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That's okay. The line is really, really quiet. Are you able to be closer to the mic? No. Not really. It sounds like you're in a box. Yeah. I can Yeah. If you can talk a little bit like like I can barely barely hear you, so it's a bit harder. Yeah. I I can hear you now, but it's it's just really quiet. Yeah. Okay. Yes. So all good. No mobility. Yeah. Yeah. Yeah. I'm just kind of, like, looking at, like, how to shape my how to shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund. So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick. Yeah. That yeah. That was the sustainability funds that were kind of flagging. Yep. Yes. Yeah. Yeah. No. I I get it. I'm just like like, the in between mindset of moving away from the sustainability one and and just focusing on growth in the in the in the near future. Yeah. So so I'm kind of leaning towards, for for now at least, to move away a bit from the the heavy ethical ones. I'm kind of not not very asked about it, to be honest. Yeah. Obviously, like, fat labor and and war and that sort of, like, I don't support that sort of stuff. The cycle, I'm just a bit, like, indifferent, to be honest. Yes. Yes. Yes. Yes. Yeah. So I've my my business is up and running, and I've been, well, operating basically for about a year now. And during the year, I have done some contributions, but not to the same level what I was doing when I was full time employed. Yes. Yeah. I tried to do monthly, at least. It was probably close to the what what I put in in of February, February. So that yeah. And I think that was a a two week. Maybe was it that a full month or or just a fortnightly? I don't remember. Probably a full like a full month. Yeah. Yeah. Yeah. So how much is the super is it is it 12% at the moment, or how much do it's the standard? 12. Okay. Three. Yeah. That's probably right. So it's a month it's a monthly twelve month twelve hundred a month. Yeah. So I it's between $1.20 and $1.50 annual. Yeah. Yes. Yes. Yeah. So the yeah. So the prop we've settled the the property, so he ended up buying me out. So I got a bit of cash from from that now. Yeah. I think that was where we landed on. Probably a bit more, but yeah. Yeah. Just leave it at one nine. Yeah. So I don't have a mortgage anymore, so he probably bought me out. So yeah. Yes. So I I have cash savings now. I no longer have the offset account, but, like, I've got about 400 k in savings. Yeah. So crypto are going up to 20, and I think the EPS is still around 15. Yes. Yeah. I'd like to change that. Can can I just use my kids, or is it it needs to be a grown up? Yeah. Yeah. Okay. Well, then use my current partner. So Tiago, t h I a g o, Olivera. So that's olive as in the olive, and and I r a. Let me just quickly get it. 0497277 227. Living together. Yep. Yeah. Yeah. If you could do that, that would be great. I don't have a printer, so call us with me. Okay. Thanks. Yeah. That's the main main thing, really. Yeah. I think that's that was just recently done, so I think that's fine. It's on the computer's test. Okay. Sounds good. No. I think that's so one thing that was on my mind for a little while. So the so I've heard people are using the super also for buying investment property. Do you do that sort of stuff at all, or is it you're mainly just doing managing the funds as as a that way? Yeah. I've heard of it. Yeah. Okay. Yeah. Okay. Yep. Yeah. Okay. So it might not be the time for us now, so I'll leave it as it is. Yeah. Okay. Alright. Well, worth asking. Yeah. Yeah. Okay. Thank you. No. That's it. Thank you. You too. 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Samantha. Sorry. I just missed a call from Veronica. Tina Carpenter. Yes.\n\n04/28/1982. Mhmm. And 4949 A Roadmasterite D Y. Thank you. Hi, Veronica.\n\nI'm good. Thank you. How are you? That's okay. The line is really, really quiet.\n\nAre you able to be closer to the mic? No. Not really. It sounds like you're in a box. Yeah.\n\nI can Yeah. If you can talk a little bit like like I can barely barely hear you, so it's a bit harder. Yeah. I I can hear you now, but it's it's just really quiet. Yeah.\n\nOkay. Yes. So all good. No mobility. Yeah.\n\nYeah. Yeah. I'm just kind of, like, looking at, like, how to shape my how to shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund. So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick. Yeah.\n\nThat yeah. That was the sustainability funds that were kind of flagging. Yep. Yes. Yeah.\n\nYeah. No. I I get it. I'm just like like, the in between mindset of moving away from the sustainability one and and just focusing on growth in the in the in the near future. Yeah.\n\nSo so I'm kind of leaning towards, for for now at least, to move away a bit from the the heavy ethical ones. I'm kind of not not very asked about it, to be honest. Yeah. Obviously, like, fat labor and and war and that sort of, like, I don't support that sort of stuff. The cycle, I'm just a bit, like, indifferent, to be honest.\n\nYes. Yes. Yes. Yes. Yeah.\n\nSo I've my my business is up and running, and I've been, well, operating basically for about a year now. And during the year, I have done some contributions, but not to the same level what I was doing when I was full time employed. Yes. Yeah. I tried to do monthly, at least.\n\nIt was probably close to the what what I put in in of February, February. So that yeah. And I think that was a a two week. Maybe was it that a full month or or just a fortnightly? I don't remember.\n\nProbably a full like a full month. Yeah. Yeah. Yeah. So how much is the super is it is it 12% at the moment, or how much do it's the standard?\n\n12. Okay. Three. Yeah. That's probably right.\n\nSo it's a month it's a monthly twelve month twelve hundred a month. Yeah. So I it's between $1.20 and $1.50 annual. Yeah. Yes.\n\nYes. Yeah. So the yeah. So the prop we've settled the the property, so he ended up buying me out. So I got a bit of cash from from that now.\n\nYeah. I think that was where we landed on. Probably a bit more, but yeah. Yeah. Just leave it at one nine.\n\nYeah. So I don't have a mortgage anymore, so he probably bought me out. So yeah. Yes. So I I have cash savings now.\n\nI no longer have the offset account, but, like, I've got about 400 k in savings. Yeah. So crypto are going up to 20, and I think the EPS is still around 15. Yes. Yeah.\n\nI'd like to change that. Can can I just use my kids, or is it it needs to be a grown up? Yeah. Yeah. Okay.\n\nWell, then use my current partner. So Tiago, t h I a g o, Olivera. So that's olive as in the olive, and and I r a. Let me just quickly get it. 0497277 227.\n\nLiving together. Yep. Yeah. Yeah. If you could do that, that would be great.\n\nI don't have a printer, so call us with me. Okay. Thanks. Yeah. That's the main main thing, really.\n\nYeah. I think that's that was just recently done, so I think that's fine. It's on the computer's test. Okay. Sounds good.\n\nNo. I think that's so one thing that was on my mind for a little while. So the so I've heard people are using the super also for buying investment property. Do you do that sort of stuff at all, or is it you're mainly just doing managing the funds as as a that way? Yeah.\n\nI've heard of it. Yeah. Okay. Yeah. Okay.\n\nYep. Yeah. Okay. So it might not be the time for us now, so I'll leave it as it is. Yeah.\n\nOkay. Alright. Well, worth asking. Yeah. Yeah.\n\nOkay. Thank you. No. That's it. Thank you.\n\nYou too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi, Samantha.","start":5.3599997,"end":6.1,"sentiment":"neutral","sentiment_score":0.04369986057281494},{"text":"Sorry.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":-0.08948898315429688},{"text":"I just missed a call from Veronica.","start":6.56,"end":8.26,"sentiment":"neutral","sentiment_score":-0.12299047410488129},{"text":"Tina Carpenter.","start":12.559999,"end":13.46,"sentiment":"neutral","sentiment_score":0.040933575481176376},{"text":"Yes.","start":22.475,"end":22.975,"sentiment":"neutral","sentiment_score":0.12450382858514786}],"sentiment":"neutral","sentiment_score":-0.05051166163041042,"num_words":13,"start":5.3599997,"end":22.975},{"sentences":[{"text":"04/28/1982.","start":33.190002,"end":35.53,"sentiment":"neutral","sentiment_score":0.019721699878573418},{"text":"Mhmm.","start":36.79,"end":37.29,"sentiment":"neutral","sentiment_score":0.02659079059958458},{"text":"And 4949 A Roadmasterite D Y.","start":37.35,"end":42.435,"sentiment":"neutral","sentiment_score":0.03626001626253128},{"text":"Thank you.","start":48.575,"end":49.315002,"sentiment":"positive","sentiment_score":0.5549361705780029},{"text":"Hi, Veronica.","start":84.99,"end":85.73,"sentiment":"neutral","sentiment_score":0.2700251042842865}],"sentiment":"neutral","sentiment_score":0.15948292814816037,"num_words":12,"start":33.190002,"end":85.73},{"sentences":[{"text":"I'm good.","start":85.79,"end":86.19,"sentiment":"positive","sentiment_score":0.42793750762939453},{"text":"Thank you.","start":86.19,"end":86.51,"sentiment":"positive","sentiment_score":0.5009881258010864},{"text":"How are you?","start":86.51,"end":87.25,"sentiment":"neutral","sentiment_score":0.279877632856369},{"text":"That's okay.","start":91.39,"end":92.21,"sentiment":"neutral","sentiment_score":0.19329899549484253},{"text":"The line is really, really quiet.","start":92.43,"end":94.19,"sentiment":"neutral","sentiment_score":-0.11663343260685603}],"sentiment":"neutral","sentiment_score":0.15895210405190785,"num_words":15,"start":85.79,"end":94.19},{"sentences":[{"text":"Are you able to be closer to the mic?","start":94.19,"end":96.075,"sentiment":"neutral","sentiment_score":-0.04270981210801336},{"text":"No.","start":99.91499,"end":100.155,"sentiment":"neutral","sentiment_score":-0.25240013003349304},{"text":"Not really.","start":100.155,"end":100.875,"sentiment":"neutral","sentiment_score":-0.27990269660949707},{"text":"It sounds like you're in a box.","start":100.875,"end":102.735,"sentiment":"neutral","sentiment_score":-0.22185164902891433},{"text":"Yeah.","start":111.71001,"end":112.19,"sentiment":"neutral","sentiment_score":-0.11271418631076811}],"sentiment":"neutral","sentiment_score":-0.1431134780868888,"num_words":20,"start":94.19,"end":112.19},{"sentences":[{"text":"I can Yeah.","start":112.19,"end":118.590004,"sentiment":"neutral","sentiment_score":-0.13322916875282922},{"text":"If you can talk a little bit like like I can barely barely hear you, so it's a bit harder.","start":118.590004,"end":122.69,"sentiment":"neutral","sentiment_score":-0.3129283271729946},{"text":"Yeah.","start":136.62,"end":137.01999,"sentiment":"neutral","sentiment_score":-0.07214540243148804},{"text":"I I can hear you now, but it's it's just really quiet.","start":137.01999,"end":139.59999,"sentiment":"neutral","sentiment_score":-0.0792043764765064},{"text":"Yeah.","start":149.34,"end":149.84,"sentiment":"neutral","sentiment_score":-0.01165371760725975}],"sentiment":"neutral","sentiment_score":-0.20790555912095146,"num_words":37,"start":112.19,"end":149.84},{"sentences":[{"text":"Okay.","start":151.72499,"end":152.22499,"sentiment":"neutral","sentiment_score":0.05063842982053757},{"text":"Yes.","start":156.28499,"end":156.78499,"sentiment":"neutral","sentiment_score":0.12714368104934692},{"text":"So all good.","start":157.64499,"end":158.70499,"sentiment":"positive","sentiment_score":0.40630926688512164},{"text":"No mobility.","start":158.845,"end":159.58499,"sentiment":"neutral","sentiment_score":0.03341859579086304},{"text":"Yeah.","start":170.61,"end":171.11,"sentiment":"neutral","sentiment_score":0.05491877347230911}],"sentiment":"neutral","sentiment_score":0.18980823457241058,"num_words":8,"start":151.72499,"end":171.11},{"sentences":[{"text":"Yeah.","start":171.57,"end":172.07,"sentiment":"neutral","sentiment_score":0.055305808782577515},{"text":"Yeah.","start":180.535,"end":180.775,"sentiment":"neutral","sentiment_score":0.018383385613560677},{"text":"I'm just kind of, like, looking at, like, how to shape my how to shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund.","start":180.775,"end":204.8,"sentiment":"neutral","sentiment_score":-0.053497113882062526},{"text":"So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick.","start":204.8,"end":214.715,"sentiment":"neutral","sentiment_score":-0.015383536341570078},{"text":"Yeah.","start":234.67,"end":235.06999,"sentiment":"neutral","sentiment_score":-0.038709819316864014}],"sentiment":"neutral","sentiment_score":-0.039588107614580426,"num_words":99,"start":171.57,"end":235.06999},{"sentences":[{"text":"That yeah.","start":235.06999,"end":235.79,"sentiment":"neutral","sentiment_score":-0.06184223294258118},{"text":"That was the sustainability funds that were kind of flagging.","start":235.79,"end":239.09,"sentiment":"neutral","sentiment_score":-0.17032116577029227},{"text":"Yep.","start":287.73,"end":288.23,"sentiment":"neutral","sentiment_score":0.013939290307462215},{"text":"Yes.","start":348.72,"end":349.22,"sentiment":"neutral","sentiment_score":0.0655733048915863},{"text":"Yeah.","start":376.3,"end":376.8,"sentiment":"neutral","sentiment_score":-0.009236659854650496}],"sentiment":"neutral","sentiment_score":-0.11710801254957914,"num_words":15,"start":235.06999,"end":376.8},{"sentences":[{"text":"Yeah.","start":377.02,"end":377.34,"sentiment":"neutral","sentiment_score":-0.014516687020659448},{"text":"No.","start":377.34,"end":377.65997,"sentiment":"neutral","sentiment_score":-0.17242884635925293},{"text":"I I get it.","start":377.65997,"end":378.46,"sentiment":"neutral","sentiment_score":-0.1481550857424736},{"text":"I'm just like like, the in between mindset of moving away from the sustainability one and and just focusing on growth in the in the in the near future.","start":378.46,"end":392.57498,"sentiment":"neutral","sentiment_score":-0.010332717913491973},{"text":"Yeah.","start":447.575,"end":448.075,"sentiment":"neutral","sentiment_score":-0.04263295978307724}],"sentiment":"neutral","sentiment_score":-0.031162434878448646,"num_words":36,"start":377.02,"end":448.075},{"sentences":[{"text":"So so I'm kind of leaning towards, for for now at least, to move away a bit from the the heavy ethical ones.","start":448.855,"end":457.65,"sentiment":"neutral","sentiment_score":-0.16807368397712708},{"text":"I'm kind of not not very asked about it, to be honest.","start":489.37,"end":496.055,"sentiment":"neutral","sentiment_score":-0.07765140539656083},{"text":"Yeah.","start":503.31497,"end":503.63498,"sentiment":"neutral","sentiment_score":0.032965175807476044},{"text":"Obviously, like, fat labor and and war and that sort of, like, I don't support that sort of stuff.","start":503.63498,"end":508.58,"sentiment":"neutral","sentiment_score":-0.22876239969934287},{"text":"The cycle, I'm just a bit, like, indifferent, to be honest.","start":508.58,"end":512.12,"sentiment":"neutral","sentiment_score":-0.2190877984870564}],"sentiment":"neutral","sentiment_score":-0.17456057269803502,"num_words":66,"start":448.855,"end":512.12},{"sentences":[{"text":"Yes.","start":544.63,"end":545.13,"sentiment":"neutral","sentiment_score":0.12360239028930664},{"text":"Yes.","start":548.415,"end":548.915,"sentiment":"positive","sentiment_score":0.3345886468887329},{"text":"Yes.","start":560.57495,"end":560.65497,"sentiment":"neutral","sentiment_score":0.10685780644416808},{"text":"Yes.","start":560.65497,"end":561.15497,"sentiment":"neutral","sentiment_score":0.1104937493801117},{"text":"Yeah.","start":589.8,"end":590.12,"sentiment":"neutral","sentiment_score":0.06395158171653748}],"sentiment":"neutral","sentiment_score":0.14789883494377137,"num_words":5,"start":544.63,"end":590.12},{"sentences":[{"text":"So I've my my business is up and running, and I've been, well, operating basically for about a year now.","start":590.12,"end":597.42,"sentiment":"neutral","sentiment_score":0.1522055946290493},{"text":"And during the year, I have done some contributions, but not to the same level what I was doing when I was full time employed.","start":597.96,"end":607.125,"sentiment":"neutral","sentiment_score":-0.0178689231723547},{"text":"Yes.","start":640.245,"end":640.745,"sentiment":"neutral","sentiment_score":0.04758906736969948},{"text":"Yeah.","start":657.005,"end":657.505,"sentiment":"neutral","sentiment_score":0.0120900496840477},{"text":"I tried to do monthly, at least.","start":680.44995,"end":683.35,"sentiment":"neutral","sentiment_score":0.016425147918718203}],"sentiment":"neutral","sentiment_score":0.05133414751401654,"num_words":54,"start":590.12,"end":683.35},{"sentences":[{"text":"It was probably close to the what what I put in in of February, February.","start":692.985,"end":699.725,"sentiment":"neutral","sentiment_score":0.025523231054345768},{"text":"So that yeah.","start":701.44,"end":703.68,"sentiment":"neutral","sentiment_score":0.025513991713523865},{"text":"And I think that was a a two week.","start":703.68,"end":705.78,"sentiment":"neutral","sentiment_score":0.010631652341948615},{"text":"Maybe was it that a full month or or just a fortnightly?","start":706.4,"end":714.18,"sentiment":"neutral","sentiment_score":0.003376356690447816},{"text":"I don't remember.","start":714.24,"end":715.06,"sentiment":"neutral","sentiment_score":-0.02652840254207452}],"sentiment":"neutral","sentiment_score":0.012285866302201092,"num_words":42,"start":692.985,"end":715.06},{"sentences":[{"text":"Probably a full like a full month.","start":715.495,"end":727.275,"sentiment":"neutral","sentiment_score":0.0009666312752025468},{"text":"Yeah.","start":727.41504,"end":727.91504,"sentiment":"neutral","sentiment_score":0.014313199557363989},{"text":"Yeah.","start":728.375,"end":728.875,"sentiment":"neutral","sentiment_score":0.015540951862931252},{"text":"Yeah.","start":729.41504,"end":729.91504,"sentiment":"neutral","sentiment_score":0.018120862543582916},{"text":"So how much is the super is it is it 12% at the moment, or how much do it's the standard?","start":734.07,"end":739.13,"sentiment":"neutral","sentiment_score":0.017531263109828745}],"sentiment":"neutral","sentiment_score":0.013641869619248374,"num_words":31,"start":715.495,"end":739.13},{"sentences":[{"text":"12.","start":740.95,"end":741.45,"sentiment":"neutral","sentiment_score":0.004032059572637081},{"text":"Okay.","start":741.58997,"end":742.08997,"sentiment":"neutral","sentiment_score":0.016427265480160713},{"text":"Three.","start":743.11,"end":743.61,"sentiment":"neutral","sentiment_score":0.015029601752758026},{"text":"Yeah.","start":744.285,"end":744.52496,"sentiment":"neutral","sentiment_score":0.032746151089668274},{"text":"That's probably right.","start":744.52496,"end":745.745,"sentiment":"neutral","sentiment_score":0.05651686961452166}],"sentiment":"neutral","sentiment_score":0.03396938381982701,"num_words":7,"start":740.95,"end":745.745},{"sentences":[{"text":"So it's a month it's a monthly twelve month twelve hundred a month.","start":746.365,"end":749.58496,"sentiment":"neutral","sentiment_score":0.01884635043545411},{"text":"Yeah.","start":772.17505,"end":772.55505,"sentiment":"neutral","sentiment_score":0.03646251559257507},{"text":"So I it's between $1.20 and $1.50 annual.","start":772.55505,"end":776.515,"sentiment":"neutral","sentiment_score":0.03714170469902456},{"text":"Yeah.","start":784.895,"end":785.395,"sentiment":"positive","sentiment_score":0.5782016515731812},{"text":"Yes.","start":797.18,"end":797.68,"sentiment":"neutral","sentiment_score":0.04053206741809845}],"sentiment":"neutral","sentiment_score":0.049888851159873106,"num_words":24,"start":746.365,"end":797.68},{"sentences":[{"text":"Yes.","start":808.635,"end":809.135,"sentiment":"neutral","sentiment_score":0.0113229937851429},{"text":"Yeah.","start":809.67505,"end":809.995,"sentiment":"neutral","sentiment_score":-0.003444516099989414},{"text":"So the yeah.","start":809.995,"end":812.22,"sentiment":"neutral","sentiment_score":-0.03581661110122999},{"text":"So the prop we've settled the the property, so he ended up buying me out.","start":812.22,"end":817.18,"sentiment":"neutral","sentiment_score":-0.16480693022410076},{"text":"So I got a bit of cash from from that now.","start":817.18,"end":820.8,"sentiment":"neutral","sentiment_score":0.01743638396940448}],"sentiment":"neutral","sentiment_score":-0.07677016404247092,"num_words":31,"start":808.635,"end":820.8},{"sentences":[{"text":"Yeah.","start":828.255,"end":828.575,"sentiment":"neutral","sentiment_score":0.021161649376153942},{"text":"I think that was where we landed on.","start":828.575,"end":831.315,"sentiment":"neutral","sentiment_score":0.020811338210478425},{"text":"Probably a bit more, but yeah.","start":832.175,"end":834.035,"sentiment":"neutral","sentiment_score":-0.03697573114186525},{"text":"Yeah.","start":838.255,"end":838.495,"sentiment":"neutral","sentiment_score":-0.009074609726667404},{"text":"Just leave it at one nine.","start":838.495,"end":839.955,"sentiment":"neutral","sentiment_score":-0.00709025003015995}],"sentiment":"neutral","sentiment_score":-0.003900824622674422,"num_words":22,"start":828.255,"end":839.955},{"sentences":[{"text":"Yeah.","start":846.81,"end":847.13,"sentiment":"neutral","sentiment_score":-0.06555438786745071},{"text":"So I don't have a mortgage anymore, so he probably bought me out.","start":847.13,"end":851.20996,"sentiment":"neutral","sentiment_score":-0.20450466871261597},{"text":"So yeah.","start":851.20996,"end":852.02997,"sentiment":"neutral","sentiment_score":0.03190097212791443},{"text":"Yes.","start":854.765,"end":855.265,"sentiment":"neutral","sentiment_score":0.11976861953735352},{"text":"So I I have cash savings now.","start":868.045,"end":872.2,"sentiment":"neutral","sentiment_score":0.06081731244921684}],"sentiment":"neutral","sentiment_score":-0.08811763875807326,"num_words":24,"start":846.81,"end":872.2},{"sentences":[{"text":"I no longer have the offset account, but, like, I've got about 400 k in savings.","start":872.98,"end":878.44,"sentiment":"neutral","sentiment_score":0.02761793090030551},{"text":"Yeah.","start":888.77496,"end":889.27496,"sentiment":"neutral","sentiment_score":0.11105220019817352},{"text":"So crypto are going up to 20, and I think the EPS is still around 15.","start":892.535,"end":898.44995,"sentiment":"neutral","sentiment_score":0.10619673831388354},{"text":"Yes.","start":915.76495,"end":916.26495,"sentiment":"neutral","sentiment_score":0.0939461886882782},{"text":"Yeah.","start":931.62,"end":932.01996,"sentiment":"neutral","sentiment_score":0.04755202680826187}],"sentiment":"neutral","sentiment_score":0.06838814637490681,"num_words":35,"start":872.98,"end":932.01996},{"sentences":[{"text":"I'd like to change that.","start":932.01996,"end":933.48,"sentiment":"neutral","sentiment_score":0.07309161946177482},{"text":"Can can I just use my kids, or is it it needs to be a grown up?","start":934.25995,"end":938.19995,"sentiment":"neutral","sentiment_score":0.02219107484116274},{"text":"Yeah.","start":949.365,"end":949.865,"sentiment":"neutral","sentiment_score":-0.021998394280672073},{"text":"Yeah.","start":951.30005,"end":951.54004,"sentiment":"neutral","sentiment_score":0.011347591876983644},{"text":"Okay.","start":951.54004,"end":952.04004,"sentiment":"neutral","sentiment_score":0.017613273113965988}],"sentiment":"neutral","sentiment_score":0.02998675361275673,"num_words":25,"start":932.01996,"end":952.04004},{"sentences":[{"text":"Well, then use my current partner.","start":952.58,"end":955.56,"sentiment":"neutral","sentiment_score":0.02300518409659465},{"text":"So Tiago, t h I a g o, Olivera.","start":955.7,"end":967.915,"sentiment":"neutral","sentiment_score":0.026990036583609052},{"text":"So that's olive as in the olive, and and I r a.","start":968.21497,"end":974.15497,"sentiment":"neutral","sentiment_score":0.02070531660380463},{"text":"Let me just quickly get it.","start":981.53,"end":983.31,"sentiment":"neutral","sentiment_score":0.06428161015113194},{"text":"0497277 227.","start":996.555,"end":1005.215,"sentiment":"neutral","sentiment_score":0.008058900479227304}],"sentiment":"neutral","sentiment_score":0.029463219855512892,"num_words":35,"start":952.58,"end":1005.215},{"sentences":[{"text":"Living together.","start":1016.51,"end":1017.41,"sentiment":"neutral","sentiment_score":0.14757584780454636},{"text":"Yep.","start":1027.085,"end":1027.585,"sentiment":"neutral","sentiment_score":0.06771205365657806},{"text":"Yeah.","start":1034.23,"end":1034.73,"sentiment":"neutral","sentiment_score":0.032260410487651825},{"text":"Yeah.","start":1037.75,"end":1038.15,"sentiment":"neutral","sentiment_score":0.07700696587562561},{"text":"If you could do that, that would be great.","start":1038.15,"end":1039.93,"sentiment":"neutral","sentiment_score":0.19814580182234445}],"sentiment":"neutral","sentiment_score":0.16110309585928917,"num_words":14,"start":1016.51,"end":1039.93},{"sentences":[{"text":"I don't have a printer, so call us with me.","start":1047.935,"end":1050.5751,"sentiment":"neutral","sentiment_score":-0.027024805918335913},{"text":"Okay.","start":1050.5751,"end":1051.0751,"sentiment":"neutral","sentiment_score":0.09495742619037628},{"text":"Thanks.","start":1057.135,"end":1057.635,"sentiment":"positive","sentiment_score":0.40700995922088623},{"text":"Yeah.","start":1071.44,"end":1071.76,"sentiment":"neutral","sentiment_score":0.0707990750670433},{"text":"That's the main main thing, really.","start":1071.76,"end":1073.7,"sentiment":"neutral","sentiment_score":0.13398181398709616}],"sentiment":"neutral","sentiment_score":0.05823206764302755,"num_words":19,"start":1047.935,"end":1073.7},{"sentences":[{"text":"Yeah.","start":1078.945,"end":1079.345,"sentiment":"neutral","sentiment_score":0.03758775070309639},{"text":"I think that's that was just recently done, so I think that's fine.","start":1079.345,"end":1082.965,"sentiment":"neutral","sentiment_score":0.0955716586456849},{"text":"It's on the computer's test.","start":1097.69,"end":1099.3099,"sentiment":"neutral","sentiment_score":0.0150639109313488},{"text":"Okay.","start":1121.3099,"end":1121.7899,"sentiment":"neutral","sentiment_score":0.2747601270675659},{"text":"Sounds good.","start":1121.7899,"end":1122.61,"sentiment":"positive","sentiment_score":0.4079209417104721}],"sentiment":"neutral","sentiment_score":0.11117913082919338,"num_words":22,"start":1078.945,"end":1122.61},{"sentences":[{"text":"No.","start":1133.6849,"end":1134.085,"sentiment":"neutral","sentiment_score":-0.07725600898265839},{"text":"I think that's so one thing that was on my mind for a little while.","start":1134.085,"end":1140.005,"sentiment":"neutral","sentiment_score":-0.12308259258667628},{"text":"So the so I've heard people are using the super also for buying investment property.","start":1140.005,"end":1148.1,"sentiment":"neutral","sentiment_score":-0.004162391647696495},{"text":"Do you do that sort of stuff at all, or is it you're mainly just doing managing the funds as as a that way?","start":1148.24,"end":1155.5399,"sentiment":"neutral","sentiment_score":-0.027115550823509693},{"text":"Yeah.","start":1168.5651,"end":1169.0651,"sentiment":"neutral","sentiment_score":-0.0015967600047588348}],"sentiment":"neutral","sentiment_score":-0.0471125134333436,"num_words":56,"start":1133.6849,"end":1169.0651},{"sentences":[{"text":"I've heard of it.","start":1170.0499,"end":1171.01,"sentiment":"neutral","sentiment_score":-0.013782126130536199},{"text":"Yeah.","start":1171.01,"end":1171.51,"sentiment":"neutral","sentiment_score":0.009242868050932884},{"text":"Okay.","start":1248.985,"end":1249.485,"sentiment":"neutral","sentiment_score":0.05103063955903053},{"text":"Yeah.","start":1258.29,"end":1258.61,"sentiment":"neutral","sentiment_score":0.039620399475097656},{"text":"Okay.","start":1258.61,"end":1259.11,"sentiment":"neutral","sentiment_score":0.08017952740192413}],"sentiment":"neutral","sentiment_score":0.015618116245605052,"num_words":8,"start":1170.0499,"end":1259.11},{"sentences":[{"text":"Yep.","start":1270.825,"end":1271.325,"sentiment":"neutral","sentiment_score":0.0745415911078453},{"text":"Yeah.","start":1275.3049,"end":1275.8049,"sentiment":"neutral","sentiment_score":0.19180598855018616},{"text":"Okay.","start":1279.705,"end":1279.945,"sentiment":"neutral","sentiment_score":0.008259762078523636},{"text":"So it might not be the time for us now, so I'll leave it as it is.","start":1279.945,"end":1283.8049,"sentiment":"neutral","sentiment_score":-0.15672949920682347},{"text":"Yeah.","start":1299.2051,"end":1299.365,"sentiment":"neutral","sentiment_score":-0.09469261765480042}],"sentiment":"neutral","sentiment_score":-0.11830889344924972,"num_words":21,"start":1270.825,"end":1299.365},{"sentences":[{"text":"Okay.","start":1299.365,"end":1299.865,"sentiment":"neutral","sentiment_score":-0.03987957164645195},{"text":"Alright.","start":1299.925,"end":1300.425,"sentiment":"neutral","sentiment_score":0.06555929780006409},{"text":"Well, worth asking.","start":1300.885,"end":1301.785,"sentiment":"neutral","sentiment_score":0.06806633869806926},{"text":"Yeah.","start":1303.125,"end":1303.625,"sentiment":"neutral","sentiment_score":0.021428754553198814},{"text":"Yeah.","start":1306.165,"end":1306.5651,"sentiment":"neutral","sentiment_score":0.17672832310199738}],"sentiment":"neutral","sentiment_score":0.06114797427185944,"num_words":7,"start":1299.365,"end":1306.5651},{"sentences":[{"text":"Okay.","start":1306.5651,"end":1307.0651,"sentiment":"neutral","sentiment_score":0.19888006150722504},{"text":"Thank you.","start":1307.365,"end":1308.105,"sentiment":"positive","sentiment_score":0.6883917152881622},{"text":"No.","start":1309.925,"end":1310.085,"sentiment":"neutral","sentiment_score":0.026783663779497147},{"text":"That's it.","start":1310.085,"end":1310.8251,"sentiment":"neutral","sentiment_score":0.10139372572302818},{"text":"Thank you.","start":1316.63,"end":1317.03,"sentiment":"positive","sentiment_score":0.760024219751358}],"sentiment":"positive","sentiment_score":0.4156603808514774,"num_words":8,"start":1306.5651,"end":1317.03},{"sentences":[{"text":"You too.","start":1317.03,"end":1317.61,"sentiment":"positive","sentiment_score":0.4641888290643692},{"text":"Bye bye.","start":1319.59,"end":1320.25,"sentiment":"neutral","sentiment_score":0.024146080017089844}],"sentiment":"neutral","sentiment_score":0.24416745454072952,"num_words":4,"start":1317.03,"end":1320.25}]}}]},{"alternatives":[{"transcript":"Good morning. Oakview Financial. This is Samantha. Oh, yes. Not a problem. What was your full name? Okay, Tina. What I'll do is I'll just transfer you through to Veronica. Was now still a good time to have your chat with Veronica? Yep. Okay. Perfect. So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address. Yep. Yes. Perfect. That's what we've got here, Tina. I'll just transfer you through to Veronica, and she'll be the next person you speak with. Thank you. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. Good morning, Tina. This is Veronica. How are you? Yeah. Good. Thanks. Thanks for returning my call. Is that any better? Okay. I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth. So I can't adjust it. But I'll see if I can turn it up, or maybe I'll just talk a bit louder, and I'll just have to apologize for my colleagues. Yeah. Okay. Well, I'll just talk a just let me know to say, oh, sorry. And hopefully if not, I can try calling you back and see if the line somehow if it's really hard. Okay. Okay. Yeah. I have it on Mac, so I'm not sure if it's my end or if it's on your side, but I'll I'll just try to be a little bit louder. And, yeah, let me know if you if you can't hear me. How's your morning been so far? Been busy or just kind of getting started? Oh, that's good. Now I did have you booked in because you wanted to talk a little bit about your investment, is that right, in your super? Yeah. And was there anything, you know, particular in regards to your investments? Or mhmm. Yes. Yeah. And I'm I'm having a bit of a look at your account at the moment. And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability. Is those two you were kinda focusing on as well? Yeah. And it is quite it is quite, I guess, on point of the market and everything like that at the moment because of how those investments are structured and the design focus and, obviously, what is going on in the market. Because at the moment, with your portfolio, we do have you in a high growth portfolio, which do seem to see short term fluctuations a little bit in, obviously, long term trying to maximize the growth. And then, also, we do have the investments specifically targeted for the quite heavy ethical tool. So that is kind of, you know, the the foundation of the portfolio of how it's been constructed a little bit differently to kind of have that heavy ethical leaning option. And because of that, then, obviously, that kind of restricts a little bit of some investments. Obviously, make sure that we narrow down through what's obviously important to you as well with, obviously, the values around the ethical. Now if we were to kind of stay away or not have as heavy ethical tilt, there are better performing options out there, but it also comes into play well what is really important to you when it comes to the ethical, which kind of lead way is important. And if we look at, for example, the global sustainability, which is one of those that is a bigger portion of the portfolio, that kind of the foundation, that portfolio avoids fossil fuels and other industries that don't meet the sustainability standard as well. And because of that, it kind of excludes sectors like traditional energy, for example, that at the moment have performed pretty strongly. So because they don't own them, that hasn't obviously benefited from that rally at the moment. It also has a strong tilt towards quality global growth companies. And when the markets kind of rotate away from growth stocks for a period of time, also, the performance can look a little bit weaker. But it's kind of more like a cyclical trend, not like a structural issue with the that investment, if that makes sense. Yeah. Yeah. Yeah. Yeah. And there is also, like it depends, I guess, with how heavy ethical because most of the investments that we would select in a if we call it a non typical investment, just like a a kind of a standard, they still exclude like, we don't have any investments that, like, includes, like, all cost of tearing, all done, or child labor, and stuff like that. We have that excludes tobacco as well. So if for you, it's more important to kind of have an in between where you want the growth and, let's say, those areas are the most important to you, that gives me more flexibility of potentially relook at the portfolio. But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment. Does that make sense? Yeah. Yep. Okay. Yep. Yep. And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor. How do you feel about tobacco? Is that really important to you? Because some of the big ETFs have a little bit of tobacco underlying in them. I can choose other option that doesn't if it's really important to you or if it's not too much of a preference. Okay. Okay. It's more okay. It's it's more the other areas like Warringdon and child labor, and stuff like that that's kind of higher up on the priority list? Yep. Yes. Yes. Yeah. Okay. Okay. Well, that's good. I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well. Because, obviously, the Australian share market is quite heavily driven by banks and mining companies. And at the moment, the investments that we have in Australia does exclude those as well. So if we can kind of incorporate at least a little bit of banking and stuff like that, then that would help improve the the performance. So that gives me a bit more to work on. Now are you still comfortable with a high growth allocation to your investment otherwise? Yes. Okay. Perfect. Now while I do have a look at the investments for you, I know that last time we spoke as well, the business was kind of quite new, and you were focusing and get that up and up and running. And at that time, you weren't really making any contributions because, obviously, you weren't really sure on income and stuff like that. How's that all kind of gone for you? Yep. Mhmm. Mhmm. Yep. Yep. And is that fairly consistent? So, obviously, when part of when I do the research on your investments, I'll do some updated projections again for you just to see, obviously, the the changes. And it obviously makes a bit of a difference on the contribution. And so at the moment, I can have a little bit of a look here. I can see that on the the February 5, you deposited I think it was 1,292. And then let me see here. And then I think it was in September. So like you said, a little bit sporadic, obviously, cash flow and stuff like that. So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you? Or okay. Okay. Because I could yeah. Because I can only see that one so far in February and Dan. So maybe that was, yeah, monthly. Does that sound reasonable? So it's about $300 a week. 12. Yep. Yep. Okay. I would yep. Perfect. So about 300 a week, 100 a month. Perfect. And I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself. Do you know roughly kind of what you're on track to, what you expect to draw from the business? Okay. That's good. That's good because I think I had here last time you were expecting or hoping to get around $1.20. So that's really good. Doing good. Now has there been any other changes to your situation otherwise, any other changes to assets and stuff like that? Because I have here as well that I think the property you had was the fifty fifty ownership between you and your your ex husband? Yeah. Do you guys still have that? Okay. Oh, perfect. And is the property still wide at about 1.9? Yes. And I had here that do you think about two, or do you want me to leave it at one nine? Yeah. And I had here that the mortgage at the time was around $9.30. Oh, perfect. That's good. Do you still have the motor vehicle and the scooter otherwise? Yep. Perfect. I have here that you had an offset account with 20,000. Is that gone now as well? Yep. Yes. Okay. Perfect. You also have a CommSec ETFs for about 15,010 thousand crypto investments. About 15. Okay. Perfect. And at the moment, you're still also kind of thinking of accessing Sue. So at 60 and ideally like to draw a weekly income of about $2,000 per week by the time you retire, ideally? Yeah. Okay. Perfect. Now I do wanna check here as well. Next of, Ken, at the moment, I have Steven noted down. Are you still happy with that, or would you like to change it? Yep. It is better next of 10 for a little bit older. Just it's more so next of 10 is just if for some reason we cannot get in touch with you at all. It's just someone that we can call. Yep. Perfect. And what are their names? Perfect. And last name? Yep. Yep. Mhmm. Perfect. And best contact number? Yep. 377. Yep. 227. Perfect. Thank you so much. Are you guys living living together, de facto, or or just partner? Okay. Perfect. De facto. Great. Now I do wanna check as well because the beneficiary forms on your super as well. Because at the moment, we have your two children, but then you also have Steven listed. Would you like me to resend those forms to get those updated? Yep. Perfect. And, Tina, do you have access to a printer, or do you prefer post just because it has to be web signed? Okay. We'll just get it, yeah, we'll just get it express posted. I'll include a return envelope as well to make it easy. So just keep a lookout on that. Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you? Yep. Perfect. And you're still happy with, like, your insurances and and all of that at the moment? I wanna make any changes. Yep. Yep. Okay. Perfect. Now last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances. Did were you able to get that updated or still kind of on the to do list? Yes. No. Perfect. Well, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment. It might take a couple of weeks. I'll try to do it as quickly as I can for you. I'll give you a call. I'll run through the changes, and then you can let me know if you are happy with it, and then we can always take it from there. Yeah. Perfect. And keep a look at on the process while we get those forms sent out. But, otherwise, did you have any other questions or anything else for me while you do have me on the phone? Mhmm. Yeah. We we definitely do it as well. So we're think, obviously, you're super for property. It would have to be for investment property, it would have to be through a self managed superannuation fund. Have you heard of that before? Yeah. Sorry. It is definitely something we can look at if it is something that you do wanna explore later or whenever. Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive. And it's also designed so you would manage and control the self managed super fund. So you would have to comply with all the legislation. You'd have to do, like, a yearly order and stuff like that. So there'll be an accountant involved to do all the order bidding and the paperwork associated with it. Obviously, if you do have a property, then you'll have potentially a mortgage broker that would do all of that and a loan attached to it to different trustees. Where we would come into play is if you would want to have an investment account within the self managed super fund. So similar to how your hub twenty four is set up with the investment, you can have that within self managed super fund. And if you wanted to manage and have that as part of the diversification, that's where we would come into play. Typically, with the the cost associated with it, assets is that a minimum amount just for for make it affordable from a cost side of it, not really factoring in property. It is a minimum of $2.50 just to make it affordable. Now some people say that up to 500 because it is a lot more running cost associated with it. So I think at the moment where we're obviously trying to grow that focus for you with the super, I think the way that you currently have it based on your balance at the moment is is the best option or is a good option. But if it is something that you're down the track, you know, as your option. But if it is something that you down the track, you know, as your SuperGrove want to explore more, then we can definitely have a look at that for you as well. Yeah. But, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it. We can always reassess it. But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot at your super at the moment. Yeah. But I'll make I'll make a little note anyway that it's something we potentially wanna explore down the track. Yeah. Perfect. Any other questions to Tina? No? Alright. Perfect. Well, I will let you go, and enjoy the rest of your afternoon. And I look forward to speaking with you soon again. Mhmm. No problem. 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Oakview Financial. This is Samantha. Oh, yes. Not a problem.\n\nWhat was your full name? Okay, Tina. What I'll do is I'll just transfer you through to Veronica. Was now still a good time to have your chat with Veronica? Yep.\n\nOkay. Perfect. So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address. Yep. Yes.\n\nPerfect. That's what we've got here, Tina. I'll just transfer you through to Veronica, and she'll be the next person you speak with. Thank you. Welcome to Oakview Financial.\n\nAt Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. Good morning, Tina. This is Veronica. How are you?\n\nYeah. Good. Thanks. Thanks for returning my call. Is that any better?\n\nOkay. I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth. So I can't adjust it. But I'll see if I can turn it up, or maybe I'll just talk a bit louder, and I'll just have to apologize for my colleagues. Yeah.\n\nOkay. Well, I'll just talk a just let me know to say, oh, sorry. And hopefully if not, I can try calling you back and see if the line somehow if it's really hard. Okay. Okay.\n\nYeah. I have it on Mac, so I'm not sure if it's my end or if it's on your side, but I'll I'll just try to be a little bit louder. And, yeah, let me know if you if you can't hear me. How's your morning been so far? Been busy or just kind of getting started?\n\nOh, that's good. Now I did have you booked in because you wanted to talk a little bit about your investment, is that right, in your super? Yeah. And was there anything, you know, particular in regards to your investments? Or mhmm.\n\nYes. Yeah. And I'm I'm having a bit of a look at your account at the moment. And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability. Is those two you were kinda focusing on as well?\n\nYeah. And it is quite it is quite, I guess, on point of the market and everything like that at the moment because of how those investments are structured and the design focus and, obviously, what is going on in the market. Because at the moment, with your portfolio, we do have you in a high growth portfolio, which do seem to see short term fluctuations a little bit in, obviously, long term trying to maximize the growth. And then, also, we do have the investments specifically targeted for the quite heavy ethical tool. So that is kind of, you know, the the foundation of the portfolio of how it's been constructed a little bit differently to kind of have that heavy ethical leaning option.\n\nAnd because of that, then, obviously, that kind of restricts a little bit of some investments. Obviously, make sure that we narrow down through what's obviously important to you as well with, obviously, the values around the ethical. Now if we were to kind of stay away or not have as heavy ethical tilt, there are better performing options out there, but it also comes into play well what is really important to you when it comes to the ethical, which kind of lead way is important. And if we look at, for example, the global sustainability, which is one of those that is a bigger portion of the portfolio, that kind of the foundation, that portfolio avoids fossil fuels and other industries that don't meet the sustainability standard as well. And because of that, it kind of excludes sectors like traditional energy, for example, that at the moment have performed pretty strongly.\n\nSo because they don't own them, that hasn't obviously benefited from that rally at the moment. It also has a strong tilt towards quality global growth companies. And when the markets kind of rotate away from growth stocks for a period of time, also, the performance can look a little bit weaker. But it's kind of more like a cyclical trend, not like a structural issue with the that investment, if that makes sense. Yeah.\n\nYeah. Yeah. Yeah. And there is also, like it depends, I guess, with how heavy ethical because most of the investments that we would select in a if we call it a non typical investment, just like a a kind of a standard, they still exclude like, we don't have any investments that, like, includes, like, all cost of tearing, all done, or child labor, and stuff like that. We have that excludes tobacco as well.\n\nSo if for you, it's more important to kind of have an in between where you want the growth and, let's say, those areas are the most important to you, that gives me more flexibility of potentially relook at the portfolio. But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment. Does that make sense? Yeah. Yep.\n\nOkay. Yep. Yep. And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor. How do you feel about tobacco?\n\nIs that really important to you? Because some of the big ETFs have a little bit of tobacco underlying in them. I can choose other option that doesn't if it's really important to you or if it's not too much of a preference. Okay. Okay.\n\nIt's more okay. It's it's more the other areas like Warringdon and child labor, and stuff like that that's kind of higher up on the priority list? Yep. Yes. Yes.\n\nYeah. Okay. Okay. Well, that's good. I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well.\n\nBecause, obviously, the Australian share market is quite heavily driven by banks and mining companies. And at the moment, the investments that we have in Australia does exclude those as well. So if we can kind of incorporate at least a little bit of banking and stuff like that, then that would help improve the the performance. So that gives me a bit more to work on. Now are you still comfortable with a high growth allocation to your investment otherwise?\n\nYes. Okay. Perfect. Now while I do have a look at the investments for you, I know that last time we spoke as well, the business was kind of quite new, and you were focusing and get that up and up and running. And at that time, you weren't really making any contributions because, obviously, you weren't really sure on income and stuff like that.\n\nHow's that all kind of gone for you? Yep. Mhmm. Mhmm. Yep.\n\nYep. And is that fairly consistent? So, obviously, when part of when I do the research on your investments, I'll do some updated projections again for you just to see, obviously, the the changes. And it obviously makes a bit of a difference on the contribution. And so at the moment, I can have a little bit of a look here.\n\nI can see that on the the February 5, you deposited I think it was 1,292. And then let me see here. And then I think it was in September. So like you said, a little bit sporadic, obviously, cash flow and stuff like that. So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you?\n\nOr okay. Okay. Because I could yeah. Because I can only see that one so far in February and Dan. So maybe that was, yeah, monthly.\n\nDoes that sound reasonable? So it's about $300 a week. 12. Yep. Yep.\n\nOkay. I would yep. Perfect. So about 300 a week, 100 a month. Perfect.\n\nAnd I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself. Do you know roughly kind of what you're on track to, what you expect to draw from the business? Okay. That's good. That's good because I think I had here last time you were expecting or hoping to get around $1.20.\n\nSo that's really good. Doing good. Now has there been any other changes to your situation otherwise, any other changes to assets and stuff like that? Because I have here as well that I think the property you had was the fifty fifty ownership between you and your your ex husband? Yeah.\n\nDo you guys still have that? Okay. Oh, perfect. And is the property still wide at about 1.9? Yes.\n\nAnd I had here that do you think about two, or do you want me to leave it at one nine? Yeah. And I had here that the mortgage at the time was around $9.30. Oh, perfect. That's good.\n\nDo you still have the motor vehicle and the scooter otherwise? Yep. Perfect. I have here that you had an offset account with 20,000. Is that gone now as well?\n\nYep. Yes. Okay. Perfect. You also have a CommSec ETFs for about 15,010 thousand crypto investments.\n\nAbout 15. Okay. Perfect. And at the moment, you're still also kind of thinking of accessing Sue. So at 60 and ideally like to draw a weekly income of about $2,000 per week by the time you retire, ideally?\n\nYeah. Okay. Perfect. Now I do wanna check here as well. Next of, Ken, at the moment, I have Steven noted down.\n\nAre you still happy with that, or would you like to change it? Yep. It is better next of 10 for a little bit older. Just it's more so next of 10 is just if for some reason we cannot get in touch with you at all. It's just someone that we can call.\n\nYep. Perfect. And what are their names? Perfect. And last name?\n\nYep. Yep. Mhmm. Perfect. And best contact number?\n\nYep. 377. Yep. 227. Perfect.\n\nThank you so much. Are you guys living living together, de facto, or or just partner? Okay. Perfect. De facto.\n\nGreat. Now I do wanna check as well because the beneficiary forms on your super as well. Because at the moment, we have your two children, but then you also have Steven listed. Would you like me to resend those forms to get those updated? Yep.\n\nPerfect. And, Tina, do you have access to a printer, or do you prefer post just because it has to be web signed? Okay. We'll just get it, yeah, we'll just get it express posted. I'll include a return envelope as well to make it easy.\n\nSo just keep a lookout on that. Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you? Yep. Perfect. And you're still happy with, like, your insurances and and all of that at the moment?\n\nI wanna make any changes. Yep. Yep. Okay. Perfect.\n\nNow last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances. Did were you able to get that updated or still kind of on the to do list? Yes. No. Perfect.\n\nWell, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment. It might take a couple of weeks. I'll try to do it as quickly as I can for you. I'll give you a call.\n\nI'll run through the changes, and then you can let me know if you are happy with it, and then we can always take it from there. Yeah. Perfect. And keep a look at on the process while we get those forms sent out. But, otherwise, did you have any other questions or anything else for me while you do have me on the phone?\n\nMhmm. Yeah. We we definitely do it as well. So we're think, obviously, you're super for property. It would have to be for investment property, it would have to be through a self managed superannuation fund.\n\nHave you heard of that before? Yeah. Sorry. It is definitely something we can look at if it is something that you do wanna explore later or whenever. Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive.\n\nAnd it's also designed so you would manage and control the self managed super fund. So you would have to comply with all the legislation. You'd have to do, like, a yearly order and stuff like that. So there'll be an accountant involved to do all the order bidding and the paperwork associated with it. Obviously, if you do have a property, then you'll have potentially a mortgage broker that would do all of that and a loan attached to it to different trustees.\n\nWhere we would come into play is if you would want to have an investment account within the self managed super fund. So similar to how your hub twenty four is set up with the investment, you can have that within self managed super fund. And if you wanted to manage and have that as part of the diversification, that's where we would come into play. Typically, with the the cost associated with it, assets is that a minimum amount just for for make it affordable from a cost side of it, not really factoring in property. It is a minimum of $2.50 just to make it affordable.\n\nNow some people say that up to 500 because it is a lot more running cost associated with it. So I think at the moment where we're obviously trying to grow that focus for you with the super, I think the way that you currently have it based on your balance at the moment is is the best option or is a good option. But if it is something that you're down the track, you know, as your option. But if it is something that you down the track, you know, as your SuperGrove want to explore more, then we can definitely have a look at that for you as well. Yeah.\n\nBut, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it. We can always reassess it. But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot at your super at the moment. Yeah. But I'll make I'll make a little note anyway that it's something we potentially wanna explore down the track.\n\nYeah. Perfect. Any other questions to Tina? No? Alright.\n\nPerfect. Well, I will let you go, and enjoy the rest of your afternoon. And I look forward to speaking with you soon again. Mhmm. No problem.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.68,"end":2.32,"sentiment":"neutral","sentiment_score":0.26757006347179413},{"text":"Oakview Financial.","start":2.32,"end":3.36,"sentiment":"neutral","sentiment_score":0.14640384912490845},{"text":"This is Samantha.","start":3.36,"end":4.34,"sentiment":"neutral","sentiment_score":0.08878883719444275},{"text":"Oh, yes.","start":9.28,"end":9.76,"sentiment":"neutral","sentiment_score":0.05658359453082085},{"text":"Not a problem.","start":9.76,"end":10.58,"sentiment":"neutral","sentiment_score":0.11503448834021886}],"sentiment":"neutral","sentiment_score":0.12938208257158598,"num_words":12,"start":1.68,"end":10.58},{"sentences":[{"text":"What was your full name?","start":10.8,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.04914876222610474},{"text":"Okay, Tina.","start":14.594999,"end":15.315,"sentiment":"neutral","sentiment_score":0.0884510986506939},{"text":"What I'll do is I'll just transfer you through to Veronica.","start":15.315,"end":19.314999,"sentiment":"neutral","sentiment_score":0.12060820379040459},{"text":"Was now still a good time to have your chat with Veronica?","start":19.314999,"end":21.895,"sentiment":"neutral","sentiment_score":0.26493512590726215},{"text":"Yep.","start":23.314999,"end":23.634998,"sentiment":"neutral","sentiment_score":0.1356649100780487}],"sentiment":"neutral","sentiment_score":0.16336202164811472,"num_words":31,"start":10.8,"end":23.634998},{"sentences":[{"text":"Okay.","start":23.634998,"end":23.954998,"sentiment":"neutral","sentiment_score":0.23149597644805908},{"text":"Perfect.","start":23.954998,"end":24.454998,"sentiment":"positive","sentiment_score":0.4798130691051483},{"text":"So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address.","start":24.515,"end":32.02,"sentiment":"neutral","sentiment_score":0.11440436542034149},{"text":"Yep.","start":36.32,"end":36.82,"sentiment":"neutral","sentiment_score":0.032865867018699646},{"text":"Yes.","start":42.705,"end":43.185,"sentiment":"neutral","sentiment_score":0.1804558038711548}],"sentiment":"neutral","sentiment_score":0.13170115263373763,"num_words":27,"start":23.634998,"end":43.185},{"sentences":[{"text":"Perfect.","start":43.185,"end":43.505,"sentiment":"positive","sentiment_score":0.5249961614608765},{"text":"That's what we've got here, Tina.","start":43.505,"end":44.865,"sentiment":"positive","sentiment_score":0.4187900225321452},{"text":"I'll just transfer you through to Veronica, and she'll be the next person you speak with.","start":44.865,"end":48.405,"sentiment":"neutral","sentiment_score":0.28188170306384563},{"text":"Thank you.","start":49.585,"end":50.325,"sentiment":"positive","sentiment_score":0.547885075211525},{"text":"Welcome to Oakview Financial.","start":56.660004,"end":58.280003,"sentiment":"positive","sentiment_score":0.3968144655227661}],"sentiment":"positive","sentiment_score":0.35278867442032386,"num_words":29,"start":43.185,"end":58.280003},{"sentences":[{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":58.820004,"end":67.880005,"sentiment":"positive","sentiment_score":0.4162325073372234},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":68.26,"end":79.065,"sentiment":"positive","sentiment_score":0.3985322266817093},{"text":"Good morning, Tina.","start":81.765,"end":82.725,"sentiment":"positive","sentiment_score":0.34929122527440387},{"text":"This is Veronica.","start":82.725,"end":83.545,"sentiment":"neutral","sentiment_score":0.24445929129918417},{"text":"How are you?","start":83.55,"end":84.450005,"sentiment":"neutral","sentiment_score":0.211848517258962}],"sentiment":"positive","sentiment_score":0.38483772204633343,"num_words":57,"start":58.820004,"end":84.450005},{"sentences":[{"text":"Yeah.","start":87.47,"end":87.79,"sentiment":"neutral","sentiment_score":0.18975649774074552},{"text":"Good.","start":87.79,"end":88.11,"sentiment":"positive","sentiment_score":0.36648160219192505},{"text":"Thanks.","start":88.11,"end":88.61,"sentiment":"positive","sentiment_score":0.45010632276535034},{"text":"Thanks for returning my call.","start":88.990005,"end":90.850006,"sentiment":"positive","sentiment_score":0.5080549478530884},{"text":"Is that any better?","start":97.79,"end":98.775,"sentiment":"neutral","sentiment_score":-0.04614859260618687}],"sentiment":"neutral","sentiment_score":0.2801687326282263,"num_words":12,"start":87.47,"end":98.775},{"sentences":[{"text":"Okay.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":-0.05738379806280136},{"text":"I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth.","start":104.695,"end":111.015,"sentiment":"neutral","sentiment_score":-0.07849065730204949},{"text":"So I can't adjust it.","start":111.015,"end":113.52,"sentiment":"neutral","sentiment_score":-0.15541285872459412},{"text":"But I'll see if I can turn it up, or maybe I'll just talk a bit louder, and I'll just have to apologize for my colleagues.","start":113.52,"end":120.1,"sentiment":"neutral","sentiment_score":-0.10277676181151317},{"text":"Yeah.","start":123.68,"end":123.92,"sentiment":"neutral","sentiment_score":-0.060096774250268936}],"sentiment":"neutral","sentiment_score":-0.09504233496421474,"num_words":59,"start":103.575005,"end":123.92},{"sentences":[{"text":"Okay.","start":123.92,"end":124.32,"sentiment":"neutral","sentiment_score":-0.08014610409736633},{"text":"Well, I'll just talk a just let me know to say, oh, sorry.","start":124.32,"end":129.825,"sentiment":"neutral","sentiment_score":-0.09463859750674321},{"text":"And hopefully if not, I can try calling you back and see if the line somehow if it's really hard.","start":129.825,"end":135.525,"sentiment":"neutral","sentiment_score":-0.2809997424483299},{"text":"Okay.","start":138.785,"end":139.285,"sentiment":"neutral","sentiment_score":-0.03782830014824867},{"text":"Okay.","start":140.305,"end":140.7,"sentiment":"neutral","sentiment_score":0.0025106221437454224}],"sentiment":"neutral","sentiment_score":-0.19349334440711471,"num_words":36,"start":123.92,"end":140.7},{"sentences":[{"text":"Yeah.","start":141.02,"end":141.18,"sentiment":"neutral","sentiment_score":0.005193308927118778},{"text":"I have it on Mac, so I'm not sure if it's my end or if it's on your side, but I'll I'll just try to be a little bit louder.","start":141.18,"end":148.7,"sentiment":"neutral","sentiment_score":-0.03189140805819382},{"text":"And, yeah, let me know if you if you can't hear me.","start":148.7,"end":151.44,"sentiment":"neutral","sentiment_score":-0.04475891178784271},{"text":"How's your morning been so far?","start":153.34,"end":154.94,"sentiment":"neutral","sentiment_score":0.13291512057185173},{"text":"Been busy or just kind of getting started?","start":154.94,"end":157.165,"sentiment":"neutral","sentiment_score":0.11023413203656673}],"sentiment":"neutral","sentiment_score":0.003345752727207646,"num_words":57,"start":141.02,"end":157.165},{"sentences":[{"text":"Oh, that's good.","start":160.345,"end":161.565,"sentiment":"positive","sentiment_score":0.48911067843437195},{"text":"Now I did have you booked in because you wanted to talk a little bit about your investment, is that right, in your super?","start":162.745,"end":170.99,"sentiment":"neutral","sentiment_score":0.15743126270050803},{"text":"Yeah.","start":172.49,"end":172.99,"sentiment":"neutral","sentiment_score":0.05306849628686905},{"text":"And was there anything, you know, particular in regards to your investments?","start":174.65001,"end":178.43001,"sentiment":"neutral","sentiment_score":0.024675204884260893},{"text":"Or mhmm.","start":178.97,"end":186.365,"sentiment":"neutral","sentiment_score":0.04367670975625515}],"sentiment":"neutral","sentiment_score":0.13529063606013855,"num_words":42,"start":160.345,"end":186.365},{"sentences":[{"text":"Yes.","start":215.735,"end":216.135,"sentiment":"neutral","sentiment_score":0.08897703886032104},{"text":"Yeah.","start":216.135,"end":216.615,"sentiment":"neutral","sentiment_score":0.0821196511387825},{"text":"And I'm I'm having a bit of a look at your account at the moment.","start":216.615,"end":219.595,"sentiment":"neutral","sentiment_score":0.012395870933930079},{"text":"And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability.","start":220.86,"end":231.36,"sentiment":"neutral","sentiment_score":-0.10446354549597292},{"text":"Is those two you were kinda focusing on as well?","start":231.5,"end":234.03499,"sentiment":"neutral","sentiment_score":-0.01641664206981659}],"sentiment":"neutral","sentiment_score":-0.05506380677956049,"num_words":61,"start":215.735,"end":234.03499},{"sentences":[{"text":"Yeah.","start":240.17499,"end":240.67499,"sentiment":"neutral","sentiment_score":-0.05531013756990433},{"text":"And it is quite it is quite, I guess, on point of the market and everything like that at the moment because of how those investments are structured and the design focus and, obviously, what is going on in the market.","start":240.89499,"end":255.14,"sentiment":"neutral","sentiment_score":0.14189931932019023},{"text":"Because at the moment, with your portfolio, we do have you in a high growth portfolio, which do seem to see short term fluctuations a little bit in, obviously, long term trying to maximize the growth.","start":255.44,"end":267.355,"sentiment":"neutral","sentiment_score":0.1589008185805546},{"text":"And then, also, we do have the investments specifically targeted for the quite heavy ethical tool.","start":267.575,"end":274.89,"sentiment":"neutral","sentiment_score":0.19468806125223637},{"text":"So that is kind of, you know, the the foundation of the portfolio of how it's been constructed a little bit differently to kind of have that heavy ethical leaning option.","start":276.15002,"end":287.14502,"sentiment":"neutral","sentiment_score":0.08445866129571392}],"sentiment":"neutral","sentiment_score":0.13772975122928618,"num_words":125,"start":240.17499,"end":287.14502},{"sentences":[{"text":"And because of that, then, obviously, that kind of restricts a little bit of some investments.","start":287.605,"end":292.74503,"sentiment":"neutral","sentiment_score":-0.1633477294817567},{"text":"Obviously, make sure that we narrow down through what's obviously important to you as well with, obviously, the values around the ethical.","start":293.045,"end":301.24,"sentiment":"neutral","sentiment_score":0.08505416272038763},{"text":"Now if we were to kind of stay away or not have as heavy ethical tilt, there are better performing options out there, but it also comes into play well what is really important to you when it comes to the ethical, which kind of lead way is important.","start":301.86,"end":320.655,"sentiment":"neutral","sentiment_score":0.06032310061308802},{"text":"And if we look at, for example, the global sustainability, which is one of those that is a bigger portion of the portfolio, that kind of the foundation, that portfolio avoids fossil fuels and other industries that don't meet the sustainability standard as well.","start":322.635,"end":339.1,"sentiment":"neutral","sentiment_score":0.0659142385490916},{"text":"And because of that, it kind of excludes sectors like traditional energy, for example, that at the moment have performed pretty strongly.","start":339.88,"end":348.055,"sentiment":"neutral","sentiment_score":0.02062883617525751}],"sentiment":"neutral","sentiment_score":0.036389024380375355,"num_words":153,"start":287.605,"end":348.055},{"sentences":[{"text":"So because they don't own them, that hasn't obviously benefited from that rally at the moment.","start":348.355,"end":353.495,"sentiment":"neutral","sentiment_score":0.07233174378052354},{"text":"It also has a strong tilt towards quality global growth companies.","start":355.235,"end":359.0,"sentiment":"neutral","sentiment_score":0.11531545425003226},{"text":"And when the markets kind of rotate away from growth stocks for a period of time, also, the performance can look a little bit weaker.","start":359.69998,"end":368.43997,"sentiment":"neutral","sentiment_score":-0.1112337464094162},{"text":"But it's kind of more like a cyclical trend, not like a structural issue with the that investment, if that makes sense.","start":368.5,"end":374.655,"sentiment":"neutral","sentiment_score":0.006815856830640274},{"text":"Yeah.","start":377.275,"end":377.775,"sentiment":"neutral","sentiment_score":-0.04863845556974411}],"sentiment":"neutral","sentiment_score":-0.0033834049105644225,"num_words":75,"start":348.355,"end":377.775},{"sentences":[{"text":"Yeah.","start":387.88,"end":388.38,"sentiment":"neutral","sentiment_score":-0.03971391171216965},{"text":"Yeah.","start":388.92,"end":389.42,"sentiment":"neutral","sentiment_score":-0.00825909897685051},{"text":"Yeah.","start":392.92,"end":393.08002,"sentiment":"neutral","sentiment_score":0.07746581733226776},{"text":"And there is also, like it depends, I guess, with how heavy ethical because most of the investments that we would select in a if we call it a non typical investment, just like a a kind of a standard, they still exclude like, we don't have any investments that, like, includes, like, all cost of tearing, all done, or child labor, and stuff like that.","start":393.08002,"end":412.55942,"sentiment":"neutral","sentiment_score":-0.05266189417152694},{"text":"We have that excludes tobacco as well.","start":412.55942,"end":415.44,"sentiment":"neutral","sentiment_score":-0.13708091420786722}],"sentiment":"neutral","sentiment_score":-0.05797050800174475,"num_words":76,"start":387.88,"end":415.44},{"sentences":[{"text":"So if for you, it's more important to kind of have an in between where you want the growth and, let's say, those areas are the most important to you, that gives me more flexibility of potentially relook at the portfolio.","start":415.66,"end":430.525,"sentiment":"neutral","sentiment_score":0.07960921444180535},{"text":"But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment.","start":431.06497,"end":445.97998,"sentiment":"neutral","sentiment_score":-0.13909608728828884},{"text":"Does that make sense?","start":445.97998,"end":447.03998,"sentiment":"neutral","sentiment_score":-0.0031493818387389183},{"text":"Yeah.","start":448.53998,"end":449.03998,"sentiment":"neutral","sentiment_score":-0.05081766098737717},{"text":"Yep.","start":453.9,"end":454.305,"sentiment":"neutral","sentiment_score":-0.21584174036979675}],"sentiment":"neutral","sentiment_score":-0.03210466070456451,"num_words":89,"start":415.66,"end":454.305},{"sentences":[{"text":"Okay.","start":457.425,"end":457.925,"sentiment":"neutral","sentiment_score":0.025220472365617752},{"text":"Yep.","start":458.145,"end":458.54498,"sentiment":"neutral","sentiment_score":0.04896578937768936},{"text":"Yep.","start":458.54498,"end":459.04498,"sentiment":"neutral","sentiment_score":0.07300811260938644},{"text":"And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor.","start":459.26498,"end":473.22,"sentiment":"neutral","sentiment_score":0.06951972764606278},{"text":"How do you feel about tobacco?","start":473.52,"end":475.46,"sentiment":"neutral","sentiment_score":0.05645576740304629}],"sentiment":"neutral","sentiment_score":0.06706799834705236,"num_words":57,"start":457.425,"end":475.46},{"sentences":[{"text":"Is that really important to you?","start":475.6,"end":476.8,"sentiment":"neutral","sentiment_score":0.10274789109826088},{"text":"Because some of the big ETFs have a little bit of tobacco underlying in them.","start":476.8,"end":481.6,"sentiment":"neutral","sentiment_score":-0.07610158870617549},{"text":"I can choose other option that doesn't if it's really important to you or if it's not too much of a preference.","start":481.6,"end":487.215,"sentiment":"neutral","sentiment_score":-0.00976766874505715},{"text":"Okay.","start":491.115,"end":491.615,"sentiment":"neutral","sentiment_score":-0.06337541341781616},{"text":"Okay.","start":492.395,"end":492.895,"sentiment":"neutral","sentiment_score":-0.005766932852566242}],"sentiment":"neutral","sentiment_score":-0.017979278725882373,"num_words":45,"start":475.6,"end":492.895},{"sentences":[{"text":"It's more okay.","start":494.31497,"end":495.995,"sentiment":"neutral","sentiment_score":-0.006088563551505406},{"text":"It's it's more the other areas like Warringdon and child labor, and stuff like that that's kind of higher up on the priority list?","start":495.995,"end":503.02002,"sentiment":"neutral","sentiment_score":0.028923731801720958},{"text":"Yep.","start":504.2,"end":504.7,"sentiment":"neutral","sentiment_score":0.01205165684223175},{"text":"Yes.","start":505.24002,"end":505.74002,"sentiment":"neutral","sentiment_score":0.0045426106080412865},{"text":"Yes.","start":507.72,"end":508.22,"sentiment":"neutral","sentiment_score":-0.1769729107618332}],"sentiment":"neutral","sentiment_score":0.01718417430917422,"num_words":30,"start":494.31497,"end":508.22},{"sentences":[{"text":"Yeah.","start":509.08002,"end":509.58002,"sentiment":"neutral","sentiment_score":-0.13050812482833862},{"text":"Okay.","start":511.80002,"end":512.30005,"sentiment":"neutral","sentiment_score":0.015539957210421562},{"text":"Okay.","start":512.52,"end":513.02,"sentiment":"neutral","sentiment_score":0.06504003703594208},{"text":"Well, that's good.","start":513.08,"end":513.795,"sentiment":"positive","sentiment_score":0.4157196780045827},{"text":"I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well.","start":514.595,"end":533.79004,"sentiment":"neutral","sentiment_score":0.138863186485001}],"sentiment":"neutral","sentiment_score":0.14473498946115856,"num_words":62,"start":509.08002,"end":533.79004},{"sentences":[{"text":"Because, obviously, the Australian share market is quite heavily driven by banks and mining companies.","start":534.33,"end":538.41003,"sentiment":"neutral","sentiment_score":0.06831667311489582},{"text":"And at the moment, the investments that we have in Australia does exclude those as well.","start":538.41003,"end":544.27496,"sentiment":"neutral","sentiment_score":0.003548405133187771},{"text":"So if we can kind of incorporate at least a little bit of banking and stuff like that, then that would help improve the the performance.","start":544.27496,"end":551.65497,"sentiment":"neutral","sentiment_score":0.2350584790110588},{"text":"So that gives me a bit more to work on.","start":552.51495,"end":554.675,"sentiment":"neutral","sentiment_score":0.3148194462060928},{"text":"Now are you still comfortable with a high growth allocation to your investment otherwise?","start":554.675,"end":560.04,"sentiment":"neutral","sentiment_score":0.1507638921695096}],"sentiment":"neutral","sentiment_score":0.1537275800688399,"num_words":81,"start":534.33,"end":560.04},{"sentences":[{"text":"Yes.","start":561.54,"end":561.86,"sentiment":"neutral","sentiment_score":0.14494088292121887},{"text":"Okay.","start":561.86,"end":562.33997,"sentiment":"neutral","sentiment_score":0.30484500527381897},{"text":"Perfect.","start":562.33997,"end":562.83997,"sentiment":"positive","sentiment_score":0.4615744352340698},{"text":"Now while I do have a look at the investments for you, I know that last time we spoke as well, the business was kind of quite new, and you were focusing and get that up and up and running.","start":566.26,"end":581.015,"sentiment":"neutral","sentiment_score":0.07498243018053471},{"text":"And at that time, you weren't really making any contributions because, obviously, you weren't really sure on income and stuff like that.","start":581.015,"end":587.35,"sentiment":"neutral","sentiment_score":-0.06379949555478313}],"sentiment":"neutral","sentiment_score":0.038570286591465656,"num_words":65,"start":561.54,"end":587.35},{"sentences":[{"text":"How's that all kind of gone for you?","start":587.35,"end":589.37,"sentiment":"neutral","sentiment_score":0.03912994544953108},{"text":"Yep.","start":597.935,"end":598.435,"sentiment":"neutral","sentiment_score":0.06737706065177917},{"text":"Mhmm.","start":602.095,"end":602.595,"sentiment":"neutral","sentiment_score":0.010320644825696943},{"text":"Mhmm.","start":603.055,"end":603.555,"sentiment":"neutral","sentiment_score":-0.003789765760302544},{"text":"Yep.","start":607.855,"end":608.33496,"sentiment":"neutral","sentiment_score":0.0937618836760521}],"sentiment":"neutral","sentiment_score":0.040059115582456194,"num_words":12,"start":587.35,"end":608.33496},{"sentences":[{"text":"Yep.","start":608.33496,"end":608.83496,"sentiment":"neutral","sentiment_score":0.1161666065454483},{"text":"And is that fairly consistent?","start":609.375,"end":612.095,"sentiment":"neutral","sentiment_score":0.12081021517515182},{"text":"So, obviously, when part of when I do the research on your investments, I'll do some updated projections again for you just to see, obviously, the the changes.","start":612.095,"end":619.64996,"sentiment":"neutral","sentiment_score":0.08994523648704801},{"text":"And it obviously makes a bit of a difference on the contribution.","start":620.35,"end":624.20996,"sentiment":"neutral","sentiment_score":0.10070258627335231},{"text":"And so at the moment, I can have a little bit of a look here.","start":626.635,"end":629.695,"sentiment":"neutral","sentiment_score":0.06609089200695356}],"sentiment":"neutral","sentiment_score":0.08915538884332923,"num_words":61,"start":608.33496,"end":629.695},{"sentences":[{"text":"I can see that on the the February 5, you deposited I think it was 1,292.","start":630.155,"end":639.615,"sentiment":"neutral","sentiment_score":0.033325039432384074},{"text":"And then let me see here.","start":641.85004,"end":644.35004,"sentiment":"neutral","sentiment_score":0.02930349453041951},{"text":"And then I think it was in September.","start":650.41003,"end":652.11005,"sentiment":"neutral","sentiment_score":0.01344327605329454},{"text":"So like you said, a little bit sporadic, obviously, cash flow and stuff like that.","start":652.17004,"end":658.845,"sentiment":"neutral","sentiment_score":0.011270147096365691},{"text":"So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you?","start":659.70496,"end":677.99,"sentiment":"neutral","sentiment_score":0.03382827809734924}],"sentiment":"neutral","sentiment_score":0.027283735397249098,"num_words":82,"start":630.155,"end":677.99},{"sentences":[{"text":"Or okay.","start":678.53,"end":682.905,"sentiment":"neutral","sentiment_score":0.016635104548186064},{"text":"Okay.","start":715.455,"end":715.695,"sentiment":"neutral","sentiment_score":-0.007752380333840847},{"text":"Because I could yeah.","start":715.695,"end":717.935,"sentiment":"neutral","sentiment_score":-0.013452856801450253},{"text":"Because I can only see that one so far in February and Dan.","start":717.935,"end":721.635,"sentiment":"neutral","sentiment_score":-0.0065616776521962425},{"text":"So maybe that was, yeah, monthly.","start":722.575,"end":725.5,"sentiment":"neutral","sentiment_score":0.006108196995531519}],"sentiment":"neutral","sentiment_score":-0.0029594702287935293,"num_words":26,"start":678.53,"end":725.5},{"sentences":[{"text":"Does that sound reasonable?","start":725.5,"end":727.6,"sentiment":"neutral","sentiment_score":0.017708330415189266},{"text":"So it's about $300 a week.","start":727.74,"end":731.83997,"sentiment":"neutral","sentiment_score":0.02032267473017176},{"text":"12.","start":739.735,"end":740.235,"sentiment":"neutral","sentiment_score":0.0042924657464027405},{"text":"Yep.","start":741.815,"end":742.315,"sentiment":"neutral","sentiment_score":0.016193630173802376},{"text":"Yep.","start":745.895,"end":746.295,"sentiment":"neutral","sentiment_score":0.031785376369953156}],"sentiment":"neutral","sentiment_score":0.018849295563995838,"num_words":13,"start":725.5,"end":746.295},{"sentences":[{"text":"Okay.","start":746.295,"end":746.795,"sentiment":"neutral","sentiment_score":0.02829732373356819},{"text":"I would yep.","start":746.935,"end":750.295,"sentiment":"neutral","sentiment_score":0.0354695071776708},{"text":"Perfect.","start":750.295,"end":750.775,"sentiment":"neutral","sentiment_score":0.24366578459739685},{"text":"So about 300 a week, 100 a month.","start":750.775,"end":753.69,"sentiment":"neutral","sentiment_score":0.13027165364474058},{"text":"Perfect.","start":753.75,"end":754.25,"sentiment":"positive","sentiment_score":0.375240296125412}],"sentiment":"neutral","sentiment_score":0.12827036822480814,"num_words":14,"start":746.295,"end":754.25},{"sentences":[{"text":"And I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself.","start":756.87,"end":764.775,"sentiment":"neutral","sentiment_score":0.07724109810910054},{"text":"Do you know roughly kind of what you're on track to, what you expect to draw from the business?","start":765.97504,"end":771.03503,"sentiment":"neutral","sentiment_score":0.0521223087255892},{"text":"Okay.","start":776.53503,"end":777.03503,"sentiment":"neutral","sentiment_score":0.23666873574256897},{"text":"That's good.","start":777.335,"end":778.075,"sentiment":"positive","sentiment_score":0.5389604866504669},{"text":"That's good because I think I had here last time you were expecting or hoping to get around $1.20.","start":778.85504,"end":784.26996,"sentiment":"positive","sentiment_score":0.37278503414831665}],"sentiment":"neutral","sentiment_score":0.1673997097203265,"num_words":69,"start":756.87,"end":784.26996},{"sentences":[{"text":"So that's really good.","start":784.89,"end":785.87,"sentiment":"positive","sentiment_score":0.643860325217247},{"text":"Doing good.","start":786.17,"end":786.99,"sentiment":"positive","sentiment_score":0.6472935378551483},{"text":"Now has there been any other changes to your situation otherwise, any other changes to assets and stuff like that?","start":788.81,"end":798.685,"sentiment":"neutral","sentiment_score":0.031571976374834776},{"text":"Because I have here as well that I think the property you had was the fifty fifty ownership between you and your your ex husband?","start":798.685,"end":808.14,"sentiment":"neutral","sentiment_score":-0.019169505313038827},{"text":"Yeah.","start":809.39996,"end":809.72,"sentiment":"neutral","sentiment_score":0.0019372226670384407}],"sentiment":"neutral","sentiment_score":0.0773878364214817,"num_words":52,"start":784.89,"end":809.72},{"sentences":[{"text":"Do you guys still have that?","start":809.72,"end":811.26,"sentiment":"neutral","sentiment_score":-0.03049160446971655},{"text":"Okay.","start":817.64,"end":818.14,"sentiment":"neutral","sentiment_score":0.010612411424517632},{"text":"Oh, perfect.","start":821.24,"end":822.22,"sentiment":"neutral","sentiment_score":0.2806999385356903},{"text":"And is the property still wide at about 1.9?","start":822.785,"end":826.64496,"sentiment":"neutral","sentiment_score":0.06871411701043446},{"text":"Yes.","start":830.785,"end":831.285,"sentiment":"neutral","sentiment_score":0.039793744683265686}],"sentiment":"neutral","sentiment_score":0.0551201820765671,"num_words":19,"start":809.72,"end":831.285},{"sentences":[{"text":"And I had here that do you think about two, or do you want me to leave it at one nine?","start":831.90497,"end":840.00995,"sentiment":"neutral","sentiment_score":-0.029018881265074015},{"text":"Yeah.","start":840.00995,"end":840.50995,"sentiment":"neutral","sentiment_score":0.0034224335104227066},{"text":"And I had here that the mortgage at the time was around $9.30.","start":840.97,"end":845.31,"sentiment":"neutral","sentiment_score":-0.028500926609222706},{"text":"Oh, perfect.","start":852.47504,"end":853.055,"sentiment":"positive","sentiment_score":0.4187028259038925},{"text":"That's good.","start":853.275,"end":854.255,"sentiment":"positive","sentiment_score":0.5267313420772552}],"sentiment":"neutral","sentiment_score":0.023445697871442787,"num_words":39,"start":831.90497,"end":854.255},{"sentences":[{"text":"Do you still have the motor vehicle and the scooter otherwise?","start":854.715,"end":858.335,"sentiment":"neutral","sentiment_score":0.07655356079339981},{"text":"Yep.","start":859.755,"end":860.155,"sentiment":"neutral","sentiment_score":0.1091613471508026},{"text":"Perfect.","start":860.155,"end":860.655,"sentiment":"neutral","sentiment_score":0.2830350995063782},{"text":"I have here that you had an offset account with 20,000.","start":861.675,"end":864.63,"sentiment":"neutral","sentiment_score":0.10180925713344054},{"text":"Is that gone now as well?","start":864.63,"end":866.65,"sentiment":"neutral","sentiment_score":0.10156194989879926}],"sentiment":"neutral","sentiment_score":0.09878530477484067,"num_words":30,"start":854.715,"end":866.65},{"sentences":[{"text":"Yep.","start":872.71,"end":873.21,"sentiment":"neutral","sentiment_score":0.047084104269742966},{"text":"Yes.","start":875.11,"end":875.61,"sentiment":"neutral","sentiment_score":0.07365521788597107},{"text":"Okay.","start":879.11,"end":879.61,"sentiment":"neutral","sentiment_score":0.15534937381744385},{"text":"Perfect.","start":879.91003,"end":880.395,"sentiment":"positive","sentiment_score":0.34060320258140564},{"text":"You also have a CommSec ETFs for about 15,010 thousand crypto investments.","start":881.59503,"end":887.615,"sentiment":"neutral","sentiment_score":0.19128060837586722}],"sentiment":"neutral","sentiment_score":0.18200369994156063,"num_words":16,"start":872.71,"end":887.615},{"sentences":[{"text":"About 15.","start":898.64996,"end":899.44995,"sentiment":"neutral","sentiment_score":0.062254903838038445},{"text":"Okay.","start":899.44995,"end":899.94995,"sentiment":"neutral","sentiment_score":0.15717357397079468},{"text":"Perfect.","start":900.08997,"end":900.58997,"sentiment":"positive","sentiment_score":0.33339524269104004},{"text":"And at the moment, you're still also kind of thinking of accessing Sue.","start":901.93,"end":906.17,"sentiment":"neutral","sentiment_score":0.12081689158311257},{"text":"So at 60 and ideally like to draw a weekly income of about $2,000 per week by the time you retire, ideally?","start":906.17,"end":914.245,"sentiment":"neutral","sentiment_score":0.13772363012487238}],"sentiment":"neutral","sentiment_score":0.13373379686321968,"num_words":39,"start":898.64996,"end":914.245},{"sentences":[{"text":"Yeah.","start":916.465,"end":916.945,"sentiment":"neutral","sentiment_score":0.10612623393535614},{"text":"Okay.","start":916.945,"end":917.445,"sentiment":"neutral","sentiment_score":0.1749572604894638},{"text":"Perfect.","start":917.505,"end":918.005,"sentiment":"neutral","sentiment_score":0.3322230875492096},{"text":"Now I do wanna check here as well.","start":919.265,"end":922.245,"sentiment":"neutral","sentiment_score":0.14220048114657402},{"text":"Next of, Ken, at the moment, I have Steven noted down.","start":922.945,"end":927.86,"sentiment":"neutral","sentiment_score":0.05416530099782077}],"sentiment":"neutral","sentiment_score":0.10666948827830228,"num_words":22,"start":916.465,"end":927.86},{"sentences":[{"text":"Are you still happy with that, or would you like to change it?","start":927.86,"end":930.83997,"sentiment":"neutral","sentiment_score":0.01845963213306207},{"text":"Yep.","start":933.77997,"end":934.27997,"sentiment":"neutral","sentiment_score":0.08334039896726608},{"text":"It is better next of 10 for a little bit older.","start":939.22,"end":943.705,"sentiment":"neutral","sentiment_score":0.010728730079294606},{"text":"Just it's more so next of 10 is just if for some reason we cannot get in touch with you at all.","start":943.705,"end":948.825,"sentiment":"neutral","sentiment_score":-0.18300372768532147},{"text":"It's just someone that we can call.","start":948.825,"end":950.525,"sentiment":"neutral","sentiment_score":-0.0322052604917969}],"sentiment":"neutral","sentiment_score":-0.07055902194352476,"num_words":54,"start":927.86,"end":950.525},{"sentences":[{"text":"Yep.","start":956.43994,"end":956.93994,"sentiment":"neutral","sentiment_score":0.11362671852111816},{"text":"Perfect.","start":957.0,"end":957.48,"sentiment":"neutral","sentiment_score":0.3001993000507355},{"text":"And what are their names?","start":957.48,"end":958.62,"sentiment":"neutral","sentiment_score":0.05184800624847412},{"text":"Perfect.","start":964.43994,"end":964.845,"sentiment":"neutral","sentiment_score":0.14238296449184418},{"text":"And last name?","start":965.245,"end":966.545,"sentiment":"neutral","sentiment_score":0.035394804552197456}],"sentiment":"neutral","sentiment_score":0.08378485708751461,"num_words":11,"start":956.43994,"end":966.545},{"sentences":[{"text":"Yep.","start":970.845,"end":971.345,"sentiment":"neutral","sentiment_score":0.03491930291056633},{"text":"Yep.","start":971.40497,"end":971.90497,"sentiment":"neutral","sentiment_score":0.01983332447707653},{"text":"Mhmm.","start":971.96497,"end":972.46497,"sentiment":"neutral","sentiment_score":0.01614735648036003},{"text":"Perfect.","start":975.485,"end":975.985,"sentiment":"neutral","sentiment_score":0.25596824288368225},{"text":"And best contact number?","start":976.285,"end":990.18,"sentiment":"neutral","sentiment_score":0.06474638916552067}],"sentiment":"neutral","sentiment_score":0.07323172292672098,"num_words":8,"start":970.845,"end":990.18},{"sentences":[{"text":"Yep.","start":1001.375,"end":1001.855,"sentiment":"neutral","sentiment_score":0.006279880180954933},{"text":"377.","start":1001.855,"end":1003.13995,"sentiment":"neutral","sentiment_score":0.008027247153222561},{"text":"Yep.","start":1003.13995,"end":1003.63995,"sentiment":"neutral","sentiment_score":0.009010294452309608},{"text":"227.","start":1005.86,"end":1006.83997,"sentiment":"neutral","sentiment_score":0.019284700974822044},{"text":"Perfect.","start":1007.62,"end":1008.12,"sentiment":"positive","sentiment_score":0.45187655091285706}],"sentiment":"neutral","sentiment_score":0.09889573473483323,"num_words":5,"start":1001.375,"end":1008.12},{"sentences":[{"text":"Thank you so much.","start":1008.18,"end":1009.31995,"sentiment":"positive","sentiment_score":0.6600157618522644},{"text":"Are you guys living living together, de facto, or or just partner?","start":1010.57996,"end":1017.705,"sentiment":"neutral","sentiment_score":0.20470286905765533},{"text":"Okay.","start":1017.845,"end":1018.325,"sentiment":"neutral","sentiment_score":0.2367074191570282},{"text":"Perfect.","start":1018.325,"end":1018.825,"sentiment":"positive","sentiment_score":0.39831653237342834},{"text":"De facto.","start":1019.285,"end":1019.945,"sentiment":"positive","sentiment_score":0.3455072194337845}],"sentiment":"neutral","sentiment_score":0.32112679332494737,"num_words":20,"start":1008.18,"end":1019.945},{"sentences":[{"text":"Great.","start":1020.485,"end":1020.985,"sentiment":"positive","sentiment_score":0.5237194299697876},{"text":"Now I do wanna check as well because the beneficiary forms on your super as well.","start":1022.005,"end":1026.665,"sentiment":"neutral","sentiment_score":0.22445898689329624},{"text":"Because at the moment, we have your two children, but then you also have Steven listed.","start":1027.39,"end":1033.1699,"sentiment":"neutral","sentiment_score":0.03643662063404918},{"text":"Would you like me to resend those forms to get those updated?","start":1033.63,"end":1037.49,"sentiment":"neutral","sentiment_score":0.06478249002248049},{"text":"Yep.","start":1039.07,"end":1039.57,"sentiment":"neutral","sentiment_score":0.26663193106651306}],"sentiment":"neutral","sentiment_score":0.12482762960312159,"num_words":46,"start":1020.485,"end":1039.57},{"sentences":[{"text":"Perfect.","start":1040.19,"end":1040.69,"sentiment":"positive","sentiment_score":0.386894166469574},{"text":"And, Tina, do you have access to a printer, or do you prefer post just because it has to be web signed?","start":1040.83,"end":1047.125,"sentiment":"neutral","sentiment_score":0.06562320871109312},{"text":"Okay.","start":1049.585,"end":1049.9049,"sentiment":"neutral","sentiment_score":-0.008802059106528759},{"text":"We'll just get it, yeah, we'll just get it express posted.","start":1049.9049,"end":1052.8049,"sentiment":"neutral","sentiment_score":0.13121503760868852},{"text":"I'll include a return envelope as well to make it easy.","start":1053.4249,"end":1056.28,"sentiment":"neutral","sentiment_score":0.2395196191289208}],"sentiment":"neutral","sentiment_score":0.12825834615479992,"num_words":46,"start":1040.19,"end":1056.28},{"sentences":[{"text":"So just keep a lookout on that.","start":1058.5,"end":1060.6,"sentiment":"neutral","sentiment_score":0.1948570672954832},{"text":"Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you?","start":1061.62,"end":1070.6649,"sentiment":"neutral","sentiment_score":0.07337420550175011},{"text":"Yep.","start":1073.765,"end":1074.245,"sentiment":"neutral","sentiment_score":0.2156973332166672},{"text":"Perfect.","start":1074.245,"end":1074.725,"sentiment":"positive","sentiment_score":0.4556560516357422},{"text":"And you're still happy with, like, your insurances and and all of that at the moment?","start":1074.725,"end":1078.725,"sentiment":"neutral","sentiment_score":0.2601009598001838}],"sentiment":"neutral","sentiment_score":0.1499112769961357,"num_words":57,"start":1058.5,"end":1078.725},{"sentences":[{"text":"I wanna make any changes.","start":1078.725,"end":1082.05,"sentiment":"neutral","sentiment_score":0.06767741665244102},{"text":"Yep.","start":1082.3501,"end":1082.8501,"sentiment":"neutral","sentiment_score":0.09871137142181396},{"text":"Yep.","start":1083.15,"end":1083.55,"sentiment":"neutral","sentiment_score":0.07488536089658737},{"text":"Okay.","start":1083.55,"end":1083.9501,"sentiment":"neutral","sentiment_score":0.15111134946346283},{"text":"Perfect.","start":1083.9501,"end":1084.4501,"sentiment":"neutral","sentiment_score":0.05675404518842697}],"sentiment":"neutral","sentiment_score":0.07998324558138847,"num_words":9,"start":1078.725,"end":1084.4501},{"sentences":[{"text":"Now last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances.","start":1084.91,"end":1093.625,"sentiment":"neutral","sentiment_score":0.03016797352050032},{"text":"Did were you able to get that updated or still kind of on the to do list?","start":1093.625,"end":1097.455,"sentiment":"neutral","sentiment_score":0.02539606238989269},{"text":"Yes.","start":1099.355,"end":1099.6749,"sentiment":"neutral","sentiment_score":0.06944254040718079},{"text":"No.","start":1099.6749,"end":1100.1749,"sentiment":"neutral","sentiment_score":0.1409127712249756},{"text":"Perfect.","start":1100.235,"end":1100.735,"sentiment":"positive","sentiment_score":0.5169337391853333}],"sentiment":"neutral","sentiment_score":0.04027093063023957,"num_words":55,"start":1084.91,"end":1100.735},{"sentences":[{"text":"Well, that was essentially everything that I needed to reconfirm there with you.","start":1101.755,"end":1106.5549,"sentiment":"neutral","sentiment_score":0.31446282680218035},{"text":"So I will go and do this research on the investment.","start":1106.5549,"end":1109.11,"sentiment":"neutral","sentiment_score":0.23779618740081787},{"text":"It might take a couple of weeks.","start":1109.3301,"end":1111.5701,"sentiment":"neutral","sentiment_score":0.13850974078689302},{"text":"I'll try to do it as quickly as I can for you.","start":1111.5701,"end":1114.0701,"sentiment":"neutral","sentiment_score":0.31702472517887753},{"text":"I'll give you a call.","start":1114.4501,"end":1115.41,"sentiment":"neutral","sentiment_score":0.2857393264770508}],"sentiment":"neutral","sentiment_score":0.26888200687244534,"num_words":48,"start":1101.755,"end":1115.41},{"sentences":[{"text":"I'll run through the changes, and then you can let me know if you are happy with it, and then we can always take it from there.","start":1115.41,"end":1122.205,"sentiment":"neutral","sentiment_score":0.313163325742439},{"text":"Yeah.","start":1122.205,"end":1122.605,"sentiment":"positive","sentiment_score":0.4454360604286194},{"text":"Perfect.","start":1122.605,"end":1123.105,"sentiment":"positive","sentiment_score":0.6087585687637329},{"text":"And keep a look at on the process while we get those forms sent out.","start":1123.405,"end":1126.6849,"sentiment":"neutral","sentiment_score":0.28466194967428843},{"text":"But, otherwise, did you have any other questions or anything else for me while you do have me on the phone?","start":1126.6849,"end":1131.585,"sentiment":"neutral","sentiment_score":0.10052407674846195}],"sentiment":"neutral","sentiment_score":0.24446983509338818,"num_words":65,"start":1115.41,"end":1131.585},{"sentences":[{"text":"Mhmm.","start":1148.9551,"end":1149.4551,"sentiment":"neutral","sentiment_score":-0.020976658910512924},{"text":"Yeah.","start":1154.875,"end":1155.1951,"sentiment":"neutral","sentiment_score":0.010676002129912376},{"text":"We we definitely do it as well.","start":1155.1951,"end":1157.615,"sentiment":"neutral","sentiment_score":0.14618881153208868},{"text":"So we're think, obviously, you're super for property.","start":1157.995,"end":1162.27,"sentiment":"neutral","sentiment_score":0.033752312418073416},{"text":"It would have to be for investment property, it would have to be through a self managed superannuation fund.","start":1162.3301,"end":1168.27,"sentiment":"neutral","sentiment_score":-0.008699137423383562}],"sentiment":"neutral","sentiment_score":0.03104877534012,"num_words":36,"start":1148.9551,"end":1168.27},{"sentences":[{"text":"Have you heard of that before?","start":1168.41,"end":1169.79,"sentiment":"neutral","sentiment_score":-0.008224636471519867},{"text":"Yeah.","start":1171.77,"end":1172.055,"sentiment":"neutral","sentiment_score":-0.0052130986005067825},{"text":"Sorry.","start":1172.375,"end":1172.875,"sentiment":"neutral","sentiment_score":-0.0627371072769165},{"text":"It is definitely something we can look at if it is something that you do wanna explore later or whenever.","start":1172.935,"end":1179.1951,"sentiment":"neutral","sentiment_score":0.01247212290763855},{"text":"Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive.","start":1179.8151,"end":1186.94,"sentiment":"neutral","sentiment_score":-0.07345723019291957}],"sentiment":"neutral","sentiment_score":-0.031362097907381564,"num_words":52,"start":1168.41,"end":1186.94},{"sentences":[{"text":"And it's also designed so you would manage and control the self managed super fund.","start":1187.5599,"end":1193.74,"sentiment":"neutral","sentiment_score":0.001984322319428126},{"text":"So you would have to comply with all the legislation.","start":1194.12,"end":1196.46,"sentiment":"neutral","sentiment_score":-0.011408437788486481},{"text":"You'd have to do, like, a yearly order and stuff like that.","start":1197.08,"end":1199.72,"sentiment":"neutral","sentiment_score":-0.0027056019753217697},{"text":"So there'll be an accountant involved to do all the order bidding and the paperwork associated with it.","start":1199.72,"end":1204.915,"sentiment":"neutral","sentiment_score":0.04013657083527909},{"text":"Obviously, if you do have a property, then you'll have potentially a mortgage broker that would do all of that and a loan attached to it to different trustees.","start":1205.935,"end":1213.555,"sentiment":"neutral","sentiment_score":0.049699574195105456}],"sentiment":"neutral","sentiment_score":0.02436856142733069,"num_words":84,"start":1187.5599,"end":1213.555},{"sentences":[{"text":"Where we would come into play is if you would want to have an investment account within the self managed super fund.","start":1214.0951,"end":1220.7799,"sentiment":"neutral","sentiment_score":0.10567193241281943},{"text":"So similar to how your hub twenty four is set up with the investment, you can have that within self managed super fund.","start":1220.7799,"end":1227.735,"sentiment":"neutral","sentiment_score":0.17705105471870172},{"text":"And if you wanted to manage and have that as part of the diversification, that's where we would come into play.","start":1227.735,"end":1233.995,"sentiment":"neutral","sentiment_score":0.16463227144309453},{"text":"Typically, with the the cost associated with it, assets is that a minimum amount just for for make it affordable from a cost side of it, not really factoring in property.","start":1235.735,"end":1245.55,"sentiment":"neutral","sentiment_score":0.09826129362467796},{"text":"It is a minimum of $2.50 just to make it affordable.","start":1246.01,"end":1250.43,"sentiment":"neutral","sentiment_score":0.07606602324680849}],"sentiment":"neutral","sentiment_score":0.12719500768515798,"num_words":108,"start":1214.0951,"end":1250.43},{"sentences":[{"text":"Now some people say that up to 500 because it is a lot more running cost associated with it.","start":1250.57,"end":1257.935,"sentiment":"neutral","sentiment_score":-0.08464673259540607},{"text":"So I think at the moment where we're obviously trying to grow that focus for you with the super, I think the way that you currently have it based on your balance at the moment is is the best option or is a good option.","start":1258.475,"end":1268.5411,"sentiment":"neutral","sentiment_score":0.16601298327247302},{"text":"But if it is something that you're down the track, you know, as your option.","start":1268.5411,"end":1271.99,"sentiment":"neutral","sentiment_score":0.09493131538232168},{"text":"But if it is something that you down the track, you know, as your SuperGrove want to explore more, then we can definitely have a look at that for you as well.","start":1272.05,"end":1279.99,"sentiment":"neutral","sentiment_score":0.19589364668354392},{"text":"Yeah.","start":1283.89,"end":1284.135,"sentiment":"neutral","sentiment_score":-0.10439005494117735}],"sentiment":"neutral","sentiment_score":0.12009350622871093,"num_words":112,"start":1250.57,"end":1284.135},{"sentences":[{"text":"But, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it.","start":1284.295,"end":1288.535,"sentiment":"neutral","sentiment_score":-0.09643256807556519},{"text":"We can always reassess it.","start":1288.535,"end":1289.495,"sentiment":"neutral","sentiment_score":-0.11529392749071121},{"text":"But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot at your super at the moment.","start":1289.495,"end":1299.98,"sentiment":"negative","sentiment_score":-0.38579462775412726},{"text":"Yeah.","start":1299.98,"end":1300.38,"sentiment":"neutral","sentiment_score":0.05284516140818596},{"text":"But I'll make I'll make a little note anyway that it's something we potentially wanna explore down the track.","start":1300.38,"end":1305.84,"sentiment":"neutral","sentiment_score":0.1285973855931508}],"sentiment":"neutral","sentiment_score":-0.16122986192212385,"num_words":85,"start":1284.295,"end":1305.84},{"sentences":[{"text":"Yeah.","start":1307.02,"end":1307.5,"sentiment":"neutral","sentiment_score":0.3023279905319214},{"text":"Perfect.","start":1307.5,"end":1308.0,"sentiment":"positive","sentiment_score":0.7634929418563843},{"text":"Any other questions to Tina?","start":1308.14,"end":1310.795,"sentiment":"neutral","sentiment_score":0.11641540229320527},{"text":"No?","start":1310.795,"end":1311.1951,"sentiment":"neutral","sentiment_score":-0.020981233566999435},{"text":"Alright.","start":1311.1951,"end":1311.515,"sentiment":"neutral","sentiment_score":0.28567612171173096}],"sentiment":"neutral","sentiment_score":0.21251031466656262,"num_words":9,"start":1307.02,"end":1311.515},{"sentences":[{"text":"Perfect.","start":1311.515,"end":1311.8351,"sentiment":"positive","sentiment_score":0.627788782119751},{"text":"Well, I will let you go, and enjoy the rest of your afternoon.","start":1311.8351,"end":1314.0751,"sentiment":"positive","sentiment_score":0.6429434309785182},{"text":"And I look forward to speaking with you soon again.","start":1314.0751,"end":1316.255,"sentiment":"positive","sentiment_score":0.7399452984333038},{"text":"Mhmm.","start":1317.595,"end":1317.995,"sentiment":"neutral","sentiment_score":0.15821364521980286},{"text":"No problem.","start":1317.995,"end":1318.735,"sentiment":"neutral","sentiment_score":0.3161938339471817}],"sentiment":"positive","sentiment_score":0.6361521363810256,"num_words":27,"start":1311.515,"end":1318.735},{"sentences":[{"text":"Bye.","start":1318.795,"end":1319.295,"sentiment":"neutral","sentiment_score":0.2373044192790985}],"sentiment":"neutral","sentiment_score":0.2373044192790985,"num_words":1,"start":1318.795,"end":1319.295}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Oakview Financial. This is Samantha.\n\nChannel 0: Hi, Samantha. Sorry. I just missed a call from Veronica.\n\nChannel 1: Oh, yes. Not a problem. What was your full name?\n\nChannel 0: Tina Carpenter.\n\nChannel 1: Okay, Tina. What I'll do is I'll just transfer you through to Veronica. Was now still a good time to have your chat with Veronica?\n\nChannel 0: Yes.\n\nChannel 1: Yep. Okay. Perfect. So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address.\n\nChannel 0: 04/28/1982.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. And 4949 A Roadmasterite D Y.\n\nChannel 1: Yes. Perfect. That's what we've got here, Tina. I'll just transfer you through to Veronica, and she'll be the next person you speak with.\n\nChannel 0: Thank you.\n\nChannel 1: Thank you. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. Good morning, Tina.\n\nThis is Veronica. How are you?\n\nChannel 0: Hi, Veronica. I'm good. Thank you. How are you?\n\nChannel 1: Yeah. Good. Thanks. Thanks for returning my call.\n\nChannel 0: That's okay. The line is really, really quiet. Are you able to be closer to the mic?\n\nChannel 1: Is that any better?\n\nChannel 0: No. Not really. It sounds like you're in a box.\n\nChannel 1: Okay. I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth. So\n\nChannel 0: Yeah.\n\nChannel 1: I can't\n\nChannel 0: I can\n\nChannel 1: adjust it. But I'll see if I can turn it up, or maybe I'll just talk a bit louder, and I'll just\n\nChannel 0: Yeah.\n\nChannel 1: have to\n\nChannel 0: If\n\nChannel 1: apologize\n\nChannel 0: you can talk\n\nChannel 1: for\n\nChannel 0: a little\n\nChannel 1: my\n\nChannel 0: bit\n\nChannel 1: colleagues.\n\nChannel 0: like like I can barely barely hear you, so it's a bit harder.\n\nChannel 1: Yeah. Okay. Well, I'll just talk a just let me know to say, oh, sorry. And hopefully if not, I can try calling you back and see if the line somehow if it's really hard.\n\nChannel 0: Yeah. I I can hear you now, but it's it's just\n\nChannel 1: Okay.\n\nChannel 0: really quiet.\n\nChannel 1: Okay. Yeah. I have it on Mac, so I'm not sure if it's my end or if it's on your side, but I'll I'll just try to be a little bit louder. And, yeah, let me\n\nChannel 0: Yeah.\n\nChannel 1: know if you if you can't hear me.\n\nChannel 0: Okay.\n\nChannel 1: How's your morning been so far? Been busy or just kind of getting\n\nChannel 0: Yes.\n\nChannel 1: started?\n\nChannel 0: So all good. No mobility.\n\nChannel 1: Oh, that's good. Now I did have you booked in because you wanted to talk a little bit about your investment, is that right, in your super?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. And was there anything, you know, particular in regards to your investments? Or\n\nChannel 0: Yeah. I'm just kind of, like, looking at, like, how to shape my\n\nChannel 1: mhmm.\n\nChannel 0: how to shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund. So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick.\n\nChannel 1: Yes. Yeah. And I'm I'm having a bit of a look at your account at the moment. And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability. Is those two you were kinda focusing on as well?\n\nChannel 0: Yeah. That yeah. That was the sustainability funds that were kind of flagging.\n\nChannel 1: Yeah. And it is quite it is quite, I guess, on point of the market and everything like that at the moment because of how those investments are structured and the design focus and, obviously, what is going on in the market. Because at the moment, with your portfolio, we do have you in a high growth portfolio, which do seem to see short term fluctuations a little bit in, obviously, long term trying to maximize the growth. And then, also, we do have the investments specifically targeted for the quite heavy ethical tool. So that is kind of, you know, the the foundation of the portfolio of how it's been constructed a little bit differently to kind of have that heavy ethical leaning option.\n\nAnd\n\nChannel 0: Yep.\n\nChannel 1: because of that, then, obviously, that kind of restricts a little bit of some investments. Obviously, make sure that we narrow down through what's obviously important to you as well with, obviously, the values around the ethical. Now if we were to kind of stay away or not have as heavy ethical tilt, there are better performing options out there, but it also comes into play well what is really important to you when it comes to the ethical, which kind of lead way is important. And if we look at, for example, the global sustainability, which is one of those that is a bigger portion of the portfolio, that kind of the foundation, that portfolio avoids fossil fuels and other industries that don't meet the sustainability standard as well. And because of that, it kind of excludes sectors like traditional energy, for example, that at the moment have performed pretty strongly.\n\nSo because\n\nChannel 0: Yes.\n\nChannel 1: they don't own them, that hasn't obviously benefited from that rally at the moment. It also has a strong tilt towards quality global growth companies. And when the markets kind of rotate away from growth stocks for a period of time, also, the performance can look a little bit weaker. But it's kind of more like a cyclical trend, not like a structural issue with the that investment, if that makes sense.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. I I get it. I'm just like like, the in between mindset of moving away from the sustainability\n\nChannel 1: Yeah.\n\nChannel 0: one and and\n\nChannel 1: Yeah.\n\nChannel 0: just focusing on growth in the in the in the near future.\n\nChannel 1: Yeah. And there is also, like it depends, I guess, with how heavy ethical because most of the investments that we would select in a if we call it a non typical investment, just like a a kind of a standard, they still exclude like, we don't have any investments that, like, includes, like, all cost of tearing, all done, or child labor, and stuff like that. We have that excludes tobacco as well. So if for you, it's more important to kind of have an in between where you want the growth and, let's say, those areas are the most important to you, that gives me more flexibility of potentially relook at the portfolio. But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment.\n\nDoes that make sense?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So so I'm kind of leaning towards, for for now at least, to move\n\nChannel 1: Yep.\n\nChannel 0: away a bit from the the heavy ethical ones.\n\nChannel 1: Okay. Yep. Yep. And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor. How do you feel about tobacco?\n\nIs that really important to you? Because some of the big ETFs have a little bit of tobacco underlying in them. I can choose other option that doesn't if it's really important to you or if it's not too much of a preference.\n\nChannel 0: I'm kind of not not\n\nChannel 1: Okay.\n\nChannel 0: very\n\nChannel 1: Okay.\n\nChannel 0: asked\n\nChannel 1: It's\n\nChannel 0: about\n\nChannel 1: more\n\nChannel 0: it, to be honest.\n\nChannel 1: okay. It's it's more the other areas like Warringdon and child labor, and stuff like that that's kind of higher up on the priority list?\n\nChannel 0: Yeah. Obviously, like,\n\nChannel 1: Yep.\n\nChannel 0: fat labor and\n\nChannel 1: Yes.\n\nChannel 0: and war and that sort of, like, I don't support that\n\nChannel 1: Yes.\n\nChannel 0: sort of stuff. The cycle,\n\nChannel 1: Yeah.\n\nChannel 0: I'm just a bit, like, indifferent, to be honest.\n\nChannel 1: Okay. Okay. Well, that's good. I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well. Because, obviously, the Australian share market is quite heavily driven by banks and mining companies.\n\nAnd at the moment, the investments that we have in Australia does exclude those as well. So if\n\nChannel 0: Yes.\n\nChannel 1: we can kind of incorporate at least a little bit of banking and stuff like that, then\n\nChannel 0: Yes.\n\nChannel 1: that would help improve the the performance. So that gives me a bit more to work on. Now are you still comfortable with a high growth allocation to your investment otherwise?\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yes. Okay. Perfect. Now while I do have a look at the investments for you, I know that last time we spoke as well, the business was kind of quite new, and you were focusing and get that up and up and running. And at that time, you weren't really making any contributions because, obviously, you weren't really sure on income and stuff like that.\n\nHow's that all kind of gone for you?\n\nChannel 0: Yeah. So I've my my business is up and running, and I've been, well, operating basically for about a year now.\n\nChannel 1: Yep.\n\nChannel 0: And during the year, I have done some contributions,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: but not to the same level what I was doing when I was full time employed.\n\nChannel 1: Yep. Yep. And is that fairly consistent? So, obviously, when part of when I do the research on your investments, I'll do some updated projections again for you just to see, obviously, the the changes. And it obviously makes a bit of a difference on the contribution.\n\nAnd so at the moment, I can have a little bit of a look here. I can see that on the the February 5, you deposited I think it was 1,292.\n\nChannel 0: Yes.\n\nChannel 1: And then let me see here. And then I think it was in September. So like you said, a little bit sporadic, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: cash flow and stuff like that. So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you? Or\n\nChannel 0: I tried to do monthly,\n\nChannel 1: okay.\n\nChannel 0: at least. It was probably close to the what what I put in in of February, February. So that yeah. And I think that was a a two week. Maybe was it that a full month or or just a fortnightly?\n\nI don't remember.\n\nChannel 1: Okay.\n\nChannel 0: Probably\n\nChannel 1: Because\n\nChannel 0: a full\n\nChannel 1: I could yeah. Because I can only see\n\nChannel 0: like\n\nChannel 1: that one so far in February and Dan.\n\nChannel 0: a\n\nChannel 1: So maybe that was,\n\nChannel 0: full\n\nChannel 1: yeah, monthly. Does that sound\n\nChannel 0: month.\n\nChannel 1: reasonable?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: it's about $300 a week.\n\nChannel 0: So how much is the super is it is it 12% at the moment, or how much do it's the standard?\n\nChannel 1: 12.\n\nChannel 0: 12. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Three. Yeah. That's probably right.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So it's a month\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: would\n\nChannel 0: a monthly twelve month twelve hundred a month.\n\nChannel 1: yep. Perfect. So about 300 a week, 100 a month. Perfect. And I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself.\n\nDo you know roughly kind of what you're on track to, what you expect to draw from the business?\n\nChannel 0: Yeah. So I it's between $1.20 and $1.50 annual.\n\nChannel 1: Okay. That's good. That's good because I think I had here last time you were expecting or hoping to get around $1.20. So\n\nChannel 0: Yeah.\n\nChannel 1: that's really good. Doing good. Now has there been any other changes to your situation otherwise, any other changes to\n\nChannel 0: Yes.\n\nChannel 1: assets and stuff like that? Because I have here as well that I think the property you had was the fifty fifty ownership between you and your your ex husband?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Do you guys\n\nChannel 0: So\n\nChannel 1: still\n\nChannel 0: the\n\nChannel 1: have that?\n\nChannel 0: yeah. So the prop we've settled the the property, so he ended up buying me out. So I\n\nChannel 1: Okay.\n\nChannel 0: got a bit of cash from from that now.\n\nChannel 1: Oh, perfect. And is the property still wide at about 1.9?\n\nChannel 0: Yeah. I think that was where we landed\n\nChannel 1: Yes.\n\nChannel 0: on.\n\nChannel 1: And I\n\nChannel 0: Probably\n\nChannel 1: had here\n\nChannel 0: a bit\n\nChannel 1: that\n\nChannel 0: more, but yeah.\n\nChannel 1: do you think about two, or do you want me to leave\n\nChannel 0: Yeah. Just leave\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: at\n\nChannel 0: at one nine.\n\nChannel 1: one nine? Yeah. And I had here that the mortgage at the time was around $9.30.\n\nChannel 0: Yeah. So I don't have a mortgage anymore, so he probably bought me out. So yeah.\n\nChannel 1: Oh, perfect. That's good. Do\n\nChannel 0: Yes.\n\nChannel 1: you still have the motor vehicle and the scooter otherwise? Yep. Perfect. I have here that you had an offset account with 20,000. Is that gone now as well?\n\nChannel 0: So I I have cash savings now.\n\nChannel 1: Yep.\n\nChannel 0: I no longer have the offset account, but, like, I've\n\nChannel 1: Yes.\n\nChannel 0: got about 400 k in savings.\n\nChannel 1: Okay. Perfect. You also have a CommSec ETFs for about 15,010 thousand crypto investments.\n\nChannel 0: Yeah. So crypto are going up to 20, and I think the EPS is still around 15.\n\nChannel 1: About 15. Okay. Perfect. And at the moment, you're still also kind of thinking of accessing Sue. So at 60 and ideally like to draw a weekly income of about $2,000 per week by the time you retire, ideally?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Okay. Perfect. Now I do wanna check here as well. Next of, Ken, at the moment, I have Steven noted down.\n\nAre you still happy with that, or would you like to change it?\n\nChannel 0: Yeah. I'd like to change that.\n\nChannel 1: Yep.\n\nChannel 0: Can can I just use my kids, or is it it needs to be a grown up?\n\nChannel 1: It is better next of 10 for a little bit older. Just it's more so next of 10 is just if for some reason we cannot get in touch with you at all. It's just someone\n\nChannel 0: Yeah.\n\nChannel 1: that we can call.\n\nChannel 0: Yeah. Okay. Well, then use my current partner. So\n\nChannel 1: Yep. Perfect. And what are their names?\n\nChannel 0: Tiago, t h I a g o,\n\nChannel 1: Perfect. And last name?\n\nChannel 0: Olivera. So that's olive as in the olive,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and\n\nChannel 1: Mhmm.\n\nChannel 0: and I r a.\n\nChannel 1: Perfect. And best contact\n\nChannel 0: Let me just quickly get it.\n\nChannel 1: number?\n\nChannel 0: 0497277\n\nChannel 1: Yep. 377. Yep.\n\nChannel 0: 227.\n\nChannel 1: 227. Perfect. Thank you so much. Are you guys living living together, de facto, or or just\n\nChannel 0: Living together.\n\nChannel 1: partner? Okay. Perfect. De facto. Great.\n\nNow I do wanna check as well because the beneficiary forms on your super as well.\n\nChannel 0: Yep.\n\nChannel 1: Because at the moment, we have your two children, but then you also have Steven listed. Would you like\n\nChannel 0: Yeah.\n\nChannel 1: me to resend those forms to get those updated?\n\nChannel 0: Yeah. If you could do that, that would\n\nChannel 1: Yep.\n\nChannel 0: be great.\n\nChannel 1: Perfect. And, Tina, do you have access to a printer, or do you prefer post just because it has to be web signed?\n\nChannel 0: I don't have a printer, so\n\nChannel 1: Okay.\n\nChannel 0: call us\n\nChannel 1: We'll\n\nChannel 0: with me.\n\nChannel 1: just get it,\n\nChannel 0: Okay.\n\nChannel 1: yeah, we'll just get it express posted. I'll include a return envelope as well to make it easy.\n\nChannel 0: Thanks.\n\nChannel 1: So just keep a lookout on that. Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you?\n\nChannel 0: Yeah. That's the main main thing, really.\n\nChannel 1: Yep. Perfect. And you're still happy with, like, your insurances and and all of that at the moment? I wanna\n\nChannel 0: Yeah.\n\nChannel 1: make any\n\nChannel 0: I think that's that was just recently done,\n\nChannel 1: changes.\n\nChannel 0: so I think that's\n\nChannel 1: Yep.\n\nChannel 0: fine.\n\nChannel 1: Yep. Okay. Perfect. Now last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances. Did were you able to get that updated or still kind of on the to do list?\n\nChannel 0: It's on the computer's test.\n\nChannel 1: Yes. No. Perfect. Well, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment.\n\nIt might take a couple of weeks. I'll try to do it as quickly as I can for you. I'll give you a call. I'll run through the changes, and then you can let me know if you are happy with it, and then we can always take\n\nChannel 0: Okay.\n\nChannel 1: it\n\nChannel 0: Sounds\n\nChannel 1: from there.\n\nChannel 0: good.\n\nChannel 1: Yeah. Perfect. And keep a look at on the process while we get those forms sent out. But, otherwise, did you have any other questions or anything else for me while you do have me on the phone?\n\nChannel 0: No. I think that's so one thing that was on my mind for a little while. So the so I've heard people are using the super also for buying investment property. Do you do that\n\nChannel 1: Mhmm.\n\nChannel 0: sort of stuff at all, or is it you're mainly just doing managing the funds as as a that\n\nChannel 1: Yeah.\n\nChannel 0: way?\n\nChannel 1: We we definitely do it as well. So we're think, obviously, you're super for property. It would have to be for investment property, it would have to be through a self managed superannuation fund. Have\n\nChannel 0: Yeah.\n\nChannel 1: you heard of that before?\n\nChannel 0: I've heard of it. Yeah.\n\nChannel 1: Yeah. Sorry. It is definitely something we can look at if it is something that you do wanna explore later or whenever. Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive. And it's also designed so you would manage and control the self managed super fund.\n\nSo you would have to comply with all the legislation. You'd have to do, like, a yearly order and stuff like that. So there'll be an accountant involved to do all the order bidding and the paperwork associated with it. Obviously, if you do have a property, then you'll have potentially a mortgage broker that would do all of that and a loan attached to it to different trustees. Where we would come into play is if you would want to have an investment account within the self managed super fund.\n\nSo similar to how your hub twenty four is set up with the investment, you can have that within self managed super fund. And if you wanted to manage and have that as part of the diversification, that's where we would come into play. Typically, with the the cost associated with it, assets is that a minimum amount just for for make it affordable from a cost side of it, not really factoring in property. It is a minimum of $2.50\n\nChannel 0: Okay.\n\nChannel 1: just to make it affordable. Now some people say that up to 500 because it is a lot more running cost associated with it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: I think at the moment where we're obviously trying to grow that focus for you with the super, I think the way that you currently have it based on your balance at the moment is is the best option or is a good option. But if it is something that you're down the track, you know, as your\n\nChannel 0: Yep.\n\nChannel 1: option. But if it is something that you down the track, you know, as your SuperGrove\n\nChannel 0: Yeah.\n\nChannel 1: want to explore more, then we can definitely have a look at that for you as well.\n\nChannel 0: Okay. So it might not be the time for us now, so I'll leave it as it is.\n\nChannel 1: Yeah. But, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it. We can always reassess it. But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot\n\nChannel 0: Yeah. Okay.\n\nChannel 1: at your super at the moment.\n\nChannel 0: Alright.\n\nChannel 1: Yeah. But I'll make\n\nChannel 0: Well,\n\nChannel 1: I'll\n\nChannel 0: worth\n\nChannel 1: make a\n\nChannel 0: asking.\n\nChannel 1: little note anyway that it's\n\nChannel 0: Yeah.\n\nChannel 1: something we potentially wanna explore down the track.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Thank\n\nChannel 1: Perfect.\n\nChannel 0: you.\n\nChannel 1: Any other questions to\n\nChannel 0: No. That's\n\nChannel 1: Tina?\n\nChannel 0: it.\n\nChannel 1: No? Alright. Perfect. Well, I will let you go, and enjoy the rest of your afternoon. And I look forward to speaking with you soon again.\n\nChannel 0: Thank you. You too.\n\nChannel 1: Mhmm. No problem. Bye.\n\nChannel 0: Bye bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.68,"end":2.32,"sentiment":"neutral","sentiment_score":0.26757006347179413},{"text":"Oakview Financial.","start":2.32,"end":3.36,"sentiment":"neutral","sentiment_score":0.14640384912490845},{"text":"This is Samantha.","start":3.36,"end":4.34,"sentiment":"neutral","sentiment_score":0.08878883719444275}],"sentiment":"neutral","sentiment_score":0.15633061953953334,"channel":1,"num_words":7,"start":1.68,"end":4.34},{"sentences":[{"text":"Hi, Samantha.","start":5.3599997,"end":6.1,"sentiment":"neutral","sentiment_score":0.04369986057281494},{"text":"Sorry.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":-0.08948898315429688},{"text":"I just missed a call from Veronica.","start":6.56,"end":8.26,"sentiment":"neutral","sentiment_score":-0.12299047410488129}],"sentiment":"neutral","sentiment_score":-0.0863022580742836,"channel":0,"num_words":10,"start":5.3599997,"end":8.26},{"sentences":[{"text":"Oh, yes.","start":9.28,"end":9.76,"sentiment":"neutral","sentiment_score":0.05658359453082085},{"text":"Not a problem.","start":9.76,"end":10.58,"sentiment":"neutral","sentiment_score":0.11503448834021886},{"text":"What was your full name?","start":10.8,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.04914876222610474}],"sentiment":"neutral","sentiment_score":0.07040144652128219,"channel":1,"num_words":10,"start":9.28,"end":12.0199995},{"sentences":[{"text":"Tina Carpenter.","start":12.559999,"end":13.46,"sentiment":"neutral","sentiment_score":0.040933575481176376}],"sentiment":"neutral","sentiment_score":0.040933575481176376,"channel":0,"num_words":2,"start":12.559999,"end":13.46},{"sentences":[{"text":"Okay, Tina.","start":14.594999,"end":15.315,"sentiment":"neutral","sentiment_score":0.0884510986506939},{"text":"What I'll do is I'll just transfer you through to Veronica.","start":15.315,"end":19.314999,"sentiment":"neutral","sentiment_score":0.12060820379040459},{"text":"Was now still a good time to have your chat with Veronica?","start":19.314999,"end":21.895,"sentiment":"neutral","sentiment_score":0.26493512590726215}],"sentiment":"neutral","sentiment_score":0.18731255799531937,"channel":1,"num_words":25,"start":14.594999,"end":21.895},{"sentences":[{"text":"Yes.","start":22.475,"end":22.975,"sentiment":"neutral","sentiment_score":0.12450382858514786}],"sentiment":"neutral","sentiment_score":0.12450382858514786,"channel":0,"num_words":1,"start":22.475,"end":22.975},{"sentences":[{"text":"Yep.","start":23.314999,"end":23.634998,"sentiment":"neutral","sentiment_score":0.1356649100780487},{"text":"Okay.","start":23.634998,"end":23.954998,"sentiment":"neutral","sentiment_score":0.23149597644805908},{"text":"Perfect.","start":23.954998,"end":24.454998,"sentiment":"positive","sentiment_score":0.4798130691051483},{"text":"So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address.","start":24.515,"end":32.02,"sentiment":"neutral","sentiment_score":0.11440436542034149}],"sentiment":"neutral","sentiment_score":0.13377978308842733,"channel":1,"num_words":26,"start":23.314999,"end":32.02},{"sentences":[{"text":"04/28/1982.","start":33.190002,"end":35.53,"sentiment":"neutral","sentiment_score":0.019721699878573418}],"sentiment":"neutral","sentiment_score":0.019721699878573418,"channel":0,"num_words":1,"start":33.190002,"end":35.53},{"sentences":[{"text":"Yep.","start":36.32,"end":36.82,"sentiment":"neutral","sentiment_score":0.032865867018699646}],"sentiment":"neutral","sentiment_score":0.032865867018699646,"channel":1,"num_words":1,"start":36.32,"end":36.82},{"sentences":[{"text":"Mhmm.","start":36.79,"end":37.29,"sentiment":"neutral","sentiment_score":0.02659079059958458},{"text":"And 4949 A Roadmasterite D Y.","start":37.35,"end":42.435,"sentiment":"neutral","sentiment_score":0.03626001626253128}],"sentiment":"neutral","sentiment_score":0.03487869831068175,"channel":0,"num_words":7,"start":36.79,"end":42.435},{"sentences":[{"text":"Yes.","start":42.705,"end":43.185,"sentiment":"neutral","sentiment_score":0.1804558038711548},{"text":"Perfect.","start":43.185,"end":43.505,"sentiment":"positive","sentiment_score":0.5249961614608765},{"text":"That's what we've got here, Tina.","start":43.505,"end":44.865,"sentiment":"positive","sentiment_score":0.4187900225321452},{"text":"I'll just transfer you through to Veronica, and she'll be the next person you speak with.","start":44.865,"end":48.405,"sentiment":"neutral","sentiment_score":0.28188170306384563}],"sentiment":"neutral","sentiment_score":0.322012472897768,"channel":1,"num_words":24,"start":42.705,"end":48.405},{"sentences":[{"text":"Thank you.","start":48.575,"end":49.315002,"sentiment":"positive","sentiment_score":0.5549361705780029}],"sentiment":"positive","sentiment_score":0.5549361705780029,"channel":0,"num_words":2,"start":48.575,"end":49.315002},{"sentences":[{"text":"Thank you.","start":49.585,"end":50.325,"sentiment":"positive","sentiment_score":0.547885075211525},{"text":"Welcome to Oakview Financial.","start":56.660004,"end":58.280003,"sentiment":"positive","sentiment_score":0.3968144655227661},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":58.820004,"end":67.880005,"sentiment":"positive","sentiment_score":0.4162325073372234},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":68.26,"end":79.065,"sentiment":"positive","sentiment_score":0.3985322266817093},{"text":"Good morning, Tina.","start":81.765,"end":82.725,"sentiment":"positive","sentiment_score":0.34929122527440387}],"sentiment":"positive","sentiment_score":0.4078921884821172,"channel":1,"num_words":57,"start":49.585,"end":82.725},{"sentences":[{"text":"This is Veronica.","start":82.725,"end":83.545,"sentiment":"neutral","sentiment_score":0.24445929129918417},{"text":"How are you?","start":83.55,"end":84.450005,"sentiment":"neutral","sentiment_score":0.211848517258962}],"sentiment":"neutral","sentiment_score":0.2281539042790731,"channel":1,"num_words":6,"start":82.725,"end":84.450005},{"sentences":[{"text":"Hi, Veronica.","start":84.99,"end":85.73,"sentiment":"neutral","sentiment_score":0.2700251042842865},{"text":"I'm good.","start":85.79,"end":86.19,"sentiment":"positive","sentiment_score":0.42793750762939453},{"text":"Thank you.","start":86.19,"end":86.51,"sentiment":"positive","sentiment_score":0.5009881258010864},{"text":"How are you?","start":86.51,"end":87.25,"sentiment":"neutral","sentiment_score":0.279877632856369}],"sentiment":"positive","sentiment_score":0.35972604155540466,"channel":0,"num_words":9,"start":84.99,"end":87.25},{"sentences":[{"text":"Yeah.","start":87.47,"end":87.79,"sentiment":"neutral","sentiment_score":0.18975649774074552},{"text":"Good.","start":87.79,"end":88.11,"sentiment":"positive","sentiment_score":0.36648160219192505},{"text":"Thanks.","start":88.11,"end":88.61,"sentiment":"positive","sentiment_score":0.45010632276535034},{"text":"Thanks for returning my call.","start":88.990005,"end":90.850006,"sentiment":"positive","sentiment_score":0.5080549478530884}],"sentiment":"positive","sentiment_score":0.44332739524543285,"channel":1,"num_words":8,"start":87.47,"end":90.850006},{"sentences":[{"text":"That's okay.","start":91.39,"end":92.21,"sentiment":"neutral","sentiment_score":0.19329899549484253},{"text":"The line is really, really quiet.","start":92.43,"end":94.19,"sentiment":"neutral","sentiment_score":-0.11663343260685603},{"text":"Are you able to be closer to the mic?","start":94.19,"end":96.075,"sentiment":"neutral","sentiment_score":-0.04270981210801336}],"sentiment":"neutral","sentiment_score":-0.04103475962491596,"channel":0,"num_words":17,"start":91.39,"end":96.075},{"sentences":[{"text":"Is that any better?","start":97.79,"end":98.775,"sentiment":"neutral","sentiment_score":-0.04614859260618687}],"sentiment":"neutral","sentiment_score":-0.04614859260618687,"channel":1,"num_words":4,"start":97.79,"end":98.775},{"sentences":[{"text":"No.","start":99.91499,"end":100.155,"sentiment":"neutral","sentiment_score":-0.25240013003349304},{"text":"Not really.","start":100.155,"end":100.875,"sentiment":"neutral","sentiment_score":-0.27990269660949707},{"text":"It sounds like you're in a box.","start":100.875,"end":102.735,"sentiment":"neutral","sentiment_score":-0.22185164902891433}],"sentiment":"neutral","sentiment_score":-0.23651670664548874,"channel":0,"num_words":10,"start":99.91499,"end":102.735},{"sentences":[{"text":"Okay.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":-0.05738379806280136},{"text":"I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth.","start":104.695,"end":111.015,"sentiment":"neutral","sentiment_score":-0.07849065730204949},{"text":"So","start":111.015,"end":111.515,"sentiment":"neutral","sentiment_score":-0.06071975827217102}],"sentiment":"neutral","sentiment_score":-0.07710216593529497,"channel":1,"num_words":28,"start":103.575005,"end":111.515},{"sentences":[{"text":"Yeah.","start":111.71001,"end":112.19,"sentiment":"neutral","sentiment_score":-0.11271418631076811}],"sentiment":"neutral","sentiment_score":-0.11271418631076811,"channel":0,"num_words":1,"start":111.71001,"end":112.19},{"sentences":[{"text":"I can't","start":111.895004,"end":112.555,"sentiment":"neutral","sentiment_score":-0.1793982982635498}],"sentiment":"neutral","sentiment_score":-0.1793982982635498,"channel":1,"num_words":2,"start":111.895004,"end":112.555},{"sentences":[{"text":"I 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shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund.","start":185.975,"end":204.8,"sentiment":"neutral","sentiment_score":-0.07003707206755314},{"text":"So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick.","start":204.8,"end":214.715,"sentiment":"neutral","sentiment_score":-0.015383536341570078}],"sentiment":"neutral","sentiment_score":-0.04986731483534511,"channel":0,"num_words":84,"start":185.975,"end":214.715},{"sentences":[{"text":"Yes.","start":215.735,"end":216.135,"sentiment":"neutral","sentiment_score":0.08897703886032104},{"text":"Yeah.","start":216.135,"end":216.615,"sentiment":"neutral","sentiment_score":0.0821196511387825},{"text":"And I'm I'm having a bit of a look at your account 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phone?","start":1126.6849,"end":1131.585,"sentiment":"neutral","sentiment_score":0.10052407674846195}],"sentiment":"neutral","sentiment_score":0.19566130226379946,"channel":1,"num_words":38,"start":1122.205,"end":1131.585},{"sentences":[{"text":"No.","start":1133.6849,"end":1134.085,"sentiment":"neutral","sentiment_score":-0.07725600898265839},{"text":"I think that's so one thing that was on my mind for a little while.","start":1134.085,"end":1140.005,"sentiment":"neutral","sentiment_score":-0.12308259258667628},{"text":"So the so I've heard people are using the super also for buying investment property.","start":1140.005,"end":1148.1,"sentiment":"neutral","sentiment_score":-0.004162391647696495},{"text":"Do you do 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whenever.","start":1172.935,"end":1179.1951,"sentiment":"neutral","sentiment_score":0.01247212290763855},{"text":"Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive.","start":1179.8151,"end":1186.94,"sentiment":"neutral","sentiment_score":-0.07345723019291957},{"text":"And it's also designed so you would manage and control the self managed super fund.","start":1187.5599,"end":1193.74,"sentiment":"neutral","sentiment_score":0.001984322319428126}],"sentiment":"neutral","sentiment_score":-0.025437974386283608,"channel":1,"num_words":61,"start":1171.77,"end":1193.74},{"sentences":[{"text":"So you would have to comply with all the legislation.","start":1194.12,"end":1196.46,"sentiment":"neutral","sentiment_score":-0.011408437788486481},{"text":"You'd have to do, like, a yearly order and stuff like that.","start":1197.08,"end":1199.72,"sentiment":"neutral","sentiment_score":-0.0027056019753217697},{"text":"So there'll 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other questions 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I will let you go, and enjoy the rest of your afternoon.","start":1311.8351,"end":1314.0751,"sentiment":"positive","sentiment_score":0.6429434309785182},{"text":"And I look forward to speaking with you soon again.","start":1314.0751,"end":1316.255,"sentiment":"positive","sentiment_score":0.7399452984333038}],"sentiment":"positive","sentiment_score":0.6403923560507022,"channel":1,"num_words":26,"start":1310.795,"end":1316.255},{"sentences":[{"text":"Thank you.","start":1316.63,"end":1317.03,"sentiment":"positive","sentiment_score":0.760024219751358},{"text":"You too.","start":1317.03,"end":1317.61,"sentiment":"positive","sentiment_score":0.4641888290643692}],"sentiment":"positive","sentiment_score":0.6121065244078636,"channel":0,"num_words":4,"start":1316.63,"end":1317.61},{"sentences":[{"text":"Mhmm.","start":1317.595,"end":1317.995,"sentiment":"neutral","sentiment_score":0.15821364521980286},{"text":"No 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The company's portfolio is highly structured and targeted for long-term growth, with a shift towards more ethical investment. Tina expresses her desire to have a broad portfolio and reduce carbon emissions, and is interested in reducing her carbon emissions. The speaker leanes towards moving away from heavy ethical investments and focusing on areas like Yep. and Warringdon, as well as child labor and retirement. They will update projections for the customer's investment portfolio and make some updated projections. The agent confirms the monthly contribution and savings from the property, and will update projections for the customer's investment portfolio and their will. The agent will update beneficiary forms and check if the customer is still happy with their insurance. The customer is advised to resend beneficiary forms and update their insurance if they are not happy with their current insurance."},"intents":{"segments":[{"text":"What I'll do is I'll just transfer you through to Veronica. Was now still a good time to have your chat with Veronica? Yes. Yep.","start_word":31,"end_word":55,"intents":[{"intent":"Transfer call","confidence_score":0.06133271}]},{"text":"And I'm I'm having a bit of a look at your account at the moment. And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability. Is those two you were kinda focusing on as well? Yeah.","start_word":567,"end_word":626,"intents":[{"intent":"Identify underperforming funds","confidence_score":0.0012164272}]},{"text":"because of that, then, obviously, that kind of restricts a little bit of some investments.","start_word":766,"end_word":780,"intents":[{"intent":"Address portfolio constraints","confidence_score":0.026706401}]},{"text":"just focusing on growth in the in the in the near future.","start_word":1021,"end_word":1032,"intents":[{"intent":"Focus on growth","confidence_score":0.5565139}]},{"text":"But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment. Does that make sense?","start_word":1147,"end_word":1192,"intents":[{"intent":"Define investment options","confidence_score":0.0017740756},{"intent":"Explore investment options","confidence_score":0.00708768}]},{"text":"So so I'm kind of leaning towards, for for now at least, to move Yep. away a bit from the the heavy ethical ones. Okay.","start_word":1195,"end_word":1219,"intents":[{"intent":"Make a decision","confidence_score":0.000015281234}]},{"text":"So so I'm kind of leaning towards, for for now at least, to move Yep. away a bit from the the heavy ethical ones. Okay. Yep.","start_word":1195,"end_word":1220,"intents":[{"intent":"Evaluate risk","confidence_score":0.001835893}]},{"text":"And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor. How do you feel about tobacco?","start_word":1222,"end_word":1275,"intents":[{"intent":"Consider portfolio options","confidence_score":0.03412021}]},{"text":"How do you feel about tobacco? Is that really important to you?","start_word":1270,"end_word":1281,"intents":[{"intent":"Evaluate tobacco","confidence_score":0.013984466}]},{"text":"I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well.","start_word":1400,"end_word":1455,"intents":[{"intent":"Evaluate portfolio strengths","confidence_score":0.08617152}]},{"text":"So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you?","start_word":1772,"end_word":1808,"intents":[{"intent":"Determine maximum contributions","confidence_score":2.3115349e-7},{"intent":"Clarify cash flow projections","confidence_score":0.0009892669}]},{"text":"Does that sound month. reasonable? Yeah. So Yeah. Yeah. it's about $300 a week. So how much is the super is it is it 12% at the moment, or how much do it's the standard? 12. 12. Okay. Yep. Three. Yeah. That's probably right. Yep. Okay. So it's a month I it's would a monthly twelve month twelve hundred a month. yep.","start_word":1890,"end_word":1951,"intents":[{"intent":"Clarify monthly income","confidence_score":0.009746256}]},{"text":"So it's a month I it's would a monthly twelve month twelve hundred a month. yep.","start_word":1936,"end_word":1951,"intents":[{"intent":"Determine minimum monthly payments","confidence_score":0.0019732106},{"intent":"Confirm monthly payments","confidence_score":0.08179224},{"intent":"Determine monthly income","confidence_score":0.25577825},{"intent":"Determine maximum monthly earnings","confidence_score":0.00084227155},{"intent":"Determine monthly income","confidence_score":0.14650807},{"intent":"Determine monthly income","confidence_score":0.118756875}]},{"text":"And I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself. Do you know roughly kind of what you're on track to, what you expect to draw from the business? Yeah.","start_word":1962,"end_word":2009,"intents":[{"intent":"Determine expected income","confidence_score":0.012603266},{"intent":"Clarify upcoming business income","confidence_score":0.0000018214108},{"intent":"Evaluate financial forecast","confidence_score":0.00041831777}]},{"text":"Now has there been any other changes to your situation otherwise, any other changes to Yes. assets and stuff like that?","start_word":2047,"end_word":2067,"intents":[{"intent":"Clarify personal situation","confidence_score":0.00078629237}]},{"text":"Now I do wanna check as well because the beneficiary forms on your super as well. Yep. Because at the moment, we have your two children, but then you also have Steven listed. Would you like Yeah. me to resend those forms to get those updated? Yeah.","start_word":2532,"end_word":2578,"intents":[{"intent":"Update forms and documents","confidence_score":0.0007620776}]},{"text":"So just keep a lookout on that. Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you? Yeah.","start_word":2647,"end_word":2686,"intents":[{"intent":"Make improvements and adjustments","confidence_score":0.0011837862}]},{"text":"Now last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances. Did were you able to get that updated or still kind of on the to do list?","start_word":2735,"end_word":2786,"intents":[{"intent":"Check status","confidence_score":0.15369111}]},{"text":"It's on the computer's test. Yes. No. Perfect.","start_word":2786,"end_word":2793,"intents":[{"intent":"Run test","confidence_score":0.0016090344}]},{"text":"Well, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment. It might take a couple of weeks.","start_word":2794,"end_word":2824,"intents":[{"intent":"Investigate options","confidence_score":0.0001169419}]},{"text":"Well, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment. It might take a couple of weeks. I'll try to do it as quickly as I can for you. I'll give you a call. I'll run through the changes, and then you can let me know if you are happy with it, and then we can always take Okay. it Sounds from there. good.","start_word":2794,"end_word":2871,"intents":[{"intent":"Confirm information","confidence_score":0.21731192}]},{"text":"No. I think that's so one thing that was on my mind for a little while. So the so I've heard people are using the super also for buying investment property. Do you do that Mhmm. sort of stuff at all, or is it you're mainly just doing managing the funds as as a that Yeah. way?","start_word":2910,"end_word":2966,"intents":[{"intent":"Determine purpose of funds","confidence_score":6.0937197e-7}]},{"text":"But, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it. We can always reassess it. But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot Yeah.","start_word":3386,"end_word":3445,"intents":[{"intent":"Reassess super super","confidence_score":0.00094852166}]}]},"sentiments":{"segments":[{"text":"Good morning. Oakview Financial. This is Samantha. Hi, Samantha. Sorry. I just missed a call from Veronica. Oh, yes. Not a problem. What was your full name? Tina Carpenter. Okay, Tina. What I'll do is I'll just transfer you through to Veronica. Was now still a good time to have your chat with Veronica? Yes. Yep. Okay.","start_word":0,"end_word":56,"sentiment":"neutral","sentiment_score":0.10323117673397064},{"text":"Perfect.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.4798130691051483},{"text":"So just before I do transfer you through, Tina, I just need to confirm for security your date of birth and residential address. 04/28/1982. Yep. Mhmm. And 4949 A Roadmasterite D Y. Yes.","start_word":58,"end_word":90,"sentiment":"neutral","sentiment_score":0.07973974943161011},{"text":"Perfect. That's what we've got here, Tina.","start_word":91,"end_word":97,"sentiment":"positive","sentiment_score":0.4373141825199127},{"text":"I'll just transfer you through to Veronica, and she'll be the next person you speak with.","start_word":98,"end_word":113,"sentiment":"neutral","sentiment_score":0.28596681356430054},{"text":"Thank you. Thank you. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. Good morning, Tina.","start_word":114,"end_word":172,"sentiment":"positive","sentiment_score":0.4066367745399475},{"text":"This is Veronica. How are you? Hi, Veronica.","start_word":173,"end_word":180,"sentiment":"neutral","sentiment_score":0.24054259061813352},{"text":"I'm good. Thank you.","start_word":181,"end_word":184,"sentiment":"positive","sentiment_score":0.450379490852356},{"text":"How are you? Yeah.","start_word":185,"end_word":188,"sentiment":"neutral","sentiment_score":0.2471631765365601},{"text":"Good. Thanks. Thanks for returning my call.","start_word":189,"end_word":195,"sentiment":"positive","sentiment_score":0.463389128446579},{"text":"That's okay. The line is really, really quiet. Are you able to be closer to the mic? Is that any better? No. Not really. It sounds like you're in a box. Okay. I'll see if I look here because we just have, like, you know, one of those headsets that has the microphone close to to the mouth. So Yeah. I can't I can adjust it. But I'll see if I can turn it up, or maybe I'll just talk a bit louder, and I'll just Yeah. have to If apologize you can talk for a little my bit colleagues. like like I can barely barely hear you, so it's a bit harder. Yeah. Okay. Well, I'll just talk a just let me know to say, oh, sorry. And hopefully if not, I can try calling you back and see if the line somehow if it's really hard. Yeah. I I can hear you now, but it's it's just Okay. really quiet. Okay. Yeah. I have it on Mac, so I'm not sure if it's my end or if it's on your side, but I'll I'll just try to be a little bit louder. And, yeah, let me Yeah. know if you if you can't hear me. Okay. How's your morning been so far? Been busy or just kind of getting Yes. started?","start_word":196,"end_word":418,"sentiment":"neutral","sentiment_score":-0.0991828862594382},{"text":"So all good.","start_word":419,"end_word":421,"sentiment":"positive","sentiment_score":0.3959084749221802},{"text":"No mobility.","start_word":422,"end_word":423,"sentiment":"neutral","sentiment_score":0.0458487793803215},{"text":"Oh, that's good.","start_word":424,"end_word":426,"sentiment":"positive","sentiment_score":0.49730634689331055},{"text":"Now I did have you booked in because you wanted to talk a little bit about your investment, is that right, in your super? Yeah. Yeah. Yeah. And was there anything, you know, particular in regards to your investments? Or Yeah. I'm just kind of, like, looking at, like, how to shape my mhmm. how to shape my portfolio and how to shape myself and have a look at the the Subaru I've got because there was quite a large chunk of money in a in a in a fund that that wasn't really performing, and then there was out other ones that were outperforming that fund. So I'm just seeing if there's anything that can be done to it or if it's just worthwhile leaving it as it is and and see if time does the trick. Yes. Yeah. And I'm I'm having a bit of a look at your account at the moment. And having a look at it, the two that's kind of, I guess, kind of underperforming a little bit at the moment is the the beta shares global sustainability and then the Australian sustainability. Is those two you were kinda focusing on as well? Yeah. That yeah. That was the sustainability funds that were kind of flagging. Yeah. And it is quite it is quite, I guess, on point of the market and everything like that at the moment because of how those investments are structured and the design focus and, obviously, what is going on in the market. Because at the moment, with your portfolio, we do have you in a high growth portfolio, which do seem to see short term fluctuations a little bit in, obviously, long term trying to maximize the growth. And then, also, we do have the investments specifically targeted for the quite heavy ethical tool. So that is kind of, you know, the the foundation of the portfolio of how it's been constructed a little bit differently to kind of have that heavy ethical leaning option. And Yep. because of that, then, obviously, that kind of restricts a little bit of some investments. Obviously, make sure that we narrow down through what's obviously important to you as well with, obviously, the values around the ethical. Now if we were to kind of stay away or not have as heavy ethical tilt, there are better performing options out there, but it also comes into play well what is really important to you when it comes to the ethical, which kind of lead way is important. And if we look at, for example, the global sustainability, which is one of those that is a bigger portion of the portfolio, that kind of the foundation, that portfolio avoids fossil fuels and other industries that don't meet the sustainability standard as well. And because of that, it kind of excludes sectors like traditional energy, for example, that at the moment have performed pretty strongly. So because Yes. they don't own them, that hasn't obviously benefited from that rally at the moment. It also has a strong tilt towards quality global growth companies. And when the markets kind of rotate away from growth stocks for a period of time, also, the performance can look a little bit weaker. But it's kind of more like a cyclical trend, not like a structural issue with the that investment, if that makes sense. Yeah. Yeah. Yeah. No. I I get it. I'm just like like, the in between mindset of moving away from the sustainability Yeah. one and and Yeah. just focusing on growth in the in the in the near future. Yeah. And there is also, like it depends, I guess, with how heavy ethical because most of the investments that we would select in a if we call it a non typical investment, just like a a kind of a standard, they still exclude like, we don't have any investments that, like, includes, like, all cost of tearing, all done, or child labor, and stuff like that. We have that excludes tobacco as well. So if for you, it's more important to kind of have an in between where you want the growth and, let's say, those areas are the most important to you, that gives me more flexibility of potentially relook at the portfolio. But if you want, you know, that heavy ethical option, especially focusing on sustainability and reducing carbon and all of that, it does restrict a little bit on which options because a lot of those are kind of down at the moment. Does that make sense? Yeah. Yeah. So so I'm kind of leaning towards, for for now at least, to move Yep. away a bit from the the heavy ethical ones. Okay. Yep. Yep. And is that so, obviously, we'll we'll still I'll do some research on investments and come up with a a bit of a portfolio for you that we can run through and still making sure that we exclude, you know, the war and and gun and child labor. How do you feel about tobacco? Is that really important to you? Because some of the big ETFs have a little bit of tobacco underlying in them. I can choose other option that doesn't if it's really important to you or if it's not too much of a preference. I'm kind of not not Okay. very Okay. asked It's about more it, to be honest. okay. It's it's more the other areas like Warringdon and child labor, and stuff like that that's kind of higher up on the priority list? Yeah. Obviously, like, Yep. fat labor and Yes.","start_word":427,"end_word":1367,"sentiment":"neutral","sentiment_score":0.006452592388666399},{"text":"and war and that sort of, like, I don't support that Yes.","start_word":1368,"end_word":1379,"sentiment":"negative","sentiment_score":-0.34624364972114563},{"text":"sort of stuff. The cycle, Yeah. I'm just a bit, like, indifferent, to be honest. Okay. Okay.","start_word":1380,"end_word":1396,"sentiment":"neutral","sentiment_score":-0.181117445230484},{"text":"Well, that's good.","start_word":1397,"end_word":1399,"sentiment":"positive","sentiment_score":0.4252907335758209},{"text":"I'll I'll have a look at that, have a bit of a look at the portfolio to kinda still have, obviously, excluding all those areas, but see if we can kind of go into the areas that have kind of the opportunities at the moment with the global, but then also with the Australian as well. Because, obviously, the Australian share market is quite heavily driven by banks and mining companies. And at the moment, the investments that we have in Australia does exclude those as well. So if Yes. we can kind of incorporate at least a little bit of banking and stuff like that, then Yes.","start_word":1400,"end_word":1507,"sentiment":"neutral","sentiment_score":0.12242744117975236},{"text":"that would help improve the the performance.","start_word":1508,"end_word":1514,"sentiment":"positive","sentiment_score":0.4109308123588562},{"text":"So that gives me a bit more to work on. Now are you still comfortable with a high growth allocation to your investment otherwise? Yes. Yes. Yes. Okay.","start_word":1515,"end_word":1542,"sentiment":"neutral","sentiment_score":0.20629671216011047},{"text":"Perfect.","start_word":1543,"end_word":1543,"sentiment":"positive","sentiment_score":0.4615744352340698},{"text":"Now while I do have a look at the investments for you, I know that last time we spoke as well, the business was kind of quite new, and you were focusing and get that up and up and running. And at that time, you weren't really making any contributions because, obviously, you weren't really sure on income and stuff like that. How's that all kind of gone for you? Yeah. So I've my my business is up and running, and I've been, well, operating basically for about a year now. Yep. And during the year, I have done some contributions, Mhmm. Mhmm. but not to the same level what I was doing when I was full time employed. Yep. Yep. And is that fairly consistent? So, obviously, when part of when I do the research on your investments, I'll do some updated projections again for you just to see, obviously, the the changes. And it obviously makes a bit of a difference on the contribution. And so at the moment, I can have a little bit of a look here. I can see that on the the February 5, you deposited I think it was 1,292. Yes. And then let me see here. And then I think it was in September. So like you said, a little bit sporadic, obviously, Yeah. cash flow and stuff like that. So for the purpose of, obviously, doing all of this, do you want me do you think there's a consistent amount you can contribute make sure I get pretty up to date or accurate projections for you? Or I tried to do monthly, okay. at least. It was probably close to the what what I put in in of February, February. So that yeah. And I think that was a a two week. Maybe was it that a full month or or just a fortnightly? I don't remember. Okay. Probably Because a full I could yeah. Because I can only like see that one so far in February and Dan. a So maybe that was, full yeah, monthly. Does that sound month. reasonable? Yeah. So Yeah. Yeah. it's about $300 a week. So how much is the super is it is it 12% at the moment, or how much do it's the standard? 12. 12. Okay. Yep. Three. Yeah. That's probably right. Yep. Okay. So it's a month I it's would a monthly twelve month twelve hundred a month. yep. Perfect. So about 300 a week, 100 a month.","start_word":1544,"end_word":1960,"sentiment":"neutral","sentiment_score":0.038520707643861105},{"text":"Perfect.","start_word":1961,"end_word":1961,"sentiment":"positive","sentiment_score":0.375240296125412},{"text":"And I know as well with the income last time, because it was so new, you weren't really sure exactly what you would be able to pay yourself. Do you know roughly kind of what you're on track to, what you expect to draw from the business? Yeah. So I it's between $1.20 and $1.50 annual. Okay.","start_word":1962,"end_word":2018,"sentiment":"neutral","sentiment_score":0.06359819322824478},{"text":"That's good. That's good because I think I had here last time you were expecting or hoping to get around $1.","start_word":2019,"end_word":2039,"sentiment":"positive","sentiment_score":0.4223543703556061},{"text":"20.","start_word":2039,"end_word":2039,"sentiment":"neutral","sentiment_score":0.24550211429595947},{"text":"So Yeah. that's really good. Doing good.","start_word":2040,"end_word":2046,"sentiment":"positive","sentiment_score":0.655188798904419},{"text":"Now has there been any other changes to your situation otherwise, any other changes to Yes. assets and stuff like that? Because I have here as well that I think the property you had was the fifty fifty ownership between you and your your ex husband? Yes. Yeah. Yeah. Do you guys So still the have that? yeah. So the prop we've settled the the property, so he ended up buying me out. So I Okay. got a bit of cash from from that now. Oh, perfect. And is the property still wide at about 1.9? Yeah. I think that was where we landed Yes. on. And I Probably had here a bit that more, but yeah. do you think about two, or do you want me to leave Yeah. Just leave it it at at one nine. one nine? Yeah. And I had here that the mortgage at the time was around $9.30. Yeah. So I don't have a mortgage anymore, so he probably bought me out. So yeah.","start_word":2047,"end_word":2216,"sentiment":"neutral","sentiment_score":-0.027877667349051023},{"text":"Oh, perfect. That's good.","start_word":2217,"end_word":2220,"sentiment":"positive","sentiment_score":0.4808059334754944},{"text":"Do Yes. you still have the motor vehicle and the scooter otherwise? Yep. Perfect. I have here that you had an offset account with 20,000. Is that gone now as well? So I I have cash savings now. Yep. I no longer have the offset account, but, like, I've Yes. got about 400 k in savings. Okay.","start_word":2221,"end_word":2277,"sentiment":"neutral","sentiment_score":0.07675278931856155},{"text":"Perfect.","start_word":2278,"end_word":2278,"sentiment":"positive","sentiment_score":0.34060320258140564},{"text":"You also have a CommSec ETFs for about 15,010 thousand crypto investments. Yeah. So crypto are going up to 20, and I think the EPS is still around 15. About 15. Okay.","start_word":2279,"end_word":2310,"sentiment":"neutral","sentiment_score":0.15053464472293854},{"text":"Perfect.","start_word":2311,"end_word":2311,"sentiment":"positive","sentiment_score":0.33339524269104004},{"text":"And at the moment, you're still also kind of thinking of accessing Sue. So at 60 and ideally like to draw a weekly income of about $2,000 per week by the time you retire, ideally? Yes. Yeah. Okay. Perfect. Now I do wanna check here as well. Next of, Ken, at the moment, I have Steven noted down. Are you still happy with that, or would you like to change it? Yeah. I'd like to change that. Yep. Can can I just use my kids, or is it it needs to be a grown up? It is better next of 10 for a little bit older. Just it's more so next of 10 is just if for some reason we cannot get in touch with you at all. It's just someone Yeah. that we can call. Yeah. Okay. Well, then use my current partner. So Yep. Perfect. And what are their names? Tiago, t h I a g o, Perfect. And last name? Olivera. So that's olive as in the olive, Yep. Yep. and Mhmm. and I r a. Perfect. And best contact Let me just quickly get it. number? 0497277 Yep. 377. Yep. 227. 227.","start_word":2312,"end_word":2507,"sentiment":"neutral","sentiment_score":0.04246426499163618},{"text":"Perfect. Thank you so much.","start_word":2508,"end_word":2512,"sentiment":"positive","sentiment_score":0.6033610105514526},{"text":"Are you guys living living together, de facto, or or just Living together. partner? Okay.","start_word":2513,"end_word":2527,"sentiment":"neutral","sentiment_score":0.19802092015743256},{"text":"Perfect. De facto. Great.","start_word":2528,"end_word":2531,"sentiment":"positive","sentiment_score":0.4128863215446472},{"text":"Now I do wanna check as well because the beneficiary forms on your super as well. Yep. Because at the moment, we have your two children, but then you also have Steven listed. Would you like Yeah. me to resend those forms to get those updated? Yeah. If you could do that, that would Yep.","start_word":2532,"end_word":2586,"sentiment":"neutral","sentiment_score":0.11058288812637328},{"text":"be great. Perfect.","start_word":2587,"end_word":2589,"sentiment":"positive","sentiment_score":0.4646904170513153},{"text":"And, Tina, do you have access to a printer, or do you prefer post just because it has to be web signed? I don't have a printer, so Okay. call us We'll with me. just get it, Okay. yeah, we'll just get it express posted. I'll include a return envelope as well to make it easy.","start_word":2590,"end_word":2645,"sentiment":"neutral","sentiment_score":0.09343909472227097},{"text":"Thanks.","start_word":2646,"end_word":2646,"sentiment":"positive","sentiment_score":0.40700995922088623},{"text":"So just keep a lookout on that. Otherwise, is there any other areas you would like me to research, or is it mainly just those investments and see if we can make some tweaks and changes there for you? Yeah. That's the main main thing, really. Yep.","start_word":2647,"end_word":2693,"sentiment":"neutral","sentiment_score":0.1094450056552887},{"text":"Perfect.","start_word":2694,"end_word":2694,"sentiment":"positive","sentiment_score":0.4556560516357422},{"text":"And you're still happy with, like, your insurances and and all of that at the moment? I wanna Yeah. make any I think that's that was just recently done, changes. so I think that's Yep. fine. Yep. Okay. Perfect. Now last thing I do wanna check as well here, I have that you have a will in place, but you were looking at getting that updated as well, obviously, with the change in circumstances. Did were you able to get that updated or still kind of on the to do list? It's on the computer's test. Yes. No.","start_word":2695,"end_word":2792,"sentiment":"neutral","sentiment_score":0.08383150786465528},{"text":"Perfect.","start_word":2793,"end_word":2793,"sentiment":"positive","sentiment_score":0.5169337391853333},{"text":"Well, that was essentially everything that I needed to reconfirm there with you. So I will go and do this research on the investment. It might take a couple of weeks. I'll try to do it as quickly as I can for you. I'll give you a call. I'll run through the changes, and then you can let me know if you are happy with it, and then we can always take Okay. it Sounds from there.","start_word":2794,"end_word":2870,"sentiment":"neutral","sentiment_score":0.28488239645957947},{"text":"good. Yeah. Perfect.","start_word":2871,"end_word":2873,"sentiment":"positive","sentiment_score":0.527411699295044},{"text":"And keep a look at on the process while we get those forms sent out. But, otherwise, did you have any other questions or anything else for me while you do have me on the phone? No. I think that's so one thing that was on my mind for a little while. So the so I've heard people are using the super also for buying investment property. Do you do that Mhmm. sort of stuff at all, or is it you're mainly just doing managing the funds as as a that Yeah. way? We we definitely do it as well. So we're think, obviously, you're super for property. It would have to be for investment property, it would have to be through a self managed superannuation fund. Have Yeah. you heard of that before? I've heard of it. Yeah. Yeah. Sorry. It is definitely something we can look at if it is something that you do wanna explore later or whenever. Salesman and super funds can be really good for some people, but it is not for everybody because it is a lot more expensive. And it's also designed so you would manage and control the self managed super fund. So you would have to comply with all the legislation. You'd have to do, like, a yearly order and stuff like that. So there'll be an accountant involved to do all the order bidding and the paperwork associated with it. Obviously, if you do have a property, then you'll have potentially a mortgage broker that would do all of that and a loan attached to it to different trustees. Where we would come into play is if you would want to have an investment account within the self managed super fund. So similar to how your hub twenty four is set up with the investment, you can have that within self managed super fund. And if you wanted to manage and have that as part of the diversification, that's where we would come into play. Typically, with the the cost associated with it, assets is that a minimum amount just for for make it affordable from a cost side of it, not really factoring in property. It is a minimum of $2.50 Okay. just to make it affordable. Now some people say that up to 500 because it is a lot more running cost associated with it. Yeah. So Okay. I think at the moment where we're obviously trying to grow that focus for you with the super, I think the way that you currently have it based on your balance at the moment is is the best option or is a good option. But if it is something that you're down the track, you know, as your Yep. option. But if it is something that you down the track, you know, as your SuperGrove Yeah. want to explore more, then we can definitely have a look at that for you as well. Okay. So it might not be the time for us now, so I'll leave it as it is. Yeah. But, you know, if you did change your mind and you want, you know, how to look at it by we can definitely look at it. We can always reassess it.","start_word":2874,"end_word":3416,"sentiment":"neutral","sentiment_score":0.04553854539578791},{"text":"But I think based on the super at the moment balance wise, I think the cost would be quite a lot, and that would eat away a lot Yeah.","start_word":3417,"end_word":3445,"sentiment":"negative","sentiment_score":-0.448700487613678},{"text":"Okay. at your super at the moment. Alright. Yeah. But I'll make Well, I'll worth make a asking. little note anyway that it's Yeah. something we potentially wanna explore down the track. Yeah. Okay. Yeah.","start_word":3446,"end_word":3480,"sentiment":"neutral","sentiment_score":0.09720069936343602},{"text":"Thank Perfect. you.","start_word":3481,"end_word":3483,"sentiment":"positive","sentiment_score":0.6865147948265076},{"text":"Any other questions to No. That's Tina? it. No? Alright.","start_word":3484,"end_word":3493,"sentiment":"neutral","sentiment_score":0.12069734930992126},{"text":"Perfect. Well, I will let you go, and enjoy the rest of your afternoon. And I look forward to speaking with you soon again. Thank you. You too.","start_word":3494,"end_word":3521,"sentiment":"positive","sentiment_score":0.6618437170982361},{"text":"Mhmm. No problem. Bye. Bye bye.","start_word":3522,"end_word":3527,"sentiment":"neutral","sentiment_score":0.22115321457386017}],"average":{"sentiment":"neutral","sentiment_score":0.05742907310570063}}}}