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I'm just giving you a call to go through your annual review. Perfect. Before I get started, are you okay for this call to be recorded? Amazing. I have an annual review pack that I'm gonna get emailed out to you. Just because we are dealing with your personal information, I just wanna let you know that I'm registered with ASIC as adviser 1273105. For your security, could you please confirm your date of birth and address? Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review. I've got your email address for Jojo6754@Gmail. Are you okay for me to shoot that through to that email address? Amazing. Will you be able to look onto the email with me today, or should I kind of just walk you through what's there? Yep. That'd be great. If you can pull that up when you're ready. It is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant. Amazing. And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments. The link itself is to an ongoing service agreement. But before we get into that, is there anything in particular you're hoping to get out of this year's review? Yeah. Absolutely. Just a bit of a general update on how it's tracking given everything that's going on in the world. Fantastic. So I'll jump into that first. I've got your hub open today. So whenever I do a review, I just get your details up for the day so I've got the most up to date balance. Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super. So that's where your contributions are going. Does that ring a bell? Amazing. Performance has actually been very, very good. You're in a, like, a growth portfolio. Do you remember that you're in that growth risk profile, that sort of four out of five on the risk scale? Does that ring a bell? Cool. So, again, primarily focused on long term growth. Obviously, you're getting closer to retirement, so we do need to be careful of when to when to protect it because we don't want you to be in growth at 66, and then you lose half your silver. Do you know what I mean? Yep. So the performance, I always give you, like, a net return after fees, which is where it's actually finalized. So your net performance is 12.44%, which is quite a while above that usual nine to 10% benchmark that we're aiming for. So I think it's had about $25,000 worth of growth well and above your contributions, which are going into, like, Australian Super. Amazing. Going through all of the options, you've got about seven actually, no. We've got you on quite a few different options. You've got a mixture of gold and silver mixed into your portfolio as well. Most of those satellite options have just gone insane. You've had a 117% growth in your battery tech and lithium, which is kind of like electric vehicles, green energy type stuff. Gold's up. Silver's up a 101%. Your Asian shares up 64%. Everything's really kind of knocked it out of the park. You only have one option that's gone in the negative, which is your Australian shares went down about 15%. So everything else was quite strong. I do wanna keep an eye on this one if you're comfortable because I have noticed that this spend a long option that you're in has kind of underperformed a little bit compared to the other Australian shares options that are out there. So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune. If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up. Is that okay? What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do. Can I ask you one quick question? And there's no wrong answers for this. If you had to choose between low fees or paying a bit extra to try and get higher performance, which way does your gut feeling lean towards? So if we go for, like, a passive index fund that follows the market very closely, I can replace that then along with one that's about a tenth of the cost in fees and very, very good performance, or I can replace it with another active option, which is about the same cost, but much better performance. I've got some good ones in the back pocket for either way. It's really just about a style that you might find comfortable. That's okay. And the reason why I asked that question is because sometimes when someone's in one style and I explain the difference between the two, they have a very strong reaction going, oh my god. No. I don't want that at all. I definitely want the other one. If you don't feel that strongly about it, I can just keep the same style and just get an improved option. If it's working well, I can just kind of upgrade it a little bit. Yep. Easy done. So the way I would explain it just for your own reference is you're currently in a bit of a mix between the two. Most of your super is in low fee. You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker. We call them satellite options. We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme. Because if I put all your eggs in one basket, you might be at a 191,000 today. In a year's time, you might be at 95,000 and then 300,000 the next year. It's just very extreme, not what you need for a safe retirement. Okay? Alrighty. So do a bit of an update there. Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active? Yes. I've got a bit of an updated statement from them. It's been doing okay. I think more towards the sort of eight or 9% range. It's a little bit in a safer option. It's not really geared for that sort of big growth, which we kind of want it to stay in a bit of a safer option. So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes sense. So the way that affects this is let's say we go into recession. Every let let's use history as a bit of an example. Every seven years, there's some sort of crash. Right? You've got the stock market grows, grows, grows, and then you've got the global financial crisis. You've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months. That's usually what happens in a big crash. Okay? So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we haven't put you in high risk. So what we're kind of thinking of doing is now that the stock market's already gone down a bunch is we can use it as a bit of a buying opportunity. So all these shares and gold and properties have gone down a bit. Now we can move some safer money into it to kind of buy low so we can sell high later on when you're close to retirement. That's the usual strategy for around about seven years. But once we've built you up closer to what you need for your retirement goal, we then have to reduce your risk down because growth is usually recommended if you've got at least seven to nine years until retirement. In that last seven years, we need to slowly reduce you from 80% shares and property to seventy, sixty, fifty, forty so that you can have a nice, safe pension account when you're 67. Does that make sense? So what I'm kind of asking you is, are you okay to still do that strategy of buying in now? And then as you get closer, reduce the risk? Because that's kind of what we're aiming for. Okay? Now we're not gonna touch or move anything because I'm still gonna put together an updated advice document. In there, I will show you the new option I'm thinking of adding to your hub 24, and I'll also do that updated comparison between your hub and your Australian super for you. Okay? So you don't have to sort of decide anything now. I'm just kind of gauging strategy with you. And then once I put that together over the fortnight, we'll go back together and have a look at this document together. Okay? While I'm on the subject of the super, your assets and liabilities and your income's all been updated when the team booked you in. I just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine? Uh-huh. Mhmm. Until that cache gets used. Okay. And when you mentioned the redraw before, are you using a redraw facility or an offset account? Okay. So you got a 100,000 owing, and is the redraw about, like, 90,000 ish? Or 85. Oh, no. I spent 10 on plumbing a couple of years ago. Tree roots were growing into them. I had to replace it all underground. Right. Right. So the notes I've got here was that you were focusing on the the front yard, the kitchen, and eventually a veranda. Is that still the main renovation topics? Mhmm. Yeah. No. I'm totally there for that. So what we can do instead is you've got a lot to focus on on the property side of things and finishing off the mortgage. So we'll just focus on growing your super as much as we can. Once you hit 60, we might revisit things like transition to retirement strategies or a TTR. Have you heard of that before? So it's something that we can do where if your cash flow is tied up in other things is when you hit 60, you can access 10% of your super. And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67. So that's something that we can come back to in two years' time, and that'll help you sort of fast track your super a little bit. K. So for now, we can just grow up for the next couple of years. Once you hit 60, we might reduce the risk level down a peg and then start doing some extra strategies. How's that sound? Awesome. So in the meantime, let me just quickly double check with your Australian super. I do apologize. It is still loading up again. Every time I switch between your screen, it wants to pause for a second. We've got so you've got Matthew and James split between fifty fifty beneficiaries on your Australian super and your hub 24. Just double checking you're still okay for those. Amazing. Did you put in place a will or a power of attorney? Okay. No. I know. It's just one of the things where I'm I'm assuming Matthew and James, they're both adult children. Yep. So it the the thing with wills and power of attorney is it just makes it a little bit easier and quicker for things outside of the super because the super is quite direct. Power of attorney is kind of handy because if you're in hospital and can't act on your own behalf, people can kind of access the bank accounts to make sure the mortgage stays paid. They can talk to the doctors. Otherwise, they may have to go to the courts and and sue for probate, and that can take some time. So I just wanted to give you that reminder that it might be handy even if you did, like, a $25 kit from the post office. Rather than going through all the rigmarole with solicitors, if you want something simple, there's some options there for you. Cool. With the insurances, just quickly, I know that with some, like, health concerns and age, we're not trying to get your big bulk of insurance because it might cost $10,000 or something crazy like that. So I just wanted to double check. We've got a little bit of life and TPD cover. Right? Life and total disability. That's your 15,000 and your 6,000. Income protection is in there. So 2,800 a month worth of income protection. If you're out of work for more than sixty days, it'll pay you monthly for up to five years if you're out of work for that long. And it's only costing it's only for health and injury. Yeah. It was one of those funny things. I I get that question all the time about, like, redundancies and that kind of thing. And because of settling, they don't like the competition. Unemployment insurance is illegal in Australia, technically. Yeah. Unless you're in some fancy contract job with a mining company, and then they'll pay you for anything, but you need those perks. $507 per year. So the premiums aren't too expensive. So are you okay to keep that cover still in place even though it slowly reduces over time? Yep. And at some point, if they tend to, like, cancel with age or they become not appropriate, we can always consolidate the super towards the end when we transition into pension phase and put it all into one pension account. But it's probably nice to just keep something there even if it's not very expensive just for a few years in case you need it. K? I did wanna ask a question just because it is important to ask. Are you wanting me to try and obtain new or additional insurances, or are you comfortable just kind of keep what you've got? Yeah. Yeah. Yep. So I will leave those ones alone for the time being. That's all good. So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market. And then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution strategies. Sound good? Cool. Now the only thing there is if you still have that email open, we've sent you there's a number of attachments. So it's got your performance and your summary. There's a financial services guide with our updated licensing information and, like, complaints procedure, areas of advice that we can give, as well as an overview services guide with all the pictures of the team and get to know your team kind of thing. There is a an updated service agreement in there as well because your service agreement is set to expire in a couple of months. So I wanted to ask you, Josephine, are you still comfortable for us to look after your super? Perfect. So I believe you are on the 1.65% standard fee at the moment. It does cap when you hit 600,000 because we do get clients that kind of get up above that million dollar mark and so on. So we do put a bit of a limit. Yeah. Look. It's it'll be a bit of a little bit of a stretch. Though saying that, and I'm not trying to predict the world or give you promises I can't keep because I don't like overpromising. Seven years, it is possible to kind of double. If you get good returns, good contributions, and good strategies, it's possible to double in seven. I am gonna give you an updated retirement projection. Since you're less than ten years away, I'm gonna sort of show you what it's looking like. Okay? So that will be in the statement of advice as well. It'll probably take me a couple of weeks just to go through a bit of updated research, and then the team will call you to book in, and we can run through that document together. Awesome. Now when you go through the signature link on that Odoo sign, if you can please see if it will let you draw a signature, that's usually best for most super funds. They don't really like the typed in ones that much. So can you let me know if that pops up and if you've got a bit of a button there to draw on it? I don't know if you're using a phone or a computer. Sometimes it can be a bit funky as the finger or the mouse. The order, it should let you jump in without having to set up an account. But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures? I'm still getting used to the system a little bit myself. It's kind of custom built for us. It's brilliant. Does so many cool things, but it's very, very new for us. So I'm still getting used to it. Sign up or download. That's not what I usually see on there. So that was so there would have been a link in that Odoo email, and it popped you onto a website. It's asking you to sign up or download. Does that mean that you've already signed it and it's asking you to download a signed copy? Or let me let me have a quick look on my section here. Maybe you've skipped ahead. Let me have a quick look. I'll go into the sign here. You did. No. That's okay. So you have you've hit the approve. It's kind of stamped a signature on there. That download button is so you can download a signed copy for your own record. So if that's handy for you, that would be nice. No. That's okay. I think it should be fine. Hub's usually pretty good with it. Some providers, they like a bit of a, like, even wet sign signatures still these days. When we do Australian Subaru, I'll make sure the team checks what they do and don't accept. Awesome, Josephine. It's been an absolute pleasure today. Do you have any questions for me? Perfect. So I will go away in the background with my team and do all the research and put that document together. You will hear from us in a fortnight to book in to go through that because I'm going on paternity leave in June with my my third. I've got a daughter on the way now for the two boys. So I'm very excited, but I wanna make sure I get everything sorted for you before I go. Awesome, Joe. You have a fantastic day. I'll shoot you off the usual satisfaction link if you're happy with today's review, and I shall talk to you in a couple of weeks. Thanks, Joe. 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ood afternoon, Josephine. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing absolutely fantastic. Thank you for asking.\n\nI'm just giving you a call to go through your annual review. Perfect. Before I get started, are you okay for this call to be recorded? Amazing. I have an annual review pack that I'm gonna get emailed out to you.\n\nJust because we are dealing with your personal information, I just wanna let you know that I'm registered with ASIC as adviser 1273105. For your security, could you please confirm your date of birth and address? Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review. I've got your email address for Jojo6754@Gmail. Are you okay for me to shoot that through to that email address?\n\nAmazing. Will you be able to look onto the email with me today, or should I kind of just walk you through what's there? Yep. That'd be great. If you can pull that up when you're ready.\n\nIt is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant. Amazing. And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments. The link itself is to an ongoing service agreement. But before we get into that, is there anything in particular you're hoping to get out of this year's review?\n\nYeah. Absolutely. Just a bit of a general update on how it's tracking given everything that's going on in the world. Fantastic. So I'll jump into that first.\n\nI've got your hub open today. So whenever I do a review, I just get your details up for the day so I've got the most up to date balance. Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super. So that's where your contributions are going. Does that ring a bell?\n\nAmazing. Performance has actually been very, very good. You're in a, like, a growth portfolio. Do you remember that you're in that growth risk profile, that sort of four out of five on the risk scale? Does that ring a bell?\n\nCool. So, again, primarily focused on long term growth. Obviously, you're getting closer to retirement, so we do need to be careful of when to when to protect it because we don't want you to be in growth at 66, and then you lose half your silver. Do you know what I mean? Yep.\n\nSo the performance, I always give you, like, a net return after fees, which is where it's actually finalized. So your net performance is 12.44%, which is quite a while above that usual nine to 10% benchmark that we're aiming for. So I think it's had about $25,000 worth of growth well and above your contributions, which are going into, like, Australian Super. Amazing. Going through all of the options, you've got about seven actually, no.\n\nWe've got you on quite a few different options. You've got a mixture of gold and silver mixed into your portfolio as well. Most of those satellite options have just gone insane. You've had a 117% growth in your battery tech and lithium, which is kind of like electric vehicles, green energy type stuff. Gold's up.\n\nSilver's up a 101%. Your Asian shares up 64%. Everything's really kind of knocked it out of the park. You only have one option that's gone in the negative, which is your Australian shares went down about 15%. So everything else was quite strong.\n\nI do wanna keep an eye on this one if you're comfortable because I have noticed that this spend a long option that you're in has kind of underperformed a little bit compared to the other Australian shares options that are out there. So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune. If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up. Is that okay? What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do.\n\nCan I ask you one quick question? And there's no wrong answers for this. If you had to choose between low fees or paying a bit extra to try and get higher performance, which way does your gut feeling lean towards? So if we go for, like, a passive index fund that follows the market very closely, I can replace that then along with one that's about a tenth of the cost in fees and very, very good performance, or I can replace it with another active option, which is about the same cost, but much better performance. I've got some good ones in the back pocket for either way.\n\nIt's really just about a style that you might find comfortable. That's okay. And the reason why I asked that question is because sometimes when someone's in one style and I explain the difference between the two, they have a very strong reaction going, oh my god. No. I don't want that at all.\n\nI definitely want the other one. If you don't feel that strongly about it, I can just keep the same style and just get an improved option. If it's working well, I can just kind of upgrade it a little bit. Yep. Easy done.\n\nSo the way I would explain it just for your own reference is you're currently in a bit of a mix between the two. Most of your super is in low fee. You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker. We call them satellite options. We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme.\n\nBecause if I put all your eggs in one basket, you might be at a 191,000 today. In a year's time, you might be at 95,000 and then 300,000 the next year. It's just very extreme, not what you need for a safe retirement. Okay? Alrighty.\n\nSo do a bit of an update there. Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active? Yes. I've got a bit of an updated statement from them. It's been doing okay.\n\nI think more towards the sort of eight or 9% range. It's a little bit in a safer option. It's not really geared for that sort of big growth, which we kind of want it to stay in a bit of a safer option. So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes sense. So the way that affects this is let's say we go into recession.\n\nEvery let let's use history as a bit of an example. Every seven years, there's some sort of crash. Right? You've got the stock market grows, grows, grows, and then you've got the global financial crisis. You've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months.\n\nThat's usually what happens in a big crash. Okay? So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we haven't put you in high risk. So what we're kind of thinking of doing is now that the stock market's already gone down a bunch is we can use it as a bit of a buying opportunity. So all these shares and gold and properties have gone down a bit.\n\nNow we can move some safer money into it to kind of buy low so we can sell high later on when you're close to retirement. That's the usual strategy for around about seven years. But once we've built you up closer to what you need for your retirement goal, we then have to reduce your risk down because growth is usually recommended if you've got at least seven to nine years until retirement. In that last seven years, we need to slowly reduce you from 80% shares and property to seventy, sixty, fifty, forty so that you can have a nice, safe pension account when you're 67. Does that make sense?\n\nSo what I'm kind of asking you is, are you okay to still do that strategy of buying in now? And then as you get closer, reduce the risk? Because that's kind of what we're aiming for. Okay? Now we're not gonna touch or move anything because I'm still gonna put together an updated advice document.\n\nIn there, I will show you the new option I'm thinking of adding to your hub 24, and I'll also do that updated comparison between your hub and your Australian super for you. Okay? So you don't have to sort of decide anything now. I'm just kind of gauging strategy with you. And then once I put that together over the fortnight, we'll go back together and have a look at this document together.\n\nOkay? While I'm on the subject of the super, your assets and liabilities and your income's all been updated when the team booked you in. I just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine? Uh-huh. Mhmm.\n\nUntil that cache gets used. Okay. And when you mentioned the redraw before, are you using a redraw facility or an offset account? Okay. So you got a 100,000 owing, and is the redraw about, like, 90,000 ish?\n\nOr 85. Oh, no. I spent 10 on plumbing a couple of years ago. Tree roots were growing into them. I had to replace it all underground.\n\nRight. Right. So the notes I've got here was that you were focusing on the the front yard, the kitchen, and eventually a veranda. Is that still the main renovation topics? Mhmm.\n\nYeah. No. I'm totally there for that. So what we can do instead is you've got a lot to focus on on the property side of things and finishing off the mortgage. So we'll just focus on growing your super as much as we can.\n\nOnce you hit 60, we might revisit things like transition to retirement strategies or a TTR. Have you heard of that before? So it's something that we can do where if your cash flow is tied up in other things is when you hit 60, you can access 10% of your super. And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67. So that's something that we can come back to in two years' time, and that'll help you sort of fast track your super a little bit.\n\nK. So for now, we can just grow up for the next couple of years. Once you hit 60, we might reduce the risk level down a peg and then start doing some extra strategies. How's that sound? Awesome.\n\nSo in the meantime, let me just quickly double check with your Australian super. I do apologize. It is still loading up again. Every time I switch between your screen, it wants to pause for a second. We've got so you've got Matthew and James split between fifty fifty beneficiaries on your Australian super and your hub 24.\n\nJust double checking you're still okay for those. Amazing. Did you put in place a will or a power of attorney? Okay. No.\n\nI know. It's just one of the things where I'm I'm assuming Matthew and James, they're both adult children. Yep. So it the the thing with wills and power of attorney is it just makes it a little bit easier and quicker for things outside of the super because the super is quite direct. Power of attorney is kind of handy because if you're in hospital and can't act on your own behalf, people can kind of access the bank accounts to make sure the mortgage stays paid.\n\nThey can talk to the doctors. Otherwise, they may have to go to the courts and and sue for probate, and that can take some time. So I just wanted to give you that reminder that it might be handy even if you did, like, a $25 kit from the post office. Rather than going through all the rigmarole with solicitors, if you want something simple, there's some options there for you. Cool.\n\nWith the insurances, just quickly, I know that with some, like, health concerns and age, we're not trying to get your big bulk of insurance because it might cost $10,000 or something crazy like that. So I just wanted to double check. We've got a little bit of life and TPD cover. Right? Life and total disability.\n\nThat's your 15,000 and your 6,000. Income protection is in there. So 2,800 a month worth of income protection. If you're out of work for more than sixty days, it'll pay you monthly for up to five years if you're out of work for that long. And it's only costing it's only for health and injury.\n\nYeah. It was one of those funny things. I I get that question all the time about, like, redundancies and that kind of thing. And because of settling, they don't like the competition. Unemployment insurance is illegal in Australia, technically.\n\nYeah. Unless you're in some fancy contract job with a mining company, and then they'll pay you for anything, but you need those perks. $507 per year. So the premiums aren't too expensive. So are you okay to keep that cover still in place even though it slowly reduces over time?\n\nYep. And at some point, if they tend to, like, cancel with age or they become not appropriate, we can always consolidate the super towards the end when we transition into pension phase and put it all into one pension account. But it's probably nice to just keep something there even if it's not very expensive just for a few years in case you need it. K? I did wanna ask a question just because it is important to ask.\n\nAre you wanting me to try and obtain new or additional insurances, or are you comfortable just kind of keep what you've got? Yeah. Yeah. Yep. So I will leave those ones alone for the time being.\n\nThat's all good. So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market. And then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution strategies. Sound good? Cool.\n\nNow the only thing there is if you still have that email open, we've sent you there's a number of attachments. So it's got your performance and your summary. There's a financial services guide with our updated licensing information and, like, complaints procedure, areas of advice that we can give, as well as an overview services guide with all the pictures of the team and get to know your team kind of thing. There is a an updated service agreement in there as well because your service agreement is set to expire in a couple of months. So I wanted to ask you, Josephine, are you still comfortable for us to look after your super?\n\nPerfect. So I believe you are on the 1.65% standard fee at the moment. It does cap when you hit 600,000 because we do get clients that kind of get up above that million dollar mark and so on. So we do put a bit of a limit. Yeah.\n\nLook. It's it'll be a bit of a little bit of a stretch. Though saying that, and I'm not trying to predict the world or give you promises I can't keep because I don't like overpromising. Seven years, it is possible to kind of double. If you get good returns, good contributions, and good strategies, it's possible to double in seven.\n\nI am gonna give you an updated retirement projection. Since you're less than ten years away, I'm gonna sort of show you what it's looking like. Okay? So that will be in the statement of advice as well. It'll probably take me a couple of weeks just to go through a bit of updated research, and then the team will call you to book in, and we can run through that document together.\n\nAwesome. Now when you go through the signature link on that Odoo sign, if you can please see if it will let you draw a signature, that's usually best for most super funds. They don't really like the typed in ones that much. So can you let me know if that pops up and if you've got a bit of a button there to draw on it? I don't know if you're using a phone or a computer.\n\nSometimes it can be a bit funky as the finger or the mouse. The order, it should let you jump in without having to set up an account. But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures? I'm still getting used to the system a little bit myself. It's kind of custom built for us.\n\nIt's brilliant. Does so many cool things, but it's very, very new for us. So I'm still getting used to it. Sign up or download. That's not what I usually see on there.\n\nSo that was so there would have been a link in that Odoo email, and it popped you onto a website. It's asking you to sign up or download. Does that mean that you've already signed it and it's asking you to download a signed copy? Or let me let me have a quick look on my section here. Maybe you've skipped ahead.\n\nLet me have a quick look. I'll go into the sign here. You did. No. That's okay.\n\nSo you have you've hit the approve. It's kind of stamped a signature on there. That download button is so you can download a signed copy for your own record. So if that's handy for you, that would be nice. No.\n\nThat's okay. I think it should be fine. Hub's usually pretty good with it. Some providers, they like a bit of a, like, even wet sign signatures still these days. When we do Australian Subaru, I'll make sure the team checks what they do and don't accept.\n\nAwesome, Josephine. It's been an absolute pleasure today. Do you have any questions for me? Perfect. So I will go away in the background with my team and do all the research and put that document together.\n\nYou will hear from us in a fortnight to book in to go through that because I'm going on paternity leave in June with my my third. I've got a daughter on the way now for the two boys. So I'm very excited, but I wanna make sure I get everything sorted for you before I go. Awesome, Joe. You have a fantastic day.\n\nI'll shoot you off the usual satisfaction link if you're happy with today's review, and I shall talk to you in a couple of weeks. Thanks, Joe. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Josephine.","start":2.24,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.3161986966927846},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.4399998,"end":5.44,"sentiment":"neutral","sentiment_score":0.21478573552199773},{"text":"How are you doing?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.22110335528850555},{"text":"I'm doing absolutely fantastic.","start":7.9199996,"end":9.7,"sentiment":"positive","sentiment_score":0.7650375366210938},{"text":"Thank you for asking.","start":9.84,"end":10.9,"sentiment":"positive","sentiment_score":0.762501910328865}],"sentiment":"positive","sentiment_score":0.42939397489482706,"num_words":22,"start":2.24,"end":10.9},{"sentences":[{"text":"I'm just giving you a call to go through your annual review.","start":11.12,"end":14.34,"sentiment":"neutral","sentiment_score":0.30325975517431897},{"text":"Perfect.","start":16.395,"end":16.895,"sentiment":"positive","sentiment_score":0.43404728174209595},{"text":"Before I get started, are you okay for this call to be recorded?","start":17.035,"end":19.775,"sentiment":"neutral","sentiment_score":0.1043622657083548},{"text":"Amazing.","start":21.355,"end":21.855,"sentiment":"positive","sentiment_score":0.4485434293746948},{"text":"I have an annual review pack that I'm gonna get emailed out to you.","start":22.155,"end":25.535,"sentiment":"neutral","sentiment_score":0.29590614565781187}],"sentiment":"neutral","sentiment_score":0.24441715284455112,"num_words":41,"start":11.12,"end":25.535},{"sentences":[{"text":"Just because we are dealing with your personal information, I just wanna let you know that I'm registered with ASIC as adviser 1273105.","start":25.835,"end":34.55,"sentiment":"neutral","sentiment_score":0.07181278842946758},{"text":"For your security, could you please confirm your date of birth and address?","start":34.85,"end":38.87,"sentiment":"neutral","sentiment_score":0.055112190258044466},{"text":"Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review.","start":49.505,"end":55.86,"sentiment":"positive","sentiment_score":0.6298971027135849},{"text":"I've got your email address for Jojo6754@Gmail.","start":56.48,"end":60.96,"sentiment":"neutral","sentiment_score":0.10165368446281978},{"text":"Are you okay for me to shoot that through to that email address?","start":60.96,"end":63.94,"sentiment":"neutral","sentiment_score":0.10439533854906376}],"sentiment":"neutral","sentiment_score":0.24442997830919921,"num_words":80,"start":25.835,"end":63.94},{"sentences":[{"text":"Amazing.","start":65.44,"end":65.92,"sentiment":"positive","sentiment_score":0.383855402469635},{"text":"Will you be able to look onto the email with me today, or should I kind of just walk you through what's there?","start":65.92,"end":70.505,"sentiment":"neutral","sentiment_score":0.2385510724523793},{"text":"Yep.","start":74.165,"end":74.485,"sentiment":"neutral","sentiment_score":0.18172888457775116},{"text":"That'd be great.","start":74.485,"end":75.205,"sentiment":"positive","sentiment_score":0.41011571884155273},{"text":"If you can pull that up when you're ready.","start":75.205,"end":77.045,"sentiment":"neutral","sentiment_score":0.23062690761354235}],"sentiment":"neutral","sentiment_score":0.25292562914861216,"num_words":37,"start":65.44,"end":77.045},{"sentences":[{"text":"It is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant.","start":77.045,"end":83.229996,"sentiment":"neutral","sentiment_score":0.21423916548490524},{"text":"Amazing.","start":85.369995,"end":85.85,"sentiment":"positive","sentiment_score":0.43689024448394775},{"text":"And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments.","start":85.85,"end":91.149994,"sentiment":"neutral","sentiment_score":0.18830600298113293},{"text":"The link itself is to an ongoing service agreement.","start":92.33,"end":95.335,"sentiment":"neutral","sentiment_score":0.09426821768283844},{"text":"But before we get into that, is there anything in particular you're hoping to get out of this year's review?","start":95.335,"end":101.115005,"sentiment":"neutral","sentiment_score":0.07988447975367308}],"sentiment":"neutral","sentiment_score":0.1592942601299449,"num_words":73,"start":77.045,"end":101.115005},{"sentences":[{"text":"Yeah.","start":110.23,"end":110.47,"sentiment":"neutral","sentiment_score":0.15303361415863037},{"text":"Absolutely.","start":110.47,"end":110.87,"sentiment":"neutral","sentiment_score":0.26234516501426697},{"text":"Just a bit of a general update on how it's tracking given everything that's going on in the world.","start":110.87,"end":115.29,"sentiment":"neutral","sentiment_score":0.18823962148867154},{"text":"Fantastic.","start":116.87,"end":117.37,"sentiment":"positive","sentiment_score":0.5054274797439575},{"text":"So I'll jump into that first.","start":117.67,"end":119.61,"sentiment":"neutral","sentiment_score":0.2125223974386851}],"sentiment":"neutral","sentiment_score":0.20616048042263305,"num_words":28,"start":110.23,"end":119.61},{"sentences":[{"text":"I've got your hub open today.","start":120.625,"end":122.385,"sentiment":"neutral","sentiment_score":0.1231680060736835},{"text":"So whenever I do a review, I just get your details up for the day so I've got the most up to date balance.","start":122.385,"end":128.32501,"sentiment":"neutral","sentiment_score":0.09109224549805124},{"text":"Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super.","start":129.02501,"end":138.72,"sentiment":"neutral","sentiment_score":0.21631858249505362},{"text":"So that's where your contributions are going.","start":138.72,"end":140.48,"sentiment":"neutral","sentiment_score":0.21171299474579947},{"text":"Does that ring a bell?","start":140.48,"end":141.62,"sentiment":"neutral","sentiment_score":0.06232424005866051}],"sentiment":"neutral","sentiment_score":0.1435428096136699,"num_words":60,"start":120.625,"end":141.62},{"sentences":[{"text":"Amazing.","start":142.8,"end":143.3,"sentiment":"positive","sentiment_score":0.7078927159309387},{"text":"Performance has actually been very, very good.","start":143.84,"end":146.205,"sentiment":"positive","sentiment_score":0.7039086052349636},{"text":"You're in a, like, a growth portfolio.","start":146.365,"end":148.845,"sentiment":"positive","sentiment_score":0.43574302537100656},{"text":"Do you remember that you're in that growth risk profile, that sort of four out of five on the risk scale?","start":148.845,"end":153.245,"sentiment":"neutral","sentiment_score":0.15592732919113977},{"text":"Does that ring a bell?","start":153.245,"end":154.225,"sentiment":"neutral","sentiment_score":0.05035448148846626}],"sentiment":"neutral","sentiment_score":0.29784635245436575,"num_words":41,"start":142.8,"end":154.225},{"sentences":[{"text":"Cool.","start":155.325,"end":155.725,"sentiment":"neutral","sentiment_score":0.24388982355594635},{"text":"So, again, primarily focused on long term growth.","start":155.725,"end":158.285,"sentiment":"neutral","sentiment_score":0.06789867114275694},{"text":"Obviously, you're getting closer to retirement, so we do need to be careful of when to when to protect it because we don't want you to be in growth at 66, and then you lose half your silver.","start":158.285,"end":168.29,"sentiment":"neutral","sentiment_score":-0.12270852643996477},{"text":"Do you know what I mean?","start":168.29,"end":169.26999,"sentiment":"neutral","sentiment_score":-0.0315311790133516},{"text":"Yep.","start":170.12999,"end":170.61,"sentiment":"neutral","sentiment_score":0.06315828859806061}],"sentiment":"neutral","sentiment_score":-0.07410877032412423,"num_words":54,"start":155.325,"end":170.61},{"sentences":[{"text":"So the performance, I always give you, like, a net return after fees, which is where it's actually finalized.","start":170.61,"end":178.13501,"sentiment":"neutral","sentiment_score":0.11817490897680584},{"text":"So your net performance is 12.44%, which is quite a while above that usual nine to 10% benchmark that we're aiming for.","start":178.515,"end":187.89,"sentiment":"neutral","sentiment_score":0.21683398498730225},{"text":"So I think it's had about $25,000 worth of growth well and above your contributions, which are going into, like, Australian Super.","start":189.73,"end":198.55,"sentiment":"positive","sentiment_score":0.40408643131906335},{"text":"Amazing.","start":200.145,"end":200.645,"sentiment":"positive","sentiment_score":0.5223391652107239},{"text":"Going through all of the options, you've got about seven actually, no.","start":201.105,"end":205.425,"sentiment":"neutral","sentiment_score":0.24856712420781454}],"sentiment":"neutral","sentiment_score":0.25540417217110334,"num_words":76,"start":170.61,"end":205.425},{"sentences":[{"text":"We've got you on quite a few different options.","start":205.425,"end":207.605,"sentiment":"neutral","sentiment_score":0.22882788876692453},{"text":"You've got a mixture of gold and silver mixed into your portfolio as well.","start":208.225,"end":212.725,"sentiment":"neutral","sentiment_score":0.32683676587683813},{"text":"Most of those satellite options have just gone insane.","start":213.61,"end":216.09,"sentiment":"positive","sentiment_score":0.4591292142868042},{"text":"You've had a 117% growth in your battery tech and lithium, which is kind of like electric vehicles, green energy type stuff.","start":216.09,"end":225.39,"sentiment":"neutral","sentiment_score":0.3199288377707655},{"text":"Gold's up.","start":226.905,"end":227.805,"sentiment":"neutral","sentiment_score":0.23257770389318466}],"sentiment":"neutral","sentiment_score":0.3262664015804018,"num_words":56,"start":205.425,"end":227.805},{"sentences":[{"text":"Silver's up a 101%.","start":228.185,"end":229.965,"sentiment":"neutral","sentiment_score":0.29329460859298706},{"text":"Your Asian shares up 64%.","start":230.425,"end":232.985,"sentiment":"positive","sentiment_score":0.3606063902378082},{"text":"Everything's really kind of knocked it out of the park.","start":232.985,"end":235.22499,"sentiment":"positive","sentiment_score":0.6537541806697845},{"text":"You only have one option that's gone in the negative, which is your Australian shares went down about 15%.","start":235.22499,"end":240.685,"sentiment":"neutral","sentiment_score":0.09171613756763308},{"text":"So everything else was quite strong.","start":241.0,"end":242.78,"sentiment":"positive","sentiment_score":0.4807131290435791}],"sentiment":"neutral","sentiment_score":0.3213781268251213,"num_words":44,"start":228.185,"end":242.78},{"sentences":[{"text":"I do wanna keep an eye on this one if you're comfortable because I have noticed that this spend a long option that you're in has kind of underperformed a little bit compared to the other Australian shares options that are out there.","start":244.76,"end":257.705,"sentiment":"neutral","sentiment_score":-0.214948738730231},{"text":"So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune.","start":259.205,"end":268.67,"sentiment":"neutral","sentiment_score":0.14166084229428735},{"text":"If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up.","start":268.67,"end":273.49,"sentiment":"neutral","sentiment_score":0.279152874648571},{"text":"Is that okay?","start":275.55,"end":276.45,"sentiment":"neutral","sentiment_score":0.13525704046090445},{"text":"What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do.","start":277.79,"end":287.085,"sentiment":"neutral","sentiment_score":0.1163706528643767}],"sentiment":"neutral","sentiment_score":0.040431384526362475,"num_words":132,"start":244.76,"end":287.085},{"sentences":[{"text":"Can I ask you one quick question?","start":287.145,"end":288.985,"sentiment":"neutral","sentiment_score":0.07888737586992127},{"text":"And there's no wrong answers for this.","start":288.985,"end":290.76498,"sentiment":"neutral","sentiment_score":0.08161301378692899},{"text":"If you had to choose between low fees or paying a bit extra to try and get higher performance, which way does your gut feeling lean towards?","start":292.185,"end":301.05,"sentiment":"neutral","sentiment_score":0.12090205539155889},{"text":"So if we go for, like, a passive index fund that follows the market very closely, I can replace that then along with one that's about a tenth of the cost in fees and very, very good performance, or I can replace it with another active option, which is about the same cost, but much better performance.","start":308.265,"end":327.7,"sentiment":"neutral","sentiment_score":0.1457281683228518},{"text":"I've got some good ones in the back pocket for either way.","start":327.84,"end":330.66,"sentiment":"positive","sentiment_score":0.3969212969144185}],"sentiment":"neutral","sentiment_score":0.15870381255041469,"num_words":110,"start":287.145,"end":330.66},{"sentences":[{"text":"It's really just about a style that you might find comfortable.","start":330.97498,"end":333.955,"sentiment":"neutral","sentiment_score":0.2420645301992243},{"text":"That's okay.","start":342.335,"end":343.155,"sentiment":"neutral","sentiment_score":0.08766721561551094},{"text":"And the reason why I asked that question is because sometimes when someone's in one style and I explain the difference between the two, they have a very strong reaction going, oh my god.","start":343.44,"end":352.40002,"sentiment":"neutral","sentiment_score":-0.05011824803317294},{"text":"No.","start":352.40002,"end":352.72,"sentiment":"negative","sentiment_score":-0.3608287572860718},{"text":"I don't want that at all.","start":352.72,"end":353.76,"sentiment":"negative","sentiment_score":-0.38520274062951404}],"sentiment":"neutral","sentiment_score":-0.028481877236454574,"num_words":54,"start":330.97498,"end":353.76},{"sentences":[{"text":"I definitely want the other one.","start":353.76,"end":355.30002,"sentiment":"neutral","sentiment_score":0.02869878460963567},{"text":"If you don't feel that strongly about it, I can just keep the same style and just get an improved option.","start":355.76,"end":361.05502,"sentiment":"neutral","sentiment_score":0.016829377483753932},{"text":"If it's working well, I can just kind of upgrade it a little bit.","start":361.995,"end":365.375,"sentiment":"neutral","sentiment_score":0.2631106419222696},{"text":"Yep.","start":367.755,"end":368.23502,"sentiment":"neutral","sentiment_score":0.2923375964164734},{"text":"Easy done.","start":368.23502,"end":368.875,"sentiment":"positive","sentiment_score":0.33463368751108646}],"sentiment":"neutral","sentiment_score":0.1175173543901606,"num_words":44,"start":353.76,"end":368.875},{"sentences":[{"text":"So the way I would explain it just for your own reference is you're currently in a bit of a mix between the two.","start":368.875,"end":374.26,"sentiment":"neutral","sentiment_score":-0.021471705520525575},{"text":"Most of your super is in low fee.","start":374.4,"end":376.24,"sentiment":"neutral","sentiment_score":0.06865033158101141},{"text":"You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker.","start":376.24,"end":381.06,"sentiment":"neutral","sentiment_score":0.056291577998887406},{"text":"We call them satellite options.","start":381.12,"end":382.74,"sentiment":"neutral","sentiment_score":0.013507891073822975},{"text":"We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme.","start":382.96,"end":391.395,"sentiment":"neutral","sentiment_score":-0.3222450692864025}],"sentiment":"neutral","sentiment_score":-0.10340318778750077,"num_words":93,"start":368.875,"end":391.395},{"sentences":[{"text":"Because if I put all your eggs in one basket, you might be at a 191,000 today.","start":393.29498,"end":398.275,"sentiment":"neutral","sentiment_score":0.0004982650279998779},{"text":"In a year's time, you might be at 95,000 and then 300,000 the next year.","start":398.335,"end":402.99,"sentiment":"neutral","sentiment_score":-0.052293543610721825},{"text":"It's just very extreme, not what you need for a safe retirement.","start":402.99,"end":407.01,"sentiment":"neutral","sentiment_score":-0.2699778837462266},{"text":"Okay?","start":408.99,"end":409.49,"sentiment":"neutral","sentiment_score":0.06407983601093292},{"text":"Alrighty.","start":410.19,"end":410.66998,"sentiment":"neutral","sentiment_score":0.14089156687259674}],"sentiment":"neutral","sentiment_score":-0.08284121414686998,"num_words":46,"start":393.29498,"end":410.66998},{"sentences":[{"text":"So do a bit of an update there.","start":410.66998,"end":412.215,"sentiment":"neutral","sentiment_score":0.18442697450518608},{"text":"Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active?","start":412.29498,"end":424.875,"sentiment":"neutral","sentiment_score":0.1682504003769473},{"text":"Yes.","start":437.095,"end":437.415,"sentiment":"neutral","sentiment_score":0.06338505446910858},{"text":"I've got a bit of an updated statement from them.","start":437.415,"end":439.915,"sentiment":"neutral","sentiment_score":0.06534882113337517},{"text":"It's been doing okay.","start":441.01498,"end":442.055,"sentiment":"neutral","sentiment_score":0.17061591893434525}],"sentiment":"neutral","sentiment_score":0.15193881888370045,"num_words":61,"start":410.66998,"end":442.055},{"sentences":[{"text":"I think more towards the sort of eight or 9% range.","start":442.055,"end":444.935,"sentiment":"neutral","sentiment_score":0.015149026770483364},{"text":"It's a little bit in a safer option.","start":444.935,"end":447.035,"sentiment":"neutral","sentiment_score":-0.0033291862346231937},{"text":"It's not really geared for that sort of big growth, which we kind of want it to stay in a bit of a safer option.","start":447.495,"end":453.37,"sentiment":"neutral","sentiment_score":-0.1900077220797539},{"text":"So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes sense.","start":453.37,"end":463.22998,"sentiment":"neutral","sentiment_score":-0.21054522377071958},{"text":"So the way that affects this is let's say we go into recession.","start":477.33002,"end":481.11002,"sentiment":"neutral","sentiment_score":-0.15147074770468932}],"sentiment":"neutral","sentiment_score":-0.1503033261332247,"num_words":90,"start":442.055,"end":481.11002},{"sentences":[{"text":"Every let let's use history as a bit of an example.","start":482.13,"end":484.79,"sentiment":"neutral","sentiment_score":-0.10488689148967917},{"text":"Every seven years, there's some sort of crash.","start":485.01,"end":487.09,"sentiment":"neutral","sentiment_score":-0.1989659797400236},{"text":"Right?","start":487.09,"end":487.41,"sentiment":"neutral","sentiment_score":-0.1317579299211502},{"text":"You've got the stock market grows, grows, grows, and then you've got the global financial crisis.","start":487.41,"end":491.525,"sentiment":"neutral","sentiment_score":-0.20172200445085764},{"text":"You've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months.","start":491.585,"end":499.525,"sentiment":"negative","sentiment_score":-0.45828777104616164}],"sentiment":"neutral","sentiment_score":-0.27268837618508507,"num_words":56,"start":482.13,"end":499.525},{"sentences":[{"text":"That's usually what happens in a big crash.","start":499.905,"end":502.645,"sentiment":"negative","sentiment_score":-0.3790034130215645},{"text":"Okay?","start":503.32,"end":503.82,"sentiment":"neutral","sentiment_score":-0.13908547163009644},{"text":"So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we haven't put you in high risk.","start":504.44,"end":515.02,"sentiment":"neutral","sentiment_score":-0.14463218357978444},{"text":"So what we're kind of thinking of doing is now that the stock market's already gone down a bunch is we can use it as a bit of a buying opportunity.","start":515.975,"end":523.355,"sentiment":"neutral","sentiment_score":0.10985597102872786},{"text":"So all these shares and gold and properties have gone down a bit.","start":523.735,"end":527.115,"sentiment":"neutral","sentiment_score":-0.05636475751033196}],"sentiment":"neutral","sentiment_score":-0.0612928090660378,"num_words":86,"start":499.905,"end":527.115},{"sentences":[{"text":"Now we can move some safer money into it to kind of buy low so we can sell high later on when you're close to retirement.","start":527.175,"end":534.04,"sentiment":"neutral","sentiment_score":0.12799149264509863},{"text":"That's the usual strategy for around about seven years.","start":536.1,"end":540.2,"sentiment":"neutral","sentiment_score":0.2252679251962238},{"text":"But once we've built you up closer to what you need for your retirement goal, we then have to reduce your risk down because growth is usually recommended if you've got at least seven to nine years until retirement.","start":541.62,"end":556.675,"sentiment":"neutral","sentiment_score":0.13760000906693629},{"text":"In that last seven years, we need to slowly reduce you from 80% shares and property to seventy, sixty, fifty, forty so that you can have a nice, safe pension account when you're 67.","start":557.22,"end":569.595,"sentiment":"neutral","sentiment_score":0.2216862448874642},{"text":"Does that make sense?","start":571.19495,"end":572.33496,"sentiment":"neutral","sentiment_score":0.20587536692619324}],"sentiment":"neutral","sentiment_score":0.1703787882413183,"num_words":112,"start":527.175,"end":572.33496},{"sentences":[{"text":"So what I'm kind of asking you is, are you okay to still do that strategy of buying in now?","start":573.19495,"end":577.77496,"sentiment":"neutral","sentiment_score":0.10031528733670711},{"text":"And then as you get closer, reduce the risk?","start":577.995,"end":580.415,"sentiment":"neutral","sentiment_score":0.06463176881273587},{"text":"Because that's kind of what we're aiming for.","start":580.795,"end":582.81,"sentiment":"positive","sentiment_score":0.4232446923851967},{"text":"Okay?","start":584.89,"end":585.29,"sentiment":"neutral","sentiment_score":0.13973650336265564},{"text":"Now we're not gonna touch or move anything because I'm still gonna put together an updated advice document.","start":585.29,"end":589.95,"sentiment":"neutral","sentiment_score":0.06362474564876822}],"sentiment":"neutral","sentiment_score":0.12962377018162183,"num_words":56,"start":573.19495,"end":589.95},{"sentences":[{"text":"In there, I will show you the new option I'm thinking of adding to your hub 24, and I'll also do that updated comparison between your hub and your Australian super for you.","start":590.57,"end":601.21497,"sentiment":"neutral","sentiment_score":0.23123104960629434},{"text":"Okay?","start":602.875,"end":603.19495,"sentiment":"neutral","sentiment_score":0.20888739824295044},{"text":"So you don't have to sort of decide anything now.","start":603.19495,"end":605.115,"sentiment":"neutral","sentiment_score":0.14892465397715568},{"text":"I'm just kind of gauging strategy with you.","start":605.115,"end":607.17,"sentiment":"neutral","sentiment_score":0.23299825005233288},{"text":"And then once I put that together over the fortnight, we'll go back together and have a look at this document together.","start":607.25,"end":612.63,"sentiment":"neutral","sentiment_score":0.1856458756056699}],"sentiment":"neutral","sentiment_score":0.20644532214548136,"num_words":74,"start":590.57,"end":612.63},{"sentences":[{"text":"Okay?","start":614.61,"end":615.11,"sentiment":"neutral","sentiment_score":0.000884843640960753},{"text":"While I'm on the subject of the super, your assets and liabilities and your income's all been updated when the team booked you in.","start":616.61,"end":626.105,"sentiment":"neutral","sentiment_score":0.10325766090924542},{"text":"I just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine?","start":626.325,"end":643.62994,"sentiment":"neutral","sentiment_score":0.2312975025177002},{"text":"Uh-huh.","start":665.26,"end":665.76,"sentiment":"neutral","sentiment_score":0.02885465696454048},{"text":"Mhmm.","start":675.995,"end":676.495,"sentiment":"neutral","sentiment_score":0.026639096438884735}],"sentiment":"neutral","sentiment_score":0.18310957902274397,"num_words":77,"start":614.61,"end":676.495},{"sentences":[{"text":"Until that cache gets used.","start":682.41,"end":686.51,"sentiment":"neutral","sentiment_score":-0.21979829370975495},{"text":"Okay.","start":720.935,"end":721.435,"sentiment":"neutral","sentiment_score":0.0027299150824546814},{"text":"And when you mentioned the redraw before, are you using a redraw facility or an offset account?","start":721.65497,"end":726.71497,"sentiment":"neutral","sentiment_score":-0.011135429089121959},{"text":"Okay.","start":729.57495,"end":729.815,"sentiment":"neutral","sentiment_score":0.016864201053977013},{"text":"So you got a 100,000 owing, and is the redraw about, like, 90,000 ish?","start":729.815,"end":734.47,"sentiment":"neutral","sentiment_score":0.00013310577820188234}],"sentiment":"neutral","sentiment_score":-0.03333779384296289,"num_words":38,"start":682.41,"end":734.47},{"sentences":[{"text":"Or 85.","start":734.47,"end":738.41,"sentiment":"neutral","sentiment_score":-0.012477685697376728},{"text":"Oh, no.","start":742.14996,"end":742.97,"sentiment":"neutral","sentiment_score":-0.12012975662946701},{"text":"I spent 10 on plumbing a couple of years ago.","start":743.65497,"end":746.375,"sentiment":"neutral","sentiment_score":-0.1400613710284233},{"text":"Tree roots were growing into them.","start":746.375,"end":747.77496,"sentiment":"neutral","sentiment_score":-0.2512684762477875},{"text":"I had to replace it all underground.","start":747.77496,"end":749.355,"sentiment":"neutral","sentiment_score":-0.2051354412521635}],"sentiment":"neutral","sentiment_score":-0.17071805708110332,"num_words":27,"start":734.47,"end":749.355},{"sentences":[{"text":"Right.","start":762.31,"end":762.55,"sentiment":"neutral","sentiment_score":0.04088117927312851},{"text":"Right.","start":762.55,"end":762.79,"sentiment":"neutral","sentiment_score":0.08045847713947296},{"text":"So the notes I've got here was that you were focusing on the the front yard, the kitchen, and eventually a veranda.","start":762.79,"end":770.53503,"sentiment":"neutral","sentiment_score":0.11143379658460617},{"text":"Is that still the main renovation topics?","start":770.53503,"end":772.955,"sentiment":"neutral","sentiment_score":0.1355371954185622},{"text":"Mhmm.","start":786.70996,"end":787.20996,"sentiment":"neutral","sentiment_score":0.004601726308465004}],"sentiment":"neutral","sentiment_score":0.11019516485976055,"num_words":32,"start":762.31,"end":787.20996},{"sentences":[{"text":"Yeah.","start":798.24506,"end":798.565,"sentiment":"neutral","sentiment_score":0.07690480351448059},{"text":"No.","start":798.565,"end":798.885,"sentiment":"neutral","sentiment_score":-0.10201242566108704},{"text":"I'm totally there for that.","start":798.885,"end":800.405,"sentiment":"neutral","sentiment_score":-0.021096471883356577},{"text":"So what we can do instead is you've got a lot to focus on on the property side of things and finishing off the mortgage.","start":800.405,"end":807.705,"sentiment":"neutral","sentiment_score":0.32452017605304717},{"text":"So we'll just focus on growing your super as much as we can.","start":808.06,"end":811.36005,"sentiment":"positive","sentiment_score":0.539544708453692}],"sentiment":"neutral","sentiment_score":0.33325545843690635,"num_words":45,"start":798.24506,"end":811.36005},{"sentences":[{"text":"Once you hit 60, we might revisit things like transition to retirement strategies or a TTR.","start":811.74005,"end":818.56,"sentiment":"neutral","sentiment_score":0.20426827482879162},{"text":"Have you heard of that before?","start":818.62,"end":819.84,"sentiment":"neutral","sentiment_score":0.06505839216212432},{"text":"So it's something that we can do where if your cash flow is tied up in other things is when you hit 60, you can access 10% of your super.","start":821.115,"end":828.39496,"sentiment":"neutral","sentiment_score":0.23919681211312613},{"text":"And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67.","start":828.39496,"end":844.31,"sentiment":"neutral","sentiment_score":0.3158930614590645},{"text":"So that's something that we can come back to in two years' time, and that'll help you sort of fast track your super a little bit.","start":844.45,"end":851.88495,"sentiment":"positive","sentiment_score":0.4188761768432764}],"sentiment":"neutral","sentiment_score":0.29414432203925367,"num_words":134,"start":811.74005,"end":851.88495},{"sentences":[{"text":"K.","start":853.70496,"end":853.94495,"sentiment":"neutral","sentiment_score":0.12799224257469177},{"text":"So for now, we can just grow up for the next couple of years.","start":853.94495,"end":856.44495,"sentiment":"neutral","sentiment_score":0.29904206309999737},{"text":"Once you hit 60, we might reduce the risk level down a peg and then start doing some extra strategies.","start":856.58496,"end":861.865,"sentiment":"neutral","sentiment_score":0.18279523849487306},{"text":"How's that sound?","start":861.865,"end":862.74,"sentiment":"neutral","sentiment_score":0.17676812907059988},{"text":"Awesome.","start":864.89996,"end":865.38,"sentiment":"positive","sentiment_score":0.6974046230316162}],"sentiment":"neutral","sentiment_score":0.2358511514388598,"num_words":39,"start":853.70496,"end":865.38},{"sentences":[{"text":"So in the meantime, let me just quickly double check with your Australian super.","start":865.38,"end":871.45996,"sentiment":"neutral","sentiment_score":0.0633467962699277},{"text":"I do apologize.","start":871.45996,"end":872.26,"sentiment":"neutral","sentiment_score":-0.13836762805779776},{"text":"It is still loading up again.","start":872.26,"end":874.27997,"sentiment":"negative","sentiment_score":-0.3398779630661011},{"text":"Every time I switch between your screen, it wants to pause for a second.","start":874.58,"end":877.72,"sentiment":"neutral","sentiment_score":-0.22524969492639815},{"text":"We've got so you've got Matthew and James split between fifty fifty beneficiaries on your Australian super and your hub 24.","start":878.145,"end":888.30505,"sentiment":"neutral","sentiment_score":0.03336267865129879}],"sentiment":"neutral","sentiment_score":-0.06931715503591916,"num_words":58,"start":865.38,"end":888.30505},{"sentences":[{"text":"Just double checking you're still okay for those.","start":888.30505,"end":890.565,"sentiment":"neutral","sentiment_score":0.20449069514870644},{"text":"Amazing.","start":892.11,"end":892.61,"sentiment":"positive","sentiment_score":0.6497946977615356},{"text":"Did you put in place a will or a power of attorney?","start":892.75,"end":895.08997,"sentiment":"neutral","sentiment_score":0.1928983305891355},{"text":"Okay.","start":896.82996,"end":897.32996,"sentiment":"neutral","sentiment_score":-0.10877358168363573},{"text":"No.","start":897.95,"end":898.19,"sentiment":"neutral","sentiment_score":-0.159948468208313}],"sentiment":"neutral","sentiment_score":0.1883381815708202,"num_words":23,"start":888.30505,"end":898.19},{"sentences":[{"text":"I know.","start":898.19,"end":898.51,"sentiment":"neutral","sentiment_score":-0.10805300995707512},{"text":"It's just one of the things where I'm I'm assuming Matthew and James, they're both adult children.","start":898.51,"end":902.45,"sentiment":"neutral","sentiment_score":-0.024211805642527694},{"text":"Yep.","start":904.045,"end":904.545,"sentiment":"neutral","sentiment_score":0.12051473557949066},{"text":"So it the the thing with wills and power of attorney is it just makes it a little bit easier and quicker for things outside of the super because the super is quite direct.","start":904.605,"end":912.945,"sentiment":"neutral","sentiment_score":0.21524052497218638},{"text":"Power of attorney is kind of handy because if you're in hospital and can't act on your own behalf, people can kind of access the bank accounts to make sure the mortgage stays paid.","start":913.805,"end":924.42004,"sentiment":"neutral","sentiment_score":0.15888162899543257}],"sentiment":"neutral","sentiment_score":0.13878365062092515,"num_words":88,"start":898.19,"end":924.42004},{"sentences":[{"text":"They can talk to the doctors.","start":924.56006,"end":926.02,"sentiment":"neutral","sentiment_score":0.029918452103932697},{"text":"Otherwise, they may have to go to the courts and and sue for probate, and that can take some time.","start":926.72003,"end":931.62006,"sentiment":"neutral","sentiment_score":-0.10241574253886938},{"text":"So I just wanted to give you that reminder that it might be handy even if you did, like, a $25 kit from the post office.","start":931.805,"end":938.14496,"sentiment":"neutral","sentiment_score":0.2288609932248409},{"text":"Rather than going through all the rigmarole with solicitors, if you want something simple, there's some options there for you.","start":940.365,"end":946.32,"sentiment":"neutral","sentiment_score":0.12574011497199536},{"text":"Cool.","start":947.60004,"end":948.10004,"sentiment":"neutral","sentiment_score":0.18374665081501007}],"sentiment":"neutral","sentiment_score":0.09287850186228752,"num_words":73,"start":924.56006,"end":948.10004},{"sentences":[{"text":"With the insurances, just quickly, I know that with some, like, health concerns and age, we're not trying to get your big bulk of insurance because it might cost $10,000 or something crazy like that.","start":948.72003,"end":958.42,"sentiment":"neutral","sentiment_score":-0.041283293387719563},{"text":"So I just wanted to double check.","start":958.56,"end":960.82,"sentiment":"neutral","sentiment_score":0.013199252209493093},{"text":"We've got a little bit of life and TPD cover.","start":961.01495,"end":964.055,"sentiment":"neutral","sentiment_score":0.004959164001047611},{"text":"Right?","start":964.055,"end":964.375,"sentiment":"neutral","sentiment_score":0.02984195575118065},{"text":"Life and total disability.","start":964.375,"end":965.65497,"sentiment":"neutral","sentiment_score":-0.05788255110383034}],"sentiment":"neutral","sentiment_score":-0.02639679143434031,"num_words":57,"start":948.72003,"end":965.65497},{"sentences":[{"text":"That's your 15,000 and your 6,000.","start":965.65497,"end":967.915,"sentiment":"neutral","sentiment_score":-0.006420838753304754},{"text":"Income protection is in there.","start":969.255,"end":970.695,"sentiment":"neutral","sentiment_score":-0.009840651974081993},{"text":"So 2,800 a month worth of income protection.","start":970.695,"end":973.675,"sentiment":"neutral","sentiment_score":-0.008997251745313406},{"text":"If you're out of work for more than sixty days, it'll pay you monthly for up to five years if you're out of work for that long.","start":973.815,"end":980.4,"sentiment":"neutral","sentiment_score":-0.07809761794352973},{"text":"And it's only costing it's only for health and injury.","start":980.7,"end":986.96,"sentiment":"neutral","sentiment_score":-0.13262934964150191}],"sentiment":"neutral","sentiment_score":-0.06418991941505478,"num_words":56,"start":965.65497,"end":986.96},{"sentences":[{"text":"Yeah.","start":988.955,"end":989.35504,"sentiment":"neutral","sentiment_score":-0.004143049940466881},{"text":"It was one of those funny things.","start":989.35504,"end":990.55505,"sentiment":"neutral","sentiment_score":-0.021584360195057734},{"text":"I I get that question all the time about, like, redundancies and that kind of thing.","start":990.55505,"end":994.55505,"sentiment":"neutral","sentiment_score":-0.1274970332160592},{"text":"And because of settling, they don't like the competition.","start":994.55505,"end":997.61505,"sentiment":"neutral","sentiment_score":-0.3161032183302773},{"text":"Unemployment insurance is illegal in Australia, technically.","start":998.315,"end":1001.455,"sentiment":"negative","sentiment_score":-0.4287893218653543}],"sentiment":"neutral","sentiment_score":-0.20104100801981986,"num_words":40,"start":988.955,"end":1001.455},{"sentences":[{"text":"Yeah.","start":1003.62,"end":1004.12,"sentiment":"neutral","sentiment_score":-0.15987765789031982},{"text":"Unless you're in some fancy contract job with a mining company, and then they'll pay you for anything, but you need those perks.","start":1004.18,"end":1010.84,"sentiment":"neutral","sentiment_score":-0.09285893307431885},{"text":"$507 per year.","start":1012.26,"end":1014.26,"sentiment":"neutral","sentiment_score":0.02301202341914177},{"text":"So the premiums aren't too expensive.","start":1014.26,"end":1015.88,"sentiment":"neutral","sentiment_score":0.057494512448708214},{"text":"So are you okay to keep that cover still in place even though it slowly reduces over time?","start":1016.39496,"end":1022.015,"sentiment":"neutral","sentiment_score":0.10181626967257923}],"sentiment":"neutral","sentiment_score":-0.0009595513635990672,"num_words":51,"start":1003.62,"end":1022.015},{"sentences":[{"text":"Yep.","start":1027.115,"end":1027.515,"sentiment":"neutral","sentiment_score":0.021273521706461903},{"text":"And at some point, if they tend to, like, cancel with age or they become not appropriate, we can always consolidate the super towards the end when we transition into pension phase and put it all into one pension account.","start":1027.515,"end":1041.0599,"sentiment":"neutral","sentiment_score":0.0526537642814219},{"text":"But it's probably nice to just keep something there even if it's not very expensive just for a few years in case you need it.","start":1041.0599,"end":1048.2051,"sentiment":"neutral","sentiment_score":0.06823897004127502},{"text":"K?","start":1049.465,"end":1049.965,"sentiment":"neutral","sentiment_score":0.027809426188468933},{"text":"I did wanna ask a question just because it is important to ask.","start":1050.505,"end":1054.185,"sentiment":"neutral","sentiment_score":0.02659521337885123}],"sentiment":"neutral","sentiment_score":0.052586819301359354,"num_words":80,"start":1027.115,"end":1054.185},{"sentences":[{"text":"Are you wanting me to try and obtain new or additional insurances, or are you comfortable just kind of keep what you've got?","start":1054.185,"end":1061.31,"sentiment":"neutral","sentiment_score":-0.027217881328871717},{"text":"Yeah.","start":1066.5901,"end":1067.0901,"sentiment":"neutral","sentiment_score":-0.022088563069701195},{"text":"Yeah.","start":1081.565,"end":1081.965,"sentiment":"neutral","sentiment_score":0.007845362648367882},{"text":"Yep.","start":1081.965,"end":1082.445,"sentiment":"neutral","sentiment_score":0.033413901925086975},{"text":"So I will leave those ones alone for the time being.","start":1082.445,"end":1085.325,"sentiment":"neutral","sentiment_score":0.07324215803634036}],"sentiment":"neutral","sentiment_score":0.005373599171336438,"num_words":37,"start":1054.185,"end":1085.325},{"sentences":[{"text":"That's all good.","start":1085.325,"end":1086.0449,"sentiment":"positive","sentiment_score":0.4117148021856944},{"text":"So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market.","start":1086.0449,"end":1096.04,"sentiment":"neutral","sentiment_score":0.16075751320882278},{"text":"And then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution strategies.","start":1096.34,"end":1104.055,"sentiment":"neutral","sentiment_score":0.10486838613685809},{"text":"Sound good?","start":1104.435,"end":1105.175,"sentiment":"neutral","sentiment_score":0.15901397168636322},{"text":"Cool.","start":1106.675,"end":1107.175,"sentiment":"neutral","sentiment_score":0.11361145973205566}],"sentiment":"neutral","sentiment_score":0.1545565703819538,"num_words":58,"start":1085.325,"end":1107.175},{"sentences":[{"text":"Now the only thing there is if you still have that email open, we've sent you there's a number of attachments.","start":1107.715,"end":1113.155,"sentiment":"neutral","sentiment_score":0.06639676487871579},{"text":"So it's got your performance and your summary.","start":1113.155,"end":1115.575,"sentiment":"neutral","sentiment_score":0.10672766831703484},{"text":"There's a financial services guide with our updated licensing information and, like, complaints procedure, areas of advice that we can give, as well as an overview services guide with all the pictures of the team and get to know your team kind of thing.","start":1116.08,"end":1130.74,"sentiment":"neutral","sentiment_score":0.08604564873332327},{"text":"There is a an updated service agreement in there as well because your service agreement is set to expire in a couple of months.","start":1132.635,"end":1138.7351,"sentiment":"neutral","sentiment_score":0.1070161626363794},{"text":"So I wanted to ask you, Josephine, are you still comfortable for us to look after your super?","start":1138.9551,"end":1143.535,"sentiment":"neutral","sentiment_score":0.08319812826812267}],"sentiment":"neutral","sentiment_score":0.08782709709004216,"num_words":115,"start":1107.715,"end":1143.535},{"sentences":[{"text":"Perfect.","start":1145.1299,"end":1145.6299,"sentiment":"positive","sentiment_score":0.6006691455841064},{"text":"So I believe you are on the 1.65% standard fee at the moment.","start":1145.7699,"end":1150.6699,"sentiment":"positive","sentiment_score":0.38992272775906783},{"text":"It does cap when you hit 600,000 because we do get clients that kind of get up above that million dollar mark and so on.","start":1150.8899,"end":1157.69,"sentiment":"neutral","sentiment_score":0.32879969239234924},{"text":"So we do put a bit of a limit.","start":1157.69,"end":1159.47,"sentiment":"neutral","sentiment_score":0.30044767922825283},{"text":"Yeah.","start":1164.605,"end":1164.9249,"sentiment":"neutral","sentiment_score":0.13339939713478088}],"sentiment":"positive","sentiment_score":0.3413690903357097,"num_words":49,"start":1145.1299,"end":1164.9249},{"sentences":[{"text":"Look.","start":1164.9249,"end":1165.245,"sentiment":"neutral","sentiment_score":0.1777014136314392},{"text":"It's it'll be a bit of a little bit of a stretch.","start":1165.245,"end":1168.065,"sentiment":"neutral","sentiment_score":0.023007189234097798},{"text":"Though saying that, and I'm not trying to predict the world or give you promises I can't keep because I don't like overpromising.","start":1169.725,"end":1175.39,"sentiment":"neutral","sentiment_score":-0.10775307468746019},{"text":"Seven years, it is possible to kind of double.","start":1176.65,"end":1179.39,"sentiment":"neutral","sentiment_score":-0.015552458663781485},{"text":"If you get good returns, good contributions, and good strategies, it's possible to double in seven.","start":1179.53,"end":1184.5901,"sentiment":"neutral","sentiment_score":0.2940590037032962}],"sentiment":"neutral","sentiment_score":0.04164653930996285,"num_words":61,"start":1164.9249,"end":1184.5901},{"sentences":[{"text":"I am gonna give you an updated retirement projection.","start":1184.89,"end":1188.03,"sentiment":"neutral","sentiment_score":0.17519254816903007},{"text":"Since you're less than ten years away, I'm gonna sort of show you what it's looking like.","start":1188.495,"end":1192.755,"sentiment":"neutral","sentiment_score":0.1687215680585188},{"text":"Okay?","start":1195.375,"end":1195.875,"sentiment":"neutral","sentiment_score":0.04089653864502907},{"text":"So that will be in the statement of advice as well.","start":1196.175,"end":1198.975,"sentiment":"neutral","sentiment_score":0.06030923331325704},{"text":"It'll probably take me a couple of weeks just to go through a bit of updated research, and then the team will call you to book in, and we can run through that document together.","start":1198.975,"end":1206.89,"sentiment":"neutral","sentiment_score":0.05544423248086657}],"sentiment":"neutral","sentiment_score":0.09712117578681201,"num_words":73,"start":1184.89,"end":1206.89},{"sentences":[{"text":"Awesome.","start":1208.5499,"end":1209.0499,"sentiment":"neutral","sentiment_score":0.27189868688583374},{"text":"Now when you go through the signature link on that Odoo sign, if you can please see if it will let you draw a signature, that's usually best for most super funds.","start":1209.11,"end":1219.325,"sentiment":"neutral","sentiment_score":0.0902119871461764},{"text":"They don't really like the typed in ones that much.","start":1219.325,"end":1221.825,"sentiment":"neutral","sentiment_score":-0.08484719395637512},{"text":"So can you let me know if that pops up and if you've got a bit of a button there to draw on it?","start":1221.885,"end":1226.7849,"sentiment":"neutral","sentiment_score":0.06295121624134481},{"text":"I don't know if you're using a phone or a computer.","start":1229.98,"end":1231.66,"sentiment":"neutral","sentiment_score":-0.02012772485613823}],"sentiment":"neutral","sentiment_score":0.04614916092787798,"num_words":78,"start":1208.5499,"end":1231.66},{"sentences":[{"text":"Sometimes it can be a bit funky as the finger or the mouse.","start":1231.66,"end":1234.48,"sentiment":"neutral","sentiment_score":0.011901048226998402},{"text":"The order, it should let you jump in without having to set up an account.","start":1242.795,"end":1248.095,"sentiment":"neutral","sentiment_score":0.09931543370087942},{"text":"But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures?","start":1248.395,"end":1254.095,"sentiment":"neutral","sentiment_score":0.02165513607146947},{"text":"I'm still getting used to the system a little bit myself.","start":1263.57,"end":1265.73,"sentiment":"neutral","sentiment_score":0.11695633896372536},{"text":"It's kind of custom built for us.","start":1265.73,"end":1267.09,"sentiment":"positive","sentiment_score":0.37538963556289673}],"sentiment":"neutral","sentiment_score":0.08777913680651049,"num_words":69,"start":1231.66,"end":1267.09},{"sentences":[{"text":"It's brilliant.","start":1267.09,"end":1267.75,"sentiment":"positive","sentiment_score":0.7692370712757111},{"text":"Does so many cool things, but it's very, very new for us.","start":1267.9249,"end":1270.565,"sentiment":"neutral","sentiment_score":0.30439772456884384},{"text":"So I'm still getting used to it.","start":1270.565,"end":1272.505,"sentiment":"neutral","sentiment_score":0.08619632784809385},{"text":"Sign up or download.","start":1284.5,"end":1286.04,"sentiment":"neutral","sentiment_score":0.011976461973972619},{"text":"That's not what I usually see on there.","start":1287.62,"end":1289.64,"sentiment":"neutral","sentiment_score":-0.03464863254339434}],"sentiment":"neutral","sentiment_score":0.16864660363221032,"num_words":33,"start":1267.09,"end":1289.64},{"sentences":[{"text":"So that was so there would have been a link in that Odoo email, and it popped you onto a website.","start":1290.1799,"end":1298.2051,"sentiment":"neutral","sentiment_score":0.011059244118985675},{"text":"It's asking you to sign up or download.","start":1298.265,"end":1300.2051,"sentiment":"neutral","sentiment_score":0.00908507639542222},{"text":"Does that mean that you've already signed it and it's asking you to download a signed copy?","start":1301.625,"end":1305.3251,"sentiment":"neutral","sentiment_score":-0.0032258883070693735},{"text":"Or let me let me have a quick look on my section here.","start":1305.385,"end":1309.42,"sentiment":"neutral","sentiment_score":0.014484618575527118},{"text":"Maybe you've skipped ahead.","start":1309.9601,"end":1311.3401,"sentiment":"neutral","sentiment_score":0.0031151759903877974}],"sentiment":"neutral","sentiment_score":0.0071562759029412904,"num_words":63,"start":1290.1799,"end":1311.3401},{"sentences":[{"text":"Let me have a quick look.","start":1311.4801,"end":1312.78,"sentiment":"neutral","sentiment_score":0.009991019808997711},{"text":"I'll go into the sign here.","start":1313.0801,"end":1315.02,"sentiment":"neutral","sentiment_score":0.014727495145052671},{"text":"You did.","start":1315.4801,"end":1316.14,"sentiment":"neutral","sentiment_score":0.022574572823941708},{"text":"No.","start":1320.1349,"end":1320.375,"sentiment":"neutral","sentiment_score":-0.028876829892396927},{"text":"That's okay.","start":1320.375,"end":1320.9349,"sentiment":"neutral","sentiment_score":0.0051768243429251015}],"sentiment":"neutral","sentiment_score":0.01029041495091994,"num_words":17,"start":1311.4801,"end":1320.9349},{"sentences":[{"text":"So you have you've hit the approve.","start":1320.9349,"end":1323.095,"sentiment":"neutral","sentiment_score":0.030359240780983652},{"text":"It's kind of stamped a signature on there.","start":1323.095,"end":1325.495,"sentiment":"neutral","sentiment_score":0.02687152032740414},{"text":"That download button is so you can download a signed copy for your own record.","start":1325.495,"end":1330.2949,"sentiment":"neutral","sentiment_score":0.05958859920501709},{"text":"So if that's handy for you, that would be nice.","start":1330.2949,"end":1332.51,"sentiment":"neutral","sentiment_score":0.1165339320898056},{"text":"No.","start":1336.27,"end":1336.51,"sentiment":"neutral","sentiment_score":-0.0789777860045433}],"sentiment":"neutral","sentiment_score":0.058723838318411894,"num_words":41,"start":1320.9349,"end":1336.51},{"sentences":[{"text":"That's okay.","start":1336.51,"end":1336.99,"sentiment":"neutral","sentiment_score":-0.05870789289474487},{"text":"I think it should be fine.","start":1336.99,"end":1338.1901,"sentiment":"neutral","sentiment_score":0.00875682228555282},{"text":"Hub's usually pretty good with it.","start":1338.1901,"end":1339.89,"sentiment":"neutral","sentiment_score":0.010485124153395494},{"text":"Some providers, they like a bit of a, like, even wet sign signatures still these days.","start":1340.51,"end":1345.25,"sentiment":"neutral","sentiment_score":-0.13534401264041662},{"text":"When we do Australian Subaru, I'll make sure the team checks what they do and don't accept.","start":1346.235,"end":1350.5751,"sentiment":"neutral","sentiment_score":-0.1348077689900118}],"sentiment":"neutral","sentiment_score":-0.09487660387729077,"num_words":47,"start":1336.51,"end":1350.5751},{"sentences":[{"text":"Awesome, Josephine.","start":1352.155,"end":1352.9551,"sentiment":"positive","sentiment_score":0.538675993680954},{"text":"It's been an absolute pleasure today.","start":1352.9551,"end":1354.715,"sentiment":"positive","sentiment_score":0.7948329051335653},{"text":"Do you have any questions for me?","start":1354.715,"end":1356.495,"sentiment":"neutral","sentiment_score":0.15842173035655702},{"text":"Perfect.","start":1360.9701,"end":1361.4701,"sentiment":"positive","sentiment_score":0.6892895698547363},{"text":"So I will go away in the background with my team and do all the research and put that document together.","start":1361.53,"end":1367.31,"sentiment":"positive","sentiment_score":0.4028996527194977}],"sentiment":"positive","sentiment_score":0.43528334615198344,"num_words":37,"start":1352.155,"end":1367.31},{"sentences":[{"text":"You will hear from us in a fortnight to book in to go through that because I'm going on paternity leave in June with my my third.","start":1367.4501,"end":1374.865,"sentiment":"neutral","sentiment_score":0.14620833816351714},{"text":"I've got a daughter on the way now for the two boys.","start":1374.865,"end":1377.2051,"sentiment":"positive","sentiment_score":0.34903906285762787},{"text":"So I'm very excited, but I wanna make sure I get everything sorted for you before I go.","start":1379.505,"end":1383.605,"sentiment":"positive","sentiment_score":0.4699035618040297},{"text":"Awesome, Joe.","start":1385.3601,"end":1386.0801,"sentiment":"positive","sentiment_score":0.7857514321804047},{"text":"You have a fantastic day.","start":1386.0801,"end":1387.28,"sentiment":"positive","sentiment_score":0.8308653473854065}],"sentiment":"positive","sentiment_score":0.3487529312260449,"num_words":64,"start":1367.4501,"end":1387.28},{"sentences":[{"text":"I'll shoot you off the usual satisfaction link if you're happy with today's review, and I shall talk to you in a couple of weeks.","start":1387.28,"end":1395.3,"sentiment":"positive","sentiment_score":0.4210738742351532},{"text":"Thanks, Joe.","start":1395.3601,"end":1396.0801,"sentiment":"positive","sentiment_score":0.6127181947231293},{"text":"Bye.","start":1396.0801,"end":1396.5801,"sentiment":"positive","sentiment_score":0.4536013603210449}],"sentiment":"positive","sentiment_score":0.4359244502016476,"num_words":28,"start":1387.28,"end":1396.5801}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? Yes. Yes. Right. Josephine Rogers. Date of birth, twenty one twelve sixty seven, and address is 29 Naringa Court, Craigmore, South Australia 5114. Yes. I can have a look while we're on the phone. Yeah. No. I've got it. I just wanna know how it's performed really and what that actually means. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yes. Cool. Yes. Yes. Yep. Right. Right. Right. Okay. Yep. Yep. Yeah. What's the difference in phase? I'm not really good with the share market, which is why I have you guys doing stuff. Yeah. Let's stick with that. Yeah. Right. Yeah. Cool. I'm not really sure how well performing the Australian super is. I do believe you did request that information. Right. Yep. Yeah. What's the the chances of things changing if we go into a recession? How does that affect this? Yes. Mhmm. Right. Okay. Mhmm. Right. Right. Yep. Yes. Yep. Right. Yeah. Okay. Yes. Cash flow is not too bad. I I I managed to get a bit of a pay. I didn't say this to the girls on the phone, but I did get a payout for two car accidents that I was involved in. So they were twelve months apart. So I had one one year and one the next year. And I've checked all of that into the house, but I need to use some of that for home renovations. So my home loan is probably looking quite healthy at the moment, but yeah. And I don't think I'll use all of it. But while I've got it sitting in the home loan and I can redraw for nothing, I figure I might just use that. I was so I think I was just about to have a look. I think at the moment I'll tell you in a sec. So my home loan, I owe about a 100,000 on at the moment. Regional facility. You've got 85. Just spent bloody $6 this morning on plumbing. On plumbing. It wasn't there. Yeah. So I did yeah. I did that two years two years ago, two and a half years ago, and the same corner, it was sinking. So I just had to get the the stormwater put out to the road. Yeah. 6 grand. Six grand. Yeah. So most of the front yard well, hang on. I'm gonna start about halfway through the front yard. The kitchen windows, I had to stop because I had the the car accident, so I wasn't able to do too much. So and, yes, still the veranda is something that I want done, but, you know, I'm being very, very cautious with my money. I don't wanna waste it if that makes sense. Yes. No. Okay. Right. Okay. Yep. Yeah. Yeah. That probably sounds pretty good. Yeah. No. That's really. Yep. Yep. Yep. Not yet. I'm not dying yet. Yes. I am. Yes. Yes. Okay. Yep. Okay. Mhmm. Yep. K. I could have accessed that when I bloody lost my job. Oh, well. Oh, there you go. Yeah. I think I will for now because, yeah, who knows what happens with my health? Okay. Yeah. Yeah. I think I'll keep what I've got. I think we looked into it when I first come over to Hub, and because of the well, because I get DVTs, not that I've had one for years, but the DVTs and now having the type one diabetes, it's really pushed it right, like, very expensive. Yep. Yep. Okay. That's my complaint. Yep. Yes. Yes. If you can get me up to 6 if you can get me up to 600,000 in the couple of years, I'll be cheering. Right. Okay. Okay. Hang on. Let's have a look here. I'm using my yeah. I'm using my phone. So but I've gotta sign up for the a doo doo doo, whatever it's called. Okay. Maybe I'll get out of it and try and get back into it. So I either have to sign up or download? Yep. Maybe. Thank you. Oh, there you go. It I must have hit a button that I didn't realize. Right. So guess what? It didn't give me the option to hand sign then. Yep. No. We've answered everything. Yep. Oh, lucky you. Oh, that's awesome. Alright. No worries. Yep. Awesome. Look forward to it. Thank you. 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Good. Thank you. How are you? Yes.\n\nYes. Right. Josephine Rogers. Date of birth, twenty one twelve sixty seven, and address is 29 Naringa Court, Craigmore, South Australia 5114. Yes.\n\nI can have a look while we're on the phone. Yeah. No. I've got it. I just wanna know how it's performed really and what that actually means.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yes. Cool. Yes. Yes.\n\nYep. Right. Right. Right. Okay.\n\nYep. Yep. Yeah. What's the difference in phase? I'm not really good with the share market, which is why I have you guys doing stuff.\n\nYeah. Let's stick with that. Yeah. Right. Yeah.\n\nCool. I'm not really sure how well performing the Australian super is. I do believe you did request that information. Right. Yep.\n\nYeah. What's the the chances of things changing if we go into a recession? How does that affect this? Yes. Mhmm.\n\nRight. Okay. Mhmm. Right. Right.\n\nYep. Yes. Yep. Right. Yeah.\n\nOkay. Yes. Cash flow is not too bad. I I I managed to get a bit of a pay. I didn't say this to the girls on the phone, but I did get a payout for two car accidents that I was involved in.\n\nSo they were twelve months apart. So I had one one year and one the next year. And I've checked all of that into the house, but I need to use some of that for home renovations. So my home loan is probably looking quite healthy at the moment, but yeah. And I don't think I'll use all of it.\n\nBut while I've got it sitting in the home loan and I can redraw for nothing, I figure I might just use that. I was so I think I was just about to have a look. I think at the moment I'll tell you in a sec. So my home loan, I owe about a 100,000 on at the moment. Regional facility.\n\nYou've got 85. Just spent bloody $6 this morning on plumbing. On plumbing. It wasn't there. Yeah.\n\nSo I did yeah. I did that two years two years ago, two and a half years ago, and the same corner, it was sinking. So I just had to get the the stormwater put out to the road. Yeah. 6 grand.\n\nSix grand. Yeah. So most of the front yard well, hang on. I'm gonna start about halfway through the front yard. The kitchen windows, I had to stop because I had the the car accident, so I wasn't able to do too much.\n\nSo and, yes, still the veranda is something that I want done, but, you know, I'm being very, very cautious with my money. I don't wanna waste it if that makes sense. Yes. No. Okay.\n\nRight. Okay. Yep. Yeah. Yeah.\n\nThat probably sounds pretty good. Yeah. No. That's really. Yep.\n\nYep. Yep. Not yet. I'm not dying yet. Yes.\n\nI am. Yes. Yes. Okay. Yep.\n\nOkay. Mhmm. Yep. K. I could have accessed that when I bloody lost my job.\n\nOh, well. Oh, there you go. Yeah. I think I will for now because, yeah, who knows what happens with my health? Okay.\n\nYeah. Yeah. I think I'll keep what I've got. I think we looked into it when I first come over to Hub, and because of the well, because I get DVTs, not that I've had one for years, but the DVTs and now having the type one diabetes, it's really pushed it right, like, very expensive. Yep.\n\nYep. Okay. That's my complaint. Yep. Yes.\n\nYes. If you can get me up to 6 if you can get me up to 600,000 in the couple of years, I'll be cheering. Right. Okay. Okay.\n\nHang on. Let's have a look here. I'm using my yeah. I'm using my phone. So but I've gotta sign up for the a doo doo doo, whatever it's called.\n\nOkay. Maybe I'll get out of it and try and get back into it. So I either have to sign up or download? Yep. Maybe.\n\nThank you. Oh, there you go. It I must have hit a button that I didn't realize. Right. So guess what?\n\nIt didn't give me the option to hand sign then. Yep. No. We've answered everything. Yep.\n\nOh, lucky you. Oh, that's awesome. Alright. No worries. Yep.\n\nAwesome. Look forward to it. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04807598888874054},{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.4373915493488312},{"text":"Thank you.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.5885396599769592},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"positive","sentiment_score":0.3380028506120046},{"text":"Yes.","start":15.28,"end":15.555,"sentiment":"neutral","sentiment_score":0.2304975986480713}],"sentiment":"positive","sentiment_score":0.3633816260844469,"num_words":8,"start":0.48,"end":15.555},{"sentences":[{"text":"Yes.","start":28.355,"end":28.855,"sentiment":"neutral","sentiment_score":0.08249358087778091},{"text":"Right.","start":29.475,"end":29.91,"sentiment":"neutral","sentiment_score":0.07431841641664505},{"text":"Josephine 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the difference in phase?","start":304.88498,"end":306.745,"sentiment":"neutral","sentiment_score":0.015587471425533295},{"text":"I'm not really good with the share market, which is why I have you guys doing stuff.","start":337.955,"end":342.055,"sentiment":"negative","sentiment_score":-0.3367050579365562}],"sentiment":"neutral","sentiment_score":-0.2115979513525963,"num_words":25,"start":276.335,"end":342.055},{"sentences":[{"text":"Yeah.","start":365.915,"end":366.155,"sentiment":"neutral","sentiment_score":0.16561751067638397},{"text":"Let's stick with 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this?","start":474.315,"end":475.59,"sentiment":"neutral","sentiment_score":-0.18380623757839204},{"text":"Yes.","start":503.395,"end":503.64,"sentiment":"neutral","sentiment_score":-0.02262110635638237},{"text":"Mhmm.","start":513.56,"end":514.06,"sentiment":"neutral","sentiment_score":-0.1970163881778717}],"sentiment":"neutral","sentiment_score":-0.20570551763687814,"num_words":21,"start":463.355,"end":514.06},{"sentences":[{"text":"Right.","start":535.43,"end":535.75,"sentiment":"neutral","sentiment_score":0.155605748295784},{"text":"Okay.","start":535.75,"end":536.25,"sentiment":"neutral","sentiment_score":0.1831745207309723},{"text":"Mhmm.","start":541.58997,"end":542.085,"sentiment":"neutral","sentiment_score":0.15889175236225128},{"text":"Right.","start":549.60504,"end":550.10504,"sentiment":"neutral","sentiment_score":0.1613948941230774},{"text":"Right.","start":570.41,"end":570.705,"sentiment":"neutral","sentiment_score":0.21444116532802585}],"sentiment":"neutral","sentiment_score":0.17470161616802216,"num_words":5,"start":535.43,"end":570.705},{"sentences":[{"text":"Yep.","start":580.705,"end":580.78503,"sentiment":"neutral","sentiment_score":0.22904275357723236},{"text":"Yes.","start":580.78503,"end":581.28503,"sentiment":"neutral","sentiment_score":0.29890650510787964},{"text":"Yep.","start":584.065,"end":584.37,"sentiment":"neutral","sentiment_score":0.1846264600753784},{"text":"Right.","start":607.425,"end":607.585,"sentiment":"neutral","sentiment_score":0.1288893073797226},{"text":"Yeah.","start":607.585,"end":608.085,"sentiment":"neutral","sentiment_score":0.15898802876472473}],"sentiment":"neutral","sentiment_score":0.20009061098098754,"num_words":5,"start":580.705,"end":608.085},{"sentences":[{"text":"Okay.","start":613.76,"end":614.26,"sentiment":"neutral","sentiment_score":0.12016300857067108},{"text":"Yes.","start":626.415,"end":626.915,"sentiment":"neutral","sentiment_score":0.25794222950935364},{"text":"Cash flow is not too bad.","start":644.99,"end":646.85,"sentiment":"neutral","sentiment_score":0.2342542310555776},{"text":"I I I managed to get a bit of a pay.","start":647.87,"end":654.80505,"sentiment":"positive","sentiment_score":0.40409829399802466},{"text":"I didn't say this to the girls on the phone, but I did get a payout for two car accidents that I was involved in.","start":654.80505,"end":663.04504,"sentiment":"neutral","sentiment_score":0.04067283183336258}],"sentiment":"neutral","sentiment_score":0.1646711966869506,"num_words":44,"start":613.76,"end":663.04504},{"sentences":[{"text":"So they were twelve months apart.","start":663.04504,"end":664.64996,"sentiment":"neutral","sentiment_score":-0.04723957056800524},{"text":"So I had one one year and one the next year.","start":664.64996,"end":667.23,"sentiment":"neutral","sentiment_score":0.018956141715699978},{"text":"And I've checked all of that into the house, but I need to use some of that for home renovations.","start":668.08997,"end":674.02997,"sentiment":"neutral","sentiment_score":0.058781006187200543},{"text":"So my home loan is probably looking quite healthy at the moment, but yeah.","start":676.81,"end":687.565,"sentiment":"neutral","sentiment_score":-0.08358393503086907},{"text":"And I don't think I'll use all of it.","start":687.565,"end":689.58496,"sentiment":"neutral","sentiment_score":-0.21839447485076058}],"sentiment":"neutral","sentiment_score":-0.03391708508133888,"num_words":60,"start":663.04504,"end":689.58496},{"sentences":[{"text":"But while I've got it sitting in the home loan and I can redraw for nothing, I figure I might just use that.","start":690.125,"end":697.51996,"sentiment":"neutral","sentiment_score":-0.16708901492149933},{"text":"I was so I think I was just about to have a look.","start":697.51996,"end":702.33997,"sentiment":"neutral","sentiment_score":-0.04840934964326712},{"text":"I think at the moment I'll tell you in a sec.","start":704.95996,"end":710.745,"sentiment":"neutral","sentiment_score":-0.04239323142577301},{"text":"So my home loan, I owe about a 100,000 on at the moment.","start":715.445,"end":719.78503,"sentiment":"neutral","sentiment_score":-0.10680330773958793},{"text":"Regional facility.","start":727.31,"end":728.29,"sentiment":"neutral","sentiment_score":-0.0010001035407185555}],"sentiment":"neutral","sentiment_score":-0.10208286519252485,"num_words":62,"start":690.125,"end":728.29},{"sentences":[{"text":"You've got 85.","start":735.35504,"end":736.575,"sentiment":"neutral","sentiment_score":-0.022053321823477745},{"text":"Just spent bloody $6 this morning on plumbing.","start":736.715,"end":740.875,"sentiment":"neutral","sentiment_score":-0.040666654938831925},{"text":"On plumbing.","start":740.875,"end":741.515,"sentiment":"neutral","sentiment_score":-0.024552954360842705},{"text":"It wasn't there.","start":741.515,"end":742.655,"sentiment":"neutral","sentiment_score":-0.05310676991939545},{"text":"Yeah.","start":749.85,"end":750.08997,"sentiment":"neutral","sentiment_score":-0.028231259435415268}],"sentiment":"neutral","sentiment_score":-0.03695004017037504,"num_words":17,"start":735.35504,"end":750.08997},{"sentences":[{"text":"So I did yeah.","start":750.08997,"end":751.05,"sentiment":"neutral","sentiment_score":-0.030676573514938354},{"text":"I did that two years two years ago, two and a half years ago, and the same corner, it was sinking.","start":751.05,"end":756.49,"sentiment":"neutral","sentiment_score":-0.13707096289311135},{"text":"So I just had to get the the stormwater put out to the road.","start":756.49,"end":761.63,"sentiment":"neutral","sentiment_score":-0.26886257955006193},{"text":"Yeah.","start":761.985,"end":762.345,"sentiment":"neutral","sentiment_score":0.02831961028277874},{"text":"6 grand.","start":762.345,"end":763.205,"sentiment":"neutral","sentiment_score":-0.01668870449066162}],"sentiment":"neutral","sentiment_score":-0.16119834350510723,"num_words":42,"start":750.08997,"end":763.205},{"sentences":[{"text":"Six grand.","start":768.145,"end":772.325,"sentiment":"neutral","sentiment_score":0.13961243256926537},{"text":"Yeah.","start":772.625,"end":773.025,"sentiment":"neutral","sentiment_score":0.1216893196105957},{"text":"So most of the front yard well, hang on.","start":773.025,"end":777.0,"sentiment":"neutral","sentiment_score":0.15593271950880686},{"text":"I'm gonna start about halfway through the front yard.","start":777.0,"end":779.26,"sentiment":"neutral","sentiment_score":0.12210210578309165},{"text":"The kitchen windows, I had to stop because I had the the car accident, so I wasn't able to do too much.","start":780.04004,"end":786.3,"sentiment":"neutral","sentiment_score":-0.04842342165383426}],"sentiment":"neutral","sentiment_score":0.042742147348647896,"num_words":43,"start":768.145,"end":786.3},{"sentences":[{"text":"So and, yes, still the veranda is something that I want done, but, you know, I'm being very, very cautious with my money.","start":786.84,"end":795.73505,"sentiment":"neutral","sentiment_score":-0.010649193564186926},{"text":"I don't wanna waste it if that makes sense.","start":795.73505,"end":797.99506,"sentiment":"neutral","sentiment_score":-0.18645392855008444},{"text":"Yes.","start":811.58997,"end":812.08997,"sentiment":"neutral","sentiment_score":0.24405071139335632},{"text":"No.","start":820.15497,"end":820.65497,"sentiment":"neutral","sentiment_score":-0.010012265294790268},{"text":"Okay.","start":851.945,"end":852.425,"sentiment":"neutral","sentiment_score":0.2035948634147644}],"sentiment":"neutral","sentiment_score":-0.04243952855467796,"num_words":35,"start":786.84,"end":852.425},{"sentences":[{"text":"Right.","start":852.425,"end":852.745,"sentiment":"neutral","sentiment_score":0.17096638679504397},{"text":"Okay.","start":852.745,"end":853.245,"sentiment":"neutral","sentiment_score":0.1426248997449875},{"text":"Yep.","start":856.70996,"end":857.20996,"sentiment":"neutral","sentiment_score":0.19894209504127505},{"text":"Yeah.","start":860.14996,"end":860.64996,"sentiment":"neutral","sentiment_score":0.13139575719833374},{"text":"Yeah.","start":862.70996,"end":863.02997,"sentiment":"positive","sentiment_score":0.34535133838653564}],"sentiment":"neutral","sentiment_score":0.19785609543323518,"num_words":5,"start":852.425,"end":863.02997},{"sentences":[{"text":"That probably sounds pretty good.","start":863.02997,"end":864.56995,"sentiment":"positive","sentiment_score":0.6018214702606202},{"text":"Yeah.","start":878.005,"end":878.505,"sentiment":"neutral","sentiment_score":-0.09753607213497162},{"text":"No.","start":878.565,"end":878.725,"sentiment":"neutral","sentiment_score":-0.2743114233016968},{"text":"That's really.","start":878.725,"end":879.46497,"sentiment":"neutral","sentiment_score":-0.2266869954764843},{"text":"Yep.","start":885.38,"end":885.88,"sentiment":"neutral","sentiment_score":0.0572759285569191}],"sentiment":"neutral","sentiment_score":0.22411617934703826,"num_words":10,"start":863.02997,"end":885.88},{"sentences":[{"text":"Yep.","start":888.74,"end":889.24,"sentiment":"neutral","sentiment_score":0.14792799949645996},{"text":"Yep.","start":890.74,"end":891.24,"sentiment":"positive","sentiment_score":0.39848124980926514},{"text":"Not yet.","start":895.465,"end":896.205,"sentiment":"neutral","sentiment_score":-0.18792125582695007},{"text":"I'm not dying yet.","start":896.42505,"end":897.72504,"sentiment":"neutral","sentiment_score":-0.22651663422584534},{"text":"Yes.","start":902.745,"end":902.98505,"sentiment":"neutral","sentiment_score":0.08813676238059998}],"sentiment":"neutral","sentiment_score":-0.07192922631899516,"num_words":9,"start":888.74,"end":902.98505},{"sentences":[{"text":"I 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could have accessed that when I bloody lost my job.","start":981.215,"end":983.795,"sentiment":"neutral","sentiment_score":-0.19946518743580038}],"sentiment":"neutral","sentiment_score":-0.1385667155807217,"num_words":15,"start":946.60004,"end":983.795},{"sentences":[{"text":"Oh, well.","start":984.815,"end":985.475,"sentiment":"neutral","sentiment_score":-0.11935577541589738},{"text":"Oh, there you go.","start":987.535,"end":988.415,"sentiment":"neutral","sentiment_score":-0.025080731138586998},{"text":"Yeah.","start":988.415,"end":988.77,"sentiment":"neutral","sentiment_score":-0.009854884818196297},{"text":"I think I will for now because, yeah, who knows what happens with my health?","start":1022.77,"end":1026.79,"sentiment":"neutral","sentiment_score":-0.04560437090694904},{"text":"Okay.","start":1043.5499,"end":1043.95,"sentiment":"neutral","sentiment_score":0.050243671983480453}],"sentiment":"neutral","sentiment_score":-0.04272657616630844,"num_words":23,"start":984.815,"end":1043.95},{"sentences":[{"text":"Yeah.","start":1043.95,"end":1044.45,"sentiment":"neutral","sentiment_score":0.048928093165159225},{"text":"Yeah.","start":1048.4299,"end":1048.9299,"sentiment":"neutral","sentiment_score":0.041273102164268494},{"text":"I think I'll keep what I've got.","start":1061.545,"end":1062.905,"sentiment":"neutral","sentiment_score":0.058148346575243134},{"text":"I think we looked into it when I first come over to Hub, and because of the well, because I get DVTs, not that I've had one for years, but the DVTs and now having the type one diabetes, it's really pushed it right, like, very expensive.","start":1062.905,"end":1080.8099,"sentiment":"neutral","sentiment_score":-0.1495770755758945},{"text":"Yep.","start":1085.035,"end":1085.535,"sentiment":"neutral","sentiment_score":0.10549851506948472}],"sentiment":"neutral","sentiment_score":-0.1127611300989724,"num_words":57,"start":1043.95,"end":1085.535},{"sentences":[{"text":"Yep.","start":1096.475,"end":1096.83,"sentiment":"neutral","sentiment_score":0.07415547221899033},{"text":"Okay.","start":1102.99,"end":1103.49,"sentiment":"neutral","sentiment_score":0.114208422601223},{"text":"That's my complaint.","start":1105.3099,"end":1106.21,"sentiment":"neutral","sentiment_score":-0.24744985500971475},{"text":"Yep.","start":1111.07,"end":1111.425,"sentiment":"neutral","sentiment_score":0.0713464766740799},{"text":"Yes.","start":1131.36,"end":1131.86,"sentiment":"neutral","sentiment_score":0.11098598688840866}],"sentiment":"neutral","sentiment_score":-0.05309331523520606,"num_words":7,"start":1096.475,"end":1131.86},{"sentences":[{"text":"Yes.","start":1143.855,"end":1144.355,"sentiment":"positive","sentiment_score":0.33977603912353516},{"text":"If you can get me up to 6 if you can get me up to 600,000 in the couple of years, I'll be cheering.","start":1158.11,"end":1164.2051,"sentiment":"positive","sentiment_score":0.47558049857616425},{"text":"Right.","start":1194.285,"end":1194.785,"sentiment":"neutral","sentiment_score":0.0578588992357254},{"text":"Okay.","start":1207.34,"end":1207.84,"sentiment":"neutral","sentiment_score":0.14960846304893494},{"text":"Okay.","start":1226.9551,"end":1227.355,"sentiment":"neutral","sentiment_score":0.01608125865459442}],"sentiment":"positive","sentiment_score":0.42775916521038326,"num_words":28,"start":1143.855,"end":1227.355},{"sentences":[{"text":"Hang on.","start":1227.355,"end":1227.755,"sentiment":"neutral","sentiment_score":0.006014205981045962},{"text":"Let's have a look here.","start":1227.755,"end":1232.26,"sentiment":"neutral","sentiment_score":0.006184308230876923},{"text":"I'm using my yeah.","start":1232.26,"end":1234.9,"sentiment":"neutral","sentiment_score":0.0335228331387043},{"text":"I'm using my phone.","start":1234.9,"end":1236.12,"sentiment":"neutral","sentiment_score":0.0433334456756711},{"text":"So but I've gotta sign up for the a doo doo doo, whatever it's called.","start":1236.18,"end":1254.345,"sentiment":"neutral","sentiment_score":0.05003528781235218}],"sentiment":"neutral","sentiment_score":0.03669681285197536,"num_words":30,"start":1227.355,"end":1254.345},{"sentences":[{"text":"Okay.","start":1255.82,"end":1255.98,"sentiment":"neutral","sentiment_score":0.05079991742968559},{"text":"Maybe I'll get out of it and try and get back into it.","start":1255.98,"end":1258.88,"sentiment":"neutral","sentiment_score":0.054151520133018494},{"text":"So I either have to sign up or download?","start":1280.075,"end":1282.495,"sentiment":"neutral","sentiment_score":0.025162767618894577},{"text":"Yep.","start":1286.4801,"end":1286.9801,"sentiment":"neutral","sentiment_score":0.048876892775297165},{"text":"Maybe.","start":1305.7749,"end":1306.2749,"sentiment":"neutral","sentiment_score":-0.00416934909299016}],"sentiment":"neutral","sentiment_score":0.04103768525645137,"num_words":25,"start":1255.82,"end":1306.2749},{"sentences":[{"text":"Thank you.","start":1308.815,"end":1309.53,"sentiment":"neutral","sentiment_score":0.02898433990776539},{"text":"Oh, there you go.","start":1316.49,"end":1317.29,"sentiment":"neutral","sentiment_score":0.004497113288380206},{"text":"It I must have hit a button that I didn't realize.","start":1317.29,"end":1319.87,"sentiment":"neutral","sentiment_score":-0.014287970960140228},{"text":"Right.","start":1332.155,"end":1332.635,"sentiment":"neutral","sentiment_score":0.0014644474722445011},{"text":"So guess what?","start":1332.635,"end":1333.355,"sentiment":"neutral","sentiment_score":-0.01406510608891646}],"sentiment":"neutral","sentiment_score":-0.005806734208904561,"num_words":21,"start":1308.815,"end":1333.355},{"sentences":[{"text":"It didn't give me the option to hand sign then.","start":1333.355,"end":1335.775,"sentiment":"neutral","sentiment_score":-0.08408256024122238},{"text":"Yep.","start":1351.2101,"end":1351.575,"sentiment":"neutral","sentiment_score":0.11566784977912904},{"text":"No.","start":1357.335,"end":1357.835,"sentiment":"neutral","sentiment_score":-0.09525680541992188},{"text":"We've answered everything.","start":1358.695,"end":1359.995,"sentiment":"neutral","sentiment_score":0.06047062948346138},{"text":"Yep.","start":1369.4299,"end":1369.9299,"sentiment":"neutral","sentiment_score":0.10823597759008408}],"sentiment":"neutral","sentiment_score":-0.03317291825078428,"num_words":16,"start":1333.355,"end":1369.9299},{"sentences":[{"text":"Oh, lucky you.","start":1373.0299,"end":1374.1699,"sentiment":"positive","sentiment_score":0.5686576167742411},{"text":"Oh, that's awesome.","start":1377.9099,"end":1378.89,"sentiment":"positive","sentiment_score":0.7268062829971313},{"text":"Alright.","start":1384.125,"end":1384.445,"sentiment":"positive","sentiment_score":0.3377114534378052},{"text":"No worries.","start":1384.445,"end":1385.1849,"sentiment":"positive","sentiment_score":0.3880138546228409},{"text":"Yep.","start":1391.1649,"end":1391.6649,"sentiment":"neutral","sentiment_score":0.30200260877609253}],"sentiment":"positive","sentiment_score":0.5302133470773697,"num_words":10,"start":1373.0299,"end":1391.6649},{"sentences":[{"text":"Awesome.","start":1393.565,"end":1394.0449,"sentiment":"positive","sentiment_score":0.7402170896530151},{"text":"Look forward to it.","start":1394.0449,"end":1394.9009,"sentiment":"positive","sentiment_score":0.7033255994319916},{"text":"Thank you.","start":1396.5809,"end":1397.2208,"sentiment":"positive","sentiment_score":0.6765061318874359},{"text":"Bye.","start":1397.2208,"end":1397.7208,"sentiment":"neutral","sentiment_score":-0.11391215771436693}],"sentiment":"positive","sentiment_score":0.5990774491801858,"num_words":8,"start":1393.565,"end":1397.7208}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Josephine. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Thank you for asking. I'm just giving you a call to go through your annual review.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Before I get started, are you okay for this call to be recorded? Amazing. I have an annual review pack that I'm gonna get emailed out to you. Just because we are dealing with your personal information,\n\nChannel 1: Yes.\n\nChannel 0: I just wanna let\n\nChannel 1: Right.\n\nChannel 0: you know that I'm registered with ASIC as adviser 1273105. For your security, could you please confirm your date of birth and address?\n\nChannel 1: Josephine Rogers. Date of birth, twenty one twelve sixty seven, and address is 29 Naringa Court, Craigmore, South Australia 5114.\n\nChannel 0: Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review. I've got your email address for Jojo6754@Gmail. Are you okay for me to shoot that through to that email address?\n\nChannel 1: Yes.\n\nChannel 0: Amazing. Will you be able to look onto the email with me today, or should I kind of just walk you through what's there?\n\nChannel 1: I can have a look while we're on the phone.\n\nChannel 0: Yep. That'd be great. If you can pull that up when you're ready. It is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant.\n\nChannel 1: Yeah. No. I've got it.\n\nChannel 0: Amazing. And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments. The link itself is to an ongoing service agreement. But before we get into that, is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: I just wanna know how it's performed really and what that actually means.\n\nChannel 0: Yeah. Absolutely. Just a bit of a general update on how it's tracking given everything that's going on in the world.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. So I'll jump into that first. I've got your hub open today. So whenever I do a review, I just get your details up for the day so I've got the most up to date balance. Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super.\n\nSo that's where your contributions are going. Does that ring a bell?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Amazing. Performance has actually been very, very good. You're in a, like, a growth portfolio. Do you remember that you're in that growth risk profile, that sort of four out of five on the risk scale? Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So, again, primarily focused on long term growth. Obviously, you're getting closer to retirement, so we do need to be careful of when to when to protect it because we don't want you to be in growth at 66, and then you lose half your silver. Do you know what I mean?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So the performance, I always give you, like, a net return after fees, which is where\n\nChannel 1: Yep.\n\nChannel 0: it's actually finalized. So your net performance is 12.44%, which is quite a while above that usual nine to 10% benchmark that we're aiming for.\n\nChannel 1: Yes. Cool.\n\nChannel 0: So I think it's had about $25,000 worth of growth well and above your contributions, which are going into, like, Australian Super.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Amazing. Going through all of the options, you've got about seven actually, no. We've got you on quite a few different options. You've got a mixture of gold and silver mixed into your portfolio as well. Most of those satellite options have just gone insane.\n\nYou've had a 117% growth in your battery tech and lithium, which is kind of like electric vehicles, green energy type stuff.\n\nChannel 1: Yep.\n\nChannel 0: Gold's up. Silver's up a 101%. Your Asian shares up 64%. Everything's really kind of knocked it out of the park. You only have one option that's gone in the negative, which is your Australian shares went down about 15%.\n\nSo everything else was quite strong.\n\nChannel 1: Right.\n\nChannel 0: I do wanna keep an eye on this one if you're comfortable because I have noticed that this spend a long option that you're in has kind of underperformed a little bit compared to the other Australian shares options that are out there.\n\nChannel 1: Right.\n\nChannel 0: So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune. If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up.\n\nChannel 1: Right. Okay.\n\nChannel 0: Is that okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do. Can I ask you one quick question? And there's no wrong answers for this.\n\nChannel 1: Yeah.\n\nChannel 0: If you had to choose between low fees or paying a bit extra to try and get higher performance, which way does your gut feeling lean towards?\n\nChannel 1: What's the difference in phase?\n\nChannel 0: So if we go for, like, a passive index fund that follows the market very closely, I can replace that then along with one that's about a tenth of the cost in fees and very, very good performance, or I can replace it with another active option, which is about the same cost, but much better performance. I've got some good ones in the back pocket for either way. It's really just about a style that you might find comfortable.\n\nChannel 1: I'm not really good with the share market, which is why I have you guys doing stuff.\n\nChannel 0: That's okay. And the reason why I asked that question is because sometimes when someone's in one style and I explain the difference between the two, they have a very strong reaction going, oh my god. No. I don't want that at all. I definitely want the other one.\n\nIf you don't feel that strongly about it, I can just keep the same style and just get an improved option. If it's working well, I can just kind of upgrade it a little bit.\n\nChannel 1: Yeah. Let's stick with that.\n\nChannel 0: Yep. Easy done. So the way I would explain it just for your own reference is you're currently in a bit of a mix between the two. Most of\n\nChannel 1: Yeah.\n\nChannel 0: your super is in low fee. You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker. We call them satellite options. We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme.\n\nChannel 1: Right.\n\nChannel 0: Because if I put all your eggs in one basket, you might be at a 191,000 today. In a year's time, you might be at 95,000 and then 300,000 the next year. It's just very extreme, not what you need for a safe retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Alrighty. So\n\nChannel 1: Cool.\n\nChannel 0: do a bit of an update there. Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active?\n\nChannel 1: I'm not really sure how well performing the Australian super is. I do believe you did request that\n\nChannel 0: Yes. I've got a bit of an updated statement\n\nChannel 1: information.\n\nChannel 0: from them. It's been doing okay. I think more towards the sort of eight or 9% range. It's a little bit in a safer option. It's not\n\nChannel 1: Right.\n\nChannel 0: really geared for that sort of big growth, which we\n\nChannel 1: Yep.\n\nChannel 0: kind of want it to stay in a bit of a safer option. So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes sense.\n\nChannel 1: Yeah. What's the the chances of things changing if we go into a recession? How does that affect this?\n\nChannel 0: So the way that affects this is let's say we go into recession. Every let let's use history as a bit of an example. Every seven years, there's some sort of crash. Right? You've got the stock market grows, grows, grows, and then you've got the global financial crisis.\n\nYou've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months. That's usually what happens in a big crash. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we haven't\n\nChannel 1: Mhmm.\n\nChannel 0: put you in high risk. So what we're kind of thinking of doing is now that the stock market's already gone down a bunch is we can use it as a bit of a buying opportunity. So all these shares and gold and properties have gone down a bit. Now we can move some safer money into it to kind of buy low so we can sell high later on when you're close to retirement.\n\nChannel 1: Right. Okay.\n\nChannel 0: That's the usual strategy for around about seven years.\n\nChannel 1: Mhmm.\n\nChannel 0: But once we've built you up closer to what you need for your retirement goal, we then have to reduce your risk down because\n\nChannel 1: Right.\n\nChannel 0: growth is usually recommended if you've got at least seven to nine years until retirement. In that last seven years, we need to slowly reduce you from 80% shares and property to seventy, sixty, fifty, forty so that you can have a nice, safe pension account when you're 67.\n\nChannel 1: Right.\n\nChannel 0: Does that make sense? So what I'm kind of asking you is, are you okay to still do that strategy of buying in now? And then as you get closer, reduce the risk?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Because that's kind of what we're aiming for.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Now we're not gonna touch or move anything because I'm still gonna put together an updated advice document. In there, I will show you the new option I'm thinking of adding to your hub 24, and I'll also do that updated comparison between your hub and your Australian super for you. Okay? So you don't have to sort of decide anything now.\n\nI'm just kind of gauging strategy with you. And then\n\nChannel 1: Right.\n\nChannel 0: once\n\nChannel 1: Yeah.\n\nChannel 0: I put that together over the fortnight, we'll go back together and have a look at this document together.\n\nChannel 1: Okay.\n\nChannel 0: Okay? While I'm on the subject of the super, your assets and liabilities and your income's all been updated when the team booked you in. I\n\nChannel 1: Yes.\n\nChannel 0: just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine?\n\nChannel 1: Cash flow is not too bad. I I I managed to get a bit of a pay. I didn't say this to the girls on the phone, but I did get a payout for two car accidents that I was involved in. So they were twelve months apart. So I had\n\nChannel 0: Uh-huh.\n\nChannel 1: one one year and one the next year. And I've checked all of that into the house, but I need to use some of that for home renovations.\n\nChannel 0: Mhmm.\n\nChannel 1: So my home loan is probably looking quite healthy\n\nChannel 0: Until\n\nChannel 1: at the moment, but\n\nChannel 0: that cache gets used.\n\nChannel 1: yeah. And I don't think I'll use all of it. But while I've got it sitting in the home loan and I can redraw for nothing, I figure I might just use that. I was so I think I was just about to have a look. I think at the moment I'll tell you in a sec.\n\nSo my home loan, I owe about a 100,000 on at the moment.\n\nChannel 0: Okay. And when you mentioned the redraw before, are you using a redraw facility or an offset account?\n\nChannel 1: Regional facility.\n\nChannel 0: Okay. So you got a 100,000 owing, and is the redraw about, like, 90,000 ish? Or\n\nChannel 1: You've got 85. Just spent\n\nChannel 0: 85.\n\nChannel 1: bloody $6 this morning on plumbing. On plumbing. It wasn't\n\nChannel 0: Oh,\n\nChannel 1: there.\n\nChannel 0: no. I spent 10 on plumbing a couple of years ago. Tree roots were growing into them. I had to replace it all underground.\n\nChannel 1: Yeah. So I did yeah. I did that two years two years ago, two and a half years ago, and the same corner, it was sinking. So I just had to get the the stormwater put out to the road. Yeah.\n\nChannel 0: Right.\n\nChannel 1: 6\n\nChannel 0: Right.\n\nChannel 1: grand.\n\nChannel 0: So the notes I've got here was that you were focusing on the the front\n\nChannel 1: Six\n\nChannel 0: yard, the kitchen, and eventually a veranda. Is that still the main renovation\n\nChannel 1: grand.\n\nChannel 0: topics?\n\nChannel 1: Yeah. So most of the front yard well, hang on. I'm gonna start about halfway through the front yard. The kitchen windows, I had to stop because I had the the car accident, so I wasn't able to do too much.\n\nChannel 0: Mhmm.\n\nChannel 1: So and, yes, still the veranda is something that I want done, but, you know, I'm being very, very cautious with my money. I don't wanna waste it if that makes sense.\n\nChannel 0: Yeah. No. I'm totally there for that. So what we can do instead is you've got a lot to focus on on the property side of things and finishing off the mortgage. So we'll just focus on growing your super as much as we can.\n\nChannel 1: Yes.\n\nChannel 0: Once you hit 60, we might revisit things like transition to retirement strategies or a TTR. Have you heard of that before?\n\nChannel 1: No.\n\nChannel 0: So it's something that we can do where if your cash flow is tied up in other things is when you hit 60, you can access 10% of your super. And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67. So that's something that we can come back to in two years' time, and that'll help you sort of fast track your super a little bit.\n\nChannel 1: Okay. Right. Okay.\n\nChannel 0: K. So for now, we can just grow up for the next couple of years. Once\n\nChannel 1: Yep.\n\nChannel 0: you hit 60, we might reduce the risk level down a peg and then\n\nChannel 1: Yeah.\n\nChannel 0: start doing some extra strategies. How's that sound?\n\nChannel 1: Yeah. That probably sounds pretty good.\n\nChannel 0: Awesome. So in the meantime, let me just quickly double check with your Australian super. I do apologize. It is still loading up again. Every time I switch between your screen, it wants to pause for a second.\n\nChannel 1: Yeah.\n\nChannel 0: We've got\n\nChannel 1: No. That's really.\n\nChannel 0: so you've got Matthew and James split between fifty fifty beneficiaries on\n\nChannel 1: Yep.\n\nChannel 0: your Australian super and your hub 24. Just double\n\nChannel 1: Yep.\n\nChannel 0: checking you're still okay for those.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Did you put in place a will or a power of attorney?\n\nChannel 1: Not yet. I'm not dying\n\nChannel 0: Okay.\n\nChannel 1: yet.\n\nChannel 0: No. I know. It's just one of the things where I'm I'm assuming Matthew and James, they're both adult children.\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. So it the the thing with wills and power of attorney is it just makes it a little bit easier and quicker for things outside of the super because the super is quite direct. Power of attorney is kind of handy because if you're in hospital and can't act on your own behalf, people can kind of access the bank accounts to make sure the mortgage stays paid. They can talk\n\nChannel 1: Yes.\n\nChannel 0: to the doctors. Otherwise, they may have to go to the courts and and sue for probate, and that can take some time. So\n\nChannel 1: Yes.\n\nChannel 0: I just wanted to give you that reminder that it might be handy even if you did, like, a $25 kit from the post office.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Rather than going through all the rigmarole with solicitors, if you want something simple, there's some options there for you.\n\nChannel 1: Okay.\n\nChannel 0: Cool. With the insurances, just quickly, I know that with some, like, health concerns and age, we're not trying to get your big bulk of insurance because it might cost $10,000 or something crazy like that. So\n\nChannel 1: Mhmm.\n\nChannel 0: I just wanted to double check. We've got a little bit of life and TPD cover. Right? Life\n\nChannel 1: Yep.\n\nChannel 0: and total disability. That's your 15,000 and your 6,000. Income protection is in there. So 2,800 a month worth of income protection. If you're out of work for more than sixty days, it'll pay you monthly for up to five years if you're out of work for that long.\n\nAnd it's\n\nChannel 1: K.\n\nChannel 0: only\n\nChannel 1: I could\n\nChannel 0: costing\n\nChannel 1: have accessed that when I bloody lost my job. Oh, well.\n\nChannel 0: it's only for health and injury.\n\nChannel 1: Oh, there you go. Yeah.\n\nChannel 0: Yeah. It was one of those funny things. I I get that question all the time about, like, redundancies and that kind of thing. And because of settling, they don't like the competition. Unemployment insurance is illegal in Australia, technically.\n\nYeah. Unless you're in some fancy contract job with a mining company, and then they'll pay you for anything, but you need those perks. $507 per year. So the premiums aren't too expensive. So are you okay to keep that cover still in place even though it slowly reduces over time?\n\nChannel 1: I think I will for now because, yeah, who knows what happens with my health?\n\nChannel 0: Yep. And at some point, if they tend to, like, cancel with age or they become not appropriate, we can always consolidate the super towards the end when we transition into pension phase and put it all into one pension account. But it's probably nice to just keep something there\n\nChannel 1: Okay.\n\nChannel 0: even if\n\nChannel 1: Yeah.\n\nChannel 0: it's not very expensive just for a few years in case you need it.\n\nChannel 1: Yeah.\n\nChannel 0: K? I did wanna ask a question just because it is important to ask. Are you wanting me to try and obtain new or additional insurances, or are you comfortable just kind of keep what you've got?\n\nChannel 1: I think I'll keep what I've got. I think we looked into it when I first come over to Hub,\n\nChannel 0: Yeah.\n\nChannel 1: and because of the well, because I get DVTs, not that I've had one for years, but the DVTs and now having the type one diabetes, it's really pushed it right, like, very expensive.\n\nChannel 0: Yeah. Yep. So I will leave those ones alone for the time\n\nChannel 1: Yep.\n\nChannel 0: being. That's all good. So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market. And\n\nChannel 1: Yep.\n\nChannel 0: then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution\n\nChannel 1: Okay.\n\nChannel 0: strategies. Sound good?\n\nChannel 1: That's my complaint.\n\nChannel 0: Cool. Now the only thing there is if you still have that email open, we've\n\nChannel 1: Yep.\n\nChannel 0: sent you there's a number of attachments. So it's got your performance and your summary. There's a financial services guide with our updated licensing information and, like, complaints procedure, areas of advice that we can give, as well as an overview services guide with all the pictures of the team and get to know your team kind of thing.\n\nChannel 1: Yes.\n\nChannel 0: There is a an updated service agreement in there as well because your service agreement is set to expire in a couple of months. So I wanted to ask you, Josephine, are you still comfortable for us to look after your super?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So I believe you are on the 1.65% standard fee at the moment. It does cap when you hit 600,000 because we do get clients that kind of get up above that million dollar mark and so on. So we do\n\nChannel 1: If\n\nChannel 0: put\n\nChannel 1: you\n\nChannel 0: a\n\nChannel 1: can\n\nChannel 0: bit\n\nChannel 1: get\n\nChannel 0: of\n\nChannel 1: me\n\nChannel 0: a limit.\n\nChannel 1: up to 6 if you can get me up to 600,000 in the couple of years, I'll be cheering.\n\nChannel 0: Yeah. Look. It's it'll be a bit of a little bit of a stretch. Though saying that, and I'm not trying to predict the world or give you promises I can't keep because I don't like overpromising. Seven years, it is possible to kind of double.\n\nIf you get good returns, good contributions, and good strategies, it's possible to double in seven. I am gonna give you an updated retirement projection. Since you're less than ten years away, I'm gonna sort of show you what it's looking like.\n\nChannel 1: Right.\n\nChannel 0: Okay? So that will be in the statement of advice as well. It'll probably take me a couple of weeks just to go through a bit of updated research, and then the team will call you to book in, and we can run through that document together.\n\nChannel 1: Okay.\n\nChannel 0: Awesome. Now when you go through the signature link on that Odoo sign, if you can please see if it will let you draw a signature, that's usually best for most super funds. They don't really like the typed in ones that much. So can you let me know if that pops up and if you've got a bit of a button there to draw on it?\n\nChannel 1: Okay. Hang on. Let's have a look\n\nChannel 0: I don't know if you're using a phone or a computer. Sometimes it can\n\nChannel 1: here. I'm\n\nChannel 0: be a\n\nChannel 1: using\n\nChannel 0: bit funky\n\nChannel 1: my\n\nChannel 0: as the finger or the mouse.\n\nChannel 1: yeah. I'm using my phone. So but I've gotta sign up for the a doo doo doo, whatever it's\n\nChannel 0: The order, it should let you jump in without having to set up an account. But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures?\n\nChannel 1: called. Okay. Maybe I'll get out of it and try and get back into it.\n\nChannel 0: I'm still getting used to the system a little bit myself. It's kind of custom built for us. It's brilliant. Does so many cool things, but it's very, very new for us. So I'm still getting used to it.\n\nChannel 1: So I either have to sign up or download?\n\nChannel 0: Sign up or download.\n\nChannel 1: Yep.\n\nChannel 0: That's not what I usually see on there. So that was so there would have been a link in that Odoo email, and it popped you onto a website. It's asking you to sign up or download. Does that mean that you've already signed it and it's asking you to download a signed copy? Or\n\nChannel 1: Maybe.\n\nChannel 0: let me let me have a quick look on my section\n\nChannel 1: Thank\n\nChannel 0: here.\n\nChannel 1: you.\n\nChannel 0: Maybe you've skipped ahead. Let me have a quick look. I'll go into the sign here. You did.\n\nChannel 1: Oh, there you go. It I must have hit a button that I didn't realize.\n\nChannel 0: No. That's okay. So you have you've hit the approve. It's kind of stamped a signature on there. That download button is so you can download a signed copy for your own record.\n\nSo if that's handy for you, that would be nice.\n\nChannel 1: Right. So guess what? It didn't give me the option to hand sign then.\n\nChannel 0: No. That's okay. I think it should be fine. Hub's usually pretty good with it. Some providers, they like a bit of a, like, even wet sign signatures still these days.\n\nWhen we do Australian Subaru, I'll make sure the team checks what they do and don't accept.\n\nChannel 1: Yep.\n\nChannel 0: Awesome, Josephine. It's been an absolute pleasure today. Do you have any questions for me?\n\nChannel 1: No. We've answered everything.\n\nChannel 0: Perfect. So I will go away in the background with my team and do all the research and put that document together. You will hear from us in a fortnight to book\n\nChannel 1: Yep.\n\nChannel 0: in to go through that because I'm going on paternity leave in June with\n\nChannel 1: Oh, lucky you.\n\nChannel 0: my my third. I've got a daughter on the way now for the two boys.\n\nChannel 1: Oh, that's awesome.\n\nChannel 0: So I'm very excited, but I wanna make sure I get everything sorted for you before I go.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Awesome, Joe. You have a fantastic day. I'll shoot you off the usual satisfaction link if you're happy with today's review, and\n\nChannel 1: Yep.\n\nChannel 0: I shall talk to you in a couple of\n\nChannel 1: Awesome. Look forward to it.\n\nChannel 0: weeks. Thanks, Joe. Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04807598888874054}],"sentiment":"neutral","sentiment_score":0.04807598888874054,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good afternoon, Josephine.","start":2.24,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.3161986966927846},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.4399998,"end":5.44,"sentiment":"neutral","sentiment_score":0.21478573552199773},{"text":"How are you doing?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.22110335528850555}],"sentiment":"neutral","sentiment_score":0.23832211856331145,"channel":0,"num_words":14,"start":2.24,"end":6.2599998},{"sentences":[{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.4373915493488312},{"text":"Thank you.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.5885396599769592},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"positive","sentiment_score":0.3380028506120046}],"sentiment":"positive","sentiment_score":0.43807990352312726,"channel":1,"num_words":6,"start":6.24,"end":7.8599997},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.9199996,"end":9.7,"sentiment":"positive","sentiment_score":0.7650375366210938},{"text":"Thank you for asking.","start":9.84,"end":10.9,"sentiment":"positive","sentiment_score":0.762501910328865},{"text":"I'm just giving you a call to go through your annual review.","start":11.12,"end":14.34,"sentiment":"neutral","sentiment_score":0.30325975517431897}],"sentiment":"positive","sentiment_score":0.48746374249458313,"channel":0,"num_words":20,"start":7.9199996,"end":14.34},{"sentences":[{"text":"Yes.","start":15.28,"end":15.555,"sentiment":"neutral","sentiment_score":0.2304975986480713}],"sentiment":"neutral","sentiment_score":0.2304975986480713,"channel":1,"num_words":1,"start":15.28,"end":15.555},{"sentences":[{"text":"Perfect.","start":16.395,"end":16.895,"sentiment":"positive","sentiment_score":0.43404728174209595},{"text":"Before I get started, are you okay for this call to be recorded?","start":17.035,"end":19.775,"sentiment":"neutral","sentiment_score":0.1043622657083548},{"text":"Amazing.","start":21.355,"end":21.855,"sentiment":"positive","sentiment_score":0.4485434293746948},{"text":"I have an annual review pack that I'm gonna get emailed out to you.","start":22.155,"end":25.535,"sentiment":"neutral","sentiment_score":0.29590614565781187},{"text":"Just because we are dealing with your personal information,","start":25.835,"end":28.654999,"sentiment":"neutral","sentiment_score":0.0763925818933381}],"sentiment":"neutral","sentiment_score":0.1860399853046003,"channel":0,"num_words":38,"start":16.395,"end":28.654999},{"sentences":[{"text":"Yes.","start":28.355,"end":28.855,"sentiment":"neutral","sentiment_score":0.08249358087778091}],"sentiment":"neutral","sentiment_score":0.08249358087778091,"channel":1,"num_words":1,"start":28.355,"end":28.855},{"sentences":[{"text":"I just wanna let","start":28.875,"end":29.49,"sentiment":"neutral","sentiment_score":0.07030646875500679}],"sentiment":"neutral","sentiment_score":0.07030646875500679,"channel":0,"num_words":4,"start":28.875,"end":29.49},{"sentences":[{"text":"Right.","start":29.475,"end":29.91,"sentiment":"neutral","sentiment_score":0.07431841641664505}],"sentiment":"neutral","sentiment_score":0.07431841641664505,"channel":1,"num_words":1,"start":29.475,"end":29.91},{"sentences":[{"text":"you know that I'm registered with ASIC as adviser 1273105.","start":29.49,"end":34.55,"sentiment":"neutral","sentiment_score":0.06829350218176841},{"text":"For your security, could you please confirm your date of birth and address?","start":34.85,"end":38.87,"sentiment":"neutral","sentiment_score":0.055112190258044466}],"sentiment":"neutral","sentiment_score":0.06084319544227227,"channel":0,"num_words":23,"start":29.49,"end":38.87},{"sentences":[{"text":"Josephine Rogers.","start":39.67,"end":40.89,"sentiment":"neutral","sentiment_score":0.014059895649552345},{"text":"Date of birth, twenty one twelve sixty seven, and address is 29 Naringa Court, Craigmore, South Australia 5114.","start":41.51,"end":49.275,"sentiment":"neutral","sentiment_score":0.0467541069827146}],"sentiment":"neutral","sentiment_score":0.04348468584939837,"channel":1,"num_words":20,"start":39.67,"end":49.275},{"sentences":[{"text":"Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review.","start":49.505,"end":55.86,"sentiment":"positive","sentiment_score":0.6298971027135849},{"text":"I've got your email address for Jojo6754@Gmail.","start":56.48,"end":60.96,"sentiment":"neutral","sentiment_score":0.10165368446281978},{"text":"Are you okay for me to shoot that through to that email address?","start":60.96,"end":63.94,"sentiment":"neutral","sentiment_score":0.10439533854906376}],"sentiment":"positive","sentiment_score":0.390596492215991,"channel":0,"num_words":44,"start":49.505,"end":63.94},{"sentences":[{"text":"Yes.","start":64.39,"end":64.89,"sentiment":"neutral","sentiment_score":0.17072468996047974}],"sentiment":"neutral","sentiment_score":0.17072468996047974,"channel":1,"num_words":1,"start":64.39,"end":64.89},{"sentences":[{"text":"Amazing.","start":65.44,"end":65.92,"sentiment":"positive","sentiment_score":0.383855402469635},{"text":"Will you be able to look onto the email with me today, or should I kind of just walk you through what's there?","start":65.92,"end":70.505,"sentiment":"neutral","sentiment_score":0.2385510724523793}],"sentiment":"neutral","sentiment_score":0.24460541953643164,"channel":0,"num_words":24,"start":65.44,"end":70.505},{"sentences":[{"text":"I can have a look while we're on the phone.","start":71.765,"end":74.025,"sentiment":"neutral","sentiment_score":0.10159508734941483}],"sentiment":"neutral","sentiment_score":0.10159508734941483,"channel":1,"num_words":10,"start":71.765,"end":74.025},{"sentences":[{"text":"Yep.","start":74.165,"end":74.485,"sentiment":"neutral","sentiment_score":0.18172888457775116},{"text":"That'd be great.","start":74.485,"end":75.205,"sentiment":"positive","sentiment_score":0.41011571884155273},{"text":"If you can pull that up when you're ready.","start":75.205,"end":77.045,"sentiment":"neutral","sentiment_score":0.23062690761354235},{"text":"It is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant.","start":77.045,"end":83.229996,"sentiment":"neutral","sentiment_score":0.21423916548490524}],"sentiment":"neutral","sentiment_score":0.23272887754597163,"channel":0,"num_words":38,"start":74.165,"end":83.229996},{"sentences":[{"text":"Yeah.","start":83.78,"end":84.02,"sentiment":"neutral","sentiment_score":0.07116982340812683},{"text":"No.","start":84.02,"end":84.26,"sentiment":"neutral","sentiment_score":0.03665183484554291},{"text":"I've got it.","start":84.26,"end":85.159996,"sentiment":"neutral","sentiment_score":0.08390261232852936}],"sentiment":"neutral","sentiment_score":0.07190589904785157,"channel":1,"num_words":5,"start":83.78,"end":85.159996},{"sentences":[{"text":"Amazing.","start":85.369995,"end":85.85,"sentiment":"positive","sentiment_score":0.43689024448394775},{"text":"And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments.","start":85.85,"end":91.149994,"sentiment":"neutral","sentiment_score":0.18830600298113293},{"text":"The link itself is to an ongoing service agreement.","start":92.33,"end":95.335,"sentiment":"neutral","sentiment_score":0.09426821768283844},{"text":"But before we get into that, is there anything in particular you're hoping to get out of this year's review?","start":95.335,"end":101.115005,"sentiment":"neutral","sentiment_score":0.07988447975367308}],"sentiment":"neutral","sentiment_score":0.13067712192423642,"channel":0,"num_words":48,"start":85.369995,"end":101.115005},{"sentences":[{"text":"I just wanna know how it's performed really and what that actually means.","start":102.515,"end":109.13,"sentiment":"neutral","sentiment_score":0.14765615875904375}],"sentiment":"neutral","sentiment_score":0.14765615875904375,"channel":1,"num_words":13,"start":102.515,"end":109.13},{"sentences":[{"text":"Yeah.","start":110.23,"end":110.47,"sentiment":"neutral","sentiment_score":0.15303361415863037},{"text":"Absolutely.","start":110.47,"end":110.87,"sentiment":"neutral","sentiment_score":0.26234516501426697},{"text":"Just a bit of a general update on how it's tracking given everything that's going on in the world.","start":110.87,"end":115.29,"sentiment":"neutral","sentiment_score":0.18823962148867154}],"sentiment":"neutral","sentiment_score":0.1900919803551265,"channel":0,"num_words":21,"start":110.23,"end":115.29},{"sentences":[{"text":"Yeah.","start":115.67,"end":116.17,"sentiment":"neutral","sentiment_score":0.2438763678073883}],"sentiment":"neutral","sentiment_score":0.2438763678073883,"channel":1,"num_words":1,"start":115.67,"end":116.17},{"sentences":[{"text":"Fantastic.","start":116.87,"end":117.37,"sentiment":"positive","sentiment_score":0.5054274797439575},{"text":"So I'll jump into that first.","start":117.67,"end":119.61,"sentiment":"neutral","sentiment_score":0.2125223974386851},{"text":"I've got your hub open today.","start":120.625,"end":122.385,"sentiment":"neutral","sentiment_score":0.1231680060736835},{"text":"So whenever I do a review, I just get your details up for the day so I've got the most up to date balance.","start":122.385,"end":128.32501,"sentiment":"neutral","sentiment_score":0.09109224549805124},{"text":"Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super.","start":129.02501,"end":138.72,"sentiment":"neutral","sentiment_score":0.21631858249505362}],"sentiment":"neutral","sentiment_score":0.15635487777604298,"channel":0,"num_words":55,"start":116.87,"end":138.72},{"sentences":[{"text":"So that's where your contributions are going.","start":138.72,"end":140.48,"sentiment":"neutral","sentiment_score":0.21171299474579947},{"text":"Does that ring a 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okay?","start":275.55,"end":276.45,"sentiment":"neutral","sentiment_score":0.13525704046090445}],"sentiment":"neutral","sentiment_score":0.13525704046090445,"channel":0,"num_words":3,"start":275.55,"end":276.45},{"sentences":[{"text":"Yep.","start":276.335,"end":276.73502,"sentiment":"neutral","sentiment_score":0.11526697874069214},{"text":"Yep.","start":276.73502,"end":277.23502,"sentiment":"neutral","sentiment_score":0.11512772738933565}],"sentiment":"neutral","sentiment_score":0.11519735306501389,"channel":1,"num_words":2,"start":276.335,"end":277.23502},{"sentences":[{"text":"What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do.","start":277.79,"end":287.085,"sentiment":"neutral","sentiment_score":0.1163706528643767},{"text":"Can I ask you one quick question?","start":287.145,"end":288.985,"sentiment":"neutral","sentiment_score":0.07888737586992127},{"text":"And there's no wrong answers 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two.","start":368.875,"end":374.26,"sentiment":"neutral","sentiment_score":-0.021471705520525575},{"text":"Most of","start":374.4,"end":374.8,"sentiment":"neutral","sentiment_score":0.010241636075079441}],"sentiment":"neutral","sentiment_score":0.016095424520558323,"channel":0,"num_words":29,"start":367.755,"end":374.8},{"sentences":[{"text":"Yeah.","start":374.79,"end":375.29,"sentiment":"neutral","sentiment_score":0.027503814548254013}],"sentiment":"neutral","sentiment_score":0.027503814548254013,"channel":1,"num_words":1,"start":374.79,"end":375.29},{"sentences":[{"text":"your super is in low fee.","start":374.8,"end":376.24,"sentiment":"neutral","sentiment_score":0.08811989674965541},{"text":"You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker.","start":376.24,"end":381.06,"sentiment":"neutral","sentiment_score":0.056291577998887406},{"text":"We call them satellite options.","start":381.12,"end":382.74,"sentiment":"neutral","sentiment_score":0.013507891073822975},{"text":"We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme.","start":382.96,"end":391.395,"sentiment":"neutral","sentiment_score":-0.3222450692864025}],"sentiment":"neutral","sentiment_score":-0.1361441612521659,"channel":0,"num_words":67,"start":374.8,"end":391.395},{"sentences":[{"text":"Right.","start":392.565,"end":392.82,"sentiment":"neutral","sentiment_score":0.02219691500067711}],"sentiment":"neutral","sentiment_score":0.02219691500067711,"channel":1,"num_words":1,"start":392.565,"end":392.82},{"sentences":[{"text":"Because if I put all your eggs in one basket, you might be at a 191,000 today.","start":393.29498,"end":398.275,"sentiment":"neutral","sentiment_score":0.0004982650279998779},{"text":"In a year's time, you might be at 95,000 and then 300,000 the next year.","start":398.335,"end":402.99,"sentiment":"neutral","sentiment_score":-0.052293543610721825},{"text":"It's just very extreme, not what you need for a safe retirement.","start":402.99,"end":407.01,"sentiment":"neutral","sentiment_score":-0.2699778837462266}],"sentiment":"neutral","sentiment_score":-0.0912651648554443,"channel":0,"num_words":44,"start":393.29498,"end":407.01},{"sentences":[{"text":"Yeah.","start":408.02002,"end":408.285,"sentiment":"neutral","sentiment_score":0.03440055996179581}],"sentiment":"neutral","sentiment_score":0.03440055996179581,"channel":1,"num_words":1,"start":408.02002,"end":408.285},{"sentences":[{"text":"Okay?","start":408.99,"end":409.49,"sentiment":"neutral","sentiment_score":0.06407983601093292},{"text":"Alrighty.","start":410.19,"end":410.66998,"sentiment":"neutral","sentiment_score":0.14089156687259674},{"text":"So","start":410.66998,"end":410.83,"sentiment":"neutral","sentiment_score":0.24677959084510803}],"sentiment":"neutral","sentiment_score":0.15058366457621256,"channel":0,"num_words":3,"start":408.99,"end":410.83},{"sentences":[{"text":"Cool.","start":410.685,"end":411.185,"sentiment":"neutral","sentiment_score":0.3269961476325989}],"sentiment":"neutral","sentiment_score":0.3269961476325989,"channel":1,"num_words":1,"start":410.685,"end":411.185},{"sentences":[{"text":"do a bit of an update there.","start":410.83,"end":412.215,"sentiment":"neutral","sentiment_score":0.17551945788519724},{"text":"Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active?","start":412.29498,"end":424.875,"sentiment":"neutral","sentiment_score":0.1682504003769473}],"sentiment":"neutral","sentiment_score":0.1693811426560084,"channel":0,"num_words":45,"start":410.83,"end":424.875},{"sentences":[{"text":"I'm not really sure how well performing the Australian super is.","start":427.84,"end":432.41998,"sentiment":"neutral","sentiment_score":-0.3233017095110633},{"text":"I do believe you did request that","start":433.44,"end":435.555,"sentiment":"neutral","sentiment_score":0.026265404054096768}],"sentiment":"neutral","sentiment_score":-0.18735894312461218,"channel":1,"num_words":18,"start":427.84,"end":435.555},{"sentences":[{"text":"Yes.","start":437.095,"end":437.415,"sentiment":"neutral","sentiment_score":0.06338505446910858},{"text":"I've got a bit of an updated statement","start":437.415,"end":439.175,"sentiment":"neutral","sentiment_score":0.06718972092494369}],"sentiment":"neutral","sentiment_score":0.06676698020762867,"channel":0,"num_words":9,"start":437.095,"end":439.175},{"sentences":[{"text":"information.","start":438.895,"end":439.395,"sentiment":"neutral","sentiment_score":0.06355111300945282}],"sentiment":"neutral","sentiment_score":0.06355111300945282,"channel":1,"num_words":1,"start":438.895,"end":439.395},{"sentences":[{"text":"from them.","start":439.175,"end":439.915,"sentiment":"neutral","sentiment_score":0.0579852219671011},{"text":"It's been doing okay.","start":441.01498,"end":442.055,"sentiment":"neutral","sentiment_score":0.17061591893434525},{"text":"I think more towards the sort of eight or 9% range.","start":442.055,"end":444.935,"sentiment":"neutral","sentiment_score":0.015149026770483364},{"text":"It's a little bit in a safer option.","start":444.935,"end":447.035,"sentiment":"neutral","sentiment_score":-0.0033291862346231937},{"text":"It's not","start":447.495,"end":448.055,"sentiment":"neutral","sentiment_score":-0.20548208057880402}],"sentiment":"neutral","sentiment_score":0.019536139374529873,"channel":0,"num_words":27,"start":439.175,"end":448.055},{"sentences":[{"text":"Right.","start":447.935,"end":448.29,"sentiment":"neutral","sentiment_score":-0.1790418177843094}],"sentiment":"neutral","sentiment_score":-0.1790418177843094,"channel":1,"num_words":1,"start":447.935,"end":448.29},{"sentences":[{"text":"really geared for that sort of big growth, which we","start":448.055,"end":451.21,"sentiment":"neutral","sentiment_score":-0.22562874630093574}],"sentiment":"neutral","sentiment_score":-0.22562874630093574,"channel":0,"num_words":10,"start":448.055,"end":451.21},{"sentences":[{"text":"Yep.","start":450.85,"end":451.35,"sentiment":"neutral","sentiment_score":-0.08214150369167328}],"sentiment":"neutral","sentiment_score":-0.08214150369167328,"channel":1,"num_words":1,"start":450.85,"end":451.35},{"sentences":[{"text":"kind of want it to stay in a bit of a safer option.","start":451.21,"end":453.37,"sentiment":"neutral","sentiment_score":-0.16022626367899087},{"text":"So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes 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example.","start":482.13,"end":484.79,"sentiment":"neutral","sentiment_score":-0.10488689148967917},{"text":"Every seven years, there's some sort of crash.","start":485.01,"end":487.09,"sentiment":"neutral","sentiment_score":-0.1989659797400236},{"text":"Right?","start":487.09,"end":487.41,"sentiment":"neutral","sentiment_score":-0.1317579299211502},{"text":"You've got the stock market grows, grows, grows, and then you've got the global financial crisis.","start":487.41,"end":491.525,"sentiment":"neutral","sentiment_score":-0.20172200445085764}],"sentiment":"neutral","sentiment_score":-0.16477374215515292,"channel":0,"num_words":49,"start":477.33002,"end":491.525},{"sentences":[{"text":"You've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months.","start":491.585,"end":499.525,"sentiment":"negative","sentiment_score":-0.45828777104616164},{"text":"That's usually what happens in a big crash.","start":499.905,"end":502.645,"sentiment":"negative","sentiment_score":-0.3790034130215645},{"text":"Okay?","start":503.32,"end":503.82,"sentiment":"neutral","sentiment_score":-0.13908547163009644}],"sentiment":"negative","sentiment_score":-0.42540924816296016,"channel":0,"num_words":29,"start":491.585,"end":503.82},{"sentences":[{"text":"Yes.","start":503.395,"end":503.64,"sentiment":"neutral","sentiment_score":-0.02262110635638237}],"sentiment":"neutral","sentiment_score":-0.02262110635638237,"channel":1,"num_words":1,"start":503.395,"end":503.64},{"sentences":[{"text":"So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we 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67.","start":557.22,"end":569.595,"sentiment":"neutral","sentiment_score":0.2216862448874642}],"sentiment":"neutral","sentiment_score":0.19444209960650424,"channel":0,"num_words":49,"start":550.815,"end":569.595},{"sentences":[{"text":"Right.","start":570.41,"end":570.705,"sentiment":"neutral","sentiment_score":0.21444116532802585}],"sentiment":"neutral","sentiment_score":0.21444116532802585,"channel":1,"num_words":1,"start":570.41,"end":570.705},{"sentences":[{"text":"Does that make sense?","start":571.19495,"end":572.33496,"sentiment":"neutral","sentiment_score":0.20587536692619324},{"text":"So what I'm kind of asking you is, are you okay to still do that strategy of buying in now?","start":573.19495,"end":577.77496,"sentiment":"neutral","sentiment_score":0.10031528733670711},{"text":"And then as you get closer, reduce the 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you.","start":590.57,"end":601.21497,"sentiment":"neutral","sentiment_score":0.23123104960629434},{"text":"Okay?","start":602.875,"end":603.19495,"sentiment":"neutral","sentiment_score":0.20888739824295044},{"text":"So you don't have to sort of decide anything now.","start":603.19495,"end":605.115,"sentiment":"neutral","sentiment_score":0.14892465397715568}],"sentiment":"neutral","sentiment_score":0.16847207142956674,"channel":0,"num_words":63,"start":584.89,"end":605.115},{"sentences":[{"text":"I'm just kind of gauging strategy with you.","start":605.115,"end":607.17,"sentiment":"neutral","sentiment_score":0.23299825005233288},{"text":"And 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mouse.","start":1233.02,"end":1234.48,"sentiment":"neutral","sentiment_score":0.015434442088007927}],"sentiment":"neutral","sentiment_score":0.015434442088007927,"channel":0,"num_words":6,"start":1233.02,"end":1234.48},{"sentences":[{"text":"yeah.","start":1234.5801,"end":1234.9,"sentiment":"neutral","sentiment_score":0.04179169982671738},{"text":"I'm using my phone.","start":1234.9,"end":1236.12,"sentiment":"neutral","sentiment_score":0.0433334456756711},{"text":"So but I've gotta sign up for the a doo doo doo, whatever it's","start":1236.18,"end":1240.485,"sentiment":"neutral","sentiment_score":0.052647520921060016}],"sentiment":"neutral","sentiment_score":0.05011530396969695,"channel":1,"num_words":19,"start":1234.5801,"end":1240.485},{"sentences":[{"text":"The order, it should let you jump in without having to set up an account.","start":1242.795,"end":1248.095,"sentiment":"neutral","sentiment_score":0.09931543370087942},{"text":"But what it does is it asks you for consent, like a 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you've already signed it and it's asking you to download a signed copy?","start":1301.625,"end":1305.3251,"sentiment":"neutral","sentiment_score":-0.0032258883070693735},{"text":"Or","start":1305.385,"end":1305.885,"sentiment":"neutral","sentiment_score":-0.007386475801467896}],"sentiment":"neutral","sentiment_score":-0.0006271072673950007,"channel":0,"num_words":55,"start":1287.62,"end":1305.885},{"sentences":[{"text":"Maybe.","start":1305.7749,"end":1306.2749,"sentiment":"neutral","sentiment_score":-0.00416934909299016}],"sentiment":"neutral","sentiment_score":-0.00416934909299016,"channel":1,"num_words":1,"start":1305.7749,"end":1306.2749},{"sentences":[{"text":"let me let me have a quick look on my 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together.","start":1361.53,"end":1367.31,"sentiment":"positive","sentiment_score":0.4028996527194977},{"text":"You will hear from us in a fortnight to book","start":1367.4501,"end":1369.61,"sentiment":"neutral","sentiment_score":0.17049991488456726}],"sentiment":"positive","sentiment_score":0.33922441955655813,"channel":0,"num_words":32,"start":1360.9701,"end":1369.61},{"sentences":[{"text":"Yep.","start":1369.4299,"end":1369.9299,"sentiment":"neutral","sentiment_score":0.10823597759008408}],"sentiment":"neutral","sentiment_score":0.10823597759008408,"channel":1,"num_words":1,"start":1369.4299,"end":1369.9299},{"sentences":[{"text":"in to go through that because I'm going on paternity leave in June with","start":1369.61,"end":1373.525,"sentiment":"neutral","sentiment_score":0.10153952028070178}],"sentiment":"neutral","sentiment_score":0.10153952028070178,"channel":0,"num_words":14,"start":1369.61,"end":1373.525},{"sentences":[{"text":"Oh, lucky 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you.","start":1396.5809,"end":1397.2208,"sentiment":"positive","sentiment_score":0.6765061318874359},{"text":"Bye.","start":1397.2208,"end":1397.7208,"sentiment":"neutral","sentiment_score":-0.11391215771436693}],"sentiment":"positive","sentiment_score":0.413033368686835,"channel":1,"num_words":3,"start":1396.5809,"end":1397.7208}]},"summary":{"result":"success","short":"The speaker discusses the annual review of Josephine's personal information and investment strategy, as well as updating her options and risk tolerance. They also update her on her investment strategy and risk tolerance, recommending low and high fees and moving money into the portfolio to buy low and sell high later on when close to retirement. The speaker discusses their retirement strategy and the possibility of reducing risk levels and consolidating their super into a retirement plan. They also mention updating their hub portfolio and revisiting risk levels and contributions, and offer advice on signing up for digital signatures and updating their retirement projection. The speaker reassures the customer that they will be helped by their team and plans to follow up with them in a few weeks."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review. Yes. Perfect.","start_word":29,"end_word":42,"intents":[{"intent":"Check annual review","confidence_score":0.018583955},{"intent":"Request review","confidence_score":0.013138221}]},{"text":"I just wanna let Right. you know that I'm registered with ASIC as adviser 1273105. For your security, could you please confirm your date of birth and address? Josephine Rogers.","start_word":81,"end_word":110,"intents":[{"intent":"Update registration details","confidence_score":0.0000018864787}]},{"text":"The link itself is to an ongoing service agreement. But before we get into that, is there anything in particular you're hoping to get out of this year's review? I just wanna know how it's performed really and what that actually means. Yeah.","start_word":270,"end_word":312,"intents":[{"intent":"Provide link","confidence_score":0.005457543}]},{"text":"So whenever I do a review, I just get your details up for the day so I've got the most up to date balance. Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super. So that's where your contributions are going. Does that ring a bell? Yeah.","start_word":348,"end_word":402,"intents":[{"intent":"Check balance and discuss portfolio options","confidence_score":0.00026952373}]},{"text":"So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune. If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up. Right.","start_word":727,"end_word":783,"intents":[{"intent":"Update investment options","confidence_score":0.006547686}]},{"text":"your super is in low fee. You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker. We call them satellite options. We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme. Right.","start_word":1083,"end_word":1150,"intents":[{"intent":"Clarify financial situation","confidence_score":0.007275557}]},{"text":"That's the usual strategy for around about seven years. Mhmm.","start_word":1562,"end_word":1571,"intents":[{"intent":"Improve investment strategy","confidence_score":0.011870586}]},{"text":"just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine?","start_word":1814,"end_word":1862,"intents":[{"intent":"Check cash flow","confidence_score":0.0028427816}]},{"text":"So the notes I've got here was that you were focusing on the the front Six yard, the kitchen, and eventually a veranda. Is that still the main renovation grand. topics?","start_word":2156,"end_word":2186,"intents":[{"intent":"Renovate and optimize super","confidence_score":0.002284188}]},{"text":"And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67.","start_word":2359,"end_word":2414,"intents":[{"intent":"Recommend tax deduction","confidence_score":0.0005004171}]},{"text":"So for now, we can just grow up for the next couple of years. Once Yep.","start_word":2445,"end_word":2460,"intents":[{"intent":"Plan for next steps","confidence_score":0.00002634333}]},{"text":"So in the meantime, let me just quickly double check with your Australian super.","start_word":2491,"end_word":2504,"intents":[{"intent":"Check with australian super","confidence_score":0.16962971}]},{"text":"I think I will for now because, yeah, who knows what happens with my health? Yep.","start_word":2979,"end_word":2994,"intents":[{"intent":"Discuss health insurance","confidence_score":0.000007856992}]},{"text":"So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market. And Yep.","start_word":3172,"end_word":3206,"intents":[{"intent":"Focus on portfolio","confidence_score":0.0064439243}]},{"text":"then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution Okay. strategies.","start_word":3207,"end_word":3225,"intents":[{"intent":"Revisit risk level","confidence_score":0.02660938},{"intent":"Review retirement strategies","confidence_score":0.28899762}]},{"text":"Now the only thing there is if you still have that email open, we've Yep. sent you there's a number of attachments. So it's got your performance and your summary.","start_word":3232,"end_word":3261,"intents":[{"intent":"Communicate performance","confidence_score":0.0023966525}]},{"text":"But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures? called. Okay.","start_word":3695,"end_word":3719,"intents":[{"intent":"Request consent for digital signatures","confidence_score":0.011272748}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Josephine. It's Tommy here, senior adviser from Oakview. How are you doing?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.22640129923820496},{"text":"Good. Thank you. How are you? I'm doing absolutely fantastic. Thank you for asking.","start_word":15,"end_word":28,"sentiment":"positive","sentiment_score":0.6236228942871094},{"text":"I'm just giving you a call to go through your annual review. Yes.","start_word":29,"end_word":41,"sentiment":"neutral","sentiment_score":0.29347091913223267},{"text":"Perfect.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.43404728174209595},{"text":"Before I get started, are you okay for this call to be recorded?","start_word":43,"end_word":55,"sentiment":"neutral","sentiment_score":0.1094321757555008},{"text":"Amazing.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.4485434293746948},{"text":"I have an annual review pack that I'm gonna get emailed out to you. Just because we are dealing with your personal information, Yes. I just wanna let Right. you know that I'm registered with ASIC as adviser 1273105. For your security, could you please confirm your date of birth and address? Josephine Rogers. Date of birth, twenty one twelve sixty seven, and address is 29 Naringa Court, Craigmore, South Australia 5114.","start_word":57,"end_word":128,"sentiment":"neutral","sentiment_score":0.1056518778204918},{"text":"Thank you so much for that, and thank you also for updating your details with the team when you booked in for this review.","start_word":129,"end_word":152,"sentiment":"positive","sentiment_score":0.6253981590270996},{"text":"I've got your email address for Jojo6754@Gmail. Are you okay for me to shoot that through to that email address? Yes.","start_word":153,"end_word":173,"sentiment":"neutral","sentiment_score":0.11095581203699112},{"text":"Amazing.","start_word":174,"end_word":174,"sentiment":"positive","sentiment_score":0.383855402469635},{"text":"Will you be able to look onto the email with me today, or should I kind of just walk you through what's there? I can have a look while we're on the phone. Yep.","start_word":175,"end_word":208,"sentiment":"neutral","sentiment_score":0.1911815404891968},{"text":"That'd be great.","start_word":209,"end_word":211,"sentiment":"positive","sentiment_score":0.4039550721645355},{"text":"If you can pull that up when you're ready. It is from our new system, so it may go through to your spam box or your main inbox, and it usually is pretty instant. Yeah. No. I've got it.","start_word":212,"end_word":250,"sentiment":"neutral","sentiment_score":0.18867798149585724},{"text":"Amazing.","start_word":251,"end_word":251,"sentiment":"positive","sentiment_score":0.43689024448394775},{"text":"And, Josephine, I've got your details open and a few reports that I've sent through as, like, attachments. The link itself is to an ongoing service agreement. But before we get into that, is there anything in particular you're hoping to get out of this year's review? I just wanna know how it's performed really and what that actually means. Yeah. Absolutely. Just a bit of a general update on how it's tracking given everything that's going on in the world. Yeah.","start_word":252,"end_word":333,"sentiment":"neutral","sentiment_score":0.15203353762626648},{"text":"Fantastic.","start_word":334,"end_word":334,"sentiment":"positive","sentiment_score":0.5054274797439575},{"text":"So I'll jump into that first. I've got your hub open today. So whenever I do a review, I just get your details up for the day so I've got the most up to date balance. Your balance is sitting at 191,669, and I believe you have around about 53,000 over with Australian Super. So that's where your contributions are going. Does that ring a bell? Yeah.","start_word":335,"end_word":401,"sentiment":"neutral","sentiment_score":0.15141610423130775},{"text":"Yep. Amazing. Performance has actually been very, very good. You're in a, like, a growth portfolio.","start_word":402,"end_word":417,"sentiment":"positive","sentiment_score":0.529428243637085},{"text":"Do you remember that you're in that growth risk profile, that sort of four out of five on the risk scale? Does that ring a bell? Yep. Cool. So, again, primarily focused on long term growth. Obviously, you're getting closer to retirement, so we do need to be careful of when to when to protect it because we don't want you to be in growth at 66, and then you lose half your silver. Do you know what I mean? Yeah. Yep. So the performance, I always give you, like, a net return after fees, which is where Yep. it's actually finalized. So your net performance is 12.44%, which is quite a while above that usual nine to 10% benchmark that we're aiming for. Yes.","start_word":418,"end_word":542,"sentiment":"neutral","sentiment_score":0.06586996465921402},{"text":"Cool. So I think it's had about $25,000 worth of growth well and above your contributions, which are going into, like, Australian Super.","start_word":543,"end_word":565,"sentiment":"positive","sentiment_score":0.4003548622131348},{"text":"Yes. Yes.","start_word":566,"end_word":567,"sentiment":"neutral","sentiment_score":0.24158304929733276},{"text":"Amazing.","start_word":568,"end_word":568,"sentiment":"positive","sentiment_score":0.5223391652107239},{"text":"Going through all of the options, you've got about seven actually, no. We've got you on quite a few different options. You've got a mixture of gold and silver mixed into your portfolio as well.","start_word":569,"end_word":603,"sentiment":"neutral","sentiment_score":0.26362892985343933},{"text":"Most of those satellite options have just gone insane.","start_word":604,"end_word":612,"sentiment":"positive","sentiment_score":0.4587806165218353},{"text":"You've had a 117% growth in your battery tech and lithium, which is kind of like electric vehicles, green energy type stuff. Yep. Gold's up. Silver's up a 101%.","start_word":613,"end_word":641,"sentiment":"neutral","sentiment_score":0.2948349416255951},{"text":"Your Asian shares up 64%. Everything's really kind of knocked it out of the park.","start_word":642,"end_word":656,"sentiment":"positive","sentiment_score":0.5529751777648926},{"text":"You only have one option that's gone in the negative, which is your Australian shares went down about 15%.","start_word":657,"end_word":675,"sentiment":"neutral","sentiment_score":0.08762968331575394},{"text":"So everything else was quite strong.","start_word":676,"end_word":681,"sentiment":"positive","sentiment_score":0.486677348613739},{"text":"Right. I do wanna keep an eye on this one if you're comfortable because I have noticed that this spend a long option that you're in has kind of underperformed a little bit compared to the other Australian shares options that are out there. Right. So what I'm thinking is if it's okay with you is I want to just update that option and maybe give it a bit of a replacement, kind of like a bit of an engine tune. If you've got eight options and seven are doing fantastic, I just wanna kind of fix one of them up. Right. Okay. Is that okay? Yep. Yep. What I do there is I research a bit of an alternative and update your statement of advice so you've got it in writing about what we're looking to do. Can I ask you one quick question? And there's no wrong answers for this. Yeah. If you had to choose between low fees or paying a bit extra to try and get higher performance, which way does your gut feeling lean towards? What's the difference in phase? So if we go for, like, a passive index fund that follows the market very closely, I can replace that then along with one that's about a tenth of the cost in fees and very, very good performance, or I can replace it with another active option, which is about the same cost, but much better performance.","start_word":682,"end_word":923,"sentiment":"neutral","sentiment_score":0.07578422658699603},{"text":"I've got some good ones in the back pocket for either way.","start_word":924,"end_word":935,"sentiment":"positive","sentiment_score":0.3934310972690582},{"text":"It's really just about a style that you might find comfortable.","start_word":936,"end_word":946,"sentiment":"neutral","sentiment_score":0.24525116384029388},{"text":"I'm not really good with the share market, which is why I have you guys doing stuff.","start_word":947,"end_word":963,"sentiment":"negative","sentiment_score":-0.33898890018463135},{"text":"That's okay. And the reason why I asked that question is because sometimes when someone's in one style and I explain the difference between the two, they have a very strong reaction going, oh my god.","start_word":964,"end_word":999,"sentiment":"neutral","sentiment_score":-0.047674909234046936},{"text":"No. I don't want that at all.","start_word":1000,"end_word":1006,"sentiment":"negative","sentiment_score":-0.3777671754360199},{"text":"I definitely want the other one. If you don't feel that strongly about it, I can just keep the same style and just get an improved option. If it's working well, I can just kind of upgrade it a little bit. Yeah. Let's stick with that. Yep.","start_word":1007,"end_word":1053,"sentiment":"neutral","sentiment_score":0.1302807778120041},{"text":"Easy done.","start_word":1054,"end_word":1055,"sentiment":"positive","sentiment_score":0.5855402946472168},{"text":"So the way I would explain it just for your own reference is you're currently in a bit of a mix between the two. Most of Yeah. your super is in low fee. You've got a couple of higher fee options, which are like your sled dogs that pull you along a little bit quicker. We call them satellite options. We don't put all of your money in one of them because if it goes up a hundred percent one year and crashes 80% the next, we don't want your super bouncing that extreme. Right. Because if I put all your eggs in one basket, you might be at a 191,000 today. In a year's time, you might be at 95,000 and then 300,000 the next year. It's just very extreme, not what you need for a safe retirement. Yeah. Okay? Alrighty. So Cool. do a bit of an update there. Are you comfortable for us to look at doing another bit of a top up rollover from AustralianSuper, move the bulk of that into your portfolio, and just keep that minimum balance for your insurances to stay active? I'm not really sure how well performing the Australian super is. I do believe you did request that Yes. I've got a bit of an updated statement information. from them. It's been doing okay. I think more towards the sort of eight or 9% range. It's a little bit in a safer option. It's not Right. really geared for that sort of big growth, which we Yep. kind of want it to stay in a bit of a safer option. So, you know, if it fluctuates with the stock market, we don't want there to be a risk of your insurances lapsing because it goes below a minimum balance, if that makes sense. Yeah. What's the the chances of things changing if we go into a recession? How does that affect this? So the way that affects this is let's say we go into recession. Every let let's use history as a bit of an example. Every seven years, there's some sort of crash. Right? You've got the stock market grows, grows, grows, and then you've got the global financial crisis.","start_word":1056,"end_word":1425,"sentiment":"neutral","sentiment_score":-0.08394661545753479},{"text":"You've got COVID, possibly this situation, and the stock market takes a tumble for somewhere between six to eighteen months. That's usually what happens in a big crash.","start_word":1426,"end_word":1453,"sentiment":"negative","sentiment_score":-0.41846707463264465},{"text":"Okay? Yes. So your growth portfolio would fluctuate a lot more than the Australian super, which is why we don't put all of your money into that, but we haven't Mhmm.","start_word":1454,"end_word":1484,"sentiment":"neutral","sentiment_score":-0.094044029712677},{"text":"put you in high risk.","start_word":1485,"end_word":1489,"sentiment":"negative","sentiment_score":-0.4806364774703979},{"text":"So what we're kind of thinking of doing is now that the stock market's already gone down a bunch is we can use it as a bit of a buying opportunity. So all these shares and gold and properties have gone down a bit. Now we can move some safer money into it to kind of buy low so we can sell high later on when you're close to retirement. Right. Okay. That's the usual strategy for around about seven years. Mhmm. But once we've built you up closer to what you need for your retirement goal, we then have to reduce your risk down because Right. growth is usually recommended if you've got at least seven to nine years until retirement. In that last seven years, we need to slowly reduce you from 80% shares and property to seventy, sixty, fifty, forty so that you can have a nice, safe pension account when you're 67. Right. Does that make sense? So what I'm kind of asking you is, are you okay to still do that strategy of buying in now? And then as you get closer, reduce the risk? Yep. Yes.","start_word":1490,"end_word":1681,"sentiment":"neutral","sentiment_score":0.13672883808612823},{"text":"Because that's kind of what we're aiming for.","start_word":1682,"end_word":1689,"sentiment":"positive","sentiment_score":0.4334396421909332},{"text":"Yep. Okay? Now we're not gonna touch or move anything because I'm still gonna put together an updated advice document. In there, I will show you the new option I'm thinking of adding to your hub 24, and I'll also do that updated comparison between your hub and your Australian super for you. Okay? So you don't have to sort of decide anything now. I'm just kind of gauging strategy with you. And then Right. once Yeah. I put that together over the fortnight, we'll go back together and have a look at this document together. Okay. Okay? While I'm on the subject of the super, your assets and liabilities and your income's all been updated when the team booked you in. I Yes. just wanted to double check with you whether you were still trying to focus all of the savings on your renovations or if you're looking to divert it to extra contributions to your super, investing, saving up for a holiday, what's the cash flow situation like for you, Josephine? Cash flow is not too bad.","start_word":1690,"end_word":1868,"sentiment":"neutral","sentiment_score":0.18283953213824905},{"text":"I I I managed to get a bit of a pay.","start_word":1869,"end_word":1879,"sentiment":"positive","sentiment_score":0.38876134157180786},{"text":"I didn't say this to the girls on the phone, but I did get a payout for two car accidents that I was involved in. So they were twelve months apart. So I had Uh-huh. one one year and one the next year. And I've checked all of that into the house, but I need to use some of that for home renovations. Mhmm. So my home loan is probably looking quite healthy Until at the moment, but that cache gets used. yeah. And I don't think I'll use all of it. But while I've got it sitting in the home loan and I can redraw for nothing, I figure I might just use that. I was so I think I was just about to have a look. I think at the moment I'll tell you in a sec. So my home loan, I owe about a 100,000 on at the moment. Okay. And when you mentioned the redraw before, are you using a redraw facility or an offset account? Regional facility. Okay. So you got a 100,000 owing, and is the redraw about, like, 90,000 ish? Or You've got 85. Just spent 85. bloody $6 this morning on plumbing. On plumbing. It wasn't Oh, there. no. I spent 10 on plumbing a couple of years ago. Tree roots were growing into them. I had to replace it all underground. Yeah. So I did yeah. I did that two years two years ago, two and a half years ago, and the same corner, it was sinking. So I just had to get the the stormwater put out to the road. Yeah. Right. 6 Right. grand. So the notes I've got here was that you were focusing on the the front Six yard, the kitchen, and eventually a veranda. Is that still the main renovation grand. topics? Yeah. So most of the front yard well, hang on. I'm gonna start about halfway through the front yard. The kitchen windows, I had to stop because I had the the car accident, so I wasn't able to do too much. Mhmm. So and, yes, still the veranda is something that I want done, but, you know, I'm being very, very cautious with my money. I don't wanna waste it if that makes sense. Yeah. No. I'm totally there for that. So what we can do instead is you've got a lot to focus on on the property side of things and finishing off the mortgage.","start_word":1880,"end_word":2291,"sentiment":"neutral","sentiment_score":-0.02164083583624039},{"text":"So we'll just focus on growing your super as much as we can.","start_word":2292,"end_word":2304,"sentiment":"positive","sentiment_score":0.5231260657310486},{"text":"Yes. Once you hit 60, we might revisit things like transition to retirement strategies or a TTR. Have you heard of that before? No. So it's something that we can do where if your cash flow is tied up in other things is when you hit 60, you can access 10% of your super. And what we can do is this trick where you can pull 10% out, put it back in again as a tax deduction, and the difference in the tax between what you're paying at work and the 15% for super, that can go in to boost up the super between the age of 60 and 67.","start_word":2305,"end_word":2414,"sentiment":"neutral","sentiment_score":0.2561000883579254},{"text":"So that's something that we can come back to in two years' time, and that'll help you sort of fast track your super a little bit.","start_word":2415,"end_word":2440,"sentiment":"positive","sentiment_score":0.412866473197937},{"text":"Okay. Right. Okay. K. So for now, we can just grow up for the next couple of years. Once Yep. you hit 60, we might reduce the risk level down a peg and then Yeah. start doing some extra strategies. How's that sound?","start_word":2441,"end_word":2483,"sentiment":"neutral","sentiment_score":0.20716531574726105},{"text":"Yeah. That probably sounds pretty good. Awesome.","start_word":2484,"end_word":2490,"sentiment":"positive","sentiment_score":0.5683571696281433},{"text":"So in the meantime, let me just quickly double check with your Australian super. I do apologize.","start_word":2491,"end_word":2507,"sentiment":"neutral","sentiment_score":0.023219628259539604},{"text":"It is still loading up again.","start_word":2508,"end_word":2513,"sentiment":"negative","sentiment_score":-0.33636730909347534},{"text":"Every time I switch between your screen, it wants to pause for a second. Yeah. We've got No.","start_word":2514,"end_word":2531,"sentiment":"neutral","sentiment_score":-0.20407472550868988},{"text":"That's really.","start_word":2532,"end_word":2533,"sentiment":"negative","sentiment_score":-0.3362595736980438},{"text":"so you've got Matthew and James split between fifty fifty beneficiaries on Yep. your Australian super and your hub 24. Just double Yep. checking you're still okay for those.","start_word":2534,"end_word":2562,"sentiment":"neutral","sentiment_score":0.10398473590612411},{"text":"Yep. Amazing.","start_word":2563,"end_word":2564,"sentiment":"positive","sentiment_score":0.4990066587924957},{"text":"Did you put in place a will or a power of attorney? Not yet. I'm not dying Okay. yet. No. I know. It's just one of the things where I'm I'm assuming Matthew and James, they're both adult children. Yes. I am. Yep. So it the the thing with wills and power of attorney is it just makes it a little bit easier and quicker for things outside of the super because the super is quite direct. Power of attorney is kind of handy because if you're in hospital and can't act on your own behalf, people can kind of access the bank accounts to make sure the mortgage stays paid. They can talk Yes. to the doctors. Otherwise, they may have to go to the courts and and sue for probate, and that can take some time. So Yes. I just wanted to give you that reminder that it might be handy even if you did, like, a $25 kit from the post office. Okay. Yep. Rather than going through all the rigmarole with solicitors, if you want something simple, there's some options there for you. Okay. Cool. With the insurances, just quickly, I know that with some, like, health concerns and age, we're not trying to get your big bulk of insurance because it might cost $10,000 or something crazy like that. So Mhmm. I just wanted to double check. We've got a little bit of life and TPD cover. Right? Life Yep. and total disability. That's your 15,000 and your 6,000. Income protection is in there. So 2,800 a month worth of income protection. If you're out of work for more than sixty days, it'll pay you monthly for up to five years if you're out of work for that long. And it's K. only I could costing have accessed that when I bloody lost my job. Oh, well. it's only for health and injury. Oh, there you go. Yeah. Yeah. It was one of those funny things. I I get that question all the time about, like, redundancies and that kind of thing. And because of settling, they don't like the competition.","start_word":2565,"end_word":2920,"sentiment":"neutral","sentiment_score":0.017225902538035024},{"text":"Unemployment insurance is illegal in Australia, technically.","start_word":2921,"end_word":2927,"sentiment":"negative","sentiment_score":-0.4185927808284759},{"text":"Yeah. Unless you're in some fancy contract job with a mining company, and then they'll pay you for anything, but you need those perks. $507 per year. So the premiums aren't too expensive. So are you okay to keep that cover still in place even though it slowly reduces over time? I think I will for now because, yeah, who knows what happens with my health? Yep. And at some point, if they tend to, like, cancel with age or they become not appropriate, we can always consolidate the super towards the end when we transition into pension phase and put it all into one pension account. But it's probably nice to just keep something there Okay. even if Yeah. it's not very expensive just for a few years in case you need it. Yeah. K? I did wanna ask a question just because it is important to ask. Are you wanting me to try and obtain new or additional insurances, or are you comfortable just kind of keep what you've got? I think I'll keep what I've got. I think we looked into it when I first come over to Hub, Yeah. and because of the well, because I get DVTs, not that I've had one for years, but the DVTs and now having the type one diabetes, it's really pushed it right, like, very expensive. Yeah. Yep. So I will leave those ones alone for the time Yep. being.","start_word":2928,"end_word":3168,"sentiment":"neutral","sentiment_score":-0.01762722246348858},{"text":"That's all good.","start_word":3169,"end_word":3171,"sentiment":"positive","sentiment_score":0.4037119150161743},{"text":"So what we'll focus on at the moment is a bit of an update to your hub portfolio and a potential movement of funds between AustralianSuper and hub to buy into the market. And Yep. then in two years' time, we'll revisit your risk level and some extra retirement strategies and contribution Okay. strategies. Sound good? That's my complaint. Cool. Now the only thing there is if you still have that email open, we've Yep. sent you there's a number of attachments. So it's got your performance and your summary. There's a financial services guide with our updated licensing information and, like, complaints procedure, areas of advice that we can give, as well as an overview services guide with all the pictures of the team and get to know your team kind of thing. Yes. There is a an updated service agreement in there as well because your service agreement is set to expire in a couple of months. So I wanted to ask you, Josephine, are you still comfortable for us to look after your super?","start_word":3172,"end_word":3348,"sentiment":"neutral","sentiment_score":0.09563380404044006},{"text":"Yes. Perfect. So I believe you are on the 1.65% standard fee at the moment.","start_word":3349,"end_word":3363,"sentiment":"positive","sentiment_score":0.39771443605422974},{"text":"It does cap when you hit 600,000 because we do get clients that kind of get up above that million dollar mark and so on. So we do If put you a can bit get of me a limit.","start_word":3364,"end_word":3402,"sentiment":"neutral","sentiment_score":0.32053765654563904},{"text":"up to 6 if you can get me up to 600,000 in the couple of years, I'll be cheering.","start_word":3403,"end_word":3421,"sentiment":"positive","sentiment_score":0.5370323061943054},{"text":"Yeah. Look. It's it'll be a bit of a little bit of a stretch. Though saying that, and I'm not trying to predict the world or give you promises I can't keep because I don't like overpromising. Seven years, it is possible to kind of double. If you get good returns, good contributions, and good strategies, it's possible to double in seven. I am gonna give you an updated retirement projection. Since you're less than ten years away, I'm gonna sort of show you what it's looking like. Right. Okay? So that will be in the statement of advice as well. It'll probably take me a couple of weeks just to go through a bit of updated research, and then the team will call you to book in, and we can run through that document together. Okay. Awesome. Now when you go through the signature link on that Odoo sign, if you can please see if it will let you draw a signature, that's usually best for most super funds. They don't really like the typed in ones that much. So can you let me know if that pops up and if you've got a bit of a button there to draw on it? Okay. Hang on. Let's have a look I don't know if you're using a phone or a computer. Sometimes it can here. I'm be a using bit funky my as the finger or the mouse. yeah. I'm using my phone. So but I've gotta sign up for the a doo doo doo, whatever it's The order, it should let you jump in without having to set up an account. But what it does is it asks you for consent, like a little consent box saying, do you consent to using digital signatures? called. Okay. Maybe I'll get out of it and try and get back into it. I'm still getting used to the system a little bit myself.","start_word":3422,"end_word":3743,"sentiment":"neutral","sentiment_score":0.05726538397232938},{"text":"It's kind of custom built for us. It's brilliant.","start_word":3744,"end_word":3752,"sentiment":"positive","sentiment_score":0.492850661277771},{"text":"Does so many cool things, but it's very, very new for us. So I'm still getting used to it. So I either have to sign up or download? Sign up or download. Yep. That's not what I usually see on there. So that was so there would have been a link in that Odoo email, and it popped you onto a website. It's asking you to sign up or download. Does that mean that you've already signed it and it's asking you to download a signed copy? Or Maybe. let me let me have a quick look on my section Thank here. you. Maybe you've skipped ahead. Let me have a quick look. I'll go into the sign here. You did. Oh, there you go. It I must have hit a button that I didn't realize. No. That's okay. So you have you've hit the approve. It's kind of stamped a signature on there. That download button is so you can download a signed copy for your own record. So if that's handy for you, that would be nice. Right. So guess what? It didn't give me the option to hand sign then. No. That's okay. I think it should be fine. Hub's usually pretty good with it. Some providers, they like a bit of a, like, even wet sign signatures still these days. When we do Australian Subaru, I'll make sure the team checks what they do and don't accept. Yep.","start_word":3753,"end_word":3994,"sentiment":"neutral","sentiment_score":0.008282476104795933},{"text":"Awesome, Josephine. It's been an absolute pleasure today.","start_word":3995,"end_word":4002,"sentiment":"positive","sentiment_score":0.7013821005821228},{"text":"Do you have any questions for me? No. We've answered everything.","start_word":4003,"end_word":4013,"sentiment":"neutral","sentiment_score":0.10945845598524268},{"text":"Perfect. So I will go away in the background with my team and do all the research and put that document together.","start_word":4014,"end_word":4035,"sentiment":"positive","sentiment_score":0.42503470182418823},{"text":"You will hear from us in a fortnight to book Yep. in to go through that because I'm going on paternity leave in June with Oh, lucky you. my my third.","start_word":4036,"end_word":4066,"sentiment":"neutral","sentiment_score":0.1887083649635315},{"text":"I've got a daughter on the way now for the two boys. Oh, that's awesome. So I'm very excited, but I wanna make sure I get everything sorted for you before I go. Alright. No worries. Awesome, Joe. You have a fantastic day. I'll shoot you off the usual satisfaction link if you're happy with today's review, and Yep. I shall talk to you in a couple of Awesome. Look forward to it.","start_word":4067,"end_word":4139,"sentiment":"positive","sentiment_score":0.5033828616142273},{"text":"weeks.","start_word":4140,"end_word":4140,"sentiment":"neutral","sentiment_score":0.24156224727630615},{"text":"Thanks, Joe. Bye. Thank you. Bye.","start_word":4141,"end_word":4146,"sentiment":"positive","sentiment_score":0.5360965728759766}],"average":{"sentiment":"neutral","sentiment_score":0.08846713137063521}}}}