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How are you going? That's the way. I've got this document to send through you and just update the strategies we were talking about. Now I just quickly check with you. I'm running into the technical issues with the email server, which will be fixed in about three minutes flat. Do you still have a bit of time for me this afternoon about fifteen minutes? Cool. So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you. It will just take me a minute to get it to your email address. Can I just confirm your date of birth and address, please? Amazing. And I'm registered adviser 1273105. Are you okay for this call to be recorded? Perfect. So just a quick little recap with what we're doing. We were kind of just doing a few updates on the, like, portfolio and things like that. Main thing for you is we would get your risk level on the super reduced a little bit just because, obviously, you're getting closer to the time and age. We're trying to bump you down high risk down to something a bit more appropriate. And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums. Does that ring a bell? Perfect. Perfect. Now for emails today, your Hotmail address there, will you be able to view that with me when I send it through? Perfect. Now just give me a minute. I'm gonna get that pack sent out to you, and I'll let you know once it actually gets through. We've just had to refresh it a couple of times. So and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make sure you've got the full, you know, beneficiary bill, all that kind of thing in place. Just a reminder there because I think we were saying that you didn't have one yet. Yep. Cool. Outside of that, was there any other areas that you were wanting to focus for the updates, or was it just the the risk and the inferences? Cool. Say that again. Sorry, mate. Just out for a sec. Yes. Yep. Perfect. So what I've basically done, logic behind it in the advice document, is I'm keeping pretty much all the same investments. We're just putting a bit more of the money into the safer investments, a little bit less into the growth assets. What that looks like is a little bit less in the shares, a little bit more in the term deposits, if that makes sense. The quick note was trimming down the insurances. We've got some quotation quotes there to trim down the insurances. That'll save about a thousand bucks. I'll factor that into the projections as well. The the difference between the high growth portfolio and the growth portfolio going from a five out of five to a four out of five on the risk scale, actually that much different in terms of performance. So I think it was gonna drop your your five year average from 11% down to about 10, which is still well and truly above that 9% above that we're aiming for for a benchmark. I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal. I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one. So, basically, everything was like a resounding success at the moment. And once we get that in place, premiums will go the risk will go down, and then we'll an eye on it every two after that. Cool. Now just popping that through to you now. It should come through in the next next thirty seconds or so. And I do see you you have already signed the service agreement, so it should go through to your main pretty quickly. Alright. So that opens it up to peruse through with me. And, basically, there's a button there to skip through documents, but I just want you to have a scrub through with me first. Alright. You should see the beachfront city picture on the Gold Coast on the front page. And I just want you to go through to that pages three four that has scope of advice. Yep. Gotcha. So, again, main scope is the super and the retirement, the insure reduction, give a reminder on the estate planning. The areas that are not considered in this document is, you know, budget, cash through income protection, and trauma insurance. So in terms of doing the additional repayments to the mortgage, to have it off in time for retirement, we're obviously not giving you less on that. You're perfectly capable of managing that personally. Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years. And once you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup. Does that ring a bell? Perfect. Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10. There's, like, an use section with details and your assets and liabilities as well. K. So lead trainer, 110,000. We've got your mobile, your email. Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together there. Cool. Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio. Pages eleven and twelve, that'll be your risk profile. So again, in terms of sale, it goes conservative, moderate, balanced growth, high growth. We're taking you down from a high growth down to a growth. Basically, just one peg at the moment, and then every few years, look at maybe reducing it further. K? Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there. I apologize. Under strategies. Can you see that one there popping up? Yeah. And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it. K. So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit. And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around. Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free. At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments around. Now what that kind of means materially for you is if you swing down and going through fifteen, sixteen, and 17, you should start to see some tables pop up blue with a fee comparison. And it's got, like, a current and a ended and a difference there. So 1,300 for the capital gains tax inside the super. Invest fees drop a little bit and then percentage based. So your balance grows the more that dollar value saves with the the cheaper investments. And I factored in there the reduced premiums for the insurance as well. Bottom of that table has the five year rolling average, which in terms of the returns, point five three to 10.8. And it's actually not too much of a difference to drop the risk level down a peg in terms of the returns. K. Updated projections. So if you're on a page 17, we'll have it should say lump sum in five years, lump sum in ten years, and it just gives you an idea about what you're kind of on track for at a got a where it's got, like, five year, ten year, and it's got a difference there. So by dropping the risk level down, you basically go from let's say, we're gonna hit 600,000, but you've made $596,000. It's not too much of a difference in a ten year projection. And then for the return under it, it should say annualized investment returns, 07/31/2026. And it basically just steps at one year, three, five, and 10. You can see they're pretty similar in terms of the returns between each each time period. K? Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement. So the last couple of tables I wanna show you, there's three last ones, is an investments table after that, which, to be honest, is quite figures on there. If you see it, the red heading, blue table, there's a smattering of numbers and percentages under an investments table. Now, basically, the main thing here is all the numbers in the second last column under the target weights, they're all round figures. 10%, 25, and eight. And what we're doing, we're reducing exposure to the growth assets, but we're also just bringing all of your investments back in line with auto portfolio. What I mean by that is if one of your shares was supposed to be 5% and the other one was 5%, but one's gone at seven and one's gone down four, we're just in the back in line to that 5%. Does that make sense? Cool. There is only one option that's being sold out, which is some of the international shares because I just can't keep you in with a a six options that are all in shares when we're going down that risk level. Kind of can only keep you in five of those higher risk options. K? Now what that translates to, you know, I guess, terms is if you go down to can you see that colored pie chart on the next page where it's your asset allocation? Should have, like, red yep. Now the very middle row says growth total, and it's in eighty percent five eighty five. Basically, if you're in a growth profile, you wanna be average somewhere between 90% growth asset in shares and property instead of 90 to a 100%. You're currently sitting 95. When we've popped you down a little bit, you go to 85%. So it's a small adjust to the risk level, drop down about 10%. K. And the last one is the retirement income calculation. So there'll be some blue and green bars there. We've just used the government money smart calculator for that one. There's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because you're not still gonna be a high risk when you're in your sixties. We're just factoring in that we are drop the risk level down. Are you still gonna be track? And, yeah, pretty easy to hit that retirement goal as long as you can smash out that mortgage over the next five to seven years, your super should well and truly be out of support. Your income is based on what we've talked about. And if drops, the age pension will will top you back up again as well. What it basically meant is that it'll be able to last well and truly past life expectancy. So when you get to age 85, 90, you're not sitting there with all super wiped out and just living on the age pension, there'll still be something there. Yep. Any questions on that so far on the super side of things? Cool. It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000 from $6.36 that you've currently got. K? Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great. But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly. So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense. Cool. I've attached inside this document pack just an alteration quote. You don't have to go through the application or any forms, anything like that. To reduce it down, it's basically just sign the quote and we're good to go. Cool. And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place. And it just relists our our services, our fees, and at the bottom there as well. Basically, to implement everything, it's straightforward. I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account. Once you sign the reduction quote, we can send that off to Tal. They'll action that and give you a refund. I was going to send possibly some beneficiary forms through to you just to make sure that's there. But I think yours is in place okay. But I'll send you a message if we need to update that. K. I'm just gonna check your ID on file. The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file. And just open your current ID that you've got just to see the expiry here for a second, which is in territory. I've actually not really as much before, I must say. Just trying to the expiry date. I do apologize, mate. It's got the the numbers backwards here. There we go. May 26. So I might need to flick you a link just to get the updated ID to submit along with it. Is that okay? Yep. Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers. And that way, they can they can approve it. So I do the certification. Basically, we just get a bit of your ID. I'll do that and stamp it. Yeah. Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all. If you're okay to at least text through a photo. Pretty much. Yeah. Front and back nice and clear if you can. Otherwise, they tend to go can't see those writing on there. We'll have to reject it. Sensational. Nice and easy there. Drop the risk. Drop the premiums. Keep an eye on things together. Any questions on your Cool. Alrighty. When you're comfortable with this one, there's three documents. That statement of advice at the bottom has, like, a a start button to sign the authority to proceed. I can document just in a yes, please. If you could, it'll kind of stamp your signature name and sorry. Date on that. If you feel more comfortable, you can pull a signature by clicking on it, but we don't require you to do that. And if you can, if that's Yep. Yep. Go for it. Yes. So can you the paragraphs of writing of it? Basically, what it says top one is you're okay to implement all of the advice. The second one is if you would like to vary the advice and not implement all of it, you can actually type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a. Like, n a for me? Like, m slash a would be fantastic. Thank you. There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended. And then this one does require a signature. It's just the the alteration quote. Yes, please. Yeah. If that is the blue one, you can just skip document. It's just got the research in there. Yes. That's the one. Green t a l. It's basically page one, two, three. The fourth page has signature spots, and those two pages have the the quote answers. Yes, please. And it will take a few seconds to load. You'll have a spinning circle once you validate it and ask you if you wanna download copy for your records. And I'll just for a minute to see if that comes through alright on my end. Yeah. There are they can be those ones. Thankfully, I don't have 15 documents on because sometimes it takes about seven minutes for those. This one's short and sweet, so it shouldn't be too long. Unless there's some Internet slowage down your end made, they're usually pretty good. Beautiful. And just out of curiosity, this was actually a, like, a custom built system that we've got. So all of your detail, you've got, like, client profile with us, and it's all of your your points together on LinkedIn with this document system. Was that okay to use? Is it pretty user friendly? Any I can pass off to the to you guys? Beautiful. And that's come through my end too. So thank you so much for that. Really appreciate it. Awesome, Steve. Before I let you go, we've basically up the next sort of review and things like that. Is there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then? Yep. Looks okay for you. Perfect. Alright. I'll make sure that's in the system there as well. And, mate, we're good to go. I'll get this fixed up for you because it is Wednesday today. Should be able to get all this submitted either by the end of the week or early next week. For the ID? I can access that right this second, but I'll get that texted through you hopefully within an hour or so. Cool. Awesome. Alrighty, mate. Anything else I can help you with before I let you go? Awesome, Steven. Look, I really do appreciate, honestly, mate, touching base with us and jumping on with me. Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving. And so that way, things won't sit there for too long in the wrong spot. And especially given the way that it is at the moment, they're changing pretty quickly. And the worst thing is if we just can't get in touch with people and we can't change anything, it's a bit hard to make sure you're on the spot. Awesome, mate. Thank you so much time again, and I look forward to chatting to you again. Cheers, mate. 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day, Steven. Tommy here from Oakview Financial Lane. How I live in the beautiful day on the Gold Coast, and the the boss has brought his dog into the office. So it's brilliant. How are you going?\n\nThat's the way. I've got this document to send through you and just update the strategies we were talking about. Now I just quickly check with you. I'm running into the technical issues with the email server, which will be fixed in about three minutes flat. Do you still have a bit of time for me this afternoon about fifteen minutes?\n\nCool. So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you. It will just take me a minute to get it to your email address. Can I just confirm your date of birth and address, please? Amazing.\n\nAnd I'm registered adviser 1273105. Are you okay for this call to be recorded? Perfect. So just a quick little recap with what we're doing. We were kind of just doing a few updates on the, like, portfolio and things like that.\n\nMain thing for you is we would get your risk level on the super reduced a little bit just because, obviously, you're getting closer to the time and age. We're trying to bump you down high risk down to something a bit more appropriate. And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums. Does that ring a bell? Perfect.\n\nPerfect. Now for emails today, your Hotmail address there, will you be able to view that with me when I send it through? Perfect. Now just give me a minute. I'm gonna get that pack sent out to you, and I'll let you know once it actually gets through.\n\nWe've just had to refresh it a couple of times. So and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make sure you've got the full, you know, beneficiary bill, all that kind of thing in place. Just a reminder there because I think we were saying that you didn't have one yet. Yep. Cool.\n\nOutside of that, was there any other areas that you were wanting to focus for the updates, or was it just the the risk and the inferences? Cool. Say that again. Sorry, mate. Just out for a sec.\n\nYes. Yep. Perfect. So what I've basically done, logic behind it in the advice document, is I'm keeping pretty much all the same investments. We're just putting a bit more of the money into the safer investments, a little bit less into the growth assets.\n\nWhat that looks like is a little bit less in the shares, a little bit more in the term deposits, if that makes sense. The quick note was trimming down the insurances. We've got some quotation quotes there to trim down the insurances. That'll save about a thousand bucks. I'll factor that into the projections as well.\n\nThe the difference between the high growth portfolio and the growth portfolio going from a five out of five to a four out of five on the risk scale, actually that much different in terms of performance. So I think it was gonna drop your your five year average from 11% down to about 10, which is still well and truly above that 9% above that we're aiming for for a benchmark. I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal. I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one. So, basically, everything was like a resounding success at the moment.\n\nAnd once we get that in place, premiums will go the risk will go down, and then we'll an eye on it every two after that. Cool. Now just popping that through to you now. It should come through in the next next thirty seconds or so. And I do see you you have already signed the service agreement, so it should go through to your main pretty quickly.\n\nAlright. So that opens it up to peruse through with me. And, basically, there's a button there to skip through documents, but I just want you to have a scrub through with me first. Alright. You should see the beachfront city picture on the Gold Coast on the front page.\n\nAnd I just want you to go through to that pages three four that has scope of advice. Yep. Gotcha. So, again, main scope is the super and the retirement, the insure reduction, give a reminder on the estate planning. The areas that are not considered in this document is, you know, budget, cash through income protection, and trauma insurance.\n\nSo in terms of doing the additional repayments to the mortgage, to have it off in time for retirement, we're obviously not giving you less on that. You're perfectly capable of managing that personally. Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years. And once you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup. Does that ring a bell?\n\nPerfect. Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10. There's, like, an use section with details and your assets and liabilities as well. K. So lead trainer, 110,000.\n\nWe've got your mobile, your email. Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together there. Cool. Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio. Pages eleven and twelve, that'll be your risk profile.\n\nSo again, in terms of sale, it goes conservative, moderate, balanced growth, high growth. We're taking you down from a high growth down to a growth. Basically, just one peg at the moment, and then every few years, look at maybe reducing it further. K? Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there.\n\nI apologize. Under strategies. Can you see that one there popping up? Yeah. And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it.\n\nK. So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit. And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around. Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free. At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments around.\n\nNow what that kind of means materially for you is if you swing down and going through fifteen, sixteen, and 17, you should start to see some tables pop up blue with a fee comparison. And it's got, like, a current and a ended and a difference there. So 1,300 for the capital gains tax inside the super. Invest fees drop a little bit and then percentage based. So your balance grows the more that dollar value saves with the the cheaper investments.\n\nAnd I factored in there the reduced premiums for the insurance as well. Bottom of that table has the five year rolling average, which in terms of the returns, point five three to 10.8. And it's actually not too much of a difference to drop the risk level down a peg in terms of the returns. K. Updated projections.\n\nSo if you're on a page 17, we'll have it should say lump sum in five years, lump sum in ten years, and it just gives you an idea about what you're kind of on track for at a got a where it's got, like, five year, ten year, and it's got a difference there. So by dropping the risk level down, you basically go from let's say, we're gonna hit 600,000, but you've made $596,000. It's not too much of a difference in a ten year projection. And then for the return under it, it should say annualized investment returns, 07/31/2026. And it basically just steps at one year, three, five, and 10.\n\nYou can see they're pretty similar in terms of the returns between each each time period. K? Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement. So the last couple of tables I wanna show you, there's three last ones, is an investments table after that, which, to be honest, is quite figures on there. If you see it, the red heading, blue table, there's a smattering of numbers and percentages under an investments table.\n\nNow, basically, the main thing here is all the numbers in the second last column under the target weights, they're all round figures. 10%, 25, and eight. And what we're doing, we're reducing exposure to the growth assets, but we're also just bringing all of your investments back in line with auto portfolio. What I mean by that is if one of your shares was supposed to be 5% and the other one was 5%, but one's gone at seven and one's gone down four, we're just in the back in line to that 5%. Does that make sense?\n\nCool. There is only one option that's being sold out, which is some of the international shares because I just can't keep you in with a a six options that are all in shares when we're going down that risk level. Kind of can only keep you in five of those higher risk options. K? Now what that translates to, you know, I guess, terms is if you go down to can you see that colored pie chart on the next page where it's your asset allocation?\n\nShould have, like, red yep. Now the very middle row says growth total, and it's in eighty percent five eighty five. Basically, if you're in a growth profile, you wanna be average somewhere between 90% growth asset in shares and property instead of 90 to a 100%. You're currently sitting 95. When we've popped you down a little bit, you go to 85%.\n\nSo it's a small adjust to the risk level, drop down about 10%. K. And the last one is the retirement income calculation. So there'll be some blue and green bars there. We've just used the government money smart calculator for that one.\n\nThere's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because you're not still gonna be a high risk when you're in your sixties. We're just factoring in that we are drop the risk level down. Are you still gonna be track? And, yeah, pretty easy to hit that retirement goal as long as you can smash out that mortgage over the next five to seven years, your super should well and truly be out of support. Your income is based on what we've talked about.\n\nAnd if drops, the age pension will will top you back up again as well. What it basically meant is that it'll be able to last well and truly past life expectancy. So when you get to age 85, 90, you're not sitting there with all super wiped out and just living on the age pension, there'll still be something there. Yep. Any questions on that so far on the super side of things?\n\nCool. It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000 from $6.36 that you've currently got. K? Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great. But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly.\n\nSo every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense. Cool. I've attached inside this document pack just an alteration quote. You don't have to go through the application or any forms, anything like that. To reduce it down, it's basically just sign the quote and we're good to go.\n\nCool. And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place. And it just relists our our services, our fees, and at the bottom there as well. Basically, to implement everything, it's straightforward. I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account.\n\nOnce you sign the reduction quote, we can send that off to Tal. They'll action that and give you a refund. I was going to send possibly some beneficiary forms through to you just to make sure that's there. But I think yours is in place okay. But I'll send you a message if we need to update that.\n\nK. I'm just gonna check your ID on file. The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file. And just open your current ID that you've got just to see the expiry here for a second, which is in territory. I've actually not really as much before, I must say.\n\nJust trying to the expiry date. I do apologize, mate. It's got the the numbers backwards here. There we go. May 26.\n\nSo I might need to flick you a link just to get the updated ID to submit along with it. Is that okay? Yep. Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers. And that way, they can they can approve it.\n\nSo I do the certification. Basically, we just get a bit of your ID. I'll do that and stamp it. Yeah. Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all.\n\nIf you're okay to at least text through a photo. Pretty much. Yeah. Front and back nice and clear if you can. Otherwise, they tend to go can't see those writing on there.\n\nWe'll have to reject it. Sensational. Nice and easy there. Drop the risk. Drop the premiums.\n\nKeep an eye on things together. Any questions on your Cool. Alrighty. When you're comfortable with this one, there's three documents. That statement of advice at the bottom has, like, a a start button to sign the authority to proceed.\n\nI can document just in a yes, please. If you could, it'll kind of stamp your signature name and sorry. Date on that. If you feel more comfortable, you can pull a signature by clicking on it, but we don't require you to do that. And if you can, if that's Yep.\n\nYep. Go for it. Yes. So can you the paragraphs of writing of it? Basically, what it says top one is you're okay to implement all of the advice.\n\nThe second one is if you would like to vary the advice and not implement all of it, you can actually type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a. Like, n a for me?\n\nLike, m slash a would be fantastic. Thank you. There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended. And then this one does require a signature. It's just the the alteration quote.\n\nYes, please. Yeah. If that is the blue one, you can just skip document. It's just got the research in there. Yes.\n\nThat's the one. Green t a l. It's basically page one, two, three. The fourth page has signature spots, and those two pages have the the quote answers. Yes, please.\n\nAnd it will take a few seconds to load. You'll have a spinning circle once you validate it and ask you if you wanna download copy for your records. And I'll just for a minute to see if that comes through alright on my end. Yeah. There are they can be those ones.\n\nThankfully, I don't have 15 documents on because sometimes it takes about seven minutes for those. This one's short and sweet, so it shouldn't be too long. Unless there's some Internet slowage down your end made, they're usually pretty good. Beautiful. And just out of curiosity, this was actually a, like, a custom built system that we've got.\n\nSo all of your detail, you've got, like, client profile with us, and it's all of your your points together on LinkedIn with this document system. Was that okay to use? Is it pretty user friendly? Any I can pass off to the to you guys? Beautiful.\n\nAnd that's come through my end too. So thank you so much for that. Really appreciate it. Awesome, Steve. Before I let you go, we've basically up the next sort of review and things like that.\n\nIs there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then? Yep. Looks okay for you. Perfect. Alright.\n\nI'll make sure that's in the system there as well. And, mate, we're good to go. I'll get this fixed up for you because it is Wednesday today. Should be able to get all this submitted either by the end of the week or early next week. For the ID?\n\nI can access that right this second, but I'll get that texted through you hopefully within an hour or so. Cool. Awesome. Alrighty, mate. Anything else I can help you with before I let you go?\n\nAwesome, Steven. Look, I really do appreciate, honestly, mate, touching base with us and jumping on with me. Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving. And so that way, things won't sit there for too long in the wrong spot. And especially given the way that it is at the moment, they're changing pretty quickly.\n\nAnd the worst thing is if we just can't get in touch with people and we can't change anything, it's a bit hard to make sure you're on the spot. Awesome, mate. Thank you so much time again, and I look forward to chatting to you again. Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Steven.","start":2.72,"end":3.6,"sentiment":"neutral","sentiment_score":0.3035345673561096},{"text":"Tommy here from Oakview Financial Lane.","start":3.6,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1743113932510217},{"text":"How I live in the beautiful day on the Gold Coast, and the the boss has brought his dog into the office.","start":5.2799997,"end":13.04,"sentiment":"positive","sentiment_score":0.58134221827442},{"text":"So it's brilliant.","start":13.04,"end":13.759999,"sentiment":"positive","sentiment_score":0.7783721089363098},{"text":"How are you going?","start":13.759999,"end":14.58,"sentiment":"positive","sentiment_score":0.42324887961149216}],"sentiment":"positive","sentiment_score":0.49405559760175255,"num_words":38,"start":2.72,"end":14.58},{"sentences":[{"text":"That's the way.","start":21.744999,"end":24.385,"sentiment":"neutral","sentiment_score":0.018824622035026547},{"text":"I've got this document to send through you and just update the strategies we were talking about.","start":24.385,"end":30.325,"sentiment":"neutral","sentiment_score":0.09989798901712194},{"text":"Now I just quickly check with you.","start":30.465,"end":31.949999,"sentiment":"neutral","sentiment_score":0.07012994693858284},{"text":"I'm running into the technical issues with the email server, which will be fixed in about three minutes flat.","start":31.949999,"end":38.21,"sentiment":"neutral","sentiment_score":0.036512115970253944},{"text":"Do you still have a bit of time for me this afternoon about fifteen minutes?","start":38.27,"end":41.489998,"sentiment":"neutral","sentiment_score":0.026330136011044183}],"sentiment":"neutral","sentiment_score":0.05466117297650361,"num_words":61,"start":21.744999,"end":41.489998},{"sentences":[{"text":"Cool.","start":44.59,"end":45.07,"sentiment":"neutral","sentiment_score":0.25994548201560974},{"text":"So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you.","start":45.07,"end":53.205,"sentiment":"neutral","sentiment_score":0.11446336430052052},{"text":"It will just take me a minute to get it to your email address.","start":53.205,"end":56.025,"sentiment":"neutral","sentiment_score":0.09508581353085381},{"text":"Can I just confirm your date of birth and address, please?","start":56.485,"end":60.185,"sentiment":"neutral","sentiment_score":0.03814218870618127},{"text":"Amazing.","start":68.14,"end":68.619995,"sentiment":"neutral","sentiment_score":0.2936897277832031}],"sentiment":"neutral","sentiment_score":0.09874116107821465,"num_words":50,"start":44.59,"end":68.619995},{"sentences":[{"text":"And I'm registered adviser 1273105.","start":68.619995,"end":72.06,"sentiment":"neutral","sentiment_score":0.10262413918972016},{"text":"Are you okay for this call to be recorded?","start":72.06,"end":73.92,"sentiment":"neutral","sentiment_score":0.055076468735933304},{"text":"Perfect.","start":76.064995,"end":76.564995,"sentiment":"positive","sentiment_score":0.34993183612823486},{"text":"So just a quick little recap with what we're doing.","start":76.784996,"end":80.405,"sentiment":"neutral","sentiment_score":0.13223681673407556},{"text":"We were kind of just doing a few updates on the, like, portfolio and things like that.","start":81.024994,"end":86.485,"sentiment":"neutral","sentiment_score":0.08015152329907697}],"sentiment":"neutral","sentiment_score":0.09627820986012618,"num_words":42,"start":68.619995,"end":86.485},{"sentences":[{"text":"Main thing for you is we would get your risk level on the super reduced a little bit just because, obviously, you're getting closer to the time and age.","start":86.865,"end":95.28,"sentiment":"neutral","sentiment_score":-0.005841228404435618},{"text":"We're trying to bump you down high risk down to something a bit more appropriate.","start":95.34,"end":99.119995,"sentiment":"neutral","sentiment_score":0.0010083680351575211},{"text":"And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums.","start":101.475,"end":107.395004,"sentiment":"neutral","sentiment_score":0.07756989305982223},{"text":"Does that ring a bell?","start":107.395004,"end":108.535,"sentiment":"neutral","sentiment_score":0.06894357353448868},{"text":"Perfect.","start":110.275,"end":110.675,"sentiment":"positive","sentiment_score":0.4350652992725372}],"sentiment":"neutral","sentiment_score":0.03476750372761959,"num_words":76,"start":86.865,"end":110.675},{"sentences":[{"text":"Perfect.","start":110.675,"end":111.175,"sentiment":"positive","sentiment_score":0.411720871925354},{"text":"Now for emails today, your Hotmail address there, will you be able to view that with me when I send it through?","start":111.795,"end":119.02,"sentiment":"neutral","sentiment_score":0.17658202756534924},{"text":"Perfect.","start":122.119995,"end":122.619995,"sentiment":"positive","sentiment_score":0.7164284586906433},{"text":"Now just give me a minute.","start":122.759995,"end":123.88,"sentiment":"positive","sentiment_score":0.35032052795092267},{"text":"I'm gonna get that pack sent out to you, and I'll let you know once it actually gets through.","start":123.88,"end":128.535,"sentiment":"neutral","sentiment_score":0.25424751717793315}],"sentiment":"neutral","sentiment_score":0.24378734553346829,"num_words":49,"start":110.675,"end":128.535},{"sentences":[{"text":"We've just had to refresh it a couple of times.","start":128.535,"end":130.61499,"sentiment":"neutral","sentiment_score":0.10538190603256226},{"text":"So and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make sure you've got the full, you know, beneficiary bill, all that kind of thing in place.","start":130.61499,"end":148.92,"sentiment":"neutral","sentiment_score":0.05908212544662612},{"text":"Just a reminder there because I think we were saying that you didn't have one yet.","start":149.38,"end":153.64,"sentiment":"neutral","sentiment_score":-0.0291055851848796},{"text":"Yep.","start":157.095,"end":157.575,"sentiment":"neutral","sentiment_score":0.008669890463352203},{"text":"Cool.","start":157.575,"end":158.075,"sentiment":"neutral","sentiment_score":0.11992064118385316}],"sentiment":"neutral","sentiment_score":0.047920467309831155,"num_words":84,"start":128.535,"end":158.075},{"sentences":[{"text":"Outside of that, was there any other areas that you were wanting to focus for the updates, or was it just the the risk and the inferences?","start":159.575,"end":166.395,"sentiment":"neutral","sentiment_score":0.003836380938688914},{"text":"Cool.","start":170.615,"end":170.97,"sentiment":"neutral","sentiment_score":0.12412795424461363},{"text":"Say that again.","start":175.05,"end":175.69,"sentiment":"neutral","sentiment_score":-0.03767187024156252},{"text":"Sorry, mate.","start":175.69,"end":176.25,"sentiment":"neutral","sentiment_score":-0.100589819252491},{"text":"Just out for a sec.","start":176.25,"end":177.31,"sentiment":"neutral","sentiment_score":-0.06327791586518287}],"sentiment":"neutral","sentiment_score":-0.010601962867536043,"num_words":38,"start":159.575,"end":177.31},{"sentences":[{"text":"Yes.","start":182.89,"end":183.255,"sentiment":"neutral","sentiment_score":0.0034844614565372467},{"text":"Yep.","start":187.57501,"end":187.895,"sentiment":"neutral","sentiment_score":0.13316914439201355},{"text":"Perfect.","start":187.895,"end":188.21501,"sentiment":"neutral","sentiment_score":0.24745139479637143},{"text":"So what I've basically done, logic behind it in the advice document, is I'm keeping pretty much all the same investments.","start":188.21501,"end":195.195,"sentiment":"neutral","sentiment_score":0.09691183073889642},{"text":"We're just putting a bit more of the money into the safer investments, a little bit less into the growth assets.","start":195.59001,"end":201.37001,"sentiment":"neutral","sentiment_score":0.038974223392350335}],"sentiment":"neutral","sentiment_score":0.07194915860891342,"num_words":45,"start":182.89,"end":201.37001},{"sentences":[{"text":"What that looks like is a little bit less in the shares, a little bit more in the term deposits, if that makes sense.","start":202.15001,"end":210.915,"sentiment":"neutral","sentiment_score":0.0033179670572280884},{"text":"The quick note was trimming down the insurances.","start":210.915,"end":213.495,"sentiment":"neutral","sentiment_score":0.10875542461872101},{"text":"We've got some quotation quotes there to trim down the insurances.","start":213.555,"end":217.97499,"sentiment":"neutral","sentiment_score":0.15845732255415482},{"text":"That'll save about a thousand bucks.","start":218.435,"end":220.295,"sentiment":"neutral","sentiment_score":0.26243283102909726},{"text":"I'll factor that into the projections as well.","start":220.435,"end":222.75,"sentiment":"neutral","sentiment_score":0.15386505238711834}],"sentiment":"neutral","sentiment_score":0.09646004490685045,"num_words":57,"start":202.15001,"end":222.75},{"sentences":[{"text":"The the difference between the high growth portfolio and the growth portfolio going from a five out of five to a four out of five on the risk scale, actually that much different in terms of performance.","start":223.31,"end":235.17,"sentiment":"neutral","sentiment_score":-0.05192356068338897},{"text":"So I think it was gonna drop your your five year average from 11% down to about 10, which is still well and truly above that 9% above that we're aiming for for a benchmark.","start":235.635,"end":247.17499,"sentiment":"neutral","sentiment_score":0.17959875267531192},{"text":"I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal.","start":250.24,"end":258.18,"sentiment":"positive","sentiment_score":0.4143195226788521},{"text":"I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one.","start":259.04,"end":268.445,"sentiment":"neutral","sentiment_score":0.32085834989945095},{"text":"So, basically, everything was like a resounding success at the moment.","start":270.905,"end":275.165,"sentiment":"positive","sentiment_score":0.709481493993239}],"sentiment":"neutral","sentiment_score":0.2316678837485557,"num_words":137,"start":223.31,"end":275.165},{"sentences":[{"text":"And once we get that in place, premiums will go the risk will go down, and then we'll an eye on it every two after that.","start":275.305,"end":282.67,"sentiment":"neutral","sentiment_score":0.32763357632435286},{"text":"Cool.","start":285.21002,"end":285.71002,"sentiment":"positive","sentiment_score":0.5543217658996582},{"text":"Now just popping that through to you now.","start":285.77002,"end":287.61002,"sentiment":"positive","sentiment_score":0.40184299647808075},{"text":"It should come through in the next next thirty seconds or so.","start":287.61002,"end":291.565,"sentiment":"positive","sentiment_score":0.3567369456092517},{"text":"And I do see you you have already signed the service agreement, so it should go through to your main pretty quickly.","start":291.865,"end":297.32498,"sentiment":"neutral","sentiment_score":0.3241254829547622}],"sentiment":"positive","sentiment_score":0.3434658361517865,"num_words":69,"start":275.305,"end":297.32498},{"sentences":[{"text":"Alright.","start":308.93,"end":309.43,"sentiment":"neutral","sentiment_score":0.10707169026136398},{"text":"So that opens it up to peruse through with me.","start":313.65,"end":316.69,"sentiment":"neutral","sentiment_score":0.12776611298322677},{"text":"And, basically, there's a button there to skip through documents, but I just want you to have a scrub through with me first.","start":316.69,"end":322.455,"sentiment":"neutral","sentiment_score":0.049478674388450126},{"text":"Alright.","start":325.63498,"end":325.955,"sentiment":"neutral","sentiment_score":0.07874083518981934},{"text":"You should see the beachfront city picture on the Gold Coast on the front page.","start":325.955,"end":330.21,"sentiment":"neutral","sentiment_score":0.1048031727472941}],"sentiment":"neutral","sentiment_score":0.08347061514854431,"num_words":50,"start":308.93,"end":330.21},{"sentences":[{"text":"And I just want you to go through to that pages three four that has scope of advice.","start":330.21,"end":335.19,"sentiment":"neutral","sentiment_score":0.060155431222584516},{"text":"Yep.","start":340.05,"end":340.44998,"sentiment":"neutral","sentiment_score":0.1652998328208923},{"text":"Gotcha.","start":340.44998,"end":340.94998,"sentiment":"neutral","sentiment_score":0.2946065068244934},{"text":"So, again, main scope is the super and the retirement, the insure reduction, give a reminder on the estate planning.","start":344.825,"end":351.965,"sentiment":"neutral","sentiment_score":0.14693330377340316},{"text":"The areas that are not considered in this document is, you know, budget, cash through income protection, and trauma insurance.","start":352.185,"end":360.48,"sentiment":"neutral","sentiment_score":0.02880920600146055}],"sentiment":"neutral","sentiment_score":0.08429257161915302,"num_words":60,"start":330.21,"end":360.48},{"sentences":[{"text":"So in terms of doing the additional repayments to the mortgage, to have it off in time for retirement, we're obviously not giving you less on that.","start":360.94,"end":369.26,"sentiment":"neutral","sentiment_score":0.22096260609450163},{"text":"You're perfectly capable of managing that personally.","start":369.26,"end":371.92,"sentiment":"positive","sentiment_score":0.5302809136254447},{"text":"Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years.","start":375.155,"end":383.575,"sentiment":"neutral","sentiment_score":0.043945896236792854},{"text":"And once you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup.","start":383.795,"end":390.54,"sentiment":"neutral","sentiment_score":0.08251221202637839},{"text":"Does that ring a bell?","start":390.54,"end":391.6,"sentiment":"neutral","sentiment_score":0.06208533197641373}],"sentiment":"neutral","sentiment_score":0.15172846952781957,"num_words":85,"start":360.94,"end":391.6},{"sentences":[{"text":"Perfect.","start":394.22,"end":394.72,"sentiment":"positive","sentiment_score":0.6366832256317139},{"text":"Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10.","start":394.78,"end":399.84,"sentiment":"neutral","sentiment_score":0.08257956844237116},{"text":"There's, like, an use section with details and your assets and liabilities as well.","start":399.9,"end":405.665,"sentiment":"neutral","sentiment_score":0.06266343753252711},{"text":"K.","start":408.365,"end":408.865,"sentiment":"neutral","sentiment_score":0.03848838061094284},{"text":"So lead trainer, 110,000.","start":409.085,"end":411.585,"sentiment":"neutral","sentiment_score":0.060618151910603046}],"sentiment":"neutral","sentiment_score":0.08635169924481918,"num_words":38,"start":394.22,"end":411.585},{"sentences":[{"text":"We've got your mobile, your email.","start":411.64502,"end":413.42502,"sentiment":"neutral","sentiment_score":0.08414017781615257},{"text":"Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together there.","start":414.20502,"end":421.77,"sentiment":"neutral","sentiment_score":0.06230023765453586},{"text":"Cool.","start":423.59,"end":424.09,"sentiment":"neutral","sentiment_score":0.24489164352416992},{"text":"Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio.","start":425.59,"end":433.32498,"sentiment":"neutral","sentiment_score":0.06219515316188336},{"text":"Pages eleven and twelve, that'll be your risk profile.","start":434.585,"end":437.645,"sentiment":"neutral","sentiment_score":0.03757833192745844}],"sentiment":"neutral","sentiment_score":0.06371344726473566,"num_words":63,"start":411.64502,"end":437.645},{"sentences":[{"text":"So again, in terms of sale, it goes conservative, moderate, balanced growth, high growth.","start":441.94498,"end":447.08002,"sentiment":"neutral","sentiment_score":0.1936323642730713},{"text":"We're taking you down from a high growth down to a growth.","start":447.08002,"end":449.66,"sentiment":"neutral","sentiment_score":0.15791784164806208},{"text":"Basically, just one peg at the moment, and then every few years, look at maybe reducing it further.","start":452.04,"end":456.62,"sentiment":"neutral","sentiment_score":-0.10246412828564644},{"text":"K?","start":459.24,"end":459.675,"sentiment":"neutral","sentiment_score":-0.009624764323234558},{"text":"Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there.","start":459.91498,"end":467.91498,"sentiment":"neutral","sentiment_score":-0.021352323819883168}],"sentiment":"neutral","sentiment_score":0.03245554136895183,"num_words":69,"start":441.94498,"end":467.91498},{"sentences":[{"text":"I apologize.","start":467.91498,"end":468.495,"sentiment":"neutral","sentiment_score":-0.0954841822385788},{"text":"Under strategies.","start":469.115,"end":469.85498,"sentiment":"neutral","sentiment_score":-0.0365692563354969},{"text":"Can you see that one there popping up?","start":473.38,"end":475.48,"sentiment":"neutral","sentiment_score":-0.001105590141378343},{"text":"Yeah.","start":481.3,"end":481.78,"sentiment":"neutral","sentiment_score":0.0115634985268116},{"text":"And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it.","start":481.78,"end":490.345,"sentiment":"neutral","sentiment_score":0.03128165782739719}],"sentiment":"neutral","sentiment_score":0.01322626184068016,"num_words":37,"start":467.91498,"end":490.345},{"sentences":[{"text":"K.","start":492.405,"end":492.805,"sentiment":"neutral","sentiment_score":0.07400240004062653},{"text":"So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit.","start":492.805,"end":499.32,"sentiment":"neutral","sentiment_score":0.05892971406380335},{"text":"And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around.","start":500.44,"end":512.955,"sentiment":"neutral","sentiment_score":0.08349285294271765},{"text":"Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free.","start":513.59503,"end":524.97504,"sentiment":"neutral","sentiment_score":0.33293299422119604},{"text":"At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments around.","start":525.115,"end":533.43,"sentiment":"neutral","sentiment_score":0.14960004679030842}],"sentiment":"neutral","sentiment_score":0.16903263930894005,"num_words":104,"start":492.405,"end":533.43},{"sentences":[{"text":"Now what that kind of means materially for you is if you swing down and going through fifteen, sixteen, and 17, you should start to see some tables pop up blue with a fee comparison.","start":535.57,"end":547.005,"sentiment":"neutral","sentiment_score":0.25483490228652955},{"text":"And it's got, like, a current and a ended and a difference there.","start":547.46497,"end":550.685,"sentiment":"neutral","sentiment_score":0.16592557212481132},{"text":"So 1,300 for the capital gains tax inside the super.","start":553.865,"end":557.40497,"sentiment":"neutral","sentiment_score":0.19395410344004632},{"text":"Invest fees drop a little bit and then percentage based.","start":557.625,"end":560.54,"sentiment":"neutral","sentiment_score":0.1863771766424179},{"text":"So your balance grows the more that dollar value saves with the the cheaper investments.","start":560.68,"end":566.46,"sentiment":"positive","sentiment_score":0.5423443377017975}],"sentiment":"neutral","sentiment_score":0.27728592631328536,"num_words":83,"start":535.57,"end":566.46},{"sentences":[{"text":"And I factored in there the reduced premiums for the insurance as well.","start":567.0,"end":571.1,"sentiment":"positive","sentiment_score":0.42231096441929156},{"text":"Bottom of that table has the five year rolling average, which in terms of the returns, point five three to 10.8.","start":571.8,"end":579.16504,"sentiment":"positive","sentiment_score":0.35724835310663494},{"text":"And it's actually not too much of a difference to drop the risk level down a peg in terms of the returns.","start":579.16504,"end":584.465,"sentiment":"neutral","sentiment_score":0.1854047246954658},{"text":"K.","start":586.765,"end":587.19,"sentiment":"neutral","sentiment_score":0.08937281370162964},{"text":"Updated projections.","start":588.15,"end":589.21,"sentiment":"neutral","sentiment_score":0.12254726141691208}],"sentiment":"neutral","sentiment_score":0.2950106649580648,"num_words":59,"start":567.0,"end":589.21},{"sentences":[{"text":"So if you're on a page 17, we'll have it should say lump sum in five years, lump sum in ten years, and it just gives you an idea about what you're kind of on track for at a got a where it's got, like, five year, ten year, and it's got a difference there.","start":589.27,"end":615.43,"sentiment":"neutral","sentiment_score":0.15839593992991882},{"text":"So by dropping the risk level down, you basically go from let's say, we're gonna hit 600,000, but you've made $596,000.","start":616.93,"end":625.83,"sentiment":"neutral","sentiment_score":0.13121126059974944},{"text":"It's not too much of a difference in a ten year projection.","start":626.355,"end":629.895,"sentiment":"neutral","sentiment_score":0.0605963778992494},{"text":"And then for the return under it, it should say annualized investment returns, 07/31/2026.","start":630.435,"end":637.89,"sentiment":"neutral","sentiment_score":0.12980993624244416},{"text":"And it basically just steps at one year, three, five, and 10.","start":638.05,"end":642.31,"sentiment":"neutral","sentiment_score":0.1723423128326734}],"sentiment":"neutral","sentiment_score":0.14105102249927687,"num_words":114,"start":589.27,"end":642.31},{"sentences":[{"text":"You can see they're pretty similar in terms of the returns between each each time period.","start":642.53,"end":647.51,"sentiment":"neutral","sentiment_score":0.2782862149178982},{"text":"K?","start":649.89,"end":650.29004,"sentiment":"neutral","sentiment_score":0.00601101852953434},{"text":"Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement.","start":650.29004,"end":657.475,"sentiment":"neutral","sentiment_score":-0.04076729682476624},{"text":"So the last couple of tables I wanna show you, there's three last ones, is an investments table after that, which, to be honest, is quite figures on there.","start":657.695,"end":666.975,"sentiment":"neutral","sentiment_score":0.06813077872683262},{"text":"If you see it, the red heading, blue table, there's a smattering of numbers and percentages under an investments table.","start":666.975,"end":674.64996,"sentiment":"neutral","sentiment_score":0.057442675437778236}],"sentiment":"neutral","sentiment_score":0.07466953620314598,"num_words":89,"start":642.53,"end":674.64996},{"sentences":[{"text":"Now, basically, the main thing here is all the numbers in the second last column under the target weights, they're all round figures.","start":676.31,"end":683.39496,"sentiment":"neutral","sentiment_score":0.17324169077303098},{"text":"10%, 25, and eight.","start":683.77496,"end":685.795,"sentiment":"neutral","sentiment_score":0.16737321019172668},{"text":"And what we're doing, we're reducing exposure to the growth assets, but we're also just bringing all of your investments back in line with auto portfolio.","start":685.935,"end":695.39496,"sentiment":"positive","sentiment_score":0.3474629315046164},{"text":"What I mean by that is if one of your shares was supposed to be 5% and the other one was 5%, but one's gone at seven and one's gone down four, we're just in the back in line to that 5%.","start":696.095,"end":709.52,"sentiment":"neutral","sentiment_score":0.03135299030691385},{"text":"Does that make sense?","start":709.58,"end":710.56,"sentiment":"neutral","sentiment_score":0.0826704241335392}],"sentiment":"neutral","sentiment_score":0.15490500239486044,"num_words":99,"start":676.31,"end":710.56},{"sentences":[{"text":"Cool.","start":713.40497,"end":713.90497,"sentiment":"positive","sentiment_score":0.34045693278312683},{"text":"There is only one option that's being sold out, which is some of the international shares because I just can't keep you in with a a six options that are all in shares when we're going down that risk level.","start":714.925,"end":729.27997,"sentiment":"neutral","sentiment_score":-0.08208693051710725},{"text":"Kind of can only keep you in five of those higher risk options.","start":729.42,"end":734.48,"sentiment":"neutral","sentiment_score":-0.24371080902906564},{"text":"K?","start":737.5,"end":738.0,"sentiment":"neutral","sentiment_score":0.013305636122822762},{"text":"Now what that translates to, you know, I guess, terms is if you go down to can you see that colored pie chart on the next page where it's your asset allocation?","start":738.365,"end":748.225,"sentiment":"neutral","sentiment_score":0.054053759784437716}],"sentiment":"neutral","sentiment_score":-0.05020959604659985,"num_words":87,"start":713.40497,"end":748.225},{"sentences":[{"text":"Should have, like, red yep.","start":748.845,"end":750.545,"sentiment":"neutral","sentiment_score":0.08161119297146797},{"text":"Now the very middle row says growth total, and it's in eighty percent five eighty five.","start":750.925,"end":758.79,"sentiment":"neutral","sentiment_score":0.08389305789023638},{"text":"Basically, if you're in a growth profile, you wanna be average somewhere between 90% growth asset in shares and property instead of 90 to a 100%.","start":761.97,"end":771.885,"sentiment":"neutral","sentiment_score":0.08243735034305316},{"text":"You're currently sitting 95.","start":774.34503,"end":777.565,"sentiment":"neutral","sentiment_score":0.06911060400307178},{"text":"When we've popped you down a little bit, you go to 85%.","start":777.865,"end":780.745,"sentiment":"neutral","sentiment_score":0.006151655378441016}],"sentiment":"neutral","sentiment_score":0.06736473461228704,"num_words":63,"start":748.845,"end":780.745},{"sentences":[{"text":"So it's a small adjust to the risk level, drop down about 10%.","start":780.745,"end":785.13,"sentiment":"neutral","sentiment_score":-0.07766965633401504},{"text":"K.","start":787.91,"end":788.41,"sentiment":"neutral","sentiment_score":0.06601464748382568},{"text":"And the last one is the retirement income calculation.","start":788.95,"end":792.89,"sentiment":"neutral","sentiment_score":0.08694279193878174},{"text":"So there'll be some blue and green bars there.","start":793.67,"end":796.155,"sentiment":"neutral","sentiment_score":0.10187238206466039},{"text":"We've just used the government money smart calculator for that one.","start":796.155,"end":799.375,"sentiment":"neutral","sentiment_score":0.1465131173079664}],"sentiment":"neutral","sentiment_score":0.055053255152563714,"num_words":43,"start":780.745,"end":799.375},{"sentences":[{"text":"There's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because you're not still gonna be a high risk when you're in your sixties.","start":802.955,"end":814.97003,"sentiment":"neutral","sentiment_score":0.1392870114317962},{"text":"We're just factoring in that we are drop the risk level down.","start":815.03,"end":818.09,"sentiment":"neutral","sentiment_score":0.09971959578494231},{"text":"Are you still gonna be track?","start":818.79004,"end":820.33,"sentiment":"neutral","sentiment_score":0.08441940570871036},{"text":"And, yeah, pretty easy to hit that retirement goal as long as you can smash out that mortgage over the next five to seven years, your super should well and truly be out of support.","start":823.83,"end":833.665,"sentiment":"positive","sentiment_score":0.3535571932792664},{"text":"Your income is based on what we've talked about.","start":833.725,"end":836.065,"sentiment":"neutral","sentiment_score":0.20869835217793783}],"sentiment":"neutral","sentiment_score":0.21475241152742475,"num_words":97,"start":802.955,"end":836.065},{"sentences":[{"text":"And if drops, the age pension will will top you back up again as well.","start":836.365,"end":841.265,"sentiment":"neutral","sentiment_score":0.1284879371523857},{"text":"What it basically meant is that it'll be able to last well and truly past life expectancy.","start":844.48004,"end":849.94,"sentiment":"neutral","sentiment_score":0.288744057802593},{"text":"So when you get to age 85, 90, you're not sitting there with all super wiped out and just living on the age pension, there'll still be something there.","start":850.24,"end":858.285,"sentiment":"neutral","sentiment_score":0.0853298120200634},{"text":"Yep.","start":861.38495,"end":861.88495,"sentiment":"neutral","sentiment_score":0.10392898321151732},{"text":"Any questions on that so far on the super side of things?","start":862.26495,"end":864.925,"sentiment":"neutral","sentiment_score":0.06777615441630284}],"sentiment":"neutral","sentiment_score":0.13821318141511968,"num_words":74,"start":836.365,"end":864.925},{"sentences":[{"text":"Cool.","start":867.70496,"end":868.20496,"sentiment":"neutral","sentiment_score":0.23485122621059415},{"text":"It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000 from $6.36 that you've currently got.","start":868.66003,"end":881.88,"sentiment":"neutral","sentiment_score":0.08717633619904518},{"text":"K?","start":884.175,"end":884.675,"sentiment":"neutral","sentiment_score":0.07565123587846756},{"text":"Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great.","start":885.295,"end":892.995,"sentiment":"neutral","sentiment_score":0.1682364656166597},{"text":"But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly.","start":893.375,"end":901.89,"sentiment":"neutral","sentiment_score":0.11361562886408397}],"sentiment":"neutral","sentiment_score":0.12252916166824954,"num_words":70,"start":867.70496,"end":901.89},{"sentences":[{"text":"So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense.","start":902.11,"end":912.575,"sentiment":"neutral","sentiment_score":-0.008608580731293735},{"text":"Cool.","start":914.075,"end":914.575,"sentiment":"neutral","sentiment_score":0.08455940335988998},{"text":"I've attached inside this document pack just an alteration quote.","start":915.035,"end":919.695,"sentiment":"neutral","sentiment_score":0.23655773997306823},{"text":"You don't have to go through the application or any forms, anything like that.","start":919.915,"end":924.7,"sentiment":"neutral","sentiment_score":0.25482109082596643},{"text":"To reduce it down, it's basically just sign the quote and we're good to go.","start":924.83997,"end":928.45996,"sentiment":"positive","sentiment_score":0.46173721353212993}],"sentiment":"neutral","sentiment_score":0.17095943963205493,"num_words":74,"start":902.11,"end":928.45996},{"sentences":[{"text":"Cool.","start":931.16,"end":931.66,"sentiment":"positive","sentiment_score":0.6758846044540405},{"text":"And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place.","start":932.44,"end":942.305,"sentiment":"positive","sentiment_score":0.4009489382014555},{"text":"And it just relists our our services, our fees, and at the bottom there as well.","start":942.52496,"end":948.38495,"sentiment":"neutral","sentiment_score":0.3180253244936466},{"text":"Basically, to implement everything, it's straightforward.","start":951.4,"end":954.46,"sentiment":"positive","sentiment_score":0.4630882441997528},{"text":"I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account.","start":954.6,"end":964.22,"sentiment":"positive","sentiment_score":0.33605307054061156}],"sentiment":"positive","sentiment_score":0.37243931318622037,"num_words":83,"start":931.16,"end":964.22},{"sentences":[{"text":"Once you sign the reduction quote, we can send that off to Tal.","start":965.08,"end":969.15497,"sentiment":"neutral","sentiment_score":0.3081866537149136},{"text":"They'll action that and give you a refund.","start":969.375,"end":971.315,"sentiment":"positive","sentiment_score":0.34959473088383675},{"text":"I was going to send possibly some beneficiary forms through to you just to make sure that's there.","start":977.13495,"end":982.58997,"sentiment":"neutral","sentiment_score":0.16030348589022955},{"text":"But I think yours is in place okay.","start":982.58997,"end":985.25,"sentiment":"neutral","sentiment_score":0.17167646810412407},{"text":"But I'll send you a message if we need to update that.","start":985.79,"end":988.20996,"sentiment":"neutral","sentiment_score":0.04920998557160298}],"sentiment":"neutral","sentiment_score":0.19750133327255814,"num_words":59,"start":965.08,"end":988.20996},{"sentences":[{"text":"K.","start":990.43,"end":990.93,"sentiment":"neutral","sentiment_score":0.04067561402916908},{"text":"I'm just gonna check your ID on file.","start":992.35,"end":994.82996,"sentiment":"neutral","sentiment_score":0.03602994233369827},{"text":"The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file.","start":994.82996,"end":1004.535,"sentiment":"neutral","sentiment_score":0.06435842042167982},{"text":"And just open your current ID that you've got just to see the expiry here for a second, which is in territory.","start":1006.195,"end":1015.3,"sentiment":"neutral","sentiment_score":0.010649867525154894},{"text":"I've actually not really as much before, I must say.","start":1015.36005,"end":1019.86005,"sentiment":"neutral","sentiment_score":-0.19383652210235597}],"sentiment":"neutral","sentiment_score":0.007825346899704195,"num_words":71,"start":990.43,"end":1019.86005},{"sentences":[{"text":"Just trying to the expiry date.","start":1024.0801,"end":1025.665,"sentiment":"neutral","sentiment_score":-0.15985295424858728},{"text":"I do apologize, mate.","start":1025.665,"end":1026.785,"sentiment":"neutral","sentiment_score":-0.23407229781150818},{"text":"It's got the the numbers backwards here.","start":1026.785,"end":1029.925,"sentiment":"neutral","sentiment_score":-0.07799944547670228},{"text":"There we go.","start":1030.145,"end":1031.045,"sentiment":"neutral","sentiment_score":-0.012702526524662971},{"text":"May 26.","start":1031.505,"end":1032.785,"sentiment":"neutral","sentiment_score":-0.001806105487048625}],"sentiment":"neutral","sentiment_score":-0.11286921934647993,"num_words":22,"start":1024.0801,"end":1032.785},{"sentences":[{"text":"So I might need to flick you a link just to get the updated ID to submit along with it.","start":1032.785,"end":1037.665,"sentiment":"neutral","sentiment_score":0.030228825099766255},{"text":"Is that okay?","start":1037.665,"end":1038.485,"sentiment":"neutral","sentiment_score":0.07645266006390254},{"text":"Yep.","start":1040.545,"end":1041.045,"sentiment":"neutral","sentiment_score":0.12733390927314758},{"text":"Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers.","start":1041.2201,"end":1048.04,"sentiment":"neutral","sentiment_score":0.1503509134054184},{"text":"And that way, they can they can approve it.","start":1048.26,"end":1050.8401,"sentiment":"neutral","sentiment_score":0.18578077024883694}],"sentiment":"neutral","sentiment_score":0.10723452787432405,"num_words":54,"start":1032.785,"end":1050.8401},{"sentences":[{"text":"So I do the certification.","start":1055.295,"end":1056.915,"sentiment":"neutral","sentiment_score":0.0393919937312603},{"text":"Basically, we just get a bit of your ID.","start":1057.295,"end":1059.4551,"sentiment":"neutral","sentiment_score":0.028957380188835993},{"text":"I'll do that and stamp it.","start":1059.4551,"end":1061.0751,"sentiment":"neutral","sentiment_score":0.32601985583702725},{"text":"Yeah.","start":1062.8151,"end":1063.3151,"sentiment":"neutral","sentiment_score":0.2444884181022644},{"text":"Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all.","start":1064.175,"end":1070.61,"sentiment":"neutral","sentiment_score":0.1658701767715124}],"sentiment":"neutral","sentiment_score":0.14831507530935267,"num_words":47,"start":1055.295,"end":1070.61},{"sentences":[{"text":"If you're okay to at least text through a photo.","start":1070.61,"end":1072.7899,"sentiment":"neutral","sentiment_score":0.10123561099171638},{"text":"Pretty much.","start":1076.1299,"end":1076.61,"sentiment":"neutral","sentiment_score":0.27314572781324387},{"text":"Yeah.","start":1076.61,"end":1077.09,"sentiment":"neutral","sentiment_score":0.20108765363693237},{"text":"Front and back nice and clear if you can.","start":1077.09,"end":1079.09,"sentiment":"neutral","sentiment_score":0.28101753691832226},{"text":"Otherwise, they tend to go can't see those writing on there.","start":1079.09,"end":1081.8099,"sentiment":"neutral","sentiment_score":-0.10673717815767635}],"sentiment":"neutral","sentiment_score":0.0943873967185165,"num_words":33,"start":1070.61,"end":1081.8099},{"sentences":[{"text":"We'll have to reject it.","start":1081.8099,"end":1083.11,"sentiment":"neutral","sentiment_score":-0.24265215992927552},{"text":"Sensational.","start":1086.155,"end":1086.655,"sentiment":"positive","sentiment_score":0.36174747347831726},{"text":"Nice and easy there.","start":1087.995,"end":1089.035,"sentiment":"positive","sentiment_score":0.6573348343372345},{"text":"Drop the risk.","start":1089.035,"end":1089.915,"sentiment":"neutral","sentiment_score":0.2390672117471695},{"text":"Drop the premiums.","start":1089.915,"end":1090.8151,"sentiment":"neutral","sentiment_score":0.18244562049706778}],"sentiment":"neutral","sentiment_score":0.19014778174459934,"num_words":16,"start":1081.8099,"end":1090.8151},{"sentences":[{"text":"Keep an eye on things together.","start":1090.875,"end":1092.3351,"sentiment":"neutral","sentiment_score":0.24845019976298013},{"text":"Any questions on your Cool.","start":1092.875,"end":1097.88,"sentiment":"neutral","sentiment_score":0.13506972417235374},{"text":"Alrighty.","start":1098.2,"end":1098.7,"sentiment":"neutral","sentiment_score":0.2676272988319397},{"text":"When you're comfortable with this one, there's three documents.","start":1099.56,"end":1102.62,"sentiment":"neutral","sentiment_score":0.11813494811455409},{"text":"That statement of advice at the bottom has, like, a a start button to sign the authority to proceed.","start":1103.16,"end":1109.58,"sentiment":"neutral","sentiment_score":0.10684967942928013}],"sentiment":"neutral","sentiment_score":0.13817588901147246,"num_words":40,"start":1090.875,"end":1109.58},{"sentences":[{"text":"I can document just in a yes, please.","start":1110.065,"end":1112.385,"sentiment":"neutral","sentiment_score":0.10857177618891001},{"text":"If you could, it'll kind of stamp your signature name and sorry.","start":1112.385,"end":1119.045,"sentiment":"neutral","sentiment_score":0.09133811574429274},{"text":"Date on that.","start":1119.265,"end":1120.165,"sentiment":"neutral","sentiment_score":0.09337949752807617},{"text":"If you feel more comfortable, you can pull a signature by clicking on it, but we don't require you to do that.","start":1120.465,"end":1126.65,"sentiment":"neutral","sentiment_score":0.07417119074274194},{"text":"And if you can, if that's Yep.","start":1135.1901,"end":1139.645,"sentiment":"neutral","sentiment_score":0.053059623177562444}],"sentiment":"neutral","sentiment_score":0.08169141633865926,"num_words":52,"start":1110.065,"end":1139.645},{"sentences":[{"text":"Yep.","start":1139.645,"end":1139.8049,"sentiment":"neutral","sentiment_score":0.09781865775585176},{"text":"Go for it.","start":1139.8049,"end":1140.705,"sentiment":"neutral","sentiment_score":0.12356702983379364},{"text":"Yes.","start":1143.245,"end":1143.725,"sentiment":"neutral","sentiment_score":0.02809847518801689},{"text":"So can you the paragraphs of writing of it?","start":1143.725,"end":1146.625,"sentiment":"neutral","sentiment_score":0.013000916896594895},{"text":"Basically, what it says top one is you're okay to implement all of the advice.","start":1148.205,"end":1152.33,"sentiment":"neutral","sentiment_score":0.03639426287263632}],"sentiment":"neutral","sentiment_score":0.03998415233117753,"num_words":29,"start":1139.645,"end":1152.33},{"sentences":[{"text":"The second one is if you would like to vary the advice and not implement all of it, you can actually type into the multiline.","start":1152.8099,"end":1158.75,"sentiment":"neutral","sentiment_score":-0.018110721930861474},{"text":"I don't wish to go ahead with this.","start":1159.0499,"end":1160.49,"sentiment":"neutral","sentiment_score":-0.20787005499005318},{"text":"I wish to go ahead with that instead.","start":1160.49,"end":1162.2699,"sentiment":"neutral","sentiment_score":-0.08889181399717927},{"text":"If you're happy with the thing, just type in a.","start":1162.49,"end":1165.595,"sentiment":"neutral","sentiment_score":0.02508727926760912},{"text":"Like, n a for me?","start":1168.135,"end":1169.335,"sentiment":"neutral","sentiment_score":-0.04643927589058876}],"sentiment":"neutral","sentiment_score":-0.05014618905261159,"num_words":56,"start":1152.8099,"end":1169.335},{"sentences":[{"text":"Like, m slash a would be fantastic.","start":1169.335,"end":1171.355,"sentiment":"neutral","sentiment_score":0.06246509988393102},{"text":"Thank you.","start":1173.575,"end":1174.395,"sentiment":"positive","sentiment_score":0.5775567889213562},{"text":"There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended.","start":1179.095,"end":1188.21,"sentiment":"neutral","sentiment_score":-0.17864370793104173},{"text":"And then this one does require a signature.","start":1189.23,"end":1192.83,"sentiment":"neutral","sentiment_score":-0.1114417826756835},{"text":"It's just the the alteration quote.","start":1192.83,"end":1201.855,"sentiment":"neutral","sentiment_score":-0.058874281123280525}],"sentiment":"neutral","sentiment_score":-0.08580215352897842,"num_words":48,"start":1169.335,"end":1201.855},{"sentences":[{"text":"Yes, please.","start":1201.855,"end":1202.755,"sentiment":"neutral","sentiment_score":0.017912807874381542},{"text":"Yeah.","start":1213.53,"end":1214.03,"sentiment":"neutral","sentiment_score":0.006804275326430798},{"text":"If that is the blue one, you can just skip document.","start":1214.9701,"end":1219.23,"sentiment":"neutral","sentiment_score":-0.0033523405224762178},{"text":"It's just got the research in there.","start":1219.93,"end":1221.7101,"sentiment":"neutral","sentiment_score":-0.0009980327283431376},{"text":"Yes.","start":1224.785,"end":1225.105,"sentiment":"neutral","sentiment_score":0.03149138763546944}],"sentiment":"neutral","sentiment_score":0.001375422902955589,"num_words":22,"start":1201.855,"end":1225.105},{"sentences":[{"text":"That's the one.","start":1225.105,"end":1225.985,"sentiment":"neutral","sentiment_score":0.03272818960249424},{"text":"Green t a l.","start":1225.985,"end":1227.365,"sentiment":"neutral","sentiment_score":0.013238353189080954},{"text":"It's basically page one, two, three.","start":1227.985,"end":1230.645,"sentiment":"neutral","sentiment_score":0.017940185808887083},{"text":"The fourth page has signature spots, and those two pages have the the quote answers.","start":1230.705,"end":1247.4,"sentiment":"neutral","sentiment_score":0.008368906192481517},{"text":"Yes, please.","start":1252.645,"end":1253.365,"sentiment":"neutral","sentiment_score":0.08989467471837997}],"sentiment":"neutral","sentiment_score":0.01880340129137039,"num_words":30,"start":1225.105,"end":1253.365},{"sentences":[{"text":"And it will take a few seconds to load.","start":1253.365,"end":1255.765,"sentiment":"neutral","sentiment_score":0.0721468867527114},{"text":"You'll have a spinning circle once you validate it and ask you if you wanna download copy for your records.","start":1255.765,"end":1261.385,"sentiment":"neutral","sentiment_score":0.0543536766897887},{"text":"And I'll just for a minute to see if that comes through alright on my end.","start":1266.55,"end":1270.5701,"sentiment":"neutral","sentiment_score":0.04597102175466716},{"text":"Yeah.","start":1276.23,"end":1276.55,"sentiment":"neutral","sentiment_score":0.06067045405507088},{"text":"There are they can be those ones.","start":1276.55,"end":1278.645,"sentiment":"neutral","sentiment_score":0.0279264221233981}],"sentiment":"neutral","sentiment_score":0.05147334474648507,"num_words":53,"start":1253.365,"end":1278.645},{"sentences":[{"text":"Thankfully, I don't have 15 documents on because sometimes it takes about seven minutes for those.","start":1278.725,"end":1283.4451,"sentiment":"neutral","sentiment_score":0.05450626998208463},{"text":"This one's short and sweet, so it shouldn't be too long.","start":1283.4451,"end":1286.025,"sentiment":"neutral","sentiment_score":0.13724160871722482},{"text":"Unless there's some Internet slowage down your end made, they're usually pretty good.","start":1289.4451,"end":1295.64,"sentiment":"neutral","sentiment_score":0.039696408435702324},{"text":"Beautiful.","start":1296.98,"end":1297.48,"sentiment":"positive","sentiment_score":0.6821413040161133},{"text":"And just out of curiosity, this was actually a, like, a custom built system that we've got.","start":1305.54,"end":1310.075,"sentiment":"neutral","sentiment_score":0.085526974981322}],"sentiment":"neutral","sentiment_score":0.08679157248216457,"num_words":58,"start":1278.725,"end":1310.075},{"sentences":[{"text":"So all of your detail, you've got, like, client profile with us, and it's all of your your points together on LinkedIn with this document system.","start":1310.075,"end":1318.255,"sentiment":"neutral","sentiment_score":0.14360833483246657},{"text":"Was that okay to use?","start":1319.355,"end":1320.635,"sentiment":"neutral","sentiment_score":0.12865685671567917},{"text":"Is it pretty user friendly?","start":1320.635,"end":1321.675,"sentiment":"neutral","sentiment_score":0.15751188099384308},{"text":"Any I can pass off to the to you guys?","start":1321.675,"end":1324.84,"sentiment":"neutral","sentiment_score":0.062108288332819936},{"text":"Beautiful.","start":1332.98,"end":1333.48,"sentiment":"positive","sentiment_score":0.7968994379043579}],"sentiment":"neutral","sentiment_score":0.14005622798775105,"num_words":47,"start":1310.075,"end":1333.48},{"sentences":[{"text":"And that's come through my end too.","start":1335.5399,"end":1337.325,"sentiment":"positive","sentiment_score":0.45051501052720205},{"text":"So thank you so much for that.","start":1337.325,"end":1338.605,"sentiment":"positive","sentiment_score":0.7678080371447972},{"text":"Really appreciate it.","start":1338.605,"end":1340.225,"sentiment":"positive","sentiment_score":0.7458393375078837},{"text":"Awesome, Steve.","start":1342.365,"end":1343.265,"sentiment":"positive","sentiment_score":0.41496118903160095},{"text":"Before I let you go, we've basically up the next sort of review and things like that.","start":1343.725,"end":1349.4249,"sentiment":"neutral","sentiment_score":0.13394074887037277}],"sentiment":"positive","sentiment_score":0.3853526237524218,"num_words":36,"start":1335.5399,"end":1349.4249},{"sentences":[{"text":"Is there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then?","start":1349.94,"end":1360.2,"sentiment":"neutral","sentiment_score":0.07922170184214007},{"text":"Yep.","start":1372.4551,"end":1372.935,"sentiment":"neutral","sentiment_score":0.1481027901172638},{"text":"Looks okay for you.","start":1372.935,"end":1374.155,"sentiment":"neutral","sentiment_score":0.25426060333848},{"text":"Perfect.","start":1375.655,"end":1376.155,"sentiment":"positive","sentiment_score":0.5071232914924622},{"text":"Alright.","start":1376.295,"end":1376.6151,"sentiment":"neutral","sentiment_score":0.29105016589164734}],"sentiment":"neutral","sentiment_score":0.1068445792531266,"num_words":51,"start":1349.94,"end":1376.6151},{"sentences":[{"text":"I'll make sure that's in the system there as well.","start":1376.6151,"end":1378.71,"sentiment":"neutral","sentiment_score":0.256288979947567},{"text":"And, mate, we're good to go.","start":1379.0299,"end":1380.23,"sentiment":"positive","sentiment_score":0.37603474656740826},{"text":"I'll get this fixed up for you because it is Wednesday today.","start":1380.23,"end":1384.33,"sentiment":"neutral","sentiment_score":0.2771286182105541},{"text":"Should be able to get all this submitted either by the end of the week or early next week.","start":1384.47,"end":1388.33,"sentiment":"neutral","sentiment_score":0.23845553554986654},{"text":"For the ID?","start":1398.415,"end":1399.475,"sentiment":"neutral","sentiment_score":0.025571268051862717}],"sentiment":"neutral","sentiment_score":0.2550402135401964,"num_words":50,"start":1376.6151,"end":1399.475},{"sentences":[{"text":"I can access that right this second, but I'll get that texted through you hopefully within an hour or so.","start":1401.6951,"end":1409.41,"sentiment":"neutral","sentiment_score":0.089920973777771},{"text":"Cool.","start":1412.67,"end":1413.15,"sentiment":"neutral","sentiment_score":0.32422229647636414},{"text":"Awesome.","start":1413.15,"end":1413.65,"sentiment":"positive","sentiment_score":0.3826906681060791},{"text":"Alrighty, mate.","start":1413.9501,"end":1414.5901,"sentiment":"neutral","sentiment_score":0.2457221895456314},{"text":"Anything else I can help you with before I let you go?","start":1414.5901,"end":1416.77,"sentiment":"neutral","sentiment_score":0.14225418120622635}],"sentiment":"neutral","sentiment_score":0.13066186093621784,"num_words":36,"start":1401.6951,"end":1416.77},{"sentences":[{"text":"Awesome, Steven.","start":1420.095,"end":1420.975,"sentiment":"positive","sentiment_score":0.395846426486969},{"text":"Look, I really do appreciate, honestly, mate, touching base with us and jumping on with me.","start":1420.975,"end":1426.015,"sentiment":"positive","sentiment_score":0.4165306556969881},{"text":"Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving.","start":1426.015,"end":1432.995,"sentiment":"neutral","sentiment_score":0.2976080884358713},{"text":"And so that way, things won't sit there for too long in the wrong spot.","start":1433.375,"end":1437.14,"sentiment":"neutral","sentiment_score":0.08800047735373179},{"text":"And especially given the way that it is at the moment, they're changing pretty quickly.","start":1441.84,"end":1445.86,"sentiment":"neutral","sentiment_score":-0.20584991276264192}],"sentiment":"neutral","sentiment_score":0.184493003805217,"num_words":76,"start":1420.095,"end":1445.86},{"sentences":[{"text":"And the worst thing is if we just can't get in touch with people and we can't change anything, it's a bit hard to make sure you're on the spot.","start":1445.9199,"end":1452.545,"sentiment":"negative","sentiment_score":-0.44874476045370104},{"text":"Awesome, mate.","start":1456.125,"end":1456.925,"sentiment":"positive","sentiment_score":0.8271768093109131},{"text":"Thank you so much time again, and I look forward to chatting to you again.","start":1456.925,"end":1460.823,"sentiment":"positive","sentiment_score":0.8434136827786763},{"text":"Cheers, mate.","start":1464.743,"end":1465.383,"sentiment":"positive","sentiment_score":0.6387534141540527},{"text":"Bye.","start":1465.383,"end":1465.883,"sentiment":"positive","sentiment_score":0.352653443813324}],"sentiment":"neutral","sentiment_score":0.049467526376247406,"num_words":50,"start":1445.9199,"end":1465.883}]}}]},{"alternatives":[{"transcript":"Hello? Not too bad, mate. Yourself? No. Nice. Nice. Yeah. No. We've got sun out now. It's been it's been down running for the last two days, but it's coming up. Yeah. Exactly. Yes. Right. Yes. Yeah. Yeah. Copy. Yep. 03/03/1968. 14 Francis Greenway Avenue, Saint Claire, New South Wales 2759. Yeah. I'll be there. Right. Yep. Yep. Yes. Yes. Just logging in now. Yeah. Yeah. Right. No. That's right. Yeah. Not yet. Not. Yeah. No. That's all at the moment. Yes. Because I gotta if I had to run. Yeah. They're gonna reevaluate the provider. It's just a matter. How we're just gonna get down the risk assessment bits. Yeah. Right. Yes. Okay. Yes. Right. Yep. Yeah. Right. Okay. Alright. Brian. Okay. Yep. Yeah. Yep. Brian. No worries. I have signed document opened up. K. Copy that. No worries. Yep. That may just save me, mate. That's all good. Yes. Right. Yes. Yes. Yes. Copy. Yeah. Right. Okay. Yes. Yeah. Yeah. Right. Oh, okay. Yeah. Right. Right. Yeah. Oh, okay. Yeah. Right. Yeah. Which one is it? Just after page four name? Right. Yes. Right. Yeah. Yep. Yep. Right. Do have the numbers. Sorry. Yes. Broad. Yes. Broad. Yes. Right. Yep. Alright. Yes. Yep. Oh, okay. Yeah. Yep. Alright. Okay. Yep. Right. Yes. Right. Okay. Right. Right. Yeah. Right. Okay. Oh, right. Okay. Fair enough. Yep. No. No. All good so far. Yep. Yeah. Right. Yep. Yes. Yes. Alright. Okay. Yep. Alright. Yes. Okay. Okay. Yep. Certified stamp from where? Right. Alright. So I just have to send you a photo of your license. Right? Yeah. Yeah. No. It's alright. That's your 25, mate. Yeah. Yeah. Right. Yeah. Just what was in that multi line? Yeah. Yep. Alright. Yep. Twenty months. Sorry. Yeah. Can I Yeah? Copy that. Alright. 2638268. Okay. Next document. Okay. Just scroll down to the bottom of it. Oh, I just got again? Yeah. Yeah. So we've got that t I l now. Right. Yep. Alright. Okay. It's coming up. Yes. No. Download that. It's sent. Oh, okay. Yeah. It's still loading. Yes. Oh, okay. Fair enough. K. Downloaded. You'll get the solid document they mailed to me. Yeah. Okay. Yeah. No. It was good. Yeah. Easy to use. All I had to do was prep prep on the link there and the way it went. Which was good. Yeah. Not a problem. Yeah. Yeah. Just at the moment, just the annual review is okay if I have any problems or issues or anything like that. I just give you the ring and then we organize something as well. Yes. Yep. Not a problem. Well, just just that that is sent through that update of the my credentials. Oh, there you go. Yeah. Oh, no. That's fine, mate. Yeah. No dramas. No. All pretty good. All pretty good. No. No. Exactly. Yeah. No. You want things to keep on moving. Yeah. That's right. Exactly. Not a problem. Thank you very much. Right? Bye 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Not too bad, mate. Yourself? No. Nice.\n\nNice. Yeah. No. We've got sun out now. It's been it's been down running for the last two days, but it's coming up.\n\nYeah. Exactly. Yes. Right. Yes.\n\nYeah. Yeah. Copy. Yep. 03/03/1968.\n\n14 Francis Greenway Avenue, Saint Claire, New South Wales 2759. Yeah. I'll be there. Right. Yep.\n\nYep. Yes. Yes. Just logging in now. Yeah.\n\nYeah. Right. No. That's right. Yeah.\n\nNot yet. Not. Yeah. No. That's all at the moment.\n\nYes. Because I gotta if I had to run. Yeah. They're gonna reevaluate the provider. It's just a matter.\n\nHow we're just gonna get down the risk assessment bits. Yeah. Right. Yes. Okay.\n\nYes. Right. Yep. Yeah. Right.\n\nOkay. Alright. Brian. Okay. Yep.\n\nYeah. Yep. Brian. No worries. I have signed document opened up.\n\nK. Copy that. No worries. Yep. That may just save me, mate.\n\nThat's all good. Yes. Right. Yes. Yes.\n\nYes. Copy. Yeah. Right. Okay.\n\nYes. Yeah. Yeah. Right. Oh, okay.\n\nYeah. Right. Right. Yeah. Oh, okay.\n\nYeah. Right. Yeah. Which one is it? Just after page four name?\n\nRight. Yes. Right. Yeah. Yep.\n\nYep. Right. Do have the numbers. Sorry. Yes.\n\nBroad. Yes. Broad. Yes. Right.\n\nYep. Alright. Yes. Yep. Oh, okay.\n\nYeah. Yep. Alright. Okay. Yep.\n\nRight. Yes. Right. Okay. Right.\n\nRight. Yeah. Right. Okay. Oh, right.\n\nOkay. Fair enough. Yep. No. No.\n\nAll good so far. Yep. Yeah. Right. Yep.\n\nYes. Yes. Alright. Okay. Yep.\n\nAlright. Yes. Okay. Okay. Yep.\n\nCertified stamp from where? Right. Alright. So I just have to send you a photo of your license. Right?\n\nYeah. Yeah. No. It's alright. That's your 25, mate.\n\nYeah. Yeah. Right. Yeah. Just what was in that multi line?\n\nYeah. Yep. Alright. Yep. Twenty months.\n\nSorry. Yeah. Can I Yeah? Copy that. Alright.\n\n2638268. Okay. Next document. Okay. Just scroll down to the bottom of it.\n\nOh, I just got again? Yeah. Yeah. So we've got that t I l now. Right.\n\nYep. Alright. Okay. It's coming up. Yes.\n\nNo. Download that. It's sent. Oh, okay. Yeah.\n\nIt's still loading. Yes. Oh, okay. Fair enough. K.\n\nDownloaded. You'll get the solid document they mailed to me. Yeah. Okay. Yeah.\n\nNo. It was good. Yeah. Easy to use. All I had to do was prep prep on the link there and the way it went.\n\nWhich was good. Yeah. Not a problem. Yeah. Yeah.\n\nJust at the moment, just the annual review is okay if I have any problems or issues or anything like that. I just give you the ring and then we organize something as well. Yes. Yep. Not a problem.\n\nWell, just just that that is sent through that update of the my credentials. Oh, there you go. Yeah. Oh, no. That's fine, mate.\n\nYeah. No dramas. No. All pretty good. All pretty good.\n\nNo. No. Exactly. Yeah. No.\n\nYou want things to keep on moving. Yeah. That's right. Exactly. Not a problem.\n\nThank you very much. Right? Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04592154920101166},{"text":"Not too bad, 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that.","start":1171.985,"end":1172.965,"sentiment":"positive","sentiment_score":0.360370472073555},{"text":"Alright.","start":1176.68,"end":1177.18,"sentiment":"neutral","sentiment_score":0.0033457810059189796}],"sentiment":"neutral","sentiment_score":0.08821206912398338,"num_words":8,"start":1166.865,"end":1177.18},{"sentences":[{"text":"2638268.","start":1195.4651,"end":1197.385,"sentiment":"neutral","sentiment_score":-0.04244747385382652},{"text":"Okay.","start":1197.385,"end":1197.885,"sentiment":"neutral","sentiment_score":-0.006328120362013578},{"text":"Next document.","start":1198.505,"end":1199.3251,"sentiment":"neutral","sentiment_score":-0.0021489070495590568},{"text":"Okay.","start":1204.88,"end":1205.38,"sentiment":"neutral","sentiment_score":0.01198355108499527},{"text":"Just scroll down to the bottom of 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now.","start":1222.295,"end":1224.0751,"sentiment":"neutral","sentiment_score":0.01637556147761643},{"text":"Right.","start":1226.295,"end":1226.795,"sentiment":"neutral","sentiment_score":0.019629746675491333}],"sentiment":"neutral","sentiment_score":0.010872713988646865,"num_words":16,"start":1214.88,"end":1226.795},{"sentences":[{"text":"Yep.","start":1227.415,"end":1227.915,"sentiment":"neutral","sentiment_score":0.03261413797736168},{"text":"Alright.","start":1237.63,"end":1238.13,"sentiment":"neutral","sentiment_score":0.02747781202197075},{"text":"Okay.","start":1238.1901,"end":1238.6901,"sentiment":"neutral","sentiment_score":0.03647072613239288},{"text":"It's coming up.","start":1241.75,"end":1246.1901,"sentiment":"neutral","sentiment_score":0.02441379241645336},{"text":"Yes.","start":1246.1901,"end":1246.6901,"sentiment":"neutral","sentiment_score":0.025617487728595737}],"sentiment":"neutral","sentiment_score":0.027917363015668734,"num_words":7,"start":1227.415,"end":1246.6901},{"sentences":[{"text":"No.","start":1250.3251,"end":1250.4851,"sentiment":"neutral","sentiment_score":-0.0469362847507},{"text":"Download that.","start":1250.4851,"end":1251.045,"sentiment":"neutral","sentiment_score":-0.03019839432090521},{"text":"It's sent.","start":1251.045,"end":1251.7051,"sentiment":"neutral","sentiment_score":0.003921806812286377},{"text":"Oh, okay.","start":1262.645,"end":1263.305,"sentiment":"neutral","sentiment_score":0.06291101314127445},{"text":"Yeah.","start":1270.7999,"end":1271.0399,"sentiment":"neutral","sentiment_score":0.046993792057037354}],"sentiment":"neutral","sentiment_score":0.009165794821456075,"num_words":8,"start":1250.3251,"end":1271.0399},{"sentences":[{"text":"It's still loading.","start":1271.0399,"end":1271.94,"sentiment":"neutral","sentiment_score":0.04859863594174385},{"text":"Yes.","start":1286.255,"end":1286.495,"sentiment":"neutral","sentiment_score":0.05289097875356674},{"text":"Oh, okay.","start":1286.495,"end":1287.0549,"sentiment":"neutral","sentiment_score":0.058283817023038864},{"text":"Fair enough.","start":1287.0549,"end":1294.43,"sentiment":"neutral","sentiment_score":0.032771325670182705},{"text":"K.","start":1294.43,"end":1294.93,"sentiment":"neutral","sentiment_score":0.029211413115262985}],"sentiment":"neutral","sentiment_score":0.04555650945338938,"num_words":9,"start":1271.0399,"end":1294.93},{"sentences":[{"text":"Downloaded.","start":1294.99,"end":1295.49,"sentiment":"neutral","sentiment_score":0.14712023735046387},{"text":"You'll get the solid document they mailed to me.","start":1298.43,"end":1301.55,"sentiment":"positive","sentiment_score":0.4724719822406769},{"text":"Yeah.","start":1301.55,"end":1301.87,"sentiment":"neutral","sentiment_score":0.13462813198566437},{"text":"Okay.","start":1301.87,"end":1302.37,"sentiment":"neutral","sentiment_score":0.11339573562145232},{"text":"Yeah.","start":1324.1,"end":1324.5,"sentiment":"neutral","sentiment_score":0.06477309763431549}],"sentiment":"positive","sentiment_score":0.36247423405830675,"num_words":13,"start":1294.99,"end":1324.5},{"sentences":[{"text":"No.","start":1324.5,"end":1324.62,"sentiment":"neutral","sentiment_score":0.11076675355434418},{"text":"It was good.","start":1324.62,"end":1325.46,"sentiment":"positive","sentiment_score":0.38058848182360333},{"text":"Yeah.","start":1325.46,"end":1325.7,"sentiment":"neutral","sentiment_score":0.2911977767944336},{"text":"Easy to use.","start":1325.7,"end":1326.42,"sentiment":"positive","sentiment_score":0.37826638917128247},{"text":"All I had to do was prep prep on the link there and the way it went.","start":1326.42,"end":1330.285,"sentiment":"neutral","sentiment_score":0.1373174672617632}],"sentiment":"neutral","sentiment_score":0.20051704347133636,"num_words":25,"start":1324.5,"end":1330.285},{"sentences":[{"text":"Which was good.","start":1332.905,"end":1333.805,"sentiment":"positive","sentiment_score":0.6400694747765859},{"text":"Yeah.","start":1334.025,"end":1334.525,"sentiment":"positive","sentiment_score":0.4679490029811859},{"text":"Not a problem.","start":1340.185,"end":1341.005,"sentiment":"neutral","sentiment_score":0.27771920959154767},{"text":"Yeah.","start":1360.625,"end":1360.9451,"sentiment":"neutral","sentiment_score":0.05638477206230163},{"text":"Yeah.","start":1360.9451,"end":1361.185,"sentiment":"neutral","sentiment_score":0.06868693232536316}],"sentiment":"positive","sentiment_score":0.3718207511636946,"num_words":9,"start":1332.905,"end":1361.185},{"sentences":[{"text":"Just at the moment, just the annual review is okay if I have any problems or issues or anything like that.","start":1361.185,"end":1368.305,"sentiment":"neutral","sentiment_score":0.07997799292206764},{"text":"I just give you the ring and then we organize something as well.","start":1368.305,"end":1371.56,"sentiment":"neutral","sentiment_score":0.1198958341891949},{"text":"Yes.","start":1374.42,"end":1374.92,"sentiment":"positive","sentiment_score":0.3352140188217163},{"text":"Yep.","start":1388.295,"end":1388.6951,"sentiment":"neutral","sentiment_score":0.0850420817732811},{"text":"Not a problem.","start":1388.6951,"end":1389.3351,"sentiment":"neutral","sentiment_score":0.10405682027339935}],"sentiment":"neutral","sentiment_score":0.10181051941636281,"num_words":39,"start":1361.185,"end":1389.3351},{"sentences":[{"text":"Well, just just that that is sent through that update of the my credentials.","start":1389.3351,"end":1399.3601,"sentiment":"neutral","sentiment_score":0.0475628220343164},{"text":"Oh, there you go.","start":1399.9801,"end":1400.7001,"sentiment":"neutral","sentiment_score":0.04624047689139843},{"text":"Yeah.","start":1400.7001,"end":1401.2001,"sentiment":"neutral","sentiment_score":0.06621529906988144},{"text":"Oh, no.","start":1409.42,"end":1409.8201,"sentiment":"neutral","sentiment_score":0.043232835829257965},{"text":"That's fine, mate.","start":1409.8201,"end":1410.585,"sentiment":"neutral","sentiment_score":0.13787671675284704}],"sentiment":"neutral","sentiment_score":0.05904802237637341,"num_words":24,"start":1389.3351,"end":1410.585},{"sentences":[{"text":"Yeah.","start":1410.6649,"end":1410.9049,"sentiment":"neutral","sentiment_score":0.07714493572711945},{"text":"No dramas.","start":1410.9049,"end":1411.565,"sentiment":"neutral","sentiment_score":0.051442576572299004},{"text":"No.","start":1416.825,"end":1417.145,"sentiment":"neutral","sentiment_score":0.03719501942396164},{"text":"All pretty good.","start":1417.145,"end":1418.0449,"sentiment":"neutral","sentiment_score":0.23330185810724893},{"text":"All pretty good.","start":1418.105,"end":1419.085,"sentiment":"neutral","sentiment_score":0.31579017639160156}],"sentiment":"neutral","sentiment_score":0.18645012117922305,"num_words":10,"start":1410.6649,"end":1419.085},{"sentences":[{"text":"No.","start":1437.6,"end":1437.76,"sentiment":"neutral","sentiment_score":-0.18096399307250977},{"text":"No.","start":1437.76,"end":1438.0,"sentiment":"neutral","sentiment_score":-0.19292019307613373},{"text":"Exactly.","start":1438.0,"end":1438.5,"sentiment":"neutral","sentiment_score":-0.12178580462932588},{"text":"Yeah.","start":1438.64,"end":1438.96,"sentiment":"neutral","sentiment_score":-0.10893549025058746},{"text":"No.","start":1438.96,"end":1439.2,"sentiment":"neutral","sentiment_score":-0.25120875239372253}],"sentiment":"neutral","sentiment_score":-0.17116284668445586,"num_words":5,"start":1437.6,"end":1439.2},{"sentences":[{"text":"You want things to keep on moving.","start":1439.2,"end":1440.74,"sentiment":"neutral","sentiment_score":-0.21221740011657989},{"text":"Yeah.","start":1453.1749,"end":1453.495,"sentiment":"neutral","sentiment_score":0.11864791065454484},{"text":"That's right.","start":1453.495,"end":1454.235,"sentiment":"neutral","sentiment_score":0.28609976172447205},{"text":"Exactly.","start":1454.5349,"end":1455.0349,"sentiment":"positive","sentiment_score":0.5486359596252441},{"text":"Not a problem.","start":1461.57,"end":1462.37,"sentiment":"positive","sentiment_score":0.5687969128290812}],"sentiment":"neutral","sentiment_score":0.10431088081427983,"num_words":14,"start":1439.2,"end":1462.37},{"sentences":[{"text":"Thank you very much.","start":1462.37,"end":1463.4099,"sentiment":"positive","sentiment_score":0.7584918588399887},{"text":"Right?","start":1463.4099,"end":1463.9099,"sentiment":"positive","sentiment_score":0.5034140944480896},{"text":"Bye bye.","start":1466.0499,"end":1466.71,"sentiment":"neutral","sentiment_score":0.018177323043346405}],"sentiment":"positive","sentiment_score":0.5105337394135339,"num_words":7,"start":1462.37,"end":1466.71}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Steven. Tommy here from Oakview Financial Lane. How\n\nChannel 1: Not too bad, mate. Yourself?\n\nChannel 0: I live in the beautiful day on the Gold Coast, and the the boss has brought his dog into the office. So it's brilliant. How are you going?\n\nChannel 1: No. Nice. Nice. Yeah. No.\n\nWe've got sun out now. It's been it's been down running for the last two days, but it's coming up.\n\nChannel 0: That's the\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: way. I've got this document to send through you and just update the strategies we were talking about. Now\n\nChannel 1: Yes.\n\nChannel 0: I just quickly check with you. I'm running into the technical issues with the email server, which will be fixed in about three minutes flat. Do you still\n\nChannel 1: Right.\n\nChannel 0: have a bit of time for me this afternoon about fifteen minutes?\n\nChannel 1: Yes. Yeah. Yeah. Copy.\n\nChannel 0: Cool. So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you. It will just take me a minute to get it to your email address.\n\nChannel 1: Yep.\n\nChannel 0: Can I just confirm your date of birth and address, please?\n\nChannel 1: 03/03/1968. 14 Francis Greenway Avenue, Saint Claire, New South Wales 2759.\n\nChannel 0: Amazing. And I'm registered adviser 1273105. Are you okay for this call to be recorded?\n\nChannel 1: Yeah. I'll be there.\n\nChannel 0: Perfect. So just a quick little recap with what we're doing. We were kind of just doing a few updates on the, like, portfolio and things like that. Main thing for you is we would get your risk level on the super reduced a little bit just because,\n\nChannel 1: Right.\n\nChannel 0: obviously, you're getting closer to the time and age. We're trying\n\nChannel 1: Yep.\n\nChannel 0: to bump you down high risk down to something a bit more appropriate.\n\nChannel 1: Yep.\n\nChannel 0: And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums. Does that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. Now for emails today, your Hotmail address there, will you be able to view that with me when I send it through?\n\nChannel 1: Yes. Just logging in now.\n\nChannel 0: Perfect. Now just give me a minute. I'm gonna get that pack sent out to you, and I'll let you know once it actually gets through. We've just had to refresh it a couple of times. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make\n\nChannel 1: Right.\n\nChannel 0: sure you've got the full, you know, beneficiary bill, all that kind of thing in place. Just a reminder there because I think we were saying that you didn't have one yet.\n\nChannel 1: No. That's right. Yeah. Not yet. Not.\n\nChannel 0: Yep. Cool. Outside of that, was there any other areas that you were wanting to focus for the updates, or was it just the the risk and the inferences?\n\nChannel 1: Yeah. No. That's all at the moment. Yes. Because\n\nChannel 0: Cool.\n\nChannel 1: I gotta if I had to run.\n\nChannel 0: Say that again. Sorry, mate. Just out for a sec.\n\nChannel 1: Yeah. They're gonna reevaluate the provider. It's just a\n\nChannel 0: Yes.\n\nChannel 1: matter. How we're just gonna get down the risk assessment bits.\n\nChannel 0: Yep. Perfect. So what I've basically done, logic behind it in the advice document, is I'm keeping pretty much all the same investments. We're just putting a bit more of the money into the safer investments, a little bit less into the growth assets. What that looks like is a little bit less in the shares, a little bit more in the term deposits, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes\n\nChannel 1: Right. Yes.\n\nChannel 0: sense. The quick note was trimming down the insurances. We've got some quotation quotes there to trim down the insurances. That'll save about a thousand bucks. I'll factor that into the projections as well.\n\nChannel 1: Okay.\n\nChannel 0: The the difference between the high growth portfolio and the growth portfolio going from a five out of five to a four out of five on the risk scale, actually that much different in terms of performance. So I think it was gonna drop your your five year average from 11% down to about 10, which is\n\nChannel 1: Yes.\n\nChannel 0: still\n\nChannel 1: Right.\n\nChannel 0: well and truly above that 9% above that we're aiming for for a benchmark.\n\nChannel 1: Yep.\n\nChannel 0: I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal. I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: So, basically, everything was like a resounding success at the moment. And once we get that in place, premiums will go the risk will go down, and then we'll an eye on it every two after that.\n\nChannel 1: Alright.\n\nChannel 0: Cool. Now just popping that through to you now. It should come through in the next next thirty seconds or so. And I do see you you have already signed the service agreement, so it should go through to your main pretty quickly.\n\nChannel 1: Brian. Okay. Yep. Yeah. Yep.\n\nBrian.\n\nChannel 0: Alright.\n\nChannel 1: No worries. I have signed document opened up.\n\nChannel 0: So that opens it up to peruse through with me. And, basically, there's a button there to skip through documents, but I just want you to have a scrub through with me first.\n\nChannel 1: K. Copy that.\n\nChannel 0: Alright. You should see the beachfront city picture on the Gold Coast on the front page. And I just want you to go through to that pages three four that has scope of advice.\n\nChannel 1: No worries. Yep. That may just save me, mate.\n\nChannel 0: Yep. Gotcha.\n\nChannel 1: That's all good. Yes.\n\nChannel 0: So, again, main scope is the super and the retirement, the insure reduction, give a reminder on the estate planning. The areas that are not considered in this document is, you know, budget, cash through income protection, and trauma insurance. So in terms of doing the additional repayments to the mortgage, to have it off in time for retirement, we're obviously not giving you less on that. You're perfectly capable of managing that personally.\n\nChannel 1: Right.\n\nChannel 0: Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years. And once\n\nChannel 1: Yes.\n\nChannel 0: you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup. Does that ring a bell?\n\nChannel 1: Yes. Yes. Copy.\n\nChannel 0: Perfect. Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10. There's, like, an use section with details and your assets and liabilities as well.\n\nChannel 1: Yeah. Right. Okay. Yes.\n\nChannel 0: K. So lead trainer, 110,000. We've got your mobile, your email. Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio. Pages eleven and twelve, that'll be your risk profile.\n\nChannel 1: Right. Oh, okay. Yeah. Right.\n\nChannel 0: So again, in terms of sale, it goes conservative, moderate, balanced growth, high growth. We're taking you down from a high growth down to a growth.\n\nChannel 1: Right.\n\nChannel 0: Basically,\n\nChannel 1: Yeah.\n\nChannel 0: just one peg at the moment, and then every few years, look at maybe reducing it further.\n\nChannel 1: Oh, okay.\n\nChannel 0: K? Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there. I apologize. Under strategies.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Can you see that one there popping up?\n\nChannel 1: Yeah. Which one is it? Just after page four name?\n\nChannel 0: Yeah. And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it.\n\nChannel 1: Right. Yes.\n\nChannel 0: K. So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit. And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around. Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free. At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments around.\n\nChannel 1: Right.\n\nChannel 0: Now what that kind of means materially for you is if you swing down and going through fifteen, sixteen, and 17, you should start to see some tables pop up blue with a fee comparison. And it's got, like, a current and a ended and a difference there.\n\nChannel 1: Yeah.\n\nChannel 0: So 1,300 for the capital gains tax inside the super. Invest fees drop a little bit and then percentage based. So your balance grows the more that dollar value saves with the the cheaper investments. And I factored in there the reduced premiums for the insurance as well. Bottom of that table has the five year rolling average, which\n\nChannel 1: Yep.\n\nChannel 0: in terms of the returns, point five three to 10.8. And it's actually not too much of a difference to drop the risk level down a peg in terms of the returns.\n\nChannel 1: Yep.\n\nChannel 0: K. Updated projections. So if you're on a page 17, we'll have it should say lump sum in five years, lump sum in ten years, and it just gives you an idea about what you're kind of on track for at a\n\nChannel 1: Right. Do have the numbers. Sorry.\n\nChannel 0: got\n\nChannel 1: Yes.\n\nChannel 0: a where it's got, like, five year, ten year, and it's got a difference there. So by dropping the risk level down, you basically go from let's say, we're gonna hit 600,000, but you've made $596,000. It's not too much of a difference in a ten year projection. And\n\nChannel 1: Broad.\n\nChannel 0: then for the return under it, it should say annualized investment returns, 07/31/2026. And it basically just steps at one year, three, five, and 10. You can see they're pretty similar in terms of the returns between each each time period.\n\nChannel 1: Yes. Broad. Yes.\n\nChannel 0: K? Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement. So the last couple of tables I wanna show you, there's three last ones, is an investments table after that, which, to be honest, is quite figures on there. If you see it, the red heading, blue table, there's a smattering of numbers and percentages under\n\nChannel 1: Right.\n\nChannel 0: an investments table.\n\nChannel 1: Yep.\n\nChannel 0: Now, basically, the main thing here is all the numbers in the second last column under the target weights, they're all round figures. 10%, 25, and eight. And what we're doing, we're reducing exposure to the growth assets, but we're also just bringing all of your investments back in line with auto portfolio. What\n\nChannel 1: Alright.\n\nChannel 0: I mean by that is if one of your shares was supposed to be 5% and the other one was 5%, but one's gone at seven and one's gone down four, we're just in the back in line to that 5%. Does that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Cool. There is only one option that's being sold out, which is some of the international shares because I just can't keep you in with a a six options that are all in shares when we're going down that risk level. Kind of can only keep you in five of those higher risk options.\n\nChannel 1: Oh, okay.\n\nChannel 0: K? Now what that translates to, you know, I guess, terms is if you go down to can you see that colored pie chart on the next page where it's your asset allocation? Should\n\nChannel 1: Yeah.\n\nChannel 0: have, like,\n\nChannel 1: Yep.\n\nChannel 0: red yep. Now the very middle row says growth total, and it's in eighty percent five eighty five.\n\nChannel 1: Alright.\n\nChannel 0: Basically, if you're in a growth profile, you wanna be average somewhere between 90% growth asset in shares and property instead of 90 to a 100%. You're currently sitting 95. When\n\nChannel 1: Okay.\n\nChannel 0: we've\n\nChannel 1: Yep.\n\nChannel 0: popped you down a little bit, you go to 85%. So it's a small adjust to the risk level, drop down about 10%.\n\nChannel 1: Right.\n\nChannel 0: K. And the last one is the retirement income calculation. So there'll be some blue and green bars there. We've just used the government money smart calculator for that one.\n\nChannel 1: Yes. Right. Okay.\n\nChannel 0: There's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because you're not still gonna be a high risk when you're in your sixties. We're just factoring in that we are drop the risk level down. Are you still gonna be track?\n\nChannel 1: Right.\n\nChannel 0: And, yeah, pretty easy to hit that retirement goal as long as you can smash out that mortgage over the next five to seven years, your super should well and truly be out of support. Your income is based on what we've talked about. And\n\nChannel 1: Right.\n\nChannel 0: if drops, the age pension will will top you back up again as well.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: What it basically meant is that it'll be able to last well and truly past life expectancy. So when you get to age 85, 90, you're not sitting there with all super wiped out and just living on the age pension, there'll still be something there.\n\nChannel 1: Oh, right. Okay. Fair enough. Yep.\n\nChannel 0: Yep. Any questions on that so far on the super side of things?\n\nChannel 1: No. No. All good so far.\n\nChannel 0: Cool. It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000\n\nChannel 1: Yep.\n\nChannel 0: from $6.36 that you've currently got.\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: K? Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great. But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly. So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Cool. I've attached inside this document pack just an alteration quote. You don't have to go through the application or any forms, anything like that. To reduce it down, it's basically just sign the quote and we're good to go.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Cool. And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place. And it just relists our our services, our fees, and at the bottom there as well.\n\nChannel 1: Yep.\n\nChannel 0: Basically, to implement everything, it's straightforward. I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account. Once you sign the reduction quote, we can send that off to Tal. They'll action that and give you a refund.\n\nChannel 1: Alright.\n\nChannel 0: I was going to send possibly some beneficiary forms through to you just to make sure that's there. But I think yours is in place okay.\n\nChannel 1: Yes.\n\nChannel 0: But I'll send you a message if we need to update that.\n\nChannel 1: Okay.\n\nChannel 0: K. I'm just gonna check your ID on file. The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file. And just open your current ID that you've got just to see the expiry here for a second, which is in territory. I've actually not really as much before, I must say.\n\nJust trying to the expiry date. I do apologize, mate. It's got the the numbers backwards here. There we go. May 26.\n\nSo I might need to flick you a link just to get the updated ID to submit along with it. Is that okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers. And that way, they can they can approve it.\n\nChannel 1: Certified stamp from where?\n\nChannel 0: So I do the certification. Basically,\n\nChannel 1: Right.\n\nChannel 0: we just get a bit of your ID. I'll do that and stamp it. Yeah. Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all. If you're okay\n\nChannel 1: Alright.\n\nChannel 0: to at least text through a photo.\n\nChannel 1: So I just have to send you a photo of your license. Right?\n\nChannel 0: Pretty much. Yeah. Front and back nice and clear if you can. Otherwise, they tend to go can't see those writing on there. We'll have to reject it.\n\nChannel 1: Yeah. Yeah. No. It's alright.\n\nChannel 0: Sensational. Nice and easy there. Drop the risk. Drop the premiums. Keep an eye on things together.\n\nAny questions on your\n\nChannel 1: That's your 25, mate.\n\nChannel 0: Cool. Alrighty. When you're comfortable with this one, there's three documents. That statement of advice at the bottom has, like, a a start button to sign the authority to proceed.\n\nChannel 1: Yeah.\n\nChannel 0: I can document just in a yes, please. If you could, it'll kind of stamp your signature name and sorry. Date on that. If you feel more comfortable, you can pull a signature by clicking on it, but we don't require you to do that.\n\nChannel 1: Yeah. Right.\n\nChannel 0: And if you can,\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Just\n\nChannel 0: that's Yep. Yep. Go for it.\n\nChannel 1: what was in that multi line?\n\nChannel 0: Yes. So can you the paragraphs of writing of it?\n\nChannel 1: Yeah.\n\nChannel 0: Basically, what it says top one is you're okay to implement all of the advice. The\n\nChannel 1: Yep.\n\nChannel 0: second one is if you would like to vary the advice and not implement all of it, you can actually\n\nChannel 1: Alright.\n\nChannel 0: type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a.\n\nChannel 1: Yep. Twenty months. Sorry.\n\nChannel 0: Like, n a for me? Like, m\n\nChannel 1: Yeah.\n\nChannel 0: slash\n\nChannel 1: Can I\n\nChannel 0: a would be\n\nChannel 1: Yeah?\n\nChannel 0: fantastic.\n\nChannel 1: Copy that.\n\nChannel 0: Thank you.\n\nChannel 1: Alright.\n\nChannel 0: There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended. And then this one does require a signature. It's just the the alteration\n\nChannel 1: 2638268. Okay. Next document.\n\nChannel 0: quote. Yes, please.\n\nChannel 1: Okay. Just scroll down to the bottom of it.\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: If\n\nChannel 1: I just\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: is the\n\nChannel 1: again?\n\nChannel 0: blue one, you can just skip document. It's just got\n\nChannel 1: Yeah.\n\nChannel 0: the research in there.\n\nChannel 1: Yeah. So we've got that t I l now.\n\nChannel 0: Yes. That's the one. Green\n\nChannel 1: Right.\n\nChannel 0: t a l.\n\nChannel 1: Yep.\n\nChannel 0: It's basically page one, two, three. The fourth page has signature spots, and those two pages have the the quote\n\nChannel 1: Alright. Okay. It's coming up. Yes.\n\nChannel 0: answers.\n\nChannel 1: No. Download that. It's sent.\n\nChannel 0: Yes, please. And it will take a few seconds to load. You'll have a spinning circle once you validate it and ask you if you wanna download copy for your records.\n\nChannel 1: Oh, okay.\n\nChannel 0: And I'll just for a minute to see if that comes through alright on my end.\n\nChannel 1: Yeah. It's still loading.\n\nChannel 0: Yeah. There are they can be those ones. Thankfully, I don't have 15 documents on because sometimes it takes about seven minutes for those. This one's short and sweet, so it shouldn't be too long.\n\nChannel 1: Yes. Oh, okay. Fair\n\nChannel 0: Unless there's some Internet slowage down your end made,\n\nChannel 1: enough.\n\nChannel 0: they're\n\nChannel 1: K.\n\nChannel 0: usually pretty\n\nChannel 1: Downloaded.\n\nChannel 0: good. Beautiful.\n\nChannel 1: You'll get the solid document they mailed to me. Yeah. Okay.\n\nChannel 0: And just out of curiosity, this was actually a, like, a custom built system that we've got. So all of your detail, you've got, like, client profile with us, and it's all of your your points together on LinkedIn with this document system. Was that okay to use? Is it pretty user friendly? Any I can pass off to the to you\n\nChannel 1: Yeah.\n\nChannel 0: guys?\n\nChannel 1: No. It was good. Yeah. Easy to use. All I had to do was prep prep on the link there and the way it went.\n\nWhich\n\nChannel 0: Beautiful.\n\nChannel 1: was good. Yeah.\n\nChannel 0: And that's come through my end too. So thank you so much for that. Really appreciate it.\n\nChannel 1: Not a problem.\n\nChannel 0: Awesome, Steve. Before I let you go, we've basically up the next sort of review and things like that. Is there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then?\n\nChannel 1: Yeah. Yeah. Just at the moment, just the annual review is okay if I have any problems or issues or anything like that. I just give you the ring and then we organize something as well.\n\nChannel 0: Yep. Looks okay for you.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Alright. I'll make sure that's in the system there as well. And, mate, we're good to go. I'll get this fixed up for you because it is Wednesday today.\n\nShould be able to get all this submitted either by the end of the week or early next week.\n\nChannel 1: Yep. Not a problem. Well, just just that that is sent through that update of the my\n\nChannel 0: For the\n\nChannel 1: credentials.\n\nChannel 0: ID?\n\nChannel 1: Oh, there you go. Yeah.\n\nChannel 0: I can access that right this second, but I'll get that texted through you hopefully within an hour or so.\n\nChannel 1: Oh, no. That's fine, mate. Yeah. No dramas.\n\nChannel 0: Cool. Awesome. Alrighty, mate. Anything else I can help you with before I let you go?\n\nChannel 1: No. All pretty good. All pretty good.\n\nChannel 0: Awesome, Steven. Look, I really do appreciate, honestly, mate, touching base with us and jumping on with me. Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving. And so that way, things won't sit there for too long in the wrong spot.\n\nChannel 1: No. No. Exactly. Yeah. No.\n\nYou want things to keep on moving.\n\nChannel 0: And especially given the way that it is at the moment, they're changing pretty quickly. And the worst thing is if we just can't get in touch with people and we can't change anything, it's a bit hard to make sure you're on the spot.\n\nChannel 1: Yeah. That's right. Exactly.\n\nChannel 0: Awesome, mate. Thank you so much time again, and I look forward to chatting to you again.\n\nChannel 1: Not a problem. Thank you very much. Right?\n\nChannel 0: Cheers, mate. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04592154920101166}],"sentiment":"neutral","sentiment_score":0.04592154920101166,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good day, Steven.","start":2.72,"end":3.6,"sentiment":"neutral","sentiment_score":0.3035345673561096},{"text":"Tommy here from Oakview Financial Lane.","start":3.6,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1743113932510217},{"text":"How","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.22555597126483917}],"sentiment":"neutral","sentiment_score":0.21820280328392982,"channel":0,"num_words":10,"start":2.72,"end":5.7799997},{"sentences":[{"text":"Not too bad, mate.","start":6.48,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4310328736901283},{"text":"Yourself?","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.25372734665870667}],"sentiment":"positive","sentiment_score":0.395571768283844,"channel":1,"num_words":5,"start":6.48,"end":7.7799997},{"sentences":[{"text":"I live in the beautiful day on the Gold Coast, and the the boss has brought his dog into the office.","start":8.559999,"end":13.04,"sentiment":"positive","sentiment_score":0.5982844205129714},{"text":"So it's brilliant.","start":13.04,"end":13.759999,"sentiment":"positive","sentiment_score":0.7783721089363098},{"text":"How are you going?","start":13.759999,"end":14.58,"sentiment":"positive","sentiment_score":0.42324887961149216}],"sentiment":"positive","sentiment_score":0.5925744527152607,"channel":0,"num_words":28,"start":8.559999,"end":14.58},{"sentences":[{"text":"No.","start":15.12,"end":15.44,"sentiment":"neutral","sentiment_score":0.07596808671951294},{"text":"Nice.","start":15.44,"end":15.795,"sentiment":"neutral","sentiment_score":0.22646209597587583},{"text":"Nice.","start":15.955,"end":16.195,"sentiment":"neutral","sentiment_score":0.17643453180789948},{"text":"Yeah.","start":16.195,"end":16.675,"sentiment":"neutral","sentiment_score":0.05012410506606102},{"text":"No.","start":16.675,"end":16.835,"sentiment":"neutral","sentiment_score":-0.02470812387764454}],"sentiment":"neutral","sentiment_score":0.10085613913834095,"channel":1,"num_words":5,"start":15.12,"end":16.835},{"sentences":[{"text":"We've got sun out now.","start":16.835,"end":17.955,"sentiment":"neutral","sentiment_score":-0.040760570019483564},{"text":"It's been it's been down running for the last two days, but it's coming up.","start":17.955,"end":22.035,"sentiment":"neutral","sentiment_score":-0.12177780717611313}],"sentiment":"neutral","sentiment_score":-0.10152349788695574,"channel":1,"num_words":20,"start":16.835,"end":22.035},{"sentences":[{"text":"That's the","start":21.744999,"end":22.485,"sentiment":"neutral","sentiment_score":-0.02397121489048004}],"sentiment":"neutral","sentiment_score":-0.02397121489048004,"channel":0,"num_words":2,"start":21.744999,"end":22.485},{"sentences":[{"text":"Yeah.","start":22.035,"end":22.535,"sentiment":"neutral","sentiment_score":0.03735753148794174},{"text":"Exactly.","start":23.475,"end":23.975,"sentiment":"neutral","sentiment_score":0.10569560527801514}],"sentiment":"neutral","sentiment_score":0.07152656838297844,"channel":1,"num_words":2,"start":22.035,"end":23.975},{"sentences":[{"text":"way.","start":23.985,"end":24.385,"sentiment":"neutral","sentiment_score":0.10441629588603972},{"text":"I've got this document to send through you and just update the strategies we were talking about.","start":24.385,"end":30.325,"sentiment":"neutral","sentiment_score":0.09989798901712194},{"text":"Now","start":30.465,"end":30.705,"sentiment":"neutral","sentiment_score":0.06384706497192383}],"sentiment":"neutral","sentiment_score":0.0982383775867914,"channel":0,"num_words":19,"start":23.985,"end":30.705},{"sentences":[{"text":"Yes.","start":30.595,"end":30.9,"sentiment":"neutral","sentiment_score":0.0792710930109024}],"sentiment":"neutral","sentiment_score":0.0792710930109024,"channel":1,"num_words":1,"start":30.595,"end":30.9},{"sentences":[{"text":"I just quickly check with you.","start":30.705,"end":31.949999,"sentiment":"neutral","sentiment_score":0.071177093933026},{"text":"I'm running into the technical issues with the email server, which will be fixed in about three minutes flat.","start":31.949999,"end":38.21,"sentiment":"neutral","sentiment_score":0.036512115970253944},{"text":"Do you still","start":38.27,"end":38.75,"sentiment":"neutral","sentiment_score":0.02622103566924731}],"sentiment":"neutral","sentiment_score":0.04283770978716867,"channel":0,"num_words":28,"start":30.705,"end":38.75},{"sentences":[{"text":"Right.","start":38.66,"end":39.16,"sentiment":"neutral","sentiment_score":0.03240486979484558}],"sentiment":"neutral","sentiment_score":0.03240486979484558,"channel":1,"num_words":1,"start":38.66,"end":39.16},{"sentences":[{"text":"have a bit of time for me this afternoon about fifteen minutes?","start":38.75,"end":41.489998,"sentiment":"neutral","sentiment_score":0.026357411096493404}],"sentiment":"neutral","sentiment_score":0.026357411096493404,"channel":0,"num_words":12,"start":38.75,"end":41.489998},{"sentences":[{"text":"Yes.","start":42.02,"end":42.52,"sentiment":"neutral","sentiment_score":0.0517188236117363},{"text":"Yeah.","start":42.579998,"end":42.66,"sentiment":"neutral","sentiment_score":0.06541252136230469},{"text":"Yeah.","start":42.66,"end":42.98,"sentiment":"neutral","sentiment_score":0.09183982014656068},{"text":"Copy.","start":42.98,"end":43.48,"sentiment":"neutral","sentiment_score":0.17025724053382874}],"sentiment":"neutral","sentiment_score":0.0948071014136076,"channel":1,"num_words":4,"start":42.02,"end":43.48},{"sentences":[{"text":"Cool.","start":44.59,"end":45.07,"sentiment":"neutral","sentiment_score":0.25994548201560974},{"text":"So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you.","start":45.07,"end":53.205,"sentiment":"neutral","sentiment_score":0.11446336430052052},{"text":"It will just take me a minute to get it to your email address.","start":53.205,"end":56.025,"sentiment":"neutral","sentiment_score":0.09508581353085381}],"sentiment":"neutral","sentiment_score":0.11115274343051408,"channel":0,"num_words":38,"start":44.59,"end":56.025},{"sentences":[{"text":"Yep.","start":56.414997,"end":56.914997,"sentiment":"neutral","sentiment_score":0.05178280919790268}],"sentiment":"neutral","sentiment_score":0.05178280919790268,"channel":1,"num_words":1,"start":56.414997,"end":56.914997},{"sentences":[{"text":"Can I just confirm your date of birth and address, please?","start":56.485,"end":60.185,"sentiment":"neutral","sentiment_score":0.03814218870618127}],"sentiment":"neutral","sentiment_score":0.03814218870618127,"channel":0,"num_words":11,"start":56.485,"end":60.185},{"sentences":[{"text":"03/03/1968.","start":60.76,"end":62.76,"sentiment":"neutral","sentiment_score":0.009848748333752155},{"text":"14 Francis Greenway Avenue, Saint Claire, New South Wales 2759.","start":62.76,"end":67.26,"sentiment":"neutral","sentiment_score":0.02234521694481373}],"sentiment":"neutral","sentiment_score":0.021209174343808132,"channel":1,"num_words":11,"start":60.76,"end":67.26},{"sentences":[{"text":"Amazing.","start":68.14,"end":68.619995,"sentiment":"neutral","sentiment_score":0.2936897277832031},{"text":"And I'm registered adviser 1273105.","start":68.619995,"end":72.06,"sentiment":"neutral","sentiment_score":0.10262413918972016},{"text":"Are you okay for this call to be recorded?","start":72.06,"end":73.92,"sentiment":"neutral","sentiment_score":0.055076468735933304}],"sentiment":"neutral","sentiment_score":0.08683324282368024,"channel":0,"num_words":15,"start":68.14,"end":73.92},{"sentences":[{"text":"Yeah.","start":74.315,"end":74.555,"sentiment":"neutral","sentiment_score":0.046817805618047714},{"text":"I'll be there.","start":74.555,"end":75.455,"sentiment":"neutral","sentiment_score":0.07321805506944656}],"sentiment":"neutral","sentiment_score":0.06661799270659685,"channel":1,"num_words":4,"start":74.315,"end":75.455},{"sentences":[{"text":"Perfect.","start":76.064995,"end":76.564995,"sentiment":"positive","sentiment_score":0.34993183612823486},{"text":"So just a quick little recap with what we're doing.","start":76.784996,"end":80.405,"sentiment":"neutral","sentiment_score":0.13223681673407556},{"text":"We were kind of just doing a few updates on the, like, portfolio and things like that.","start":81.024994,"end":86.485,"sentiment":"neutral","sentiment_score":0.08015152329907697},{"text":"Main thing for you is we would get your risk level on the super reduced a little bit just because,","start":86.865,"end":91.979996,"sentiment":"neutral","sentiment_score":0.010627205297350884}],"sentiment":"neutral","sentiment_score":0.06765458344792326,"channel":0,"num_words":48,"start":76.064995,"end":91.979996},{"sentences":[{"text":"Right.","start":91.85,"end":92.35,"sentiment":"neutral","sentiment_score":-0.005803048610687256}],"sentiment":"neutral","sentiment_score":-0.005803048610687256,"channel":1,"num_words":1,"start":91.85,"end":92.35},{"sentences":[{"text":"obviously, you're getting closer to the time and age.","start":91.979996,"end":95.28,"sentiment":"neutral","sentiment_score":-0.04243774774173895},{"text":"We're trying","start":95.34,"end":95.9,"sentiment":"neutral","sentiment_score":0.004930879920721054}],"sentiment":"neutral","sentiment_score":-0.03382526998492805,"channel":0,"num_words":11,"start":91.979996,"end":95.9},{"sentences":[{"text":"Yep.","start":95.77,"end":96.27,"sentiment":"neutral","sentiment_score":0.015207204967737198}],"sentiment":"neutral","sentiment_score":0.015207204967737198,"channel":1,"num_words":1,"start":95.77,"end":96.27},{"sentences":[{"text":"to bump you down high risk down to something a bit more appropriate.","start":95.9,"end":99.119995,"sentiment":"neutral","sentiment_score":0.0004049046681477469}],"sentiment":"neutral","sentiment_score":0.0004049046681477469,"channel":0,"num_words":13,"start":95.9,"end":99.119995},{"sentences":[{"text":"Yep.","start":100.17,"end":100.455,"sentiment":"neutral","sentiment_score":0.043032582849264145}],"sentiment":"neutral","sentiment_score":0.043032582849264145,"channel":1,"num_words":1,"start":100.17,"end":100.455},{"sentences":[{"text":"And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums.","start":101.475,"end":107.395004,"sentiment":"neutral","sentiment_score":0.07756989305982223},{"text":"Does that ring a 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110,000.","start":409.085,"end":411.585,"sentiment":"neutral","sentiment_score":0.060618151910603046},{"text":"We've got your mobile, your email.","start":411.64502,"end":413.42502,"sentiment":"neutral","sentiment_score":0.08414017781615257},{"text":"Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together 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profile.","start":434.585,"end":437.645,"sentiment":"neutral","sentiment_score":0.03757833192745844}],"sentiment":"neutral","sentiment_score":0.0608999898036321,"channel":0,"num_words":30,"start":423.59,"end":437.645},{"sentences":[{"text":"Right.","start":439.345,"end":439.505,"sentiment":"neutral","sentiment_score":0.06915253400802612},{"text":"Oh, okay.","start":439.505,"end":440.225,"sentiment":"neutral","sentiment_score":0.09184234961867332},{"text":"Yeah.","start":440.225,"end":440.545,"sentiment":"neutral","sentiment_score":0.10177752375602722},{"text":"Right.","start":440.545,"end":441.045,"sentiment":"neutral","sentiment_score":0.1255141645669937}],"sentiment":"neutral","sentiment_score":0.09602578431367874,"channel":1,"num_words":5,"start":439.345,"end":441.045},{"sentences":[{"text":"So again, in terms of sale, it goes conservative, moderate, balanced growth, high 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one peg at the moment, and then every few years, look at maybe reducing it further.","start":452.52002,"end":456.62,"sentiment":"neutral","sentiment_score":-0.1084903997971731}],"sentiment":"neutral","sentiment_score":-0.1084903997971731,"channel":0,"num_words":17,"start":452.52002,"end":456.62},{"sentences":[{"text":"Oh, okay.","start":457.31,"end":458.085,"sentiment":"neutral","sentiment_score":-0.013707375153899193}],"sentiment":"neutral","sentiment_score":-0.013707375153899193,"channel":1,"num_words":2,"start":457.31,"end":458.085},{"sentences":[{"text":"K?","start":459.24,"end":459.675,"sentiment":"neutral","sentiment_score":-0.009624764323234558},{"text":"Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there.","start":459.91498,"end":467.91498,"sentiment":"neutral","sentiment_score":-0.021352323819883168},{"text":"I apologize.","start":467.91498,"end":468.495,"sentiment":"neutral","sentiment_score":-0.0954841822385788},{"text":"Under strategies.","start":469.115,"end":469.85498,"sentiment":"neutral","sentiment_score":-0.0365692563354969}],"sentiment":"neutral","sentiment_score":-0.027109910798226965,"channel":0,"num_words":29,"start":459.24,"end":469.85498},{"sentences":[{"text":"Yeah.","start":470.32498,"end":470.82498,"sentiment":"neutral","sentiment_score":-0.001803150400519371},{"text":"Right.","start":471.845,"end":472.345,"sentiment":"neutral","sentiment_score":0.0010929498821496964}],"sentiment":"neutral","sentiment_score":-0.00035510025918483734,"channel":1,"num_words":2,"start":470.32498,"end":472.345},{"sentences":[{"text":"Can you see that one there popping up?","start":473.38,"end":475.48,"sentiment":"neutral","sentiment_score":-0.001105590141378343}],"sentiment":"neutral","sentiment_score":-0.001105590141378343,"channel":0,"num_words":8,"start":473.38,"end":475.48},{"sentences":[{"text":"Yeah.","start":477.35,"end":477.67,"sentiment":"neutral","sentiment_score":-0.0005624135956168175},{"text":"Which one is it?","start":477.67,"end":478.39,"sentiment":"neutral","sentiment_score":-0.006932028336450458},{"text":"Just after page four name?","start":478.39,"end":480.17,"sentiment":"neutral","sentiment_score":-0.008233899250626564}],"sentiment":"neutral","sentiment_score":-0.006946002319455147,"channel":1,"num_words":10,"start":477.35,"end":480.17},{"sentences":[{"text":"Yeah.","start":481.3,"end":481.78,"sentiment":"neutral","sentiment_score":0.0115634985268116},{"text":"And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it.","start":481.78,"end":490.345,"sentiment":"neutral","sentiment_score":0.03128165782739719}],"sentiment":"neutral","sentiment_score":0.030492931455373764,"channel":0,"num_words":25,"start":481.3,"end":490.345},{"sentences":[{"text":"Right.","start":490.715,"end":491.215,"sentiment":"neutral","sentiment_score":0.08815748989582062},{"text":"Yes.","start":491.355,"end":491.855,"sentiment":"neutral","sentiment_score":0.09070733189582823}],"sentiment":"neutral","sentiment_score":0.08943241089582443,"channel":1,"num_words":2,"start":490.715,"end":491.855},{"sentences":[{"text":"K.","start":492.405,"end":492.805,"sentiment":"neutral","sentiment_score":0.07400240004062653},{"text":"So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit.","start":492.805,"end":499.32,"sentiment":"neutral","sentiment_score":0.05892971406380335},{"text":"And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around.","start":500.44,"end":512.955,"sentiment":"neutral","sentiment_score":0.08349285294271765},{"text":"Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free.","start":513.59503,"end":524.97504,"sentiment":"neutral","sentiment_score":0.33293299422119604},{"text":"At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments 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there the reduced premiums for the insurance as well.","start":567.0,"end":571.1,"sentiment":"positive","sentiment_score":0.42231096441929156},{"text":"Bottom of that table has the five year rolling average, which","start":571.8,"end":575.74506,"sentiment":"positive","sentiment_score":0.379863823002035}],"sentiment":"positive","sentiment_score":0.36622071960719965,"channel":0,"num_words":59,"start":553.865,"end":575.74506},{"sentences":[{"text":"Yep.","start":575.52,"end":575.805,"sentiment":"neutral","sentiment_score":0.2915745973587036}],"sentiment":"neutral","sentiment_score":0.2915745973587036,"channel":1,"num_words":1,"start":575.52,"end":575.805},{"sentences":[{"text":"in terms of the returns, point five three to 10.8.","start":576.36505,"end":579.16504,"sentiment":"neutral","sentiment_score":0.33237133622169496},{"text":"And it's actually not too much of a difference to drop the risk level down a peg in terms of the 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it, it should say annualized investment returns, 07/31/2026.","start":630.675,"end":637.89,"sentiment":"neutral","sentiment_score":0.1324132508956469},{"text":"And it basically just steps at one year, three, five, and 10.","start":638.05,"end":642.31,"sentiment":"neutral","sentiment_score":0.1723423128326734},{"text":"You can see they're pretty similar in terms of the returns between each each time 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you down a little bit, you go to 85%.","start":778.34503,"end":780.745,"sentiment":"neutral","sentiment_score":-0.0006903428584337234},{"text":"So it's a small adjust to the risk level, drop down about 10%.","start":780.745,"end":785.13,"sentiment":"neutral","sentiment_score":-0.07766965633401504}],"sentiment":"neutral","sentiment_score":-0.044200389605501426,"channel":0,"num_words":23,"start":778.34503,"end":785.13},{"sentences":[{"text":"Right.","start":786.06,"end":786.56,"sentiment":"neutral","sentiment_score":0.06803525984287262}],"sentiment":"neutral","sentiment_score":0.06803525984287262,"channel":1,"num_words":1,"start":786.06,"end":786.56},{"sentences":[{"text":"K.","start":787.91,"end":788.41,"sentiment":"neutral","sentiment_score":0.06601464748382568},{"text":"And the last one is the retirement income calculation.","start":788.95,"end":792.89,"sentiment":"neutral","sentiment_score":0.08694279193878174},{"text":"So there'll be some blue and green bars there.","start":793.67,"end":796.155,"sentiment":"neutral","sentiment_score":0.10187238206466039},{"text":"We've just used the government money smart calculator for that one.","start":796.155,"end":799.375,"sentiment":"neutral","sentiment_score":0.1465131173079664}],"sentiment":"neutral","sentiment_score":0.11256651679674784,"channel":0,"num_words":30,"start":787.91,"end":799.375},{"sentences":[{"text":"Yes.","start":799.5,"end":799.82,"sentiment":"neutral","sentiment_score":0.18187597393989563},{"text":"Right.","start":799.82,"end":800.22003,"sentiment":"neutral","sentiment_score":0.17094942927360535},{"text":"Okay.","start":800.22003,"end":800.72003,"sentiment":"neutral","sentiment_score":0.20375287532806396}],"sentiment":"neutral","sentiment_score":0.18552609284718832,"channel":1,"num_words":3,"start":799.5,"end":800.72003},{"sentences":[{"text":"There's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because 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of support.","start":823.83,"end":833.665,"sentiment":"positive","sentiment_score":0.3535571932792664},{"text":"Your income is based on what we've talked about.","start":833.725,"end":836.065,"sentiment":"neutral","sentiment_score":0.20869835217793783},{"text":"And","start":836.365,"end":836.685,"sentiment":"neutral","sentiment_score":0.14783306419849396}],"sentiment":"neutral","sentiment_score":0.3200137777460946,"channel":0,"num_words":45,"start":823.83,"end":836.685},{"sentences":[{"text":"Right.","start":836.555,"end":837.055,"sentiment":"neutral","sentiment_score":0.14513295888900757}],"sentiment":"neutral","sentiment_score":0.14513295888900757,"channel":1,"num_words":1,"start":836.555,"end":837.055},{"sentences":[{"text":"if drops, the age pension will will top you back up again as 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the age pension, there'll still be something there.","start":850.24,"end":858.285,"sentiment":"neutral","sentiment_score":0.0853298120200634}],"sentiment":"neutral","sentiment_score":0.16050464198317216,"channel":0,"num_words":46,"start":844.48004,"end":858.285},{"sentences":[{"text":"Oh, right.","start":858.865,"end":859.66504,"sentiment":"neutral","sentiment_score":0.09542978927493095},{"text":"Okay.","start":859.66504,"end":859.98505,"sentiment":"neutral","sentiment_score":0.10582808405160904},{"text":"Fair enough.","start":859.98505,"end":860.72504,"sentiment":"neutral","sentiment_score":0.13720833510160446},{"text":"Yep.","start":860.78503,"end":861.28503,"sentiment":"neutral","sentiment_score":0.12937842309474945}],"sentiment":"neutral","sentiment_score":0.11674712598323822,"channel":1,"num_words":6,"start":858.865,"end":861.28503},{"sentences":[{"text":"Yep.","start":861.38495,"end":861.88495,"sentiment":"neutral","sentiment_score":0.10392898321151732},{"text":"Any questions on that so far on the super side of things?","start":862.26495,"end":864.925,"sentiment":"neutral","sentiment_score":0.06777615441630284}],"sentiment":"neutral","sentiment_score":0.07055714124670395,"channel":0,"num_words":13,"start":861.38495,"end":864.925},{"sentences":[{"text":"No.","start":865.34503,"end":865.585,"sentiment":"neutral","sentiment_score":-0.1383500695228577},{"text":"No.","start":865.585,"end":865.905,"sentiment":"neutral","sentiment_score":-0.14423860609531405},{"text":"All good so far.","start":865.905,"end":866.965,"sentiment":"neutral","sentiment_score":-0.051519449800252914}],"sentiment":"neutral","sentiment_score":-0.0814444124698639,"channel":1,"num_words":6,"start":865.34503,"end":866.965},{"sentences":[{"text":"Cool.","start":867.70496,"end":868.20496,"sentiment":"neutral","sentiment_score":0.23485122621059415},{"text":"It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000","start":868.66003,"end":878.52,"sentiment":"neutral","sentiment_score":0.09487230487559971}],"sentiment":"neutral","sentiment_score":0.10187125094234943,"channel":0,"num_words":20,"start":867.70496,"end":878.52},{"sentences":[{"text":"Yep.","start":879.18,"end":879.68,"sentiment":"neutral","sentiment_score":0.07037104666233063}],"sentiment":"neutral","sentiment_score":0.07037104666233063,"channel":1,"num_words":1,"start":879.18,"end":879.68},{"sentences":[{"text":"from $6.36 that you've currently got.","start":879.3,"end":881.88,"sentiment":"neutral","sentiment_score":0.06280576872328918}],"sentiment":"neutral","sentiment_score":0.06280576872328918,"channel":0,"num_words":6,"start":879.3,"end":881.88},{"sentences":[{"text":"Yeah.","start":882.62,"end":882.86,"sentiment":"neutral","sentiment_score":0.10830789804458618},{"text":"Right.","start":882.86,"end":883.18,"sentiment":"neutral","sentiment_score":0.1180875152349472},{"text":"Yep.","start":883.18,"end":883.68,"sentiment":"neutral","sentiment_score":0.08707299083471298}],"sentiment":"neutral","sentiment_score":0.10448946803808212,"channel":1,"num_words":3,"start":882.62,"end":883.68},{"sentences":[{"text":"K?","start":884.175,"end":884.675,"sentiment":"neutral","sentiment_score":0.07565123587846756},{"text":"Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great.","start":885.295,"end":892.995,"sentiment":"neutral","sentiment_score":0.1682364656166597},{"text":"But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly.","start":893.375,"end":901.89,"sentiment":"neutral","sentiment_score":0.11361562886408397},{"text":"So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense.","start":902.11,"end":912.575,"sentiment":"neutral","sentiment_score":-0.008608580731293735}],"sentiment":"neutral","sentiment_score":0.07525756334265073,"channel":0,"num_words":78,"start":884.175,"end":912.575},{"sentences":[{"text":"Yes.","start":912.10004,"end":912.58,"sentiment":"neutral","sentiment_score":0.1585829257965088},{"text":"Yes.","start":912.58,"end":913.08,"sentiment":"neutral","sentiment_score":0.20634843409061432}],"sentiment":"neutral","sentiment_score":0.18246567994356155,"channel":1,"num_words":2,"start":912.10004,"end":913.08},{"sentences":[{"text":"Cool.","start":914.075,"end":914.575,"sentiment":"neutral","sentiment_score":0.08455940335988998},{"text":"I've attached inside this document pack just an alteration quote.","start":915.035,"end":919.695,"sentiment":"neutral","sentiment_score":0.23655773997306823},{"text":"You don't have to go through the application or any forms, anything like that.","start":919.915,"end":924.7,"sentiment":"neutral","sentiment_score":0.25482109082596643},{"text":"To reduce it down, it's basically just sign the quote and we're good to go.","start":924.83997,"end":928.45996,"sentiment":"positive","sentiment_score":0.46173721353212993}],"sentiment":"neutral","sentiment_score":0.32359225694090127,"channel":0,"num_words":40,"start":914.075,"end":928.45996},{"sentences":[{"text":"Alright.","start":929.01,"end":929.49,"sentiment":"positive","sentiment_score":0.4419140219688415},{"text":"Okay.","start":929.49,"end":929.99,"sentiment":"positive","sentiment_score":0.5816968083381653}],"sentiment":"positive","sentiment_score":0.5118054151535034,"channel":1,"num_words":2,"start":929.01,"end":929.99},{"sentences":[{"text":"Cool.","start":931.16,"end":931.66,"sentiment":"positive","sentiment_score":0.6758846044540405},{"text":"And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place.","start":932.44,"end":942.305,"sentiment":"positive","sentiment_score":0.4009489382014555},{"text":"And it just relists our our services, our fees, and at the bottom there as well.","start":942.52496,"end":948.38495,"sentiment":"neutral","sentiment_score":0.3180253244936466}],"sentiment":"positive","sentiment_score":0.3803245822588603,"channel":0,"num_words":51,"start":931.16,"end":948.38495},{"sentences":[{"text":"Yep.","start":948.995,"end":949.495,"sentiment":"positive","sentiment_score":0.3738747537136078}],"sentiment":"positive","sentiment_score":0.3738747537136078,"channel":1,"num_words":1,"start":948.995,"end":949.495},{"sentences":[{"text":"Basically, to implement everything, it's straightforward.","start":951.4,"end":954.46,"sentiment":"positive","sentiment_score":0.4630882441997528},{"text":"I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account.","start":954.6,"end":964.22,"sentiment":"positive","sentiment_score":0.33605307054061156},{"text":"Once you sign the reduction quote, we can send that off to Tal.","start":965.08,"end":969.15497,"sentiment":"neutral","sentiment_score":0.3081866537149136},{"text":"They'll action that and give you a refund.","start":969.375,"end":971.315,"sentiment":"positive","sentiment_score":0.34959473088383675}],"sentiment":"positive","sentiment_score":0.34564327631356584,"channel":0,"num_words":53,"start":951.4,"end":971.315},{"sentences":[{"text":"Alright.","start":972.935,"end":973.435,"sentiment":"neutral","sentiment_score":0.245137020945549}],"sentiment":"neutral","sentiment_score":0.245137020945549,"channel":1,"num_words":1,"start":972.935,"end":973.435},{"sentences":[{"text":"I was going to send possibly some beneficiary forms through to you just to make sure that's there.","start":977.13495,"end":982.58997,"sentiment":"neutral","sentiment_score":0.16030348589022955},{"text":"But I think yours is in place okay.","start":982.58997,"end":985.25,"sentiment":"neutral","sentiment_score":0.17167646810412407}],"sentiment":"neutral","sentiment_score":0.16380286503296632,"channel":0,"num_words":26,"start":977.13495,"end":985.25},{"sentences":[{"text":"Yes.","start":985.78,"end":986.28,"sentiment":"neutral","sentiment_score":0.11406171321868896}],"sentiment":"neutral","sentiment_score":0.11406171321868896,"channel":1,"num_words":1,"start":985.78,"end":986.28},{"sentences":[{"text":"But I'll send you a message if we need to update that.","start":985.79,"end":988.20996,"sentiment":"neutral","sentiment_score":0.04920998557160298}],"sentiment":"neutral","sentiment_score":0.04920998557160298,"channel":0,"num_words":12,"start":985.79,"end":988.20996},{"sentences":[{"text":"Okay.","start":988.82,"end":989.32,"sentiment":"neutral","sentiment_score":0.06291557848453522}],"sentiment":"neutral","sentiment_score":0.06291557848453522,"channel":1,"num_words":1,"start":988.82,"end":989.32},{"sentences":[{"text":"K.","start":990.43,"end":990.93,"sentiment":"neutral","sentiment_score":0.04067561402916908},{"text":"I'm just gonna check your ID on file.","start":992.35,"end":994.82996,"sentiment":"neutral","sentiment_score":0.03602994233369827},{"text":"The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file.","start":994.82996,"end":1004.535,"sentiment":"neutral","sentiment_score":0.06435842042167982},{"text":"And just open your current ID that you've got just to see the expiry here for a second, which is in territory.","start":1006.195,"end":1015.3,"sentiment":"neutral","sentiment_score":0.010649867525154894},{"text":"I've actually not really as much before, I must say.","start":1015.36005,"end":1019.86005,"sentiment":"neutral","sentiment_score":-0.19383652210235597}],"sentiment":"neutral","sentiment_score":0.007825346899704195,"channel":0,"num_words":71,"start":990.43,"end":1019.86005},{"sentences":[{"text":"Just trying to the expiry date.","start":1024.0801,"end":1025.665,"sentiment":"neutral","sentiment_score":-0.15985295424858728},{"text":"I do apologize, mate.","start":1025.665,"end":1026.785,"sentiment":"neutral","sentiment_score":-0.23407229781150818},{"text":"It's got the the numbers backwards here.","start":1026.785,"end":1029.925,"sentiment":"neutral","sentiment_score":-0.07799944547670228},{"text":"There we go.","start":1030.145,"end":1031.045,"sentiment":"neutral","sentiment_score":-0.012702526524662971},{"text":"May 26.","start":1031.505,"end":1032.785,"sentiment":"neutral","sentiment_score":-0.001806105487048625}],"sentiment":"neutral","sentiment_score":-0.11286921934647993,"channel":0,"num_words":22,"start":1024.0801,"end":1032.785},{"sentences":[{"text":"So I might need to flick you a link just to get the updated ID to submit along with it.","start":1032.785,"end":1037.665,"sentiment":"neutral","sentiment_score":0.030228825099766255},{"text":"Is that okay?","start":1037.665,"end":1038.485,"sentiment":"neutral","sentiment_score":0.07645266006390254}],"sentiment":"neutral","sentiment_score":0.036258020964653595,"channel":0,"num_words":23,"start":1032.785,"end":1038.485},{"sentences":[{"text":"Okay.","start":1039.01,"end":1039.49,"sentiment":"neutral","sentiment_score":0.09552492201328278},{"text":"Yep.","start":1039.49,"end":1039.99,"sentiment":"neutral","sentiment_score":0.12087615579366684}],"sentiment":"neutral","sentiment_score":0.10820053890347481,"channel":1,"num_words":2,"start":1039.01,"end":1039.99},{"sentences":[{"text":"Yep.","start":1040.545,"end":1041.045,"sentiment":"neutral","sentiment_score":0.12733390927314758},{"text":"Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers.","start":1041.2201,"end":1048.04,"sentiment":"neutral","sentiment_score":0.1503509134054184},{"text":"And that way, they can they can approve it.","start":1048.26,"end":1050.8401,"sentiment":"neutral","sentiment_score":0.18578077024883694}],"sentiment":"neutral","sentiment_score":0.1598945168718215,"channel":0,"num_words":31,"start":1040.545,"end":1050.8401},{"sentences":[{"text":"Certified stamp from where?","start":1052.255,"end":1054.115,"sentiment":"neutral","sentiment_score":0.018230441492050886}],"sentiment":"neutral","sentiment_score":0.018230441492050886,"channel":1,"num_words":4,"start":1052.255,"end":1054.115},{"sentences":[{"text":"So I do the certification.","start":1055.295,"end":1056.915,"sentiment":"neutral","sentiment_score":0.0393919937312603},{"text":"Basically,","start":1057.295,"end":1057.775,"sentiment":"neutral","sentiment_score":0.04631070792675018}],"sentiment":"neutral","sentiment_score":0.04054511276384195,"channel":0,"num_words":6,"start":1055.295,"end":1057.775},{"sentences":[{"text":"Right.","start":1057.775,"end":1058.275,"sentiment":"neutral","sentiment_score":0.05164921283721924}],"sentiment":"neutral","sentiment_score":0.05164921283721924,"channel":1,"num_words":1,"start":1057.775,"end":1058.275},{"sentences":[{"text":"we just get a bit of your ID.","start":1057.775,"end":1059.4551,"sentiment":"neutral","sentiment_score":0.026788214221596718},{"text":"I'll do that and stamp it.","start":1059.4551,"end":1061.0751,"sentiment":"neutral","sentiment_score":0.32601985583702725},{"text":"Yeah.","start":1062.8151,"end":1063.3151,"sentiment":"neutral","sentiment_score":0.2444884181022644},{"text":"Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all.","start":1064.175,"end":1070.61,"sentiment":"neutral","sentiment_score":0.1658701767715124},{"text":"If you're okay","start":1070.61,"end":1071.25,"sentiment":"neutral","sentiment_score":0.11004968980948131}],"sentiment":"neutral","sentiment_score":0.160401975736022,"channel":0,"num_words":44,"start":1057.775,"end":1071.25},{"sentences":[{"text":"Alright.","start":1071.18,"end":1071.68,"sentiment":"neutral","sentiment_score":0.12077409029006958}],"sentiment":"neutral","sentiment_score":0.12077409029006958,"channel":1,"num_words":1,"start":1071.18,"end":1071.68},{"sentences":[{"text":"to at least text through a photo.","start":1071.25,"end":1072.7899,"sentiment":"neutral","sentiment_score":0.0974581486412457}],"sentiment":"neutral","sentiment_score":0.0974581486412457,"channel":0,"num_words":7,"start":1071.25,"end":1072.7899},{"sentences":[{"text":"So I just have to send you a photo of your license.","start":1072.86,"end":1075.1001,"sentiment":"neutral","sentiment_score":0.08030328558137019},{"text":"Right?","start":1075.1001,"end":1075.6001,"sentiment":"neutral","sentiment_score":0.10881415009498596}],"sentiment":"neutral","sentiment_score":0.08249642900549449,"channel":1,"num_words":13,"start":1072.86,"end":1075.6001},{"sentences":[{"text":"Pretty much.","start":1076.1299,"end":1076.61,"sentiment":"neutral","sentiment_score":0.27314572781324387},{"text":"Yeah.","start":1076.61,"end":1077.09,"sentiment":"neutral","sentiment_score":0.20108765363693237},{"text":"Front and back nice and clear if you can.","start":1077.09,"end":1079.09,"sentiment":"neutral","sentiment_score":0.28101753691832226},{"text":"Otherwise, they tend to go can't see those writing on there.","start":1079.09,"end":1081.8099,"sentiment":"neutral","sentiment_score":-0.10673717815767635},{"text":"We'll have to reject 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use?","start":1319.355,"end":1320.635,"sentiment":"neutral","sentiment_score":0.12865685671567917},{"text":"Is it pretty user friendly?","start":1320.635,"end":1321.675,"sentiment":"neutral","sentiment_score":0.15751188099384308},{"text":"Any I can pass off to the to 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go.","start":1399.9801,"end":1400.7001,"sentiment":"neutral","sentiment_score":0.04624047689139843},{"text":"Yeah.","start":1400.7001,"end":1401.2001,"sentiment":"neutral","sentiment_score":0.06621529906988144}],"sentiment":"neutral","sentiment_score":0.05023544132709503,"channel":1,"num_words":5,"start":1399.9801,"end":1401.2001},{"sentences":[{"text":"I can access that right this second, but I'll get that texted through you hopefully within an hour or so.","start":1401.6951,"end":1409.41,"sentiment":"neutral","sentiment_score":0.089920973777771}],"sentiment":"neutral","sentiment_score":0.089920973777771,"channel":0,"num_words":20,"start":1401.6951,"end":1409.41},{"sentences":[{"text":"Oh, no.","start":1409.42,"end":1409.8201,"sentiment":"neutral","sentiment_score":0.043232835829257965},{"text":"That's fine, 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me.","start":1420.975,"end":1426.015,"sentiment":"positive","sentiment_score":0.4165306556969881},{"text":"Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving.","start":1426.015,"end":1432.995,"sentiment":"neutral","sentiment_score":0.2976080884358713},{"text":"And so that way, things won't sit there for too long in the wrong 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much.","start":1462.37,"end":1463.4099,"sentiment":"positive","sentiment_score":0.7584918588399887},{"text":"Right?","start":1463.4099,"end":1463.9099,"sentiment":"positive","sentiment_score":0.5034140944480896}],"sentiment":"positive","sentiment_score":0.655471533536911,"channel":1,"num_words":8,"start":1461.57,"end":1463.9099},{"sentences":[{"text":"Cheers, mate.","start":1464.743,"end":1465.383,"sentiment":"positive","sentiment_score":0.6387534141540527},{"text":"Bye.","start":1465.383,"end":1465.883,"sentiment":"positive","sentiment_score":0.352653443813324}],"sentiment":"positive","sentiment_score":0.5433867573738098,"channel":0,"num_words":3,"start":1464.743,"end":1465.883},{"sentences":[{"text":"Bye bye.","start":1466.0499,"end":1466.71,"sentiment":"neutral","sentiment_score":0.018177323043346405}],"sentiment":"neutral","sentiment_score":0.018177323043346405,"channel":1,"num_words":2,"start":1466.0499,"end":1466.71}]},"summary":{"result":"success","short":"Representatives from Oakview Financial Lane speak with Steven to confirm his personal information and update his risk profile. They provide information on retirement goals and risk assessment, advising him on the process and timeline for updating his profile. The speakers also discuss reducing risk levels and decreasing investment portfolios through a strategy recommendation tool and updating his ID. They provide instructions for updating his ID and recommend a multi-factor signature, emphasizing annual reviews and scheduling a follow-up call."},"intents":{"segments":[{"text":"I just quickly check with you. I'm running into the technical issues with the email server, which will be fixed in about three minutes flat. Do you still Right.","start_word":93,"end_word":121,"intents":[{"intent":"Check with steven","confidence_score":0.006180148}]},{"text":"So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you. It will just take me a minute to get it to your email address. Yep.","start_word":139,"end_word":176,"intents":[{"intent":"Confirm consent","confidence_score":0.46448952}]},{"text":"Can I just confirm your date of birth and address, please?","start_word":177,"end_word":187,"intents":[{"intent":"Confirm information","confidence_score":0.068373695}]},{"text":"Can I just confirm your date of birth and address, please? 03/03/1968. 14 Francis Greenway Avenue, Saint Claire, New South Wales 2759. Amazing.","start_word":177,"end_word":199,"intents":[{"intent":"Confirm address","confidence_score":0.022457914}]},{"text":"Are you okay for this call to be recorded? Yeah.","start_word":205,"end_word":214,"intents":[{"intent":"Request call recording","confidence_score":0.013655547}]},{"text":"Main thing for you is we would get your risk level on the super reduced a little bit just because, Right. obviously, you're getting closer to the time and age. We're trying Yep. to bump you down high risk down to something a bit more appropriate. Yep.","start_word":246,"end_word":292,"intents":[{"intent":"Increase risk level","confidence_score":0.0020513583}]},{"text":"And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums. Does that ring a bell? Yes.","start_word":293,"end_word":324,"intents":[{"intent":"Cut insurances","confidence_score":0.016049273}]},{"text":"and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make Right.","start_word":393,"end_word":432,"intents":[{"intent":"Update estate planning","confidence_score":0.046910178}]},{"text":"I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal. I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one. Yeah.","start_word":729,"end_word":783,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.053074796}]},{"text":"Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years. And once Yes.","start_word":1043,"end_word":1068,"intents":[{"intent":"Revisit strategy","confidence_score":0.030367631}]},{"text":"you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup.","start_word":1068,"end_word":1088,"intents":[{"intent":"Access soup","confidence_score":0.47800022}]},{"text":"you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup. Does that ring a bell? Yes.","start_word":1068,"end_word":1094,"intents":[{"intent":"Explore investment options","confidence_score":0.0015675832}]},{"text":"Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10. There's, like, an use section with details and your assets and liabilities as well.","start_word":1098,"end_word":1129,"intents":[{"intent":"Identify use section","confidence_score":0.0055096555}]},{"text":"Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio. Pages eleven and twelve, that'll be your risk profile. Right.","start_word":1175,"end_word":1204,"intents":[{"intent":"Check risk profile","confidence_score":0.016055845}]},{"text":"And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it. Right.","start_word":1307,"end_word":1331,"intents":[{"intent":"Provide strategy recommendations","confidence_score":0.011065399}]},{"text":"Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free.","start_word":1387,"end_word":1419,"intents":[{"intent":"Determine tax-free income","confidence_score":0.000016741478}]},{"text":"Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement.","start_word":1726,"end_word":1748,"intents":[{"intent":"Educate about investments","confidence_score":0.04253304}]},{"text":"So it's a small adjust to the risk level, drop down about 10%. Right. K.","start_word":2059,"end_word":2073,"intents":[{"intent":"Adjust risk level","confidence_score":0.710499}]},{"text":"Right.","start_word":2158,"end_word":2158,"intents":[{"intent":"Track retirement goals","confidence_score":0.17060709}]},{"text":"It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000 Yep. from $6.36 that you've currently got. Yeah.","start_word":2294,"end_word":2320,"intents":[{"intent":"Segue into insurance strategy","confidence_score":0.06955162}]},{"text":"Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great. But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly. So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense.","start_word":2324,"end_word":2400,"intents":[{"intent":"Check insurances","confidence_score":0.5807839}]},{"text":"I've attached inside this document pack just an alteration quote. You don't have to go through the application or any forms, anything like that. To reduce it down, it's basically just sign the quote and we're good to go. Alright.","start_word":2405,"end_word":2444,"intents":[{"intent":"Request attorney quote","confidence_score":0.0034439298}]},{"text":"And it just relists our our services, our fees, and at the bottom there as well. Yep.","start_word":2480,"end_word":2496,"intents":[{"intent":"Implement services","confidence_score":0.024330057}]},{"text":"I'm just gonna check your ID on file. The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file. And just open your current ID that you've got just to see the expiry here for a second, which is in territory.","start_word":2592,"end_word":2651,"intents":[{"intent":"Verify id","confidence_score":0.0015755972}]},{"text":"Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers. And that way, they can they can approve it. Certified stamp from where?","start_word":2710,"end_word":2743,"intents":[{"intent":"Submit to providers","confidence_score":0.04756169},{"intent":"Provide certification stamp","confidence_score":0.038248222}]},{"text":"I'll do that and stamp it. Yeah. Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all. If you're okay Alright. to at least text through a photo. So I just have to send you a photo of your license. Right? Pretty much.","start_word":2760,"end_word":2818,"intents":[{"intent":"Instruct to submit document","confidence_score":0.00003292626}]},{"text":"to at least text through a photo. So I just have to send you a photo of your license. Right?","start_word":2796,"end_word":2815,"intents":[{"intent":"Request photo of license","confidence_score":0.0047514243}]},{"text":"type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a.","start_word":3020,"end_word":3049,"intents":[{"intent":"Confirm preference for three lines","confidence_score":1.9608484e-7}]},{"text":"type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a. Yep.","start_word":3020,"end_word":3050,"intents":[{"intent":"Instruct to type into multiline","confidence_score":0.033577755}]},{"text":"Copy that. Thank you. Alright.","start_word":3070,"end_word":3074,"intents":[{"intent":"Express gratitude for information","confidence_score":0.0037524907}]},{"text":"There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended. And then this one does require a signature. It's just the the alteration 2638268. Okay. Next document.","start_word":3076,"end_word":3117,"intents":[{"intent":"Obtain a signature","confidence_score":0.0006669125}]},{"text":"Before I let you go, we've basically up the next sort of review and things like that. Is there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then? Yeah.","start_word":3441,"end_word":3502,"intents":[{"intent":"Schedule review","confidence_score":0.18296392}]},{"text":"Just at the moment, just the annual review is okay if I have any problems or issues or anything like that. I just give you the ring and then we organize something as well. Yep.","start_word":3504,"end_word":3538,"intents":[{"intent":"Fix issues","confidence_score":0.0052790735}]},{"text":"Well, just just that that is sent through that update of the my For the credentials. ID?","start_word":3597,"end_word":3613,"intents":[{"intent":"Access credentials","confidence_score":0.2252717}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Steven. Tommy here from Oakview Financial Lane.","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.18775717914104464},{"text":"How Not too bad, mate.","start_word":10,"end_word":14,"sentiment":"positive","sentiment_score":0.40741974115371704},{"text":"Yourself?","start_word":15,"end_word":15,"sentiment":"neutral","sentiment_score":0.25372734665870667},{"text":"I live in the beautiful day on the Gold Coast, and the the boss has brought his dog into the office. So it's brilliant. How are you going?","start_word":16,"end_word":43,"sentiment":"positive","sentiment_score":0.605490505695343},{"text":"No. Nice. Nice. Yeah. No. We've got sun out now. It's been it's been down running for the last two days, but it's coming up. That's the Yeah. Exactly. way. I've got this document to send through you and just update the strategies we were talking about. Now Yes. I just quickly check with you. I'm running into the technical issues with the email server, which will be fixed in about three minutes flat. Do you still Right. have a bit of time for me this afternoon about fifteen minutes? Yes. Yeah. Yeah. Copy. Cool. So what I'll do, I'm just gonna quickly confirm security call recording consent with you, and I'll run through the info with you. It will just take me a minute to get it to your email address. Yep. Can I just confirm your date of birth and address, please? 03/03/1968. 14 Francis Greenway Avenue, Saint Claire, New South Wales 2759. Amazing. And I'm registered adviser 1273105. Are you okay for this call to be recorded? Yeah. I'll be there.","start_word":44,"end_word":217,"sentiment":"neutral","sentiment_score":0.05149674788117409},{"text":"Perfect.","start_word":218,"end_word":218,"sentiment":"positive","sentiment_score":0.34993183612823486},{"text":"So just a quick little recap with what we're doing. We were kind of just doing a few updates on the, like, portfolio and things like that. Main thing for you is we would get your risk level on the super reduced a little bit just because, Right. obviously, you're getting closer to the time and age. We're trying Yep. to bump you down high risk down to something a bit more appropriate. Yep. And the other thing was trimming down the insurances a little bit to be in line with your mortgage and just try and save some premiums. Does that ring a bell? Yes.","start_word":219,"end_word":324,"sentiment":"neutral","sentiment_score":0.04754503071308136},{"text":"Perfect. Perfect.","start_word":325,"end_word":326,"sentiment":"positive","sentiment_score":0.4233930706977844},{"text":"Now for emails today, your Hotmail address there, will you be able to view that with me when I send it through? Yes. Just logging in now.","start_word":327,"end_word":353,"sentiment":"neutral","sentiment_score":0.20031474806644295},{"text":"Perfect. Now just give me a minute.","start_word":354,"end_word":360,"sentiment":"positive","sentiment_score":0.4187571108341217},{"text":"I'm gonna get that pack sent out to you, and I'll let you know once it actually gets through. We've just had to refresh it a couple of times. So Yeah. Yeah. and just while I'm doing that, we've got just in terms of estate planning, the only other little reminder was just to put in place a will or power of attorney when you get a chance just to make Right. sure you've got the full, you know, beneficiary bill, all that kind of thing in place. Just a reminder there because I think we were saying that you didn't have one yet. No. That's right. Yeah. Not yet. Not. Yep. Cool. Outside of that, was there any other areas that you were wanting to focus for the updates, or was it just the the risk and the inferences? Yeah. No. That's all at the moment. Yes. Because Cool. I gotta if I had to run. Say that again. Sorry, mate. Just out for a sec. Yeah. They're gonna reevaluate the provider. It's just a Yes. matter. How we're just gonna get down the risk assessment bits. Yep. Perfect. So what I've basically done, logic behind it in the advice document, is I'm keeping pretty much all the same investments. We're just putting a bit more of the money into the safer investments, a little bit less into the growth assets. What that looks like is a little bit less in the shares, a little bit more in the term deposits, if that Yeah. makes Right. Yes. sense. The quick note was trimming down the insurances. We've got some quotation quotes there to trim down the insurances. That'll save about a thousand bucks. I'll factor that into the projections as well. Okay. The the difference between the high growth portfolio and the growth portfolio going from a five out of five to a four out of five on the risk scale, actually that much different in terms of performance. So I think it was gonna drop your your five year average from 11% down to about 10, which is Yes. still Right.","start_word":361,"end_word":713,"sentiment":"neutral","sentiment_score":0.04050034685878257},{"text":"well and truly above that 9% above that we're aiming for for a benchmark. Yep. I've also included in there just the time and analysis, which just basically shows that you're you're on track still for the retirement goal.","start_word":714,"end_word":752,"sentiment":"positive","sentiment_score":0.4407675266265869},{"text":"I only had you listed at about, you know, $3,500 a week kind of thing if that rings a bell, but you'll well and truly be able to that one. Yeah.","start_word":753,"end_word":783,"sentiment":"neutral","sentiment_score":0.3182348608970642},{"text":"Right. Okay. So, basically, everything was like a resounding success at the moment.","start_word":784,"end_word":796,"sentiment":"positive","sentiment_score":0.6531796455383301},{"text":"And once we get that in place, premiums will go the risk will go down, and then we'll an eye on it every two after that.","start_word":797,"end_word":822,"sentiment":"neutral","sentiment_score":0.3256019651889801},{"text":"Alright. Cool. Now just popping that through to you now. It should come through in the next next thirty seconds or so.","start_word":823,"end_word":844,"sentiment":"positive","sentiment_score":0.39340823888778687},{"text":"And I do see you you have already signed the service agreement, so it should go through to your main pretty quickly. Brian. Okay. Yep. Yeah. Yep. Brian. Alright. No worries. I have signed document opened up. So that opens it up to peruse through with me. And, basically, there's a button there to skip through documents, but I just want you to have a scrub through with me first. K. Copy that. Alright. You should see the beachfront city picture on the Gold Coast on the front page. And I just want you to go through to that pages three four that has scope of advice. No worries. Yep. That may just save me, mate. Yep. Gotcha.","start_word":845,"end_word":962,"sentiment":"neutral","sentiment_score":0.13059431314468384},{"text":"That's all good.","start_word":963,"end_word":965,"sentiment":"positive","sentiment_score":0.44377097487449646},{"text":"Yes. So, again, main scope is the super and the retirement, the insure reduction, give a reminder on the estate planning. The areas that are not considered in this document is, you know, budget, cash through income protection, and trauma insurance. So in terms of doing the additional repayments to the mortgage, to have it off in time for retirement, we're obviously not giving you less on that.","start_word":966,"end_word":1033,"sentiment":"neutral","sentiment_score":0.14662106335163116},{"text":"You're perfectly capable of managing that personally.","start_word":1034,"end_word":1040,"sentiment":"positive","sentiment_score":0.5270208716392517},{"text":"Right. Did talk about revisiting a transition strategy after 60, which is basically focused on the mall for now for the next seven years. And once Yes. you hit 60, we can look at some other contribution strategies that open up when access a portion of your soup. Does that ring a bell? Yes. Yes.","start_word":1041,"end_word":1095,"sentiment":"neutral","sentiment_score":0.07015312828800895},{"text":"Copy. Perfect.","start_word":1096,"end_word":1097,"sentiment":"positive","sentiment_score":0.5520992279052734},{"text":"Now if you have a swing down for me, we're looking at pages sort of eight, nine, 10. There's, like, an use section with details and your assets and liabilities as well. Yeah. Right. Okay. Yes. K. So lead trainer, 110,000. We've got your mobile, your email. Assets is the panel van, the house, and the settings with a bit of mortgage on the property and the granny flat kind of mixed together there. Yeah. Yeah. Cool. Scroll down past that, and as you go past, you'll see your insurance policy there under the current risk portfolio. Pages eleven and twelve, that'll be your risk profile. Right. Oh, okay. Yeah. Right. So again, in terms of sale, it goes conservative, moderate, balanced growth, high growth. We're taking you down from a high growth down to a growth. Right. Basically, Yeah. just one peg at the moment, and then every few years, look at maybe reducing it further. Oh, okay. K? Now if you click over to page 13 on the document or 14 on the Otusign, it'll have a big wall of text there. I apologize. Under strategies. Yeah. Right. Can you see that one there popping up? Yeah. Which one is it? Just after page four name? Yeah. And we've basically got it goes strategy recommendations in a blue thing, and then it's got some tables with advantages and disadvantages in it. Right. Yes. K. So the main thing is by reducing the risk level, we reduce the growth that impacts the performance a little bit. And when we switch investments inside super, there is capital gains tax that's out under the hood, and that's about 100 that comes inside the super by switching the investments around. Now when you get into the sixties and get you into a pension account, all of that becomes tax free in terms of pulling out of super, switching investments all become tax free. At the moment, I have to factor in any fees, brokerage fees, and tax from switching investments around. Right. Now what that kind of means materially for you is if you swing down and going through fifteen, sixteen, and 17, you should start to see some tables pop up blue with a fee comparison. And it's got, like, a current and a ended and a difference there. Yeah. So 1,300 for the capital gains tax inside the super. Invest fees drop a little bit and then percentage based.","start_word":1098,"end_word":1506,"sentiment":"neutral","sentiment_score":0.10643559176939332},{"text":"So your balance grows the more that dollar value saves with the the cheaper investments. And I factored in there the reduced premiums for the insurance as well. Bottom of that table has the five year rolling average, which Yep.","start_word":1507,"end_word":1546,"sentiment":"positive","sentiment_score":0.4361531734466553},{"text":"in terms of the returns, point five three to 10.8. And it's actually not too much of a difference to drop the risk level down a peg in terms of the returns. Yep. K. Updated projections. So if you're on a page 17, we'll have it should say lump sum in five years, lump sum in ten years, and it just gives you an idea about what you're kind of on track for at a Right. Do have the numbers. Sorry. got Yes. a where it's got, like, five year, ten year, and it's got a difference there. So by dropping the risk level down, you basically go from let's say, we're gonna hit 600,000, but you've made $596,000. It's not too much of a difference in a ten year projection. And Broad. then for the return under it, it should say annualized investment returns, 07/31/2026. And it basically just steps at one year, three, five, and 10. You can see they're pretty similar in terms of the returns between each each time period. Yes. Broad. Yes. K? Now what that translate to is, yes, slightly lower because we're chopping you down your growth assets, but still on track for retirement. So the last couple of tables I wanna show you, there's three last ones, is an investments table after that, which, to be honest, is quite figures on there. If you see it, the red heading, blue table, there's a smattering of numbers and percentages under Right. an investments table. Yep. Now, basically, the main thing here is all the numbers in the second last column under the target weights, they're all round figures. 10%, 25, and eight.","start_word":1547,"end_word":1825,"sentiment":"neutral","sentiment_score":0.12572506732410854},{"text":"And what we're doing, we're reducing exposure to the growth assets, but we're also just bringing all of your investments back in line with auto portfolio.","start_word":1826,"end_word":1851,"sentiment":"positive","sentiment_score":0.35198652744293213},{"text":"What Alright. I mean by that is if one of your shares was supposed to be 5% and the other one was 5%, but one's gone at seven and one's gone down four, we're just in the back in line to that 5%. Does that make sense? Yes. Yep.","start_word":1852,"end_word":1900,"sentiment":"neutral","sentiment_score":0.05610121786594391},{"text":"Cool.","start_word":1901,"end_word":1901,"sentiment":"positive","sentiment_score":0.34045693278312683},{"text":"There is only one option that's being sold out, which is some of the international shares because I just can't keep you in with a a six options that are all in shares when we're going down that risk level. Kind of can only keep you in five of those higher risk options. Oh, okay. K? Now what that translates to, you know, I guess, terms is if you go down to can you see that colored pie chart on the next page where it's your asset allocation? Should have, Yeah. like, Yep. red yep. Now the very middle row says growth total, and it's in eighty percent five eighty five. Alright. Basically, if you're in a growth profile, you wanna be average somewhere between 90% growth asset in shares and property instead of 90 to a 100%. You're currently sitting 95. When Okay. we've Yep. popped you down a little bit, you go to 85%. So it's a small adjust to the risk level, drop down about 10%. Right. K. And the last one is the retirement income calculation. So there'll be some blue and green bars there. We've just used the government money smart calculator for that one. Yes. Right. Okay. There's some bold text under it, which basically says, from h onwards, basically popped you down to a conservative return rate because you're not still gonna be a high risk when you're in your sixties. We're just factoring in that we are drop the risk level down. Are you still gonna be track? Right.","start_word":1902,"end_word":2158,"sentiment":"neutral","sentiment_score":0.04540437641136841},{"text":"And, yeah, pretty easy to hit that retirement goal as long as you can smash out that mortgage over the next five to seven years, your super should well and truly be out of support.","start_word":2159,"end_word":2193,"sentiment":"positive","sentiment_score":0.3438708484172821},{"text":"Your income is based on what we've talked about. And Right. if drops, the age pension will will top you back up again as well. Yeah. Right. Okay. What it basically meant is that it'll be able to last well and truly past life expectancy. So when you get to age 85, 90, you're not sitting there with all super wiped out and just living on the age pension, there'll still be something there. Oh, right. Okay. Fair enough. Yep. Yep. Any questions on that so far on the super side of things? No. No. All good so far. Cool. It then segue into the insurance, which should have a strategy there just decreasing the life insurance to 550,000 Yep. from $6.36 that you've currently got. Yeah. Right. Yep. K? Now we do have to keep a close eye on these insurances because going from $7 to $6 in premiums is great. But when you get your anniversary notice, it wouldn't surprise jumped up to $8, and it'll continue to increase pretty quickly. So every time we chat, we're gonna be talking up whether to check the insurances just so it doesn't blow out and the fees are are wiping out the suit, if that makes sense. Yes. Yes.","start_word":2194,"end_word":2402,"sentiment":"neutral","sentiment_score":0.10676304250955582},{"text":"Cool.","start_word":2403,"end_word":2403,"sentiment":"positive","sentiment_score":0.3442274332046509},{"text":"I've attached inside this document pack just an alteration quote. You don't have to go through the application or any forms, anything like that.","start_word":2404,"end_word":2427,"sentiment":"neutral","sentiment_score":0.2478730082511902},{"text":"To reduce it down, it's basically just sign the quote and we're good to go. Alright. Okay. Cool. And then the document pretty much just caps off on why you should have a why you should have attorney, which we don't have to remind you why you should have that in place.","start_word":2428,"end_word":2479,"sentiment":"positive","sentiment_score":0.4384618103504181},{"text":"And it just relists our our services, our fees, and at the bottom there as well.","start_word":2480,"end_word":2495,"sentiment":"neutral","sentiment_score":0.3094233572483063},{"text":"Yep. Basically, to implement everything, it's straightforward. I've included the authority to at the bottom of this document, which once you sign that, we can go and change the investments on your account.","start_word":2496,"end_word":2528,"sentiment":"positive","sentiment_score":0.3792994916439056},{"text":"Once you sign the reduction quote, we can send that off to Tal.","start_word":2529,"end_word":2541,"sentiment":"neutral","sentiment_score":0.3057635724544525},{"text":"They'll action that and give you a refund.","start_word":2542,"end_word":2549,"sentiment":"positive","sentiment_score":0.35002419352531433},{"text":"Alright. I was going to send possibly some beneficiary forms through to you just to make sure that's there. But I think yours is in place okay. Yes. But I'll send you a message if we need to update that. Okay. K. I'm just gonna check your ID on file. The government has updated head to your money laws, and we just need to know that if we're gonna implement the device that we do have updated ID on file. And just open your current ID that you've got just to see the expiry here for a second, which is in territory. I've actually not really as much before, I must say. Just trying to the expiry date. I do apologize, mate. It's got the the numbers backwards here. There we go. May 26. So I might need to flick you a link just to get the updated ID to submit along with it. Is that okay? Okay. Yep. Yep. Basically, you just we get a stamp a certified stamp on it, and then we can submit that to the providers. And that way, they can they can approve it. Certified stamp from where? So I do the certification. Basically, we Right. just get a bit of your ID. I'll do that and stamp it. Yeah. Don't have to go to a JP or a roommate where where qualified with the government to try your ID, so that's no trouble at all. If you're okay Alright. to at least text through a photo. So I just have to send you a photo of your license. Right? Pretty much. Yeah. Front and back nice and clear if you can. Otherwise, they tend to go can't see those writing on there. We'll have to reject it. Yeah. Yeah. No. It's alright.","start_word":2550,"end_word":2848,"sentiment":"neutral","sentiment_score":0.06267291156693446},{"text":"Sensational. Nice and easy there.","start_word":2849,"end_word":2853,"sentiment":"positive","sentiment_score":0.504870593547821},{"text":"Drop the risk. Drop the premiums. Keep an eye on things together. Any questions on your That's your 25, mate.","start_word":2854,"end_word":2873,"sentiment":"neutral","sentiment_score":0.17574889957904816},{"text":"Cool.","start_word":2874,"end_word":2874,"sentiment":"positive","sentiment_score":0.36423105001449585},{"text":"Alrighty. When you're comfortable with this one, there's three documents. That statement of advice at the bottom has, like, a a start button to sign the authority to proceed. Yeah. I can document just in a yes, please. If you could, it'll kind of stamp your signature name and sorry. Date on that. If you feel more comfortable, you can pull a signature by clicking on it, but we don't require you to do that. Yeah. Right. And if you can, Yeah. if Just that's Yep. Yep. Go for it. what was in that multi line? Yes. So can you the paragraphs of writing of it? Yeah. Basically, what it says top one is you're okay to implement all of the advice. The Yep. second one is if you would like to vary the advice and not implement all of it, you can actually Alright. type into the multiline. I don't wish to go ahead with this. I wish to go ahead with that instead. If you're happy with the thing, just type in a. Yep. Twenty months. Sorry. Like, n a for me? Like, m Yeah. slash Can I a would be Yeah?","start_word":2875,"end_word":3068,"sentiment":"neutral","sentiment_score":0.036113325506448746},{"text":"fantastic. Copy that. Thank you.","start_word":3069,"end_word":3073,"sentiment":"positive","sentiment_score":0.4629525542259216},{"text":"Alright. There's no signature on this document because that is an appendix with some on there and some links to the different funds that we've recommended. And then this one does require a signature. It's just the the alteration 2638268. Okay. Next document. quote. Yes, please. Okay. Just scroll down to the bottom of it. Yeah. Oh, If I just that got is the again? blue one, you can just skip document. It's just got Yeah. the research in there. Yeah. So we've got that t I l now. Yes. That's the one. Green Right. t a l. Yep. It's basically page one, two, three. The fourth page has signature spots, and those two pages have the the quote Alright. Okay. It's coming up. Yes. answers. No. Download that. It's sent. Yes, please. And it will take a few seconds to load. You'll have a spinning circle once you validate it and ask you if you wanna download copy for your records. Oh, okay. And I'll just for a minute to see if that comes through alright on my end. Yeah. It's still loading. Yeah. There are they can be those ones. Thankfully, I don't have 15 documents on because sometimes it takes about seven minutes for those. This one's short and sweet, so it shouldn't be too long. Yes. Oh, okay. Fair Unless there's some Internet slowage down your end made, enough. they're K. usually pretty Downloaded.","start_word":3074,"end_word":3311,"sentiment":"neutral","sentiment_score":0.009750966843561968},{"text":"good. Beautiful. You'll get the solid document they mailed to me.","start_word":3312,"end_word":3322,"sentiment":"positive","sentiment_score":0.5006952881813049},{"text":"Yeah. Okay. And just out of curiosity, this was actually a, like, a custom built system that we've got. So all of your detail, you've got, like, client profile with us, and it's all of your your points together on LinkedIn with this document system. Was that okay to use? Is it pretty user friendly? Any I can pass off to the to you Yeah. guys? No.","start_word":3323,"end_word":3389,"sentiment":"neutral","sentiment_score":0.11334676295518877},{"text":"It was good.","start_word":3390,"end_word":3392,"sentiment":"positive","sentiment_score":0.3630295991897583},{"text":"Yeah.","start_word":3393,"end_word":3393,"sentiment":"neutral","sentiment_score":0.2911977767944336},{"text":"Easy to use.","start_word":3394,"end_word":3396,"sentiment":"positive","sentiment_score":0.4706723392009735},{"text":"All I had to do was prep prep on the link there and the way it went.","start_word":3397,"end_word":3413,"sentiment":"neutral","sentiment_score":0.13778357207775116},{"text":"Which Beautiful. was good. Yeah. And that's come through my end too. So thank you so much for that. Really appreciate it.","start_word":3414,"end_word":3435,"sentiment":"positive","sentiment_score":0.625345766544342},{"text":"Not a problem.","start_word":3436,"end_word":3438,"sentiment":"neutral","sentiment_score":0.26689329743385315},{"text":"Awesome, Steve.","start_word":3439,"end_word":3440,"sentiment":"positive","sentiment_score":0.41496118903160095},{"text":"Before I let you go, we've basically up the next sort of review and things like that. Is there a bit of a catch up frequency you would like me to note down just to catch up every sort of three, six months, or would you prefer just to wait for the annual view and see how things are going then? Yeah. Yeah. Just at the moment, just the annual review is okay if I have any problems or issues or anything like that. I just give you the ring and then we organize something as well. Yep. Looks okay for you.","start_word":3441,"end_word":3542,"sentiment":"neutral","sentiment_score":0.1037239283323288},{"text":"Yes. Perfect.","start_word":3543,"end_word":3544,"sentiment":"positive","sentiment_score":0.4211686551570892},{"text":"Alright. I'll make sure that's in the system there as well.","start_word":3545,"end_word":3555,"sentiment":"neutral","sentiment_score":0.26269373297691345},{"text":"And, mate, we're good to go.","start_word":3556,"end_word":3561,"sentiment":"positive","sentiment_score":0.3589003086090088},{"text":"I'll get this fixed up for you because it is Wednesday today. Should be able to get all this submitted either by the end of the week or early next week. Yep. Not a problem. Well, just just that that is sent through that update of the my For the credentials. ID? Oh, there you go. Yeah. I can access that right this second, but I'll get that texted through you hopefully within an hour or so. Oh, no. That's fine, mate. Yeah. No dramas. Cool.","start_word":3562,"end_word":3647,"sentiment":"neutral","sentiment_score":0.13403509557247162},{"text":"Awesome.","start_word":3648,"end_word":3648,"sentiment":"positive","sentiment_score":0.3826906681060791},{"text":"Alrighty, mate. Anything else I can help you with before I let you go? No. All pretty good. All pretty good.","start_word":3649,"end_word":3669,"sentiment":"neutral","sentiment_score":0.1938565969467163},{"text":"Awesome, Steven. Look, I really do appreciate, honestly, mate, touching base with us and jumping on with me.","start_word":3670,"end_word":3687,"sentiment":"positive","sentiment_score":0.4068440794944763},{"text":"Sometimes it can be a bit of an position when you're busy, but just that, you know, fifteen minutes here and there can really help make things moving. And so that way, things won't sit there for too long in the wrong spot. No. No. Exactly. Yeah. No. You want things to keep on moving. And especially given the way that it is at the moment, they're changing pretty quickly.","start_word":3688,"end_word":3757,"sentiment":"neutral","sentiment_score":0.047586065850087574},{"text":"And the worst thing is if we just can't get in touch with people and we can't change anything, it's a bit hard to make sure you're on the spot.","start_word":3758,"end_word":3787,"sentiment":"negative","sentiment_score":-0.45462319254875183},{"text":"Yeah. That's right.","start_word":3788,"end_word":3790,"sentiment":"neutral","sentiment_score":0.24281229078769684},{"text":"Exactly. Awesome, mate. Thank you so much time again, and I look forward to chatting to you again. Not a problem. Thank you very much. Right? Cheers, mate. Bye.","start_word":3791,"end_word":3819,"sentiment":"positive","sentiment_score":0.7113369703292847},{"text":"Bye bye.","start_word":3820,"end_word":3821,"sentiment":"neutral","sentiment_score":0.20631614327430725}],"average":{"sentiment":"neutral","sentiment_score":0.12466870583051907}}}}