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Is that any better? Okay. That's alright. I try and push the microphone to my face a little better. Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please? Beautiful. Thank you, Carmen. I appreciate that. How's your day been so far? Oh, that's good. That's fantastic. So the purpose of my call our call this morning is to go through your annual review. Just confirming you have some time to do that. Fantastic. Alright. Before we move to the review itself, I just wanna run through our Saks Fund to make sure that all the details I have for you are correct and relevant still. So I just want to confirm your marital status. Are you single in a partnership? Single. Beautiful. And your email address is calmsGabe@Gmail.com? And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770. Fantastic. Alright. Yes. Is that 3 McVeigh Place, Rootie Hill, New South Wales 2766? Beautiful. We do have that. Thank you. Instead of previous address, I'm gonna update that as postal address. Fantastic. Now I have that you have one dependent. Is that Gabriel? Yep. No. He's nineteen. Okay. And he's listed as your next of kin. Is that correct? Fantastic. And we've got his mobile number ending in 19198. Yep. Fantastic. Thanks for that comment. I'm just gonna move on to some more personal details in relation to yourself. Your occupation, we have here listed as an Aboriginal specialist officer. Is that correct? Beautiful. And the amount in the office and the field hasn't changed? We had a thirty seventh. Yep. Fantastic. Beautiful. And still working thirty eight hours a week on a full full time basis? Yep. Okay. We have your income here as 110,000 per annum. Is that right? Okay. Beautiful. And is that oh, gosh. My fingers are not working today. Does that include any penalties or overtime, or is that just the base? Just the base. So do you have any idea what it would be with any overtime if you did do any? Okay. Beautiful. Yep. Okay. Alright. Fantastic. And we have your expenditure here listed at 1,100 a week. Would that still be correct? And do you have it expenditure. A a week, we have it down as. No. Beautiful. And are you sorry. Are you accumulating any savings per week? Yep. Yep. That's okay. Yep. Yep. And how much are you putting into that on a regular basis? Yep. That's okay. And is that the same as your savings? How much are you putting in that on a regular? Yep. Beautiful. Alright. Fantastic. Thank you. Are you making any additional contributions to super at all, like, sorry, sacrificing? No? Yeah. It yeah. I do have a note of that here. What's that valued at now? Yep. Did you say 50 6? Okay. Okay. Beautiful. Fantastic. With your superannuation, you are you looking at making any additional contributions to super to work towards retirement plans and goals or no? Yeah. Okay. I'm gonna yeah. Sorry? Yep. Okay. I'm gonna make a note of that so we can circle back to that shortly. Always a good thing to have as a bit of a discussion piece. We now moving on to debt, we had a per with personal loan of 12,900. Is that still correct? Yes? What would it be now? It's always the way, isn't it? When you need it, it's it's difficult. Wonderful. And how much you pay on that per fortnight or per week? Fantastic. And we had a credit card listed with a $4,000 balance. Is that still that gone? Zero? Do you have is the credit card in yep. Fantastic. Well, great strides you've taken. So that's brilliant. And a car lease. Do you still have that? A car lease? Yeah. A lease on a car or is it yeah. No. That's okay. Do you know where when the term is supposed to end? How much debt is remaining on it? Do you have any of those details? Yep. Yep. Okay. Yep. Okay. Okay. Okay. So every twelve months, new car. Okay. Alright. Beautiful. Any other assets or debts? Well, I've I've you could still bear with me. I'm not gonna repeat anything. You're completely fine. Have you ever been declared bankrupt? No? Fantastic. And moving on to health and lifestyle, I note that you were a smoker approximately sixteen plus years ago. Is that still the case being a nonsmoker? Beautiful. Good. That's lovely. And your health is still good? Yep. I had an I had a note here that you had high blood pressure. Is are you still taking a tablet for that? Yes. Yep. That's fine. That's fantastic. That's always good news. Alright. And we had your weights down at a 101 kilos. Is that still correct? Yep. Beautiful. And lastly, on my little list of invasive questions, do you have your estate planning? Do you have a will or power of attorney in place? No. Okay. Yes. Yes. Yes. Yes. We can I'll I'll touch on that shortly shortly with you as well. We'll we'll cover off those areas, particularly in relation to your super and your insurance and how how that will be passed if something was to happen to you. So we'll run through that from an estate planning perspective. And I'm just gonna circle back to your original goals and objectives that you had last time that you had a review. You wanted to pay down your personal debt and start being able to save to travel or possibly buy a home in the future. As that's I know that you're working really well towards paying down your debt. I can see that from how much progress you've made. Are you still looking at buying a home? Are you still looking at traveling? Yep. Beautiful. Do you when do you think you would buy your home? Mhmm. Yep. Okay. It does. Yep. Okay. And traveling, have you got any special travel plans? Oh, lovely. That sounds very exciting. How long are you gonna go for? Oh, wow. And what a beautiful oh, it's absolutely beautiful. That's very exciting. Something nice nice to look forward to, and that's beautiful. Hopefully, it's in, like, the Greek islands or something. Okay. Beautiful. Yeah. Nice. Mhmm. Oh, beautiful. Yep. Yep. Holiday mode. Fantastic. That's that's absolutely fine. Do you have someone that you that does your tax for you? Do you have someone that does your tax for you? Yep. Yep. Okay. Beautiful. Fantastic. The other there's a cut there's three more goals. One of them was you want to live comfortably and not have to worry about anything. Is that does that refer to now or in retirement? Yep. Okay. Beautiful. What does comfortable look like for you in retirement? Yep. Yeah. Yeah. That is yeah. Yep. Yep. What do you when it comes to retirement, what do you what kind of income do Yeah. Of course you can. And, like, you know, we can look at ways that we can work towards that if it's if it's something that we need to you know, it's a long term plan, obviously, given that you still go a little bit away from retirement. But in saying that as well, what age do is the ideal retirement age for yourself? That yes. So 67 is the age pension age, not the access to superannuation, etcetera. So what we if if there was a reliance on central on the age pension to fund part of your income needs, that's something we'd factor into, but you don't have to necessarily retire at the age pension age. You can for example, some people say 60 or 65 or they wanna potentially reduce their hours at the age of 60 and, you know, something that you you have to answer right now. This is something that, you know, we can keep working on over time. And that's where the sacrifice might come in where we go, okay. We need to look at putting some additional money into super over crypto or silver, for example, and really build that super in that tax effective environment for your future retirement. So they're they're the things that we can look at. Yeah. So in an ideal world, if I said to you, Carmen, when would you like to retire? What what would your answer today be? 60? Do you think you'd retire, like, permanently or reduce? Yeah. Yes. Yep. Yep. Beautiful. Okay. Do you think you'd I in an ideal world, again, very hard to answer that we're talking future state. Reducing, would you talking future state. Reducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60? Yep. Over time. Yep. Beautiful. Alright. That gives me something some good good figures and time frames to work with to project out what we need to do, look at strategies in helping you achieve that. The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son. Your life insurance, we'll go over in a moment and make sure that they're adequate for those needs and see if there's any need to reduce or increase cover. And and then we're gonna go through your other goal of making sure that your funds are invested and working working hard for you to help build that retirement income. Are there any other goals there that we need to that you have in mind that you've thought of since your last review? Yes. Yes. Yep. Yep. Yep. Overseas or yep. Yep. And being a regular your, let your, let's call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need? Yep. Mhmm. Okay. Alright. Fantastic. Alright. Fantastic. Alright. We can definitely look at that. What would you budget for on these holidays every two years? What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday? What would be your budget that I could factor in? Yeah. Exactly. I think in these scenarios, it's it is hard to answer those questions, but I would always go on the overestimating as opposed to underestimating. I mean, we can definitely factor it in and see what we can do to make sure that that if that happens. And, you know, depending on the economy at the time of when you are traveling, that's where you might you would probably need to factor that in and say, oh, even though I would like to travel to, let's just say, Canada and do an Arctic cruise this to you this this holiday, it's probably not likely we could revisit that in the next holiday and see if it's more doable then. So there are things that you'd just probably cross the bridge as you came to it. But I think just having an idea or a budget for yourself on what you would think that you would you would budget for would help in respect to really seeing what we need to do to get you there. Well, you could, but the what we would probably look at doing is comparing. And I will do this as I as I go away and, you know, look at our our conversation and see what we can do is you could, but the other option is is that there's the option to put it into superannuation as well via that additional contributions to super. So if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible. And from 60 onwards, we would look at funding that through your retirement income work and a combination of both. Yep. So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage? Yeah. Okay. Alright. Leave that with me. I'm gonna have some play with some figures. Do you have access to your emails at the moment? Alright. Beautiful. I'm just going to I'm about to hit send on an email that you'll receive that has a bunch of documents attached, and it will come from the email address odu sign. These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment. So if you let me know when you have that, I'm gonna run through them with you. Not at the moment. No. So there's two documents at the end we'll get you to sign, but it won't let you sign anything until we've run through everything anyway. So if you can just open the attachments, we're gonna run through them briefly. And, a it should be a a link that you can click on to open them. If you click sign, it should open it. Sorry. That's my mistake there. Yep. Yep. Fantastic. So is the first document you've got viewable a financial summary of your super and insurance? Yep. Fantastic. So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age. So that will continue to sit as is with no Let me have a look. I'm gonna jump into your previous one. I won't be at the moment. No. As it's yeah. So your review last year in February 2025, the balance was sitting at $3.35. 335. So it is indexing, and it does have some underlying investments in there, not just the fixed interest component. So it's we we would anticipate to continue to see growth, but it just might not oh, sorry. I think it might be this headset, to be honest with you. The as at your last and your review, which was February 2025, can you hear me better now? Yep. Yep. The balance was 335,000 approximately, so rounded. So that was a balance based on 2023 because we didn't have up to date information. So I'm just gonna jump in now and see your '23. Okay. I have a PSS statement here. So at 06/30/2025, it was 382,783. So it's not depreciating at all. We just wouldn't expect to see the same sort of growth as a, say, a hub, for example, a retail platform. Because in the underlying investments in a fund like a defined benefit is a lot of income defensive assets with some exposure to growth assets. So definitely not depreciating. But, yeah, you wouldn't expect to see the growth that in a in a typical superannuation accumulation fund as you have now as well. There might there might be that value. I'll check. What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records. The value for that would have been taken from sorry. Won't be a moment. It looks like last year late last year. So if you do have a current statement at all or a a a a screenshot of a login or anything like that. If you can send that through to us, we can make sure our records are updated to to reflect that. Well, that's okay. It's not urgent. I can send you an email post our our meeting with any details that you can just respond to if you like. Yep. That's fine. I will make a note of these, and I can send through an email post our meeting. That's absolutely fine. I've got we've got you have your Hub twenty four account, which you'll see and a balance of 225,278. We'll run through the performance of that. To date, are you happy with Hub as a platform and a provider? Beautiful. Fantastic. And we have your TEL insurance, which is funded through your Hub twenty four super balance. So what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it. We've got your life insurance at a 110,250. Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, including enough for a funeral. Do you think do you believe that the 110 is still appropriate given your levels of debt now, or are you thinking that you would decrease it? The other question is is when you do purchase a house, do you think there'll be debt attached to that house? So you just don't know. Yeah. Yeah. And that's that's absolutely fair. They're not easy questions to ask. So if you I guess if I broke it down in a different way, when when it comes to purchasing a home that you believe will be in the future, would you do that through retirement funds? Would you do that through potential future inheritances, or will you be doing it through savings and getting a mortgage? Yep. Yep. Yes. Yep. Alright. Beautiful. Given that you're not certain about the the a way that you would approach per purchasing a property, I probably wouldn't make any recommendations of decreasing any existing life or TPD cover at this stage just because if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it. But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point in time. Yes. Yep. Yep. Mhmm. Yes. Yes. Yeah. Those those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration. Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of yours. Yep. Yep. Yes. I under Yeah. Okay. Alright. Well, I'm gonna still leave it there as a goal of yours because it is still a goal, and we can keep revisiting that. I also have your income protection here at $5,304 per month. That will cover you if you are unable to work due to injury or illness. I'm just double checking now to make sure. You're probably a little bit underinsured in if I look at it compared to your income that you're earning. You're you're shy about a thousand dollars a month, we can look at increasing that benefit amount. So it's 5,300. If your income is around the 113,000 mark, we can look at ensuring that for oh gosh. I did the wrong thing there. It's it's about the 6,500 a month mark. So I'm not sure if you so what that means is going when you took the cover out, you might remember that you had to go through underwriting and complete a a lot of medical information and financial information. So any any increases we do make, that would require the same process, but it would not impact your existing cover. So it would only impact any underwriting would only be on the additional cover that you're applying for. Yep. Yeah. Okay. Fantastic. What exact. That's Okay. Yep. Alright. We can do that. I'll add that to our email for you to send through, so that's absolutely fine. Fantastic. Alright. So we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage. And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance. Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events. So they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable. The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP. IP, probably IP, sorry. Income protection, it's probably one of the most claimable policies. So you I just note that you don't have any of that. I'm just wondering if you are interested in looking at trauma insurance. That depends. So that is dependent on the the some insured and the company. So what we do is I'll I'll go away and look at your do some research at in the market. And the the sum insured would be based on your what it is that you're wanting those funds for. So, typically, a trauma policy is something that people will claim on when their illness is typically or the injury is not terminal, so there's a recovery period that you need to be able to get back up on your feet. Some may use it pay off a little bit of debt to take that that pressure off. Thank you. Thank you. That's the word I was looking for. And, you know, because in some cases as well, it might be that you're back at work before your income protection policy kicks in. So it really is dependent on what you would want covered, if there's out of pocket medical expenses, those types of things. So I can definitely run some calculations. It would just depend on did you want an act cover for out of pocket medical expenses, debt repaid, those items. We can look at it and recommend it whether and, you know, we can work with you on the affordability of it. But my re what typically we would look at is definitely out of pocket medical expenses. And because sometimes there are, even in the public health system, unfortunately, with even with things like cancer. I've seen myself with with friends. There is the cost of treatment. If it's not covered or you don't meet a certain what is it? Grade of cancer, then you do need to pay for treatment. So we definitely look at things like that. And then it would be a question of would you want the the debt that you have outstanding covered so you didn't have to worry about that and some income. Yeah. Yeah. Yeah. Let me play with some figures, and I'll do what we would typically recommend. We can then have a conversation from that and work our way backwards. And it might be that we just catch up again before we do once I've done all this research to run through some of the details that I've found, and we can go from there. I know. I know. There's a sorry? Mhmm. Yeah. That's right. That's right. Yeah. It's something that we've probably or experienced to some degree, whether it be a family member, a friend, or even ourselves. Yeah. So yeah. Yes. Yeah. Definitely. So I'll definitely add that to my list of little of items to conduct a little bit of research on. The next document in your review pack is should be a performance report from Hub twenty four. Is that the next one that you have? Okay. So from that, the second page will show you a return a net return. So this is gross after fees, sorry, of 6.52%. Now your risk profile is a gross risk profile, and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile. The return on a growth risk profile would sit between the seven to 9% mark, which is reflective. If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund. It's had a significant loss in the last twelve months. If you can see in brackets, it's a loss of 21.28%. Now it is. It is. Now that's not reflective of the actual Australian share market as a whole. It's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them. Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors. So with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return. So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial. So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable with that. Yep. Correct. Yep. Yeah. Yeah. Yep. But overall, even though that was a large dip, the fact that you've still had a positive return from the great performance of your other assets within there is is really favorable. The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF. Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the bank hybrid. Yeah. So all that is in it's not all. The it forms part of your defensive portfolio. So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest. Now the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund. So it's not that it's performing badly or anything is the reason why we wanna look at it. What we why we I personally would like to look at it is it is being phased out of the market. So by January 2027, I believe, is when they will cease the hybrids. I think I'd rather prefer to be proactive in that space and look at if there are are better options available for you. So if you're happy with that, I'd like to do a little bit of research on that also. Yeah. Yeah. Definitely. Do you with your portfolio with Hub, do you have any questions? No. Yeah. Yep. Yes. Yes. Definitely. Yeah. Of course. And and with a gross risk profile, you're looking at about every one in five years of having a negative return. So even though you haven't had a negative return overall, you have had a negative impact to your portfolio. But, also, you've got 80% allocation to your growth assets. So you are you are definitely gonna experience market ups and downs. But with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested in. So you do have time, and staying in a gross risk profile, if you're comfortable with that, having the 20% split with your time frame, I would rely on you to tell me whether you are still comfortable with that based on your retirement age. No. No. No. What we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months, looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you. And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast. So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that. But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30% defensive. So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years. So that's something that we would definitely look at doing as you approach retirement and on on your also your comfort with risk. So I think probably there's two aggressive investment you have ever made? So you can look at this from your superannuation fund or even you're you're doing crypto at the moment. So I'd probably say you're quite a aggressive investor that understands risk. Would you say that? Yep. So if that's good. So we've got direct shares and managed funds. So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk. So that's the answer to that question. The with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market? So there's a couple of questions here. Number or answers, I should say. Number one, you're willing to accept very high risk to outpace inflation. Number two, you're willing to accept high risk to outpace. So basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at all. It is. Look. It it just gives us an idea of your risk tolerance. So there's no right or wrong answer. It just helps us understand better where we where risk can become concerning little bit. Yeah. I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week. That's still seven years in the market. So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage. And then even it's even longer if it's if it your retirement does push out. Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio. So it's, yeah, it's up to it's really your comfort level. It's completely your gut feeling. Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at all. Moderate. Perfect. That's absolutely fine. Now the next question is, if how would you feel if in six months after investing, you found out that your portfolio had dropped by 20% just due to the general trends and ebbs and flows of the market, would you want to, number one, invest more for heavy growth? Number two, invest modest modestly for heavy growth, hold and wait, shift to defensive asset, minimizing your losses, or convert to cash. Yep. Okay. Yeah. Yeah. Yep. That's absolutely fine. And what kind of return would you expect to get from your superannuation long term? So 8% or above, six to 8%, four to six, two to four, or zero to two. Yep. No. And no. This just gives us an idea of your tolerance to risk. So, I mean, I think yeah. Of course, we can. Yeah. Okay. That's a Yes. Yeah. That's correct. Yeah. And what you're saying makes sense. So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with. So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach. Yep. Yep. Mhmm. Mhmm. Mhmm. Yes. Yep. Yeah. And and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well. So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature. So that so that's the thing we will look at. Yes. Yeah. Yeah. Exactly. So the okay. So we'll look at those things. And have your investments optimistic about future investments. Two, cautious and no further investments planned. Three, concerned. Four, highly anxious and seeking advice. Five, seeking to maintain a loss free advice. Five, seeking to maintain a loss free record. Yep. Yep. Yep. Yeah. Yep. Yep. Okay. Mhmm. Yep. Yep. Yeah. I love that saying. I say that all the time. I understand what you're saying. Beautiful. And the last question here is, have you ever thought about taking out a loan to invest? Alright. Beautiful. So you're still coming out as a growth investor. I think that so that's what you're you're invested in now. What I will do is part of my research is when I get your rundown from PSS is, like, take that into consideration as well, what the asset allocation is there when we're doing a little bit of research. And just make sure that it it's got an appropriate you've got an appropriate exposure to your gross assets whilst also taking a core not a cautious, but a realistic approach to defensive assets as well given your your thoughts on your age and proximity to to retirement. Is that is that okay? Yep. The next document on the that pack that was sent through to you is the 2025 Vanguard index chart. That probably talks a little bit and gives you a little bit of a visual of what we've just gone through. Is that the document that you have? Yep. So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the page, they're the growth they're the growth assets that we're we're talking about. So they're the ones that you would when looking at the graph, you'll see a fair bit more volatility in. There there are growth and income producing assets, whereas the ones below, strained bonds, cash, and CPI, there are defensive assets. Although depending on how the market reacts, they do provide a little bit of growth over time, but they're typically income producing assets where it creates that defensive part of the portfolio for you. Do you have any questions about that or how the Sorry. No. That's okay. I'm gonna check this headset when our when our time is up. Yeah. It's yes. Yes. Yep. Yep. Growth assets. So those top four, so you see Australian shares, international shares, and Australian listed property, they're all they all fall into the growth section of your portfolio. And the bottom three being your bonds, cash, CPI well, not really CPI, but your bonds and your cash, that's the defensive part of your portfolio. So at the moment, you've got an allocation to 80% to the top four and 20% for the bottom two. Any quick any questions about that? Beautiful. Beautiful. The next document is just is your insurance certificate of currency with. It just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier. The next yeah. Any questions on that one? No? No. Okay. And you're happy with yeah. I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you. Would you like me to do that? Yeah. There are there is some stamp duty on some of it. Oh, you've you've got the stamp duty there. Beautiful. Yep. So because that's just on your IP. Yeah. So, yeah, you're right. That's correct. Yes. So your I income protection will make up the difference. So it is and your premium, 7. So you're looking at about $1,800 a year for your income protection, including stamp duty. The next document is your FSG. So well, our FSG, I should say. What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC. And it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed. So that is an an information document, really, for yourself. Did you have any questions about that? No? Beautiful. The last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you. But what this is is it's your annual fees. So this is what is paid through from your hub twenty four for your superannuation advice and the services that we provide to you. So you're not limited on the number of reviews that you have per annum. You can phone us at any time. If you have questions, you need advice on anything. So the fee here is noted. Let me see where it's gone wrong so I can actually give you the correct amount. So when Whitlam sends it through sorry. It won't be a sec. Yeah. That's okay. That that's so that document there, I will get with that allows us to keep your tax file number on record. It's the only document that we do. And the reason why is because we provide it to the hub twenty four. So being that we're approved to hold that on file for you, if we don't, hub twenty four, your super fund will be taxed at a higher tax rate, so it's beneficial too. No. So that's why we get you to sign that, and that just lets us know that you have approved that on our our end. So the fee based on so that's so then I'll get you to jump over to the next one, which is the ongoing fee arrangement. You can do it at the end if you like. I believe oh, okay. Yep. Maybe sign that. Yeah. Definitely. Yes. Yes. Yeah. UdoSign is a software that we use, so that's legitimate. Oh, okay. No. That's okay. I think you can even just type your name in, but you can do a post doc call. There's no urgency. Whitlam has also sent through the new updated consent fee. So that's gonna be in a separate email, but I'll just talk to you as in it's this one. What I might do is get you to jump out of those emails, if that's okay, and then go to the new one that's showing on from OdooSign. It should be at the top of your inbox. Yes. Yeah. Yep. So if you open that one, it'll be the last document of that pack. Sorry. And now I just I wanna make sure that I'm giving you the right information, So I don't wanna give you the wrong information. That's okay. It's always the way. Jenna. No. I'm Jenna. Yeah. Yeah. I'm taking should be oh, not in the FSG at the moment. I'm I'm actually starting to take over from Veronica while she's on maternity leave. So, yeah, not at it should be. I'd have to double check with it one moment. Yeah. It should be the last document. Yes. Beautiful. That's it. So these are the documents we'll get you to sign rather than the ones they're all the all the other documents are the same previously. It's just this one that's a little bit different. And it it's just a it's you signing off that you wish to continue being a client of Oakview, and it is a flat fee. So you'll see the estimated fee amount below the below the little table. What that is is a flat fee. Previously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee. Previously, it'd be a percent fee. So depending on how the market was performing, you know, if the market was performing well, your monthly fee would be a little bit higher. We've changed our fee process to be a flat fee, so that gives clients a fixed term and understanding every single month of what that fee will be that's deducted from their hub twenty four account or their personal account depending on what way they wish to proceed. So your sorry? Yep. Yep. So you yeah. That's correct. So if what that would mean is in your hub account, you would see a fee of $310.43 approximately because it's got the $33.03 per month, and that's a flat fee now instead of a previously being a percent based fee. So so that yeah. That what what it means is that when your portfolio is performing well, that our monthly fee isn't gonna be higher. It's just a set fee, and that's what it is. So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged. Yep. Beautiful. It stays the same. So, yeah, regardless on the ups and downs, our fees for the service, not the performance of your funds. So if you need to speak to me every month for the next twelve months, that's what you're paying for. I think I think it works out 310 roughly. So that will be and that's all very transparent in your hub account, so you'll be able to see that. And if there's ever any issues, you just give us a call. Beautiful. So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son. So he's 19 years of age. You have your your defined benefit, your life insurance. So you have a fair bit of asset there that should anything happen to you, needs to pass seamlessly to your son. If you die without a will, things can be held up for quite a long time and make it very messy for him. So we do always recommend that our clients look at establishing a will and an enduring power of attorney. What an enduring power of attorney is is it just allows someone to make decisions for you financially and from a health perspective at a certain time, and that could be if you were unable to make decisions for yourself. It's all within a document, which a a lawyer would typically draw up for you and make sure that all bases are covered and that you can't be taken advantage of, not by your son, but by somebody else potentially. That's Mhmm. Of course. And that's something that you you would discuss with the with the solicitor. And it might be that you have two powers of attorney. The first one being let's call them Fred. And then if Fred's unable to act on your behalf, it might then be your son that's second. So you would have backup, But I think in that respect, we we we do have a professional partner that we work with. Would you like me to send you through a brochure just for you to review that? And if you're happy, we can arrange for them to contact you. Yes. That is a lot. Yeah. Yep. Yeah. Yes. Yep. Yes. Of course. Yeah. Yep. Yep. I will send that through to you because the other item that flagged it for me was if you don't have any beneficiary nominations on your life policy with Cal or through your super fund. So at the moment, that what that means is, basically, the trustees will decide where that goes, and more than likely, that will be to gain, being your your kin. However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will. So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts. So it's probably something that we do need to look at, and we can have a look at those. I'll send you through the brochure, but we'll also look at that in my research also. Absolutely. No. Absolutely. Absolutely. Yep. Yep. So we'll send that through to you. And my understanding is I haven't seen it as yet, but it gives you an idea of costs and everything. So I believe they're actually quite affordable, to be honest with you. I should probably get my eyes on that. I've I've only just started in the last few weeks. I'm still looking at things. But in saying that also, I've been an adviser for a really long time. So, hopefully, that provides you with some comfort as well. So yeah. No. We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of. Alright. So I guess any questions from your end? Beautiful. That's what I like to hear. What I'm gonna do is I'm going to go away and do some research on a lot of the things that we have talked about. If there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you. But I am gonna hold off a little bit until we understand next week what your income actually looks like. Sorry? Yeah. Yeah. Yeah. Definitely. If you're comfortable doing that, that's just going that's just to make sure you're happy to continue proceeding with us. That's absolutely fine. I would ask if you're happy to and you're comfortable to sign that. This is just my action items that I'm gonna go and review your portfolio. So look at replacing, Bennelong and the bank hybrids we talked about, looking at your trauma insurance, waiting on your income amount to see if we look at increasing your income protection, those sorts of things. So there are more action items for me to make sure that I get back to you on. And if there is any advice that I need to provide to update a few things, I get on to that. That's okay. I'm gonna send, yeah, I'm gonna send you an email with those items, so that's fine. If you lose your piece of paper, I'm gonna send that through to you. And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing. Beautiful. So if you fantastic. Beautiful. So if you fantastic. Yeah. And if you've got if you've got any questions at all in the meantime, just give me a call, and we can go from there. But I'll I anticipate research process takes about three weeks to get everything back from the provider. So I anticipate reaching out to you probably in about two, two and a half weeks time to book in a time that we can just run through. Fantastic. Well, thank you so much for your time today, Carmen. I really do appreciate it. No. You're welcome. And saw those electronic ones these days. Some of them accept, you know, you type in your name. Some of them want you to do a proper signature. It's all over the place. Fantastic. Is this the second one? It might be the TFN one, tax file number one. Yep. Because they're the two that typically need they're the two that need the signing, the ongoing service agreement and the tax file number. Yeah. Yep. Yep. Yep. Absolutely. Absolutely. I will stay on the line with you on the line with you. And if we need to troubleshoot anything, I have Whitlam here who will help me troubleshoot as well. So we'll we'll see how it goes. Okay. Beautiful. That usually takes only a few minutes to pop through pop back. Got a case of Mondayitis. Alright. There you go. Fantastic. Let me just jump in. I'll just check with I'll just check with Whitlam. I won't be a second. Yep. All perfect. Thank you so much for that. Beautiful. Thanks, Carmen. I will be in touch soon. Okay. 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Carmen. How are you today? Good. Thank you. This is Jenna here, phoning from financial.\n\nOh, sorry about that. I'm just I got my headset on. Hopefully is that any better? Is that any better? Okay.\n\nThat's alright. I try and push the microphone to my face a little better. Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful.\n\nAnd just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please? Beautiful. Thank you, Carmen. I appreciate that. How's your day been so far?\n\nOh, that's good. That's fantastic. So the purpose of my call our call this morning is to go through your annual review. Just confirming you have some time to do that. Fantastic.\n\nAlright. Before we move to the review itself, I just wanna run through our Saks Fund to make sure that all the details I have for you are correct and relevant still. So I just want to confirm your marital status. Are you single in a partnership? Single.\n\nBeautiful. And your email address is calmsGabe@Gmail.com? And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770. Fantastic. Alright.\n\nYes. Is that 3 McVeigh Place, Rootie Hill, New South Wales 2766? Beautiful. We do have that. Thank you.\n\nInstead of previous address, I'm gonna update that as postal address. Fantastic. Now I have that you have one dependent. Is that Gabriel? Yep.\n\nNo. He's nineteen. Okay. And he's listed as your next of kin. Is that correct?\n\nFantastic. And we've got his mobile number ending in 19198. Yep. Fantastic. Thanks for that comment.\n\nI'm just gonna move on to some more personal details in relation to yourself. Your occupation, we have here listed as an Aboriginal specialist officer. Is that correct? Beautiful. And the amount in the office and the field hasn't changed?\n\nWe had a thirty seventh. Yep. Fantastic. Beautiful. And still working thirty eight hours a week on a full full time basis?\n\nYep. Okay. We have your income here as 110,000 per annum. Is that right? Okay.\n\nBeautiful. And is that oh, gosh. My fingers are not working today. Does that include any penalties or overtime, or is that just the base? Just the base.\n\nSo do you have any idea what it would be with any overtime if you did do any? Okay. Beautiful. Yep. Okay.\n\nAlright. Fantastic. And we have your expenditure here listed at 1,100 a week. Would that still be correct? And do you have it expenditure.\n\nA a week, we have it down as. No. Beautiful. And are you sorry. Are you accumulating any savings per week?\n\nYep. Yep. That's okay. Yep. Yep.\n\nAnd how much are you putting into that on a regular basis? Yep. That's okay. And is that the same as your savings? How much are you putting in that on a regular?\n\nYep. Beautiful. Alright. Fantastic. Thank you.\n\nAre you making any additional contributions to super at all, like, sorry, sacrificing? No? Yeah. It yeah. I do have a note of that here.\n\nWhat's that valued at now? Yep. Did you say 50 6? Okay. Okay.\n\nBeautiful. Fantastic. With your superannuation, you are you looking at making any additional contributions to super to work towards retirement plans and goals or no? Yeah. Okay.\n\nI'm gonna yeah. Sorry? Yep. Okay. I'm gonna make a note of that so we can circle back to that shortly.\n\nAlways a good thing to have as a bit of a discussion piece. We now moving on to debt, we had a per with personal loan of 12,900. Is that still correct? Yes? What would it be now?\n\nIt's always the way, isn't it? When you need it, it's it's difficult. Wonderful. And how much you pay on that per fortnight or per week? Fantastic.\n\nAnd we had a credit card listed with a $4,000 balance. Is that still that gone? Zero? Do you have is the credit card in yep. Fantastic.\n\nWell, great strides you've taken. So that's brilliant. And a car lease. Do you still have that? A car lease?\n\nYeah. A lease on a car or is it yeah. No. That's okay. Do you know where when the term is supposed to end?\n\nHow much debt is remaining on it? Do you have any of those details? Yep. Yep. Okay.\n\nYep. Okay. Okay. Okay. So every twelve months, new car.\n\nOkay. Alright. Beautiful. Any other assets or debts? Well, I've I've you could still bear with me.\n\nI'm not gonna repeat anything. You're completely fine. Have you ever been declared bankrupt? No? Fantastic.\n\nAnd moving on to health and lifestyle, I note that you were a smoker approximately sixteen plus years ago. Is that still the case being a nonsmoker? Beautiful. Good. That's lovely.\n\nAnd your health is still good? Yep. I had an I had a note here that you had high blood pressure. Is are you still taking a tablet for that? Yes.\n\nYep. That's fine. That's fantastic. That's always good news. Alright.\n\nAnd we had your weights down at a 101 kilos. Is that still correct? Yep. Beautiful. And lastly, on my little list of invasive questions, do you have your estate planning?\n\nDo you have a will or power of attorney in place? No. Okay. Yes. Yes.\n\nYes. Yes. We can I'll I'll touch on that shortly shortly with you as well. We'll we'll cover off those areas, particularly in relation to your super and your insurance and how how that will be passed if something was to happen to you. So we'll run through that from an estate planning perspective.\n\nAnd I'm just gonna circle back to your original goals and objectives that you had last time that you had a review. You wanted to pay down your personal debt and start being able to save to travel or possibly buy a home in the future. As that's I know that you're working really well towards paying down your debt. I can see that from how much progress you've made. Are you still looking at buying a home?\n\nAre you still looking at traveling? Yep. Beautiful. Do you when do you think you would buy your home? Mhmm.\n\nYep. Okay. It does. Yep. Okay.\n\nAnd traveling, have you got any special travel plans? Oh, lovely. That sounds very exciting. How long are you gonna go for? Oh, wow.\n\nAnd what a beautiful oh, it's absolutely beautiful. That's very exciting. Something nice nice to look forward to, and that's beautiful. Hopefully, it's in, like, the Greek islands or something. Okay.\n\nBeautiful. Yeah. Nice. Mhmm. Oh, beautiful.\n\nYep. Yep. Holiday mode. Fantastic. That's that's absolutely fine.\n\nDo you have someone that you that does your tax for you? Do you have someone that does your tax for you? Yep. Yep. Okay.\n\nBeautiful. Fantastic. The other there's a cut there's three more goals. One of them was you want to live comfortably and not have to worry about anything. Is that does that refer to now or in retirement?\n\nYep. Okay. Beautiful. What does comfortable look like for you in retirement? Yep.\n\nYeah. Yeah. That is yeah. Yep. Yep.\n\nWhat do you when it comes to retirement, what do you what kind of income do Yeah. Of course you can. And, like, you know, we can look at ways that we can work towards that if it's if it's something that we need to you know, it's a long term plan, obviously, given that you still go a little bit away from retirement. But in saying that as well, what age do is the ideal retirement age for yourself? That yes.\n\nSo 67 is the age pension age, not the access to superannuation, etcetera. So what we if if there was a reliance on central on the age pension to fund part of your income needs, that's something we'd factor into, but you don't have to necessarily retire at the age pension age. You can for example, some people say 60 or 65 or they wanna potentially reduce their hours at the age of 60 and, you know, something that you you have to answer right now. This is something that, you know, we can keep working on over time. And that's where the sacrifice might come in where we go, okay.\n\nWe need to look at putting some additional money into super over crypto or silver, for example, and really build that super in that tax effective environment for your future retirement. So they're they're the things that we can look at. Yeah. So in an ideal world, if I said to you, Carmen, when would you like to retire? What what would your answer today be?\n\n60? Do you think you'd retire, like, permanently or reduce? Yeah. Yes. Yep.\n\nYep. Beautiful. Okay. Do you think you'd I in an ideal world, again, very hard to answer that we're talking future state. Reducing, would you talking future state.\n\nReducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60? Yep. Over time. Yep. Beautiful.\n\nAlright. That gives me something some good good figures and time frames to work with to project out what we need to do, look at strategies in helping you achieve that. The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son. Your life insurance, we'll go over in a moment and make sure that they're adequate for those needs and see if there's any need to reduce or increase cover. And and then we're gonna go through your other goal of making sure that your funds are invested and working working hard for you to help build that retirement income.\n\nAre there any other goals there that we need to that you have in mind that you've thought of since your last review? Yes. Yes. Yep. Yep.\n\nYep. Overseas or yep. Yep. And being a regular your, let your, let's call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need? Yep.\n\nMhmm. Okay. Alright. Fantastic. Alright.\n\nFantastic. Alright. We can definitely look at that. What would you budget for on these holidays every two years? What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday?\n\nWhat would be your budget that I could factor in? Yeah. Exactly. I think in these scenarios, it's it is hard to answer those questions, but I would always go on the overestimating as opposed to underestimating. I mean, we can definitely factor it in and see what we can do to make sure that that if that happens.\n\nAnd, you know, depending on the economy at the time of when you are traveling, that's where you might you would probably need to factor that in and say, oh, even though I would like to travel to, let's just say, Canada and do an Arctic cruise this to you this this holiday, it's probably not likely we could revisit that in the next holiday and see if it's more doable then. So there are things that you'd just probably cross the bridge as you came to it. But I think just having an idea or a budget for yourself on what you would think that you would you would budget for would help in respect to really seeing what we need to do to get you there. Well, you could, but the what we would probably look at doing is comparing. And I will do this as I as I go away and, you know, look at our our conversation and see what we can do is you could, but the other option is is that there's the option to put it into superannuation as well via that additional contributions to super.\n\nSo if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible. And from 60 onwards, we would look at funding that through your retirement income work and a combination of both. Yep. So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage? Yeah.\n\nOkay. Alright. Leave that with me. I'm gonna have some play with some figures. Do you have access to your emails at the moment?\n\nAlright. Beautiful. I'm just going to I'm about to hit send on an email that you'll receive that has a bunch of documents attached, and it will come from the email address odu sign. These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment. So if you let me know when you have that, I'm gonna run through them with you.\n\nNot at the moment. No. So there's two documents at the end we'll get you to sign, but it won't let you sign anything until we've run through everything anyway. So if you can just open the attachments, we're gonna run through them briefly. And, a it should be a a link that you can click on to open them.\n\nIf you click sign, it should open it. Sorry. That's my mistake there. Yep. Yep.\n\nFantastic. So is the first document you've got viewable a financial summary of your super and insurance? Yep. Fantastic. So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age.\n\nSo that will continue to sit as is with no Let me have a look. I'm gonna jump into your previous one. I won't be at the moment. No. As it's yeah.\n\nSo your review last year in February 2025, the balance was sitting at $3.35. 335. So it is indexing, and it does have some underlying investments in there, not just the fixed interest component. So it's we we would anticipate to continue to see growth, but it just might not oh, sorry. I think it might be this headset, to be honest with you.\n\nThe as at your last and your review, which was February 2025, can you hear me better now? Yep. Yep. The balance was 335,000 approximately, so rounded. So that was a balance based on 2023 because we didn't have up to date information.\n\nSo I'm just gonna jump in now and see your '23. Okay. I have a PSS statement here. So at 06/30/2025, it was 382,783. So it's not depreciating at all.\n\nWe just wouldn't expect to see the same sort of growth as a, say, a hub, for example, a retail platform. Because in the underlying investments in a fund like a defined benefit is a lot of income defensive assets with some exposure to growth assets. So definitely not depreciating. But, yeah, you wouldn't expect to see the growth that in a in a typical superannuation accumulation fund as you have now as well. There might there might be that value.\n\nI'll check. What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records. The value for that would have been taken from sorry. Won't be a moment. It looks like last year late last year.\n\nSo if you do have a current statement at all or a a a a screenshot of a login or anything like that. If you can send that through to us, we can make sure our records are updated to to reflect that. Well, that's okay. It's not urgent. I can send you an email post our our meeting with any details that you can just respond to if you like.\n\nYep. That's fine. I will make a note of these, and I can send through an email post our meeting. That's absolutely fine. I've got we've got you have your Hub twenty four account, which you'll see and a balance of 225,278.\n\nWe'll run through the performance of that. To date, are you happy with Hub as a platform and a provider? Beautiful. Fantastic. And we have your TEL insurance, which is funded through your Hub twenty four super balance.\n\nSo what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it. We've got your life insurance at a 110,250. Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, including enough for a funeral. Do you think do you believe that the 110 is still appropriate given your levels of debt now, or are you thinking that you would decrease it? The other question is is when you do purchase a house, do you think there'll be debt attached to that house?\n\nSo you just don't know. Yeah. Yeah. And that's that's absolutely fair. They're not easy questions to ask.\n\nSo if you I guess if I broke it down in a different way, when when it comes to purchasing a home that you believe will be in the future, would you do that through retirement funds? Would you do that through potential future inheritances, or will you be doing it through savings and getting a mortgage? Yep. Yep. Yes.\n\nYep. Alright. Beautiful. Given that you're not certain about the the a way that you would approach per purchasing a property, I probably wouldn't make any recommendations of decreasing any existing life or TPD cover at this stage just because if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it. But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point in time.\n\nYes. Yep. Yep. Mhmm. Yes.\n\nYes. Yeah. Those those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration. Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of yours. Yep.\n\nYep. Yes. I under Yeah. Okay. Alright.\n\nWell, I'm gonna still leave it there as a goal of yours because it is still a goal, and we can keep revisiting that. I also have your income protection here at $5,304 per month. That will cover you if you are unable to work due to injury or illness. I'm just double checking now to make sure. You're probably a little bit underinsured in if I look at it compared to your income that you're earning.\n\nYou're you're shy about a thousand dollars a month, we can look at increasing that benefit amount. So it's 5,300. If your income is around the 113,000 mark, we can look at ensuring that for oh gosh. I did the wrong thing there. It's it's about the 6,500 a month mark.\n\nSo I'm not sure if you so what that means is going when you took the cover out, you might remember that you had to go through underwriting and complete a a lot of medical information and financial information. So any any increases we do make, that would require the same process, but it would not impact your existing cover. So it would only impact any underwriting would only be on the additional cover that you're applying for. Yep. Yeah.\n\nOkay. Fantastic. What exact. That's Okay. Yep.\n\nAlright. We can do that. I'll add that to our email for you to send through, so that's absolutely fine. Fantastic. Alright.\n\nSo we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage. And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance. Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events. So they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable. The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP.\n\nIP, probably IP, sorry. Income protection, it's probably one of the most claimable policies. So you I just note that you don't have any of that. I'm just wondering if you are interested in looking at trauma insurance. That depends.\n\nSo that is dependent on the the some insured and the company. So what we do is I'll I'll go away and look at your do some research at in the market. And the the sum insured would be based on your what it is that you're wanting those funds for. So, typically, a trauma policy is something that people will claim on when their illness is typically or the injury is not terminal, so there's a recovery period that you need to be able to get back up on your feet. Some may use it pay off a little bit of debt to take that that pressure off.\n\nThank you. Thank you. That's the word I was looking for. And, you know, because in some cases as well, it might be that you're back at work before your income protection policy kicks in. So it really is dependent on what you would want covered, if there's out of pocket medical expenses, those types of things.\n\nSo I can definitely run some calculations. It would just depend on did you want an act cover for out of pocket medical expenses, debt repaid, those items. We can look at it and recommend it whether and, you know, we can work with you on the affordability of it. But my re what typically we would look at is definitely out of pocket medical expenses. And because sometimes there are, even in the public health system, unfortunately, with even with things like cancer.\n\nI've seen myself with with friends. There is the cost of treatment. If it's not covered or you don't meet a certain what is it? Grade of cancer, then you do need to pay for treatment. So we definitely look at things like that.\n\nAnd then it would be a question of would you want the the debt that you have outstanding covered so you didn't have to worry about that and some income. Yeah. Yeah. Yeah. Let me play with some figures, and I'll do what we would typically recommend.\n\nWe can then have a conversation from that and work our way backwards. And it might be that we just catch up again before we do once I've done all this research to run through some of the details that I've found, and we can go from there. I know. I know. There's a sorry?\n\nMhmm. Yeah. That's right. That's right. Yeah.\n\nIt's something that we've probably or experienced to some degree, whether it be a family member, a friend, or even ourselves. Yeah. So yeah. Yes. Yeah.\n\nDefinitely. So I'll definitely add that to my list of little of items to conduct a little bit of research on. The next document in your review pack is should be a performance report from Hub twenty four. Is that the next one that you have? Okay.\n\nSo from that, the second page will show you a return a net return. So this is gross after fees, sorry, of 6.52%. Now your risk profile is a gross risk profile, and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile. The return on a growth risk profile would sit between the seven to 9% mark, which is reflective. If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund.\n\nIt's had a significant loss in the last twelve months. If you can see in brackets, it's a loss of 21.28%. Now it is. It is. Now that's not reflective of the actual Australian share market as a whole.\n\nIt's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them. Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors. So with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return. So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial. So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable with that.\n\nYep. Correct. Yep. Yeah. Yeah.\n\nYep. But overall, even though that was a large dip, the fact that you've still had a positive return from the great performance of your other assets within there is is really favorable. The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF. Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the bank hybrid. Yeah.\n\nSo all that is in it's not all. The it forms part of your defensive portfolio. So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest. Now the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund. So it's not that it's performing badly or anything is the reason why we wanna look at it.\n\nWhat we why we I personally would like to look at it is it is being phased out of the market. So by January 2027, I believe, is when they will cease the hybrids. I think I'd rather prefer to be proactive in that space and look at if there are are better options available for you. So if you're happy with that, I'd like to do a little bit of research on that also. Yeah.\n\nYeah. Definitely. Do you with your portfolio with Hub, do you have any questions? No. Yeah.\n\nYep. Yes. Yes. Definitely. Yeah.\n\nOf course. And and with a gross risk profile, you're looking at about every one in five years of having a negative return. So even though you haven't had a negative return overall, you have had a negative impact to your portfolio. But, also, you've got 80% allocation to your growth assets. So you are you are definitely gonna experience market ups and downs.\n\nBut with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested in. So you do have time, and staying in a gross risk profile, if you're comfortable with that, having the 20% split with your time frame, I would rely on you to tell me whether you are still comfortable with that based on your retirement age. No. No. No.\n\nWhat we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months, looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you. And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast. So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that. But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30% defensive. So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years.\n\nSo that's something that we would definitely look at doing as you approach retirement and on on your also your comfort with risk. So I think probably there's two aggressive investment you have ever made? So you can look at this from your superannuation fund or even you're you're doing crypto at the moment. So I'd probably say you're quite a aggressive investor that understands risk. Would you say that?\n\nYep. So if that's good. So we've got direct shares and managed funds. So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk. So that's the answer to that question.\n\nThe with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market? So there's a couple of questions here. Number or answers, I should say. Number one, you're willing to accept very high risk to outpace inflation. Number two, you're willing to accept high risk to outpace.\n\nSo basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at all. It is. Look. It it just gives us an idea of your risk tolerance. So there's no right or wrong answer.\n\nIt just helps us understand better where we where risk can become concerning little bit. Yeah. I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week. That's still seven years in the market. So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage.\n\nAnd then even it's even longer if it's if it your retirement does push out. Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio. So it's, yeah, it's up to it's really your comfort level. It's completely your gut feeling. Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at all.\n\nModerate. Perfect. That's absolutely fine. Now the next question is, if how would you feel if in six months after investing, you found out that your portfolio had dropped by 20% just due to the general trends and ebbs and flows of the market, would you want to, number one, invest more for heavy growth? Number two, invest modest modestly for heavy growth, hold and wait, shift to defensive asset, minimizing your losses, or convert to cash.\n\nYep. Okay. Yeah. Yeah. Yep.\n\nThat's absolutely fine. And what kind of return would you expect to get from your superannuation long term? So 8% or above, six to 8%, four to six, two to four, or zero to two. Yep. No.\n\nAnd no. This just gives us an idea of your tolerance to risk. So, I mean, I think yeah. Of course, we can. Yeah.\n\nOkay. That's a Yes. Yeah. That's correct. Yeah.\n\nAnd what you're saying makes sense. So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with. So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach. Yep. Yep.\n\nMhmm. Mhmm. Mhmm. Yes. Yep.\n\nYeah. And and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well. So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature. So that so that's the thing we will look at. Yes.\n\nYeah. Yeah. Exactly. So the okay. So we'll look at those things.\n\nAnd have your investments optimistic about future investments. Two, cautious and no further investments planned. Three, concerned. Four, highly anxious and seeking advice. Five, seeking to maintain a loss free advice.\n\nFive, seeking to maintain a loss free record. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Okay. Mhmm. Yep.\n\nYep. Yeah. I love that saying. I say that all the time. I understand what you're saying.\n\nBeautiful. And the last question here is, have you ever thought about taking out a loan to invest? Alright. Beautiful. So you're still coming out as a growth investor.\n\nI think that so that's what you're you're invested in now. What I will do is part of my research is when I get your rundown from PSS is, like, take that into consideration as well, what the asset allocation is there when we're doing a little bit of research. And just make sure that it it's got an appropriate you've got an appropriate exposure to your gross assets whilst also taking a core not a cautious, but a realistic approach to defensive assets as well given your your thoughts on your age and proximity to to retirement. Is that is that okay? Yep.\n\nThe next document on the that pack that was sent through to you is the 2025 Vanguard index chart. That probably talks a little bit and gives you a little bit of a visual of what we've just gone through. Is that the document that you have? Yep. So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the page, they're the growth they're the growth assets that we're we're talking about.\n\nSo they're the ones that you would when looking at the graph, you'll see a fair bit more volatility in. There there are growth and income producing assets, whereas the ones below, strained bonds, cash, and CPI, there are defensive assets. Although depending on how the market reacts, they do provide a little bit of growth over time, but they're typically income producing assets where it creates that defensive part of the portfolio for you. Do you have any questions about that or how the Sorry. No.\n\nThat's okay. I'm gonna check this headset when our when our time is up. Yeah. It's yes. Yes.\n\nYep. Yep. Growth assets. So those top four, so you see Australian shares, international shares, and Australian listed property, they're all they all fall into the growth section of your portfolio. And the bottom three being your bonds, cash, CPI well, not really CPI, but your bonds and your cash, that's the defensive part of your portfolio.\n\nSo at the moment, you've got an allocation to 80% to the top four and 20% for the bottom two. Any quick any questions about that? Beautiful. Beautiful. The next document is just is your insurance certificate of currency with.\n\nIt just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier. The next yeah. Any questions on that one? No? No.\n\nOkay. And you're happy with yeah. I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you. Would you like me to do that? Yeah.\n\nThere are there is some stamp duty on some of it. Oh, you've you've got the stamp duty there. Beautiful. Yep. So because that's just on your IP.\n\nYeah. So, yeah, you're right. That's correct. Yes. So your I income protection will make up the difference.\n\nSo it is and your premium, 7. So you're looking at about $1,800 a year for your income protection, including stamp duty. The next document is your FSG. So well, our FSG, I should say. What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC.\n\nAnd it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed. So that is an an information document, really, for yourself. Did you have any questions about that? No? Beautiful.\n\nThe last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you. But what this is is it's your annual fees. So this is what is paid through from your hub twenty four for your superannuation advice and the services that we provide to you. So you're not limited on the number of reviews that you have per annum. You can phone us at any time.\n\nIf you have questions, you need advice on anything. So the fee here is noted. Let me see where it's gone wrong so I can actually give you the correct amount. So when Whitlam sends it through sorry. It won't be a sec.\n\nYeah. That's okay. That that's so that document there, I will get with that allows us to keep your tax file number on record. It's the only document that we do. And the reason why is because we provide it to the hub twenty four.\n\nSo being that we're approved to hold that on file for you, if we don't, hub twenty four, your super fund will be taxed at a higher tax rate, so it's beneficial too. No. So that's why we get you to sign that, and that just lets us know that you have approved that on our our end. So the fee based on so that's so then I'll get you to jump over to the next one, which is the ongoing fee arrangement. You can do it at the end if you like.\n\nI believe oh, okay. Yep. Maybe sign that. Yeah. Definitely.\n\nYes. Yes. Yeah. UdoSign is a software that we use, so that's legitimate. Oh, okay.\n\nNo. That's okay. I think you can even just type your name in, but you can do a post doc call. There's no urgency. Whitlam has also sent through the new updated consent fee.\n\nSo that's gonna be in a separate email, but I'll just talk to you as in it's this one. What I might do is get you to jump out of those emails, if that's okay, and then go to the new one that's showing on from OdooSign. It should be at the top of your inbox. Yes. Yeah.\n\nYep. So if you open that one, it'll be the last document of that pack. Sorry. And now I just I wanna make sure that I'm giving you the right information, So I don't wanna give you the wrong information. That's okay.\n\nIt's always the way. Jenna. No. I'm Jenna. Yeah.\n\nYeah. I'm taking should be oh, not in the FSG at the moment. I'm I'm actually starting to take over from Veronica while she's on maternity leave. So, yeah, not at it should be. I'd have to double check with it one moment.\n\nYeah. It should be the last document. Yes. Beautiful. That's it.\n\nSo these are the documents we'll get you to sign rather than the ones they're all the all the other documents are the same previously. It's just this one that's a little bit different. And it it's just a it's you signing off that you wish to continue being a client of Oakview, and it is a flat fee. So you'll see the estimated fee amount below the below the little table. What that is is a flat fee.\n\nPreviously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee. Previously, it'd be a percent fee. So depending on how the market was performing, you know, if the market was performing well, your monthly fee would be a little bit higher. We've changed our fee process to be a flat fee, so that gives clients a fixed term and understanding every single month of what that fee will be that's deducted from their hub twenty four account or their personal account depending on what way they wish to proceed. So your sorry?\n\nYep. Yep. So you yeah. That's correct. So if what that would mean is in your hub account, you would see a fee of $310.43 approximately because it's got the $33.03 per month, and that's a flat fee now instead of a previously being a percent based fee.\n\nSo so that yeah. That what what it means is that when your portfolio is performing well, that our monthly fee isn't gonna be higher. It's just a set fee, and that's what it is. So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged. Yep.\n\nBeautiful. It stays the same. So, yeah, regardless on the ups and downs, our fees for the service, not the performance of your funds. So if you need to speak to me every month for the next twelve months, that's what you're paying for. I think I think it works out 310 roughly.\n\nSo that will be and that's all very transparent in your hub account, so you'll be able to see that. And if there's ever any issues, you just give us a call. Beautiful. So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son. So he's 19 years of age.\n\nYou have your your defined benefit, your life insurance. So you have a fair bit of asset there that should anything happen to you, needs to pass seamlessly to your son. If you die without a will, things can be held up for quite a long time and make it very messy for him. So we do always recommend that our clients look at establishing a will and an enduring power of attorney. What an enduring power of attorney is is it just allows someone to make decisions for you financially and from a health perspective at a certain time, and that could be if you were unable to make decisions for yourself.\n\nIt's all within a document, which a a lawyer would typically draw up for you and make sure that all bases are covered and that you can't be taken advantage of, not by your son, but by somebody else potentially. That's Mhmm. Of course. And that's something that you you would discuss with the with the solicitor. And it might be that you have two powers of attorney.\n\nThe first one being let's call them Fred. And then if Fred's unable to act on your behalf, it might then be your son that's second. So you would have backup, But I think in that respect, we we we do have a professional partner that we work with. Would you like me to send you through a brochure just for you to review that? And if you're happy, we can arrange for them to contact you.\n\nYes. That is a lot. Yeah. Yep. Yeah.\n\nYes. Yep. Yes. Of course. Yeah.\n\nYep. Yep. I will send that through to you because the other item that flagged it for me was if you don't have any beneficiary nominations on your life policy with Cal or through your super fund. So at the moment, that what that means is, basically, the trustees will decide where that goes, and more than likely, that will be to gain, being your your kin. However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will.\n\nSo if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts. So it's probably something that we do need to look at, and we can have a look at those. I'll send you through the brochure, but we'll also look at that in my research also. Absolutely. No.\n\nAbsolutely. Absolutely. Yep. Yep. So we'll send that through to you.\n\nAnd my understanding is I haven't seen it as yet, but it gives you an idea of costs and everything. So I believe they're actually quite affordable, to be honest with you. I should probably get my eyes on that. I've I've only just started in the last few weeks. I'm still looking at things.\n\nBut in saying that also, I've been an adviser for a really long time. So, hopefully, that provides you with some comfort as well. So yeah. No. We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of.\n\nAlright. So I guess any questions from your end? Beautiful. That's what I like to hear. What I'm gonna do is I'm going to go away and do some research on a lot of the things that we have talked about.\n\nIf there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you. But I am gonna hold off a little bit until we understand next week what your income actually looks like. Sorry? Yeah. Yeah.\n\nYeah. Definitely. If you're comfortable doing that, that's just going that's just to make sure you're happy to continue proceeding with us. That's absolutely fine. I would ask if you're happy to and you're comfortable to sign that.\n\nThis is just my action items that I'm gonna go and review your portfolio. So look at replacing, Bennelong and the bank hybrids we talked about, looking at your trauma insurance, waiting on your income amount to see if we look at increasing your income protection, those sorts of things. So there are more action items for me to make sure that I get back to you on. And if there is any advice that I need to provide to update a few things, I get on to that. That's okay.\n\nI'm gonna send, yeah, I'm gonna send you an email with those items, so that's fine. If you lose your piece of paper, I'm gonna send that through to you. And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing. Beautiful. So if you fantastic.\n\nBeautiful. So if you fantastic. Yeah. And if you've got if you've got any questions at all in the meantime, just give me a call, and we can go from there. But I'll I anticipate research process takes about three weeks to get everything back from the provider.\n\nSo I anticipate reaching out to you probably in about two, two and a half weeks time to book in a time that we can just run through. Fantastic. Well, thank you so much for your time today, Carmen. I really do appreciate it. No.\n\nYou're welcome. And saw those electronic ones these days. Some of them accept, you know, you type in your name. Some of them want you to do a proper signature. It's all over the place.\n\nFantastic. Is this the second one? It might be the TFN one, tax file number one. Yep. Because they're the two that typically need they're the two that need the signing, the ongoing service agreement and the tax file number.\n\nYeah. Yep. Yep. Yep. Absolutely.\n\nAbsolutely. I will stay on the line with you on the line with you. And if we need to troubleshoot anything, I have Whitlam here who will help me troubleshoot as well. So we'll we'll see how it goes. Okay.\n\nBeautiful. That usually takes only a few minutes to pop through pop back. Got a case of Mondayitis. Alright. There you go.\n\nFantastic. Let me just jump in. I'll just check with I'll just check with Whitlam. I won't be a second. Yep.\n\nAll perfect. Thank you so much for that. Beautiful. Thanks, Carmen. I will be in touch soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carmen.","start":3.52,"end":4.42,"sentiment":"neutral","sentiment_score":0.2963901460170746},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"positive","sentiment_score":0.38027869910001755},{"text":"Good.","start":8.16,"end":8.48,"sentiment":"positive","sentiment_score":0.4143404960632324},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.4519566297531128},{"text":"This is Jenna here, phoning from financial.","start":8.96,"end":10.9,"sentiment":"neutral","sentiment_score":0.09677657165697642}],"sentiment":"neutral","sentiment_score":0.256849052850157,"num_words":16,"start":3.52,"end":10.9},{"sentences":[{"text":"Oh, sorry about that.","start":14.32,"end":15.679999,"sentiment":"neutral","sentiment_score":-0.2459910325706005},{"text":"I'm just I got my headset on.","start":15.679999,"end":17.895,"sentiment":"neutral","sentiment_score":-0.2107747963496617},{"text":"Hopefully is that any better?","start":17.895,"end":20.475,"sentiment":"neutral","sentiment_score":-0.16342007517814636},{"text":"Is that any better?","start":24.695,"end":25.835,"sentiment":"neutral","sentiment_score":0.0005535096861422062},{"text":"Okay.","start":27.335,"end":27.835,"sentiment":"neutral","sentiment_score":0.08436842262744904}],"sentiment":"neutral","sentiment_score":-0.1519002675832737,"num_words":21,"start":14.32,"end":27.835},{"sentences":[{"text":"That's alright.","start":28.1,"end":28.42,"sentiment":"neutral","sentiment_score":0.08263667300343513},{"text":"I try and push the microphone to my face a little better.","start":28.42,"end":32.2,"sentiment":"neutral","sentiment_score":-0.017253313524027664},{"text":"Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes.","start":32.260002,"end":37.7,"sentiment":"neutral","sentiment_score":0.0304680442356545},{"text":"Is that okay?","start":37.7,"end":38.6,"sentiment":"neutral","sentiment_score":0.053152285516262054},{"text":"Beautiful.","start":40.34,"end":40.84,"sentiment":"positive","sentiment_score":0.4082599878311157}],"sentiment":"neutral","sentiment_score":0.02991988891508521,"num_words":41,"start":28.1,"end":40.84},{"sentences":[{"text":"And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please?","start":41.245,"end":49.504997,"sentiment":"neutral","sentiment_score":0.08828532725572585},{"text":"Beautiful.","start":53.324997,"end":53.824997,"sentiment":"positive","sentiment_score":0.4339442253112793},{"text":"Thank you, Carmen.","start":53.885,"end":54.844997,"sentiment":"positive","sentiment_score":0.49990659952163696},{"text":"I appreciate that.","start":54.844997,"end":56.305,"sentiment":"positive","sentiment_score":0.5421548287073771},{"text":"How's your day been so far?","start":56.5,"end":58.12,"sentiment":"neutral","sentiment_score":0.2945424144466718}],"sentiment":"neutral","sentiment_score":0.19827674152819733,"num_words":38,"start":41.245,"end":58.12},{"sentences":[{"text":"Oh, that's good.","start":60.34,"end":61.14,"sentiment":"positive","sentiment_score":0.3796512484550476},{"text":"That's fantastic.","start":61.14,"end":62.12,"sentiment":"positive","sentiment_score":0.6170930862426758},{"text":"So the purpose of my call our call this morning is to go through your annual review.","start":62.82,"end":68.44,"sentiment":"neutral","sentiment_score":0.15830252056612687},{"text":"Just confirming you have some time to do that.","start":69.06,"end":71.975,"sentiment":"neutral","sentiment_score":0.07942216429445478},{"text":"Fantastic.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.32653743028640747}],"sentiment":"neutral","sentiment_score":0.1908006148878485,"num_words":32,"start":60.34,"end":73.815},{"sentences":[{"text":"Alright.","start":74.755005,"end":75.255005,"sentiment":"neutral","sentiment_score":0.1554112285375595},{"text":"Before we move to the review itself, I just wanna run through our Saks Fund to make sure that all the details I have for you are correct and relevant still.","start":75.555,"end":89.850006,"sentiment":"neutral","sentiment_score":0.09457674057733628},{"text":"So I just want to confirm your marital status.","start":90.310005,"end":95.43,"sentiment":"neutral","sentiment_score":0.012246569929023584},{"text":"Are you single in a partnership?","start":95.43,"end":97.615,"sentiment":"neutral","sentiment_score":-0.00003885757178068161},{"text":"Single.","start":100.155,"end":100.635,"sentiment":"neutral","sentiment_score":0.03817978873848915}],"sentiment":"neutral","sentiment_score":0.06740533248133336,"num_words":48,"start":74.755005,"end":100.635},{"sentences":[{"text":"Beautiful.","start":100.635,"end":101.135,"sentiment":"neutral","sentiment_score":0.11830723285675047},{"text":"And your email address is calmsGabe@Gmail.com?","start":101.915,"end":108.015,"sentiment":"neutral","sentiment_score":0.03841971761236588},{"text":"And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770.","start":109.435,"end":116.4,"sentiment":"neutral","sentiment_score":0.024675256262222927},{"text":"Fantastic.","start":117.9,"end":118.4,"sentiment":"neutral","sentiment_score":0.21266672015190125},{"text":"Alright.","start":119.66,"end":120.16,"sentiment":"neutral","sentiment_score":0.06693445146083832}],"sentiment":"neutral","sentiment_score":0.039725234180136966,"num_words":27,"start":100.635,"end":120.16},{"sentences":[{"text":"Yes.","start":122.46001,"end":122.700005,"sentiment":"neutral","sentiment_score":0.024368133395910263},{"text":"Is that 3 McVeigh Place, Rootie Hill, New South Wales 2766?","start":122.700005,"end":127.94501,"sentiment":"neutral","sentiment_score":0.025480513799596916},{"text":"Beautiful.","start":129.445,"end":129.925,"sentiment":"neutral","sentiment_score":0.2861606180667877},{"text":"We do have that.","start":129.925,"end":130.725,"sentiment":"neutral","sentiment_score":0.1977762095630169},{"text":"Thank you.","start":130.725,"end":131.205,"sentiment":"neutral","sentiment_score":0.24487906694412231}],"sentiment":"neutral","sentiment_score":0.09850933554729349,"num_words":19,"start":122.46001,"end":131.205},{"sentences":[{"text":"Instead of previous address, I'm gonna update that as postal address.","start":131.205,"end":135.065,"sentiment":"neutral","sentiment_score":0.11558570712804794},{"text":"Fantastic.","start":139.65999,"end":140.15999,"sentiment":"neutral","sentiment_score":0.3102128207683563},{"text":"Now I have that you have one dependent.","start":140.29999,"end":143.12,"sentiment":"neutral","sentiment_score":0.0667080506682396},{"text":"Is that Gabriel?","start":144.93999,"end":145.92,"sentiment":"neutral","sentiment_score":0.042405283699433007},{"text":"Yep.","start":147.9,"end":148.4,"sentiment":"neutral","sentiment_score":0.01865415647625923}],"sentiment":"neutral","sentiment_score":0.09421625050405662,"num_words":24,"start":131.205,"end":148.4},{"sentences":[{"text":"No.","start":149.9,"end":150.06,"sentiment":"neutral","sentiment_score":-0.1510608196258545},{"text":"He's nineteen.","start":150.06,"end":150.87999,"sentiment":"neutral","sentiment_score":-0.08256028220057487},{"text":"Okay.","start":152.78,"end":153.28,"sentiment":"neutral","sentiment_score":0.004183634649962187},{"text":"And he's listed as your next of kin.","start":153.485,"end":155.645,"sentiment":"neutral","sentiment_score":0.015794650185853243},{"text":"Is that correct?","start":155.645,"end":156.625,"sentiment":"neutral","sentiment_score":0.034515700613458954}],"sentiment":"neutral","sentiment_score":-0.005472896403322617,"num_words":15,"start":149.9,"end":156.625},{"sentences":[{"text":"Fantastic.","start":158.605,"end":159.105,"sentiment":"positive","sentiment_score":0.5107886791229248},{"text":"And we've got his mobile number ending in 19198.","start":160.925,"end":166.545,"sentiment":"neutral","sentiment_score":0.16252440379725563},{"text":"Yep.","start":167.965,"end":168.465,"sentiment":"neutral","sentiment_score":0.20689575374126432},{"text":"Fantastic.","start":168.525,"end":169.025,"sentiment":"positive","sentiment_score":0.5967389941215515},{"text":"Thanks for that comment.","start":169.21,"end":170.27,"sentiment":"positive","sentiment_score":0.6652499884366989}],"sentiment":"positive","sentiment_score":0.3398839384317398,"num_words":16,"start":158.605,"end":170.27},{"sentences":[{"text":"I'm just gonna move on to some more personal details in relation to yourself.","start":170.49,"end":174.97,"sentiment":"neutral","sentiment_score":0.17529049622161047},{"text":"Your occupation, we have here listed as an Aboriginal specialist officer.","start":174.97,"end":180.09,"sentiment":"neutral","sentiment_score":0.045176343992352486},{"text":"Is that correct?","start":180.09,"end":180.91,"sentiment":"neutral","sentiment_score":0.06419800966978073},{"text":"Beautiful.","start":182.695,"end":183.195,"sentiment":"neutral","sentiment_score":0.28328412771224976},{"text":"And the amount in the office and the field hasn't changed?","start":184.215,"end":187.735,"sentiment":"neutral","sentiment_score":0.061989584091034805}],"sentiment":"neutral","sentiment_score":0.10271925781853497,"num_words":40,"start":170.49,"end":187.735},{"sentences":[{"text":"We had a thirty seventh.","start":187.735,"end":189.035,"sentiment":"neutral","sentiment_score":0.022147755697369577},{"text":"Yep.","start":189.095,"end":189.595,"sentiment":"neutral","sentiment_score":0.10912686586380003},{"text":"Fantastic.","start":189.735,"end":190.235,"sentiment":"positive","sentiment_score":0.3622322082519531},{"text":"Beautiful.","start":192.695,"end":193.195,"sentiment":"positive","sentiment_score":0.36825335025787354},{"text":"And still working thirty eight hours a week on a full full time basis?","start":193.575,"end":196.92,"sentiment":"neutral","sentiment_score":0.10095822598252978}],"sentiment":"neutral","sentiment_score":0.10744392575526779,"num_words":22,"start":187.735,"end":196.92},{"sentences":[{"text":"Yep.","start":198.26001,"end":198.76001,"sentiment":"neutral","sentiment_score":0.02960677072405815},{"text":"Okay.","start":198.98001,"end":199.46,"sentiment":"neutral","sentiment_score":0.03251912072300911},{"text":"We have your income here as 110,000 per 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any?","start":226.83,"end":230.93,"sentiment":"neutral","sentiment_score":-0.04121336268468036},{"text":"Okay.","start":234.045,"end":234.545,"sentiment":"neutral","sentiment_score":-0.0673540011048317},{"text":"Beautiful.","start":239.965,"end":240.465,"sentiment":"neutral","sentiment_score":0.19850888848304749},{"text":"Yep.","start":242.605,"end":243.105,"sentiment":"neutral","sentiment_score":-0.026746612042188644},{"text":"Okay.","start":245.72499,"end":246.22499,"sentiment":"neutral","sentiment_score":-0.003304293379187584}],"sentiment":"neutral","sentiment_score":-0.029124388471245766,"num_words":22,"start":226.83,"end":246.22499},{"sentences":[{"text":"Alright.","start":246.36499,"end":246.685,"sentiment":"neutral","sentiment_score":0.06414612382650375},{"text":"Fantastic.","start":246.685,"end":247.185,"sentiment":"neutral","sentiment_score":0.17740488052368164},{"text":"And we have your expenditure here listed at 1,100 a week.","start":248.16,"end":252.08,"sentiment":"neutral","sentiment_score":0.06273160807111046},{"text":"Would that still be correct?","start":252.08,"end":253.3,"sentiment":"neutral","sentiment_score":0.04611960351467133},{"text":"And do you have it expenditure.","start":254.95999,"end":258.98,"sentiment":"neutral","sentiment_score":-0.01369056866193811}],"sentiment":"neutral","sentiment_score":0.045002220780588686,"num_words":24,"start":246.36499,"end":258.98},{"sentences":[{"text":"A a week, we have it down as.","start":264.29498,"end":266.235,"sentiment":"neutral","sentiment_score":-0.02020450960844755},{"text":"No.","start":268.775,"end":269.275,"sentiment":"neutral","sentiment_score":-0.09013893455266953},{"text":"Beautiful.","start":271.57498,"end":272.07498,"sentiment":"neutral","sentiment_score":0.08874934911727905},{"text":"And are you sorry.","start":272.53497,"end":276.215,"sentiment":"neutral","sentiment_score":-0.0032511227764189243},{"text":"Are you accumulating any savings per week?","start":276.215,"end":287.94,"sentiment":"neutral","sentiment_score":-0.026859345712832043}],"sentiment":"neutral","sentiment_score":-0.01733550349516528,"num_words":21,"start":264.29498,"end":287.94},{"sentences":[{"text":"Yep.","start":290.72,"end":291.22,"sentiment":"neutral","sentiment_score":-0.0523550808429718},{"text":"Yep.","start":293.76,"end":294.135,"sentiment":"neutral","sentiment_score":-0.044726721942424774},{"text":"That's okay.","start":298.61502,"end":302.55502,"sentiment":"neutral","sentiment_score":-0.04031996801495552},{"text":"Yep.","start":303.17502,"end":303.67502,"sentiment":"neutral","sentiment_score":0.013554953038692474},{"text":"Yep.","start":306.695,"end":307.195,"sentiment":"neutral","sentiment_score":0.020082691684365273}],"sentiment":"neutral","sentiment_score":-0.024014015682041645,"num_words":6,"start":290.72,"end":307.195},{"sentences":[{"text":"And how much are you putting into that on a regular 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sacrificing?","start":351.895,"end":356.315,"sentiment":"neutral","sentiment_score":0.05908756717466391},{"text":"No?","start":358.375,"end":358.875,"sentiment":"neutral","sentiment_score":-0.07123337686061859},{"text":"Yeah.","start":361.41498,"end":361.65,"sentiment":"neutral","sentiment_score":0.03915637731552124},{"text":"It yeah.","start":362.53,"end":364.61,"sentiment":"neutral","sentiment_score":0.02972938772290945},{"text":"I do have a note of that here.","start":364.61,"end":366.38998,"sentiment":"neutral","sentiment_score":0.061885192058980465}],"sentiment":"neutral","sentiment_score":0.051624067425727845,"num_words":25,"start":351.895,"end":366.38998},{"sentences":[{"text":"What's that valued at now?","start":366.44998,"end":368.22998,"sentiment":"neutral","sentiment_score":0.011965356394648552},{"text":"Yep.","start":374.05,"end":374.295,"sentiment":"neutral","sentiment_score":0.005116080399602652},{"text":"Did you say 50 6?","start":381.255,"end":382.875,"sentiment":"neutral","sentiment_score":-0.0194828012958169},{"text":"Okay.","start":385.255,"end":385.755,"sentiment":"neutral","sentiment_score":0.0055868481285870075},{"text":"Okay.","start":388.61502,"end":389.07,"sentiment":"neutral","sentiment_score":0.001177151221781969}],"sentiment":"neutral","sentiment_score":-0.0019774726735284705,"num_words":13,"start":366.44998,"end":389.07},{"sentences":[{"text":"Beautiful.","start":391.95,"end":392.45,"sentiment":"positive","sentiment_score":0.4801529049873352},{"text":"Fantastic.","start":392.83002,"end":393.33002,"sentiment":"positive","sentiment_score":0.3873943090438843},{"text":"With your superannuation, you are you looking at making any additional contributions to super to work towards retirement plans and goals or no?","start":394.51,"end":414.33,"sentiment":"neutral","sentiment_score":0.16028325616017633},{"text":"Yeah.","start":417.21,"end":417.68997,"sentiment":"neutral","sentiment_score":-0.007633876986801624},{"text":"Okay.","start":417.68997,"end":418.18997,"sentiment":"neutral","sentiment_score":-0.011315597221255302}],"sentiment":"neutral","sentiment_score":0.16796713450026732,"num_words":27,"start":391.95,"end":418.18997},{"sentences":[{"text":"I'm gonna yeah.","start":418.33,"end":419.38998,"sentiment":"neutral","sentiment_score":-0.015555070402721563},{"text":"Sorry?","start":420.49,"end":420.99,"sentiment":"neutral","sentiment_score":-0.04142272472381592},{"text":"Yep.","start":425.77,"end":426.25,"sentiment":"neutral","sentiment_score":0.006905268412083387},{"text":"Okay.","start":426.25,"end":426.75,"sentiment":"neutral","sentiment_score":0.06467792391777039},{"text":"I'm gonna make a note of that so we can circle back to that 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now?","start":451.34,"end":452.945,"sentiment":"neutral","sentiment_score":0.013766748085618018}],"sentiment":"neutral","sentiment_score":0.13336381164232367,"num_words":38,"start":433.325,"end":452.945},{"sentences":[{"text":"It's always the way, isn't it?","start":471.81998,"end":473.09998,"sentiment":"neutral","sentiment_score":-0.09412592773636182},{"text":"When you need it, it's it's difficult.","start":473.09998,"end":475.68,"sentiment":"neutral","sentiment_score":-0.154552304318973},{"text":"Wonderful.","start":488.595,"end":489.095,"sentiment":"positive","sentiment_score":0.41207432746887207},{"text":"And how much you pay on that per fortnight or per week?","start":489.635,"end":492.67,"sentiment":"neutral","sentiment_score":0.04771972121670842},{"text":"Fantastic.","start":497.53,"end":498.03,"sentiment":"neutral","sentiment_score":0.32489916682243347}],"sentiment":"neutral","sentiment_score":-0.012481909176265751,"num_words":27,"start":471.81998,"end":498.03},{"sentences":[{"text":"And we had a credit card listed with a $4,000 balance.","start":498.89,"end":503.37,"sentiment":"neutral","sentiment_score":0.012588665397329763},{"text":"Is that still that gone?","start":503.37,"end":505.69,"sentiment":"neutral","sentiment_score":-0.09898348152637482},{"text":"Zero?","start":505.69,"end":506.115,"sentiment":"neutral","sentiment_score":-0.06542690843343735},{"text":"Do you have is the credit card in 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it?","start":541.205,"end":542.965,"sentiment":"neutral","sentiment_score":-0.027556573173829486},{"text":"Do you have any of those 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repeat anything.","start":593.63,"end":594.82996,"sentiment":"neutral","sentiment_score":-0.14333560466766357},{"text":"You're completely fine.","start":594.82996,"end":596.13,"sentiment":"neutral","sentiment_score":-0.02778183047970136},{"text":"Have you ever been declared bankrupt?","start":598.545,"end":601.20496,"sentiment":"neutral","sentiment_score":-0.07542182443042596},{"text":"No?","start":602.945,"end":603.425,"sentiment":"neutral","sentiment_score":-0.05264081805944443},{"text":"Fantastic.","start":603.425,"end":603.925,"sentiment":"neutral","sentiment_score":0.061556246131658554}],"sentiment":"neutral","sentiment_score":-0.07772743958048522,"num_words":16,"start":593.63,"end":603.925},{"sentences":[{"text":"And moving on to health and lifestyle, I note that you were a smoker approximately sixteen plus years ago.","start":604.625,"end":614.06,"sentiment":"neutral","sentiment_score":-0.03546490873161115},{"text":"Is that still the case being a nonsmoker?","start":614.06,"end":615.92,"sentiment":"neutral","sentiment_score":-0.06851127743721008},{"text":"Beautiful.","start":617.82,"end":618.32,"sentiment":"neutral","sentiment_score":0.1066768765449524},{"text":"Good.","start":619.82,"end":620.3,"sentiment":"neutral","sentiment_score":0.2556884288787842},{"text":"That's lovely.","start":620.3,"end":621.2,"sentiment":"positive","sentiment_score":0.3822806030511856}],"sentiment":"neutral","sentiment_score":-0.00306441851200596,"num_words":31,"start":604.625,"end":621.2},{"sentences":[{"text":"And your health is still good?","start":623.265,"end":625.125,"sentiment":"neutral","sentiment_score":0.20954284816980362},{"text":"Yep.","start":626.705,"end":627.205,"sentiment":"neutral","sentiment_score":0.03690342232584953},{"text":"I had an I had a note here that you had high blood pressure.","start":628.545,"end":631.745,"sentiment":"neutral","sentiment_score":-0.019946131456111158},{"text":"Is are you still taking a tablet for 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news.","start":643.55,"end":644.93,"sentiment":"positive","sentiment_score":0.7793772369623184},{"text":"Alright.","start":646.50995,"end":647.00995,"sentiment":"neutral","sentiment_score":0.24230770766735077}],"sentiment":"positive","sentiment_score":0.5505564823746681,"num_words":10,"start":637.79,"end":647.00995},{"sentences":[{"text":"And we had your weights down at a 101 kilos.","start":647.55,"end":653.115,"sentiment":"neutral","sentiment_score":0.14146676510572434},{"text":"Is that still correct?","start":653.115,"end":654.895,"sentiment":"neutral","sentiment_score":0.07139955554157495},{"text":"Yep.","start":656.155,"end":656.635,"sentiment":"neutral","sentiment_score":0.121806763112545},{"text":"Beautiful.","start":656.635,"end":657.135,"sentiment":"positive","sentiment_score":0.339708149433136},{"text":"And lastly, on my little list of invasive questions, do you have your estate 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beautiful.","start":819.6,"end":820.33997,"sentiment":"neutral","sentiment_score":0.14275114610791206}],"sentiment":"neutral","sentiment_score":0.19319877587258816,"num_words":6,"start":802.425,"end":820.33997},{"sentences":[{"text":"Yep.","start":823.51996,"end":824.0,"sentiment":"neutral","sentiment_score":0.007954102009534836},{"text":"Yep.","start":824.0,"end":824.5,"sentiment":"neutral","sentiment_score":0.027027606964111328},{"text":"Holiday mode.","start":825.04,"end":825.975,"sentiment":"neutral","sentiment_score":0.06937750242650509},{"text":"Fantastic.","start":826.45496,"end":826.95496,"sentiment":"neutral","sentiment_score":0.3031842112541199},{"text":"That's that's absolutely fine.","start":829.65497,"end":831.095,"sentiment":"neutral","sentiment_score":0.11293439753353596}],"sentiment":"neutral","sentiment_score":0.10318427946832445,"num_words":9,"start":823.51996,"end":831.095},{"sentences":[{"text":"Do you have someone that you that does your tax for you?","start":831.095,"end":833.915,"sentiment":"neutral","sentiment_score":0.006382933895414074},{"text":"Do you have someone that does your tax for you?","start":836.13495,"end":838.555,"sentiment":"neutral","sentiment_score":0.0013763627037405967},{"text":"Yep.","start":840.69495,"end":840.93,"sentiment":"neutral","sentiment_score":0.024123582988977432},{"text":"Yep.","start":843.49,"end":843.99,"sentiment":"neutral","sentiment_score":0.0349612832069397},{"text":"Okay.","start":844.77,"end":845.27,"sentiment":"neutral","sentiment_score":0.08727975934743881}],"sentiment":"neutral","sentiment_score":0.009468938373029232,"num_words":25,"start":831.095,"end":845.27},{"sentences":[{"text":"Beautiful.","start":845.73,"end":846.23,"sentiment":"positive","sentiment_score":0.3434227705001831},{"text":"Fantastic.","start":848.13,"end":848.63,"sentiment":"positive","sentiment_score":0.4160303473472595},{"text":"The other there's a cut there's three more 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retirement.","start":937.34,"end":951.775,"sentiment":"neutral","sentiment_score":0.10927493924404992},{"text":"But in saying that as well, what age do is the ideal retirement age for yourself?","start":951.86005,"end":956.68005,"sentiment":"neutral","sentiment_score":0.038248303113505244},{"text":"That yes.","start":962.58,"end":964.34,"sentiment":"neutral","sentiment_score":0.02837251778692007}],"sentiment":"neutral","sentiment_score":0.0892656754997627,"num_words":82,"start":893.20496,"end":964.34},{"sentences":[{"text":"So 67 is the age pension age, not the access to superannuation, etcetera.","start":964.34,"end":974.245,"sentiment":"neutral","sentiment_score":-0.011525629983785061},{"text":"So what we if if there was a reliance on central on the age pension to fund part of your income needs, that's something we'd factor into, but you don't have to necessarily retire at the age pension age.","start":974.865,"end":989.2,"sentiment":"neutral","sentiment_score":0.038942098522033446},{"text":"You can for example, some people say 60 or 65 or they wanna potentially reduce their hours at the age of 60 and, you know, something that you you have to answer right now.","start":989.82,"end":1008.755,"sentiment":"neutral","sentiment_score":0.0017262983190662721},{"text":"This is something that, you know, we can keep working on over time.","start":1008.755,"end":1011.93,"sentiment":"neutral","sentiment_score":0.14668780450637525},{"text":"And that's where the sacrifice might come in where we go, okay.","start":1012.31,"end":1017.29,"sentiment":"neutral","sentiment_score":-0.0025186954687039056}],"sentiment":"neutral","sentiment_score":0.029768647823214263,"num_words":111,"start":964.34,"end":1017.29},{"sentences":[{"text":"We need to look at putting some additional money into super over crypto or silver, for example, and really build that super in that tax effective environment for your future retirement.","start":1017.43,"end":1031.025,"sentiment":"neutral","sentiment_score":0.27032757286102543},{"text":"So they're they're the things that we can look at.","start":1031.0851,"end":1033.105,"sentiment":"neutral","sentiment_score":0.16331017017364502},{"text":"Yeah.","start":1035.3251,"end":1035.8251,"sentiment":"neutral","sentiment_score":0.15441209077835083},{"text":"So in an ideal world, if I said to you, Carmen, when would you like to retire?","start":1036.76,"end":1042.5399,"sentiment":"neutral","sentiment_score":0.024569578249664867},{"text":"What what would your answer today be?","start":1043.7999,"end":1046.38,"sentiment":"neutral","sentiment_score":-0.033965407205479484}],"sentiment":"neutral","sentiment_score":0.1567817201668566,"num_words":66,"start":1017.43,"end":1046.38},{"sentences":[{"text":"60?","start":1048.0399,"end":1048.5399,"sentiment":"neutral","sentiment_score":-0.02925960533320904},{"text":"Do you think you'd retire, like, permanently or reduce?","start":1049.275,"end":1052.415,"sentiment":"neutral","sentiment_score":-0.06725149808658494},{"text":"Yeah.","start":1054.3151,"end":1054.8151,"sentiment":"neutral","sentiment_score":-0.11027227342128754},{"text":"Yes.","start":1057.515,"end":1058.015,"sentiment":"neutral","sentiment_score":-0.12580175697803497},{"text":"Yep.","start":1066.65,"end":1066.81,"sentiment":"neutral","sentiment_score":-0.023119544610381126}],"sentiment":"neutral","sentiment_score":-0.06874743562478286,"num_words":13,"start":1048.0399,"end":1066.81},{"sentences":[{"text":"Yep.","start":1066.81,"end":1067.31,"sentiment":"neutral","sentiment_score":0.010130325332283974},{"text":"Beautiful.","start":1067.77,"end":1068.27,"sentiment":"positive","sentiment_score":0.4996044337749481},{"text":"Okay.","start":1068.89,"end":1069.39,"sentiment":"neutral","sentiment_score":0.1297910511493683},{"text":"Do you think you'd I in an ideal world, again, very hard to answer that we're talking future state.","start":1070.17,"end":1074.65,"sentiment":"neutral","sentiment_score":-0.24669941710798363},{"text":"Reducing, would you talking future state.","start":1074.65,"end":1078.3251,"sentiment":"neutral","sentiment_score":-0.20708918323119482}],"sentiment":"neutral","sentiment_score":-0.18893922193508064,"num_words":28,"start":1066.81,"end":1078.3251},{"sentences":[{"text":"Reducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60?","start":1078.4651,"end":1087.4451,"sentiment":"neutral","sentiment_score":-0.031704834771945196},{"text":"Yep.","start":1093.68,"end":1094.18,"sentiment":"neutral","sentiment_score":0.07179300487041473},{"text":"Over time.","start":1096.64,"end":1097.62,"sentiment":"neutral","sentiment_score":0.056844333186745644},{"text":"Yep.","start":1097.68,"end":1098.18,"sentiment":"neutral","sentiment_score":0.28360772132873535},{"text":"Beautiful.","start":1098.24,"end":1098.74,"sentiment":"positive","sentiment_score":0.7078728675842285}],"sentiment":"neutral","sentiment_score":0.0025384071259162365,"num_words":39,"start":1078.4651,"end":1098.74},{"sentences":[{"text":"Alright.","start":1099.92,"end":1100.42,"sentiment":"positive","sentiment_score":0.5616520643234253},{"text":"That gives me something some good good figures and time frames to work with to project out what we need to do, look at strategies in helping you achieve that.","start":1100.56,"end":1113.375,"sentiment":"positive","sentiment_score":0.4538634459177653},{"text":"The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son.","start":1116.65,"end":1128.965,"sentiment":"neutral","sentiment_score":0.1429544799029827},{"text":"Your life insurance, we'll go over in a moment and make sure that they're adequate for those needs and see if there's any need to reduce or increase cover.","start":1130.785,"end":1143.125,"sentiment":"neutral","sentiment_score":0.13975366616043552},{"text":"And and then we're gonna go through your other goal of making sure that your funds are invested and working working hard for you to help build that retirement income.","start":1144.9199,"end":1154.46,"sentiment":"neutral","sentiment_score":0.26528815428415936}],"sentiment":"neutral","sentiment_score":0.2470416142605245,"num_words":128,"start":1099.92,"end":1154.46},{"sentences":[{"text":"Are there any other goals there that we need to that you have in mind that you've thought of since your last review?","start":1156.295,"end":1164.235,"sentiment":"neutral","sentiment_score":0.08068707698713178},{"text":"Yes.","start":1170.455,"end":1170.66,"sentiment":"neutral","sentiment_score":0.02525808662176132},{"text":"Yes.","start":1172.5801,"end":1173.0801,"sentiment":"neutral","sentiment_score":0.0837099552154541},{"text":"Yep.","start":1173.3,"end":1173.8,"sentiment":"neutral","sentiment_score":0.08987706899642944},{"text":"Yep.","start":1174.42,"end":1174.92,"sentiment":"neutral","sentiment_score":0.06805753707885742}],"sentiment":"neutral","sentiment_score":0.07861871920801976,"num_words":27,"start":1156.295,"end":1174.92},{"sentences":[{"text":"Yep.","start":1176.42,"end":1176.8201,"sentiment":"neutral","sentiment_score":0.038469038903713226},{"text":"Overseas or yep.","start":1176.8201,"end":1179.4,"sentiment":"neutral","sentiment_score":0.023943976499140263},{"text":"Yep.","start":1183.3,"end":1183.8,"sentiment":"neutral","sentiment_score":0.030622070655226707},{"text":"And being a regular your, let your, let's call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need?","start":1184.66,"end":1210.07,"sentiment":"neutral","sentiment_score":0.03202789170401437},{"text":"Yep.","start":1222.685,"end":1223.185,"sentiment":"neutral","sentiment_score":0.009316522628068924}],"sentiment":"neutral","sentiment_score":0.030794721452848,"num_words":34,"start":1176.42,"end":1223.185},{"sentences":[{"text":"Mhmm.","start":1223.4851,"end":1223.9851,"sentiment":"neutral","sentiment_score":0.006551284343004227},{"text":"Okay.","start":1224.765,"end":1225.265,"sentiment":"neutral","sentiment_score":0.03328350558876991},{"text":"Alright.","start":1226.525,"end":1227.025,"sentiment":"neutral","sentiment_score":0.250907301902771},{"text":"Fantastic.","start":1228.4451,"end":1228.9451,"sentiment":"positive","sentiment_score":0.5979828834533691},{"text":"Alright.","start":1229.66,"end":1229.78,"sentiment":"positive","sentiment_score":0.3778726458549499}],"sentiment":"neutral","sentiment_score":0.25331952422857285,"num_words":5,"start":1223.4851,"end":1229.78},{"sentences":[{"text":"Fantastic.","start":1229.78,"end":1229.9,"sentiment":"positive","sentiment_score":0.5973702073097229},{"text":"Alright.","start":1229.9,"end":1230.38,"sentiment":"positive","sentiment_score":0.3519442677497864},{"text":"We can definitely look at that.","start":1230.38,"end":1232.08,"sentiment":"positive","sentiment_score":0.38962211708227795},{"text":"What would you budget for on these holidays every two years?","start":1233.1799,"end":1237.36,"sentiment":"neutral","sentiment_score":0.13526434286243535},{"text":"What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday?","start":1237.98,"end":1246.285,"sentiment":"neutral","sentiment_score":0.26189811863005164}],"sentiment":"neutral","sentiment_score":0.25674146978566664,"num_words":39,"start":1229.78,"end":1246.285},{"sentences":[{"text":"What would be your budget that I could factor in?","start":1247.865,"end":1250.525,"sentiment":"neutral","sentiment_score":0.1667332649230957},{"text":"Yeah.","start":1257.145,"end":1257.33,"sentiment":"neutral","sentiment_score":-0.04251119866967201},{"text":"Exactly.","start":1258.45,"end":1258.95,"sentiment":"neutral","sentiment_score":-0.06243845820426941},{"text":"I think in these scenarios, it's it is hard to answer those questions, but I would always go on the overestimating as opposed to underestimating.","start":1259.25,"end":1268.1499,"sentiment":"neutral","sentiment_score":-0.20124974727630615},{"text":"I mean, we can definitely factor it in and see what we can do to make sure that that if that happens.","start":1270.5299,"end":1276.105,"sentiment":"neutral","sentiment_score":0.2160730551589619}],"sentiment":"neutral","sentiment_score":0.021775364812652943,"num_words":59,"start":1247.865,"end":1276.105},{"sentences":[{"text":"And, you know, depending on the economy at the time of when you are traveling, that's where you might you would probably need to factor that in and say, oh, even though I would like to travel to, let's just say, Canada and do an Arctic cruise this to you this this holiday, it's probably not likely we could revisit that in the next holiday and see if it's more doable then.","start":1277.205,"end":1304.4049,"sentiment":"neutral","sentiment_score":-0.0056072970878125895},{"text":"So there are things that you'd just probably cross the bridge as you came to it.","start":1304.4049,"end":1308.105,"sentiment":"neutral","sentiment_score":0.13984878174960613},{"text":"But I think just having an idea or a budget for yourself on what you would think that you would you would budget for would help in respect to really seeing what we need to do to get you there.","start":1308.6449,"end":1320.7201,"sentiment":"neutral","sentiment_score":0.1696567077189684},{"text":"Well, you could, but the what we would probably look at doing is comparing.","start":1331.4149,"end":1338.475,"sentiment":"neutral","sentiment_score":-0.052789728556360514},{"text":"And I will do this as I as I go away and, you know, look at our our conversation and see what we can do is you could, but the other option is is that there's the option to put it into superannuation as well via that additional contributions to super.","start":1338.5349,"end":1354.665,"sentiment":"neutral","sentiment_score":0.031016439126402725}],"sentiment":"neutral","sentiment_score":0.04903059907817316,"num_words":193,"start":1277.205,"end":1354.665},{"sentences":[{"text":"So if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible.","start":1355.865,"end":1365.3251,"sentiment":"neutral","sentiment_score":-0.042723128239491155},{"text":"And from 60 onwards, we would look at funding that through your retirement income work and a combination of both.","start":1367.2251,"end":1378.29,"sentiment":"neutral","sentiment_score":0.035469529964029786},{"text":"Yep.","start":1388.205,"end":1388.705,"sentiment":"neutral","sentiment_score":0.08038386702537537},{"text":"So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage?","start":1393.645,"end":1399.95,"sentiment":"neutral","sentiment_score":-0.020155158307817247},{"text":"Yeah.","start":1403.5299,"end":1404.0299,"sentiment":"neutral","sentiment_score":0.04690979793667793}],"sentiment":"neutral","sentiment_score":-0.011737046763300896,"num_words":77,"start":1355.865,"end":1404.0299},{"sentences":[{"text":"Okay.","start":1404.89,"end":1405.39,"sentiment":"neutral","sentiment_score":0.04629236087203026},{"text":"Alright.","start":1410.295,"end":1410.775,"sentiment":"neutral","sentiment_score":0.05868196487426758},{"text":"Leave that with me.","start":1410.775,"end":1411.5751,"sentiment":"neutral","sentiment_score":0.04753387626260519},{"text":"I'm gonna have some play with some figures.","start":1411.5751,"end":1413.515,"sentiment":"neutral","sentiment_score":0.043318713549524546},{"text":"Do you have access to your emails at the moment?","start":1414.935,"end":1417.5951,"sentiment":"neutral","sentiment_score":0.022411108296364547}],"sentiment":"neutral","sentiment_score":0.03607377592319002,"num_words":24,"start":1404.89,"end":1417.5951},{"sentences":[{"text":"Alright.","start":1419.655,"end":1420.055,"sentiment":"positive","sentiment_score":0.38632118701934814},{"text":"Beautiful.","start":1420.055,"end":1420.555,"sentiment":"positive","sentiment_score":0.6953129768371582},{"text":"I'm just going to I'm about to hit send on an email that you'll receive that has a bunch of documents attached, and it will come from the email address odu sign.","start":1421.015,"end":1431.58,"sentiment":"neutral","sentiment_score":0.17500608088448644},{"text":"These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment.","start":1432.12,"end":1444.055,"sentiment":"neutral","sentiment_score":0.12697177220668113},{"text":"So if you let me know when you have that, I'm gonna run through them with you.","start":1444.835,"end":1453.02,"sentiment":"neutral","sentiment_score":0.07871338484041832}],"sentiment":"neutral","sentiment_score":0.14652108754726906,"num_words":79,"start":1419.655,"end":1453.02},{"sentences":[{"text":"Not at the moment.","start":1469.355,"end":1470.235,"sentiment":"neutral","sentiment_score":-0.11643585003912449},{"text":"No.","start":1470.235,"end":1470.555,"sentiment":"neutral","sentiment_score":-0.1535995900630951},{"text":"So there's two documents at the end we'll get you to sign, but it won't let you sign anything until we've run through everything anyway.","start":1470.555,"end":1475.4297,"sentiment":"neutral","sentiment_score":-0.11671319767832757},{"text":"So if you can just open the attachments, we're gonna run through them briefly.","start":1475.4297,"end":1476.155,"sentiment":"neutral","sentiment_score":0.006782561453292146},{"text":"And, a it should be a a link that you can click on to open them.","start":1476.155,"end":1496.6951,"sentiment":"neutral","sentiment_score":0.004099959682207555}],"sentiment":"neutral","sentiment_score":-0.05627696194860619,"num_words":60,"start":1469.355,"end":1496.6951},{"sentences":[{"text":"If you click sign, it should open it.","start":1502.515,"end":1508.93,"sentiment":"neutral","sentiment_score":-0.055239477660506964},{"text":"Sorry.","start":1508.93,"end":1509.17,"sentiment":"neutral","sentiment_score":-0.18285608291625977},{"text":"That's my mistake there.","start":1509.17,"end":1510.55,"sentiment":"neutral","sentiment_score":-0.18522938713431358},{"text":"Yep.","start":1520.13,"end":1520.265,"sentiment":"neutral","sentiment_score":0.05875992029905319},{"text":"Yep.","start":1520.345,"end":1520.505,"sentiment":"neutral","sentiment_score":0.1227271780371666}],"sentiment":"neutral","sentiment_score":-0.07894682362675667,"num_words":15,"start":1502.515,"end":1520.505},{"sentences":[{"text":"Fantastic.","start":1520.505,"end":1521.005,"sentiment":"positive","sentiment_score":0.455552875995636},{"text":"So is the first document you've got viewable a financial summary of your super and insurance?","start":1521.145,"end":1527.085,"sentiment":"neutral","sentiment_score":0.21426170039922},{"text":"Yep.","start":1528.745,"end":1529.145,"sentiment":"neutral","sentiment_score":0.135712668299675},{"text":"Fantastic.","start":1529.145,"end":1529.645,"sentiment":"positive","sentiment_score":0.39857974648475647},{"text":"So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age.","start":1530.345,"end":1539.596,"sentiment":"neutral","sentiment_score":0.1435495518768827}],"sentiment":"neutral","sentiment_score":0.18286562191192493,"num_words":43,"start":1520.505,"end":1539.596},{"sentences":[{"text":"So that will continue to sit as is with no Let me have a look.","start":1539.664,"end":1551.855,"sentiment":"neutral","sentiment_score":0.014488201588392258},{"text":"I'm gonna jump into your previous one.","start":1551.855,"end":1555.455,"sentiment":"neutral","sentiment_score":-0.019219033420085907},{"text":"I won't be at the moment.","start":1555.455,"end":1556.6749,"sentiment":"neutral","sentiment_score":-0.09328921263416608},{"text":"No.","start":1577.505,"end":1578.005,"sentiment":"neutral","sentiment_score":-0.10201777517795564},{"text":"As it's yeah.","start":1578.0651,"end":1579.665,"sentiment":"neutral","sentiment_score":-0.08712882300217946}],"sentiment":"neutral","sentiment_score":-0.0262609290657565,"num_words":32,"start":1539.664,"end":1579.665},{"sentences":[{"text":"So your review last year in February 2025, the balance was sitting at $3.35.","start":1579.665,"end":1586.3251,"sentiment":"neutral","sentiment_score":-0.048801705839910677},{"text":"335.","start":1588.465,"end":1590.1,"sentiment":"neutral","sentiment_score":-0.010039797984063624},{"text":"So it is indexing, and it does have some underlying investments in there, not just the fixed interest component.","start":1590.24,"end":1598.64,"sentiment":"neutral","sentiment_score":0.012281025576062109},{"text":"So it's we we would anticipate to continue to see growth, but it just might not oh, sorry.","start":1598.64,"end":1605.895,"sentiment":"neutral","sentiment_score":-0.039951248508360654},{"text":"I think it might be this headset, to be honest with you.","start":1605.895,"end":1608.9551,"sentiment":"neutral","sentiment_score":-0.07399569110323985}],"sentiment":"neutral","sentiment_score":-0.03229679625292192,"num_words":64,"start":1579.665,"end":1608.9551},{"sentences":[{"text":"The as at your last and your review, which was February 2025, can you hear me better now?","start":1609.9751,"end":1616.11,"sentiment":"neutral","sentiment_score":-0.010423787869513035},{"text":"Yep.","start":1617.37,"end":1617.87,"sentiment":"neutral","sentiment_score":0.18610095977783203},{"text":"Yep.","start":1618.01,"end":1618.51,"sentiment":"neutral","sentiment_score":0.11817929148674013},{"text":"The balance was 335,000 approximately, so rounded.","start":1618.97,"end":1624.4299,"sentiment":"neutral","sentiment_score":0.03646006169063704},{"text":"So that was a balance based on 2023 because we didn't have up to date information.","start":1626.6499,"end":1633.425,"sentiment":"neutral","sentiment_score":0.010652533848769963}],"sentiment":"neutral","sentiment_score":0.012611931233212005,"num_words":43,"start":1609.9751,"end":1633.425},{"sentences":[{"text":"So I'm just gonna jump in now and see your '23.","start":1633.645,"end":1654.2,"sentiment":"neutral","sentiment_score":0.026409998620775612},{"text":"Okay.","start":1661.7749,"end":1662.0149,"sentiment":"neutral","sentiment_score":0.03357313945889473},{"text":"I have a PSS statement here.","start":1662.0149,"end":1664.2749,"sentiment":"neutral","sentiment_score":0.022919386625289917},{"text":"So at 06/30/2025, it was 382,783.","start":1665.5349,"end":1672.56,"sentiment":"neutral","sentiment_score":0.017902216874063015},{"text":"So it's not depreciating at all.","start":1673.98,"end":1677.28,"sentiment":"neutral","sentiment_score":-0.08860752234856288}],"sentiment":"neutral","sentiment_score":0.0012455870397388934,"num_words":30,"start":1633.645,"end":1677.28},{"sentences":[{"text":"We just wouldn't expect to see the same sort of growth as a, say, a hub, for example, a retail platform.","start":1678.7001,"end":1684.985,"sentiment":"neutral","sentiment_score":-0.09745095847618013},{"text":"Because in the underlying investments in a fund like a defined benefit is a lot of income defensive assets with some exposure to growth assets.","start":1684.985,"end":1695.885,"sentiment":"neutral","sentiment_score":-0.05254025936126709},{"text":"So definitely not depreciating.","start":1695.9451,"end":1697.87,"sentiment":"neutral","sentiment_score":-0.12562298774719238},{"text":"But, yeah, you wouldn't expect to see the growth that in a in a typical superannuation accumulation fund as you have now as well.","start":1700.01,"end":1710.11,"sentiment":"neutral","sentiment_score":-0.06488734406108658},{"text":"There might there might be that value.","start":1716.485,"end":1719.9451,"sentiment":"neutral","sentiment_score":-0.02574910276702472}],"sentiment":"neutral","sentiment_score":-0.06913590789945037,"num_words":81,"start":1678.7001,"end":1719.9451},{"sentences":[{"text":"I'll check.","start":1720.805,"end":1721.7051,"sentiment":"neutral","sentiment_score":0.015977061353623867},{"text":"What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records.","start":1722.165,"end":1730.47,"sentiment":"neutral","sentiment_score":0.04153974651126191},{"text":"The value for that would have been taken from sorry.","start":1732.53,"end":1748.5449,"sentiment":"neutral","sentiment_score":-0.06915509440004826},{"text":"Won't be a moment.","start":1748.5449,"end":1749.5249,"sentiment":"neutral","sentiment_score":-0.1174329724162817},{"text":"It looks like last year late last year.","start":1767.095,"end":1770.695,"sentiment":"neutral","sentiment_score":-0.08228242676705122}],"sentiment":"neutral","sentiment_score":-0.008184218513114112,"num_words":56,"start":1720.805,"end":1770.695},{"sentences":[{"text":"So if you do have a current statement at all or a a a a screenshot of a login or anything like that.","start":1770.695,"end":1780.16,"sentiment":"neutral","sentiment_score":0.000585000881034395},{"text":"If you can send that through to us, we can make sure our records are updated to to reflect that.","start":1780.16,"end":1785.14,"sentiment":"neutral","sentiment_score":0.03524555917829275},{"text":"Well, that's okay.","start":1792.105,"end":1793.065,"sentiment":"neutral","sentiment_score":0.062128021071354546},{"text":"It's not urgent.","start":1793.065,"end":1793.945,"sentiment":"neutral","sentiment_score":0.028142939632137615},{"text":"I can send you an email post our our meeting with any details that you can just respond to if you like.","start":1793.945,"end":1809.23,"sentiment":"neutral","sentiment_score":0.07777524299242279}],"sentiment":"neutral","sentiment_score":0.038031470870048226,"num_words":71,"start":1770.695,"end":1809.23},{"sentences":[{"text":"Yep.","start":1810.8826,"end":1811.3826,"sentiment":"neutral","sentiment_score":-0.05479101091623306},{"text":"That's fine.","start":1819.275,"end":1820.0751,"sentiment":"positive","sentiment_score":0.3693109601736069},{"text":"I will make a note of these, and I can send through an email post our meeting.","start":1820.0751,"end":1824.655,"sentiment":"neutral","sentiment_score":0.2518594089676352},{"text":"That's absolutely fine.","start":1825.435,"end":1826.895,"sentiment":"positive","sentiment_score":0.618710478146871},{"text":"I've got we've got you have your Hub twenty four account, which you'll see and a balance of 225,278.","start":1829.65,"end":1839.1901,"sentiment":"neutral","sentiment_score":0.1279696579042234}],"sentiment":"neutral","sentiment_score":0.22030942372622944,"num_words":42,"start":1810.8826,"end":1839.1901},{"sentences":[{"text":"We'll run through the performance of that.","start":1839.7301,"end":1841.855,"sentiment":"neutral","sentiment_score":0.14832041412591934},{"text":"To date, are you happy with Hub as a platform and a provider?","start":1842.075,"end":1845.295,"sentiment":"neutral","sentiment_score":0.2229448310457743},{"text":"Beautiful.","start":1845.995,"end":1846.495,"sentiment":"positive","sentiment_score":0.5199755430221558},{"text":"Fantastic.","start":1846.795,"end":1847.295,"sentiment":"positive","sentiment_score":0.6521530151367188},{"text":"And we have your TEL insurance, which is funded through your Hub twenty four super balance.","start":1848.315,"end":1853.995,"sentiment":"neutral","sentiment_score":0.1406461000442505}],"sentiment":"neutral","sentiment_score":0.193657680561668,"num_words":38,"start":1839.7301,"end":1853.995},{"sentences":[{"text":"So what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it.","start":1853.995,"end":1863.16,"sentiment":"neutral","sentiment_score":0.06941406277042848},{"text":"We've got your life insurance at a 110,250.","start":1863.62,"end":1868.28,"sentiment":"neutral","sentiment_score":0.08923622267320752},{"text":"Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, including enough for a funeral.","start":1869.14,"end":1877.695,"sentiment":"neutral","sentiment_score":0.07792801917370024},{"text":"Do you think do you believe that the 110 is still appropriate given your levels of debt now, or are you thinking that you would decrease it?","start":1878.315,"end":1889.55,"sentiment":"neutral","sentiment_score":-0.036368036573683774},{"text":"The other question is is when you do purchase a house, do you think there'll be debt attached to that house?","start":1889.6901,"end":1895.55,"sentiment":"neutral","sentiment_score":-0.07920686386170842}],"sentiment":"neutral","sentiment_score":0.019666972353921404,"num_words":112,"start":1853.995,"end":1895.55},{"sentences":[{"text":"So you just don't know.","start":1897.45,"end":1911.265,"sentiment":"neutral","sentiment_score":-0.14390060529112816},{"text":"Yeah.","start":1911.265,"end":1911.63,"sentiment":"neutral","sentiment_score":-0.0664130449295044},{"text":"Yeah.","start":1911.71,"end":1912.03,"sentiment":"neutral","sentiment_score":-0.03458835184574127},{"text":"And that's that's absolutely fair.","start":1912.03,"end":1913.87,"sentiment":"neutral","sentiment_score":0.0052167467772960665},{"text":"They're not easy questions to ask.","start":1913.87,"end":1915.81,"sentiment":"neutral","sentiment_score":-0.2106323167681694}],"sentiment":"neutral","sentiment_score":-0.11434525499741237,"num_words":18,"start":1897.45,"end":1915.81},{"sentences":[{"text":"So if you I guess if I broke it down in a different way, when when it comes to purchasing a home that you believe will be in the future, would you do that through retirement funds?","start":1916.1901,"end":1928.1951,"sentiment":"neutral","sentiment_score":-0.05447699607828179},{"text":"Would you do that through potential future inheritances, or will you be doing it through savings and getting a mortgage?","start":1928.1951,"end":1935.3351,"sentiment":"neutral","sentiment_score":-0.02906866082921624},{"text":"Yep.","start":1942.81,"end":1943.31,"sentiment":"neutral","sentiment_score":0.0013499855995178225},{"text":"Yep.","start":1946.49,"end":1946.99,"sentiment":"neutral","sentiment_score":-0.003810197114944458},{"text":"Yes.","start":1952.81,"end":1953.31,"sentiment":"neutral","sentiment_score":0.05239080637693405}],"sentiment":"neutral","sentiment_score":-0.04245152461032073,"num_words":60,"start":1916.1901,"end":1953.31},{"sentences":[{"text":"Yep.","start":1953.4501,"end":1953.9501,"sentiment":"neutral","sentiment_score":0.05162776634097099},{"text":"Alright.","start":1954.3301,"end":1954.8301,"sentiment":"neutral","sentiment_score":0.1401475965976715},{"text":"Beautiful.","start":1955.29,"end":1955.79,"sentiment":"neutral","sentiment_score":0.30901187658309937},{"text":"Given that you're not certain about the the a way that you would approach per purchasing a property, I probably wouldn't make any recommendations of decreasing any existing life or TPD cover at this stage just because if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it.","start":1956.345,"end":1982.41,"sentiment":"neutral","sentiment_score":-0.1319340988693218},{"text":"But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point in time.","start":1982.95,"end":2010.34,"sentiment":"neutral","sentiment_score":-0.17000105132973647}],"sentiment":"neutral","sentiment_score":-0.14659173573212078,"num_words":144,"start":1953.4501,"end":2010.34},{"sentences":[{"text":"Yes.","start":2014.32,"end":2014.515,"sentiment":"neutral","sentiment_score":-0.07412990927696228},{"text":"Yep.","start":2016.515,"end":2017.015,"sentiment":"neutral","sentiment_score":-0.003483666805550456},{"text":"Yep.","start":2017.155,"end":2017.655,"sentiment":"neutral","sentiment_score":-0.003283971454948187},{"text":"Mhmm.","start":2025.955,"end":2026.455,"sentiment":"neutral","sentiment_score":-0.13652482628822327},{"text":"Yes.","start":2029.955,"end":2030.19,"sentiment":"neutral","sentiment_score":-0.025729171931743625}],"sentiment":"neutral","sentiment_score":-0.048630309151485564,"num_words":5,"start":2014.32,"end":2030.19},{"sentences":[{"text":"Yes.","start":2036.6699,"end":2037.1699,"sentiment":"neutral","sentiment_score":-0.027444960549473763},{"text":"Yeah.","start":2046.385,"end":2046.705,"sentiment":"neutral","sentiment_score":-0.004388822242617607},{"text":"Those those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration.","start":2046.705,"end":2055.125,"sentiment":"neutral","sentiment_score":0.027172811414030464},{"text":"Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of yours.","start":2056.4648,"end":2076.405,"sentiment":"neutral","sentiment_score":0.2525285824778534},{"text":"Yep.","start":2076.545,"end":2077.045,"sentiment":"positive","sentiment_score":0.383462518453598}],"sentiment":"neutral","sentiment_score":0.1724721052364182,"num_words":67,"start":2036.6699,"end":2077.045},{"sentences":[{"text":"Yep.","start":2077.745,"end":2078.245,"sentiment":"neutral","sentiment_score":0.05551101267337799},{"text":"Yes.","start":2082.385,"end":2082.885,"sentiment":"neutral","sentiment_score":-0.07736870646476746},{"text":"I under Yeah.","start":2082.945,"end":2088.3599,"sentiment":"neutral","sentiment_score":-0.06246580431858698},{"text":"Okay.","start":2088.3599,"end":2088.8599,"sentiment":"neutral","sentiment_score":0.02838892862200737},{"text":"Alright.","start":2089.0,"end":2089.3198,"sentiment":"neutral","sentiment_score":0.11424468457698822}],"sentiment":"neutral","sentiment_score":-0.009517356221164976,"num_words":7,"start":2077.745,"end":2089.3198},{"sentences":[{"text":"Well, I'm gonna still leave it there as a goal of yours because it is still a goal, and we can keep revisiting that.","start":2089.3198,"end":2099.66,"sentiment":"positive","sentiment_score":0.4029066438476245},{"text":"I also have your income protection here at $5,304 per month.","start":2100.2798,"end":2107.245,"sentiment":"neutral","sentiment_score":0.16269498657096515},{"text":"That will cover you if you are unable to work due to injury or illness.","start":2107.945,"end":2114.0452,"sentiment":"neutral","sentiment_score":-0.00047351494431495665},{"text":"I'm just double checking now to make sure.","start":2117.5452,"end":2120.42,"sentiment":"neutral","sentiment_score":-0.09021403826773167},{"text":"You're probably a little bit underinsured in if I look at it compared to your income that you're earning.","start":2121.3599,"end":2128.34,"sentiment":"negative","sentiment_score":-0.35789137137563604}],"sentiment":"neutral","sentiment_score":0.05104744439194729,"num_words":77,"start":2089.3198,"end":2128.34},{"sentences":[{"text":"You're you're shy about a thousand dollars a month, we can look at increasing that benefit amount.","start":2129.3599,"end":2139.4749,"sentiment":"neutral","sentiment_score":-0.03277604216161896},{"text":"So it's 5,300.","start":2139.4749,"end":2141.315,"sentiment":"neutral","sentiment_score":0.03169138357043266},{"text":"If your income is around the 113,000 mark, we can look at ensuring that for oh gosh.","start":2141.315,"end":2152.29,"sentiment":"neutral","sentiment_score":-0.02464136996251695},{"text":"I did the wrong thing there.","start":2152.29,"end":2153.91,"sentiment":"negative","sentiment_score":-0.3334309160709381},{"text":"It's it's about the 6,500 a month mark.","start":2154.69,"end":2157.73,"sentiment":"neutral","sentiment_score":-0.14418558776378632}],"sentiment":"neutral","sentiment_score":-0.07911945203793984,"num_words":51,"start":2129.3599,"end":2157.73},{"sentences":[{"text":"So I'm not sure if you so what that means is going when you took the cover out, you might remember that you had to go through underwriting and complete a a lot of medical information and financial information.","start":2157.73,"end":2170.7551,"sentiment":"neutral","sentiment_score":-0.2454004902870227},{"text":"So any any increases we do make, that would require the same process, but it would not impact your existing cover.","start":2171.375,"end":2181.0698,"sentiment":"neutral","sentiment_score":0.050531339255117234},{"text":"So it would only impact any underwriting would only be on the additional cover that you're applying for.","start":2181.0698,"end":2186.2898,"sentiment":"neutral","sentiment_score":0.010236210189759731},{"text":"Yep.","start":2191.035,"end":2191.535,"sentiment":"neutral","sentiment_score":-0.02122017741203308},{"text":"Yeah.","start":2197.2224,"end":2197.7224,"sentiment":"neutral","sentiment_score":0.08967684954404831}],"sentiment":"neutral","sentiment_score":-0.10320940676610917,"num_words":80,"start":2157.73,"end":2197.7224},{"sentences":[{"text":"Okay.","start":2209.25,"end":2209.49,"sentiment":"neutral","sentiment_score":0.25169259309768677},{"text":"Fantastic.","start":2209.49,"end":2209.99,"sentiment":"positive","sentiment_score":0.4224785566329956},{"text":"What exact.","start":2212.01,"end":2215.17,"sentiment":"neutral","sentiment_score":0.040609913878142834},{"text":"That's Okay.","start":2215.17,"end":2218.535,"sentiment":"neutral","sentiment_score":0.06401335261762142},{"text":"Yep.","start":2219.075,"end":2219.575,"sentiment":"neutral","sentiment_score":0.130659282207489}],"sentiment":"neutral","sentiment_score":0.14486813784709998,"num_words":7,"start":2209.25,"end":2219.575},{"sentences":[{"text":"Alright.","start":2220.7551,"end":2221.235,"sentiment":"neutral","sentiment_score":0.20498546957969663},{"text":"We can do that.","start":2221.235,"end":2221.795,"sentiment":"neutral","sentiment_score":0.2517467513680458},{"text":"I'll add that to our email for you to send through, so that's absolutely fine.","start":2221.795,"end":2230.215,"sentiment":"neutral","sentiment_score":0.23770196239153543},{"text":"Fantastic.","start":2232.86,"end":2233.36,"sentiment":"positive","sentiment_score":0.5043118596076965},{"text":"Alright.","start":2234.06,"end":2234.4602,"sentiment":"neutral","sentiment_score":0.26922985911369324}],"sentiment":"neutral","sentiment_score":0.2523201649839228,"num_words":22,"start":2220.7551,"end":2234.4602},{"sentences":[{"text":"So we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage.","start":2234.4602,"end":2241.5,"sentiment":"neutral","sentiment_score":0.13876298274844884},{"text":"And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance.","start":2241.5,"end":2249.055,"sentiment":"neutral","sentiment_score":0.06855755044441474},{"text":"Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events.","start":2249.275,"end":2261.92,"sentiment":"neutral","sentiment_score":0.05826044243440265},{"text":"So they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable.","start":2261.92,"end":2274.675,"sentiment":"neutral","sentiment_score":-0.0010332686762357583},{"text":"The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP.","start":2275.855,"end":2285.07,"sentiment":"neutral","sentiment_score":-0.2307811223325275}],"sentiment":"neutral","sentiment_score":0.008808420749750636,"num_words":121,"start":2234.4602,"end":2285.07},{"sentences":[{"text":"IP, probably IP, sorry.","start":2285.07,"end":2286.59,"sentiment":"neutral","sentiment_score":-0.09946500323712826},{"text":"Income protection, it's probably one of the most claimable policies.","start":2286.59,"end":2292.21,"sentiment":"neutral","sentiment_score":-0.17515720725059508},{"text":"So you I just note that you don't have any of that.","start":2292.51,"end":2295.1501,"sentiment":"neutral","sentiment_score":-0.18478419445455074},{"text":"I'm just wondering if you are interested in looking at trauma insurance.","start":2295.1501,"end":2303.045,"sentiment":"neutral","sentiment_score":-0.08864091740300258},{"text":"That depends.","start":2303.585,"end":2304.405,"sentiment":"neutral","sentiment_score":-0.10975636169314384}],"sentiment":"neutral","sentiment_score":-0.1412511537782848,"num_words":40,"start":2285.07,"end":2304.405},{"sentences":[{"text":"So that is dependent on the the some insured and the company.","start":2304.465,"end":2311.905,"sentiment":"neutral","sentiment_score":-0.10094171948730946},{"text":"So what we do is I'll I'll go away and look at your do some research at in the market.","start":2311.905,"end":2319.84,"sentiment":"neutral","sentiment_score":0.06312207765877247},{"text":"And the the sum insured would be based on your what it is that you're wanting those funds for.","start":2319.84,"end":2327.52,"sentiment":"neutral","sentiment_score":0.06132880186564044},{"text":"So, typically, a trauma policy is something that people will claim on when their illness is typically or the injury is not terminal, so there's a recovery period that you need to be able to get back up on your feet.","start":2327.52,"end":2341.8552,"sentiment":"neutral","sentiment_score":0.000544849930830845},{"text":"Some may use it pay off a little bit of debt to take that that pressure off.","start":2341.8552,"end":2349.1401,"sentiment":"neutral","sentiment_score":0.055768773288411254}],"sentiment":"neutral","sentiment_score":0.02006234998020147,"num_words":109,"start":2304.465,"end":2349.1401},{"sentences":[{"text":"Thank you.","start":2349.1401,"end":2349.62,"sentiment":"positive","sentiment_score":0.37476086616516113},{"text":"Thank you.","start":2349.62,"end":2350.02,"sentiment":"positive","sentiment_score":0.3677612245082855},{"text":"That's the word I was looking for.","start":2350.02,"end":2351.72,"sentiment":"neutral","sentiment_score":0.02725425229540893},{"text":"And, you know, because in some cases as well, it might be that you're back at work before your income protection policy kicks in.","start":2353.9402,"end":2361.405,"sentiment":"neutral","sentiment_score":-0.08480833494104445},{"text":"So it really is dependent on what you would want covered, if there's out of pocket medical expenses, those types of things.","start":2361.785,"end":2372.0398,"sentiment":"neutral","sentiment_score":-0.10523938997225328}],"sentiment":"neutral","sentiment_score":-0.04692706439578742,"num_words":57,"start":2349.1401,"end":2372.0398},{"sentences":[{"text":"So I can definitely run some calculations.","start":2372.0398,"end":2373.8198,"sentiment":"neutral","sentiment_score":0.04000805797321456},{"text":"It would just depend on did you want an act cover for out of pocket medical expenses, debt repaid, those items.","start":2374.0398,"end":2383.425,"sentiment":"neutral","sentiment_score":-0.0767693661508106},{"text":"We can look at it and recommend it whether and, you know, we can work with you on the affordability of it.","start":2395.78,"end":2404.9202,"sentiment":"neutral","sentiment_score":0.16484540785578164},{"text":"But my re what typically we would look at is definitely out of pocket medical expenses.","start":2405.06,"end":2412.095,"sentiment":"neutral","sentiment_score":-0.21854329714551568},{"text":"And because sometimes there are, even in the public health system, unfortunately, with even with things like cancer.","start":2413.2751,"end":2424.2551,"sentiment":"neutral","sentiment_score":-0.2442688395579656}],"sentiment":"neutral","sentiment_score":-0.06665515686784472,"num_words":84,"start":2372.0398,"end":2424.2551},{"sentences":[{"text":"I've seen myself with with friends.","start":2424.5552,"end":2427.27,"sentiment":"neutral","sentiment_score":-0.20107030123472214},{"text":"There is the cost of treatment.","start":2427.65,"end":2431.27,"sentiment":"neutral","sentiment_score":-0.2982563202579816},{"text":"If it's not covered or you don't meet a certain what is it?","start":2431.41,"end":2437.65,"sentiment":"neutral","sentiment_score":-0.26107080510029423},{"text":"Grade of cancer, then you do need to pay for treatment.","start":2437.65,"end":2440.8499,"sentiment":"neutral","sentiment_score":-0.3076998957178809},{"text":"So we definitely look at things like that.","start":2440.8499,"end":2442.875,"sentiment":"neutral","sentiment_score":-0.10075696930289268}],"sentiment":"neutral","sentiment_score":-0.24046897278590637,"num_words":44,"start":2424.5552,"end":2442.875},{"sentences":[{"text":"And then it would be a question of would you want the the debt that you have outstanding covered so you didn't have to worry about that and some income.","start":2445.175,"end":2454.68,"sentiment":"neutral","sentiment_score":0.0710687110821406},{"text":"Yeah.","start":2460.74,"end":2461.24,"sentiment":"neutral","sentiment_score":0.029024990275502205},{"text":"Yeah.","start":2466.26,"end":2466.585,"sentiment":"neutral","sentiment_score":0.03602001816034317},{"text":"Yeah.","start":2470.025,"end":2470.525,"sentiment":"neutral","sentiment_score":0.07986639440059662},{"text":"Let me play with some figures, and I'll do what we would typically recommend.","start":2470.665,"end":2475.565,"sentiment":"neutral","sentiment_score":0.10309732918228422}],"sentiment":"neutral","sentiment_score":0.07915607114580084,"num_words":47,"start":2445.175,"end":2475.565},{"sentences":[{"text":"We can then have a conversation from that and work our way backwards.","start":2475.865,"end":2483.07,"sentiment":"neutral","sentiment_score":0.13352394447876856},{"text":"And it might be that we just catch up again before we do once I've done all this research to run through some of the details that I've found, and we can go from there.","start":2484.09,"end":2501.285,"sentiment":"neutral","sentiment_score":0.10583949057119234},{"text":"I know.","start":2501.345,"end":2502.005,"sentiment":"neutral","sentiment_score":-0.2274128720164299},{"text":"I know.","start":2502.4648,"end":2503.105,"sentiment":"neutral","sentiment_score":-0.16038703173398972},{"text":"There's a sorry?","start":2503.105,"end":2505.6848,"sentiment":"neutral","sentiment_score":-0.30657972892125446}],"sentiment":"neutral","sentiment_score":0.06808826279911127,"num_words":55,"start":2475.865,"end":2505.6848},{"sentences":[{"text":"Mhmm.","start":2508.865,"end":2509.365,"sentiment":"neutral","sentiment_score":-0.25288671255111694},{"text":"Yeah.","start":2510.7048,"end":2511.03,"sentiment":"neutral","sentiment_score":-0.032584644854068756},{"text":"That's right.","start":2511.11,"end":2511.75,"sentiment":"neutral","sentiment_score":0.07211801316589117},{"text":"That's right.","start":2511.75,"end":2512.55,"sentiment":"neutral","sentiment_score":0.1482410579919815},{"text":"Yeah.","start":2512.55,"end":2513.05,"sentiment":"neutral","sentiment_score":0.058202169835567474}],"sentiment":"neutral","sentiment_score":0.030492707820875303,"num_words":7,"start":2508.865,"end":2513.05},{"sentences":[{"text":"It's something that we've probably or experienced to some degree, whether it be a family member, a friend, or even ourselves.","start":2513.19,"end":2522.01,"sentiment":"neutral","sentiment_score":0.033167269613061635},{"text":"Yeah.","start":2523.43,"end":2523.705,"sentiment":"neutral","sentiment_score":0.0283610001206398},{"text":"So yeah.","start":2523.865,"end":2527.3252,"sentiment":"neutral","sentiment_score":0.0538299223408103},{"text":"Yes.","start":2527.625,"end":2528.125,"sentiment":"neutral","sentiment_score":0.13102637231349945},{"text":"Yeah.","start":2528.345,"end":2528.745,"sentiment":"neutral","sentiment_score":0.16973145306110382}],"sentiment":"neutral","sentiment_score":0.04358812815581377,"num_words":26,"start":2513.19,"end":2528.745},{"sentences":[{"text":"Definitely.","start":2528.745,"end":2529.245,"sentiment":"neutral","sentiment_score":0.2803254723548889},{"text":"So I'll definitely add that to my list of little of items to conduct a little bit of research on.","start":2530.185,"end":2537.71,"sentiment":"neutral","sentiment_score":0.29087458848953246},{"text":"The next document in your review pack is should be a performance report from Hub twenty four.","start":2537.8499,"end":2546.43,"sentiment":"neutral","sentiment_score":0.10490699243896148},{"text":"Is that the next one that you have?","start":2548.49,"end":2550.285,"sentiment":"neutral","sentiment_score":0.05758359422907233},{"text":"Okay.","start":2552.905,"end":2553.385,"sentiment":"neutral","sentiment_score":0.04213704168796539}],"sentiment":"neutral","sentiment_score":0.17838387040698783,"num_words":47,"start":2528.745,"end":2553.385},{"sentences":[{"text":"So from that, the second page will show you a return a net return.","start":2553.385,"end":2559.625,"sentiment":"neutral","sentiment_score":0.025068769896669046},{"text":"So this is gross after fees, sorry, of 6.52%.","start":2559.625,"end":2563.55,"sentiment":"neutral","sentiment_score":-0.005468993861642148},{"text":"Now your risk profile is a gross risk profile, and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile.","start":2563.55,"end":2578.575,"sentiment":"neutral","sentiment_score":-0.1178640175472807},{"text":"The return on a growth risk profile would sit between the seven to 9% mark, which is reflective.","start":2579.275,"end":2588.7349,"sentiment":"neutral","sentiment_score":-0.041727488239606224},{"text":"If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund.","start":2588.9548,"end":2594.3499,"sentiment":"neutral","sentiment_score":-0.05972785691154145}],"sentiment":"neutral","sentiment_score":-0.05489849913969971,"num_words":89,"start":2553.385,"end":2594.3499},{"sentences":[{"text":"It's had a significant loss in the last twelve months.","start":2595.21,"end":2598.91,"sentiment":"negative","sentiment_score":-0.42341623902320863},{"text":"If you can see in brackets, it's a loss of 21.28%.","start":2600.0898,"end":2604.365,"sentiment":"neutral","sentiment_score":-0.23771894655444406},{"text":"Now it is.","start":2605.065,"end":2606.985,"sentiment":"neutral","sentiment_score":-0.06427947680155437},{"text":"It is.","start":2606.985,"end":2607.725,"sentiment":"neutral","sentiment_score":-0.024869299493730068},{"text":"Now that's not reflective of the actual Australian share market as a whole.","start":2607.945,"end":2612.125,"sentiment":"neutral","sentiment_score":-0.19942719432023856}],"sentiment":"neutral","sentiment_score":-0.24831285533041525,"num_words":39,"start":2595.21,"end":2612.125},{"sentences":[{"text":"It's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them.","start":2612.985,"end":2637.2551,"sentiment":"neutral","sentiment_score":-0.02610930145062782},{"text":"Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors.","start":2637.715,"end":2658.59,"sentiment":"neutral","sentiment_score":-0.2765931165532062},{"text":"So with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return.","start":2658.81,"end":2670.105,"sentiment":"neutral","sentiment_score":-0.2803656949024451},{"text":"So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial.","start":2670.165,"end":2700.3152,"sentiment":"neutral","sentiment_score":-0.055113019124753235},{"text":"So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable with that.","start":2701.5752,"end":2720.815,"sentiment":"neutral","sentiment_score":-0.042771518912686164}],"sentiment":"neutral","sentiment_score":-0.10264288136033935,"num_words":223,"start":2612.985,"end":2720.815},{"sentences":[{"text":"Yep.","start":2720.815,"end":2721.315,"sentiment":"neutral","sentiment_score":0.016979243606328964},{"text":"Correct.","start":2721.535,"end":2722.035,"sentiment":"neutral","sentiment_score":0.06262224912643433},{"text":"Yep.","start":2722.9749,"end":2723.4749,"sentiment":"neutral","sentiment_score":0.022229505702853203},{"text":"Yeah.","start":2724.7349,"end":2725.2349,"sentiment":"neutral","sentiment_score":0.05728156119585037},{"text":"Yeah.","start":2725.375,"end":2725.875,"sentiment":"neutral","sentiment_score":0.08081335574388504}],"sentiment":"neutral","sentiment_score":0.04798518307507038,"num_words":5,"start":2720.815,"end":2725.875},{"sentences":[{"text":"Yep.","start":2726.255,"end":2726.755,"sentiment":"neutral","sentiment_score":0.10108976066112518},{"text":"But overall, even though that was a large dip, the fact that you've still had a positive return from the great performance of your other assets within there is is really favorable.","start":2728.015,"end":2742.6199,"sentiment":"positive","sentiment_score":0.35311431833542883},{"text":"The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF.","start":2743.24,"end":2753.275,"sentiment":"neutral","sentiment_score":0.13734757204850515},{"text":"Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the bank hybrid.","start":2754.055,"end":2764.19,"sentiment":"neutral","sentiment_score":0.07293778598308563},{"text":"Yeah.","start":2764.97,"end":2765.45,"sentiment":"neutral","sentiment_score":0.03696824237704277}],"sentiment":"neutral","sentiment_score":0.1952987415820695,"num_words":89,"start":2726.255,"end":2765.45},{"sentences":[{"text":"So all that is in it's not all.","start":2765.45,"end":2768.57,"sentiment":"neutral","sentiment_score":-0.0007048437837511305},{"text":"The it forms part of your defensive portfolio.","start":2768.57,"end":2773.135,"sentiment":"neutral","sentiment_score":-0.0012668531853705647},{"text":"So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest.","start":2773.135,"end":2788.54,"sentiment":"neutral","sentiment_score":0.06152868699846846},{"text":"Now the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund.","start":2788.84,"end":2804.845,"sentiment":"neutral","sentiment_score":0.02745396442907421},{"text":"So it's not that it's performing badly or anything is the reason why we wanna look at it.","start":2805.145,"end":2811.9,"sentiment":"neutral","sentiment_score":-0.03711621732347541}],"sentiment":"neutral","sentiment_score":0.02276030315884522,"num_words":105,"start":2765.45,"end":2811.9},{"sentences":[{"text":"What we why we I personally would like to look at it is it is being phased out of the market.","start":2811.98,"end":2821.18,"sentiment":"neutral","sentiment_score":-0.1910103786559332},{"text":"So by January 2027, I believe, is when they will cease the hybrids.","start":2821.18,"end":2827.2449,"sentiment":"neutral","sentiment_score":-0.1871191251736421},{"text":"I think I'd rather prefer to be proactive in that space and look at if there are are better options available for you.","start":2827.385,"end":2835.065,"sentiment":"neutral","sentiment_score":0.07827064573116925},{"text":"So if you're happy with that, I'd like to do a little bit of research on that also.","start":2835.065,"end":2841.6301,"sentiment":"neutral","sentiment_score":0.1082845309542285},{"text":"Yeah.","start":2842.1702,"end":2842.6702,"sentiment":"neutral","sentiment_score":0.12482061982154846}],"sentiment":"neutral","sentiment_score":-0.03381052039759724,"num_words":76,"start":2811.98,"end":2842.6702},{"sentences":[{"text":"Yeah.","start":2844.73,"end":2844.8901,"sentiment":"neutral","sentiment_score":0.22556287050247192},{"text":"Definitely.","start":2844.8901,"end":2845.3901,"sentiment":"neutral","sentiment_score":0.2232353687286377},{"text":"Do you with your portfolio with Hub, do you have any questions?","start":2847.05,"end":2850.43,"sentiment":"neutral","sentiment_score":0.09004462448259194},{"text":"No.","start":2852.81,"end":2853.31,"sentiment":"neutral","sentiment_score":-0.14853474497795105},{"text":"Yeah.","start":2855.505,"end":2855.7449,"sentiment":"neutral","sentiment_score":-0.08973367512226105}],"sentiment":"neutral","sentiment_score":0.08069158205762506,"num_words":16,"start":2844.73,"end":2855.7449},{"sentences":[{"text":"Yep.","start":2855.7449,"end":2856.2449,"sentiment":"neutral","sentiment_score":-0.102872334420681},{"text":"Yes.","start":2859.105,"end":2859.585,"sentiment":"neutral","sentiment_score":-0.0585133396089077},{"text":"Yes.","start":2859.585,"end":2860.065,"sentiment":"neutral","sentiment_score":-0.01844089850783348},{"text":"Definitely.","start":2860.065,"end":2860.565,"sentiment":"neutral","sentiment_score":-0.00915391556918621},{"text":"Yeah.","start":2864.065,"end":2864.4648,"sentiment":"neutral","sentiment_score":-0.10505130141973495}],"sentiment":"neutral","sentiment_score":-0.05880635790526867,"num_words":5,"start":2855.7449,"end":2864.4648},{"sentences":[{"text":"Of course.","start":2864.4648,"end":2865.025,"sentiment":"neutral","sentiment_score":-0.14474619925022125},{"text":"And and with a gross risk profile, you're looking at about every one in five years of having a negative return.","start":2865.025,"end":2872.29,"sentiment":"neutral","sentiment_score":-0.2551736299480711},{"text":"So even though you haven't had a negative return overall, you have had a negative impact to your portfolio.","start":2872.75,"end":2877.49,"sentiment":"negative","sentiment_score":-0.3584434554765099},{"text":"But, also, you've got 80% allocation to your growth assets.","start":2879.07,"end":2882.565,"sentiment":"neutral","sentiment_score":-0.015392358414828777},{"text":"So you are you are definitely gonna experience market ups and downs.","start":2882.565,"end":2887.145,"sentiment":"neutral","sentiment_score":-0.09638321523865064}],"sentiment":"neutral","sentiment_score":-0.2151419757574331,"num_words":64,"start":2864.4648,"end":2887.145},{"sentences":[{"text":"But with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested in.","start":2888.405,"end":2896.98,"sentiment":"neutral","sentiment_score":-0.028136606328189373},{"text":"So you do have time, and staying in a gross risk profile, if you're comfortable with that, having the 20% split with your time frame, I would rely on you to tell me whether you are still comfortable with that based on your retirement age.","start":2896.98,"end":2920.585,"sentiment":"neutral","sentiment_score":-0.0234340976509783},{"text":"No.","start":2927.32,"end":2927.8,"sentiment":"negative","sentiment_score":-0.3725963830947876},{"text":"No.","start":2927.8,"end":2928.3,"sentiment":"negative","sentiment_score":-0.366790384054184},{"text":"No.","start":2928.6802,"end":2929.1802,"sentiment":"neutral","sentiment_score":-0.14749115705490112}],"sentiment":"neutral","sentiment_score":-0.03634292875520057,"num_words":72,"start":2888.405,"end":2929.1802},{"sentences":[{"text":"What we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months, looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you.","start":2929.56,"end":2951.4302,"sentiment":"neutral","sentiment_score":0.11586499731573793},{"text":"And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast.","start":2951.4302,"end":2959.6902,"sentiment":"neutral","sentiment_score":0.18425301355975016},{"text":"So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that.","start":2959.75,"end":2977.615,"sentiment":"neutral","sentiment_score":0.13345814228057862},{"text":"But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30% defensive.","start":2977.86,"end":2999.0251,"sentiment":"neutral","sentiment_score":0.06154954497303281},{"text":"So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years.","start":2999.885,"end":3011.73,"sentiment":"neutral","sentiment_score":-0.23935481626540422}],"sentiment":"neutral","sentiment_score":0.05882192816352472,"num_words":192,"start":2929.56,"end":3011.73},{"sentences":[{"text":"So that's something that we would definitely look at doing as you approach retirement and on on your also your comfort with risk.","start":3012.3499,"end":3027.5452,"sentiment":"neutral","sentiment_score":0.1947842486526655},{"text":"So I think probably there's two aggressive investment you have ever made?","start":3028.165,"end":3062.281,"sentiment":"neutral","sentiment_score":0.0471226101120313},{"text":"So you can look at this from your superannuation fund or even you're you're doing crypto at the moment.","start":3062.281,"end":3067.97,"sentiment":"neutral","sentiment_score":0.1002859914381253},{"text":"So I'd probably say you're quite a aggressive investor that understands risk.","start":3067.97,"end":3073.875,"sentiment":"neutral","sentiment_score":0.09239108798404534},{"text":"Would you say that?","start":3073.875,"end":3075.335,"sentiment":"neutral","sentiment_score":0.0190820200368762}],"sentiment":"neutral","sentiment_score":0.11622805733765874,"num_words":70,"start":3012.3499,"end":3075.335},{"sentences":[{"text":"Yep.","start":3078.195,"end":3078.675,"sentiment":"neutral","sentiment_score":0.05786333605647087},{"text":"So if that's good.","start":3078.675,"end":3084.375,"sentiment":"neutral","sentiment_score":0.15157190524041653},{"text":"So we've got direct shares and managed funds.","start":3084.435,"end":3087.555,"sentiment":"neutral","sentiment_score":0.11426632199436426},{"text":"So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk.","start":3087.555,"end":3097.3098,"sentiment":"neutral","sentiment_score":0.0946392547339201},{"text":"So that's the answer to that question.","start":3099.69,"end":3104.155,"sentiment":"neutral","sentiment_score":0.10179916769266129}],"sentiment":"neutral","sentiment_score":0.10511532347453267,"num_words":38,"start":3078.195,"end":3104.155},{"sentences":[{"text":"The with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market?","start":3105.0151,"end":3119.29,"sentiment":"neutral","sentiment_score":-0.05766037118931611},{"text":"So there's a couple of questions here.","start":3119.29,"end":3121.23,"sentiment":"neutral","sentiment_score":-0.008703160299254315},{"text":"Number or answers, I should say.","start":3121.85,"end":3123.37,"sentiment":"neutral","sentiment_score":-0.040626280630628266},{"text":"Number one, you're willing to accept very high risk to outpace inflation.","start":3123.37,"end":3126.75,"sentiment":"neutral","sentiment_score":-0.18191016372293234},{"text":"Number two, you're willing to accept high risk to outpace.","start":3126.97,"end":3131.465,"sentiment":"neutral","sentiment_score":-0.07752583492547274}],"sentiment":"neutral","sentiment_score":-0.0768103270075069,"num_words":65,"start":3105.0151,"end":3131.465},{"sentences":[{"text":"So basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at all.","start":3131.685,"end":3139.945,"sentiment":"neutral","sentiment_score":-0.008059859965686445},{"text":"It is.","start":3146.0999,"end":3146.8398,"sentiment":"neutral","sentiment_score":-0.018434382043778896},{"text":"Look.","start":3153.22,"end":3153.72,"sentiment":"neutral","sentiment_score":0.03312373906373978},{"text":"It it just gives us an idea of your risk tolerance.","start":3153.78,"end":3157.48,"sentiment":"neutral","sentiment_score":0.09000823104923422},{"text":"So there's no right or wrong answer.","start":3157.7,"end":3161.215,"sentiment":"neutral","sentiment_score":-0.008565737732819148}],"sentiment":"neutral","sentiment_score":0.014766023610718548,"num_words":48,"start":3131.685,"end":3161.215},{"sentences":[{"text":"It just helps us understand better where we where risk can become concerning little bit.","start":3162.955,"end":3187.155,"sentiment":"neutral","sentiment_score":-0.006628890335559845},{"text":"Yeah.","start":3187.555,"end":3187.635,"sentiment":"neutral","sentiment_score":-0.00017329305410385132},{"text":"I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week.","start":3187.635,"end":3196.915,"sentiment":"neutral","sentiment_score":-0.027135266291518367},{"text":"That's still seven years in the market.","start":3196.915,"end":3199.315,"sentiment":"neutral","sentiment_score":-0.06557987523930413},{"text":"So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage.","start":3199.315,"end":3205.18,"sentiment":"neutral","sentiment_score":-0.04909247199171468}],"sentiment":"neutral","sentiment_score":-0.03195364380331889,"num_words":73,"start":3162.955,"end":3205.18},{"sentences":[{"text":"And then even it's even longer if it's if it your retirement does push out.","start":3206.36,"end":3212.6,"sentiment":"neutral","sentiment_score":-0.19578787585099539},{"text":"Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio.","start":3212.6,"end":3220.935,"sentiment":"neutral","sentiment_score":-0.07109689420979956},{"text":"So it's, yeah, it's up to it's really your comfort level.","start":3221.395,"end":3226.215,"sentiment":"neutral","sentiment_score":0.23016692833466965},{"text":"It's completely your gut feeling.","start":3234.29,"end":3237.43,"sentiment":"neutral","sentiment_score":0.25780479311943055},{"text":"Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at all.","start":3245.265,"end":3252.805,"sentiment":"neutral","sentiment_score":-0.0449269840028137}],"sentiment":"neutral","sentiment_score":-0.02229359739686589,"num_words":74,"start":3206.36,"end":3252.805},{"sentences":[{"text":"Moderate.","start":3258.545,"end":3259.045,"sentiment":"neutral","sentiment_score":0.0902918130159378},{"text":"Perfect.","start":3259.1848,"end":3259.585,"sentiment":"positive","sentiment_score":0.6013813018798828},{"text":"That's absolutely fine.","start":3259.585,"end":3261.3599,"sentiment":"positive","sentiment_score":0.5942623019218445},{"text":"Now the next question is, if how would you feel if in six months after investing, you found out that your portfolio had dropped by 20% just due to the general trends and ebbs and flows of the market, would you want to, number one, invest more for heavy growth?","start":3261.9,"end":3282.825,"sentiment":"neutral","sentiment_score":-0.12299637958407401},{"text":"Number two, invest modest modestly for heavy growth, hold and wait, shift to defensive asset, minimizing your losses, or convert to cash.","start":3283.205,"end":3294.03,"sentiment":"neutral","sentiment_score":0.0075230141254988584}],"sentiment":"neutral","sentiment_score":-0.0455825019192386,"num_words":77,"start":3258.545,"end":3294.03},{"sentences":[{"text":"Yep.","start":3298.09,"end":3298.59,"sentiment":"neutral","sentiment_score":0.054413896054029465},{"text":"Okay.","start":3299.05,"end":3299.55,"sentiment":"neutral","sentiment_score":0.04960136115550995},{"text":"Yeah.","start":3304.995,"end":3305.495,"sentiment":"neutral","sentiment_score":-0.05399257689714432},{"text":"Yeah.","start":3305.875,"end":3306.375,"sentiment":"neutral","sentiment_score":-0.06199227273464203},{"text":"Yep.","start":3307.315,"end":3307.815,"sentiment":"neutral","sentiment_score":0.09880650043487547}],"sentiment":"neutral","sentiment_score":0.017367381602525708,"num_words":5,"start":3298.09,"end":3307.815},{"sentences":[{"text":"That's absolutely fine.","start":3307.875,"end":3309.415,"sentiment":"neutral","sentiment_score":0.24937223891417185},{"text":"And what kind of return would you expect to get from your superannuation long term?","start":3309.635,"end":3315.26,"sentiment":"neutral","sentiment_score":0.3004807005325953},{"text":"So 8% or above, six to 8%, four to six, two to four, or zero to two.","start":3315.8,"end":3322.46,"sentiment":"neutral","sentiment_score":0.20418882545302897},{"text":"Yep.","start":3324.52,"end":3325.02,"sentiment":"neutral","sentiment_score":0.06853370368480682},{"text":"No.","start":3327.72,"end":3328.065,"sentiment":"negative","sentiment_score":-0.38807088136672974}],"sentiment":"neutral","sentiment_score":0.22721621837164904,"num_words":37,"start":3307.875,"end":3328.065},{"sentences":[{"text":"And no.","start":3328.385,"end":3328.785,"sentiment":"negative","sentiment_score":-0.4049638956785202},{"text":"This just gives us an idea of your tolerance to risk.","start":3328.785,"end":3333.265,"sentiment":"neutral","sentiment_score":-0.2829239910299128},{"text":"So, I mean, I think yeah.","start":3333.265,"end":3336.4849,"sentiment":"neutral","sentiment_score":-0.10761764893929164},{"text":"Of course, we can.","start":3338.865,"end":3340.005,"sentiment":"neutral","sentiment_score":0.20382468774914742},{"text":"Yeah.","start":3353.12,"end":3353.62,"sentiment":"neutral","sentiment_score":0.09836743772029875}],"sentiment":"neutral","sentiment_score":-0.15225547490020594,"num_words":24,"start":3328.385,"end":3353.62},{"sentences":[{"text":"Okay.","start":3354.0,"end":3354.5,"sentiment":"neutral","sentiment_score":0.058191005140542984},{"text":"That's a Yes.","start":3354.56,"end":3362.915,"sentiment":"neutral","sentiment_score":-0.013786308467388153},{"text":"Yeah.","start":3366.0151,"end":3366.5151,"sentiment":"neutral","sentiment_score":-0.08047515153884888},{"text":"That's correct.","start":3368.91,"end":3369.89,"sentiment":"neutral","sentiment_score":0.1015094667673111},{"text":"Yeah.","start":3369.95,"end":3370.19,"sentiment":"neutral","sentiment_score":0.2544153928756714}],"sentiment":"neutral","sentiment_score":0.0492239068262279,"num_words":8,"start":3354.0,"end":3370.19},{"sentences":[{"text":"And what you're saying makes sense.","start":3370.19,"end":3371.55,"sentiment":"neutral","sentiment_score":0.29051774243513745},{"text":"So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with.","start":3371.55,"end":3384.975,"sentiment":"neutral","sentiment_score":0.04472761150709419},{"text":"So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach.","start":3385.5151,"end":3400.54,"sentiment":"neutral","sentiment_score":0.17292475641558044},{"text":"Yep.","start":3407.16,"end":3407.415,"sentiment":"neutral","sentiment_score":-0.017567863687872887},{"text":"Yep.","start":3411.895,"end":3412.395,"sentiment":"neutral","sentiment_score":-0.002381035592406988}],"sentiment":"neutral","sentiment_score":0.11480433251604102,"num_words":89,"start":3370.19,"end":3412.395},{"sentences":[{"text":"Mhmm.","start":3417.895,"end":3418.395,"sentiment":"neutral","sentiment_score":-0.0431739017367363},{"text":"Mhmm.","start":3431.58,"end":3431.66,"sentiment":"neutral","sentiment_score":0.033542200922966},{"text":"Mhmm.","start":3431.66,"end":3431.82,"sentiment":"neutral","sentiment_score":0.05736638605594635},{"text":"Yes.","start":3431.82,"end":3432.32,"sentiment":"neutral","sentiment_score":0.15610870718955994},{"text":"Yep.","start":3432.46,"end":3432.96,"sentiment":"neutral","sentiment_score":0.192897230386734}],"sentiment":"neutral","sentiment_score":0.079348124563694,"num_words":5,"start":3417.895,"end":3432.96},{"sentences":[{"text":"Yeah.","start":3433.415,"end":3433.7349,"sentiment":"neutral","sentiment_score":0.22089779376983645},{"text":"And and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well.","start":3433.7349,"end":3443.335,"sentiment":"neutral","sentiment_score":0.19590507594473433},{"text":"So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature.","start":3443.335,"end":3456.28,"sentiment":"neutral","sentiment_score":-0.07109573581501057},{"text":"So that so that's the thing we will look at.","start":3456.98,"end":3461.105,"sentiment":"neutral","sentiment_score":0.07363028712570667},{"text":"Yes.","start":3461.245,"end":3461.745,"sentiment":"neutral","sentiment_score":0.081497922539711}],"sentiment":"neutral","sentiment_score":0.05785455581653549,"num_words":83,"start":3433.415,"end":3461.745},{"sentences":[{"text":"Yeah.","start":3463.245,"end":3463.745,"sentiment":"neutral","sentiment_score":0.04326202720403671},{"text":"Yeah.","start":3465.165,"end":3465.485,"sentiment":"neutral","sentiment_score":0.12156926095485689},{"text":"Exactly.","start":3465.485,"end":3465.985,"sentiment":"neutral","sentiment_score":0.1734008640050888},{"text":"So the okay.","start":3466.285,"end":3468.845,"sentiment":"neutral","sentiment_score":0.18554813166459402},{"text":"So we'll look at those things.","start":3468.845,"end":3470.305,"sentiment":"positive","sentiment_score":0.3860296308994293}],"sentiment":"neutral","sentiment_score":0.26758786104619503,"num_words":12,"start":3463.245,"end":3470.305},{"sentences":[{"text":"And have your investments optimistic about future investments.","start":3471.325,"end":3480.47,"sentiment":"positive","sentiment_score":0.4390662610530853},{"text":"Two, cautious and no further investments planned.","start":3481.33,"end":3484.71,"sentiment":"neutral","sentiment_score":-0.09240432562572616},{"text":"Three, concerned.","start":3484.93,"end":3485.91,"sentiment":"neutral","sentiment_score":-0.053898854181170464},{"text":"Four, highly anxious and seeking advice.","start":3486.05,"end":3487.0457,"sentiment":"neutral","sentiment_score":-0.18808945640921593},{"text":"Five, seeking to maintain a loss free advice.","start":3487.0457,"end":3488.675,"sentiment":"neutral","sentiment_score":-0.14139804989099503}],"sentiment":"neutral","sentiment_score":0.01607035364835493,"num_words":31,"start":3471.325,"end":3488.675},{"sentences":[{"text":"Five, seeking to maintain a loss free record.","start":3489.2952,"end":3492.355,"sentiment":"neutral","sentiment_score":-0.09209211636334658},{"text":"Yep.","start":3496.495,"end":3496.995,"sentiment":"neutral","sentiment_score":-0.11282013356685638},{"text":"Yep.","start":3501.0,"end":3501.4,"sentiment":"neutral","sentiment_score":-0.2077273577451706},{"text":"Yep.","start":3501.4,"end":3501.9,"sentiment":"neutral","sentiment_score":-0.16983240842819214},{"text":"Yeah.","start":3503.72,"end":3504.22,"sentiment":"neutral","sentiment_score":-0.09290215373039246}],"sentiment":"neutral","sentiment_score":-0.11000158203144868,"num_words":12,"start":3489.2952,"end":3504.22},{"sentences":[{"text":"Yep.","start":3504.68,"end":3505.18,"sentiment":"neutral","sentiment_score":-0.11137987673282625},{"text":"Yep.","start":3510.92,"end":3511.42,"sentiment":"neutral","sentiment_score":-0.04133689031004906},{"text":"Okay.","start":3511.6401,"end":3512.1401,"sentiment":"neutral","sentiment_score":-0.04729731380939483},{"text":"Mhmm.","start":3522.4548,"end":3522.9548,"sentiment":"neutral","sentiment_score":-0.03542792797088623},{"text":"Yep.","start":3524.135,"end":3524.635,"sentiment":"neutral","sentiment_score":-0.011082886718213558}],"sentiment":"neutral","sentiment_score":-0.049304979108273986,"num_words":5,"start":3504.68,"end":3524.635},{"sentences":[{"text":"Yep.","start":3524.775,"end":3525.09,"sentiment":"neutral","sentiment_score":-0.02212132327258587},{"text":"Yeah.","start":3532.9302,"end":3533.4302,"sentiment":"neutral","sentiment_score":-0.0683697909116745},{"text":"I love that saying.","start":3536.4502,"end":3537.33,"sentiment":"neutral","sentiment_score":0.23494457826018333},{"text":"I say that all the time.","start":3537.33,"end":3539.9849,"sentiment":"neutral","sentiment_score":0.1702396608889103},{"text":"I understand what you're saying.","start":3539.9849,"end":3541.425,"sentiment":"neutral","sentiment_score":0.11099026799201965}],"sentiment":"neutral","sentiment_score":0.14268685318529606,"num_words":17,"start":3524.775,"end":3541.425},{"sentences":[{"text":"Beautiful.","start":3541.425,"end":3541.925,"sentiment":"positive","sentiment_score":0.365431934595108},{"text":"And the last question here is, have you ever thought about taking out a loan to invest?","start":3542.705,"end":3546.645,"sentiment":"neutral","sentiment_score":0.059445004800663274},{"text":"Alright.","start":3550.385,"end":3550.885,"sentiment":"neutral","sentiment_score":0.13897553086280823},{"text":"Beautiful.","start":3550.945,"end":3551.445,"sentiment":"neutral","sentiment_score":0.28735560178756714},{"text":"So you're still coming out as a growth investor.","start":3552.11,"end":3554.21,"sentiment":"neutral","sentiment_score":0.2660861677593655}],"sentiment":"neutral","sentiment_score":0.14472771236865684,"num_words":29,"start":3541.425,"end":3554.21},{"sentences":[{"text":"I think that so that's what you're you're invested in now.","start":3556.11,"end":3559.49,"sentiment":"neutral","sentiment_score":0.20133218575607648},{"text":"What I will do is part of my research is when I get your rundown from PSS is, like, take that into consideration as well, what the asset allocation is there when we're doing a little bit of research.","start":3560.03,"end":3572.145,"sentiment":"neutral","sentiment_score":0.14172752258869317},{"text":"And just make sure that it it's got an appropriate you've got an appropriate exposure to your gross assets whilst also taking a core not a cautious, but a realistic approach to defensive assets as well given your your thoughts on your age and proximity to to retirement.","start":3572.685,"end":3599.055,"sentiment":"neutral","sentiment_score":0.12840264049979547},{"text":"Is that is that okay?","start":3602.555,"end":3604.095,"sentiment":"neutral","sentiment_score":0.15608379244804382},{"text":"Yep.","start":3605.915,"end":3606.415,"sentiment":"neutral","sentiment_score":0.14496314525604248}],"sentiment":"neutral","sentiment_score":0.14260323342079154,"num_words":104,"start":3556.11,"end":3606.415},{"sentences":[{"text":"The next document on the that pack that was sent through to you is the 2025 Vanguard index chart.","start":3607.755,"end":3614.3901,"sentiment":"neutral","sentiment_score":0.0748927665776328},{"text":"That probably talks a little bit and gives you a little bit of a visual of what we've just gone through.","start":3614.61,"end":3619.4302,"sentiment":"neutral","sentiment_score":0.08792664536408015},{"text":"Is that the document that you have?","start":3619.8901,"end":3621.525,"sentiment":"neutral","sentiment_score":0.03863125800022057},{"text":"Yep.","start":3622.805,"end":3623.305,"sentiment":"neutral","sentiment_score":0.04305004328489304},{"text":"So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the page, they're the growth they're the growth assets that we're we're talking about.","start":3623.605,"end":3638.66,"sentiment":"neutral","sentiment_score":0.04075993200469958}],"sentiment":"neutral","sentiment_score":0.059671725384717766,"num_words":86,"start":3607.755,"end":3638.66},{"sentences":[{"text":"So they're the ones that you would when looking at the graph, you'll see a fair bit more volatility in.","start":3638.66,"end":3643.48,"sentiment":"neutral","sentiment_score":0.017168570216745137},{"text":"There there are growth and income producing assets, whereas the ones below, strained bonds, cash, and CPI, there are defensive assets.","start":3645.78,"end":3656.435,"sentiment":"neutral","sentiment_score":0.0305985544941255},{"text":"Although depending on how the market reacts, they do provide a little bit of growth over time, but they're typically income producing assets where it creates that defensive part of the portfolio for you.","start":3656.8152,"end":3670.84,"sentiment":"neutral","sentiment_score":0.06937042415580329},{"text":"Do you have any questions about that or how the Sorry.","start":3673.54,"end":3683.105,"sentiment":"neutral","sentiment_score":-0.007928041487254879},{"text":"No.","start":3683.485,"end":3683.725,"sentiment":"neutral","sentiment_score":-0.1452731490135193}],"sentiment":"neutral","sentiment_score":0.035770734076270426,"num_words":87,"start":3638.66,"end":3683.725},{"sentences":[{"text":"That's okay.","start":3683.725,"end":3684.445,"sentiment":"neutral","sentiment_score":-0.08280438557267189},{"text":"I'm gonna check this headset when our when our time is up.","start":3684.445,"end":3688.705,"sentiment":"neutral","sentiment_score":-0.01937971931571762},{"text":"Yeah.","start":3691.9802,"end":3692.4802,"sentiment":"neutral","sentiment_score":0.008243167772889137},{"text":"It's 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with.","start":3748.105,"end":3753.1301,"sentiment":"neutral","sentiment_score":0.06143385575463375}],"sentiment":"neutral","sentiment_score":0.05808102018199861,"num_words":40,"start":3730.7898,"end":3753.1301},{"sentences":[{"text":"It just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier.","start":3753.27,"end":3767.2651,"sentiment":"neutral","sentiment_score":0.043856230028199425},{"text":"The next yeah.","start":3769.965,"end":3771.905,"sentiment":"neutral","sentiment_score":0.019403888533512752},{"text":"Any questions on that one?","start":3772.125,"end":3773.665,"sentiment":"neutral","sentiment_score":0.010627100616693497},{"text":"No?","start":3776.2852,"end":3776.7852,"sentiment":"neutral","sentiment_score":-0.15803605318069458},{"text":"No.","start":3777.485,"end":3777.985,"sentiment":"neutral","sentiment_score":-0.1928025782108307}],"sentiment":"neutral","sentiment_score":0.028087537865652594,"num_words":43,"start":3753.27,"end":3777.985},{"sentences":[{"text":"Okay.","start":3778.125,"end":3778.625,"sentiment":"neutral","sentiment_score":-0.018302366137504578},{"text":"And you're happy with yeah.","start":3779.12,"end":3785.86,"sentiment":"neutral","sentiment_score":0.1697663590312004},{"text":"I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you.","start":3789.52,"end":3802.145,"sentiment":"neutral","sentiment_score":0.15364596551215207},{"text":"Would you like me to do that?","start":3805.07,"end":3809.1,"sentiment":"neutral","sentiment_score":0.011989373447639602},{"text":"Yeah.","start":3817.1648,"end":3817.4849,"sentiment":"neutral","sentiment_score":-0.007829688489437103}],"sentiment":"neutral","sentiment_score":0.12329430301196692,"num_words":41,"start":3778.125,"end":3817.4849},{"sentences":[{"text":"There are there is some stamp duty on some of it.","start":3817.4849,"end":3820.785,"sentiment":"neutral","sentiment_score":-0.022044908594001423},{"text":"Oh, you've you've got the stamp duty there.","start":3821.9648,"end":3823.805,"sentiment":"neutral","sentiment_score":-0.004023222718387842},{"text":"Beautiful.","start":3823.805,"end":3824.285,"sentiment":"neutral","sentiment_score":0.269199013710022},{"text":"Yep.","start":3824.285,"end":3824.525,"sentiment":"neutral","sentiment_score":0.13514553010463717},{"text":"So because that's just on your 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7.","start":3836.46,"end":3839.28,"sentiment":"neutral","sentiment_score":0.03314589602606637},{"text":"So you're looking at about $1,800 a year for your income protection, including stamp duty.","start":3839.66,"end":3845.385,"sentiment":"neutral","sentiment_score":0.031998607764641446},{"text":"The next document is your FSG.","start":3850.325,"end":3852.585,"sentiment":"neutral","sentiment_score":0.03410856487850348},{"text":"So well, our FSG, I should say.","start":3853.045,"end":3855.69,"sentiment":"neutral","sentiment_score":0.048304423689842224},{"text":"What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC.","start":3855.93,"end":3868.75,"sentiment":"neutral","sentiment_score":0.0448102605342865}],"sentiment":"neutral","sentiment_score":0.03958398761848609,"num_words":60,"start":3836.46,"end":3868.75},{"sentences":[{"text":"And it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed.","start":3870.125,"end":3882.145,"sentiment":"neutral","sentiment_score":0.018788013172646365},{"text":"So that is an an information document, really, for yourself.","start":3883.805,"end":3887.6401,"sentiment":"neutral","sentiment_score":0.07699132785201072},{"text":"Did you have any questions about that?","start":3889.3801,"end":3891.24,"sentiment":"neutral","sentiment_score":0.02096239530614444},{"text":"No?","start":3892.6602,"end":3893.1602,"sentiment":"neutral","sentiment_score":-0.12155524641275406},{"text":"Beautiful.","start":3893.9402,"end":3894.4402,"sentiment":"neutral","sentiment_score":0.23761644959449768}],"sentiment":"neutral","sentiment_score":0.032578604980086794,"num_words":49,"start":3870.125,"end":3894.4402},{"sentences":[{"text":"The last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you.","start":3895.06,"end":3908.615,"sentiment":"neutral","sentiment_score":-0.0718069682198186},{"text":"But what this is is it's your annual fees.","start":3909.155,"end":3914.5352,"sentiment":"neutral","sentiment_score":-0.04545490278138055},{"text":"So this is what is paid through from your hub twenty four for your superannuation advice and the services that we provide to you.","start":3914.595,"end":3924.48,"sentiment":"neutral","sentiment_score":0.220559887898465},{"text":"So you're not limited on the number of reviews that you have per annum.","start":3924.48,"end":3929.78,"sentiment":"neutral","sentiment_score":0.23582312358277185},{"text":"You can phone us at any time.","start":3929.9202,"end":3931.78,"sentiment":"neutral","sentiment_score":0.2728970838444574}],"sentiment":"neutral","sentiment_score":0.09258977043278077,"num_words":85,"start":3895.06,"end":3931.78},{"sentences":[{"text":"If you have questions, you need advice on 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okay.","start":3958.6401,"end":3959.2,"sentiment":"neutral","sentiment_score":0.30244405567646027},{"text":"That that's so that document there, I will get with that allows us to keep your tax file number on record.","start":3959.2,"end":3966.2751,"sentiment":"neutral","sentiment_score":0.3315963510956083},{"text":"It's the only document that we do.","start":3966.2751,"end":3968.215,"sentiment":"neutral","sentiment_score":0.25377062814576284},{"text":"And the reason why is because we provide it to the hub twenty four.","start":3968.435,"end":3975.235,"sentiment":"neutral","sentiment_score":0.21472905789102828}],"sentiment":"neutral","sentiment_score":0.2786170406474007,"num_words":45,"start":3958.32,"end":3975.235},{"sentences":[{"text":"So being that we're approved to hold that on file for you, if we don't, hub twenty four, your super fund will be taxed at a higher tax rate, so it's beneficial too.","start":3975.235,"end":3986.47,"sentiment":"neutral","sentiment_score":0.16977560339551984},{"text":"No.","start":3986.85,"end":3987.35,"sentiment":"neutral","sentiment_score":-0.12482874095439912},{"text":"So that's why we get you to sign that, and that just lets us know that you have approved that on our our end.","start":3988.065,"end":3999.045,"sentiment":"neutral","sentiment_score":0.06978676926034193},{"text":"So the fee based on so that's so then I'll get you to jump over to the next one, which is the ongoing fee arrangement.","start":4000.32,"end":4008.9001,"sentiment":"neutral","sentiment_score":0.09799702256917954},{"text":"You can do it at the end if you like.","start":4016.265,"end":4018.365,"sentiment":"neutral","sentiment_score":0.08021240159869195}],"sentiment":"neutral","sentiment_score":0.11187847541464914,"num_words":93,"start":3975.235,"end":4018.365},{"sentences":[{"text":"I believe oh, okay.","start":4018.9849,"end":4022.105,"sentiment":"neutral","sentiment_score":0.021453481633216143},{"text":"Yep.","start":4022.105,"end":4022.505,"sentiment":"neutral","sentiment_score":0.042266204953193665},{"text":"Maybe sign that.","start":4022.505,"end":4023.4648,"sentiment":"neutral","sentiment_score":0.015596048906445503},{"text":"Yeah.","start":4023.4648,"end":4023.7048,"sentiment":"neutral","sentiment_score":0.02791185118257999},{"text":"Definitely.","start":4023.7048,"end":4024.2048,"sentiment":"neutral","sentiment_score":-0.0023864395916461945}],"sentiment":"neutral","sentiment_score":0.020039368979632856,"num_words":10,"start":4018.9849,"end":4024.2048},{"sentences":[{"text":"Yes.","start":4041.56,"end":4041.765,"sentiment":"neutral","sentiment_score":-0.11058825254440308},{"text":"Yes.","start":4043.605,"end":4044.105,"sentiment":"neutral","sentiment_score":-0.09383422136306764},{"text":"Yeah.","start":4048.005,"end":4048.505,"sentiment":"neutral","sentiment_score":-0.015708960592746735},{"text":"UdoSign is a software that we use, so that's legitimate.","start":4048.565,"end":4051.4648,"sentiment":"neutral","sentiment_score":-0.0098537540063262},{"text":"Oh, okay.","start":4056.885,"end":4060.0,"sentiment":"neutral","sentiment_score":-0.24564502388238907}],"sentiment":"neutral","sentiment_score":-0.053997268155217173,"num_words":15,"start":4041.56,"end":4060.0},{"sentences":[{"text":"No.","start":4060.62,"end":4060.86,"sentiment":"neutral","sentiment_score":-0.11156278848648073},{"text":"That's okay.","start":4060.86,"end":4061.92,"sentiment":"neutral","sentiment_score":0.04865560680627823},{"text":"I think you can even just type your name in, but you can do a post doc call.","start":4062.86,"end":4066.54,"sentiment":"neutral","sentiment_score":0.11999476245707935},{"text":"There's no urgency.","start":4066.54,"end":4067.68,"sentiment":"neutral","sentiment_score":0.07158984088649352},{"text":"Whitlam has also sent through the new updated consent fee.","start":4071.26,"end":4080.395,"sentiment":"neutral","sentiment_score":0.017817592434585094}],"sentiment":"neutral","sentiment_score":0.07466469401055399,"num_words":34,"start":4060.62,"end":4080.395},{"sentences":[{"text":"So that's gonna be in a separate email, but I'll just talk to you as in it's this one.","start":4080.7751,"end":4090.21,"sentiment":"neutral","sentiment_score":0.03534598864222828},{"text":"What I might do is get you to jump out of those emails, if that's okay, and then go to the new one that's showing on from OdooSign.","start":4090.21,"end":4097.43,"sentiment":"neutral","sentiment_score":0.07694242322551352},{"text":"It should be at the top of your inbox.","start":4097.49,"end":4103.925,"sentiment":"neutral","sentiment_score":0.08165550314717823},{"text":"Yes.","start":4104.625,"end":4105.125,"sentiment":"neutral","sentiment_score":0.04853735864162445},{"text":"Yeah.","start":4105.905,"end":4106.2246,"sentiment":"neutral","sentiment_score":0.08111143112182617}],"sentiment":"neutral","sentiment_score":0.06362948194146156,"num_words":58,"start":4080.7751,"end":4106.2246},{"sentences":[{"text":"Yep.","start":4106.2246,"end":4106.545,"sentiment":"neutral","sentiment_score":0.08137138932943344},{"text":"So if you open that one, it'll be the last document of that pack.","start":4106.545,"end":4120.5664,"sentiment":"neutral","sentiment_score":-0.01273688261530229},{"text":"Sorry.","start":4121.4,"end":4121.9,"sentiment":"neutral","sentiment_score":-0.0184125117957592},{"text":"And now I just I wanna make sure that I'm giving you the right information, So I don't wanna give you the wrong information.","start":4125.56,"end":4131.645,"sentiment":"neutral","sentiment_score":-0.1708267210633494},{"text":"That's okay.","start":4139.3047,"end":4140.205,"sentiment":"neutral","sentiment_score":-0.048310715705156326}],"sentiment":"neutral","sentiment_score":-0.1026623860955061,"num_words":42,"start":4106.2246,"end":4140.205},{"sentences":[{"text":"It's always the way.","start":4140.585,"end":4141.56,"sentiment":"neutral","sentiment_score":0.034801543690264225},{"text":"Jenna.","start":4147.48,"end":4147.98,"sentiment":"neutral","sentiment_score":-0.013329505920410156},{"text":"No.","start":4148.44,"end":4148.68,"sentiment":"neutral","sentiment_score":-0.05647414177656174},{"text":"I'm Jenna.","start":4148.68,"end":4149.42,"sentiment":"neutral","sentiment_score":-0.02839871123433113},{"text":"Yeah.","start":4149.88,"end":4150.38,"sentiment":"neutral","sentiment_score":-0.01559016201645136}],"sentiment":"neutral","sentiment_score":-0.0003316730467809573,"num_words":9,"start":4140.585,"end":4150.38},{"sentences":[{"text":"Yeah.","start":4151.0,"end":4151.4,"sentiment":"neutral","sentiment_score":-0.016465434804558754},{"text":"I'm taking should be oh, not in the FSG at the moment.","start":4151.4,"end":4158.785,"sentiment":"neutral","sentiment_score":-0.058883716662724815},{"text":"I'm I'm actually starting to take over from Veronica while she's on maternity leave.","start":4158.785,"end":4164.885,"sentiment":"neutral","sentiment_score":-0.03073369325803859},{"text":"So, yeah, not at it should be.","start":4165.425,"end":4167.685,"sentiment":"neutral","sentiment_score":-0.08254240240369524},{"text":"I'd have to double check with it one moment.","start":4169.105,"end":4171.34,"sentiment":"neutral","sentiment_score":-0.08198379062943989}],"sentiment":"neutral","sentiment_score":-0.05741843425257261,"num_words":43,"start":4151.0,"end":4171.34},{"sentences":[{"text":"Yeah.","start":4179.08,"end":4179.56,"sentiment":"neutral","sentiment_score":0.02222514897584915},{"text":"It should be the last document.","start":4179.56,"end":4181.5,"sentiment":"neutral","sentiment_score":0.02387456300978859},{"text":"Yes.","start":4190.215,"end":4190.615,"sentiment":"neutral","sentiment_score":0.2194390594959259},{"text":"Beautiful.","start":4190.615,"end":4191.095,"sentiment":"positive","sentiment_score":0.3776068091392517},{"text":"That's it.","start":4191.095,"end":4191.575,"sentiment":"neutral","sentiment_score":0.23488309234380722}],"sentiment":"neutral","sentiment_score":0.11202587094157934,"num_words":11,"start":4179.08,"end":4191.575},{"sentences":[{"text":"So these are the documents we'll get you to sign rather than the ones they're all the all the other documents are the same previously.","start":4191.575,"end":4197.195,"sentiment":"neutral","sentiment_score":0.0962405487895012},{"text":"It's just this one that's a little bit different.","start":4197.255,"end":4199.2603,"sentiment":"neutral","sentiment_score":0.024626682615942426},{"text":"And it it's just a it's you signing off that you wish to continue being a client of Oakview, and it is a flat fee.","start":4199.8003,"end":4209.48,"sentiment":"neutral","sentiment_score":0.10713424548506736},{"text":"So you'll see the estimated fee amount below the below the little table.","start":4209.48,"end":4215.435,"sentiment":"neutral","sentiment_score":0.049440173575511344},{"text":"What that is is a flat fee.","start":4215.895,"end":4217.655,"sentiment":"neutral","sentiment_score":0.012719561611967427}],"sentiment":"neutral","sentiment_score":0.0764274580781407,"num_words":79,"start":4191.575,"end":4217.655},{"sentences":[{"text":"Previously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee.","start":4217.655,"end":4229.1,"sentiment":"neutral","sentiment_score":-0.028258293921894887},{"text":"Previously, it'd be a percent fee.","start":4229.32,"end":4230.76,"sentiment":"neutral","sentiment_score":-0.04347577318549156},{"text":"So depending on how the market was performing, you know, if the market was performing well, your monthly fee would be a little bit higher.","start":4230.76,"end":4237.7397,"sentiment":"neutral","sentiment_score":-0.07147960141301155},{"text":"We've changed our fee process to be a flat fee, so that gives clients a fixed term and understanding every single month of what that fee will be that's deducted from their hub twenty four account or their personal account depending on what way they wish to proceed.","start":4238.275,"end":4256.8696,"sentiment":"neutral","sentiment_score":0.06231483555166051},{"text":"So your sorry?","start":4257.4897,"end":4259.9897,"sentiment":"neutral","sentiment_score":-0.018747731111943722}],"sentiment":"neutral","sentiment_score":-0.0006358427124033714,"num_words":116,"start":4217.655,"end":4259.9897},{"sentences":[{"text":"Yep.","start":4267.265,"end":4267.765,"sentiment":"neutral","sentiment_score":0.04392292723059654},{"text":"Yep.","start":4267.905,"end":4268.405,"sentiment":"neutral","sentiment_score":0.04436026141047478},{"text":"So you yeah.","start":4268.465,"end":4270.085,"sentiment":"neutral","sentiment_score":0.03227800068755945},{"text":"That's correct.","start":4270.705,"end":4271.425,"sentiment":"neutral","sentiment_score":0.13095128536224365},{"text":"So if what that would mean is in your hub account, you would see a fee of $310.43 approximately because it's got the $33.03 per month, and that's a flat fee now instead of a previously being a percent based fee.","start":4271.425,"end":4288.455,"sentiment":"neutral","sentiment_score":0.08811621722288249}],"sentiment":"neutral","sentiment_score":0.08457884724096705,"num_words":48,"start":4267.265,"end":4288.455},{"sentences":[{"text":"So so that yeah.","start":4288.455,"end":4290.2153,"sentiment":"neutral","sentiment_score":0.14343809336423874},{"text":"That what what it means is that when your portfolio is performing well, that our monthly fee isn't gonna be higher.","start":4290.2153,"end":4297.335,"sentiment":"neutral","sentiment_score":0.18853900723514103},{"text":"It's just a set fee, and that's what it is.","start":4297.335,"end":4300.08,"sentiment":"neutral","sentiment_score":0.16386422142386436},{"text":"So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged.","start":4302.08,"end":4313.735,"sentiment":"neutral","sentiment_score":0.14549687098373065},{"text":"Yep.","start":4318.435,"end":4318.935,"sentiment":"neutral","sentiment_score":0.30050572752952576}],"sentiment":"neutral","sentiment_score":0.1633857421684956,"num_words":69,"start":4288.455,"end":4318.935},{"sentences":[{"text":"Beautiful.","start":4319.235,"end":4319.735,"sentiment":"positive","sentiment_score":0.5246068835258484},{"text":"It stays the same.","start":4323.635,"end":4325.0947,"sentiment":"neutral","sentiment_score":0.030733108520507812},{"text":"So, yeah, regardless on the ups and downs, our fees for the service, not the performance of your funds.","start":4325.155,"end":4334.69,"sentiment":"neutral","sentiment_score":0.0690018397412802},{"text":"So if you need to speak to me every month for the next twelve months, that's what you're paying for.","start":4334.75,"end":4341.665,"sentiment":"neutral","sentiment_score":0.16621031761169433},{"text":"I think I think it works out 310 roughly.","start":4344.845,"end":4348.545,"sentiment":"neutral","sentiment_score":0.14334257443745932}],"sentiment":"neutral","sentiment_score":0.12401629801628725,"num_words":53,"start":4319.235,"end":4348.545},{"sentences":[{"text":"So that will be and that's all very transparent in your hub account, so you'll be able to see that.","start":4349.005,"end":4355.9053,"sentiment":"positive","sentiment_score":0.3822990905493498},{"text":"And if there's ever any issues, you just give us a call.","start":4359.02,"end":4362.48,"sentiment":"neutral","sentiment_score":0.06591630137215058},{"text":"Beautiful.","start":4365.5,"end":4366.0,"sentiment":"positive","sentiment_score":0.7223249673843384},{"text":"So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son.","start":4367.66,"end":4375.395,"sentiment":"neutral","sentiment_score":0.1486246387163798},{"text":"So he's 19 years of age.","start":4375.855,"end":4378.915,"sentiment":"neutral","sentiment_score":0.03014426740507285}],"sentiment":"neutral","sentiment_score":0.20231868552439142,"num_words":66,"start":4349.005,"end":4378.915},{"sentences":[{"text":"You have your your defined benefit, your life insurance.","start":4380.5747,"end":4386.7803,"sentiment":"neutral","sentiment_score":0.04030135377413697},{"text":"So you have a fair bit of asset there that should anything happen to you, needs to pass seamlessly to your son.","start":4386.7803,"end":4396.8003,"sentiment":"neutral","sentiment_score":0.0831836387515068},{"text":"If you die without a will, things can be held up for quite a long time and make it very messy for him.","start":4398.255,"end":4405.875,"sentiment":"neutral","sentiment_score":-0.22459229502988898},{"text":"So we do always recommend that our clients look at establishing a will and an enduring power of attorney.","start":4407.215,"end":4413.25,"sentiment":"neutral","sentiment_score":0.06705320900992344},{"text":"What an enduring power of attorney is is it just allows someone to make decisions for you financially and from a health perspective at a certain time, and that could be if you were unable to make decisions for yourself.","start":4413.39,"end":4427.5146,"sentiment":"neutral","sentiment_score":0.08910707971081137}],"sentiment":"neutral","sentiment_score":0.01650817354366315,"num_words":113,"start":4380.5747,"end":4427.5146},{"sentences":[{"text":"It's all within a document, which a a lawyer would typically draw up for you and make sure that all bases are covered and that you can't be taken advantage of, not by your son, but by somebody else potentially.","start":4428.295,"end":4443.62,"sentiment":"neutral","sentiment_score":0.07564729852601886},{"text":"That's Mhmm.","start":4445.84,"end":4455.22,"sentiment":"neutral","sentiment_score":-0.008371349656954408},{"text":"Of course.","start":4455.28,"end":4455.895,"sentiment":"neutral","sentiment_score":-0.0012653842568397522},{"text":"And that's something that you you would discuss with the with the solicitor.","start":4455.895,"end":4462.395,"sentiment":"neutral","sentiment_score":-0.016037901487344734},{"text":"And it might be that you have two powers of attorney.","start":4463.495,"end":4467.7354,"sentiment":"neutral","sentiment_score":0.0021520297635685315}],"sentiment":"neutral","sentiment_score":0.0414970306070138,"num_words":68,"start":4428.295,"end":4467.7354},{"sentences":[{"text":"The first one being let's call them Fred.","start":4467.7354,"end":4471.92,"sentiment":"neutral","sentiment_score":0.019881904125213623},{"text":"And then if Fred's unable to act on your behalf, it might then be your son that's second.","start":4472.14,"end":4477.8403,"sentiment":"neutral","sentiment_score":-0.03454449503786034},{"text":"So you would have backup, But I think in that respect, we we we do have a professional partner that we work with.","start":4478.22,"end":4488.4546,"sentiment":"neutral","sentiment_score":0.018746332710851795},{"text":"Would you like me to send you through a brochure just for you to review that?","start":4488.4546,"end":4492.9546,"sentiment":"neutral","sentiment_score":0.07331893779337406},{"text":"And if you're happy, we can arrange for them to contact you.","start":4493.255,"end":4497.9897,"sentiment":"neutral","sentiment_score":0.09164227731525898}],"sentiment":"neutral","sentiment_score":0.029106887105803985,"num_words":77,"start":4467.7354,"end":4497.9897},{"sentences":[{"text":"Yes.","start":4503.8896,"end":4504.3896,"sentiment":"neutral","sentiment_score":-0.010358388535678388},{"text":"That is a lot.","start":4505.25,"end":4506.4697,"sentiment":"neutral","sentiment_score":-0.23947574570775032},{"text":"Yeah.","start":4508.69,"end":4509.19,"sentiment":"neutral","sentiment_score":-0.1019795387983322},{"text":"Yep.","start":4509.65,"end":4510.15,"sentiment":"neutral","sentiment_score":-0.038662560284137726},{"text":"Yeah.","start":4511.73,"end":4512.105,"sentiment":"neutral","sentiment_score":-0.031631648540496826}],"sentiment":"neutral","sentiment_score":-0.1425668898737058,"num_words":8,"start":4503.8896,"end":4512.105},{"sentences":[{"text":"Yes.","start":4515.705,"end":4516.205,"sentiment":"neutral","sentiment_score":0.003124050796031952},{"text":"Yep.","start":4516.425,"end":4516.925,"sentiment":"neutral","sentiment_score":-0.0013719690032303331},{"text":"Yes.","start":4520.905,"end":4521.405,"sentiment":"neutral","sentiment_score":0.01492377184331417},{"text":"Of course.","start":4521.465,"end":4522.205,"sentiment":"neutral","sentiment_score":-0.09404240921139717},{"text":"Yeah.","start":4524.985,"end":4525.485,"sentiment":"neutral","sentiment_score":-0.03502298519015312}],"sentiment":"neutral","sentiment_score":-0.03440532499613861,"num_words":6,"start":4515.705,"end":4525.485},{"sentences":[{"text":"Yep.","start":4525.705,"end":4526.205,"sentiment":"neutral","sentiment_score":-0.028438463807106015},{"text":"Yep.","start":4526.585,"end":4527.085,"sentiment":"neutral","sentiment_score":0.01004198007285595},{"text":"I will send that through to you because the other item that flagged it for me was if you don't have any beneficiary nominations on your life policy with Cal or through your super fund.","start":4527.6,"end":4538.98,"sentiment":"neutral","sentiment_score":0.003781673471842493},{"text":"So at the moment, that what that means is, basically, the trustees will decide where that goes, and more than likely, that will be to gain, being your your kin.","start":4539.1997,"end":4551.895,"sentiment":"neutral","sentiment_score":0.031105433342357477},{"text":"However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will.","start":4552.515,"end":4569.15,"sentiment":"neutral","sentiment_score":-0.03549993503161944}],"sentiment":"neutral","sentiment_score":-0.004357928348260678,"num_words":110,"start":4525.705,"end":4569.15},{"sentences":[{"text":"So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts.","start":4569.4653,"end":4579.805,"sentiment":"neutral","sentiment_score":0.05584716823484216},{"text":"So it's probably something that we do need to look at, and we can have a look at those.","start":4580.105,"end":4584.14,"sentiment":"neutral","sentiment_score":-0.00015191694623545597},{"text":"I'll send you through the brochure, but we'll also look at that in my research also.","start":4584.3604,"end":4588.8604,"sentiment":"neutral","sentiment_score":0.03421129973139614},{"text":"Absolutely.","start":4595.125,"end":4595.625,"sentiment":"neutral","sentiment_score":-0.008063207380473614},{"text":"No.","start":4596.565,"end":4596.9653,"sentiment":"neutral","sentiment_score":-0.13692617416381836}],"sentiment":"neutral","sentiment_score":0.03020347235007928,"num_words":65,"start":4569.4653,"end":4596.9653},{"sentences":[{"text":"Absolutely.","start":4596.9653,"end":4597.4653,"sentiment":"neutral","sentiment_score":-0.12028786540031432},{"text":"Absolutely.","start":4598.565,"end":4599.065,"sentiment":"neutral","sentiment_score":0.03643584996461868},{"text":"Yep.","start":4600.725,"end":4601.225,"sentiment":"neutral","sentiment_score":0.2627411484718323},{"text":"Yep.","start":4601.845,"end":4602.245,"sentiment":"neutral","sentiment_score":0.19128629565238953},{"text":"So we'll send that through to you.","start":4602.245,"end":4603.605,"sentiment":"neutral","sentiment_score":0.1704751274415425}],"sentiment":"neutral","sentiment_score":0.14213648370721124,"num_words":11,"start":4596.9653,"end":4603.605},{"sentences":[{"text":"And my understanding is I haven't seen it as yet, but it gives you an idea of costs and everything.","start":4603.605,"end":4610.36,"sentiment":"neutral","sentiment_score":0.03726089913398027},{"text":"So I believe they're actually quite affordable, to be honest with you.","start":4610.5796,"end":4614.6797,"sentiment":"positive","sentiment_score":0.3514341438810031},{"text":"I should probably get my eyes on that.","start":4615.2197,"end":4617.3,"sentiment":"neutral","sentiment_score":0.2525347210466862},{"text":"I've I've only just started in the last few weeks.","start":4617.3,"end":4619.38,"sentiment":"neutral","sentiment_score":0.0974934808909893},{"text":"I'm still looking at things.","start":4619.38,"end":4621.185,"sentiment":"neutral","sentiment_score":0.08036279827356338}],"sentiment":"neutral","sentiment_score":0.15199007778005166,"num_words":55,"start":4603.605,"end":4621.185},{"sentences":[{"text":"But in saying that also, I've been an adviser for a really long time.","start":4621.965,"end":4626.045,"sentiment":"neutral","sentiment_score":0.1281745433807373},{"text":"So, hopefully, that provides you with some comfort as well.","start":4626.045,"end":4633.185,"sentiment":"positive","sentiment_score":0.39673093557357786},{"text":"So yeah.","start":4633.98,"end":4645.12,"sentiment":"neutral","sentiment_score":0.07045494019985199},{"text":"No.","start":4645.34,"end":4645.58,"sentiment":"neutral","sentiment_score":-0.20654623210430145},{"text":"We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of.","start":4645.58,"end":4653.435,"sentiment":"neutral","sentiment_score":0.08604182827251929}],"sentiment":"neutral","sentiment_score":0.1485045550873986,"num_words":54,"start":4621.965,"end":4653.435},{"sentences":[{"text":"Alright.","start":4655.255,"end":4655.755,"sentiment":"positive","sentiment_score":0.3799668252468109},{"text":"So I guess any questions from your end?","start":4655.815,"end":4659.42,"sentiment":"neutral","sentiment_score":0.17078131902962923},{"text":"Beautiful.","start":4663.82,"end":4664.32,"sentiment":"positive","sentiment_score":0.7463005185127258},{"text":"That's what I like to hear.","start":4664.78,"end":4666.2397,"sentiment":"positive","sentiment_score":0.6074685951073965},{"text":"What I'm gonna do is I'm going to go away and do some research on a lot of the things that we have talked about.","start":4667.58,"end":4675.1997,"sentiment":"neutral","sentiment_score":0.22421984910964965}],"sentiment":"neutral","sentiment_score":0.2864103827898095,"num_words":41,"start":4655.255,"end":4675.1997},{"sentences":[{"text":"If there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you.","start":4676.275,"end":4685.075,"sentiment":"neutral","sentiment_score":0.1463481730222702},{"text":"But I am gonna hold off a little bit until we understand next week what your income actually looks like.","start":4685.075,"end":4694.7197,"sentiment":"neutral","sentiment_score":-0.060311877727508546},{"text":"Sorry?","start":4697.34,"end":4697.84,"sentiment":"neutral","sentiment_score":-0.1304033100605011},{"text":"Yeah.","start":4699.5,"end":4699.82,"sentiment":"neutral","sentiment_score":-0.061785876750946045},{"text":"Yeah.","start":4699.82,"end":4700.06,"sentiment":"neutral","sentiment_score":-0.024110333994030952}],"sentiment":"neutral","sentiment_score":0.04658681771252304,"num_words":48,"start":4676.275,"end":4700.06},{"sentences":[{"text":"Yeah.","start":4700.06,"end":4700.3,"sentiment":"neutral","sentiment_score":0.07675290107727051},{"text":"Definitely.","start":4700.3,"end":4700.78,"sentiment":"neutral","sentiment_score":0.21468845009803772},{"text":"If you're comfortable doing that, that's just going that's just to make sure you're happy to continue proceeding with us.","start":4700.78,"end":4706.705,"sentiment":"neutral","sentiment_score":0.17902351394295693},{"text":"That's absolutely fine.","start":4706.705,"end":4708.085,"sentiment":"positive","sentiment_score":0.4125088353951772},{"text":"I would ask if you're happy to and you're comfortable to sign that.","start":4708.865,"end":4712.065,"sentiment":"neutral","sentiment_score":0.20485914441255423}],"sentiment":"neutral","sentiment_score":0.2045422898311364,"num_words":38,"start":4700.06,"end":4712.065},{"sentences":[{"text":"This is just my action items that I'm gonna go and review your portfolio.","start":4712.065,"end":4716.085,"sentiment":"neutral","sentiment_score":0.13506359500544413},{"text":"So look at replacing, Bennelong and the bank hybrids we talked about, looking at your trauma insurance, waiting on your income amount to see if we look at increasing your income protection, those sorts of things.","start":4716.145,"end":4729.94,"sentiment":"neutral","sentiment_score":0.08068072475079033},{"text":"So there are more action items for me to make sure that I get back to you on.","start":4730.8,"end":4735.665,"sentiment":"neutral","sentiment_score":0.09037871369057232},{"text":"And if there is any advice that I need to provide to update a few things, I get on to that.","start":4737.965,"end":4753.49,"sentiment":"neutral","sentiment_score":0.06722452615698178},{"text":"That's okay.","start":4753.49,"end":4754.1304,"sentiment":"neutral","sentiment_score":0.026896373368799686}],"sentiment":"neutral","sentiment_score":0.08667825344581526,"num_words":91,"start":4712.065,"end":4754.1304},{"sentences":[{"text":"I'm gonna send, yeah, I'm gonna send you an email with those items, so that's fine.","start":4754.1304,"end":4758.7104,"sentiment":"neutral","sentiment_score":0.08719151350669563},{"text":"If you lose your piece of paper, I'm gonna send that through to you.","start":4759.315,"end":4762.115,"sentiment":"neutral","sentiment_score":-0.08928204700350761},{"text":"And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing.","start":4762.115,"end":4777.92,"sentiment":"neutral","sentiment_score":0.07912494405172765},{"text":"Beautiful.","start":4780.0596,"end":4780.5596,"sentiment":"positive","sentiment_score":0.6105643510818481},{"text":"So if you fantastic.","start":4780.86,"end":4783.28,"sentiment":"positive","sentiment_score":0.3966210335493088}],"sentiment":"neutral","sentiment_score":0.07397784768457873,"num_words":83,"start":4754.1304,"end":4783.28},{"sentences":[{"text":"Beautiful.","start":4783.905,"end":4784.405,"sentiment":"positive","sentiment_score":0.6934033632278442},{"text":"So if you fantastic.","start":4784.438,"end":4787.072,"sentiment":"positive","sentiment_score":0.608434796333313},{"text":"Yeah.","start":4787.105,"end":4787.3447,"sentiment":"neutral","sentiment_score":0.32670533657073975},{"text":"And if you've got if you've got any questions at all in the meantime, just give me a call, and we can go from there.","start":4787.3447,"end":4796.8647,"sentiment":"neutral","sentiment_score":0.18488387852907182},{"text":"But I'll I anticipate research process takes about three weeks to get everything back from the provider.","start":4796.8647,"end":4803.83,"sentiment":"neutral","sentiment_score":0.09028004789177109}],"sentiment":"neutral","sentiment_score":0.20022303463580707,"num_words":48,"start":4783.905,"end":4803.83},{"sentences":[{"text":"So I anticipate reaching out to you probably in about two, two and a half weeks time to book in a time that we can just run through.","start":4803.89,"end":4813.245,"sentiment":"neutral","sentiment_score":0.10555220980729375},{"text":"Fantastic.","start":4813.245,"end":4813.745,"sentiment":"positive","sentiment_score":0.5702317357063293},{"text":"Well, thank you so much for your time today, Carmen.","start":4814.205,"end":4816.3647,"sentiment":"positive","sentiment_score":0.5083392262458801},{"text":"I really do appreciate it.","start":4816.3647,"end":4819.825,"sentiment":"neutral","sentiment_score":0.09782008677721024},{"text":"No.","start":4820.125,"end":4820.205,"sentiment":"neutral","sentiment_score":0.01023971661925316}],"sentiment":"neutral","sentiment_score":0.20240946718388134,"num_words":45,"start":4803.89,"end":4820.205},{"sentences":[{"text":"You're welcome.","start":4820.205,"end":4820.845,"sentiment":"neutral","sentiment_score":0.10551629960536957},{"text":"And saw those electronic ones these days.","start":4820.845,"end":4828.46,"sentiment":"neutral","sentiment_score":0.010494740679860115},{"text":"Some of them accept, you know, you type in your name.","start":4828.46,"end":4831.1,"sentiment":"neutral","sentiment_score":0.0281578851017085},{"text":"Some of them want you to do a proper signature.","start":4831.1,"end":4833.02,"sentiment":"neutral","sentiment_score":0.001265847124159336},{"text":"It's all over the place.","start":4833.02,"end":4834.2397,"sentiment":"neutral","sentiment_score":0.0068562857806682585}],"sentiment":"neutral","sentiment_score":0.01831921200667109,"num_words":35,"start":4820.205,"end":4834.2397},{"sentences":[{"text":"Fantastic.","start":4847.655,"end":4847.815,"sentiment":"neutral","sentiment_score":0.2139194905757904},{"text":"Is this the second one?","start":4847.815,"end":4849.5146,"sentiment":"neutral","sentiment_score":0.07605474516749382},{"text":"It might be the TFN one, tax file number one.","start":4856.135,"end":4860.5903,"sentiment":"neutral","sentiment_score":0.0278780547901988},{"text":"Yep.","start":4860.5903,"end":4861.0903,"sentiment":"neutral","sentiment_score":0.03915541619062424},{"text":"Because they're the two that typically need they're the two that need the signing, the ongoing service agreement and the tax file number.","start":4861.31,"end":4868.37,"sentiment":"neutral","sentiment_score":0.033077472982847175}],"sentiment":"neutral","sentiment_score":0.041822776477783916,"num_words":40,"start":4847.655,"end":4868.37},{"sentences":[{"text":"Yeah.","start":4872.705,"end":4873.205,"sentiment":"neutral","sentiment_score":0.020466037094593048},{"text":"Yep.","start":4873.7446,"end":4874.2446,"sentiment":"neutral","sentiment_score":0.017231300473213196},{"text":"Yep.","start":4874.7847,"end":4875.2847,"sentiment":"neutral","sentiment_score":0.049997489899396896},{"text":"Yep.","start":4880.465,"end":4880.965,"sentiment":"neutral","sentiment_score":0.11034773290157318},{"text":"Absolutely.","start":4881.185,"end":4881.685,"sentiment":"neutral","sentiment_score":0.18030905723571777}],"sentiment":"neutral","sentiment_score":0.07567032352089882,"num_words":5,"start":4872.705,"end":4881.685},{"sentences":[{"text":"Absolutely.","start":4883.505,"end":4884.005,"sentiment":"neutral","sentiment_score":0.037180058658123016},{"text":"I will stay on the line with you on the line with you.","start":4884.51,"end":4887.55,"sentiment":"neutral","sentiment_score":0.2820035826701384},{"text":"And if we need to troubleshoot anything, I have Whitlam here who will help me troubleshoot as well.","start":4887.55,"end":4892.8496,"sentiment":"neutral","sentiment_score":0.16888119031985602},{"text":"So we'll we'll see how it goes.","start":4893.15,"end":4895.73,"sentiment":"neutral","sentiment_score":0.15707134561879293},{"text":"Okay.","start":4925.515,"end":4926.015,"sentiment":"neutral","sentiment_score":0.21517667174339297}],"sentiment":"neutral","sentiment_score":0.20144410375505686,"num_words":40,"start":4883.505,"end":4926.015},{"sentences":[{"text":"Beautiful.","start":4926.075,"end":4926.575,"sentiment":"positive","sentiment_score":0.631899893283844},{"text":"That usually takes only a few minutes to pop through pop back.","start":4927.435,"end":4932.415,"sentiment":"neutral","sentiment_score":0.29179416845242184},{"text":"Got a case of Mondayitis.","start":4935.33,"end":4948.058,"sentiment":"neutral","sentiment_score":-0.05495278872549534},{"text":"Alright.","start":4952.2153,"end":4952.7153,"sentiment":"neutral","sentiment_score":0.041566960513591766},{"text":"There you go.","start":4955.8154,"end":4956.6353,"sentiment":"neutral","sentiment_score":0.11404600987831752}],"sentiment":"neutral","sentiment_score":0.19283504369245333,"num_words":22,"start":4926.075,"end":4956.6353},{"sentences":[{"text":"Fantastic.","start":4957.1753,"end":4957.6753,"sentiment":"positive","sentiment_score":0.6401517391204834},{"text":"Let me just jump in.","start":4960.7754,"end":4962.455,"sentiment":"neutral","sentiment_score":0.13830765038728715},{"text":"I'll just check with I'll just check with Whitlam.","start":4962.455,"end":4969.14,"sentiment":"neutral","sentiment_score":0.11818715929985046},{"text":"I won't be a second.","start":4969.14,"end":4970.3604,"sentiment":"neutral","sentiment_score":0.08803416043519974},{"text":"Yep.","start":4980.755,"end":4981.235,"sentiment":"neutral","sentiment_score":0.24703213572502136}],"sentiment":"neutral","sentiment_score":0.14678939822174253,"num_words":21,"start":4957.1753,"end":4981.235},{"sentences":[{"text":"All perfect.","start":4981.235,"end":4981.875,"sentiment":"positive","sentiment_score":0.7072128653526306},{"text":"Thank you so much for that.","start":4981.875,"end":4983.4946,"sentiment":"positive","sentiment_score":0.8316033681233724},{"text":"Beautiful.","start":4987.3945,"end":4987.875,"sentiment":"positive","sentiment_score":0.7374324798583984},{"text":"Thanks, Carmen.","start":4987.875,"end":4988.675,"sentiment":"positive","sentiment_score":0.6959719657897949},{"text":"I will be in touch soon.","start":4988.675,"end":4992.3667,"sentiment":"positive","sentiment_score":0.412292276819547}],"sentiment":"positive","sentiment_score":0.6474809418706333,"num_words":17,"start":4981.235,"end":4992.3667},{"sentences":[{"text":"Okay.","start":4992.3667,"end":4992.8667,"sentiment":"neutral","sentiment_score":0.2270541787147522},{"text":"Bye.","start":4993.1665,"end":4993.6665,"sentiment":"neutral","sentiment_score":0.20673470199108124}],"sentiment":"neutral","sentiment_score":0.21689444035291672,"num_words":2,"start":4992.3667,"end":4993.6665}]}}]},{"alternatives":[{"transcript":"Good morning. I'm good. Thank you. How are you? Nope. You're very faint. Oh, you'll still talk again? Yeah. That's better. Thanks. Yeah. That's fine. Okay. It's Carmen Ruth Corduroy and Scruffy. Yeah. Good. Good. Mhmm. Yep. Yes. Mhmm. Yep. Single. Yep. Correct. Yep. Yep. Correct. I have a personal address too, though. Yep. Correct. Yep. Oh, he's not paying now. So working on yeah. Correct. Yes. Correct. Yep. Still there. Yes. Yeah. It's doing tracking services. Yeah. Correct. I it may have gone up to about 113. That's just the base. I actually take no. I don't because I don't really do overtime. I got wonderful, but not actual overtime. Yeah. Wait. Sorry. What was that? The rent? Oh, around 1,100 a month, was it, or fortnight? Yeah. Not much. Nothing's changed. The rent's still everything's the same. Sorry. I've only just started. So I I have a an account that's not linked to any of my other accounts. But like I said, I only just started, so I got $400 in. So not nothing much at all. But I am and I've only started buying Bitcoin. Is it Bitcoin? No. It's like different different parts of Bitcoin. So Yeah. I'll just jump into it now. Again, I've only just started, so I'm thinking that we need to do something because so, yeah, it's $464 and 30 4¢. Well, I try to do a 100 a fortnight. Like I said, I've only just started. So 100 as well, and that's separate. No. No. None of that. Just the just the usual. I do buy silver, though. Oh, I reckon around $3. Because I'm only buying, like, one coin, like, at $56 a fortnight. So and to be honest, I forgot about that. Yeah. That's what I'm buying. So whether it's a coin or a particular coin. But, yeah, I'm roughly looking around $3. Well, I haven't, but I probably need to look at that. I'm not sure, like, how much additional or Yep. Yep. I still have the debt, but it's reduced considerably. I'll tell you in a minute. I'll just jump in and have a look. And it decides to the Internet's slow here today. Yeah. It's not usually this slow, but okay. $6,564.42 is what is remaining. $2.50 a fortnight. It's gone. Yep. Gone. Zero. Card destroyed. Account no longer. Sorry? A car? Oh, I moved. Yes. Yes. Yes. Sorry. I was gonna do that. Sorry. No. I just pay a $100 of full $200 a fortnight. It's through my brother. So he because he works for a car company, and they leased it through, you know, for family. So and it just gets, I I at least twelve months. I get a new car and just continue to pay. So, yeah, it's that way. Yeah. No. I've told you everything. I feel very bare. No. Yep. Yep. I'll never go back to that. Yeah. Yeah. I'm back in training. So I am. I am doing that. Yeah. But it's, yeah, it's managed very well, actually, at the moment. So Yeah. No. I should probably get one and give everything to my son. Yep. Yep. Yep. Yep. Yep. Yep. Not too sure. Whilst I'd like to do that, it's probably not something that's in the immediate future. If that makes sense, which yeah. And and probably yeah. But it will happen. It will it will happen. Yeah. Yeah. Greece next year. We haven't figured that out yet because it's a friend of ours who's moved over to Greece and looks like she's gonna get married. So we're waiting to hear on the date. What's that? Yeah. Yeah. Crete. Yeah. So, yeah, we'll so I'm working towards that. But, yeah, I've gotta go and get my tax done too. So I haven't done that yet. So then I'll go back go towards the house the house. Sorry. The holiday. Started with a h. I'm on holidays at the moment, so I'm like, yay. Not a care in the world. No. I'm just not on, which is nice. Sorry? Yeah. We're gonna head out to an accountant, my son and I, so we'll get that done in the next couple of weeks. In retirement. I think just not scrimping and scraping and just, yeah, being able to live comfortably, not have to watch every penny. You know? And not not live paycheck to paycheck, that phrase. Ideally, I'd like to say what I get now, but, look, if that probably won't be what can I say that? Yep. Well, I think I'd like I can't retire until 67. So I've got about four views. Okay. Oh, it's good. Oh, okay. 60? Reduce. I can't see myself not doing anything, so I would need to do something. And whether I'm doing what I'm doing now or, you know, if I start a business or or whatever. You know? Well, I'd like I'd like to start off with four days a week and then just reduce it down over time. Yeah. Yes. Okay. No. Not really. I think I'd like to travel regularly in my retirement. I'd be a regular traveler. Yep. Yep. Overseas and also domestic. Maybe once every two years. If I can and if it could be funded, you know, from, say, the fortnightly income. Yeah. That can just put a little bit away and then, you know, like, save that. Yeah. So Yeah. So Oh, dear. It depends on where I went. Hey. And what the what the economy's like, you know, the currency. Yeah. Yeah. Yes. Yep. Okay. I'm just I was just thinking then I could probably start putting funds away for that now. Okay. Yep. Okay. Look. The only one I can think of is around $50. I do. Okay. So you want me to sign that? Okay. Is the attachment on it? No. It's just got signed document. Okay. No. No. That's fine. Okay. Yep. Yep. Yep. Is that is that depreciating at all? I'm sorry. I can't hear you. Yeah. Yeah. Much better. Mhmm. Okay. Alright. No. Well, that's good. Because I I thought I thought there was more, to be honest. I thought there was at least 500. And then Yeah. I have an oh, dear. I'm gonna have to jump back in. Yeah. That would be good because I've got really bad Internet connection today. I'm not sure why. But Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. I don't know. I don't I'm gonna be honest. I just don't know. I'd like to get it through savings and mortgage so I could leave my super. And, you know, like, I'm just looking at different ways I can do that. Yep. Yeah. Because it whilst I'd like to, it may not actually happen. You know? Like, I'm 53, to be honest. You know? Like, the reality is I'm 53. I probably got as as even though I would like to retire at 60, perhaps the reality is it's not gonna happen till 67. Do you know what I mean? Like, in line with the age pension. So it's like these those variables too that, you know, who's gonna lend money to a 50 year old woman, you know, with only a few years left. Yeah. Yeah. Look, I'd love to. I'd love to have that. That may not happen in this today's financial environment. You know? And it's just me. Like, I'm not married. I don't have a partner. It's just my income. Mhmm. Okay. Yep. Okay. Because I'm on holidays at the moment, I can't log in to my computer. But I'm back next week. I've got training on Wednesday Wednesday, Thursday. So Friday next week, I can probably jump in and actually give you, like, the the correct income. And then we can probably log in to that like, work from that. Because I think I've got a bit of a raise and increment. Yes. How much would that be? Mhmm. Pressure off. That's okay. I know what you're talking about. Okay. I'd like to say no, but I think I need to say yes. Yeah. Mhmm. Yeah. Yeah. I was just thinking about that too. But I don't have that, but, yeah, I know people who have and yeah. Okay. Cool. Thank you. Because it's like, oh, gosh. What do I I don't know. And that's it. It's a reality. It is a reality to look at even though you don't want to. Yep. Somebody there. And you see the Get Started and Fixed Financial as on that? Okay. Yep. Yep. Yes. That's a lot. Yeah. They're not performing. We have to so let me move on to the next one. Mhmm. Oh. Yep. Yeah. Yeah. Let's not wait. Let's yeah. Like you said, let's be proactive and No. I think apart from that, then along, which was, you know, disappointing. But, you know, that's stock market, isn't it really? Yep. Yeah. Because I don't wanna put it all into growth. Yep. Yeah. Hello? Yep. Okay. Let's do that. Yeah. Because I I check it and I go, okay. Lost a little bit. But Like gambling, isn't it? Do I choose the black or the red? Do I just go down? My age comes into play too, doesn't it? So I get a sense I should be sitting between moderate and high. So what were the options then? I'm gonna sit in the safety zone of moderate. I think I'd shift. Although I like the growth idea, but I think at my age, there's not that much time. 8%. Is that asking too much? Do you know I'm sorry. Can we go back to the moderate to high and very high? I'm actually I'm actually thinking I said moderate. That's for the safe one, but I actually thinking high. Like, just my intuition because I know that if you don't bet big, you don't get big back. But I don't wanna bet big and lose big either, but there's no guarantee. Yeah. Because I'm thinking and and the thing that's at the forefront here is my age and, you know, like, I'm not even 45. You know? Mhmm. So to and it whilst I need growth as in to be there later in life, I think where I'm sitting now is that there needs to be a level of risk to hopefully ensure that there will be that pot of gold at the end. Okay. Yeah. So, like, a safety net kind of thing as long as it doesn't exceed the PSS. Alright. Put me up to high then. I think cautious. I mean, you know, I was sitting at MLC for ten years and actually lost money, and nobody contacted me about it. So, you know, I was very and it was substantial loss too, which I think put me behind the eight ball. You know? So I am cautious, but I'm also oh, I I'd like to think that I'm living in the reality of life or my life and understand that if I'm cautious, I can't stop. Sometimes you have to risk it for the biscuit. No. Yeah. Yeah. That's fine. Yeah. Yep. Yep. Yep. Yeah. So I'm sorry. You're you're it's getting a bit hard to hear you again. Sorry about that. Oh, bless you. Oxy, I can hear you now. Like yeah. Very weird. Very weird. So just the top one, like The US shares, Australian shares, and that. What are they termed as? Okay. Yes. Okay. Okay. No. No. No. I think that looks alright at the moment. Okay. No. No. So so for the TPD and the life insurance, I'm probably paying about $7,800. Yeah. Oh, no. I'm just looking at this. Yeah. Like, what? $4.50 300. What's that? $4.07 it says so around $7.50. Annually, I'm paying for that. Okay. And then the IP is what? An additional cost? Yep. Yep. Okay. Yep. No. No. That's fine. No. You're right. When I clicked on next document, it came up with the text file number. Yeah. Yeah. We don't want that. Well, hang on a minute. I do I sign that tax file number now? Because it's like because it's that That's not my signature. It's got signed with Oodoo sign, but I'm like, no. I'm I think I better draw it. I'll do that. But that's not my signature. So yeah. I don't find my name like that. I've got Whitland Smith. Signature request. I'm gonna have to go right through the whole thing again. Yep. That's cool. No. No. No. That's fine. That's I just wanna make sure I'm doing the right thing. I'm not. Like, yes, the Internet is slow today. Okay. So go down to the and sorry. What was your name, Veronica? Jenna. Is your photo not in here? Okay. Okay. So certificate of currency. So we've gone through that one. Okay. Consent to new ongoing fee arrangement. So it's got estimated fee of $3,725.14 per annum. Is that what that's what we're looking at? Yes. Okay. Yes. Okay. Okay. Yep. That's fine. And and if it's if it's performing low, it'll still be the same. But yep. That's 330 children this pay month regardless of Okay. Yep. No worries. Mhmm. So could they be two different people? Or, like, the beneficiary would be my son, but maybe somebody else would be the power of attorney? Or Okay. Yep. Yeah. Yeah. If you can send me a brochure because my my son's only 19. So I, you know, I I would prefer to have somebody else a lot more older, I'm sure, as the power of attorney and someone I trust who would have gave best interest at heart. So he doesn't get all this money and blow it all in six months and, you know, there's no Yes. Okay. Okay. So with that those guys, yeah, the bracelet you're gonna send, can I do a wheel through them or will I have to go and get it done through it? That's something to everything through them. The power of attorney. Yeah. Perfect. Oh, awesome. Yeah. I'm good. Yep. Yeah. Well, the fact that you know me that you you mentioned that was like, okay. That's good. Yeah. Instead of me having to, you know, try and find and not knowing if I'm getting ripped off or you know? Perfect. No. I think we've done a, thorough job. Yes. I do I not sign today? Yep. Not a problem. Well, I've just written that down. There's two things that I need to get you by next Friday. Is the PSS allowed? Okay. Okay then. Alright. And I'll sign this now. And that's why I'm gonna do it on time. Okay. No worries. Thank you so much. I haven't scanned that now even though it's very close to my signature, but Well, I've just done that now. So it's very it's very close to my my signature anyway. So there are documents waiting for you. Sign request. So I have to sign them too? It's got there are documents waiting. Your signature, sign request, Carmen Corduroy, and oh, I should sign that? Okay. And that was probably I need to sign that now? Then we jumped out and then went into the next the other one. That's okay. So that's loading now. Because I wanna get all that done before we finish our phone call so that it's done. Okay. So that's the text file number one. Okay. So I'll draw that. Oh, gosh. Today's date. Next document. Click the start. You said ongoing fee. Yep. Alright. I think there's three documents I signed there. I think that yes. I don't know why it's slow today, but it's Monday. It's usually okay. Must be because I'm on holiday. It must be okay. No. No. You know? Talking porkies now. Okay. You will get the signed documents via email. Okay. I believe it's done. Can you you can set it on that end? No worries. Thank you. Alright. Well, I'll talk to you soon. Okay. Awesome. Thank you. 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morning. I'm good. Thank you. How are you? Nope.\n\nYou're very faint. Oh, you'll still talk again? Yeah. That's better. Thanks.\n\nYeah. That's fine. Okay. It's Carmen Ruth Corduroy and Scruffy. Yeah.\n\nGood. Good. Mhmm. Yep. Yes.\n\nMhmm. Yep. Single. Yep. Correct.\n\nYep. Yep. Correct. I have a personal address too, though. Yep.\n\nCorrect. Yep. Oh, he's not paying now. So working on yeah. Correct.\n\nYes. Correct. Yep. Still there. Yes.\n\nYeah. It's doing tracking services. Yeah. Correct. I it may have gone up to about 113.\n\nThat's just the base. I actually take no. I don't because I don't really do overtime. I got wonderful, but not actual overtime. Yeah.\n\nWait. Sorry. What was that? The rent? Oh, around 1,100 a month, was it, or fortnight?\n\nYeah. Not much. Nothing's changed. The rent's still everything's the same. Sorry.\n\nI've only just started. So I I have a an account that's not linked to any of my other accounts. But like I said, I only just started, so I got $400 in. So not nothing much at all. But I am and I've only started buying Bitcoin.\n\nIs it Bitcoin? No. It's like different different parts of Bitcoin. So Yeah. I'll just jump into it now.\n\nAgain, I've only just started, so I'm thinking that we need to do something because so, yeah, it's $464 and 30 4¢. Well, I try to do a 100 a fortnight. Like I said, I've only just started. So 100 as well, and that's separate. No.\n\nNo. None of that. Just the just the usual. I do buy silver, though. Oh, I reckon around $3.\n\nBecause I'm only buying, like, one coin, like, at $56 a fortnight. So and to be honest, I forgot about that. Yeah. That's what I'm buying. So whether it's a coin or a particular coin.\n\nBut, yeah, I'm roughly looking around $3. Well, I haven't, but I probably need to look at that. I'm not sure, like, how much additional or Yep. Yep. I still have the debt, but it's reduced considerably.\n\nI'll tell you in a minute. I'll just jump in and have a look. And it decides to the Internet's slow here today. Yeah. It's not usually this slow, but okay.\n\n$6,564.42 is what is remaining. $2.50 a fortnight. It's gone. Yep. Gone.\n\nZero. Card destroyed. Account no longer. Sorry? A car?\n\nOh, I moved. Yes. Yes. Yes. Sorry.\n\nI was gonna do that. Sorry. No. I just pay a $100 of full $200 a fortnight. It's through my brother.\n\nSo he because he works for a car company, and they leased it through, you know, for family. So and it just gets, I I at least twelve months. I get a new car and just continue to pay. So, yeah, it's that way. Yeah.\n\nNo. I've told you everything. I feel very bare. No. Yep.\n\nYep. I'll never go back to that. Yeah. Yeah. I'm back in training.\n\nSo I am. I am doing that. Yeah. But it's, yeah, it's managed very well, actually, at the moment. So Yeah.\n\nNo. I should probably get one and give everything to my son. Yep. Yep. Yep.\n\nYep. Yep. Yep. Not too sure. Whilst I'd like to do that, it's probably not something that's in the immediate future.\n\nIf that makes sense, which yeah. And and probably yeah. But it will happen. It will it will happen. Yeah.\n\nYeah. Greece next year. We haven't figured that out yet because it's a friend of ours who's moved over to Greece and looks like she's gonna get married. So we're waiting to hear on the date. What's that?\n\nYeah. Yeah. Crete. Yeah. So, yeah, we'll so I'm working towards that.\n\nBut, yeah, I've gotta go and get my tax done too. So I haven't done that yet. So then I'll go back go towards the house the house. Sorry. The holiday.\n\nStarted with a h. I'm on holidays at the moment, so I'm like, yay. Not a care in the world. No. I'm just not on, which is nice.\n\nSorry? Yeah. We're gonna head out to an accountant, my son and I, so we'll get that done in the next couple of weeks. In retirement. I think just not scrimping and scraping and just, yeah, being able to live comfortably, not have to watch every penny.\n\nYou know? And not not live paycheck to paycheck, that phrase. Ideally, I'd like to say what I get now, but, look, if that probably won't be what can I say that? Yep. Well, I think I'd like I can't retire until 67.\n\nSo I've got about four views. Okay. Oh, it's good. Oh, okay. 60?\n\nReduce. I can't see myself not doing anything, so I would need to do something. And whether I'm doing what I'm doing now or, you know, if I start a business or or whatever. You know? Well, I'd like I'd like to start off with four days a week and then just reduce it down over time.\n\nYeah. Yes. Okay. No. Not really.\n\nI think I'd like to travel regularly in my retirement. I'd be a regular traveler. Yep. Yep. Overseas and also domestic.\n\nMaybe once every two years. If I can and if it could be funded, you know, from, say, the fortnightly income. Yeah. That can just put a little bit away and then, you know, like, save that. Yeah.\n\nSo Yeah. So Oh, dear. It depends on where I went. Hey. And what the what the economy's like, you know, the currency.\n\nYeah. Yeah. Yes. Yep. Okay.\n\nI'm just I was just thinking then I could probably start putting funds away for that now. Okay. Yep. Okay. Look.\n\nThe only one I can think of is around $50. I do. Okay. So you want me to sign that? Okay.\n\nIs the attachment on it? No. It's just got signed document. Okay. No.\n\nNo. That's fine. Okay. Yep. Yep.\n\nYep. Is that is that depreciating at all? I'm sorry. I can't hear you. Yeah.\n\nYeah. Much better. Mhmm. Okay. Alright.\n\nNo. Well, that's good. Because I I thought I thought there was more, to be honest. I thought there was at least 500. And then Yeah.\n\nI have an oh, dear. I'm gonna have to jump back in. Yeah. That would be good because I've got really bad Internet connection today. I'm not sure why.\n\nBut Yep. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. I don't know. I don't I'm gonna be honest. I just don't know.\n\nI'd like to get it through savings and mortgage so I could leave my super. And, you know, like, I'm just looking at different ways I can do that. Yep. Yeah. Because it whilst I'd like to, it may not actually happen.\n\nYou know? Like, I'm 53, to be honest. You know? Like, the reality is I'm 53. I probably got as as even though I would like to retire at 60, perhaps the reality is it's not gonna happen till 67.\n\nDo you know what I mean? Like, in line with the age pension. So it's like these those variables too that, you know, who's gonna lend money to a 50 year old woman, you know, with only a few years left. Yeah. Yeah.\n\nLook, I'd love to. I'd love to have that. That may not happen in this today's financial environment. You know? And it's just me.\n\nLike, I'm not married. I don't have a partner. It's just my income. Mhmm. Okay.\n\nYep. Okay. Because I'm on holidays at the moment, I can't log in to my computer. But I'm back next week. I've got training on Wednesday Wednesday, Thursday.\n\nSo Friday next week, I can probably jump in and actually give you, like, the the correct income. And then we can probably log in to that like, work from that. Because I think I've got a bit of a raise and increment. Yes. How much would that be?\n\nMhmm. Pressure off. That's okay. I know what you're talking about. Okay.\n\nI'd like to say no, but I think I need to say yes. Yeah. Mhmm. Yeah. Yeah.\n\nI was just thinking about that too. But I don't have that, but, yeah, I know people who have and yeah. Okay. Cool. Thank you.\n\nBecause it's like, oh, gosh. What do I I don't know. And that's it. It's a reality. It is a reality to look at even though you don't want to.\n\nYep. Somebody there. And you see the Get Started and Fixed Financial as on that? Okay. Yep.\n\nYep. Yes. That's a lot. Yeah. They're not performing.\n\nWe have to so let me move on to the next one. Mhmm. Oh. Yep. Yeah.\n\nYeah. Let's not wait. Let's yeah. Like you said, let's be proactive and No. I think apart from that, then along, which was, you know, disappointing.\n\nBut, you know, that's stock market, isn't it really? Yep. Yeah. Because I don't wanna put it all into growth. Yep.\n\nYeah. Hello? Yep. Okay. Let's do that.\n\nYeah. Because I I check it and I go, okay. Lost a little bit. But Like gambling, isn't it? Do I choose the black or the red?\n\nDo I just go down? My age comes into play too, doesn't it? So I get a sense I should be sitting between moderate and high. So what were the options then? I'm gonna sit in the safety zone of moderate.\n\nI think I'd shift. Although I like the growth idea, but I think at my age, there's not that much time. 8%. Is that asking too much? Do you know I'm sorry.\n\nCan we go back to the moderate to high and very high? I'm actually I'm actually thinking I said moderate. That's for the safe one, but I actually thinking high. Like, just my intuition because I know that if you don't bet big, you don't get big back. But I don't wanna bet big and lose big either, but there's no guarantee.\n\nYeah. Because I'm thinking and and the thing that's at the forefront here is my age and, you know, like, I'm not even 45. You know? Mhmm. So to and it whilst I need growth as in to be there later in life, I think where I'm sitting now is that there needs to be a level of risk to hopefully ensure that there will be that pot of gold at the end.\n\nOkay. Yeah. So, like, a safety net kind of thing as long as it doesn't exceed the PSS. Alright. Put me up to high then.\n\nI think cautious. I mean, you know, I was sitting at MLC for ten years and actually lost money, and nobody contacted me about it. So, you know, I was very and it was substantial loss too, which I think put me behind the eight ball. You know? So I am cautious, but I'm also oh, I I'd like to think that I'm living in the reality of life or my life and understand that if I'm cautious, I can't stop.\n\nSometimes you have to risk it for the biscuit. No. Yeah. Yeah. That's fine.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nSo I'm sorry. You're you're it's getting a bit hard to hear you again. Sorry about that. Oh, bless you. Oxy, I can hear you now.\n\nLike yeah. Very weird. Very weird. So just the top one, like The US shares, Australian shares, and that. What are they termed as?\n\nOkay. Yes. Okay. Okay. No.\n\nNo. No. I think that looks alright at the moment. Okay. No.\n\nNo. So so for the TPD and the life insurance, I'm probably paying about $7,800. Yeah. Oh, no. I'm just looking at this.\n\nYeah. Like, what? $4.50 300. What's that? $4.07 it says so around $7.50.\n\nAnnually, I'm paying for that. Okay. And then the IP is what? An additional cost? Yep.\n\nYep. Okay. Yep. No. No.\n\nThat's fine. No. You're right. When I clicked on next document, it came up with the text file number. Yeah.\n\nYeah. We don't want that. Well, hang on a minute. I do I sign that tax file number now? Because it's like because it's that That's not my signature.\n\nIt's got signed with Oodoo sign, but I'm like, no. I'm I think I better draw it. I'll do that. But that's not my signature. So yeah.\n\nI don't find my name like that. I've got Whitland Smith. Signature request. I'm gonna have to go right through the whole thing again. Yep.\n\nThat's cool. No. No. No. That's fine.\n\nThat's I just wanna make sure I'm doing the right thing. I'm not. Like, yes, the Internet is slow today. Okay. So go down to the and sorry.\n\nWhat was your name, Veronica? Jenna. Is your photo not in here? Okay. Okay.\n\nSo certificate of currency. So we've gone through that one. Okay. Consent to new ongoing fee arrangement. So it's got estimated fee of $3,725.14 per annum.\n\nIs that what that's what we're looking at? Yes. Okay. Yes. Okay.\n\nOkay. Yep. That's fine. And and if it's if it's performing low, it'll still be the same. But yep.\n\nThat's 330 children this pay month regardless of Okay. Yep. No worries. Mhmm. So could they be two different people?\n\nOr, like, the beneficiary would be my son, but maybe somebody else would be the power of attorney? Or Okay. Yep. Yeah. Yeah.\n\nIf you can send me a brochure because my my son's only 19. So I, you know, I I would prefer to have somebody else a lot more older, I'm sure, as the power of attorney and someone I trust who would have gave best interest at heart. So he doesn't get all this money and blow it all in six months and, you know, there's no Yes. Okay. Okay.\n\nSo with that those guys, yeah, the bracelet you're gonna send, can I do a wheel through them or will I have to go and get it done through it? That's something to everything through them. The power of attorney. Yeah. Perfect.\n\nOh, awesome. Yeah. I'm good. Yep. Yeah.\n\nWell, the fact that you know me that you you mentioned that was like, okay. That's good. Yeah. Instead of me having to, you know, try and find and not knowing if I'm getting ripped off or you know? Perfect.\n\nNo. I think we've done a, thorough job. Yes. I do I not sign today? Yep.\n\nNot a problem. Well, I've just written that down. There's two things that I need to get you by next Friday. Is the PSS allowed? Okay.\n\nOkay then. Alright. And I'll sign this now. And that's why I'm gonna do it on time. Okay.\n\nNo worries. Thank you so much. I haven't scanned that now even though it's very close to my signature, but Well, I've just done that now. So it's very it's very close to my my signature anyway. So there are documents waiting for you.\n\nSign request. So I have to sign them too? It's got there are documents waiting. Your signature, sign request, Carmen Corduroy, and oh, I should sign that? Okay.\n\nAnd that was probably I need to sign that now? Then we jumped out and then went into the next the other one. That's okay. So that's loading now. Because I wanna get all that done before we finish our phone call so that it's done.\n\nOkay. So that's the text file number one. Okay. So I'll draw that. Oh, gosh.\n\nToday's date. Next document. Click the start. You said ongoing fee. Yep.\n\nAlright. I think there's three documents I signed there. I think that yes. I don't know why it's slow today, but it's Monday. It's usually okay.\n\nMust be because I'm on holiday. It must be okay. No. No. You know?\n\nTalking porkies now. Okay. You will get the signed documents via email. Okay. I believe it's done.\n\nCan you you can set it on that end? No worries. Thank you. Alright. Well, I'll talk to you soon.\n\nOkay. Awesome. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.58,"sentiment":"neutral","sentiment_score":0.28194455802440643},{"text":"I'm good.","start":5.92,"end":6.64,"sentiment":"positive","sentiment_score":0.5751353800296783},{"text":"Thank you.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.6049312055110931},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"positive","sentiment_score":0.34856559832890827},{"text":"Nope.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":-0.23763152956962583}],"sentiment":"positive","sentiment_score":0.3732087552547455,"num_words":10,"start":1.92,"end":12.5},{"sentences":[{"text":"You're very faint.","start":12.559999,"end":13.605,"sentiment":"negative","sentiment_score":-0.4748222430547078},{"text":"Oh, you'll still talk again?","start":21.925,"end":24.185,"sentiment":"neutral","sentiment_score":-0.018853643909096718},{"text":"Yeah.","start":25.925,"end":26.164999,"sentiment":"neutral","sentiment_score":0.050685815513134},{"text":"That's better.","start":26.164999,"end":26.724998,"sentiment":"neutral","sentiment_score":0.12201977893710136},{"text":"Thanks.","start":26.724998,"end":27.224998,"sentiment":"neutral","sentiment_score":0.25006675720214844}],"sentiment":"neutral","sentiment_score":-0.08116190151001017,"num_words":12,"start":12.559999,"end":27.224998},{"sentences":[{"text":"Yeah.","start":38.78,"end":39.02,"sentiment":"neutral","sentiment_score":0.08408932387828827},{"text":"That's fine.","start":39.02,"end":39.84,"sentiment":"neutral","sentiment_score":0.17967602610588074},{"text":"Okay.","start":49.765,"end":50.004997,"sentiment":"neutral","sentiment_score":0.03589349240064621},{"text":"It's Carmen Ruth Corduroy and Scruffy.","start":50.004997,"end":52.344997,"sentiment":"neutral","sentiment_score":0.055541533355911575},{"text":"Yeah.","start":58.34,"end":58.66,"sentiment":"neutral","sentiment_score":0.22029560804367063}],"sentiment":"neutral","sentiment_score":0.09389815242453055,"num_words":11,"start":38.78,"end":58.66},{"sentences":[{"text":"Good.","start":58.66,"end":58.98,"sentiment":"neutral","sentiment_score":0.3261181116104126},{"text":"Good.","start":58.98,"end":59.48,"sentiment":"neutral","sentiment_score":0.3172217011451721},{"text":"Mhmm.","start":68.9,"end":69.4,"sentiment":"neutral","sentiment_score":0.04319227114319801},{"text":"Yep.","start":72.135,"end":72.635,"sentiment":"neutral","sentiment_score":0.09010706841945648},{"text":"Yes.","start":72.695,"end":73.195,"sentiment":"neutral","sentiment_score":0.18975025415420532}],"sentiment":"neutral","sentiment_score":0.19327788129448892,"num_words":5,"start":58.66,"end":73.195},{"sentences":[{"text":"Mhmm.","start":81.78,"end":82.28,"sentiment":"neutral","sentiment_score":0.08377142250537872},{"text":"Yep.","start":89.4525,"end":89.9525,"sentiment":"neutral","sentiment_score":0.025063756853342056},{"text":"Single.","start":98.965,"end":99.465,"sentiment":"neutral","sentiment_score":0.014350028708577156},{"text":"Yep.","start":108.005,"end":108.505,"sentiment":"neutral","sentiment_score":0.013974761590361595},{"text":"Correct.","start":108.565,"end":109.065,"sentiment":"neutral","sentiment_score":0.020556606352329258}],"sentiment":"neutral","sentiment_score":0.031543315201997754,"num_words":5,"start":81.78,"end":109.065},{"sentences":[{"text":"Yep.","start":116.25,"end":116.49,"sentiment":"neutral","sentiment_score":0.0244278684258461},{"text":"Yep.","start":116.49,"end":116.89,"sentiment":"neutral","sentiment_score":0.03443035110831261},{"text":"Correct.","start":116.89,"end":117.39,"sentiment":"neutral","sentiment_score":0.0985170304775238},{"text":"I have a personal address too, though.","start":119.69,"end":121.71,"sentiment":"neutral","sentiment_score":0.04387275342430387},{"text":"Yep.","start":127.875,"end":128.375,"sentiment":"neutral","sentiment_score":0.038647107779979706}],"sentiment":"neutral","sentiment_score":0.045739239251071755,"num_words":11,"start":116.25,"end":128.375},{"sentences":[{"text":"Correct.","start":128.435,"end":128.935,"sentiment":"neutral","sentiment_score":0.1070801317691803},{"text":"Yep.","start":146.81,"end":147.31,"sentiment":"neutral","sentiment_score":0.028368769213557243},{"text":"Oh, he's not paying now.","start":147.76999,"end":149.04999,"sentiment":"neutral","sentiment_score":-0.15051489025354386},{"text":"So working on yeah.","start":149.04999,"end":157.355,"sentiment":"neutral","sentiment_score":-0.040955656208097935},{"text":"Correct.","start":157.415,"end":157.915,"sentiment":"neutral","sentiment_score":0.14247724413871765}],"sentiment":"neutral","sentiment_score":-0.05320591091488799,"num_words":12,"start":128.435,"end":157.915},{"sentences":[{"text":"Yes.","start":167.06999,"end":167.39,"sentiment":"neutral","sentiment_score":0.11493153870105743},{"text":"Correct.","start":167.39,"end":167.89,"sentiment":"neutral","sentiment_score":0.16347019374370575},{"text":"Yep.","start":175.605,"end":176.105,"sentiment":"neutral","sentiment_score":0.04801199585199356},{"text":"Still there.","start":181.44499,"end":182.185,"sentiment":"neutral","sentiment_score":0.028784048277884722},{"text":"Yes.","start":188.165,"end":188.665,"sentiment":"neutral","sentiment_score":0.031135059893131256}],"sentiment":"neutral","sentiment_score":0.06918614745760958,"num_words":6,"start":167.06999,"end":188.665},{"sentences":[{"text":"Yeah.","start":189.81999,"end":190.14,"sentiment":"neutral","sentiment_score":0.18698573112487793},{"text":"It's doing tracking services.","start":190.14,"end":191.44,"sentiment":"neutral","sentiment_score":0.19293702766299248},{"text":"Yeah.","start":197.18,"end":197.58,"sentiment":"neutral","sentiment_score":0.03674956038594246},{"text":"Correct.","start":197.58,"end":198.08,"sentiment":"neutral","sentiment_score":0.05068507790565491},{"text":"I it may have gone up to about 113.","start":205.155,"end":211.575,"sentiment":"neutral","sentiment_score":-0.007723417857454883}],"sentiment":"neutral","sentiment_score":0.061041107459459454,"num_words":16,"start":189.81999,"end":211.575},{"sentences":[{"text":"That's just the base.","start":224.04001,"end":225.34001,"sentiment":"neutral","sentiment_score":-0.05065889656543732},{"text":"I actually take no.","start":232.04001,"end":236.665,"sentiment":"neutral","sentiment_score":-0.06722099892795086},{"text":"I don't because I don't really do overtime.","start":236.665,"end":238.765,"sentiment":"neutral","sentiment_score":-0.16178756020963192},{"text":"I got wonderful, but not actual overtime.","start":239.385,"end":244.765,"sentiment":"neutral","sentiment_score":0.040923841297626495},{"text":"Yeah.","start":253.62,"end":254.12,"sentiment":"neutral","sentiment_score":-0.003911783918738365}],"sentiment":"neutral","sentiment_score":-0.061802706603581704,"num_words":24,"start":224.04001,"end":254.12},{"sentences":[{"text":"Wait.","start":255.78,"end":256.1,"sentiment":"neutral","sentiment_score":-0.010830648243427277},{"text":"Sorry.","start":256.1,"end":256.34,"sentiment":"neutral","sentiment_score":-0.028562132269144055},{"text":"What was that?","start":256.34,"end":256.82,"sentiment":"neutral","sentiment_score":-0.02165878688295682},{"text":"The rent?","start":256.82,"end":257.4,"sentiment":"neutral","sentiment_score":-0.019951552152633667},{"text":"Oh, around 1,100 a month, was it, or fortnight?","start":259.78,"end":263.725,"sentiment":"neutral","sentiment_score":-0.012761987331840727}],"sentiment":"neutral","sentiment_score":-0.01619563321582973,"num_words":16,"start":255.78,"end":263.725},{"sentences":[{"text":"Yeah.","start":266.505,"end":266.825,"sentiment":"neutral","sentiment_score":-0.027483996003866196},{"text":"Not much.","start":266.825,"end":267.30502,"sentiment":"neutral","sentiment_score":-0.10033506527543068},{"text":"Nothing's changed.","start":267.30502,"end":268.20502,"sentiment":"neutral","sentiment_score":-0.09892986714839935},{"text":"The rent's still everything's the same.","start":268.345,"end":270.68503,"sentiment":"neutral","sentiment_score":-0.059959485506018005},{"text":"Sorry.","start":280.38998,"end":280.88998,"sentiment":"neutral","sentiment_score":-0.07376419007778168}],"sentiment":"neutral","sentiment_score":-0.07162791366378467,"num_words":12,"start":266.505,"end":280.88998},{"sentences":[{"text":"I've only just started.","start":281.19,"end":282.49,"sentiment":"neutral","sentiment_score":-0.08456437662243843},{"text":"So I I have a an account that's not linked to any of my other accounts.","start":284.15,"end":292.655,"sentiment":"neutral","sentiment_score":-0.06104801036417484},{"text":"But like I said, I only just started, so I got $400 in.","start":293.595,"end":296.555,"sentiment":"neutral","sentiment_score":-0.06767145429666226},{"text":"So not nothing much at all.","start":296.555,"end":298.095,"sentiment":"neutral","sentiment_score":-0.12833435460925102},{"text":"But I am and I've only started buying Bitcoin.","start":298.635,"end":302.22,"sentiment":"neutral","sentiment_score":-0.05707903289132648}],"sentiment":"neutral","sentiment_score":-0.07246816670522094,"num_words":48,"start":281.19,"end":302.22},{"sentences":[{"text":"Is it Bitcoin?","start":302.68,"end":303.56,"sentiment":"neutral","sentiment_score":-0.021625361715753872},{"text":"No.","start":303.56,"end":303.80002,"sentiment":"neutral","sentiment_score":-0.09483498334884644},{"text":"It's like different different parts of Bitcoin.","start":303.80002,"end":306.12,"sentiment":"neutral","sentiment_score":-0.05069422216287681},{"text":"So Yeah.","start":306.12,"end":312.615,"sentiment":"neutral","sentiment_score":0.01789223775267601},{"text":"I'll just jump into it now.","start":312.615,"end":314.955,"sentiment":"neutral","sentiment_score":0.06724279560148716}],"sentiment":"neutral","sentiment_score":-0.003964703922208987,"num_words":19,"start":302.68,"end":314.955},{"sentences":[{"text":"Again, I've only just started, so I'm thinking that we need to do something because so, yeah, it's $464 and 30 4¢.","start":316.375,"end":333.71,"sentiment":"neutral","sentiment_score":0.01917015942966654},{"text":"Well, I try to do a 100 a fortnight.","start":333.71,"end":336.29,"sentiment":"neutral","sentiment_score":0.03130955890648895},{"text":"Like I said, I've only just started.","start":337.71,"end":339.22998,"sentiment":"neutral","sentiment_score":0.04505849044237818},{"text":"So 100 as well, and that's separate.","start":339.22998,"end":346.025,"sentiment":"neutral","sentiment_score":0.04154452521886144},{"text":"No.","start":358.03,"end":358.11,"sentiment":"neutral","sentiment_score":-0.07231786102056503}],"sentiment":"neutral","sentiment_score":0.027072502817544673,"num_words":46,"start":316.375,"end":358.11},{"sentences":[{"text":"No.","start":358.11,"end":358.51,"sentiment":"neutral","sentiment_score":-0.07169853895902634},{"text":"None of that.","start":358.51,"end":359.15,"sentiment":"neutral","sentiment_score":-0.07192334036032359},{"text":"Just the just the usual.","start":359.15,"end":360.69,"sentiment":"neutral","sentiment_score":-0.02051251642405987},{"text":"I do buy silver, though.","start":361.63,"end":363.16998,"sentiment":"neutral","sentiment_score":0.03495289087295532},{"text":"Oh, I reckon around $3.","start":370.63498,"end":373.29498,"sentiment":"neutral","sentiment_score":0.0008361928164958953}],"sentiment":"neutral","sentiment_score":-0.011109774932265282,"num_words":19,"start":358.11,"end":373.29498},{"sentences":[{"text":"Because I'm only buying, like, one coin, like, at $56 a fortnight.","start":373.51498,"end":378.815,"sentiment":"neutral","sentiment_score":0.006710688297365171},{"text":"So and to be honest, I forgot about that.","start":379.035,"end":382.74,"sentiment":"neutral","sentiment_score":-0.016873017677830324},{"text":"Yeah.","start":384.0,"end":384.47998,"sentiment":"neutral","sentiment_score":0.013602929189801216},{"text":"That's what I'm buying.","start":384.47998,"end":385.36,"sentiment":"neutral","sentiment_score":0.012944588204845786},{"text":"So whether it's a coin or a particular coin.","start":385.36,"end":389.03998,"sentiment":"neutral","sentiment_score":0.007927984930574894}],"sentiment":"neutral","sentiment_score":0.001868692767207644,"num_words":35,"start":373.51498,"end":389.03998},{"sentences":[{"text":"But, yeah, I'm roughly looking around $3.","start":389.03998,"end":391.06,"sentiment":"neutral","sentiment_score":0.05117332389844315},{"text":"Well, I haven't, but I probably need to look at that.","start":411.65,"end":416.63,"sentiment":"neutral","sentiment_score":-0.08729371428489685},{"text":"I'm not sure, like, how much additional or Yep.","start":421.415,"end":437.09,"sentiment":"neutral","sentiment_score":-0.03353798306650586},{"text":"Yep.","start":437.09,"end":437.59,"sentiment":"neutral","sentiment_score":0.038018956780433655},{"text":"I still have the debt, but it's reduced 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okay.","start":1034.3351,"end":1035.795,"sentiment":"neutral","sentiment_score":0.2708415240049362},{"text":"60?","start":1052.4601,"end":1052.86,"sentiment":"neutral","sentiment_score":-0.04185209050774574}],"sentiment":"neutral","sentiment_score":0.16323803798653758,"num_words":13,"start":961.79004,"end":1052.86},{"sentences":[{"text":"Reduce.","start":1052.86,"end":1053.36,"sentiment":"neutral","sentiment_score":-0.08582381159067154},{"text":"I can't see myself not doing anything, so I would need to do something.","start":1054.3151,"end":1060.4751,"sentiment":"neutral","sentiment_score":-0.3009598957640784},{"text":"And whether I'm doing what I'm doing now or, you know, if I start a business or or whatever.","start":1060.4751,"end":1068.1699,"sentiment":"neutral","sentiment_score":-0.0744038583024552},{"text":"You know?","start":1068.3099,"end":1072.8099,"sentiment":"neutral","sentiment_score":0.0570664182305336},{"text":"Well, I'd like I'd like to start off with four days a week 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do.","start":1418.225,"end":1418.805,"sentiment":"neutral","sentiment_score":0.08454636484384537},{"text":"Okay.","start":1448.115,"end":1448.615,"sentiment":"neutral","sentiment_score":0.09122470021247864},{"text":"So you want me to sign that?","start":1467.37,"end":1468.755,"sentiment":"neutral","sentiment_score":0.022177159254040037},{"text":"Okay.","start":1477.075,"end":1477.575,"sentiment":"neutral","sentiment_score":0.008257502689957619}],"sentiment":"neutral","sentiment_score":0.014526965717474619,"num_words":21,"start":1400.5701,"end":1477.575},{"sentences":[{"text":"Is the attachment on it?","start":1487.74,"end":1489.76,"sentiment":"neutral","sentiment_score":0.007418837770819664},{"text":"No.","start":1499.765,"end":1500.005,"sentiment":"neutral","sentiment_score":-0.08210702240467072},{"text":"It's just got signed 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sorry.","start":3334.105,"end":3335.385,"sentiment":"neutral","sentiment_score":-0.16712498366832734}],"sentiment":"neutral","sentiment_score":-0.05443181432201527,"num_words":32,"start":3295.83,"end":3335.385},{"sentences":[{"text":"Can we go back to the moderate to high and very high?","start":3335.385,"end":3338.365,"sentiment":"neutral","sentiment_score":-0.02802483302851518},{"text":"I'm actually I'm actually thinking I said moderate.","start":3340.6199,"end":3348.96,"sentiment":"neutral","sentiment_score":0.08800544962286949},{"text":"That's for the safe one, but I actually thinking high.","start":3349.02,"end":3351.615,"sentiment":"neutral","sentiment_score":0.0975623071193695},{"text":"Like, just my intuition because I know that if you don't bet big, you don't get big back.","start":3354.235,"end":3361.215,"sentiment":"neutral","sentiment_score":-0.03293690044018957},{"text":"But I don't wanna bet big and lose big either, but there's no guarantee.","start":3361.915,"end":3368.03,"sentiment":"neutral","sentiment_score":-0.21278159746101924}],"sentiment":"neutral","sentiment_score":-0.03594254678295505,"num_words":62,"start":3335.385,"end":3368.03},{"sentences":[{"text":"Yeah.","start":3385.385,"end":3385.885,"sentiment":"neutral","sentiment_score":0.15684999525547028},{"text":"Because I'm thinking and and the thing that's at the forefront here is my age and, you know, like, I'm not even 45.","start":3401.4602,"end":3410.7751,"sentiment":"neutral","sentiment_score":-0.008635875971420952},{"text":"You know?","start":3410.7751,"end":3411.435,"sentiment":"neutral","sentiment_score":-0.027132668532431126},{"text":"Mhmm.","start":3412.375,"end":3412.875,"sentiment":"neutral","sentiment_score":-0.010930516757071018},{"text":"So to and it whilst I need growth as in to be there later in life, I think where I'm sitting now is that there needs to be a level of risk to hopefully ensure that there will be that pot of gold at the end.","start":3413.415,"end":3431.16,"sentiment":"neutral","sentiment_score":-0.0395485398400089}],"sentiment":"neutral","sentiment_score":-0.026386353952733622,"num_words":73,"start":3385.385,"end":3431.16},{"sentences":[{"text":"Okay.","start":3456.8,"end":3457.3,"sentiment":"neutral","sentiment_score":0.03726769983768463},{"text":"Yeah.","start":3458.08,"end":3458.58,"sentiment":"neutral","sentiment_score":0.051516301929950714},{"text":"So, like, a safety net kind of thing as long as it doesn't exceed the PSS.","start":3459.2002,"end":3464.225,"sentiment":"neutral","sentiment_score":0.08036833396181464},{"text":"Alright.","start":3465.8052,"end":3466.125,"sentiment":"neutral","sentiment_score":0.20778390765190125},{"text":"Put me up to high then.","start":3466.125,"end":3467.5051,"sentiment":"neutral","sentiment_score":0.15967533364892006}],"sentiment":"neutral","sentiment_score":0.10162053018808365,"num_words":25,"start":3456.8,"end":3467.5051},{"sentences":[{"text":"I think cautious.","start":3494.705,"end":3495.605,"sentiment":"neutral","sentiment_score":-0.1753039707740148},{"text":"I mean, you know, I was sitting at MLC for ten years and actually lost money, and nobody contacted me about it.","start":3496.785,"end":3503.345,"sentiment":"neutral","sentiment_score":-0.20998512039130385},{"text":"So, you know, I was very and it was substantial loss too, which I think put me behind the eight ball.","start":3503.345,"end":3510.45,"sentiment":"neutral","sentiment_score":-0.30626863170237767},{"text":"You know?","start":3512.75,"end":3513.15,"sentiment":"neutral","sentiment_score":-0.04739941656589508},{"text":"So I am cautious, but I'm also oh, I I'd like to think that I'm living in the reality of life or my life and understand that if I'm cautious, I can't stop.","start":3513.15,"end":3532.185,"sentiment":"neutral","sentiment_score":-0.05553361717047113}],"sentiment":"neutral","sentiment_score":-0.1667238768696049,"num_words":81,"start":3494.705,"end":3532.185},{"sentences":[{"text":"Sometimes you have to risk it for the biscuit.","start":3532.885,"end":3535.305,"sentiment":"neutral","sentiment_score":-0.11135762102074093},{"text":"No.","start":3548.0898,"end":3548.5898,"sentiment":"neutral","sentiment_score":0.013641443103551865},{"text":"Yeah.","start":3602.33,"end":3602.83,"sentiment":"neutral","sentiment_score":0.1473793387413025},{"text":"Yeah.","start":3604.17,"end":3604.49,"sentiment":"neutral","sentiment_score":0.22260257601737976},{"text":"That's fine.","start":3604.49,"end":3605.31,"sentiment":"positive","sentiment_score":0.35347984731197357}],"sentiment":"neutral","sentiment_score":0.006311747378536633,"num_words":14,"start":3532.885,"end":3605.31},{"sentences":[{"text":"Yeah.","start":3605.53,"end":3606.03,"sentiment":"neutral","sentiment_score":0.2410663217306137},{"text":"Yep.","start":3621.825,"end":3622.305,"sentiment":"neutral","sentiment_score":0.04367118701338768},{"text":"Yep.","start":3622.305,"end":3622.805,"sentiment":"neutral","sentiment_score":0.04074986279010773},{"text":"Yep.","start":3635.2551,"end":3635.7551,"sentiment":"neutral","sentiment_score":0.054434433579444885},{"text":"Yeah.","start":3643.655,"end":3644.155,"sentiment":"neutral","sentiment_score":0.03004992753267288}],"sentiment":"neutral","sentiment_score":0.08199434652924538,"num_words":5,"start":3605.53,"end":3644.155},{"sentences":[{"text":"So I'm sorry.","start":3676.24,"end":3677.84,"sentiment":"neutral","sentiment_score":-0.11061307353278},{"text":"You're you're it's getting a bit hard to hear you again.","start":3677.84,"end":3682.0,"sentiment":"neutral","sentiment_score":-0.31603915041143243},{"text":"Sorry about that.","start":3682.0,"end":3683.06,"sentiment":"neutral","sentiment_score":-0.2573568324247996},{"text":"Oh, bless you.","start":3689.12,"end":3689.76,"sentiment":"neutral","sentiment_score":0.16890224566062292},{"text":"Oxy, I can hear you now.","start":3689.76,"end":3690.855,"sentiment":"neutral","sentiment_score":0.04234481230378151}],"sentiment":"neutral","sentiment_score":-0.1469063369843822,"num_words":26,"start":3676.24,"end":3690.855},{"sentences":[{"text":"Like yeah.","start":3691.335,"end":3692.635,"sentiment":"neutral","sentiment_score":-0.0010669482871890068},{"text":"Very weird.","start":3692.775,"end":3693.595,"sentiment":"neutral","sentiment_score":-0.10730157420039177},{"text":"Very weird.","start":3693.895,"end":3694.555,"sentiment":"neutral","sentiment_score":-0.08884292840957642},{"text":"So just the top one, like The US shares, Australian shares, and that.","start":3696.615,"end":3700.875,"sentiment":"neutral","sentiment_score":0.010426328302575992},{"text":"What are they termed as?","start":3701.4949,"end":3703.035,"sentiment":"neutral","sentiment_score":0.01618977226316929}],"sentiment":"neutral","sentiment_score":-0.007413823856040835,"num_words":24,"start":3691.335,"end":3703.035},{"sentences":[{"text":"Okay.","start":3717.95,"end":3718.45,"sentiment":"neutral","sentiment_score":0.05242203176021576},{"text":"Yes.","start":3735.1602,"end":3735.6602,"sentiment":"neutral","sentiment_score":0.036092013120651245},{"text":"Okay.","start":3737.2402,"end":3737.7402,"sentiment":"neutral","sentiment_score":0.03642667829990387},{"text":"Okay.","start":3741.56,"end":3741.8801,"sentiment":"neutral","sentiment_score":-0.008182893507182598},{"text":"No.","start":3741.8801,"end":3742.2002,"sentiment":"neutral","sentiment_score":-0.13584426045417786}],"sentiment":"neutral","sentiment_score":-0.003817286156117916,"num_words":5,"start":3717.95,"end":3742.2002},{"sentences":[{"text":"No.","start":3742.2002,"end":3742.36,"sentiment":"neutral","sentiment_score":-0.17148499190807345},{"text":"No.","start":3742.36,"end":3742.6,"sentiment":"neutral","sentiment_score":-0.20836803317070007},{"text":"I think that looks alright at the moment.","start":3742.6,"end":3744.9402,"sentiment":"neutral","sentiment_score":-0.18574766255915165},{"text":"Okay.","start":3769.92,"end":3770.42,"sentiment":"neutral","sentiment_score":0.03088967874646187},{"text":"No.","start":3775.305,"end":3775.805,"sentiment":"neutral","sentiment_score":-0.17348574101924896}],"sentiment":"neutral","sentiment_score":-0.16736919898539782,"num_words":12,"start":3742.2002,"end":3775.805},{"sentences":[{"text":"No.","start":3775.865,"end":3776.365,"sentiment":"neutral","sentiment_score":-0.1809500157833099},{"text":"So so for the TPD and the life insurance, I'm probably paying about $7,800.","start":3781.305,"end":3788.365,"sentiment":"neutral","sentiment_score":0.12794147059321404},{"text":"Yeah.","start":3805.465,"end":3805.705,"sentiment":"neutral","sentiment_score":0.013950413092970848},{"text":"Oh, no.","start":3805.705,"end":3806.025,"sentiment":"neutral","sentiment_score":-0.05724974535405636},{"text":"I'm just looking at this.","start":3806.025,"end":3807.065,"sentiment":"neutral","sentiment_score":-0.07374800592660904}],"sentiment":"neutral","sentiment_score":0.04960615066406519,"num_words":23,"start":3775.865,"end":3807.065},{"sentences":[{"text":"Yeah.","start":3807.065,"end":3807.305,"sentiment":"neutral","sentiment_score":-0.020793285220861435},{"text":"Like, what?","start":3807.305,"end":3807.945,"sentiment":"neutral","sentiment_score":-0.01631622575223446},{"text":"$4.50 300.","start":3807.945,"end":3811.085,"sentiment":"neutral","sentiment_score":-0.0029656891711056232},{"text":"What's that?","start":3811.225,"end":3811.625,"sentiment":"neutral","sentiment_score":-0.00877501629292965},{"text":"$4.07 it says so around $7.50.","start":3811.625,"end":3814.205,"sentiment":"neutral","sentiment_score":-0.006108273596813281}],"sentiment":"neutral","sentiment_score":-0.0087351376334062,"num_words":13,"start":3807.065,"end":3814.205},{"sentences":[{"text":"Annually, I'm paying for that.","start":3814.665,"end":3816.445,"sentiment":"neutral","sentiment_score":-0.013872599229216576},{"text":"Okay.","start":3828.86,"end":3829.34,"sentiment":"neutral","sentiment_score":0.02922792360186577},{"text":"And then the IP is what?","start":3829.34,"end":3831.165,"sentiment":"neutral","sentiment_score":0.015626538079231977},{"text":"An additional cost?","start":3831.245,"end":3835.565,"sentiment":"neutral","sentiment_score":0.014094536192715168},{"text":"Yep.","start":3835.565,"end":3836.065,"sentiment":"neutral","sentiment_score":0.028291430324316025}],"sentiment":"neutral","sentiment_score":0.007762449677102268,"num_words":16,"start":3814.665,"end":3836.065},{"sentences":[{"text":"Yep.","start":3843.325,"end":3843.645,"sentiment":"neutral","sentiment_score":0.03421396762132645},{"text":"Okay.","start":3843.645,"end":3844.145,"sentiment":"neutral","sentiment_score":0.022841230034828183},{"text":"Yep.","start":3848.0698,"end":3848.5698,"sentiment":"neutral","sentiment_score":0.0285326074808836},{"text":"No.","start":3891.5452,"end":3892.0452,"sentiment":"neutral","sentiment_score":-0.15146668255329132},{"text":"No.","start":3892.2651,"end":3892.425,"sentiment":"neutral","sentiment_score":-0.13098712265491486}],"sentiment":"neutral","sentiment_score":-0.03937320001423359,"num_words":5,"start":3843.325,"end":3892.425},{"sentences":[{"text":"That's fine.","start":3892.425,"end":3893.245,"sentiment":"neutral","sentiment_score":-0.0264730490744114},{"text":"No.","start":3952.445,"end":3952.765,"sentiment":"neutral","sentiment_score":-0.05387456342577934},{"text":"You're right.","start":3952.765,"end":3953.505,"sentiment":"neutral","sentiment_score":0.01046201802091673},{"text":"When I clicked on next document, it came up with the text file number.","start":3954.43,"end":3957.8901,"sentiment":"neutral","sentiment_score":0.017795027632798468},{"text":"Yeah.","start":3984.45,"end":3984.95,"sentiment":"neutral","sentiment_score":0.20213301479816437}],"sentiment":"neutral","sentiment_score":0.01826833880622871,"num_words":20,"start":3892.425,"end":3984.95},{"sentences":[{"text":"Yeah.","start":3985.01,"end":3985.51,"sentiment":"neutral","sentiment_score":0.22855618596076965},{"text":"We don't want that.","start":3985.57,"end":3986.6301,"sentiment":"neutral","sentiment_score":-0.13200446404516697},{"text":"Well, hang on a minute.","start":4009.7048,"end":4010.825,"sentiment":"neutral","sentiment_score":0.07115443572402},{"text":"I do I sign that tax file number now?","start":4010.825,"end":4015.78,"sentiment":"neutral","sentiment_score":0.08551724089516534},{"text":"Because it's like because it's that That's not my signature.","start":4018.48,"end":4033.115,"sentiment":"neutral","sentiment_score":-0.10377427898347377}],"sentiment":"neutral","sentiment_score":-0.007302659082001653,"num_words":29,"start":3985.01,"end":4033.115},{"sentences":[{"text":"It's got signed with Oodoo sign, but I'm like, no.","start":4033.575,"end":4042.315,"sentiment":"neutral","sentiment_score":-0.18039403334259987},{"text":"I'm I think I better draw it.","start":4043.1501,"end":4044.9302,"sentiment":"neutral","sentiment_score":-0.1570990617786135},{"text":"I'll do that.","start":4046.03,"end":4046.85,"sentiment":"neutral","sentiment_score":-0.06659075866142909},{"text":"But that's not my signature.","start":4054.1902,"end":4055.825,"sentiment":"neutral","sentiment_score":-0.2814937233924866},{"text":"So yeah.","start":4056.445,"end":4058.365,"sentiment":"neutral","sentiment_score":-0.20496731996536255}],"sentiment":"neutral","sentiment_score":-0.18225219625013847,"num_words":27,"start":4033.575,"end":4058.365},{"sentences":[{"text":"I don't find my name like that.","start":4058.365,"end":4060.065,"sentiment":"neutral","sentiment_score":-0.32078339798109873},{"text":"I've got Whitland Smith.","start":4102.33,"end":4103.87,"sentiment":"neutral","sentiment_score":0.08781155385077},{"text":"Signature request.","start":4104.01,"end":4105.23,"sentiment":"neutral","sentiment_score":0.04178241267800331},{"text":"I'm gonna have to go right through the whole thing again.","start":4118.745,"end":4120.585,"sentiment":"neutral","sentiment_score":-0.02712831629270857},{"text":"Yep.","start":4120.585,"end":4120.745,"sentiment":"neutral","sentiment_score":0.10560496896505356}],"sentiment":"neutral","sentiment_score":-0.0801391702145338,"num_words":25,"start":4058.365,"end":4120.745},{"sentences":[{"text":"That's cool.","start":4120.745,"end":4121.485,"sentiment":"neutral","sentiment_score":0.22251514345407486},{"text":"No.","start":4122.265,"end":4122.505,"sentiment":"neutral","sentiment_score":-0.11272256076335908},{"text":"No.","start":4122.505,"end":4122.665,"sentiment":"neutral","sentiment_score":-0.12368467450141908},{"text":"No.","start":4122.665,"end":4122.8247,"sentiment":"neutral","sentiment_score":-0.14418287575244904},{"text":"That's fine.","start":4122.8247,"end":4123.225,"sentiment":"neutral","sentiment_score":-0.006278859451413155}],"sentiment":"neutral","sentiment_score":0.007411779569728034,"num_words":7,"start":4120.745,"end":4123.225},{"sentences":[{"text":"That's I just wanna make sure I'm doing the right thing.","start":4123.225,"end":4125.18,"sentiment":"neutral","sentiment_score":0.01916554660155353},{"text":"I'm not.","start":4125.58,"end":4126.96,"sentiment":"neutral","sentiment_score":-0.13693047687411308},{"text":"Like, yes, the Internet is slow today.","start":4136.3003,"end":4138.425,"sentiment":"negative","sentiment_score":-0.4067971408367157},{"text":"Okay.","start":4142.165,"end":4142.565,"sentiment":"neutral","sentiment_score":0.000995224341750145},{"text":"So go down to the and sorry.","start":4142.565,"end":4145.8447,"sentiment":"neutral","sentiment_score":-0.015017158218792506}],"sentiment":"neutral","sentiment_score":-0.10766945750635516,"num_words":28,"start":4123.225,"end":4145.8447},{"sentences":[{"text":"What was your name, Veronica?","start":4145.8447,"end":4147.545,"sentiment":"neutral","sentiment_score":-0.01405037585645914},{"text":"Jenna.","start":4148.565,"end":4149.065,"sentiment":"neutral","sentiment_score":-0.05197574943304062},{"text":"Is your photo not in here?","start":4151.125,"end":4153.225,"sentiment":"neutral","sentiment_score":-0.03377607464790344},{"text":"Okay.","start":4163.69,"end":4164.19,"sentiment":"neutral","sentiment_score":-0.044701240956783295},{"text":"Okay.","start":4174.665,"end":4175.165,"sentiment":"neutral","sentiment_score":-0.006101639941334724}],"sentiment":"neutral","sentiment_score":-0.02683478267863393,"num_words":14,"start":4145.8447,"end":4175.165},{"sentences":[{"text":"So certificate of currency.","start":4175.305,"end":4177.0054,"sentiment":"neutral","sentiment_score":0.0016437892336398363},{"text":"So we've gone through that one.","start":4177.305,"end":4178.845,"sentiment":"neutral","sentiment_score":0.010092493146657944},{"text":"Okay.","start":4187.0103,"end":4187.41,"sentiment":"neutral","sentiment_score":0.02625419571995735},{"text":"Consent to new ongoing fee arrangement.","start":4187.41,"end":4189.5103,"sentiment":"neutral","sentiment_score":0.04393165155003468},{"text":"So it's got estimated fee of $3,725.14 per annum.","start":4257.985,"end":4267.32,"sentiment":"neutral","sentiment_score":-0.026187560417585902}],"sentiment":"neutral","sentiment_score":0.004664852964476897,"num_words":26,"start":4175.305,"end":4267.32},{"sentences":[{"text":"Is that what that's what we're looking at?","start":4268.02,"end":4270.44,"sentiment":"neutral","sentiment_score":0.030893516959622502},{"text":"Yes.","start":4287.8853,"end":4288.3853,"sentiment":"neutral","sentiment_score":0.05046591162681579},{"text":"Okay.","start":4288.525,"end":4289.025,"sentiment":"neutral","sentiment_score":0.14665555953979492},{"text":"Yes.","start":4301.62,"end":4302.12,"sentiment":"neutral","sentiment_score":0.1193881630897522},{"text":"Okay.","start":4316.4053,"end":4316.9053,"sentiment":"neutral","sentiment_score":0.11340361088514328}],"sentiment":"neutral","sentiment_score":0.05642178173487385,"num_words":12,"start":4268.02,"end":4316.9053},{"sentences":[{"text":"Okay.","start":4317.045,"end":4317.4453,"sentiment":"neutral","sentiment_score":0.1098286509513855},{"text":"Yep.","start":4317.4453,"end":4317.9253,"sentiment":"neutral","sentiment_score":0.14573459327220917},{"text":"That's fine.","start":4317.9253,"end":4318.665,"sentiment":"neutral","sentiment_score":0.25609371066093445},{"text":"And and if it's if it's performing low, it'll still be the same.","start":4319.285,"end":4324.23,"sentiment":"neutral","sentiment_score":0.06721167151744549},{"text":"But yep.","start":4324.23,"end":4325.85,"sentiment":"neutral","sentiment_score":0.04123025946319103}],"sentiment":"neutral","sentiment_score":0.0907348902209809,"num_words":19,"start":4317.045,"end":4325.85},{"sentences":[{"text":"That's 330 children this pay month regardless of Okay.","start":4341.575,"end":4348.91,"sentiment":"neutral","sentiment_score":0.1761188821660148},{"text":"Yep.","start":4364.065,"end":4364.145,"sentiment":"neutral","sentiment_score":0.23161861300468445},{"text":"No worries.","start":4364.145,"end":4364.8047,"sentiment":"positive","sentiment_score":0.417588546872139},{"text":"Mhmm.","start":4379.3447,"end":4379.8447,"sentiment":"neutral","sentiment_score":0.027403973042964935},{"text":"So could they be two different people?","start":4445.23,"end":4447.9697,"sentiment":"neutral","sentiment_score":-0.014132761795605932}],"sentiment":"neutral","sentiment_score":0.12901701433584095,"num_words":20,"start":4341.575,"end":4447.9697},{"sentences":[{"text":"Or, like, the beneficiary would be my son, but maybe somebody else would be the power of attorney?","start":4448.19,"end":4454.705,"sentiment":"neutral","sentiment_score":-0.013688614695436425},{"text":"Or Okay.","start":4456.045,"end":4464.38,"sentiment":"neutral","sentiment_score":0.003193483687937259},{"text":"Yep.","start":4478.5454,"end":4479.0454,"sentiment":"neutral","sentiment_score":0.030377795919775963},{"text":"Yeah.","start":4498.3403,"end":4498.74,"sentiment":"neutral","sentiment_score":0.03382024168968201},{"text":"Yeah.","start":4498.74,"end":4499.14,"sentiment":"neutral","sentiment_score":0.02681471966207027}],"sentiment":"neutral","sentiment_score":-0.0064780582552370816,"num_words":23,"start":4448.19,"end":4499.14},{"sentences":[{"text":"If you can send me a brochure because my my son's only 19.","start":4499.14,"end":4503.2153,"sentiment":"neutral","sentiment_score":-0.004679855389090685},{"text":"So I, you know, I I would prefer to have somebody else a lot more older, I'm sure, as the power of attorney and someone I trust who would have gave best interest at heart.","start":4503.995,"end":4520.51,"sentiment":"neutral","sentiment_score":-0.07303934831704412},{"text":"So he doesn't get all this money and blow it all in six months and, you know, there's no Yes.","start":4520.9697,"end":4552.7803,"sentiment":"neutral","sentiment_score":-0.11263361312448979},{"text":"Okay.","start":4583.4453,"end":4583.9453,"sentiment":"neutral","sentiment_score":0.0029919948428869247},{"text":"Okay.","start":4589.365,"end":4589.845,"sentiment":"neutral","sentiment_score":0.024778414517641068}],"sentiment":"neutral","sentiment_score":-0.06917310234691415,"num_words":70,"start":4499.14,"end":4589.845},{"sentences":[{"text":"So with that those guys, yeah, the bracelet you're gonna send, can I do a wheel through them or will I have to go and get it done through it?","start":4589.845,"end":4596.4053,"sentiment":"neutral","sentiment_score":0.006991720013320446},{"text":"That's something to everything through them.","start":4596.4053,"end":4598.25,"sentiment":"neutral","sentiment_score":-0.07658536111315091},{"text":"The power of attorney.","start":4598.81,"end":4599.93,"sentiment":"neutral","sentiment_score":0.04574416438117623},{"text":"Yeah.","start":4599.93,"end":4600.17,"sentiment":"neutral","sentiment_score":0.11883371323347092},{"text":"Perfect.","start":4600.17,"end":4600.57,"sentiment":"neutral","sentiment_score":0.30091384053230286}],"sentiment":"neutral","sentiment_score":0.008403896309790156,"num_words":42,"start":4589.845,"end":4600.57},{"sentences":[{"text":"Oh, awesome.","start":4600.57,"end":4601.47,"sentiment":"neutral","sentiment_score":0.2723091095685959},{"text":"Yeah.","start":4610.81,"end":4611.31,"sentiment":"neutral","sentiment_score":0.19871973991394043},{"text":"I'm good.","start":4615.225,"end":4615.965,"sentiment":"positive","sentiment_score":0.3358498364686966},{"text":"Yep.","start":4627.18,"end":4627.68,"sentiment":"positive","sentiment_score":0.3521883487701416},{"text":"Yeah.","start":4632.94,"end":4633.44,"sentiment":"neutral","sentiment_score":0.21659959852695465}],"sentiment":"neutral","sentiment_score":0.28340365418366026,"num_words":7,"start":4600.57,"end":4633.44},{"sentences":[{"text":"Well, the fact that you know me that you you mentioned that was like, okay.","start":4634.38,"end":4637.58,"sentiment":"positive","sentiment_score":0.33453235824902855},{"text":"That's good.","start":4637.58,"end":4638.06,"sentiment":"positive","sentiment_score":0.4634961485862732},{"text":"Yeah.","start":4638.06,"end":4638.38,"sentiment":"neutral","sentiment_score":0.13659486174583435},{"text":"Instead of me having to, you know, try and find and not knowing if I'm getting ripped off or you know?","start":4638.38,"end":4645.025,"sentiment":"negative","sentiment_score":-0.3634561605396725},{"text":"Perfect.","start":4653.9653,"end":4654.4653,"sentiment":"positive","sentiment_score":0.6894216537475586}],"sentiment":"neutral","sentiment_score":-0.021539629623293876,"num_words":40,"start":4634.38,"end":4654.4653},{"sentences":[{"text":"No.","start":4659.9297,"end":4660.25,"sentiment":"neutral","sentiment_score":0.1068056896328926},{"text":"I think we've done a, thorough job.","start":4660.25,"end":4662.9097,"sentiment":"positive","sentiment_score":0.40583239070006777},{"text":"Yes.","start":4694.85,"end":4695.35,"sentiment":"neutral","sentiment_score":-0.032464489340782166},{"text":"I do I not sign today?","start":4695.73,"end":4699.4946,"sentiment":"neutral","sentiment_score":-0.18399025375644365},{"text":"Yep.","start":4729.695,"end":4730.195,"sentiment":"neutral","sentiment_score":0.10722938179969788}],"sentiment":"neutral","sentiment_score":0.1199034871533513,"num_words":16,"start":4659.9297,"end":4730.195},{"sentences":[{"text":"Not a problem.","start":4747.15,"end":4748.05,"sentiment":"neutral","sentiment_score":0.020468792567650478},{"text":"Well, I've just written that down.","start":4748.4297,"end":4749.71,"sentiment":"neutral","sentiment_score":0.09441731063028176},{"text":"There's two things that I need to get you by next Friday.","start":4749.71,"end":4752.9297,"sentiment":"neutral","sentiment_score":0.08033716616531213},{"text":"Is the PSS allowed?","start":4753.23,"end":4754.61,"sentiment":"neutral","sentiment_score":0.02965623466297984},{"text":"Okay.","start":4757.31,"end":4757.81,"sentiment":"neutral","sentiment_score":0.09466342628002168}],"sentiment":"neutral","sentiment_score":0.06943248463078187,"num_words":26,"start":4747.15,"end":4757.81},{"sentences":[{"text":"Okay then.","start":4778.6196,"end":4779.44,"sentiment":"neutral","sentiment_score":0.2180817350745201},{"text":"Alright.","start":4780.54,"end":4780.86,"sentiment":"positive","sentiment_score":0.3903912007808686},{"text":"And I'll sign this now.","start":4780.86,"end":4782.48,"sentiment":"neutral","sentiment_score":0.3138755738735199},{"text":"And that's why I'm gonna do it on time.","start":4783.0996,"end":4789.225,"sentiment":"neutral","sentiment_score":0.2733062422937817},{"text":"Okay.","start":4811.76,"end":4812.26,"sentiment":"neutral","sentiment_score":0.07070732116699219}],"sentiment":"neutral","sentiment_score":0.2736886690060298,"num_words":18,"start":4778.6196,"end":4812.26},{"sentences":[{"text":"No worries.","start":4816.765,"end":4817.505,"sentiment":"neutral","sentiment_score":0.024324331432580948},{"text":"Thank you so much.","start":4818.205,"end":4819.345,"sentiment":"neutral","sentiment_score":0.23259572684764862},{"text":"I haven't scanned that now even though it's very close to my signature, but Well, I've just done that now.","start":4820.605,"end":4836.42,"sentiment":"neutral","sentiment_score":0.011016838159412146},{"text":"So it's very it's very close to my my signature anyway.","start":4836.42,"end":4839.8604,"sentiment":"neutral","sentiment_score":0.04860632629557089},{"text":"So there are documents waiting for you.","start":4839.8604,"end":4842.9,"sentiment":"neutral","sentiment_score":0.023888111114501953}],"sentiment":"neutral","sentiment_score":0.043210334102199835,"num_words":44,"start":4816.765,"end":4842.9},{"sentences":[{"text":"Sign request.","start":4842.9,"end":4843.6147,"sentiment":"neutral","sentiment_score":0.01355348015204072},{"text":"So I have to sign them too?","start":4843.6147,"end":4845.235,"sentiment":"neutral","sentiment_score":0.028495764625923976},{"text":"It's got there are documents waiting.","start":4850.4946,"end":4852.0947,"sentiment":"neutral","sentiment_score":0.030855479029317696},{"text":"Your signature, sign request, Carmen Corduroy, and oh, I should sign that?","start":4852.0947,"end":4860.28,"sentiment":"neutral","sentiment_score":0.036190675726781286},{"text":"Okay.","start":4867.54,"end":4868.04,"sentiment":"neutral","sentiment_score":0.020017702132463455}],"sentiment":"neutral","sentiment_score":0.030929142775546228,"num_words":28,"start":4842.9,"end":4868.04},{"sentences":[{"text":"And that was probably I need to sign that now?","start":4868.26,"end":4871.145,"sentiment":"neutral","sentiment_score":0.011482610367238522},{"text":"Then we jumped out and then went into the next the other one.","start":4871.145,"end":4874.2847,"sentiment":"neutral","sentiment_score":0.01176118628623394},{"text":"That's okay.","start":4874.905,"end":4875.625,"sentiment":"neutral","sentiment_score":0.08866628631949425},{"text":"So that's loading now.","start":4875.625,"end":4876.585,"sentiment":"neutral","sentiment_score":0.1039215624332428},{"text":"Because I wanna get all that done before we finish our phone call so that it's done.","start":4876.585,"end":4882.925,"sentiment":"neutral","sentiment_score":0.10418372097260811}],"sentiment":"neutral","sentiment_score":0.05721442618042878,"num_words":46,"start":4868.26,"end":4882.925},{"sentences":[{"text":"Okay.","start":4896.8804,"end":4897.2803,"sentiment":"neutral","sentiment_score":0.06493540853261948},{"text":"So that's the text file number one.","start":4897.2803,"end":4899.12,"sentiment":"neutral","sentiment_score":0.06297340137617928},{"text":"Okay.","start":4899.12,"end":4899.4404,"sentiment":"neutral","sentiment_score":0.0410827174782753},{"text":"So I'll draw that.","start":4899.4404,"end":4900.625,"sentiment":"neutral","sentiment_score":0.05612506717443466},{"text":"Oh, gosh.","start":4903.325,"end":4904.145,"sentiment":"neutral","sentiment_score":0.08422068133950233}],"sentiment":"neutral","sentiment_score":0.0626515711347262,"num_words":15,"start":4896.8804,"end":4904.145},{"sentences":[{"text":"Today's date.","start":4907.005,"end":4908.125,"sentiment":"neutral","sentiment_score":0.032364288344979286},{"text":"Next document.","start":4908.125,"end":4908.945,"sentiment":"neutral","sentiment_score":0.012316530104726553},{"text":"Click the start.","start":4909.645,"end":4910.625,"sentiment":"neutral","sentiment_score":0.020878534764051437},{"text":"You said ongoing fee.","start":4913.885,"end":4915.325,"sentiment":"neutral","sentiment_score":0.017255809158086777},{"text":"Yep.","start":4915.325,"end":4915.825,"sentiment":"neutral","sentiment_score":0.06191035732626915}],"sentiment":"neutral","sentiment_score":0.02357756959584852,"num_words":12,"start":4907.005,"end":4915.825},{"sentences":[{"text":"Alright.","start":4920.8203,"end":4921.3203,"sentiment":"neutral","sentiment_score":0.09508216381072998},{"text":"I think there's three documents I signed there.","start":4921.38,"end":4924.92,"sentiment":"neutral","sentiment_score":0.07789105363190174},{"text":"I think that yes.","start":4930.1,"end":4932.6353,"sentiment":"neutral","sentiment_score":0.2230873815715313},{"text":"I don't know why it's slow today, but it's Monday.","start":4932.6353,"end":4935.2954,"sentiment":"neutral","sentiment_score":-0.06215452421456576},{"text":"It's usually okay.","start":4935.435,"end":4936.895,"sentiment":"neutral","sentiment_score":0.04545576560000578}],"sentiment":"neutral","sentiment_score":0.04328392976178573,"num_words":26,"start":4920.8203,"end":4936.895},{"sentences":[{"text":"Must be because I'm on holiday.","start":4939.835,"end":4941.2754,"sentiment":"neutral","sentiment_score":-0.07523198487857978},{"text":"It must be okay.","start":4941.2754,"end":4942.335,"sentiment":"neutral","sentiment_score":-0.02776283072307706},{"text":"No.","start":4942.475,"end":4942.955,"sentiment":"neutral","sentiment_score":-0.11931417882442474},{"text":"No.","start":4942.955,"end":4943.455,"sentiment":"neutral","sentiment_score":-0.10795138776302338},{"text":"You know?","start":4945.355,"end":4946.015,"sentiment":"neutral","sentiment_score":-0.1138022430241108}],"sentiment":"neutral","sentiment_score":-0.07266523462853261,"num_words":14,"start":4939.835,"end":4946.015},{"sentences":[{"text":"Talking porkies now.","start":4947.33,"end":4949.31,"sentiment":"neutral","sentiment_score":-0.09569073840975761},{"text":"Okay.","start":4949.97,"end":4950.47,"sentiment":"neutral","sentiment_score":0.005424080416560173},{"text":"You will get the signed documents via email.","start":4951.97,"end":4954.31,"sentiment":"neutral","sentiment_score":0.030509997624903917},{"text":"Okay.","start":4954.37,"end":4954.87,"sentiment":"neutral","sentiment_score":0.0394323356449604},{"text":"I believe it's done.","start":4955.33,"end":4956.5503,"sentiment":"neutral","sentiment_score":0.083389762789011}],"sentiment":"neutral","sentiment_score":0.01973077841103077,"num_words":17,"start":4947.33,"end":4956.5503},{"sentences":[{"text":"Can you you can set it on that end?","start":4957.41,"end":4959.99,"sentiment":"neutral","sentiment_score":0.3230617278152042},{"text":"No worries.","start":4983.63,"end":4984.4497,"sentiment":"positive","sentiment_score":0.4342042952775955},{"text":"Thank you.","start":4984.51,"end":4985.07,"sentiment":"positive","sentiment_score":0.5839326083660126},{"text":"Alright.","start":4985.07,"end":4985.4697,"sentiment":"neutral","sentiment_score":0.27521592378616333},{"text":"Well, I'll talk to you soon.","start":4985.4697,"end":4986.85,"sentiment":"positive","sentiment_score":0.3429574916760127}],"sentiment":"positive","sentiment_score":0.3638395115733147,"num_words":20,"start":4957.41,"end":4986.85},{"sentences":[{"text":"Okay.","start":4990.83,"end":4991.23,"sentiment":"positive","sentiment_score":0.395233154296875},{"text":"Awesome.","start":4991.23,"end":4991.6367,"sentiment":"positive","sentiment_score":0.7844313383102417},{"text":"Thank you.","start":4991.877,"end":4992.6167,"sentiment":"positive","sentiment_score":0.6695957183837891},{"text":"Bye.","start":4993.797,"end":4994.297,"sentiment":"neutral","sentiment_score":-0.09457514435052872}],"sentiment":"positive","sentiment_score":0.4848561570048332,"num_words":5,"start":4990.83,"end":4994.297}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Hi, Carmen. How are you today?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: Good. Thank you. This is Jenna here, phoning from financial.\n\nChannel 1: Nope. You're very faint.\n\nChannel 0: Oh, sorry about that. I'm just I got my headset on. Hopefully is that any better?\n\nChannel 1: Oh, you'll still talk again?\n\nChannel 0: Is that any better?\n\nChannel 1: Yeah. That's better. Thanks.\n\nChannel 0: Okay. That's alright. I try and push the microphone to my face a little better. Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please?\n\nChannel 1: Okay. It's Carmen Ruth Corduroy and Scruffy.\n\nChannel 0: Beautiful. Thank you, Carmen. I appreciate that. How's your day been so far?\n\nChannel 1: Yeah. Good. Good.\n\nChannel 0: Oh, that's good. That's fantastic. So the purpose of my call our call this morning is to go through your annual review.\n\nChannel 1: Mhmm.\n\nChannel 0: Just confirming you have some time to do that.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Fantastic. Alright. Before we move to the review itself, I just wanna\n\nChannel 1: Mhmm.\n\nChannel 0: run through our Saks Fund to make sure that all the details I have for you are correct and relevant still.\n\nChannel 1: Yep.\n\nChannel 0: So I just want to confirm your marital status. Are you single in a partnership?\n\nChannel 1: Single.\n\nChannel 0: Single. Beautiful. And your email address is calmsGabe@Gmail.com?\n\nChannel 1: Yep. Correct.\n\nChannel 0: And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770.\n\nChannel 1: Yep. Yep. Correct.\n\nChannel 0: Fantastic. Alright.\n\nChannel 1: I have a personal address too, though.\n\nChannel 0: Yes. Is that 3 McVeigh Place, Rootie Hill, New South Wales 2766?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Beautiful. We do have that. Thank you. Instead of previous address, I'm gonna update that as postal address. Fantastic.\n\nNow I have that you have one dependent. Is that Gabriel?\n\nChannel 1: Yep. Oh,\n\nChannel 0: Yep.\n\nChannel 1: he's not paying now. So\n\nChannel 0: No. He's\n\nChannel 1: working\n\nChannel 0: nineteen. Okay. And he's listed as your next of\n\nChannel 1: on\n\nChannel 0: kin. Is that correct?\n\nChannel 1: yeah. Correct.\n\nChannel 0: Fantastic. And we've got his mobile number ending in 19198.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Fantastic. Thanks for that comment. I'm just gonna move on to some more personal details in relation to yourself. Your occupation,\n\nChannel 1: Yep.\n\nChannel 0: we have here listed as an Aboriginal specialist officer. Is that correct?\n\nChannel 1: Still there.\n\nChannel 0: Beautiful. And the amount in the office and the field hasn't changed? We had a\n\nChannel 1: Yes.\n\nChannel 0: thirty seventh. Yep. Fantastic.\n\nChannel 1: Yeah. It's doing tracking services.\n\nChannel 0: Beautiful. And still working thirty eight hours a week on a full full time basis?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yep. Okay. We have your income here as 110,000 per annum. Is that right?\n\nChannel 1: I it may have gone up to about 113.\n\nChannel 0: Okay. Beautiful. And is that oh, gosh. My fingers are not working today. Does that include any penalties or overtime, or is that just the base?\n\nChannel 1: That's just the base.\n\nChannel 0: Just the base. So do you have any idea what it would be with any overtime if you did do any?\n\nChannel 1: I actually take\n\nChannel 0: Okay.\n\nChannel 1: no. I don't because I don't really do overtime. I got wonderful,\n\nChannel 0: Beautiful.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: not actual overtime.\n\nChannel 0: Okay. Alright. Fantastic. And we have your expenditure here listed at 1,100 a week. Would that still be correct?\n\nChannel 1: Yeah.\n\nChannel 0: And do\n\nChannel 1: Wait.\n\nChannel 0: you\n\nChannel 1: Sorry.\n\nChannel 0: have\n\nChannel 1: What\n\nChannel 0: it\n\nChannel 1: was that? The rent?\n\nChannel 0: expenditure.\n\nChannel 1: Oh, around 1,100 a month, was it, or fortnight?\n\nChannel 0: A a week, we have it down as.\n\nChannel 1: Yeah. Not much. Nothing's changed. The rent's\n\nChannel 0: No.\n\nChannel 1: still everything's the same.\n\nChannel 0: Beautiful. And are you sorry. Are you accumulating any savings per\n\nChannel 1: Sorry. I've only just started. So I\n\nChannel 0: week?\n\nChannel 1: I have a an account that's not\n\nChannel 0: Yep.\n\nChannel 1: linked to any of my other accounts. But like\n\nChannel 0: Yep.\n\nChannel 1: I said, I only just started, so I got $400 in. So not nothing much at all.\n\nChannel 0: That's\n\nChannel 1: But I am and I've only started buying Bitcoin.\n\nChannel 0: okay.\n\nChannel 1: Is it Bitcoin?\n\nChannel 0: Yep.\n\nChannel 1: No. It's like different different parts of Bitcoin. So\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'll just jump into it now. Again, I've only just started, so I'm thinking that we need to do something because so, yeah, it's $464 and\n\nChannel 0: And how much are you putting into that on a regular\n\nChannel 1: 30\n\nChannel 0: basis?\n\nChannel 1: 4¢. Well, I try to do a 100 a fortnight.\n\nChannel 0: Yep.\n\nChannel 1: Like I said, I've only just started. So\n\nChannel 0: That's okay. And is that the same as your savings? How much are you putting in that\n\nChannel 1: 100\n\nChannel 0: on a\n\nChannel 1: as\n\nChannel 0: regular?\n\nChannel 1: well, and that's separate.\n\nChannel 0: Yep. Beautiful. Alright. Fantastic. Thank you.\n\nAre you making any additional contributions to super at all, like, sorry, sacrificing?\n\nChannel 1: No. No.\n\nChannel 0: No?\n\nChannel 1: None of that. Just the just the usual.\n\nChannel 0: Yeah.\n\nChannel 1: I do buy silver,\n\nChannel 0: It\n\nChannel 1: though.\n\nChannel 0: yeah. I do have a note of that here. What's that valued at now?\n\nChannel 1: Oh, I reckon around $3. Because I'm only\n\nChannel 0: Yep.\n\nChannel 1: buying, like, one coin, like, at $56 a fortnight. So and to\n\nChannel 0: Did\n\nChannel 1: be honest,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: say\n\nChannel 1: forgot\n\nChannel 0: 50\n\nChannel 1: about that.\n\nChannel 0: 6?\n\nChannel 1: Yeah. That's what I'm buying.\n\nChannel 0: Okay.\n\nChannel 1: So whether it's a coin or a particular\n\nChannel 0: Okay.\n\nChannel 1: coin. But, yeah, I'm roughly looking around $3.\n\nChannel 0: Beautiful. Fantastic. With your superannuation, you are you looking at making any additional contributions to super to work towards retirement plans and goals or\n\nChannel 1: Well, I haven't, but\n\nChannel 0: no?\n\nChannel 1: I probably need to look at that.\n\nChannel 0: Yeah. Okay. I'm gonna yeah. Sorry?\n\nChannel 1: I'm not sure, like, how much additional or\n\nChannel 0: Yep. Okay. I'm gonna make a note of that so we can circle back to that shortly. Always a good thing to have as a bit of a discussion piece.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We now moving on to debt, we had a per with personal loan of 12,900. Is that still correct?\n\nChannel 1: I still have the debt, but it's reduced considerably.\n\nChannel 0: Yes? What would it be now?\n\nChannel 1: I'll tell you in a minute. I'll just jump in and have a look. And it decides to the Internet's slow here today.\n\nChannel 0: It's always the way, isn't it? When you need it, it's it's difficult.\n\nChannel 1: Yeah. It's not usually this slow, but okay. $6,564.42 is what is remaining.\n\nChannel 0: Wonderful. And how much you pay on that per fortnight or per week?\n\nChannel 1: $2.50 a fortnight.\n\nChannel 0: Fantastic. And we had a credit card listed with a $4,000 balance. Is\n\nChannel 1: It's\n\nChannel 0: that still\n\nChannel 1: gone.\n\nChannel 0: that gone? Zero? Do you\n\nChannel 1: Yep.\n\nChannel 0: have is the\n\nChannel 1: Gone.\n\nChannel 0: credit\n\nChannel 1: Zero.\n\nChannel 0: card in\n\nChannel 1: Card destroyed. Account\n\nChannel 0: yep.\n\nChannel 1: no longer.\n\nChannel 0: Fantastic. Well, great strides you've taken. So that's brilliant. And a car lease. Do you still have that?\n\nChannel 1: Sorry?\n\nChannel 0: A car lease?\n\nChannel 1: A car?\n\nChannel 0: Yeah. A lease on a car\n\nChannel 1: Oh,\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: moved.\n\nChannel 0: it\n\nChannel 1: Yes. Yes. Yes. Sorry. I was gonna do\n\nChannel 0: yeah.\n\nChannel 1: that. Sorry.\n\nChannel 0: No. That's okay. Do you know where when the term is supposed to end? How much debt is remaining on it? Do you have any of those details?\n\nChannel 1: No. I just pay a $100 of full $200 a fortnight.\n\nChannel 0: Yep.\n\nChannel 1: It's through my brother. So he because he works for a car company, and they\n\nChannel 0: Yep.\n\nChannel 1: leased it through, you know, for family.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: and it just gets, I I at least twelve months. I\n\nChannel 0: Okay.\n\nChannel 1: get a new car and just continue to pay. So, yeah, it's that way.\n\nChannel 0: Okay. Okay. So every twelve months, new car.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Alright. Beautiful. Any other assets or\n\nChannel 1: No. I've told you everything. I feel very bare.\n\nChannel 0: debts? Well, I've I've you could still bear with me. I'm not gonna repeat anything. You're completely fine. Have you ever been declared bankrupt?\n\nChannel 1: No.\n\nChannel 0: No? Fantastic. And moving on to health and lifestyle, I note that you were a smoker approximately sixteen plus years ago. Is that still the case being a nonsmoker?\n\nChannel 1: Yep. Yep. I'll\n\nChannel 0: Beautiful.\n\nChannel 1: never go back to that.\n\nChannel 0: Good. That's lovely. And your health is still good?\n\nChannel 1: Yeah. Yeah. I'm back in training.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: I had an I had a note here that you had high blood pressure. Is are you still taking a tablet for that?\n\nChannel 1: I am. I am doing\n\nChannel 0: Yes.\n\nChannel 1: that. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: That's\n\nChannel 1: it's, yeah,\n\nChannel 0: fine.\n\nChannel 1: it's managed very well, actually, at the moment. So\n\nChannel 0: That's fantastic. That's always good news. Alright. And we had your weights down at a 101 kilos. Is that still correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And lastly, on my little list of invasive questions, do you have your estate planning? Do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. Okay.\n\nChannel 1: I should probably get one and give\n\nChannel 0: Yes.\n\nChannel 1: everything\n\nChannel 0: Yes. Yes. Yes.\n\nChannel 1: to\n\nChannel 0: We\n\nChannel 1: my\n\nChannel 0: can\n\nChannel 1: son.\n\nChannel 0: I'll I'll touch on that shortly shortly with you as well. We'll we'll cover off those areas, particularly in relation to your super and your insurance and how how that will be passed if\n\nChannel 1: Yep.\n\nChannel 0: something was to happen to you. So we'll run through that from an estate planning perspective. And I'm just gonna circle back to your original goals and objectives that you had last time that you had a review.\n\nChannel 1: Yep.\n\nChannel 0: You wanted to pay down your personal debt and start being able to save to travel or\n\nChannel 1: Yep.\n\nChannel 0: possibly buy a home in the future. As that's I know that you're working really well towards paying down your debt. I can see that from how much progress you've made. Are you still looking at buying a home? Are you still looking at traveling?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you when do you think you would buy your home?\n\nChannel 1: Not too sure.\n\nChannel 0: Mhmm.\n\nChannel 1: Whilst I'd like to do that, it's probably not something that's in the immediate future.\n\nChannel 0: Yep. Okay.\n\nChannel 1: If that makes sense, which\n\nChannel 0: It\n\nChannel 1: yeah.\n\nChannel 0: does. Yep.\n\nChannel 1: And and probably yeah. But it will happen. It will it will happen.\n\nChannel 0: Okay. And traveling, have you got any special travel plans?\n\nChannel 1: Yeah. Yeah. Greece next year.\n\nChannel 0: Oh, lovely. That sounds very exciting. How long are you gonna go for?\n\nChannel 1: We haven't figured that out yet because it's a friend of ours who's moved over to Greece and looks like she's gonna get married. So we're waiting\n\nChannel 0: Oh,\n\nChannel 1: to hear on the date. What's that?\n\nChannel 0: wow. And what a beautiful oh, it's absolutely beautiful. That's very exciting. Something\n\nChannel 1: Yeah.\n\nChannel 0: nice nice to look forward to, and that's beautiful. Hopefully, it's in, like, the Greek islands or something.\n\nChannel 1: Yeah. Crete.\n\nChannel 0: Okay. Beautiful. Yeah. Nice.\n\nChannel 1: Yeah. So, yeah, we'll so I'm working towards that.\n\nChannel 0: Mhmm.\n\nChannel 1: But, yeah, I've gotta go and get my tax done too. So I haven't done that yet. So then I'll go back go towards the house the house. Sorry. The holiday.\n\nStarted with a h.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: I'm on holidays at the moment, so I'm like, yay. Not\n\nChannel 0: Yep.\n\nChannel 1: a care in\n\nChannel 0: Yep.\n\nChannel 1: the world.\n\nChannel 0: Holiday mode. Fantastic.\n\nChannel 1: No. I'm just not on, which is nice.\n\nChannel 0: That's that's absolutely fine. Do you have someone that you that does your tax for you? Do you have someone that does your tax for you?\n\nChannel 1: Sorry? Yeah. We're gonna head out to\n\nChannel 0: Yep.\n\nChannel 1: an accountant, my son and I, so\n\nChannel 0: Yep.\n\nChannel 1: we'll get that\n\nChannel 0: Okay.\n\nChannel 1: done\n\nChannel 0: Beautiful.\n\nChannel 1: in the next couple of weeks.\n\nChannel 0: Fantastic. The other there's a cut there's three more goals. One of them was you want to live comfortably and not have to worry about anything. Is that does that refer to now or in retirement?\n\nChannel 1: In retirement.\n\nChannel 0: Yep. Okay. Beautiful. What does comfortable look like for you in retirement? Yep.\n\nChannel 1: I think just not scrimping and scraping and just, yeah, being able to live comfortably, not have to watch every penny. You know?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And\n\nChannel 0: That\n\nChannel 1: not not live paycheck to paycheck,\n\nChannel 0: is yeah. Yep.\n\nChannel 1: that phrase.\n\nChannel 0: Yep. What do you when it comes to retirement, what do you what kind of income do\n\nChannel 1: Ideally, I'd like to say what I get now, but, look, if that probably won't be what can I say that?\n\nChannel 0: Yeah. Of course you can. And, like, you know, we can look at ways that we can work towards that if it's if it's something that we need to you know, it's a long term plan, obviously, given that you still go a little bit away from retirement. But in saying that as well, what age do is the ideal retirement age for yourself?\n\nChannel 1: Yep. Well, I think I'd like I can't retire until 67. So I've got about four\n\nChannel 0: That\n\nChannel 1: views.\n\nChannel 0: yes. So 67 is the age pension age, not the access to superannuation, etcetera. So what we if if there was a reliance on central on the age pension to fund part of your income needs, that's something we'd factor into, but you don't have to necessarily retire at the age pension age. You can for example, some people say 60 or 65 or they wanna potentially reduce their hours at the age of 60 and, you know, something that you you have to answer right now. This is something that, you know, we can keep working on over time.\n\nAnd that's\n\nChannel 1: Okay.\n\nChannel 0: where the sacrifice might come in where we go, okay. We need to look at putting some additional money into super over crypto or silver, for example, and really build that super in that tax effective environment for your future retirement. So they're they're the things that we can look at.\n\nChannel 1: Oh, it's good. Oh, okay.\n\nChannel 0: Yeah. So in an ideal world, if I said to you, Carmen, when would you like to retire? What what would your answer today be? 60? Do you think you'd retire, like, permanently or reduce?\n\nChannel 1: 60? Reduce. I\n\nChannel 0: Yeah.\n\nChannel 1: can't see myself not doing anything,\n\nChannel 0: Yes.\n\nChannel 1: so I would need to do something. And whether I'm doing what I'm doing now or, you know, if I start a business or\n\nChannel 0: Yep. Yep.\n\nChannel 1: or whatever.\n\nChannel 0: Beautiful.\n\nChannel 1: You\n\nChannel 0: Okay. Do you think you'd I in an ideal\n\nChannel 1: know?\n\nChannel 0: world, again, very hard to answer that we're talking future state. Reducing, would you talking future state. Reducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60?\n\nChannel 1: Well, I'd like I'd like to start off with four days a week\n\nChannel 0: Yep.\n\nChannel 1: and then just reduce it down over time.\n\nChannel 0: Over time. Yep. Beautiful. Alright. That gives me something some good good figures and time frames to work with\n\nChannel 1: Yeah.\n\nChannel 0: to project out what we need to do, look at strategies in helping you achieve that. The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son.\n\nChannel 1: Yes.\n\nChannel 0: Your life insurance, we'll go over in a moment and make sure that they're adequate for those needs and see if there's any need to reduce or increase cover. And and then we're gonna go through your other goal of making sure that your funds are invested and working working hard for you to help build that retirement income. Are there\n\nChannel 1: Okay.\n\nChannel 0: any other goals there that we need to that you have in mind that you've thought of since your last review?\n\nChannel 1: No. Not really. I think I'd like to travel regularly\n\nChannel 0: Yes.\n\nChannel 1: in my retirement.\n\nChannel 0: Yes. Yep.\n\nChannel 1: I'd\n\nChannel 0: Yep.\n\nChannel 1: be a regular traveler.\n\nChannel 0: Yep. Overseas or\n\nChannel 1: Yep. Yep.\n\nChannel 0: yep.\n\nChannel 1: Overseas and also\n\nChannel 0: Yep. And being a regular your,\n\nChannel 1: domestic. Maybe once every two years.\n\nChannel 0: let your, let's call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need?\n\nChannel 1: If I can and if it could be funded, you know, from, say, the fortnightly income. Yeah. That can just put a little bit away and then, you know, like, save that.\n\nChannel 0: Yep. Mhmm. Okay.\n\nChannel 1: Yeah. So Yeah. So\n\nChannel 0: Alright. Fantastic. Alright. Fantastic. Alright.\n\nWe can definitely look at that. What would you budget for on these holidays every two years? What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday? What would be your budget that I could factor in?\n\nChannel 1: Oh, dear. It depends on where I went. Hey. And what the what the economy's like, you know, the currency.\n\nChannel 0: Yeah. Exactly. I think in these scenarios, it's it is hard to answer those questions, but I would always go on the overestimating as opposed to underestimating.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I mean, we can definitely factor it in and see what we can do to make sure that that if that happens. And, you know, depending on the economy at the time of when you are traveling, that's where you might you would probably need to factor that in and say, oh, even though I would like to travel to, let's just say, Canada and do an Arctic cruise this to you this this holiday, it's probably not likely we could revisit that in the next holiday\n\nChannel 1: Yes.\n\nChannel 0: and see if it's more doable then. So there are things that you'd just probably cross the bridge as you came to it. But I think just having an idea or a budget for yourself on what you would think that you would you would budget for would\n\nChannel 1: Yep.\n\nChannel 0: help in respect to really seeing what we need to do to get you there.\n\nChannel 1: Okay. I'm just I was just thinking then I could probably start putting funds away for that now.\n\nChannel 0: Well, you could, but the what we would probably look at doing is comparing. And I will do this as I as I go away and, you know, look at our our conversation and see what we can do is you could, but the other option is is that there's the option to put it into superannuation as well via that additional contributions to super. So if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible. And from 60 onwards, we would look at funding that through your retirement income work and a combination of both.\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: Yep. So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage?\n\nChannel 1: Look. The only one I can think of is around $50.\n\nChannel 0: Yeah. Okay. Alright. Leave that with me. I'm gonna have some play with some figures.\n\nDo you have access to your emails at the moment?\n\nChannel 1: I do.\n\nChannel 0: Alright. Beautiful. I'm just going to I'm about to hit send on an email that you'll receive that has a bunch of documents attached, and it will come from the email address odu sign. These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment. So if you let me know when you have that,\n\nChannel 1: Okay.\n\nChannel 0: I'm gonna run through them with you.\n\nChannel 1: So you want me to sign that?\n\nChannel 0: Not at the moment. No. So there's two documents at the end we'll get you to sign, but it won't let you sign anything until we've run through everything anyway. So if you can just open the attachments, we're gonna run through them briefly. And,\n\nChannel 1: Okay. Is the attachment on it?\n\nChannel 0: a it should be a a link that you can click on to open them.\n\nChannel 1: No. It's just got signed document.\n\nChannel 0: If you click sign, it\n\nChannel 1: Okay. No.\n\nChannel 0: should open it. Sorry. That's my mistake there.\n\nChannel 1: No. That's fine. Okay. Yep.\n\nChannel 0: Yep. Yep. Fantastic. So is the first document you've got viewable a financial summary of your super and insurance?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age. So that will continue to sit as is\n\nChannel 1: Yep.\n\nChannel 0: with no\n\nChannel 1: Is that is that depreciating at all?\n\nChannel 0: Let me have a look. I'm gonna jump into your previous one. I won't be at the moment. No. As it's yeah.\n\nSo your review last year in February 2025, the balance was sitting at $3.35. 335. So it is indexing, and it does have some underlying investments in there, not just the fixed interest component. So it's we we would anticipate to continue to see growth, but it just\n\nChannel 1: I'm sorry.\n\nChannel 0: might not\n\nChannel 1: I can't hear you.\n\nChannel 0: oh, sorry. I think it might be this headset, to be honest with you. The as at your last and your review, which was February 2025, can you hear me better now?\n\nChannel 1: Yeah. Yeah. Much better.\n\nChannel 0: Yep. Yep. The balance was 335,000 approximately, so rounded.\n\nChannel 1: Mhmm.\n\nChannel 0: So that was a balance based on 2023 because we didn't have up to date information. So I'm just gonna jump in now and see your '23. Okay. I have a PSS statement here. So at 06/30/2025, it was 382,783.\n\nSo it's not depreciating at all.\n\nChannel 1: Okay.\n\nChannel 0: We just wouldn't expect to see the same sort of growth as a, say, a hub, for example, a retail platform. Because in the underlying investments in a fund like a defined benefit is a lot of income defensive assets with some exposure to growth assets. So definitely not depreciating. But, yeah, you wouldn't expect to see the growth that in a in a typical superannuation accumulation fund as you have now as well.\n\nChannel 1: Alright. No. Well, that's good. Because I I thought I thought there was more, to be honest. I thought there was at least 500.\n\nAnd then\n\nChannel 0: There might there might be that value. I'll check. What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records. The value for that would have been taken from sorry. Won't be a moment.\n\nIt looks like last year late last year. So if you do have a current statement at all or a a a a screenshot of a login or anything like that. If you can send that through to us, we can make sure our records are updated to to reflect that.\n\nChannel 1: Yeah. I have an oh, dear. I'm gonna have to jump back in.\n\nChannel 0: Well, that's okay. It's not urgent. I can send you an email post our our meeting with any details that you can just respond to if you like.\n\nChannel 1: Yeah. That would\n\nChannel 0: Yep.\n\nChannel 1: be good because I've got really bad Internet connection today. I'm not sure why. But\n\nChannel 0: That's fine. I will make a note of these, and I can send through an email post our meeting. That's absolutely fine. I've got we've got you have your Hub twenty four account, which you'll see and a balance of 225,278.\n\nChannel 1: Yep.\n\nChannel 0: We'll run through the performance of that. To date, are you happy with Hub as a platform and a\n\nChannel 1: Yeah.\n\nChannel 0: provider? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And we have your TEL insurance, which is funded through your Hub twenty four super balance. So what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it. We've got your life insurance at a 110,250. Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, including\n\nChannel 1: Yep.\n\nChannel 0: enough for a funeral. Do you think do you believe that the 110 is still appropriate given your levels of debt now, or are you thinking that you would decrease it? The other question is is when you do purchase a house, do you think there'll be debt attached to that house?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. I don't know. I don't I'm gonna be honest. I just don't\n\nChannel 0: you just don't know. Yeah. Yeah. And that's that's absolutely fair. They're not easy questions to ask.\n\nSo if you I guess if I broke it down in a different way, when when it comes to\n\nChannel 1: know.\n\nChannel 0: purchasing a home that you believe will be in the future, would you do that through retirement funds? Would you do that through potential future inheritances, or will you be doing it through savings and getting a mortgage?\n\nChannel 1: I'd like to get it through savings and mortgage\n\nChannel 0: Yep.\n\nChannel 1: so I could leave my super.\n\nChannel 0: Yep.\n\nChannel 1: And, you know, like, I'm just looking at different ways I can do that.\n\nChannel 0: Yes. Yep. Alright. Beautiful. Given that you're not certain about the the a way that you would approach per purchasing a property, I probably wouldn't make any recommendations of decreasing any existing life or TPD cover at this stage just because\n\nChannel 1: Yep.\n\nChannel 0: if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it. But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Because\n\nChannel 0: time.\n\nChannel 1: it whilst I'd like to, it may not actually happen. You know?\n\nChannel 0: Yes.\n\nChannel 1: Like, I'm 53, to be honest.\n\nChannel 0: Yep. Yep.\n\nChannel 1: You know? Like, the reality is I'm 53. I probably got as as even though I would like to retire at 60,\n\nChannel 0: Mhmm.\n\nChannel 1: perhaps the reality is it's not gonna happen till 67. Do you know what I mean? Like,\n\nChannel 0: Yes.\n\nChannel 1: in line with the age pension. So it's like these those variables too\n\nChannel 0: Yes.\n\nChannel 1: that, you know, who's gonna lend money to a 50 year old woman, you know, with only a few years left.\n\nChannel 0: Yeah. Those\n\nChannel 1: Yeah.\n\nChannel 0: those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration. Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of\n\nChannel 1: Yeah. Look, I'd love to.\n\nChannel 0: yours.\n\nChannel 1: I'd love to have\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Yep.\n\nChannel 1: That may not happen in this today's financial environment. You know?\n\nChannel 0: Yes.\n\nChannel 1: And it's just\n\nChannel 0: I under\n\nChannel 1: me. Like, I'm not married. I don't have a partner. It's just my income.\n\nChannel 0: Yeah. Okay. Alright. Well, I'm gonna still leave it there as a goal of yours because it is still a goal, and we can keep revisiting that. I also have your income protection here at $5,304 per month.\n\nThat will cover you if you are unable to work due to injury or illness. I'm just double checking now to make sure. You're probably a little bit underinsured in if I look at it compared to your income that you're earning.\n\nChannel 1: Mhmm.\n\nChannel 0: You're you're shy about a thousand dollars a month, we can look at increasing that benefit amount. So it's 5,300. If your income is around the 113,000 mark, we can look at ensuring that for oh gosh. I did the wrong thing there. It's it's about the 6,500 a month mark.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: I'm not sure if you so what that means is going when you took the cover out, you might remember that you had to go through underwriting and complete a a lot of medical information and financial information.\n\nChannel 1: Yep.\n\nChannel 0: So any any increases we do make, that would require the same process, but it would not impact your existing cover. So it would only impact any underwriting would only be on the additional cover that you're applying for.\n\nChannel 1: Okay. Because I'm on holidays at the moment, I can't log in to my computer.\n\nChannel 0: Yep.\n\nChannel 1: But I'm back next week.\n\nChannel 0: Yeah.\n\nChannel 1: I've got training on Wednesday Wednesday, Thursday. So Friday next week, I can probably jump in and actually give you, like, the the correct income.\n\nChannel 0: Okay. Fantastic.\n\nChannel 1: And then we can probably log in\n\nChannel 0: What\n\nChannel 1: to that like, work from that.\n\nChannel 0: exact.\n\nChannel 1: Because\n\nChannel 0: That's\n\nChannel 1: I think I've got a bit of a raise and increment.\n\nChannel 0: Okay. Yep. Alright. We can do that. I'll add that to our email for you to send through, so that's absolutely fine.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. Alright. So we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage. And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance. Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events.\n\nSo they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable. The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP. IP, probably IP, sorry. Income protection, it's probably one of the most claimable policies. So you I just note that you don't have any of that.\n\nI'm just wondering if you are interested in looking at trauma\n\nChannel 1: How much would that be?\n\nChannel 0: insurance. That depends. So that is dependent on the the some insured and the company. So what we do is I'll I'll go away and look at your do some research at in the market. And the the sum insured would be based on your what it is that you're wanting those funds for.\n\nSo, typically, a trauma policy is something that people will claim on when their illness is typically or the injury is not terminal, so there's a recovery period that you need to be able to get back up on your feet. Some may use it pay off a little bit of debt to take that that\n\nChannel 1: Mhmm. Pressure off.\n\nChannel 0: pressure off. Thank you. Thank you. That's the\n\nChannel 1: That's\n\nChannel 0: word\n\nChannel 1: okay.\n\nChannel 0: I was looking\n\nChannel 1: I know what you're\n\nChannel 0: for.\n\nChannel 1: talking about.\n\nChannel 0: And, you know, because in some cases as well, it might be that you're back at work before your income protection policy kicks in. So it really is dependent on what you would want covered, if there's out of pocket medical expenses, those types of things. So I can definitely run some calculations. It would just depend on did you want an act cover for out of pocket medical expenses, debt repaid, those items.\n\nChannel 1: Okay. I'd like to say no, but I think I need to say yes.\n\nChannel 0: We can look at it and recommend it whether and, you know, we can work with you on the affordability of it. But\n\nChannel 1: Yeah.\n\nChannel 0: my re what typically we would look at is definitely out of pocket medical expenses. And because sometimes there are, even in the public health system, unfortunately, with even with things like cancer. I've seen myself with with friends. There is the cost of treatment. If it's not covered or you don't meet a certain what is it?\n\nGrade of cancer, then you do need to pay for treatment. So we definitely look at things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: And then it would be a question of would you want the the debt that you have outstanding covered so you didn't have to worry about that and some income.\n\nChannel 1: Yeah. Yeah. I was just thinking about that too. But\n\nChannel 0: Yeah.\n\nChannel 1: I don't have that, but, yeah, I know people who have and\n\nChannel 0: Yeah. Yeah. Let\n\nChannel 1: yeah.\n\nChannel 0: me play with some figures, and I'll do what we would typically recommend. We can then have a conversation from that and work our way backwards. And it might be that we just catch up again before we do once I've done all this research to run through some of the details that I've found, and we can go\n\nChannel 1: Okay. Cool.\n\nChannel 0: from\n\nChannel 1: Thank you. Because it's like, oh, gosh. What do I\n\nChannel 0: there.\n\nChannel 1: I don't know.\n\nChannel 0: I know. I know.\n\nChannel 1: And that's\n\nChannel 0: There's a\n\nChannel 1: it. It's\n\nChannel 0: sorry?\n\nChannel 1: a reality. It is a reality to look at even though you\n\nChannel 0: Mhmm.\n\nChannel 1: don't want to.\n\nChannel 0: Yeah. That's right. That's right. Yeah. It's something that we've probably or experienced to some degree, whether it be a family member, a friend, or even\n\nChannel 1: Yep.\n\nChannel 0: ourselves.\n\nChannel 1: Somebody there. And you\n\nChannel 0: Yeah.\n\nChannel 1: see the\n\nChannel 0: So\n\nChannel 1: Get Started and Fixed Financial as on that?\n\nChannel 0: yeah. Yes. Yeah. Definitely. So I'll definitely add that to my list of little of items to conduct a little bit of research on.\n\nThe next document in your review pack is should be a performance report from Hub twenty four. Is that the next\n\nChannel 1: Okay.\n\nChannel 0: one that\n\nChannel 1: Yep.\n\nChannel 0: you have?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So from that, the second page will show you a return a net return. So this is gross after fees, sorry, of 6.52%. Now your risk profile is a gross risk profile,\n\nChannel 1: Yes.\n\nChannel 0: and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile. The return on a growth risk profile would sit between the seven to 9% mark, which is reflective. If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund. It's had a significant loss in the last twelve months. If you can see in brackets, it's a loss of 21.28%.\n\nChannel 1: That's\n\nChannel 0: Now\n\nChannel 1: a lot.\n\nChannel 0: it is. It is. Now that's not reflective of the actual Australian share market as a whole. It's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them. Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors.\n\nSo with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return. So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial. So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable\n\nChannel 1: Yeah. They're not performing. We have to\n\nChannel 0: with that. Yep. Correct.\n\nChannel 1: so let me move on\n\nChannel 0: Yep.\n\nChannel 1: to the next one.\n\nChannel 0: Yeah. Yeah. Yep. But overall, even though that was a large dip, the fact that you've still had a positive return from the great performance of your other assets within there is\n\nChannel 1: Mhmm.\n\nChannel 0: is really favorable. The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF. Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the bank\n\nChannel 1: Oh.\n\nChannel 0: hybrid. Yeah. So all that is in it's not all. The it forms part of your defensive portfolio. So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest.\n\nNow the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund. So it's not that it's performing badly or anything is the reason why we wanna look at it. What we why we I personally would like to look at it is it is being phased out of the market. So by January 2027, I believe, is when they will cease the hybrids. I think I'd rather prefer to be proactive in that space and look at if there are are better options available for you.\n\nSo if you're happy with that,\n\nChannel 1: Yep.\n\nChannel 0: I'd like to do a little bit\n\nChannel 1: Yeah.\n\nChannel 0: of research on that\n\nChannel 1: Yeah. Let's not wait. Let's\n\nChannel 0: also.\n\nChannel 1: yeah. Like you said,\n\nChannel 0: Yeah.\n\nChannel 1: let's be proactive and\n\nChannel 0: Yeah. Definitely. Do you with your portfolio with Hub, do you have any questions?\n\nChannel 1: No. I think apart\n\nChannel 0: No.\n\nChannel 1: from that, then along,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: which was, you know, disappointing.\n\nChannel 0: Yes. Yes. Definitely.\n\nChannel 1: But, you know, that's stock market, isn't it really?\n\nChannel 0: Yeah. Of course. And and with a gross risk profile, you're looking at about every one in five years of having a negative return. So even though you haven't had a negative return overall, you have had a negative impact to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But, also, you've got 80% allocation to your growth assets. So you are you are definitely gonna experience market ups and downs. But with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested in. So you do have time, and staying in a gross risk profile, if you're comfortable with that, having the 20% split with your time frame, I would rely on you to tell me whether you are still comfortable with that based on your retirement age.\n\nChannel 1: Yeah. Because I don't wanna put it all into growth.\n\nChannel 0: No. No. No. What we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months,\n\nChannel 1: Yep.\n\nChannel 0: looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you. And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast. So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area\n\nChannel 1: Yeah.\n\nChannel 0: with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that. But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30%\n\nChannel 1: Hello?\n\nChannel 0: defensive. So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years. So that's something that we would definitely look at doing as you approach retirement\n\nChannel 1: Yep.\n\nChannel 0: and on on your also your comfort with risk. So I think probably there's two\n\nChannel 1: Okay. Let's do that.\n\nChannel 0: aggressive investment you have ever made? So you can look at this from your superannuation fund or even you're you're doing crypto at the moment. So I'd probably say you're quite a aggressive investor that understands risk. Would you say that?\n\nChannel 1: Yeah. Because\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: I check\n\nChannel 0: if\n\nChannel 1: it and I go, okay. Lost a little bit. But\n\nChannel 0: that's good. So we've got direct shares and managed funds. So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk. So that's the answer to that question. The with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market?\n\nSo there's a couple of questions here. Number or answers, I should say. Number one, you're willing to accept very high risk to outpace inflation. Number two, you're willing to accept high risk to outpace. So basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at all.\n\nChannel 1: Like gambling, isn't it?\n\nChannel 0: It is.\n\nChannel 1: Do I choose the black or the red? Do I just go down?\n\nChannel 0: Look. It it just gives us an idea of your risk tolerance. So there's no right or wrong answer. It just helps us understand better where we where risk can become concerning\n\nChannel 1: My age comes into play too, doesn't it?\n\nChannel 0: little bit. Yeah. I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week. That's still seven years in the market. So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage.\n\nAnd then even it's even longer if it's if it your retirement does push out. Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio. So it's, yeah, it's up to it's really your comfort level.\n\nChannel 1: So I get a sense I should be sitting between moderate and high.\n\nChannel 0: It's completely your gut feeling.\n\nChannel 1: So what were the options then?\n\nChannel 0: Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at all.\n\nChannel 1: I'm gonna sit in the safety zone of moderate.\n\nChannel 0: Moderate. Perfect. That's absolutely fine. Now the next question is, if how would you feel if in six months after investing, you found out that your portfolio had dropped by 20% just due to the general trends and ebbs and flows of the market, would you want to, number one, invest more for heavy growth? Number two, invest modest modestly for heavy growth, hold and wait, shift to defensive asset, minimizing your losses, or convert to cash.\n\nChannel 1: I think I'd shift.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Although I like the growth idea, but I think at my age,\n\nChannel 0: Yeah.\n\nChannel 1: there's not that\n\nChannel 0: Yeah.\n\nChannel 1: much time.\n\nChannel 0: Yep. That's absolutely fine. And what kind of return would you expect to get from your superannuation long term? So 8% or above, six to 8%, four to six, two to four, or zero to two.\n\nChannel 1: 8%.\n\nChannel 0: Yep.\n\nChannel 1: Is that asking too much?\n\nChannel 0: No. And no. This just gives us an idea of your tolerance to risk. So,\n\nChannel 1: Do\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: mean,\n\nChannel 1: know\n\nChannel 0: I think\n\nChannel 1: I'm sorry. Can we go back\n\nChannel 0: yeah.\n\nChannel 1: to the moderate to high and very high?\n\nChannel 0: Of course, we can.\n\nChannel 1: I'm actually I'm actually thinking I said moderate. That's for the safe one, but I actually thinking high.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Like,\n\nChannel 0: That's\n\nChannel 1: just my\n\nChannel 0: a\n\nChannel 1: intuition because I know that if you don't bet big, you don't get big back. But I don't\n\nChannel 0: Yes.\n\nChannel 1: wanna bet big and lose big\n\nChannel 0: Yeah.\n\nChannel 1: either, but there's no guarantee.\n\nChannel 0: That's correct. Yeah. And what you're saying makes sense. So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with.\n\nChannel 1: Yeah.\n\nChannel 0: So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach.\n\nChannel 1: Because I'm thinking and and the thing that's at the forefront here is my age and,\n\nChannel 0: Yep.\n\nChannel 1: you know, like, I'm not even 45. You know?\n\nChannel 0: Yep.\n\nChannel 1: Mhmm. So to and it whilst I need growth as in to be there\n\nChannel 0: Mhmm.\n\nChannel 1: later in life, I think where I'm sitting now is that there needs to be a level of risk to hopefully ensure that there will be that pot of gold at the end.\n\nChannel 0: Mhmm. Mhmm. Yes. Yep. Yeah.\n\nAnd and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well. So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature.\n\nChannel 1: Okay.\n\nChannel 0: So that so\n\nChannel 1: Yeah.\n\nChannel 0: that's the thing\n\nChannel 1: So,\n\nChannel 0: we\n\nChannel 1: like, a\n\nChannel 0: will\n\nChannel 1: safety\n\nChannel 0: look\n\nChannel 1: net kind of\n\nChannel 0: at.\n\nChannel 1: thing as long\n\nChannel 0: Yes.\n\nChannel 1: as it doesn't exceed the\n\nChannel 0: Yeah.\n\nChannel 1: PSS.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Alright. Put\n\nChannel 0: So\n\nChannel 1: me up to high\n\nChannel 0: the\n\nChannel 1: then.\n\nChannel 0: okay. So we'll look at those things. And have your investments optimistic about future investments. Two, cautious and no further investments planned. Three, concerned.\n\nFour, highly anxious and seeking advice. Five, seeking to maintain a loss free advice. Five, seeking to maintain a loss free record.\n\nChannel 1: I think cautious.\n\nChannel 0: Yep.\n\nChannel 1: I mean, you know, I was sitting at MLC for ten years and actually lost money,\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: nobody contacted me about it. So,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: you know, I was very and it was substantial loss too, which I think put me behind the eight ball.\n\nChannel 0: Yep. Okay.\n\nChannel 1: You know? So I am cautious, but I'm also oh, I I'd like to think that I'm living in the reality of life\n\nChannel 0: Mhmm.\n\nChannel 1: or my life\n\nChannel 0: Yep.\n\nChannel 1: and understand\n\nChannel 0: Yep.\n\nChannel 1: that if I'm cautious, I can't stop. Sometimes\n\nChannel 0: Yeah.\n\nChannel 1: you have to risk it for the biscuit.\n\nChannel 0: I love that saying. I say that all the time. I understand what you're saying. Beautiful. And the last question here is, have you ever thought about taking out a loan to invest?\n\nChannel 1: No.\n\nChannel 0: Alright. Beautiful. So you're still coming out as a growth investor. I think that so that's what you're you're invested in now. What I will do is part of my research is when I get your rundown from PSS is, like, take that into consideration as well, what the asset allocation is there when we're doing a little bit of research.\n\nAnd just make sure that it it's got an appropriate you've got an appropriate exposure to your gross assets whilst also taking a core not a cautious, but a realistic approach to defensive assets as well given your your thoughts on your age and proximity to to retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Is that is that okay?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yep. The next document on the that pack that was sent through to you is the 2025 Vanguard index chart. That probably talks a little bit and gives you a little bit of a visual of what we've just gone through. Is that the document that you have?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the page,\n\nChannel 1: Yep.\n\nChannel 0: they're the growth they're the growth assets that we're we're talking about. So they're the ones that you would when looking at the graph, you'll see a fair bit more volatility in.\n\nChannel 1: Yeah.\n\nChannel 0: There there are growth and income producing assets, whereas the ones below, strained bonds, cash, and CPI, there are defensive assets. Although depending on how the market reacts, they do provide a little bit of growth over time, but they're typically income producing assets where it creates that defensive part of the portfolio for you. Do you have any questions about that or how\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: I'm sorry. You're you're it's getting a bit hard to hear you again. Sorry about that.\n\nChannel 0: Sorry. No. That's okay. I'm gonna check this headset when our when our time is up.\n\nChannel 1: Oh, bless you. Oxy, I can hear you now. Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Very weird. Very weird.\n\nChannel 0: It's yes.\n\nChannel 1: So just the top one, like The US\n\nChannel 0: Yes.\n\nChannel 1: shares, Australian shares,\n\nChannel 0: Yep.\n\nChannel 1: and that.\n\nChannel 0: Yep.\n\nChannel 1: What are they termed as?\n\nChannel 0: Growth assets. So those top four, so you see Australian shares, international shares, and Australian listed property, they're all they all fall into the growth section of your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: And the bottom three being your bonds, cash, CPI well, not really CPI, but your bonds and your cash, that's the defensive part of your portfolio. So at the moment, you've got an allocation to 80% to the top four and\n\nChannel 1: Yes.\n\nChannel 0: 20% for\n\nChannel 1: Okay.\n\nChannel 0: the bottom two. Any quick any questions about that?\n\nChannel 1: Okay. No. No. No. I think that looks alright at the moment.\n\nChannel 0: Beautiful. Beautiful. The next document is just is your insurance certificate of currency with. It just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier.\n\nChannel 1: Okay.\n\nChannel 0: The next yeah. Any questions on that one?\n\nChannel 1: No. No.\n\nChannel 0: No? No. Okay. And you're happy with\n\nChannel 1: So so for the TPD and the\n\nChannel 0: yeah.\n\nChannel 1: life insurance, I'm probably paying about $7,800.\n\nChannel 0: I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you. Would you like\n\nChannel 1: Yeah.\n\nChannel 0: me\n\nChannel 1: Oh, no. I'm just looking at this. Yeah. Like, what? $4.50\n\nChannel 0: to do that?\n\nChannel 1: 300. What's that? $4.07 it says so around $7.50. Annually, I'm paying for that.\n\nChannel 0: Yeah. There are there is some stamp duty on some of it. Oh, you've you've got the stamp duty there. Beautiful. Yep.\n\nSo because that's just on your IP. Yeah. So, yeah, you're right. That's correct.\n\nChannel 1: Okay. And then the IP is what? An additional\n\nChannel 0: Yes. So your I income protection will\n\nChannel 1: cost?\n\nChannel 0: make\n\nChannel 1: Yep.\n\nChannel 0: up the difference. So it is and your premium, 7. So you're looking at about $1,800 a year for your income protection,\n\nChannel 1: Yep. Okay.\n\nChannel 0: including stamp duty.\n\nChannel 1: Yep.\n\nChannel 0: The next document is your FSG. So well, our FSG, I should say. What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC. And it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed. So that is an an information document, really, for yourself.\n\nDid you have any questions about that?\n\nChannel 1: No. No. That's\n\nChannel 0: No?\n\nChannel 1: fine.\n\nChannel 0: Beautiful. The last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you. But what this is is it's your annual fees. So this is what is paid through from your hub twenty four for your superannuation advice and the services that we provide to you. So you're not limited on the number of reviews that you have per annum.\n\nYou can phone us at any time. If you have questions, you need advice on anything. So the fee here is noted. Let me see where it's gone wrong so I can actually give you the correct amount. So when Whitlam sends it through sorry.\n\nIt won't be a sec.\n\nChannel 1: No. You're right. When I clicked on next document, it came up with the text file number.\n\nChannel 0: Yeah. That's okay. That that's so that document there, I will get with that allows us to keep your tax file number on record. It's the only document that we do. And the reason why is because we provide it to the hub twenty four.\n\nSo being that we're approved to hold that on file for you, if we don't, hub twenty four, your super fund will be taxed at a higher tax rate,\n\nChannel 1: Yeah.\n\nChannel 0: so it's\n\nChannel 1: Yeah.\n\nChannel 0: beneficial\n\nChannel 1: We don't want\n\nChannel 0: too.\n\nChannel 1: that.\n\nChannel 0: No. So that's why we get you to sign that, and that just lets us know that you have approved that on our our end. So the fee based on so that's so then I'll get you to jump over to the next one, which is the ongoing fee arrangement.\n\nChannel 1: Well, hang on a minute. I do I sign that tax file number now?\n\nChannel 0: You can do it at the end if you like.\n\nChannel 1: Because it's like\n\nChannel 0: I believe\n\nChannel 1: because it's that\n\nChannel 0: oh, okay. Yep. Maybe sign that. Yeah. Definitely.\n\nChannel 1: That's not my signature. It's got signed with Oodoo sign, but I'm like,\n\nChannel 0: Yes.\n\nChannel 1: no. I'm I think\n\nChannel 0: Yes.\n\nChannel 1: I better draw it. I'll do that.\n\nChannel 0: Yeah. UdoSign is a software that we use, so that's legitimate.\n\nChannel 1: But that's not my signature. So\n\nChannel 0: Oh,\n\nChannel 1: yeah. I don't find my name like\n\nChannel 0: okay.\n\nChannel 1: that.\n\nChannel 0: No. That's okay. I think you can even just type your name in, but you can do a post doc call. There's no urgency. Whitlam has also sent through the new updated consent fee.\n\nSo that's gonna be in a separate email, but I'll just talk to you as in it's this one. What I might do is get you to jump out of those emails, if that's okay, and then go to the new one that's showing on from OdooSign. It should be at the top of\n\nChannel 1: I've got Whitland\n\nChannel 0: your\n\nChannel 1: Smith.\n\nChannel 0: inbox.\n\nChannel 1: Signature\n\nChannel 0: Yes.\n\nChannel 1: request.\n\nChannel 0: Yeah. Yep. So if you open that one, it'll be the last document of that\n\nChannel 1: I'm gonna have to go right through the whole\n\nChannel 0: pack.\n\nChannel 1: thing again. Yep. That's cool.\n\nChannel 0: Sorry.\n\nChannel 1: No. No. No. That's fine. That's I just wanna make sure I'm doing the right thing.\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: now I just\n\nChannel 1: not.\n\nChannel 0: I wanna make sure that I'm giving you the right information, So I don't wanna give you the wrong information.\n\nChannel 1: Like, yes, the Internet is slow today.\n\nChannel 0: That's okay. It's always the way.\n\nChannel 1: Okay. So go down to the and sorry. What was your name, Veronica?\n\nChannel 0: Jenna. No.\n\nChannel 1: Jenna.\n\nChannel 0: I'm Jenna. Yeah. Yeah.\n\nChannel 1: Is your\n\nChannel 0: I'm\n\nChannel 1: photo\n\nChannel 0: taking\n\nChannel 1: not in here?\n\nChannel 0: should be oh, not in the FSG at the moment. I'm I'm actually starting to take over from Veronica while she's on maternity\n\nChannel 1: Okay.\n\nChannel 0: leave. So, yeah, not at it should be. I'd have to double check with it one moment.\n\nChannel 1: Okay. So certificate of currency. So we've gone through that one.\n\nChannel 0: Yeah. It should be the last document.\n\nChannel 1: Okay. Consent to new ongoing fee arrangement.\n\nChannel 0: Yes. Beautiful. That's it. So these are the documents we'll get you to sign rather than the ones they're all the all the other documents are the same previously. It's just this one that's a little bit different.\n\nAnd it it's just a it's you signing off that you wish to continue being a client of Oakview, and it is a flat fee. So you'll see the estimated fee amount below the below the little table. What that is is a flat fee. Previously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee. Previously, it'd be a percent fee.\n\nSo depending on how the market was performing, you know, if the market was performing well, your monthly fee would be a little bit higher. We've changed our fee process to be a flat fee, so that gives clients a fixed term and understanding every single month of what that fee will be that's deducted from their hub twenty four account or their personal account depending on what way they wish to proceed. So\n\nChannel 1: So\n\nChannel 0: your sorry?\n\nChannel 1: it's got estimated fee of $3,725.14 per annum.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Is that what\n\nChannel 0: So you\n\nChannel 1: that's what we're\n\nChannel 0: yeah.\n\nChannel 1: looking at?\n\nChannel 0: That's correct. So if what that would mean is in your hub account, you would see a fee of $310.43 approximately because it's got the $33.03 per month, and that's a flat fee now instead of a previously being a percent based\n\nChannel 1: Yes.\n\nChannel 0: fee. So\n\nChannel 1: Okay.\n\nChannel 0: so that yeah. That what what it means is that when your portfolio is performing well, that our monthly fee isn't gonna be higher. It's just a set fee, and that's what it is.\n\nChannel 1: Yes.\n\nChannel 0: So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged.\n\nChannel 1: Okay. Okay. Yep. That's fine.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: And and if it's if it's performing low, it'll still\n\nChannel 0: It\n\nChannel 1: be the same.\n\nChannel 0: stays\n\nChannel 1: But\n\nChannel 0: the same. So,\n\nChannel 1: yep.\n\nChannel 0: yeah, regardless on the ups and downs, our fees for the service, not the performance of your funds. So if you need to speak to me every month for the next twelve months, that's what you're paying for.\n\nChannel 1: That's 330 children this pay month regardless of\n\nChannel 0: I think I think it works out 310 roughly.\n\nChannel 1: Okay.\n\nChannel 0: So that will be and that's all very transparent in your hub account, so you'll be able to see that. And if there's ever any issues, you just give us a call.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful. So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son. So he's 19 years of age.\n\nChannel 1: Mhmm.\n\nChannel 0: You have your your defined benefit, your life insurance. So you have a fair bit of asset there that should anything happen to you, needs to pass seamlessly to your son. If you die without a will, things can be held up for quite a long time and make it very messy for him. So we do always recommend that our clients look at establishing a will and an enduring power of attorney. What an enduring power of attorney is is it just allows someone to make decisions for you financially and from a health perspective at a certain time, and that could be if you were unable to make decisions for yourself.\n\nIt's all within a document, which a a lawyer would typically draw up for you and make sure that all bases are covered and that you can't be taken advantage of, not by your son, but by somebody else potentially.\n\nChannel 1: So could they\n\nChannel 0: That's\n\nChannel 1: be two different people? Or, like, the beneficiary would be my son, but maybe somebody else would be the power of attorney?\n\nChannel 0: Mhmm. Of course. And that's\n\nChannel 1: Or\n\nChannel 0: something that you you would discuss with the with the solicitor. And it\n\nChannel 1: Okay.\n\nChannel 0: might be that you have two powers of attorney. The first one being let's call them Fred. And then if Fred's unable to act on your behalf, it might then be your son that's second. So\n\nChannel 1: Yep.\n\nChannel 0: you would have backup, But I think in that respect, we we we do have a professional partner that we work with. Would you like me to send you through a brochure just for you to review that? And if you're happy, we can arrange for them to contact you.\n\nChannel 1: Yeah. Yeah. If you can send me a brochure because my my son's only 19.\n\nChannel 0: Yes.\n\nChannel 1: So I, you know,\n\nChannel 0: That is\n\nChannel 1: I\n\nChannel 0: a lot.\n\nChannel 1: I would prefer to have somebody else\n\nChannel 0: Yeah.\n\nChannel 1: a lot\n\nChannel 0: Yep.\n\nChannel 1: more older, I'm sure,\n\nChannel 0: Yeah.\n\nChannel 1: as the power of attorney and someone I trust\n\nChannel 0: Yes. Yep.\n\nChannel 1: who would have gave best interest at heart.\n\nChannel 0: Yes.\n\nChannel 1: So he doesn't\n\nChannel 0: Of\n\nChannel 1: get\n\nChannel 0: course.\n\nChannel 1: all this money and blow it all in six months and, you know, there's\n\nChannel 0: Yeah.\n\nChannel 1: no\n\nChannel 0: Yep. Yep. I will send that through to you because the other item that flagged it for me was if you don't have any beneficiary nominations on your life policy with Cal or through your super fund. So at the moment, that what that means is, basically, the trustees will decide where that goes, and more than likely, that will be to gain, being your your kin.\n\nChannel 1: Yes.\n\nChannel 0: However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will. So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts. So it's probably something that we do need to look at, and we can have a look\n\nChannel 1: Okay.\n\nChannel 0: at those. I'll send you through the brochure, but we'll also look at that in my research also.\n\nChannel 1: Okay. So with that those guys, yeah, the bracelet you're gonna send, can I do a wheel through them or will I have to go\n\nChannel 0: Absolutely.\n\nChannel 1: and get it done through it? That's\n\nChannel 0: No.\n\nChannel 1: something to\n\nChannel 0: Absolutely.\n\nChannel 1: everything through them.\n\nChannel 0: Absolutely.\n\nChannel 1: The power of attorney. Yeah. Perfect. Oh,\n\nChannel 0: Yep.\n\nChannel 1: awesome.\n\nChannel 0: Yep. So we'll send that through to you. And my understanding is I haven't seen it as yet, but it gives you an idea of costs and everything. So\n\nChannel 1: Yeah.\n\nChannel 0: I believe they're actually quite affordable, to be honest with you. I\n\nChannel 1: I'm\n\nChannel 0: should\n\nChannel 1: good.\n\nChannel 0: probably get my eyes on that. I've I've only just started in the last few weeks. I'm still looking at things. But in saying that also, I've been an adviser for a really long time. So,\n\nChannel 1: Yep.\n\nChannel 0: hopefully, that provides you with some comfort as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Well, the fact that you know me that you you mentioned that was like, okay. That's good. Yeah. Instead of me having to, you know, try and find and not knowing if I'm getting ripped off or you know?\n\nChannel 0: yeah. No. We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of.\n\nChannel 1: Perfect.\n\nChannel 0: Alright. So I guess any questions from your end?\n\nChannel 1: No. I think we've done a, thorough job.\n\nChannel 0: Beautiful. That's what I like to hear. What I'm gonna do is I'm going to go away and do some research on a lot of the things that we have talked about. If there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you. But I am gonna hold off a little bit until we understand next week what your income actually looks like.\n\nChannel 1: Yes. I\n\nChannel 0: Sorry?\n\nChannel 1: do I not sign today?\n\nChannel 0: Yeah. Yeah. Yeah. Definitely. If you're comfortable doing that, that's just going that's just to make sure you're happy to continue proceeding with us.\n\nThat's absolutely fine. I would ask if you're happy to and you're comfortable to sign that. This is just my action items that I'm gonna go and review your portfolio. So look at replacing, Bennelong and the bank hybrids we talked about, looking at your trauma insurance, waiting on your income amount to see if we look at increasing your income protection, those sorts of things.\n\nChannel 1: Yep.\n\nChannel 0: So there are more action items for me to make sure that I get back to you on. And if there is any advice that I need to provide to update a few things, I get on to\n\nChannel 1: Not a problem. Well, I've just written that down. There's two things that I need to get you by next Friday. Is\n\nChannel 0: that.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: PSS\n\nChannel 0: okay.\n\nChannel 1: allowed?\n\nChannel 0: I'm gonna send, yeah, I'm gonna send you an email with those items,\n\nChannel 1: Okay.\n\nChannel 0: so that's fine. If you lose your piece of paper, I'm gonna send that through to you. And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing.\n\nChannel 1: Okay then.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright. And\n\nChannel 0: So\n\nChannel 1: I'll\n\nChannel 0: if you\n\nChannel 1: sign this now.\n\nChannel 0: fantastic.\n\nChannel 1: And\n\nChannel 0: Beautiful. So if you fantastic. Yeah.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: why I'm gonna\n\nChannel 0: if\n\nChannel 1: do\n\nChannel 0: you've got\n\nChannel 1: it on time.\n\nChannel 0: if you've got any questions at all in the meantime, just give me a call, and we can go from there. But I'll I anticipate research process takes about three weeks to get everything back from the provider. So I anticipate reaching out to you probably in about two, two and a half weeks time to book in a time that we can just run\n\nChannel 1: Okay.\n\nChannel 0: through. Fantastic. Well, thank you so much for your time today, Carmen. I really\n\nChannel 1: No\n\nChannel 0: do\n\nChannel 1: worries.\n\nChannel 0: appreciate\n\nChannel 1: Thank you so much.\n\nChannel 0: it. No. You're welcome.\n\nChannel 1: I haven't\n\nChannel 0: And\n\nChannel 1: scanned that now even though it's very close to my signature, but\n\nChannel 0: saw those electronic ones these days. Some of them accept, you know, you type in your name. Some of them want you to do a proper signature. It's all over the place.\n\nChannel 1: Well, I've just done that now. So it's very it's very close to my my signature anyway. So there are documents waiting for you. Sign request. So I have to sign them too?\n\nChannel 0: Fantastic. Is this the second one?\n\nChannel 1: It's got there are documents waiting. Your signature, sign request, Carmen Corduroy, and\n\nChannel 0: It might be the TFN one,\n\nChannel 1: oh, I should\n\nChannel 0: tax\n\nChannel 1: sign\n\nChannel 0: file\n\nChannel 1: that?\n\nChannel 0: number one. Yep. Because they're the two that typically need they're the two that need the signing, the ongoing service agreement and the tax\n\nChannel 1: Okay.\n\nChannel 0: file number.\n\nChannel 1: And that was probably I need to sign that now? Then we jumped out and then went into the\n\nChannel 0: Yeah.\n\nChannel 1: next the other\n\nChannel 0: Yep.\n\nChannel 1: one.\n\nChannel 0: Yep.\n\nChannel 1: That's okay. So that's loading now. Because I wanna get all that done before we finish\n\nChannel 0: Yep.\n\nChannel 1: our\n\nChannel 0: Absolutely.\n\nChannel 1: phone call so that it's done.\n\nChannel 0: Absolutely. I will stay on the line with you on the line with you. And if we need to troubleshoot anything, I have Whitlam here who will help me troubleshoot as well. So we'll we'll see how it goes.\n\nChannel 1: Okay. So that's the text file number one. Okay. So I'll draw that. Oh, gosh.\n\nToday's date. Next document. Click the start. You said ongoing fee. Yep.\n\nAlright. I think there's three documents I signed there.\n\nChannel 0: Okay. Beautiful. That usually takes only a few\n\nChannel 1: I\n\nChannel 0: minutes\n\nChannel 1: think that\n\nChannel 0: to pop through pop back.\n\nChannel 1: yes. I don't know why it's slow today, but it's Monday.\n\nChannel 0: Got\n\nChannel 1: It's usually okay.\n\nChannel 0: a\n\nChannel 1: Must be because I'm on holiday. It must\n\nChannel 0: case\n\nChannel 1: be okay. No. No.\n\nChannel 0: of\n\nChannel 1: You know? Talking\n\nChannel 0: Mondayitis.\n\nChannel 1: porkies now. Okay. You will\n\nChannel 0: Alright.\n\nChannel 1: get the signed documents via email. Okay. I believe it's\n\nChannel 0: There\n\nChannel 1: done.\n\nChannel 0: you go. Fantastic.\n\nChannel 1: Can you you can set it on that end?\n\nChannel 0: Let me just jump in. I'll just check with I'll just check with Whitlam. I won't be a second. Yep. All perfect.\n\nThank you so much for that.\n\nChannel 1: No worries. Thank you. Alright. Well, I'll talk to you soon.\n\nChannel 0: Beautiful. Thanks, Carmen. I will be in touch\n\nChannel 1: Okay. Awesome. Thank you.\n\nChannel 0: soon. Okay. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.58,"sentiment":"neutral","sentiment_score":0.28194455802440643}],"sentiment":"neutral","sentiment_score":0.28194455802440643,"channel":1,"num_words":2,"start":1.92,"end":2.58},{"sentences":[{"text":"Hi, Carmen.","start":3.52,"end":4.42,"sentiment":"neutral","sentiment_score":0.2963901460170746},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"positive","sentiment_score":0.38027869910001755}],"sentiment":"positive","sentiment_score":0.3523158480723699,"channel":0,"num_words":6,"start":3.52,"end":5.46},{"sentences":[{"text":"I'm good.","start":5.92,"end":6.64,"sentiment":"positive","sentiment_score":0.5751353800296783},{"text":"Thank you.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.6049312055110931},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"positive","sentiment_score":0.34856559832890827}],"sentiment":"positive","sentiment_score":0.4865471380097525,"channel":1,"num_words":7,"start":5.92,"end":7.8599997},{"sentences":[{"text":"Good.","start":8.16,"end":8.48,"sentiment":"positive","sentiment_score":0.4143404960632324},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.4519566297531128},{"text":"This is Jenna here, phoning from financial.","start":8.96,"end":10.9,"sentiment":"neutral","sentiment_score":0.09677657165697642}],"sentiment":"neutral","sentiment_score":0.1995689757168293,"channel":0,"num_words":10,"start":8.16,"end":10.9},{"sentences":[{"text":"Nope.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":-0.23763152956962583},{"text":"You're very faint.","start":12.559999,"end":13.605,"sentiment":"negative","sentiment_score":-0.4748222430547078}],"sentiment":"negative","sentiment_score":-0.41552456468343735,"channel":1,"num_words":4,"start":12.0,"end":13.605},{"sentences":[{"text":"Oh, sorry about that.","start":14.32,"end":15.679999,"sentiment":"neutral","sentiment_score":-0.2459910325706005},{"text":"I'm just I got my headset on.","start":15.679999,"end":17.895,"sentiment":"neutral","sentiment_score":-0.2107747963496617},{"text":"Hopefully is that any better?","start":17.895,"end":20.475,"sentiment":"neutral","sentiment_score":-0.16342007517814636}],"sentiment":"neutral","sentiment_score":-0.20478050503879786,"channel":0,"num_words":16,"start":14.32,"end":20.475},{"sentences":[{"text":"Oh, you'll still talk again?","start":21.925,"end":24.185,"sentiment":"neutral","sentiment_score":-0.018853643909096718}],"sentiment":"neutral","sentiment_score":-0.018853643909096718,"channel":1,"num_words":5,"start":21.925,"end":24.185},{"sentences":[{"text":"Is that any better?","start":24.695,"end":25.835,"sentiment":"neutral","sentiment_score":0.0005535096861422062}],"sentiment":"neutral","sentiment_score":0.0005535096861422062,"channel":0,"num_words":4,"start":24.695,"end":25.835},{"sentences":[{"text":"Yeah.","start":25.925,"end":26.164999,"sentiment":"neutral","sentiment_score":0.050685815513134},{"text":"That's better.","start":26.164999,"end":26.724998,"sentiment":"neutral","sentiment_score":0.12201977893710136},{"text":"Thanks.","start":26.724998,"end":27.224998,"sentiment":"neutral","sentiment_score":0.25006675720214844}],"sentiment":"neutral","sentiment_score":0.1361980326473713,"channel":1,"num_words":4,"start":25.925,"end":27.224998},{"sentences":[{"text":"Okay.","start":27.335,"end":27.835,"sentiment":"neutral","sentiment_score":0.08436842262744904},{"text":"That's alright.","start":28.1,"end":28.42,"sentiment":"neutral","sentiment_score":0.08263667300343513},{"text":"I try and push the microphone to my face a little better.","start":28.42,"end":32.2,"sentiment":"neutral","sentiment_score":-0.017253313524027664},{"text":"Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes.","start":32.260002,"end":37.7,"sentiment":"neutral","sentiment_score":0.0304680442356545},{"text":"Is that okay?","start":37.7,"end":38.6,"sentiment":"neutral","sentiment_score":0.053152285516262054}],"sentiment":"neutral","sentiment_score":0.02202009464182505,"channel":0,"num_words":41,"start":27.335,"end":38.6},{"sentences":[{"text":"Yeah.","start":38.78,"end":39.02,"sentiment":"neutral","sentiment_score":0.08408932387828827},{"text":"That's fine.","start":39.02,"end":39.84,"sentiment":"neutral","sentiment_score":0.17967602610588074}],"sentiment":"neutral","sentiment_score":0.14781379203001657,"channel":1,"num_words":3,"start":38.78,"end":39.84},{"sentences":[{"text":"Beautiful.","start":40.34,"end":40.84,"sentiment":"positive","sentiment_score":0.4082599878311157},{"text":"And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please?","start":41.245,"end":49.504997,"sentiment":"neutral","sentiment_score":0.08828532725572585}],"sentiment":"neutral","sentiment_score":0.10059204497016393,"channel":0,"num_words":26,"start":40.34,"end":49.504997},{"sentences":[{"text":"Okay.","start":49.765,"end":50.004997,"sentiment":"neutral","sentiment_score":0.03589349240064621},{"text":"It's Carmen Ruth Corduroy and Scruffy.","start":50.004997,"end":52.344997,"sentiment":"neutral","sentiment_score":0.055541533355911575}],"sentiment":"neutral","sentiment_score":0.052734670362302234,"channel":1,"num_words":7,"start":49.765,"end":52.344997},{"sentences":[{"text":"Beautiful.","start":53.324997,"end":53.824997,"sentiment":"positive","sentiment_score":0.4339442253112793},{"text":"Thank you, Carmen.","start":53.885,"end":54.844997,"sentiment":"positive","sentiment_score":0.49990659952163696},{"text":"I appreciate that.","start":54.844997,"end":56.305,"sentiment":"positive","sentiment_score":0.5421548287073771},{"text":"How's your day been so far?","start":56.5,"end":58.12,"sentiment":"neutral","sentiment_score":0.2945424144466718}],"sentiment":"positive","sentiment_score":0.40979869205218095,"channel":0,"num_words":13,"start":53.324997,"end":58.12},{"sentences":[{"text":"Yeah.","start":58.34,"end":58.66,"sentiment":"neutral","sentiment_score":0.22029560804367063},{"text":"Good.","start":58.66,"end":58.98,"sentiment":"neutral","sentiment_score":0.3261181116104126},{"text":"Good.","start":58.98,"end":59.48,"sentiment":"neutral","sentiment_score":0.3172217011451721}],"sentiment":"neutral","sentiment_score":0.28787847359975177,"channel":1,"num_words":3,"start":58.34,"end":59.48},{"sentences":[{"text":"Oh, that's good.","start":60.34,"end":61.14,"sentiment":"positive","sentiment_score":0.3796512484550476},{"text":"That's fantastic.","start":61.14,"end":62.12,"sentiment":"positive","sentiment_score":0.6170930862426758},{"text":"So the purpose of my call our call this morning is to go through your annual review.","start":62.82,"end":68.44,"sentiment":"neutral","sentiment_score":0.15830252056612687}],"sentiment":"neutral","sentiment_score":0.2301946712488478,"channel":0,"num_words":22,"start":60.34,"end":68.44},{"sentences":[{"text":"Mhmm.","start":68.9,"end":69.4,"sentiment":"neutral","sentiment_score":0.04319227114319801}],"sentiment":"neutral","sentiment_score":0.04319227114319801,"channel":1,"num_words":1,"start":68.9,"end":69.4},{"sentences":[{"text":"Just confirming you have some time to do that.","start":69.06,"end":71.975,"sentiment":"neutral","sentiment_score":0.07942216429445478}],"sentiment":"neutral","sentiment_score":0.07942216429445478,"channel":0,"num_words":9,"start":69.06,"end":71.975},{"sentences":[{"text":"Yep.","start":72.135,"end":72.635,"sentiment":"neutral","sentiment_score":0.09010706841945648},{"text":"Yes.","start":72.695,"end":73.195,"sentiment":"neutral","sentiment_score":0.18975025415420532}],"sentiment":"neutral","sentiment_score":0.1399286612868309,"channel":1,"num_words":2,"start":72.135,"end":73.195},{"sentences":[{"text":"Fantastic.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.32653743028640747},{"text":"Alright.","start":74.755005,"end":75.255005,"sentiment":"neutral","sentiment_score":0.1554112285375595},{"text":"Before we move to the review itself, I just wanna","start":75.555,"end":81.795,"sentiment":"neutral","sentiment_score":0.07587893642485141}],"sentiment":"neutral","sentiment_score":0.1033948352560401,"channel":0,"num_words":12,"start":73.315,"end":81.795},{"sentences":[{"text":"Mhmm.","start":81.78,"end":82.28,"sentiment":"neutral","sentiment_score":0.08377142250537872}],"sentiment":"neutral","sentiment_score":0.08377142250537872,"channel":1,"num_words":1,"start":81.78,"end":82.28},{"sentences":[{"text":"run through our Saks Fund to make sure that all the details I have for you are correct and relevant still.","start":81.795,"end":89.850006,"sentiment":"neutral","sentiment_score":0.10348045684042431}],"sentiment":"neutral","sentiment_score":0.10348045684042431,"channel":0,"num_words":21,"start":81.795,"end":89.850006},{"sentences":[{"text":"Yep.","start":89.4525,"end":89.9525,"sentiment":"neutral","sentiment_score":0.025063756853342056}],"sentiment":"neutral","sentiment_score":0.025063756853342056,"channel":1,"num_words":1,"start":89.4525,"end":89.9525},{"sentences":[{"text":"So I just want to confirm your marital status.","start":90.310005,"end":95.43,"sentiment":"neutral","sentiment_score":0.012246569929023584},{"text":"Are you single in a partnership?","start":95.43,"end":97.615,"sentiment":"neutral","sentiment_score":-0.00003885757178068161}],"sentiment":"neutral","sentiment_score":0.007332398928701878,"channel":0,"num_words":15,"start":90.310005,"end":97.615},{"sentences":[{"text":"Single.","start":98.965,"end":99.465,"sentiment":"neutral","sentiment_score":0.014350028708577156}],"sentiment":"neutral","sentiment_score":0.014350028708577156,"channel":1,"num_words":1,"start":98.965,"end":99.465},{"sentences":[{"text":"Single.","start":100.155,"end":100.635,"sentiment":"neutral","sentiment_score":0.03817978873848915},{"text":"Beautiful.","start":100.635,"end":101.135,"sentiment":"neutral","sentiment_score":0.11830723285675047},{"text":"And your email address is 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call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need?","start":1194.6226,"end":1210.07,"sentiment":"neutral","sentiment_score":0.030898646977932556}],"sentiment":"neutral","sentiment_score":0.030898646977932556,"channel":0,"num_words":23,"start":1194.6226,"end":1210.07},{"sentences":[{"text":"If I can and if it could be funded, you know, from, say, the fortnightly income.","start":1212.89,"end":1218.875,"sentiment":"neutral","sentiment_score":0.006348725408315659},{"text":"Yeah.","start":1219.335,"end":1219.495,"sentiment":"neutral","sentiment_score":-0.017030294984579086},{"text":"That can just put a little bit away and then, you know, like, save 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yourself on what you would think that you would you would budget for would","start":1308.6449,"end":1316.06,"sentiment":"neutral","sentiment_score":0.14274248540401457}],"sentiment":"neutral","sentiment_score":0.154489955243965,"channel":0,"num_words":48,"start":1302.085,"end":1316.06},{"sentences":[{"text":"Yep.","start":1315.905,"end":1316.405,"sentiment":"neutral","sentiment_score":0.25281551480293274}],"sentiment":"neutral","sentiment_score":0.25281551480293274,"channel":1,"num_words":1,"start":1315.905,"end":1316.405},{"sentences":[{"text":"help in respect to really seeing what we need to do to get you there.","start":1316.06,"end":1320.7201,"sentiment":"neutral","sentiment_score":0.21451374491055805}],"sentiment":"neutral","sentiment_score":0.21451374491055805,"channel":0,"num_words":15,"start":1316.06,"end":1320.7201},{"sentences":[{"text":"Okay.","start":1324.62,"end":1325.02,"sentiment":"neutral","sentiment_score":-0.01387547329068184},{"text":"I'm just I was just thinking 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stage?","start":1393.645,"end":1399.95,"sentiment":"neutral","sentiment_score":-0.020155158307817247}],"sentiment":"neutral","sentiment_score":-0.016564478831631795,"channel":0,"num_words":28,"start":1388.205,"end":1399.95},{"sentences":[{"text":"Look.","start":1400.01,"end":1400.51,"sentiment":"neutral","sentiment_score":-0.017118463292717934},{"text":"The only one I can think of is around $50.","start":1400.5701,"end":1402.59,"sentiment":"neutral","sentiment_score":-0.011874876730144025}],"sentiment":"neutral","sentiment_score":-0.012351566417650743,"channel":1,"num_words":11,"start":1400.01,"end":1402.59},{"sentences":[{"text":"Yeah.","start":1403.5299,"end":1404.0299,"sentiment":"neutral","sentiment_score":0.04690979793667793},{"text":"Okay.","start":1404.89,"end":1405.39,"sentiment":"neutral","sentiment_score":0.04629236087203026},{"text":"Alright.","start":1410.295,"end":1410.775,"sentiment":"neutral","sentiment_score":0.05868196487426758},{"text":"Leave that with me.","start":1410.775,"end":1411.5751,"sentiment":"neutral","sentiment_score":0.04753387626260519},{"text":"I'm gonna have some play with some figures.","start":1411.5751,"end":1413.515,"sentiment":"neutral","sentiment_score":0.043318713549524546}],"sentiment":"neutral","sentiment_score":0.045904622475306196,"channel":0,"num_words":15,"start":1403.5299,"end":1413.515},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":1414.935,"end":1417.5951,"sentiment":"neutral","sentiment_score":0.022411108296364547}],"sentiment":"neutral","sentiment_score":0.022411108296364547,"channel":0,"num_words":10,"start":1414.935,"end":1417.5951},{"sentences":[{"text":"I 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there.","start":1509.17,"end":1510.55,"sentiment":"neutral","sentiment_score":-0.18522938713431358}],"sentiment":"neutral","sentiment_score":-0.1514454996213317,"channel":0,"num_words":8,"start":1508.8501,"end":1510.55},{"sentences":[{"text":"No.","start":1510.6599,"end":1510.74,"sentiment":"neutral","sentiment_score":-0.113727368414402},{"text":"That's fine.","start":1510.74,"end":1511.64,"sentiment":"neutral","sentiment_score":-0.04530205950140953},{"text":"Okay.","start":1518.0199,"end":1518.5199,"sentiment":"neutral","sentiment_score":0.031051456928253177},{"text":"Yep.","start":1519.0599,"end":1519.5599,"sentiment":"neutral","sentiment_score":0.04448597878217697}],"sentiment":"neutral","sentiment_score":-0.025758810341358178,"channel":1,"num_words":5,"start":1510.6599,"end":1519.5599},{"sentences":[{"text":"Yep.","start":1520.13,"end":1520.265,"sentiment":"neutral","sentiment_score":0.05875992029905319},{"text":"Yep.","start":1520.345,"end":1520.505,"sentiment":"neutral","sentiment_score":0.1227271780371666},{"text":"Fantastic.","start":1520.505,"end":1521.005,"sentiment":"positive","sentiment_score":0.455552875995636},{"text":"So is the first document you've got viewable a financial summary of your super and insurance?","start":1521.145,"end":1527.085,"sentiment":"neutral","sentiment_score":0.21426170039922}],"sentiment":"neutral","sentiment_score":0.21395932530101977,"channel":0,"num_words":19,"start":1520.13,"end":1527.085},{"sentences":[{"text":"Yep.","start":1527.905,"end":1528.405,"sentiment":"neutral","sentiment_score":0.08085724711418152}],"sentiment":"neutral","sentiment_score":0.08085724711418152,"channel":1,"num_words":1,"start":1527.905,"end":1528.405},{"sentences":[{"text":"Yep.","start":1528.745,"end":1529.145,"sentiment":"neutral","sentiment_score":0.135712668299675},{"text":"Fantastic.","start":1529.145,"end":1529.645,"sentiment":"positive","sentiment_score":0.39857974648475647},{"text":"So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age.","start":1530.345,"end":1539.596,"sentiment":"neutral","sentiment_score":0.1435495518768827},{"text":"So that will continue to sit as is","start":1539.664,"end":1544.14,"sentiment":"neutral","sentiment_score":0.07089354190975428}],"sentiment":"neutral","sentiment_score":0.13372441162081325,"channel":0,"num_words":34,"start":1528.745,"end":1544.14},{"sentences":[{"text":"Yep.","start":1546.03,"end":1546.51,"sentiment":"neutral","sentiment_score":0.00018456827092450112}],"sentiment":"neutral","sentiment_score":0.00018456827092450112,"channel":1,"num_words":1,"start":1546.03,"end":1546.51},{"sentences":[{"text":"with no","start":1546.12,"end":1546.7,"sentiment":"neutral","sentiment_score":-0.11479762941598892}],"sentiment":"neutral","sentiment_score":-0.11479762941598892,"channel":0,"num_words":2,"start":1546.12,"end":1546.7},{"sentences":[{"text":"Is that is that depreciating at all?","start":1546.51,"end":1548.8501,"sentiment":"neutral","sentiment_score":-0.17795707285404205}],"sentiment":"neutral","sentiment_score":-0.17795707285404205,"channel":1,"num_words":7,"start":1546.51,"end":1548.8501},{"sentences":[{"text":"Let me have a look.","start":1550.6549,"end":1551.855,"sentiment":"neutral","sentiment_score":-0.0240460105240345},{"text":"I'm gonna jump into your previous one.","start":1551.855,"end":1555.455,"sentiment":"neutral","sentiment_score":-0.019219033420085907},{"text":"I won't be at the moment.","start":1555.455,"end":1556.6749,"sentiment":"neutral","sentiment_score":-0.09328921263416608},{"text":"No.","start":1577.505,"end":1578.005,"sentiment":"neutral","sentiment_score":-0.10201777517795564},{"text":"As it's yeah.","start":1578.0651,"end":1579.665,"sentiment":"neutral","sentiment_score":-0.08712882300217946}],"sentiment":"neutral","sentiment_score":-0.053541036661375656,"channel":0,"num_words":22,"start":1550.6549,"end":1579.665},{"sentences":[{"text":"So your review last year in February 2025, the balance was sitting at $3.35.","start":1579.665,"end":1586.3251,"sentiment":"neutral","sentiment_score":-0.048801705839910677},{"text":"335.","start":1588.465,"end":1590.1,"sentiment":"neutral","sentiment_score":-0.010039797984063624},{"text":"So it is indexing, and it does have some underlying investments in there, not just the fixed interest component.","start":1590.24,"end":1598.64,"sentiment":"neutral","sentiment_score":0.012281025576062109},{"text":"So it's we we would anticipate to continue to see growth, but it just","start":1598.64,"end":1602.855,"sentiment":"neutral","sentiment_score":-0.012055176975471633}],"sentiment":"neutral","sentiment_score":-0.013097847321963249,"channel":0,"num_words":48,"start":1579.665,"end":1602.855},{"sentences":[{"text":"I'm sorry.","start":1602.69,"end":1603.1699,"sentiment":"neutral","sentiment_score":-0.17029639333486557}],"sentiment":"neutral","sentiment_score":-0.17029639333486557,"channel":1,"num_words":2,"start":1602.69,"end":1603.1699},{"sentences":[{"text":"might not","start":1602.855,"end":1603.5951,"sentiment":"neutral","sentiment_score":-0.20920732617378235}],"sentiment":"neutral","sentiment_score":-0.20920732617378235,"channel":0,"num_words":2,"start":1602.855,"end":1603.5951},{"sentences":[{"text":"I can't hear you.","start":1603.1699,"end":1604.3099,"sentiment":"neutral","sentiment_score":-0.20754670351743698}],"sentiment":"neutral","sentiment_score":-0.20754670351743698,"channel":1,"num_words":4,"start":1603.1699,"end":1604.3099},{"sentences":[{"text":"oh, sorry.","start":1605.0951,"end":1605.895,"sentiment":"neutral","sentiment_score":-0.06596767157316208},{"text":"I think it might be this headset, to be honest with you.","start":1605.895,"end":1608.9551,"sentiment":"neutral","sentiment_score":-0.07399569110323985},{"text":"The as at your last and your review, which was February 2025, can you hear me better now?","start":1609.9751,"end":1616.11,"sentiment":"neutral","sentiment_score":-0.010423787869513035}],"sentiment":"neutral","sentiment_score":-0.03773474431363866,"channel":0,"num_words":32,"start":1605.0951,"end":1616.11},{"sentences":[{"text":"Yeah.","start":1616.105,"end":1616.4249,"sentiment":"neutral","sentiment_score":0.10379485040903091},{"text":"Yeah.","start":1616.4249,"end":1616.665,"sentiment":"neutral","sentiment_score":0.20882123708724976},{"text":"Much better.","start":1616.665,"end":1617.485,"sentiment":"positive","sentiment_score":0.34579066932201385}],"sentiment":"neutral","sentiment_score":0.2510493565350771,"channel":1,"num_words":4,"start":1616.105,"end":1617.485},{"sentences":[{"text":"Yep.","start":1617.37,"end":1617.87,"sentiment":"neutral","sentiment_score":0.18610095977783203},{"text":"Yep.","start":1618.01,"end":1618.51,"sentiment":"neutral","sentiment_score":0.11817929148674013},{"text":"The balance was 335,000 approximately, so rounded.","start":1618.97,"end":1624.4299,"sentiment":"neutral","sentiment_score":0.03646006169063704}],"sentiment":"neutral","sentiment_score":0.06216674256655905,"channel":0,"num_words":9,"start":1617.37,"end":1624.4299},{"sentences":[{"text":"Mhmm.","start":1625.19,"end":1625.69,"sentiment":"neutral","sentiment_score":0.021957356482744217}],"sentiment":"neutral","sentiment_score":0.021957356482744217,"channel":1,"num_words":1,"start":1625.19,"end":1625.69},{"sentences":[{"text":"So that was a balance based on 2023 because we didn't have up to date information.","start":1626.6499,"end":1633.425,"sentiment":"neutral","sentiment_score":0.010652533848769963},{"text":"So I'm just gonna jump in now and see your '23.","start":1633.645,"end":1654.2,"sentiment":"neutral","sentiment_score":0.026409998620775612},{"text":"Okay.","start":1661.7749,"end":1662.0149,"sentiment":"neutral","sentiment_score":0.03357313945889473},{"text":"I have a PSS statement 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records.","start":1722.165,"end":1730.47,"sentiment":"neutral","sentiment_score":0.04153974651126191},{"text":"The value for that would have been taken from sorry.","start":1732.53,"end":1748.5449,"sentiment":"neutral","sentiment_score":-0.06915509440004826},{"text":"Won't be a moment.","start":1748.5449,"end":1749.5249,"sentiment":"neutral","sentiment_score":-0.1174329724162817}],"sentiment":"neutral","sentiment_score":0.00035817196423357185,"channel":0,"num_words":55,"start":1716.485,"end":1749.5249},{"sentences":[{"text":"It looks like last year late last year.","start":1767.095,"end":1770.695,"sentiment":"neutral","sentiment_score":-0.08228242676705122},{"text":"So if you do have a current statement at all or a a a a screenshot of a login or anything like that.","start":1770.695,"end":1780.16,"sentiment":"neutral","sentiment_score":0.000585000881034395},{"text":"If you can send that through to us, we can make sure our records are updated to to reflect 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send you an email post our our meeting with any details that you can just respond to if you like.","start":1793.945,"end":1809.23,"sentiment":"neutral","sentiment_score":0.07777524299242279}],"sentiment":"neutral","sentiment_score":0.07078100814084921,"channel":0,"num_words":28,"start":1792.105,"end":1809.23},{"sentences":[{"text":"Yeah.","start":1810.32,"end":1810.5599,"sentiment":"neutral","sentiment_score":0.002507908269762993},{"text":"That would","start":1810.5599,"end":1811.04,"sentiment":"neutral","sentiment_score":-0.06500392407178879}],"sentiment":"neutral","sentiment_score":-0.042499979957938194,"channel":1,"num_words":3,"start":1810.32,"end":1811.04},{"sentences":[{"text":"Yep.","start":1810.8826,"end":1811.3826,"sentiment":"neutral","sentiment_score":-0.05479101091623306}],"sentiment":"neutral","sentiment_score":-0.05479101091623306,"channel":0,"num_words":1,"start":1810.8826,"end":1811.3826},{"sentences":[{"text":"be good because I've got really bad Internet connection 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we have your TEL insurance, which is funded through your Hub twenty four super balance.","start":1848.315,"end":1853.995,"sentiment":"neutral","sentiment_score":0.1406461000442505},{"text":"So what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it.","start":1853.995,"end":1863.16,"sentiment":"neutral","sentiment_score":0.06941406277042848},{"text":"We've got your life insurance at a 110,250.","start":1863.62,"end":1868.28,"sentiment":"neutral","sentiment_score":0.08923622267320752},{"text":"Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, 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would be trauma insurance.","start":2241.5,"end":2249.055,"sentiment":"neutral","sentiment_score":0.06855755044441474},{"text":"Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events.","start":2249.275,"end":2261.92,"sentiment":"neutral","sentiment_score":0.05826044243440265}],"sentiment":"neutral","sentiment_score":0.09199628753472783,"channel":0,"num_words":73,"start":2232.86,"end":2261.92},{"sentences":[{"text":"So they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable.","start":2261.92,"end":2274.675,"sentiment":"neutral","sentiment_score":-0.0010332686762357583},{"text":"The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP.","start":2275.855,"end":2285.07,"sentiment":"neutral","sentiment_score":-0.2307811223325275},{"text":"IP, probably IP, sorry.","start":2285.07,"end":2286.59,"sentiment":"neutral","sentiment_score":-0.09946500323712826},{"text":"Income protection, it's probably one of the most claimable policies.","start":2286.59,"end":2292.21,"sentiment":"neutral","sentiment_score":-0.17515720725059508},{"text":"So you I just note that you don't have any of that.","start":2292.51,"end":2295.1501,"sentiment":"neutral","sentiment_score":-0.18478419445455074}],"sentiment":"neutral","sentiment_score":-0.12162119446714457,"channel":0,"num_words":76,"start":2261.92,"end":2295.1501},{"sentences":[{"text":"I'm just wondering if you are interested in looking at trauma","start":2295.1501,"end":2299.57,"sentiment":"neutral","sentiment_score":-0.08761044625531543}],"sentiment":"neutral","sentiment_score":-0.08761044625531543,"channel":0,"num_words":11,"start":2295.1501,"end":2299.57},{"sentences":[{"text":"How much would that be?","start":2301.295,"end":2302.595,"sentiment":"neutral","sentiment_score":-0.08934395611286164}],"sentiment":"neutral","sentiment_score":-0.08934395611286164,"channel":1,"num_words":5,"start":2301.295,"end":2302.595},{"sentences":[{"text":"insurance.","start":2302.545,"end":2303.045,"sentiment":"neutral","sentiment_score":-0.0999761000275612},{"text":"That depends.","start":2303.585,"end":2304.405,"sentiment":"neutral","sentiment_score":-0.10975636169314384},{"text":"So that is dependent on the the some insured and the company.","start":2304.465,"end":2311.905,"sentiment":"neutral","sentiment_score":-0.10094171948730946},{"text":"So what we do is I'll I'll go away and look at your do some research at in the market.","start":2311.905,"end":2319.84,"sentiment":"neutral","sentiment_score":0.06312207765877247},{"text":"And the the sum insured would be based on your what it is that you're wanting those funds 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seen myself with with friends.","start":2424.5552,"end":2427.27,"sentiment":"neutral","sentiment_score":-0.20107030123472214},{"text":"There is the cost of treatment.","start":2427.65,"end":2431.27,"sentiment":"neutral","sentiment_score":-0.2982563202579816},{"text":"If it's not covered or you don't meet a certain what is it?","start":2431.41,"end":2437.65,"sentiment":"neutral","sentiment_score":-0.26107080510029423}],"sentiment":"neutral","sentiment_score":-0.24594886652354536,"channel":0,"num_words":58,"start":2405.3,"end":2437.65},{"sentences":[{"text":"Grade of cancer, then you do need to pay for treatment.","start":2437.65,"end":2440.8499,"sentiment":"neutral","sentiment_score":-0.3076998957178809},{"text":"So we definitely look at things like 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Financial as on that?","start":2524.0251,"end":2527.165,"sentiment":"neutral","sentiment_score":0.04054202209226787}],"sentiment":"neutral","sentiment_score":0.04054202209226787,"channel":1,"num_words":8,"start":2524.0251,"end":2527.165},{"sentences":[{"text":"yeah.","start":2526.8252,"end":2527.3252,"sentiment":"neutral","sentiment_score":0.07745710015296936},{"text":"Yes.","start":2527.625,"end":2528.125,"sentiment":"neutral","sentiment_score":0.13102637231349945},{"text":"Yeah.","start":2528.345,"end":2528.745,"sentiment":"neutral","sentiment_score":0.16973145306110382},{"text":"Definitely.","start":2528.745,"end":2529.245,"sentiment":"neutral","sentiment_score":0.2803254723548889},{"text":"So I'll definitely add that to my list of little of items to conduct a little bit of research 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have?","start":2549.625,"end":2550.285,"sentiment":"neutral","sentiment_score":0.02613251283764839}],"sentiment":"neutral","sentiment_score":0.02613251283764839,"channel":0,"num_words":2,"start":2549.625,"end":2550.285},{"sentences":[{"text":"Yep.","start":2550.46,"end":2550.96,"sentiment":"neutral","sentiment_score":0.0356617234647274}],"sentiment":"neutral","sentiment_score":0.0356617234647274,"channel":1,"num_words":1,"start":2550.46,"end":2550.96},{"sentences":[{"text":"Okay.","start":2552.905,"end":2553.385,"sentiment":"neutral","sentiment_score":0.04213704168796539},{"text":"So from that, the second page will show you a return a net return.","start":2553.385,"end":2559.625,"sentiment":"neutral","sentiment_score":0.025068769896669046},{"text":"So this is gross after fees, sorry, of 6.52%.","start":2559.625,"end":2563.55,"sentiment":"neutral","sentiment_score":-0.005468993861642148},{"text":"Now your risk profile is a gross risk profile,","start":2563.55,"end":2569.8901,"sentiment":"neutral","sentiment_score":-0.0627905060019758}],"sentiment":"neutral","sentiment_score":-0.006704111470643318,"channel":0,"num_words":33,"start":2552.905,"end":2569.8901},{"sentences":[{"text":"Yes.","start":2570.4,"end":2570.9,"sentiment":"neutral","sentiment_score":-0.031156914308667183}],"sentiment":"neutral","sentiment_score":-0.031156914308667183,"channel":1,"num_words":1,"start":2570.4,"end":2570.9},{"sentences":[{"text":"and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile.","start":2571.31,"end":2578.575,"sentiment":"neutral","sentiment_score":-0.14540077331993315},{"text":"The return on a growth risk profile would sit between the seven to 9% mark, which is reflective.","start":2579.275,"end":2588.7349,"sentiment":"neutral","sentiment_score":-0.041727488239606224},{"text":"If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund.","start":2588.9548,"end":2594.3499,"sentiment":"neutral","sentiment_score":-0.05972785691154145},{"text":"It's had a significant loss in the last twelve months.","start":2595.21,"end":2598.91,"sentiment":"negative","sentiment_score":-0.42341623902320863},{"text":"If you can see in brackets, it's a loss of 21.28%.","start":2600.0898,"end":2604.365,"sentiment":"neutral","sentiment_score":-0.23771894655444406}],"sentiment":"neutral","sentiment_score":-0.14707262186596218,"channel":0,"num_words":78,"start":2571.31,"end":2604.365},{"sentences":[{"text":"That's","start":2604.7898,"end":2605.1099,"sentiment":"neutral","sentiment_score":-0.1769210547208786}],"sentiment":"neutral","sentiment_score":-0.1769210547208786,"channel":1,"num_words":1,"start":2604.7898,"end":2605.1099},{"sentences":[{"text":"Now","start":2605.065,"end":2605.565,"sentiment":"neutral","sentiment_score":-0.15914596617221832}],"sentiment":"neutral","sentiment_score":-0.15914596617221832,"channel":0,"num_words":1,"start":2605.065,"end":2605.565},{"sentences":[{"text":"a lot.","start":2605.1099,"end":2605.69,"sentiment":"neutral","sentiment_score":-0.10825115442276002}],"sentiment":"neutral","sentiment_score":-0.10825115442276002,"channel":1,"num_words":2,"start":2605.1099,"end":2605.69},{"sentences":[{"text":"it is.","start":2606.425,"end":2606.985,"sentiment":"neutral","sentiment_score":-0.01684623211622238},{"text":"It is.","start":2606.985,"end":2607.725,"sentiment":"neutral","sentiment_score":-0.024869299493730068},{"text":"Now that's not reflective of the actual Australian share market as a whole.","start":2607.945,"end":2612.125,"sentiment":"neutral","sentiment_score":-0.19942719432023856},{"text":"It's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them.","start":2612.985,"end":2637.2551,"sentiment":"neutral","sentiment_score":-0.02610930145062782},{"text":"Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors.","start":2637.715,"end":2658.59,"sentiment":"neutral","sentiment_score":-0.2765931165532062}],"sentiment":"neutral","sentiment_score":-0.13391215868567655,"channel":0,"num_words":109,"start":2606.425,"end":2658.59},{"sentences":[{"text":"So with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return.","start":2658.81,"end":2670.105,"sentiment":"neutral","sentiment_score":-0.2803656949024451},{"text":"So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial.","start":2670.165,"end":2700.3152,"sentiment":"neutral","sentiment_score":-0.055113019124753235},{"text":"So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable","start":2701.5752,"end":2716.815,"sentiment":"neutral","sentiment_score":-0.03558804057311357}],"sentiment":"neutral","sentiment_score":-0.08208415648257432,"channel":0,"num_words":129,"start":2658.81,"end":2716.815},{"sentences":[{"text":"Yeah.","start":2717.7651,"end":2718.245,"sentiment":"neutral","sentiment_score":-0.12035192549228668},{"text":"They're not performing.","start":2718.245,"end":2719.305,"sentiment":"neutral","sentiment_score":-0.25093093514442444},{"text":"We have to","start":2719.445,"end":2720.345,"sentiment":"neutral","sentiment_score":-0.18428836266199747}],"sentiment":"neutral","sentiment_score":-0.20371568841593607,"channel":1,"num_words":7,"start":2717.7651,"end":2720.345},{"sentences":[{"text":"with that.","start":2720.4949,"end":2720.815,"sentiment":"neutral","sentiment_score":-0.19003282487392426},{"text":"Yep.","start":2720.815,"end":2721.315,"sentiment":"neutral","sentiment_score":0.016979243606328964},{"text":"Correct.","start":2721.535,"end":2722.035,"sentiment":"neutral","sentiment_score":0.06262224912643433}],"sentiment":"neutral","sentiment_score":-0.0751160392537713,"channel":0,"num_words":4,"start":2720.4949,"end":2722.035},{"sentences":[{"text":"so let me move 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is","start":2728.015,"end":2739.5798,"sentiment":"positive","sentiment_score":0.339693676038035}],"sentiment":"neutral","sentiment_score":0.31532191508449614,"channel":0,"num_words":32,"start":2724.7349,"end":2739.5798},{"sentences":[{"text":"Mhmm.","start":2739.2302,"end":2739.7302,"sentiment":"neutral","sentiment_score":0.3127424716949463}],"sentiment":"neutral","sentiment_score":0.3127424716949463,"channel":1,"num_words":1,"start":2739.2302,"end":2739.7302},{"sentences":[{"text":"is really favorable.","start":2741.48,"end":2742.6199,"sentiment":"positive","sentiment_score":0.4828471938769023},{"text":"The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF.","start":2743.24,"end":2753.275,"sentiment":"neutral","sentiment_score":0.13734757204850515},{"text":"Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the 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with Hub, do you have any questions?","start":2847.05,"end":2850.43,"sentiment":"neutral","sentiment_score":0.09004462448259194}],"sentiment":"neutral","sentiment_score":0.10923812378730093,"channel":0,"num_words":14,"start":2844.73,"end":2850.43},{"sentences":[{"text":"No.","start":2851.375,"end":2851.875,"sentiment":"neutral","sentiment_score":-0.06646692007780075},{"text":"I think apart","start":2852.0952,"end":2852.895,"sentiment":"neutral","sentiment_score":-0.05142607167363167}],"sentiment":"neutral","sentiment_score":-0.05518628377467394,"channel":1,"num_words":4,"start":2851.375,"end":2852.895},{"sentences":[{"text":"No.","start":2852.81,"end":2853.31,"sentiment":"neutral","sentiment_score":-0.14853474497795105}],"sentiment":"neutral","sentiment_score":-0.14853474497795105,"channel":0,"num_words":1,"start":2852.81,"end":2853.31},{"sentences":[{"text":"from that, then along,","start":2852.895,"end":2854.195,"sentiment":"neutral","sentiment_score":-0.14262435771524906}],"sentiment":"neutral","sentiment_score":-0.14262435771524906,"channel":1,"num_words":4,"start":2852.895,"end":2854.195},{"sentences":[{"text":"Yeah.","start":2855.505,"end":2855.7449,"sentiment":"neutral","sentiment_score":-0.08973367512226105},{"text":"Yep.","start":2855.7449,"end":2856.2449,"sentiment":"neutral","sentiment_score":-0.102872334420681}],"sentiment":"neutral","sentiment_score":-0.09630300477147102,"channel":0,"num_words":2,"start":2855.505,"end":2856.2449},{"sentences":[{"text":"which was, you know, disappointing.","start":2856.2551,"end":2858.0352,"sentiment":"negative","sentiment_score":-0.40917866230010985}],"sentiment":"negative","sentiment_score":-0.40917866230010985,"channel":1,"num_words":5,"start":2856.2551,"end":2858.0352},{"sentences":[{"text":"Yes.","start":2859.105,"end":2859.585,"sentiment":"neutral","sentiment_score":-0.0585133396089077},{"text":"Yes.","start":2859.585,"end":2860.065,"sentiment":"neutral","sentiment_score":-0.01844089850783348},{"text":"Definitely.","start":2860.065,"end":2860.565,"sentiment":"neutral","sentiment_score":-0.00915391556918621}],"sentiment":"neutral","sentiment_score":-0.02870271789530913,"channel":0,"num_words":3,"start":2859.105,"end":2860.565},{"sentences":[{"text":"But, you know, that's stock market, isn't it really?","start":2860.3352,"end":2863.3152,"sentiment":"neutral","sentiment_score":-0.1086719392074479}],"sentiment":"neutral","sentiment_score":-0.1086719392074479,"channel":1,"num_words":9,"start":2860.3352,"end":2863.3152},{"sentences":[{"text":"Yeah.","start":2864.065,"end":2864.4648,"sentiment":"neutral","sentiment_score":-0.10505130141973495},{"text":"Of course.","start":2864.4648,"end":2865.025,"sentiment":"neutral","sentiment_score":-0.14474619925022125},{"text":"And and with a gross risk profile, you're looking at about every one in five years of having a negative return.","start":2865.025,"end":2872.29,"sentiment":"neutral","sentiment_score":-0.2551736299480711},{"text":"So even though you haven't had a negative return overall, you have had a negative impact to your portfolio.","start":2872.75,"end":2877.49,"sentiment":"negative","sentiment_score":-0.3584434554765099}],"sentiment":"neutral","sentiment_score":-0.29217710657868273,"channel":0,"num_words":43,"start":2864.065,"end":2877.49},{"sentences":[{"text":"Yep.","start":2878.16,"end":2878.605,"sentiment":"neutral","sentiment_score":-0.035461507737636566}],"sentiment":"neutral","sentiment_score":-0.035461507737636566,"channel":1,"num_words":1,"start":2878.16,"end":2878.605},{"sentences":[{"text":"But, also, you've got 80% allocation to your growth assets.","start":2879.07,"end":2882.565,"sentiment":"neutral","sentiment_score":-0.015392358414828777},{"text":"So you are you are definitely gonna experience market ups and downs.","start":2882.565,"end":2887.145,"sentiment":"neutral","sentiment_score":-0.09638321523865064},{"text":"But with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested 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months,","start":2929.56,"end":2937.005,"sentiment":"neutral","sentiment_score":0.05961422427069573}],"sentiment":"neutral","sentiment_score":0.015209199395030737,"channel":0,"num_words":24,"start":2927.32,"end":2937.005},{"sentences":[{"text":"Yep.","start":2937.2449,"end":2937.7449,"sentiment":"neutral","sentiment_score":0.16204284131526947}],"sentiment":"neutral","sentiment_score":0.16204284131526947,"channel":1,"num_words":1,"start":2937.2449,"end":2937.7449},{"sentences":[{"text":"looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you.","start":2938.505,"end":2951.4302,"sentiment":"neutral","sentiment_score":0.15166094379894662},{"text":"And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast.","start":2951.4302,"end":2959.6902,"sentiment":"neutral","sentiment_score":0.18425301355975016},{"text":"So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area","start":2959.75,"end":2969.295,"sentiment":"neutral","sentiment_score":0.06496340974613472}],"sentiment":"neutral","sentiment_score":0.1312115616452547,"channel":0,"num_words":81,"start":2938.505,"end":2969.295},{"sentences":[{"text":"Yeah.","start":2969.875,"end":2970.375,"sentiment":"neutral","sentiment_score":0.1196766048669815}],"sentiment":"neutral","sentiment_score":0.1196766048669815,"channel":1,"num_words":1,"start":2969.875,"end":2970.375},{"sentences":[{"text":"with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that.","start":2970.715,"end":2977.615,"sentiment":"neutral","sentiment_score":0.2138650022123171},{"text":"But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30%","start":2977.86,"end":2998.385,"sentiment":"neutral","sentiment_score":0.06516331719125018}],"sentiment":"neutral","sentiment_score":0.12516575149799647,"channel":0,"num_words":57,"start":2970.715,"end":2998.385},{"sentences":[{"text":"Hello?","start":2997.935,"end":2998.435,"sentiment":"neutral","sentiment_score":0.013929856941103935}],"sentiment":"neutral","sentiment_score":0.013929856941103935,"channel":1,"num_words":1,"start":2997.935,"end":2998.435},{"sentences":[{"text":"defensive.","start":2998.5251,"end":2999.0251,"sentiment":"neutral","sentiment_score":-0.06131871044635773},{"text":"So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years.","start":2999.885,"end":3011.73,"sentiment":"neutral","sentiment_score":-0.23935481626540422},{"text":"So that's something that we would definitely look at doing as you approach retirement","start":3012.3499,"end":3018.105,"sentiment":"neutral","sentiment_score":0.22705482425434248}],"sentiment":"neutral","sentiment_score":-0.09663628279528719,"channel":0,"num_words":47,"start":2998.5251,"end":3018.105},{"sentences":[{"text":"Yep.","start":3019.395,"end":3019.895,"sentiment":"neutral","sentiment_score":0.1598329097032547}],"sentiment":"neutral","sentiment_score":0.1598329097032547,"channel":1,"num_words":1,"start":3019.395,"end":3019.895},{"sentences":[{"text":"and on on your also your comfort with risk.","start":3019.685,"end":3027.5452,"sentiment":"neutral","sentiment_score":0.14458557549450132},{"text":"So I think probably there's two","start":3028.165,"end":3031.8,"sentiment":"neutral","sentiment_score":0.023856187860171}],"sentiment":"neutral","sentiment_score":0.0962938204407692,"channel":0,"num_words":15,"start":3019.685,"end":3031.8},{"sentences":[{"text":"Okay.","start":3051.355,"end":3051.7551,"sentiment":"neutral","sentiment_score":0.06433350592851639},{"text":"Let's do that.","start":3051.7551,"end":3052.735,"sentiment":"neutral","sentiment_score":0.07816350211699803}],"sentiment":"neutral","sentiment_score":0.07470600306987762,"channel":1,"num_words":4,"start":3051.355,"end":3052.735},{"sentences":[{"text":"aggressive investment you have ever made?","start":3058.2952,"end":3062.281,"sentiment":"neutral","sentiment_score":0.0703890323638916},{"text":"So you can look at this from your superannuation fund or even you're you're doing crypto at the moment.","start":3062.281,"end":3067.97,"sentiment":"neutral","sentiment_score":0.1002859914381253},{"text":"So I'd probably say you're quite a aggressive investor that understands risk.","start":3067.97,"end":3073.875,"sentiment":"neutral","sentiment_score":0.09239108798404534},{"text":"Would you say that?","start":3073.875,"end":3075.335,"sentiment":"neutral","sentiment_score":0.0190820200368762}],"sentiment":"neutral","sentiment_score":0.08567778457228731,"channel":0,"num_words":41,"start":3058.2952,"end":3075.335},{"sentences":[{"text":"Yeah.","start":3077.005,"end":3077.505,"sentiment":"neutral","sentiment_score":0.06509065628051758},{"text":"Because","start":3078.045,"end":3078.525,"sentiment":"neutral","sentiment_score":0.04458178207278251}],"sentiment":"neutral","sentiment_score":0.05483621917665005,"channel":1,"num_words":2,"start":3077.005,"end":3078.525},{"sentences":[{"text":"Yep.","start":3078.195,"end":3078.675,"sentiment":"neutral","sentiment_score":0.05786333605647087}],"sentiment":"neutral","sentiment_score":0.05786333605647087,"channel":0,"num_words":1,"start":3078.195,"end":3078.675},{"sentences":[{"text":"I","start":3078.525,"end":3078.765,"sentiment":"neutral","sentiment_score":0.03557133302092552}],"sentiment":"neutral","sentiment_score":0.03557133302092552,"channel":1,"num_words":1,"start":3078.525,"end":3078.765},{"sentences":[{"text":"So","start":3078.675,"end":3079.155,"sentiment":"neutral","sentiment_score":0.03455862030386925}],"sentiment":"neutral","sentiment_score":0.03455862030386925,"channel":0,"num_words":1,"start":3078.675,"end":3079.155},{"sentences":[{"text":"I check","start":3078.765,"end":3079.165,"sentiment":"neutral","sentiment_score":0.037256354466080666}],"sentiment":"neutral","sentiment_score":0.037256354466080666,"channel":1,"num_words":2,"start":3078.765,"end":3079.165},{"sentences":[{"text":"if","start":3079.155,"end":3079.655,"sentiment":"neutral","sentiment_score":0.014356788247823715}],"sentiment":"neutral","sentiment_score":0.014356788247823715,"channel":0,"num_words":1,"start":3079.155,"end":3079.655},{"sentences":[{"text":"it and I go, okay.","start":3079.165,"end":3080.605,"sentiment":"neutral","sentiment_score":-0.002840587496757507},{"text":"Lost a little bit.","start":3080.605,"end":3081.4849,"sentiment":"neutral","sentiment_score":-0.08242245391011238},{"text":"But","start":3081.4849,"end":3081.9849,"sentiment":"neutral","sentiment_score":0.10145734250545502}],"sentiment":"neutral","sentiment_score":-0.024243541061878204,"channel":1,"num_words":10,"start":3079.165,"end":3081.9849},{"sentences":[{"text":"that's good.","start":3083.555,"end":3084.375,"sentiment":"neutral","sentiment_score":0.2786861062049866},{"text":"So we've got direct shares and managed funds.","start":3084.435,"end":3087.555,"sentiment":"neutral","sentiment_score":0.11426632199436426},{"text":"So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk.","start":3087.555,"end":3097.3098,"sentiment":"neutral","sentiment_score":0.0946392547339201},{"text":"So that's the answer to that question.","start":3099.69,"end":3104.155,"sentiment":"neutral","sentiment_score":0.10179916769266129},{"text":"The with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market?","start":3105.0151,"end":3119.29,"sentiment":"neutral","sentiment_score":-0.05766037118931611}],"sentiment":"neutral","sentiment_score":0.033196806334532224,"channel":0,"num_words":65,"start":3083.555,"end":3119.29},{"sentences":[{"text":"So there's a couple of questions here.","start":3119.29,"end":3121.23,"sentiment":"neutral","sentiment_score":-0.008703160299254315},{"text":"Number or answers, I should say.","start":3121.85,"end":3123.37,"sentiment":"neutral","sentiment_score":-0.040626280630628266},{"text":"Number one, you're willing to accept very high risk to outpace inflation.","start":3123.37,"end":3126.75,"sentiment":"neutral","sentiment_score":-0.18191016372293234},{"text":"Number two, you're willing to accept high risk to outpace.","start":3126.97,"end":3131.465,"sentiment":"neutral","sentiment_score":-0.07752583492547274},{"text":"So basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at 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it?","start":3183.37,"end":3185.7102,"sentiment":"neutral","sentiment_score":-0.11543340515345335}],"sentiment":"neutral","sentiment_score":-0.11543340515345335,"channel":1,"num_words":8,"start":3183.37,"end":3185.7102},{"sentences":[{"text":"little bit.","start":3186.61,"end":3187.155,"sentiment":"neutral","sentiment_score":-0.07115032151341438},{"text":"Yeah.","start":3187.555,"end":3187.635,"sentiment":"neutral","sentiment_score":-0.00017329305410385132},{"text":"I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week.","start":3187.635,"end":3196.915,"sentiment":"neutral","sentiment_score":-0.027135266291518367},{"text":"That's still seven years in the market.","start":3196.915,"end":3199.315,"sentiment":"neutral","sentiment_score":-0.06557987523930413},{"text":"So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage.","start":3199.315,"end":3205.18,"sentiment":"neutral","sentiment_score":-0.04909247199171468}],"sentiment":"neutral","sentiment_score":-0.039591388093928495,"channel":0,"num_words":60,"start":3186.61,"end":3205.18},{"sentences":[{"text":"And then even it's even longer if it's if it your retirement does push out.","start":3206.36,"end":3212.6,"sentiment":"neutral","sentiment_score":-0.19578787585099539},{"text":"Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio.","start":3212.6,"end":3220.935,"sentiment":"neutral","sentiment_score":-0.07109689420979956},{"text":"So it's, yeah, it's up to it's really your comfort level.","start":3221.395,"end":3226.215,"sentiment":"neutral","sentiment_score":0.23016692833466965}],"sentiment":"neutral","sentiment_score":-0.041636948834876626,"channel":0,"num_words":49,"start":3206.36,"end":3226.215},{"sentences":[{"text":"So I get a sense I should be sitting between moderate and high.","start":3228.6501,"end":3232.1902,"sentiment":"neutral","sentiment_score":0.20421483998115247}],"sentiment":"neutral","sentiment_score":0.20421483998115247,"channel":1,"num_words":13,"start":3228.6501,"end":3232.1902},{"sentences":[{"text":"It's completely your gut feeling.","start":3234.29,"end":3237.43,"sentiment":"neutral","sentiment_score":0.25780479311943055}],"sentiment":"neutral","sentiment_score":0.25780479311943055,"channel":0,"num_words":5,"start":3234.29,"end":3237.43},{"sentences":[{"text":"So what were the options then?","start":3242.2551,"end":3245.635,"sentiment":"neutral","sentiment_score":0.011818150989711285}],"sentiment":"neutral","sentiment_score":0.011818150989711285,"channel":1,"num_words":6,"start":3242.2551,"end":3245.635},{"sentences":[{"text":"Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at 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have?","start":3619.8901,"end":3621.525,"sentiment":"neutral","sentiment_score":0.03863125800022057}],"sentiment":"neutral","sentiment_score":0.07676675143496443,"channel":0,"num_words":48,"start":3605.915,"end":3621.525},{"sentences":[{"text":"Yep.","start":3621.825,"end":3622.305,"sentiment":"neutral","sentiment_score":0.04367118701338768},{"text":"Yep.","start":3622.305,"end":3622.805,"sentiment":"neutral","sentiment_score":0.04074986279010773}],"sentiment":"neutral","sentiment_score":0.042210524901747704,"channel":1,"num_words":2,"start":3621.825,"end":3622.805},{"sentences":[{"text":"Yep.","start":3622.805,"end":3623.305,"sentiment":"neutral","sentiment_score":0.04305004328489304},{"text":"So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the 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it all in six months and, you know, there's","start":4521.9297,"end":4525.29,"sentiment":"neutral","sentiment_score":-0.14331627450883389}],"sentiment":"neutral","sentiment_score":-0.14331627450883389,"channel":1,"num_words":14,"start":4521.9297,"end":4525.29},{"sentences":[{"text":"Yeah.","start":4524.985,"end":4525.485,"sentiment":"neutral","sentiment_score":-0.03502298519015312}],"sentiment":"neutral","sentiment_score":-0.03502298519015312,"channel":0,"num_words":1,"start":4524.985,"end":4525.485},{"sentences":[{"text":"no","start":4525.29,"end":4525.79,"sentiment":"neutral","sentiment_score":-0.035135142505168915}],"sentiment":"neutral","sentiment_score":-0.035135142505168915,"channel":1,"num_words":1,"start":4525.29,"end":4525.79},{"sentences":[{"text":"Yep.","start":4525.705,"end":4526.205,"sentiment":"neutral","sentiment_score":-0.028438463807106015},{"text":"Yep.","start":4526.585,"end":4527.085,"sentiment":"neutral","sentiment_score":0.01004198007285595},{"text":"I will send 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there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will.","start":4552.515,"end":4569.15,"sentiment":"neutral","sentiment_score":-0.03549993503161944},{"text":"So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts.","start":4569.4653,"end":4579.805,"sentiment":"neutral","sentiment_score":0.05584716823484216},{"text":"So it's probably something that we do need to look at, and we can have a 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go.","start":4956.055,"end":4956.6353,"sentiment":"neutral","sentiment_score":0.12442510202527046},{"text":"Fantastic.","start":4957.1753,"end":4957.6753,"sentiment":"positive","sentiment_score":0.6401517391204834}],"sentiment":"neutral","sentiment_score":0.2963339810570081,"channel":0,"num_words":3,"start":4956.055,"end":4957.6753},{"sentences":[{"text":"Can you you can set it on that end?","start":4957.41,"end":4959.99,"sentiment":"neutral","sentiment_score":0.3230617278152042}],"sentiment":"neutral","sentiment_score":0.3230617278152042,"channel":1,"num_words":9,"start":4957.41,"end":4959.99},{"sentences":[{"text":"Let me just jump in.","start":4960.7754,"end":4962.455,"sentiment":"neutral","sentiment_score":0.13830765038728715},{"text":"I'll just check with I'll just check with Whitlam.","start":4962.455,"end":4969.14,"sentiment":"neutral","sentiment_score":0.11818715929985046},{"text":"I won't be a second.","start":4969.14,"end":4970.3604,"sentiment":"neutral","sentiment_score":0.08803416043519974},{"text":"Yep.","start":4980.755,"end":4981.235,"sentiment":"neutral","sentiment_score":0.24703213572502136},{"text":"All perfect.","start":4981.235,"end":4981.875,"sentiment":"positive","sentiment_score":0.7072128653526306}],"sentiment":"neutral","sentiment_score":0.1753114251927896,"channel":0,"num_words":22,"start":4960.7754,"end":4981.875},{"sentences":[{"text":"Thank you so much for that.","start":4981.875,"end":4983.4946,"sentiment":"positive","sentiment_score":0.8316033681233724}],"sentiment":"positive","sentiment_score":0.8316033681233724,"channel":0,"num_words":6,"start":4981.875,"end":4983.4946},{"sentences":[{"text":"No worries.","start":4983.63,"end":4984.4497,"sentiment":"positive","sentiment_score":0.4342042952775955},{"text":"Thank you.","start":4984.51,"end":4985.07,"sentiment":"positive","sentiment_score":0.5839326083660126},{"text":"Alright.","start":4985.07,"end":4985.4697,"sentiment":"neutral","sentiment_score":0.27521592378616333},{"text":"Well, I'll talk to you soon.","start":4985.4697,"end":4986.85,"sentiment":"positive","sentiment_score":0.3429574916760127}],"sentiment":"positive","sentiment_score":0.3972031528299505,"channel":1,"num_words":11,"start":4983.63,"end":4986.85},{"sentences":[{"text":"Beautiful.","start":4987.3945,"end":4987.875,"sentiment":"positive","sentiment_score":0.7374324798583984},{"text":"Thanks, Carmen.","start":4987.875,"end":4988.675,"sentiment":"positive","sentiment_score":0.6959719657897949},{"text":"I will be in touch","start":4988.675,"end":4989.8066,"sentiment":"positive","sentiment_score":0.42371741533279417}],"sentiment":"positive","sentiment_score":0.5309954360127449,"channel":0,"num_words":8,"start":4987.3945,"end":4989.8066},{"sentences":[{"text":"Okay.","start":4990.83,"end":4991.23,"sentiment":"positive","sentiment_score":0.395233154296875},{"text":"Awesome.","start":4991.23,"end":4991.6367,"sentiment":"positive","sentiment_score":0.7844313383102417},{"text":"Thank you.","start":4991.877,"end":4992.6167,"sentiment":"positive","sentiment_score":0.6695957183837891}],"sentiment":"positive","sentiment_score":0.6297139823436737,"channel":1,"num_words":4,"start":4990.83,"end":4992.6167},{"sentences":[{"text":"soon.","start":4992.1265,"end":4992.3667,"sentiment":"positive","sentiment_score":0.35516658425331116},{"text":"Okay.","start":4992.3667,"end":4992.8667,"sentiment":"neutral","sentiment_score":0.2270541787147522},{"text":"Bye.","start":4993.1665,"end":4993.6665,"sentiment":"neutral","sentiment_score":0.20673470199108124}],"sentiment":"neutral","sentiment_score":0.26298515498638153,"channel":0,"num_words":3,"start":4992.1265,"end":4993.6665},{"sentences":[{"text":"Bye.","start":4993.797,"end":4994.297,"sentiment":"neutral","sentiment_score":-0.09457514435052872}],"sentiment":"neutral","sentiment_score":-0.09457514435052872,"channel":1,"num_words":1,"start":4993.797,"end":4994.297}]},"summary":{"result":"success","short":"The representative discusses personal information, retirement plans, health and lifestyle, and travel plans with the customer. They emphasize the importance of maintaining a gross risk profile and reducing risk levels for maximum return. The representative provides guidance on updating records and setting up a will and power of attorney, and estate planning for a client's son. The customer is instructed to sign documents and complete the process, and the call ends with confirmation of everything is okay."},"intents":{"segments":[{"text":"And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please? Okay.","start_word":103,"end_word":128,"intents":[{"intent":"Confirm identity","confidence_score":0.58812547},{"intent":"Confirm identity","confidence_score":0.2640312},{"intent":"Provide username and password","confidence_score":0.0016712383},{"intent":"Confirm identity","confidence_score":0.8300782}]},{"text":"So the purpose of my call our call this morning is to go through your annual review. Mhmm.","start_word":156,"end_word":173,"intents":[{"intent":"Run review","confidence_score":0.09240063}]},{"text":"Are you single in a partnership?","start_word":229,"end_word":234,"intents":[{"intent":"Confirm partnership details","confidence_score":0.0030600314}]},{"text":"And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770. Yep.","start_word":246,"end_word":264,"intents":[{"intent":"Update address","confidence_score":0.5729264}]},{"text":"And how much you pay on that per fortnight or per week?","start_word":1032,"end_word":1043,"intents":[{"intent":"Assess payment options","confidence_score":0.0002934443}]},{"text":"I'll I'll touch on that shortly shortly with you as well. We'll we'll cover off those areas, particularly in relation to your super and your insurance and how how that will be passed if Yep. something was to happen to you. So we'll run through that from an estate planning perspective. And I'm just gonna circle back to your original goals and objectives that you had last time that you had a review. Yep.","start_word":1444,"end_word":1517,"intents":[{"intent":"Explain purpose of call","confidence_score":0.000053783806}]},{"text":"And traveling, have you got any special travel plans? Yeah.","start_word":1641,"end_word":1650,"intents":[{"intent":"Discuss upcoming travel plans","confidence_score":0.006163985},{"intent":"Discuss current travel plans","confidence_score":0.00027062843}]},{"text":"The other there's a cut there's three more goals. One of them was you want to live comfortably and not have to worry about anything. Is that does that refer to now or in retirement? In retirement.","start_word":1872,"end_word":1908,"intents":[{"intent":"Determine retirement goals","confidence_score":0.015710581}]},{"text":"But in saying that as well, what age do is the ideal retirement age for yourself?","start_word":2046,"end_word":2061,"intents":[{"intent":"Consider retirement age","confidence_score":0.00064389023}]},{"text":"Reducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60?","start_word":2343,"end_word":2376,"intents":[{"intent":"Reduce hours","confidence_score":0.8790758}]},{"text":"to project out what we need to do, look at strategies in helping you achieve that. The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son. Yes.","start_word":2418,"end_word":2472,"intents":[{"intent":"Project goals","confidence_score":0.37228027}]},{"text":"I think I'd like to travel regularly Yes. in my retirement.","start_word":2559,"end_word":2569,"intents":[{"intent":"Travel regularly","confidence_score":0.30659777}]},{"text":"We can definitely look at that. What would you budget for on these holidays every two years?","start_word":2666,"end_word":2682,"intents":[{"intent":"Fund holidays","confidence_score":0.32114926}]},{"text":"What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday? What would be your budget that I could factor in? Oh, dear.","start_word":2684,"end_word":2715,"intents":[{"intent":"Inquire about budgeting","confidence_score":0.0057853726}]},{"text":"And what the what the economy's like, you know, the currency. Yeah.","start_word":2722,"end_word":2733,"intents":[{"intent":"Discuss currency","confidence_score":0.1170606}]},{"text":"So if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible. And from 60 onwards, we would look at funding that through your retirement income work and a combination of both.","start_word":2997,"end_word":3044,"intents":[{"intent":"Consider retirement income","confidence_score":0.0076397113}]},{"text":"So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage? Look.","start_word":3049,"end_word":3076,"intents":[{"intent":"Consider travel plans","confidence_score":0.006359799}]},{"text":"Do you have access to your emails at the moment?","start_word":3102,"end_word":3111,"intents":[{"intent":"Provide access to emails","confidence_score":0.0026275306}]},{"text":"These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment.","start_word":3148,"end_word":3175,"intents":[{"intent":"Provide review documents","confidence_score":0.14783801}]},{"text":"So if you can just open the attachments, we're gonna run through them briefly. And, Okay.","start_word":3231,"end_word":3246,"intents":[{"intent":"Open attachments","confidence_score":0.3187217}]},{"text":"So is the first document you've got viewable a financial summary of your super and insurance? Yep.","start_word":3296,"end_word":3312,"intents":[{"intent":"View financial summary","confidence_score":0.24597712}]},{"text":"So it is indexing, and it does have some underlying investments in there, not just the fixed interest component.","start_word":3394,"end_word":3412,"intents":[{"intent":"Discuss indexing","confidence_score":0.009248484}]},{"text":"What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records.","start_word":3637,"end_word":3668,"intents":[{"intent":"Update records","confidence_score":0.54290044}]},{"text":"The other question is is when you do purchase a house, do you think there'll be debt attached to that house? Yeah. So Yeah.","start_word":3969,"end_word":3992,"intents":[{"intent":"Discuss debt options","confidence_score":0.045118872}]},{"text":"if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it.","start_word":4154,"end_word":4178,"intents":[{"intent":"Discuss debt options","confidence_score":0.02570962}]},{"text":"But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point Yeah.","start_word":4178,"end_word":4255,"intents":[{"intent":"Determine life insurance coverage","confidence_score":0.09363144}]},{"text":"I probably got as as even though I would like to retire at 60, Mhmm. perhaps the reality is it's not gonna happen till 67. Do you know what I mean?","start_word":4288,"end_word":4318,"intents":[{"intent":"Determine retirement age","confidence_score":0.0753326}]},{"text":"that, you know, who's gonna lend money to a 50 year old woman, you know, with only a few years left. Yeah.","start_word":4335,"end_word":4356,"intents":[{"intent":"Determine loan loan intentions","confidence_score":0.00004059442}]},{"text":"those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration. Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of Yeah.","start_word":4359,"end_word":4421,"intents":[{"intent":"Remind about mortgage plans","confidence_score":0.00096744386},{"intent":"Consider mortgage options","confidence_score":0.0030897423},{"intent":"Discuss mortgage plans","confidence_score":0.019597406},{"intent":"Explain financial goals","confidence_score":0.00081219064}]},{"text":"Look, I'd love to. yours. I'd love to have Yep. that. Yep.","start_word":4422,"end_word":4433,"intents":[{"intent":"Express desire for yep","confidence_score":0.002888559}]},{"text":"So we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage. And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance.","start_word":4779,"end_word":4817,"intents":[{"intent":"Update insurance coverage","confidence_score":0.033530906}]},{"text":"That depends.","start_word":4943,"end_word":4944,"intents":[{"intent":"Understand insurance coverage","confidence_score":0.0022131791}]},{"text":"So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial.","start_word":5766,"end_word":5834,"intents":[{"intent":"Analyze investment strategies","confidence_score":0.0006464105}]},{"text":"So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest. Now the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund.","start_word":6007,"end_word":6077,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.00046627485}]},{"text":"What we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months, Yep.","start_word":6377,"end_word":6398,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.0051791347},{"intent":"Discuss investment strategies","confidence_score":0.102602646},{"intent":"Address risk profile and volatility","confidence_score":0.00031156655}]},{"text":"looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you.","start_word":6398,"end_word":6430,"intents":[{"intent":"Assess retirement age and retirement risks","confidence_score":0.000018442106}]},{"text":"And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast.","start_word":6431,"end_word":6451,"intents":[{"intent":"Understand risk and inflation","confidence_score":0.001221032}]},{"text":"So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area Yeah.","start_word":6452,"end_word":6479,"intents":[{"intent":"Discuss volatility and growth strategies","confidence_score":0.00000776889}]},{"text":"So you can look at this from your superannuation fund or even you're you're doing crypto at the moment. So I'd probably say you're quite a aggressive investor that understands risk. Would you say that? Yeah.","start_word":6611,"end_word":6646,"intents":[{"intent":"Clarify investment preferences","confidence_score":0.0029444941}]},{"text":"Number one, you're willing to accept very high risk to outpace inflation.","start_word":6742,"end_word":6753,"intents":[{"intent":"Express willingness to overcome inflation","confidence_score":0.00013342047}]},{"text":"It it just gives us an idea of your risk tolerance.","start_word":6811,"end_word":6821,"intents":[{"intent":"Educate about risk tolerance","confidence_score":0.0007780205}]},{"text":"This just gives us an idea of your tolerance to risk.","start_word":7160,"end_word":7170,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.45944497},{"intent":"Confirm risk tolerance","confidence_score":0.000126895}]},{"text":"So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with. Yeah.","start_word":7263,"end_word":7306,"intents":[{"intent":"Assess risk level","confidence_score":0.09623932}]},{"text":"So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach.","start_word":7307,"end_word":7344,"intents":[{"intent":"Consider investment approach","confidence_score":0.03985637}]},{"text":"And and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well.","start_word":7425,"end_word":7457,"intents":[{"intent":"Consider investment allocation","confidence_score":0.0014471011}]},{"text":"So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature. Okay.","start_word":7459,"end_word":7497,"intents":[{"intent":"Evaluate portfolio risk","confidence_score":0.08155482}]},{"text":"Is that the document that you have?","start_word":7878,"end_word":7884,"intents":[{"intent":"Verify document information","confidence_score":0.0009724721}]},{"text":"The next document is just is your insurance certificate of currency with. It just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier. Okay.","start_word":8184,"end_word":8229,"intents":[{"intent":"Gather information","confidence_score":0.000086059124}]},{"text":"I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you. Would you like Yeah.","start_word":8261,"end_word":8291,"intents":[{"intent":"Email information","confidence_score":0.016794033}]},{"text":"The next document is your FSG. So well, our FSG, I should say. What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC. And it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed.","start_word":8404,"end_word":8471,"intents":[{"intent":"Explain services","confidence_score":0.015256521}]},{"text":"The last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you.","start_word":8495,"end_word":8525,"intents":[{"intent":"Resend document","confidence_score":0.00984773}]},{"text":"Previously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee.","start_word":9228,"end_word":9261,"intents":[{"intent":"Communicate monthly fee","confidence_score":0.00040897293}]},{"text":"That's correct.","start_word":9365,"end_word":9366,"intents":[{"intent":"Confirm understanding","confidence_score":0.024618857}]},{"text":"So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged. Okay.","start_word":9446,"end_word":9479,"intents":[{"intent":"Discuss fee structure","confidence_score":0.0014387915},{"intent":"Explain fee structure","confidence_score":0.07855127}]},{"text":"So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged. Okay. Okay.","start_word":9446,"end_word":9480,"intents":[{"intent":"Clarify fee structure","confidence_score":0.609053},{"intent":"Clarify fee structure","confidence_score":0.33658537}]},{"text":"And if there's ever any issues, you just give us a call. Yep.","start_word":9583,"end_word":9595,"intents":[{"intent":"Specify purpose of call","confidence_score":0.00020671122}]},{"text":"So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son. So he's 19 years of age. Mhmm.","start_word":9598,"end_word":9631,"intents":[{"intent":"Inform about estate planning","confidence_score":0.006054786}]},{"text":"So we do always recommend that our clients look at establishing a will and an enduring power of attorney.","start_word":9686,"end_word":9704,"intents":[{"intent":"Recommend power of attorney","confidence_score":0.01943375}]},{"text":"might be that you have two powers of attorney. The first one being let's call them Fred. And then if Fred's unable to act on your behalf, it might then be your son that's second. So Yep.","start_word":9831,"end_word":9867,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.07424317}]},{"text":"Would you like me to send you through a brochure just for you to review that? And if you're happy, we can arrange for them to contact you. Yeah. Yeah.","start_word":9890,"end_word":9919,"intents":[{"intent":"Request brochure","confidence_score":0.19455872}]},{"text":"I would prefer to have somebody else Yeah.","start_word":9943,"end_word":9950,"intents":[{"intent":"End call","confidence_score":0.0003141686}]},{"text":"However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will. So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts.","start_word":10069,"end_word":10139,"intents":[{"intent":"Check tax implications","confidence_score":0.00010386122}]},{"text":"We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of. Perfect.","start_word":10360,"end_word":10387,"intents":[{"intent":"Explain appointment details","confidence_score":1.2976925e-7}]},{"text":"If there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you. But I am gonna hold off a little bit until we understand next week what your income actually looks like. Yes.","start_word":10437,"end_word":10482,"intents":[{"intent":"Provide recommendations","confidence_score":0.017445723}]},{"text":"So there are more action items for me to make sure that I get back to you on. And if there is any advice that I need to provide to update a few things, I get on to Not a problem.","start_word":10581,"end_word":10621,"intents":[{"intent":"Provide advice","confidence_score":0.026327308},{"intent":"Provide advice","confidence_score":0.0013213931}]},{"text":"I'm gonna send, yeah, I'm gonna send you an email with those items, Okay.","start_word":10647,"end_word":10660,"intents":[{"intent":"Send email with items","confidence_score":0.023577979}]},{"text":"If you lose your piece of paper, I'm gonna send that through to you.","start_word":10664,"end_word":10677,"intents":[{"intent":"Inquire about loss of item","confidence_score":0.00087698706}]},{"text":"And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing. Okay then. Beautiful.","start_word":10679,"end_word":10729,"intents":[{"intent":"Book call","confidence_score":0.039176535}]}]},"sentiments":{"segments":[{"text":"Good morning. Hi, Carmen.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.2889264225959778},{"text":"How are you today? I'm good. Thank you. How are you? Good. Thank you.","start_word":4,"end_word":17,"sentiment":"positive","sentiment_score":0.4586969017982483},{"text":"This is Jenna here, phoning from financial. Nope.","start_word":18,"end_word":25,"sentiment":"neutral","sentiment_score":0.02964886464178562},{"text":"You're very faint.","start_word":26,"end_word":28,"sentiment":"negative","sentiment_score":-0.46184056997299194},{"text":"Oh, sorry about that. I'm just I got my headset on. Hopefully is that any better? Oh, you'll still talk again? Is that any better? Yeah. That's better. Thanks. Okay. That's alright. I try and push the microphone to my face a little better. Just before I go any further, I just wanted to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine.","start_word":29,"end_word":101,"sentiment":"neutral","sentiment_score":-0.011047652922570704},{"text":"Beautiful.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.4082599878311157},{"text":"And just to confirm that I'm speaking with the right person, can I please get you to provide your full name and your password, please? Okay. It's Carmen Ruth Corduroy and Scruffy.","start_word":103,"end_word":134,"sentiment":"neutral","sentiment_score":0.07496770471334457},{"text":"Beautiful. Thank you, Carmen. I appreciate that.","start_word":135,"end_word":141,"sentiment":"positive","sentiment_score":0.5010682344436646},{"text":"How's your day been so far? Yeah. Good. Good.","start_word":142,"end_word":150,"sentiment":"neutral","sentiment_score":0.2923106849193573},{"text":"Oh, that's good. That's fantastic.","start_word":151,"end_word":155,"sentiment":"positive","sentiment_score":0.4813246428966522},{"text":"So the purpose of my call our call this morning is to go through your annual review. Mhmm. Just confirming you have some time to do that. Yep. Yes. Fantastic. Alright. Before we move to the review itself, I just wanna Mhmm. run through our Saks Fund to make sure that all the details I have for you are correct and relevant still. Yep. So I just want to confirm your marital status. Are you single in a partnership? Single. Single. Beautiful. And your email address is calmsGabe@Gmail.com? Yep. Correct. And your home address is still Unit 8 Slash 1 O'Brien Street, Mount Druitt, New South Wales 2770. Yep. Yep. Correct. Fantastic. Alright. I have a personal address too, though. Yes. Is that 3 McVeigh Place, Rootie Hill, New South Wales 2766? Yep. Correct. Beautiful. We do have that. Thank you. Instead of previous address, I'm gonna update that as postal address. Fantastic. Now I have that you have one dependent. Is that Gabriel? Yep. Oh, Yep. he's not paying now. So No. He's working nineteen. Okay. And he's listed as your next of on kin. Is that correct? yeah. Correct.","start_word":156,"end_word":346,"sentiment":"neutral","sentiment_score":0.05966621450104639},{"text":"Fantastic.","start_word":347,"end_word":347,"sentiment":"positive","sentiment_score":0.5107886791229248},{"text":"And we've got his mobile number ending in 19198. Yes. Correct. Yep.","start_word":348,"end_word":359,"sentiment":"neutral","sentiment_score":0.1676441878080368},{"text":"Fantastic. Thanks for that comment.","start_word":360,"end_word":364,"sentiment":"positive","sentiment_score":0.6428306698799133},{"text":"I'm just gonna move on to some more personal details in relation to yourself. Your occupation, Yep. we have here listed as an Aboriginal specialist officer. Is that correct? Still there. Beautiful. And the amount in the office and the field hasn't changed? We had a Yes. thirty seventh. Yep.","start_word":365,"end_word":414,"sentiment":"neutral","sentiment_score":0.09046787768602373},{"text":"Fantastic.","start_word":415,"end_word":415,"sentiment":"positive","sentiment_score":0.3622322082519531},{"text":"Yeah. It's doing tracking services.","start_word":416,"end_word":420,"sentiment":"neutral","sentiment_score":0.18469662964344025},{"text":"Beautiful.","start_word":421,"end_word":421,"sentiment":"positive","sentiment_score":0.36825335025787354},{"text":"And still working thirty eight hours a week on a full full time basis? Yeah. Correct. Yep. Okay. We have your income here as 110,000 per annum. Is that right? I it may have gone up to about 113. Okay. Beautiful. And is that oh, gosh. My fingers are not working today. Does that include any penalties or overtime, or is that just the base? That's just the base. Just the base. So do you have any idea what it would be with any overtime if you did do any? I actually take Okay. no. I don't because I don't really do overtime. I got wonderful, Beautiful. but Yep. not actual overtime. Okay. Alright. Fantastic. And we have your expenditure here listed at 1,100 a week. Would that still be correct? Yeah. And do Wait. you Sorry. have What it was that? The rent? expenditure. Oh, around 1,100 a month, was it, or fortnight? A a week, we have it down as. Yeah. Not much. Nothing's changed. The rent's No. still everything's the same. Beautiful. And are you sorry. Are you accumulating any savings per Sorry. I've only just started. So I week? I have a an account that's not Yep. linked to any of my other accounts. But like Yep. I said, I only just started, so I got $400 in. So not nothing much at all. That's But I am and I've only started buying Bitcoin. okay. Is it Bitcoin? Yep. No. It's like different different parts of Bitcoin. So Yep. Yeah. I'll just jump into it now. Again, I've only just started, so I'm thinking that we need to do something because so, yeah, it's $464 and And how much are you putting into that on a regular 30 basis? 4<unk>. Well, I try to do a 100 a fortnight. Yep. Like I said, I've only just started. So That's okay. And is that the same as your savings? How much are you putting in that 100 on a as regular? well, and that's separate. Yep.","start_word":422,"end_word":762,"sentiment":"neutral","sentiment_score":-0.010730062100675798},{"text":"Beautiful. Alright. Fantastic. Thank you.","start_word":762,"end_word":767,"sentiment":"positive","sentiment_score":0.5636435747146606},{"text":"Are you making any additional contributions to super at all, like, sorry, sacrificing? No. No. No? None of that. Just the just the usual. Yeah. I do buy silver, It though. yeah. I do have a note of that here. What's that valued at now? Oh, I reckon around $3. Because I'm only Yep. buying, like, one coin, like, at $56 a fortnight. So and to Did be honest, you I say forgot 50 about that. 6? Yeah. That's what I'm buying. Okay. So whether it's a coin or a particular Okay. coin. But, yeah, I'm roughly looking around $3.","start_word":767,"end_word":867,"sentiment":"neutral","sentiment_score":0.010203314945101738},{"text":"Beautiful. Fantastic.","start_word":867,"end_word":869,"sentiment":"positive","sentiment_score":0.4861351549625397},{"text":"With your superannuation, you are you looking at making any additional contributions to super to work towards retirement plans and goals or Well, I haven't, but no? I probably need to look at that. Yeah. Okay. I'm gonna yeah. Sorry? I'm not sure, like, how much additional or Yep. Okay. I'm gonna make a note of that so we can circle back to that shortly.","start_word":869,"end_word":934,"sentiment":"neutral","sentiment_score":0.05560510605573654},{"text":"Always a good thing to have as a bit of a discussion piece.","start_word":934,"end_word":947,"sentiment":"positive","sentiment_score":0.3653853833675385},{"text":"Yep. Yep. We now moving on to debt, we had a per with personal loan of 12,900. Is that still correct? I still have the debt, but it's reduced considerably. Yes? What would it be now? I'll tell you in a minute. I'll just jump in and have a look. And it decides to the Internet's slow here today. It's always the way, isn't it? When you need it, it's it's difficult. Yeah. It's not usually this slow, but okay. $6,564.42 is what is remaining.","start_word":947,"end_word":1030,"sentiment":"neutral","sentiment_score":-0.02577126039458173},{"text":"Wonderful.","start_word":1031,"end_word":1031,"sentiment":"positive","sentiment_score":0.41207432746887207},{"text":"And how much you pay on that per fortnight or per week? $2.50 a fortnight. Fantastic. And we had a credit card listed with a $4,000 balance. Is It's that still gone. that gone? Zero? Do you Yep. have is the Gone. credit Zero. card in Card destroyed. Account yep. no longer.","start_word":1032,"end_word":1083,"sentiment":"neutral","sentiment_score":-0.032877903431653976},{"text":"Fantastic. Well, great strides you've taken. So that's brilliant.","start_word":1084,"end_word":1092,"sentiment":"positive","sentiment_score":0.5527647137641907},{"text":"And a car lease. Do you still have that? Sorry? A car lease? A car? Yeah. A lease on a car Oh, or I is moved. it Yes. Yes. Yes. Sorry. I was gonna do yeah. that. Sorry. No. That's okay. Do you know where when the term is supposed to end? How much debt is remaining on it? Do you have any of those details? No. I just pay a $100 of full $200 a fortnight. Yep. It's through my brother. So he because he works for a car company, and Yep. they leased it through, you know, for family. Okay. So Yep. and it just gets, I I at least twelve months. I Okay. get a new car and just continue to pay. So, yeah, it's that way. Okay. Okay. So every twelve months, new car. Yeah. Okay. Alright. Beautiful. Any other assets or No. I've told you everything. I feel very bare. debts? Well, I've I've you could still bear with me. I'm not gonna repeat anything. You're completely fine. Have you ever been declared bankrupt? No. No? Fantastic. And moving on to health and lifestyle, I note that you were a smoker approximately sixteen plus years ago. Is that still the case being a nonsmoker? Yep. Yep. I'll Beautiful. never go back to that. Good.","start_word":1093,"end_word":1311,"sentiment":"neutral","sentiment_score":-0.027302637696266174},{"text":"That's lovely.","start_word":1312,"end_word":1313,"sentiment":"positive","sentiment_score":0.38046056032180786},{"text":"And your health is still good? Yeah. Yeah. I'm back in training. Yep. So I had an I had a note here that you had high blood pressure. Is are you still taking a tablet for that? I am. I am doing Yes. that. Yeah. Yep. But That's it's, fine.","start_word":1314,"end_word":1363,"sentiment":"neutral","sentiment_score":0.06277640968561173},{"text":"yeah, it's managed very well, actually, at the moment. So That's fantastic. That's always good news.","start_word":1364,"end_word":1379,"sentiment":"positive","sentiment_score":0.5489811301231384},{"text":"Alright. And we had your weights down at a 101 kilos. Is that still correct? Yeah. Yep.","start_word":1380,"end_word":1396,"sentiment":"neutral","sentiment_score":0.12641099095344543},{"text":"Beautiful.","start_word":1397,"end_word":1397,"sentiment":"positive","sentiment_score":0.339708149433136},{"text":"And lastly, on my little list of invasive questions, do you have your estate planning? Do you have a will or power of attorney in place? No. No. Okay. I should probably get one and give Yes. everything Yes. Yes. Yes. to We my can son. I'll I'll touch on that shortly shortly with you as well. We'll we'll cover off those areas, particularly in relation to your super and your insurance and how how that will be passed if Yep. something was to happen to you. So we'll run through that from an estate planning perspective. And I'm just gonna circle back to your original goals and objectives that you had last time that you had a review. Yep. You wanted to pay down your personal debt and start being able to save to travel or Yep. possibly buy a home in the future. As that's I know that you're working really well towards paying down your debt. I can see that from how much progress you've made. Are you still looking at buying a home? Are you still looking at traveling? Yep. Yep. Yep. Yep. Beautiful. Do you when do you think you would buy your home? Not too sure. Mhmm. Whilst I'd like to do that, it's probably not something that's in the immediate future. Yep. Okay. If that makes sense, which It yeah. does. Yep. And and probably yeah. But it will happen. It will it will happen. Okay. And traveling, have you got any special travel plans? Yeah. Yeah. Greece next year.","start_word":1398,"end_word":1654,"sentiment":"neutral","sentiment_score":0.0472961999475956},{"text":"Oh, lovely. That sounds very exciting.","start_word":1655,"end_word":1660,"sentiment":"positive","sentiment_score":0.36475056409835815},{"text":"How long are you gonna go for? We haven't figured that out yet because it's a friend of ours who's moved over to Greece and looks like she's gonna get married. So we're waiting Oh, to hear on the date. What's that?","start_word":1661,"end_word":1702,"sentiment":"neutral","sentiment_score":0.0032189392562334738},{"text":"wow. And what a beautiful oh, it's absolutely beautiful. That's very exciting. Something Yeah. nice nice to look forward to, and that's beautiful.","start_word":1703,"end_word":1725,"sentiment":"positive","sentiment_score":0.7264135479927063},{"text":"Hopefully, it's in, like, the Greek islands or something. Yeah. Crete. Okay.","start_word":1726,"end_word":1737,"sentiment":"neutral","sentiment_score":0.13718345761299133},{"text":"Beautiful.","start_word":1738,"end_word":1738,"sentiment":"positive","sentiment_score":0.33935436606407166},{"text":"Yeah. Nice. Yeah. So, yeah, we'll so I'm working towards that. Mhmm. But, yeah, I've gotta go and get my tax done too. So I haven't done that yet. So then I'll go back go towards the house the house. Sorry. The holiday. Started with a h. Oh, beautiful. I'm on holidays at the moment, so I'm like, yay. Not Yep. a care in Yep. the world. Holiday mode. Fantastic. No. I'm just not on, which is nice. That's that's absolutely fine. Do you have someone that you that does your tax for you? Do you have someone that does your tax for you? Sorry? Yeah. We're gonna head out to Yep. an accountant, my son and I, so Yep. we'll get that Okay. done Beautiful. in the next couple of weeks.","start_word":1739,"end_word":1870,"sentiment":"neutral","sentiment_score":0.044326361268758774},{"text":"Fantastic.","start_word":1871,"end_word":1871,"sentiment":"positive","sentiment_score":0.4160303473472595},{"text":"The other there's a cut there's three more goals. One of them was you want to live comfortably and not have to worry about anything. Is that does that refer to now or in retirement? In retirement. Yep. Okay. Beautiful. What does comfortable look like for you in retirement? Yep. I think just not scrimping and scraping and just, yeah, being able to live comfortably, not have to watch every penny. You know? Yeah. Yeah. And That not not live paycheck to paycheck, is yeah. Yep. that phrase. Yep. What do you when it comes to retirement, what do you what kind of income do Ideally, I'd like to say what I get now, but, look, if that probably won't be what can I say that? Yeah.","start_word":1872,"end_word":1998,"sentiment":"neutral","sentiment_score":0.0677667758830889},{"text":"Of course you can.","start_word":1999,"end_word":2002,"sentiment":"positive","sentiment_score":0.36730995774269104},{"text":"And, like, you know, we can look at ways that we can work towards that if it's if it's something that we need to you know, it's a long term plan, obviously, given that you still go a little bit away from retirement. But in saying that as well, what age do is the ideal retirement age for yourself? Yep. Well, I think I'd like I can't retire until 67. So I've got about four That views. yes. So 67 is the age pension age, not the access to superannuation, etcetera. So what we if if there was a reliance on central on the age pension to fund part of your income needs, that's something we'd factor into, but you don't have to necessarily retire at the age pension age. You can for example, some people say 60 or 65 or they wanna potentially reduce their hours at the age of 60 and, you know, something that you you have to answer right now. This is something that, you know, we can keep working on over time. And that's Okay. where the sacrifice might come in where we go, okay. We need to look at putting some additional money into super over crypto or silver, for example, and really build that super in that tax effective environment for your future retirement. So they're they're the things that we can look at.","start_word":2003,"end_word":2233,"sentiment":"neutral","sentiment_score":0.07389876246452332},{"text":"Oh, it's good.","start_word":2234,"end_word":2236,"sentiment":"positive","sentiment_score":0.5211005210876465},{"text":"Oh, okay. Yeah. So in an ideal world, if I said to you, Carmen, when would you like to retire? What what would your answer today be? 60? Do you think you'd retire, like, permanently or reduce? 60? Reduce. Yeah. I can't see myself not doing anything, Yes. so I would need to do something. And whether I'm doing what I'm doing now or, you know, if I start a business or Yep. Yep. or whatever.","start_word":2237,"end_word":2312,"sentiment":"neutral","sentiment_score":-0.06661466509103775},{"text":"Beautiful.","start_word":2313,"end_word":2313,"sentiment":"positive","sentiment_score":0.4996044337749481},{"text":"You Okay. Do you think you'd I in an ideal know? world, again, very hard to answer that we're talking future state. Reducing, would you talking future state. Reducing, would you think you'd do two days a week, three days a week, four days a week, or what to you, what does reducing your hours look like at the age of 60? Well, I'd like I'd like to start off with four days a week Yep. and then just reduce it down over time. Over time. Yep.","start_word":2314,"end_word":2400,"sentiment":"neutral","sentiment_score":-0.059531035554734456},{"text":"Beautiful. Alright. That gives me something some good good figures and time frames to work with Yeah. to project out what we need to do, look at strategies in helping you achieve that.","start_word":2401,"end_word":2433,"sentiment":"positive","sentiment_score":0.46185025572776794},{"text":"The and and and also you'd like to from an insurance perspective, you had a goal that you'd like to cover your current debt and enough to pay for a funeral with a little left for your son. Yes. Your life insurance, we'll go over in a moment and make sure that they're adequate for those needs and see if there's any need to reduce or increase cover. And and then we're gonna go through your other goal of making sure that your funds are invested and working working hard for you to help build that retirement income. Are there Okay. any other goals there that we need to that you have in mind that you've thought of since your last review? No. Not really. I think I'd like to travel regularly Yes. in my retirement. Yes. Yep. I'd Yep. be a regular traveler. Yep. Overseas or Yep. Yep. yep. Overseas and also Yep. And being a regular your, domestic. Maybe once every two years. let your, let's call it, fortnightly or weekly income in retirement, or is there is that additional lump sums that you would need? If I can and if it could be funded, you know, from, say, the fortnightly income. Yeah. That can just put a little bit away and then, you know, like, save that. Yep. Mhmm. Okay. Yeah. So Yeah. So Alright.","start_word":2434,"end_word":2661,"sentiment":"neutral","sentiment_score":0.08357727527618408},{"text":"Fantastic. Alright. Fantastic. Alright. We can definitely look at that.","start_word":2662,"end_word":2671,"sentiment":"positive","sentiment_score":0.42774754762649536},{"text":"What would you budget for on these holidays every two years? What would you be budgeting at if it's is it gonna be a proper nice, you know, top notch holiday? What would be your budget that I could factor in? Oh, dear. It depends on where I went. Hey. And what the what the economy's like, you know, the currency. Yeah. Exactly. I think in these scenarios, it's it is hard to answer those questions, but I would always go on the overestimating as opposed to underestimating. Yeah. Yeah. I mean, we can definitely factor it in and see what we can do to make sure that that if that happens. And, you know, depending on the economy at the time of when you are traveling, that's where you might you would probably need to factor that in and say, oh, even though I would like to travel to, let's just say, Canada and do an Arctic cruise this to you this this holiday, it's probably not likely we could revisit that in the next holiday Yes. and see if it's more doable then. So there are things that you'd just probably cross the bridge as you came to it. But I think just having an idea or a budget for yourself on what you would think that you would you would budget for would Yep. help in respect to really seeing what we need to do to get you there. Okay. I'm just I was just thinking then I could probably start putting funds away for that now. Well, you could, but the what we would probably look at doing is comparing. And I will do this as I as I go away and, you know, look at our our conversation and see what we can do is you could, but the other option is is that there's the option to put it into superannuation as well via that additional contributions to super. So if you for traveling between now and the age of 60, you'd you'd wanna do your own personal savings because the access to super is not possible. And from 60 onwards, we would look at funding that through your retirement income work and a combination of both. Okay. Yep. Okay. Yep. So is there a figure in your head that you think you would allow for a a travel budget or you're just not sure at this stage? Look. The only one I can think of is around $50. Yeah. Okay. Alright. Leave that with me. I'm gonna have some play with some figures. Do you have access to your emails at the moment? I do.","start_word":2672,"end_word":3113,"sentiment":"neutral","sentiment_score":0.035039274953305714},{"text":"Alright. Beautiful.","start_word":3114,"end_word":3115,"sentiment":"positive","sentiment_score":0.5099179148674011},{"text":"I'm just going to I'm about to hit send on an email that you'll receive that has a bunch of documents attached, and it will come from the email address odu sign. These are your review documents that we're gonna run through based on your current situation in relation to your super funds and your insurance policies at the moment. So if you let me know when you have that, Okay. I'm gonna run through them with you. So you want me to sign that? Not at the moment. No. So there's two documents at the end we'll get you to sign, but it won't let you sign anything until we've run through everything anyway. So if you can just open the attachments, we're gonna run through them briefly. And, Okay. Is the attachment on it? a it should be a a link that you can click on to open them. No. It's just got signed document. If you click sign, it Okay. No. should open it. Sorry. That's my mistake there. No. That's fine. Okay. Yep. Yep. Yep.","start_word":3116,"end_word":3294,"sentiment":"neutral","sentiment_score":0.02687222883105278},{"text":"Fantastic.","start_word":3295,"end_word":3295,"sentiment":"positive","sentiment_score":0.455552875995636},{"text":"So is the first document you've got viewable a financial summary of your super and insurance? Yep. Yep.","start_word":3296,"end_word":3313,"sentiment":"neutral","sentiment_score":0.18659541010856628},{"text":"Fantastic.","start_word":3314,"end_word":3314,"sentiment":"positive","sentiment_score":0.39857974648475647},{"text":"So you do have your PSS funds defined benefit, which is remains as is, and that will remain in place until retirement, preservation age. So that will continue to sit as is Yep. with no Is that is that depreciating at all? Let me have a look. I'm gonna jump into your previous one. I won't be at the moment. No. As it's yeah. So your review last year in February 2025, the balance was sitting at $3.35. 335. So it is indexing, and it does have some underlying investments in there, not just the fixed interest component. So it's we we would anticipate to continue to see growth, but it just I'm sorry. might not I can't hear you. oh, sorry. I think it might be this headset, to be honest with you. The as at your last and your review, which was February 2025, can you hear me better now? Yeah. Yeah. Much better. Yep. Yep. The balance was 335,000 approximately, so rounded. Mhmm. So that was a balance based on 2023 because we didn't have up to date information. So I'm just gonna jump in now and see your '23. Okay. I have a PSS statement here. So at 06/30/2025, it was 382,783. So it's not depreciating at all. Okay. We just wouldn't expect to see the same sort of growth as a, say, a hub, for example, a retail platform. Because in the underlying investments in a fund like a defined benefit is a lot of income defensive assets with some exposure to growth assets. So definitely not depreciating. But, yeah, you wouldn't expect to see the growth that in a in a typical superannuation accumulation fund as you have now as well. Alright. No. Well, that's good. Because I I thought I thought there was more, to be honest. I thought there was at least 500. And then There might there might be that value. I'll check. What I can ask you to do as well is if you are able to log in and send through a rundown of any description to us, we can update our records. The value for that would have been taken from sorry. Won't be a moment. It looks like last year late last year. So if you do have a current statement at all or a a a a screenshot of a login or anything like that. If you can send that through to us, we can make sure our records are updated to to reflect that. Yeah. I have an oh, dear. I'm gonna have to jump back in. Well, that's okay. It's not urgent. I can send you an email post our our meeting with any details that you can just respond to if you like. Yeah. That would Yep.","start_word":3315,"end_word":3778,"sentiment":"neutral","sentiment_score":-0.013556772826945987},{"text":"be good because I've got really bad Internet connection today.","start_word":3779,"end_word":3788,"sentiment":"negative","sentiment_score":-0.4821390211582184},{"text":"I'm not sure why. But That's fine. I will make a note of these, and I can send through an email post our meeting.","start_word":3789,"end_word":3812,"sentiment":"neutral","sentiment_score":0.17260722815990448},{"text":"That's absolutely fine.","start_word":3813,"end_word":3815,"sentiment":"positive","sentiment_score":0.6251037120819092},{"text":"I've got we've got you have your Hub twenty four account, which you'll see and a balance of 225,278. Yep. We'll run through the performance of that. To date, are you happy with Hub as a platform and a Yeah. provider?","start_word":3816,"end_word":3856,"sentiment":"neutral","sentiment_score":0.15557026863098145},{"text":"Beautiful. Yep. Fantastic.","start_word":3857,"end_word":3859,"sentiment":"positive","sentiment_score":0.48755788803100586},{"text":"Yep. And we have your TEL insurance, which is funded through your Hub twenty four super balance. So what that means is premiums are taken out of your super balance, which does obviously have an impact on the growth and the returns within it. We've got your life insurance at a 110,250. Your one of your goals was to make sure that debt was repaid, and there was a little bit left over for your son, including Yep. enough for a funeral. Do you think do you believe that the 110 is still appropriate given your levels of debt now, or are you thinking that you would decrease it? The other question is is when you do purchase a house, do you think there'll be debt attached to that house? Yeah. So Yeah. I don't know. I don't I'm gonna be honest. I just don't you just don't know. Yeah. Yeah. And that's that's absolutely fair. They're not easy questions to ask. So if you I guess if I broke it down in a different way, when when it comes to know. purchasing a home that you believe will be in the future, would you do that through retirement funds? Would you do that through potential future inheritances, or will you be doing it through savings and getting a mortgage? I'd like to get it through savings and mortgage Yep. so I could leave my super. Yep. And, you know, like, I'm just looking at different ways I can do that. Yes. Yep. Alright. Beautiful. Given that you're not certain about the the a way that you would approach per purchasing a property, I probably wouldn't make any recommendations of decreasing any existing life or TPD cover at this stage just because Yep. if you were to purchase a home, the asset is obviously available to be sold by your son and repay the debt attached to it. But given that you're sort of at a cross roads and you're not really sure at the moment, I think that's probably a topic that we can consider reviewing again at a later date when you're in the when you're in a position to know if you're gonna be taking on additional debt, whether we need to increase life cover and TPD cover or whether we can decrease it and what that looks like at that point Yeah. in Because time. it whilst I'd like to, it may not actually happen. You know? Yes. Like, I'm 53, to be honest. Yep. Yep. You know? Like, the reality is I'm 53. I probably got as as even though I would like to retire at 60, Mhmm. perhaps the reality is it's not gonna happen till 67. Do you know what I mean? Like, Yes. in line with the age pension. So it's like these those variables too Yes. that, you know, who's gonna lend money to a 50 year old woman, you know, with only a few years left. Yeah. Those Yeah. those questions those, yeah, are definitely things that that a mortgage a bank and a mortgage lender would take into consideration. Probably why I also ask those questions as well as to what what your plans were to purchase a home in relation to how we can help you achieve that if that is something that is a very strong goal of Yeah.","start_word":3860,"end_word":4421,"sentiment":"neutral","sentiment_score":-0.04757240522003259},{"text":"Look, I'd love to. yours. I'd love to have Yep. that.","start_word":4422,"end_word":4432,"sentiment":"positive","sentiment_score":0.4035244882106781},{"text":"Yep. That may not happen in this today's financial environment. You know? Yes. And it's just I under me. Like, I'm not married. I don't have a partner. It's just my income. Yeah. Okay. Alright.","start_word":4433,"end_word":4467,"sentiment":"neutral","sentiment_score":-0.10837201029062273},{"text":"Well, I'm gonna still leave it there as a goal of yours because it is still a goal, and we can keep revisiting that.","start_word":4468,"end_word":4491,"sentiment":"positive","sentiment_score":0.3921063542366028},{"text":"I also have your income protection here at $5,304 per month. That will cover you if you are unable to work due to injury or illness. I'm just double checking now to make sure.","start_word":4492,"end_word":4525,"sentiment":"neutral","sentiment_score":0.03468699358841952},{"text":"You're probably a little bit underinsured in if I look at it compared to your income that you're earning.","start_word":4526,"end_word":4544,"sentiment":"negative","sentiment_score":-0.3740886151790619},{"text":"Mhmm. You're you're shy about a thousand dollars a month, we can look at increasing that benefit amount. So it's 5,300. If your income is around the 113,000 mark, we can look at ensuring that for oh gosh. I did the wrong thing there. It's it's about the 6,500 a month mark. So Okay. I'm not sure if you so what that means is going when you took the cover out, you might remember that you had to go through underwriting and complete a a lot of medical information and financial information. Yep. So any any increases we do make, that would require the same process, but it would not impact your existing cover. So it would only impact any underwriting would only be on the additional cover that you're applying for. Okay. Because I'm on holidays at the moment, I can't log in to my computer. Yep. But I'm back next week. Yeah. I've got training on Wednesday Wednesday, Thursday. So Friday next week, I can probably jump in and actually give you, like, the the correct income. Okay.","start_word":4545,"end_word":4724,"sentiment":"neutral","sentiment_score":-0.06646406650543213},{"text":"Fantastic.","start_word":4725,"end_word":4725,"sentiment":"positive","sentiment_score":0.4224785566329956},{"text":"And then we can probably log in What to that like, work from that. exact. Because That's I think I've got a bit of a raise and increment. Okay. Yep. Alright. We can do that. I'll add that to our email for you to send through, so that's absolutely fine.","start_word":4726,"end_word":4775,"sentiment":"neutral","sentiment_score":0.13073955476284027},{"text":"Yes. Fantastic.","start_word":4776,"end_word":4777,"sentiment":"positive","sentiment_score":0.4217734932899475},{"text":"Alright. So we we can put reviewing the IP cover depending on the amount of cover I mean, in your wage. And then, additionally, the only other type of insurance that's available on a risk portfolio would be trauma insurance. Now I'm not sure if it's been discussed with you in the past, but, basically, what trauma insurance covers is a lump sum tax free amount that will cover defined claimable events. So they can vary from heart attack, cancer, stroke, and they all have a varying degree of diagnosis as to when it is claimed or the claim is payable. The the premium for that is out of your own personal cash flow, and it's the outside of IP, probably IP. IP, probably IP, sorry. Income protection, it's probably one of the most claimable policies. So you I just note that you don't have any of that. I'm just wondering if you are interested in looking at trauma How much would that be? insurance. That depends. So that is dependent on the the some insured and the company. So what we do is I'll I'll go away and look at your do some research at in the market. And the the sum insured would be based on your what it is that you're wanting those funds for. So, typically, a trauma policy is something that people will claim on when their illness is typically or the injury is not terminal, so there's a recovery period that you need to be able to get back up on your feet. Some may use it pay off a little bit of debt to take that that Mhmm. Pressure off. pressure off.","start_word":4778,"end_word":5056,"sentiment":"neutral","sentiment_score":-0.011147957028133468},{"text":"Thank you. Thank you.","start_word":5057,"end_word":5060,"sentiment":"positive","sentiment_score":0.3648061156272888},{"text":"That's the That's word okay. I was looking I know what you're for. talking about. And, you know, because in some cases as well, it might be that you're back at work before your income protection policy kicks in. So it really is dependent on what you would want covered, if there's out of pocket medical expenses, those types of things. So I can definitely run some calculations. It would just depend on did you want an act cover for out of pocket medical expenses, debt repaid, those items. Okay. I'd like to say no, but I think I need to say yes. We can look at it and recommend it whether and, you know, we can work with you on the affordability of it. But Yeah. my re what typically we would look at is definitely out of pocket medical expenses. And because sometimes there are, even in the public health system, unfortunately, with even with things like cancer. I've seen myself with with friends. There is the cost of treatment. If it's not covered or you don't meet a certain what is it? Grade of cancer, then you do need to pay for treatment. So we definitely look at things like that. Mhmm. And then it would be a question of would you want the the debt that you have outstanding covered so you didn't have to worry about that and some income. Yeah. Yeah. I was just thinking about that too. But Yeah. I don't have that, but, yeah, I know people who have and Yeah. Yeah. Let yeah. me play with some figures, and I'll do what we would typically recommend. We can then have a conversation from that and work our way backwards. And it might be that we just catch up again before we do once I've done all this research to run through some of the details that I've found, and we can go Okay.","start_word":5061,"end_word":5382,"sentiment":"neutral","sentiment_score":-0.03365197053514652},{"text":"Cool. from Thank you.","start_word":5383,"end_word":5386,"sentiment":"positive","sentiment_score":0.4039613902568817},{"text":"Because it's like, oh, gosh. What do I there. I don't know. I know. I know. And that's There's a it.","start_word":5387,"end_word":5407,"sentiment":"neutral","sentiment_score":-0.14175152778625488},{"text":"It's sorry? a reality.","start_word":5408,"end_word":5411,"sentiment":"negative","sentiment_score":-0.4279269278049469},{"text":"It is a reality to look at even though Mhmm.","start_word":5412,"end_word":5421,"sentiment":"neutral","sentiment_score":-0.3010006546974182},{"text":"you don't want to.","start_word":5422,"end_word":5425,"sentiment":"negative","sentiment_score":-0.35679927468299866},{"text":"Yeah. That's right. That's right. Yeah. It's something that we've probably or experienced to some degree, whether it be a family member, a friend, or even Yep. ourselves. Somebody there. And you Yeah. see So the Get Started and Fixed Financial as on that? yeah. Yes. Yeah. Definitely. So I'll definitely add that to my list of little of items to conduct a little bit of research on. The next document in your review pack is should be a performance report from Hub twenty four. Is that the next Okay. one that Yep. you have? Yep. Okay. So from that, the second page will show you a return a net return. So this is gross after fees, sorry, of 6.52%. Now your risk profile is a gross risk profile, Yes. and that's sitting directly in the sorry, just shy of what we'd expect from a growth risk profile. The return on a growth risk profile would sit between the seven to 9% mark, which is reflective. If you have a look at that report, you'll see that first fund at the top, Ben along Australian Equities Fund.","start_word":5426,"end_word":5612,"sentiment":"neutral","sentiment_score":0.030503368005156517},{"text":"It's had a significant loss in the last twelve months.","start_word":5613,"end_word":5622,"sentiment":"negative","sentiment_score":-0.4348577558994293},{"text":"If you can see in brackets, it's a loss of 21.28%. That's Now a lot. it is. It is. Now that's not reflective of the actual Australian share market as a whole. It's reflective of Bennelong's investment structure and approach philosophy, whichever terminology you'd like to refer to it as, what their philosophy is or their mandate is that they they invest in companies where they feel and believe that there is under they're being undervalued, and there's a significant area of growth opportunity for them. Unfortunately, the way the market has performed in the last twelve months or so, it has been the higher sectors, I guess you'd call it, the banks that have outperformed and created growth and income for our investors. So with Benelon, they don't have significant exposure to the the banks, for example, which has compromised that return. So one of the items that we are looking at for all of our clients who are in the Bennelong equity fund is looking at options that may be available to our clients to that are suitable to replace that still help you meet your goals and objectives, but look at replacing that funds because our investment committee doesn't believe holding it long term is going to be beneficial. So with your permission, what I would like is to be able to while I'm doing the insurance and, the insurance research and other items, and so sacrificing is looking at options available to you to replace Benelon if you're comfortable Yeah. They're not performing. We have to with that. Yep. Correct. so let me move on Yep. to the next one. Yeah. Yeah. Yep. But overall, even though that was a large dip, the fact that you've still had a positive return from the great performance of your other assets within there is Mhmm.","start_word":5623,"end_word":5929,"sentiment":"neutral","sentiment_score":-0.06770496815443039},{"text":"is really favorable.","start_word":5930,"end_word":5932,"sentiment":"positive","sentiment_score":0.47894513607025146},{"text":"The only other one that I would like to conduct a little bit more research on for you is the the next one down is the beta bank hybrid ETF. Now the banks in Australia have gone through a little bit of change recently, and they're gonna be phasing out the hybrid the bank Oh. hybrid. Yeah. So all that is in it's not all. The it forms part of your defensive portfolio. So being a growth investor, you've got typically 80% allocated to growth investments being your your shares, property, and then you've got your defensive portfolio, which is allocated to cash and fixed interest. Now the hybrids fall into that defensive section being fixed interest, and you do have a couple of other fixed interest options within your funds that would probably look at either topping up or diversifying into another fund. So it's not that it's performing badly or anything is the reason why we wanna look at it. What we why we I personally would like to look at it is it is being phased out of the market. So by January 2027, I believe, is when they will cease the hybrids. I think I'd rather prefer to be proactive in that space and look at if there are are better options available for you. So if you're happy with that, Yep. I'd like to do a little bit Yeah. of research on that Yeah. Let's not wait. Let's also. yeah. Like you said, Yeah. let's be proactive and Yeah. Definitely. Do you with your portfolio with Hub, do you have any questions? No. I think apart No. from that, then along, Yeah. Yep.","start_word":5933,"end_word":6210,"sentiment":"neutral","sentiment_score":0.03206402636903653},{"text":"which was, you know, disappointing.","start_word":6211,"end_word":6215,"sentiment":"negative","sentiment_score":-0.4214854836463928},{"text":"Yes. Yes. Definitely. But, you know, that's stock market, isn't it really? Yeah. Of course. And and with a gross risk profile, you're looking at about every one in five years of having a negative return.","start_word":6216,"end_word":6251,"sentiment":"neutral","sentiment_score":-0.16908785700798035},{"text":"So even though you haven't had a negative return overall, you have had a negative impact to your portfolio.","start_word":6252,"end_word":6270,"sentiment":"negative","sentiment_score":-0.3450177013874054},{"text":"Yep. But, also, you've got 80% allocation to your growth assets. So you are you are definitely gonna experience market ups and downs. But with a growth risk profile, you've got a six year minimum time frame that we we suggest and recommend of being invested in. So you do have time, and staying in a gross risk profile, if you're comfortable with that, having the 20% split with your time frame, I would rely on you to tell me whether you are still comfortable with that based on your retirement age. Yeah. Because I don't wanna put it all into growth.","start_word":6271,"end_word":6372,"sentiment":"neutral","sentiment_score":-0.06332360953092575},{"text":"No. No.","start_word":6373,"end_word":6374,"sentiment":"negative","sentiment_score":-0.369693398475647},{"text":"No. What we would typically do is look at making sure you're comfortable running with this risk profile for another twelve months, Yep. looking at what retirement your your ideal retirement age being 60 with a reduction in work hours and how that looks, or if if retirement does look like 65 or 67 to you. And we would continue to look at your risk profile and how it's invested as we understand better your retirement forecast. So if you're happy with maintaining your gross risk profile for the time being, understanding that the markets are a little bit more volatile in that area Yeah. with the shares, which I think from what we've spoken about, I do think you do you have a good understanding of that. But I just the the next one down would be a would be reducing your growth assets to a balanced growth, which would see you allocating around 70% to your growth assets and 30% Hello? defensive. So you would look at a reduction in your expected annual return and instead look at a negative return one in every six years as opposed to one in every five years. So that's something that we would definitely look at doing as you approach retirement Yep. and on on your also your comfort with risk. So I think probably there's two Okay. Let's do that. aggressive investment you have ever made? So you can look at this from your superannuation fund or even you're you're doing crypto at the moment. So I'd probably say you're quite a aggressive investor that understands risk. Would you say that? Yeah. Because Yep. I So I check if it and I go, okay. Lost a little bit. But that's good. So we've got direct shares and managed funds. So with the crypto, I'd probably classify that more in the direct shares arena in relation to risk. So that's the answer to that question. The with inflation and expenses, things getting more expensive over time, how much risk are you willing to take to keep up with your the rising prices of the market? So there's a couple of questions here. Number or answers, I should say. Number one, you're willing to accept very high risk to outpace inflation. Number two, you're willing to accept high risk to outpace. So basically very high, high, or you're willing to accept moderate risks, or you're willing to take a small amount of risk or no risk at all. Like gambling, isn't it? It is. Do I choose the black or the red? Do I just go down? Look. It it just gives us an idea of your risk tolerance. So there's no right or wrong answer. It just helps us understand better where we where risk can become concerning My age comes into play too, doesn't it? little bit. Yeah. I mean, you've still got time at even at if, you know, the goal was to reduce it reduce you got to 60 and you're reducing to four days a week. That's still seven years in the market. So seven years of ups and downs and fluctuation that you can that you can your portfolio can manage. And then even it's even longer if it's if it your retirement does push out. Because even at 60 reducing to four days a week, you're not gonna be accessing a huge amount of funds within your portfolio. So it's, yeah, it's up to it's really your comfort level. So I get a sense I should be sitting between moderate and high. It's completely your gut feeling. So what were the options then? Basically, a very high risk, a high risk, a moderate risk, a small amount of risk, or none at all. I'm gonna sit in the safety zone of moderate. Moderate.","start_word":6375,"end_word":7012,"sentiment":"neutral","sentiment_score":0.02920682228325069},{"text":"Perfect. That's absolutely fine.","start_word":7013,"end_word":7016,"sentiment":"positive","sentiment_score":0.592383086681366},{"text":"Now the next question is, if how would you feel if in six months after investing, you found out that your portfolio had dropped by 20% just due to the general trends and ebbs and flows of the market, would you want to, number one, invest more for heavy growth? Number two, invest modest modestly for heavy growth, hold and wait, shift to defensive asset, minimizing your losses, or convert to cash. I think I'd shift. Yep. Okay. Although I like the growth idea, but I think at my age, Yeah. there's not that Yeah. much time. Yep.","start_word":7017,"end_word":7114,"sentiment":"neutral","sentiment_score":-0.05581160634756088},{"text":"That's absolutely fine. And what kind of return would you expect to get from your superannuation long term?","start_word":7115,"end_word":7132,"sentiment":"positive","sentiment_score":0.3386043806870778},{"text":"So 8% or above, six to 8%, four to six, two to four, or zero to two. 8%. Yep. Is that asking too much?","start_word":7133,"end_word":7156,"sentiment":"neutral","sentiment_score":0.1193322166800499},{"text":"No. And no.","start_word":7157,"end_word":7159,"sentiment":"negative","sentiment_score":-0.4034369885921478},{"text":"This just gives us an idea of your tolerance to risk. So, Do I you mean, know I think I'm sorry. Can we go back yeah. to the moderate to high and very high? Of course, we can. I'm actually I'm actually thinking I said moderate. That's for the safe one, but I actually thinking high. Yeah. Okay. Like, That's just my a intuition because I know that if you don't bet big, you don't get big back. But I don't Yes. wanna bet big and lose big Yeah. either, but there's no guarantee. That's correct. Yeah. And what you're saying makes sense. So that's that's what we're trying to assess is your your tolerance to risk and where we think you need to have your funds invested to make sure that, you know, you're not taking a larger amount of risk than you're comfortable with. Yeah. So this this is what this little questionnaire is designed to help us use as a tool along with the conversations I'm having with you to get an understanding of if we need to change your investment approach. Because I'm thinking and and the thing that's at the forefront here is my age and, Yep. you know, like, I'm not even 45. You know? Yep. Mhmm. So to and it whilst I need growth as in to be Mhmm. there later in life, I think where I'm sitting now is that there needs to be a level of risk to hopefully ensure that there will be that pot of gold at the end. Mhmm. Mhmm. Yes. Yep. Yeah. And and, also, when we look at it, we we will take into account your asset allocation of your PSS fund as well because you've got that sitting to the side as well. So it could be that you can take a little bit more risk in your hub account with the depending on what's in PSS and how that's invested because that might be a lot more defensive in nature. Okay. So that so Yeah. that's the thing So, we like, a will safety look net kind of at. thing as long Yes. as it doesn't exceed the Yeah. PSS. Yeah. Exactly. Alright. Put So me up to high the then. okay.","start_word":7160,"end_word":7537,"sentiment":"neutral","sentiment_score":0.03429451965229221},{"text":"So we'll look at those things. And have your investments optimistic about future investments.","start_word":7538,"end_word":7551,"sentiment":"positive","sentiment_score":0.4052879512310028},{"text":"Two, cautious and no further investments planned. Three, concerned. Four, highly anxious and seeking advice. Five, seeking to maintain a loss free advice. Five, seeking to maintain a loss free record. I think cautious. Yep. I mean, you know, I was sitting at MLC for ten years and actually lost money, Yep. and Yep. nobody contacted me about it. So, Yeah. Yep. you know, I was very and it was substantial loss too, which I think put me behind the eight ball. Yep. Okay. You know? So I am cautious, but I'm also oh, I I'd like to think that I'm living in the reality of life Mhmm. or my life Yep. and understand Yep. that if I'm cautious, I can't stop. Sometimes Yeah. you have to risk it for the biscuit. I love that saying. I say that all the time. I understand what you're saying.","start_word":7552,"end_word":7698,"sentiment":"neutral","sentiment_score":-0.1063832864165306},{"text":"Beautiful.","start_word":7699,"end_word":7699,"sentiment":"positive","sentiment_score":0.365431934595108},{"text":"And the last question here is, have you ever thought about taking out a loan to invest? No. Alright. Beautiful. So you're still coming out as a growth investor. I think that so that's what you're you're invested in now. What I will do is part of my research is when I get your rundown from PSS is, like, take that into consideration as well, what the asset allocation is there when we're doing a little bit of research. And just make sure that it it's got an appropriate you've got an appropriate exposure to your gross assets whilst also taking a core not a cautious, but a realistic approach to defensive assets as well given your your thoughts on your age and proximity to to retirement. Yeah. Is that is that okay? Yeah.","start_word":7700,"end_word":7833,"sentiment":"neutral","sentiment_score":0.14310611339647378},{"text":"That's fine.","start_word":7834,"end_word":7835,"sentiment":"positive","sentiment_score":0.3564490079879761},{"text":"Yeah. Yep. The next document on the that pack that was sent through to you is the 2025 Vanguard index chart. That probably talks a little bit and gives you a little bit of a visual of what we've just gone through. Is that the document that you have? Yep. Yep. Yep. So those top four, the so The US shares, Australian shares, international shares, and Australian list of property on the right hand side of the page, Yep. they're the growth they're the growth assets that we're we're talking about. So they're the ones that you would when looking at the graph, you'll see a fair bit more volatility in. Yeah. There there are growth and income producing assets, whereas the ones below, strained bonds, cash, and CPI, there are defensive assets. Although depending on how the market reacts, they do provide a little bit of growth over time, but they're typically income producing assets where it creates that defensive part of the portfolio for you. Do you have any questions about that or how So the I'm sorry. You're you're it's getting a bit hard to hear you again. Sorry about that. Sorry. No. That's okay. I'm gonna check this headset when our when our time is up. Oh, bless you. Oxy, I can hear you now. Like Yeah. yeah. Very weird. Very weird. It's yes. So just the top one, like The US Yes. shares, Australian shares, Yep. and that. Yep. What are they termed as? Growth assets. So those top four, so you see Australian shares, international shares, and Australian listed property, they're all they all fall into the growth section of your portfolio. Okay. And the bottom three being your bonds, cash, CPI well, not really CPI, but your bonds and your cash, that's the defensive part of your portfolio. So at the moment, you've got an allocation to 80% to the top four and Yes. 20% for Okay. the bottom two. Any quick any questions about that? Okay. No. No. No. I think that looks alright at the moment.","start_word":7836,"end_word":8180,"sentiment":"neutral","sentiment_score":0.012712961994111538},{"text":"Beautiful. Beautiful.","start_word":8181,"end_word":8182,"sentiment":"positive","sentiment_score":0.4427747130393982},{"text":"The next document is just is your insurance certificate of currency with. It just lets you know what your sums insured are, your income protection amount, and the premium payable, which is paid from your hub 24 that we went over a little bit earlier. Okay. The next yeah. Any questions on that one? No. No. No? No. Okay. And you're happy with So so for the TPD and the yeah. life insurance, I'm probably paying about $7,800. I can get a a full down per policy or it's one policy, but per risk policy within it, and I can email that through to you. Would you like Yeah. me Oh, no. I'm just looking at this. Yeah. Like, what? $4.50 to do that? 300. What's that? $4.07 it says so around $7.50. Annually, I'm paying for that. Yeah. There are there is some stamp duty on some of it. Oh, you've you've got the stamp duty there. Beautiful. Yep. So because that's just on your IP. Yeah. So, yeah, you're right. That's correct. Okay. And then the IP is what? An additional Yes. So your I income protection will cost? make Yep. up the difference. So it is and your premium, 7. So you're looking at about $1,800 a year for your income protection, Yep. Okay. including stamp duty. Yep. The next document is your FSG. So well, our FSG, I should say. What that does is it explains who we are, who we're licensed through, that we are authorized representatives and with registered and licensed through ASIC. And it would also tell you what types of services we provide, how we provide advice, breakdown of fees, and if you are unhappy with us, a the complaint's processed. So that is an an information document, really, for yourself. Did you have any questions about that? No. No. That's No? fine. Beautiful. The last two documents, my colleague Whitlam, has just let me know that he's going to he's included the wrong template, so he's gonna resend this ongoing service one to you. But what this is is it's your annual fees. So this is what is paid through from your hub twenty four for your superannuation advice and the services that we provide to you. So you're not limited on the number of reviews that you have per annum. You can phone us at any time. If you have questions, you need advice on anything. So the fee here is noted. Let me see where it's gone wrong so I can actually give you the correct amount. So when Whitlam sends it through sorry. It won't be a sec. No. You're right. When I clicked on next document, it came up with the text file number. Yeah. That's okay. That that's so that document there, I will get with that allows us to keep your tax file number on record. It's the only document that we do. And the reason why is because we provide it to the hub twenty four. So being that we're approved to hold that on file for you, if we don't, hub twenty four, your super fund will be taxed at a higher tax rate, so Yeah. it's Yeah. beneficial We don't too. want that. No. So that's why we get you to sign that, and that just lets us know that you have approved that on our our end. So the fee based on so that's so then I'll get you to jump over to the next one, which is the ongoing fee arrangement. Well, hang on a minute. I do I sign that tax file number now? You can do it at the end if you like. Because it's like I believe because it's that oh, okay. Yep. Maybe sign that. Yeah. Definitely. That's not my signature. It's got signed with Oodoo sign, but I'm like, Yes. no. I'm I think Yes. I better draw it. I'll do that. Yeah. UdoSign is a software that we use, so that's legitimate. But that's not my signature. So Oh, yeah. I don't find my name like okay. that. No. That's okay. I think you can even just type your name in, but you can do a post doc call. There's no urgency. Whitlam has also sent through the new updated consent fee. So that's gonna be in a separate email, but I'll just talk to you as in it's this one. What I might do is get you to jump out of those emails, if that's okay, and then go to the new one that's showing on from OdooSign. It should be at the top of I've got Whitland your Smith. inbox. Signature Yes. request. Yeah. Yep. So if you open that one, it'll be the last document of that I'm gonna have to go right through the whole pack. thing again. Yep. That's cool. Sorry. No. No. No. That's fine. That's I just wanna make sure I'm doing the right thing. And I'm now I just not. I wanna make sure that I'm giving you the right information, So I don't wanna give you the wrong information.","start_word":8183,"end_word":9036,"sentiment":"neutral","sentiment_score":0.03982691464409127},{"text":"Like, yes, the Internet is slow today.","start_word":9037,"end_word":9043,"sentiment":"negative","sentiment_score":-0.37651872634887695},{"text":"That's okay. It's always the way. Okay. So go down to the and sorry. What was your name, Veronica? Jenna. No. Jenna. I'm Jenna. Yeah. Yeah. Is your I'm photo taking not in here? should be oh, not in the FSG at the moment. I'm I'm actually starting to take over from Veronica while she's on maternity Okay. leave. So, yeah, not at it should be. I'd have to double check with it one moment. Okay. So certificate of currency. So we've gone through that one. Yeah. It should be the last document. Okay. Consent to new ongoing fee arrangement. Yes.","start_word":9044,"end_word":9144,"sentiment":"neutral","sentiment_score":-0.022735031321644783},{"text":"Beautiful.","start_word":9145,"end_word":9145,"sentiment":"positive","sentiment_score":0.3776068091392517},{"text":"That's it. So these are the documents we'll get you to sign rather than the ones they're all the all the other documents are the same previously. It's just this one that's a little bit different. And it it's just a it's you signing off that you wish to continue being a client of Oakview, and it is a flat fee. So you'll see the estimated fee amount below the below the little table. What that is is a flat fee. Previously, it has been a percent fee, which means that it the the month so that fee is then divided by 12 and taken out on a monthly basis basis being a flat fee. Previously, it'd be a percent fee. So depending on how the market was performing, you know, if the market was performing well, your monthly fee would be a little bit higher. We've changed our fee process to be a flat fee, so that gives clients a fixed term and understanding every single month of what that fee will be that's deducted from their hub twenty four account or their personal account depending on what way they wish to proceed. So So your sorry? it's got estimated fee of $3,725.14 per annum. Yep. Yep. Is that what So you that's what we're yeah. looking at? That's correct. So if what that would mean is in your hub account, you would see a fee of $310.43 approximately because it's got the $33.03 per month, and that's a flat fee now instead of a previously being a percent based Yes. fee. So Okay. so that yeah. That what what it means is that when your portfolio is performing well, that our monthly fee isn't gonna be higher. It's just a set fee, and that's what it is. Yes. So typically in the past, they've always been percent pay based fees, but we've changed our fee structure so that clients have more confidence and clarity in the fees that they're being charged. Okay. Okay. Yep. That's fine. Yep.","start_word":9146,"end_word":9484,"sentiment":"neutral","sentiment_score":0.06936648692441198},{"text":"Beautiful.","start_word":9485,"end_word":9485,"sentiment":"positive","sentiment_score":0.5246068835258484},{"text":"And and if it's if it's performing low, it'll still It be the same. stays But the same. So, yep. yeah, regardless on the ups and downs, our fees for the service, not the performance of your funds. So if you need to speak to me every month for the next twelve months, that's what you're paying for. That's 330 children this pay month regardless of I think I think it works out 310 roughly. Okay.","start_word":9486,"end_word":9561,"sentiment":"neutral","sentiment_score":0.11070552468299866},{"text":"So that will be and that's all very transparent in your hub account, so you'll be able to see that.","start_word":9562,"end_word":9581,"sentiment":"positive","sentiment_score":0.3915819227695465},{"text":"And if there's ever any issues, you just give us a call. Yep.","start_word":9582,"end_word":9594,"sentiment":"neutral","sentiment_score":0.09065185487270357},{"text":"No worries. Beautiful.","start_word":9595,"end_word":9597,"sentiment":"positive","sentiment_score":0.5520417094230652},{"text":"So what I'm gonna do from here oh, there's one other area, sorry, I wanted to touch base with you on is estate planning for your son. So he's 19 years of age. Mhmm. You have your your defined benefit, your life insurance. So you have a fair bit of asset there that should anything happen to you, needs to pass seamlessly to your son. If you die without a will, things can be held up for quite a long time and make it very messy for him. So we do always recommend that our clients look at establishing a will and an enduring power of attorney. What an enduring power of attorney is is it just allows someone to make decisions for you financially and from a health perspective at a certain time, and that could be if you were unable to make decisions for yourself. It's all within a document, which a a lawyer would typically draw up for you and make sure that all bases are covered and that you can't be taken advantage of, not by your son, but by somebody else potentially. So could they That's be two different people? Or, like, the beneficiary would be my son, but maybe somebody else would be the power of attorney? Mhmm. Of course. And that's Or something that you you would discuss with the with the solicitor. And it Okay. might be that you have two powers of attorney. The first one being let's call them Fred. And then if Fred's unable to act on your behalf, it might then be your son that's second. So Yep. you would have backup, But I think in that respect, we we we do have a professional partner that we work with. Would you like me to send you through a brochure just for you to review that? And if you're happy, we can arrange for them to contact you. Yeah. Yeah. If you can send me a brochure because my my son's only 19. Yes. So I, you know, That is I a lot. I would prefer to have somebody else Yeah. a lot Yep. more older, I'm sure, Yeah. as the power of attorney and someone I trust Yes. Yep. who would have gave best interest at heart. Yes. So he doesn't Of get course. all this money and blow it all in six months and, you know, there's Yeah. no Yep. Yep. I will send that through to you because the other item that flagged it for me was if you don't have any beneficiary nominations on your life policy with Cal or through your super fund. So at the moment, that what that means is, basically, the trustees will decide where that goes, and more than likely, that will be to gain, being your your kin. Yes. However, you know, him being a non financial dependent under super law, there is a little bit more tax that an extra 2% tax of the lump sum that, you know, can be applied because, Gabe, is because you don't have a will. So if it's paid to your your estate, you're looking at being able to save approximately well, Gabe will save approximately 2% in tax on all those amounts. So it's probably something that we do need to look at, and we can have a look Okay. at those. I'll send you through the brochure, but we'll also look at that in my research also. Okay. So with that those guys, yeah, the bracelet you're gonna send, can I do a wheel through them or will I have to Absolutely. go and get it done through it? That's No. something to Absolutely. everything through them. Absolutely. The power of attorney. Yeah. Perfect. Oh, Yep.","start_word":9598,"end_word":10224,"sentiment":"neutral","sentiment_score":0.01267855491435699},{"text":"awesome.","start_word":10225,"end_word":10225,"sentiment":"positive","sentiment_score":0.3613157272338867},{"text":"Yep. So we'll send that through to you. And my understanding is I haven't seen it as yet, but it gives you an idea of costs and everything. So Yeah.","start_word":10226,"end_word":10255,"sentiment":"neutral","sentiment_score":0.09003835171461105},{"text":"I believe they're actually quite affordable, to be honest with you.","start_word":10256,"end_word":10266,"sentiment":"positive","sentiment_score":0.3772892951965332},{"text":"I I'm should good. probably get my eyes on that. I've I've only just started in the last few weeks. I'm still looking at things. But in saying that also, I've been an adviser for a really long time. So, Yep.","start_word":10267,"end_word":10307,"sentiment":"neutral","sentiment_score":0.16668446362018585},{"text":"hopefully, that provides you with some comfort as well.","start_word":10308,"end_word":10316,"sentiment":"positive","sentiment_score":0.408304363489151},{"text":"Yeah. So Well, the fact that you know me that you you mentioned that was like, okay.","start_word":10317,"end_word":10333,"sentiment":"neutral","sentiment_score":0.32066091895103455},{"text":"That's good.","start_word":10334,"end_word":10335,"sentiment":"positive","sentiment_score":0.4654729962348938},{"text":"Yeah.","start_word":10336,"end_word":10336,"sentiment":"neutral","sentiment_score":0.20470407605171204},{"text":"Instead of me having to, you know, try and find and not knowing if I'm getting ripped off or you know?","start_word":10337,"end_word":10357,"sentiment":"negative","sentiment_score":-0.3751901388168335},{"text":"yeah. No. We have a number of as professionals that we do partner with to make sure that our clients are looked after and, you know, taken care of.","start_word":10358,"end_word":10386,"sentiment":"neutral","sentiment_score":0.05558363348245621},{"text":"Perfect. Alright.","start_word":10387,"end_word":10388,"sentiment":"positive","sentiment_score":0.5037487745285034},{"text":"So I guess any questions from your end? No.","start_word":10389,"end_word":10397,"sentiment":"neutral","sentiment_score":0.15778283774852753},{"text":"I think we've done a, thorough job. Beautiful. That's what I like to hear.","start_word":10398,"end_word":10411,"sentiment":"positive","sentiment_score":0.5224831700325012},{"text":"What I'm gonna do is I'm going to go away and do some research on a lot of the things that we have talked about. If there's any things that I think we need to make recommendations on, we will I'll reach out and book in another time with you. But I am gonna hold off a little bit until we understand next week what your income actually looks like. Yes. I Sorry? do I not sign today? Yeah. Yeah. Yeah. Definitely. If you're comfortable doing that, that's just going that's just to make sure you're happy to continue proceeding with us.","start_word":10412,"end_word":10513,"sentiment":"neutral","sentiment_score":0.10880296677350998},{"text":"That's absolutely fine.","start_word":10514,"end_word":10516,"sentiment":"positive","sentiment_score":0.41273197531700134},{"text":"I would ask if you're happy to and you're comfortable to sign that. This is just my action items that I'm gonna go and review your portfolio. So look at replacing, Bennelong and the bank hybrids we talked about, looking at your trauma insurance, waiting on your income amount to see if we look at increasing your income protection, those sorts of things. Yep. So there are more action items for me to make sure that I get back to you on. And if there is any advice that I need to provide to update a few things, I get on to Not a problem. Well, I've just written that down. There's two things that I need to get you by next Friday. Is that. the That's PSS okay. allowed? I'm gonna send, yeah, I'm gonna send you an email with those items, Okay. so that's fine. If you lose your piece of paper, I'm gonna send that through to you. And I've got my I'll start researching the things that I can up until Friday next week and then leave those last little bits till the end and then get in contact to book in a call to go through any recommendations that we're gonna look at changing. Okay then.","start_word":10517,"end_word":10727,"sentiment":"neutral","sentiment_score":0.08156767875944834},{"text":"Beautiful. Alright.","start_word":10728,"end_word":10729,"sentiment":"positive","sentiment_score":0.4784604609012604},{"text":"So And if I'll you sign this now.","start_word":10730,"end_word":10737,"sentiment":"neutral","sentiment_score":0.2972649931907654},{"text":"fantastic. And Beautiful. So if you fantastic.","start_word":10738,"end_word":10744,"sentiment":"positive","sentiment_score":0.6460691690444946},{"text":"Yeah. that's And why I'm gonna if do you've got it on time. if you've got any questions at all in the meantime, just give me a call, and we can go from there. But I'll I anticipate research process takes about three weeks to get everything back from the provider. So I anticipate reaching out to you probably in about two, two and a half weeks time to book in a time that we can just run Okay. through.","start_word":10745,"end_word":10824,"sentiment":"neutral","sentiment_score":0.1534847617149353},{"text":"Fantastic. Well, thank you so much for your time today, Carmen.","start_word":10825,"end_word":10835,"sentiment":"positive","sentiment_score":0.5150665640830994},{"text":"I really do No appreciate worries. Thank you so much. it. No. You're welcome. I And haven't scanned that now even though it's very close to my signature, but saw those electronic ones these days. Some of them accept, you know, you type in your name. Some of them want you to do a proper signature. It's all over the place. Well, I've just done that now. So it's very it's very close to my my signature anyway. So there are documents waiting for you. Sign request. So I have to sign them too? Fantastic. Is this the second one? It's got there are documents waiting. Your signature, sign request, Carmen Corduroy, and It might be the TFN one, oh, I should tax sign file that? number one. Yep. Because they're the two that typically need they're the two that need the signing, the ongoing service agreement and the tax Okay. file number. And that was probably I need to sign that now? Then we jumped out and then went into the Yeah. next the other Yep. one. Yep. That's okay. So that's loading now. Because I wanna get all that done before we finish Yep. our Absolutely. phone call so that it's done. Absolutely. I will stay on the line with you on the line with you. And if we need to troubleshoot anything, I have Whitlam here who will help me troubleshoot as well. So we'll we'll see how it goes. Okay. So that's the text file number one. Okay. So I'll draw that. Oh, gosh. Today's date. Next document. Click the start. You said ongoing fee. Yep. Alright. I think there's three documents I signed there. Okay.","start_word":10836,"end_word":11115,"sentiment":"neutral","sentiment_score":0.06598140359190958},{"text":"Beautiful.","start_word":11116,"end_word":11116,"sentiment":"positive","sentiment_score":0.631899893283844},{"text":"That usually takes only a few I minutes think that to pop through pop back. yes. I don't know why it's slow today, but it's Monday. Got It's usually okay. a Must be because I'm on holiday. It must case be okay. No. No. of You know? Talking Mondayitis. porkies now. Okay. You will Alright. get the signed documents via email. Okay. I believe it's There done. you go.","start_word":11117,"end_word":11185,"sentiment":"neutral","sentiment_score":0.029291098937392235},{"text":"Fantastic.","start_word":11186,"end_word":11186,"sentiment":"positive","sentiment_score":0.6401517391204834},{"text":"Can you you can set it on that end? Let me just jump in. I'll just check with I'll just check with Whitlam. I won't be a second. Yep.","start_word":11187,"end_word":11215,"sentiment":"neutral","sentiment_score":0.16949887573719025},{"text":"All perfect. Thank you so much for that. No worries. Thank you.","start_word":11216,"end_word":11227,"sentiment":"positive","sentiment_score":0.6908869743347168},{"text":"Alright. Well, I'll talk to you soon.","start_word":11228,"end_word":11234,"sentiment":"neutral","sentiment_score":0.3106388747692108},{"text":"Beautiful. Thanks, Carmen. I will be in touch Okay. Awesome. Thank you. soon.","start_word":11235,"end_word":11247,"sentiment":"positive","sentiment_score":0.5711138844490051},{"text":"Okay. Bye. Bye.","start_word":11248,"end_word":11250,"sentiment":"neutral","sentiment_score":0.20610591769218445}],"average":{"sentiment":"neutral","sentiment_score":0.03460739732519241}}}}