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I'm just giving you a call to go through your annual review if you still got a minute. Fantastic. So I've got a bit of a email pack to send through to you. Before I do that, I'm just gonna do a quick security check with you. Mate, are you okay for the call to be recorded today? Amazing. And just for the security of your info, I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth and address? Fantastic. Thank you very much for doing that. Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today. I'm gonna pop through this email to your Hotmail address. Will you be able to access the documents with me today? Perfect. So I'm gonna pop this through now. It should come through pretty quickly. If it is your first time with our new system, it may go to your spam folder. So just have a little double check of both for me. And, mate, while you're doing that, anything in particular you're hoping to get out of this year's review? Yeah. Just a bit of a general update given everything that's going on in the world. Perfect. So just to let you know what's come through is our new auto sign system that we kind of custom built for ourselves. It gives you attachments down the bottom like any other email, which is things like your financial services guide, updated licensee information, complaints procedure, and privacy. And we've also got a bit of a assign now link, which will take you through the annual review pack. If you can just click on that one for me and just let me know once the first document pops up, we'll kinda just run through that together. Yep. So if you hit that, it'll basically ask for consent and then bring up all of the review documents. And what we're gonna do is not gonna sign anything right now. We're just gonna have a scroll through together and make sure you're comfortable with everything first. Perfect. Perfect. So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today. Do you usually log in to your Netwealth super frequently? Yep. So I really wanted to start there because there was a change on your account that we made a couple of months ago, which has kind of just kind of righted the course a little bit. So if you can have a scroll down for me, past the super summary, you'll see a Netwealth asset performance document. I don't know if you can make out the figures in that table for me. Yep. Perfect. So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do. So as a bit of an update, a year ago, you were sitting at about 128,000. You had about $10 worth of contributions clear the account after taxes because you're doing a bit of salary sacrifice still, I believe. You got about 200 a month. Now beyond that change, we had most of the investments on that table. If you look at the right hand side, very right hand column, you'll see a return percentage. Now you can see the first one there has got the minus 17, and the rest of them are all in positive figures, three, six, 99, ten ten, seventeen, eighty two. They've all pretty much had huge returns across, you know, gold, shares, different asset classes. That one Australian shares option at the top was having a bit of a dive a bit quicker than the rest of the market because the market dropped in February and March. This one went down a little bit faster than the other options, if that makes sense. So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to sign off on it. Just in this particular case, because of some issues we discovered with the fund manager themselves, we didn't believe that it was gonna kind of catch back up to the rest of the pack. So our investment committee made a decision across all clients to divest you from that option and switch you across into a lower fee option with better performance. So that's the one directly underneath it, which has only been going for a couple of months here, but you can see underneath the Bennelong option, you can see beta shares Australia 200, and that's the one that's just jumped up almost 4% in the last six weeks. So what I was going to do today was basically, again, talk about divesting from that option, but we've already done that because we found it important enough to to kind of jump ahead and do it before any further concerns arose. Now what that kind of means for you is, like I mentioned, you were sitting in a 128,000. You had just over 10 of contributions clear after tax, and you've had a return for the year of about 13,000 just under 10% after fees. So that's kind of put you back on track with the benchmark that we're aiming for, which is at nine to 10%. Cool. So does that make sense? Like, it's kind of one option was dropping. We switched that out. It's all jumped back up pretty positive for the year, and you've cleared a bit more in returns than what you've put in in contributions. Yep. So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good. They're all doing their thing. They're all performing and behaving as I would expect. The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy. Yeah. Yeah. And when it comes to retirement, are you aiming for that kind of earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by age pension of 60 seven? Yeah. Okay. Awesome. So then it makes sense to keep you in a pretty high growth approach with that kind of 80 to 90 in growth assets, your shares, and your property, and your gold to try and get the high long term returns. If we can get a bulk of returns and contributions over the next ten years, we can try and build you up to that kind of $3,400,000 mark, and then it kind of takes off pretty quickly from then to that kind of $6.07, 800,000. But then you've got a balanced risk at the end, like you said. So 40 to 50, you can go quite heavy into growth. In those last ten years, we need to slowly reduce the risk level down because high growth is recommended if you've got a decade plus. Once you start hitting that seven, eight years, we should probably start trimming it down from, say, 90%, eighty, seventy, 60, fifty, forty gradually over that last decade into pension phase in the sixties. Perfect. So what that basically means is it's gonna jump up and down double digits. And because you've built this base of a 150, any year, it's gonna be going up and down ten to thirty thousand while it's in high growth contributions going in until we can slow it down towards the end. K? So if you're comfortable with that, I think we've kind of got it in a good place now. Does the 200 a month make sense still for you in terms of a cash flow perspective? Yeah. Are you still comfortable with that amount given your other goals to sort of save and purchase a house and things like that? Mhmm. Yeah. Yeah. You get the budget under control first and and work on this new move. Yeah. And one of the things that it's gonna happen twice between now and retirement is there's gonna be that global financial crisis style crash at some point where we're gonna kind of for the first decade, if we do find that every asset class goes down at the same time, we can't control that level of weather, and we can also just chuck you in cash and then mistime getting back in. But what we will do is if there's any double digit drops where the whole world melts down, we're gonna basically use that as a buying opportunity to pick up the best assets possible for when it goes back up. In the second phase, it'll be about, okay, if we've had a 15% return, let's reduce your risk level down ahead of time because we're ahead of the curve. So very conscious of it. My job with the team and the investment committee is to make sure everything in the portfolio is good quality. And if there's a major concern with one type, that we do look at switching it when it's appropriate. Perfect. Perfect. So in terms of just updating a quick few details there, you mentioned that you moved in with your partner. Was this a home purchase together? Yep. Okay. Yeah. Gotcha. Yeah. So at the moment, your priority is just kind of building the savings. Perfect. So assets and liabilities wise, I think we just had noted down previously car, credit card. Is there, like, an estimated savings amount I can put down on your file? Yep. Perfect. Alrighty. Sorry, mate. You go. Yes. Yep. Perfect. And then you'll build up a separate amount to the side. Yep. Perfect. So any other assets or loans or liabilities that I need to add? Perfect. Fantastic. So I'll leave the salary sacrifice as it is. But in terms of cash flow, I think we had you working in sort of hotel tourism on about 60,000. Is that still correct? Yep. That'd be handy. No worries. Oh, and Kevin, while you're doing that, is it still Munhill Apartments? Yep. Same employer. The branding and and such. Yep. Yeah. And because we're only about a week off financial year, if it says financial year to date, I can kind of gulf that a little bit. So financial year to date, $38. And it's kind of full time. Uh-huh. Yes. Okay. So the financial year to date, would that be less than 60 then? And then when you go back full time, might be about 70 7 dollars. Yep. K. So I might put in, like, 50 for the time being, and I'll put that in as sort of part time. Or would it be less, you think, 45? Yep. 40 5. And then we'll say the bounce up will probably be seven years, 75 k, but we'll confirm that at the next review. Yeah. So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice. We don't need to change anything there for the next month or so. Yep. Yeah. You can stop it at any time. Drop it. Yeah. And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside? Ad hoc. Yep. Alright. So I've got that in for the income, assets, and liabilities. Just a quick extra question that's a bit different is you've never gone through any kind of bankruptcy or part nine debt agreements before, have you? Perfect. Did you end up getting a will in place for the estate plan put together? The beneficiary. Yep. Yeah. Perfect. And just remember with those ones is you can choose whether it the the most standard is a nonlapsing binding, so it doesn't expire, or you can make it a lapsing, so it expires every three years. And binding just means it's legally binding, and the super fund has to do it. Can I just note down, are you do you know who you're gonna nominate? Okay. Can I just take down your partner's name? Are you guys de facto or married? De facto. Cool. Can I just note down her name for the file? I don't need any other details, but that's so you can put that on to the beneficiary form. Okay. Is that c a r o l I n e? Yep. Yeah. Is it one of those Scottish a u g h at the end or something? No. You're totally fine. I'm just updating a few things on our systems while you do that, so please take your time. E, double l, with one n. Perfect. Got it there. Thank you very much for that, Kevin. If you had run into any trouble filling in that form, please just call the office number. The team can walk you through it very, very quickly. But like I said, you basically just take, you know, some lapsing binding, put in her details, get it witnessed by two people who aren't your beneficiary because it is a legal document, and then you're pretty well good to go. Alrighty. Last couple of things to check is so the beneficiary that's getting sorted, I don't believe you've got any, like, insurances in place at the moment and you're on work cover. So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is. Yeah. I may need to revisit that once you're off work cover because they don't normally offer the the insurances until that's finalized. And then so I might even pencil in. Do you want me to do a catch up before Christmas or just at the next annual review to kind of run through the medical and the quotes and the ideas there? Yep. Easy done. And do you want any other catch ups in between just as a bit of a touchpoint, or are you okay just to kind of log in every now and then and course if anything emergency pops up? Yep. No worries at all. Alright, Kevin. So that's pretty much all the areas I wanted to cover. Is there anything in particular that you would like to discuss before we finish up? Perfect. So in that email that I've sent you, when you scroll through those last couple of documents, beyond your net wealth performance chart, there's a bit of a vanguard chart, which is just how markets work. The documents below that, so there is a advice fee consent to remain advisers on the account. We're still charging the 1.65% at the moment, but we are working on a bit of a tiered fee structure coming in. So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point. Okay? So you'll pretty much get close to that point between now and the next review. And then for that next agreement, you should benefit from the new structure, which would be really handy. Outside of that, we've included a couple of extra little documents today. We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide. Perfect. Do you have any questions for me about any of those documents? Cool, Kevin. So I'll leave that with you. If you could just click through. When you go to sign the documents, it'll stamp signatures and dates on there as you click the buttons. But if you would like to draw it on there, you can click on the signature and actually draw it like your license. Whatever your preference is, Netwealth doesn't really have an issue with digital authorization. Yep. And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually pull you to those spots. And then at the end, once they're all done, there'll be a a validation button at the bottom, and that'll basically send signed copy for both of us, and you'll be able to download a signed copy for your records too. Yeah. Perfect. And then if you just hit validate at the bottom, that should come through to yeah. Sometimes it takes a minute to load. I do apologize. And then it does the old validation circle spinning in a pop up. Alright. And then I don't know if you're trying it on the phone or the computer, but yep. Alright. And then I'm just having a bit of a refresh on the back end system here. Can you let me know once you've hit the validate button or if it's finished loading? Oh, yep. Perfect. Sometimes those mobile networks can be quite fast. Sometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty good. And with the just while that's loading, Kevin, the beneficiaries that we sent through to you, is that ones that you've printed out, or was it like a postage with a return envelope? Perfect. So when that comes through, the return envelope, I believe, should be back to us. That's come through green. Thank you very much for doing that, Kevin. And then we'll get that back, and we'll submit that to Netwealth pretty quickly. Alrighty, sir. Everything's looking pretty good. Any last questions for me before I let you go? Awesome. Let's hope that the news settles down for the second half of the year. Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up. Alright. Have a fantastic week. Anything at all, please just give us a call. Thank you, sir. 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Oakview Financial. Kevin, good afternoon, sir. It's Tommy here, senior adviser from Oakview. How are you going? Good to hear.\n\nGood to hear. I'm just giving you a call to go through your annual review if you still got a minute. Fantastic. So I've got a bit of a email pack to send through to you. Before I do that, I'm just gonna do a quick security check with you.\n\nMate, are you okay for the call to be recorded today? Amazing. And just for the security of your info, I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth and address? Fantastic.\n\nThank you very much for doing that. Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today. I'm gonna pop through this email to your Hotmail address. Will you be able to access the documents with me today? Perfect.\n\nSo I'm gonna pop this through now. It should come through pretty quickly. If it is your first time with our new system, it may go to your spam folder. So just have a little double check of both for me. And, mate, while you're doing that, anything in particular you're hoping to get out of this year's review?\n\nYeah. Just a bit of a general update given everything that's going on in the world. Perfect. So just to let you know what's come through is our new auto sign system that we kind of custom built for ourselves. It gives you attachments down the bottom like any other email, which is things like your financial services guide, updated licensee information, complaints procedure, and privacy.\n\nAnd we've also got a bit of a assign now link, which will take you through the annual review pack. If you can just click on that one for me and just let me know once the first document pops up, we'll kinda just run through that together. Yep. So if you hit that, it'll basically ask for consent and then bring up all of the review documents. And what we're gonna do is not gonna sign anything right now.\n\nWe're just gonna have a scroll through together and make sure you're comfortable with everything first. Perfect. Perfect. So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today. Do you usually log in to your Netwealth super frequently?\n\nYep. So I really wanted to start there because there was a change on your account that we made a couple of months ago, which has kind of just kind of righted the course a little bit. So if you can have a scroll down for me, past the super summary, you'll see a Netwealth asset performance document. I don't know if you can make out the figures in that table for me. Yep.\n\nPerfect. So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do. So as a bit of an update, a year ago, you were sitting at about 128,000. You had about $10 worth of contributions clear the account after taxes because you're doing a bit of salary sacrifice still, I believe. You got about 200 a month.\n\nNow beyond that change, we had most of the investments on that table. If you look at the right hand side, very right hand column, you'll see a return percentage. Now you can see the first one there has got the minus 17, and the rest of them are all in positive figures, three, six, 99, ten ten, seventeen, eighty two. They've all pretty much had huge returns across, you know, gold, shares, different asset classes. That one Australian shares option at the top was having a bit of a dive a bit quicker than the rest of the market because the market dropped in February and March.\n\nThis one went down a little bit faster than the other options, if that makes sense. So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to sign off on it. Just in this particular case, because of some issues we discovered with the fund manager themselves, we didn't believe that it was gonna kind of catch back up to the rest of the pack. So our investment committee made a decision across all clients to divest you from that option and switch you across into a lower fee option with better performance.\n\nSo that's the one directly underneath it, which has only been going for a couple of months here, but you can see underneath the Bennelong option, you can see beta shares Australia 200, and that's the one that's just jumped up almost 4% in the last six weeks. So what I was going to do today was basically, again, talk about divesting from that option, but we've already done that because we found it important enough to to kind of jump ahead and do it before any further concerns arose. Now what that kind of means for you is, like I mentioned, you were sitting in a 128,000. You had just over 10 of contributions clear after tax, and you've had a return for the year of about 13,000 just under 10% after fees. So that's kind of put you back on track with the benchmark that we're aiming for, which is at nine to 10%.\n\nCool. So does that make sense? Like, it's kind of one option was dropping. We switched that out. It's all jumped back up pretty positive for the year, and you've cleared a bit more in returns than what you've put in in contributions.\n\nYep. So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good. They're all doing their thing. They're all performing and behaving as I would expect. The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy.\n\nYeah. Yeah. And when it comes to retirement, are you aiming for that kind of earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by age pension of 60 seven? Yeah. Okay.\n\nAwesome. So then it makes sense to keep you in a pretty high growth approach with that kind of 80 to 90 in growth assets, your shares, and your property, and your gold to try and get the high long term returns. If we can get a bulk of returns and contributions over the next ten years, we can try and build you up to that kind of $3,400,000 mark, and then it kind of takes off pretty quickly from then to that kind of $6.07, 800,000. But then you've got a balanced risk at the end, like you said. So 40 to 50, you can go quite heavy into growth.\n\nIn those last ten years, we need to slowly reduce the risk level down because high growth is recommended if you've got a decade plus. Once you start hitting that seven, eight years, we should probably start trimming it down from, say, 90%, eighty, seventy, 60, fifty, forty gradually over that last decade into pension phase in the sixties. Perfect. So what that basically means is it's gonna jump up and down double digits. And because you've built this base of a 150, any year, it's gonna be going up and down ten to thirty thousand while it's in high growth contributions going in until we can slow it down towards the end.\n\nK? So if you're comfortable with that, I think we've kind of got it in a good place now. Does the 200 a month make sense still for you in terms of a cash flow perspective? Yeah. Are you still comfortable with that amount given your other goals to sort of save and purchase a house and things like that?\n\nMhmm. Yeah. Yeah. You get the budget under control first and and work on this new move. Yeah.\n\nAnd one of the things that it's gonna happen twice between now and retirement is there's gonna be that global financial crisis style crash at some point where we're gonna kind of for the first decade, if we do find that every asset class goes down at the same time, we can't control that level of weather, and we can also just chuck you in cash and then mistime getting back in. But what we will do is if there's any double digit drops where the whole world melts down, we're gonna basically use that as a buying opportunity to pick up the best assets possible for when it goes back up. In the second phase, it'll be about, okay, if we've had a 15% return, let's reduce your risk level down ahead of time because we're ahead of the curve. So very conscious of it. My job with the team and the investment committee is to make sure everything in the portfolio is good quality.\n\nAnd if there's a major concern with one type, that we do look at switching it when it's appropriate. Perfect. Perfect. So in terms of just updating a quick few details there, you mentioned that you moved in with your partner. Was this a home purchase together?\n\nYep. Okay. Yeah. Gotcha. Yeah.\n\nSo at the moment, your priority is just kind of building the savings. Perfect. So assets and liabilities wise, I think we just had noted down previously car, credit card. Is there, like, an estimated savings amount I can put down on your file? Yep.\n\nPerfect. Alrighty. Sorry, mate. You go. Yes.\n\nYep. Perfect. And then you'll build up a separate amount to the side. Yep. Perfect.\n\nSo any other assets or loans or liabilities that I need to add? Perfect. Fantastic. So I'll leave the salary sacrifice as it is. But in terms of cash flow, I think we had you working in sort of hotel tourism on about 60,000.\n\nIs that still correct? Yep. That'd be handy. No worries. Oh, and Kevin, while you're doing that, is it still Munhill Apartments?\n\nYep. Same employer. The branding and and such. Yep. Yeah.\n\nAnd because we're only about a week off financial year, if it says financial year to date, I can kind of gulf that a little bit. So financial year to date, $38. And it's kind of full time. Uh-huh. Yes.\n\nOkay. So the financial year to date, would that be less than 60 then? And then when you go back full time, might be about 70 7 dollars. Yep. K.\n\nSo I might put in, like, 50 for the time being, and I'll put that in as sort of part time. Or would it be less, you think, 45? Yep. 40 5. And then we'll say the bounce up will probably be seven years, 75 k, but we'll confirm that at the next review.\n\nYeah. So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice. We don't need to change anything there for the next month or so. Yep. Yeah.\n\nYou can stop it at any time. Drop it. Yeah. And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside? Ad hoc.\n\nYep. Alright. So I've got that in for the income, assets, and liabilities. Just a quick extra question that's a bit different is you've never gone through any kind of bankruptcy or part nine debt agreements before, have you? Perfect.\n\nDid you end up getting a will in place for the estate plan put together? The beneficiary. Yep. Yeah. Perfect.\n\nAnd just remember with those ones is you can choose whether it the the most standard is a nonlapsing binding, so it doesn't expire, or you can make it a lapsing, so it expires every three years. And binding just means it's legally binding, and the super fund has to do it. Can I just note down, are you do you know who you're gonna nominate? Okay. Can I just take down your partner's name?\n\nAre you guys de facto or married? De facto. Cool. Can I just note down her name for the file? I don't need any other details, but that's so you can put that on to the beneficiary form.\n\nOkay. Is that c a r o l I n e? Yep. Yeah. Is it one of those Scottish a u g h at the end or something?\n\nNo. You're totally fine. I'm just updating a few things on our systems while you do that, so please take your time. E, double l, with one n. Perfect.\n\nGot it there. Thank you very much for that, Kevin. If you had run into any trouble filling in that form, please just call the office number. The team can walk you through it very, very quickly. But like I said, you basically just take, you know, some lapsing binding, put in her details, get it witnessed by two people who aren't your beneficiary because it is a legal document, and then you're pretty well good to go.\n\nAlrighty. Last couple of things to check is so the beneficiary that's getting sorted, I don't believe you've got any, like, insurances in place at the moment and you're on work cover. So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is. Yeah. I may need to revisit that once you're off work cover because they don't normally offer the the insurances until that's finalized.\n\nAnd then so I might even pencil in. Do you want me to do a catch up before Christmas or just at the next annual review to kind of run through the medical and the quotes and the ideas there? Yep. Easy done. And do you want any other catch ups in between just as a bit of a touchpoint, or are you okay just to kind of log in every now and then and course if anything emergency pops up?\n\nYep. No worries at all. Alright, Kevin. So that's pretty much all the areas I wanted to cover. Is there anything in particular that you would like to discuss before we finish up?\n\nPerfect. So in that email that I've sent you, when you scroll through those last couple of documents, beyond your net wealth performance chart, there's a bit of a vanguard chart, which is just how markets work. The documents below that, so there is a advice fee consent to remain advisers on the account. We're still charging the 1.65% at the moment, but we are working on a bit of a tiered fee structure coming in. So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point.\n\nOkay? So you'll pretty much get close to that point between now and the next review. And then for that next agreement, you should benefit from the new structure, which would be really handy. Outside of that, we've included a couple of extra little documents today. We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide.\n\nPerfect. Do you have any questions for me about any of those documents? Cool, Kevin. So I'll leave that with you. If you could just click through.\n\nWhen you go to sign the documents, it'll stamp signatures and dates on there as you click the buttons. But if you would like to draw it on there, you can click on the signature and actually draw it like your license. Whatever your preference is, Netwealth doesn't really have an issue with digital authorization. Yep. And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually pull you to those spots.\n\nAnd then at the end, once they're all done, there'll be a a validation button at the bottom, and that'll basically send signed copy for both of us, and you'll be able to download a signed copy for your records too. Yeah. Perfect. And then if you just hit validate at the bottom, that should come through to yeah. Sometimes it takes a minute to load.\n\nI do apologize. And then it does the old validation circle spinning in a pop up. Alright. And then I don't know if you're trying it on the phone or the computer, but yep. Alright.\n\nAnd then I'm just having a bit of a refresh on the back end system here. Can you let me know once you've hit the validate button or if it's finished loading? Oh, yep. Perfect. Sometimes those mobile networks can be quite fast.\n\nSometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty good. And with the just while that's loading, Kevin, the beneficiaries that we sent through to you, is that ones that you've printed out, or was it like a postage with a return envelope? Perfect. So when that comes through, the return envelope, I believe, should be back to us. That's come through green.\n\nThank you very much for doing that, Kevin. And then we'll get that back, and we'll submit that to Netwealth pretty quickly. Alrighty, sir. Everything's looking pretty good. Any last questions for me before I let you go?\n\nAwesome. Let's hope that the news settles down for the second half of the year. Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up. Alright. Have a fantastic week.\n\nAnything at all, please just give us a call. Thank you, sir. Bye.","paragraphs":[{"sentences":[{"text":"Tommy, Oakview Financial.","start":6.3999996,"end":8.02,"sentiment":"neutral","sentiment_score":0.030050161605079968},{"text":"Kevin, good afternoon, sir.","start":20.335,"end":21.695,"sentiment":"neutral","sentiment_score":0.24280227720737457},{"text":"It's Tommy here, senior adviser from Oakview.","start":21.695,"end":23.875,"sentiment":"neutral","sentiment_score":0.15934808339391435},{"text":"How are you going?","start":23.935001,"end":24.915,"sentiment":"neutral","sentiment_score":0.1720283143222332},{"text":"Good to hear.","start":26.88,"end":27.359999,"sentiment":"positive","sentiment_score":0.5608223477999369}],"sentiment":"neutral","sentiment_score":0.21654173705194676,"num_words":21,"start":6.3999996,"end":27.359999},{"sentences":[{"text":"Good to hear.","start":27.359999,"end":27.839998,"sentiment":"positive","sentiment_score":0.4621454377969106},{"text":"I'm just giving you a call to go through your annual review if you still got a minute.","start":27.839998,"end":30.98,"sentiment":"neutral","sentiment_score":0.15478672252760994},{"text":"Fantastic.","start":32.8,"end":33.28,"sentiment":"positive","sentiment_score":0.5817352533340454},{"text":"So I've got a bit of a email pack to send through to you.","start":33.28,"end":36.0,"sentiment":"neutral","sentiment_score":0.2366809163774763},{"text":"Before I do that, I'm just gonna do a quick security check with you.","start":36.0,"end":39.855,"sentiment":"neutral","sentiment_score":0.15296616405248642}],"sentiment":"neutral","sentiment_score":0.20418783396482468,"num_words":50,"start":27.359999,"end":39.855},{"sentences":[{"text":"Mate, are you okay for the call to be recorded today?","start":40.095,"end":42.274998,"sentiment":"neutral","sentiment_score":0.07435601814226671},{"text":"Amazing.","start":44.495,"end":44.995,"sentiment":"positive","sentiment_score":0.4850316047668457},{"text":"And just for the security of your info, I'm registered with Asica's adviser 1273105.","start":45.135,"end":51.215,"sentiment":"neutral","sentiment_score":0.15841531434229442},{"text":"Could you please confirm your date of birth and address?","start":51.215,"end":53.715,"sentiment":"neutral","sentiment_score":0.05645516403019428},{"text":"Fantastic.","start":62.78,"end":63.28,"sentiment":"positive","sentiment_score":0.5518649816513062}],"sentiment":"neutral","sentiment_score":0.12532915748857162,"num_words":37,"start":40.095,"end":63.28},{"sentences":[{"text":"Thank you very much for doing that.","start":63.5,"end":65.42,"sentiment":"positive","sentiment_score":0.6482162475585938},{"text":"Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today.","start":65.42,"end":74.955,"sentiment":"neutral","sentiment_score":0.12032632138580084},{"text":"I'm gonna pop through this email to your Hotmail address.","start":75.655,"end":78.795,"sentiment":"neutral","sentiment_score":0.057996033877134326},{"text":"Will you be able to access the documents with me today?","start":79.095,"end":81.63,"sentiment":"neutral","sentiment_score":0.049247138032859024},{"text":"Perfect.","start":83.31,"end":83.63,"sentiment":"neutral","sentiment_score":0.2677679657936096}],"sentiment":"neutral","sentiment_score":0.15565236827925497,"num_words":69,"start":63.5,"end":83.63},{"sentences":[{"text":"So I'm gonna pop this through now.","start":83.63,"end":85.149994,"sentiment":"neutral","sentiment_score":0.18069044181278773},{"text":"It should come through pretty quickly.","start":85.149994,"end":86.85,"sentiment":"neutral","sentiment_score":0.2017716591556867},{"text":"If it is your first time with our new system, it may go to your spam folder.","start":87.31,"end":91.17,"sentiment":"neutral","sentiment_score":-0.04332782525350066},{"text":"So just have a little double check of both for me.","start":91.229996,"end":93.81,"sentiment":"neutral","sentiment_score":0.04504260454665531},{"text":"And, mate, while you're doing that, anything in particular you're hoping to get out of this year's review?","start":94.064995,"end":98.645,"sentiment":"neutral","sentiment_score":0.023146497499611642}],"sentiment":"neutral","sentiment_score":0.04493212920881934,"num_words":59,"start":83.63,"end":98.645},{"sentences":[{"text":"Yeah.","start":106.71999,"end":106.96,"sentiment":"neutral","sentiment_score":0.012854748405516148},{"text":"Just a bit of a general update given everything that's going on in the world.","start":106.96,"end":110.34,"sentiment":"neutral","sentiment_score":0.025015330128371715},{"text":"Perfect.","start":115.759995,"end":116.24,"sentiment":"neutral","sentiment_score":0.2762810289859772},{"text":"So just to let you know what's come through is our new auto sign system that we kind of custom built for ourselves.","start":116.24,"end":122.064995,"sentiment":"neutral","sentiment_score":0.12949688667836395},{"text":"It gives you attachments down the bottom like any other email, which is things like your financial services guide, updated licensee information, complaints procedure, and privacy.","start":122.365,"end":131.905,"sentiment":"neutral","sentiment_score":0.19001637972318208}],"sentiment":"neutral","sentiment_score":0.13004878781397233,"num_words":66,"start":106.71999,"end":131.905},{"sentences":[{"text":"And we've also got a bit of a assign now link, which will take you through the annual review pack.","start":132.14,"end":137.44,"sentiment":"neutral","sentiment_score":0.16966660395264627},{"text":"If you can just click on that one for me and just let me know once the first document pops up, we'll kinda just run through that together.","start":137.5,"end":143.84,"sentiment":"neutral","sentiment_score":0.13235110283962317},{"text":"Yep.","start":147.435,"end":147.75499,"sentiment":"neutral","sentiment_score":0.0574931725859642},{"text":"So if you hit that, it'll basically ask for consent and then bring up all of the review documents.","start":147.75499,"end":153.215,"sentiment":"neutral","sentiment_score":0.04702551731545674},{"text":"And what we're gonna do is not gonna sign anything right now.","start":153.355,"end":155.75499,"sentiment":"neutral","sentiment_score":-0.06131799053400755}],"sentiment":"neutral","sentiment_score":0.09142906342167408,"num_words":80,"start":132.14,"end":155.75499},{"sentences":[{"text":"We're just gonna have a scroll through together and make sure you're comfortable with everything first.","start":155.75499,"end":160.51001,"sentiment":"neutral","sentiment_score":0.061626932583749294},{"text":"Perfect.","start":172.985,"end":173.485,"sentiment":"positive","sentiment_score":0.501089334487915},{"text":"Perfect.","start":173.545,"end":173.945,"sentiment":"positive","sentiment_score":0.4244755506515503},{"text":"So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today.","start":173.945,"end":180.445,"sentiment":"neutral","sentiment_score":0.13881706673166025},{"text":"Do you usually log in to your Netwealth super frequently?","start":181.065,"end":184.925,"sentiment":"neutral","sentiment_score":0.034565049782395364}],"sentiment":"neutral","sentiment_score":0.10686350664963909,"num_words":51,"start":155.75499,"end":184.925},{"sentences":[{"text":"Yep.","start":191.38,"end":191.78,"sentiment":"neutral","sentiment_score":0.05010167881846428},{"text":"So I really wanted to start there because there was a change on your account that we made a couple of months ago, which has kind of just kind of righted the course a little bit.","start":191.78,"end":200.835,"sentiment":"neutral","sentiment_score":0.017696376889944077},{"text":"So if you can have a scroll down for me, past the super summary, you'll see a Netwealth asset performance document.","start":200.99501,"end":207.955,"sentiment":"neutral","sentiment_score":0.04550812020897865},{"text":"I don't know if you can make out the figures in that table for me.","start":207.955,"end":210.77501,"sentiment":"neutral","sentiment_score":0.0051655194411675135},{"text":"Yep.","start":221.17001,"end":221.57,"sentiment":"neutral","sentiment_score":0.18430650234222412}],"sentiment":"neutral","sentiment_score":0.025738257637901885,"num_words":74,"start":191.38,"end":221.57},{"sentences":[{"text":"Perfect.","start":221.57,"end":222.07,"sentiment":"neutral","sentiment_score":0.2181316614151001},{"text":"So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do.","start":225.02501,"end":231.74501,"sentiment":"neutral","sentiment_score":0.10173040641279056},{"text":"So as a bit of an update, a year ago, you were sitting at about 128,000.","start":231.74501,"end":236.80501,"sentiment":"neutral","sentiment_score":0.046580032096244395},{"text":"You had about $10 worth of contributions clear the account after taxes because you're doing a bit of salary sacrifice still, I believe.","start":237.265,"end":245.03,"sentiment":"neutral","sentiment_score":0.06243874602343725},{"text":"You got about 200 a month.","start":245.81,"end":247.43,"sentiment":"neutral","sentiment_score":0.185866117477417}],"sentiment":"neutral","sentiment_score":0.08619842432439327,"num_words":75,"start":221.57,"end":247.43},{"sentences":[{"text":"Now beyond that change, we had most of the investments on that table.","start":248.93,"end":254.315,"sentiment":"neutral","sentiment_score":0.09460860318862475},{"text":"If you look at the right hand side, very right hand column, you'll see a return percentage.","start":254.315,"end":259.375,"sentiment":"neutral","sentiment_score":0.11650400477297165},{"text":"Now you can see the first one there has got the minus 17, and the rest of them are all in positive figures, three, six, 99, ten ten, seventeen, eighty two.","start":261.195,"end":271.16,"sentiment":"neutral","sentiment_score":0.17607622821965524},{"text":"They've all pretty much had huge returns across, you know, gold, shares, different asset classes.","start":271.62,"end":278.2,"sentiment":"positive","sentiment_score":0.5826387882232666},{"text":"That one Australian shares option at the top was having a bit of a dive a bit quicker than the rest of the market because the market dropped in February and March.","start":278.42,"end":288.01498,"sentiment":"neutral","sentiment_score":-0.08336426946334541}],"sentiment":"neutral","sentiment_score":0.1364885944252213,"num_words":108,"start":248.93,"end":288.01498},{"sentences":[{"text":"This one went down a little bit faster than the other options, if that makes sense.","start":288.155,"end":292.41,"sentiment":"neutral","sentiment_score":-0.19714655866846442},{"text":"So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document.","start":293.77,"end":300.35,"sentiment":"neutral","sentiment_score":0.0712713688345892},{"text":"If we need to overhaul the portfolio, we kind of discuss that together, get you to sign off on it.","start":300.41,"end":305.445,"sentiment":"neutral","sentiment_score":0.09719357639551163},{"text":"Just in this particular case, because of some issues we discovered with the fund manager themselves, we didn't believe that it was gonna kind of catch back up to the rest of the pack.","start":305.525,"end":316.905,"sentiment":"neutral","sentiment_score":-0.18852737304918907},{"text":"So our investment committee made a decision across all clients to divest you from that option and switch you across into a lower fee option with better performance.","start":317.125,"end":326.61002,"sentiment":"neutral","sentiment_score":0.18550480103918485}],"sentiment":"neutral","sentiment_score":-0.003418026491999626,"num_words":126,"start":288.155,"end":326.61002},{"sentences":[{"text":"So that's the one directly underneath it, which has only been going for a couple of months here, but you can see underneath the Bennelong option, you can see beta shares Australia 200, and that's the one that's just jumped up almost 4% in the last six weeks.","start":328.59,"end":343.325,"sentiment":"neutral","sentiment_score":0.18926041681940356},{"text":"So what I was going to do today was basically, again, talk about divesting from that option, but we've already done that because we found it important enough to to kind of jump ahead and do it before any further concerns arose.","start":345.465,"end":359.16,"sentiment":"neutral","sentiment_score":0.18333531951620466},{"text":"Now what that kind of means for you is, like I mentioned, you were sitting in a 128,000.","start":361.235,"end":365.975,"sentiment":"neutral","sentiment_score":0.19436732596821255},{"text":"You had just over 10 of contributions clear after tax, and you've had a return for the year of about 13,000 just under 10% after fees.","start":366.595,"end":375.96,"sentiment":"positive","sentiment_score":0.336786130299935},{"text":"So that's kind of put you back on track with the benchmark that we're aiming for, which is at nine to 10%.","start":375.96,"end":381.81998,"sentiment":"positive","sentiment_score":0.3513422066515142}],"sentiment":"neutral","sentiment_score":0.2356997642857142,"num_words":156,"start":328.59,"end":381.81998},{"sentences":[{"text":"Cool.","start":384.36,"end":384.59998,"sentiment":"positive","sentiment_score":0.5074735879898071},{"text":"So does that make sense?","start":384.59998,"end":385.47998,"sentiment":"neutral","sentiment_score":0.2431114822626114},{"text":"Like, it's kind of one option was dropping.","start":385.47998,"end":387.58502,"sentiment":"neutral","sentiment_score":0.06655428186058998},{"text":"We switched that out.","start":387.58502,"end":388.465,"sentiment":"neutral","sentiment_score":0.17006744258105755},{"text":"It's all jumped back up pretty positive for the year, and you've cleared a bit more in returns than what you've put in in contributions.","start":388.465,"end":395.445,"sentiment":"positive","sentiment_score":0.4399430471658707}],"sentiment":"neutral","sentiment_score":0.32405374892229255,"num_words":43,"start":384.36,"end":395.445},{"sentences":[{"text":"Yep.","start":399.36,"end":399.75998,"sentiment":"neutral","sentiment_score":0.27673575282096863},{"text":"So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good.","start":399.75998,"end":405.91998,"sentiment":"positive","sentiment_score":0.365266122601249},{"text":"They're all doing their thing.","start":405.91998,"end":407.12,"sentiment":"positive","sentiment_score":0.5758723855018616},{"text":"They're all performing and behaving as I would expect.","start":407.12,"end":410.25998,"sentiment":"positive","sentiment_score":0.5580467813544803},{"text":"The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy.","start":410.655,"end":417.795,"sentiment":"neutral","sentiment_score":-0.020211184796478068}],"sentiment":"neutral","sentiment_score":0.24074554208379526,"num_words":65,"start":399.36,"end":417.795},{"sentences":[{"text":"Yeah.","start":442.045,"end":442.545,"sentiment":"neutral","sentiment_score":-0.043120723217725754},{"text":"Yeah.","start":459.275,"end":459.515,"sentiment":"neutral","sentiment_score":0.06334464251995087},{"text":"And when it comes to retirement, are you aiming for that kind of earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by age pension of 60 seven?","start":459.515,"end":470.255,"sentiment":"neutral","sentiment_score":0.07141149080381161},{"text":"Yeah.","start":486.505,"end":487.005,"sentiment":"neutral","sentiment_score":0.0035278871655464172},{"text":"Okay.","start":488.905,"end":489.405,"sentiment":"neutral","sentiment_score":0.0887124240398407}],"sentiment":"neutral","sentiment_score":0.06756300785475307,"num_words":45,"start":442.045,"end":489.405},{"sentences":[{"text":"Awesome.","start":511.335,"end":511.835,"sentiment":"positive","sentiment_score":0.6372364163398743},{"text":"So then it makes sense to keep you in a pretty high growth approach with that kind of 80 to 90 in growth assets, your shares, and your property, and your gold to try and get the high long term returns.","start":512.135,"end":522.39,"sentiment":"neutral","sentiment_score":0.3082976453914875},{"text":"If we can get a bulk of returns and contributions over the next ten years, we can try and build you up to that kind of $3,400,000 mark, and then it kind of takes off pretty quickly from then to that kind of $6.07, 800,000.","start":522.69,"end":537.77496,"sentiment":"neutral","sentiment_score":0.21396382566955355},{"text":"But then you've got a balanced risk at the end, like you said.","start":538.07495,"end":541.055,"sentiment":"neutral","sentiment_score":-0.033342836424708366},{"text":"So 40 to 50, you can go quite heavy into growth.","start":541.115,"end":544.735,"sentiment":"neutral","sentiment_score":0.043702435087073936}],"sentiment":"neutral","sentiment_score":0.20678452202664302,"num_words":111,"start":511.335,"end":544.735},{"sentences":[{"text":"In those last ten years, we need to slowly reduce the risk level down because high growth is recommended if you've got a decade plus.","start":544.795,"end":551.86,"sentiment":"neutral","sentiment_score":-0.004331506788730621},{"text":"Once you start hitting that seven, eight years, we should probably start trimming it down from, say, 90%, eighty, seventy, 60, fifty, forty gradually over that last decade into pension phase in the sixties.","start":552.07996,"end":564.27496,"sentiment":"neutral","sentiment_score":0.00579659512047382},{"text":"Perfect.","start":567.45496,"end":567.855,"sentiment":"positive","sentiment_score":0.47516506910324097},{"text":"So what that basically means is it's gonna jump up and down double digits.","start":567.855,"end":571.295,"sentiment":"neutral","sentiment_score":0.1583106086722442},{"text":"And because you've built this base of a 150, any year, it's gonna be going up and down ten to thirty thousand while it's in high growth contributions going in until we can slow it down towards the end.","start":571.295,"end":584.71,"sentiment":"neutral","sentiment_score":-0.02067582073430411}],"sentiment":"neutral","sentiment_score":0.017468611913757908,"num_words":113,"start":544.795,"end":584.71},{"sentences":[{"text":"K?","start":587.73,"end":588.23,"sentiment":"neutral","sentiment_score":0.06356983631849289},{"text":"So if you're comfortable with that, I think we've kind of got it in a good place now.","start":588.29,"end":592.79,"sentiment":"positive","sentiment_score":0.38409655541181564},{"text":"Does the 200 a month make sense still for you in terms of a cash flow perspective?","start":593.145,"end":597.24506,"sentiment":"neutral","sentiment_score":0.06671468760160838},{"text":"Yeah.","start":601.465,"end":601.705,"sentiment":"neutral","sentiment_score":0.04504358768463135},{"text":"Are you still comfortable with that amount given your other goals to sort of save and purchase a house and things like that?","start":601.705,"end":608.60504,"sentiment":"neutral","sentiment_score":0.08243661989336429}],"sentiment":"neutral","sentiment_score":0.16754238946984212,"num_words":60,"start":587.73,"end":608.60504},{"sentences":[{"text":"Mhmm.","start":629.985,"end":630.485,"sentiment":"neutral","sentiment_score":0.02423208579421043},{"text":"Yeah.","start":630.945,"end":631.445,"sentiment":"neutral","sentiment_score":0.03680407255887985},{"text":"Yeah.","start":645.215,"end":645.455,"sentiment":"neutral","sentiment_score":0.06769159436225891},{"text":"You get the budget under control first and and work on this new move.","start":645.455,"end":649.075,"sentiment":"neutral","sentiment_score":0.06831638648041657},{"text":"Yeah.","start":684.54004,"end":685.02,"sentiment":"neutral","sentiment_score":-0.05605067312717438}],"sentiment":"neutral","sentiment_score":0.0571725827952226,"num_words":18,"start":629.985,"end":685.02},{"sentences":[{"text":"And one of the things that it's gonna happen twice between now and retirement is there's gonna be that global financial crisis style crash at some point where we're gonna kind of for the first decade, if we do find that every asset class goes down at the same time, we can't control that level of weather, and we can also just chuck you in cash and then mistime getting back in.","start":685.02,"end":708.15497,"sentiment":"neutral","sentiment_score":-0.11374190320364302},{"text":"But what we will do is if there's any double digit drops where the whole world melts down, we're gonna basically use that as a buying opportunity to pick up the best assets possible for when it goes back up.","start":708.295,"end":719.53,"sentiment":"neutral","sentiment_score":0.06275018397718668},{"text":"In the second phase, it'll be about, okay, if we've had a 15% return, let's reduce your risk level down ahead of time because we're ahead of the curve.","start":719.75,"end":728.175,"sentiment":"neutral","sentiment_score":0.09919351776098383},{"text":"So very conscious of it.","start":730.47504,"end":731.835,"sentiment":"neutral","sentiment_score":0.1591768279671669},{"text":"My job with the team and the investment committee is to make sure everything in the portfolio is good quality.","start":731.835,"end":737.135,"sentiment":"neutral","sentiment_score":0.2940497830510139}],"sentiment":"neutral","sentiment_score":0.023337844243071164,"num_words":166,"start":685.02,"end":737.135},{"sentences":[{"text":"And if there's a major concern with one type, that we do look at switching it when it's appropriate.","start":737.48004,"end":742.22003,"sentiment":"neutral","sentiment_score":0.021245923873625304},{"text":"Perfect.","start":745.32,"end":745.80005,"sentiment":"positive","sentiment_score":0.5258767604827881},{"text":"Perfect.","start":745.80005,"end":746.2,"sentiment":"positive","sentiment_score":0.5003698468208313},{"text":"So in terms of just updating a quick few details there, you mentioned that you moved in with your partner.","start":746.2,"end":752.30005,"sentiment":"neutral","sentiment_score":0.1139339130371809},{"text":"Was this a home purchase together?","start":753.585,"end":755.365,"sentiment":"neutral","sentiment_score":0.024954027496278286}],"sentiment":"neutral","sentiment_score":0.08209194865156995,"num_words":47,"start":737.48004,"end":755.365},{"sentences":[{"text":"Yep.","start":762.945,"end":763.445,"sentiment":"neutral","sentiment_score":-0.10111498832702635},{"text":"Okay.","start":766.24005,"end":766.74005,"sentiment":"neutral","sentiment_score":-0.009503677487373352},{"text":"Yeah.","start":778.095,"end":778.595,"sentiment":"neutral","sentiment_score":-0.01404617540538311},{"text":"Gotcha.","start":805.085,"end":805.585,"sentiment":"neutral","sentiment_score":0.24458768963813785},{"text":"Yeah.","start":817.91,"end":818.23,"sentiment":"neutral","sentiment_score":0.13549822568893433}],"sentiment":"neutral","sentiment_score":0.05108421482145788,"num_words":5,"start":762.945,"end":818.23},{"sentences":[{"text":"So at the moment, your priority is just kind of building the savings.","start":818.23,"end":821.37,"sentiment":"neutral","sentiment_score":0.21828372031450272},{"text":"Perfect.","start":850.755,"end":851.255,"sentiment":"positive","sentiment_score":0.6933881044387817},{"text":"So assets and liabilities wise, I think we just had noted down previously car, credit card.","start":851.395,"end":857.23505,"sentiment":"neutral","sentiment_score":0.1810395191423595},{"text":"Is there, like, an estimated savings amount I can put down on your file?","start":857.23505,"end":860.85,"sentiment":"neutral","sentiment_score":0.22835870938641684},{"text":"Yep.","start":864.52997,"end":865.02997,"sentiment":"neutral","sentiment_score":0.19326888024806976}],"sentiment":"neutral","sentiment_score":0.2181777685880661,"num_words":45,"start":818.23,"end":865.02997},{"sentences":[{"text":"Perfect.","start":865.32996,"end":865.82996,"sentiment":"positive","sentiment_score":0.390190452337265},{"text":"Alrighty.","start":866.29,"end":866.79,"sentiment":"neutral","sentiment_score":0.15870508551597595},{"text":"Sorry, mate.","start":868.61,"end":869.17,"sentiment":"neutral","sentiment_score":-0.1917477622628212},{"text":"You go.","start":869.17,"end":869.75,"sentiment":"neutral","sentiment_score":-0.2029193416237831},{"text":"Yes.","start":877.58496,"end":878.08496,"sentiment":"neutral","sentiment_score":0.015284040942788124}],"sentiment":"neutral","sentiment_score":-0.03216494699673993,"num_words":7,"start":865.32996,"end":878.08496},{"sentences":[{"text":"Yep.","start":885.04,"end":885.54,"sentiment":"neutral","sentiment_score":0.08801033347845078},{"text":"Perfect.","start":894.56,"end":894.96,"sentiment":"positive","sentiment_score":0.48477983474731445},{"text":"And then you'll build up a separate amount to the side.","start":894.96,"end":897.3,"sentiment":"neutral","sentiment_score":0.09839049252596768},{"text":"Yep.","start":904.025,"end":904.505,"sentiment":"neutral","sentiment_score":0.17234426736831665},{"text":"Perfect.","start":904.505,"end":904.98505,"sentiment":"positive","sentiment_score":0.520494282245636}],"sentiment":"neutral","sentiment_score":0.1565282757083575,"num_words":15,"start":885.04,"end":904.98505},{"sentences":[{"text":"So any other assets or loans or liabilities that I need to add?","start":904.98505,"end":910.765,"sentiment":"neutral","sentiment_score":0.10652797210675019},{"text":"Perfect.","start":913.15,"end":913.65,"sentiment":"neutral","sentiment_score":0.23441749811172485},{"text":"Fantastic.","start":919.39,"end":919.89,"sentiment":"positive","sentiment_score":0.6610430479049683},{"text":"So I'll leave the salary sacrifice as it is.","start":920.03,"end":922.43,"sentiment":"neutral","sentiment_score":0.17410637189944586},{"text":"But in terms of cash flow, I think we had you working in sort of hotel tourism on about 60,000.","start":922.43,"end":928.875,"sentiment":"neutral","sentiment_score":0.012185676395893097}],"sentiment":"neutral","sentiment_score":0.09297716041857546,"num_words":44,"start":904.98505,"end":928.875},{"sentences":[{"text":"Is that still correct?","start":928.875,"end":929.935,"sentiment":"neutral","sentiment_score":0.05237554665654898},{"text":"Yep.","start":939.29004,"end":939.53,"sentiment":"neutral","sentiment_score":0.050868988037109375},{"text":"That'd be handy.","start":939.53,"end":940.33,"sentiment":"neutral","sentiment_score":0.0656592808663845},{"text":"No worries.","start":940.33,"end":940.99005,"sentiment":"neutral","sentiment_score":0.050461295992136},{"text":"Oh, and Kevin, while you're doing that, is it still Munhill Apartments?","start":995.99005,"end":999.37,"sentiment":"neutral","sentiment_score":0.011262455955147743}],"sentiment":"neutral","sentiment_score":0.03151914003220471,"num_words":22,"start":928.875,"end":999.37},{"sentences":[{"text":"Yep.","start":1001.745,"end":1002.145,"sentiment":"neutral","sentiment_score":0.035064466297626495},{"text":"Same employer.","start":1002.145,"end":1002.965,"sentiment":"neutral","sentiment_score":0.019329107366502285},{"text":"The branding and and such.","start":1020.56,"end":1022.34,"sentiment":"neutral","sentiment_score":0.023380789905786514},{"text":"Yep.","start":1032.655,"end":1033.155,"sentiment":"neutral","sentiment_score":0.03346427157521248},{"text":"Yeah.","start":1044.11,"end":1044.43,"sentiment":"neutral","sentiment_score":-0.059692636132240295}],"sentiment":"neutral","sentiment_score":0.01643982660025358,"num_words":10,"start":1001.745,"end":1044.43},{"sentences":[{"text":"And because we're only about a week off financial year, if it says financial year to date, I can kind of gulf that a little bit.","start":1044.43,"end":1050.315,"sentiment":"neutral","sentiment_score":-0.23242670985368583},{"text":"So financial year to date, $38.","start":1061.4349,"end":1064.4149,"sentiment":"neutral","sentiment_score":0.0069869050445655985},{"text":"And it's kind of full time.","start":1066.48,"end":1067.86,"sentiment":"neutral","sentiment_score":0.020295070484280586},{"text":"Uh-huh.","start":1086.015,"end":1086.515,"sentiment":"neutral","sentiment_score":0.00481661781668663},{"text":"Yes.","start":1086.5751,"end":1087.0751,"sentiment":"neutral","sentiment_score":0.05646434426307678}],"sentiment":"neutral","sentiment_score":-0.14545304102357476,"num_words":40,"start":1044.43,"end":1087.0751},{"sentences":[{"text":"Okay.","start":1107.4851,"end":1107.9851,"sentiment":"neutral","sentiment_score":0.050275880843400955},{"text":"So the financial year to date, would that be less than 60 then?","start":1108.045,"end":1111.405,"sentiment":"neutral","sentiment_score":-0.0045499424808300454},{"text":"And then when you go back full time, might be about 70 7 dollars.","start":1111.405,"end":1114.65,"sentiment":"neutral","sentiment_score":0.004616002286119121},{"text":"Yep.","start":1117.2101,"end":1117.61,"sentiment":"neutral","sentiment_score":0.041809312999248505},{"text":"K.","start":1117.61,"end":1118.01,"sentiment":"neutral","sentiment_score":0.021604463458061215}],"sentiment":"neutral","sentiment_score":0.003972147901852925,"num_words":30,"start":1107.4851,"end":1118.01},{"sentences":[{"text":"So I might put in, like, 50 for the time being, and I'll put that in as sort of part time.","start":1118.01,"end":1125.63,"sentiment":"neutral","sentiment_score":0.04096467509156182},{"text":"Or would it be less, you think, 45?","start":1126.49,"end":1128.43,"sentiment":"neutral","sentiment_score":-0.013349067186936736},{"text":"Yep.","start":1133.465,"end":1133.965,"sentiment":"neutral","sentiment_score":0.024445470422506332},{"text":"40 5.","start":1134.345,"end":1134.825,"sentiment":"neutral","sentiment_score":0.027450338006019592},{"text":"And then we'll say the bounce up will probably be seven years, 75 k, but we'll confirm that at the next review.","start":1134.825,"end":1140.365,"sentiment":"neutral","sentiment_score":0.039335894737054004}],"sentiment":"neutral","sentiment_score":0.031448175371797,"num_words":54,"start":1118.01,"end":1140.365},{"sentences":[{"text":"Yeah.","start":1144.71,"end":1144.87,"sentiment":"neutral","sentiment_score":0.07605007290840149},{"text":"So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice.","start":1144.87,"end":1151.75,"sentiment":"neutral","sentiment_score":-0.05928472463380207},{"text":"We don't need to change anything there for the next month or so.","start":1151.75,"end":1154.415,"sentiment":"neutral","sentiment_score":-0.17051971990328568},{"text":"Yep.","start":1158.495,"end":1158.995,"sentiment":"neutral","sentiment_score":0.0436360165476799},{"text":"Yeah.","start":1162.3351,"end":1162.655,"sentiment":"neutral","sentiment_score":-0.02627437934279442}],"sentiment":"neutral","sentiment_score":-0.09020022606771243,"num_words":38,"start":1144.71,"end":1162.655},{"sentences":[{"text":"You can stop it at any time.","start":1162.655,"end":1164.435,"sentiment":"neutral","sentiment_score":-0.01996290949838502},{"text":"Drop it.","start":1165.295,"end":1166.115,"sentiment":"neutral","sentiment_score":-0.035438474267721176},{"text":"Yeah.","start":1176.51,"end":1177.01,"sentiment":"neutral","sentiment_score":0.0794798880815506},{"text":"And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside?","start":1177.4701,"end":1186.6951,"sentiment":"neutral","sentiment_score":0.0856977790795468},{"text":"Ad hoc.","start":1192.4501,"end":1196.79,"sentiment":"neutral","sentiment_score":-0.0128373340703547}],"sentiment":"neutral","sentiment_score":0.061510321037957866,"num_words":49,"start":1162.655,"end":1196.79},{"sentences":[{"text":"Yep.","start":1203.49,"end":1203.99,"sentiment":"neutral","sentiment_score":0.12541328370571136},{"text":"Alright.","start":1205.9049,"end":1206.3049,"sentiment":"neutral","sentiment_score":0.19689999520778656},{"text":"So I've got that in for the income, assets, and liabilities.","start":1206.3049,"end":1209.605,"sentiment":"neutral","sentiment_score":0.16068035770546307},{"text":"Just a quick extra question that's a bit different is you've never gone through any kind of bankruptcy or part nine debt agreements before, have you?","start":1209.985,"end":1216.77,"sentiment":"neutral","sentiment_score":0.0101380638169268},{"text":"Perfect.","start":1218.29,"end":1218.79,"sentiment":"neutral","sentiment_score":-0.23854604363441467}],"sentiment":"neutral","sentiment_score":0.05287102073198184,"num_words":40,"start":1203.49,"end":1218.79},{"sentences":[{"text":"Did you end up getting a will in place for the estate plan put together?","start":1218.85,"end":1222.87,"sentiment":"neutral","sentiment_score":-0.08211629763245583},{"text":"The beneficiary.","start":1231.985,"end":1232.645,"sentiment":"neutral","sentiment_score":0.18442852050065994},{"text":"Yep.","start":1233.665,"end":1234.165,"sentiment":"neutral","sentiment_score":0.14483162760734558},{"text":"Yeah.","start":1241.92,"end":1242.24,"sentiment":"neutral","sentiment_score":0.26100510358810425},{"text":"Perfect.","start":1242.24,"end":1242.64,"sentiment":"positive","sentiment_score":0.37543272972106934}],"sentiment":"neutral","sentiment_score":-0.004080898128449917,"num_words":20,"start":1218.85,"end":1242.64},{"sentences":[{"text":"And just remember with those ones is you can choose whether it the the most standard is a nonlapsing binding, so it doesn't expire, or you can make it a lapsing, so it expires every three years.","start":1242.64,"end":1254.9801,"sentiment":"neutral","sentiment_score":0.12664747439526222},{"text":"And binding just means it's legally binding, and the super fund has to do it.","start":1256.205,"end":1260.705,"sentiment":"neutral","sentiment_score":0.08433913464347521},{"text":"Can I just note down, are you do you know who you're gonna nominate?","start":1264.285,"end":1267.825,"sentiment":"neutral","sentiment_score":0.08999370783567429},{"text":"Okay.","start":1269.8,"end":1270.2001,"sentiment":"neutral","sentiment_score":0.07974576950073242},{"text":"Can I just take down your partner's name?","start":1270.2001,"end":1272.2001,"sentiment":"neutral","sentiment_score":0.08035087399184704}],"sentiment":"neutral","sentiment_score":0.10578010991215706,"num_words":75,"start":1242.64,"end":1272.2001},{"sentences":[{"text":"Are you guys de facto or married?","start":1272.2001,"end":1273.74,"sentiment":"neutral","sentiment_score":0.03245291858911514},{"text":"De facto.","start":1276.36,"end":1277.0801,"sentiment":"neutral","sentiment_score":0.14993692189455032},{"text":"Cool.","start":1277.0801,"end":1277.5801,"sentiment":"neutral","sentiment_score":0.25461190938949585},{"text":"Can I just note down her name for the file?","start":1277.8,"end":1280.06,"sentiment":"neutral","sentiment_score":0.12078490480780602},{"text":"I don't need any other details, but that's so you can put that on to the beneficiary form.","start":1280.2001,"end":1284.905,"sentiment":"neutral","sentiment_score":-0.044347658649914794}],"sentiment":"neutral","sentiment_score":0.03134861514952622,"num_words":38,"start":1272.2001,"end":1284.905},{"sentences":[{"text":"Okay.","start":1290.485,"end":1290.885,"sentiment":"neutral","sentiment_score":0.016687095165252686},{"text":"Is that c a r o l I n e?","start":1290.885,"end":1293.3049,"sentiment":"neutral","sentiment_score":0.007847868232056498},{"text":"Yep.","start":1305.86,"end":1306.36,"sentiment":"neutral","sentiment_score":-0.2178749442100525},{"text":"Yeah.","start":1307.54,"end":1308.04,"sentiment":"neutral","sentiment_score":-0.017268190160393715},{"text":"Is it one of those Scottish a u g h at the end or something?","start":1308.26,"end":1312.775,"sentiment":"neutral","sentiment_score":-0.01453529754653573}],"sentiment":"neutral","sentiment_score":-0.01278595786009516,"num_words":28,"start":1290.485,"end":1312.775},{"sentences":[{"text":"No.","start":1340.625,"end":1340.865,"sentiment":"neutral","sentiment_score":-0.10171936452388763},{"text":"You're totally fine.","start":1340.865,"end":1342.005,"sentiment":"neutral","sentiment_score":-0.06687235956390698},{"text":"I'm just updating a few things on our systems while you do that, so please take your time.","start":1342.785,"end":1347.18,"sentiment":"neutral","sentiment_score":0.018388465667764347},{"text":"E, double l, with one n.","start":1356.9401,"end":1359.8201,"sentiment":"neutral","sentiment_score":0.005390929756686091},{"text":"Perfect.","start":1359.8201,"end":1360.3201,"sentiment":"neutral","sentiment_score":0.19169923663139343}],"sentiment":"neutral","sentiment_score":0.008713819102608952,"num_words":29,"start":1340.625,"end":1360.3201},{"sentences":[{"text":"Got it there.","start":1363.085,"end":1363.725,"sentiment":"neutral","sentiment_score":0.1855967491865158},{"text":"Thank you very much for that, Kevin.","start":1363.725,"end":1365.585,"sentiment":"positive","sentiment_score":0.5655908840043204},{"text":"If you had run into any trouble filling in that form, please just call the office number.","start":1366.525,"end":1370.285,"sentiment":"neutral","sentiment_score":-0.022589527289657033},{"text":"The team can walk you through it very, very quickly.","start":1370.285,"end":1372.465,"sentiment":"neutral","sentiment_score":0.18265205398201942},{"text":"But like I said, you basically just take, you know, some lapsing binding, put in her details, get it witnessed by two people who aren't your beneficiary because it is a legal document, and then you're pretty well good to go.","start":1372.525,"end":1384.97,"sentiment":"neutral","sentiment_score":0.10563213123780925}],"sentiment":"neutral","sentiment_score":0.1319146460543076,"num_words":78,"start":1363.085,"end":1384.97},{"sentences":[{"text":"Alrighty.","start":1389.605,"end":1390.105,"sentiment":"neutral","sentiment_score":0.3234155476093292},{"text":"Last couple of things to check is so the beneficiary that's getting sorted, I don't believe you've got any, like, insurances in place at the moment and you're on work cover.","start":1391.685,"end":1401.4451,"sentiment":"neutral","sentiment_score":-0.10699857987703816},{"text":"So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is.","start":1401.4451,"end":1410.7401,"sentiment":"neutral","sentiment_score":0.13402795667449632},{"text":"Yeah.","start":1418.6549,"end":1419.1549,"sentiment":"neutral","sentiment_score":0.03797592222690582},{"text":"I may need to revisit that once you're off work cover because they don't normally offer the the insurances until that's finalized.","start":1419.7749,"end":1427.3949,"sentiment":"neutral","sentiment_score":0.0011995233680036936}],"sentiment":"neutral","sentiment_score":0.020833312615670344,"num_words":91,"start":1389.605,"end":1427.3949},{"sentences":[{"text":"And then so I might even pencil in.","start":1427.9349,"end":1431.02,"sentiment":"neutral","sentiment_score":0.07927720341831446},{"text":"Do you want me to do a catch up before Christmas or just at the next annual review to kind of run through the medical and the quotes and the ideas there?","start":1431.02,"end":1438.8,"sentiment":"neutral","sentiment_score":0.08785979193635285},{"text":"Yep.","start":1442.155,"end":1442.655,"sentiment":"neutral","sentiment_score":0.26499104499816895},{"text":"Easy done.","start":1442.875,"end":1443.6951,"sentiment":"positive","sentiment_score":0.49863752722740173},{"text":"And do you want any other catch ups in between just as a bit of a touchpoint, or are you okay just to kind of log in every now and then and course if anything emergency pops up?","start":1444.555,"end":1453.05,"sentiment":"neutral","sentiment_score":0.09629803748899385}],"sentiment":"neutral","sentiment_score":0.10330027769561168,"num_words":81,"start":1427.9349,"end":1453.05},{"sentences":[{"text":"Yep.","start":1468.2649,"end":1468.745,"sentiment":"neutral","sentiment_score":0.04702761769294739},{"text":"No worries at all.","start":1468.745,"end":1470.205,"sentiment":"neutral","sentiment_score":0.033391198143363},{"text":"Alright, Kevin.","start":1470.2649,"end":1471.1449,"sentiment":"neutral","sentiment_score":0.17316585779190063},{"text":"So that's pretty much all the areas I wanted to cover.","start":1471.1449,"end":1473.705,"sentiment":"neutral","sentiment_score":0.16225366565314206},{"text":"Is there anything in particular that you would like to discuss before we finish up?","start":1473.705,"end":1478.13,"sentiment":"neutral","sentiment_score":0.07791509404778481}],"sentiment":"neutral","sentiment_score":0.10546790481065259,"num_words":33,"start":1468.2649,"end":1478.13},{"sentences":[{"text":"Perfect.","start":1485.65,"end":1486.15,"sentiment":"positive","sentiment_score":0.39660221338272095},{"text":"So in that email that I've sent you, when you scroll through those last couple of documents, beyond your net wealth performance chart, there's a bit of a vanguard chart, which is just how markets work.","start":1486.37,"end":1497.925,"sentiment":"neutral","sentiment_score":0.1398322493251827},{"text":"The documents below that, so there is a advice fee consent to remain advisers on the account.","start":1498.8651,"end":1504.5651,"sentiment":"neutral","sentiment_score":0.055394583107794035},{"text":"We're still charging the 1.65% at the moment, but we are working on a bit of a tiered fee structure coming in.","start":1505.3201,"end":1513.2401,"sentiment":"neutral","sentiment_score":-0.06888547836040909},{"text":"So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point.","start":1513.2401,"end":1523.635,"sentiment":"neutral","sentiment_score":0.09109097626060247}],"sentiment":"neutral","sentiment_score":0.0719602020215933,"num_words":108,"start":1485.65,"end":1523.635},{"sentences":[{"text":"Okay?","start":1525.855,"end":1526.335,"sentiment":"neutral","sentiment_score":0.2083035111427307},{"text":"So you'll pretty much get close to that point between now and the next review.","start":1526.335,"end":1529.7749,"sentiment":"positive","sentiment_score":0.41127897302309674},{"text":"And then for that next agreement, you should benefit from the new structure, which would be really handy.","start":1529.7749,"end":1534.7301,"sentiment":"positive","sentiment_score":0.6201100018289354},{"text":"Outside of that, we've included a couple of extra little documents today.","start":1536.31,"end":1541.05,"sentiment":"neutral","sentiment_score":0.28219958518942195},{"text":"We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide.","start":1541.75,"end":1559.405,"sentiment":"neutral","sentiment_score":0.09705892224845133}],"sentiment":"neutral","sentiment_score":0.25687593912470685,"num_words":103,"start":1525.855,"end":1559.405},{"sentences":[{"text":"Perfect.","start":1561.96,"end":1562.46,"sentiment":"positive","sentiment_score":0.6442025303840637},{"text":"Do you have any questions for me about any of those documents?","start":1562.68,"end":1565.8201,"sentiment":"neutral","sentiment_score":0.257032943268617},{"text":"Cool, Kevin.","start":1568.2001,"end":1568.84,"sentiment":"positive","sentiment_score":0.485374391078949},{"text":"So I'll leave that with you.","start":1568.84,"end":1569.96,"sentiment":"neutral","sentiment_score":0.27647262314955395},{"text":"If you could just click through.","start":1569.96,"end":1571.26,"sentiment":"neutral","sentiment_score":0.17641785989205042}],"sentiment":"neutral","sentiment_score":0.27469220481537004,"num_words":27,"start":1561.96,"end":1571.26},{"sentences":[{"text":"When you go to sign the documents, it'll stamp signatures and dates on there as you click the buttons.","start":1571.4,"end":1576.755,"sentiment":"neutral","sentiment_score":0.1462567130986013},{"text":"But if you would like to draw it on there, you can click on the signature and actually draw it like your license.","start":1577.0549,"end":1582.0349,"sentiment":"neutral","sentiment_score":0.10717233238012894},{"text":"Whatever your preference is, Netwealth doesn't really have an issue with digital authorization.","start":1582.255,"end":1587.475,"sentiment":"neutral","sentiment_score":0.04202736169099808},{"text":"Yep.","start":1602.575,"end":1603.075,"sentiment":"neutral","sentiment_score":0.22779075801372528},{"text":"And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually pull you to those spots.","start":1603.455,"end":1615.315,"sentiment":"neutral","sentiment_score":0.23454794253027716}],"sentiment":"neutral","sentiment_score":0.16266211295368696,"num_words":99,"start":1571.4,"end":1615.315},{"sentences":[{"text":"And then at the end, once they're all done, there'll be a a validation button at the bottom, and that'll basically send signed copy for both of us, and you'll be able to download a signed copy for your records too.","start":1622.05,"end":1633.865,"sentiment":"neutral","sentiment_score":0.1813345526049777},{"text":"Yeah.","start":1648.42,"end":1648.92,"sentiment":"neutral","sentiment_score":0.2844496965408325},{"text":"Perfect.","start":1690.065,"end":1690.465,"sentiment":"positive","sentiment_score":0.5473573207855225},{"text":"And then if you just hit validate at the bottom, that should come through to yeah.","start":1690.465,"end":1704.07,"sentiment":"neutral","sentiment_score":0.18364770337939262},{"text":"Sometimes it takes a minute to load.","start":1704.07,"end":1705.4299,"sentiment":"neutral","sentiment_score":-0.09570145500557763}],"sentiment":"neutral","sentiment_score":0.15962085974487392,"num_words":66,"start":1622.05,"end":1705.4299},{"sentences":[{"text":"I do apologize.","start":1705.4299,"end":1706.25,"sentiment":"neutral","sentiment_score":-0.13902639846007028},{"text":"And then it does the old validation circle spinning in a pop up.","start":1706.3099,"end":1710.625,"sentiment":"neutral","sentiment_score":-0.046134866057680204},{"text":"Alright.","start":1715.4851,"end":1715.885,"sentiment":"neutral","sentiment_score":0.025007344782352448},{"text":"And then I don't know if you're trying it on the phone or the computer, but yep.","start":1715.885,"end":1722.8201,"sentiment":"neutral","sentiment_score":-0.029911003459025833},{"text":"Alright.","start":1725.68,"end":1726.0801,"sentiment":"neutral","sentiment_score":0.04999192804098129}],"sentiment":"neutral","sentiment_score":-0.04143772114600454,"num_words":35,"start":1705.4299,"end":1726.0801},{"sentences":[{"text":"And then I'm just having a bit of a refresh on the back end system here.","start":1726.0801,"end":1729.68,"sentiment":"neutral","sentiment_score":0.006811733284848742},{"text":"Can you let me know once you've hit the validate button or if it's finished loading?","start":1729.68,"end":1733.14,"sentiment":"neutral","sentiment_score":-0.0008079272811301053},{"text":"Oh, yep.","start":1736.355,"end":1739.4683,"sentiment":"neutral","sentiment_score":0.041387698613107204},{"text":"Perfect.","start":1741.5817,"end":1742.0817,"sentiment":"neutral","sentiment_score":0.1325491964817047},{"text":"Sometimes those mobile networks can be quite fast.","start":1744.195,"end":1746.6749,"sentiment":"neutral","sentiment_score":-0.008237861096858978}],"sentiment":"neutral","sentiment_score":0.005708897697501058,"num_words":43,"start":1726.0801,"end":1746.6749},{"sentences":[{"text":"Sometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty good.","start":1746.6749,"end":1753.05,"sentiment":"neutral","sentiment_score":-0.0059815571177750815},{"text":"And with the just while that's loading, Kevin, the beneficiaries that we sent through to you, is that ones that you've printed out, or was it like a postage with a return envelope?","start":1761.445,"end":1772.0249,"sentiment":"neutral","sentiment_score":0.015774767394318726},{"text":"Perfect.","start":1780.82,"end":1781.2999,"sentiment":"positive","sentiment_score":0.656420111656189},{"text":"So when that comes through, the return envelope, I believe, should be back to us.","start":1781.2999,"end":1785.08,"sentiment":"neutral","sentiment_score":0.32785456577936806},{"text":"That's come through green.","start":1785.595,"end":1786.6349,"sentiment":"neutral","sentiment_score":0.11821579188108444}],"sentiment":"neutral","sentiment_score":0.08832928695243923,"num_words":73,"start":1746.6749,"end":1786.6349},{"sentences":[{"text":"Thank you very much for doing that, Kevin.","start":1786.6349,"end":1788.475,"sentiment":"positive","sentiment_score":0.7646143659949303},{"text":"And then we'll get that back, and we'll submit that to Netwealth pretty quickly.","start":1788.475,"end":1792.575,"sentiment":"positive","sentiment_score":0.40278580146176474},{"text":"Alrighty, sir.","start":1795.5149,"end":1796.575,"sentiment":"positive","sentiment_score":0.6482267379760742},{"text":"Everything's looking pretty good.","start":1796.6349,"end":1798.075,"sentiment":"positive","sentiment_score":0.7662722915410995},{"text":"Any last questions for me before I let you go?","start":1798.075,"end":1800.63,"sentiment":"neutral","sentiment_score":0.15329824090003968}],"sentiment":"positive","sentiment_score":0.4644852947247656,"num_words":38,"start":1786.6349,"end":1800.63},{"sentences":[{"text":"Awesome.","start":1803.75,"end":1804.15,"sentiment":"positive","sentiment_score":0.7057898640632629},{"text":"Let's hope that the news settles down for the second half of the year.","start":1804.15,"end":1807.21,"sentiment":"positive","sentiment_score":0.35452376093183247},{"text":"Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up.","start":1807.35,"end":1814.025,"sentiment":"positive","sentiment_score":0.4089635524612207},{"text":"Alright.","start":1816.265,"end":1816.665,"sentiment":"positive","sentiment_score":0.6235260963439941},{"text":"Have a fantastic week.","start":1816.665,"end":1817.7051,"sentiment":"positive","sentiment_score":0.7855123728513718}],"sentiment":"positive","sentiment_score":0.43625544497500296,"num_words":46,"start":1803.75,"end":1817.7051},{"sentences":[{"text":"Anything at all, please just give us a call.","start":1817.7051,"end":1819.645,"sentiment":"neutral","sentiment_score":0.2846969597869449},{"text":"Thank you, sir.","start":1822.505,"end":1823.465,"sentiment":"positive","sentiment_score":0.61738653977712},{"text":"Bye.","start":1823.465,"end":1823.965,"sentiment":"neutral","sentiment_score":0.30098459124565125}],"sentiment":"positive","sentiment_score":0.3627243729738089,"num_words":13,"start":1817.7051,"end":1823.965}]}}]},{"alternatives":[{"transcript":"You record your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hello. Kevin speaking. Good, mate. Good. Yeah. Yeah. That's fine. Yep. That's fine. Yep. 04/14/1985 and 11 Henness Street, Point Cook, Melbourne. Yep. Yep. Yep. Sure. Right. No. Just just, I guess, just to see how how I'm going, how I'm traveling. You know? Yeah. Yeah. Yeah. That's cool. So your document has just come through now. Your email. Yep. Yep. Okay. Cool. So there's a little sign doc there's a sign document at the bottom of the email. Is that what you want me to put? Yep. Cool. Alright. So I've opened it up, and then I've just got summary of Superannuation as the 06/23/2026. Okay. Oh, now and again, I I sort of sort of pop in and just have a look to see how I'm going. You know? Okay. Alright. Okay. Cool. Just give me a next. Okay. Cool. So I've got the Netwealth Asset Performance details here. What what what did I need to have a look at? Okay. I am. Yes. Yes. I am. Yep. Yep. Yes. Yep. Yep. Yep. Okay. Okay. Okay. Yeah. Yep. Yep. Yeah. No. Of course. Of course. Yep. Alright. Okay. Cool. Yeah. Yeah. No. It makes it makes a lot of sense. Yeah. Well, since I'm still very young, I feel that we can sort of take, I guess, the risks that we need to. I think the last time I spoke to one of the advisers, we had a chat about it, and she sort of mentioned to me that I'm fully young in this sort of great stages. You know, obviously, I'm in my forties, but we we could still sort of take those, obviously, not not riskier sort of steps, but, you know, I mean, no. I'm not retiring tomorrow, so we can sort of just stay in the same sort of course we're on at the moment. And, obviously, we see well, obviously yeah. Look, I've only been in the country sort of, you know, over ten years now. So I'm trying to catch up to everybody else because, you know, all the other countries I still worked in didn't have this sort of super that the employees pay, you know, into your super top thing. So I'm I'm I'm kinda just trying to catch up with everybody else. But, yeah, look, I'm I'm I'm pretty happy the way we're going at the moment. If I obviously get to my sixties and, yep, I can sort of retire, we'll sort of look at it then. But at the moment, I'm I'm pretty happy with the way it's going at the you know, it's going yeah. Yep. Yep. Yep. Ross. Yep. Yeah. Yep. Okay. Cool. Yeah. No. Definitely. Yep. No. Of course. Yeah. Yep. What do you mean as a salary sacrifice? Yeah. Look. Yeah. I'm I'm I'm kinda sort of I will think about maybe adding another $100 in if I can. Obviously, I've just got a my partner, I are sort of she I've just moved in with her, and we're obviously getting a finances sort of sort of together. And, obviously, we'll start paying off this house together topping. So I'll have to just see how I'm going that way. I might look into adding some more money each month as a salary sacrifice. But at the moment, I'm just sticking to the $200 a month, I think, whatever it is. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Obviously, there's that share that, obviously, there was a massive loss to it. As long as we keep on looking at, you know, things that could happen, like, we just sort of keep on keep on it and just sort of move to something that's more more feasible. Obviously, when COVID hit, we lost we lost a lot of money, and that's obviously because there's nothing we can do about that. But as long as my concern is that we just keep an eye on on things and see how they're tracking so we're not sitting in with every share sort of, you know, in the in the rear, you know, in the rear top thing. That's all. Yep. Yep. Yeah. Yeah. And of course. Okay. Yeah. Of course. Yeah. No. Of course. Yeah. No. That sounds fine. Yep. Oh, no. No. No. She's she she purchased it with her her sort of late husband, and he obviously passed away about a year ago. So I've sort of moved in, you know, just so we can sort of be together. But she's obviously had the idea that, you know, that she wants to make this place my place something. Obviously, I've not come in and just sort of seen an opportunity to sort of, you know, get a property for myself type thing. This is obviously all her ideas and what she's been thinking. So yeah. So she sort of bought the property, obviously, a couple of years ago now. And, obviously, she's slowly been trying to pay it off by herself for a while, because her late husband sort of had mental health problems and wasn't working. So she's obviously been battling. But, obviously, yes, I'll be looking forward to sort of putting a lump sum into this property to sort of help her bring down those costs each month so her repayments aren't so high. Yeah. Well, building the same deal. Look, I do pay rent every every every week or every time I get paid just to sort of cover, you know, bills that that that we've got since that that sort of interest. She's not sort of using her own money to sort of, you know, spend for everything. But yeah. And I am building a I'm trying to build up a hold up some, you know, cash just so I can help her with you know, when that time comes and I put my money into her home loan, it's it's it's all good. You know? Sure. I've got about a 160,000 in savings. But that's yeah. No. That's just, you know, that's just a a sort of account that sort of matures on its own. Because, obviously, every every six to eight months, it sort of matures. And then, obviously, I'll get, you know, I'll get interest that is paid back into my account of that money. So that money is something that I'm I'm trying not to touch. I want that to sort of do its thing, and I'll just totally forget about it while it's doing its thing. You know? But, obviously yeah. Yeah. Well, I'm I'm trying to pull up a separate separate amount to decide. So yeah. No. No. No. Just just the card and the credit card that I pay off when I need to I use when I need to. That sort of thing. Yep. Shit. Let me just bring up my next my last payslip. Give me two seconds. Yep. It is. Yeah. Well, it it's same employee, but they've changed the names. It's it's sort of now a very new group that I work for. So it's we still we still have, obviously, the apartments in the name. We're still using that name, but they've moved both they've moved both sort of both sort of hotels under both both name hotels under the one one one name of Berry Group. I'm just looking at my Facebook. I'm just trying to find where my what I have, what I'm also make every every like, what my annual income will be. So financial dates. Well, I'm I'm sort of making I think it's about $38 an hour, roughly. Yeah. Yeah. Yeah. Yeah. At the moment, it's I'm working hang on. I'm actually on work cover at the moment, but I was I was on sort of part time. But before, obviously, gone on to not gone on to work cover till I was obviously forced to go to work cover. But, obviously, I still get paid through the insurance company, that sort of thing. But at the moment, I'm sort of part time. But when I get back to work, I'm looking at sort of moving back to a full time basis. So it will be yeah. Yeah. I'm I'm I'm, yeah, I'm guessing less than 50. Yeah. Okay. Yep. Oh, shit. Yeah. It's put 45 in, just to be safe. Yep. Yeah. Yeah. Yeah. No. No. No. No. I want I want I want that to keep the 200 as a minimum. Look, if I completely run into trouble, then we'll organize and move it down to a 100. But I will I'll just talk to sort of, you know, payroll in the company and just sort of say, look, you know, we want to just move it back to a $100, you know, a month, something. Oh, look. I'm just building that up as I can. So I don't have any sort of I'll just try and move money across to separate sort of account and just let that build and and, you know, only take that out if I absolutely need to emergencies and stuff. So yeah. No. I haven't done. I've I've actually well, I've got I've got my I haven't got a wheel in place, but I do have the super beneficial form that was sent to me since through the post. So I'll obviously just fill this out, and then I'll just send it off with my beneficiary. Okay. Right. Right. Okay. Okay. Right. Because I do. Yes. Oh, well, at the moment, the factory. Yeah. Yeah. It's it's Caroline. Yes, sis. Caroline McDonough. So it's m c d o just give me two seconds because I always get this wrong and she hates it because if it's misspelled. Yeah. It no. No. No. It's it's it's either two l's and one n or two n's and one l type thing. I just want to get yeah. Yeah. It's one of those things. So I'm just trying to try and find a a bowl with her name on it. So Nope. Nope. Give me two seconds. I won't be long. Okay. So it's m c b o n e, l l. Yeah. Yeah. Yeah. That's alright. Right. Okay. Right. Okay. Okay. Cool. Sweet. I'll yep. Definitely. Yep. Yeah. You can we can we can look at getting some quotes and seeing what we what's available. Nine digits now. Yeah. No. Of course. Yeah. Yeah. Of course. Yeah. Yeah. Let's go to the next the next next catch up. It's fine. Yeah. Yeah. No. I'll I'll I'll keep an eye on it and see how we're going. And then I'll, if I need to, I'll just give you guys a call and just sort of just talk through a few things. If something comes up that, obviously, I'm not I'm not happy with, I'm not sure of that sort of thing. No. No. No. No. I'm I'm I'm pretty happy with with everything that's that's going going on so far. Yeah. Yep. Yep. Yep. Okay. Right. Okay. Okay. Yeah. Right. Okay. No. No. All good. Okay. Right. Okay. Cool. So I'm on the I'm on the it says here, sort of, click to start. And, obviously, I've got full name, signature, dates of, obviously, dates as today. Yep. Right. Okay. Okay. Right. Right. Okay. Okay. This is going through this here. Twenty third of the sixth two thousand twenty six. Cool. So I've found I've found that one. I'm just looking now. Now. Next. Okay. Next. Okay. Okay. Next documents. Okay. Optional profile. Okay. Cool. That's signed. That's document. Okay. Authorization to search of lost super. Okay. Find document. Okay. Cool. That's it. I've I've found all the documents. Yep. Yep. Yep. Yep. K. I've clicked that button. Well, it validates. Alright. Sorry. Yep. No. And I'm doing good on the computer. So, yeah, I see it. No. I have. I have. I have. It's just it's loading now. So it's doing the thing. Yeah. No. It was a postage. So it's a postage and then, obviously, it's got a return. It's got a a return. Alright. Cool. So it's signed. Yep. Yep. Cool. Awesome. No. No. I'm I'm I'm all good. Thanks, mate. Appreciate it. Awesome. 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I'll see if this person is available. Thanks. Please stay on the line. Hello.\n\nKevin speaking. Good, mate. Good. Yeah. Yeah.\n\nThat's fine. Yep. That's fine. Yep. 04/14/1985 and 11 Henness Street, Point Cook, Melbourne.\n\nYep. Yep. Yep. Sure. Right.\n\nNo. Just just, I guess, just to see how how I'm going, how I'm traveling. You know? Yeah. Yeah.\n\nYeah. That's cool. So your document has just come through now. Your email. Yep.\n\nYep. Okay. Cool. So there's a little sign doc there's a sign document at the bottom of the email. Is that what you want me to put?\n\nYep. Cool. Alright. So I've opened it up, and then I've just got summary of Superannuation as the 06/23/2026. Okay.\n\nOh, now and again, I I sort of sort of pop in and just have a look to see how I'm going. You know? Okay. Alright. Okay.\n\nCool. Just give me a next. Okay. Cool. So I've got the Netwealth Asset Performance details here.\n\nWhat what what did I need to have a look at? Okay. I am. Yes. Yes.\n\nI am. Yep. Yep. Yes. Yep.\n\nYep. Yep. Okay. Okay. Okay.\n\nYeah. Yep. Yep. Yeah. No.\n\nOf course. Of course. Yep. Alright. Okay.\n\nCool. Yeah. Yeah. No. It makes it makes a lot of sense.\n\nYeah. Well, since I'm still very young, I feel that we can sort of take, I guess, the risks that we need to. I think the last time I spoke to one of the advisers, we had a chat about it, and she sort of mentioned to me that I'm fully young in this sort of great stages. You know, obviously, I'm in my forties, but we we could still sort of take those, obviously, not not riskier sort of steps, but, you know, I mean, no. I'm not retiring tomorrow, so we can sort of just stay in the same sort of course we're on at the moment.\n\nAnd, obviously, we see well, obviously yeah. Look, I've only been in the country sort of, you know, over ten years now. So I'm trying to catch up to everybody else because, you know, all the other countries I still worked in didn't have this sort of super that the employees pay, you know, into your super top thing. So I'm I'm I'm kinda just trying to catch up with everybody else. But, yeah, look, I'm I'm I'm pretty happy the way we're going at the moment.\n\nIf I obviously get to my sixties and, yep, I can sort of retire, we'll sort of look at it then. But at the moment, I'm I'm pretty happy with the way it's going at the you know, it's going yeah. Yep. Yep. Yep.\n\nRoss. Yep. Yeah. Yep. Okay.\n\nCool. Yeah. No. Definitely. Yep.\n\nNo. Of course. Yeah. Yep. What do you mean as a salary sacrifice?\n\nYeah. Look. Yeah. I'm I'm I'm kinda sort of I will think about maybe adding another $100 in if I can. Obviously, I've just got a my partner, I are sort of she I've just moved in with her, and we're obviously getting a finances sort of sort of together.\n\nAnd, obviously, we'll start paying off this house together topping. So I'll have to just see how I'm going that way. I might look into adding some more money each month as a salary sacrifice. But at the moment, I'm just sticking to the $200 a month, I think, whatever it is. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Obviously, there's that share that, obviously, there was a massive loss to it. As long as we keep on looking at, you know, things that could happen, like, we just sort of keep on keep on it and just sort of move to something that's more more feasible. Obviously, when COVID hit, we lost we lost a lot of money, and that's obviously because there's nothing we can do about that.\n\nBut as long as my concern is that we just keep an eye on on things and see how they're tracking so we're not sitting in with every share sort of, you know, in the in the rear, you know, in the rear top thing. That's all. Yep. Yep. Yeah.\n\nYeah. And of course. Okay. Yeah. Of course.\n\nYeah. No. Of course. Yeah. No.\n\nThat sounds fine. Yep. Oh, no. No. No.\n\nShe's she she purchased it with her her sort of late husband, and he obviously passed away about a year ago. So I've sort of moved in, you know, just so we can sort of be together. But she's obviously had the idea that, you know, that she wants to make this place my place something. Obviously, I've not come in and just sort of seen an opportunity to sort of, you know, get a property for myself type thing. This is obviously all her ideas and what she's been thinking.\n\nSo yeah. So she sort of bought the property, obviously, a couple of years ago now. And, obviously, she's slowly been trying to pay it off by herself for a while, because her late husband sort of had mental health problems and wasn't working. So she's obviously been battling. But, obviously, yes, I'll be looking forward to sort of putting a lump sum into this property to sort of help her bring down those costs each month so her repayments aren't so high.\n\nYeah. Well, building the same deal. Look, I do pay rent every every every week or every time I get paid just to sort of cover, you know, bills that that that we've got since that that sort of interest. She's not sort of using her own money to sort of, you know, spend for everything. But yeah.\n\nAnd I am building a I'm trying to build up a hold up some, you know, cash just so I can help her with you know, when that time comes and I put my money into her home loan, it's it's it's all good. You know? Sure. I've got about a 160,000 in savings. But that's yeah.\n\nNo. That's just, you know, that's just a a sort of account that sort of matures on its own. Because, obviously, every every six to eight months, it sort of matures. And then, obviously, I'll get, you know, I'll get interest that is paid back into my account of that money. So that money is something that I'm I'm trying not to touch.\n\nI want that to sort of do its thing, and I'll just totally forget about it while it's doing its thing. You know? But, obviously yeah. Yeah. Well, I'm I'm trying to pull up a separate separate amount to decide.\n\nSo yeah. No. No. No. Just just the card and the credit card that I pay off when I need to I use when I need to.\n\nThat sort of thing. Yep. Shit. Let me just bring up my next my last payslip. Give me two seconds.\n\nYep. It is. Yeah. Well, it it's same employee, but they've changed the names. It's it's sort of now a very new group that I work for.\n\nSo it's we still we still have, obviously, the apartments in the name. We're still using that name, but they've moved both they've moved both sort of both sort of hotels under both both name hotels under the one one one name of Berry Group. I'm just looking at my Facebook. I'm just trying to find where my what I have, what I'm also make every every like, what my annual income will be. So financial dates.\n\nWell, I'm I'm sort of making I think it's about $38 an hour, roughly. Yeah. Yeah. Yeah. Yeah.\n\nAt the moment, it's I'm working hang on. I'm actually on work cover at the moment, but I was I was on sort of part time. But before, obviously, gone on to not gone on to work cover till I was obviously forced to go to work cover. But, obviously, I still get paid through the insurance company, that sort of thing. But at the moment, I'm sort of part time.\n\nBut when I get back to work, I'm looking at sort of moving back to a full time basis. So it will be yeah. Yeah. I'm I'm I'm, yeah, I'm guessing less than 50. Yeah.\n\nOkay. Yep. Oh, shit. Yeah. It's put 45 in, just to be safe.\n\nYep. Yeah. Yeah. Yeah. No.\n\nNo. No. No. I want I want I want that to keep the 200 as a minimum. Look, if I completely run into trouble, then we'll organize and move it down to a 100.\n\nBut I will I'll just talk to sort of, you know, payroll in the company and just sort of say, look, you know, we want to just move it back to a $100, you know, a month, something. Oh, look. I'm just building that up as I can. So I don't have any sort of I'll just try and move money across to separate sort of account and just let that build and and, you know, only take that out if I absolutely need to emergencies and stuff. So yeah.\n\nNo. I haven't done. I've I've actually well, I've got I've got my I haven't got a wheel in place, but I do have the super beneficial form that was sent to me since through the post. So I'll obviously just fill this out, and then I'll just send it off with my beneficiary. Okay.\n\nRight. Right. Okay. Okay. Right.\n\nBecause I do. Yes. Oh, well, at the moment, the factory. Yeah. Yeah.\n\nIt's it's Caroline. Yes, sis. Caroline McDonough. So it's m c d o just give me two seconds because I always get this wrong and she hates it because if it's misspelled. Yeah.\n\nIt no. No. No. It's it's it's either two l's and one n or two n's and one l type thing. I just want to get yeah.\n\nYeah. It's one of those things. So I'm just trying to try and find a a bowl with her name on it. So Nope. Nope.\n\nGive me two seconds. I won't be long. Okay. So it's m c b o n e, l l. Yeah.\n\nYeah. Yeah. That's alright. Right. Okay.\n\nRight. Okay. Okay. Cool. Sweet.\n\nI'll yep. Definitely. Yep. Yeah. You can we can we can look at getting some quotes and seeing what we what's available.\n\nNine digits now. Yeah. No. Of course. Yeah.\n\nYeah. Of course. Yeah. Yeah. Let's go to the next the next next catch up.\n\nIt's fine. Yeah. Yeah. No. I'll I'll I'll keep an eye on it and see how we're going.\n\nAnd then I'll, if I need to, I'll just give you guys a call and just sort of just talk through a few things. If something comes up that, obviously, I'm not I'm not happy with, I'm not sure of that sort of thing. No. No. No.\n\nNo. I'm I'm I'm pretty happy with with everything that's that's going going on so far. Yeah. Yep. Yep.\n\nYep. Okay. Right. Okay. Okay.\n\nYeah. Right. Okay. No. No.\n\nAll good. Okay. Right. Okay. Cool.\n\nSo I'm on the I'm on the it says here, sort of, click to start. And, obviously, I've got full name, signature, dates of, obviously, dates as today. Yep. Right. Okay.\n\nOkay. Right. Right. Okay. Okay.\n\nThis is going through this here. Twenty third of the sixth two thousand twenty six. Cool. So I've found I've found that one. I'm just looking now.\n\nNow. Next. Okay. Next. Okay.\n\nOkay. Next documents. Okay. Optional profile. Okay.\n\nCool. That's signed. That's document. Okay. Authorization to search of lost super.\n\nOkay. Find document. Okay. Cool. That's it.\n\nI've I've found all the documents. Yep. Yep. Yep. Yep.\n\nK. I've clicked that button. Well, it validates. Alright. Sorry.\n\nYep. No. And I'm doing good on the computer. So, yeah, I see it. No.\n\nI have. I have. I have. It's just it's loading now. So it's doing the thing.\n\nYeah. No. It was a postage. So it's a postage and then, obviously, it's got a return. It's got a a return.\n\nAlright. Cool. So it's signed. Yep. Yep.\n\nCool. Awesome. No. No. I'm I'm I'm all good.\n\nThanks, mate. Appreciate it. Awesome. Sounds good, mate. Will do.\n\nThanks, man. Appreciate it. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.08,"end":2.48,"sentiment":"neutral","sentiment_score":0.002171127707697451},{"text":"I'll see if this person is available.","start":2.48,"end":4.26,"sentiment":"neutral","sentiment_score":0.01191920627440725},{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.34148043394088745},{"text":"Please stay on the line.","start":13.695,"end":15.075,"sentiment":"neutral","sentiment_score":0.1766893297433853},{"text":"Hello.","start":18.335,"end":18.835,"sentiment":"neutral","sentiment_score":0.08022117614746094}],"sentiment":"neutral","sentiment_score":0.06390689656307752,"num_words":22,"start":0.08,"end":18.835},{"sentences":[{"text":"Kevin speaking.","start":18.895,"end":19.715,"sentiment":"neutral","sentiment_score":0.06650462746620178},{"text":"Good, mate.","start":25.295,"end":25.855,"sentiment":"positive","sentiment_score":0.447518989443779},{"text":"Good.","start":25.855,"end":26.355,"sentiment":"positive","sentiment_score":0.5265213847160339},{"text":"Yeah.","start":31.31,"end":31.47,"sentiment":"neutral","sentiment_score":0.0939263105392456},{"text":"Yeah.","start":31.47,"end":31.71,"sentiment":"neutral","sentiment_score":0.13270993530750275}],"sentiment":"neutral","sentiment_score":0.2544578377689634,"num_words":7,"start":18.895,"end":31.71},{"sentences":[{"text":"That's fine.","start":31.71,"end":32.449997,"sentiment":"neutral","sentiment_score":0.277896448969841},{"text":"Yep.","start":43.114998,"end":43.515,"sentiment":"neutral","sentiment_score":0.08061236143112183},{"text":"That's fine.","start":43.515,"end":44.254997,"sentiment":"neutral","sentiment_score":0.22631916403770447},{"text":"Yep.","start":54.710003,"end":55.210003,"sentiment":"neutral","sentiment_score":0.01156768761575222},{"text":"04/14/1985 and 11 Henness Street, Point Cook, Melbourne.","start":55.59,"end":61.77,"sentiment":"neutral","sentiment_score":0.034290906274691224}],"sentiment":"neutral","sentiment_score":0.09820989466139249,"num_words":14,"start":31.71,"end":61.77},{"sentences":[{"text":"Yep.","start":79.435,"end":79.935,"sentiment":"neutral","sentiment_score":0.050722576677799225},{"text":"Yep.","start":81.755,"end":82.075,"sentiment":"neutral","sentiment_score":0.02214587479829788},{"text":"Yep.","start":82.075,"end":82.395,"sentiment":"neutral","sentiment_score":0.03980115428566933},{"text":"Sure.","start":82.395,"end":82.89,"sentiment":"neutral","sentiment_score":0.13836991786956787},{"text":"Right.","start":94.57,"end":95.07,"sentiment":"neutral","sentiment_score":0.023573793470859528}],"sentiment":"neutral","sentiment_score":0.054922663420438764,"num_words":5,"start":79.435,"end":95.07},{"sentences":[{"text":"No.","start":99.905,"end":100.305,"sentiment":"neutral","sentiment_score":-0.05632784590125084},{"text":"Just just, I guess, just to see how how I'm going, how I'm traveling.","start":100.305,"end":106.145,"sentiment":"neutral","sentiment_score":-0.036566813343337605},{"text":"You know?","start":106.145,"end":106.805,"sentiment":"neutral","sentiment_score":-0.017512510530650616},{"text":"Yeah.","start":109.104996,"end":109.5,"sentiment":"neutral","sentiment_score":0.006941508501768112},{"text":"Yeah.","start":110.7,"end":110.94,"sentiment":"neutral","sentiment_score":0.08900035917758942}],"sentiment":"neutral","sentiment_score":-0.026702441373153737,"num_words":19,"start":99.905,"end":110.94},{"sentences":[{"text":"Yeah.","start":110.94,"end":111.18,"sentiment":"neutral","sentiment_score":0.151832714676857},{"text":"That's cool.","start":111.18,"end":112.0,"sentiment":"positive","sentiment_score":0.34423115849494934},{"text":"So your document has just come through now.","start":112.06,"end":115.36,"sentiment":"neutral","sentiment_score":0.2761464789509773},{"text":"Your 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I I sort of sort of pop in and just have a look to see how I'm going.","start":185.69499,"end":190.495,"sentiment":"neutral","sentiment_score":0.06334323486821218},{"text":"You know?","start":190.495,"end":191.155,"sentiment":"neutral","sentiment_score":0.03265593759715557},{"text":"Okay.","start":197.49,"end":197.99,"sentiment":"neutral","sentiment_score":0.013192949816584589},{"text":"Alright.","start":210.815,"end":211.215,"sentiment":"neutral","sentiment_score":0.0660647451877594},{"text":"Okay.","start":211.215,"end":211.615,"sentiment":"neutral","sentiment_score":0.11290550231933594}],"sentiment":"neutral","sentiment_score":0.06114911998587626,"num_words":27,"start":185.69499,"end":211.615},{"sentences":[{"text":"Cool.","start":211.615,"end":211.855,"sentiment":"neutral","sentiment_score":0.1949818879365921},{"text":"Just give me a 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of sense.","start":397.17,"end":398.69,"sentiment":"neutral","sentiment_score":0.14663407765328884}],"sentiment":"neutral","sentiment_score":0.1715758324911197,"num_words":12,"start":383.30502,"end":398.69},{"sentences":[{"text":"Yeah.","start":398.69,"end":399.19,"sentiment":"neutral","sentiment_score":0.20429569482803345},{"text":"Well, since I'm still very young, I feel that we can sort of take, I guess, the risks that we need to.","start":419.36002,"end":428.32,"sentiment":"neutral","sentiment_score":-0.11237559535286644},{"text":"I think the last time I spoke to one of the advisers, we had a chat about it, and she sort of mentioned to me that I'm fully young in this sort of great stages.","start":428.32,"end":438.855,"sentiment":"neutral","sentiment_score":0.029927185071366175},{"text":"You know, obviously, I'm in my forties, but we we could still sort of take those, obviously, not not riskier sort of steps, but, you know, I mean, 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now.","start":1653.36,"end":1654.66,"sentiment":"neutral","sentiment_score":0.21475885808467865}],"sentiment":"neutral","sentiment_score":0.16630995880674432,"num_words":27,"start":1640.4,"end":1654.66},{"sentences":[{"text":"Now.","start":1657.135,"end":1657.2151,"sentiment":"neutral","sentiment_score":0.1037166714668274},{"text":"Next.","start":1657.2151,"end":1657.7151,"sentiment":"neutral","sentiment_score":0.05167420953512192},{"text":"Okay.","start":1658.175,"end":1658.495,"sentiment":"neutral","sentiment_score":0.0483689047396183},{"text":"Next.","start":1658.495,"end":1658.995,"sentiment":"neutral","sentiment_score":0.03336165100336075},{"text":"Okay.","start":1660.895,"end":1661.395,"sentiment":"neutral","sentiment_score":0.03739070892333984}],"sentiment":"neutral","sentiment_score":0.05490242913365364,"num_words":5,"start":1657.135,"end":1661.395},{"sentences":[{"text":"Okay.","start":1662.8151,"end":1663.055,"sentiment":"neutral","sentiment_score":0.03721044957637787},{"text":"Next 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document.","start":1674.16,"end":1674.98,"sentiment":"neutral","sentiment_score":0.12716293334960938},{"text":"Okay.","start":1675.76,"end":1676.26,"sentiment":"neutral","sentiment_score":0.06185232102870941},{"text":"Authorization to search of lost super.","start":1676.48,"end":1678.8201,"sentiment":"neutral","sentiment_score":0.06359297906359036}],"sentiment":"neutral","sentiment_score":0.12184995226562023,"num_words":12,"start":1670.96,"end":1678.8201},{"sentences":[{"text":"Okay.","start":1679.28,"end":1679.78,"sentiment":"neutral","sentiment_score":0.0697634220123291},{"text":"Find document.","start":1681.28,"end":1682.5801,"sentiment":"neutral","sentiment_score":0.07514195144176483},{"text":"Okay.","start":1685.295,"end":1685.535,"sentiment":"neutral","sentiment_score":0.17350760102272034},{"text":"Cool.","start":1685.535,"end":1686.015,"sentiment":"neutral","sentiment_score":0.3134693503379822},{"text":"That's it.","start":1686.015,"end":1686.5751,"sentiment":"neutral","sentiment_score":0.25800684094429016}],"sentiment":"neutral","sentiment_score":0.1747197083064488,"num_words":7,"start":1679.28,"end":1686.5751},{"sentences":[{"text":"I've I've found all the documents.","start":1686.5751,"end":1688.995,"sentiment":"neutral","sentiment_score":0.3056626220544179},{"text":"Yep.","start":1694.975,"end":1695.295,"sentiment":"neutral","sentiment_score":0.11461638659238815},{"text":"Yep.","start":1695.295,"end":1695.615,"sentiment":"neutral","sentiment_score":0.08470241725444794},{"text":"Yep.","start":1695.615,"end":1695.935,"sentiment":"neutral","sentiment_score":0.07849466800689697},{"text":"Yep.","start":1695.935,"end":1696.435,"sentiment":"neutral","sentiment_score":0.0698544830083847}],"sentiment":"neutral","sentiment_score":0.21816436871886252,"num_words":10,"start":1686.5751,"end":1696.435},{"sentences":[{"text":"K.","start":1699.74,"end":1700.14,"sentiment":"neutral","sentiment_score":0.056784488260746},{"text":"I've clicked that button.","start":1700.14,"end":1701.42,"sentiment":"neutral","sentiment_score":0.09940439276397228},{"text":"Well, it validates.","start":1701.42,"end":1702.64,"sentiment":"neutral","sentiment_score":0.14689409484465918},{"text":"Alright.","start":1706.86,"end":1707.36,"sentiment":"neutral","sentiment_score":-0.03720659762620926},{"text":"Sorry.","start":1707.5,"end":1708.0,"sentiment":"neutral","sentiment_score":-0.0901256948709488}],"sentiment":"neutral","sentiment_score":0.07677520513534546,"num_words":10,"start":1699.74,"end":1708.0},{"sentences":[{"text":"Yep.","start":1711.42,"end":1711.92,"sentiment":"neutral","sentiment_score":0.016388561576604843},{"text":"No.","start":1720.0049,"end":1720.1649,"sentiment":"neutral","sentiment_score":-0.1257713884115219},{"text":"And I'm doing good on the computer.","start":1720.1649,"end":1721.705,"sentiment":"neutral","sentiment_score":0.1267680429986545},{"text":"So, yeah, I see 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thing.","start":1735.7001,"end":1737.2401,"sentiment":"neutral","sentiment_score":0.022484090365469455}],"sentiment":"neutral","sentiment_score":0.011028152192011476,"num_words":16,"start":1732.5801,"end":1737.2401},{"sentences":[{"text":"Yeah.","start":1752.455,"end":1752.955,"sentiment":"neutral","sentiment_score":0.18136122822761536},{"text":"No.","start":1771.15,"end":1771.47,"sentiment":"neutral","sentiment_score":-0.08385610580444336},{"text":"It was a postage.","start":1771.47,"end":1772.45,"sentiment":"neutral","sentiment_score":-0.08167167752981186},{"text":"So it's a postage and then, obviously, it's got a return.","start":1772.825,"end":1776.025,"sentiment":"neutral","sentiment_score":0.044464903883636},{"text":"It's got a a return.","start":1776.025,"end":1777.725,"sentiment":"neutral","sentiment_score":0.07601599842309952}],"sentiment":"neutral","sentiment_score":0.029091470324519007,"num_words":22,"start":1752.455,"end":1777.725},{"sentences":[{"text":"Alright.","start":1778.105,"end":1778.345,"sentiment":"neutral","sentiment_score":0.2363334745168686},{"text":"Cool.","start":1778.345,"end":1778.825,"sentiment":"positive","sentiment_score":0.43939557671546936},{"text":"So it's signed.","start":1778.825,"end":1779.725,"sentiment":"positive","sentiment_score":0.3598252634207408},{"text":"Yep.","start":1785.465,"end":1785.865,"sentiment":"neutral","sentiment_score":0.09691538661718369},{"text":"Yep.","start":1785.865,"end":1786.32,"sentiment":"neutral","sentiment_score":0.08875199407339096}],"sentiment":"neutral","sentiment_score":0.27726746031216215,"num_words":7,"start":1778.105,"end":1786.32},{"sentences":[{"text":"Cool.","start":1789.44,"end":1789.94,"sentiment":"neutral","sentiment_score":0.23073194921016693},{"text":"Awesome.","start":1793.44,"end":1793.94,"sentiment":"positive","sentiment_score":0.6872888803482056},{"text":"No.","start":1800.915,"end":1801.0751,"sentiment":"neutral","sentiment_score":-0.0843753069639206},{"text":"No.","start":1801.0751,"end":1801.395,"sentiment":"neutral","sentiment_score":-0.11025355756282806},{"text":"I'm I'm I'm all good.","start":1801.395,"end":1802.515,"sentiment":"neutral","sentiment_score":0.12660838961601256}],"sentiment":"neutral","sentiment_score":0.15071487923463187,"num_words":9,"start":1789.44,"end":1802.515},{"sentences":[{"text":"Thanks, mate.","start":1802.515,"end":1803.155,"sentiment":"positive","sentiment_score":0.6907535195350647},{"text":"Appreciate it.","start":1803.155,"end":1804.135,"sentiment":"positive","sentiment_score":0.661801666021347},{"text":"Awesome.","start":1814.53,"end":1815.01,"sentiment":"positive","sentiment_score":0.7922375798225403},{"text":"Sounds good, mate.","start":1815.01,"end":1815.99,"sentiment":"positive","sentiment_score":0.8095648090044657},{"text":"Will do.","start":1820.93,"end":1821.3301,"sentiment":"positive","sentiment_score":0.42279277741909027}],"sentiment":"positive","sentiment_score":0.6771627932786941,"num_words":10,"start":1802.515,"end":1821.3301},{"sentences":[{"text":"Thanks, man.","start":1821.3301,"end":1822.13,"sentiment":"positive","sentiment_score":0.6659641563892365},{"text":"Appreciate it.","start":1822.13,"end":1823.11,"sentiment":"positive","sentiment_score":0.6565720438957214},{"text":"Thanks.","start":1824.29,"end":1824.6901,"sentiment":"positive","sentiment_score":0.5135898590087891},{"text":"Bye.","start":1824.6901,"end":1825.1901,"sentiment":"neutral","sentiment_score":-0.08691161870956421}],"sentiment":"positive","sentiment_score":0.5119584401448568,"num_words":6,"start":1821.3301,"end":1825.1901}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You record your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Tommy, Oakview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello. Kevin speaking.\n\nChannel 0: Kevin, good afternoon, sir. It's Tommy here, senior adviser from Oakview. How are you going?\n\nChannel 1: Good, mate. Good.\n\nChannel 0: Good to hear. Good to hear. I'm just giving you a call to go through your annual review if you still got a minute.\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Fantastic. So I've got a bit of a email pack to send through to you. Before I do that, I'm just gonna do a quick security check with you. Mate, are you okay for the call to be recorded today?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Amazing. And just for the security of your info, I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Yep. 04/14/1985 and 11 Henness Street, Point Cook, Melbourne.\n\nChannel 0: Fantastic. Thank you very much for doing that. Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today. I'm gonna pop through this email to your Hotmail address. Will you\n\nChannel 1: Yep.\n\nChannel 0: be able to access the documents with me today?\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: Perfect. So I'm gonna pop this through now. It should come through pretty quickly. If it is your first time with our new system, it may go to your spam folder. So just have a little double check of both for me.\n\nAnd,\n\nChannel 1: Right.\n\nChannel 0: mate, while you're doing that, anything in particular you're hoping to get out of this year's review?\n\nChannel 1: No. Just just, I guess, just to see how how I'm going, how I'm traveling. You know?\n\nChannel 0: Yeah. Just a bit of a general update given everything that's\n\nChannel 1: Yeah.\n\nChannel 0: going on in the world.\n\nChannel 1: Yeah. Yeah. That's cool. So your document has just come through now.\n\nChannel 0: Perfect. So\n\nChannel 1: Your\n\nChannel 0: just\n\nChannel 1: email.\n\nChannel 0: to let you know what's come through is our new auto sign system that we kind of custom built for ourselves. It\n\nChannel 1: Yep.\n\nChannel 0: gives you attachments down the bottom like any other email, which is things like your financial services guide, updated licensee information, complaints procedure, and privacy. And we've also\n\nChannel 1: Yep.\n\nChannel 0: got a bit of a assign now link, which will take you through the annual review pack. If you can just click on that one for me and just let me know once the first document pops up,\n\nChannel 1: Okay.\n\nChannel 0: we'll kinda\n\nChannel 1: Cool.\n\nChannel 0: just\n\nChannel 1: So\n\nChannel 0: run\n\nChannel 1: there's\n\nChannel 0: through that\n\nChannel 1: a little\n\nChannel 0: together.\n\nChannel 1: sign doc there's a sign document at the bottom of the email. Is that\n\nChannel 0: Yep.\n\nChannel 1: what you\n\nChannel 0: So\n\nChannel 1: want\n\nChannel 0: if you\n\nChannel 1: me to\n\nChannel 0: hit\n\nChannel 1: put?\n\nChannel 0: that, it'll\n\nChannel 1: Yep.\n\nChannel 0: basically ask for consent and then bring up all of the review documents. And what we're gonna do is not gonna sign anything right now. We're just gonna have a scroll through together and make sure you're comfortable with everything first.\n\nChannel 1: Cool. Alright. So I've opened it up, and then I've just got summary of Superannuation as the 06/23/2026.\n\nChannel 0: Perfect. Perfect. So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today.\n\nChannel 1: Okay.\n\nChannel 0: Do you usually log in to your Netwealth super frequently?\n\nChannel 1: Oh, now and again, I I sort of sort of pop in and just have a look to see how I'm going. You know?\n\nChannel 0: Yep. So I really wanted to start there because there was a change on your account that we made a couple of months ago, which\n\nChannel 1: Okay.\n\nChannel 0: has kind of just kind of righted the course a little bit. So if you can have a scroll down for me, past the super summary, you'll see a Netwealth asset performance document. I don't know if you can make out the figures in that table for me.\n\nChannel 1: Alright. Okay. Cool. Just give me a next. Okay.\n\nCool. So I've got the Netwealth Asset Performance details here.\n\nChannel 0: Yep.\n\nChannel 1: What\n\nChannel 0: Perfect.\n\nChannel 1: what what did I need to have a look at?\n\nChannel 0: So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do. So as a bit of an update, a year ago, you were sitting at about 128,000. You had\n\nChannel 1: Okay.\n\nChannel 0: about $10 worth of contributions clear the account after taxes because you're doing a bit of salary sacrifice still,\n\nChannel 1: I\n\nChannel 0: I believe.\n\nChannel 1: am. Yes. Yes.\n\nChannel 0: You got about 200\n\nChannel 1: I\n\nChannel 0: a month.\n\nChannel 1: am.\n\nChannel 0: Now beyond that change, we had most of the investments on that table. If you look at the right hand side,\n\nChannel 1: Yep.\n\nChannel 0: very right hand column, you'll see a return percentage.\n\nChannel 1: Yep.\n\nChannel 0: Now you can see the first one there has got the minus 17, and the rest\n\nChannel 1: Yes.\n\nChannel 0: of them are all in positive figures, three, six, 99, ten ten, seventeen, eighty two.\n\nChannel 1: Yep.\n\nChannel 0: They've all pretty much had huge returns across, you know, gold, shares, different asset classes. That one Australian shares option at the top was having a bit of a dive a bit quicker than the rest of the market because the market dropped in February and March. This one went down a little bit faster than the other options, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to\n\nChannel 1: Okay.\n\nChannel 0: sign off on it. Just in this particular case, because of some issues we discovered with the fund manager themselves, we didn't believe that it was gonna kind of catch back up to the rest of the pack. So\n\nChannel 1: Okay.\n\nChannel 0: our investment committee made a decision across all clients to divest you from that option and switch\n\nChannel 1: Okay.\n\nChannel 0: you across into a lower fee option with better performance.\n\nChannel 1: Yeah.\n\nChannel 0: So that's the one directly underneath it, which has only been going for a couple of months here, but you can see underneath the Bennelong option, you can see beta shares Australia 200, and that's the one that's just jumped up almost 4% in the last six weeks.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what I was going to do today was basically, again, talk about divesting from that option, but we've already done that because we found it important enough to to kind of jump ahead and do it before any further concerns arose.\n\nChannel 1: Yeah. No. Of course. Of course.\n\nChannel 0: Now what that kind of means for you is, like I mentioned, you were sitting in a 128,000. You had just over 10 of contributions clear after tax, and you've\n\nChannel 1: Yep.\n\nChannel 0: had a return for the year of about 13,000 just under 10% after fees. So that's kind of put you back on track with the benchmark that we're aiming for, which is at nine to 10%.\n\nChannel 1: Alright. Okay. Cool.\n\nChannel 0: Cool. So does that make sense? Like, it's kind of one option was dropping. We switched that out. It's all jumped back up pretty positive for the year, and you've cleared a bit more in returns than what you've put in in contributions.\n\nChannel 1: Yeah. Yeah. No. It makes it makes a lot of sense. Yeah.\n\nChannel 0: Yep. So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good. They're all doing their thing. They're all performing and behaving as I would expect. The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy.\n\nChannel 1: Well, since I'm still very young, I feel that we can sort of take, I guess, the risks that we need to. I think the last time I spoke to one of the advisers, we had a chat about it, and she sort of mentioned to me that I'm fully young in this sort of great stages. You know, obviously, I'm in my forties, but\n\nChannel 0: Yeah.\n\nChannel 1: we we could still sort of take those, obviously, not not riskier sort of steps, but, you know, I mean, no. I'm not retiring tomorrow, so we can sort of just stay in the same sort of course we're on at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: And,\n\nChannel 0: And\n\nChannel 1: obviously,\n\nChannel 0: when it\n\nChannel 1: we\n\nChannel 0: comes to retirement, are you aiming for that kind of\n\nChannel 1: see\n\nChannel 0: earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by\n\nChannel 1: well,\n\nChannel 0: age\n\nChannel 1: obviously\n\nChannel 0: pension of 60 seven?\n\nChannel 1: yeah. Look, I've only been in the country sort of, you know, over ten years now. So I'm trying to catch up to everybody else because, you know, all the other countries I still worked in didn't have this sort of super that the employees pay, you know, into your super top thing. So I'm I'm I'm kinda\n\nChannel 0: Yeah.\n\nChannel 1: just trying to catch up with everybody else.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, look, I'm I'm I'm pretty happy the way we're going at the moment. If I obviously get to my sixties and, yep, I can sort of retire, we'll sort of look at it then. But at the moment, I'm I'm pretty happy with the way it's going at the you know, it's going\n\nChannel 0: Awesome.\n\nChannel 1: yeah.\n\nChannel 0: So then it makes sense to keep you in a pretty high growth approach with that kind of 80 to 90 in growth assets, your shares, and your property, and your gold to try and get the high long term returns.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: we can\n\nChannel 1: Yep.\n\nChannel 0: get a bulk of returns and contributions over the next ten years, we can try and build you up to that kind of $3,400,000 mark, and then it kind of takes off pretty quickly from then to that kind\n\nChannel 1: Ross.\n\nChannel 0: of $6.07, 800,000. But then you've got a balanced risk at the end, like you said. So 40 to 50, you can go quite heavy into growth. In those last ten years, we need to slowly reduce the risk level\n\nChannel 1: Yep.\n\nChannel 0: down because high growth is recommended if you've got a decade plus. Once you start\n\nChannel 1: Yeah.\n\nChannel 0: hitting that seven, eight years, we should probably start trimming it down from, say, 90%, eighty, seventy, 60, fifty, forty gradually over that last decade into\n\nChannel 1: Yep.\n\nChannel 0: pension phase in the sixties.\n\nChannel 1: Okay. Cool. Yeah. No. Definitely.\n\nChannel 0: Perfect. So what that basically means is it's gonna jump up and down double digits. And because you've built this base of a 150, any year, it's gonna be going up and down ten to thirty thousand while\n\nChannel 1: Yep.\n\nChannel 0: it's in high growth contributions going in until we can slow it down towards the end.\n\nChannel 1: No. Of course. Yeah.\n\nChannel 0: K? So if you're comfortable with that, I think we've kind of got it in a good place now. Does\n\nChannel 1: Yep.\n\nChannel 0: the 200 a month make sense still for you in terms of a cash flow perspective?\n\nChannel 1: What do you mean as a salary sacrifice?\n\nChannel 0: Yeah. Are you still comfortable with that amount given your other goals to sort of save and purchase a house and things like that?\n\nChannel 1: Yeah. Look. Yeah. I'm I'm I'm kinda sort of I will think about maybe adding another $100 in if I can. Obviously, I've just got a my partner, I are sort of she I've just moved in with her, and we're obviously getting a finances sort of sort of together.\n\nAnd, obviously, we'll start paying off this house together topping.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: So I'll have to just see how I'm going that way. I might look into adding some more money each month as a salary sacrifice. But at the moment, I'm just sticking to the $200 a month, I think,\n\nChannel 0: Yeah. You get\n\nChannel 1: whatever\n\nChannel 0: the budget under\n\nChannel 1: it is.\n\nChannel 0: control first and and\n\nChannel 1: Yeah.\n\nChannel 0: work\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: this\n\nChannel 1: Yeah.\n\nChannel 0: new move.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Obviously, there's that share that, obviously, there was a massive loss to it.\n\nAs long as we keep on looking at, you know, things that could happen, like, we just sort of keep on keep on it and just sort of move to something that's more more feasible. Obviously, when COVID hit, we lost we lost a lot of money, and that's obviously because there's nothing we can do about that. But as long as my concern is that we just keep an eye on on things and see how they're tracking so we're not sitting in with every share sort of, you know, in the in the rear, you know, in the rear top thing. That's all.\n\nChannel 0: Yeah. And one of the things that it's gonna happen twice between now and retirement is\n\nChannel 1: Yep.\n\nChannel 0: there's gonna be that global financial crisis style crash at some point where\n\nChannel 1: Yep.\n\nChannel 0: we're gonna kind of for the first decade, if we do find that every asset class goes down at the same time, we can't control that level of weather,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: And of course.\n\nChannel 0: we can also just chuck you in cash and then mistime getting back in. But what we will do is if there's any double digit drops where the whole world melts down, we're gonna basically use that as a buying opportunity to pick up the best assets possible for when it goes back up.\n\nChannel 1: Okay.\n\nChannel 0: In the\n\nChannel 1: Yeah.\n\nChannel 0: second phase, it'll be about, okay, if we've had a 15% return, let's reduce your risk level down ahead of time because we're ahead of the curve.\n\nChannel 1: Of course.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: very conscious of it. My job with the team and the investment committee is to make sure everything in the portfolio is good quality. And if there's a major concern with one type, that we do look at switching it when it's appropriate.\n\nChannel 1: No. Of course. Yeah. No. That sounds fine.\n\nChannel 0: Perfect. Perfect. So in terms of just updating a quick few details there, you mentioned that you moved in with your partner.\n\nChannel 1: Yep.\n\nChannel 0: Was this a home purchase together?\n\nChannel 1: Oh, no. No. No. She's she she purchased it with her her sort of late husband, and\n\nChannel 0: Yep.\n\nChannel 1: he obviously passed away about a year ago.\n\nChannel 0: Okay.\n\nChannel 1: So I've sort of moved in, you know, just so we can sort of be together. But she's obviously had the idea that, you know, that she wants to make this place my place something. Obviously, I've not come in\n\nChannel 0: Yeah.\n\nChannel 1: and just sort of seen an opportunity to sort of, you know, get a property for myself type thing. This is obviously all her ideas and what she's been thinking. So yeah. So she sort of bought the property, obviously, a couple of years ago now. And, obviously, she's slowly been trying to pay it off by herself for a while, because her late husband sort of had mental health problems and wasn't working.\n\nSo she's obviously been battling. But,\n\nChannel 0: Gotcha.\n\nChannel 1: obviously, yes, I'll be looking forward to sort of putting a lump sum into this property to sort of help her bring down those costs each month so her repayments aren't so high.\n\nChannel 0: Yeah. So at\n\nChannel 1: Yeah.\n\nChannel 0: the moment, your priority is just kind of building the savings.\n\nChannel 1: Well, building the same deal. Look, I do pay rent every every every week or every time I get paid just to sort of cover, you know, bills that that that we've got since that that sort of interest. She's not sort of using her own money to sort of, you know, spend for everything. But yeah. And I am building a I'm trying to build up a hold up some, you know, cash just so I can help her with you know, when that time comes and I put my money into her home loan, it's it's\n\nChannel 0: Perfect.\n\nChannel 1: it's all\n\nChannel 0: So\n\nChannel 1: good. You know?\n\nChannel 0: assets and liabilities wise, I think we just had noted down previously car, credit card. Is there, like, an estimated savings amount I can put down on your file?\n\nChannel 1: Sure. I've got about a 160,000 in savings.\n\nChannel 0: Yep. Perfect. Alrighty.\n\nChannel 1: But that's\n\nChannel 0: Sorry,\n\nChannel 1: yeah.\n\nChannel 0: mate.\n\nChannel 1: No.\n\nChannel 0: You go.\n\nChannel 1: That's just, you know, that's just a a sort of account that sort of matures on its own. Because, obviously,\n\nChannel 0: Yes.\n\nChannel 1: every every six to eight months, it sort of matures. And then, obviously, I'll get, you know, I'll get interest that is paid back into my account\n\nChannel 0: Yep.\n\nChannel 1: of that money. So that money is something that I'm I'm trying not to touch. I want that to sort of do its thing, and I'll just totally forget about it while it's doing its thing. You know?\n\nChannel 0: Perfect.\n\nChannel 1: But,\n\nChannel 0: And then\n\nChannel 1: obviously\n\nChannel 0: you'll build up a\n\nChannel 1: yeah.\n\nChannel 0: separate amount to the side.\n\nChannel 1: Yeah. Well, I'm I'm trying to pull up a separate separate amount to decide.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: yeah.\n\nChannel 0: So any other assets or loans or liabilities that I need to add?\n\nChannel 1: No. No. No. Just just the\n\nChannel 0: Perfect.\n\nChannel 1: card and the credit card that I pay off when I need to I use when I need to. That sort of thing.\n\nChannel 0: Fantastic. So I'll leave the salary sacrifice as it is. But in terms\n\nChannel 1: Yep.\n\nChannel 0: of cash flow, I think we had you working in sort of hotel tourism on about 60,000. Is that still correct?\n\nChannel 1: Shit. Let me just bring up my next my last payslip. Give me two\n\nChannel 0: Yep. That'd\n\nChannel 1: seconds.\n\nChannel 0: be handy. No worries. Oh, and Kevin, while you're doing that, is it still\n\nChannel 1: Yep.\n\nChannel 0: Munhill Apartments?\n\nChannel 1: It is. Yeah.\n\nChannel 0: Yep. Same employer.\n\nChannel 1: Well, it it's same employee, but they've changed the names. It's it's sort of now a very new group that I work for. So it's we still we still have, obviously, the apartments in the name. We're still using that name, but\n\nChannel 0: The\n\nChannel 1: they've\n\nChannel 0: branding\n\nChannel 1: moved\n\nChannel 0: and\n\nChannel 1: both\n\nChannel 0: and such.\n\nChannel 1: they've moved both sort of both sort of hotels under both both name hotels under the one one one name of Berry Group.\n\nChannel 0: Yep.\n\nChannel 1: I'm just looking at my Facebook. I'm just trying to find where my what I have, what I'm also make every every like, what my annual income will be.\n\nChannel 0: Yeah. And because we're only about a week off financial year, if it says financial year to date, I can kind of gulf that a little bit.\n\nChannel 1: So financial dates. Well, I'm I'm sort of making I think it's about $38 an hour, roughly.\n\nChannel 0: So financial year to date, $38. And it's kind of\n\nChannel 1: Yeah.\n\nChannel 0: full time.\n\nChannel 1: Yeah. Yeah. Yeah. At the moment, it's I'm working hang on. I'm actually on work cover at the moment, but I was I was on sort of part time.\n\nChannel 0: Uh-huh. Yes.\n\nChannel 1: But before, obviously, gone on to not gone on to work cover till I was obviously forced to go to work cover. But, obviously, I still get paid through the insurance company, that sort of thing. But at the moment, I'm sort of part time. But when I get back to work, I'm looking at sort of moving back to a full time basis. So\n\nChannel 0: Okay.\n\nChannel 1: it will be\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: the financial year to date, would that be less than 60 then? And then when you go back full time, might be about\n\nChannel 1: Yeah.\n\nChannel 0: 70\n\nChannel 1: I'm\n\nChannel 0: 7\n\nChannel 1: I'm I'm,\n\nChannel 0: dollars.\n\nChannel 1: yeah, I'm guessing less than 50.\n\nChannel 0: Yep. K. So I might put in, like, 50 for the time being,\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: and I'll put that in as sort of part time. Or would it be less, you think, 45?\n\nChannel 1: Oh, shit. Yeah. It's put 45 in, just to be\n\nChannel 0: Yep.\n\nChannel 1: safe.\n\nChannel 0: 40\n\nChannel 1: Yep.\n\nChannel 0: 5. And then we'll say the bounce up will probably be seven years, 75 k, but we'll confirm that at the next review.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice.\n\nChannel 1: No.\n\nChannel 0: We don't need to change anything there for the next\n\nChannel 1: No.\n\nChannel 0: month\n\nChannel 1: No. No.\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: so.\n\nChannel 1: want I want I want that to keep the 200 as a minimum.\n\nChannel 0: Yep.\n\nChannel 1: Look, if I completely run into trouble, then we'll organize\n\nChannel 0: Yeah.\n\nChannel 1: and move\n\nChannel 0: You\n\nChannel 1: it\n\nChannel 0: can\n\nChannel 1: down\n\nChannel 0: stop\n\nChannel 1: to a\n\nChannel 0: it\n\nChannel 1: 100.\n\nChannel 0: at any\n\nChannel 1: But\n\nChannel 0: time.\n\nChannel 1: I will\n\nChannel 0: Drop it.\n\nChannel 1: I'll just talk to sort of, you know, payroll in the company and just sort of say, look, you know, we want to just move it back to a $100, you know, a month, something.\n\nChannel 0: Yeah. And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside?\n\nChannel 1: Oh, look. I'm just building that up as I can. So I don't have any sort of I'll\n\nChannel 0: Ad\n\nChannel 1: just try and move money across to separate sort of account and just\n\nChannel 0: hoc.\n\nChannel 1: let that build and and, you know, only take that out if I absolutely need to emergencies and stuff. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Alright. So I've got that in for the income, assets, and liabilities. Just a quick extra question that's a bit different is you've never gone through any kind of bankruptcy or part nine debt agreements before, have you?\n\nChannel 1: No. I haven't\n\nChannel 0: Perfect. Did you end up getting a will in place for the estate plan put\n\nChannel 1: done.\n\nChannel 0: together?\n\nChannel 1: I've I've actually well, I've got I've got my I haven't got a wheel in place, but I do have the super\n\nChannel 0: The\n\nChannel 1: beneficial\n\nChannel 0: beneficiary.\n\nChannel 1: form that was\n\nChannel 0: Yep.\n\nChannel 1: sent to me since through the post. So I'll obviously just fill this out, and then I'll just send it off with my beneficiary.\n\nChannel 0: Yeah. Perfect. And just remember with those ones is you can choose whether it the the most standard is a nonlapsing binding, so it doesn't expire, or\n\nChannel 1: Okay.\n\nChannel 0: you can make it a lapsing, so it expires every three years. And\n\nChannel 1: Right.\n\nChannel 0: binding just means it's legally binding, and the super fund has to do it.\n\nChannel 1: Right. Okay. Okay. Right.\n\nChannel 0: Can\n\nChannel 1: Because\n\nChannel 0: I just note down, are you do you know who you're gonna nominate?\n\nChannel 1: I do. Yes.\n\nChannel 0: Okay. Can I just take down your partner's name? Are you guys de facto or married?\n\nChannel 1: Oh, well, at the moment, the factory.\n\nChannel 0: De facto. Cool. Can I just note down her name for the file? I don't\n\nChannel 1: Yeah.\n\nChannel 0: need any other details, but that's so you can put that on to the beneficiary form.\n\nChannel 1: Yeah. It's it's Caroline.\n\nChannel 0: Okay. Is that c a r o l I n e?\n\nChannel 1: Yes, sis. Caroline McDonough. So it's m c d o just give me two seconds because I always get this wrong and she hates it\n\nChannel 0: Yep.\n\nChannel 1: because if it's misspelled.\n\nChannel 0: Yeah. Is it one of those Scottish\n\nChannel 1: Yeah. It\n\nChannel 0: a u g h at the end or something?\n\nChannel 1: no. No. No. It's it's it's either two l's and one n or two n's and one l type thing. I just want to get yeah.\n\nYeah. It's one of those things. So I'm just trying to try and find a a bowl with her name on it. So Nope. Nope.\n\nGive me two seconds.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: You're\n\nChannel 1: won't be\n\nChannel 0: totally\n\nChannel 1: long.\n\nChannel 0: fine. I'm just updating a few things on our systems while you do that, so please take your time.\n\nChannel 1: Okay. So it's m c b o n e, l l.\n\nChannel 0: E, double l,\n\nChannel 1: Yeah.\n\nChannel 0: with one n. Perfect.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Got it there. Thank you very much for that, Kevin.\n\nChannel 1: That's alright.\n\nChannel 0: If you had run into any trouble filling in that form, please just call the office number.\n\nChannel 1: Right.\n\nChannel 0: The team can walk you through it very, very quickly. But like I said, you basically just take, you know, some lapsing binding, put in her details, get it witnessed by two people who aren't your beneficiary because it is\n\nChannel 1: Okay.\n\nChannel 0: a legal document, and then you're pretty well good to go.\n\nChannel 1: Right. Okay. Okay. Cool. Sweet.\n\nI'll\n\nChannel 0: Alrighty.\n\nChannel 1: yep. Definitely.\n\nChannel 0: Last couple of things to check is so the beneficiary that's getting sorted,\n\nChannel 1: Yep.\n\nChannel 0: I don't believe you've got any, like, insurances in place at the moment and you're on work cover. So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is.\n\nChannel 1: Yeah. You can we can we can look at getting some quotes and seeing what we what's available.\n\nChannel 0: Yeah. I may need to\n\nChannel 1: Nine\n\nChannel 0: revisit\n\nChannel 1: digits\n\nChannel 0: that once you're\n\nChannel 1: now.\n\nChannel 0: off work cover because they don't normally\n\nChannel 1: Yeah.\n\nChannel 0: offer the the insurances until that's finalized.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: Of\n\nChannel 0: then\n\nChannel 1: course. Yeah. Yeah. Of course. Yeah.\n\nChannel 0: so I might even pencil in. Do you want me to do a catch up before Christmas or just at the next annual review to kind of run through the medical and the quotes and the ideas there?\n\nChannel 1: Yeah. Let's go to the next the next next catch up.\n\nChannel 0: Yep.\n\nChannel 1: It's\n\nChannel 0: Easy done. And do you want any other catch ups in between just as a bit of a touchpoint, or are you okay just to kind of log in every now and then and course if anything emergency\n\nChannel 1: fine. Yeah.\n\nChannel 0: pops\n\nChannel 1: Yeah.\n\nChannel 0: up?\n\nChannel 1: No. I'll I'll I'll keep an eye on it and see how we're going. And then I'll, if I need to, I'll just give you guys a call and just sort of just talk through a few things. If something comes up that, obviously, I'm not I'm not happy with, I'm not sure of that sort of thing.\n\nChannel 0: Yep. No worries at all. Alright, Kevin. So that's pretty much all the areas I wanted to cover. Is there anything in particular that you would like to discuss before we finish up?\n\nChannel 1: No. No. No. No. I'm I'm I'm pretty happy with with everything that's that's going going on so far.\n\nYeah.\n\nChannel 0: Perfect. So in that email that I've sent you, when you scroll through those last couple of documents, beyond your net wealth performance chart, there's a bit of a vanguard chart, which is just how markets work.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: The documents below that, so there is a advice fee consent to remain advisers on the account. We're still charging the 1.65% at the moment, but\n\nChannel 1: Okay.\n\nChannel 0: we are working on a bit of a tiered fee structure coming in. So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point.\n\nChannel 1: Right. Okay.\n\nChannel 0: Okay? So you'll pretty much get close to that point between now and the next review. And then for that next agreement, you should benefit from the new structure, which would be really handy.\n\nChannel 1: Okay.\n\nChannel 0: Outside of that, we've included a couple of extra little documents today. We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and\n\nChannel 1: Yeah.\n\nChannel 0: just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide.\n\nChannel 1: Right. Okay.\n\nChannel 0: Perfect. Do you have any questions for me about any of those documents?\n\nChannel 1: No. No. All good.\n\nChannel 0: Cool, Kevin. So I'll leave that with you. If you could just click through. When you go to sign the documents, it'll stamp signatures and dates on there as you click the buttons. But if you\n\nChannel 1: Okay.\n\nChannel 0: would like to draw it on there, you can click on the signature and actually draw it like your license. Whatever your preference is, Netwealth doesn't really have an issue with digital authorization.\n\nChannel 1: Right. Okay. Cool. So I'm on the I'm on the it says here, sort of, click to start. And, obviously, I've got full name, signature, dates of, obviously, dates as today.\n\nChannel 0: Yep. And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually\n\nChannel 1: Yep.\n\nChannel 0: pull you to those spots.\n\nChannel 1: Right. Okay. Okay.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: then at the end, once they're all done, there'll be a a validation button at the bottom, and that'll basically send signed copy for both of us, and you'll be able to download a signed copy for your records too.\n\nChannel 1: Right. Okay. Okay. This is going through this here. Twenty third of the sixth two thousand twenty six.\n\nChannel 0: Yeah.\n\nChannel 1: Cool. So I've found I've found that one. I'm just looking now. Now. Next.\n\nOkay. Next. Okay. Okay. Next documents.\n\nOkay. Optional profile. Okay. Cool. That's signed.\n\nThat's document. Okay. Authorization to search of lost super. Okay. Find document.\n\nOkay. Cool. That's it. I've I've found all the documents.\n\nChannel 0: Perfect. And then if you just hit validate at the bottom, that should come through to\n\nChannel 1: Yep. Yep. Yep. Yep. K.\n\nI've clicked that button. Well, it validates.\n\nChannel 0: yeah. Sometimes it takes a minute to load. I do apologize. And then it\n\nChannel 1: Alright.\n\nChannel 0: does the old validation\n\nChannel 1: Sorry.\n\nChannel 0: circle spinning in a pop up.\n\nChannel 1: Yep.\n\nChannel 0: Alright. And then I don't know if you're trying it on the phone or the computer, but\n\nChannel 1: No. And I'm doing good on the computer. So, yeah, I\n\nChannel 0: yep.\n\nChannel 1: see it.\n\nChannel 0: Alright. And then I'm just having a bit of a refresh on the back end system here. Can you let me know once you've hit the validate button or if it's\n\nChannel 1: No.\n\nChannel 0: finished\n\nChannel 1: I\n\nChannel 0: loading?\n\nChannel 1: have. I have. I have. It's just it's loading now. So it's doing\n\nChannel 0: Oh,\n\nChannel 1: the thing.\n\nChannel 0: yep. Perfect. Sometimes those mobile networks can be quite fast. Sometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty\n\nChannel 1: Yeah.\n\nChannel 0: good. And with the just while that's loading, Kevin, the beneficiaries that we sent through to you, is that ones that you've printed out, or was it like a postage with a return\n\nChannel 1: No. It\n\nChannel 0: envelope?\n\nChannel 1: was a postage. So it's a postage and then, obviously, it's got a return. It's got a a return. Alright. Cool.\n\nSo it's signed.\n\nChannel 0: Perfect. So when that comes through, the return envelope, I believe, should be back to us.\n\nChannel 1: Yep.\n\nChannel 0: That's come\n\nChannel 1: Yep.\n\nChannel 0: through green. Thank you very much for doing that, Kevin. And then we'll get that\n\nChannel 1: Cool.\n\nChannel 0: back, and we'll submit that to Netwealth pretty quickly.\n\nChannel 1: Awesome.\n\nChannel 0: Alrighty, sir. Everything's looking pretty good. Any last questions for me before I let you go?\n\nChannel 1: No. No. I'm I'm I'm all good. Thanks, mate. Appreciate it.\n\nChannel 0: Awesome. Let's hope that the news settles down for the second half of the year. Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up.\n\nChannel 1: Awesome. Sounds good, mate.\n\nChannel 0: Alright. Have a fantastic week. Anything at all, please just give us a call.\n\nChannel 1: Will do. Thanks, man. Appreciate\n\nChannel 0: Thank\n\nChannel 1: it.\n\nChannel 0: you, sir. Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.08,"end":2.48,"sentiment":"neutral","sentiment_score":0.002171127707697451},{"text":"I'll see if this person is available.","start":2.48,"end":4.26,"sentiment":"neutral","sentiment_score":0.01191920627440725}],"sentiment":"neutral","sentiment_score":0.006720231038828691,"channel":1,"num_words":15,"start":0.08,"end":4.26},{"sentences":[{"text":"Tommy, Oakview Financial.","start":6.3999996,"end":8.02,"sentiment":"neutral","sentiment_score":0.030050161605079968}],"sentiment":"neutral","sentiment_score":0.030050161605079968,"channel":0,"num_words":3,"start":6.3999996,"end":8.02},{"sentences":[{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.34148043394088745},{"text":"Please stay on the line.","start":13.695,"end":15.075,"sentiment":"neutral","sentiment_score":0.1766893297433853},{"text":"Hello.","start":18.335,"end":18.835,"sentiment":"neutral","sentiment_score":0.08022117614746094},{"text":"Kevin speaking.","start":18.895,"end":19.715,"sentiment":"neutral","sentiment_score":0.06650462746620178}],"sentiment":"neutral","sentiment_score":0.1597952793041865,"channel":1,"num_words":9,"start":12.88,"end":19.715},{"sentences":[{"text":"Kevin, good afternoon, sir.","start":20.335,"end":21.695,"sentiment":"neutral","sentiment_score":0.24280227720737457},{"text":"It's Tommy here, senior adviser from Oakview.","start":21.695,"end":23.875,"sentiment":"neutral","sentiment_score":0.15934808339391435},{"text":"How are you going?","start":23.935001,"end":24.915,"sentiment":"neutral","sentiment_score":0.1720283143222332}],"sentiment":"neutral","sentiment_score":0.1849839299917221,"channel":0,"num_words":15,"start":20.335,"end":24.915},{"sentences":[{"text":"Good, mate.","start":25.295,"end":25.855,"sentiment":"positive","sentiment_score":0.447518989443779},{"text":"Good.","start":25.855,"end":26.355,"sentiment":"positive","sentiment_score":0.5265213847160339}],"sentiment":"positive","sentiment_score":0.4738531212011973,"channel":1,"num_words":3,"start":25.295,"end":26.355},{"sentences":[{"text":"Good to hear.","start":26.88,"end":27.359999,"sentiment":"positive","sentiment_score":0.5608223477999369},{"text":"Good to hear.","start":27.359999,"end":27.839998,"sentiment":"positive","sentiment_score":0.4621454377969106},{"text":"I'm just giving you a call to go through your annual review if you still got a minute.","start":27.839998,"end":30.98,"sentiment":"neutral","sentiment_score":0.15478672252760994}],"sentiment":"neutral","sentiment_score":0.2439610150953134,"channel":0,"num_words":24,"start":26.88,"end":30.98},{"sentences":[{"text":"Yeah.","start":31.31,"end":31.47,"sentiment":"neutral","sentiment_score":0.0939263105392456},{"text":"Yeah.","start":31.47,"end":31.71,"sentiment":"neutral","sentiment_score":0.13270993530750275},{"text":"That's fine.","start":31.71,"end":32.449997,"sentiment":"neutral","sentiment_score":0.277896448969841}],"sentiment":"neutral","sentiment_score":0.1956072859466076,"channel":1,"num_words":4,"start":31.31,"end":32.449997},{"sentences":[{"text":"Fantastic.","start":32.8,"end":33.28,"sentiment":"positive","sentiment_score":0.5817352533340454},{"text":"So I've got a bit of a email pack to send through to you.","start":33.28,"end":36.0,"sentiment":"neutral","sentiment_score":0.2366809163774763},{"text":"Before I do that, I'm just gonna do a quick security check with you.","start":36.0,"end":39.855,"sentiment":"neutral","sentiment_score":0.15296616405248642},{"text":"Mate, are you okay for the call to be recorded today?","start":40.095,"end":42.274998,"sentiment":"neutral","sentiment_score":0.07435601814226671}],"sentiment":"neutral","sentiment_score":0.17136776447296143,"channel":0,"num_words":40,"start":32.8,"end":42.274998},{"sentences":[{"text":"Yep.","start":43.114998,"end":43.515,"sentiment":"neutral","sentiment_score":0.08061236143112183},{"text":"That's fine.","start":43.515,"end":44.254997,"sentiment":"neutral","sentiment_score":0.22631916403770447}],"sentiment":"neutral","sentiment_score":0.17775022983551025,"channel":1,"num_words":3,"start":43.114998,"end":44.254997},{"sentences":[{"text":"Amazing.","start":44.495,"end":44.995,"sentiment":"positive","sentiment_score":0.4850316047668457},{"text":"And just for the security of your info, I'm registered with Asica's adviser 1273105.","start":45.135,"end":51.215,"sentiment":"neutral","sentiment_score":0.15841531434229442},{"text":"Could you please confirm your date of birth and address?","start":51.215,"end":53.715,"sentiment":"neutral","sentiment_score":0.05645516403019428}],"sentiment":"neutral","sentiment_score":0.1306959058344364,"channel":0,"num_words":25,"start":44.495,"end":53.715},{"sentences":[{"text":"Yep.","start":54.710003,"end":55.210003,"sentiment":"neutral","sentiment_score":0.01156768761575222},{"text":"04/14/1985 and 11 Henness Street, Point Cook, Melbourne.","start":55.59,"end":61.77,"sentiment":"neutral","sentiment_score":0.034290906274691224}],"sentiment":"neutral","sentiment_score":0.03176610420147578,"channel":1,"num_words":9,"start":54.710003,"end":61.77},{"sentences":[{"text":"Fantastic.","start":62.78,"end":63.28,"sentiment":"positive","sentiment_score":0.5518649816513062},{"text":"Thank you very much for doing that.","start":63.5,"end":65.42,"sentiment":"positive","sentiment_score":0.6482162475585938},{"text":"Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today.","start":65.42,"end":74.955,"sentiment":"neutral","sentiment_score":0.12032632138580084},{"text":"I'm gonna pop through this email to your Hotmail address.","start":75.655,"end":78.795,"sentiment":"neutral","sentiment_score":0.057996033877134326},{"text":"Will you","start":79.095,"end":79.495,"sentiment":"neutral","sentiment_score":0.052918996661901474}],"sentiment":"neutral","sentiment_score":0.17647049836814405,"channel":0,"num_words":60,"start":62.78,"end":79.495},{"sentences":[{"text":"Yep.","start":79.435,"end":79.935,"sentiment":"neutral","sentiment_score":0.050722576677799225}],"sentiment":"neutral","sentiment_score":0.050722576677799225,"channel":1,"num_words":1,"start":79.435,"end":79.935},{"sentences":[{"text":"be able to access the documents with me 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it's got a return.","start":1772.825,"end":1776.025,"sentiment":"neutral","sentiment_score":0.044464903883636},{"text":"It's got a a return.","start":1776.025,"end":1777.725,"sentiment":"neutral","sentiment_score":0.07601599842309952},{"text":"Alright.","start":1778.105,"end":1778.345,"sentiment":"neutral","sentiment_score":0.2363334745168686},{"text":"Cool.","start":1778.345,"end":1778.825,"sentiment":"positive","sentiment_score":0.43939557671546936}],"sentiment":"neutral","sentiment_score":0.06276499200612307,"channel":1,"num_words":21,"start":1771.63,"end":1778.825},{"sentences":[{"text":"So it's signed.","start":1778.825,"end":1779.725,"sentiment":"positive","sentiment_score":0.3598252634207408}],"sentiment":"positive","sentiment_score":0.3598252634207408,"channel":1,"num_words":3,"start":1778.825,"end":1779.725},{"sentences":[{"text":"Perfect.","start":1780.82,"end":1781.2999,"sentiment":"positive","sentiment_score":0.656420111656189},{"text":"So when that comes through, the return envelope, I believe, should be back to us.","start":1781.2999,"end":1785.08,"sentiment":"neutral","sentiment_score":0.32785456577936806}],"sentiment":"positive","sentiment_score":0.3483899123966694,"channel":0,"num_words":16,"start":1780.82,"end":1785.08},{"sentences":[{"text":"Yep.","start":1785.465,"end":1785.865,"sentiment":"neutral","sentiment_score":0.09691538661718369}],"sentiment":"neutral","sentiment_score":0.09691538661718369,"channel":1,"num_words":1,"start":1785.465,"end":1785.865},{"sentences":[{"text":"That's come","start":1785.595,"end":1786.075,"sentiment":"neutral","sentiment_score":0.09922819584608078}],"sentiment":"neutral","sentiment_score":0.09922819584608078,"channel":0,"num_words":2,"start":1785.595,"end":1786.075},{"sentences":[{"text":"Yep.","start":1785.865,"end":1786.32,"sentiment":"neutral","sentiment_score":0.08875199407339096}],"sentiment":"neutral","sentiment_score":0.08875199407339096,"channel":1,"num_words":1,"start":1785.865,"end":1786.32},{"sentences":[{"text":"through green.","start":1786.075,"end":1786.6349,"sentiment":"neutral","sentiment_score":0.1372033879160881},{"text":"Thank you very much for doing that, Kevin.","start":1786.6349,"end":1788.475,"sentiment":"positive","sentiment_score":0.7646143659949303},{"text":"And then we'll get that","start":1788.475,"end":1789.595,"sentiment":"positive","sentiment_score":0.44263667464256284}],"sentiment":"positive","sentiment_score":0.5736336718002956,"channel":0,"num_words":15,"start":1786.075,"end":1789.595},{"sentences":[{"text":"Cool.","start":1789.44,"end":1789.94,"sentiment":"neutral","sentiment_score":0.23073194921016693}],"sentiment":"neutral","sentiment_score":0.23073194921016693,"channel":1,"num_words":1,"start":1789.44,"end":1789.94},{"sentences":[{"text":"back, and we'll submit that to Netwealth pretty quickly.","start":1789.595,"end":1792.575,"sentiment":"positive","sentiment_score":0.38064642747243244}],"sentiment":"positive","sentiment_score":0.38064642747243244,"channel":0,"num_words":9,"start":1789.595,"end":1792.575},{"sentences":[{"text":"Awesome.","start":1793.44,"end":1793.94,"sentiment":"positive","sentiment_score":0.6872888803482056}],"sentiment":"positive","sentiment_score":0.6872888803482056,"channel":1,"num_words":1,"start":1793.44,"end":1793.94},{"sentences":[{"text":"Alrighty, sir.","start":1795.5149,"end":1796.575,"sentiment":"positive","sentiment_score":0.6482267379760742},{"text":"Everything's looking pretty good.","start":1796.6349,"end":1798.075,"sentiment":"positive","sentiment_score":0.7662722915410995},{"text":"Any last questions for me before I let you go?","start":1798.075,"end":1800.63,"sentiment":"neutral","sentiment_score":0.15329824090003968}],"sentiment":"positive","sentiment_score":0.36840781569480896,"channel":0,"num_words":16,"start":1795.5149,"end":1800.63},{"sentences":[{"text":"No.","start":1800.915,"end":1801.0751,"sentiment":"neutral","sentiment_score":-0.0843753069639206},{"text":"No.","start":1801.0751,"end":1801.395,"sentiment":"neutral","sentiment_score":-0.11025355756282806},{"text":"I'm I'm I'm all good.","start":1801.395,"end":1802.515,"sentiment":"neutral","sentiment_score":0.12660838961601256},{"text":"Thanks, mate.","start":1802.515,"end":1803.155,"sentiment":"positive","sentiment_score":0.6907535195350647},{"text":"Appreciate it.","start":1803.155,"end":1804.135,"sentiment":"positive","sentiment_score":0.661801666021347}],"sentiment":"neutral","sentiment_score":0.28577485951510345,"channel":1,"num_words":11,"start":1800.915,"end":1804.135},{"sentences":[{"text":"Awesome.","start":1803.75,"end":1804.15,"sentiment":"positive","sentiment_score":0.7057898640632629},{"text":"Let's hope that the news settles down for the second half of the year.","start":1804.15,"end":1807.21,"sentiment":"positive","sentiment_score":0.35452376093183247},{"text":"Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up.","start":1807.35,"end":1814.025,"sentiment":"positive","sentiment_score":0.4089635524612207}],"sentiment":"positive","sentiment_score":0.3976140214902599,"channel":0,"num_words":41,"start":1803.75,"end":1814.025},{"sentences":[{"text":"Awesome.","start":1814.53,"end":1815.01,"sentiment":"positive","sentiment_score":0.7922375798225403},{"text":"Sounds good, mate.","start":1815.01,"end":1815.99,"sentiment":"positive","sentiment_score":0.8095648090044657}],"sentiment":"positive","sentiment_score":0.8052330017089844,"channel":1,"num_words":4,"start":1814.53,"end":1815.99},{"sentences":[{"text":"Alright.","start":1816.265,"end":1816.665,"sentiment":"positive","sentiment_score":0.6235260963439941},{"text":"Have a fantastic week.","start":1816.665,"end":1817.7051,"sentiment":"positive","sentiment_score":0.7855123728513718},{"text":"Anything at all, please just give us a call.","start":1817.7051,"end":1819.645,"sentiment":"neutral","sentiment_score":0.2846969597869449}],"sentiment":"positive","sentiment_score":0.45198915898799896,"channel":0,"num_words":14,"start":1816.265,"end":1819.645},{"sentences":[{"text":"Will do.","start":1820.93,"end":1821.3301,"sentiment":"positive","sentiment_score":0.42279277741909027},{"text":"Thanks, man.","start":1821.3301,"end":1822.13,"sentiment":"positive","sentiment_score":0.6659641563892365},{"text":"Appreciate","start":1822.13,"end":1822.61,"sentiment":"positive","sentiment_score":0.6585780382156372}],"sentiment":"positive","sentiment_score":0.5672183811664582,"channel":1,"num_words":5,"start":1820.93,"end":1822.61},{"sentences":[{"text":"Thank","start":1822.505,"end":1822.8251,"sentiment":"positive","sentiment_score":0.7204063534736633}],"sentiment":"positive","sentiment_score":0.7204063534736633,"channel":0,"num_words":1,"start":1822.505,"end":1822.8251},{"sentences":[{"text":"it.","start":1822.61,"end":1823.11,"sentiment":"positive","sentiment_score":0.6545660495758057}],"sentiment":"positive","sentiment_score":0.6545660495758057,"channel":1,"num_words":1,"start":1822.61,"end":1823.11},{"sentences":[{"text":"you, sir.","start":1822.8251,"end":1823.465,"sentiment":"positive","sentiment_score":0.5658766329288483},{"text":"Bye.","start":1823.465,"end":1823.965,"sentiment":"neutral","sentiment_score":0.30098459124565125}],"sentiment":"positive","sentiment_score":0.4775792857011159,"channel":0,"num_words":3,"start":1822.8251,"end":1823.965},{"sentences":[{"text":"Thanks.","start":1824.29,"end":1824.6901,"sentiment":"positive","sentiment_score":0.5135898590087891},{"text":"Bye.","start":1824.6901,"end":1825.1901,"sentiment":"neutral","sentiment_score":-0.08691161870956421}],"sentiment":"neutral","sentiment_score":0.21333912014961243,"channel":1,"num_words":2,"start":1824.29,"end":1825.1901}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses the customer's annual review and updates their account details, including a new auto-signed system and a return on investments. They also discuss potential changes to the customer's financial strategy and provide advice on their portfolio. The agent discusses the possibility of reducing risk levels and building a holdup cash flow to help the property repay bills and retirement costs. The speaker emphasizes the importance of building a portfolio for future retirement savings and mentions their work schedule and retirement plans. They also discuss employment details, beneficiary information, and the importance of staying in the account and filling out forms. The conversation ends with instructions on signing and validating documents and a reminder to call for further assistance."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review if you still got a minute. Yeah. Yeah.","start_word":51,"end_word":70,"intents":[{"intent":"Review annual review","confidence_score":0.11736701}]},{"text":"to let you know what's come through is our new auto sign system that we kind of custom built for ourselves.","start_word":336,"end_word":356,"intents":[{"intent":"Explore new auto sign system","confidence_score":0.0002450245}]},{"text":"got a bit of a assign now link, which will take you through the annual review pack. If you can just click on that one for me and just let me know once the first document pops up, Okay.","start_word":387,"end_word":425,"intents":[{"intent":"Understand and navigate annual review pack","confidence_score":0.00059548905}]},{"text":"So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today.","start_word":527,"end_word":549,"intents":[{"intent":"Provide netwealth account details","confidence_score":0.011070194}]},{"text":"So I really wanted to start there because there was a change on your account that we made a couple of months ago, which Okay.","start_word":586,"end_word":610,"intents":[{"intent":"Discuss account update","confidence_score":0.000027319707}]},{"text":"So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do.","start_word":691,"end_word":719,"intents":[{"intent":"Update account and report","confidence_score":0.0031238499}]},{"text":"So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to Okay.","start_word":902,"end_word":946,"intents":[{"intent":"Discuss options","confidence_score":0.03965606}]},{"text":"So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to Okay. sign off on it.","start_word":902,"end_word":950,"intents":[{"intent":"Provide guidance","confidence_score":0.0013517203}]},{"text":"If we need to overhaul the portfolio, we kind of discuss that together, get you to Okay.","start_word":930,"end_word":946,"intents":[{"intent":"Discuss portfolio review","confidence_score":0.016699875}]},{"text":"our investment committee made a decision across all clients to divest you from that option and switch Okay. you across into a lower fee option with better performance. Yeah.","start_word":987,"end_word":1015,"intents":[{"intent":"Provide decision","confidence_score":0.012993613}]},{"text":"So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good. They're all doing their thing. They're all performing and behaving as I would expect. The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy.","start_word":1240,"end_word":1303,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.04063443}]},{"text":"And, And obviously, when it we comes to retirement, are you aiming for that kind of see earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by well, age obviously pension of 60 seven? yeah.","start_word":1414,"end_word":1461,"intents":[{"intent":"Evaluate retirement objectives","confidence_score":0.0017872945}]},{"text":"So I'll have to just see how I'm going that way. I might look into adding some more money each month as a salary sacrifice. But at the moment, I'm just sticking to the $200 a month, I think, Yeah.","start_word":1957,"end_word":1996,"intents":[{"intent":"Budget strategy","confidence_score":0.0010793173}]},{"text":"So in terms of just updating a quick few details there, you mentioned that you moved in with your partner. Yep.","start_word":2348,"end_word":2368,"intents":[{"intent":"Update details","confidence_score":0.110103}]},{"text":"obviously, yes, I'll be looking forward to sort of putting a lump sum into this property to sort of help her bring down those costs each month so her repayments aren't so high. Yeah. So at Yeah.","start_word":2524,"end_word":2560,"intents":[{"intent":"Set goals","confidence_score":0.007972729}]},{"text":"I'm just looking at my Facebook. I'm just trying to find where my what I have, what I'm also make every every like, what my annual income will be. Yeah.","start_word":3037,"end_word":3066,"intents":[{"intent":"Monitor financial expenses","confidence_score":0.000016311598}]},{"text":"So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice. No. We don't need to change anything there for the next No. month No. No. or I so. want I want I want that to keep the 200 as a minimum. Yep.","start_word":3336,"end_word":3389,"intents":[{"intent":"Negotiate payment plan","confidence_score":0.0036227}]},{"text":"And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside? Oh, look.","start_word":3456,"end_word":3494,"intents":[{"intent":"Confirm payment options","confidence_score":0.000022970162}]},{"text":"need any other details, but that's so you can put that on to the beneficiary form. Yeah.","start_word":3776,"end_word":3792,"intents":[{"intent":"Obtain beneficiary form information","confidence_score":0.002544411}]},{"text":"So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is. Yeah.","start_word":4081,"end_word":4117,"intents":[{"intent":"Get quotes","confidence_score":0.027421538}]},{"text":"We're still charging the 1.65% at the moment, but Okay. we are working on a bit of a tiered fee structure coming in. So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point. Right.","start_word":4434,"end_word":4489,"intents":[{"intent":"Discuss fee structure","confidence_score":0.027255762}]},{"text":"Outside of that, we've included a couple of extra little documents today. We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and Yeah. just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide. Right.","start_word":4525,"end_word":4595,"intents":[{"intent":"Provide documents","confidence_score":0.18482755}]},{"text":"Do you have any questions for me about any of those documents? No.","start_word":4598,"end_word":4610,"intents":[{"intent":"Identify problem","confidence_score":0.00048617827}]},{"text":"Do you have any questions for me about any of those documents? No. No. All good.","start_word":4598,"end_word":4613,"intents":[{"intent":"Ask questions","confidence_score":0.07034176}]},{"text":"And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually Yep. pull you to those spots. Right.","start_word":4716,"end_word":4760,"intents":[{"intent":"Provide confirmation","confidence_score":0.008303677}]},{"text":"So I've found I've found that one. I'm just looking now. Now.","start_word":4825,"end_word":4836,"intents":[{"intent":"Check availability","confidence_score":0.00805715}]},{"text":"And then if you just hit validate at the bottom, that should come through to Yep.","start_word":4874,"end_word":4889,"intents":[{"intent":"Validate documents","confidence_score":0.15919836}]},{"text":"Sometimes those mobile networks can be quite fast. Sometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty Yeah.","start_word":5012,"end_word":5039,"intents":[{"intent":"Request resend","confidence_score":0.0005087649}]}]},"sentiments":{"segments":[{"text":"You record your name and reason for calling. I'll see if this person is available. Tommy, Oakview Financial.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.012939192354679108},{"text":"Thanks.","start_word":18,"end_word":18,"sentiment":"positive","sentiment_score":0.34148043394088745},{"text":"Please stay on the line. Hello. Kevin speaking. Kevin, good afternoon, sir. It's Tommy here, senior adviser from Oakview. How are you going?","start_word":19,"end_word":41,"sentiment":"neutral","sentiment_score":0.1726296693086624},{"text":"Good, mate. Good. Good to hear. Good to hear.","start_word":42,"end_word":50,"sentiment":"positive","sentiment_score":0.4825176000595093},{"text":"I'm just giving you a call to go through your annual review if you still got a minute. Yeah. Yeah. That's fine.","start_word":51,"end_word":72,"sentiment":"neutral","sentiment_score":0.1662444770336151},{"text":"Fantastic.","start_word":73,"end_word":73,"sentiment":"positive","sentiment_score":0.5817352533340454},{"text":"So I've got a bit of a email pack to send through to you. Before I do that, I'm just gonna do a quick security check with you. Mate, are you okay for the call to be recorded today? Yep. That's fine.","start_word":74,"end_word":115,"sentiment":"neutral","sentiment_score":0.16833867132663727},{"text":"Amazing.","start_word":116,"end_word":116,"sentiment":"positive","sentiment_score":0.4850316047668457},{"text":"And just for the security of your info, I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth and address? Yep. 04/14/1985 and 11 Henness Street, Point Cook, Melbourne.","start_word":117,"end_word":149,"sentiment":"neutral","sentiment_score":0.08914367109537125},{"text":"Fantastic. Thank you very much for doing that.","start_word":150,"end_word":157,"sentiment":"positive","sentiment_score":0.6298092603683472},{"text":"Now what I'm gonna do today, Kevin, is I've got a bit of an update of your details I need to run through briefly and just to see if we need to make any changes to your super strategy today. I'm gonna pop through this email to your Hotmail address. Will you Yep. be able to access the documents with me today? Yep. Yep. Sure. Perfect. So I'm gonna pop this through now. It should come through pretty quickly. If it is your first time with our new system, it may go to your spam folder. So just have a little double check of both for me. And, Right. mate, while you're doing that, anything in particular you're hoping to get out of this year's review? No. Just just, I guess, just to see how how I'm going, how I'm traveling. You know? Yeah. Just a bit of a general update given everything that's Yeah. going on in the world. Yeah. Yeah.","start_word":158,"end_word":319,"sentiment":"neutral","sentiment_score":0.05544516071677208},{"text":"That's cool.","start_word":320,"end_word":321,"sentiment":"positive","sentiment_score":0.33967325091362},{"text":"So your document has just come through now. Perfect. So Your just email. to let you know what's come through is our new auto sign system that we kind of custom built for ourselves. It Yep. gives you attachments down the bottom like any other email, which is things like your financial services guide, updated licensee information, complaints procedure, and privacy. And we've also Yep. got a bit of a assign now link, which will take you through the annual review pack. If you can just click on that one for me and just let me know once the first document pops up, Okay. we'll kinda Cool. just So run there's through that a little together. sign doc there's a sign document at the bottom of the email. Is that Yep. what you So want if you me to hit put? that, it'll Yep. basically ask for consent and then bring up all of the review documents. And what we're gonna do is not gonna sign anything right now. We're just gonna have a scroll through together and make sure you're comfortable with everything first. Cool. Alright. So I've opened it up, and then I've just got summary of Superannuation as the 06/23/2026.","start_word":322,"end_word":524,"sentiment":"neutral","sentiment_score":0.12313387238333376},{"text":"Perfect. Perfect.","start_word":525,"end_word":526,"sentiment":"positive","sentiment_score":0.46278244256973267},{"text":"So we're gonna be going through there was a slight little typo on that one, but we're going through your Netwealth account today. Okay. Do you usually log in to your Netwealth super frequently? Oh, now and again, I I sort of sort of pop in and just have a look to see how I'm going. You know? Yep. So I really wanted to start there because there was a change on your account that we made a couple of months ago, which Okay. has kind of just kind of righted the course a little bit. So if you can have a scroll down for me, past the super summary, you'll see a Netwealth asset performance document. I don't know if you can make out the figures in that table for me. Alright. Okay. Cool. Just give me a next. Okay. Cool. So I've got the Netwealth Asset Performance details here. Yep.","start_word":527,"end_word":678,"sentiment":"neutral","sentiment_score":0.07167567312717438},{"text":"What Perfect.","start_word":679,"end_word":680,"sentiment":"positive","sentiment_score":0.47557854652404785},{"text":"what what did I need to have a look at? So I'm just gonna quickly give you an update on what we changed on the account and just see if there's any other further changes we need to do. So as a bit of an update, a year ago, you were sitting at about 128,000. You had Okay. about $10 worth of contributions clear the account after taxes because you're doing a bit of salary sacrifice still, I I believe. am. Yes. Yes. You got about 200 I a month. am. Now beyond that change, we had most of the investments on that table. If you look at the right hand side, Yep. very right hand column, you'll see a return percentage. Yep. Now you can see the first one there has got the minus 17, and the rest Yes. of them are all in positive figures, three, six, 99, ten ten, seventeen, eighty two.","start_word":681,"end_word":835,"sentiment":"neutral","sentiment_score":0.10608182102441788},{"text":"Yep. They've all pretty much had huge returns across, you know, gold, shares, different asset classes.","start_word":836,"end_word":851,"sentiment":"positive","sentiment_score":0.5534886121749878},{"text":"That one Australian shares option at the top was having a bit of a dive a bit quicker than the rest of the market because the market dropped in February and March. This one went down a little bit faster than the other options, if that makes sense. Yep. Yep. So what we did, normally, when we do a review, we run through, and if we need to change one option, I'll give you an updated advice document. If we need to overhaul the portfolio, we kind of discuss that together, get you to Okay. sign off on it. Just in this particular case, because of some issues we discovered with the fund manager themselves, we didn't believe that it was gonna kind of catch back up to the rest of the pack. So Okay. our investment committee made a decision across all clients to divest you from that option and switch Okay. you across into a lower fee option with better performance. Yeah. So that's the one directly underneath it, which has only been going for a couple of months here, but you can see underneath the Bennelong option, you can see beta shares Australia 200, and that's the one that's just jumped up almost 4% in the last six weeks. Yep. Yep. So what I was going to do today was basically, again, talk about divesting from that option, but we've already done that because we found it important enough to to kind of jump ahead and do it before any further concerns arose. Yeah. No. Of course. Of course. Now what that kind of means for you is, like I mentioned, you were sitting in a 128,000. You had just over 10 of contributions clear after tax, and you've Yep.","start_word":852,"end_word":1144,"sentiment":"neutral","sentiment_score":0.08246378268118401},{"text":"had a return for the year of about 13,000 just under 10% after fees. So that's kind of put you back on track with the benchmark that we're aiming for, which is at nine to 10%.","start_word":1145,"end_word":1180,"sentiment":"positive","sentiment_score":0.3621412515640259},{"text":"Alright.","start_word":1181,"end_word":1181,"sentiment":"neutral","sentiment_score":0.27704918384552},{"text":"Okay. Cool. Cool.","start_word":1182,"end_word":1184,"sentiment":"positive","sentiment_score":0.47453898191452026},{"text":"So does that make sense? Like, it's kind of one option was dropping. We switched that out.","start_word":1185,"end_word":1201,"sentiment":"neutral","sentiment_score":0.13683289289474487},{"text":"It's all jumped back up pretty positive for the year, and you've cleared a bit more in returns than what you've put in in contributions.","start_word":1202,"end_word":1226,"sentiment":"positive","sentiment_score":0.4366961419582367},{"text":"Yeah. Yeah. No. It makes it makes a lot of sense. Yeah. Yep.","start_word":1227,"end_word":1239,"sentiment":"neutral","sentiment_score":0.15744109451770782},{"text":"So when I look at this portfolio, to see if I need to change anything, the individual options themselves look really good. They're all doing their thing. They're all performing and behaving as I would expect.","start_word":1240,"end_word":1275,"sentiment":"positive","sentiment_score":0.45188650488853455},{"text":"The only question that I would have in terms of strategy is whether we need to change your risk level, whether we need to change your contribution strategy. Well, since I'm still very young, I feel that we can sort of take, I guess, the risks that we need to. I think the last time I spoke to one of the advisers, we had a chat about it, and she sort of mentioned to me that I'm fully young in this sort of great stages. You know, obviously, I'm in my forties, but Yeah. we we could still sort of take those, obviously, not not riskier sort of steps, but, you know, I mean, no. I'm not retiring tomorrow, so we can sort of just stay in the same sort of course we're on at the moment. Yeah. And, And obviously, when it we comes to retirement, are you aiming for that kind of see earlier towards age 60 if you can, or are you just trying to catch up and get as much as you can by well, age obviously pension of 60 seven? yeah. Look, I've only been in the country sort of, you know, over ten years now. So I'm trying to catch up to everybody else because, you know, all the other countries I still worked in didn't have this sort of super that the employees pay, you know, into your super top thing. So I'm I'm I'm kinda Yeah. just trying to catch up with everybody else. Okay.","start_word":1276,"end_word":1528,"sentiment":"neutral","sentiment_score":0.01401468769834918},{"text":"But, yeah, look, I'm I'm I'm pretty happy the way we're going at the moment.","start_word":1529,"end_word":1543,"sentiment":"positive","sentiment_score":0.4190081954002381},{"text":"If I obviously get to my sixties and, yep, I can sort of retire, we'll sort of look at it then.","start_word":1544,"end_word":1564,"sentiment":"neutral","sentiment_score":0.13724158704280853},{"text":"But at the moment, I'm I'm pretty happy with the way it's going at the you know, it's going Awesome. yeah.","start_word":1565,"end_word":1585,"sentiment":"positive","sentiment_score":0.5401932001113892},{"text":"So then it makes sense to keep you in a pretty high growth approach with that kind of 80 to 90 in growth assets, your shares, and your property, and your gold to try and get the high long term returns. Yep. If Yep. we can Yep. get a bulk of returns and contributions over the next ten years, we can try and build you up to that kind of $3,400,000 mark, and then it kind of takes off pretty quickly from then to that kind Ross. of $6.07, 800,000. But then you've got a balanced risk at the end, like you said. So 40 to 50, you can go quite heavy into growth. In those last ten years, we need to slowly reduce the risk level Yep. down because high growth is recommended if you've got a decade plus. Once you start Yeah. hitting that seven, eight years, we should probably start trimming it down from, say, 90%, eighty, seventy, 60, fifty, forty gradually over that last decade into Yep. pension phase in the sixties. Okay.","start_word":1586,"end_word":1762,"sentiment":"neutral","sentiment_score":0.12376665802262092},{"text":"Cool.","start_word":1763,"end_word":1763,"sentiment":"positive","sentiment_score":0.35087138414382935},{"text":"Yeah. No. Definitely.","start_word":1764,"end_word":1766,"sentiment":"neutral","sentiment_score":0.20587660372257233},{"text":"Perfect.","start_word":1767,"end_word":1767,"sentiment":"positive","sentiment_score":0.47516506910324097},{"text":"So what that basically means is it's gonna jump up and down double digits. And because you've built this base of a 150, any year, it's gonna be going up and down ten to thirty thousand while Yep. it's in high growth contributions going in until we can slow it down towards the end. No. Of course. Yeah. K?","start_word":1768,"end_word":1826,"sentiment":"neutral","sentiment_score":0.028167016804218292},{"text":"So if you're comfortable with that, I think we've kind of got it in a good place now.","start_word":1827,"end_word":1844,"sentiment":"positive","sentiment_score":0.3813128471374512},{"text":"Does Yep. the 200 a month make sense still for you in terms of a cash flow perspective? What do you mean as a salary sacrifice? Yeah. Are you still comfortable with that amount given your other goals to sort of save and purchase a house and things like that? Yeah. Look. Yeah. I'm I'm I'm kinda sort of I will think about maybe adding another $100 in if I can. Obviously, I've just got a my partner, I are sort of she I've just moved in with her, and we're obviously getting a finances sort of sort of together. And, obviously, we'll start paying off this house together topping. Mhmm. Yeah. So I'll have to just see how I'm going that way. I might look into adding some more money each month as a salary sacrifice. But at the moment, I'm just sticking to the $200 a month, I think, Yeah. You get the whatever budget under it is. control first and and Yeah. work Yeah. on Yeah. this Yeah. new move. Yeah. Yeah. Yeah. Yeah. Obviously, there's that share that, obviously, there was a massive loss to it. As long as we keep on looking at, you know, things that could happen, like, we just sort of keep on keep on it and just sort of move to something that's more more feasible.","start_word":1845,"end_word":2069,"sentiment":"neutral","sentiment_score":0.029784047976136208},{"text":"Obviously, when COVID hit, we lost we lost a lot of money, and that's obviously because there's nothing we can do about that.","start_word":2070,"end_word":2092,"sentiment":"negative","sentiment_score":-0.400907963514328},{"text":"But as long as my concern is that we just keep an eye on on things and see how they're tracking so we're not sitting in with every share sort of, you know, in the in the rear, you know, in the rear top thing. That's all. Yeah. And one of the things that it's gonna happen twice between now and retirement is Yep. there's gonna be that global financial crisis style crash at some point where Yep. we're gonna kind of for the first decade, if we do find that every asset class goes down at the same time, we can't control that level of weather, Yeah. Yeah. and And of course. we can also just chuck you in cash and then mistime getting back in. But what we will do is if there's any double digit drops where the whole world melts down, we're gonna basically use that as a buying opportunity to pick up the best assets possible for when it goes back up. Okay. In the Yeah. second phase, it'll be about, okay, if we've had a 15% return, let's reduce your risk level down ahead of time because we're ahead of the curve. Of course. So Yeah. very conscious of it. My job with the team and the investment committee is to make sure everything in the portfolio is good quality. And if there's a major concern with one type, that we do look at switching it when it's appropriate. No. Of course. Yeah. No. That sounds fine.","start_word":2093,"end_word":2345,"sentiment":"neutral","sentiment_score":0.003192697651684284},{"text":"Perfect. Perfect.","start_word":2346,"end_word":2347,"sentiment":"positive","sentiment_score":0.5131232738494873},{"text":"So in terms of just updating a quick few details there, you mentioned that you moved in with your partner. Yep. Was this a home purchase together? Oh, no. No. No. She's she she purchased it with her her sort of late husband, and Yep. he obviously passed away about a year ago. Okay. So I've sort of moved in, you know, just so we can sort of be together. But she's obviously had the idea that, you know, that she wants to make this place my place something. Obviously, I've not come in Yeah. and just sort of seen an opportunity to sort of, you know, get a property for myself type thing. This is obviously all her ideas and what she's been thinking. So yeah. So she sort of bought the property, obviously, a couple of years ago now. And, obviously, she's slowly been trying to pay it off by herself for a while, because her late husband sort of had mental health problems and wasn't working. So she's obviously been battling. But, Gotcha.","start_word":2348,"end_word":2523,"sentiment":"neutral","sentiment_score":0.04953801084114027},{"text":"obviously, yes, I'll be looking forward to sort of putting a lump sum into this property to sort of help her bring down those costs each month so her repayments aren't so high.","start_word":2524,"end_word":2556,"sentiment":"positive","sentiment_score":0.43462321162223816},{"text":"Yeah. So at Yeah. the moment, your priority is just kind of building the savings. Well, building the same deal. Look, I do pay rent every every every week or every time I get paid just to sort of cover, you know, bills that that that we've got since that that sort of interest. She's not sort of using her own money to sort of, you know, spend for everything. But yeah. And I am building a I'm trying to build up a hold up some, you know, cash just so I can help her with you know, when that time comes and I put my money into her home loan, it's it's Perfect.","start_word":2557,"end_word":2670,"sentiment":"neutral","sentiment_score":0.19781126081943512},{"text":"it's all So good.","start_word":2671,"end_word":2674,"sentiment":"positive","sentiment_score":0.5961512327194214},{"text":"You know? assets and liabilities wise, I think we just had noted down previously car, credit card. Is there, like, an estimated savings amount I can put down on your file? Sure. I've got about a 160,000 in savings. Yep.","start_word":2675,"end_word":2714,"sentiment":"neutral","sentiment_score":0.1879650205373764},{"text":"Perfect.","start_word":2715,"end_word":2715,"sentiment":"positive","sentiment_score":0.390190452337265},{"text":"Alrighty. But that's Sorry, yeah. mate. No. You go. That's just, you know, that's just a a sort of account that sort of matures on its own. Because, obviously, Yes. every every six to eight months, it sort of matures. And then, obviously, I'll get, you know, I'll get interest that is paid back into my account Yep. of that money. So that money is something that I'm I'm trying not to touch. I want that to sort of do its thing, and I'll just totally forget about it while it's doing its thing. You know?","start_word":2716,"end_word":2811,"sentiment":"neutral","sentiment_score":0.002774357174833616},{"text":"Perfect.","start_word":2812,"end_word":2812,"sentiment":"positive","sentiment_score":0.48477983474731445},{"text":"But, And then obviously you'll build up a yeah. separate amount to the side. Yeah. Well, I'm I'm trying to pull up a separate separate amount to decide. Yep.","start_word":2813,"end_word":2841,"sentiment":"neutral","sentiment_score":0.0913962349295616},{"text":"So Perfect.","start_word":2842,"end_word":2843,"sentiment":"positive","sentiment_score":0.44726091623306274},{"text":"yeah. So any other assets or loans or liabilities that I need to add? No. No. No. Just just the Perfect. card and the credit card that I pay off when I need to I use when I need to. That sort of thing.","start_word":2844,"end_word":2887,"sentiment":"neutral","sentiment_score":0.1076739951968193},{"text":"Fantastic.","start_word":2888,"end_word":2888,"sentiment":"positive","sentiment_score":0.6610430479049683},{"text":"So I'll leave the salary sacrifice as it is. But in terms Yep. of cash flow, I think we had you working in sort of hotel tourism on about 60,000. Is that still correct? Shit. Let me just bring up my next my last payslip. Give me two Yep. That'd seconds. be handy. No worries. Oh, and Kevin, while you're doing that, is it still Yep. Munhill Apartments? It is. Yeah. Yep. Same employer. Well, it it's same employee, but they've changed the names. It's it's sort of now a very new group that I work for. So it's we still we still have, obviously, the apartments in the name. We're still using that name, but The they've branding moved and both and such. they've moved both sort of both sort of hotels under both both name hotels under the one one one name of Berry Group. Yep. I'm just looking at my Facebook. I'm just trying to find where my what I have, what I'm also make every every like, what my annual income will be. Yeah. And because we're only about a week off financial year, if it says financial year to date, I can kind of gulf that a little bit. So financial dates. Well, I'm I'm sort of making I think it's about $38 an hour, roughly. So financial year to date, $38. And it's kind of Yeah. full time. Yeah. Yeah. Yeah. At the moment, it's I'm working hang on. I'm actually on work cover at the moment, but I was I was on sort of part time. Uh-huh. Yes. But before, obviously, gone on to not gone on to work cover till I was obviously forced to go to work cover. But, obviously, I still get paid through the insurance company, that sort of thing. But at the moment, I'm sort of part time. But when I get back to work, I'm looking at sort of moving back to a full time basis. So Okay. it will be So yeah. the financial year to date, would that be less than 60 then? And then when you go back full time, might be about Yeah. 70 I'm 7 I'm I'm, dollars. yeah, I'm guessing less than 50. Yep. K. So I might put in, like, 50 for the time being, Yeah. Okay. Yep. and I'll put that in as sort of part time. Or would it be less, you think, 45? Oh, shit. Yeah. It's put 45 in, just to be Yep. safe. 40 Yep. 5. And then we'll say the bounce up will probably be seven years, 75 k, but we'll confirm that at the next review. Yeah. Yeah. Yeah. Yeah. So that makes, obviously, cash flow a little bit difficult, but you're okay with, I guess, that temporary work cover salary sacrifice. No. We don't need to change anything there for the next No. month No. No. or I so. want I want I want that to keep the 200 as a minimum. Yep. Look, if I completely run into trouble, then we'll organize Yeah. and move You it can down stop to a it 100. at any But time. I will Drop it. I'll just talk to sort of, you know, payroll in the company and just sort of say, look, you know, we want to just move it back to a $100, you know, a month, something. Yeah. And at the moment, are you okay for me just to put your surplus cash flow as, like, a variable amount, or do you still have a set amount that you're kind of expecting to put aside? Oh, look. I'm just building that up as I can. So I don't have any sort of I'll Ad just try and move money across to separate sort of account and just hoc. let that build and and, you know, only take that out if I absolutely need to emergencies and stuff. So Yep. yeah. Alright. So I've got that in for the income, assets, and liabilities. Just a quick extra question that's a bit different is you've never gone through any kind of bankruptcy or part nine debt agreements before, have you? No. I haven't Perfect. Did you end up getting a will in place for the estate plan put done. together? I've I've actually well, I've got I've got my I haven't got a wheel in place, but I do have the super The beneficial beneficiary. form that was Yep. sent to me since through the post. So I'll obviously just fill this out, and then I'll just send it off with my beneficiary. Yeah.","start_word":2889,"end_word":3659,"sentiment":"neutral","sentiment_score":0.0022705435274523985},{"text":"Perfect.","start_word":3660,"end_word":3660,"sentiment":"positive","sentiment_score":0.37543272972106934},{"text":"And just remember with those ones is you can choose whether it the the most standard is a nonlapsing binding, so it doesn't expire, or Okay. you can make it a lapsing, so it expires every three years. And Right. binding just means it's legally binding, and the super fund has to do it. Right. Okay. Okay. Right. Can Because I just note down, are you do you know who you're gonna nominate? I do. Yes. Okay. Can I just take down your partner's name? Are you guys de facto or married? Oh, well, at the moment, the factory. De facto. Cool. Can I just note down her name for the file? I don't Yeah. need any other details, but that's so you can put that on to the beneficiary form. Yeah. It's it's Caroline. Okay. Is that c a r o l I n e? Yes, sis. Caroline McDonough. So it's m c d o just give me two seconds because I always get this wrong and she hates it Yep. because if it's misspelled. Yeah. Is it one of those Scottish Yeah. It a u g h at the end or something? no. No. No. It's it's it's either two l's and one n or two n's and one l type thing. I just want to get yeah. Yeah. It's one of those things. So I'm just trying to try and find a a bowl with her name on it. So Nope. Nope. Give me two seconds. No. I You're won't be totally long. fine. I'm just updating a few things on our systems while you do that, so please take your time. Okay. So it's m c b o n e, l l. E, double l, Yeah. with one n. Perfect. Yeah. Yeah. Got it there.","start_word":3661,"end_word":3959,"sentiment":"neutral","sentiment_score":0.01401552763521472},{"text":"Thank you very much for that, Kevin. That's alright.","start_word":3960,"end_word":3968,"sentiment":"positive","sentiment_score":0.4811324179172516},{"text":"If you had run into any trouble filling in that form, please just call the office number. Right. The team can walk you through it very, very quickly. But like I said, you basically just take, you know, some lapsing binding, put in her details, get it witnessed by two people who aren't your beneficiary because it is Okay. a legal document, and then you're pretty well good to go. Right. Okay. Okay.","start_word":3969,"end_word":4041,"sentiment":"neutral","sentiment_score":0.09529181569814682},{"text":"Cool. Sweet. I'll Alrighty.","start_word":4042,"end_word":4045,"sentiment":"positive","sentiment_score":0.3775264620780945},{"text":"yep. Definitely. Last couple of things to check is so the beneficiary that's getting sorted, Yep. I don't believe you've got any, like, insurances in place at the moment and you're on work cover. So I just wanted to ask the question if you wanted me to get any quotes for life insurance and disability and the like or if you're comfortable just letting the super build as it is. Yeah. You can we can we can look at getting some quotes and seeing what we what's available. Yeah. I may need to Nine revisit digits that once you're now. off work cover because they don't normally Yeah. offer the the insurances until that's finalized. No. And Of then course. Yeah. Yeah. Of course. Yeah. so I might even pencil in. Do you want me to do a catch up before Christmas or just at the next annual review to kind of run through the medical and the quotes and the ideas there? Yeah. Let's go to the next the next next catch up. Yep.","start_word":4046,"end_word":4220,"sentiment":"neutral","sentiment_score":0.06033933916262218},{"text":"It's Easy done.","start_word":4221,"end_word":4223,"sentiment":"positive","sentiment_score":0.441795289516449},{"text":"And do you want any other catch ups in between just as a bit of a touchpoint, or are you okay just to kind of log in every now and then and course if anything emergency fine. Yeah. pops Yeah. up? No. I'll I'll I'll keep an eye on it and see how we're going. And then I'll, if I need to, I'll just give you guys a call and just sort of just talk through a few things. If something comes up that, obviously, I'm not I'm not happy with, I'm not sure of that sort of thing. Yep. No worries at all. Alright, Kevin. So that's pretty much all the areas I wanted to cover. Is there anything in particular that you would like to discuss before we finish up? No. No. No. No. I'm I'm I'm pretty happy with with everything that's that's going going on so far. Yeah.","start_word":4224,"end_word":4375,"sentiment":"neutral","sentiment_score":-0.009233159944415092},{"text":"Perfect.","start_word":4376,"end_word":4376,"sentiment":"positive","sentiment_score":0.39660221338272095},{"text":"So in that email that I've sent you, when you scroll through those last couple of documents, beyond your net wealth performance chart, there's a bit of a vanguard chart, which is just how markets work. Yep. Yep. Yep. The documents below that, so there is a advice fee consent to remain advisers on the account. We're still charging the 1.65% at the moment, but Okay. we are working on a bit of a tiered fee structure coming in. So at your next review, we're gonna be putting in place a tiered structure so that when you're above 200,000, there will be discounts applied for every few 100,000 after that point. Right. Okay. Okay?","start_word":4377,"end_word":4490,"sentiment":"neutral","sentiment_score":0.0733545265046128},{"text":"So you'll pretty much get close to that point between now and the next review. And then for that next agreement, you should benefit from the new structure, which would be really handy.","start_word":4491,"end_word":4523,"sentiment":"positive","sentiment_score":0.5177923440933228},{"text":"Okay. Outside of that, we've included a couple of extra little documents today. We've added a tax file number declaration just to make sure you're still okay for us to hold that number because it is quite important, and Yeah. just the usual lost super search through the government just to make sure nothing's broken in the background or floating around that we don't know about, and our updated services guide. Right. Okay.","start_word":4524,"end_word":4596,"sentiment":"neutral","sentiment_score":0.14197711646556854},{"text":"Perfect.","start_word":4597,"end_word":4597,"sentiment":"positive","sentiment_score":0.6442025303840637},{"text":"Do you have any questions for me about any of those documents? No. No. All good.","start_word":4598,"end_word":4613,"sentiment":"neutral","sentiment_score":0.16628113389015198},{"text":"Cool, Kevin.","start_word":4614,"end_word":4615,"sentiment":"positive","sentiment_score":0.485374391078949},{"text":"So I'll leave that with you. If you could just click through. When you go to sign the documents, it'll stamp signatures and dates on there as you click the buttons. But if you Okay. would like to draw it on there, you can click on the signature and actually draw it like your license. Whatever your preference is, Netwealth doesn't really have an issue with digital authorization. Right. Okay. Cool. So I'm on the I'm on the it says here, sort of, click to start. And, obviously, I've got full name, signature, dates of, obviously, dates as today. Yep. And as you click the buttons, what it'll do is it'll pop each one on there automatically for you, and then it will kind of because there's six documents, but only three need to be signed, it'll actually Yep. pull you to those spots. Right. Okay. Okay. And Right. then at the end, once they're all done, there'll be a a validation button at the bottom, and that'll basically send signed copy for both of us, and you'll be able to download a signed copy for your records too. Right. Okay. Okay. This is going through this here. Twenty third of the sixth two thousand twenty six. Yeah.","start_word":4616,"end_word":4823,"sentiment":"neutral","sentiment_score":0.1648457775322291},{"text":"Cool. So I've found I've found that one.","start_word":4824,"end_word":4831,"sentiment":"positive","sentiment_score":0.35291579365730286},{"text":"I'm just looking now. Now. Next. Okay. Next. Okay. Okay. Next documents. Okay. Optional profile. Okay. Cool. That's signed. That's document. Okay. Authorization to search of lost super. Okay. Find document. Okay. Cool. That's it. I've I've found all the documents.","start_word":4832,"end_word":4872,"sentiment":"neutral","sentiment_score":0.1529996544122696},{"text":"Perfect.","start_word":4873,"end_word":4873,"sentiment":"positive","sentiment_score":0.5473573207855225},{"text":"And then if you just hit validate at the bottom, that should come through to Yep. Yep. Yep. Yep. K. I've clicked that button. Well, it validates. yeah. Sometimes it takes a minute to load. I do apologize. And then it Alright. does the old validation Sorry. circle spinning in a pop up. Yep. Alright. And then I don't know if you're trying it on the phone or the computer, but No. And I'm doing good on the computer. So, yeah, I yep. see it. Alright. And then I'm just having a bit of a refresh on the back end system here. Can you let me know once you've hit the validate button or if it's No. finished I loading? have. I have. I have. It's just it's loading now. So it's doing Oh, the thing. yep. Perfect. Sometimes those mobile networks can be quite fast. Sometimes they're quite slow, and he has to do the old resend and things like that, but usually pretty Yeah. good. And with the just while that's loading, Kevin, the beneficiaries that we sent through to you, is that ones that you've printed out, or was it like a postage with a return No. It envelope? was a postage. So it's a postage and then, obviously, it's got a return. It's got a a return. Alright.","start_word":4874,"end_word":5095,"sentiment":"neutral","sentiment_score":0.02325387729482876},{"text":"Cool. So it's signed. Perfect.","start_word":5096,"end_word":5100,"sentiment":"positive","sentiment_score":0.4467029571533203},{"text":"So when that comes through, the return envelope, I believe, should be back to us. Yep. That's come Yep. through green.","start_word":5101,"end_word":5121,"sentiment":"neutral","sentiment_score":0.233387291431427},{"text":"Thank you very much for doing that, Kevin. And then we'll get that Cool. back, and we'll submit that to Netwealth pretty quickly. Awesome. Alrighty, sir. Everything's looking pretty good.","start_word":5122,"end_word":5151,"sentiment":"positive","sentiment_score":0.5520330667495728},{"text":"Any last questions for me before I let you go? No. No. I'm I'm I'm all good.","start_word":5152,"end_word":5168,"sentiment":"neutral","sentiment_score":0.09309300780296326},{"text":"Thanks, mate. Appreciate it. Awesome. Let's hope that the news settles down for the second half of the year. Knowing our luck, probably not just yet, but after a bit of a roller coaster ride, we should be back on the the up and up. Awesome. Sounds good, mate. Alright. Have a fantastic week.","start_word":5169,"end_word":5222,"sentiment":"positive","sentiment_score":0.5166638493537903},{"text":"Anything at all, please just give us a call.","start_word":5223,"end_word":5231,"sentiment":"neutral","sentiment_score":0.298359215259552},{"text":"Will do. Thanks, man. Appreciate Thank it. you, sir.","start_word":5232,"end_word":5240,"sentiment":"positive","sentiment_score":0.6003028750419617},{"text":"Bye.","start_word":5241,"end_word":5241,"sentiment":"neutral","sentiment_score":0.30098459124565125},{"text":"Thanks.","start_word":5242,"end_word":5242,"sentiment":"positive","sentiment_score":0.5135898590087891},{"text":"Bye.","start_word":5243,"end_word":5243,"sentiment":"neutral","sentiment_score":0.28342247009277344}],"average":{"sentiment":"neutral","sentiment_score":0.0916990168105904}}}}