment":"neutral","sentiment_score":0.07504293465843567,"channel":0,"num_words":26,"start":1145.1901,"end":1158.5651},{"sentences":[{"text":"Yeah.","start":1158.54,"end":1159.04,"sentiment":"neutral","sentiment_score":0.0335080586373806}],"sentiment":"neutral","sentiment_score":0.0335080586373806,"channel":1,"num_words":1,"start":1158.54,"end":1159.04},{"sentences":[{"text":"at 4,392.","start":1158.5651,"end":1161.145,"sentiment":"neutral","sentiment_score":0.02571001835167408},{"text":"Again, all paid from within hub 24.","start":1161.285,"end":1163.55,"sentiment":"neutral","sentiment_score":0.046221346727439334},{"text":"Tax rebate, $9.05 2.","start":1163.87,"end":1166.51,"sentiment":"neutral","sentiment_score":0.03883720654994249},{"text":"Do you have any questions with your insurances as 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the good thing with hub twenty four is that there is hundreds of different options for us to choose from.","start":1290.665,"end":1295.485,"sentiment":"positive","sentiment_score":0.5432387448492504},{"text":"And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes.","start":1295.865,"end":1306.9,"sentiment":"neutral","sentiment_score":0.1016392288087257},{"text":"We obviously don't day trade your superannuation.","start":1307.36,"end":1309.7001,"sentiment":"neutral","sentiment_score":-0.0807758771947452}],"sentiment":"neutral","sentiment_score":0.2037683560482257,"channel":0,"num_words":91,"start":1279.16,"end":1309.7001},{"sentences":[{"text":"It is your long term investment.","start":1310.0801,"end":1311.9401,"sentiment":"neutral","sentiment_score":0.16604597556094328},{"text":"But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out.","start":1312.4801,"end":1323.125,"sentiment":"neutral","sentiment_score":-0.024647632520645855},{"text":"Does that make 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one?","start":1339.08,"end":1340.46,"sentiment":"neutral","sentiment_score":0.09326389878988266}],"sentiment":"neutral","sentiment_score":0.1871687829190371,"channel":0,"num_words":49,"start":1324.885,"end":1340.46},{"sentences":[{"text":"Yes.","start":1341.145,"end":1341.645,"sentiment":"neutral","sentiment_score":0.06626684218645096},{"text":"Yes.","start":1341.705,"end":1342.205,"sentiment":"neutral","sentiment_score":0.08466501533985138}],"sentiment":"neutral","sentiment_score":0.07546592876315117,"channel":1,"num_words":2,"start":1341.145,"end":1342.205},{"sentences":[{"text":"Yeah.","start":1342.2,"end":1342.6799,"sentiment":"neutral","sentiment_score":0.15838894248008728},{"text":"Perfect.","start":1342.6799,"end":1343.1799,"sentiment":"positive","sentiment_score":0.3370150327682495},{"text":"So for both of you, that one is, like, your managed fund.","start":1343.32,"end":1346.395,"sentiment":"neutral","sentiment_score":0.2167049286266168},{"text":"So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently.","start":1346.395,"end":1353.455,"sentiment":"neutral","sentiment_score":0.24998215703587784},{"text":"They have done really well in doing so, but more recently, they've been a little bit slower in making their choices.","start":1354.155,"end":1361.1,"sentiment":"neutral","sentiment_score":-0.07062314024993352}],"sentiment":"neutral","sentiment_score":0.1178229288370521,"channel":0,"num_words":54,"start":1342.2,"end":1361.1},{"sentences":[{"text":"And one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group.","start":1362.04,"end":1374.135,"sentiment":"neutral","sentiment_score":-0.0952403189566655},{"text":"Have either of you heard of 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obviously,","start":2188.28,"end":2190.52,"sentiment":"neutral","sentiment_score":0.048904836922883985}],"sentiment":"neutral","sentiment_score":0.10415828858430569,"channel":0,"num_words":26,"start":2181.175,"end":2190.52},{"sentences":[{"text":"Oh.","start":2190.395,"end":2190.895,"sentiment":"neutral","sentiment_score":0.038808804005384445}],"sentiment":"neutral","sentiment_score":0.038808804005384445,"channel":1,"num_words":1,"start":2190.395,"end":2190.895},{"sentences":[{"text":"we've run through the research and everything in two weeks' time.","start":2190.52,"end":2194.54,"sentiment":"neutral","sentiment_score":0.05460328033024615},{"text":"But if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time.","start":2194.76,"end":2204.265,"sentiment":"neutral","sentiment_score":0.07553904033020924},{"text":"But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit","start":2204.565,"end":2211.605,"sentiment":"neutral","sentiment_score":0.11862298672397932}],"sentiment":"neutral","sentiment_score":0.08898492680886123,"channel":0,"num_words":79,"start":2190.52,"end":2211.605},{"sentences":[{"text":"Yep.","start":2211.51,"end":2212.01,"sentiment":"neutral","sentiment_score":0.06107622385025024}],"sentiment":"neutral","sentiment_score":0.06107622385025024,"channel":1,"num_words":1,"start":2211.51,"end":2212.01},{"sentences":[{"text":"closer as well.","start":2211.605,"end":2212.5898,"sentiment":"neutral","sentiment_score":0.1151460111141205}],"sentiment":"neutral","sentiment_score":0.1151460111141205,"channel":0,"num_words":3,"start":2211.605,"end":2212.5898},{"sentences":[{"text":"That's alright.","start":2212.955,"end":2213.5151,"sentiment":"positive","sentiment_score":0.4155053049325943},{"text":"Great.","start":2213.5151,"end":2213.7551,"sentiment":"positive","sentiment_score":0.8638867139816284},{"text":"Thank 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all.","start":2215.13,"end":2216.01,"sentiment":"positive","sentiment_score":0.6623035669326782},{"text":"Well, I will let you guys go, and enjoy the rest of your afternoon.","start":2216.01,"end":2218.8098,"sentiment":"positive","sentiment_score":0.7561710136277335},{"text":"And I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM.","start":2218.8098,"end":2223.95,"sentiment":"positive","sentiment_score":0.6434305790397856}],"sentiment":"positive","sentiment_score":0.6893710800343089,"channel":0,"num_words":36,"start":2215.13,"end":2223.95},{"sentences":[{"text":"Okay.","start":2224.155,"end":2224.475,"sentiment":"positive","sentiment_score":0.5576170682907104},{"text":"Beautiful.","start":2224.475,"end":2224.795,"sentiment":"positive","sentiment_score":0.8344153165817261},{"text":"Thank 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fixing.","start":2226.89,"end":2229.199,"sentiment":"positive","sentiment_score":0.42478227615356445},{"text":"Okay.","start":2229.259,"end":2229.759,"sentiment":"neutral","sentiment_score":0.27121850848197937},{"text":"Bye.","start":2229.8188,"end":2230.3188,"sentiment":"neutral","sentiment_score":0.2658098340034485}],"sentiment":"positive","sentiment_score":0.3976115845143795,"channel":0,"num_words":8,"start":2226.0898,"end":2230.3188},{"sentences":[{"text":"Bye.","start":2230.059,"end":2230.559,"sentiment":"neutral","sentiment_score":0.22607676684856415},{"text":"Bye.","start":2230.779,"end":2231.279,"sentiment":"neutral","sentiment_score":-0.10915103554725648}],"sentiment":"neutral","sentiment_score":0.05846286565065383,"channel":1,"num_words":2,"start":2230.059,"end":2231.279}]},"summary":{"result":"success","short":"The Financial representative discusses personal and financial information with James Halbertson and Ellie Yep, as well as their car lease and motor vehicle insurance. They review their income and property, including car repairs and property. The speakers also discuss their risk tolerance and retirement goals, and provide information on their investments and portfolios. They provide guidance on managing their investments and insurances, including signing a compliance form and obtaining a tax phone number. The representative provides guidance on accessing money and the growth portfolio, as well as providing information on the process of obtaining a MetLife insurance certificate and consent to new ongoing fee arrangements."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Veronica OQ Financial.","start_word":1,"end_word":19,"intents":[{"intent":"Discuss calls","confidence_score":0.16136025}]},{"text":"Jamie speaking. Good afternoon, I James. just This spoke is Veronica a while ago. Who am I supposed from Financial. to? How are you? Yeah.","start_word":27,"end_word":51,"intents":[{"intent":"Confirm identity","confidence_score":0.49081674}]},{"text":"Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at?","start_word":264,"end_word":329,"intents":[{"intent":"Ask for clarification","confidence_score":0.0017020793}]},{"text":"we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom? And, obviously, Yes.","start_word":340,"end_word":368,"intents":[{"intent":"Assess investment options and finances","confidence_score":0.0000041408725}]},{"text":"Now I do wanna triple check income if that has changed. So for Ellie, for you, I have 73,000. Is that Yes.","start_word":700,"end_word":721,"intents":[{"intent":"Confirm income status","confidence_score":0.002711446}]},{"text":"And, James, do you still have a no later lease agreement for your car? That's correct.","start_word":1012,"end_word":1027,"intents":[{"intent":"Check lease agreement","confidence_score":0.20132443}]},{"text":"I can do a very quick check. It's going to be one moment. Yeah.","start_word":1091,"end_word":1104,"intents":[{"intent":"Check savings","confidence_score":0.2583065}]},{"text":"And did you get any update on the car change Yes. at all?","start_word":1303,"end_word":1315,"intents":[{"intent":"Update car update","confidence_score":0.0029897175}]},{"text":"the the value vehicle value for FBT is 67,000. The residual Yep. amount is 20,000, but that's August 2028.","start_word":1320,"end_word":1338,"intents":[{"intent":"Confirm vehicle value","confidence_score":0.22946583}]},{"text":"Now estate planning wise, do you guys have a will or power of attorney or anything like that in place? Yes.","start_word":1506,"end_word":1526,"intents":[{"intent":"Request document information","confidence_score":0.00003100824}]},{"text":"And the good thing with nominating a spouse is that it is completely tax free as well if something were to happen, which is great. Now are either of you politically exposed at all, directly involved in politics? No. No.","start_word":1701,"end_word":1740,"intents":[{"intent":"Evaluate spouse's tax status","confidence_score":0.05350189}]},{"text":"Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? High to moderate. Yeah.","start_word":2017,"end_word":2063,"intents":[{"intent":"Evaluate superannuation risk","confidence_score":0.13610171}]},{"text":"Now next up, do you guys have access to your emails at the Yes. moment? Yep.","start_word":2441,"end_word":2456,"intents":[{"intent":"Check availability and update information","confidence_score":0.000007869835}]},{"text":"Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or I think still happy that's all with what still you've got? still good.","start_word":2774,"end_word":2816,"intents":[{"intent":"Check insurance coverage","confidence_score":0.017171552}]},{"text":"First one is for you, James. Now it should say performance with IRR. Can you see that? Yes.","start_word":3080,"end_word":3097,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0024703015}]},{"text":"Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition.","start_word":3232,"end_word":3254,"intents":[{"intent":"Improve portfolio performance and performance","confidence_score":0.0000044370545}]},{"text":"So the good thing with hub twenty four is that there is hundreds of different options for us to choose from.","start_word":3362,"end_word":3382,"intents":[{"intent":"Explore options","confidence_score":0.0024152487}]},{"text":"But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense?","start_word":3426,"end_word":3469,"intents":[{"intent":"Swap investments","confidence_score":0.46094066}]},{"text":"But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense? Yep.","start_word":3426,"end_word":3470,"intents":[{"intent":"Provide research and recommendations for swapping","confidence_score":0.0000036855495}]},{"text":"will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do Yep. so.","start_word":3741,"end_word":3782,"intents":[{"intent":"Discuss impact and fees","confidence_score":0.052738406}]},{"text":"Basically, Vanguard, they do they do publish on every single year. So you will yep. the next one will be reduced released on the August 18. So kind of at the end Yep. of each financial year, they update it, which is good. Basically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market.","start_word":4092,"end_word":4161,"intents":[{"intent":"Revise information","confidence_score":0.00015058515}]},{"text":"So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then Yep. it takes it to 2025. So you Yep.","start_word":4173,"end_word":4211,"intents":[{"intent":"Explain current insurance status","confidence_score":0.000015466872}]},{"text":"So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then Yep. it takes it to 2025. So you Yep. can see that, obviously, that our long term market always goes up. The short Yep. term, that will be some of those ups and downs and market fluctuation.","start_word":4173,"end_word":4239,"intents":[{"intent":"Explain market fluctuations","confidence_score":0.057217732}]},{"text":"the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs. Yes.","start_word":4275,"end_word":4307,"intents":[{"intent":"Explain dollar amount","confidence_score":0.004113447},{"intent":"Discuss bank account","confidence_score":0.00025551065}]},{"text":"Now on the right side, you can also see the different asset classes broken down. So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four. So you have your US shares, which is, like, your light green line there. Yes.","start_word":4308,"end_word":4360,"intents":[{"intent":"Explain asset groups","confidence_score":0.002668531}]},{"text":"me know if you can see that. Yeah. Perfect.","start_word":4521,"end_word":4529,"intents":[{"intent":"Request assistance","confidence_score":0.017936252}]},{"text":"So if you guys are happy to do so, it will ask for a little signature for for both of you for that one. And then there should be a last document, which should say option to provide tax on number. Is there a way that we might have to sign in this, or is it Yes. So you should say start sign now. There should be, like, a little box for you to click on. Yeah.","start_word":4813,"end_word":4889,"intents":[{"intent":"Confirm sign-in process","confidence_score":0.02779646}]},{"text":"So then to James, it will be the Okay. same for you to go into yours, and he will just ask you to sign your 02/02 Yeah. documents.","start_word":5039,"end_word":5066,"intents":[{"intent":"Contact printers","confidence_score":2.2752022e-7}]},{"text":"I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments.","start_word":5469,"end_word":5503,"intents":[{"intent":"Book investment research","confidence_score":0.15670861}]},{"text":"So I will book that in at 4PM for both of you to run through the research on your investments. If anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen.","start_word":5598,"end_word":5649,"intents":[{"intent":"Book investment research","confidence_score":0.2883414},{"intent":"Get rescheduled appointment","confidence_score":0.0053205336}]},{"text":"I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that.","start_word":5697,"end_word":5727,"intents":[{"intent":"Handover contact details","confidence_score":0.30390596}]},{"text":"I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that. If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway.","start_word":5697,"end_word":5751,"intents":[{"intent":"Send email","confidence_score":0.23880626}]},{"text":"will include that. Yeah.","start_word":5892,"end_word":5895,"intents":[{"intent":"Include excitement","confidence_score":0.025624797}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Veronica OQ Financial.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.020887108519673347},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.4118711352348328},{"text":"Please stay on the line. Hello. Jamie speaking. Good afternoon, I James. just This spoke is Veronica a while ago. Who am I supposed from Financial. to? How are you? Yeah.","start_word":21,"end_word":51,"sentiment":"neutral","sentiment_score":0.08467799425125122},{"text":"Very good.","start_word":52,"end_word":53,"sentiment":"positive","sentiment_score":0.49411505460739136},{"text":"Yourself?","start_word":54,"end_word":54,"sentiment":"neutral","sentiment_score":0.2891490161418915},{"text":"Hi. I'm good. Thanks.","start_word":55,"end_word":58,"sentiment":"positive","sentiment_score":0.45434051752090454},{"text":"I'm just I gonna had pop you on speaker phone so that Ellie Yep. and I can both hear you. Hang on a second. Yep. Here we go. Perfect. Can you hear You guys me? can yeah. Can you Hi. hear me okay? Yep. Definitely can. Yep.","start_word":59,"end_word":105,"sentiment":"neutral","sentiment_score":0.1084177941083908},{"text":"Perfect.","start_word":106,"end_word":106,"sentiment":"positive","sentiment_score":0.5618718266487122},{"text":"I had you both in to go over your annual reviews. Is now still a good time for you both? Yes, please. Yep. Okay. Okay. Perfect. Now just before I do go any further, I just need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Yep. Perfect. And just for security purposes as well, just so that I can confirm I'm speaking with the right people, could I please get both of you just to confirm your full name, date of birth, and address, please? Yep. James Halbertson, 14th Of 3rd 1984, Head Sutton Court, Parkwood. Yep. 4214. Don't know if you know cover that. I have the same address, Yes. and then my date of birth is the sixteenth of the eleventh nineteen eighty eight. Yep. Perfect. And how you've both been? You've been good? Busy. Busy, but Life. yeah. Yeah.","start_word":107,"end_word":260,"sentiment":"neutral","sentiment_score":0.09369166940450668},{"text":"Oh, that's great.","start_word":261,"end_word":263,"sentiment":"positive","sentiment_score":0.5358402729034424},{"text":"Now before I kind of jump into things with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions either you have that you want me to focus a bit more on or whether it's just kind of a bit of an update and see where everything's at? I think an update so I think when Mhmm. we spoke to you originally, like, we had sort of looked at the idea of, like, can we afford investment property to work with Ellie's mom? And, obviously, Yes. with the market and interest rates and the fact Yes. that we're at the time, we're at the time, we were kinda like, oh, it's a bit risky. Yeah.","start_word":264,"end_word":396,"sentiment":"neutral","sentiment_score":-0.014987354411890632},{"text":"No. I'm happy we didn't.","start_word":397,"end_word":401,"sentiment":"negative","sentiment_score":-0.3833378851413727},{"text":"Where Ellie still wants to do Yes. point six working.","start_word":402,"end_word":411,"sentiment":"neutral","sentiment_score":-0.15358255803585052},{"text":"And with all of that, we're happy not to be pursuing any of that at this stage.","start_word":412,"end_word":428,"sentiment":"negative","sentiment_score":-0.36054685711860657},{"text":"Yep. Yep. So Yep. I I think, really, it is just a case of checking in on what I I think, really, like, we're just happy to You can't do Yep. it. Having you guys manage our, like, super and that kind of stuff, and then Yep. Yep. that's really it at the moment. Yep. Yep. And we can always take it as counts as well. And, obviously, we'd like the budget changes with investment properties and everything like that as well. There's obviously been a lot of changes, and we can, yeah, definitely just focus mainly for now on, obviously, your super insurances, investments, make sure that's all sorted. And then if it's ever a point where either we want to explore further different investments or different strategies or whatever it might be, we can always, you know, have a look at that whenever you guys are ready. Perfect. Yep. Yeah. Perfect. So what I will do first is just to go through just a bit of an updated fact find with both of you just to see if there is anything major that has changed in in your life since we spoke last and if we need to Yep. make any tweaks and changes to your advice. So kind of bear with me as I go through this. Now, obviously, personal information that hasn't changed. Still married with true financial dependents. Yep. Yep. Yep.","start_word":429,"end_word":664,"sentiment":"neutral","sentiment_score":0.05654900148510933},{"text":"Beautiful.","start_word":665,"end_word":665,"sentiment":"positive","sentiment_score":0.4867245554924011},{"text":"And I do have each other nominated as next of kin. That's obviously still the case as Yep. well. Yep. Yep. Now occupation wise, has that changed for either of you? Yep. No.","start_word":666,"end_word":698,"sentiment":"neutral","sentiment_score":0.13151105476373975},{"text":"Perfect.","start_word":699,"end_word":699,"sentiment":"positive","sentiment_score":0.3724745213985443},{"text":"Now I do wanna triple check income if that has changed. So for Ellie, for you, I have 73,000. Is that Yes. That that still seems that's to be alright. still the Yeah. yep.","start_word":700,"end_word":733,"sentiment":"neutral","sentiment_score":0.12314165383577348},{"text":"Perfect.","start_word":734,"end_word":734,"sentiment":"positive","sentiment_score":0.40434160828590393},{"text":"And, James, for you, I have about a 112. Yeah. That's that's fine. Yep. That's the same? Okay.","start_word":735,"end_word":752,"sentiment":"neutral","sentiment_score":0.1458072066307068},{"text":"Great. Perfect.","start_word":753,"end_word":754,"sentiment":"positive","sentiment_score":0.5221019983291626},{"text":"Now let me see here. Now, James, salary sacrifice, are you still doing that as well? Yep. Perfect. So no changes in regards to that. Asset wise, Yes. I have here your property last was valued at about 1.3. Do you guys know if that's roughly the same or has that changed? 1.3. Yes. Yep. That sounds about right. I think it's 4.3, and I was like, what? Still out of me. 1.3. That's good. Alright. And I had mortgage at about 540,000. Yeah. The down a bit since then, but not that Yeah. far. How what would Yeah. you Can you reckon? I'll respond to the bank. Okay. Perfect. James. Camper trailer 8,000 still? No. Oh, no. No. We have No? one a new one of those. Probably Okay. 30? 40. 30. 40? That tells you 40. how much time. Right? Yeah. 40. Perfect. Actually, And 45. Actually, 40 forty five. 5. Okay. Perfect. Yep. Forty Okay. So do we add that number to that, five. or is it you tell them? Yeah. You add that to it or just Yeah. So about 520 Sorry. 2,000 on the house. Perfect. $5.01 22. Now with the new Tampa trailer as well, did you guys have anything owing on that one? Mhmm. No. It's owned outright. Okay. Perfect. Now motor vehicles, I have here l e c u. It was worth about 25,000. Yeah. That's Yeah. Probably A little bit less. $20.22 20. still about 22. Perfect. And Yep. still, obviously, nothing owing on that one? Correct.","start_word":755,"end_word":1010,"sentiment":"neutral","sentiment_score":0.0268059047521092},{"text":"Perfect.","start_word":1011,"end_word":1011,"sentiment":"positive","sentiment_score":0.5388529896736145},{"text":"And, James, do you still have a no later lease agreement for your car? That's correct. Yes. Okay.","start_word":1012,"end_word":1029,"sentiment":"neutral","sentiment_score":0.1370951235294342},{"text":"Perfect.","start_word":1030,"end_word":1030,"sentiment":"positive","sentiment_score":0.3713833689689636},{"text":"And if you were to buy it, sell it, would it be worth about $70, would you say, the car? Yes. Yeah. And if you were to, obviously, cancel and pay out the the remainder of the lease, would it be about 60 owing or a little bit less? The amount owing on it Mhmm. Could be less than that. I can do a very quick check. It's going to be one moment. Yeah.","start_word":1031,"end_word":1104,"sentiment":"neutral","sentiment_score":-0.02671092003583908},{"text":"I have a terrible app that's really not helpful.","start_word":1105,"end_word":1113,"sentiment":"negative","sentiment_score":-0.6977565884590149},{"text":"Sure. That's Okay. okay. You can you can take your time. I can check, Yeah. Probably Ellie, with you. I have savings about 4,400. update probably about that because, like, we bought our you know, it's our thing in our home loan one. It's, like, $16. Is that Canvas savings in this? Or is that Sorry. I've been done not listening to what you thought. Think how much is what I have in savings? Well, nothing. So at the moment, we have Like, everything's So that of that 520, we said, owing Mhmm. on the loan, Yep. we have about 6 16 or 17? 16 or almost 17. $17 of that available, which is our savings, essentially. So we have Okay. like, all of our So savings is that are sitting on the line. in an off set, or did you, Yes. like, a No. redraw? It's a a razor roll. A redraw. Okay. Perfect. That's all good. Sorry. Total owing is the 522, but then you have 17 that you could redraw if you wanted to. Is that correct? Correct. Yes. Yep. Okay. Perfect.","start_word":1114,"end_word":1298,"sentiment":"neutral","sentiment_score":-0.012097620405256748},{"text":"That is all good.","start_word":1299,"end_word":1302,"sentiment":"positive","sentiment_score":0.3747568130493164},{"text":"And did you get any update on the car change Yes. at all? Or So if yeah? the the value vehicle value for FBT is 67,000. The residual Yep. amount is 20,000, but that's August 2028. So Okay. yeah. Rough roughly. And there was a '28, did you say? Twenty eight thousand? The residual amount, 20,000 for '20 Twenty. '20, that the year 2028. Okay.","start_word":1303,"end_word":1367,"sentiment":"neutral","sentiment_score":0.018409641803457187},{"text":"Perfect.","start_word":1368,"end_word":1368,"sentiment":"positive","sentiment_score":0.4112316966056824},{"text":"So Yep. in here, 2028.","start_word":1369,"end_word":1373,"sentiment":"neutral","sentiment_score":0.15215246379375458},{"text":"Great.","start_word":1374,"end_word":1374,"sentiment":"positive","sentiment_score":0.5389782190322876},{"text":"Any other assets that's changed or you guys bought in the last since we spoke last? Any other motor vehicles or motorbikes No. That or boats? Nope. no. That's that's it.","start_word":1375,"end_word":1405,"sentiment":"neutral","sentiment_score":0.07839448004961014},{"text":"That's all good. Perfect.","start_word":1406,"end_word":1409,"sentiment":"positive","sentiment_score":0.4703391194343567},{"text":"Now have either of you had any changes to your health in the last twelve months or so? Any injuries or medications or anything? No. No no meds or injuries. Boring your meds is good.","start_word":1410,"end_word":1444,"sentiment":"neutral","sentiment_score":0.057000771164894104},{"text":"That's great. I like that.","start_word":1445,"end_word":1449,"sentiment":"positive","sentiment_score":0.6178096532821655},{"text":"Yeah. It's worth being like, oh, yeah. I was diagnosed with this and this and this and this. No. I like boring when it comes to health. Yeah. Now do either of you have private health insurance as well? Yes. Yes. They got it. Okay. Perfect. And that'd be hospital as Yep. well? Yep. Okay. Perfect. Now estate planning wise, do you guys have a will or power of attorney or anything like that in place? Yes. We have it through Yes. the Queensland Trust, whatever it is. But yes.","start_word":1450,"end_word":1539,"sentiment":"neutral","sentiment_score":0.03719254583120346},{"text":"Perfect. That's good.","start_word":1540,"end_word":1542,"sentiment":"positive","sentiment_score":0.40699079632759094},{"text":"And do you did you do you know if you made a nomination for power of attorney as part of, like, the will and stuff? No. Because we had to make a separate appointment for that one, and we didn't. No. Okay. Yeah. Yeah. Now we're done. No. Okay. That's all good. But you got a will anyway. Did you in the will do anything in regards to our guardianships or anything as well? Yeah. That was Yeah. Yeah. Yeah. That was pretty much the the thing that we Yeah. Yeah. Now I have two kids in ahead. We probably should probably be grown up to that. So it's Yeah. Yeah. Yeah.","start_word":1543,"end_word":1654,"sentiment":"neutral","sentiment_score":0.030755572021007534},{"text":"You got the real sort of, so that is perfect.","start_word":1655,"end_word":1664,"sentiment":"positive","sentiment_score":0.368571937084198},{"text":"Now I can see here as well that, obviously, full beneficiaries. So in the event that something were to happen to either of you, you have each other nominated. That's still correct? Yep. Yes. Yep.","start_word":1665,"end_word":1699,"sentiment":"neutral","sentiment_score":0.11960022023745946},{"text":"Perfect. And the good thing with nominating a spouse is that it is completely tax free as well if something were to happen, which is great.","start_word":1700,"end_word":1725,"sentiment":"positive","sentiment_score":0.7249960899353027},{"text":"Now are either of you politically exposed at all, directly involved in politics? No. No. That's the same for you, Ellie? Correct. Yep. Perfect. And do you earn any income overseas at all, like a tax resident in a foreign jurisdiction? No. No. Okay. Perfect. Otherwise, aside from obviously kind of focusing on what you are doing right now, do you have any other particular goals that you are focusing on in the next couple of years aside from family holidays, reducing mortgage, maybe doing some renovations? Is there anything else that you guys No. are That focusing that's on? all the time. On? Yeah. We Yep. don't do that painting Nice. clinics at least three or so years. Yep. Yep. Okay.","start_word":1726,"end_word":1847,"sentiment":"neutral","sentiment_score":0.018301844596862793},{"text":"Perfect.","start_word":1848,"end_word":1848,"sentiment":"positive","sentiment_score":0.3439211845397949},{"text":"Now the next thing I do wanna run over with you both, it is just an updated that kind of risk profile questionnaire. It is a little bit shorter version, though, to make it nice and easy. Again, it is just multiple choice. Okay. No right or wrong answer, but it is just to see if any of your risk tolerance has changed and if we need to many make any tweaks and changes to how the money is invested. Yep. Yep. So it is quite similar to to last time, but just let me know if it doesn't make sense. Okay? Sure. Perfect. Now either of you have you ever invested in any personal investments, like managed funds or direct shares or anything? No. No. No. Perfect. And when it comes to your superannuation, are you kind of still planning on retiring at 60 when you can? That's Yes. still kind That of would the be focus.","start_word":1849,"end_word":2006,"sentiment":"neutral","sentiment_score":0.019910143688321114},{"text":"a great dog.","start_word":2007,"end_word":2009,"sentiment":"positive","sentiment_score":0.4425283372402191},{"text":"As soon as possible. Yep. Yep. Now when it comes to how much risk you are comfortable with taking for your superannuation, Would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? High to moderate. Yeah. That's what I High was to looking moderate? for.","start_word":2010,"end_word":2071,"sentiment":"neutral","sentiment_score":-0.003990024568573121},{"text":"So well done.","start_word":2072,"end_word":2074,"sentiment":"positive","sentiment_score":0.48840588331222534},{"text":"You hold on.","start_word":2075,"end_word":2077,"sentiment":"neutral","sentiment_score":0.2687130570411682},{"text":"Okay. Perfect.","start_word":2078,"end_word":2079,"sentiment":"positive","sentiment_score":0.4443972110748291},{"text":"Now next is when it comes to fluctuations. So if, hypothetically speaking, you place an investment, and then after six months, it's decreased in value by 20% due to kind of general trends in the market. Would you, if you had the option to do so, think that now is while the prices are down? Would you just kind of be a bit more neutral, just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you're out in selling when the prices have already I'll probably do the neutral choice. dropped. Neutral? Yep. Let And James? me Yes. I've got no idea. That's okay. What You are did you guys say telling new me? you said you said you said neutral last time. It was like, Okay. oh, Let's go back then. I'm happy neutral. with what I thought last time. I trust Okay. I trust myself from the past. No problem. Now that basically tells me here that you guys have come out pretty much exactly the same as as last time we spoke, which is that kind of growth portfolio. Do you guys Yeah. remember what it means to be a growth investor at all? No. No. It is a lot we're less we're happy to take a little bit of risk, not all of it being the high risk ones, basically. No. Yeah. Exactly. So it's, like, kind of somewhere in the middle where you are still focusing on growth. Your your main focus is to maximize growth in your super while you still have plenty Yeah. of time. You will Yep. see some short term fluctuations because you are invested in those growth investments, but it is not your high growth or aggressive. So it's still Yep. kind of a good balance. And when it comes to that asset allocation, it's about the eighty twenty split. So 80 Yep. combined in those growth investments and 20 in defensive. Are you guys still both kind of comfortable remaining in that risk profile Yeah. allocation? I think so. I think so. Yes. Yep. Okay.","start_word":2080,"end_word":2439,"sentiment":"neutral","sentiment_score":0.02086934457636542},{"text":"Perfect.","start_word":2440,"end_word":2440,"sentiment":"positive","sentiment_score":0.4310412406921386},{"text":"Now next up, do you guys have access to your emails at the Yes. moment? Yep. Yes. Okay.","start_word":2441,"end_word":2458,"sentiment":"neutral","sentiment_score":0.0948641374707222},{"text":"Perfect.","start_word":2459,"end_word":2459,"sentiment":"positive","sentiment_score":0.39439892768859863},{"text":"So what I have done is I have sent you, Boris, an email. It is identical. Which So whether you wanna look together or separate, it's it's up to you. email was was it the James Halverson or Jay Halves? Never mind. Ellie's got it up. James.halverson@hotmail.com. Yep. We're Yep. working on Ellie's. Yep.","start_word":2460,"end_word":2513,"sentiment":"neutral","sentiment_score":0.08354165405035019},{"text":"Perfect.","start_word":2514,"end_word":2514,"sentiment":"positive","sentiment_score":0.509366512298584},{"text":"Just have a look sometime while we're on the phone as well just to make sure it did come through to you. We have also changed the software, so it may end up in spam folder. Okay. Yeah. I've got So it let up. It us said I'll just open up, like, where it says, like, the sign the document one. yes. Yep. Yep. So it's kind of the same. So if it will ask you to click on the link to sign, it doesn't mean it'll ask you to sign right away. It will just basically Yes. allow you to click on the link, and then you'll see all the individual attachments first just to make sure you guys are happy with everything before it prompts you to sign anything. Yes.","start_word":2515,"end_word":2646,"sentiment":"neutral","sentiment_score":0.09853579849004744},{"text":"Perfect.","start_word":2647,"end_word":2647,"sentiment":"positive","sentiment_score":0.47226482629776},{"text":"Now let me know if you can see the first document, which should be a summary of superannuation and insurance with James. Yes. Yep.","start_word":2648,"end_word":2671,"sentiment":"neutral","sentiment_score":0.25490137934684753},{"text":"Perfect. So they are kind of in order for for both of you.","start_word":2672,"end_word":2684,"sentiment":"positive","sentiment_score":0.4220901131629944},{"text":"So next document will be same as you can see here, but for you, Ellie. So, obviously, Yes.","start_word":2685,"end_word":2702,"sentiment":"neutral","sentiment_score":0.24008652567863464},{"text":"for you, Thank James you. That's awesome.","start_word":2703,"end_word":2709,"sentiment":"positive","sentiment_score":0.571405291557312},{"text":"Sorry. Yeah. no. Perfect. You you both have your superannuation with hub twenty four. Now, James, you can see here that your super balance is at 410,748. You also have your insurances with MetLife. You can see the cover amounts listed on that page as well. You have your life and total permanent disability, and that is 1,207,500. The last one, Jacob. Okay. Yep. Now with your life and TPD insurance, are you still happy with the level of cover you have for life and TPD, or would you wanna make any changes or I think still happy that's all with what still you've got?","start_word":2710,"end_word":2814,"sentiment":"neutral","sentiment_score":0.11264746288458506},{"text":"still good.","start_word":2815,"end_word":2816,"sentiment":"positive","sentiment_score":0.3347109258174896},{"text":"Yeah. Yep. Now you also have your income protection, which will pay you that monthly amount of 6,742 if something were to happen on a monthly basis. You have that sixty day waiting period, two year benefit period. Now all those three are paid from within twenty four, but you don't pay for anything out of pocket. You do get that tax rebate. So after that, for all three, it's 1,329. Do you have any questions in regards to any of your insurances or anything so far? Not the insurances. No. Nope. Perfect. Yep. Did you have anything in regards to the sofa? Yeah. Just what do you know just because I can't see it at the moment. Do you know what that annual growth then ended up being from when we did our first Yes. It's actually two documents away. I'll have that for both of you, showing you Alright. what the That's individual cool. investment's done Yeah. for all Yep. of them as well in a bit Alright. more detail. Cool. Yep. Now next document, it's kind Yep. of the same situation for you, Ellie. So you will have Yep. you'll have 24, your super balance, same for you. MetLife insurances, you have 1,050,000 worth of life and TPD. Also, that income protection monthly amount is Yeah. at 4,392. Again, all paid from within hub 24. Tax rebate, $9.05 2. Do you have any questions with your insurances as well? No. I'm alright.","start_word":2817,"end_word":3061,"sentiment":"neutral","sentiment_score":0.05617356672883034},{"text":"Thank you. You're good. Alright. Perfect.","start_word":3062,"end_word":3067,"sentiment":"positive","sentiment_score":0.4811846017837525},{"text":"Now the next two, so there's one for each of you. First one is for you, James. Now it should say performance with IRR. Can you see that? Yes. Yes. Alright. Okay. I'll try it. Now this one here might look a bit messy because it basically breaks down all your individual investments, how they have performed, and this is the last twelve months. So it shows you the twelve month period Mhmm. of what has So between the 08/11/2025 to the 08/10/2026. Now, obviously, when we are looking back at the last twelve months, there has been quite a bit of market fluctuations. So, obviously, Yes. I'm sure you guys have had or seen, obviously, everything in The US with Trump and Yes. tariffs and everything. Saw a bit of those fluctuations and, obviously, more recently with the war as well.","start_word":3068,"end_word":3209,"sentiment":"neutral","sentiment_score":-0.01751942468256178},{"text":"So we have seen quite a bit of turbulent in the market, which is to be expected for what has happened.","start_word":3210,"end_word":3230,"sentiment":"negative","sentiment_score":-0.3411528468132019},{"text":"Yes.","start_word":3231,"end_word":3231,"sentiment":"neutral","sentiment_score":0.07382310926914215},{"text":"Now in saying that, though, because both of your portfolios are quite diversified, it has still done pretty good given the market condition.","start_word":3232,"end_word":3254,"sentiment":"positive","sentiment_score":0.4788422286510467},{"text":"So if we start for you, James, which is here, if we're looking at a total portfolio, Mhmm. now this is all after fees. So after all fees have been deducted from your portfolio, in the last twelve months alone, your portfolio has still gone up by 7.68% after fees, Yep. which equates through about 34,018 Yeah. just for your investment. So that is not from, like, employer contributions. That is Yep.","start_word":3255,"end_word":3326,"sentiment":"neutral","sentiment_score":0.17449922859668732},{"text":"Yeah. Perfect.","start_word":3327,"end_word":3328,"sentiment":"positive","sentiment_score":0.47167253494262695},{"text":"Now talking about investments, and that is the same for both of you, when we are looking at, obviously, investments because, obviously, a lot of things have changed in the last twelve months.","start_word":3329,"end_word":3361,"sentiment":"neutral","sentiment_score":0.13074658811092377},{"text":"So the good thing with hub twenty four is that there is hundreds of different options for us to choose from.","start_word":3362,"end_word":3382,"sentiment":"positive","sentiment_score":0.5370997190475464},{"text":"And if there is any investments that we foresee might slightly be underperforming or there are better options out there, we do want to be proactive in making changes. We obviously don't day trade your superannuation. It is your long term investment. But at the same time, because we do a lot of research on the investments, if there is one that is slightly underperforming, then we do wanna take the approach of doing research and look to potentially swap that out. Does that make sense? Yep. Yes. Yeah.","start_word":3383,"end_word":3471,"sentiment":"neutral","sentiment_score":0.03268831866803799},{"text":"Perfect.","start_word":3472,"end_word":3472,"sentiment":"positive","sentiment_score":0.5310384631156921},{"text":"So for both of you, there is one investment that I would like to do. Just a little bit more research and see if we want to swap out, which is the top one, which is called your Benelong Australian equity fund. Can you see that one? Yes. Yes. Yeah.","start_word":3473,"end_word":3522,"sentiment":"neutral","sentiment_score":0.17082557082176208},{"text":"Perfect.","start_word":3523,"end_word":3523,"sentiment":"positive","sentiment_score":0.3370150327682495},{"text":"So for both of you, that one is, like, your managed fund. So it's kind of designed to actively outperform the market by buying and selling investments a bit more frequently. They have done really well in doing so, but more recently, they've been a little bit slower in making their choices. And one of the contributing factors as well to why they are kind of underperforming a little bit at the moment is that one of the investments that they had in their portfolio is called the corporate travel group. Have either of you heard of that? No. Essentially, what happened is that that company had a bit of issues with their reporting, which actually caused them to be suspended from trading. So because None. of that, obviously, things fell a little bit. The good thing is that you guys are not invested directly in corporate travel group. You just invested in Fenele, and we can Yep.","start_word":3524,"end_word":3681,"sentiment":"neutral","sentiment_score":-0.008754030801355839},{"text":"switch switch you out of that, which is very easy.","start_word":3682,"end_word":3691,"sentiment":"positive","sentiment_score":0.33489513397216797},{"text":"So if you guys are happy for me to do so after the call today, I would like to go and do just a little bit more in-depth research and see if we have a better come option that we can swap that one out for you. I Yep. will put it all in in, like, the statement of advice for you and show you the kind of the impact and the fees and the returns and everything like that if you guys are happy for me to do Yep. so. Yep. Yep.","start_word":3692,"end_word":3784,"sentiment":"neutral","sentiment_score":0.28116223216056824},{"text":"Great. Perfect.","start_word":3785,"end_word":3786,"sentiment":"positive","sentiment_score":0.4947829842567444},{"text":"Now before I move on to Ellie's performance, do you have any questions for me, James? No. That seems pretty good. Like, particularly what Yeah. we Yes. came from in our original super, like, the goals that we talked about and then considering what the market looks like, Yes.","start_word":3787,"end_word":3835,"sentiment":"neutral","sentiment_score":0.1046713254585558},{"text":"I'm happy with that. That's great. Yeah. And we're quite happy with that as well, especially what what has happened in the market.","start_word":3836,"end_word":3858,"sentiment":"positive","sentiment_score":0.7006856203079224},{"text":"And, again, this is all net off fees as well Yes. to show you.","start_word":3859,"end_word":3872,"sentiment":"neutral","sentiment_score":0.20416602492332456},{"text":"So quite happy with that. And, yeah, the good thing is that because we are taking that kind of active approach and you guys have us on board, it's just just part of the service for us to continuously research things as things are changing.","start_word":3873,"end_word":3917,"sentiment":"positive","sentiment_score":0.4287621974945069},{"text":"Things will always Yep. change. But we do wanna make sure we always stay on top of that for you. Now next document, same one for you, Ellie. Can you see that okay? Yes. Yep. Perfect. Yep. So kind of, obviously, the same portfolio. Obviously, because you have different, like, investments sorry. Because you have different insurances and stuff, obviously, the fees that comes out is slightly different. But for you over the same period of time, so, again, August 2025 to the 08/10/2026, the same period of time, your portfolio has gone up by 7.52%. So, again, pretty close. And from a dollar value, that is 17,303. Again, just from your investments, not factoring in any contribution. Yes. Yep. Perfect. Now if you can click on the next document for me, you should see that Vanguard index chart Oh, yeah. Can you make again. that big Yep. again? Do you guys remember going through this last time? No. I don't. No. But No. That's it was a little while ago. It's all good. Basically, Vanguard, they do they do publish on every single year. So you will yep. the next one will be reduced released on the August 18. So kind of at the end Yep. of each financial year, they update it, which is good. Basically, why we do include it is to give you guys a good visual representation of what we are talking about when we're talking about the market. This kind Yep. of shows you everything historically as well. So it goes back from 1995, and then you see all the ups and downs of the market over time depending on what has happened in the world, and then Yep. it takes it to 2025. So you Yep. can see that, obviously, that our long term market always goes up. The short Yep. term, that will be some of those ups and downs and market fluctuation. Yeah. And that is also why the time frame until retirement does become important because the closer you get to retirement, the less time you have for these fluctuations to come back around. But for Yep. the time being, you guys both have plenty of time until you can access your money so you do have that time to take advantage of those kind of ups and downs. Yes. Now on the right side, you can also see the different asset classes broken down. So when we talk about that growth portfolio and I said the eighty twenty split, 80% is a combination of your top four. So you have your US shares, which is, like, your light green line there. Yes. You have your Australian shares, which is, like, your your darker green. You have international shares, which is, like, your yellow, and then Yep. you have property as well, which is, like, that maroon Mhmm. So all of these four, you can see grow the most, but also fluctuate the most. Yep. And then you do have 20% in your defensive, which is like your bottom three, which you can see a little bit more obviously, quite a lot more stable, Yep. but they don't grow as much either. Yeah. Does that all make sense? Yep. Yep.","start_word":3918,"end_word":4457,"sentiment":"neutral","sentiment_score":0.08999003312653965},{"text":"Beautiful.","start_word":4458,"end_word":4458,"sentiment":"positive","sentiment_score":0.6537892818450928},{"text":"Now the next two documents should just be your MetLife insurance certificate of currency, so one for each of you. It Yep. just breaks down your insurances in a bit more detail, but, basically, just lets you know that's all paid and up to date. Yep. Yep.","start_word":4459,"end_word":4505,"sentiment":"neutral","sentiment_score":0.18881338834762573},{"text":"Perfect.","start_word":4506,"end_word":4506,"sentiment":"positive","sentiment_score":0.5835846662521362},{"text":"Now after that, it should take you to the Oakview services guide. Let Yep. me know if you can see that. Yeah.","start_word":4507,"end_word":4528,"sentiment":"neutral","sentiment_score":0.16555914282798767},{"text":"Perfect.","start_word":4529,"end_word":4529,"sentiment":"positive","sentiment_score":0.58268141746521},{"text":"So, again, you guys would have seen this when you first came in through the office, and we did the initial consultation, obviously, going through everything with you. None of the important information has changed.","start_word":4530,"end_word":4564,"sentiment":"neutral","sentiment_score":0.0668790340423584},{"text":"It's all kind of the same, but we've had a bit of an update to marketing, which is nice, and a bit of an extension to the team.","start_word":4565,"end_word":4592,"sentiment":"positive","sentiment_score":0.3906289935111999},{"text":"No other major changes otherwise. If you do wanna put a face to the voice again, if you don't remember, if you wanna scroll down through page 10, you can see myself there again if you do wanna Yep. put put a face to the voice. Yep. Yep.","start_word":4593,"end_word":4640,"sentiment":"neutral","sentiment_score":0.06550610810518265},{"text":"Beautiful.","start_word":4641,"end_word":4641,"sentiment":"positive","sentiment_score":0.6153098344802856},{"text":"Any questions so far? It's all No. pretty straightforward. No. No. Yep.","start_word":4642,"end_word":4653,"sentiment":"neutral","sentiment_score":0.15700507164001465},{"text":"That's Great. all good.","start_word":4654,"end_word":4657,"sentiment":"positive","sentiment_score":0.5813997387886047},{"text":"Yep. Now the next document after that one, what's that one that you can see? This is the consent to new ongoing fee arrangements. Yep. So there will be one after each other. So this is one for each of you. So James, Yep. yours will be first, and then Ellie, yours will be second. There is no changes whatsoever in regards to the fee structure because you guys are on that couple reduced fee. So that stays Yes. exactly the same at 1.1 from superannuation, so no changes in regards to that. Yep. And like I mentioned last time, it is also not a lock in contract. So if at any point in time you guys are not happy, it is not a lock in contract. But otherwise, by signing this document, it just allows us to manage all your investments, insurances, and super and everything for you in the meantime. Go ahead. Yep. So if you guys are happy to do so, it will ask for a little signature for for both of you for that one. And then there should be a last document, which should say option to provide tax on number. Is there a way that we might have to sign in this, or is it Yes. So you should say start sign now. There should be, like, a little box for you to click on. Yeah. I can see that there's a box, but it, like, it flex it, but then nothing happens. And we'll try it So back if then. you if you click on the box, it doesn't like, if you click on it, it doesn't bring up, like, a little a box No. No. Because I could because you're on this side. It might be my side. We'll try and get it on for this iPad. you to scribble on. It should still work on your phone. Oh, no. Oh, wait. And this is oh, here it says click to start. Uh-huh. It does it Yes. did it on the on my one, not on his one. Okay. That Perfect. makes okay. So sign Yes. Because if you obviously, on your email, Ellie, it will just ask you to sign your ah, right. spot. Okay. That's why you have Yep. three emails. So then to James, it will be the Okay. same for you to go into yours, and he will just ask you to sign your 02/02 Yeah. documents. Yep. Got you. Got you. Got you. Okay. It says the eleventh of the eighth Yes. twenty sixth. Which is crazy already. I'm so ready. August. Okay. And then next time. Okay. Cool. Yeah.","start_word":4658,"end_word":5100,"sentiment":"neutral","sentiment_score":0.0488632257973132},{"text":"Perfect.","start_word":5101,"end_word":5101,"sentiment":"positive","sentiment_score":0.35387909412384033},{"text":"Now the next document should say option to provide tax phone number. Yes. Yep. Yeah.","start_word":5102,"end_word":5116,"sentiment":"neutral","sentiment_score":0.13343368470668793},{"text":"Perfect.","start_word":5117,"end_word":5117,"sentiment":"positive","sentiment_score":0.3699982166290283},{"text":"Now this document here is just a compliance form, but, basically, it just tells you that we are keeping your tax phone number secure and safe on file. Yes. Okay. And, again, it will just ask for a signature on that one if you're happy to do so. Yes. Yep. Perfect. Oh, I rendered it. Oh, no. What is That's okay. oh, Take no.","start_word":5118,"end_word":5181,"sentiment":"neutral","sentiment_score":0.12441575527191162},{"text":"your time.","start_word":5182,"end_word":5183,"sentiment":"negative","sentiment_score":-0.3579476475715637},{"text":"Sometimes with technology.","start_word":5184,"end_word":5186,"sentiment":"neutral","sentiment_score":-0.298897385597229},{"text":"Oh, I think it's not back to the very first one. That's really annoying.","start_word":5187,"end_word":5200,"sentiment":"negative","sentiment_score":-0.5553776621818542},{"text":"Okay. One second. Yeah. Sure. And did you get the email okay, James? Yes. I'm just into the right now. Perfect. Okay. I speak. I was fine. You okay? I'm fine. I'm fine. I guess. You're not feeling this while I'm speaking? No. Next. Next. Next. Okay. Next. Next. Next. Next. Alright. And then I'm gonna do signature. Please have to do it. You're technically. Okay. I'm back with that spell one again. No. Hopefully, That's okay. I'm not gonna press yep. Okay. Done.","start_word":5201,"end_word":5284,"sentiment":"neutral","sentiment_score":0.010940680679466044},{"text":"Great.","start_word":5285,"end_word":5285,"sentiment":"positive","sentiment_score":0.38230323791503906},{"text":"Does it does Okay. it And say that that should valid be the last one. yeah. So it should just be the true. Yeah. And once you've added true, it should say at the bottom, I believe, validate. Yeah. And then it's like, Yeah. it's signed and then a green Yes. tick.","start_word":5286,"end_word":5337,"sentiment":"neutral","sentiment_score":0.12654131650924683},{"text":"So Perfect. it looks happy. So that means Okay. you've sent through, which is great.","start_word":5338,"end_word":5352,"sentiment":"positive","sentiment_score":0.5279343128204346},{"text":"You won't come through to me until you're both signed, but then as soon as You won't be able to that's do mine. So you gotta and then you yeah. did you do the first one, James? Now you just wanna do the second one? What? Did you Signs my one second. And then that's gonna say. Yeah. Yeah. And then Yeah. And then I'll say, can I try to do that? Oh, Charlie. It's saying That's loading, loading, loading, but that's probably the same one. Okay. Charlie. okay. No pressing buttons, Charlie. We did Sometimes well to almost half hour or whatever without any gremlins with us. But That's very exciting. No. Thank While you. I wait for that to to load for you, James, as well, while I've got you both on the phone, I'll book in a time for us to go through the research on your investments. Mhmm. Mhmm. So it will take me probably about a week to put it together. When is a best time for you guys to do that to go through that together? What about HVN? I'll pay Tuesday afternoon on the phone again. Is that okay with you? Yep. Let me have a look. I can't do next Tuesday. I could do next Wednesday, the nineteenth, or the following Tuesday, which is the twenty fifth. Will you do the twenty fifth, please? Yep. Yep. That works Yes. for you as well, James? Yep. Okay.","start_word":5353,"end_word":5596,"sentiment":"neutral","sentiment_score":0.05082317272995095},{"text":"Perfect.","start_word":5597,"end_word":5597,"sentiment":"positive","sentiment_score":0.49413561820983887},{"text":"So I will book that in at 4PM for both of you to run through the research on your investments. If anything does change and something comes up and you guys can't make it, just let me know, and we can always look to get that rescheduled if anything were to happen. Now while I do have you guys on the phone as well, I do wanna just let you know that I will be heading on maternity leave quite soon.","start_word":5598,"end_word":5678,"sentiment":"neutral","sentiment_score":0.1585531234741211},{"text":"Congratulations. So thank you very much.","start_word":5679,"end_word":5684,"sentiment":"positive","sentiment_score":0.6384637355804443},{"text":"So you will have me until the September 10, and then Yes. I will send over to my colleague, Jenna. I will send you both an email, though, like an official kind of handover with all her contact details and everything like that. If for some reason you kind of forget, you can always send it to me, and it'll just be automatically forwarded to her anyway. And I'll do kind of just a bit of a hands over on everything for for both of you. I will be gone for about twelve months or so, Yes.","start_word":5685,"end_word":5781,"sentiment":"neutral","sentiment_score":0.12605218589305878},{"text":"but you'll be in very good, capable hands.","start_word":5782,"end_word":5789,"sentiment":"positive","sentiment_score":0.3741410970687866},{"text":"And I just wanted to let you both know as well if you do call up, but I'm not here so that you know who's still looking You've after got a you good in reason. the meantime. Yes. Time. Exactly. Yes. Do you know do you know if you're having a a boy or a girl? I am. I'm having a little girl.","start_word":5790,"end_word":5852,"sentiment":"neutral","sentiment_score":0.06488510966300964},{"text":"Oh, very cool.","start_word":5853,"end_word":5855,"sentiment":"positive","sentiment_score":0.34193938970565796},{"text":"Oh, yeah. So it's the it's our first one and the first grandchild on both sides. So Oh, I'm sure you guys no can pressure. imagine. It's a lot. It's boiling. A lot of That excitement. will include that. Yeah. Yeah. So soon I'll know the whole gremlin situation situation as well.","start_word":5856,"end_word":5907,"sentiment":"neutral","sentiment_score":0.0973884016275406},{"text":"But, yeah, very exciting.","start_word":5908,"end_word":5911,"sentiment":"positive","sentiment_score":0.37011247873306274},{"text":"So, yeah, wanted to let you both know, but, obviously, Oh. we've run through the research and everything in two weeks' time. But if there's anything that you guys need, obviously, before I go, just please send me an email or give me a call or think of any questions, and we can go through that in two weeks' time. But, yeah, otherwise, I did wanted to just let you know as a heads up as well, but you will both receive that kind of formal handover email a bit Yep. closer as well.","start_word":5912,"end_word":6005,"sentiment":"neutral","sentiment_score":0.07934988290071487},{"text":"That's alright. Great. Thank you. Yeah. Easy. Okay. Cool. No problem at all. Well, I will let you guys go, and enjoy the rest of your afternoon. And I look forward to speaking with you both again on the Tuesday, the twenty fifth at 4PM. Okay. Beautiful. Thank you. No worries at all. We're fixing.","start_word":6006,"end_word":6060,"sentiment":"positive","sentiment_score":0.6311675906181335},{"text":"Okay. Bye. Bye. Bye.","start_word":6061,"end_word":6064,"sentiment":"neutral","sentiment_score":0.2355392426252365}],"average":{"sentiment":"neutral","sentiment_score":0.08559558495989995}}}}