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That's so great. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yeah. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And how's your day been so far? I've been busy? Yeah. Oh, that's cool. That's good. Well well, I will try not to keep you for too long today. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at. Mhmm. Yep. Mhmm. Yep. Yes. Yes. Good time. And that all got sorted for you? Because I know there was, obviously yeah. Perfect. Let me actually go into your account quickly and have a look. Because I know, with hub twenty four, they did have a bit of an issue that day. We had a lot of people having the same issue, and then that all got rectified. So while I do have you, let me just quickly log in to your hub twenty four just to make sure. I'm sure if not, your employer would have said something. Okay. Let me yes. So I can see that you had one deposited on the fourth of August, which would have been, yeah, Tuesday last week. Yep. Okay. Perfect. And then you had one the July 20. So, yeah, it seems like it's all going in, so that's great. Perfect. Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kind of bear with me as I run through this information. Now when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents. Is that correct? Yep. Perfect. And in the event that something woulda happened to you, I have Robert nominated as next of kin. Is that still the case as well? Yep. Perfect. And just their relationship to yourself as well, just so we know? Yep. Oh, perfect. That's good. And his phone number hasn't changed, still ends in 65 4? Yep. Beautiful. I have a different number here, so let me update that. Could you provide that to me? Yep. Alright. 1. Yep. No. That is different to what we had. So lucky I checked. And I will go and update that. Perfect. Now employment wise, have any of that changed in the last twelve months? Mhmm. Yes. I have a 114,000. Oh, beautiful. I will update that for you. It's always like that when you're trying to find it, and then Internet's slow and emails are slow and oh, always the way. Okay. Okay. Okay. Okay. That's okay. At least right now, you are getting the 119. And do you know how long you'll be on those higher duties for at all? At least that is. Okay. Okay. Okay. Okay. Yep. Okay. That's okay. Yeah. What's going on? Okay. Yes. Okay. Okay. Perfect. I'll I'll leave the hundred and nineteen, but a little question mark. And then when you do find out, if it's majorly different, just let us know. But, otherwise, that is good. Otherwise, it's still for, like, the same company, and you're still in, like, a yep. And the title, is that still media and communication officer? You're just doing a little bit high duties? Okay. Perfect. Yep. Great. Now let me see here. Obviously, employer contributions with high duty, that all stays the same. It's just the standard 12%. There's no extra. Yep. Perfect. And you are not making any additional contributions into the future? Do you would you yeah. And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how it kind of compounds and change for super for you. Yes? Okay. Yeah. Okay. Okay. Yep. Yep. What what we can do is that I can kind of start the research process, and I can book you in for, like, the SOI presentation today. And then maybe how long do you think it'll take for you to find that out from your employer? Okay. Okay. Okay. Yeah. Right. Yep. Yep. Yep. Yep. Okay. Perfect. Well, what we might do then is that while I have you on the phone, I'll talk about it now. Do you have any availability to go through, like, the research and proposal? Let's do then not next week, and we can follow-up with you once you've spoken to the payroll next week. And then we'll do it the week after just if we need to make any updates. Okay. Perfect. So week of the twenty fourth to twenty seventh, what does that look like for you? Wednesday? Okay. Perfect. Let's see here. Okay. Beautiful. Okay. Perfect. Let me see. Now at the moment, I can do either. So I could do 12:12 o'clock either on Wednesday, the twenty sixth or Thursday, the twenty seventh. What would you prefer? Yep. Stuff. Yep. Sorted. Alright. Perfect. Well, I will lock that in at 12:00 on the twenty seventh. And then, obviously, if something changed, you just let me know. And then what I might do is I will have my colleague, Whitlam, probably give you a call. Do you reckon that Wednesday or Thursday next week, you would have spoken to payroll? Yeah. Any preference of of when, or can he just kind of call you just a quick call? Yeah. Alright. Perfect. I'll just I'll put it on the Wednesday and just for him to give you a quick call. If you do find out earlier, though, you can even just email me the information. You can just like, oh, this is my this is my my pay at the moment. So and do you have my email address as well? Okay. Yep. Beautiful. Yeah. You can email me directly. So that is just veronicawithak@oakviewfinancial, just one word, dot com dot a u. But if for some reason you do email the person who last emailed you, they will forward it on to me anyway. So okay. Perfect. Now if we work with so irrespective of what you're gonna say. Now at the moment, how much do you think you would like to put in? Do you get paid weekly, monthly, fortnightly? Fortnightly. Okay. So from a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing? You can do whatever you want, really. The only thing I would say, if you have a super high amount, I would just need to do all the math to make sure you're not con exceeding any concessional basis. But you you could literally some people start with, like, fifty, twenty, 100, whatever you feel comfortable with. Yep. Yes. Yeah. It happens. Yes. Yes. Perfect. And the good thing with salary sacrifice as well is that you can always stop and change whenever you want to. So even, like, let's say you do okay. Let's do a $100 a fortnight, and then you come off your high duties and, let's say, income change and you just don't wanna do it, then you can stop whenever you want to. It's not something, like, you have to commit to forever. So I'll do draw up a $100 per fortnight, and I can show you what that looks like in terms of, obviously, how it impacts your take on pay, your super tax, and everything like that, which is good, and we can at least have a look. And sometimes just seeing it, like, okay. Well, it actually doesn't make that much of a of a change of the tax if you do get that tax benefit, but it actually boosts my super quite a bit. Sometimes that's a good way to be like, oh, okay. Well, it does make maybe more of a difference than I thought. I will prioritize it. Yep. Okay. Beautiful. Now we'll get that sorted. Otherwise, when it comes to assets, is your property still valued at around 700,000, or has that changed? Yeah. That's the same. Mortgage, about 230,500. Oh, perfect. I'll update that. Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing. Do you still have that one? Yes. Perfect. And then the other one valued at about 10,000, but nothing owing. Yep. Beautiful. Now any other assets that we haven't gone through? Nope. Beautiful. Health and lifestyle wise, have you done her as a nonsmoker? Is that still the case? Yep. Beautiful. And have you had any significant health issues or injuries or any changes? Nope. That's great. And do you have private health insurance? Nope. All good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Nope. That's all good. Okay. Okay. Okay. Yeah. Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally? It's just a matter of doing it. Yeah. Okay. Perfect. Oh, that's good. And when it comes through, obviously, your superannuation and your insurances, so the beneficiary nomination, it doesn't look like we have someone on file for you. That's okay. Do you still have the forms? You don't need us to resend it or anything? Okay. Perfect. Do you have any questions in regards to who you might wanna nominate or how it works, or is it just a matter of just deciding? Yeah. Okay. Okay. No. That is no problem. If you do have any questions or are confused because there are some rules in regards to who you can nominate, just let me know. Yep. Alright. Perfect. Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, maybe do some minor renovations. Mhmm. Mhmm. Yeah. Yes. Tend to be a lot higher. Yeah. So no. That's so good. So car payment is basically at the top at the moment. Is kind of a bit more long term still the plan of maybe looking at investment property on the Sunny Coast? Mhmm. Okay. Yes. Yes. Yeah. Mhmm. Mhmm. Mhmm. Yep. That and that is something we can definitely explore together when when you are ready. If it is you wanna do, there's a lot of other types of investments you can look at outside super whenever you do wanna have a look at that. Sorry. That that's good. Yep. Yes. Yes. Get more flexibility. No. That is a great plan. And when it comes through superannuation, do you still think that you wanna retire at 60 at this point? Yep. Beautiful. As soon as possible. And I have here an ideal income that you would like to draw from, SUSFA, when you do retire of around $1,500 per week. Does that still sound about right? Yep. Perfect. And, otherwise, when it comes to superannuation, I'll do kind of quickly run through just a bit of an updated risk profile questionnaire with you just to see if there is anything major that has changed if we need to also make any tweaks and changes to your at risk profile. So just kind of bear with me. It is all the multiple choice to make it nice and easy, and there's no right or wrong answer. Okay? Yep. Beautiful. Now have you ever bought direct shares for yourself? No. And when it comes to how much risk you are comfortable to take for your Would you say that you are willing to accept very high risk, high moderate, or a bit more of a smaller risk for your? Mhmm. Sorry. Would you say Yep. So more. No. Yep. Somewhere in between. Okay. Perfect. And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral? You would just wanna kind of hold and wait to see what happens? Or mhmm. No. I was gonna say, or would you be a bit worried about it and feel like you'd wanna sell and shift through something a little bit more secure, but then you are selling when the prices have dropped. Mhmm. Yes. Yes. Mhmm. Yep. Yes. Mhmm. Yep. Yep. Okay. How everything's up. Okay. You'd wanna reassess. Yes. And with your portfolio at the moment as well, you are in what we would call your your balance growth portfolio. So it is somewhere where you you're not, like, super defensive or balanced. You are somewhere in the middle. You are also not like your growth or high growth. So it is essentially, you you do wanna focus on getting some growth of your superannuation, you know, while you're still working, contributing, have time, but you do also want that kind of conservative element as well. Okay. Beautiful. Okay. Beautiful. Now, Larissa, do you have access to your emails at the moment? Yeah. Okay. So I have just sent you an email with a couple of documents to run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me. And let me know. Sorry. The software has changed a little bit, so it might look a little bit different to what you are used to. It's the same thing, though. It will ask you to click on a link to sign. Doesn't mean you sign right away. Clicking on that link, it just allows you to open up and look at the documents first. You should then yep. Let me know when you can see the first attachment. No. That's okay. Okay. Maybe it's not loading. Nope. Yep. Yep. Okay. Perfect. No. That's all good. So yes. Perfect. So can you see there your, obviously, have your superannuation with hub twenty four? And you do have a $396,438 in there. Now underneath that, you also have your insurances. Now you have you you have your insurances with MetLife. You have life and total permanent disability insurance, which is 880,900 and 50. Are you still happy with the level of cover you have for life and TPD? Yep. Beautiful. And for your income protection as well, it will pay you that monthly amount of 6,836 per month. Now with income protection, it can cover you for up to 70% of your income. And if I do look at a 119,000, because this is one sometimes that can change a little bit, obviously, depending on if you get a big pay rise or if you, obviously, reduce your hours. But if your income is at a 119,000, that equates to about 6,941. So pretty spot on for what you have, which is great. Yep. Now you do have a thirty day waiting period and a five year benefit period. All three are paid from within hub twenty four. And after the tax rebate, you do pay 2,321 for those three. Do you have any questions with your insurances? Nope? Okay. Perfect. Now if you can go to the next document for me, it should have a performance report. It should say performance with IRR. Yep. Beautiful. Now this one here might look a little bit messy sometimes. But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months. So this shows you from the 08/12/2025 to the 08/11/2026. Now, obviously, the last twelve months, like, you would know from obviously keeping an eye on things a little bit. There has been a bit of fluctuations in the market over the last twelve months, obviously, with everything in The US, Trump and tariffs and everything and, obviously, the war more recently have seen quite a bit of fluctuation in the market. In saying that, though, your portfolio has still done pretty good considering the market conditions, which we're very happy with. So in the last twelve months, now this is all after phase, your portfolio has still gone up by 7.55%, which we're quite happy with. Yeah. Now what I will do as part of the research for you when we do look at the salary sacrifice is just to review the investments. It is good to do every now and then because, obviously, a lot has changed since we obviously put it together, and we do research on the investment all the time. There is one investment I might wanna look at changing for you that is slightly underperforming a little bit at the moment, but I'd wanna just do that research and just to see some alternative options and what that might look like. But I can just do all of that together as part of the salary sacrifice to make it nice and easy. Yep. Any Pretty straightforward. No. Okay. Beautiful. Now the next document should be your certificate of currency for your MetLife insurances, I believe. No. What does that look like? Yes. Yeah. We can do from that one. Yeah. We can we can look at this one. So do you remember seeing this before? Yep. Perfect. So every year, Vanguard does release a new updated version, which is good. So the next one is actually due to come out on the eighteenth of this month. So they just kind of update, obviously, with different market trends. It does give us a good visual representation of what we are talking about when we're talking about the market. You can basically see here over the long term, market always goes up. The short term ups and downs and market fluctuation will happen. Now referring back to your balance growth portfolio, on the right side of this, you can actually see the different asset classes broken down. So in a balanced growth portfolio, we typically have about 70% combined in your top four. So that is your US shares, which is like your light green line. You have Australian shares, which is, like, your darker green line, the international shares, which is, like, the yellow, and then you have Prosperity, which is, like, that maroon color. And you can see that these are the ones that do grow the most, but also fluctuate. And, obviously, the closer you get to retirement, like you touched on, we then gradually want to start at reducing this and shifting it to your defensive. But right now, you still have plenty of time until retirement and can take advantage of those little ups and downs in the market. And typically speaking, in a balanced growth portfolio, we do want to allow at least five years until retirement for these fluctuations, which you certainly have behind you. So it's in a good position, And then you do have about 30% in defensive. So you can see, like, your bottom three, obviously, a bit more stable, not fluctuating as much. Yep. Perfect. Now if you can click next for me. Yeah. Okay. Perfect. So, basically, this just breaks down your insurance in a bit more detail. Just lets you know that's all paid and up to date, essentially. Just one of those compliance documents. None of just one of those compliance documents. None of the important information has changed for you. It stays exactly the same. Just bit of an update through marketing, some updated photo to the team, which is nice. But, otherwise, I will kind of let you have a read over that in your own time. Any questions with this one? No. Okay. Perfect. Now the next document, is that your ongoing service agreement? Yes. So this one here, it will ask for your signature if you are happy to do so. Now what it is is just your ongoing service agreement. So the fee structure has not changed at all for you. It stays exactly the same at that 1.65 from super. No changes in regards to that, and it is also not a lock in contract. So if at any point in time you are not happy with the service or anything, it is not a lock in contract. No exit fees or anything like that. But by signing this document, it otherwise just allows you allows us to manage all your investments and your super insurances and everything for you in the meantime. Yep. Perfect. So, yes, if you're happy to do so, it will ask you for your signature and date at the bottom of that document. And it should then say validate, I believe. Yep. And when you press validate, it will then load for a little bit, and then it should send it back to me automatically as well. Perfect. Now it might take a little bit to come through, which is fine. So just kind of recapping, I do have you booked in on Thursday, August 27 at 12PM to go through that salary sacrifice and if there's any tweaks we need to do to any of your investments in your superannuation. And I will also have my colleague, if I haven't received an email from you with the income before then, to give you a call just to kind of touch base next Wednesday, the nineteenth, just to see if you've had a chance to talk to them. Yep. Perfect. Do you have any questions or anything else for me at this point before I let you go and get on with the rest of your day? No. Okay. Perfect. If you do think of anything, just always call the office. You have my email as well. You can email me directly. But, otherwise, I'll keep a lookout for that email or to find out about your income. And, otherwise, I look forward to speaking with you on Thursday, '20 seventh. Mhmm. No problem at all. It was lovely speaking with you, and you enjoy the rest of your afternoon. Mhmm. Thanks. 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afternoon. This is Veronica from OCU Financial. How are you? I'm good. Thank you.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect. That's so great.\n\nNow before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yeah. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep.\n\nYep. Perfect. And how's your day been so far? I've been busy? Yeah.\n\nOh, that's cool. That's good. Well well, I will try not to keep you for too long today. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at. Mhmm.\n\nYep. Mhmm. Yep. Yes. Yes.\n\nGood time. And that all got sorted for you? Because I know there was, obviously yeah. Perfect. Let me actually go into your account quickly and have a look.\n\nBecause I know, with hub twenty four, they did have a bit of an issue that day. We had a lot of people having the same issue, and then that all got rectified. So while I do have you, let me just quickly log in to your hub twenty four just to make sure. I'm sure if not, your employer would have said something. Okay.\n\nLet me yes. So I can see that you had one deposited on the fourth of August, which would have been, yeah, Tuesday last week. Yep. Okay. Perfect.\n\nAnd then you had one the July 20. So, yeah, it seems like it's all going in, so that's great. Perfect. Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kind of bear with me as I run through this information.\n\nNow when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents. Is that correct? Yep. Perfect. And in the event that something woulda happened to you, I have Robert nominated as next of kin.\n\nIs that still the case as well? Yep. Perfect. And just their relationship to yourself as well, just so we know? Yep.\n\nOh, perfect. That's good. And his phone number hasn't changed, still ends in 65 4? Yep. Beautiful.\n\nI have a different number here, so let me update that. Could you provide that to me? Yep. Alright. 1.\n\nYep. No. That is different to what we had. So lucky I checked. And I will go and update that.\n\nPerfect. Now employment wise, have any of that changed in the last twelve months? Mhmm. Yes. I have a 114,000.\n\nOh, beautiful. I will update that for you. It's always like that when you're trying to find it, and then Internet's slow and emails are slow and oh, always the way. Okay. Okay.\n\nOkay. Okay. That's okay. At least right now, you are getting the 119. And do you know how long you'll be on those higher duties for at all?\n\nAt least that is. Okay. Okay. Okay. Okay.\n\nYep. Okay. That's okay. Yeah. What's going on?\n\nOkay. Yes. Okay. Okay. Perfect.\n\nI'll I'll leave the hundred and nineteen, but a little question mark. And then when you do find out, if it's majorly different, just let us know. But, otherwise, that is good. Otherwise, it's still for, like, the same company, and you're still in, like, a yep. And the title, is that still media and communication officer?\n\nYou're just doing a little bit high duties? Okay. Perfect. Yep. Great.\n\nNow let me see here. Obviously, employer contributions with high duty, that all stays the same. It's just the standard 12%. There's no extra. Yep.\n\nPerfect. And you are not making any additional contributions into the future? Do you would you yeah. And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how it kind of compounds and change for super for you. Yes?\n\nOkay. Yeah. Okay. Okay. Yep.\n\nYep. What what we can do is that I can kind of start the research process, and I can book you in for, like, the SOI presentation today. And then maybe how long do you think it'll take for you to find that out from your employer? Okay. Okay.\n\nOkay. Yeah. Right. Yep. Yep.\n\nYep. Yep. Okay. Perfect. Well, what we might do then is that while I have you on the phone, I'll talk about it now.\n\nDo you have any availability to go through, like, the research and proposal? Let's do then not next week, and we can follow-up with you once you've spoken to the payroll next week. And then we'll do it the week after just if we need to make any updates. Okay. Perfect.\n\nSo week of the twenty fourth to twenty seventh, what does that look like for you? Wednesday? Okay. Perfect. Let's see here.\n\nOkay. Beautiful. Okay. Perfect. Let me see.\n\nNow at the moment, I can do either. So I could do 12:12 o'clock either on Wednesday, the twenty sixth or Thursday, the twenty seventh. What would you prefer? Yep. Stuff.\n\nYep. Sorted. Alright. Perfect. Well, I will lock that in at 12:00 on the twenty seventh.\n\nAnd then, obviously, if something changed, you just let me know. And then what I might do is I will have my colleague, Whitlam, probably give you a call. Do you reckon that Wednesday or Thursday next week, you would have spoken to payroll? Yeah. Any preference of of when, or can he just kind of call you just a quick call?\n\nYeah. Alright. Perfect. I'll just I'll put it on the Wednesday and just for him to give you a quick call. If you do find out earlier, though, you can even just email me the information.\n\nYou can just like, oh, this is my this is my my pay at the moment. So and do you have my email address as well? Okay. Yep. Beautiful.\n\nYeah. You can email me directly. So that is just veronicawithak@oakviewfinancial, just one word, dot com dot a u. But if for some reason you do email the person who last emailed you, they will forward it on to me anyway. So okay.\n\nPerfect. Now if we work with so irrespective of what you're gonna say. Now at the moment, how much do you think you would like to put in? Do you get paid weekly, monthly, fortnightly? Fortnightly.\n\nOkay. So from a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing? You can do whatever you want, really. The only thing I would say, if you have a super high amount, I would just need to do all the math to make sure you're not con exceeding any concessional basis. But you you could literally some people start with, like, fifty, twenty, 100, whatever you feel comfortable with.\n\nYep. Yes. Yeah. It happens. Yes.\n\nYes. Perfect. And the good thing with salary sacrifice as well is that you can always stop and change whenever you want to. So even, like, let's say you do okay. Let's do a $100 a fortnight, and then you come off your high duties and, let's say, income change and you just don't wanna do it, then you can stop whenever you want to.\n\nIt's not something, like, you have to commit to forever. So I'll do draw up a $100 per fortnight, and I can show you what that looks like in terms of, obviously, how it impacts your take on pay, your super tax, and everything like that, which is good, and we can at least have a look. And sometimes just seeing it, like, okay. Well, it actually doesn't make that much of a of a change of the tax if you do get that tax benefit, but it actually boosts my super quite a bit. Sometimes that's a good way to be like, oh, okay.\n\nWell, it does make maybe more of a difference than I thought. I will prioritize it. Yep. Okay. Beautiful.\n\nNow we'll get that sorted. Otherwise, when it comes to assets, is your property still valued at around 700,000, or has that changed? Yeah. That's the same. Mortgage, about 230,500.\n\nOh, perfect. I'll update that. Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing. Do you still have that one? Yes.\n\nPerfect. And then the other one valued at about 10,000, but nothing owing. Yep. Beautiful. Now any other assets that we haven't gone through?\n\nNope. Beautiful. Health and lifestyle wise, have you done her as a nonsmoker? Is that still the case? Yep.\n\nBeautiful. And have you had any significant health issues or injuries or any changes? Nope. That's great. And do you have private health insurance?\n\nNope. All good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Nope. That's all good.\n\nOkay. Okay. Okay. Yeah. Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally?\n\nIt's just a matter of doing it. Yeah. Okay. Perfect. Oh, that's good.\n\nAnd when it comes through, obviously, your superannuation and your insurances, so the beneficiary nomination, it doesn't look like we have someone on file for you. That's okay. Do you still have the forms? You don't need us to resend it or anything? Okay.\n\nPerfect. Do you have any questions in regards to who you might wanna nominate or how it works, or is it just a matter of just deciding? Yeah. Okay. Okay.\n\nNo. That is no problem. If you do have any questions or are confused because there are some rules in regards to who you can nominate, just let me know. Yep. Alright.\n\nPerfect. Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, maybe do some minor renovations. Mhmm. Mhmm. Yeah.\n\nYes. Tend to be a lot higher. Yeah. So no. That's so good.\n\nSo car payment is basically at the top at the moment. Is kind of a bit more long term still the plan of maybe looking at investment property on the Sunny Coast? Mhmm. Okay. Yes.\n\nYes. Yeah. Mhmm. Mhmm. Mhmm.\n\nYep. That and that is something we can definitely explore together when when you are ready. If it is you wanna do, there's a lot of other types of investments you can look at outside super whenever you do wanna have a look at that. Sorry. That that's good.\n\nYep. Yes. Yes. Get more flexibility. No.\n\nThat is a great plan. And when it comes through superannuation, do you still think that you wanna retire at 60 at this point? Yep. Beautiful. As soon as possible.\n\nAnd I have here an ideal income that you would like to draw from, SUSFA, when you do retire of around $1,500 per week. Does that still sound about right? Yep. Perfect. And, otherwise, when it comes to superannuation, I'll do kind of quickly run through just a bit of an updated risk profile questionnaire with you just to see if there is anything major that has changed if we need to also make any tweaks and changes to your at risk profile.\n\nSo just kind of bear with me. It is all the multiple choice to make it nice and easy, and there's no right or wrong answer. Okay? Yep. Beautiful.\n\nNow have you ever bought direct shares for yourself? No. And when it comes to how much risk you are comfortable to take for your Would you say that you are willing to accept very high risk, high moderate, or a bit more of a smaller risk for your? Mhmm. Sorry.\n\nWould you say Yep. So more. No. Yep. Somewhere in between.\n\nOkay. Perfect. And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral? You would just wanna kind of hold and wait to see what happens? Or mhmm.\n\nNo. I was gonna say, or would you be a bit worried about it and feel like you'd wanna sell and shift through something a little bit more secure, but then you are selling when the prices have dropped. Mhmm. Yes. Yes.\n\nMhmm. Yep. Yes. Mhmm. Yep.\n\nYep. Okay. How everything's up. Okay. You'd wanna reassess.\n\nYes. And with your portfolio at the moment as well, you are in what we would call your your balance growth portfolio. So it is somewhere where you you're not, like, super defensive or balanced. You are somewhere in the middle. You are also not like your growth or high growth.\n\nSo it is essentially, you you do wanna focus on getting some growth of your superannuation, you know, while you're still working, contributing, have time, but you do also want that kind of conservative element as well. Okay. Beautiful. Okay. Beautiful.\n\nNow, Larissa, do you have access to your emails at the moment? Yeah. Okay. So I have just sent you an email with a couple of documents to run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me. And let me know.\n\nSorry. The software has changed a little bit, so it might look a little bit different to what you are used to. It's the same thing, though. It will ask you to click on a link to sign. Doesn't mean you sign right away.\n\nClicking on that link, it just allows you to open up and look at the documents first. You should then yep. Let me know when you can see the first attachment. No. That's okay.\n\nOkay. Maybe it's not loading. Nope. Yep. Yep.\n\nOkay. Perfect. No. That's all good. So yes.\n\nPerfect. So can you see there your, obviously, have your superannuation with hub twenty four? And you do have a $396,438 in there. Now underneath that, you also have your insurances. Now you have you you have your insurances with MetLife.\n\nYou have life and total permanent disability insurance, which is 880,900 and 50. Are you still happy with the level of cover you have for life and TPD? Yep. Beautiful. And for your income protection as well, it will pay you that monthly amount of 6,836 per month.\n\nNow with income protection, it can cover you for up to 70% of your income. And if I do look at a 119,000, because this is one sometimes that can change a little bit, obviously, depending on if you get a big pay rise or if you, obviously, reduce your hours. But if your income is at a 119,000, that equates to about 6,941. So pretty spot on for what you have, which is great. Yep.\n\nNow you do have a thirty day waiting period and a five year benefit period. All three are paid from within hub twenty four. And after the tax rebate, you do pay 2,321 for those three. Do you have any questions with your insurances? Nope?\n\nOkay. Perfect. Now if you can go to the next document for me, it should have a performance report. It should say performance with IRR. Yep.\n\nBeautiful. Now this one here might look a little bit messy sometimes. But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months. So this shows you from the 08/12/2025 to the 08/11/2026. Now, obviously, the last twelve months, like, you would know from obviously keeping an eye on things a little bit.\n\nThere has been a bit of fluctuations in the market over the last twelve months, obviously, with everything in The US, Trump and tariffs and everything and, obviously, the war more recently have seen quite a bit of fluctuation in the market. In saying that, though, your portfolio has still done pretty good considering the market conditions, which we're very happy with. So in the last twelve months, now this is all after phase, your portfolio has still gone up by 7.55%, which we're quite happy with. Yeah. Now what I will do as part of the research for you when we do look at the salary sacrifice is just to review the investments.\n\nIt is good to do every now and then because, obviously, a lot has changed since we obviously put it together, and we do research on the investment all the time. There is one investment I might wanna look at changing for you that is slightly underperforming a little bit at the moment, but I'd wanna just do that research and just to see some alternative options and what that might look like. But I can just do all of that together as part of the salary sacrifice to make it nice and easy. Yep. Any Pretty straightforward.\n\nNo. Okay. Beautiful. Now the next document should be your certificate of currency for your MetLife insurances, I believe. No.\n\nWhat does that look like? Yes. Yeah. We can do from that one. Yeah.\n\nWe can we can look at this one. So do you remember seeing this before? Yep. Perfect. So every year, Vanguard does release a new updated version, which is good.\n\nSo the next one is actually due to come out on the eighteenth of this month. So they just kind of update, obviously, with different market trends. It does give us a good visual representation of what we are talking about when we're talking about the market. You can basically see here over the long term, market always goes up. The short term ups and downs and market fluctuation will happen.\n\nNow referring back to your balance growth portfolio, on the right side of this, you can actually see the different asset classes broken down. So in a balanced growth portfolio, we typically have about 70% combined in your top four. So that is your US shares, which is like your light green line. You have Australian shares, which is, like, your darker green line, the international shares, which is, like, the yellow, and then you have Prosperity, which is, like, that maroon color. And you can see that these are the ones that do grow the most, but also fluctuate.\n\nAnd, obviously, the closer you get to retirement, like you touched on, we then gradually want to start at reducing this and shifting it to your defensive. But right now, you still have plenty of time until retirement and can take advantage of those little ups and downs in the market. And typically speaking, in a balanced growth portfolio, we do want to allow at least five years until retirement for these fluctuations, which you certainly have behind you. So it's in a good position, And then you do have about 30% in defensive. So you can see, like, your bottom three, obviously, a bit more stable, not fluctuating as much.\n\nYep. Perfect. Now if you can click next for me. Yeah. Okay.\n\nPerfect. So, basically, this just breaks down your insurance in a bit more detail. Just lets you know that's all paid and up to date, essentially. Just one of those compliance documents. None of just one of those compliance documents.\n\nNone of the important information has changed for you. It stays exactly the same. Just bit of an update through marketing, some updated photo to the team, which is nice. But, otherwise, I will kind of let you have a read over that in your own time. Any questions with this one?\n\nNo. Okay. Perfect. Now the next document, is that your ongoing service agreement? Yes.\n\nSo this one here, it will ask for your signature if you are happy to do so. Now what it is is just your ongoing service agreement. So the fee structure has not changed at all for you. It stays exactly the same at that 1.65 from super. No changes in regards to that, and it is also not a lock in contract.\n\nSo if at any point in time you are not happy with the service or anything, it is not a lock in contract. No exit fees or anything like that. But by signing this document, it otherwise just allows you allows us to manage all your investments and your super insurances and everything for you in the meantime. Yep. Perfect.\n\nSo, yes, if you're happy to do so, it will ask you for your signature and date at the bottom of that document. And it should then say validate, I believe. Yep. And when you press validate, it will then load for a little bit, and then it should send it back to me automatically as well. Perfect.\n\nNow it might take a little bit to come through, which is fine. So just kind of recapping, I do have you booked in on Thursday, August 27 at 12PM to go through that salary sacrifice and if there's any tweaks we need to do to any of your investments in your superannuation. And I will also have my colleague, if I haven't received an email from you with the income before then, to give you a call just to kind of touch base next Wednesday, the nineteenth, just to see if you've had a chance to talk to them. Yep. Perfect.\n\nDo you have any questions or anything else for me at this point before I let you go and get on with the rest of your day? No. Okay. Perfect. If you do think of anything, just always call the office.\n\nYou have my email as well. You can email me directly. But, otherwise, I'll keep a lookout for that email or to find out about your income. And, otherwise, I look forward to speaking with you on Thursday, '20 seventh. Mhmm.\n\nNo problem at all. It was lovely speaking with you, and you enjoy the rest of your afternoon. Mhmm. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.28310510516166687},{"text":"This is Veronica from OCU Financial.","start":4.24,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24646954735120138},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.191117063164711},{"text":"I'm good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.5725555121898651},{"text":"Thank you.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.6565306484699249}],"sentiment":"positive","sentiment_score":0.33843673368295035,"num_words":15,"start":3.6,"end":11.62},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":12.925,"end":15.485,"sentiment":"neutral","sentiment_score":0.31321623108603736},{"text":"Is now still a good time for you?","start":15.485,"end":17.185,"sentiment":"neutral","sentiment_score":0.21823549456894398},{"text":"Yep.","start":18.685,"end":19.185,"sentiment":"neutral","sentiment_score":0.15942980349063873},{"text":"Perfect.","start":19.965,"end":20.465,"sentiment":"positive","sentiment_score":0.4705528616905213},{"text":"That's so great.","start":27.33,"end":28.710001,"sentiment":"positive","sentiment_score":0.6111943324406942}],"sentiment":"neutral","sentiment_score":0.31895117337505025,"num_words":24,"start":12.925,"end":28.710001},{"sentences":[{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":31.17,"end":39.735,"sentiment":"neutral","sentiment_score":0.020318151048074166},{"text":"Yeah.","start":40.995,"end":41.495,"sentiment":"neutral","sentiment_score":0.12886372208595276},{"text":"Perfect.","start":41.635,"end":42.135,"sentiment":"neutral","sentiment_score":0.2834104299545288},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":42.675,"end":52.72,"sentiment":"neutral","sentiment_score":0.06571964795390765},{"text":"Yep.","start":61.1,"end":61.6,"sentiment":"neutral","sentiment_score":0.04575991630554199}],"sentiment":"neutral","sentiment_score":0.049035257307078806,"num_words":66,"start":31.17,"end":61.6},{"sentences":[{"text":"Yep.","start":61.82,"end":62.3,"sentiment":"neutral","sentiment_score":0.0825984925031662},{"text":"Perfect.","start":62.3,"end":62.78,"sentiment":"neutral","sentiment_score":0.26701849699020386},{"text":"And how's your day been so far?","start":62.78,"end":64.215,"sentiment":"neutral","sentiment_score":0.0934247076511383},{"text":"I've been busy?","start":64.215,"end":66.595,"sentiment":"neutral","sentiment_score":-0.01868547561268012},{"text":"Yeah.","start":67.814995,"end":68.314995,"sentiment":"neutral","sentiment_score":0.02211075648665428}],"sentiment":"neutral","sentiment_score":0.0745880209769194,"num_words":13,"start":61.82,"end":68.314995},{"sentences":[{"text":"Oh, that's cool.","start":70.375,"end":71.354996,"sentiment":"neutral","sentiment_score":0.15570886929829916},{"text":"That's good.","start":71.735,"end":72.634995,"sentiment":"neutral","sentiment_score":0.24413177371025085},{"text":"Well well, I will try not to keep you for too long today.","start":73.415,"end":77.915,"sentiment":"neutral","sentiment_score":0.06325456184836534},{"text":"But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at.","start":79.27,"end":94.575,"sentiment":"neutral","sentiment_score":0.02532741696839886},{"text":"Mhmm.","start":98.634995,"end":99.134995,"sentiment":"neutral","sentiment_score":0.010344546288251877}],"sentiment":"neutral","sentiment_score":0.04275172474483649,"num_words":75,"start":70.375,"end":99.134995},{"sentences":[{"text":"Yep.","start":101.835,"end":102.335,"sentiment":"neutral","sentiment_score":0.02973461151123047},{"text":"Mhmm.","start":106.77,"end":107.27,"sentiment":"neutral","sentiment_score":0.007269642781466246},{"text":"Yep.","start":112.7775,"end":113.2775,"sentiment":"neutral","sentiment_score":-0.006389960180968046},{"text":"Yes.","start":126.545006,"end":127.045006,"sentiment":"neutral","sentiment_score":-0.007329840213060379},{"text":"Yes.","start":128.225,"end":128.725,"sentiment":"neutral","sentiment_score":-0.0136539489030838}],"sentiment":"neutral","sentiment_score":0.001926100999116898,"num_words":5,"start":101.835,"end":128.725},{"sentences":[{"text":"Good time.","start":133.985,"end":134.76,"sentiment":"positive","sentiment_score":0.603287011384964},{"text":"And that all got sorted for you?","start":135.87999,"end":137.56,"sentiment":"neutral","sentiment_score":0.10580593507204737},{"text":"Because I know there was, obviously yeah.","start":137.56,"end":140.68,"sentiment":"neutral","sentiment_score":-0.019959808194211552},{"text":"Perfect.","start":140.68,"end":141.18,"sentiment":"neutral","sentiment_score":-0.07836394011974335},{"text":"Let me actually go into your account quickly and have a look.","start":142.84,"end":146.68,"sentiment":"neutral","sentiment_score":-0.0006266309258838495}],"sentiment":"neutral","sentiment_score":0.05936597929946307,"num_words":29,"start":133.985,"end":146.68},{"sentences":[{"text":"Because I know, with hub twenty four, they did have a bit of an issue that day.","start":146.68,"end":150.825,"sentiment":"neutral","sentiment_score":-0.0739729077938725},{"text":"We had a lot of people having the same issue, and then that all got rectified.","start":150.965,"end":156.585,"sentiment":"neutral","sentiment_score":-0.0667339691426605},{"text":"So while I do have you, let me just quickly log in to your hub twenty four just to make sure.","start":157.685,"end":163.445,"sentiment":"neutral","sentiment_score":0.008961601094121025},{"text":"I'm sure if not, your employer would have said something.","start":163.445,"end":167.78,"sentiment":"neutral","sentiment_score":-0.06671545803546905},{"text":"Okay.","start":176.24,"end":176.74,"sentiment":"neutral","sentiment_score":0.015511317178606989}],"sentiment":"neutral","sentiment_score":-0.04290357813812219,"num_words":65,"start":146.68,"end":176.74},{"sentences":[{"text":"Let me yes.","start":178.0,"end":179.595,"sentiment":"neutral","sentiment_score":0.03786464408040047},{"text":"So I can see that you had one deposited on the fourth of August, which would have been, yeah, Tuesday last week.","start":180.075,"end":189.295,"sentiment":"neutral","sentiment_score":0.06622071970592845},{"text":"Yep.","start":189.755,"end":190.155,"sentiment":"neutral","sentiment_score":0.05857221409678459},{"text":"Okay.","start":190.155,"end":190.655,"sentiment":"neutral","sentiment_score":0.0795159786939621},{"text":"Perfect.","start":190.955,"end":191.455,"sentiment":"neutral","sentiment_score":0.24824443459510803}],"sentiment":"neutral","sentiment_score":0.06988508546991008,"num_words":28,"start":178.0,"end":191.455},{"sentences":[{"text":"And then you had one the July 20.","start":191.84,"end":194.09998,"sentiment":"neutral","sentiment_score":0.0906366785056889},{"text":"So, yeah, it seems like it's all going in, so that's great.","start":194.23999,"end":196.73999,"sentiment":"positive","sentiment_score":0.36175398031870526},{"text":"Perfect.","start":198.79999,"end":199.29999,"sentiment":"positive","sentiment_score":0.4201448857784271},{"text":"Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice.","start":200.31999,"end":211.995,"sentiment":"neutral","sentiment_score":0.048823755197227},{"text":"So just kind of bear with me as I run through this information.","start":212.695,"end":215.995,"sentiment":"neutral","sentiment_score":0.01860718257152117}],"sentiment":"neutral","sentiment_score":0.09725437155880388,"num_words":84,"start":191.84,"end":215.995},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents.","start":217.415,"end":227.69,"sentiment":"neutral","sentiment_score":0.024990057503735577},{"text":"Is that correct?","start":227.75,"end":228.65,"sentiment":"neutral","sentiment_score":0.04612771421670914},{"text":"Yep.","start":229.75,"end":230.25,"sentiment":"neutral","sentiment_score":0.16611814498901367},{"text":"Perfect.","start":230.31,"end":230.81,"sentiment":"neutral","sentiment_score":0.3135022222995758},{"text":"And in the event that something woulda happened to you, I have Robert nominated as next of kin.","start":230.95,"end":236.14499,"sentiment":"neutral","sentiment_score":0.14263794985082415}],"sentiment":"neutral","sentiment_score":0.07720436319708825,"num_words":50,"start":217.415,"end":236.14499},{"sentences":[{"text":"Is that still the case as well?","start":236.14499,"end":237.765,"sentiment":"neutral","sentiment_score":0.08322922033923012},{"text":"Yep.","start":238.14499,"end":238.545,"sentiment":"neutral","sentiment_score":0.19572201371192932},{"text":"Perfect.","start":238.545,"end":239.045,"sentiment":"positive","sentiment_score":0.7215205430984497},{"text":"And just their relationship to yourself as well, just so we know?","start":239.265,"end":242.965,"sentiment":"positive","sentiment_score":0.3700021654367447},{"text":"Yep.","start":244.94499,"end":245.44499,"sentiment":"neutral","sentiment_score":0.06952138245105743}],"sentiment":"neutral","sentiment_score":0.2731542939489538,"num_words":22,"start":236.14499,"end":245.44499},{"sentences":[{"text":"Oh, perfect.","start":246.545,"end":247.44499,"sentiment":"positive","sentiment_score":0.4632657766342163},{"text":"That's good.","start":247.905,"end":248.64,"sentiment":"positive","sentiment_score":0.5562115907669067},{"text":"And his phone number hasn't changed, still ends in 65 4?","start":248.88,"end":252.26,"sentiment":"neutral","sentiment_score":0.03514019666578282},{"text":"Yep.","start":252.95999,"end":253.2,"sentiment":"neutral","sentiment_score":0.08860304206609726},{"text":"Beautiful.","start":253.2,"end":253.7,"sentiment":"positive","sentiment_score":0.3813295066356659}],"sentiment":"neutral","sentiment_score":0.17031937922515414,"num_words":17,"start":246.545,"end":253.7},{"sentences":[{"text":"I have a different number here, so let me update that.","start":258.16,"end":262.74,"sentiment":"neutral","sentiment_score":0.013303090733560648},{"text":"Could you provide that to me?","start":263.655,"end":265.195,"sentiment":"neutral","sentiment_score":0.01814929225171606},{"text":"Yep.","start":269.175,"end":269.675,"sentiment":"neutral","sentiment_score":0.005498223938047886},{"text":"Alright.","start":272.455,"end":272.935,"sentiment":"neutral","sentiment_score":0.01885741949081421},{"text":"1.","start":272.935,"end":273.435,"sentiment":"neutral","sentiment_score":0.0067845359444618225}],"sentiment":"neutral","sentiment_score":0.01431849654763937,"num_words":20,"start":258.16,"end":273.435},{"sentences":[{"text":"Yep.","start":273.655,"end":274.055,"sentiment":"neutral","sentiment_score":0.013413958251476288},{"text":"No.","start":274.055,"end":274.29498,"sentiment":"neutral","sentiment_score":-0.07680431753396988},{"text":"That is different to what we had.","start":274.29498,"end":276.12,"sentiment":"neutral","sentiment_score":-0.14318189876420157},{"text":"So lucky I checked.","start":276.44,"end":277.82,"sentiment":"neutral","sentiment_score":0.08806687965989113},{"text":"And I will go and update that.","start":278.28,"end":282.13998,"sentiment":"neutral","sentiment_score":0.11679521628788539}],"sentiment":"neutral","sentiment_score":0.005208519101142883,"num_words":20,"start":273.655,"end":282.13998},{"sentences":[{"text":"Perfect.","start":282.52,"end":283.02,"sentiment":"neutral","sentiment_score":0.31552115082740784},{"text":"Now employment wise, have any of that changed in the last twelve months?","start":285.24,"end":293.115,"sentiment":"neutral","sentiment_score":0.022226088035565156},{"text":"Mhmm.","start":293.815,"end":294.315,"sentiment":"neutral","sentiment_score":-0.03792422264814377},{"text":"Yes.","start":320.375,"end":320.875,"sentiment":"neutral","sentiment_score":0.008272604085505009},{"text":"I have a 114,000.","start":321.495,"end":323.515,"sentiment":"neutral","sentiment_score":0.0008536993991583586}],"sentiment":"neutral","sentiment_score":0.028911173716187476,"num_words":20,"start":282.52,"end":323.515},{"sentences":[{"text":"Oh, beautiful.","start":334.15,"end":334.88998,"sentiment":"neutral","sentiment_score":0.20247503370046616},{"text":"I will update that for you.","start":336.87,"end":338.88998,"sentiment":"neutral","sentiment_score":0.0029644488046566644},{"text":"It's always like that when you're trying to find it, and then Internet's slow and emails are slow and oh, always the way.","start":343.42502,"end":350.64502,"sentiment":"neutral","sentiment_score":-0.15485995716374854},{"text":"Okay.","start":373.385,"end":373.885,"sentiment":"neutral","sentiment_score":-0.06103404238820076},{"text":"Okay.","start":380.265,"end":380.765,"sentiment":"neutral","sentiment_score":-0.012970947660505772}],"sentiment":"neutral","sentiment_score":-0.09736506801775911,"num_words":33,"start":334.15,"end":380.765},{"sentences":[{"text":"Okay.","start":380.825,"end":381.21,"sentiment":"neutral","sentiment_score":-0.02217482216656208},{"text":"Okay.","start":382.97,"end":383.44998,"sentiment":"neutral","sentiment_score":0.08941641449928284},{"text":"That's okay.","start":383.44998,"end":384.16998,"sentiment":"neutral","sentiment_score":0.18538731336593628},{"text":"At least right now, you are getting the 119.","start":384.16998,"end":386.99,"sentiment":"neutral","sentiment_score":0.17334081563684675},{"text":"And do you know how long you'll be on those higher duties for at all?","start":387.21,"end":391.87,"sentiment":"neutral","sentiment_score":-0.005965724525352319}],"sentiment":"neutral","sentiment_score":0.06816420328271176,"num_words":28,"start":380.825,"end":391.87},{"sentences":[{"text":"At least that is.","start":392.00998,"end":393.15,"sentiment":"neutral","sentiment_score":-0.03545063058845699},{"text":"Okay.","start":394.16998,"end":394.395,"sentiment":"neutral","sentiment_score":-0.06322727352380753},{"text":"Okay.","start":401.19498,"end":401.69498,"sentiment":"neutral","sentiment_score":-0.0716051235795021},{"text":"Okay.","start":415.77,"end":416.09,"sentiment":"neutral","sentiment_score":-0.07844377309083939},{"text":"Okay.","start":416.09,"end":416.59,"sentiment":"neutral","sentiment_score":-0.0915309563279152}],"sentiment":"neutral","sentiment_score":-0.05582620610948652,"num_words":8,"start":392.00998,"end":416.59},{"sentences":[{"text":"Yep.","start":424.305,"end":424.805,"sentiment":"neutral","sentiment_score":-0.0607353150844574},{"text":"Okay.","start":426.70502,"end":427.20502,"sentiment":"neutral","sentiment_score":-0.06763683259487152},{"text":"That's okay.","start":442.24,"end":443.115,"sentiment":"neutral","sentiment_score":-0.026791449636220932},{"text":"Yeah.","start":447.835,"end":448.335,"sentiment":"neutral","sentiment_score":-0.012597976252436638},{"text":"What's going on?","start":448.79498,"end":449.935,"sentiment":"neutral","sentiment_score":-0.017658761081596214}],"sentiment":"neutral","sentiment_score":-0.03094116330612451,"num_words":8,"start":424.305,"end":449.935},{"sentences":[{"text":"Okay.","start":451.675,"end":452.175,"sentiment":"neutral","sentiment_score":-0.025965288281440735},{"text":"Yes.","start":453.595,"end":454.095,"sentiment":"neutral","sentiment_score":-0.005715435370802879},{"text":"Okay.","start":455.275,"end":455.61,"sentiment":"neutral","sentiment_score":-0.0016713989898562431},{"text":"Okay.","start":458.49,"end":458.99,"sentiment":"neutral","sentiment_score":0.15151318907737732},{"text":"Perfect.","start":459.05,"end":459.55,"sentiment":"positive","sentiment_score":0.3628763854503632}],"sentiment":"neutral","sentiment_score":0.09620749037712814,"num_words":5,"start":451.675,"end":459.55},{"sentences":[{"text":"I'll I'll leave the hundred and nineteen, but a little question mark.","start":459.77,"end":462.75,"sentiment":"neutral","sentiment_score":0.021504026527206104},{"text":"And then when you do find out, if it's majorly different, just let us know.","start":463.44998,"end":469.22998,"sentiment":"neutral","sentiment_score":-0.016555536290009817},{"text":"But, otherwise, that is good.","start":470.29498,"end":472.235,"sentiment":"neutral","sentiment_score":0.23360675424337388},{"text":"Otherwise, it's still for, like, the same company, and you're still in, like, a yep.","start":473.095,"end":478.07498,"sentiment":"neutral","sentiment_score":0.018429256261636814},{"text":"And the title, is that still media and communication officer?","start":478.615,"end":481.57498,"sentiment":"neutral","sentiment_score":0.00834061149507761}],"sentiment":"neutral","sentiment_score":0.026975333404710942,"num_words":57,"start":459.77,"end":481.57498},{"sentences":[{"text":"You're just doing a little bit high duties?","start":481.57498,"end":483.66,"sentiment":"neutral","sentiment_score":0.005409239493019413},{"text":"Okay.","start":483.66,"end":484.14,"sentiment":"neutral","sentiment_score":0.1899297535419464},{"text":"Perfect.","start":484.14,"end":484.64,"sentiment":"positive","sentiment_score":0.4935883283615112},{"text":"Yep.","start":484.78,"end":485.26,"sentiment":"neutral","sentiment_score":0.09795333445072174},{"text":"Great.","start":485.26,"end":485.76,"sentiment":"positive","sentiment_score":0.5916895270347595}],"sentiment":"neutral","sentiment_score":0.11803623827775785,"num_words":12,"start":481.57498,"end":485.76},{"sentences":[{"text":"Now let me see here.","start":487.5,"end":490.72,"sentiment":"neutral","sentiment_score":0.2288421392440796},{"text":"Obviously, employer contributions with high duty, that all stays the same.","start":490.78,"end":493.9,"sentiment":"neutral","sentiment_score":0.08948553793809631},{"text":"It's just the standard 12%.","start":493.9,"end":495.5,"sentiment":"neutral","sentiment_score":0.08803513646125793},{"text":"There's no extra.","start":495.5,"end":496.815,"sentiment":"neutral","sentiment_score":0.025196099653840065},{"text":"Yep.","start":497.355,"end":497.675,"sentiment":"neutral","sentiment_score":0.11166920512914658}],"sentiment":"neutral","sentiment_score":0.11023939199745655,"num_words":25,"start":487.5,"end":497.675},{"sentences":[{"text":"Perfect.","start":497.675,"end":498.155,"sentiment":"neutral","sentiment_score":0.32644665241241455},{"text":"And you are not making any additional contributions into the future?","start":498.155,"end":501.375,"sentiment":"neutral","sentiment_score":-0.058879790658300575},{"text":"Do you would you yeah.","start":502.435,"end":508.655,"sentiment":"neutral","sentiment_score":-0.0854899562895298},{"text":"And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how it kind of compounds and change for super for you.","start":510.155,"end":539.46497,"sentiment":"neutral","sentiment_score":0.04068208027344484},{"text":"Yes?","start":541.365,"end":541.865,"sentiment":"neutral","sentiment_score":0.20257440209388733}],"sentiment":"neutral","sentiment_score":0.027365581636937957,"num_words":96,"start":497.675,"end":541.865},{"sentences":[{"text":"Okay.","start":541.925,"end":542.28,"sentiment":"neutral","sentiment_score":0.035223230719566345},{"text":"Yeah.","start":565.865,"end":566.365,"sentiment":"neutral","sentiment_score":-0.11598185449838638},{"text":"Okay.","start":566.985,"end":567.485,"sentiment":"neutral","sentiment_score":-0.10745847225189208},{"text":"Okay.","start":569.545,"end":569.97,"sentiment":"neutral","sentiment_score":-0.016795596107840538},{"text":"Yep.","start":571.08997,"end":571.58997,"sentiment":"neutral","sentiment_score":0.11660497635602952}],"sentiment":"neutral","sentiment_score":-0.01768154315650463,"num_words":5,"start":541.925,"end":571.58997},{"sentences":[{"text":"Yep.","start":575.08997,"end":575.58997,"sentiment":"neutral","sentiment_score":0.032315634191036224},{"text":"What what we can do is that I can kind of start the research process, and I can book you in for, like, the SOI presentation today.","start":576.85,"end":589.345,"sentiment":"neutral","sentiment_score":0.05359210722424366},{"text":"And then maybe how long do you think it'll take for you to find that out from your employer?","start":589.345,"end":606.48,"sentiment":"neutral","sentiment_score":-0.01737269337632154},{"text":"Okay.","start":607.1,"end":607.58,"sentiment":"neutral","sentiment_score":-0.03143354877829552},{"text":"Okay.","start":607.58,"end":608.025,"sentiment":"neutral","sentiment_score":-0.04706995189189911}],"sentiment":"neutral","sentiment_score":0.021851384784190023,"num_words":49,"start":575.08997,"end":608.025},{"sentences":[{"text":"Okay.","start":610.505,"end":611.005,"sentiment":"neutral","sentiment_score":-0.06676052510738373},{"text":"Yeah.","start":615.065,"end":615.565,"sentiment":"neutral","sentiment_score":-0.03986870497465134},{"text":"Right.","start":621.705,"end":622.05,"sentiment":"neutral","sentiment_score":-0.0016455966979265213},{"text":"Yep.","start":623.81,"end":624.20996,"sentiment":"neutral","sentiment_score":0.00408173305913806},{"text":"Yep.","start":624.20996,"end":624.45,"sentiment":"neutral","sentiment_score":0.012502124533057213}],"sentiment":"neutral","sentiment_score":-0.018338193837553262,"num_words":5,"start":610.505,"end":624.45},{"sentences":[{"text":"Yep.","start":624.45,"end":624.69,"sentiment":"neutral","sentiment_score":0.01759195141494274},{"text":"Yep.","start":624.69,"end":625.01,"sentiment":"neutral","sentiment_score":0.02089293859899044},{"text":"Okay.","start":625.01,"end":625.41,"sentiment":"neutral","sentiment_score":0.0328594371676445},{"text":"Perfect.","start":625.41,"end":625.89,"sentiment":"neutral","sentiment_score":-0.003746114671230316},{"text":"Well, what we might do then is that while I have you on the phone, I'll talk about it now.","start":625.89,"end":630.70996,"sentiment":"neutral","sentiment_score":0.010320549923926592}],"sentiment":"neutral","sentiment_score":0.011417050457869967,"num_words":24,"start":624.45,"end":630.70996},{"sentences":[{"text":"Do you have any availability to go through, like, the research and proposal?","start":631.17,"end":635.75,"sentiment":"neutral","sentiment_score":0.01829334104863497},{"text":"Let's do then not next week, and we can follow-up with you once you've spoken to the payroll next week.","start":636.435,"end":641.97504,"sentiment":"neutral","sentiment_score":0.03804479539394379},{"text":"And then we'll do it the week after just if we need to make any updates.","start":642.59503,"end":646.615,"sentiment":"neutral","sentiment_score":0.06080139661207795},{"text":"Okay.","start":649.075,"end":649.395,"sentiment":"neutral","sentiment_score":0.28286316990852356},{"text":"Perfect.","start":649.395,"end":649.895,"sentiment":"positive","sentiment_score":0.3501307964324951}],"sentiment":"neutral","sentiment_score":0.05106913046363522,"num_words":51,"start":631.17,"end":649.895},{"sentences":[{"text":"So week of the twenty fourth to twenty seventh, what does that look like for you?","start":649.955,"end":656.07996,"sentiment":"neutral","sentiment_score":0.10834767110645771},{"text":"Wednesday?","start":666.77997,"end":667.27997,"sentiment":"neutral","sentiment_score":0.093271866440773},{"text":"Okay.","start":668.61505,"end":669.11505,"sentiment":"neutral","sentiment_score":0.15713179111480713},{"text":"Perfect.","start":670.53503,"end":670.935,"sentiment":"neutral","sentiment_score":0.2988801598548889},{"text":"Let's see here.","start":670.935,"end":671.995,"sentiment":"neutral","sentiment_score":0.03787645325064659}],"sentiment":"neutral","sentiment_score":0.10893072340298783,"num_words":22,"start":649.955,"end":671.995},{"sentences":[{"text":"Okay.","start":677.97504,"end":678.455,"sentiment":"neutral","sentiment_score":0.012716487050056458},{"text":"Beautiful.","start":678.455,"end":678.955,"sentiment":"neutral","sentiment_score":0.1485666781663895},{"text":"Okay.","start":683.75,"end":684.25,"sentiment":"neutral","sentiment_score":0.1798555850982666},{"text":"Perfect.","start":684.55,"end":685.02997,"sentiment":"neutral","sentiment_score":0.2544723451137543},{"text":"Let me see.","start":685.02997,"end":685.58997,"sentiment":"neutral","sentiment_score":0.09506326417128245}],"sentiment":"neutral","sentiment_score":0.12582869827747345,"num_words":7,"start":677.97504,"end":685.58997},{"sentences":[{"text":"Now at the moment, I can do either.","start":685.58997,"end":687.35,"sentiment":"neutral","sentiment_score":0.061049485113471746},{"text":"So I could do 12:12 o'clock either on Wednesday, the twenty sixth or Thursday, the twenty seventh.","start":687.35,"end":693.67,"sentiment":"neutral","sentiment_score":0.04046839278410463},{"text":"What would you prefer?","start":693.67,"end":694.635,"sentiment":"neutral","sentiment_score":0.01863580895587802},{"text":"Yep.","start":695.91504,"end":696.41504,"sentiment":"neutral","sentiment_score":0.0034532262943685055},{"text":"Stuff.","start":700.47504,"end":700.955,"sentiment":"neutral","sentiment_score":0.13346457481384277}],"sentiment":"neutral","sentiment_score":0.04476837403771858,"num_words":31,"start":685.58997,"end":700.955},{"sentences":[{"text":"Yep.","start":700.955,"end":701.355,"sentiment":"neutral","sentiment_score":0.17498110234737396},{"text":"Sorted.","start":701.355,"end":701.855,"sentiment":"neutral","sentiment_score":0.24767911434173584},{"text":"Alright.","start":702.47504,"end":702.875,"sentiment":"positive","sentiment_score":0.5087323188781738},{"text":"Perfect.","start":702.875,"end":703.275,"sentiment":"positive","sentiment_score":0.7030229568481445},{"text":"Well, I will lock that in at 12:00 on the twenty seventh.","start":703.275,"end":709.375,"sentiment":"neutral","sentiment_score":0.20029925679167113}],"sentiment":"neutral","sentiment_score":0.2523754108697176,"num_words":16,"start":700.955,"end":709.375},{"sentences":[{"text":"And then, obviously, if something changed, you just let me know.","start":710.89,"end":714.51,"sentiment":"neutral","sentiment_score":0.08792842450467023},{"text":"And then what I might do is I will have my colleague, Whitlam, probably give you a call.","start":715.21,"end":723.39,"sentiment":"neutral","sentiment_score":0.08857814015613662},{"text":"Do you reckon that Wednesday or Thursday next week, you would have spoken to payroll?","start":724.115,"end":728.77496,"sentiment":"neutral","sentiment_score":0.021453727719684443},{"text":"Yeah.","start":728.995,"end":729.495,"sentiment":"neutral","sentiment_score":0.03998429700732231},{"text":"Any preference of of when, or can he just kind of call you just a quick call?","start":730.115,"end":735.735,"sentiment":"neutral","sentiment_score":0.0034045452964218226}],"sentiment":"neutral","sentiment_score":0.04808526895489664,"num_words":62,"start":710.89,"end":735.735},{"sentences":[{"text":"Yeah.","start":735.795,"end":736.195,"sentiment":"neutral","sentiment_score":0.10755453258752824},{"text":"Alright.","start":736.195,"end":736.595,"sentiment":"positive","sentiment_score":0.3799463212490082},{"text":"Perfect.","start":736.595,"end":737.095,"sentiment":"positive","sentiment_score":0.5635172128677368},{"text":"I'll just I'll put it on the Wednesday and just for him to give you a quick call.","start":737.45996,"end":743.06,"sentiment":"neutral","sentiment_score":0.30941679659816956},{"text":"If you do find out earlier, though, you can even just email me the information.","start":743.06,"end":747.63995,"sentiment":"neutral","sentiment_score":0.15104125142097474}],"sentiment":"neutral","sentiment_score":0.24683719935516515,"num_words":36,"start":735.795,"end":747.63995},{"sentences":[{"text":"You can just like, oh, this is my this is my my pay at the moment.","start":749.62,"end":753.435,"sentiment":"neutral","sentiment_score":0.06805572099983692},{"text":"So and do you have my email address as 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do email the person who last emailed you, they will forward it on to me anyway.","start":788.40497,"end":794.505,"sentiment":"neutral","sentiment_score":0.05365160801871256},{"text":"So okay.","start":796.07,"end":796.94995,"sentiment":"neutral","sentiment_score":0.2604795917868614}],"sentiment":"neutral","sentiment_score":0.051155666842363605,"num_words":43,"start":775.11,"end":796.94995},{"sentences":[{"text":"Perfect.","start":796.94995,"end":797.44995,"sentiment":"positive","sentiment_score":0.45923912525177},{"text":"Now if we work with so irrespective of what you're gonna say.","start":797.91,"end":802.41,"sentiment":"neutral","sentiment_score":0.1313121773612996},{"text":"Now at the moment, how much do you think you would like to put in?","start":803.99,"end":809.37,"sentiment":"neutral","sentiment_score":0.04160467932621638},{"text":"Do you get paid weekly, monthly, fortnightly?","start":809.465,"end":811.805,"sentiment":"neutral","sentiment_score":0.017100758850574493},{"text":"Fortnightly.","start":813.78503,"end":814.28503,"sentiment":"neutral","sentiment_score":0.1017984226346016}],"sentiment":"neutral","sentiment_score":0.08001553272414538,"num_words":36,"start":796.94995,"end":814.28503},{"sentences":[{"text":"Okay.","start":814.585,"end":815.085,"sentiment":"neutral","sentiment_score":0.14726302027702332},{"text":"So from a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing?","start":815.22504,"end":823.63,"sentiment":"neutral","sentiment_score":0.09762632865458727},{"text":"You can do whatever you want, really.","start":831.61,"end":833.29,"sentiment":"positive","sentiment_score":0.3482156651360648},{"text":"The only thing I would say, if you have a super high amount, I would just need to do all the math to make sure you're not con exceeding any concessional basis.","start":833.29,"end":841.405,"sentiment":"neutral","sentiment_score":0.05484822700964287},{"text":"But you you could literally some people start with, like, fifty, twenty, 100, whatever you feel comfortable with.","start":841.945,"end":848.685,"sentiment":"neutral","sentiment_score":0.15514414674705929}],"sentiment":"neutral","sentiment_score":0.11647483532149823,"num_words":78,"start":814.585,"end":848.685},{"sentences":[{"text":"Yep.","start":851.385,"end":851.61,"sentiment":"positive","sentiment_score":0.5332461595535278},{"text":"Yes.","start":866.045,"end":866.545,"sentiment":"positive","sentiment_score":0.5352894067764282},{"text":"Yeah.","start":867.565,"end":868.065,"sentiment":"positive","sentiment_score":0.5220153331756592},{"text":"It happens.","start":869.725,"end":870.545,"sentiment":"neutral","sentiment_score":0.3057033270597458},{"text":"Yes.","start":870.685,"end":871.185,"sentiment":"positive","sentiment_score":0.3415929079055786}],"sentiment":"positive","sentiment_score":0.4239250769217809,"num_words":6,"start":851.385,"end":871.185},{"sentences":[{"text":"Yes.","start":871.805,"end":872.305,"sentiment":"positive","sentiment_score":0.510231614112854},{"text":"Perfect.","start":872.445,"end":872.945,"sentiment":"positive","sentiment_score":0.6806535720825195},{"text":"And the good thing with salary sacrifice as well is that you can always stop and change whenever you want to.","start":873.085,"end":878.54004,"sentiment":"positive","sentiment_score":0.49858889125642325},{"text":"So even, like, let's say you do okay.","start":878.54004,"end":880.46,"sentiment":"neutral","sentiment_score":0.23692536354064941},{"text":"Let's do a $100 a fortnight, and then you come off your high duties and, let's say, income change and you just don't wanna do it, then you can stop whenever you want to.","start":880.46,"end":889.82,"sentiment":"neutral","sentiment_score":0.16851165397640536}],"sentiment":"neutral","sentiment_score":0.2967084776323575,"num_words":65,"start":871.805,"end":889.82},{"sentences":[{"text":"It's not something, like, you have to commit to forever.","start":889.82,"end":893.385,"sentiment":"neutral","sentiment_score":0.036072241887450215},{"text":"So I'll do draw up a $100 per fortnight, and I can show you what that looks like in terms of, obviously, how it impacts your take on pay, your super tax, and everything like that, which is good, and we can at least have a look.","start":893.525,"end":909.65,"sentiment":"neutral","sentiment_score":0.15569486159910548},{"text":"And sometimes just seeing it, like, okay.","start":909.65,"end":911.33,"sentiment":"neutral","sentiment_score":0.08471473625728063},{"text":"Well, it actually doesn't make that much of a of a change of the tax if you do get that tax benefit, but it actually boosts my super quite a bit.","start":911.33,"end":919.695,"sentiment":"neutral","sentiment_score":0.16816958406519505},{"text":"Sometimes that's a good way to be like, oh, okay.","start":919.935,"end":922.015,"sentiment":"positive","sentiment_score":0.41519143581390383}],"sentiment":"neutral","sentiment_score":0.16796719554279532,"num_words":105,"start":889.82,"end":922.015},{"sentences":[{"text":"Well, it does make maybe more of a difference than I thought.","start":922.015,"end":924.755,"sentiment":"positive","sentiment_score":0.429209782431523},{"text":"I will prioritize it.","start":925.135,"end":926.755,"sentiment":"neutral","sentiment_score":0.19281597435474396},{"text":"Yep.","start":928.175,"end":928.415,"sentiment":"neutral","sentiment_score":0.11820649355649948},{"text":"Okay.","start":928.415,"end":928.815,"sentiment":"neutral","sentiment_score":0.2500208020210266},{"text":"Beautiful.","start":928.815,"end":929.315,"sentiment":"positive","sentiment_score":0.5160824656486511}],"sentiment":"positive","sentiment_score":0.3582153183064963,"num_words":19,"start":922.015,"end":929.315},{"sentences":[{"text":"Now we'll get that sorted.","start":929.375,"end":930.995,"sentiment":"neutral","sentiment_score":0.2792135775089264},{"text":"Otherwise, when it comes to assets, is your property still valued at around 700,000, or has that changed?","start":931.53503,"end":938.35004,"sentiment":"neutral","sentiment_score":0.032355219746629395},{"text":"Yeah.","start":939.29004,"end":939.69,"sentiment":"neutral","sentiment_score":0.05168484151363373},{"text":"That's the same.","start":939.69,"end":940.51,"sentiment":"neutral","sentiment_score":0.06049292782942454},{"text":"Mortgage, about 230,500.","start":940.65,"end":944.43005,"sentiment":"neutral","sentiment_score":0.032959443206588425}],"sentiment":"neutral","sentiment_score":0.07701679325352112,"num_words":30,"start":929.375,"end":944.43005},{"sentences":[{"text":"Oh, perfect.","start":953.025,"end":953.685,"sentiment":"neutral","sentiment_score":0.2227170318365097},{"text":"I'll update that.","start":954.225,"end":955.445,"sentiment":"neutral","sentiment_score":0.18927127619584402},{"text":"Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing.","start":956.065,"end":964.68,"sentiment":"neutral","sentiment_score":0.042355711261431374},{"text":"Do you still have that one?","start":964.68,"end":965.98004,"sentiment":"neutral","sentiment_score":0.021654959147175152},{"text":"Yes.","start":967.32,"end":967.72003,"sentiment":"neutral","sentiment_score":0.09341712296009064}],"sentiment":"neutral","sentiment_score":0.06933075700093198,"num_words":27,"start":953.025,"end":967.72003},{"sentences":[{"text":"Perfect.","start":967.72003,"end":968.22003,"sentiment":"neutral","sentiment_score":0.24991443753242493},{"text":"And then the other one valued at about 10,000, but nothing owing.","start":968.60004,"end":972.46,"sentiment":"neutral","sentiment_score":0.03178122593089938},{"text":"Yep.","start":972.60004,"end":973.10004,"sentiment":"neutral","sentiment_score":0.07516568899154663},{"text":"Beautiful.","start":973.24,"end":973.74,"sentiment":"neutral","sentiment_score":0.2521822154521942},{"text":"Now any other assets that we haven't gone through?","start":974.12,"end":977.82,"sentiment":"neutral","sentiment_score":0.03843049001362589}],"sentiment":"neutral","sentiment_score":0.054354644302899636,"num_words":24,"start":967.72003,"end":977.82},{"sentences":[{"text":"Nope.","start":979.08,"end":979.48004,"sentiment":"neutral","sentiment_score":-0.04460334032773971},{"text":"Beautiful.","start":979.48004,"end":979.98004,"sentiment":"neutral","sentiment_score":0.07470783591270447},{"text":"Health and lifestyle wise, have you done her as a nonsmoker?","start":981.455,"end":984.83496,"sentiment":"neutral","sentiment_score":0.006842583417892456},{"text":"Is that still the case?","start":985.135,"end":986.195,"sentiment":"neutral","sentiment_score":-0.005196603015065193},{"text":"Yep.","start":987.055,"end":987.455,"sentiment":"neutral","sentiment_score":0.03825406730175018}],"sentiment":"neutral","sentiment_score":0.006191787653063473,"num_words":19,"start":979.08,"end":987.455},{"sentences":[{"text":"Beautiful.","start":987.455,"end":987.955,"sentiment":"neutral","sentiment_score":0.1445520967245102},{"text":"And have you had any significant health issues or injuries or any changes?","start":988.015,"end":992.675,"sentiment":"neutral","sentiment_score":-0.005815787240862846},{"text":"Nope.","start":992.89496,"end":993.39496,"sentiment":"neutral","sentiment_score":-0.006075169891119003},{"text":"That's great.","start":993.535,"end":994.27496,"sentiment":"neutral","sentiment_score":0.1567268744111061},{"text":"And do you have private health insurance?","start":995.2,"end":996.9,"sentiment":"neutral","sentiment_score":0.010445899197033473}],"sentiment":"neutral","sentiment_score":0.01872694732931753,"num_words":24,"start":987.455,"end":996.9},{"sentences":[{"text":"Nope.","start":998.72,"end":999.22,"sentiment":"neutral","sentiment_score":-0.09403976798057556},{"text":"All good.","start":999.27997,"end":999.94,"sentiment":"neutral","sentiment_score":0.011423755437135696},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place?","start":1000.56,"end":1009.635,"sentiment":"neutral","sentiment_score":-0.03082374009219083},{"text":"Nope.","start":1010.41504,"end":1010.91504,"sentiment":"neutral","sentiment_score":-0.23161618411540985},{"text":"That's all good.","start":1012.255,"end":1013.795,"sentiment":"neutral","sentiment_score":0.010634801428144177}],"sentiment":"neutral","sentiment_score":-0.032725045481568266,"num_words":29,"start":998.72,"end":1013.795},{"sentences":[{"text":"Okay.","start":1015.935,"end":1016.435,"sentiment":"neutral","sentiment_score":-0.0650508850812912},{"text":"Okay.","start":1023.21,"end":1023.29,"sentiment":"neutral","sentiment_score":0.09480924904346466},{"text":"Okay.","start":1023.29,"end":1023.79,"sentiment":"neutral","sentiment_score":0.1881190985441208},{"text":"Yeah.","start":1027.29,"end":1027.79,"sentiment":"neutral","sentiment_score":0.04579740017652512},{"text":"Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally?","start":1029.05,"end":1037.825,"sentiment":"neutral","sentiment_score":0.03250641655176878}],"sentiment":"neutral","sentiment_score":0.03745638679161116,"num_words":27,"start":1015.935,"end":1037.825},{"sentences":[{"text":"It's just a matter of doing it.","start":1037.825,"end":1039.605,"sentiment":"neutral","sentiment_score":-0.10908910312822886},{"text":"Yeah.","start":1041.185,"end":1041.505,"sentiment":"neutral","sentiment_score":0.006831401027739048},{"text":"Okay.","start":1041.505,"end":1042.005,"sentiment":"neutral","sentiment_score":0.032430075109004974},{"text":"Perfect.","start":1044.145,"end":1044.645,"sentiment":"positive","sentiment_score":0.5374244451522827},{"text":"Oh, that's good.","start":1046.15,"end":1046.95,"sentiment":"positive","sentiment_score":0.6332417130470276}],"sentiment":"neutral","sentiment_score":0.13175287219480827,"num_words":13,"start":1037.825,"end":1046.95},{"sentences":[{"text":"And when it comes through, obviously, your superannuation and your insurances, so the beneficiary nomination, it doesn't look like we have someone on file for you.","start":1046.95,"end":1057.9299,"sentiment":"neutral","sentiment_score":0.04714745913560574},{"text":"That's okay.","start":1064.995,"end":1065.8151,"sentiment":"neutral","sentiment_score":0.04848428629338741},{"text":"Do you still have the forms?","start":1066.275,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.005056871101260185},{"text":"You don't need us to resend it or anything?","start":1067.7151,"end":1069.7151,"sentiment":"neutral","sentiment_score":-0.015180197026994493},{"text":"Okay.","start":1069.7151,"end":1070.2151,"sentiment":"neutral","sentiment_score":0.06706918776035309}],"sentiment":"neutral","sentiment_score":0.029172526164488358,"num_words":44,"start":1046.95,"end":1070.2151},{"sentences":[{"text":"Perfect.","start":1072.8401,"end":1073.0801,"sentiment":"neutral","sentiment_score":0.3106379508972168},{"text":"Do you have any questions in regards to who you might wanna nominate or how it works, or is it just a matter of just deciding?","start":1073.0801,"end":1080.38,"sentiment":"neutral","sentiment_score":0.031477569172588676},{"text":"Yeah.","start":1082.04,"end":1082.54,"sentiment":"neutral","sentiment_score":0.06749756634235382},{"text":"Okay.","start":1087.88,"end":1088.38,"sentiment":"neutral","sentiment_score":0.06388667970895767},{"text":"Okay.","start":1088.895,"end":1089.2151,"sentiment":"neutral","sentiment_score":0.07263721525669098}],"sentiment":"neutral","sentiment_score":0.044435873689750834,"num_words":30,"start":1072.8401,"end":1089.2151},{"sentences":[{"text":"No.","start":1089.2151,"end":1089.535,"sentiment":"neutral","sentiment_score":0.09568260610103609},{"text":"That is no problem.","start":1089.535,"end":1090.755,"sentiment":"neutral","sentiment_score":0.1569562740623951},{"text":"If you do have any questions or are confused because there are some rules in regards to who you can nominate, just let me know.","start":1091.4551,"end":1098.1951,"sentiment":"neutral","sentiment_score":0.040135223567485806},{"text":"Yep.","start":1099.535,"end":1100.015,"sentiment":"neutral","sentiment_score":0.20897701382637024},{"text":"Alright.","start":1100.015,"end":1100.515,"sentiment":"neutral","sentiment_score":0.2649175822734833}],"sentiment":"neutral","sentiment_score":0.06877446523867548,"num_words":32,"start":1089.2151,"end":1100.515},{"sentences":[{"text":"Perfect.","start":1100.5751,"end":1101.0751,"sentiment":"neutral","sentiment_score":0.32520222663879395},{"text":"Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, maybe do some minor renovations.","start":1102.01,"end":1120.8251,"sentiment":"neutral","sentiment_score":0.07254129622952413},{"text":"Mhmm.","start":1129.2051,"end":1129.62,"sentiment":"neutral","sentiment_score":0.020170096307992935},{"text":"Mhmm.","start":1133.86,"end":1134.36,"sentiment":"neutral","sentiment_score":0.017953835427761078},{"text":"Yeah.","start":1137.14,"end":1137.64,"sentiment":"neutral","sentiment_score":0.009734907187521458}],"sentiment":"neutral","sentiment_score":0.07385710385879354,"num_words":63,"start":1100.5751,"end":1137.64},{"sentences":[{"text":"Yes.","start":1138.98,"end":1139.48,"sentiment":"neutral","sentiment_score":0.04585215449333191},{"text":"Tend to be a lot higher.","start":1140.02,"end":1141.4,"sentiment":"neutral","sentiment_score":0.012111169596513113},{"text":"Yeah.","start":1143.5549,"end":1144.0349,"sentiment":"neutral","sentiment_score":-0.04980071634054184},{"text":"So no.","start":1144.0349,"end":1146.4349,"sentiment":"neutral","sentiment_score":-0.20061752200126648},{"text":"That's so good.","start":1146.4349,"end":1147.1549,"sentiment":"neutral","sentiment_score":0.01451610897978147}],"sentiment":"neutral","sentiment_score":-0.02222832779471691,"num_words":13,"start":1138.98,"end":1147.1549},{"sentences":[{"text":"So car payment is basically at the top at the moment.","start":1147.1549,"end":1150.855,"sentiment":"neutral","sentiment_score":0.07017724791711027},{"text":"Is kind of a bit more long term still the plan of maybe looking at investment property on the Sunny Coast?","start":1152.6749,"end":1158.72,"sentiment":"neutral","sentiment_score":0.056789809926634745},{"text":"Mhmm.","start":1161.6799,"end":1162.1799,"sentiment":"neutral","sentiment_score":-0.06972243636846542},{"text":"Okay.","start":1163.76,"end":1164.26,"sentiment":"neutral","sentiment_score":0.02268359810113907},{"text":"Yes.","start":1184.355,"end":1184.595,"sentiment":"neutral","sentiment_score":0.07972882688045502}],"sentiment":"neutral","sentiment_score":0.05706359211887632,"num_words":35,"start":1147.1549,"end":1184.595},{"sentences":[{"text":"Yes.","start":1184.595,"end":1185.095,"sentiment":"neutral","sentiment_score":0.09093739092350006},{"text":"Yeah.","start":1196.35,"end":1196.85,"sentiment":"neutral","sentiment_score":0.06808429956436157},{"text":"Mhmm.","start":1202.11,"end":1202.475,"sentiment":"neutral","sentiment_score":0.061617352068424225},{"text":"Mhmm.","start":1213.035,"end":1213.195,"sentiment":"neutral","sentiment_score":-0.09092436730861664},{"text":"Mhmm.","start":1213.195,"end":1213.695,"sentiment":"neutral","sentiment_score":-0.0239931121468544}],"sentiment":"neutral","sentiment_score":0.021144312620162965,"num_words":5,"start":1184.595,"end":1213.695},{"sentences":[{"text":"Yep.","start":1214.235,"end":1214.735,"sentiment":"neutral","sentiment_score":-0.04287169128656387},{"text":"That and that is something we can definitely explore together when when you are ready.","start":1215.4349,"end":1219.67,"sentiment":"neutral","sentiment_score":0.1189242015282313},{"text":"If it is you wanna do, there's a lot of other types of investments you can look at outside super whenever you do wanna have a look at that.","start":1219.67,"end":1229.51,"sentiment":"neutral","sentiment_score":0.09987122604045374},{"text":"Sorry.","start":1229.51,"end":1229.99,"sentiment":"neutral","sentiment_score":0.025119610130786896},{"text":"That that's good.","start":1229.99,"end":1231.05,"sentiment":"neutral","sentiment_score":0.32960283756256104}],"sentiment":"neutral","sentiment_score":0.11533030631894968,"num_words":49,"start":1214.235,"end":1231.05},{"sentences":[{"text":"Yep.","start":1236.0651,"end":1236.5651,"sentiment":"neutral","sentiment_score":0.2092275619506836},{"text":"Yes.","start":1240.9451,"end":1241.4451,"sentiment":"neutral","sentiment_score":0.0901925191283226},{"text":"Yes.","start":1244.7051,"end":1245.2051,"sentiment":"neutral","sentiment_score":0.1013062447309494},{"text":"Get more flexibility.","start":1245.8251,"end":1246.805,"sentiment":"neutral","sentiment_score":0.1951411763827006},{"text":"No.","start":1247.24,"end":1247.4,"sentiment":"neutral","sentiment_score":0.07062002271413803}],"sentiment":"neutral","sentiment_score":0.1509671253817422,"num_words":7,"start":1236.0651,"end":1247.4},{"sentences":[{"text":"That is a great plan.","start":1247.4,"end":1248.86,"sentiment":"positive","sentiment_score":0.5961061000823975},{"text":"And when it comes through superannuation, do you still think that you wanna retire at 60 at this point?","start":1250.2001,"end":1258.62,"sentiment":"neutral","sentiment_score":0.07927091713798673},{"text":"Yep.","start":1259.24,"end":1259.64,"sentiment":"neutral","sentiment_score":0.154413104057312},{"text":"Beautiful.","start":1259.64,"end":1260.14,"sentiment":"positive","sentiment_score":0.7200648188591003},{"text":"As soon as possible.","start":1261.0,"end":1262.14,"sentiment":"positive","sentiment_score":0.5099853798747063}],"sentiment":"neutral","sentiment_score":0.24670324561496576,"num_words":30,"start":1247.4,"end":1262.14},{"sentences":[{"text":"And I have here an ideal income that you would like to draw from, SUSFA, when you do retire of around $1,500 per week.","start":1263.265,"end":1271.925,"sentiment":"positive","sentiment_score":0.3963479126493136},{"text":"Does that still sound about right?","start":1272.145,"end":1273.765,"sentiment":"neutral","sentiment_score":0.24591291944185892},{"text":"Yep.","start":1275.425,"end":1275.905,"sentiment":"neutral","sentiment_score":0.2781749963760376},{"text":"Perfect.","start":1275.905,"end":1276.405,"sentiment":"positive","sentiment_score":0.6265957355499268},{"text":"And, otherwise, when it comes to superannuation, I'll do kind of quickly run through just a bit of an updated risk profile questionnaire with you just to see if there is anything major that has changed if we need to also make any tweaks and changes to your at risk profile.","start":1277.7899,"end":1293.645,"sentiment":"neutral","sentiment_score":0.09369019112166237}],"sentiment":"neutral","sentiment_score":0.20085298673934246,"num_words":83,"start":1263.265,"end":1293.645},{"sentences":[{"text":"So just kind of bear with me.","start":1294.025,"end":1295.545,"sentiment":"neutral","sentiment_score":0.16827727002756937},{"text":"It is all the multiple choice to make it nice and easy, and there's no right or wrong answer.","start":1295.545,"end":1300.905,"sentiment":"positive","sentiment_score":0.3508748953279696},{"text":"Okay?","start":1300.905,"end":1301.405,"sentiment":"neutral","sentiment_score":0.12826314568519592},{"text":"Yep.","start":1302.985,"end":1303.385,"sentiment":"neutral","sentiment_score":0.2540861964225769},{"text":"Beautiful.","start":1303.385,"end":1303.885,"sentiment":"positive","sentiment_score":0.5736066102981567}],"sentiment":"neutral","sentiment_score":0.30346620185621853,"num_words":29,"start":1294.025,"end":1303.885},{"sentences":[{"text":"Now have you ever bought direct shares for yourself?","start":1304.76,"end":1308.3,"sentiment":"neutral","sentiment_score":0.1312197840048207},{"text":"No.","start":1310.04,"end":1310.54,"sentiment":"neutral","sentiment_score":-0.08154763281345367},{"text":"And when it comes to how much risk you are comfortable to take for your Would you say that you are willing to accept very high risk, high moderate, or a bit more of a smaller risk for your?","start":1311.64,"end":1327.235,"sentiment":"neutral","sentiment_score":-0.031472280430488095},{"text":"Mhmm.","start":1332.255,"end":1332.57,"sentiment":"neutral","sentiment_score":-0.0678943395614624},{"text":"Sorry.","start":1332.8899,"end":1333.2899,"sentiment":"neutral","sentiment_score":-0.14133045077323914}],"sentiment":"neutral","sentiment_score":-0.006612025566545187,"num_words":51,"start":1304.76,"end":1333.2899},{"sentences":[{"text":"Would you say Yep.","start":1333.2899,"end":1335.47,"sentiment":"neutral","sentiment_score":-0.136720797047019},{"text":"So more.","start":1336.4099,"end":1337.1499,"sentiment":"neutral","sentiment_score":-0.10627245530486105},{"text":"No.","start":1338.6499,"end":1339.1499,"sentiment":"neutral","sentiment_score":-0.15952718257904053},{"text":"Yep.","start":1341.7699,"end":1342.2699,"sentiment":"neutral","sentiment_score":-0.0740172266960144},{"text":"Somewhere in between.","start":1342.97,"end":1344.0099,"sentiment":"neutral","sentiment_score":-0.05281910796960195}],"sentiment":"neutral","sentiment_score":-0.1046754392710599,"num_words":11,"start":1333.2899,"end":1344.0099},{"sentences":[{"text":"Okay.","start":1344.0099,"end":1344.49,"sentiment":"neutral","sentiment_score":0.0753198117017746},{"text":"Perfect.","start":1344.49,"end":1344.99,"sentiment":"neutral","sentiment_score":-0.0634833499789238},{"text":"And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral?","start":1346.0099,"end":1372.4901,"sentiment":"neutral","sentiment_score":-0.09951234523307632},{"text":"You would just wanna kind of hold and wait to see what happens?","start":1372.4901,"end":1375.55,"sentiment":"neutral","sentiment_score":-0.05349667800160555},{"text":"Or mhmm.","start":1376.445,"end":1378.385,"sentiment":"neutral","sentiment_score":-0.028850301168859005}],"sentiment":"neutral","sentiment_score":-0.08906851100970756,"num_words":91,"start":1344.0099,"end":1378.385},{"sentences":[{"text":"No.","start":1379.085,"end":1379.325,"sentiment":"neutral","sentiment_score":-0.205313041806221},{"text":"I was gonna say, or would you be a bit worried about it and feel like you'd wanna sell and shift through something a little bit more secure, but then you are selling when the prices have dropped.","start":1379.325,"end":1389.93,"sentiment":"neutral","sentiment_score":-0.22932301285235504},{"text":"Mhmm.","start":1399.43,"end":1399.68,"sentiment":"neutral","sentiment_score":-0.17696920037269592},{"text":"Yes.","start":1399.68,"end":1400.18,"sentiment":"neutral","sentiment_score":-0.0719791054725647},{"text":"Yes.","start":1411.945,"end":1412.445,"sentiment":"neutral","sentiment_score":-0.3118031620979309}],"sentiment":"neutral","sentiment_score":-0.22572235709854535,"num_words":42,"start":1379.085,"end":1412.445},{"sentences":[{"text":"Mhmm.","start":1415.1,"end":1415.6,"sentiment":"neutral","sentiment_score":-0.0486626960337162},{"text":"Yep.","start":1423.66,"end":1424.16,"sentiment":"neutral","sentiment_score":-0.06619991362094879},{"text":"Yes.","start":1427.66,"end":1427.955,"sentiment":"neutral","sentiment_score":0.08443191647529602},{"text":"Mhmm.","start":1433.3949,"end":1433.8949,"sentiment":"neutral","sentiment_score":-0.04117912799119949},{"text":"Yep.","start":1438.0349,"end":1438.5349,"sentiment":"neutral","sentiment_score":0.126416876912117}],"sentiment":"neutral","sentiment_score":0.010961411148309707,"num_words":5,"start":1415.1,"end":1438.5349},{"sentences":[{"text":"Yep.","start":1438.9149,"end":1439.4149,"sentiment":"neutral","sentiment_score":0.14658337831497192},{"text":"Okay.","start":1444.0499,"end":1444.5499,"sentiment":"neutral","sentiment_score":0.17969247698783877},{"text":"How everything's up.","start":1445.65,"end":1446.95,"sentiment":"neutral","sentiment_score":0.005488406478737791},{"text":"Okay.","start":1447.09,"end":1447.59,"sentiment":"neutral","sentiment_score":-0.018142011016607285},{"text":"You'd wanna reassess.","start":1452.625,"end":1454.8049,"sentiment":"neutral","sentiment_score":-0.03966346010565758}],"sentiment":"neutral","sentiment_score":0.02284540926727156,"num_words":9,"start":1438.9149,"end":1454.8049},{"sentences":[{"text":"Yes.","start":1456.465,"end":1456.965,"sentiment":"neutral","sentiment_score":-0.03489989787340164},{"text":"And with your portfolio at the moment as well, you are in what we would call your your balance growth portfolio.","start":1457.505,"end":1466.565,"sentiment":"neutral","sentiment_score":0.06271869281218165},{"text":"So it is somewhere where you you're not, like, super defensive or balanced.","start":1467.265,"end":1472.3099,"sentiment":"neutral","sentiment_score":0.0052212059067992065},{"text":"You are somewhere in the middle.","start":1472.9299,"end":1474.37,"sentiment":"neutral","sentiment_score":-0.08986010650793712},{"text":"You are also not like your growth or high growth.","start":1474.37,"end":1477.0299,"sentiment":"neutral","sentiment_score":-0.057698889449238774}],"sentiment":"neutral","sentiment_score":0.004586643028054752,"num_words":51,"start":1456.465,"end":1477.0299},{"sentences":[{"text":"So it is essentially, you you do wanna focus on getting some growth of your superannuation, you know, while you're still working, contributing, have time, but you do also want that kind of conservative element as well.","start":1477.09,"end":1490.1549,"sentiment":"neutral","sentiment_score":0.11439779048433175},{"text":"Okay.","start":1491.895,"end":1492.215,"sentiment":"neutral","sentiment_score":0.3258568048477173},{"text":"Beautiful.","start":1492.215,"end":1492.715,"sentiment":"positive","sentiment_score":0.613560676574707},{"text":"Okay.","start":1494.135,"end":1494.635,"sentiment":"neutral","sentiment_score":0.3130331039428711},{"text":"Beautiful.","start":1494.855,"end":1495.355,"sentiment":"positive","sentiment_score":0.4678564667701721}],"sentiment":"neutral","sentiment_score":0.1451957390257498,"num_words":41,"start":1477.09,"end":1495.355},{"sentences":[{"text":"Now, Larissa, do you have access to your emails at the moment?","start":1496.76,"end":1500.14,"sentiment":"neutral","sentiment_score":0.1045520796130101},{"text":"Yeah.","start":1501.56,"end":1501.9601,"sentiment":"neutral","sentiment_score":0.059555068612098694},{"text":"Okay.","start":1501.9601,"end":1502.3601,"sentiment":"neutral","sentiment_score":0.06171855702996254},{"text":"So I have just sent you an email with a couple of documents to run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me.","start":1502.3601,"end":1514.225,"sentiment":"neutral","sentiment_score":0.12728030411970048},{"text":"And let me know.","start":1517.9651,"end":1519.5851,"sentiment":"neutral","sentiment_score":0.006392851937562227}],"sentiment":"neutral","sentiment_score":0.11245404602959752,"num_words":60,"start":1496.76,"end":1519.5851},{"sentences":[{"text":"Sorry.","start":1520.525,"end":1520.925,"sentiment":"neutral","sentiment_score":-0.10168929398059844},{"text":"The software has changed a little bit, so it might look a little bit different to what you are used to.","start":1520.925,"end":1524.765,"sentiment":"neutral","sentiment_score":-0.09054350161126681},{"text":"It's the same thing, though.","start":1524.765,"end":1525.8501,"sentiment":"neutral","sentiment_score":-0.008126352727413178},{"text":"It will ask you to click on a link to sign.","start":1525.8501,"end":1528.1101,"sentiment":"neutral","sentiment_score":-0.01750840348276225},{"text":"Doesn't mean you sign right away.","start":1528.25,"end":1530.01,"sentiment":"neutral","sentiment_score":-0.06412889622151852}],"sentiment":"neutral","sentiment_score":-0.05957046379758553,"num_words":44,"start":1520.525,"end":1530.01},{"sentences":[{"text":"Clicking on that link, it just allows you to open up and look at the documents first.","start":1530.01,"end":1534.03,"sentiment":"neutral","sentiment_score":0.004347383209011134},{"text":"You should then yep.","start":1535.13,"end":1537.39,"sentiment":"neutral","sentiment_score":0.0010761471930891275},{"text":"Let me know when you can see the first attachment.","start":1537.4501,"end":1539.345,"sentiment":"neutral","sentiment_score":-0.006868111807852984},{"text":"No.","start":1572.185,"end":1572.685,"sentiment":"neutral","sentiment_score":-0.1834644079208374},{"text":"That's okay.","start":1573.7051,"end":1574.525,"sentiment":"neutral","sentiment_score":-0.021447570994496346}],"sentiment":"neutral","sentiment_score":-0.006377369548906298,"num_words":34,"start":1530.01,"end":1574.525},{"sentences":[{"text":"Okay.","start":1592.04,"end":1592.54,"sentiment":"neutral","sentiment_score":-0.0783328041434288},{"text":"Maybe it's not loading.","start":1595.0,"end":1596.365,"sentiment":"neutral","sentiment_score":-0.1701045110821724},{"text":"Nope.","start":1598.265,"end":1598.765,"sentiment":"neutral","sentiment_score":-0.239730641245842},{"text":"Yep.","start":1600.825,"end":1601.325,"sentiment":"neutral","sentiment_score":-0.04131645709276199},{"text":"Yep.","start":1620.94,"end":1621.44,"sentiment":"neutral","sentiment_score":0.16341063380241394}],"sentiment":"neutral","sentiment_score":-0.10954841412603855,"num_words":8,"start":1592.04,"end":1621.44},{"sentences":[{"text":"Okay.","start":1621.58,"end":1622.08,"sentiment":"neutral","sentiment_score":0.29752078652381897},{"text":"Perfect.","start":1622.2999,"end":1622.7999,"sentiment":"positive","sentiment_score":0.6877115964889526},{"text":"No.","start":1623.4199,"end":1623.58,"sentiment":"neutral","sentiment_score":0.06845542788505554},{"text":"That's all good.","start":1623.58,"end":1624.575,"sentiment":"neutral","sentiment_score":0.2406469682852427},{"text":"So yes.","start":1624.975,"end":1628.355,"sentiment":"neutral","sentiment_score":0.1132899858057499}],"sentiment":"neutral","sentiment_score":0.2502760859206319,"num_words":8,"start":1621.58,"end":1628.355},{"sentences":[{"text":"Perfect.","start":1628.4149,"end":1628.8949,"sentiment":"positive","sentiment_score":0.42849433422088623},{"text":"So can you see there your, obviously, have your superannuation with hub twenty four?","start":1628.8949,"end":1633.475,"sentiment":"neutral","sentiment_score":0.11813778536660331},{"text":"And you do have a $396,438 in there.","start":1634.0149,"end":1641.3,"sentiment":"neutral","sentiment_score":0.049466929165646434},{"text":"Now underneath that, you also have your insurances.","start":1641.3,"end":1644.68,"sentiment":"neutral","sentiment_score":0.034514490980654955},{"text":"Now you have you you have your insurances with MetLife.","start":1645.14,"end":1648.36,"sentiment":"neutral","sentiment_score":0.04607747495174408}],"sentiment":"neutral","sentiment_score":0.0784158400010045,"num_words":41,"start":1628.4149,"end":1648.36},{"sentences":[{"text":"You have life and total permanent disability insurance, which is 880,900 and 50.","start":1649.22,"end":1655.965,"sentiment":"neutral","sentiment_score":0.03090327777541601},{"text":"Are you still happy with the level of cover you have for life and TPD?","start":1656.4249,"end":1660.125,"sentiment":"neutral","sentiment_score":0.1457716107368469},{"text":"Yep.","start":1660.4249,"end":1660.825,"sentiment":"neutral","sentiment_score":0.22468826174736023},{"text":"Beautiful.","start":1660.825,"end":1661.325,"sentiment":"positive","sentiment_score":0.4887869656085968},{"text":"And for your income protection as well, it will pay you that monthly amount of 6,836 per month.","start":1662.025,"end":1669.73,"sentiment":"neutral","sentiment_score":0.15027793993552527}],"sentiment":"neutral","sentiment_score":0.1251415607985109,"num_words":48,"start":1649.22,"end":1669.73},{"sentences":[{"text":"Now with income protection, it can cover you for up to 70% of your income.","start":1670.27,"end":1675.17,"sentiment":"neutral","sentiment_score":0.14972962488730748},{"text":"And if I do look at a 119,000, because this is one sometimes that can change a little bit, obviously, depending on if you get a big pay rise or if you, obviously, reduce your hours.","start":1675.55,"end":1688.285,"sentiment":"neutral","sentiment_score":0.017040935267383855},{"text":"But if your income is at a 119,000, that equates to about 6,941.","start":1689.145,"end":1695.945,"sentiment":"neutral","sentiment_score":0.07507934937110314},{"text":"So pretty spot on for what you have, which is great.","start":1695.945,"end":1699.3401,"sentiment":"positive","sentiment_score":0.39803906597874383},{"text":"Yep.","start":1699.68,"end":1700.18,"sentiment":"neutral","sentiment_score":0.14972755312919617}],"sentiment":"neutral","sentiment_score":0.1100474587323046,"num_words":76,"start":1670.27,"end":1700.18},{"sentences":[{"text":"Now you do have a thirty day waiting period and a five year benefit period.","start":1700.56,"end":1705.38,"sentiment":"neutral","sentiment_score":0.15138943493366241},{"text":"All three are paid from within hub twenty four.","start":1706.0,"end":1709.28,"sentiment":"neutral","sentiment_score":0.10784639335340923},{"text":"And after the tax rebate, you do pay 2,321 for those three.","start":1709.28,"end":1715.725,"sentiment":"neutral","sentiment_score":0.13510158906380335},{"text":"Do you have any questions with your insurances?","start":1717.225,"end":1719.245,"sentiment":"neutral","sentiment_score":0.019583404064178467},{"text":"Nope?","start":1722.985,"end":1723.385,"sentiment":"neutral","sentiment_score":-0.0824023187160492}],"sentiment":"neutral","sentiment_score":0.10970984548330306,"num_words":45,"start":1700.56,"end":1723.385},{"sentences":[{"text":"Okay.","start":1723.385,"end":1723.885,"sentiment":"neutral","sentiment_score":0.08653034269809723},{"text":"Perfect.","start":1724.985,"end":1725.45,"sentiment":"positive","sentiment_score":0.3820567727088928},{"text":"Now if you can go to the next document for me, it should have a performance report.","start":1725.9299,"end":1731.45,"sentiment":"neutral","sentiment_score":0.11855194060241475},{"text":"It should say performance with IRR.","start":1731.45,"end":1733.63,"sentiment":"neutral","sentiment_score":0.043748282827436924},{"text":"Yep.","start":1733.85,"end":1734.1699,"sentiment":"neutral","sentiment_score":0.02133344858884811}],"sentiment":"neutral","sentiment_score":0.10645358658467348,"num_words":26,"start":1723.385,"end":1734.1699},{"sentences":[{"text":"Beautiful.","start":1734.1699,"end":1734.6699,"sentiment":"neutral","sentiment_score":0.25887367129325867},{"text":"Now this one here might look a little bit messy sometimes.","start":1735.21,"end":1738.2699,"sentiment":"neutral","sentiment_score":-0.15542540699243546},{"text":"But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months.","start":1738.73,"end":1748.015,"sentiment":"neutral","sentiment_score":0.020291129920493672},{"text":"So this shows you from the 08/12/2025 to the 08/11/2026.","start":1748.3151,"end":1754.8099,"sentiment":"neutral","sentiment_score":0.013709886837750674},{"text":"Now, obviously, the last twelve months, like, you would know from obviously keeping an eye on things a little bit.","start":1755.35,"end":1760.63,"sentiment":"neutral","sentiment_score":0.004182051774114371}],"sentiment":"neutral","sentiment_score":-0.009887034694353739,"num_words":69,"start":1734.1699,"end":1760.63},{"sentences":[{"text":"There has been a bit of fluctuations in the market over the last twelve months, obviously, with everything in The US, Trump and tariffs and everything and, obviously, the war more recently have seen quite a bit of fluctuation in the market.","start":1760.63,"end":1773.145,"sentiment":"neutral","sentiment_score":-0.033286396657959336},{"text":"In saying that, though, your portfolio has still done pretty good considering the market conditions, which we're very happy with.","start":1774.405,"end":1781.785,"sentiment":"positive","sentiment_score":0.4953532345592976},{"text":"So in the last twelve months, now this is all after phase, your portfolio has still gone up by 7.55%, which we're quite happy with.","start":1782.2,"end":1794.675,"sentiment":"neutral","sentiment_score":0.3300896942615509},{"text":"Yeah.","start":1794.915,"end":1795.415,"sentiment":"positive","sentiment_score":0.4309658408164978},{"text":"Now what I will do as part of the research for you when we do look at the salary sacrifice is just to review the investments.","start":1796.915,"end":1804.375,"sentiment":"neutral","sentiment_score":0.08052769761819106}],"sentiment":"neutral","sentiment_score":0.16917512602613946,"num_words":114,"start":1760.63,"end":1804.375},{"sentences":[{"text":"It is good to do every now and then because, obviously, a lot has changed since we obviously put it together, and we do research on the investment all the time.","start":1804.8351,"end":1813.91,"sentiment":"neutral","sentiment_score":0.09073760528718272},{"text":"There is one investment I might wanna look at changing for you that is slightly underperforming a little bit at the moment, but I'd wanna just do that research and just to see some alternative options and what that might look like.","start":1814.45,"end":1828.0449,"sentiment":"neutral","sentiment_score":-0.013919698429249582},{"text":"But I can just do all of that together as part of the salary sacrifice to make it nice and easy.","start":1828.1849,"end":1834.445,"sentiment":"neutral","sentiment_score":0.09332321282653581},{"text":"Yep.","start":1835.065,"end":1835.565,"sentiment":"neutral","sentiment_score":0.14179912209510803},{"text":"Any Pretty straightforward.","start":1836.0249,"end":1838.7,"sentiment":"neutral","sentiment_score":0.1932098021109899}],"sentiment":"neutral","sentiment_score":0.05009647375162767,"num_words":98,"start":1804.8351,"end":1838.7},{"sentences":[{"text":"No.","start":1839.24,"end":1839.5599,"sentiment":"neutral","sentiment_score":0.056627046316862106},{"text":"Okay.","start":1839.5599,"end":1839.96,"sentiment":"neutral","sentiment_score":0.1284341663122177},{"text":"Beautiful.","start":1839.96,"end":1840.46,"sentiment":"neutral","sentiment_score":0.28233814239501953},{"text":"Now the next document should be your certificate of currency for your MetLife insurances, I believe.","start":1840.9199,"end":1846.7,"sentiment":"neutral","sentiment_score":0.08006185828708112},{"text":"No.","start":1852.755,"end":1853.155,"sentiment":"neutral","sentiment_score":-0.02406945638358593}],"sentiment":"neutral","sentiment_score":0.08621598156169057,"num_words":20,"start":1839.24,"end":1853.155},{"sentences":[{"text":"What does that look like?","start":1853.155,"end":1854.4551,"sentiment":"neutral","sentiment_score":0.0002601925283670429},{"text":"Yes.","start":1857.2351,"end":1857.7351,"sentiment":"neutral","sentiment_score":0.04042070358991623},{"text":"Yeah.","start":1857.9551,"end":1858.1951,"sentiment":"neutral","sentiment_score":0.04191124439239502},{"text":"We can do from that one.","start":1858.1951,"end":1859.655,"sentiment":"neutral","sentiment_score":0.03941350926955541},{"text":"Yeah.","start":1860.1951,"end":1860.515,"sentiment":"neutral","sentiment_score":0.06617334485054016}],"sentiment":"neutral","sentiment_score":0.027591950792287077,"num_words":14,"start":1853.155,"end":1860.515},{"sentences":[{"text":"We can we can look at this one.","start":1860.515,"end":1861.77,"sentiment":"neutral","sentiment_score":0.07488919142633677},{"text":"So do you remember seeing this before?","start":1861.85,"end":1864.11,"sentiment":"neutral","sentiment_score":0.03490891467247691},{"text":"Yep.","start":1865.53,"end":1865.93,"sentiment":"neutral","sentiment_score":0.06915178894996643},{"text":"Perfect.","start":1865.93,"end":1866.43,"sentiment":"neutral","sentiment_score":0.14227277040481567},{"text":"So every year, Vanguard does release a new updated version, which is good.","start":1866.73,"end":1870.89,"sentiment":"positive","sentiment_score":0.5250744154820075}],"sentiment":"neutral","sentiment_score":0.2626955964912971,"num_words":30,"start":1860.515,"end":1870.89},{"sentences":[{"text":"So the next one is actually due to come out on the eighteenth of this month.","start":1870.89,"end":1874.35,"sentiment":"neutral","sentiment_score":0.23797690961509943},{"text":"So they just kind of update, obviously, with different market trends.","start":1875.1649,"end":1878.3049,"sentiment":"neutral","sentiment_score":0.18435947867957028},{"text":"It does give us a good visual representation of what we are talking about when we're talking about the market.","start":1878.6849,"end":1884.3849,"sentiment":"neutral","sentiment_score":0.27135374173522},{"text":"You can basically see here over the long term, market always goes up.","start":1885.005,"end":1889.4049,"sentiment":"neutral","sentiment_score":0.0787460096180439},{"text":"The short term ups and downs and market fluctuation will happen.","start":1889.4049,"end":1893.81,"sentiment":"neutral","sentiment_score":-0.009468697180802172}],"sentiment":"neutral","sentiment_score":0.1715803114093945,"num_words":71,"start":1870.89,"end":1893.81},{"sentences":[{"text":"Now referring back to your balance growth portfolio, on the right side of this, you can actually see the different asset classes broken down.","start":1894.51,"end":1904.8151,"sentiment":"neutral","sentiment_score":0.07168678962625563},{"text":"So in a balanced growth portfolio, we typically have about 70% combined in your top four.","start":1905.275,"end":1912.735,"sentiment":"neutral","sentiment_score":0.14222874259576201},{"text":"So that is your US shares, which is like your light green line.","start":1913.115,"end":1916.975,"sentiment":"neutral","sentiment_score":0.11592374398158146},{"text":"You have Australian shares, which is, like, your darker green line, the international shares, which is, like, the yellow, and then you have Prosperity, which is, like, that maroon color.","start":1917.435,"end":1927.59,"sentiment":"neutral","sentiment_score":0.127491079022487},{"text":"And you can see that these are the ones that do grow the most, but also fluctuate.","start":1927.97,"end":1932.585,"sentiment":"neutral","sentiment_score":0.06982083925429512}],"sentiment":"neutral","sentiment_score":0.10514838142320514,"num_words":100,"start":1894.51,"end":1932.585},{"sentences":[{"text":"And, obviously, the closer you get to retirement, like you touched on, we then gradually want to start at reducing this and shifting it to your defensive.","start":1932.9049,"end":1942.365,"sentiment":"neutral","sentiment_score":0.022005312144756317},{"text":"But right now, you still have plenty of time until retirement and can take advantage of those little ups and downs in the market.","start":1943.225,"end":1949.5701,"sentiment":"neutral","sentiment_score":0.06161291136716803},{"text":"And typically speaking, in a balanced growth portfolio, we do want to allow at least five years until retirement for these fluctuations, which you certainly have behind you.","start":1951.15,"end":1961.15,"sentiment":"neutral","sentiment_score":0.06663658669484514},{"text":"So it's in a good position, And then you do have about 30% in defensive.","start":1961.15,"end":1966.195,"sentiment":"neutral","sentiment_score":0.14948395937681197},{"text":"So you can see, like, your bottom three, obviously, a bit more stable, not fluctuating as much.","start":1966.335,"end":1972.4349,"sentiment":"neutral","sentiment_score":0.153997721917489}],"sentiment":"neutral","sentiment_score":0.0792693548777082,"num_words":111,"start":1932.9049,"end":1972.4349},{"sentences":[{"text":"Yep.","start":1974.095,"end":1974.595,"sentiment":"neutral","sentiment_score":0.19764456152915957},{"text":"Perfect.","start":1974.655,"end":1975.155,"sentiment":"positive","sentiment_score":0.48791781067848206},{"text":"Now if you can click next for me.","start":1975.5499,"end":1977.57,"sentiment":"neutral","sentiment_score":0.16122127138078213},{"text":"Yeah.","start":1980.19,"end":1980.69,"sentiment":"neutral","sentiment_score":0.069963738322258},{"text":"Okay.","start":1981.5499,"end":1982.0499,"sentiment":"neutral","sentiment_score":0.2193372547626495}],"sentiment":"neutral","sentiment_score":0.18871946136156717,"num_words":12,"start":1974.095,"end":1982.0499},{"sentences":[{"text":"Perfect.","start":1982.4299,"end":1982.9299,"sentiment":"neutral","sentiment_score":0.3324674367904663},{"text":"So, basically, this just breaks down your insurance in a bit more detail.","start":1982.99,"end":1986.69,"sentiment":"neutral","sentiment_score":0.1873681086760301},{"text":"Just lets you know that's all paid and up to date, essentially.","start":1986.83,"end":1989.405,"sentiment":"neutral","sentiment_score":0.2293796887000402},{"text":"Just one of those compliance documents.","start":1989.405,"end":1998.5769,"sentiment":"neutral","sentiment_score":0.08566112878421943},{"text":"None of just one of those compliance documents.","start":1999.8113,"end":2005.78,"sentiment":"neutral","sentiment_score":0.017319992184638977}],"sentiment":"neutral","sentiment_score":0.1543333956040442,"num_words":40,"start":1982.4299,"end":2005.78},{"sentences":[{"text":"None of the important information has changed for you.","start":2006.88,"end":2009.76,"sentiment":"neutral","sentiment_score":0.029092948469850752},{"text":"It stays exactly the same.","start":2009.76,"end":2011.7001,"sentiment":"neutral","sentiment_score":0.27983912229537966},{"text":"Just bit of an update through marketing, some updated photo to the team, which is nice.","start":2012.72,"end":2017.975,"sentiment":"positive","sentiment_score":0.3638566993176937},{"text":"But, otherwise, I will kind of let you have a read over that in your own time.","start":2018.515,"end":2023.415,"sentiment":"neutral","sentiment_score":0.059978855445104486},{"text":"Any questions with this one?","start":2024.8351,"end":2026.4551,"sentiment":"neutral","sentiment_score":0.02179736066609621}],"sentiment":"neutral","sentiment_score":0.16560320543626753,"num_words":52,"start":2006.88,"end":2026.4551},{"sentences":[{"text":"No.","start":2027.395,"end":2027.795,"sentiment":"neutral","sentiment_score":-0.06224222481250763},{"text":"Okay.","start":2027.795,"end":2028.1951,"sentiment":"neutral","sentiment_score":0.050660133361816406},{"text":"Perfect.","start":2028.1951,"end":2028.6951,"sentiment":"positive","sentiment_score":0.3395560085773468},{"text":"Now the next document, is that your ongoing service agreement?","start":2030.275,"end":2035.78,"sentiment":"neutral","sentiment_score":0.05244122128933668},{"text":"Yes.","start":2039.6,"end":2040.08,"sentiment":"neutral","sentiment_score":0.1279381811618805}],"sentiment":"neutral","sentiment_score":0.07002316508442163,"num_words":14,"start":2027.395,"end":2040.08},{"sentences":[{"text":"So this one here, it will ask for your signature if you are happy to do so.","start":2040.08,"end":2044.335,"sentiment":"neutral","sentiment_score":0.11887961428831606},{"text":"Now what it is is just your ongoing service agreement.","start":2044.575,"end":2048.115,"sentiment":"neutral","sentiment_score":0.04474243074655533},{"text":"So the fee structure has not changed at all for you.","start":2049.135,"end":2052.655,"sentiment":"neutral","sentiment_score":0.07757158306511966},{"text":"It stays exactly the same at that 1.65 from super.","start":2052.655,"end":2056.915,"sentiment":"neutral","sentiment_score":0.17196996808052062},{"text":"No changes in regards to that, and it is also not a lock in contract.","start":2057.45,"end":2062.1099,"sentiment":"neutral","sentiment_score":-0.01810620625813802}],"sentiment":"neutral","sentiment_score":0.07571066271454568,"num_words":63,"start":2040.08,"end":2062.1099},{"sentences":[{"text":"So if at any point in time you are not happy with the service or anything, it is not a lock in contract.","start":2062.49,"end":2069.0698,"sentiment":"neutral","sentiment_score":-0.10275826003888379},{"text":"No exit fees or anything like that.","start":2069.13,"end":2071.47,"sentiment":"neutral","sentiment_score":-0.12684582067387445},{"text":"But by signing this document, it otherwise just allows you allows us to manage all your investments and your super insurances and everything for you in the meantime.","start":2071.905,"end":2081.925,"sentiment":"neutral","sentiment_score":0.2214161210826465},{"text":"Yep.","start":2083.585,"end":2084.085,"sentiment":"neutral","sentiment_score":0.2879427671432495},{"text":"Perfect.","start":2084.145,"end":2084.645,"sentiment":"positive","sentiment_score":0.3796966075897217}],"sentiment":"neutral","sentiment_score":0.06026550065726042,"num_words":60,"start":2062.49,"end":2084.645},{"sentences":[{"text":"So, yes, if you're happy to do so, it will ask you for your signature and date at the bottom of that document.","start":2085.48,"end":2091.26,"sentiment":"neutral","sentiment_score":0.16816601481126703},{"text":"And it should then say validate, I believe.","start":2093.24,"end":2097.18,"sentiment":"neutral","sentiment_score":0.11190370377153158},{"text":"Yep.","start":2098.04,"end":2098.54,"sentiment":"neutral","sentiment_score":0.1392592042684555},{"text":"And when you press validate, it will then load for a little bit, and then it should send it back to me automatically as well.","start":2098.6,"end":2106.625,"sentiment":"neutral","sentiment_score":0.19932224810123444},{"text":"Perfect.","start":2108.6848,"end":2109.1848,"sentiment":"positive","sentiment_score":0.3638678789138794}],"sentiment":"neutral","sentiment_score":0.17671088373352742,"num_words":58,"start":2085.48,"end":2109.1848},{"sentences":[{"text":"Now it might take a little bit to come through, which is fine.","start":2110.285,"end":2113.565,"sentiment":"neutral","sentiment_score":0.1545217467042116},{"text":"So just kind of recapping, I do have you booked in on Thursday, August 27 at 12PM to go through that salary sacrifice and if there's any tweaks we need to do to any of your investments in your superannuation.","start":2113.565,"end":2126.97,"sentiment":"neutral","sentiment_score":0.08133652610704303},{"text":"And I will also have my colleague, if I haven't received an email from you with the income before then, to give you a call just to kind of touch base next Wednesday, the nineteenth, just to see if you've had a chance to talk to them.","start":2128.275,"end":2142.92,"sentiment":"neutral","sentiment_score":0.08023109532734181},{"text":"Yep.","start":2144.42,"end":2144.9,"sentiment":"positive","sentiment_score":0.5052697062492371},{"text":"Perfect.","start":2144.9,"end":2145.4,"sentiment":"positive","sentiment_score":0.8060523867607117}],"sentiment":"neutral","sentiment_score":0.10141595416501456,"num_words":102,"start":2110.285,"end":2145.4},{"sentences":[{"text":"Do you have any questions or anything else for me at this point before I let you go and get on with the rest of your day?","start":2145.6199,"end":2152.28,"sentiment":"positive","sentiment_score":0.3418448876451563},{"text":"No.","start":2153.8599,"end":2154.3599,"sentiment":"neutral","sentiment_score":-0.19352999329566956},{"text":"Okay.","start":2154.74,"end":2155.14,"sentiment":"neutral","sentiment_score":0.12286321073770524},{"text":"Perfect.","start":2155.14,"end":2155.6199,"sentiment":"positive","sentiment_score":0.42988258600234985},{"text":"If you do think of anything, just always call the office.","start":2155.6199,"end":2158.875,"sentiment":"neutral","sentiment_score":0.12476715851913799}],"sentiment":"neutral","sentiment_score":0.2673528417944908,"num_words":41,"start":2145.6199,"end":2158.875},{"sentences":[{"text":"You have my email as well.","start":2158.9348,"end":2160.2148,"sentiment":"neutral","sentiment_score":0.1538559595743815},{"text":"You can email me directly.","start":2160.2148,"end":2161.755,"sentiment":"neutral","sentiment_score":0.09305976629257202},{"text":"But, otherwise, I'll keep a lookout for that email or to find out about your income.","start":2162.615,"end":2168.315,"sentiment":"neutral","sentiment_score":0.1188930063508451},{"text":"And, otherwise, I look forward to speaking with you on Thursday, '20 seventh.","start":2168.375,"end":2174.48,"sentiment":"neutral","sentiment_score":0.28200566596709764},{"text":"Mhmm.","start":2174.48,"end":2174.6401,"sentiment":"neutral","sentiment_score":0.32494646310806274}],"sentiment":"neutral","sentiment_score":0.17760348320007324,"num_words":41,"start":2158.9348,"end":2174.6401},{"sentences":[{"text":"No problem at all.","start":2174.6401,"end":2175.6,"sentiment":"positive","sentiment_score":0.44230903685092926},{"text":"It was lovely speaking with you, and you enjoy the rest of your afternoon.","start":2175.6,"end":2178.82,"sentiment":"positive","sentiment_score":0.7860392268214907},{"text":"Mhmm.","start":2180.24,"end":2180.72,"sentiment":"neutral","sentiment_score":0.2548118829727173},{"text":"Thanks.","start":2180.72,"end":2181.22,"sentiment":"positive","sentiment_score":0.5295282602310181},{"text":"Bye.","start":2181.36,"end":2181.86,"sentiment":"neutral","sentiment_score":0.27065810561180115}],"sentiment":"positive","sentiment_score":0.658513503415244,"num_words":21,"start":2174.6401,"end":2181.86}]}}]},{"alternatives":[{"transcript":"Hello, Louis? I'm well. Thanks, Veronica. How are you going? Yes. Yep. That's fine. I'm just I have a I have a 100 pens here. So but they're just not right here. Yes. Yep. That's fine. It's Larissa May Macosh, and it's 03/12/1980. And my address is 11 Robin Street, Perth And Gary. Yes. It has, but I think I'm getting there. So slowly. Yes. Yes. It's it's probably just that. Just to catch up, really, just to see where everything is. I mean, I've been keeping an eye on the ups and downs of the the market. So I sort of know just, you know, all of that kind of stuff. But yeah. So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting an error message and then said, oh, you need to do your thing. And I went, okay. Alright. Fine. I'll yep. Yep. Yep. I'm assuming so. I haven't heard anything, so I think so. Mhmm. Mhmm. Yeah. Yeah. They would've But we our pay day was yesterday or Tuesday anyway. So it's possible that they've yeah. Yep. Yep. Yep. Yes. That's yep. Yes. Yep. Yep. Yes. That that sounds yep. That's good. That's good. Mhmm. Yes. Yep. Yes. Yep. Rob. Well, he's my he's my. Yep. No. Input. 501. It should end in 501. I it's 04 his number is 0414 891501. Yep. No. I would just wanted to check because I've I did we've just undergone a little bit of a, like, our normal financial review and things. And I'm trying to bring it up, but I can't actually see it because it's really slow today. But I just wanted to check what my what you had on record for my annual salary. Oh, okay. Alright. Yes. So I we've got an increase with the CPI. So it's now I've just been told it's a 119,000. I'm just trying to check to see. I did get my pay slip yesterday, but I just cannot find it anywhere in my system just to yeah. Yep. Yep. I tried to try to search for it, and I just, like, I don't I just don't know where it is. Oh, basically. Here it is. Oh, here you go. I just don't know because I'm also getting higher duties at the moment as in but I don't know whether the 119,000 actually is my base or the one that with my higher duties. So that's what I wasn't quite sure, but I think that we just go on a 119 at the moment until I can sort of work that out. Yes. Yeah. Yeah. At it's at six months. So that's why I'm just wondering because it's that it sort of happened in the wrong order. Like, I got my hire duties, and then they did our review. But I was supposed to sort of do the review and then go, oh, actually, you know what? You're hired. You can stay on your hire duties, and that will be your base. But I don't know that it sort of happened because we had some people stick away. That's that's why I'm not sure whether the 119 is just a normal CPI increase that we would get or whether that was, yeah, that's that's that's where my that's where it's not clear, and it doesn't actually help that my payslip itself. We got back paid from the July 1 for all of our, like, our our CPI. So my payslip is not very clear at all in terms of what I actually get. So I'll I'll have to just follow-up with my payroll just to do that. But let's just go on a hundred nineteen at the moment because anything could happen, and it could just potentially go back. I know for certain that that's what I've got in writing as of yesterday. So mhmm. Mhmm. Yep. Yep. Yes. Yep. Yep. All the same. Yep. Yep. All the same. Yes. Yes. Yep. Yep. Yep. Yes. Yep. Yep. I'm not, but I really need to. I really need to. I used to be with the government, but I haven't here. So Yeah. Yeah. Yep. That would that would be really good because and and that's what I was I was hoping to have that all of the kind of that question mark over what what what my actual going forward, what my pay would be So I have a bit more of an idea of of what I get. And, clearly, I can't read it in my yesterday was a bit of a anomaly with our payslips because we were backdated and stuff, and it's not actually clear how how much was what. So I'm gonna say yes. That would be good because I really do wanna make more contributions. But, yeah, it just does depend on what it would be. Mhmm. Yep. I can probably look. Probably next week is going to be only because they're doing annual, like, annual reports and all of that kind of stuff. And and we literally we've got 30 people in our company. So it's only very it's only very small, and there's so it does take things do take a bit of time to get done because we probably I'm the only person in my team, for instance, and, you know, there's one there's one payroll officer. So it's it's kind of like yep. A bit difficult. Oh, yep. That would be perfect. Yeah. Yes. That would be yeah. Yep. Yep. That that sounds really good. Yep. It's probably a bit like a Thursday or Friday is generally a Wednesday or a Thursday or a Friday is generally good for me. So yeah. So I'm I'm actually apart from the Monday and Tuesday that that week, I don't have any meetings at this stage. I'm gonna say maybe the Wednesday or Thursday would be better and probably around that lunchtime mark. Okay. Let's let's do the twenty seventh because that might just give me that extra day just to see if I can get some stuff. Yep. Yes. Yes. Yes. Yeah. Yeah. Yep. Yep. Yep. Yep. Oh, no. That's that's probably fine. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. I don't know. Did I get it directly from you, or I might have gotten it from somebody else. I'll just I can't remember who actually sent you the email. But you can just give it to me just in case so I don't need to go in and find it. Mhmm. Mhmm. Mhmm. Okay. Alright. Perfect. Yep. Okay. Perfect. Mhmm. I get fortnightly. Yeah. Yes. Yep. Is that a generally, I think that it's like a two or three percent, isn't it? Yep. Yep. Yep. Okay. Alright. I mean yeah. I might be thinking it it I I think a 100 is a nice number for me only because it sort of it might actually offset some of the the high duties that I'm getting at the moment anyway, and it's like I'd rather put that towards it's almost like I'm I'm working for my future self. It makes me feel it it makes me feel better when I have so much on that I go, it's worth it. Mean retirement. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Okay. Mhmm. Yes. Yes. That's right. Yes. Yep. Yep. Yes. Yes. Yep. Yes. Yes. Yes. Yep. I just looked at it yesterday, actually. I think it's our balance is about 223,000 now. Mhmm. Oh, yes. Yes. That's a rough Yep. Yep. Yes. No. No. Mhmm. Nine. Nine. No. I don't. I don't have any of that. I should because I'm going through this heartache with my mom at the moment with she's not well, and, yes, we're trying to sell her house. And, luckily, we actually have power of attorney, which it just makes it a lot easier for us. So I do know that it's very important. Oh, no. That's that's no. That's fine. We sort of we've I've been working. Yep. Yep. Working with somebody like that. So No. It's not. You've sent it to me so many times that I'm just I just haven't done it yet. Yes. Yes. I still I definitely still have them. So no. No. That's yeah. Yep. That's it's probably yeah. I mean, it will pick yeah. That that's fine. It will be Rob. So mhmm. Okay. Alright. Perfect. Yeah. Yep. Yeah. We've probably still got that. I've actually really want to one of I think the mortgage is gonna be there for a while, but I think just trying to get the the payment on the car is probably one of our top one. It's probably higher at the moment, like, because just the interest in that is just it's gonna be double the value of the car. So it's it's not it's not great. I I would think so, but probably not great. I mean, it's it's with it would be good. But I think at the moment, we we just want to clear some like, the the the everyday amounts at the moment that we've got, like, our our monthly output, so we do have some more spare cash. I mean, we're we are looking at I think now that I've got a bit more money behind me and Rob's sort of getting a little bit more as well, we'd probably wanna just see what we're doing. Or longer term, we just wanna wanna get some invest just some even if it's like cash investment, you know, some more. I know that my super is doing some amazing things with Top twenty four. So, I mean, maybe that's an option to be doing something like that. I don't know. I mean, I don't know. This yep. Yep. Yes. Yeah. Yeah. I mean, that's probably something that we would be looking at. Actually, I just I yeah. We we wanna be sort of generating some of that, you know, like, passive income and or or putting, you know, some of the that more options options out there. So yep. Mhmm. Yes. Yes. Yep. Yes. Yep. Yep. Yep. Yep. Yes. No. I think I think I'm at the middle to high at the moment. Not super high. Not super not the highest risk, but a comfortable not the medium, not the middle ground, kind of somewhere in between. Probop yep. Sorry. Sorry. I think in the given just the way that I I hadn't I I was just pretty risk at first for a few for up until probably a few years ago, and then I sort of, you know, went a little bit riskier. And just seeing the way that things are at the moment, it's really hard to tell whether things are gonna get any better or keep going up or down. So I think that I I know that it's being taken care of in terms of because I can see, you know, things getting shifted around and things being done. So I know that somebody is looking after that. But I think as I get closer to retirement age, I think I'm gonna wanna start to do that a little less risky stuff. But for the time being, I think I'm happy to kind of where I'm at at the moment in terms of where things are. But yeah. I mean, if things start to really, really start to go shit, I'm gonna let's let's call back and see. Yeah. Let's call back and see. Yeah. Yep. Yes. Yep. No. Yep. Yes. Yep. Mhmm. Yep. Yep. Yes. That sounds like me. That sounds like me. Yes. Mhmm. Mhmm. Yep. Okay. Yep. It's it's it's loading. It's having having a moment, I think. I don't wanna press refresh in case it does something. It's been hot spotting, so maybe that's the issue. Let's go. Oh, where is your oh, that's weird. Where is your signing? It does it's come up, but then it's it's got nothing on the page. That is odd. Let me just I'll just close out of it. I'll turn off my hotspot and connect to the Wi Fi here. Change over. There you go. Okay. Yep. That worked. Was just having a day. Alright. Yes. So I'm on to the summary of financial. Yep. Yes. Mhmm. Yes. Yes. Yes. Mhmm. Yep. Yes. Yep. Mhmm. Okay. No. No. That's that's fine. Yep. Mhmm. Yes. Yep. Mhmm. Mhmm. Yes. Yes. Yep. Yes. Yes. That's good. That's very good. Yep. Yes. Mhmm. Okay. Okay. Alright. That sounds good. Oh, I know. Oh, I might have I accidentally clicked the next document. But it says the Vanguard index chart. Oh, that's it. Yep. Yes. Yep. Mhmm. Yep. Yes. Yep. Mhmm. Mhmm. Yes. Yes. Mhmm. Yes. Good. Mhmm. Oh, that's got a certificate of currency. Yes. Mhmm. Yes. It does. Yes. Okay. No. No. That's fine. It says click to start. Yeah. It says consent to new ongoing fee agreement. Yep. Mhmm. Okay. Yep. Yes. That's good. Mhmm. Mhmm. Yep. Yep. There you go. Yes. Mhmm. Mhmm. Okay. Okay. Perfect. Excellent. No. No. Not at this stage. Yep. Yes. Perfect. Thank you very much. Thank you. Okay. Thanks. Okay. You too. Thanks, Veronica. Okay. Bye. 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Louis? I'm well. Thanks, Veronica. How are you going? Yes.\n\nYep. That's fine. I'm just I have a I have a 100 pens here. So but they're just not right here. Yes.\n\nYep. That's fine. It's Larissa May Macosh, and it's 03/12/1980. And my address is 11 Robin Street, Perth And Gary. Yes.\n\nIt has, but I think I'm getting there. So slowly. Yes. Yes. It's it's probably just that.\n\nJust to catch up, really, just to see where everything is. I mean, I've been keeping an eye on the ups and downs of the the market. So I sort of know just, you know, all of that kind of stuff. But yeah. So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting an error message and then said, oh, you need to do your thing.\n\nAnd I went, okay. Alright. Fine. I'll yep. Yep.\n\nYep. I'm assuming so. I haven't heard anything, so I think so. Mhmm. Mhmm.\n\nYeah. Yeah. They would've But we our pay day was yesterday or Tuesday anyway. So it's possible that they've yeah. Yep.\n\nYep. Yep. Yes. That's yep. Yes.\n\nYep. Yep. Yes. That that sounds yep. That's good.\n\nThat's good. Mhmm. Yes. Yep. Yes.\n\nYep. Rob. Well, he's my he's my. Yep. No.\n\nInput. 501. It should end in 501. I it's 04 his number is 0414 891501. Yep.\n\nNo. I would just wanted to check because I've I did we've just undergone a little bit of a, like, our normal financial review and things. And I'm trying to bring it up, but I can't actually see it because it's really slow today. But I just wanted to check what my what you had on record for my annual salary. Oh, okay.\n\nAlright. Yes. So I we've got an increase with the CPI. So it's now I've just been told it's a 119,000. I'm just trying to check to see.\n\nI did get my pay slip yesterday, but I just cannot find it anywhere in my system just to yeah. Yep. Yep. I tried to try to search for it, and I just, like, I don't I just don't know where it is. Oh, basically.\n\nHere it is. Oh, here you go. I just don't know because I'm also getting higher duties at the moment as in but I don't know whether the 119,000 actually is my base or the one that with my higher duties. So that's what I wasn't quite sure, but I think that we just go on a 119 at the moment until I can sort of work that out. Yes.\n\nYeah. Yeah. At it's at six months. So that's why I'm just wondering because it's that it sort of happened in the wrong order. Like, I got my hire duties, and then they did our review.\n\nBut I was supposed to sort of do the review and then go, oh, actually, you know what? You're hired. You can stay on your hire duties, and that will be your base. But I don't know that it sort of happened because we had some people stick away. That's that's why I'm not sure whether the 119 is just a normal CPI increase that we would get or whether that was, yeah, that's that's that's where my that's where it's not clear, and it doesn't actually help that my payslip itself.\n\nWe got back paid from the July 1 for all of our, like, our our CPI. So my payslip is not very clear at all in terms of what I actually get. So I'll I'll have to just follow-up with my payroll just to do that. But let's just go on a hundred nineteen at the moment because anything could happen, and it could just potentially go back. I know for certain that that's what I've got in writing as of yesterday.\n\nSo mhmm. Mhmm. Yep. Yep. Yes.\n\nYep. Yep. All the same. Yep. Yep.\n\nAll the same. Yes. Yes. Yep. Yep.\n\nYep. Yes. Yep. Yep. I'm not, but I really need to.\n\nI really need to. I used to be with the government, but I haven't here. So Yeah. Yeah. Yep.\n\nThat would that would be really good because and and that's what I was I was hoping to have that all of the kind of that question mark over what what what my actual going forward, what my pay would be So I have a bit more of an idea of of what I get. And, clearly, I can't read it in my yesterday was a bit of a anomaly with our payslips because we were backdated and stuff, and it's not actually clear how how much was what. So I'm gonna say yes. That would be good because I really do wanna make more contributions. But, yeah, it just does depend on what it would be.\n\nMhmm. Yep. I can probably look. Probably next week is going to be only because they're doing annual, like, annual reports and all of that kind of stuff. And and we literally we've got 30 people in our company.\n\nSo it's only very it's only very small, and there's so it does take things do take a bit of time to get done because we probably I'm the only person in my team, for instance, and, you know, there's one there's one payroll officer. So it's it's kind of like yep. A bit difficult. Oh, yep. That would be perfect.\n\nYeah. Yes. That would be yeah. Yep. Yep.\n\nThat that sounds really good. Yep. It's probably a bit like a Thursday or Friday is generally a Wednesday or a Thursday or a Friday is generally good for me. So yeah. So I'm I'm actually apart from the Monday and Tuesday that that week, I don't have any meetings at this stage.\n\nI'm gonna say maybe the Wednesday or Thursday would be better and probably around that lunchtime mark. Okay. Let's let's do the twenty seventh because that might just give me that extra day just to see if I can get some stuff. Yep. Yes.\n\nYes. Yes. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Oh, no. That's that's probably fine.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. I don't know. Did I get it directly from you, or I might have gotten it from somebody else. I'll just I can't remember who actually sent you the email.\n\nBut you can just give it to me just in case so I don't need to go in and find it. Mhmm. Mhmm. Mhmm. Okay.\n\nAlright. Perfect. Yep. Okay. Perfect.\n\nMhmm. I get fortnightly. Yeah. Yes. Yep.\n\nIs that a generally, I think that it's like a two or three percent, isn't it? Yep. Yep. Yep. Okay.\n\nAlright. I mean yeah. I might be thinking it it I I think a 100 is a nice number for me only because it sort of it might actually offset some of the the high duties that I'm getting at the moment anyway, and it's like I'd rather put that towards it's almost like I'm I'm working for my future self. It makes me feel it it makes me feel better when I have so much on that I go, it's worth it. Mean retirement.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yes. Okay. Mhmm. Yes.\n\nYes. That's right. Yes. Yep. Yep.\n\nYes. Yes. Yep. Yes. Yes.\n\nYes. Yep. I just looked at it yesterday, actually. I think it's our balance is about 223,000 now. Mhmm.\n\nOh, yes. Yes. That's a rough Yep. Yep. Yes.\n\nNo. No. Mhmm. Nine. Nine.\n\nNo. I don't. I don't have any of that. I should because I'm going through this heartache with my mom at the moment with she's not well, and, yes, we're trying to sell her house. And, luckily, we actually have power of attorney, which it just makes it a lot easier for us.\n\nSo I do know that it's very important. Oh, no. That's that's no. That's fine. We sort of we've I've been working.\n\nYep. Yep. Working with somebody like that. So No. It's not.\n\nYou've sent it to me so many times that I'm just I just haven't done it yet. Yes. Yes. I still I definitely still have them. So no.\n\nNo. That's yeah. Yep. That's it's probably yeah. I mean, it will pick yeah.\n\nThat that's fine. It will be Rob. So mhmm. Okay. Alright.\n\nPerfect. Yeah. Yep. Yeah. We've probably still got that.\n\nI've actually really want to one of I think the mortgage is gonna be there for a while, but I think just trying to get the the payment on the car is probably one of our top one. It's probably higher at the moment, like, because just the interest in that is just it's gonna be double the value of the car. So it's it's not it's not great. I I would think so, but probably not great. I mean, it's it's with it would be good.\n\nBut I think at the moment, we we just want to clear some like, the the the everyday amounts at the moment that we've got, like, our our monthly output, so we do have some more spare cash. I mean, we're we are looking at I think now that I've got a bit more money behind me and Rob's sort of getting a little bit more as well, we'd probably wanna just see what we're doing. Or longer term, we just wanna wanna get some invest just some even if it's like cash investment, you know, some more. I know that my super is doing some amazing things with Top twenty four. So, I mean, maybe that's an option to be doing something like that.\n\nI don't know. I mean, I don't know. This yep. Yep. Yes.\n\nYeah. Yeah. I mean, that's probably something that we would be looking at. Actually, I just I yeah. We we wanna be sort of generating some of that, you know, like, passive income and or or putting, you know, some of the that more options options out there.\n\nSo yep. Mhmm. Yes. Yes. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nYes. No. I think I think I'm at the middle to high at the moment. Not super high. Not super not the highest risk, but a comfortable not the medium, not the middle ground, kind of somewhere in between.\n\nProbop yep. Sorry. Sorry. I think in the given just the way that I I hadn't I I was just pretty risk at first for a few for up until probably a few years ago, and then I sort of, you know, went a little bit riskier. And just seeing the way that things are at the moment, it's really hard to tell whether things are gonna get any better or keep going up or down.\n\nSo I think that I I know that it's being taken care of in terms of because I can see, you know, things getting shifted around and things being done. So I know that somebody is looking after that. But I think as I get closer to retirement age, I think I'm gonna wanna start to do that a little less risky stuff. But for the time being, I think I'm happy to kind of where I'm at at the moment in terms of where things are. But yeah.\n\nI mean, if things start to really, really start to go shit, I'm gonna let's let's call back and see. Yeah. Let's call back and see. Yeah. Yep.\n\nYes. Yep. No. Yep. Yes.\n\nYep. Mhmm. Yep. Yep. Yes.\n\nThat sounds like me. That sounds like me. Yes. Mhmm. Mhmm.\n\nYep. Okay. Yep. It's it's it's loading. It's having having a moment, I think.\n\nI don't wanna press refresh in case it does something. It's been hot spotting, so maybe that's the issue. Let's go. Oh, where is your oh, that's weird. Where is your signing?\n\nIt does it's come up, but then it's it's got nothing on the page. That is odd. Let me just I'll just close out of it. I'll turn off my hotspot and connect to the Wi Fi here. Change over.\n\nThere you go. Okay. Yep. That worked. Was just having a day.\n\nAlright. Yes. So I'm on to the summary of financial. Yep. Yes.\n\nMhmm. Yes. Yes. Yes. Mhmm.\n\nYep. Yes. Yep. Mhmm. Okay.\n\nNo. No. That's that's fine. Yep. Mhmm.\n\nYes. Yep. Mhmm. Mhmm. Yes.\n\nYes. Yep. Yes. Yes. That's good.\n\nThat's very good. Yep. Yes. Mhmm. Okay.\n\nOkay. Alright. That sounds good. Oh, I know. Oh, I might have I accidentally clicked the next document.\n\nBut it says the Vanguard index chart. Oh, that's it. Yep. Yes. Yep.\n\nMhmm. Yep. Yes. Yep. Mhmm.\n\nMhmm. Yes. Yes. Mhmm. Yes.\n\nGood. Mhmm. Oh, that's got a certificate of currency. Yes. Mhmm.\n\nYes. It does. Yes. Okay. No.\n\nNo. That's fine. It says click to start. Yeah. It says consent to new ongoing fee agreement.\n\nYep. Mhmm. Okay. Yep. Yes.\n\nThat's good. Mhmm. Mhmm. Yep. Yep.\n\nThere you go. Yes. Mhmm. Mhmm. Okay.\n\nOkay. Perfect. Excellent. No. No.\n\nNot at this stage. Yep. Yes. Perfect. Thank you very much.\n\nThank you. Okay. Thanks. Okay. You too.\n\nThanks, Veronica. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Louis?","start":0.0,"end":2.02,"sentiment":"neutral","sentiment_score":0.03529304172843695},{"text":"I'm well.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.36797304451465607},{"text":"Thanks, Veronica.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.6118896007537842},{"text":"How are you going?","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.37423739582300186},{"text":"Yes.","start":17.785,"end":18.265,"sentiment":"neutral","sentiment_score":0.10993761569261552}],"sentiment":"neutral","sentiment_score":0.330654415725307,"num_words":11,"start":0.0,"end":18.265},{"sentences":[{"text":"Yep.","start":18.265,"end":18.585,"sentiment":"neutral","sentiment_score":0.09829455614089966},{"text":"That's fine.","start":18.585,"end":19.385,"sentiment":"neutral","sentiment_score":0.2176668494939804},{"text":"I'm just I have a I have a 100 pens here.","start":19.385,"end":22.825,"sentiment":"neutral","sentiment_score":0.14410824430259792},{"text":"So but they're just not right here.","start":22.825,"end":26.045,"sentiment":"neutral","sentiment_score":-0.02547979248421533},{"text":"Yes.","start":40.329998,"end":40.649998,"sentiment":"neutral","sentiment_score":0.06228922680020332}],"sentiment":"neutral","sentiment_score":0.0910340737212788,"num_words":22,"start":18.265,"end":40.649998},{"sentences":[{"text":"Yep.","start":40.649998,"end":40.969997,"sentiment":"neutral","sentiment_score":0.06598793715238571},{"text":"That's fine.","start":40.969997,"end":41.79,"sentiment":"neutral","sentiment_score":0.13387040793895721},{"text":"It's Larissa May Macosh, and it's 03/12/1980.","start":53.545002,"end":57.8,"sentiment":"neutral","sentiment_score":0.01755789401275771},{"text":"And my address is 11 Robin Street, Perth And Gary.","start":57.86,"end":61.4,"sentiment":"neutral","sentiment_score":0.028004163689911366},{"text":"Yes.","start":66.58,"end":67.08,"sentiment":"neutral","sentiment_score":0.0302225761115551}],"sentiment":"neutral","sentiment_score":0.03651896305382252,"num_words":21,"start":40.649998,"end":67.08},{"sentences":[{"text":"It has, but I think I'm getting there.","start":67.3,"end":69.88,"sentiment":"neutral","sentiment_score":0.01636005099862814},{"text":"So slowly.","start":70.18,"end":71.675,"sentiment":"neutral","sentiment_score":0.11204656958580017},{"text":"Yes.","start":77.1825,"end":77.6825,"sentiment":"neutral","sentiment_score":0.048278845846652985},{"text":"Yes.","start":95.51,"end":95.83,"sentiment":"neutral","sentiment_score":0.03967338427901268},{"text":"It's it's probably just that.","start":95.83,"end":98.17,"sentiment":"neutral","sentiment_score":0.006664208136498928}],"sentiment":"neutral","sentiment_score":0.028014518704046223,"num_words":17,"start":67.3,"end":98.17},{"sentences":[{"text":"Just to catch up, really, just to see where everything is.","start":98.255005,"end":101.235,"sentiment":"neutral","sentiment_score":0.01723739437081597},{"text":"I mean, I've been keeping an eye on the ups and downs of the the market.","start":102.095,"end":108.595,"sentiment":"neutral","sentiment_score":0.021792060928419232},{"text":"So I sort of know just, you know, all of that kind of stuff.","start":110.735,"end":115.06,"sentiment":"neutral","sentiment_score":-0.003640890786690371},{"text":"But yeah.","start":115.06,"end":117.14,"sentiment":"neutral","sentiment_score":0.00932595506310463},{"text":"So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting an error message and then said, oh, you need to do your thing.","start":117.14,"end":132.115,"sentiment":"neutral","sentiment_score":-0.019552959677051094}],"sentiment":"neutral","sentiment_score":-0.0020628165840715557,"num_words":77,"start":98.255005,"end":132.115},{"sentences":[{"text":"And I went, okay.","start":132.115,"end":132.91501,"sentiment":"neutral","sentiment_score":0.08523010089993477},{"text":"Alright.","start":132.91501,"end":133.395,"sentiment":"neutral","sentiment_score":0.2923241853713989},{"text":"Fine.","start":133.395,"end":133.895,"sentiment":"positive","sentiment_score":0.47796064615249634},{"text":"I'll yep.","start":133.955,"end":135.335,"sentiment":"positive","sentiment_score":0.3579919934272766},{"text":"Yep.","start":135.55501,"end":136.05501,"sentiment":"neutral","sentiment_score":0.08201169222593307}],"sentiment":"neutral","sentiment_score":0.21213343491156897,"num_words":9,"start":132.115,"end":136.05501},{"sentences":[{"text":"Yep.","start":136.275,"end":136.775,"sentiment":"neutral","sentiment_score":0.076945461332798},{"text":"I'm assuming so.","start":138.515,"end":139.895,"sentiment":"neutral","sentiment_score":-0.016000943258404732},{"text":"I haven't heard anything, so I think 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yeah.","start":175.64,"end":178.3,"sentiment":"neutral","sentiment_score":0.010474033653736115},{"text":"Yep.","start":178.44,"end":178.94,"sentiment":"neutral","sentiment_score":0.035470232367515564}],"sentiment":"neutral","sentiment_score":-0.006194499010841052,"num_words":21,"start":167.885,"end":178.94},{"sentences":[{"text":"Yep.","start":184.345,"end":184.845,"sentiment":"neutral","sentiment_score":0.05061790347099304},{"text":"Yep.","start":186.665,"end":187.165,"sentiment":"neutral","sentiment_score":0.03846050426363945},{"text":"Yes.","start":187.94499,"end":188.425,"sentiment":"neutral","sentiment_score":0.04049108549952507},{"text":"That's yep.","start":188.425,"end":189.405,"sentiment":"neutral","sentiment_score":0.04493837244808674},{"text":"Yes.","start":189.705,"end":190.205,"sentiment":"neutral","sentiment_score":0.061137594282627106}],"sentiment":"neutral","sentiment_score":0.046763972068826355,"num_words":6,"start":184.345,"end":190.205},{"sentences":[{"text":"Yep.","start":190.345,"end":190.665,"sentiment":"neutral","sentiment_score":0.07454070448875427},{"text":"Yep.","start":190.665,"end":191.165,"sentiment":"neutral","sentiment_score":0.1107984334230423},{"text":"Yes.","start":191.385,"end":191.705,"sentiment":"neutral","sentiment_score":0.13421201705932617},{"text":"That that sounds yep.","start":191.705,"end":194.605,"sentiment":"neutral","sentiment_score":0.11510262358933687},{"text":"That's good.","start":197.22499,"end":198.045,"sentiment":"positive","sentiment_score":0.6060500741004944}],"sentiment":"neutral","sentiment_score":0.22134019972549546,"num_words":9,"start":190.345,"end":198.045},{"sentences":[{"text":"That's good.","start":198.105,"end":198.925,"sentiment":"positive","sentiment_score":0.5692028999328613},{"text":"Mhmm.","start":215.985,"end":216.485,"sentiment":"neutral","sentiment_score":0.01255393959581852},{"text":"Yes.","start":228.97,"end":229.37,"sentiment":"neutral","sentiment_score":0.08412490785121918},{"text":"Yep.","start":229.37,"end":229.87,"sentiment":"neutral","sentiment_score":0.09469388425350188},{"text":"Yes.","start":236.97,"end":237.47,"sentiment":"neutral","sentiment_score":0.10128557682037354}],"sentiment":"neutral","sentiment_score":0.23851068473110595,"num_words":6,"start":198.105,"end":237.47},{"sentences":[{"text":"Yep.","start":237.93001,"end":238.43001,"sentiment":"neutral","sentiment_score":0.08516925573348999},{"text":"Rob.","start":243.96501,"end":244.205,"sentiment":"neutral","sentiment_score":0.05085602030158043},{"text":"Well, he's my he's my.","start":244.205,"end":245.825,"sentiment":"neutral","sentiment_score":0.060109072178602216},{"text":"Yep.","start":250.685,"end":251.005,"sentiment":"neutral","sentiment_score":0.012264519929885864},{"text":"No.","start":251.005,"end":251.505,"sentiment":"neutral","sentiment_score":-0.005490647628903389}],"sentiment":"neutral","sentiment_score":0.049260501025451556,"num_words":9,"start":237.93001,"end":251.505},{"sentences":[{"text":"Input.","start":251.565,"end":252.065,"sentiment":"neutral","sentiment_score":-0.0002484911528881639},{"text":"501.","start":253.485,"end":254.465,"sentiment":"neutral","sentiment_score":0.07396154850721359},{"text":"It should end in 501.","start":255.485,"end":257.265,"sentiment":"neutral","sentiment_score":0.059846096113324164},{"text":"I it's 04 his number is 0414 891501.","start":257.97,"end":271.835,"sentiment":"neutral","sentiment_score":0.0019509505182213616},{"text":"Yep.","start":278.295,"end":278.795,"sentiment":"neutral","sentiment_score":0.126382514834404}],"sentiment":"neutral","sentiment_score":0.03218335355632007,"num_words":16,"start":251.565,"end":278.795},{"sentences":[{"text":"No.","start":291.24,"end":291.64,"sentiment":"neutral","sentiment_score":-0.061828698962926865},{"text":"I would just wanted to check because I've I did we've just undergone a little bit of a, like, our normal financial review and things.","start":291.64,"end":302.275,"sentiment":"neutral","sentiment_score":-0.07882370904088021},{"text":"And I'm trying to bring it up, but I can't actually see it because it's really slow today.","start":302.73502,"end":309.075,"sentiment":"neutral","sentiment_score":-0.1308928984734747},{"text":"But I just wanted to check what my what you had on record for my annual salary.","start":310.17502,"end":319.46,"sentiment":"neutral","sentiment_score":-0.037976212361279654},{"text":"Oh, okay.","start":324.17502,"end":324.73502,"sentiment":"neutral","sentiment_score":0.011791625991463661}],"sentiment":"neutral","sentiment_score":-0.0795318405661318,"num_words":63,"start":291.24,"end":324.73502},{"sentences":[{"text":"Alright.","start":324.73502,"end":325.21503,"sentiment":"neutral","sentiment_score":0.026112794876098633},{"text":"Yes.","start":325.21503,"end":325.45502,"sentiment":"neutral","sentiment_score":0.032734695822000504},{"text":"So I we've got an increase with the CPI.","start":325.45502,"end":328.99503,"sentiment":"neutral","sentiment_score":0.016061802808609273},{"text":"So it's now I've just been told it's a 119,000.","start":329.135,"end":333.15503,"sentiment":"neutral","sentiment_score":-0.009539968520402908},{"text":"I'm just trying to check to see.","start":333.61502,"end":335.475,"sentiment":"neutral","sentiment_score":0.04830445908010006}],"sentiment":"neutral","sentiment_score":0.015933401583294784,"num_words":28,"start":324.73502,"end":335.475},{"sentences":[{"text":"I did get my pay slip yesterday, but I just cannot find it anywhere in my system just to yeah.","start":336.45,"end":346.15002,"sentiment":"neutral","sentiment_score":-0.10188635680824518},{"text":"Yep.","start":347.65002,"end":348.15002,"sentiment":"neutral","sentiment_score":-0.08804748952388763},{"text":"Yep.","start":348.54498,"end":348.865,"sentiment":"neutral","sentiment_score":-0.06138978153467178},{"text":"I tried to try to search for it, and I just, like, I don't I just don't know where it is.","start":348.865,"end":353.665,"sentiment":"neutral","sentiment_score":-0.13326676722083772},{"text":"Oh, basically.","start":353.665,"end":354.385,"sentiment":"neutral","sentiment_score":-0.058238836005330086}],"sentiment":"neutral","sentiment_score":-0.11338320424159368,"num_words":45,"start":336.45,"end":354.385},{"sentences":[{"text":"Here it is.","start":354.385,"end":355.205,"sentiment":"neutral","sentiment_score":-0.036793084194262825},{"text":"Oh, here you go.","start":355.665,"end":357.60498,"sentiment":"neutral","sentiment_score":-0.027528899256139994},{"text":"I just don't know because I'm also getting higher duties at the moment as in but I don't know whether the 119,000 actually is my base or the one that with my higher duties.","start":360.865,"end":374.64,"sentiment":"neutral","sentiment_score":-0.1070442332283539},{"text":"So that's what I wasn't quite sure, but I think that we just go on a 119 at the moment until I can sort of work that out.","start":374.715,"end":382.655,"sentiment":"neutral","sentiment_score":-0.042562082409858704},{"text":"Yes.","start":385.755,"end":386.255,"sentiment":"neutral","sentiment_score":0.1532880961894989}],"sentiment":"neutral","sentiment_score":-0.06997784272368465,"num_words":70,"start":354.385,"end":386.255},{"sentences":[{"text":"Yeah.","start":386.715,"end":387.18,"sentiment":"neutral","sentiment_score":0.04783830046653747},{"text":"Yeah.","start":387.58,"end":388.08,"sentiment":"neutral","sentiment_score":0.013500210829079151},{"text":"At it's at six months.","start":391.97998,"end":393.68,"sentiment":"neutral","sentiment_score":-0.028337084874510764},{"text":"So that's why I'm just wondering because it's that it sort of happened in the wrong order.","start":394.06,"end":400.555,"sentiment":"neutral","sentiment_score":-0.18703614416367867},{"text":"Like, I got my hire duties, and then they did our review.","start":400.555,"end":403.935,"sentiment":"neutral","sentiment_score":-0.09787979535758495}],"sentiment":"neutral","sentiment_score":-0.12318108078195816,"num_words":36,"start":386.715,"end":403.935},{"sentences":[{"text":"But I was supposed to sort of do the review and then go, oh, actually, you know what?","start":404.155,"end":409.035,"sentiment":"neutral","sentiment_score":-0.0677426600207885},{"text":"You're hired.","start":409.035,"end":409.67502,"sentiment":"neutral","sentiment_score":-0.038595668971538544},{"text":"You can stay on your hire duties, and that will be your base.","start":409.67502,"end":412.5,"sentiment":"neutral","sentiment_score":-0.015468584660154123},{"text":"But I don't know that it sort of happened because we had some people stick away.","start":412.74,"end":417.3,"sentiment":"neutral","sentiment_score":-0.16854361770674586},{"text":"That's that's why I'm not sure whether the 119 is just a normal CPI increase that we would get or whether that was, yeah, that's that's that's where my that's where it's not clear, and it doesn't actually help that my payslip itself.","start":417.3,"end":432.26498,"sentiment":"neutral","sentiment_score":-0.15366261244513268}],"sentiment":"neutral","sentiment_score":-0.11741131562334688,"num_words":92,"start":404.155,"end":432.26498},{"sentences":[{"text":"We got back paid from the July 1 for all of our, like, our our CPI.","start":432.26498,"end":437.72498,"sentiment":"neutral","sentiment_score":-0.1675179312005639},{"text":"So my payslip is not very clear at all in terms of what I actually get.","start":437.78497,"end":443.72,"sentiment":"neutral","sentiment_score":-0.1240663614589721},{"text":"So I'll I'll have to just follow-up with my payroll just to do that.","start":443.72,"end":448.6,"sentiment":"neutral","sentiment_score":-0.01192776784799727},{"text":"But let's just go on a hundred nineteen at the moment because anything could happen, and it could just potentially go back.","start":448.6,"end":455.595,"sentiment":"neutral","sentiment_score":-0.022370718991045247},{"text":"I know for certain that that's what I've got in writing as of yesterday.","start":455.595,"end":458.895,"sentiment":"neutral","sentiment_score":-0.0010706049922321525}],"sentiment":"neutral","sentiment_score":-0.06511563073315589,"num_words":82,"start":432.26498,"end":458.895},{"sentences":[{"text":"So mhmm.","start":458.955,"end":460.815,"sentiment":"neutral","sentiment_score":0.15584481693804264},{"text":"Mhmm.","start":465.755,"end":466.255,"sentiment":"neutral","sentiment_score":-0.003200868144631386},{"text":"Yep.","start":468.955,"end":469.455,"sentiment":"neutral","sentiment_score":0.060755908489227295},{"text":"Yep.","start":474.6,"end":475.1,"sentiment":"neutral","sentiment_score":0.010166664607822897},{"text":"Yes.","start":475.8,"end":476.28,"sentiment":"neutral","sentiment_score":0.03716107085347176}],"sentiment":"neutral","sentiment_score":0.06942873494699597,"num_words":6,"start":458.955,"end":476.28},{"sentences":[{"text":"Yep.","start":476.28,"end":476.6,"sentiment":"neutral","sentiment_score":0.027854403480887413},{"text":"Yep.","start":476.6,"end":477.0,"sentiment":"neutral","sentiment_score":0.011862970888614656},{"text":"All the same.","start":477.0,"end":477.8,"sentiment":"neutral","sentiment_score":0.030370570719242096},{"text":"Yep.","start":477.8,"end":478.3,"sentiment":"neutral","sentiment_score":0.03312242776155472},{"text":"Yep.","start":478.6,"end":479.08,"sentiment":"neutral","sentiment_score":0.02862626127898693}],"sentiment":"neutral","sentiment_score":0.027511110795395716,"num_words":7,"start":476.28,"end":479.08},{"sentences":[{"text":"All the same.","start":479.08,"end":479.98,"sentiment":"neutral","sentiment_score":0.014369511355956396},{"text":"Yes.","start":482.36,"end":482.86,"sentiment":"neutral","sentiment_score":0.010801881551742554},{"text":"Yes.","start":483.56,"end":484.035,"sentiment":"neutral","sentiment_score":0.04204411432147026},{"text":"Yep.","start":484.275,"end":484.435,"sentiment":"neutral","sentiment_score":0.19644413888454437},{"text":"Yep.","start":484.435,"end":484.935,"sentiment":"neutral","sentiment_score":0.14470764994621277}],"sentiment":"neutral","sentiment_score":0.06244375982454845,"num_words":7,"start":479.08,"end":484.935},{"sentences":[{"text":"Yep.","start":485.23502,"end":485.73502,"sentiment":"neutral","sentiment_score":0.19297724962234497},{"text":"Yes.","start":495.555,"end":496.05,"sentiment":"neutral","sentiment_score":0.04368199408054352},{"text":"Yep.","start":496.37,"end":496.87,"sentiment":"neutral","sentiment_score":0.053256239742040634},{"text":"Yep.","start":497.00998,"end":497.50998,"sentiment":"neutral","sentiment_score":0.06351301074028015},{"text":"I'm not, but I really need to.","start":499.97,"end":502.38998,"sentiment":"neutral","sentiment_score":-0.16901890082018717}],"sentiment":"neutral","sentiment_score":-0.0754276192323728,"num_words":11,"start":485.23502,"end":502.38998},{"sentences":[{"text":"I really need to.","start":503.09,"end":504.31,"sentiment":"neutral","sentiment_score":-0.15946979448199272},{"text":"I used to be with the government, but I haven't here.","start":505.97,"end":508.53,"sentiment":"neutral","sentiment_score":-0.09627009589563716},{"text":"So Yeah.","start":508.53,"end":535.32996,"sentiment":"neutral","sentiment_score":0.013408981263637543},{"text":"Yeah.","start":535.70996,"end":536.20996,"sentiment":"neutral","sentiment_score":0.016827132552862167},{"text":"Yep.","start":538.90497,"end":539.14496,"sentiment":"neutral","sentiment_score":0.03445601090788841}],"sentiment":"neutral","sentiment_score":-0.08519732246273443,"num_words":19,"start":503.09,"end":539.14496},{"sentences":[{"text":"That would that would be really good because and and that's what I was I was hoping to have that all of the kind of that question mark over what what what my actual going forward, what my pay would be So I have a bit more of an idea of of what I get.","start":539.14496,"end":558.02,"sentiment":"neutral","sentiment_score":0.026229543814604933},{"text":"And, clearly, I can't read it in my yesterday was a bit of a anomaly with our payslips because we were backdated and stuff, and it's not actually clear how how much was what.","start":558.02,"end":568.905,"sentiment":"neutral","sentiment_score":-0.1308252101435381},{"text":"So I'm gonna say yes.","start":569.145,"end":570.525,"sentiment":"neutral","sentiment_score":-0.017034775763750076},{"text":"That would be good because I really do wanna make more contributions.","start":570.98505,"end":574.28503,"sentiment":"neutral","sentiment_score":0.2199773962299029},{"text":"But, yeah, it just does depend on what it would be.","start":576.34503,"end":580.68506,"sentiment":"neutral","sentiment_score":-0.005209072747013785}],"sentiment":"neutral","sentiment_score":-0.0043433945243939375,"num_words":117,"start":539.14496,"end":580.68506},{"sentences":[{"text":"Mhmm.","start":585.69995,"end":586.19995,"sentiment":"neutral","sentiment_score":0.04518121853470802},{"text":"Yep.","start":589.94,"end":590.44,"sentiment":"neutral","sentiment_score":-0.010824259370565414},{"text":"I can probably look.","start":595.435,"end":598.015,"sentiment":"neutral","sentiment_score":-0.013541808817535639},{"text":"Probably next week is going to be only because they're doing annual, like, annual reports and all of that kind of stuff.","start":598.155,"end":603.755,"sentiment":"neutral","sentiment_score":-0.03403275519270788},{"text":"And and we literally we've got 30 people in our 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don't know.","start":759.26,"end":760.22003,"sentiment":"neutral","sentiment_score":-0.047940269112586975},{"text":"Did I get it directly from you, or I might have gotten it from somebody else.","start":760.22003,"end":765.085,"sentiment":"neutral","sentiment_score":-0.04572915204335004},{"text":"I'll just I can't remember who actually sent you the email.","start":765.085,"end":770.065,"sentiment":"neutral","sentiment_score":-0.024310699410059235}],"sentiment":"neutral","sentiment_score":-0.03409206574235668,"num_words":32,"start":753.9,"end":770.065},{"sentences":[{"text":"But you can just give it to me just in case so I don't need to go in and find 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some of the the high duties that I'm getting at the moment anyway, and it's like I'd rather put that towards it's almost like I'm I'm working for my future self.","start":847.195,"end":863.71,"sentiment":"positive","sentiment_score":0.35700460863217975},{"text":"It makes me feel it it makes me feel better when I have so much on that I go, it's worth it.","start":864.09,"end":869.87,"sentiment":"positive","sentiment_score":0.5357601886445825},{"text":"Mean 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just looked at it yesterday, actually.","start":945.86005,"end":948.10004,"sentiment":"neutral","sentiment_score":0.047295164849076955},{"text":"I think it's our balance is about 223,000 now.","start":948.10004,"end":952.68005,"sentiment":"neutral","sentiment_score":0.03611054250763522},{"text":"Mhmm.","start":952.965,"end":953.465,"sentiment":"neutral","sentiment_score":0.03303556144237518}],"sentiment":"neutral","sentiment_score":0.04066744201669568,"num_words":19,"start":938.58,"end":953.465},{"sentences":[{"text":"Oh, yes.","start":966.24506,"end":966.965,"sentiment":"neutral","sentiment_score":0.026024427264928818},{"text":"Yes.","start":966.965,"end":967.465,"sentiment":"neutral","sentiment_score":0.04489483684301376},{"text":"That's a rough 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that's got a certificate of currency.","start":1979.5299,"end":1981.5499,"sentiment":"neutral","sentiment_score":0.09437515480177742},{"text":"Yes.","start":1991.425,"end":1991.925,"sentiment":"neutral","sentiment_score":0.1075226366519928},{"text":"Mhmm.","start":1995.3451,"end":1995.8451,"sentiment":"neutral","sentiment_score":0.060322511941194534}],"sentiment":"neutral","sentiment_score":0.12066502564332703,"num_words":11,"start":1974.125,"end":1995.8451},{"sentences":[{"text":"Yes.","start":1998.785,"end":1999.025,"sentiment":"neutral","sentiment_score":0.17261821031570437},{"text":"It does.","start":1999.025,"end":1999.765,"sentiment":"neutral","sentiment_score":0.162656731903553},{"text":"Yes.","start":1999.8251,"end":2000.3251,"sentiment":"neutral","sentiment_score":0.030381686985492703},{"text":"Okay.","start":2020.935,"end":2021.435,"sentiment":"neutral","sentiment_score":0.04152439907193184},{"text":"No.","start":2026.375,"end":2026.875,"sentiment":"neutral","sentiment_score":-0.06964048743247986}],"sentiment":"neutral","sentiment_score":0.08336621212462585,"num_words":6,"start":1998.785,"end":2026.875},{"sentences":[{"text":"No.","start":2027.175,"end":2027.415,"sentiment":"neutral","sentiment_score":-0.07123694568872452},{"text":"That's fine.","start":2027.415,"end":2028.3151,"sentiment":"neutral","sentiment_score":0.07784548122435808},{"text":"It says click to start.","start":2034.55,"end":2036.07,"sentiment":"neutral","sentiment_score":0.022505839914083482},{"text":"Yeah.","start":2036.07,"end":2036.3099,"sentiment":"neutral","sentiment_score":0.03639841079711914},{"text":"It says consent to new ongoing fee agreement.","start":2036.3099,"end":2038.8099,"sentiment":"neutral","sentiment_score":0.040471291402354836}],"sentiment":"neutral","sentiment_score":0.03277364460860982,"num_words":17,"start":2027.175,"end":2038.8099},{"sentences":[{"text":"Yep.","start":2038.87,"end":2039.37,"sentiment":"neutral","sentiment_score":0.12367721647024156},{"text":"Mhmm.","start":2044.63,"end":2045.13,"sentiment":"neutral","sentiment_score":0.044008851051330566},{"text":"Okay.","start":2071.45,"end":2071.93,"sentiment":"neutral","sentiment_score":0.07275497168302536},{"text":"Yep.","start":2071.93,"end":2072.43,"sentiment":"neutral","sentiment_score":0.1522611379623413},{"text":"Yes.","start":2082.375,"end":2082.875,"sentiment":"neutral","sentiment_score":0.24305234849452972}],"sentiment":"neutral","sentiment_score":0.1271509051322937,"num_words":5,"start":2038.87,"end":2082.875},{"sentences":[{"text":"That's good.","start":2083.175,"end":2083.915,"sentiment":"positive","sentiment_score":0.38480818271636963},{"text":"Mhmm.","start":2089.09,"end":2089.59,"sentiment":"neutral","sentiment_score":0.10940706729888916},{"text":"Mhmm.","start":2093.41,"end":2093.91,"sentiment":"neutral","sentiment_score":0.09078191965818404},{"text":"Yep.","start":2098.1301,"end":2098.3801,"sentiment":"neutral","sentiment_score":0.139035165309906},{"text":"Yep.","start":2098.3801,"end":2098.8801,"sentiment":"neutral","sentiment_score":0.15681706368923187}],"sentiment":"neutral","sentiment_score":0.21094293023149172,"num_words":6,"start":2083.175,"end":2098.8801},{"sentences":[{"text":"There you go.","start":2106.9448,"end":2107.9248,"sentiment":"neutral","sentiment_score":0.16626092791557312},{"text":"Yes.","start":2121.05,"end":2121.55,"sentiment":"neutral","sentiment_score":0.0799371600151062},{"text":"Mhmm.","start":2128.17,"end":2128.605,"sentiment":"neutral","sentiment_score":0.07043977081775665},{"text":"Mhmm.","start":2135.4849,"end":2135.9849,"sentiment":"neutral","sentiment_score":0.034629859030246735},{"text":"Okay.","start":2138.125,"end":2138.625,"sentiment":"neutral","sentiment_score":0.04773736372590065}],"sentiment":"neutral","sentiment_score":0.10450384819081851,"num_words":7,"start":2106.9448,"end":2138.625},{"sentences":[{"text":"Okay.","start":2143.325,"end":2143.825,"sentiment":"neutral","sentiment_score":0.2785259485244751},{"text":"Perfect.","start":2143.965,"end":2144.465,"sentiment":"positive","sentiment_score":0.6818557977676392},{"text":"Excellent.","start":2145.1401,"end":2145.6401,"sentiment":"positive","sentiment_score":0.8102990388870239},{"text":"No.","start":2152.9001,"end":2153.22,"sentiment":"neutral","sentiment_score":-0.1451612412929535},{"text":"No.","start":2153.22,"end":2153.54,"sentiment":"neutral","sentiment_score":-0.16412606835365295}],"sentiment":"neutral","sentiment_score":0.29227869510650634,"num_words":5,"start":2143.325,"end":2153.54},{"sentences":[{"text":"Not at this stage.","start":2153.54,"end":2154.6,"sentiment":"neutral","sentiment_score":-0.16381564736366272},{"text":"Yep.","start":2155.54,"end":2156.04,"sentiment":"neutral","sentiment_score":0.22452661395072937},{"text":"Yes.","start":2171.645,"end":2172.145,"sentiment":"neutral","sentiment_score":0.203230082988739},{"text":"Perfect.","start":2172.2048,"end":2172.7048,"sentiment":"positive","sentiment_score":0.6361643075942993},{"text":"Thank you very much.","start":2172.845,"end":2173.869,"sentiment":"positive","sentiment_score":0.7506148964166641}],"sentiment":"neutral","sentiment_score":0.31010163643143396,"num_words":11,"start":2153.54,"end":2173.869},{"sentences":[{"text":"Thank you.","start":2174.3489,"end":2175.0889,"sentiment":"positive","sentiment_score":0.4207000434398651},{"text":"Okay.","start":2175.469,"end":2175.949,"sentiment":"positive","sentiment_score":0.40436720848083496},{"text":"Thanks.","start":2175.949,"end":2176.449,"sentiment":"positive","sentiment_score":0.6493470668792725},{"text":"Okay.","start":2179.149,"end":2179.469,"sentiment":"positive","sentiment_score":0.3870327472686768},{"text":"You too.","start":2179.469,"end":2179.869,"sentiment":"positive","sentiment_score":0.39263954758644104}],"sentiment":"positive","sentiment_score":0.4382037435259138,"num_words":7,"start":2174.3489,"end":2179.869},{"sentences":[{"text":"Thanks, Veronica.","start":2179.869,"end":2180.609,"sentiment":"positive","sentiment_score":0.6097944378852844},{"text":"Okay.","start":2180.909,"end":2181.409,"sentiment":"neutral","sentiment_score":0.2658272683620453},{"text":"Bye.","start":2181.469,"end":2181.869,"sentiment":"neutral","sentiment_score":0.1843000650405884},{"text":"Bye.","start":2181.869,"end":2182.369,"sentiment":"neutral","sentiment_score":-0.111981563270092}],"sentiment":"neutral","sentiment_score":0.3115469291806221,"num_words":5,"start":2179.869,"end":2182.369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Louis?\n\nChannel 0: Good afternoon. This is Veronica from OCU Financial. How are you?\n\nChannel 1: I'm well. Thanks, Veronica. How are you going?\n\nChannel 0: I'm good. Thank you. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. I'm just\n\nChannel 0: Perfect.\n\nChannel 1: I have a I have a 100 pens here. So but they're just not right here.\n\nChannel 0: That's so great. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.\n\nChannel 1: Yes. Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Larissa May Macosh, and it's 03/12/1980. And my address is 11 Robin Street, Perth And Gary.\n\nChannel 0: Yep. Yep. Perfect. And how's your day been so far? I've been busy?\n\nChannel 1: Yes. It has,\n\nChannel 0: Yeah.\n\nChannel 1: but I think I'm getting there. So\n\nChannel 0: Oh, that's cool.\n\nChannel 1: slowly.\n\nChannel 0: That's good. Well well, I will try not to keep you for too long\n\nChannel 1: Yes.\n\nChannel 0: today. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at.\n\nChannel 1: Yes. It's it's probably just that. Just to catch\n\nChannel 0: Mhmm.\n\nChannel 1: up, really, just to see where everything is.\n\nChannel 0: Yep.\n\nChannel 1: I mean, I've been keeping an eye on the ups and downs of the\n\nChannel 0: Mhmm.\n\nChannel 1: the market. So I sort of know\n\nChannel 0: Yep.\n\nChannel 1: just, you know, all of that kind of stuff. But yeah. So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting\n\nChannel 0: Yes.\n\nChannel 1: an error message\n\nChannel 0: Yes.\n\nChannel 1: and then said, oh, you need to do your thing. And I went, okay. Alright. Fine. I'll\n\nChannel 0: Good time.\n\nChannel 1: yep. Yep.\n\nChannel 0: And that\n\nChannel 1: Yep.\n\nChannel 0: all got sorted for you? Because I know there was,\n\nChannel 1: I'm assuming\n\nChannel 0: obviously\n\nChannel 1: so. I\n\nChannel 0: yeah.\n\nChannel 1: haven't\n\nChannel 0: Perfect.\n\nChannel 1: heard anything, so\n\nChannel 0: Let\n\nChannel 1: I think\n\nChannel 0: me actually\n\nChannel 1: so.\n\nChannel 0: go into your account quickly and have a look. Because I know, with hub twenty four, they did have a bit of an issue that day. We had a lot of people having the same issue,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: and then that all got rectified. So while I do have you, let me just quickly log in to your hub twenty four just to make sure. I'm sure if not, your employer would have said something.\n\nChannel 1: Yeah. Yeah. They would've But we our pay day was yesterday or Tuesday anyway. So it's possible\n\nChannel 0: Okay.\n\nChannel 1: that they've yeah.\n\nChannel 0: Let me\n\nChannel 1: Yep.\n\nChannel 0: yes. So I can see that you had one deposited on the fourth\n\nChannel 1: Yep.\n\nChannel 0: of August, which\n\nChannel 1: Yep.\n\nChannel 0: would have been, yeah, Tuesday\n\nChannel 1: Yes. That's\n\nChannel 0: last week.\n\nChannel 1: yep. Yes.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yes. That\n\nChannel 0: And then\n\nChannel 1: that\n\nChannel 0: you had one\n\nChannel 1: sounds\n\nChannel 0: the July 20.\n\nChannel 1: yep.\n\nChannel 0: So, yeah, it seems like it's all going in, so that's great.\n\nChannel 1: That's good. That's good.\n\nChannel 0: Perfect. Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kind of bear with me as I run through this information.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents. Is that correct?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. And in the event that something woulda happened to you, I have Robert nominated as next of kin. Is that still the case\n\nChannel 1: Yes.\n\nChannel 0: as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just their relationship to yourself as well, just so we know?\n\nChannel 1: Rob. Well, he's my he's\n\nChannel 0: Yep.\n\nChannel 1: my.\n\nChannel 0: Oh, perfect. That's good. And his phone number hasn't changed, still\n\nChannel 1: Yep.\n\nChannel 0: ends\n\nChannel 1: No.\n\nChannel 0: in 65\n\nChannel 1: Input.\n\nChannel 0: 4? Yep. Beautiful.\n\nChannel 1: 501. It should end in 501. I\n\nChannel 0: I have a different number here, so let me update that. Could you provide that to me?\n\nChannel 1: it's 04 his number is 0414\n\nChannel 0: Yep.\n\nChannel 1: 891501.\n\nChannel 0: Alright. 1. Yep. No. That is different to what we had.\n\nSo lucky I checked. And\n\nChannel 1: Yep.\n\nChannel 0: I will go and update that. Perfect. Now employment wise, have any of that changed in the last twelve\n\nChannel 1: No. I would just wanted\n\nChannel 0: months?\n\nChannel 1: to check because\n\nChannel 0: Mhmm.\n\nChannel 1: I've I did we've just undergone a little bit of a, like, our normal financial review and things. And I'm trying to bring it up, but I can't actually see it because it's really slow today. But I just wanted to check what my what you had on record for my annual salary.\n\nChannel 0: Yes. I have a 114,000.\n\nChannel 1: Oh, okay. Alright. Yes. So I we've got an increase with the CPI. So it's now I've just been told it's a 119,000.\n\nI'm just\n\nChannel 0: Oh,\n\nChannel 1: trying\n\nChannel 0: beautiful.\n\nChannel 1: to check to see. I\n\nChannel 0: I will update that for\n\nChannel 1: did\n\nChannel 0: you.\n\nChannel 1: get my pay slip yesterday, but I just cannot find it anywhere in my system just to\n\nChannel 0: It's always like that when you're trying to find it, and then Internet's\n\nChannel 1: yeah.\n\nChannel 0: slow and emails are slow\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep. I tried to\n\nChannel 0: oh, always\n\nChannel 1: try to\n\nChannel 0: the\n\nChannel 1: search\n\nChannel 0: way.\n\nChannel 1: for it, and I just, like, I don't I just don't know where it is. Oh, basically. Here it is. Oh, here you go. I just don't know because I'm also getting higher duties at the moment as in but I don't know whether the 119,000 actually is my base or the one that with\n\nChannel 0: Okay.\n\nChannel 1: my higher duties. So that's what I wasn't quite sure, but I think that we just go on a 119 at the moment\n\nChannel 0: Okay.\n\nChannel 1: until I\n\nChannel 0: Okay.\n\nChannel 1: can sort of work that out.\n\nChannel 0: Okay. That's okay. At least right now, you are getting the\n\nChannel 1: Yes.\n\nChannel 0: 119.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: do you know how long you'll be on those higher duties for at all?\n\nChannel 1: At\n\nChannel 0: At least\n\nChannel 1: it's\n\nChannel 0: that\n\nChannel 1: at\n\nChannel 0: is.\n\nChannel 1: six months. So\n\nChannel 0: Okay.\n\nChannel 1: that's why I'm just wondering because it's that it sort of happened in the wrong order. Like, I got\n\nChannel 0: Okay.\n\nChannel 1: my hire duties, and then they did our review. But I was supposed to sort of do the review and then go, oh, actually, you know what? You're hired. You can stay on your hire duties, and that will be your base. But I don't know that it sort of happened because we\n\nChannel 0: Okay.\n\nChannel 1: had\n\nChannel 0: Okay.\n\nChannel 1: some people stick away. That's that's why I'm not sure whether the 119 is just a normal CPI increase that we would get or whether\n\nChannel 0: Yep.\n\nChannel 1: that was, yeah, that's that's\n\nChannel 0: Okay.\n\nChannel 1: that's where my that's where it's not clear, and it doesn't actually help that my payslip itself. We got back paid from the July 1 for all of our, like, our our CPI. So my payslip is not very clear at all in terms\n\nChannel 0: That's\n\nChannel 1: of what\n\nChannel 0: okay.\n\nChannel 1: I actually get. So I'll I'll have to just follow-up with my payroll just\n\nChannel 0: Yeah.\n\nChannel 1: to do that. But let's\n\nChannel 0: What's\n\nChannel 1: just\n\nChannel 0: going\n\nChannel 1: go on\n\nChannel 0: on?\n\nChannel 1: a hundred nineteen at the moment because anything\n\nChannel 0: Okay.\n\nChannel 1: could happen, and it could just\n\nChannel 0: Yes.\n\nChannel 1: potentially go\n\nChannel 0: Okay.\n\nChannel 1: back. I know for certain that that's what I've got in writing as of yesterday.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Perfect. I'll I'll leave\n\nChannel 1: mhmm.\n\nChannel 0: the hundred and nineteen, but a little question mark. And then when you do find out,\n\nChannel 1: Mhmm.\n\nChannel 0: if it's majorly different, just let us know.\n\nChannel 1: Yep.\n\nChannel 0: But, otherwise, that is good. Otherwise, it's still for, like, the\n\nChannel 1: Yep.\n\nChannel 0: same company, and\n\nChannel 1: Yes.\n\nChannel 0: you're\n\nChannel 1: Yep.\n\nChannel 0: still in,\n\nChannel 1: Yep.\n\nChannel 0: like, a\n\nChannel 1: All the same.\n\nChannel 0: yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And the title,\n\nChannel 1: All the\n\nChannel 0: is\n\nChannel 1: same.\n\nChannel 0: that still media and communication officer? You're just doing a\n\nChannel 1: Yes.\n\nChannel 0: little bit high duties?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Great. Now let me see here. Obviously, employer contributions with high duty, that all stays the same. It's just the standard 12%. There's\n\nChannel 1: Yes.\n\nChannel 0: no extra.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And you are not making any additional contributions\n\nChannel 1: I'm not,\n\nChannel 0: into\n\nChannel 1: but\n\nChannel 0: the future?\n\nChannel 1: I really need to.\n\nChannel 0: Do\n\nChannel 1: I really need to.\n\nChannel 0: you\n\nChannel 1: I used to\n\nChannel 0: would\n\nChannel 1: be with\n\nChannel 0: you\n\nChannel 1: the government, but I haven't here.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how\n\nChannel 1: Yeah.\n\nChannel 0: it kind\n\nChannel 1: Yeah.\n\nChannel 0: of compounds and change for super for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: That would that would be really good\n\nChannel 0: Yes? Okay.\n\nChannel 1: because and and that's what I was I was hoping to have that all of the kind of that question mark over what what what my actual going forward, what my pay would be So I have a bit more of an idea of of what I get. And, clearly, I can't read it in my yesterday was a bit of a anomaly with our payslips because we were backdated and\n\nChannel 0: Yeah.\n\nChannel 1: stuff, and it's not actually\n\nChannel 0: Okay.\n\nChannel 1: clear how how much was what. So I'm gonna\n\nChannel 0: Okay.\n\nChannel 1: say yes. That\n\nChannel 0: Yep.\n\nChannel 1: would be good because I really do wanna make more contributions.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, it\n\nChannel 0: What\n\nChannel 1: just does depend\n\nChannel 0: what\n\nChannel 1: on what\n\nChannel 0: we\n\nChannel 1: it would\n\nChannel 0: can\n\nChannel 1: be.\n\nChannel 0: do is that I can kind of start the research process, and I can book\n\nChannel 1: Mhmm.\n\nChannel 0: you in for, like, the SOI presentation today. And then maybe\n\nChannel 1: Yep.\n\nChannel 0: how long do you think it'll take for you to find that out from your\n\nChannel 1: I can probably look. Probably next week is going to be only because they're doing annual, like, annual reports and all of that kind of stuff. And and we literally we've got 30 people in our\n\nChannel 0: employer?\n\nChannel 1: company.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: it's only very it's only very small,\n\nChannel 0: Okay.\n\nChannel 1: and there's so it does take things do take a bit of time to get done because\n\nChannel 0: Yeah.\n\nChannel 1: we probably I'm the only person in my team, for instance, and, you know, there's one there's one payroll officer. So it's it's kind\n\nChannel 0: Right.\n\nChannel 1: of like\n\nChannel 0: Yep. Yep. Yep. Yep.\n\nChannel 1: yep.\n\nChannel 0: Okay.\n\nChannel 1: A\n\nChannel 0: Perfect.\n\nChannel 1: bit difficult.\n\nChannel 0: Well, what we might do then is that while I have you on the phone, I'll talk about it now. Do you have any availability to go through, like, the research and proposal? Let's do then not next week, and we can follow-up with you once you've\n\nChannel 1: Oh,\n\nChannel 0: spoken to the\n\nChannel 1: yep.\n\nChannel 0: payroll\n\nChannel 1: That would\n\nChannel 0: next\n\nChannel 1: be perfect.\n\nChannel 0: week.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: And then\n\nChannel 1: That\n\nChannel 0: we'll\n\nChannel 1: would\n\nChannel 0: do\n\nChannel 1: be\n\nChannel 0: it the week after just if we need\n\nChannel 1: yeah.\n\nChannel 0: to make any\n\nChannel 1: Yep.\n\nChannel 0: updates.\n\nChannel 1: Yep. That that sounds really good. Yep.\n\nChannel 0: Okay. Perfect. So week of the twenty fourth to twenty seventh, what does that look like for you?\n\nChannel 1: It's probably a bit like a Thursday or Friday is generally a Wednesday or a Thursday or a Friday\n\nChannel 0: Wednesday?\n\nChannel 1: is generally good for me. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: Let's see here.\n\nChannel 1: I'm I'm actually apart from the Monday and Tuesday that that week, I don't have any meetings at this stage.\n\nChannel 0: Okay.\n\nChannel 1: I'm gonna\n\nChannel 0: Beautiful.\n\nChannel 1: say maybe the Wednesday or Thursday would be better and probably around that lunchtime mark.\n\nChannel 0: Okay. Perfect. Let me see. Now at the moment, I can do either. So I could do\n\nChannel 1: Okay.\n\nChannel 0: 12:12 o'clock either on Wednesday, the twenty sixth or Thursday,\n\nChannel 1: Let's\n\nChannel 0: the twenty seventh.\n\nChannel 1: let's\n\nChannel 0: What\n\nChannel 1: do\n\nChannel 0: would you\n\nChannel 1: the\n\nChannel 0: prefer?\n\nChannel 1: twenty seventh because that might just give\n\nChannel 0: Yep.\n\nChannel 1: me that extra day just to see if I can get some stuff.\n\nChannel 0: Stuff. Yep. Sorted.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Well, I will lock that in at 12:00 on the twenty seventh.\n\nChannel 1: Yes.\n\nChannel 0: And then, obviously, if something changed, you just let\n\nChannel 1: Yes.\n\nChannel 0: me know.\n\nChannel 1: Yes.\n\nChannel 0: And then what I might do is I will have my colleague, Whitlam, probably give you a call. Do you reckon that Wednesday or Thursday next week, you would have spoken\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: payroll?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Any\n\nChannel 1: Yep.\n\nChannel 0: preference of of when, or can he just kind\n\nChannel 1: Oh,\n\nChannel 0: of call you\n\nChannel 1: no. That's that's probably\n\nChannel 0: just\n\nChannel 1: fine.\n\nChannel 0: a quick call?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Alright. Perfect. I'll just I'll put it on the Wednesday and just for him to give you a quick call. If you do find out earlier, though,\n\nChannel 1: Yep.\n\nChannel 0: you can even just email me the information.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You can just like, oh, this is my this is\n\nChannel 1: Yep.\n\nChannel 0: my\n\nChannel 1: Yeah.\n\nChannel 0: my pay at\n\nChannel 1: Yep.\n\nChannel 0: the moment.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So and do you have my email address as well?\n\nChannel 1: Yep. I don't know. Did I get it directly from you, or I might have gotten it from somebody else. I'll just I can't remember who actually sent you the email. But you can just give it to me just in case so\n\nChannel 0: Okay.\n\nChannel 1: I don't\n\nChannel 0: Yep.\n\nChannel 1: need\n\nChannel 0: Beautiful.\n\nChannel 1: to go in and find it.\n\nChannel 0: Yeah. You can email me directly. So that is just veronicawithak@oakviewfinancial,\n\nChannel 1: Mhmm.\n\nChannel 0: just one word,\n\nChannel 1: Mhmm.\n\nChannel 0: dot com\n\nChannel 1: Mhmm.\n\nChannel 0: dot a u.\n\nChannel 1: Okay. Alright. Perfect.\n\nChannel 0: But if for some reason you do email the person who last emailed you, they will forward it on\n\nChannel 1: Yep.\n\nChannel 0: to me anyway.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: So okay. Perfect. Now if we work with so irrespective of what you're gonna say. Now at the moment, how much do you think you would like to put in? Do you get paid weekly, monthly, fortnightly?\n\nChannel 1: Mhmm. I get fortnightly. Yeah.\n\nChannel 0: Fortnightly. Okay.\n\nChannel 1: Yes.\n\nChannel 0: So from\n\nChannel 1: Yep.\n\nChannel 0: a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing?\n\nChannel 1: Is that a generally, I think that it's like a two or three percent, isn't it?\n\nChannel 0: You can do whatever you want, really. The\n\nChannel 1: Yep.\n\nChannel 0: only thing I would say, if you have a super high amount, I would just need\n\nChannel 1: Yep.\n\nChannel 0: to do all the math to make sure you're not con exceeding any concessional basis.\n\nChannel 1: Yep. Okay.\n\nChannel 0: But you\n\nChannel 1: Alright.\n\nChannel 0: you could literally some\n\nChannel 1: I\n\nChannel 0: people\n\nChannel 1: mean\n\nChannel 0: start with, like, fifty, twenty, 100,\n\nChannel 1: yeah.\n\nChannel 0: whatever\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: might\n\nChannel 0: feel\n\nChannel 1: be\n\nChannel 0: comfortable\n\nChannel 1: thinking\n\nChannel 0: with.\n\nChannel 1: it it I I think a 100 is a nice number for me\n\nChannel 0: Yep.\n\nChannel 1: only because it sort of it might actually offset some of the the high duties that I'm getting at the moment anyway, and it's like I'd rather put that towards it's almost like I'm I'm working for my future self. It makes me feel it it makes me feel\n\nChannel 0: Yes.\n\nChannel 1: better when I have so much\n\nChannel 0: Yeah.\n\nChannel 1: on that I go, it's worth it.\n\nChannel 0: It\n\nChannel 1: Mean\n\nChannel 0: happens.\n\nChannel 1: retirement.\n\nChannel 0: Yes. Yes. Perfect. And the good thing with salary sacrifice as well is that you can always stop and change whenever you want to. So even, like, let's say you do okay.\n\nLet's do a $100 a fortnight, and then\n\nChannel 1: Yep.\n\nChannel 0: you come off your high duties and, let's say, income change and you just\n\nChannel 1: Yep.\n\nChannel 0: don't wanna do it, then you can stop whenever you want to.\n\nChannel 1: Yep.\n\nChannel 0: It's not something, like,\n\nChannel 1: Yes.\n\nChannel 0: you have to commit to\n\nChannel 1: Yep.\n\nChannel 0: forever.\n\nChannel 1: Yep.\n\nChannel 0: So I'll\n\nChannel 1: Yes.\n\nChannel 0: do draw up a $100 per fortnight, and I can show you what that looks like in terms of,\n\nChannel 1: Okay.\n\nChannel 0: obviously, how it impacts your take on pay, your super tax, and everything like that,\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: which is good, and we can at least have a look. And sometimes just seeing it, like, okay. Well,\n\nChannel 1: Yes.\n\nChannel 0: it actually doesn't\n\nChannel 1: That's\n\nChannel 0: make\n\nChannel 1: right.\n\nChannel 0: that much of a of a change\n\nChannel 1: Yes.\n\nChannel 0: of the\n\nChannel 1: Yep.\n\nChannel 0: tax if you do get that tax\n\nChannel 1: Yep.\n\nChannel 0: benefit, but it actually boosts my super quite a bit. Sometimes\n\nChannel 1: Yes.\n\nChannel 0: that's a good way to be like, oh, okay. Well, it does make maybe more of a difference than I thought.\n\nChannel 1: Yes.\n\nChannel 0: I will prioritize\n\nChannel 1: Yep.\n\nChannel 0: it. Yep. Okay. Beautiful. Now we'll get that sorted.\n\nOtherwise, when it comes to assets, is your property still valued at around 700,000,\n\nChannel 1: Yes.\n\nChannel 0: or has\n\nChannel 1: Yes.\n\nChannel 0: that changed?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. That's the same. Mortgage, about 230,500.\n\nChannel 1: I just looked at it yesterday, actually. I think it's our balance is about 223,000 now. Mhmm.\n\nChannel 0: Oh, perfect. I'll update that. Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing. Do you still have that one?\n\nChannel 1: Oh, yes. Yes.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: then\n\nChannel 1: rough\n\nChannel 0: the other one valued at about 10,000,\n\nChannel 1: Yep.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: nothing owing.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Now any other assets that we haven't gone through?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Beautiful. Health and lifestyle wise, have you done her as a nonsmoker? Is that still the case? Yep.\n\nBeautiful. And have you had any significant health issues or injuries\n\nChannel 1: Mhmm.\n\nChannel 0: or\n\nChannel 1: Nine.\n\nChannel 0: any changes?\n\nChannel 1: Nine.\n\nChannel 0: Nope. That's great. And do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: Nope. All good. And when it comes to estate planning, do you have a will or power of attorney or anything like that\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: don't.\n\nChannel 0: place?\n\nChannel 1: I don't\n\nChannel 0: Nope.\n\nChannel 1: have any of that.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: all\n\nChannel 1: should\n\nChannel 0: good.\n\nChannel 1: because I'm going through this heartache with my mom at\n\nChannel 0: Okay.\n\nChannel 1: the moment with she's not well, and, yes, we're trying to sell her house. And, luckily, we actually have power of attorney, which it just makes\n\nChannel 0: Okay. Okay.\n\nChannel 1: it a lot easier for us. So I do know that it's very important.\n\nChannel 0: Yeah. Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally?\n\nChannel 1: Oh,\n\nChannel 0: It's\n\nChannel 1: no.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: a matter\n\nChannel 1: that's\n\nChannel 0: of doing it.\n\nChannel 1: no. That's fine. We sort of\n\nChannel 0: Yeah.\n\nChannel 1: we've\n\nChannel 0: Okay.\n\nChannel 1: I've been working. Yep. Yep. Working with\n\nChannel 0: Perfect.\n\nChannel 1: somebody like that. So\n\nChannel 0: Oh, that's good. And when it comes through, obviously, your superannuation and your insurances, so the beneficiary nomination, it doesn't look like we have someone on\n\nChannel 1: No.\n\nChannel 0: file for you.\n\nChannel 1: It's not. You've sent it to me so many times that I'm just I just haven't done it yet.\n\nChannel 0: That's okay. Do you still have the forms? You don't need us to\n\nChannel 1: Yes.\n\nChannel 0: resend it or\n\nChannel 1: Yes.\n\nChannel 0: anything?\n\nChannel 1: I still\n\nChannel 0: Okay.\n\nChannel 1: I definitely still have them. So\n\nChannel 0: Perfect. Do you have any questions in regards to who you might wanna nominate or how it works, or is it just\n\nChannel 1: no.\n\nChannel 0: a matter\n\nChannel 1: No.\n\nChannel 0: of just\n\nChannel 1: That's\n\nChannel 0: deciding?\n\nChannel 1: yeah. Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: it's probably yeah. I mean, it will pick yeah. That that's fine. It will be Rob. So\n\nChannel 0: Okay. Okay. No. That is no problem. If you do have any questions or are confused because there are some rules in regards to who you can nominate,\n\nChannel 1: mhmm.\n\nChannel 0: just let me know.\n\nChannel 1: Okay. Alright. Perfect.\n\nChannel 0: Yep. Alright. Perfect. Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage,\n\nChannel 1: Yeah.\n\nChannel 0: maybe\n\nChannel 1: Yep.\n\nChannel 0: do some minor renovations.\n\nChannel 1: Yeah. We've probably still got that. I've actually really want to one of I think the mortgage is gonna be there for a while, but I think just\n\nChannel 0: Mhmm.\n\nChannel 1: trying to get the the payment on the car is probably one of our top one.\n\nChannel 0: Mhmm.\n\nChannel 1: It's probably higher at the moment, like, because just\n\nChannel 0: Yeah.\n\nChannel 1: the interest in that is just\n\nChannel 0: Yes.\n\nChannel 1: it's gonna\n\nChannel 0: Tend\n\nChannel 1: be\n\nChannel 0: to\n\nChannel 1: double\n\nChannel 0: be a lot\n\nChannel 1: the\n\nChannel 0: higher.\n\nChannel 1: value of the car. So it's\n\nChannel 0: Yeah.\n\nChannel 1: it's not\n\nChannel 0: So\n\nChannel 1: it's not great.\n\nChannel 0: no. That's so good. So car payment is basically at the top at the moment. Is kind of a bit more long term still the plan of maybe looking at investment property on the Sunny Coast?\n\nChannel 1: I I would think so, but probably\n\nChannel 0: Mhmm.\n\nChannel 1: not great. I mean, it's\n\nChannel 0: Okay.\n\nChannel 1: it's with it would be good. But I think at the moment, we we just want to clear some like, the the the everyday amounts at the moment that we've got, like, our our monthly output, so we do have some more spare cash.\n\nChannel 0: Yes. Yes.\n\nChannel 1: I mean, we're we are looking at I think now that I've got a bit more money behind me and Rob's sort of getting a little bit more as well, we'd probably wanna just see what we're doing. Or\n\nChannel 0: Yeah.\n\nChannel 1: longer term, we just wanna wanna get some invest just some even if it's like cash investment, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: some more. I know that my super is doing some amazing things with Top twenty four. So, I mean, maybe that's an option to be doing something like that. I don't\n\nChannel 0: Mhmm.\n\nChannel 1: know.\n\nChannel 0: Mhmm.\n\nChannel 1: I mean, I don't\n\nChannel 0: Yep.\n\nChannel 1: know.\n\nChannel 0: That and that is something\n\nChannel 1: This\n\nChannel 0: we can definitely explore together when when you are\n\nChannel 1: yep.\n\nChannel 0: ready. If it is you wanna do, there's a lot of other types of investments you can look at outside super\n\nChannel 1: Yep.\n\nChannel 0: whenever you\n\nChannel 1: Yes.\n\nChannel 0: do wanna have a look at that. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: Yeah.\n\nChannel 0: that's good.\n\nChannel 1: I mean, that's probably something that we would be looking at. Actually, I just I yeah. We we wanna be\n\nChannel 0: Yep.\n\nChannel 1: sort of generating some of that, you know, like, passive income and or\n\nChannel 0: Yes.\n\nChannel 1: or putting, you know, some of the that more options options\n\nChannel 0: Yes.\n\nChannel 1: out there. So\n\nChannel 0: Get\n\nChannel 1: yep.\n\nChannel 0: more flexibility. No. That is a great plan. And when it comes through superannuation,\n\nChannel 1: Mhmm.\n\nChannel 0: do you still think that you wanna retire at 60 at this point?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. As soon as possible.\n\nChannel 1: Yep.\n\nChannel 0: And I have here an ideal income that you would like to draw from, SUSFA, when you do retire of around $1,500 per week. Does that still sound about right?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. And, otherwise, when it comes to superannuation, I'll do kind of quickly run through just a bit of an updated risk profile questionnaire with you\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: to see if there is anything major that has changed if we need to also make any tweaks and changes to your at risk profile. So just\n\nChannel 1: Yep.\n\nChannel 0: kind of bear with me. It is all the multiple choice to make it nice and easy, and there's no right or wrong answer. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Now have you ever bought direct shares for yourself?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes to how much risk you are comfortable to take for your Would you say that you are willing to accept very high risk, high moderate, or a bit more of a smaller risk for your?\n\nChannel 1: I think I think I'm at the middle to high\n\nChannel 0: Mhmm.\n\nChannel 1: at the\n\nChannel 0: Sorry.\n\nChannel 1: moment. Not\n\nChannel 0: Would\n\nChannel 1: super\n\nChannel 0: you say\n\nChannel 1: high.\n\nChannel 0: Yep.\n\nChannel 1: Not super\n\nChannel 0: So\n\nChannel 1: not\n\nChannel 0: more.\n\nChannel 1: the highest risk, but a comfortable\n\nChannel 0: No.\n\nChannel 1: not the medium, not the middle ground, kind of somewhere in\n\nChannel 0: Yep.\n\nChannel 1: between.\n\nChannel 0: Somewhere in between. Okay. Perfect. And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral? You would just wanna kind of hold and wait to see what happens?\n\nOr\n\nChannel 1: Probop yep.\n\nChannel 0: mhmm.\n\nChannel 1: Sorry. Sorry.\n\nChannel 0: No. I was gonna say, or would you be a bit worried about it and feel like you'd wanna sell and shift through something a little bit more secure, but then you are selling when the prices have dropped.\n\nChannel 1: I think in the given just the way that I I hadn't I I was just pretty risk at first\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: for a few for up until probably a few years ago, and then I sort of, you know, went a little bit riskier. And just seeing the way that things are at the moment, it's really hard to tell whether things\n\nChannel 0: Yes.\n\nChannel 1: are gonna get any better or keep going up or down.\n\nChannel 0: Mhmm.\n\nChannel 1: So I think that I I know that it's being taken care of in terms of because I can see, you know, things getting\n\nChannel 0: Yep.\n\nChannel 1: shifted around and things being done. So I know that somebody is looking after that.\n\nChannel 0: Yes.\n\nChannel 1: But I think as I get closer to retirement age, I\n\nChannel 0: Mhmm.\n\nChannel 1: think I'm gonna wanna start to do that a little less risky stuff.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But for the time being, I think I'm happy to kind of where I'm at at the moment\n\nChannel 0: Okay.\n\nChannel 1: in terms of where things\n\nChannel 0: How\n\nChannel 1: are.\n\nChannel 0: everything's\n\nChannel 1: But\n\nChannel 0: up.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: I mean, if things start to really, really start to go shit, I'm gonna let's let's\n\nChannel 0: You'd\n\nChannel 1: call\n\nChannel 0: wanna\n\nChannel 1: back and see. Yeah.\n\nChannel 0: reassess.\n\nChannel 1: Let's call back and see. Yeah. Yep.\n\nChannel 0: Yes. And with your portfolio at the moment as well, you are in what we would call your your balance growth portfolio.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it is somewhere where you you're not, like, super defensive or balanced.\n\nChannel 1: No.\n\nChannel 0: You are somewhere in the middle. You are also not\n\nChannel 1: Yep.\n\nChannel 0: like your growth or high growth. So it\n\nChannel 1: Yes.\n\nChannel 0: is essentially,\n\nChannel 1: Yep.\n\nChannel 0: you you do wanna focus on getting some growth of your superannuation, you know, while\n\nChannel 1: Mhmm.\n\nChannel 0: you're still working, contributing,\n\nChannel 1: Yep.\n\nChannel 0: have time, but you do also want that kind of conservative element\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Yes. That\n\nChannel 0: Okay.\n\nChannel 1: sounds\n\nChannel 0: Beautiful.\n\nChannel 1: like me. That sounds like me.\n\nChannel 0: Okay. Beautiful. Now, Larissa, do you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. So I have just sent you an email with a couple of documents to\n\nChannel 1: Mhmm.\n\nChannel 0: run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: let me know. Sorry. The software has changed a little bit, so it might look a little bit different to what you are used to. It's the same thing, though. It will ask you to click on a link to sign.\n\nDoesn't mean you sign right away. Clicking on that link, it just allows you to open up and look at the documents first.\n\nChannel 1: Okay.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: should\n\nChannel 1: It's\n\nChannel 0: then yep. Let me know when you can see the first attachment.\n\nChannel 1: it's it's loading. It's having having a moment, I think. I don't wanna press refresh in case it does something. It's been hot spotting, so maybe that's\n\nChannel 0: No.\n\nChannel 1: the issue.\n\nChannel 0: That's okay.\n\nChannel 1: Let's go. Oh, where is your oh, that's weird. Where is your signing? It does it's come up, but then it's it's got nothing on the page.\n\nChannel 0: Okay.\n\nChannel 1: That\n\nChannel 0: Maybe\n\nChannel 1: is\n\nChannel 0: it's\n\nChannel 1: odd.\n\nChannel 0: not loading.\n\nChannel 1: Let me just\n\nChannel 0: Nope.\n\nChannel 1: I'll just close out of it.\n\nChannel 0: Yep.\n\nChannel 1: I'll turn off my hotspot and connect to the Wi Fi here. Change over. There you go. Okay. Yep.\n\nThat worked.\n\nChannel 0: Yep.\n\nChannel 1: Was\n\nChannel 0: Okay.\n\nChannel 1: just having a\n\nChannel 0: Perfect.\n\nChannel 1: day. Alright.\n\nChannel 0: No. That's all\n\nChannel 1: Yes.\n\nChannel 0: good.\n\nChannel 1: So I'm\n\nChannel 0: So\n\nChannel 1: on to the summary of financial.\n\nChannel 0: yes. Perfect. So can you see there your, obviously, have your superannuation with hub twenty four? And you do have a $396,438\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: Yes.\n\nChannel 0: there. Now underneath that, you also have your insurances. Now you have you you have your insurances with MetLife. You have life and total permanent disability insurance, which is 880,900 and\n\nChannel 1: Mhmm.\n\nChannel 0: 50. Are\n\nChannel 1: Yes.\n\nChannel 0: you still happy with the level of cover you have for life and\n\nChannel 1: Yes.\n\nChannel 0: TPD? Yep. Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: And for your income protection as well, it will pay you that monthly amount of 6,836 per month. Now with income protection, it can cover you for up to 70% of your income. And if I do look at a 119,000, because this is one sometimes that can change a little bit, obviously, depending\n\nChannel 1: Mhmm.\n\nChannel 0: on if you get a big pay rise\n\nChannel 1: Yep.\n\nChannel 0: or if you, obviously, reduce your hours. But if your income is at a 119,000, that equates to about 6,941. So pretty spot on for what you have, which is\n\nChannel 1: Yes.\n\nChannel 0: great.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you do have a thirty day waiting period and a five year benefit period.\n\nChannel 1: Mhmm.\n\nChannel 0: All three are paid from within hub twenty four. And after the tax rebate, you do pay 2,321 for those three.\n\nChannel 1: Okay.\n\nChannel 0: Do you have any questions with your insurances?\n\nChannel 1: No. No. That's\n\nChannel 0: Nope? Okay.\n\nChannel 1: that's fine. Yep.\n\nChannel 0: Perfect. Now if you can go to the next document for me, it should have a\n\nChannel 1: Mhmm.\n\nChannel 0: performance report. It should say\n\nChannel 1: Yes.\n\nChannel 0: performance with\n\nChannel 1: Yep.\n\nChannel 0: IRR. Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Now this one here might look a little bit messy sometimes.\n\nChannel 1: Mhmm.\n\nChannel 0: But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months. So this shows you from the 08/12/2025 to the 08/11/2026. Now,\n\nChannel 1: Yes.\n\nChannel 0: obviously, the last twelve months, like, you would know from obviously keeping an eye on things a little bit. There has been a bit of fluctuations in the market\n\nChannel 1: Yes.\n\nChannel 0: over the last twelve months, obviously, with everything in The US, Trump and tariffs and everything and, obviously, the\n\nChannel 1: Yep.\n\nChannel 0: war more recently have seen quite a bit of fluctuation in the market.\n\nChannel 1: Yes.\n\nChannel 0: In saying that, though, your portfolio has still done pretty good considering the market conditions, which we're very happy with.\n\nChannel 1: Yes.\n\nChannel 0: So in the last twelve months, now this is all after phase, your portfolio has still gone up by 7.55%,\n\nChannel 1: That's\n\nChannel 0: which we're\n\nChannel 1: good.\n\nChannel 0: quite happy with.\n\nChannel 1: That's very\n\nChannel 0: Yeah.\n\nChannel 1: good. Yep.\n\nChannel 0: Now what I will do as part of the research for you when we do look at the salary sacrifice is just to review the investments. It is good to do every now and then because, obviously, a lot has changed since we obviously put it together, and we do research on the investment all the time.\n\nChannel 1: Yes.\n\nChannel 0: There is one investment I might wanna look at changing for you that is\n\nChannel 1: Mhmm.\n\nChannel 0: slightly underperforming a little bit at the moment, but I'd wanna just do that research and just to see some alternative options and what that might look like. But\n\nChannel 1: Okay.\n\nChannel 0: I can just do all of that together as part of the salary sacrifice to make it nice\n\nChannel 1: Okay.\n\nChannel 0: and easy.\n\nChannel 1: Alright.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Any\n\nChannel 1: sounds good.\n\nChannel 0: Pretty\n\nChannel 1: Oh, I\n\nChannel 0: straightforward.\n\nChannel 1: know.\n\nChannel 0: No. Okay. Beautiful. Now the next document should be your certificate of currency for your MetLife insurances, I believe.\n\nChannel 1: Oh, I might have I accidentally clicked the next document.\n\nChannel 0: No. What does that look like?\n\nChannel 1: But it says the Vanguard index chart.\n\nChannel 0: Yes. Yeah. We can do\n\nChannel 1: Oh,\n\nChannel 0: from\n\nChannel 1: that's\n\nChannel 0: that one.\n\nChannel 1: it. Yep.\n\nChannel 0: Yeah. We can we can look at this one. So do you remember seeing this before?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So every year, Vanguard does release a new updated version, which is good. So the next one is actually due to come out on the eighteenth of this month.\n\nChannel 1: Mhmm.\n\nChannel 0: So they just kind of update, obviously, with different market trends. It does give us a good visual representation of what we are talking about when we're talking about the market. You\n\nChannel 1: Yep.\n\nChannel 0: can basically see here over the long term, market always goes up. The short term ups and downs and market fluctuation will happen. Now referring back to your balance growth portfolio, on the right side of this, you can actually see the different asset classes broken down.\n\nChannel 1: Yes.\n\nChannel 0: So in a balanced growth portfolio, we typically have about 70% combined in your top four. So that is your US shares, which is like your light green line. You have Australian shares, which is, like, your darker green line,\n\nChannel 1: Yep.\n\nChannel 0: the international shares, which is, like, the yellow, and then you have Prosperity, which is, like, that maroon color. And\n\nChannel 1: Mhmm.\n\nChannel 0: you can see that these are the ones that do grow the most, but also fluctuate. And, obviously, the closer you get to retirement, like you touched on, we then\n\nChannel 1: Mhmm.\n\nChannel 0: gradually want to start at reducing this and shifting it to your defensive. But right now, you still have plenty of time until retirement and can take advantage of those little ups and downs in the market. And typically speaking, in a balanced growth portfolio, we do want to allow at least five years until retirement for these fluctuations,\n\nChannel 1: Yes.\n\nChannel 0: which you\n\nChannel 1: Yes.\n\nChannel 0: certainly have behind you. So it's in a\n\nChannel 1: Mhmm.\n\nChannel 0: good position, And then you do have about 30% in defensive. So you can see, like, your bottom three, obviously, a bit more stable, not fluctuating as much.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Good.\n\nChannel 0: Perfect. Now if you can click next for me.\n\nChannel 1: Mhmm. Oh, that's got\n\nChannel 0: Yeah.\n\nChannel 1: a certificate of currency.\n\nChannel 0: Okay. Perfect. So, basically, this just breaks down your insurance in a bit more detail. Just lets you know that's all paid and up to date, essentially. Just one\n\nChannel 1: Yes.\n\nChannel 0: of those\n\nChannel 1: Mhmm.\n\nChannel 0: compliance documents.\n\nChannel 1: Yes. It does.\n\nChannel 0: None\n\nChannel 1: Yes.\n\nChannel 0: of just one of those compliance documents. None of the important information has changed for you. It stays exactly the same. Just bit of an update through marketing, some updated photo to the team, which is nice. But, otherwise, I will kind of let you have a read\n\nChannel 1: Okay.\n\nChannel 0: over that in your own time. Any questions with this one?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: fine.\n\nChannel 0: Perfect. Now the next document, is that your ongoing\n\nChannel 1: It says\n\nChannel 0: service\n\nChannel 1: click\n\nChannel 0: agreement?\n\nChannel 1: to start. Yeah. It says consent to new ongoing fee agreement. Yep.\n\nChannel 0: Yes. So this one here, it will ask for your signature if you are happy to do so. Now\n\nChannel 1: Mhmm.\n\nChannel 0: what it is is just your ongoing service agreement. So the fee structure has not changed at all for you. It stays exactly the same at that 1.65 from super. No changes in regards to that, and it is also not a lock in contract. So if at any point in time you are not happy with the service or anything, it is not a lock in contract.\n\nNo exit fees or anything like that.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: by signing this document, it otherwise just allows you allows us to manage all your investments and your super insurances and everything for you in the meantime.\n\nChannel 1: Yes. That's good.\n\nChannel 0: Yep. Perfect. So, yes, if you're happy to do so, it will ask you for your signature and date\n\nChannel 1: Mhmm.\n\nChannel 0: at the bottom of that document. And\n\nChannel 1: Mhmm.\n\nChannel 0: it should then say validate, I believe. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And when you press validate, it will then load for a little bit, and then it should send it back to me automatically as well.\n\nChannel 1: There you go.\n\nChannel 0: Perfect. Now it might take a little bit to come through, which is fine. So just kind of recapping, I do have you booked in on Thursday, August 27 at 12PM to\n\nChannel 1: Yes.\n\nChannel 0: go through that salary sacrifice and if there's any tweaks we need to do to any of your investments in your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: And I will also have my colleague, if I haven't received an email from you with the income before then, to give\n\nChannel 1: Mhmm.\n\nChannel 0: you a call just to kind of touch base next Wednesday,\n\nChannel 1: Okay.\n\nChannel 0: the nineteenth, just to see if you've had a chance to talk to them.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Excellent.\n\nChannel 0: Do you have any questions or anything else for me at this point before I let you go and get on with the rest of your day?\n\nChannel 1: No. No. Not at\n\nChannel 0: No.\n\nChannel 1: this stage.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: If you do think of anything, just always call the office. You have my email as well. You can email me directly. But, otherwise, I'll keep a lookout for that email or to find out about your income. And, otherwise, I look forward to speaking with you on Thursday, '20\n\nChannel 1: Yes. Perfect. Thank you very much.\n\nChannel 0: seventh.\n\nChannel 1: Thank\n\nChannel 0: Mhmm.\n\nChannel 1: you.\n\nChannel 0: No problem at all.\n\nChannel 1: Okay.\n\nChannel 0: It was\n\nChannel 1: Thanks.\n\nChannel 0: lovely speaking with you, and you enjoy the rest of your afternoon.\n\nChannel 1: Okay. You too. Thanks, Veronica.\n\nChannel 0: Mhmm. Thanks.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Louis?","start":0.0,"end":2.02,"sentiment":"neutral","sentiment_score":0.03529304172843695}],"sentiment":"neutral","sentiment_score":0.03529304172843695,"channel":1,"num_words":2,"start":0.0,"end":2.02},{"sentences":[{"text":"Good afternoon.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.28310510516166687},{"text":"This is Veronica from OCU Financial.","start":4.24,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24646954735120138},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.191117063164711}],"sentiment":"neutral","sentiment_score":0.23803442581133408,"channel":0,"num_words":11,"start":3.6,"end":7.22},{"sentences":[{"text":"I'm well.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.36797304451465607},{"text":"Thanks, Veronica.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.6118896007537842},{"text":"How are you going?","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.37423739582300186}],"sentiment":"positive","sentiment_score":0.432084359228611,"channel":1,"num_words":8,"start":7.52,"end":9.54},{"sentences":[{"text":"I'm good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.5725555121898651},{"text":"Thank you.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.6565306484699249},{"text":"I had you booked in to go over your annual review.","start":12.925,"end":15.485,"sentiment":"neutral","sentiment_score":0.31321623108603736},{"text":"Is now still a good time for you?","start":15.485,"end":17.185,"sentiment":"neutral","sentiment_score":0.21823549456894398}],"sentiment":"neutral","sentiment_score":0.33258412260076275,"channel":0,"num_words":23,"start":10.0,"end":17.185},{"sentences":[{"text":"Yes.","start":17.785,"end":18.265,"sentiment":"neutral","sentiment_score":0.10993761569261552},{"text":"Yep.","start":18.265,"end":18.585,"sentiment":"neutral","sentiment_score":0.09829455614089966},{"text":"That's","start":18.585,"end":18.985,"sentiment":"neutral","sentiment_score":0.1786879301071167}],"sentiment":"neutral","sentiment_score":0.12897336731354395,"channel":1,"num_words":3,"start":17.785,"end":18.985},{"sentences":[{"text":"Yep.","start":18.685,"end":19.185,"sentiment":"neutral","sentiment_score":0.15942980349063873}],"sentiment":"neutral","sentiment_score":0.15942980349063873,"channel":0,"num_words":1,"start":18.685,"end":19.185},{"sentences":[{"text":"fine.","start":18.985,"end":19.385,"sentiment":"neutral","sentiment_score":0.2566457688808441},{"text":"I'm just","start":19.385,"end":19.985,"sentiment":"positive","sentiment_score":0.3723141998052597}],"sentiment":"positive","sentiment_score":0.33375805616378784,"channel":1,"num_words":3,"start":18.985,"end":19.985},{"sentences":[{"text":"Perfect.","start":19.965,"end":20.465,"sentiment":"positive","sentiment_score":0.4705528616905213}],"sentiment":"positive","sentiment_score":0.4705528616905213,"channel":0,"num_words":1,"start":19.965,"end":20.465},{"sentences":[{"text":"I have a I have a 100 pens here.","start":20.265,"end":22.825,"sentiment":"neutral","sentiment_score":0.09339580974645084},{"text":"So but they're just not right here.","start":22.825,"end":26.045,"sentiment":"neutral","sentiment_score":-0.02547979248421533}],"sentiment":"neutral","sentiment_score":0.041387733770534396,"channel":1,"num_words":16,"start":20.265,"end":26.045},{"sentences":[{"text":"That's so great.","start":27.33,"end":28.710001,"sentiment":"positive","sentiment_score":0.6111943324406942},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":31.17,"end":39.735,"sentiment":"neutral","sentiment_score":0.020318151048074166}],"sentiment":"neutral","sentiment_score":0.07403416753831235,"channel":0,"num_words":33,"start":27.33,"end":39.735},{"sentences":[{"text":"Yes.","start":40.329998,"end":40.649998,"sentiment":"neutral","sentiment_score":0.06228922680020332},{"text":"Yep.","start":40.649998,"end":40.969997,"sentiment":"neutral","sentiment_score":0.06598793715238571},{"text":"That's","start":40.969997,"end":41.29,"sentiment":"neutral","sentiment_score":0.0948074907064438}],"sentiment":"neutral","sentiment_score":0.07436155155301094,"channel":1,"num_words":3,"start":40.329998,"end":41.29},{"sentences":[{"text":"Yeah.","start":40.995,"end":41.495,"sentiment":"neutral","sentiment_score":0.12886372208595276}],"sentiment":"neutral","sentiment_score":0.12886372208595276,"channel":0,"num_words":1,"start":40.995,"end":41.495},{"sentences":[{"text":"fine.","start":41.29,"end":41.79,"sentiment":"neutral","sentiment_score":0.17293332517147064}],"sentiment":"neutral","sentiment_score":0.17293332517147064,"channel":1,"num_words":1,"start":41.29,"end":41.79},{"sentences":[{"text":"Perfect.","start":41.635,"end":42.135,"sentiment":"neutral","sentiment_score":0.2834104299545288},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":42.675,"end":52.72,"sentiment":"neutral","sentiment_score":0.06571964795390765}],"sentiment":"neutral","sentiment_score":0.07212231801274945,"channel":0,"num_words":34,"start":41.635,"end":52.72},{"sentences":[{"text":"It's Larissa May Macosh, and it's 03/12/1980.","start":53.545002,"end":57.8,"sentiment":"neutral","sentiment_score":0.01755789401275771},{"text":"And my address is 11 Robin Street, Perth And Gary.","start":57.86,"end":61.4,"sentiment":"neutral","sentiment_score":0.028004163689911366}],"sentiment":"neutral","sentiment_score":0.02370275852873045,"channel":1,"num_words":17,"start":53.545002,"end":61.4},{"sentences":[{"text":"Yep.","start":61.1,"end":61.6,"sentiment":"neutral","sentiment_score":0.04575991630554199},{"text":"Yep.","start":61.82,"end":62.3,"sentiment":"neutral","sentiment_score":0.0825984925031662},{"text":"Perfect.","start":62.3,"end":62.78,"sentiment":"neutral","sentiment_score":0.26701849699020386},{"text":"And how's your day been so far?","start":62.78,"end":64.215,"sentiment":"neutral","sentiment_score":0.0934247076511383},{"text":"I've been busy?","start":64.215,"end":66.595,"sentiment":"neutral","sentiment_score":-0.01868547561268012}],"sentiment":"neutral","sentiment_score":0.07640718711683384,"channel":0,"num_words":13,"start":61.1,"end":66.595},{"sentences":[{"text":"Yes.","start":66.58,"end":67.08,"sentiment":"neutral","sentiment_score":0.0302225761115551},{"text":"It has,","start":67.3,"end":68.04,"sentiment":"neutral","sentiment_score":0.019684131257236004}],"sentiment":"neutral","sentiment_score":0.0231969462086757,"channel":1,"num_words":3,"start":66.58,"end":68.04},{"sentences":[{"text":"Yeah.","start":67.814995,"end":68.314995,"sentiment":"neutral","sentiment_score":0.02211075648665428}],"sentiment":"neutral","sentiment_score":0.02211075648665428,"channel":0,"num_words":1,"start":67.814995,"end":68.314995},{"sentences":[{"text":"but I think I'm getting there.","start":68.1,"end":69.88,"sentiment":"neutral","sentiment_score":0.015252024245758852},{"text":"So","start":70.18,"end":70.68,"sentiment":"neutral","sentiment_score":0.09465189278125764}],"sentiment":"neutral","sentiment_score":0.026594862607972964,"channel":1,"num_words":7,"start":68.1,"end":70.68},{"sentences":[{"text":"Oh, that's cool.","start":70.375,"end":71.354996,"sentiment":"neutral","sentiment_score":0.15570886929829916}],"sentiment":"neutral","sentiment_score":0.15570886929829916,"channel":0,"num_words":3,"start":70.375,"end":71.354996},{"sentences":[{"text":"slowly.","start":71.175,"end":71.675,"sentiment":"neutral","sentiment_score":0.1294412463903427}],"sentiment":"neutral","sentiment_score":0.1294412463903427,"channel":1,"num_words":1,"start":71.175,"end":71.675},{"sentences":[{"text":"That's good.","start":71.735,"end":72.634995,"sentiment":"neutral","sentiment_score":0.24413177371025085},{"text":"Well well, I will try not to keep you for too long","start":73.415,"end":77.415,"sentiment":"neutral","sentiment_score":0.06523675875117381}],"sentiment":"neutral","sentiment_score":0.09079318945961339,"channel":0,"num_words":14,"start":71.735,"end":77.415},{"sentences":[{"text":"Yes.","start":77.1825,"end":77.6825,"sentiment":"neutral","sentiment_score":0.048278845846652985}],"sentiment":"neutral","sentiment_score":0.048278845846652985,"channel":1,"num_words":1,"start":77.1825,"end":77.6825},{"sentences":[{"text":"today.","start":77.415,"end":77.915,"sentiment":"neutral","sentiment_score":0.039468199014663696},{"text":"But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at.","start":79.27,"end":94.575,"sentiment":"neutral","sentiment_score":0.02532741696839886}],"sentiment":"neutral","sentiment_score":0.025575500863947366,"channel":0,"num_words":57,"start":77.415,"end":94.575},{"sentences":[{"text":"Yes.","start":95.51,"end":95.83,"sentiment":"neutral","sentiment_score":0.03967338427901268},{"text":"It's it's probably just that.","start":95.83,"end":98.17,"sentiment":"neutral","sentiment_score":0.006664208136498928},{"text":"Just to catch","start":98.255005,"end":98.975006,"sentiment":"neutral","sentiment_score":0.007411744445562363}],"sentiment":"neutral","sentiment_score":0.010581073144243823,"channel":1,"num_words":9,"start":95.51,"end":98.975006},{"sentences":[{"text":"Mhmm.","start":98.634995,"end":99.134995,"sentiment":"neutral","sentiment_score":0.010344546288251877}],"sentiment":"neutral","sentiment_score":0.010344546288251877,"channel":0,"num_words":1,"start":98.634995,"end":99.134995},{"sentences":[{"text":"up, really, just to see where everything is.","start":98.975006,"end":101.235,"sentiment":"neutral","sentiment_score":0.020922013092786074}],"sentiment":"neutral","sentiment_score":0.020922013092786074,"channel":1,"num_words":8,"start":98.975006,"end":101.235},{"sentences":[{"text":"Yep.","start":101.835,"end":102.335,"sentiment":"neutral","sentiment_score":0.02973461151123047}],"sentiment":"neutral","sentiment_score":0.02973461151123047,"channel":0,"num_words":1,"start":101.835,"end":102.335},{"sentences":[{"text":"I mean, I've been keeping an eye on the ups and downs of 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know","start":110.735,"end":112.195,"sentiment":"neutral","sentiment_score":0.003810495138168335}],"sentiment":"neutral","sentiment_score":0.005632799118757248,"channel":1,"num_words":7,"start":107.935005,"end":112.195},{"sentences":[{"text":"Yep.","start":112.7775,"end":113.2775,"sentiment":"neutral","sentiment_score":-0.006389960180968046}],"sentiment":"neutral","sentiment_score":-0.006389960180968046,"channel":0,"num_words":1,"start":112.7775,"end":113.2775},{"sentences":[{"text":"just, you know, all of that kind of stuff.","start":113.06,"end":115.06,"sentiment":"neutral","sentiment_score":-0.0077805496338340975},{"text":"But yeah.","start":115.06,"end":117.14,"sentiment":"neutral","sentiment_score":0.00932595506310463},{"text":"So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting","start":117.14,"end":126.74,"sentiment":"neutral","sentiment_score":-0.050675776831450914}],"sentiment":"neutral","sentiment_score":-0.034861385938711464,"channel":1,"num_words":32,"start":113.06,"end":126.74},{"sentences":[{"text":"Yes.","start":126.545006,"end":127.045006,"sentiment":"neutral","sentiment_score":-0.007329840213060379}],"sentiment":"neutral","sentiment_score":-0.007329840213060379,"channel":0,"num_words":1,"start":126.545006,"end":127.045006},{"sentences":[{"text":"an error message","start":126.74,"end":127.635,"sentiment":"neutral","sentiment_score":-0.030818094809850056}],"sentiment":"neutral","sentiment_score":-0.030818094809850056,"channel":1,"num_words":3,"start":126.74,"end":127.635},{"sentences":[{"text":"Yes.","start":128.225,"end":128.725,"sentiment":"neutral","sentiment_score":-0.0136539489030838}],"sentiment":"neutral","sentiment_score":-0.0136539489030838,"channel":0,"num_words":1,"start":128.225,"end":128.725},{"sentences":[{"text":"and then said, 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The representative explains that an increase in payroll and payroll issues is possible, but it will take time to fix. They also discuss the payroll process and retirement plans, including the impact of income and risk tolerance on retirement savings. The speaker provides information on investment portfolios and suggests alternative options for retirement plans and provides contact information for further questions."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yes. Yep.","start_word":25,"end_word":45,"intents":[{"intent":"Check status","confidence_score":0.05084243},{"intent":"Check status","confidence_score":0.023076195}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start_word":107,"end_word":139,"intents":[{"intent":"Confirm identity","confidence_score":0.53972125}]},{"text":"Because I know, with hub twenty four, they did have a bit of an issue that day. We had a lot of people having the same issue, Mhmm.","start_word":396,"end_word":423,"intents":[{"intent":"Resolve account issues","confidence_score":0.08215338},{"intent":"Resolve payroll issue","confidence_score":0.026606046}]},{"text":"Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kind of bear with me as I run through this information. Mhmm.","start_word":550,"end_word":613,"intents":[{"intent":"Run through fact find","confidence_score":0.31725717}]},{"text":"Now when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents. Is that correct? Yes.","start_word":614,"end_word":644,"intents":[{"intent":"Update personal information","confidence_score":0.16684537}]},{"text":"And in the event that something woulda happened to you, I have Robert nominated as next of kin. Is that still the case Yes. as well?","start_word":648,"end_word":673,"intents":[{"intent":"Nominate next of kin","confidence_score":0.5340078}]},{"text":"And his phone number hasn't changed, still Yep. ends No. in 65 Input. 4?","start_word":700,"end_word":713,"intents":[{"intent":"Update contact information","confidence_score":0.13768849}]},{"text":"do you know how long you'll be on those higher duties for at all?","start_word":1046,"end_word":1059,"intents":[{"intent":"Inquire about higher duties and payroll status","confidence_score":0.000023954633}]},{"text":"I know for certain that that's what I've got in writing as of yesterday. Okay. So Perfect.","start_word":1273,"end_word":1289,"intents":[{"intent":"Confirm understanding","confidence_score":0.007993438}]},{"text":"Obviously, employer contributions with high duty, that all stays the same. It's just the standard 12%. There's Yes. no extra. Yep. Yep. Yep. Perfect. And you are not making any additional contributions I'm not, into but the future? I really need to.","start_word":1384,"end_word":1425,"intents":[{"intent":"Make contributions","confidence_score":0.7380714}]},{"text":"So And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how Yeah.","start_word":1446,"end_word":1515,"intents":[{"intent":"Show proposal","confidence_score":0.043586276}]},{"text":"do is that I can kind of start the research process, and I can book Mhmm. you in for, like, the SOI presentation today. And then maybe Yep.","start_word":1656,"end_word":1683,"intents":[{"intent":"Book presentation","confidence_score":0.8551744}]},{"text":"So week of the twenty fourth to twenty seventh, what does that look like for you?","start_word":1894,"end_word":1909,"intents":[{"intent":"Schedule meeting","confidence_score":0.39466345}]},{"text":"And then what I might do is I will have my colleague, Whitlam, probably give you a call. Do you reckon that Wednesday or Thursday next week, you would have spoken Yeah.","start_word":2074,"end_word":2105,"intents":[{"intent":"Schedule call with colleague","confidence_score":0.117996976}]},{"text":"a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing? Is that a generally, I think that it's like a two or three percent, isn't it?","start_word":2363,"end_word":2396,"intents":[{"intent":"Asking for salary range","confidence_score":0.000072963776}]},{"text":"Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing. Do you still have that one?","start_word":2813,"end_word":2833,"intents":[{"intent":"Review portfolios","confidence_score":0.00009210961}]},{"text":"Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally?","start_word":3010,"end_word":3032,"intents":[{"intent":"Requesting pricing","confidence_score":0.000425995}]},{"text":"Do you still have the forms? You don't need us to Yes. resend it or Yes. anything?","start_word":3116,"end_word":3132,"intents":[{"intent":"Sending forms","confidence_score":0.6116089}]},{"text":"Do you have any questions in regards to who you might wanna nominate or how it works, or is it just no. a matter No. of just That's deciding?","start_word":3143,"end_word":3171,"intents":[{"intent":"Confirming naming","confidence_score":0.002984266}]},{"text":"It will be Rob. So Okay.","start_word":3188,"end_word":3193,"intents":[{"intent":"Confirming name","confidence_score":0.0014458261}]},{"text":"Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, Yeah.","start_word":3232,"end_word":3286,"intents":[{"intent":"Reporting intention to pay off mortgage","confidence_score":0.00023825333}]},{"text":"Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, Yeah. maybe Yep. do some minor renovations. Yeah.","start_word":3232,"end_word":3293,"intents":[{"intent":"Discussing goals","confidence_score":0.18724519}]},{"text":"trying to get the the payment on the car is probably one of our top one.","start_word":3322,"end_word":3337,"intents":[{"intent":"Discuss car payment plan","confidence_score":0.017683486}]},{"text":"longer term, we just wanna wanna get some invest just some even if it's like cash investment, you know, Mhmm. some more. I know that my super is doing some amazing things with Top twenty four. So, I mean, maybe that's an option to be doing something like that.","start_word":3516,"end_word":3564,"intents":[{"intent":"Discuss investing options","confidence_score":0.026522284}]},{"text":"And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral?","start_word":3940,"end_word":4013,"intents":[{"intent":"Evaluate portfolio value","confidence_score":0.13777904}]},{"text":"So I have just sent you an email with a couple of documents to Mhmm. run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me.","start_word":4402,"end_word":4444,"intents":[{"intent":"Access documents","confidence_score":0.20717254}]},{"text":"The software has changed a little bit, so it might look a little bit different to what you are used to. It's the same thing, though. It will ask you to click on a link to sign. Doesn't mean you sign right away. Clicking on that link, it just allows you to open up and look at the documents first. Okay.","start_word":4452,"end_word":4512,"intents":[{"intent":"Check software","confidence_score":0.012467334}]},{"text":"So I'm So on to the summary of financial. yes.","start_word":4642,"end_word":4651,"intents":[{"intent":"Provide financial summary","confidence_score":0.005848651}]},{"text":"But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months. So this shows you from the 08/12/2025 to the 08/11/2026. Now, Yes.","start_word":4924,"end_word":4962,"intents":[{"intent":"Analyze investments","confidence_score":0.23894057}]},{"text":"So every year, Vanguard does release a new updated version, which is good. So the next one is actually due to come out on the eighteenth of this month.","start_word":5289,"end_word":5317,"intents":[{"intent":"Update market information","confidence_score":0.046907376}]},{"text":"it should then say validate, I believe. Yep.","start_word":5901,"end_word":5908,"intents":[{"intent":"Validate document","confidence_score":0.016031735}]}]},"sentiments":{"segments":[{"text":"Hello, Louis? Good afternoon. This is Veronica from OCU Financial. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19675962626934052},{"text":"I'm well. Thanks, Veronica. How are you going? I'm good. Thank you.","start_word":13,"end_word":24,"sentiment":"positive","sentiment_score":0.4996348023414612},{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yes. Yep. That's Yep. fine.","start_word":25,"end_word":48,"sentiment":"neutral","sentiment_score":0.22582308948040009},{"text":"I'm just Perfect.","start_word":49,"end_word":51,"sentiment":"positive","sentiment_score":0.4004618525505066},{"text":"I have a I have a 100 pens here. So but they're just not right here.","start_word":52,"end_word":67,"sentiment":"neutral","sentiment_score":0.03885413706302643},{"text":"That's so great.","start_word":68,"end_word":70,"sentiment":"positive","sentiment_score":0.605231523513794},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yes. Yep. That's Yeah. fine. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? It's Larissa May Macosh, and it's 03/12/1980. And my address is 11 Robin Street, Perth And Gary. Yep. Yep. Perfect. And how's your day been so far? I've been busy? Yes. It has, Yeah. but I think I'm getting there. So Oh, that's cool. slowly. That's good. Well well, I will try not to keep you for too long Yes. today. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and see where everything's at. Yes. It's it's probably just that. Just to catch Mhmm. up, really, just to see where everything is. Yep. I mean, I've been keeping an eye on the ups and downs of the Mhmm. the market. So I sort of know Yep. just, you know, all of that kind of stuff. But yeah. So I I because I initially had contacted the team just because my my payroll couldn't access the it was getting Yes. an error message Yes. and then said, oh, you need to do your thing. And I went, okay. Alright.","start_word":71,"end_word":350,"sentiment":"neutral","sentiment_score":0.03746817533725074},{"text":"Fine. I'll Good time.","start_word":351,"end_word":354,"sentiment":"positive","sentiment_score":0.5543166995048523},{"text":"yep. Yep. And that Yep. all got sorted for you? Because I know there was, I'm assuming obviously so. I yeah. haven't Perfect. heard anything, so Let I think me actually so. go into your account quickly and have a look. Because I know, with hub twenty four, they did have a bit of an issue that day. We had a lot of people having the same issue, Mhmm. Mhmm. and then that all got rectified. So while I do have you, let me just quickly log in to your hub twenty four just to make sure. I'm sure if not, your employer would have said something. Yeah. Yeah. They would've But we our pay day was yesterday or Tuesday anyway. So it's possible Okay. that they've yeah. Let me Yep. yes. So I can see that you had one deposited on the fourth Yep. of August, which Yep. would have been, yeah, Tuesday Yes. That's last week. yep. Yes. Yep. Okay. Yep. Yep. Perfect. Yes. That And then that you had one sounds the July 20. yep.","start_word":355,"end_word":532,"sentiment":"neutral","sentiment_score":0.012796015478670595},{"text":"So, yeah, it seems like it's all going in, so that's great. That's good. That's good. Perfect.","start_word":533,"end_word":549,"sentiment":"positive","sentiment_score":0.43873947858810425},{"text":"Now what I will do first is just to kind of run through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kind of bear with me as I run through this information. Mhmm. Now when it comes to your personal information, I have you down here as that you are in a de facto relationship and have two financial dependents. Is that correct? Yes. Yep. Yep. Perfect. And in the event that something woulda happened to you, I have Robert nominated as next of kin. Is that still the case Yes. as well? Yep. Yep.","start_word":550,"end_word":675,"sentiment":"neutral","sentiment_score":0.06455017366106548},{"text":"Perfect. And just their relationship to yourself as well, just so we know?","start_word":676,"end_word":688,"sentiment":"positive","sentiment_score":0.4078290462493897},{"text":"Rob. Well, he's my he's Yep. my.","start_word":689,"end_word":695,"sentiment":"neutral","sentiment_score":0.06270474940538406},{"text":"Oh, perfect. That's good.","start_word":696,"end_word":699,"sentiment":"positive","sentiment_score":0.5158807039260864},{"text":"And his phone number hasn't changed, still Yep. ends No. in 65 Input. 4? Yep.","start_word":700,"end_word":714,"sentiment":"neutral","sentiment_score":0.02871641516685486},{"text":"Beautiful.","start_word":715,"end_word":715,"sentiment":"positive","sentiment_score":0.3813295066356659},{"text":"501. It should end in 501. I I have a different number here, so let me update that. Could you provide that to me? it's 04 his number is 0414 Yep. 891501. Alright. 1. Yep. No. That is different to what we had. So lucky I checked. And Yep. I will go and update that. Perfect. Now employment wise, have any of that changed in the last twelve No. I would just wanted months? to check because Mhmm. I've I did we've just undergone a little bit of a, like, our normal financial review and things. And I'm trying to bring it up, but I can't actually see it because it's really slow today. But I just wanted to check what my what you had on record for my annual salary. Yes. I have a 114,000. Oh, okay. Alright. Yes. So I we've got an increase with the CPI. So it's now I've just been told it's a 119,000. I'm just Oh, trying beautiful. to check to see. I I will update that for did you. get my pay slip yesterday, but I just cannot find it anywhere in my system just to It's always like that when you're trying to find it, and then Internet's yeah. slow and emails are slow Yep. and Yep. I tried oh, to always try the to search way. for it, and I just, like, I don't I just don't know where it is. Oh, basically. Here it is. Oh, here you go. I just don't know because I'm also getting higher duties at the moment as in but I don't know whether the 119,000 actually is my base or the one that with Okay. my higher duties. So that's what I wasn't quite sure, but I think that we just go on a 119 at the moment Okay. until I Okay. can sort of work that out. Okay. That's okay. At least right now, you are getting the Yes. 119. Yeah. And Yeah. do you know how long you'll be on those higher duties for at all? At At least it's that at is. six months. So Okay. that's why I'm just wondering because it's that it sort of happened in the wrong order. Like, I got Okay. my hire duties, and then they did our review. But I was supposed to sort of do the review and then go, oh, actually, you know what? You're hired. You can stay on your hire duties, and that will be your base. But I don't know that it sort of happened because we Okay. had Okay. some people stick away. That's that's why I'm not sure whether the 119 is just a normal CPI increase that we would get or whether Yep. that was, yeah, that's that's Okay. that's where my that's where it's not clear, and it doesn't actually help that my payslip itself. We got back paid from the July 1 for all of our, like, our our CPI. So my payslip is not very clear at all in terms That's of what okay. I actually get. So I'll I'll have to just follow-up with my payroll just Yeah. to do that. But let's What's just going go on on? a hundred nineteen at the moment because anything Okay. could happen, and it could just Yes. potentially go Okay. back. I know for certain that that's what I've got in writing as of yesterday. Okay. So Perfect. I'll I'll leave mhmm. the hundred and nineteen, but a little question mark. And then when you do find out, Mhmm. if it's majorly different, just let us know. Yep. But, otherwise, that is good. Otherwise, it's still for, like, the Yep. same company, and Yes. you're Yep. still in, Yep. like, a All the same. yep. Yep. Yep. And the title, All the is same. that still media and communication officer? You're just doing a Yes. little bit high duties? Yes. Okay.","start_word":716,"end_word":1372,"sentiment":"neutral","sentiment_score":-0.04485756940742787},{"text":"Perfect.","start_word":1373,"end_word":1373,"sentiment":"positive","sentiment_score":0.4935883283615112},{"text":"Yep. Yep. Yep. Yep.","start_word":1374,"end_word":1377,"sentiment":"neutral","sentiment_score":0.15802060067653656},{"text":"Great.","start_word":1378,"end_word":1378,"sentiment":"positive","sentiment_score":0.5916895270347595},{"text":"Now let me see here. Obviously, employer contributions with high duty, that all stays the same. It's just the standard 12%. There's Yes. no extra. Yep. Yep. Yep. Perfect. And you are not making any additional contributions I'm not, into but the future? I really need to. Do I really need to. you I used to would be with you the government, but I haven't here. yeah. So And would you so what I can do for you is that if it is something that you are interested in doing and you know roughly how much you would like to do, I can kind of put together a bit of a proposal for you to show you what that might look like in terms of how it impacts your cash flow and tax savings and how Yeah. it kind Yeah. of compounds and change for super for Yep. you. That would that would be really good Yes? Okay. because and and that's what I was I was hoping to have that all of the kind of that question mark over what what what my actual going forward, what my pay would be So I have a bit more of an idea of of what I get. And, clearly, I can't read it in my yesterday was a bit of a anomaly with our payslips because we were backdated and Yeah. stuff, and it's not actually Okay. clear how how much was what. So I'm gonna Okay. say yes. That Yep. would be good because I really do wanna make more contributions. Yep. But, yeah, it What just does depend what on what we it would can be. do is that I can kind of start the research process, and I can book Mhmm. you in for, like, the SOI presentation today. And then maybe Yep. how long do you think it'll take for you to find that out from your I can probably look. Probably next week is going to be only because they're doing annual, like, annual reports and all of that kind of stuff. And and we literally we've got 30 people in our employer? company. Okay. So Okay. it's only very it's only very small, Okay. and there's so it does take things do take a bit of time to get done because Yeah. we probably I'm the only person in my team, for instance, and, you know, there's one there's one payroll officer. So it's it's kind Right. of like Yep. Yep. Yep. Yep. yep. Okay. A Perfect. bit difficult. Well, what we might do then is that while I have you on the phone, I'll talk about it now. Do you have any availability to go through, like, the research and proposal? Let's do then not next week, and we can follow-up with you once you've Oh, spoken to the yep. payroll That would next be perfect. week. Yeah. Yes. And then That we'll would do be it the week after just if we need yeah. to make any Yep. updates. Yep.","start_word":1379,"end_word":1885,"sentiment":"neutral","sentiment_score":0.005009159713954145},{"text":"That that sounds really good.","start_word":1886,"end_word":1890,"sentiment":"positive","sentiment_score":0.6336241960525513},{"text":"Yep. Okay.","start_word":1891,"end_word":1892,"sentiment":"neutral","sentiment_score":0.24873636662960052},{"text":"Perfect.","start_word":1893,"end_word":1893,"sentiment":"positive","sentiment_score":0.3501307964324951},{"text":"So week of the twenty fourth to twenty seventh, what does that look like for you? It's probably a bit like a Thursday or Friday is generally a Wednesday or a Thursday or a Friday Wednesday? is generally good for me. So Okay. yeah. Perfect. So Let's see here. I'm I'm actually apart from the Monday and Tuesday that that week, I don't have any meetings at this stage. Okay. I'm gonna Beautiful. say maybe the Wednesday or Thursday would be better and probably around that lunchtime mark. Okay. Perfect. Let me see. Now at the moment, I can do either. So I could do Okay. 12:12 o'clock either on Wednesday, the twenty sixth or Thursday, Let's the twenty seventh. let's What do would you the prefer? twenty seventh because that might just give Yep. me that extra day just to see if I can get some stuff. Stuff. Yep. Sorted. Yep.","start_word":1894,"end_word":2045,"sentiment":"neutral","sentiment_score":0.06313557974307944},{"text":"Alright. Perfect.","start_word":2046,"end_word":2047,"sentiment":"positive","sentiment_score":0.586448609828949},{"text":"Well, I will lock that in at 12:00 on the twenty seventh. Yes. And then, obviously, if something changed, you just let Yes. me know. Yes. And then what I might do is I will have my colleague, Whitlam, probably give you a call. Do you reckon that Wednesday or Thursday next week, you would have spoken Yeah. to Yeah. payroll? Yep. Yeah. Yep. Yep. Any Yep. preference of of when, or can he just kind Oh, of call you no. That's that's probably just a fine. quick call? Yep. Yeah. Yep.","start_word":2048,"end_word":2139,"sentiment":"neutral","sentiment_score":0.06657557934522629},{"text":"Alright. Perfect.","start_word":2140,"end_word":2141,"sentiment":"positive","sentiment_score":0.4533746838569641},{"text":"I'll just I'll put it on the Wednesday and just for him to give you a quick call. If you do find out earlier, though, Yep. you can even just email me the information. Yep. Yep. You can just like, oh, this is my this is Yep. my Yeah. my pay at Yep. the moment. Yep. Yep. Yep. So and do you have my email address as well? Yep. I don't know. Did I get it directly from you, or I might have gotten it from somebody else. I'll just I can't remember who actually sent you the email. But you can just give it to me just in case so Okay. I don't Yep. need Beautiful. to go in and find it. Yeah. You can email me directly. So that is just veronicawithak@oakviewfinancial, Mhmm. just one word, Mhmm. dot com Mhmm. dot a u. Okay. Alright. Perfect. But if for some reason you do email the person who last emailed you, they will forward it on Yep. to me anyway. Okay.","start_word":2142,"end_word":2313,"sentiment":"neutral","sentiment_score":0.06104216352105141},{"text":"Perfect.","start_word":2314,"end_word":2314,"sentiment":"positive","sentiment_score":0.35732826590538025},{"text":"So okay.","start_word":2315,"end_word":2316,"sentiment":"neutral","sentiment_score":0.2768903970718384},{"text":"Perfect.","start_word":2317,"end_word":2317,"sentiment":"positive","sentiment_score":0.45923912525177},{"text":"Now if we work with so irrespective of what you're gonna say. Now at the moment, how much do you think you would like to put in? Do you get paid weekly, monthly, fortnightly? Mhmm. I get fortnightly. Yeah. Fortnightly. Okay. Yes. So from Yep. a fortnightly point of view, how much do you think you would feel comfortable with, like, salary sacrificing? Is that a generally, I think that it's like a two or three percent, isn't it?","start_word":2318,"end_word":2396,"sentiment":"neutral","sentiment_score":0.078279171563402},{"text":"You can do whatever you want, really.","start_word":2397,"end_word":2403,"sentiment":"positive","sentiment_score":0.3543015122413635},{"text":"The Yep. only thing I would say, if you have a super high amount, I would just need Yep. to do all the math to make sure you're not con exceeding any concessional basis. Yep. Okay. But you Alright. you could literally some I people mean start with, like, fifty, twenty, 100, yeah. whatever I you might feel be comfortable thinking with.","start_word":2404,"end_word":2465,"sentiment":"neutral","sentiment_score":0.10864459723234177},{"text":"it it I I think a 100 is a nice number for me Yep. only because it sort of it might actually offset some of the the high duties that I'm getting at the moment anyway, and it's like I'd rather put that towards it's almost like I'm I'm working for my future self. It makes me feel it it makes me feel Yes. better when I have so much Yeah. on that I go, it's worth it.","start_word":2466,"end_word":2543,"sentiment":"positive","sentiment_score":0.4344257414340973},{"text":"It Mean happens. retirement.","start_word":2544,"end_word":2547,"sentiment":"neutral","sentiment_score":0.27296048402786255},{"text":"Yes. Yes. Perfect. And the good thing with salary sacrifice as well is that you can always stop and change whenever you want to.","start_word":2548,"end_word":2571,"sentiment":"positive","sentiment_score":0.4950166642665863},{"text":"So even, like, let's say you do okay. Let's do a $100 a fortnight, and then Yep. you come off your high duties and, let's say, income change and you just Yep. don't wanna do it, then you can stop whenever you want to. Yep. It's not something, like, Yes. you have to commit to Yep. forever. Yep. So I'll Yes. do draw up a $100 per fortnight, and I can show you what that looks like in terms of, Okay. obviously, how it impacts your take on pay, your super tax, and everything like that, Mhmm. Yes.","start_word":2572,"end_word":2669,"sentiment":"neutral","sentiment_score":0.12049034268272166},{"text":"which is good, and we can at least have a look.","start_word":2670,"end_word":2680,"sentiment":"positive","sentiment_score":0.4108546376228333},{"text":"And sometimes just seeing it, like, okay. Well, Yes. it actually doesn't That's make right. that much of a of a change Yes. of the Yep. tax if you do get that tax Yep.","start_word":2681,"end_word":2714,"sentiment":"neutral","sentiment_score":0.06389269232749939},{"text":"benefit, but it actually boosts my super quite a bit.","start_word":2715,"end_word":2724,"sentiment":"positive","sentiment_score":0.3802228271961212},{"text":"Sometimes Yes.","start_word":2725,"end_word":2726,"sentiment":"neutral","sentiment_score":0.2583644390106201},{"text":"that's a good way to be like, oh, okay. Well, it does make maybe more of a difference than I thought.","start_word":2727,"end_word":2747,"sentiment":"positive","sentiment_score":0.4255649149417877},{"text":"Yes. I will prioritize Yep. it. Yep. Okay.","start_word":2748,"end_word":2755,"sentiment":"neutral","sentiment_score":0.17310936748981476},{"text":"Beautiful.","start_word":2756,"end_word":2756,"sentiment":"positive","sentiment_score":0.5160824656486511},{"text":"Now we'll get that sorted. Otherwise, when it comes to assets, is your property still valued at around 700,000, Yes. or has Yes. that changed? Yes. Yep. Yeah. That's the same. Mortgage, about 230,500. I just looked at it yesterday, actually. I think it's our balance is about 223,000 now. Mhmm. Oh, perfect. I'll update that. Now I also have here through motor vehicle, one Vodas 35,000 with about 28 owing. Do you still have that one? Oh, yes. Yes. Yes. Perfect. That's And a then rough the other one valued at about 10,000, Yep. but Yep. nothing owing. Yes. Yep. Beautiful. Now any other assets that we haven't gone through? No. No. Nope. Beautiful. Health and lifestyle wise, have you done her as a nonsmoker? Is that still the case? Yep. Beautiful. And have you had any significant health issues or injuries Mhmm. or any Nine. changes? Nine. Nope. That's great. And do you have private health insurance? No. Nope. All good. And when it comes to estate planning, do you have a will or power of attorney or anything like that I in don't. place? I don't Nope. have any of that. That's I all should good. because I'm going through this heartache with my mom at Okay. the moment with she's not well, and, yes, we're trying to sell her house. And, luckily, we actually have power of attorney, which it just makes Okay. Okay.","start_word":2757,"end_word":2994,"sentiment":"neutral","sentiment_score":0.004214257056660512},{"text":"it a lot easier for us.","start_word":2995,"end_word":3000,"sentiment":"positive","sentiment_score":0.3721690475940704},{"text":"So I do know that it's very important. Yeah. Would you want us to send you, like, pricing of a firm that we work closely with, or would you know someone locally? Oh, It's no. just That's a matter that's of doing it. no. That's fine. We sort of Yeah. we've Okay. I've been working. Yep. Yep.","start_word":3001,"end_word":3057,"sentiment":"neutral","sentiment_score":0.014010345563292503},{"text":"Working with Perfect. somebody like that. So Oh, that's good.","start_word":3058,"end_word":3067,"sentiment":"positive","sentiment_score":0.5560463666915894},{"text":"And when it comes through, obviously, your superannuation and your insurances, so the beneficiary nomination, it doesn't look like we have someone on No. file for you. It's not. You've sent it to me so many times that I'm just I just haven't done it yet. That's okay. Do you still have the forms? You don't need us to Yes. resend it or Yes. anything? I still Okay. I definitely still have them. So Perfect. Do you have any questions in regards to who you might wanna nominate or how it works, or is it just no. a matter No. of just That's deciding? yeah. Yep. That's Yeah. it's probably yeah. I mean, it will pick yeah. That that's fine. It will be Rob. So Okay. Okay. No. That is no problem. If you do have any questions or are confused because there are some rules in regards to who you can nominate, mhmm. just let me know. Okay. Alright. Perfect. Yep. Alright. Perfect. Otherwise, I guess, when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, aside from, obviously, having a bit of a look at that salary sacrifice for you, I have here that last time we spoke, your main focus was to pay off the mortgage, Yeah. maybe Yep. do some minor renovations. Yeah. We've probably still got that. I've actually really want to one of I think the mortgage is gonna be there for a while, but I think just Mhmm. trying to get the the payment on the car is probably one of our top one. Mhmm. It's probably higher at the moment, like, because just Yeah. the interest in that is just Yes. it's gonna Tend be to double be a lot the higher. value of the car. So it's Yeah. it's not So it's not great. no. That's so good. So car payment is basically at the top at the moment. Is kind of a bit more long term still the plan of maybe looking at investment property on the Sunny Coast? I I would think so, but probably Mhmm. not great. I mean, it's Okay. it's with it would be good. But I think at the moment, we we just want to clear some like, the the the everyday amounts at the moment that we've got, like, our our monthly output, so we do have some more spare cash. Yes. Yes. I mean, we're we are looking at I think now that I've got a bit more money behind me and Rob's sort of getting a little bit more as well, we'd probably wanna just see what we're doing. Or Yeah. longer term, we just wanna wanna get some invest just some even if it's like cash investment, you know, Mhmm. some more. I know that my super is doing some amazing things with Top twenty four. So, I mean, maybe that's an option to be doing something like that. I don't Mhmm. know. Mhmm. I mean, I don't Yep. know. That and that is something This we can definitely explore together when when you are yep. ready. If it is you wanna do, there's a lot of other types of investments you can look at outside super Yep. whenever you Yes. do wanna have a look at that. Sorry. Yeah. That Yeah.","start_word":3068,"end_word":3627,"sentiment":"neutral","sentiment_score":0.04757005439272949},{"text":"that's good.","start_word":3628,"end_word":3629,"sentiment":"positive","sentiment_score":0.41651901602745056},{"text":"I mean, that's probably something that we would be looking at. Actually, I just I yeah. We we wanna be Yep. sort of generating some of that, you know, like, passive income and or Yes. or putting, you know, some of the that more options options Yes. out there. So Get yep. more flexibility. No.","start_word":3630,"end_word":3684,"sentiment":"neutral","sentiment_score":0.16161181032657623},{"text":"That is a great plan.","start_word":3685,"end_word":3689,"sentiment":"positive","sentiment_score":0.6056376695632935},{"text":"And when it comes through superannuation, Mhmm. do you still think that you wanna retire at 60 at this point? Yes. Yep.","start_word":3690,"end_word":3711,"sentiment":"neutral","sentiment_score":0.08583644032478333},{"text":"Yes. Beautiful. As soon as possible.","start_word":3712,"end_word":3717,"sentiment":"positive","sentiment_score":0.5213154554367065},{"text":"Yep.","start_word":3718,"end_word":3718,"sentiment":"neutral","sentiment_score":0.24480515718460083},{"text":"And I have here an ideal income that you would like to draw from, SUSFA, when you do retire of around $1,500 per week.","start_word":3719,"end_word":3742,"sentiment":"positive","sentiment_score":0.3995001912117005},{"text":"Does that still sound about right? Yes. Yep. Yep.","start_word":3743,"end_word":3751,"sentiment":"neutral","sentiment_score":0.23085996508598328},{"text":"Perfect.","start_word":3752,"end_word":3752,"sentiment":"positive","sentiment_score":0.6265957355499268},{"text":"And, otherwise, when it comes to superannuation, I'll do kind of quickly run through just a bit of an updated risk profile questionnaire with you Yep. just Yep. to see if there is anything major that has changed if we need to also make any tweaks and changes to your at risk profile. So just Yep. kind of bear with me.","start_word":3753,"end_word":3813,"sentiment":"neutral","sentiment_score":0.10226130485534668},{"text":"It is all the multiple choice to make it nice and easy, and there's no right or wrong answer.","start_word":3814,"end_word":3832,"sentiment":"positive","sentiment_score":0.33926960825920105},{"text":"Okay? Yes. Yep.","start_word":3833,"end_word":3835,"sentiment":"neutral","sentiment_score":0.2017659842967987},{"text":"Beautiful.","start_word":3836,"end_word":3836,"sentiment":"positive","sentiment_score":0.5736066102981567},{"text":"Now have you ever bought direct shares for yourself? No. No. And when it comes to how much risk you are comfortable to take for your Would you say that you are willing to accept very high risk, high moderate, or a bit more of a smaller risk for your? I think I think I'm at the middle to high Mhmm. at the Sorry. moment. Not Would you super say high. Yep. Not super So not more. the highest risk, but a comfortable No. not the medium, not the middle ground, kind of somewhere in Yep. between. Somewhere in between. Okay.","start_word":3837,"end_word":3937,"sentiment":"neutral","sentiment_score":-0.06081661581993103},{"text":"Perfect.","start_word":3938,"end_word":3938,"sentiment":"positive","sentiment_score":0.49404194951057434},{"text":"And if, hypothetically speaking, you placed an investment, and after six months of doing so, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you, if you had the option to do so, think that now is potentially a good time to put a little bit more money in while the prices are down, or would you be a bit kind of neutral? You would just wanna kind of hold and wait to see what happens? Or Probop yep. mhmm. Sorry. Sorry. No. I was gonna say, or would you be a bit worried about it and feel like you'd wanna sell and shift through something a little bit more secure, but then you are selling when the prices have dropped. I think in the given just the way that I I hadn't I I was just pretty risk at first Mhmm. Yes. for a few for up until probably a few years ago, and then I sort of, you know, went a little bit riskier.","start_word":3939,"end_word":4115,"sentiment":"neutral","sentiment_score":-0.14831510186195374},{"text":"And just seeing the way that things are at the moment, it's really hard to tell whether things Yes. are gonna get any better or keep going up or down.","start_word":4116,"end_word":4145,"sentiment":"negative","sentiment_score":-0.36744213104248047},{"text":"Mhmm. So I think that I I know that it's being taken care of in terms of because I can see, you know, things getting Yep. shifted around and things being done. So I know that somebody is looking after that. Yes. But I think as I get closer to retirement age, I Mhmm. think I'm gonna wanna start to do that a little less risky stuff. Yep. Yep.","start_word":4146,"end_word":4214,"sentiment":"neutral","sentiment_score":-0.01268340554088354},{"text":"But for the time being, I think I'm happy to kind of where I'm at at the moment Okay.","start_word":4215,"end_word":4233,"sentiment":"positive","sentiment_score":0.33791425824165344},{"text":"in terms of where things How are. everything's But up. yeah. Okay. I mean, if things start to really, really start to go shit, I'm gonna let's let's You'd call wanna back and see. Yeah. reassess. Let's call back and see. Yeah. Yep. Yes. And with your portfolio at the moment as well, you are in what we would call your your balance growth portfolio. Yes. So Yep. it is somewhere where you you're not, like, super defensive or balanced. No. You are somewhere in the middle. You are also not Yep. like your growth or high growth. So it Yes. is essentially, Yep. you you do wanna focus on getting some growth of your superannuation, you know, while Mhmm. you're still working, contributing, Yep. have time, but you do also want that kind of conservative element Yep. as well. Yes. That Okay.","start_word":4234,"end_word":4376,"sentiment":"neutral","sentiment_score":0.024643453267904427},{"text":"sounds Beautiful. like me. That sounds like me.","start_word":4377,"end_word":4384,"sentiment":"positive","sentiment_score":0.4437652230262756},{"text":"Okay.","start_word":4385,"end_word":4385,"sentiment":"neutral","sentiment_score":0.3130331039428711},{"text":"Beautiful.","start_word":4386,"end_word":4386,"sentiment":"positive","sentiment_score":0.4678564667701721},{"text":"Now, Larissa, do you have access to your emails at the moment? Yes. Yeah. Okay. So I have just sent you an email with a couple of documents to Mhmm. run through, which shows you a little bit more about your super and insurances and performance over the last twelve months if you could access that for me. Mhmm. And Yep. let me know. Sorry. The software has changed a little bit, so it might look a little bit different to what you are used to. It's the same thing, though. It will ask you to click on a link to sign. Doesn't mean you sign right away. Clicking on that link, it just allows you to open up and look at the documents first. Okay. You Yep. should It's then yep. Let me know when you can see the first attachment. it's it's loading. It's having having a moment, I think. I don't wanna press refresh in case it does something. It's been hot spotting, so maybe that's No. the issue. That's okay. Let's go. Oh, where is your oh, that's weird. Where is your signing? It does it's come up, but then it's it's got nothing on the page. Okay. That Maybe is it's odd. not loading. Let me just Nope. I'll just close out of it. Yep. I'll turn off my hotspot and connect to the Wi Fi here. Change over. There you go. Okay. Yep. That worked. Yep. Was Okay.","start_word":4387,"end_word":4630,"sentiment":"neutral","sentiment_score":-0.01911210006133455},{"text":"just having a Perfect. day.","start_word":4631,"end_word":4635,"sentiment":"positive","sentiment_score":0.5902840495109558},{"text":"Alright. No. That's all Yes.","start_word":4636,"end_word":4640,"sentiment":"neutral","sentiment_score":0.17314085364341736},{"text":"good.","start_word":4641,"end_word":4641,"sentiment":"positive","sentiment_score":0.44351959228515625},{"text":"So I'm So on to the summary of financial. yes.","start_word":4642,"end_word":4651,"sentiment":"neutral","sentiment_score":0.1085384115576744},{"text":"Perfect.","start_word":4652,"end_word":4652,"sentiment":"positive","sentiment_score":0.42849433422088623},{"text":"So can you see there your, obviously, have your superannuation with hub twenty four? And you do have a $396,438 Yep. in Yes. there. Now underneath that, you also have your insurances. Now you have you you have your insurances with MetLife. You have life and total permanent disability insurance, which is 880,900 and Mhmm. 50. Are Yes. you still happy with the level of cover you have for life and Yes. TPD? Yep.","start_word":4653,"end_word":4726,"sentiment":"neutral","sentiment_score":0.07630567997694016},{"text":"Beautiful.","start_word":4727,"end_word":4727,"sentiment":"positive","sentiment_score":0.4887869656085968},{"text":"Yes. And for your income protection as well, it will pay you that monthly amount of 6,836 per month. Now with income protection, it can cover you for up to 70% of your income. And if I do look at a 119,000, because this is one sometimes that can change a little bit, obviously, depending Mhmm. on if you get a big pay rise Yep. or if you, obviously, reduce your hours. But if your income is at a 119,000, that equates to about 6,941. So pretty spot on for what you have, which is Yes.","start_word":4728,"end_word":4823,"sentiment":"neutral","sentiment_score":0.10336089879274368},{"text":"great.","start_word":4824,"end_word":4824,"sentiment":"positive","sentiment_score":0.5077500939369202},{"text":"Yep. Yep. Now you do have a thirty day waiting period and a five year benefit period. Mhmm. All three are paid from within hub twenty four. And after the tax rebate, you do pay 2,321 for those three. Okay. Do you have any questions with your insurances? No. No. That's Nope? Okay. that's fine. Yep.","start_word":4825,"end_word":4880,"sentiment":"neutral","sentiment_score":0.0953746810555458},{"text":"Perfect.","start_word":4881,"end_word":4881,"sentiment":"positive","sentiment_score":0.3820567727088928},{"text":"Now if you can go to the next document for me, it should have a Mhmm. performance report. It should say Yes. performance with Yep. IRR. Yep. Mhmm. Beautiful. Now this one here might look a little bit messy sometimes. Mhmm. But, basically, what it does, it breaks down all your individual investments, how they have performed, and what's going on kind of in the last twelve months. So this shows you from the 08/12/2025 to the 08/11/2026. Now, Yes. obviously, the last twelve months, like, you would know from obviously keeping an eye on things a little bit. There has been a bit of fluctuations in the market Yes. over the last twelve months, obviously, with everything in The US, Trump and tariffs and everything and, obviously, the Yep. war more recently have seen quite a bit of fluctuation in the market. Yes.","start_word":4882,"end_word":5025,"sentiment":"neutral","sentiment_score":0.003330770996399224},{"text":"In saying that, though, your portfolio has still done pretty good considering the market conditions, which we're very happy with.","start_word":5026,"end_word":5045,"sentiment":"positive","sentiment_score":0.4946065545082092},{"text":"Yes.","start_word":5046,"end_word":5046,"sentiment":"neutral","sentiment_score":0.26485899090766907},{"text":"So in the last twelve months, now this is all after phase, your portfolio has still gone up by 7.55%, That's which we're good. quite happy with. That's very Yeah. good.","start_word":5047,"end_word":5077,"sentiment":"positive","sentiment_score":0.38482898473739624},{"text":"Yep. Now what I will do as part of the research for you when we do look at the salary sacrifice is just to review the investments. It is good to do every now and then because, obviously, a lot has changed since we obviously put it together, and we do research on the investment all the time. Yes. There is one investment I might wanna look at changing for you that is Mhmm. slightly underperforming a little bit at the moment, but I'd wanna just do that research and just to see some alternative options and what that might look like. But Okay. I can just do all of that together as part of the salary sacrifice to make it nice Okay. and easy. Alright. Yep. That Any sounds good. Pretty Oh, I straightforward. know. No. Okay. Beautiful. Now the next document should be your certificate of currency for your MetLife insurances, I believe. Oh, I might have I accidentally clicked the next document. No. What does that look like? But it says the Vanguard index chart. Yes. Yeah. We can do Oh, from that's that one. it. Yep. Yeah. We can we can look at this one. So do you remember seeing this before? Yes. Yep. Yep.","start_word":5078,"end_word":5286,"sentiment":"neutral","sentiment_score":0.060845330357551575},{"text":"Perfect. So every year, Vanguard does release a new updated version, which is good.","start_word":5287,"end_word":5300,"sentiment":"positive","sentiment_score":0.5129074709756034},{"text":"So the next one is actually due to come out on the eighteenth of this month. Mhmm. So they just kind of update, obviously, with different market trends. It does give us a good visual representation of what we are talking about when we're talking about the market. You Yep. can basically see here over the long term, market always goes up. The short term ups and downs and market fluctuation will happen. Now referring back to your balance growth portfolio, on the right side of this, you can actually see the different asset classes broken down. Yes. So in a balanced growth portfolio, we typically have about 70% combined in your top four. So that is your US shares, which is like your light green line. You have Australian shares, which is, like, your darker green line, Yep. the international shares, which is, like, the yellow, and then you have Prosperity, which is, like, that maroon color. And Mhmm. you can see that these are the ones that do grow the most, but also fluctuate. And, obviously, the closer you get to retirement, like you touched on, we then Mhmm. gradually want to start at reducing this and shifting it to your defensive. But right now, you still have plenty of time until retirement and can take advantage of those little ups and downs in the market. And typically speaking, in a balanced growth portfolio, we do want to allow at least five years until retirement for these fluctuations, Yes. which you Yes. certainly have behind you. So it's in a Mhmm. good position, And then you do have about 30% in defensive. So you can see, like, your bottom three, obviously, a bit more stable, not fluctuating as much. Yes. Yep.","start_word":5301,"end_word":5593,"sentiment":"neutral","sentiment_score":0.1106858178973198},{"text":"Good. Perfect.","start_word":5594,"end_word":5595,"sentiment":"positive","sentiment_score":0.4580397605895996},{"text":"Now if you can click next for me. Mhmm. Oh, that's got Yeah. a certificate of currency. Okay. Perfect. So, basically, this just breaks down your insurance in a bit more detail. Just lets you know that's all paid and up to date, essentially. Just one Yes. of those Mhmm. compliance documents. Yes. It does. None Yes. of just one of those compliance documents. None of the important information has changed for you. It stays exactly the same.","start_word":5596,"end_word":5673,"sentiment":"neutral","sentiment_score":0.13431617617607117},{"text":"Just bit of an update through marketing, some updated photo to the team, which is nice.","start_word":5674,"end_word":5689,"sentiment":"positive","sentiment_score":0.362395703792572},{"text":"But, otherwise, I will kind of let you have a read Okay. over that in your own time. Any questions with this one? No. No. No. That's Okay. fine.","start_word":5690,"end_word":5718,"sentiment":"neutral","sentiment_score":0.035900507122278214},{"text":"Perfect.","start_word":5719,"end_word":5719,"sentiment":"positive","sentiment_score":0.3395560085773468},{"text":"Now the next document, is that your ongoing It says service click agreement? to start. Yeah. It says consent to new ongoing fee agreement. Yep. Yes. So this one here, it will ask for your signature if you are happy to do so. Now Mhmm. what it is is just your ongoing service agreement. So the fee structure has not changed at all for you. It stays exactly the same at that 1.65 from super. No changes in regards to that, and it is also not a lock in contract. So if at any point in time you are not happy with the service or anything, it is not a lock in contract. No exit fees or anything like that. Okay. But Yep. by signing this document, it otherwise just allows you allows us to manage all your investments and your super insurances and everything for you in the meantime. Yes.","start_word":5720,"end_word":5870,"sentiment":"neutral","sentiment_score":0.06345104426145554},{"text":"That's good.","start_word":5871,"end_word":5872,"sentiment":"positive","sentiment_score":0.385315865278244},{"text":"Yep.","start_word":5873,"end_word":5873,"sentiment":"neutral","sentiment_score":0.2879427671432495},{"text":"Perfect.","start_word":5874,"end_word":5874,"sentiment":"positive","sentiment_score":0.3796966075897217},{"text":"So, yes, if you're happy to do so, it will ask you for your signature and date Mhmm. at the bottom of that document. And Mhmm. it should then say validate, I believe. Yep. Yep. Yep. And when you press validate, it will then load for a little bit, and then it should send it back to me automatically as well. There you go.","start_word":5875,"end_word":5938,"sentiment":"neutral","sentiment_score":0.16364416480064392},{"text":"Perfect.","start_word":5939,"end_word":5939,"sentiment":"positive","sentiment_score":0.3638678789138794},{"text":"Now it might take a little bit to come through, which is fine. So just kind of recapping, I do have you booked in on Thursday, August 27 at 12PM to Yes. go through that salary sacrifice and if there's any tweaks we need to do to any of your investments in your superannuation. Mhmm. And I will also have my colleague, if I haven't received an email from you with the income before then, to give Mhmm. you a call just to kind of touch base next Wednesday, Okay. the nineteenth, just to see if you've had a chance to talk to them. Okay.","start_word":5940,"end_word":6044,"sentiment":"neutral","sentiment_score":0.09049401879310608},{"text":"Perfect. Yep. Perfect. Excellent. Do you have any questions or anything else for me at this point before I let you go and get on with the rest of your day?","start_word":6045,"end_word":6075,"sentiment":"positive","sentiment_score":0.4213758409023285},{"text":"No. No. Not at No. this stage. Okay.","start_word":6076,"end_word":6083,"sentiment":"neutral","sentiment_score":-0.11841876804828644},{"text":"Perfect.","start_word":6084,"end_word":6084,"sentiment":"positive","sentiment_score":0.42988258600234985},{"text":"Yep. If you do think of anything, just always call the office. You have my email as well. You can email me directly. But, otherwise, I'll keep a lookout for that email or to find out about your income. And, otherwise, I look forward to speaking with you on Thursday, '20 Yes.","start_word":6085,"end_word":6136,"sentiment":"neutral","sentiment_score":0.15560942888259888},{"text":"Perfect. Thank you very much.","start_word":6137,"end_word":6141,"sentiment":"positive","sentiment_score":0.7133592963218689},{"text":"seventh.","start_word":6142,"end_word":6142,"sentiment":"neutral","sentiment_score":0.2154780626296997},{"text":"Thank Mhmm. you. No problem at all. Okay. It was Thanks. lovely speaking with you, and you enjoy the rest of your afternoon. Okay. You too. Thanks, Veronica.","start_word":6143,"end_word":6170,"sentiment":"positive","sentiment_score":0.581665575504303},{"text":"Mhmm.","start_word":6171,"end_word":6171,"sentiment":"neutral","sentiment_score":0.2548118829727173},{"text":"Thanks.","start_word":6172,"end_word":6172,"sentiment":"positive","sentiment_score":0.5295282602310181},{"text":"Okay. Bye. Bye. Bye.","start_word":6173,"end_word":6176,"sentiment":"neutral","sentiment_score":0.22363203763961792}],"average":{"sentiment":"neutral","sentiment_score":0.06664035947982874}}}}