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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know what that might be? Yeah. Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you. Do you know what that might be at all? That's okay. Take your time. I do have something else listed here. But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay. Yep. Yes. And just date of birth as well, please. Yeah. Perfect. Now the password I have on file for you is LoveSay0627. Would you like me to change that? No need? Okay. We'll just leave it. But if you do forget it, we can do like we did just now, which is just a date of birth and full name and stuff. That's okay as well. Yeah. Yeah. Perfect. Now before I kind of go go into the unreview with you, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any specific question or whether it's just a bit just a bit of an update and see what's happened in the last twelve months? That's okay. No. That's fine. No. That's okay. What I have done is I have sent you a new email just now with a couple of documents to go through. And part of that is the that fee arrangement anyway. So so it doesn't matter if the old one expire. That's okay. Yeah. Now, Sunny, do you have access to your emails right now? Yes. Yeah. Perfect. So I have just sent you an email just now, and it should say from Veronica. Did that come through okay at all on your end? Sure. Yep. Sometimes it ends up in the spam folder as well. Thank you. Perfect. Now we have just changed our software, so it might look a little bit different to what you are used to. But if you can open the email for me, now before you click on the link where it says sign now, can you see a couple of attachments in the bottom of the email? Yes. Perfect. So what I'll do is I'll just run through them with you and just explain what they are. Okay? Yes. So you should have the first two. So you should have one where it says Oakview services guide and one that says Oakview financial services guide version four. Can you see those? Yes, please. Yes. So I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time. But just for your reference, it is one of those compliance forms. It is the same one you do receive at Anybody at AnnualView. It is just an updated version. So none of the important information has changed, all the same. But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos. And you will also see all the advisers and the directors and everyone. And when you do have a look at it, you will also see myself if you do wanna put a face to the voice when you do have a look at the document. Is that okay? Yeah. Yeah. Perfect. Now what is the next attachment that you can see? Sure. Yes. Yep. Okay. Yeah. Just go back or close out of the PDF, and it should take you back to the email. Yes. Perfect. No. That's okay. Now what is the next one you have that you can open? What's that one called? Okay. I won't get you to open that one because that's similar to the other one. It's just a longer version. Okay. And what's next? Yes. Does that say super and insurance summary? Yes. Can you open this one for me? Yes. Okay. So what you should see in front of you, it is a breakdown of your super and your insurances. Now you have your super with hub twenty four, and you do have about $97,970 in there. Now you also have some insurances, and that is with a provider called ClearView. Now what you have is life and total permanent disability insurance, and that will cover you for $995,140. Okay? You also have an income protection policy. So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly. So it will give you a monthly benefit of $4,357 per month. You have a thirty day waiting period and a five year benefit period. Now all of those three is paid from super, so you don't pay for anything out of pocket. And after the tax rebate, the total premium for all three is $3,049. Does that all make sense? Yeah. Perfect. And you are happy with your insurances and everything? You don't need want to make any changes? Yes. Perfect. Now if you can close that one for me and then let me know what is the next document that you can see. Okay. Yep. Now this one here, it does show you your insurances again, but just in a little bit more information. But basically, lets you know that's all paid and up to date for you. Perfect. Now what is the next one you can see? Yes. Can you open that one for me? Yeah. Okay. Beat me to it. Now that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees. Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well. So we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation. And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation. Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world. So in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world. Yep. Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that. Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position. And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you. Does that make sense? Yes. So what I would like to do, if you are happy with that, it is switching just one of your investments. Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity. So this one here is recently underperforming a little bit. And if we don't foresee it being a good investment for you moving forward, we wanna change it. So what we have researched as an alternative option for you is one that is called beta shares Australia two hundred. Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified. So we want some in Australia and then some across the globe. Does that make sense? Yeah. Perfect. Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment. Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market. But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive. And sometimes it's worth it if they are performing really well, which they have been. But like I said, more recently, they've been a little bit slower with their decision. So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia. So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well. Are you happy for us to do that one change for you, Sunny? Yep. Perfect. So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice. Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made. So I will email that to you in the next couple of days. Have a bit of a look through it. You don't need to change it or anything. I I mean, sorry. You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility. Does that make sense? Yep. Beautiful. Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio. Do you remember what it means to be a growth investor at all? No. That's okay. Most people say the same. So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire. Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation. Now what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart. Let me know if you can see that. And it should be like a graph. Vanguard index chart. Yes. No. That's okay. Let me know when you can see that. Yeah. You can see it. Okay. Perfect. Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market. Now you can see here that this one goes from 1995 all the way through to 2025. And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term. The short term, depending on what is going on in the world, there is a bit of short term fluctuation. Does that make sense? Yeah. Perfect. Now what you can see as well with the different lines outlined, the different colors, that's the different assets classes. So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%. That is your top four combined. So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green. You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color. So about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super. And then we have 20% in those bottom three. So these are the ones that you can see. They don't grow near as much, but they're a little bit smoother. So we wanna make sure that even though we are growing your super, we don't want it to be high risk. We also want some of that expensive components to smooth things out for you. So that's your the defensive investment. Now when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around. So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market. So it's also important to look at time frames. And then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations. So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you. So from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk. Does that make sense? And are you still happy with, like, the level of risk and everything we currently have for you? Yeah. Beautiful. Now the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little link. Yeah. And there should be two documents it will ask you to sign. Now the first one you should see is that ongoing service agreement. Can you see that? It says consent to new ongoing fee arrangement, Or what can you see? Oh, yes. Sorry. That one, it will also ask you to add a signature for that one. Now this is just a compliance form. It's just basically to let you know we are keeping your tax file number secure and safe on file. And then do you have one after that? I just signed. That that will do. Yes. Which should be added digitally for you. If you can you press and it might ask you to draw a signature. Do you have to what? Sorry. Yes. You just have to usually draw a little signature. But sometimes if you've already used a similar system, it could already prefill it, and then you could just press, like, next. Yeah. That's okay. Sometimes technology is a bit tricky as well. It's great when it works. That's okay. You take your time and let me know if you get stuck. Yeah. Yep. Just just two. So just that tax file number and one more. And the other one, it is that ongoing service agreement. So that's the one you mentioned earlier as well that expired last time. But just so you know, that is just an ongoing service agreement just to say that you are happy to stay on as the client. Now the fee structure is not changing at all. It stays exactly the same at 1.65 from Super, so no changes, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So this lets us service your account and manage your investments and everything for you in until next time review. Oh, perfect. And did it say validate? Okay. Yes. Beautiful. I have seen that come through on my end, so thank you so much for that. Now it is also saved to your account if you ever wanna go back and have a look through any of these documents. If you get stuck, though, I always have a copy on file as well. So if it is that you want any of them at any point in time, I do have a digital copy for you. Now what I will go through next. Yes? It should already be there. If not, when you are in there, it should it should already send you an email. If not, when you're in here, it should you should be able to say, like, download or something, and then you can download the documents as well. Yep. Yep. Now what I do wanna quickly run through with you before I let you go and enjoy the rest of your afternoon, it is just a bit of an updated fact find, and that is just to see if there's anything major that has changed in your life, if we need to make any any changes or anything else. Okay? So just bear with me as I go through this information. Okay? Yep. Perfect. Now when it comes to your personal information, I have you down here as married with two children. Is that still the case? Perfect. And as a next of kin, so if something ever were to happen to you, I have Melody nominated. That's still correct as well? Yeah. Perfect. Now when it comes to your work, has anything changed for you in the last twelve months, or are you still working as an auto technician? Same? Perfect. When it comes to your income, I have that down at about 75,000. Is that still the case as well, or did that change? Still the same? Okay. And when it comes to assets, I have here that your property, last time we spoke, was valued at about 500,000. Do you know if that's roughly the same, or has that gone up a little bit? Yeah. Do you know roughly what you think it will be worth? Sure. Okay. So maybe, like, $5.50. Yeah. 5 50. Perfect. And I have here that the mortgage is around 365,000. Yep. Perfect. You also have a motor vehicle valued at about 30,000. Yep. And you don't have anything owing on that car, do you? No. Okay. Amazing. Now do you have any other assets in the last twelve months? Any other motor vehicles or boats or motorbikes or anything else? Okay. And how much is that one valued at? 5,500. And nothing owing on that one either? No. Okay. Perfect. Anything else? That's it. Perfect. Now do you have any other liabilities, like personal loans or credit cards or anything? No. No. No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still correct as well? Perfect. Perfect. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or any medication or anything? No. No. That's really good. That's what we like to hear. And do you have private health insurance? Yep. HD. And that's hospital and extras? Yep. Yep. Perfect. And lastly, when it comes to estate planning, do you have a will in place? Because I think last time we spoke, it was kind of on the to do list. Okay. Yeah. So under a little to do list. And I do have here that for your super and your insurances, if anything ever were to happen to you, that you would like 50% to your wife and 22 25% each to your children. Is that correct as well? Okay. Amazing. And are you do you are you involved directly in politics or anything like that or earn any income from overseas? No. Great. And the last thing I do wanted to check, which is usually a good thing to check-in during annual review time, is what you are kind of working towards or, you know, your goals for the next twelve months. So that next time when we do speak to you during annual review, we can kind of touch base to see if that's still the same or what you are working to or if anything has changed. So last time we spoke to you, you said that for the time being, your main focus or priority is to kinda pay down the mortgage, and that was kind of the main thing that you guys were working towards. Is that still the case? Yeah. Perfect. Do you have any other goals that you guys are working towards or or mainly just, like, the mortgage? Just okay. Perfect. Now, Sonya, that was everything that I needed to kind of go through on my end with you today. But before I let you go and enjoy your afternoon, do you have any other questions for me? Mhmm. Yep. That's okay. If it was the one that was sent a little while ago, that's okay. You don't have to you the fee? Yeah. No. It's okay. Now I can see that that was my colleague who sent it before the call today. So it was around, like, the April 21. But you can just ignore that because that is the same one you just signed with me today. So you can just, yeah, you can just ignore that one. You don't have to do anything because that's the one I included today for you as well just to make it easy so you don't have to sign through things. Yeah. Mhmm. Perfect. Do you have any other questions otherwise? Yeah. Yes. Yeah. So there yeah. It's a good question. There is a diff there's a couple of different ways depending on what you would like. Now we always say the most comprehensive way is to do it through a lawyer. That is the the best way, but we also understand that that's going to cost the most amount of money, and not everyone wants to pay for that. So as an alternative, what some people do, it is, like you said, a post office. So you can go to the post office, and they have, like, a will kit that you can complete yourself. The only thing with that I do wanna mention is that just read the instructions carefully and make sure you complete it correctly. So in the event that something were to happen, it's all kind of correct. And if you do decide to do it through the post office and if you would like us to keep a copy on file, like, with your insurances and super if something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you. Yep. Yes. Yes. Of course. Yes? Yeah. That is a good question. Let me get up. So each lawyer charges a little bit different depending on complexities and who they are. Now the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge. So if it's for a simple well for one person, they charge about $350. Now if you wanna nominate a power of attorney at the same time, it's another $3.50 or combined, it's $5.50. But they also do couples. So you can do, like, couple wheels for two people, and that's about $6.50 for for two. Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way? Yes. Perfect. Now I will get my team on to that. They have all finished for the day, so it might be tomorrow or later in the week. But just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that way. Yep. Perfect. That is a good question, though. But anything else I can help you with? That's it. Okay. If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call. We're always here if there is anything that you do need. Yep. Perfect. That's okay. Well, I will let you go and enjoy your afternoon. And like I said, anything that you need, just let me know. But, otherwise, it was lovely speaking with you this afternoon. No problem at all. We'll speak soon. Okay. 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afternoon. This is Veronica from Oakview Financial. How are you? I'm good. Thank you.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know what that might be? Yeah. Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you.\n\nDo you know what that might be at all? That's okay. Take your time. I do have something else listed here. But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay.\n\nYep. Yes. And just date of birth as well, please. Yeah. Perfect.\n\nNow the password I have on file for you is LoveSay0627. Would you like me to change that? No need? Okay. We'll just leave it.\n\nBut if you do forget it, we can do like we did just now, which is just a date of birth and full name and stuff. That's okay as well. Yeah. Yeah. Perfect.\n\nNow before I kind of go go into the unreview with you, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any specific question or whether it's just a bit just a bit of an update and see what's happened in the last twelve months? That's okay. No. That's fine. No.\n\nThat's okay. What I have done is I have sent you a new email just now with a couple of documents to go through. And part of that is the that fee arrangement anyway. So so it doesn't matter if the old one expire. That's okay.\n\nYeah. Now, Sunny, do you have access to your emails right now? Yes. Yeah. Perfect.\n\nSo I have just sent you an email just now, and it should say from Veronica. Did that come through okay at all on your end? Sure. Yep. Sometimes it ends up in the spam folder as well.\n\nThank you. Perfect. Now we have just changed our software, so it might look a little bit different to what you are used to. But if you can open the email for me, now before you click on the link where it says sign now, can you see a couple of attachments in the bottom of the email? Yes.\n\nPerfect. So what I'll do is I'll just run through them with you and just explain what they are. Okay? Yes. So you should have the first two.\n\nSo you should have one where it says Oakview services guide and one that says Oakview financial services guide version four. Can you see those? Yes, please. Yes. So I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time.\n\nBut just for your reference, it is one of those compliance forms. It is the same one you do receive at Anybody at AnnualView. It is just an updated version. So none of the important information has changed, all the same. But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos.\n\nAnd you will also see all the advisers and the directors and everyone. And when you do have a look at it, you will also see myself if you do wanna put a face to the voice when you do have a look at the document. Is that okay? Yeah. Yeah.\n\nPerfect. Now what is the next attachment that you can see? Sure. Yes. Yep.\n\nOkay. Yeah. Just go back or close out of the PDF, and it should take you back to the email. Yes. Perfect.\n\nNo. That's okay. Now what is the next one you have that you can open? What's that one called? Okay.\n\nI won't get you to open that one because that's similar to the other one. It's just a longer version. Okay. And what's next? Yes.\n\nDoes that say super and insurance summary? Yes. Can you open this one for me? Yes. Okay.\n\nSo what you should see in front of you, it is a breakdown of your super and your insurances. Now you have your super with hub twenty four, and you do have about $97,970 in there. Now you also have some insurances, and that is with a provider called ClearView. Now what you have is life and total permanent disability insurance, and that will cover you for $995,140. Okay?\n\nYou also have an income protection policy. So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly. So it will give you a monthly benefit of $4,357 per month. You have a thirty day waiting period and a five year benefit period. Now all of those three is paid from super, so you don't pay for anything out of pocket.\n\nAnd after the tax rebate, the total premium for all three is $3,049. Does that all make sense? Yeah. Perfect. And you are happy with your insurances and everything?\n\nYou don't need want to make any changes? Yes. Perfect. Now if you can close that one for me and then let me know what is the next document that you can see. Okay.\n\nYep. Now this one here, it does show you your insurances again, but just in a little bit more information. But basically, lets you know that's all paid and up to date for you. Perfect. Now what is the next one you can see?\n\nYes. Can you open that one for me? Yeah. Okay. Beat me to it.\n\nNow that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees. Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well. So we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation. And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation. Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world.\n\nSo in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world. Yep. Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that. Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position. And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you.\n\nDoes that make sense? Yes. So what I would like to do, if you are happy with that, it is switching just one of your investments. Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity. So this one here is recently underperforming a little bit.\n\nAnd if we don't foresee it being a good investment for you moving forward, we wanna change it. So what we have researched as an alternative option for you is one that is called beta shares Australia two hundred. Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified. So we want some in Australia and then some across the globe. Does that make sense?\n\nYeah. Perfect. Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment. Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market. But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive.\n\nAnd sometimes it's worth it if they are performing really well, which they have been. But like I said, more recently, they've been a little bit slower with their decision. So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia. So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well. Are you happy for us to do that one change for you, Sunny?\n\nYep. Perfect. So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice. Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made. So I will email that to you in the next couple of days.\n\nHave a bit of a look through it. You don't need to change it or anything. I I mean, sorry. You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility. Does that make sense?\n\nYep. Beautiful. Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio. Do you remember what it means to be a growth investor at all? No.\n\nThat's okay. Most people say the same. So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire. Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation. Now what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart.\n\nLet me know if you can see that. And it should be like a graph. Vanguard index chart. Yes. No.\n\nThat's okay. Let me know when you can see that. Yeah. You can see it. Okay.\n\nPerfect. Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market. Now you can see here that this one goes from 1995 all the way through to 2025. And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term. The short term, depending on what is going on in the world, there is a bit of short term fluctuation.\n\nDoes that make sense? Yeah. Perfect. Now what you can see as well with the different lines outlined, the different colors, that's the different assets classes. So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%.\n\nThat is your top four combined. So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green. You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color. So about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super. And then we have 20% in those bottom three.\n\nSo these are the ones that you can see. They don't grow near as much, but they're a little bit smoother. So we wanna make sure that even though we are growing your super, we don't want it to be high risk. We also want some of that expensive components to smooth things out for you. So that's your the defensive investment.\n\nNow when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around. So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market. So it's also important to look at time frames. And then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations. So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you.\n\nSo from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk. Does that make sense? And are you still happy with, like, the level of risk and everything we currently have for you? Yeah. Beautiful.\n\nNow the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little link. Yeah. And there should be two documents it will ask you to sign. Now the first one you should see is that ongoing service agreement. Can you see that?\n\nIt says consent to new ongoing fee arrangement, Or what can you see? Oh, yes. Sorry. That one, it will also ask you to add a signature for that one. Now this is just a compliance form.\n\nIt's just basically to let you know we are keeping your tax file number secure and safe on file. And then do you have one after that? I just signed. That that will do. Yes.\n\nWhich should be added digitally for you. If you can you press and it might ask you to draw a signature. Do you have to what? Sorry. Yes.\n\nYou just have to usually draw a little signature. But sometimes if you've already used a similar system, it could already prefill it, and then you could just press, like, next. Yeah. That's okay. Sometimes technology is a bit tricky as well.\n\nIt's great when it works. That's okay. You take your time and let me know if you get stuck. Yeah. Yep.\n\nJust just two. So just that tax file number and one more. And the other one, it is that ongoing service agreement. So that's the one you mentioned earlier as well that expired last time. But just so you know, that is just an ongoing service agreement just to say that you are happy to stay on as the client.\n\nNow the fee structure is not changing at all. It stays exactly the same at 1.65 from Super, so no changes, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So this lets us service your account and manage your investments and everything for you in until next time review. Oh, perfect.\n\nAnd did it say validate? Okay. Yes. Beautiful. I have seen that come through on my end, so thank you so much for that.\n\nNow it is also saved to your account if you ever wanna go back and have a look through any of these documents. If you get stuck, though, I always have a copy on file as well. So if it is that you want any of them at any point in time, I do have a digital copy for you. Now what I will go through next. Yes?\n\nIt should already be there. If not, when you are in there, it should it should already send you an email. If not, when you're in here, it should you should be able to say, like, download or something, and then you can download the documents as well. Yep. Yep.\n\nNow what I do wanna quickly run through with you before I let you go and enjoy the rest of your afternoon, it is just a bit of an updated fact find, and that is just to see if there's anything major that has changed in your life, if we need to make any any changes or anything else. Okay? So just bear with me as I go through this information. Okay? Yep.\n\nPerfect. Now when it comes to your personal information, I have you down here as married with two children. Is that still the case? Perfect. And as a next of kin, so if something ever were to happen to you, I have Melody nominated.\n\nThat's still correct as well? Yeah. Perfect. Now when it comes to your work, has anything changed for you in the last twelve months, or are you still working as an auto technician? Same?\n\nPerfect. When it comes to your income, I have that down at about 75,000. Is that still the case as well, or did that change? Still the same? Okay.\n\nAnd when it comes to assets, I have here that your property, last time we spoke, was valued at about 500,000. Do you know if that's roughly the same, or has that gone up a little bit? Yeah. Do you know roughly what you think it will be worth? Sure.\n\nOkay. So maybe, like, $5.50. Yeah. 5 50. Perfect.\n\nAnd I have here that the mortgage is around 365,000. Yep. Perfect. You also have a motor vehicle valued at about 30,000. Yep.\n\nAnd you don't have anything owing on that car, do you? No. Okay. Amazing. Now do you have any other assets in the last twelve months?\n\nAny other motor vehicles or boats or motorbikes or anything else? Okay. And how much is that one valued at? 5,500. And nothing owing on that one either?\n\nNo. Okay. Perfect. Anything else? That's it.\n\nPerfect. Now do you have any other liabilities, like personal loans or credit cards or anything? No. No. No.\n\nPerfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still correct as well? Perfect. Perfect.\n\nAnd have you had any changes to your health in the last twelve months? Any illnesses or injuries or any medication or anything? No. No. That's really good.\n\nThat's what we like to hear. And do you have private health insurance? Yep. HD. And that's hospital and extras?\n\nYep. Yep. Perfect. And lastly, when it comes to estate planning, do you have a will in place? Because I think last time we spoke, it was kind of on the to do list.\n\nOkay. Yeah. So under a little to do list. And I do have here that for your super and your insurances, if anything ever were to happen to you, that you would like 50% to your wife and 22 25% each to your children. Is that correct as well?\n\nOkay. Amazing. And are you do you are you involved directly in politics or anything like that or earn any income from overseas? No. Great.\n\nAnd the last thing I do wanted to check, which is usually a good thing to check-in during annual review time, is what you are kind of working towards or, you know, your goals for the next twelve months. So that next time when we do speak to you during annual review, we can kind of touch base to see if that's still the same or what you are working to or if anything has changed. So last time we spoke to you, you said that for the time being, your main focus or priority is to kinda pay down the mortgage, and that was kind of the main thing that you guys were working towards. Is that still the case? Yeah.\n\nPerfect. Do you have any other goals that you guys are working towards or or mainly just, like, the mortgage? Just okay. Perfect. Now, Sonya, that was everything that I needed to kind of go through on my end with you today.\n\nBut before I let you go and enjoy your afternoon, do you have any other questions for me? Mhmm. Yep. That's okay. If it was the one that was sent a little while ago, that's okay.\n\nYou don't have to you the fee? Yeah. No. It's okay. Now I can see that that was my colleague who sent it before the call today.\n\nSo it was around, like, the April 21. But you can just ignore that because that is the same one you just signed with me today. So you can just, yeah, you can just ignore that one. You don't have to do anything because that's the one I included today for you as well just to make it easy so you don't have to sign through things. Yeah.\n\nMhmm. Perfect. Do you have any other questions otherwise? Yeah. Yes.\n\nYeah. So there yeah. It's a good question. There is a diff there's a couple of different ways depending on what you would like. Now we always say the most comprehensive way is to do it through a lawyer.\n\nThat is the the best way, but we also understand that that's going to cost the most amount of money, and not everyone wants to pay for that. So as an alternative, what some people do, it is, like you said, a post office. So you can go to the post office, and they have, like, a will kit that you can complete yourself. The only thing with that I do wanna mention is that just read the instructions carefully and make sure you complete it correctly. So in the event that something were to happen, it's all kind of correct.\n\nAnd if you do decide to do it through the post office and if you would like us to keep a copy on file, like, with your insurances and super if something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you. Yep. Yes. Yes. Of course.\n\nYes? Yeah. That is a good question. Let me get up. So each lawyer charges a little bit different depending on complexities and who they are.\n\nNow the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge. So if it's for a simple well for one person, they charge about $350. Now if you wanna nominate a power of attorney at the same time, it's another $3.50 or combined, it's $5.50. But they also do couples. So you can do, like, couple wheels for two people, and that's about $6.50 for for two.\n\nWould you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way? Yes. Perfect. Now I will get my team on to that. They have all finished for the day, so it might be tomorrow or later in the week.\n\nBut just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that way. Yep. Perfect. That is a good question, though. But anything else I can help you with?\n\nThat's it. Okay. If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call. We're always here if there is anything that you do need. Yep.\n\nPerfect. That's okay. Well, I will let you go and enjoy your afternoon. And like I said, anything that you need, just let me know. But, otherwise, it was lovely speaking with you this afternoon.\n\nNo problem at all. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.24,"end":5.06,"sentiment":"positive","sentiment_score":0.4734784960746765},{"text":"This is Veronica from Oakview Financial.","start":5.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.3660147289435069},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.2782250642776489},{"text":"I'm good.","start":10.639999,"end":11.44,"sentiment":"positive","sentiment_score":0.6930408477783203},{"text":"Thank you.","start":11.44,"end":12.259999,"sentiment":"positive","sentiment_score":0.780821830034256}],"sentiment":"positive","sentiment_score":0.46169639428456627,"num_words":15,"start":4.24,"end":12.259999},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":12.885,"end":16.245,"sentiment":"positive","sentiment_score":0.5246135500761179},{"text":"Is now still a good time for you?","start":16.245,"end":17.945,"sentiment":"positive","sentiment_score":0.4547579325735569},{"text":"Yes.","start":20.085001,"end":20.585001,"sentiment":"neutral","sentiment_score":0.33280831575393677},{"text":"Perfect.","start":20.725,"end":21.225,"sentiment":"positive","sentiment_score":0.4623555839061737},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay.","start":22.325,"end":31.57,"sentiment":"neutral","sentiment_score":0.042865759982117294}],"sentiment":"neutral","sentiment_score":0.24031366443691346,"num_words":52,"start":12.885,"end":31.57},{"sentences":[{"text":"Perfect.","start":33.15,"end":33.65,"sentiment":"positive","sentiment_score":0.3646543323993683},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":34.510002,"end":40.510002,"sentiment":"neutral","sentiment_score":0.11360707804560662},{"text":"Do you know what that might be?","start":40.510002,"end":42.05,"sentiment":"neutral","sentiment_score":0.017352592200040817},{"text":"Yeah.","start":46.915,"end":47.155,"sentiment":"neutral","sentiment_score":0.01032861229032278},{"text":"Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you.","start":47.155,"end":58.620003,"sentiment":"neutral","sentiment_score":0.034644280560314655}],"sentiment":"neutral","sentiment_score":0.06559004397703368,"num_words":57,"start":33.15,"end":58.620003},{"sentences":[{"text":"Do you know what that might be at all?","start":59.56,"end":61.74,"sentiment":"neutral","sentiment_score":-0.00006335435642136449},{"text":"That's okay.","start":68.2,"end":68.840004,"sentiment":"neutral","sentiment_score":-0.01787854544818401},{"text":"Take your time.","start":68.840004,"end":69.735,"sentiment":"neutral","sentiment_score":-0.004114986086885135},{"text":"I do have something else listed here.","start":91.03,"end":93.69,"sentiment":"neutral","sentiment_score":0.019728123609508787},{"text":"But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay.","start":94.965,"end":105.305,"sentiment":"neutral","sentiment_score":0.0502626246213913}],"sentiment":"neutral","sentiment_score":0.029260657444272354,"num_words":46,"start":59.56,"end":105.305},{"sentences":[{"text":"Yep.","start":116.42,"end":116.92,"sentiment":"neutral","sentiment_score":0.02381395921111107},{"text":"Yes.","start":117.619995,"end":118.119995,"sentiment":"neutral","sentiment_score":0.04029113799333573},{"text":"And just date of birth as well, please.","start":120.145,"end":122.005,"sentiment":"neutral","sentiment_score":0.03961191908456385},{"text":"Yeah.","start":124.945,"end":125.345,"sentiment":"neutral","sentiment_score":0.1441526561975479},{"text":"Perfect.","start":125.345,"end":125.845,"sentiment":"positive","sentiment_score":0.37118950486183167}],"sentiment":"neutral","sentiment_score":0.07469521757836144,"num_words":12,"start":116.42,"end":125.845},{"sentences":[{"text":"Now the password I have on file for you is LoveSay0627.","start":126.305,"end":132.805,"sentiment":"neutral","sentiment_score":0.1317303627729416},{"text":"Would you like me to change that?","start":133.37,"end":135.54999,"sentiment":"neutral","sentiment_score":0.029246185507093157},{"text":"No need?","start":139.53,"end":140.17,"sentiment":"neutral","sentiment_score":-0.06119876727461815},{"text":"Okay.","start":140.17,"end":140.48999,"sentiment":"neutral","sentiment_score":0.040207818150520325},{"text":"We'll just leave it.","start":140.48999,"end":141.37,"sentiment":"neutral","sentiment_score":0.045446308329701424}],"sentiment":"neutral","sentiment_score":0.07013411223888397,"num_words":25,"start":126.305,"end":141.37},{"sentences":[{"text":"But if you do forget it, we can do like we did just now, which is just a date of birth and full name and stuff.","start":141.37,"end":147.84999,"sentiment":"neutral","sentiment_score":0.0922522285523323},{"text":"That's okay as well.","start":147.84999,"end":149.025,"sentiment":"neutral","sentiment_score":0.19820575416088104},{"text":"Yeah.","start":153.58499,"end":154.08499,"sentiment":"neutral","sentiment_score":0.034277819097042084},{"text":"Yeah.","start":155.50499,"end":155.985,"sentiment":"neutral","sentiment_score":0.1280963271856308},{"text":"Perfect.","start":155.985,"end":156.485,"sentiment":"neutral","sentiment_score":-0.044540196657180786}],"sentiment":"neutral","sentiment_score":0.10027923965544412,"num_words":33,"start":141.37,"end":156.485},{"sentences":[{"text":"Now before I kind of go go into the unreview with you, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any specific question or whether it's just a bit just a bit of an update and see what's happened in the last twelve months?","start":157.985,"end":177.58,"sentiment":"neutral","sentiment_score":0.04671176496582727},{"text":"That's okay.","start":191.81,"end":192.63,"sentiment":"neutral","sentiment_score":-0.19209402054548264},{"text":"No.","start":194.37,"end":194.87,"sentiment":"neutral","sentiment_score":-0.21862706542015076},{"text":"That's fine.","start":197.13,"end":200.37,"sentiment":"neutral","sentiment_score":-0.13598780147731304},{"text":"No.","start":200.37,"end":200.69,"sentiment":"neutral","sentiment_score":-0.19576114416122437}],"sentiment":"neutral","sentiment_score":0.026244758247313173,"num_words":66,"start":157.985,"end":200.69},{"sentences":[{"text":"That's okay.","start":200.69,"end":201.59,"sentiment":"neutral","sentiment_score":-0.11342629790306091},{"text":"What I have done is I have sent you a new email just now with a couple of documents to go through.","start":202.66501,"end":209.96501,"sentiment":"neutral","sentiment_score":0.04796207323670387},{"text":"And part of that is the that fee arrangement anyway.","start":210.425,"end":214.125,"sentiment":"neutral","sentiment_score":0.09344030618667602},{"text":"So so it doesn't matter if the old one expire.","start":214.18501,"end":216.74501,"sentiment":"neutral","sentiment_score":-0.007193021476268768},{"text":"That's okay.","start":216.74501,"end":217.565,"sentiment":"neutral","sentiment_score":0.09812655672430992}],"sentiment":"neutral","sentiment_score":0.04102258643378382,"num_words":46,"start":200.69,"end":217.565},{"sentences":[{"text":"Yeah.","start":219.69,"end":220.19,"sentiment":"neutral","sentiment_score":0.08549195528030396},{"text":"Now, Sunny, do you have access to your emails right now?","start":220.97,"end":223.87001,"sentiment":"neutral","sentiment_score":0.056094232269308784},{"text":"Yes.","start":226.73001,"end":227.23001,"sentiment":"neutral","sentiment_score":0.14743056893348694},{"text":"Yeah.","start":227.29001,"end":227.77,"sentiment":"neutral","sentiment_score":0.22708603739738464},{"text":"Perfect.","start":227.77,"end":228.27,"sentiment":"positive","sentiment_score":0.42160531878471375}],"sentiment":"neutral","sentiment_score":0.09991002902388572,"num_words":15,"start":219.69,"end":228.27},{"sentences":[{"text":"So I have just sent you an email just now, and it should say from Veronica.","start":228.73001,"end":235.36499,"sentiment":"neutral","sentiment_score":0.22586027067154646},{"text":"Did that come through okay at all on your end?","start":237.025,"end":239.685,"sentiment":"neutral","sentiment_score":0.20215997248888015},{"text":"Sure.","start":241.50499,"end":242.00499,"sentiment":"neutral","sentiment_score":0.02088901773095131},{"text":"Yep.","start":265.535,"end":266.035,"sentiment":"neutral","sentiment_score":-0.06448223441839218},{"text":"Sometimes it ends up in the spam folder as well.","start":266.41498,"end":269.555,"sentiment":"neutral","sentiment_score":-0.22015078812837602}],"sentiment":"neutral","sentiment_score":0.0892174462542722,"num_words":38,"start":228.73001,"end":269.555},{"sentences":[{"text":"Thank you.","start":271.77002,"end":272.59,"sentiment":"positive","sentiment_score":0.37082941830158234},{"text":"Perfect.","start":276.65,"end":277.15,"sentiment":"neutral","sentiment_score":0.331384539604187},{"text":"Now we have just changed our software, so it might look a little bit different to what you are used to.","start":279.37,"end":288.385,"sentiment":"neutral","sentiment_score":0.04711400540102096},{"text":"But if you can open the email for me, now before you click on the link where it says sign now, can you see a couple of attachments in the bottom of the email?","start":289.645,"end":303.97,"sentiment":"neutral","sentiment_score":0.035154629991773295},{"text":"Yes.","start":310.525,"end":311.025,"sentiment":"neutral","sentiment_score":0.2080816775560379}],"sentiment":"neutral","sentiment_score":0.05874197604923935,"num_words":59,"start":271.77002,"end":311.025},{"sentences":[{"text":"Perfect.","start":311.085,"end":311.585,"sentiment":"positive","sentiment_score":0.396623820066452},{"text":"So what I'll do is I'll just run through them with you and just explain what they are.","start":311.645,"end":317.00497,"sentiment":"neutral","sentiment_score":0.2204814147618082},{"text":"Okay?","start":317.00497,"end":317.50497,"sentiment":"neutral","sentiment_score":0.1169557124376297},{"text":"Yes.","start":319.085,"end":319.585,"sentiment":"neutral","sentiment_score":0.09078574180603027},{"text":"So you should have the first two.","start":319.88498,"end":323.44,"sentiment":"neutral","sentiment_score":0.07622859573790006}],"sentiment":"neutral","sentiment_score":0.18237967536385571,"num_words":28,"start":311.085,"end":323.44},{"sentences":[{"text":"So you should have one where it says Oakview services guide and one that says Oakview financial services guide version four.","start":323.44,"end":334.98,"sentiment":"neutral","sentiment_score":0.06848832326275962},{"text":"Can you see those?","start":335.36002,"end":336.5,"sentiment":"neutral","sentiment_score":0.06559718120843172},{"text":"Yes, please.","start":344.45502,"end":345.435,"sentiment":"neutral","sentiment_score":0.10112559422850609},{"text":"Yes.","start":354.79,"end":355.29,"sentiment":"neutral","sentiment_score":0.049379970878362656},{"text":"So I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time.","start":355.91,"end":366.20502,"sentiment":"neutral","sentiment_score":-0.27744049848667507}],"sentiment":"neutral","sentiment_score":-0.10690350497239515,"num_words":57,"start":323.44,"end":366.20502},{"sentences":[{"text":"But just for your reference, it is one of those compliance forms.","start":366.905,"end":372.58502,"sentiment":"neutral","sentiment_score":0.0723866168409586},{"text":"It is the same one you do receive at Anybody at AnnualView.","start":372.58502,"end":375.965,"sentiment":"neutral","sentiment_score":0.17985847344001135},{"text":"It is just an updated version.","start":377.065,"end":379.325,"sentiment":"neutral","sentiment_score":0.13352753967046738},{"text":"So none of the important information has changed, all the same.","start":379.84998,"end":384.83,"sentiment":"neutral","sentiment_score":0.10187721320173958},{"text":"But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos.","start":385.05,"end":392.59,"sentiment":"neutral","sentiment_score":0.19290942544567174}],"sentiment":"neutral","sentiment_score":0.15061612863625798,"num_words":70,"start":366.905,"end":392.59},{"sentences":[{"text":"And you will also see all the advisers and the directors and everyone.","start":393.435,"end":397.69498,"sentiment":"neutral","sentiment_score":0.2348585816530081},{"text":"And when you do have a look at it, you will also see myself if you do wanna put a face to the voice when you do have a look at the document.","start":398.31497,"end":406.175,"sentiment":"neutral","sentiment_score":0.1479974381174102},{"text":"Is that okay?","start":418.42,"end":419.32,"sentiment":"neutral","sentiment_score":0.12193200488885243},{"text":"Yeah.","start":421.355,"end":421.515,"sentiment":"neutral","sentiment_score":0.1292296200990677},{"text":"Yeah.","start":421.515,"end":421.835,"sentiment":"neutral","sentiment_score":0.22341057658195496}],"sentiment":"neutral","sentiment_score":0.16971594570022003,"num_words":51,"start":393.435,"end":421.835},{"sentences":[{"text":"Perfect.","start":421.835,"end":422.335,"sentiment":"positive","sentiment_score":0.42627376317977905},{"text":"Now what is the next attachment that you can see?","start":423.275,"end":426.73502,"sentiment":"neutral","sentiment_score":0.09936213158071042},{"text":"Sure.","start":429.355,"end":429.855,"sentiment":"neutral","sentiment_score":0.0600685253739357},{"text":"Yes.","start":439.84998,"end":440.34998,"sentiment":"neutral","sentiment_score":0.01186302863061428},{"text":"Yep.","start":445.545,"end":446.045,"sentiment":"neutral","sentiment_score":-0.015419378876686096}],"sentiment":"neutral","sentiment_score":0.10545766100819622,"num_words":14,"start":421.835,"end":446.045},{"sentences":[{"text":"Okay.","start":450.185,"end":450.685,"sentiment":"neutral","sentiment_score":0.0018976852297782896},{"text":"Yeah.","start":450.745,"end":451.245,"sentiment":"neutral","sentiment_score":0.04566269740462303},{"text":"Just go back or close out of the PDF, and it should take you back to the email.","start":451.545,"end":456.045,"sentiment":"neutral","sentiment_score":0.054921691512895957},{"text":"Yes.","start":456.62,"end":457.12,"sentiment":"neutral","sentiment_score":0.1063847616314888},{"text":"Perfect.","start":457.65997,"end":458.15997,"sentiment":"neutral","sentiment_score":0.12226125597953796}],"sentiment":"neutral","sentiment_score":0.05749076579443433,"num_words":22,"start":450.185,"end":458.15997},{"sentences":[{"text":"No.","start":458.37997,"end":458.62,"sentiment":"neutral","sentiment_score":-0.03644473850727081},{"text":"That's okay.","start":458.62,"end":459.36,"sentiment":"neutral","sentiment_score":0.03648977633565664},{"text":"Now what is the next one you have that you can open?","start":460.37997,"end":463.44,"sentiment":"neutral","sentiment_score":0.03864510621254643},{"text":"What's that one called?","start":463.58,"end":464.8,"sentiment":"neutral","sentiment_score":0.03163968026638031},{"text":"Okay.","start":468.46,"end":468.96,"sentiment":"neutral","sentiment_score":-0.025193197652697563}],"sentiment":"neutral","sentiment_score":0.030082080606371166,"num_words":20,"start":458.37997,"end":468.96},{"sentences":[{"text":"I won't get you to open that one because that's similar to the other one.","start":469.44498,"end":473.205,"sentiment":"neutral","sentiment_score":-0.12720076342423756},{"text":"It's just a longer version.","start":473.205,"end":474.66498,"sentiment":"neutral","sentiment_score":-0.10040121674537658},{"text":"Okay.","start":476.565,"end":477.04498,"sentiment":"neutral","sentiment_score":0.00777144730091095},{"text":"And what's next?","start":477.04498,"end":478.10498,"sentiment":"neutral","sentiment_score":0.0074417805299162865},{"text":"Yes.","start":493.14,"end":493.64,"sentiment":"neutral","sentiment_score":0.04097713530063629}],"sentiment":"neutral","sentiment_score":-0.09355774443596601,"num_words":25,"start":469.44498,"end":493.64},{"sentences":[{"text":"Does that say super and insurance summary?","start":493.86002,"end":496.6,"sentiment":"neutral","sentiment_score":0.024773130991629193},{"text":"Yes.","start":498.215,"end":498.615,"sentiment":"neutral","sentiment_score":0.06856240332126617},{"text":"Can you open this one for me?","start":498.615,"end":500.475,"sentiment":"neutral","sentiment_score":0.074918518108981},{"text":"Yes.","start":506.215,"end":506.715,"sentiment":"neutral","sentiment_score":0.12266357243061066},{"text":"Okay.","start":507.095,"end":507.595,"sentiment":"neutral","sentiment_score":0.13058748841285706}],"sentiment":"neutral","sentiment_score":0.0599797063452356,"num_words":17,"start":493.86002,"end":507.595},{"sentences":[{"text":"So what you should see in front of you, it is a breakdown of your super and your insurances.","start":508.375,"end":514.93,"sentiment":"neutral","sentiment_score":0.12182182504942543},{"text":"Now you have your super with hub twenty four, and you do have about $97,970 in there.","start":515.95,"end":526.77,"sentiment":"neutral","sentiment_score":0.12829516389790704},{"text":"Now you also have some insurances, and that is with a provider called ClearView.","start":528.655,"end":534.275,"sentiment":"neutral","sentiment_score":0.10217620698469025},{"text":"Now what you have is life and total permanent disability insurance, and that will cover you for $995,140.","start":535.295,"end":550.09,"sentiment":"neutral","sentiment_score":0.0878478679805994},{"text":"Okay?","start":550.47,"end":550.97,"sentiment":"neutral","sentiment_score":0.1030399426817894}],"sentiment":"neutral","sentiment_score":0.11029566559886587,"num_words":69,"start":508.375,"end":550.97},{"sentences":[{"text":"You also have an income protection policy.","start":552.07,"end":555.125,"sentiment":"neutral","sentiment_score":0.20291410386562347},{"text":"So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly.","start":555.125,"end":562.905,"sentiment":"neutral","sentiment_score":0.14878992557525636},{"text":"So it will give you a monthly benefit of $4,357 per month.","start":562.965,"end":571.16003,"sentiment":"neutral","sentiment_score":0.2468584974606832},{"text":"You have a thirty day waiting period and a five year benefit period.","start":572.10004,"end":578.28,"sentiment":"neutral","sentiment_score":0.18122073549490708},{"text":"Now all of those three is paid from super, so you don't pay for anything out of pocket.","start":579.085,"end":584.945,"sentiment":"neutral","sentiment_score":0.18293942966394955}],"sentiment":"neutral","sentiment_score":0.1833497084180514,"num_words":75,"start":552.07,"end":584.945},{"sentences":[{"text":"And after the tax rebate, the total premium for all three is $3,049.","start":585.805,"end":594.465,"sentiment":"neutral","sentiment_score":0.14432360117252058},{"text":"Does that all make sense?","start":594.89996,"end":596.19995,"sentiment":"neutral","sentiment_score":0.11854186058044433},{"text":"Yeah.","start":597.45996,"end":597.77997,"sentiment":"neutral","sentiment_score":0.2712726294994354},{"text":"Perfect.","start":597.77997,"end":598.27997,"sentiment":"positive","sentiment_score":0.6100291013717651},{"text":"And you are happy with your insurances and everything?","start":598.57996,"end":601.62,"sentiment":"positive","sentiment_score":0.5187011592917972}],"sentiment":"neutral","sentiment_score":0.2765009752635298,"num_words":29,"start":585.805,"end":601.62},{"sentences":[{"text":"You don't need want to make any changes?","start":601.62,"end":603.56,"sentiment":"neutral","sentiment_score":0.05852282792329788},{"text":"Yes.","start":605.77997,"end":606.27997,"sentiment":"positive","sentiment_score":0.4774155616760254},{"text":"Perfect.","start":606.42,"end":606.92,"sentiment":"positive","sentiment_score":0.5500395894050598},{"text":"Now if you can close that one for me and then let me know what is the next document that you can see.","start":608.575,"end":614.195,"sentiment":"neutral","sentiment_score":0.16506739284681238},{"text":"Okay.","start":621.07,"end":621.47003,"sentiment":"neutral","sentiment_score":0.13050565123558044}],"sentiment":"neutral","sentiment_score":0.15949098415234508,"num_words":34,"start":601.62,"end":621.47003},{"sentences":[{"text":"Yep.","start":621.47003,"end":621.97003,"sentiment":"neutral","sentiment_score":0.13999459147453308},{"text":"Now this one here, it does show you your insurances again, but just in a little bit more information.","start":622.11,"end":629.25,"sentiment":"neutral","sentiment_score":0.12365155470998664},{"text":"But basically, lets you know that's all paid and up to date for you.","start":630.75,"end":635.01,"sentiment":"neutral","sentiment_score":0.19257945460932596},{"text":"Perfect.","start":638.30505,"end":638.80505,"sentiment":"neutral","sentiment_score":0.2395685315132141},{"text":"Now what is the next one you can see?","start":639.025,"end":641.205,"sentiment":"neutral","sentiment_score":0.06240631557173199}],"sentiment":"neutral","sentiment_score":0.13606163334440102,"num_words":44,"start":621.47003,"end":641.205},{"sentences":[{"text":"Yes.","start":666.815,"end":667.21497,"sentiment":"neutral","sentiment_score":0.046587444841861725},{"text":"Can you open that one for me?","start":667.21497,"end":668.915,"sentiment":"neutral","sentiment_score":0.04200701309101922},{"text":"Yeah.","start":670.895,"end":671.21497,"sentiment":"neutral","sentiment_score":0.04426535964012146},{"text":"Okay.","start":671.21497,"end":671.71497,"sentiment":"neutral","sentiment_score":0.03691911697387695},{"text":"Beat me to it.","start":672.335,"end":673.475,"sentiment":"neutral","sentiment_score":0.0003427872434258461}],"sentiment":"neutral","sentiment_score":0.03022801157619272,"num_words":14,"start":666.815,"end":673.475},{"sentences":[{"text":"Now that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees.","start":673.83,"end":694.815,"sentiment":"neutral","sentiment_score":0.11862902700901032},{"text":"Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well.","start":695.83496,"end":705.72,"sentiment":"neutral","sentiment_score":-0.03345651990931594},{"text":"So we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation.","start":705.82,"end":715.185,"sentiment":"neutral","sentiment_score":-0.055818438762798905},{"text":"And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation.","start":716.205,"end":722.705,"sentiment":"neutral","sentiment_score":-0.06855152369193408},{"text":"Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world.","start":724.84503,"end":735.18,"sentiment":"positive","sentiment_score":0.5358762187617165}],"sentiment":"neutral","sentiment_score":0.08718184908753299,"num_words":151,"start":673.83,"end":735.18},{"sentences":[{"text":"So in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world.","start":735.24,"end":752.625,"sentiment":"positive","sentiment_score":0.6479645691812038},{"text":"Yep.","start":755.5,"end":756.0,"sentiment":"neutral","sentiment_score":0.1775449365377426},{"text":"Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that.","start":756.22,"end":765.27997,"sentiment":"neutral","sentiment_score":0.08518484217876737},{"text":"Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position.","start":766.175,"end":780.51495,"sentiment":"neutral","sentiment_score":0.3064024329862811},{"text":"And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you.","start":781.17,"end":796.675,"sentiment":"neutral","sentiment_score":0.03198856049113803}],"sentiment":"neutral","sentiment_score":0.2821801743764234,"num_words":152,"start":735.24,"end":796.675},{"sentences":[{"text":"Does that make sense?","start":796.675,"end":797.815,"sentiment":"neutral","sentiment_score":0.06280943006277084},{"text":"Yes.","start":799.47504,"end":799.97504,"sentiment":"neutral","sentiment_score":0.0704701691865921},{"text":"So what I would like to do, if you are happy with that, it is switching just one of your investments.","start":800.115,"end":806.215,"sentiment":"neutral","sentiment_score":0.052797898916261535},{"text":"Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity.","start":807.06995,"end":815.73,"sentiment":"neutral","sentiment_score":0.03533000675961375},{"text":"So this one here is recently underperforming a little bit.","start":816.67,"end":820.635,"sentiment":"neutral","sentiment_score":-0.09778249859809876}],"sentiment":"neutral","sentiment_score":0.020700694926615273,"num_words":56,"start":796.675,"end":820.635},{"sentences":[{"text":"And if we don't foresee it being a good investment for you moving forward, we wanna change it.","start":820.635,"end":826.815,"sentiment":"neutral","sentiment_score":-0.016709721129801538},{"text":"So what we have researched as an alternative option for you is one that is called beta shares Australia two hundred.","start":827.435,"end":837.91003,"sentiment":"neutral","sentiment_score":0.02553079312755948},{"text":"Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified.","start":838.77,"end":852.885,"sentiment":"neutral","sentiment_score":0.077175614837971},{"text":"So we want some in Australia and then some across the globe.","start":853.665,"end":856.625,"sentiment":"neutral","sentiment_score":0.06235761226465305},{"text":"Does that make sense?","start":856.625,"end":857.765,"sentiment":"neutral","sentiment_score":0.05503716133534908}],"sentiment":"neutral","sentiment_score":0.04375971211018143,"num_words":91,"start":820.635,"end":857.765},{"sentences":[{"text":"Yeah.","start":859.025,"end":859.34503,"sentiment":"neutral","sentiment_score":0.11069874465465546},{"text":"Perfect.","start":859.34503,"end":859.84503,"sentiment":"neutral","sentiment_score":0.20675909519195557},{"text":"Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment.","start":860.225,"end":868.77997,"sentiment":"neutral","sentiment_score":0.04904509256952084},{"text":"Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market.","start":869.31995,"end":881.045,"sentiment":"neutral","sentiment_score":0.00025398846446478274},{"text":"But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive.","start":881.505,"end":890.72504,"sentiment":"neutral","sentiment_score":-0.10543121929679598}],"sentiment":"neutral","sentiment_score":-0.0153558666226507,"num_words":88,"start":859.025,"end":890.72504},{"sentences":[{"text":"And sometimes it's worth it if they are performing really well, which they have been.","start":891.6,"end":896.02,"sentiment":"neutral","sentiment_score":0.21823622584342955},{"text":"But like I said, more recently, they've been a little bit slower with their decision.","start":896.72,"end":900.82,"sentiment":"neutral","sentiment_score":-0.23439302295446396},{"text":"So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia.","start":901.52,"end":912.205,"sentiment":"neutral","sentiment_score":0.14417932824841861},{"text":"So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well.","start":912.90497,"end":921.565,"sentiment":"positive","sentiment_score":0.543592587761257},{"text":"Are you happy for us to do that one change for you, Sunny?","start":922.8,"end":926.18,"sentiment":"positive","sentiment_score":0.47110573374308073}],"sentiment":"neutral","sentiment_score":0.23753529073376406,"num_words":95,"start":891.6,"end":926.18},{"sentences":[{"text":"Yep.","start":927.68,"end":928.07996,"sentiment":"neutral","sentiment_score":0.23670201003551483},{"text":"Perfect.","start":928.07996,"end":928.57996,"sentiment":"positive","sentiment_score":0.5623263120651245},{"text":"So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice.","start":928.95996,"end":938.425,"sentiment":"neutral","sentiment_score":0.21119877916795235},{"text":"Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made.","start":938.965,"end":947.065,"sentiment":"neutral","sentiment_score":0.17762725138001972},{"text":"So I will email that to you in the next couple of days.","start":947.765,"end":951.625,"sentiment":"neutral","sentiment_score":0.18286578013346746}],"sentiment":"neutral","sentiment_score":0.19818240998015887,"num_words":69,"start":927.68,"end":951.625},{"sentences":[{"text":"Have a bit of a look through it.","start":952.54,"end":953.57996,"sentiment":"neutral","sentiment_score":0.15504617616534233},{"text":"You don't need to change it or anything.","start":953.57996,"end":955.36,"sentiment":"neutral","sentiment_score":0.06153771746903658},{"text":"I I mean, sorry.","start":955.89996,"end":956.77997,"sentiment":"neutral","sentiment_score":0.09270908311009407},{"text":"You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility.","start":956.77997,"end":972.615,"sentiment":"neutral","sentiment_score":0.28827384796063854},{"text":"Does that make sense?","start":972.995,"end":974.13495,"sentiment":"neutral","sentiment_score":0.09250403940677643}],"sentiment":"neutral","sentiment_score":0.23054594261112152,"num_words":77,"start":952.54,"end":974.13495},{"sentences":[{"text":"Yep.","start":975.315,"end":975.795,"sentiment":"neutral","sentiment_score":0.16227994859218595},{"text":"Beautiful.","start":975.795,"end":976.295,"sentiment":"positive","sentiment_score":0.4564103484153747},{"text":"Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio.","start":977.235,"end":986.81,"sentiment":"neutral","sentiment_score":0.11307276962768464},{"text":"Do you remember what it means to be a growth investor at all?","start":988.31,"end":992.49,"sentiment":"neutral","sentiment_score":0.04764317807096701},{"text":"No.","start":995.605,"end":995.765,"sentiment":"neutral","sentiment_score":-0.05219223350286484}],"sentiment":"neutral","sentiment_score":0.09622669028672012,"num_words":37,"start":975.315,"end":995.765},{"sentences":[{"text":"That's okay.","start":995.765,"end":996.565,"sentiment":"neutral","sentiment_score":-0.007484889589250088},{"text":"Most people say the same.","start":996.565,"end":998.025,"sentiment":"neutral","sentiment_score":0.025004982575774194},{"text":"So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire.","start":998.965,"end":1011.92,"sentiment":"neutral","sentiment_score":0.09923250111086028},{"text":"Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation.","start":1013.66,"end":1024.995,"sentiment":"neutral","sentiment_score":0.0643400916898692},{"text":"Now what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart.","start":1026.735,"end":1041.2201,"sentiment":"neutral","sentiment_score":0.13501558577020964}],"sentiment":"neutral","sentiment_score":0.09801836104856597,"num_words":108,"start":995.765,"end":1041.2201},{"sentences":[{"text":"Let me know if you can see that.","start":1041.4401,"end":1043.14,"sentiment":"neutral","sentiment_score":0.0289865939412266},{"text":"And it should be like a graph.","start":1048.5751,"end":1050.1151,"sentiment":"neutral","sentiment_score":0.0566988294678075},{"text":"Vanguard index chart.","start":1058.3351,"end":1060.1951,"sentiment":"neutral","sentiment_score":-0.2189062386751175},{"text":"Yes.","start":1061.41,"end":1061.91,"sentiment":"neutral","sentiment_score":-0.04275984317064285},{"text":"No.","start":1062.13,"end":1062.37,"sentiment":"neutral","sentiment_score":-0.140565425157547}],"sentiment":"neutral","sentiment_score":-0.010562971327453851,"num_words":20,"start":1041.4401,"end":1062.37},{"sentences":[{"text":"That's okay.","start":1062.37,"end":1063.11,"sentiment":"neutral","sentiment_score":-0.06675405986607075},{"text":"Let me know when you can see that.","start":1063.49,"end":1065.1901,"sentiment":"neutral","sentiment_score":0.005513774696737528},{"text":"Yeah.","start":1065.41,"end":1065.91,"sentiment":"neutral","sentiment_score":0.021941490471363068},{"text":"You can see it.","start":1066.29,"end":1067.01,"sentiment":"neutral","sentiment_score":0.03404238726943731},{"text":"Okay.","start":1067.01,"end":1067.3301,"sentiment":"neutral","sentiment_score":0.2032773196697235}],"sentiment":"neutral","sentiment_score":0.01699940231628716,"num_words":16,"start":1062.37,"end":1067.3301},{"sentences":[{"text":"Perfect.","start":1067.3301,"end":1067.8301,"sentiment":"positive","sentiment_score":0.5688774585723877},{"text":"Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market.","start":1068.29,"end":1076.47,"sentiment":"positive","sentiment_score":0.3456286278863748},{"text":"Now you can see here that this one goes from 1995 all the way through to 2025.","start":1077.465,"end":1085.725,"sentiment":"neutral","sentiment_score":0.1325275586808429},{"text":"And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term.","start":1086.345,"end":1096.14,"sentiment":"neutral","sentiment_score":0.17861326507159642},{"text":"The short term, depending on what is going on in the world, there is a bit of short term fluctuation.","start":1096.68,"end":1101.8201,"sentiment":"neutral","sentiment_score":-0.05562668312340975}],"sentiment":"neutral","sentiment_score":0.16758622309749888,"num_words":97,"start":1067.3301,"end":1101.8201},{"sentences":[{"text":"Does that make sense?","start":1104.775,"end":1105.915,"sentiment":"neutral","sentiment_score":0.08145985752344131},{"text":"Yeah.","start":1107.015,"end":1107.3351,"sentiment":"neutral","sentiment_score":0.22464606165885925},{"text":"Perfect.","start":1107.3351,"end":1107.8351,"sentiment":"positive","sentiment_score":0.453817218542099},{"text":"Now what you can see as well with the different lines outlined, the different colors, that's the different assets classes.","start":1108.4551,"end":1116.2351,"sentiment":"neutral","sentiment_score":0.13035741969943046},{"text":"So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%.","start":1116.87,"end":1127.93,"sentiment":"neutral","sentiment_score":0.12770745724439622}],"sentiment":"neutral","sentiment_score":0.13341446147829877,"num_words":51,"start":1104.775,"end":1127.93},{"sentences":[{"text":"That is your top four combined.","start":1128.63,"end":1130.65,"sentiment":"neutral","sentiment_score":0.2334476187825203},{"text":"So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green.","start":1131.1849,"end":1137.605,"sentiment":"neutral","sentiment_score":0.14383445344865323},{"text":"You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color.","start":1138.065,"end":1147.29,"sentiment":"neutral","sentiment_score":0.13800885621458292},{"text":"So about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super.","start":1148.15,"end":1158.3301,"sentiment":"neutral","sentiment_score":0.2227349093666783},{"text":"And then we have 20% in those bottom three.","start":1159.405,"end":1163.745,"sentiment":"neutral","sentiment_score":0.15551098104980257}],"sentiment":"neutral","sentiment_score":0.17445382224612457,"num_words":86,"start":1128.63,"end":1163.745},{"sentences":[{"text":"So these are the ones that you can see.","start":1163.885,"end":1166.045,"sentiment":"neutral","sentiment_score":0.19578702085547978},{"text":"They don't grow near as much, but they're a little bit smoother.","start":1166.045,"end":1169.745,"sentiment":"neutral","sentiment_score":0.04621237019697825},{"text":"So we wanna make sure that even though we are growing your super, we don't want it to be high risk.","start":1170.365,"end":1175.94,"sentiment":"neutral","sentiment_score":-0.0067618368636994134},{"text":"We also want some of that expensive components to smooth things out for you.","start":1176.32,"end":1181.94,"sentiment":"neutral","sentiment_score":0.027067847549915314},{"text":"So that's your the defensive investment.","start":1182.32,"end":1184.98,"sentiment":"neutral","sentiment_score":0.12408313403526942}],"sentiment":"neutral","sentiment_score":0.05319486654573871,"num_words":62,"start":1163.885,"end":1184.98},{"sentences":[{"text":"Now when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around.","start":1186.585,"end":1198.8,"sentiment":"neutral","sentiment_score":0.10596791883547078},{"text":"So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market.","start":1198.8,"end":1204.1001,"sentiment":"neutral","sentiment_score":-0.15659186190792493},{"text":"So it's also important to look at time frames.","start":1204.56,"end":1207.04,"sentiment":"neutral","sentiment_score":-0.016387199362119038},{"text":"And then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations.","start":1207.04,"end":1218.275,"sentiment":"neutral","sentiment_score":0.012088007156682365},{"text":"So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you.","start":1219.6951,"end":1231.37,"sentiment":"neutral","sentiment_score":0.12816429915635483}],"sentiment":"neutral","sentiment_score":0.029138565867800604,"num_words":121,"start":1186.585,"end":1231.37},{"sentences":[{"text":"So from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk.","start":1231.6699,"end":1244.5449,"sentiment":"neutral","sentiment_score":0.2765757541515325},{"text":"Does that make sense?","start":1245.4049,"end":1246.6849,"sentiment":"neutral","sentiment_score":0.20712681859731674},{"text":"And are you still happy with, like, the level of risk and everything we currently have for you?","start":1246.6849,"end":1251.825,"sentiment":"neutral","sentiment_score":0.20436413399875164},{"text":"Yeah.","start":1253.005,"end":1253.485,"sentiment":"positive","sentiment_score":0.37942183017730713},{"text":"Beautiful.","start":1253.485,"end":1253.985,"sentiment":"positive","sentiment_score":0.5574023723602295}],"sentiment":"neutral","sentiment_score":0.2573187830106866,"num_words":62,"start":1231.6699,"end":1253.985},{"sentences":[{"text":"Now the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little link.","start":1255.325,"end":1268.91,"sentiment":"neutral","sentiment_score":0.19354735370035525},{"text":"Yeah.","start":1271.095,"end":1271.595,"sentiment":"neutral","sentiment_score":0.11421501636505128},{"text":"And there should be two documents it will ask you to sign.","start":1271.8151,"end":1276.555,"sentiment":"neutral","sentiment_score":0.11698398863275845},{"text":"Now the first one you should see is that ongoing service agreement.","start":1277.415,"end":1283.275,"sentiment":"neutral","sentiment_score":0.0962087232619524},{"text":"Can you see that?","start":1283.575,"end":1284.715,"sentiment":"neutral","sentiment_score":0.06890341266989708}],"sentiment":"neutral","sentiment_score":0.14596285285162075,"num_words":56,"start":1255.325,"end":1284.715},{"sentences":[{"text":"It says consent to new ongoing fee arrangement, Or what can you see?","start":1286.25,"end":1300.6849,"sentiment":"neutral","sentiment_score":0.054117600505168624},{"text":"Oh, yes.","start":1305.3849,"end":1306.0249,"sentiment":"neutral","sentiment_score":0.10335692763328552},{"text":"Sorry.","start":1306.0249,"end":1306.345,"sentiment":"neutral","sentiment_score":0.0966763198375702},{"text":"That one, it will also ask you to add a signature for that one.","start":1306.345,"end":1309.5,"sentiment":"neutral","sentiment_score":0.12385917135647365},{"text":"Now this is just a compliance form.","start":1309.74,"end":1312.06,"sentiment":"neutral","sentiment_score":0.22878343079771316}],"sentiment":"neutral","sentiment_score":0.11736301070935018,"num_words":37,"start":1286.25,"end":1312.06},{"sentences":[{"text":"It's just basically to let you know we are keeping your tax file number secure and safe on file.","start":1312.06,"end":1317.6,"sentiment":"neutral","sentiment_score":0.29726247724733856},{"text":"And then do you have one after that?","start":1320.22,"end":1322.24,"sentiment":"neutral","sentiment_score":0.07693291595205665},{"text":"I just signed.","start":1328.465,"end":1329.265,"sentiment":"neutral","sentiment_score":0.08710268884897232},{"text":"That that will do.","start":1329.265,"end":1330.385,"sentiment":"neutral","sentiment_score":0.13398756086826324},{"text":"Yes.","start":1330.385,"end":1330.885,"sentiment":"neutral","sentiment_score":0.14747294783592224}],"sentiment":"neutral","sentiment_score":0.20594804723347937,"num_words":35,"start":1312.06,"end":1330.885},{"sentences":[{"text":"Which should be added digitally for you.","start":1332.225,"end":1334.145,"sentiment":"neutral","sentiment_score":0.17275996719087874},{"text":"If you can you press and it might ask you to draw a signature.","start":1334.145,"end":1337.525,"sentiment":"neutral","sentiment_score":0.07842264643737248},{"text":"Do you have to what?","start":1355.925,"end":1356.7251,"sentiment":"neutral","sentiment_score":-0.016476422548294067},{"text":"Sorry.","start":1356.7251,"end":1357.2251,"sentiment":"neutral","sentiment_score":-0.08466954529285431},{"text":"Yes.","start":1361.6051,"end":1362.1051,"sentiment":"neutral","sentiment_score":0.03290509432554245}],"sentiment":"neutral","sentiment_score":0.07761036631252084,"num_words":28,"start":1332.225,"end":1362.1051},{"sentences":[{"text":"You just have to usually draw a little signature.","start":1363.5,"end":1366.16,"sentiment":"neutral","sentiment_score":0.01737533054418034},{"text":"But sometimes if you've already used a similar system, it could already prefill it, and then you could just press, like, next.","start":1366.38,"end":1372.88,"sentiment":"neutral","sentiment_score":-0.030005335638468914},{"text":"Yeah.","start":1376.475,"end":1376.975,"sentiment":"neutral","sentiment_score":-0.03848720341920853},{"text":"That's okay.","start":1377.7549,"end":1378.575,"sentiment":"neutral","sentiment_score":0.1404319815337658},{"text":"Sometimes technology is a bit tricky as well.","start":1394.97,"end":1397.21,"sentiment":"neutral","sentiment_score":-0.08953101933002472}],"sentiment":"neutral","sentiment_score":-0.023276447717632567,"num_words":42,"start":1363.5,"end":1397.21},{"sentences":[{"text":"It's great when it works.","start":1397.21,"end":1398.51,"sentiment":"neutral","sentiment_score":0.24524957984685897},{"text":"That's okay.","start":1401.305,"end":1401.9451,"sentiment":"neutral","sentiment_score":0.11048511415719986},{"text":"You take your time and let me know if you get stuck.","start":1401.9451,"end":1404.285,"sentiment":"neutral","sentiment_score":0.05061237188056111},{"text":"Yeah.","start":1405.785,"end":1406.285,"sentiment":"neutral","sentiment_score":0.020493246614933017},{"text":"Yep.","start":1428.375,"end":1428.875,"sentiment":"neutral","sentiment_score":0.07072412967681885}],"sentiment":"neutral","sentiment_score":0.10218018887653238,"num_words":21,"start":1397.21,"end":1428.875},{"sentences":[{"text":"Just just two.","start":1435.6549,"end":1436.715,"sentiment":"neutral","sentiment_score":0.03085106611251831},{"text":"So just that tax file number and one more.","start":1436.8099,"end":1439.95,"sentiment":"neutral","sentiment_score":0.07627413214908706},{"text":"And the other one, it is that ongoing service agreement.","start":1440.41,"end":1444.6699,"sentiment":"neutral","sentiment_score":0.09111262410879135},{"text":"So that's the one you mentioned earlier as well that expired last time.","start":1444.73,"end":1449.15,"sentiment":"neutral","sentiment_score":0.10763813182711601},{"text":"But just so you know, that is just an ongoing service agreement just to say that you are happy to stay on as the client.","start":1450.285,"end":1457.985,"sentiment":"neutral","sentiment_score":0.2969923233985901}],"sentiment":"neutral","sentiment_score":0.17523750712474187,"num_words":60,"start":1435.6549,"end":1457.985},{"sentences":[{"text":"Now the fee structure is not changing at all.","start":1458.8451,"end":1462.125,"sentiment":"neutral","sentiment_score":0.04427453006307284},{"text":"It stays exactly the same at 1.65 from Super, so no changes, and it is not a lock in contract.","start":1462.125,"end":1470.85,"sentiment":"neutral","sentiment_score":0.08363600596785545},{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1470.85,"end":1474.95,"sentiment":"neutral","sentiment_score":-0.03135063902785381},{"text":"So this lets us service your account and manage your investments and everything for you in until next time review.","start":1475.33,"end":1481.155,"sentiment":"neutral","sentiment_score":0.19762690924108028},{"text":"Oh, perfect.","start":1485.6951,"end":1486.255,"sentiment":"neutral","sentiment_score":0.28344978392124176}],"sentiment":"neutral","sentiment_score":0.0873379295664853,"num_words":69,"start":1458.8451,"end":1486.255},{"sentences":[{"text":"And did it say validate?","start":1486.255,"end":1487.715,"sentiment":"neutral","sentiment_score":0.11515569537878037},{"text":"Okay.","start":1493.55,"end":1494.05,"sentiment":"neutral","sentiment_score":0.12648573517799375},{"text":"Yes.","start":1494.59,"end":1494.99,"sentiment":"neutral","sentiment_score":0.26470476388931274},{"text":"Beautiful.","start":1494.99,"end":1495.49,"sentiment":"positive","sentiment_score":0.6143468618392944},{"text":"I have seen that come through on my end, so thank you so much for that.","start":1495.7101,"end":1499.41,"sentiment":"positive","sentiment_score":0.6271221730858088}],"sentiment":"positive","sentiment_score":0.48396960863222677,"num_words":24,"start":1486.255,"end":1499.41},{"sentences":[{"text":"Now it is also saved to your account if you ever wanna go back and have a look through any of these documents.","start":1499.63,"end":1505.17,"sentiment":"positive","sentiment_score":0.3448524060456649},{"text":"If you get stuck, though, I always have a copy on file as well.","start":1505.9249,"end":1509.9249,"sentiment":"neutral","sentiment_score":0.10445091261395387},{"text":"So if it is that you want any of them at any point in time, I do have a digital copy for you.","start":1509.9249,"end":1516.2649,"sentiment":"neutral","sentiment_score":0.1871912647848544},{"text":"Now what I will go through next.","start":1517.605,"end":1519.705,"sentiment":"neutral","sentiment_score":0.05396736998643194},{"text":"Yes?","start":1520.0299,"end":1520.5299,"sentiment":"neutral","sentiment_score":0.019059481099247932}],"sentiment":"neutral","sentiment_score":0.2072962981867878,"num_words":68,"start":1499.63,"end":1520.5299},{"sentences":[{"text":"It should already be there.","start":1525.07,"end":1526.6699,"sentiment":"neutral","sentiment_score":0.10736163705587387},{"text":"If not, when you are in there, it should it should already send you an email.","start":1526.6699,"end":1531.09,"sentiment":"neutral","sentiment_score":0.07895077904686332},{"text":"If not, when you're in here, it should you should be able to say, like, download or something, and then you can download the documents as well.","start":1532.27,"end":1541.6849,"sentiment":"neutral","sentiment_score":0.12602312655912506},{"text":"Yep.","start":1547.76,"end":1547.9199,"sentiment":"neutral","sentiment_score":0.06615161895751953},{"text":"Yep.","start":1547.9199,"end":1548.4199,"sentiment":"neutral","sentiment_score":0.014786109328269958}],"sentiment":"neutral","sentiment_score":0.10567165590822697,"num_words":50,"start":1525.07,"end":1548.4199},{"sentences":[{"text":"Now what I do wanna quickly run through with you before I let you go and enjoy the rest of your afternoon, it is just a bit of an updated fact find, and that is just to see if there's anything major that has changed in your life, if we need to make any any changes or anything else.","start":1550.08,"end":1566.685,"sentiment":"neutral","sentiment_score":0.10691842231583798},{"text":"Okay?","start":1566.685,"end":1567.185,"sentiment":"neutral","sentiment_score":0.05079454183578491},{"text":"So just bear with me as I go through this information.","start":1567.485,"end":1570.465,"sentiment":"neutral","sentiment_score":0.05352656272324649},{"text":"Okay?","start":1570.685,"end":1571.185,"sentiment":"neutral","sentiment_score":0.04855897277593613},{"text":"Yep.","start":1572.63,"end":1573.13,"sentiment":"neutral","sentiment_score":0.15132547914981842}],"sentiment":"neutral","sentiment_score":0.09791312466235194,"num_words":73,"start":1550.08,"end":1573.13},{"sentences":[{"text":"Perfect.","start":1573.1901,"end":1573.6901,"sentiment":"positive","sentiment_score":0.5048846006393433},{"text":"Now when it comes to your personal information, I have you down here as married with two children.","start":1574.15,"end":1581.77,"sentiment":"neutral","sentiment_score":0.10109766055312422},{"text":"Is that still the case?","start":1581.91,"end":1583.2101,"sentiment":"neutral","sentiment_score":0.056483928114175797},{"text":"Perfect.","start":1585.0449,"end":1585.5449,"sentiment":"positive","sentiment_score":0.34727466106414795},{"text":"And as a next of kin, so if something ever were to happen to you, I have Melody nominated.","start":1585.605,"end":1591.7849,"sentiment":"neutral","sentiment_score":0.2403574491802015}],"sentiment":"neutral","sentiment_score":0.17093473469669168,"num_words":44,"start":1573.1901,"end":1591.7849},{"sentences":[{"text":"That's still correct as well?","start":1592.085,"end":1593.7849,"sentiment":"neutral","sentiment_score":0.25680252313613894},{"text":"Yeah.","start":1595.125,"end":1595.605,"sentiment":"neutral","sentiment_score":0.14099830389022827},{"text":"Perfect.","start":1595.605,"end":1596.105,"sentiment":"neutral","sentiment_score":0.253482460975647},{"text":"Now when it comes to your work, has anything changed for you in the last twelve months, or are you still working as an auto technician?","start":1596.91,"end":1605.41,"sentiment":"neutral","sentiment_score":0.011047792262755908},{"text":"Same?","start":1607.63,"end":1608.13,"sentiment":"neutral","sentiment_score":0.026863502338528633}],"sentiment":"neutral","sentiment_score":0.058605867109316236,"num_words":34,"start":1592.085,"end":1608.13},{"sentences":[{"text":"Perfect.","start":1608.1901,"end":1608.6901,"sentiment":"neutral","sentiment_score":0.13017646968364716},{"text":"When it comes to your income, I have that down at about 75,000.","start":1609.435,"end":1614.5751,"sentiment":"neutral","sentiment_score":0.02040491009560915},{"text":"Is that still the case as well, or did that change?","start":1615.035,"end":1617.6951,"sentiment":"neutral","sentiment_score":-0.0024344441904263063},{"text":"Still the same?","start":1621.6901,"end":1622.41,"sentiment":"neutral","sentiment_score":-0.004216412082314491},{"text":"Okay.","start":1622.41,"end":1622.91,"sentiment":"neutral","sentiment_score":0.001556919887661934}],"sentiment":"neutral","sentiment_score":0.012329968912848112,"num_words":29,"start":1608.1901,"end":1622.91},{"sentences":[{"text":"And when it comes to assets, I have here that your property, last time we spoke, was valued at about 500,000.","start":1623.29,"end":1632.1901,"sentiment":"neutral","sentiment_score":-0.020619969282831465},{"text":"Do you know if that's roughly the same, or has that gone up a little bit?","start":1633.05,"end":1637.275,"sentiment":"neutral","sentiment_score":-0.03549104020930827},{"text":"Yeah.","start":1639.735,"end":1640.055,"sentiment":"neutral","sentiment_score":-0.005389634519815445},{"text":"Do you know roughly what you think it will be worth?","start":1640.055,"end":1643.1951,"sentiment":"neutral","sentiment_score":-0.019450938498431988},{"text":"Sure.","start":1650.4701,"end":1650.9701,"sentiment":"neutral","sentiment_score":0.015980571508407593}],"sentiment":"neutral","sentiment_score":-0.024084907695651053,"num_words":50,"start":1623.29,"end":1650.9701},{"sentences":[{"text":"Okay.","start":1656.31,"end":1656.79,"sentiment":"neutral","sentiment_score":0.015170459635555744},{"text":"So maybe, like, $5.50.","start":1656.79,"end":1658.49,"sentiment":"neutral","sentiment_score":0.0176455604378134},{"text":"Yeah.","start":1660.165,"end":1660.665,"sentiment":"neutral","sentiment_score":0.0242385845631361},{"text":"5 50.","start":1661.045,"end":1661.765,"sentiment":"neutral","sentiment_score":0.030871208757162094},{"text":"Perfect.","start":1661.765,"end":1662.265,"sentiment":"neutral","sentiment_score":0.16206568479537964}],"sentiment":"neutral","sentiment_score":0.03708882091773881,"num_words":9,"start":1656.31,"end":1662.265},{"sentences":[{"text":"And I have here that the mortgage is around 365,000.","start":1663.285,"end":1668.5851,"sentiment":"neutral","sentiment_score":0.0758234716951847},{"text":"Yep.","start":1671.7,"end":1672.1799,"sentiment":"neutral","sentiment_score":0.1502753347158432},{"text":"Perfect.","start":1672.1799,"end":1672.6799,"sentiment":"neutral","sentiment_score":0.2657477557659149},{"text":"You also have a motor vehicle valued at about 30,000.","start":1673.38,"end":1678.0399,"sentiment":"neutral","sentiment_score":0.12234029546380043},{"text":"Yep.","start":1681.1399,"end":1681.62,"sentiment":"neutral","sentiment_score":0.0673811137676239}],"sentiment":"neutral","sentiment_score":0.10717573373214058,"num_words":23,"start":1663.285,"end":1681.62},{"sentences":[{"text":"And you don't have anything owing on that car, do you?","start":1681.62,"end":1684.6799,"sentiment":"neutral","sentiment_score":0.015326259657740593},{"text":"No.","start":1686.1649,"end":1686.6649,"sentiment":"neutral","sentiment_score":-0.1200595647096634},{"text":"Okay.","start":1687.6849,"end":1688.005,"sentiment":"neutral","sentiment_score":0.1395675092935562},{"text":"Amazing.","start":1688.005,"end":1688.505,"sentiment":"neutral","sentiment_score":0.2595219016075134},{"text":"Now do you have any other assets in the last twelve months?","start":1688.885,"end":1692.1649,"sentiment":"neutral","sentiment_score":0.08305686712265015}],"sentiment":"neutral","sentiment_score":0.05555004261147518,"num_words":26,"start":1681.62,"end":1692.1649},{"sentences":[{"text":"Any other motor vehicles or boats or motorbikes or anything else?","start":1692.1649,"end":1697.465,"sentiment":"neutral","sentiment_score":0.07031416994604198},{"text":"Okay.","start":1700.34,"end":1700.84,"sentiment":"neutral","sentiment_score":0.02815951034426689},{"text":"And how much is that one valued at?","start":1700.8999,"end":1703.1599,"sentiment":"neutral","sentiment_score":0.017295502359047532},{"text":"5,500.","start":1706.74,"end":1708.0199,"sentiment":"neutral","sentiment_score":0.00954142026603222},{"text":"And nothing owing on that one either?","start":1708.0199,"end":1709.88,"sentiment":"neutral","sentiment_score":-0.07087127757923943}],"sentiment":"neutral","sentiment_score":0.016193638422659466,"num_words":28,"start":1692.1649,"end":1709.88},{"sentences":[{"text":"No.","start":1711.7251,"end":1712.2251,"sentiment":"neutral","sentiment_score":-0.262378454208374},{"text":"Okay.","start":1713.3251,"end":1713.805,"sentiment":"neutral","sentiment_score":0.1026781052350998},{"text":"Perfect.","start":1713.805,"end":1714.285,"sentiment":"positive","sentiment_score":0.3924069404602051},{"text":"Anything else?","start":1714.285,"end":1715.185,"sentiment":"neutral","sentiment_score":0.17298482358455658},{"text":"That's it.","start":1718.525,"end":1719.0851,"sentiment":"neutral","sentiment_score":0.08392622694373131}],"sentiment":"neutral","sentiment_score":0.10664695607764381,"num_words":7,"start":1711.7251,"end":1719.0851},{"sentences":[{"text":"Perfect.","start":1719.0851,"end":1719.5851,"sentiment":"positive","sentiment_score":0.3598348796367645},{"text":"Now do you have any other liabilities, like personal loans or credit cards or anything?","start":1720.365,"end":1725.8251,"sentiment":"neutral","sentiment_score":0.0283455869803826},{"text":"No.","start":1727.64,"end":1728.12,"sentiment":"neutral","sentiment_score":-0.2147141695022583},{"text":"No.","start":1728.12,"end":1728.62,"sentiment":"neutral","sentiment_score":-0.24989059567451477},{"text":"No.","start":1728.76,"end":1729.26,"sentiment":"neutral","sentiment_score":-0.020243141800165176}],"sentiment":"neutral","sentiment_score":0.0157984619666087,"num_words":19,"start":1719.0851,"end":1729.26},{"sentences":[{"text":"Perfect.","start":1729.32,"end":1729.82,"sentiment":"neutral","sentiment_score":0.26286041736602783},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":1730.2,"end":1735.6599,"sentiment":"neutral","sentiment_score":0.08316374523565173},{"text":"Is that still correct as well?","start":1736.2,"end":1737.8999,"sentiment":"neutral","sentiment_score":0.06241022733350595},{"text":"Perfect.","start":1739.735,"end":1740.235,"sentiment":"positive","sentiment_score":0.5054358243942261},{"text":"Perfect.","start":1741.015,"end":1741.4149,"sentiment":"positive","sentiment_score":0.42599231004714966}],"sentiment":"neutral","sentiment_score":0.11597479358315468,"num_words":25,"start":1729.32,"end":1741.4149},{"sentences":[{"text":"And have you had any changes to your health in the last twelve months?","start":1741.4149,"end":1745.1749,"sentiment":"neutral","sentiment_score":0.07323715729372841},{"text":"Any illnesses or injuries or any medication or anything?","start":1745.1749,"end":1749.9149,"sentiment":"neutral","sentiment_score":0.0084561701450083},{"text":"No.","start":1751.49,"end":1751.99,"sentiment":"neutral","sentiment_score":-0.14402087032794952},{"text":"No.","start":1752.05,"end":1752.37,"sentiment":"neutral","sentiment_score":-0.055639661848545074},{"text":"That's really good.","start":1752.37,"end":1753.25,"sentiment":"neutral","sentiment_score":0.2746012608210246}],"sentiment":"neutral","sentiment_score":0.06162746370370899,"num_words":28,"start":1741.4149,"end":1753.25},{"sentences":[{"text":"That's what we like to hear.","start":1753.25,"end":1754.63,"sentiment":"neutral","sentiment_score":0.23976032187541327},{"text":"And do you have private health insurance?","start":1755.41,"end":1757.75,"sentiment":"neutral","sentiment_score":0.028464567714503834},{"text":"Yep.","start":1760.29,"end":1760.79,"sentiment":"neutral","sentiment_score":0.03021690994501114},{"text":"HD.","start":1761.81,"end":1762.2101,"sentiment":"neutral","sentiment_score":0.015276089310646055},{"text":"And that's hospital and extras?","start":1762.2101,"end":1764.0701,"sentiment":"neutral","sentiment_score":0.01867274269461632}],"sentiment":"neutral","sentiment_score":0.08883353089913726,"num_words":20,"start":1753.25,"end":1764.0701},{"sentences":[{"text":"Yep.","start":1765.625,"end":1766.0249,"sentiment":"neutral","sentiment_score":0.07123204320669174},{"text":"Yep.","start":1766.0249,"end":1766.4249,"sentiment":"neutral","sentiment_score":0.13311068713665009},{"text":"Perfect.","start":1766.4249,"end":1766.9249,"sentiment":"neutral","sentiment_score":0.3170151114463806},{"text":"And lastly, when it comes to estate planning, do you have a will in place?","start":1767.7849,"end":1774.345,"sentiment":"neutral","sentiment_score":0.04226804996530215},{"text":"Because I think last time we spoke, it was kind of on the to do list.","start":1774.345,"end":1777.885,"sentiment":"neutral","sentiment_score":0.019231332931667566}],"sentiment":"neutral","sentiment_score":0.04303176229929223,"num_words":34,"start":1765.625,"end":1777.885},{"sentences":[{"text":"Okay.","start":1784.76,"end":1785.0801,"sentiment":"neutral","sentiment_score":0.06995569169521332},{"text":"Yeah.","start":1785.0801,"end":1785.4,"sentiment":"neutral","sentiment_score":0.07302413880825043},{"text":"So under a little to do list.","start":1785.4,"end":1787.02,"sentiment":"neutral","sentiment_score":0.08432450890541077},{"text":"And I do have here that for your super and your insurances, if anything ever were to happen to you, that you would like 50% to your wife and 22 25% each to your children.","start":1787.3201,"end":1804.175,"sentiment":"neutral","sentiment_score":0.11129950391394751},{"text":"Is that correct as well?","start":1804.395,"end":1805.935,"sentiment":"neutral","sentiment_score":0.07503632009029389}],"sentiment":"neutral","sentiment_score":0.10212072714859126,"num_words":49,"start":1784.76,"end":1805.935},{"sentences":[{"text":"Okay.","start":1806.51,"end":1807.01,"sentiment":"neutral","sentiment_score":0.28926968574523926},{"text":"Amazing.","start":1807.39,"end":1807.89,"sentiment":"positive","sentiment_score":0.3734102249145508},{"text":"And are you do you are you involved directly in politics or anything like that or earn any income from overseas?","start":1809.23,"end":1816.6901,"sentiment":"neutral","sentiment_score":0.06052996697170394},{"text":"No.","start":1818.525,"end":1819.025,"sentiment":"neutral","sentiment_score":0.037446681410074234},{"text":"Great.","start":1819.245,"end":1819.745,"sentiment":"neutral","sentiment_score":0.2436114400625229}],"sentiment":"neutral","sentiment_score":0.0885946935415268,"num_words":25,"start":1806.51,"end":1819.745},{"sentences":[{"text":"And the last thing I do wanted to check, which is usually a good thing to check-in during annual review time, is what you are kind of working towards or, you know, your goals for the next twelve months.","start":1820.6051,"end":1831.665,"sentiment":"neutral","sentiment_score":0.1478516365855168},{"text":"So that next time when we do speak to you during annual review, we can kind of touch base to see if that's still the same or what you are working to or if anything has changed.","start":1832.28,"end":1842.38,"sentiment":"neutral","sentiment_score":0.11607700731051532},{"text":"So last time we spoke to you, you said that for the time being, your main focus or priority is to kinda pay down the mortgage, and that was kind of the main thing that you guys were working towards.","start":1842.52,"end":1855.0651,"sentiment":"neutral","sentiment_score":0.06922837807796896},{"text":"Is that still the case?","start":1855.125,"end":1856.425,"sentiment":"neutral","sentiment_score":0.04448685050010681},{"text":"Yeah.","start":1857.62,"end":1858.12,"sentiment":"positive","sentiment_score":0.4096758961677551}],"sentiment":"neutral","sentiment_score":0.11034678991074812,"num_words":122,"start":1820.6051,"end":1858.12},{"sentences":[{"text":"Perfect.","start":1858.42,"end":1858.8201,"sentiment":"positive","sentiment_score":0.6966935396194458},{"text":"Do you have any other goals that you guys are working towards or or mainly just, like, the mortgage?","start":1858.8201,"end":1863.4801,"sentiment":"neutral","sentiment_score":0.2843212006907714},{"text":"Just okay.","start":1865.7001,"end":1867.0,"sentiment":"positive","sentiment_score":0.4180058389902115},{"text":"Perfect.","start":1867.14,"end":1867.64,"sentiment":"positive","sentiment_score":0.6054386496543884},{"text":"Now, Sonya, that was everything that I needed to kind of go through on my end with you today.","start":1867.9401,"end":1872.76,"sentiment":"positive","sentiment_score":0.4035885835948743}],"sentiment":"positive","sentiment_score":0.3621054706828935,"num_words":42,"start":1858.42,"end":1872.76},{"sentences":[{"text":"But before I let you go and enjoy your afternoon, do you have any other questions for me?","start":1873.755,"end":1879.775,"sentiment":"neutral","sentiment_score":0.2775983272327317},{"text":"Mhmm.","start":1886.25,"end":1886.75,"sentiment":"neutral","sentiment_score":-0.08766045421361923},{"text":"Yep.","start":1893.77,"end":1894.27,"sentiment":"neutral","sentiment_score":-0.0008991336217150092},{"text":"That's okay.","start":1897.625,"end":1898.265,"sentiment":"neutral","sentiment_score":0.10654829815030098},{"text":"If it was the one that was sent a little while ago, that's okay.","start":1898.265,"end":1902.8251,"sentiment":"neutral","sentiment_score":0.04160154131906373}],"sentiment":"neutral","sentiment_score":0.1584369021422592,"num_words":36,"start":1873.755,"end":1902.8251},{"sentences":[{"text":"You don't have to you the fee?","start":1902.8251,"end":1907.645,"sentiment":"neutral","sentiment_score":-0.00670117379299232},{"text":"Yeah.","start":1909.6399,"end":1910.1399,"sentiment":"neutral","sentiment_score":-0.01220680121332407},{"text":"No.","start":1923.495,"end":1923.6549,"sentiment":"neutral","sentiment_score":-0.20420557260513303},{"text":"It's okay.","start":1923.6549,"end":1924.395,"sentiment":"neutral","sentiment_score":-0.07757225073873997},{"text":"Now I can see that that was my colleague who sent it before the call today.","start":1925.1749,"end":1929.515,"sentiment":"neutral","sentiment_score":0.05998028605245054}],"sentiment":"neutral","sentiment_score":0.020045166110826865,"num_words":27,"start":1902.8251,"end":1929.515},{"sentences":[{"text":"So it was around, like, the April 21.","start":1929.735,"end":1932.875,"sentiment":"neutral","sentiment_score":0.05896307062357664},{"text":"But you can just ignore that because that is the same one you just signed with me today.","start":1933.4149,"end":1938.56,"sentiment":"neutral","sentiment_score":0.11500823166635302},{"text":"So you can just, yeah, you can just ignore that one.","start":1939.26,"end":1942.38,"sentiment":"neutral","sentiment_score":0.187625643204559},{"text":"You don't have to do anything because that's the one I included today for you as well just to make it easy so you don't have to sign through things.","start":1942.38,"end":1949.6001,"sentiment":"neutral","sentiment_score":0.2811639316380024},{"text":"Yeah.","start":1950.9651,"end":1951.4651,"sentiment":"neutral","sentiment_score":0.21938076615333557}],"sentiment":"neutral","sentiment_score":0.19500049302244887,"num_words":68,"start":1929.735,"end":1951.4651},{"sentences":[{"text":"Mhmm.","start":1951.6051,"end":1951.925,"sentiment":"neutral","sentiment_score":0.15917542576789856},{"text":"Perfect.","start":1951.925,"end":1952.3251,"sentiment":"positive","sentiment_score":0.33699512481689453},{"text":"Do you have any other questions otherwise?","start":1952.3251,"end":1954.185,"sentiment":"neutral","sentiment_score":0.1227098788533892},{"text":"Yeah.","start":1959.2051,"end":1959.7051,"sentiment":"neutral","sentiment_score":0.018056601285934448},{"text":"Yes.","start":1962.1799,"end":1962.6799,"sentiment":"neutral","sentiment_score":0.03469596058130264}],"sentiment":"neutral","sentiment_score":0.12799020585688678,"num_words":11,"start":1951.6051,"end":1962.6799},{"sentences":[{"text":"Yeah.","start":1970.8999,"end":1971.22,"sentiment":"neutral","sentiment_score":0.06998631358146667},{"text":"So there yeah.","start":1971.22,"end":1972.5,"sentiment":"neutral","sentiment_score":0.08230672155817349},{"text":"It's a good question.","start":1972.5,"end":1973.62,"sentiment":"neutral","sentiment_score":0.2308935523033142},{"text":"There is a diff there's a couple of different ways depending on what you would 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yourself.","start":1999.78,"end":2005.505,"sentiment":"neutral","sentiment_score":0.2063082106411457},{"text":"The only thing with that I do wanna mention is that just read the instructions carefully and make sure you complete it correctly.","start":2006.685,"end":2014.8651,"sentiment":"neutral","sentiment_score":0.27330263606880023},{"text":"So in the event that something were to happen, it's all kind of correct.","start":2015.3251,"end":2019.505,"sentiment":"positive","sentiment_score":0.44513956563813345}],"sentiment":"neutral","sentiment_score":0.15469497479129546,"num_words":101,"start":1985.255,"end":2019.505},{"sentences":[{"text":"And if you do decide to do it through the post office and if you would like us to keep a copy on file, like, with your insurances and super if something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you.","start":2020.59,"end":2038.665,"sentiment":"positive","sentiment_score":0.35167884093428414},{"text":"Yep.","start":2040.485,"end":2040.985,"sentiment":"neutral","sentiment_score":0.09733176231384276},{"text":"Yes.","start":2042.885,"end":2043.385,"sentiment":"neutral","sentiment_score":0.1014588624238968},{"text":"Yes.","start":2043.525,"end":2044.005,"sentiment":"neutral","sentiment_score":0.0671682059764862},{"text":"Of course.","start":2044.005,"end":2044.745,"sentiment":"neutral","sentiment_score":0.024729792028665543}],"sentiment":"neutral","sentiment_score":0.33045860872987437,"num_words":68,"start":2020.59,"end":2044.745},{"sentences":[{"text":"Yes?","start":2047.765,"end":2048.2651,"sentiment":"neutral","sentiment_score":0.0033815475180745125},{"text":"Yeah.","start":2048.9302,"end":2049.25,"sentiment":"neutral","sentiment_score":0.04640332609415054},{"text":"That is a good question.","start":2049.25,"end":2050.2102,"sentiment":"neutral","sentiment_score":0.1229946106672287},{"text":"Let me get up.","start":2050.2102,"end":2050.9302,"sentiment":"neutral","sentiment_score":0.08317997865378857},{"text":"So each lawyer charges a little bit different depending on complexities and who they are.","start":2050.9302,"end":2057.59,"sentiment":"neutral","sentiment_score":-0.014436751479903857}],"sentiment":"neutral","sentiment_score":0.030035637283267882,"num_words":26,"start":2047.765,"end":2057.59},{"sentences":[{"text":"Now the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge.","start":2057.81,"end":2066.185,"sentiment":"neutral","sentiment_score":0.1382837383835404},{"text":"So if it's for a simple well for one person, they charge about $350.","start":2067.0452,"end":2076.1052,"sentiment":"neutral","sentiment_score":0.06791342475584575},{"text":"Now if you wanna nominate a power of attorney at the same time, it's another $3.50 or combined, it's $5.50.","start":2078.9,"end":2091.16,"sentiment":"neutral","sentiment_score":0.10758709870278835},{"text":"But they also do couples.","start":2091.855,"end":2093.955,"sentiment":"neutral","sentiment_score":0.08706649988889695},{"text":"So you can do, like, couple wheels for two people, and that's about $6.50 for for two.","start":2094.335,"end":2102.435,"sentiment":"neutral","sentiment_score":0.12365105266080183}],"sentiment":"neutral","sentiment_score":0.11293483435748572,"num_words":83,"start":2057.81,"end":2102.435},{"sentences":[{"text":"Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way?","start":2105.95,"end":2117.25,"sentiment":"neutral","sentiment_score":0.2625956483185291},{"text":"Yes.","start":2118.795,"end":2119.195,"sentiment":"positive","sentiment_score":0.5208890438079834},{"text":"Perfect.","start":2119.195,"end":2119.695,"sentiment":"positive","sentiment_score":0.7926360368728638},{"text":"Now I will get my team on to that.","start":2119.835,"end":2121.435,"sentiment":"positive","sentiment_score":0.6694552567270067},{"text":"They have all finished for the day, so it might be tomorrow or later in the week.","start":2121.435,"end":2126.635,"sentiment":"positive","sentiment_score":0.4560442389372517}],"sentiment":"positive","sentiment_score":0.3764000056749758,"num_words":68,"start":2105.95,"end":2126.635},{"sentences":[{"text":"But just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that way.","start":2126.635,"end":2141.52,"sentiment":"neutral","sentiment_score":0.21604344686088356},{"text":"Yep.","start":2142.8599,"end":2143.3398,"sentiment":"neutral","sentiment_score":0.2717497944831848},{"text":"Perfect.","start":2143.3398,"end":2143.8198,"sentiment":"positive","sentiment_score":0.7398684620857239},{"text":"That is a good question, though.","start":2143.8198,"end":2145.26,"sentiment":"positive","sentiment_score":0.5898934106032053},{"text":"But anything else I can help you with?","start":2145.26,"end":2147.28,"sentiment":"neutral","sentiment_score":0.2905628699809313}],"sentiment":"neutral","sentiment_score":0.271185165090907,"num_words":62,"start":2126.635,"end":2147.28},{"sentences":[{"text":"That's it.","start":2149.305,"end":2149.945,"sentiment":"neutral","sentiment_score":0.11355614662170409},{"text":"Okay.","start":2149.945,"end":2150.425,"sentiment":"neutral","sentiment_score":0.22192534804344177},{"text":"If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call.","start":2150.425,"end":2158.105,"sentiment":"neutral","sentiment_score":0.22564150542020797},{"text":"We're always here if there is anything that you do need.","start":2158.105,"end":2160.525,"sentiment":"positive","sentiment_score":0.3755252970890565},{"text":"Yep.","start":2162.29,"end":2162.79,"sentiment":"positive","sentiment_score":0.47305285930633545}],"sentiment":"neutral","sentiment_score":0.2627136429150899,"num_words":45,"start":2149.305,"end":2162.79},{"sentences":[{"text":"Perfect.","start":2162.8499,"end":2163.3499,"sentiment":"positive","sentiment_score":0.7582051753997803},{"text":"That's okay.","start":2163.49,"end":2164.13,"sentiment":"positive","sentiment_score":0.6598755419254303},{"text":"Well, I will let you go and enjoy your afternoon.","start":2164.13,"end":2166.31,"sentiment":"positive","sentiment_score":0.7295850992202759},{"text":"And like I said, anything that you need, just let me know.","start":2166.8499,"end":2169.41,"sentiment":"positive","sentiment_score":0.4429751733938853},{"text":"But, otherwise, it was lovely speaking with you this afternoon.","start":2169.41,"end":2171.99,"sentiment":"positive","sentiment_score":0.7486247092485427}],"sentiment":"positive","sentiment_score":0.6335930407047272,"num_words":35,"start":2162.8499,"end":2171.99},{"sentences":[{"text":"No problem at all.","start":2176.647,"end":2177.687,"sentiment":"positive","sentiment_score":0.43449531495571136},{"text":"We'll speak soon.","start":2177.687,"end":2178.7468,"sentiment":"positive","sentiment_score":0.3564918438593547},{"text":"Okay.","start":2181.0469,"end":2181.4468,"sentiment":"neutral","sentiment_score":0.15295353531837463},{"text":"Bye.","start":2181.4468,"end":2181.9468,"sentiment":"neutral","sentiment_score":-0.10084956139326096}],"sentiment":"neutral","sentiment_score":0.3177289739251137,"num_words":9,"start":2176.647,"end":2181.9468}]}}]},{"alternatives":[{"transcript":"Hello? Sunny here. Hey. Good. How are you? Yeah. Yeah. It's good. It's good. Yeah. Yep. Sorry. What's that? Again? Wait a minute. I have to check. Yes. Wait. Wait. Yeah. It's 13677082. Yep. It's Sunny thinning with the Lario. 74 Burrows Loop, Midvale, WA 605 6. It's 02/22/1980. Yep. I think I no. No need. Oh, yes. You can just paste it. Because I missed the the one the emails regarding the the fee of the adviser. So I missed that one. I didn't accept it. So when I check it again, it's already due. So I can't open it anymore. Okay. Yep. Yep. Yeah. It's still the same. Still waiting. Okay. Yeah. I'll check it. Yeah. Yeah. I got it. Yeah. There is, like, six of them. Yep. Is this one I I I will open the the EDS one? Yep. That's the yeah. About Talk to your financial. Yeah. Yep. Yeah. Yeah. Yeah. I've seen it. Right. Is it the I just need to go back or because when I press press the go the back portion, is doesn't go back to the PDF file. Yeah. Yeah. Yeah. I got it. I got it. I got it. Sorry. Now is the financial services guide. Okay. Next is so this is the about the super. Yeah. Yeah. Yeah. Yeah. I did. So Yep. Yes. Yep. Yep. Yep. Yeah. Yeah. I'm good for now. Yeah. The certificate of currency. Yep. Oh, wait. I got it wrong. The second one, which is the performance with IRR. Yeah. I did already. Yes. Yep. Yeah. Yeah. Yep. Yep. I know. I don't remember. Is it the the same email? I don't I don't get one. Sorry. Yeah. Yeah. Yeah. I I opened it. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. The tax file number. I still have to put my full name in here or just sign? I there there's there's a is it okay? Because there's already a name here, but do I have to erase this one? Or because there's the my name is already in here. I see that it's too small. Yeah. Yeah. Yeah. But I'm using my I'm using my phone, and it and it's hard to sign. Or do I have a wait. I did see. No. If I press the sign all, it will be sign all of the documents? Or Yeah. I did already. Yeah. It's it's just the the May 13. It it will sorry. It it will be sent through my email, or it's already in my email? Yeah. Yeah. Yep. Okay. Yep. Yep. Yes. Yeah. Same. I think it's still the same. Yeah. Yeah. I think it's gone up. Maybe, like let me have a look. Maybe just around, like, less than 600, I think. Yeah. Yeah. Yeah. Just put it $5.50. Yeah. Yeah. Yeah. That's right. Yep. No. It's already been paid off. Yeah. Just just one for my daughter. It's only 5,500. No. No. No. It's been paid off. Yeah. That's it. No. No. I don't I don't have one. Yes. Still the same. Still correct. No. Nothing at all. Yes. Still with HVF. Yeah. Yeah. Yeah. Yeah. Yeah. That's the one I'm I will do before the end of this year. Yeah. Yep. Yeah. That's correct. Nah. Yeah. It's still the same. Yeah. Yeah. Yeah. Mainly the mortgage. I don't know if it's for you because, you know, the one I received no. Wait. Wait. Wait. I will check my email because I forgot to sign this off. Yeah. Yeah. Yeah. The one with the the pay the where is it? Yeah. The payment for what do you call this? The regarding about the yeah. My mind is not working. Okay. I yes. That's good. I I have one question. Regarding with that, you know, the the wheel, where can I get it? Is it just on the Australia Coast or somewhere else? Yep. Last last one. If I'm going to go for, like, a lawyer, how much it will cost? Okay. Okay. Yeah. Yes, please. Yep. All good. Yeah. That's I think that's all for now. Yep. Thank you very much. Yep. All good. Thank you very much for your time. Yeah. 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Sunny here. Hey. Good. How are you?\n\nYeah. Yeah. It's good. It's good. Yeah.\n\nYep. Sorry. What's that? Again? Wait a minute.\n\nI have to check. Yes. Wait. Wait. Yeah.\n\nIt's 13677082. Yep. It's Sunny thinning with the Lario. 74 Burrows Loop, Midvale, WA 605 6. It's 02/22/1980.\n\nYep. I think I no. No need. Oh, yes. You can just paste it.\n\nBecause I missed the the one the emails regarding the the fee of the adviser. So I missed that one. I didn't accept it. So when I check it again, it's already due. So I can't open it anymore.\n\nOkay. Yep. Yep. Yeah. It's still the same.\n\nStill waiting. Okay. Yeah. I'll check it. Yeah.\n\nYeah. I got it. Yeah. There is, like, six of them. Yep.\n\nIs this one I I I will open the the EDS one? Yep. That's the yeah. About Talk to your financial. Yeah.\n\nYep. Yeah. Yeah. Yeah. I've seen it.\n\nRight. Is it the I just need to go back or because when I press press the go the back portion, is doesn't go back to the PDF file. Yeah. Yeah. Yeah.\n\nI got it. I got it. I got it. Sorry. Now is the financial services guide.\n\nOkay. Next is so this is the about the super. Yeah. Yeah. Yeah.\n\nYeah. I did. So Yep. Yes. Yep.\n\nYep. Yep. Yeah. Yeah. I'm good for now.\n\nYeah. The certificate of currency. Yep. Oh, wait. I got it wrong.\n\nThe second one, which is the performance with IRR. Yeah. I did already. Yes. Yep.\n\nYeah. Yeah. Yep. Yep. I know.\n\nI don't remember. Is it the the same email? I don't I don't get one. Sorry. Yeah.\n\nYeah. Yeah. I I opened it. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nThe tax file number. I still have to put my full name in here or just sign? I there there's there's a is it okay? Because there's already a name here, but do I have to erase this one? Or because there's the my name is already in here.\n\nI see that it's too small. Yeah. Yeah. Yeah. But I'm using my I'm using my phone, and it and it's hard to sign.\n\nOr do I have a wait. I did see. No. If I press the sign all, it will be sign all of the documents? Or Yeah.\n\nI did already. Yeah. It's it's just the the May 13. It it will sorry. It it will be sent through my email, or it's already in my email?\n\nYeah. Yeah. Yep. Okay. Yep.\n\nYep. Yes. Yeah. Same. I think it's still the same.\n\nYeah. Yeah. I think it's gone up. Maybe, like let me have a look. Maybe just around, like, less than 600, I think.\n\nYeah. Yeah. Yeah. Just put it $5.50. Yeah.\n\nYeah. Yeah. That's right. Yep. No.\n\nIt's already been paid off. Yeah. Just just one for my daughter. It's only 5,500. No.\n\nNo. No. It's been paid off. Yeah. That's it.\n\nNo. No. I don't I don't have one. Yes. Still the same.\n\nStill correct. No. Nothing at all. Yes. Still with HVF.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nThat's the one I'm I will do before the end of this year. Yeah. Yep. Yeah. That's correct.\n\nNah. Yeah. It's still the same. Yeah. Yeah.\n\nYeah. Mainly the mortgage. I don't know if it's for you because, you know, the one I received no. Wait. Wait.\n\nWait. I will check my email because I forgot to sign this off. Yeah. Yeah. Yeah.\n\nThe one with the the pay the where is it? Yeah. The payment for what do you call this? The regarding about the yeah. My mind is not working.\n\nOkay. I yes. That's good. I I have one question. Regarding with that, you know, the the wheel, where can I get it?\n\nIs it just on the Australia Coast or somewhere else? Yep. Last last one. If I'm going to go for, like, a lawyer, how much it will cost? Okay.\n\nOkay. Yeah. Yes, please. Yep. All good.\n\nYeah. That's I think that's all for now. Yep. Thank you very much. Yep.\n\nAll good. Thank you very much for your time. Yeah. 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it.","start":1717.6951,"end":1718.515,"sentiment":"neutral","sentiment_score":0.06067059561610222}],"sentiment":"neutral","sentiment_score":-0.1054729496439298,"num_words":9,"start":1710.96,"end":1718.515},{"sentences":[{"text":"No.","start":1726.495,"end":1726.735,"sentiment":"neutral","sentiment_score":-0.08345886319875717},{"text":"No.","start":1726.735,"end":1726.895,"sentiment":"neutral","sentiment_score":-0.10648862272500992},{"text":"I don't I don't have one.","start":1726.895,"end":1728.62,"sentiment":"neutral","sentiment_score":-0.16491587708393732},{"text":"Yes.","start":1738.28,"end":1738.68,"sentiment":"neutral","sentiment_score":0.07682409137487411},{"text":"Still the same.","start":1738.68,"end":1739.5801,"sentiment":"neutral","sentiment_score":0.09993591532111168}],"sentiment":"neutral","sentiment_score":-0.06690090925743182,"num_words":12,"start":1726.495,"end":1739.5801},{"sentences":[{"text":"Still correct.","start":1739.625,"end":1740.525,"sentiment":"neutral","sentiment_score":0.23837810754776},{"text":"No.","start":1750.505,"end":1750.745,"sentiment":"neutral","sentiment_score":-0.1373315155506134},{"text":"Nothing at all.","start":1750.745,"end":1751.7,"sentiment":"neutral","sentiment_score":-0.12353499978780746},{"text":"Yes.","start":1758.6599,"end":1759.1399,"sentiment":"neutral","sentiment_score":0.03318687900900841},{"text":"Still with HVF.","start":1759.1399,"end":1760.84,"sentiment":"neutral","sentiment_score":0.028290824964642525}],"sentiment":"neutral","sentiment_score":0.00868790540844202,"num_words":10,"start":1739.625,"end":1760.84},{"sentences":[{"text":"Yeah.","start":1764.58,"end":1764.8999,"sentiment":"neutral","sentiment_score":0.039739660918712616},{"text":"Yeah.","start":1764.8999,"end":1765.335,"sentiment":"neutral","sentiment_score":0.053305745124816895},{"text":"Yeah.","start":1776.855,"end":1777.255,"sentiment":"neutral","sentiment_score":0.04118489474058151},{"text":"Yeah.","start":1777.255,"end":1777.59,"sentiment":"neutral","sentiment_score":0.04348387569189072},{"text":"Yeah.","start":1778.5499,"end":1779.0499,"sentiment":"neutral","sentiment_score":0.06585090607404709}],"sentiment":"neutral","sentiment_score":0.04871301651000977,"num_words":5,"start":1764.58,"end":1779.0499},{"sentences":[{"text":"That's the one I'm I will do before the end of this year.","start":1779.35,"end":1784.07,"sentiment":"neutral","sentiment_score":0.04837448809009332},{"text":"Yeah.","start":1784.07,"end":1784.57,"sentiment":"neutral","sentiment_score":0.06242670118808746},{"text":"Yep.","start":1805.235,"end":1805.735,"sentiment":"neutral","sentiment_score":0.07999323308467865},{"text":"Yeah.","start":1805.795,"end":1806.115,"sentiment":"neutral","sentiment_score":0.07384906709194183},{"text":"That's correct.","start":1806.115,"end":1806.9349,"sentiment":"neutral","sentiment_score":0.12841131910681725}],"sentiment":"neutral","sentiment_score":0.061219999152753085,"num_words":18,"start":1779.35,"end":1806.9349},{"sentences":[{"text":"Nah.","start":1817.59,"end":1818.09,"sentiment":"neutral","sentiment_score":-0.03187815099954605},{"text":"Yeah.","start":1856.515,"end":1856.755,"sentiment":"neutral","sentiment_score":0.1413920521736145},{"text":"It's still the same.","start":1856.755,"end":1857.895,"sentiment":"neutral","sentiment_score":0.18074049800634384},{"text":"Yeah.","start":1864.2101,"end":1864.4501,"sentiment":"neutral","sentiment_score":0.12399932742118835},{"text":"Yeah.","start":1864.4501,"end":1864.6101,"sentiment":"neutral","sentiment_score":0.12497875094413756}],"sentiment":"neutral","sentiment_score":0.13518174644559622,"num_words":8,"start":1817.59,"end":1864.6101},{"sentences":[{"text":"Yeah.","start":1864.6101,"end":1864.8501,"sentiment":"neutral","sentiment_score":0.12548169493675232},{"text":"Mainly the mortgage.","start":1864.8501,"end":1865.99,"sentiment":"neutral","sentiment_score":0.18613470594088236},{"text":"I don't know if it's for you because, you know, the one I received no.","start":1882.225,"end":1890.8401,"sentiment":"neutral","sentiment_score":-0.1374694933493932},{"text":"Wait.","start":1890.8401,"end":1891.0,"sentiment":"neutral","sentiment_score":-0.0797809362411499},{"text":"Wait.","start":1891.0,"end":1891.24,"sentiment":"neutral","sentiment_score":-0.05462139472365379}],"sentiment":"neutral","sentiment_score":-0.07202661516410964,"num_words":21,"start":1864.6101,"end":1891.24},{"sentences":[{"text":"Wait.","start":1891.24,"end":1891.4,"sentiment":"neutral","sentiment_score":-0.03310554474592209},{"text":"I will check my email because I forgot to sign this off.","start":1891.4,"end":1897.1001,"sentiment":"neutral","sentiment_score":-0.03981296190371116},{"text":"Yeah.","start":1902.6449,"end":1902.885,"sentiment":"neutral","sentiment_score":0.030191022902727127},{"text":"Yeah.","start":1902.885,"end":1903.125,"sentiment":"neutral","sentiment_score":0.007188212126493454},{"text":"Yeah.","start":1903.125,"end":1903.445,"sentiment":"neutral","sentiment_score":-0.003929986618459225}],"sentiment":"neutral","sentiment_score":-0.029838239948730916,"num_words":16,"start":1891.24,"end":1903.445},{"sentences":[{"text":"The one with the the pay the where is it?","start":1903.445,"end":1908.2649,"sentiment":"neutral","sentiment_score":-0.01232661297544837},{"text":"Yeah.","start":1908.485,"end":1908.725,"sentiment":"neutral","sentiment_score":0.0009985524229705334},{"text":"The payment for what do you call this?","start":1908.725,"end":1913.705,"sentiment":"neutral","sentiment_score":-0.01993492152541876},{"text":"The regarding about the yeah.","start":1916.24,"end":1921.46,"sentiment":"neutral","sentiment_score":-0.07116513177752495},{"text":"My mind is not working.","start":1921.92,"end":1923.3,"sentiment":"negative","sentiment_score":-0.37928574681282046}],"sentiment":"neutral","sentiment_score":-0.08737935663746862,"num_words":29,"start":1903.445,"end":1923.3},{"sentences":[{"text":"Okay.","start":1939.4751,"end":1939.9751,"sentiment":"neutral","sentiment_score":0.1921308934688568},{"text":"I yes.","start":1947.6499,"end":1950.2899,"sentiment":"neutral","sentiment_score":0.33007287979125977},{"text":"That's good.","start":1950.2899,"end":1951.11,"sentiment":"positive","sentiment_score":0.5512915849685669},{"text":"I I have one question.","start":1955.49,"end":1958.6449,"sentiment":"neutral","sentiment_score":0.0027965087443590163},{"text":"Regarding with that, you know, the the wheel, where can I get it?","start":1958.7849,"end":1966.625,"sentiment":"neutral","sentiment_score":0.016174648888409138}],"sentiment":"neutral","sentiment_score":0.09474403488085321,"num_words":23,"start":1939.4751,"end":1966.625},{"sentences":[{"text":"Is it just on the Australia Coast or somewhere else?","start":1966.625,"end":1980.61,"sentiment":"neutral","sentiment_score":0.020770060271024703},{"text":"Yep.","start":2039.53,"end":2040.03,"sentiment":"neutral","sentiment_score":0.137656569480896},{"text":"Last last one.","start":2041.505,"end":2043.285,"sentiment":"neutral","sentiment_score":0.05738884831468264},{"text":"If I'm going to go for, like, a lawyer, how much it will cost?","start":2043.585,"end":2048.4849,"sentiment":"neutral","sentiment_score":0.016105682323021547},{"text":"Okay.","start":2077.5952,"end":2078.0952,"sentiment":"neutral","sentiment_score":0.06644649803638458}],"sentiment":"neutral","sentiment_score":0.027912060954961283,"num_words":29,"start":1966.625,"end":2078.0952},{"sentences":[{"text":"Okay.","start":2104.345,"end":2104.845,"sentiment":"neutral","sentiment_score":0.14976654946804047},{"text":"Yeah.","start":2117.5398,"end":2117.78,"sentiment":"neutral","sentiment_score":0.2327190488576889},{"text":"Yes, please.","start":2117.78,"end":2118.5999,"sentiment":"neutral","sentiment_score":0.31855393946170807},{"text":"Yep.","start":2142.09,"end":2142.59,"sentiment":"neutral","sentiment_score":0.1404356211423874},{"text":"All good.","start":2142.73,"end":2143.47,"sentiment":"positive","sentiment_score":0.44468018412590027}],"sentiment":"neutral","sentiment_score":0.2927699238061905,"num_words":7,"start":2104.345,"end":2143.47},{"sentences":[{"text":"Yeah.","start":2147.525,"end":2147.6848,"sentiment":"neutral","sentiment_score":0.20600056648254397},{"text":"That's I think that's all for now.","start":2147.6848,"end":2149.7048,"sentiment":"neutral","sentiment_score":0.17596610529082163},{"text":"Yep.","start":2161.5,"end":2161.98,"sentiment":"neutral","sentiment_score":0.2764378488063812},{"text":"Thank you very much.","start":2161.98,"end":2163.1199,"sentiment":"positive","sentiment_score":0.6716054677963257},{"text":"Yep.","start":2173.335,"end":2173.735,"sentiment":"positive","sentiment_score":0.43041372299194336}],"sentiment":"positive","sentiment_score":0.3450740533215659,"num_words":14,"start":2147.525,"end":2173.735},{"sentences":[{"text":"All good.","start":2173.735,"end":2174.135,"sentiment":"positive","sentiment_score":0.7088623642921448},{"text":"Thank you very much for your time.","start":2174.135,"end":2175.915,"sentiment":"positive","sentiment_score":0.817140451499394},{"text":"Yeah.","start":2180.055,"end":2180.295,"sentiment":"neutral","sentiment_score":0.23844054341316223},{"text":"Bye.","start":2180.295,"end":2180.795,"sentiment":"neutral","sentiment_score":0.19439291954040527}],"sentiment":"positive","sentiment_score":0.6882310320030559,"num_words":11,"start":2173.735,"end":2180.795}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Sunny here.\n\nChannel 0: Good afternoon. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Hey. Good. How are you?\n\nChannel 0: I'm good. Thank you. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. It's good. It's good. Yeah.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you.\n\nDo you know what that might be?\n\nChannel 1: Yep. Sorry. What's that? Again?\n\nChannel 0: Yeah. Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you. Do you know what that might be at all?\n\nChannel 1: Wait a minute. I have to check.\n\nChannel 0: That's okay. Take your time.\n\nChannel 1: Yes. Wait. Wait. Yeah. It's 13677082.\n\nChannel 0: I do have something else listed here. But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay.\n\nChannel 1: Yep. It's Sunny thinning with the Lario. 74 Burrows Loop, Midvale, WA 605\n\nChannel 0: Yep.\n\nChannel 1: 6.\n\nChannel 0: Yes. And just date of birth as well, please.\n\nChannel 1: It's 02/22/1980.\n\nChannel 0: Yeah. Perfect. Now the password I have on file for you is LoveSay0627. Would\n\nChannel 1: Yep.\n\nChannel 0: you like me to change that?\n\nChannel 1: I think I no. No need.\n\nChannel 0: No need? Okay. We'll just leave it. But if you do forget it, we can do like we did just now, which is just a date of birth and full name and stuff. That's okay as well.\n\nChannel 1: Oh, yes. You can just\n\nChannel 0: Yeah.\n\nChannel 1: paste it.\n\nChannel 0: Yeah. Perfect. Now before I kind of go go into the unreview with you, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any specific question or whether it's just a bit just a bit of an update and see what's happened in the last twelve months?\n\nChannel 1: Because I missed the the one the emails regarding the the fee of the adviser. So I missed that one. I didn't\n\nChannel 0: That's okay.\n\nChannel 1: accept it. So when\n\nChannel 0: No.\n\nChannel 1: I check it again, it's already due.\n\nChannel 0: That's\n\nChannel 1: So I can't open it anymore.\n\nChannel 0: fine. No. That's okay. What I have done is I have sent you a new email just now with a couple of documents to go through. And part of that is the that fee arrangement anyway.\n\nSo so it doesn't matter if the old one expire. That's okay.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. Now, Sunny, do you have access to your emails right now?\n\nChannel 1: Yeah. It's still the same.\n\nChannel 0: Yes. Yeah. Perfect. So I have just sent you an email just now, and it should say from Veronica. Did that come through okay at all on your end?\n\nSure.\n\nChannel 1: Still waiting.\n\nChannel 0: Yep. Sometimes it ends up in the spam folder as well.\n\nChannel 1: Okay. Yeah. I'll check it.\n\nChannel 0: Thank you.\n\nChannel 1: Yeah. Yeah. I got it.\n\nChannel 0: Perfect. Now we have just changed our software, so it might look a little bit different to what you are used to. But if you can open the email for me, now before you click on the link where it says sign now, can you see a couple of attachments in the bottom of the email?\n\nChannel 1: Yeah. There is, like, six of them.\n\nChannel 0: Yes. Perfect. So what I'll do is I'll just run through them with you and just explain what they are. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yes. So you should have the first two. So you should have one where it says Oakview services guide and one that says Oakview financial services guide version four. Can you see those?\n\nChannel 1: Is this one I I I will open the the EDS one?\n\nChannel 0: Yes, please.\n\nChannel 1: Yep. That's the yeah. About Talk to your financial.\n\nChannel 0: Yes. So\n\nChannel 1: Yeah.\n\nChannel 0: I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time. But just for your reference, it is one of those compliance forms. It is the same one you do receive at Anybody at AnnualView. It is just an updated version. So none\n\nChannel 1: Yep.\n\nChannel 0: of the important information has changed, all the same. But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos. And you will also see all the advisers and the directors and everyone. And when you do have a look at it, you will also see myself if you do wanna put a face to the voice when you do have a look at the document. Is that okay?\n\nChannel 1: Yeah. Yeah. Yeah. I've seen it.\n\nChannel 0: Yeah. Yeah. Perfect. Now what is the next attachment that you can see?\n\nChannel 1: Right.\n\nChannel 0: Sure.\n\nChannel 1: Is it the I just need to go back or because\n\nChannel 0: Yes.\n\nChannel 1: when I press press the go the back portion,\n\nChannel 0: Yep.\n\nChannel 1: is doesn't go back to the PDF\n\nChannel 0: Okay.\n\nChannel 1: file.\n\nChannel 0: Yeah. Just go back or close out of the PDF, and it should take you back to the email.\n\nChannel 1: Yeah. Yeah. Yeah. I got it. I\n\nChannel 0: Yes.\n\nChannel 1: got it. I got it. Sorry.\n\nChannel 0: Perfect. No. That's okay. Now what is the next one you have that you can open? What's that one\n\nChannel 1: Now\n\nChannel 0: called?\n\nChannel 1: is the financial services guide.\n\nChannel 0: Okay. I won't get you to open that one because that's similar to the other one. It's just a longer version. Okay. And what's next?\n\nChannel 1: Okay. Next is so this is the about the super.\n\nChannel 0: Yes. Does that say super and insurance summary?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yes. Can you open this one for me?\n\nChannel 1: Yeah. I did. So\n\nChannel 0: Yes. Okay. So what you should see in front of you, it is a breakdown of your super and your insurances. Now you have your super with hub twenty four, and you do have about $97,970 in there. Now you also have some insurances, and that is with a provider called ClearView.\n\nNow what you have is life\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: total permanent disability insurance, and that will cover you for $995,140. Okay?\n\nChannel 1: Yep.\n\nChannel 0: You also have an income protection policy. So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly. So it will give you a monthly benefit of $4,357 per month. You have a thirty day waiting period and a five year benefit period. Now all of those three is paid from super, so you don't pay for anything out of pocket.\n\nAnd after the tax rebate, the total premium for all three is $3,049. Does that all make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. And you are happy with your insurances and everything? You don't need want to make any changes?\n\nChannel 1: Yeah. Yeah. I'm good\n\nChannel 0: Yes.\n\nChannel 1: for now.\n\nChannel 0: Perfect. Now if you can close that one for me and then let me know what is the next document that you can see.\n\nChannel 1: Yeah. The certificate of currency.\n\nChannel 0: Okay. Yep. Now this one here, it does show you your insurances again, but just in a little bit more information. But basically, lets you know that's all paid and up to date for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now what is the next one you can see?\n\nChannel 1: Oh, wait. I got it wrong. The second one, which is the performance with IRR.\n\nChannel 0: Yes. Can you open that one for me?\n\nChannel 1: Yeah. I did already.\n\nChannel 0: Yeah. Okay. Beat me to it. Now that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees. Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well.\n\nSo we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation. And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation.\n\nChannel 1: Yes.\n\nChannel 0: Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world. So in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that. Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position. And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So what I would like to do, if you are happy with that, it is switching just one of your investments. Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity. So this one here is recently underperforming a little bit. And if we don't foresee it being a good investment for you moving forward, we wanna change it.\n\nSo what we have researched as an alternative option for you is one that is called beta shares Australia two hundred. Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified. So we want some in Australia and then some across the globe. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment. Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market. But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive.\n\nAnd sometimes it's worth it if they are performing really well, which they have been. But like I said, more recently, they've been a little bit slower with their decision. So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia. So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well. Are you happy for us to do that one change for you, Sunny?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice. Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made. So I will email that to you in the next couple of days.\n\nHave a bit of a look through it. You don't need to change it or anything. I I mean, sorry. You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio. Do you remember what it means to be a growth investor at all?\n\nChannel 1: I know. I don't remember.\n\nChannel 0: No. That's okay. Most people say the same. So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire. Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation.\n\nNow what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart. Let me know if you can see that. And it should be like a graph.\n\nChannel 1: Is it the the same email?\n\nChannel 0: Vanguard index\n\nChannel 1: I don't\n\nChannel 0: chart.\n\nChannel 1: I don't get one. Sorry.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. Let me know when you\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: see that.\n\nChannel 1: I I opened\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: You can see it. Okay. Perfect. Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market. Now you can see here that this one goes from 1995 all the way through to 2025.\n\nAnd when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term. The short term, depending on what is going on in the world, there is a bit of short term fluctuation.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense? Yeah. Perfect. Now what you can see as well with the different lines outlined, the different colors, that's\n\nChannel 1: Yeah.\n\nChannel 0: the different assets classes. So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%. That is your top four combined. So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green. You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color.\n\nSo about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super. And then we have 20% in those bottom three. So these are the ones that you can see. They don't grow near as much, but they're a little bit smoother. So we wanna make sure that even though we are growing your super, we don't want it to be high risk.\n\nWe also want some of that expensive components to smooth things out for you. So that's your the defensive investment. Now when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around. So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market. So it's also important to look at time frames.\n\nAnd then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations. So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you. So from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk. Does that make sense? And are you still\n\nChannel 1: Yep.\n\nChannel 0: happy with, like, the level of risk and everything we currently have for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Now the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little link.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And there should be two documents it will ask you to sign. Now the first one you should see is that ongoing service agreement. Can you see that? It says consent to new ongoing fee arrangement,\n\nChannel 1: Yeah.\n\nChannel 0: Or what can you see?\n\nChannel 1: Yeah. The tax file number.\n\nChannel 0: Oh, yes. Sorry. That one, it will also ask you to add a signature for that one. Now this is just a compliance form. It's just basically to let you know we are keeping your tax file number secure and safe on file.\n\nAnd then do you have one after that?\n\nChannel 1: I still have to put my full name in here or just sign?\n\nChannel 0: I just signed. That that will do. Yes. Which should be added digitally for you. If you can you press and it might ask you to draw a\n\nChannel 1: I\n\nChannel 0: signature.\n\nChannel 1: there there's there's a is it okay? Because there's already a name here, but do I have to erase this one? Or\n\nChannel 0: Do you have to what? Sorry.\n\nChannel 1: because there's the my name is already in here.\n\nChannel 0: Yes. You just have to usually draw a little signature. But sometimes if you've already used a similar system, it could already prefill it, and then you could just press, like, next.\n\nChannel 1: I see that it's too small.\n\nChannel 0: Yeah. That's okay. Sometimes technology is a bit tricky as well.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: great\n\nChannel 1: Yeah.\n\nChannel 0: when it works.\n\nChannel 1: But I'm using my I'm using my phone,\n\nChannel 0: That's okay. You take your\n\nChannel 1: and\n\nChannel 0: time\n\nChannel 1: it\n\nChannel 0: and\n\nChannel 1: and\n\nChannel 0: let me know if\n\nChannel 1: it's\n\nChannel 0: you\n\nChannel 1: hard\n\nChannel 0: get stuck.\n\nChannel 1: to sign.\n\nChannel 0: Yeah.\n\nChannel 1: Or do I have a wait. I did see. No. If I press the sign all,\n\nChannel 0: Yep.\n\nChannel 1: it will be sign all of the documents? Or\n\nChannel 0: Just just two. So just that tax file number and one more. And the other one, it is that ongoing service agreement. So that's the one you mentioned earlier as well that expired last time. But just so you know, that is just an ongoing service agreement just to say that you are happy to stay on as the client.\n\nNow the fee structure is not changing at all. It stays exactly the same at 1.65 from Super, so no changes, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So this lets us service your account and manage your investments and everything for you in until next time review.\n\nChannel 1: Yeah. I did already.\n\nChannel 0: Oh, perfect. And did it say validate?\n\nChannel 1: Yeah. It's it's just the the May 13.\n\nChannel 0: Okay. Yes. Beautiful. I have seen that come through on my end, so thank you so much for that. Now it is also saved to your account if you ever wanna go back and have a look through any of these documents.\n\nIf you get stuck, though, I always have a copy on file as well. So if it is that you want any of them at any point in time, I do have a digital copy for you. Now what I will\n\nChannel 1: It\n\nChannel 0: go\n\nChannel 1: it will\n\nChannel 0: through next.\n\nChannel 1: sorry.\n\nChannel 0: Yes?\n\nChannel 1: It it will be sent through my email, or it's already in my email?\n\nChannel 0: It should already be there. If not, when you are in there, it should it should already send you an email. If not, when you're in here, it should you should be able to say, like, download or something,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and then you can download the documents as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Yep. Now what I do wanna quickly run through with you before I let you go and enjoy the rest of your afternoon, it is just a bit of an updated fact find, and that is just to see if there's anything major that has changed in your life, if we need to make any any changes or anything else. Okay? So just bear with me as I go through this information.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to your personal information, I have you down here as married with two children. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And as a next of kin, so if something ever were to happen to you, I have Melody nominated. That's still correct as well?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now when it comes to your work, has anything changed for you in the last twelve months, or are you still working as an auto technician?\n\nChannel 1: Yeah. Same.\n\nChannel 0: Same? Perfect. When it comes to your income, I have that down at about 75,000. Is that still the case as well, or did that change?\n\nChannel 1: I think it's still the same. Yeah.\n\nChannel 0: Still the same? Okay. And when it comes to assets, I have here that your property, last time we spoke, was valued at about 500,000. Do you know if that's roughly the same, or has that gone up a little bit?\n\nChannel 1: Yeah. I think it's gone up.\n\nChannel 0: Yeah. Do you know roughly what you think it will be worth?\n\nChannel 1: Maybe, like let me have a look.\n\nChannel 0: Sure.\n\nChannel 1: Maybe just around, like, less than 600, I think.\n\nChannel 0: Okay. So maybe, like, $5.50.\n\nChannel 1: Yeah. Yeah. Yeah. Just put it\n\nChannel 0: Yeah.\n\nChannel 1: $5.50.\n\nChannel 0: 5\n\nChannel 1: Yeah.\n\nChannel 0: 50. Perfect. And I have here that the mortgage is around 365,000.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yep. Perfect. You also have a motor vehicle valued at about 30,000. Yep. And you don't have anything owing on that\n\nChannel 1: Yep.\n\nChannel 0: car, do you?\n\nChannel 1: No. It's already\n\nChannel 0: No.\n\nChannel 1: been paid off.\n\nChannel 0: Okay. Amazing. Now do you have any other assets in the last twelve months? Any other motor vehicles or boats or motorbikes or anything else?\n\nChannel 1: Yeah. Just just one for my daughter.\n\nChannel 0: Okay. And how much is that one valued at?\n\nChannel 1: It's only 5,500.\n\nChannel 0: 5,500. And nothing owing on that one either?\n\nChannel 1: No. No. No. It's been\n\nChannel 0: No.\n\nChannel 1: paid off.\n\nChannel 0: Okay. Perfect. Anything else?\n\nChannel 1: Yeah. That's it.\n\nChannel 0: That's it. Perfect. Now do you have any other liabilities, like personal loans or credit cards or anything?\n\nChannel 1: No. No. I don't I don't\n\nChannel 0: No.\n\nChannel 1: have one.\n\nChannel 0: No. No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still correct as well?\n\nChannel 1: Yes. Still the same. Still\n\nChannel 0: Perfect.\n\nChannel 1: correct.\n\nChannel 0: Perfect. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or any medication or anything?\n\nChannel 1: No. Nothing at all.\n\nChannel 0: No. No. That's really good. That's what we like to hear. And do you have private health insurance?\n\nChannel 1: Yes. Still with\n\nChannel 0: Yep.\n\nChannel 1: HVF.\n\nChannel 0: HD. And that's hospital and extras?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. Perfect. And lastly, when it comes to estate planning, do you have a will in place? Because I think last time we spoke, it was kind of on the\n\nChannel 1: Yeah.\n\nChannel 0: to do\n\nChannel 1: Yeah.\n\nChannel 0: list.\n\nChannel 1: Yeah. That's the one I'm I will do before the end of this year. Yeah.\n\nChannel 0: Okay. Yeah. So under a little to do list. And I do have here that for your super and your insurances, if anything ever were to happen to you, that you would like 50% to your wife and 22 25% each to your children. Is that correct\n\nChannel 1: Yep.\n\nChannel 0: as well?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Okay. Amazing. And are you do you are you involved directly in politics or anything like that or earn any income from overseas?\n\nChannel 1: Nah.\n\nChannel 0: No. Great. And the last thing I do wanted to check, which is usually a good thing to check-in during annual review time, is what you are kind of working towards or, you know, your goals for the next twelve months. So that next time when we do speak to you during annual review, we can kind of touch base to see if that's still the same or what you are working to or if anything has changed. So last time we spoke to you, you said that for the time being, your main focus or priority is to kinda pay down the mortgage, and that was kind of the main thing that you guys were working towards.\n\nIs that still the case?\n\nChannel 1: Yeah. It's still the same.\n\nChannel 0: Yeah. Perfect. Do you have any other goals that you guys are working towards or or mainly just, like, the mortgage?\n\nChannel 1: Yeah. Yeah. Yeah. Mainly the mortgage.\n\nChannel 0: Just okay. Perfect. Now, Sonya, that was everything that I needed to kind of go through on my end with you today. But before I let you go and enjoy your afternoon, do you have any other questions for me?\n\nChannel 1: I don't know if it's for you because, you\n\nChannel 0: Mhmm.\n\nChannel 1: know, the one I received no. Wait. Wait. Wait. I will check my email\n\nChannel 0: Yep.\n\nChannel 1: because I forgot to sign this off.\n\nChannel 0: That's okay. If it was the one that was sent a little while ago, that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: don't\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: The one\n\nChannel 0: to\n\nChannel 1: with\n\nChannel 0: you\n\nChannel 1: the the pay\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: fee?\n\nChannel 1: where is it? Yeah. The payment for\n\nChannel 0: Yeah.\n\nChannel 1: what do you call this? The regarding about the yeah. My mind is not working.\n\nChannel 0: No. It's okay. Now I can see that that was my colleague who sent it before the call today. So it was around, like, the April 21. But you can just ignore that because that is the same one you just signed with me today.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: you can just, yeah, you can just ignore that one. You don't have to do anything because that's the one I included today for you as well just to make it easy\n\nChannel 1: I\n\nChannel 0: so you don't have to sign through things.\n\nChannel 1: yes. That's good.\n\nChannel 0: Yeah. Mhmm. Perfect. Do you have any other questions otherwise?\n\nChannel 1: I I have one question. Regarding\n\nChannel 0: Yeah.\n\nChannel 1: with that,\n\nChannel 0: Yes.\n\nChannel 1: you know, the the wheel, where can I get it? Is it just on the Australia Coast or somewhere\n\nChannel 0: Yeah. So there yeah. It's a good question. There is a diff there's a couple of different ways depending on what you would like. Now we always say the most\n\nChannel 1: else?\n\nChannel 0: comprehensive way is to do it through a lawyer. That is the the best way, but we also understand that that's going to cost the most amount of money, and not everyone wants to pay for that. So as an alternative, what some people do, it is, like you said, a post office. So you can go to the post office, and they have, like, a will kit that you can complete yourself. The only thing with that I do wanna mention is that just read the instructions carefully and make sure you complete it correctly.\n\nSo in the event that something were to happen, it's all kind of correct. And if you do decide to do it through the post office and if you would like us to keep a copy on file, like, with your insurances and super if something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Last last one.\n\nChannel 0: Yes. Yes.\n\nChannel 1: If\n\nChannel 0: Of\n\nChannel 1: I'm\n\nChannel 0: course.\n\nChannel 1: going to go for, like, a lawyer, how much it will\n\nChannel 0: Yes?\n\nChannel 1: cost?\n\nChannel 0: Yeah. That is a good question. Let me get up. So each lawyer charges a little bit different depending on complexities and who they are. Now the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge.\n\nSo if it's for a simple well for one person, they charge about $350.\n\nChannel 1: Okay.\n\nChannel 0: Now if you wanna nominate a power of attorney at the same time, it's another $3.50 or combined, it's $5.50. But they also do couples. So you can do, like, couple wheels for two people, and that's about $6.50 for for two.\n\nChannel 1: Okay.\n\nChannel 0: Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way?\n\nChannel 1: Yeah. Yes, please.\n\nChannel 0: Yes. Perfect. Now I will get my team on to that. They have all finished for the day, so it might be tomorrow or later in the week. But just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that way.\n\nChannel 1: Yep. All\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. That is a good question, though. But anything else I can help you with?\n\nChannel 1: Yeah. That's I think that's all for now.\n\nChannel 0: That's it. Okay. If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call. We're always here if there is anything that you do need.\n\nChannel 1: Yep. Thank you\n\nChannel 0: Yep.\n\nChannel 1: very much.\n\nChannel 0: Perfect. That's okay. Well, I will let you go and enjoy your afternoon. And like I said, anything that you need, just let me know. But, otherwise, it was lovely speaking with you this afternoon.\n\nChannel 1: Yep. All good. Thank you very much for your time.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Yeah. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.06281043589115143},{"text":"Sunny here.","start":2.6399999,"end":3.46,"sentiment":"neutral","sentiment_score":0.28759390860795975}],"sentiment":"neutral","sentiment_score":0.21266608436902365,"channel":1,"num_words":3,"start":1.92,"end":3.46},{"sentences":[{"text":"Good afternoon.","start":4.24,"end":5.06,"sentiment":"positive","sentiment_score":0.4734784960746765},{"text":"This is Veronica from Oakview Financial.","start":5.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.3660147289435069},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.2782250642776489}],"sentiment":"positive","sentiment_score":0.36161095987666736,"channel":0,"num_words":11,"start":4.24,"end":8.18},{"sentences":[{"text":"Hey.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.2777656614780426},{"text":"Good.","start":9.28,"end":9.5199995,"sentiment":"positive","sentiment_score":0.4640443921089173},{"text":"How are you?","start":9.5199995,"end":10.42,"sentiment":"neutral","sentiment_score":0.30429374674956006}],"sentiment":"neutral","sentiment_score":0.330938258767128,"channel":1,"num_words":5,"start":8.96,"end":10.42},{"sentences":[{"text":"I'm good.","start":10.639999,"end":11.44,"sentiment":"positive","sentiment_score":0.6930408477783203},{"text":"Thank you.","start":11.44,"end":12.259999,"sentiment":"positive","sentiment_score":0.780821830034256},{"text":"I had you booked in this afternoon to go over your annual review.","start":12.885,"end":16.245,"sentiment":"positive","sentiment_score":0.5246135500761179},{"text":"Is now still a good time for you?","start":16.245,"end":17.945,"sentiment":"positive","sentiment_score":0.4547579325735569}],"sentiment":"positive","sentiment_score":0.5362305986881256,"channel":0,"num_words":25,"start":10.639999,"end":17.945},{"sentences":[{"text":"Yeah.","start":18.465,"end":18.705,"sentiment":"neutral","sentiment_score":0.3003709316253662},{"text":"Yeah.","start":18.705,"end":18.865,"sentiment":"positive","sentiment_score":0.4100784957408905},{"text":"It's good.","start":18.865,"end":19.265,"sentiment":"positive","sentiment_score":0.6827310621738434},{"text":"It's good.","start":19.265,"end":19.745,"sentiment":"positive","sentiment_score":0.7170574367046356},{"text":"Yeah.","start":19.745,"end":20.245,"sentiment":"neutral","sentiment_score":0.32267141342163086}],"sentiment":"positive","sentiment_score":0.5475282626492637,"channel":1,"num_words":7,"start":18.465,"end":20.245},{"sentences":[{"text":"Yes.","start":20.085001,"end":20.585001,"sentiment":"neutral","sentiment_score":0.33280831575393677},{"text":"Perfect.","start":20.725,"end":21.225,"sentiment":"positive","sentiment_score":0.4623555839061737},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay.","start":22.325,"end":31.57,"sentiment":"neutral","sentiment_score":0.042865759982117294},{"text":"Perfect.","start":33.15,"end":33.65,"sentiment":"positive","sentiment_score":0.3646543323993683},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":34.510002,"end":40.510002,"sentiment":"neutral","sentiment_score":0.11360707804560662}],"sentiment":"neutral","sentiment_score":0.08990513139332716,"channel":0,"num_words":52,"start":20.085001,"end":40.510002},{"sentences":[{"text":"Do you know what that might be?","start":40.510002,"end":42.05,"sentiment":"neutral","sentiment_score":0.017352592200040817}],"sentiment":"neutral","sentiment_score":0.017352592200040817,"channel":0,"num_words":7,"start":40.510002,"end":42.05},{"sentences":[{"text":"Yep.","start":41.690002,"end":42.190002,"sentiment":"neutral","sentiment_score":0.0011455994099378586},{"text":"Sorry.","start":44.57,"end":44.89,"sentiment":"neutral","sentiment_score":-0.047981441020965576},{"text":"What's that?","start":44.89,"end":45.61,"sentiment":"neutral","sentiment_score":-0.04298285394906998},{"text":"Again?","start":45.61,"end":46.11,"sentiment":"neutral","sentiment_score":-0.026320116594433784}],"sentiment":"neutral","sentiment_score":-0.03182433322072029,"channel":1,"num_words":5,"start":41.690002,"end":46.11},{"sentences":[{"text":"Yeah.","start":46.915,"end":47.155,"sentiment":"neutral","sentiment_score":0.01032861229032278},{"text":"Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you.","start":47.155,"end":58.620003,"sentiment":"neutral","sentiment_score":0.034644280560314655},{"text":"Do you know what that might be at all?","start":59.56,"end":61.74,"sentiment":"neutral","sentiment_score":-0.00006335435642136449}],"sentiment":"neutral","sentiment_score":0.02578416523082476,"channel":0,"num_words":38,"start":46.915,"end":61.74},{"sentences":[{"text":"Wait a minute.","start":64.11,"end":65.090004,"sentiment":"neutral","sentiment_score":-0.0451015072564284},{"text":"I have to check.","start":65.39,"end":66.61,"sentiment":"neutral","sentiment_score":-0.0725561361759901}],"sentiment":"neutral","sentiment_score":-0.06078986663903509,"channel":1,"num_words":7,"start":64.11,"end":66.61},{"sentences":[{"text":"That's okay.","start":68.2,"end":68.840004,"sentiment":"neutral","sentiment_score":-0.01787854544818401},{"text":"Take your time.","start":68.840004,"end":69.735,"sentiment":"neutral","sentiment_score":-0.004114986086885135}],"sentiment":"neutral","sentiment_score":-0.009620409831404685,"channel":0,"num_words":5,"start":68.2,"end":69.735},{"sentences":[{"text":"Yes.","start":70.43,"end":70.93,"sentiment":"neutral","sentiment_score":0.02010839805006981},{"text":"Wait.","start":70.990005,"end":71.23,"sentiment":"neutral","sentiment_score":-0.008210469968616962},{"text":"Wait.","start":71.23,"end":71.73,"sentiment":"neutral","sentiment_score":-0.000764145515859127},{"text":"Yeah.","start":84.715004,"end":85.19501,"sentiment":"neutral","sentiment_score":0.020869849249720573},{"text":"It's 13677082.","start":85.19501,"end":89.829994,"sentiment":"neutral","sentiment_score":0.016271826345473528}],"sentiment":"neutral","sentiment_score":0.010757880751043558,"channel":1,"num_words":6,"start":70.43,"end":89.829994},{"sentences":[{"text":"I do have something else listed here.","start":91.03,"end":93.69,"sentiment":"neutral","sentiment_score":0.019728123609508787},{"text":"But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay.","start":94.965,"end":105.305,"sentiment":"neutral","sentiment_score":0.0502626246213913}],"sentiment":"neutral","sentiment_score":0.043583202525042,"channel":0,"num_words":32,"start":91.03,"end":105.305},{"sentences":[{"text":"Yep.","start":106.135,"end":106.635,"sentiment":"neutral","sentiment_score":0.0560188814997673},{"text":"It's Sunny thinning with the Lario.","start":106.775,"end":109.675,"sentiment":"neutral","sentiment_score":0.05729867828389009},{"text":"74 Burrows Loop, Midvale, WA 605","start":112.295,"end":116.615,"sentiment":"neutral","sentiment_score":0.021316195993373793}],"sentiment":"neutral","sentiment_score":0.040592932858719274,"channel":1,"num_words":13,"start":106.135,"end":116.615},{"sentences":[{"text":"Yep.","start":116.42,"end":116.92,"sentiment":"neutral","sentiment_score":0.02381395921111107}],"sentiment":"neutral","sentiment_score":0.02381395921111107,"channel":0,"num_words":1,"start":116.42,"end":116.92},{"sentences":[{"text":"6.","start":116.615,"end":117.0,"sentiment":"neutral","sentiment_score":0.02708306536078453}],"sentiment":"neutral","sentiment_score":0.02708306536078453,"channel":1,"num_words":1,"start":116.615,"end":117.0},{"sentences":[{"text":"Yes.","start":117.619995,"end":118.119995,"sentiment":"neutral","sentiment_score":0.04029113799333573},{"text":"And just date of birth as well, please.","start":120.145,"end":122.005,"sentiment":"neutral","sentiment_score":0.03961191908456385}],"sentiment":"neutral","sentiment_score":0.03968738785220517,"channel":0,"num_words":9,"start":117.619995,"end":122.005},{"sentences":[{"text":"It's 02/22/1980.","start":121.72,"end":124.46,"sentiment":"neutral","sentiment_score":0.024592905305325985}],"sentiment":"neutral","sentiment_score":0.024592905305325985,"channel":1,"num_words":2,"start":121.72,"end":124.46},{"sentences":[{"text":"Yeah.","start":124.945,"end":125.345,"sentiment":"neutral","sentiment_score":0.1441526561975479},{"text":"Perfect.","start":125.345,"end":125.845,"sentiment":"positive","sentiment_score":0.37118950486183167},{"text":"Now the password I have on file for you is LoveSay0627.","start":126.305,"end":132.805,"sentiment":"neutral","sentiment_score":0.1317303627729416},{"text":"Would","start":133.37,"end":133.61,"sentiment":"neutral","sentiment_score":0.06570547819137573}],"sentiment":"neutral","sentiment_score":0.1450058306966509,"channel":0,"num_words":14,"start":124.945,"end":133.61},{"sentences":[{"text":"Yep.","start":133.52501,"end":134.02501,"sentiment":"neutral","sentiment_score":0.0607459619641304}],"sentiment":"neutral","sentiment_score":0.0607459619641304,"channel":1,"num_words":1,"start":133.52501,"end":134.02501},{"sentences":[{"text":"you like me to change that?","start":133.61,"end":135.54999,"sentiment":"neutral","sentiment_score":0.023169636726379395}],"sentiment":"neutral","sentiment_score":0.023169636726379395,"channel":0,"num_words":6,"start":133.61,"end":135.54999},{"sentences":[{"text":"I think I no.","start":136.725,"end":138.405,"sentiment":"neutral","sentiment_score":-0.1380341835319996},{"text":"No 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the the one the emails regarding the the fee of the adviser.","start":179.7,"end":188.715,"sentiment":"neutral","sentiment_score":-0.14802743444840114},{"text":"So I missed that one.","start":188.855,"end":190.05501,"sentiment":"neutral","sentiment_score":-0.1923997938632965},{"text":"I didn't","start":190.05501,"end":190.715,"sentiment":"neutral","sentiment_score":-0.2025573030114174}],"sentiment":"neutral","sentiment_score":-0.1630693223666061,"channel":1,"num_words":22,"start":179.7,"end":190.715},{"sentences":[{"text":"That's okay.","start":191.81,"end":192.63,"sentiment":"neutral","sentiment_score":-0.19209402054548264}],"sentiment":"neutral","sentiment_score":-0.19209402054548264,"channel":0,"num_words":2,"start":191.81,"end":192.63},{"sentences":[{"text":"accept it.","start":193.015,"end":193.735,"sentiment":"neutral","sentiment_score":-0.14911825954914093},{"text":"So 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from Veronica.","start":228.73001,"end":235.36499,"sentiment":"neutral","sentiment_score":0.22586027067154646},{"text":"Did that come through okay at all on your end?","start":237.025,"end":239.685,"sentiment":"neutral","sentiment_score":0.20215997248888015}],"sentiment":"neutral","sentiment_score":0.22177537864652172,"channel":0,"num_words":29,"start":226.73001,"end":239.685},{"sentences":[{"text":"Sure.","start":241.50499,"end":242.00499,"sentiment":"neutral","sentiment_score":0.02088901773095131}],"sentiment":"neutral","sentiment_score":0.02088901773095131,"channel":0,"num_words":1,"start":241.50499,"end":242.00499},{"sentences":[{"text":"Still 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email?","start":289.645,"end":303.97,"sentiment":"neutral","sentiment_score":0.035154629991773295}],"sentiment":"neutral","sentiment_score":0.04492921558474856,"channel":0,"num_words":56,"start":276.65,"end":303.97},{"sentences":[{"text":"Yeah.","start":307.03,"end":307.43,"sentiment":"neutral","sentiment_score":0.00924482848495245},{"text":"There is, like, six of them.","start":307.43,"end":310.09,"sentiment":"neutral","sentiment_score":0.004404974014808734}],"sentiment":"neutral","sentiment_score":0.005096381796257836,"channel":1,"num_words":7,"start":307.03,"end":310.09},{"sentences":[{"text":"Yes.","start":310.525,"end":311.025,"sentiment":"neutral","sentiment_score":0.2080816775560379},{"text":"Perfect.","start":311.085,"end":311.585,"sentiment":"positive","sentiment_score":0.396623820066452},{"text":"So what I'll do is I'll just run through them with you and just explain what they are.","start":311.645,"end":317.00497,"sentiment":"neutral","sentiment_score":0.2204814147618082},{"text":"Okay?","start":317.00497,"end":317.50497,"sentiment":"neutral","sentiment_score":0.1169557124376297}],"sentiment":"neutral","sentiment_score":0.22334888932250796,"channel":0,"num_words":21,"start":310.525,"end":317.50497},{"sentences":[{"text":"Yep.","start":317.75,"end":318.25,"sentiment":"neutral","sentiment_score":0.09087439626455308}],"sentiment":"neutral","sentiment_score":0.09087439626455308,"channel":1,"num_words":1,"start":317.75,"end":318.25},{"sentences":[{"text":"Yes.","start":319.085,"end":319.585,"sentiment":"neutral","sentiment_score":0.09078574180603027},{"text":"So you should have the first two.","start":319.88498,"end":323.44,"sentiment":"neutral","sentiment_score":0.07622859573790006},{"text":"So you should have one where it says Oakview services guide and one that says Oakview financial services guide version 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the yeah.","start":351.295,"end":352.17502,"sentiment":"neutral","sentiment_score":0.09264847884575526},{"text":"About Talk to your financial.","start":352.17502,"end":353.635,"sentiment":"neutral","sentiment_score":0.02660325579345226}],"sentiment":"neutral","sentiment_score":0.055946282007628016,"channel":1,"num_words":9,"start":350.815,"end":353.635},{"sentences":[{"text":"Yes.","start":354.79,"end":355.29,"sentiment":"neutral","sentiment_score":0.049379970878362656},{"text":"So","start":355.91,"end":356.41,"sentiment":"neutral","sentiment_score":0.04114921763539314}],"sentiment":"neutral","sentiment_score":0.0452645942568779,"channel":0,"num_words":2,"start":354.79,"end":356.41},{"sentences":[{"text":"Yeah.","start":356.015,"end":356.515,"sentiment":"neutral","sentiment_score":0.013074185699224472}],"sentiment":"neutral","sentiment_score":0.013074185699224472,"channel":1,"num_words":1,"start":356.015,"end":356.515},{"sentences":[{"text":"I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time.","start":357.35,"end":366.20502,"sentiment":"neutral","sentiment_score":-0.2888187026338918},{"text":"But just for your reference, it is one of those compliance forms.","start":366.905,"end":372.58502,"sentiment":"neutral","sentiment_score":0.0723866168409586},{"text":"It is the same one you do receive at Anybody at AnnualView.","start":372.58502,"end":375.965,"sentiment":"neutral","sentiment_score":0.17985847344001135},{"text":"It is just an updated version.","start":377.065,"end":379.325,"sentiment":"neutral","sentiment_score":0.13352753967046738},{"text":"So none","start":379.84998,"end":380.56998,"sentiment":"neutral","sentiment_score":0.09250945597887039}],"sentiment":"neutral","sentiment_score":-0.06789664067327976,"channel":0,"num_words":60,"start":357.35,"end":380.56998},{"sentences":[{"text":"Yep.","start":380.41498,"end":380.91498,"sentiment":"neutral","sentiment_score":0.06939303129911423}],"sentiment":"neutral","sentiment_score":0.06939303129911423,"channel":1,"num_words":1,"start":380.41498,"end":380.91498},{"sentences":[{"text":"of the important information has changed, all the same.","start":380.56998,"end":384.83,"sentiment":"neutral","sentiment_score":0.10395893702904384},{"text":"But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos.","start":385.05,"end":392.59,"sentiment":"neutral","sentiment_score":0.19290942544567174},{"text":"And you will also see all the advisers and the directors and 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portion,","start":440.215,"end":444.635,"sentiment":"neutral","sentiment_score":-0.0066289590257737376}],"sentiment":"neutral","sentiment_score":-0.0066289590257737376,"channel":1,"num_words":9,"start":440.215,"end":444.635},{"sentences":[{"text":"Yep.","start":445.545,"end":446.045,"sentiment":"neutral","sentiment_score":-0.015419378876686096}],"sentiment":"neutral","sentiment_score":-0.015419378876686096,"channel":0,"num_words":1,"start":445.545,"end":446.045},{"sentences":[{"text":"is doesn't go back to the 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it.","start":456.16,"end":456.48,"sentiment":"neutral","sentiment_score":0.08164503673712413},{"text":"I","start":456.48,"end":456.64,"sentiment":"neutral","sentiment_score":0.07468515634536743}],"sentiment":"neutral","sentiment_score":0.06642627556409154,"channel":1,"num_words":7,"start":455.6,"end":456.64},{"sentences":[{"text":"Yes.","start":456.62,"end":457.12,"sentiment":"neutral","sentiment_score":0.1063847616314888}],"sentiment":"neutral","sentiment_score":0.1063847616314888,"channel":0,"num_words":1,"start":456.62,"end":457.12},{"sentences":[{"text":"got it.","start":456.64,"end":457.04,"sentiment":"neutral","sentiment_score":0.10395145043730736},{"text":"I got it.","start":457.04,"end":457.44,"sentiment":"neutral","sentiment_score":0.08126483112573624},{"text":"Sorry.","start":457.44,"end":457.94,"sentiment":"neutral","sentiment_score":-0.00010949000716209412}],"sentiment":"neutral","sentiment_score":0.07526465070744355,"channel":1,"num_words":6,"start":456.64,"end":457.94},{"sentences":[{"text":"Perfect.","start":457.65997,"end":458.15997,"sentiment":"neutral","sentiment_score":0.12226125597953796},{"text":"No.","start":458.37997,"end":458.62,"sentiment":"neutral","sentiment_score":-0.03644473850727081},{"text":"That's okay.","start":458.62,"end":459.36,"sentiment":"neutral","sentiment_score":0.03648977633565664},{"text":"Now what is the next one you have that you can open?","start":460.37997,"end":463.44,"sentiment":"neutral","sentiment_score":0.03864510621254643},{"text":"What's that one","start":463.58,"end":464.3,"sentiment":"neutral","sentiment_score":0.032606458912293114}],"sentiment":"neutral","sentiment_score":0.03791351165426405,"channel":0,"num_words":19,"start":457.65997,"end":464.3},{"sentences":[{"text":"Now","start":464.18503,"end":464.665,"sentiment":"neutral","sentiment_score":0.023754753172397617}],"sentiment":"neutral","sentiment_score":0.023754753172397617,"channel":1,"num_words":1,"start":464.18503,"end":464.665},{"sentences":[{"text":"called?","start":464.3,"end":464.8,"sentiment":"neutral","sentiment_score":0.02873934432864189}],"sentiment":"neutral","sentiment_score":0.02873934432864189,"channel":0,"num_words":1,"start":464.3,"end":464.8},{"sentences":[{"text":"is the financial services guide.","start":464.665,"end":468.125,"sentiment":"neutral","sentiment_score":0.018866471573710443}],"sentiment":"neutral","sentiment_score":0.018866471573710443,"channel":1,"num_words":5,"start":464.665,"end":468.125},{"sentences":[{"text":"Okay.","start":468.46,"end":468.96,"sentiment":"neutral","sentiment_score":-0.025193197652697563},{"text":"I won't get you to open that one because that's similar to the other one.","start":469.44498,"end":473.205,"sentiment":"neutral","sentiment_score":-0.12720076342423756},{"text":"It's just a longer version.","start":473.205,"end":474.66498,"sentiment":"neutral","sentiment_score":-0.10040121674537658},{"text":"Okay.","start":476.565,"end":477.04498,"sentiment":"neutral","sentiment_score":0.00777144730091095},{"text":"And what's next?","start":477.04498,"end":478.10498,"sentiment":"neutral","sentiment_score":0.0074417805299162865}],"sentiment":"neutral","sentiment_score":-0.09620455775409936,"channel":0,"num_words":25,"start":468.46,"end":478.10498},{"sentences":[{"text":"Okay.","start":479.56,"end":480.06,"sentiment":"neutral","sentiment_score":0.017153890803456306},{"text":"Next is so this is the about the super.","start":480.2,"end":492.475,"sentiment":"neutral","sentiment_score":0.026797592639923096}],"sentiment":"neutral","sentiment_score":0.025833222456276415,"channel":1,"num_words":10,"start":479.56,"end":492.475},{"sentences":[{"text":"Yes.","start":493.14,"end":493.64,"sentiment":"neutral","sentiment_score":0.04097713530063629},{"text":"Does that say super and insurance summary?","start":493.86002,"end":496.6,"sentiment":"neutral","sentiment_score":0.024773130991629193}],"sentiment":"neutral","sentiment_score":0.02679863153025508,"channel":0,"num_words":8,"start":493.14,"end":496.6},{"sentences":[{"text":"Yeah.","start":497.255,"end":497.49503,"sentiment":"neutral","sentiment_score":0.03676743805408478},{"text":"Yeah.","start":497.49503,"end":497.73502,"sentiment":"neutral","sentiment_score":0.04310701042413711},{"text":"Yeah.","start":497.73502,"end":498.23502,"sentiment":"neutral","sentiment_score":0.04843732714653015}],"sentiment":"neutral","sentiment_score":0.04277059187491735,"channel":1,"num_words":3,"start":497.255,"end":498.23502},{"sentences":[{"text":"Yes.","start":498.215,"end":498.615,"sentiment":"neutral","sentiment_score":0.06856240332126617},{"text":"Can you open this one for me?","start":498.615,"end":500.475,"sentiment":"neutral","sentiment_score":0.074918518108981}],"sentiment":"neutral","sentiment_score":0.07412400376051664,"channel":0,"num_words":8,"start":498.215,"end":500.475},{"sentences":[{"text":"Yeah.","start":504.4,"end":504.88,"sentiment":"neutral","sentiment_score":0.10722067952156068},{"text":"I did.","start":504.88,"end":505.46,"sentiment":"neutral","sentiment_score":0.1356964185833931},{"text":"So","start":505.91998,"end":506.41998,"sentiment":"neutral","sentiment_score":0.1005486622452736}],"sentiment":"neutral","sentiment_score":0.11979054473340511,"channel":1,"num_words":4,"start":504.4,"end":506.41998},{"sentences":[{"text":"Yes.","start":506.215,"end":506.715,"sentiment":"neutral","sentiment_score":0.12266357243061066},{"text":"Okay.","start":507.095,"end":507.595,"sentiment":"neutral","sentiment_score":0.13058748841285706},{"text":"So what you should see in front of you, it is a breakdown of your super and your insurances.","start":508.375,"end":514.93,"sentiment":"neutral","sentiment_score":0.12182182504942543},{"text":"Now you have your super with hub twenty four, and you do have about $97,970 in there.","start":515.95,"end":526.77,"sentiment":"neutral","sentiment_score":0.12829516389790704},{"text":"Now you also have some insurances, and that is with a provider called ClearView.","start":528.655,"end":534.275,"sentiment":"neutral","sentiment_score":0.10217620698469025}],"sentiment":"neutral","sentiment_score":0.11883366193908912,"channel":0,"num_words":52,"start":506.215,"end":534.275},{"sentences":[{"text":"Now what you have is 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cover you for $995,140.","start":539.055,"end":550.09,"sentiment":"neutral","sentiment_score":0.07336077602072195},{"text":"Okay?","start":550.47,"end":550.97,"sentiment":"neutral","sentiment_score":0.1030399426817894}],"sentiment":"neutral","sentiment_score":0.07583403990914424,"channel":0,"num_words":12,"start":539.055,"end":550.97},{"sentences":[{"text":"Yep.","start":550.655,"end":551.155,"sentiment":"neutral","sentiment_score":0.2178245633840561}],"sentiment":"neutral","sentiment_score":0.2178245633840561,"channel":1,"num_words":1,"start":550.655,"end":551.155},{"sentences":[{"text":"You also have an income protection policy.","start":552.07,"end":555.125,"sentiment":"neutral","sentiment_score":0.20291410386562347},{"text":"So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly.","start":555.125,"end":562.905,"sentiment":"neutral","sentiment_score":0.14878992557525636},{"text":"So it will give you a monthly benefit of $4,357 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make","start":594.89996,"end":595.69995,"sentiment":"neutral","sentiment_score":0.12296595051884651}],"sentiment":"neutral","sentiment_score":0.13929827160695019,"channel":0,"num_words":17,"start":585.805,"end":595.69995},{"sentences":[{"text":"Yep.","start":595.54,"end":595.815,"sentiment":"neutral","sentiment_score":0.11363618075847626}],"sentiment":"neutral","sentiment_score":0.11363618075847626,"channel":1,"num_words":1,"start":595.54,"end":595.815},{"sentences":[{"text":"sense?","start":595.69995,"end":596.19995,"sentiment":"neutral","sentiment_score":0.10084550082683565}],"sentiment":"neutral","sentiment_score":0.10084550082683565,"channel":0,"num_words":1,"start":595.69995,"end":596.19995},{"sentences":[{"text":"Yep.","start":596.535,"end":597.035,"sentiment":"neutral","sentiment_score":0.12622223794460297}],"sentiment":"neutral","sentiment_score":0.12622223794460297,"channel":1,"num_words":1,"start":596.535,"end":597.035},{"sentences":[{"text":"Yeah.","start":597.45996,"end":597.77997,"sentiment":"neutral","sentiment_score":0.2712726294994354},{"text":"Perfect.","start":597.77997,"end":598.27997,"sentiment":"positive","sentiment_score":0.6100291013717651},{"text":"And you are happy with your insurances and everything?","start":598.57996,"end":601.62,"sentiment":"positive","sentiment_score":0.5187011592917972},{"text":"You don't need want to make any changes?","start":601.62,"end":603.56,"sentiment":"neutral","sentiment_score":0.05852282792329788}],"sentiment":"neutral","sentiment_score":0.3167260414675662,"channel":0,"num_words":19,"start":597.45996,"end":603.56},{"sentences":[{"text":"Yeah.","start":604.775,"end":605.015,"sentiment":"neutral","sentiment_score":0.26515963673591614},{"text":"Yeah.","start":605.015,"end":605.255,"sentiment":"neutral","sentiment_score":0.29789304733276367},{"text":"I'm 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see?","start":639.025,"end":641.205,"sentiment":"neutral","sentiment_score":0.06240631557173199}],"sentiment":"neutral","sentiment_score":0.0801225371658802,"channel":0,"num_words":10,"start":638.30505,"end":641.205},{"sentences":[{"text":"Oh, wait.","start":650.71497,"end":651.45496,"sentiment":"neutral","sentiment_score":0.01401907717809081},{"text":"I got it wrong.","start":651.51495,"end":652.65497,"sentiment":"neutral","sentiment_score":-0.048669065814465284},{"text":"The second one, which is the performance with IRR.","start":659.435,"end":666.1,"sentiment":"neutral","sentiment_score":0.04681776608857843}],"sentiment":"neutral","sentiment_score":0.016981452393035095,"channel":1,"num_words":15,"start":650.71497,"end":666.1},{"sentences":[{"text":"Yes.","start":666.815,"end":667.21497,"sentiment":"neutral","sentiment_score":0.046587444841861725},{"text":"Can you open that one for me?","start":667.21497,"end":668.915,"sentiment":"neutral","sentiment_score":0.04200701309101922}],"sentiment":"neutral","sentiment_score":0.042579567059874535,"channel":0,"num_words":8,"start":666.815,"end":668.915},{"sentences":[{"text":"Yeah.","start":669.27997,"end":669.68,"sentiment":"neutral","sentiment_score":0.025689948350191116},{"text":"I did already.","start":669.68,"end":671.13995,"sentiment":"neutral","sentiment_score":0.024754636610547703}],"sentiment":"neutral","sentiment_score":0.024988464545458555,"channel":1,"num_words":4,"start":669.27997,"end":671.13995},{"sentences":[{"text":"Yeah.","start":670.895,"end":671.21497,"sentiment":"neutral","sentiment_score":0.04426535964012146},{"text":"Okay.","start":671.21497,"end":671.71497,"sentiment":"neutral","sentiment_score":0.03691911697387695},{"text":"Beat me to it.","start":672.335,"end":673.475,"sentiment":"neutral","sentiment_score":0.0003427872434258461},{"text":"Now that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees.","start":673.83,"end":694.815,"sentiment":"neutral","sentiment_score":0.11862902700901032},{"text":"Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well.","start":695.83496,"end":705.72,"sentiment":"neutral","sentiment_score":-0.03345651990931594}],"sentiment":"neutral","sentiment_score":0.05516788560708755,"channel":0,"num_words":89,"start":670.895,"end":705.72},{"sentences":[{"text":"So we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation.","start":705.82,"end":715.185,"sentiment":"neutral","sentiment_score":-0.055818438762798905},{"text":"And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation.","start":716.205,"end":722.705,"sentiment":"neutral","sentiment_score":-0.06855152369193408}],"sentiment":"neutral","sentiment_score":-0.06204952287705655,"channel":0,"num_words":47,"start":705.82,"end":722.705},{"sentences":[{"text":"Yes.","start":723.92004,"end":724.42004,"sentiment":"neutral","sentiment_score":-0.02429257519543171}],"sentiment":"neutral","sentiment_score":-0.02429257519543171,"channel":1,"num_words":1,"start":723.92004,"end":724.42004},{"sentences":[{"text":"Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world.","start":724.84503,"end":735.18,"sentiment":"positive","sentiment_score":0.5358762187617165},{"text":"So in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world.","start":735.24,"end":752.625,"sentiment":"positive","sentiment_score":0.6479645691812038}],"sentiment":"positive","sentiment_score":0.6093767764138394,"channel":0,"num_words":61,"start":724.84503,"end":752.625},{"sentences":[{"text":"Yep.","start":754.34,"end":754.84,"sentiment":"neutral","sentiment_score":0.1937154233455658}],"sentiment":"neutral","sentiment_score":0.1937154233455658,"channel":1,"num_words":1,"start":754.34,"end":754.84},{"sentences":[{"text":"Yep.","start":755.5,"end":756.0,"sentiment":"neutral","sentiment_score":0.1775449365377426},{"text":"Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that.","start":756.22,"end":765.27997,"sentiment":"neutral","sentiment_score":0.08518484217876737},{"text":"Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position.","start":766.175,"end":780.51495,"sentiment":"neutral","sentiment_score":0.3064024329862811},{"text":"And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you.","start":781.17,"end":796.675,"sentiment":"neutral","sentiment_score":0.03198856049113803},{"text":"Does that make sense?","start":796.675,"end":797.815,"sentiment":"neutral","sentiment_score":0.06280943006277084}],"sentiment":"neutral","sentiment_score":0.1484831160191318,"channel":0,"num_words":116,"start":755.5,"end":797.815},{"sentences":[{"text":"Yeah.","start":798.305,"end":798.805,"sentiment":"neutral","sentiment_score":0.04295526444911957}],"sentiment":"neutral","sentiment_score":0.04295526444911957,"channel":1,"num_words":1,"start":798.305,"end":798.805},{"sentences":[{"text":"Yes.","start":799.47504,"end":799.97504,"sentiment":"neutral","sentiment_score":0.0704701691865921},{"text":"So what I would like to do, if you are happy with that, it is switching just one of your investments.","start":800.115,"end":806.215,"sentiment":"neutral","sentiment_score":0.052797898916261535},{"text":"Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity.","start":807.06995,"end":815.73,"sentiment":"neutral","sentiment_score":0.03533000675961375},{"text":"So this one here is recently underperforming a little bit.","start":816.67,"end":820.635,"sentiment":"neutral","sentiment_score":-0.09778249859809876},{"text":"And if we don't foresee it being a good investment for you moving forward, we wanna change it.","start":820.635,"end":826.815,"sentiment":"neutral","sentiment_score":-0.016709721129801538}],"sentiment":"neutral","sentiment_score":0.008674660218613489,"channel":0,"num_words":70,"start":799.47504,"end":826.815},{"sentences":[{"text":"So what we have researched as an alternative option for you is one that is called beta shares Australia two hundred.","start":827.435,"end":837.91003,"sentiment":"neutral","sentiment_score":0.02553079312755948},{"text":"Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified.","start":838.77,"end":852.885,"sentiment":"neutral","sentiment_score":0.077175614837971},{"text":"So we want some in Australia and then some across the globe.","start":853.665,"end":856.625,"sentiment":"neutral","sentiment_score":0.06235761226465305},{"text":"Does that make sense?","start":856.625,"end":857.765,"sentiment":"neutral","sentiment_score":0.05503716133534908}],"sentiment":"neutral","sentiment_score":0.058669983320040246,"channel":0,"num_words":73,"start":827.435,"end":857.765},{"sentences":[{"text":"Yeah.","start":858.185,"end":858.685,"sentiment":"neutral","sentiment_score":0.05557134747505188}],"sentiment":"neutral","sentiment_score":0.05557134747505188,"channel":1,"num_words":1,"start":858.185,"end":858.685},{"sentences":[{"text":"Yeah.","start":859.025,"end":859.34503,"sentiment":"neutral","sentiment_score":0.11069874465465546},{"text":"Perfect.","start":859.34503,"end":859.84503,"sentiment":"neutral","sentiment_score":0.20675909519195557},{"text":"Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment.","start":860.225,"end":868.77997,"sentiment":"neutral","sentiment_score":0.04904509256952084},{"text":"Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market.","start":869.31995,"end":881.045,"sentiment":"neutral","sentiment_score":0.00025398846446478274},{"text":"But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive.","start":881.505,"end":890.72504,"sentiment":"neutral","sentiment_score":-0.10543121929679598}],"sentiment":"neutral","sentiment_score":-0.0153558666226507,"channel":0,"num_words":88,"start":859.025,"end":890.72504},{"sentences":[{"text":"And sometimes it's worth it if they are performing really well, which they have been.","start":891.6,"end":896.02,"sentiment":"neutral","sentiment_score":0.21823622584342955},{"text":"But like I said, more recently, they've been a little bit slower with their decision.","start":896.72,"end":900.82,"sentiment":"neutral","sentiment_score":-0.23439302295446396},{"text":"So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia.","start":901.52,"end":912.205,"sentiment":"neutral","sentiment_score":0.14417932824841861},{"text":"So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well.","start":912.90497,"end":921.565,"sentiment":"positive","sentiment_score":0.543592587761257},{"text":"Are you happy for us to do that one change for you, Sunny?","start":922.8,"end":926.18,"sentiment":"positive","sentiment_score":0.47110573374308073}],"sentiment":"neutral","sentiment_score":0.23753529073376406,"channel":0,"num_words":95,"start":891.6,"end":926.18},{"sentences":[{"text":"Yep.","start":926.74,"end":927.24,"sentiment":"neutral","sentiment_score":0.1719304770231247}],"sentiment":"neutral","sentiment_score":0.1719304770231247,"channel":1,"num_words":1,"start":926.74,"end":927.24},{"sentences":[{"text":"Yep.","start":927.68,"end":928.07996,"sentiment":"neutral","sentiment_score":0.23670201003551483},{"text":"Perfect.","start":928.07996,"end":928.57996,"sentiment":"positive","sentiment_score":0.5623263120651245},{"text":"So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice.","start":928.95996,"end":938.425,"sentiment":"neutral","sentiment_score":0.21119877916795235},{"text":"Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made.","start":938.965,"end":947.065,"sentiment":"neutral","sentiment_score":0.17762725138001972},{"text":"So I will email that to you in the next couple of days.","start":947.765,"end":951.625,"sentiment":"neutral","sentiment_score":0.18286578013346746}],"sentiment":"neutral","sentiment_score":0.19818240998015887,"channel":0,"num_words":69,"start":927.68,"end":951.625},{"sentences":[{"text":"Have a bit of a look through it.","start":952.54,"end":953.57996,"sentiment":"neutral","sentiment_score":0.15504617616534233},{"text":"You don't need to change it or anything.","start":953.57996,"end":955.36,"sentiment":"neutral","sentiment_score":0.06153771746903658},{"text":"I I mean, sorry.","start":955.89996,"end":956.77997,"sentiment":"neutral","sentiment_score":0.09270908311009407},{"text":"You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility.","start":956.77997,"end":972.615,"sentiment":"neutral","sentiment_score":0.28827384796063854},{"text":"Does that make sense?","start":972.995,"end":974.13495,"sentiment":"neutral","sentiment_score":0.09250403940677643}],"sentiment":"neutral","sentiment_score":0.23054594261112152,"channel":0,"num_words":77,"start":952.54,"end":974.13495},{"sentences":[{"text":"Yep.","start":974.44995,"end":974.94995,"sentiment":"neutral","sentiment_score":0.10558086633682252}],"sentiment":"neutral","sentiment_score":0.10558086633682252,"channel":1,"num_words":1,"start":974.44995,"end":974.94995},{"sentences":[{"text":"Yep.","start":975.315,"end":975.795,"sentiment":"neutral","sentiment_score":0.16227994859218595},{"text":"Beautiful.","start":975.795,"end":976.295,"sentiment":"positive","sentiment_score":0.4564103484153747},{"text":"Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio.","start":977.235,"end":986.81,"sentiment":"neutral","sentiment_score":0.11307276962768464},{"text":"Do you remember what it means to be a growth investor at all?","start":988.31,"end":992.49,"sentiment":"neutral","sentiment_score":0.04764317807096701}],"sentiment":"neutral","sentiment_score":0.10034943816976415,"channel":0,"num_words":36,"start":975.315,"end":992.49},{"sentences":[{"text":"I know.","start":993.495,"end":993.81494,"sentiment":"neutral","sentiment_score":-0.007483326364308596},{"text":"I don't remember.","start":993.81494,"end":994.795,"sentiment":"neutral","sentiment_score":-0.01796836716433366}],"sentiment":"neutral","sentiment_score":-0.013774350844323635,"channel":1,"num_words":5,"start":993.495,"end":994.795},{"sentences":[{"text":"No.","start":995.605,"end":995.765,"sentiment":"neutral","sentiment_score":-0.05219223350286484},{"text":"That's okay.","start":995.765,"end":996.565,"sentiment":"neutral","sentiment_score":-0.007484889589250088},{"text":"Most people say the same.","start":996.565,"end":998.025,"sentiment":"neutral","sentiment_score":0.025004982575774194},{"text":"So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire.","start":998.965,"end":1011.92,"sentiment":"neutral","sentiment_score":0.09923250111086028},{"text":"Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation.","start":1013.66,"end":1024.995,"sentiment":"neutral","sentiment_score":0.0643400916898692}],"sentiment":"neutral","sentiment_score":0.07525975592434406,"channel":0,"num_words":70,"start":995.605,"end":1024.995},{"sentences":[{"text":"Now what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart.","start":1026.735,"end":1041.2201,"sentiment":"neutral","sentiment_score":0.13501558577020964},{"text":"Let me know if you can see that.","start":1041.4401,"end":1043.14,"sentiment":"neutral","sentiment_score":0.0289865939412266},{"text":"And it should be like a graph.","start":1048.5751,"end":1050.1151,"sentiment":"neutral","sentiment_score":0.0566988294678075}],"sentiment":"neutral","sentiment_score":0.10915541486745631,"channel":0,"num_words":54,"start":1026.735,"end":1050.1151},{"sentences":[{"text":"Is it the the same email?","start":1054.7001,"end":1056.88,"sentiment":"neutral","sentiment_score":0.010673650928462544}],"sentiment":"neutral","sentiment_score":0.010673650928462544,"channel":1,"num_words":6,"start":1054.7001,"end":1056.88},{"sentences":[{"text":"Vanguard index","start":1058.3351,"end":1059.555,"sentiment":"neutral","sentiment_score":-0.1760411486029625}],"sentiment":"neutral","sentiment_score":-0.1760411486029625,"channel":0,"num_words":2,"start":1058.3351,"end":1059.555},{"sentences":[{"text":"I don't","start":1059.5,"end":1059.9,"sentiment":"neutral","sentiment_score":-0.2745649665594101}],"sentiment":"neutral","sentiment_score":-0.2745649665594101,"channel":1,"num_words":2,"start":1059.5,"end":1059.9},{"sentences":[{"text":"chart.","start":1059.6951,"end":1060.1951,"sentiment":"neutral","sentiment_score":-0.3046364188194275}],"sentiment":"neutral","sentiment_score":-0.3046364188194275,"channel":0,"num_words":1,"start":1059.6951,"end":1060.1951},{"sentences":[{"text":"I don't get one.","start":1059.9,"end":1061.02,"sentiment":"neutral","sentiment_score":-0.26884206756949425},{"text":"Sorry.","start":1061.02,"end":1061.52,"sentiment":"neutral","sentiment_score":-0.15949881076812744}],"sentiment":"neutral","sentiment_score":-0.2469734162092209,"channel":1,"num_words":5,"start":1059.9,"end":1061.52},{"sentences":[{"text":"Yes.","start":1061.41,"end":1061.91,"sentiment":"neutral","sentiment_score":-0.04275984317064285}],"sentiment":"neutral","sentiment_score":-0.04275984317064285,"channel":0,"num_words":1,"start":1061.41,"end":1061.91},{"sentences":[{"text":"Yeah.","start":1061.66,"end":1062.16,"sentiment":"neutral","sentiment_score":-0.05182070657610893}],"sentiment":"neutral","sentiment_score":-0.05182070657610893,"channel":1,"num_words":1,"start":1061.66,"end":1062.16},{"sentences":[{"text":"No.","start":1062.13,"end":1062.37,"sentiment":"neutral","sentiment_score":-0.140565425157547},{"text":"That's okay.","start":1062.37,"end":1063.11,"sentiment":"neutral","sentiment_score":-0.06675405986607075},{"text":"Let me know when you","start":1063.49,"end":1064.29,"sentiment":"neutral","sentiment_score":0.0032502595335245133}],"sentiment":"neutral","sentiment_score":-0.03222778090275824,"channel":0,"num_words":8,"start":1062.13,"end":1064.29},{"sentences":[{"text":"Yeah.","start":1064.2201,"end":1064.4601,"sentiment":"neutral","sentiment_score":0.004750351887196302}],"sentiment":"neutral","sentiment_score":0.004750351887196302,"channel":1,"num_words":1,"start":1064.2201,"end":1064.4601},{"sentences":[{"text":"can","start":1064.29,"end":1064.53,"sentiment":"neutral","sentiment_score":0.007573800161480904}],"sentiment":"neutral","sentiment_score":0.007573800161480904,"channel":0,"num_words":1,"start":1064.29,"end":1064.53},{"sentences":[{"text":"Yeah.","start":1064.4601,"end":1064.9601,"sentiment":"neutral","sentiment_score":0.011629277840256693}],"sentiment":"neutral","sentiment_score":0.011629277840256693,"channel":1,"num_words":1,"start":1064.4601,"end":1064.9601},{"sentences":[{"text":"see 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it.","start":1066.29,"end":1067.01,"sentiment":"neutral","sentiment_score":0.03404238726943731},{"text":"Okay.","start":1067.01,"end":1067.3301,"sentiment":"neutral","sentiment_score":0.2032773196697235},{"text":"Perfect.","start":1067.3301,"end":1067.8301,"sentiment":"positive","sentiment_score":0.5688774585723877},{"text":"Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market.","start":1068.29,"end":1076.47,"sentiment":"positive","sentiment_score":0.3456286278863748},{"text":"Now you can see here that this one goes from 1995 all the way through to 2025.","start":1077.465,"end":1085.725,"sentiment":"neutral","sentiment_score":0.1325275586808429}],"sentiment":"neutral","sentiment_score":0.24375276370568477,"channel":0,"num_words":47,"start":1066.29,"end":1085.725},{"sentences":[{"text":"And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term.","start":1086.345,"end":1096.14,"sentiment":"neutral","sentiment_score":0.17861326507159642},{"text":"The short term, depending on what is going on in the world, there is a bit of short term fluctuation.","start":1096.68,"end":1101.8201,"sentiment":"neutral","sentiment_score":-0.05562668312340975}],"sentiment":"neutral","sentiment_score":0.09343510209159418,"channel":0,"num_words":55,"start":1086.345,"end":1101.8201},{"sentences":[{"text":"Yeah.","start":1104.2,"end":1104.7,"sentiment":"neutral","sentiment_score":0.032756805419921875}],"sentiment":"neutral","sentiment_score":0.032756805419921875,"channel":1,"num_words":1,"start":1104.2,"end":1104.7},{"sentences":[{"text":"Does that make 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classes.","start":1113.9751,"end":1116.2351,"sentiment":"neutral","sentiment_score":0.08041839860379696},{"text":"So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%.","start":1116.87,"end":1127.93,"sentiment":"neutral","sentiment_score":0.12770745724439622},{"text":"That is your top four combined.","start":1128.63,"end":1130.65,"sentiment":"neutral","sentiment_score":0.2334476187825203},{"text":"So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green.","start":1131.1849,"end":1137.605,"sentiment":"neutral","sentiment_score":0.14383445344865323},{"text":"You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color.","start":1138.065,"end":1147.29,"sentiment":"neutral","sentiment_score":0.13800885621458292}],"sentiment":"neutral","sentiment_score":0.14055629564991481,"channel":0,"num_words":79,"start":1113.9751,"end":1147.29},{"sentences":[{"text":"So about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super.","start":1148.15,"end":1158.3301,"sentiment":"neutral","sentiment_score":0.2227349093666783},{"text":"And then we have 20% in those bottom three.","start":1159.405,"end":1163.745,"sentiment":"neutral","sentiment_score":0.15551098104980257},{"text":"So these are the ones that you can see.","start":1163.885,"end":1166.045,"sentiment":"neutral","sentiment_score":0.19578702085547978},{"text":"They don't grow near as much, but they're a little bit smoother.","start":1166.045,"end":1169.745,"sentiment":"neutral","sentiment_score":0.04621237019697825},{"text":"So we wanna make sure that even though we are growing your super, we don't want it to be high risk.","start":1170.365,"end":1175.94,"sentiment":"neutral","sentiment_score":-0.0067618368636994134}],"sentiment":"neutral","sentiment_score":0.12292403125992188,"channel":0,"num_words":78,"start":1148.15,"end":1175.94},{"sentences":[{"text":"We also want some of that expensive components to smooth things out for you.","start":1176.32,"end":1181.94,"sentiment":"neutral","sentiment_score":0.027067847549915314},{"text":"So that's your the defensive investment.","start":1182.32,"end":1184.98,"sentiment":"neutral","sentiment_score":0.12408313403526942},{"text":"Now when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around.","start":1186.585,"end":1198.8,"sentiment":"neutral","sentiment_score":0.10596791883547078},{"text":"So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market.","start":1198.8,"end":1204.1001,"sentiment":"neutral","sentiment_score":-0.15659186190792493},{"text":"So it's also important to look at time frames.","start":1204.56,"end":1207.04,"sentiment":"neutral","sentiment_score":-0.016387199362119038}],"sentiment":"neutral","sentiment_score":0.015362428761796937,"channel":0,"num_words":84,"start":1176.32,"end":1207.04},{"sentences":[{"text":"And then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations.","start":1207.04,"end":1218.275,"sentiment":"neutral","sentiment_score":0.012088007156682365},{"text":"So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you.","start":1219.6951,"end":1231.37,"sentiment":"neutral","sentiment_score":0.12816429915635483},{"text":"So from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk.","start":1231.6699,"end":1244.5449,"sentiment":"neutral","sentiment_score":0.2765757541515325},{"text":"Does that make sense?","start":1245.4049,"end":1246.6849,"sentiment":"neutral","sentiment_score":0.20712681859731674},{"text":"And are you still","start":1246.6849,"end":1247.565,"sentiment":"neutral","sentiment_score":0.07414307724684477}],"sentiment":"neutral","sentiment_score":0.14557018801027422,"channel":0,"num_words":103,"start":1207.04,"end":1247.565},{"sentences":[{"text":"Yep.","start":1247.38,"end":1247.88,"sentiment":"neutral","sentiment_score":0.15537837147712708}],"sentiment":"neutral","sentiment_score":0.15537837147712708,"channel":1,"num_words":1,"start":1247.38,"end":1247.88},{"sentences":[{"text":"happy with, like, the level of risk and everything we currently have for you?","start":1247.565,"end":1251.825,"sentiment":"neutral","sentiment_score":0.24157015021358216}],"sentiment":"neutral","sentiment_score":0.24157015021358216,"channel":0,"num_words":14,"start":1247.565,"end":1251.825},{"sentences":[{"text":"Yep.","start":1252.26,"end":1252.76,"sentiment":"neutral","sentiment_score":0.17033039033412933}],"sentiment":"neutral","sentiment_score":0.17033039033412933,"channel":1,"num_words":1,"start":1252.26,"end":1252.76},{"sentences":[{"text":"Yeah.","start":1253.005,"end":1253.485,"sentiment":"positive","sentiment_score":0.37942183017730713},{"text":"Beautiful.","start":1253.485,"end":1253.985,"sentiment":"positive","sentiment_score":0.5574023723602295},{"text":"Now the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little 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that?","start":1283.575,"end":1284.715,"sentiment":"neutral","sentiment_score":0.06890341266989708},{"text":"It says consent to new ongoing fee arrangement,","start":1286.25,"end":1290.03,"sentiment":"neutral","sentiment_score":0.06120437989011407}],"sentiment":"neutral","sentiment_score":0.09291287159194818,"channel":0,"num_words":37,"start":1271.095,"end":1290.03},{"sentences":[{"text":"Yeah.","start":1292.005,"end":1292.505,"sentiment":"neutral","sentiment_score":0.05248501151800155}],"sentiment":"neutral","sentiment_score":0.05248501151800155,"channel":1,"num_words":1,"start":1292.005,"end":1292.505},{"sentences":[{"text":"Or what can you 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one.","start":1306.345,"end":1309.5,"sentiment":"neutral","sentiment_score":0.12385917135647365},{"text":"Now this is just a compliance form.","start":1309.74,"end":1312.06,"sentiment":"neutral","sentiment_score":0.22878343079771316},{"text":"It's just basically to let you know we are keeping your tax file number secure and safe on file.","start":1312.06,"end":1317.6,"sentiment":"neutral","sentiment_score":0.29726247724733856}],"sentiment":"neutral","sentiment_score":0.2159741780785627,"channel":0,"num_words":43,"start":1305.3849,"end":1317.6},{"sentences":[{"text":"And then do you have one after that?","start":1320.22,"end":1322.24,"sentiment":"neutral","sentiment_score":0.07693291595205665}],"sentiment":"neutral","sentiment_score":0.07693291595205665,"channel":0,"num_words":8,"start":1320.22,"end":1322.24},{"sentences":[{"text":"I still have to put my full name in here or just 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that still the case as well, or did that change?","start":1615.035,"end":1617.6951,"sentiment":"neutral","sentiment_score":-0.0024344441904263063}],"sentiment":"neutral","sentiment_score":0.01521249681424636,"channel":0,"num_words":26,"start":1607.63,"end":1617.6951},{"sentences":[{"text":"I think it's still the same.","start":1619.985,"end":1621.1849,"sentiment":"neutral","sentiment_score":-0.02765008683005969},{"text":"Yeah.","start":1621.1849,"end":1621.65,"sentiment":"neutral","sentiment_score":0.005303744226694107}],"sentiment":"neutral","sentiment_score":-0.02294239667909486,"channel":1,"num_words":7,"start":1619.985,"end":1621.65},{"sentences":[{"text":"Still the same?","start":1621.6901,"end":1622.41,"sentiment":"neutral","sentiment_score":-0.004216412082314491},{"text":"Okay.","start":1622.41,"end":1622.91,"sentiment":"neutral","sentiment_score":0.001556919887661934},{"text":"And when it comes to assets, I have here that your property, last time we spoke, was valued at about 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worth?","start":1640.055,"end":1643.1951,"sentiment":"neutral","sentiment_score":-0.019450938498431988}],"sentiment":"neutral","sentiment_score":-0.018279163166880608,"channel":0,"num_words":12,"start":1639.735,"end":1643.1951},{"sentences":[{"text":"Maybe, like let me have a look.","start":1644.785,"end":1650.08,"sentiment":"neutral","sentiment_score":-0.0032923296093940735}],"sentiment":"neutral","sentiment_score":-0.0032923296093940735,"channel":1,"num_words":7,"start":1644.785,"end":1650.08},{"sentences":[{"text":"Sure.","start":1650.4701,"end":1650.9701,"sentiment":"neutral","sentiment_score":0.015980571508407593}],"sentiment":"neutral","sentiment_score":0.015980571508407593,"channel":0,"num_words":1,"start":1650.4701,"end":1650.9701},{"sentences":[{"text":"Maybe just around, like, less than 600, I 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I have here that the mortgage is around 365,000.","start":1663.285,"end":1668.5851,"sentiment":"neutral","sentiment_score":0.0758234716951847}],"sentiment":"neutral","sentiment_score":0.08035972776512305,"channel":0,"num_words":12,"start":1661.3651,"end":1668.5851},{"sentences":[{"text":"Yeah.","start":1670.295,"end":1670.535,"sentiment":"neutral","sentiment_score":0.06639477610588074},{"text":"Yeah.","start":1670.535,"end":1670.775,"sentiment":"neutral","sentiment_score":0.08853241801261902},{"text":"That's right.","start":1670.775,"end":1671.675,"sentiment":"neutral","sentiment_score":0.13181394711136818}],"sentiment":"neutral","sentiment_score":0.10463877208530903,"channel":1,"num_words":4,"start":1670.295,"end":1671.675},{"sentences":[{"text":"Yep.","start":1671.7,"end":1672.1799,"sentiment":"neutral","sentiment_score":0.1502753347158432},{"text":"Perfect.","start":1672.1799,"end":1672.6799,"sentiment":"neutral","sentiment_score":0.2657477557659149},{"text":"You also have a motor 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something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you.","start":2020.59,"end":2038.665,"sentiment":"positive","sentiment_score":0.35167884093428414}],"sentiment":"positive","sentiment_score":0.36867169997134763,"channel":0,"num_words":77,"start":2015.3251,"end":2038.665},{"sentences":[{"text":"Yep.","start":2039.53,"end":2040.03,"sentiment":"neutral","sentiment_score":0.137656569480896}],"sentiment":"neutral","sentiment_score":0.137656569480896,"channel":1,"num_words":1,"start":2039.53,"end":2040.03},{"sentences":[{"text":"Yep.","start":2040.485,"end":2040.985,"sentiment":"neutral","sentiment_score":0.09733176231384276}],"sentiment":"neutral","sentiment_score":0.09733176231384276,"channel":0,"num_words":1,"start":2040.485,"end":2040.985},{"sentences":[{"text":"Last last 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to go for, like, a lawyer, how much it will","start":2044.385,"end":2047.985,"sentiment":"neutral","sentiment_score":0.0135860356756232}],"sentiment":"neutral","sentiment_score":0.0135860356756232,"channel":1,"num_words":11,"start":2044.385,"end":2047.985},{"sentences":[{"text":"Yes?","start":2047.765,"end":2048.2651,"sentiment":"neutral","sentiment_score":0.0033815475180745125}],"sentiment":"neutral","sentiment_score":0.0033815475180745125,"channel":0,"num_words":1,"start":2047.765,"end":2048.2651},{"sentences":[{"text":"cost?","start":2047.985,"end":2048.4849,"sentiment":"neutral","sentiment_score":0.02025456726551056}],"sentiment":"neutral","sentiment_score":0.02025456726551056,"channel":1,"num_words":1,"start":2047.985,"end":2048.4849},{"sentences":[{"text":"Yeah.","start":2048.9302,"end":2049.25,"sentiment":"neutral","sentiment_score":0.04640332609415054},{"text":"That is a good question.","start":2049.25,"end":2050.2102,"sentiment":"neutral","sentiment_score":0.1229946106672287},{"text":"Let me get up.","start":2050.2102,"end":2050.9302,"sentiment":"neutral","sentiment_score":0.08317997865378857},{"text":"So each lawyer charges a little bit different depending on complexities and who they are.","start":2050.9302,"end":2057.59,"sentiment":"neutral","sentiment_score":-0.014436751479903857},{"text":"Now the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge.","start":2057.81,"end":2066.185,"sentiment":"neutral","sentiment_score":0.1382837383835404}],"sentiment":"neutral","sentiment_score":0.0867539607346631,"channel":0,"num_words":52,"start":2048.9302,"end":2066.185},{"sentences":[{"text":"So if it's for a simple well for one person, they charge about 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two.","start":2094.335,"end":2102.435,"sentiment":"neutral","sentiment_score":0.12365105266080183}],"sentiment":"neutral","sentiment_score":0.11164624687461626,"channel":0,"num_words":42,"start":2078.9,"end":2102.435},{"sentences":[{"text":"Okay.","start":2104.345,"end":2104.845,"sentiment":"neutral","sentiment_score":0.14976654946804047}],"sentiment":"neutral","sentiment_score":0.14976654946804047,"channel":1,"num_words":1,"start":2104.345,"end":2104.845},{"sentences":[{"text":"Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way?","start":2105.95,"end":2117.25,"sentiment":"neutral","sentiment_score":0.2625956483185291}],"sentiment":"neutral","sentiment_score":0.2625956483185291,"channel":0,"num_words":40,"start":2105.95,"end":2117.25},{"sentences":[{"text":"Yeah.","start":2117.5398,"end":2117.78,"sentiment":"neutral","sentiment_score":0.2327190488576889},{"text":"Yes, please.","start":2117.78,"end":2118.5999,"sentiment":"neutral","sentiment_score":0.31855393946170807}],"sentiment":"neutral","sentiment_score":0.28994230926036835,"channel":1,"num_words":3,"start":2117.5398,"end":2118.5999},{"sentences":[{"text":"Yes.","start":2118.795,"end":2119.195,"sentiment":"positive","sentiment_score":0.5208890438079834},{"text":"Perfect.","start":2119.195,"end":2119.695,"sentiment":"positive","sentiment_score":0.7926360368728638},{"text":"Now I will get my team on to that.","start":2119.835,"end":2121.435,"sentiment":"positive","sentiment_score":0.6694552567270067},{"text":"They have all finished for the day, so it might be tomorrow or later in the week.","start":2121.435,"end":2126.635,"sentiment":"positive","sentiment_score":0.4560442389372517},{"text":"But just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that 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is a good question, though.","start":2143.8198,"end":2145.26,"sentiment":"positive","sentiment_score":0.5898934106032053},{"text":"But anything else I can help you with?","start":2145.26,"end":2147.28,"sentiment":"neutral","sentiment_score":0.2905628699809313}],"sentiment":"positive","sentiment_score":0.4402487923701604,"channel":0,"num_words":15,"start":2143.3398,"end":2147.28},{"sentences":[{"text":"Yeah.","start":2147.525,"end":2147.6848,"sentiment":"neutral","sentiment_score":0.20600056648254397},{"text":"That's I think that's all for now.","start":2147.6848,"end":2149.7048,"sentiment":"neutral","sentiment_score":0.17596610529082163}],"sentiment":"neutral","sentiment_score":0.1797204129397869,"channel":1,"num_words":8,"start":2147.525,"end":2149.7048},{"sentences":[{"text":"That's it.","start":2149.305,"end":2149.945,"sentiment":"neutral","sentiment_score":0.11355614662170409},{"text":"Okay.","start":2149.945,"end":2150.425,"sentiment":"neutral","sentiment_score":0.22192534804344177},{"text":"If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call.","start":2150.425,"end":2158.105,"sentiment":"neutral","sentiment_score":0.22564150542020797},{"text":"We're always here if there is anything that you do need.","start":2158.105,"end":2160.525,"sentiment":"positive","sentiment_score":0.3755252970890565}],"sentiment":"neutral","sentiment_score":0.25793320617892523,"channel":0,"num_words":44,"start":2149.305,"end":2160.525},{"sentences":[{"text":"Yep.","start":2161.5,"end":2161.98,"sentiment":"neutral","sentiment_score":0.2764378488063812},{"text":"Thank you","start":2161.98,"end":2162.38,"sentiment":"positive","sentiment_score":0.6428025364875793}],"sentiment":"positive","sentiment_score":0.5206809739271799,"channel":1,"num_words":3,"start":2161.5,"end":2162.38},{"sentences":[{"text":"Yep.","start":2162.29,"end":2162.79,"sentiment":"positive","sentiment_score":0.47305285930633545}],"sentiment":"positive","sentiment_score":0.47305285930633545,"channel":0,"num_words":1,"start":2162.29,"end":2162.79},{"sentences":[{"text":"very much.","start":2162.38,"end":2163.1199,"sentiment":"positive","sentiment_score":0.700408399105072}],"sentiment":"positive","sentiment_score":0.700408399105072,"channel":1,"num_words":2,"start":2162.38,"end":2163.1199},{"sentences":[{"text":"Perfect.","start":2162.8499,"end":2163.3499,"sentiment":"positive","sentiment_score":0.7582051753997803},{"text":"That's okay.","start":2163.49,"end":2164.13,"sentiment":"positive","sentiment_score":0.6598755419254303},{"text":"Well, I will let you go and enjoy your afternoon.","start":2164.13,"end":2166.31,"sentiment":"positive","sentiment_score":0.7295850992202759},{"text":"And like I said, anything that you need, just let me know.","start":2166.8499,"end":2169.41,"sentiment":"positive","sentiment_score":0.4429751733938853},{"text":"But, otherwise, it was lovely speaking with you this afternoon.","start":2169.41,"end":2171.99,"sentiment":"positive","sentiment_score":0.7486247092485427}],"sentiment":"positive","sentiment_score":0.6335930407047272,"channel":0,"num_words":35,"start":2162.8499,"end":2171.99},{"sentences":[{"text":"Yep.","start":2173.335,"end":2173.735,"sentiment":"positive","sentiment_score":0.43041372299194336},{"text":"All good.","start":2173.735,"end":2174.135,"sentiment":"positive","sentiment_score":0.7088623642921448},{"text":"Thank you very much for your time.","start":2174.135,"end":2175.915,"sentiment":"positive","sentiment_score":0.817140451499394}],"sentiment":"positive","sentiment_score":0.7568121612071991,"channel":1,"num_words":10,"start":2173.335,"end":2175.915},{"sentences":[{"text":"No problem at all.","start":2176.647,"end":2177.687,"sentiment":"positive","sentiment_score":0.43449531495571136},{"text":"We'll speak soon.","start":2177.687,"end":2178.7468,"sentiment":"positive","sentiment_score":0.3564918438593547}],"sentiment":"positive","sentiment_score":0.4010652559144156,"channel":0,"num_words":7,"start":2176.647,"end":2178.7468},{"sentences":[{"text":"Yeah.","start":2180.055,"end":2180.295,"sentiment":"neutral","sentiment_score":0.23844054341316223},{"text":"Bye.","start":2180.295,"end":2180.795,"sentiment":"neutral","sentiment_score":0.19439291954040527}],"sentiment":"neutral","sentiment_score":0.21641673147678375,"channel":1,"num_words":2,"start":2180.055,"end":2180.795},{"sentences":[{"text":"Okay.","start":2181.0469,"end":2181.4468,"sentiment":"neutral","sentiment_score":0.15295353531837463},{"text":"Bye.","start":2181.4468,"end":2181.9468,"sentiment":"neutral","sentiment_score":-0.10084956139326096}],"sentiment":"neutral","sentiment_score":0.02605198696255684,"channel":0,"num_words":2,"start":2181.0469,"end":2181.9468}]},"summary":{"result":"success","short":"Representatives from Oakview Financial explain the process of reviewing and updating financial statements, including a compliance form and financial services guide. They also discuss retirement plans and investments, including beta shares Australia two hundred and growth investments. The agent provides guidance on signing and validating ongoing service agreements and updating personal information, as well as providing pricing information for a lawyer and power of attorney. The agent emphasizes the importance of staying in the growth portfolio for a long time and offers assistance with any questions or concerns."},"intents":{"segments":[{"text":"What I have done is I have sent you a new email just now with a couple of documents to go through. And part of that is the that fee arrangement anyway. So so it doesn't matter if the old one expire. That's okay. Okay.","start_word":410,"end_word":454,"intents":[{"intent":"Check fee arrangement","confidence_score":0.044281725}]},{"text":"Now, Sunny, do you have access to your emails right now? Yeah.","start_word":458,"end_word":469,"intents":[{"intent":"Get access to emails","confidence_score":0.00039220948}]},{"text":"of the important information has changed, all the same. But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos. And you will also see all the advisers and the directors and everyone.","start_word":734,"end_word":784,"intents":[{"intent":"Recommend changes to information","confidence_score":0.0000057515035}]},{"text":"Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that.","start_word":1487,"end_word":1508,"intents":[{"intent":"Change investment options","confidence_score":0.11445808}]},{"text":"So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia. So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well. Are you happy for us to do that one change for you, Sunny?","start_word":1865,"end_word":1929,"intents":[{"intent":"Change investment plan","confidence_score":0.2998385}]},{"text":"Now you can see here that this one goes from 1995 all the way through to 2025. And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term. The short term, depending on what is going on in the world, there is a bit of short term fluctuation. Yeah. Does that make sense?","start_word":2309,"end_word":2385,"intents":[{"intent":"Discuss market fluctuations","confidence_score":0.04353823}]},{"text":"If I press the sign all, Yep. it will be sign all of the documents? Or Just just two.","start_word":3071,"end_word":3089,"intents":[{"intent":"Assist with document formatting","confidence_score":0.0000041056833}]},{"text":"5,500. And nothing owing on that one either? No. No.","start_word":3763,"end_word":3772,"intents":[{"intent":"Check financial status","confidence_score":0.024396317}]},{"text":"Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way? Yeah.","start_word":4783,"end_word":4823,"intents":[{"intent":"Request brochure","confidence_score":0.0980292}]}]},"sentiments":{"segments":[{"text":"Hello? Sunny here.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.18879477679729464},{"text":"Good afternoon. This is Veronica from Oakview Financial.","start_word":3,"end_word":10,"sentiment":"positive","sentiment_score":0.38354742527008057},{"text":"How are you? Hey.","start_word":11,"end_word":14,"sentiment":"neutral","sentiment_score":0.27496418356895447},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.4640443921089173},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.3197683095932007},{"text":"I'm good. Thank you. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?","start_word":19,"end_word":43,"sentiment":"positive","sentiment_score":0.5436651706695557},{"text":"Yeah.","start_word":44,"end_word":44,"sentiment":"neutral","sentiment_score":0.3003709316253662},{"text":"Yeah. It's good. It's good.","start_word":45,"end_word":49,"sentiment":"positive","sentiment_score":0.64967942237854},{"text":"Yeah. Yes.","start_word":50,"end_word":51,"sentiment":"neutral","sentiment_score":0.3277398645877838},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.4623555839061737},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for training and security purposes, if that's okay.","start_word":53,"end_word":81,"sentiment":"neutral","sentiment_score":0.04793412238359451},{"text":"Perfect.","start_word":82,"end_word":82,"sentiment":"positive","sentiment_score":0.3646543323993683},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know what that might be? Yep. Sorry. What's that? Again? Yeah. Just for security purposes, just so that I can confirm that I am speaking with the correct person, I do have a client password on file for you. Do you know what that might be at all? Wait a minute. I have to check. That's okay. Take your time. Yes. Wait. Wait. Yeah. It's 13677082. I do have something else listed here. But what I can do instead is if you could just confirm full name, your date of birth, and address for me, that's also okay. Yep. It's Sunny thinning with the Lario. 74 Burrows Loop, Midvale, WA 605 Yep. 6. Yes. And just date of birth as well, please. It's 02/22/1980. Yeah.","start_word":83,"end_word":229,"sentiment":"neutral","sentiment_score":0.03276875615119934},{"text":"Perfect.","start_word":230,"end_word":230,"sentiment":"positive","sentiment_score":0.37118950486183167},{"text":"Now the password I have on file for you is LoveSay0627. Would Yep. you like me to change that? I think I no. No need. No need? Okay. We'll just leave it. But if you do forget it, we can do like we did just now, which is just a date of birth and full name and stuff. That's okay as well. Oh, yes. You can just Yeah. paste it. Yeah.","start_word":231,"end_word":301,"sentiment":"neutral","sentiment_score":0.0710892379283905},{"text":"Perfect.","start_word":302,"end_word":302,"sentiment":"positive","sentiment_score":0.4269316494464874},{"text":"Now before I kind of go go into the unreview with you, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any specific question or whether it's just a bit just a bit of an update and see what's happened in the last twelve months? Because I missed the the one the emails regarding the the fee of the adviser. So I missed that one. I didn't That's okay. accept it. So when No. I check it again, it's already due. That's So I can't open it anymore. fine. No. That's okay. What I have done is I have sent you a new email just now with a couple of documents to go through. And part of that is the that fee arrangement anyway. So so it doesn't matter if the old one expire. That's okay. Okay. Yep. Yep. Yeah. Now, Sunny, do you have access to your emails right now? Yeah. It's still the same. Yes. Yeah.","start_word":303,"end_word":475,"sentiment":"neutral","sentiment_score":-0.020358003675937653},{"text":"Perfect.","start_word":476,"end_word":476,"sentiment":"positive","sentiment_score":0.42160531878471375},{"text":"So I have just sent you an email just now, and it should say from Veronica. Did that come through okay at all on your end? Sure. Still waiting. Yep. Sometimes it ends up in the spam folder as well. Okay. Yeah. I'll check it.","start_word":477,"end_word":521,"sentiment":"neutral","sentiment_score":0.07846001535654068},{"text":"Thank you.","start_word":522,"end_word":523,"sentiment":"positive","sentiment_score":0.34905093908309937},{"text":"Yeah. Yeah. I got it. Perfect. Now we have just changed our software, so it might look a little bit different to what you are used to. But if you can open the email for me, now before you click on the link where it says sign now, can you see a couple of attachments in the bottom of the email? Yeah. There is, like, six of them. Yes.","start_word":524,"end_word":592,"sentiment":"neutral","sentiment_score":0.05373870208859444},{"text":"Perfect.","start_word":593,"end_word":593,"sentiment":"positive","sentiment_score":0.396623820066452},{"text":"So what I'll do is I'll just run through them with you and just explain what they are. Okay? Yep. Yes. So you should have the first two. So you should have one where it says Oakview services guide and one that says Oakview financial services guide version four. Can you see those? Is this one I I I will open the the EDS one? Yes, please. Yep. That's the yeah. About Talk to your financial. Yes. So Yeah. I I won't I won't get you to read the whole one because it's quite long, so I will leave you to do that in your own time. But just for your reference, it is one of those compliance forms. It is the same one you do receive at Anybody at AnnualView. It is just an updated version. So none Yep. of the important information has changed, all the same. But when you do have a bit of a look through it, you will see we've had a bit of an update to our marketing, so some new photos. And you will also see all the advisers and the directors and everyone. And when you do have a look at it, you will also see myself if you do wanna put a face to the voice when you do have a look at the document. Is that okay? Yeah. Yeah. Yeah. I've seen it. Yeah. Yeah.","start_word":594,"end_word":828,"sentiment":"neutral","sentiment_score":0.0823746384458339},{"text":"Perfect.","start_word":829,"end_word":829,"sentiment":"positive","sentiment_score":0.42627376317977905},{"text":"Now what is the next attachment that you can see? Right. Sure. Is it the I just need to go back or because Yes. when I press press the go the back portion, Yep. is doesn't go back to the PDF Okay. file. Yeah. Just go back or close out of the PDF, and it should take you back to the email. Yeah. Yeah. Yeah. I got it. I Yes. got it. I got it. Sorry. Perfect. No. That's okay. Now what is the next one you have that you can open? What's that one Now called? is the financial services guide. Okay. I won't get you to open that one because that's similar to the other one. It's just a longer version. Okay. And what's next? Okay. Next is so this is the about the super. Yes. Does that say super and insurance summary? Yeah. Yeah. Yeah. Yes. Can you open this one for me? Yeah. I did. So Yes. Okay. So what you should see in front of you, it is a breakdown of your super and your insurances. Now you have your super with hub twenty four, and you do have about $97,970 in there. Now you also have some insurances, and that is with a provider called ClearView. Now what you have is life Yep. and Yes. total permanent disability insurance, and that will cover you for $995,140. Okay? Yep. You also have an income protection policy. So if anything were to happen and you can't go back to work, that will pay you a that one is paid on a monthly. So it will give you a monthly benefit of $4,357 per month. You have a thirty day waiting period and a five year benefit period. Now all of those three is paid from super, so you don't pay for anything out of pocket. And after the tax rebate, the total premium for all three is $3,049. Does that all make Yep. sense? Yep. Yeah.","start_word":830,"end_word":1159,"sentiment":"neutral","sentiment_score":0.0835693254953984},{"text":"Perfect. And you are happy with your insurances and everything?","start_word":1160,"end_word":1169,"sentiment":"positive","sentiment_score":0.5354756116867065},{"text":"You don't need want to make any changes? Yeah. Yeah.","start_word":1170,"end_word":1179,"sentiment":"neutral","sentiment_score":0.12884870171546936},{"text":"I'm good Yes. for now. Perfect.","start_word":1180,"end_word":1185,"sentiment":"positive","sentiment_score":0.43563780188560486},{"text":"Now if you can close that one for me and then let me know what is the next document that you can see. Yeah. The certificate of currency. Okay. Yep. Now this one here, it does show you your insurances again, but just in a little bit more information. But basically, lets you know that's all paid and up to date for you. Yep. Perfect. Now what is the next one you can see? Oh, wait. I got it wrong. The second one, which is the performance with IRR. Yes. Can you open that one for me? Yeah. I did already. Yeah. Okay. Beat me to it. Now that one here, it gives you a breakdown of your portfolio in your superannuation, and it shows you all your individual investments, what has happened in the last twelve months, so how they have performed, and it does show you as well an overall of the portfolio after fees. Now in the last twelve months, we've had a bit of, you know, fluctuations in in the market and the world, which I'm sure you've seen on the news and stuff as well. So we had, obviously, everything going over in The US with Trump and tariffs and everything, which saw a little bit of market fluctuation. And now more recently, everything going over in The Middle East with the war as well has seen a little bit of fluctuation. Yes.","start_word":1186,"end_word":1423,"sentiment":"neutral","sentiment_score":0.05421233549714088},{"text":"Now this despite all of that, though, your portfolio has still done pretty good considering what has happened in the world. So in the last twelve months, now this is after all fees have come out of your account, your portfolio has still gone up by 8.22%, which we are really happy with, especially given what's going on in the world.","start_word":1424,"end_word":1484,"sentiment":"positive","sentiment_score":0.6021227240562439},{"text":"Yep. Yep. Now with your portfolio, there is one investment that I would like to look at changing if you are happy with that. Now with your investments as well and with hub twenty four, the good thing with hub twenty four is that we have hundreds of different investment options that we can choose with through making sure that we always have you in the best position. And if there is any investments that's underperforming a little bit or not doing as well as we would like it to be, it gives us the option of changing it through something else that is going to do a little bit better for you. Does that make sense? Yeah. Yes. So what I would like to do, if you are happy with that, it is switching just one of your investments. Now the investment team have done a lot of research on this investment, and that is your Benelung Australian equity. So this one here is recently underperforming a little bit. And if we don't foresee it being a good investment for you moving forward, we wanna change it. So what we have researched as an alternative option for you is one that is called beta shares Australia two hundred. Now, basically, because we are looking at changing one Australian investment, we wanna make sure we change it for another Australian investment because we wanna make sure your portfolio as a whole is still very diversified. So we want some in Australia and then some across the globe. Does that make sense? Yeah. Yeah. Perfect. Now this one investment that we are looking at changing it for, it is a little bit cheaper than the Benelon you have at the moment. Because Benelon, how that one is a little bit different is that they are trying to kind of actively buy and sell different investments in order to try to outperform the market. But because there's a little bit more of that active component through the investment and more research because of it, it can be a little bit more expensive. And sometimes it's worth it if they are performing really well, which they have been. But like I said, more recently, they've been a little bit slower with their decision. So the one that we have found that we would like to look at changing it for, it is still investing in the 200 largest companies listed in Australia.","start_word":1485,"end_word":1893,"sentiment":"neutral","sentiment_score":0.05472509768816545},{"text":"So it still gives you good diversification, little bit cheaper than the Benelon, and performance has been a little bit better as well. Are you happy for us to do that one change for you, Sunny?","start_word":1894,"end_word":1929,"sentiment":"positive","sentiment_score":0.5004962682723999},{"text":"Yep. Yep.","start_word":1930,"end_word":1931,"sentiment":"neutral","sentiment_score":0.20431624352931976},{"text":"Perfect.","start_word":1932,"end_word":1932,"sentiment":"positive","sentiment_score":0.5623263120651245},{"text":"So what I will do, just so that you have it in writing as well, is that I will issue something that's called a record of advice. Now you don't need to sign it, but it is just for your reference so that you have it in writing the one change we have made. So I will email that to you in the next couple of days. Have a bit of a look through it. You don't need to change it or anything. I I mean, sorry. You don't need to sign it, but it's just letting you know that we have actioned that one investment change for you, which, hopefully, we'll see their investment returns improve a little bit for you, make it a little bit cheaper, and also a little bit smoother when it comes to the volatility. Does that make sense? Yep. Yep.","start_word":1933,"end_word":2078,"sentiment":"neutral","sentiment_score":0.2120051234960556},{"text":"Beautiful.","start_word":2079,"end_word":2079,"sentiment":"positive","sentiment_score":0.4564103484153747},{"text":"Now when it comes to your super investments as well, we have you at the moment invested in a growth portfolio. Do you remember what it means to be a growth investor at all? I know. I don't remember. No. That's okay. Most people say the same. So, basically, what it means is that you are looking at getting, you know, as much growth out of your superannuation as you can while you still have plenty of time until you can retire. Now you you will experience some level of short term fluctuation in order to kinda make sure that long term, we are focusing on growing your superannuation. Now what that looks like in terms of an asset allocation, which actually is easier if you can get up, get out of this email this document and go through the first one, which should say Vanguard index chart. Let me know if you can see that. And it should be like a graph. Is it the the same email? Vanguard index I don't chart. I don't get one. Sorry. Yes. Yeah. No. That's okay. Let me know when you Yeah. can Yeah. see that. I I opened Yeah. it. You can see it. Okay.","start_word":2080,"end_word":2283,"sentiment":"neutral","sentiment_score":0.05346048652541404},{"text":"Perfect. Now this one here, it is a good visual representation of what we are talking about when we are typically talking about the market.","start_word":2284,"end_word":2308,"sentiment":"positive","sentiment_score":0.36148619651794434},{"text":"Now you can see here that this one goes from 1995 all the way through to 2025. And when you do have a look at it from more of, like, a long term point of view as well, you can see here that the market always goes up in the long term. The short term, depending on what is going on in the world, there is a bit of short term fluctuation. Yeah. Does that make sense? Yeah.","start_word":2309,"end_word":2386,"sentiment":"neutral","sentiment_score":0.09944964200258256},{"text":"Perfect.","start_word":2387,"end_word":2387,"sentiment":"positive","sentiment_score":0.453817218542099},{"text":"Now what you can see as well with the different lines outlined, the different colors, that's Yeah. the different assets classes. So when we are talking about a growth portfolio, what we classify as your growth investment, which in a growth portfolio, we have about 80%. That is your top four combined. So that is your US shares, which is the green one, the Australian shares, which is, like, the dark green. You then have, like, the yellow, which is the international shares, and then property as well, which is that kind of, like, maroon color. So about 80% in these through making sure we grow your super because you still have plenty of time until 60 when you can access your super. And then we have 20% in those bottom three. So these are the ones that you can see. They don't grow near as much, but they're a little bit smoother. So we wanna make sure that even though we are growing your super, we don't want it to be high risk. We also want some of that expensive components to smooth things out for you. So that's your the defensive investment. Now when we are also talking about a time frame, because it's also important to make sure that we have enough time in the market for you for those fluctuations to come back around. So you're not planning on retiring tomorrow and want your money, and it's a bit of a dip in the market. So it's also important to look at time frames. And then the closer you get to retirement, that's when we wanna slowly start shifting and putting more and more and more in defensive because you don't have as much time for those fluctuations. So in a growth portfolio, we would like to see, ideally, at least six years until retirement, which you certainly have behind you. So from a time frame point of view, in that growth portfolio, it is a good portfolio for for time frame because you do have plenty of time while still not having, you know, your your max risk. Does that make sense? And are you still Yep. happy with, like, the level of risk and everything we currently have for you? Yep.","start_word":2388,"end_word":2764,"sentiment":"neutral","sentiment_score":0.11149944819569273},{"text":"Yeah. Beautiful.","start_word":2765,"end_word":2766,"sentiment":"positive","sentiment_score":0.4684121012687683},{"text":"Now the next thing is if you are happy to do so, it will now ask you to press start or sign document on the little link. Yeah. Yeah. And there should be two documents it will ask you to sign. Now the first one you should see is that ongoing service agreement. Can you see that? It says consent to new ongoing fee arrangement, Yeah. Or what can you see? Yeah. The tax file number. Oh, yes. Sorry. That one, it will also ask you to add a signature for that one. Now this is just a compliance form. It's just basically to let you know we are keeping your tax file number secure and safe on file. And then do you have one after that? I still have to put my full name in here or just sign? I just signed. That that will do. Yes. Which should be added digitally for you. If you can you press and it might ask you to draw a I signature. there there's there's a is it okay? Because there's already a name here, but do I have to erase this one? Or Do you have to what? Sorry. because there's the my name is already in here. Yes. You just have to usually draw a little signature. But sometimes if you've already used a similar system, it could already prefill it, and then you could just press, like, next. I see that it's too small. Yeah. That's okay. Sometimes technology is a bit tricky as well. Yeah. It's Yeah.","start_word":2767,"end_word":3025,"sentiment":"neutral","sentiment_score":0.07242191541206422},{"text":"great Yeah.","start_word":3026,"end_word":3027,"sentiment":"positive","sentiment_score":0.3476005792617798},{"text":"when it works. But I'm using my I'm using my phone, That's okay. You take your and time it and and let me know if it's you hard get stuck. to sign. Yeah. Or do I have a wait. I did see. No. If I press the sign all, Yep. it will be sign all of the documents? Or Just just two. So just that tax file number and one more. And the other one, it is that ongoing service agreement. So that's the one you mentioned earlier as well that expired last time. But just so you know, that is just an ongoing service agreement just to say that you are happy to stay on as the client. Now the fee structure is not changing at all. It stays exactly the same at 1.65 from Super, so no changes, and it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So this lets us service your account and manage your investments and everything for you in until next time review. Yeah. I did already. Oh, perfect. And did it say validate? Yeah. It's it's just the the May 13. Okay. Yes.","start_word":3028,"end_word":3234,"sentiment":"neutral","sentiment_score":0.09564342349767684},{"text":"Beautiful. I have seen that come through on my end, so thank you so much for that. Now it is also saved to your account if you ever wanna go back and have a look through any of these documents.","start_word":3235,"end_word":3274,"sentiment":"positive","sentiment_score":0.4605983793735504},{"text":"If you get stuck, though, I always have a copy on file as well. So if it is that you want any of them at any point in time, I do have a digital copy for you. Now what I will It go it will through next. sorry. Yes? It it will be sent through my email, or it's already in my email? It should already be there. If not, when you are in there, it should it should already send you an email. If not, when you're in here, it should you should be able to say, like, download or something, Yeah. Yeah. and then you can download the documents as well. Yep. Okay. Yep. Yep. Now what I do wanna quickly run through with you before I let you go and enjoy the rest of your afternoon, it is just a bit of an updated fact find, and that is just to see if there's anything major that has changed in your life, if we need to make any any changes or anything else. Okay? So just bear with me as I go through this information. Okay? Yep. Yep.","start_word":3275,"end_word":3465,"sentiment":"neutral","sentiment_score":0.09905451555682726},{"text":"Perfect.","start_word":3466,"end_word":3466,"sentiment":"positive","sentiment_score":0.5048846006393433},{"text":"Now when it comes to your personal information, I have you down here as married with two children. Is that still the case? Yep.","start_word":3467,"end_word":3490,"sentiment":"neutral","sentiment_score":0.09207217395305634},{"text":"Perfect.","start_word":3491,"end_word":3491,"sentiment":"positive","sentiment_score":0.34727466106414795},{"text":"And as a next of kin, so if something ever were to happen to you, I have Melody nominated. That's still correct as well? Yes. Yeah. Perfect. Now when it comes to your work, has anything changed for you in the last twelve months, or are you still working as an auto technician? Yeah. Same. Same? Perfect. When it comes to your income, I have that down at about 75,000. Is that still the case as well, or did that change? I think it's still the same. Yeah. Still the same? Okay. And when it comes to assets, I have here that your property, last time we spoke, was valued at about 500,000. Do you know if that's roughly the same, or has that gone up a little bit? Yeah. I think it's gone up. Yeah. Do you know roughly what you think it will be worth? Maybe, like let me have a look. Sure. Maybe just around, like, less than 600, I think. Okay. So maybe, like, $5.50. Yeah. Yeah. Yeah. Just put it Yeah. $5.50. 5 Yeah. 50. Perfect. And I have here that the mortgage is around 365,000. Yeah. Yeah. That's right. Yep. Perfect. You also have a motor vehicle valued at about 30,000. Yep. And you don't have anything owing on that Yep. car, do you? No. It's already No. been paid off. Okay. Amazing. Now do you have any other assets in the last twelve months? Any other motor vehicles or boats or motorbikes or anything else? Yeah. Just just one for my daughter. Okay. And how much is that one valued at? It's only 5,500. 5,500. And nothing owing on that one either? No. No. No. It's been No. paid off. Okay.","start_word":3492,"end_word":3779,"sentiment":"neutral","sentiment_score":0.036371041658437915},{"text":"Perfect.","start_word":3780,"end_word":3780,"sentiment":"positive","sentiment_score":0.3924069404602051},{"text":"Anything else? Yeah. That's it. That's it.","start_word":3781,"end_word":3787,"sentiment":"neutral","sentiment_score":0.0946192815899849},{"text":"Perfect.","start_word":3788,"end_word":3788,"sentiment":"positive","sentiment_score":0.3598348796367645},{"text":"Now do you have any other liabilities, like personal loans or credit cards or anything? No. No. I don't I No. don't have No. one. No. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still correct as well? Yes. Still the same.","start_word":3789,"end_word":3841,"sentiment":"neutral","sentiment_score":0.006971546448767185},{"text":"Still Perfect.","start_word":3842,"end_word":3843,"sentiment":"positive","sentiment_score":0.3956417441368103},{"text":"correct.","start_word":3844,"end_word":3844,"sentiment":"neutral","sentiment_score":0.30070269107818604},{"text":"Perfect.","start_word":3845,"end_word":3845,"sentiment":"positive","sentiment_score":0.42599231004714966},{"text":"And have you had any changes to your health in the last twelve months? Any illnesses or injuries or any medication or anything? No. Nothing at all. No. No. That's really good. That's what we like to hear. And do you have private health insurance? Yes. Still with Yep. HVF. HD. And that's hospital and extras? Yeah. Yeah. Yep. Yep. Perfect. And lastly, when it comes to estate planning, do you have a will in place? Because I think last time we spoke, it was kind of on the Yeah. to do Yeah. list. Yeah. That's the one I'm I will do before the end of this year. Yeah. Okay. Yeah. So under a little to do list. And I do have here that for your super and your insurances, if anything ever were to happen to you, that you would like 50% to your wife and 22 25% each to your children. Is that correct Yep. as well? Yeah. That's correct. Okay.","start_word":3846,"end_word":4008,"sentiment":"neutral","sentiment_score":0.07115183770656586},{"text":"Amazing.","start_word":4009,"end_word":4009,"sentiment":"positive","sentiment_score":0.3734102249145508},{"text":"And are you do you are you involved directly in politics or anything like that or earn any income from overseas? Nah. No. Great. And the last thing I do wanted to check, which is usually a good thing to check-in during annual review time, is what you are kind of working towards or, you know, your goals for the next twelve months. So that next time when we do speak to you during annual review, we can kind of touch base to see if that's still the same or what you are working to or if anything has changed. So last time we spoke to you, you said that for the time being, your main focus or priority is to kinda pay down the mortgage, and that was kind of the main thing that you guys were working towards. Is that still the case? Yeah. It's still the same.","start_word":4010,"end_word":4159,"sentiment":"neutral","sentiment_score":0.10418050984541576},{"text":"Yeah. Perfect.","start_word":4160,"end_word":4161,"sentiment":"positive","sentiment_score":0.5531847476959229},{"text":"Do you have any other goals that you guys are working towards or or mainly just, like, the mortgage? Yeah. Yeah. Yeah. Mainly the mortgage.","start_word":4162,"end_word":4186,"sentiment":"neutral","sentiment_score":0.23731698095798492},{"text":"Just okay. Perfect. Now, Sonya, that was everything that I needed to kind of go through on my end with you today.","start_word":4187,"end_word":4208,"sentiment":"positive","sentiment_score":0.4217795431613922},{"text":"But before I let you go and enjoy your afternoon, do you have any other questions for me? I don't know if it's for you because, you Mhmm. know, the one I received no. Wait. Wait. Wait. I will check my email Yep. because I forgot to sign this off. That's okay. If it was the one that was sent a little while ago, that's okay. Yeah. You Yeah. don't Yeah. have The one to with you the the pay the the fee? where is it? Yeah. The payment for Yeah. what do you call this? The regarding about the yeah.","start_word":4209,"end_word":4309,"sentiment":"neutral","sentiment_score":0.01490605529397726},{"text":"My mind is not working.","start_word":4310,"end_word":4314,"sentiment":"negative","sentiment_score":-0.37908512353897095},{"text":"No. It's okay. Now I can see that that was my colleague who sent it before the call today. So it was around, like, the April 21. But you can just ignore that because that is the same one you just signed with me today. So Okay. you can just, yeah, you can just ignore that one. You don't have to do anything because that's the one I included today for you as well just to make it easy I so you don't have to sign through things. yes.","start_word":4315,"end_word":4403,"sentiment":"neutral","sentiment_score":0.1559533327817917},{"text":"That's good.","start_word":4404,"end_word":4405,"sentiment":"positive","sentiment_score":0.5582648515701294},{"text":"Yeah. Mhmm.","start_word":4406,"end_word":4407,"sentiment":"neutral","sentiment_score":0.17924386262893677},{"text":"Perfect.","start_word":4408,"end_word":4408,"sentiment":"positive","sentiment_score":0.33699512481689453},{"text":"Do you have any other questions otherwise? I I have one question. Regarding Yeah. with that, Yes. you know, the the wheel, where can I get it? Is it just on the Australia Coast or somewhere Yeah. So there yeah. It's a good question. There is a diff there's a couple of different ways depending on what you would like. Now we always say the most else? comprehensive way is to do it through a lawyer. That is the the best way, but we also understand that that's going to cost the most amount of money, and not everyone wants to pay for that. So as an alternative, what some people do, it is, like you said, a post office. So you can go to the post office, and they have, like, a will kit that you can complete yourself. The only thing with that I do wanna mention is that just read the instructions carefully and make sure you complete it correctly.","start_word":4409,"end_word":4571,"sentiment":"neutral","sentiment_score":0.07728383118755247},{"text":"So in the event that something were to happen, it's all kind of correct. And if you do decide to do it through the post office and if you would like us to keep a copy on file, like, with your insurances and super if something were to happen just so it doesn't get lost, you are more than welcome to email me a copy as well, and I can keep it on on file for you.","start_word":4572,"end_word":4648,"sentiment":"positive","sentiment_score":0.3661257922649383},{"text":"Yep. Yep. Last last one. Yes. Yes. If Of I'm course. going to go for, like, a lawyer, how much it will Yes? cost? Yeah. That is a good question. Let me get up. So each lawyer charges a little bit different depending on complexities and who they are. Now the one that we work closely with let me get it up for you, and I will give you the pricing of what they would charge. So if it's for a simple well for one person, they charge about $350. Okay. Now if you wanna nominate a power of attorney at the same time, it's another $3.50 or combined, it's $5.50. But they also do couples. So you can do, like, couple wheels for two people, and that's about $6.50 for for two. Okay. Would you like me to get the team to email you the brochure of the firm that we work with so you have the pricing and everything if you do decide that you would like to do it that way? Yeah. Yes, please.","start_word":4649,"end_word":4825,"sentiment":"neutral","sentiment_score":0.12014532834291458},{"text":"Yes. Perfect. Now I will get my team on to that. They have all finished for the day, so it might be tomorrow or later in the week.","start_word":4826,"end_word":4853,"sentiment":"positive","sentiment_score":0.5582934617996216},{"text":"But just keep a lookout for that email, and it will contain just some information in regards to wills and estate planning and also pricing so that you have that if you, you know, do decide that you would like to to do it that way. Yep. All Yep.","start_word":4854,"end_word":4902,"sentiment":"neutral","sentiment_score":0.2137371003627777},{"text":"good. Perfect. That is a good question, though.","start_word":4903,"end_word":4910,"sentiment":"positive","sentiment_score":0.6071556210517883},{"text":"But anything else I can help you with? Yeah. That's I think that's all for now. That's it. Okay. If you do think of anything or if there is any any other questions or anything else that you do need help with, don't hesitate to give me a call.","start_word":4911,"end_word":4959,"sentiment":"neutral","sentiment_score":0.21622392535209656},{"text":"We're always here if there is anything that you do need.","start_word":4960,"end_word":4970,"sentiment":"positive","sentiment_score":0.3710297346115112},{"text":"Yep.","start_word":4971,"end_word":4971,"sentiment":"neutral","sentiment_score":0.2764378488063812},{"text":"Thank you Yep. very much. Perfect. That's okay. Well, I will let you go and enjoy your afternoon. And like I said, anything that you need, just let me know. But, otherwise, it was lovely speaking with you this afternoon. Yep. All good. Thank you very much for your time. No problem at all. We'll speak soon.","start_word":4972,"end_word":5028,"sentiment":"positive","sentiment_score":0.6012897491455078},{"text":"Yeah. Bye. Okay. Bye.","start_word":5029,"end_word":5032,"sentiment":"neutral","sentiment_score":0.1870025247335434}],"average":{"sentiment":"neutral","sentiment_score":0.11641315322324454}}}}