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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Sure. And can I please get you to confirm your full name, date of birth, and address, please? Lovely. Thanks for that. And is it okay if I call you Indie? Lovely. Thank you. The purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options. Did you have time to do that now? Yeah? Beautiful. So, Indi, in your words, what is it that you're hoping to achieve by looking into this. Yeah. Mhmm. Yep. Yes. Yep. Yep. Yes. Yep. Yeah. Of course. Yeah. That's that's understandable. Yes. I yep. Yep. Yep. Okay. So that's all that's wonderful information. Thank you. I can definitely work with that. So with the private school, how much is the tuition per annum, and how long will that need to last? Yep. Yep. 1,200 per month. Yep. Yep. Okay. Per annum. So that's from year eight to year 12. Is that right? Okay. Okay. So if you said in your fifties, look at supplementing an income stream. To be a little bit more specific, what what age in your fifties? Yep. Yep. Six to eight years? Yep. 55? Okay. And you'd like to ease to part time, essentially? Well, have have the ability to if you want to. Yep. Okay. So on top of the school tuition, what what income would you need what amount of income would you need to supplement? Yep. 10,000 per month. And that would be the supplement of your income, or is that the total need? No. The yeah. No. I'm just clarifying what the 10,000 refers to. So that's the amount you need supplemented. Is that right? Yep. Yep. Okay. Fantastic. Alright. That's that's fine. I have got those figures written down. What I might do is I might just run through a quick overview of your of your personal and financial situation just to make sure I've got everything accurate. So are you still an area manager engineer? Yep. Okay. Still working full time? Yeah. Okay. And I've got your income here as $1.80. Is that correct? And you may get bonuses as well. Yep. That's okay. That's fine. And we have your principal place of residence valued at $1,125,000. Is that right? Yeah. And we have the debt recorded as 960,000. Is that accurate? Okay. And a car valued at 90 $4,000 with debt of the same amount. Yes. And a Latitude personal loan of 36,000, a Latitude credit card with an outstanding balance of 5,000, and a solar system loan of 10,000. 6,000. Okay. Wonderful. So when you transition into, say, at 55, is there an are you planning on having debts repaid? What what's your goals there? Or is it is does that 10,000 a month cover the the repayment of debts and maintain those? Mhmm. Yes. Mhmm. Yep. Okay. So you so you'll just continue to pay them the debts until they're yep. That's okay. Yeah. Of course. Yeah. Of course. Mhmm. Yep. Yeah. Of course. That makes sense. We can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month. Did you have what is your surplus cash flow that you can put into our portfolio? Yeah. Okay. Generally, when we look at an investment portfolio, there is a minimum initial investment that you do need to make. What position, what amount would that be for you? Because that can help us dictate what we recommend. No. That's okay. So when we look at an investment portfolio, there's usually an initial investment lump sum that needs to be made. Based on your current financial situation, what amount would you have the ability to contribute as an initial amount to have that set up. Okay. Okay. I will have a play with some figures with that. Yep. Okay. The other thing that I just wanted to probably raise is there's definitely a great plan in building a portfolio. What I would be interested in knowing from an advice perspective, so I can just run some figures to see what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it. The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to what the portfolio can realistically generate. So it might work out that we look at accelerating repayment on those, not your home. Your home's fine, but the other loans to free up more cash flow so that we can build the wealth that way. So I'd I'd really like to under does that make sense? Yeah. So because, you know, that could alleviate a a significant amount of cash flow for you each week or month that we can then use to build wealth. So if do you have that handy, or would you like me to send you an email post our meeting so I can of course. Yeah. Absolutely. I can do that. It's just a different a different approach that we look at as well. So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster. Are the cars in a lease? Okay. Yep. Okay. Alright. That's fine. We can do that. I'll still just get you to send me through the details of what the lease is and what it's costing. We also had you down as a high growth investor. Now typically with a high growth investor, with that being your risk profile, that's a 90% allocation to growth assets being your shares and property listed property and defensive asset exposure of 10% being your fixed interest and cash components of your portfolio. So in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand any negative returns, which in in a high growth portfolio, we statistically expect that to be one in every five years. So given that you've told me six to eight years to ease into retirement when we look at that, do you feel like a high growth approach is something you'd be comfortable taking with an investment portfolio, or would you look to downgrade that risk and have an allocation of, say, an eighty twenty split with a minimum time frame of six years for investment. Mhmm. Yes. Yes. Yep. Yes. What I'll do is when I send you that email asking for the details on those the the loans, I'll send through some information on risk profiles and different approaches as well so you've got that information to process and you wanted us to your portfolio? I note that you've got some insurances, I believe, with Cal. As they yeah. No. You go. That's absolutely fine. Yep. Yep. Yes. Okay. Mhmm. Mhmm. Mhmm. Absolutely. I think that's a great idea. I'm having a look at your cover now, and your life and TPD is sitting at around the 2,000,000 mark, which I sufficiently covers debt, but also provides financial security for your wife and your son should the worst happen. So that's probably something that we definite because with the default cover in your industry funds, I I suspect your wife has very minimal levels of cover. So that's something that we should definitely look at as well. Did she wanna look at her superannuation as well? It can definitely happen separately. Yeah. Yep. We can focus on the initial goals at the moment given her probably low levels of cover. And if anything, if the worst shall happen to her, that's essentially gonna leave you and your son in a a a bind, let's call it. So we can do that advice for your wife in conjunction with this once you've had a a conversation with her, but it doesn't need to occur in the same doc advice document. Yep. Yep. Mhmm. Mhmm. So your preservation to age to access super is presently 60, and the Centrelink age pension is 67 currently based and that's based on today's legislation. You know, things can change over time, but at the moment, those are the date the ages. Yes. That we can include in our projections because what we would take into account is not our projections, our calculations as to estimating that. Now, again, when we estimate it out, it's conservative and needs to be taken at a not a grain of salt, but it needs to be taken that it it is an estimation because market, as you you know, are volatile. But they're also given the time, they also recover. So it's it's understanding and having that comfort that we can we can estimate out what it's gonna look like. We can look at building a portfolio to supplement income. But I actually think probably one of the more before we even I know that building out a portfolio outside of super is probably your goal right now. If I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step. And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve. Yep. Yeah. Mhmm. Yeah. Yeah. No. It's yeah. Yeah. Absolutely. Absolutely. And just sorry. Just I just wanna clarify one other quick question. I think I did already, but I just wanna confirm. The $10,000 per month supplemented, does that exclude the private school income, or will it include that? I mean, fees. Sorry. Private school. Excludes. So we need plus. Yep. Okay. Fantastic. Yes. Mhmm. Mhmm. That's exactly Yes. That's exactly what I'm thinking in relation to yeah. I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've got your returns, and they're taxable. So the return in an investment portfolio, the return gonna be taxable to you. But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio. So, financially, it makes sense to reverse that, pay the debt, or consolidate it in a home loan with a potentially lesser interest rate, and then use that surplus cash flow to build wealth then to offset. So they're the they're the kind of things that I wanna have a look at and a play with before I even make any recommendations. But in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side and make sure that as a family, you're protected as well. Because I suspect her income protection probably doesn't cover her full wage is my my guess. Yeah. How much does she earn? Yeah. Yeah. So, yeah, the Australian Superfund's definitely not gonna cover her income protection. So if she wasn't able to work due to injury or illness, that puts a big spanner in the works in relation to achieving these these goals and objectives that you both wanna achieve. So we do really need to probably look at that sooner rather than later as well. Yep. Okay. Alright. So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through. It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play with some figures. What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct. And I may even need to phone you back just to ask a couple of clarifying questions. So if I do need to, what time of day is best for you? Yep. Yep. Of course. Wonderful. And if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like. Beautiful. Alright. Indeed, do you have any other questions for me today or anything that you need me to look at? Mhmm. Yep. No. No. We do it all for you. That's what you would engage us for, and that's what the fees would cover. We do it all for you. So then as part of your reviews that you do with super, the portfolio would also be included as well. Yep. Absolutely. I can definitely give you some information on that. Alright. Well, that was lovely. Thanks for speaking with me today, India. I appreciate it. And I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there. Thank you so much. Enjoy your day. 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morning. This is Jenniferning from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI'm very well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Sure. And can I please get you to confirm your full name, date of birth, and address, please?\n\nLovely. Thanks for that. And is it okay if I call you Indie? Lovely. Thank you.\n\nThe purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options. Did you have time to do that now? Yeah? Beautiful. So, Indi, in your words, what is it that you're hoping to achieve by looking into this.\n\nYeah. Mhmm. Yep. Yes. Yep.\n\nYep. Yes. Yep. Yeah. Of course.\n\nYeah. That's that's understandable. Yes. I yep. Yep.\n\nYep. Okay. So that's all that's wonderful information. Thank you. I can definitely work with that.\n\nSo with the private school, how much is the tuition per annum, and how long will that need to last? Yep. Yep. 1,200 per month. Yep.\n\nYep. Okay. Per annum. So that's from year eight to year 12. Is that right?\n\nOkay. Okay. So if you said in your fifties, look at supplementing an income stream. To be a little bit more specific, what what age in your fifties? Yep.\n\nYep. Six to eight years? Yep. 55? Okay.\n\nAnd you'd like to ease to part time, essentially? Well, have have the ability to if you want to. Yep. Okay. So on top of the school tuition, what what income would you need what amount of income would you need to supplement?\n\nYep. 10,000 per month. And that would be the supplement of your income, or is that the total need? No. The yeah.\n\nNo. I'm just clarifying what the 10,000 refers to. So that's the amount you need supplemented. Is that right? Yep.\n\nYep. Okay. Fantastic. Alright. That's that's fine.\n\nI have got those figures written down. What I might do is I might just run through a quick overview of your of your personal and financial situation just to make sure I've got everything accurate. So are you still an area manager engineer? Yep. Okay.\n\nStill working full time? Yeah. Okay. And I've got your income here as $1.80. Is that correct?\n\nAnd you may get bonuses as well. Yep. That's okay. That's fine. And we have your principal place of residence valued at $1,125,000.\n\nIs that right? Yeah. And we have the debt recorded as 960,000. Is that accurate? Okay.\n\nAnd a car valued at 90 $4,000 with debt of the same amount. Yes. And a Latitude personal loan of 36,000, a Latitude credit card with an outstanding balance of 5,000, and a solar system loan of 10,000. 6,000. Okay.\n\nWonderful. So when you transition into, say, at 55, is there an are you planning on having debts repaid? What what's your goals there? Or is it is does that 10,000 a month cover the the repayment of debts and maintain those? Mhmm.\n\nYes. Mhmm. Yep. Okay. So you so you'll just continue to pay them the debts until they're yep.\n\nThat's okay. Yeah. Of course. Yeah. Of course.\n\nMhmm. Yep. Yeah. Of course. That makes sense.\n\nWe can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month. Did you have what is your surplus cash flow that you can put into our portfolio? Yeah. Okay. Generally, when we look at an investment portfolio, there is a minimum initial investment that you do need to make.\n\nWhat position, what amount would that be for you? Because that can help us dictate what we recommend. No. That's okay. So when we look at an investment portfolio, there's usually an initial investment lump sum that needs to be made.\n\nBased on your current financial situation, what amount would you have the ability to contribute as an initial amount to have that set up. Okay. Okay. I will have a play with some figures with that. Yep.\n\nOkay. The other thing that I just wanted to probably raise is there's definitely a great plan in building a portfolio. What I would be interested in knowing from an advice perspective, so I can just run some figures to see what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it. The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to what the portfolio can realistically generate. So it might work out that we look at accelerating repayment on those, not your home.\n\nYour home's fine, but the other loans to free up more cash flow so that we can build the wealth that way. So I'd I'd really like to under does that make sense? Yeah. So because, you know, that could alleviate a a significant amount of cash flow for you each week or month that we can then use to build wealth. So if do you have that handy, or would you like me to send you an email post our meeting so I can of course.\n\nYeah. Absolutely. I can do that. It's just a different a different approach that we look at as well. So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster.\n\nAre the cars in a lease? Okay. Yep. Okay. Alright.\n\nThat's fine. We can do that. I'll still just get you to send me through the details of what the lease is and what it's costing. We also had you down as a high growth investor. Now typically with a high growth investor, with that being your risk profile, that's a 90% allocation to growth assets being your shares and property listed property and defensive asset exposure of 10% being your fixed interest and cash components of your portfolio.\n\nSo in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand any negative returns, which in in a high growth portfolio, we statistically expect that to be one in every five years. So given that you've told me six to eight years to ease into retirement when we look at that, do you feel like a high growth approach is something you'd be comfortable taking with an investment portfolio, or would you look to downgrade that risk and have an allocation of, say, an eighty twenty split with a minimum time frame of six years for investment. Mhmm. Yes. Yes.\n\nYep. Yes. What I'll do is when I send you that email asking for the details on those the the loans, I'll send through some information on risk profiles and different approaches as well so you've got that information to process and you wanted us to your portfolio? I note that you've got some insurances, I believe, with Cal. As they yeah.\n\nNo. You go. That's absolutely fine. Yep. Yep.\n\nYes. Okay. Mhmm. Mhmm. Mhmm.\n\nAbsolutely. I think that's a great idea. I'm having a look at your cover now, and your life and TPD is sitting at around the 2,000,000 mark, which I sufficiently covers debt, but also provides financial security for your wife and your son should the worst happen. So that's probably something that we definite because with the default cover in your industry funds, I I suspect your wife has very minimal levels of cover. So that's something that we should definitely look at as well.\n\nDid she wanna look at her superannuation as well? It can definitely happen separately. Yeah. Yep. We can focus on the initial goals at the moment given her probably low levels of cover.\n\nAnd if anything, if the worst shall happen to her, that's essentially gonna leave you and your son in a a a bind, let's call it. So we can do that advice for your wife in conjunction with this once you've had a a conversation with her, but it doesn't need to occur in the same doc advice document. Yep. Yep. Mhmm.\n\nMhmm. So your preservation to age to access super is presently 60, and the Centrelink age pension is 67 currently based and that's based on today's legislation. You know, things can change over time, but at the moment, those are the date the ages. Yes. That we can include in our projections because what we would take into account is not our projections, our calculations as to estimating that.\n\nNow, again, when we estimate it out, it's conservative and needs to be taken at a not a grain of salt, but it needs to be taken that it it is an estimation because market, as you you know, are volatile. But they're also given the time, they also recover. So it's it's understanding and having that comfort that we can we can estimate out what it's gonna look like. We can look at building a portfolio to supplement income. But I actually think probably one of the more before we even I know that building out a portfolio outside of super is probably your goal right now.\n\nIf I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step. And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve. Yep. Yeah. Mhmm.\n\nYeah. Yeah. No. It's yeah. Yeah.\n\nAbsolutely. Absolutely. And just sorry. Just I just wanna clarify one other quick question. I think I did already, but I just wanna confirm.\n\nThe $10,000 per month supplemented, does that exclude the private school income, or will it include that? I mean, fees. Sorry. Private school. Excludes.\n\nSo we need plus. Yep. Okay. Fantastic. Yes.\n\nMhmm. Mhmm. That's exactly Yes. That's exactly what I'm thinking in relation to yeah. I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've got your returns, and they're taxable.\n\nSo the return in an investment portfolio, the return gonna be taxable to you. But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio. So, financially, it makes sense to reverse that, pay the debt, or consolidate it in a home loan with a potentially lesser interest rate, and then use that surplus cash flow to build wealth then to offset. So they're the they're the kind of things that I wanna have a look at and a play with before I even make any recommendations. But in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side and make sure that as a family, you're protected as well.\n\nBecause I suspect her income protection probably doesn't cover her full wage is my my guess. Yeah. How much does she earn? Yeah. Yeah.\n\nSo, yeah, the Australian Superfund's definitely not gonna cover her income protection. So if she wasn't able to work due to injury or illness, that puts a big spanner in the works in relation to achieving these these goals and objectives that you both wanna achieve. So we do really need to probably look at that sooner rather than later as well. Yep. Okay.\n\nAlright. So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through. It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play with some figures. What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct. And I may even need to phone you back just to ask a couple of clarifying questions.\n\nSo if I do need to, what time of day is best for you? Yep. Yep. Of course. Wonderful.\n\nAnd if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like. Beautiful. Alright. Indeed, do you have any other questions for me today or anything that you need me to look at? Mhmm.\n\nYep. No. No. We do it all for you. That's what you would engage us for, and that's what the fees would cover.\n\nWe do it all for you. So then as part of your reviews that you do with super, the portfolio would also be included as well. Yep. Absolutely. I can definitely give you some information on that.\n\nAlright. Well, that was lovely. Thanks for speaking with me today, India. I appreciate it. And I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there.\n\nThank you so much. Enjoy your day. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.3053438514471054},{"text":"This is Jenniferning from Oakview Financial.","start":5.2,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.21750633915265402},{"text":"How are you today?","start":7.44,"end":8.42,"sentiment":"neutral","sentiment_score":0.24963781237602234},{"text":"I'm very well.","start":11.12,"end":12.24,"sentiment":"positive","sentiment_score":0.5237793425718943},{"text":"Thank you.","start":12.24,"end":12.799999,"sentiment":"positive","sentiment_score":0.6584418714046478}],"sentiment":"positive","sentiment_score":0.34132345634348255,"num_words":17,"start":4.56,"end":12.799999},{"sentences":[{"text":"I'm very well.","start":12.799999,"end":13.36,"sentiment":"positive","sentiment_score":0.5289813379446665},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.36,"end":19.465,"sentiment":"neutral","sentiment_score":0.0473213808853989},{"text":"Is that okay?","start":19.525,"end":20.425,"sentiment":"neutral","sentiment_score":0.052265544732411705},{"text":"Sure.","start":22.245,"end":22.745,"sentiment":"neutral","sentiment_score":0.0431220643222332},{"text":"And can I please get you to confirm your full name, date of birth, and address, please?","start":23.045,"end":29.22,"sentiment":"neutral","sentiment_score":0.036501828252392655}],"sentiment":"neutral","sentiment_score":0.07437841602145358,"num_words":47,"start":12.799999,"end":29.22},{"sentences":[{"text":"Lovely.","start":37.46,"end":37.86,"sentiment":"positive","sentiment_score":0.39830249547958374},{"text":"Thanks for that.","start":37.86,"end":38.579998,"sentiment":"positive","sentiment_score":0.5054986874262491},{"text":"And is it okay if I call you Indie?","start":38.579998,"end":40.52,"sentiment":"neutral","sentiment_score":0.0950717106461525},{"text":"Lovely.","start":42.579998,"end":43.079998,"sentiment":"positive","sentiment_score":0.4244018793106079},{"text":"Thank you.","start":43.22,"end":43.96,"sentiment":"positive","sentiment_score":0.4478166699409485}],"sentiment":"neutral","sentiment_score":0.25565494829788804,"num_words":16,"start":37.46,"end":43.96},{"sentences":[{"text":"The purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options.","start":44.325,"end":58.5,"sentiment":"neutral","sentiment_score":0.11529547576942752},{"text":"Did you have time to do that now?","start":58.5,"end":60.36,"sentiment":"neutral","sentiment_score":0.075521320104599},{"text":"Yeah?","start":62.34,"end":62.84,"sentiment":"neutral","sentiment_score":0.094897523522377},{"text":"Beautiful.","start":62.9,"end":63.4,"sentiment":"positive","sentiment_score":0.3681370615959167},{"text":"So, Indi, in your words, what is it that you're hoping to achieve by looking into this.","start":63.780003,"end":74.625,"sentiment":"neutral","sentiment_score":0.1139496042228797}],"sentiment":"neutral","sentiment_score":0.11342255459648781,"num_words":58,"start":44.325,"end":74.625},{"sentences":[{"text":"Yeah.","start":74.625,"end":75.125,"sentiment":"neutral","sentiment_score":0.051254890859127045},{"text":"Mhmm.","start":100.3,"end":100.515,"sentiment":"neutral","sentiment_score":0.009444287046790125},{"text":"Yep.","start":110.915,"end":111.415,"sentiment":"neutral","sentiment_score":0.03400392830371857},{"text":"Yes.","start":113.91,"end":114.41,"sentiment":"neutral","sentiment_score":0.07890963554382324},{"text":"Yep.","start":116.07001,"end":116.57001,"sentiment":"neutral","sentiment_score":0.04742519557476044}],"sentiment":"neutral","sentiment_score":0.044207587465643884,"num_words":5,"start":74.625,"end":116.57001},{"sentences":[{"text":"Yep.","start":124.310005,"end":124.810005,"sentiment":"neutral","sentiment_score":0.05309881269931793},{"text":"Yes.","start":137.605,"end":138.105,"sentiment":"neutral","sentiment_score":-0.028730470687150955},{"text":"Yep.","start":138.16501,"end":138.39,"sentiment":"neutral","sentiment_score":-0.1375832557678223},{"text":"Yeah.","start":152.39,"end":152.865,"sentiment":"neutral","sentiment_score":0.13827374577522278},{"text":"Of course.","start":152.865,"end":153.52501,"sentiment":"neutral","sentiment_score":0.1922895461320877}],"sentiment":"neutral","sentiment_score":0.06827298738062382,"num_words":6,"start":124.310005,"end":153.52501},{"sentences":[{"text":"Yeah.","start":158.38501,"end":158.88501,"sentiment":"neutral","sentiment_score":0.14376714825630188},{"text":"That's that's understandable.","start":158.945,"end":159.925,"sentiment":"neutral","sentiment_score":0.16643965740998587},{"text":"Yes.","start":160.38501,"end":160.88501,"sentiment":"neutral","sentiment_score":0.15459901094436646},{"text":"I yep.","start":161.905,"end":167.64,"sentiment":"neutral","sentiment_score":0.1112031638622284},{"text":"Yep.","start":174.28,"end":174.78,"sentiment":"neutral","sentiment_score":0.1988041251897812}],"sentiment":"neutral","sentiment_score":0.152361948043108,"num_words":8,"start":158.38501,"end":174.78},{"sentences":[{"text":"Yep.","start":185.815,"end":186.315,"sentiment":"neutral","sentiment_score":0.19602070748806},{"text":"Okay.","start":195.015,"end":195.39,"sentiment":"positive","sentiment_score":0.41747909784317017},{"text":"So that's all that's wonderful information.","start":195.95,"end":199.70999,"sentiment":"positive","sentiment_score":0.6148441781600317},{"text":"Thank you.","start":199.70999,"end":200.19,"sentiment":"positive","sentiment_score":0.7631640732288361},{"text":"I can definitely work with that.","start":200.19,"end":201.89,"sentiment":"positive","sentiment_score":0.6428431073824564}],"sentiment":"positive","sentiment_score":0.6053719790652394,"num_words":16,"start":185.815,"end":201.89},{"sentences":[{"text":"So with the private school, how much is the tuition per annum, and how long will that need to last?","start":201.95,"end":214.47499,"sentiment":"neutral","sentiment_score":0.06267587202601135},{"text":"Yep.","start":214.47499,"end":214.955,"sentiment":"neutral","sentiment_score":0.010692013427615166},{"text":"Yep.","start":214.955,"end":215.455,"sentiment":"neutral","sentiment_score":0.008803009986877441},{"text":"1,200 per month.","start":223.69,"end":225.39,"sentiment":"neutral","sentiment_score":-0.002434450201690197},{"text":"Yep.","start":226.65,"end":227.15,"sentiment":"neutral","sentiment_score":0.0224157627671957}],"sentiment":"neutral","sentiment_score":0.049543264465263255,"num_words":26,"start":201.95,"end":227.15},{"sentences":[{"text":"Yep.","start":233.29,"end":233.595,"sentiment":"neutral","sentiment_score":0.02060988172888756},{"text":"Okay.","start":241.035,"end":241.535,"sentiment":"neutral","sentiment_score":0.015700355172157288},{"text":"Per annum.","start":241.675,"end":242.315,"sentiment":"neutral","sentiment_score":0.008933058474212885},{"text":"So that's from year eight to year 12.","start":242.315,"end":244.315,"sentiment":"neutral","sentiment_score":0.022740460466593504},{"text":"Is that right?","start":244.315,"end":245.135,"sentiment":"neutral","sentiment_score":0.02747511180738608}],"sentiment":"neutral","sentiment_score":0.021235024866958458,"num_words":15,"start":233.29,"end":245.135},{"sentences":[{"text":"Okay.","start":245.755,"end":246.255,"sentiment":"neutral","sentiment_score":0.023983361199498177},{"text":"Okay.","start":246.795,"end":247.295,"sentiment":"neutral","sentiment_score":0.022897953167557716},{"text":"So if you said in your fifties, look at supplementing an income stream.","start":247.59001,"end":252.81001,"sentiment":"neutral","sentiment_score":0.03738781179373081},{"text":"To be a little bit more specific, what what age in your fifties?","start":254.23001,"end":259.05002,"sentiment":"neutral","sentiment_score":0.006003338413742872},{"text":"Yep.","start":263.465,"end":263.94498,"sentiment":"neutral","sentiment_score":0.015339198522269726}],"sentiment":"neutral","sentiment_score":0.02159674019263736,"num_words":29,"start":245.755,"end":263.94498},{"sentences":[{"text":"Yep.","start":263.94498,"end":264.44498,"sentiment":"neutral","sentiment_score":0.016819186508655548},{"text":"Six to eight years?","start":268.985,"end":270.04498,"sentiment":"neutral","sentiment_score":0.006951839895918965},{"text":"Yep.","start":274.10498,"end":274.345,"sentiment":"neutral","sentiment_score":0.028210101649165154},{"text":"55?","start":274.345,"end":275.16498,"sentiment":"neutral","sentiment_score":0.015509465709328651},{"text":"Okay.","start":277.625,"end":277.94498,"sentiment":"neutral","sentiment_score":0.0737161785364151}],"sentiment":"neutral","sentiment_score":0.02025778649840504,"num_words":8,"start":263.94498,"end":277.94498},{"sentences":[{"text":"And you'd like to ease to part time, essentially?","start":277.94498,"end":281.46,"sentiment":"neutral","sentiment_score":0.10160487559106615},{"text":"Well, have have the ability to if you want to.","start":283.84,"end":288.82,"sentiment":"neutral","sentiment_score":0.07121977768838406},{"text":"Yep.","start":290.08,"end":290.58,"sentiment":"neutral","sentiment_score":0.08090713620185852},{"text":"Okay.","start":290.8,"end":291.3,"sentiment":"neutral","sentiment_score":0.05092966929078102},{"text":"So on top of the school tuition, what what income would you need what amount of income would you need to supplement?","start":291.44,"end":304.385,"sentiment":"neutral","sentiment_score":0.021408801136369057}],"sentiment":"neutral","sentiment_score":0.051848188085958015,"num_words":43,"start":277.94498,"end":304.385},{"sentences":[{"text":"Yep.","start":324.905,"end":325.405,"sentiment":"neutral","sentiment_score":0.009565526619553566},{"text":"10,000 per month.","start":336.2,"end":337.58002,"sentiment":"neutral","sentiment_score":0.004402509580055873},{"text":"And that would be the supplement of your income, or is that the total need?","start":338.2,"end":343.485,"sentiment":"neutral","sentiment_score":0.007721729762852192},{"text":"No.","start":348.60498,"end":348.84497,"sentiment":"neutral","sentiment_score":-0.043368689715862274},{"text":"The yeah.","start":348.84497,"end":349.72498,"sentiment":"neutral","sentiment_score":-0.032701680436730385}],"sentiment":"neutral","sentiment_score":0.0013557705096900463,"num_words":22,"start":324.905,"end":349.72498},{"sentences":[{"text":"No.","start":349.72498,"end":349.965,"sentiment":"neutral","sentiment_score":-0.06105877831578255},{"text":"I'm just clarifying what the 10,000 refers to.","start":349.965,"end":352.76498,"sentiment":"neutral","sentiment_score":-0.03529919893480837},{"text":"So that's the amount you need supplemented.","start":352.76498,"end":354.54498,"sentiment":"neutral","sentiment_score":-0.006348049966618419},{"text":"Is that right?","start":354.76498,"end":355.66498,"sentiment":"neutral","sentiment_score":0.008735174002746742},{"text":"Yep.","start":357.405,"end":357.66,"sentiment":"neutral","sentiment_score":0.010846806690096855}],"sentiment":"neutral","sentiment_score":-0.01754181954311207,"num_words":20,"start":349.72498,"end":357.66},{"sentences":[{"text":"Yep.","start":361.34,"end":361.74,"sentiment":"neutral","sentiment_score":0.0956646203994751},{"text":"Okay.","start":361.74,"end":362.24,"sentiment":"neutral","sentiment_score":0.31019413471221924},{"text":"Fantastic.","start":362.30002,"end":362.80002,"sentiment":"positive","sentiment_score":0.5911108255386353},{"text":"Alright.","start":363.26,"end":363.74,"sentiment":"positive","sentiment_score":0.42259153723716736},{"text":"That's that's fine.","start":363.74,"end":366.08002,"sentiment":"positive","sentiment_score":0.4080001910527547}],"sentiment":"positive","sentiment_score":0.37765167014939444,"num_words":7,"start":361.34,"end":366.08002},{"sentences":[{"text":"I have got those figures written down.","start":366.14,"end":368.32,"sentiment":"neutral","sentiment_score":0.2648620073284422},{"text":"What I might do is I might just run through a quick overview of your of your personal and financial situation just to make sure I've got everything accurate.","start":370.505,"end":386.22,"sentiment":"neutral","sentiment_score":0.18708379566669464},{"text":"So are you still an area manager engineer?","start":386.36002,"end":391.1,"sentiment":"neutral","sentiment_score":0.030956550501286983},{"text":"Yep.","start":392.2,"end":392.7,"sentiment":"neutral","sentiment_score":0.029481083154678345},{"text":"Okay.","start":393.24002,"end":393.74002,"sentiment":"neutral","sentiment_score":0.037831228226423264}],"sentiment":"neutral","sentiment_score":0.1650962791527095,"num_words":46,"start":366.14,"end":393.74002},{"sentences":[{"text":"Still working full time?","start":394.6,"end":396.06,"sentiment":"neutral","sentiment_score":0.05625183321535587},{"text":"Yeah.","start":397.72,"end":398.085,"sentiment":"neutral","sentiment_score":0.049057453870773315},{"text":"Okay.","start":398.32498,"end":398.82498,"sentiment":"neutral","sentiment_score":0.06182403117418289},{"text":"And I've got your income here as $1.80.","start":398.965,"end":402.26498,"sentiment":"neutral","sentiment_score":0.08510041236877441},{"text":"Is that correct?","start":402.485,"end":403.38498,"sentiment":"neutral","sentiment_score":0.0840548649430275}],"sentiment":"neutral","sentiment_score":0.07463863009915632,"num_words":17,"start":394.6,"end":403.38498},{"sentences":[{"text":"And you may get bonuses as well.","start":405.205,"end":407.38498,"sentiment":"neutral","sentiment_score":0.16483247705868312},{"text":"Yep.","start":413.685,"end":413.91,"sentiment":"neutral","sentiment_score":-0.039412856101989746},{"text":"That's okay.","start":417.91,"end":418.71,"sentiment":"neutral","sentiment_score":0.19846907258033752},{"text":"That's fine.","start":418.71,"end":419.53,"sentiment":"neutral","sentiment_score":0.29285162687301636},{"text":"And we have your principal place of residence valued at $1,125,000.","start":419.91,"end":428.705,"sentiment":"neutral","sentiment_score":0.134524598040364}],"sentiment":"neutral","sentiment_score":0.15551419394171756,"num_words":23,"start":405.205,"end":428.705},{"sentences":[{"text":"Is that right?","start":428.705,"end":429.525,"sentiment":"neutral","sentiment_score":0.10722009092569351},{"text":"Yeah.","start":433.185,"end":433.685,"sentiment":"neutral","sentiment_score":0.0705261304974556},{"text":"And we have the debt recorded as 960,000.","start":434.305,"end":438.385,"sentiment":"neutral","sentiment_score":0.023230576131027192},{"text":"Is that accurate?","start":438.385,"end":439.32,"sentiment":"neutral","sentiment_score":0.025662047788500786},{"text":"Okay.","start":447.0,"end":447.5,"sentiment":"neutral","sentiment_score":0.03079331666231155}],"sentiment":"neutral","sentiment_score":0.042863154521910474,"num_words":16,"start":428.705,"end":447.5},{"sentences":[{"text":"And a car valued at 90 $4,000 with debt of the same amount.","start":448.04,"end":453.135,"sentiment":"neutral","sentiment_score":0.03364205518021034},{"text":"Yes.","start":455.835,"end":456.335,"sentiment":"neutral","sentiment_score":0.08934155851602554},{"text":"And a Latitude personal loan of 36,000, a Latitude credit card with an outstanding balance of 5,000, and a solar system loan of 10,000.","start":456.635,"end":471.93,"sentiment":"neutral","sentiment_score":0.12713041451449195},{"text":"6,000.","start":476.94998,"end":477.77,"sentiment":"neutral","sentiment_score":0.12041103839874268},{"text":"Okay.","start":477.83,"end":478.33,"sentiment":"positive","sentiment_score":0.5685458183288574}],"sentiment":"neutral","sentiment_score":0.10666937702335418,"num_words":40,"start":448.04,"end":478.33},{"sentences":[{"text":"Wonderful.","start":479.11,"end":479.595,"sentiment":"positive","sentiment_score":0.7487010359764099},{"text":"So when you transition into, say, at 55, is there an are you planning on having debts repaid?","start":480.795,"end":489.215,"sentiment":"neutral","sentiment_score":0.17051627776689},{"text":"What what's your goals there?","start":490.315,"end":492.075,"sentiment":"neutral","sentiment_score":0.0854665219783783},{"text":"Or is it is does that 10,000 a month cover the the repayment of debts and maintain those?","start":492.075,"end":499.12997,"sentiment":"neutral","sentiment_score":0.08348455300761594},{"text":"Mhmm.","start":519.125,"end":519.625,"sentiment":"neutral","sentiment_score":0.05279453098773956}],"sentiment":"neutral","sentiment_score":0.1349033286231895,"num_words":43,"start":479.11,"end":519.625},{"sentences":[{"text":"Yes.","start":521.205,"end":521.61,"sentiment":"neutral","sentiment_score":0.11127866804599762},{"text":"Mhmm.","start":533.52997,"end":533.805,"sentiment":"neutral","sentiment_score":0.052153825759887695},{"text":"Yep.","start":534.765,"end":535.265,"sentiment":"neutral","sentiment_score":0.05991362780332565},{"text":"Okay.","start":535.325,"end":535.825,"sentiment":"neutral","sentiment_score":0.06160137429833412},{"text":"So you so you'll just continue to pay them the debts until they're yep.","start":536.045,"end":541.725,"sentiment":"neutral","sentiment_score":0.03773046793815281}],"sentiment":"neutral","sentiment_score":0.045176335946760245,"num_words":18,"start":521.205,"end":541.725},{"sentences":[{"text":"That's okay.","start":541.725,"end":542.875,"sentiment":"neutral","sentiment_score":0.04719258286058903},{"text":"Yeah.","start":549.82,"end":550.22003,"sentiment":"neutral","sentiment_score":0.07370409369468689},{"text":"Of course.","start":550.22003,"end":550.88,"sentiment":"neutral","sentiment_score":0.08730968087911606},{"text":"Yeah.","start":551.10004,"end":551.42,"sentiment":"neutral","sentiment_score":0.10401132702827454},{"text":"Of course.","start":551.42,"end":552.08,"sentiment":"neutral","sentiment_score":0.11456520110368729}],"sentiment":"neutral","sentiment_score":0.08448129380121827,"num_words":8,"start":541.725,"end":552.08},{"sentences":[{"text":"Mhmm.","start":559.755,"end":560.255,"sentiment":"neutral","sentiment_score":0.0858575627207756},{"text":"Yep.","start":564.875,"end":565.375,"sentiment":"neutral","sentiment_score":0.15488532185554504},{"text":"Yeah.","start":569.995,"end":570.395,"sentiment":"neutral","sentiment_score":0.15886080265045166},{"text":"Of course.","start":570.395,"end":570.875,"sentiment":"neutral","sentiment_score":0.17279649525880814},{"text":"That makes sense.","start":570.875,"end":571.855,"sentiment":"neutral","sentiment_score":0.1772036018470923}],"sentiment":"neutral","sentiment_score":0.1596009354107082,"num_words":8,"start":559.755,"end":571.855},{"sentences":[{"text":"We can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month.","start":572.97003,"end":584.59,"sentiment":"positive","sentiment_score":0.7172509133815765},{"text":"Did you have what is your surplus cash flow that you can put into our portfolio?","start":585.13,"end":593.57495,"sentiment":"neutral","sentiment_score":0.1578224771656096},{"text":"Yeah.","start":617.425,"end":617.925,"sentiment":"neutral","sentiment_score":0.16922885179519653},{"text":"Okay.","start":619.025,"end":619.525,"sentiment":"neutral","sentiment_score":0.16513293981552124},{"text":"Generally, when we look at an investment portfolio, there is a minimum initial investment that you do need to make.","start":619.825,"end":626.325,"sentiment":"neutral","sentiment_score":0.09756044074892997}],"sentiment":"positive","sentiment_score":0.36655084358062595,"num_words":64,"start":572.97003,"end":626.325},{"sentences":[{"text":"What position, what amount would that be for you?","start":626.625,"end":629.63995,"sentiment":"neutral","sentiment_score":0.11946163657638761},{"text":"Because that can help us dictate what we recommend.","start":629.63995,"end":632.22,"sentiment":"neutral","sentiment_score":0.20880521916680866},{"text":"No.","start":636.92,"end":637.16,"sentiment":"neutral","sentiment_score":-0.11162737011909483},{"text":"That's okay.","start":637.16,"end":637.88,"sentiment":"neutral","sentiment_score":-0.0068390388041734695},{"text":"So when we look at an investment portfolio, there's usually an initial investment lump sum that needs to be made.","start":637.88,"end":645.105,"sentiment":"neutral","sentiment_score":0.02949968194589019}],"sentiment":"neutral","sentiment_score":0.08339243641168606,"num_words":41,"start":626.625,"end":645.105},{"sentences":[{"text":"Based on your current financial situation, what amount would you have the ability to contribute as an initial amount to have that set up.","start":645.56494,"end":657.11,"sentiment":"neutral","sentiment_score":0.09572708047926426},{"text":"Okay.","start":664.37,"end":664.87,"sentiment":"neutral","sentiment_score":-0.10684583336114883},{"text":"Okay.","start":668.93,"end":669.43,"sentiment":"neutral","sentiment_score":0.0471297986805439},{"text":"I will have a play with some figures with that.","start":670.05,"end":674.055,"sentiment":"neutral","sentiment_score":0.04224013164639473},{"text":"Yep.","start":674.51495,"end":675.01495,"sentiment":"neutral","sentiment_score":0.15921109914779663}],"sentiment":"neutral","sentiment_score":0.07619854898468868,"num_words":37,"start":645.56494,"end":675.01495},{"sentences":[{"text":"Okay.","start":685.39496,"end":685.89496,"sentiment":"positive","sentiment_score":0.3682541251182556},{"text":"The other thing that I just wanted to probably raise is there's definitely a great plan in building a portfolio.","start":687.75,"end":699.13,"sentiment":"positive","sentiment_score":0.5773304641246796},{"text":"What I would be interested in knowing from an advice perspective, so I can just run some figures to see what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it.","start":700.07,"end":724.12994,"sentiment":"neutral","sentiment_score":0.04052686023597534},{"text":"The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to what the portfolio can realistically generate.","start":724.26996,"end":744.275,"sentiment":"neutral","sentiment_score":0.011768877212154237},{"text":"So it might work out that we look at accelerating repayment on those, not your home.","start":744.655,"end":751.8,"sentiment":"neutral","sentiment_score":0.09241976356133819}],"sentiment":"neutral","sentiment_score":0.11767887767138226,"num_words":140,"start":685.39496,"end":751.8},{"sentences":[{"text":"Your home's fine, but the other loans to free up more cash flow so that we can build the wealth that way.","start":751.8,"end":761.98,"sentiment":"positive","sentiment_score":0.34459679235111584},{"text":"So I'd I'd really like to under does that make sense?","start":762.255,"end":765.395,"sentiment":"neutral","sentiment_score":0.0856211476705291},{"text":"Yeah.","start":766.815,"end":767.315,"sentiment":"positive","sentiment_score":0.3682114779949188},{"text":"So because, you know, that could alleviate a a significant amount of cash flow for you each week or month that we can then use to build wealth.","start":767.615,"end":777.0,"sentiment":"positive","sentiment_score":0.49381777005536215},{"text":"So if do you have that handy, or would you like me to send you an email post our meeting so I can of course.","start":777.56,"end":790.875,"sentiment":"neutral","sentiment_score":0.11729463458061218}],"sentiment":"neutral","sentiment_score":0.2948326087374797,"num_words":87,"start":751.8,"end":790.875},{"sentences":[{"text":"Yeah.","start":793.035,"end":793.435,"sentiment":"neutral","sentiment_score":0.23218934237957},{"text":"Absolutely.","start":793.435,"end":793.935,"sentiment":"positive","sentiment_score":0.4311021566390991},{"text":"I can do that.","start":793.995,"end":795.055,"sentiment":"positive","sentiment_score":0.3846486136317253},{"text":"It's just a different a different approach that we look at as well.","start":795.995,"end":801.115,"sentiment":"neutral","sentiment_score":0.12154396394124398},{"text":"So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster.","start":801.115,"end":808.00995,"sentiment":"positive","sentiment_score":0.33904175799001346}],"sentiment":"neutral","sentiment_score":0.2741677112332204,"num_words":41,"start":793.035,"end":808.00995},{"sentences":[{"text":"Are the cars in a lease?","start":814.47,"end":815.85,"sentiment":"neutral","sentiment_score":0.008545936085283756},{"text":"Okay.","start":816.79,"end":817.065,"sentiment":"neutral","sentiment_score":0.05262485891580582},{"text":"Yep.","start":818.105,"end":818.505,"sentiment":"neutral","sentiment_score":0.08947210013866425},{"text":"Okay.","start":818.505,"end":819.005,"sentiment":"neutral","sentiment_score":0.1209906041622162},{"text":"Alright.","start":819.065,"end":819.385,"sentiment":"neutral","sentiment_score":0.21096311509609225}],"sentiment":"neutral","sentiment_score":0.0525326294824481,"num_words":10,"start":814.47,"end":819.385},{"sentences":[{"text":"That's fine.","start":819.385,"end":819.945,"sentiment":"neutral","sentiment_score":0.30060383677482605},{"text":"We can do that.","start":819.945,"end":820.665,"sentiment":"positive","sentiment_score":0.3781091943383217},{"text":"I'll still just get you to send me through the details of what the lease is and what it's costing.","start":820.665,"end":825.405,"sentiment":"neutral","sentiment_score":0.1931774966418743},{"text":"We also had you down as a high growth investor.","start":827.705,"end":831.77997,"sentiment":"neutral","sentiment_score":-0.18225634805858135},{"text":"Now typically with a high growth investor, with that being your risk profile, that's a 90% allocation to growth assets being your shares and property listed property and defensive asset exposure of 10% being your fixed interest and cash components of your portfolio.","start":834.88,"end":852.585,"sentiment":"neutral","sentiment_score":0.10709259312513263}],"sentiment":"neutral","sentiment_score":0.1108811697156369,"num_words":79,"start":819.385,"end":852.585},{"sentences":[{"text":"So in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand any negative returns, which in in a high growth portfolio, we statistically expect that to be one in every five years.","start":852.585,"end":886.84,"sentiment":"neutral","sentiment_score":-0.00577789659098703},{"text":"So given that you've told me six to eight years to ease into retirement when we look at that, do you feel like a high growth approach is something you'd be comfortable taking with an investment portfolio, or would you look to downgrade that risk and have an allocation of, say, an eighty twenty split with a minimum time frame of six years for investment.","start":886.84,"end":918.56,"sentiment":"neutral","sentiment_score":0.0856067457021429},{"text":"Mhmm.","start":918.7,"end":919.2,"sentiment":"neutral","sentiment_score":0.026663172990083694},{"text":"Yes.","start":930.07495,"end":930.57495,"sentiment":"neutral","sentiment_score":-0.008965708315372467},{"text":"Yes.","start":937.54,"end":938.04,"sentiment":"neutral","sentiment_score":0.025893881916999817}],"sentiment":"neutral","sentiment_score":0.04551207593395414,"num_words":117,"start":852.585,"end":938.04},{"sentences":[{"text":"Yep.","start":947.06,"end":947.56,"sentiment":"neutral","sentiment_score":0.011131334118545055},{"text":"Yes.","start":952.26,"end":952.76,"sentiment":"neutral","sentiment_score":0.09010642766952516},{"text":"What I'll do is when I send you that email asking for the details on those the the loans, I'll send through some information on risk profiles and different approaches as well so you've got that information to process and you wanted us to your portfolio?","start":952.895,"end":981.235,"sentiment":"neutral","sentiment_score":0.10099698157738084},{"text":"I note that you've got some insurances, I believe, with Cal.","start":982.095,"end":987.315,"sentiment":"neutral","sentiment_score":0.010837905489924278},{"text":"As they yeah.","start":988.735,"end":991.235,"sentiment":"neutral","sentiment_score":-0.015372456361850103}],"sentiment":"neutral","sentiment_score":0.07774513718792267,"num_words":62,"start":947.06,"end":991.235},{"sentences":[{"text":"No.","start":991.375,"end":991.875,"sentiment":"neutral","sentiment_score":-0.07141774147748947},{"text":"You go.","start":991.92,"end":992.39996,"sentiment":"neutral","sentiment_score":-0.033416173653677106},{"text":"That's absolutely fine.","start":992.39996,"end":1006.115,"sentiment":"positive","sentiment_score":0.4089839259783427},{"text":"Yep.","start":1006.115,"end":1006.365,"sentiment":"neutral","sentiment_score":0.23797297477722168},{"text":"Yep.","start":1006.365,"end":1006.865,"sentiment":"neutral","sentiment_score":0.09013905376195908}],"sentiment":"neutral","sentiment_score":0.17710171471117064,"num_words":8,"start":991.375,"end":1006.865},{"sentences":[{"text":"Yes.","start":1016.365,"end":1016.845,"sentiment":"neutral","sentiment_score":0.07874840497970581},{"text":"Okay.","start":1016.845,"end":1017.345,"sentiment":"neutral","sentiment_score":0.05451256036758423},{"text":"Mhmm.","start":1022.7,"end":1023.2,"sentiment":"neutral","sentiment_score":0.05180462449789047},{"text":"Mhmm.","start":1025.18,"end":1025.68,"sentiment":"neutral","sentiment_score":0.06102198362350464},{"text":"Mhmm.","start":1034.265,"end":1034.765,"sentiment":"neutral","sentiment_score":0.06898878514766693}],"sentiment":"neutral","sentiment_score":0.06301527172327041,"num_words":5,"start":1016.365,"end":1034.765},{"sentences":[{"text":"Absolutely.","start":1038.265,"end":1038.765,"sentiment":"positive","sentiment_score":0.5167199373245239},{"text":"I think that's a great idea.","start":1039.145,"end":1040.345,"sentiment":"positive","sentiment_score":0.6789109508196512},{"text":"I'm having a look at your cover now, and your life and TPD is sitting at around the 2,000,000 mark, which I sufficiently covers debt, but also provides financial security for your wife and your son should the worst happen.","start":1040.345,"end":1055.3401,"sentiment":"neutral","sentiment_score":0.2527652751654387},{"text":"So that's probably something that we definite because with the default cover in your industry funds, I I suspect your wife has very minimal levels of cover.","start":1055.72,"end":1064.945,"sentiment":"neutral","sentiment_score":-0.17787910721920155},{"text":"So that's something that we should definitely look at as well.","start":1065.565,"end":1070.3049,"sentiment":"neutral","sentiment_score":0.09533182836391708}],"sentiment":"neutral","sentiment_score":0.1287848337169956,"num_words":85,"start":1038.265,"end":1070.3049},{"sentences":[{"text":"Did she wanna look at her superannuation as well?","start":1070.6849,"end":1073.34,"sentiment":"neutral","sentiment_score":0.021986009346114263},{"text":"It can definitely happen separately.","start":1087.34,"end":1089.475,"sentiment":"neutral","sentiment_score":-0.030249061062932014},{"text":"Yeah.","start":1089.475,"end":1089.975,"sentiment":"neutral","sentiment_score":0.004797656089067459},{"text":"Yep.","start":1090.5149,"end":1090.9149,"sentiment":"neutral","sentiment_score":0.0014856408815830946},{"text":"We can focus on the initial goals at the moment given her probably low levels of cover.","start":1090.9149,"end":1100.995,"sentiment":"neutral","sentiment_score":-0.028550511773894813}],"sentiment":"neutral","sentiment_score":-0.013104443163187667,"num_words":33,"start":1070.6849,"end":1100.995},{"sentences":[{"text":"And if anything, if the worst shall happen to her, that's essentially gonna leave you and your son in a a a bind, let's call it.","start":1100.995,"end":1109.85,"sentiment":"neutral","sentiment_score":-0.29884882213977665},{"text":"So we can do that advice for your wife in conjunction with this once you've had a a conversation with her, but it doesn't need to occur in the same doc advice document.","start":1110.55,"end":1121.5851,"sentiment":"neutral","sentiment_score":0.1708732167202415},{"text":"Yep.","start":1123.4851,"end":1123.9851,"sentiment":"positive","sentiment_score":0.3536393642425537},{"text":"Yep.","start":1129.9651,"end":1130.4651,"sentiment":"neutral","sentiment_score":0.2234266698360443},{"text":"Mhmm.","start":1134.125,"end":1134.51,"sentiment":"neutral","sentiment_score":0.02130241133272648}],"sentiment":"neutral","sentiment_score":-0.02472394803959516,"num_words":62,"start":1100.995,"end":1134.51},{"sentences":[{"text":"Mhmm.","start":1144.59,"end":1145.09,"sentiment":"neutral","sentiment_score":-0.052928850054740906},{"text":"So your preservation to age to access super is presently 60, and the Centrelink age pension is 67 currently based and that's based on today's legislation.","start":1146.745,"end":1157.625,"sentiment":"neutral","sentiment_score":-0.015878989934348144},{"text":"You know, things can change over time, but at the moment, those are the date the ages.","start":1157.625,"end":1161.89,"sentiment":"neutral","sentiment_score":-0.13942294611650355},{"text":"Yes.","start":1170.03,"end":1170.53,"sentiment":"neutral","sentiment_score":0.0529455691576004},{"text":"That we can include in our projections because what we would take into account is not our projections, our calculations as to estimating that.","start":1175.47,"end":1185.005,"sentiment":"neutral","sentiment_score":0.056434549391269684}],"sentiment":"neutral","sentiment_score":-0.020704317648989567,"num_words":69,"start":1144.59,"end":1185.005},{"sentences":[{"text":"Now, again, when we estimate it out, it's conservative and needs to be taken at a not a grain of salt, but it needs to be taken that it it is an estimation because market, as you you know, are volatile.","start":1185.005,"end":1199.6124,"sentiment":"neutral","sentiment_score":0.009649708140187147},{"text":"But they're also given the time, they also recover.","start":1199.6124,"end":1203.4651,"sentiment":"neutral","sentiment_score":0.0667246679464976},{"text":"So it's it's understanding and having that comfort that we can we can estimate out what it's gonna look like.","start":1203.925,"end":1211.6051,"sentiment":"positive","sentiment_score":0.39285715371370317},{"text":"We can look at building a portfolio to supplement income.","start":1211.6051,"end":1215.8651,"sentiment":"neutral","sentiment_score":0.3291805058717728},{"text":"But I actually think probably one of the more before we even I know that building out a portfolio outside of super is probably your goal right now.","start":1216.005,"end":1227.06,"sentiment":"neutral","sentiment_score":0.08436879628737058}],"sentiment":"neutral","sentiment_score":0.13432809698429923,"num_words":108,"start":1185.005,"end":1227.06},{"sentences":[{"text":"If I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step.","start":1228.2401,"end":1242.085,"sentiment":"neutral","sentiment_score":0.04112831853768405},{"text":"And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve.","start":1243.745,"end":1271.54,"sentiment":"neutral","sentiment_score":0.2260598367878369},{"text":"Yep.","start":1276.16,"end":1276.66,"sentiment":"neutral","sentiment_score":0.08339717984199524},{"text":"Yeah.","start":1281.6001,"end":1282.1001,"sentiment":"neutral","sentiment_score":0.06357681006193161},{"text":"Mhmm.","start":1289.135,"end":1289.635,"sentiment":"neutral","sentiment_score":0.0033874865621328354}],"sentiment":"neutral","sentiment_score":0.16236367179341962,"num_words":107,"start":1228.2401,"end":1289.635},{"sentences":[{"text":"Yeah.","start":1291.295,"end":1291.795,"sentiment":"neutral","sentiment_score":0.07637612521648407},{"text":"Yeah.","start":1295.535,"end":1296.0,"sentiment":"neutral","sentiment_score":0.01671632193028927},{"text":"No.","start":1296.0,"end":1296.24,"sentiment":"neutral","sentiment_score":-0.11296363174915314},{"text":"It's yeah.","start":1296.24,"end":1301.04,"sentiment":"neutral","sentiment_score":-0.06590418890118599},{"text":"Yeah.","start":1301.04,"end":1301.44,"sentiment":"neutral","sentiment_score":0.010456811636686323}],"sentiment":"neutral","sentiment_score":-0.02353712512801091,"num_words":6,"start":1291.295,"end":1301.44},{"sentences":[{"text":"Absolutely.","start":1301.44,"end":1301.94,"sentiment":"neutral","sentiment_score":0.01832739450037479},{"text":"Absolutely.","start":1303.84,"end":1304.34,"sentiment":"neutral","sentiment_score":0.029601195827126503},{"text":"And just sorry.","start":1304.72,"end":1305.68,"sentiment":"neutral","sentiment_score":-0.031428112337986626},{"text":"Just I just wanna clarify one other quick question.","start":1305.68,"end":1308.66,"sentiment":"neutral","sentiment_score":-0.033475144455830254},{"text":"I think I did already, but I just wanna confirm.","start":1308.96,"end":1311.22,"sentiment":"neutral","sentiment_score":-0.009527976997196675}],"sentiment":"neutral","sentiment_score":-0.018454659031704068,"num_words":24,"start":1301.44,"end":1311.22},{"sentences":[{"text":"The $10,000 per month supplemented, does that exclude the private school income, or will it include that?","start":1311.575,"end":1320.555,"sentiment":"neutral","sentiment_score":-0.05877562962910708},{"text":"I mean, fees.","start":1321.575,"end":1322.615,"sentiment":"neutral","sentiment_score":-0.07364518443743388},{"text":"Sorry.","start":1322.615,"end":1323.015,"sentiment":"neutral","sentiment_score":-0.11583085358142851},{"text":"Private school.","start":1323.015,"end":1323.835,"sentiment":"neutral","sentiment_score":-0.11725328862667084},{"text":"Excludes.","start":1326.855,"end":1327.355,"sentiment":"neutral","sentiment_score":-0.08369971811771393}],"sentiment":"neutral","sentiment_score":-0.06892326691498359,"num_words":24,"start":1311.575,"end":1327.355},{"sentences":[{"text":"So we need plus.","start":1327.47,"end":1329.37,"sentiment":"neutral","sentiment_score":-0.03340200032107532},{"text":"Yep.","start":1330.03,"end":1330.53,"sentiment":"neutral","sentiment_score":0.04639406502246857},{"text":"Okay.","start":1330.6699,"end":1331.1699,"sentiment":"neutral","sentiment_score":0.09804101288318634},{"text":"Fantastic.","start":1331.23,"end":1331.73,"sentiment":"positive","sentiment_score":0.4175955057144165},{"text":"Yes.","start":1337.7899,"end":1338.2899,"sentiment":"neutral","sentiment_score":0.00007519125938415527}],"sentiment":"neutral","sentiment_score":0.053562221699394286,"num_words":8,"start":1327.47,"end":1338.2899},{"sentences":[{"text":"Mhmm.","start":1338.83,"end":1339.33,"sentiment":"neutral","sentiment_score":-0.06867503374814987},{"text":"Mhmm.","start":1342.75,"end":1343.085,"sentiment":"neutral","sentiment_score":-0.058505572378635406},{"text":"That's exactly Yes.","start":1347.725,"end":1349.1849,"sentiment":"neutral","sentiment_score":0.1850220908721288},{"text":"That's exactly what I'm thinking in relation to yeah.","start":1349.245,"end":1356.365,"sentiment":"neutral","sentiment_score":0.1828383488787545},{"text":"I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've got your returns, and they're taxable.","start":1356.365,"end":1366.08,"sentiment":"neutral","sentiment_score":0.09701517429845087}],"sentiment":"neutral","sentiment_score":0.11364815955938296,"num_words":43,"start":1338.83,"end":1366.08},{"sentences":[{"text":"So the return in an investment portfolio, the return gonna be taxable to you.","start":1368.14,"end":1374.745,"sentiment":"neutral","sentiment_score":0.09342077853424209},{"text":"But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio.","start":1376.245,"end":1384.905,"sentiment":"neutral","sentiment_score":0.059460668861865996},{"text":"So, financially, it makes sense to reverse that, pay the debt, or consolidate it in a home loan with a potentially lesser interest rate, and then use that surplus cash flow to build wealth then to offset.","start":1385.52,"end":1401.635,"sentiment":"neutral","sentiment_score":0.23465405485114535},{"text":"So they're the they're the kind of things that I wanna have a look at and a play with before I even make any recommendations.","start":1401.855,"end":1410.275,"sentiment":"neutral","sentiment_score":0.060889320075511934},{"text":"But in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side and make sure that as a family, you're protected as well.","start":1410.655,"end":1428.155,"sentiment":"neutral","sentiment_score":0.14706751392331235}],"sentiment":"neutral","sentiment_score":0.13418572049381006,"num_words":144,"start":1368.14,"end":1428.155},{"sentences":[{"text":"Because I suspect her income protection probably doesn't cover her full wage is my my guess.","start":1428.155,"end":1435.935,"sentiment":"neutral","sentiment_score":-0.11245467001572251},{"text":"Yeah.","start":1442.96,"end":1443.46,"sentiment":"neutral","sentiment_score":0.04699040204286575},{"text":"How much does she earn?","start":1443.6799,"end":1444.98,"sentiment":"neutral","sentiment_score":0.029536180943250657},{"text":"Yeah.","start":1448.1599,"end":1448.6599,"sentiment":"neutral","sentiment_score":0.01459135301411152},{"text":"Yeah.","start":1449.2,"end":1449.7,"sentiment":"neutral","sentiment_score":-0.0004749838262796402}],"sentiment":"neutral","sentiment_score":-0.06627029351269205,"num_words":24,"start":1428.155,"end":1449.7},{"sentences":[{"text":"So, yeah, the Australian Superfund's definitely not gonna cover her income protection.","start":1449.84,"end":1454.595,"sentiment":"neutral","sentiment_score":-0.31744638085365295},{"text":"So if she wasn't able to work due to injury or illness, that puts a big spanner in the works in relation to achieving these these goals and objectives that you both wanna achieve.","start":1454.595,"end":1466.19,"sentiment":"neutral","sentiment_score":-0.1077532060444355},{"text":"So we do really need to probably look at that sooner rather than later as well.","start":1466.2699,"end":1471.33,"sentiment":"neutral","sentiment_score":-0.06879586190916598},{"text":"Yep.","start":1473.7899,"end":1474.2899,"sentiment":"neutral","sentiment_score":0.03192149102687836},{"text":"Okay.","start":1474.35,"end":1474.85,"sentiment":"neutral","sentiment_score":0.038080379366874695}],"sentiment":"neutral","sentiment_score":-0.1328702733735554,"num_words":64,"start":1449.84,"end":1474.85},{"sentences":[{"text":"Alright.","start":1474.9099,"end":1475.3899,"sentiment":"neutral","sentiment_score":-0.014301889576017857},{"text":"So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through.","start":1475.3899,"end":1484.095,"sentiment":"neutral","sentiment_score":0.06249337242199825},{"text":"It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play with some figures.","start":1485.835,"end":1496.4,"sentiment":"neutral","sentiment_score":0.050445924646088054},{"text":"What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct.","start":1497.26,"end":1512.445,"sentiment":"neutral","sentiment_score":0.09210591823343307},{"text":"And I may even need to phone you back just to ask a couple of clarifying questions.","start":1512.445,"end":1517.825,"sentiment":"neutral","sentiment_score":0.0568364733720527}],"sentiment":"neutral","sentiment_score":0.06543306062336672,"num_words":110,"start":1474.9099,"end":1517.825},{"sentences":[{"text":"So if I do need to, what time of day is best for you?","start":1517.8849,"end":1524.1663,"sentiment":"neutral","sentiment_score":0.015378208232245274},{"text":"Yep.","start":1526.7825,"end":1527.2825,"sentiment":"neutral","sentiment_score":0.033781446516513824},{"text":"Yep.","start":1529.8988,"end":1530.3988,"sentiment":"neutral","sentiment_score":0.05296797677874565},{"text":"Of course.","start":1539.335,"end":1539.995,"sentiment":"neutral","sentiment_score":0.020175199955701828},{"text":"Wonderful.","start":1542.615,"end":1543.095,"sentiment":"positive","sentiment_score":0.6641671657562256}],"sentiment":"neutral","sentiment_score":0.05297694232706961,"num_words":19,"start":1517.8849,"end":1543.095},{"sentences":[{"text":"And if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like.","start":1543.095,"end":1549.5,"sentiment":"neutral","sentiment_score":0.2916165250870917},{"text":"Beautiful.","start":1551.96,"end":1552.46,"sentiment":"positive","sentiment_score":0.6344414949417114},{"text":"Alright.","start":1552.6799,"end":1553.08,"sentiment":"neutral","sentiment_score":0.26038575172424316},{"text":"Indeed, do you have any other questions for me today or anything that you need me to look at?","start":1553.08,"end":1557.98,"sentiment":"neutral","sentiment_score":0.1394631003862933},{"text":"Mhmm.","start":1571.975,"end":1572.455,"sentiment":"neutral","sentiment_score":0.028895650058984756}],"sentiment":"neutral","sentiment_score":0.23361567309012218,"num_words":49,"start":1543.095,"end":1572.455},{"sentences":[{"text":"Yep.","start":1572.455,"end":1572.955,"sentiment":"neutral","sentiment_score":0.008965079672634602},{"text":"No.","start":1576.6901,"end":1577.1901,"sentiment":"neutral","sentiment_score":-0.09903079271316528},{"text":"No.","start":1578.6901,"end":1578.93,"sentiment":"neutral","sentiment_score":-0.06717213243246078},{"text":"We do it all for you.","start":1578.93,"end":1580.37,"sentiment":"neutral","sentiment_score":0.09638529643416405},{"text":"That's what you would engage us for, and that's what the fees would cover.","start":1580.37,"end":1583.65,"sentiment":"neutral","sentiment_score":0.10217025397079331}],"sentiment":"neutral","sentiment_score":0.080498151683613,"num_words":23,"start":1572.455,"end":1583.65},{"sentences":[{"text":"We do it all for you.","start":1583.65,"end":1584.77,"sentiment":"neutral","sentiment_score":0.3190402289231618},{"text":"So then as part of your reviews that you do with super, the portfolio would also be included as well.","start":1584.77,"end":1591.825,"sentiment":"neutral","sentiment_score":0.23445418365299703},{"text":"Yep.","start":1593.725,"end":1594.225,"sentiment":"neutral","sentiment_score":0.018359825015068058},{"text":"Absolutely.","start":1600.205,"end":1600.705,"sentiment":"positive","sentiment_score":0.5183044075965881},{"text":"I can definitely give you some information on that.","start":1600.845,"end":1605.47,"sentiment":"neutral","sentiment_score":0.3232354952229394}],"sentiment":"neutral","sentiment_score":0.27159753341127085,"num_words":37,"start":1583.65,"end":1605.47},{"sentences":[{"text":"Alright.","start":1605.47,"end":1605.87,"sentiment":"positive","sentiment_score":0.4729298949241638},{"text":"Well, that was lovely.","start":1605.87,"end":1606.75,"sentiment":"positive","sentiment_score":0.7952069640159607},{"text":"Thanks for speaking with me today, India.","start":1606.75,"end":1608.59,"sentiment":"positive","sentiment_score":0.778251154082162},{"text":"I appreciate it.","start":1608.59,"end":1609.47,"sentiment":"positive","sentiment_score":0.7661428848902384},{"text":"And I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there.","start":1609.47,"end":1617.2428,"sentiment":"positive","sentiment_score":0.4271663162443373}],"sentiment":"positive","sentiment_score":0.546034167210261,"num_words":42,"start":1605.47,"end":1617.2428},{"sentences":[{"text":"Thank you so much.","start":1619.4628,"end":1620.4229,"sentiment":"positive","sentiment_score":0.8202117681503296},{"text":"Enjoy your day.","start":1620.4229,"end":1621.4028,"sentiment":"positive","sentiment_score":0.7853090763092041},{"text":"Bye.","start":1623.0629,"end":1623.5629,"sentiment":"neutral","sentiment_score":-0.09453833848237991}],"sentiment":"positive","sentiment_score":0.6927794953808188,"num_words":8,"start":1619.4628,"end":1623.5629}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. How are you? Sure. Entergy Delancoin, 11/26/1980. 32 Tuan Street, Victoria Park, WA. That's fine. Yes. We can. Into investment, you mean? Yep. Okay. Look. Both myself and my wife, we are, I guess, engineering professionals, and I'm turning 46 and my wife is turning 41. And, basically, we are looking at, I guess, income streams to have on the side versus our day to day, I guess, career jobs, if that makes sense. Ideally, I want to be in a position where if when I enter my fifties that I have income streams supplementing income versus me relying on my day to day job, likewise, my wife as well. Just to put in a perspective, going back September last year, I was made with London with the previous job. And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways and stressful. So I just don't want to be in another situation like that again. I mean, investment has always been in the pipeline for us to do it, but now it's more what can we do. And I don't want to wait till sixty years to wait for retirement funds to come into play. So we want to be able to, you know, ease into retirement rather than waiting till eleventh hour. Yep. Yep. Yep. And the other aspect of it is we have one child. He's an younger boy, and we are planning to put him through private school doing starting next year. Right? So once again, being able to have some sort of income stream where as we're able to supplement his school fees as well to certain extent. That way, you know, it is all managed and, you know, it's it's stressing for having a high end full time job. Look. For the for the first two years, I think it's up to year seven. Right? Where are we? Year four is going year four. So year four to year six or year seven, it's around thousand 200 a month. Yep. And then once it goes into the senior school realm, it goes up to this is anywhere around 15 to $16,000 a year. Yeah. Yeah. Yeah. Okay. I'm 46 now. Right? Let's give us 10 let's give us a six to eight years. So how are we? I'm 40 54. Let's say by the time I reach 55. Alright? 55 to one. Yep. Yeah. Look. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. In other words, is it all the yeah. Correct. Yes. Correct. I didn't actually put much thought into it, but I would say our I guess our the mode so right now, probably if you look at what's outgoing with the I mean, the mortgages and other expenses, maybe having close to 10,000 a month. Okay. So you were asking the total linked way supplement. Which one are we asking for? Yeah. That is to be the mortgage is through any of the financial obligations we have. Yep. Yep. Yep. Yes. Yes. Yes. So that is a variable. I'm only been with them for four months now, but I haven't experienced it yet in terms of what the number looks like. Yep. Look. That probably will be around 1.4 now. It's 1.01. Yep. Yep. Yep. That's the what we took it for, but it should be around $6,000. But yeah. So before, you know, we started talking to yourselves, my my vision was, we had investment options where they were looking after the obligations where, you know, it was generating income and income was paying off for any finances or whatnot. Right? So it's kind of self sufficient. So that 10,000 figure is basically what's go what's outgoing to meet our notes. But, technically, I want the investments to pretty much take care of themselves where the income is taking care of the expenses. Yeah. Yeah. Look, as I said, because the loan is thirty years for the property we are in, and it's we only, like, four years into it. Right? But we wanna do it in such a way so that when my I mean, obviously, my son is taken care of because, obviously, he's the only son for us. So in other words, the investments are maturing in a way so that, you know, it's so he doesn't get impacted, then the time comes for himself, if that makes sense. Yeah. The surplus cash flow at the moment. We both just said we just changed jobs. So we're actually in the in the first four months, five months of our jobs and haven't got any savings saved up as such. Having said that, we can look at around, say, $506,100 dollars a month at this stage. It could go up. It's just right initial stage. It should be that amount. Yep. I said again today. My phone was just gonna be there. Yeah. You go ahead. Mhmm. To be honest, I don't have a number, but then again, I would like to leverage my equity in my property to do that. So I'm not sure what the demand would be, so that's advice I'll be needing on. So, yeah, so, technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things? Mhmm. Mhmm. Mhmm. Mhmm. Sure. Sure. Yeah. I do. Yeah. Yeah. Yeah. Sure. I don't have those figures handy. Sorry. But I can if you can send me an email, I can, by today, get your numbers across. Yeah. Yep. Yeah. And the other thing with the cars, we have it on no weighted leases. So, basically, it's through a loan. Yeah. Yeah. No weighted lease. Yep. Sure. It's fine. Mhmm. Sure. I think for me, at the end of the day, is just looking at the numbers and what, I guess, each profile looks like. Yeah. Because, as I said, now it's kind of coming towards the, I guess, the latter quarter of Korea and whatnot. So I guess for us, time is premium. And if if we take anything that any mistake and that, you know, that could put us back again a few years. But also for me, I think having an approach where we have certain level of guarantee of income coming through and whatever approach is needed for that. I'm happy to look into that. But I'll be curious to know what the difference would be with a high growth than a, let's say, moderate growth. Yeah. Yep. Yep. Yep. Mhmm. Yeah. And and the sorry. Go ahead. Yeah. Look. I think for us, holistically, between myself and my wife, it's just providing some central security in terms of income streams as we head towards our fifties. That's that's quite important. The other aspect is, which we'll probably look at it as part of this or maybe separate, is my wife's insurances. I know she's got insurance through Australian Super as part of the default supernation scheme, but I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind. I mean, she hasn't, looked into in more detail, but, yeah, I just want something similar set up for her as well. Yes. Yeah. Yep. Look. Yeah. It's something I mean, I I haven't spoken to her about it, but I I I will talk to her about it and we'll have the conversation. But I wasn't sure. Does it need to happen as part of this conversation. Can it happen separately? Because I want to obviously have it happen. Have you been yeah. Yeah. Yep. Yeah. That's fine. And just one other thing, though. So when you're looking at so obviously, now we're looking at the holistic approach. Right? The other thing is with the super that we have in play I have in play. So, for example, if I reached my age where, obviously, well, I mean, if I were to go up to 60 or 60, what is the retirement age again? Mhmm. Yeah. So so if I went on to where, like, you know, I'm deciding to slow down and I want to access my super or whatnot in 60, where would where would my super be at, and is it sufficient considering how things are going? Yep. Sure. Yeah. Sure. Yep. Yep. Yep. No. Look. I think that's the same way to go. Obviously, the speakers have provided us based on, I guess, our tiny world in terms of what we are looking at. But I think from your point of view, typically, you know, a family like us and as we're heading towards retirement, so any any other costs or anything, any allocation we need to consider, a recommendation on that would that would be great to know because, as I said, we could have missed things which we probably should have considered, you know, especially going to a part time and any money allocation we need to be aware of. Yeah. Sure. I think no. I think we'll no. Look. Look. I think it'll it'll exclude that. Because right now, just thinking from loans point of view. Yeah. Look. If if I could put in the simple terms, our major draw at the moment is from the mortgage. Right? Major mortgage and these loans we have. So they didn't exist. Right? It's money that we could invest and money we can use for ourselves for well-being, if that makes sense. Yeah. Yep. Yep. Okay. Yep. Sure. Yeah. Yeah. Look. I think she's all changed jobs. And as I said, she's been on the AustralianSuper. So what the AustralianSuper offers is basically what she's got. 200,000 base. Yep. Yep. Yep. Yep. No. I totally get that. Yep. Sure. Look. I think the best way to do this is if you I mean, if if you call me and if I don't answer, if you leave a message with the number to call back on, I will happily do so. It's just I'll be in the meetings, and sometimes I will, you know, be able to return your call. So if I know what that you that you want this information, then I can go from there. Yeah. That's okay. That's fine. Yeah. Look, I think what I what I want to know, you can probably send me an email on that, is always so based on the advice you give us, in terms of implementation of the actual program itself, right, does does your firm do that, or do I need to go with that road map to then do it myself? Okay. Alright. Yep. Okay. Alright. So I just wanna know what that looks like and what the costs are and, you know, and I'll work out of where that's done. Yeah. Okay. That's fine. Alright. Thank you very much for that. Cheers. Thank you. Bye. 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I'm good. Thank you. How are you? Sure.\n\nEntergy Delancoin, 11/26/1980. 32 Tuan Street, Victoria Park, WA. That's fine. Yes. We can.\n\nInto investment, you mean? Yep. Okay. Look. Both myself and my wife, we are, I guess, engineering professionals, and I'm turning 46 and my wife is turning 41.\n\nAnd, basically, we are looking at, I guess, income streams to have on the side versus our day to day, I guess, career jobs, if that makes sense. Ideally, I want to be in a position where if when I enter my fifties that I have income streams supplementing income versus me relying on my day to day job, likewise, my wife as well. Just to put in a perspective, going back September last year, I was made with London with the previous job. And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways and stressful. So I just don't want to be in another situation like that again.\n\nI mean, investment has always been in the pipeline for us to do it, but now it's more what can we do. And I don't want to wait till sixty years to wait for retirement funds to come into play. So we want to be able to, you know, ease into retirement rather than waiting till eleventh hour. Yep. Yep.\n\nYep. And the other aspect of it is we have one child. He's an younger boy, and we are planning to put him through private school doing starting next year. Right? So once again, being able to have some sort of income stream where as we're able to supplement his school fees as well to certain extent.\n\nThat way, you know, it is all managed and, you know, it's it's stressing for having a high end full time job. Look. For the for the first two years, I think it's up to year seven. Right? Where are we?\n\nYear four is going year four. So year four to year six or year seven, it's around thousand 200 a month. Yep. And then once it goes into the senior school realm, it goes up to this is anywhere around 15 to $16,000 a year. Yeah.\n\nYeah. Yeah. Okay. I'm 46 now. Right?\n\nLet's give us 10 let's give us a six to eight years. So how are we? I'm 40 54. Let's say by the time I reach 55. Alright?\n\n55 to one. Yep. Yeah. Look. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nIn other words, is it all the yeah. Correct. Yes. Correct. I didn't actually put much thought into it, but I would say our I guess our the mode so right now, probably if you look at what's outgoing with the I mean, the mortgages and other expenses, maybe having close to 10,000 a month.\n\nOkay. So you were asking the total linked way supplement. Which one are we asking for? Yeah. That is to be the mortgage is through any of the financial obligations we have.\n\nYep. Yep. Yep. Yes. Yes.\n\nYes. So that is a variable. I'm only been with them for four months now, but I haven't experienced it yet in terms of what the number looks like. Yep. Look.\n\nThat probably will be around 1.4 now. It's 1.01. Yep. Yep. Yep.\n\nThat's the what we took it for, but it should be around $6,000. But yeah. So before, you know, we started talking to yourselves, my my vision was, we had investment options where they were looking after the obligations where, you know, it was generating income and income was paying off for any finances or whatnot. Right? So it's kind of self sufficient.\n\nSo that 10,000 figure is basically what's go what's outgoing to meet our notes. But, technically, I want the investments to pretty much take care of themselves where the income is taking care of the expenses. Yeah. Yeah. Look, as I said, because the loan is thirty years for the property we are in, and it's we only, like, four years into it.\n\nRight? But we wanna do it in such a way so that when my I mean, obviously, my son is taken care of because, obviously, he's the only son for us. So in other words, the investments are maturing in a way so that, you know, it's so he doesn't get impacted, then the time comes for himself, if that makes sense. Yeah. The surplus cash flow at the moment.\n\nWe both just said we just changed jobs. So we're actually in the in the first four months, five months of our jobs and haven't got any savings saved up as such. Having said that, we can look at around, say, $506,100 dollars a month at this stage. It could go up. It's just right initial stage.\n\nIt should be that amount. Yep. I said again today. My phone was just gonna be there. Yeah.\n\nYou go ahead. Mhmm. To be honest, I don't have a number, but then again, I would like to leverage my equity in my property to do that. So I'm not sure what the demand would be, so that's advice I'll be needing on. So, yeah, so, technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things?\n\nMhmm. Mhmm. Mhmm. Mhmm. Sure.\n\nSure. Yeah. I do. Yeah. Yeah.\n\nYeah. Sure. I don't have those figures handy. Sorry. But I can if you can send me an email, I can, by today, get your numbers across.\n\nYeah. Yep. Yeah. And the other thing with the cars, we have it on no weighted leases. So, basically, it's through a loan.\n\nYeah. Yeah. No weighted lease. Yep. Sure.\n\nIt's fine. Mhmm. Sure. I think for me, at the end of the day, is just looking at the numbers and what, I guess, each profile looks like. Yeah.\n\nBecause, as I said, now it's kind of coming towards the, I guess, the latter quarter of Korea and whatnot. So I guess for us, time is premium. And if if we take anything that any mistake and that, you know, that could put us back again a few years. But also for me, I think having an approach where we have certain level of guarantee of income coming through and whatever approach is needed for that. I'm happy to look into that.\n\nBut I'll be curious to know what the difference would be with a high growth than a, let's say, moderate growth. Yeah. Yep. Yep. Yep.\n\nMhmm. Yeah. And and the sorry. Go ahead. Yeah.\n\nLook. I think for us, holistically, between myself and my wife, it's just providing some central security in terms of income streams as we head towards our fifties. That's that's quite important. The other aspect is, which we'll probably look at it as part of this or maybe separate, is my wife's insurances. I know she's got insurance through Australian Super as part of the default supernation scheme, but I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind.\n\nI mean, she hasn't, looked into in more detail, but, yeah, I just want something similar set up for her as well. Yes. Yeah. Yep. Look.\n\nYeah. It's something I mean, I I haven't spoken to her about it, but I I I will talk to her about it and we'll have the conversation. But I wasn't sure. Does it need to happen as part of this conversation. Can it happen separately?\n\nBecause I want to obviously have it happen. Have you been yeah. Yeah. Yep. Yeah.\n\nThat's fine. And just one other thing, though. So when you're looking at so obviously, now we're looking at the holistic approach. Right? The other thing is with the super that we have in play I have in play.\n\nSo, for example, if I reached my age where, obviously, well, I mean, if I were to go up to 60 or 60, what is the retirement age again? Mhmm. Yeah. So so if I went on to where, like, you know, I'm deciding to slow down and I want to access my super or whatnot in 60, where would where would my super be at, and is it sufficient considering how things are going? Yep.\n\nSure. Yeah. Sure. Yep. Yep.\n\nYep. No. Look. I think that's the same way to go. Obviously, the speakers have provided us based on, I guess, our tiny world in terms of what we are looking at.\n\nBut I think from your point of view, typically, you know, a family like us and as we're heading towards retirement, so any any other costs or anything, any allocation we need to consider, a recommendation on that would that would be great to know because, as I said, we could have missed things which we probably should have considered, you know, especially going to a part time and any money allocation we need to be aware of. Yeah. Sure. I think no. I think we'll no.\n\nLook. Look. I think it'll it'll exclude that. Because right now, just thinking from loans point of view. Yeah.\n\nLook. If if I could put in the simple terms, our major draw at the moment is from the mortgage. Right? Major mortgage and these loans we have. So they didn't exist.\n\nRight? It's money that we could invest and money we can use for ourselves for well-being, if that makes sense. Yeah. Yep. Yep.\n\nOkay. Yep. Sure. Yeah. Yeah.\n\nLook. I think she's all changed jobs. And as I said, she's been on the AustralianSuper. So what the AustralianSuper offers is basically what she's got. 200,000 base.\n\nYep. Yep. Yep. Yep. No.\n\nI totally get that. Yep. Sure. Look. I think the best way to do this is if you I mean, if if you call me and if I don't answer, if you leave a message with the number to call back on, I will happily do so.\n\nIt's just I'll be in the meetings, and sometimes I will, you know, be able to return your call. So if I know what that you that you want this information, then I can go from there. Yeah. That's okay. That's fine.\n\nYeah. Look, I think what I what I want to know, you can probably send me an email on that, is always so based on the advice you give us, in terms of implementation of the actual program itself, right, does does your firm do that, or do I need to go with that road map to then do it myself? Okay. Alright. Yep.\n\nOkay. Alright. So I just wanna know what that looks like and what the costs are and, you know, and I'll work out of where that's done. Yeah. Okay.\n\nThat's fine. Alright. Thank you very much for that. Cheers. Thank you.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.040360044687986374},{"text":"I'm good.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.5110869705677032},{"text":"Thank you.","start":9.599999,"end":9.92,"sentiment":"positive","sentiment_score":0.5950358211994171},{"text":"How are you?","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.3422276775042216},{"text":"Sure.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.04818190261721611}],"sentiment":"positive","sentiment_score":0.36971895148356754,"num_words":9,"start":3.1999998,"end":21.675},{"sentences":[{"text":"Entergy Delancoin, 11/26/1980.","start":30.48,"end":33.54,"sentiment":"neutral","sentiment_score":0.014494651928544044},{"text":"32 Tuan Street, Victoria Park, WA.","start":33.92,"end":36.58,"sentiment":"neutral","sentiment_score":0.018976467351118725},{"text":"That's fine.","start":41.204998,"end":42.024998,"sentiment":"neutral","sentiment_score":0.19167710840702057},{"text":"Yes.","start":60.710003,"end":61.030003,"sentiment":"neutral","sentiment_score":0.09400740265846252},{"text":"We can.","start":61.030003,"end":61.690002,"sentiment":"neutral","sentiment_score":0.10101579129695892}],"sentiment":"neutral","sentiment_score":0.05976685442562614,"num_words":14,"start":30.48,"end":61.690002},{"sentences":[{"text":"Into investment, you mean?","start":72.854996,"end":74.955,"sentiment":"neutral","sentiment_score":0.07406611368060112},{"text":"Yep.","start":75.255,"end":75.735,"sentiment":"neutral","sentiment_score":0.045206665992736816},{"text":"Okay.","start":75.735,"end":76.055,"sentiment":"neutral","sentiment_score":0.04572007805109024},{"text":"Look.","start":76.055,"end":76.555,"sentiment":"neutral","sentiment_score":0.03495483845472336},{"text":"Both myself and my wife, we are, I guess, engineering professionals, and I'm turning 46 and my wife is turning 41.","start":78.215,"end":88.1,"sentiment":"neutral","sentiment_score":0.03823217962469373}],"sentiment":"neutral","sentiment_score":0.043750778904982975,"num_words":28,"start":72.854996,"end":88.1},{"sentences":[{"text":"And, basically, we are looking at, I guess, income streams to have on the side versus our day to day, I guess, career jobs, if that makes sense.","start":88.64,"end":100.785,"sentiment":"neutral","sentiment_score":0.0468578103796712},{"text":"Ideally, I want to be in a position where if when I enter my fifties that I have income streams supplementing income versus me relying on my day to day job, likewise, my wife as well.","start":101.565,"end":114.94,"sentiment":"neutral","sentiment_score":0.061635691155162126},{"text":"Just to put in a perspective, going back September last year, I was made with London with the previous job.","start":116.52,"end":123.74,"sentiment":"neutral","sentiment_score":-0.01537054218351841},{"text":"And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways and stressful.","start":125.345,"end":138.89,"sentiment":"neutral","sentiment_score":0.08757375918018322},{"text":"So I just don't want to be in another situation like that again.","start":139.19,"end":141.95,"sentiment":"negative","sentiment_score":-0.40071818003287685}],"sentiment":"neutral","sentiment_score":0.008773020440642546,"num_words":133,"start":88.64,"end":141.95},{"sentences":[{"text":"I mean, investment has always been in the pipeline for us to do it, but now it's more what can we do.","start":141.95,"end":147.45,"sentiment":"neutral","sentiment_score":0.125477211041884},{"text":"And I don't want to wait till sixty years to wait for retirement funds to come into play.","start":147.59,"end":151.845,"sentiment":"neutral","sentiment_score":-0.048356196325686246},{"text":"So we want to be able to, you know, ease into retirement rather than waiting till eleventh hour.","start":152.325,"end":157.785,"sentiment":"neutral","sentiment_score":0.19308152422308922},{"text":"Yep.","start":159.045,"end":159.545,"sentiment":"neutral","sentiment_score":0.15466462075710297},{"text":"Yep.","start":159.765,"end":160.265,"sentiment":"neutral","sentiment_score":0.12068210542201996}],"sentiment":"neutral","sentiment_score":0.09401502118756373,"num_words":60,"start":141.95,"end":160.265},{"sentences":[{"text":"Yep.","start":160.80501,"end":161.285,"sentiment":"neutral","sentiment_score":0.1362949162721634},{"text":"And the other aspect of it is we have one child.","start":161.285,"end":165.75,"sentiment":"neutral","sentiment_score":0.1311116157607599},{"text":"He's an younger boy, and we are planning to put him through private school doing starting next year.","start":165.75,"end":172.89,"sentiment":"neutral","sentiment_score":0.15219519949621624},{"text":"Right?","start":173.10999,"end":173.60999,"sentiment":"neutral","sentiment_score":0.12396515905857086},{"text":"So once again, being able to have some sort of income stream where as we're able to supplement his school fees as well to certain extent.","start":173.98999,"end":185.095,"sentiment":"neutral","sentiment_score":0.3036238201535665}],"sentiment":"neutral","sentiment_score":0.21642492567760901,"num_words":57,"start":160.80501,"end":185.095},{"sentences":[{"text":"That way, you know, it is all managed and, you know, it's it's stressing for having a high end full time job.","start":185.315,"end":203.11,"sentiment":"neutral","sentiment_score":0.1546165602789684},{"text":"Look.","start":208.645,"end":209.145,"sentiment":"neutral","sentiment_score":0.010212982073426248},{"text":"For the for the first two years, I think it's up to year seven.","start":209.525,"end":213.545,"sentiment":"neutral","sentiment_score":0.005105009768158197},{"text":"Right?","start":213.845,"end":214.345,"sentiment":"neutral","sentiment_score":0.008662273176014423},{"text":"Where are we?","start":215.845,"end":216.725,"sentiment":"neutral","sentiment_score":-0.006255282089114189}],"sentiment":"neutral","sentiment_score":0.08471082614325895,"num_words":41,"start":185.315,"end":216.725},{"sentences":[{"text":"Year four is going year four.","start":216.725,"end":218.08499,"sentiment":"neutral","sentiment_score":-0.0051798865509529906},{"text":"So year four to year six or year seven, it's around thousand 200 a month.","start":218.08499,"end":222.93999,"sentiment":"neutral","sentiment_score":0.007167674538989862},{"text":"Yep.","start":225.72,"end":226.22,"sentiment":"neutral","sentiment_score":0.023239148780703545},{"text":"And then once it goes into the senior school realm, it goes up to this is anywhere around 15 to $16,000 a year.","start":227.0,"end":239.43501,"sentiment":"neutral","sentiment_score":0.02178808787594671},{"text":"Yeah.","start":244.29501,"end":244.77501,"sentiment":"neutral","sentiment_score":0.024450253695249557}],"sentiment":"neutral","sentiment_score":0.013592417878301247,"num_words":46,"start":216.725,"end":244.77501},{"sentences":[{"text":"Yeah.","start":244.77501,"end":245.255,"sentiment":"neutral","sentiment_score":0.017707331106066704},{"text":"Yeah.","start":245.255,"end":245.755,"sentiment":"neutral","sentiment_score":0.02111956477165222},{"text":"Okay.","start":260.92502,"end":261.42502,"sentiment":"neutral","sentiment_score":0.006194131914526224},{"text":"I'm 46 now.","start":261.64502,"end":262.765,"sentiment":"neutral","sentiment_score":0.006076594737047951},{"text":"Right?","start":262.765,"end":263.165,"sentiment":"neutral","sentiment_score":0.0122781153768301}],"sentiment":"neutral","sentiment_score":0.010789846768602729,"num_words":7,"start":244.77501,"end":263.165},{"sentences":[{"text":"Let's give us 10 let's give us a six to eight years.","start":263.165,"end":267.965,"sentiment":"neutral","sentiment_score":0.018736581007639568},{"text":"So how are we?","start":267.965,"end":269.405,"sentiment":"neutral","sentiment_score":0.017914179945364594},{"text":"I'm 40 54.","start":269.405,"end":271.405,"sentiment":"neutral","sentiment_score":0.0030286583739022412},{"text":"Let's say by the time I reach 55.","start":271.405,"end":273.345,"sentiment":"neutral","sentiment_score":0.02114382921718061},{"text":"Alright?","start":273.71,"end":274.21,"sentiment":"neutral","sentiment_score":0.03665342181921005}],"sentiment":"neutral","sentiment_score":0.01826377580541053,"num_words":28,"start":263.165,"end":274.21},{"sentences":[{"text":"55 to one.","start":275.39,"end":276.51,"sentiment":"neutral","sentiment_score":0.023937071363131206},{"text":"Yep.","start":276.51,"end":277.01,"sentiment":"neutral","sentiment_score":0.058245547115802765},{"text":"Yeah.","start":280.99,"end":281.47,"sentiment":"neutral","sentiment_score":0.06572845578193665},{"text":"Look.","start":281.47,"end":281.79,"sentiment":"neutral","sentiment_score":0.0707673653960228},{"text":"Yeah.","start":281.79,"end":281.95,"sentiment":"neutral","sentiment_score":0.07385165989398956}],"sentiment":"neutral","sentiment_score":0.04862917746816363,"num_words":7,"start":275.39,"end":281.95},{"sentences":[{"text":"Yeah.","start":281.95,"end":282.19,"sentiment":"neutral","sentiment_score":0.07347093522548676},{"text":"Yeah.","start":282.19,"end":282.43,"sentiment":"neutral","sentiment_score":0.07168907672166824},{"text":"Yeah.","start":282.43,"end":282.51,"sentiment":"neutral","sentiment_score":0.07229927182197571},{"text":"Yeah.","start":282.51,"end":283.01,"sentiment":"neutral","sentiment_score":0.06613323837518692},{"text":"Yeah.","start":283.07,"end":283.23,"sentiment":"neutral","sentiment_score":0.0548497810959816}],"sentiment":"neutral","sentiment_score":0.06768846064805985,"num_words":5,"start":281.95,"end":283.23},{"sentences":[{"text":"In other words, is it all the yeah.","start":283.23,"end":285.47,"sentiment":"neutral","sentiment_score":0.04686113353818655},{"text":"Correct.","start":285.47,"end":285.97,"sentiment":"neutral","sentiment_score":0.09490486234426498},{"text":"Yes.","start":288.915,"end":289.415,"sentiment":"neutral","sentiment_score":0.09258180856704712},{"text":"Correct.","start":289.475,"end":289.975,"sentiment":"neutral","sentiment_score":0.10523197054862976},{"text":"I didn't actually put much thought into it, but I would say our I guess our the mode so right now, probably if you look at what's outgoing with the I mean, the mortgages and other expenses, maybe having close to 10,000 a 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variable.","start":408.15002,"end":409.29,"sentiment":"neutral","sentiment_score":0.010172615200281144},{"text":"I'm only been with them for four months now, but I haven't experienced it yet in terms of what the number looks like.","start":410.07,"end":416.95,"sentiment":"neutral","sentiment_score":-0.035151329134469445},{"text":"Yep.","start":416.95,"end":417.45,"sentiment":"neutral","sentiment_score":0.0637231394648552},{"text":"Look.","start":429.995,"end":430.23502,"sentiment":"neutral","sentiment_score":0.051388293504714966}],"sentiment":"neutral","sentiment_score":-0.01926247985853303,"num_words":31,"start":407.83002,"end":430.23502},{"sentences":[{"text":"That probably will be around 1.4 now.","start":430.23502,"end":432.575,"sentiment":"neutral","sentiment_score":0.0462051374571664},{"text":"It's 1.01.","start":440.45,"end":442.07,"sentiment":"neutral","sentiment_score":0.005037592840380967},{"text":"Yep.","start":449.835,"end":450.335,"sentiment":"neutral","sentiment_score":0.033587321639060974},{"text":"Yep.","start":457.16248,"end":457.66248,"sentiment":"neutral","sentiment_score":0.10670171678066254},{"text":"Yep.","start":472.88998,"end":473.38998,"sentiment":"neutral","sentiment_score":0.1182306557893753}],"sentiment":"neutral","sentiment_score":0.04933590350750213,"num_words":12,"start":430.23502,"end":473.38998},{"sentences":[{"text":"That's the what we took it for, but it should be around $6,000.","start":473.44998,"end":476.33,"sentiment":"neutral","sentiment_score":0.1302133363026839},{"text":"But yeah.","start":476.33,"end":477.06998,"sentiment":"neutral","sentiment_score":0.07002951204776764},{"text":"So before, you know, we started talking to yourselves, my my vision was, we had investment options where they were looking after the obligations where, you know, it was generating income and income was paying off for any finances or whatnot.","start":501.18,"end":518.235,"sentiment":"neutral","sentiment_score":0.02618707650023081},{"text":"Right?","start":518.235,"end":518.475,"sentiment":"neutral","sentiment_score":0.053070589900016785},{"text":"So it's kind of self sufficient.","start":518.475,"end":520.495,"sentiment":"neutral","sentiment_score":0.07119768237074216}],"sentiment":"neutral","sentiment_score":0.053758082804196174,"num_words":63,"start":473.44998,"end":520.495},{"sentences":[{"text":"So that 10,000 figure is basically what's go what's outgoing to meet our notes.","start":520.97003,"end":526.01,"sentiment":"neutral","sentiment_score":0.10651845192270619},{"text":"But, technically, I want the investments to pretty much take care of themselves where the income is taking care of the expenses.","start":526.01,"end":532.43005,"sentiment":"neutral","sentiment_score":0.04775099151513793},{"text":"Yeah.","start":540.22504,"end":540.72504,"sentiment":"neutral","sentiment_score":0.006668839603662491},{"text":"Yeah.","start":541.505,"end":541.745,"sentiment":"neutral","sentiment_score":0.05084145814180374},{"text":"Look, as I said, because the loan is thirty years for the property we are in, and it's we only, like, four years into it.","start":541.745,"end":549.33,"sentiment":"neutral","sentiment_score":0.05417975276708603}],"sentiment":"neutral","sentiment_score":0.06275848027259584,"num_words":63,"start":520.97003,"end":549.33},{"sentences":[{"text":"Right?","start":549.79004,"end":550.29004,"sentiment":"neutral","sentiment_score":0.06495380401611328},{"text":"But we wanna do it in such a way so that when my I mean, obviously, my son is taken care of because, obviously, he's the only son for us.","start":552.59,"end":560.11,"sentiment":"neutral","sentiment_score":0.1272396410504977},{"text":"So in other words, the investments are maturing in a way so that, you know, it's so he doesn't get impacted, then the time comes for himself, if that makes sense.","start":560.11,"end":569.405,"sentiment":"neutral","sentiment_score":0.18494619332974957},{"text":"Yeah.","start":569.405,"end":569.905,"sentiment":"neutral","sentiment_score":0.1567264348268509},{"text":"The surplus cash flow at the moment.","start":595.31494,"end":597.39496,"sentiment":"neutral","sentiment_score":0.01176734694412776}],"sentiment":"neutral","sentiment_score":0.1407796127455575,"num_words":70,"start":549.79004,"end":597.39496},{"sentences":[{"text":"We both just said we just changed jobs.","start":597.39496,"end":600.435,"sentiment":"neutral","sentiment_score":-0.0486120767891407},{"text":"So we're actually in the in the first four months, five months of our jobs and haven't got any savings saved up as such.","start":600.435,"end":607.18,"sentiment":"neutral","sentiment_score":-0.01494206084559361},{"text":"Having said that, we can look at around, say, $506,100 dollars a month at this stage.","start":607.64,"end":613.64,"sentiment":"neutral","sentiment_score":0.15721592959016562},{"text":"It could go up.","start":613.64,"end":614.36,"sentiment":"neutral","sentiment_score":0.30550527572631836},{"text":"It's just right initial stage.","start":614.36,"end":615.56,"sentiment":"neutral","sentiment_score":0.32753555178642274}],"sentiment":"neutral","sentiment_score":0.08118680106443271,"num_words":57,"start":597.39496,"end":615.56},{"sentences":[{"text":"It should be that amount.","start":615.56,"end":616.715,"sentiment":"neutral","sentiment_score":0.30343573093414306},{"text":"Yep.","start":623.72253,"end":624.22253,"sentiment":"neutral","sentiment_score":0.10108830779790878},{"text":"I said again today.","start":634.19,"end":635.14996,"sentiment":"neutral","sentiment_score":0.07693972438573837},{"text":"My phone was just gonna be there.","start":635.14996,"end":636.76996,"sentiment":"neutral","sentiment_score":-0.0066458652062075475},{"text":"Yeah.","start":637.94995,"end":638.35,"sentiment":"neutral","sentiment_score":0.08467695862054825}],"sentiment":"neutral","sentiment_score":0.10912120901048183,"num_words":18,"start":615.56,"end":638.35},{"sentences":[{"text":"You go ahead.","start":638.35,"end":639.08997,"sentiment":"neutral","sentiment_score":0.03846738735834757},{"text":"Mhmm.","start":641.07,"end":641.57,"sentiment":"neutral","sentiment_score":0.04440603032708168},{"text":"To be honest, I don't have a number, but then again, I would like to leverage my equity in my property to do that.","start":658.155,"end":663.74,"sentiment":"neutral","sentiment_score":0.00967866616944472},{"text":"So I'm not sure what the demand would be, so that's advice I'll be needing on.","start":663.96,"end":668.3,"sentiment":"neutral","sentiment_score":-0.12006057798862457},{"text":"So, yeah, so, technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things?","start":672.68,"end":684.635,"sentiment":"neutral","sentiment_score":0.16139129201571148}],"sentiment":"neutral","sentiment_score":0.044768455312461465,"num_words":74,"start":638.35,"end":684.635},{"sentences":[{"text":"Mhmm.","start":699.86,"end":700.25995,"sentiment":"neutral","sentiment_score":0.11857573688030244},{"text":"Mhmm.","start":700.25995,"end":700.755,"sentiment":"neutral","sentiment_score":0.04981156811118126},{"text":"Mhmm.","start":706.355,"end":706.855,"sentiment":"neutral","sentiment_score":-0.02732236124575138},{"text":"Mhmm.","start":739.875,"end":740.375,"sentiment":"neutral","sentiment_score":-0.012799559161067007},{"text":"Sure.","start":758.28503,"end":758.78503,"sentiment":"positive","sentiment_score":0.4468469023704529}],"sentiment":"neutral","sentiment_score":0.11502245739102364,"num_words":5,"start":699.86,"end":758.78503},{"sentences":[{"text":"Sure.","start":762.36505,"end":762.86505,"sentiment":"neutral","sentiment_score":0.1761687695980072},{"text":"Yeah.","start":765.48505,"end":765.80505,"sentiment":"neutral","sentiment_score":0.19781380891799927},{"text":"I do.","start":765.80505,"end":766.125,"sentiment":"neutral","sentiment_score":0.25484901666641235},{"text":"Yeah.","start":766.125,"end":766.28503,"sentiment":"neutral","sentiment_score":0.22400349378585815},{"text":"Yeah.","start":766.28503,"end":766.525,"sentiment":"neutral","sentiment_score":0.275995135307312}],"sentiment":"neutral","sentiment_score":0.2306132068236669,"num_words":6,"start":762.36505,"end":766.525},{"sentences":[{"text":"Yeah.","start":766.525,"end":767.025,"sentiment":"neutral","sentiment_score":0.32229259610176086},{"text":"Sure.","start":777.79,"end":778.29,"sentiment":"positive","sentiment_score":0.3365081250667572},{"text":"I don't have those figures handy.","start":785.325,"end":787.565,"sentiment":"neutral","sentiment_score":0.009106883158286413},{"text":"Sorry.","start":787.565,"end":787.885,"sentiment":"neutral","sentiment_score":0.01528860256075859},{"text":"But I can if you can send me an email, I can, by today, get your numbers across.","start":787.885,"end":792.045,"sentiment":"neutral","sentiment_score":0.126055672350857}],"sentiment":"neutral","sentiment_score":0.11102713796275633,"num_words":27,"start":766.525,"end":792.045},{"sentences":[{"text":"Yeah.","start":792.045,"end":792.545,"sentiment":"neutral","sentiment_score":0.17310602962970734},{"text":"Yep.","start":800.18005,"end":800.68005,"sentiment":"neutral","sentiment_score":0.1696174144744873},{"text":"Yeah.","start":808.435,"end":808.83496,"sentiment":"neutral","sentiment_score":0.1282573640346527},{"text":"And the other thing with the cars, we have it on no weighted leases.","start":808.83496,"end":813.71497,"sentiment":"neutral","sentiment_score":0.046583389065095356},{"text":"So, basically, it's through a loan.","start":813.71497,"end":815.57495,"sentiment":"neutral","sentiment_score":0.0174567725819846}],"sentiment":"neutral","sentiment_score":0.05338647350183,"num_words":23,"start":792.045,"end":815.57495},{"sentences":[{"text":"Yeah.","start":815.635,"end":816.115,"sentiment":"neutral","sentiment_score":0.017839550971984863},{"text":"Yeah.","start":816.115,"end":816.355,"sentiment":"neutral","sentiment_score":0.0027227522805333138},{"text":"No weighted lease.","start":816.355,"end":817.07495,"sentiment":"neutral","sentiment_score":-0.03981015831232071},{"text":"Yep.","start":817.07495,"end":817.57495,"sentiment":"neutral","sentiment_score":0.07982633262872696},{"text":"Sure.","start":824.32,"end":824.56,"sentiment":"neutral","sentiment_score":0.20797234773635864}],"sentiment":"neutral","sentiment_score":0.026990072668663094,"num_words":7,"start":815.635,"end":824.56},{"sentences":[{"text":"It's fine.","start":824.56,"end":825.38,"sentiment":"neutral","sentiment_score":0.20055917650461197},{"text":"Mhmm.","start":874.695,"end":875.195,"sentiment":"neutral","sentiment_score":-0.1123737096786499},{"text":"Sure.","start":881.44,"end":881.94,"sentiment":"neutral","sentiment_score":-0.073155477643013},{"text":"I think for me, at the end of the day, is just looking at the numbers and what, I guess, each profile looks like.","start":910.93,"end":918.055,"sentiment":"neutral","sentiment_score":0.12979699469481906},{"text":"Yeah.","start":919.555,"end":919.79504,"sentiment":"neutral","sentiment_score":0.02170885913074017}],"sentiment":"neutral","sentiment_score":0.11560089301703305,"num_words":29,"start":824.56,"end":919.79504},{"sentences":[{"text":"Because, as I said, now it's kind of coming towards the, I guess, the latter quarter of Korea and whatnot.","start":919.79504,"end":926.675,"sentiment":"neutral","sentiment_score":0.004814855242148042},{"text":"So I guess for us, time is premium.","start":926.675,"end":929.27,"sentiment":"neutral","sentiment_score":0.015414661727845669},{"text":"And if if we take anything that any mistake and that, you know, that could put us back again a few years.","start":929.65,"end":936.31006,"sentiment":"neutral","sentiment_score":-0.20208951881663365},{"text":"But also for me, I think having an approach where we have certain level of guarantee of income coming through and whatever approach is needed for that.","start":936.53,"end":944.975,"sentiment":"neutral","sentiment_score":0.06014782949178307},{"text":"I'm happy to look into that.","start":945.035,"end":946.15497,"sentiment":"neutral","sentiment_score":0.3086172640323639}],"sentiment":"neutral","sentiment_score":-0.009044096805155277,"num_words":83,"start":919.79504,"end":946.15497},{"sentences":[{"text":"But I'll be curious to know what the difference would be with a high growth than a, let's say, moderate growth.","start":946.15497,"end":951.515,"sentiment":"neutral","sentiment_score":-0.01250312632570664},{"text":"Yeah.","start":951.515,"end":952.015,"sentiment":"neutral","sentiment_score":0.06543198227882385},{"text":"Yep.","start":963.14,"end":963.64,"sentiment":"neutral","sentiment_score":0.14970672130584717},{"text":"Yep.","start":968.9,"end":969.4,"sentiment":"neutral","sentiment_score":0.085549496114254},{"text":"Yep.","start":970.66,"end":971.16,"sentiment":"neutral","sentiment_score":0.080703966319561}],"sentiment":"neutral","sentiment_score":0.0047530605271458625,"num_words":25,"start":946.15497,"end":971.16},{"sentences":[{"text":"Mhmm.","start":986.38,"end":986.88,"sentiment":"neutral","sentiment_score":0.013425135985016825},{"text":"Yeah.","start":987.98004,"end":988.46,"sentiment":"neutral","sentiment_score":0.023196808993816376},{"text":"And and the sorry.","start":988.46,"end":990.30005,"sentiment":"neutral","sentiment_score":-0.03385147685185075},{"text":"Go 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insurances.","start":1007.51495,"end":1015.23004,"sentiment":"neutral","sentiment_score":0.04847682826220989},{"text":"I know she's got insurance through Australian Super as part of the default supernation scheme, but I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind.","start":1016.25,"end":1030.585,"sentiment":"neutral","sentiment_score":0.2333194240019089}],"sentiment":"neutral","sentiment_score":0.2288715027153809,"num_words":94,"start":996.07495,"end":1030.585},{"sentences":[{"text":"I mean, she hasn't, looked into in more detail, but, yeah, I just want something similar set up for her as 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conversation.","start":1075.11,"end":1079.77,"sentiment":"neutral","sentiment_score":-0.013654795164863268},{"text":"But I wasn't sure.","start":1079.83,"end":1080.79,"sentiment":"neutral","sentiment_score":-0.06285196356475353},{"text":"Does it need to happen as part of this conversation.","start":1080.79,"end":1084.105,"sentiment":"neutral","sentiment_score":-0.049092714488506314},{"text":"Can it happen separately?","start":1084.1649,"end":1085.385,"sentiment":"neutral","sentiment_score":-0.024433043785393238}],"sentiment":"neutral","sentiment_score":-0.026368864002111164,"num_words":46,"start":1074.95,"end":1085.385},{"sentences":[{"text":"Because I want to obviously have it happen.","start":1085.445,"end":1087.7649,"sentiment":"neutral","sentiment_score":-0.03458987222984433},{"text":"Have you been yeah.","start":1087.7649,"end":1089.3049,"sentiment":"neutral","sentiment_score":-0.02887263521552086},{"text":"Yeah.","start":1090.245,"end":1090.745,"sentiment":"neutral","sentiment_score":0.013175347819924356},{"text":"Yep.","start":1110.305,"end":1110.805,"sentiment":"neutral","sentiment_score":-0.04789010435342789},{"text":"Yeah.","start":1122.37,"end":1122.61,"sentiment":"neutral","sentiment_score":0.28890472650527954}],"sentiment":"neutral","sentiment_score":-0.009201303248604138,"num_words":15,"start":1085.445,"end":1122.61},{"sentences":[{"text":"That's fine.","start":1122.61,"end":1123.4299,"sentiment":"positive","sentiment_score":0.39318032562732697},{"text":"And just one other thing, though.","start":1125.09,"end":1126.53,"sentiment":"neutral","sentiment_score":0.11172949771086375},{"text":"So when you're looking at so obviously, now we're looking at the holistic approach.","start":1126.53,"end":1129.09,"sentiment":"neutral","sentiment_score":0.18219551337616785},{"text":"Right?","start":1129.09,"end":1129.59,"sentiment":"neutral","sentiment_score":0.1922338306903839},{"text":"The other thing is with the super that we have in play I have in play.","start":1129.8099,"end":1133.75,"sentiment":"neutral","sentiment_score":0.10591951897367835}],"sentiment":"neutral","sentiment_score":0.15113899895013908,"num_words":39,"start":1122.61,"end":1133.75},{"sentences":[{"text":"So, for example, if I reached my age where, obviously, well, I mean, if I were to go up to 60 or 60, what is the retirement age again?","start":1133.89,"end":1145.285,"sentiment":"neutral","sentiment_score":-0.061268619422254894},{"text":"Mhmm.","start":1159.0,"end":1159.5,"sentiment":"neutral","sentiment_score":-0.097982220351696},{"text":"Yeah.","start":1159.96,"end":1160.46,"sentiment":"neutral","sentiment_score":-0.06748214364051819},{"text":"So so if I went on to where, like, you know, I'm deciding to slow down and I want to access my super or whatnot in 60, where would where would my super be at, and is it sufficient considering how things are going?","start":1161.72,"end":1174.395,"sentiment":"neutral","sentiment_score":-0.043343139473687516},{"text":"Yep.","start":1180.2,"end":1180.7,"sentiment":"neutral","sentiment_score":0.0951232612133026}],"sentiment":"neutral","sentiment_score":-0.04939775266929677,"num_words":76,"start":1133.89,"end":1180.7},{"sentences":[{"text":"Sure.","start":1197.8849,"end":1197.965,"sentiment":"neutral","sentiment_score":0.07086367905139923},{"text":"Yeah.","start":1197.965,"end":1198.465,"sentiment":"neutral","sentiment_score":0.05041861906647682},{"text":"Sure.","start":1198.7649,"end":1199.1649,"sentiment":"neutral","sentiment_score":0.035194139927625656},{"text":"Yep.","start":1199.1649,"end":1199.6649,"sentiment":"neutral","sentiment_score":0.01337882410734892},{"text":"Yep.","start":1204.21,"end":1204.71,"sentiment":"neutral","sentiment_score":0.26965275406837463}],"sentiment":"neutral","sentiment_score":0.08790160324424505,"num_words":5,"start":1197.8849,"end":1204.71},{"sentences":[{"text":"Yep.","start":1271.87,"end":1272.11,"sentiment":"neutral","sentiment_score":0.07799886912107468},{"text":"No.","start":1272.11,"end":1272.35,"sentiment":"neutral","sentiment_score":-0.024431128054857257},{"text":"Look.","start":1272.35,"end":1272.5901,"sentiment":"neutral","sentiment_score":0.015743982046842575},{"text":"I think that's the same way to go.","start":1272.5901,"end":1275.435,"sentiment":"neutral","sentiment_score":0.07474090438336134},{"text":"Obviously, the speakers have provided us based on, I guess, our tiny world in terms of what we are looking at.","start":1275.5951,"end":1280.635,"sentiment":"neutral","sentiment_score":0.04348398975673176}],"sentiment":"neutral","sentiment_score":0.04938758572097868,"num_words":32,"start":1271.87,"end":1280.635},{"sentences":[{"text":"But I think from your point of view, typically, you know, a family like us and as we're heading towards retirement, so any any other costs or anything, any allocation we need to consider, a recommendation on that would that would be great to know because, as I said, we could have missed things which we probably should have considered, you know, especially going to a part time and any money allocation we need to be aware of.","start":1280.635,"end":1302.6799,"sentiment":"neutral","sentiment_score":0.03358189482241869},{"text":"Yeah.","start":1302.6799,"end":1303.1799,"sentiment":"neutral","sentiment_score":0.013825790956616402},{"text":"Sure.","start":1309.375,"end":1309.875,"sentiment":"neutral","sentiment_score":0.001673588529229164},{"text":"I think no.","start":1321.98,"end":1322.86,"sentiment":"neutral","sentiment_score":-0.08188993483781815},{"text":"I think we'll no.","start":1322.86,"end":1323.9199,"sentiment":"neutral","sentiment_score":-0.09142729640007019}],"sentiment":"neutral","sentiment_score":0.023258714776100784,"num_words":87,"start":1280.635,"end":1323.9199},{"sentences":[{"text":"Look.","start":1324.0599,"end":1324.2999,"sentiment":"neutral","sentiment_score":-0.0548233650624752},{"text":"Look.","start":1324.2999,"end":1324.5399,"sentiment":"neutral","sentiment_score":-0.047273874282836914},{"text":"I think it'll it'll exclude 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have.","start":1338.2749,"end":1340.5149,"sentiment":"neutral","sentiment_score":-0.10927840428692955},{"text":"So they didn't exist.","start":1340.5149,"end":1341.8949,"sentiment":"neutral","sentiment_score":-0.18504464626312256}],"sentiment":"neutral","sentiment_score":-0.007873344991821796,"num_words":32,"start":1331.1549,"end":1341.8949},{"sentences":[{"text":"Right?","start":1342.5,"end":1342.66,"sentiment":"neutral","sentiment_score":-0.06069764122366905},{"text":"It's money that we could invest and money we can use for ourselves for well-being, if that makes 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think she's all changed jobs.","start":1436.55,"end":1437.8301,"sentiment":"neutral","sentiment_score":-0.015320853640635809},{"text":"And as I said, she's been on the AustralianSuper.","start":1437.8301,"end":1439.53,"sentiment":"neutral","sentiment_score":0.041205044421884746},{"text":"So what the AustralianSuper offers is basically what she's got.","start":1439.8301,"end":1443.13,"sentiment":"neutral","sentiment_score":0.09454951137304306},{"text":"200,000 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call.","start":1532.745,"end":1538.46,"sentiment":"neutral","sentiment_score":0.0939679573241033},{"text":"So if I know what that you that you want this information, then I can go from there.","start":1538.46,"end":1541.8201,"sentiment":"neutral","sentiment_score":0.03359289881255892},{"text":"Yeah.","start":1541.8201,"end":1542.3201,"sentiment":"positive","sentiment_score":0.43171626329422},{"text":"That's okay.","start":1549.875,"end":1550.435,"sentiment":"neutral","sentiment_score":0.252614364027977},{"text":"That's fine.","start":1550.435,"end":1551.255,"sentiment":"neutral","sentiment_score":0.3286355137825012}],"sentiment":"neutral","sentiment_score":0.09486379492140952,"num_words":42,"start":1532.745,"end":1551.255},{"sentences":[{"text":"Yeah.","start":1551.3151,"end":1551.8151,"sentiment":"positive","sentiment_score":0.45634764432907104},{"text":"Look, I think what I what I want to know, you can probably send me an email on that, is always so based on the advice you give us, in terms of implementation of the actual program itself, right, does does your firm do that, or do I need to go with that road map to then do it myself?","start":1559.155,"end":1578.03,"sentiment":"neutral","sentiment_score":0.02707333080470562},{"text":"Okay.","start":1580.73,"end":1581.165,"sentiment":"neutral","sentiment_score":0.08162811398506165},{"text":"Alright.","start":1581.3251,"end":1581.8251,"sentiment":"neutral","sentiment_score":0.10931450128555298},{"text":"Yep.","start":1587.405,"end":1587.905,"sentiment":"neutral","sentiment_score":0.030472811311483383}],"sentiment":"neutral","sentiment_score":0.035971295612398535,"num_words":64,"start":1551.3151,"end":1587.905},{"sentences":[{"text":"Okay.","start":1592.285,"end":1592.685,"sentiment":"neutral","sentiment_score":0.08755048364400864},{"text":"Alright.","start":1592.685,"end":1593.0851,"sentiment":"neutral","sentiment_score":0.06900687515735626},{"text":"So I just wanna know what that looks like and what the costs are and, you know, and I'll work out of where that's done.","start":1593.0851,"end":1599.04,"sentiment":"neutral","sentiment_score":0.011851122379302978},{"text":"Yeah.","start":1599.04,"end":1599.54,"sentiment":"neutral","sentiment_score":0.2094036191701889},{"text":"Okay.","start":1604.16,"end":1604.56,"sentiment":"neutral","sentiment_score":0.2911844849586487}],"sentiment":"neutral","sentiment_score":0.032876673186647484,"num_words":29,"start":1592.285,"end":1604.56},{"sentences":[{"text":"That's fine.","start":1604.56,"end":1605.46,"sentiment":"neutral","sentiment_score":0.2701369971036911},{"text":"Alright.","start":1617.5729,"end":1617.8928,"sentiment":"positive","sentiment_score":0.5020195245742798},{"text":"Thank you very much for that.","start":1617.8928,"end":1619.0128,"sentiment":"positive","sentiment_score":0.8166128695011139},{"text":"Cheers.","start":1619.0128,"end":1619.5128,"sentiment":"positive","sentiment_score":0.7344110012054443},{"text":"Thank you.","start":1621.6528,"end":1622.0529,"sentiment":"positive","sentiment_score":0.668756365776062}],"sentiment":"positive","sentiment_score":0.6678245390454928,"num_words":12,"start":1604.56,"end":1622.0529},{"sentences":[{"text":"Bye.","start":1622.0529,"end":1622.5529,"sentiment":"positive","sentiment_score":0.35411423444747925},{"text":"Bye.","start":1622.6128,"end":1623.1128,"sentiment":"neutral","sentiment_score":0.22173087298870087}],"sentiment":"neutral","sentiment_score":0.28792255371809006,"num_words":2,"start":1622.0529,"end":1623.1128}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. This is Jenniferning from Oakview Financial. How are you today?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I'm very well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Sure.\n\nChannel 0: Sure. And can I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Entergy Delancoin, 11/26/1980. 32 Tuan Street, Victoria Park, WA.\n\nChannel 0: Lovely. Thanks for that. And is it okay if I call you Indie?\n\nChannel 1: That's fine.\n\nChannel 0: Lovely. Thank you. The purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options. Did you have time to do that now?\n\nChannel 1: Yes. We can.\n\nChannel 0: Yeah? Beautiful. So, Indi, in your words, what is it that you're hoping to achieve by looking\n\nChannel 1: Into\n\nChannel 0: into\n\nChannel 1: investment, you mean?\n\nChannel 0: this. Yeah.\n\nChannel 1: Yep. Okay. Look. Both myself and my wife, we are, I guess, engineering professionals, and I'm turning 46 and my wife is turning 41. And, basically, we are looking at, I guess, income streams to have on the side versus our day to day, I guess, career jobs, if that makes sense.\n\nChannel 0: Mhmm.\n\nChannel 1: Ideally, I want to be in a position where if when I enter my fifties that I have income streams supplementing income versus\n\nChannel 0: Yep.\n\nChannel 1: me relying on my day to day job, likewise, my\n\nChannel 0: Yes.\n\nChannel 1: wife as well.\n\nChannel 0: Yep.\n\nChannel 1: Just to put in a perspective, going back September last year, I was made with London with the previous job.\n\nChannel 0: Yep.\n\nChannel 1: And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: stressful. So I just don't want to be in another situation like that again. I mean, investment has always been in the pipeline for us to do it, but now it's more what can we do. And I don't want to wait till sixty years to wait for retirement funds to come into play. So\n\nChannel 0: Yeah.\n\nChannel 1: we want\n\nChannel 0: Of\n\nChannel 1: to\n\nChannel 0: course.\n\nChannel 1: be able to, you know, ease into retirement rather than waiting till eleventh hour.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: that's understandable.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep. And the other\n\nChannel 0: I\n\nChannel 1: aspect of it is we have one child. He's an younger boy,\n\nChannel 0: yep.\n\nChannel 1: and we are planning to put him through private school doing starting next year. Right? So\n\nChannel 0: Yep.\n\nChannel 1: once again, being able to have some sort of income stream where as we're able to supplement his school fees as well to certain extent. That way,\n\nChannel 0: Yep.\n\nChannel 1: you know, it is all managed and, you know, it's it's stressing for having a high end full time\n\nChannel 0: Okay. So that's all that's wonderful information. Thank you. I can definitely work with that. So with the\n\nChannel 1: job.\n\nChannel 0: private school, how much is the tuition per annum, and how long will that need to\n\nChannel 1: Look. For the for the first two years, I think it's up to year seven. Right?\n\nChannel 0: last? Yep. Yep.\n\nChannel 1: Where are we? Year four is going year four. So year four to year six or year seven, it's around thousand 200 a month.\n\nChannel 0: 1,200 per month.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: And then once it goes into the senior school realm, it\n\nChannel 0: Yep.\n\nChannel 1: goes up to this is anywhere around 15 to $16,000 a year.\n\nChannel 0: Okay. Per annum. So that's from year eight to year 12.\n\nChannel 1: Yeah.\n\nChannel 0: Is that right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. Okay. So if you said in your fifties, look at supplementing an income stream. To be a little bit more specific, what what age in your fifties?\n\nChannel 1: Okay. I'm 46 now. Right? Let's\n\nChannel 0: Yep.\n\nChannel 1: give us\n\nChannel 0: Yep.\n\nChannel 1: 10 let's give us a six to eight years. So how are\n\nChannel 0: Six\n\nChannel 1: we?\n\nChannel 0: to eight\n\nChannel 1: I'm\n\nChannel 0: years?\n\nChannel 1: 40 54. Let's say by the time I reach 55. Alright?\n\nChannel 0: Yep. 55?\n\nChannel 1: 55 to one. Yep.\n\nChannel 0: Okay. And you'd like to ease to part time, essentially?\n\nChannel 1: Yeah. Look. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. In other words,\n\nChannel 0: Well,\n\nChannel 1: is it\n\nChannel 0: have\n\nChannel 1: all the yeah. Correct.\n\nChannel 0: have the ability to if you want to.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Okay. So on top of the school tuition, what what income would you need what amount of income would you need to supplement?\n\nChannel 1: I didn't actually put much thought into it, but I would say our I guess our the mode so right now, probably if you look at what's outgoing with the I mean,\n\nChannel 0: Yep.\n\nChannel 1: the mortgages and other expenses, maybe having close to 10,000 a month.\n\nChannel 0: 10,000 per month. And that would be the supplement of your income, or is that the total need?\n\nChannel 1: Okay. So you were asking the total linked way supplement. Which one are we\n\nChannel 0: No.\n\nChannel 1: asking\n\nChannel 0: The\n\nChannel 1: for?\n\nChannel 0: yeah. No. I'm just clarifying what the 10,000 refers to. So that's the amount you need supplemented. Is that right?\n\nChannel 1: Yeah. That is to be the mortgage\n\nChannel 0: Yep.\n\nChannel 1: is through any of the financial obligations we have. Yep.\n\nChannel 0: Yep. Okay. Fantastic. Alright. That's that's fine.\n\nI have got those figures written down. What I might do is I might just run through a quick overview of your of your personal and financial situation just to make sure I've got everything\n\nChannel 1: Yep.\n\nChannel 0: accurate. So are you still an area manager engineer?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Still working full time? Yeah. Okay.\n\nAnd I've got your income here as $1.80. Is that correct?\n\nChannel 1: Yes. Yes.\n\nChannel 0: And you may get bonuses as well.\n\nChannel 1: Yes. So that is a variable. I'm only been with them for four months now, but I\n\nChannel 0: Yep.\n\nChannel 1: haven't experienced it yet in terms of what the number looks like. Yep.\n\nChannel 0: That's okay. That's fine. And we have your principal place of residence valued at $1,125,000. Is that right?\n\nChannel 1: Look. That probably will be around 1.4 now.\n\nChannel 0: Yeah. And we have the debt recorded as 960,000. Is that accurate?\n\nChannel 1: It's 1.01.\n\nChannel 0: Okay. And a car valued at 90\n\nChannel 1: Yep.\n\nChannel 0: $4,000 with debt of the same amount. Yes. And a Latitude\n\nChannel 1: Yep.\n\nChannel 0: personal loan of 36,000, a Latitude credit card with an outstanding balance of 5,000, and a solar system loan of 10,000.\n\nChannel 1: Yep. That's the what we took it for, but it should be around $6,000. But yeah.\n\nChannel 0: 6,000. Okay. Wonderful. So when you transition into, say, at 55, is there an are you planning on having debts repaid? What what's your goals there?\n\nOr is it is does that 10,000 a month cover the the repayment of debts and maintain those?\n\nChannel 1: So before, you know, we started talking to yourselves, my my vision was, we had investment options where they were looking after the obligations where, you know, it was generating income and income was paying off for any finances or whatnot. Right? So it's kind of\n\nChannel 0: Mhmm.\n\nChannel 1: self sufficient. So that\n\nChannel 0: Yes.\n\nChannel 1: 10,000 figure is basically what's go what's outgoing to meet our notes. But, technically, I want the investments to pretty much take care of themselves where the income is taking care of the expenses.\n\nChannel 0: Mhmm. Yep. Okay. So you so you'll just continue to pay them the debts until\n\nChannel 1: Yeah.\n\nChannel 0: they're yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Look, as I said,\n\nChannel 0: okay.\n\nChannel 1: because the loan is thirty years for the property we are in, and it's we only, like, four years into it. Right?\n\nChannel 0: Yeah. Of course. Yeah. Of course.\n\nChannel 1: But we wanna do it in such a way so that when my I mean, obviously, my son is taken care of because, obviously, he's the only son\n\nChannel 0: Mhmm.\n\nChannel 1: for us. So in other words, the investments are maturing in a way so that, you know, it's\n\nChannel 0: Yep.\n\nChannel 1: so he doesn't get impacted, then the time comes for himself, if that makes sense. Yeah.\n\nChannel 0: Yeah. Of course. That makes sense. We can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month. Did you have what is your surplus cash flow that you can put into our portfolio?\n\nChannel 1: The surplus cash flow at the moment. We both just said we just changed jobs. So we're actually in the in the first four months, five months of our jobs and haven't got any savings saved up as such. Having said that, we can look at around, say, $506,100 dollars a month at this stage. It could go up.\n\nIt's just right initial stage. It should be that amount.\n\nChannel 0: Yeah. Okay. Generally, when we look at an investment portfolio, there is a minimum\n\nChannel 1: Yep.\n\nChannel 0: initial investment that you do need to make. What position, what amount would that be for you? Because that can help us dictate what we recommend.\n\nChannel 1: I said again today. My phone was just gonna be there.\n\nChannel 0: No. That's okay. So\n\nChannel 1: Yeah.\n\nChannel 0: when we\n\nChannel 1: You go\n\nChannel 0: look\n\nChannel 1: ahead.\n\nChannel 0: at an investment portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: there's usually an initial investment lump sum that needs to be made. Based on your current financial situation, what amount would you have the ability to contribute as an initial amount to have that set up.\n\nChannel 1: To be honest, I don't have a number, but then again, I would like to leverage my equity in my property to do that. So I'm not\n\nChannel 0: Okay.\n\nChannel 1: sure what the demand would be, so that's advice I'll be needing on.\n\nChannel 0: Okay. I will have a play with\n\nChannel 1: So,\n\nChannel 0: some figures with that.\n\nChannel 1: yeah, so,\n\nChannel 0: Yep.\n\nChannel 1: technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things?\n\nChannel 0: Okay. The other thing that I just wanted to probably raise is there's definitely a great plan in building a portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: What\n\nChannel 1: Mhmm.\n\nChannel 0: I would be interested in knowing from an advice perspective, so I can just run some figures to see\n\nChannel 1: Mhmm.\n\nChannel 0: what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it. The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to\n\nChannel 1: Mhmm.\n\nChannel 0: what the portfolio can realistically generate. So it might work out that we look at accelerating repayment on those, not your home. Your home's fine, but the other loans to free up more cash flow so that\n\nChannel 1: Sure.\n\nChannel 0: we can build the wealth that way. So\n\nChannel 1: Sure.\n\nChannel 0: I'd I'd really like to under does that make sense?\n\nChannel 1: Yeah. I do. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. So because, you know, that could alleviate a a significant amount of cash flow for you each week or month that we can then use to build wealth. So\n\nChannel 1: Sure.\n\nChannel 0: if do you have that handy, or would you like me to send you an email post our meeting so I\n\nChannel 1: I don't have those figures\n\nChannel 0: can\n\nChannel 1: handy. Sorry. But I can if you can send me an email, I can, by today,\n\nChannel 0: of course.\n\nChannel 1: get your numbers across. Yeah.\n\nChannel 0: Yeah. Absolutely. I can do that. It's just a different a different approach that we look\n\nChannel 1: Yep.\n\nChannel 0: at as well. So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster.\n\nChannel 1: Yeah. And the other thing with the cars, we have it on no weighted leases. So, basically,\n\nChannel 0: Are\n\nChannel 1: it's\n\nChannel 0: the cars\n\nChannel 1: through a\n\nChannel 0: in\n\nChannel 1: loan.\n\nChannel 0: a lease?\n\nChannel 1: Yeah. Yeah. No weighted lease.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Alright. That's fine. We can do that.\n\nI'll still just get you to send me through the details of what the lease is and\n\nChannel 1: Sure.\n\nChannel 0: what\n\nChannel 1: It's\n\nChannel 0: it's\n\nChannel 1: fine.\n\nChannel 0: costing. We also had you down as a high growth investor. Now typically with a high growth investor, with that being your risk profile, that's a 90% allocation to growth assets being your shares and property listed property and defensive asset exposure of 10% being your fixed interest and cash components of your portfolio. So in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand\n\nChannel 1: Mhmm.\n\nChannel 0: any negative returns, which\n\nChannel 1: Sure.\n\nChannel 0: in in a high growth portfolio, we statistically expect that to be one in every five years. So given that you've told me six to eight years to ease into retirement when we look at that, do you feel like a high growth approach is something you'd be comfortable taking with an investment portfolio, or would you look to downgrade that risk and have an allocation of, say, an eighty twenty split with a minimum time frame of six years for\n\nChannel 1: I think for me, at the end of the day, is just looking at the numbers and what, I guess, each profile looks like.\n\nChannel 0: investment. Mhmm.\n\nChannel 1: Yeah. Because, as I said, now it's kind of coming towards the, I guess, the latter quarter of Korea and whatnot. So I guess for us, time is premium. And if\n\nChannel 0: Yes.\n\nChannel 1: if we take anything that any mistake and that, you know, that could put us back again a few years. But also for me,\n\nChannel 0: Yes.\n\nChannel 1: I think having an approach where we have certain level of guarantee of income coming through and whatever approach is needed for that. I'm happy to look into that. But I'll be curious\n\nChannel 0: Yep.\n\nChannel 1: to know what the difference would be with a high growth than a, let's say, moderate growth. Yeah.\n\nChannel 0: Yes. What I'll do is when I send you that email asking for the details on those the the loans, I'll send through some information on risk profiles and different approaches as well so you've\n\nChannel 1: Yep.\n\nChannel 0: got that information to process and\n\nChannel 1: Yep. Yep.\n\nChannel 0: you wanted us to your portfolio? I note that you've got some insurances, I believe,\n\nChannel 1: Mhmm.\n\nChannel 0: with Cal.\n\nChannel 1: Yeah. And\n\nChannel 0: As they\n\nChannel 1: and the sorry. Go ahead.\n\nChannel 0: yeah. No. You go. That's absolutely\n\nChannel 1: Yeah. Look. I think for us, holistically, between myself and my wife, it's just providing some central security in terms of income streams as we head towards our fifties. That's that's\n\nChannel 0: fine.\n\nChannel 1: quite\n\nChannel 0: Yep.\n\nChannel 1: important.\n\nChannel 0: Yep.\n\nChannel 1: The other aspect is, which we'll probably look at it as part of this or maybe separate, is my wife's insurances. I\n\nChannel 0: Yes.\n\nChannel 1: know she's got\n\nChannel 0: Okay.\n\nChannel 1: insurance through Australian Super as part of the default\n\nChannel 0: Mhmm.\n\nChannel 1: supernation scheme, but\n\nChannel 0: Mhmm.\n\nChannel 1: I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind. I mean, she hasn't, looked into in more detail, but,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I just want something similar set up for her as well. Yes.\n\nChannel 0: Absolutely. I think that's a great idea. I'm having a look at your cover now, and your life and TPD is sitting at around the 2,000,000 mark, which I sufficiently covers debt, but also provides financial security for your wife and your son should the\n\nChannel 1: Yeah.\n\nChannel 0: worst happen. So that's probably something that we definite because with the default cover in your industry funds, I I suspect your wife has very minimal levels of cover. So\n\nChannel 1: Yep.\n\nChannel 0: that's something that we should definitely look at as well. Did she wanna look at her superannuation as well?\n\nChannel 1: Look. Yeah. It's something I mean, I I haven't spoken to her about it, but I I I will talk to her about it and we'll have the conversation. But I wasn't sure. Does it need to happen as part of this conversation.\n\nCan it happen separately? Because I want to obviously have\n\nChannel 0: It\n\nChannel 1: it\n\nChannel 0: can\n\nChannel 1: happen.\n\nChannel 0: definitely\n\nChannel 1: Have you been\n\nChannel 0: happen\n\nChannel 1: yeah.\n\nChannel 0: separately. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. We can focus on the initial goals at the moment given her probably low levels of cover. And if anything, if the worst shall happen to her, that's essentially gonna leave you and your son in a a a bind, let's call it.\n\nChannel 1: Yep.\n\nChannel 0: So we can do that advice for your wife in conjunction with this once you've had a a conversation with her, but it doesn't need to occur in the same doc advice document.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: And just one other thing, though. So when you're looking at so obviously, now we're looking at the holistic approach. Right? The\n\nChannel 0: Yep.\n\nChannel 1: other thing is with the super that we have in play I have in play. So,\n\nChannel 0: Mhmm.\n\nChannel 1: for example, if I reached my age where, obviously, well, I mean, if I were to go up to 60 or 60, what is the retirement\n\nChannel 0: Mhmm.\n\nChannel 1: age again?\n\nChannel 0: So your preservation to age to access super is presently 60, and the Centrelink age pension is 67 currently based and that's based on today's legislation. You know, things can change over time,\n\nChannel 1: Mhmm.\n\nChannel 0: but at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: those are the date the ages.\n\nChannel 1: So so if I went on to where, like, you know, I'm deciding to slow down and I want to access my super or whatnot in 60, where would\n\nChannel 0: Yes.\n\nChannel 1: where would my super be at, and is it sufficient considering how things are going?\n\nChannel 0: That we can include in our projections because what we would take into account is\n\nChannel 1: Yep.\n\nChannel 0: not our projections, our calculations as to estimating that. Now, again, when we estimate it out, it's conservative and needs to be taken at a not a grain of salt, but it needs to be taken that it it is an estimation because market, as you\n\nChannel 1: Sure. Yeah.\n\nChannel 0: you know,\n\nChannel 1: Sure.\n\nChannel 0: are\n\nChannel 1: Yep.\n\nChannel 0: volatile. But they're also given the time, they also recover. So it's\n\nChannel 1: Yep.\n\nChannel 0: it's understanding and having that comfort that we can we can estimate out what it's gonna look like. We can look at building a portfolio to supplement income. But I actually think probably one of the more before we even I know that building out a portfolio outside of super is probably your goal right now. If I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step. And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve.\n\nChannel 1: Yep. No. Look. I think that's the same way to go. Obviously, the speakers\n\nChannel 0: Yep.\n\nChannel 1: have provided us based on, I guess, our tiny world in terms of what we are looking at. But I think from your\n\nChannel 0: Yeah.\n\nChannel 1: point of view, typically, you know, a family like us and as we're heading towards retirement, so any any other costs or anything, any allocation\n\nChannel 0: Mhmm.\n\nChannel 1: we need to consider, a recommendation\n\nChannel 0: Yeah.\n\nChannel 1: on that would that would be great to know because, as I said, we could have missed things\n\nChannel 0: Yeah.\n\nChannel 1: which we\n\nChannel 0: No.\n\nChannel 1: probably\n\nChannel 0: It's\n\nChannel 1: should have considered, you know, especially going to a part time and any money\n\nChannel 0: yeah. Yeah.\n\nChannel 1: allocation\n\nChannel 0: Absolutely.\n\nChannel 1: we need to be aware of. Yeah.\n\nChannel 0: Absolutely. And just sorry. Just I just wanna clarify one other quick question. I think I\n\nChannel 1: Sure.\n\nChannel 0: did already, but I just wanna confirm. The $10,000 per month supplemented, does that exclude the private school income, or will it include that? I mean,\n\nChannel 1: I think\n\nChannel 0: fees. Sorry.\n\nChannel 1: no. I think\n\nChannel 0: Private\n\nChannel 1: we'll\n\nChannel 0: school.\n\nChannel 1: no. Look. Look. I think it'll it'll exclude that. Because\n\nChannel 0: Excludes.\n\nChannel 1: right now, just thinking\n\nChannel 0: So we need\n\nChannel 1: from loans point of view.\n\nChannel 0: plus.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Look.\n\nChannel 0: Fantastic.\n\nChannel 1: If if I could put in the simple terms, our major draw at the moment is from the mortgage. Right?\n\nChannel 0: Yes.\n\nChannel 1: Major mortgage\n\nChannel 0: Mhmm.\n\nChannel 1: and these loans we have. So they didn't exist. Right? It's\n\nChannel 0: Mhmm.\n\nChannel 1: money that we could invest and money we can use for ourselves for well-being,\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: exactly\n\nChannel 1: that makes sense.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: That's exactly what I'm thinking in relation to yeah. I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've\n\nChannel 1: Yep.\n\nChannel 0: got your returns, and they're taxable. So the return in an investment portfolio, the return gonna be taxable to you. But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio. So, financially, it makes sense to reverse that, pay the debt, or consolidate it in a home loan with a potentially lesser interest rate, and then use that surplus cash flow to build wealth then to offset.\n\nChannel 1: Yep.\n\nChannel 0: So they're the they're the kind of things that I wanna have a look at and a play with before I\n\nChannel 1: Okay.\n\nChannel 0: even\n\nChannel 1: Yep.\n\nChannel 0: make any recommendations. But\n\nChannel 1: Sure.\n\nChannel 0: in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side\n\nChannel 1: Yeah.\n\nChannel 0: and make sure that as a family, you're protected as well. Because I suspect her income protection probably doesn't cover her full wage is my my guess.\n\nChannel 1: Yeah. Look. I think she's all changed jobs. And as I said, she's been on the AustralianSuper. So what the AustralianSuper offers is basically what she's got.\n\nChannel 0: Yeah. How much does she earn?\n\nChannel 1: 200,000 base.\n\nChannel 0: Yeah. Yeah. So, yeah, the Australian Superfund's definitely not gonna cover her income protection. So if she wasn't able to work due to injury or illness, that puts a big spanner in the works in relation\n\nChannel 1: Yep.\n\nChannel 0: to achieving these these goals and objectives that you both wanna achieve. So we do\n\nChannel 1: Yep. Yep.\n\nChannel 0: really need to probably look at that sooner rather than later as well.\n\nChannel 1: Yep. No. I totally get that. Yep.\n\nChannel 0: Yep. Okay. Alright. So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through. It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play\n\nChannel 1: Sure.\n\nChannel 0: with some figures. What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct. And I may even need to phone you back just to ask a couple of clarifying questions. So if I do need to, what time of day is best for\n\nChannel 1: Look. I think\n\nChannel 0: you?\n\nChannel 1: the best way to do this is if you I mean, if if\n\nChannel 0: Yep.\n\nChannel 1: you call me and if I don't answer, if you leave a message with\n\nChannel 0: Yep.\n\nChannel 1: the number to call back on, I will happily do so. It's just I'll be in the meetings, and sometimes I will, you know, be able to return your call. So if I know what\n\nChannel 0: Of\n\nChannel 1: that you\n\nChannel 0: course.\n\nChannel 1: that you want this information, then I can go from there. Yeah.\n\nChannel 0: Wonderful. And if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like.\n\nChannel 1: That's okay. That's fine. Yeah.\n\nChannel 0: Beautiful. Alright. Indeed, do you have any other questions for me today or anything that you need me to look at?\n\nChannel 1: Look, I think what I what I want to know, you can probably send me an email on that, is always so based on the advice you give us, in terms of implementation of the actual program itself, right,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: does does your firm do that, or do I need to go with that road map to\n\nChannel 0: No.\n\nChannel 1: then do it myself?\n\nChannel 0: No. We do it all for you. That's what\n\nChannel 1: Okay.\n\nChannel 0: you would engage\n\nChannel 1: Alright.\n\nChannel 0: us for, and that's what the fees would cover. We do it all for you. So then as part of your reviews that you do\n\nChannel 1: Yep.\n\nChannel 0: with super, the portfolio would also be included as well.\n\nChannel 1: Okay. Alright. So I just wanna\n\nChannel 0: Yep.\n\nChannel 1: know what that looks like and what the costs are and, you know, and I'll work out of where that's done. Yeah.\n\nChannel 0: Absolutely. I can definitely give you some information on\n\nChannel 1: Okay. That's fine.\n\nChannel 0: that. Alright. Well, that was lovely. Thanks for speaking with me today, India. I appreciate it.\n\nAnd I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there.\n\nChannel 1: Alright. Thank you very much for that. Cheers.\n\nChannel 0: Thank you so much. Enjoy your day.\n\nChannel 1: Thank you. Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.040360044687986374}],"sentiment":"neutral","sentiment_score":0.040360044687986374,"channel":1,"num_words":1,"start":3.1999998,"end":3.6999998},{"sentences":[{"text":"Good morning.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.3053438514471054},{"text":"This is Jenniferning from Oakview Financial.","start":5.2,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.21750633915265402},{"text":"How are you today?","start":7.44,"end":8.42,"sentiment":"neutral","sentiment_score":0.24963781237602234}],"sentiment":"neutral","sentiment_score":0.24285641560951868,"channel":0,"num_words":12,"start":4.56,"end":8.42},{"sentences":[{"text":"I'm good.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.5110869705677032},{"text":"Thank 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okay?","start":19.525,"end":20.425,"sentiment":"neutral","sentiment_score":0.052265544732411705}],"sentiment":"neutral","sentiment_score":0.1682457111447173,"channel":0,"num_words":34,"start":11.12,"end":20.425},{"sentences":[{"text":"Sure.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.04818190261721611}],"sentiment":"neutral","sentiment_score":0.04818190261721611,"channel":1,"num_words":1,"start":21.175,"end":21.675},{"sentences":[{"text":"Sure.","start":22.245,"end":22.745,"sentiment":"neutral","sentiment_score":0.0431220643222332},{"text":"And can I please get you to confirm your full name, date of birth, and address, please?","start":23.045,"end":29.22,"sentiment":"neutral","sentiment_score":0.036501828252392655}],"sentiment":"neutral","sentiment_score":0.036869619145161577,"channel":0,"num_words":18,"start":22.245,"end":29.22},{"sentences":[{"text":"Entergy Delancoin, 11/26/1980.","start":30.48,"end":33.54,"sentiment":"neutral","sentiment_score":0.014494651928544044},{"text":"32 Tuan Street, Victoria Park, WA.","start":33.92,"end":36.58,"sentiment":"neutral","sentiment_score":0.018976467351118725}],"sentiment":"neutral","sentiment_score":0.017482528876927163,"channel":1,"num_words":9,"start":30.48,"end":36.58},{"sentences":[{"text":"Lovely.","start":37.46,"end":37.86,"sentiment":"positive","sentiment_score":0.39830249547958374},{"text":"Thanks for that.","start":37.86,"end":38.579998,"sentiment":"positive","sentiment_score":0.5054986874262491},{"text":"And is it okay if I call you Indie?","start":38.579998,"end":40.52,"sentiment":"neutral","sentiment_score":0.0950717106461525}],"sentiment":"neutral","sentiment_score":0.21311107335182336,"channel":0,"num_words":13,"start":37.46,"end":40.52},{"sentences":[{"text":"That's 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now?","start":58.5,"end":60.36,"sentiment":"neutral","sentiment_score":0.075521320104599}],"sentiment":"neutral","sentiment_score":0.13091346497337022,"channel":0,"num_words":42,"start":42.579998,"end":60.36},{"sentences":[{"text":"Yes.","start":60.710003,"end":61.030003,"sentiment":"neutral","sentiment_score":0.09400740265846252},{"text":"We can.","start":61.030003,"end":61.690002,"sentiment":"neutral","sentiment_score":0.10101579129695892}],"sentiment":"neutral","sentiment_score":0.09867966175079346,"channel":1,"num_words":3,"start":60.710003,"end":61.690002},{"sentences":[{"text":"Yeah?","start":62.34,"end":62.84,"sentiment":"neutral","sentiment_score":0.094897523522377},{"text":"Beautiful.","start":62.9,"end":63.4,"sentiment":"positive","sentiment_score":0.3681370615959167},{"text":"So, Indi, in your words, what is it that you're hoping to achieve by 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an advice perspective, so I can just run some figures to see","start":700.31,"end":706.765,"sentiment":"neutral","sentiment_score":0.10594696884876803}],"sentiment":"neutral","sentiment_score":0.10594696884876803,"channel":0,"num_words":19,"start":700.31,"end":706.765},{"sentences":[{"text":"Mhmm.","start":706.355,"end":706.855,"sentiment":"neutral","sentiment_score":-0.02732236124575138}],"sentiment":"neutral","sentiment_score":-0.02732236124575138,"channel":1,"num_words":1,"start":706.355,"end":706.855},{"sentences":[{"text":"what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it.","start":707.22504,"end":724.12994,"sentiment":"neutral","sentiment_score":0.011797688446111149},{"text":"The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the 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side","start":1411.4551,"end":1423.25,"sentiment":"neutral","sentiment_score":0.10952007289855711}],"sentiment":"neutral","sentiment_score":0.10952007289855711,"channel":0,"num_words":31,"start":1411.4551,"end":1423.25},{"sentences":[{"text":"Yeah.","start":1423.775,"end":1424.275,"sentiment":"neutral","sentiment_score":0.17920273542404175}],"sentiment":"neutral","sentiment_score":0.17920273542404175,"channel":1,"num_words":1,"start":1423.775,"end":1424.275},{"sentences":[{"text":"and make sure that as a family, you're protected as well.","start":1424.99,"end":1428.155,"sentiment":"neutral","sentiment_score":0.2594738020138307},{"text":"Because I suspect her income protection probably doesn't cover her full wage is my my 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what","start":1580.37,"end":1580.77,"sentiment":"neutral","sentiment_score":0.08650622516870499}],"sentiment":"neutral","sentiment_score":0.07601689961221483,"channel":0,"num_words":9,"start":1578.6901,"end":1580.77},{"sentences":[{"text":"Okay.","start":1580.73,"end":1581.165,"sentiment":"neutral","sentiment_score":0.08162811398506165}],"sentiment":"neutral","sentiment_score":0.08162811398506165,"channel":1,"num_words":1,"start":1580.73,"end":1581.165},{"sentences":[{"text":"you would engage","start":1580.77,"end":1581.49,"sentiment":"neutral","sentiment_score":0.04939251889785131}],"sentiment":"neutral","sentiment_score":0.04939251889785131,"channel":0,"num_words":3,"start":1580.77,"end":1581.49},{"sentences":[{"text":"Alright.","start":1581.3251,"end":1581.8251,"sentiment":"neutral","sentiment_score":0.10931450128555298}],"sentiment":"neutral","sentiment_score":0.10931450128555298,"channel":1,"num_words":1,"start":1581.3251,"end":1581.8251},{"sentences":[{"text":"us for, and that's what the fees would cover.","start":1581.49,"end":1583.65,"sentiment":"neutral","sentiment_score":0.12324372761779362},{"text":"We do it all for you.","start":1583.65,"end":1584.77,"sentiment":"neutral","sentiment_score":0.3190402289231618},{"text":"So then as part of your reviews that you do","start":1584.77,"end":1587.49,"sentiment":"neutral","sentiment_score":0.16435861364006996}],"sentiment":"neutral","sentiment_score":0.18668084233999252,"channel":0,"num_words":25,"start":1581.49,"end":1587.49},{"sentences":[{"text":"Yep.","start":1587.405,"end":1587.905,"sentiment":"neutral","sentiment_score":0.030472811311483383}],"sentiment":"neutral","sentiment_score":0.030472811311483383,"channel":1,"num_words":1,"start":1587.405,"end":1587.905},{"sentences":[{"text":"with super, the portfolio would also be included as well.","start":1587.49,"end":1591.825,"sentiment":"neutral","sentiment_score":0.3045497536659241}],"sentiment":"neutral","sentiment_score":0.3045497536659241,"channel":0,"num_words":10,"start":1587.49,"end":1591.825},{"sentences":[{"text":"Okay.","start":1592.285,"end":1592.685,"sentiment":"neutral","sentiment_score":0.08755048364400864},{"text":"Alright.","start":1592.685,"end":1593.0851,"sentiment":"neutral","sentiment_score":0.06900687515735626},{"text":"So I just wanna","start":1593.0851,"end":1593.7251,"sentiment":"neutral","sentiment_score":0.028122789226472378}],"sentiment":"neutral","sentiment_score":0.044841419284542404,"channel":1,"num_words":6,"start":1592.285,"end":1593.7251},{"sentences":[{"text":"Yep.","start":1593.725,"end":1594.225,"sentiment":"neutral","sentiment_score":0.018359825015068058}],"sentiment":"neutral","sentiment_score":0.018359825015068058,"channel":0,"num_words":1,"start":1593.725,"end":1594.225},{"sentences":[{"text":"know what that looks like and what the costs are and, you know, and I'll work out of where that's done.","start":1593.7251,"end":1599.04,"sentiment":"neutral","sentiment_score":0.008751757265556426},{"text":"Yeah.","start":1599.04,"end":1599.54,"sentiment":"neutral","sentiment_score":0.2094036191701889}],"sentiment":"neutral","sentiment_score":0.017872296443039722,"channel":1,"num_words":22,"start":1593.7251,"end":1599.54},{"sentences":[{"text":"Absolutely.","start":1600.205,"end":1600.705,"sentiment":"positive","sentiment_score":0.5183044075965881},{"text":"I can definitely give you some information on","start":1600.845,"end":1603.23,"sentiment":"neutral","sentiment_score":0.3188757337629795}],"sentiment":"positive","sentiment_score":0.34103447530004716,"channel":0,"num_words":9,"start":1600.205,"end":1603.23},{"sentences":[{"text":"Okay.","start":1604.16,"end":1604.56,"sentiment":"neutral","sentiment_score":0.2911844849586487},{"text":"That's fine.","start":1604.56,"end":1605.46,"sentiment":"neutral","sentiment_score":0.2701369971036911}],"sentiment":"neutral","sentiment_score":0.27715282638867694,"channel":1,"num_words":3,"start":1604.16,"end":1605.46},{"sentences":[{"text":"that.","start":1604.99,"end":1605.47,"sentiment":"positive","sentiment_score":0.3581135869026184},{"text":"Alright.","start":1605.47,"end":1605.87,"sentiment":"positive","sentiment_score":0.4729298949241638},{"text":"Well, that was lovely.","start":1605.87,"end":1606.75,"sentiment":"positive","sentiment_score":0.7952069640159607},{"text":"Thanks for speaking with me today, India.","start":1606.75,"end":1608.59,"sentiment":"positive","sentiment_score":0.778251154082162},{"text":"I appreciate it.","start":1608.59,"end":1609.47,"sentiment":"positive","sentiment_score":0.7661428848902384}],"sentiment":"positive","sentiment_score":0.7348786294460297,"channel":0,"num_words":16,"start":1604.99,"end":1609.47},{"sentences":[{"text":"And I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there.","start":1609.47,"end":1617.2428,"sentiment":"positive","sentiment_score":0.4271663162443373}],"sentiment":"positive","sentiment_score":0.4271663162443373,"channel":0,"num_words":27,"start":1609.47,"end":1617.2428},{"sentences":[{"text":"Alright.","start":1617.5729,"end":1617.8928,"sentiment":"positive","sentiment_score":0.5020195245742798},{"text":"Thank you very much for that.","start":1617.8928,"end":1619.0128,"sentiment":"positive","sentiment_score":0.8166128695011139},{"text":"Cheers.","start":1619.0128,"end":1619.5128,"sentiment":"positive","sentiment_score":0.7344110012054443}],"sentiment":"positive","sentiment_score":0.7670134678483009,"channel":1,"num_words":8,"start":1617.5729,"end":1619.5128},{"sentences":[{"text":"Thank you so much.","start":1619.4628,"end":1620.4229,"sentiment":"positive","sentiment_score":0.8202117681503296},{"text":"Enjoy your day.","start":1620.4229,"end":1621.4028,"sentiment":"positive","sentiment_score":0.7853090763092041}],"sentiment":"positive","sentiment_score":0.8052534716469901,"channel":0,"num_words":7,"start":1619.4628,"end":1621.4028},{"sentences":[{"text":"Thank you.","start":1621.6528,"end":1622.0529,"sentiment":"positive","sentiment_score":0.668756365776062},{"text":"Bye.","start":1622.0529,"end":1622.5529,"sentiment":"positive","sentiment_score":0.35411423444747925},{"text":"Bye.","start":1622.6128,"end":1623.1128,"sentiment":"neutral","sentiment_score":0.22173087298870087}],"sentiment":"positive","sentiment_score":0.47833945974707603,"channel":1,"num_words":4,"start":1621.6528,"end":1623.1128},{"sentences":[{"text":"Bye.","start":1623.0629,"end":1623.5629,"sentiment":"neutral","sentiment_score":-0.09453833848237991}],"sentiment":"neutral","sentiment_score":-0.09453833848237991,"channel":0,"num_words":1,"start":1623.0629,"end":1623.5629}]},"summary":{"result":"success","short":"Representatives from Oakview Financial discuss investment goals and income and retirement plans with customers, including goals for personal investment and a wealth building portfolio. They emphasize the importance of understanding interest rates and debt costing, including property and debt expenses. Investors are advised to prioritize protection for their family members and to consider retirement projections based on assumptions. The speakers offer to send a list of figures and suggest a meeting to discuss further."},"intents":{"segments":[{"text":"And can I please get you to confirm your full name, date of birth, and address, please?","start_word":56,"end_word":72,"intents":[{"intent":"Confirm details","confidence_score":0.042050924}]},{"text":"The purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options. Did you have time to do that now? Yes. We can.","start_word":100,"end_word":141,"intents":[{"intent":"Discuss potential","confidence_score":0.0019342074},{"intent":"Discuss advice discussion","confidence_score":0.26469317}]},{"text":"So, Indi, in your words, what is it that you're hoping to achieve by looking Into into investment, you mean? this. Yeah.","start_word":144,"end_word":165,"intents":[{"intent":"Set goals","confidence_score":0.012416736}]},{"text":"And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways Yes.","start_word":279,"end_word":313,"intents":[{"intent":"Identify future issues","confidence_score":0.000013826839}]},{"text":"private school, how much is the tuition per annum, and how long will that need to Look.","start_word":499,"end_word":515,"intents":[{"intent":"Inquire about tuition cost","confidence_score":0.0014136845}]},{"text":"So on top of the school tuition, what what income would you need what amount of income would you need to supplement?","start_word":718,"end_word":739,"intents":[{"intent":"Clarify income requirements","confidence_score":0.17156078}]},{"text":"And we have the debt recorded as 960,000. Is that accurate?","start_word":998,"end_word":1008,"intents":[{"intent":"Confirm debt details","confidence_score":0.08110913}]},{"text":"We can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month.","start_word":1322,"end_word":1347,"intents":[{"intent":"Build portfolio","confidence_score":0.31715673}]},{"text":"Generally, when we look at an investment portfolio, there is a minimum Yep. initial investment that you do need to make. What position, what amount would that be for you? Because that can help us dictate what we recommend. I said again today.","start_word":1434,"end_word":1476,"intents":[{"intent":"Calculate needs","confidence_score":0.07175541}]},{"text":"technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things? Okay.","start_word":1592,"end_word":1619,"intents":[{"intent":"Use equity","confidence_score":0.008074049},{"intent":"Use equity","confidence_score":0.2516715}]},{"text":"I would be interested in knowing from an advice perspective, so I can just run some figures to see Mhmm.","start_word":1643,"end_word":1662,"intents":[{"intent":"Run figures","confidence_score":0.11388281},{"intent":"Seek advice","confidence_score":0.08446663}]},{"text":"what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it.","start_word":1664,"end_word":1708,"intents":[{"intent":"Understand interest rate","confidence_score":0.8771029}]},{"text":"The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to Mhmm. what the portfolio can realistically generate. So it might work out that we look at accelerating repayment on those, not your home. Your home's fine, but the other loans to free up more cash flow so that Sure. we can build the wealth that way. So Sure.","start_word":1708,"end_word":1787,"intents":[{"intent":"Provide portfolio","confidence_score":0.01253971}]},{"text":"I'd I'd really like to under does that make sense? Yeah.","start_word":1788,"end_word":1798,"intents":[{"intent":"Determine purpose","confidence_score":0.0004996396}]},{"text":"if do you have that handy, or would you like me to send you an email post our meeting so I I don't have those figures can handy. Sorry. But I can if you can send me an email, I can, by today, of course. get your numbers across. Yeah.","start_word":1835,"end_word":1884,"intents":[{"intent":"Send email","confidence_score":0.34491715}]},{"text":"So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster. Yeah.","start_word":1905,"end_word":1927,"intents":[{"intent":"Consider options","confidence_score":0.017986093},{"intent":"Help achieve goals faster","confidence_score":0.00051933504}]},{"text":"And the other thing with the cars, we have it on no weighted leases. So, basically, Are it's the cars through a in loan. a lease? Yeah.","start_word":1928,"end_word":1954,"intents":[{"intent":"Compare car finance","confidence_score":1.2912653e-7}]},{"text":"So in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand Mhmm.","start_word":2046,"end_word":2074,"intents":[{"intent":"Determine portfolio requirements","confidence_score":0.0061247884}]},{"text":"insurance through Australian Super as part of the default Mhmm. supernation scheme, but Mhmm. I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind. I mean, she hasn't, looked into in more detail, but, Mhmm. yeah, I just want something similar set up for her as well. Yes. Absolutely.","start_word":2436,"end_word":2499,"intents":[{"intent":"Discuss coverage options","confidence_score":0.016959406}]},{"text":"where would my super be at, and is it sufficient considering how things are going?","start_word":2887,"end_word":2901,"intents":[{"intent":"Evaluate super super responsibilities","confidence_score":0.00064410456}]},{"text":"If I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step.","start_word":3041,"end_word":3074,"intents":[{"intent":"Discuss financial situation","confidence_score":0.04257021},{"intent":"Determine financial situation","confidence_score":0.0005241744}]},{"text":"And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve. Yep.","start_word":3074,"end_word":3144,"intents":[{"intent":"Make recommendations","confidence_score":0.18593554},{"intent":"Confirm interest rate","confidence_score":0.0010992278}]},{"text":"Yep.","start_word":3144,"end_word":3144,"intents":[{"intent":"Calculate","confidence_score":0.00017423926}]},{"text":"No.","start_word":3145,"end_word":3145,"intents":[{"intent":"Discuss","confidence_score":0.10121859},{"intent":"Discuss","confidence_score":0.2065357}]},{"text":"Just I just wanna clarify one other quick question. I think I Sure.","start_word":3269,"end_word":3281,"intents":[{"intent":"Clarify","confidence_score":0.11077701},{"intent":"Clarify","confidence_score":0.17547703}]},{"text":"The $10,000 per month supplemented, does that exclude the private school income, or will it include that?","start_word":3289,"end_word":3305,"intents":[{"intent":"Exclude","confidence_score":0.01520385}]},{"text":"I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've Yep. got your returns, and they're taxable. So the return in an investment portfolio, the return gonna be taxable to you. But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio.","start_word":3414,"end_word":3482,"intents":[{"intent":"Understand interest rate","confidence_score":0.6632556},{"intent":"Understand interest rates","confidence_score":0.2031058}]},{"text":"in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side Yeah.","start_word":3550,"end_word":3581,"intents":[{"intent":"Discuss super insurance","confidence_score":0.5637352},{"intent":"Discuss super insurance","confidence_score":0.4212385}]},{"text":"to achieving these these goals and objectives that you both wanna achieve.","start_word":3681,"end_word":3692,"intents":[{"intent":"Achieve goals and objectives","confidence_score":0.0003405421}]},{"text":"So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through. It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play Sure.","start_word":3722,"end_word":3780,"intents":[{"intent":"Conduct research","confidence_score":0.7987447}]},{"text":"What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct. And I may even need to phone you back just to ask a couple of clarifying questions.","start_word":3783,"end_word":3830,"intents":[{"intent":"Get advice","confidence_score":0.21912768}]},{"text":"So if I do need to, what time of day is best for Look.","start_word":3831,"end_word":3844,"intents":[{"intent":"Discuss scheduling","confidence_score":0.0006649902}]},{"text":"And if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like. That's okay.","start_word":3929,"end_word":3957,"intents":[{"intent":"Email information","confidence_score":0.2585088}]},{"text":"Indeed, do you have any other questions for me today or anything that you need me to look at?","start_word":3963,"end_word":3981,"intents":[{"intent":"Ask questions","confidence_score":0.074744195},{"intent":"Answer questions","confidence_score":0.0063122683},{"intent":"Ask questions","confidence_score":0.039166313},{"intent":"Provide answers","confidence_score":0.000809079}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. This is Jenniferning from Oakview Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2211950123310089},{"text":"I'm good. Thank you. How are you? I'm very well. Thank you. I'm very well.","start_word":13,"end_word":27,"sentiment":"positive","sentiment_score":0.5121143460273743},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Sure. Sure. And can I please get you to confirm your full name, date of birth, and address, please? Entergy Delancoin, 11/26/1980. 32 Tuan Street, Victoria Park, WA.","start_word":28,"end_word":81,"sentiment":"neutral","sentiment_score":0.03495437279343605},{"text":"Lovely. Thanks for that.","start_word":82,"end_word":85,"sentiment":"positive","sentiment_score":0.45890921354293823},{"text":"And is it okay if I call you Indie? That's fine.","start_word":86,"end_word":96,"sentiment":"neutral","sentiment_score":0.12196285277605055},{"text":"Lovely. Thank you.","start_word":97,"end_word":99,"sentiment":"positive","sentiment_score":0.4280829131603241},{"text":"The purpose of my call today is to ring and talk about the advice discussion that you had previously with Veronica and look at the potential to make personal investment options. Did you have time to do that now? Yes. We can. Yeah?","start_word":100,"end_word":142,"sentiment":"neutral","sentiment_score":0.1052691638469696},{"text":"Beautiful.","start_word":143,"end_word":143,"sentiment":"positive","sentiment_score":0.3681370615959167},{"text":"So, Indi, in your words, what is it that you're hoping to achieve by looking Into into investment, you mean? this. Yeah. Yep. Okay. Look. Both myself and my wife, we are, I guess, engineering professionals, and I'm turning 46 and my wife is turning 41. And, basically, we are looking at, I guess, income streams to have on the side versus our day to day, I guess, career jobs, if that makes sense. Mhmm. Ideally, I want to be in a position where if when I enter my fifties that I have income streams supplementing income versus Yep. me relying on my day to day job, likewise, my Yes. wife as well. Yep. Just to put in a perspective, going back September last year, I was made with London with the previous job. Yep. And that's always almost like an awakening moment for us because once the income stream disappears, then, you know, the issues that you have, whatnot, it can be quite life changing in many ways Yes. and Yep. stressful.","start_word":144,"end_word":316,"sentiment":"neutral","sentiment_score":0.05150047317147255},{"text":"So I just don't want to be in another situation like that again.","start_word":317,"end_word":329,"sentiment":"negative","sentiment_score":-0.4136405885219574},{"text":"I mean, investment has always been in the pipeline for us to do it, but now it's more what can we do. And I don't want to wait till sixty years to wait for retirement funds to come into play. So Yeah. we want Of to course. be able to, you know, ease into retirement rather than waiting till eleventh hour. Yeah. That's Yep. that's understandable. Yep. Yes. Yep. And the other I aspect of it is we have one child. He's an younger boy, yep. and we are planning to put him through private school doing starting next year. Right? So Yep. once again, being able to have some sort of income stream where as we're able to supplement his school fees as well to certain extent. That way, Yep. you know, it is all managed and, you know, it's it's stressing for having a high end full time Okay.","start_word":330,"end_word":480,"sentiment":"neutral","sentiment_score":0.15816573798656464},{"text":"So that's all that's wonderful information. Thank you. I can definitely work with that.","start_word":481,"end_word":494,"sentiment":"positive","sentiment_score":0.647371768951416},{"text":"So with the job. private school, how much is the tuition per annum, and how long will that need to Look. For the for the first two years, I think it's up to year seven. Right? last? Yep. Yep. Where are we? Year four is going year four. So year four to year six or year seven, it's around thousand 200 a month. 1,200 per month. Yep. Yep. And then once it goes into the senior school realm, it Yep. goes up to this is anywhere around 15 to $16,000 a year. Okay. Per annum. So that's from year eight to year 12. Yeah. Is that right? Yeah. Yeah. Okay. Okay. So if you said in your fifties, look at supplementing an income stream. To be a little bit more specific, what what age in your fifties? Okay. I'm 46 now. Right? Let's Yep. give us Yep. 10 let's give us a six to eight years. So how are Six we? to eight I'm years? 40 54. Let's say by the time I reach 55. Alright? Yep. 55? 55 to one. Yep. Okay. And you'd like to ease to part time, essentially? Yeah. Look. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. In other words, Well, is it have all the yeah. Correct. have the ability to if you want to. Yes. Correct. Yep. Okay. So on top of the school tuition, what what income would you need what amount of income would you need to supplement? I didn't actually put much thought into it, but I would say our I guess our the mode so right now, probably if you look at what's outgoing with the I mean, Yep. the mortgages and other expenses, maybe having close to 10,000 a month. 10,000 per month. And that would be the supplement of your income, or is that the total need? Okay. So you were asking the total linked way supplement. Which one are we No. asking The for? yeah. No. I'm just clarifying what the 10,000 refers to. So that's the amount you need supplemented. Is that right? Yeah. That is to be the mortgage Yep. is through any of the financial obligations we have. Yep. Yep. Okay.","start_word":495,"end_word":860,"sentiment":"neutral","sentiment_score":0.02155431819051667},{"text":"Fantastic. Alright. That's that's fine.","start_word":861,"end_word":865,"sentiment":"positive","sentiment_score":0.44246938824653625},{"text":"I have got those figures written down. What I might do is I might just run through a quick overview of your of your personal and financial situation just to make sure I've got everything Yep. accurate. So are you still an area manager engineer? Yep. Yep. Okay. Still working full time? Yeah. Okay. And I've got your income here as $1.80. Is that correct? Yes. Yes. And you may get bonuses as well. Yes. So that is a variable. I'm only been with them for four months now, but I Yep. haven't experienced it yet in terms of what the number looks like. Yep. That's okay. That's fine. And we have your principal place of residence valued at $1,125,000. Is that right? Look. That probably will be around 1.4 now. Yeah. And we have the debt recorded as 960,000. Is that accurate? It's 1.01. Okay. And a car valued at 90 Yep. $4,000 with debt of the same amount. Yes. And a Latitude Yep. personal loan of 36,000, a Latitude credit card with an outstanding balance of 5,000, and a solar system loan of 10,000. Yep. That's the what we took it for, but it should be around $6,000. But yeah. 6,000.","start_word":866,"end_word":1068,"sentiment":"neutral","sentiment_score":0.09002954641292835},{"text":"Okay. Wonderful.","start_word":1069,"end_word":1070,"sentiment":"positive","sentiment_score":0.6586233973503113},{"text":"So when you transition into, say, at 55, is there an are you planning on having debts repaid? What what's your goals there? Or is it is does that 10,000 a month cover the the repayment of debts and maintain those? So before, you know, we started talking to yourselves, my my vision was, we had investment options where they were looking after the obligations where, you know, it was generating income and income was paying off for any finances or whatnot. Right? So it's kind of Mhmm. self sufficient. So that Yes. 10,000 figure is basically what's go what's outgoing to meet our notes. But, technically, I want the investments to pretty much take care of themselves where the income is taking care of the expenses. Mhmm. Yep. Okay. So you so you'll just continue to pay them the debts until Yeah. they're yep. Yeah. That's Look, as I said, okay. because the loan is thirty years for the property we are in, and it's we only, like, four years into it. Right? Yeah. Of course. Yeah. Of course. But we wanna do it in such a way so that when my I mean, obviously, my son is taken care of because, obviously, he's the only son Mhmm. for us. So in other words, the investments are maturing in a way so that, you know, it's Yep. so he doesn't get impacted, then the time comes for himself, if that makes sense. Yeah. Yeah. Of course. That makes sense.","start_word":1071,"end_word":1320,"sentiment":"neutral","sentiment_score":0.09381526708602904},{"text":"We can definitely look at building a portfolio to work towards and seeing what we need to do to achieve that goal of 10,000 a month.","start_word":1321,"end_word":1346,"sentiment":"positive","sentiment_score":0.7106699347496033},{"text":"Did you have what is your surplus cash flow that you can put into our portfolio? The surplus cash flow at the moment. We both just said we just changed jobs. So we're actually in the in the first four months, five months of our jobs and haven't got any savings saved up as such. Having said that, we can look at around, say, $506,100 dollars a month at this stage. It could go up. It's just right initial stage. It should be that amount. Yeah. Okay. Generally, when we look at an investment portfolio, there is a minimum Yep. initial investment that you do need to make. What position, what amount would that be for you? Because that can help us dictate what we recommend. I said again today. My phone was just gonna be there. No. That's okay. So Yeah. when we You go look ahead. at an investment portfolio, Mhmm. there's usually an initial investment lump sum that needs to be made. Based on your current financial situation, what amount would you have the ability to contribute as an initial amount to have that set up. To be honest, I don't have a number, but then again, I would like to leverage my equity in my property to do that. So I'm not Okay. sure what the demand would be, so that's advice I'll be needing on. Okay. I will have a play with So, some figures with that. yeah, so, Yep. technically, if I can use some equity from my property, then I can, through my mortgage, make those monthly, what can I say, servicing side of things?","start_word":1347,"end_word":1618,"sentiment":"neutral","sentiment_score":0.07352020591497421},{"text":"Okay. The other thing that I just wanted to probably raise is there's definitely a great plan in building a portfolio.","start_word":1619,"end_word":1639,"sentiment":"positive","sentiment_score":0.573576807975769},{"text":"Mhmm. What Mhmm. I would be interested in knowing from an advice perspective, so I can just run some figures to see Mhmm. what would actually work better, is I'd like to understand what the interest rate is that you're paying on your car loan, your personal loan, the credit card, and the solar system, and how much that is per month or whatever frequency you pay it. The reason being is that as part of a wealth building portfolio, some of the things that I look at is what the debt's costing you and the interest rate as to Mhmm. what the portfolio can realistically generate. So it might work out that we look at accelerating repayment on those, not your home. Your home's fine, but the other loans to free up more cash flow so that Sure.","start_word":1640,"end_word":1778,"sentiment":"neutral","sentiment_score":0.06113323547857271},{"text":"we can build the wealth that way.","start_word":1779,"end_word":1785,"sentiment":"positive","sentiment_score":0.573173999786377},{"text":"So Sure. I'd I'd really like to under does that make sense? Yeah. I do. Yeah. Yeah. Yeah.","start_word":1786,"end_word":1803,"sentiment":"neutral","sentiment_score":0.15820570290088654},{"text":"Yeah. So because, you know, that could alleviate a a significant amount of cash flow for you each week or month that we can then use to build wealth.","start_word":1804,"end_word":1832,"sentiment":"positive","sentiment_score":0.4858469069004059},{"text":"So Sure. if do you have that handy, or would you like me to send you an email post our meeting so I I don't have those figures can handy. Sorry. But I can if you can send me an email, I can, by today, of course. get your numbers across. Yeah. Yeah.","start_word":1833,"end_word":1885,"sentiment":"neutral","sentiment_score":0.116552896797657},{"text":"Absolutely. I can do that.","start_word":1886,"end_word":1890,"sentiment":"positive","sentiment_score":0.3976803421974182},{"text":"It's just a different a different approach that we look Yep. at as well.","start_word":1891,"end_word":1904,"sentiment":"neutral","sentiment_score":0.13942131400108335},{"text":"So we kind of weigh our options in that respect as to what what's gonna actually help you achieve those goals faster.","start_word":1905,"end_word":1926,"sentiment":"positive","sentiment_score":0.35077181458473206},{"text":"Yeah. And the other thing with the cars, we have it on no weighted leases. So, basically, Are it's the cars through a in loan. a lease? Yeah. Yeah. No weighted lease. Okay. Yep. Yep. Okay. Alright. That's fine.","start_word":1927,"end_word":1965,"sentiment":"neutral","sentiment_score":0.05656905099749565},{"text":"We can do that.","start_word":1966,"end_word":1969,"sentiment":"positive","sentiment_score":0.36993739008903503},{"text":"I'll still just get you to send me through the details of what the lease is and Sure. what It's it's fine. costing. We also had you down as a high growth investor. Now typically with a high growth investor, with that being your risk profile, that's a 90% allocation to growth assets being your shares and property listed property and defensive asset exposure of 10% being your fixed interest and cash components of your portfolio. So in an investment, growth portfolio in an investment portfolio, we would be saying you need to invest for at least a minimum of eight years to withstand Mhmm. any negative returns, which Sure. in in a high growth portfolio, we statistically expect that to be one in every five years. So given that you've told me six to eight years to ease into retirement when we look at that, do you feel like a high growth approach is something you'd be comfortable taking with an investment portfolio, or would you look to downgrade that risk and have an allocation of, say, an eighty twenty split with a minimum time frame of six years for I think for me, at the end of the day, is just looking at the numbers and what, I guess, each profile looks like. investment. Mhmm. Yeah. Because, as I said, now it's kind of coming towards the, I guess, the latter quarter of Korea and whatnot. So I guess for us, time is premium. And if Yes. if we take anything that any mistake and that, you know, that could put us back again a few years. But also for me, Yes. I think having an approach where we have certain level of guarantee of income coming through and whatever approach is needed for that. I'm happy to look into that. But I'll be curious Yep. to know what the difference would be with a high growth than a, let's say, moderate growth. Yeah. Yes. What I'll do is when I send you that email asking for the details on those the the loans, I'll send through some information on risk profiles and different approaches as well so you've Yep. got that information to process and Yep. Yep. you wanted us to your portfolio? I note that you've got some insurances, I believe, Mhmm. with Cal. Yeah. And As they and the sorry. Go ahead. yeah. No. You go.","start_word":1970,"end_word":2370,"sentiment":"neutral","sentiment_score":0.04677006113633253},{"text":"That's absolutely Yeah.","start_word":2371,"end_word":2373,"sentiment":"positive","sentiment_score":0.4279137253761291},{"text":"Look.","start_word":2374,"end_word":2374,"sentiment":"neutral","sentiment_score":0.31323501467704773},{"text":"I think for us, holistically, between myself and my wife, it's just providing some central security in terms of income streams as we head towards our fifties. That's that's fine.","start_word":2375,"end_word":2404,"sentiment":"positive","sentiment_score":0.34865909814834595},{"text":"quite Yep. important. Yep. The other aspect is, which we'll probably look at it as part of this or maybe separate, is my wife's insurances. I Yes. know she's got Okay. insurance through Australian Super as part of the default Mhmm. supernation scheme, but Mhmm.","start_word":2405,"end_word":2449,"sentiment":"neutral","sentiment_score":0.0707622691988945},{"text":"I think, setting her up and making sure that she's also covered in any way so that, you know, she's got some peace of mind.","start_word":2450,"end_word":2474,"sentiment":"positive","sentiment_score":0.3546757400035858},{"text":"I mean, she hasn't, looked into in more detail, but, Mhmm. yeah, I just want something similar set up for her as well. Yes.","start_word":2475,"end_word":2498,"sentiment":"neutral","sentiment_score":0.14331874251365662},{"text":"Absolutely. I think that's a great idea.","start_word":2499,"end_word":2505,"sentiment":"positive","sentiment_score":0.6598035097122192},{"text":"I'm having a look at your cover now, and your life and TPD is sitting at around the 2,000,000 mark, which I sufficiently covers debt, but also provides financial security for your wife and your son should the Yeah. worst happen. So that's probably something that we definite because with the default cover in your industry funds, I I suspect your wife has very minimal levels of cover. So Yep. that's something that we should definitely look at as well. Did she wanna look at her superannuation as well? Look. Yeah. It's something I mean, I I haven't spoken to her about it, but I I I will talk to her about it and we'll have the conversation. But I wasn't sure. Does it need to happen as part of this conversation. Can it happen separately? Because I want to obviously have It it can happen. definitely Have you been happen yeah. separately. Yeah. Yeah. Yep. We can focus on the initial goals at the moment given her probably low levels of cover. And if anything, if the worst shall happen to her, that's essentially gonna leave you and your son in a a a bind, let's call it. Yep. So we can do that advice for your wife in conjunction with this once you've had a a conversation with her, but it doesn't need to occur in the same doc advice document. Yeah.","start_word":2506,"end_word":2739,"sentiment":"neutral","sentiment_score":0.006919733606852018},{"text":"That's fine. Yep.","start_word":2740,"end_word":2742,"sentiment":"positive","sentiment_score":0.3786499500274658},{"text":"And just one other thing, though. So when you're looking at so obviously, now we're looking at the holistic approach. Right? The Yep. other thing is with the super that we have in play I have in play. So, Mhmm. for example, if I reached my age where, obviously, well, I mean, if I were to go up to 60 or 60, what is the retirement Mhmm. age again? So your preservation to age to access super is presently 60, and the Centrelink age pension is 67 currently based and that's based on today's legislation. You know, things can change over time, Mhmm. but at the moment, Yeah. those are the date the ages. So so if I went on to where, like, you know, I'm deciding to slow down and I want to access my super or whatnot in 60, where would Yes. where would my super be at, and is it sufficient considering how things are going? That we can include in our projections because what we would take into account is Yep. not our projections, our calculations as to estimating that. Now, again, when we estimate it out, it's conservative and needs to be taken at a not a grain of salt, but it needs to be taken that it it is an estimation because market, as you Sure. Yeah. you know, Sure. are Yep. volatile. But they're also given the time, they also recover. So it's Yep.","start_word":2743,"end_word":2983,"sentiment":"neutral","sentiment_score":0.009340541437268255},{"text":"it's understanding and having that comfort that we can we can estimate out what it's gonna look like. We can look at building a portfolio to supplement income.","start_word":2984,"end_word":3011,"sentiment":"positive","sentiment_score":0.3796449899673462},{"text":"But I actually think probably one of the more before we even I know that building out a portfolio outside of super is probably your goal right now. If I look at your financial situation, I would, as an adviser, I would, as an adviser, say getting rid of those debts with likely high interest rates attached would be the first step. And whether you used equity in your home to do that or not, and then use the surplus cash flow from those repayments to actually start building a portfolio, that may actually work out the best step, but I need to run some calculations and do some research and actually make a make a recommendation based on what's gonna give you and your family the outcome you're hoping to achieve. Yep. No. Look. I think that's the same way to go. Obviously, the speakers Yep. have provided us based on, I guess, our tiny world in terms of what we are looking at. But I think from your Yeah. point of view, typically, you know, a family like us and as we're heading towards retirement, so any any other costs or anything, any allocation Mhmm. we need to consider, a recommendation Yeah. on that would that would be great to know because, as I said, we could have missed things Yeah. which we No. probably It's should have considered, you know, especially going to a part time and any money yeah. Yeah. allocation Absolutely. we need to be aware of. Yeah. Absolutely. And just sorry. Just I just wanna clarify one other quick question. I think I Sure. did already, but I just wanna confirm. The $10,000 per month supplemented, does that exclude the private school income, or will it include that? I mean, I think fees. Sorry. no. I think Private we'll school. no. Look. Look. I think it'll it'll exclude that. Because Excludes. right now, just thinking So we need from loans point of view. plus. Yeah. Yep. Okay. Look.","start_word":3012,"end_word":3345,"sentiment":"neutral","sentiment_score":0.05744256355805311},{"text":"Fantastic.","start_word":3346,"end_word":3346,"sentiment":"positive","sentiment_score":0.4175955057144165},{"text":"If if I could put in the simple terms, our major draw at the moment is from the mortgage. Right? Yes. Major mortgage Mhmm. and these loans we have. So they didn't exist. Right? It's Mhmm. money that we could invest and money we can use for ourselves for well-being, That's if exactly that makes sense. Yes. Yeah. That's exactly what I'm thinking in relation to yeah. I'm that's why I'm kind of interested in understanding the interest rate because typically what you would see in a portfolio is you've Yep. got your returns, and they're taxable. So the return in an investment portfolio, the return gonna be taxable to you. But the interest rates on a personal loan and a credit card are typically higher than those returns that you're gonna get in a portfolio. So, financially, it makes sense to reverse that, pay the debt, or consolidate it in a home loan with a potentially lesser interest rate, and then use that surplus cash flow to build wealth then to offset. Yep. So they're the they're the kind of things that I wanna have a look at and a play with before I Okay. even Yep. make any recommendations. But Sure. in the meantime, have a chat with your wife about her super insurance because we can do that at the same time or next to each other running side by side Yeah. and make sure that as a family, you're protected as well. Because I suspect her income protection probably doesn't cover her full wage is my my guess. Yeah. Look. I think she's all changed jobs. And as I said, she's been on the AustralianSuper. So what the AustralianSuper offers is basically what she's got. Yeah. How much does she earn? 200,000 base. Yeah. Yeah. So, yeah, the Australian Superfund's definitely not gonna cover her income protection. So if she wasn't able to work due to injury or illness, that puts a big spanner in the works in relation Yep. to achieving these these goals and objectives that you both wanna achieve. So we do Yep. Yep. really need to probably look at that sooner rather than later as well. Yep. No. I totally get that. Yep. Yep. Okay. Alright. So what I'm gonna do from here, Indi, I'm going to conduct some research once I get back the details from you that I send through. It will take me just depending on how long if you get those details back to me today, I can have a look at it this week and next week and play Sure. with some figures. What I do want to just flag is that it'll probably take a couple of weeks for us to get this advice together just to make sure it's accurate and correct. And I may even need to phone you back just to ask a couple of clarifying questions. So if I do need to, what time of day is best for Look. I think you? the best way to do this is if you I mean, if if Yep. you call me and if I don't answer, if you leave a message with Yep. the number to call back on, I will happily do so. It's just I'll be in the meetings, and sometimes I will, you know, be able to return your call. So if I know what Of that you course. that you want this information, then I can go from there.","start_word":3347,"end_word":3926,"sentiment":"neutral","sentiment_score":0.05092028903550115},{"text":"Yeah. Wonderful.","start_word":3927,"end_word":3928,"sentiment":"positive","sentiment_score":0.5479417443275452},{"text":"And if you're happy to, I can and it's not overly sensitive information, I can always email you and ask for it as well if you like. That's okay. That's fine.","start_word":3929,"end_word":3959,"sentiment":"neutral","sentiment_score":0.2903459668159485},{"text":"Yeah. Beautiful.","start_word":3960,"end_word":3961,"sentiment":"positive","sentiment_score":0.5453945398330688},{"text":"Alright. Indeed, do you have any other questions for me today or anything that you need me to look at? Look, I think what I what I want to know, you can probably send me an email on that, is always so based on the advice you give us, in terms of implementation of the actual program itself, right, Mhmm. Yep. does does your firm do that, or do I need to go with that road map to No. then do it myself? No. We do it all for you. That's what Okay. you would engage Alright. us for, and that's what the fees would cover. We do it all for you. So then as part of your reviews that you do Yep. with super, the portfolio would also be included as well. Okay. Alright. So I just wanna Yep. know what that looks like and what the costs are and, you know, and I'll work out of where that's done. Yeah.","start_word":3962,"end_word":4123,"sentiment":"neutral","sentiment_score":0.08368100046559616},{"text":"Absolutely.","start_word":4124,"end_word":4124,"sentiment":"positive","sentiment_score":0.5183044075965881},{"text":"I can definitely give you some information on Okay. That's fine.","start_word":4125,"end_word":4135,"sentiment":"neutral","sentiment_score":0.3001086115837097},{"text":"that. Alright. Well, that was lovely. Thanks for speaking with me today, India. I appreciate it. And I will send you through an email in a little bit requesting that information and providing you with some information, and we can go from there. Alright. Thank you very much for that. Cheers. Thank you so much. Enjoy your day. Thank you. Bye.","start_word":4136,"end_word":4196,"sentiment":"positive","sentiment_score":0.5979489088058472},{"text":"Bye. Bye.","start_word":4197,"end_word":4198,"sentiment":"neutral","sentiment_score":0.20202696323394775}],"average":{"sentiment":"neutral","sentiment_score":0.09468133326070716}}}}