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I had you booked in for a bit of a follow-up on your after your annual review for an advice discussion. Is now still a good time there for you? Fantastic. How's your morning been so far? Wow. Wow. All good. And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well. Beautiful. Thank you so much for that. Well, hopefully, the rain is off for you. Do you work indoors or outdoors? Oh, so you're outside. Hopefully, the rain is off a little bit for you then. Yeah. So I was just having a bit of a read through the message here. It says that you wanted to have a bit of a chat, having a look at things. You were hoping to retire around about age 67, and you're 60 at the moment. So just looking at what we can do moving forward and some additional strategies to help you meet that goal. Is that right? Not 60 yet. No. That's okay. Let's have a look. So sorry. My computer the tab is slow this morning. No. True. There you go. July is your birthday. Yeah. No. That's okay. Perfect. Are you taking some downtime? You said a month off. You're having some downtime, taking some time off for your birthday? Yeah. Nice. Do you plan on going anywhere, or are you just kind of hoping to rest up? Yeah. Yep. I love it. And then back to work, back to reality. Yeah. Perfect. Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there. One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish. We're allowed to access some of the money under that transition retirement strategy. So we can sort of try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there. Do you think age 67 is the realistic retirement age that you're working towards? Or yeah. Perfect. And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income for you, which can provide a little bit of longevity to your super as well. So if you like, I can always sort of factor in that for you to see what that looks like. Perfect. Income wise, I have you earning so sorry. I've got it down here that you're on about 61,000 gross income at the moment. Is that about right? Are you expecting a pay rise in the next few months at all? No? No. So 61,000 income. And expenditure wise, are you finding that's a good income? Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week? What's your expenditure sorta look like? Mhmm. Yep. Yep. So you're happy just to reduce it a little bit to provide greater benefit to your super? Mhmm. Yep. Yep. That's okay. So with this sort of strategy, we are wanting to we do put more into super. Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit? You're happy to keep it as is for the moment? Yeah. Because, generally, the way this sort of strategy works is you are putting more money in the super. You can take a little bit out. It gives you the benefit of hopefully paying a little bit less than the way of income tax. You keep your take and pay exactly the same. But to get benefit out of this strategy, you do need to be able to put more money into super as well. Otherwise, you're kinda just taking some out. You don't have to look at this if you're happy with the way your super is going. We could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do? Yep. Yeah. So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%. Yeah. So it looks it's still a good return. Having a look at where you are, most of your portfolio has performed quite well. Everything is up for the year. It's just sort of looking at you've got some Ben along Australian equities. That investment has sort of underperformed a little bit. Your balance in here is around about that 120 a 128,403 in there. So it has been growing quite steadily. It is still a positive return for the year. But one of your investments in there, there's been a long Australian equities component that has had some underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit. So it is down and has had a little bit of an effect on the return for the year. As a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing. Did you want me just to hold off and we can have a catch up in a few months to see where things are up to? Yeah. Yeah. Yep. You look at it really often. Fantastic. Yeah. Excellent. That's really good. That's good. Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else? Or did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track? What would you sort of prefer to do right now? Yeah. Yep. Yeah. Yeah. Absolutely. One of the things one of the main reasons that was in your portfolio when you came on board was to give you a little bit of an actively managed component or an investment in there. However, looking at the way it's been along, have they haven't really changed a lot in that portfolio, so it really hasn't been very actively managed underlying. I could remove it out. The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost. That could provide a little bit of a benefit to you. You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money invested? I don't see that being too big of an issue. Absolutely. Absolutely. No. That's absolutely fine. And I'm just having a look. You're right. Yep. Yep. Yeah. Perfect. All good. And just having a look at the way you are invested at the moment, it does look like you have sorry. I'm just needing to see what we looks like we did do a change on your investment profile a little bit back. So last year, you had that change of risk profile, and we've moved you into more of a balanced growth port portfolio. So that generally sees around about 70% of your super invested in growth assets, reducing yeah. And also about 30%, those lowest defensive investments as well. This sort of profile does fit someone who has about five years before they're wanting to access their sofa. Are you happy of sort of staying in that lower risk environment? Did you wanna maybe look at increasing things to see if you can get greater gains moving forward, or what's your thoughts with the sort of portfolio you're in? Yep. Yeah. Absolutely. I just had a couple of small questions to kinda go through with you just to sort of assess the the the kind of risk tolerance you have as well. If you did look at your super over the next sort of six to twelve months and found it had fallen, like, say, 10 or 20 or 30% there due to what was happening in the world generally. How do you think that might be making you feel? No. Fair enough. Fair enough. Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds? Yep. Yep. Yeah. Perfect. And the reason we sort of ask those questions is that it is a realistic view. If you sort of think back to the ups and downs that we have seen in the market over the past twenty to thirty years, you've got things like the, you know, the .com bubble. You've got, you know, COVID times. The market did see a very large drop. And, also, thinking back to the early two the early two thousand sort of 08/09 period where we saw a very large crash then. So these are realistic views, and that's why we're just wanting to make sure that you're in a portfolio that can withstand the ups and downs that the market does provide and that you're able to stay within that portfolio and not cement the losses, not sell the investments until they provide you know, come through and go back up and provide you with those gains so they go through those downtimes, making sure we're not cementing losses. Yeah. Correct. Yeah. Correct. Correct. So it's really important that we do sort of have those conversations with you because we know markets can go up and down. We do know that, you know, certain things happen in the world in the market that is completely out of our control. And a lot of the market ups and downs that you do see is mostly people buying and selling because they're uncomfortable with what they're invested in there. And you're seeing something dropping or hearing something that makes them concerned, and they sell out. Because as human beings, we are very emotional creatures. We do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing. So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them. Okay? Beautiful. Perfect. Perfect. Have you ever invested in your own name before in the past, or is super the only sort of investment you've ever had? Yep. Perfect. I'm I'm sort of writing thinking you're trying to get the best return you possibly can out of your super. Yep. Yep. Perfect. And have you ever thought about borrowing from a bank or financial institution to invest or purchase property, or what's the sort of thoughts on borrowing? Yep. Your mortgage there. Yep. Yep. Yep. Perfect. Perfect. And I can see with the mortgage there, your house, you've got a value on that of about 225,000. And the mortgage is roughly about 102,000 for paying that down nicely. You're fairly comfortable with how you're paying that down. Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form? Yep. Yep. Perfect. Excellent. Yep. Absolutely. Well, if anything does, please do let us know. We do have access to mortgage brokers. They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible. And they are paid directly by the bank, so there's no cost to yourself. And we can certainly refer you to someone that helps you along. Okay? Perfect. So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there. You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment. Am I right in sort of where we're going with that one? Yeah. Beautiful. I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund. It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you. But your super benefit is all that would be paid out to your beneficiaries there. Are you fairly comfortable with that? You're not wanting to look at life cover? Yep. Yep. That's okay. Not a problem at all. The other things to sort of talk about just to make sure you are fully aware is that you don't have any TPD, so nothing to still fall back on in the event of permanent incapacity. You can also apply for your super release on the permanent incapacity. It's something we would definitely have a look at for you, but it does mean that's all you would have to fall back on in the event of a claim. And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit. But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working. You're comfortable not having any of those covers. You just wanna focus on your super. Is that right? Yep. Beautiful. Perfect. And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to? What's who's your beneficiary that or that you would wanna have everything paid to? Daughter. Perfect. And I've got her name down here for you as Emily. Is that right? Yeah. Perfect. I'm just having a quick look at your supervisor to see if that is noted there. So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see she is nominated here as a beneficiary. Now Emily is she's not a tax dependent, is she? Over 18, over 25, and full working, looks after herself? Or yep. Perfect. So just to give you the information, if you were to pass away, the benefit can be paid to her. She is a beneficiary under the superannuation law. However, if you have it directed directly to her, she would then have to pay tax on the benefit. She pays tax on the taxable component. Are you happy with the way the beneficiary is structured having her nominated, or did you want me to maybe recommend altering that in a more tax efficient way for you? What would you prefer? Happy with that? Beautiful. Absolutely. Well, what I'll do is I'll structure the updated advice for you just to switch out the investments. We'll keep you in line with the current portfolio. I'll make sure that you're still in line there. We might do a bit of a rebalance as well. I'll lift the CGT consequences to your fund there to keep more money invested for you. We'll scope out everything else for now, but we can always come back and have another sort of catch up down the track to see what else you'd like to do. Does that sound okay? Yep. Beautiful. Have I touched on everything for you? Is there anything else you wanted me to touch on? Anything else you wanted to ask me there at all, Douglas? Yep. Beautiful. Well, I will let you go. I thank you so much for your time today. We'll get cracking on that updated advice document. Once we have it ready to go, I'll get you back in, and we will go through that together. Okay? Easy. Thank you so much for your time today. I hope you have a great afternoon. I hope the rain stops for you. Beautiful. Thank you so much for your time today. If there's anything else you need, please don't ever hesitate to let me know. Okay? Thanks. Enjoy your day. 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Douglas. This is Dana from AFI Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in for a bit of a follow-up on your after your annual review for an advice discussion. Is now still a good time there for you? Fantastic. How's your morning been so far?\n\nWow. Wow. All good. And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nFantastic. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well. Beautiful. Thank you so much for that.\n\nWell, hopefully, the rain is off for you. Do you work indoors or outdoors? Oh, so you're outside. Hopefully, the rain is off a little bit for you then. Yeah.\n\nSo I was just having a bit of a read through the message here. It says that you wanted to have a bit of a chat, having a look at things. You were hoping to retire around about age 67, and you're 60 at the moment. So just looking at what we can do moving forward and some additional strategies to help you meet that goal. Is that right?\n\nNot 60 yet. No. That's okay. Let's have a look. So sorry.\n\nMy computer the tab is slow this morning. No. True. There you go. July is your birthday.\n\nYeah. No. That's okay. Perfect. Are you taking some downtime?\n\nYou said a month off. You're having some downtime, taking some time off for your birthday? Yeah. Nice. Do you plan on going anywhere, or are you just kind of hoping to rest up?\n\nYeah. Yep. I love it. And then back to work, back to reality. Yeah.\n\nPerfect. Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there. One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish. We're allowed to access some of the money under that transition retirement strategy. So we can sort of try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there.\n\nDo you think age 67 is the realistic retirement age that you're working towards? Or yeah. Perfect. And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income for you, which can provide a little bit of longevity to your super as well. So if you like, I can always sort of factor in that for you to see what that looks like.\n\nPerfect. Income wise, I have you earning so sorry. I've got it down here that you're on about 61,000 gross income at the moment. Is that about right? Are you expecting a pay rise in the next few months at all?\n\nNo? No. So 61,000 income. And expenditure wise, are you finding that's a good income? Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week?\n\nWhat's your expenditure sorta look like? Mhmm. Yep. Yep. So you're happy just to reduce it a little bit to provide greater benefit to your super?\n\nMhmm. Yep. Yep. That's okay. So with this sort of strategy, we are wanting to we do put more into super.\n\nDid you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit? You're happy to keep it as is for the moment? Yeah. Because, generally, the way this sort of strategy works is you are putting more money in the super. You can take a little bit out.\n\nIt gives you the benefit of hopefully paying a little bit less than the way of income tax. You keep your take and pay exactly the same. But to get benefit out of this strategy, you do need to be able to put more money into super as well. Otherwise, you're kinda just taking some out. You don't have to look at this if you're happy with the way your super is going.\n\nWe could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do? Yep. Yeah. So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%. Yeah.\n\nSo it looks it's still a good return. Having a look at where you are, most of your portfolio has performed quite well. Everything is up for the year. It's just sort of looking at you've got some Ben along Australian equities. That investment has sort of underperformed a little bit.\n\nYour balance in here is around about that 120 a 128,403 in there. So it has been growing quite steadily. It is still a positive return for the year. But one of your investments in there, there's been a long Australian equities component that has had some underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit. So it is down and has had a little bit of an effect on the return for the year.\n\nAs a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing. Did you want me just to hold off and we can have a catch up in a few months to see where things are up to? Yeah. Yeah. Yep.\n\nYou look at it really often. Fantastic. Yeah. Excellent. That's really good.\n\nThat's good. Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else? Or did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track? What would you sort of prefer to do right now? Yeah.\n\nYep. Yeah. Yeah. Absolutely. One of the things one of the main reasons that was in your portfolio when you came on board was to give you a little bit of an actively managed component or an investment in there.\n\nHowever, looking at the way it's been along, have they haven't really changed a lot in that portfolio, so it really hasn't been very actively managed underlying. I could remove it out. The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost. That could provide a little bit of a benefit to you. You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money invested?\n\nI don't see that being too big of an issue. Absolutely. Absolutely. No. That's absolutely fine.\n\nAnd I'm just having a look. You're right. Yep. Yep. Yeah.\n\nPerfect. All good. And just having a look at the way you are invested at the moment, it does look like you have sorry. I'm just needing to see what we looks like we did do a change on your investment profile a little bit back. So last year, you had that change of risk profile, and we've moved you into more of a balanced growth port portfolio.\n\nSo that generally sees around about 70% of your super invested in growth assets, reducing yeah. And also about 30%, those lowest defensive investments as well. This sort of profile does fit someone who has about five years before they're wanting to access their sofa. Are you happy of sort of staying in that lower risk environment? Did you wanna maybe look at increasing things to see if you can get greater gains moving forward, or what's your thoughts with the sort of portfolio you're in?\n\nYep. Yeah. Absolutely. I just had a couple of small questions to kinda go through with you just to sort of assess the the the kind of risk tolerance you have as well. If you did look at your super over the next sort of six to twelve months and found it had fallen, like, say, 10 or 20 or 30% there due to what was happening in the world generally.\n\nHow do you think that might be making you feel? No. Fair enough. Fair enough. Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds?\n\nYep. Yep. Yeah. Perfect. And the reason we sort of ask those questions is that it is a realistic view.\n\nIf you sort of think back to the ups and downs that we have seen in the market over the past twenty to thirty years, you've got things like the, you know, the .com bubble. You've got, you know, COVID times. The market did see a very large drop. And, also, thinking back to the early two the early two thousand sort of 08/09 period where we saw a very large crash then. So these are realistic views, and that's why we're just wanting to make sure that you're in a portfolio that can withstand the ups and downs that the market does provide and that you're able to stay within that portfolio and not cement the losses, not sell the investments until they provide you know, come through and go back up and provide you with those gains so they go through those downtimes, making sure we're not cementing losses.\n\nYeah. Correct. Yeah. Correct. Correct.\n\nSo it's really important that we do sort of have those conversations with you because we know markets can go up and down. We do know that, you know, certain things happen in the world in the market that is completely out of our control. And a lot of the market ups and downs that you do see is mostly people buying and selling because they're uncomfortable with what they're invested in there. And you're seeing something dropping or hearing something that makes them concerned, and they sell out. Because as human beings, we are very emotional creatures.\n\nWe do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing. So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them. Okay? Beautiful. Perfect.\n\nPerfect. Have you ever invested in your own name before in the past, or is super the only sort of investment you've ever had? Yep. Perfect. I'm I'm sort of writing thinking you're trying to get the best return you possibly can out of your super.\n\nYep. Yep. Perfect. And have you ever thought about borrowing from a bank or financial institution to invest or purchase property, or what's the sort of thoughts on borrowing? Yep.\n\nYour mortgage there. Yep. Yep. Yep. Perfect.\n\nPerfect. And I can see with the mortgage there, your house, you've got a value on that of about 225,000. And the mortgage is roughly about 102,000 for paying that down nicely. You're fairly comfortable with how you're paying that down. Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form?\n\nYep. Yep. Perfect. Excellent. Yep.\n\nAbsolutely. Well, if anything does, please do let us know. We do have access to mortgage brokers. They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible. And they are paid directly by the bank, so there's no cost to yourself.\n\nAnd we can certainly refer you to someone that helps you along. Okay? Perfect. So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there. You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment.\n\nAm I right in sort of where we're going with that one? Yeah. Beautiful. I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund. It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you.\n\nBut your super benefit is all that would be paid out to your beneficiaries there. Are you fairly comfortable with that? You're not wanting to look at life cover? Yep. Yep.\n\nThat's okay. Not a problem at all. The other things to sort of talk about just to make sure you are fully aware is that you don't have any TPD, so nothing to still fall back on in the event of permanent incapacity. You can also apply for your super release on the permanent incapacity. It's something we would definitely have a look at for you, but it does mean that's all you would have to fall back on in the event of a claim.\n\nAnd once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit. But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working. You're comfortable not having any of those covers. You just wanna focus on your super. Is that right?\n\nYep. Beautiful. Perfect. And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to? What's who's your beneficiary that or that you would wanna have everything paid to?\n\nDaughter. Perfect. And I've got her name down here for you as Emily. Is that right? Yeah.\n\nPerfect. I'm just having a quick look at your supervisor to see if that is noted there. So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see she is nominated here as a beneficiary. Now Emily is she's not a tax dependent, is she? Over 18, over 25, and full working, looks after herself?\n\nOr yep. Perfect. So just to give you the information, if you were to pass away, the benefit can be paid to her. She is a beneficiary under the superannuation law. However, if you have it directed directly to her, she would then have to pay tax on the benefit.\n\nShe pays tax on the taxable component. Are you happy with the way the beneficiary is structured having her nominated, or did you want me to maybe recommend altering that in a more tax efficient way for you? What would you prefer? Happy with that? Beautiful.\n\nAbsolutely. Well, what I'll do is I'll structure the updated advice for you just to switch out the investments. We'll keep you in line with the current portfolio. I'll make sure that you're still in line there. We might do a bit of a rebalance as well.\n\nI'll lift the CGT consequences to your fund there to keep more money invested for you. We'll scope out everything else for now, but we can always come back and have another sort of catch up down the track to see what else you'd like to do. Does that sound okay? Yep. Beautiful.\n\nHave I touched on everything for you? Is there anything else you wanted me to touch on? Anything else you wanted to ask me there at all, Douglas? Yep. Beautiful.\n\nWell, I will let you go. I thank you so much for your time today. We'll get cracking on that updated advice document. Once we have it ready to go, I'll get you back in, and we will go through that together. Okay?\n\nEasy. Thank you so much for your time today. I hope you have a great afternoon. I hope the rain stops for you. Beautiful.\n\nThank you so much for your time today. If there's anything else you need, please don't ever hesitate to let me know. Okay? Thanks. Enjoy your day.\n\nSee you later.","paragraphs":[{"sentences":[{"text":"Hi, Douglas.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.12548361718654635},{"text":"This is Dana from AFI Financial.","start":3.6,"end":5.46,"sentiment":"neutral","sentiment_score":0.16965540250142416},{"text":"How are you today?","start":5.6,"end":6.66,"sentiment":"neutral","sentiment_score":0.2055518478155136},{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6838609576225281},{"text":"Thank you.","start":10.0,"end":10.32,"sentiment":"positive","sentiment_score":0.6628835201263428}],"sentiment":"neutral","sentiment_score":0.3216739384567036,"num_words":17,"start":2.6399999,"end":10.32},{"sentences":[{"text":"Thanks for asking.","start":10.32,"end":11.2,"sentiment":"positive","sentiment_score":0.600566029548645},{"text":"I had you booked in for a bit of a follow-up on your after your annual review for an advice discussion.","start":11.2,"end":15.28,"sentiment":"neutral","sentiment_score":0.16226854068892343},{"text":"Is now still a good time there for you?","start":15.28,"end":17.195,"sentiment":"neutral","sentiment_score":0.2041914380258984},{"text":"Fantastic.","start":19.015,"end":19.515,"sentiment":"positive","sentiment_score":0.5422552227973938},{"text":"How's your morning been so far?","start":19.654999,"end":21.435,"sentiment":"neutral","sentiment_score":0.2651863172650337}],"sentiment":"neutral","sentiment_score":0.22951083779335021,"num_words":40,"start":10.32,"end":21.435},{"sentences":[{"text":"Wow.","start":24.855,"end":25.355,"sentiment":"neutral","sentiment_score":0.169967919588089},{"text":"Wow.","start":26.935,"end":27.435,"sentiment":"neutral","sentiment_score":0.1506403386592865},{"text":"All good.","start":30.52,"end":31.08,"sentiment":"positive","sentiment_score":0.39541347324848175},{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":31.08,"end":35.64,"sentiment":"neutral","sentiment_score":0.1263917860659686},{"text":"Are you happy for me to proceed with that moving forward?","start":35.64,"end":38.06,"sentiment":"neutral","sentiment_score":0.26273867758837616}],"sentiment":"neutral","sentiment_score":0.1833021608558861,"num_words":37,"start":24.855,"end":38.06},{"sentences":[{"text":"Fantastic.","start":39.88,"end":40.38,"sentiment":"positive","sentiment_score":0.4621291756629944},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":40.6,"end":44.315002,"sentiment":"neutral","sentiment_score":0.1871545435860753},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well.","start":44.855,"end":49.675,"sentiment":"neutral","sentiment_score":0.1426328518986702},{"text":"Beautiful.","start":55.579998,"end":56.06,"sentiment":"positive","sentiment_score":0.4690055847167969},{"text":"Thank you so much for that.","start":56.06,"end":57.579998,"sentiment":"positive","sentiment_score":0.5530655980110168}],"sentiment":"neutral","sentiment_score":0.22060861925081332,"num_words":49,"start":39.88,"end":57.579998},{"sentences":[{"text":"Well, hopefully, the rain is off for you.","start":57.579998,"end":59.5,"sentiment":"neutral","sentiment_score":0.03748256736434996},{"text":"Do you work indoors or outdoors?","start":59.5,"end":61.04,"sentiment":"neutral","sentiment_score":-0.0004964542264739672},{"text":"Oh, so you're outside.","start":63.1,"end":64.14,"sentiment":"neutral","sentiment_score":0.019045366439968348},{"text":"Hopefully, the rain is off a little bit for you then.","start":64.14,"end":66.64,"sentiment":"neutral","sentiment_score":0.02396438711068847},{"text":"Yeah.","start":68.645,"end":69.145,"sentiment":"neutral","sentiment_score":0.040659546852111816}],"sentiment":"neutral","sentiment_score":0.022577702812850476,"num_words":30,"start":57.579998,"end":69.145},{"sentences":[{"text":"So I was just having a bit of a read through the message here.","start":69.845,"end":73.284996,"sentiment":"neutral","sentiment_score":0.040997279807925224},{"text":"It says that you wanted to have a bit of a chat, having a look at things.","start":73.284996,"end":76.645,"sentiment":"neutral","sentiment_score":0.05639232815626789},{"text":"You were hoping to retire around about age 67, and you're 60 at the moment.","start":76.645,"end":80.805,"sentiment":"neutral","sentiment_score":0.06129821054637432},{"text":"So just looking at what we can do moving forward and some additional strategies to help you meet that goal.","start":80.805,"end":85.799995,"sentiment":"neutral","sentiment_score":0.16443851590156555},{"text":"Is that right?","start":85.799995,"end":86.7,"sentiment":"neutral","sentiment_score":0.041224256778756775}],"sentiment":"neutral","sentiment_score":0.08499344554392324,"num_words":69,"start":69.845,"end":86.7},{"sentences":[{"text":"Not 60 yet.","start":89.64,"end":90.84,"sentiment":"neutral","sentiment_score":-0.07754258066415787},{"text":"No.","start":90.84,"end":91.08,"sentiment":"neutral","sentiment_score":-0.08202759176492691},{"text":"That's okay.","start":91.08,"end":91.88,"sentiment":"neutral","sentiment_score":-0.03538333531469107},{"text":"Let's have a look.","start":91.88,"end":93.02,"sentiment":"neutral","sentiment_score":0.012128784321248531},{"text":"So sorry.","start":93.08,"end":96.405,"sentiment":"neutral","sentiment_score":-0.0883391723036766}],"sentiment":"neutral","sentiment_score":-0.04279876764242848,"num_words":12,"start":89.64,"end":96.405},{"sentences":[{"text":"My computer the tab is slow this morning.","start":96.405,"end":98.585,"sentiment":"neutral","sentiment_score":-0.20556173473596573},{"text":"No.","start":99.604996,"end":99.925,"sentiment":"neutral","sentiment_score":-0.0698803961277008},{"text":"True.","start":99.925,"end":100.325,"sentiment":"neutral","sentiment_score":-0.04150364175438881},{"text":"There you go.","start":100.325,"end":101.225,"sentiment":"neutral","sentiment_score":-0.025512943665186565},{"text":"July is your birthday.","start":101.284996,"end":102.585,"sentiment":"neutral","sentiment_score":-0.009186695562675595}],"sentiment":"neutral","sentiment_score":-0.10995079582447514,"num_words":17,"start":96.405,"end":102.585},{"sentences":[{"text":"Yeah.","start":105.045,"end":105.525,"sentiment":"neutral","sentiment_score":0.0014208313077688215},{"text":"No.","start":105.525,"end":105.765,"sentiment":"neutral","sentiment_score":-0.025989191606640816},{"text":"That's okay.","start":105.765,"end":106.485,"sentiment":"neutral","sentiment_score":0.016088030766695738},{"text":"Perfect.","start":106.485,"end":106.885,"sentiment":"neutral","sentiment_score":0.112329363822937},{"text":"Are you taking some downtime?","start":106.885,"end":108.085,"sentiment":"neutral","sentiment_score":0.009014583146199583}],"sentiment":"neutral","sentiment_score":0.01650099807884544,"num_words":10,"start":105.045,"end":108.085},{"sentences":[{"text":"You said a month off.","start":108.085,"end":109.74,"sentiment":"neutral","sentiment_score":-0.022514178603887557},{"text":"You're having some downtime, taking some time off for your birthday?","start":109.74,"end":112.399994,"sentiment":"neutral","sentiment_score":-0.0023737390610304747},{"text":"Yeah.","start":114.14,"end":114.619995,"sentiment":"neutral","sentiment_score":0.0666695088148117},{"text":"Nice.","start":114.619995,"end":115.02,"sentiment":"neutral","sentiment_score":0.14135152101516724},{"text":"Do you plan on going anywhere, or are you just kind of hoping to rest up?","start":115.02,"end":119.759995,"sentiment":"neutral","sentiment_score":0.03862355323508382}],"sentiment":"neutral","sentiment_score":0.020215172320604324,"num_words":34,"start":108.085,"end":119.759995},{"sentences":[{"text":"Yeah.","start":125.035,"end":125.535,"sentiment":"positive","sentiment_score":0.3745189309120178},{"text":"Yep.","start":128.075,"end":128.575,"sentiment":"positive","sentiment_score":0.3897624909877777},{"text":"I love it.","start":132.075,"end":132.875,"sentiment":"positive","sentiment_score":0.8661395907402039},{"text":"And then back to work, back to reality.","start":132.875,"end":134.815,"sentiment":"positive","sentiment_score":0.40214480832219124},{"text":"Yeah.","start":136.71,"end":137.03,"sentiment":"positive","sentiment_score":0.457340806722641}],"sentiment":"positive","sentiment_score":0.5026571048157555,"num_words":14,"start":125.035,"end":137.03},{"sentences":[{"text":"Perfect.","start":137.03,"end":137.53,"sentiment":"positive","sentiment_score":0.6777126789093018},{"text":"Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there.","start":137.91,"end":144.17,"sentiment":"neutral","sentiment_score":0.2526826709508896},{"text":"One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish.","start":144.31,"end":154.365,"sentiment":"neutral","sentiment_score":0.21806006133556366},{"text":"We're allowed to access some of the money under that transition retirement strategy.","start":154.365,"end":158.225,"sentiment":"neutral","sentiment_score":0.1903344438626216},{"text":"So we can sort of try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there.","start":158.285,"end":168.60999,"sentiment":"neutral","sentiment_score":0.3026193992511646}],"sentiment":"neutral","sentiment_score":0.25525017794188076,"num_words":111,"start":137.03,"end":168.60999},{"sentences":[{"text":"Do you think age 67 is the realistic retirement age that you're working towards?","start":169.15,"end":174.20999,"sentiment":"neutral","sentiment_score":0.026719524392059872},{"text":"Or yeah.","start":174.26999,"end":176.98999,"sentiment":"neutral","sentiment_score":0.10914829652756453},{"text":"Perfect.","start":176.98999,"end":177.48999,"sentiment":"positive","sentiment_score":0.4313479959964752},{"text":"And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income for you, which can provide a little bit of longevity to your super as well.","start":177.995,"end":191.03499,"sentiment":"neutral","sentiment_score":0.28077886015810866},{"text":"So if you like, I can always sort of factor in that for you to see what that looks like.","start":191.03499,"end":196.28,"sentiment":"neutral","sentiment_score":0.15590481236577033}],"sentiment":"neutral","sentiment_score":0.206409769110559,"num_words":84,"start":169.15,"end":196.28},{"sentences":[{"text":"Perfect.","start":198.58,"end":199.08,"sentiment":"positive","sentiment_score":0.3939526379108429},{"text":"Income wise, I have you earning so sorry.","start":200.34,"end":203.24,"sentiment":"neutral","sentiment_score":0.07566854963079095},{"text":"I've got it down here that you're on about 61,000 gross income at the moment.","start":203.62,"end":208.735,"sentiment":"neutral","sentiment_score":0.04666239985575279},{"text":"Is that about right?","start":208.735,"end":209.69499,"sentiment":"neutral","sentiment_score":0.013987442944198847},{"text":"Are you expecting a pay rise in the next few months at all?","start":209.69499,"end":212.435,"sentiment":"neutral","sentiment_score":-0.026593968272209167}],"sentiment":"neutral","sentiment_score":0.034377200415403375,"num_words":41,"start":198.58,"end":212.435},{"sentences":[{"text":"No?","start":214.575,"end":215.075,"sentiment":"neutral","sentiment_score":-0.14884266257286072},{"text":"No.","start":215.375,"end":215.875,"sentiment":"neutral","sentiment_score":-0.1584303081035614},{"text":"So 61,000 income.","start":217.855,"end":219.34999,"sentiment":"neutral","sentiment_score":-0.045454033340017},{"text":"And expenditure wise, are you finding that's a good income?","start":220.04999,"end":222.93,"sentiment":"neutral","sentiment_score":0.0019456782145425681},{"text":"Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week?","start":222.93,"end":231.40999,"sentiment":"neutral","sentiment_score":-0.00004881830705750373}],"sentiment":"neutral","sentiment_score":-0.009254166436300653,"num_words":46,"start":214.575,"end":231.40999},{"sentences":[{"text":"What's your expenditure sorta look like?","start":231.40999,"end":233.59,"sentiment":"neutral","sentiment_score":-0.034387133084237576},{"text":"Mhmm.","start":238.245,"end":238.745,"sentiment":"neutral","sentiment_score":-0.0771622508764267},{"text":"Yep.","start":240.885,"end":241.205,"sentiment":"neutral","sentiment_score":0.08027230203151703},{"text":"Yep.","start":241.205,"end":241.525,"sentiment":"neutral","sentiment_score":0.08281498402357101},{"text":"So you're happy just to reduce it a little bit to provide greater benefit to your super?","start":241.525,"end":245.625,"sentiment":"neutral","sentiment_score":0.2360866307931514}],"sentiment":"neutral","sentiment_score":0.14973365231372343,"num_words":26,"start":231.40999,"end":245.625},{"sentences":[{"text":"Mhmm.","start":251.76,"end":252.26,"sentiment":"neutral","sentiment_score":0.22203019261360168},{"text":"Yep.","start":252.32,"end":252.82,"sentiment":"neutral","sentiment_score":0.15463176369667053},{"text":"Yep.","start":261.135,"end":261.61502,"sentiment":"neutral","sentiment_score":0.16266439855098724},{"text":"That's okay.","start":261.61502,"end":262.33502,"sentiment":"neutral","sentiment_score":0.2913443297147751},{"text":"So with this sort of strategy, we are wanting to we do put more into super.","start":262.33502,"end":266.575,"sentiment":"neutral","sentiment_score":0.21981544606387615}],"sentiment":"neutral","sentiment_score":0.22090772149108706,"num_words":21,"start":251.76,"end":266.575},{"sentences":[{"text":"Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit?","start":266.575,"end":278.06,"sentiment":"neutral","sentiment_score":0.1068062564092023},{"text":"You're happy to keep it as is for the moment?","start":280.84,"end":283.02,"sentiment":"neutral","sentiment_score":0.14851909279823303},{"text":"Yeah.","start":284.515,"end":284.83502,"sentiment":"neutral","sentiment_score":0.1427113711833954},{"text":"Because, generally, the way this sort of strategy works is you are putting more money in the super.","start":284.83502,"end":289.155,"sentiment":"neutral","sentiment_score":0.2779219175378482},{"text":"You can take a little bit out.","start":289.155,"end":290.435,"sentiment":"neutral","sentiment_score":0.30558776429721285}],"sentiment":"neutral","sentiment_score":0.1761666216795713,"num_words":71,"start":266.575,"end":290.435},{"sentences":[{"text":"It gives you the benefit of hopefully paying a little bit less than the way of income tax.","start":290.435,"end":294.27502,"sentiment":"neutral","sentiment_score":0.2735854271385405},{"text":"You keep your take and pay exactly the same.","start":294.27502,"end":296.61502,"sentiment":"neutral","sentiment_score":0.30744144982761806},{"text":"But to get benefit out of this strategy, you do need to be able to put more money into super as well.","start":297.21002,"end":302.17,"sentiment":"neutral","sentiment_score":0.2916636981747367},{"text":"Otherwise, you're kinda just taking some out.","start":302.17,"end":304.51,"sentiment":"neutral","sentiment_score":0.13743257416146143},{"text":"You don't have to look at this if you're happy with the way your super is going.","start":304.57,"end":308.19,"sentiment":"neutral","sentiment_score":0.2881741006584728}],"sentiment":"neutral","sentiment_score":0.2735493127001475,"num_words":73,"start":290.435,"end":308.19},{"sentences":[{"text":"We could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do?","start":308.33002,"end":318.56497,"sentiment":"neutral","sentiment_score":0.13347961804406208},{"text":"Yep.","start":320.705,"end":321.205,"sentiment":"neutral","sentiment_score":0.10306911170482635},{"text":"Yeah.","start":329.68,"end":330.18,"sentiment":"neutral","sentiment_score":0.04713008552789688},{"text":"So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%.","start":331.68,"end":348.45502,"sentiment":"neutral","sentiment_score":0.09545652143830477},{"text":"Yeah.","start":350.67502,"end":350.99503,"sentiment":"neutral","sentiment_score":0.18401336669921875}],"sentiment":"neutral","sentiment_score":0.11457717977464199,"num_words":90,"start":308.33002,"end":350.99503},{"sentences":[{"text":"So it looks it's still a good return.","start":350.99503,"end":352.855,"sentiment":"positive","sentiment_score":0.33955246582627296},{"text":"Having a look at where you are, most of your portfolio has performed quite well.","start":353.15503,"end":358.07,"sentiment":"neutral","sentiment_score":0.31070215702056886},{"text":"Everything is up for the year.","start":358.07,"end":359.66998,"sentiment":"positive","sentiment_score":0.41580579181512195},{"text":"It's just sort of looking at you've got some Ben along Australian equities.","start":359.66998,"end":363.03,"sentiment":"neutral","sentiment_score":0.10810504280603848},{"text":"That investment has sort of underperformed a little bit.","start":363.03,"end":365.85,"sentiment":"neutral","sentiment_score":-0.19519085188706717}],"sentiment":"neutral","sentiment_score":0.1866751906334185,"num_words":51,"start":350.99503,"end":365.85},{"sentences":[{"text":"Your balance in here is around about that 120 a 128,403 in there.","start":366.22998,"end":374.63498,"sentiment":"neutral","sentiment_score":0.14702697556752425},{"text":"So it has been growing quite steadily.","start":374.63498,"end":376.31497,"sentiment":"positive","sentiment_score":0.5303856091839927},{"text":"It is still a positive return for the year.","start":376.31497,"end":378.57498,"sentiment":"positive","sentiment_score":0.6864586737420824},{"text":"But one of your investments in there, there's been a long Australian equities component that has had some underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit.","start":378.79498,"end":389.66998,"sentiment":"neutral","sentiment_score":-0.32517789457088864},{"text":"So it is down and has had a little bit of an effect on the return for the year.","start":389.66998,"end":393.69,"sentiment":"negative","sentiment_score":-0.3905152694175118}],"sentiment":"neutral","sentiment_score":-0.09539712640060775,"num_words":87,"start":366.22998,"end":393.69},{"sentences":[{"text":"As a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing.","start":394.22998,"end":409.93002,"sentiment":"neutral","sentiment_score":-0.1767617842476619},{"text":"Did you want me just to hold off and we can have a catch up in a few months to see where things are up to?","start":409.99002,"end":414.81003,"sentiment":"neutral","sentiment_score":-0.07880287015667328},{"text":"Yeah.","start":419.75,"end":420.0,"sentiment":"neutral","sentiment_score":0.01159781776368618},{"text":"Yeah.","start":420.0,"end":420.405,"sentiment":"neutral","sentiment_score":0.025729676708579063},{"text":"Yep.","start":427.205,"end":427.685,"sentiment":"neutral","sentiment_score":0.07228585332632065}],"sentiment":"neutral","sentiment_score":-0.13970561602780984,"num_words":86,"start":394.22998,"end":427.685},{"sentences":[{"text":"You look at it really often.","start":427.685,"end":428.885,"sentiment":"neutral","sentiment_score":0.10286038368940353},{"text":"Fantastic.","start":428.885,"end":429.385,"sentiment":"positive","sentiment_score":0.46902862191200256},{"text":"Yeah.","start":433.54,"end":434.04,"sentiment":"neutral","sentiment_score":0.2062211781740189},{"text":"Excellent.","start":434.26,"end":434.74002,"sentiment":"positive","sentiment_score":0.48280826210975647},{"text":"That's really good.","start":434.74002,"end":435.54,"sentiment":"positive","sentiment_score":0.5217342376708984}],"sentiment":"neutral","sentiment_score":0.2783685897787412,"num_words":12,"start":427.685,"end":435.54},{"sentences":[{"text":"That's good.","start":435.54,"end":436.26,"sentiment":"positive","sentiment_score":0.4215412437915802},{"text":"Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else?","start":436.26,"end":441.86002,"sentiment":"neutral","sentiment_score":-0.004787975301345189},{"text":"Or did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track?","start":441.86002,"end":446.755,"sentiment":"neutral","sentiment_score":0.02027731692349469},{"text":"What would you sort of prefer to do right now?","start":446.755,"end":448.935,"sentiment":"neutral","sentiment_score":-0.041478590294718745},{"text":"Yeah.","start":452.755,"end":453.255,"sentiment":"neutral","sentiment_score":-0.07807304710149765}],"sentiment":"neutral","sentiment_score":0.013068255953124313,"num_words":61,"start":435.54,"end":453.255},{"sentences":[{"text":"Yep.","start":453.63498,"end":454.13498,"sentiment":"neutral","sentiment_score":-0.0575861856341362},{"text":"Yeah.","start":460.53,"end":461.03,"sentiment":"neutral","sentiment_score":-0.013891327194869518},{"text":"Yeah.","start":461.73,"end":462.05002,"sentiment":"neutral","sentiment_score":-0.0034505706280469894},{"text":"Absolutely.","start":462.05002,"end":462.55002,"sentiment":"neutral","sentiment_score":0.018740328028798103},{"text":"One of the things one of the main reasons that was in your portfolio when you came on board was to give you a little bit of an actively managed component or an investment in there.","start":463.41,"end":472.755,"sentiment":"neutral","sentiment_score":-0.04387228594472011}],"sentiment":"neutral","sentiment_score":-0.040889751235954466,"num_words":40,"start":453.63498,"end":472.755},{"sentences":[{"text":"However, looking at the way it's been along, have they haven't really changed a lot in that portfolio, so it really hasn't been very actively managed underlying.","start":473.23502,"end":480.375,"sentiment":"neutral","sentiment_score":-0.18155700851369788},{"text":"I could remove it out.","start":481.155,"end":482.275,"sentiment":"neutral","sentiment_score":-0.13395875841379165},{"text":"The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost.","start":482.275,"end":488.25,"sentiment":"neutral","sentiment_score":0.24645735582579736},{"text":"That could provide a little bit of a benefit to you.","start":488.73,"end":490.97,"sentiment":"positive","sentiment_score":0.5776200050657446},{"text":"You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money invested?","start":490.97,"end":498.01,"sentiment":"positive","sentiment_score":0.554334204772423}],"sentiment":"neutral","sentiment_score":0.23711787532818945,"num_words":95,"start":473.23502,"end":498.01},{"sentences":[{"text":"I don't see that being too big of an issue.","start":498.01,"end":500.43,"sentiment":"negative","sentiment_score":-0.3355532556772232},{"text":"Absolutely.","start":503.20502,"end":503.70502,"sentiment":"neutral","sentiment_score":0.1384168118238449},{"text":"Absolutely.","start":504.64502,"end":505.14502,"sentiment":"neutral","sentiment_score":0.07762579619884491},{"text":"No.","start":505.525,"end":505.845,"sentiment":"neutral","sentiment_score":-0.061272993683815},{"text":"That's absolutely fine.","start":505.845,"end":507.14502,"sentiment":"neutral","sentiment_score":0.0871644268433253}],"sentiment":"neutral","sentiment_score":-0.18370435386896133,"num_words":16,"start":498.01,"end":507.14502},{"sentences":[{"text":"And I'm just having a look.","start":507.525,"end":508.825,"sentiment":"neutral","sentiment_score":0.05436304211616516},{"text":"You're right.","start":509.685,"end":510.42502,"sentiment":"neutral","sentiment_score":0.05487109255045652},{"text":"Yep.","start":510.965,"end":511.465,"sentiment":"neutral","sentiment_score":0.10480275750160216},{"text":"Yep.","start":515.38,"end":515.86005,"sentiment":"neutral","sentiment_score":0.12748543918132782},{"text":"Yeah.","start":515.86005,"end":516.26,"sentiment":"neutral","sentiment_score":0.25631362199783325}],"sentiment":"neutral","sentiment_score":0.08404747786169703,"num_words":11,"start":507.525,"end":516.26},{"sentences":[{"text":"Perfect.","start":516.26,"end":516.76,"sentiment":"positive","sentiment_score":0.43347302079200745},{"text":"All good.","start":517.06,"end":517.80005,"sentiment":"positive","sentiment_score":0.3836870789527893},{"text":"And just having a look at the way you are invested at the moment, it does look like you have sorry.","start":517.94,"end":522.82,"sentiment":"neutral","sentiment_score":0.014587208451259704},{"text":"I'm just needing to see what we looks like we did do a change on your investment profile a little bit back.","start":522.82,"end":530.695,"sentiment":"neutral","sentiment_score":-0.012482537337663498},{"text":"So last year, you had that change of risk profile, and we've moved you into more of a balanced growth port portfolio.","start":532.995,"end":540.935,"sentiment":"neutral","sentiment_score":0.09490391307256439}],"sentiment":"neutral","sentiment_score":0.048830129740321464,"num_words":68,"start":516.26,"end":540.935},{"sentences":[{"text":"So that generally sees around about 70% of your super invested in growth assets, reducing yeah.","start":541.39496,"end":548.92,"sentiment":"neutral","sentiment_score":0.11894574388861656},{"text":"And also about 30%, those lowest defensive investments as well.","start":548.92,"end":552.54,"sentiment":"neutral","sentiment_score":0.0958064679056406},{"text":"This sort of profile does fit someone who has about five years before they're wanting to access their sofa.","start":552.92,"end":558.095,"sentiment":"neutral","sentiment_score":0.11107777725709111},{"text":"Are you happy of sort of staying in that lower risk environment?","start":558.71497,"end":561.77496,"sentiment":"neutral","sentiment_score":0.16529894123474756},{"text":"Did you wanna maybe look at increasing things to see if you can get greater gains moving forward, or what's your thoughts with the sort of portfolio you're in?","start":561.915,"end":569.46,"sentiment":"neutral","sentiment_score":0.13412217988536276}],"sentiment":"neutral","sentiment_score":0.12610238210059876,"num_words":86,"start":541.39496,"end":569.46},{"sentences":[{"text":"Yep.","start":575.38,"end":575.88,"sentiment":"neutral","sentiment_score":0.015306091867387297},{"text":"Yeah.","start":578.74005,"end":579.24005,"sentiment":"neutral","sentiment_score":0.05505077540874481},{"text":"Absolutely.","start":579.30005,"end":579.80005,"sentiment":"neutral","sentiment_score":0.08591760694980621},{"text":"I just had a couple of small questions to kinda go through with you just to sort of assess the the the kind of risk tolerance you have as well.","start":580.82,"end":589.40497,"sentiment":"neutral","sentiment_score":0.04174151134987672},{"text":"If you did look at your super over the next sort of six to twelve months and found it had fallen, like, say, 10 or 20 or 30% there due to what was happening in the world generally.","start":590.02496,"end":600.12,"sentiment":"neutral","sentiment_score":-0.05140556826403266}],"sentiment":"neutral","sentiment_score":-0.007674532102971849,"num_words":71,"start":575.38,"end":600.12},{"sentences":[{"text":"How do you think that might be making you feel?","start":600.18,"end":602.52,"sentiment":"neutral","sentiment_score":-0.0006882205605506893},{"text":"No.","start":605.7,"end":606.02,"sentiment":"neutral","sentiment_score":-0.199714794754982},{"text":"Fair enough.","start":606.02,"end":606.66003,"sentiment":"neutral","sentiment_score":-0.12707023322582245},{"text":"Fair enough.","start":606.66003,"end":607.3,"sentiment":"neutral","sentiment_score":-0.003043748438358307},{"text":"Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds?","start":607.3,"end":618.915,"sentiment":"neutral","sentiment_score":-0.04336863239200748}],"sentiment":"neutral","sentiment_score":-0.04049824923276901,"num_words":64,"start":600.18,"end":618.915},{"sentences":[{"text":"Yep.","start":624.99,"end":625.49,"sentiment":"neutral","sentiment_score":0.08556343615055084},{"text":"Yep.","start":627.55,"end":628.03,"sentiment":"neutral","sentiment_score":0.18580429255962372},{"text":"Yeah.","start":628.03,"end":628.43,"sentiment":"positive","sentiment_score":0.4458939135074615},{"text":"Perfect.","start":628.43,"end":628.93,"sentiment":"positive","sentiment_score":0.6611019372940063},{"text":"And the reason we sort of ask those questions is that it is a realistic view.","start":628.99,"end":632.51,"sentiment":"positive","sentiment_score":0.40756002627313137}],"sentiment":"positive","sentiment_score":0.3949661999940872,"num_words":20,"start":624.99,"end":632.51},{"sentences":[{"text":"If you sort of think back to the ups and downs that we have seen in the market over the past twenty to thirty years, you've got things like the, you know, the .com bubble.","start":632.51,"end":641.735,"sentiment":"neutral","sentiment_score":-0.04210176020860672},{"text":"You've got, you know, COVID times.","start":641.735,"end":643.175,"sentiment":"neutral","sentiment_score":-0.13077088445425034},{"text":"The market did see a very large drop.","start":643.175,"end":645.355,"sentiment":"neutral","sentiment_score":-0.23156331107020378},{"text":"And, also, thinking back to the early two the early two thousand sort of 08/09 period where we saw a very large crash then.","start":645.89496,"end":652.935,"sentiment":"neutral","sentiment_score":-0.19553365092724562},{"text":"So these are realistic views, and that's why we're just wanting to make sure that you're in a portfolio that can withstand the ups and downs that the market does provide and that you're able to stay within that portfolio and not cement the losses, not sell the investments until they provide you know, come through and go back up and provide you with those gains so they go through those downtimes, making sure we're not cementing losses.","start":652.935,"end":677.125,"sentiment":"neutral","sentiment_score":0.20166201003564474}],"sentiment":"neutral","sentiment_score":0.045868448728066405,"num_words":151,"start":632.51,"end":677.125},{"sentences":[{"text":"Yeah.","start":677.745,"end":678.245,"sentiment":"neutral","sentiment_score":0.0900454893708229},{"text":"Correct.","start":678.305,"end":678.805,"sentiment":"neutral","sentiment_score":0.11733660846948624},{"text":"Yeah.","start":680.145,"end":680.645,"sentiment":"neutral","sentiment_score":0.10443932563066484},{"text":"Correct.","start":680.705,"end":681.205,"sentiment":"neutral","sentiment_score":0.15252238512039185},{"text":"Correct.","start":681.265,"end":681.765,"sentiment":"neutral","sentiment_score":0.1725061684846878}],"sentiment":"neutral","sentiment_score":0.1273699954152107,"num_words":5,"start":677.745,"end":681.765},{"sentences":[{"text":"So it's really important that we do sort of have those conversations with you because we know markets can go up and down.","start":681.825,"end":687.22003,"sentiment":"neutral","sentiment_score":-0.00278858808071717},{"text":"We do know that, you know, certain things happen in the world in the market that is completely out of our control.","start":687.22003,"end":692.60004,"sentiment":"neutral","sentiment_score":-0.20334542068568143},{"text":"And a lot of the market ups and downs that you do see is mostly people buying and selling because they're uncomfortable with what they're invested in there.","start":692.98,"end":700.325,"sentiment":"neutral","sentiment_score":-0.24351536855101585},{"text":"And you're seeing something dropping or hearing something that makes them concerned, and they sell out.","start":700.325,"end":704.72504,"sentiment":"neutral","sentiment_score":-0.3155402550473809},{"text":"Because as human beings, we are very emotional creatures.","start":704.72504,"end":707.765,"sentiment":"neutral","sentiment_score":-0.2606930351919598}],"sentiment":"neutral","sentiment_score":-0.19133722956995575,"num_words":98,"start":681.825,"end":707.765},{"sentences":[{"text":"We do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing.","start":707.765,"end":716.46,"sentiment":"neutral","sentiment_score":-0.26619390824011396},{"text":"So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them.","start":716.46,"end":727.995,"sentiment":"neutral","sentiment_score":0.0660456851546769},{"text":"Okay?","start":727.995,"end":728.495,"sentiment":"neutral","sentiment_score":0.06455916166305542},{"text":"Beautiful.","start":730.555,"end":731.055,"sentiment":"positive","sentiment_score":0.7295385003089905},{"text":"Perfect.","start":733.755,"end":734.255,"sentiment":"positive","sentiment_score":0.6108396053314209}],"sentiment":"neutral","sentiment_score":-0.036434168050572556,"num_words":79,"start":707.765,"end":734.255},{"sentences":[{"text":"Perfect.","start":734.475,"end":734.975,"sentiment":"positive","sentiment_score":0.4350352287292481},{"text":"Have you ever invested in your own name before in the past, or is super the only sort of investment you've ever had?","start":735.67004,"end":741.45,"sentiment":"neutral","sentiment_score":0.07068918855941814},{"text":"Yep.","start":743.43,"end":743.93,"sentiment":"neutral","sentiment_score":0.1595894992351532},{"text":"Perfect.","start":744.07,"end":744.57,"sentiment":"positive","sentiment_score":0.3729179799556732},{"text":"I'm I'm sort of writing thinking you're trying to get the best return you possibly can out of your super.","start":745.43,"end":749.77,"sentiment":"neutral","sentiment_score":0.30055094659328463}],"sentiment":"neutral","sentiment_score":0.18705245601418224,"num_words":46,"start":734.475,"end":749.77},{"sentences":[{"text":"Yep.","start":754.125,"end":754.445,"sentiment":"neutral","sentiment_score":0.10240183770656586},{"text":"Yep.","start":754.445,"end":754.84503,"sentiment":"neutral","sentiment_score":0.13417239487171173},{"text":"Perfect.","start":754.84503,"end":755.34503,"sentiment":"neutral","sentiment_score":0.26520514488220215},{"text":"And have you ever thought about borrowing from a bank or financial institution to invest or purchase property, or what's the sort of thoughts on borrowing?","start":755.565,"end":764.065,"sentiment":"neutral","sentiment_score":0.057520442069149934},{"text":"Yep.","start":764.36505,"end":764.685,"sentiment":"neutral","sentiment_score":0.031504467129707336}],"sentiment":"neutral","sentiment_score":0.06762717794626952,"num_words":30,"start":754.125,"end":764.685},{"sentences":[{"text":"Your mortgage there.","start":764.685,"end":765.84,"sentiment":"neutral","sentiment_score":0.02367674931883812},{"text":"Yep.","start":766.0,"end":766.5,"sentiment":"neutral","sentiment_score":0.04218260943889618},{"text":"Yep.","start":767.2,"end":767.7,"sentiment":"neutral","sentiment_score":0.05038433521986008},{"text":"Yep.","start":774.88,"end":775.38,"sentiment":"neutral","sentiment_score":0.09031431376934052},{"text":"Perfect.","start":775.68005,"end":776.18005,"sentiment":"neutral","sentiment_score":0.25957849621772766}],"sentiment":"neutral","sentiment_score":0.07335571465747696,"num_words":7,"start":764.685,"end":776.18005},{"sentences":[{"text":"Perfect.","start":776.88,"end":777.38,"sentiment":"neutral","sentiment_score":0.2814173102378845},{"text":"And I can see with the mortgage there, your house, you've got a value on that of about 225,000.","start":777.76,"end":783.025,"sentiment":"neutral","sentiment_score":0.2018559167259618},{"text":"And the mortgage is roughly about 102,000 for paying that down nicely.","start":783.485,"end":787.325,"sentiment":"neutral","sentiment_score":0.22895930334925652},{"text":"You're fairly comfortable with how you're paying that down.","start":787.325,"end":789.565,"sentiment":"neutral","sentiment_score":0.28047962817880845},{"text":"Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form?","start":789.565,"end":794.545,"sentiment":"neutral","sentiment_score":0.05727973456184069}],"sentiment":"neutral","sentiment_score":0.17660242786346855,"num_words":59,"start":776.88,"end":794.545},{"sentences":[{"text":"Yep.","start":796.93,"end":797.41,"sentiment":"neutral","sentiment_score":0.058734603226184845},{"text":"Yep.","start":797.41,"end":797.89,"sentiment":"neutral","sentiment_score":0.09045523405075072},{"text":"Perfect.","start":797.89,"end":798.39,"sentiment":"neutral","sentiment_score":0.2958695888519287},{"text":"Excellent.","start":798.76996,"end":799.26996,"sentiment":"positive","sentiment_score":0.3728064298629761},{"text":"Yep.","start":800.69,"end":801.19,"sentiment":"neutral","sentiment_score":0.13786762952804563}],"sentiment":"neutral","sentiment_score":0.1911466971039772,"num_words":5,"start":796.93,"end":801.19},{"sentences":[{"text":"Absolutely.","start":801.32996,"end":801.82996,"sentiment":"neutral","sentiment_score":0.19391310214996335},{"text":"Well, if anything does, please do let us know.","start":801.89,"end":803.73,"sentiment":"neutral","sentiment_score":0.09041125575701396},{"text":"We do have access to mortgage brokers.","start":803.73,"end":805.81,"sentiment":"neutral","sentiment_score":0.12694872596434184},{"text":"They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible.","start":805.81,"end":811.10504,"sentiment":"neutral","sentiment_score":0.25403001070022585},{"text":"And they are paid directly by the bank, so there's no cost to yourself.","start":811.72504,"end":815.245,"sentiment":"neutral","sentiment_score":0.2407986894249916}],"sentiment":"neutral","sentiment_score":0.2074676322351609,"num_words":56,"start":801.32996,"end":815.245},{"sentences":[{"text":"And we can certainly refer you to someone that helps you along.","start":815.245,"end":818.205,"sentiment":"neutral","sentiment_score":0.2897195741534233},{"text":"Okay?","start":818.205,"end":818.705,"sentiment":"neutral","sentiment_score":0.14687210321426392},{"text":"Perfect.","start":820.765,"end":821.265,"sentiment":"neutral","sentiment_score":0.02120191976428032},{"text":"So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there.","start":821.405,"end":831.71,"sentiment":"neutral","sentiment_score":0.13992794337017195},{"text":"You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment.","start":831.71,"end":836.99,"sentiment":"neutral","sentiment_score":0.2537605589941928}],"sentiment":"neutral","sentiment_score":0.19652408164213686,"num_words":68,"start":815.245,"end":836.99},{"sentences":[{"text":"Am I right in sort of where we're going with that one?","start":836.99,"end":839.65,"sentiment":"neutral","sentiment_score":0.08400003363688786},{"text":"Yeah.","start":840.885,"end":841.365,"sentiment":"neutral","sentiment_score":0.2995797395706177},{"text":"Beautiful.","start":841.365,"end":841.865,"sentiment":"positive","sentiment_score":0.5167859196662903},{"text":"I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund.","start":842.40497,"end":848.265,"sentiment":"neutral","sentiment_score":0.10360939663065516},{"text":"It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you.","start":848.565,"end":856.53,"sentiment":"neutral","sentiment_score":0.11531147034838796}],"sentiment":"neutral","sentiment_score":0.11445433676134849,"num_words":69,"start":836.99,"end":856.53},{"sentences":[{"text":"But your super benefit is all that would be paid out to your beneficiaries there.","start":856.83,"end":860.83,"sentiment":"neutral","sentiment_score":0.1766548867026965},{"text":"Are you fairly comfortable with that?","start":860.83,"end":862.51,"sentiment":"neutral","sentiment_score":0.042554108425974846},{"text":"You're not wanting to look at life cover?","start":862.51,"end":864.37006,"sentiment":"neutral","sentiment_score":-0.16560653410851955},{"text":"Yep.","start":864.555,"end":865.055,"sentiment":"neutral","sentiment_score":-0.009692255407571793},{"text":"Yep.","start":869.435,"end":869.835,"sentiment":"neutral","sentiment_score":0.08810387551784515}],"sentiment":"neutral","sentiment_score":0.05350668704317462,"num_words":31,"start":856.83,"end":869.835},{"sentences":[{"text":"That's okay.","start":869.835,"end":870.555,"sentiment":"neutral","sentiment_score":0.2077694833278656},{"text":"Not a problem at all.","start":870.555,"end":871.835,"sentiment":"neutral","sentiment_score":0.25800990760326387},{"text":"The other things to sort of talk about just to make sure you are fully aware is that you don't have any TPD, so nothing to still fall back on in the event of permanent incapacity.","start":871.835,"end":881.41003,"sentiment":"neutral","sentiment_score":0.04942334696857466},{"text":"You can also apply for your super release on the permanent incapacity.","start":882.75,"end":886.51,"sentiment":"neutral","sentiment_score":0.13281100988388062},{"text":"It's something we would definitely have a look at for you, but it does mean that's all you would have to fall back on in the event of a claim.","start":886.51,"end":892.53,"sentiment":"neutral","sentiment_score":0.20228690132498742}],"sentiment":"neutral","sentiment_score":0.13114315475172855,"num_words":85,"start":869.835,"end":892.53},{"sentences":[{"text":"And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit.","start":893.235,"end":899.735,"sentiment":"neutral","sentiment_score":0.1174453857044379},{"text":"But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working.","start":899.795,"end":910.08,"sentiment":"neutral","sentiment_score":-0.007713632425293326},{"text":"You're comfortable not having any of those covers.","start":910.08,"end":912.48004,"sentiment":"neutral","sentiment_score":-0.04572345828637481},{"text":"You just wanna focus on your super.","start":912.48004,"end":914.16003,"sentiment":"neutral","sentiment_score":0.13357514994485037},{"text":"Is that right?","start":914.16003,"end":915.06,"sentiment":"neutral","sentiment_score":0.13350349167982736}],"sentiment":"neutral","sentiment_score":0.053078427398577335,"num_words":80,"start":893.235,"end":915.06},{"sentences":[{"text":"Yep.","start":916.48004,"end":916.98004,"sentiment":"neutral","sentiment_score":0.23814347386360168},{"text":"Beautiful.","start":917.04004,"end":917.54004,"sentiment":"positive","sentiment_score":0.5432496070861816},{"text":"Perfect.","start":917.68,"end":918.18,"sentiment":"positive","sentiment_score":0.4963379204273224},{"text":"And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to?","start":919.04004,"end":926.575,"sentiment":"neutral","sentiment_score":0.15198683538115942},{"text":"What's who's your beneficiary that or that you would wanna have everything paid to?","start":926.575,"end":931.555,"sentiment":"neutral","sentiment_score":0.06789824127086572}],"sentiment":"neutral","sentiment_score":0.14372009532742722,"num_words":43,"start":916.48004,"end":931.555},{"sentences":[{"text":"Daughter.","start":933.055,"end":933.555,"sentiment":"neutral","sentiment_score":0.03045043349266052},{"text":"Perfect.","start":933.615,"end":934.015,"sentiment":"positive","sentiment_score":0.5734767913818359},{"text":"And I've got her name down here for you as Emily.","start":934.015,"end":936.99,"sentiment":"neutral","sentiment_score":0.17383933880112387},{"text":"Is that right?","start":936.99,"end":937.97003,"sentiment":"neutral","sentiment_score":0.11865132053693135},{"text":"Yeah.","start":939.95,"end":940.35004,"sentiment":"neutral","sentiment_score":0.24670393764972687}],"sentiment":"neutral","sentiment_score":0.18345987358514002,"num_words":17,"start":933.055,"end":940.35004},{"sentences":[{"text":"Perfect.","start":940.35004,"end":940.75,"sentiment":"positive","sentiment_score":0.4677520394325256},{"text":"I'm just having a quick look at your supervisor to see if that is noted there.","start":940.75,"end":944.51,"sentiment":"neutral","sentiment_score":0.19163409247994423},{"text":"So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see she is nominated here as a beneficiary.","start":944.51,"end":952.835,"sentiment":"neutral","sentiment_score":0.13044190083940824},{"text":"Now Emily is she's not a tax dependent, is she?","start":953.055,"end":955.775,"sentiment":"neutral","sentiment_score":0.03973269332200289},{"text":"Over 18, over 25, and full working, looks after herself?","start":955.775,"end":959.695,"sentiment":"neutral","sentiment_score":0.022551564313471318}],"sentiment":"neutral","sentiment_score":0.12044771821863616,"num_words":67,"start":940.35004,"end":959.695},{"sentences":[{"text":"Or yep.","start":959.695,"end":961.98,"sentiment":"neutral","sentiment_score":0.05221247859299183},{"text":"Perfect.","start":962.13995,"end":962.45996,"sentiment":"positive","sentiment_score":0.3360881209373474},{"text":"So just to give you the information, if you were to pass away, the benefit can be paid to her.","start":962.45996,"end":967.33997,"sentiment":"neutral","sentiment_score":0.11164663583040238},{"text":"She is a beneficiary under the superannuation law.","start":967.33997,"end":970.62,"sentiment":"neutral","sentiment_score":0.05925174802541733},{"text":"However, if you have it directed directly to her, she would then have to pay tax on the benefit.","start":970.62,"end":976.15497,"sentiment":"neutral","sentiment_score":0.03755356606684233}],"sentiment":"neutral","sentiment_score":0.07721955068409443,"num_words":50,"start":959.695,"end":976.15497},{"sentences":[{"text":"She pays tax on the taxable component.","start":976.15497,"end":978.175,"sentiment":"neutral","sentiment_score":0.044052467814513614},{"text":"Are you happy with the way the beneficiary is structured having her nominated, or did you want me to maybe recommend altering that in a more tax efficient way for you?","start":978.875,"end":988.075,"sentiment":"neutral","sentiment_score":0.0932793336049203},{"text":"What would you prefer?","start":988.075,"end":989.21497,"sentiment":"neutral","sentiment_score":0.008433153387159109},{"text":"Happy with that?","start":991.19,"end":991.99,"sentiment":"neutral","sentiment_score":0.08118707935015361},{"text":"Beautiful.","start":991.99,"end":992.49,"sentiment":"positive","sentiment_score":0.414811372756958}],"sentiment":"neutral","sentiment_score":0.08461156175674303,"num_words":46,"start":976.15497,"end":992.49},{"sentences":[{"text":"Absolutely.","start":992.87,"end":993.37,"sentiment":"positive","sentiment_score":0.3374529480934143},{"text":"Well, what I'll do is I'll structure the updated advice for you just to switch out the investments.","start":993.99,"end":998.57,"sentiment":"neutral","sentiment_score":0.12521481265624365},{"text":"We'll keep you in line with the current portfolio.","start":998.63,"end":1000.81,"sentiment":"neutral","sentiment_score":0.19833085272047254},{"text":"I'll make sure that you're still in line there.","start":1001.11,"end":1002.95,"sentiment":"neutral","sentiment_score":0.1836161861817042},{"text":"We might do a bit of a rebalance as well.","start":1002.95,"end":1005.01495,"sentiment":"neutral","sentiment_score":0.13444292768836022}],"sentiment":"neutral","sentiment_score":0.15687813197678707,"num_words":47,"start":992.87,"end":1005.01495},{"sentences":[{"text":"I'll lift the CGT consequences to your fund there to keep more money invested for you.","start":1005.01495,"end":1009.83496,"sentiment":"neutral","sentiment_score":0.14604677073657513},{"text":"We'll scope out everything else for now, but we can always come back and have another sort of catch up down the track to see what else you'd like to do.","start":1009.975,"end":1016.77496,"sentiment":"neutral","sentiment_score":0.10999570522577531},{"text":"Does that sound okay?","start":1016.77496,"end":1017.915,"sentiment":"neutral","sentiment_score":0.12165437266230583},{"text":"Yep.","start":1019.58,"end":1019.98004,"sentiment":"neutral","sentiment_score":0.13259655237197876},{"text":"Beautiful.","start":1019.98004,"end":1020.48004,"sentiment":"neutral","sentiment_score":0.3260999321937561}],"sentiment":"neutral","sentiment_score":0.12626281450941879,"num_words":53,"start":1005.01495,"end":1020.48004},{"sentences":[{"text":"Have I touched on everything for you?","start":1020.86,"end":1022.62,"sentiment":"neutral","sentiment_score":0.1529199087194034},{"text":"Is there anything else you wanted me to touch on?","start":1022.62,"end":1024.78,"sentiment":"neutral","sentiment_score":0.07330361269414425},{"text":"Anything else you wanted to ask me there at all, Douglas?","start":1024.78,"end":1027.52,"sentiment":"neutral","sentiment_score":-0.005868397314440121},{"text":"Yep.","start":1029.74,"end":1030.155,"sentiment":"neutral","sentiment_score":0.24719075858592987},{"text":"Beautiful.","start":1030.395,"end":1030.875,"sentiment":"positive","sentiment_score":0.4444445371627808}],"sentiment":"neutral","sentiment_score":0.0810186137755712,"num_words":30,"start":1020.86,"end":1030.875},{"sentences":[{"text":"Well, I will let you go.","start":1030.875,"end":1031.915,"sentiment":"positive","sentiment_score":0.3915938635667165},{"text":"I thank you so much for your time today.","start":1031.915,"end":1033.935,"sentiment":"positive","sentiment_score":0.6624231073591444},{"text":"We'll get cracking on that updated advice document.","start":1034.235,"end":1036.5751,"sentiment":"positive","sentiment_score":0.45130717009305954},{"text":"Once we have it ready to go, I'll get you back in, and we will go through that together.","start":1036.635,"end":1040.975,"sentiment":"positive","sentiment_score":0.3334845477028897},{"text":"Okay?","start":1041.115,"end":1041.615,"sentiment":"neutral","sentiment_score":0.18067437410354617}],"sentiment":"positive","sentiment_score":0.4288071927636169,"num_words":43,"start":1030.875,"end":1041.615},{"sentences":[{"text":"Easy.","start":1043.61,"end":1044.0901,"sentiment":"positive","sentiment_score":0.6653527021408081},{"text":"Thank you so much for your time today.","start":1044.0901,"end":1045.6901,"sentiment":"positive","sentiment_score":0.8892897740006447},{"text":"I hope you have a great afternoon.","start":1045.6901,"end":1047.2101,"sentiment":"positive","sentiment_score":0.8339518223490033},{"text":"I hope the rain stops for you.","start":1047.2101,"end":1048.99,"sentiment":"positive","sentiment_score":0.6202609964779445},{"text":"Beautiful.","start":1051.13,"end":1051.63,"sentiment":"positive","sentiment_score":0.8009896278381348}],"sentiment":"positive","sentiment_score":0.7816729272405306,"num_words":24,"start":1043.61,"end":1051.63},{"sentences":[{"text":"Thank you so much for your time today.","start":1052.5701,"end":1054.17,"sentiment":"positive","sentiment_score":0.8507698699831963},{"text":"If there's anything else you need, please don't ever hesitate to let me know.","start":1054.17,"end":1057.29,"sentiment":"neutral","sentiment_score":0.32134437028850826},{"text":"Okay?","start":1057.29,"end":1057.79,"sentiment":"neutral","sentiment_score":0.20606359839439392},{"text":"Thanks.","start":1059.7351,"end":1060.2151,"sentiment":"positive","sentiment_score":0.7506954073905945},{"text":"Enjoy your day.","start":1060.2151,"end":1061.0951,"sentiment":"positive","sentiment_score":0.7408774495124817}],"sentiment":"positive","sentiment_score":0.5364582036380414,"num_words":27,"start":1052.5701,"end":1061.0951},{"sentences":[{"text":"See you later.","start":1061.0951,"end":1061.915,"sentiment":"positive","sentiment_score":0.5530579884847006}],"sentiment":"positive","sentiment_score":0.5530579884847006,"num_words":3,"start":1061.0951,"end":1061.915}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. So it is. I was writing down his side. Yeah. Then still writing down. Yep. Douglas Russell. 07/30/1966. At 10 Conapara Street. Oh, I'm in. Hope so. That's right. And I'm not 60 yet. Yeah, Mike. Certainly am. Alright. I'll rest for the first week or two and then get the most in the second week and then save her up for the third, fourth week. Yep. Yep. Certainly am. Yep. Yep. Not from the government. No. Probably a little bit less than that. Living a pretty fear free life at the moment. Well, me, super, I'm pretty happy with the way it's going at the moment Mhmm. With the 12% that the the employers gotta put in. No. I'm pretty happy with what it is. Yep. I'm loaded the way it is at the moment because because last year, I think, last well, this financial year, it's gone skyrocketing up to about 15%. Is that about right? Alright. Yep. Yep. I sort of agree with you about it's not underperforming. I've been I've got keep an eye on me, you get Portfolio online myself. Yeah. So it's quite easy to do on the computer. I'd say it's sort of a slow movers, so I'd rather remove it and look at something else that you could approach. You're you're not immune to that. I get rid of that get get rid of benelone. As you say, bring in something that's gonna be more positive. Okay. Yep. Yep. The way the world's going at the moment, I'd rather leave it with where it is with the low risk because you don't know what Donald Trump's gonna do. Not very happy. I'd sort of have a chat to you, people find out what's going on, and let it go from there. Yep. Yeah. Yeah. Yeah. I'm I'm pretty I'm pretty happy. Yeah. Super is the only one. Yeah. With as little risk as possible. I've got a mortgage. I've got a mortgage. That's biggest financial sort of things I'd like to like to look at. No. I'm pretty happy the way it's going at the moment. That that could change over the years. Yep. Yep. That's not drama. Thanks. Yep. No. I don't want like life cover or any insurance. 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Good. Thank you. So it is. I was writing down his side.\n\nYeah. Then still writing down. Yep. Douglas Russell. 07/30/1966.\n\nAt 10 Conapara Street. Oh, I'm in. Hope so. That's right. And I'm not 60 yet.\n\nYeah, Mike. Certainly am. Alright. I'll rest for the first week or two and then get the most in the second week and then save her up for the third, fourth week. Yep.\n\nYep. Certainly am. Yep. Yep. Not from the government.\n\nNo. Probably a little bit less than that. Living a pretty fear free life at the moment. Well, me, super, I'm pretty happy with the way it's going at the moment Mhmm. With the 12% that the the employers gotta put in.\n\nNo. I'm pretty happy with what it is. Yep. I'm loaded the way it is at the moment because because last year, I think, last well, this financial year, it's gone skyrocketing up to about 15%. Is that about right?\n\nAlright. Yep. Yep. I sort of agree with you about it's not underperforming. I've been I've got keep an eye on me, you get Portfolio online myself.\n\nYeah. So it's quite easy to do on the computer. I'd say it's sort of a slow movers, so I'd rather remove it and look at something else that you could approach. You're you're not immune to that. I get rid of that get get rid of benelone.\n\nAs you say, bring in something that's gonna be more positive. Okay. Yep. Yep. The way the world's going at the moment, I'd rather leave it with where it is with the low risk because you don't know what Donald Trump's gonna do.\n\nNot very happy. I'd sort of have a chat to you, people find out what's going on, and let it go from there. Yep. Yeah. Yeah.\n\nYeah. I'm I'm pretty I'm pretty happy. Yeah. Super is the only one. Yeah.\n\nWith as little risk as possible. I've got a mortgage. I've got a mortgage. That's biggest financial sort of things I'd like to like to look at. No.\n\nI'm pretty happy the way it's going at the moment. That that could change over the years. Yep. Yep. 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in.","start":253.31499,"end":260.64,"sentiment":"neutral","sentiment_score":0.06892055794596672}],"sentiment":"neutral","sentiment_score":0.16837057418056897,"num_words":42,"start":215.84,"end":260.64},{"sentences":[{"text":"No.","start":278.855,"end":279.095,"sentiment":"neutral","sentiment_score":-0.156455397605896},{"text":"I'm pretty happy with what it is.","start":279.095,"end":280.875,"sentiment":"neutral","sentiment_score":0.005842995430741992},{"text":"Yep.","start":283.575,"end":284.075,"sentiment":"neutral","sentiment_score":0.11600476503372192},{"text":"I'm loaded the way it is at the moment because because last year, I think, last well, this financial year, it's gone skyrocketing up to about 15%.","start":319.09998,"end":329.04498,"sentiment":"neutral","sentiment_score":0.14489452347711282},{"text":"Is that about right?","start":329.04498,"end":330.26498,"sentiment":"neutral","sentiment_score":0.04289253521710634}],"sentiment":"neutral","sentiment_score":0.10210431525483728,"num_words":40,"start":278.855,"end":330.26498},{"sentences":[{"text":"Alright.","start":349.35,"end":349.67,"sentiment":"neutral","sentiment_score":0.11566060036420822},{"text":"Yep.","start":349.67,"end":350.17,"sentiment":"neutral","sentiment_score":0.11782088875770567},{"text":"Yep.","start":371.88,"end":372.38,"sentiment":"neutral","sentiment_score":0.0982276201248169},{"text":"I sort of agree with you about it's not underperforming.","start":415.08502,"end":417.98502,"sentiment":"neutral","sentiment_score":-0.021363935247063637},{"text":"I've been I've got keep an eye on me, you get Portfolio online myself.","start":419.37003,"end":426.35,"sentiment":"neutral","sentiment_score":0.02694509664018239}],"sentiment":"neutral","sentiment_score":0.01834448554587585,"num_words":27,"start":349.35,"end":426.35},{"sentences":[{"text":"Yeah.","start":430.41,"end":430.73,"sentiment":"neutral","sentiment_score":0.2088837623596191},{"text":"So it's quite easy to do on the computer.","start":430.73,"end":432.67,"sentiment":"neutral","sentiment_score":0.21237307455804613},{"text":"I'd say it's sort of a slow movers, so I'd rather remove it and look at something else that you could approach.","start":449.18,"end":459.44,"sentiment":"neutral","sentiment_score":-0.1227692233567888},{"text":"You're you're not immune to that.","start":500.455,"end":502.38,"sentiment":"neutral","sentiment_score":-0.30586068828900653},{"text":"I get rid of that get get rid of benelone.","start":507.58002,"end":510.24,"sentiment":"neutral","sentiment_score":0.029648125916719437}],"sentiment":"neutral","sentiment_score":-0.044153423979878426,"num_words":48,"start":430.41,"end":510.24},{"sentences":[{"text":"As you say, bring in something that's gonna be more positive.","start":510.94,"end":514.72003,"sentiment":"neutral","sentiment_score":0.15814840387214313},{"text":"Okay.","start":527.185,"end":527.685,"sentiment":"neutral","sentiment_score":0.0008399141952395439},{"text":"Yep.","start":531.38,"end":531.88,"sentiment":"neutral","sentiment_score":0.04670326039195061},{"text":"Yep.","start":547.645,"end":548.145,"sentiment":"neutral","sentiment_score":0.09753267467021942},{"text":"The way the world's going at the moment, I'd rather leave it with where it is with the low risk because you don't know what Donald Trump's gonna do.","start":569.92,"end":578.405,"sentiment":"neutral","sentiment_score":-0.004279417274840947}],"sentiment":"neutral","sentiment_score":0.04094430676466504,"num_words":43,"start":510.94,"end":578.405},{"sentences":[{"text":"Not very happy.","start":604.115,"end":605.015,"sentiment":"negative","sentiment_score":-0.34275515874226886},{"text":"I'd sort of have a chat to you, people find out what's going on, and let it go from there.","start":620.02,"end":627.24005,"sentiment":"neutral","sentiment_score":0.0677506422623992},{"text":"Yep.","start":662.385,"end":662.885,"sentiment":"neutral","sentiment_score":0.2803723216056824},{"text":"Yeah.","start":728.79,"end":729.02997,"sentiment":"neutral","sentiment_score":0.08455216139554977},{"text":"Yeah.","start":729.02997,"end":729.52997,"sentiment":"neutral","sentiment_score":0.11930712312459946}],"sentiment":"neutral","sentiment_score":0.031191499044115726,"num_words":26,"start":604.115,"end":729.52997},{"sentences":[{"text":"Yeah.","start":729.99,"end":730.31,"sentiment":"neutral","sentiment_score":0.23988398909568787},{"text":"I'm I'm pretty I'm pretty happy.","start":730.31,"end":732.57,"sentiment":"positive","sentiment_score":0.722858726978302},{"text":"Yeah.","start":739.67,"end":740.17,"sentiment":"neutral","sentiment_score":0.040986068546772},{"text":"Super is the only one.","start":741.75,"end":743.05,"sentiment":"neutral","sentiment_score":0.09744894579052925},{"text":"Yeah.","start":750.575,"end":750.895,"sentiment":"neutral","sentiment_score":0.11894817650318146}],"sentiment":"positive","sentiment_score":0.3731582374977214,"num_words":14,"start":729.99,"end":750.895},{"sentences":[{"text":"With as little risk as possible.","start":750.895,"end":753.475,"sentiment":"neutral","sentiment_score":0.13505308826764426},{"text":"I've got a mortgage.","start":762.51,"end":763.57,"sentiment":"neutral","sentiment_score":0.04323227237910032},{"text":"I've got a mortgage.","start":764.35,"end":765.41,"sentiment":"neutral","sentiment_score":0.022831028327345848},{"text":"That's biggest financial sort of things I'd like to like to look at.","start":767.23,"end":774.685,"sentiment":"neutral","sentiment_score":0.06747578944151218},{"text":"No.","start":794.85004,"end":795.09,"sentiment":"neutral","sentiment_score":-0.32923686504364014}],"sentiment":"neutral","sentiment_score":0.057947147504559586,"num_words":28,"start":750.895,"end":795.09},{"sentences":[{"text":"I'm pretty happy the way it's going at the moment.","start":795.09,"end":797.11005,"sentiment":"negative","sentiment_score":-0.35763345658779144},{"text":"That that could change over the years.","start":798.37,"end":800.085,"sentiment":"neutral","sentiment_score":0.2759557557957513},{"text":"Yep.","start":811.525,"end":812.025,"sentiment":"neutral","sentiment_score":0.15262971818447113},{"text":"Yep.","start":819.24,"end":819.48,"sentiment":"neutral","sentiment_score":0.09952057898044586},{"text":"That's not drama.","start":819.48,"end":820.36,"sentiment":"neutral","sentiment_score":0.11168774465719859}],"sentiment":"neutral","sentiment_score":-0.04806503382596103,"num_words":22,"start":795.09,"end":820.36},{"sentences":[{"text":"Thanks.","start":820.36,"end":820.86,"sentiment":"positive","sentiment_score":0.5109782814979553},{"text":"Yep.","start":839.96497,"end":840.46497,"sentiment":"neutral","sentiment_score":0.15944571793079376},{"text":"No.","start":864.925,"end":865.165,"sentiment":"neutral","sentiment_score":-0.14995384216308594},{"text":"I don't want like life cover or any insurance.","start":865.165,"end":867.485,"sentiment":"neutral","sentiment_score":-0.2557427402999666},{"text":"Got enough insurance as it is.","start":867.485,"end":869.185,"sentiment":"neutral","sentiment_score":-0.05097846935192744}],"sentiment":"neutral","sentiment_score":-0.11594918453031117,"num_words":18,"start":820.36,"end":869.185},{"sentences":[{"text":"That's right.","start":915.225,"end":916.125,"sentiment":"neutral","sentiment_score":0.14788171648979187},{"text":"My daughter.","start":931.62,"end":932.44,"sentiment":"neutral","sentiment_score":0.039414914324879646},{"text":"That's correct.","start":938.18,"end":939.48,"sentiment":"neutral","sentiment_score":0.1463414803147316},{"text":"She does.","start":960.39,"end":961.21,"sentiment":"neutral","sentiment_score":0.04026254825294018},{"text":"No.","start":989.72,"end":989.88,"sentiment":"neutral","sentiment_score":-0.15105192363262177}],"sentiment":"neutral","sentiment_score":0.0663054883480072,"num_words":9,"start":915.225,"end":989.88},{"sentences":[{"text":"I'm happy with that.","start":989.88,"end":991.01996,"sentiment":"neutral","sentiment_score":-0.16749290376901627},{"text":"Yep.","start":1010.185,"end":1010.685,"sentiment":"neutral","sentiment_score":0.09872933477163316},{"text":"Certainly.","start":1018.35004,"end":1018.85004,"sentiment":"neutral","sentiment_score":0.1232462152838707},{"text":"No.","start":1026.345,"end":1026.845,"sentiment":"neutral","sentiment_score":-0.034706100821495056},{"text":"I'm pretty happy with that.","start":1028.265,"end":1029.565,"sentiment":"neutral","sentiment_score":0.3050753504037857}],"sentiment":"neutral","sentiment_score":0.08688954884807269,"num_words":12,"start":989.88,"end":1029.565},{"sentences":[{"text":"Not a problem.","start":1042.26,"end":1043.08,"sentiment":"neutral","sentiment_score":0.21211060881614685},{"text":"Not a problem.","start":1058.315,"end":1058.955,"sentiment":"positive","sentiment_score":0.37675516804059345},{"text":"Thanks.","start":1058.955,"end":1059.455,"sentiment":"positive","sentiment_score":0.7053350210189819},{"text":"You too.","start":1062.235,"end":1062.7949,"sentiment":"positive","sentiment_score":0.3604939579963684},{"text":"See you.","start":1062.7949,"end":1063.375,"sentiment":"neutral","sentiment_score":0.06514480710029602}],"sentiment":"neutral","sentiment_score":0.30210998925295746,"num_words":11,"start":1042.26,"end":1063.375}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Douglas. This is Dana from AFI Financial. How are you today?\n\nChannel 1: Good. Thank you.\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in for a bit of a follow-up on your\n\nChannel 1: So\n\nChannel 0: after your annual review for an advice discussion. Is now still a good time there for you?\n\nChannel 1: it is.\n\nChannel 0: Fantastic. How's your morning been so far?\n\nChannel 1: I was writing down his side. Yeah.\n\nChannel 0: Wow.\n\nChannel 1: Then\n\nChannel 0: Wow.\n\nChannel 1: still writing down.\n\nChannel 0: All good. And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well.\n\nChannel 1: Douglas Russell. 07/30/1966. At 10 Conapara Street.\n\nChannel 0: Beautiful. Thank you so much for that. Well, hopefully, the rain is off for you. Do you work indoors or outdoors?\n\nChannel 1: Oh, I'm in.\n\nChannel 0: Oh, so you're outside. Hopefully, the rain is off a little bit for you then.\n\nChannel 1: Hope so.\n\nChannel 0: Yeah. So I was just having a bit of a read through the message here. It says that you wanted to have a bit of a chat, having a look at things. You were hoping to retire around about age 67, and you're 60 at the moment. So just looking at what we can do moving forward and some additional strategies to help you meet that goal.\n\nIs that right?\n\nChannel 1: That's right. And I'm not 60 yet.\n\nChannel 0: Not 60 yet. No. That's okay. Let's have a look. So sorry.\n\nMy computer the tab is slow this morning. No. True. There you go. July is your birthday.\n\nChannel 1: Yeah, Mike.\n\nChannel 0: Yeah. No. That's okay. Perfect. Are you taking some downtime?\n\nYou said a month off. You're having some downtime,\n\nChannel 1: Certainly\n\nChannel 0: taking some time off for your birthday?\n\nChannel 1: am.\n\nChannel 0: Yeah. Nice. Do you plan on going anywhere, or are you just kind of hoping to rest up?\n\nChannel 1: Alright. I'll rest for the first week or two and then\n\nChannel 0: Yeah.\n\nChannel 1: get the most in the second week and\n\nChannel 0: Yep.\n\nChannel 1: then save her up for the third, fourth week.\n\nChannel 0: I love it. And then back to work, back to reality.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there. One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish. We're allowed to access some of the money under that transition retirement strategy.\n\nSo we can sort of\n\nChannel 1: Yep.\n\nChannel 0: try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there. Do you think age 67 is the realistic retirement age that you're working towards? Or\n\nChannel 1: Certainly am.\n\nChannel 0: yeah. Perfect. And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income\n\nChannel 1: Yep.\n\nChannel 0: for you, which can provide a little bit of longevity to your super as well. So if you like, I can always sort of factor in that for you to\n\nChannel 1: Yep.\n\nChannel 0: see what that looks like. Perfect. Income wise, I have you earning so sorry. I've got it down here that you're on about 61,000 gross income at the moment. Is that about right?\n\nAre you expecting a pay rise in the next few months at all?\n\nChannel 1: Not from the government.\n\nChannel 0: No? No.\n\nChannel 1: No.\n\nChannel 0: So 61,000 income. And expenditure wise, are you finding that's a good income? Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week? What's your expenditure sorta look like?\n\nChannel 1: Probably a little bit less than that. Living a\n\nChannel 0: Mhmm.\n\nChannel 1: pretty fear free life at the moment.\n\nChannel 0: Yep. Yep. So you're happy just to reduce it a little bit to provide greater benefit to your super?\n\nChannel 1: Well, me, super, I'm pretty happy with the way it's going at the moment\n\nChannel 0: Mhmm.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: With the 12% that the the employers gotta put in.\n\nChannel 0: Yep. That's okay. So with this sort of strategy, we are wanting to we do put more into super. Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit?\n\nChannel 1: No. I'm pretty happy with what it is.\n\nChannel 0: You're happy to keep it as is for the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Because, generally, the way this sort of strategy works is you are putting more money in the super. You can take a little bit out. It gives you the benefit of hopefully paying a little bit less than the way of income tax. You keep your take and pay exactly the same.\n\nBut to get benefit out of this strategy, you do need to be able to put more money into super as well. Otherwise, you're kinda just taking some out. You don't have to look at this if you're happy with the way your super is going. We could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do?\n\nChannel 1: I'm loaded the way it is at the moment\n\nChannel 0: Yep.\n\nChannel 1: because because last year, I think, last well, this financial year, it's gone skyrocketing up to about 15%. Is that about\n\nChannel 0: Yeah.\n\nChannel 1: right?\n\nChannel 0: So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yeah. So it looks it's still a good return. Having a look at where you are, most of your portfolio has performed quite well. Everything is up for the year. It's just sort of looking at you've got some Ben along Australian equities.\n\nThat investment has sort of underperformed a little bit. Your balance in here is around about that 120\n\nChannel 1: Yep.\n\nChannel 0: a 128,403 in there. So it has been growing quite steadily. It is still a positive return for the year. But one of your investments in there, there's been a long Australian equities component that has had some underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit. So it is down and has had a little bit of an effect on the return for the year.\n\nAs a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing. Did you want me just to hold off and we can have a catch up in a few months to see where things are up to?\n\nChannel 1: I sort of agree with you about it's not underperforming. I've been I've\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: got keep an eye on me, you get Portfolio online myself.\n\nChannel 0: Yep. You look at it really often. Fantastic.\n\nChannel 1: Yeah. So it's quite easy to do on the computer.\n\nChannel 0: Yeah. Excellent. That's really good. That's good. Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else?\n\nOr did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track? What would you sort of prefer to do right now?\n\nChannel 1: I'd say it's sort of a slow movers, so I'd rather remove\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: Yep.\n\nChannel 1: and look at something else that you could approach.\n\nChannel 0: Yeah. Yeah. Absolutely. One of the things one of the main reasons that was in your portfolio when you came on board was to give you a little bit of an actively managed component or an investment in there. However, looking at the way it's been along, have they haven't really changed a lot in that portfolio, so it really hasn't been very actively managed underlying.\n\nI could remove it out. The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost. That could provide a little bit of a benefit to you. You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money invested? I don't see that being too big of an issue.\n\nChannel 1: You're you're not immune to that.\n\nChannel 0: Absolutely. Absolutely. No. That's absolutely fine. And\n\nChannel 1: I get\n\nChannel 0: I'm just\n\nChannel 1: rid\n\nChannel 0: having\n\nChannel 1: of that\n\nChannel 0: a look.\n\nChannel 1: get get rid of\n\nChannel 0: You're\n\nChannel 1: benelone.\n\nChannel 0: right.\n\nChannel 1: As\n\nChannel 0: Yep.\n\nChannel 1: you say, bring in something that's gonna be more positive.\n\nChannel 0: Yep. Yeah. Perfect. All good. And just having a look at the way you are invested at the moment, it does look like you have sorry.\n\nI'm just needing to see what we looks like we did do a\n\nChannel 1: Okay.\n\nChannel 0: change on your investment profile a little bit back.\n\nChannel 1: Yep.\n\nChannel 0: So last year, you had that change of risk profile, and we've moved you into more of a balanced growth port portfolio. So that generally sees around about 70% of your super invested in growth assets,\n\nChannel 1: Yep.\n\nChannel 0: reducing yeah. And also about 30%, those lowest defensive investments as well. This sort of profile does fit someone who has about five years before they're wanting to access their sofa. Are you happy of sort of staying in that lower risk environment? Did you wanna maybe look at increasing things to see if you can get greater gains moving forward, or what's your thoughts with the sort of portfolio you're in?\n\nChannel 1: The way the world's going at the moment, I'd rather leave it with where it is with the low risk\n\nChannel 0: Yep.\n\nChannel 1: because you don't know what Donald Trump's gonna do.\n\nChannel 0: Yeah. Absolutely. I just had a couple of small questions to kinda go through with you just to sort of assess the the the kind of risk tolerance you have as well. If you did look at your super over the next sort of six to twelve months and found it had fallen, like, say, 10 or 20 or 30% there due to what was happening in the world generally. How do you think that might be making you feel?\n\nChannel 1: Not very happy.\n\nChannel 0: No. Fair enough. Fair enough. Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds?\n\nChannel 1: I'd sort of have a chat to you, people find out what's going on,\n\nChannel 0: Yep.\n\nChannel 1: and let it go from there.\n\nChannel 0: Yep. Yeah. Perfect. And the reason we sort of ask those questions is that it is a realistic view. If you sort of think back to the ups and downs that we have seen in the market over the past twenty to thirty years, you've got things like the, you know, the .com bubble.\n\nYou've got, you know, COVID times. The market did see a very large drop. And, also, thinking back to the early two the early two thousand sort of 08/09 period where we saw a very large crash then. So these are realistic views, and that's why we're just wanting to make sure that you're in a portfolio that can withstand the ups and downs that the market does provide and that you're\n\nChannel 1: Yep.\n\nChannel 0: able to stay within that portfolio and not cement the losses, not sell the investments until they provide you know, come through and go back up and provide you with those gains so they go through those downtimes, making sure we're not cementing losses. Yeah. Correct. Yeah. Correct.\n\nCorrect. So it's really important that we do sort of have those conversations with you because we know markets can go up and down. We do know that, you know, certain things happen in the world in the market that is completely out of our control. And a lot of the market ups and downs that you do see is mostly people buying and selling because they're uncomfortable with what they're invested in there. And you're seeing something dropping or hearing something that makes them concerned, and they sell out.\n\nBecause as human beings, we are very emotional creatures. We do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing. So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them. Okay?\n\nChannel 1: Yeah. Yeah. Yeah. I'm\n\nChannel 0: Beautiful.\n\nChannel 1: I'm pretty I'm pretty happy.\n\nChannel 0: Perfect. Perfect. Have you ever invested in your own name before in the past, or is super the only\n\nChannel 1: Yeah.\n\nChannel 0: sort of investment you've ever had?\n\nChannel 1: Super is the only one.\n\nChannel 0: Yep. Perfect. I'm I'm sort of writing thinking you're trying to get the best return you possibly can out of your super.\n\nChannel 1: Yeah. With as little risk as possible.\n\nChannel 0: Yep. Yep. Perfect. And have you ever thought about borrowing from a bank or financial institution to invest or purchase property, or what's\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: sort\n\nChannel 1: a\n\nChannel 0: of\n\nChannel 1: mortgage.\n\nChannel 0: thoughts on borrowing?\n\nChannel 1: I've\n\nChannel 0: Yep.\n\nChannel 1: got\n\nChannel 0: Your\n\nChannel 1: a mortgage.\n\nChannel 0: mortgage there. Yep. Yep.\n\nChannel 1: That's biggest financial sort of things I'd like to like to look at.\n\nChannel 0: Yep. Perfect. Perfect. And I can see with the mortgage there, your house, you've got a value on that of about 225,000. And the mortgage is roughly about 102,000 for paying that down nicely.\n\nYou're fairly comfortable with how you're paying that down. Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form?\n\nChannel 1: No. I'm pretty happy the way it's going at the moment.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: That that\n\nChannel 0: Excellent.\n\nChannel 1: could change over the years.\n\nChannel 0: Yep. Absolutely. Well, if anything does, please do let us know. We do have access to mortgage brokers. They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible.\n\nChannel 1: Yep.\n\nChannel 0: And they are paid directly by the bank, so there's no cost to yourself. And we can certainly refer you to someone that helps you along. Okay?\n\nChannel 1: Yep. That's not drama. Thanks.\n\nChannel 0: Perfect. So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there. You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment. Am I right in sort of where we're going with that one?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund. It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you. But your super benefit is all that would be paid out to your beneficiaries there.\n\nAre you fairly comfortable with that? You're not wanting to look at life cover? Yep.\n\nChannel 1: No. I don't want like life cover or any insurance. Got enough insurance as it is.\n\nChannel 0: Yep. That's okay. Not a problem at all. The other things to sort of talk about just to make sure you are fully aware is that you don't have any TPD, so nothing to still fall back on in the event of permanent incapacity. You can also apply for your super release on the permanent incapacity.\n\nIt's something we would definitely have a look at for you, but it does mean that's all you would have to fall back on in the event of a claim. And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit. But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working. You're comfortable not having any of those covers. You just wanna focus on your super.\n\nIs that right?\n\nChannel 1: That's right.\n\nChannel 0: Yep. Beautiful. Perfect. And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to? What's who's your beneficiary that or that you would wanna have everything paid to?\n\nChannel 1: My daughter.\n\nChannel 0: Daughter. Perfect. And I've got her name down here for you as Emily. Is that right?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Perfect. I'm just having a quick look at your supervisor to see if that is noted there. So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see she is nominated here as a beneficiary. Now Emily is she's not a tax dependent, is she?\n\nOver 18, over 25, and full working, looks after herself? Or\n\nChannel 1: She does.\n\nChannel 0: yep. Perfect. So just to give you the information, if you were to pass away, the benefit can be paid to her. She is a beneficiary under the superannuation law. However, if you have it directed directly to her, she would then have to pay tax on the benefit.\n\nShe pays tax on the taxable component. Are you happy with the way the beneficiary is structured having her nominated, or did you want me to maybe recommend altering that in a more tax efficient way for you? What would you prefer?\n\nChannel 1: No. I'm happy with that.\n\nChannel 0: Happy with that? Beautiful. Absolutely. Well, what I'll do is I'll structure the updated advice for you just to switch out the investments. We'll keep you in line with the current portfolio.\n\nI'll make sure that you're still in line there. We might do a bit of a rebalance as well. I'll lift the CGT consequences to your fund there to keep more money invested for you. We'll\n\nChannel 1: Yep.\n\nChannel 0: scope out everything else for now, but we can always come back and have another sort of catch up down the track to see what else you'd like to do. Does that sound okay?\n\nChannel 1: Certainly.\n\nChannel 0: Yep. Beautiful. Have I touched on everything for you? Is there anything else you wanted me to touch on? Anything else you wanted to ask me\n\nChannel 1: No.\n\nChannel 0: there at all, Douglas?\n\nChannel 1: I'm pretty happy with that.\n\nChannel 0: Yep. Beautiful. Well, I will let you go. I thank you so much for your time today. We'll get cracking on that updated advice document.\n\nOnce we have it ready to go, I'll get you back in, and we will go through that together. Okay?\n\nChannel 1: Not a problem.\n\nChannel 0: Easy. Thank you so much for your time today. I hope you have a great afternoon. I hope the rain stops for you. Beautiful.\n\nThank you so much for your time today. If there's anything else you need, please don't ever hesitate to let me know. Okay?\n\nChannel 1: Not a problem. Thanks.\n\nChannel 0: Thanks. Enjoy your day. See you later.\n\nChannel 1: You too. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.02759188413619995}],"sentiment":"neutral","sentiment_score":0.02759188413619995,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hi, Douglas.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.12548361718654635},{"text":"This is Dana from AFI Financial.","start":3.6,"end":5.46,"sentiment":"neutral","sentiment_score":0.16965540250142416},{"text":"How are you today?","start":5.6,"end":6.66,"sentiment":"neutral","sentiment_score":0.2055518478155136}],"sentiment":"neutral","sentiment_score":0.174258920053641,"channel":0,"num_words":12,"start":2.6399999,"end":6.66},{"sentences":[{"text":"Good.","start":7.3599997,"end":7.6,"sentiment":"positive","sentiment_score":0.5516823530197144},{"text":"Thank you.","start":7.6,"end":8.0,"sentiment":"positive","sentiment_score":0.6836925745010376}],"sentiment":"positive","sentiment_score":0.6396891673405966,"channel":1,"num_words":3,"start":7.3599997,"end":8.0},{"sentences":[{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6838609576225281},{"text":"Thank you.","start":10.0,"end":10.32,"sentiment":"positive","sentiment_score":0.6628835201263428},{"text":"Thanks for asking.","start":10.32,"end":11.2,"sentiment":"positive","sentiment_score":0.600566029548645},{"text":"I had you booked in for a bit of a follow-up on your","start":11.2,"end":13.2,"sentiment":"neutral","sentiment_score":0.1777491128215423}],"sentiment":"positive","sentiment_score":0.3566564984974407,"channel":0,"num_words":21,"start":9.12,"end":13.2},{"sentences":[{"text":"So","start":13.065001,"end":13.565001,"sentiment":"neutral","sentiment_score":0.09761529415845872}],"sentiment":"neutral","sentiment_score":0.09761529415845872,"channel":1,"num_words":1,"start":13.065001,"end":13.565001},{"sentences":[{"text":"after your annual review for an advice discussion.","start":13.28,"end":15.28,"sentiment":"neutral","sentiment_score":0.13711261097341776},{"text":"Is now still a good time there for you?","start":15.28,"end":17.195,"sentiment":"neutral","sentiment_score":0.2041914380258984}],"sentiment":"neutral","sentiment_score":0.17262493117767222,"channel":0,"num_words":17,"start":13.28,"end":17.195},{"sentences":[{"text":"it is.","start":17.945,"end":18.525,"sentiment":"neutral","sentiment_score":0.1669977754354477}],"sentiment":"neutral","sentiment_score":0.1669977754354477,"channel":1,"num_words":2,"start":17.945,"end":18.525},{"sentences":[{"text":"Fantastic.","start":19.015,"end":19.515,"sentiment":"positive","sentiment_score":0.5422552227973938},{"text":"How's your morning been so far?","start":19.654999,"end":21.435,"sentiment":"neutral","sentiment_score":0.2651863172650337}],"sentiment":"neutral","sentiment_score":0.3047675894839423,"channel":0,"num_words":7,"start":19.015,"end":21.435},{"sentences":[{"text":"I was writing down his side.","start":22.025,"end":23.625,"sentiment":"neutral","sentiment_score":0.052468473402162395},{"text":"Yeah.","start":23.625,"end":24.125,"sentiment":"neutral","sentiment_score":0.11797916889190674}],"sentiment":"neutral","sentiment_score":0.06182714418641159,"channel":1,"num_words":7,"start":22.025,"end":24.125},{"sentences":[{"text":"Wow.","start":24.855,"end":25.355,"sentiment":"neutral","sentiment_score":0.169967919588089}],"sentiment":"neutral","sentiment_score":0.169967919588089,"channel":0,"num_words":1,"start":24.855,"end":25.355},{"sentences":[{"text":"Then","start":24.985,"end":25.485,"sentiment":"neutral","sentiment_score":0.11591345071792604}],"sentiment":"neutral","sentiment_score":0.11591345071792604,"channel":1,"num_words":1,"start":24.985,"end":25.485},{"sentences":[{"text":"Wow.","start":26.935,"end":27.435,"sentiment":"neutral","sentiment_score":0.1506403386592865}],"sentiment":"neutral","sentiment_score":0.1506403386592865,"channel":0,"num_words":1,"start":26.935,"end":27.435},{"sentences":[{"text":"still writing down.","start":27.064999,"end":28.125,"sentiment":"neutral","sentiment_score":0.17293643951416016}],"sentiment":"neutral","sentiment_score":0.17293643951416016,"channel":1,"num_words":3,"start":27.064999,"end":28.125},{"sentences":[{"text":"All good.","start":30.52,"end":31.08,"sentiment":"positive","sentiment_score":0.39541347324848175},{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":31.08,"end":35.64,"sentiment":"neutral","sentiment_score":0.1263917860659686},{"text":"Are you happy for me to proceed with that moving forward?","start":35.64,"end":38.06,"sentiment":"neutral","sentiment_score":0.26273867758837616}],"sentiment":"neutral","sentiment_score":0.18461633409772601,"channel":0,"num_words":35,"start":30.52,"end":38.06},{"sentences":[{"text":"Yep.","start":38.79,"end":39.29,"sentiment":"neutral","sentiment_score":0.20369510352611545}],"sentiment":"neutral","sentiment_score":0.20369510352611545,"channel":1,"num_words":1,"start":38.79,"end":39.29},{"sentences":[{"text":"Fantastic.","start":39.88,"end":40.38,"sentiment":"positive","sentiment_score":0.4621291756629944},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":40.6,"end":44.315002,"sentiment":"neutral","sentiment_score":0.1871545435860753},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well.","start":44.855,"end":49.675,"sentiment":"neutral","sentiment_score":0.1426328518986702}],"sentiment":"neutral","sentiment_score":0.167200551678737,"channel":0,"num_words":42,"start":39.88,"end":49.675},{"sentences":[{"text":"Douglas Russell.","start":50.085,"end":51.065,"sentiment":"neutral","sentiment_score":0.012511823326349258},{"text":"07/30/1966.","start":51.125,"end":52.86,"sentiment":"neutral","sentiment_score":0.012327255681157112},{"text":"At 10 Conapara Street.","start":53.420002,"end":54.88,"sentiment":"neutral","sentiment_score":0.026086083380505443}],"sentiment":"neutral","sentiment_score":0.020242176550839628,"channel":1,"num_words":7,"start":50.085,"end":54.88},{"sentences":[{"text":"Beautiful.","start":55.579998,"end":56.06,"sentiment":"positive","sentiment_score":0.4690055847167969},{"text":"Thank you so much for that.","start":56.06,"end":57.579998,"sentiment":"positive","sentiment_score":0.5530655980110168},{"text":"Well, hopefully, the rain is off for you.","start":57.579998,"end":59.5,"sentiment":"neutral","sentiment_score":0.03748256736434996},{"text":"Do you work indoors or outdoors?","start":59.5,"end":61.04,"sentiment":"neutral","sentiment_score":-0.0004964542264739672}],"sentiment":"neutral","sentiment_score":0.19448957077804066,"channel":0,"num_words":21,"start":55.579998,"end":61.04},{"sentences":[{"text":"Oh, I'm in.","start":61.58,"end":62.72,"sentiment":"neutral","sentiment_score":0.009893058488766352}],"sentiment":"neutral","sentiment_score":0.009893058488766352,"channel":1,"num_words":3,"start":61.58,"end":62.72},{"sentences":[{"text":"Oh, so you're outside.","start":63.1,"end":64.14,"sentiment":"neutral","sentiment_score":0.019045366439968348},{"text":"Hopefully, the rain is off a little bit for you then.","start":64.14,"end":66.64,"sentiment":"neutral","sentiment_score":0.02396438711068847}],"sentiment":"neutral","sentiment_score":0.022652648265163104,"channel":0,"num_words":15,"start":63.1,"end":66.64},{"sentences":[{"text":"Hope so.","start":67.58,"end":68.4,"sentiment":"neutral","sentiment_score":0.05826619267463684}],"sentiment":"neutral","sentiment_score":0.05826619267463684,"channel":1,"num_words":2,"start":67.58,"end":68.4},{"sentences":[{"text":"Yeah.","start":68.645,"end":69.145,"sentiment":"neutral","sentiment_score":0.040659546852111816},{"text":"So I was just having a bit of a read through the message here.","start":69.845,"end":73.284996,"sentiment":"neutral","sentiment_score":0.040997279807925224},{"text":"It says that you wanted to have a bit of a chat, having a look at things.","start":73.284996,"end":76.645,"sentiment":"neutral","sentiment_score":0.05639232815626789},{"text":"You were hoping to retire around about age 67, and you're 60 at the moment.","start":76.645,"end":80.805,"sentiment":"neutral","sentiment_score":0.06129821054637432},{"text":"So just looking at what we can do moving forward and some additional strategies to help you meet that goal.","start":80.805,"end":85.799995,"sentiment":"neutral","sentiment_score":0.16443851590156555}],"sentiment":"neutral","sentiment_score":0.08629155998576933,"channel":0,"num_words":67,"start":68.645,"end":85.799995},{"sentences":[{"text":"Is that right?","start":85.799995,"end":86.7,"sentiment":"neutral","sentiment_score":0.041224256778756775}],"sentiment":"neutral","sentiment_score":0.041224256778756775,"channel":0,"num_words":3,"start":85.799995,"end":86.7},{"sentences":[{"text":"That's right.","start":87.39,"end":87.869995,"sentiment":"neutral","sentiment_score":-0.008377585327252746},{"text":"And I'm not 60 yet.","start":87.869995,"end":89.25,"sentiment":"neutral","sentiment_score":-0.06477931067347527}],"sentiment":"neutral","sentiment_score":-0.048664532003125975,"channel":1,"num_words":7,"start":87.39,"end":89.25},{"sentences":[{"text":"Not 60 yet.","start":89.64,"end":90.84,"sentiment":"neutral","sentiment_score":-0.07754258066415787},{"text":"No.","start":90.84,"end":91.08,"sentiment":"neutral","sentiment_score":-0.08202759176492691},{"text":"That's okay.","start":91.08,"end":91.88,"sentiment":"neutral","sentiment_score":-0.03538333531469107},{"text":"Let's have a look.","start":91.88,"end":93.02,"sentiment":"neutral","sentiment_score":0.012128784321248531},{"text":"So sorry.","start":93.08,"end":96.405,"sentiment":"neutral","sentiment_score":-0.0883391723036766}],"sentiment":"neutral","sentiment_score":-0.04279876764242848,"channel":0,"num_words":12,"start":89.64,"end":96.405},{"sentences":[{"text":"My computer the tab is slow this morning.","start":96.405,"end":98.585,"sentiment":"neutral","sentiment_score":-0.20556173473596573},{"text":"No.","start":99.604996,"end":99.925,"sentiment":"neutral","sentiment_score":-0.0698803961277008},{"text":"True.","start":99.925,"end":100.325,"sentiment":"neutral","sentiment_score":-0.04150364175438881},{"text":"There you go.","start":100.325,"end":101.225,"sentiment":"neutral","sentiment_score":-0.025512943665186565},{"text":"July is your birthday.","start":101.284996,"end":102.585,"sentiment":"neutral","sentiment_score":-0.009186695562675595}],"sentiment":"neutral","sentiment_score":-0.10995079582447514,"channel":0,"num_words":17,"start":96.405,"end":102.585},{"sentences":[{"text":"Yeah, Mike.","start":103.275,"end":104.015,"sentiment":"neutral","sentiment_score":0.0105175138451159}],"sentiment":"neutral","sentiment_score":0.0105175138451159,"channel":1,"num_words":2,"start":103.275,"end":104.015},{"sentences":[{"text":"Yeah.","start":105.045,"end":105.525,"sentiment":"neutral","sentiment_score":0.0014208313077688215},{"text":"No.","start":105.525,"end":105.765,"sentiment":"neutral","sentiment_score":-0.025989191606640816},{"text":"That's okay.","start":105.765,"end":106.485,"sentiment":"neutral","sentiment_score":0.016088030766695738},{"text":"Perfect.","start":106.485,"end":106.885,"sentiment":"neutral","sentiment_score":0.112329363822937},{"text":"Are you taking some downtime?","start":106.885,"end":108.085,"sentiment":"neutral","sentiment_score":0.009014583146199583}],"sentiment":"neutral","sentiment_score":0.01650099807884544,"channel":0,"num_words":10,"start":105.045,"end":108.085},{"sentences":[{"text":"You said a month off.","start":108.085,"end":109.74,"sentiment":"neutral","sentiment_score":-0.022514178603887557},{"text":"You're having some downtime,","start":109.74,"end":110.85999,"sentiment":"neutral","sentiment_score":-0.018211795948445797}],"sentiment":"neutral","sentiment_score":-0.020602008534802332,"channel":0,"num_words":9,"start":108.085,"end":110.85999},{"sentences":[{"text":"Certainly","start":110.840004,"end":111.340004,"sentiment":"neutral","sentiment_score":-0.003078686073422432}],"sentiment":"neutral","sentiment_score":-0.003078686073422432,"channel":1,"num_words":1,"start":110.840004,"end":111.340004},{"sentences":[{"text":"taking some time off for your birthday?","start":110.85999,"end":112.399994,"sentiment":"neutral","sentiment_score":0.006676579160349709}],"sentiment":"neutral","sentiment_score":0.006676579160349709,"channel":0,"num_words":7,"start":110.85999,"end":112.399994},{"sentences":[{"text":"am.","start":113.4,"end":113.9,"sentiment":"neutral","sentiment_score":0.006385115906596184}],"sentiment":"neutral","sentiment_score":0.006385115906596184,"channel":1,"num_words":1,"start":113.4,"end":113.9},{"sentences":[{"text":"Yeah.","start":114.14,"end":114.619995,"sentiment":"neutral","sentiment_score":0.0666695088148117},{"text":"Nice.","start":114.619995,"end":115.02,"sentiment":"neutral","sentiment_score":0.14135152101516724},{"text":"Do you plan on going anywhere, or are you just kind of hoping to rest 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and","start":125.735,"end":128.235,"sentiment":"positive","sentiment_score":0.4817352183163166}],"sentiment":"positive","sentiment_score":0.4817352183163166,"channel":1,"num_words":8,"start":125.735,"end":128.235},{"sentences":[{"text":"Yep.","start":128.075,"end":128.575,"sentiment":"positive","sentiment_score":0.3897624909877777}],"sentiment":"positive","sentiment_score":0.3897624909877777,"channel":0,"num_words":1,"start":128.075,"end":128.575},{"sentences":[{"text":"then save her up for the third, fourth week.","start":128.77501,"end":131.115,"sentiment":"positive","sentiment_score":0.42601611879136825}],"sentiment":"positive","sentiment_score":0.42601611879136825,"channel":1,"num_words":9,"start":128.77501,"end":131.115},{"sentences":[{"text":"I love it.","start":132.075,"end":132.875,"sentiment":"positive","sentiment_score":0.8661395907402039},{"text":"And then back to work, back to reality.","start":132.875,"end":134.815,"sentiment":"positive","sentiment_score":0.40214480832219124}],"sentiment":"positive","sentiment_score":0.5286888398907401,"channel":0,"num_words":11,"start":132.075,"end":134.815},{"sentences":[{"text":"Yep.","start":135.41501,"end":135.91501,"sentiment":"neutral","sentiment_score":0.29797619581222534}],"sentiment":"neutral","sentiment_score":0.29797619581222534,"channel":1,"num_words":1,"start":135.41501,"end":135.91501},{"sentences":[{"text":"Yeah.","start":136.71,"end":137.03,"sentiment":"positive","sentiment_score":0.457340806722641},{"text":"Perfect.","start":137.03,"end":137.53,"sentiment":"positive","sentiment_score":0.6777126789093018},{"text":"Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there.","start":137.91,"end":144.17,"sentiment":"neutral","sentiment_score":0.2526826709508896},{"text":"One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish.","start":144.31,"end":154.365,"sentiment":"neutral","sentiment_score":0.21806006133556366},{"text":"We're allowed to access some of the money under that transition retirement strategy.","start":154.365,"end":158.225,"sentiment":"neutral","sentiment_score":0.1903344438626216}],"sentiment":"neutral","sentiment_score":0.23457590381304422,"channel":0,"num_words":75,"start":136.71,"end":158.225},{"sentences":[{"text":"So we can sort of","start":158.285,"end":159.645,"sentiment":"neutral","sentiment_score":0.2505043804645538}],"sentiment":"neutral","sentiment_score":0.2505043804645538,"channel":0,"num_words":5,"start":158.285,"end":159.645},{"sentences":[{"text":"Yep.","start":159.43501,"end":159.93501,"sentiment":"neutral","sentiment_score":0.2628245949745178}],"sentiment":"neutral","sentiment_score":0.2628245949745178,"channel":1,"num_words":1,"start":159.43501,"end":159.93501},{"sentences":[{"text":"try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there.","start":159.645,"end":168.60999,"sentiment":"neutral","sentiment_score":0.31076237093657255},{"text":"Do you think age 67 is the realistic retirement age that you're working towards?","start":169.15,"end":174.20999,"sentiment":"neutral","sentiment_score":0.026719524392059872},{"text":"Or","start":174.26999,"end":174.76999,"sentiment":"neutral","sentiment_score":0.028783192858099937}],"sentiment":"neutral","sentiment_score":0.2201543064748353,"channel":0,"num_words":47,"start":159.645,"end":174.76999},{"sentences":[{"text":"Certainly am.","start":175.23,"end":176.20999,"sentiment":"neutral","sentiment_score":0.06633631885051727}],"sentiment":"neutral","sentiment_score":0.06633631885051727,"channel":1,"num_words":2,"start":175.23,"end":176.20999},{"sentences":[{"text":"yeah.","start":176.51,"end":176.98999,"sentiment":"neutral","sentiment_score":0.1895134001970291},{"text":"Perfect.","start":176.98999,"end":177.48999,"sentiment":"positive","sentiment_score":0.4313479959964752},{"text":"And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income","start":177.995,"end":187.03499,"sentiment":"neutral","sentiment_score":0.19375891610980034}],"sentiment":"neutral","sentiment_score":0.2006219621090328,"channel":0,"num_words":34,"start":176.51,"end":187.03499},{"sentences":[{"text":"Yep.","start":187.005,"end":187.505,"sentiment":"neutral","sentiment_score":0.3268348276615143}],"sentiment":"neutral","sentiment_score":0.3268348276615143,"channel":1,"num_words":1,"start":187.005,"end":187.505},{"sentences":[{"text":"for you, which can provide a little bit of longevity to your super as well.","start":187.03499,"end":191.03499,"sentiment":"positive","sentiment_score":0.4664214074611664},{"text":"So if you like, I can always sort of factor in that for you to","start":191.03499,"end":194.98,"sentiment":"neutral","sentiment_score":0.18485509554545085}],"sentiment":"neutral","sentiment_score":0.3256382515033086,"channel":0,"num_words":30,"start":187.03499,"end":194.98},{"sentences":[{"text":"Yep.","start":194.9025,"end":195.4025,"sentiment":"neutral","sentiment_score":0.10637053102254868}],"sentiment":"neutral","sentiment_score":0.10637053102254868,"channel":1,"num_words":1,"start":194.9025,"end":195.4025},{"sentences":[{"text":"see what that looks like.","start":194.98,"end":196.28,"sentiment":"neutral","sentiment_score":0.06905396282672882},{"text":"Perfect.","start":198.58,"end":199.08,"sentiment":"positive","sentiment_score":0.3939526379108429},{"text":"Income wise, I have you earning so sorry.","start":200.34,"end":203.24,"sentiment":"neutral","sentiment_score":0.07566854963079095},{"text":"I've got it down here that you're on about 61,000 gross income at the moment.","start":203.62,"end":208.735,"sentiment":"neutral","sentiment_score":0.04666239985575279},{"text":"Is that about right?","start":208.735,"end":209.69499,"sentiment":"neutral","sentiment_score":0.013987442944198847}],"sentiment":"neutral","sentiment_score":0.0636502005667849,"channel":0,"num_words":33,"start":194.98,"end":209.69499},{"sentences":[{"text":"Are you expecting a pay rise in the next few months at all?","start":209.69499,"end":212.435,"sentiment":"neutral","sentiment_score":-0.026593968272209167}],"sentiment":"neutral","sentiment_score":-0.026593968272209167,"channel":0,"num_words":13,"start":209.69499,"end":212.435},{"sentences":[{"text":"Not from the government.","start":212.72,"end":213.78,"sentiment":"neutral","sentiment_score":-0.16946423426270485}],"sentiment":"neutral","sentiment_score":-0.16946423426270485,"channel":1,"num_words":4,"start":212.72,"end":213.78},{"sentences":[{"text":"No?","start":214.575,"end":215.075,"sentiment":"neutral","sentiment_score":-0.14884266257286072},{"text":"No.","start":215.375,"end":215.875,"sentiment":"neutral","sentiment_score":-0.1584303081035614}],"sentiment":"neutral","sentiment_score":-0.15363648533821106,"channel":0,"num_words":2,"start":214.575,"end":215.875},{"sentences":[{"text":"No.","start":215.84,"end":216.285,"sentiment":"neutral","sentiment_score":-0.1316606104373932}],"sentiment":"neutral","sentiment_score":-0.1316606104373932,"channel":1,"num_words":1,"start":215.84,"end":216.285},{"sentences":[{"text":"So 61,000 income.","start":217.855,"end":219.34999,"sentiment":"neutral","sentiment_score":-0.045454033340017},{"text":"And expenditure wise, are you finding that's a good income?","start":220.04999,"end":222.93,"sentiment":"neutral","sentiment_score":0.0019456782145425681},{"text":"Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week?","start":222.93,"end":231.40999,"sentiment":"neutral","sentiment_score":-0.00004881830705750373},{"text":"What's your expenditure sorta look like?","start":231.40999,"end":233.59,"sentiment":"neutral","sentiment_score":-0.034387133084237576}],"sentiment":"neutral","sentiment_score":-0.006494829677976668,"channel":0,"num_words":50,"start":217.855,"end":233.59},{"sentences":[{"text":"Probably a little bit less than that.","start":234.87,"end":237.69,"sentiment":"neutral","sentiment_score":-0.12440919982535499},{"text":"Living a","start":237.75,"end":238.39,"sentiment":"neutral","sentiment_score":-0.11741260066628456}],"sentiment":"neutral","sentiment_score":-0.12285440001222822,"channel":1,"num_words":9,"start":234.87,"end":238.39},{"sentences":[{"text":"Mhmm.","start":238.245,"end":238.745,"sentiment":"neutral","sentiment_score":-0.0771622508764267}],"sentiment":"neutral","sentiment_score":-0.0771622508764267,"channel":0,"num_words":1,"start":238.245,"end":238.745},{"sentences":[{"text":"pretty fear free life at the moment.","start":238.39,"end":240.25,"sentiment":"neutral","sentiment_score":-0.16618956412587846}],"sentiment":"neutral","sentiment_score":-0.16618956412587846,"channel":1,"num_words":7,"start":238.39,"end":240.25},{"sentences":[{"text":"Yep.","start":240.885,"end":241.205,"sentiment":"neutral","sentiment_score":0.08027230203151703},{"text":"Yep.","start":241.205,"end":241.525,"sentiment":"neutral","sentiment_score":0.08281498402357101},{"text":"So you're happy just to reduce it a little bit to provide greater benefit to your super?","start":241.525,"end":245.625,"sentiment":"neutral","sentiment_score":0.2360866307931514}],"sentiment":"neutral","sentiment_score":0.2198189478704559,"channel":0,"num_words":19,"start":240.885,"end":245.625},{"sentences":[{"text":"Well, me, super, I'm pretty happy with the way it's going at the 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gotta put in.","start":253.31499,"end":260.64,"sentiment":"neutral","sentiment_score":0.06892055794596672}],"sentiment":"neutral","sentiment_score":0.06892055794596672,"channel":1,"num_words":10,"start":253.31499,"end":260.64},{"sentences":[{"text":"Yep.","start":261.135,"end":261.61502,"sentiment":"neutral","sentiment_score":0.16266439855098724},{"text":"That's okay.","start":261.61502,"end":262.33502,"sentiment":"neutral","sentiment_score":0.2913443297147751},{"text":"So with this sort of strategy, we are wanting to we do put more into super.","start":262.33502,"end":266.575,"sentiment":"neutral","sentiment_score":0.21981544606387615},{"text":"Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit?","start":266.575,"end":278.06,"sentiment":"neutral","sentiment_score":0.1068062564092023}],"sentiment":"neutral","sentiment_score":0.14815961424675253,"channel":0,"num_words":54,"start":261.135,"end":278.06},{"sentences":[{"text":"No.","start":278.855,"end":279.095,"sentiment":"neutral","sentiment_score":-0.156455397605896},{"text":"I'm pretty happy with what it is.","start":279.095,"end":280.875,"sentiment":"neutral","sentiment_score":0.005842995430741992}],"sentiment":"neutral","sentiment_score":-0.014444303698837757,"channel":1,"num_words":8,"start":278.855,"end":280.875},{"sentences":[{"text":"You're happy to keep it as is for the moment?","start":280.84,"end":283.02,"sentiment":"neutral","sentiment_score":0.14851909279823303}],"sentiment":"neutral","sentiment_score":0.14851909279823303,"channel":0,"num_words":10,"start":280.84,"end":283.02},{"sentences":[{"text":"Yep.","start":283.575,"end":284.075,"sentiment":"neutral","sentiment_score":0.11600476503372192}],"sentiment":"neutral","sentiment_score":0.11600476503372192,"channel":1,"num_words":1,"start":283.575,"end":284.075},{"sentences":[{"text":"Yeah.","start":284.515,"end":284.83502,"sentiment":"neutral","sentiment_score":0.1427113711833954},{"text":"Because, generally, the way this sort of strategy works is you are putting more money in the super.","start":284.83502,"end":289.155,"sentiment":"neutral","sentiment_score":0.2779219175378482},{"text":"You can take a little bit out.","start":289.155,"end":290.435,"sentiment":"neutral","sentiment_score":0.30558776429721285},{"text":"It gives you the benefit of hopefully paying a little bit less than the way of income tax.","start":290.435,"end":294.27502,"sentiment":"neutral","sentiment_score":0.2735854271385405},{"text":"You keep your take and pay exactly the same.","start":294.27502,"end":296.61502,"sentiment":"neutral","sentiment_score":0.30744144982761806}],"sentiment":"neutral","sentiment_score":0.28256473535636684,"channel":0,"num_words":53,"start":284.515,"end":296.61502},{"sentences":[{"text":"But to get benefit out of this strategy, you do need to be able to put more money into super as well.","start":297.21002,"end":302.17,"sentiment":"neutral","sentiment_score":0.2916636981747367},{"text":"Otherwise, you're kinda just taking some out.","start":302.17,"end":304.51,"sentiment":"neutral","sentiment_score":0.13743257416146143},{"text":"You don't have to look at this if you're happy with the way your super is going.","start":304.57,"end":308.19,"sentiment":"neutral","sentiment_score":0.2881741006584728},{"text":"We could just sort of wait and maybe have a conversation in a few months' 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15%.","start":320.78,"end":329.04498,"sentiment":"neutral","sentiment_score":0.1756696899731954},{"text":"Is that about","start":329.04498,"end":329.76498,"sentiment":"neutral","sentiment_score":0.04183619096875191}],"sentiment":"neutral","sentiment_score":0.15655061868684633,"channel":1,"num_words":21,"start":320.78,"end":329.76498},{"sentences":[{"text":"Yeah.","start":329.68,"end":330.18,"sentiment":"neutral","sentiment_score":0.04713008552789688}],"sentiment":"neutral","sentiment_score":0.04713008552789688,"channel":0,"num_words":1,"start":329.68,"end":330.18},{"sentences":[{"text":"right?","start":329.76498,"end":330.26498,"sentiment":"neutral","sentiment_score":0.04606156796216965}],"sentiment":"neutral","sentiment_score":0.04606156796216965,"channel":1,"num_words":1,"start":329.76498,"end":330.26498},{"sentences":[{"text":"So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%.","start":331.68,"end":348.45502,"sentiment":"neutral","sentiment_score":0.09545652143830477}],"sentiment":"neutral","sentiment_score":0.09545652143830477,"channel":0,"num_words":43,"start":331.68,"end":348.45502},{"sentences":[{"text":"Alright.","start":349.35,"end":349.67,"sentiment":"neutral","sentiment_score":0.11566060036420822},{"text":"Yep.","start":349.67,"end":350.17,"sentiment":"neutral","sentiment_score":0.11782088875770567}],"sentiment":"neutral","sentiment_score":0.11674074456095695,"channel":1,"num_words":2,"start":349.35,"end":350.17},{"sentences":[{"text":"Yeah.","start":350.67502,"end":350.99503,"sentiment":"neutral","sentiment_score":0.18401336669921875},{"text":"So it looks it's still a good return.","start":350.99503,"end":352.855,"sentiment":"positive","sentiment_score":0.33955246582627296},{"text":"Having a look at where you are, most of your portfolio has performed quite 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underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit.","start":378.79498,"end":389.66998,"sentiment":"neutral","sentiment_score":-0.32517789457088864},{"text":"So it is down and has had a little bit of an effect on the return for the year.","start":389.66998,"end":393.69,"sentiment":"negative","sentiment_score":-0.3905152694175118}],"sentiment":"neutral","sentiment_score":-0.12417266708918107,"channel":0,"num_words":78,"start":372.07498,"end":393.69},{"sentences":[{"text":"As a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing.","start":394.22998,"end":409.93002,"sentiment":"neutral","sentiment_score":-0.1767617842476619},{"text":"Did you want me just to hold off and we can have a catch up in a few 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at it really often.","start":427.685,"end":428.885,"sentiment":"neutral","sentiment_score":0.10286038368940353},{"text":"Fantastic.","start":428.885,"end":429.385,"sentiment":"positive","sentiment_score":0.46902862191200256}],"sentiment":"neutral","sentiment_score":0.14480959717184305,"channel":0,"num_words":8,"start":427.205,"end":429.385},{"sentences":[{"text":"Yeah.","start":430.41,"end":430.73,"sentiment":"neutral","sentiment_score":0.2088837623596191},{"text":"So it's quite easy to do on the computer.","start":430.73,"end":432.67,"sentiment":"neutral","sentiment_score":0.21237307455804613}],"sentiment":"neutral","sentiment_score":0.21202414333820344,"channel":1,"num_words":10,"start":430.41,"end":432.67},{"sentences":[{"text":"Yeah.","start":433.54,"end":434.04,"sentiment":"neutral","sentiment_score":0.2062211781740189},{"text":"Excellent.","start":434.26,"end":434.74002,"sentiment":"positive","sentiment_score":0.48280826210975647},{"text":"That's really good.","start":434.74002,"end":435.54,"sentiment":"positive","sentiment_score":0.5217342376708984},{"text":"That's good.","start":435.54,"end":436.26,"sentiment":"positive","sentiment_score":0.4215412437915802},{"text":"Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else?","start":436.26,"end":441.86002,"sentiment":"neutral","sentiment_score":-0.004787975301345189}],"sentiment":"neutral","sentiment_score":0.10702739855540651,"channel":0,"num_words":28,"start":433.54,"end":441.86002},{"sentences":[{"text":"Or did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track?","start":441.86002,"end":446.755,"sentiment":"neutral","sentiment_score":0.02027731692349469},{"text":"What would you sort of prefer to do right 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been very actively managed underlying.","start":473.23502,"end":480.375,"sentiment":"neutral","sentiment_score":-0.18155700851369788}],"sentiment":"neutral","sentiment_score":-0.09818247111627099,"channel":0,"num_words":66,"start":460.53,"end":480.375},{"sentences":[{"text":"I could remove it out.","start":481.155,"end":482.275,"sentiment":"neutral","sentiment_score":-0.13395875841379165},{"text":"The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost.","start":482.275,"end":488.25,"sentiment":"neutral","sentiment_score":0.24645735582579736},{"text":"That could provide a little bit of a benefit to you.","start":488.73,"end":490.97,"sentiment":"positive","sentiment_score":0.5776200050657446},{"text":"You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money 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mortgage.","start":764.82996,"end":765.41,"sentiment":"neutral","sentiment_score":0.0245612021535635}],"sentiment":"neutral","sentiment_score":0.0245612021535635,"channel":1,"num_words":2,"start":764.82996,"end":765.41},{"sentences":[{"text":"mortgage there.","start":764.92505,"end":765.84,"sentiment":"neutral","sentiment_score":0.02232229243963957},{"text":"Yep.","start":766.0,"end":766.5,"sentiment":"neutral","sentiment_score":0.04218260943889618},{"text":"Yep.","start":767.2,"end":767.7,"sentiment":"neutral","sentiment_score":0.05038433521986008}],"sentiment":"neutral","sentiment_score":0.03430288238450885,"channel":0,"num_words":4,"start":764.92505,"end":767.7},{"sentences":[{"text":"That's biggest financial sort of things I'd like to like to look 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nicely.","start":783.485,"end":787.325,"sentiment":"neutral","sentiment_score":0.22895930334925652}],"sentiment":"neutral","sentiment_score":0.21217894641792073,"channel":0,"num_words":34,"start":774.88,"end":787.325},{"sentences":[{"text":"You're fairly comfortable with how you're paying that down.","start":787.325,"end":789.565,"sentiment":"neutral","sentiment_score":0.28047962817880845},{"text":"Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form?","start":789.565,"end":794.545,"sentiment":"neutral","sentiment_score":0.05727973456184069}],"sentiment":"neutral","sentiment_score":0.13167969910082994,"channel":0,"num_words":27,"start":787.325,"end":794.545},{"sentences":[{"text":"No.","start":794.85004,"end":795.09,"sentiment":"neutral","sentiment_score":-0.32923686504364014},{"text":"I'm pretty happy the way it's going at the 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please do let us know.","start":801.89,"end":803.73,"sentiment":"neutral","sentiment_score":0.09041125575701396},{"text":"We do have access to mortgage brokers.","start":803.73,"end":805.81,"sentiment":"neutral","sentiment_score":0.12694872596434184},{"text":"They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible.","start":805.81,"end":811.10504,"sentiment":"neutral","sentiment_score":0.25403001070022585}],"sentiment":"neutral","sentiment_score":0.19499705541272497,"channel":0,"num_words":43,"start":800.69,"end":811.10504},{"sentences":[{"text":"Yep.","start":811.525,"end":812.025,"sentiment":"neutral","sentiment_score":0.15262971818447113}],"sentiment":"neutral","sentiment_score":0.15262971818447113,"channel":1,"num_words":1,"start":811.525,"end":812.025},{"sentences":[{"text":"And they are paid directly by the bank, so there's no cost to yourself.","start":811.72504,"end":815.245,"sentiment":"neutral","sentiment_score":0.2407986894249916},{"text":"And we can certainly refer you to someone that helps you along.","start":815.245,"end":818.205,"sentiment":"neutral","sentiment_score":0.2897195741534233},{"text":"Okay?","start":818.205,"end":818.705,"sentiment":"neutral","sentiment_score":0.14687210321426392}],"sentiment":"neutral","sentiment_score":0.25906254240760096,"channel":0,"num_words":27,"start":811.72504,"end":818.705},{"sentences":[{"text":"Yep.","start":819.24,"end":819.48,"sentiment":"neutral","sentiment_score":0.09952057898044586},{"text":"That's not drama.","start":819.48,"end":820.36,"sentiment":"neutral","sentiment_score":0.11168774465719859},{"text":"Thanks.","start":820.36,"end":820.86,"sentiment":"positive","sentiment_score":0.5109782814979553}],"sentiment":"neutral","sentiment_score":0.18911241888999938,"channel":1,"num_words":5,"start":819.24,"end":820.86},{"sentences":[{"text":"Perfect.","start":820.765,"end":821.265,"sentiment":"neutral","sentiment_score":0.02120191976428032},{"text":"So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there.","start":821.405,"end":831.71,"sentiment":"neutral","sentiment_score":0.13992794337017195},{"text":"You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment.","start":831.71,"end":836.99,"sentiment":"neutral","sentiment_score":0.2537605589941928},{"text":"Am I right in sort of where we're going with that one?","start":836.99,"end":839.65,"sentiment":"neutral","sentiment_score":0.08400003363688786}],"sentiment":"neutral","sentiment_score":0.16041986510824802,"channel":0,"num_words":67,"start":820.765,"end":839.65},{"sentences":[{"text":"Yep.","start":839.96497,"end":840.46497,"sentiment":"neutral","sentiment_score":0.15944571793079376}],"sentiment":"neutral","sentiment_score":0.15944571793079376,"channel":1,"num_words":1,"start":839.96497,"end":840.46497},{"sentences":[{"text":"Yeah.","start":840.885,"end":841.365,"sentiment":"neutral","sentiment_score":0.2995797395706177},{"text":"Beautiful.","start":841.365,"end":841.865,"sentiment":"positive","sentiment_score":0.5167859196662903},{"text":"I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund.","start":842.40497,"end":848.265,"sentiment":"neutral","sentiment_score":0.10360939663065516},{"text":"It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you.","start":848.565,"end":856.53,"sentiment":"neutral","sentiment_score":0.11531147034838796},{"text":"But your super benefit is all that would be paid out to your beneficiaries there.","start":856.83,"end":860.83,"sentiment":"neutral","sentiment_score":0.1766548867026965}],"sentiment":"neutral","sentiment_score":0.1324885018532061,"channel":0,"num_words":72,"start":840.885,"end":860.83},{"sentences":[{"text":"Are you fairly comfortable with that?","start":860.83,"end":862.51,"sentiment":"neutral","sentiment_score":0.042554108425974846},{"text":"You're not wanting to look at life 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claim.","start":886.51,"end":892.53,"sentiment":"neutral","sentiment_score":0.20228690132498742},{"text":"And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit.","start":893.235,"end":899.735,"sentiment":"neutral","sentiment_score":0.1174453857044379},{"text":"But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working.","start":899.795,"end":910.08,"sentiment":"neutral","sentiment_score":-0.007713632425293326},{"text":"You're comfortable not having any of those covers.","start":910.08,"end":912.48004,"sentiment":"neutral","sentiment_score":-0.04572345828637481},{"text":"You just wanna focus on your 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right.","start":915.225,"end":916.125,"sentiment":"neutral","sentiment_score":0.14788171648979187}],"sentiment":"neutral","sentiment_score":0.14788171648979187,"channel":1,"num_words":2,"start":915.225,"end":916.125},{"sentences":[{"text":"Yep.","start":916.48004,"end":916.98004,"sentiment":"neutral","sentiment_score":0.23814347386360168},{"text":"Beautiful.","start":917.04004,"end":917.54004,"sentiment":"positive","sentiment_score":0.5432496070861816},{"text":"Perfect.","start":917.68,"end":918.18,"sentiment":"positive","sentiment_score":0.4963379204273224},{"text":"And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to?","start":919.04004,"end":926.575,"sentiment":"neutral","sentiment_score":0.15198683538115942},{"text":"What's who's your beneficiary that or that you would wanna have everything paid 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right?","start":936.99,"end":937.97003,"sentiment":"neutral","sentiment_score":0.11865132053693135}],"sentiment":"neutral","sentiment_score":0.17950711958110332,"channel":0,"num_words":16,"start":933.055,"end":937.97003},{"sentences":[{"text":"That's correct.","start":938.18,"end":939.48,"sentiment":"neutral","sentiment_score":0.1463414803147316}],"sentiment":"neutral","sentiment_score":0.1463414803147316,"channel":1,"num_words":2,"start":938.18,"end":939.48},{"sentences":[{"text":"Yeah.","start":939.95,"end":940.35004,"sentiment":"neutral","sentiment_score":0.24670393764972687},{"text":"Perfect.","start":940.35004,"end":940.75,"sentiment":"positive","sentiment_score":0.4677520394325256},{"text":"I'm just having a quick look at your supervisor to see if that is noted there.","start":940.75,"end":944.51,"sentiment":"neutral","sentiment_score":0.19163409247994423},{"text":"So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see 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on?","start":1022.62,"end":1024.78,"sentiment":"neutral","sentiment_score":0.07330361269414425},{"text":"Anything else you wanted to ask me","start":1024.78,"end":1026.38,"sentiment":"neutral","sentiment_score":0.01608084940484592}],"sentiment":"neutral","sentiment_score":0.0913360737837278,"channel":0,"num_words":26,"start":1019.58,"end":1026.38},{"sentences":[{"text":"No.","start":1026.345,"end":1026.845,"sentiment":"neutral","sentiment_score":-0.034706100821495056}],"sentiment":"neutral","sentiment_score":-0.034706100821495056,"channel":1,"num_words":1,"start":1026.345,"end":1026.845},{"sentences":[{"text":"there at all, Douglas?","start":1026.38,"end":1027.52,"sentiment":"neutral","sentiment_score":-0.04427957907319069}],"sentiment":"neutral","sentiment_score":-0.04427957907319069,"channel":0,"num_words":4,"start":1026.38,"end":1027.52},{"sentences":[{"text":"I'm pretty happy with that.","start":1028.265,"end":1029.565,"sentiment":"neutral","sentiment_score":0.3050753504037857}],"sentiment":"neutral","sentiment_score":0.3050753504037857,"channel":1,"num_words":5,"start":1028.265,"end":1029.565},{"sentences":[{"text":"Yep.","start":1029.74,"end":1030.155,"sentiment":"neutral","sentiment_score":0.24719075858592987},{"text":"Beautiful.","start":1030.395,"end":1030.875,"sentiment":"positive","sentiment_score":0.4444445371627808},{"text":"Well, I will let you go.","start":1030.875,"end":1031.915,"sentiment":"positive","sentiment_score":0.3915938635667165},{"text":"I thank you so much for your time today.","start":1031.915,"end":1033.935,"sentiment":"positive","sentiment_score":0.6624231073591444},{"text":"We'll get cracking on that updated advice document.","start":1034.235,"end":1036.5751,"sentiment":"positive","sentiment_score":0.45130717009305954}],"sentiment":"positive","sentiment_score":0.5045385521650314,"channel":0,"num_words":25,"start":1029.74,"end":1036.5751},{"sentences":[{"text":"Once we have it ready to go, I'll get you back in, and we will go through that together.","start":1036.635,"end":1040.975,"sentiment":"positive","sentiment_score":0.3334845477028897},{"text":"Okay?","start":1041.115,"end":1041.615,"sentiment":"neutral","sentiment_score":0.18067437410354617}],"sentiment":"neutral","sentiment_score":0.3258440390229225,"channel":0,"num_words":20,"start":1036.635,"end":1041.615},{"sentences":[{"text":"Not a problem.","start":1042.26,"end":1043.08,"sentiment":"neutral","sentiment_score":0.21211060881614685}],"sentiment":"neutral","sentiment_score":0.21211060881614685,"channel":1,"num_words":3,"start":1042.26,"end":1043.08},{"sentences":[{"text":"Easy.","start":1043.61,"end":1044.0901,"sentiment":"positive","sentiment_score":0.6653527021408081},{"text":"Thank you so much for your time today.","start":1044.0901,"end":1045.6901,"sentiment":"positive","sentiment_score":0.8892897740006447},{"text":"I hope you have a great afternoon.","start":1045.6901,"end":1047.2101,"sentiment":"positive","sentiment_score":0.8339518223490033},{"text":"I hope the rain stops for you.","start":1047.2101,"end":1048.99,"sentiment":"positive","sentiment_score":0.6202609964779445},{"text":"Beautiful.","start":1051.13,"end":1051.63,"sentiment":"positive","sentiment_score":0.8009896278381348}],"sentiment":"positive","sentiment_score":0.7816729272405306,"channel":0,"num_words":24,"start":1043.61,"end":1051.63},{"sentences":[{"text":"Thank you so much for your time today.","start":1052.5701,"end":1054.17,"sentiment":"positive","sentiment_score":0.8507698699831963},{"text":"If there's anything else you need, please don't ever hesitate to let me know.","start":1054.17,"end":1057.29,"sentiment":"neutral","sentiment_score":0.32134437028850826},{"text":"Okay?","start":1057.29,"end":1057.79,"sentiment":"neutral","sentiment_score":0.20606359839439392}],"sentiment":"positive","sentiment_score":0.5004801627086557,"channel":0,"num_words":23,"start":1052.5701,"end":1057.79},{"sentences":[{"text":"Not a problem.","start":1058.315,"end":1058.955,"sentiment":"positive","sentiment_score":0.37675516804059345},{"text":"Thanks.","start":1058.955,"end":1059.455,"sentiment":"positive","sentiment_score":0.7053350210189819}],"sentiment":"positive","sentiment_score":0.4589001312851906,"channel":1,"num_words":4,"start":1058.315,"end":1059.455},{"sentences":[{"text":"Thanks.","start":1059.7351,"end":1060.2151,"sentiment":"positive","sentiment_score":0.7506954073905945},{"text":"Enjoy your day.","start":1060.2151,"end":1061.0951,"sentiment":"positive","sentiment_score":0.7408774495124817},{"text":"See you later.","start":1061.0951,"end":1061.915,"sentiment":"positive","sentiment_score":0.5530579884847006}],"sentiment":"positive","sentiment_score":0.6617859601974487,"channel":0,"num_words":7,"start":1059.7351,"end":1061.915},{"sentences":[{"text":"You too.","start":1062.235,"end":1062.7949,"sentiment":"positive","sentiment_score":0.3604939579963684},{"text":"See you.","start":1062.7949,"end":1063.375,"sentiment":"neutral","sentiment_score":0.06514480710029602}],"sentiment":"neutral","sentiment_score":0.21281938254833221,"channel":1,"num_words":4,"start":1062.235,"end":1063.375}]},"summary":{"result":"success","short":"During a call with Douglas from KPMG Financial, Dana from Kessler Financial discusses retirement goals and retirement strategies with Douglas. They suggest a transition retirement strategy and the possibility of adding more income to his super. Dana emphasizes the importance of staying within the low risk environment and offers to help prevent emotional reactions to the market. They also discuss their investment strategy, refinancing options, and credit score and home value. The speaker emphasizes the benefits of their super are paid directly by the bank and offers to provide updated advice."},"intents":{"segments":[{"text":"So I was just having a bit of a read through the message here. It says that you wanted to have a bit of a chat, having a look at things. You were hoping to retire around about age 67, and you're 60 at the moment. So just looking at what we can do moving forward and some additional strategies to help you meet that goal. Is that right?","start_word":204,"end_word":272,"intents":[{"intent":"Retire age 60","confidence_score":0.0006932027}]},{"text":"I'll rest for the first week or two and then Yeah. get the most in the second week and Yep. then save her up for the third, fourth week. I love it.","start_word":359,"end_word":390,"intents":[{"intent":"Refresh and maximize super contributions","confidence_score":0.00017126842}]},{"text":"One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish.","start_word":427,"end_word":460,"intents":[{"intent":"Use super funds","confidence_score":0.0013878581}]},{"text":"Do you think age 67 is the realistic retirement age that you're working towards? Or Certainly am.","start_word":512,"end_word":528,"intents":[{"intent":"Inquire about retirement age","confidence_score":0.020933906}]},{"text":"Income wise, I have you earning so sorry. I've got it down here that you're on about 61,000 gross income at the moment. Is that about right? Are you expecting a pay rise in the next few months at all? Not from the government.","start_word":601,"end_word":644,"intents":[{"intent":"Factor in income and expenditure","confidence_score":0.00024655162}]},{"text":"So you're happy just to reduce it a little bit to provide greater benefit to your super?","start_word":717,"end_word":733,"intents":[{"intent":"Reducing cheltuielile","confidence_score":6.723504e-7},{"intent":"Provide benefit to super","confidence_score":0.22787483}]},{"text":"So with this sort of strategy, we are wanting to we do put more into super. Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit? No.","start_word":764,"end_word":815,"intents":[{"intent":"Discuss strategy","confidence_score":0.23772517}]},{"text":"We could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do?","start_word":933,"end_word":976,"intents":[{"intent":"Set up conversation","confidence_score":0.00013582825}]},{"text":"So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%. Alright.","start_word":1010,"end_word":1053,"intents":[{"intent":"Check portfolio performance","confidence_score":0.075200714}]},{"text":"As a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing.","start_word":1195,"end_word":1251,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.48641574}]},{"text":"And just having a look at the way you are invested at the moment, it does look like you have sorry. I'm just needing to see what we looks like we did do a Okay.","start_word":1602,"end_word":1636,"intents":[{"intent":"Evaluate investments","confidence_score":0.024128862}]},{"text":"Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds?","start_word":1874,"end_word":1922,"intents":[{"intent":"Discuss options","confidence_score":0.24877663}]},{"text":"I'd sort of have a chat to you, people find out what's going on, Yep. and let it go from there. Yep.","start_word":1923,"end_word":1944,"intents":[{"intent":"Assess market dynamics","confidence_score":0.0046135797}]},{"text":"Yeah.","start_word":2117,"end_word":2117,"intents":[{"intent":"Convince speaker to talk","confidence_score":0.00010577065}]},{"text":"Because as human beings, we are very emotional creatures. We do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing.","start_word":2209,"end_word":2245,"intents":[{"intent":"Inform speaker about market reactions","confidence_score":0.0013912041}]},{"text":"So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them. Okay? Yeah.","start_word":2247,"end_word":2296,"intents":[{"intent":"Prevent emotional reactions","confidence_score":0.5192451},{"intent":"Help","confidence_score":0.034374796},{"intent":"Provide advice on debt repayment","confidence_score":2.391357e-7}]},{"text":"Have you ever invested in your own name before in the past, or is super the only Yeah.","start_word":2307,"end_word":2324,"intents":[{"intent":"Discuss investments","confidence_score":0.073060334}]},{"text":"Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form?","start_word":2464,"end_word":2481,"intents":[{"intent":"Refinancing","confidence_score":0.01457555}]},{"text":"We do have access to mortgage brokers. They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible. Yep. And they are paid directly by the bank, so there's no cost to yourself. And we can certainly refer you to someone that helps you along. Okay? Yep.","start_word":2515,"end_word":2575,"intents":[{"intent":"Refer to a mortgage broker","confidence_score":0.016842382}]},{"text":"So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there.","start_word":2582,"end_word":2616,"intents":[{"intent":"Removing investments","confidence_score":0.02469508},{"intent":"Moving investments","confidence_score":0.046175882}]},{"text":"I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund. It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you. But your super benefit is all that would be paid out to your beneficiaries there.","start_word":2650,"end_word":2719,"intents":[{"intent":"Indicating super payout","confidence_score":0.000009923403}]},{"text":"You can also apply for your super release on the permanent incapacity.","start_word":2795,"end_word":2806,"intents":[{"intent":"Applying for super release","confidence_score":0.3395046}]},{"text":"And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit.","start_word":2837,"end_word":2866,"intents":[{"intent":"Accessing super","confidence_score":0.48703527},{"intent":"Creating super super fund","confidence_score":0.003036379}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Douglas. This is Dana from AFI Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.15643459558486938},{"text":"Good. Thank you. I'm very well. Thank you. Thanks for asking.","start_word":13,"end_word":23,"sentiment":"positive","sentiment_score":0.6410791873931885},{"text":"I had you booked in for a bit of a follow-up on your So after your annual review for an advice discussion. Is now still a good time there for you? it is.","start_word":24,"end_word":56,"sentiment":"neutral","sentiment_score":0.1738988608121872},{"text":"Fantastic.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.5422552227973938},{"text":"How's your morning been so far? I was writing down his side. Yeah. Wow. Then Wow. still writing down.","start_word":58,"end_word":76,"sentiment":"neutral","sentiment_score":0.16392463445663452},{"text":"All good.","start_word":77,"end_word":78,"sentiment":"positive","sentiment_score":0.3846308588981629},{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yep.","start_word":79,"end_word":112,"sentiment":"neutral","sentiment_score":0.1721922755241394},{"text":"Fantastic.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.4621291756629944},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file for you as well. Douglas Russell. 07/30/1966. At 10 Conapara Street.","start_word":114,"end_word":161,"sentiment":"neutral","sentiment_score":0.12360335886478424},{"text":"Beautiful. Thank you so much for that.","start_word":162,"end_word":168,"sentiment":"positive","sentiment_score":0.529664158821106},{"text":"Well, hopefully, the rain is off for you. Do you work indoors or outdoors? Oh, I'm in. Oh, so you're outside. Hopefully, the rain is off a little bit for you then. Hope so. Yeah. So I was just having a bit of a read through the message here. It says that you wanted to have a bit of a chat, having a look at things. You were hoping to retire around about age 67, and you're 60 at the moment. So just looking at what we can do moving forward and some additional strategies to help you meet that goal. Is that right? That's right. And I'm not 60 yet. Not 60 yet. No. That's okay. Let's have a look. So sorry. My computer the tab is slow this morning. No. True. There you go. July is your birthday. Yeah, Mike. Yeah. No. That's okay. Perfect. Are you taking some downtime? You said a month off. You're having some downtime, Certainly taking some time off for your birthday? am. Yeah. Nice. Do you plan on going anywhere, or are you just kind of hoping to rest up? Alright. I'll rest for the first week or two and then Yeah.","start_word":169,"end_word":368,"sentiment":"neutral","sentiment_score":0.03396046359091997},{"text":"get the most in the second week and Yep. then save her up for the third, fourth week. I love it. And then back to work, back to reality.","start_word":369,"end_word":397,"sentiment":"positive","sentiment_score":0.47922483086586},{"text":"Yep.","start_word":398,"end_word":398,"sentiment":"neutral","sentiment_score":0.29797619581222534},{"text":"Yeah. Perfect.","start_word":399,"end_word":400,"sentiment":"positive","sentiment_score":0.5675267577171326},{"text":"Well, given that you are about to turn 60 this year, there are definitely some strategies that we can look at to put in place there. One of those is looking at maybe a transition retirement strategy where you can be increasing your contributions in the super, but we can also utilize some of the money in super to replenish. We're allowed to access some of the money under that transition retirement strategy. So we can sort of Yep. try to replenish and keep your take home pay the same or as close to as possible whilst increasing contributions and to provide a bit of a boost to your super there. Do you think age 67 is the realistic retirement age that you're working towards? Or Certainly am. yeah.","start_word":401,"end_word":529,"sentiment":"neutral","sentiment_score":0.21883587539196017},{"text":"Perfect.","start_word":530,"end_word":530,"sentiment":"positive","sentiment_score":0.4313479959964752},{"text":"And that's also the age that given eligibility at that time, you may be able to access Age Pension as well to help, you know, provide a little bit of extra income Yep.","start_word":531,"end_word":563,"sentiment":"neutral","sentiment_score":0.20739592611789703},{"text":"for you, which can provide a little bit of longevity to your super as well.","start_word":564,"end_word":578,"sentiment":"positive","sentiment_score":0.4568926393985748},{"text":"So if you like, I can always sort of factor in that for you to Yep. see what that looks like.","start_word":579,"end_word":599,"sentiment":"neutral","sentiment_score":0.14953596889972687},{"text":"Perfect.","start_word":600,"end_word":600,"sentiment":"positive","sentiment_score":0.3939526379108429},{"text":"Income wise, I have you earning so sorry. I've got it down here that you're on about 61,000 gross income at the moment. Is that about right? Are you expecting a pay rise in the next few months at all? Not from the government. No? No. No. So 61,000 income. And expenditure wise, are you finding that's a good income? Did you wanna try and keep your income at around about the same sort of income, or are you happy to maybe just have a a little bit less every week? What's your expenditure sorta look like? Probably a little bit less than that. Living a Mhmm. pretty fear free life at the moment. Yep. Yep. So you're happy just to reduce it a little bit to provide greater benefit to your super?","start_word":601,"end_word":733,"sentiment":"neutral","sentiment_score":0.009916549548506737},{"text":"Well, me, super, I'm pretty happy with the way it's going at the moment Mhmm.","start_word":734,"end_word":748,"sentiment":"positive","sentiment_score":0.5378377437591553},{"text":"Mhmm. Yep. With the 12% that the the employers gotta put in. Yep. That's okay. So with this sort of strategy, we are wanting to we do put more into super. Did you wanna look at that strategy where you will contribute more to super but also replenish your income by taking a little bit out, reducing your hopefully, reducing your taxable income a little bit? No. I'm pretty happy with what it is. You're happy to keep it as is for the moment? Yep. Yeah. Because, generally, the way this sort of strategy works is you are putting more money in the super. You can take a little bit out. It gives you the benefit of hopefully paying a little bit less than the way of income tax. You keep your take and pay exactly the same. But to get benefit out of this strategy, you do need to be able to put more money into super as well. Otherwise, you're kinda just taking some out. You don't have to look at this if you're happy with the way your super is going. We could just sort of wait and maybe have a conversation in a few months' time, do a bit of a catch up and see if you wanted to look at additional strategies down the track, what would you sort of like to do? I'm loaded the way it is at the moment Yep. because because last year, I think, last well, this financial year, it's gone skyrocketing up to about 15%. Is that about Yeah. right? So having a look at the the report I have here at the moment from your annual review there shows that the increase or the return, which is your income plus the growth within the portfolio after tax for this year was 5.81%. Alright. Yep. Yeah.","start_word":749,"end_word":1055,"sentiment":"neutral","sentiment_score":0.16556045413017273},{"text":"So it looks it's still a good return.","start_word":1056,"end_word":1063,"sentiment":"positive","sentiment_score":0.3452187776565552},{"text":"Having a look at where you are, most of your portfolio has performed quite well.","start_word":1064,"end_word":1078,"sentiment":"neutral","sentiment_score":0.3032667636871338},{"text":"Everything is up for the year.","start_word":1079,"end_word":1084,"sentiment":"positive","sentiment_score":0.4078620076179504},{"text":"It's just sort of looking at you've got some Ben along Australian equities. That investment has sort of underperformed a little bit. Your balance in here is around about that 120 Yep. a 128,403 in there.","start_word":1085,"end_word":1120,"sentiment":"neutral","sentiment_score":0.05158663178897566},{"text":"So it has been growing quite steadily. It is still a positive return for the year.","start_word":1121,"end_word":1136,"sentiment":"positive","sentiment_score":0.6254561543464661},{"text":"But one of your investments in there, there's been a long Australian equities component that has had some underlying issues with one of their investments that has had a bit of a pullback on your portfolio a little bit.","start_word":1137,"end_word":1175,"sentiment":"neutral","sentiment_score":-0.32828202843666077},{"text":"So it is down and has had a little bit of an effect on the return for the year.","start_word":1176,"end_word":1194,"sentiment":"negative","sentiment_score":-0.39049744606018066},{"text":"As a business decision, because it is kind of underperforming, we do wanna remove that out of your portfolio, but we can hold off for the moment to see if it comes back and has a little bit of a a rebound and maybe catch up around about June, July to see if it's still worth assessing. Did you want me just to hold off and we can have a catch up in a few months to see where things are up to? I sort of agree with you about it's not underperforming. I've been I've Yeah. Yeah. got keep an eye on me, you get Portfolio online myself. Yep. You look at it really often.","start_word":1195,"end_word":1310,"sentiment":"neutral","sentiment_score":-0.0970233902335167},{"text":"Fantastic.","start_word":1311,"end_word":1311,"sentiment":"positive","sentiment_score":0.46902862191200256},{"text":"Yeah. So it's quite easy to do on the computer. Yeah.","start_word":1312,"end_word":1322,"sentiment":"neutral","sentiment_score":0.2138235867023468},{"text":"Excellent. That's really good. That's good.","start_word":1323,"end_word":1328,"sentiment":"positive","sentiment_score":0.4739893078804016},{"text":"Did you want us to look at maybe just altering the strategy and taking that out, replacing it with something else? Or did you wanna just keep a hold of that to see if it has a bit of recovery and we can assess it down the track? What would you sort of prefer to do right now? I'd say it's sort of a slow movers, so I'd rather remove Yeah. it Yep. and look at something else that you could approach. Yeah. Yeah. Absolutely. One of the things one of the main reasons that was in your portfolio when you came on board was to give you a little bit of an actively managed component or an investment in there. However, looking at the way it's been along, have they haven't really changed a lot in that portfolio, so it really hasn't been very actively managed underlying. I could remove it out. The investments that we are looking to replace in its place are more passively managed, but can be a little bit lower cost.","start_word":1329,"end_word":1504,"sentiment":"neutral","sentiment_score":-0.030690664637156508},{"text":"That could provide a little bit of a benefit to you. You're happy for me just to sort of take it out, put something in there that's probably lower cost, save you on investment fees, and keep more money invested?","start_word":1505,"end_word":1544,"sentiment":"positive","sentiment_score":0.552811861038208},{"text":"I don't see that being too big of an issue. You're you're not immune to that. Absolutely. Absolutely. No. That's absolutely fine. And I get I'm just rid having of that a look. get get rid of You're benelone. right. As Yep. you say, bring in something that's gonna be more positive. Yep. Yeah.","start_word":1545,"end_word":1598,"sentiment":"neutral","sentiment_score":-0.01900726743042469},{"text":"Perfect. All good.","start_word":1599,"end_word":1601,"sentiment":"positive","sentiment_score":0.3934966027736664},{"text":"And just having a look at the way you are invested at the moment, it does look like you have sorry. I'm just needing to see what we looks like we did do a Okay. change on your investment profile a little bit back. Yep. So last year, you had that change of risk profile, and we've moved you into more of a balanced growth port portfolio. So that generally sees around about 70% of your super invested in growth assets, Yep. reducing yeah. And also about 30%, those lowest defensive investments as well. This sort of profile does fit someone who has about five years before they're wanting to access their sofa. Are you happy of sort of staying in that lower risk environment? Did you wanna maybe look at increasing things to see if you can get greater gains moving forward, or what's your thoughts with the sort of portfolio you're in? The way the world's going at the moment, I'd rather leave it with where it is with the low risk Yep. because you don't know what Donald Trump's gonna do. Yeah. Absolutely. I just had a couple of small questions to kinda go through with you just to sort of assess the the the kind of risk tolerance you have as well. If you did look at your super over the next sort of six to twelve months and found it had fallen, like, say, 10 or 20 or 30% there due to what was happening in the world generally. How do you think that might be making you feel? Not very happy. No. Fair enough. Fair enough. Do you think you'd be wanting to try and put some money in, take advantage of the dip in the market, call us and have a bit of a chat about alternative options, or are you feeling like you wanna sort of cement the losses and move your funds? I'd sort of have a chat to you, people find out what's going on, Yep. and let it go from there. Yep.","start_word":1602,"end_word":1944,"sentiment":"neutral","sentiment_score":0.031234781711250974},{"text":"Yeah. Perfect. And the reason we sort of ask those questions is that it is a realistic view.","start_word":1945,"end_word":1962,"sentiment":"positive","sentiment_score":0.4242372512817383},{"text":"If you sort of think back to the ups and downs that we have seen in the market over the past twenty to thirty years, you've got things like the, you know, the .com bubble. You've got, you know, COVID times. The market did see a very large drop. And, also, thinking back to the early two the early two thousand sort of 08/09 period where we saw a very large crash then. So these are realistic views, and that's why we're just wanting to make sure that you're in a portfolio that can withstand the ups and downs that the market does provide and that you're Yep. able to stay within that portfolio and not cement the losses, not sell the investments until they provide you know, come through and go back up and provide you with those gains so they go through those downtimes, making sure we're not cementing losses. Yeah. Correct. Yeah. Correct. Correct. So it's really important that we do sort of have those conversations with you because we know markets can go up and down. We do know that, you know, certain things happen in the world in the market that is completely out of our control. And a lot of the market ups and downs that you do see is mostly people buying and selling because they're uncomfortable with what they're invested in there. And you're seeing something dropping or hearing something that makes them concerned, and they sell out. Because as human beings, we are very emotional creatures. We do things on a whim without thinking it through correctly, and a lot of the market is emotional reactions to what they're seeing and feeling and doing. So with you having me here, I'm here to how to help you prevent to make those emotional reactions, And you can talk to me and stress out at me and tell me all the things that you're feeling and hearing, and I will talk you through them. Okay? Yeah. Yeah. Yeah.","start_word":1963,"end_word":2297,"sentiment":"neutral","sentiment_score":-0.04342601128033738},{"text":"I'm Beautiful. I'm pretty I'm pretty happy. Perfect. Perfect.","start_word":2298,"end_word":2306,"sentiment":"positive","sentiment_score":0.6705597639083862},{"text":"Have you ever invested in your own name before in the past, or is super the only Yeah. sort of investment you've ever had? Super is the only one. Yep.","start_word":2307,"end_word":2336,"sentiment":"neutral","sentiment_score":0.08055578172206879},{"text":"Perfect.","start_word":2337,"end_word":2337,"sentiment":"positive","sentiment_score":0.3729179799556732},{"text":"I'm I'm sort of writing thinking you're trying to get the best return you possibly can out of your super. Yeah. With as little risk as possible. Yep. Yep. Perfect. And have you ever thought about borrowing from a bank or financial institution to invest or purchase property, or what's I've the got sort a of mortgage. thoughts on borrowing? I've Yep. got Your a mortgage. mortgage there. Yep. Yep. That's biggest financial sort of things I'd like to like to look at. Yep. Perfect. Perfect. And I can see with the mortgage there, your house, you've got a value on that of about 225,000. And the mortgage is roughly about 102,000 for paying that down nicely. You're fairly comfortable with how you're paying that down. Did you wanna look at refinancing or speaking to a mortgage broker in any way, shape, or form? No.","start_word":2338,"end_word":2482,"sentiment":"neutral","sentiment_score":0.13788054883480072},{"text":"I'm pretty happy the way it's going at the moment.","start_word":2483,"end_word":2492,"sentiment":"negative","sentiment_score":-0.341632217168808},{"text":"Yep. Yep. Perfect. That that Excellent. could change over the years. Yep. Absolutely. Well, if anything does, please do let us know. We do have access to mortgage brokers. They are on your side and that they're trying to get the best possible rates to help you pay your loans down as quickly possible. Yep. And they are paid directly by the bank, so there's no cost to yourself. And we can certainly refer you to someone that helps you along. Okay? Yep. That's not drama.","start_word":2493,"end_word":2578,"sentiment":"neutral","sentiment_score":0.20539256930351257},{"text":"Thanks. Perfect.","start_word":2579,"end_word":2580,"sentiment":"positive","sentiment_score":0.4712746143341065},{"text":"So from what I've sort of the conversation I've had, you're comfortable just sort of just moving those that investment out of there, removing the underperforming investment, doing a bit of an investment switch there. You're still comfortable staying within that balanced growth environment, not wanting to increase the risk level at the moment. Am I right in sort of where we're going with that one? Yep. Yeah.","start_word":2581,"end_word":2648,"sentiment":"neutral","sentiment_score":0.16726915538311005},{"text":"Beautiful.","start_word":2649,"end_word":2649,"sentiment":"positive","sentiment_score":0.5167859196662903},{"text":"I can also see here it's really important to note that you don't have any insurance cover paid out of your super fund. It does mean that in the event of you passing away, touch would it never it doesn't happen for a long time that you've got a long healthy life ahead of you. But your super benefit is all that would be paid out to your beneficiaries there. Are you fairly comfortable with that? You're not wanting to look at life cover? Yep. No. I don't want like life cover or any insurance. Got enough insurance as it is. Yep. That's okay. Not a problem at all. The other things to sort of talk about just to make sure you are fully aware is that you don't have any TPD, so nothing to still fall back on in the event of permanent incapacity. You can also apply for your super release on the permanent incapacity. It's something we would definitely have a look at for you, but it does mean that's all you would have to fall back on in the event of a claim. And once you are 60, if you are unable to go to work in the short term, we can also try to access your super to give you a benefit. But until you're 60, not having any income protection or trauma means in the event of a major diagnosis, there's no additional funds to fall back on in case you're not working. You're comfortable not having any of those covers. You just wanna focus on your super. Is that right? That's right. Yep.","start_word":2650,"end_word":2919,"sentiment":"neutral","sentiment_score":0.07656893879175186},{"text":"Beautiful. Perfect.","start_word":2920,"end_word":2921,"sentiment":"positive","sentiment_score":0.5197937488555908},{"text":"And I can see here state planning wise, with the in the event of something happening, where would you want your super to be paid to? What's who's your beneficiary that or that you would wanna have everything paid to? My daughter. Daughter.","start_word":2922,"end_word":2964,"sentiment":"neutral","sentiment_score":0.1084565743803978},{"text":"Perfect.","start_word":2965,"end_word":2965,"sentiment":"positive","sentiment_score":0.5734767913818359},{"text":"And I've got her name down here for you as Emily. Is that right? That's correct. Yeah.","start_word":2966,"end_word":2982,"sentiment":"neutral","sentiment_score":0.16353899240493774},{"text":"Perfect.","start_word":2983,"end_word":2983,"sentiment":"positive","sentiment_score":0.4677520394325256},{"text":"I'm just having a quick look at your supervisor to see if that is noted there. So just to kind of make sure I am doing everything correctly and giving you the information that you need, I can see she is nominated here as a beneficiary. Now Emily is she's not a tax dependent, is she? Over 18, over 25, and full working, looks after herself? Or She does. yep.","start_word":2984,"end_word":3053,"sentiment":"neutral","sentiment_score":0.10776204615831377},{"text":"Perfect.","start_word":3054,"end_word":3054,"sentiment":"positive","sentiment_score":0.3360881209373474},{"text":"So just to give you the information, if you were to pass away, the benefit can be paid to her. She is a beneficiary under the superannuation law. However, if you have it directed directly to her, she would then have to pay tax on the benefit. She pays tax on the taxable component. Are you happy with the way the beneficiary is structured having her nominated, or did you want me to maybe recommend altering that in a more tax efficient way for you? What would you prefer? No. I'm happy with that. Happy with that?","start_word":3055,"end_word":3151,"sentiment":"neutral","sentiment_score":0.057415056973695755},{"text":"Beautiful. Absolutely.","start_word":3152,"end_word":3153,"sentiment":"positive","sentiment_score":0.37613216042518616},{"text":"Well, what I'll do is I'll structure the updated advice for you just to switch out the investments. We'll keep you in line with the current portfolio. I'll make sure that you're still in line there. We might do a bit of a rebalance as well. I'll lift the CGT consequences to your fund there to keep more money invested for you. We'll Yep. scope out everything else for now, but we can always come back and have another sort of catch up down the track to see what else you'd like to do. Does that sound okay? Certainly. Yep. Beautiful. Have I touched on everything for you? Is there anything else you wanted me to touch on? Anything else you wanted to ask me No. there at all, Douglas? I'm pretty happy with that. Yep.","start_word":3154,"end_word":3289,"sentiment":"neutral","sentiment_score":0.13044798374176023},{"text":"Beautiful. Well, I will let you go. I thank you so much for your time today. We'll get cracking on that updated advice document.","start_word":3290,"end_word":3313,"sentiment":"positive","sentiment_score":0.49963247776031494},{"text":"Once we have it ready to go, I'll get you back in, and we will go through that together. Okay? Not a problem.","start_word":3314,"end_word":3336,"sentiment":"neutral","sentiment_score":0.3035145699977875},{"text":"Easy. Thank you so much for your time today. I hope you have a great afternoon. I hope the rain stops for you. Beautiful. Thank you so much for your time today.","start_word":3337,"end_word":3368,"sentiment":"positive","sentiment_score":0.7954906225204468},{"text":"If there's anything else you need, please don't ever hesitate to let me know. Okay?","start_word":3369,"end_word":3383,"sentiment":"neutral","sentiment_score":0.30969110131263733},{"text":"Not a problem. Thanks. Thanks. Enjoy your day. See you later. You too.","start_word":3384,"end_word":3396,"sentiment":"positive","sentiment_score":0.5547866225242615},{"text":"See you.","start_word":3397,"end_word":3398,"sentiment":"neutral","sentiment_score":0.32556477189064026}],"average":{"sentiment":"neutral","sentiment_score":0.10659592890106472}}}}