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Is that alright? Fantastic. And, Darren, can I just get you to confirm your full name, date of birth, and address, please? Beautiful. Thank you so much. How's your day been so far? Yeah. Good. Thanks. Good. Thanks. I'm just going to run through your annual review. Do you still have time to do that? Fantastic. Alright. What I'll do is do you have access to your emails at all? No. That's okay. Then shortly, I'll send through a review pack. You can review that post our chat when you do have access to it, and it will come from Odoo sign. So that's just from myself. But before I send that, yeah, before I send that through, what I'm gonna do is I'm just gonna run through your personal and financial information that we have on file to make sure it's actually current and up to date up to date date. Sorry. Just confirming your marital status. Are you still married? Lovely. Lovely. And your email address is pure c c services@Gmail.com? No. Okay. What's your email address? D a sorry. D a zed m e m e c. Yep. Yep. M e c or m a c? Okay. Tennessee. Yep. MAC. Yep. Yep. Yep. Sorry. That's my mistake. Nineteen nineteen eighty four. Fantastic. I've got that. Okay. So I'll update that one there. Beautiful. Thank you for that. And I've already done your address. That's Ridley Street, so that's fine. Yep. And I've got no. You're absolutely fine. No. Absolutely fine. Absolutely fine. I've got Lisa down here as your spouse your wife's name. Does her numbers end in 655? Fantastic. And I have one dependent. Is that correct? Yep. Are they a financial dependent? How old are they? Mackenzie. Beautiful. She the same as mine. Okay. Beautiful. So I've got your occupation here as sales sales and quotes. Is that right? Yep. Okay. And the what did you say the employer name was? Sorry? Florence Manhattan. Yes. Okay. Beautiful. And are you employed on a full time basis? Yeah. And how many hours on average do you work per week? Yes. Yes. Alright. And I've got your income as 75. Is that right? So $1.50? Okay. Beautiful. Alright. And we have your expenditure here as about 800 a week. Is that correct? Yep. Does that include mortgage repayment, or is that separate? Okay. And your savings per week, we have $500. Is that still the same? Beautiful. And do you make any additional contributions to super besides what your employer does? Okay. Fantastic. Did were you wanting to make any more? Nope. Nope. That's fine. Do you have an EBA agreement with your employer? An EBA agreement. If you if it if your if your answer is I don't know, then you don't. Beautiful. Alright. We have your house here at 400000 with a debt of $3.50. Is that correct? I'm it just I've only got the one property. It just says house. It doesn't say. I can update it, and we can do both from we can just update it. So have you got an investment property as well? Yeah. Okay. Oh, okay. Beautiful. Okay. So let's update all that. The what's the carafe property worth? And that's the one you're in now? Yeah. And what's the debt against that? Yep. Yep. $3.50. Okay. And you said you've just purchased a property in Mackay. Is that in Queensland? Yep. Is it gonna be used as a rental property? Temporarily? Yep. Are you gonna move there? Yes. Yes. No worries at all. How much did you purchase that one for? And what's the debt on that one gonna be? Yeah. Yep. Okay. That's fine. Beautiful. And we have a car here valued at 38,000 with no debt. Would that still be right? Yeah. Beautiful. And a caravan at 50,000 with a $25,000 debt. That's gone. Beautiful. Alright. Any other assets and liabilities you can think of? Oh, yep. Your home and contents. Yep. No worries. That's alright. Now we have you down as a smoker. Is that still correct? Okay. No worries. Any significant health issues or injuries recent or since our last catch up? Nope. Any regular medic medication you take? No. Okay. And do you have private health insurance? All good. And do you have in your will and power of attorney in place? Yes. Yeah. Okay. Didn't Beautiful. What I might do, if it's okay with you, is following this meeting, send an email through to see if we could obtain a copy of that for our files. The reason why is because if anything was to happen to you and Lisa phoned us to ask questions about your superannuation or your insurance or getting claims done, we're unable to speak to her. So we need it's it's very helpful, and it will make the process quicker should anything ever happen to you for Lisa that we have those on file because then we can identify her. So I will yeah. So we we well, it won't give her power or anything like that. But if anything's to happen, we have the estate planning documents on file that we can refer back to, and we'd ask her to provide her ID and all that sort of stuff so we could verify her. Without that without that, it it it does make it difficult. Fantastic. Beautiful. Alright. I'm going to just jump to the goals and objectives that we had on file for you from your last review. And I just wanna run through and see if they're still applicable or if they've changed or if there's any new ones. So the la one one of them was that you wanna pay off your mortgage as soon as possible so you can start saving for a time and and enjoy that as much as possible. Is that still a goal of yours? Yep. Are you making yep. Yeah. So you're kinda you're doing a debt recycling strategy yourself. That's what we call it. Yeah. So alright. Do you need any assistance with that, or you're you're wanting to manage that yourself? Beautiful. Beautiful. Alright. Fantastic. No worries. Alright. Beautiful. The and you'd like to be able travel overseas. Have you been able to achieve that? Is it still a goal? Oh, beautiful. And it's are you gonna make it a regular thing that that's a goal you wanna do? Okay. Beautiful. And I have here that you would like to retire at the age of 60. Do you have any idea if you were to retire at the age of 60, what income you'd need in today's dollars? Yeah. Alright. Beautiful. And in you basically ensure that you have suitable insurance in place. So, yeah, the only thing with your insurance that I I'll run through that in a minute, is that you don't have trauma insurance. Were you would you have been have you been spoken to about that before? No? No. That's okay. I'll touch on that in a minute. The other questions I wanted to just check with you before I move on to the review package, the review pack itself, is with your review frequency, are you happy to keep that annually, or would you like it more frequent? Yeah. Beautiful. Beautiful. Your with your surplus cash flow or your savings, where's that being directed at the moment? Is it a bank account? Or yeah. Is there did you want sorry? Yeah. Okay. Do you know what the balance of your offset is at the moment roughly? Sorry? Yep. That's all good. No worries. Yep. Perfect. No worries at all. Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being? Would there's investments that you can do at so they're similar to superannuation in respect to a portfolio. So it's set up similar, and you can start building it outside of super to build wealth so you're not solely reliant on superannuation come the time of retirement. So it can kinda be a a a stop gap in between. There are other options sorry? No. No. It's out yeah. It's outside of super. So you'd you'd what it essentially, what you do is use some of your savings out of out of the offset or if you were to put a $100 in another week or something like that. It's just to build your wealth outside of the super environment. Or, alternatively, you know, if you wanted to look at setting up a fund for your daughter when she's 25, for example. You can build fantastic. Love it. Love it. Wow. Good. That's awesome. Love to hear that. So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce debt and build? Yep. Absolutely fine. Absolutely. Beautiful. Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk. So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash, for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years. So given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile. So my question to you is is are you comfortable with your growth risk profile? Would you like to take a little bit more risk, or would you like to reduce the risk? What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit. So I might just complete a risk profile with you and see what you come out. I'm sorry? The difference being between yours and the next one up is you've got an extra 10% roughly allocated to your growth assets. The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years. So that still fits within your profile or your time frame. It's just how you feel towards risk. So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel? Would you want to be investing more funds for growth? Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash? So yep. Keep it as gross. Yeah. Nope. That's absolutely fine. We can do that. And we can check-in every year. That's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to. You have. Yes. Yeah. Definitely. Look. I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile. It's it's really a a sleep what I like to refer to as a sleep at night test. So well, I'm not I'm 41, so I'm similar age to yourself. I'm invested in a high growth portfolio because I've got time on my side. I can withstand well, I can withstand yeah. I can withstand the way I see it is that I can withstand the the market fluctuations. I mean, if I was 50, I would be probably looking at maybe decreasing my allocation to growth assets a little bit, not a lot because I still would have ten years on my side to be able to withstand the market fluctuations. But that's just the benefit of having a review. We we do this regularly to make sure that, you know, there's no guarantee to make sure that, you know, there's no guarantee. The markets will always react. I'm sure, you know you know, COVID, for example, you saw everything fall through the roof, and there was no value in anything. So it's really about your comfort. Alright. Well, we can have a look at a high growth portfolio for you. What I'm yes. I'm in a high growth portfolio. Yeah. Alright. So when you have a chance, you when you see your emails, you're gonna see APAC. I'll quickly run through what they are. It's the first page is a summary just letting you know what your super's at. It's currently just shot it's you're with Hub twenty four, and it's at a $149,149. Are you happy with Hubs so far and no issues? Yeah. Fantastic. And your ClearView insurance policy. So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month. Now I'm just gonna do a quick calculation. Oh my gosh. I can't type today. Sorry. I think you might be just a bit short on your income protection, some insured. So you're insured for $5,028 a month. But based on your income of $1.50, your some insured should sit somewhere between should sit something more like 8,750 a month. I'm not sure if that's something that you wanna review. It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen. The same would need to occur for any increase. So your existing cover remains unchanged, but the increase would need to go through underwriting. Basically, I think you need to consider if you were unable to work due to injury or illness, would $5,028 a month meet all the expenses you need, or do we need to look at increasing that? Yeah. Okay. I'm gonna have a look into that. So that's part of my homework. Yeah. Yep. Okay. Yeah. So with income protection, you can only insure up to 70% of your your taxable income. So the sitting it's on on one fifty, we're sitting at 8,750 a month. If you could double check what your actual annual income is, that would be helpful. I can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you? The next document in the pack is your performance with hub twenty four. So the last twelve months, we've seen a significant negative return with one fund, which I have highlighted to talk to you about about looking at options to replace. So it's the Bennelong Australian Equities Fund. It it ran at a loss at 14% this last twelve months. Not great. The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example. Their mandate is that they look for funds in the Australian market that they feel are undervalued and have room for significant growth. Now sorry? Yes. A 100. So part of another part of my homework is is that I'm gonna look at alternative options for you to get rid of them. The other one in your funds that I wanna look at replacing is the beta bank hybrid. So that's your bank hybrid investments. They're they've performed fine. I mean, it's a defensive asset. The return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest product. But what's happening with the the banking system in Australia at the moment is hybrids are gonna be phased out. So by January 2027, they're no longer gonna exist. So I wanna look at being a little bit more proactive and see you know, not wait till they're phased out and replace them then. I'd rather look and see if we can get a little bit ahead. You know, there's I don't know if they're gonna drop in value or anything like that, but I think it I'd rather be proactive with our approach to that. So if you're happy with that, I'd like to look at reviewing both of those. Yep. And the rest of your portfolio has performed really well. You've got exposure to global cyber, your battery tech and lithium, which have all performed about 3332%. These are your satellite what we call satellite investments. So they're niche type sectors. You don't have huge exposure to those amounts or those those funds, let's call them, but their performance has been pretty good. And, additionally, you've got your international exposure across America, Asia, Europe, and some global so some global health. So you've got a pretty good good exposure there to your growth assets. So the twelve month return altogether was only 2.41%, which is not great. But in the next we've also included the six month one for you. So for the last six months, you'll see that it's starting to bounce back, and we're sitting at 4.56%. So we're on target to hitting that gross return in the next twelve months. Yep. About the what? Sorry. I haven't heard anything. I can have a look and have a do a bit of research on it. Definitely. No. No. You yeah. I can okay. Alright. I'll do a little bit of research and see what we can find. Okay. Okay. Yep. So, like, the lithium and all those sorts of things? Yeah. The next level are okay. Okay. Alright. I can have a look at that and do a little bit of research as part of what we're looking at for sure. The next document is just the Vanguard index chart. So it's a visual. It just explains to you it's a visual basically that shows how the different sectors react. So US shares, Australian shares, international shares. So the top four in that are your growth assets. So that's where 80% of your your portfolio is invested. If we go to a higher high growth, it's gonna be about 90% invested in those top four with the remaining invested in bonds and cash. Your we've talked about income protection. Your life insurance is sitting at a million 149,123. Now if we look at your debts, it's looking like it would just cover the debt. Is is that something you're comfortable with, or did you wanna cover did you wanna look at increasing those insurance pre those insurance levels? Yep. Beautiful. That's absolutely fine. Because there are asset if the debts were paid, there's obviously assets there for Lisa and Mackenzie. So, yeah, it's as long as it's something that you're comfortable with, there's no issues there. It's just about what you're wanting to achieve and how what as long as it's that's appropriate for Lisa and Mackenzie. The next document is your our financial services guide. It's in the pack. It's available on the website. It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it. And if you don't like us, how you can make a complaint. Beautiful. And there's and the last two documents do require your electronic signature. So as you go through these documents when you get a chance, you'll be able to sign them electronically. The the one of the documents is the ongoing adviser fee. So that's the fee that we charge you from your hub twenty four account. That fee sits at $215.33 per month. Now that covers you for your annual reviews, us to take care of your superannuation, make any changes when we need to. But it also doesn't what some people don't probably realize is is that you're not just limited to one annual review. If you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email. We're here to help regardless. That's what your fee covers. So if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back. Any questions about fees? No. Beautiful. And then the last document in your pack is your tax file number authority. So we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it. Now to ensure that, you know, we meet privacy rules, we just ask because we hold it on file that you acknowledge that you're okay with us doing that. So by signing that form, that's that's just you saying, yeah. That's fine. No worries at all. Beautiful. The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination. Now, yes, we need to get that set up. So would that go to Lisa? Yep. Now I wanna make sure I have the spelling of Lisa's name right. Is it l e s a? Beautiful. And same surname as yourself? Yep. J a y. And what's her date of birth? Have I got you? Eighty two. So what we'll do is we can prefill that and send it to you. It does need to be signed, so wet signature. Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it? Beautiful. Fantastic. I'll get that arranged. And the only other question is to allow me to prefill it so there's no extra admin for yourself. There's two types of nominations. They're both binding, which means the trustee is bound by your decision. One lapses and one doesn't lapse. So every three years, you have to renew it. The non lapsing one is it's only changed when you fill out a new beneficiary form. So what would be your do you have any questions for me? Do you have any questions for me? Beautiful. So what I'm gonna do from here is I'm gonna shoot you an email with those couple of details that I do need from you, And then I'm going to start researching some options to look at replacements on those funds and some other little bits. That process will take me about two weeks. So in about two weeks, you'll hear from the team just to book in another appointment to go through those recommended changes. And the only thing that may delay that is just getting your annual income confirmed so I can look at the income protection. So it maybe say two to three weeks at the at worst. But did you wanna look at replacing your insurance company, or are you happy with Clear View? Yep. Alright. Fantastic. Alright. Well, I'll get to work on the things I need to do. And if you can send me through the other information when I send you an email, that would be fantastic. And I I'll definitely be in contact to go over the the new advice with you when it's available. Beautiful. Thanks so much, Darren. I hope you have a lovely evening. And if you need anything, give me a buzz. Tonight, I might. It depends. Oh, is it? Okay. I might. It depends what time I can get my son to bed. Otherwise, he'll wanna sit up and watch it. And then it's a let's call it a headache tomorrow morning. Yeah. I was gonna say that. I was gonna say that. Beautiful. Alright. Well, you enjoy the footy then, and I'll speak to you in a couple of weeks. Thanks, Darren. Bye. 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Darren. It's Jenna here from Oakview Financial. How are you? Good. Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes.\n\nIs that alright? Fantastic. And, Darren, can I just get you to confirm your full name, date of birth, and address, please? Beautiful. Thank you so much.\n\nHow's your day been so far? Yeah. Good. Thanks. Good.\n\nThanks. I'm just going to run through your annual review. Do you still have time to do that? Fantastic. Alright.\n\nWhat I'll do is do you have access to your emails at all? No. That's okay. Then shortly, I'll send through a review pack. You can review that post our chat when you do have access to it, and it will come from Odoo sign.\n\nSo that's just from myself. But before I send that, yeah, before I send that through, what I'm gonna do is I'm just gonna run through your personal and financial information that we have on file to make sure it's actually current and up to date up to date date. Sorry. Just confirming your marital status. Are you still married?\n\nLovely. Lovely. And your email address is pure c c services@Gmail.com? No. Okay.\n\nWhat's your email address? D a sorry. D a zed m e m e c. Yep. Yep.\n\nM e c or m a c? Okay. Tennessee. Yep. MAC.\n\nYep. Yep. Yep. Sorry. That's my mistake.\n\nNineteen nineteen eighty four. Fantastic. I've got that. Okay. So I'll update that one there.\n\nBeautiful. Thank you for that. And I've already done your address. That's Ridley Street, so that's fine. Yep.\n\nAnd I've got no. You're absolutely fine. No. Absolutely fine. Absolutely fine.\n\nI've got Lisa down here as your spouse your wife's name. Does her numbers end in 655? Fantastic. And I have one dependent. Is that correct?\n\nYep. Are they a financial dependent? How old are they? Mackenzie. Beautiful.\n\nShe the same as mine. Okay. Beautiful. So I've got your occupation here as sales sales and quotes. Is that right?\n\nYep. Okay. And the what did you say the employer name was? Sorry? Florence Manhattan.\n\nYes. Okay. Beautiful. And are you employed on a full time basis? Yeah.\n\nAnd how many hours on average do you work per week? Yes. Yes. Alright. And I've got your income as 75.\n\nIs that right? So $1.50? Okay. Beautiful. Alright.\n\nAnd we have your expenditure here as about 800 a week. Is that correct? Yep. Does that include mortgage repayment, or is that separate? Okay.\n\nAnd your savings per week, we have $500. Is that still the same? Beautiful. And do you make any additional contributions to super besides what your employer does? Okay.\n\nFantastic. Did were you wanting to make any more? Nope. Nope. That's fine.\n\nDo you have an EBA agreement with your employer? An EBA agreement. If you if it if your if your answer is I don't know, then you don't. Beautiful. Alright.\n\nWe have your house here at 400000 with a debt of $3.50. Is that correct? I'm it just I've only got the one property. It just says house. It doesn't say.\n\nI can update it, and we can do both from we can just update it. So have you got an investment property as well? Yeah. Okay. Oh, okay.\n\nBeautiful. Okay. So let's update all that. The what's the carafe property worth? And that's the one you're in now?\n\nYeah. And what's the debt against that? Yep. Yep. $3.50.\n\nOkay. And you said you've just purchased a property in Mackay. Is that in Queensland? Yep. Is it gonna be used as a rental property?\n\nTemporarily? Yep. Are you gonna move there? Yes. Yes.\n\nNo worries at all. How much did you purchase that one for? And what's the debt on that one gonna be? Yeah. Yep.\n\nOkay. That's fine. Beautiful. And we have a car here valued at 38,000 with no debt. Would that still be right?\n\nYeah. Beautiful. And a caravan at 50,000 with a $25,000 debt. That's gone. Beautiful.\n\nAlright. Any other assets and liabilities you can think of? Oh, yep. Your home and contents. Yep.\n\nNo worries. That's alright. Now we have you down as a smoker. Is that still correct? Okay.\n\nNo worries. Any significant health issues or injuries recent or since our last catch up? Nope. Any regular medic medication you take? No.\n\nOkay. And do you have private health insurance? All good. And do you have in your will and power of attorney in place? Yes.\n\nYeah. Okay. Didn't Beautiful. What I might do, if it's okay with you, is following this meeting, send an email through to see if we could obtain a copy of that for our files. The reason why is because if anything was to happen to you and Lisa phoned us to ask questions about your superannuation or your insurance or getting claims done, we're unable to speak to her.\n\nSo we need it's it's very helpful, and it will make the process quicker should anything ever happen to you for Lisa that we have those on file because then we can identify her. So I will yeah. So we we well, it won't give her power or anything like that. But if anything's to happen, we have the estate planning documents on file that we can refer back to, and we'd ask her to provide her ID and all that sort of stuff so we could verify her. Without that without that, it it it does make it difficult.\n\nFantastic. Beautiful. Alright. I'm going to just jump to the goals and objectives that we had on file for you from your last review. And I just wanna run through and see if they're still applicable or if they've changed or if there's any new ones.\n\nSo the la one one of them was that you wanna pay off your mortgage as soon as possible so you can start saving for a time and and enjoy that as much as possible. Is that still a goal of yours? Yep. Are you making yep. Yeah.\n\nSo you're kinda you're doing a debt recycling strategy yourself. That's what we call it. Yeah. So alright. Do you need any assistance with that, or you're you're wanting to manage that yourself?\n\nBeautiful. Beautiful. Alright. Fantastic. No worries.\n\nAlright. Beautiful. The and you'd like to be able travel overseas. Have you been able to achieve that? Is it still a goal?\n\nOh, beautiful. And it's are you gonna make it a regular thing that that's a goal you wanna do? Okay. Beautiful. And I have here that you would like to retire at the age of 60.\n\nDo you have any idea if you were to retire at the age of 60, what income you'd need in today's dollars? Yeah. Alright. Beautiful. And in you basically ensure that you have suitable insurance in place.\n\nSo, yeah, the only thing with your insurance that I I'll run through that in a minute, is that you don't have trauma insurance. Were you would you have been have you been spoken to about that before? No? No. That's okay.\n\nI'll touch on that in a minute. The other questions I wanted to just check with you before I move on to the review package, the review pack itself, is with your review frequency, are you happy to keep that annually, or would you like it more frequent? Yeah. Beautiful. Beautiful.\n\nYour with your surplus cash flow or your savings, where's that being directed at the moment? Is it a bank account? Or yeah. Is there did you want sorry? Yeah.\n\nOkay. Do you know what the balance of your offset is at the moment roughly? Sorry? Yep. That's all good.\n\nNo worries. Yep. Perfect. No worries at all. Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being?\n\nWould there's investments that you can do at so they're similar to superannuation in respect to a portfolio. So it's set up similar, and you can start building it outside of super to build wealth so you're not solely reliant on superannuation come the time of retirement. So it can kinda be a a a stop gap in between. There are other options sorry? No.\n\nNo. It's out yeah. It's outside of super. So you'd you'd what it essentially, what you do is use some of your savings out of out of the offset or if you were to put a $100 in another week or something like that. It's just to build your wealth outside of the super environment.\n\nOr, alternatively, you know, if you wanted to look at setting up a fund for your daughter when she's 25, for example. You can build fantastic. Love it. Love it. Wow.\n\nGood. That's awesome. Love to hear that. So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce debt and build? Yep.\n\nAbsolutely fine. Absolutely. Beautiful. Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk. So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash, for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years.\n\nSo given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile. So my question to you is is are you comfortable with your growth risk profile? Would you like to take a little bit more risk, or would you like to reduce the risk? What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit. So I might just complete a risk profile with you and see what you come out.\n\nI'm sorry? The difference being between yours and the next one up is you've got an extra 10% roughly allocated to your growth assets. The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years. So that still fits within your profile or your time frame. It's just how you feel towards risk.\n\nSo I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel? Would you want to be investing more funds for growth? Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash? So yep. Keep it as gross.\n\nYeah. Nope. That's absolutely fine. We can do that. And we can check-in every year.\n\nThat's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to. You have. Yes. Yeah. Definitely.\n\nLook. I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile. It's it's really a a sleep what I like to refer to as a sleep at night test. So well, I'm not I'm 41, so I'm similar age to yourself. I'm invested in a high growth portfolio because I've got time on my side.\n\nI can withstand well, I can withstand yeah. I can withstand the way I see it is that I can withstand the the market fluctuations. I mean, if I was 50, I would be probably looking at maybe decreasing my allocation to growth assets a little bit, not a lot because I still would have ten years on my side to be able to withstand the market fluctuations. But that's just the benefit of having a review. We we do this regularly to make sure that, you know, there's no guarantee to make sure that, you know, there's no guarantee.\n\nThe markets will always react. I'm sure, you know you know, COVID, for example, you saw everything fall through the roof, and there was no value in anything. So it's really about your comfort. Alright. Well, we can have a look at a high growth portfolio for you.\n\nWhat I'm yes. I'm in a high growth portfolio. Yeah. Alright. So when you have a chance, you when you see your emails, you're gonna see APAC.\n\nI'll quickly run through what they are. It's the first page is a summary just letting you know what your super's at. It's currently just shot it's you're with Hub twenty four, and it's at a $149,149. Are you happy with Hubs so far and no issues? Yeah.\n\nFantastic. And your ClearView insurance policy. So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month. Now I'm just gonna do a quick calculation. Oh my gosh.\n\nI can't type today. Sorry. I think you might be just a bit short on your income protection, some insured. So you're insured for $5,028 a month. But based on your income of $1.50, your some insured should sit somewhere between should sit something more like 8,750 a month.\n\nI'm not sure if that's something that you wanna review. It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen. The same would need to occur for any increase. So your existing cover remains unchanged, but the increase would need to go through underwriting. Basically, I think you need to consider if you were unable to work due to injury or illness, would $5,028 a month meet all the expenses you need, or do we need to look at increasing that?\n\nYeah. Okay. I'm gonna have a look into that. So that's part of my homework. Yeah.\n\nYep. Okay. Yeah. So with income protection, you can only insure up to 70% of your your taxable income. So the sitting it's on on one fifty, we're sitting at 8,750 a month.\n\nIf you could double check what your actual annual income is, that would be helpful. I can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you? The next document in the pack is your performance with hub twenty four. So the last twelve months, we've seen a significant negative return with one fund, which I have highlighted to talk to you about about looking at options to replace. So it's the Bennelong Australian Equities Fund.\n\nIt it ran at a loss at 14% this last twelve months. Not great. The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example. Their mandate is that they look for funds in the Australian market that they feel are undervalued and have room for significant growth. Now sorry?\n\nYes. A 100. So part of another part of my homework is is that I'm gonna look at alternative options for you to get rid of them. The other one in your funds that I wanna look at replacing is the beta bank hybrid. So that's your bank hybrid investments.\n\nThey're they've performed fine. I mean, it's a defensive asset. The return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest product. But what's happening with the the banking system in Australia at the moment is hybrids are gonna be phased out. So by January 2027, they're no longer gonna exist.\n\nSo I wanna look at being a little bit more proactive and see you know, not wait till they're phased out and replace them then. I'd rather look and see if we can get a little bit ahead. You know, there's I don't know if they're gonna drop in value or anything like that, but I think it I'd rather be proactive with our approach to that. So if you're happy with that, I'd like to look at reviewing both of those. Yep.\n\nAnd the rest of your portfolio has performed really well. You've got exposure to global cyber, your battery tech and lithium, which have all performed about 3332%. These are your satellite what we call satellite investments. So they're niche type sectors. You don't have huge exposure to those amounts or those those funds, let's call them, but their performance has been pretty good.\n\nAnd, additionally, you've got your international exposure across America, Asia, Europe, and some global so some global health. So you've got a pretty good good exposure there to your growth assets. So the twelve month return altogether was only 2.41%, which is not great. But in the next we've also included the six month one for you. So for the last six months, you'll see that it's starting to bounce back, and we're sitting at 4.56%.\n\nSo we're on target to hitting that gross return in the next twelve months. Yep. About the what? Sorry. I haven't heard anything.\n\nI can have a look and have a do a bit of research on it. Definitely. No. No. You yeah.\n\nI can okay. Alright. I'll do a little bit of research and see what we can find. Okay. Okay.\n\nYep. So, like, the lithium and all those sorts of things? Yeah. The next level are okay. Okay.\n\nAlright. I can have a look at that and do a little bit of research as part of what we're looking at for sure. The next document is just the Vanguard index chart. So it's a visual. It just explains to you it's a visual basically that shows how the different sectors react.\n\nSo US shares, Australian shares, international shares. So the top four in that are your growth assets. So that's where 80% of your your portfolio is invested. If we go to a higher high growth, it's gonna be about 90% invested in those top four with the remaining invested in bonds and cash. Your we've talked about income protection.\n\nYour life insurance is sitting at a million 149,123. Now if we look at your debts, it's looking like it would just cover the debt. Is is that something you're comfortable with, or did you wanna cover did you wanna look at increasing those insurance pre those insurance levels? Yep. Beautiful.\n\nThat's absolutely fine. Because there are asset if the debts were paid, there's obviously assets there for Lisa and Mackenzie. So, yeah, it's as long as it's something that you're comfortable with, there's no issues there. It's just about what you're wanting to achieve and how what as long as it's that's appropriate for Lisa and Mackenzie. The next document is your our financial services guide.\n\nIt's in the pack. It's available on the website. It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it. And if you don't like us, how you can make a complaint. Beautiful.\n\nAnd there's and the last two documents do require your electronic signature. So as you go through these documents when you get a chance, you'll be able to sign them electronically. The the one of the documents is the ongoing adviser fee. So that's the fee that we charge you from your hub twenty four account. That fee sits at $215.33 per month.\n\nNow that covers you for your annual reviews, us to take care of your superannuation, make any changes when we need to. But it also doesn't what some people don't probably realize is is that you're not just limited to one annual review. If you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email. We're here to help regardless. That's what your fee covers.\n\nSo if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back. Any questions about fees? No. Beautiful. And then the last document in your pack is your tax file number authority.\n\nSo we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it. Now to ensure that, you know, we meet privacy rules, we just ask because we hold it on file that you acknowledge that you're okay with us doing that. So by signing that form, that's that's just you saying, yeah. That's fine. No worries at all.\n\nBeautiful. The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination. Now, yes, we need to get that set up. So would that go to Lisa? Yep.\n\nNow I wanna make sure I have the spelling of Lisa's name right. Is it l e s a? Beautiful. And same surname as yourself? Yep.\n\nJ a y. And what's her date of birth? Have I got you? Eighty two. So what we'll do is we can prefill that and send it to you.\n\nIt does need to be signed, so wet signature. Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it? Beautiful. Fantastic. I'll get that arranged.\n\nAnd the only other question is to allow me to prefill it so there's no extra admin for yourself. There's two types of nominations. They're both binding, which means the trustee is bound by your decision. One lapses and one doesn't lapse. So every three years, you have to renew it.\n\nThe non lapsing one is it's only changed when you fill out a new beneficiary form. So what would be your do you have any questions for me? Do you have any questions for me? Beautiful. So what I'm gonna do from here is I'm gonna shoot you an email with those couple of details that I do need from you, And then I'm going to start researching some options to look at replacements on those funds and some other little bits.\n\nThat process will take me about two weeks. So in about two weeks, you'll hear from the team just to book in another appointment to go through those recommended changes. And the only thing that may delay that is just getting your annual income confirmed so I can look at the income protection. So it maybe say two to three weeks at the at worst. But did you wanna look at replacing your insurance company, or are you happy with Clear View?\n\nYep. Alright. Fantastic. Alright. Well, I'll get to work on the things I need to do.\n\nAnd if you can send me through the other information when I send you an email, that would be fantastic. And I I'll definitely be in contact to go over the the new advice with you when it's available. Beautiful. Thanks so much, Darren. I hope you have a lovely evening.\n\nAnd if you need anything, give me a buzz. Tonight, I might. It depends. Oh, is it? Okay.\n\nI might. It depends what time I can get my son to bed. Otherwise, he'll wanna sit up and watch it. And then it's a let's call it a headache tomorrow morning. Yeah.\n\nI was gonna say that. I was gonna say that. Beautiful. Alright. Well, you enjoy the footy then, and I'll speak to you in a couple of weeks.\n\nThanks, Darren. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":2.0,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.09192172437906265},{"text":"It's Jenna here from Oakview Financial.","start":2.8799999,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.14051259805758795},{"text":"How are you?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.12401230881611507},{"text":"Good.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.3200054168701172},{"text":"Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes.","start":8.16,"end":12.82,"sentiment":"neutral","sentiment_score":0.07340993088754741}],"sentiment":"neutral","sentiment_score":0.09805823117494583,"num_words":34,"start":2.0,"end":12.82},{"sentences":[{"text":"Is that alright?","start":12.885,"end":13.545,"sentiment":"neutral","sentiment_score":0.08168188979228337},{"text":"Fantastic.","start":15.6050005,"end":16.105,"sentiment":"positive","sentiment_score":0.5599305629730225},{"text":"And, Darren, can I just get you to confirm your full name, date of birth, and address, please?","start":16.725,"end":20.985,"sentiment":"neutral","sentiment_score":0.1274114524324735},{"text":"Beautiful.","start":30.82,"end":31.3,"sentiment":"positive","sentiment_score":0.44438356161117554},{"text":"Thank you so much.","start":31.3,"end":32.52,"sentiment":"positive","sentiment_score":0.5218894183635712}],"sentiment":"neutral","sentiment_score":0.20853050411851318,"num_words":27,"start":12.885,"end":32.52},{"sentences":[{"text":"How's your day been so far?","start":32.739998,"end":34.2,"sentiment":"neutral","sentiment_score":0.19767891615629196},{"text":"Yeah.","start":40.164997,"end":40.565,"sentiment":"neutral","sentiment_score":0.11319682747125626},{"text":"Good.","start":40.565,"end":40.805,"sentiment":"neutral","sentiment_score":0.24095603823661804},{"text":"Thanks.","start":40.805,"end":41.125,"sentiment":"neutral","sentiment_score":0.3200996518135071},{"text":"Good.","start":41.125,"end":41.364998,"sentiment":"neutral","sentiment_score":0.32332277297973633}],"sentiment":"neutral","sentiment_score":0.21836487874388694,"num_words":10,"start":32.739998,"end":41.364998},{"sentences":[{"text":"Thanks.","start":41.364998,"end":41.864998,"sentiment":"positive","sentiment_score":0.3793297111988067},{"text":"I'm just going to run through your annual review.","start":42.644997,"end":45.844997,"sentiment":"neutral","sentiment_score":0.14175071898433897},{"text":"Do you still have time to do that?","start":45.844997,"end":47.704998,"sentiment":"neutral","sentiment_score":0.07950680004432797},{"text":"Fantastic.","start":49.684998,"end":50.184998,"sentiment":"neutral","sentiment_score":0.31065690517425537},{"text":"Alright.","start":50.725,"end":51.225,"sentiment":"neutral","sentiment_score":0.14898957312107086}],"sentiment":"neutral","sentiment_score":0.1375393530353904,"num_words":20,"start":41.364998,"end":51.225},{"sentences":[{"text":"What I'll do is do you have access to your emails at all?","start":52.69,"end":55.829998,"sentiment":"neutral","sentiment_score":0.0476084308555493},{"text":"No.","start":59.809998,"end":60.05,"sentiment":"neutral","sentiment_score":-0.0774051696062088},{"text":"That's okay.","start":60.05,"end":60.79,"sentiment":"neutral","sentiment_score":-0.014936797320842743},{"text":"Then shortly, I'll send through a review pack.","start":61.809998,"end":64.45,"sentiment":"neutral","sentiment_score":0.023360265884548426},{"text":"You can review that post our chat when you do have access to it, and it will come from Odoo sign.","start":64.45,"end":72.845,"sentiment":"neutral","sentiment_score":0.024579145213855163}],"sentiment":"neutral","sentiment_score":0.02699277807647983,"num_words":45,"start":52.69,"end":72.845},{"sentences":[{"text":"So that's just from myself.","start":72.90501,"end":75.005005,"sentiment":"neutral","sentiment_score":-0.0036579894367605448},{"text":"But before I send that, yeah, before I send that through, what I'm gonna do is I'm just gonna run through your personal and financial information that we have on file to make sure it's actually current and up to date up to date date.","start":75.545006,"end":88.71,"sentiment":"neutral","sentiment_score":0.03986430146420995},{"text":"Sorry.","start":89.01,"end":89.51,"sentiment":"neutral","sentiment_score":-0.010624859482049942},{"text":"Just confirming your marital status.","start":92.21,"end":95.475,"sentiment":"neutral","sentiment_score":0.043322977423667905},{"text":"Are you still married?","start":95.475,"end":96.535,"sentiment":"neutral","sentiment_score":0.003125014947727322}],"sentiment":"neutral","sentiment_score":0.03323489510221407,"num_words":60,"start":72.90501,"end":96.535},{"sentences":[{"text":"Lovely.","start":98.755,"end":99.255,"sentiment":"neutral","sentiment_score":0.2118365466594696},{"text":"Lovely.","start":99.395,"end":99.895,"sentiment":"neutral","sentiment_score":0.17969638109207153},{"text":"And your email address is pure c c services@Gmail.com?","start":100.435,"end":106.17,"sentiment":"neutral","sentiment_score":0.04183483082387182},{"text":"No.","start":108.17,"end":108.67,"sentiment":"neutral","sentiment_score":-0.07037799060344696},{"text":"Okay.","start":109.29,"end":109.79,"sentiment":"neutral","sentiment_score":-0.03545542061328888}],"sentiment":"neutral","sentiment_score":0.050939461073050134,"num_words":13,"start":98.755,"end":109.79},{"sentences":[{"text":"What's your email address?","start":110.009995,"end":111.79,"sentiment":"neutral","sentiment_score":-0.01925669237971306},{"text":"D a sorry.","start":115.93,"end":117.85,"sentiment":"neutral","sentiment_score":-0.01297319463143746},{"text":"D a zed m e m e c.","start":117.85,"end":121.935,"sentiment":"neutral","sentiment_score":-0.0023154712980613112},{"text":"Yep.","start":121.935,"end":122.435,"sentiment":"neutral","sentiment_score":0.014339454472064972},{"text":"Yep.","start":126.975,"end":127.455,"sentiment":"neutral","sentiment_score":0.007824044674634933}],"sentiment":"neutral","sentiment_score":-0.006606272038291483,"num_words":17,"start":110.009995,"end":127.455},{"sentences":[{"text":"M e c or m a c?","start":127.455,"end":129.715,"sentiment":"neutral","sentiment_score":0.004412710533610412},{"text":"Okay.","start":134.61,"end":135.11,"sentiment":"neutral","sentiment_score":0.013238556683063509},{"text":"Tennessee.","start":135.81,"end":136.31,"sentiment":"neutral","sentiment_score":0.010216061025857924},{"text":"Yep.","start":138.29001,"end":138.79001,"sentiment":"neutral","sentiment_score":0.015980830416083336},{"text":"MAC.","start":138.93001,"end":139.43001,"sentiment":"neutral","sentiment_score":0.007575977593660355}],"sentiment":"neutral","sentiment_score":0.007081854495812546,"num_words":11,"start":127.455,"end":139.43001},{"sentences":[{"text":"Yep.","start":139.89,"end":140.39,"sentiment":"neutral","sentiment_score":0.006178275682032108},{"text":"Yep.","start":140.69,"end":141.01001,"sentiment":"neutral","sentiment_score":0.006309045013040304},{"text":"Yep.","start":141.01001,"end":141.41,"sentiment":"neutral","sentiment_score":-0.0021229800768196583},{"text":"Sorry.","start":141.41,"end":141.73,"sentiment":"neutral","sentiment_score":-0.08975750207901001},{"text":"That's my mistake.","start":141.73,"end":142.63,"sentiment":"neutral","sentiment_score":-0.18621495366096497}],"sentiment":"neutral","sentiment_score":-0.09114828892052174,"num_words":7,"start":139.89,"end":142.63},{"sentences":[{"text":"Nineteen nineteen eighty four.","start":143.97,"end":152.355,"sentiment":"neutral","sentiment_score":0.00392409204505384},{"text":"Fantastic.","start":152.355,"end":152.855,"sentiment":"positive","sentiment_score":0.5197633504867554},{"text":"I've got that.","start":153.075,"end":153.635,"sentiment":"positive","sentiment_score":0.4197354813416799},{"text":"Okay.","start":153.635,"end":153.955,"sentiment":"neutral","sentiment_score":0.17395681142807007},{"text":"So I'll update that one there.","start":153.955,"end":155.655,"sentiment":"neutral","sentiment_score":0.18228885779778162}],"sentiment":"neutral","sentiment_score":0.20415707472711803,"num_words":15,"start":143.97,"end":155.655},{"sentences":[{"text":"Beautiful.","start":156.035,"end":156.535,"sentiment":"positive","sentiment_score":0.5231400728225708},{"text":"Thank you for that.","start":156.595,"end":157.655,"sentiment":"positive","sentiment_score":0.47152552008628845},{"text":"And I've already done your address.","start":159.395,"end":164.73001,"sentiment":"neutral","sentiment_score":-0.02051875740289688},{"text":"That's Ridley Street, so that's fine.","start":164.73001,"end":167.07,"sentiment":"neutral","sentiment_score":0.031129226088523865},{"text":"Yep.","start":168.09001,"end":168.59001,"sentiment":"neutral","sentiment_score":-0.01552719809114933}],"sentiment":"neutral","sentiment_score":0.13652098706612983,"num_words":18,"start":156.035,"end":168.59001},{"sentences":[{"text":"And I've got no.","start":170.17001,"end":174.89001,"sentiment":"neutral","sentiment_score":-0.06355085037648678},{"text":"You're absolutely fine.","start":174.89001,"end":176.325,"sentiment":"neutral","sentiment_score":-0.07501445213953654},{"text":"No.","start":187.125,"end":187.36499,"sentiment":"neutral","sentiment_score":-0.05749382823705673},{"text":"Absolutely fine.","start":187.36499,"end":188.405,"sentiment":"neutral","sentiment_score":0.043518319725990295},{"text":"Absolutely fine.","start":188.405,"end":189.385,"sentiment":"neutral","sentiment_score":0.11725950241088867}],"sentiment":"neutral","sentiment_score":-0.01793207849065463,"num_words":12,"start":170.17001,"end":189.385},{"sentences":[{"text":"I've got Lisa down here as your spouse your wife's name.","start":189.95,"end":195.97,"sentiment":"neutral","sentiment_score":0.03594514134932648},{"text":"Does her numbers end in 655?","start":196.83,"end":201.09,"sentiment":"neutral","sentiment_score":0.0067635267817725735},{"text":"Fantastic.","start":202.91,"end":203.41,"sentiment":"neutral","sentiment_score":0.24725741147994995},{"text":"And I have one dependent.","start":204.445,"end":205.985,"sentiment":"neutral","sentiment_score":0.10863278806209564},{"text":"Is that correct?","start":206.125,"end":207.10501,"sentiment":"neutral","sentiment_score":0.06306026255091031}],"sentiment":"neutral","sentiment_score":0.0544453790375533,"num_words":26,"start":189.95,"end":207.10501},{"sentences":[{"text":"Yep.","start":209.645,"end":210.145,"sentiment":"neutral","sentiment_score":0.015672171488404274},{"text":"Are they a financial dependent?","start":210.925,"end":212.705,"sentiment":"neutral","sentiment_score":0.012267152220010758},{"text":"How old are they?","start":212.765,"end":213.905,"sentiment":"neutral","sentiment_score":0.001246898202225566},{"text":"Mackenzie.","start":216.925,"end":217.425,"sentiment":"neutral","sentiment_score":0.04488799348473549},{"text":"Beautiful.","start":218.125,"end":218.625,"sentiment":"neutral","sentiment_score":0.13034403324127197}],"sentiment":"neutral","sentiment_score":0.021435629343613982,"num_words":12,"start":209.645,"end":218.625},{"sentences":[{"text":"She the same as mine.","start":222.46999,"end":224.56999,"sentiment":"neutral","sentiment_score":-0.04300447665154934},{"text":"Okay.","start":226.70999,"end":227.10999,"sentiment":"neutral","sentiment_score":0.0787312462925911},{"text":"Beautiful.","start":227.10999,"end":227.60999,"sentiment":"neutral","sentiment_score":0.1755450814962387},{"text":"So I've got your occupation here as sales sales and quotes.","start":228.15,"end":234.255,"sentiment":"neutral","sentiment_score":0.08828287571668625},{"text":"Is that right?","start":234.41501,"end":235.235,"sentiment":"neutral","sentiment_score":0.07813869044184685}],"sentiment":"neutral","sentiment_score":0.05927531660667488,"num_words":21,"start":222.46999,"end":235.235},{"sentences":[{"text":"Yep.","start":241.375,"end":241.875,"sentiment":"neutral","sentiment_score":0.01620228961110115},{"text":"Okay.","start":242.015,"end":242.515,"sentiment":"neutral","sentiment_score":0.017368415370583534},{"text":"And the what did you say the employer name was?","start":245.295,"end":249.46,"sentiment":"neutral","sentiment_score":-0.0023419887758791445},{"text":"Sorry?","start":249.46,"end":249.96,"sentiment":"neutral","sentiment_score":-0.007357883267104626},{"text":"Florence Manhattan.","start":252.42,"end":253.56,"sentiment":"neutral","sentiment_score":0.02133151702582836}],"sentiment":"neutral","sentiment_score":0.003030397867163022,"num_words":15,"start":241.375,"end":253.56},{"sentences":[{"text":"Yes.","start":255.94,"end":256.34,"sentiment":"neutral","sentiment_score":0.04558384418487549},{"text":"Okay.","start":256.34,"end":256.74,"sentiment":"neutral","sentiment_score":0.092014342546463},{"text":"Beautiful.","start":256.74,"end":257.24,"sentiment":"neutral","sentiment_score":0.1505227088928223},{"text":"And are you employed on a full time basis?","start":265.315,"end":268.055,"sentiment":"neutral","sentiment_score":0.060410703221956887},{"text":"Yeah.","start":269.875,"end":270.19498,"sentiment":"neutral","sentiment_score":0.029539018869400024}],"sentiment":"neutral","sentiment_score":0.06625817257624406,"num_words":13,"start":255.94,"end":270.19498},{"sentences":[{"text":"And how many hours on average do you work per 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$1.50?","start":297.815,"end":298.91,"sentiment":"neutral","sentiment_score":-0.01378560159355402},{"text":"Okay.","start":303.53,"end":304.01,"sentiment":"neutral","sentiment_score":0.16945025324821472},{"text":"Beautiful.","start":304.01,"end":304.51,"sentiment":"positive","sentiment_score":0.5115881562232971},{"text":"Alright.","start":306.17,"end":306.67,"sentiment":"neutral","sentiment_score":0.21300797164440155}],"sentiment":"neutral","sentiment_score":0.100142877898179,"num_words":8,"start":283.17,"end":306.67},{"sentences":[{"text":"And we have your expenditure here as about 800 a week.","start":307.05002,"end":310.57,"sentiment":"neutral","sentiment_score":0.05337703532793305},{"text":"Is that correct?","start":310.57,"end":315.115,"sentiment":"neutral","sentiment_score":0.029536721607049305},{"text":"Yep.","start":315.575,"end":315.895,"sentiment":"neutral","sentiment_score":0.007319861557334661},{"text":"Does that include mortgage repayment, or is that 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does?","start":333.03,"end":339.175,"sentiment":"neutral","sentiment_score":0.026134770097477094},{"text":"Okay.","start":340.51498,"end":340.91498,"sentiment":"neutral","sentiment_score":0.11321333795785904}],"sentiment":"neutral","sentiment_score":0.04161472535081979,"num_words":29,"start":324.23,"end":340.91498},{"sentences":[{"text":"Fantastic.","start":340.91498,"end":341.41498,"sentiment":"neutral","sentiment_score":0.28604069352149963},{"text":"Did were you wanting to make any more?","start":343.47498,"end":345.735,"sentiment":"neutral","sentiment_score":0.05254336108919233},{"text":"Nope.","start":347.715,"end":348.215,"sentiment":"neutral","sentiment_score":-0.15213793516159058},{"text":"Nope.","start":348.35498,"end":348.675,"sentiment":"neutral","sentiment_score":-0.11971255391836166},{"text":"That's 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questions about your superannuation or your insurance or getting claims done, we're unable to speak to her.","start":601.805,"end":618.08,"sentiment":"neutral","sentiment_score":-0.08481956039156233}],"sentiment":"neutral","sentiment_score":0.02312279811155969,"num_words":69,"start":588.0,"end":618.08},{"sentences":[{"text":"So we need it's it's very helpful, and it will make the process quicker should anything ever happen to you for Lisa that we have those on file because then we can identify her.","start":620.06,"end":630.435,"sentiment":"neutral","sentiment_score":0.10164927439216305},{"text":"So I will yeah.","start":630.73505,"end":635.775,"sentiment":"neutral","sentiment_score":0.0483285840600729},{"text":"So we we well, it won't give her power or anything like that.","start":635.775,"end":640.07996,"sentiment":"neutral","sentiment_score":-0.011257272500258226},{"text":"But if anything's to happen, we have the estate planning documents on file that we can refer back to, and we'd 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yep.","start":689.75,"end":695.58997,"sentiment":"neutral","sentiment_score":0.03577666822820902},{"text":"Yeah.","start":695.58997,"end":695.75,"sentiment":"neutral","sentiment_score":0.03875107318162918}],"sentiment":"neutral","sentiment_score":0.24716251770344874,"num_words":48,"start":676.955,"end":695.75},{"sentences":[{"text":"So you're kinda you're doing a debt recycling strategy yourself.","start":695.75,"end":700.73,"sentiment":"neutral","sentiment_score":0.01786730266176164},{"text":"That's what we call it.","start":701.58997,"end":702.87,"sentiment":"neutral","sentiment_score":0.025787341222167016},{"text":"Yeah.","start":702.87,"end":703.37,"sentiment":"neutral","sentiment_score":0.0555947981774807},{"text":"So alright.","start":703.715,"end":704.35504,"sentiment":"neutral","sentiment_score":0.0690995529294014},{"text":"Do you need any assistance with that, or you're you're wanting to manage that yourself?","start":704.35504,"end":708.29504,"sentiment":"neutral","sentiment_score":0.053377534324924154}],"sentiment":"neutral","sentiment_score":0.039456565201169615,"num_words":33,"start":695.75,"end":708.29504},{"sentences":[{"text":"Beautiful.","start":717.955,"end":718.23,"sentiment":"positive","sentiment_score":0.3512151539325714},{"text":"Beautiful.","start":720.70996,"end":720.94995,"sentiment":"positive","sentiment_score":0.5040773153305054},{"text":"Alright.","start":720.94995,"end":721.43,"sentiment":"neutral","sentiment_score":0.30491870641708374},{"text":"Fantastic.","start":721.43,"end":721.93,"sentiment":"positive","sentiment_score":0.5476352572441101},{"text":"No worries.","start":722.23,"end":722.97,"sentiment":"neutral","sentiment_score":0.08769963681697845}],"sentiment":"neutral","sentiment_score":0.3138742844263713,"num_words":6,"start":717.955,"end":722.97},{"sentences":[{"text":"Alright.","start":726.79,"end":727.26996,"sentiment":"neutral","sentiment_score":0.29456713795661926},{"text":"Beautiful.","start":727.26996,"end":727.76996,"sentiment":"positive","sentiment_score":0.5087095499038696},{"text":"The and you'd like to be able travel overseas.","start":730.79,"end":733.645,"sentiment":"neutral","sentiment_score":0.291621799270312},{"text":"Have you been able to achieve that?","start":733.645,"end":735.325,"sentiment":"neutral","sentiment_score":0.2723516694137028},{"text":"Is it still a goal?","start":735.325,"end":736.54504,"sentiment":"neutral","sentiment_score":0.15045375674962996}],"sentiment":"neutral","sentiment_score":0.2646349283016246,"num_words":23,"start":726.79,"end":736.54504},{"sentences":[{"text":"Oh, beautiful.","start":741.325,"end":742.065,"sentiment":"neutral","sentiment_score":0.27515655010938644},{"text":"And it's are you gonna make it a regular thing that that's a goal you wanna do?","start":743.885,"end":748.13,"sentiment":"neutral","sentiment_score":0.1961483482052298},{"text":"Okay.","start":754.82996,"end":755.32996,"sentiment":"neutral","sentiment_score":0.24532988667488095},{"text":"Beautiful.","start":755.55,"end":756.05,"sentiment":"positive","sentiment_score":0.42514586448669434},{"text":"And I have here that you would like to retire at the age of 60.","start":757.70996,"end":761.32996,"sentiment":"neutral","sentiment_score":0.1377495234211286}],"sentiment":"neutral","sentiment_score":0.18393204506072733,"num_words":36,"start":741.325,"end":761.32996},{"sentences":[{"text":"Do you have any idea if you were to retire at the age of 60, what income you'd need in today's dollars?","start":762.335,"end":770.275,"sentiment":"neutral","sentiment_score":0.01572898321583952},{"text":"Yeah.","start":775.53503,"end":776.03503,"sentiment":"neutral","sentiment_score":0.005826770793646574},{"text":"Alright.","start":779.98,"end":780.48,"sentiment":"neutral","sentiment_score":0.04552697390317917},{"text":"Beautiful.","start":781.33997,"end":781.83997,"sentiment":"positive","sentiment_score":0.7411587834358215},{"text":"And in you basically ensure that you have suitable insurance in place.","start":783.33997,"end":788.48,"sentiment":"positive","sentiment_score":0.40522705142696697}],"sentiment":"neutral","sentiment_score":0.16219661556769516,"num_words":37,"start":762.335,"end":788.48},{"sentences":[{"text":"So, yeah, the only thing with your insurance that I I'll run through that in a minute, is that you don't have trauma insurance.","start":789.375,"end":801.135,"sentiment":"neutral","sentiment_score":0.0071724931088586645},{"text":"Were you would you have been have you been spoken to about that before?","start":801.135,"end":805.6,"sentiment":"neutral","sentiment_score":-0.005924642485167299},{"text":"No?","start":808.3,"end":808.8,"sentiment":"neutral","sentiment_score":-0.11192134022712708},{"text":"No.","start":810.94,"end":811.26,"sentiment":"neutral","sentiment_score":-0.13376526534557345},{"text":"That's okay.","start":811.26,"end":811.82,"sentiment":"neutral","sentiment_score":-0.04866056144237518}],"sentiment":"neutral","sentiment_score":-0.006043164015171074,"num_words":42,"start":789.375,"end":811.82},{"sentences":[{"text":"I'll touch on that in a minute.","start":811.82,"end":813.2,"sentiment":"neutral","sentiment_score":0.0013630802610090805},{"text":"The other questions I wanted to just check with you before I move on to the review package, the review pack itself, is with your review frequency, are you happy to keep that annually, or would you like it more frequent?","start":813.66,"end":826.005,"sentiment":"neutral","sentiment_score":-0.05867264124496681},{"text":"Yeah.","start":830.065,"end":830.565,"sentiment":"neutral","sentiment_score":0.04587449133396149},{"text":"Beautiful.","start":834.73,"end":835.13,"sentiment":"positive","sentiment_score":0.4405892789363861},{"text":"Beautiful.","start":835.13,"end":835.63,"sentiment":"positive","sentiment_score":0.5651957988739014}],"sentiment":"neutral","sentiment_score":-0.026360336472006404,"num_words":51,"start":811.82,"end":835.63},{"sentences":[{"text":"Your with your surplus cash flow or your savings, where's that being directed at the moment?","start":837.61,"end":848.32495,"sentiment":"neutral","sentiment_score":0.2808236749842763},{"text":"Is it a bank account?","start":848.32495,"end":849.485,"sentiment":"neutral","sentiment_score":-0.017368459329009055},{"text":"Or yeah.","start":849.545,"end":853.725,"sentiment":"neutral","sentiment_score":-0.01776720304042101},{"text":"Is there did you want sorry?","start":857.305,"end":859.565,"sentiment":"neutral","sentiment_score":-0.02103897851581375},{"text":"Yeah.","start":863.60004,"end":863.76,"sentiment":"neutral","sentiment_score":0.004612836055457592}],"sentiment":"neutral","sentiment_score":0.14163936873277028,"num_words":30,"start":837.61,"end":863.76},{"sentences":[{"text":"Okay.","start":863.76,"end":864.26,"sentiment":"neutral","sentiment_score":0.004221281036734581},{"text":"Do you know what the balance of your offset is at the moment roughly?","start":864.56,"end":867.62,"sentiment":"neutral","sentiment_score":-0.00989766325801611},{"text":"Sorry?","start":871.28,"end":871.78,"sentiment":"neutral","sentiment_score":-0.03365975618362427},{"text":"Yep.","start":878.48004,"end":878.805,"sentiment":"neutral","sentiment_score":0.04822046682238579},{"text":"That's all good.","start":880.245,"end":881.125,"sentiment":"positive","sentiment_score":0.37465888261795044}],"sentiment":"neutral","sentiment_score":0.05020956769585609,"num_words":20,"start":863.76,"end":881.125},{"sentences":[{"text":"No worries.","start":881.125,"end":881.865,"sentiment":"neutral","sentiment_score":0.11123987659811974},{"text":"Yep.","start":884.885,"end":885.365,"sentiment":"neutral","sentiment_score":0.13600225746631622},{"text":"Perfect.","start":885.365,"end":885.865,"sentiment":"positive","sentiment_score":0.4019936919212342},{"text":"No worries at all.","start":886.085,"end":887.205,"sentiment":"neutral","sentiment_score":0.07392469351179898},{"text":"Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being?","start":887.205,"end":896.74,"sentiment":"neutral","sentiment_score":0.05556719916473542}],"sentiment":"neutral","sentiment_score":0.07255711259009938,"num_words":36,"start":881.125,"end":896.74},{"sentences":[{"text":"Would there's investments that you can do at so they're similar to superannuation in respect to a portfolio.","start":900.07996,"end":905.45996,"sentiment":"neutral","sentiment_score":0.042550900744067296},{"text":"So it's set up similar, and you can start building it outside of super to build wealth so you're not solely reliant on superannuation come the time of retirement.","start":905.92,"end":917.77496,"sentiment":"neutral","sentiment_score":0.05904926404613873},{"text":"So it can kinda be a a a stop gap in between.","start":917.77496,"end":924.95,"sentiment":"neutral","sentiment_score":0.022469261195510626},{"text":"There are other options sorry?","start":925.88995,"end":928.47,"sentiment":"neutral","sentiment_score":0.009837897680699825},{"text":"No.","start":934.555,"end":934.79504,"sentiment":"neutral","sentiment_score":-0.022717468440532684}],"sentiment":"neutral","sentiment_score":0.04268381576985121,"num_words":65,"start":900.07996,"end":934.79504},{"sentences":[{"text":"No.","start":934.79504,"end":935.03503,"sentiment":"neutral","sentiment_score":-0.024277659133076668},{"text":"It's out yeah.","start":935.03503,"end":936.315,"sentiment":"neutral","sentiment_score":-0.004561235196888448},{"text":"It's outside of super.","start":936.315,"end":937.85504,"sentiment":"neutral","sentiment_score":0.005728773463488324},{"text":"So you'd you'd what it essentially, what you do is use some of your savings out of out of the offset or if you were to put a $100 in another week or something like that.","start":937.995,"end":948.68005,"sentiment":"neutral","sentiment_score":0.05140893735612432},{"text":"It's just to build your wealth outside of the super environment.","start":948.68005,"end":952.9,"sentiment":"neutral","sentiment_score":0.072225748476657}],"sentiment":"neutral","sentiment_score":0.04782106740352571,"num_words":55,"start":934.79504,"end":952.9},{"sentences":[{"text":"Or, alternatively, you know, if you wanted to look at setting up a fund for your daughter when she's 25, for example.","start":953.12,"end":961.82495,"sentiment":"neutral","sentiment_score":0.0333167714998126},{"text":"You can build fantastic.","start":961.82495,"end":966.605,"sentiment":"neutral","sentiment_score":0.24976447131484747},{"text":"Love it.","start":967.70496,"end":968.365,"sentiment":"positive","sentiment_score":0.3542148172855377},{"text":"Love it.","start":969.065,"end":969.805,"sentiment":"neutral","sentiment_score":0.12431565299630165},{"text":"Wow.","start":976.02496,"end":976.52496,"sentiment":"neutral","sentiment_score":0.2922496795654297}],"sentiment":"neutral","sentiment_score":0.09617217672207663,"num_words":31,"start":953.12,"end":976.52496},{"sentences":[{"text":"Good.","start":977.27,"end":977.51,"sentiment":"positive","sentiment_score":0.40827232599258423},{"text":"That's awesome.","start":977.51,"end":978.17,"sentiment":"positive","sentiment_score":0.5622277110815048},{"text":"Love to hear that.","start":978.23,"end":979.29,"sentiment":"positive","sentiment_score":0.5441455841064453},{"text":"So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce debt and build?","start":979.75,"end":996.795,"sentiment":"neutral","sentiment_score":0.08165168915357855},{"text":"Yep.","start":1003.575,"end":1003.97504,"sentiment":"neutral","sentiment_score":0.029096683487296104}],"sentiment":"neutral","sentiment_score":0.13986288264112653,"num_words":53,"start":977.27,"end":1003.97504},{"sentences":[{"text":"Absolutely fine.","start":1003.97504,"end":1005.29,"sentiment":"positive","sentiment_score":0.4718155562877655},{"text":"Absolutely.","start":1005.51,"end":1006.01,"sentiment":"positive","sentiment_score":0.48080044984817505},{"text":"Beautiful.","start":1007.91,"end":1008.41,"sentiment":"positive","sentiment_score":0.6652221083641052},{"text":"Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk.","start":1010.47,"end":1020.265,"sentiment":"neutral","sentiment_score":0.061593142648537956},{"text":"So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash, for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years.","start":1021.92505,"end":1062.44,"sentiment":"neutral","sentiment_score":-0.052190193412713255}],"sentiment":"neutral","sentiment_score":-0.010794817283749581,"num_words":105,"start":1003.97504,"end":1062.44},{"sentences":[{"text":"So given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile.","start":1062.44,"end":1076.245,"sentiment":"neutral","sentiment_score":-0.0527329856594061},{"text":"So my question to you is is are you comfortable with your growth risk profile?","start":1076.865,"end":1081.6849,"sentiment":"neutral","sentiment_score":-0.0034972685078779858},{"text":"Would you like to take a little bit more risk, or would you like to reduce the risk?","start":1082.1449,"end":1087.47,"sentiment":"neutral","sentiment_score":-0.0794906032582124},{"text":"What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit.","start":1092.09,"end":1110.4751,"sentiment":"neutral","sentiment_score":-0.032409345855315526},{"text":"So I might just complete a risk profile with you and see what you come out.","start":1111.1699,"end":1118.3099,"sentiment":"neutral","sentiment_score":0.012688042013905942}],"sentiment":"neutral","sentiment_score":-0.03469884846874369,"num_words":123,"start":1062.44,"end":1118.3099},{"sentences":[{"text":"I'm sorry?","start":1125.375,"end":1126.115,"sentiment":"neutral","sentiment_score":-0.13865935057401657},{"text":"The difference being between yours and the next one up is you've got an extra 10% roughly allocated to your growth assets.","start":1136.895,"end":1144.89,"sentiment":"neutral","sentiment_score":-0.0055439201268282804},{"text":"The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years.","start":1145.51,"end":1158.745,"sentiment":"neutral","sentiment_score":0.0021990987161795298},{"text":"So that still fits within your profile or your time frame.","start":1158.745,"end":1164.2849,"sentiment":"neutral","sentiment_score":0.14187806776978754},{"text":"It's just how you feel towards risk.","start":1164.9049,"end":1167.5449,"sentiment":"neutral","sentiment_score":0.010641918517649174}],"sentiment":"neutral","sentiment_score":0.01808111378664358,"num_words":72,"start":1125.375,"end":1167.5449},{"sentences":[{"text":"So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel?","start":1167.5449,"end":1176.76,"sentiment":"neutral","sentiment_score":0.04041462253941142},{"text":"Would you want to be investing more funds for growth?","start":1176.76,"end":1179.8999,"sentiment":"neutral","sentiment_score":0.013747330009937286},{"text":"Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash?","start":1180.6,"end":1193.2351,"sentiment":"neutral","sentiment_score":-0.025176907831337303},{"text":"So yep.","start":1201.75,"end":1205.77,"sentiment":"neutral","sentiment_score":-0.023443968035280704},{"text":"Keep it as gross.","start":1205.83,"end":1206.97,"sentiment":"neutral","sentiment_score":-0.0016180053353309631}],"sentiment":"neutral","sentiment_score":0.0029294170491712193,"num_words":71,"start":1167.5449,"end":1206.97},{"sentences":[{"text":"Yeah.","start":1207.75,"end":1208.25,"sentiment":"neutral","sentiment_score":0.08651461452245712},{"text":"Nope.","start":1209.11,"end":1209.51,"sentiment":"neutral","sentiment_score":0.1977853626012802},{"text":"That's absolutely fine.","start":1209.51,"end":1211.13,"sentiment":"positive","sentiment_score":0.4930688142776489},{"text":"We can do that.","start":1211.4299,"end":1212.49,"sentiment":"positive","sentiment_score":0.5943796932697296},{"text":"And we can check-in every year.","start":1212.9349,"end":1214.535,"sentiment":"positive","sentiment_score":0.42075010140736896}],"sentiment":"positive","sentiment_score":0.4443683867653211,"num_words":15,"start":1207.75,"end":1214.535},{"sentences":[{"text":"That's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to.","start":1214.535,"end":1222.475,"sentiment":"positive","sentiment_score":0.46721991691096076},{"text":"You have.","start":1227.415,"end":1227.975,"sentiment":"neutral","sentiment_score":0.17352405190467834},{"text":"Yes.","start":1227.975,"end":1228.35,"sentiment":"neutral","sentiment_score":0.17555192112922668},{"text":"Yeah.","start":1228.6699,"end":1228.83,"sentiment":"neutral","sentiment_score":0.1524811089038849},{"text":"Definitely.","start":1228.83,"end":1229.33,"sentiment":"neutral","sentiment_score":0.2459438145160675}],"sentiment":"positive","sentiment_score":0.425600074669894,"num_words":34,"start":1214.535,"end":1229.33},{"sentences":[{"text":"Look.","start":1234.35,"end":1234.75,"sentiment":"neutral","sentiment_score":0.05099019408226013},{"text":"I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile.","start":1234.75,"end":1249.2749,"sentiment":"neutral","sentiment_score":0.089805369079113},{"text":"It's it's really a a sleep what I like to refer to as a sleep at night test.","start":1251.815,"end":1257.2,"sentiment":"neutral","sentiment_score":0.08453896931476063},{"text":"So well, I'm not I'm 41, so I'm similar age to yourself.","start":1257.82,"end":1267.6799,"sentiment":"neutral","sentiment_score":0.004237962032978733},{"text":"I'm invested in a high growth portfolio because I've got time on my side.","start":1269.415,"end":1274.0751,"sentiment":"neutral","sentiment_score":0.1344276565526213}],"sentiment":"neutral","sentiment_score":0.08266260600338379,"num_words":75,"start":1234.35,"end":1274.0751},{"sentences":[{"text":"I can withstand well, I can withstand yeah.","start":1275.175,"end":1281.9751,"sentiment":"neutral","sentiment_score":0.1162631269544363},{"text":"I can withstand the way I see it is that I can withstand the the market fluctuations.","start":1281.9751,"end":1287.71,"sentiment":"neutral","sentiment_score":0.1084141170277315},{"text":"I mean, if I was 50, I would be probably looking at maybe decreasing my allocation to growth assets a little bit, not a lot because I still would have ten years on my side to be able to withstand the market fluctuations.","start":1288.73,"end":1305.865,"sentiment":"neutral","sentiment_score":0.07807793468236923},{"text":"But that's just the benefit of having a review.","start":1307.525,"end":1309.765,"sentiment":"neutral","sentiment_score":0.3181247247589959},{"text":"We we do this regularly to make sure that, you know, there's no guarantee to make sure that, you know, there's no guarantee.","start":1309.765,"end":1315.56,"sentiment":"neutral","sentiment_score":-0.013534937053918839}],"sentiment":"neutral","sentiment_score":0.08682315167039632,"num_words":100,"start":1275.175,"end":1315.56},{"sentences":[{"text":"The markets will always react.","start":1315.9401,"end":1317.4601,"sentiment":"neutral","sentiment_score":-0.04633164703845978},{"text":"I'm sure, you know you know, COVID, for example, you saw everything fall through the roof, and there was no value in anything.","start":1317.4601,"end":1325.48,"sentiment":"neutral","sentiment_score":-0.17211940746916377},{"text":"So it's really about your comfort.","start":1327.755,"end":1332.095,"sentiment":"neutral","sentiment_score":0.03346868852774302},{"text":"Alright.","start":1344.33,"end":1344.73,"sentiment":"neutral","sentiment_score":0.0633239597082138},{"text":"Well, we can have a look at a high growth portfolio for you.","start":1344.73,"end":1348.03,"sentiment":"neutral","sentiment_score":0.08773024036334111}],"sentiment":"neutral","sentiment_score":-0.058036987320519984,"num_words":48,"start":1315.9401,"end":1348.03},{"sentences":[{"text":"What I'm yes.","start":1349.9299,"end":1351.69,"sentiment":"neutral","sentiment_score":0.0670878067612648},{"text":"I'm in a high growth portfolio.","start":1351.69,"end":1353.695,"sentiment":"neutral","sentiment_score":0.07014930434525013},{"text":"Yeah.","start":1353.995,"end":1354.495,"sentiment":"neutral","sentiment_score":0.08648724853992462},{"text":"Alright.","start":1357.515,"end":1357.995,"sentiment":"neutral","sentiment_score":0.11475841701030733},{"text":"So when you have a chance, you when you see your emails, you're gonna see APAC.","start":1357.995,"end":1362.255,"sentiment":"neutral","sentiment_score":0.09971786756068468}],"sentiment":"neutral","sentiment_score":0.08958854788431415,"num_words":27,"start":1349.9299,"end":1362.255},{"sentences":[{"text":"I'll quickly run through what they are.","start":1363.355,"end":1365.3,"sentiment":"neutral","sentiment_score":0.11384367623499461},{"text":"It's the first page is a summary just letting you know what your super's at.","start":1365.4601,"end":1369.22,"sentiment":"neutral","sentiment_score":0.14097264607747395},{"text":"It's currently just shot it's you're with Hub twenty four, and it's at a $149,149.","start":1369.22,"end":1377.0801,"sentiment":"neutral","sentiment_score":0.08050084859132767},{"text":"Are you happy with Hubs so far and no issues?","start":1379.1849,"end":1382.085,"sentiment":"neutral","sentiment_score":0.2372339501976967},{"text":"Yeah.","start":1385.265,"end":1385.765,"sentiment":"neutral","sentiment_score":0.28748583793640137}],"sentiment":"neutral","sentiment_score":0.1412256977831324,"num_words":48,"start":1363.355,"end":1385.765},{"sentences":[{"text":"Fantastic.","start":1385.905,"end":1386.405,"sentiment":"positive","sentiment_score":0.5621028542518616},{"text":"And your ClearView insurance policy.","start":1387.1849,"end":1389.345,"sentiment":"neutral","sentiment_score":0.32697092890739443},{"text":"So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month.","start":1389.345,"end":1405.6799,"sentiment":"neutral","sentiment_score":0.17864153175442307},{"text":"Now I'm just gonna do a quick calculation.","start":1406.22,"end":1409.8949,"sentiment":"neutral","sentiment_score":0.034065247513353825},{"text":"Oh my gosh.","start":1411.715,"end":1412.595,"sentiment":"neutral","sentiment_score":-0.11287313451369603}],"sentiment":"neutral","sentiment_score":0.15804957801645453,"num_words":44,"start":1385.905,"end":1412.595},{"sentences":[{"text":"I can't type today.","start":1412.595,"end":1413.815,"sentiment":"neutral","sentiment_score":-0.23201934248209},{"text":"Sorry.","start":1414.5149,"end":1415.0149,"sentiment":"neutral","sentiment_score":-0.21745769679546356},{"text":"I think you might be just a bit short on your income protection, some insured.","start":1424.45,"end":1430.95,"sentiment":"neutral","sentiment_score":-0.2326212465763092},{"text":"So you're insured for $5,028 a month.","start":1431.5951,"end":1435.4551,"sentiment":"neutral","sentiment_score":-0.04656237283987658},{"text":"But based on your income of $1.50, your some insured should sit somewhere between should sit something more like 8,750 a month.","start":1436.635,"end":1449.71,"sentiment":"neutral","sentiment_score":-0.005689070983366532}],"sentiment":"neutral","sentiment_score":-0.10379489667105432,"num_words":49,"start":1412.595,"end":1449.71},{"sentences":[{"text":"I'm not sure if that's something that you wanna review.","start":1451.5299,"end":1454.11,"sentiment":"neutral","sentiment_score":-0.17478050664067268},{"text":"It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen.","start":1456.2351,"end":1465.295,"sentiment":"neutral","sentiment_score":-0.1736574684354392},{"text":"The same would need to occur for any increase.","start":1466.9551,"end":1469.675,"sentiment":"neutral","sentiment_score":-0.20281175275643668},{"text":"So your existing cover remains unchanged, but the increase would need to go through underwriting.","start":1469.675,"end":1476.45,"sentiment":"neutral","sentiment_score":-0.27179759442806245},{"text":"Basically, I think you need to consider if you were unable to work due to injury or illness, would $5,028 a month meet all the expenses you need, or do we need to look at increasing that?","start":1477.63,"end":1491.225,"sentiment":"neutral","sentiment_score":-0.23254344592223297}],"sentiment":"neutral","sentiment_score":-0.21585641464879435,"num_words":93,"start":1451.5299,"end":1491.225},{"sentences":[{"text":"Yeah.","start":1494.085,"end":1494.565,"sentiment":"neutral","sentiment_score":-0.021204154938459396},{"text":"Okay.","start":1494.565,"end":1495.065,"sentiment":"neutral","sentiment_score":-0.018129190430045128},{"text":"I'm gonna have a look into that.","start":1495.445,"end":1497.125,"sentiment":"neutral","sentiment_score":-0.007781643952642167},{"text":"So that's part of my homework.","start":1497.125,"end":1502.65,"sentiment":"neutral","sentiment_score":0.006694778644790252},{"text":"Yeah.","start":1502.7899,"end":1503.2899,"sentiment":"neutral","sentiment_score":0.008026257157325745}],"sentiment":"neutral","sentiment_score":-0.002850620250683278,"num_words":16,"start":1494.085,"end":1503.2899},{"sentences":[{"text":"Yep.","start":1503.99,"end":1504.49,"sentiment":"neutral","sentiment_score":0.010942201130092144},{"text":"Okay.","start":1504.5499,"end":1505.0499,"sentiment":"neutral","sentiment_score":0.026664869859814644},{"text":"Yeah.","start":1505.9099,"end":1506.4099,"sentiment":"neutral","sentiment_score":0.0241814237087965},{"text":"So with income protection, you can only insure up to 70% of your your taxable income.","start":1506.47,"end":1511.45,"sentiment":"neutral","sentiment_score":0.024735959712415934},{"text":"So the sitting it's on on one fifty, we're sitting at 8,750 a month.","start":1515.5651,"end":1520.9451,"sentiment":"neutral","sentiment_score":0.005110210206891809}],"sentiment":"neutral","sentiment_score":0.016033539181631622,"num_words":33,"start":1503.99,"end":1520.9451},{"sentences":[{"text":"If you could double check what your actual annual income is, that would be helpful.","start":1521.9651,"end":1527.9199,"sentiment":"neutral","sentiment_score":0.0685240720709165},{"text":"I can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you?","start":1527.9199,"end":1539.46,"sentiment":"neutral","sentiment_score":0.0674511818215251},{"text":"The next document in the pack is your performance with hub twenty four.","start":1542.0149,"end":1545.695,"sentiment":"neutral","sentiment_score":-0.12079907380617581},{"text":"So the last twelve months, we've seen a significant negative return with one fund, which I have highlighted to talk to you about about looking at options to replace.","start":1545.695,"end":1561.8501,"sentiment":"negative","sentiment_score":-0.369632125414651},{"text":"So it's the Bennelong Australian Equities Fund.","start":1562.39,"end":1564.7101,"sentiment":"neutral","sentiment_score":-0.2200763991900853}],"sentiment":"neutral","sentiment_score":-0.11862782846488383,"num_words":92,"start":1521.9651,"end":1564.7101},{"sentences":[{"text":"It it ran at a loss at 14% this last twelve months.","start":1564.7101,"end":1569.13,"sentiment":"negative","sentiment_score":-0.49182015905777615},{"text":"Not great.","start":1569.8301,"end":1570.65,"sentiment":"negative","sentiment_score":-0.4506434053182602},{"text":"The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example.","start":1572.835,"end":1588.29,"sentiment":"negative","sentiment_score":-0.33896907336182064},{"text":"Their mandate is that they look for funds in the Australian market that they feel are undervalued and have room for significant growth.","start":1588.8301,"end":1597.5449,"sentiment":"negative","sentiment_score":-0.35420546713082685},{"text":"Now sorry?","start":1597.5449,"end":1602.345,"sentiment":"negative","sentiment_score":-0.3366747796535492}],"sentiment":"negative","sentiment_score":-0.3710145421822866,"num_words":75,"start":1564.7101,"end":1602.345},{"sentences":[{"text":"Yes.","start":1602.345,"end":1602.845,"sentiment":"neutral","sentiment_score":-0.078065887093544},{"text":"A 100.","start":1603.225,"end":1604.125,"sentiment":"neutral","sentiment_score":-0.09590322896838188},{"text":"So part of another part of my homework is is that I'm gonna look at alternative options for you to get rid of them.","start":1604.345,"end":1610.46,"sentiment":"neutral","sentiment_score":-0.18000788521021605},{"text":"The other one in your funds that I wanna look at replacing is the beta bank hybrid.","start":1610.92,"end":1616.0599,"sentiment":"neutral","sentiment_score":0.048815435127300376},{"text":"So that's your bank hybrid investments.","start":1616.12,"end":1618.22,"sentiment":"neutral","sentiment_score":0.15830483163396517}],"sentiment":"neutral","sentiment_score":-0.05620740406215191,"num_words":50,"start":1602.345,"end":1618.22},{"sentences":[{"text":"They're they've performed fine.","start":1619.16,"end":1621.0,"sentiment":"positive","sentiment_score":0.5216628238558769},{"text":"I mean, it's a defensive asset.","start":1621.0,"end":1622.4092,"sentiment":"positive","sentiment_score":0.352223018805186},{"text":"The return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest product.","start":1622.4092,"end":1629.545,"sentiment":"neutral","sentiment_score":0.20290552576382956},{"text":"But what's happening with the the banking system in Australia at the moment is hybrids are gonna be phased out.","start":1629.925,"end":1636.885,"sentiment":"neutral","sentiment_score":-0.09801145074889064},{"text":"So by January 2027, they're no longer gonna exist.","start":1636.885,"end":1640.12,"sentiment":"neutral","sentiment_score":-0.13468895273076165}],"sentiment":"neutral","sentiment_score":0.09360781646082325,"num_words":63,"start":1619.16,"end":1640.12},{"sentences":[{"text":"So I wanna look at being a little bit more proactive and see you know, not wait till they're phased out and replace them then.","start":1640.6599,"end":1648.9199,"sentiment":"neutral","sentiment_score":-0.03271966069936752},{"text":"I'd rather look and see if we can get a little bit ahead.","start":1649.14,"end":1652.625,"sentiment":"neutral","sentiment_score":0.03096849650431138},{"text":"You know, there's I don't know if they're gonna drop in value or anything like that, but I think it I'd rather be proactive with our approach to that.","start":1652.8451,"end":1659.885,"sentiment":"neutral","sentiment_score":-0.02589399412531277},{"text":"So if you're happy with that, I'd like to look at reviewing both of those.","start":1659.885,"end":1663.5851,"sentiment":"neutral","sentiment_score":0.076292618115743},{"text":"Yep.","start":1665.165,"end":1665.665,"sentiment":"neutral","sentiment_score":0.14911922812461853}],"sentiment":"neutral","sentiment_score":0.0015323085216693132,"num_words":83,"start":1640.6599,"end":1665.665},{"sentences":[{"text":"And the rest of your portfolio has performed really well.","start":1665.95,"end":1668.59,"sentiment":"positive","sentiment_score":0.4110944300889969},{"text":"You've got exposure to global cyber, your battery tech and lithium, which have all performed about 3332%.","start":1668.59,"end":1684.255,"sentiment":"neutral","sentiment_score":0.2093440706239027},{"text":"These are your satellite what we call satellite investments.","start":1685.995,"end":1689.275,"sentiment":"neutral","sentiment_score":0.2045839097764757},{"text":"So they're niche type sectors.","start":1689.275,"end":1692.655,"sentiment":"neutral","sentiment_score":0.13797795474529267},{"text":"You don't have huge exposure to those amounts or those those funds, let's call them, but their performance has been pretty good.","start":1693.275,"end":1704.5499,"sentiment":"neutral","sentiment_score":0.1867315535518256}],"sentiment":"neutral","sentiment_score":0.2271275022436702,"num_words":63,"start":1665.95,"end":1704.5499},{"sentences":[{"text":"And, additionally, you've got your international exposure across America, Asia, Europe, and some global so some global health.","start":1704.5499,"end":1713.625,"sentiment":"neutral","sentiment_score":0.21274085425668293},{"text":"So you've got a pretty good good exposure there to your growth assets.","start":1713.625,"end":1719.7251,"sentiment":"neutral","sentiment_score":0.2606196002318309},{"text":"So the twelve month return altogether was only 2.41%, which is not great.","start":1721.625,"end":1728.5,"sentiment":"neutral","sentiment_score":-0.11018762909449063},{"text":"But in the next we've also included the six month one for you.","start":1728.96,"end":1733.84,"sentiment":"neutral","sentiment_score":0.08259422618609208},{"text":"So for the last six months, you'll see that it's starting to bounce back, and we're sitting at 4.56%.","start":1733.84,"end":1740.645,"sentiment":"neutral","sentiment_score":0.2922179895012002}],"sentiment":"neutral","sentiment_score":0.16330023345194364,"num_words":76,"start":1704.5499,"end":1740.645},{"sentences":[{"text":"So we're on target to hitting that gross return in the next twelve months.","start":1740.645,"end":1747.225,"sentiment":"neutral","sentiment_score":0.3006985871387379},{"text":"Yep.","start":1747.68,"end":1748.18,"sentiment":"neutral","sentiment_score":0.04428458213806152},{"text":"About the what?","start":1758.3201,"end":1759.04,"sentiment":"neutral","sentiment_score":-0.02500169662137826},{"text":"Sorry.","start":1759.04,"end":1759.54,"sentiment":"neutral","sentiment_score":-0.13395699858665466},{"text":"I haven't heard anything.","start":1764.095,"end":1765.2949,"sentiment":"neutral","sentiment_score":-0.11415576934814453}],"sentiment":"neutral","sentiment_score":0.1560208537494359,"num_words":23,"start":1740.645,"end":1765.2949},{"sentences":[{"text":"I can have a look and have a do a bit of research on it.","start":1765.2949,"end":1770.0149,"sentiment":"neutral","sentiment_score":-0.041157500942548116},{"text":"Definitely.","start":1770.0149,"end":1770.5149,"sentiment":"neutral","sentiment_score":0.12212252616882324},{"text":"No.","start":1775.79,"end":1776.29,"sentiment":"neutral","sentiment_score":-0.14301930367946625},{"text":"No.","start":1776.51,"end":1777.01,"sentiment":"neutral","sentiment_score":-0.13280807435512543},{"text":"You yeah.","start":1777.39,"end":1783.55,"sentiment":"neutral","sentiment_score":-0.07430822402238846}],"sentiment":"neutral","sentiment_score":-0.04598419070243835,"num_words":20,"start":1765.2949,"end":1783.55},{"sentences":[{"text":"I can okay.","start":1783.55,"end":1785.41,"sentiment":"neutral","sentiment_score":0.06219316025575002},{"text":"Alright.","start":1785.87,"end":1786.27,"sentiment":"neutral","sentiment_score":0.14588648080825806},{"text":"I'll do a little bit of research and see what we can find.","start":1786.27,"end":1789.0901,"sentiment":"neutral","sentiment_score":0.16187661714278734},{"text":"Okay.","start":1792.045,"end":1792.545,"sentiment":"neutral","sentiment_score":0.04657672345638275},{"text":"Okay.","start":1795.725,"end":1796.225,"sentiment":"neutral","sentiment_score":0.04626480117440224}],"sentiment":"neutral","sentiment_score":0.1331422899506594,"num_words":19,"start":1783.55,"end":1796.225},{"sentences":[{"text":"Yep.","start":1799.725,"end":1800.225,"sentiment":"neutral","sentiment_score":0.05632948502898216},{"text":"So, like, the lithium and all those sorts of things?","start":1801.805,"end":1808.8301,"sentiment":"neutral","sentiment_score":0.015673637762665747},{"text":"Yeah.","start":1809.05,"end":1809.55,"sentiment":"neutral","sentiment_score":0.045236311852931976},{"text":"The next level are okay.","start":1809.6901,"end":1812.43,"sentiment":"neutral","sentiment_score":0.0635862335562706},{"text":"Okay.","start":1821.8049,"end":1822.3049,"sentiment":"neutral","sentiment_score":0.04608197882771492}],"sentiment":"neutral","sentiment_score":0.03457307339542442,"num_words":18,"start":1799.725,"end":1822.3049},{"sentences":[{"text":"Alright.","start":1822.365,"end":1822.765,"sentiment":"neutral","sentiment_score":0.09651120007038116},{"text":"I can have a look at that and do a little bit of research as part of what we're looking at for sure.","start":1822.765,"end":1827.585,"sentiment":"neutral","sentiment_score":0.08662674252105795},{"text":"The next document is just the Vanguard index chart.","start":1831.6449,"end":1834.83,"sentiment":"neutral","sentiment_score":0.1171648974219958},{"text":"So it's a visual.","start":1834.9099,"end":1835.73,"sentiment":"neutral","sentiment_score":0.10355721786618233},{"text":"It just explains to you it's a visual basically that shows how the different sectors react.","start":1835.7899,"end":1841.07,"sentiment":"neutral","sentiment_score":0.10935946647077799}],"sentiment":"neutral","sentiment_score":0.10013944697829913,"num_words":53,"start":1822.365,"end":1841.07},{"sentences":[{"text":"So US shares, Australian shares, international shares.","start":1841.07,"end":1844.21,"sentiment":"neutral","sentiment_score":0.06050964178783553},{"text":"So the top four in that are your growth assets.","start":1844.75,"end":1847.4099,"sentiment":"neutral","sentiment_score":0.09930914342403412},{"text":"So that's where 80% of your your portfolio is invested.","start":1847.47,"end":1851.355,"sentiment":"neutral","sentiment_score":0.10169012024998665},{"text":"If we go to a higher high growth, it's gonna be about 90% invested in those top four with the remaining invested in bonds and cash.","start":1851.815,"end":1860.955,"sentiment":"neutral","sentiment_score":0.07282470625180465},{"text":"Your we've talked about income protection.","start":1864.62,"end":1867.2,"sentiment":"neutral","sentiment_score":0.041674780348936714}],"sentiment":"neutral","sentiment_score":0.07757713854060334,"num_words":59,"start":1841.07,"end":1867.2},{"sentences":[{"text":"Your life insurance is sitting at a million 149,123.","start":1867.34,"end":1873.6,"sentiment":"neutral","sentiment_score":0.03113370140393575},{"text":"Now if we look at your debts, it's looking like it would just cover the debt.","start":1874.1399,"end":1881.0349,"sentiment":"neutral","sentiment_score":-0.002916310797445476},{"text":"Is is that something you're comfortable with, or did you wanna cover did you wanna look at increasing those insurance pre those insurance levels?","start":1881.335,"end":1891.195,"sentiment":"neutral","sentiment_score":-0.03872046887408942},{"text":"Yep.","start":1896.42,"end":1896.92,"sentiment":"neutral","sentiment_score":0.2986680865287781},{"text":"Beautiful.","start":1896.98,"end":1897.46,"sentiment":"positive","sentiment_score":0.6152600646018982}],"sentiment":"neutral","sentiment_score":0.004278024275074987,"num_words":51,"start":1867.34,"end":1897.46},{"sentences":[{"text":"That's absolutely fine.","start":1897.46,"end":1899.0,"sentiment":"positive","sentiment_score":0.5619755983352661},{"text":"Because there are asset if the debts were paid, there's obviously assets there for Lisa and Mackenzie.","start":1899.0599,"end":1904.44,"sentiment":"neutral","sentiment_score":0.1955795340678271},{"text":"So, yeah, it's as long as it's something that you're comfortable with, there's no issues there.","start":1904.82,"end":1912.405,"sentiment":"positive","sentiment_score":0.3744110278785229},{"text":"It's just about what you're wanting to achieve and how what as long as it's that's appropriate for Lisa and Mackenzie.","start":1912.625,"end":1921.3301,"sentiment":"positive","sentiment_score":0.3756820204712096},{"text":"The next document is your our financial services guide.","start":1924.27,"end":1927.31,"sentiment":"neutral","sentiment_score":0.11782323155138227}],"sentiment":"neutral","sentiment_score":0.3022891944556525,"num_words":66,"start":1897.46,"end":1927.31},{"sentences":[{"text":"It's in the pack.","start":1927.31,"end":1928.43,"sentiment":"neutral","sentiment_score":0.11973746120929718},{"text":"It's available on the website.","start":1928.43,"end":1929.89,"sentiment":"neutral","sentiment_score":0.10465239584445954},{"text":"It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it.","start":1930.27,"end":1939.675,"sentiment":"neutral","sentiment_score":0.08072497355549232},{"text":"And if you don't like us, how you can make a complaint.","start":1940.615,"end":1942.955,"sentiment":"neutral","sentiment_score":-0.11386595573276281},{"text":"Beautiful.","start":1947.255,"end":1947.755,"sentiment":"neutral","sentiment_score":0.21835432946681976}],"sentiment":"neutral","sentiment_score":0.03801886836687724,"num_words":45,"start":1927.31,"end":1947.755},{"sentences":[{"text":"And there's and the last two documents do require your electronic signature.","start":1948.4299,"end":1952.59,"sentiment":"neutral","sentiment_score":0.029528350103646517},{"text":"So as you go through these documents when you get a chance, you'll be able to sign them electronically.","start":1952.59,"end":1956.9299,"sentiment":"neutral","sentiment_score":0.055604114442279466},{"text":"The the one of the documents is the ongoing adviser fee.","start":1958.4299,"end":1964.775,"sentiment":"neutral","sentiment_score":-0.00017948905852707982},{"text":"So that's the fee that we charge you from your hub twenty four account.","start":1964.775,"end":1968.555,"sentiment":"neutral","sentiment_score":0.014636876992881298},{"text":"That fee sits at $215.33 per month.","start":1969.415,"end":1974.795,"sentiment":"neutral","sentiment_score":0.01070253284914153}],"sentiment":"neutral","sentiment_score":0.0268044127594857,"num_words":63,"start":1948.4299,"end":1974.795},{"sentences":[{"text":"Now that covers you for your annual reviews, us to take care of your superannuation, make any changes when we need to.","start":1975.175,"end":1982.07,"sentiment":"neutral","sentiment_score":0.09074159982529553},{"text":"But it also doesn't what some people don't probably realize is is that you're not just limited to one annual review.","start":1982.37,"end":1989.97,"sentiment":"neutral","sentiment_score":0.02355845015318621},{"text":"If you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email.","start":1989.97,"end":1995.6749,"sentiment":"neutral","sentiment_score":0.08034863420154738},{"text":"We're here to help regardless.","start":1995.6749,"end":1998.415,"sentiment":"neutral","sentiment_score":0.28214046359062195},{"text":"That's what your fee covers.","start":1998.475,"end":2000.575,"sentiment":"neutral","sentiment_score":0.13789555430412292}],"sentiment":"neutral","sentiment_score":0.08472685954582534,"num_words":76,"start":1975.175,"end":2000.575},{"sentences":[{"text":"So if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back.","start":2001.355,"end":2012.07,"sentiment":"neutral","sentiment_score":0.12561944390044494},{"text":"Any questions about fees?","start":2012.69,"end":2014.3099,"sentiment":"neutral","sentiment_score":-0.003797640558332205},{"text":"No.","start":2016.45,"end":2016.95,"sentiment":"neutral","sentiment_score":-0.06070021539926529},{"text":"Beautiful.","start":2017.33,"end":2017.83,"sentiment":"positive","sentiment_score":0.3620462715625763},{"text":"And then the last document in your pack is your tax file number authority.","start":2018.21,"end":2022.87,"sentiment":"neutral","sentiment_score":0.09817028923758439}],"sentiment":"neutral","sentiment_score":0.10984445621983872,"num_words":54,"start":2001.355,"end":2022.87},{"sentences":[{"text":"So we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it.","start":2023.01,"end":2033.755,"sentiment":"neutral","sentiment_score":0.09225579383117812},{"text":"Now to ensure that, you know, we meet privacy rules, we just ask because we hold it on file that you acknowledge that you're okay with us doing that.","start":2034.135,"end":2045.35,"sentiment":"neutral","sentiment_score":0.08814462248621316},{"text":"So by signing that form, that's that's just you saying, yeah.","start":2045.35,"end":2049.3499,"sentiment":"neutral","sentiment_score":0.1314277696338567},{"text":"That's fine.","start":2049.3499,"end":2049.99,"sentiment":"neutral","sentiment_score":0.1339087374508381},{"text":"No worries at all.","start":2049.99,"end":2051.21,"sentiment":"neutral","sentiment_score":0.08517863042652607}],"sentiment":"neutral","sentiment_score":0.09678252220705703,"num_words":81,"start":2023.01,"end":2051.21},{"sentences":[{"text":"Beautiful.","start":2053.75,"end":2054.25,"sentiment":"positive","sentiment_score":0.5086559057235718},{"text":"The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination.","start":2055.435,"end":2063.855,"sentiment":"neutral","sentiment_score":-0.002828566421722544},{"text":"Now, yes, we need to get that set up.","start":2064.955,"end":2069.5598,"sentiment":"neutral","sentiment_score":-0.004981273785233498},{"text":"So would that go to Lisa?","start":2069.5598,"end":2073.66,"sentiment":"neutral","sentiment_score":-0.007944433639446894},{"text":"Yep.","start":2077.16,"end":2077.66,"sentiment":"neutral","sentiment_score":0.007512138225138187}],"sentiment":"neutral","sentiment_score":0.007426990256847247,"num_words":46,"start":2053.75,"end":2077.66},{"sentences":[{"text":"Now I wanna make sure I have the spelling of Lisa's name right.","start":2077.72,"end":2080.8398,"sentiment":"neutral","sentiment_score":-0.0007239300757646561},{"text":"Is it l e s a?","start":2080.8398,"end":2082.695,"sentiment":"neutral","sentiment_score":0.000014187011402100325},{"text":"Beautiful.","start":2083.955,"end":2084.455,"sentiment":"neutral","sentiment_score":0.198625385761261},{"text":"And same surname as yourself?","start":2084.595,"end":2086.2952,"sentiment":"neutral","sentiment_score":0.07435245737433434},{"text":"Yep.","start":2088.195,"end":2088.695,"sentiment":"neutral","sentiment_score":0.03129855543375015}],"sentiment":"neutral","sentiment_score":0.02278308689039057,"num_words":26,"start":2077.72,"end":2088.695},{"sentences":[{"text":"J a y.","start":2091.155,"end":2092.455,"sentiment":"neutral","sentiment_score":0.010687354952096939},{"text":"And what's her date of birth?","start":2093.7952,"end":2095.65,"sentiment":"neutral","sentiment_score":0.011237009583661953},{"text":"Have I got you?","start":2098.2898,"end":2099.3499,"sentiment":"neutral","sentiment_score":0.013546908972784877},{"text":"Eighty two.","start":2105.97,"end":2106.7898,"sentiment":"neutral","sentiment_score":0.011947740335017443},{"text":"So what we'll do is we can prefill that and send it to you.","start":2113.065,"end":2117.165,"sentiment":"neutral","sentiment_score":0.05712905286678246}],"sentiment":"neutral","sentiment_score":0.033702551001875566,"num_words":29,"start":2091.155,"end":2117.165},{"sentences":[{"text":"It does need to be signed, so wet signature.","start":2118.105,"end":2121.085,"sentiment":"neutral","sentiment_score":0.019735954701900482},{"text":"Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it?","start":2121.865,"end":2128.69,"sentiment":"neutral","sentiment_score":0.0412032100586937},{"text":"Beautiful.","start":2133.79,"end":2134.29,"sentiment":"positive","sentiment_score":0.6267445683479309},{"text":"Fantastic.","start":2134.51,"end":2135.01,"sentiment":"positive","sentiment_score":0.6530853509902954},{"text":"I'll get that arranged.","start":2135.63,"end":2136.765,"sentiment":"positive","sentiment_score":0.42365264147520065}],"sentiment":"neutral","sentiment_score":0.10300847656297975,"num_words":41,"start":2118.105,"end":2136.765},{"sentences":[{"text":"And the only other question is to allow me to prefill it so there's no extra admin for yourself.","start":2137.6448,"end":2143.565,"sentiment":"neutral","sentiment_score":0.0909223185950204},{"text":"There's two types of nominations.","start":2143.565,"end":2145.4248,"sentiment":"neutral","sentiment_score":0.023285569995641707},{"text":"They're both binding, which means the trustee is bound by your decision.","start":2146.2048,"end":2151.505,"sentiment":"neutral","sentiment_score":0.05845982596899072},{"text":"One lapses and one doesn't lapse.","start":2152.0598,"end":2154.7,"sentiment":"neutral","sentiment_score":-0.002205208564798037},{"text":"So every three years, you have to renew it.","start":2154.7,"end":2158.0,"sentiment":"neutral","sentiment_score":-0.007866352511983778}],"sentiment":"neutral","sentiment_score":0.048263556684604754,"num_words":51,"start":2137.6448,"end":2158.0},{"sentences":[{"text":"The non lapsing one is it's only changed when you fill out a new beneficiary form.","start":2158.22,"end":2163.5,"sentiment":"neutral","sentiment_score":-0.02901827555615455},{"text":"So what would be your do you have any questions for me?","start":2163.5,"end":2176.9507,"sentiment":"neutral","sentiment_score":-0.0037922775372862816},{"text":"Do you have any questions for me?","start":2179.8298,"end":2181.93,"sentiment":"neutral","sentiment_score":0.00577507254534534},{"text":"Beautiful.","start":2185.8298,"end":2186.3298,"sentiment":"positive","sentiment_score":0.5172587633132935},{"text":"So what I'm gonna do from here is I'm gonna shoot you an email with those couple of details that I do need from you, And then I'm going to start researching some options to look at replacements on those funds and some other little bits.","start":2186.5498,"end":2202.485,"sentiment":"neutral","sentiment_score":0.07824252537735131}],"sentiment":"neutral","sentiment_score":0.0444761060871093,"num_words":82,"start":2158.22,"end":2202.485},{"sentences":[{"text":"That process will take me about two weeks.","start":2204.625,"end":2207.125,"sentiment":"neutral","sentiment_score":0.037489655427634716},{"text":"So in about two weeks, you'll hear from the team just to book in another appointment to go through those recommended changes.","start":2207.88,"end":2214.7,"sentiment":"neutral","sentiment_score":0.04665818547999317},{"text":"And the only thing that may delay that is just getting your annual income confirmed so I can look at the income protection.","start":2215.48,"end":2223.9648,"sentiment":"neutral","sentiment_score":-0.010635041510281355},{"text":"So it maybe say two to three weeks at the at worst.","start":2224.6648,"end":2228.6848,"sentiment":"neutral","sentiment_score":-0.0871250038035214},{"text":"But did you wanna look at replacing your insurance company, or are you happy with Clear View?","start":2229.2249,"end":2237.98,"sentiment":"neutral","sentiment_score":-0.01364659397479366}],"sentiment":"neutral","sentiment_score":-0.002386594804503569,"num_words":82,"start":2204.625,"end":2237.98},{"sentences":[{"text":"Yep.","start":2239.48,"end":2239.98,"sentiment":"neutral","sentiment_score":0.06707863509654999},{"text":"Alright.","start":2240.28,"end":2240.78,"sentiment":"neutral","sentiment_score":0.14084984362125397},{"text":"Fantastic.","start":2240.84,"end":2241.34,"sentiment":"positive","sentiment_score":0.5206094980239868},{"text":"Alright.","start":2241.8801,"end":2242.2,"sentiment":"positive","sentiment_score":0.3584163188934326},{"text":"Well, I'll get to work on the things I need to do.","start":2242.2,"end":2244.7,"sentiment":"positive","sentiment_score":0.41040398677190143}],"sentiment":"positive","sentiment_score":0.37573763355612755,"num_words":16,"start":2239.48,"end":2244.7},{"sentences":[{"text":"And if you can send me through the other information when I send you an email, that would be fantastic.","start":2244.84,"end":2249.66,"sentiment":"positive","sentiment_score":0.44297794103622434},{"text":"And I I'll definitely be in contact to go over the the new advice with you when it's available.","start":2250.5452,"end":2259.205,"sentiment":"neutral","sentiment_score":0.30187150208573593},{"text":"Beautiful.","start":2265.5051,"end":2265.87,"sentiment":"positive","sentiment_score":0.4105100631713867},{"text":"Thanks so much, Darren.","start":2266.03,"end":2267.07,"sentiment":"positive","sentiment_score":0.58058150857687},{"text":"I hope you have a lovely evening.","start":2267.07,"end":2268.85,"sentiment":"positive","sentiment_score":0.3334829317671912}],"sentiment":"positive","sentiment_score":0.38553596039613086,"num_words":51,"start":2244.84,"end":2268.85},{"sentences":[{"text":"And if you need anything, give me a buzz.","start":2269.2302,"end":2272.1301,"sentiment":"neutral","sentiment_score":0.023543870800899133},{"text":"Tonight, I might.","start":2275.31,"end":2279.09,"sentiment":"neutral","sentiment_score":-0.036432433407753706},{"text":"It depends.","start":2279.225,"end":2279.965,"sentiment":"neutral","sentiment_score":-0.040589749813079834},{"text":"Oh, is it?","start":2282.105,"end":2282.665,"sentiment":"neutral","sentiment_score":0.00520080141723156},{"text":"Okay.","start":2282.665,"end":2283.165,"sentiment":"neutral","sentiment_score":0.0010232655331492424}],"sentiment":"neutral","sentiment_score":0.002113539285750853,"num_words":18,"start":2269.2302,"end":2283.165},{"sentences":[{"text":"I might.","start":2283.385,"end":2283.785,"sentiment":"neutral","sentiment_score":-0.006952139548957349},{"text":"It depends what time I can get my son to bed.","start":2283.785,"end":2285.785,"sentiment":"neutral","sentiment_score":0.02166800945997238},{"text":"Otherwise, he'll wanna sit up and watch it.","start":2285.785,"end":2288.205,"sentiment":"neutral","sentiment_score":0.04812217457219958},{"text":"And then it's a let's call it a headache tomorrow morning.","start":2288.425,"end":2293.98,"sentiment":"neutral","sentiment_score":0.011291016739877787},{"text":"Yeah.","start":2293.98,"end":2294.22,"sentiment":"neutral","sentiment_score":0.01163097657263279}],"sentiment":"neutral","sentiment_score":0.022583435825777775,"num_words":33,"start":2283.385,"end":2294.22},{"sentences":[{"text":"I was gonna say that.","start":2294.22,"end":2295.4202,"sentiment":"neutral","sentiment_score":-0.028897849097847938},{"text":"I was gonna say that.","start":2295.4202,"end":2297.12,"sentiment":"neutral","sentiment_score":-0.029341261461377145},{"text":"Beautiful.","start":2300.1401,"end":2300.6401,"sentiment":"positive","sentiment_score":0.7297107577323914},{"text":"Alright.","start":2301.1028,"end":2301.3428,"sentiment":"positive","sentiment_score":0.5274100303649902},{"text":"Well, you enjoy the footy then, and I'll speak to you in a couple of weeks.","start":2301.3428,"end":2305.3628,"sentiment":"positive","sentiment_score":0.43242999259382486}],"sentiment":"neutral","sentiment_score":0.2816001827429448,"num_words":28,"start":2294.22,"end":2305.3628},{"sentences":[{"text":"Thanks, Darren.","start":2307.6628,"end":2308.563,"sentiment":"positive","sentiment_score":0.6952005922794342},{"text":"Bye.","start":2308.8628,"end":2309.3628,"sentiment":"positive","sentiment_score":0.4089481830596924},{"text":"Bye.","start":2310.223,"end":2310.723,"sentiment":"neutral","sentiment_score":-0.12575145065784454}],"sentiment":"positive","sentiment_score":0.41839947924017906,"num_words":4,"start":2307.6628,"end":2310.723}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. Yourself? Yeah. Yeah. That's all good. Yeah. Yeah. The second eighty four. Sorry. Dial McElroy in the second eighty four. Paul Reddy Street, 4 Gara. 6714. Yeah. So far, I would like yeah. Can can know what about those? Yeah. Yeah. Yeah. Yeah. No. But not at the minute. Yeah. Yeah. Yeah. I am, sweet. Yeah. Yeah. That's all good. Yeah. It's still marked. Yes. No. I don't know. No. I can't get rid of that one altogether. Yeah. Dodge Masc, d a zed m a c. Nineteen eighty four m a c. A a for alpha, m a c like Mark. A a c like air conditioner. AC. So it should be d a zed m a c. Yep. Oh, sorry. It's me off set. I just told you. Yep. At Gmail dot com. I'm sorry. Yeah. Number 4 Registry here. 2 I'm on the phone. Oh, fuck. Hold on. Sorry. 2 seconds. I thought that. 5. Yeah. Yeah. Yep. Yeah. That's the one. Yeah. Yeah. Yeah. Yep. Yep. Seven. Mackenzie is my daughter. Seven. Oh, she can't be. Yeah. I manage at branch, but yeah. At the minute. Yeah. Yeah. Lawrence and Hanson. So it's like electrical oil seal. Full time. Yeah. Stop. Your page No. My income what's my income now roughly? Roughly? $11.60, $1.50? Yeah. Just just go go $1.50, $1.40, something like that. Yeah. Yeah. I'll be there if I'll see if we'll fluctuate. Yeah. Yeah. Yep. Yeah. It sounds sounds about right. No. Just just want the embarels. Yeah. No. No. Yeah. Sorry? Yeah. No. Yeah. Yeah. Nope. Which which property is this? Yeah. Yeah. Yeah. Yeah. So this is the car offer property or the Baldiver's property? Yeah. We we sold we sold the we sold the Baldivis property, and we bought the Carrutha property. Or we're just on Tuesday. We just we just bought another house on Tuesday in McKay. Yeah. I think we're paid about $7.40 first. Yeah. That's where we're currently in. Yeah. Yeah. I think we're currently we're moving money around. I think it was about 300 something because we saw that our divers probably use the money off that, and then we put extra money on it. So I I think it's sitting around about the $3.50. Yeah. Yeah. Yeah. Yep. Yep. Temporarily. Yeah. Possibly. Yeah. Off to say off to the plan, but we're kinda just keeping it a bit quiet at the moment. We are. $7.50. I'm calling to tell you, because I think we've got money offset not as well. That's probably sitting around this 5 to 6, something they are maybe. Yep. No. That I'm not out. So that that's gone. Yep. Get off. Just I was sitting up there. What do you call it? I'll ship the TVs and all that stuff. Yeah. I saw what I was looking for. Yeah. I've been there for the past sort of sort of accounts here. Just give it a small bit. Yeah. Not not not that I'm aware of. Like, that's still still mobile. Not really. Yes or no? Yeah. I will just leave that as blank. I'm pretty sure I do. It does. The white. Yeah. I've been up for it. Yeah. Yes. I'm pretty sure we've done that a couple of months ago. Yeah. Again, it was just one of them. Yep. Yeah. The bike's sort of thought it was on. Yeah. Yeah. Yeah. Okay. Yeah. Alright. So that'll I'll just basically give her sort of power of our and stuff like that. Yeah. Yeah. Sweet. Sweet. Yeah. Yep. No. Too easy. That's fine. Yep. Yeah. Yeah. Yeah. Definitely. Yeah. Yeah. Yeah. Yeah. That's part of the reason why we're, like, buying, you know, like, doing the rent off the buying, renting, and then yeah. So yeah. So yeah. But then I'll do yeah. But yep. Yep. Yeah. Sort of thing. Yeah. Yeah. I think I've just just got it pretty well under control. Like, we just sat down and done the finances, and we're in a pretty good position. I think we're actually better off now than what we were before. We got the second house. So yeah. Yeah. Yeah. Once we get the once once we get the rent coming in for the property, we'll be laughing. Yeah. No. Yeah. We we just came back from England about three weeks ago. Three and a half week. Yeah. Yeah. Yeah. Well, I mean, if you find these out there, like, in our server, we are trying to get over there once every couple of years at least. Oh, that's. No idea. Yeah. I just see where we're at most of the time, I guess, where I probably really review that at 55 and, yeah, figure out. Yeah. Yeah, guys. Yeah. Nope. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No And I just found it was fine. Yeah. I see. I think it yeah. I've got it. It seems looks like it's gone off, so, you know, it's all good. The bank is offsetting. Yeah. We put well, we we just pretty much put everything on the offsets. Oh, no idea. Yeah. Okay. Well, again, again, that's that's that's like, I couldn't tell you off the top of my head. Like, but, again, that's something that the the missus, she just sorts out a little bit. They are. It's been been been working for the past fourteen years. What kind of investments you got in mind, Nick? Is this is this something is this something that you can is this something you can use using my existing super or, like like, what what I've got there, or would it be, like, an additional okay. Alright. Oh, we've we've we've already got one of them going. She's already registered. Yeah. Yeah. Been laughing. Yeah. I think I think the wife opened the one when she was about 12 old, and just everyone's been chucked in there and it's back out. No. I think that outside of it, I'll just leave how it is because I'll stay like that. Yeah. I'll just kind of leave that to the to the wife to she does all that. Yeah. So I'll just kind of stay with that one. Yep. Yep. Yes. I don't know. What do you reckon? So I I could see see, like, other people that kinda went with the big ones as a paid off label. Like, I can ask this here, like, you know, people in the high risk bracket, if there's a, like, there's a there's a payoff payoff more often than not or, like, what's the I'm not, to be honest with you. Yeah. No. I'll probably just keep it as it is, I guess. Seems to be working alright. Yeah. Yeah. Yeah. So I've I've, like since since I've started with, I've I've definitely got growth now. Yeah. Yeah. So you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or? If if if if it was you, what would you do? Just just stick stick stick us on the same one as you. We'll just go for it. Yeah. Yeah. 100% good. Yeah. Yeah. Yeah. I'm I'm musical on, I guess. Get yeah. Like, honestly, I can if you've got someone that's working for you and you're right, just just yeah. Just whatever you want. Just stick me on the same one. Fuck. Let's give it a go. Yeah. Sweet sweet. That's what you're on? Yeah. Yeah. Yeah. Just stick it stick it on that. Mhmm. Yeah. Any any polyglot? Okay. Nope. Yep. Probably get the increase, I reckon. Yeah. Me me me monthly is quite a bit more than the current monthly. Yeah. Mhmm. Okay. Yeah. So I kinda how come we get rid of them and try someone else's way? Yeah. Yeah. Yeah. Yeah. Yep. Yep. Beautiful. Uh-huh. Beautiful. I was taught I was taught to one of the lads about the shares in graphene. And I forgot to do. You say anything in there, like graphene shares? Graphene shares. Shares in graphene investment in graphene. Yeah. Yeah. Just hoping I've been yeah. You heard of graphene? Yeah. It's it's it's probably coming to the battery tech, but specifically it was off the the graphene itself. Yeah. Very easy. Yeah. So I've something I'll probably look at investing quite a bit if we can get something going with that. Yeah. It's it's it's it's basically the next level. Like, it's sort of it's up from lithium. It's just worth having a look. So it's good. Yeah. G h g r a p h I n e. And then, yeah, check check it out. And what the. Beautiful. Yep. Sweet. Yeah. Yeah. I think for the well, just for the time being, we'll probably just leave that as is. Yep. And we can see. Yep. Yep. Sure, sir. Yeah. I'm not even gonna call on me. I need my boss. Got it. No. That's wrong, really. Yes. Hold on. Yeah. No problem. Alright. Yeah. Yeah. Just a hard stuff. Got this later. Yep. Yeah. Yep. Middle name is Jayne, j a y n e. Yeah. Yeah. 01/20/1982. Yeah. I got it right. It's not that. And I can do it at work, mate. So I can just print it out of work really. Yep. Sweet. Yeah. They would yeah. They're they're the ones that you they're not to keep doing it. No. No. Well, good. Yeah. Spot on. Yeah. Yeah. Yeah. Yeah. Switch. Switch. Yeah. Too easy. Yeah. I need dramas like we are. Yeah. Spot on. Yep. Yeah. I just took everything on the email. Like, you know, exactly what you need, and then I'll sort it over here. Hey, brother. Hey. What's up? Hey. Yeah. So you're watching the forty nine eight later? Yeah. It's pretty old. It was a pretty old pretty old oxen. Yeah. Yeah. Shit. Sure. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's alright. Go for it. Alright, Spotter. Lovely. Alright. Thank you. Catch you, mate. Sure. 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Yeah. Good. Thanks. Yourself?\n\nYeah. Yeah. That's all good. Yeah. Yeah.\n\nThe second eighty four. Sorry. Dial McElroy in the second eighty four. Paul Reddy Street, 4 Gara. 6714.\n\nYeah. So far, I would like yeah. Can can know what about those? Yeah. Yeah.\n\nYeah. Yeah. No. But not at the minute. Yeah.\n\nYeah. Yeah. I am, sweet. Yeah. Yeah.\n\nThat's all good. Yeah. It's still marked. Yes. No.\n\nI don't know. No. I can't get rid of that one altogether. Yeah. Dodge Masc, d a zed m a c.\n\nNineteen eighty four m a c. A a for alpha, m a c like Mark. A a c like air conditioner. AC. So it should be d a zed m a c.\n\nYep. Oh, sorry. It's me off set. I just told you. Yep.\n\nAt Gmail dot com. I'm sorry. Yeah. Number 4 Registry here. 2 I'm on the phone.\n\nOh, fuck. Hold on. Sorry. 2 seconds. I thought that.\n\n5. Yeah. Yeah. Yep. Yeah.\n\nThat's the one. Yeah. Yeah. Yeah. Yep.\n\nYep. Seven. Mackenzie is my daughter. Seven. Oh, she can't be.\n\nYeah. I manage at branch, but yeah. At the minute. Yeah. Yeah.\n\nLawrence and Hanson. So it's like electrical oil seal. Full time. Yeah. Stop.\n\nYour page No. My income what's my income now roughly? Roughly? $11.60, $1.50? Yeah.\n\nJust just go go $1.50, $1.40, something like that. Yeah. Yeah. I'll be there if I'll see if we'll fluctuate. Yeah.\n\nYeah. Yep. Yeah. It sounds sounds about right. No.\n\nJust just want the embarels. Yeah. No. No. Yeah.\n\nSorry? Yeah. No. Yeah. Yeah.\n\nNope. Which which property is this? Yeah. Yeah. Yeah.\n\nYeah. So this is the car offer property or the Baldiver's property? Yeah. We we sold we sold the we sold the Baldivis property, and we bought the Carrutha property. Or we're just on Tuesday.\n\nWe just we just bought another house on Tuesday in McKay. Yeah. I think we're paid about $7.40 first. Yeah. That's where we're currently in.\n\nYeah. Yeah. I think we're currently we're moving money around. I think it was about 300 something because we saw that our divers probably use the money off that, and then we put extra money on it. So I I think it's sitting around about the $3.50.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nTemporarily. Yeah. Possibly. Yeah. Off to say off to the plan, but we're kinda just keeping it a bit quiet at the moment.\n\nWe are. $7.50. I'm calling to tell you, because I think we've got money offset not as well. That's probably sitting around this 5 to 6, something they are maybe. Yep.\n\nNo. That I'm not out. So that that's gone. Yep. Get off.\n\nJust I was sitting up there. What do you call it? I'll ship the TVs and all that stuff. Yeah. I saw what I was looking for.\n\nYeah. I've been there for the past sort of sort of accounts here. Just give it a small bit. Yeah. Not not not that I'm aware of.\n\nLike, that's still still mobile. Not really. Yes or no? Yeah. I will just leave that as blank.\n\nI'm pretty sure I do. It does. The white. Yeah. I've been up for it.\n\nYeah. Yes. I'm pretty sure we've done that a couple of months ago. Yeah. Again, it was just one of them.\n\nYep. Yeah. The bike's sort of thought it was on. Yeah. Yeah.\n\nYeah. Okay. Yeah. Alright. So that'll I'll just basically give her sort of power of our and stuff like that.\n\nYeah. Yeah. Sweet. Sweet. Yeah.\n\nYep. No. Too easy. That's fine. Yep.\n\nYeah. Yeah. Yeah. Definitely. Yeah.\n\nYeah. Yeah. Yeah. That's part of the reason why we're, like, buying, you know, like, doing the rent off the buying, renting, and then yeah. So yeah.\n\nSo yeah. But then I'll do yeah. But yep. Yep. Yeah.\n\nSort of thing. Yeah. Yeah. I think I've just just got it pretty well under control. Like, we just sat down and done the finances, and we're in a pretty good position.\n\nI think we're actually better off now than what we were before. We got the second house. So yeah. Yeah. Yeah.\n\nOnce we get the once once we get the rent coming in for the property, we'll be laughing. Yeah. No. Yeah. We we just came back from England about three weeks ago.\n\nThree and a half week. Yeah. Yeah. Yeah. Well, I mean, if you find these out there, like, in our server, we are trying to get over there once every couple of years at least.\n\nOh, that's. No idea. Yeah. I just see where we're at most of the time, I guess, where I probably really review that at 55 and, yeah, figure out. Yeah.\n\nYeah, guys. Yeah. Nope. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No And I just found it was fine. Yeah. I see. I think it yeah.\n\nI've got it. It seems looks like it's gone off, so, you know, it's all good. The bank is offsetting. Yeah. We put well, we we just pretty much put everything on the offsets.\n\nOh, no idea. Yeah. Okay. Well, again, again, that's that's that's like, I couldn't tell you off the top of my head. Like, but, again, that's something that the the missus, she just sorts out a little bit.\n\nThey are. It's been been been working for the past fourteen years. What kind of investments you got in mind, Nick? Is this is this something is this something that you can is this something you can use using my existing super or, like like, what what I've got there, or would it be, like, an additional okay. Alright.\n\nOh, we've we've we've already got one of them going. She's already registered. Yeah. Yeah. Been laughing.\n\nYeah. I think I think the wife opened the one when she was about 12 old, and just everyone's been chucked in there and it's back out. No. I think that outside of it, I'll just leave how it is because I'll stay like that. Yeah.\n\nI'll just kind of leave that to the to the wife to she does all that. Yeah. So I'll just kind of stay with that one. Yep. Yep.\n\nYes. I don't know. What do you reckon? So I I could see see, like, other people that kinda went with the big ones as a paid off label. Like, I can ask this here, like, you know, people in the high risk bracket, if there's a, like, there's a there's a payoff payoff more often than not or, like, what's the I'm not, to be honest with you.\n\nYeah. No. I'll probably just keep it as it is, I guess. Seems to be working alright. Yeah.\n\nYeah. Yeah. So I've I've, like since since I've started with, I've I've definitely got growth now. Yeah. Yeah.\n\nSo you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or? If if if if it was you, what would you do? Just just stick stick stick us on the same one as you. We'll just go for it. Yeah.\n\nYeah. 100% good. Yeah. Yeah. Yeah.\n\nI'm I'm musical on, I guess. Get yeah. Like, honestly, I can if you've got someone that's working for you and you're right, just just yeah. Just whatever you want. Just stick me on the same one.\n\nFuck. Let's give it a go. Yeah. Sweet sweet. That's what you're on?\n\nYeah. Yeah. Yeah. Just stick it stick it on that. Mhmm.\n\nYeah. Any any polyglot? Okay. Nope. Yep.\n\nProbably get the increase, I reckon. Yeah. Me me me monthly is quite a bit more than the current monthly. Yeah. Mhmm.\n\nOkay. Yeah. So I kinda how come we get rid of them and try someone else's way? Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Beautiful.\n\nUh-huh. Beautiful. I was taught I was taught to one of the lads about the shares in graphene. And I forgot to do. You say anything in there, like graphene shares?\n\nGraphene shares. Shares in graphene investment in graphene. Yeah. Yeah. Just hoping I've been yeah.\n\nYou heard of graphene? Yeah. It's it's it's probably coming to the battery tech, but specifically it was off the the graphene itself. Yeah. Very easy.\n\nYeah. So I've something I'll probably look at investing quite a bit if we can get something going with that. Yeah. It's it's it's it's basically the next level. Like, it's sort of it's up from lithium.\n\nIt's just worth having a look. So it's good. Yeah. G h g r a p h I n e. And then, yeah, check check it out.\n\nAnd what the. Beautiful. Yep. Sweet. Yeah.\n\nYeah. I think for the well, just for the time being, we'll probably just leave that as is. Yep. And we can see. Yep.\n\nYep. Sure, sir. Yeah. I'm not even gonna call on me. I need my boss.\n\nGot it. No. That's wrong, really. Yes. Hold on.\n\nYeah. No problem. Alright. Yeah. Yeah.\n\nJust a hard stuff. Got this later. Yep. Yeah. Yep.\n\nMiddle name is Jayne, j a y n e. Yeah. Yeah. 01/20/1982. Yeah.\n\nI got it right. It's not that. And I can do it at work, mate. So I can just print it out of work really. Yep.\n\nSweet. Yeah. They would yeah. They're they're the ones that you they're not to keep doing it. No.\n\nNo. Well, good. Yeah. Spot on. Yeah.\n\nYeah. Yeah. Yeah. Switch. Switch.\n\nYeah. Too easy. Yeah. I need dramas like we are. Yeah.\n\nSpot on. Yep. Yeah. I just took everything on the email. Like, you know, exactly what you need, and then I'll sort it over here.\n\nHey, brother. Hey. What's up? Hey. Yeah.\n\nSo you're watching the forty nine eight later? Yeah. It's pretty old. It was a pretty old pretty old oxen. Yeah.\n\nYeah. Shit. Sure. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's alright.\n\nGo for it. Alright, Spotter. Lovely. Alright. Thank you.\n\nCatch you, mate. Sure. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.02542225643992424},{"text":"Yeah.","start":5.7599998,"end":5.92,"sentiment":"neutral","sentiment_score":0.24109429121017456},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.5099650621414185},{"text":"Thanks.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5743932723999023},{"text":"Yourself?","start":6.3999996,"end":6.8999996,"sentiment":"positive","sentiment_score":0.33488211035728455}],"sentiment":"positive","sentiment_score":0.33715139850974085,"num_words":5,"start":0.64,"end":6.8999996},{"sentences":[{"text":"Yeah.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":0.1192481443285942},{"text":"Yeah.","start":13.92,"end":14.08,"sentiment":"neutral","sentiment_score":0.2174144685268402},{"text":"That's all 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$1.50?","start":293.375,"end":295.155,"sentiment":"neutral","sentiment_score":-0.017416533082723618},{"text":"Yeah.","start":299.455,"end":299.775,"sentiment":"neutral","sentiment_score":-0.009846591390669346}],"sentiment":"neutral","sentiment_score":-0.038995791293148487,"num_words":14,"start":274.245,"end":299.775},{"sentences":[{"text":"Just just go go $1.50, $1.40, something like that.","start":299.775,"end":302.415,"sentiment":"neutral","sentiment_score":-0.012235998176038265},{"text":"Yeah.","start":302.415,"end":302.67,"sentiment":"neutral","sentiment_score":0.04810874164104462},{"text":"Yeah.","start":312.03,"end":312.35,"sentiment":"neutral","sentiment_score":0.036196786910295486},{"text":"I'll be there if I'll see if we'll 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And I just found it was fine.","start":815.02,"end":828.145,"sentiment":"neutral","sentiment_score":0.11519337072968483},{"text":"Yeah.","start":828.145,"end":828.305,"sentiment":"neutral","sentiment_score":0.08039313554763794},{"text":"I see.","start":828.305,"end":828.78503,"sentiment":"neutral","sentiment_score":0.05718313716351986},{"text":"I think it yeah.","start":828.78503,"end":829.765,"sentiment":"neutral","sentiment_score":0.045882996171712875}],"sentiment":"neutral","sentiment_score":0.07785032223910093,"num_words":16,"start":814.77,"end":829.765},{"sentences":[{"text":"I've got it.","start":829.825,"end":830.305,"sentiment":"neutral","sentiment_score":0.03736548653493325},{"text":"It seems looks like it's gone off, so, you know, it's all good.","start":830.305,"end":847.6,"sentiment":"neutral","sentiment_score":0.1221971265398539},{"text":"The bank is offsetting.","start":850.885,"end":852.10504,"sentiment":"neutral","sentiment_score":-0.04314902424812317},{"text":"Yeah.","start":857.205,"end":857.60504,"sentiment":"neutral","sentiment_score":-0.003576176706701517},{"text":"We put well, we we just pretty much put everything on the offsets.","start":857.60504,"end":862.5,"sentiment":"neutral","sentiment_score":-0.020676765161064956}],"sentiment":"neutral","sentiment_score":0.03693202599499594,"num_words":34,"start":829.825,"end":862.5},{"sentences":[{"text":"Oh, no idea.","start":867.22,"end":868.58,"sentiment":"neutral","sentiment_score":-0.06652472913265228},{"text":"Yeah.","start":868.58,"end":868.66,"sentiment":"neutral","sentiment_score":-0.014632678590714931},{"text":"Okay.","start":868.66,"end":869.16,"sentiment":"neutral","sentiment_score":-0.008015245199203491},{"text":"Well, again, again, that's that's that's like, I couldn't tell you off the top of my head.","start":870.98,"end":874.98,"sentiment":"neutral","sentiment_score":-0.04556607564582544},{"text":"Like, but, again, that's something that the the missus, she just sorts out a little bit.","start":874.98,"end":879.005,"sentiment":"neutral","sentiment_score":0.009821545274462551}],"sentiment":"neutral","sentiment_score":-0.022097386125671237,"num_words":38,"start":867.22,"end":879.005},{"sentences":[{"text":"They are.","start":879.005,"end":879.665,"sentiment":"neutral","sentiment_score":0.13568973168730736},{"text":"It's been been been working for the past fourteen years.","start":879.96497,"end":883.745,"sentiment":"neutral","sentiment_score":0.12607669606804847},{"text":"What kind of investments you got in mind, Nick?","start":897.21,"end":899.23,"sentiment":"neutral","sentiment_score":0.027004585083987977},{"text":"Is this is this something is this something that you can is this something you can use using my existing super or, like like, what what I've got there, or would it be, like, an additional okay.","start":925.64,"end":940.755,"sentiment":"neutral","sentiment_score":0.011183938892507876},{"text":"Alright.","start":953.28,"end":953.78,"sentiment":"neutral","sentiment_score":0.04519306868314743}],"sentiment":"neutral","sentiment_score":0.03786756775452424,"num_words":59,"start":879.005,"end":953.78},{"sentences":[{"text":"Oh, we've we've we've already got one of them going.","start":962.16003,"end":964.085,"sentiment":"neutral","sentiment_score":0.039485192485153676},{"text":"She's already registered.","start":964.085,"end":965.145,"sentiment":"neutral","sentiment_score":0.07320106277863185},{"text":"Yeah.","start":967.045,"end":967.445,"sentiment":"neutral","sentiment_score":0.2092887312173843},{"text":"Yeah.","start":967.445,"end":967.52496,"sentiment":"neutral","sentiment_score":0.2597154378890991},{"text":"Been laughing.","start":967.52496,"end":968.265,"sentiment":"positive","sentiment_score":0.3692833483219147}],"sentiment":"neutral","sentiment_score":0.10717799876104384,"num_words":17,"start":962.16003,"end":968.265},{"sentences":[{"text":"Yeah.","start":968.645,"end":968.805,"sentiment":"neutral","sentiment_score":0.09390997886657716},{"text":"I think I think the wife opened the one when she was about 12 old, and just everyone's been chucked in there and it's back out.","start":968.805,"end":974.985,"sentiment":"neutral","sentiment_score":-0.05729482709788359},{"text":"No.","start":995.715,"end":996.03503,"sentiment":"neutral","sentiment_score":-0.03818993270397186},{"text":"I think that outside of it, I'll just leave how it is because I'll stay like that.","start":996.03503,"end":999.955,"sentiment":"neutral","sentiment_score":0.0314173698425293},{"text":"Yeah.","start":999.955,"end":1000.195,"sentiment":"neutral","sentiment_score":0.02058716118335724}],"sentiment":"neutral","sentiment_score":-0.01911441325817419,"num_words":46,"start":968.645,"end":1000.195},{"sentences":[{"text":"I'll just kind of leave that to the to the wife to she does all that.","start":1000.195,"end":1003.955,"sentiment":"neutral","sentiment_score":0.0018802801496349275},{"text":"Yeah.","start":1003.955,"end":1004.455,"sentiment":"neutral","sentiment_score":0.008022421970963478},{"text":"So I'll just kind of stay with that one.","start":1004.755,"end":1006.77,"sentiment":"positive","sentiment_score":0.40623484386338127},{"text":"Yep.","start":1008.53,"end":1009.03,"sentiment":"neutral","sentiment_score":0.24595634639263153},{"text":"Yep.","start":1038.0599,"end":1038.5599,"sentiment":"neutral","sentiment_score":0.01799459010362625}],"sentiment":"neutral","sentiment_score":0.141363265558279,"num_words":28,"start":1000.195,"end":1038.5599},{"sentences":[{"text":"Yes.","start":1048.62,"end":1049.12,"sentiment":"neutral","sentiment_score":-0.00995517522096634},{"text":"I don't know.","start":1088.9551,"end":1089.435,"sentiment":"neutral","sentiment_score":-0.12671982993682226},{"text":"What do you reckon?","start":1089.435,"end":1090.3351,"sentiment":"neutral","sentiment_score":-0.10537279397249222},{"text":"So I I could see see, like, other people that kinda went with the big ones as a paid off label.","start":1116.635,"end":1123.77,"sentiment":"neutral","sentiment_score":-0.0946961488752138},{"text":"Like, I can ask this here, like, you know, people in the high risk bracket, if there's a, like, there's a there's a payoff payoff more often than not or, like, what's the I'm not, to be honest with you.","start":1128.49,"end":1197.365,"sentiment":"neutral","sentiment_score":-0.091247861366719}],"sentiment":"neutral","sentiment_score":-0.09348028147782105,"num_words":69,"start":1048.62,"end":1197.365},{"sentences":[{"text":"Yeah.","start":1197.365,"end":1197.525,"sentiment":"neutral","sentiment_score":-0.044053755700588226},{"text":"No.","start":1197.525,"end":1198.025,"sentiment":"neutral","sentiment_score":-0.10322809964418413},{"text":"I'll probably just keep it as it is, I guess.","start":1201.365,"end":1203.285,"sentiment":"neutral","sentiment_score":-0.013760155439376831},{"text":"Seems to be working alright.","start":1203.285,"end":1204.405,"sentiment":"neutral","sentiment_score":0.17278722524642945},{"text":"Yeah.","start":1204.405,"end":1204.905,"sentiment":"neutral","sentiment_score":0.04096620529890061}],"sentiment":"neutral","sentiment_score":0.03444549565513929,"num_words":18,"start":1197.365,"end":1204.905},{"sentences":[{"text":"Yeah.","start":1207.765,"end":1208.265,"sentiment":"neutral","sentiment_score":0.1056133434176445},{"text":"Yeah.","start":1208.76,"end":1209.26,"sentiment":"neutral","sentiment_score":0.12357820570468904},{"text":"So I've I've, like since since I've started with, I've I've definitely got growth now.","start":1222.705,"end":1226.8049,"sentiment":"positive","sentiment_score":0.34477313458919523},{"text":"Yeah.","start":1228.465,"end":1228.705,"sentiment":"neutral","sentiment_score":0.15309208631515503},{"text":"Yeah.","start":1228.705,"end":1228.945,"sentiment":"neutral","sentiment_score":0.1903786659240723}],"sentiment":"neutral","sentiment_score":0.3023294379052363,"num_words":19,"start":1207.765,"end":1228.945},{"sentences":[{"text":"So you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or?","start":1228.945,"end":1232.885,"sentiment":"neutral","sentiment_score":0.07313714724861914},{"text":"If if if if it was you, what would you do?","start":1258.2151,"end":1260.635,"sentiment":"neutral","sentiment_score":0.022056455300612884},{"text":"Just just stick stick stick us on the same one as you.","start":1275.57,"end":1278.255,"sentiment":"neutral","sentiment_score":0.12484219794472058},{"text":"We'll just go for it.","start":1279.675,"end":1280.895,"sentiment":"neutral","sentiment_score":0.12206805348396302},{"text":"Yeah.","start":1288.635,"end":1289.135,"sentiment":"neutral","sentiment_score":0.06325986236333847}],"sentiment":"neutral","sentiment_score":0.07937864178514227,"num_words":47,"start":1228.945,"end":1289.135},{"sentences":[{"text":"Yeah.","start":1318.335,"end":1318.6549,"sentiment":"neutral","sentiment_score":0.15198275446891785},{"text":"100% good.","start":1318.6549,"end":1319.99,"sentiment":"positive","sentiment_score":0.3858999013900757},{"text":"Yeah.","start":1332.77,"end":1332.89,"sentiment":"neutral","sentiment_score":0.06459420174360275},{"text":"Yeah.","start":1332.89,"end":1333.01,"sentiment":"neutral","sentiment_score":0.052812159061431885},{"text":"Yeah.","start":1333.01,"end":1333.17,"sentiment":"neutral","sentiment_score":0.061294976621866226}],"sentiment":"neutral","sentiment_score":0.18374731577932835,"num_words":6,"start":1318.335,"end":1333.17},{"sentences":[{"text":"I'm I'm musical on, I guess.","start":1333.17,"end":1334.745,"sentiment":"neutral","sentiment_score":0.07149029895663261},{"text":"Get yeah.","start":1335.145,"end":1335.785,"sentiment":"neutral","sentiment_score":0.07857290655374527},{"text":"Like, honestly, I can if you've got someone that's working for you and you're right, just just yeah.","start":1335.785,"end":1340.265,"sentiment":"neutral","sentiment_score":0.11470988247957495},{"text":"Just whatever you want.","start":1340.265,"end":1341.225,"sentiment":"neutral","sentiment_score":0.02317048516124487},{"text":"Just stick me on the same one.","start":1341.225,"end":1342.345,"sentiment":"neutral","sentiment_score":-0.12493570574692317}],"sentiment":"neutral","sentiment_score":0.05051344572692304,"num_words":37,"start":1333.17,"end":1342.345},{"sentences":[{"text":"Fuck.","start":1342.345,"end":1342.585,"sentiment":"negative","sentiment_score":-0.5803982019424438},{"text":"Let's give it a go.","start":1342.585,"end":1343.725,"sentiment":"neutral","sentiment_score":-0.29237455129623413},{"text":"Yeah.","start":1348.1849,"end":1348.425,"sentiment":"neutral","sentiment_score":0.10200344026088716},{"text":"Sweet sweet.","start":1348.425,"end":1349.245,"sentiment":"neutral","sentiment_score":0.15840663760900497},{"text":"That's what you're on?","start":1349.465,"end":1350.45,"sentiment":"neutral","sentiment_score":0.05378109682351351}],"sentiment":"neutral","sentiment_score":-0.1083330658192818,"num_words":13,"start":1342.345,"end":1350.45},{"sentences":[{"text":"Yeah.","start":1352.21,"end":1352.45,"sentiment":"neutral","sentiment_score":0.0637613832950592},{"text":"Yeah.","start":1352.45,"end":1352.95,"sentiment":"neutral","sentiment_score":0.07412096858024597},{"text":"Yeah.","start":1353.09,"end":1353.49,"sentiment":"neutral","sentiment_score":0.07659204304218292},{"text":"Just stick it stick it on 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polyglot?","start":1383.06,"end":1384.2,"sentiment":"neutral","sentiment_score":0.08497312664985657},{"text":"Okay.","start":1406.325,"end":1406.825,"sentiment":"neutral","sentiment_score":0.04062267392873764},{"text":"Nope.","start":1431.775,"end":1432.08,"sentiment":"neutral","sentiment_score":-0.10728805512189864},{"text":"Yep.","start":1450.015,"end":1450.515,"sentiment":"neutral","sentiment_score":-0.019319305196404457}],"sentiment":"neutral","sentiment_score":0.03392991077687059,"num_words":7,"start":1382.58,"end":1450.515},{"sentences":[{"text":"Probably get the increase, I reckon.","start":1491.79,"end":1493.33,"sentiment":"neutral","sentiment_score":-0.1531913218398889},{"text":"Yeah.","start":1499.47,"end":1499.79,"sentiment":"neutral","sentiment_score":0.002890351228415966},{"text":"Me me me monthly is quite a bit more than the current monthly.","start":1499.79,"end":1504.985,"sentiment":"neutral","sentiment_score":-0.003106127421443279},{"text":"Yeah.","start":1539.8251,"end":1540.3251,"sentiment":"neutral","sentiment_score":-0.04547912627458573},{"text":"Mhmm.","start":1556.0449,"end":1556.5449,"sentiment":"negative","sentiment_score":-0.3478832244873047}],"sentiment":"neutral","sentiment_score":-0.0613636175932532,"num_words":22,"start":1491.79,"end":1556.5449},{"sentences":[{"text":"Okay.","start":1569.4049,"end":1569.9049,"sentiment":"neutral","sentiment_score":-0.2441786527633667},{"text":"Yeah.","start":1587.955,"end":1588.455,"sentiment":"neutral","sentiment_score":-0.21407610177993777},{"text":"So I kinda how come we get rid of them and try someone else's way?","start":1597.17,"end":1602.95,"sentiment":"negative","sentiment_score":-0.38550413052241006},{"text":"Yeah.","start":1604.53,"end":1605.03,"sentiment":"neutral","sentiment_score":-0.10649310797452928},{"text":"Yeah.","start":1630.05,"end":1630.55,"sentiment":"neutral","sentiment_score":-0.0121581694111228}],"sentiment":"negative","sentiment_score":-0.3347088415665846,"num_words":19,"start":1569.4049,"end":1630.55},{"sentences":[{"text":"Yeah.","start":1647.5599,"end":1648.0599,"sentiment":"neutral","sentiment_score":-0.011336334981024264},{"text":"Yeah.","start":1649.64,"end":1650.14,"sentiment":"neutral","sentiment_score":0.022095853462815285},{"text":"Yep.","start":1664.0149,"end":1664.5149,"sentiment":"neutral","sentiment_score":0.12089785188436508},{"text":"Yep.","start":1678.77,"end":1679.27,"sentiment":"neutral","sentiment_score":0.18828336894512177},{"text":"Beautiful.","start":1684.6101,"end":1685.1101,"sentiment":"positive","sentiment_score":0.4508463144302368}],"sentiment":"neutral","sentiment_score":0.15415741074830294,"num_words":5,"start":1647.5599,"end":1685.1101},{"sentences":[{"text":"Uh-huh.","start":1700.085,"end":1700.585,"sentiment":"neutral","sentiment_score":0.1287132352590561},{"text":"Beautiful.","start":1744.47,"end":1744.97,"sentiment":"positive","sentiment_score":0.3423176407814026},{"text":"I was taught I was taught to one of the lads about the shares in graphene.","start":1745.865,"end":1751.085,"sentiment":"neutral","sentiment_score":0.04274123185314238},{"text":"And I forgot to do.","start":1752.745,"end":1754.045,"sentiment":"neutral","sentiment_score":-0.006174519937485456},{"text":"You say anything in there, like graphene shares?","start":1754.985,"end":1757.005,"sentiment":"neutral","sentiment_score":-0.01793973136227578}],"sentiment":"neutral","sentiment_score":0.031629036616293654,"num_words":31,"start":1700.085,"end":1757.005},{"sentences":[{"text":"Graphene shares.","start":1759.945,"end":1760.97,"sentiment":"neutral","sentiment_score":-0.09813614189624786},{"text":"Shares in graphene investment in graphene.","start":1761.0499,"end":1762.9099,"sentiment":"neutral","sentiment_score":-0.02084315459554394},{"text":"Yeah.","start":1767.45,"end":1767.95,"sentiment":"neutral","sentiment_score":-0.034670956432819366},{"text":"Yeah.","start":1771.37,"end":1771.61,"sentiment":"neutral","sentiment_score":0.021177422255277634},{"text":"Just hoping I've been yeah.","start":1771.61,"end":1773.2899,"sentiment":"neutral","sentiment_score":-0.00203234045766294}],"sentiment":"neutral","sentiment_score":-0.022999096522107722,"num_words":15,"start":1759.945,"end":1773.2899},{"sentences":[{"text":"You heard of graphene?","start":1773.2899,"end":1774.27,"sentiment":"neutral","sentiment_score":-0.018225562758743763},{"text":"Yeah.","start":1777.215,"end":1777.535,"sentiment":"neutral","sentiment_score":-0.0676502212882042},{"text":"It's it's it's probably coming to the battery tech, but specifically it was off the the graphene itself.","start":1777.535,"end":1783.955,"sentiment":"neutral","sentiment_score":-0.09633156884875563},{"text":"Yeah.","start":1790.27,"end":1790.35,"sentiment":"neutral","sentiment_score":0.26789742708206177},{"text":"Very easy.","start":1790.35,"end":1791.17,"sentiment":"positive","sentiment_score":0.3617725074291229}],"sentiment":"neutral","sentiment_score":-0.03396454883309511,"num_words":26,"start":1773.2899,"end":1791.17},{"sentences":[{"text":"Yeah.","start":1791.31,"end":1791.55,"sentiment":"neutral","sentiment_score":0.09850992262363434},{"text":"So I've something I'll probably look at investing quite a bit if we can get something going with that.","start":1791.55,"end":1798.45,"sentiment":"neutral","sentiment_score":0.05170320052849619},{"text":"Yeah.","start":1804.105,"end":1804.345,"sentiment":"neutral","sentiment_score":0.01490984857082367},{"text":"It's it's it's it's basically the next level.","start":1804.345,"end":1806.585,"sentiment":"neutral","sentiment_score":0.02386632259003818},{"text":"Like, it's sort of it's up from lithium.","start":1806.585,"end":1808.205,"sentiment":"neutral","sentiment_score":0.0062400109600275755}],"sentiment":"neutral","sentiment_score":0.03612516890909221,"num_words":37,"start":1791.31,"end":1808.205},{"sentences":[{"text":"It's just worth having a look.","start":1809.705,"end":1811.085,"sentiment":"neutral","sentiment_score":0.06711088679730892},{"text":"So it's good.","start":1811.1449,"end":1811.865,"sentiment":"neutral","sentiment_score":0.3043491542339325},{"text":"Yeah.","start":1811.865,"end":1812.1849,"sentiment":"neutral","sentiment_score":0.14232194423675537},{"text":"G h g r a p h I n e.","start":1812.1849,"end":1815.485,"sentiment":"neutral","sentiment_score":0.030443806387484073},{"text":"And then, yeah, check check it out.","start":1816.9049,"end":1819.17,"sentiment":"neutral","sentiment_score":0.01762425766459533}],"sentiment":"neutral","sentiment_score":0.0698460220462746,"num_words":27,"start":1809.705,"end":1819.17},{"sentences":[{"text":"And what the.","start":1819.65,"end":1820.55,"sentiment":"neutral","sentiment_score":0.003615455391506354},{"text":"Beautiful.","start":1827.7301,"end":1828.2301,"sentiment":"positive","sentiment_score":0.5407145619392395},{"text":"Yep.","start":1828.61,"end":1828.8501,"sentiment":"positive","sentiment_score":0.36713707447052},{"text":"Sweet.","start":1828.8501,"end":1829.3501,"sentiment":"positive","sentiment_score":0.3869687914848328},{"text":"Yeah.","start":1833.81,"end":1834.31,"sentiment":"neutral","sentiment_score":0.07737766951322556}],"sentiment":"neutral","sentiment_score":0.19757778051176242,"num_words":7,"start":1819.65,"end":1834.31},{"sentences":[{"text":"Yeah.","start":1858.2201,"end":1858.7201,"sentiment":"neutral","sentiment_score":0.029466602951288223},{"text":"I think for the well, just for the time being, we'll probably just leave that as is.","start":1892.055,"end":1895.995,"sentiment":"neutral","sentiment_score":0.02099673165117993},{"text":"Yep.","start":1897.3351,"end":1897.8351,"sentiment":"positive","sentiment_score":0.4240134358406067},{"text":"And we can see.","start":1903.8151,"end":1904.58,"sentiment":"neutral","sentiment_score":0.16443710774183273},{"text":"Yep.","start":1904.8999,"end":1905.3999,"sentiment":"neutral","sentiment_score":0.3178566098213196}],"sentiment":"neutral","sentiment_score":0.07441789656877518,"num_words":24,"start":1858.2201,"end":1905.3999},{"sentences":[{"text":"Yep.","start":1921.655,"end":1921.975,"sentiment":"neutral","sentiment_score":0.16824106872081757},{"text":"Sure, sir.","start":1921.975,"end":1922.715,"sentiment":"neutral","sentiment_score":0.25858625769615173},{"text":"Yeah.","start":1943.4451,"end":1943.8451,"sentiment":"neutral","sentiment_score":-0.07459656894207001},{"text":"I'm not even gonna call on me.","start":1943.8451,"end":1944.9651,"sentiment":"neutral","sentiment_score":-0.2675679304770061},{"text":"I need my boss.","start":1944.9651,"end":1946.115,"sentiment":"neutral","sentiment_score":-0.26678838208317757}],"sentiment":"neutral","sentiment_score":-0.15528746843338012,"num_words":15,"start":1921.655,"end":1946.115},{"sentences":[{"text":"Got it.","start":1957.08,"end":1964.7,"sentiment":"neutral","sentiment_score":0.005817265249788762},{"text":"No.","start":2014.96,"end":2015.2799,"sentiment":"neutral","sentiment_score":-0.02498013526201248},{"text":"That's wrong, really.","start":2015.2799,"end":2016.5,"sentiment":"negative","sentiment_score":-0.4063534239927928},{"text":"Yes.","start":2051.5652,"end":2051.8052,"sentiment":"neutral","sentiment_score":0.08806443959474564},{"text":"Hold on.","start":2051.8052,"end":2052.2852,"sentiment":"neutral","sentiment_score":0.0662468671798706}],"sentiment":"neutral","sentiment_score":-0.11242752253181404,"num_words":9,"start":1957.08,"end":2052.2852},{"sentences":[{"text":"Yeah.","start":2052.2852,"end":2052.445,"sentiment":"neutral","sentiment_score":0.11473111808300018},{"text":"No problem.","start":2052.445,"end":2053.185,"sentiment":"neutral","sentiment_score":0.23233482241630554},{"text":"Alright.","start":2067.86,"end":2068.36,"sentiment":"neutral","sentiment_score":0.0018631115090101955},{"text":"Yeah.","start":2073.94,"end":2074.26,"sentiment":"neutral","sentiment_score":-0.046797752380371094},{"text":"Yeah.","start":2074.26,"end":2074.5,"sentiment":"neutral","sentiment_score":-0.08013792335987091}],"sentiment":"neutral","sentiment_score":0.07572136644739658,"num_words":6,"start":2052.2852,"end":2074.5},{"sentences":[{"text":"Just a hard stuff.","start":2074.5,"end":2075.3,"sentiment":"neutral","sentiment_score":-0.21776234731078148},{"text":"Got this later.","start":2075.3,"end":2076.2,"sentiment":"neutral","sentiment_score":-0.08260911703109741},{"text":"Yep.","start":2082.7349,"end":2083.2349,"sentiment":"neutral","sentiment_score":0.041415438055992126},{"text":"Yeah.","start":2086.6548,"end":2087.055,"sentiment":"neutral","sentiment_score":0.03873065486550331},{"text":"Yep.","start":2087.055,"end":2087.555,"sentiment":"neutral","sentiment_score":0.03063203766942024}],"sentiment":"neutral","sentiment_score":-0.10080986097455025,"num_words":10,"start":2074.5,"end":2087.555},{"sentences":[{"text":"Middle name is Jayne, j a y n e.","start":2087.615,"end":2090.16,"sentiment":"neutral","sentiment_score":0.026533993168009654},{"text":"Yeah.","start":2099.76,"end":2100.26,"sentiment":"neutral","sentiment_score":0.01602945476770401},{"text":"Yeah.","start":2101.28,"end":2101.78,"sentiment":"neutral","sentiment_score":0.011388281360268593},{"text":"01/20/1982.","start":2102.72,"end":2106.795,"sentiment":"neutral","sentiment_score":0.00980350375175476},{"text":"Yeah.","start":2106.795,"end":2107.0352,"sentiment":"neutral","sentiment_score":0.049513205885887146}],"sentiment":"neutral","sentiment_score":0.025041568021361645,"num_words":13,"start":2087.615,"end":2107.0352},{"sentences":[{"text":"I got it right.","start":2107.0352,"end":2107.675,"sentiment":"neutral","sentiment_score":0.063616544008255},{"text":"It's not that.","start":2107.675,"end":2108.575,"sentiment":"neutral","sentiment_score":-0.009440218835758666},{"text":"And I can do it at work, mate.","start":2129.47,"end":2131.035,"sentiment":"neutral","sentiment_score":0.11388982832431793},{"text":"So I can just print it out of work really.","start":2131.115,"end":2133.055,"sentiment":"neutral","sentiment_score":0.09010693207383155},{"text":"Yep.","start":2135.035,"end":2135.535,"sentiment":"positive","sentiment_score":0.4066142737865448}],"sentiment":"neutral","sentiment_score":0.09403645156327492,"num_words":26,"start":2107.0352,"end":2135.535},{"sentences":[{"text":"Sweet.","start":2135.6748,"end":2136.1748,"sentiment":"positive","sentiment_score":0.4323982000350952},{"text":"Yeah.","start":2163.545,"end":2163.865,"sentiment":"neutral","sentiment_score":-0.0015262295491993427},{"text":"They would yeah.","start":2163.865,"end":2165.9448,"sentiment":"neutral","sentiment_score":-0.010483471676707268},{"text":"They're they're the ones that you they're not to keep doing it.","start":2165.9448,"end":2169.38,"sentiment":"neutral","sentiment_score":-0.019377958960831165},{"text":"No.","start":2183.085,"end":2183.405,"sentiment":"neutral","sentiment_score":-0.054074790328741074}],"sentiment":"neutral","sentiment_score":0.006267292088725501,"num_words":18,"start":2135.6748,"end":2183.405},{"sentences":[{"text":"No.","start":2183.405,"end":2183.565,"sentiment":"neutral","sentiment_score":-0.03694994002580643},{"text":"Well, good.","start":2183.565,"end":2184.225,"sentiment":"neutral","sentiment_score":0.27046239376068115},{"text":"Yeah.","start":2185.945,"end":2186.445,"sentiment":"neutral","sentiment_score":0.27496644854545593},{"text":"Spot on.","start":2188.165,"end":2190.885,"sentiment":"neutral","sentiment_score":0.08883228152990341},{"text":"Yeah.","start":2192.605,"end":2192.845,"sentiment":"neutral","sentiment_score":0.05461569130420685}],"sentiment":"neutral","sentiment_score":0.1444602214864322,"num_words":7,"start":2183.405,"end":2192.845},{"sentences":[{"text":"Yeah.","start":2192.845,"end":2193.345,"sentiment":"neutral","sentiment_score":0.05126019194722176},{"text":"Yeah.","start":2207.9802,"end":2208.4802,"sentiment":"neutral","sentiment_score":0.05195564031600952},{"text":"Yeah.","start":2214.9849,"end":2215.4849,"sentiment":"neutral","sentiment_score":0.026531562209129333},{"text":"Switch.","start":2215.545,"end":2215.785,"sentiment":"neutral","sentiment_score":0.015849869698286057},{"text":"Switch.","start":2215.785,"end":2216.285,"sentiment":"neutral","sentiment_score":0.016430120915174484}],"sentiment":"neutral","sentiment_score":0.03240547701716423,"num_words":5,"start":2192.845,"end":2216.285},{"sentences":[{"text":"Yeah.","start":2224.6902,"end":2224.9302,"sentiment":"neutral","sentiment_score":-0.03823379799723625},{"text":"Too easy.","start":2224.9302,"end":2225.6702,"sentiment":"neutral","sentiment_score":-0.0927753783762455},{"text":"Yeah.","start":2236.4548,"end":2236.6548,"sentiment":"neutral","sentiment_score":-0.021097814664244652},{"text":"I need dramas like we are.","start":2236.6548,"end":2238.4749,"sentiment":"neutral","sentiment_score":-0.030514543565611046},{"text":"Yeah.","start":2238.775,"end":2238.9348,"sentiment":"neutral","sentiment_score":0.02888440527021885}],"sentiment":"neutral","sentiment_score":-0.0362804750488563,"num_words":11,"start":2224.6902,"end":2238.9348},{"sentences":[{"text":"Spot on.","start":2238.9348,"end":2239.755,"sentiment":"neutral","sentiment_score":0.030839039012789726},{"text":"Yep.","start":2240.535,"end":2241.035,"sentiment":"neutral","sentiment_score":0.211833655834198},{"text":"Yeah.","start":2250.4548,"end":2250.9548,"sentiment":"neutral","sentiment_score":0.2743203341960907},{"text":"I just took everything on the email.","start":2260.59,"end":2261.8699,"sentiment":"neutral","sentiment_score":0.2200989020722253},{"text":"Like, you know, exactly what you need, and then I'll sort it over here.","start":2261.8699,"end":2267.435,"sentiment":"neutral","sentiment_score":0.22288800243820464}],"sentiment":"neutral","sentiment_score":0.2083582566678524,"num_words":25,"start":2238.9348,"end":2267.435},{"sentences":[{"text":"Hey, brother.","start":2267.435,"end":2268.0952,"sentiment":"positive","sentiment_score":0.34076495468616486},{"text":"Hey.","start":2269.115,"end":2269.435,"sentiment":"neutral","sentiment_score":0.04553336650133133},{"text":"What's up?","start":2269.435,"end":2269.8352,"sentiment":"neutral","sentiment_score":0.016917718574404716},{"text":"Hey.","start":2269.8352,"end":2269.995,"sentiment":"neutral","sentiment_score":0.01226362120360136},{"text":"Yeah.","start":2269.995,"end":2270.495,"sentiment":"neutral","sentiment_score":0.022672884166240692}],"sentiment":"neutral","sentiment_score":0.11369074548461608,"num_words":7,"start":2267.435,"end":2270.495},{"sentences":[{"text":"So you're watching the forty nine eight later?","start":2272.475,"end":2274.3352,"sentiment":"neutral","sentiment_score":0.0152752649737522},{"text":"Yeah.","start":2276.475,"end":2276.975,"sentiment":"neutral","sentiment_score":-0.0155596062541008},{"text":"It's pretty old.","start":2278.39,"end":2278.71,"sentiment":"neutral","sentiment_score":-0.05611495301127434},{"text":"It was a pretty old pretty old oxen.","start":2278.71,"end":2280.39,"sentiment":"neutral","sentiment_score":-0.06395156588405371},{"text":"Yeah.","start":2280.39,"end":2280.89,"sentiment":"neutral","sentiment_score":-0.007204660214483738}],"sentiment":"neutral","sentiment_score":-0.0276437872754676,"num_words":21,"start":2272.475,"end":2280.89},{"sentences":[{"text":"Yeah.","start":2292.39,"end":2292.47,"sentiment":"neutral","sentiment_score":0.010360365733504295},{"text":"Shit.","start":2292.47,"end":2292.71,"sentiment":"neutral","sentiment_score":-0.02612476423382759},{"text":"Sure.","start":2292.71,"end":2293.21,"sentiment":"neutral","sentiment_score":-0.000920260325074196},{"text":"Yeah.","start":2293.43,"end":2293.91,"sentiment":"neutral","sentiment_score":0.0005792649462819099},{"text":"Yeah.","start":2293.91,"end":2294.205,"sentiment":"neutral","sentiment_score":0.01879071071743965}],"sentiment":"neutral","sentiment_score":0.000537063367664814,"num_words":5,"start":2292.39,"end":2294.205},{"sentences":[{"text":"Yeah.","start":2296.605,"end":2296.7651,"sentiment":"neutral","sentiment_score":0.002765392884612083},{"text":"Yeah.","start":2296.7651,"end":2296.9785,"sentiment":"neutral","sentiment_score":0.01985677145421505},{"text":"Yeah.","start":2296.9785,"end":2297.1917,"sentiment":"neutral","sentiment_score":0.03920882195234299},{"text":"Yeah.","start":2297.1917,"end":2297.405,"sentiment":"neutral","sentiment_score":0.0734042376279831},{"text":"That's alright.","start":2297.405,"end":2298.125,"sentiment":"neutral","sentiment_score":0.2427445501089096}],"sentiment":"neutral","sentiment_score":0.10345405402282874,"num_words":6,"start":2296.605,"end":2298.125},{"sentences":[{"text":"Go for it.","start":2298.125,"end":2298.945,"sentiment":"positive","sentiment_score":0.4304175178209941},{"text":"Alright, Spotter.","start":2303.085,"end":2303.733,"sentiment":"positive","sentiment_score":0.3841492682695389},{"text":"Lovely.","start":2305.4128,"end":2305.813,"sentiment":"positive","sentiment_score":0.7946109771728516},{"text":"Alright.","start":2305.813,"end":2306.213,"sentiment":"positive","sentiment_score":0.6057524681091309},{"text":"Thank you.","start":2306.213,"end":2307.273,"sentiment":"positive","sentiment_score":0.7912482619285583}],"sentiment":"positive","sentiment_score":0.5602678954601288,"num_words":9,"start":2298.125,"end":2307.273},{"sentences":[{"text":"Catch you, mate.","start":2308.773,"end":2309.733,"sentiment":"positive","sentiment_score":0.5052700042724609},{"text":"Sure.","start":2309.733,"end":2310.053,"sentiment":"neutral","sentiment_score":0.3011428415775299},{"text":"Bye.","start":2310.053,"end":2310.553,"sentiment":"neutral","sentiment_score":0.23817631602287292}],"sentiment":"positive","sentiment_score":0.41102583408355714,"num_words":5,"start":2308.773,"end":2310.553}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Darren. It's Jenna here from Oakview Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks. Yourself?\n\nChannel 0: Good. Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes. Is that alright?\n\nChannel 1: Yeah. Yeah. That's all good. Yeah.\n\nChannel 0: Fantastic. And, Darren, can I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. The second eighty four. Sorry. Dial McElroy in the second eighty four. Paul Reddy Street, 4 Gara.\n\n6714.\n\nChannel 0: Beautiful. Thank you so much. How's your day been so far?\n\nChannel 1: Yeah. So far, I would like yeah. Can can know what about those?\n\nChannel 0: Yeah. Good. Thanks. Good. Thanks.\n\nI'm just going to run through your annual review. Do you still have time to do that?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Fantastic. Alright. What I'll do is do you have access to your emails at all?\n\nChannel 1: Yeah. No. But not at the minute.\n\nChannel 0: No. That's okay. Then shortly, I'll send through a review pack. You can review that post our chat when you do have access to it,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and it will come from Odoo sign. So that's just from myself. But\n\nChannel 1: Yeah.\n\nChannel 0: before\n\nChannel 1: I am,\n\nChannel 0: I send\n\nChannel 1: sweet.\n\nChannel 0: that, yeah, before I send that through, what I'm gonna do is I'm just gonna run through your personal and financial information that we have on file to make sure it's actually current and up to date up\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: date date. Sorry.\n\nChannel 1: That's all good.\n\nChannel 0: Just confirming your marital status. Are you still married?\n\nChannel 1: Yeah. It's still marked.\n\nChannel 0: Lovely. Lovely. And your email address is pure c c\n\nChannel 1: Yes.\n\nChannel 0: services@Gmail.com?\n\nChannel 1: No. I don't know. No. I can't get rid of that one altogether.\n\nChannel 0: No. Okay. What's your email address?\n\nChannel 1: Yeah. Dodge Masc, d a zed m a c. Nineteen\n\nChannel 0: D\n\nChannel 1: eighty\n\nChannel 0: a\n\nChannel 1: four\n\nChannel 0: sorry. D a\n\nChannel 1: m\n\nChannel 0: zed\n\nChannel 1: a\n\nChannel 0: m\n\nChannel 1: c.\n\nChannel 0: e m e c. Yep.\n\nChannel 1: A a for alpha, m a c like Mark.\n\nChannel 0: Yep. M e c or m a c?\n\nChannel 1: A a c like air conditioner. AC.\n\nChannel 0: Okay. Tennessee.\n\nChannel 1: So it should be d a\n\nChannel 0: Yep.\n\nChannel 1: zed\n\nChannel 0: MAC.\n\nChannel 1: m a c.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Sorry. That's my mistake.\n\nChannel 1: Oh, sorry. It's me\n\nChannel 0: Nineteen\n\nChannel 1: off set. I just told you.\n\nChannel 0: nineteen eighty\n\nChannel 1: Yep. At Gmail dot com.\n\nChannel 0: four. Fantastic. I've got that. Okay. So I'll update that one there.\n\nBeautiful. Thank you for that.\n\nChannel 1: I'm sorry.\n\nChannel 0: And I've already done your address. That's Ridley Street, so that's fine.\n\nChannel 1: Yeah. Number 4 Registry\n\nChannel 0: Yep.\n\nChannel 1: here.\n\nChannel 0: And\n\nChannel 1: 2\n\nChannel 0: I've\n\nChannel 1: I'm\n\nChannel 0: got\n\nChannel 1: on the phone. Oh, fuck. Hold on. Sorry. 2\n\nChannel 0: no.\n\nChannel 1: seconds.\n\nChannel 0: You're absolutely fine.\n\nChannel 1: I thought that.\n\nChannel 0: No. Absolutely fine. Absolutely fine. I've got Lisa down here as your spouse\n\nChannel 1: 5.\n\nChannel 0: your wife's name.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Does her numbers end in 655?\n\nChannel 1: Yeah. That's the one. Yeah. Yeah.\n\nChannel 0: Fantastic. And I have one dependent. Is that correct?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Are they a financial dependent? How old are they?\n\nChannel 1: Seven. Mackenzie is my daughter. Seven.\n\nChannel 0: Mackenzie. Beautiful.\n\nChannel 1: Oh, she can't be.\n\nChannel 0: She the same as mine. Okay. Beautiful. So I've got your occupation here as sales sales and quotes. Is that right?\n\nChannel 1: Yeah. I manage at branch, but yeah. At the minute. Yeah.\n\nChannel 0: Yep. Okay. And the what did you say the employer name was? Sorry?\n\nChannel 1: Yeah. Lawrence and Hanson.\n\nChannel 0: Florence Manhattan.\n\nChannel 1: So it's like electrical oil seal.\n\nChannel 0: Yes. Okay. Beautiful. And are you employed on a full time basis?\n\nChannel 1: Full time. Yeah.\n\nChannel 0: Yeah. And how many hours on\n\nChannel 1: Stop. Your page\n\nChannel 0: average do you work per week? Yes. Yes. Alright. And I've got your income as 75.\n\nIs that\n\nChannel 1: No. My income what's my income now roughly? Roughly? $11.60, $1.50?\n\nChannel 0: right? So $1.50?\n\nChannel 1: Yeah. Just just go go $1.50, $1.40, something like that. Yeah.\n\nChannel 0: Okay. Beautiful. Alright. And we have your expenditure here as about 800 a week. Is that\n\nChannel 1: Yeah. I'll be there if I'll see if we'll fluctuate.\n\nChannel 0: correct? Yep. Does that include mortgage repayment, or is that separate?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And your savings per\n\nChannel 1: Yep.\n\nChannel 0: week, we have $500. Is that still the\n\nChannel 1: Yeah.\n\nChannel 0: same?\n\nChannel 1: It sounds sounds about right.\n\nChannel 0: Beautiful. And do you make any additional contributions to super besides what your employer\n\nChannel 1: No. Just just want\n\nChannel 0: does?\n\nChannel 1: the embarels. Yeah.\n\nChannel 0: Okay. Fantastic. Did were you wanting to make any more?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Nope. That's fine. Do you have an EBA agreement with your employer?\n\nChannel 1: Yeah. Sorry?\n\nChannel 0: An EBA agreement. If you if it if your if your answer is I don't know, then you don't.\n\nChannel 1: Yeah. No. Yeah. Yeah. Nope.\n\nChannel 0: Beautiful.\n\nChannel 1: Which\n\nChannel 0: Alright. We have your house here at 400000 with a debt of $3.50. Is that correct?\n\nChannel 1: which property is this?\n\nChannel 0: I'm it just I've only got the one\n\nChannel 1: Yeah.\n\nChannel 0: property.\n\nChannel 1: Yeah.\n\nChannel 0: It just says house.\n\nChannel 1: Yeah. Yeah. So this is the car offer property or the Baldiver's property?\n\nChannel 0: It doesn't say. I can update it, and we can do both from we can just update it. So have you got an investment property as well?\n\nChannel 1: Yeah. We we sold we sold the we sold the Baldivis property, and we bought the Carrutha\n\nChannel 0: Yeah.\n\nChannel 1: property. Or we're just on Tuesday. We just we just bought another house on Tuesday in\n\nChannel 0: Okay.\n\nChannel 1: McKay. Yeah.\n\nChannel 0: Oh, okay. Beautiful. Okay. So let's update all that. The what's the carafe property worth?\n\nChannel 1: I think we're paid about $7.40 first.\n\nChannel 0: And that's the one you're in now?\n\nChannel 1: Yeah. That's where we're currently in. Yeah. Yeah.\n\nChannel 0: Yeah. And what's the debt against that?\n\nChannel 1: I think we're currently we're moving money around. I think it was about 300 something because we saw that our divers probably use the money off that, and then we put\n\nChannel 0: Yep.\n\nChannel 1: extra money on it. So I I think it's sitting around about\n\nChannel 0: Yep. $3.50. Okay. And you said you've just purchased a property in Mackay.\n\nChannel 1: the $3.50.\n\nChannel 0: Is that\n\nChannel 1: Yeah.\n\nChannel 0: in Queensland?\n\nChannel 1: Yeah. Yeah. Yep. Yep.\n\nChannel 0: Yep. Is it gonna be used as a rental property?\n\nChannel 1: Temporarily.\n\nChannel 0: Temporarily? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Are you gonna move there?\n\nChannel 1: Possibly. Yeah. Off to say off\n\nChannel 0: Yes.\n\nChannel 1: to the plan, but we're kinda just keeping it a bit quiet at the moment. We are.\n\nChannel 0: Yes. No worries at all. How much did you purchase that one for?\n\nChannel 1: $7.50.\n\nChannel 0: And what's the debt on that one gonna be?\n\nChannel 1: I'm calling to tell you, because I think we've got money offset not as well. That's probably sitting around this 5 to 6, something they are maybe.\n\nChannel 0: Yeah. Yep. Okay. That's fine. Beautiful.\n\nAnd we have a car here valued at 38,000 with no debt. Would that still be right?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. And a caravan at 50,000 with a $25,000 debt.\n\nChannel 1: No. That I'm not out. So that that's gone. Yep. Get\n\nChannel 0: That's\n\nChannel 1: off.\n\nChannel 0: gone. Beautiful. Alright. Any other assets and liabilities you can think of?\n\nChannel 1: Just I was sitting up there. What do you call it? I'll ship the TVs and all that stuff. Yeah.\n\nChannel 0: Oh, yep. Your home and contents. Yep. No worries.\n\nChannel 1: I saw what I\n\nChannel 0: That's alright.\n\nChannel 1: was\n\nChannel 0: Now we have you\n\nChannel 1: looking\n\nChannel 0: down as a smoker. Is that\n\nChannel 1: for.\n\nChannel 0: still correct?\n\nChannel 1: Yeah. I've been there for the past sort of sort of accounts here. Just give it a\n\nChannel 0: Okay.\n\nChannel 1: small\n\nChannel 0: No worries.\n\nChannel 1: bit.\n\nChannel 0: Any\n\nChannel 1: Yeah.\n\nChannel 0: significant health\n\nChannel 1: Not\n\nChannel 0: issues or\n\nChannel 1: not\n\nChannel 0: injuries recent\n\nChannel 1: not\n\nChannel 0: or since\n\nChannel 1: that\n\nChannel 0: our last catch\n\nChannel 1: I'm\n\nChannel 0: up?\n\nChannel 1: aware of. Like, that's\n\nChannel 0: Nope.\n\nChannel 1: still still mobile.\n\nChannel 0: Any regular medic medication you take?\n\nChannel 1: Not really. Yes or no?\n\nChannel 0: No.\n\nChannel 1: Yeah. I will just leave that as blank.\n\nChannel 0: Okay. And do you have private health\n\nChannel 1: I'm pretty sure I do. It does. The white. Yeah. I've been up for it.\n\nYeah.\n\nChannel 0: insurance? All good. And do you have in your will and power of attorney in place?\n\nChannel 1: Yes. I'm pretty sure we've done that a couple of months ago.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Again, it was just one of them. Yep. Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: The bike's sort of thought it\n\nChannel 0: Didn't\n\nChannel 1: was on. Yeah.\n\nChannel 0: Beautiful. What I might do, if it's okay with you, is following this meeting, send an email through to see if we could obtain a copy of that for our files. The reason why is because if anything was to happen to you and Lisa phoned us to ask questions about your superannuation or your insurance or getting claims done,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we're unable to speak to her.\n\nChannel 1: Okay.\n\nChannel 0: So we need it's it's very helpful, and it will make the process quicker should anything ever happen to you for Lisa that we have\n\nChannel 1: Yeah.\n\nChannel 0: those on file because then we can identify her. So\n\nChannel 1: Alright.\n\nChannel 0: I will\n\nChannel 1: So that'll I'll just basically give her sort of power of our\n\nChannel 0: yeah. So we we\n\nChannel 1: and\n\nChannel 0: well, it won't give her power or anything like that.\n\nChannel 1: stuff\n\nChannel 0: But if anything's to happen, we have the\n\nChannel 1: like\n\nChannel 0: estate planning documents on file that we can refer\n\nChannel 1: that.\n\nChannel 0: back to, and we'd ask her to provide her ID and all\n\nChannel 1: Yeah.\n\nChannel 0: that sort of stuff so we could verify her.\n\nChannel 1: Yeah.\n\nChannel 0: Without\n\nChannel 1: Sweet. Sweet.\n\nChannel 0: that without that, it it it does make it difficult.\n\nChannel 1: Yeah. Yep. No. Too easy. That's fine.\n\nYep.\n\nChannel 0: Fantastic. Beautiful. Alright. I'm going to just jump to the goals and objectives that we had on file for you from your last review. And I\n\nChannel 1: Yeah.\n\nChannel 0: just wanna\n\nChannel 1: Yeah.\n\nChannel 0: run through and see if they're still applicable or if they've changed or if there's any new ones. So the la one one of them was that you wanna pay off your mortgage as soon as possible so you can start saving for a time and and enjoy that as much as possible. Is that still a goal of yours?\n\nChannel 1: Yeah. Definitely. Yeah. Yeah. Yeah.\n\nYeah.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Are\n\nChannel 1: part\n\nChannel 0: you\n\nChannel 1: of the\n\nChannel 0: making\n\nChannel 1: reason why we're, like, buying, you know, like, doing the rent off the buying, renting, and then yeah. So yeah. So\n\nChannel 0: yep.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. So\n\nChannel 1: But then\n\nChannel 0: you're kinda\n\nChannel 1: I'll do yeah. But yep.\n\nChannel 0: you're doing a debt recycling strategy yourself.\n\nChannel 1: Yep. Yeah. Sort of\n\nChannel 0: That's\n\nChannel 1: thing.\n\nChannel 0: what\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we call it. Yeah. So alright. Do you need any assistance with that, or you're you're wanting to manage that yourself?\n\nChannel 1: I think I've just just got it pretty well under control. Like, we just sat down and done the finances, and we're in a pretty good position. I think we're actually better off now than what\n\nChannel 0: Beautiful.\n\nChannel 1: we were before. We got the second house. So yeah.\n\nChannel 0: Beautiful. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah. Once we\n\nChannel 0: No\n\nChannel 1: get\n\nChannel 0: worries.\n\nChannel 1: the once once we get the rent coming in for the property, we'll be laughing.\n\nChannel 0: Alright. Beautiful. The and you'd like to be able travel overseas. Have you been able to achieve that? Is it still a goal?\n\nChannel 1: Yeah. No. Yeah. We we just came back from England about three weeks ago. Three and a half\n\nChannel 0: Oh,\n\nChannel 1: week.\n\nChannel 0: beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And it's are you gonna\n\nChannel 1: Yeah.\n\nChannel 0: make it a regular thing that that's a goal you wanna do?\n\nChannel 1: Yeah. Well, I mean, if you find these out there, like, in our server, we are trying to get over there once every couple of years at least.\n\nChannel 0: Okay. Beautiful. And I have here that you would like to retire at the age of 60.\n\nChannel 1: Oh,\n\nChannel 0: Do\n\nChannel 1: that's.\n\nChannel 0: you have any idea if you were to retire at the age of 60, what income you'd need in today's dollars?\n\nChannel 1: No idea. Yeah. I just see where we're at most of the time, I guess, where I probably\n\nChannel 0: Yeah.\n\nChannel 1: really review that at 55 and, yeah, figure\n\nChannel 0: Alright.\n\nChannel 1: out. Yeah.\n\nChannel 0: Beautiful. And in you basically ensure that you have suitable insurance in place.\n\nChannel 1: Yeah,\n\nChannel 0: So,\n\nChannel 1: guys. Yeah.\n\nChannel 0: yeah, the only thing with your insurance that I I'll run through that in a minute, is that you don't have trauma insurance. Were you would you have been have you been spoken to about that before?\n\nChannel 1: Nope. No. No. No. No.\n\nNo. No. No.\n\nChannel 0: No?\n\nChannel 1: No. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nChannel 0: No. That's okay. I'll touch on that in a minute. The other questions\n\nChannel 1: No. No\n\nChannel 0: I wanted to just check with you before I move on to the review package, the review pack itself, is with your review frequency, are you happy to keep that annually, or would you like it more frequent?\n\nChannel 1: And I just found it was fine. Yeah. I see. I think it yeah. I've got it.\n\nChannel 0: Yeah.\n\nChannel 1: It seems looks like it's gone off, so, you know, it's\n\nChannel 0: Beautiful. Beautiful. Your with your surplus cash flow or your savings,\n\nChannel 1: all\n\nChannel 0: where's that being directed\n\nChannel 1: good.\n\nChannel 0: at the moment? Is it a bank account? Or\n\nChannel 1: The bank is offsetting.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Is there\n\nChannel 1: We put\n\nChannel 0: did you want sorry?\n\nChannel 1: well, we we just pretty much put everything on the offsets.\n\nChannel 0: Yeah. Okay. Do you know what the balance of your offset is at the moment roughly?\n\nChannel 1: Oh, no idea. Yeah. Okay. Well, again,\n\nChannel 0: Sorry?\n\nChannel 1: again, that's that's that's like, I couldn't tell you off the top of my head. Like, but, again, that's something that the the missus, she just sorts out a\n\nChannel 0: Yep.\n\nChannel 1: little bit. They are. It's\n\nChannel 0: That's all\n\nChannel 1: been\n\nChannel 0: good. No worries.\n\nChannel 1: been been working for the past fourteen years.\n\nChannel 0: Yep. Perfect. No worries at all. Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being?\n\nChannel 1: What kind of investments you got in mind, Nick?\n\nChannel 0: Would there's investments that you can do at so they're similar to superannuation in respect to a portfolio. So it's set up similar, and you can start building it outside of super to build wealth so you're not solely reliant on superannuation come the time of retirement. So it can kinda be a a a stop gap in between.\n\nChannel 1: Is this\n\nChannel 0: There\n\nChannel 1: is\n\nChannel 0: are\n\nChannel 1: this\n\nChannel 0: other\n\nChannel 1: something\n\nChannel 0: options\n\nChannel 1: is this something\n\nChannel 0: sorry?\n\nChannel 1: that you can is this something you can use using my existing super or, like like, what what I've got there, or would it be, like,\n\nChannel 0: No.\n\nChannel 1: an\n\nChannel 0: No.\n\nChannel 1: additional\n\nChannel 0: It's out yeah. It's outside of super. So you'd you'd what it essentially,\n\nChannel 1: okay.\n\nChannel 0: what you do is use some of your savings out of out of the offset or if you were to put a $100 in another week or something like that. It's just to build your wealth outside of the super environment. Or,\n\nChannel 1: Alright.\n\nChannel 0: alternatively, you know, if you wanted to look at setting up a fund for your daughter when she's 25, for example. You can\n\nChannel 1: Oh, we've we've we've already got one of them going. She's already registered.\n\nChannel 0: build fantastic.\n\nChannel 1: Yeah. Yeah. Been\n\nChannel 0: Love\n\nChannel 1: laughing.\n\nChannel 0: it.\n\nChannel 1: Yeah. I think\n\nChannel 0: Love\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: think the wife opened the one when she was about 12 old, and just everyone's been chucked in there and it's back out.\n\nChannel 0: Wow. Good. That's awesome. Love to hear that. So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce\n\nChannel 1: No.\n\nChannel 0: debt\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: think\n\nChannel 0: build?\n\nChannel 1: that outside of it, I'll just leave how it is because I'll stay like that. Yeah. I'll just kind of leave that to the to the wife to she does\n\nChannel 0: Yep.\n\nChannel 1: all that. Yeah.\n\nChannel 0: Absolutely\n\nChannel 1: So\n\nChannel 0: fine.\n\nChannel 1: I'll just kind\n\nChannel 0: Absolutely.\n\nChannel 1: of stay with that one.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk. So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash,\n\nChannel 1: Yep.\n\nChannel 0: for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation\n\nChannel 1: Yes.\n\nChannel 0: with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years. So given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile. So my question to you is is are you comfortable with your growth risk profile? Would you like to take a little bit more risk, or would you like to reduce the risk?\n\nChannel 1: I don't know. What do you reckon?\n\nChannel 0: What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit. So I might just complete a risk profile with you and\n\nChannel 1: So\n\nChannel 0: see what you\n\nChannel 1: I\n\nChannel 0: come out.\n\nChannel 1: I could see see, like, other people that kinda went with the big ones as a paid off label.\n\nChannel 0: I'm sorry?\n\nChannel 1: Like, I can ask this here, like, you know, people in the high risk bracket, if there's a, like, there's a there's a payoff payoff more often than not or, like, what's the\n\nChannel 0: The difference being between yours and the next one up is you've got an extra 10% roughly allocated to your growth assets. The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years. So that still fits within your profile or your time frame. It's just how you feel towards risk. So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel?\n\nWould you want to be investing more funds for growth? Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash?\n\nChannel 1: I'm not, to be honest with you. Yeah. No. I'll probably\n\nChannel 0: So\n\nChannel 1: just keep it as it is, I guess. Seems to be working alright. Yeah.\n\nChannel 0: yep. Keep it as gross. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Nope. That's absolutely fine. We can do that. And we can check-in every year. That's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to.\n\nChannel 1: So I've I've, like since since I've started with, I've I've definitely got growth now.\n\nChannel 0: You have. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: So you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or?\n\nChannel 0: Look. I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile. It's it's really a a sleep what I like to refer to as a sleep at night test. So\n\nChannel 1: If if if if it was you, what would you do?\n\nChannel 0: well, I'm not I'm 41, so I'm similar age to yourself. I'm invested in a high growth portfolio because I've got time on my side. I can\n\nChannel 1: Just\n\nChannel 0: withstand\n\nChannel 1: just stick stick stick us on the same one as you. We'll\n\nChannel 0: well,\n\nChannel 1: just\n\nChannel 0: I can\n\nChannel 1: go\n\nChannel 0: withstand\n\nChannel 1: for it.\n\nChannel 0: yeah. I can withstand the way I see it is that I can withstand the the market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: I mean, if I was 50, I would be probably looking at maybe decreasing my allocation to growth assets a little bit, not a lot because I still would have ten years on my side to be able to withstand the market fluctuations. But that's just the benefit of having a review. We we do this regularly to make sure that, you know, there's no guarantee to make sure that, you know, there's no guarantee. The markets will always react. I'm sure, you know\n\nChannel 1: Yeah. 100% good.\n\nChannel 0: you know, COVID, for example, you saw everything fall through the roof, and there was no value in anything. So it's really about your comfort.\n\nChannel 1: Yeah. Yeah. Yeah. I'm I'm musical on, I guess. Get yeah.\n\nLike, honestly, I can if you've got someone that's working for you and you're right, just just yeah. Just whatever you want. Just stick me on the same one. Fuck. Let's give it a go.\n\nChannel 0: Alright. Well, we can have a look at a high growth portfolio for you.\n\nChannel 1: Yeah. Sweet sweet. That's what\n\nChannel 0: What\n\nChannel 1: you're on?\n\nChannel 0: I'm yes. I'm in a high\n\nChannel 1: Yeah.\n\nChannel 0: growth\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: portfolio.\n\nChannel 1: Just stick\n\nChannel 0: Yeah.\n\nChannel 1: it stick it on that.\n\nChannel 0: Alright. So when you have a chance, you when you see your emails, you're gonna see APAC. I'll quickly run through what they are. It's the first page is a summary just letting you know what your super's at. It's currently just shot it's you're with Hub twenty four, and it's at a $149,149.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you happy with Hubs so far and no issues?\n\nChannel 1: Yeah. Any any polyglot?\n\nChannel 0: Yeah. Fantastic. And your ClearView insurance policy. So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month. Now\n\nChannel 1: Okay.\n\nChannel 0: I'm just gonna do a quick calculation. Oh my gosh. I can't type today. Sorry. I think you might be just a bit short on your income protection, some insured.\n\nSo\n\nChannel 1: Nope.\n\nChannel 0: you're insured for $5,028 a month. But based on your income of $1.50, your some insured should sit somewhere between should sit something more like 8,750 a month.\n\nChannel 1: Yep.\n\nChannel 0: I'm not sure if that's something that you wanna review. It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen. The same would need to occur for any increase. So your existing cover remains unchanged, but the increase would need to go through underwriting. Basically, I think you need to consider if you were unable to work due to injury or illness, would $5,028 a month meet all the expenses you need, or do we need to look at increasing that?\n\nChannel 1: Probably get the increase, I reckon.\n\nChannel 0: Yeah. Okay. I'm gonna have a look into that. So that's part of my\n\nChannel 1: Yeah. Me me me monthly is quite a bit more\n\nChannel 0: homework.\n\nChannel 1: than\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: current monthly.\n\nChannel 0: Okay. Yeah. So with income protection, you can only insure up to 70% of your your taxable income. So the sitting it's on on one fifty, we're sitting at 8,750 a month. If you could double check what your actual annual income is, that would be helpful.\n\nI can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you?\n\nChannel 1: Yeah.\n\nChannel 0: The next document in the pack is your performance with hub twenty four. So the last twelve months, we've seen a significant negative return with one fund,\n\nChannel 1: Mhmm.\n\nChannel 0: which I have highlighted to talk to you about about looking at options to replace. So it's the Bennelong Australian Equities Fund. It it ran at a loss at 14% this last twelve months.\n\nChannel 1: Okay.\n\nChannel 0: Not great. The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example.\n\nChannel 1: Yeah.\n\nChannel 0: Their mandate is that they look for funds in the Australian market that they feel are undervalued and have room for significant\n\nChannel 1: So\n\nChannel 0: growth. Now\n\nChannel 1: I kinda how come we get rid of them and try\n\nChannel 0: sorry?\n\nChannel 1: someone else's\n\nChannel 0: Yes.\n\nChannel 1: way?\n\nChannel 0: A 100. So\n\nChannel 1: Yeah.\n\nChannel 0: part of another part of my homework is is that I'm gonna look at alternative options for you to get rid of them. The other one in your funds that I wanna look at replacing is the beta bank hybrid. So that's your bank hybrid investments. They're they've performed fine. I mean, it's a defensive asset.\n\nThe return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest product. But\n\nChannel 1: Yeah.\n\nChannel 0: what's happening with the the banking system in Australia at the moment is hybrids are gonna be phased out. So by January 2027, they're no longer gonna exist. So I wanna look at being a little bit more proactive and see you know, not wait till they're phased out and\n\nChannel 1: Yeah.\n\nChannel 0: replace them then. I'd rather\n\nChannel 1: Yeah.\n\nChannel 0: look and see if we can get a little bit ahead. You know, there's I don't know if they're gonna drop in value or anything like that, but I think it I'd rather be proactive with our approach to that. So if you're happy with that, I'd like to look at reviewing both of those.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And the rest of your portfolio has performed really well. You've got exposure to global cyber, your battery tech and lithium,\n\nChannel 1: Yep.\n\nChannel 0: which have all performed about 3332%.\n\nChannel 1: Beautiful.\n\nChannel 0: These are your satellite what we call satellite investments. So they're niche type sectors. You don't have huge exposure to those amounts or those those funds, let's call them,\n\nChannel 1: Uh-huh.\n\nChannel 0: but their performance has been pretty good. And, additionally, you've got your international exposure across America, Asia, Europe, and some global so some global health. So you've got a pretty good good exposure there to your growth assets. So the twelve month return altogether was only 2.41%, which is not great. But in the next we've also included the six month one for you.\n\nSo for the last six months, you'll see that it's starting to bounce back, and we're sitting at 4.56%. So we're on target to hitting that gross return\n\nChannel 1: Beautiful.\n\nChannel 0: in\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: was\n\nChannel 0: next twelve months.\n\nChannel 1: taught I was taught\n\nChannel 0: Yep.\n\nChannel 1: to one of the lads about the shares in graphene. And I forgot to do. You say anything in there, like graphene shares?\n\nChannel 0: About the what? Sorry.\n\nChannel 1: Graphene shares. Shares in graphene investment in graphene.\n\nChannel 0: I haven't heard anything. I can have a look\n\nChannel 1: Yeah.\n\nChannel 0: and have a do a bit of research on it. Definitely.\n\nChannel 1: Yeah. Just hoping I've been yeah. You heard of graphene?\n\nChannel 0: No. No.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: It's it's it's probably coming to the battery tech, but specifically it was off the the graphene\n\nChannel 0: yeah.\n\nChannel 1: itself.\n\nChannel 0: I can okay. Alright. I'll do a little bit of research and see what we can find.\n\nChannel 1: Yeah. Very easy. Yeah. So I've something\n\nChannel 0: Okay.\n\nChannel 1: I'll probably look at investing quite a bit\n\nChannel 0: Okay.\n\nChannel 1: if we can get something going with that.\n\nChannel 0: Yep. So, like, the lithium and all\n\nChannel 1: Yeah.\n\nChannel 0: those\n\nChannel 1: It's\n\nChannel 0: sorts\n\nChannel 1: it's it's it's basically the next level. Like, it's sort of it's\n\nChannel 0: of\n\nChannel 1: up from lithium.\n\nChannel 0: things? Yeah. The\n\nChannel 1: It's\n\nChannel 0: next\n\nChannel 1: just worth\n\nChannel 0: level\n\nChannel 1: having a\n\nChannel 0: are\n\nChannel 1: look. So it's good. Yeah.\n\nChannel 0: okay.\n\nChannel 1: G h g r a p h I n e. And then, yeah, check check it out. And what the.\n\nChannel 0: Okay. Alright. I can have a look at that and do a little bit of research as part of what we're looking at for sure.\n\nChannel 1: Beautiful. Yep. Sweet.\n\nChannel 0: The next document is just the Vanguard\n\nChannel 1: Yeah.\n\nChannel 0: index chart. So it's a visual. It just explains to you it's a visual basically that shows how the different sectors react. So US shares, Australian shares, international shares. So the top four in that are your growth assets.\n\nSo that's where 80% of your your portfolio is invested. If we go to a higher high growth, it's gonna be about 90% invested in those top four with the\n\nChannel 1: Yeah.\n\nChannel 0: remaining invested in bonds and cash. Your we've talked about income protection. Your life insurance is sitting at a million 149,123. Now if we look at your debts, it's looking like it would just cover the debt. Is is that something you're comfortable with, or did you wanna cover did you wanna look at increasing those insurance pre those insurance levels?\n\nChannel 1: I think for the well, just for the time being, we'll probably just leave that as is.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: That's absolutely fine. Because there are asset if the debts were paid, there's obviously assets there for Lisa and\n\nChannel 1: And\n\nChannel 0: Mackenzie.\n\nChannel 1: we can see.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, it's as long as it's something that you're comfortable with, there's no issues there. It's just about what you're wanting to achieve and how what as long as it's that's appropriate for Lisa and Mackenzie.\n\nChannel 1: Yep. Sure, sir.\n\nChannel 0: The next document is your our financial services guide. It's in the pack. It's available on the website. It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it. And if you don't like us, how you can make a complaint.\n\nChannel 1: Yeah. I'm not even gonna call on me. I need my boss.\n\nChannel 0: Beautiful. And there's and the last two documents do require your electronic signature. So as you go through these documents when you get a chance, you'll be able to sign them electronically.\n\nChannel 1: Got\n\nChannel 0: The the one of the documents is the ongoing\n\nChannel 1: it.\n\nChannel 0: adviser fee. So that's the fee that we charge you from your hub twenty four account. That fee sits at $215.33 per month. Now that covers you for your annual reviews, us to take care of your superannuation, make any changes when we need to. But it also doesn't what some people don't probably realize is is that you're not just limited to one annual review.\n\nIf you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email. We're here to help regardless. That's what your fee covers. So if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back. Any questions about fees?\n\nChannel 1: No. That's wrong, really.\n\nChannel 0: No. Beautiful. And then the last document in your pack is your tax file number authority. So we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it. Now to ensure that, you know, we meet privacy rules, we just ask because we hold it on file that you acknowledge that you're okay with us doing that.\n\nSo by signing that form, that's that's just you saying, yeah. That's fine. No worries at all.\n\nChannel 1: Yes. Hold on. Yeah. No problem.\n\nChannel 0: Beautiful. The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination. Now, yes, we\n\nChannel 1: Alright.\n\nChannel 0: need to get that set up. So would that go to Lisa?\n\nChannel 1: Yeah. Yeah. Just a hard stuff. Got this later.\n\nChannel 0: Yep. Now I wanna make sure I have the spelling of Lisa's name right. Is it l e s a?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And same surname as yourself?\n\nChannel 1: Yeah. Yep. Middle name is\n\nChannel 0: Yep.\n\nChannel 1: Jayne, j a y n e.\n\nChannel 0: J a y. And what's her date of birth? Have I got you?\n\nChannel 1: Yeah. Yeah. 01/20/1982.\n\nChannel 0: Eighty two.\n\nChannel 1: Yeah. I got it right. It's not that.\n\nChannel 0: So what we'll do is we can prefill that and send it to you. It does need to be signed, so wet signature. Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it?\n\nChannel 1: And I can do it at work, mate. So I can just print it out of work really.\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: I'll\n\nChannel 1: Sweet.\n\nChannel 0: get that arranged. And the only other question is to allow me to prefill it so there's no extra admin for yourself. There's two types of nominations. They're both binding, which means the trustee is bound by your decision. One lapses and one doesn't lapse.\n\nSo every three years, you have to renew it. The non lapsing one is it's only changed when you fill out a new beneficiary form. So\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: They\n\nChannel 0: would be\n\nChannel 1: would\n\nChannel 0: your do\n\nChannel 1: yeah. They're they're the ones\n\nChannel 0: you\n\nChannel 1: that you they're not to keep doing\n\nChannel 0: have\n\nChannel 1: it.\n\nChannel 0: any questions for me? Do you have any questions for me?\n\nChannel 1: No. No. Well, good.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: So what I'm gonna do from here is I'm\n\nChannel 1: Spot\n\nChannel 0: gonna shoot you an email with those couple of\n\nChannel 1: on.\n\nChannel 0: details that I do need from you,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then I'm going to start researching some options to look at replacements on those funds and some other little bits. That process will take me about two weeks. So\n\nChannel 1: Yeah.\n\nChannel 0: in about two weeks, you'll hear from the team just to book in another appointment to go through those recommended changes.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Switch. Switch.\n\nChannel 0: the only thing that may delay that is just getting your annual income confirmed so I can look at the income protection. So\n\nChannel 1: Yeah. Too\n\nChannel 0: it\n\nChannel 1: easy.\n\nChannel 0: maybe say two to three weeks at the at worst. But did you wanna look at replacing your insurance company, or are you happy with Clear\n\nChannel 1: Yeah. I need dramas\n\nChannel 0: View?\n\nChannel 1: like we are. Yeah. Spot on.\n\nChannel 0: Yep. Alright.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Alright. Well, I'll get to work on the things I need to do. And if you can send me through the other information when I send you an email, that would be fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And I I'll definitely be in contact to go over the the new advice with you when it's available.\n\nChannel 1: I just took everything on the email. Like, you know, exactly what you need, and then I'll sort it\n\nChannel 0: Beautiful. Thanks so much, Darren.\n\nChannel 1: over\n\nChannel 0: I\n\nChannel 1: here.\n\nChannel 0: hope\n\nChannel 1: Hey,\n\nChannel 0: you\n\nChannel 1: brother.\n\nChannel 0: have a lovely evening.\n\nChannel 1: Hey.\n\nChannel 0: And if\n\nChannel 1: What's\n\nChannel 0: you\n\nChannel 1: up?\n\nChannel 0: need\n\nChannel 1: Hey.\n\nChannel 0: anything,\n\nChannel 1: Yeah.\n\nChannel 0: give me a buzz.\n\nChannel 1: So you're watching the forty nine eight later?\n\nChannel 0: Tonight,\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: It's pretty\n\nChannel 0: might.\n\nChannel 1: old. It was a pretty\n\nChannel 0: It depends.\n\nChannel 1: old pretty old oxen. Yeah.\n\nChannel 0: Oh, is it? Okay. I might. It depends what time I can get my son to bed. Otherwise, he'll wanna sit up and watch it.\n\nAnd then it's a let's call it a\n\nChannel 1: Yeah. Shit.\n\nChannel 0: headache\n\nChannel 1: Sure.\n\nChannel 0: tomorrow\n\nChannel 1: Yeah.\n\nChannel 0: morning.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I was gonna say that. I was gonna say\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah. Yeah. Yeah. That's alright. Go for it.\n\nChannel 0: Beautiful. Alright. Well, you enjoy the footy then, and\n\nChannel 1: Alright, Spotter.\n\nChannel 0: I'll speak to you in a couple of weeks.\n\nChannel 1: Lovely. Alright. Thank you.\n\nChannel 0: Thanks, Darren.\n\nChannel 1: Catch\n\nChannel 0: Bye.\n\nChannel 1: you, mate. Sure. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.02542225643992424}],"sentiment":"neutral","sentiment_score":0.02542225643992424,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Darren.","start":2.0,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.09192172437906265},{"text":"It's Jenna here from Oakview Financial.","start":2.8799999,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.14051259805758795},{"text":"How are you?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.12401230881611507}],"sentiment":"neutral","sentiment_score":0.12717781486836346,"channel":0,"num_words":11,"start":2.0,"end":5.7},{"sentences":[{"text":"Yeah.","start":5.7599998,"end":5.92,"sentiment":"neutral","sentiment_score":0.24109429121017456},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.5099650621414185},{"text":"Thanks.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5743932723999023},{"text":"Yourself?","start":6.3999996,"end":6.8999996,"sentiment":"positive","sentiment_score":0.33488211035728455}],"sentiment":"positive","sentiment_score":0.415083684027195,"channel":1,"num_words":4,"start":5.7599998,"end":6.8999996},{"sentences":[{"text":"Good.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.3200054168701172},{"text":"Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes.","start":8.16,"end":12.82,"sentiment":"neutral","sentiment_score":0.07340993088754741},{"text":"Is that alright?","start":12.885,"end":13.545,"sentiment":"neutral","sentiment_score":0.08168188979228337}],"sentiment":"neutral","sentiment_score":0.08384882945280808,"channel":0,"num_words":26,"start":7.68,"end":13.545},{"sentences":[{"text":"Yeah.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":0.1192481443285942},{"text":"Yeah.","start":13.92,"end":14.08,"sentiment":"neutral","sentiment_score":0.2174144685268402},{"text":"That's all 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much.","start":31.3,"end":32.52,"sentiment":"positive","sentiment_score":0.5218894183635712},{"text":"How's your day been so far?","start":32.739998,"end":34.2,"sentiment":"neutral","sentiment_score":0.19767891615629196}],"sentiment":"positive","sentiment_score":0.3380013392730193,"channel":0,"num_words":11,"start":30.82,"end":34.2},{"sentences":[{"text":"Yeah.","start":34.77,"end":35.01,"sentiment":"neutral","sentiment_score":0.04524970054626465},{"text":"So far, I would like yeah.","start":35.01,"end":36.63,"sentiment":"neutral","sentiment_score":0.021886325751741726},{"text":"Can can know what about those?","start":37.65,"end":39.27,"sentiment":"neutral","sentiment_score":0.032885074615478516}],"sentiment":"neutral","sentiment_score":0.028759854057660468,"channel":1,"num_words":13,"start":34.77,"end":39.27},{"sentences":[{"text":"Yeah.","start":40.164997,"end":40.565,"sentiment":"neutral","sentiment_score":0.11319682747125626},{"text":"Good.","start":40.565,"end":40.805,"sentiment":"neutral","sentiment_score":0.24095603823661804},{"text":"Thanks.","start":40.805,"end":41.125,"sentiment":"neutral","sentiment_score":0.3200996518135071},{"text":"Good.","start":41.125,"end":41.364998,"sentiment":"neutral","sentiment_score":0.32332277297973633},{"text":"Thanks.","start":41.364998,"end":41.864998,"sentiment":"positive","sentiment_score":0.3793297111988067}],"sentiment":"neutral","sentiment_score":0.2753810003399849,"channel":0,"num_words":5,"start":40.164997,"end":41.864998},{"sentences":[{"text":"I'm just going to run through your annual 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that?","start":45.844997,"end":47.704998,"sentiment":"neutral","sentiment_score":0.07950680004432797}],"sentiment":"neutral","sentiment_score":0.1124594630125691,"channel":0,"num_words":17,"start":42.644997,"end":47.704998},{"sentences":[{"text":"Yeah.","start":48.005,"end":48.245003,"sentiment":"neutral","sentiment_score":0.05557618290185928},{"text":"Yeah.","start":48.245003,"end":48.565002,"sentiment":"neutral","sentiment_score":0.07540297508239746},{"text":"Yeah.","start":48.565002,"end":49.065002,"sentiment":"neutral","sentiment_score":0.14104078710079193}],"sentiment":"neutral","sentiment_score":0.09067331502834956,"channel":1,"num_words":3,"start":48.005,"end":49.065002},{"sentences":[{"text":"Fantastic.","start":49.684998,"end":50.184998,"sentiment":"neutral","sentiment_score":0.31065690517425537},{"text":"Alright.","start":50.725,"end":51.225,"sentiment":"neutral","sentiment_score":0.14898957312107086},{"text":"What I'll do is do you have access to your emails at all?","start":52.69,"end":55.829998,"sentiment":"neutral","sentiment_score":0.0476084308555493}],"sentiment":"neutral","sentiment_score":0.07190373862783114,"channel":0,"num_words":15,"start":49.684998,"end":55.829998},{"sentences":[{"text":"Yeah.","start":57.52,"end":57.76,"sentiment":"neutral","sentiment_score":-0.016009487211704254},{"text":"No.","start":57.76,"end":58.079998,"sentiment":"neutral","sentiment_score":-0.05063188448548317},{"text":"But not at the minute.","start":58.079998,"end":59.3,"sentiment":"neutral","sentiment_score":-0.06571203768253327}],"sentiment":"neutral","sentiment_score":-0.05645736572997911,"channel":1,"num_words":7,"start":57.52,"end":59.3},{"sentences":[{"text":"No.","start":59.809998,"end":60.05,"sentiment":"neutral","sentiment_score":-0.0774051696062088},{"text":"That's okay.","start":60.05,"end":60.79,"sentiment":"neutral","sentiment_score":-0.014936797320842743},{"text":"Then shortly, I'll send through a review 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myself.","start":72.90501,"end":75.005005,"sentiment":"neutral","sentiment_score":-0.0036579894367605448},{"text":"But","start":75.545006,"end":75.865005,"sentiment":"neutral","sentiment_score":0.011542297899723051}],"sentiment":"neutral","sentiment_score":0.0022608479664016226,"channel":0,"num_words":13,"start":69.705,"end":75.865005},{"sentences":[{"text":"Yeah.","start":75.645,"end":75.965,"sentiment":"neutral","sentiment_score":0.011217385530471802}],"sentiment":"neutral","sentiment_score":0.011217385530471802,"channel":1,"num_words":1,"start":75.645,"end":75.965},{"sentences":[{"text":"before","start":75.865005,"end":76.185005,"sentiment":"neutral","sentiment_score":0.0007442161440849304}],"sentiment":"neutral","sentiment_score":0.0007442161440849304,"channel":0,"num_words":1,"start":75.865005,"end":76.185005},{"sentences":[{"text":"I 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one.","start":1005.715,"end":1006.77,"sentiment":"positive","sentiment_score":0.45326405167579653}],"sentiment":"positive","sentiment_score":0.45326405167579653,"channel":1,"num_words":5,"start":1005.715,"end":1006.77},{"sentences":[{"text":"Beautiful.","start":1007.91,"end":1008.41,"sentiment":"positive","sentiment_score":0.6652221083641052}],"sentiment":"positive","sentiment_score":0.6652221083641052,"channel":0,"num_words":1,"start":1007.91,"end":1008.41},{"sentences":[{"text":"Yep.","start":1008.53,"end":1009.03,"sentiment":"neutral","sentiment_score":0.24595634639263153}],"sentiment":"neutral","sentiment_score":0.24595634639263153,"channel":1,"num_words":1,"start":1008.53,"end":1009.03},{"sentences":[{"text":"Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk.","start":1010.47,"end":1020.265,"sentiment":"neutral","sentiment_score":0.061593142648537956},{"text":"So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash,","start":1021.92505,"end":1037.72,"sentiment":"neutral","sentiment_score":0.01861957392496307}],"sentiment":"neutral","sentiment_score":0.03173015421351134,"channel":0,"num_words":59,"start":1010.47,"end":1037.72},{"sentences":[{"text":"Yep.","start":1038.0599,"end":1038.5599,"sentiment":"neutral","sentiment_score":0.01799459010362625}],"sentiment":"neutral","sentiment_score":0.01799459010362625,"channel":1,"num_words":1,"start":1038.0599,"end":1038.5599},{"sentences":[{"text":"for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation","start":1038.1,"end":1047.775,"sentiment":"neutral","sentiment_score":-0.011657878963483704}],"sentiment":"neutral","sentiment_score":-0.011657878963483704,"channel":0,"num_words":18,"start":1038.1,"end":1047.775},{"sentences":[{"text":"Yes.","start":1048.62,"end":1049.12,"sentiment":"neutral","sentiment_score":-0.00995517522096634}],"sentiment":"neutral","sentiment_score":-0.00995517522096634,"channel":1,"num_words":1,"start":1048.62,"end":1049.12},{"sentences":[{"text":"with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years.","start":1048.7949,"end":1062.44,"sentiment":"neutral","sentiment_score":-0.20355611511816582},{"text":"So given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile.","start":1062.44,"end":1076.245,"sentiment":"neutral","sentiment_score":-0.0527329856594061},{"text":"So my question to you is is are you comfortable with your growth risk profile?","start":1076.865,"end":1081.6849,"sentiment":"neutral","sentiment_score":-0.0034972685078779858},{"text":"Would you like to take a little bit more risk, or would you like to reduce the risk?","start":1082.1449,"end":1087.47,"sentiment":"neutral","sentiment_score":-0.0794906032582124}],"sentiment":"neutral","sentiment_score":-0.09183596782819477,"channel":0,"num_words":86,"start":1048.7949,"end":1087.47},{"sentences":[{"text":"I don't know.","start":1088.9551,"end":1089.435,"sentiment":"neutral","sentiment_score":-0.12671982993682226},{"text":"What do you reckon?","start":1089.435,"end":1090.3351,"sentiment":"neutral","sentiment_score":-0.10537279397249222}],"sentiment":"neutral","sentiment_score":-0.11452152367149081,"channel":1,"num_words":7,"start":1088.9551,"end":1090.3351},{"sentences":[{"text":"What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit.","start":1092.09,"end":1110.4751,"sentiment":"neutral","sentiment_score":-0.032409345855315526},{"text":"So I might just complete a risk profile with you and","start":1111.1699,"end":1116.7699,"sentiment":"neutral","sentiment_score":0.020692618733102627}],"sentiment":"neutral","sentiment_score":-0.02197860281116196,"channel":0,"num_words":56,"start":1092.09,"end":1116.7699},{"sentences":[{"text":"So","start":1116.635,"end":1117.135,"sentiment":"neutral","sentiment_score":0.01684354618191719}],"sentiment":"neutral","sentiment_score":0.01684354618191719,"channel":1,"num_words":1,"start":1116.635,"end":1117.135},{"sentences":[{"text":"see what 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allocated to your growth assets.","start":1136.895,"end":1144.89,"sentiment":"neutral","sentiment_score":-0.0055439201268282804},{"text":"The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years.","start":1145.51,"end":1158.745,"sentiment":"neutral","sentiment_score":0.0021990987161795298},{"text":"So that still fits within your profile or your time frame.","start":1158.745,"end":1164.2849,"sentiment":"neutral","sentiment_score":0.14187806776978754},{"text":"It's just how you feel towards risk.","start":1164.9049,"end":1167.5449,"sentiment":"neutral","sentiment_score":0.010641918517649174},{"text":"So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel?","start":1167.5449,"end":1176.76,"sentiment":"neutral","sentiment_score":0.04041462253941142}],"sentiment":"neutral","sentiment_score":0.026975217335406813,"channel":0,"num_words":93,"start":1136.895,"end":1176.76},{"sentences":[{"text":"Would you want to be investing more funds for growth?","start":1176.76,"end":1179.8999,"sentiment":"neutral","sentiment_score":0.013747330009937286},{"text":"Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash?","start":1180.6,"end":1193.2351,"sentiment":"neutral","sentiment_score":-0.025176907831337303}],"sentiment":"neutral","sentiment_score":-0.015909232154843352,"channel":0,"num_words":42,"start":1176.76,"end":1193.2351},{"sentences":[{"text":"I'm not, to be honest with you.","start":1195.845,"end":1197.365,"sentiment":"neutral","sentiment_score":-0.15657028555870056},{"text":"Yeah.","start":1197.365,"end":1197.525,"sentiment":"neutral","sentiment_score":-0.044053755700588226},{"text":"No.","start":1197.525,"end":1198.025,"sentiment":"neutral","sentiment_score":-0.10322809964418413},{"text":"I'll probably","start":1201.365,"end":1201.765,"sentiment":"neutral","sentiment_score":-0.06480809859931469}],"sentiment":"neutral","sentiment_score":-0.12480818649584596,"channel":1,"num_words":11,"start":1195.845,"end":1201.765},{"sentences":[{"text":"So","start":1201.75,"end":1202.25,"sentiment":"neutral","sentiment_score":-0.07168284058570862}],"sentiment":"neutral","sentiment_score":-0.07168284058570862,"channel":0,"num_words":1,"start":1201.75,"end":1202.25},{"sentences":[{"text":"just keep it as it is, I guess.","start":1201.765,"end":1203.285,"sentiment":"neutral","sentiment_score":-0.0009981696493923664},{"text":"Seems to be working alright.","start":1203.285,"end":1204.405,"sentiment":"neutral","sentiment_score":0.17278722524642945},{"text":"Yeah.","start":1204.405,"end":1204.905,"sentiment":"neutral","sentiment_score":0.04096620529890061}],"sentiment":"neutral","sentiment_score":0.06406549816685063,"channel":1,"num_words":14,"start":1201.765,"end":1204.905},{"sentences":[{"text":"yep.","start":1205.27,"end":1205.77,"sentiment":"neutral","sentiment_score":0.02479490451514721},{"text":"Keep it as 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that.","start":1211.4299,"end":1212.49,"sentiment":"positive","sentiment_score":0.5943796932697296},{"text":"And we can check-in every year.","start":1212.9349,"end":1214.535,"sentiment":"positive","sentiment_score":0.42075010140736896},{"text":"That's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to.","start":1214.535,"end":1222.475,"sentiment":"positive","sentiment_score":0.46721991691096076}],"sentiment":"positive","sentiment_score":0.46810206459012144,"channel":0,"num_words":43,"start":1209.11,"end":1222.475},{"sentences":[{"text":"So I've I've, like since since I've started with, I've I've definitely got growth now.","start":1222.705,"end":1226.8049,"sentiment":"positive","sentiment_score":0.34477313458919523}],"sentiment":"positive","sentiment_score":0.34477313458919523,"channel":1,"num_words":15,"start":1222.705,"end":1226.8049},{"sentences":[{"text":"You 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you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or?","start":1228.945,"end":1232.885,"sentiment":"neutral","sentiment_score":0.07313714724861914}],"sentiment":"neutral","sentiment_score":0.07313714724861914,"channel":1,"num_words":18,"start":1228.945,"end":1232.885},{"sentences":[{"text":"Look.","start":1234.35,"end":1234.75,"sentiment":"neutral","sentiment_score":0.05099019408226013},{"text":"I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile.","start":1234.75,"end":1249.2749,"sentiment":"neutral","sentiment_score":0.089805369079113},{"text":"It's it's really a a sleep what I like to refer to as a sleep at night 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working for you and you're right, just just yeah.","start":1335.785,"end":1340.265,"sentiment":"neutral","sentiment_score":0.11470988247957495},{"text":"Just whatever you want.","start":1340.265,"end":1341.225,"sentiment":"neutral","sentiment_score":0.02317048516124487},{"text":"Just stick me on the same one.","start":1341.225,"end":1342.345,"sentiment":"neutral","sentiment_score":-0.12493570574692317},{"text":"Fuck.","start":1342.345,"end":1342.585,"sentiment":"negative","sentiment_score":-0.5803982019424438},{"text":"Let's give it a go.","start":1342.585,"end":1343.725,"sentiment":"neutral","sentiment_score":-0.29237455129623413}],"sentiment":"neutral","sentiment_score":-0.02169603066784995,"channel":1,"num_words":35,"start":1335.785,"end":1343.725},{"sentences":[{"text":"Alright.","start":1344.33,"end":1344.73,"sentiment":"neutral","sentiment_score":0.0633239597082138},{"text":"Well, we can have a look at a high growth portfolio for 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APAC.","start":1357.995,"end":1362.255,"sentiment":"neutral","sentiment_score":0.09971786756068468},{"text":"I'll quickly run through what they are.","start":1363.355,"end":1365.3,"sentiment":"neutral","sentiment_score":0.11384367623499461},{"text":"It's the first page is a summary just letting you know what your super's at.","start":1365.4601,"end":1369.22,"sentiment":"neutral","sentiment_score":0.14097264607747395},{"text":"It's currently just shot it's you're with Hub twenty four, and it's at a $149,149.","start":1369.22,"end":1377.0801,"sentiment":"neutral","sentiment_score":0.08050084859132767}],"sentiment":"neutral","sentiment_score":0.10794911947515276,"channel":0,"num_words":54,"start":1357.515,"end":1377.0801},{"sentences":[{"text":"Mhmm.","start":1377.605,"end":1378.105,"sentiment":"neutral","sentiment_score":0.09416667371988297}],"sentiment":"neutral","sentiment_score":0.09416667371988297,"channel":1,"num_words":1,"start":1377.605,"end":1378.105},{"sentences":[{"text":"Are you happy with Hubs so far and no issues?","start":1379.1849,"end":1382.085,"sentiment":"neutral","sentiment_score":0.2372339501976967}],"sentiment":"neutral","sentiment_score":0.2372339501976967,"channel":0,"num_words":10,"start":1379.1849,"end":1382.085},{"sentences":[{"text":"Yeah.","start":1382.58,"end":1383.06,"sentiment":"neutral","sentiment_score":0.0685746818780899},{"text":"Any any polyglot?","start":1383.06,"end":1384.2,"sentiment":"neutral","sentiment_score":0.08497312664985657}],"sentiment":"neutral","sentiment_score":0.0808735154569149,"channel":1,"num_words":4,"start":1382.58,"end":1384.2},{"sentences":[{"text":"Yeah.","start":1385.265,"end":1385.765,"sentiment":"neutral","sentiment_score":0.28748583793640137},{"text":"Fantastic.","start":1385.905,"end":1386.405,"sentiment":"positive","sentiment_score":0.5621028542518616},{"text":"And your ClearView insurance policy.","start":1387.1849,"end":1389.345,"sentiment":"neutral","sentiment_score":0.32697092890739443},{"text":"So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month.","start":1389.345,"end":1405.6799,"sentiment":"neutral","sentiment_score":0.17864153175442307},{"text":"Now","start":1406.22,"end":1406.72,"sentiment":"neutral","sentiment_score":0.06040867418050766}],"sentiment":"neutral","sentiment_score":0.21051923909357617,"channel":0,"num_words":35,"start":1385.265,"end":1406.72},{"sentences":[{"text":"Okay.","start":1406.325,"end":1406.825,"sentiment":"neutral","sentiment_score":0.04062267392873764}],"sentiment":"neutral","sentiment_score":0.04062267392873764,"channel":1,"num_words":1,"start":1406.325,"end":1406.825},{"sentences":[{"text":"I'm just gonna do a quick calculation.","start":1407.955,"end":1409.8949,"sentiment":"neutral","sentiment_score":0.030301900846617564},{"text":"Oh my gosh.","start":1411.715,"end":1412.595,"sentiment":"neutral","sentiment_score":-0.11287313451369603},{"text":"I can't type today.","start":1412.595,"end":1413.815,"sentiment":"neutral","sentiment_score":-0.23201934248209},{"text":"Sorry.","start":1414.5149,"end":1415.0149,"sentiment":"neutral","sentiment_score":-0.21745769679546356},{"text":"I think you might be just a bit short on your income protection, some 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month.","start":1436.635,"end":1449.71,"sentiment":"neutral","sentiment_score":-0.005689070983366532}],"sentiment":"neutral","sentiment_score":-0.01375026475372059,"channel":0,"num_words":28,"start":1431.8351,"end":1449.71},{"sentences":[{"text":"Yep.","start":1450.015,"end":1450.515,"sentiment":"neutral","sentiment_score":-0.019319305196404457}],"sentiment":"neutral","sentiment_score":-0.019319305196404457,"channel":1,"num_words":1,"start":1450.015,"end":1450.515},{"sentences":[{"text":"I'm not sure if that's something that you wanna review.","start":1451.5299,"end":1454.11,"sentiment":"neutral","sentiment_score":-0.17478050664067268},{"text":"It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen.","start":1456.2351,"end":1465.295,"sentiment":"neutral","sentiment_score":-0.1736574684354392},{"text":"The same would need to occur for any 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helpful.","start":1521.9651,"end":1527.9199,"sentiment":"neutral","sentiment_score":0.0685240720709165}],"sentiment":"neutral","sentiment_score":0.03289416325377657,"channel":0,"num_words":47,"start":1504.5499,"end":1527.9199},{"sentences":[{"text":"I can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you?","start":1527.9199,"end":1539.46,"sentiment":"neutral","sentiment_score":0.0674511818215251}],"sentiment":"neutral","sentiment_score":0.0674511818215251,"channel":0,"num_words":28,"start":1527.9199,"end":1539.46},{"sentences":[{"text":"Yeah.","start":1539.8251,"end":1540.3251,"sentiment":"neutral","sentiment_score":-0.04547912627458573}],"sentiment":"neutral","sentiment_score":-0.04547912627458573,"channel":1,"num_words":1,"start":1539.8251,"end":1540.3251},{"sentences":[{"text":"The next document in the pack is your performance with hub twenty 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that's your bank hybrid investments.","start":1616.12,"end":1618.22,"sentiment":"neutral","sentiment_score":0.15830483163396517},{"text":"They're they've performed fine.","start":1619.16,"end":1621.0,"sentiment":"positive","sentiment_score":0.5216628238558769},{"text":"I mean, it's a defensive asset.","start":1621.0,"end":1622.4092,"sentiment":"positive","sentiment_score":0.352223018805186}],"sentiment":"neutral","sentiment_score":0.03162009594962001,"channel":0,"num_words":56,"start":1604.985,"end":1622.4092},{"sentences":[{"text":"The return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest 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was gonna say that.","start":2294.22,"end":2295.4202,"sentiment":"neutral","sentiment_score":-0.028897849097847938},{"text":"I was gonna 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alright.","start":2297.405,"end":2298.125,"sentiment":"neutral","sentiment_score":0.2427445501089096},{"text":"Go for it.","start":2298.125,"end":2298.945,"sentiment":"positive","sentiment_score":0.4304175178209941}],"sentiment":"neutral","sentiment_score":0.23865143558941782,"channel":1,"num_words":8,"start":2296.7651,"end":2298.945},{"sentences":[{"text":"Beautiful.","start":2300.1401,"end":2300.6401,"sentiment":"positive","sentiment_score":0.7297107577323914},{"text":"Alright.","start":2301.1028,"end":2301.3428,"sentiment":"positive","sentiment_score":0.5274100303649902},{"text":"Well, you enjoy the footy then, and","start":2301.3428,"end":2303.3628,"sentiment":"positive","sentiment_score":0.604514581816537}],"sentiment":"positive","sentiment_score":0.6098580956459045,"channel":0,"num_words":9,"start":2300.1401,"end":2303.3628},{"sentences":[{"text":"Alright, Spotter.","start":2303.085,"end":2303.733,"sentiment":"positive","sentiment_score":0.3841492682695389}],"sentiment":"positive","sentiment_score":0.3841492682695389,"channel":1,"num_words":2,"start":2303.085,"end":2303.733},{"sentences":[{"text":"I'll speak to you in a couple of weeks.","start":2303.4229,"end":2305.3628,"sentiment":"neutral","sentiment_score":0.2985864231983821}],"sentiment":"neutral","sentiment_score":0.2985864231983821,"channel":0,"num_words":9,"start":2303.4229,"end":2305.3628},{"sentences":[{"text":"Lovely.","start":2305.4128,"end":2305.813,"sentiment":"positive","sentiment_score":0.7946109771728516},{"text":"Alright.","start":2305.813,"end":2306.213,"sentiment":"positive","sentiment_score":0.6057524681091309},{"text":"Thank you.","start":2306.213,"end":2307.273,"sentiment":"positive","sentiment_score":0.7912482619285583}],"sentiment":"positive","sentiment_score":0.7457149922847748,"channel":1,"num_words":4,"start":2305.4128,"end":2307.273},{"sentences":[{"text":"Thanks, Darren.","start":2307.6628,"end":2308.563,"sentiment":"positive","sentiment_score":0.6952005922794342}],"sentiment":"positive","sentiment_score":0.6952005922794342,"channel":0,"num_words":2,"start":2307.6628,"end":2308.563},{"sentences":[{"text":"Catch","start":2308.773,"end":2309.093,"sentiment":"positive","sentiment_score":0.6155611276626587}],"sentiment":"positive","sentiment_score":0.6155611276626587,"channel":1,"num_words":1,"start":2308.773,"end":2309.093},{"sentences":[{"text":"Bye.","start":2308.8628,"end":2309.3628,"sentiment":"positive","sentiment_score":0.4089481830596924}],"sentiment":"positive","sentiment_score":0.4089481830596924,"channel":0,"num_words":1,"start":2308.8628,"end":2309.3628},{"sentences":[{"text":"you, mate.","start":2309.093,"end":2309.733,"sentiment":"positive","sentiment_score":0.45012444257736206},{"text":"Sure.","start":2309.733,"end":2310.053,"sentiment":"neutral","sentiment_score":0.3011428415775299},{"text":"Bye.","start":2310.053,"end":2310.553,"sentiment":"neutral","sentiment_score":0.23817631602287292}],"sentiment":"positive","sentiment_score":0.35989201068878174,"channel":1,"num_words":4,"start":2309.093,"end":2310.553},{"sentences":[{"text":"Bye.","start":2310.223,"end":2310.723,"sentiment":"neutral","sentiment_score":-0.12575145065784454}],"sentiment":"neutral","sentiment_score":-0.12575145065784454,"channel":0,"num_words":1,"start":2310.223,"end":2310.723}]},"summary":{"result":"success","short":"Representatives from Oakview Financial update the customer's personal and financial information, updating their income, expenses, and debt. They discuss retirement goals and retirement plans, including mortgage repayments and savings. The speaker suggests sending a copy of the financial information and emphasizes the importance of staying with their current risk profile. They also discuss investment opportunities and retirement plans, including the Vanguard index chart and the possibility of investing in growth assets. The agent provides information on the financial services guide and updating insurance coverage, including updating coverage for the customer. They also discuss potential replacements for the customer's insurance coverage and offer assistance with any questions."},"intents":{"segments":[{"text":"Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes. Is that alright? Yeah.","start_word":17,"end_word":42,"intents":[{"intent":"Confirm call recording","confidence_score":0.27161032}]},{"text":"And, Darren, can I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":49,"end_word":67,"intents":[{"intent":"Confirm details","confidence_score":0.10011449}]},{"text":"I'm just going to run through your annual review. Do you still have time to do that? Yeah. Yeah. Yeah.","start_word":115,"end_word":134,"intents":[{"intent":"Run annual review","confidence_score":0.05492485}]},{"text":"My income what's my income now roughly? Roughly?","start_word":611,"end_word":618,"intents":[{"intent":"Update income","confidence_score":0.14119151},{"intent":"Check expenses","confidence_score":0.11108685}]},{"text":"And do you make any additional contributions to super besides what your employer No. Just just want does?","start_word":696,"end_word":713,"intents":[{"intent":"Make additional contributions","confidence_score":0.2130084}]},{"text":"which property is this?","start_word":786,"end_word":789,"intents":[{"intent":"Update property","confidence_score":0.5370677}]},{"text":"The what's the carafe property worth?","start_word":891,"end_word":896,"intents":[{"intent":"Update carafe","confidence_score":0.016744424}]},{"text":"And what's the debt against that?","start_word":921,"end_word":926,"intents":[{"intent":"Clarify debt level","confidence_score":0.00042946934}]},{"text":"So the la one one of them was that you wanna pay off your mortgage as soon as possible so you can start saving for a time and and enjoy that as much as possible. Is that still a goal of yours? Yeah.","start_word":1588,"end_word":1630,"intents":[{"intent":"Inform home saving strategy","confidence_score":1.9231761e-7}]},{"text":"And in you basically ensure that you have suitable insurance in place. Yeah, So, guys.","start_word":1949,"end_word":1963,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.01461843}]},{"text":"well, we we just pretty much put everything on the offsets. Yeah. Okay.","start_word":2153,"end_word":2165,"intents":[{"intent":"Clarify if offsetting should be changed","confidence_score":2.3803605e-7}]},{"text":"Do you know what the balance of your offset is at the moment roughly? Oh, no idea.","start_word":2166,"end_word":2182,"intents":[{"intent":"Check offsetting balance","confidence_score":0.00053121813}]},{"text":"Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being?","start_word":2244,"end_word":2271,"intents":[{"intent":"Clarify debt reduction","confidence_score":0.00065341755}]},{"text":"Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being? What kind of investments you got in mind, Nick?","start_word":2244,"end_word":2280,"intents":[{"intent":"Consider options","confidence_score":0.06795499},{"intent":"Discuss investments","confidence_score":0.02172152},{"intent":"Consider options","confidence_score":0.022668902}]},{"text":"So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce No. debt I and think build? that outside of it, I'll just leave how it is because I'll stay like that. Yeah.","start_word":2520,"end_word":2583,"intents":[{"intent":"Discuss money allocation","confidence_score":0.0007410057}]},{"text":"Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk.","start_word":2616,"end_word":2633,"intents":[{"intent":"Explain risk profile","confidence_score":0.0020591838}]},{"text":"So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel? Would you want to be investing more funds for growth? Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash?","start_word":2976,"end_word":3040,"intents":[{"intent":"Assess asset allocation and growth strategy","confidence_score":0.00040487532}]},{"text":"And your ClearView insurance policy. So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month. Now Okay.","start_word":3556,"end_word":3589,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.3352644}]},{"text":"I'm not sure if that's something that you wanna review.","start_word":3652,"end_word":3661,"intents":[{"intent":"Review insurance coverage","confidence_score":0.3736719}]},{"text":"Me me me monthly is quite a bit more homework. than Yeah. the Yep. current monthly. Okay. Yeah. So with income protection, you can only insure up to 70% of your your taxable income. So the sitting it's on on one fifty, we're sitting at 8,750 a month. If you could double check what your actual annual income is, that would be helpful.","start_word":3765,"end_word":3827,"intents":[{"intent":"Inquire about monthly income","confidence_score":0.025773805}]},{"text":"If you could double check what your actual annual income is, that would be helpful.","start_word":3813,"end_word":3827,"intents":[{"intent":"Request quarterly income","confidence_score":0.09185842}]},{"text":"The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example. Yeah.","start_word":3922,"end_word":3958,"intents":[{"intent":"Make recommendations for investment options","confidence_score":1.9917195e-8},{"intent":"Discuss investment mandate for funds","confidence_score":0.00294174}]},{"text":"And the rest of your portfolio has performed really well. You've got exposure to global cyber, your battery tech and lithium, Yep. which have all performed about 3332%. Beautiful.","start_word":4200,"end_word":4228,"intents":[{"intent":"Update portfolio performance","confidence_score":0.0034785888}]},{"text":"You say anything in there, like graphene shares? About the what?","start_word":4380,"end_word":4390,"intents":[{"intent":"Explore graphene investments","confidence_score":0.084196344}]},{"text":"The next document is your our financial services guide. It's in the pack. It's available on the website. It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it. And if you don't like us, how you can make a complaint. Yeah.","start_word":4811,"end_word":4864,"intents":[{"intent":"Provide information about finances and licenses","confidence_score":0.000014474559},{"intent":"Make a complaint","confidence_score":0.02519051}]},{"text":"So that's the fee that we charge you from your hub twenty four account. That fee sits at $215.33 per month.","start_word":4921,"end_word":4941,"intents":[{"intent":"Provide fee for annual reviews","confidence_score":0.025678461}]},{"text":"If you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email. We're here to help regardless. That's what your fee covers. So if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back. Any questions about fees?","start_word":4985,"end_word":5055,"intents":[{"intent":"Provide guidance on escalation","confidence_score":1.8477903e-7}]},{"text":"Any questions about fees? No.","start_word":5052,"end_word":5056,"intents":[{"intent":"Ask about fees","confidence_score":0.0043076146}]},{"text":"And then the last document in your pack is your tax file number authority. So we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it.","start_word":5062,"end_word":5110,"intents":[{"intent":"Set up tax file number","confidence_score":0.005248851}]},{"text":"The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination. Now, yes, we Alright. need to get that set up. So would that go to Lisa? Yeah.","start_word":5164,"end_word":5209,"intents":[{"intent":"Organize nominations","confidence_score":0.0051326645}]},{"text":"It does need to be signed, so wet signature. Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it? And I can do it at work, mate. So I can just print it out of work really. Beautiful.","start_word":5297,"end_word":5350,"intents":[{"intent":"Confirm signature","confidence_score":0.02288551}]},{"text":"Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it? And I can do it at work, mate. So I can just print it out of work really. Beautiful. Fantastic. Yep.","start_word":5306,"end_word":5352,"intents":[{"intent":"Print form","confidence_score":0.11644312}]},{"text":"Do you have any questions for me?","start_word":5453,"end_word":5459,"intents":[{"intent":"Request information","confidence_score":0.10339039}]},{"text":"And I I'll definitely be in contact to go over the the new advice with you when it's available. I just took everything on the email. Like, you know, exactly what you need, and then I'll sort it Beautiful.","start_word":5653,"end_word":5691,"intents":[{"intent":"Request call back","confidence_score":0.008165492}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Darren. It's Jenna here from Oakview Financial. How are you? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1260136067867279},{"text":"Good. Thanks. Yourself?","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.45333757996559143},{"text":"Good. Just before I go any further, I just need to let you know our calls are recorded for quality and coaching purposes. Is that alright? Yeah. Yeah.","start_word":16,"end_word":43,"sentiment":"neutral","sentiment_score":0.09682825952768326},{"text":"That's all good. Yeah. Fantastic.","start_word":44,"end_word":48,"sentiment":"positive","sentiment_score":0.4321907162666321},{"text":"And, Darren, can I just get you to confirm your full name, date of birth, and address, please? Yeah. The second eighty four. Sorry. Dial McElroy in the second eighty four. Paul Reddy Street, 4 Gara. 6714.","start_word":49,"end_word":85,"sentiment":"neutral","sentiment_score":0.06472637504339218},{"text":"Beautiful. Thank you so much.","start_word":86,"end_word":90,"sentiment":"positive","sentiment_score":0.5017389059066772},{"text":"How's your day been so far? Yeah. So far, I would like yeah. Can can know what about those? Yeah. Good. Thanks. Good.","start_word":91,"end_word":113,"sentiment":"neutral","sentiment_score":0.12834559381008148},{"text":"Thanks.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.3793297111988067},{"text":"I'm just going to run through your annual review. Do you still have time to do that? Yeah. Yeah. Yeah. Fantastic. Alright. What I'll do is do you have access to your emails at all? Yeah. No. But not at the minute. No. That's okay. Then shortly, I'll send through a review pack. You can review that post our chat when you do have access to it, Yeah. Yeah. and it will come from Odoo sign. So that's just from myself. But Yeah. before I am, I send sweet. that, yeah, before I send that through, what I'm gonna do is I'm just gonna run through your personal and financial information that we have on file to make sure it's actually current and up to date up Yeah. to Yeah. date date. Sorry. That's all good. Just confirming your marital status. Are you still married? Yeah. It's still marked. Lovely. Lovely. And your email address is pure c c Yes. services@Gmail.com? No. I don't know. No. I can't get rid of that one altogether. No. Okay. What's your email address? Yeah. Dodge Masc, d a zed m a c. Nineteen D eighty a four sorry. D a m zed a m c. e m e c. Yep. A a for alpha, m a c like Mark. Yep. M e c or m a c? A a c like air conditioner. AC. Okay. Tennessee. So it should be d a Yep. zed MAC. m a c. Yep. Yep. Yep. Yep. Sorry. That's my mistake. Oh, sorry. It's me Nineteen off set. I just told you. nineteen eighty Yep. At Gmail dot com. four.","start_word":115,"end_word":386,"sentiment":"neutral","sentiment_score":0.012220998102908625},{"text":"Fantastic. I've got that.","start_word":387,"end_word":390,"sentiment":"positive","sentiment_score":0.4368654489517212},{"text":"Okay. So I'll update that one there.","start_word":391,"end_word":397,"sentiment":"neutral","sentiment_score":0.18001268804073334},{"text":"Beautiful. Thank you for that.","start_word":398,"end_word":402,"sentiment":"positive","sentiment_score":0.4779876172542572},{"text":"I'm sorry. And I've already done your address. That's Ridley Street, so that's fine. Yeah. Number 4 Registry Yep. here. And 2 I've I'm got on the phone. Oh, fuck. Hold on. Sorry. 2 no. seconds. You're absolutely fine. I thought that. No. Absolutely fine. Absolutely fine. I've got Lisa down here as your spouse 5. your wife's name. Yeah. Yeah. Yep. Does her numbers end in 655? Yeah. That's the one. Yeah. Yeah. Fantastic. And I have one dependent. Is that correct? Yeah. Yep. Yep. Yep. Are they a financial dependent? How old are they? Seven. Mackenzie is my daughter. Seven. Mackenzie. Beautiful. Oh, she can't be. She the same as mine. Okay. Beautiful. So I've got your occupation here as sales sales and quotes. Is that right? Yeah. I manage at branch, but yeah. At the minute. Yeah. Yep. Okay. And the what did you say the employer name was? Sorry? Yeah. Lawrence and Hanson. Florence Manhattan. So it's like electrical oil seal. Yes. Okay. Beautiful. And are you employed on a full time basis? Full time. Yeah. Yeah. And how many hours on Stop. Your page average do you work per week? Yes. Yes. Alright. And I've got your income as 75. Is that No. My income what's my income now roughly? Roughly? $11.60, $1.50? right? So $1.50? Yeah. Just just go go $1.50, $1.40, something like that. Yeah. Okay.","start_word":403,"end_word":635,"sentiment":"neutral","sentiment_score":0.008928359102441774},{"text":"Beautiful.","start_word":636,"end_word":636,"sentiment":"positive","sentiment_score":0.5115881562232971},{"text":"Alright. And we have your expenditure here as about 800 a week. Is that Yeah. I'll be there if I'll see if we'll fluctuate. correct? Yep. Does that include mortgage repayment, or is that separate? Yeah. Okay. Yeah. And your savings per Yep. week, we have $500. Is that still the Yeah. same? It sounds sounds about right.","start_word":637,"end_word":694,"sentiment":"neutral","sentiment_score":0.03929327055811882},{"text":"Beautiful.","start_word":695,"end_word":695,"sentiment":"positive","sentiment_score":0.358176052570343},{"text":"And do you make any additional contributions to super besides what your employer No. Just just want does? the embarels. Yeah. Okay. Fantastic. Did were you wanting to make any more? No. No. Nope. Nope. That's fine. Do you have an EBA agreement with your employer? Yeah. Sorry? An EBA agreement. If you if it if your if your answer is I don't know, then you don't. Yeah. No. Yeah. Yeah. Nope. Beautiful. Which Alright. We have your house here at 400000 with a debt of $3.50. Is that correct? which property is this? I'm it just I've only got the one Yeah. property. Yeah. It just says house. Yeah. Yeah. So this is the car offer property or the Baldiver's property? It doesn't say. I can update it, and we can do both from we can just update it. So have you got an investment property as well? Yeah. We we sold we sold the we sold the Baldivis property, and we bought the Carrutha Yeah. property. Or we're just on Tuesday. We just we just bought another house on Tuesday in Okay. McKay. Yeah. Oh, okay. Beautiful. Okay. So let's update all that. The what's the carafe property worth? I think we're paid about $7.40 first. And that's the one you're in now? Yeah. That's where we're currently in. Yeah. Yeah. Yeah. And what's the debt against that? I think we're currently we're moving money around. I think it was about 300 something because we saw that our divers probably use the money off that, and then we put Yep. extra money on it. So I I think it's sitting around about Yep. $3.50. Okay. And you said you've just purchased a property in Mackay. the $3.50. Is that Yeah. in Queensland? Yeah. Yeah. Yep. Yep. Yep. Is it gonna be used as a rental property? Temporarily. Temporarily? Yep. Yeah. Are you gonna move there? Possibly. Yeah. Off to say off Yes. to the plan, but we're kinda just keeping it a bit quiet at the moment. We are. Yes. No worries at all. How much did you purchase that one for? $7.50. And what's the debt on that one gonna be? I'm calling to tell you, because I think we've got money offset not as well. That's probably sitting around this 5 to 6, something they are maybe. Yeah. Yep. Okay. That's fine.","start_word":696,"end_word":1091,"sentiment":"neutral","sentiment_score":-0.018088099932429765},{"text":"Beautiful.","start_word":1092,"end_word":1092,"sentiment":"positive","sentiment_score":0.47334223985672},{"text":"And we have a car here valued at 38,000 with no debt. Would that still be right? Yep. Yeah. Beautiful. And a caravan at 50,000 with a $25,000 debt. No. That I'm not out. So that that's gone. Yep. Get That's off. gone. Beautiful. Alright. Any other assets and liabilities you can think of? Just I was sitting up there. What do you call it? I'll ship the TVs and all that stuff. Yeah. Oh, yep. Your home and contents. Yep. No worries. I saw what I That's alright. was Now we have you looking down as a smoker. Is that for. still correct? Yeah. I've been there for the past sort of sort of accounts here. Just give it a Okay. small No worries. bit. Any Yeah. significant health Not issues or not injuries recent not or since that our last catch I'm up? aware of. Like, that's Nope. still still mobile. Any regular medic medication you take? Not really. Yes or no? No. Yeah. I will just leave that as blank. Okay. And do you have private health I'm pretty sure I do. It does. The white. Yeah. I've been up for it. Yeah. insurance?","start_word":1093,"end_word":1289,"sentiment":"neutral","sentiment_score":-0.0035019951309952033},{"text":"All good.","start_word":1290,"end_word":1291,"sentiment":"positive","sentiment_score":0.3474327027797699},{"text":"And do you have in your will and power of attorney in place? Yes. I'm pretty sure we've done that a couple of months ago. Yes. Yeah. Again, it was just one of them. Yep. Yeah. Yeah. Okay. The bike's sort of thought it Didn't was on. Yeah.","start_word":1292,"end_word":1339,"sentiment":"neutral","sentiment_score":0.040346670895814896},{"text":"Beautiful.","start_word":1340,"end_word":1340,"sentiment":"positive","sentiment_score":0.47353821992874146},{"text":"What I might do, if it's okay with you, is following this meeting, send an email through to see if we could obtain a copy of that for our files. The reason why is because if anything was to happen to you and Lisa phoned us to ask questions about your superannuation or your insurance or getting claims done, Yeah. Yeah. we're unable to speak to her. Okay. So we need it's it's very helpful, and it will make the process quicker should anything ever happen to you for Lisa that we have Yeah. those on file because then we can identify her. So Alright. I will So that'll I'll just basically give her sort of power of our yeah. So we we and well, it won't give her power or anything like that. stuff But if anything's to happen, we have the like estate planning documents on file that we can refer that. back to, and we'd ask her to provide her ID and all Yeah. that sort of stuff so we could verify her. Yeah. Without Sweet. Sweet. that without that, it it it does make it difficult. Yeah. Yep. No. Too easy. That's fine. Yep.","start_word":1341,"end_word":1538,"sentiment":"neutral","sentiment_score":0.007569873239845037},{"text":"Fantastic. Beautiful. Alright.","start_word":1539,"end_word":1541,"sentiment":"positive","sentiment_score":0.48029574751853943},{"text":"I'm going to just jump to the goals and objectives that we had on file for you from your last review. And I Yeah. just wanna Yeah. run through and see if they're still applicable or if they've changed or if there's any new ones. So the la one one of them was that you wanna pay off your mortgage as soon as possible so you can start saving for a time and and enjoy that as much as possible. Is that still a goal of yours? Yeah. Definitely. Yeah. Yeah. Yeah. Yeah. Yep. That's Are part you of the making reason why we're, like, buying, you know, like, doing the rent off the buying, renting, and then yeah. So yeah. So yep. yeah. Yeah. So But then you're kinda I'll do yeah. But yep. you're doing a debt recycling strategy yourself. Yep. Yeah. Sort of That's thing. what Yeah. Yeah. we call it. Yeah. So alright. Do you need any assistance with that, or you're you're wanting to manage that yourself?","start_word":1542,"end_word":1713,"sentiment":"neutral","sentiment_score":0.11788502907337144},{"text":"I think I've just just got it pretty well under control. Like, we just sat down and done the finances, and we're in a pretty good position. I think we're actually better off now than what Beautiful.","start_word":1714,"end_word":1750,"sentiment":"positive","sentiment_score":0.4978001415729522},{"text":"we were before. We got the second house. So yeah.","start_word":1751,"end_word":1760,"sentiment":"neutral","sentiment_score":0.20678430795669556},{"text":"Beautiful.","start_word":1761,"end_word":1761,"sentiment":"positive","sentiment_score":0.5040773153305054},{"text":"Alright.","start_word":1762,"end_word":1762,"sentiment":"neutral","sentiment_score":0.30491870641708374},{"text":"Yeah. Fantastic.","start_word":1763,"end_word":1764,"sentiment":"positive","sentiment_score":0.44759756326675415},{"text":"Yeah. Once No we get worries. the once once we get the rent coming in for the property, we'll be laughing. Alright.","start_word":1765,"end_word":1786,"sentiment":"neutral","sentiment_score":0.2131287008523941},{"text":"Beautiful.","start_word":1787,"end_word":1787,"sentiment":"positive","sentiment_score":0.5087095499038696},{"text":"The and you'd like to be able travel overseas. Have you been able to achieve that? Is it still a goal? Yeah. No. Yeah. We we just came back from England about three weeks ago. Three and a half Oh, week.","start_word":1788,"end_word":1828,"sentiment":"neutral","sentiment_score":0.17451168596744537},{"text":"beautiful.","start_word":1829,"end_word":1829,"sentiment":"positive","sentiment_score":0.3801998794078827},{"text":"Yeah. And it's are you gonna Yeah. make it a regular thing that that's a goal you wanna do? Yeah. Well, I mean, if you find these out there, like, in our server, we are trying to get over there once every couple of years at least. Okay.","start_word":1830,"end_word":1877,"sentiment":"neutral","sentiment_score":0.13735446333885193},{"text":"Beautiful.","start_word":1878,"end_word":1878,"sentiment":"positive","sentiment_score":0.42514586448669434},{"text":"And I have here that you would like to retire at the age of 60. Oh, Do that's. you have any idea if you were to retire at the age of 60, what income you'd need in today's dollars? No idea. Yeah. I just see where we're at most of the time, I guess, where I probably Yeah. really review that at 55 and, yeah, figure Alright. out.","start_word":1879,"end_word":1946,"sentiment":"neutral","sentiment_score":0.031045759808929527},{"text":"Yeah. Beautiful. And in you basically ensure that you have suitable insurance in place.","start_word":1947,"end_word":1960,"sentiment":"positive","sentiment_score":0.4428093433380127},{"text":"Yeah, So, guys. Yeah. yeah, the only thing with your insurance that I I'll run through that in a minute, is that you don't have trauma insurance. Were you would you have been have you been spoken to about that before? Nope. No. No. No. No. No. No. No. No? No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. That's okay. I'll touch on that in a minute. The other questions No. I No wanted to just check with you before I move on to the review package, the review pack itself, is with your review frequency, are you happy to keep that annually, or would you like it more frequent? And I just found it was fine. Yeah. I see. I think it yeah. I've got Yeah. it. It seems looks like it's gone off, so, you know, it's Beautiful.","start_word":1961,"end_word":2113,"sentiment":"neutral","sentiment_score":-0.029287064447999},{"text":"Beautiful.","start_word":2114,"end_word":2114,"sentiment":"positive","sentiment_score":0.5651957988739014},{"text":"Your with your surplus cash flow or your savings, all where's that being directed good. at the moment? Is it a bank account? Or The bank is offsetting. yeah. Yeah. Is there We put did you want sorry? well, we we just pretty much put everything on the offsets. Yeah. Okay. Do you know what the balance of your offset is at the moment roughly? Oh, no idea. Yeah. Okay. Well, again, Sorry? again, that's that's that's like, I couldn't tell you off the top of my head. Like, but, again, that's something that the the missus, she just sorts out a Yep. little bit. They are. It's That's all been good. No worries. been been working for the past fourteen years. Yep.","start_word":2115,"end_word":2237,"sentiment":"neutral","sentiment_score":0.04663749039173126},{"text":"Perfect.","start_word":2238,"end_word":2238,"sentiment":"positive","sentiment_score":0.4019936919212342},{"text":"No worries at all. Did you wanna look at any investments outside of super or anything like that, or you're happy just focusing on paying off your debt for the time being? What kind of investments you got in mind, Nick? Would there's investments that you can do at so they're similar to superannuation in respect to a portfolio. So it's set up similar, and you can start building it outside of super to build wealth so you're not solely reliant on superannuation come the time of retirement. So it can kinda be a a a stop gap in between. Is this There is are this other something options is this something sorry? that you can is this something you can use using my existing super or, like like, what what I've got there, or would it be, like, No. an No. additional It's out yeah. It's outside of super. So you'd you'd what it essentially, okay. what you do is use some of your savings out of out of the offset or if you were to put a $100 in another week or something like that. It's just to build your wealth outside of the super environment. Or, Alright. alternatively, you know, if you wanted to look at setting up a fund for your daughter when she's 25, for example. You can Oh, we've we've we've already got one of them going. She's already registered.","start_word":2239,"end_word":2474,"sentiment":"neutral","sentiment_score":0.039517373225446475},{"text":"build fantastic.","start_word":2475,"end_word":2476,"sentiment":"positive","sentiment_score":0.4907419383525848},{"text":"Yeah. Yeah.","start_word":2477,"end_word":2478,"sentiment":"neutral","sentiment_score":0.23450207710266113},{"text":"Been Love laughing.","start_word":2479,"end_word":2481,"sentiment":"positive","sentiment_score":0.3879579603672027},{"text":"it. Yeah. I think Love I it. think the wife opened the one when she was about 12 old, and just everyone's been chucked in there and it's back out. Wow.","start_word":2482,"end_word":2512,"sentiment":"neutral","sentiment_score":-0.017053190618753433},{"text":"Good. That's awesome. Love to hear that.","start_word":2513,"end_word":2519,"sentiment":"positive","sentiment_score":0.5181627869606018},{"text":"So at the so you're just so, basically, what I'm asking is is are you happy to just keep putting money into the offset to reduce debt for the time being, or do you wanna do a combination of both debt reduce No. debt I and think build? that outside of it, I'll just leave how it is because I'll stay like that. Yeah. I'll just kind of leave that to the to the wife to she does Yep. all that. Yeah.","start_word":2520,"end_word":2601,"sentiment":"neutral","sentiment_score":0.05133969336748123},{"text":"Absolutely So fine. I'll just kind Absolutely. of stay with that one. Beautiful.","start_word":2602,"end_word":2614,"sentiment":"positive","sentiment_score":0.4455499053001404},{"text":"Yep. Now your risk profile, that that's how we invest your superannuation in line with your feelings towards risk. So you've previously been a growth investor, which means we have 80% of your assets invested in growth assets, so being shares and properties, so the more volatile type assets with 20% allocated to your defensive being fixed interest in cash, Yep. for example, you would roughly expect gross of fees, a seven to 9% return in that that allocation Yes. with with roughly, statistically, one in every five years having a negative return and the minimum time frame for that profile being six years. So given that you've got eighteen years before you can even access your super at six at 60 years of age, It's it's it's it's a appropriate risk profile. So my question to you is is are you comfortable with your growth risk profile? Would you like to take a little bit more risk, or would you like to reduce the risk? I don't know. What do you reckon? What I can do is I can complete a risk profile with with you that might give us a better understanding of how you're feeling towards given that you've brought an investment property, I think your attitude to risk may have changed a little bit. So I might just complete a risk profile with you and So see what you I come out. I could see see, like, other people that kinda went with the big ones as a paid off label. I'm sorry? Like, I can ask this here, like, you know, people in the high risk bracket, if there's a, like, there's a there's a payoff payoff more often than not or, like, what's the The difference being between yours and the next one up is you've got an extra 10% roughly allocated to your growth assets. The return is generally between is it sorry, averaged out, expected return to be between an extra one to 2% a year with a minimum time frame of eight years. So that still fits within your profile or your time frame. It's just how you feel towards risk. So I guess probably one of the biggest questions I'd ask is if your super dropped by 20% tomorrow, how would you feel? Would you want to be investing more funds for growth? Would you want be waiting holding and waiting to see what for improvement, or would you shift assets to more defensive assets to minimize the year loss or convert fully to cash? I'm not, to be honest with you. Yeah. No. I'll probably So just keep it as it is, I guess. Seems to be working alright. Yeah. yep. Keep it as gross. Yeah. Yeah. Yeah. Nope.","start_word":2615,"end_word":3074,"sentiment":"neutral","sentiment_score":-0.02253945564608211},{"text":"That's absolutely fine. We can do that. And we can check-in every year. That's the you know, that's one of the the great things about having a review is we can we can always revisit and change things if we need to. So I've I've, like since since I've started with, I've I've definitely got growth now.","start_word":3075,"end_word":3131,"sentiment":"positive","sentiment_score":0.4246346056461334},{"text":"You have. Yes. Yeah. Yeah. Yeah. Definitely. So you you reckon you reckon got into the next bracket wouldn't be a bad idea, like, or? Look. I think from my my perspective or my advice as an adviser is that you can you definitely have time on your side if you wanna increase your risk profile. It's it's really a a sleep what I like to refer to as a sleep at night test. So If if if if it was you, what would you do? well, I'm not I'm 41, so I'm similar age to yourself. I'm invested in a high growth portfolio because I've got time on my side. I can Just withstand just stick stick stick us on the same one as you. We'll well, just I can go withstand for it. yeah. I can withstand the way I see it is that I can withstand the the market fluctuations. Yeah. I mean, if I was 50, I would be probably looking at maybe decreasing my allocation to growth assets a little bit, not a lot because I still would have ten years on my side to be able to withstand the market fluctuations. But that's just the benefit of having a review. We we do this regularly to make sure that, you know, there's no guarantee to make sure that, you know, there's no guarantee. The markets will always react. I'm sure, you know Yeah.","start_word":3132,"end_word":3370,"sentiment":"neutral","sentiment_score":0.0836417364876203},{"text":"100% good.","start_word":3371,"end_word":3372,"sentiment":"positive","sentiment_score":0.39922091364860535},{"text":"you know, COVID, for example, you saw everything fall through the roof, and there was no value in anything. So it's really about your comfort. Yeah. Yeah. Yeah. I'm I'm musical on, I guess. Get yeah. Like, honestly, I can if you've got someone that's working for you and you're right, just just yeah. Just whatever you want. Just stick me on the same one.","start_word":3373,"end_word":3437,"sentiment":"neutral","sentiment_score":-0.008290702477097511},{"text":"Fuck.","start_word":3438,"end_word":3438,"sentiment":"negative","sentiment_score":-0.5803982019424438},{"text":"Let's give it a go. Alright. Well, we can have a look at a high growth portfolio for you. Yeah. Sweet sweet. That's what What you're on? I'm yes. I'm in a high Yeah. growth Yeah. Yeah. portfolio. Just stick Yeah. it stick it on that. Alright. So when you have a chance, you when you see your emails, you're gonna see APAC. I'll quickly run through what they are. It's the first page is a summary just letting you know what your super's at. It's currently just shot it's you're with Hub twenty four, and it's at a $149,149. Mhmm. Are you happy with Hubs so far and no issues? Yeah. Any any polyglot? Yeah.","start_word":3439,"end_word":3554,"sentiment":"neutral","sentiment_score":0.08829940855503082},{"text":"Fantastic.","start_word":3555,"end_word":3555,"sentiment":"positive","sentiment_score":0.5621028542518616},{"text":"And your ClearView insurance policy. So your life insurance is sitting at $1,149,000 at 149 and 123 and the same as your TPD with your income protection sitting at $5,028 per month. Now Okay. I'm just gonna do a quick calculation. Oh my gosh. I can't type today. Sorry. I think you might be just a bit short on your income protection, some insured. So Nope. you're insured for $5,028 a month. But based on your income of $1.50, your some insured should sit somewhere between should sit something more like 8,750 a month. Yep. I'm not sure if that's something that you wanna review. It's I'm sure you'll recall when you went through the insurance process, there was a medical underwriting process that needed to happen. The same would need to occur for any increase. So your existing cover remains unchanged, but the increase would need to go through underwriting. Basically, I think you need to consider if you were unable to work due to injury or illness, would $5,028 a month meet all the expenses you need, or do we need to look at increasing that? Probably get the increase, I reckon. Yeah. Okay. I'm gonna have a look into that. So that's part of my Yeah. Me me me monthly is quite a bit more homework. than Yeah. the Yep. current monthly. Okay. Yeah. So with income protection, you can only insure up to 70% of your your taxable income. So the sitting it's on on one fifty, we're sitting at 8,750 a month. If you could double check what your actual annual income is, that would be helpful. I can I can request that in an email to you post our meeting so we can make sure that we get the figures actually right for you? Yeah. The next document in the pack is your performance with hub twenty four.","start_word":3556,"end_word":3869,"sentiment":"neutral","sentiment_score":-0.05802570999404238},{"text":"So the last twelve months, we've seen a significant negative return with one fund, Mhmm.","start_word":3870,"end_word":3884,"sentiment":"negative","sentiment_score":-0.4380066990852356},{"text":"which I have highlighted to talk to you about about looking at options to replace. So it's the Bennelong Australian Equities Fund.","start_word":3885,"end_word":3906,"sentiment":"neutral","sentiment_score":-0.2554589807987213},{"text":"It it ran at a loss at 14% this last twelve months.","start_word":3907,"end_word":3918,"sentiment":"negative","sentiment_score":-0.4892585575580597},{"text":"Okay.","start_word":3919,"end_word":3919,"sentiment":"neutral","sentiment_score":-0.2441786527633667},{"text":"Not great. The reason being is that the Benelong Australian Equities Fund's investment mandate is that they don't necessarily invest in the top, you know, 200 funds that are popular, have ongoing growth for the banks, for example.","start_word":3920,"end_word":3957,"sentiment":"negative","sentiment_score":-0.3455045521259308},{"text":"Yeah.","start_word":3958,"end_word":3958,"sentiment":"neutral","sentiment_score":-0.21407610177993777},{"text":"Their mandate is that they look for funds in the Australian market that they feel are undervalued and have room for significant So growth. Now I kinda how come we get rid of them and try sorry?","start_word":3959,"end_word":3995,"sentiment":"negative","sentiment_score":-0.37972018122673035},{"text":"someone else's Yes. way? A 100. So Yeah. part of another part of my homework is is that I'm gonna look at alternative options for you to get rid of them. The other one in your funds that I wanna look at replacing is the beta bank hybrid. So that's your bank hybrid investments.","start_word":3996,"end_word":4049,"sentiment":"neutral","sentiment_score":-0.06623867085134541},{"text":"They're they've performed fine. I mean, it's a defensive asset.","start_word":4050,"end_word":4059,"sentiment":"positive","sentiment_score":0.42447662353515625},{"text":"The return's about one and a half percent, which is what you'd expect which is what you'd expect for about a fixed interest product. But Yeah. what's happening with the the banking system in Australia at the moment is hybrids are gonna be phased out. So by January 2027, they're no longer gonna exist. So I wanna look at being a little bit more proactive and see you know, not wait till they're phased out and Yeah. replace them then. I'd rather Yeah. look and see if we can get a little bit ahead. You know, there's I don't know if they're gonna drop in value or anything like that, but I think it I'd rather be proactive with our approach to that. So if you're happy with that, I'd like to look at reviewing both of those. Yep. Yep.","start_word":4060,"end_word":4199,"sentiment":"neutral","sentiment_score":0.01660279743373394},{"text":"And the rest of your portfolio has performed really well.","start_word":4200,"end_word":4209,"sentiment":"positive","sentiment_score":0.41360172629356384},{"text":"You've got exposure to global cyber, your battery tech and lithium, Yep. which have all performed about 3332%.","start_word":4210,"end_word":4227,"sentiment":"neutral","sentiment_score":0.2080376297235489},{"text":"Beautiful.","start_word":4228,"end_word":4228,"sentiment":"positive","sentiment_score":0.4508463144302368},{"text":"These are your satellite what we call satellite investments. So they're niche type sectors. You don't have huge exposure to those amounts or those those funds, let's call them, Uh-huh.","start_word":4229,"end_word":4258,"sentiment":"neutral","sentiment_score":0.12421450018882751},{"text":"but their performance has been pretty good.","start_word":4259,"end_word":4265,"sentiment":"positive","sentiment_score":0.42571747303009033},{"text":"And, additionally, you've got your international exposure across America, Asia, Europe, and some global so some global health. So you've got a pretty good good exposure there to your growth assets. So the twelve month return altogether was only 2.41%, which is not great. But in the next we've also included the six month one for you. So for the last six months, you'll see that it's starting to bounce back, and we're sitting at 4.56%.","start_word":4266,"end_word":4341,"sentiment":"neutral","sentiment_score":0.17407305538654327},{"text":"So we're on target to hitting that gross return Beautiful.","start_word":4342,"end_word":4351,"sentiment":"positive","sentiment_score":0.430702269077301},{"text":"in I the was next twelve months. taught I was taught Yep. to one of the lads about the shares in graphene. And I forgot to do. You say anything in there, like graphene shares? About the what? Sorry. Graphene shares. Shares in graphene investment in graphene. I haven't heard anything. I can have a look Yeah. and have a do a bit of research on it. Definitely. Yeah. Just hoping I've been yeah. You heard of graphene? No. No. Yeah. You It's it's it's probably coming to the battery tech, but specifically it was off the the graphene yeah. itself. I can okay. Alright. I'll do a little bit of research and see what we can find. Yeah.","start_word":4352,"end_word":4470,"sentiment":"neutral","sentiment_score":-0.003290575655067668},{"text":"Very easy.","start_word":4471,"end_word":4472,"sentiment":"positive","sentiment_score":0.34206053614616394},{"text":"Yeah. So I've something Okay. I'll probably look at investing quite a bit Okay. if we can get something going with that. Yep. So, like, the lithium and all Yeah. those It's sorts it's it's it's basically the next level. Like, it's sort of it's of up from lithium. things? Yeah. The It's next just worth level having a are look. So it's good. Yeah. okay. G h g r a p h I n e. And then, yeah, check check it out. And what the. Okay. Alright. I can have a look at that and do a little bit of research as part of what we're looking at for sure.","start_word":4473,"end_word":4583,"sentiment":"neutral","sentiment_score":0.05516961216926575},{"text":"Beautiful. Yep. Sweet.","start_word":4584,"end_word":4586,"sentiment":"positive","sentiment_score":0.42239686846733093},{"text":"The next document is just the Vanguard Yeah. index chart. So it's a visual. It just explains to you it's a visual basically that shows how the different sectors react. So US shares, Australian shares, international shares. So the top four in that are your growth assets. So that's where 80% of your your portfolio is invested. If we go to a higher high growth, it's gonna be about 90% invested in those top four with the Yeah. remaining invested in bonds and cash. Your we've talked about income protection. Your life insurance is sitting at a million 149,123. Now if we look at your debts, it's looking like it would just cover the debt. Is is that something you're comfortable with, or did you wanna cover did you wanna look at increasing those insurance pre those insurance levels? I think for the well, just for the time being, we'll probably just leave that as is. Yep.","start_word":4587,"end_word":4743,"sentiment":"neutral","sentiment_score":0.05226312715939845},{"text":"Beautiful. Yep. That's absolutely fine.","start_word":4744,"end_word":4748,"sentiment":"positive","sentiment_score":0.5380652546882629},{"text":"Because there are asset if the debts were paid, there's obviously assets there for Lisa and And Mackenzie. we can see. So, Yep.","start_word":4749,"end_word":4771,"sentiment":"neutral","sentiment_score":0.20199963450431824},{"text":"yeah, it's as long as it's something that you're comfortable with, there's no issues there. It's just about what you're wanting to achieve and how what as long as it's that's appropriate for Lisa and Mackenzie.","start_word":4772,"end_word":4807,"sentiment":"positive","sentiment_score":0.3766149282455444},{"text":"Yep. Sure, sir. The next document is your our financial services guide. It's in the pack. It's available on the website. It just tells you who we are, who our licensee is, that we're licensed through, the advice we provide, how we provide it. And if you don't like us, how you can make a complaint. Yeah. I'm not even gonna call on me. I need my boss. Beautiful. And there's and the last two documents do require your electronic signature. So as you go through these documents when you get a chance, you'll be able to sign them electronically. Got The the one of the documents is the ongoing it. adviser fee. So that's the fee that we charge you from your hub twenty four account. That fee sits at $215.33 per month. Now that covers you for your annual reviews, us to take care of your superannuation, make any changes when we need to. But it also doesn't what some people don't probably realize is is that you're not just limited to one annual review. If you need advice or you need to speak to us about anything, you just pick up the phone, shoot us an email. We're here to help regardless. That's what your fee covers. So if you do wanna continue being a continue with the us as your adviser, I just need you to sign that form and well, you can sign it electronically and send it back. Any questions about fees? No.","start_word":4808,"end_word":5056,"sentiment":"neutral","sentiment_score":0.05165548250079155},{"text":"That's wrong, really.","start_word":5057,"end_word":5059,"sentiment":"negative","sentiment_score":-0.4068503975868225},{"text":"No.","start_word":5060,"end_word":5060,"sentiment":"neutral","sentiment_score":-0.06070021539926529},{"text":"Beautiful.","start_word":5061,"end_word":5061,"sentiment":"positive","sentiment_score":0.3620462715625763},{"text":"And then the last document in your pack is your tax file number authority. So we already have your tax file number on file, and we have it because we need to provide it to hub well, when hub was established, the super fund, we needed to provide it. Now to ensure that, you know, we meet privacy rules, we just ask because we hold it on file that you acknowledge that you're okay with us doing that. So by signing that form, that's that's just you saying, yeah. That's fine. No worries at all. Yes. Hold on. Yeah. No problem.","start_word":5062,"end_word":5162,"sentiment":"neutral","sentiment_score":0.10257186740636826},{"text":"Beautiful.","start_word":5163,"end_word":5163,"sentiment":"positive","sentiment_score":0.5086559057235718},{"text":"The only other thing I just wanted to touch base with you very briefly on is in your hub twenty four super fund, you don't have any beneficiary nomination. Now, yes, we Alright. need to get that set up. So would that go to Lisa? Yeah. Yeah. Just a hard stuff. Got this later. Yep. Now I wanna make sure I have the spelling of Lisa's name right. Is it l e s a? Yep. Beautiful. And same surname as yourself? Yeah. Yep. Middle name is Yep. Jayne, j a y n e. J a y. And what's her date of birth? Have I got you? Yeah. Yeah. 01/20/1982. Eighty two. Yeah. I got it right. It's not that. So what we'll do is we can prefill that and send it to you. It does need to be signed, so wet signature. Do you have access to a printer where you can sign it print it and sign it, or do would you like us to post it? And I can do it at work, mate. So I can just print it out of work really.","start_word":5164,"end_word":5349,"sentiment":"neutral","sentiment_score":0.0188334621489048},{"text":"Beautiful. Fantastic. Yep. I'll Sweet. get that arranged.","start_word":5350,"end_word":5357,"sentiment":"positive","sentiment_score":0.4743307828903198},{"text":"And the only other question is to allow me to prefill it so there's no extra admin for yourself. There's two types of nominations. They're both binding, which means the trustee is bound by your decision. One lapses and one doesn't lapse. So every three years, you have to renew it. The non lapsing one is it's only changed when you fill out a new beneficiary form. So Yeah. what They would be would your do yeah. They're they're the ones you that you they're not to keep doing have it. any questions for me? Do you have any questions for me? No. No. Well, good.","start_word":5358,"end_word":5463,"sentiment":"neutral","sentiment_score":0.020296579557427048},{"text":"Beautiful.","start_word":5464,"end_word":5464,"sentiment":"positive","sentiment_score":0.5172587633132935},{"text":"Yeah. So what I'm gonna do from here is I'm Spot gonna shoot you an email with those couple of on. details that I do need from you, Yeah. Yeah. And then I'm going to start researching some options to look at replacements on those funds and some other little bits. That process will take me about two weeks. So Yeah. in about two weeks, you'll hear from the team just to book in another appointment to go through those recommended changes. Yeah. And Switch. Switch. the only thing that may delay that is just getting your annual income confirmed so I can look at the income protection. So Yeah. Too it easy. maybe say two to three weeks at the at worst. But did you wanna look at replacing your insurance company, or are you happy with Clear Yeah. I need dramas View? like we are. Yeah. Spot on. Yep. Alright. Yep.","start_word":5465,"end_word":5617,"sentiment":"neutral","sentiment_score":0.034015703946352005},{"text":"Fantastic. Alright. Well, I'll get to work on the things I need to do. And if you can send me through the other information when I send you an email, that would be fantastic.","start_word":5618,"end_word":5651,"sentiment":"positive","sentiment_score":0.4320793151855469},{"text":"Yeah. And I I'll definitely be in contact to go over the the new advice with you when it's available. I just took everything on the email. Like, you know, exactly what you need, and then I'll sort it Beautiful.","start_word":5652,"end_word":5691,"sentiment":"neutral","sentiment_score":0.25897639989852905},{"text":"Thanks so much, Darren.","start_word":5692,"end_word":5695,"sentiment":"positive","sentiment_score":0.5391003489494324},{"text":"over I here. hope Hey, you brother.","start_word":5696,"end_word":5702,"sentiment":"neutral","sentiment_score":0.2786179482936859},{"text":"have a lovely evening.","start_word":5703,"end_word":5706,"sentiment":"positive","sentiment_score":0.4018182158470154},{"text":"Hey. And if What's you up? need Hey. anything, Yeah. give me a buzz. So you're watching the forty nine eight later? Tonight, Yeah. I It's pretty might. old. It was a pretty It depends. old pretty old oxen. Yeah. Oh, is it? Okay. I might. It depends what time I can get my son to bed. Otherwise, he'll wanna sit up and watch it. And then it's a let's call it a Yeah. Shit. headache Sure. tomorrow Yeah. morning. Yeah. Yeah. I was gonna say that. I was gonna say Yeah. that. Yeah. Yeah. Yeah. That's alright.","start_word":5707,"end_word":5804,"sentiment":"neutral","sentiment_score":0.010106524406238554},{"text":"Go for it. Beautiful. Alright. Well, you enjoy the footy then, and Alright, Spotter.","start_word":5805,"end_word":5818,"sentiment":"positive","sentiment_score":0.5130568742752075},{"text":"I'll speak to you in a couple of weeks.","start_word":5819,"end_word":5827,"sentiment":"neutral","sentiment_score":0.3107917606830597},{"text":"Lovely. Alright. Thank you. Thanks, Darren. Catch Bye. you, mate.","start_word":5828,"end_word":5837,"sentiment":"positive","sentiment_score":0.6066620349884033},{"text":"Sure. Bye. Bye.","start_word":5838,"end_word":5840,"sentiment":"neutral","sentiment_score":0.23716597259044647}],"average":{"sentiment":"neutral","sentiment_score":0.04837373415291246}}}}