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Let me have a look here. I do have it on max volume. Let me see. I can adjust. Is that any better? Okay. If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit. So I apologize to my colleague, but I'm sure that's fine. If you can't hear me, though, just let me know. Yep. Perfect. Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy. Yeah. Oh, lovely. That's great. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yep. Perfect. Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation. So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments. Do you remember that? Yep. Perfect. So everything has been consolidated, which is perfect. And, obviously, we have your new insurances in place, which is great. The one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they will compensate you so that you are not negatively affected at all by the error with the trade. Does that make sense then? Yep. Perfect. Which also then kind of having a look at, obviously, the investments. And the good thing is that when we did do the recommendation, some of the investments that I did recommend that we moved out of are the ones that have kind of been very slow performing this last twelve months. So that should also see that, obviously, things moving forward. And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended. So, basically, for you, obviously, you wanna be 100% transparent. There was an error with that. You will not be negatively impacted at all. And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today. And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade. Does that make sense? Yep. Perfect. So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well. Yep. Do you have any concerns or questions in regards to any of that? Yes. Yes. So what will basically happen is that management will do that extensive research kind of and assess everything. You will also receive a formal letter explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you. So you will also have it in writing and then kind of moving forward. And then, obviously, that makes a little bit more sense probably once we have all that information for you. But just rest assured, I have flagged there with management, and they're currently working through that. Yep. Now, obviously, when it comes to your superannuation, otherwise, we have you invested in that growth portfolio. Do you remember speaking about that last time? We went through a pretty in-depth of what it means and risk tolerance and stuff like that. Yep. Perfect. And do you still kind of remember what it means to be a growth investor? Mhmm. Yeah. Exactly. So it's kind of somewhere in the middle where you are still obviously focusing on growth. You do wanna obviously maximize that growth where you still have, you know, time until retirement. You wanna make sure your money is working hard for you, but it's not where you are in, like, an aggressive and a high growth portfolio seeing a bit more fluctuations. So it is kind of that somewhere good in the middle where the main focus is growth. We do still have about 20% in your defensive investment. So that is things like, you know, cash, gold, fixed interest. To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well. Now when it comes to time frame, so, obviously, we also wanna make sure that we have enough time in the market for those fluctuations to to come back around. Typically, we would like to see about six years or so until retirement in making sure that you have enough time in the market. So at the moment, do you have any idea when you think you would like to retire? Is it still around 67, or has any of that changed for you? Okay. Yep. Okay. Yep. Perfect. Hopefully, you win the lottery. Give me a call one day, but, otherwise, we'll we'll we'll kind of keep it at that. Now what I have done is I have to send you an email with some documents to run over. Do you have access to your emails at the moment? Yep. Okay. Perfect. If you can access that for me, that would be great. Now we have recently changed the software where as well, so it might look a little bit different through what you have been used through. It's kind of the same, though, where it will ask you to click on a link. Now I believe it says sign now or click here to sign. It doesn't mean that when you click on the link, it asks you to sign right away. It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything. Okay. Perfect. So can you see the first document? It should say super and insurance summary. Yep. Perfect. Now you can see here that you do have your superannuation with Netwealth. At the moment, you do have about $206,808 in there. And then you also have your insurances with Zurich. So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361. Now when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base? And then, obviously, over time, depending on, obviously, different shifts and stuff. Are you still doing are you still working as a midwife, or has any of that changed? Okay. Perfect. No. That's good. The reason I do ask is, obviously, if your income is drastically changing at any point in time, just let me know if we do wanna revisit, obviously, that monthly amount just to make sure it's still kind of aligning with you. Do you have any questions in regards to your insurances, or you happy with them? Do you wanna make any changes? No. Yes. Great. Perfect. Now the next document should be your network performance report. Yep. Perfect. Now like I said here, this isn't really this is what it is currently. That's not what you should be in. So you can basically see on this one here all your different investments, how they have performed. And if you scroll down through page two, it says total portfolio performance. Can you see that? Yes. And you can see here that if we didn't make any changes at all last year and remained the same, then what obviously would have happened in the last twelve months after fees is that you can see, like you said, as well, it has been a bit stagnant, and it has only grown by about 2.02% after fees. But like I said, the good thing is that we did do advise last year and move you out of some of those investments that was underperforming, which was great, especially because it's before the drop, which is very good timing. And like I said, we will completely investigate all of that for you. Yep. Now if you can click on the next one for me, it should be your Vanguard index chart, I believe. Yep. Perfect. And do you remember going through this last year as well? Yep. Yeah. Basically, every year, Vanguard does release a new one. So the next one is due to come out anytime soon because they kind of do it at their financial year shift. It is kind of a good way just to kind of look at things and basically see what we are talking about when we are talking about the market. Now you can kind of see here that it goes from 1995 through to 2025, and it shows you kind of all the ups and downs of the market. Now how this one is also good is it then breaks down the different asset classes and how they have moved. So referring back to that kind of growth portfolio for you, the 80% growth investment is a combination of your top four. So you'll have your US share, which is, like, your light green line, which you can see are the ones that that grow the most, but they also fluctuate. You have Australian shares, which is, like, your darker green line, your international shares, which is, like, your yellow, and then your property, which is, like, your maroon color. So that's kind of, like, your your growth component. And then that 20% of defensive is like those bottom three, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate too much either. Does that all make sense? Yep. Perfect. Now next document should be your Zurich certificate of currency if I'm correct. Yep. So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you. Yep. Perfect. Now the next document will is that your ongoing service agreement with Netwealth? Please consent to ongoing fee. Okay. Perfect. So the services guide is just an updated version. It is one of that compliance forms, but it does tell you all the important information in regards to us here at. None of the important information has changed, but we've had a bit of an extension to the team, which is good, but then also a bit of update through marketing. So if you do have a bit of a read over it, and I'll let you do that in your own time as well so I don't keep you here for for too long. But it does kind of give you all the important information as you scroll through as well. You will see the directors and our advice team. You'll also see myself there on page 10, I believe, if you do wanna put a face to the voice again. Yep. Perfect. Now the next document, what is that one for you, Anne? Yep. So that one is just kind of a smaller version of the other document. Again, just a compliance forms just breaks down the important information. Now I do also wanna let you know that none of the fee structure has changed. So it's not increased or anything like that, which is good. It stays exactly the same at that 1.65 from superannuation for you. Yep. Now next document. Yep. So this is the one with Netwealth. And that is to say if you are happy obviously, that is to say that you are happy to stay on as a client. Now like I said, no changes to the free structure, but I do also want to let you know that it is not a locking contract. So if at any point in time you are not happy, it is not a locked in contract. It is something you have to sign every twelve months if you would like to stay on as a client, but that's not does not mean that you are locked in for twelve months because it does get deducted on a monthly basis for you. Do you have any questions in regards to anything regards to the fee structure? Still make sense? Yep. Yep. Perfect. Now it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number. It is another compliance form for you, Basically, just to say that we are keeping your tax file number secure and safe on file. Yes. We do. So you don't need to provide it or anything like that. It is just literally a compliance form to say that we do have it, and we are keeping it secure and safe on file. So it's not like you have to provide it or anything like that. Yep. Any questions? And that should be the last document. Okay. Beautiful. Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all. So just kind of bear with me as I go through this just to make sure that's all still aligning for you. Now when it comes to your personal information, I have you down here as single with no financial dependents. Your daughters are a bit older. Is that correct? Yep. And next up, Kane, so in the event that something were to happen to you, I do have here Ashley nominated. That's still the case as well. I have for the beneficiary forms. I have both of them. So that is if something were to happen, your super and your insurances will divide it and split fifty fifty between Ashley and Chelsea. But for contact number, I only have an Ashley nominated. Would you like to add Chelsea as well? Yep. Okay. And I already have her name from the beneficiary forms. Just the best contact number for Chelsea? Yep. Two four four. Yep. 823. Beautiful. And you said you have no preference on who to call. It's just whoever's available, essentially? Yeah. Okay. Good. Great. Now we've already touched on employment and everything. Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed. But I have here that last time, your property was valued at about 650,000. Is that still the case? Do you know, or has that gone up a little bit? Mhmm. Yeah. And that's right. Because the they do have changed also. And most of the time, unless you've had a recent evaluation, it is a little bit tricky. And often people use exactly like that. They'll check what's what's in the area or even sometimes on real estate. It will tell you, like, a a rough guide, but $7.50 is perfect. So I will just update that. Now mortgage, I have around 511,000. Okay. Yep. Perfect. So 75. Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house. So you've obviously done that, but you're still kind of working through it. Yeah. Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which which I'm sure will be nice. Do you know do you know how long it's estimated to take the renovations at all, or is it about hard to say? Oh, yeah. Yes. Oh, beautiful. Are you doing anything yourself, or are you kind of outsourcing most of it? Yeah. Oh, that's really good. I wish I could. Definitely can't. Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation. Is that have you and did you end up using that, or do you still have some sitting in an offset account? Yep. Yep. Okay. Perfect. Yep. Yep. At least, hopefully, if you do it a little bit gradually, though, it's not, hopefully, as as big of a lump sum at one time, and it's kind of a little bit slower eventually. Yep. I am. Okay. Yep. Yeah. Oh, that was exciting. Yes. But, hopefully, it pays off in the end, and, yeah, the the equity will will go up for you. Yeah. Yes. Especially if you're doing it yourself, it's obviously a bit more cost effective as well. Oh, that's good. Yeah. Now and I also have here a motor vehicle of about 50,000. Is that still the case as well? Yep. Yep. Perfect. And you didn't have anything owing on that one? No. Great. I also have a credit card of about $2,000. Yeah. Is that card more for, like, points and stuff and you pay it off each month? Okay. Yeah. No. I'll just remove that back. It's not especially if you do clear it all the time. Any other assets that's changed at all? Any motorbikes or boats or anything else? Nope. Nope. Perfect. And health and lifestyle wise, still a nonsmoker? Yep. And have you had any changes, significant health issues, or injuries, or anything in the last twelve months? No. Yeah. Great. And estate planning, we've already touched on your beneficiaries, which is all, up to date. I do also have here that last time we spoke, you were on the to do list anyway to have a look at a will. Did you end up having a look at that, or is that still kind of on the cards? Yep. Yeah. And and to be fair, most people are the same. I do always say it is good to consider. Obviously, it's always good. I always tell everyone that you should have a will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible. But, obviously, the choice is completely up to you, and you can obviously go through a lawyer, which is the most comprehensive way. But also understand that, obviously, it's more expensive. Even just like a little bill kit for the post office is better than nothing. Just, obviously, if you do end up doing that, just make sure you read it carefully and complete it correctly. So if something were to happen, it does hold up in court as well. Yep. Perfect. Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay. Well, what happened the last twelve months? Have any of your goals changed? It seems like it's pretty similar. Obviously, finish off the renovations, and then making sure your super is on track for retirement. Is it also kind of focusing on paying down the mortgage? Is that also kind of a side goal for you? Yeah. Okay. Perfect. Anything else that you are working towards that you are wanting to achieve at all? Yep. Perfect. Yeah. Oh, that's that's good. And now that was essentially everything that I needed to go through with you, Anne. Do you have any questions or anything for me while you do have me on the phone? Yes. Yes. Yes. Definitely do. Now the letter will come from our head of advice, Larissa, but I will also be informed of the outcome as well so that I know. If you do have any, like, questions or anything when you get it or any concerns or anything like that, just please give me a call, and I'm more than happy to go through it. But I'll keep a lookout on that. And like I said, I have passed it on, and they are kind of working through it at the moment for you. Yep. Perfect. If there is anything else you need, though, irrespective of that conciliation, if there's anything else that you needed at any point in time, don't hesitate to give me a call or send me an email. I'm always here if you need anything. Yep. No worries at all. Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day. And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with those investments. Yep. No problem. We'll speak soon. Okay. 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afternoon. This is Veronica from OQ Financial. How are you? I'm good. Thanks.\n\nI had you booked in this afternoon to go over your under review. Is now still a good time for you? Yep. Let me have a look here. I do have it on max volume.\n\nLet me see. I can adjust. Is that any better? Okay. If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit.\n\nSo I apologize to my colleague, but I'm sure that's fine. If you can't hear me, though, just let me know. Yep. Perfect. Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.\n\nPerfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? I've been busy. Yeah. Oh, lovely. That's great.\n\nNow before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yep. Perfect. Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation. So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments.\n\nDo you remember that? Yep. Perfect. So everything has been consolidated, which is perfect. And, obviously, we have your new insurances in place, which is great.\n\nThe one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they will compensate you so that you are not negatively affected at all by the error with the trade. Does that make sense then? Yep. Perfect. Which also then kind of having a look at, obviously, the investments.\n\nAnd the good thing is that when we did do the recommendation, some of the investments that I did recommend that we moved out of are the ones that have kind of been very slow performing this last twelve months. So that should also see that, obviously, things moving forward. And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended. So, basically, for you, obviously, you wanna be 100% transparent. There was an error with that.\n\nYou will not be negatively impacted at all. And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today. And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade. Does that make sense? Yep.\n\nPerfect. So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well. Yep. Do you have any concerns or questions in regards to any of that? Yes.\n\nYes. So what will basically happen is that management will do that extensive research kind of and assess everything. You will also receive a formal letter explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you. So you will also have it in writing and then kind of moving forward. And then, obviously, that makes a little bit more sense probably once we have all that information for you.\n\nBut just rest assured, I have flagged there with management, and they're currently working through that. Yep. Now, obviously, when it comes to your superannuation, otherwise, we have you invested in that growth portfolio. Do you remember speaking about that last time? We went through a pretty in-depth of what it means and risk tolerance and stuff like that.\n\nYep. Perfect. And do you still kind of remember what it means to be a growth investor? Mhmm. Yeah.\n\nExactly. So it's kind of somewhere in the middle where you are still obviously focusing on growth. You do wanna obviously maximize that growth where you still have, you know, time until retirement. You wanna make sure your money is working hard for you, but it's not where you are in, like, an aggressive and a high growth portfolio seeing a bit more fluctuations. So it is kind of that somewhere good in the middle where the main focus is growth.\n\nWe do still have about 20% in your defensive investment. So that is things like, you know, cash, gold, fixed interest. To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well. Now when it comes to time frame, so, obviously, we also wanna make sure that we have enough time in the market for those fluctuations to to come back around. Typically, we would like to see about six years or so until retirement in making sure that you have enough time in the market.\n\nSo at the moment, do you have any idea when you think you would like to retire? Is it still around 67, or has any of that changed for you? Okay. Yep. Okay.\n\nYep. Perfect. Hopefully, you win the lottery. Give me a call one day, but, otherwise, we'll we'll we'll kind of keep it at that. Now what I have done is I have to send you an email with some documents to run over.\n\nDo you have access to your emails at the moment? Yep. Okay. Perfect. If you can access that for me, that would be great.\n\nNow we have recently changed the software where as well, so it might look a little bit different through what you have been used through. It's kind of the same, though, where it will ask you to click on a link. Now I believe it says sign now or click here to sign. It doesn't mean that when you click on the link, it asks you to sign right away. It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything.\n\nOkay. Perfect. So can you see the first document? It should say super and insurance summary. Yep.\n\nPerfect. Now you can see here that you do have your superannuation with Netwealth. At the moment, you do have about $206,808 in there. And then you also have your insurances with Zurich. So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361.\n\nNow when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base? And then, obviously, over time, depending on, obviously, different shifts and stuff. Are you still doing are you still working as a midwife, or has any of that changed? Okay. Perfect.\n\nNo. That's good. The reason I do ask is, obviously, if your income is drastically changing at any point in time, just let me know if we do wanna revisit, obviously, that monthly amount just to make sure it's still kind of aligning with you. Do you have any questions in regards to your insurances, or you happy with them? Do you wanna make any changes?\n\nNo. Yes. Great. Perfect. Now the next document should be your network performance report.\n\nYep. Perfect. Now like I said here, this isn't really this is what it is currently. That's not what you should be in. So you can basically see on this one here all your different investments, how they have performed.\n\nAnd if you scroll down through page two, it says total portfolio performance. Can you see that? Yes. And you can see here that if we didn't make any changes at all last year and remained the same, then what obviously would have happened in the last twelve months after fees is that you can see, like you said, as well, it has been a bit stagnant, and it has only grown by about 2.02% after fees. But like I said, the good thing is that we did do advise last year and move you out of some of those investments that was underperforming, which was great, especially because it's before the drop, which is very good timing.\n\nAnd like I said, we will completely investigate all of that for you. Yep. Now if you can click on the next one for me, it should be your Vanguard index chart, I believe. Yep. Perfect.\n\nAnd do you remember going through this last year as well? Yep. Yeah. Basically, every year, Vanguard does release a new one. So the next one is due to come out anytime soon because they kind of do it at their financial year shift.\n\nIt is kind of a good way just to kind of look at things and basically see what we are talking about when we are talking about the market. Now you can kind of see here that it goes from 1995 through to 2025, and it shows you kind of all the ups and downs of the market. Now how this one is also good is it then breaks down the different asset classes and how they have moved. So referring back to that kind of growth portfolio for you, the 80% growth investment is a combination of your top four. So you'll have your US share, which is, like, your light green line, which you can see are the ones that that grow the most, but they also fluctuate.\n\nYou have Australian shares, which is, like, your darker green line, your international shares, which is, like, your yellow, and then your property, which is, like, your maroon color. So that's kind of, like, your your growth component. And then that 20% of defensive is like those bottom three, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate too much either. Does that all make sense?\n\nYep. Perfect. Now next document should be your Zurich certificate of currency if I'm correct. Yep. So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you.\n\nYep. Perfect. Now the next document will is that your ongoing service agreement with Netwealth? Please consent to ongoing fee. Okay.\n\nPerfect. So the services guide is just an updated version. It is one of that compliance forms, but it does tell you all the important information in regards to us here at. None of the important information has changed, but we've had a bit of an extension to the team, which is good, but then also a bit of update through marketing. So if you do have a bit of a read over it, and I'll let you do that in your own time as well so I don't keep you here for for too long.\n\nBut it does kind of give you all the important information as you scroll through as well. You will see the directors and our advice team. You'll also see myself there on page 10, I believe, if you do wanna put a face to the voice again. Yep. Perfect.\n\nNow the next document, what is that one for you, Anne? Yep. So that one is just kind of a smaller version of the other document. Again, just a compliance forms just breaks down the important information. Now I do also wanna let you know that none of the fee structure has changed.\n\nSo it's not increased or anything like that, which is good. It stays exactly the same at that 1.65 from superannuation for you. Yep. Now next document. Yep.\n\nSo this is the one with Netwealth. And that is to say if you are happy obviously, that is to say that you are happy to stay on as a client. Now like I said, no changes to the free structure, but I do also want to let you know that it is not a locking contract. So if at any point in time you are not happy, it is not a locked in contract. It is something you have to sign every twelve months if you would like to stay on as a client, but that's not does not mean that you are locked in for twelve months because it does get deducted on a monthly basis for you.\n\nDo you have any questions in regards to anything regards to the fee structure? Still make sense? Yep. Yep. Perfect.\n\nNow it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number. It is another compliance form for you, Basically, just to say that we are keeping your tax file number secure and safe on file. Yes. We do. So you don't need to provide it or anything like that.\n\nIt is just literally a compliance form to say that we do have it, and we are keeping it secure and safe on file. So it's not like you have to provide it or anything like that. Yep. Any questions? And that should be the last document.\n\nOkay. Beautiful. Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all. So just kind of bear with me as I go through this just to make sure that's all still aligning for you. Now when it comes to your personal information, I have you down here as single with no financial dependents.\n\nYour daughters are a bit older. Is that correct? Yep. And next up, Kane, so in the event that something were to happen to you, I do have here Ashley nominated. That's still the case as well.\n\nI have for the beneficiary forms. I have both of them. So that is if something were to happen, your super and your insurances will divide it and split fifty fifty between Ashley and Chelsea. But for contact number, I only have an Ashley nominated. Would you like to add Chelsea as well?\n\nYep. Okay. And I already have her name from the beneficiary forms. Just the best contact number for Chelsea? Yep.\n\nTwo four four. Yep. 823. Beautiful. And you said you have no preference on who to call.\n\nIt's just whoever's available, essentially? Yeah. Okay. Good. Great.\n\nNow we've already touched on employment and everything. Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed. But I have here that last time, your property was valued at about 650,000. Is that still the case? Do you know, or has that gone up a little bit?\n\nMhmm. Yeah. And that's right. Because the they do have changed also. And most of the time, unless you've had a recent evaluation, it is a little bit tricky.\n\nAnd often people use exactly like that. They'll check what's what's in the area or even sometimes on real estate. It will tell you, like, a a rough guide, but $7.50 is perfect. So I will just update that. Now mortgage, I have around 511,000.\n\nOkay. Yep. Perfect. So 75. Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house.\n\nSo you've obviously done that, but you're still kind of working through it. Yeah. Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which which I'm sure will be nice. Do you know do you know how long it's estimated to take the renovations at all, or is it about hard to say? Oh, yeah.\n\nYes. Oh, beautiful. Are you doing anything yourself, or are you kind of outsourcing most of it? Yeah. Oh, that's really good.\n\nI wish I could. Definitely can't. Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation. Is that have you and did you end up using that, or do you still have some sitting in an offset account? Yep.\n\nYep. Okay. Perfect. Yep. Yep.\n\nAt least, hopefully, if you do it a little bit gradually, though, it's not, hopefully, as as big of a lump sum at one time, and it's kind of a little bit slower eventually. Yep. I am. Okay. Yep.\n\nYeah. Oh, that was exciting. Yes. But, hopefully, it pays off in the end, and, yeah, the the equity will will go up for you. Yeah.\n\nYes. Especially if you're doing it yourself, it's obviously a bit more cost effective as well. Oh, that's good. Yeah. Now and I also have here a motor vehicle of about 50,000.\n\nIs that still the case as well? Yep. Yep. Perfect. And you didn't have anything owing on that one?\n\nNo. Great. I also have a credit card of about $2,000. Yeah. Is that card more for, like, points and stuff and you pay it off each month?\n\nOkay. Yeah. No. I'll just remove that back. It's not especially if you do clear it all the time.\n\nAny other assets that's changed at all? Any motorbikes or boats or anything else? Nope. Nope. Perfect.\n\nAnd health and lifestyle wise, still a nonsmoker? Yep. And have you had any changes, significant health issues, or injuries, or anything in the last twelve months? No. Yeah.\n\nGreat. And estate planning, we've already touched on your beneficiaries, which is all, up to date. I do also have here that last time we spoke, you were on the to do list anyway to have a look at a will. Did you end up having a look at that, or is that still kind of on the cards? Yep.\n\nYeah. And and to be fair, most people are the same. I do always say it is good to consider. Obviously, it's always good. I always tell everyone that you should have a will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible.\n\nBut, obviously, the choice is completely up to you, and you can obviously go through a lawyer, which is the most comprehensive way. But also understand that, obviously, it's more expensive. Even just like a little bill kit for the post office is better than nothing. Just, obviously, if you do end up doing that, just make sure you read it carefully and complete it correctly. So if something were to happen, it does hold up in court as well.\n\nYep. Perfect. Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay. Well, what happened the last twelve months? Have any of your goals changed?\n\nIt seems like it's pretty similar. Obviously, finish off the renovations, and then making sure your super is on track for retirement. Is it also kind of focusing on paying down the mortgage? Is that also kind of a side goal for you? Yeah.\n\nOkay. Perfect. Anything else that you are working towards that you are wanting to achieve at all? Yep. Perfect.\n\nYeah. Oh, that's that's good. And now that was essentially everything that I needed to go through with you, Anne. Do you have any questions or anything for me while you do have me on the phone? Yes.\n\nYes. Yes. Definitely do. Now the letter will come from our head of advice, Larissa, but I will also be informed of the outcome as well so that I know. If you do have any, like, questions or anything when you get it or any concerns or anything like that, just please give me a call, and I'm more than happy to go through it.\n\nBut I'll keep a lookout on that. And like I said, I have passed it on, and they are kind of working through it at the moment for you. Yep. Perfect. If there is anything else you need, though, irrespective of that conciliation, if there's anything else that you needed at any point in time, don't hesitate to give me a call or send me an email.\n\nI'm always here if you need anything. Yep. No worries at all. Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day. And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with those investments.\n\nYep. No problem. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.3332878053188324},{"text":"This is Veronica from OQ Financial.","start":3.6,"end":5.54,"sentiment":"neutral","sentiment_score":0.3123881022135417},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2336491197347641},{"text":"I'm good.","start":8.96,"end":9.679999,"sentiment":"positive","sentiment_score":0.5788621306419373},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6468006372451782}],"sentiment":"positive","sentiment_score":0.3604554629751614,"num_words":14,"start":2.8,"end":10.179999},{"sentences":[{"text":"I had you booked in this afternoon to go over your under review.","start":10.96,"end":14.0,"sentiment":"positive","sentiment_score":0.3535068195599776},{"text":"Is now still a good time for you?","start":14.0,"end":15.675,"sentiment":"neutral","sentiment_score":0.3272170200943947},{"text":"Yep.","start":16.955,"end":17.455,"sentiment":"neutral","sentiment_score":0.000109759159386158},{"text":"Let me have a look here.","start":20.635,"end":21.835,"sentiment":"neutral","sentiment_score":-0.06562301935628057},{"text":"I do have it on max volume.","start":21.835,"end":24.494999,"sentiment":"neutral","sentiment_score":-0.0024728990559067044}],"sentiment":"neutral","sentiment_score":0.19435389041900636,"num_words":35,"start":10.96,"end":24.494999},{"sentences":[{"text":"Let me see.","start":27.355,"end":28.335,"sentiment":"neutral","sentiment_score":-0.018010263641675312},{"text":"I can adjust.","start":28.869999,"end":29.689999,"sentiment":"neutral","sentiment_score":-0.023940936972697575},{"text":"Is that any better?","start":29.75,"end":30.89,"sentiment":"neutral","sentiment_score":-0.04566728929057717},{"text":"Okay.","start":36.79,"end":37.269997,"sentiment":"neutral","sentiment_score":-0.04322115331888199},{"text":"If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit.","start":37.269997,"end":44.925,"sentiment":"neutral","sentiment_score":-0.1670092957263643}],"sentiment":"neutral","sentiment_score":-0.12199843691831286,"num_words":33,"start":27.355,"end":44.925},{"sentences":[{"text":"So I apologize to my colleague, but I'm sure that's fine.","start":44.925,"end":47.745003,"sentiment":"neutral","sentiment_score":-0.10293366421352733},{"text":"If you can't hear me, though, just let me know.","start":48.125,"end":50.305,"sentiment":"neutral","sentiment_score":-0.12179379686713218},{"text":"Yep.","start":51.645,"end":52.145,"sentiment":"neutral","sentiment_score":0.10019783675670624},{"text":"Perfect.","start":52.845,"end":53.345,"sentiment":"positive","sentiment_score":0.3431205153465271},{"text":"Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.","start":53.885002,"end":61.14,"sentiment":"neutral","sentiment_score":0.05080925596171412}],"sentiment":"neutral","sentiment_score":-0.008335028846676532,"num_words":52,"start":44.925,"end":61.14},{"sentences":[{"text":"Perfect.","start":61.14,"end":61.64,"sentiment":"neutral","sentiment_score":0.2737746834754944},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please?","start":63.94,"end":73.72,"sentiment":"neutral","sentiment_score":0.0636189207982491},{"text":"Yep.","start":81.534996,"end":82.015,"sentiment":"neutral","sentiment_score":0.1188499480485916},{"text":"Perfect.","start":82.015,"end":82.515,"sentiment":"positive","sentiment_score":0.4404962956905365},{"text":"That's exactly what I have here.","start":82.575,"end":84.174995,"sentiment":"positive","sentiment_score":0.4605912963549296}],"sentiment":"neutral","sentiment_score":0.13394679098801557,"num_words":43,"start":61.14,"end":84.174995},{"sentences":[{"text":"And how's your day been so far?","start":84.174995,"end":85.935,"sentiment":"neutral","sentiment_score":0.12238267596278872},{"text":"I've been busy.","start":85.935,"end":86.835,"sentiment":"neutral","sentiment_score":-0.14437606930732727},{"text":"Yeah.","start":90.31,"end":90.81,"sentiment":"neutral","sentiment_score":-0.009874081239104273},{"text":"Oh, lovely.","start":91.75,"end":92.47,"sentiment":"positive","sentiment_score":0.37307241559028625},{"text":"That's great.","start":92.47,"end":93.369995,"sentiment":"positive","sentiment_score":0.5566742420196533}],"sentiment":"neutral","sentiment_score":0.1515446505198876,"num_words":15,"start":84.174995,"end":93.369995},{"sentences":[{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at.","start":94.869995,"end":110.445,"sentiment":"neutral","sentiment_score":-0.012323339453391861},{"text":"Yep.","start":134.775,"end":135.275,"sentiment":"neutral","sentiment_score":0.07329396158456802},{"text":"Perfect.","start":136.295,"end":136.795,"sentiment":"neutral","sentiment_score":0.2858268618583679},{"text":"Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation.","start":137.095,"end":150.65001,"sentiment":"neutral","sentiment_score":-0.10597852566118898},{"text":"So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments.","start":151.35,"end":161.775,"sentiment":"neutral","sentiment_score":-0.008704058467768706}],"sentiment":"neutral","sentiment_score":-0.03195607271699006,"num_words":114,"start":94.869995,"end":161.775},{"sentences":[{"text":"Do you remember that?","start":161.83499,"end":162.97499,"sentiment":"neutral","sentiment_score":-0.03468130622059107},{"text":"Yep.","start":164.31499,"end":164.635,"sentiment":"neutral","sentiment_score":0.1316610872745514},{"text":"Perfect.","start":164.635,"end":165.135,"sentiment":"positive","sentiment_score":0.3935878872871399},{"text":"So everything has been consolidated, which is perfect.","start":165.19499,"end":168.075,"sentiment":"positive","sentiment_score":0.5895410515367985},{"text":"And, obviously, we have your new insurances in place, which is great.","start":168.075,"end":172.655,"sentiment":"positive","sentiment_score":0.6820128311713537}],"sentiment":"positive","sentiment_score":0.5110386975396138,"num_words":26,"start":161.83499,"end":172.655},{"sentences":[{"text":"The one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they will compensate you so that you are not negatively affected at all by the error with the trade.","start":173.03,"end":230.55,"sentiment":"neutral","sentiment_score":-0.17805338050555258},{"text":"Does that make sense then?","start":230.63,"end":232.01001,"sentiment":"neutral","sentiment_score":0.04180019050836563},{"text":"Yep.","start":233.11,"end":233.51001,"sentiment":"neutral","sentiment_score":0.05625347793102264},{"text":"Perfect.","start":233.51001,"end":234.01001,"sentiment":"neutral","sentiment_score":0.1757362186908722},{"text":"Which also then kind of having a look at, obviously, the investments.","start":234.87,"end":238.49,"sentiment":"neutral","sentiment_score":-0.017709591736396153}],"sentiment":"neutral","sentiment_score":-0.1484510052765979,"num_words":122,"start":173.03,"end":238.49},{"sentences":[{"text":"And the good thing is that when we did do the recommendation, some of the investments that I did recommend that we moved out of are the ones that have kind of been very slow performing this last twelve months.","start":238.63,"end":252.91501,"sentiment":"neutral","sentiment_score":-0.05854049939662218},{"text":"So that should also see that, obviously, things moving forward.","start":253.855,"end":257.715,"sentiment":"neutral","sentiment_score":0.17356909886002542},{"text":"And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended.","start":258.255,"end":276.34998,"sentiment":"neutral","sentiment_score":-0.04870449346408509},{"text":"So, basically, for you, obviously, you wanna be 100% transparent.","start":277.425,"end":280.965,"sentiment":"neutral","sentiment_score":0.019224870949983597},{"text":"There was an error with that.","start":281.025,"end":282.625,"sentiment":"neutral","sentiment_score":-0.16376237819592157}],"sentiment":"neutral","sentiment_score":-0.03392203800319656,"num_words":123,"start":238.63,"end":282.625},{"sentences":[{"text":"You will not be negatively impacted at all.","start":282.625,"end":285.445,"sentiment":"neutral","sentiment_score":0.16844433825463057},{"text":"And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today.","start":285.905,"end":297.24,"sentiment":"neutral","sentiment_score":0.29851704748237834},{"text":"And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade.","start":298.02,"end":308.58502,"sentiment":"neutral","sentiment_score":0.2141457887037712},{"text":"Does that make sense?","start":308.64502,"end":309.785,"sentiment":"neutral","sentiment_score":0.13913120701909065},{"text":"Yep.","start":310.64502,"end":311.045,"sentiment":"neutral","sentiment_score":0.27101999521255493}],"sentiment":"neutral","sentiment_score":0.24204488839080304,"num_words":81,"start":282.625,"end":311.045},{"sentences":[{"text":"Perfect.","start":311.045,"end":311.545,"sentiment":"positive","sentiment_score":0.5619587898254395},{"text":"So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well.","start":311.765,"end":327.78,"sentiment":"positive","sentiment_score":0.37040446753855105},{"text":"Yep.","start":329.52,"end":330.0,"sentiment":"neutral","sentiment_score":0.07055264711380005},{"text":"Do you have any concerns or questions in regards to any of that?","start":330.0,"end":333.13998,"sentiment":"neutral","sentiment_score":0.03358827187464787},{"text":"Yes.","start":340.345,"end":340.845,"sentiment":"neutral","sentiment_score":-0.10369139909744264}],"sentiment":"neutral","sentiment_score":0.2995329831327711,"num_words":70,"start":311.045,"end":340.845},{"sentences":[{"text":"Yes.","start":342.825,"end":343.325,"sentiment":"neutral","sentiment_score":0.08788670599460602},{"text":"So what will basically happen is that management will do that extensive research kind of and assess everything.","start":343.545,"end":352.13998,"sentiment":"neutral","sentiment_score":0.14975330647495058},{"text":"You will also receive a formal letter explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you.","start":352.13998,"end":363.635,"sentiment":"neutral","sentiment_score":0.17580969063074967},{"text":"So you will also have it in writing and then kind of moving forward.","start":363.635,"end":367.715,"sentiment":"neutral","sentiment_score":0.24503969933305467},{"text":"And then, obviously, that makes a little bit more sense probably once we have all that information for you.","start":367.715,"end":372.755,"sentiment":"neutral","sentiment_score":0.14276742464617678}],"sentiment":"neutral","sentiment_score":0.17341501472724807,"num_words":90,"start":342.825,"end":372.755},{"sentences":[{"text":"But just rest assured, I have flagged there with management, and they're currently working through that.","start":372.755,"end":376.935,"sentiment":"neutral","sentiment_score":-0.014648350726929493},{"text":"Yep.","start":378.31,"end":378.81,"sentiment":"neutral","sentiment_score":0.04140598699450493},{"text":"Now, obviously, when it comes to your superannuation, otherwise, we have you invested in that growth portfolio.","start":379.51,"end":387.13,"sentiment":"neutral","sentiment_score":0.028789248098345363},{"text":"Do you remember speaking about that last time?","start":387.99002,"end":391.375,"sentiment":"neutral","sentiment_score":0.0040931315161287785},{"text":"We went through a pretty in-depth of what it means and risk tolerance and stuff like that.","start":391.375,"end":396.515,"sentiment":"neutral","sentiment_score":-0.018853103002423748}],"sentiment":"neutral","sentiment_score":0.00014732023937848664,"num_words":59,"start":372.755,"end":396.515},{"sentences":[{"text":"Yep.","start":397.775,"end":398.175,"sentiment":"neutral","sentiment_score":0.11202530562877656},{"text":"Perfect.","start":398.175,"end":398.655,"sentiment":"neutral","sentiment_score":0.2340727150440216},{"text":"And do you still kind of remember what it means to be a growth investor?","start":398.655,"end":401.95502,"sentiment":"neutral","sentiment_score":0.08795617967844009},{"text":"Mhmm.","start":402.33,"end":402.83,"sentiment":"neutral","sentiment_score":-0.000469990074634552},{"text":"Yeah.","start":412.72998,"end":413.22998,"sentiment":"neutral","sentiment_score":-0.0032927170395851135}],"sentiment":"neutral","sentiment_score":0.08745673730185158,"num_words":19,"start":397.775,"end":413.22998},{"sentences":[{"text":"Exactly.","start":413.37,"end":413.87,"sentiment":"neutral","sentiment_score":0.15706883370876312},{"text":"So it's kind of somewhere in the middle where you are still obviously focusing on growth.","start":414.09,"end":418.26498,"sentiment":"neutral","sentiment_score":0.15602611796930432},{"text":"You do wanna obviously maximize that growth where you still have, you know, time until retirement.","start":418.725,"end":423.145,"sentiment":"neutral","sentiment_score":0.3072751313447952},{"text":"You wanna make sure your money is working hard for you, but it's not where you are in, like, an aggressive and a high growth portfolio seeing a bit more fluctuations.","start":423.285,"end":432.10498,"sentiment":"neutral","sentiment_score":0.24060808747045456},{"text":"So it is kind of that somewhere good in the middle where the main focus is growth.","start":432.92,"end":436.78,"sentiment":"positive","sentiment_score":0.33359304333434386}],"sentiment":"neutral","sentiment_score":0.25555334902471966,"num_words":81,"start":413.37,"end":436.78},{"sentences":[{"text":"We do still have about 20% in your defensive investment.","start":437.16,"end":441.98,"sentiment":"neutral","sentiment_score":0.30383146107196807},{"text":"So that is things like, you know, cash, gold, fixed interest.","start":442.52002,"end":445.9,"sentiment":"neutral","sentiment_score":0.20037384873086755},{"text":"To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well.","start":446.04498,"end":452.945,"sentiment":"neutral","sentiment_score":0.2341605095486892},{"text":"Now when it comes to time frame, so, obviously, we also wanna make sure that we have enough time in the market for those fluctuations to to come back around.","start":454.445,"end":463.87003,"sentiment":"neutral","sentiment_score":0.13758672252297402},{"text":"Typically, we would like to see about six years or so until retirement in making sure that you have enough time in the market.","start":464.81,"end":473.39,"sentiment":"neutral","sentiment_score":0.10329419032980998}],"sentiment":"neutral","sentiment_score":0.1733844560828615,"num_words":94,"start":437.16,"end":473.39},{"sentences":[{"text":"So at the moment, do you have any idea when you think you would like to retire?","start":474.01,"end":480.00497,"sentiment":"neutral","sentiment_score":0.027775119332706228},{"text":"Is it still around 67, or has any of that changed for you?","start":480.00497,"end":484.345,"sentiment":"neutral","sentiment_score":-0.001058267572751412},{"text":"Okay.","start":490.9,"end":491.4,"sentiment":"neutral","sentiment_score":-0.14406274259090424},{"text":"Yep.","start":494.1,"end":494.6,"sentiment":"neutral","sentiment_score":-0.08880007266998291},{"text":"Okay.","start":497.3,"end":497.7,"sentiment":"neutral","sentiment_score":0.04054822027683258}],"sentiment":"neutral","sentiment_score":0.008063786522005543,"num_words":33,"start":474.01,"end":497.7},{"sentences":[{"text":"Yep.","start":497.7,"end":498.2,"sentiment":"neutral","sentiment_score":0.11171384155750276},{"text":"Perfect.","start":498.26,"end":498.675,"sentiment":"positive","sentiment_score":0.3838731050491333},{"text":"Hopefully, you win the lottery.","start":498.75497,"end":499.875,"sentiment":"positive","sentiment_score":0.3682421386241913},{"text":"Give me a call one day, but, otherwise, we'll we'll we'll kind of keep it at that.","start":499.875,"end":505.895,"sentiment":"neutral","sentiment_score":0.05822326966068324},{"text":"Now what I have done is I have to send you an email with some documents to run over.","start":507.63498,"end":513.42,"sentiment":"neutral","sentiment_score":0.04702660794320859}],"sentiment":"neutral","sentiment_score":0.09814183197395746,"num_words":43,"start":497.7,"end":513.42},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":513.42,"end":515.52,"sentiment":"neutral","sentiment_score":0.024939628876745702},{"text":"Yep.","start":516.86,"end":517.18,"sentiment":"neutral","sentiment_score":0.0943516045808792},{"text":"Okay.","start":517.18,"end":517.5,"sentiment":"neutral","sentiment_score":0.22736942768096924},{"text":"Perfect.","start":517.5,"end":518.0,"sentiment":"positive","sentiment_score":0.410119891166687},{"text":"If you can access that for me, that would be great.","start":518.06,"end":521.36,"sentiment":"positive","sentiment_score":0.38869549469514325}],"sentiment":"neutral","sentiment_score":0.21903698557677367,"num_words":24,"start":513.42,"end":521.36},{"sentences":[{"text":"Now we have recently changed the software where as well, so it might look a little bit different through what you have been used through.","start":521.82,"end":529.485,"sentiment":"neutral","sentiment_score":0.03423712506890297},{"text":"It's kind of the same, though, where it will ask you to click on a link.","start":529.625,"end":533.885,"sentiment":"neutral","sentiment_score":0.018247248779516667},{"text":"Now I believe it says sign now or click here to sign.","start":534.105,"end":537.75,"sentiment":"neutral","sentiment_score":0.0009234086222325759},{"text":"It doesn't mean that when you click on the link, it asks you to sign right away.","start":537.75,"end":541.53,"sentiment":"neutral","sentiment_score":0.013166936552699874},{"text":"It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything.","start":541.91003,"end":549.69,"sentiment":"neutral","sentiment_score":0.09012152527769407}],"sentiment":"neutral","sentiment_score":0.040864486903883515,"num_words":100,"start":521.82,"end":549.69},{"sentences":[{"text":"Okay.","start":553.175,"end":553.495,"sentiment":"neutral","sentiment_score":0.17933043837547302},{"text":"Perfect.","start":553.495,"end":553.815,"sentiment":"positive","sentiment_score":0.4245055615901947},{"text":"So can you see the first document?","start":553.815,"end":555.415,"sentiment":"neutral","sentiment_score":0.19847397293363297},{"text":"It should say super and insurance summary.","start":555.415,"end":557.675,"sentiment":"neutral","sentiment_score":0.12081832758017949},{"text":"Yep.","start":558.935,"end":559.33496,"sentiment":"neutral","sentiment_score":0.1510673761367798}],"sentiment":"neutral","sentiment_score":0.17587938115877264,"num_words":17,"start":553.175,"end":559.33496},{"sentences":[{"text":"Perfect.","start":559.33496,"end":559.83496,"sentiment":"positive","sentiment_score":0.350283145904541},{"text":"Now you can see here that you do have your superannuation with Netwealth.","start":560.21497,"end":564.875,"sentiment":"neutral","sentiment_score":0.1953821354187452},{"text":"At the moment, you do have about $206,808 in there.","start":565.76,"end":571.77997,"sentiment":"neutral","sentiment_score":0.14439808577299118},{"text":"And then you also have your insurances with Zurich.","start":572.24,"end":575.77997,"sentiment":"neutral","sentiment_score":0.08871760881609386},{"text":"So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361.","start":576.96,"end":608.44,"sentiment":"neutral","sentiment_score":0.08908226835326506}],"sentiment":"neutral","sentiment_score":0.11488197879756198,"num_words":85,"start":559.33496,"end":608.44},{"sentences":[{"text":"Now when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base?","start":608.98,"end":619.315,"sentiment":"neutral","sentiment_score":0.008080900995992124},{"text":"And then, obviously, over time, depending on, obviously, different shifts and stuff.","start":619.315,"end":624.33,"sentiment":"neutral","sentiment_score":0.0007151898462325335},{"text":"Are you still doing are you still working as a midwife, or has any of that changed?","start":624.33,"end":628.67004,"sentiment":"neutral","sentiment_score":-0.006182117990272886},{"text":"Okay.","start":630.09,"end":630.59,"sentiment":"neutral","sentiment_score":0.023204447701573372},{"text":"Perfect.","start":630.65,"end":631.15,"sentiment":"neutral","sentiment_score":0.12295718491077424}],"sentiment":"neutral","sentiment_score":0.004428900524296544,"num_words":55,"start":608.98,"end":631.15},{"sentences":[{"text":"No.","start":631.29004,"end":631.61,"sentiment":"neutral","sentiment_score":-0.007850784808397293},{"text":"That's good.","start":631.61,"end":632.17004,"sentiment":"neutral","sentiment_score":0.1128455139696598},{"text":"The reason I do ask is, obviously, if your income is drastically changing at any point in time, just let me know if we do wanna revisit, obviously, that monthly amount just to make sure it's still kind of aligning with you.","start":632.17004,"end":644.955,"sentiment":"neutral","sentiment_score":0.023835028122578348},{"text":"Do you have any questions in regards to your insurances, or you happy with them?","start":646.215,"end":651.08,"sentiment":"neutral","sentiment_score":0.03722930153210958},{"text":"Do you wanna make any changes?","start":651.08,"end":652.45996,"sentiment":"neutral","sentiment_score":-0.004168720605472724}],"sentiment":"neutral","sentiment_score":0.026550585206485157,"num_words":66,"start":631.29004,"end":652.45996},{"sentences":[{"text":"No.","start":654.36,"end":654.86,"sentiment":"neutral","sentiment_score":-0.18694566190242767},{"text":"Yes.","start":655.08,"end":655.58,"sentiment":"neutral","sentiment_score":0.05088929831981659},{"text":"Great.","start":655.72,"end":656.2,"sentiment":"positive","sentiment_score":0.3541039228439331},{"text":"Perfect.","start":656.2,"end":656.7,"sentiment":"neutral","sentiment_score":0.2976105213165283},{"text":"Now the next document should be your network performance report.","start":657.16,"end":662.22,"sentiment":"neutral","sentiment_score":0.12689006477594375}],"sentiment":"neutral","sentiment_score":0.12746848059552057,"num_words":14,"start":654.36,"end":662.22},{"sentences":[{"text":"Yep.","start":663.695,"end":664.17505,"sentiment":"neutral","sentiment_score":0.045914094895124435},{"text":"Perfect.","start":664.17505,"end":664.67505,"sentiment":"neutral","sentiment_score":0.09571339190006256},{"text":"Now like I said here, this isn't really this is what it is currently.","start":664.895,"end":669.155,"sentiment":"neutral","sentiment_score":-0.19437578613204615},{"text":"That's not what you should be in.","start":669.695,"end":671.79504,"sentiment":"negative","sentiment_score":-0.3574649521282741},{"text":"So you can basically see on this one here all your different investments, how they have performed.","start":671.93506,"end":679.34,"sentiment":"neutral","sentiment_score":0.02618064999799518}],"sentiment":"neutral","sentiment_score":-0.11592042834963649,"num_words":40,"start":663.695,"end":679.34},{"sentences":[{"text":"And if you scroll down through page two, it says total portfolio performance.","start":679.96,"end":687.10004,"sentiment":"neutral","sentiment_score":0.021838674751611855},{"text":"Can you see that?","start":687.24,"end":688.38,"sentiment":"neutral","sentiment_score":0.022842259146273136},{"text":"Yes.","start":689.03503,"end":689.53503,"sentiment":"neutral","sentiment_score":0.06930242478847504},{"text":"And you can see here that if we didn't make any changes at all last year and remained the same, then what obviously would have happened in the last twelve months after fees is that you can see, like you said, as well, it has been a bit stagnant, and it has only grown by about 2.02% after fees.","start":689.675,"end":711.78,"sentiment":"neutral","sentiment_score":-0.09889512679586976},{"text":"But like I said, the good thing is that we did do advise last year and move you out of some of those investments that was underperforming, which was great, especially because it's before the drop, which is very good timing.","start":712.32,"end":725.345,"sentiment":"positive","sentiment_score":0.3509544784702906}],"sentiment":"neutral","sentiment_score":0.07626182516500102,"num_words":118,"start":679.96,"end":725.345},{"sentences":[{"text":"And like I said, we will completely investigate all of that for you.","start":725.645,"end":729.12,"sentiment":"neutral","sentiment_score":0.28006558005626386},{"text":"Yep.","start":730.56,"end":731.06,"sentiment":"neutral","sentiment_score":0.150251567363739},{"text":"Now if you can click on the next one for me, it should be your Vanguard index chart, I believe.","start":731.36,"end":737.22,"sentiment":"neutral","sentiment_score":0.11716277934610844},{"text":"Yep.","start":738.48,"end":738.8,"sentiment":"neutral","sentiment_score":0.18059973418712616},{"text":"Perfect.","start":738.8,"end":739.2,"sentiment":"positive","sentiment_score":0.4363511800765991}],"sentiment":"neutral","sentiment_score":0.18753640581336287,"num_words":36,"start":725.645,"end":739.2},{"sentences":[{"text":"And do you remember going through this last year as well?","start":739.2,"end":742.26,"sentiment":"neutral","sentiment_score":0.09173640405589883},{"text":"Yep.","start":744.745,"end":745.245,"sentiment":"neutral","sentiment_score":0.08932732790708542},{"text":"Yeah.","start":745.305,"end":745.805,"sentiment":"neutral","sentiment_score":0.0932098552584648},{"text":"Basically, every year, Vanguard does release a new one.","start":746.665,"end":750.02496,"sentiment":"neutral","sentiment_score":0.10168412493334876},{"text":"So the next one is due to come out anytime soon because they kind of do it at their financial year shift.","start":750.02496,"end":756.365,"sentiment":"neutral","sentiment_score":0.10731320912865075}],"sentiment":"neutral","sentiment_score":0.1015383034775203,"num_words":44,"start":739.2,"end":756.365},{"sentences":[{"text":"It is kind of a good way just to kind of look at things and basically see what we are talking about when we are talking about the market.","start":756.89996,"end":764.27997,"sentiment":"neutral","sentiment_score":0.16168963690770083},{"text":"Now you can kind of see here that it goes from 1995 through to 2025, and it shows you kind of all the ups and downs of the market.","start":764.82,"end":774.225,"sentiment":"neutral","sentiment_score":0.047986264115777506},{"text":"Now how this one is also good is it then breaks down the different asset classes and how they have moved.","start":775.245,"end":781.185,"sentiment":"neutral","sentiment_score":0.22831399525914872},{"text":"So referring back to that kind of growth portfolio for you, the 80% growth investment is a combination of your top four.","start":781.485,"end":791.7,"sentiment":"neutral","sentiment_score":0.11804008788683197},{"text":"So you'll have your US share, which is, like, your light green line, which you can see are the ones that that grow the most, but they also fluctuate.","start":792.0,"end":800.98004,"sentiment":"neutral","sentiment_score":0.07042863541122141}],"sentiment":"neutral","sentiment_score":0.11934236454275939,"num_words":130,"start":756.89996,"end":800.98004},{"sentences":[{"text":"You have Australian shares, which is, like, your darker green line, your international shares, which is, like, your yellow, and then your property, which is, like, your maroon color.","start":802.055,"end":813.435,"sentiment":"neutral","sentiment_score":0.09929164961494248},{"text":"So that's kind of, like, your your growth component.","start":813.735,"end":816.15497,"sentiment":"neutral","sentiment_score":0.10287512466311455},{"text":"And then that 20% of defensive is like those bottom three, which you can see are a bit more stable.","start":817.05,"end":823.52997,"sentiment":"neutral","sentiment_score":0.09936591554433108},{"text":"They don't grow as much, but they don't fluctuate too much either.","start":823.52997,"end":827.23,"sentiment":"neutral","sentiment_score":0.002385716885328293},{"text":"Does that all make sense?","start":827.29,"end":828.59,"sentiment":"neutral","sentiment_score":0.07683828547596931}],"sentiment":"neutral","sentiment_score":0.0827396306892236,"num_words":75,"start":802.055,"end":828.59},{"sentences":[{"text":"Yep.","start":829.545,"end":830.025,"sentiment":"neutral","sentiment_score":0.2636713981628418},{"text":"Perfect.","start":830.025,"end":830.525,"sentiment":"positive","sentiment_score":0.6687384247779846},{"text":"Now next document should be your Zurich certificate of currency if I'm correct.","start":831.065,"end":839.16504,"sentiment":"neutral","sentiment_score":0.25514111725183636},{"text":"Yep.","start":841.0,"end":841.24005,"sentiment":"neutral","sentiment_score":0.17372703552246094},{"text":"So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you.","start":841.24005,"end":850.7,"sentiment":"neutral","sentiment_score":0.2621737690642476}],"sentiment":"neutral","sentiment_score":0.2669277498498559,"num_words":48,"start":829.545,"end":850.7},{"sentences":[{"text":"Yep.","start":851.88,"end":852.36005,"sentiment":"neutral","sentiment_score":0.11378862708806992},{"text":"Perfect.","start":852.36005,"end":852.86005,"sentiment":"positive","sentiment_score":0.3493335545063019},{"text":"Now the next document will is that your ongoing service agreement with Netwealth?","start":853.605,"end":861.225,"sentiment":"neutral","sentiment_score":0.10130196637832202},{"text":"Please consent to ongoing fee.","start":863.125,"end":865.46497,"sentiment":"neutral","sentiment_score":0.02792002521455288},{"text":"Okay.","start":866.15,"end":866.63,"sentiment":"neutral","sentiment_score":0.1453419327735901}],"sentiment":"neutral","sentiment_score":0.09833284777899583,"num_words":21,"start":851.88,"end":866.63},{"sentences":[{"text":"Perfect.","start":866.63,"end":867.13,"sentiment":"neutral","sentiment_score":0.30232709646224976},{"text":"So the services guide is just an updated version.","start":867.43005,"end":871.69,"sentiment":"neutral","sentiment_score":0.18737322754330105},{"text":"It is one of that compliance forms, but it does tell you all the important information in regards to us here at.","start":872.31,"end":878.97003,"sentiment":"neutral","sentiment_score":0.20786742595109073},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is good, but then also a bit of update through marketing.","start":879.885,"end":889.74506,"sentiment":"neutral","sentiment_score":0.16001295273502666},{"text":"So if you do have a bit of a read over it, and I'll let you do that in your own time as well so I don't keep you here for for too long.","start":890.36505,"end":897.35004,"sentiment":"neutral","sentiment_score":0.15219285119982326}],"sentiment":"neutral","sentiment_score":0.17225744831375778,"num_words":96,"start":866.63,"end":897.35004},{"sentences":[{"text":"But it does kind of give you all the important information as you scroll through as well.","start":897.81,"end":902.53,"sentiment":"neutral","sentiment_score":0.27760090985718894},{"text":"You will see the directors and our advice team.","start":902.53,"end":905.35004,"sentiment":"neutral","sentiment_score":0.17978668212890625},{"text":"You'll also see myself there on page 10, I believe, if you do wanna put a face to the voice again.","start":906.05505,"end":912.715,"sentiment":"neutral","sentiment_score":0.1279527676247415},{"text":"Yep.","start":914.375,"end":914.875,"sentiment":"neutral","sentiment_score":0.245022714138031},{"text":"Perfect.","start":915.015,"end":915.515,"sentiment":"positive","sentiment_score":0.4403552114963531}],"sentiment":"neutral","sentiment_score":0.19815676841808824,"num_words":49,"start":897.81,"end":915.515},{"sentences":[{"text":"Now the next document, what is that one for you, Anne?","start":915.97504,"end":920.04,"sentiment":"neutral","sentiment_score":0.10729511353102597},{"text":"Yep.","start":927.07996,"end":927.57996,"sentiment":"neutral","sentiment_score":0.13400571048259735},{"text":"So that one is just kind of a smaller version of the other document.","start":927.63995,"end":931.89996,"sentiment":"neutral","sentiment_score":0.1689700803586415},{"text":"Again, just a compliance forms just breaks down the important information.","start":933.075,"end":937.255,"sentiment":"neutral","sentiment_score":0.24463942376050082},{"text":"Now I do also wanna let you know that none of the fee structure has changed.","start":938.755,"end":943.735,"sentiment":"neutral","sentiment_score":0.3274639565497637}],"sentiment":"neutral","sentiment_score":0.21906207642465267,"num_words":53,"start":915.97504,"end":943.735},{"sentences":[{"text":"So it's not increased or anything like that, which is good.","start":944.56,"end":947.19995,"sentiment":"positive","sentiment_score":0.42688598009673034},{"text":"It stays exactly the same at that 1.65 from superannuation for you.","start":947.19995,"end":952.81995,"sentiment":"positive","sentiment_score":0.3944191634654999},{"text":"Yep.","start":954.24,"end":954.74,"sentiment":"neutral","sentiment_score":0.12522780895233154},{"text":"Now next document.","start":956.0,"end":957.45996,"sentiment":"neutral","sentiment_score":0.06595588102936745},{"text":"Yep.","start":966.935,"end":967.41504,"sentiment":"neutral","sentiment_score":0.10841697454452516}],"sentiment":"positive","sentiment_score":0.35215314890124966,"num_words":28,"start":944.56,"end":967.41504},{"sentences":[{"text":"So this is the one with Netwealth.","start":967.41504,"end":970.075,"sentiment":"neutral","sentiment_score":0.10449384844728879},{"text":"And that is to say if you are happy obviously, that is to say that you are happy to stay on as a client.","start":970.97003,"end":977.63,"sentiment":"positive","sentiment_score":0.476161561285456},{"text":"Now like I said, no changes to the free structure, but I do also want to let you know that it is not a locking contract.","start":978.33,"end":985.39,"sentiment":"neutral","sentiment_score":0.004902928637770506},{"text":"So if at any point in time you are not happy, it is not a locked in contract.","start":985.895,"end":990.475,"sentiment":"neutral","sentiment_score":-0.04601569825576411},{"text":"It is something you have to sign every twelve months if you would like to stay on as a client, but that's not does not mean that you are locked in for twelve months because it does get deducted on a monthly basis for you.","start":990.935,"end":1001.79,"sentiment":"neutral","sentiment_score":0.07807713410713607}],"sentiment":"neutral","sentiment_score":0.1247666585065114,"num_words":120,"start":967.41504,"end":1001.79},{"sentences":[{"text":"Do you have any questions in regards to anything regards to the fee structure?","start":1003.70996,"end":1008.20996,"sentiment":"neutral","sentiment_score":0.018377500054027354},{"text":"Still make sense?","start":1014.605,"end":1015.505,"sentiment":"neutral","sentiment_score":0.02224966511130333},{"text":"Yep.","start":1015.725,"end":1016.125,"sentiment":"neutral","sentiment_score":0.14139685034751892},{"text":"Yep.","start":1016.125,"end":1016.445,"sentiment":"neutral","sentiment_score":0.24136081337928772},{"text":"Perfect.","start":1016.445,"end":1016.945,"sentiment":"positive","sentiment_score":0.5284355878829956}],"sentiment":"neutral","sentiment_score":0.06176136238500476,"num_words":20,"start":1003.70996,"end":1016.945},{"sentences":[{"text":"Now it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number.","start":1017.96497,"end":1037.23,"sentiment":"neutral","sentiment_score":0.25532961563736783},{"text":"It is another compliance form for you, Basically, just to say that we are keeping your tax file number secure and safe on file.","start":1037.77,"end":1046.385,"sentiment":"positive","sentiment_score":0.34893356015284854},{"text":"Yes.","start":1049.645,"end":1050.045,"sentiment":"neutral","sentiment_score":0.2335871458053589},{"text":"We do.","start":1050.045,"end":1050.685,"sentiment":"neutral","sentiment_score":0.295601487159729},{"text":"So you don't need to provide it or anything like that.","start":1050.685,"end":1052.925,"sentiment":"neutral","sentiment_score":0.23723307116465134}],"sentiment":"neutral","sentiment_score":0.2789951656641585,"num_words":89,"start":1017.96497,"end":1052.925},{"sentences":[{"text":"It is just literally a compliance form to say that we do have it, and we are keeping it secure and safe on file.","start":1052.925,"end":1059.73,"sentiment":"positive","sentiment_score":0.38267404461900395},{"text":"So it's not like you have to provide it or anything like that.","start":1059.73,"end":1062.55,"sentiment":"neutral","sentiment_score":0.08008554749763928},{"text":"Yep.","start":1063.89,"end":1064.39,"sentiment":"neutral","sentiment_score":0.048529889434576035},{"text":"Any questions?","start":1066.77,"end":1067.59,"sentiment":"neutral","sentiment_score":0.020929230377078056},{"text":"And that should be the last document.","start":1067.89,"end":1069.59,"sentiment":"neutral","sentiment_score":-0.03528119956276247}],"sentiment":"neutral","sentiment_score":0.21422785407605957,"num_words":47,"start":1052.925,"end":1069.59},{"sentences":[{"text":"Okay.","start":1071.725,"end":1072.125,"sentiment":"neutral","sentiment_score":0.323064923286438},{"text":"Beautiful.","start":1072.125,"end":1072.625,"sentiment":"positive","sentiment_score":0.5117883086204529},{"text":"Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all.","start":1073.085,"end":1087.07,"sentiment":"neutral","sentiment_score":0.14409078329801558},{"text":"So just kind of bear with me as I go through this just to make sure that's all still aligning for you.","start":1087.29,"end":1093.39,"sentiment":"neutral","sentiment_score":0.27933021702549676},{"text":"Now when it comes to your personal information, I have you down here as single with no financial dependents.","start":1094.17,"end":1101.765,"sentiment":"neutral","sentiment_score":0.11076195322369274}],"sentiment":"neutral","sentiment_score":0.17515198153353506,"num_words":93,"start":1071.725,"end":1101.765},{"sentences":[{"text":"Your daughters are a bit older.","start":1101.8251,"end":1103.185,"sentiment":"neutral","sentiment_score":0.007099734619259834},{"text":"Is that correct?","start":1103.185,"end":1104.005,"sentiment":"neutral","sentiment_score":0.07554847747087479},{"text":"Yep.","start":1105.425,"end":1105.8251,"sentiment":"neutral","sentiment_score":0.1938692331314087},{"text":"And next up, Kane, so in the event that something were to happen to you, I do have here Ashley nominated.","start":1105.8251,"end":1112.645,"sentiment":"neutral","sentiment_score":0.18548554253010524},{"text":"That's still the case as well.","start":1112.785,"end":1114.405,"sentiment":"neutral","sentiment_score":0.23409699151913324}],"sentiment":"neutral","sentiment_score":0.15575382204071894,"num_words":37,"start":1101.8251,"end":1114.405},{"sentences":[{"text":"I have for the beneficiary forms.","start":1119.05,"end":1121.61,"sentiment":"neutral","sentiment_score":0.11512234310309093},{"text":"I have both of them.","start":1121.61,"end":1122.5701,"sentiment":"neutral","sentiment_score":0.11201575994491578},{"text":"So that is if something were to happen, your super and your insurances will divide it and split fifty fifty between Ashley and Chelsea.","start":1122.5701,"end":1130.865,"sentiment":"neutral","sentiment_score":0.1265608100220561},{"text":"But for contact number, I only have an Ashley nominated.","start":1132.0449,"end":1135.985,"sentiment":"neutral","sentiment_score":0.06700896807014942},{"text":"Would you like to add Chelsea as well?","start":1136.0449,"end":1138.3049,"sentiment":"neutral","sentiment_score":0.09361827000975609}],"sentiment":"neutral","sentiment_score":0.10768505923871724,"num_words":53,"start":1119.05,"end":1138.3049},{"sentences":[{"text":"Yep.","start":1143.42,"end":1143.66,"sentiment":"neutral","sentiment_score":0.05980723351240158},{"text":"Okay.","start":1143.66,"end":1144.16,"sentiment":"neutral","sentiment_score":0.06343556195497513},{"text":"And I already have her name from the beneficiary forms.","start":1145.02,"end":1149.44,"sentiment":"neutral","sentiment_score":0.08315381854772567},{"text":"Just the best contact number for Chelsea?","start":1150.22,"end":1152.4,"sentiment":"neutral","sentiment_score":0.06523986426847321},{"text":"Yep.","start":1159.735,"end":1160.235,"sentiment":"neutral","sentiment_score":0.010426223278045654}],"sentiment":"neutral","sentiment_score":0.07109431270509958,"num_words":20,"start":1143.42,"end":1160.235},{"sentences":[{"text":"Two four four.","start":1161.095,"end":1162.135,"sentiment":"neutral","sentiment_score":0.009928735128293434},{"text":"Yep.","start":1162.135,"end":1162.635,"sentiment":"neutral","sentiment_score":0.01665017008781433},{"text":"823.","start":1164.87,"end":1165.85,"sentiment":"neutral","sentiment_score":0.025409311056137085},{"text":"Beautiful.","start":1165.91,"end":1166.41,"sentiment":"neutral","sentiment_score":0.30193501710891724},{"text":"And you said you have no preference on who to call.","start":1166.71,"end":1169.59,"sentiment":"neutral","sentiment_score":-0.11853508854454214}],"sentiment":"neutral","sentiment_score":-0.054712074726600855,"num_words":17,"start":1161.095,"end":1169.59},{"sentences":[{"text":"It's just whoever's available, essentially?","start":1169.59,"end":1171.85,"sentiment":"neutral","sentiment_score":-0.0855957604944706},{"text":"Yeah.","start":1172.55,"end":1172.87,"sentiment":"neutral","sentiment_score":-0.09398996829986572},{"text":"Okay.","start":1172.87,"end":1173.27,"sentiment":"neutral","sentiment_score":0.08974015712738037},{"text":"Good.","start":1173.27,"end":1173.77,"sentiment":"neutral","sentiment_score":0.3198188841342926},{"text":"Great.","start":1173.83,"end":1174.33,"sentiment":"positive","sentiment_score":0.4153221845626831}],"sentiment":"neutral","sentiment_score":0.03365693945023748,"num_words":9,"start":1169.59,"end":1174.33},{"sentences":[{"text":"Now we've already touched on employment and everything.","start":1175.99,"end":1181.015,"sentiment":"neutral","sentiment_score":0.20096838846802711},{"text":"Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed.","start":1181.9551,"end":1187.8151,"sentiment":"neutral","sentiment_score":0.08657919282191678},{"text":"But I have here that last time, your property was valued at about 650,000.","start":1188.1951,"end":1193.255,"sentiment":"neutral","sentiment_score":0.009748250778232301},{"text":"Is that still the case?","start":1193.3151,"end":1194.7,"sentiment":"neutral","sentiment_score":0.02946215569972992},{"text":"Do you know, or has that gone up a little bit?","start":1194.7,"end":1196.96,"sentiment":"neutral","sentiment_score":-0.025790082629431377}],"sentiment":"neutral","sentiment_score":0.05706749389176829,"num_words":57,"start":1175.99,"end":1196.96},{"sentences":[{"text":"Mhmm.","start":1210.475,"end":1210.975,"sentiment":"neutral","sentiment_score":-0.014658743515610697},{"text":"Yeah.","start":1214.395,"end":1214.895,"sentiment":"neutral","sentiment_score":0.010650217533111572},{"text":"And that's right.","start":1215.2749,"end":1215.755,"sentiment":"neutral","sentiment_score":0.019398545225461323},{"text":"Because the they do have changed also.","start":1215.755,"end":1217.0349,"sentiment":"neutral","sentiment_score":-0.10621037014893123},{"text":"And most of the time, unless you've had a recent evaluation, it is a little bit tricky.","start":1217.0349,"end":1220.575,"sentiment":"neutral","sentiment_score":-0.20044954997651718}],"sentiment":"neutral","sentiment_score":-0.14127337348101468,"num_words":29,"start":1210.475,"end":1220.575},{"sentences":[{"text":"And often people use exactly like that.","start":1220.69,"end":1222.77,"sentiment":"neutral","sentiment_score":-0.06437159276434354},{"text":"They'll check what's what's in the area or even sometimes on real estate.","start":1222.77,"end":1226.39,"sentiment":"neutral","sentiment_score":-0.03391191263038378},{"text":"It will tell you, like, a a rough guide, but $7.50 is perfect.","start":1226.61,"end":1230.77,"sentiment":"neutral","sentiment_score":0.11333108850969718},{"text":"So I will just update that.","start":1230.77,"end":1232.71,"sentiment":"neutral","sentiment_score":0.17646603534619013},{"text":"Now mortgage, I have around 511,000.","start":1233.09,"end":1237.195,"sentiment":"neutral","sentiment_score":-0.0015097089732686675}],"sentiment":"neutral","sentiment_score":0.03625746878484885,"num_words":45,"start":1220.69,"end":1237.195},{"sentences":[{"text":"Okay.","start":1247.51,"end":1247.83,"sentiment":"neutral","sentiment_score":0.11414307355880736},{"text":"Yep.","start":1247.83,"end":1248.31,"sentiment":"neutral","sentiment_score":0.25999143719673157},{"text":"Perfect.","start":1248.31,"end":1248.81,"sentiment":"positive","sentiment_score":0.5882830619812012},{"text":"So 75.","start":1249.11,"end":1250.49,"sentiment":"positive","sentiment_score":0.39854682981967926},{"text":"Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house.","start":1251.67,"end":1259.05,"sentiment":"positive","sentiment_score":0.3499161336691149}],"sentiment":"positive","sentiment_score":0.35019198266996276,"num_words":36,"start":1247.51,"end":1259.05},{"sentences":[{"text":"So you've obviously done that, but you're still kind of working through it.","start":1259.11,"end":1263.015,"sentiment":"neutral","sentiment_score":0.09744780138134956},{"text":"Yeah.","start":1271.3151,"end":1271.8151,"sentiment":"neutral","sentiment_score":0.15986889600753784},{"text":"Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which which I'm sure will be nice.","start":1271.9551,"end":1280.37,"sentiment":"positive","sentiment_score":0.3369973278045654},{"text":"Do you know do you know how long it's estimated to take the renovations at all, or is it about hard to say?","start":1281.0701,"end":1286.85,"sentiment":"neutral","sentiment_score":-0.0205136067841364},{"text":"Oh, yeah.","start":1292.4451,"end":1293.105,"sentiment":"neutral","sentiment_score":-0.020923908799886703}],"sentiment":"neutral","sentiment_score":0.1459056677413173,"num_words":64,"start":1259.11,"end":1293.105},{"sentences":[{"text":"Yes.","start":1302.78,"end":1303.1001,"sentiment":"neutral","sentiment_score":0.06820367276668549},{"text":"Oh, beautiful.","start":1303.1001,"end":1303.66,"sentiment":"neutral","sentiment_score":0.19623170793056488},{"text":"Are you doing anything yourself, or are you kind of outsourcing most of it?","start":1303.66,"end":1306.9601,"sentiment":"neutral","sentiment_score":0.004665811413100788},{"text":"Yeah.","start":1312.235,"end":1312.6349,"sentiment":"neutral","sentiment_score":-0.00012607313692569733},{"text":"Oh, that's really good.","start":1312.6349,"end":1313.855,"sentiment":"neutral","sentiment_score":0.14265858475118876}],"sentiment":"neutral","sentiment_score":0.04984075973995707,"num_words":22,"start":1302.78,"end":1313.855},{"sentences":[{"text":"I wish I could.","start":1314.955,"end":1316.0149,"sentiment":"neutral","sentiment_score":-0.06638501584529877},{"text":"Definitely can't.","start":1316.235,"end":1317.375,"sentiment":"neutral","sentiment_score":-0.23142017424106598},{"text":"Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation.","start":1319.595,"end":1327.84,"sentiment":"neutral","sentiment_score":-0.01557964807295281},{"text":"Is that have you and did you end up using that, or do you still have some sitting in an offset account?","start":1329.9,"end":1335.04,"sentiment":"neutral","sentiment_score":-0.008310894312506372},{"text":"Yep.","start":1341.035,"end":1341.535,"sentiment":"neutral","sentiment_score":0.041684266179800034}],"sentiment":"neutral","sentiment_score":-0.023612840889165036,"num_words":52,"start":1314.955,"end":1341.535},{"sentences":[{"text":"Yep.","start":1346.235,"end":1346.555,"sentiment":"neutral","sentiment_score":0.04966806620359421},{"text":"Okay.","start":1346.555,"end":1346.9551,"sentiment":"neutral","sentiment_score":0.0958145335316658},{"text":"Perfect.","start":1346.9551,"end":1347.4551,"sentiment":"neutral","sentiment_score":0.19215837121009827},{"text":"Yep.","start":1349.8501,"end":1350.3501,"sentiment":"neutral","sentiment_score":0.05203548073768616},{"text":"Yep.","start":1362.1051,"end":1362.6051,"sentiment":"neutral","sentiment_score":-0.17357635498046875}],"sentiment":"neutral","sentiment_score":0.043220019340515135,"num_words":5,"start":1346.235,"end":1362.6051},{"sentences":[{"text":"At least, hopefully, if you do it a little bit gradually, though, it's not, hopefully, as as big of a lump sum at one time, and it's kind of a little bit slower eventually.","start":1363.385,"end":1373.7251,"sentiment":"neutral","sentiment_score":-0.20696797462947228},{"text":"Yep.","start":1386.88,"end":1387.335,"sentiment":"neutral","sentiment_score":0.021620003506541252},{"text":"I am.","start":1393.815,"end":1398.375,"sentiment":"neutral","sentiment_score":-0.05687950924038887},{"text":"Okay.","start":1398.375,"end":1398.875,"sentiment":"neutral","sentiment_score":0.05780632793903351},{"text":"Yep.","start":1402.15,"end":1402.5499,"sentiment":"neutral","sentiment_score":0.12058408558368684}],"sentiment":"neutral","sentiment_score":-0.17822204458598906,"num_words":39,"start":1363.385,"end":1402.5499},{"sentences":[{"text":"Yeah.","start":1402.5499,"end":1403.0499,"sentiment":"neutral","sentiment_score":0.12245900928974152},{"text":"Oh, that was exciting.","start":1403.35,"end":1404.41,"sentiment":"neutral","sentiment_score":0.25670045614242554},{"text":"Yes.","start":1407.03,"end":1407.53,"sentiment":"neutral","sentiment_score":0.2490176558494568},{"text":"But, hopefully, it pays off in the end, and, yeah, the the equity will will go up for you.","start":1407.59,"end":1412.41,"sentiment":"positive","sentiment_score":0.4717025435284564},{"text":"Yeah.","start":1414.725,"end":1415.125,"sentiment":"neutral","sentiment_score":0.30967873334884644}],"sentiment":"positive","sentiment_score":0.41039636731147766,"num_words":26,"start":1402.5499,"end":1415.125},{"sentences":[{"text":"Yes.","start":1415.125,"end":1415.625,"sentiment":"positive","sentiment_score":0.34291887283325195},{"text":"Especially if you're doing it yourself, it's obviously a bit more cost effective as well.","start":1415.6849,"end":1419.3049,"sentiment":"neutral","sentiment_score":0.3292556603749593},{"text":"Oh, that's good.","start":1430.5,"end":1431.32,"sentiment":"positive","sentiment_score":0.3464350700378418},{"text":"Yeah.","start":1432.34,"end":1432.84,"sentiment":"neutral","sentiment_score":0.09427568316459656},{"text":"Now and I also have here a motor vehicle of about 50,000.","start":1433.5399,"end":1437.38,"sentiment":"neutral","sentiment_score":0.06638434032599132}],"sentiment":"neutral","sentiment_score":0.22537333611398935,"num_words":32,"start":1415.125,"end":1437.38},{"sentences":[{"text":"Is that still the case as well?","start":1437.38,"end":1439.08,"sentiment":"neutral","sentiment_score":0.060289650091103146},{"text":"Yep.","start":1440.2849,"end":1440.765,"sentiment":"neutral","sentiment_score":0.05114161595702171},{"text":"Yep.","start":1440.765,"end":1441.1649,"sentiment":"neutral","sentiment_score":0.1199554204940796},{"text":"Perfect.","start":1441.1649,"end":1441.645,"sentiment":"neutral","sentiment_score":0.32855185866355896},{"text":"And you didn't have anything owing on that one?","start":1441.645,"end":1443.6649,"sentiment":"neutral","sentiment_score":0.05654605519440439}],"sentiment":"neutral","sentiment_score":0.07529426013168536,"num_words":19,"start":1437.38,"end":1443.6649},{"sentences":[{"text":"No.","start":1445.085,"end":1445.485,"sentiment":"neutral","sentiment_score":0.04805930703878403},{"text":"Great.","start":1445.485,"end":1445.985,"sentiment":"neutral","sentiment_score":0.3040868043899536},{"text":"I also have a credit card of about $2,000.","start":1446.765,"end":1449.9049,"sentiment":"neutral","sentiment_score":0.12617499381303787},{"text":"Yeah.","start":1455.5,"end":1455.74,"sentiment":"neutral","sentiment_score":0.058393560349941254},{"text":"Is that card more for, like, points and stuff and you pay it off each month?","start":1455.74,"end":1458.96,"sentiment":"neutral","sentiment_score":0.06567188492044806}],"sentiment":"neutral","sentiment_score":0.0927451705293996,"num_words":28,"start":1445.085,"end":1458.96},{"sentences":[{"text":"Okay.","start":1460.22,"end":1460.5399,"sentiment":"neutral","sentiment_score":0.03437969088554382},{"text":"Yeah.","start":1460.5399,"end":1460.78,"sentiment":"neutral","sentiment_score":0.010321222245693209},{"text":"No.","start":1460.78,"end":1461.02,"sentiment":"neutral","sentiment_score":-0.062481846660375595},{"text":"I'll just remove that back.","start":1461.02,"end":1462.22,"sentiment":"neutral","sentiment_score":-0.0811009168624878},{"text":"It's not especially if you do clear it all the time.","start":1462.22,"end":1465.0399,"sentiment":"neutral","sentiment_score":-0.04060081544924866}],"sentiment":"neutral","sentiment_score":-0.04578392040964804,"num_words":19,"start":1460.22,"end":1465.0399},{"sentences":[{"text":"Any other assets that's changed at all?","start":1466.325,"end":1468.725,"sentiment":"neutral","sentiment_score":0.015608043542930059},{"text":"Any motorbikes or boats or anything else?","start":1468.725,"end":1472.825,"sentiment":"neutral","sentiment_score":0.04295282571443489},{"text":"Nope.","start":1473.285,"end":1473.785,"sentiment":"neutral","sentiment_score":-0.2609679102897644},{"text":"Nope.","start":1474.565,"end":1474.965,"sentiment":"neutral","sentiment_score":-0.07107880711555481},{"text":"Perfect.","start":1474.965,"end":1475.465,"sentiment":"positive","sentiment_score":0.3867359757423401}],"sentiment":"neutral","sentiment_score":0.02733031430226915,"num_words":17,"start":1466.325,"end":1475.465},{"sentences":[{"text":"And health and lifestyle wise, still a nonsmoker?","start":1476.405,"end":1481.17,"sentiment":"neutral","sentiment_score":0.1272491216659546},{"text":"Yep.","start":1483.31,"end":1483.79,"sentiment":"neutral","sentiment_score":0.07569559663534164},{"text":"And have you had any changes, significant health issues, or injuries, or anything in the last twelve months?","start":1483.79,"end":1489.97,"sentiment":"neutral","sentiment_score":0.006308007933613326},{"text":"No.","start":1491.3251,"end":1491.8251,"sentiment":"neutral","sentiment_score":-0.13349691033363342},{"text":"Yeah.","start":1492.765,"end":1493.245,"sentiment":"neutral","sentiment_score":0.17292721569538116}],"sentiment":"neutral","sentiment_score":0.04298837993550917,"num_words":29,"start":1476.405,"end":1493.245},{"sentences":[{"text":"Great.","start":1493.245,"end":1493.745,"sentiment":"positive","sentiment_score":0.5728137493133545},{"text":"And estate planning, we've already touched on your beneficiaries, which is all, up to date.","start":1495.165,"end":1500.385,"sentiment":"positive","sentiment_score":0.39847779472668965},{"text":"I do also have here that last time we spoke, you were on the to do list anyway to have a look at a will.","start":1500.8451,"end":1507.9199,"sentiment":"neutral","sentiment_score":0.1216264009475708},{"text":"Did you end up having a look at that, or is that still kind of on the cards?","start":1507.9199,"end":1512.5,"sentiment":"neutral","sentiment_score":0.047381471635566816},{"text":"Yep.","start":1526.055,"end":1526.295,"sentiment":"neutral","sentiment_score":0.02655484341084957}],"sentiment":"neutral","sentiment_score":0.1745010337792337,"num_words":60,"start":1493.245,"end":1526.295},{"sentences":[{"text":"Yeah.","start":1526.295,"end":1526.6951,"sentiment":"neutral","sentiment_score":0.07161475718021393},{"text":"And and to be fair, most people are the same.","start":1526.6951,"end":1529.515,"sentiment":"neutral","sentiment_score":0.09669801816344262},{"text":"I do always say it is good to consider.","start":1530.24,"end":1532.74,"sentiment":"neutral","sentiment_score":0.32200484143363106},{"text":"Obviously, it's always good.","start":1532.88,"end":1533.92,"sentiment":"positive","sentiment_score":0.4727840796113014},{"text":"I always tell everyone that you should have a will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible.","start":1533.92,"end":1550.5549,"sentiment":"positive","sentiment_score":0.3608501916346343}],"sentiment":"neutral","sentiment_score":0.32038405207651,"num_words":70,"start":1526.295,"end":1550.5549},{"sentences":[{"text":"But, obviously, the choice is completely up to you, and you can obviously go through a lawyer, which is the most comprehensive way.","start":1551.095,"end":1557.835,"sentiment":"neutral","sentiment_score":0.16463583124720532},{"text":"But also understand that, obviously, it's more expensive.","start":1558.01,"end":1560.75,"sentiment":"neutral","sentiment_score":-0.12301916349679232},{"text":"Even just like a little bill kit for the post office is better than nothing.","start":1561.29,"end":1564.91,"sentiment":"neutral","sentiment_score":-0.013213720917701722},{"text":"Just, obviously, if you do end up doing that, just make sure you read it carefully and complete it correctly.","start":1566.65,"end":1571.625,"sentiment":"neutral","sentiment_score":0.16467478089034557},{"text":"So if something were to happen, it does hold up in court as well.","start":1571.625,"end":1575.085,"sentiment":"neutral","sentiment_score":0.1095795924110072}],"sentiment":"neutral","sentiment_score":0.09289843635633588,"num_words":80,"start":1551.095,"end":1575.085},{"sentences":[{"text":"Yep.","start":1576.345,"end":1576.745,"sentiment":"neutral","sentiment_score":0.2353571653366089},{"text":"Perfect.","start":1576.745,"end":1577.245,"sentiment":"positive","sentiment_score":0.4120475947856903},{"text":"Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay.","start":1578.2649,"end":1587.2,"sentiment":"neutral","sentiment_score":0.1403264943510294},{"text":"Well, what happened the last twelve months?","start":1587.2,"end":1588.8,"sentiment":"neutral","sentiment_score":0.03557132024850164},{"text":"Have any of your goals changed?","start":1588.8,"end":1590.42,"sentiment":"neutral","sentiment_score":0.047221110512812935}],"sentiment":"neutral","sentiment_score":0.1235052807087248,"num_words":55,"start":1576.345,"end":1590.42},{"sentences":[{"text":"It seems like it's pretty similar.","start":1591.36,"end":1593.28,"sentiment":"neutral","sentiment_score":0.0753744204218189},{"text":"Obviously, finish off the renovations, and then making sure your super is on track for retirement.","start":1593.28,"end":1602.055,"sentiment":"neutral","sentiment_score":0.23341654799878597},{"text":"Is it also kind of focusing on paying down the mortgage?","start":1602.055,"end":1605.515,"sentiment":"neutral","sentiment_score":0.07013461874289946},{"text":"Is that also kind of a side goal for you?","start":1605.735,"end":1609.735,"sentiment":"neutral","sentiment_score":0.07873587571084499},{"text":"Yeah.","start":1609.735,"end":1609.975,"sentiment":"neutral","sentiment_score":0.13585570454597473}],"sentiment":"neutral","sentiment_score":0.13367287632585925,"num_words":44,"start":1591.36,"end":1609.975},{"sentences":[{"text":"Okay.","start":1609.975,"end":1610.375,"sentiment":"neutral","sentiment_score":0.19692954421043396},{"text":"Perfect.","start":1610.375,"end":1610.875,"sentiment":"positive","sentiment_score":0.704864501953125},{"text":"Anything else that you are working towards that you are wanting to achieve at all?","start":1611.39,"end":1615.41,"sentiment":"positive","sentiment_score":0.37936060229937235},{"text":"Yep.","start":1624.925,"end":1625.425,"sentiment":"neutral","sentiment_score":0.27855777740478516},{"text":"Perfect.","start":1627.245,"end":1627.745,"sentiment":"positive","sentiment_score":0.667805552482605}],"sentiment":"positive","sentiment_score":0.39676665318639653,"num_words":19,"start":1609.975,"end":1627.745},{"sentences":[{"text":"Yeah.","start":1631.7251,"end":1632.2251,"sentiment":"positive","sentiment_score":0.4330893158912658},{"text":"Oh, that's that's good.","start":1632.365,"end":1633.5851,"sentiment":"positive","sentiment_score":0.6823996603488922},{"text":"And now that was essentially everything that I needed to go through with you, Anne.","start":1635.7001,"end":1641.16,"sentiment":"positive","sentiment_score":0.3818669637044271},{"text":"Do you have any questions or anything for me while you do have me on the phone?","start":1641.54,"end":1646.2001,"sentiment":"neutral","sentiment_score":0.06518941591767703},{"text":"Yes.","start":1652.435,"end":1652.935,"sentiment":"neutral","sentiment_score":0.04272603243589401}],"sentiment":"neutral","sentiment_score":0.26425364515499067,"num_words":38,"start":1631.7251,"end":1652.935},{"sentences":[{"text":"Yes.","start":1656.3551,"end":1656.8551,"sentiment":"neutral","sentiment_score":0.08217282593250275},{"text":"Yes.","start":1666.61,"end":1667.11,"sentiment":"neutral","sentiment_score":0.18059615790843964},{"text":"Definitely do.","start":1667.25,"end":1668.47,"sentiment":"neutral","sentiment_score":0.31520015001296997},{"text":"Now the letter will come from our head of advice, Larissa, but I will also be informed of the outcome as well so that I know.","start":1668.5299,"end":1678.095,"sentiment":"neutral","sentiment_score":0.245502895460679},{"text":"If you do have any, like, questions or anything when you get it or any concerns or anything like that, just please give me a call, and I'm more than happy to go through it.","start":1679.355,"end":1690.7899,"sentiment":"neutral","sentiment_score":0.2761056016598429}],"sentiment":"neutral","sentiment_score":0.2606144711375237,"num_words":65,"start":1656.3551,"end":1690.7899},{"sentences":[{"text":"But I'll keep a lookout on that.","start":1690.7899,"end":1692.41,"sentiment":"neutral","sentiment_score":0.2580143596444811},{"text":"And like I said, I have passed it on, and they are kind of working through it at the moment for you.","start":1692.87,"end":1697.21,"sentiment":"neutral","sentiment_score":0.1684881096536463},{"text":"Yep.","start":1698.47,"end":1698.97,"sentiment":"neutral","sentiment_score":0.30565890669822693},{"text":"Perfect.","start":1699.03,"end":1699.53,"sentiment":"positive","sentiment_score":0.5016394853591919},{"text":"If there is anything else you need, though, irrespective of that conciliation, if there's anything else that you needed at any point in time, don't hesitate to give me a call or send me an email.","start":1700.765,"end":1710.525,"sentiment":"neutral","sentiment_score":0.20111779185632864}],"sentiment":"neutral","sentiment_score":0.2023936989369677,"num_words":67,"start":1690.7899,"end":1710.525},{"sentences":[{"text":"I'm always here if you need anything.","start":1710.525,"end":1712.145,"sentiment":"positive","sentiment_score":0.34027455534253803},{"text":"Yep.","start":1713.74,"end":1714.24,"sentiment":"neutral","sentiment_score":0.23475591838359833},{"text":"No worries at all.","start":1715.34,"end":1716.0599,"sentiment":"neutral","sentiment_score":0.23301246017217636},{"text":"Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day.","start":1716.0599,"end":1721.12,"sentiment":"positive","sentiment_score":0.832240274974278},{"text":"And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with those investments.","start":1721.1799,"end":1728.6399,"sentiment":"positive","sentiment_score":0.3756889447017952}],"sentiment":"positive","sentiment_score":0.5194895821313064,"num_words":60,"start":1710.525,"end":1728.6399},{"sentences":[{"text":"Yep.","start":1730.1089,"end":1730.6089,"sentiment":"positive","sentiment_score":0.3567196726799011},{"text":"No problem.","start":1730.9089,"end":1731.6289,"sentiment":"positive","sentiment_score":0.36785970628261566},{"text":"We'll speak soon.","start":1731.6289,"end":1732.449,"sentiment":"positive","sentiment_score":0.34054620067278546},{"text":"Okay.","start":1733.789,"end":1734.289,"sentiment":"neutral","sentiment_score":0.15406228601932526},{"text":"Bye.","start":1734.429,"end":1734.929,"sentiment":"neutral","sentiment_score":0.15984706580638883}],"sentiment":"neutral","sentiment_score":0.30349837988615036,"num_words":8,"start":1730.1089,"end":1734.929}]}}]},{"alternatives":[{"transcript":"Hello? Anne speaking. Good. Thank you. How are you? Yes. It is. But can you just speak up? You're very, very quiet. It's it's fine. It it it is very quiet, but I can't I can't hear you. Yep. No worries. Yep. Anne Margaret Donald. Twenty third of the tenth nineteen seventy one. 10 Mount Toms Road, Lobethal. Oh, you're nothing too dramatic. I had a day off today. I I suppose I probably only have one concern and and there's probably nothing that you can do about it. I just feel like I'm not like, my my sleep is not growing at all. You know? So I'm just wondering, is there anything that we can do to help that along? Yes. Mhmm. Right. Okay. Cool. Yep. Yep. Mhmm. Yeah. Sure. Yep. No. I suppose until you actually, sort of go through that reconciliation process. It's a bit hard to know exactly where I stand. So yeah. Okay. Sure. Yep. Okay. Yes. I probably couldn't, like, rattle it off the top of my head, but I I know but I just want solid growth, but I don't wanna, like, risk everything. Yeah. Yep. Yes. Sure. Yes. No. I mean, I'm not anticipating that I'd be able to retire any earlier than that, to be honest. Unless, you know, something dramatically changes in my favor. I can't see that that would be happening. Yeah. Yep. Sure. Okay. Well, I've I've I've linked it. Yep. Yep. Mhmm. Yep. Yeah. Then nothing's changed. Sure. No. No changes at this stage. Yep. Yep. Yep. Sure. Yep. Yes. Certainly. Yes. Okay. Yes. Yes. Yep. Yep. Yep. No. It's the services guide. So it is financial financial services card. So and last phase consent renewal. Okay. No. No. I don't think I think that's pretty straightforward. You not have my tax phone number on record? Yep. Sure. No. That's all. Yeah. That's all done. Correct. It should have two nominees, Ashley and Chelsea. Yep. Yeah. You can put her as as so it could go either way. Yep. It is 044904 4 823. No. I'm not yet. That's wrong. I think I suppose it depends on how official you want it, but I feel like the main property value has gone up to about $7.50 here. So I thought you could probably update that. Yeah. Yeah. Yeah. So I've actually refinanced and and I've taken out some extra money to do some work around the house. So it's actually $5.75. Now? Yep. Yeah. Well, I I it yeah. It's it's in in the process of planning and etcetera, you know, all the fun and games of project managing. Yeah. Eventually, yes. I'm hoping everything will be finished by the end of twenty twenty seven. So a bit of a slow slog, but I'm I'm wanting everything sort of all well and truly done by the end of next year. The majority of I'm doing myself. It's only the stuff that I can't do that I'm outsourcing. Yep. I still have it sitting in the offset account. I think I'm I've got about a 120 or something sitting there. But that will probably the majority of that will use up by the end of the year for the big stuff that's about to happen. So having a a couple of sort of verandas and a carport built. So it's just that sort of big stuff that will will suck up all my money. Yeah. Well, all of the big stuff will be done by the end of this year, I think. And then next year, it'll just be more sort of decorating rather than the expensive stuff. So although the one big the final expense that is will be I need to redo the bathroom. So that will be my final push at the end of next year. That's the last thing I wanna do. I wanna try and get everything else organized first. So yeah. It's all expensive stuff. Oh, absolutely. It'll all be worth it in the end. Yeah. Yeah. So the I suppose there's lots of stuff that I can do that helps save a little bit of money here and there, which is good. Yeah. Yep. Then no. Yeah. I just have a that's just my rolling account. That's just what I use. Yeah. Yep. Yep. No. Nothing's changed. Correct. No. Nothing. Nothing's changed. It's something that I've never it's it's not it it I still haven't done it. So I don't really know. I don't know. Yeah. It just hasn't been high on my priority list, unfortunately. Yep. Yes. Yeah. Sure. Yes. Absolutely. Yeah. No. At this stage, that's my main priority is the renovations and paying down the mortgage as soon as I can. Yep. So I would like to go into retirement with no mortgage. That's my plan. Yep. No. I think I just need to wait for you. Like, we were talking about that conciliation reconciliation about the whole investment side of things. So wait until all of that comes through. And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know? Yep. Okay. No problem. Okay. No problem. That's fine. Thank you. Okay. Thanks, Veronica. Okay. Thank you. Bye bye. 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Anne speaking. Good. Thank you. How are you?\n\nYes. It is. But can you just speak up? You're very, very quiet. It's it's fine.\n\nIt it it is very quiet, but I can't I can't hear you. Yep. No worries. Yep. Anne Margaret Donald.\n\nTwenty third of the tenth nineteen seventy one. 10 Mount Toms Road, Lobethal. Oh, you're nothing too dramatic. I had a day off today. I I suppose I probably only have one concern and and there's probably nothing that you can do about it.\n\nI just feel like I'm not like, my my sleep is not growing at all. You know? So I'm just wondering, is there anything that we can do to help that along? Yes. Mhmm.\n\nRight. Okay. Cool. Yep. Yep.\n\nMhmm. Yeah. Sure. Yep. No.\n\nI suppose until you actually, sort of go through that reconciliation process. It's a bit hard to know exactly where I stand. So yeah. Okay. Sure.\n\nYep. Okay. Yes. I probably couldn't, like, rattle it off the top of my head, but I I know but I just want solid growth, but I don't wanna, like, risk everything. Yeah.\n\nYep. Yes. Sure. Yes. No.\n\nI mean, I'm not anticipating that I'd be able to retire any earlier than that, to be honest. Unless, you know, something dramatically changes in my favor. I can't see that that would be happening. Yeah. Yep.\n\nSure. Okay. Well, I've I've I've linked it. Yep. Yep.\n\nMhmm. Yep. Yeah. Then nothing's changed. Sure.\n\nNo. No changes at this stage. Yep. Yep. Yep.\n\nSure. Yep. Yes. Certainly. Yes.\n\nOkay. Yes. Yes. Yep. Yep.\n\nYep. No. It's the services guide. So it is financial financial services card. So and last phase consent renewal.\n\nOkay. No. No. I don't think I think that's pretty straightforward. You not have my tax phone number on record?\n\nYep. Sure. No. That's all. Yeah.\n\nThat's all done. Correct. It should have two nominees, Ashley and Chelsea. Yep. Yeah.\n\nYou can put her as as so it could go either way. Yep. It is 044904 4 823. No. I'm not yet.\n\nThat's wrong. I think I suppose it depends on how official you want it, but I feel like the main property value has gone up to about $7.50 here. So I thought you could probably update that. Yeah. Yeah.\n\nYeah. So I've actually refinanced and and I've taken out some extra money to do some work around the house. So it's actually $5.75. Now? Yep.\n\nYeah. Well, I I it yeah. It's it's in in the process of planning and etcetera, you know, all the fun and games of project managing. Yeah. Eventually, yes.\n\nI'm hoping everything will be finished by the end of twenty twenty seven. So a bit of a slow slog, but I'm I'm wanting everything sort of all well and truly done by the end of next year. The majority of I'm doing myself. It's only the stuff that I can't do that I'm outsourcing. Yep.\n\nI still have it sitting in the offset account. I think I'm I've got about a 120 or something sitting there. But that will probably the majority of that will use up by the end of the year for the big stuff that's about to happen. So having a a couple of sort of verandas and a carport built. So it's just that sort of big stuff that will will suck up all my money.\n\nYeah. Well, all of the big stuff will be done by the end of this year, I think. And then next year, it'll just be more sort of decorating rather than the expensive stuff. So although the one big the final expense that is will be I need to redo the bathroom. So that will be my final push at the end of next year.\n\nThat's the last thing I wanna do. I wanna try and get everything else organized first. So yeah. It's all expensive stuff. Oh, absolutely.\n\nIt'll all be worth it in the end. Yeah. Yeah. So the I suppose there's lots of stuff that I can do that helps save a little bit of money here and there, which is good. Yeah.\n\nYep. Then no. Yeah. I just have a that's just my rolling account. That's just what I use.\n\nYeah. Yep. Yep. No. Nothing's changed.\n\nCorrect. No. Nothing. Nothing's changed. It's something that I've never it's it's not it it I still haven't done it.\n\nSo I don't really know. I don't know. Yeah. It just hasn't been high on my priority list, unfortunately. Yep.\n\nYes. Yeah. Sure. Yes. Absolutely.\n\nYeah. No. At this stage, that's my main priority is the renovations and paying down the mortgage as soon as I can. Yep. So I would like to go into retirement with no mortgage.\n\nThat's my plan. Yep. No. I think I just need to wait for you. Like, we were talking about that conciliation reconciliation about the whole investment side of things.\n\nSo wait until all of that comes through. And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know? Yep. Okay. No problem.\n\nOkay. No problem. That's fine. Thank you. Okay.\n\nThanks, Veronica. Okay. Thank you. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.02235427498817444},{"text":"Anne speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.04413844458758831},{"text":"Good.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.550915539264679},{"text":"Thank you.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.6218468248844147},{"text":"How are you?","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.3611770272254944}],"sentiment":"neutral","sentiment_score":0.3320857149859269,"num_words":9,"start":0.88,"end":8.26},{"sentences":[{"text":"Yes.","start":15.759999,"end":15.975,"sentiment":"neutral","sentiment_score":0.11751268804073334},{"text":"It is.","start":16.055,"end":16.455,"sentiment":"neutral","sentiment_score":0.10653449967503548},{"text":"But can you just speak up?","start":16.455,"end":17.815,"sentiment":"neutral","sentiment_score":-0.0013064991993208723},{"text":"You're very, very quiet.","start":17.815,"end":18.955,"sentiment":"neutral","sentiment_score":-0.32604195177555084},{"text":"It's it's fine.","start":32.89,"end":33.69,"sentiment":"neutral","sentiment_score":-0.011661433925231298}],"sentiment":"neutral","sentiment_score":-0.06352558854268864,"num_words":16,"start":15.759999,"end":33.69},{"sentences":[{"text":"It it it is very quiet, but I can't I can't hear you.","start":33.69,"end":36.510002,"sentiment":"neutral","sentiment_score":-0.19873784081293985},{"text":"Yep.","start":50.825,"end":51.145,"sentiment":"neutral","sentiment_score":0.015907811000943184},{"text":"No worries.","start":51.145,"end":51.805,"sentiment":"neutral","sentiment_score":0.049103906378149986},{"text":"Yep.","start":62.03,"end":62.53,"sentiment":"neutral","sentiment_score":0.11495303362607956},{"text":"Anne Margaret Donald.","start":74.765,"end":75.985,"sentiment":"neutral","sentiment_score":0.010879235652585825}],"sentiment":"neutral","sentiment_score":-0.11609427831135691,"num_words":20,"start":33.69,"end":75.985},{"sentences":[{"text":"Twenty third of the tenth nineteen seventy one.","start":76.045,"end":78.705,"sentiment":"neutral","sentiment_score":0.012826903839595616},{"text":"10 Mount Toms Road, Lobethal.","start":79.005005,"end":80.865005,"sentiment":"neutral","sentiment_score":0.015005464106798172},{"text":"Oh, you're nothing too dramatic.","start":87.97,"end":89.670006,"sentiment":"neutral","sentiment_score":-0.09033205211162568},{"text":"I had a day off today.","start":89.89,"end":91.11,"sentiment":"neutral","sentiment_score":-0.026239577680826187},{"text":"I I suppose I probably only have one concern and and there's probably nothing that you can do about it.","start":113.6,"end":119.36,"sentiment":"neutral","sentiment_score":-0.2594160921871662}],"sentiment":"neutral","sentiment_score":-0.12772220498035577,"num_words":44,"start":76.045,"end":119.36},{"sentences":[{"text":"I just feel like I'm not like, my my sleep is not growing at all.","start":119.36,"end":128.025,"sentiment":"negative","sentiment_score":-0.6388409117857615},{"text":"You know?","start":128.025,"end":128.345,"sentiment":"negative","sentiment_score":-0.399614542722702},{"text":"So I'm just wondering, is there anything that we can do to help that 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suppose until you actually, sort of go through that reconciliation process.","start":334.35498,"end":338.42,"sentiment":"neutral","sentiment_score":-0.08564671439429124},{"text":"It's a bit hard to know exactly where I stand.","start":338.42,"end":341.56,"sentiment":"neutral","sentiment_score":-0.13694405257701875},{"text":"So 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not anticipating that I'd be able to retire any earlier than that, to be honest.","start":485.11502,"end":490.34,"sentiment":"neutral","sentiment_score":-0.2615099118815528},{"text":"Unless, you know, something dramatically changes in my favor.","start":490.72,"end":494.4,"sentiment":"neutral","sentiment_score":-0.17766915261745453},{"text":"I can't see that that would be happening.","start":494.4,"end":496.5,"sentiment":"neutral","sentiment_score":-0.2685098946094513},{"text":"Yeah.","start":501.52,"end":502.02,"sentiment":"neutral","sentiment_score":0.012341786175966265},{"text":"Yep.","start":516.005,"end":516.505,"sentiment":"neutral","sentiment_score":0.07201959937810898}],"sentiment":"neutral","sentiment_score":-0.22621401510125883,"num_words":37,"start":485.11502,"end":516.505},{"sentences":[{"text":"Sure.","start":550.17,"end":550.67,"sentiment":"neutral","sentiment_score":0.10662638396024704},{"text":"Okay.","start":550.73,"end":551.20996,"sentiment":"neutral","sentiment_score":0.08147083222866058},{"text":"Well, I've I've I've linked 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the services guide.","start":863.51,"end":865.37,"sentiment":"neutral","sentiment_score":0.020210275426506996},{"text":"So it is financial financial services card.","start":913.485,"end":926.46,"sentiment":"neutral","sentiment_score":0.07706263395292419},{"text":"So and last phase consent renewal.","start":953.42004,"end":966.0,"sentiment":"neutral","sentiment_score":0.08610427627960841}],"sentiment":"neutral","sentiment_score":0.07139974420792178,"num_words":19,"start":835.805,"end":966.0},{"sentences":[{"text":"Okay.","start":1009.98004,"end":1010.48004,"sentiment":"neutral","sentiment_score":0.012088272720575333},{"text":"No.","start":1010.78,"end":1011.18,"sentiment":"neutral","sentiment_score":-0.045331403613090515},{"text":"No.","start":1011.18,"end":1011.34,"sentiment":"neutral","sentiment_score":-0.056471534073352814},{"text":"I don't think I think that's pretty straightforward.","start":1011.34,"end":1014.80005,"sentiment":"neutral","sentiment_score":-0.08507961127907038},{"text":"You not have my tax phone number on record?","start":1046.575,"end":1048.995,"sentiment":"neutral","sentiment_score":0.09061195742752817}],"sentiment":"neutral","sentiment_score":0.0022578030824661256,"num_words":20,"start":1009.98004,"end":1048.995},{"sentences":[{"text":"Yep.","start":1057.63,"end":1058.13,"sentiment":"positive","sentiment_score":0.365103542804718},{"text":"Sure.","start":1062.6699,"end":1063.1699,"sentiment":"neutral","sentiment_score":0.0906270146369934},{"text":"No.","start":1068.205,"end":1068.445,"sentiment":"neutral","sentiment_score":-0.053288642317056656},{"text":"That's all.","start":1068.445,"end":1069.345,"sentiment":"neutral","sentiment_score":-0.03367287665605545},{"text":"Yeah.","start":1069.965,"end":1070.285,"sentiment":"neutral","sentiment_score":0.063864566385746}],"sentiment":"neutral","sentiment_score":0.06649345469971497,"num_words":6,"start":1057.63,"end":1070.285},{"sentences":[{"text":"That's all done.","start":1070.285,"end":1071.1849,"sentiment":"neutral","sentiment_score":0.1276221051812172},{"text":"Correct.","start":1104.42,"end":1104.92,"sentiment":"neutral","sentiment_score":0.19559940695762632},{"text":"It should have two nominees, Ashley and 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expensive stuff.","start":1403.65,"end":1405.99,"sentiment":"neutral","sentiment_score":0.0980340801179409},{"text":"Oh, absolutely.","start":1412.05,"end":1412.87,"sentiment":"positive","sentiment_score":0.5423280894756317}],"sentiment":"neutral","sentiment_score":0.14079233119264245,"num_words":24,"start":1397.6951,"end":1412.87},{"sentences":[{"text":"It'll all be worth it in the end.","start":1413.3301,"end":1414.605,"sentiment":"positive","sentiment_score":0.6048189699649811},{"text":"Yeah.","start":1419.965,"end":1420.445,"sentiment":"neutral","sentiment_score":0.149164617061615},{"text":"Yeah.","start":1420.445,"end":1420.765,"sentiment":"neutral","sentiment_score":0.15880681574344635},{"text":"So the I suppose there's lots of stuff that I can do that helps save a little bit of money here and there, which is good.","start":1420.765,"end":1431.7101,"sentiment":"neutral","sentiment_score":0.29476917821627396},{"text":"Yeah.","start":1431.8501,"end":1432.3501,"sentiment":"neutral","sentiment_score":0.11778844147920609}],"sentiment":"positive","sentiment_score":0.3494137910169524,"num_words":37,"start":1413.3301,"end":1432.3501},{"sentences":[{"text":"Yep.","start":1435.13,"end":1435.63,"sentiment":"neutral","sentiment_score":0.05708278343081474},{"text":"Then no.","start":1439.6901,"end":1444.425,"sentiment":"neutral","sentiment_score":0.008820008486509323},{"text":"Yeah.","start":1450.665,"end":1450.905,"sentiment":"neutral","sentiment_score":0.05827569961547851},{"text":"I just have a that's just my rolling account.","start":1450.905,"end":1453.385,"sentiment":"neutral","sentiment_score":0.08692738993300332},{"text":"That's just what I use.","start":1453.385,"end":1454.765,"sentiment":"neutral","sentiment_score":0.09450461864471435}],"sentiment":"neutral","sentiment_score":0.07710378347999519,"num_words":18,"start":1435.13,"end":1454.765},{"sentences":[{"text":"Yeah.","start":1459.2251,"end":1459.625,"sentiment":"neutral","sentiment_score":0.04305439814925194},{"text":"Yep.","start":1459.625,"end":1460.125,"sentiment":"neutral","sentiment_score":0.04192505404353142},{"text":"Yep.","start":1470.5,"end":1471.0,"sentiment":"neutral","sentiment_score":0.03180103749036789},{"text":"No.","start":1472.4199,"end":1472.9199,"sentiment":"neutral","sentiment_score":-0.2597047686576843},{"text":"Nothing's changed.","start":1473.0599,"end":1481.495,"sentiment":"neutral","sentiment_score":-0.062563244253397}],"sentiment":"neutral","sentiment_score":-0.04467512791355451,"num_words":6,"start":1459.2251,"end":1481.495},{"sentences":[{"text":"Correct.","start":1482.1951,"end":1482.6951,"sentiment":"neutral","sentiment_score":0.10483327507972716},{"text":"No.","start":1490.37,"end":1490.69,"sentiment":"neutral","sentiment_score":-0.12963441014289856},{"text":"Nothing.","start":1490.69,"end":1491.19,"sentiment":"neutral","sentiment_score":-0.09468887746334076},{"text":"Nothing's changed.","start":1491.33,"end":1492.23,"sentiment":"neutral","sentiment_score":-0.10094442591071129},{"text":"It's something that I've never it's it's not it it I still haven't done it.","start":1512.9,"end":1517.88,"sentiment":"neutral","sentiment_score":-0.2198624610900879}],"sentiment":"neutral","sentiment_score":-0.18096578903496266,"num_words":20,"start":1482.1951,"end":1517.88},{"sentences":[{"text":"So I don't really know.","start":1519.54,"end":1520.92,"sentiment":"neutral","sentiment_score":-0.2127417206764221},{"text":"I don't know.","start":1522.3401,"end":1522.74,"sentiment":"neutral","sentiment_score":-0.19870669146378836},{"text":"Yeah.","start":1522.74,"end":1522.9,"sentiment":"neutral","sentiment_score":-0.20218652486801147},{"text":"It just hasn't been high on my priority list, unfortunately.","start":1522.9,"end":1525.48,"sentiment":"neutral","sentiment_score":-0.31403266191482543},{"text":"Yep.","start":1535.605,"end":1536.105,"sentiment":"neutral","sentiment_score":0.25376930832862854}],"sentiment":"neutral","sentiment_score":-0.23742862567305564,"num_words":20,"start":1519.54,"end":1536.105},{"sentences":[{"text":"Yes.","start":1551.22,"end":1551.72,"sentiment":"neutral","sentiment_score":0.12937676906585693},{"text":"Yeah.","start":1565.4249,"end":1565.9249,"sentiment":"neutral","sentiment_score":0.11445233225822447},{"text":"Sure.","start":1575.3799,"end":1575.8799,"sentiment":"neutral","sentiment_score":0.17851640284061432},{"text":"Yes.","start":1601.01,"end":1601.51,"sentiment":"neutral","sentiment_score":0.1542290598154068},{"text":"Absolutely.","start":1608.275,"end":1608.775,"sentiment":"neutral","sentiment_score":0.12393733859062196}],"sentiment":"neutral","sentiment_score":0.1401023805141449,"num_words":5,"start":1551.22,"end":1608.775},{"sentences":[{"text":"Yeah.","start":1610.035,"end":1610.535,"sentiment":"neutral","sentiment_score":0.3221551477909088},{"text":"No.","start":1616.9951,"end":1617.2351,"sentiment":"neutral","sentiment_score":-0.06932219117879868},{"text":"At this stage, that's my main priority is the renovations and paying down the mortgage as soon as I can.","start":1617.2351,"end":1624.1599,"sentiment":"neutral","sentiment_score":-0.05120986942201853},{"text":"Yep.","start":1624.1599,"end":1624.6599,"sentiment":"neutral","sentiment_score":0.13156192004680634},{"text":"So I would like to go into retirement with no mortgage.","start":1624.72,"end":1630.1599,"sentiment":"positive","sentiment_score":0.37642804059115326}],"sentiment":"neutral","sentiment_score":0.10296782160944798,"num_words":34,"start":1610.035,"end":1630.1599},{"sentences":[{"text":"That's my plan.","start":1630.1599,"end":1631.1399,"sentiment":"positive","sentiment_score":0.47249507904052734},{"text":"Yep.","start":1641.5249,"end":1642.0249,"sentiment":"neutral","sentiment_score":0.13734053075313568},{"text":"No.","start":1647.12,"end":1647.4401,"sentiment":"neutral","sentiment_score":-0.07970021665096283},{"text":"I think I just need to wait for you.","start":1647.4401,"end":1649.2,"sentiment":"neutral","sentiment_score":-0.1030565963851081},{"text":"Like, we were talking about that conciliation reconciliation about the whole investment side of things.","start":1649.2,"end":1656.4,"sentiment":"neutral","sentiment_score":0.02054920941591263}],"sentiment":"neutral","sentiment_score":0.0295122181033266,"num_words":29,"start":1630.1599,"end":1656.4},{"sentences":[{"text":"So wait until all of that comes through.","start":1656.4,"end":1659.92,"sentiment":"neutral","sentiment_score":0.09081616625189781},{"text":"And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know?","start":1659.92,"end":1666.435,"sentiment":"neutral","sentiment_score":0.07035846635699272},{"text":"Yep.","start":1696.925,"end":1697.3251,"sentiment":"neutral","sentiment_score":0.1125105544924736},{"text":"Okay.","start":1697.3251,"end":1697.7251,"sentiment":"neutral","sentiment_score":0.1697259247303009},{"text":"No problem.","start":1697.7251,"end":1698.385,"sentiment":"neutral","sentiment_score":0.24530604481697083}],"sentiment":"neutral","sentiment_score":0.08907493214522089,"num_words":35,"start":1656.4,"end":1698.385},{"sentences":[{"text":"Okay.","start":1712.64,"end":1713.12,"sentiment":"neutral","sentiment_score":0.1683487594127655},{"text":"No problem.","start":1713.12,"end":1713.76,"sentiment":"neutral","sentiment_score":0.24126479774713516},{"text":"That's fine.","start":1713.76,"end":1714.16,"sentiment":"positive","sentiment_score":0.38395312428474426},{"text":"Thank you.","start":1714.16,"end":1728.3949,"sentiment":"positive","sentiment_score":0.3835822641849518},{"text":"Okay.","start":1728.9349,"end":1729.335,"sentiment":"neutral","sentiment_score":0.2739953100681305}],"sentiment":"neutral","sentiment_score":0.3074930552393198,"num_words":8,"start":1712.64,"end":1729.335},{"sentences":[{"text":"Thanks, Veronica.","start":1729.335,"end":1730.235,"sentiment":"positive","sentiment_score":0.5020105987787247},{"text":"Okay.","start":1732.7689,"end":1733.089,"sentiment":"positive","sentiment_score":0.3458346128463745},{"text":"Thank you.","start":1733.089,"end":1733.4089,"sentiment":"positive","sentiment_score":0.6515368223190308},{"text":"Bye bye.","start":1733.4089,"end":1734.069,"sentiment":"neutral","sentiment_score":0.2919369488954544},{"text":"Bye.","start":1735.4089,"end":1735.9089,"sentiment":"neutral","sentiment_score":-0.1077389195561409}],"sentiment":"positive","sentiment_score":0.39113305415958166,"num_words":8,"start":1729.335,"end":1735.9089}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Anne speaking.\n\nChannel 0: Good afternoon. This is Veronica from OQ Financial. How are you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in this afternoon to go over your under review. Is now still a good time for you?\n\nChannel 1: Yes. It is. But can you\n\nChannel 0: Yep.\n\nChannel 1: just speak up? You're very, very quiet.\n\nChannel 0: Let me have a look here. I do have it on max volume. Let me see. I can adjust. Is that any better?\n\nChannel 1: It's it's fine. It it it is very quiet, but I can't I can't hear you.\n\nChannel 0: Okay. If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit. So I apologize to my colleague, but I'm sure that's fine. If you can't hear me, though, just let me know.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please?\n\nChannel 1: Anne Margaret Donald. Twenty third of the tenth nineteen seventy one. 10 Mount Toms Road, Lobethal.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy.\n\nChannel 1: Oh, you're nothing too dramatic. I had a day\n\nChannel 0: Yeah.\n\nChannel 1: off today.\n\nChannel 0: Oh, lovely. That's great. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at.\n\nChannel 1: I I suppose I probably only have one concern and and there's probably nothing that you can do about it. I just feel like I'm not like, my my sleep is not growing at all. You know? So I'm just wondering, is there anything that we can do to help that along?\n\nChannel 0: Yep. Perfect. Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation. So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments. Do you remember that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So everything has been consolidated, which is perfect. And, obviously, we have your new insurances in place, which is great. The one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if\n\nChannel 1: Mhmm.\n\nChannel 0: it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they will\n\nChannel 1: Right.\n\nChannel 0: compensate you so\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Cool.\n\nChannel 0: you are not negatively affected at all by the error with the trade. Does that make sense then?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Which also then kind of having a look at, obviously, the investments. And the good thing is that when we did do the recommendation, some of the investments that I did recommend that we moved out of are the ones that have kind of been very slow performing this last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: So that should also see that, obviously, things moving forward. And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it\n\nChannel 1: Mhmm.\n\nChannel 0: is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended.\n\nChannel 1: Yeah.\n\nChannel 0: So, basically, for you, obviously, you wanna be 100% transparent. There was an error with that. You will not be negatively impacted at all. And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today. And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade.\n\nDoes that\n\nChannel 1: Sure.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well. Yep. Do you have any concerns or questions in regards to any of that?\n\nChannel 1: No. I suppose until you actually, sort of go through that reconciliation process. It's a bit hard to know exactly\n\nChannel 0: Yes.\n\nChannel 1: where I stand. So yeah.\n\nChannel 0: Yes. So what will basically happen is that management will do that extensive research kind of and assess everything. You will also receive a formal letter\n\nChannel 1: Okay.\n\nChannel 0: explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you. So you will also have it in writing and then kind of moving forward. And then, obviously, that makes a little bit more sense probably once we have all that information\n\nChannel 1: Sure.\n\nChannel 0: for you. But just\n\nChannel 1: Yep.\n\nChannel 0: rest assured, I have flagged there with management, and they're currently working through that.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now, obviously, when it comes to your superannuation, otherwise, we have you invested in that growth portfolio. Do you remember speaking about that last time? We went through a pretty in-depth of what it means and risk tolerance and stuff like that.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And do you still kind of remember what it means to be a growth investor? Mhmm.\n\nChannel 1: I probably couldn't, like, rattle it off the top of my head, but I I know but I just want solid growth, but I don't wanna, like, risk everything.\n\nChannel 0: Yeah. Exactly. So it's kind of somewhere in the middle where you are still obviously focusing on growth.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: do wanna obviously maximize that growth where you still have, you know, time until retirement. You wanna make sure your money is working hard for you, but it's not where you are in, like, an aggressive and a high growth portfolio seeing a bit more fluctuations. So it is kind of that somewhere good in the middle where the main focus is growth. We do still have about 20% in your defensive investment. So that is\n\nChannel 1: Yes.\n\nChannel 0: things like, you know, cash, gold, fixed interest. To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well.\n\nChannel 1: Sure.\n\nChannel 0: Now when it comes to time frame, so, obviously, we also wanna make sure that we have enough time in the market for those fluctuations to to come back around. Typically, we would like to see about six years or so until retirement in making sure that you have enough time in the market.\n\nChannel 1: Yes.\n\nChannel 0: So at the moment, do you have any idea when you think you would like to retire? Is it still around 67, or has any of that changed for you?\n\nChannel 1: No. I mean, I'm not anticipating that I'd be able to retire any earlier than that, to be honest. Unless,\n\nChannel 0: Okay.\n\nChannel 1: you know, something dramatically changes in my favor.\n\nChannel 0: Yep.\n\nChannel 1: I can't see that that would be happening.\n\nChannel 0: Okay. Yep. Perfect. Hopefully, you win the lottery. Give me a call one day, but,\n\nChannel 1: Yeah.\n\nChannel 0: otherwise, we'll we'll we'll kind of keep it at that. Now what I have done is I have to send you an email with some documents to run over. Do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. If you can access that for me, that would be great. Now we have recently changed the software where as well, so it might look a little bit different through what you have been used through.\n\nIt's kind of the same, though, where it will ask you to click on a link. Now I believe it says sign now or click here to sign. It doesn't mean that when you click on the link, it asks you to sign right away. It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything.\n\nChannel 1: Sure. Okay. Well, I've I've I've linked it.\n\nChannel 0: Okay. Perfect. So can you see the first document? It should say super and insurance summary.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you can see here that you do have your superannuation with Netwealth. At the moment, you do have about $206,808 in there.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have your insurances with Zurich.\n\nChannel 1: Mhmm.\n\nChannel 0: So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base? And then, obviously, over time, depending on, obviously, different shifts and stuff. Are you still doing are you still working as a midwife, or has any of\n\nChannel 1: Yeah.\n\nChannel 0: that changed?\n\nChannel 1: Then nothing's\n\nChannel 0: Okay. Perfect. No. That's good. The reason I do ask is, obviously, if your income is drastically changing at any point in time, just let me know if we do wanna revisit, obviously, that monthly amount just to make sure it's\n\nChannel 1: changed.\n\nChannel 0: still kind of aligning with you. Do you have any questions in regards to your insurances, or you happy with them? Do you wanna make any changes?\n\nChannel 1: Sure. No. No changes at\n\nChannel 0: No.\n\nChannel 1: this stage.\n\nChannel 0: Yes. Great. Perfect. Now the next document should be your network performance report.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now like I said here, this isn't really this is what it is currently. That's not what you should be in. So you can basically see on this one here all your different investments, how they have performed.\n\nAnd if you scroll down through page two, it says total portfolio performance. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yes. And you can see here that if we didn't make any changes at all last year and remained the same, then what obviously would have happened in the last twelve months after fees is that you can see, like you said, as well, it has been a bit stagnant, and it has only grown by about 2.02% after fees. But\n\nChannel 1: Yep.\n\nChannel 0: like I said, the good thing is that we did do advise last year and move you out of some of those investments that was underperforming, which was great, especially because it's before the drop, which is very good timing. And like I said, we will completely investigate all of that for you.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Now if you can click on the next one for me, it should be your Vanguard index chart, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And do you remember going through this last year as well?\n\nChannel 1: Yes. Certainly.\n\nChannel 0: Yep. Yeah. Basically, every year, Vanguard does release a new one. So the next one is due to come out anytime soon because they kind of do it at their financial year shift. It is kind of a good way just to kind of look at things and basically see what we are talking about when we are talking about the market.\n\nNow you can kind of see here that it goes from 1995 through to 2025, and it shows\n\nChannel 1: Yes.\n\nChannel 0: you kind of all the ups and downs of the market. Now how this one is also good is it then breaks down the different asset classes and how they have moved. So referring back to that kind of growth portfolio for you, the 80% growth investment is a combination of your top four. So you'll\n\nChannel 1: Okay.\n\nChannel 0: have your US share, which is, like, your light green line, which\n\nChannel 1: Yes.\n\nChannel 0: you can see are the ones that that grow the most, but they also fluctuate. You have Australian shares, which is, like, your darker green line, your international shares, which is, like, your yellow, and then your property, which is, like, your maroon color. So that's\n\nChannel 1: Yes.\n\nChannel 0: kind of, like, your your growth component. And then that 20% of defensive is like those bottom three, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate too much either. Does that all\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now next document should be your Zurich\n\nChannel 1: Yep.\n\nChannel 0: certificate of currency if I'm correct. Yep. So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you.\n\nChannel 1: No.\n\nChannel 0: Yep. Perfect. Now the next document will is that your ongoing service agreement with Netwealth? Please\n\nChannel 1: It's\n\nChannel 0: consent\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: services\n\nChannel 0: ongoing\n\nChannel 1: guide.\n\nChannel 0: fee. Okay. Perfect. So the services guide is just an updated version. It is one of that compliance forms, but it does tell you all the important information in regards to us here at.\n\nNone of the important information has changed, but we've had a bit of an extension to the team, which is good, but then also a bit of update through marketing. So if you do have a bit of a read over it, and I'll let you do that in your own time as well so I don't keep you here for for too long. But it does kind of give you all the important information as you scroll through as well. You will see the directors and our advice team. You'll also see myself there on page 10, I believe, if you do wanna put a face to the voice again.\n\nChannel 1: So\n\nChannel 0: Yep. Perfect. Now the next document, what is that one for you, Anne?\n\nChannel 1: it is financial financial services card.\n\nChannel 0: Yep. So that one is just kind of a smaller version of the other document. Again, just a compliance forms just breaks down the important information. Now I do also wanna let you know that none of the fee structure has changed. So it's not increased or anything like that, which is good.\n\nIt stays exactly the same at that 1.65 from superannuation for you.\n\nChannel 1: So\n\nChannel 0: Yep. Now next document.\n\nChannel 1: and last phase consent renewal.\n\nChannel 0: Yep. So this is the one with Netwealth. And that is to say if you are happy obviously, that is to say that you are happy to stay on as a client. Now like I said, no changes to the free structure, but I do also want to let you know that it is not a locking contract. So if at any point in time you are not happy, it is not a locked in contract.\n\nIt is something you have to sign every twelve months if you would like to stay on as a client, but that's not does not mean that you are locked in for twelve months because it does get deducted on a monthly basis for you. Do you have any questions in regards to anything regards to the fee structure?\n\nChannel 1: Okay. No. No. I don't think I think that's pretty straightforward.\n\nChannel 0: Still make sense? Yep. Yep. Perfect. Now it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number.\n\nIt is another compliance form for you, Basically, just to say that we are keeping your tax file number secure and safe on file.\n\nChannel 1: You not have my tax phone number on record?\n\nChannel 0: Yes. We do. So you don't need to provide it or anything like that. It is just literally a compliance form to say that we do have it, and we\n\nChannel 1: Yep.\n\nChannel 0: are keeping it secure and safe on file. So it's not like you have to provide it or anything like that.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Any questions? And that\n\nChannel 1: No.\n\nChannel 0: should\n\nChannel 1: That's\n\nChannel 0: be the last\n\nChannel 1: all.\n\nChannel 0: document.\n\nChannel 1: Yeah. That's all done.\n\nChannel 0: Okay. Beautiful. Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all. So just kind of bear with me as I go through this just to make sure that's all still aligning for you. Now when it comes to your personal information, I have you down here as single with no financial dependents.\n\nYour daughters are a bit older. Is that correct?\n\nChannel 1: Correct.\n\nChannel 0: Yep. And next up, Kane, so in the event that something were to happen to you, I do have here Ashley nominated. That's still the case as well.\n\nChannel 1: It should have two nominees, Ashley and Chelsea.\n\nChannel 0: I have for the beneficiary forms. I have both of them. So that is if something were to happen, your super and your insurances will divide it and split fifty fifty between Ashley and Chelsea. But for contact number, I only have\n\nChannel 1: Yep.\n\nChannel 0: an Ashley nominated. Would you like to add Chelsea as well?\n\nChannel 1: Yeah. You can put her as as so it could go either way. Yep.\n\nChannel 0: Yep. Okay. And I already have her name from the beneficiary forms. Just the best contact number for Chelsea?\n\nChannel 1: It is 044904\n\nChannel 0: Yep.\n\nChannel 1: 4\n\nChannel 0: Two four four. Yep.\n\nChannel 1: 823.\n\nChannel 0: 823. Beautiful. And you said you have no preference on who to call. It's just whoever's available,\n\nChannel 1: No. I'm not\n\nChannel 0: essentially?\n\nChannel 1: yet. That's\n\nChannel 0: Yeah.\n\nChannel 1: wrong.\n\nChannel 0: Okay. Good. Great. Now we've already touched on employment and everything. Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed.\n\nBut I have here that last time, your property was valued at about 650,000. Is that still the case? Do you know, or has that gone up a little\n\nChannel 1: I think\n\nChannel 0: bit?\n\nChannel 1: I suppose it depends on how official you want it, but I feel like the main property value has gone up to about $7.50 here.\n\nChannel 0: Mhmm.\n\nChannel 1: So I thought you could probably update that.\n\nChannel 0: Yeah. And that's right. Because the they do have changed also. And most of the time, unless you've had a recent evaluation, it is a little bit tricky. And\n\nChannel 1: Yeah.\n\nChannel 0: often people use exactly like that. They'll check what's what's in the area or even sometimes on real estate. It will tell you, like, a a rough guide,\n\nChannel 1: Yeah.\n\nChannel 0: but $7.50 is perfect. So I will just update that. Now mortgage, I have around 511,000.\n\nChannel 1: Yeah. So I've actually refinanced and and I've taken out some extra money to do some work around the house. So it's actually $5.75. Now?\n\nChannel 0: Okay. Yep. Perfect. So 75. Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house.\n\nSo you've\n\nChannel 1: Yep.\n\nChannel 0: obviously done that, but\n\nChannel 1: Yeah.\n\nChannel 0: you're still\n\nChannel 1: Well,\n\nChannel 0: kind\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: working\n\nChannel 1: it\n\nChannel 0: through it.\n\nChannel 1: yeah. It's it's in in the process of planning and etcetera, you know, all the fun and games of project managing.\n\nChannel 0: Yeah. Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which\n\nChannel 1: Yeah.\n\nChannel 0: which I'm sure will be nice.\n\nChannel 1: Eventually,\n\nChannel 0: Do you\n\nChannel 1: yes.\n\nChannel 0: know do you know how long it's estimated to take the renovations at all, or is it about hard to say?\n\nChannel 1: I'm hoping everything will be finished by the end of twenty twenty seven. So a bit\n\nChannel 0: Oh,\n\nChannel 1: of\n\nChannel 0: yeah.\n\nChannel 1: a slow slog, but I'm I'm wanting everything sort of all well and truly done by the end of next year.\n\nChannel 0: Yes. Oh, beautiful. Are you doing anything yourself, or are you kind of outsourcing most of it?\n\nChannel 1: The majority of I'm doing myself. It's only the stuff that I can't do that I'm outsourcing.\n\nChannel 0: Yeah. Oh, that's really good. I wish I could. Definitely can't. Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation.\n\nChannel 1: Yep.\n\nChannel 0: Is that have you and did you end up using that, or do you still have some sitting in an offset account?\n\nChannel 1: I still have it sitting in the offset account. I think I'm I've got about a 120 or something sitting there.\n\nChannel 0: Yep.\n\nChannel 1: But that will probably the majority of that will use up by the end of the year\n\nChannel 0: Yep. Okay.\n\nChannel 1: for\n\nChannel 0: Perfect.\n\nChannel 1: the big stuff that's about to happen. So having\n\nChannel 0: Yep.\n\nChannel 1: a a couple of sort of verandas and a carport built. So it's just that sort of big stuff that will will suck up all my money.\n\nChannel 0: Yep. At least, hopefully, if you do it a little bit gradually, though, it's not, hopefully, as as big of a lump sum at one time, and it's kind of a little bit slower eventually.\n\nChannel 1: Yeah. Well, all of the big stuff will be done by the end of this year, I think. And then next year, it'll just be more sort of decorating rather than the expensive stuff. So\n\nChannel 0: Yep.\n\nChannel 1: although the one big the final expense that is will be I need to redo the bathroom.\n\nChannel 0: I\n\nChannel 1: So that will be my final push at the end of next year. That's the last\n\nChannel 0: am.\n\nChannel 1: thing\n\nChannel 0: Okay.\n\nChannel 1: I wanna do. I wanna try and get everything else organized first.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Oh, that\n\nChannel 1: It's\n\nChannel 0: was exciting.\n\nChannel 1: all expensive stuff.\n\nChannel 0: Yes. But, hopefully, it pays off in the end, and, yeah, the the equity will will go up for you.\n\nChannel 1: Oh, absolutely. It'll all be worth it in the end.\n\nChannel 0: Yeah. Yes. Especially if you're doing it yourself, it's obviously a bit more cost effective as well.\n\nChannel 1: Yeah. Yeah. So the I suppose there's lots of stuff that I can do that helps save a little bit of money here and there,\n\nChannel 0: Oh, that's\n\nChannel 1: which\n\nChannel 0: good.\n\nChannel 1: is good. Yeah.\n\nChannel 0: Yeah. Now and I also have here a\n\nChannel 1: Yep.\n\nChannel 0: motor vehicle of about 50,000. Is that still the case as well?\n\nChannel 1: Then\n\nChannel 0: Yep. Yep. Perfect. And you didn't have anything owing on that one?\n\nChannel 1: no.\n\nChannel 0: No. Great. I also have a credit card of about $2,000.\n\nChannel 1: Yeah. I just have a that's just my rolling account. That's just what I use.\n\nChannel 0: Yeah. Is that card more for, like, points and stuff and you pay it off each month?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. Yeah. No. I'll just remove that back. It's not especially if you do clear it all the time.\n\nAny other assets that's changed at all? Any motorbikes or\n\nChannel 1: Yep.\n\nChannel 0: boats or anything else?\n\nChannel 1: No. Nothing's\n\nChannel 0: Nope. Nope. Perfect. And health and lifestyle wise, still a nonsmoker?\n\nChannel 1: changed. Correct.\n\nChannel 0: Yep. And have you had any changes, significant health issues, or injuries, or anything in the last twelve months?\n\nChannel 1: No. Nothing.\n\nChannel 0: No.\n\nChannel 1: Nothing's changed.\n\nChannel 0: Yeah. Great. And estate planning, we've already touched on your beneficiaries, which is all, up to date. I do also have here that last time we spoke, you were on the to do list anyway to have a look at a will. Did you end up having a look at that, or is that still kind of on the cards?\n\nChannel 1: It's something that I've never it's it's not it it I still haven't done it. So I don't really know. I don't know. Yeah. It just hasn't been high on my priority list, unfortunately.\n\nChannel 0: Yep. Yeah. And and to be fair, most people are the same. I do always say it is good to consider. Obviously, it's always good.\n\nI always tell everyone that you should have a\n\nChannel 1: Yep.\n\nChannel 0: will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible. But,\n\nChannel 1: Yes.\n\nChannel 0: obviously, the choice is completely up to you, and you can obviously go through a lawyer, which is the most comprehensive way. But also understand that, obviously, it's more expensive. Even just like a little bill kit for the post office is better than nothing.\n\nChannel 1: Yeah.\n\nChannel 0: Just, obviously, if you do end up doing that, just make sure you read it carefully and complete it correctly. So if something were to happen, it does hold up in court as well.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay. Well, what happened the last twelve months? Have any of your goals changed?\n\nIt seems like it's pretty similar. Obviously, finish off the renovations, and then making sure your super is on track\n\nChannel 1: Yes.\n\nChannel 0: for retirement. Is it also kind of focusing on paying down the mortgage? Is that also kind of a side\n\nChannel 1: Absolutely.\n\nChannel 0: goal for you? Yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Anything else that you are working towards that you are wanting to achieve at all?\n\nChannel 1: No. At this stage, that's my main priority is the renovations and paying down the mortgage as soon as I can. Yep. So\n\nChannel 0: Yep. Perfect.\n\nChannel 1: I would like to go into retirement with no mortgage. That's my plan.\n\nChannel 0: Yeah. Oh, that's that's good. And now that was essentially everything that I needed to go through with you, Anne.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions or anything for me while you do have me on the phone?\n\nChannel 1: No. I think I just need to wait for you. Like, we were talking about that conciliation reconciliation\n\nChannel 0: Yes.\n\nChannel 1: about the whole investment side of things.\n\nChannel 0: Yes.\n\nChannel 1: So wait until all of that comes through. And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know?\n\nChannel 0: Yes. Definitely do. Now the letter will come from our head of advice, Larissa, but I will also be informed of the outcome as well so that I know. If you do have any, like, questions or anything when you get it or any concerns or anything like that, just please give me a call, and I'm more than happy to go through it. But I'll keep a lookout on that.\n\nAnd like I said, I have passed it on, and they are kind of working through it at the moment for you.\n\nChannel 1: Yep. Okay. No problem.\n\nChannel 0: Yep. Perfect. If there is anything else you need, though, irrespective of that conciliation, if there's anything else that you needed at any point in time, don't hesitate to give me a call or send me an email. I'm always here if you need anything.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Yep.\n\nChannel 1: That's fine. Thank\n\nChannel 0: No worries at all. Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day. And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with those\n\nChannel 1: you.\n\nChannel 0: investments.\n\nChannel 1: Okay. Thanks, Veronica.\n\nChannel 0: Yep. No problem. We'll speak soon.\n\nChannel 1: Okay. Thank you. Bye bye.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.02235427498817444},{"text":"Anne speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.04413844458758831}],"sentiment":"neutral","sentiment_score":0.03687705472111702,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.3332878053188324},{"text":"This is Veronica from OQ Financial.","start":3.6,"end":5.54,"sentiment":"neutral","sentiment_score":0.3123881022135417},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2336491197347641}],"sentiment":"neutral","sentiment_score":0.2947137802839279,"channel":0,"num_words":11,"start":2.8,"end":6.58},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.550915539264679},{"text":"Thank you.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.6218468248844147},{"text":"How are you?","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.3611770272254944}],"sentiment":"positive","sentiment_score":0.4796900451183319,"channel":1,"num_words":6,"start":6.7999997,"end":8.26},{"sentences":[{"text":"I'm good.","start":8.96,"end":9.679999,"sentiment":"positive","sentiment_score":0.5788621306419373},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6468006372451782},{"text":"I had you booked in this afternoon to go over your under review.","start":10.96,"end":14.0,"sentiment":"positive","sentiment_score":0.3535068195599776},{"text":"Is now still a good time for you?","start":14.0,"end":15.675,"sentiment":"neutral","sentiment_score":0.3272170200943947}],"sentiment":"positive","sentiment_score":0.3757437380651633,"channel":0,"num_words":24,"start":8.96,"end":15.675},{"sentences":[{"text":"Yes.","start":15.759999,"end":15.975,"sentiment":"neutral","sentiment_score":0.11751268804073334},{"text":"It is.","start":16.055,"end":16.455,"sentiment":"neutral","sentiment_score":0.10653449967503548},{"text":"But can you","start":16.455,"end":17.015,"sentiment":"neutral","sentiment_score":0.012268216349184513}],"sentiment":"neutral","sentiment_score":0.06123105607305964,"channel":1,"num_words":6,"start":15.759999,"end":17.015},{"sentences":[{"text":"Yep.","start":16.955,"end":17.455,"sentiment":"neutral","sentiment_score":0.000109759159386158}],"sentiment":"neutral","sentiment_score":0.000109759159386158,"channel":0,"num_words":1,"start":16.955,"end":17.455},{"sentences":[{"text":"just speak up?","start":17.015,"end":17.815,"sentiment":"neutral","sentiment_score":-0.014881214747826258},{"text":"You're very, very quiet.","start":17.815,"end":18.955,"sentiment":"neutral","sentiment_score":-0.32604195177555084}],"sentiment":"neutral","sentiment_score":-0.19268735019224031,"channel":1,"num_words":7,"start":17.015,"end":18.955},{"sentences":[{"text":"Let me have a look here.","start":20.635,"end":21.835,"sentiment":"neutral","sentiment_score":-0.06562301935628057},{"text":"I do have it on max volume.","start":21.835,"end":24.494999,"sentiment":"neutral","sentiment_score":-0.0024728990559067044},{"text":"Let me see.","start":27.355,"end":28.335,"sentiment":"neutral","sentiment_score":-0.018010263641675312},{"text":"I can adjust.","start":28.869999,"end":29.689999,"sentiment":"neutral","sentiment_score":-0.023940936972697575},{"text":"Is that any better?","start":29.75,"end":30.89,"sentiment":"neutral","sentiment_score":-0.04566728929057717}],"sentiment":"neutral","sentiment_score":-0.03128570297975903,"channel":0,"num_words":23,"start":20.635,"end":30.89},{"sentences":[{"text":"It's it's fine.","start":32.89,"end":33.69,"sentiment":"neutral","sentiment_score":-0.011661433925231298},{"text":"It it it is very quiet, but I can't I can't hear you.","start":33.69,"end":36.510002,"sentiment":"neutral","sentiment_score":-0.19873784081293985}],"sentiment":"neutral","sentiment_score":-0.1636610145214945,"channel":1,"num_words":16,"start":32.89,"end":36.510002},{"sentences":[{"text":"Okay.","start":36.79,"end":37.269997,"sentiment":"neutral","sentiment_score":-0.04322115331888199},{"text":"If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit.","start":37.269997,"end":44.925,"sentiment":"neutral","sentiment_score":-0.1670092957263643},{"text":"So I apologize to my colleague, but I'm sure that's fine.","start":44.925,"end":47.745003,"sentiment":"neutral","sentiment_score":-0.10293366421352733},{"text":"If you can't hear me, though, just let me know.","start":48.125,"end":50.305,"sentiment":"neutral","sentiment_score":-0.12179379686713218}],"sentiment":"neutral","sentiment_score":-0.13790077123452316,"channel":0,"num_words":44,"start":36.79,"end":50.305},{"sentences":[{"text":"Yep.","start":50.825,"end":51.145,"sentiment":"neutral","sentiment_score":0.015907811000943184},{"text":"No worries.","start":51.145,"end":51.805,"sentiment":"neutral","sentiment_score":0.049103906378149986}],"sentiment":"neutral","sentiment_score":0.03803854125241438,"channel":1,"num_words":3,"start":50.825,"end":51.805},{"sentences":[{"text":"Yep.","start":51.645,"end":52.145,"sentiment":"neutral","sentiment_score":0.10019783675670624},{"text":"Perfect.","start":52.845,"end":53.345,"sentiment":"positive","sentiment_score":0.3431205153465271},{"text":"Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay.","start":53.885002,"end":61.14,"sentiment":"neutral","sentiment_score":0.05080925596171412},{"text":"Perfect.","start":61.14,"end":61.64,"sentiment":"neutral","sentiment_score":0.2737746834754944}],"sentiment":"neutral","sentiment_score":0.06845504557713866,"channel":0,"num_words":32,"start":51.645,"end":61.64},{"sentences":[{"text":"Yep.","start":62.03,"end":62.53,"sentiment":"neutral","sentiment_score":0.11495303362607956}],"sentiment":"neutral","sentiment_score":0.11495303362607956,"channel":1,"num_words":1,"start":62.03,"end":62.53},{"sentences":[{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please?","start":63.94,"end":73.72,"sentiment":"neutral","sentiment_score":0.0636189207982491}],"sentiment":"neutral","sentiment_score":0.0636189207982491,"channel":0,"num_words":34,"start":63.94,"end":73.72},{"sentences":[{"text":"Anne Margaret Donald.","start":74.765,"end":75.985,"sentiment":"neutral","sentiment_score":0.010879235652585825},{"text":"Twenty third of the tenth nineteen seventy one.","start":76.045,"end":78.705,"sentiment":"neutral","sentiment_score":0.012826903839595616},{"text":"10 Mount Toms Road, Lobethal.","start":79.005005,"end":80.865005,"sentiment":"neutral","sentiment_score":0.015005464106798172}],"sentiment":"neutral","sentiment_score":0.013142516138032079,"channel":1,"num_words":16,"start":74.765,"end":80.865005},{"sentences":[{"text":"Yep.","start":81.534996,"end":82.015,"sentiment":"neutral","sentiment_score":0.1188499480485916},{"text":"Perfect.","start":82.015,"end":82.515,"sentiment":"positive","sentiment_score":0.4404962956905365},{"text":"That's exactly what I have here.","start":82.575,"end":84.174995,"sentiment":"positive","sentiment_score":0.4605912963549296},{"text":"And how's your day been so far?","start":84.174995,"end":85.935,"sentiment":"neutral","sentiment_score":0.12238267596278872},{"text":"I've been busy.","start":85.935,"end":86.835,"sentiment":"neutral","sentiment_score":-0.14437606930732727}],"sentiment":"neutral","sentiment_score":0.20813580809368026,"channel":0,"num_words":18,"start":81.534996,"end":86.835},{"sentences":[{"text":"Oh, you're nothing too dramatic.","start":87.97,"end":89.670006,"sentiment":"neutral","sentiment_score":-0.09033205211162568},{"text":"I had a day","start":89.89,"end":90.450005,"sentiment":"neutral","sentiment_score":-0.03947205748409033}],"sentiment":"neutral","sentiment_score":-0.0677276100549433,"channel":1,"num_words":9,"start":87.97,"end":90.450005},{"sentences":[{"text":"Yeah.","start":90.31,"end":90.81,"sentiment":"neutral","sentiment_score":-0.009874081239104273}],"sentiment":"neutral","sentiment_score":-0.009874081239104273,"channel":0,"num_words":1,"start":90.31,"end":90.81},{"sentences":[{"text":"off today.","start":90.450005,"end":91.11,"sentiment":"neutral","sentiment_score":0.00022538192570209525}],"sentiment":"neutral","sentiment_score":0.00022538192570209525,"channel":1,"num_words":2,"start":90.450005,"end":91.11},{"sentences":[{"text":"Oh, lovely.","start":91.75,"end":92.47,"sentiment":"positive","sentiment_score":0.37307241559028625},{"text":"That's great.","start":92.47,"end":93.369995,"sentiment":"positive","sentiment_score":0.5566742420196533},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at.","start":94.869995,"end":110.445,"sentiment":"neutral","sentiment_score":-0.012323339453391861}],"sentiment":"neutral","sentiment_score":0.01896824535043513,"channel":0,"num_words":61,"start":91.75,"end":110.445},{"sentences":[{"text":"I I suppose I probably only have one concern and and there's probably nothing that you can do about it.","start":113.6,"end":119.36,"sentiment":"neutral","sentiment_score":-0.2594160921871662},{"text":"I just feel like I'm not like, my my sleep is not growing at all.","start":119.36,"end":128.025,"sentiment":"negative","sentiment_score":-0.6388409117857615},{"text":"You know?","start":128.025,"end":128.345,"sentiment":"negative","sentiment_score":-0.399614542722702},{"text":"So I'm just wondering, is there anything that we can do to help that along?","start":128.345,"end":132.525,"sentiment":"neutral","sentiment_score":-0.14653810063997905}],"sentiment":"negative","sentiment_score":-0.34169684837643916,"channel":1,"num_words":52,"start":113.6,"end":132.525},{"sentences":[{"text":"Yep.","start":134.775,"end":135.275,"sentiment":"neutral","sentiment_score":0.07329396158456802},{"text":"Perfect.","start":136.295,"end":136.795,"sentiment":"neutral","sentiment_score":0.2858268618583679},{"text":"Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation.","start":137.095,"end":150.65001,"sentiment":"neutral","sentiment_score":-0.10597852566118898},{"text":"So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments.","start":151.35,"end":161.775,"sentiment":"neutral","sentiment_score":-0.008704058467768706},{"text":"Do you remember that?","start":161.83499,"end":162.97499,"sentiment":"neutral","sentiment_score":-0.03468130622059107}],"sentiment":"neutral","sentiment_score":-0.05048011747173599,"channel":0,"num_words":61,"start":134.775,"end":162.97499},{"sentences":[{"text":"Yes.","start":163.29,"end":163.79,"sentiment":"neutral","sentiment_score":0.060894906520843506}],"sentiment":"neutral","sentiment_score":0.060894906520843506,"channel":1,"num_words":1,"start":163.29,"end":163.79},{"sentences":[{"text":"Yep.","start":164.31499,"end":164.635,"sentiment":"neutral","sentiment_score":0.1316610872745514},{"text":"Perfect.","start":164.635,"end":165.135,"sentiment":"positive","sentiment_score":0.3935878872871399},{"text":"So everything has been consolidated, which is perfect.","start":165.19499,"end":168.075,"sentiment":"positive","sentiment_score":0.5895410515367985},{"text":"And, obviously, we have your new insurances in place, which is great.","start":168.075,"end":172.655,"sentiment":"positive","sentiment_score":0.6820128311713537},{"text":"The one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if","start":173.03,"end":215.955,"sentiment":"neutral","sentiment_score":-0.19852108042687178}],"sentiment":"neutral","sentiment_score":0.008376537367354992,"channel":0,"num_words":86,"start":164.31499,"end":215.955},{"sentences":[{"text":"Mhmm.","start":215.75,"end":216.25,"sentiment":"neutral","sentiment_score":-0.14353647828102112}],"sentiment":"neutral","sentiment_score":-0.14353647828102112,"channel":1,"num_words":1,"start":215.75,"end":216.25},{"sentences":[{"text":"it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they 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error with the trade.","start":225.555,"end":230.55,"sentiment":"neutral","sentiment_score":-0.01914926102528205},{"text":"Does that make sense then?","start":230.63,"end":232.01001,"sentiment":"neutral","sentiment_score":0.04180019050836563}],"sentiment":"neutral","sentiment_score":-0.0022188578214910296,"channel":0,"num_words":18,"start":225.555,"end":232.01001},{"sentences":[{"text":"Yep.","start":232.325,"end":232.825,"sentiment":"neutral","sentiment_score":0.032321132719516754}],"sentiment":"neutral","sentiment_score":0.032321132719516754,"channel":1,"num_words":1,"start":232.325,"end":232.825},{"sentences":[{"text":"Yep.","start":233.11,"end":233.51001,"sentiment":"neutral","sentiment_score":0.05625347793102264},{"text":"Perfect.","start":233.51001,"end":234.01001,"sentiment":"neutral","sentiment_score":0.1757362186908722},{"text":"Which also then kind of having a look at, obviously, the 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had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it","start":258.255,"end":267.61,"sentiment":"neutral","sentiment_score":-0.07421227555834886}],"sentiment":"neutral","sentiment_score":-0.016588700112215308,"channel":0,"num_words":43,"start":253.855,"end":267.61},{"sentences":[{"text":"Mhmm.","start":267.44,"end":267.94,"sentiment":"neutral","sentiment_score":-0.03997211903333664}],"sentiment":"neutral","sentiment_score":-0.03997211903333664,"channel":1,"num_words":1,"start":267.44,"end":267.94},{"sentences":[{"text":"is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended.","start":267.61,"end":276.34998,"sentiment":"neutral","sentiment_score":-0.013631293084472418}],"sentiment":"neutral","sentiment_score":-0.013631293084472418,"channel":0,"num_words":24,"start":267.61,"end":276.34998},{"sentences":[{"text":"Yeah.","start":277.375,"end":277.875,"sentiment":"neutral","sentiment_score":0.02597740851342678}],"sentiment":"neutral","sentiment_score":0.02597740851342678,"channel":1,"num_words":1,"start":277.375,"end":277.875},{"sentences":[{"text":"So, basically, for you, obviously, you wanna be 100% transparent.","start":277.425,"end":280.965,"sentiment":"neutral","sentiment_score":0.019224870949983597},{"text":"There was an error with that.","start":281.025,"end":282.625,"sentiment":"neutral","sentiment_score":-0.16376237819592157},{"text":"You will not be negatively impacted at all.","start":282.625,"end":285.445,"sentiment":"neutral","sentiment_score":0.16844433825463057},{"text":"And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today.","start":285.905,"end":297.24,"sentiment":"neutral","sentiment_score":0.29851704748237834},{"text":"And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade.","start":298.02,"end":308.58502,"sentiment":"neutral","sentiment_score":0.2141457887037712}],"sentiment":"neutral","sentiment_score":0.195519191050983,"channel":0,"num_words":92,"start":277.425,"end":308.58502},{"sentences":[{"text":"Does 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that management will do that extensive research kind of and assess everything.","start":343.545,"end":352.13998,"sentiment":"neutral","sentiment_score":0.14975330647495058},{"text":"You will also receive a formal letter","start":352.13998,"end":354.32,"sentiment":"neutral","sentiment_score":0.13371836606945312}],"sentiment":"neutral","sentiment_score":0.14305672250114954,"channel":0,"num_words":26,"start":342.825,"end":354.32},{"sentences":[{"text":"Okay.","start":354.755,"end":355.255,"sentiment":"neutral","sentiment_score":0.13196119666099548}],"sentiment":"neutral","sentiment_score":0.13196119666099548,"channel":1,"num_words":1,"start":354.755,"end":355.255},{"sentences":[{"text":"explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you.","start":355.1,"end":363.635,"sentiment":"neutral","sentiment_score":0.18531418327362306},{"text":"So you will also have it in writing and then kind of 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market.","start":464.81,"end":473.39,"sentiment":"neutral","sentiment_score":0.10329419032980998}],"sentiment":"neutral","sentiment_score":0.12234559710379,"channel":0,"num_words":54,"start":454.445,"end":473.39},{"sentences":[{"text":"Yes.","start":473.84,"end":474.075,"sentiment":"neutral","sentiment_score":0.06082570180296898}],"sentiment":"neutral","sentiment_score":0.06082570180296898,"channel":1,"num_words":1,"start":473.84,"end":474.075},{"sentences":[{"text":"So at the moment, do you have any idea when you think you would like to retire?","start":474.01,"end":480.00497,"sentiment":"neutral","sentiment_score":0.027775119332706228},{"text":"Is it still around 67, or has any of that changed for 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so it might look a little bit different through what you have been used through.","start":521.82,"end":529.485,"sentiment":"neutral","sentiment_score":0.03423712506890297}],"sentiment":"neutral","sentiment_score":0.150344089533274,"channel":0,"num_words":39,"start":516.86,"end":529.485},{"sentences":[{"text":"It's kind of the same, though, where it will ask you to click on a link.","start":529.625,"end":533.885,"sentiment":"neutral","sentiment_score":0.018247248779516667},{"text":"Now I believe it says sign now or click here to sign.","start":534.105,"end":537.75,"sentiment":"neutral","sentiment_score":0.0009234086222325759},{"text":"It doesn't mean that when you click on the link, it asks you to sign right away.","start":537.75,"end":541.53,"sentiment":"neutral","sentiment_score":0.013166936552699874},{"text":"It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign 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Netwealth.","start":560.21497,"end":564.875,"sentiment":"neutral","sentiment_score":0.1953821354187452},{"text":"At the moment, you do have about $206,808 in there.","start":565.76,"end":571.77997,"sentiment":"neutral","sentiment_score":0.14439808577299118}],"sentiment":"neutral","sentiment_score":0.1794119656085968,"channel":0,"num_words":25,"start":558.935,"end":571.77997},{"sentences":[{"text":"Yep.","start":572.12,"end":572.62,"sentiment":"neutral","sentiment_score":0.1132827326655388}],"sentiment":"neutral","sentiment_score":0.1132827326655388,"channel":1,"num_words":1,"start":572.12,"end":572.62},{"sentences":[{"text":"And then you also have your insurances with 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we've already touched on employment and everything.","start":1175.99,"end":1181.015,"sentiment":"neutral","sentiment_score":0.20096838846802711},{"text":"Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed.","start":1181.9551,"end":1187.8151,"sentiment":"neutral","sentiment_score":0.08657919282191678}],"sentiment":"neutral","sentiment_score":0.13592109990616638,"channel":0,"num_words":30,"start":1172.87,"end":1187.8151},{"sentences":[{"text":"But I have here that last time, your property was valued at about 650,000.","start":1188.1951,"end":1193.255,"sentiment":"neutral","sentiment_score":0.009748250778232301},{"text":"Is that still the case?","start":1193.3151,"end":1194.7,"sentiment":"neutral","sentiment_score":0.02946215569972992},{"text":"Do you know, or has that gone up a 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you know how long it's estimated to take the renovations at all, or is it about hard to say?","start":1281.31,"end":1286.85,"sentiment":"neutral","sentiment_score":-0.02392037266067096}],"sentiment":"neutral","sentiment_score":-0.02392037266067096,"channel":0,"num_words":21,"start":1281.31,"end":1286.85},{"sentences":[{"text":"I'm hoping everything will be finished by the end of twenty twenty seven.","start":1287.535,"end":1291.535,"sentiment":"neutral","sentiment_score":0.04390455467196611},{"text":"So a 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fine.","start":1713.76,"end":1714.16,"sentiment":"positive","sentiment_score":0.38395312428474426},{"text":"Thank","start":1714.16,"end":1714.455,"sentiment":"positive","sentiment_score":0.5048678517341614}],"sentiment":"positive","sentiment_score":0.42425803343455,"channel":1,"num_words":3,"start":1713.76,"end":1714.455},{"sentences":[{"text":"No worries at all.","start":1715.34,"end":1716.0599,"sentiment":"neutral","sentiment_score":0.23301246017217636},{"text":"Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day.","start":1716.0599,"end":1721.12,"sentiment":"positive","sentiment_score":0.832240274974278},{"text":"And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with 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They emphasize the importance of transparency and risk tolerance and provide updates on retirement plans, insurance coverage, and ongoing service agreements. The speakers also discuss financial goals and retirement plans, updating personal information and confirm retirement goals for the rest of the year. They provide documents and forms to customers and offer assistance with updating their property values and health and lifestyle information."},"intents":{"segments":[{"text":"I had you booked in this afternoon to go over your under review. Is now still a good time for you?","start_word":23,"end_word":43,"intents":[{"intent":"Set up review","confidence_score":0.0005541732}]},{"text":"I just feel like I'm not like, my my sleep is not growing at all. You know? So I'm just wondering, is there anything that we can do to help that along?","start_word":339,"end_word":370,"intents":[{"intent":"Help with sleep growth","confidence_score":0.02413472}]},{"text":"I just feel like I'm not like, my my sleep is not growing at all. You know? So I'm just wondering, is there anything that we can do to help that along? Yep.","start_word":339,"end_word":371,"intents":[{"intent":"Resolve investment imbalance","confidence_score":0.0008900334}]},{"text":"And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it Mhmm. is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended. Yeah.","start_word":632,"end_word":690,"intents":[{"intent":"Address market fluctuations","confidence_score":0.020860545}]},{"text":"So, basically, for you, obviously, you wanna be 100% transparent. There was an error with that.","start_word":691,"end_word":706,"intents":[{"intent":"Clarify transparent investment advice","confidence_score":0.00001714987}]},{"text":"So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well. Yep.","start_word":791,"end_word":845,"intents":[{"intent":"Discuss investment adjustments","confidence_score":0.00068037276}]},{"text":"So it's kind of somewhere in the middle where you are still obviously focusing on growth. Yeah.","start_word":1088,"end_word":1104,"intents":[{"intent":"Maximize growth","confidence_score":0.81529933}]},{"text":"To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well. Sure.","start_word":1192,"end_word":1211,"intents":[{"intent":"Limit fluctuations","confidence_score":0.9691258}]},{"text":"So at the moment, do you have any idea when you think you would like to retire? Is it still around 67, or has any of that changed for you?","start_word":1267,"end_word":1296,"intents":[{"intent":"Determine retirement age","confidence_score":0.26031888},{"intent":"Determine retirement time","confidence_score":0.08169163}]},{"text":"Now what I have done is I have to send you an email with some documents to run over. Do you have access to your emails at the moment?","start_word":1361,"end_word":1389,"intents":[{"intent":"Send documents","confidence_score":0.45381674}]},{"text":"Do you have access to your emails at the moment?","start_word":1380,"end_word":1389,"intents":[{"intent":"Access emails","confidence_score":0.32701662}]},{"text":"It doesn't mean that when you click on the link, it asks you to sign right away. It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything. Sure. Okay.","start_word":1459,"end_word":1507,"intents":[{"intent":"Assist with signing","confidence_score":0.0017990014}]},{"text":"So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361. Yep.","start_word":1566,"end_word":1618,"intents":[{"intent":"Check insurance coverage","confidence_score":0.004634777}]},{"text":"Now when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base?","start_word":1619,"end_word":1642,"intents":[{"intent":"Clarify income status","confidence_score":0.0020007254}]},{"text":"Are you still doing are you still working as a midwife, or has any of Yeah. that changed?","start_word":1655,"end_word":1672,"intents":[{"intent":"Clarify retirement","confidence_score":0.0000041117914}]},{"text":"Do you have any questions in regards to your insurances, or you happy with them? Do you wanna make any changes? Sure.","start_word":1723,"end_word":1744,"intents":[{"intent":"Ask about insurance alignment","confidence_score":0.003608625}]},{"text":"Now the next document should be your network performance report. Yep.","start_word":1755,"end_word":1765,"intents":[{"intent":"Confirm network performance report","confidence_score":0.0007745004}]},{"text":"So you can basically see on this one here all your different investments, how they have performed.","start_word":1789,"end_word":1805,"intents":[{"intent":"Provide investment information","confidence_score":0.013998175}]},{"text":"And if you scroll down through page two, it says total portfolio performance. Can you see that?","start_word":1807,"end_word":1823,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.4906671}]},{"text":"Now next document should be your Zurich Yep. certificate of currency if I'm correct. Yep. So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you. No. Yep.","start_word":2223,"end_word":2271,"intents":[{"intent":"Confirm document details","confidence_score":0.06567062}]},{"text":"Do you have any questions in regards to anything regards to the fee structure? Okay.","start_word":2655,"end_word":2669,"intents":[{"intent":"Clarify fee structure and form of signature","confidence_score":0.0004439509}]},{"text":"Now it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number.","start_word":2686,"end_word":2736,"intents":[{"intent":"Provide tax file number and compliance form","confidence_score":0.047852542}]},{"text":"Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all.","start_word":2842,"end_word":2891,"intents":[{"intent":"Run through fact find and make adjustments to advice","confidence_score":0.007882493}]},{"text":"I suppose it depends on how official you want it, but I feel like the main property value has gone up to about $7.50 here. Mhmm.","start_word":3163,"end_word":3188,"intents":[{"intent":"Update property value","confidence_score":0.42753434}]},{"text":"So I've actually refinanced and and I've taken out some extra money to do some work around the house.","start_word":3274,"end_word":3292,"intents":[{"intent":"Refinanced","confidence_score":0.6909476}]},{"text":"So I've actually refinanced and and I've taken out some extra money to do some work around the house. So it's actually $5.75. Now? Okay. Yep. Perfect. So 75. Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house. So you've Yep.","start_word":3274,"end_word":3336,"intents":[{"intent":"Renovate house","confidence_score":0.0148939695}]},{"text":"Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which Yeah.","start_word":3374,"end_word":3393,"intents":[{"intent":"Increase property value","confidence_score":0.9221335}]},{"text":"Are you doing anything yourself, or are you kind of outsourcing most of it? The majority of I'm doing myself. It's only the stuff that I can't do that I'm outsourcing. Yeah.","start_word":3468,"end_word":3499,"intents":[{"intent":"Outsourcing","confidence_score":0.367135}]},{"text":"Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation. Yep.","start_word":3510,"end_word":3533,"intents":[{"intent":"Use offset account","confidence_score":0.4751813}]},{"text":"a a couple of sort of verandas and a carport built.","start_word":3609,"end_word":3619,"intents":[{"intent":"Build verandas","confidence_score":0.44962758}]},{"text":"So it's just that sort of big stuff that will will suck up all my money. Yep.","start_word":3621,"end_word":3637,"intents":[{"intent":"Manage finances","confidence_score":0.45246094}]},{"text":"And have you had any changes, significant health issues, or injuries, or anything in the last twelve months? No. Nothing.","start_word":3977,"end_word":3996,"intents":[{"intent":"Answer questions about health issues","confidence_score":0.000003090022}]},{"text":"And estate planning, we've already touched on your beneficiaries, which is all, up to date.","start_word":4002,"end_word":4016,"intents":[{"intent":"Discuss estate planning","confidence_score":0.41798913},{"intent":"Discuss will and estate planning","confidence_score":0.08279384},{"intent":"Confirm plan","confidence_score":0.0006586047}]},{"text":"I always tell everyone that you should have a Yep. will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible. But, Yes.","start_word":4119,"end_word":4167,"intents":[{"intent":"Discuss will documents","confidence_score":0.011767236},{"intent":"Discuss will options","confidence_score":0.041141}]},{"text":"Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay. Well, what happened the last twelve months? Have any of your goals changed?","start_word":4251,"end_word":4303,"intents":[{"intent":"Discuss goals","confidence_score":0.062730074},{"intent":"Check on goals","confidence_score":0.030675959}]},{"text":"Obviously, finish off the renovations, and then making sure your super is on track Yes. for retirement.","start_word":4311,"end_word":4327,"intents":[{"intent":"Complete renovations and keep super on track","confidence_score":0.00017928948}]},{"text":"Is it also kind of focusing on paying down the mortgage?","start_word":4327,"end_word":4337,"intents":[{"intent":"Pay down mortgage","confidence_score":0.70523244}]},{"text":"I would like to go into retirement with no mortgage. That's my plan. Yeah.","start_word":4393,"end_word":4406,"intents":[{"intent":"Go into retirement with no mortgage","confidence_score":0.15538034}]},{"text":"No. I think I just need to wait for you. Like, we were talking about that conciliation reconciliation Yes. about the whole investment side of things. Yes. So wait until all of that comes through. And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know? Yes.","start_word":4444,"end_word":4502,"intents":[{"intent":"Wait for outcome","confidence_score":0.019300712}]}]},"sentiments":{"segments":[{"text":"Hello? Anne speaking. Good afternoon. This is Veronica from OQ Financial. How are you?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2318258136510849},{"text":"Good. Thank you. How are you? I'm good. Thanks. I had you booked in this afternoon to go over your under review.","start_word":14,"end_word":35,"sentiment":"positive","sentiment_score":0.4501800835132599},{"text":"Is now still a good time for you? Yes. It is. But can you Yep. just speak up? You're very, very quiet. Let me have a look here. I do have it on max volume. Let me see. I can adjust. Is that any better? It's it's fine. It it it is very quiet, but I can't I can't hear you. Okay. If if you can't hear me at any point, just let me know, and I'll try to just yell a little bit. So I apologize to my colleague, but I'm sure that's fine. If you can't hear me, though, just let me know. Yep. No worries. Yep.","start_word":36,"end_word":144,"sentiment":"neutral","sentiment_score":-0.07088038325309753},{"text":"Perfect.","start_word":145,"end_word":145,"sentiment":"positive","sentiment_score":0.3431205153465271},{"text":"Now and before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay. Perfect. Yep. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm just your full name, date of birth, and address, please? Anne Margaret Donald. Twenty third of the tenth nineteen seventy one. 10 Mount Toms Road, Lobethal. Yep.","start_word":146,"end_word":227,"sentiment":"neutral","sentiment_score":0.054125748574733734},{"text":"Perfect. That's exactly what I have here.","start_word":228,"end_word":234,"sentiment":"positive","sentiment_score":0.4522823095321655},{"text":"And how's your day been so far? I've been busy. Oh, you're nothing too dramatic. I had a day Yeah. off today.","start_word":235,"end_word":256,"sentiment":"neutral","sentiment_score":-0.02011643350124359},{"text":"Oh, lovely. That's great.","start_word":257,"end_word":260,"sentiment":"positive","sentiment_score":0.4727325439453125},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. I I suppose I probably only have one concern and and there's probably nothing that you can do about it.","start_word":261,"end_word":337,"sentiment":"neutral","sentiment_score":-0.0848105177283287},{"text":"I just feel like I'm not like, my my sleep is not growing at all. You know?","start_word":338,"end_word":354,"sentiment":"negative","sentiment_score":-0.5948551297187805},{"text":"So I'm just wondering, is there anything that we can do to help that along? Yep. Perfect. Now I did actually have a look through everything, and I did find that there's been a bit of an error when we placed the trade with your superannuation. So do you remember when we went through the, like, strategy recommendation last year to consolidate everything, get your insurances, and update some of your investments. Do you remember that? Yes. Yep.","start_word":355,"end_word":432,"sentiment":"neutral","sentiment_score":-0.05751035362482071},{"text":"Perfect. So everything has been consolidated, which is perfect. And, obviously, we have your new insurances in place, which is great.","start_word":433,"end_word":453,"sentiment":"positive","sentiment_score":0.62260502576828},{"text":"The one thing I did notice, which I have flagged with management, is that when they placed the trade to change your investment as per the recommendation that we did go through, that didn't seem to have happened, which also contributes to why your super has been a little bit more stagnant because we didn't actually move through their recommended investments, the And if Mhmm. it was a situation that you were disadvantaged by obviously not having that trade placed when you should have been, they will Right. compensate you so Okay. that Cool. you are not negatively affected at all by the error with the trade. Does that make sense then? Yep. Yep. Perfect. Which also then kind of having a look at, obviously, the investments. And the good thing is that when we did do the recommendation, some of the investments that I did recommend that we moved out of are the ones that have kind of been very slow performing this last twelve months. Yep. So that should also see that, obviously, things moving forward. And even though we've obviously had a bit of market fluctuation and turbulence in the last twelve months, obviously, with everything going on with, like, the war and The US and everything, it Mhmm. is obviously natural to see a bit of fluctuations, but it should have grown a little bit more with the investments that were recommended. Yeah. So, basically, for you, obviously, you wanna be 100% transparent. There was an error with that. You will not be negatively impacted at all. And I have raised it with management, like I said, that they will review basically comparing well if the trade did go ahead as per it should've, what where would you have been today. And if it was that you were better off, then they will compensate the change for you and making sure that you are not negatively impacted at all by the error with the trade. Does that Sure. make sense? Yep. Yep.","start_word":454,"end_word":789,"sentiment":"neutral","sentiment_score":-0.005002012232407218},{"text":"Perfect. So that should also see kind of your concerns with the investment being a bit rectified as well with, obviously, moving into those kind of investments we spoke about last time, which you put in a little bit better position and being a bit more kind of diversified and global for you as well.","start_word":790,"end_word":844,"sentiment":"positive","sentiment_score":0.3792296051979065},{"text":"Yep. Do you have any concerns or questions in regards to any of that? No. I suppose until you actually, sort of go through that reconciliation process. It's a bit hard to know exactly Yes. where I stand. So yeah. Yes. So what will basically happen is that management will do that extensive research kind of and assess everything. You will also receive a formal letter Okay. explaining kind of the outcome and if there was any, like I said, that you were aware of, then that will kind of display an outcome, all of that for you. So you will also have it in writing and then kind of moving forward. And then, obviously, that makes a little bit more sense probably once we have all that information Sure. for you. But just Yep. rest assured, I have flagged there with management, and they're currently working through that. Okay. Yep. Now, obviously, when it comes to your superannuation, otherwise, we have you invested in that growth portfolio. Do you remember speaking about that last time? We went through a pretty in-depth of what it means and risk tolerance and stuff like that. Yes. Yep. Perfect. And do you still kind of remember what it means to be a growth investor? Mhmm. I probably couldn't, like, rattle it off the top of my head, but I I know but I just want solid growth, but I don't wanna, like, risk everything. Yeah. Exactly. So it's kind of somewhere in the middle where you are still obviously focusing on growth. Yeah. You Yep. do wanna obviously maximize that growth where you still have, you know, time until retirement. You wanna make sure your money is working hard for you, but it's not where you are in, like, an aggressive and a high growth portfolio seeing a bit more fluctuations.","start_word":845,"end_word":1152,"sentiment":"neutral","sentiment_score":0.0880270954221487},{"text":"So it is kind of that somewhere good in the middle where the main focus is growth.","start_word":1153,"end_word":1169,"sentiment":"positive","sentiment_score":0.3384568989276886},{"text":"We do still have about 20% in your defensive investment. So that is Yes. things like, you know, cash, gold, fixed interest. To kinda limit those fluctuations a little bit, but the main focus is that 80% in growth as well. Sure. Now when it comes to time frame, so, obviously, we also wanna make sure that we have enough time in the market for those fluctuations to to come back around. Typically, we would like to see about six years or so until retirement in making sure that you have enough time in the market. Yes. So at the moment, do you have any idea when you think you would like to retire? Is it still around 67, or has any of that changed for you? No. I mean, I'm not anticipating that I'd be able to retire any earlier than that, to be honest. Unless, Okay. you know, something dramatically changes in my favor. Yep. I can't see that that would be happening. Okay. Yep.","start_word":1170,"end_word":1336,"sentiment":"neutral","sentiment_score":0.03916043043136597},{"text":"Perfect. Hopefully, you win the lottery.","start_word":1337,"end_word":1342,"sentiment":"positive","sentiment_score":0.3641513288021088},{"text":"Give me a call one day, but, Yeah. otherwise, we'll we'll we'll kind of keep it at that. Now what I have done is I have to send you an email with some documents to run over. Do you have access to your emails at the moment? Yep. Yep. Okay.","start_word":1343,"end_word":1392,"sentiment":"neutral","sentiment_score":0.05281602963805199},{"text":"Perfect. If you can access that for me, that would be great.","start_word":1393,"end_word":1404,"sentiment":"positive","sentiment_score":0.3963462710380554},{"text":"Now we have recently changed the software where as well, so it might look a little bit different through what you have been used through. It's kind of the same, though, where it will ask you to click on a link. Now I believe it says sign now or click here to sign. It doesn't mean that when you click on the link, it asks you to sign right away. It will allow you to open up open up and look at all the documents first just to make sure you are happy before it prompts you to sign anything. Sure. Okay. Well, I've I've I've linked it. Okay.","start_word":1405,"end_word":1513,"sentiment":"neutral","sentiment_score":0.047896963826149976},{"text":"Perfect.","start_word":1514,"end_word":1514,"sentiment":"positive","sentiment_score":0.4245055615901947},{"text":"So can you see the first document? It should say super and insurance summary. Yep. Yep.","start_word":1515,"end_word":1530,"sentiment":"neutral","sentiment_score":0.14838331937789917},{"text":"Perfect.","start_word":1531,"end_word":1531,"sentiment":"positive","sentiment_score":0.350283145904541},{"text":"Now you can see here that you do have your superannuation with Netwealth. At the moment, you do have about $206,808 in there. Yep. And then you also have your insurances with Zurich. Mhmm. So you have your life insurance, so that's 326,000, your total permanent disability insurance, so 311,000, and then also your income protection policy, and that will pay you a monthly amount of $6,358 per month with a ninety day waiting period, a two year benefit period, and the total premium is 4,361. Yep. Now when it comes to your insurances as well, has your income changed much, or is it still around that 109,000 as a base? And then, obviously, over time, depending on, obviously, different shifts and stuff. Are you still doing are you still working as a midwife, or has any of Yeah. that changed? Then nothing's Okay. Perfect. No. That's good. The reason I do ask is, obviously, if your income is drastically changing at any point in time, just let me know if we do wanna revisit, obviously, that monthly amount just to make sure it's changed. still kind of aligning with you. Do you have any questions in regards to your insurances, or you happy with them? Do you wanna make any changes? Sure. No. No changes at No. this stage. Yes.","start_word":1532,"end_word":1752,"sentiment":"neutral","sentiment_score":0.05053735896945},{"text":"Great.","start_word":1753,"end_word":1753,"sentiment":"positive","sentiment_score":0.3541039228439331},{"text":"Perfect. Now the next document should be your network performance report. Yep. Yep. Perfect. Now like I said here, this isn't really this is what it is currently.","start_word":1754,"end_word":1781,"sentiment":"neutral","sentiment_score":-0.028972631320357323},{"text":"That's not what you should be in.","start_word":1782,"end_word":1788,"sentiment":"negative","sentiment_score":-0.3534218966960907},{"text":"So you can basically see on this one here all your different investments, how they have performed. And if you scroll down through page two, it says total portfolio performance. Can you see that? Yep. Yes. And you can see here that if we didn't make any changes at all last year and remained the same, then what obviously would have happened in the last twelve months after fees is that you can see, like you said, as well, it has been a bit stagnant, and it has only grown by about 2.02% after fees. But Yep.","start_word":1789,"end_word":1885,"sentiment":"neutral","sentiment_score":-0.04970738038267057},{"text":"like I said, the good thing is that we did do advise last year and move you out of some of those investments that was underperforming, which was great, especially because it's before the drop, which is very good timing.","start_word":1886,"end_word":1925,"sentiment":"positive","sentiment_score":0.372507780790329},{"text":"And like I said, we will completely investigate all of that for you. Sure. Yep. Now if you can click on the next one for me, it should be your Vanguard index chart, I believe. Yep. Yep.","start_word":1926,"end_word":1962,"sentiment":"neutral","sentiment_score":0.17223972082138062},{"text":"Perfect.","start_word":1963,"end_word":1963,"sentiment":"positive","sentiment_score":0.4363511800765991},{"text":"And do you remember going through this last year as well? Yes. Certainly. Yep. Yeah. Basically, every year, Vanguard does release a new one. So the next one is due to come out anytime soon because they kind of do it at their financial year shift. It is kind of a good way just to kind of look at things and basically see what we are talking about when we are talking about the market. Now you can kind of see here that it goes from 1995 through to 2025, and it shows Yes. you kind of all the ups and downs of the market. Now how this one is also good is it then breaks down the different asset classes and how they have moved. So referring back to that kind of growth portfolio for you, the 80% growth investment is a combination of your top four. So you'll Okay. have your US share, which is, like, your light green line, which Yes. you can see are the ones that that grow the most, but they also fluctuate. You have Australian shares, which is, like, your darker green line, your international shares, which is, like, your yellow, and then your property, which is, like, your maroon color. So that's Yes. kind of, like, your your growth component. And then that 20% of defensive is like those bottom three, which you can see are a bit more stable. They don't grow as much, but they don't fluctuate too much either. Does that all Yep. make sense? Yep. Yep.","start_word":1964,"end_word":2221,"sentiment":"neutral","sentiment_score":0.10234726590010548},{"text":"Perfect.","start_word":2222,"end_word":2222,"sentiment":"positive","sentiment_score":0.6687384247779846},{"text":"Now next document should be your Zurich Yep. certificate of currency if I'm correct. Yep. So you will have two copies that basically just breaks down your insurances in a bit more details, but just lets you know that's all paid and up to date for you. No. Yep.","start_word":2223,"end_word":2271,"sentiment":"neutral","sentiment_score":0.2357768416404724},{"text":"Perfect.","start_word":2272,"end_word":2272,"sentiment":"positive","sentiment_score":0.3493335545063019},{"text":"Now the next document will is that your ongoing service agreement with Netwealth? Please It's consent the to services ongoing guide. fee. Okay. Perfect. So the services guide is just an updated version. It is one of that compliance forms, but it does tell you all the important information in regards to us here at. None of the important information has changed, but we've had a bit of an extension to the team, which is good, but then also a bit of update through marketing. So if you do have a bit of a read over it, and I'll let you do that in your own time as well so I don't keep you here for for too long. But it does kind of give you all the important information as you scroll through as well. You will see the directors and our advice team. You'll also see myself there on page 10, I believe, if you do wanna put a face to the voice again. So Yep.","start_word":2273,"end_word":2440,"sentiment":"neutral","sentiment_score":0.1614520698785782},{"text":"Perfect.","start_word":2441,"end_word":2441,"sentiment":"positive","sentiment_score":0.4403552114963531},{"text":"Now the next document, what is that one for you, Anne? it is financial financial services card. Yep. So that one is just kind of a smaller version of the other document. Again, just a compliance forms just breaks down the important information. Now I do also wanna let you know that none of the fee structure has changed.","start_word":2442,"end_word":2500,"sentiment":"neutral","sentiment_score":0.19918477535247803},{"text":"So it's not increased or anything like that, which is good. It stays exactly the same at that 1.65 from superannuation for you.","start_word":2501,"end_word":2523,"sentiment":"positive","sentiment_score":0.39687517285346985},{"text":"So Yep. Now next document. and last phase consent renewal. Yep. So this is the one with Netwealth.","start_word":2524,"end_word":2541,"sentiment":"neutral","sentiment_score":0.1036033183336258},{"text":"And that is to say if you are happy obviously, that is to say that you are happy to stay on as a client.","start_word":2542,"end_word":2565,"sentiment":"positive","sentiment_score":0.47941526770591736},{"text":"Now like I said, no changes to the free structure, but I do also want to let you know that it is not a locking contract. So if at any point in time you are not happy, it is not a locked in contract. It is something you have to sign every twelve months if you would like to stay on as a client, but that's not does not mean that you are locked in for twelve months because it does get deducted on a monthly basis for you. Do you have any questions in regards to anything regards to the fee structure? Okay. No. No. I don't think I think that's pretty straightforward. Still make sense? Yep. Yep.","start_word":2566,"end_word":2684,"sentiment":"neutral","sentiment_score":0.02483442425727844},{"text":"Perfect.","start_word":2685,"end_word":2685,"sentiment":"positive","sentiment_score":0.5284355878829956},{"text":"Now it will ask you there if you are happy to do so with a signature, and then there is one more form as well after that that it will ask you for a signature again if you are happy, and that is the option to provide a tax file number.","start_word":2686,"end_word":2736,"sentiment":"neutral","sentiment_score":0.256761759519577},{"text":"It is another compliance form for you, Basically, just to say that we are keeping your tax file number secure and safe on file.","start_word":2737,"end_word":2760,"sentiment":"positive","sentiment_score":0.341765820980072},{"text":"You not have my tax phone number on record? Yes. We do. So you don't need to provide it or anything like that.","start_word":2761,"end_word":2783,"sentiment":"neutral","sentiment_score":0.19554901123046875},{"text":"It is just literally a compliance form to say that we do have it, and we Yep. are keeping it secure and safe on file.","start_word":2784,"end_word":2808,"sentiment":"positive","sentiment_score":0.37886711955070496},{"text":"So it's not like you have to provide it or anything like that. Sure. Yep. Any questions? And that No. should That's be the last all. document. Yeah. That's all done. Okay.","start_word":2809,"end_word":2840,"sentiment":"neutral","sentiment_score":0.05823688581585884},{"text":"Beautiful.","start_word":2841,"end_word":2841,"sentiment":"positive","sentiment_score":0.5117883086204529},{"text":"Now what I do also wanna run through with you, it is just a bit of an updated fact find just to see if there is anything, like, major that has changed in your life, if we need to make any other tweaks and changes to your advice at all. So just kind of bear with me as I go through this just to make sure that's all still aligning for you. Now when it comes to your personal information, I have you down here as single with no financial dependents. Your daughters are a bit older. Is that correct? Correct. Yep. And next up, Kane, so in the event that something were to happen to you, I do have here Ashley nominated. That's still the case as well. It should have two nominees, Ashley and Chelsea. I have for the beneficiary forms. I have both of them. So that is if something were to happen, your super and your insurances will divide it and split fifty fifty between Ashley and Chelsea. But for contact number, I only have Yep. an Ashley nominated. Would you like to add Chelsea as well? Yeah. You can put her as as so it could go either way. Yep. Yep. Okay. And I already have her name from the beneficiary forms. Just the best contact number for Chelsea? It is 044904 Yep. 4 Two four four. Yep. 823. 823. Beautiful. And you said you have no preference on who to call. It's just whoever's available, No. I'm not essentially? yet. That's Yeah. wrong. Okay. Good.","start_word":2842,"end_word":3102,"sentiment":"neutral","sentiment_score":0.11060615317803232},{"text":"Great.","start_word":3103,"end_word":3103,"sentiment":"positive","sentiment_score":0.4153221845626831},{"text":"Now we've already touched on employment and everything. Now asset wise, I do wanna confirm if what I have here is correct or if anything has changed. But I have here that last time, your property was valued at about 650,000. Is that still the case? Do you know, or has that gone up a little I think bit? I suppose it depends on how official you want it, but I feel like the main property value has gone up to about $7.50 here. Mhmm. So I thought you could probably update that. Yeah. And that's right. Because the they do have changed also. And most of the time, unless you've had a recent evaluation, it is a little bit tricky. And Yeah. often people use exactly like that. They'll check what's what's in the area or even sometimes on real estate. It will tell you, like, a a rough guide, Yeah. but $7.","start_word":3104,"end_word":3257,"sentiment":"neutral","sentiment_score":-0.01311449334025383},{"text":"50 is perfect.","start_word":3257,"end_word":3259,"sentiment":"positive","sentiment_score":0.4197154641151428},{"text":"So I will just update that. Now mortgage, I have around 511,000. Yeah. So I've actually refinanced and and I've taken out some extra money to do some work around the house. So it's actually $5.75. Now? Okay. Yep.","start_word":3260,"end_word":3298,"sentiment":"neutral","sentiment_score":0.08928692589203517},{"text":"Perfect. So 75. Which which is good as well because I know that when we spoke last time to the under review, one of your goals was through do some renovations at the house.","start_word":3299,"end_word":3332,"sentiment":"positive","sentiment_score":0.3588806092739105},{"text":"So you've Yep. obviously done that, but Yeah. you're still Well, kind I of I working it through it. yeah. It's it's in in the process of planning and etcetera, you know, all the fun and games of project managing. Yeah. Well, hopefully, as well, you should also, obviously, increase a bit of the property value there for you, which Yeah.","start_word":3333,"end_word":3393,"sentiment":"neutral","sentiment_score":0.1732199341058731},{"text":"which I'm sure will be nice.","start_word":3394,"end_word":3399,"sentiment":"positive","sentiment_score":0.4261721670627594},{"text":"Eventually, Do you yes. know do you know how long it's estimated to take the renovations at all, or is it about hard to say? I'm hoping everything will be finished by the end of twenty twenty seven. So a bit Oh, of yeah. a slow slog, but I'm I'm wanting everything sort of all well and truly done by the end of next year. Yes. Oh, beautiful. Are you doing anything yourself, or are you kind of outsourcing most of it? The majority of I'm doing myself. It's only the stuff that I can't do that I'm outsourcing. Yeah. Oh, that's really good. I wish I could. Definitely can't. Now I also have here that you had about 78 in an offset account that you were planning on using for the renovation. Yep. Is that have you and did you end up using that, or do you still have some sitting in an offset account? I still have it sitting in the offset account. I think I'm I've got about a 120 or something sitting there. Yep. But that will probably the majority of that will use up by the end of the year Yep. Okay. for Perfect. the big stuff that's about to happen. So having Yep. a a couple of sort of verandas and a carport built.","start_word":3400,"end_word":3619,"sentiment":"neutral","sentiment_score":0.000755474204197526},{"text":"So it's just that sort of big stuff that will will suck up all my money.","start_word":3620,"end_word":3635,"sentiment":"negative","sentiment_score":-0.6522247195243835},{"text":"Yep. At least, hopefully, if you do it a little bit gradually, though, it's not, hopefully, as as big of a lump sum at one time, and it's kind of a little bit slower eventually. Yeah. Well, all of the big stuff will be done by the end of this year, I think. And then next year, it'll just be more sort of decorating rather than the expensive stuff. So Yep. although the one big the final expense that is will be I need to redo the bathroom. I So that will be my final push at the end of next year. That's the last am. thing Okay. I wanna do. I wanna try and get everything else organized first. Yep. Yeah. So yeah. Oh, that It's was exciting. all expensive stuff. Yes.","start_word":3636,"end_word":3768,"sentiment":"neutral","sentiment_score":-0.030352933332324028},{"text":"But, hopefully, it pays off in the end, and, yeah, the the equity will will go up for you. Oh, absolutely. It'll all be worth it in the end.","start_word":3769,"end_word":3797,"sentiment":"positive","sentiment_score":0.5044516921043396},{"text":"Yeah.","start_word":3798,"end_word":3798,"sentiment":"neutral","sentiment_score":0.30967873334884644},{"text":"Yes. Especially if you're doing it yourself, it's obviously a bit more cost effective as well.","start_word":3799,"end_word":3814,"sentiment":"positive","sentiment_score":0.34328755736351013},{"text":"Yeah. Yeah. So the I suppose there's lots of stuff that I can do that helps save a little bit of money here and there, Oh, that's which good.","start_word":3815,"end_word":3843,"sentiment":"neutral","sentiment_score":0.2809203267097473},{"text":"is good.","start_word":3844,"end_word":3845,"sentiment":"positive","sentiment_score":0.3924102783203125},{"text":"Yeah. Yeah. Now and I also have here a Yep. motor vehicle of about 50,000. Is that still the case as well? Then Yep. Yep. Perfect. And you didn't have anything owing on that one? no. No. Great. I also have a credit card of about $2,000. Yeah. I just have a that's just my rolling account. That's just what I use. Yeah. Is that card more for, like, points and stuff and you pay it off each month? Yeah. Yep. Okay. Yeah. No. I'll just remove that back. It's not especially if you do clear it all the time. Any other assets that's changed at all? Any motorbikes or Yep. boats or anything else? No. Nothing's Nope. Nope.","start_word":3846,"end_word":3964,"sentiment":"neutral","sentiment_score":0.04474743718610091},{"text":"Perfect.","start_word":3965,"end_word":3965,"sentiment":"positive","sentiment_score":0.3867359757423401},{"text":"And health and lifestyle wise, still a nonsmoker? changed. Correct. Yep. And have you had any changes, significant health issues, or injuries, or anything in the last twelve months? No. Nothing. No. Nothing's changed. Yeah.","start_word":3966,"end_word":4000,"sentiment":"neutral","sentiment_score":0.026517456397414207},{"text":"Great. And estate planning, we've already touched on your beneficiaries, which is all, up to date.","start_word":4001,"end_word":4016,"sentiment":"positive","sentiment_score":0.4170691668987274},{"text":"I do also have here that last time we spoke, you were on the to do list anyway to have a look at a will. Did you end up having a look at that, or is that still kind of on the cards? It's something that I've never it's it's not it it I still haven't done it. So I don't really know. I don't know. Yeah. It just hasn't been high on my priority list, unfortunately. Yep. Yeah. And and to be fair, most people are the same. I do always say it is good to consider.","start_word":4017,"end_word":4114,"sentiment":"neutral","sentiment_score":-0.03377113491296768},{"text":"Obviously, it's always good. I always tell everyone that you should have a Yep. will or a power of attorney just to obviously if something ever were to happen to try and obviously streamline the distribution of your estate and, obviously, make it as nice and quick and easy as possible.","start_word":4115,"end_word":4165,"sentiment":"positive","sentiment_score":0.3663327693939209},{"text":"But, Yes. obviously, the choice is completely up to you, and you can obviously go through a lawyer, which is the most comprehensive way. But also understand that, obviously, it's more expensive. Even just like a little bill kit for the post office is better than nothing. Yeah. Just, obviously, if you do end up doing that, just make sure you read it carefully and complete it correctly. So if something were to happen, it does hold up in court as well. Sure. Yep.","start_word":4166,"end_word":4249,"sentiment":"neutral","sentiment_score":0.09112230688333511},{"text":"Perfect.","start_word":4250,"end_word":4250,"sentiment":"positive","sentiment_score":0.4120475947856903},{"text":"Now, otherwise, I guess, when it comes to kind of goals and stuff that you were kind of working it through it, Doing the under review is good to kind of do a bit of a check-in to see, okay. Well, what happened the last twelve months? Have any of your goals changed? It seems like it's pretty similar. Obviously, finish off the renovations, and then making sure your super is on track Yes. for retirement. Is it also kind of focusing on paying down the mortgage? Is that also kind of a side Absolutely. goal for you? Yeah. Okay. Yeah.","start_word":4251,"end_word":4351,"sentiment":"neutral","sentiment_score":0.12594385526262888},{"text":"Perfect. Anything else that you are working towards that you are wanting to achieve at all?","start_word":4352,"end_word":4367,"sentiment":"positive","sentiment_score":0.41439950466156006},{"text":"No. At this stage, that's my main priority is the renovations and paying down the mortgage as soon as I can. Yep. So Yep.","start_word":4368,"end_word":4391,"sentiment":"neutral","sentiment_score":0.0017009578878059983},{"text":"Perfect. I would like to go into retirement with no mortgage. That's my plan. Yeah. Oh, that's that's good. And now that was essentially everything that I needed to go through with you, Anne.","start_word":4392,"end_word":4425,"sentiment":"positive","sentiment_score":0.47296804189682007},{"text":"Yep. Do you have any questions or anything for me while you do have me on the phone? No. I think I just need to wait for you. Like, we were talking about that conciliation reconciliation Yes. about the whole investment side of things. Yes. So wait until all of that comes through. And I I suppose once I've had a look at that, if I've got any questions, I can I can let you know? Yes. Definitely do. Now the letter will come from our head of advice, Larissa, but I will also be informed of the outcome as well so that I know. If you do have any, like, questions or anything when you get it or any concerns or anything like that, just please give me a call, and I'm more than happy to go through it. But I'll keep a lookout on that. And like I said, I have passed it on, and they are kind of working through it at the moment for you. Yep. Okay. No problem. Yep.","start_word":4426,"end_word":4599,"sentiment":"neutral","sentiment_score":0.15600693225860596},{"text":"Perfect.","start_word":4600,"end_word":4600,"sentiment":"positive","sentiment_score":0.5016394853591919},{"text":"If there is anything else you need, though, irrespective of that conciliation, if there's anything else that you needed at any point in time, don't hesitate to give me a call or send me an email.","start_word":4601,"end_word":4636,"sentiment":"neutral","sentiment_score":0.20066778361797333},{"text":"I'm always here if you need anything.","start_word":4637,"end_word":4643,"sentiment":"positive","sentiment_score":0.33675453066825867},{"text":"Okay. No problem. Yep.","start_word":4644,"end_word":4647,"sentiment":"neutral","sentiment_score":0.22430065274238584},{"text":"That's fine. Thank No worries at all. Well, thank you so much for your time this afternoon, Anne, and I hope you enjoy the rest of your day. And like I said, just keep a lookout for that remediation as well, and we'll see, you know, moving forward for you as well with those you.","start_word":4648,"end_word":4702,"sentiment":"positive","sentiment_score":0.5265752499753779},{"text":"investments. Okay.","start_word":4703,"end_word":4704,"sentiment":"neutral","sentiment_score":0.191975861787796},{"text":"Thanks, Veronica. Yep. No problem.","start_word":4705,"end_word":4709,"sentiment":"positive","sentiment_score":0.4205019772052765},{"text":"We'll speak soon.","start_word":4710,"end_word":4712,"sentiment":"neutral","sentiment_score":0.3267821967601776},{"text":"Okay. Thank you.","start_word":4713,"end_word":4715,"sentiment":"positive","sentiment_score":0.524634063243866},{"text":"Bye bye. Okay. Bye. Bye.","start_word":4716,"end_word":4720,"sentiment":"neutral","sentiment_score":0.2091803997755051}],"average":{"sentiment":"neutral","sentiment_score":0.09815600481982335}}}}