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Yep. Perfect. Now just before I do go any further, I do need to let you know that these calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for you. Do you know where that might be? Yep. Perfect. That's exactly what I have here. How's your morning been? Been busy? Yeah. Yeah. Pretty good. So far, it's a bit rainy here on the coast, but otherwise, it's not too bad. Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie. Mhmm. But I also noticed that your under review is actually due now. So if you don't mind, I thought we could just do all that the one go for you if you are happy with that. Yeah. Perfect. We can get started on what you wanted to talk about first. Mhmm. So, definitely so what I can do is because it's been it's always good to do a bit of an updated statement of advice at time, reassess research, and also do a bit of a check-in of, okay. Well, where is your super at the moment? How is it tracking? And by the time you are planning on retiring, where are things kind of on track to be? So I can definitely do that for you after the call as well and and do factor in some potential salary sacrifice just to show you as well that changes and impacts that that might have. Now are you still kind of planning on accessing Super at 65 at the moment? Is that when you're ideal is? Yeah. And then ideal income per week that you like to draw from super, about 4,500 per week? Yeah. I saw it. And I was like I thought I was like, do you know what? Everyone's to their own, but I was like, oh, well, most people go, like, 1 to 2,000 a week. And he's like, oh, you must you must just want a very extravagant life lifestyle. Nothing wrong with it. But I was like, it is a lot. Okay. So more around the 4,000 500 per month. Yeah. I was like, it is a ambitious goal, but, you know, I'm all for it. Okay. Per month. That's good. Now salary sacrifice. So your income at the moment, I have down here as a 107,500. Yep. Do you know what it's at now? Yes. That one's it. Okay. Perfect. Okay. And do you get paid bonuses or anything like that as well or just like your base paid? Okay. Okay. And because you've been there for a cup for quite some time. Yeah. Now I know you say it's unreliable, but, like, in the last financial year, do you know did you get any do you know how much it was? Mhmm. Okay. And is it usually, like, a a yearly, six monthly, quarterly? Yeah. Okay. And do you know on if you do get a bonus, do they pay contributions on the bonus? Do you know that? No. Most of the time, employees do pay contributions on a bonus, typically not over time. Because the but we can exclude that from the calculation and everything, especially if you say it's a bit unreliable. You don't wanna count on it. The only thing I do wanna potentially factoring it in is we don't wanna exceed your concessional contribution cap, which is how much you can put in pretax. So I'll just have it in mind so we're not trying to max out and then you go over and pay additional tax because that's what we're trying to avoid. Yes. And and tip typically, that is the case as well. I can go when I do the research, I can go and have a look through your transaction statement in hub '24 as well, and that should show me if there was, like, a ad hoc one that's not consistent with your pay cycle, and that would kind of confirm that for me as well. Otherwise, they just pay that standard 12% contribution into super. Like, just just standard terms. Yep. Perfect. And in terms of salary sacrifice, do you have an amount that you would like to start with? Okay. Yep. Yes. Yep. Do you wanna start with a 100 or a 100 and 50 or or 2? 100. Okay. Now with salary sacrifice as well, it is something you can always just change with that employer anyway. And if anything does change, like, if interest rate continues to go up and you're feeling you're a bit short, you can always tell them to to cancel it temporarily and then always restart it. So it is very flexible. But what I'll do is I will factor in a $100 per month salary sacrifice, and I'll do do up a bit of a strategy for you to show you, well, okay, how much is that going to impact your super and compounding and how much is it actually going to save you in tax as well. And that gives you a bit of a assessment of, okay. Well, how much does it actually impact? Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic. Only thing to be mindful of is by doing it, it does get locked in to if somebody meet a condition of release. So for example, turning 60 and retiring. That is the only thing to be Yep. Put too much and then yep. Perfect. And if it is that you especially with the new mortgage and stuff like that, I feel like, oh, okay. I'll actually come in contact with more money. We can always put more in. And if there's ever a situation as well, you can do lump sum into super as well. And what we can do is convert it if you have enough space to pretax contributions anyway. We can do that. So if there's ever a situation, we just need to check your cap spaces again. Because at the moment, it is 30,000 per financial year, and it includes your employer contribution as well as your bonus contributions as well. So it kind of includes everything, but you do have quite a bit of space. So I'll just start with a $100 per month as a starting point. Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage. I do have two properties listed here, so I just want to confirm that which one is the correct one. So is that one the 750 or the 635 value? Six thirty five. Yep. Okay. So I'll just remove that. So $6.35, that's yours, and mortgage at about $4.40? Yep. Perfect. I already have a car and a credit card on file. That's all correct as well? Most of how much you have owing? Perfect. Just select points and stuff? Yeah. Okay. Perfect. I'll just remove it. It's more so if it's, like, a debt that you are trying to pay down. Like So I'll just remove that. Okay. Perfect. So the only kind of debt is the mortgage. Yeah. Okay. Perfect. Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well. So do you have access to your emails at the moment? Yeah. Okay. Perfect. So I'll just send this. It might take a couple of minutes for it to come through. And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we don't need to make any changes to your risk profile in your super. So it is pretty straightforward. Just multiple choice questions. No right or wrong answer. Just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now have you ever bought direct shares yourself? Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation. Would you say yep. Would you say very high risk, high, moderate, or a small amount of risk? High. Yep. Perfect. And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market? Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down? Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped? Yep. Yes. Yep. And some of these is tricky because it is hypothetical, and it does obviously depend on the circumstances. So it can be a bit of bit of a tricky one. But, typically, we wouldn't obviously have you invested in your super in an investment that we don't foresee coming back around or being a good long term option. Like, you wouldn't be a super risky unless you were, like, a super aggressive investor and wanted to take on that level of risk. But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back. Alright. So invest a little bit more potentially. Now next one here is in regards to investment performance. So have you ever noticed superannuation or any other assets really drop in value? And if so, how did that make you feel? Now, obviously, in the last twelve months, we have seen a bit of fluctuations. I'm sure you've seen on the news and everything as well. First, obviously, everything in The US saw a bit of fluctuations in the market with Trump and tariffs and everything, and, obviously, more recently, the war. We have seen a bit of fluctuations in the market. If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious? Cautious? Yep. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Yep. Okay. So if you wanted to, you will be comfortable taking out the loan. It's just potentially not something you are wanting to do right now. Yep. Perfect. Now, Owen, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Now do you remember what it means to be a growth investor at all? Yeah. Yeah. Yeah. Yeah. Yeah. Basically. So it is kind of somewhere in the middle where you are wanting to grow your superannuation, while you do have plenty of time exactly like you said. I'm also comfortable seeing a bit of short term fluctuations in order to try and grow that. When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this. Did that email come through okay? Yep. So before you click on the link where it says sign now, you should have a couple of attachments at the bottom of the email. Yep. So it's the 2025 Vanguard index chart. Yep. Perfect. Now you might have seen something like this before, but it is kind of a good visual representation of what we are typically talking about when we're talking about the market. And this kind of gives us a a good overview in a bit more long term position because it shows you from 1995 through to 2025. But you can basically see here that over the long term, market always goes up. The short term, depending on what is going on in the world, there will be ups and downs and market fluctuations. So when we are talking about a growth portfolio, we do typically see 80% invested in your top four. So you'll have your US shares, Australian shares, international shares, and property. Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three, so your defensive investments. And as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit. So it's about an eighty twenty split. Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations. So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop. So in a growth portfolio, typically, we want to allow about six years until retirement. So you do certainly have the the time behind you. Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the middle. So we typically have your aggressive plus, which is super risky investment, people wanting to borrow debt and that kind of stuff. You have aggressive, high growth, then growth, which is where we are at the moment for you. And then you have your balance growth and a balance. So you kind of typically tape it down to balance balance growth the closer you get through the retirement. I know you said you wanted to kind of maximize that growth. Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment? Yep. So what I can do is as part of the research, I'll look at the different investment portfolios. I'll see fees and, obviously, returns and also if there's any capital gains tax. And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do. And just for your reference, a high growth portfolio, we wanna say eight years to retirement. So, again, time frame wise, you certainly have that behind you. And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable. But at the same time, I do have seven year olds who are super comfortable but high risk, but then I also have 20 year olds who want the balance. So it also comes down to what you are comfortable with at the same time. Alright. So happy to have a look at your high growth. Yep. Perfect. Now the next document while we are in the email set, is that a twelve month performance report? It says it says Yes. Perfect. Yep. If you can open that one for me. Yep. Perfect. Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after fees. So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months. But despite all of that, though, your portfolio has still held up pretty good. So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen. Any questions so far? Nope. Perfect. Now with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one there. Now when you look at the second column to the right, that's all the return on the investment, so all of them. Now what's in bracket is what's down at the moment, and then the other ones are up. So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation. So how would you design your portfolio as well is that we want to make sure it is very diversified. We do have you in different industries and different markets. So if one market's doing really good, it kind of then help balance things out. Because if you put everything in one section, it could make it really, really good one year and then be really down another. So we do wanna obviously smooth things out and diversify things for you. But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it. So at the end of the day, we do have you in the best options possible for you and your retirement. So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices. Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other ETF. And the purpose is to actively buy and sell different investments in order to try to outperform the market. Now because of that, it can be a little bit more expensive, and, usually, it does pay out where if you are paying a little bit more and they do the active management, the returns comes with it, which is what they have been doing, and that was why they were added to your portfolio. But like I said, more recently, they've been a little bit slower in making their investment choices. And right now, we do foresee that there are better options out there that we would like to look at changing it. So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future. Does that make sense? Yep. Yep. Perfect. Now the next documents, can you see does it say certificate of currency? Yep. Perfect. Now that one here breaks down your current insurances with Clearview. Basically, let you know that's all paid and up to date. But if you can actually get out of this one and then go to the bottom where it should say super and insurance summary, that one kind of outlines it a bit easier often if you can have a look at that. Yeah. Perfect. So that one here shows you that you have your super with hub twenty four, and you do have about 154,627. Now I do actually wanna triple check as well because I know you have gone through, a separation recently. Do you know if anything with your super is changing? Sweet. Perfect. That That's all sorted. Okay. Perfect. Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that. So that is good. Now with your insurances as well. So you have insurances with ClearView. You have life and total permanent disability of about 838,000. Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances? That's fine. Yep. And it will still obviously cover the mortgage if something were to happen to you or if you're unable to go back to work, then you don't have the mortgage to worry about. And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if something do were to happen to you. And it's quite affordable as well. And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month. You have a thirty day waiting period and a five year benefit period. All three paid from within superannuation. You do get a tax rebate. So after that, it is 1,437. Are you happy with your income protection as well? Yep. Perfect. Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one. Can you see those? Yep. Perfect. So if you wanna open let me just see here. The second one. So the Oakview services guide version one. Now I'll let you have a read over the version four by yourself. It is just a smaller version, essentially, of the big one. Now you would have seen this one plenty of times before. We do send it to you every time at annual review time. It is one of those compliance documents. It does give you all the important information in regards to us. None of the important information has changed, but we've had a bit of an update on marketing. So as you scroll through, you might see a bit of an updated photos of the team and everything like that. You will see all the directors, the advices as well. And as you do scroll through on page nine, you will see myself as well if you do wanna put a face to the board. No. That's okay. Or it might be 10, actually. I'm right next to Dana. Yep. Yep. Perfect. So sometimes it is nice to see who you're talking to as well when we're doing things over the phone. And that was essentially all of those documents. Now if you are happy to do so, if you press the link where it says sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement. Actually, I think you might only have one because I think you've signed the other one before. Can you only see one document? Yep. Perfect. The other one was just a tax file number declaration, which you must have signed last time. So this is just your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But this essentially lets us service your account and manage all your investments and everything like that for you in the meantime. Yep. So if you're happy to do so, it will ask you just to add a signature and a date. It should then say validate. And when you press validate, it should, yeah, it should then send it back to me. Yep. Perfect. That's exactly good. I've got all of that through. Now let me just see if there was anything else I needed to confirm while I do have you on the phone. I know you kinda went through a bit of a fact find back in February, I think. Is there anything else that has changed in your personal situation that we haven't gone over otherwise? No. Okay. Perfect. And I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you. Otherwise, I have here the last time we spoke, your main focus was just to kind of pay down the mortgage otherwise. Is that still kind of the the goal for you? Yep. Perfect. Yeah. Okay. Yeah. Upgrade the car and then mortgage. Is there anything else that you're kind of working to towards or anything? That's the main okay. Perfect. Now that was essentially everything that I needed to touch base from my end with you. Do you have any other questions, or was there anything else that you wanted to discuss and talk about today? No? Okay. Perfect. So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you. Now it will take me about a week or so to put together all the research. Now I am fully booked next week already, but the following week after that, so the twenty fifth through the May 29, Do you have any time during that week that works best for you? Is there any particular day? Monday or Tuesday? Okay. Let me have a look. Now I could do either Monday the twenty fifth at 01:30, or I could do Tuesday, the twenty sixth at 4PM. Would either of those times work? Monday, 01:30. Okay. Perfect. Nice and easy now on the same time frame as well, especially because we do have clients all around Australia. And with the different time zones, it goes gets a bit crazy at times. So that is all booked in on Monday, May 25 at 01:30PM. I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together. And then we can see what you wanna do and take it from there. K. Perfect. Now was there anything else I can help you with before I let you go, and enjoy the rest of your day otherwise, Ellen? Perfect. Would you like a reminder text sent two hours before the appointment in case something comes up? Yep. Perfect. Actually, one thing I do know here as well on the account, it looks like we haven't received your hub 24 and your ClearView beneficiary forms back. So that is if something were to happen to you who you want to nominate. Do you if you still have them, but if not, I can always get the team just to either do you have access to a printer? Okay. Because what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating. What I can do, if you do have access to a printer, I can get the team to email it to you. That way, when you still just have to print it and sign it, unless you do have no. You would have sent them through. Otherwise, just scan it. And then if it's in an email, it's there, and then we can definitely see it. Yep. And do you know who you would like to nominate? No. Okay. If you do wanna talk about it or if you have any questions, let me know. Because when it comes to nominations as well, there are some restrictions on who you can actually nominate directly through your superannuation. So for direct nomination, it has to be a spouse, a child, or someone who you are in a financial dependent or interdependent relationship with, or you can nominate a lawyer. So if you do go through the will, then, obviously, through the will, you can nominate whoever you want. There are different tax consequences with the different scenarios as well. So if it is that you have a think about it and when we do speak on the twenty fifth, you want to check anything with me, just let me know. If not, otherwise, I'll leave that to you. I'll keep a lookout for that email to come back as well. So it will be my team who will email them to you. And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time. Perfect. Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth. No no problem. We'll speak soon. 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morning. Is this Owen? This is Veronica from Oakview Financial. How are you? I'm good.\n\nThanks. I had you booked in this morning for a bit of a catch up. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I do need to let you know that these calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for you. Do you know where that might be? Yep.\n\nPerfect. That's exactly what I have here. How's your morning been? Been busy? Yeah.\n\nYeah. Pretty good. So far, it's a bit rainy here on the coast, but otherwise, it's not too bad. Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie. Mhmm.\n\nBut I also noticed that your under review is actually due now. So if you don't mind, I thought we could just do all that the one go for you if you are happy with that. Yeah. Perfect. We can get started on what you wanted to talk about first.\n\nMhmm. So, definitely so what I can do is because it's been it's always good to do a bit of an updated statement of advice at time, reassess research, and also do a bit of a check-in of, okay. Well, where is your super at the moment? How is it tracking? And by the time you are planning on retiring, where are things kind of on track to be?\n\nSo I can definitely do that for you after the call as well and and do factor in some potential salary sacrifice just to show you as well that changes and impacts that that might have. Now are you still kind of planning on accessing Super at 65 at the moment? Is that when you're ideal is? Yeah. And then ideal income per week that you like to draw from super, about 4,500 per week?\n\nYeah. I saw it. And I was like I thought I was like, do you know what? Everyone's to their own, but I was like, oh, well, most people go, like, 1 to 2,000 a week. And he's like, oh, you must you must just want a very extravagant life lifestyle.\n\nNothing wrong with it. But I was like, it is a lot. Okay. So more around the 4,000 500 per month. Yeah.\n\nI was like, it is a ambitious goal, but, you know, I'm all for it. Okay. Per month. That's good. Now salary sacrifice.\n\nSo your income at the moment, I have down here as a 107,500. Yep. Do you know what it's at now? Yes. That one's it.\n\nOkay. Perfect. Okay. And do you get paid bonuses or anything like that as well or just like your base paid? Okay.\n\nOkay. And because you've been there for a cup for quite some time. Yeah. Now I know you say it's unreliable, but, like, in the last financial year, do you know did you get any do you know how much it was? Mhmm.\n\nOkay. And is it usually, like, a a yearly, six monthly, quarterly? Yeah. Okay. And do you know on if you do get a bonus, do they pay contributions on the bonus?\n\nDo you know that? No. Most of the time, employees do pay contributions on a bonus, typically not over time. Because the but we can exclude that from the calculation and everything, especially if you say it's a bit unreliable. You don't wanna count on it.\n\nThe only thing I do wanna potentially factoring it in is we don't wanna exceed your concessional contribution cap, which is how much you can put in pretax. So I'll just have it in mind so we're not trying to max out and then you go over and pay additional tax because that's what we're trying to avoid. Yes. And and tip typically, that is the case as well. I can go when I do the research, I can go and have a look through your transaction statement in hub '24 as well, and that should show me if there was, like, a ad hoc one that's not consistent with your pay cycle, and that would kind of confirm that for me as well.\n\nOtherwise, they just pay that standard 12% contribution into super. Like, just just standard terms. Yep. Perfect. And in terms of salary sacrifice, do you have an amount that you would like to start with?\n\nOkay. Yep. Yes. Yep. Do you wanna start with a 100 or a 100 and 50 or or 2?\n\n100. Okay. Now with salary sacrifice as well, it is something you can always just change with that employer anyway. And if anything does change, like, if interest rate continues to go up and you're feeling you're a bit short, you can always tell them to to cancel it temporarily and then always restart it. So it is very flexible.\n\nBut what I'll do is I will factor in a $100 per month salary sacrifice, and I'll do do up a bit of a strategy for you to show you, well, okay, how much is that going to impact your super and compounding and how much is it actually going to save you in tax as well. And that gives you a bit of a assessment of, okay. Well, how much does it actually impact? Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic. Only thing to be mindful of is by doing it, it does get locked in to if somebody meet a condition of release.\n\nSo for example, turning 60 and retiring. That is the only thing to be Yep. Put too much and then yep. Perfect. And if it is that you especially with the new mortgage and stuff like that, I feel like, oh, okay.\n\nI'll actually come in contact with more money. We can always put more in. And if there's ever a situation as well, you can do lump sum into super as well. And what we can do is convert it if you have enough space to pretax contributions anyway. We can do that.\n\nSo if there's ever a situation, we just need to check your cap spaces again. Because at the moment, it is 30,000 per financial year, and it includes your employer contribution as well as your bonus contributions as well. So it kind of includes everything, but you do have quite a bit of space. So I'll just start with a $100 per month as a starting point. Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage.\n\nI do have two properties listed here, so I just want to confirm that which one is the correct one. So is that one the 750 or the 635 value? Six thirty five. Yep. Okay.\n\nSo I'll just remove that. So $6.35, that's yours, and mortgage at about $4.40? Yep. Perfect. I already have a car and a credit card on file.\n\nThat's all correct as well? Most of how much you have owing? Perfect. Just select points and stuff? Yeah.\n\nOkay. Perfect. I'll just remove it. It's more so if it's, like, a debt that you are trying to pay down. Like So I'll just remove that.\n\nOkay. Perfect. So the only kind of debt is the mortgage. Yeah. Okay.\n\nPerfect. Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well. So do you have access to your emails at the moment? Yeah. Okay.\n\nPerfect. So I'll just send this. It might take a couple of minutes for it to come through. And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we don't need to make any changes to your risk profile in your super. So it is pretty straightforward.\n\nJust multiple choice questions. No right or wrong answer. Just whatever you feel is the most appropriate for you. Does that make sense? Yep.\n\nPerfect. Now have you ever bought direct shares yourself? Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.\n\nNow how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation. Would you say yep. Would you say very high risk, high, moderate, or a small amount of risk? High. Yep.\n\nPerfect. And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market? Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down? Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped? Yep.\n\nYes. Yep. And some of these is tricky because it is hypothetical, and it does obviously depend on the circumstances. So it can be a bit of bit of a tricky one. But, typically, we wouldn't obviously have you invested in your super in an investment that we don't foresee coming back around or being a good long term option.\n\nLike, you wouldn't be a super risky unless you were, like, a super aggressive investor and wanted to take on that level of risk. But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back. Alright. So invest a little bit more potentially. Now next one here is in regards to investment performance.\n\nSo have you ever noticed superannuation or any other assets really drop in value? And if so, how did that make you feel? Now, obviously, in the last twelve months, we have seen a bit of fluctuations. I'm sure you've seen on the news and everything as well. First, obviously, everything in The US saw a bit of fluctuations in the market with Trump and tariffs and everything, and, obviously, more recently, the war.\n\nWe have seen a bit of fluctuations in the market. If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious? Cautious? Yep. Perfect.\n\nAnd the last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Yep. Okay.\n\nSo if you wanted to, you will be comfortable taking out the loan. It's just potentially not something you are wanting to do right now. Yep. Perfect. Now, Owen, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.\n\nNow do you remember what it means to be a growth investor at all? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Basically. So it is kind of somewhere in the middle where you are wanting to grow your superannuation, while you do have plenty of time exactly like you said. I'm also comfortable seeing a bit of short term fluctuations in order to try and grow that. When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this.\n\nDid that email come through okay? Yep. So before you click on the link where it says sign now, you should have a couple of attachments at the bottom of the email. Yep. So it's the 2025 Vanguard index chart.\n\nYep. Perfect. Now you might have seen something like this before, but it is kind of a good visual representation of what we are typically talking about when we're talking about the market. And this kind of gives us a a good overview in a bit more long term position because it shows you from 1995 through to 2025. But you can basically see here that over the long term, market always goes up.\n\nThe short term, depending on what is going on in the world, there will be ups and downs and market fluctuations. So when we are talking about a growth portfolio, we do typically see 80% invested in your top four. So you'll have your US shares, Australian shares, international shares, and property. Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three, so your defensive investments.\n\nAnd as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit. So it's about an eighty twenty split. Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations. So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop. So in a growth portfolio, typically, we want to allow about six years until retirement.\n\nSo you do certainly have the the time behind you. Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the middle. So we typically have your aggressive plus, which is super risky investment, people wanting to borrow debt and that kind of stuff. You have aggressive, high growth, then growth, which is where we are at the moment for you. And then you have your balance growth and a balance.\n\nSo you kind of typically tape it down to balance balance growth the closer you get through the retirement. I know you said you wanted to kind of maximize that growth. Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment? Yep. So what I can do is as part of the research, I'll look at the different investment portfolios.\n\nI'll see fees and, obviously, returns and also if there's any capital gains tax. And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do. And just for your reference, a high growth portfolio, we wanna say eight years to retirement. So, again, time frame wise, you certainly have that behind you. And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable.\n\nBut at the same time, I do have seven year olds who are super comfortable but high risk, but then I also have 20 year olds who want the balance. So it also comes down to what you are comfortable with at the same time. Alright. So happy to have a look at your high growth. Yep.\n\nPerfect. Now the next document while we are in the email set, is that a twelve month performance report? It says it says Yes. Perfect. Yep.\n\nIf you can open that one for me. Yep. Perfect. Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after fees. So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months.\n\nBut despite all of that, though, your portfolio has still held up pretty good. So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen. Any questions so far? Nope. Perfect.\n\nNow with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one there. Now when you look at the second column to the right, that's all the return on the investment, so all of them. Now what's in bracket is what's down at the moment, and then the other ones are up. So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation. So how would you design your portfolio as well is that we want to make sure it is very diversified.\n\nWe do have you in different industries and different markets. So if one market's doing really good, it kind of then help balance things out. Because if you put everything in one section, it could make it really, really good one year and then be really down another. So we do wanna obviously smooth things out and diversify things for you. But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it.\n\nSo at the end of the day, we do have you in the best options possible for you and your retirement. So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices. Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other ETF. And the purpose is to actively buy and sell different investments in order to try to outperform the market. Now because of that, it can be a little bit more expensive, and, usually, it does pay out where if you are paying a little bit more and they do the active management, the returns comes with it, which is what they have been doing, and that was why they were added to your portfolio.\n\nBut like I said, more recently, they've been a little bit slower in making their investment choices. And right now, we do foresee that there are better options out there that we would like to look at changing it. So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future. Does that make sense? Yep.\n\nYep. Perfect. Now the next documents, can you see does it say certificate of currency? Yep. Perfect.\n\nNow that one here breaks down your current insurances with Clearview. Basically, let you know that's all paid and up to date. But if you can actually get out of this one and then go to the bottom where it should say super and insurance summary, that one kind of outlines it a bit easier often if you can have a look at that. Yeah. Perfect.\n\nSo that one here shows you that you have your super with hub twenty four, and you do have about 154,627. Now I do actually wanna triple check as well because I know you have gone through, a separation recently. Do you know if anything with your super is changing? Sweet. Perfect.\n\nThat That's all sorted. Okay. Perfect. Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that. So that is good.\n\nNow with your insurances as well. So you have insurances with ClearView. You have life and total permanent disability of about 838,000. Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances? That's fine.\n\nYep. And it will still obviously cover the mortgage if something were to happen to you or if you're unable to go back to work, then you don't have the mortgage to worry about. And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if something do were to happen to you. And it's quite affordable as well. And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month.\n\nYou have a thirty day waiting period and a five year benefit period. All three paid from within superannuation. You do get a tax rebate. So after that, it is 1,437. Are you happy with your income protection as well?\n\nYep. Perfect. Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one. Can you see those? Yep.\n\nPerfect. So if you wanna open let me just see here. The second one. So the Oakview services guide version one. Now I'll let you have a read over the version four by yourself.\n\nIt is just a smaller version, essentially, of the big one. Now you would have seen this one plenty of times before. We do send it to you every time at annual review time. It is one of those compliance documents. It does give you all the important information in regards to us.\n\nNone of the important information has changed, but we've had a bit of an update on marketing. So as you scroll through, you might see a bit of an updated photos of the team and everything like that. You will see all the directors, the advices as well. And as you do scroll through on page nine, you will see myself as well if you do wanna put a face to the board. No.\n\nThat's okay. Or it might be 10, actually. I'm right next to Dana. Yep. Yep.\n\nPerfect. So sometimes it is nice to see who you're talking to as well when we're doing things over the phone. And that was essentially all of those documents. Now if you are happy to do so, if you press the link where it says sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement.\n\nActually, I think you might only have one because I think you've signed the other one before. Can you only see one document? Yep. Perfect. The other one was just a tax file number declaration, which you must have signed last time.\n\nSo this is just your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract.\n\nBut this essentially lets us service your account and manage all your investments and everything like that for you in the meantime. Yep. So if you're happy to do so, it will ask you just to add a signature and a date. It should then say validate. And when you press validate, it should, yeah, it should then send it back to me.\n\nYep. Perfect. That's exactly good. I've got all of that through. Now let me just see if there was anything else I needed to confirm while I do have you on the phone.\n\nI know you kinda went through a bit of a fact find back in February, I think. Is there anything else that has changed in your personal situation that we haven't gone over otherwise? No. Okay. Perfect.\n\nAnd I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you. Otherwise, I have here the last time we spoke, your main focus was just to kind of pay down the mortgage otherwise. Is that still kind of the the goal for you? Yep. Perfect.\n\nYeah. Okay. Yeah. Upgrade the car and then mortgage. Is there anything else that you're kind of working to towards or anything?\n\nThat's the main okay. Perfect. Now that was essentially everything that I needed to touch base from my end with you. Do you have any other questions, or was there anything else that you wanted to discuss and talk about today? No?\n\nOkay. Perfect. So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you. Now it will take me about a week or so to put together all the research. Now I am fully booked next week already, but the following week after that, so the twenty fifth through the May 29, Do you have any time during that week that works best for you?\n\nIs there any particular day? Monday or Tuesday? Okay. Let me have a look. Now I could do either Monday the twenty fifth at 01:30, or I could do Tuesday, the twenty sixth at 4PM.\n\nWould either of those times work? Monday, 01:30. Okay. Perfect. Nice and easy now on the same time frame as well, especially because we do have clients all around Australia.\n\nAnd with the different time zones, it goes gets a bit crazy at times. So that is all booked in on Monday, May 25 at 01:30PM. I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together. And then we can see what you wanna do and take it from there. K.\n\nPerfect. Now was there anything else I can help you with before I let you go, and enjoy the rest of your day otherwise, Ellen? Perfect. Would you like a reminder text sent two hours before the appointment in case something comes up? Yep.\n\nPerfect. Actually, one thing I do know here as well on the account, it looks like we haven't received your hub 24 and your ClearView beneficiary forms back. So that is if something were to happen to you who you want to nominate. Do you if you still have them, but if not, I can always get the team just to either do you have access to a printer? Okay.\n\nBecause what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating. What I can do, if you do have access to a printer, I can get the team to email it to you. That way, when you still just have to print it and sign it, unless you do have no. You would have sent them through. Otherwise, just scan it.\n\nAnd then if it's in an email, it's there, and then we can definitely see it. Yep. And do you know who you would like to nominate? No. Okay.\n\nIf you do wanna talk about it or if you have any questions, let me know. Because when it comes to nominations as well, there are some restrictions on who you can actually nominate directly through your superannuation. So for direct nomination, it has to be a spouse, a child, or someone who you are in a financial dependent or interdependent relationship with, or you can nominate a lawyer. So if you do go through the will, then, obviously, through the will, you can nominate whoever you want. There are different tax consequences with the different scenarios as well.\n\nSo if it is that you have a think about it and when we do speak on the twenty fifth, you want to check anything with me, just let me know. If not, otherwise, I'll leave that to you. I'll keep a lookout for that email to come back as well. So it will be my team who will email them to you. And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time.\n\nPerfect. Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth. No no problem. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.2756246402859688},{"text":"Is this Owen?","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.11481998612483342},{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.66,"sentiment":"neutral","sentiment_score":0.13840863232811293},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.1555430938800176},{"text":"I'm good.","start":9.04,"end":9.679999,"sentiment":"positive","sentiment_score":0.5560865998268127}],"sentiment":"neutral","sentiment_score":0.2065602196380496,"num_words":16,"start":1.76,"end":9.679999},{"sentences":[{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6255959272384644},{"text":"I had you booked in this morning for a bit of a catch up.","start":10.88,"end":14.16,"sentiment":"neutral","sentiment_score":0.3330551449741636},{"text":"Is now still a good time for you?","start":14.16,"end":15.735,"sentiment":"neutral","sentiment_score":0.33023330196738243},{"text":"Yep.","start":16.935,"end":17.414999,"sentiment":"neutral","sentiment_score":0.13854902982711792},{"text":"Perfect.","start":17.414999,"end":17.914999,"sentiment":"neutral","sentiment_score":0.32094818353652954}],"sentiment":"positive","sentiment_score":0.33558926343917844,"num_words":25,"start":9.679999,"end":17.914999},{"sentences":[{"text":"Now just before I do go any further, I do need to let you know that these calls are being recorded for quality and coaching purposes, if that's okay.","start":18.055,"end":24.955,"sentiment":"neutral","sentiment_score":0.04789898075677197},{"text":"Perfect.","start":26.615,"end":27.095,"sentiment":"positive","sentiment_score":0.46892768144607544},{"text":"And I do have a password on file for you.","start":27.095,"end":29.255,"sentiment":"neutral","sentiment_score":0.1608918532729149},{"text":"Do you know where that might be?","start":29.255,"end":30.794998,"sentiment":"neutral","sentiment_score":0.05658391597015517},{"text":"Yep.","start":32.39,"end":32.71,"sentiment":"neutral","sentiment_score":0.10949195921421052}],"sentiment":"neutral","sentiment_score":0.08276033389847726,"num_words":48,"start":18.055,"end":32.71},{"sentences":[{"text":"Perfect.","start":32.71,"end":33.11,"sentiment":"positive","sentiment_score":0.4468767046928406},{"text":"That's exactly what I have here.","start":33.11,"end":34.81,"sentiment":"positive","sentiment_score":0.4483840713898341},{"text":"How's your morning been?","start":34.95,"end":36.07,"sentiment":"neutral","sentiment_score":0.1062964741140604},{"text":"Been busy?","start":36.07,"end":36.81,"sentiment":"neutral","sentiment_score":0.05996173992753029},{"text":"Yeah.","start":39.11,"end":39.43,"sentiment":"neutral","sentiment_score":0.11956463754177094}],"sentiment":"neutral","sentiment_score":0.2715610819203513,"num_words":14,"start":32.71,"end":39.43},{"sentences":[{"text":"Yeah.","start":39.43,"end":39.75,"sentiment":"neutral","sentiment_score":0.19568085670471191},{"text":"Pretty good.","start":39.75,"end":40.65,"sentiment":"positive","sentiment_score":0.36560335755348206},{"text":"So far, it's a bit rainy here on the coast, but otherwise, it's not too bad.","start":40.79,"end":45.915,"sentiment":"neutral","sentiment_score":0.1378197753801942},{"text":"Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie.","start":47.275,"end":56.415,"sentiment":"neutral","sentiment_score":0.12305366496245067},{"text":"Mhmm.","start":57.595,"end":57.835,"sentiment":"neutral","sentiment_score":0.054135002195835114}],"sentiment":"neutral","sentiment_score":0.13673414950663187,"num_words":53,"start":39.43,"end":57.835},{"sentences":[{"text":"But I also noticed that your under review is actually due now.","start":57.835,"end":62.13,"sentiment":"neutral","sentiment_score":0.04478248581290245},{"text":"So if you don't mind, I thought we could just do all that the one go for you if you are happy with that.","start":62.43,"end":67.49,"sentiment":"neutral","sentiment_score":0.12668851794054112},{"text":"Yeah.","start":68.59,"end":68.99,"sentiment":"neutral","sentiment_score":0.16562649607658386},{"text":"Perfect.","start":68.99,"end":69.49,"sentiment":"positive","sentiment_score":0.35474202036857605},{"text":"We can get started on what you wanted to talk about first.","start":69.71,"end":72.85,"sentiment":"neutral","sentiment_score":0.23319744070370993}],"sentiment":"neutral","sentiment_score":0.1379330413043499,"num_words":50,"start":57.835,"end":72.85},{"sentences":[{"text":"Mhmm.","start":85.83,"end":86.33,"sentiment":"neutral","sentiment_score":0.019179264083504677},{"text":"So, definitely so what I can do is because it's been it's always good to do a bit of an updated statement of advice at time, reassess research, and also do a bit of a check-in of, okay.","start":89.43,"end":102.085,"sentiment":"neutral","sentiment_score":0.10110380382914293},{"text":"Well, where is your super at the moment?","start":102.085,"end":104.105,"sentiment":"neutral","sentiment_score":0.03351871436461806},{"text":"How is it tracking?","start":104.885,"end":105.945,"sentiment":"neutral","sentiment_score":0.03137518651783466},{"text":"And by the time you are planning on retiring, where are things kind of on track to be?","start":106.005,"end":112.95,"sentiment":"neutral","sentiment_score":0.05540644170509444}],"sentiment":"neutral","sentiment_score":0.0761172495836365,"num_words":69,"start":85.83,"end":112.95},{"sentences":[{"text":"So I can definitely do that for you after the call as well and and do factor in some potential salary sacrifice just to show you as well that changes and impacts that that might have.","start":112.95,"end":123.85,"sentiment":"positive","sentiment_score":0.4230761631495423},{"text":"Now are you still kind of planning on accessing Super at 65 at the moment?","start":124.95,"end":130.035,"sentiment":"neutral","sentiment_score":0.09062437961498897},{"text":"Is that when you're ideal is?","start":130.035,"end":131.735,"sentiment":"neutral","sentiment_score":0.11746975903709729},{"text":"Yeah.","start":132.835,"end":133.335,"sentiment":"neutral","sentiment_score":0.1050122082233429},{"text":"And then ideal income per week that you like to draw from super, about 4,500 per week?","start":134.195,"end":140.695,"sentiment":"neutral","sentiment_score":0.12689771064940622}],"sentiment":"neutral","sentiment_score":0.2607626588145892,"num_words":75,"start":112.95,"end":140.695},{"sentences":[{"text":"Yeah.","start":144.45001,"end":144.93001,"sentiment":"neutral","sentiment_score":0.05784089118242264},{"text":"I saw it.","start":144.93001,"end":145.73001,"sentiment":"neutral","sentiment_score":-0.05964129790663719},{"text":"And I was like I thought I was like, do you know what?","start":145.73001,"end":150.69,"sentiment":"neutral","sentiment_score":-0.06338456760232265},{"text":"Everyone's to their own, but I was like, oh, well, most people go, like, 1 to 2,000 a week.","start":150.69,"end":155.01001,"sentiment":"neutral","sentiment_score":-0.013157039096480921},{"text":"And he's like, oh, you must you must just want a very extravagant life lifestyle.","start":155.01001,"end":159.445,"sentiment":"neutral","sentiment_score":0.03890358842909336}],"sentiment":"neutral","sentiment_score":-0.011990437211067068,"num_words":51,"start":144.45001,"end":159.445},{"sentences":[{"text":"Nothing wrong with it.","start":159.505,"end":160.80501,"sentiment":"neutral","sentiment_score":0.1186236348003149},{"text":"But I was like, it is a lot.","start":162.705,"end":163.905,"sentiment":"neutral","sentiment_score":0.018780217971652746},{"text":"Okay.","start":163.905,"end":164.225,"sentiment":"neutral","sentiment_score":0.058915819972753525},{"text":"So more around the 4,000 500 per month.","start":164.225,"end":167.68501,"sentiment":"neutral","sentiment_score":0.06740944879129529},{"text":"Yeah.","start":170.48001,"end":170.98001,"sentiment":"neutral","sentiment_score":0.19021302461624143}],"sentiment":"neutral","sentiment_score":0.06423366899517449,"num_words":22,"start":159.505,"end":170.98001},{"sentences":[{"text":"I was like, it is a ambitious goal, but, you know, I'm all for it.","start":171.28,"end":175.6,"sentiment":"neutral","sentiment_score":0.33326486945152284},{"text":"Okay.","start":175.6,"end":176.0,"sentiment":"neutral","sentiment_score":0.31414994597435},{"text":"Per month.","start":176.0,"end":176.72,"sentiment":"neutral","sentiment_score":0.3311675935983658},{"text":"That's good.","start":176.72,"end":177.62001,"sentiment":"positive","sentiment_score":0.5879446566104889},{"text":"Now salary sacrifice.","start":179.76001,"end":181.855,"sentiment":"neutral","sentiment_score":0.30468499660491943}],"sentiment":"positive","sentiment_score":0.3506696729556374,"num_words":23,"start":171.28,"end":181.855},{"sentences":[{"text":"So your income at the moment, I have down here as a 107,500.","start":181.995,"end":187.375,"sentiment":"neutral","sentiment_score":0.12237654683681634},{"text":"Yep.","start":191.355,"end":191.755,"sentiment":"neutral","sentiment_score":0.07124724984169006},{"text":"Do you know what it's at now?","start":191.755,"end":193.23,"sentiment":"neutral","sentiment_score":0.005730554195387023},{"text":"Yes.","start":200.90999,"end":201.40999,"sentiment":"neutral","sentiment_score":0.051286183297634125},{"text":"That one's it.","start":212.28499,"end":213.00499,"sentiment":"neutral","sentiment_score":0.08169173697630565}],"sentiment":"neutral","sentiment_score":0.07994470529258252,"num_words":25,"start":181.995,"end":213.00499},{"sentences":[{"text":"Okay.","start":213.00499,"end":213.325,"sentiment":"neutral","sentiment_score":0.22995302081108093},{"text":"Perfect.","start":213.325,"end":213.825,"sentiment":"neutral","sentiment_score":0.3076401352882385},{"text":"Okay.","start":216.36499,"end":216.86499,"sentiment":"neutral","sentiment_score":0.045715633779764175},{"text":"And do you get paid bonuses or anything like that as well or just like your base paid?","start":218.22,"end":223.68,"sentiment":"neutral","sentiment_score":0.026206468128495745},{"text":"Okay.","start":228.06,"end":228.56,"sentiment":"neutral","sentiment_score":-0.11729634553194046}],"sentiment":"neutral","sentiment_score":0.04262403957545757,"num_words":22,"start":213.00499,"end":228.56},{"sentences":[{"text":"Okay.","start":230.155,"end":230.655,"sentiment":"neutral","sentiment_score":-0.05817020684480667},{"text":"And because you've been there for a cup for quite some time.","start":230.95499,"end":234.89499,"sentiment":"neutral","sentiment_score":-0.011320637325601032},{"text":"Yeah.","start":236.555,"end":237.055,"sentiment":"neutral","sentiment_score":-0.08815367519855499},{"text":"Now I know you say it's unreliable, but, like, in the last financial year, do you know did you get any do you know how much it was?","start":237.11499,"end":244.495,"sentiment":"neutral","sentiment_score":-0.14183723500796727},{"text":"Mhmm.","start":246.43999,"end":246.93999,"sentiment":"neutral","sentiment_score":0.06801038980484009}],"sentiment":"neutral","sentiment_score":-0.09733962140392599,"num_words":43,"start":230.155,"end":246.93999},{"sentences":[{"text":"Okay.","start":249.31999,"end":249.81999,"sentiment":"neutral","sentiment_score":0.04020857810974121},{"text":"And is it usually, like, a a yearly, six monthly, quarterly?","start":251.56,"end":255.57999,"sentiment":"neutral","sentiment_score":0.021365562453866005},{"text":"Yeah.","start":257.33502,"end":257.655,"sentiment":"neutral","sentiment_score":0.06695148348808289},{"text":"Okay.","start":257.655,"end":258.155,"sentiment":"neutral","sentiment_score":0.07016604393720627},{"text":"And do you know on if you do get a bonus, do they pay contributions on the bonus?","start":258.935,"end":264.935,"sentiment":"neutral","sentiment_score":0.049718809934953846}],"sentiment":"neutral","sentiment_score":0.04085268347989768,"num_words":32,"start":249.31999,"end":264.935},{"sentences":[{"text":"Do you know that?","start":264.935,"end":265.83502,"sentiment":"neutral","sentiment_score":0.03559156367555261},{"text":"No.","start":270.87,"end":271.37,"sentiment":"neutral","sentiment_score":-0.10748982429504396},{"text":"Most of the time, employees do pay contributions on a bonus, typically not over time.","start":272.15,"end":280.33,"sentiment":"neutral","sentiment_score":-0.09699707329273224},{"text":"Because the but we can exclude that from the calculation and everything, especially if you say it's a bit unreliable.","start":280.38998,"end":288.345,"sentiment":"neutral","sentiment_score":-0.2728495210409164},{"text":"You don't wanna count on it.","start":288.485,"end":290.025,"sentiment":"neutral","sentiment_score":-0.2869613667329152}],"sentiment":"neutral","sentiment_score":-0.18693126717825298,"num_words":46,"start":264.935,"end":290.025},{"sentences":[{"text":"The only thing I do wanna potentially factoring it in is we don't wanna exceed your concessional contribution cap, which is how much you can put in pretax.","start":290.405,"end":298.985,"sentiment":"neutral","sentiment_score":-0.0778199477738651},{"text":"So I'll just have it in mind so we're not trying to max out and then you go over and pay additional tax because that's what we're trying to avoid.","start":299.52,"end":307.46,"sentiment":"neutral","sentiment_score":-0.11509766193727652},{"text":"Yes.","start":315.93503,"end":316.43503,"sentiment":"neutral","sentiment_score":0.1443215310573578},{"text":"And and tip typically, that is the case as well.","start":318.17502,"end":321.075,"sentiment":"neutral","sentiment_score":0.0978349719196558},{"text":"I can go when I do the research, I can go and have a look through your transaction statement in hub '24 as well, and that should show me if there was, like, a ad hoc one that's not consistent with your pay cycle, and that would kind of confirm that for me as well.","start":321.295,"end":335.6,"sentiment":"neutral","sentiment_score":0.12081935812126507}],"sentiment":"neutral","sentiment_score":0.017224577025298195,"num_words":124,"start":290.405,"end":335.6},{"sentences":[{"text":"Otherwise, they just pay that standard 12% contribution into super.","start":336.86002,"end":340.56,"sentiment":"neutral","sentiment_score":0.08781281635165214},{"text":"Like, just just standard terms.","start":340.945,"end":342.305,"sentiment":"neutral","sentiment_score":0.09815618097782135},{"text":"Yep.","start":342.305,"end":342.785,"sentiment":"neutral","sentiment_score":0.24357639253139496},{"text":"Perfect.","start":342.785,"end":343.285,"sentiment":"neutral","sentiment_score":0.31901824474334717},{"text":"And in terms of salary sacrifice, do you have an amount that you would like to start with?","start":344.465,"end":351.045,"sentiment":"neutral","sentiment_score":0.021369571280148294}],"sentiment":"neutral","sentiment_score":0.06617588539208685,"num_words":35,"start":336.86002,"end":351.045},{"sentences":[{"text":"Okay.","start":356.08,"end":356.58,"sentiment":"neutral","sentiment_score":0.05257118865847587},{"text":"Yep.","start":356.8,"end":357.3,"sentiment":"neutral","sentiment_score":0.060179632157087326},{"text":"Yes.","start":363.36,"end":363.86,"sentiment":"neutral","sentiment_score":-0.1274590641260147},{"text":"Yep.","start":365.215,"end":365.715,"sentiment":"neutral","sentiment_score":-0.04982092604041099},{"text":"Do you wanna start with a 100 or a 100 and 50 or or 2?","start":365.855,"end":369.635,"sentiment":"neutral","sentiment_score":0.008413410869737466}],"sentiment":"neutral","sentiment_score":0.0032458944050104996,"num_words":19,"start":356.08,"end":369.635},{"sentences":[{"text":"100.","start":372.255,"end":372.655,"sentiment":"neutral","sentiment_score":0.03056754544377327},{"text":"Okay.","start":372.655,"end":373.155,"sentiment":"neutral","sentiment_score":0.10405682772397996},{"text":"Now with salary sacrifice as well, it is something you can always just change with that employer anyway.","start":373.535,"end":378.675,"sentiment":"neutral","sentiment_score":0.1173883450941907},{"text":"And if anything does change, like, if interest rate continues to go up and you're feeling you're a bit short, you can always tell them to to cancel it temporarily and then always restart it.","start":379.54,"end":389.47998,"sentiment":"neutral","sentiment_score":-0.06114613456385476},{"text":"So it is very flexible.","start":389.94,"end":391.3,"sentiment":"neutral","sentiment_score":0.2083933547139168}],"sentiment":"neutral","sentiment_score":0.01915777747829755,"num_words":60,"start":372.255,"end":391.3},{"sentences":[{"text":"But what I'll do is I will factor in a $100 per month salary sacrifice, and I'll do do up a bit of a strategy for you to show you, well, okay, how much is that going to impact your super and compounding and how much is it actually going to save you in tax as well.","start":391.3,"end":408.845,"sentiment":"neutral","sentiment_score":0.23878210691506402},{"text":"And that gives you a bit of a assessment of, okay.","start":410.32,"end":412.80002,"sentiment":"neutral","sentiment_score":0.14419971745122562},{"text":"Well, how much does it actually impact?","start":412.80002,"end":414.66,"sentiment":"neutral","sentiment_score":0.0620017908513546},{"text":"Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic.","start":415.6,"end":424.5,"sentiment":"positive","sentiment_score":0.5062656886875629},{"text":"Only thing to be mindful of is by doing it, it does get locked in to if somebody meet a condition of release.","start":425.035,"end":431.675,"sentiment":"neutral","sentiment_score":-0.00047015107196310294}],"sentiment":"neutral","sentiment_score":0.22762584078629486,"num_words":122,"start":391.3,"end":431.675},{"sentences":[{"text":"So for example, turning 60 and retiring.","start":431.675,"end":433.935,"sentiment":"neutral","sentiment_score":0.03125562917973314},{"text":"That is the only thing to be Yep.","start":434.635,"end":441.53003,"sentiment":"neutral","sentiment_score":0.05704420153051615},{"text":"Put too much and then yep.","start":441.53003,"end":445.31003,"sentiment":"neutral","sentiment_score":0.07147637257973354},{"text":"Perfect.","start":445.77002,"end":446.25,"sentiment":"neutral","sentiment_score":0.050822678953409195},{"text":"And if it is that you especially with the new mortgage and stuff like that, I feel like, oh, okay.","start":446.25,"end":451.05002,"sentiment":"neutral","sentiment_score":0.008307244442403317}],"sentiment":"neutral","sentiment_score":0.03145163856624138,"num_words":42,"start":431.675,"end":451.05002},{"sentences":[{"text":"I'll actually come in contact with more money.","start":451.05002,"end":453.415,"sentiment":"neutral","sentiment_score":0.1047015618532896},{"text":"We can always put more in.","start":453.415,"end":454.795,"sentiment":"neutral","sentiment_score":0.2123239537080129},{"text":"And if there's ever a situation as well, you can do lump sum into super as well.","start":455.73502,"end":460.295,"sentiment":"neutral","sentiment_score":0.1873813096214743},{"text":"And what we can do is convert it if you have enough space to pretax contributions anyway.","start":460.295,"end":467.27502,"sentiment":"neutral","sentiment_score":0.11817334899130989},{"text":"We can do that.","start":467.96,"end":469.0,"sentiment":"neutral","sentiment_score":0.1088144090026617}],"sentiment":"neutral","sentiment_score":0.1488700586442764,"num_words":52,"start":451.05002,"end":469.0},{"sentences":[{"text":"So if there's ever a situation, we just need to check your cap spaces again.","start":469.0,"end":472.86,"sentiment":"neutral","sentiment_score":0.05039659949640433},{"text":"Because at the moment, it is 30,000 per financial year, and it includes your employer contribution as well as your bonus contributions as well.","start":473.08,"end":483.025,"sentiment":"neutral","sentiment_score":0.0793375998424987},{"text":"So it kind of includes everything, but you do have quite a bit of space.","start":483.025,"end":487.025,"sentiment":"neutral","sentiment_score":0.10129370739062628},{"text":"So I'll just start with a $100 per month as a starting point.","start":487.025,"end":491.205,"sentiment":"neutral","sentiment_score":0.1289620571411573},{"text":"Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage.","start":493.87,"end":502.29,"sentiment":"neutral","sentiment_score":0.08680797474724906}],"sentiment":"neutral","sentiment_score":0.08722723195035206,"num_words":95,"start":469.0,"end":502.29},{"sentences":[{"text":"I do have two properties listed here, so I just want to confirm that which one is the correct one.","start":503.87,"end":508.395,"sentiment":"neutral","sentiment_score":0.11661836728453637},{"text":"So is that one the 750 or the 635 value?","start":508.395,"end":513.855,"sentiment":"neutral","sentiment_score":0.030949608795344828},{"text":"Six thirty five.","start":516.795,"end":518.015,"sentiment":"neutral","sentiment_score":0.016250431537628174},{"text":"Yep.","start":520.97003,"end":521.47003,"sentiment":"neutral","sentiment_score":0.023110833019018173},{"text":"Okay.","start":522.89,"end":523.29,"sentiment":"neutral","sentiment_score":0.01836799830198288}],"sentiment":"neutral","sentiment_score":0.0780598159879446,"num_words":35,"start":503.87,"end":523.29},{"sentences":[{"text":"So I'll just remove that.","start":523.29,"end":524.81,"sentiment":"neutral","sentiment_score":0.012581800296902656},{"text":"So $6.35, that's yours, and mortgage at about $4.40?","start":524.81,"end":529.47003,"sentiment":"neutral","sentiment_score":0.035377099075251155},{"text":"Yep.","start":530.73,"end":531.13,"sentiment":"neutral","sentiment_score":0.09918542951345444},{"text":"Perfect.","start":531.13,"end":531.63,"sentiment":"positive","sentiment_score":0.3908856511116028},{"text":"I already have a car and a credit card on file.","start":532.475,"end":535.755,"sentiment":"neutral","sentiment_score":0.2338864342732863}],"sentiment":"neutral","sentiment_score":0.12756017595529556,"num_words":27,"start":523.29,"end":535.755},{"sentences":[{"text":"That's all correct as well?","start":535.755,"end":537.21497,"sentiment":"neutral","sentiment_score":0.195783069729805},{"text":"Most of how much you have owing?","start":542.07495,"end":543.77496,"sentiment":"neutral","sentiment_score":-0.00893291232309171},{"text":"Perfect.","start":547.00995,"end":547.41,"sentiment":"neutral","sentiment_score":0.2560778856277466},{"text":"Just select points and stuff?","start":547.41,"end":548.87,"sentiment":"neutral","sentiment_score":0.13924517780542373},{"text":"Yeah.","start":552.52997,"end":552.69,"sentiment":"neutral","sentiment_score":0.0819903090596199}],"sentiment":"neutral","sentiment_score":0.1026673182158878,"num_words":19,"start":535.755,"end":552.69},{"sentences":[{"text":"Okay.","start":552.69,"end":553.00995,"sentiment":"neutral","sentiment_score":0.12177373468875884},{"text":"Perfect.","start":553.00995,"end":553.25,"sentiment":"neutral","sentiment_score":0.2095692753791809},{"text":"I'll just remove it.","start":553.25,"end":554.05,"sentiment":"neutral","sentiment_score":0.056143355555832386},{"text":"It's more so if it's, like, a debt that you are trying to pay down.","start":554.05,"end":559.50995,"sentiment":"neutral","sentiment_score":-0.012368307014306386},{"text":"Like So I'll just remove that.","start":560.08496,"end":561.76495,"sentiment":"neutral","sentiment_score":-0.03558350075036287}],"sentiment":"neutral","sentiment_score":0.005810771206462824,"num_words":27,"start":552.69,"end":561.76495},{"sentences":[{"text":"Okay.","start":561.76495,"end":562.08496,"sentiment":"neutral","sentiment_score":0.0009665961260907352},{"text":"Perfect.","start":562.08496,"end":562.56494,"sentiment":"positive","sentiment_score":0.6118745803833008},{"text":"So the only kind of debt is the mortgage.","start":562.56494,"end":564.58496,"sentiment":"neutral","sentiment_score":0.06751968794398838},{"text":"Yeah.","start":566.00494,"end":566.32495,"sentiment":"neutral","sentiment_score":0.09368453919887544},{"text":"Okay.","start":566.32495,"end":566.725,"sentiment":"neutral","sentiment_score":0.1831047385931015}],"sentiment":"neutral","sentiment_score":0.11517751121517414,"num_words":13,"start":561.76495,"end":566.725},{"sentences":[{"text":"Perfect.","start":566.725,"end":567.225,"sentiment":"positive","sentiment_score":0.4381890296936035},{"text":"Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well.","start":569.44495,"end":586.7,"sentiment":"neutral","sentiment_score":0.10203103930307705},{"text":"So do you have access to your emails at the moment?","start":586.7,"end":589.28,"sentiment":"neutral","sentiment_score":0.035317742858420716},{"text":"Yeah.","start":591.335,"end":591.735,"sentiment":"neutral","sentiment_score":0.08367447555065155},{"text":"Okay.","start":591.735,"end":592.135,"sentiment":"neutral","sentiment_score":0.17486515641212463}],"sentiment":"neutral","sentiment_score":0.09745489640782277,"num_words":75,"start":566.725,"end":592.135},{"sentences":[{"text":"Perfect.","start":592.135,"end":592.635,"sentiment":"positive","sentiment_score":0.4107593595981598},{"text":"So I'll just send this.","start":592.695,"end":594.055,"sentiment":"neutral","sentiment_score":0.2666405141353607},{"text":"It might take a couple of minutes for it to come through.","start":594.055,"end":596.375,"sentiment":"neutral","sentiment_score":0.21611776823798814},{"text":"And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we don't need to make any changes to your risk profile in your super.","start":596.375,"end":610.37,"sentiment":"neutral","sentiment_score":0.05169545809681318},{"text":"So it is pretty straightforward.","start":611.14996,"end":612.43,"sentiment":"neutral","sentiment_score":0.29405956864356997}],"sentiment":"neutral","sentiment_score":0.11584375609850718,"num_words":72,"start":592.135,"end":612.43},{"sentences":[{"text":"Just multiple choice questions.","start":612.43,"end":613.87,"sentiment":"neutral","sentiment_score":0.2602560445666313},{"text":"No right or wrong answer.","start":613.87,"end":614.91,"sentiment":"neutral","sentiment_score":0.07187207117676735},{"text":"Just whatever you feel is the most appropriate for you.","start":614.91,"end":617.23,"sentiment":"neutral","sentiment_score":0.22348531782627107},{"text":"Does that make sense?","start":617.23,"end":618.20996,"sentiment":"neutral","sentiment_score":0.15072429738938808},{"text":"Yep.","start":619.08496,"end":619.485,"sentiment":"neutral","sentiment_score":0.12332572788000108}],"sentiment":"neutral","sentiment_score":0.18172752624377608,"num_words":24,"start":612.43,"end":619.485},{"sentences":[{"text":"Perfect.","start":619.485,"end":619.985,"sentiment":"positive","sentiment_score":0.3368217945098877},{"text":"Now have you ever bought direct shares yourself?","start":620.845,"end":623.26495,"sentiment":"neutral","sentiment_score":0.07361828396096826},{"text":"Perfect.","start":625.725,"end":626.225,"sentiment":"neutral","sentiment_score":0.0860922783613205},{"text":"Next is in regards to inflation.","start":629.805,"end":631.90497,"sentiment":"neutral","sentiment_score":-0.03994141270716985},{"text":"So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.","start":632.365,"end":640.13,"sentiment":"neutral","sentiment_score":-0.15985371344364607}],"sentiment":"neutral","sentiment_score":-0.08057106383854434,"num_words":42,"start":619.485,"end":640.13},{"sentences":[{"text":"Now how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation.","start":640.43,"end":649.63495,"sentiment":"neutral","sentiment_score":-0.12045160763793522},{"text":"Would you say yep.","start":650.975,"end":652.915,"sentiment":"neutral","sentiment_score":-0.05856278073042631},{"text":"Would you say very high risk, high, moderate, or a small amount of risk?","start":655.375,"end":660.035,"sentiment":"neutral","sentiment_score":-0.10860993872795786},{"text":"High.","start":664.67,"end":665.17,"sentiment":"neutral","sentiment_score":-0.13436195254325867},{"text":"Yep.","start":665.95,"end":666.43,"sentiment":"neutral","sentiment_score":0.07471349835395813}],"sentiment":"neutral","sentiment_score":-0.10780068352184397,"num_words":47,"start":640.43,"end":666.43},{"sentences":[{"text":"Perfect.","start":666.43,"end":666.93,"sentiment":"neutral","sentiment_score":0.20601680874824524},{"text":"And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market?","start":668.99,"end":685.825,"sentiment":"neutral","sentiment_score":-0.14388029258698226},{"text":"Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down?","start":686.54,"end":693.92,"sentiment":"neutral","sentiment_score":-0.056929104526837665},{"text":"Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped?","start":694.54,"end":704.075,"sentiment":"neutral","sentiment_score":-0.1375999509385138},{"text":"Yep.","start":709.175,"end":709.675,"sentiment":"neutral","sentiment_score":0.001142650842666626}],"sentiment":"neutral","sentiment_score":-0.11234975010156631,"num_words":105,"start":666.43,"end":709.675},{"sentences":[{"text":"Yes.","start":711.095,"end":711.595,"sentiment":"neutral","sentiment_score":0.02821621671319008},{"text":"Yep.","start":713.415,"end":713.915,"sentiment":"neutral","sentiment_score":0.02185375988483429},{"text":"And some of these is tricky because it is hypothetical, and it does obviously depend on the circumstances.","start":714.12994,"end":719.18994,"sentiment":"neutral","sentiment_score":-0.07879821790589227},{"text":"So it can be a bit of bit of a tricky one.","start":719.41,"end":722.55,"sentiment":"neutral","sentiment_score":-0.15016022572914758},{"text":"But, typically, we wouldn't obviously have you invested in your super in an investment that we don't foresee coming back around or being a good long term option.","start":722.68994,"end":730.685,"sentiment":"neutral","sentiment_score":-0.09188124776950904}],"sentiment":"neutral","sentiment_score":-0.09571492653340101,"num_words":60,"start":711.095,"end":730.685},{"sentences":[{"text":"Like, you wouldn't be a super risky unless you were, like, a super aggressive investor and wanted to take on that level of risk.","start":730.685,"end":737.345,"sentiment":"neutral","sentiment_score":-0.20433573983609676},{"text":"But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back.","start":737.96497,"end":745.24005,"sentiment":"neutral","sentiment_score":-0.1769035868346691},{"text":"Alright.","start":746.66003,"end":747.06006,"sentiment":"neutral","sentiment_score":0.09447471797466278},{"text":"So invest a little bit more potentially.","start":747.06006,"end":749.08,"sentiment":"neutral","sentiment_score":0.09017197468451091},{"text":"Now next one here is in regards to investment performance.","start":750.9,"end":754.84,"sentiment":"neutral","sentiment_score":-0.039911415055394174}],"sentiment":"neutral","sentiment_score":-0.13233394181588665,"num_words":64,"start":730.685,"end":754.84},{"sentences":[{"text":"So have you ever noticed superannuation or any other assets really drop in value?","start":755.405,"end":761.425,"sentiment":"neutral","sentiment_score":-0.16569117403456143},{"text":"And if so, how did that make you feel?","start":761.72504,"end":764.305,"sentiment":"neutral","sentiment_score":-0.04021836527519756},{"text":"Now, obviously, in the last twelve months, we have seen a bit of fluctuations.","start":764.445,"end":767.265,"sentiment":"neutral","sentiment_score":-0.13204126432538033},{"text":"I'm sure you've seen on the news and everything as well.","start":767.405,"end":769.985,"sentiment":"neutral","sentiment_score":-0.05202620442618023},{"text":"First, obviously, everything in The US saw a bit of fluctuations in the market with Trump and tariffs and everything, and, obviously, more recently, the war.","start":770.39,"end":777.85,"sentiment":"neutral","sentiment_score":-0.10504493060020301}],"sentiment":"neutral","sentiment_score":-0.10586048471363815,"num_words":74,"start":755.405,"end":777.85},{"sentences":[{"text":"We have seen a bit of fluctuations in the market.","start":777.99,"end":780.49,"sentiment":"neutral","sentiment_score":-0.1052606500685215},{"text":"If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious?","start":781.35,"end":801.185,"sentiment":"neutral","sentiment_score":-0.07917320917723543},{"text":"Cautious?","start":805.07996,"end":805.57996,"sentiment":"neutral","sentiment_score":-0.13963015377521515},{"text":"Yep.","start":805.72,"end":806.12,"sentiment":"neutral","sentiment_score":0.09099981188774107},{"text":"Perfect.","start":806.12,"end":806.62,"sentiment":"positive","sentiment_score":0.4004034101963043}],"sentiment":"neutral","sentiment_score":-0.0746118440810177,"num_words":72,"start":777.99,"end":806.62},{"sentences":[{"text":"And the last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":808.04,"end":814.69995,"sentiment":"neutral","sentiment_score":0.018383123725652695},{"text":"No.","start":817.28503,"end":817.765,"sentiment":"neutral","sentiment_score":-0.09529098868370056},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":817.765,"end":821.465,"sentiment":"neutral","sentiment_score":0.05860381057629219},{"text":"Yep.","start":827.86,"end":828.26,"sentiment":"neutral","sentiment_score":0.22587601840496063},{"text":"Okay.","start":828.26,"end":828.76,"sentiment":"neutral","sentiment_score":0.18519943952560425}],"sentiment":"neutral","sentiment_score":0.04014712447921435,"num_words":36,"start":808.04,"end":828.76},{"sentences":[{"text":"So if you wanted to, you will be comfortable taking out the loan.","start":828.82,"end":831.86,"sentiment":"neutral","sentiment_score":0.1794479827468212},{"text":"It's just potentially not something you are wanting to do right now.","start":831.86,"end":835.3,"sentiment":"neutral","sentiment_score":-0.02315703872591257},{"text":"Yep.","start":835.3,"end":835.69995,"sentiment":"neutral","sentiment_score":0.187377005815506},{"text":"Perfect.","start":835.69995,"end":836.19995,"sentiment":"positive","sentiment_score":0.54927659034729},{"text":"Now, Owen, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.","start":836.82,"end":845.105,"sentiment":"neutral","sentiment_score":0.19612273514270784}],"sentiment":"neutral","sentiment_score":0.1479742554947734,"num_words":52,"start":828.82,"end":845.105},{"sentences":[{"text":"Now do you remember what it means to be a growth investor at all?","start":845.565,"end":849.345,"sentiment":"neutral","sentiment_score":0.11212402528950147},{"text":"Yeah.","start":857.98,"end":858.48,"sentiment":"neutral","sentiment_score":0.02006308920681477},{"text":"Yeah.","start":859.98,"end":860.3,"sentiment":"neutral","sentiment_score":-0.010414527729153631},{"text":"Yeah.","start":860.3,"end":860.8,"sentiment":"neutral","sentiment_score":0.014490187168121338},{"text":"Yeah.","start":861.9,"end":862.3,"sentiment":"neutral","sentiment_score":0.04683845862746239}],"sentiment":"neutral","sentiment_score":0.09115075340701474,"num_words":18,"start":845.565,"end":862.3},{"sentences":[{"text":"Yeah.","start":862.3,"end":862.8,"sentiment":"neutral","sentiment_score":0.07241284102201462},{"text":"Basically.","start":863.42,"end":863.92,"sentiment":"neutral","sentiment_score":0.0720294713973999},{"text":"So it is kind of somewhere in the middle where you are wanting to grow your superannuation, while you do have plenty of time exactly like you said.","start":863.98,"end":871.15497,"sentiment":"neutral","sentiment_score":0.15916325045483454},{"text":"I'm also comfortable seeing a bit of short term fluctuations in order to try and grow that.","start":871.21497,"end":876.355,"sentiment":"neutral","sentiment_score":0.14796310049646041},{"text":"When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this.","start":877.455,"end":891.26,"sentiment":"neutral","sentiment_score":0.17284438369626348}],"sentiment":"neutral","sentiment_score":0.16177515292560662,"num_words":91,"start":862.3,"end":891.26},{"sentences":[{"text":"Did that email come through okay?","start":892.12,"end":893.82,"sentiment":"neutral","sentiment_score":0.11105134338140488},{"text":"Yep.","start":895.08496,"end":895.58496,"sentiment":"neutral","sentiment_score":0.06686670333147049},{"text":"So before you click on the link where it says sign now, you should have a couple of attachments at the bottom of the email.","start":896.365,"end":901.96497,"sentiment":"neutral","sentiment_score":0.06606833636760712},{"text":"Yep.","start":901.96497,"end":902.46497,"sentiment":"neutral","sentiment_score":0.06599617749452591},{"text":"So it's the 2025 Vanguard index chart.","start":902.52496,"end":905.58496,"sentiment":"neutral","sentiment_score":0.07070817585502352}],"sentiment":"neutral","sentiment_score":0.0736459145322442,"num_words":40,"start":892.12,"end":905.58496},{"sentences":[{"text":"Yep.","start":907.42,"end":907.82,"sentiment":"neutral","sentiment_score":0.1254793107509613},{"text":"Perfect.","start":907.82,"end":908.32,"sentiment":"neutral","sentiment_score":0.26906728744506836},{"text":"Now you might have seen something like this before, but it is kind of a good visual representation of what we are typically talking about when we're talking about the market.","start":908.54,"end":916.56,"sentiment":"neutral","sentiment_score":0.18296574008080266},{"text":"And this kind of gives us a a good overview in a bit more long term position because it shows you from 1995 through to 2025.","start":916.86,"end":924.995,"sentiment":"neutral","sentiment_score":0.23021723272708747},{"text":"But you can basically see here that over the long term, market always goes up.","start":925.375,"end":929.53503,"sentiment":"neutral","sentiment_score":0.1939370483160019}],"sentiment":"neutral","sentiment_score":0.20217822049115156,"num_words":74,"start":907.42,"end":929.53503},{"sentences":[{"text":"The short term, depending on what is going on in the world, there will be ups and downs and market fluctuations.","start":929.53503,"end":934.59503,"sentiment":"neutral","sentiment_score":-0.026269699757297833},{"text":"So when we are talking about a growth portfolio, we do typically see 80% invested in your top four.","start":935.89,"end":943.97003,"sentiment":"neutral","sentiment_score":0.041449444956685365},{"text":"So you'll have your US shares, Australian shares, international shares, and property.","start":943.97003,"end":947.99,"sentiment":"neutral","sentiment_score":0.07638484798371792},{"text":"Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most.","start":948.625,"end":954.005,"sentiment":"neutral","sentiment_score":0.0657607688067051},{"text":"And then you do have about 20% in the bottom three, so your defensive investments.","start":955.345,"end":960.005,"sentiment":"neutral","sentiment_score":0.18234799057245255}],"sentiment":"neutral","sentiment_score":0.06018810518967208,"num_words":93,"start":929.53503,"end":960.005},{"sentences":[{"text":"And as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit.","start":960.065,"end":968.29,"sentiment":"neutral","sentiment_score":0.16194975127776465},{"text":"So it's about an eighty twenty split.","start":968.29,"end":970.39,"sentiment":"neutral","sentiment_score":0.1035369826214654},{"text":"Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations.","start":971.49,"end":978.435,"sentiment":"neutral","sentiment_score":0.014096484230510119},{"text":"So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop.","start":978.495,"end":984.595,"sentiment":"neutral","sentiment_score":-0.2829166561938249},{"text":"So in a growth portfolio, typically, we want to allow about six years until retirement.","start":985.055,"end":990.595,"sentiment":"neutral","sentiment_score":-0.017083710059523582}],"sentiment":"neutral","sentiment_score":-0.03140394912310401,"num_words":98,"start":960.065,"end":990.595},{"sentences":[{"text":"So you do certainly have the the time behind you.","start":992.01,"end":995.23,"sentiment":"neutral","sentiment_score":0.020994166284799574},{"text":"Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the middle.","start":995.52997,"end":1002.57,"sentiment":"neutral","sentiment_score":-0.05112376850512293},{"text":"So we typically have your aggressive plus, which is super risky investment, people wanting to borrow debt and that kind of stuff.","start":1002.57,"end":1009.09503,"sentiment":"neutral","sentiment_score":-0.0780016365037723},{"text":"You have aggressive, high growth, then growth, which is where we are at the moment for you.","start":1009.09503,"end":1014.955,"sentiment":"neutral","sentiment_score":0.08253435746711843},{"text":"And then you have your balance growth and a balance.","start":1015.015,"end":1017.515,"sentiment":"neutral","sentiment_score":0.05506664104759693}],"sentiment":"neutral","sentiment_score":-0.010845181423910829,"num_words":86,"start":992.01,"end":1017.515},{"sentences":[{"text":"So you kind of typically tape it down to balance balance growth the closer you get through the retirement.","start":1017.815,"end":1024.1499,"sentiment":"neutral","sentiment_score":0.022205933536353865},{"text":"I know you said you wanted to kind of maximize that growth.","start":1025.49,"end":1028.13,"sentiment":"neutral","sentiment_score":0.18874840003748736},{"text":"Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment?","start":1028.13,"end":1039.0449,"sentiment":"neutral","sentiment_score":0.09110178031465586},{"text":"Yep.","start":1041.505,"end":1042.005,"sentiment":"neutral","sentiment_score":0.1857917308807373},{"text":"So what I can do is as part of the research, I'll look at the different investment portfolios.","start":1042.145,"end":1048.005,"sentiment":"neutral","sentiment_score":0.1750362084971534}],"sentiment":"neutral","sentiment_score":0.10858092324009963,"num_words":84,"start":1017.815,"end":1048.005},{"sentences":[{"text":"I'll see fees and, obviously, returns and also if there's any capital gains tax.","start":1048.3049,"end":1052.4,"sentiment":"neutral","sentiment_score":0.12394812383822032},{"text":"And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do.","start":1052.94,"end":1059.9,"sentiment":"neutral","sentiment_score":0.13398259047132272},{"text":"And just for your reference, a high growth portfolio, we wanna say eight years to retirement.","start":1059.9,"end":1064.32,"sentiment":"neutral","sentiment_score":0.11935036280192435},{"text":"So, again, time frame wise, you certainly have that behind you.","start":1064.415,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.21062121878970752},{"text":"And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable.","start":1068.495,"end":1074.995,"sentiment":"neutral","sentiment_score":0.18164331336384235}],"sentiment":"neutral","sentiment_score":0.1513672944986158,"num_words":90,"start":1048.3049,"end":1074.995},{"sentences":[{"text":"But at the same time, I do have seven year olds who are super comfortable but high risk, but then I also have 20 year olds who want the balance.","start":1075.535,"end":1082.28,"sentiment":"neutral","sentiment_score":0.04469475323955218},{"text":"So it also comes down to what you are comfortable with at the same time.","start":1082.3401,"end":1085.9601,"sentiment":"neutral","sentiment_score":0.09321179116765659},{"text":"Alright.","start":1086.9801,"end":1087.38,"sentiment":"neutral","sentiment_score":0.2780192494392395},{"text":"So happy to have a look at your high growth.","start":1087.38,"end":1090.2001,"sentiment":"positive","sentiment_score":0.5868981331586838},{"text":"Yep.","start":1091.385,"end":1091.865,"sentiment":"neutral","sentiment_score":0.2226760983467102}],"sentiment":"neutral","sentiment_score":0.15980168673814388,"num_words":57,"start":1075.535,"end":1091.865},{"sentences":[{"text":"Perfect.","start":1091.865,"end":1092.365,"sentiment":"positive","sentiment_score":0.45498162508010864},{"text":"Now the next document while we are in the email set, is that a twelve month performance report?","start":1094.185,"end":1101.165,"sentiment":"neutral","sentiment_score":0.14932075267036757},{"text":"It says it says Yes.","start":1104.12,"end":1107.96,"sentiment":"neutral","sentiment_score":0.026925180293619632},{"text":"Perfect.","start":1107.96,"end":1108.44,"sentiment":"neutral","sentiment_score":0.29556354880332947},{"text":"Yep.","start":1108.44,"end":1108.6799,"sentiment":"neutral","sentiment_score":0.15502947568893433}],"sentiment":"neutral","sentiment_score":0.14338361919642642,"num_words":26,"start":1091.865,"end":1108.6799},{"sentences":[{"text":"If you can open that one for me.","start":1108.6799,"end":1110.46,"sentiment":"neutral","sentiment_score":0.12703854124993086},{"text":"Yep.","start":1111.5599,"end":1111.96,"sentiment":"neutral","sentiment_score":0.13866779208183289},{"text":"Perfect.","start":1111.96,"end":1112.46,"sentiment":"positive","sentiment_score":0.3573635518550873},{"text":"Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after fees.","start":1113.24,"end":1120.805,"sentiment":"neutral","sentiment_score":0.18936878939469656},{"text":"So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months.","start":1120.865,"end":1125.8451,"sentiment":"neutral","sentiment_score":0.054025464083837425}],"sentiment":"neutral","sentiment_score":0.1280662507603043,"num_words":57,"start":1108.6799,"end":1125.8451},{"sentences":[{"text":"But despite all of that, though, your portfolio has still held up pretty good.","start":1126.145,"end":1130.76,"sentiment":"neutral","sentiment_score":0.31308895136628834},{"text":"So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen.","start":1130.92,"end":1143.26,"sentiment":"positive","sentiment_score":0.46562494058161974},{"text":"Any questions so far?","start":1145.765,"end":1147.0651,"sentiment":"neutral","sentiment_score":0.05753050930798054},{"text":"Nope.","start":1148.165,"end":1148.645,"sentiment":"neutral","sentiment_score":0.10592412948608398},{"text":"Perfect.","start":1148.645,"end":1149.145,"sentiment":"neutral","sentiment_score":0.2735448479652405}],"sentiment":"positive","sentiment_score":0.38255450831582916,"num_words":52,"start":1126.145,"end":1149.145},{"sentences":[{"text":"Now with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one there.","start":1149.365,"end":1157.79,"sentiment":"neutral","sentiment_score":0.18197308083375294},{"text":"Now when you look at the second column to the right, that's all the return on the investment, so all of them.","start":1158.3501,"end":1164.8501,"sentiment":"neutral","sentiment_score":0.14327631958506323},{"text":"Now what's in bracket is what's down at the moment, and then the other ones are up.","start":1165.31,"end":1171.215,"sentiment":"neutral","sentiment_score":0.04816422381383531},{"text":"So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation.","start":1171.455,"end":1180.595,"sentiment":"neutral","sentiment_score":0.17980266287922858},{"text":"So how would you design your portfolio as well is that we want to make sure it is very diversified.","start":1180.815,"end":1186.0349,"sentiment":"positive","sentiment_score":0.41083152815699575}],"sentiment":"neutral","sentiment_score":0.19422596838455974,"num_words":114,"start":1149.365,"end":1186.0349},{"sentences":[{"text":"We do have you in different industries and different markets.","start":1186.88,"end":1190.0,"sentiment":"neutral","sentiment_score":0.30679566562175753},{"text":"So if one market's doing really good, it kind of then help balance things out.","start":1190.0,"end":1194.16,"sentiment":"positive","sentiment_score":0.444725622733434},{"text":"Because if you put everything in one section, it could make it really, really good one year and then be really down another.","start":1194.16,"end":1201.205,"sentiment":"neutral","sentiment_score":0.13364077634785487},{"text":"So we do wanna obviously smooth things out and diversify things for you.","start":1201.205,"end":1205.1449,"sentiment":"positive","sentiment_score":0.4887872017346896},{"text":"But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it.","start":1205.2849,"end":1221.52,"sentiment":"neutral","sentiment_score":-0.12576272126672597}],"sentiment":"neutral","sentiment_score":0.09976953480924879,"num_words":119,"start":1186.88,"end":1221.52},{"sentences":[{"text":"So at the end of the day, we do have you in the best options possible for you and your retirement.","start":1221.58,"end":1225.76,"sentiment":"positive","sentiment_score":0.5050613553751082},{"text":"So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices.","start":1228.235,"end":1239.2949,"sentiment":"neutral","sentiment_score":-0.08271407559514046},{"text":"Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other ETF.","start":1239.9801,"end":1244.8,"sentiment":"neutral","sentiment_score":0.11098854142156514},{"text":"And the purpose is to actively buy and sell different investments in order to try to outperform the market.","start":1245.02,"end":1250.4,"sentiment":"neutral","sentiment_score":0.24240906066016146},{"text":"Now because of that, it can be a little bit more expensive, and, usually, it does pay out where if you are paying a little bit more and they do the active management, the returns comes with it, which is what they have been doing, and that was why they were added to your portfolio.","start":1250.9401,"end":1263.635,"sentiment":"neutral","sentiment_score":0.023347474363717168}],"sentiment":"neutral","sentiment_score":0.09955004199295286,"num_words":157,"start":1221.58,"end":1263.635},{"sentences":[{"text":"But like I said, more recently, they've been a little bit slower in making their investment choices.","start":1264.255,"end":1268.83,"sentiment":"negative","sentiment_score":-0.34813615022336736},{"text":"And right now, we do foresee that there are better options out there that we would like to look at changing it.","start":1269.21,"end":1275.07,"sentiment":"neutral","sentiment_score":-0.0048539647832512856},{"text":"So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future.","start":1275.2899,"end":1287.8451,"sentiment":"neutral","sentiment_score":0.0913803203497082},{"text":"Does that make sense?","start":1288.385,"end":1289.365,"sentiment":"neutral","sentiment_score":0.08892788551747799},{"text":"Yep.","start":1290.4651,"end":1290.9651,"sentiment":"neutral","sentiment_score":0.12620829045772552}],"sentiment":"neutral","sentiment_score":-0.022475823006104855,"num_words":84,"start":1264.255,"end":1290.9651},{"sentences":[{"text":"Yep.","start":1291.025,"end":1291.505,"sentiment":"neutral","sentiment_score":0.21445100009441376},{"text":"Perfect.","start":1291.505,"end":1292.005,"sentiment":"positive","sentiment_score":0.5082598924636841},{"text":"Now the next documents, can you see does it say certificate of currency?","start":1293.265,"end":1298.5801,"sentiment":"neutral","sentiment_score":0.09531885528793702},{"text":"Yep.","start":1300.0801,"end":1300.4801,"sentiment":"neutral","sentiment_score":0.19984404742717743},{"text":"Perfect.","start":1300.4801,"end":1300.9801,"sentiment":"positive","sentiment_score":0.482679545879364}],"sentiment":"neutral","sentiment_score":0.15555174144751885,"num_words":17,"start":1291.025,"end":1300.9801},{"sentences":[{"text":"Now that one here breaks down your current insurances with Clearview.","start":1301.76,"end":1306.1001,"sentiment":"neutral","sentiment_score":0.22750224037603897},{"text":"Basically, let you know that's all paid and up to date.","start":1306.64,"end":1309.7001,"sentiment":"neutral","sentiment_score":0.20223122293298895},{"text":"But if you can actually get out of this one and then go to the bottom where it should say super and insurance summary, that one kind of outlines it a bit easier often if you can have a look at that.","start":1310.915,"end":1323.1749,"sentiment":"neutral","sentiment_score":0.1779344892572789},{"text":"Yeah.","start":1324.2899,"end":1324.69,"sentiment":"neutral","sentiment_score":0.2566196024417877},{"text":"Perfect.","start":1324.69,"end":1325.19,"sentiment":"positive","sentiment_score":0.43555688858032227}],"sentiment":"neutral","sentiment_score":0.19534080509435048,"num_words":66,"start":1301.76,"end":1325.19},{"sentences":[{"text":"So that one here shows you that you have your super with hub twenty four, and you do have about 154,627.","start":1325.4099,"end":1333.99,"sentiment":"neutral","sentiment_score":0.2055221050977707},{"text":"Now I do actually wanna triple check as well because I know you have gone through, a separation recently.","start":1334.2899,"end":1339.565,"sentiment":"neutral","sentiment_score":0.07284958327287122},{"text":"Do you know if anything with your super is changing?","start":1340.105,"end":1343.0049,"sentiment":"neutral","sentiment_score":0.030424167215824128},{"text":"Sweet.","start":1347.3049,"end":1347.705,"sentiment":"neutral","sentiment_score":0.21689701080322263},{"text":"Perfect.","start":1347.705,"end":1348.205,"sentiment":"neutral","sentiment_score":0.29040372371673584}],"sentiment":"neutral","sentiment_score":0.1252240133829988,"num_words":52,"start":1325.4099,"end":1348.205},{"sentences":[{"text":"That That's all sorted.","start":1349.465,"end":1352.62,"sentiment":"neutral","sentiment_score":0.18806162104010582},{"text":"Okay.","start":1352.84,"end":1353.1599,"sentiment":"neutral","sentiment_score":0.2486344277858734},{"text":"Perfect.","start":1353.1599,"end":1353.48,"sentiment":"positive","sentiment_score":0.3740566372871399},{"text":"Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that.","start":1353.48,"end":1358.6799,"sentiment":"neutral","sentiment_score":0.13878646763888272},{"text":"So that is good.","start":1358.6799,"end":1359.82,"sentiment":"positive","sentiment_score":0.43699079006910324}],"sentiment":"neutral","sentiment_score":0.19300634367391467,"num_words":32,"start":1349.465,"end":1359.82},{"sentences":[{"text":"Now with your insurances as well.","start":1360.44,"end":1362.36,"sentiment":"neutral","sentiment_score":0.1196788710852464},{"text":"So you have insurances with ClearView.","start":1362.36,"end":1364.2999,"sentiment":"neutral","sentiment_score":0.0790546548863252},{"text":"You have life and total permanent disability of about 838,000.","start":1365.3351,"end":1370.795,"sentiment":"neutral","sentiment_score":0.0633858647197485},{"text":"Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances?","start":1372.055,"end":1382.95,"sentiment":"neutral","sentiment_score":0.06716814541663879},{"text":"That's fine.","start":1385.17,"end":1385.57,"sentiment":"positive","sentiment_score":0.42561809718608856}],"sentiment":"neutral","sentiment_score":0.08408021696266674,"num_words":63,"start":1360.44,"end":1385.57},{"sentences":[{"text":"Yep.","start":1385.57,"end":1385.89,"sentiment":"neutral","sentiment_score":0.2731367349624634},{"text":"And it will still obviously cover the mortgage if something were to happen to you or if you're unable to go back to work, then you don't have the mortgage to worry about.","start":1385.89,"end":1392.87,"sentiment":"neutral","sentiment_score":0.23371673330213083},{"text":"And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if something do were to happen to you.","start":1392.885,"end":1405.14,"sentiment":"neutral","sentiment_score":0.32388213478230143},{"text":"And it's quite affordable as well.","start":1406.34,"end":1407.9401,"sentiment":"positive","sentiment_score":0.7381346126397451},{"text":"And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month.","start":1407.9401,"end":1416.52,"sentiment":"positive","sentiment_score":0.40009130239486695}],"sentiment":"positive","sentiment_score":0.3340212540681829,"num_words":97,"start":1385.57,"end":1416.52},{"sentences":[{"text":"You have a thirty day waiting period and a five year benefit period.","start":1416.8201,"end":1420.52,"sentiment":"neutral","sentiment_score":0.292722436097952},{"text":"All three paid from within superannuation.","start":1421.595,"end":1424.015,"sentiment":"neutral","sentiment_score":0.2571028570334117},{"text":"You do get a tax rebate.","start":1424.635,"end":1426.095,"sentiment":"neutral","sentiment_score":0.3319799602031708},{"text":"So after that, it is 1,437.","start":1426.155,"end":1429.535,"sentiment":"neutral","sentiment_score":0.23728988567988077},{"text":"Are you happy with your income protection as well?","start":1429.755,"end":1432.095,"sentiment":"positive","sentiment_score":0.4276338517665863}],"sentiment":"neutral","sentiment_score":0.3153083138167858,"num_words":40,"start":1416.8201,"end":1432.095},{"sentences":[{"text":"Yep.","start":1433.05,"end":1433.55,"sentiment":"neutral","sentiment_score":0.2161480039358139},{"text":"Perfect.","start":1433.6901,"end":1434.1901,"sentiment":"positive","sentiment_score":0.4877055287361145},{"text":"Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one.","start":1436.09,"end":1448.085,"sentiment":"neutral","sentiment_score":0.10290497935870115},{"text":"Can you see those?","start":1448.085,"end":1449.7849,"sentiment":"neutral","sentiment_score":0.03169461339712143},{"text":"Yep.","start":1450.1649,"end":1450.565,"sentiment":"neutral","sentiment_score":0.09068508446216585}],"sentiment":"neutral","sentiment_score":0.10780698460776632,"num_words":41,"start":1433.05,"end":1450.565},{"sentences":[{"text":"Perfect.","start":1450.565,"end":1451.0449,"sentiment":"neutral","sentiment_score":0.23970083892345428},{"text":"So if you wanna open let me just see here.","start":1451.0449,"end":1454.1849,"sentiment":"neutral","sentiment_score":0.08589501716196538},{"text":"The second one.","start":1455.5249,"end":1457.445,"sentiment":"neutral","sentiment_score":0.04226832961042722},{"text":"So the Oakview services guide version one.","start":1457.445,"end":1460.58,"sentiment":"neutral","sentiment_score":0.04403729896460261},{"text":"Now I'll let you have a read over the version four by yourself.","start":1460.82,"end":1464.6599,"sentiment":"neutral","sentiment_score":0.04933321218077953}],"sentiment":"neutral","sentiment_score":0.06397202501402181,"num_words":34,"start":1450.565,"end":1464.6599},{"sentences":[{"text":"It is just a smaller version, essentially, of the big one.","start":1464.6599,"end":1467.64,"sentiment":"neutral","sentiment_score":0.07425861941142516},{"text":"Now you would have seen this one plenty of times before.","start":1469.14,"end":1471.96,"sentiment":"neutral","sentiment_score":0.09097709235819904},{"text":"We do send it to you every time at annual review time.","start":1472.0199,"end":1475.08,"sentiment":"neutral","sentiment_score":0.16708146780729294},{"text":"It is one of those compliance documents.","start":1475.6849,"end":1477.7849,"sentiment":"neutral","sentiment_score":0.15687898014272963},{"text":"It does give you all the important information in regards to us.","start":1477.845,"end":1481.465,"sentiment":"neutral","sentiment_score":0.20931130771835646}],"sentiment":"neutral","sentiment_score":0.1402350754108069,"num_words":53,"start":1464.6599,"end":1481.465},{"sentences":[{"text":"None of the important information has changed, but we've had a bit of an update on marketing.","start":1483.205,"end":1487.705,"sentiment":"neutral","sentiment_score":0.028558080468107674},{"text":"So as you scroll through, you might see a bit of an updated photos of the team and everything like that.","start":1487.765,"end":1493.16,"sentiment":"neutral","sentiment_score":0.0876894277476129},{"text":"You will see all the directors, the advices as well.","start":1494.02,"end":1498.12,"sentiment":"neutral","sentiment_score":0.1456019788980484},{"text":"And as you do scroll through on page nine, you will see myself as well if you do wanna put a face to the board.","start":1498.26,"end":1506.365,"sentiment":"neutral","sentiment_score":0.16156223833560943},{"text":"No.","start":1513.465,"end":1513.625,"sentiment":"neutral","sentiment_score":-0.022830631583929065}],"sentiment":"neutral","sentiment_score":0.10539473603303368,"num_words":74,"start":1483.205,"end":1513.625},{"sentences":[{"text":"That's okay.","start":1513.625,"end":1514.505,"sentiment":"neutral","sentiment_score":-0.017290827818214893},{"text":"Or it might be 10, actually.","start":1514.505,"end":1516.125,"sentiment":"neutral","sentiment_score":0.009768058701107899},{"text":"I'm right next to Dana.","start":1517.39,"end":1518.69,"sentiment":"neutral","sentiment_score":0.031700652092695236},{"text":"Yep.","start":1521.47,"end":1521.87,"sentiment":"neutral","sentiment_score":0.0666048675775528},{"text":"Yep.","start":1521.87,"end":1522.35,"sentiment":"neutral","sentiment_score":0.1466919183731079}],"sentiment":"neutral","sentiment_score":0.0263884495322903,"num_words":15,"start":1513.625,"end":1522.35},{"sentences":[{"text":"Perfect.","start":1522.35,"end":1522.85,"sentiment":"positive","sentiment_score":0.4435722827911377},{"text":"So sometimes it is nice to see who you're talking to as well when we're doing things over the phone.","start":1522.9099,"end":1527.4099,"sentiment":"positive","sentiment_score":0.36573200188577176},{"text":"And that was essentially all of those documents.","start":1528.75,"end":1531.4099,"sentiment":"neutral","sentiment_score":0.044354707933962345},{"text":"Now if you are happy to do so, if you press the link where it says sign now, it will ask you to sign two documents.","start":1532.085,"end":1540.905,"sentiment":"neutral","sentiment_score":0.09231816189220318},{"text":"Now one of them is your ongoing service agreement.","start":1541.845,"end":1546.59,"sentiment":"neutral","sentiment_score":0.036803981082306966}],"sentiment":"neutral","sentiment_score":0.16944621910806745,"num_words":64,"start":1522.35,"end":1546.59},{"sentences":[{"text":"Actually, I think you might only have one because I think you've signed the other one before.","start":1546.59,"end":1550.29,"sentiment":"neutral","sentiment_score":0.01836008710019729},{"text":"Can you only see one document?","start":1550.35,"end":1551.89,"sentiment":"neutral","sentiment_score":0.0005339919589459896},{"text":"Yep.","start":1553.55,"end":1553.95,"sentiment":"neutral","sentiment_score":0.15279294550418854},{"text":"Perfect.","start":1553.95,"end":1554.45,"sentiment":"positive","sentiment_score":0.4199398458003998},{"text":"The other one was just a tax file number declaration, which you must have signed last time.","start":1554.75,"end":1559.09,"sentiment":"neutral","sentiment_score":0.190721918554867}],"sentiment":"neutral","sentiment_score":0.09834121045700851,"num_words":42,"start":1546.59,"end":1559.09},{"sentences":[{"text":"So this is just your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1559.6749,"end":1566.4149,"sentiment":"positive","sentiment_score":0.4171726579467456},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1567.0349,"end":1570.735,"sentiment":"neutral","sentiment_score":0.06901798862963915},{"text":"It stays exactly the same at 1.65 from Super.","start":1570.875,"end":1574.815,"sentiment":"neutral","sentiment_score":0.2445679853359858},{"text":"So no changes in regards to that, and it is not a lock in contract.","start":1575.32,"end":1579.08,"sentiment":"neutral","sentiment_score":0.07294780127704144},{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1579.08,"end":1582.94,"sentiment":"neutral","sentiment_score":0.02079430181119177}],"sentiment":"neutral","sentiment_score":0.18602546120587832,"num_words":78,"start":1559.6749,"end":1582.94},{"sentences":[{"text":"But this essentially lets us service your account and manage all your investments and everything like that for you in the meantime.","start":1583.4,"end":1589.655,"sentiment":"neutral","sentiment_score":0.27772476320916956},{"text":"Yep.","start":1591.5751,"end":1592.055,"sentiment":"neutral","sentiment_score":0.11986088752746582},{"text":"So if you're happy to do so, it will ask you just to add a signature and a date.","start":1592.055,"end":1596.395,"sentiment":"neutral","sentiment_score":0.14328094807110334},{"text":"It should then say validate.","start":1596.855,"end":1598.875,"sentiment":"neutral","sentiment_score":0.12553361505270005},{"text":"And when you press validate, it should, yeah, it should then send it back to me.","start":1601.015,"end":1606.07,"sentiment":"neutral","sentiment_score":0.11966090393252671}],"sentiment":"neutral","sentiment_score":0.18245057507403314,"num_words":63,"start":1583.4,"end":1606.07},{"sentences":[{"text":"Yep.","start":1606.07,"end":1606.47,"sentiment":"neutral","sentiment_score":0.18782490491867063},{"text":"Perfect.","start":1606.47,"end":1606.97,"sentiment":"positive","sentiment_score":0.5435406565666199},{"text":"That's exactly good.","start":1607.03,"end":1609.03,"sentiment":"positive","sentiment_score":0.6835724711418152},{"text":"I've got all of that through.","start":1609.03,"end":1610.73,"sentiment":"positive","sentiment_score":0.5125171095132828},{"text":"Now let me just see if there was anything else I needed to confirm while I do have you on the phone.","start":1611.03,"end":1615.69,"sentiment":"neutral","sentiment_score":0.13571005009792067}],"sentiment":"neutral","sentiment_score":0.2679638404286269,"num_words":33,"start":1606.07,"end":1615.69},{"sentences":[{"text":"I know you kinda went through a bit of a fact find back in February, I think.","start":1617.125,"end":1622.025,"sentiment":"neutral","sentiment_score":0.021386934225173557},{"text":"Is there anything else that has changed in your personal situation that we haven't gone over otherwise?","start":1622.245,"end":1627.7051,"sentiment":"neutral","sentiment_score":-0.027743906440103754},{"text":"No.","start":1629.6201,"end":1629.78,"sentiment":"neutral","sentiment_score":-0.03502100333571434},{"text":"Okay.","start":1629.78,"end":1630.1001,"sentiment":"neutral","sentiment_score":0.07793854922056198},{"text":"Perfect.","start":1630.1001,"end":1630.6001,"sentiment":"neutral","sentiment_score":0.21740981936454773}],"sentiment":"neutral","sentiment_score":0.004115103718799514,"num_words":37,"start":1617.125,"end":1630.6001},{"sentences":[{"text":"And I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you.","start":1631.2201,"end":1638.92,"sentiment":"neutral","sentiment_score":0.09927015354235967},{"text":"Otherwise, I have here the last time we spoke, your main focus was just to kind of pay down the mortgage otherwise.","start":1639.8601,"end":1645.9451,"sentiment":"neutral","sentiment_score":0.07107711210846901},{"text":"Is that still kind of the the goal for you?","start":1646.165,"end":1648.505,"sentiment":"neutral","sentiment_score":0.13875240832567215},{"text":"Yep.","start":1650.0851,"end":1650.485,"sentiment":"neutral","sentiment_score":0.10925503820180892},{"text":"Perfect.","start":1650.485,"end":1650.985,"sentiment":"neutral","sentiment_score":0.0602462999522686}],"sentiment":"neutral","sentiment_score":0.09529416396981105,"num_words":64,"start":1631.2201,"end":1650.985},{"sentences":[{"text":"Yeah.","start":1653.365,"end":1653.865,"sentiment":"neutral","sentiment_score":0.02976292744278908},{"text":"Okay.","start":1655.765,"end":1656.265,"sentiment":"neutral","sentiment_score":0.05481061339378357},{"text":"Yeah.","start":1658.8099,"end":1659.3099,"sentiment":"neutral","sentiment_score":0.054160840809345245},{"text":"Upgrade the car and then mortgage.","start":1659.9299,"end":1661.61,"sentiment":"neutral","sentiment_score":0.08056633174419403},{"text":"Is there anything else that you're kind of working to towards or anything?","start":1661.61,"end":1665.3099,"sentiment":"neutral","sentiment_score":0.04294579870139177}],"sentiment":"neutral","sentiment_score":0.05365580705587159,"num_words":22,"start":1653.365,"end":1665.3099},{"sentences":[{"text":"That's the main okay.","start":1666.4099,"end":1667.85,"sentiment":"neutral","sentiment_score":-0.05470377579331398},{"text":"Perfect.","start":1667.85,"end":1668.35,"sentiment":"positive","sentiment_score":0.5300871133804321},{"text":"Now that was essentially everything that I needed to touch base from my end with you.","start":1669.695,"end":1674.975,"sentiment":"positive","sentiment_score":0.45496029406785965},{"text":"Do you have any other questions, or was there anything else that you wanted to discuss and talk about today?","start":1674.975,"end":1679.635,"sentiment":"neutral","sentiment_score":0.22403126135468482},{"text":"No?","start":1681.15,"end":1681.31,"sentiment":"neutral","sentiment_score":0.02846689149737358}],"sentiment":"neutral","sentiment_score":0.2880887817591429,"num_words":42,"start":1666.4099,"end":1681.31},{"sentences":[{"text":"Okay.","start":1681.31,"end":1681.71,"sentiment":"neutral","sentiment_score":0.2362164556980133},{"text":"Perfect.","start":1681.71,"end":1682.11,"sentiment":"positive","sentiment_score":0.4421038627624512},{"text":"So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you.","start":1682.11,"end":1691.97,"sentiment":"neutral","sentiment_score":0.28336303580451655},{"text":"Now it will take me about a week or so to put together all the research.","start":1692.35,"end":1697.8451,"sentiment":"neutral","sentiment_score":0.16916843317449093},{"text":"Now I am fully booked next week already, but the following week after that, so the twenty fifth through the May 29, Do you have any time during that week that works best for you?","start":1699.745,"end":1713.2799,"sentiment":"neutral","sentiment_score":0.07341310190302985}],"sentiment":"neutral","sentiment_score":0.1826545126736164,"num_words":90,"start":1681.31,"end":1713.2799},{"sentences":[{"text":"Is there any particular day?","start":1724.315,"end":1725.695,"sentiment":"neutral","sentiment_score":0.021171392872929573},{"text":"Monday or Tuesday?","start":1725.755,"end":1726.6549,"sentiment":"neutral","sentiment_score":0.021704201586544514},{"text":"Okay.","start":1727.0349,"end":1727.355,"sentiment":"neutral","sentiment_score":0.04856984317302704},{"text":"Let me have a look.","start":1727.355,"end":1728.575,"sentiment":"neutral","sentiment_score":0.05711244344711304},{"text":"Now I could do either Monday the twenty fifth at 01:30, or I could do Tuesday, the twenty sixth at 4PM.","start":1729.115,"end":1743.36,"sentiment":"neutral","sentiment_score":0.04848234249012811}],"sentiment":"neutral","sentiment_score":0.04352088062358754,"num_words":35,"start":1724.315,"end":1743.36},{"sentences":[{"text":"Would either of those times work?","start":1743.4199,"end":1745.12,"sentiment":"neutral","sentiment_score":0.03680554311722517},{"text":"Monday, 01:30.","start":1747.26,"end":1748.22,"sentiment":"neutral","sentiment_score":0.03388209268450737},{"text":"Okay.","start":1748.22,"end":1748.46,"sentiment":"neutral","sentiment_score":0.21397891640663147},{"text":"Perfect.","start":1748.46,"end":1748.86,"sentiment":"positive","sentiment_score":0.44367969036102295},{"text":"Nice and easy now on the same time frame as well, especially because we do have clients all around Australia.","start":1748.86,"end":1755.075,"sentiment":"positive","sentiment_score":0.3653117962181568}],"sentiment":"neutral","sentiment_score":0.2750830658401052,"num_words":30,"start":1743.4199,"end":1755.075},{"sentences":[{"text":"And with the different time zones, it goes gets a bit crazy at times.","start":1755.075,"end":1759.255,"sentiment":"neutral","sentiment_score":0.08452593082828182},{"text":"So that is all booked in on Monday, May 25 at 01:30PM.","start":1760.0349,"end":1765.6549,"sentiment":"neutral","sentiment_score":0.1399102850506703},{"text":"I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together.","start":1766.28,"end":1772.9401,"sentiment":"neutral","sentiment_score":0.22097566255501339},{"text":"And then we can see what you wanna do and take it from there.","start":1773.9601,"end":1776.9401,"sentiment":"neutral","sentiment_score":0.18698775981153762},{"text":"K.","start":1778.375,"end":1778.7749,"sentiment":"neutral","sentiment_score":0.2228809893131256}],"sentiment":"neutral","sentiment_score":0.1768045298461067,"num_words":76,"start":1755.075,"end":1778.7749},{"sentences":[{"text":"Perfect.","start":1778.7749,"end":1779.2749,"sentiment":"positive","sentiment_score":0.4410876035690307},{"text":"Now was there anything else I can help you with before I let you go, and enjoy the rest of your day otherwise, Ellen?","start":1779.975,"end":1785.195,"sentiment":"neutral","sentiment_score":0.3277351763099432},{"text":"Perfect.","start":1786.2949,"end":1786.7949,"sentiment":"neutral","sentiment_score":0.19005756080150604},{"text":"Would you like a reminder text sent two hours before the appointment in case something comes up?","start":1788.1349,"end":1792.875,"sentiment":"neutral","sentiment_score":0.11515029804671512},{"text":"Yep.","start":1793.47,"end":1793.7899,"sentiment":"positive","sentiment_score":0.4332368075847626}],"sentiment":"neutral","sentiment_score":0.2474450288679112,"num_words":44,"start":1778.7749,"end":1793.7899},{"sentences":[{"text":"Perfect.","start":1793.7899,"end":1794.2899,"sentiment":"positive","sentiment_score":0.7423307299613953},{"text":"Actually, one thing I do know here as well on the account, it looks like we haven't received your hub 24 and your ClearView beneficiary forms back.","start":1794.9099,"end":1803.49,"sentiment":"neutral","sentiment_score":0.15135386903528814},{"text":"So that is if something were to happen to you who you want to nominate.","start":1803.71,"end":1807.25,"sentiment":"neutral","sentiment_score":0.0580801876882712},{"text":"Do you if you still have them, but if not, I can always get the team just to either do you have access to a printer?","start":1808.3451,"end":1821.9651,"sentiment":"neutral","sentiment_score":-0.020126605263123147},{"text":"Okay.","start":1825.15,"end":1825.5499,"sentiment":"neutral","sentiment_score":0.022676004096865657}],"sentiment":"neutral","sentiment_score":0.07427817537848438,"num_words":70,"start":1793.7899,"end":1825.5499},{"sentences":[{"text":"Because what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating.","start":1825.5499,"end":1831.73,"sentiment":"neutral","sentiment_score":-0.1645804923772812},{"text":"What I can do, if you do have access to a printer, I can get the team to email it to you.","start":1832.83,"end":1838.2899,"sentiment":"neutral","sentiment_score":0.10447807491502979},{"text":"That way, when you still just have to print it and sign it, unless you do have no.","start":1838.8049,"end":1843.7649,"sentiment":"neutral","sentiment_score":0.24260422711571059},{"text":"You would have sent them through.","start":1843.7649,"end":1845.065,"sentiment":"neutral","sentiment_score":0.1605965420603752},{"text":"Otherwise, just scan it.","start":1845.6849,"end":1846.965,"sentiment":"neutral","sentiment_score":0.12632383964955807}],"sentiment":"neutral","sentiment_score":0.053596747169891996,"num_words":75,"start":1825.5499,"end":1846.965},{"sentences":[{"text":"And then if it's in an email, it's there, and then we can definitely see it.","start":1846.965,"end":1850.825,"sentiment":"neutral","sentiment_score":0.2557770637795329},{"text":"Yep.","start":1851.96,"end":1852.46,"sentiment":"neutral","sentiment_score":0.11590777337551116},{"text":"And do you know who you would like to nominate?","start":1852.92,"end":1854.86,"sentiment":"neutral","sentiment_score":0.07270768769085408},{"text":"No.","start":1857.8,"end":1858.12,"sentiment":"neutral","sentiment_score":-0.0529063418507576},{"text":"Okay.","start":1858.12,"end":1858.62,"sentiment":"neutral","sentiment_score":0.001601889729499817}],"sentiment":"neutral","sentiment_score":0.1684176971943214,"num_words":29,"start":1846.965,"end":1858.62},{"sentences":[{"text":"If you do wanna talk about it or if you have any questions, let me know.","start":1859.48,"end":1862.78,"sentiment":"neutral","sentiment_score":0.05991201847791672},{"text":"Because when it comes to nominations as well, there are some restrictions on who you can actually nominate directly through your superannuation.","start":1862.84,"end":1872.3151,"sentiment":"neutral","sentiment_score":-0.11996788243678483},{"text":"So for direct nomination, it has to be a spouse, a child, or someone who you are in a financial dependent or interdependent relationship with, or you can nominate a lawyer.","start":1874.135,"end":1886.95,"sentiment":"neutral","sentiment_score":-0.03360592273454512},{"text":"So if you do go through the will, then, obviously, through the will, you can nominate whoever you want.","start":1887.25,"end":1891.4299,"sentiment":"neutral","sentiment_score":0.042838514341335544},{"text":"There are different tax consequences with the different scenarios as well.","start":1893.495,"end":1897.595,"sentiment":"neutral","sentiment_score":-0.1406103331934322}],"sentiment":"neutral","sentiment_score":-0.03490168298359471,"num_words":99,"start":1859.48,"end":1897.595},{"sentences":[{"text":"So if it is that you have a think about it and when we do speak on the twenty fifth, you want to check anything with me, just let me know.","start":1897.735,"end":1905.18,"sentiment":"neutral","sentiment_score":0.13033283646068267},{"text":"If not, otherwise, I'll leave that to you.","start":1905.7401,"end":1907.7401,"sentiment":"neutral","sentiment_score":0.07021179981529713},{"text":"I'll keep a lookout for that email to come back as well.","start":1907.7401,"end":1911.3401,"sentiment":"neutral","sentiment_score":0.23573259885112444},{"text":"So it will be my team who will email them to you.","start":1911.3401,"end":1914.2401,"sentiment":"neutral","sentiment_score":0.2556835524737835},{"text":"And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time.","start":1915.42,"end":1920.3201,"sentiment":"positive","sentiment_score":0.407478308548098}],"sentiment":"neutral","sentiment_score":0.23105822373614754,"num_words":86,"start":1897.735,"end":1920.3201},{"sentences":[{"text":"Perfect.","start":1922.115,"end":1922.615,"sentiment":"positive","sentiment_score":0.8234167098999023},{"text":"Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth.","start":1922.915,"end":1927.015,"sentiment":"positive","sentiment_score":0.686495271168257},{"text":"No no problem.","start":1928.595,"end":1929.555,"sentiment":"positive","sentiment_score":0.5219521919886271},{"text":"We'll speak soon.","start":1929.555,"end":1930.535,"sentiment":"positive","sentiment_score":0.3861493368943532},{"text":"Bye.","start":1931.395,"end":1931.895,"sentiment":"neutral","sentiment_score":-0.1265590786933899}],"sentiment":"positive","sentiment_score":0.609798976668605,"num_words":27,"start":1922.115,"end":1931.895}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. Good. Thanks. How are you? Yeah. Sure. Yep. That's fine. 3Luna500? Yeah. Not bad yourself? Mhmm. Yeah. Sure. Yeah. Yeah. I'm I'm just mainly curious about, like, sort of I I feel like it's probably time to start preparing for retirement. So things like salary sacrifice and super and that sort of thing that we should be looking at. Mhmm. Yep. Yeah. I think I think so. Yeah. I think that probably more likely per month. Yeah. I've never held I've never gotten 4,000 500 in a week in my life. Yeah. If I if I had that much money on hand, I wouldn't be too worried about salary sacrificing. Yep. Yep. It had gone up slightly recently. What is it on top of my head? Two seconds. Let's let's we're right about it's about 01:10. Yeah. I I think it's slightly more than that, but I I don't have the exact value in front of me. That's Close enough. Yes. But they're not reliable. It's basically depending on company performance. So I I just generally assume they don't exist. The thing is now yeah. I did get one this year. I think it was 5 k. That's a yearly thing. Yeah. That's a good question. I do not know that. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. I I I feel like if I if I had to pick a pick one, I think it comes down on yes. They did pay contributions on it. I do feel like I remember seeing something on the sheet. Mhmm. Yep. Mhmm. Yep. Yep. I was thinking just, like, 1 or 200 a month just yeah. Because, yeah, as I've just bought the house and, you know, that that loan is still quite high and interest rates going up. I don't wanna start throwing too much out. Yeah. Let's go a 100. Yep. Yep. Mhmm. Mhmm. Okay. Yeah. That's why that's why I was starting with, like, a small amount because, yeah, because I don't, you know, I don't wanna yeah. That way I don't that way I don't that way I don't need to worry about it so much. You know? Mhmm. Yep. Yep. That'd be the 6357 Chucklewly Street. The the other one, 59 Hawke Drive. Yeah. That was on my cell. So yep. Yep. Yeah. Do you need the limit on the credit card? Because that that could change, and I'm basically, zero I zero it out every month. Yeah. I'm glad I kept finding area points in that one. Yeah. Nine. Nine. None at all. Yep. Yep. My email? Yep. Mhmm. Yeah. I can yep. No. Mhmm. Yep. Sorry. Go ahead. I would say high risk still at this stage in my life. I'd probably be considering investing more if assuming it was a company that I didn't think was gonna disappear as part of this. Yeah. Yep. Yep. Yeah. Probably cautious. Not at this time. No. If I was interested in buying a best property, yes. Yes. Correct. Mhmm. Well, it shouldn't mean we're taking more risk in order to, you know, yeah, grow grow the portfolio, you know, seeing if I've got time to go before retirement. We're not holding, but just, yeah, We're making it bigger. Mhmm. Yeah. Which one am I, I think? Yep. Okay. Yeah. What can I add now? Mhmm. Mhmm. Yep. Yep. Okay. Okay. Yep. Yeah. We could probably shift to a higher growth. Mhmm. Yep. Okay. Yep. Okay. Yes. Okay. What have we got? Twelve month hub 24. Is that the one? Yep. Mhmm. Nope. Yep. Mhmm. Mhmm. Okay. Yep. That does. Yep. Got that one. Yes. Look at that. No. We've already done we've already done the withdrawal there. Right? So I sent money across from that. Yep. Everything everything there is done. They're all everything's complete. I think that's fine. Yep. Yep. Yes. Mhmm. Okay. Mhmm. The page numbers are nice and consistent. This this is six seven eight nine. Yep. There you are. Gotcha. Mhmm. Okay. Yep. Doing its thing now. Yep. Done. No. Yeah. I might need to look at buying a car in what is it? Four four years or so. My my son turns 18 and and in my my current one. Not at this time. No. No. I'm good. Mhmm. Hang on. Twenty fifth to May 29. Monday or Tuesday, fine. Monday at 01:30 would work. Yep. Okay. Nope. That's it. Yes, please. Yep. Okay. I don't about it. Did they like, did they new ones? Or did they need to do new ones? Or because I swear I've sent it to you guys several times now. Yeah. Yep. Yep. This time, not sure. Mhmm. Mhmm. Okay. Mhmm. Okay. Mhmm. Yep. Okay. No worries. Alright. See you later. 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Yes. It is. Good. Thanks.\n\nHow are you? Yeah. Sure. Yep. That's fine.\n\n3Luna500? Yeah. Not bad yourself? Mhmm. Yeah.\n\nSure. Yeah. Yeah. I'm I'm just mainly curious about, like, sort of I I feel like it's probably time to start preparing for retirement. So things like salary sacrifice and super and that sort of thing that we should be looking at.\n\nMhmm. Yep. Yeah. I think I think so. Yeah.\n\nI think that probably more likely per month. Yeah. I've never held I've never gotten 4,000 500 in a week in my life. Yeah. If I if I had that much money on hand, I wouldn't be too worried about salary sacrificing.\n\nYep. Yep. It had gone up slightly recently. What is it on top of my head? Two seconds.\n\nLet's let's we're right about it's about 01:10. Yeah. I I think it's slightly more than that, but I I don't have the exact value in front of me. That's Close enough. Yes.\n\nBut they're not reliable. It's basically depending on company performance. So I I just generally assume they don't exist. The thing is now yeah. I did get one this year.\n\nI think it was 5 k. That's a yearly thing. Yeah. That's a good question. I do not know that.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYeah. I I I feel like if I if I had to pick a pick one, I think it comes down on yes. They did pay contributions on it. I do feel like I remember seeing something on the sheet. Mhmm.\n\nYep. Mhmm. Yep. Yep. I was thinking just, like, 1 or 200 a month just yeah.\n\nBecause, yeah, as I've just bought the house and, you know, that that loan is still quite high and interest rates going up. I don't wanna start throwing too much out. Yeah. Let's go a 100. Yep.\n\nYep. Mhmm. Mhmm. Okay. Yeah.\n\nThat's why that's why I was starting with, like, a small amount because, yeah, because I don't, you know, I don't wanna yeah. That way I don't that way I don't that way I don't need to worry about it so much. You know? Mhmm. Yep.\n\nYep. That'd be the 6357 Chucklewly Street. The the other one, 59 Hawke Drive. Yeah. That was on my cell.\n\nSo yep. Yep. Yeah. Do you need the limit on the credit card? Because that that could change, and I'm basically, zero I zero it out every month.\n\nYeah. I'm glad I kept finding area points in that one. Yeah. Nine. Nine.\n\nNone at all. Yep. Yep. My email? Yep.\n\nMhmm. Yeah. I can yep. No. Mhmm.\n\nYep. Sorry. Go ahead. I would say high risk still at this stage in my life. I'd probably be considering investing more if assuming it was a company that I didn't think was gonna disappear as part of this.\n\nYeah. Yep. Yep. Yeah. Probably cautious.\n\nNot at this time. No. If I was interested in buying a best property, yes. Yes. Correct.\n\nMhmm. Well, it shouldn't mean we're taking more risk in order to, you know, yeah, grow grow the portfolio, you know, seeing if I've got time to go before retirement. We're not holding, but just, yeah, We're making it bigger. Mhmm. Yeah.\n\nWhich one am I, I think? Yep. Okay. Yeah. What can I add now?\n\nMhmm. Mhmm. Yep. Yep. Okay.\n\nOkay. Yep. Yeah. We could probably shift to a higher growth. Mhmm.\n\nYep. Okay. Yep. Okay. Yes.\n\nOkay. What have we got? Twelve month hub 24. Is that the one? Yep.\n\nMhmm. Nope. Yep. Mhmm. Mhmm.\n\nOkay. Yep. That does. Yep. Got that one.\n\nYes. Look at that. No. We've already done we've already done the withdrawal there. Right?\n\nSo I sent money across from that. Yep. Everything everything there is done. They're all everything's complete. I think that's fine.\n\nYep. Yep. Yes. Mhmm. Okay.\n\nMhmm. The page numbers are nice and consistent. This this is six seven eight nine. Yep. There you are.\n\nGotcha. Mhmm. Okay. Yep. Doing its thing now.\n\nYep. Done. No. Yeah. I might need to look at buying a car in what is it?\n\nFour four years or so. My my son turns 18 and and in my my current one. Not at this time. No. No.\n\nI'm good. Mhmm. Hang on. Twenty fifth to May 29. Monday or Tuesday, fine.\n\nMonday at 01:30 would work. Yep. Okay. Nope. That's it.\n\nYes, please. Yep. Okay. I don't about it. Did they like, did they new ones?\n\nOr did they need to do new ones? Or because I swear I've sent it to you guys several times now. Yeah. Yep. Yep.\n\nThis time, not sure. Mhmm. Mhmm. Okay. Mhmm.\n\nOkay. Mhmm. Yep. Okay. No worries.\n\nAlright. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.034227631986141205},{"text":"Yes.","start":3.36,"end":3.6,"sentiment":"neutral","sentiment_score":0.1211383044719696},{"text":"It is.","start":3.6,"end":4.34,"sentiment":"neutral","sentiment_score":0.11200817674398422},{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.46084871888160706},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5179950594902039}],"sentiment":"neutral","sentiment_score":0.22637101138631502,"num_words":6,"start":0.56,"end":8.08},{"sentences":[{"text":"How are 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01:10.","start":209.34,"end":211.76001,"sentiment":"neutral","sentiment_score":0.032983030192554},{"text":"Yeah.","start":212.06,"end":212.56,"sentiment":"neutral","sentiment_score":0.06857573986053467},{"text":"I I think it's slightly more than that, but I I don't have the exact value in front of me.","start":212.62,"end":215.74,"sentiment":"neutral","sentiment_score":-0.07765059471130371},{"text":"That's Close enough.","start":215.74,"end":216.995,"sentiment":"neutral","sentiment_score":-0.008538308242956797},{"text":"Yes.","start":223.055,"end":223.295,"sentiment":"neutral","sentiment_score":-0.009786373935639858}],"sentiment":"neutral","sentiment_score":-0.038059794287564175,"num_words":33,"start":209.34,"end":223.295},{"sentences":[{"text":"But they're not reliable.","start":223.295,"end":224.435,"sentiment":"negative","sentiment_score":-0.351638350635767},{"text":"It's basically depending on company 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yeah.","start":353.315,"end":356.595,"sentiment":"neutral","sentiment_score":0.007612666270385186}],"sentiment":"neutral","sentiment_score":0.03187436668667942,"num_words":16,"start":331.32498,"end":356.595},{"sentences":[{"text":"Because, yeah, as I've just bought the house and, you know, that that loan is still quite high and interest rates going up.","start":356.595,"end":362.595,"sentiment":"neutral","sentiment_score":-0.09460458556271117},{"text":"I don't wanna start throwing too much out.","start":362.595,"end":365.8,"sentiment":"neutral","sentiment_score":-0.18828916922211647},{"text":"Yeah.","start":368.09998,"end":368.59998,"sentiment":"neutral","sentiment_score":0.010103277862071993},{"text":"Let's go a 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why that's why I was starting with, like, a small amount because, yeah, because I don't, you know, I don't wanna yeah.","start":435.135,"end":440.11502,"sentiment":"neutral","sentiment_score":0.0272372427355984},{"text":"That way I don't that way I don't that way I don't need to worry about it so much.","start":441.695,"end":444.975,"sentiment":"neutral","sentiment_score":0.10520647819104947},{"text":"You know?","start":444.975,"end":445.555,"sentiment":"neutral","sentiment_score":0.13314567506313324},{"text":"Mhmm.","start":467.98502,"end":468.48502,"sentiment":"neutral","sentiment_score":0.08359569311141968},{"text":"Yep.","start":472.24,"end":472.74,"sentiment":"neutral","sentiment_score":0.0412396565079689}],"sentiment":"neutral","sentiment_score":0.06557622539770344,"num_words":46,"start":435.135,"end":472.74},{"sentences":[{"text":"Yep.","start":484.96,"end":485.325,"sentiment":"neutral","sentiment_score":0.09271016716957092},{"text":"That'd be the 6357 Chucklewly 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one?","start":1107.29,"end":1108.1901,"sentiment":"neutral","sentiment_score":0.05039047356694937},{"text":"Yep.","start":1110.7301,"end":1111.2301,"sentiment":"neutral","sentiment_score":0.09740124642848969}],"sentiment":"neutral","sentiment_score":0.036672295935984166,"num_words":14,"start":1103.225,"end":1111.2301},{"sentences":[{"text":"Mhmm.","start":1119.93,"end":1120.065,"sentiment":"neutral","sentiment_score":0.0947130024433136},{"text":"Nope.","start":1147.36,"end":1147.695,"sentiment":"neutral","sentiment_score":0.014644598588347437},{"text":"Yep.","start":1158.1749,"end":1158.6749,"sentiment":"neutral","sentiment_score":0.1134827360510826},{"text":"Mhmm.","start":1158.815,"end":1159.315,"sentiment":"neutral","sentiment_score":0.08327413350343704},{"text":"Mhmm.","start":1169.3099,"end":1169.8099,"sentiment":"neutral","sentiment_score":0.030631713569164276}],"sentiment":"neutral","sentiment_score":0.067349236831069,"num_words":5,"start":1119.93,"end":1169.8099},{"sentences":[{"text":"Okay.","start":1227.18,"end":1227.465,"sentiment":"neutral","sentiment_score":0.2262372076511383},{"text":"Yep.","start":1289.525,"end":1289.845,"sentiment":"neutral","sentiment_score":0.1140950545668602},{"text":"That 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page numbers are nice and consistent.","start":1509.4501,"end":1511.15,"sentiment":"positive","sentiment_score":0.35192779345171793},{"text":"This this is six seven eight nine.","start":1511.37,"end":1514.99,"sentiment":"neutral","sentiment_score":0.007455496649656977},{"text":"Yep.","start":1520.465,"end":1520.945,"sentiment":"neutral","sentiment_score":0.054501187056303024},{"text":"There you are.","start":1520.945,"end":1521.665,"sentiment":"neutral","sentiment_score":0.06563004851341248}],"sentiment":"neutral","sentiment_score":0.14985394213152559,"num_words":19,"start":1493.755,"end":1521.665},{"sentences":[{"text":"Gotcha.","start":1521.665,"end":1522.165,"sentiment":"neutral","sentiment_score":0.09920351207256316},{"text":"Mhmm.","start":1539.12,"end":1539.315,"sentiment":"neutral","sentiment_score":0.05837516486644745},{"text":"Okay.","start":1590.49,"end":1590.855,"sentiment":"neutral","sentiment_score":0.11673484742641448},{"text":"Yep.","start":1601.495,"end":1601.975,"sentiment":"neutral","sentiment_score":0.07717101275920868},{"text":"Doing its thing now.","start":1601.975,"end":1603.115,"sentiment":"neutral","sentiment_score":0.1285730078816414}],"sentiment":"neutral","sentiment_score":0.10822207108139992,"num_words":8,"start":1521.665,"end":1603.115},{"sentences":[{"text":"Yep.","start":1603.815,"end":1604.16,"sentiment":"neutral","sentiment_score":0.14365224540233612},{"text":"Done.","start":1604.3201,"end":1604.8201,"sentiment":"neutral","sentiment_score":0.16076350212097168},{"text":"No.","start":1628.4751,"end":1628.9751,"sentiment":"neutral","sentiment_score":-0.07235805690288544},{"text":"Yeah.","start":1649.0249,"end":1649.5249,"sentiment":"neutral","sentiment_score":0.11562485992908478},{"text":"I might need to look at buying a car in what is it?","start":1650.3049,"end":1653.6849,"sentiment":"neutral","sentiment_score":0.03796394627827864}],"sentiment":"neutral","sentiment_score":0.04948316777453703,"num_words":17,"start":1603.815,"end":1653.6849},{"sentences":[{"text":"Four four years or so.","start":1653.745,"end":1655.365,"sentiment":"neutral","sentiment_score":0.02509494759142399},{"text":"My my son turns 18 and and in my my current one.","start":1655.585,"end":1664.99,"sentiment":"neutral","sentiment_score":0.05123330187052488},{"text":"Not at this time.","start":1665.62,"end":1666.42,"sentiment":"neutral","sentiment_score":-0.08197160623967648},{"text":"No.","start":1666.42,"end":1666.92,"sentiment":"neutral","sentiment_score":-0.09005089104175568},{"text":"No.","start":1680.0349,"end":1680.355,"sentiment":"neutral","sentiment_score":-0.0648329108953476}],"sentiment":"neutral","sentiment_score":0.011195831891635189,"num_words":23,"start":1653.745,"end":1680.355},{"sentences":[{"text":"I'm good.","start":1680.355,"end":1680.84,"sentiment":"neutral","sentiment_score":0.04295375011861324},{"text":"Mhmm.","start":1698.695,"end":1699.195,"sentiment":"neutral","sentiment_score":0.05333641171455383},{"text":"Hang on.","start":1715.27,"end":1718.71,"sentiment":"neutral","sentiment_score":0.016451939940452576},{"text":"Twenty fifth to May 29.","start":1718.71,"end":1720.9249,"sentiment":"neutral","sentiment_score":0.0177011264488101},{"text":"Monday or Tuesday, fine.","start":1724.345,"end":1726.445,"sentiment":"neutral","sentiment_score":0.020772450603544712}],"sentiment":"neutral","sentiment_score":0.024553087606493915,"num_words":14,"start":1680.355,"end":1726.445},{"sentences":[{"text":"Monday at 01:30 would work.","start":1745.64,"end":1747.215,"sentiment":"neutral","sentiment_score":0.025547198206186294},{"text":"Yep.","start":1777.245,"end":1777.645,"sentiment":"neutral","sentiment_score":0.13785451650619507},{"text":"Okay.","start":1777.645,"end":1778.145,"sentiment":"neutral","sentiment_score":0.1690799593925476},{"text":"Nope.","start":1785.565,"end":1785.805,"sentiment":"neutral","sentiment_score":-0.03829249739646912},{"text":"That's it.","start":1785.805,"end":1786.23,"sentiment":"neutral","sentiment_score":0.021464422345161438}],"sentiment":"neutral","sentiment_score":0.04393068142235279,"num_words":10,"start":1745.64,"end":1786.23},{"sentences":[{"text":"Yes, please.","start":1792.39,"end":1793.21,"sentiment":"neutral","sentiment_score":0.26219066977500916},{"text":"Yep.","start":1793.27,"end":1793.77,"sentiment":"neutral","sentiment_score":0.2566477060317993},{"text":"Okay.","start":1804.485,"end":1804.985,"sentiment":"neutral","sentiment_score":0.08576899766921997},{"text":"I don't about it.","start":1807.925,"end":1809.525,"sentiment":"neutral","sentiment_score":-0.14559722691774368},{"text":"Did they like, did they new ones?","start":1809.525,"end":1811.125,"sentiment":"neutral","sentiment_score":-0.07040987695966448}],"sentiment":"neutral","sentiment_score":-0.013897333542505901,"num_words":15,"start":1792.39,"end":1811.125},{"sentences":[{"text":"Or did they need to do new ones?","start":1811.125,"end":1812.565,"sentiment":"neutral","sentiment_score":-0.09167306032031775},{"text":"Or because I swear I've sent it to you guys several times now.","start":1812.565,"end":1819.53,"sentiment":"neutral","sentiment_score":0.0035456433319128477},{"text":"Yeah.","start":1824.15,"end":1824.65,"sentiment":"neutral","sentiment_score":0.02118612825870514},{"text":"Yep.","start":1838.675,"end":1839.175,"sentiment":"neutral","sentiment_score":0.2240774482488632},{"text":"Yep.","start":1851.0901,"end":1851.5901,"sentiment":"neutral","sentiment_score":0.14297445118427277}],"sentiment":"neutral","sentiment_score":-0.012460545481493076,"num_words":24,"start":1811.125,"end":1851.5901},{"sentences":[{"text":"This time, not sure.","start":1856.13,"end":1857.43,"sentiment":"neutral","sentiment_score":-0.04149123001843691},{"text":"Mhmm.","start":1864.995,"end":1865.495,"sentiment":"neutral","sentiment_score":-0.044962383806705475},{"text":"Mhmm.","start":1873.235,"end":1873.68,"sentiment":"neutral","sentiment_score":-0.04730851948261261},{"text":"Okay.","start":1884.16,"end":1884.66,"sentiment":"neutral","sentiment_score":0.010764965787529944},{"text":"Mhmm.","start":1887.8401,"end":1888.125,"sentiment":"neutral","sentiment_score":0.010119741782546043}],"sentiment":"neutral","sentiment_score":-0.029668889474123716,"num_words":8,"start":1856.13,"end":1888.125},{"sentences":[{"text":"Okay.","start":1891.965,"end":1892.465,"sentiment":"neutral","sentiment_score":-0.04060496389865875},{"text":"Mhmm.","start":1905.61,"end":1906.11,"sentiment":"neutral","sentiment_score":0.05262600257992744},{"text":"Yep.","start":1914.89,"end":1915.155,"sentiment":"positive","sentiment_score":0.36670249700546265},{"text":"Okay.","start":1926.595,"end":1927.095,"sentiment":"neutral","sentiment_score":0.32628747820854187},{"text":"No worries.","start":1927.155,"end":1927.7151,"sentiment":"positive","sentiment_score":0.36123421788215637}],"sentiment":"neutral","sentiment_score":0.237913241609931,"num_words":6,"start":1891.965,"end":1927.7151},{"sentences":[{"text":"Alright.","start":1927.7151,"end":1928.035,"sentiment":"positive","sentiment_score":0.3988289833068848},{"text":"See you later.","start":1928.035,"end":1928.7928,"sentiment":"positive","sentiment_score":0.49944227933883667},{"text":"Bye.","start":1931.0328,"end":1931.5328,"sentiment":"neutral","sentiment_score":0.253255158662796}],"sentiment":"positive","sentiment_score":0.4300821959972382,"num_words":5,"start":1927.7151,"end":1931.5328}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Owen?\n\nChannel 1: Yes. It is.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in this morning for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I do need to let you know that these calls are being recorded\n\nChannel 1: Sure.\n\nChannel 0: for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And I do have a password on file for you. Do you know where that might be?\n\nChannel 1: 3Luna500?\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your morning been? Been busy?\n\nChannel 1: Yeah. Not bad yourself?\n\nChannel 0: Yeah. Yeah. Pretty good. So far, it's a bit rainy here on the coast, but otherwise, it's not too bad. Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie.\n\nChannel 1: Mhmm.\n\nChannel 0: Mhmm. But I also noticed that your under review is actually due now. So if you don't mind, I thought we could just do all that the one go for you if you are happy with that.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Perfect. We can get started on what you wanted to talk about first.\n\nChannel 1: Yeah. Yeah. I'm I'm just mainly curious about, like, sort of I I feel like it's probably time to start preparing for retirement. So things like salary sacrifice\n\nChannel 0: Mhmm.\n\nChannel 1: and super and that sort of thing that we should be looking\n\nChannel 0: So, definitely so what I can do is because it's been it's always good to do a bit of an updated statement of advice at time, reassess research, and also do\n\nChannel 1: at.\n\nChannel 0: a bit of a check-in of, okay. Well, where is your super at the moment? How\n\nChannel 1: Mhmm.\n\nChannel 0: is it tracking? And by the time you are planning on retiring, where are things kind of on track to be? So I can definitely do that for you after the call as well and and do factor in some potential salary sacrifice just to show you as well that changes and impacts that that might have.\n\nChannel 1: Yep.\n\nChannel 0: Now are you still kind of planning on accessing Super at 65 at the moment? Is that\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: I think\n\nChannel 0: you're ideal is?\n\nChannel 1: I think so. Yeah.\n\nChannel 0: Yeah. And then ideal income per week that you like to draw from super, about 4,500 per week?\n\nChannel 1: I think that probably more likely per month. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've never\n\nChannel 0: I\n\nChannel 1: held\n\nChannel 0: saw\n\nChannel 1: I've\n\nChannel 0: it.\n\nChannel 1: never\n\nChannel 0: And\n\nChannel 1: gotten\n\nChannel 0: I\n\nChannel 1: 4,000\n\nChannel 0: was like\n\nChannel 1: 500 in a week in my life.\n\nChannel 0: I thought I was like, do you know what? Everyone's to their own, but I was like, oh, well, most people go, like, 1 to 2,000 a week. And he's like, oh, you must you must just want a very extravagant life lifestyle. Nothing wrong with it. But I was like, it is a lot.\n\nOkay. So more around the 4,000\n\nChannel 1: Yeah.\n\nChannel 0: 500\n\nChannel 1: If I\n\nChannel 0: per\n\nChannel 1: if I had\n\nChannel 0: month.\n\nChannel 1: that much money on hand, I wouldn't be too worried about salary sacrificing.\n\nChannel 0: Yeah. I was like, it is a ambitious goal, but,\n\nChannel 1: Yep.\n\nChannel 0: you know, I'm all for it. Okay. Per month. That's good. Now salary sacrifice.\n\nSo your income at the moment, I have down here as a 107,500.\n\nChannel 1: Yep. It had gone up slightly recently.\n\nChannel 0: Yep. Do you know what it's at now?\n\nChannel 1: What is it on top of my head? Two seconds.\n\nChannel 0: Yes.\n\nChannel 1: Let's let's we're right about it's about 01:10. Yeah.\n\nChannel 0: That one's\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: I think\n\nChannel 0: Okay.\n\nChannel 1: it's\n\nChannel 0: Perfect.\n\nChannel 1: slightly more than that, but I I don't have the exact value in front of me. That's Close\n\nChannel 0: Okay.\n\nChannel 1: enough.\n\nChannel 0: And do you get paid bonuses or anything like that as well or just like your base\n\nChannel 1: Yes.\n\nChannel 0: paid?\n\nChannel 1: But they're not reliable. It's basically depending on company performance. So I I just generally\n\nChannel 0: Okay.\n\nChannel 1: assume they don't exist.\n\nChannel 0: Okay. And because you've been there for a cup for quite some time.\n\nChannel 1: The thing is now yeah.\n\nChannel 0: Yeah. Now I know you say it's unreliable, but, like, in the last financial year, do you know did you get any do you know how much it was?\n\nChannel 1: I did get one this year.\n\nChannel 0: Mhmm.\n\nChannel 1: I think it was 5 k.\n\nChannel 0: Okay. And is it usually, like, a a yearly, six monthly, quarterly?\n\nChannel 1: That's a yearly thing. Yeah.\n\nChannel 0: Yeah. Okay. And do you know on if you do get a bonus, do they pay contributions on the bonus? Do you know that?\n\nChannel 1: That's a good question. I do not know\n\nChannel 0: No. Most of the time, employees do pay\n\nChannel 1: that.\n\nChannel 0: contributions on a bonus, typically not over\n\nChannel 1: Yep.\n\nChannel 0: time. Because the but we can exclude that from the calculation and everything, especially if you say it's a bit unreliable. You don't wanna count on it. The only thing I do wanna potentially factoring it in is we don't wanna exceed your concessional contribution cap, which\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: is how much you can\n\nChannel 1: Mhmm.\n\nChannel 0: put in pretax. So I'll just have it in mind so we're not trying to max out and then you go over and pay\n\nChannel 1: Yep.\n\nChannel 0: additional tax because that's what we're trying to avoid.\n\nChannel 1: Yeah. I I I feel like if I if I had to pick a pick one, I think it comes down on yes. They did pay contributions on it. I\n\nChannel 0: Yes.\n\nChannel 1: do feel like I remember seeing something on the\n\nChannel 0: And and\n\nChannel 1: sheet.\n\nChannel 0: tip typically, that is the case as well. I can go when\n\nChannel 1: Mhmm.\n\nChannel 0: I do the research, I can go and have a look through your transaction statement in hub '24 as well, and that should show me if there was, like, a ad hoc one that's not\n\nChannel 1: Yep.\n\nChannel 0: consistent with your pay cycle, and that would kind\n\nChannel 1: Mhmm.\n\nChannel 0: of confirm that for me as well.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, they just pay that standard 12% contribution into super. Like,\n\nChannel 1: Yep.\n\nChannel 0: just just standard terms. Yep. Perfect. And in terms of salary sacrifice, do you have an amount that you would like to start with?\n\nChannel 1: I was thinking just, like, 1 or 200 a month just\n\nChannel 0: Okay.\n\nChannel 1: yeah. Because,\n\nChannel 0: Yep.\n\nChannel 1: yeah, as I've just bought the house and, you know, that that loan is still quite high and interest rates going up. I don't wanna\n\nChannel 0: Yes.\n\nChannel 1: start throwing too much\n\nChannel 0: Yep.\n\nChannel 1: out.\n\nChannel 0: Do you wanna start with a 100 or a 100 and\n\nChannel 1: Yeah.\n\nChannel 0: 50 or or 2?\n\nChannel 1: Let's go a 100.\n\nChannel 0: 100. Okay. Now with salary sacrifice as well, it is something you can always just change with that employer anyway.\n\nChannel 1: Yep.\n\nChannel 0: And if anything does change, like, if interest rate continues to go up and you're feeling you're a bit short, you can\n\nChannel 1: Yep.\n\nChannel 0: always tell them to to cancel it temporarily and then always restart it. So it is very flexible. But what I'll do is I will factor in a $100 per month salary sacrifice,\n\nChannel 1: Mhmm.\n\nChannel 0: and I'll do do up a bit of a strategy for you to show you, well, okay, how much is that going to impact your super and compounding\n\nChannel 1: Mhmm.\n\nChannel 0: and how much is it actually going to save you in tax as well.\n\nChannel 1: Okay.\n\nChannel 0: And that gives you a bit of a assessment of, okay. Well, how much does it actually impact? Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic. Only thing to be mindful of is by doing it, it does get locked in to if somebody meet a condition of release. So for example, turning 60 and retiring.\n\nThat is\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: That's\n\nChannel 0: only thing\n\nChannel 1: why\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: be\n\nChannel 1: why I was starting with, like, a small amount because, yeah, because I don't, you know, I don't wanna yeah.\n\nChannel 0: Yep. Put\n\nChannel 1: That\n\nChannel 0: too\n\nChannel 1: way\n\nChannel 0: much\n\nChannel 1: I don't\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: then\n\nChannel 1: way I don't that way I don't need to worry about it so much.\n\nChannel 0: yep.\n\nChannel 1: You know?\n\nChannel 0: Perfect. And if it is that you especially with the new mortgage and stuff like that, I feel like, oh, okay. I'll actually come in contact with more money. We can always put more in. And if there's ever a situation as well, you can do lump sum into super as well.\n\nAnd what we can do is convert it if you have enough space to pretax contributions anyway. We\n\nChannel 1: Mhmm.\n\nChannel 0: can do that. So if there's ever a situation, we just need to check your cap spaces\n\nChannel 1: Yep.\n\nChannel 0: again. Because at the moment, it is 30,000 per financial year, and it includes your employer contribution as well as your bonus contributions as well. So it kind of includes everything,\n\nChannel 1: Yep.\n\nChannel 0: but you do have quite a bit of space. So I'll just start with a $100 per month as a starting point. Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage. I do have two properties listed here, so I just want to confirm that which one is the correct one. So is that one the 750 or the 635 value?\n\nChannel 1: That'd be the 6357\n\nChannel 0: Six thirty\n\nChannel 1: Chucklewly\n\nChannel 0: five.\n\nChannel 1: Street. The the other one, 59 Hawke Drive.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That was on my cell. So yep.\n\nChannel 0: Okay. So I'll just remove that. So $6.35, that's yours, and mortgage at about $4.40?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I already have a car and a credit card on file. That's all correct as well?\n\nChannel 1: Yeah. Do you need the limit on the credit card? Because that that could\n\nChannel 0: Most\n\nChannel 1: change,\n\nChannel 0: of\n\nChannel 1: and\n\nChannel 0: how much you have owing?\n\nChannel 1: I'm basically, zero I zero it out every month.\n\nChannel 0: Perfect. Just select points and stuff?\n\nChannel 1: Yeah. I'm glad I kept finding area points in that one.\n\nChannel 0: Yeah. Okay. Perfect. I'll just remove it. It's more so if it's, like, a debt that you are trying to pay down.\n\nChannel 1: Yeah. Nine. Nine.\n\nChannel 0: Like\n\nChannel 1: None\n\nChannel 0: So\n\nChannel 1: at all.\n\nChannel 0: I'll just remove that. Okay. Perfect. So the only kind of debt is the mortgage.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well. So do you have access\n\nChannel 1: Yep.\n\nChannel 0: to your emails at the moment?\n\nChannel 1: My email? Yep.\n\nChannel 0: Yeah. Okay. Perfect. So I'll just send this. It might take a couple of minutes for it to come through.\n\nAnd while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we\n\nChannel 1: Mhmm.\n\nChannel 0: don't need to make any changes to your risk profile in your super.\n\nChannel 1: Yeah.\n\nChannel 0: So it is pretty straightforward. Just multiple choice questions. No right or wrong answer. Just whatever you feel is the most appropriate for you. Does that make\n\nChannel 1: I\n\nChannel 0: sense?\n\nChannel 1: can yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now\n\nChannel 1: Mhmm.\n\nChannel 0: how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation. Would you say yep.\n\nChannel 1: Yep. Sorry. Go ahead.\n\nChannel 0: Would you say very high risk, high, moderate, or a small amount of risk?\n\nChannel 1: I would say high risk still at this stage\n\nChannel 0: High.\n\nChannel 1: in my life.\n\nChannel 0: Yep. Perfect. And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market? Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down? Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped?\n\nChannel 1: I'd probably be considering investing more if assuming\n\nChannel 0: Yep.\n\nChannel 1: it was a company that I didn't think was gonna disappear\n\nChannel 0: Yes.\n\nChannel 1: as part of this.\n\nChannel 0: Yep. And some of these is tricky because it is hypothetical, and it does obviously\n\nChannel 1: Yeah.\n\nChannel 0: depend on the circumstances. So it can be a bit of bit of a tricky one. But,\n\nChannel 1: Yep.\n\nChannel 0: typically, we wouldn't obviously have you invested in your super in an investment that we don't foresee coming back around or being a good long term option. Like, you wouldn't be a super risky unless you were, like, a super aggressive investor and wanted to take on that level of risk.\n\nChannel 1: Yep.\n\nChannel 0: But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So invest a little bit more potentially. Now next one here is in regards to investment performance. So have you ever noticed superannuation or any other assets really drop in value? And if so, how did that make you feel?\n\nNow, obviously, in the last twelve months, we have seen a bit of fluctuations. I'm sure you've seen on the news and everything as well. First, obviously, everything in The US saw a bit of fluctuations in the market with Trump and tariffs and everything, and, obviously, more recently, the war. We have seen a bit of fluctuations in the market. If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious?\n\nChannel 1: Probably cautious.\n\nChannel 0: Cautious? Yep. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Not at this time. No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: If I was interested in buying a best property, yes.\n\nChannel 0: Yep. Okay. So if you wanted to, you will be comfortable taking out the loan. It's just potentially not something you are wanting to do\n\nChannel 1: Yes.\n\nChannel 0: right now. Yep.\n\nChannel 1: Correct.\n\nChannel 0: Perfect. Now, Owen, that tells me here that you have come out as a growth investor, which\n\nChannel 1: Mhmm.\n\nChannel 0: is the portfolio we currently have you invested in. Now do you remember what it means to be a growth investor at all?\n\nChannel 1: Well, it shouldn't mean we're taking more risk in order to, you know, yeah, grow grow the portfolio, you know, seeing if I've got\n\nChannel 0: Yeah.\n\nChannel 1: time to go before retirement. We're not holding,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but just, yeah, We're\n\nChannel 0: Yeah. Yeah. Basically. So it is\n\nChannel 1: making\n\nChannel 0: kind of somewhere in the middle where you are wanting to grow\n\nChannel 1: it\n\nChannel 0: your superannuation, while you do have plenty of time exactly like you said.\n\nChannel 1: bigger.\n\nChannel 0: I'm also comfortable seeing a bit of short term fluctuations\n\nChannel 1: Mhmm.\n\nChannel 0: in order to try and grow that. When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this. Did that email come through okay?\n\nChannel 1: Yeah. Which one am I,\n\nChannel 0: Yep.\n\nChannel 1: I think?\n\nChannel 0: So before you click on the link where it says sign now, you should have a couple of attachments at the bottom\n\nChannel 1: Yep.\n\nChannel 0: of the email. Yep. So it's the 2025 Vanguard index chart.\n\nChannel 1: Okay. Yeah. What can I add now?\n\nChannel 0: Yep. Perfect. Now you might have seen something like this before, but it is kind of a good visual representation of what we are typically talking about when we're talking about the market. And this kind of gives us a a good overview in a bit more long term position because it shows you from 1995 through to 2025. But you can basically see here that over the long term, market always goes up.\n\nThe short term,\n\nChannel 1: Mhmm.\n\nChannel 0: depending on what is going on in the world, there will be ups and downs and market fluctuations. So when we are talking about a growth portfolio, we do typically see 80% invested in your top four. So you'll have your US shares, Australian shares, international shares, and property. Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And then you do have about 20% in the bottom three, so your defensive investments. And as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit. So it's\n\nChannel 1: Yep.\n\nChannel 0: about an eighty twenty split. Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations. So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop. So in a growth portfolio, typically, we want to allow about six years until retirement.\n\nChannel 1: Okay.\n\nChannel 0: So you do certainly have the the time behind you. Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the middle. So we typically have your aggressive plus, which is super risky investment, people wanting to borrow debt and that kind of stuff. You have aggressive, high growth, then growth, which is where we are at the moment for you. And then you have your balance growth and a balance.\n\nSo you kind of typically tape it down to balance balance growth the closer you get through the retirement.\n\nChannel 1: Okay. Yep.\n\nChannel 0: I know you said you wanted to kind of maximize that growth. Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment?\n\nChannel 1: Yeah. We could probably shift to a higher growth.\n\nChannel 0: Yep. So what I can do is as part of the research, I'll look at the different investment portfolios. I'll see fees and, obviously, returns and also if there's any capital gains tax.\n\nChannel 1: Mhmm.\n\nChannel 0: And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do. And just for your reference, a high growth portfolio, we wanna say eight years to retirement. So, again,\n\nChannel 1: Yep. Okay.\n\nChannel 0: time frame wise, you certainly have that behind you. And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable. But at the same time, I do have seven year olds who are super comfortable but high risk, but then I also have 20 year olds who want the balance. So it also comes down to what you are comfortable with at the same time.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Alright. So happy to have a look at your high growth.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now the next document while we are in the email set, is that a twelve month performance report?\n\nChannel 1: Okay. What have\n\nChannel 0: It\n\nChannel 1: we got?\n\nChannel 0: says\n\nChannel 1: Twelve month\n\nChannel 0: it\n\nChannel 1: hub\n\nChannel 0: says\n\nChannel 1: 24. Is that\n\nChannel 0: Yes.\n\nChannel 1: the one?\n\nChannel 0: Perfect. Yep. If you can open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after\n\nChannel 1: Mhmm.\n\nChannel 0: fees. So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months. But despite all of that, though, your portfolio has still held up pretty good. So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen. Any questions so far?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Perfect. Now with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one there.\n\nChannel 1: Yep.\n\nChannel 0: Now when\n\nChannel 1: Mhmm.\n\nChannel 0: you look at the second column to the right, that's all the return on the investment, so all of them. Now what's in bracket is what's down at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: and then the other ones are up. So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation. So how would you design your portfolio as well is that we want to make sure it is very diversified. We do have you in different industries and different markets. So if one market's doing really good, it kind of then help balance things out.\n\nBecause if you put everything in one section, it could make it really, really good one year and then be really down another. So we do wanna obviously smooth things out and diversify things for you. But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it. So at the end of the day, we do have you in the best options possible for you and your retirement.\n\nChannel 1: Okay.\n\nChannel 0: So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices. Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other ETF. And the purpose is to actively buy and sell different investments in order to try to outperform the market. Now because of that, it can be a little bit more expensive, and, usually, it does pay out where if you are paying a little bit more and they do the active management, the returns comes with it, which is what they have been doing, and that was why they were added to your portfolio. But like I said, more recently, they've been a little bit slower in making their investment choices.\n\nAnd right now, we do foresee that there are better options out there that we would like to look at changing it. So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future. Does that make sense?\n\nChannel 1: Yep. That does.\n\nChannel 0: Yep. Yep. Perfect. Now the next documents, can you see does it say certificate of currency?\n\nChannel 1: Yep. Got that one.\n\nChannel 0: Yep. Perfect. Now that one here breaks down your current insurances with Clearview. Basically, let you know that's all paid and up to date. But if you can actually get out of this one and then go to the bottom where it should say super and insurance summary, that one kind of outlines it a bit easier often if you can have a look at that.\n\nChannel 1: Yes. Look at that.\n\nChannel 0: Yeah. Perfect. So that one here shows you that you have your super with hub twenty four, and you do have about 154,627. Now I do actually wanna triple check as well because I know you have gone through, a separation recently. Do you know if anything with your super is changing?\n\nChannel 1: No. We've already done we've already done the withdrawal there. Right? So\n\nChannel 0: Sweet.\n\nChannel 1: I sent\n\nChannel 0: Perfect.\n\nChannel 1: money across from that. Yep. Everything everything\n\nChannel 0: That\n\nChannel 1: there is done. They're all everything's\n\nChannel 0: That's\n\nChannel 1: complete.\n\nChannel 0: all sorted. Okay. Perfect. Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that. So that is good.\n\nNow with your insurances as well. So you have insurances with ClearView. You have life and total permanent disability of about 838,000. Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances?\n\nChannel 1: I think that's fine.\n\nChannel 0: That's fine. Yep. And it will still obviously cover the mortgage if something were to happen to you or if you're unable to go back to work, then you don't have the mortgage to worry about. And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if\n\nChannel 1: Yep.\n\nChannel 0: something do were to happen to you. And it's quite affordable as well. And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month. You have a thirty day waiting period and a five year benefit period. All three paid from within superannuation.\n\nYou do get a tax rebate. So after that, it is 1,437. Are you happy with your income protection as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one. Can you see\n\nChannel 1: Yes.\n\nChannel 0: those? Yep. Perfect. So if you wanna open let me just see here. The second one.\n\nSo the Oakview services guide version one. Now I'll\n\nChannel 1: Mhmm.\n\nChannel 0: let you have a read over the version four by yourself. It is just a smaller version, essentially, of the big one.\n\nChannel 1: Okay.\n\nChannel 0: Now you would have seen this one plenty of times before. We do send it to you every time at annual review time. It is one of those compliance documents. It does give you all the important information in regards to us. None of the important information has changed, but we've had a bit of an update on marketing.\n\nSo as you scroll through, you might see a bit of an updated photos of the team and everything like that.\n\nChannel 1: Mhmm.\n\nChannel 0: You will see all the directors, the advices as well. And as you do scroll through on page nine, you will see myself as well if you do wanna put a face to the board.\n\nChannel 1: The page numbers are nice and consistent. This this is six seven\n\nChannel 0: No.\n\nChannel 1: eight\n\nChannel 0: That's okay.\n\nChannel 1: nine.\n\nChannel 0: Or it might be 10, actually. I'm right next to Dana.\n\nChannel 1: Yep. There you are.\n\nChannel 0: Yep.\n\nChannel 1: Gotcha.\n\nChannel 0: Yep. Perfect. So sometimes it is nice to see who you're talking to as well when we're doing things over the phone. And that was essentially all of those documents. Now if you are happy to do so, if you press the link where it says sign now, it will ask\n\nChannel 1: Mhmm.\n\nChannel 0: you to sign two documents. Now one of them is your ongoing service agreement. Actually, I think you might only have one because I think you've signed the other one before. Can you only see one document? Yep.\n\nPerfect. The other one was just a tax file number declaration, which you must have signed last time. So this is just your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super.\n\nSo no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But this essentially lets us service your account and manage all your investments and everything like that for you in the meantime.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So if you're happy to do so, it will ask you just to add a signature and a date. It should then say validate. And when\n\nChannel 1: Yep.\n\nChannel 0: you press\n\nChannel 1: Doing its\n\nChannel 0: validate,\n\nChannel 1: thing now.\n\nChannel 0: it should, yeah,\n\nChannel 1: Yep.\n\nChannel 0: it should\n\nChannel 1: Done.\n\nChannel 0: then send it back to me. Yep. Perfect. That's exactly good. I've got all of that through.\n\nNow let me just see if there was anything else I needed to confirm while I do have you on the phone. I know you kinda went through a bit of a fact find back in February, I think. Is there anything else that has changed in your personal situation that we haven't gone over otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Perfect. And I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you. Otherwise, I have here the last time we spoke, your main focus was just to kind of pay down the mortgage otherwise.\n\nIs that still kind of the the goal for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I might\n\nChannel 0: Perfect.\n\nChannel 1: need to look at buying a car in what is it?\n\nChannel 0: Yeah.\n\nChannel 1: Four four years or so. My my\n\nChannel 0: Okay.\n\nChannel 1: son turns 18 and\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Upgrade\n\nChannel 1: in\n\nChannel 0: the car and then\n\nChannel 1: my\n\nChannel 0: mortgage. Is there anything else\n\nChannel 1: my\n\nChannel 0: that you're kind of working\n\nChannel 1: current\n\nChannel 0: to towards\n\nChannel 1: one.\n\nChannel 0: or anything?\n\nChannel 1: Not at this time.\n\nChannel 0: That's\n\nChannel 1: No.\n\nChannel 0: the main okay. Perfect. Now that was essentially everything that I needed to touch base from my end with you. Do you have any other questions, or was there anything else that you wanted to discuss and talk about today?\n\nChannel 1: No. I'm good.\n\nChannel 0: No? Okay. Perfect. So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you. Now it will take me about a week or so to put together all the research.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I am fully booked next week already, but the following week after that, so the twenty fifth through the May 29, Do you have any time during that week that works best for you?\n\nChannel 1: Hang on. Twenty fifth to May 29.\n\nChannel 0: Is\n\nChannel 1: Monday\n\nChannel 0: there any\n\nChannel 1: or\n\nChannel 0: particular\n\nChannel 1: Tuesday,\n\nChannel 0: day? Monday\n\nChannel 1: fine.\n\nChannel 0: or Tuesday? Okay. Let me have a look. Now I could do either Monday the twenty fifth at 01:30, or I could do Tuesday, the twenty sixth at 4PM. Would either of those times work?\n\nChannel 1: Monday at 01:30 would work.\n\nChannel 0: Monday, 01:30. Okay. Perfect. Nice and easy now on the same time frame as well, especially because we do have clients all around Australia. And with the different time zones, it goes gets a bit crazy at times.\n\nSo that is all booked in on Monday, May 25 at 01:30PM. I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together. And then we can see what you wanna do and take it from there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K. Perfect. Now was there anything else I can help you with before I let you go, and enjoy the rest of your day otherwise, Ellen?\n\nChannel 1: Nope. That's it.\n\nChannel 0: Perfect. Would you like a reminder text sent two hours before the appointment in case something comes up?\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Yep. Perfect. Actually, one thing I do know here as well on the account, it looks like we haven't received your hub 24 and your ClearView beneficiary forms back. So that is if\n\nChannel 1: Okay.\n\nChannel 0: something were to happen to you who you want to nominate.\n\nChannel 1: I don't\n\nChannel 0: Do\n\nChannel 1: about\n\nChannel 0: you\n\nChannel 1: it. Did they like, did they new ones? Or did they need to do new ones? Or\n\nChannel 0: if you still have them, but if not, I can always\n\nChannel 1: because\n\nChannel 0: get the team\n\nChannel 1: I swear\n\nChannel 0: just\n\nChannel 1: I've\n\nChannel 0: to\n\nChannel 1: sent\n\nChannel 0: either\n\nChannel 1: it to you guys several times now.\n\nChannel 0: do you have access to a printer?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Because what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating. What I can do, if you do have access to a printer, I can get the team to email it to you.\n\nChannel 1: Yep.\n\nChannel 0: That way, when you still just have to print it and sign it, unless you do have no. You would have sent them through. Otherwise, just scan it. And then if it's in an email, it's there, and then we can definitely see it.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And do you know who you would like to nominate?\n\nChannel 1: This time, not sure.\n\nChannel 0: No. Okay. If you do wanna talk about it or if you have any questions, let me know. Because when it comes to\n\nChannel 1: Mhmm.\n\nChannel 0: nominations as well, there are some restrictions on who you can actually nominate directly through your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: So for direct nomination, it has to be a spouse, a child, or someone who you are in a financial dependent or interdependent relationship with,\n\nChannel 1: Okay.\n\nChannel 0: or you can nominate a lawyer. So if you do\n\nChannel 1: Mhmm.\n\nChannel 0: go through the will, then, obviously, through the will, you can nominate whoever you want.\n\nChannel 1: Okay.\n\nChannel 0: There are different tax consequences with the different scenarios as well. So if it is that you have a think about it and when we do speak on the twenty fifth, you want to check anything with me, just let me know.\n\nChannel 1: Mhmm.\n\nChannel 0: If not, otherwise, I'll leave that to you. I'll keep a lookout for that email to come back as well. So it will be my team who will email them to you.\n\nChannel 1: Yep.\n\nChannel 0: And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time. Perfect. Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth.\n\nChannel 1: Okay. No worries. Alright. See you later.\n\nChannel 0: No no problem. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.034227631986141205}],"sentiment":"neutral","sentiment_score":0.034227631986141205,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good morning.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.2756246402859688},{"text":"Is this Owen?","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.11481998612483342}],"sentiment":"neutral","sentiment_score":0.17914184778928757,"channel":0,"num_words":5,"start":1.76,"end":3.1399999},{"sentences":[{"text":"Yes.","start":3.36,"end":3.6,"sentiment":"neutral","sentiment_score":0.1211383044719696},{"text":"It is.","start":3.6,"end":4.34,"sentiment":"neutral","sentiment_score":0.11200817674398422}],"sentiment":"neutral","sentiment_score":0.11505155265331268,"channel":1,"num_words":3,"start":3.36,"end":4.34},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.66,"sentiment":"neutral","sentiment_score":0.13840863232811293},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.1555430938800176}],"sentiment":"neutral","sentiment_score":0.14412011951208115,"channel":0,"num_words":9,"start":4.56,"end":7.54},{"sentences":[{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.46084871888160706},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5179950594902039},{"text":"How are you?","start":8.08,"end":8.99,"sentiment":"neutral","sentiment_score":0.29157520333925885}],"sentiment":"positive","sentiment_score":0.37071387767791747,"channel":1,"num_words":5,"start":7.52,"end":8.99},{"sentences":[{"text":"I'm good.","start":9.04,"end":9.679999,"sentiment":"positive","sentiment_score":0.5560865998268127},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6255959272384644},{"text":"I had you booked in this morning for a bit of a catch up.","start":10.88,"end":14.16,"sentiment":"neutral","sentiment_score":0.3330551449741636},{"text":"Is now still a good time for you?","start":14.16,"end":15.735,"sentiment":"neutral","sentiment_score":0.33023330196738243}],"sentiment":"positive","sentiment_score":0.3616963028907776,"channel":0,"num_words":25,"start":9.04,"end":15.735},{"sentences":[{"text":"Yeah.","start":16.045,"end":16.545,"sentiment":"neutral","sentiment_score":0.10022354871034622}],"sentiment":"neutral","sentiment_score":0.10022354871034622,"channel":1,"num_words":1,"start":16.045,"end":16.545},{"sentences":[{"text":"Yep.","start":16.935,"end":17.414999,"sentiment":"neutral","sentiment_score":0.13854902982711792},{"text":"Perfect.","start":17.414999,"end":17.914999,"sentiment":"neutral","sentiment_score":0.32094818353652954},{"text":"Now just before I do go any further, I do need to let you know that these calls are being recorded","start":18.055,"end":22.455,"sentiment":"neutral","sentiment_score":0.03973672326122012}],"sentiment":"neutral","sentiment_score":0.05625949573257695,"channel":0,"num_words":23,"start":16.935,"end":22.455},{"sentences":[{"text":"Sure.","start":22.285,"end":22.785,"sentiment":"neutral","sentiment_score":0.041798219084739685}],"sentiment":"neutral","sentiment_score":0.041798219084739685,"channel":1,"num_words":1,"start":22.285,"end":22.785},{"sentences":[{"text":"for quality and coaching purposes, if that's okay.","start":22.455,"end":24.955,"sentiment":"neutral","sentiment_score":0.06932490668259561}],"sentiment":"neutral","sentiment_score":0.06932490668259561,"channel":0,"num_words":8,"start":22.455,"end":24.955},{"sentences":[{"text":"Yep.","start":25.165,"end":25.485,"sentiment":"neutral","sentiment_score":0.1233350858092308},{"text":"That's fine.","start":25.485,"end":26.225,"sentiment":"neutral","sentiment_score":0.27469564974308014}],"sentiment":"neutral","sentiment_score":0.22424212843179703,"channel":1,"num_words":3,"start":25.165,"end":26.225},{"sentences":[{"text":"Perfect.","start":26.615,"end":27.095,"sentiment":"positive","sentiment_score":0.46892768144607544},{"text":"And I do have a password on file for you.","start":27.095,"end":29.255,"sentiment":"neutral","sentiment_score":0.1608918532729149},{"text":"Do you know where that might be?","start":29.255,"end":30.794998,"sentiment":"neutral","sentiment_score":0.05658391597015517}],"sentiment":"neutral","sentiment_score":0.13744075699812836,"channel":0,"num_words":18,"start":26.615,"end":30.794998},{"sentences":[{"text":"3Luna500?","start":30.49,"end":32.11,"sentiment":"neutral","sentiment_score":0.02962605655193329}],"sentiment":"neutral","sentiment_score":0.02962605655193329,"channel":1,"num_words":1,"start":30.49,"end":32.11},{"sentences":[{"text":"Yep.","start":32.39,"end":32.71,"sentiment":"neutral","sentiment_score":0.10949195921421052},{"text":"Perfect.","start":32.71,"end":33.11,"sentiment":"positive","sentiment_score":0.4468767046928406},{"text":"That's exactly what I have here.","start":33.11,"end":34.81,"sentiment":"positive","sentiment_score":0.4483840713898341},{"text":"How's your morning been?","start":34.95,"end":36.07,"sentiment":"neutral","sentiment_score":0.1062964741140604},{"text":"Been busy?","start":36.07,"end":36.81,"sentiment":"neutral","sentiment_score":0.05996173992753029}],"sentiment":"neutral","sentiment_score":0.27084160489695414,"channel":0,"num_words":14,"start":32.39,"end":36.81},{"sentences":[{"text":"Yeah.","start":37.13,"end":37.53,"sentiment":"neutral","sentiment_score":0.07560499012470245},{"text":"Not bad yourself?","start":37.53,"end":38.59,"sentiment":"neutral","sentiment_score":0.07554605851570766}],"sentiment":"neutral","sentiment_score":0.07556079141795635,"channel":1,"num_words":4,"start":37.13,"end":38.59},{"sentences":[{"text":"Yeah.","start":39.11,"end":39.43,"sentiment":"neutral","sentiment_score":0.11956463754177094},{"text":"Yeah.","start":39.43,"end":39.75,"sentiment":"neutral","sentiment_score":0.19568085670471191},{"text":"Pretty good.","start":39.75,"end":40.65,"sentiment":"positive","sentiment_score":0.36560335755348206},{"text":"So far, it's a bit rainy here on the coast, but otherwise, it's not too bad.","start":40.79,"end":45.915,"sentiment":"neutral","sentiment_score":0.1378197753801942},{"text":"Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie.","start":47.275,"end":56.415,"sentiment":"neutral","sentiment_score":0.12305366496245067}],"sentiment":"neutral","sentiment_score":0.13796867092825332,"channel":0,"num_words":53,"start":39.11,"end":56.415},{"sentences":[{"text":"Mhmm.","start":57.195,"end":57.695,"sentiment":"neutral","sentiment_score":0.04654029756784439}],"sentiment":"neutral","sentiment_score":0.04654029756784439,"channel":1,"num_words":1,"start":57.195,"end":57.695},{"sentences":[{"text":"Mhmm.","start":57.595,"end":57.835,"sentiment":"neutral","sentiment_score":0.054135002195835114},{"text":"But I also noticed that your under review is actually due 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much you have owing?","start":542.475,"end":543.77496,"sentiment":"neutral","sentiment_score":-0.009595878981053829}],"sentiment":"neutral","sentiment_score":-0.009595878981053829,"channel":0,"num_words":5,"start":542.475,"end":543.77496},{"sentences":[{"text":"I'm basically, zero I zero it out every month.","start":543.985,"end":546.805,"sentiment":"neutral","sentiment_score":0.009162566417621242}],"sentiment":"neutral","sentiment_score":0.009162566417621242,"channel":1,"num_words":9,"start":543.985,"end":546.805},{"sentences":[{"text":"Perfect.","start":547.00995,"end":547.41,"sentiment":"neutral","sentiment_score":0.2560778856277466},{"text":"Just select points and 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document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well.","start":569.44495,"end":586.7,"sentiment":"neutral","sentiment_score":0.10203103930307705},{"text":"So do you have access","start":586.7,"end":587.66003,"sentiment":"neutral","sentiment_score":0.028835326060652734}],"sentiment":"neutral","sentiment_score":0.10265287442429774,"channel":0,"num_words":69,"start":566.00494,"end":587.66003},{"sentences":[{"text":"Yep.","start":587.38995,"end":587.88995,"sentiment":"neutral","sentiment_score":0.03532557189464569}],"sentiment":"neutral","sentiment_score":0.03532557189464569,"channel":1,"num_words":1,"start":587.38995,"end":587.88995},{"sentences":[{"text":"to your emails at the moment?","start":587.66003,"end":589.28,"sentiment":"neutral","sentiment_score":0.04071975685656071}],"sentiment":"neutral","sentiment_score":0.04071975685656071,"channel":0,"num_words":6,"start":587.66003,"end":589.28},{"sentences":[{"text":"My email?","start":589.94995,"end":590.82996,"sentiment":"neutral","sentiment_score":0.01777655677869916},{"text":"Yep.","start":590.82996,"end":591.075,"sentiment":"neutral","sentiment_score":0.04364361986517906}],"sentiment":"neutral","sentiment_score":0.026398911140859127,"channel":1,"num_words":3,"start":589.94995,"end":591.075},{"sentences":[{"text":"Yeah.","start":591.335,"end":591.735,"sentiment":"neutral","sentiment_score":0.08367447555065155},{"text":"Okay.","start":591.735,"end":592.135,"sentiment":"neutral","sentiment_score":0.17486515641212463},{"text":"Perfect.","start":592.135,"end":592.635,"sentiment":"positive","sentiment_score":0.4107593595981598},{"text":"So I'll just send this.","start":592.695,"end":594.055,"sentiment":"neutral","sentiment_score":0.2666405141353607},{"text":"It might take a couple of minutes for it to come through.","start":594.055,"end":596.375,"sentiment":"neutral","sentiment_score":0.21611776823798814}],"sentiment":"neutral","sentiment_score":0.22979573905467987,"channel":0,"num_words":20,"start":591.335,"end":596.375},{"sentences":[{"text":"And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we","start":596.375,"end":606.26996,"sentiment":"neutral","sentiment_score":0.08409217869242032}],"sentiment":"neutral","sentiment_score":0.08409217869242032,"channel":0,"num_words":36,"start":596.375,"end":606.26996},{"sentences":[{"text":"Mhmm.","start":606.195,"end":606.695,"sentiment":"neutral","sentiment_score":0.03809328377246857}],"sentiment":"neutral","sentiment_score":0.03809328377246857,"channel":1,"num_words":1,"start":606.195,"end":606.695},{"sentences":[{"text":"don't need to make any changes to your risk profile in your super.","start":606.26996,"end":610.37,"sentiment":"neutral","sentiment_score":-0.03801853739871429}],"sentiment":"neutral","sentiment_score":-0.03801853739871429,"channel":0,"num_words":13,"start":606.26996,"end":610.37},{"sentences":[{"text":"Yeah.","start":610.97,"end":611.47,"sentiment":"neutral","sentiment_score":0.20417240262031555}],"sentiment":"neutral","sentiment_score":0.20417240262031555,"channel":1,"num_words":1,"start":610.97,"end":611.47},{"sentences":[{"text":"So it is pretty straightforward.","start":611.14996,"end":612.43,"sentiment":"neutral","sentiment_score":0.29405956864356997},{"text":"Just multiple choice questions.","start":612.43,"end":613.87,"sentiment":"neutral","sentiment_score":0.2602560445666313},{"text":"No right or wrong answer.","start":613.87,"end":614.91,"sentiment":"neutral","sentiment_score":0.07187207117676735},{"text":"Just whatever you feel is the most appropriate for you.","start":614.91,"end":617.23,"sentiment":"neutral","sentiment_score":0.22348531782627107},{"text":"Does that make","start":617.23,"end":617.70996,"sentiment":"neutral","sentiment_score":0.16388138631979624}],"sentiment":"neutral","sentiment_score":0.20730295239223373,"channel":0,"num_words":27,"start":611.14996,"end":617.70996},{"sentences":[{"text":"I","start":617.69,"end":617.85,"sentiment":"neutral","sentiment_score":0.12675097584724426}],"sentiment":"neutral","sentiment_score":0.12675097584724426,"channel":1,"num_words":1,"start":617.69,"end":617.85},{"sentences":[{"text":"sense?","start":617.70996,"end":618.20996,"sentiment":"neutral","sentiment_score":0.1112530305981636}],"sentiment":"neutral","sentiment_score":0.1112530305981636,"channel":0,"num_words":1,"start":617.70996,"end":618.20996},{"sentences":[{"text":"can 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yourself?","start":620.845,"end":623.26495,"sentiment":"neutral","sentiment_score":0.07361828396096826}],"sentiment":"neutral","sentiment_score":0.10490937940776349,"channel":0,"num_words":10,"start":619.08496,"end":623.26495},{"sentences":[{"text":"No.","start":623.895,"end":624.395,"sentiment":"neutral","sentiment_score":-0.028675546869635585}],"sentiment":"neutral","sentiment_score":-0.028675546869635585,"channel":1,"num_words":1,"start":623.895,"end":624.395},{"sentences":[{"text":"Perfect.","start":625.725,"end":626.225,"sentiment":"neutral","sentiment_score":0.0860922783613205},{"text":"Next is in regards to inflation.","start":629.805,"end":631.90497,"sentiment":"neutral","sentiment_score":-0.03994141270716985},{"text":"So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.","start":632.365,"end":640.13,"sentiment":"neutral","sentiment_score":-0.15985371344364607},{"text":"Now","start":640.43,"end":640.93,"sentiment":"neutral","sentiment_score":-0.06701640784740448}],"sentiment":"neutral","sentiment_score":-0.12872850456658533,"channel":0,"num_words":34,"start":625.725,"end":640.93},{"sentences":[{"text":"Mhmm.","start":640.87,"end":641.37,"sentiment":"neutral","sentiment_score":-0.05481426045298576}],"sentiment":"neutral","sentiment_score":-0.05481426045298576,"channel":1,"num_words":1,"start":640.87,"end":641.37},{"sentences":[{"text":"how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation.","start":641.07,"end":649.63495,"sentiment":"neutral","sentiment_score":-0.1225068076298787},{"text":"Would you say yep.","start":650.975,"end":652.915,"sentiment":"neutral","sentiment_score":-0.05856278073042631}],"sentiment":"neutral","sentiment_score":-0.11398093737661838,"channel":0,"num_words":30,"start":641.07,"end":652.915},{"sentences":[{"text":"Yep.","start":653.125,"end":653.365,"sentiment":"neutral","sentiment_score":-0.04066510498523712},{"text":"Sorry.","start":653.365,"end":653.685,"sentiment":"neutral","sentiment_score":-0.1108236014842987},{"text":"Go ahead.","start":653.685,"end":654.345,"sentiment":"neutral","sentiment_score":-0.06375531479716301}],"sentiment":"neutral","sentiment_score":-0.06974983401596546,"channel":1,"num_words":4,"start":653.125,"end":654.345},{"sentences":[{"text":"Would you say very high risk, high, moderate, or a small amount of risk?","start":655.375,"end":660.035,"sentiment":"neutral","sentiment_score":-0.10860993872795786}],"sentiment":"neutral","sentiment_score":-0.10860993872795786,"channel":0,"num_words":14,"start":655.375,"end":660.035},{"sentences":[{"text":"I would say high risk still at this stage","start":661.54,"end":664.98,"sentiment":"neutral","sentiment_score":-0.14996777226527533}],"sentiment":"neutral","sentiment_score":-0.14996777226527533,"channel":1,"num_words":9,"start":661.54,"end":664.98},{"sentences":[{"text":"High.","start":664.67,"end":665.17,"sentiment":"neutral","sentiment_score":-0.13436195254325867}],"sentiment":"neutral","sentiment_score":-0.13436195254325867,"channel":0,"num_words":1,"start":664.67,"end":665.17},{"sentences":[{"text":"in my life.","start":664.98,"end":665.72,"sentiment":"neutral","sentiment_score":-0.13911389311154684}],"sentiment":"neutral","sentiment_score":-0.13911389311154684,"channel":1,"num_words":3,"start":664.98,"end":665.72},{"sentences":[{"text":"Yep.","start":665.95,"end":666.43,"sentiment":"neutral","sentiment_score":0.07471349835395813},{"text":"Perfect.","start":666.43,"end":666.93,"sentiment":"neutral","sentiment_score":0.20601680874824524},{"text":"And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market?","start":668.99,"end":685.825,"sentiment":"neutral","sentiment_score":-0.14388029258698226},{"text":"Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down?","start":686.54,"end":693.92,"sentiment":"neutral","sentiment_score":-0.056929104526837665},{"text":"Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped?","start":694.54,"end":704.075,"sentiment":"neutral","sentiment_score":-0.1375999509385138}],"sentiment":"neutral","sentiment_score":-0.11164907536336353,"channel":0,"num_words":105,"start":665.95,"end":704.075},{"sentences":[{"text":"I'd probably be considering investing more if assuming","start":705.825,"end":709.20996,"sentiment":"neutral","sentiment_score":-0.04372227471321821}],"sentiment":"neutral","sentiment_score":-0.04372227471321821,"channel":1,"num_words":8,"start":705.825,"end":709.20996},{"sentences":[{"text":"Yep.","start":709.175,"end":709.675,"sentiment":"neutral","sentiment_score":0.001142650842666626}],"sentiment":"neutral","sentiment_score":0.001142650842666626,"channel":0,"num_words":1,"start":709.175,"end":709.675},{"sentences":[{"text":"it was a company that I didn't think was gonna disappear","start":709.20996,"end":711.52997,"sentiment":"neutral","sentiment_score":-0.059375582432205025}],"sentiment":"neutral","sentiment_score":-0.059375582432205025,"channel":1,"num_words":11,"start":709.20996,"end":711.52997},{"sentences":[{"text":"Yes.","start":711.095,"end":711.595,"sentiment":"neutral","sentiment_score":0.02821621671319008}],"sentiment":"neutral","sentiment_score":0.02821621671319008,"channel":0,"num_words":1,"start":711.095,"end":711.595},{"sentences":[{"text":"as part of this.","start":711.52997,"end":712.58997,"sentiment":"neutral","sentiment_score":0.038457730785012245}],"sentiment":"neutral","sentiment_score":0.038457730785012245,"channel":1,"num_words":4,"start":711.52997,"end":712.58997},{"sentences":[{"text":"Yep.","start":713.415,"end":713.915,"sentiment":"neutral","sentiment_score":0.02185375988483429},{"text":"And some of these is tricky because it is hypothetical, and it does 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risk.","start":730.685,"end":737.345,"sentiment":"neutral","sentiment_score":-0.20433573983609676}],"sentiment":"neutral","sentiment_score":-0.14561334004004797,"channel":0,"num_words":51,"start":722.93,"end":737.345},{"sentences":[{"text":"Yep.","start":737.68,"end":738.18,"sentiment":"neutral","sentiment_score":-0.01462911069393158}],"sentiment":"neutral","sentiment_score":-0.01462911069393158,"channel":1,"num_words":1,"start":737.68,"end":738.18},{"sentences":[{"text":"But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back.","start":737.96497,"end":745.24005,"sentiment":"neutral","sentiment_score":-0.1769035868346691}],"sentiment":"neutral","sentiment_score":-0.1769035868346691,"channel":0,"num_words":22,"start":737.96497,"end":745.24005},{"sentences":[{"text":"Yeah.","start":745.44,"end":745.94,"sentiment":"neutral","sentiment_score":0.026543835178017616}],"sentiment":"neutral","sentiment_score":0.026543835178017616,"channel":1,"num_words":1,"start":745.44,"end":745.94},{"sentences":[{"text":"Alright.","start":746.66003,"end":747.06006,"sentiment":"neutral","sentiment_score":0.09447471797466278},{"text":"So invest a little bit more potentially.","start":747.06006,"end":749.08,"sentiment":"neutral","sentiment_score":0.09017197468451091},{"text":"Now next one here is in regards to investment performance.","start":750.9,"end":754.84,"sentiment":"neutral","sentiment_score":-0.039911415055394174},{"text":"So have you ever noticed superannuation or any other assets really drop in 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a bit of fluctuations in the market.","start":777.99,"end":780.49,"sentiment":"neutral","sentiment_score":-0.1052606500685215},{"text":"If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious?","start":781.35,"end":801.185,"sentiment":"neutral","sentiment_score":-0.07917320917723543}],"sentiment":"neutral","sentiment_score":-0.09063216655825575,"channel":0,"num_words":120,"start":764.445,"end":801.185},{"sentences":[{"text":"Probably 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time.","start":815.94,"end":816.81995,"sentiment":"neutral","sentiment_score":-0.2708955258131027},{"text":"No.","start":816.81995,"end":817.31995,"sentiment":"neutral","sentiment_score":-0.2611578404903412}],"sentiment":"neutral","sentiment_score":-0.2689479887485504,"channel":1,"num_words":5,"start":815.94,"end":817.31995},{"sentences":[{"text":"No.","start":817.28503,"end":817.765,"sentiment":"neutral","sentiment_score":-0.09529098868370056},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":817.765,"end":821.465,"sentiment":"neutral","sentiment_score":0.05860381057629219}],"sentiment":"neutral","sentiment_score":0.04761132491486413,"channel":0,"num_words":14,"start":817.28503,"end":821.465},{"sentences":[{"text":"If I was interested in buying a best property, 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you know, yeah, grow grow the portfolio, you know, seeing if I've got","start":851.05505,"end":858.015,"sentiment":"neutral","sentiment_score":0.04496342871182909}],"sentiment":"neutral","sentiment_score":0.04496342871182909,"channel":1,"num_words":24,"start":851.05505,"end":858.015},{"sentences":[{"text":"Yeah.","start":857.98,"end":858.48,"sentiment":"neutral","sentiment_score":0.02006308920681477}],"sentiment":"neutral","sentiment_score":0.02006308920681477,"channel":0,"num_words":1,"start":857.98,"end":858.48},{"sentences":[{"text":"time to go before retirement.","start":858.015,"end":859.315,"sentiment":"neutral","sentiment_score":-0.019023918733000755},{"text":"We're not 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fluctuations","start":871.21497,"end":874.115,"sentiment":"neutral","sentiment_score":0.1584620699286461}],"sentiment":"neutral","sentiment_score":0.1584620699286461,"channel":0,"num_words":10,"start":871.21497,"end":874.115},{"sentences":[{"text":"Mhmm.","start":873.882,"end":874.382,"sentiment":"neutral","sentiment_score":0.11236286163330078}],"sentiment":"neutral","sentiment_score":0.11236286163330078,"channel":1,"num_words":1,"start":873.882,"end":874.382},{"sentences":[{"text":"in order to try and grow that.","start":874.495,"end":876.355,"sentiment":"neutral","sentiment_score":0.13296457273619516},{"text":"When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this.","start":877.455,"end":891.26,"sentiment":"neutral","sentiment_score":0.17284438369626348},{"text":"Did that email come through okay?","start":892.12,"end":893.82,"sentiment":"neutral","sentiment_score":0.11105134338140488}],"sentiment":"neutral","sentiment_score":0.16144233249258577,"channel":0,"num_words":57,"start":874.495,"end":893.82},{"sentences":[{"text":"Yeah.","start":894.04004,"end":894.44,"sentiment":"neutral","sentiment_score":0.07905092090368271},{"text":"Which one am I,","start":894.44,"end":895.16003,"sentiment":"neutral","sentiment_score":0.07148309424519539}],"sentiment":"neutral","sentiment_score":0.07299665957689286,"channel":1,"num_words":5,"start":894.04004,"end":895.16003},{"sentences":[{"text":"Yep.","start":895.08496,"end":895.58496,"sentiment":"neutral","sentiment_score":0.06686670333147049}],"sentiment":"neutral","sentiment_score":0.06686670333147049,"channel":0,"num_words":1,"start":895.08496,"end":895.58496},{"sentences":[{"text":"I 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term, market always goes up.","start":925.375,"end":929.53503,"sentiment":"neutral","sentiment_score":0.1939370483160019}],"sentiment":"neutral","sentiment_score":0.20217822049115156,"channel":0,"num_words":74,"start":907.42,"end":929.53503},{"sentences":[{"text":"The short term,","start":929.53503,"end":930.255,"sentiment":"neutral","sentiment_score":0.07411448160807292}],"sentiment":"neutral","sentiment_score":0.07411448160807292,"channel":0,"num_words":3,"start":929.53503,"end":930.255},{"sentences":[{"text":"Mhmm.","start":930.09503,"end":930.59503,"sentiment":"neutral","sentiment_score":0.02813868783414364}],"sentiment":"neutral","sentiment_score":0.02813868783414364,"channel":1,"num_words":1,"start":930.09503,"end":930.59503},{"sentences":[{"text":"depending on what is going on in the world, there will be ups and downs and market fluctuations.","start":930.255,"end":934.59503,"sentiment":"neutral","sentiment_score":-0.043000396651526294},{"text":"So when we are talking about a growth portfolio, we do typically see 80% invested in your top four.","start":935.89,"end":943.97003,"sentiment":"neutral","sentiment_score":0.041449444956685365},{"text":"So you'll have your US shares, Australian shares, international shares, and property.","start":943.97003,"end":947.99,"sentiment":"neutral","sentiment_score":0.07638484798371792},{"text":"Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most.","start":948.625,"end":954.005,"sentiment":"neutral","sentiment_score":0.0657607688067051}],"sentiment":"neutral","sentiment_score":0.035199073056379954,"channel":0,"num_words":75,"start":930.255,"end":954.005},{"sentences":[{"text":"Mhmm.","start":954.51,"end":954.75,"sentiment":"neutral","sentiment_score":0.0925050899386406},{"text":"Yep.","start":954.75,"end":955.095,"sentiment":"neutral","sentiment_score":0.13724125921726227}],"sentiment":"neutral","sentiment_score":0.11487317457795143,"channel":1,"num_words":2,"start":954.51,"end":955.095},{"sentences":[{"text":"And then you do have about 20% in the bottom three, so your defensive investments.","start":955.345,"end":960.005,"sentiment":"neutral","sentiment_score":0.18234799057245255},{"text":"And as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit.","start":960.065,"end":968.29,"sentiment":"neutral","sentiment_score":0.16194975127776465},{"text":"So it's","start":968.29,"end":968.61,"sentiment":"neutral","sentiment_score":0.13073797896504402}],"sentiment":"neutral","sentiment_score":0.168358962982893,"channel":0,"num_words":38,"start":955.345,"end":968.61},{"sentences":[{"text":"Yep.","start":968.535,"end":969.0,"sentiment":"neutral","sentiment_score":0.09962190687656404}],"sentiment":"neutral","sentiment_score":0.09962190687656404,"channel":1,"num_words":1,"start":968.535,"end":969.0},{"sentences":[{"text":"about an eighty twenty split.","start":968.61,"end":970.39,"sentiment":"neutral","sentiment_score":0.09265658408403396},{"text":"Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations.","start":971.49,"end":978.435,"sentiment":"neutral","sentiment_score":0.014096484230510119},{"text":"So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop.","start":978.495,"end":984.595,"sentiment":"neutral","sentiment_score":-0.2829166561938249},{"text":"So in a growth portfolio, typically, we want to allow about six years until retirement.","start":985.055,"end":990.595,"sentiment":"neutral","sentiment_score":-0.017083710059523582}],"sentiment":"neutral","sentiment_score":-0.0898667699843645,"channel":0,"num_words":75,"start":968.61,"end":990.595},{"sentences":[{"text":"Okay.","start":991.41504,"end":991.91504,"sentiment":"neutral","sentiment_score":0.0014099963009357452}],"sentiment":"neutral","sentiment_score":0.0014099963009357452,"channel":1,"num_words":1,"start":991.41504,"end":991.91504},{"sentences":[{"text":"So you do certainly have the the time behind you.","start":992.01,"end":995.23,"sentiment":"neutral","sentiment_score":0.020994166284799574},{"text":"Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the 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retirement.","start":1017.815,"end":1024.1499,"sentiment":"neutral","sentiment_score":0.022205933536353865}],"sentiment":"neutral","sentiment_score":0.022205933536353865,"channel":0,"num_words":19,"start":1017.815,"end":1024.1499},{"sentences":[{"text":"Okay.","start":1023.895,"end":1024.395,"sentiment":"neutral","sentiment_score":0.09689997136592864},{"text":"Yep.","start":1024.775,"end":1025.13,"sentiment":"neutral","sentiment_score":0.12115606665611268}],"sentiment":"neutral","sentiment_score":0.10902801901102066,"channel":1,"num_words":2,"start":1023.895,"end":1025.13},{"sentences":[{"text":"I know you said you wanted to kind of maximize that growth.","start":1025.49,"end":1028.13,"sentiment":"neutral","sentiment_score":0.18874840003748736},{"text":"Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment?","start":1028.13,"end":1039.0449,"sentiment":"neutral","sentiment_score":0.09110178031465586}],"sentiment":"neutral","sentiment_score":0.11657481154669887,"channel":0,"num_words":46,"start":1025.49,"end":1039.0449},{"sentences":[{"text":"Yeah.","start":1038.81,"end":1039.21,"sentiment":"neutral","sentiment_score":0.05756962299346924},{"text":"We could probably shift to a higher growth.","start":1039.21,"end":1040.895,"sentiment":"neutral","sentiment_score":0.055743700824677944}],"sentiment":"neutral","sentiment_score":0.055946581065654755,"channel":1,"num_words":9,"start":1038.81,"end":1040.895},{"sentences":[{"text":"Yep.","start":1041.505,"end":1042.005,"sentiment":"neutral","sentiment_score":0.1857917308807373},{"text":"So what I can do is as part of the research, I'll look at the different investment portfolios.","start":1042.145,"end":1048.005,"sentiment":"neutral","sentiment_score":0.1750362084971534},{"text":"I'll see fees and, obviously, returns and also if there's any capital gains tax.","start":1048.3049,"end":1052.4,"sentiment":"neutral","sentiment_score":0.12394812383822032}],"sentiment":"neutral","sentiment_score":0.15368840053226007,"channel":0,"num_words":33,"start":1041.505,"end":1052.4},{"sentences":[{"text":"Mhmm.","start":1052.895,"end":1053.24,"sentiment":"neutral","sentiment_score":0.04238465428352356}],"sentiment":"neutral","sentiment_score":0.04238465428352356,"channel":1,"num_words":1,"start":1052.895,"end":1053.24},{"sentences":[{"text":"And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do.","start":1052.94,"end":1059.9,"sentiment":"neutral","sentiment_score":0.13398259047132272},{"text":"And just for your reference, a high growth portfolio, we wanna say eight years to retirement.","start":1059.9,"end":1064.32,"sentiment":"neutral","sentiment_score":0.11935036280192435},{"text":"So, again,","start":1064.415,"end":1065.055,"sentiment":"neutral","sentiment_score":0.17391213029623032}],"sentiment":"neutral","sentiment_score":0.13047675949267365,"channel":0,"num_words":44,"start":1052.94,"end":1065.055},{"sentences":[{"text":"Yep.","start":1064.6799,"end":1065.0,"sentiment":"neutral","sentiment_score":0.207141637802124},{"text":"Okay.","start":1065.0,"end":1065.345,"sentiment":"neutral","sentiment_score":0.23449233174324036}],"sentiment":"neutral","sentiment_score":0.2208169847726822,"channel":1,"num_words":2,"start":1064.6799,"end":1065.345},{"sentences":[{"text":"time frame wise, you certainly have that behind you.","start":1065.055,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.21877879401048025},{"text":"And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable.","start":1068.495,"end":1074.995,"sentiment":"neutral","sentiment_score":0.18164331336384235},{"text":"But at the same time, I do have 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me.","start":1108.6799,"end":1110.46,"sentiment":"neutral","sentiment_score":0.12703854124993086}],"sentiment":"neutral","sentiment_score":0.14669013544917106,"channel":0,"num_words":10,"start":1107.96,"end":1110.46},{"sentences":[{"text":"Yep.","start":1110.7301,"end":1111.2301,"sentiment":"neutral","sentiment_score":0.09740124642848969}],"sentiment":"neutral","sentiment_score":0.09740124642848969,"channel":1,"num_words":1,"start":1110.7301,"end":1111.2301},{"sentences":[{"text":"Yep.","start":1111.5599,"end":1111.96,"sentiment":"neutral","sentiment_score":0.13866779208183289},{"text":"Perfect.","start":1111.96,"end":1112.46,"sentiment":"positive","sentiment_score":0.3573635518550873},{"text":"Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after","start":1113.24,"end":1120.305,"sentiment":"neutral","sentiment_score":0.19388855637415595}],"sentiment":"neutral","sentiment_score":0.1982187256217003,"channel":0,"num_words":25,"start":1111.5599,"end":1120.305},{"sentences":[{"text":"Mhmm.","start":1119.93,"end":1120.065,"sentiment":"neutral","sentiment_score":0.0947130024433136}],"sentiment":"neutral","sentiment_score":0.0947130024433136,"channel":1,"num_words":1,"start":1119.93,"end":1120.065},{"sentences":[{"text":"fees.","start":1120.305,"end":1120.805,"sentiment":"neutral","sentiment_score":0.08541414886713028},{"text":"So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months.","start":1120.865,"end":1125.8451,"sentiment":"neutral","sentiment_score":0.054025464083837425},{"text":"But despite all of that, though, your portfolio has still held up pretty good.","start":1126.145,"end":1130.76,"sentiment":"neutral","sentiment_score":0.31308895136628834},{"text":"So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen.","start":1130.92,"end":1143.26,"sentiment":"positive","sentiment_score":0.46562494058161974},{"text":"Any questions so far?","start":1145.765,"end":1147.0651,"sentiment":"neutral","sentiment_score":0.05753050930798054}],"sentiment":"neutral","sentiment_score":0.28164007132117813,"channel":0,"num_words":74,"start":1120.305,"end":1147.0651},{"sentences":[{"text":"Nope.","start":1147.36,"end":1147.695,"sentiment":"neutral","sentiment_score":0.014644598588347437}],"sentiment":"neutral","sentiment_score":0.014644598588347437,"channel":1,"num_words":1,"start":1147.36,"end":1147.695},{"sentences":[{"text":"Nope.","start":1148.165,"end":1148.645,"sentiment":"neutral","sentiment_score":0.10592412948608398},{"text":"Perfect.","start":1148.645,"end":1149.145,"sentiment":"neutral","sentiment_score":0.2735448479652405},{"text":"Now with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one 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column to the right, that's all the return on the investment, so all of them.","start":1158.99,"end":1164.8501,"sentiment":"neutral","sentiment_score":0.14736820347607135},{"text":"Now what's in bracket is what's down at the moment,","start":1165.31,"end":1169.01,"sentiment":"neutral","sentiment_score":0.055057740584015843}],"sentiment":"neutral","sentiment_score":0.11659804917871952,"channel":0,"num_words":30,"start":1158.99,"end":1169.01},{"sentences":[{"text":"Mhmm.","start":1169.3099,"end":1169.8099,"sentiment":"neutral","sentiment_score":0.030631713569164276}],"sentiment":"neutral","sentiment_score":0.030631713569164276,"channel":1,"num_words":1,"start":1169.3099,"end":1169.8099},{"sentences":[{"text":"and then the other ones are up.","start":1169.4701,"end":1171.215,"sentiment":"neutral","sentiment_score":0.03831634271357741},{"text":"So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation.","start":1171.455,"end":1180.595,"sentiment":"neutral","sentiment_score":0.17980266287922858},{"text":"So how would you design your portfolio as well is that we want to make sure it is very diversified.","start":1180.815,"end":1186.0349,"sentiment":"positive","sentiment_score":0.41083152815699575},{"text":"We do have you in different industries and different markets.","start":1186.88,"end":1190.0,"sentiment":"neutral","sentiment_score":0.30679566562175753},{"text":"So if one market's doing really good, it kind of then help balance things out.","start":1190.0,"end":1194.16,"sentiment":"positive","sentiment_score":0.444725622733434}],"sentiment":"neutral","sentiment_score":0.2950487341731787,"channel":0,"num_words":77,"start":1169.4701,"end":1194.16},{"sentences":[{"text":"Because if you put everything in one section, it could make it really, really good one year and then be really down another.","start":1194.16,"end":1201.205,"sentiment":"neutral","sentiment_score":0.13364077634785487},{"text":"So we do wanna obviously smooth things out and diversify things for you.","start":1201.205,"end":1205.1449,"sentiment":"positive","sentiment_score":0.4887872017346896},{"text":"But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it.","start":1205.2849,"end":1221.52,"sentiment":"neutral","sentiment_score":-0.12576272126672597},{"text":"So at the end of the day, we do have you in the best options possible for you and your retirement.","start":1221.58,"end":1225.76,"sentiment":"positive","sentiment_score":0.5050613553751082}],"sentiment":"neutral","sentiment_score":0.11078280093877212,"channel":0,"num_words":115,"start":1194.16,"end":1225.76},{"sentences":[{"text":"Okay.","start":1227.18,"end":1227.465,"sentiment":"neutral","sentiment_score":0.2262372076511383}],"sentiment":"neutral","sentiment_score":0.2262372076511383,"channel":1,"num_words":1,"start":1227.18,"end":1227.465},{"sentences":[{"text":"So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices.","start":1228.235,"end":1239.2949,"sentiment":"neutral","sentiment_score":-0.08271407559514046},{"text":"Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other 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choices.","start":1264.255,"end":1268.83,"sentiment":"negative","sentiment_score":-0.34813615022336736}],"sentiment":"neutral","sentiment_score":-0.005851283815561556,"channel":0,"num_words":153,"start":1228.235,"end":1268.83},{"sentences":[{"text":"And right now, we do foresee that there are better options out there that we would like to look at changing it.","start":1269.21,"end":1275.07,"sentiment":"neutral","sentiment_score":-0.0048539647832512856},{"text":"So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future.","start":1275.2899,"end":1287.8451,"sentiment":"neutral","sentiment_score":0.0913803203497082},{"text":"Does that make sense?","start":1288.385,"end":1289.365,"sentiment":"neutral","sentiment_score":0.08892788551747799}],"sentiment":"neutral","sentiment_score":0.05915359289131381,"channel":0,"num_words":66,"start":1269.21,"end":1289.365},{"sentences":[{"text":"Yep.","start":1289.525,"end":1289.845,"sentiment":"neutral","sentiment_score":0.1140950545668602},{"text":"That does.","start":1289.845,"end":1290.36,"sentiment":"neutral","sentiment_score":0.1746755912899971}],"sentiment":"neutral","sentiment_score":0.15448207904895148,"channel":1,"num_words":3,"start":1289.525,"end":1290.36},{"sentences":[{"text":"Yep.","start":1290.4651,"end":1290.9651,"sentiment":"neutral","sentiment_score":0.12620829045772552},{"text":"Yep.","start":1291.025,"end":1291.505,"sentiment":"neutral","sentiment_score":0.21445100009441376},{"text":"Perfect.","start":1291.505,"end":1292.005,"sentiment":"positive","sentiment_score":0.5082598924636841},{"text":"Now the next documents, can you see does it say certificate of 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changing?","start":1340.105,"end":1343.0049,"sentiment":"neutral","sentiment_score":0.030424167215824128}],"sentiment":"neutral","sentiment_score":0.12877931639265555,"channel":0,"num_words":52,"start":1324.2899,"end":1343.0049},{"sentences":[{"text":"No.","start":1343.9299,"end":1344.09,"sentiment":"neutral","sentiment_score":-0.05483740568161011},{"text":"We've already done we've already done the withdrawal 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everything","start":1348.8099,"end":1349.53,"sentiment":"neutral","sentiment_score":0.09235243499279022}],"sentiment":"neutral","sentiment_score":0.17187097455774034,"channel":1,"num_words":7,"start":1347.77,"end":1349.53},{"sentences":[{"text":"That","start":1349.465,"end":1349.7849,"sentiment":"neutral","sentiment_score":0.0941178947687149}],"sentiment":"neutral","sentiment_score":0.0941178947687149,"channel":0,"num_words":1,"start":1349.465,"end":1349.7849},{"sentences":[{"text":"there is done.","start":1349.53,"end":1350.33,"sentiment":"neutral","sentiment_score":0.13681932538747787},{"text":"They're all 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sorted.","start":1351.96,"end":1352.62,"sentiment":"neutral","sentiment_score":0.22040220350027084},{"text":"Okay.","start":1352.84,"end":1353.1599,"sentiment":"neutral","sentiment_score":0.2486344277858734},{"text":"Perfect.","start":1353.1599,"end":1353.48,"sentiment":"positive","sentiment_score":0.3740566372871399},{"text":"Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that.","start":1353.48,"end":1358.6799,"sentiment":"neutral","sentiment_score":0.13878646763888272},{"text":"So that is good.","start":1358.6799,"end":1359.82,"sentiment":"positive","sentiment_score":0.43699079006910324}],"sentiment":"neutral","sentiment_score":0.1954920306801796,"channel":0,"num_words":30,"start":1351.96,"end":1359.82},{"sentences":[{"text":"Now with your insurances as well.","start":1360.44,"end":1362.36,"sentiment":"neutral","sentiment_score":0.1196788710852464},{"text":"So you have insurances with ClearView.","start":1362.36,"end":1364.2999,"sentiment":"neutral","sentiment_score":0.0790546548863252},{"text":"You have life and total permanent disability of about 838,000.","start":1365.3351,"end":1370.795,"sentiment":"neutral","sentiment_score":0.0633858647197485},{"text":"Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances?","start":1372.055,"end":1382.95,"sentiment":"neutral","sentiment_score":0.06716814541663879}],"sentiment":"neutral","sentiment_score":0.07288225367665291,"channel":0,"num_words":61,"start":1360.44,"end":1382.95},{"sentences":[{"text":"I think that's fine.","start":1383.76,"end":1384.975,"sentiment":"neutral","sentiment_score":0.26328564807772636}],"sentiment":"neutral","sentiment_score":0.26328564807772636,"channel":1,"num_words":4,"start":1383.76,"end":1384.975},{"sentences":[{"text":"That's 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see","start":1448.085,"end":1448.9049,"sentiment":"neutral","sentiment_score":0.027832671999931335}],"sentiment":"neutral","sentiment_score":0.10990053453506568,"channel":0,"num_words":39,"start":1433.05,"end":1448.9049},{"sentences":[{"text":"Yes.","start":1449.245,"end":1449.72,"sentiment":"neutral","sentiment_score":0.03365124762058258}],"sentiment":"neutral","sentiment_score":0.03365124762058258,"channel":1,"num_words":1,"start":1449.245,"end":1449.72},{"sentences":[{"text":"those?","start":1449.2849,"end":1449.7849,"sentiment":"neutral","sentiment_score":0.04328043758869171},{"text":"Yep.","start":1450.1649,"end":1450.565,"sentiment":"neutral","sentiment_score":0.09068508446216585},{"text":"Perfect.","start":1450.565,"end":1451.0449,"sentiment":"neutral","sentiment_score":0.23970083892345428},{"text":"So if you wanna open let me just see here.","start":1451.0449,"end":1454.1849,"sentiment":"neutral","sentiment_score":0.08589501716196538},{"text":"The second 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yourself.","start":1461.2999,"end":1464.6599,"sentiment":"neutral","sentiment_score":0.049562085419893265},{"text":"It is just a smaller version, essentially, of the big one.","start":1464.6599,"end":1467.64,"sentiment":"neutral","sentiment_score":0.07425861941142516}],"sentiment":"neutral","sentiment_score":0.06191035241565921,"channel":0,"num_words":22,"start":1461.2999,"end":1467.64},{"sentences":[{"text":"Okay.","start":1467.815,"end":1468.315,"sentiment":"neutral","sentiment_score":0.08623043447732925}],"sentiment":"neutral","sentiment_score":0.08623043447732925,"channel":1,"num_words":1,"start":1467.815,"end":1468.315},{"sentences":[{"text":"Now you would have seen this one plenty of times before.","start":1469.14,"end":1471.96,"sentiment":"neutral","sentiment_score":0.09097709235819904},{"text":"We do send it to you every time at annual review time.","start":1472.0199,"end":1475.08,"sentiment":"neutral","sentiment_score":0.16708146780729294},{"text":"It is one of those 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Ellen?","start":1779.975,"end":1785.195,"sentiment":"neutral","sentiment_score":0.3277351763099432}],"sentiment":"neutral","sentiment_score":0.3280620317046459,"channel":0,"num_words":26,"start":1778.375,"end":1785.195},{"sentences":[{"text":"Nope.","start":1785.565,"end":1785.805,"sentiment":"neutral","sentiment_score":-0.03829249739646912},{"text":"That's it.","start":1785.805,"end":1786.23,"sentiment":"neutral","sentiment_score":0.021464422345161438}],"sentiment":"neutral","sentiment_score":0.001545449097951251,"channel":1,"num_words":3,"start":1785.565,"end":1786.23},{"sentences":[{"text":"Perfect.","start":1786.2949,"end":1786.7949,"sentiment":"neutral","sentiment_score":0.19005756080150604},{"text":"Would you like a reminder text sent two hours before the appointment in case something comes 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back.","start":1794.9099,"end":1803.49,"sentiment":"neutral","sentiment_score":0.15135386903528814},{"text":"So that is if","start":1803.71,"end":1804.83,"sentiment":"neutral","sentiment_score":0.05130693223327398}],"sentiment":"neutral","sentiment_score":0.16567726455854648,"channel":0,"num_words":33,"start":1793.47,"end":1804.83},{"sentences":[{"text":"Okay.","start":1804.485,"end":1804.985,"sentiment":"neutral","sentiment_score":0.08576899766921997}],"sentiment":"neutral","sentiment_score":0.08576899766921997,"channel":1,"num_words":1,"start":1804.485,"end":1804.985},{"sentences":[{"text":"something were to happen to you who you want to nominate.","start":1804.83,"end":1807.25,"sentiment":"neutral","sentiment_score":0.060543189671906555}],"sentiment":"neutral","sentiment_score":0.060543189671906555,"channel":0,"num_words":11,"start":1804.83,"end":1807.25},{"sentences":[{"text":"I 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they like, did they new ones?","start":1809.525,"end":1811.125,"sentiment":"neutral","sentiment_score":-0.07040987695966448},{"text":"Or did they need to do new ones?","start":1811.125,"end":1812.565,"sentiment":"neutral","sentiment_score":-0.09167306032031775},{"text":"Or","start":1812.565,"end":1812.87,"sentiment":"neutral","sentiment_score":-0.0416322760283947}],"sentiment":"neutral","sentiment_score":-0.08116059377789497,"channel":1,"num_words":17,"start":1809.285,"end":1812.87},{"sentences":[{"text":"if you still have them, but if not, I can 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to you guys several times now.","start":1817.43,"end":1819.53,"sentiment":"neutral","sentiment_score":-0.0036626628467014864}],"sentiment":"neutral","sentiment_score":-0.0036626628467014864,"channel":1,"num_words":7,"start":1817.43,"end":1819.53},{"sentences":[{"text":"do you have access to a printer?","start":1820.3451,"end":1821.9651,"sentiment":"neutral","sentiment_score":-0.013641375516142164}],"sentiment":"neutral","sentiment_score":-0.013641375516142164,"channel":0,"num_words":7,"start":1820.3451,"end":1821.9651},{"sentences":[{"text":"Yeah.","start":1824.15,"end":1824.65,"sentiment":"neutral","sentiment_score":0.02118612825870514}],"sentiment":"neutral","sentiment_score":0.02118612825870514,"channel":1,"num_words":1,"start":1824.15,"end":1824.65},{"sentences":[{"text":"Okay.","start":1825.15,"end":1825.5499,"sentiment":"neutral","sentiment_score":0.022676004096865657},{"text":"Because what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating.","start":1825.5499,"end":1831.73,"sentiment":"neutral","sentiment_score":-0.1645804923772812},{"text":"What I can do, if you do have access to a printer, I can get the team to email it to you.","start":1832.83,"end":1838.2899,"sentiment":"neutral","sentiment_score":0.10447807491502979}],"sentiment":"neutral","sentiment_score":-0.037360805358427264,"channel":0,"num_words":48,"start":1825.15,"end":1838.2899},{"sentences":[{"text":"Yep.","start":1838.675,"end":1839.175,"sentiment":"neutral","sentiment_score":0.2240774482488632}],"sentiment":"neutral","sentiment_score":0.2240774482488632,"channel":1,"num_words":1,"start":1838.675,"end":1839.175},{"sentences":[{"text":"That way, when you still just have to print it and sign it, unless you do have no.","start":1838.8049,"end":1843.7649,"sentiment":"neutral","sentiment_score":0.24260422711571059},{"text":"You would have sent them 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to","start":1862.84,"end":1864.62,"sentiment":"neutral","sentiment_score":-0.044748765975236894}],"sentiment":"neutral","sentiment_score":0.029719304941270664,"channel":0,"num_words":23,"start":1857.8,"end":1864.62},{"sentences":[{"text":"Mhmm.","start":1864.995,"end":1865.495,"sentiment":"neutral","sentiment_score":-0.044962383806705475}],"sentiment":"neutral","sentiment_score":-0.044962383806705475,"channel":1,"num_words":1,"start":1864.995,"end":1865.495},{"sentences":[{"text":"nominations as well, there are some restrictions on who you can actually nominate directly through your 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know.","start":1897.735,"end":1905.18,"sentiment":"neutral","sentiment_score":0.13033283646068267}],"sentiment":"neutral","sentiment_score":0.05937153012270019,"channel":0,"num_words":42,"start":1893.495,"end":1905.18},{"sentences":[{"text":"Mhmm.","start":1905.61,"end":1906.11,"sentiment":"neutral","sentiment_score":0.05262600257992744}],"sentiment":"neutral","sentiment_score":0.05262600257992744,"channel":1,"num_words":1,"start":1905.61,"end":1906.11},{"sentences":[{"text":"If not, otherwise, I'll leave that to you.","start":1905.7401,"end":1907.7401,"sentiment":"neutral","sentiment_score":0.07021179981529713},{"text":"I'll keep a lookout for that email to come back as well.","start":1907.7401,"end":1911.3401,"sentiment":"neutral","sentiment_score":0.23573259885112444},{"text":"So it will be my team who will email them to you.","start":1911.3401,"end":1914.2401,"sentiment":"neutral","sentiment_score":0.2556835524737835}],"sentiment":"neutral","sentiment_score":0.20183400670066476,"channel":0,"num_words":32,"start":1905.7401,"end":1914.2401},{"sentences":[{"text":"Yep.","start":1914.89,"end":1915.155,"sentiment":"positive","sentiment_score":0.36670249700546265}],"sentiment":"positive","sentiment_score":0.36670249700546265,"channel":1,"num_words":1,"start":1914.89,"end":1915.155},{"sentences":[{"text":"And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time.","start":1915.42,"end":1920.3201,"sentiment":"positive","sentiment_score":0.407478308548098},{"text":"Perfect.","start":1922.115,"end":1922.615,"sentiment":"positive","sentiment_score":0.8234167098999023},{"text":"Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth.","start":1922.915,"end":1927.015,"sentiment":"positive","sentiment_score":0.686495271168257}],"sentiment":"positive","sentiment_score":0.5404378595047219,"channel":0,"num_words":43,"start":1915.42,"end":1927.015},{"sentences":[{"text":"Okay.","start":1926.595,"end":1927.095,"sentiment":"neutral","sentiment_score":0.32628747820854187},{"text":"No worries.","start":1927.155,"end":1927.7151,"sentiment":"positive","sentiment_score":0.36123421788215637},{"text":"Alright.","start":1927.7151,"end":1928.035,"sentiment":"positive","sentiment_score":0.3988289833068848},{"text":"See you later.","start":1928.035,"end":1928.7928,"sentiment":"positive","sentiment_score":0.49944227933883667}],"sentiment":"positive","sentiment_score":0.4208445336137499,"channel":1,"num_words":7,"start":1926.595,"end":1928.7928},{"sentences":[{"text":"No no problem.","start":1928.595,"end":1929.555,"sentiment":"positive","sentiment_score":0.5219521919886271},{"text":"We'll speak soon.","start":1929.555,"end":1930.535,"sentiment":"positive","sentiment_score":0.3861493368943532}],"sentiment":"positive","sentiment_score":0.4540507644414902,"channel":0,"num_words":6,"start":1928.595,"end":1930.535},{"sentences":[{"text":"Bye.","start":1931.0328,"end":1931.5328,"sentiment":"neutral","sentiment_score":0.253255158662796}],"sentiment":"neutral","sentiment_score":0.253255158662796,"channel":1,"num_words":1,"start":1931.0328,"end":1931.5328},{"sentences":[{"text":"Bye.","start":1931.395,"end":1931.895,"sentiment":"neutral","sentiment_score":-0.1265590786933899}],"sentiment":"neutral","sentiment_score":-0.1265590786933899,"channel":0,"num_words":1,"start":1931.395,"end":1931.895}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with various customers to discuss retirement plans and investment opportunities. They emphasize the importance of salary and salary sacrifice, as well as the benefits of both. The speaker also emphasizes the importance of diversifying the portfolio and changing the portfolio if the investment is underperforming. They offer to provide annual reviews and a six-year retirement goal. The customer is advised to review their investments and potential changes to their portfolio if the market conditions are not sufficient. The agent schedules a call for Monday to go over research and provides a time for the appointment."},"intents":{"segments":[{"text":"I had you booked in this morning for a bit of a catch up. Is now still a good time for you?","start_word":26,"end_word":47,"intents":[{"intent":"Schedule catch up","confidence_score":0.111555025}]},{"text":"Now just before I do go any further, I do need to let you know that these calls are being recorded Sure.","start_word":51,"end_word":72,"intents":[{"intent":"Inform about calls recorded","confidence_score":0.001083571}]},{"text":"And I do have a password on file for you. Do you know where that might be? 3Luna500?","start_word":85,"end_word":102,"intents":[{"intent":"Provide password","confidence_score":0.71184427}]},{"text":"I'm I'm just mainly curious about, like, sort of I I feel like it's probably time to start preparing for retirement.","start_word":230,"end_word":250,"intents":[{"intent":"Prepare for retirement","confidence_score":0.07747396}]},{"text":"a bit of a check-in of, okay.","start_word":301,"end_word":307,"intents":[{"intent":"Check in","confidence_score":0.029922133}]},{"text":"And do you know on if you do get a bonus, do they pay contributions on the bonus? Do you know that?","start_word":756,"end_word":777,"intents":[{"intent":"Identify payment methods","confidence_score":0.000023481418}]},{"text":"And in terms of salary sacrifice, do you have an amount that you would like to start with?","start_word":1021,"end_word":1038,"intents":[{"intent":"Assess salary sacrifice and adjust adjust amount","confidence_score":9.071242e-7}]},{"text":"And in terms of salary sacrifice, do you have an amount that you would like to start with? I was thinking just, like, 1 or 200 a month just Okay. yeah.","start_word":1021,"end_word":1051,"intents":[{"intent":"Set up and budget","confidence_score":0.000011062273}]},{"text":"Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic.","start_word":1245,"end_word":1268,"intents":[{"intent":"Decrease taxable income","confidence_score":0.00036436436}]},{"text":"So if there's ever a situation, we just need to check your cap spaces Yep. again.","start_word":1432,"end_word":1447,"intents":[{"intent":"Check cap spaces","confidence_score":0.07643272}]},{"text":"Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage.","start_word":1501,"end_word":1528,"intents":[{"intent":"Confirm new mortgage","confidence_score":0.0064090583}]},{"text":"I do have two properties listed here, so I just want to confirm that which one is the correct one. So is that one the 750 or the 635 value?","start_word":1529,"end_word":1558,"intents":[{"intent":"Confirm property","confidence_score":0.25203854}]},{"text":"That'd be the 6357 Six thirty Chucklewly five. Street. The the other one, 59 Hawke Drive. Yep.","start_word":1559,"end_word":1575,"intents":[{"intent":"Confirm address","confidence_score":0.00775027}]},{"text":"I already have a car and a credit card on file. That's all correct as well? Yeah.","start_word":1602,"end_word":1618,"intents":[{"intent":"Remove credit card","confidence_score":0.08512783}]},{"text":"I'll just remove it. It's more so if it's, like, a debt that you are trying to pay down. Yeah.","start_word":1670,"end_word":1689,"intents":[{"intent":"Remove debt","confidence_score":0.6251966}]},{"text":"So the only kind of debt is the mortgage. Yep.","start_word":1703,"end_word":1712,"intents":[{"intent":"Assess debt status","confidence_score":0.060503285}]},{"text":"Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well.","start_word":1716,"end_word":1776,"intents":[{"intent":"Send annual review document","confidence_score":0.8594981},{"intent":"Send monthly review","confidence_score":0.0011938139}]},{"text":"So do you have access Yep. to your emails at the moment?","start_word":1777,"end_word":1788,"intents":[{"intent":"Access yep","confidence_score":0.4998801}]},{"text":"So I'll just send this. It might take a couple of minutes for it to come through. And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we Mhmm. don't need to make any changes to your risk profile in your super. Yeah.","start_word":1795,"end_word":1862,"intents":[{"intent":"Evaluate risk profile questionnaire","confidence_score":0.005552978}]},{"text":"So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now Mhmm.","start_word":1912,"end_word":1939,"intents":[{"intent":"Evaluate inflation impact","confidence_score":0.000115916366}]},{"text":"how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation. Would you say yep. Yep. Sorry. Go ahead. Would you say very high risk, high, moderate, or a small amount of risk? I would say high risk still at this stage High. in my life.","start_word":1940,"end_word":2000,"intents":[{"intent":"Determine risk level","confidence_score":0.031120693}]},{"text":"And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market?","start_word":2003,"end_word":2042,"intents":[{"intent":"Assess portfolio value","confidence_score":0.02816987},{"intent":"Discuss volatility impact","confidence_score":0.04022262}]},{"text":"I'd probably be considering investing more if assuming Yep. it was a company that I didn't think was gonna disappear Yes.","start_word":2106,"end_word":2126,"intents":[{"intent":"Reject investment","confidence_score":0.00018350707}]},{"text":"But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back. Yeah.","start_word":2217,"end_word":2239,"intents":[{"intent":"Reflect on market trends","confidence_score":0.000022053433}]},{"text":"So have you ever noticed superannuation or any other assets really drop in value? And if so, how did that make you feel?","start_word":2258,"end_word":2280,"intents":[{"intent":"Discuss investment performance","confidence_score":0.37287223}]},{"text":"So when we are talking about a growth portfolio, we do typically see 80% invested in your top four. So you'll have your US shares, Australian shares, international shares, and property.","start_word":2812,"end_word":2842,"intents":[{"intent":"Discuss portfolios","confidence_score":0.016837884}]},{"text":"And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do.","start_word":3182,"end_word":3207,"intents":[{"intent":"Put proposal together","confidence_score":0.3551766}]},{"text":"So happy to have a look at your high growth. Yes.","start_word":3308,"end_word":3318,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.0022469505}]},{"text":"Now the next document while we are in the email set, is that a twelve month performance report? Okay.","start_word":3321,"end_word":3339,"intents":[{"intent":"Explore portfolio performance","confidence_score":0.005562995},{"intent":"Explore portfolio performance","confidence_score":0.0057656514}]},{"text":"Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after Mhmm. fees.","start_word":3370,"end_word":3394,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.36156967},{"intent":"Discuss investments","confidence_score":0.012144306}]},{"text":"So how would you design your portfolio as well is that we want to make sure it is very diversified.","start_word":3568,"end_word":3587,"intents":[{"intent":"Specify portfolio preferences","confidence_score":0.0001508171}]},{"text":"So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future. Does that make sense? Yep.","start_word":3905,"end_word":3949,"intents":[{"intent":"Analyze portfolio and salary sacrifice","confidence_score":0.024015265},{"intent":"Understand options for future","confidence_score":0.00072002603}]},{"text":"Now the next documents, can you see does it say certificate of currency? Yep.","start_word":3954,"end_word":3967,"intents":[{"intent":"Identify key documents","confidence_score":0.002020938}]},{"text":"Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances? I think that's fine.","start_word":4177,"end_word":4219,"intents":[{"intent":"Clarify coverage level","confidence_score":0.0006295793}]},{"text":"And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if Yep.","start_word":4257,"end_word":4287,"intents":[{"intent":"Provide lump sum coverage","confidence_score":0.36889768}]},{"text":"And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month. You have a thirty day waiting period and a five year benefit period. All three paid from within superannuation. You do get a tax rebate. So after that, it is 1,437. Are you happy with your income protection as well? Yep.","start_word":4300,"end_word":4360,"intents":[{"intent":"Provide income protection policy","confidence_score":0.50245994}]},{"text":"Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one. Can you see Yes.","start_word":4363,"end_word":4400,"intents":[{"intent":"Provide financial services guide version four and oakview services guide version two","confidence_score":0.0010196319}]},{"text":"So as you scroll through, you might see a bit of an updated photos of the team and everything like that. Mhmm.","start_word":4509,"end_word":4530,"intents":[{"intent":"Scroll through photos","confidence_score":0.23997037}]},{"text":"The page numbers are nice and consistent. This this is six seven No.","start_word":4566,"end_word":4578,"intents":[{"intent":"Ask for page number consistency","confidence_score":0.000040365983}]},{"text":"This this is six seven No.","start_word":4573,"end_word":4578,"intents":[{"intent":"Seek clarification on page number","confidence_score":0.00034174178}]},{"text":"Now if you are happy to do so, if you press the link where it says sign now, it will ask Mhmm. you to sign two documents. Now one of them is your ongoing service agreement. Actually, I think you might only have one because I think you've signed the other one before. Can you only see one document? Yep.","start_word":4630,"end_word":4689,"intents":[{"intent":"Confirm document signing","confidence_score":0.02518412}]},{"text":"Is there anything else that has changed in your personal situation that we haven't gone over otherwise? No. No.","start_word":4907,"end_word":4925,"intents":[{"intent":"Report personal situation","confidence_score":0.00009040797}]},{"text":"And I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you.","start_word":4928,"end_word":4957,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.00795395}]},{"text":"need to look at buying a car in what is it? Yeah.","start_word":4996,"end_word":5007,"intents":[{"intent":"Discuss car purchase","confidence_score":0.33045465}]},{"text":"Do you have any other questions, or was there anything else that you wanted to discuss and talk about today? No. I'm good.","start_word":5071,"end_word":5093,"intents":[{"intent":"Help with questions","confidence_score":0.15907666}]},{"text":"So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you. Now it will take me about a week or so to put together all the research. Mhmm.","start_word":5097,"end_word":5150,"intents":[{"intent":"Book research","confidence_score":0.4310233}]},{"text":"I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together. And then we can see what you wanna do and take it from there. Yep.","start_word":5293,"end_word":5342,"intents":[{"intent":"Send proposal","confidence_score":0.029079461}]},{"text":"Would you like a reminder text sent two hours before the appointment in case something comes up?","start_word":5375,"end_word":5391,"intents":[{"intent":"Request reminder text","confidence_score":0.5494655}]},{"text":"Did they like, did they new ones? Or did they need to do new ones?","start_word":5445,"end_word":5459,"intents":[{"intent":"Inform about new forms","confidence_score":0.0018509489}]},{"text":"do you have access to a printer? Yeah. Okay.","start_word":5490,"end_word":5498,"intents":[{"intent":"Request access to printer","confidence_score":0.0006502306}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Owen? Yes. It is. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1389184594154358},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.48942190408706665},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.30128663778305054},{"text":"I'm good. Thanks.","start_word":23,"end_word":25,"sentiment":"positive","sentiment_score":0.5713375806808472},{"text":"I had you booked in this morning for a bit of a catch up. Is now still a good time for you? Yeah. Yep. Perfect. Now just before I do go any further, I do need to let you know that these calls are being recorded Sure. for quality and coaching purposes, if that's okay. Yep. That's fine.","start_word":26,"end_word":83,"sentiment":"neutral","sentiment_score":0.17663906514644623},{"text":"Perfect.","start_word":84,"end_word":84,"sentiment":"positive","sentiment_score":0.46892768144607544},{"text":"And I do have a password on file for you. Do you know where that might be? 3Luna500? Yep.","start_word":85,"end_word":103,"sentiment":"neutral","sentiment_score":0.0983608141541481},{"text":"Perfect. That's exactly what I have here.","start_word":104,"end_word":110,"sentiment":"positive","sentiment_score":0.4446884691715241},{"text":"How's your morning been? Been busy? Yeah. Not bad yourself? Yeah. Yeah.","start_word":111,"end_word":122,"sentiment":"neutral","sentiment_score":0.10045120120048524},{"text":"Pretty good.","start_word":123,"end_word":124,"sentiment":"positive","sentiment_score":0.3612210154533386},{"text":"So far, it's a bit rainy here on the coast, but otherwise, it's not too bad. Now, Owen, I do have you booked in because I know there was a couple of questions that you wanted to talk about after you did your quarterly review with my colleague, Maddie. Mhmm. Mhmm. But I also noticed that your under review is actually due now. So if you don't mind, I thought we could just do all that the one go for you if you are happy with that. Yeah. Sure. Yeah.","start_word":125,"end_word":214,"sentiment":"neutral","sentiment_score":0.11348244547843932},{"text":"Perfect.","start_word":215,"end_word":215,"sentiment":"positive","sentiment_score":0.35474202036857605},{"text":"We can get started on what you wanted to talk about first. Yeah. Yeah. I'm I'm just mainly curious about, like, sort of I I feel like it's probably time to start preparing for retirement. So things like salary sacrifice Mhmm. and super and that sort of thing that we should be looking So, definitely so what I can do is because it's been it's always good to do a bit of an updated statement of advice at time, reassess research, and also do at. a bit of a check-in of, okay. Well, where is your super at the moment? How Mhmm. is it tracking? And by the time you are planning on retiring, where are things kind of on track to be?","start_word":216,"end_word":338,"sentiment":"neutral","sentiment_score":0.07150103151798248},{"text":"So I can definitely do that for you after the call as well and and do factor in some potential salary sacrifice just to show you as well that changes and impacts that that might have.","start_word":339,"end_word":374,"sentiment":"positive","sentiment_score":0.41530272364616394},{"text":"Yep. Now are you still kind of planning on accessing Super at 65 at the moment? Is that Yeah. when I think you're ideal is? I think so. Yeah. Yeah. And then ideal income per week that you like to draw from super, about 4,500 per week? I think that probably more likely per month. Yeah. Yeah. I've never I held saw I've it. never And gotten I was 4,000 like 500 in a week in my life. I thought I was like, do you know what? Everyone's to their own, but I was like, oh, well, most people go, like, 1 to 2,000 a week. And he's like, oh, you must you must just want a very extravagant life lifestyle. Nothing wrong with it. But I was like, it is a lot. Okay. So more around the 4,000 Yeah. 500 If I per if I had month. that much money on hand, I wouldn't be too worried about salary sacrificing. Yeah. I was like, it is a ambitious goal, but, Yep.","start_word":375,"end_word":546,"sentiment":"neutral","sentiment_score":0.060949694365262985},{"text":"you know, I'm all for it.","start_word":547,"end_word":552,"sentiment":"positive","sentiment_score":0.46151256561279297},{"text":"Okay.","start_word":553,"end_word":553,"sentiment":"neutral","sentiment_score":0.31414994597435},{"text":"Per month. That's good.","start_word":554,"end_word":557,"sentiment":"positive","sentiment_score":0.4994031488895416},{"text":"Now salary sacrifice. So your income at the moment, I have down here as a 107,500. Yep. It had gone up slightly recently. Yep. Do you know what it's at now? What is it on top of my head? Two seconds. Yes. Let's let's we're right about it's about 01:10. Yeah. That one's I it. I think Okay. it's Perfect. slightly more than that, but I I don't have the exact value in front of me. That's Close Okay. enough. And do you get paid bonuses or anything like that as well or just like your base Yes. paid?","start_word":558,"end_word":656,"sentiment":"neutral","sentiment_score":0.04501383379101753},{"text":"But they're not reliable.","start_word":657,"end_word":660,"sentiment":"negative","sentiment_score":-0.35926494002342224},{"text":"It's basically depending on company performance. So I I just generally Okay. assume they don't exist. Okay. And because you've been there for a cup for quite some time. The thing is now yeah. Yeah. Now I know you say it's unreliable, but, like, in the last financial year, do you know did you get any do you know how much it was? I did get one this year. Mhmm. I think it was 5 k. Okay. And is it usually, like, a a yearly, six monthly, quarterly? That's a yearly thing. Yeah. Yeah. Okay. And do you know on if you do get a bonus, do they pay contributions on the bonus? Do you know that? That's a good question. I do not know No. Most of the time, employees do pay that. contributions on a bonus, typically not over Yep. time. Because the but we can exclude that from the calculation and everything, especially if you say it's a bit unreliable. You don't wanna count on it. The only thing I do wanna potentially factoring it in is we don't wanna exceed your concessional contribution cap, which Mhmm. Yep. is how much you can Mhmm. put in pretax. So I'll just have it in mind so we're not trying to max out and then you go over and pay Yep. additional tax because that's what we're trying to avoid. Yeah. I I I feel like if I if I had to pick a pick one, I think it comes down on yes. They did pay contributions on it. I Yes. do feel like I remember seeing something on the And and sheet. tip typically, that is the case as well. I can go when Mhmm. I do the research, I can go and have a look through your transaction statement in hub '24 as well, and that should show me if there was, like, a ad hoc one that's not Yep. consistent with your pay cycle, and that would kind Mhmm. of confirm that for me as well. Yep. Otherwise, they just pay that standard 12% contribution into super. Like, Yep. just just standard terms. Yep.","start_word":661,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.01734023496466975},{"text":"Perfect.","start_word":1019,"end_word":1019,"sentiment":"positive","sentiment_score":0.5764727592468262},{"text":"And in terms of salary sacrifice, do you have an amount that you would like to start with? I was thinking just, like, 1 or 200 a month just Okay. yeah. Because, Yep. yeah, as I've just bought the house and, you know, that that loan is still quite high and interest rates going up. I don't wanna Yes. start throwing too much Yep. out. Do you wanna start with a 100 or a 100 and Yeah. 50 or or 2? Let's go a 100. 100. Okay. Now with salary sacrifice as well, it is something you can always just change with that employer anyway. Yep. And if anything does change, like, if interest rate continues to go up and you're feeling you're a bit short, you can Yep. always tell them to to cancel it temporarily and then always restart it. So it is very flexible. But what I'll do is I will factor in a $100 per month salary sacrifice, Mhmm. and I'll do do up a bit of a strategy for you to show you, well, okay, how much is that going to impact your super and compounding Mhmm. and how much is it actually going to save you in tax as well. Okay. And that gives you a bit of a assessment of, okay. Well, how much does it actually impact?","start_word":1020,"end_word":1244,"sentiment":"neutral","sentiment_score":0.06268634647130966},{"text":"Obviously, something to be mindful of, salary sacrifice is great because you boost your superannuation while reducing your taxable income, so it is fantastic.","start_word":1245,"end_word":1268,"sentiment":"positive","sentiment_score":0.5102612376213074},{"text":"Only thing to be mindful of is by doing it, it does get locked in to if somebody meet a condition of release. So for example, turning 60 and retiring. That is Yeah. the That's only thing why to that's be why I was starting with, like, a small amount because, yeah, because I don't, you know, I don't wanna yeah. Yep. Put That too way much I don't and that then way I don't that way I don't need to worry about it so much. yep. You know?","start_word":1269,"end_word":1357,"sentiment":"neutral","sentiment_score":0.04845757409930229},{"text":"Perfect.","start_word":1358,"end_word":1358,"sentiment":"positive","sentiment_score":0.5832405090332031},{"text":"And if it is that you especially with the new mortgage and stuff like that, I feel like, oh, okay. I'll actually come in contact with more money. We can always put more in. And if there's ever a situation as well, you can do lump sum into super as well. And what we can do is convert it if you have enough space to pretax contributions anyway. We Mhmm. can do that. So if there's ever a situation, we just need to check your cap spaces Yep. again. Because at the moment, it is 30,000 per financial year, and it includes your employer contribution as well as your bonus contributions as well. So it kind of includes everything, Yep. but you do have quite a bit of space. So I'll just start with a $100 per month as a starting point. Now while we are kind of going through a bit of the fact signed, I'll just wanna confirm because I know you said you have a new mortgage. I do have two properties listed here, so I just want to confirm that which one is the correct one. So is that one the 750 or the 635 value? That'd be the 6357 Six thirty Chucklewly five. Street. The the other one, 59 Hawke Drive. Yep. Yeah. That was on my cell. So yep. Okay. So I'll just remove that. So $6.35, that's yours, and mortgage at about $4.40? Yep. Yep.","start_word":1359,"end_word":1600,"sentiment":"neutral","sentiment_score":0.07772941142320633},{"text":"Perfect.","start_word":1601,"end_word":1601,"sentiment":"positive","sentiment_score":0.3908856511116028},{"text":"I already have a car and a credit card on file. That's all correct as well? Yeah. Do you need the limit on the credit card? Because that that could Most change, of and how much you have owing? I'm basically, zero I zero it out every month. Perfect. Just select points and stuff? Yeah.","start_word":1602,"end_word":1656,"sentiment":"neutral","sentiment_score":0.0921572968363762},{"text":"I'm glad I kept finding area points in that one.","start_word":1657,"end_word":1666,"sentiment":"positive","sentiment_score":0.3706986010074615},{"text":"Yeah. Okay. Perfect. I'll just remove it. It's more so if it's, like, a debt that you are trying to pay down. Yeah. Nine. Nine. Like None So at all. I'll just remove that. Okay.","start_word":1667,"end_word":1701,"sentiment":"neutral","sentiment_score":0.004791688174009323},{"text":"Perfect.","start_word":1702,"end_word":1702,"sentiment":"positive","sentiment_score":0.6118745803833008},{"text":"So the only kind of debt is the mortgage. Yep. Yeah. Okay.","start_word":1703,"end_word":1714,"sentiment":"neutral","sentiment_score":0.08106652647256851},{"text":"Perfect.","start_word":1715,"end_word":1715,"sentiment":"positive","sentiment_score":0.4381890296936035},{"text":"Otherwise, when it comes to superannuation for you, kind of while we are doing a bit of an assessment on salary sacrifice, What I will do actually is send you your annual review document because that gives you a bit of a update on where your balance is at right now and what's happened in the last twelve months as well. So do you have access Yep. to your emails at the moment? My email? Yep. Yeah. Okay.","start_word":1716,"end_word":1793,"sentiment":"neutral","sentiment_score":0.08794888854026794},{"text":"Perfect.","start_word":1794,"end_word":1794,"sentiment":"positive","sentiment_score":0.4107593595981598},{"text":"So I'll just send this. It might take a couple of minutes for it to come through. And while I do wait for that to come through, I'll go through a bit of an updated risk profile questionnaire with you just to see if your risk tolerance or anything has changed, if we Mhmm. don't need to make any changes to your risk profile in your super. Yeah. So it is pretty straightforward. Just multiple choice questions. No right or wrong answer. Just whatever you feel is the most appropriate for you. Does that make I sense? can yep. Yep.","start_word":1795,"end_word":1894,"sentiment":"neutral","sentiment_score":0.1250046342611313},{"text":"Perfect.","start_word":1895,"end_word":1895,"sentiment":"positive","sentiment_score":0.3368217945098877},{"text":"Now have you ever bought direct shares yourself? No. Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now Mhmm. how much risk are you willing to take in order to keep up with the rising prices and everything when you are thinking about your superannuation. Would you say yep. Yep. Sorry. Go ahead. Would you say very high risk, high, moderate, or a small amount of risk? I would say high risk still at this stage High. in my life. Yep. Perfect. And when it comes to volatility, so fluctuations, how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market? Now would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down? Would you hold, kinda wait and see what happens, or would you want to shift to a more secure asset but that means you are then selling when the prices have already dropped? I'd probably be considering investing more if assuming Yep. it was a company that I didn't think was gonna disappear Yes. as part of this. Yep. And some of these is tricky because it is hypothetical, and it does obviously Yeah. depend on the circumstances. So it can be a bit of bit of a tricky one. But, Yep. typically, we wouldn't obviously have you invested in your super in an investment that we don't foresee coming back around or being a good long term option. Like, you wouldn't be a super risky unless you were, like, a super aggressive investor and wanted to take on that level of risk. Yep. But, otherwise, it would be more just due to general trends in the market than a particular company or investment going back. Yeah. Alright. So invest a little bit more potentially. Now next one here is in regards to investment performance. So have you ever noticed superannuation or any other assets really drop in value? And if so, how did that make you feel? Now, obviously, in the last twelve months, we have seen a bit of fluctuations. I'm sure you've seen on the news and everything as well. First, obviously, everything in The US saw a bit of fluctuations in the market with Trump and tariffs and everything, and, obviously, more recently, the war. We have seen a bit of fluctuations in the market. If it was something that you did pay attention to or that you did notice or even go back to COVID that was a bit of a drop in the market then, would you say that you would feel optimistic about future investment opportunities, a bit more kind of cautious, neutral, not making further investments, concerned, or highly anxious? Probably cautious. Cautious? Yep.","start_word":1896,"end_word":2404,"sentiment":"neutral","sentiment_score":-0.09786292347025076},{"text":"Perfect.","start_word":2405,"end_word":2405,"sentiment":"positive","sentiment_score":0.4004034101963043},{"text":"And the last one here is, would you ever consider taking out a loan to invest in stocks or funds? Not at this time. No. No. Would you ever consider taking out a loan to buy an investment property? If I was interested in buying a best property, yes. Yep. Okay. So if you wanted to, you will be comfortable taking out the loan. It's just potentially not something you are wanting to do Yes. right now. Yep.","start_word":2406,"end_word":2483,"sentiment":"neutral","sentiment_score":0.05575894067684809},{"text":"Correct. Perfect.","start_word":2484,"end_word":2485,"sentiment":"positive","sentiment_score":0.4450913965702057},{"text":"Now, Owen, that tells me here that you have come out as a growth investor, which Mhmm. is the portfolio we currently have you invested in. Now do you remember what it means to be a growth investor at all? Well, it shouldn't mean we're taking more risk in order to, you know, yeah, grow grow the portfolio, you know, seeing if I've got Yeah. time to go before retirement. We're not holding, Yeah. Yeah. but just, yeah, We're Yeah. Yeah. Basically. So it is making kind of somewhere in the middle where you are wanting to grow it your superannuation, while you do have plenty of time exactly like you said. bigger. I'm also comfortable seeing a bit of short term fluctuations Mhmm. in order to try and grow that. When we are talking about an asset allocation, now what I will actually get you to do is if you can access your emails for me, there is a graph that is included that usually goes really good when we are talking about this. Did that email come through okay? Yeah. Which one am I, Yep. I think? So before you click on the link where it says sign now, you should have a couple of attachments at the bottom Yep. of the email. Yep. So it's the 2025 Vanguard index chart. Okay. Yeah. What can I add now? Yep. Perfect. Now you might have seen something like this before, but it is kind of a good visual representation of what we are typically talking about when we're talking about the market. And this kind of gives us a a good overview in a bit more long term position because it shows you from 1995 through to 2025. But you can basically see here that over the long term, market always goes up. The short term, Mhmm. depending on what is going on in the world, there will be ups and downs and market fluctuations. So when we are talking about a growth portfolio, we do typically see 80% invested in your top four. So you'll have your US shares, Australian shares, international shares, and property. Now as you can kind of see in front of you, these are the ones that do grow the most, but they also fluctuate the most. Mhmm. Yep. And then you do have about 20% in the bottom three, so your defensive investments. And as you can see, they are a bit more steady to tryna, you know, minimize those fluctuations a little bit. So it's Yep. about an eighty twenty split. Now when it comes to a time frame, so we also wanna make sure that you have enough time in the market like you touched on for those fluctuations. So if you wanted to retire tomorrow, we don't want you in a high risk position where you will potentially see a bit of a drop. So in a growth portfolio, typically, we want to allow about six years until retirement. Okay. So you do certainly have the the time behind you. Now just so that you know as well kind of on the scale of the risk profile, it is kind of kind of somewhere in the middle. So we typically have your aggressive plus, which is super risky investment, people wanting to borrow debt and that kind of stuff. You have aggressive, high growth, then growth, which is where we are at the moment for you. And then you have your balance growth and a balance. So you kind of typically tape it down to balance balance growth the closer you get through the retirement. Okay. Yep. I know you said you wanted to kind of maximize that growth. Are you still happy with a growth portfolio, or would you want to take on a little bit more fluctuations to try not to grow things, or how are you feeling at the moment? Yeah. We could probably shift to a higher growth. Yep. So what I can do is as part of the research, I'll look at the different investment portfolios. I'll see fees and, obviously, returns and also if there's any capital gains tax. Mhmm. And I'll put a proposal together for you along with the salary sacrifice, and then you can kind of see what you would like to do. And just for your reference, a high growth portfolio, we wanna say eight years to retirement. So, again, Yep. Okay. time frame wise, you certainly have that behind you. And, typically, even with with clients in a similar age to you, we do see in a high growth if they are comfortable. But at the same time, I do have seven year olds who are super comfortable but high risk, but then I also have 20 year olds who want the balance. So it also comes down to what you are comfortable with at the same time. Yep. Okay. Alright.","start_word":2486,"end_word":3307,"sentiment":"neutral","sentiment_score":0.08645310238402545},{"text":"So happy to have a look at your high growth.","start_word":3308,"end_word":3317,"sentiment":"positive","sentiment_score":0.5782161951065063},{"text":"Yes. Yep.","start_word":3318,"end_word":3319,"sentiment":"neutral","sentiment_score":0.21866078674793243},{"text":"Perfect.","start_word":3320,"end_word":3320,"sentiment":"positive","sentiment_score":0.45498162508010864},{"text":"Now the next document while we are in the email set, is that a twelve month performance report? Okay. What have It we got? says Twelve month it hub says 24. Is that Yes. the one? Perfect. Yep. If you can open that one for me. Yep. Yep.","start_word":3321,"end_word":3368,"sentiment":"neutral","sentiment_score":0.10357849299907684},{"text":"Perfect.","start_word":3369,"end_word":3369,"sentiment":"positive","sentiment_score":0.3573635518550873},{"text":"Now this one here shows you all your investments and how they have performed and what's happened in the last twelve months after Mhmm. fees. So overall, kind of like I touched on, we have seen a bit of fluctuations in the market in the last twelve months. But despite all of that, though, your portfolio has still held up pretty good.","start_word":3370,"end_word":3431,"sentiment":"neutral","sentiment_score":0.16000117361545563},{"text":"So after fees, in the last twelve months, your portfolio is still up by 8.76%, which we're really happy with given all the market conditions and the fluctuations that we have seen.","start_word":3432,"end_word":3463,"sentiment":"positive","sentiment_score":0.46666860580444336},{"text":"Any questions so far? Nope. Nope. Perfect. Now with your investments as well, I do wanna have a bit of a bit of a look at, especially, you've been along Australian equity, your your top one there. Yep. Now when Mhmm. you look at the second column to the right, that's all the return on the investment, so all of them. Now what's in bracket is what's down at the moment, Mhmm. and then the other ones are up. So you can see that, typically, your overall, some have done crazy, some is a bit more stable, and, obviously, there's a bit of fluctuation.","start_word":3464,"end_word":3567,"sentiment":"neutral","sentiment_score":0.1346791787789418},{"text":"So how would you design your portfolio as well is that we want to make sure it is very diversified.","start_word":3568,"end_word":3587,"sentiment":"positive","sentiment_score":0.40801405906677246},{"text":"We do have you in different industries and different markets.","start_word":3588,"end_word":3597,"sentiment":"neutral","sentiment_score":0.2960975766181946},{"text":"So if one market's doing really good, it kind of then help balance things out.","start_word":3598,"end_word":3612,"sentiment":"positive","sentiment_score":0.4392929971218109},{"text":"Because if you put everything in one section, it could make it really, really good one year and then be really down another.","start_word":3613,"end_word":3635,"sentiment":"neutral","sentiment_score":0.13132429122924805},{"text":"So we do wanna obviously smooth things out and diversify things for you.","start_word":3636,"end_word":3648,"sentiment":"positive","sentiment_score":0.49561870098114014},{"text":"But at the same time, because we do research on the investments all the time, if we perceive one investment being a little bit underperforming at the moment or being a little bit slower, we do wanna look at potentially changing anything if need be because things are always changing, and it is important to keep reviewing it.","start_word":3649,"end_word":3706,"sentiment":"neutral","sentiment_score":-0.13027633726596832},{"text":"So at the end of the day, we do have you in the best options possible for you and your retirement.","start_word":3707,"end_word":3727,"sentiment":"positive","sentiment_score":0.4996885359287262},{"text":"Okay. So for the Bennelong, I do want to do a bit more research on that one and look at potentially changing it to another alternative because they have been a little bit slower more recently with making the investment choices. Now the function of the Benelon, it is a managed fund, so it is a little bit different to your other ETF. And the purpose is to actively buy and sell different investments in order to try to outperform the market. Now because of that, it can be a little bit more expensive, and, usually, it does pay out where if you are paying a little bit more and they do the active management, the returns comes with it, which is what they have been doing, and that was why they were added to your portfolio.","start_word":3728,"end_word":3864,"sentiment":"neutral","sentiment_score":0.04384871944785118},{"text":"But like I said, more recently, they've been a little bit slower in making their investment choices.","start_word":3865,"end_word":3881,"sentiment":"negative","sentiment_score":-0.35079193115234375},{"text":"And right now, we do foresee that there are better options out there that we would like to look at changing it. So while I'm looking at your high growth portfolio and salary sacrifice, I'll do a bit more deep dive into the investments just to see if there's anything we wanna potentially change to have you better positioned for the future. Does that make sense? Yep. That does. Yep. Yep.","start_word":3882,"end_word":3952,"sentiment":"neutral","sentiment_score":0.07053384155979459},{"text":"Perfect.","start_word":3953,"end_word":3953,"sentiment":"positive","sentiment_score":0.5082598924636841},{"text":"Now the next documents, can you see does it say certificate of currency? Yep. Got that one. Yep.","start_word":3954,"end_word":3971,"sentiment":"neutral","sentiment_score":0.1088203191757202},{"text":"Perfect.","start_word":3972,"end_word":3972,"sentiment":"positive","sentiment_score":0.482679545879364},{"text":"Now that one here breaks down your current insurances with Clearview. Basically, let you know that's all paid and up to date. But if you can actually get out of this one and then go to the bottom where it should say super and insurance summary, that one kind of outlines it a bit easier often if you can have a look at that. Yes. Look at that. Yeah.","start_word":3973,"end_word":4041,"sentiment":"neutral","sentiment_score":0.1875033974647522},{"text":"Perfect.","start_word":4042,"end_word":4042,"sentiment":"positive","sentiment_score":0.43555688858032227},{"text":"So that one here shows you that you have your super with hub twenty four, and you do have about 154,627. Now I do actually wanna triple check as well because I know you have gone through, a separation recently. Do you know if anything with your super is changing? No. We've already done we've already done the withdrawal there. Right? So Sweet. I sent Perfect. money across from that. Yep. Everything everything That there is done. They're all everything's That's complete. all sorted. Okay.","start_word":4043,"end_word":4127,"sentiment":"neutral","sentiment_score":0.11626678705215454},{"text":"Perfect.","start_word":4128,"end_word":4128,"sentiment":"positive","sentiment_score":0.3740566372871399},{"text":"Just so I don't make strategies based on what you have if there's anything more that's coming out or anything like that.","start_word":4129,"end_word":4150,"sentiment":"neutral","sentiment_score":0.13846880197525024},{"text":"So that is good.","start_word":4151,"end_word":4154,"sentiment":"positive","sentiment_score":0.4263725280761719},{"text":"Now with your insurances as well. So you have insurances with ClearView. You have life and total permanent disability of about 838,000. Now, obviously, because of change in circumstances, are you still happy with that level of cover when it comes to life and TPD, or do you want to make any changes, or what are your thoughts on the insurances? I think that's fine.","start_word":4155,"end_word":4219,"sentiment":"neutral","sentiment_score":0.08969152718782425},{"text":"That's fine.","start_word":4220,"end_word":4221,"sentiment":"positive","sentiment_score":0.4279143512248993},{"text":"Yep. And it will still obviously cover the mortgage if something were to happen to you or if you're unable to go back to work, then you don't have the mortgage to worry about. And it would still also provide lump sum covering your income or leaving it through whoever you want to leave it through, whether that be your children or whoever if Yep.","start_word":4222,"end_word":4286,"sentiment":"neutral","sentiment_score":0.26487360504957347},{"text":"something do were to happen to you. And it's quite affordable as well. And you do also have an income protection policy, and that is paying a monthly amount of $6,125 per month.","start_word":4287,"end_word":4319,"sentiment":"positive","sentiment_score":0.47146570682525635},{"text":"You have a thirty day waiting period and a five year benefit period. All three paid from within superannuation. You do get a tax rebate. So after that, it is 1,437.","start_word":4320,"end_word":4350,"sentiment":"neutral","sentiment_score":0.2834898829460144},{"text":"Are you happy with your income protection as well?","start_word":4351,"end_word":4359,"sentiment":"positive","sentiment_score":0.4233165681362152},{"text":"Yep. Yep.","start_word":4360,"end_word":4361,"sentiment":"neutral","sentiment_score":0.18850260972976685},{"text":"Perfect.","start_word":4362,"end_word":4362,"sentiment":"positive","sentiment_score":0.4877055287361145},{"text":"Now if you wanna get out of that one for me, you should then see the last two documents, which is your financial services guide version four and then Oakview services guide version one. Can you see Yes. those? Yep. Perfect. So if you wanna open let me just see here. The second one. So the Oakview services guide version one. Now I'll Mhmm. let you have a read over the version four by yourself. It is just a smaller version, essentially, of the big one. Okay. Now you would have seen this one plenty of times before. We do send it to you every time at annual review time. It is one of those compliance documents. It does give you all the important information in regards to us. None of the important information has changed, but we've had a bit of an update on marketing. So as you scroll through, you might see a bit of an updated photos of the team and everything like that. Mhmm. You will see all the directors, the advices as well. And as you do scroll through on page nine, you will see myself as well if you do wanna put a face to the board.","start_word":4363,"end_word":4565,"sentiment":"neutral","sentiment_score":0.10265636444091795},{"text":"The page numbers are nice and consistent.","start_word":4566,"end_word":4572,"sentiment":"positive","sentiment_score":0.3363061547279358},{"text":"This this is six seven No. eight That's okay. nine. Or it might be 10, actually. I'm right next to Dana. Yep. There you are. Yep. Gotcha. Yep.","start_word":4573,"end_word":4600,"sentiment":"neutral","sentiment_score":0.03498995304107666},{"text":"Perfect. So sometimes it is nice to see who you're talking to as well when we're doing things over the phone.","start_word":4601,"end_word":4621,"sentiment":"positive","sentiment_score":0.3771201968193054},{"text":"And that was essentially all of those documents. Now if you are happy to do so, if you press the link where it says sign now, it will ask Mhmm. you to sign two documents. Now one of them is your ongoing service agreement. Actually, I think you might only have one because I think you've signed the other one before. Can you only see one document? Yep.","start_word":4622,"end_word":4689,"sentiment":"neutral","sentiment_score":0.056818850338459015},{"text":"Perfect.","start_word":4690,"end_word":4690,"sentiment":"positive","sentiment_score":0.4199398458003998},{"text":"The other one was just a tax file number declaration, which you must have signed last time.","start_word":4691,"end_word":4707,"sentiment":"neutral","sentiment_score":0.19438858330249784},{"text":"So this is just your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":4708,"end_word":4731,"sentiment":"positive","sentiment_score":0.42141544818878174},{"text":"Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But this essentially lets us service your account and manage all your investments and everything like that for you in the meantime. Okay. Yep. So if you're happy to do so, it will ask you just to add a signature and a date. It should then say validate. And when you Yep. press Doing validate, its thing it now. should, yeah, Yep. it should Done. then send it back to me. Yep.","start_word":4732,"end_word":4857,"sentiment":"neutral","sentiment_score":0.1338888704776764},{"text":"Perfect. That's exactly good. I've got all of that through.","start_word":4858,"end_word":4867,"sentiment":"positive","sentiment_score":0.5723762512207031},{"text":"Now let me just see if there was anything else I needed to confirm while I do have you on the phone. I know you kinda went through a bit of a fact find back in February, I think. Is there anything else that has changed in your personal situation that we haven't gone over otherwise? No. No. Okay. Perfect. And I guess when it comes to goals, the stuff that you are working towards, we're obviously planning a little bit for retirement, a bit of salary sacrifice for you. Otherwise, I have here the last time we spoke, your main focus was just to kind of pay down the mortgage otherwise. Is that still kind of the the goal for you? Yeah. Yep. I might Perfect. need to look at buying a car in what is it? Yeah. Four four years or so. My my Okay. son turns 18 and Yeah. and Upgrade in the car and then my mortgage. Is there anything else my that you're kind of working current to towards one. or anything? Not at this time. That's No. the main okay.","start_word":4868,"end_word":5053,"sentiment":"neutral","sentiment_score":0.05828748900763771},{"text":"Perfect. Now that was essentially everything that I needed to touch base from my end with you.","start_word":5054,"end_word":5070,"sentiment":"positive","sentiment_score":0.46404385566711426},{"text":"Do you have any other questions, or was there anything else that you wanted to discuss and talk about today? No. I'm good. No? Okay.","start_word":5071,"end_word":5095,"sentiment":"neutral","sentiment_score":0.16781602799892426},{"text":"Perfect.","start_word":5096,"end_word":5096,"sentiment":"positive","sentiment_score":0.4421038627624512},{"text":"So what I'll do is while I do have you on the phone, I'll book in a time for us to go through the research, so with your salary sacrifice and the investments and stuff for you. Now it will take me about a week or so to put together all the research. Mhmm. Now I am fully booked next week already, but the following week after that, so the twenty fifth through the May 29, Do you have any time during that week that works best for you? Hang on. Twenty fifth to May 29. Is Monday there any or particular Tuesday, day? Monday fine. or Tuesday? Okay. Let me have a look. Now I could do either Monday the twenty fifth at 01:30, or I could do Tuesday, the twenty sixth at 4PM. Would either of those times work? Monday at 01:30 would work. Monday, 01:30. Okay.","start_word":5097,"end_word":5245,"sentiment":"neutral","sentiment_score":0.1165722757577896},{"text":"Perfect. Nice and easy now on the same time frame as well, especially because we do have clients all around Australia.","start_word":5246,"end_word":5266,"sentiment":"positive","sentiment_score":0.3696877658367157},{"text":"And with the different time zones, it goes gets a bit crazy at times. So that is all booked in on Monday, May 25 at 01:30PM. I will give you a call, and I will if you do have access to your emails at the same time as well, I'll send you the proposal, and we can go through it together. And then we can see what you wanna do and take it from there. Yep. Okay. K.","start_word":5267,"end_word":5344,"sentiment":"neutral","sentiment_score":0.17462386190891266},{"text":"Perfect.","start_word":5345,"end_word":5345,"sentiment":"positive","sentiment_score":0.4410876035690307},{"text":"Now was there anything else I can help you with before I let you go, and enjoy the rest of your day otherwise, Ellen? Nope. That's it. Perfect. Would you like a reminder text sent two hours before the appointment in case something comes up? Yes, please. Yep.","start_word":5346,"end_word":5393,"sentiment":"neutral","sentiment_score":0.20889717216293016},{"text":"Yep. Perfect.","start_word":5394,"end_word":5395,"sentiment":"positive","sentiment_score":0.5568743944168091},{"text":"Actually, one thing I do know here as well on the account, it looks like we haven't received your hub 24 and your ClearView beneficiary forms back. So that is if Okay. something were to happen to you who you want to nominate. I don't Do about you it. Did they like, did they new ones? Or did they need to do new ones? Or if you still have them, but if not, I can always because get the team I swear just I've to sent either it to you guys several times now. do you have access to a printer? Yeah. Okay. Because what I can do is just because sometimes with Australia Post, especially if you have done it before, it can get a bit frustrating. What I can do, if you do have access to a printer, I can get the team to email it to you. Yep. That way, when you still just have to print it and sign it, unless you do have no. You would have sent them through. Otherwise, just scan it. And then if it's in an email, it's there, and then we can definitely see it. Yep. Yep. And do you know who you would like to nominate? This time, not sure. No. Okay. If you do wanna talk about it or if you have any questions, let me know. Because when it comes to Mhmm. nominations as well, there are some restrictions on who you can actually nominate directly through your superannuation. Mhmm. So for direct nomination, it has to be a spouse, a child, or someone who you are in a financial dependent or interdependent relationship with, Okay. or you can nominate a lawyer. So if you do Mhmm. go through the will, then, obviously, through the will, you can nominate whoever you want. Okay. There are different tax consequences with the different scenarios as well. So if it is that you have a think about it and when we do speak on the twenty fifth, you want to check anything with me, just let me know. Mhmm. If not, otherwise, I'll leave that to you. I'll keep a lookout for that email to come back as well. So it will be my team who will email them to you.","start_word":5396,"end_word":5776,"sentiment":"neutral","sentiment_score":0.05032726072185621},{"text":"Yep. And then that way, we do have it in the inbox, and you won't have to do it a third or fourth time. Perfect. Well, I will let you go, and I look forward to speaking with you on Monday, the twenty fifth.","start_word":5777,"end_word":5820,"sentiment":"positive","sentiment_score":0.518913209438324},{"text":"Okay.","start_word":5821,"end_word":5821,"sentiment":"neutral","sentiment_score":0.32628747820854187},{"text":"No worries. Alright. See you later. No no problem. We'll speak soon.","start_word":5822,"end_word":5833,"sentiment":"positive","sentiment_score":0.4326251149177551},{"text":"Bye. Bye.","start_word":5834,"end_word":5835,"sentiment":"neutral","sentiment_score":0.22062766551971436}],"average":{"sentiment":"neutral","sentiment_score":0.09306936125717977}}}}