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Oh, no worries. Well, thank you for taking the time. Now I wanted oh, it would cut out. Okay. Well, I'll try to make sure I don't take up too much time so you're sitting in the car park for too long. Beautiful. Okay. So what I'll do is I've got a bit of a review pack that I'll send out to you. I'm just gonna go through quick security check with you, update some details, and then work out what kind of strategies we can look at for this next year. Now while that's coming through to you, I just wanted to double check for security. Now we do record all of our phone calls. Could I just check your date of birth and address, please? Yep. Perfect. Thank you so much for that. Now outside of my agenda of updating your details and touching on a few super ideas and the insurances and so on, Is there anything in particular you're hoping to get out of this review? Absolutely. Oh, nice. Okay. Cool. So let's start there. I had you doing customer service for Belgravia. Royal Shire Council. Amazing. And what are you doing for the council? Total quality coordinator. Sounds very responsible. Never is, is it? Systems up to standard. Alrighty. And do you do any kind of managerial work, or is it mainly just office office based single role? Beautiful. And is that part time? Yep. So can can increase with specific projects. And based on that base income, what would the yearly or weekly fortnightly income look like before tax? $8.55 a week, was it? Yep. Alright. $8.55 gross per week. Could be a little bit more with project overtime. Fortnightly. Thank you for clarifying that. Fortnightly gross and then obviously a bit of top up if it's project related. So outside of that, we'll go with the $22.02 30 as a minimum. Perfect. Alright. Got that updated. Thank you. Just quickly in terms of assets and liabilities, we had your sorry. Was that previous home there? Let me have a quick look. I've got 24 Mile Street valued at 500,000. Yeah. That was sold. Yep. And then did you buy the current residence? There we go. Perfect. Okay. So four properties sold three. Moved into the rental. That's amazing. So I've just got this new system, and we've merged all your data across. And I'm staring at, like, four of them, and I'm just trying to make sure I've got it lined up. So for the current property, do you have anything owing on it, or is it all just cleared now because of the sales? Perfect. So what I might do is I'll put that as your primary residence now, and let me just grab this. I was just gonna do a quick updated online evaluation unless you've got an idea of what it's looking like these days. Yep. Gotcha. Market's changed a little bit. Alright. So that one's on now. I'll put 400 for now. It's not gonna be too much of an issue. And there was please forgive me for this. So we had a number of vehicles listed. So it was just a I'll run through them. We have a caravan and a boat, tractor. Perfect. Two utes and a Ford. Perfect. We had about $6 in savings and about a 150,000 in term deposits. Perfect. Perfect. K. Yep. Awesome. Or I'll put 9.5 in there for now. Amazing. So that actually really helps the conversation around retirement. Often people ask me, why do you need to know about my term deposits and my properties and all this kind of thing? And it's for exactly this conversation. Because with the super so you're in a growth portfolio with BT Panorama, and it's essentially like a four out of five on the risk scale. Around 80% of your money is in growth assets, shares in property and gold. 20% is in the safer side of things. Now with that growth portfolio, normally, you wanna have around about seven to nine years before retirement to take on that level of risk to get that level of return. We sorry? There we go. So when it comes to the growth of the funds in the background, the question is, because you've got that preservation age at 60, how much do we wanna focus on going for as much growth as possible to build that up from 300,000 to 4, five, 6, and beyond? And versus how much do we need to kind of protect that for any uses that you may need it for? Yeah. Exactly. So what I was thinking leading into this conversation was whether we step it down a little bit in the risk level. Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%. But in a growth portfolio, that could be 15 or 20% if we had a big global financial crisis again. Yeah. So what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year. So you haven't lost anything, but it could do that in the next twelve months or so. So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile? Will we go from 80% to 70%, or do we go a lot further than that and not really focus as much on growing it? Yes. Yes. So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest. Yep. And it's not that critical that if something really bad happened, you could maybe hold on for a couple of years before having to pull it all out kind of thing. Yeah. So we just focus on protection now, bit of moderate growth. And then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just let it sit there nice and safe. Cool. Alright. That's perfect. They're very persuasive and polite. Yep. Yep. Yeah. And when that happens, do we have a bit of an idea on how like, what I wanna do is basically update a little projection for you and say let's say day dot 60 happens and you need to do that. How long will the funds last with a certain drawdown? Do you have a bit of an an amount in mind? A lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days. Yeah. Yeah. Yeah. And with the 13 100 a fortnight, is that so what type of pension is it? Is it carer's pension, job seeker type? Yeah. Yes. Yeah. So I'll I'll update in the next plan that I've sent through to you. But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted. Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy. You'd be talking somewhere in the nineties before the funds run out just from the super, not taking into account contributing anything from the term deposit to kind of fill out a pension account or anything. So do you want me to kinda just go for for income replacement for what you're earning now? And that's what I'm sort of thinking is if I go with those drawdowns, rather than just going fully defensive to just protect the 300,000 and then drop that out to you, the moderate is gonna get you that little bit of extra growth to keep up with inflation and then maintain that level of income for quite a while. Sound good for you? Perfect. Alright. When we hit 60, we'll have another conversation about what type of account to switch it into. If you're still working, we leave it alone. If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out. So when the time comes, I'll kind of be ready to pull the trigger on that. Perfect. So that'll be the main thing. I am gonna update your portfolio a little bit. Been talking with Barton Sevvy and the investment committee. Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out. Would you be okay for me to kind of look for some lower fee investments as we go a bit more defensive? Yep. Cool. We kind of call them bit bit more passive index funds, which means lower fees, bit more consistent in the returns rather than trying to chase for shooting the lights out. Alrighty. In terms of estate planning and everything, we do have that you guys have the advanced health care directive, Peter. You've got a will in place, the beneficiary nomination, so that's all looking good. I'm assuming we're not looking for anything insurance related, like life insurance anything to add on. No. Awesome. Outside of that, any major goals or priorities for the next two to five years for you? Yeah. Yep. Oh, you're quite close to Enviro at the moment. Oh, wow. I used to go out there camping with my dad to go fossicking for sapphires and topaz. Oh, wow. Yeah. Cool. Alrighty. So I've pretty much got everything I need to go and do some research. What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born. So I'm just getting on a bit of leave. Thank you. Number three, my boys are smitten. I'm basically gonna yes. Yes. We did. We wouldn't have been Yes. We did. We wouldn't have been disappointed with three boys, but it was it was lucky that we got it there in the end. So the family is now completed. Congrats. I'm gonna get the team to kind of update the new portfolio just while I'm away. And then as soon as I come back, we'll book you in, and I'll walk you through the document. And then I can alter everything if you're happy with it. Awesome. Any questions for me before I let you go? Cool. Just a bit of a heads up that the pack that I sent you to the email, it has your, super summary. It's got your NEOS certificate of currency there as well. I needed to just quickly ask you about your NEOS insurance. You've got 300,000 worth of life and disability insurance. It's creeping up. It's kind of sitting around that 2.5 to 3,000 mark. And over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the next seven years. So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now? It's usually based on needs, to be honest. And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for. Because TPD insurance, that would be 300,000. Like, if you fell into a similar situation and you could, you know, renovate the home and and all that kind of thing. Life insurance if you passed away, normally, to clear mortgages and assist in the the partner. So would that be helpful for Peter if you passed away? Yep. Yeah. Yep. Yeah. Oh. Yep. Bit of peace of mind for the next couple of years until you don't need it anymore. Yep. Awesome. And just bear in mind too that we can do a similar situation. If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight. Something similar can be set up as well. So we would do our best, and we would assist with any insurance claims as well. So I don't know if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance. So please just bear that in mind. Cool. Alright, Julie. Well, let us know straight away. Yep. Absolutely. Actually, I don't know if he's gone home yet, but yeah. About to go home. That's fine. I do have a consent agreement as well for BT Panorama to be remaining as your advisers. Same agreement as last time, 1.65% spread through the year, and that has a bit of a reference date, 08/01/2027. Perfect. Any questions for me before I let you go? Awesome. I appreciate you sitting in the car park having this conversation with me. It was very, very helpful. I would love nothing more than to go and drop the risk level of your portfolio. So leave it with me, and as soon as I get back, we will run through it together and get that sorted. Thanks, 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Eileen. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? I'm doing absolutely fantastic. It's been a beautiful start to the week.\n\nWhat about your end? End? Oh, no worries. Well, thank you for taking the time. Now I wanted oh, it would cut out.\n\nOkay. Well, I'll try to make sure I don't take up too much time so you're sitting in the car park for too long. Beautiful. Okay. So what I'll do is I've got a bit of a review pack that I'll send out to you.\n\nI'm just gonna go through quick security check with you, update some details, and then work out what kind of strategies we can look at for this next year. Now while that's coming through to you, I just wanted to double check for security. Now we do record all of our phone calls. Could I just check your date of birth and address, please? Yep.\n\nPerfect. Thank you so much for that. Now outside of my agenda of updating your details and touching on a few super ideas and the insurances and so on, Is there anything in particular you're hoping to get out of this review? Absolutely. Oh, nice.\n\nOkay. Cool. So let's start there. I had you doing customer service for Belgravia. Royal Shire Council.\n\nAmazing. And what are you doing for the council? Total quality coordinator. Sounds very responsible. Never is, is it?\n\nSystems up to standard. Alrighty. And do you do any kind of managerial work, or is it mainly just office office based single role? Beautiful. And is that part time?\n\nYep. So can can increase with specific projects. And based on that base income, what would the yearly or weekly fortnightly income look like before tax? $8.55 a week, was it? Yep.\n\nAlright. $8.55 gross per week. Could be a little bit more with project overtime. Fortnightly. Thank you for clarifying that.\n\nFortnightly gross and then obviously a bit of top up if it's project related. So outside of that, we'll go with the $22.02 30 as a minimum. Perfect. Alright. Got that updated.\n\nThank you. Just quickly in terms of assets and liabilities, we had your sorry. Was that previous home there? Let me have a quick look. I've got 24 Mile Street valued at 500,000.\n\nYeah. That was sold. Yep. And then did you buy the current residence? There we go.\n\nPerfect. Okay. So four properties sold three. Moved into the rental. That's amazing.\n\nSo I've just got this new system, and we've merged all your data across. And I'm staring at, like, four of them, and I'm just trying to make sure I've got it lined up. So for the current property, do you have anything owing on it, or is it all just cleared now because of the sales? Perfect. So what I might do is I'll put that as your primary residence now, and let me just grab this.\n\nI was just gonna do a quick updated online evaluation unless you've got an idea of what it's looking like these days. Yep. Gotcha. Market's changed a little bit. Alright.\n\nSo that one's on now. I'll put 400 for now. It's not gonna be too much of an issue. And there was please forgive me for this. So we had a number of vehicles listed.\n\nSo it was just a I'll run through them. We have a caravan and a boat, tractor. Perfect. Two utes and a Ford. Perfect.\n\nWe had about $6 in savings and about a 150,000 in term deposits. Perfect. Perfect. K. Yep.\n\nAwesome. Or I'll put 9.5 in there for now. Amazing. So that actually really helps the conversation around retirement. Often people ask me, why do you need to know about my term deposits and my properties and all this kind of thing?\n\nAnd it's for exactly this conversation. Because with the super so you're in a growth portfolio with BT Panorama, and it's essentially like a four out of five on the risk scale. Around 80% of your money is in growth assets, shares in property and gold. 20% is in the safer side of things. Now with that growth portfolio, normally, you wanna have around about seven to nine years before retirement to take on that level of risk to get that level of return.\n\nWe sorry? There we go. So when it comes to the growth of the funds in the background, the question is, because you've got that preservation age at 60, how much do we wanna focus on going for as much growth as possible to build that up from 300,000 to 4, five, 6, and beyond? And versus how much do we need to kind of protect that for any uses that you may need it for? Yeah.\n\nExactly. So what I was thinking leading into this conversation was whether we step it down a little bit in the risk level. Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%. But in a growth portfolio, that could be 15 or 20% if we had a big global financial crisis again. Yeah.\n\nSo what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year. So you haven't lost anything, but it could do that in the next twelve months or so. So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile? Will we go from 80% to 70%, or do we go a lot further than that and not really focus as much on growing it? Yes.\n\nYes. So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest. Yep. And it's not that critical that if something really bad happened, you could maybe hold on for a couple of years before having to pull it all out kind of thing. Yeah.\n\nSo we just focus on protection now, bit of moderate growth. And then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just let it sit there nice and safe. Cool. Alright. That's perfect.\n\nThey're very persuasive and polite. Yep. Yep. Yeah. And when that happens, do we have a bit of an idea on how like, what I wanna do is basically update a little projection for you and say let's say day dot 60 happens and you need to do that.\n\nHow long will the funds last with a certain drawdown? Do you have a bit of an an amount in mind? A lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days. Yeah.\n\nYeah. Yeah. And with the 13 100 a fortnight, is that so what type of pension is it? Is it carer's pension, job seeker type? Yeah.\n\nYes. Yeah. So I'll I'll update in the next plan that I've sent through to you. But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted. Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy.\n\nYou'd be talking somewhere in the nineties before the funds run out just from the super, not taking into account contributing anything from the term deposit to kind of fill out a pension account or anything. So do you want me to kinda just go for for income replacement for what you're earning now? And that's what I'm sort of thinking is if I go with those drawdowns, rather than just going fully defensive to just protect the 300,000 and then drop that out to you, the moderate is gonna get you that little bit of extra growth to keep up with inflation and then maintain that level of income for quite a while. Sound good for you? Perfect.\n\nAlright. When we hit 60, we'll have another conversation about what type of account to switch it into. If you're still working, we leave it alone. If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out. So when the time comes, I'll kind of be ready to pull the trigger on that.\n\nPerfect. So that'll be the main thing. I am gonna update your portfolio a little bit. Been talking with Barton Sevvy and the investment committee. Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out.\n\nWould you be okay for me to kind of look for some lower fee investments as we go a bit more defensive? Yep. Cool. We kind of call them bit bit more passive index funds, which means lower fees, bit more consistent in the returns rather than trying to chase for shooting the lights out. Alrighty.\n\nIn terms of estate planning and everything, we do have that you guys have the advanced health care directive, Peter. You've got a will in place, the beneficiary nomination, so that's all looking good. I'm assuming we're not looking for anything insurance related, like life insurance anything to add on. No. Awesome.\n\nOutside of that, any major goals or priorities for the next two to five years for you? Yeah. Yep. Oh, you're quite close to Enviro at the moment. Oh, wow.\n\nI used to go out there camping with my dad to go fossicking for sapphires and topaz. Oh, wow. Yeah. Cool. Alrighty.\n\nSo I've pretty much got everything I need to go and do some research. What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born. So I'm just getting on a bit of leave. Thank you. Number three, my boys are smitten.\n\nI'm basically gonna yes. Yes. We did. We wouldn't have been Yes. We did.\n\nWe wouldn't have been disappointed with three boys, but it was it was lucky that we got it there in the end. So the family is now completed. Congrats. I'm gonna get the team to kind of update the new portfolio just while I'm away. And then as soon as I come back, we'll book you in, and I'll walk you through the document.\n\nAnd then I can alter everything if you're happy with it. Awesome. Any questions for me before I let you go? Cool. Just a bit of a heads up that the pack that I sent you to the email, it has your, super summary.\n\nIt's got your NEOS certificate of currency there as well. I needed to just quickly ask you about your NEOS insurance. You've got 300,000 worth of life and disability insurance. It's creeping up. It's kind of sitting around that 2.5 to 3,000 mark.\n\nAnd over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the next seven years. So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now? It's usually based on needs, to be honest. And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for. Because TPD insurance, that would be 300,000.\n\nLike, if you fell into a similar situation and you could, you know, renovate the home and and all that kind of thing. Life insurance if you passed away, normally, to clear mortgages and assist in the the partner. So would that be helpful for Peter if you passed away? Yep. Yeah.\n\nYep. Yeah. Oh. Yep. Bit of peace of mind for the next couple of years until you don't need it anymore.\n\nYep. Awesome. And just bear in mind too that we can do a similar situation. If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight. Something similar can be set up as well.\n\nSo we would do our best, and we would assist with any insurance claims as well. So I don't know if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance. So please just bear that in mind. Cool. Alright, Julie.\n\nWell, let us know straight away. Yep. Absolutely. Actually, I don't know if he's gone home yet, but yeah. About to go home.\n\nThat's fine. I do have a consent agreement as well for BT Panorama to be remaining as your advisers. Same agreement as last time, 1.65% spread through the year, and that has a bit of a reference date, 08/01/2027. Perfect. Any questions for me before I let you go?\n\nAwesome. I appreciate you sitting in the car park having this conversation with me. It was very, very helpful. I would love nothing more than to go and drop the risk level of your portfolio. So leave it with me, and as soon as I get back, we will run through it together and get that sorted.\n\nThanks, Bye.","paragraphs":[{"sentences":[{"text":"Hi, Eileen.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.1142304316163063},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.84,"end":6.48,"sentiment":"neutral","sentiment_score":0.1341988854110241},{"text":"How are you doing today?","start":6.48,"end":7.62,"sentiment":"neutral","sentiment_score":0.12903689444065095},{"text":"I'm doing absolutely fantastic.","start":9.44,"end":11.139999,"sentiment":"positive","sentiment_score":0.8130054324865341},{"text":"It's been a beautiful start to the week.","start":11.2,"end":12.799999,"sentiment":"positive","sentiment_score":0.8106108158826828}],"sentiment":"positive","sentiment_score":0.43274609910117257,"num_words":27,"start":3.04,"end":12.799999},{"sentences":[{"text":"What about your end?","start":12.799999,"end":13.635,"sentiment":"neutral","sentiment_score":0.13485756516456604},{"text":"End?","start":19.475,"end":19.875,"sentiment":"neutral","sentiment_score":-0.0031554419547319412},{"text":"Oh, no worries.","start":19.875,"end":20.675,"sentiment":"neutral","sentiment_score":-0.03406038445731004},{"text":"Well, thank you for taking the time.","start":20.675,"end":22.455,"sentiment":"neutral","sentiment_score":0.012987187930515834},{"text":"Now I wanted oh, it would cut out.","start":24.675,"end":30.05,"sentiment":"neutral","sentiment_score":-0.26188436336815357}],"sentiment":"neutral","sentiment_score":-0.06826395330869633,"num_words":23,"start":12.799999,"end":30.05},{"sentences":[{"text":"Okay.","start":30.91,"end":31.41,"sentiment":"neutral","sentiment_score":-0.04658619314432144},{"text":"Well, I'll try to make sure I don't take up too much time so you're sitting in the car park for too long.","start":31.55,"end":36.129997,"sentiment":"neutral","sentiment_score":-0.10898403839572617},{"text":"Beautiful.","start":40.59,"end":41.09,"sentiment":"positive","sentiment_score":0.350922554731369},{"text":"Okay.","start":41.23,"end":41.685,"sentiment":"neutral","sentiment_score":0.1199040710926056},{"text":"So what I'll do is I've got a bit of a review pack that I'll send out to you.","start":41.845,"end":46.025,"sentiment":"neutral","sentiment_score":0.08346373607453547}],"sentiment":"neutral","sentiment_score":-0.011035143666797214,"num_words":45,"start":30.91,"end":46.025},{"sentences":[{"text":"I'm just gonna go through quick security check with you, update some details, and then work out what kind of strategies we can look at for this next year.","start":46.325,"end":55.145,"sentiment":"neutral","sentiment_score":0.08414916154639475},{"text":"Now while that's coming through to you, I just wanted to double check for security.","start":55.579998,"end":60.8,"sentiment":"neutral","sentiment_score":0.025278219083944956},{"text":"Now we do record all of our phone calls.","start":61.18,"end":63.519997,"sentiment":"neutral","sentiment_score":0.0283781039632029},{"text":"Could I just check your date of birth and address, please?","start":63.579998,"end":66.64,"sentiment":"neutral","sentiment_score":0.010843911589207974},{"text":"Yep.","start":69.899994,"end":70.155,"sentiment":"neutral","sentiment_score":0.006396071519702673}],"sentiment":"neutral","sentiment_score":0.049239707781145205,"num_words":65,"start":46.325,"end":70.155},{"sentences":[{"text":"Perfect.","start":75.115,"end":75.595,"sentiment":"neutral","sentiment_score":0.30192461609840393},{"text":"Thank you so much for that.","start":75.595,"end":77.034996,"sentiment":"positive","sentiment_score":0.3814477821191152},{"text":"Now outside of my agenda of updating your details and touching on a few super ideas and the insurances and so on, Is there anything in particular you're hoping to get out of this review?","start":77.034996,"end":88.29,"sentiment":"neutral","sentiment_score":-0.021894912953887666},{"text":"Absolutely.","start":101.035,"end":101.535,"sentiment":"neutral","sentiment_score":-0.006263443268835545},{"text":"Oh, nice.","start":103.595,"end":104.155,"sentiment":"neutral","sentiment_score":0.05549473688006401}],"sentiment":"neutral","sentiment_score":0.04286700857596265,"num_words":45,"start":75.115,"end":104.155},{"sentences":[{"text":"Okay.","start":104.155,"end":104.395,"sentiment":"neutral","sentiment_score":0.04081274569034576},{"text":"Cool.","start":104.395,"end":104.795,"sentiment":"neutral","sentiment_score":0.0504898689687252},{"text":"So let's start there.","start":104.795,"end":106.495,"sentiment":"neutral","sentiment_score":0.029062611516565084},{"text":"I had you doing customer service for Belgravia.","start":106.555,"end":110.255,"sentiment":"neutral","sentiment_score":-0.0027507672493811697},{"text":"Royal Shire Council.","start":115.755,"end":117.200005,"sentiment":"neutral","sentiment_score":-0.011341132534046968}],"sentiment":"neutral","sentiment_score":0.008913148536949474,"num_words":17,"start":104.155,"end":117.200005},{"sentences":[{"text":"Amazing.","start":117.98,"end":118.48,"sentiment":"positive","sentiment_score":0.5987917184829712},{"text":"And what are you doing for the council?","start":118.62,"end":120.8,"sentiment":"neutral","sentiment_score":0.21501820161938667},{"text":"Total quality coordinator.","start":125.42,"end":127.04,"sentiment":"neutral","sentiment_score":0.16067694624265036},{"text":"Sounds very responsible.","start":127.66,"end":140.935,"sentiment":"neutral","sentiment_score":0.2412260870138804},{"text":"Never is, is it?","start":144.29,"end":145.51,"sentiment":"neutral","sentiment_score":-0.003150281496345997}],"sentiment":"neutral","sentiment_score":0.18484448974854067,"num_words":19,"start":117.98,"end":145.51},{"sentences":[{"text":"Systems up to standard.","start":147.56999,"end":149.51,"sentiment":"neutral","sentiment_score":-0.07457545306533575},{"text":"Alrighty.","start":149.97,"end":150.45,"sentiment":"neutral","sentiment_score":0.024700507521629333},{"text":"And do you do any kind of managerial work, or is it mainly just office office based single role?","start":150.45,"end":155.045,"sentiment":"neutral","sentiment_score":0.0003786011549987291},{"text":"Beautiful.","start":168.625,"end":169.125,"sentiment":"positive","sentiment_score":0.39831769466400146},{"text":"And is that part time?","start":169.185,"end":179.98,"sentiment":"neutral","sentiment_score":0.08719726726412773}],"sentiment":"neutral","sentiment_score":0.018929871606330077,"num_words":30,"start":147.56999,"end":179.98},{"sentences":[{"text":"Yep.","start":192.935,"end":193.33499,"sentiment":"neutral","sentiment_score":0.06490211188793182},{"text":"So can can increase with specific projects.","start":193.33499,"end":197.275,"sentiment":"neutral","sentiment_score":0.09230557030865125},{"text":"And based on that base income, what would the yearly or weekly fortnightly income look like before tax?","start":197.63,"end":204.93,"sentiment":"neutral","sentiment_score":0.033170535436107054},{"text":"$8.55 a week, was it?","start":215.965,"end":217.745,"sentiment":"neutral","sentiment_score":0.00630808575078845},{"text":"Yep.","start":220.125,"end":220.525,"sentiment":"neutral","sentiment_score":0.024104474112391472}],"sentiment":"neutral","sentiment_score":0.042617363898898475,"num_words":32,"start":192.935,"end":220.525},{"sentences":[{"text":"Alright.","start":220.525,"end":220.925,"sentiment":"neutral","sentiment_score":0.02533571980893612},{"text":"$8.55 gross per week.","start":220.925,"end":223.08,"sentiment":"neutral","sentiment_score":0.002120618475601077},{"text":"Could be a little bit more with project overtime.","start":223.24,"end":225.34,"sentiment":"neutral","sentiment_score":-0.06122210973666774},{"text":"Fortnightly.","start":226.92,"end":227.42,"sentiment":"neutral","sentiment_score":0.003537085372954607},{"text":"Thank you for clarifying that.","start":227.96,"end":229.9,"sentiment":"neutral","sentiment_score":0.16365438215434552}],"sentiment":"neutral","sentiment_score":0.015231410111300647,"num_words":20,"start":220.525,"end":229.9},{"sentences":[{"text":"Fortnightly gross and then obviously a bit of top up if it's project related.","start":230.04001,"end":234.7,"sentiment":"neutral","sentiment_score":-0.005238334315695933},{"text":"So outside of that, we'll go with the $22.02 30 as a minimum.","start":235.0,"end":240.605,"sentiment":"neutral","sentiment_score":0.01828878831404906},{"text":"Perfect.","start":242.585,"end":243.085,"sentiment":"positive","sentiment_score":0.4108953475952149},{"text":"Alright.","start":243.30501,"end":243.785,"sentiment":"neutral","sentiment_score":0.2315947711467743},{"text":"Got that updated.","start":243.785,"end":244.845,"sentiment":"positive","sentiment_score":0.3423989911874135}],"sentiment":"neutral","sentiment_score":0.05731577062397264,"num_words":32,"start":230.04001,"end":244.845},{"sentences":[{"text":"Thank you.","start":244.985,"end":245.80501,"sentiment":"positive","sentiment_score":0.5228269696235657},{"text":"Just quickly in terms of assets and liabilities, we had your sorry.","start":246.825,"end":255.33,"sentiment":"neutral","sentiment_score":0.019247676245868206},{"text":"Was that previous home there?","start":255.33,"end":257.09,"sentiment":"neutral","sentiment_score":-0.047664372622966765},{"text":"Let me have a quick look.","start":257.09,"end":257.97,"sentiment":"neutral","sentiment_score":-0.009620830261458954},{"text":"I've got 24 Mile Street valued at 500,000.","start":257.97,"end":262.05002,"sentiment":"neutral","sentiment_score":-0.02267883875174448}],"sentiment":"neutral","sentiment_score":0.024216621196969892,"num_words":33,"start":244.985,"end":262.05002},{"sentences":[{"text":"Yeah.","start":262.05002,"end":262.21,"sentiment":"neutral","sentiment_score":-0.021429765969514847},{"text":"That was sold.","start":262.21,"end":263.11002,"sentiment":"neutral","sentiment_score":-0.04003207633892695},{"text":"Yep.","start":267.715,"end":268.195,"sentiment":"neutral","sentiment_score":0.005324660800397396},{"text":"And then did you buy the current residence?","start":268.195,"end":272.855,"sentiment":"neutral","sentiment_score":-0.012097972095943987},{"text":"There we go.","start":278.675,"end":279.27,"sentiment":"neutral","sentiment_score":-0.04313632597525915}],"sentiment":"neutral","sentiment_score":-0.022649630554951727,"num_words":16,"start":262.05002,"end":279.27},{"sentences":[{"text":"Perfect.","start":288.47,"end":288.94998,"sentiment":"neutral","sentiment_score":0.1806470900774002},{"text":"Okay.","start":288.94998,"end":289.34998,"sentiment":"neutral","sentiment_score":0.07703392207622528},{"text":"So four properties sold three.","start":289.34998,"end":291.12997,"sentiment":"neutral","sentiment_score":0.05004748776555061},{"text":"Moved into the rental.","start":296.325,"end":297.70502,"sentiment":"neutral","sentiment_score":0.16760415583848953},{"text":"That's amazing.","start":297.92502,"end":298.645,"sentiment":"positive","sentiment_score":0.6654213666915894}],"sentiment":"neutral","sentiment_score":0.19301367751680887,"num_words":13,"start":288.47,"end":298.645},{"sentences":[{"text":"So I've just got this new system, and we've merged all your data across.","start":298.645,"end":302.405,"sentiment":"neutral","sentiment_score":0.26452136784791946},{"text":"And I'm staring at, like, four of them, and I'm just trying to make sure I've got it lined up.","start":302.405,"end":306.52,"sentiment":"neutral","sentiment_score":0.07594533301889897},{"text":"So for the current property, do you have anything owing on it, or is it all just cleared now because of the sales?","start":308.09998,"end":313.15997,"sentiment":"neutral","sentiment_score":-0.010759164619704952},{"text":"Perfect.","start":316.41998,"end":316.81998,"sentiment":"neutral","sentiment_score":0.21084994077682495},{"text":"So what I might do is I'll put that as your primary residence now, and let me just grab this.","start":316.81998,"end":323.13498,"sentiment":"neutral","sentiment_score":0.05800458081066608}],"sentiment":"neutral","sentiment_score":0.08135495616648442,"num_words":78,"start":298.645,"end":323.13498},{"sentences":[{"text":"I was just gonna do a quick updated online evaluation unless you've got an idea of what it's looking like these days.","start":323.195,"end":328.735,"sentiment":"neutral","sentiment_score":-0.008953273762017488},{"text":"Yep.","start":341.93,"end":342.41,"sentiment":"neutral","sentiment_score":-0.06304018199443817},{"text":"Gotcha.","start":342.41,"end":342.91,"sentiment":"neutral","sentiment_score":-0.03774913400411606},{"text":"Market's changed a little bit.","start":343.13,"end":345.59503,"sentiment":"neutral","sentiment_score":-0.05816770419478416},{"text":"Alright.","start":346.135,"end":346.535,"sentiment":"neutral","sentiment_score":0.02395634353160858}],"sentiment":"neutral","sentiment_score":-0.01882145054017504,"num_words":30,"start":323.195,"end":346.535},{"sentences":[{"text":"So that one's on now.","start":346.535,"end":347.45502,"sentiment":"neutral","sentiment_score":0.0156709011644125},{"text":"I'll put 400 for now.","start":347.45502,"end":348.61502,"sentiment":"neutral","sentiment_score":0.03867381662130356},{"text":"It's not gonna be too much of an issue.","start":348.61502,"end":350.475,"sentiment":"neutral","sentiment_score":-0.04890660982992914},{"text":"And there was please forgive me for this.","start":351.17502,"end":354.05502,"sentiment":"neutral","sentiment_score":-0.09779988322407007},{"text":"So we had a number of vehicles listed.","start":354.05502,"end":356.07,"sentiment":"neutral","sentiment_score":-0.022527862573042512}],"sentiment":"neutral","sentiment_score":-0.03231593902621951,"num_words":35,"start":346.535,"end":356.07},{"sentences":[{"text":"So it was just a I'll run through them.","start":356.07,"end":358.57,"sentiment":"neutral","sentiment_score":-0.0017139559301237266},{"text":"We have a caravan and a boat, tractor.","start":358.63,"end":362.97,"sentiment":"neutral","sentiment_score":0.03172088926658034},{"text":"Perfect.","start":366.71,"end":367.21,"sentiment":"positive","sentiment_score":0.3553566038608551},{"text":"Two utes and a Ford.","start":367.99,"end":369.255,"sentiment":"neutral","sentiment_score":0.1365678071975708},{"text":"Perfect.","start":371.575,"end":372.075,"sentiment":"positive","sentiment_score":0.5639009475708008}],"sentiment":"neutral","sentiment_score":0.0766849207575433,"num_words":24,"start":356.07,"end":372.075},{"sentences":[{"text":"We had about $6 in savings and about a 150,000 in term deposits.","start":372.695,"end":377.035,"sentiment":"neutral","sentiment_score":0.19707236610926115},{"text":"Perfect.","start":381.17502,"end":381.54,"sentiment":"positive","sentiment_score":0.5867709517478943},{"text":"Perfect.","start":384.02002,"end":384.52002,"sentiment":"positive","sentiment_score":0.5335550308227539},{"text":"K.","start":385.06,"end":385.56,"sentiment":"neutral","sentiment_score":0.16073647141456604},{"text":"Yep.","start":387.62,"end":388.12,"sentiment":"neutral","sentiment_score":0.14488664269447327}],"sentiment":"neutral","sentiment_score":0.23458175624118133,"num_words":17,"start":372.695,"end":388.12},{"sentences":[{"text":"Awesome.","start":392.9,"end":393.4,"sentiment":"positive","sentiment_score":0.4485580325126648},{"text":"Or I'll put 9.5 in there for now.","start":397.06,"end":399.235,"sentiment":"neutral","sentiment_score":0.23351781629025936},{"text":"Amazing.","start":399.455,"end":399.955,"sentiment":"positive","sentiment_score":0.6822181940078735},{"text":"So that actually really helps the conversation around retirement.","start":400.01498,"end":402.835,"sentiment":"positive","sentiment_score":0.4499375820159912},{"text":"Often people ask me, why do you need to know about my term deposits and my properties and all this kind of thing?","start":402.895,"end":408.175,"sentiment":"neutral","sentiment_score":0.021855048673308414}],"sentiment":"neutral","sentiment_score":0.17978626463030065,"num_words":42,"start":392.9,"end":408.175},{"sentences":[{"text":"And it's for exactly this conversation.","start":408.175,"end":409.875,"sentiment":"neutral","sentiment_score":0.04746088261405627},{"text":"Because with the super so you're in a growth portfolio with BT Panorama, and it's essentially like a four out of five on the risk scale.","start":410.81497,"end":421.41,"sentiment":"neutral","sentiment_score":0.015822658207840644},{"text":"Around 80% of your money is in growth assets, shares in property and gold.","start":421.63,"end":427.035,"sentiment":"neutral","sentiment_score":0.025957961034561907},{"text":"20% is in the safer side of things.","start":427.435,"end":429.615,"sentiment":"neutral","sentiment_score":0.05249542696401477},{"text":"Now with that growth portfolio, normally, you wanna have around about seven to nine years before retirement to take on that level of risk to get that level of return.","start":430.315,"end":441.71,"sentiment":"neutral","sentiment_score":0.038162411314745744}],"sentiment":"neutral","sentiment_score":0.03124287641341133,"num_words":84,"start":408.175,"end":441.71},{"sentences":[{"text":"We sorry?","start":444.57,"end":445.23,"sentiment":"neutral","sentiment_score":-0.08719971403479576},{"text":"There we go.","start":450.97,"end":451.93,"sentiment":"neutral","sentiment_score":-0.04945669571558634},{"text":"So when it comes to the growth of the funds in the background, the question is, because you've got that preservation age at 60, how much do we wanna focus on going for as much growth as possible to build that up from 300,000 to 4, five, 6, and beyond?","start":451.93,"end":468.745,"sentiment":"neutral","sentiment_score":0.004597250130027533},{"text":"And versus how much do we need to kind of protect that for any uses that you may need it for?","start":469.18,"end":475.19998,"sentiment":"neutral","sentiment_score":-0.022299297420041903},{"text":"Yeah.","start":480.3,"end":480.8,"sentiment":"neutral","sentiment_score":-0.08142517507076263}],"sentiment":"neutral","sentiment_score":-0.008345680903982033,"num_words":77,"start":444.57,"end":480.8},{"sentences":[{"text":"Exactly.","start":483.58,"end":484.08,"sentiment":"neutral","sentiment_score":0.014296552166342735},{"text":"So what I was thinking leading into this conversation was whether we step it down a little bit in the risk level.","start":484.22,"end":490.035,"sentiment":"neutral","sentiment_score":-0.011446051807566122},{"text":"Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%.","start":490.175,"end":498.89,"sentiment":"neutral","sentiment_score":-0.17166709119365328},{"text":"But in a growth portfolio, that could be 15 or 20% if we had a big global financial crisis again.","start":498.95,"end":506.41,"sentiment":"neutral","sentiment_score":-0.18673672508448363},{"text":"Yeah.","start":511.375,"end":511.775,"sentiment":"neutral","sentiment_score":-0.08393798768520355}],"sentiment":"neutral","sentiment_score":-0.11786458449294934,"num_words":65,"start":483.58,"end":511.775},{"sentences":[{"text":"So what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year.","start":511.775,"end":520.415,"sentiment":"neutral","sentiment_score":-0.19887082474796394},{"text":"So you haven't lost anything, but it could do that in the next twelve months or so.","start":520.415,"end":527.66,"sentiment":"neutral","sentiment_score":-0.19547489318339265},{"text":"So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile?","start":527.66,"end":534.77997,"sentiment":"neutral","sentiment_score":-0.06954222988514673},{"text":"Will we go from 80% to 70%, or do we go a lot further than that and not really focus as much on growing it?","start":534.77997,"end":551.445,"sentiment":"neutral","sentiment_score":-0.09397371888160705},{"text":"Yes.","start":565.04,"end":565.275,"sentiment":"neutral","sentiment_score":-0.050173304975032806}],"sentiment":"neutral","sentiment_score":-0.1445104669523882,"num_words":102,"start":511.775,"end":565.275},{"sentences":[{"text":"Yes.","start":574.79504,"end":575.29504,"sentiment":"neutral","sentiment_score":-0.0034878812730312347},{"text":"So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest.","start":575.435,"end":595.485,"sentiment":"neutral","sentiment_score":0.02642579130347698},{"text":"Yep.","start":602.925,"end":603.425,"sentiment":"neutral","sentiment_score":0.04481436684727669},{"text":"And it's not that critical that if something really bad happened, you could maybe hold on for a couple of years before having to pull it all out kind of thing.","start":604.685,"end":613.25,"sentiment":"neutral","sentiment_score":-0.12151164573527151},{"text":"Yeah.","start":618.75,"end":619.25,"sentiment":"neutral","sentiment_score":0.015956027433276176}],"sentiment":"neutral","sentiment_score":-0.02157478587469086,"num_words":96,"start":574.79504,"end":619.25},{"sentences":[{"text":"So we just focus on protection now, bit of moderate growth.","start":620.67004,"end":623.79004,"sentiment":"neutral","sentiment_score":0.019400652328675442},{"text":"And then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just let it sit there nice and safe.","start":623.79004,"end":633.195,"sentiment":"neutral","sentiment_score":0.06017770329490304},{"text":"Cool.","start":635.015,"end":635.415,"sentiment":"positive","sentiment_score":0.40237143635749817},{"text":"Alright.","start":635.415,"end":635.815,"sentiment":"neutral","sentiment_score":0.22790253162384033},{"text":"That's perfect.","start":635.815,"end":636.635,"sentiment":"positive","sentiment_score":0.6235728561878204}],"sentiment":"neutral","sentiment_score":0.08178063614124602,"num_words":55,"start":620.67004,"end":636.635},{"sentences":[{"text":"They're very persuasive and polite.","start":661.14496,"end":663.165,"sentiment":"positive","sentiment_score":0.4330872058868408},{"text":"Yep.","start":671.8,"end":672.3,"sentiment":"neutral","sentiment_score":0.12807750701904297},{"text":"Yep.","start":679.16,"end":679.395,"sentiment":"neutral","sentiment_score":-0.005784735083580017},{"text":"Yeah.","start":690.755,"end":691.255,"sentiment":"neutral","sentiment_score":-0.051259443163871765},{"text":"And when that happens, do we have a bit of an idea on how like, what I wanna do is basically update a little projection for you and say let's say day dot 60 happens and you need to do that.","start":691.79504,"end":706.02997,"sentiment":"neutral","sentiment_score":-0.008626546906648068}],"sentiment":"neutral","sentiment_score":0.038424100714963765,"num_words":49,"start":661.14496,"end":706.02997},{"sentences":[{"text":"How long will the funds last with a certain drawdown?","start":706.02997,"end":709.77496,"sentiment":"neutral","sentiment_score":-0.019405224174261094},{"text":"Do you have a bit of an an amount in mind?","start":709.77496,"end":712.19495,"sentiment":"neutral","sentiment_score":0.0075911099768497725},{"text":"A lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that.","start":717.13495,"end":725.23004,"sentiment":"neutral","sentiment_score":-0.14297460738037313},{"text":"You got the government, I think, says 77,000 per year for a couple to live comfortably these days.","start":725.23004,"end":731.81006,"sentiment":"neutral","sentiment_score":-0.0759110881222619},{"text":"Yeah.","start":741.08496,"end":741.58496,"sentiment":"neutral","sentiment_score":-0.08152902126312256}],"sentiment":"neutral","sentiment_score":-0.081790700678111,"num_words":68,"start":706.02997,"end":741.58496},{"sentences":[{"text":"Yeah.","start":747.40497,"end":747.6,"sentiment":"neutral","sentiment_score":0.024625882506370544},{"text":"Yeah.","start":770.975,"end":771.475,"sentiment":"neutral","sentiment_score":-0.02556023746728897},{"text":"And with the 13 100 a fortnight, is that so what type of pension is it?","start":771.535,"end":775.99,"sentiment":"neutral","sentiment_score":-0.012557993060909212},{"text":"Is it carer's pension, job seeker type?","start":775.99,"end":778.75,"sentiment":"neutral","sentiment_score":-0.014462240705532687},{"text":"Yeah.","start":798.155,"end":798.655,"sentiment":"neutral","sentiment_score":-0.030947737395763397}],"sentiment":"neutral","sentiment_score":-0.01284791024115223,"num_words":26,"start":747.40497,"end":798.655},{"sentences":[{"text":"Yes.","start":811.29004,"end":811.79004,"sentiment":"neutral","sentiment_score":-0.1058238223195076},{"text":"Yeah.","start":852.24506,"end":852.565,"sentiment":"neutral","sentiment_score":-0.0027108662761747837},{"text":"So I'll I'll update in the next plan that I've sent through to you.","start":852.565,"end":856.0,"sentiment":"neutral","sentiment_score":0.01870110013987869},{"text":"But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted.","start":856.0,"end":866.10004,"sentiment":"neutral","sentiment_score":-0.07271328668243118},{"text":"Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy.","start":866.445,"end":877.425,"sentiment":"neutral","sentiment_score":-0.044170529374645814}],"sentiment":"neutral","sentiment_score":-0.043410379640408794,"num_words":80,"start":811.29004,"end":877.425},{"sentences":[{"text":"You'd be talking somewhere in the nineties before the funds run out just from the super, not taking into account contributing anything from the term deposit to kind of fill out a pension account or anything.","start":877.48505,"end":887.08,"sentiment":"neutral","sentiment_score":-0.06789110264637405},{"text":"So do you want me to kinda just go for for income replacement for what you're earning now?","start":888.42004,"end":892.76,"sentiment":"neutral","sentiment_score":-0.027206520239512127},{"text":"And that's what I'm sort of thinking is if I go with those drawdowns, rather than just going fully defensive to just protect the 300,000 and then drop that out to you, the moderate is gonna get you that little bit of extra growth to keep up with inflation and then maintain that level of income for quite a while.","start":907.07495,"end":925.625,"sentiment":"neutral","sentiment_score":0.08832058627158404},{"text":"Sound good for you?","start":926.16504,"end":927.22504,"sentiment":"positive","sentiment_score":0.4082464724779129},{"text":"Perfect.","start":928.72504,"end":929.125,"sentiment":"positive","sentiment_score":0.4575630128383637}],"sentiment":"neutral","sentiment_score":0.03744526907112919,"num_words":119,"start":877.48505,"end":929.125},{"sentences":[{"text":"Alright.","start":929.125,"end":929.625,"sentiment":"neutral","sentiment_score":0.19569484889507296},{"text":"When we hit 60, we'll have another conversation about what type of account to switch it into.","start":930.16504,"end":935.145,"sentiment":"neutral","sentiment_score":0.0564943122513154},{"text":"If you're still working, we leave it alone.","start":935.525,"end":937.385,"sentiment":"neutral","sentiment_score":0.007050880027236417},{"text":"If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out.","start":938.085,"end":948.4,"sentiment":"neutral","sentiment_score":0.11138123675788704},{"text":"So when the time comes, I'll kind of be ready to pull the trigger on that.","start":948.54,"end":954.115,"sentiment":"neutral","sentiment_score":0.10704473499208689}],"sentiment":"neutral","sentiment_score":0.08947134942573029,"num_words":80,"start":929.125,"end":954.115},{"sentences":[{"text":"Perfect.","start":954.115,"end":954.435,"sentiment":"positive","sentiment_score":0.6333792209625244},{"text":"So that'll be the main thing.","start":954.435,"end":955.895,"sentiment":"positive","sentiment_score":0.36373022695382434},{"text":"I am gonna update your portfolio a little bit.","start":955.955,"end":958.775,"sentiment":"neutral","sentiment_score":0.17272566424475777},{"text":"Been talking with Barton Sevvy and the investment committee.","start":958.835,"end":961.975,"sentiment":"neutral","sentiment_score":0.07443381970127423},{"text":"Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out.","start":962.675,"end":968.38995,"sentiment":"neutral","sentiment_score":0.010393153964763596}],"sentiment":"neutral","sentiment_score":0.11431417764043031,"num_words":46,"start":954.115,"end":968.38995},{"sentences":[{"text":"Would you be okay for me to kind of look for some lower fee investments as we go a bit more defensive?","start":968.38995,"end":973.20996,"sentiment":"neutral","sentiment_score":0.06818818487226963},{"text":"Yep.","start":975.82996,"end":976.14996,"sentiment":"positive","sentiment_score":0.3859013020992279},{"text":"Cool.","start":976.14996,"end":976.38995,"sentiment":"positive","sentiment_score":0.4960057139396667},{"text":"We kind of call them bit bit more passive index funds, which means lower fees, bit more consistent in the returns rather than trying to chase for shooting the lights out.","start":976.38995,"end":985.605,"sentiment":"neutral","sentiment_score":0.24788464533705865},{"text":"Alrighty.","start":988.945,"end":989.445,"sentiment":"neutral","sentiment_score":0.1825077086687088}],"sentiment":"neutral","sentiment_score":0.18301747852404202,"num_words":56,"start":968.38995,"end":989.445},{"sentences":[{"text":"In terms of estate planning and everything, we do have that you guys have the advanced health care directive, Peter.","start":990.305,"end":997.5,"sentiment":"neutral","sentiment_score":0.14981026984751225},{"text":"You've got a will in place, the beneficiary nomination, so that's all looking good.","start":997.64,"end":1002.44,"sentiment":"neutral","sentiment_score":0.2373489641717502},{"text":"I'm assuming we're not looking for anything insurance related, like life insurance anything to add on.","start":1002.44,"end":1008.02496,"sentiment":"neutral","sentiment_score":-0.009659442235715687},{"text":"No.","start":1009.76495,"end":1010.26495,"sentiment":"neutral","sentiment_score":0.01242055743932724},{"text":"Awesome.","start":1010.565,"end":1011.065,"sentiment":"neutral","sentiment_score":0.12906292080879211}],"sentiment":"neutral","sentiment_score":0.1212696788044503,"num_words":52,"start":990.305,"end":1011.065},{"sentences":[{"text":"Outside of that, any major goals or priorities for the next two to five years for you?","start":1012.32495,"end":1017.14496,"sentiment":"neutral","sentiment_score":0.034060098121271414},{"text":"Yeah.","start":1045.335,"end":1045.65,"sentiment":"neutral","sentiment_score":0.01793077401816845},{"text":"Yep.","start":1056.6901,"end":1057.1901,"sentiment":"neutral","sentiment_score":0.03166225552558899},{"text":"Oh, you're quite close to Enviro at the moment.","start":1073.52,"end":1075.7,"sentiment":"neutral","sentiment_score":0.05400229121247927},{"text":"Oh, wow.","start":1077.84,"end":1078.2,"sentiment":"neutral","sentiment_score":0.08178886398673058}],"sentiment":"neutral","sentiment_score":0.042607101549704866,"num_words":30,"start":1012.32495,"end":1078.2},{"sentences":[{"text":"I used to go out there camping with my dad to go fossicking for sapphires and topaz.","start":1078.2,"end":1082.74,"sentiment":"neutral","sentiment_score":0.025787065641078},{"text":"Oh, wow.","start":1085.915,"end":1086.735,"sentiment":"neutral","sentiment_score":0.018744980450719595},{"text":"Yeah.","start":1092.875,"end":1093.195,"sentiment":"neutral","sentiment_score":0.09791316092014311},{"text":"Cool.","start":1093.195,"end":1093.515,"sentiment":"neutral","sentiment_score":0.2724243402481079},{"text":"Alrighty.","start":1093.515,"end":1094.015,"sentiment":"neutral","sentiment_score":0.2123866081237793}],"sentiment":"neutral","sentiment_score":0.04811791754962707,"num_words":22,"start":1078.2,"end":1094.015},{"sentences":[{"text":"So I've pretty much got everything I need to go and do some research.","start":1094.715,"end":1099.115,"sentiment":"neutral","sentiment_score":0.13259983222399438},{"text":"What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born.","start":1099.115,"end":1107.57,"sentiment":"neutral","sentiment_score":0.023375667022684447},{"text":"So I'm just getting on a bit of leave.","start":1107.57,"end":1109.09,"sentiment":"neutral","sentiment_score":0.13427541901667914},{"text":"Thank you.","start":1109.09,"end":1109.75,"sentiment":"positive","sentiment_score":0.5042162835597992},{"text":"Number three, my boys are smitten.","start":1109.8099,"end":1112.186,"sentiment":"positive","sentiment_score":0.3358013778924942}],"sentiment":"neutral","sentiment_score":0.11747165963772618,"num_words":57,"start":1094.715,"end":1112.186},{"sentences":[{"text":"I'm basically gonna yes.","start":1112.186,"end":1113.666,"sentiment":"neutral","sentiment_score":0.1561858244240284},{"text":"Yes.","start":1113.666,"end":1113.962,"sentiment":"neutral","sentiment_score":0.13522614538669586},{"text":"We did.","start":1113.962,"end":1114.554,"sentiment":"neutral","sentiment_score":0.1989806815981865},{"text":"We wouldn't have been Yes.","start":1114.554,"end":1117.935,"sentiment":"neutral","sentiment_score":0.055470310151576996},{"text":"We did.","start":1117.935,"end":1118.675,"sentiment":"neutral","sentiment_score":0.29059380292892456}],"sentiment":"neutral","sentiment_score":0.14403356877820833,"num_words":14,"start":1112.186,"end":1118.675},{"sentences":[{"text":"We wouldn't have been disappointed with three boys, but it was it was lucky that we got it there in the end.","start":1118.735,"end":1123.2151,"sentiment":"positive","sentiment_score":0.4269525002349507},{"text":"So the family is now completed.","start":1123.2151,"end":1124.8351,"sentiment":"positive","sentiment_score":0.39670396347840625},{"text":"Congrats.","start":1130.8151,"end":1131.3151,"sentiment":"positive","sentiment_score":0.47114816308021545},{"text":"I'm gonna get the team to kind of update the new portfolio just while I'm away.","start":1132.0701,"end":1136.81,"sentiment":"neutral","sentiment_score":0.16343332221731544},{"text":"And then as soon as I come back, we'll book you in, and I'll walk you through the document.","start":1136.87,"end":1140.89,"sentiment":"neutral","sentiment_score":0.10934870494039435}],"sentiment":"neutral","sentiment_score":0.2646388359135017,"num_words":64,"start":1118.735,"end":1140.89},{"sentences":[{"text":"And then I can alter everything if you're happy with it.","start":1141.03,"end":1143.85,"sentiment":"positive","sentiment_score":0.40587665276093915},{"text":"Awesome.","start":1145.35,"end":1145.85,"sentiment":"positive","sentiment_score":0.6283854246139526},{"text":"Any questions for me before I let you go?","start":1146.0349,"end":1148.615,"sentiment":"neutral","sentiment_score":0.16069280770089892},{"text":"Cool.","start":1151.5549,"end":1151.875,"sentiment":"neutral","sentiment_score":0.02854224480688572},{"text":"Just a bit of a heads up that the pack that I sent you to the email, it has your, super summary.","start":1151.955,"end":1159.1749,"sentiment":"neutral","sentiment_score":0.23248638991605153}],"sentiment":"neutral","sentiment_score":0.2655115158466453,"num_words":44,"start":1141.03,"end":1159.1749},{"sentences":[{"text":"It's got your NEOS certificate of currency there as well.","start":1159.635,"end":1163.4701,"sentiment":"neutral","sentiment_score":0.24288758486509324},{"text":"I needed to just quickly ask you about your NEOS insurance.","start":1163.4701,"end":1166.13,"sentiment":"neutral","sentiment_score":0.07179859805513512},{"text":"You've got 300,000 worth of life and disability insurance.","start":1167.9501,"end":1171.3301,"sentiment":"neutral","sentiment_score":-0.026974107863174543},{"text":"It's creeping up.","start":1172.5901,"end":1173.4701,"sentiment":"negative","sentiment_score":-0.3899683852990468},{"text":"It's kind of sitting around that 2.5 to 3,000 mark.","start":1173.4701,"end":1176.655,"sentiment":"neutral","sentiment_score":-0.2928121268749237}],"sentiment":"neutral","sentiment_score":-0.026096115538547206,"num_words":43,"start":1159.635,"end":1176.655},{"sentences":[{"text":"And over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the next seven years.","start":1176.9551,"end":1184.5751,"sentiment":"neutral","sentiment_score":-0.15881161308950847},{"text":"So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now?","start":1184.875,"end":1193.74,"sentiment":"neutral","sentiment_score":-0.07401978136557671},{"text":"It's usually based on needs, to be honest.","start":1198.04,"end":1200.531,"sentiment":"neutral","sentiment_score":-0.037387038581073284},{"text":"And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for.","start":1200.531,"end":1207.395,"sentiment":"neutral","sentiment_score":-0.05840413326707979},{"text":"Because TPD insurance, that would be 300,000.","start":1207.395,"end":1210.595,"sentiment":"neutral","sentiment_score":-0.07646603829094342}],"sentiment":"neutral","sentiment_score":-0.08343418214910774,"num_words":93,"start":1176.9551,"end":1210.595},{"sentences":[{"text":"Like, if you fell into a similar situation and you could, you know, renovate the home and and all that kind of thing.","start":1210.595,"end":1216.78,"sentiment":"neutral","sentiment_score":-0.09265240314214127},{"text":"Life insurance if you passed away, normally, to clear mortgages and assist in the the partner.","start":1216.78,"end":1222.16,"sentiment":"neutral","sentiment_score":-0.12196352798491716},{"text":"So would that be helpful for Peter if you passed away?","start":1222.7,"end":1227.12,"sentiment":"neutral","sentiment_score":-0.07914094762368636},{"text":"Yep.","start":1227.755,"end":1228.255,"sentiment":"neutral","sentiment_score":-0.031045913696289062},{"text":"Yeah.","start":1234.075,"end":1234.575,"sentiment":"neutral","sentiment_score":-0.06455977261066437}],"sentiment":"neutral","sentiment_score":-0.0970880351960659,"num_words":52,"start":1210.595,"end":1234.575},{"sentences":[{"text":"Yep.","start":1240.315,"end":1240.59,"sentiment":"neutral","sentiment_score":-0.040933385491371155},{"text":"Yeah.","start":1253.71,"end":1254.015,"sentiment":"neutral","sentiment_score":-0.03649263828992843},{"text":"Oh.","start":1267.855,"end":1268.25,"sentiment":"neutral","sentiment_score":0.06683681905269623},{"text":"Yep.","start":1282.49,"end":1282.99,"sentiment":"neutral","sentiment_score":0.22992560267448425},{"text":"Bit of peace of mind for the next couple of years until you don't need it anymore.","start":1283.45,"end":1286.785,"sentiment":"neutral","sentiment_score":0.3013833620968987}],"sentiment":"neutral","sentiment_score":0.2544215977901504,"num_words":21,"start":1240.315,"end":1286.785},{"sentences":[{"text":"Yep.","start":1288.365,"end":1288.765,"sentiment":"neutral","sentiment_score":0.2436031699180603},{"text":"Awesome.","start":1288.765,"end":1289.165,"sentiment":"positive","sentiment_score":0.4904211163520813},{"text":"And just bear in mind too that we can do a similar situation.","start":1289.165,"end":1292.125,"sentiment":"neutral","sentiment_score":0.18289073843222398},{"text":"If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight.","start":1292.125,"end":1303.99,"sentiment":"neutral","sentiment_score":0.09596036842891148},{"text":"Something similar can be set up as well.","start":1304.77,"end":1306.85,"sentiment":"neutral","sentiment_score":0.07449151109904051}],"sentiment":"neutral","sentiment_score":0.1218301529257462,"num_words":58,"start":1288.365,"end":1306.85},{"sentences":[{"text":"So we would do our best, and we would assist with any insurance claims as well.","start":1306.85,"end":1311.99,"sentiment":"neutral","sentiment_score":0.20658604428172112},{"text":"So I don't know if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance.","start":1312.13,"end":1320.095,"sentiment":"neutral","sentiment_score":0.03183621513627229},{"text":"So please just bear that in mind.","start":1320.395,"end":1322.095,"sentiment":"neutral","sentiment_score":0.02183448470064572},{"text":"Cool.","start":1326.315,"end":1326.815,"sentiment":"neutral","sentiment_score":0.1576234996318817},{"text":"Alright, Julie.","start":1327.115,"end":1327.755,"sentiment":"neutral","sentiment_score":0.1038128063082695}],"sentiment":"neutral","sentiment_score":0.08439280496289332,"num_words":57,"start":1306.85,"end":1327.755},{"sentences":[{"text":"Well, let us know straight away.","start":1327.755,"end":1329.24,"sentiment":"neutral","sentiment_score":0.06550871767103672},{"text":"Yep.","start":1336.98,"end":1337.48,"sentiment":"neutral","sentiment_score":0.09542669355869292},{"text":"Absolutely.","start":1346.515,"end":1347.015,"sentiment":"neutral","sentiment_score":0.096494659781456},{"text":"Actually, I don't know if he's gone home yet, but yeah.","start":1347.7949,"end":1350.4349,"sentiment":"neutral","sentiment_score":-0.008236844230189243},{"text":"About to go 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go?","start":1376.5651,"end":1378.585,"sentiment":"neutral","sentiment_score":0.09183154337935978}],"sentiment":"neutral","sentiment_score":0.10018583288302227,"num_words":49,"start":1351.5549,"end":1378.585},{"sentences":[{"text":"Awesome.","start":1380.965,"end":1381.4451,"sentiment":"positive","sentiment_score":0.5396922826766968},{"text":"I appreciate you sitting in the car park having this conversation with me.","start":1381.4451,"end":1384.38,"sentiment":"positive","sentiment_score":0.4688649062926953},{"text":"It was very, very helpful.","start":1384.46,"end":1386.24,"sentiment":"positive","sentiment_score":0.500098679959774},{"text":"I would love nothing more than to go and drop the risk level of your portfolio.","start":1386.9401,"end":1391.28,"sentiment":"positive","sentiment_score":0.6661145091056824},{"text":"So leave it with me, and as soon as I get back, we will run through it together and get that sorted.","start":1391.34,"end":1398.503,"sentiment":"positive","sentiment_score":0.41898407448421826}],"sentiment":"positive","sentiment_score":0.5089633552390233,"num_words":57,"start":1380.965,"end":1398.503},{"sentences":[{"text":"Thanks, Bye.","start":1398.503,"end":1399.963,"sentiment":"positive","sentiment_score":0.6187493205070496}],"sentiment":"positive","sentiment_score":0.6187493205070496,"num_words":2,"start":1398.503,"end":1399.963}]}}]},{"alternatives":[{"transcript":"Hello. Allyn speaking. Good. Thank you. Well, now just finished work. I'm just heading to the car park so I can talk to you. Because if I drive home, I'd lose service. You wouldn't get me, so I'm just gonna park over here. Yeah. No. Absolutely. I've got a 03:45 at the chiropractor, so take your time. Mhmm. Mhmm. 01/18/1968, and 12 To 14 Martin Street, Ashford, New South Wales 2365. No. No. Just to make sure that I'm in the right spot because, you know, getting older and only working part time now and yeah. Oh, we need to update that I started back at work. No. I don't work at the pool anymore. I work for Inverar or Shire Council. Total quality coordinator is my title. Mhmm. It does. It's not exactly it's not exactly what the word says. Righto. So I am making sure that all of their documentation, all the paperwork they're using is up to standard, and it's not, by the way. No. Yeah. No. I'm just in the office. I'm going out and do I'm not supervising anybody because the word coordinator in it, you would think it would be the words we have coordinating staff, but it's not. It's coordinating the documentation. So I I do yes. Yeah. I only work two, five hour days, ten hours a week. I can work up to seventy hours a fortnight, and I will be my new contract just been authorized because it was finished on the August 18, but I've now got another twelve months. And there will be some times where I will be doing more than the ten hours a week on specific projects. Mhmm. It's it's yeah. I think that now. It's $8.55 for my ten days a week. So my twenty days of fortnight, I get $8.55 and 1¢. That's gross. No. Fort fortnightly fortnightly. Sorry. Fortnightly. I just said fortnightly. Mhmm. Mhmm. Yep. No. We sold that. No. Yeah. We sold that in 2023. No. Because we'd already had that as a rental. We bought we bought we bought the rental in because we actually owned four properties. And in 2023, we sold three of them and moved into the rental. We own two two houses, five acres of land, and a rental, and we sold the two houses. We sold the land, moved into the rental. You are. Yeah. No. It's free. It's mortgage free. Mhmm. Mhmm. And last time, it said 400,000. So but you never know with the market now because when we moved to Ashford, there was 30 houses for sale. Now you don't get a house sale as soon as it comes up itself. Oh, yeah. Yes. We do. But I do. And I don't share. Yes. That is correct. 156 in term deposits now at last count. And savings, that's that's about the same. I've got well, there's 9,500 in the safe and whatever it is in the bank account. So oh, I said I have oh, I said cash only. Mhmm. Mhmm. But I've already retired. I've already retired. I only went back to casual work because I was bored. Mhmm. Well, you've only got eighteen months and all b 60. So you don't have a lot of time to build it any further than what it is. Mhmm. Yes. Yes. Hello. Tell me about it, especially with Trump. You don't know what's gonna happen to the gold market. Yes. Well, I think we need to especially, let's, like, for me for the year coming up, I think it needs to be preserved because, you know, he he's locked it straight down again. So we're price is fuel down up, so the whole market's gonna change again. And as she said, I'm only just sitting pretty. I haven't had a loss, but I haven't had a win. So I think we do need to look it down more than the 70% because right now, I don't I'm not in a position to gain anything, so I just don't wanna lose anything. I'm happy with $50.50 at this stage. Because like I said, I'm still working, so I'm still contributing to it. Yeah. Oh, I'll be pulling it all out. We'll be rolling it over or something. I don't need to pull it out. That's that's not gonna happen. Yeah. Well, I bet I I sort of wanna be pulling a pension out of it when I turn 60 because I'm still looks like the council will employ me to the year dot, and I'm happy to do the two five o shifts away. Oh, we won't go there. I was sort of forced into this job because I didn't want it, and they accommodated me, and they are very, very nice to me. So I will do it. Because I had as I said, I had retired, and then I was sort of begged to come into this role, and they're very good to me. Very good to me. So I'll keep going through as long as I want to, as long as I my boredom at bay. So I I at 60, I I won't be pulling the pension down. Not to the stage where I go, right. I no. I've had enough. Nobody's listening to me at work. I don't wanna work there anymore because usually takes me ten years and we're at year one. So I think we've got we've got a few years ago yet. Mhmm. I don't know. What's the norm? Because she's We'll see. Unfortunately, right now, Peggy and I don't live together because he's in assisted living. He's in a still house because he had a back injury and is paralyzed. So he he actually lives in the town that I work in. So he has the pension, the envelope pension. And I do my twenty eight to fortnight and get some money off the government because I still get half of my Centrelink. And I I don't I survive on on, like, $1,300 a fortnight into my bank account, and I can still add to my term deposits. We we don't have a lot of expenses. So yeah. Me. That's wages and and job seeker. And Peter, he gets, like, $1,465 pension and rent assistance with his. So his money is his money, and he contributes when there's a red joe due of one of his freaking use. But the rest of it, rates, phone, power, like, pay it. We've got solar. You know, the pay bill's a $100 a month, and I I don't I don't have expense. It's it's really hard for people to understand, but I don't have expenses. Literally. Yeah. I don't. I don't I don't have any credit cards. I don't have any debts. I don't have you know, I have rego's insurance rates and taxes, the phone bill, and the pay bill. That's it. So, you know, a thousand dollars a a a week is I've been just adding to my term deposits if I took that out of my pension out of my super. So what's the what's the your projection? If it is a thousand dollars a week coming out as a payment from the super when it gets rolled over, how the super amount that I've currently got or the projection of what I'll have at 60, how many have the what's the time frame coming out of that? How many years? Yes. Yeah. Why not? Because like I said, it's it's, you know, could add 10% of cost inflation over the next five years. But apart from that, yeah, that's fine. Yeah. Go for it. Yep. Absolutely. Go through. Yes. Yep. Mhmm. Yes. Yes. Yes. Yeah. No. That's great. Yep. Yep. Yep. Yes. No. No. Apart from getting my bloody daughter to paint the inside of my house because I'll build you anything. I just don't paint. No. No. We're you know, we're just right now, Peter's away and ride at a rehab center doing some extra work with his chair and and some physical equipment for his arm exercises and that. So we just right now, we're just soldiering on with Peter's health because, you know, he's 61 and and now in a wheelchair. Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that. So that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that. So 57 K is going in. So Mhmm. Yeah. Well, Pete's actually in in Burrell. He's he's we're yeah. He he's in a still house in here, and I'm still but I'm still in Ashford. Yeah. Oh, seems good. Can't tell it to you, but, Gail. Yeah. I had a boy and a girl. So he's pretty much in here. I need more anymore. Mhmm. Beautiful. Yep. Lovely. Nope. No. That's absolutely fine. Thanks so much. Mhmm. Gotcha. Mhmm. Yeah. What would your alterations be? Yes. Yeah. Because he would be he would have to then be he would have to actually sell the property that was got, and he would need to the price of of houses these days. He would have to build a fix and purpose home for himself. So, yeah, I think we looked at it last year, and we thought, well, this for what it is and the little bit of it increased, there was no use dropping any like, dropping it to, like, 200,000 because it wasn't wasn't much of change. Right. So I think, you know, while I'm working, traveling backwards and forwards, you never know when somebody's gonna freaking run into me. Nearly, I'll take that one cattle truck the other day, which was half on my side of the road coming around the corner. So you just need to know. So I'm happy to keep it there. You know, while Peter is still coherent enough not to be in the nursing home, I would really like to keep it there because it's a benefit to him to look after himself while when I'm not there. Yep. Yeah. Definitely. Mhmm. Yes. Well, Well but but sister-in-law would be the one pushing your buttons. It would be Julia. Yeah. Yeah. Yeah. She would. Yeah. She would be she would be the one that would be assisting our daughter, Marina, to find out what's all the go is because she's she's my best friend. So friends in high places in this this room, mate. I tell you. Mhmm. Yes. Mhmm. Yes. Yes. No. Absolutely fine. Thank you so much. No. Yes. Yep. Easier. Talk to you then. Have fun. Okay. 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Allyn speaking. Good. Thank you. Well, now just finished work.\n\nI'm just heading to the car park so I can talk to you. Because if I drive home, I'd lose service. You wouldn't get me, so I'm just gonna park over here. Yeah. No.\n\nAbsolutely. I've got a 03:45 at the chiropractor, so take your time. Mhmm. Mhmm. 01/18/1968, and 12 To 14 Martin Street, Ashford, New South Wales 2365.\n\nNo. No. Just to make sure that I'm in the right spot because, you know, getting older and only working part time now and yeah. Oh, we need to update that I started back at work. No.\n\nI don't work at the pool anymore. I work for Inverar or Shire Council. Total quality coordinator is my title. Mhmm. It does.\n\nIt's not exactly it's not exactly what the word says. Righto. So I am making sure that all of their documentation, all the paperwork they're using is up to standard, and it's not, by the way. No. Yeah.\n\nNo. I'm just in the office. I'm going out and do I'm not supervising anybody because the word coordinator in it, you would think it would be the words we have coordinating staff, but it's not. It's coordinating the documentation. So I I do yes.\n\nYeah. I only work two, five hour days, ten hours a week. I can work up to seventy hours a fortnight, and I will be my new contract just been authorized because it was finished on the August 18, but I've now got another twelve months. And there will be some times where I will be doing more than the ten hours a week on specific projects. Mhmm.\n\nIt's it's yeah. I think that now. It's $8.55 for my ten days a week. So my twenty days of fortnight, I get $8.55 and 1¢. That's gross.\n\nNo. Fort fortnightly fortnightly. Sorry. Fortnightly. I just said fortnightly.\n\nMhmm. Mhmm. Yep. No. We sold that.\n\nNo. Yeah. We sold that in 2023. No. Because we'd already had that as a rental.\n\nWe bought we bought we bought the rental in because we actually owned four properties. And in 2023, we sold three of them and moved into the rental. We own two two houses, five acres of land, and a rental, and we sold the two houses. We sold the land, moved into the rental. You are.\n\nYeah. No. It's free. It's mortgage free. Mhmm.\n\nMhmm. And last time, it said 400,000. So but you never know with the market now because when we moved to Ashford, there was 30 houses for sale. Now you don't get a house sale as soon as it comes up itself. Oh, yeah.\n\nYes. We do. But I do. And I don't share. Yes.\n\nThat is correct. 156 in term deposits now at last count. And savings, that's that's about the same. I've got well, there's 9,500 in the safe and whatever it is in the bank account. So oh, I said I have oh, I said cash only.\n\nMhmm. Mhmm. But I've already retired. I've already retired. I only went back to casual work because I was bored.\n\nMhmm. Well, you've only got eighteen months and all b 60. So you don't have a lot of time to build it any further than what it is. Mhmm. Yes.\n\nYes. Hello. Tell me about it, especially with Trump. You don't know what's gonna happen to the gold market. Yes.\n\nWell, I think we need to especially, let's, like, for me for the year coming up, I think it needs to be preserved because, you know, he he's locked it straight down again. So we're price is fuel down up, so the whole market's gonna change again. And as she said, I'm only just sitting pretty. I haven't had a loss, but I haven't had a win. So I think we do need to look it down more than the 70% because right now, I don't I'm not in a position to gain anything, so I just don't wanna lose anything.\n\nI'm happy with $50.50 at this stage. Because like I said, I'm still working, so I'm still contributing to it. Yeah. Oh, I'll be pulling it all out. We'll be rolling it over or something.\n\nI don't need to pull it out. That's that's not gonna happen. Yeah. Well, I bet I I sort of wanna be pulling a pension out of it when I turn 60 because I'm still looks like the council will employ me to the year dot, and I'm happy to do the two five o shifts away. Oh, we won't go there.\n\nI was sort of forced into this job because I didn't want it, and they accommodated me, and they are very, very nice to me. So I will do it. Because I had as I said, I had retired, and then I was sort of begged to come into this role, and they're very good to me. Very good to me. So I'll keep going through as long as I want to, as long as I my boredom at bay.\n\nSo I I at 60, I I won't be pulling the pension down. Not to the stage where I go, right. I no. I've had enough. Nobody's listening to me at work.\n\nI don't wanna work there anymore because usually takes me ten years and we're at year one. So I think we've got we've got a few years ago yet. Mhmm. I don't know. What's the norm?\n\nBecause she's We'll see. Unfortunately, right now, Peggy and I don't live together because he's in assisted living. He's in a still house because he had a back injury and is paralyzed. So he he actually lives in the town that I work in. So he has the pension, the envelope pension.\n\nAnd I do my twenty eight to fortnight and get some money off the government because I still get half of my Centrelink. And I I don't I survive on on, like, $1,300 a fortnight into my bank account, and I can still add to my term deposits. We we don't have a lot of expenses. So yeah. Me.\n\nThat's wages and and job seeker. And Peter, he gets, like, $1,465 pension and rent assistance with his. So his money is his money, and he contributes when there's a red joe due of one of his freaking use. But the rest of it, rates, phone, power, like, pay it. We've got solar.\n\nYou know, the pay bill's a $100 a month, and I I don't I don't have expense. It's it's really hard for people to understand, but I don't have expenses. Literally. Yeah. I don't.\n\nI don't I don't have any credit cards. I don't have any debts. I don't have you know, I have rego's insurance rates and taxes, the phone bill, and the pay bill. That's it. So, you know, a thousand dollars a a a week is I've been just adding to my term deposits if I took that out of my pension out of my super.\n\nSo what's the what's the your projection? If it is a thousand dollars a week coming out as a payment from the super when it gets rolled over, how the super amount that I've currently got or the projection of what I'll have at 60, how many have the what's the time frame coming out of that? How many years? Yes. Yeah.\n\nWhy not? Because like I said, it's it's, you know, could add 10% of cost inflation over the next five years. But apart from that, yeah, that's fine. Yeah. Go for it.\n\nYep. Absolutely. Go through. Yes. Yep.\n\nMhmm. Yes. Yes. Yes. Yeah.\n\nNo. That's great. Yep. Yep. Yep.\n\nYes. No. No. Apart from getting my bloody daughter to paint the inside of my house because I'll build you anything. I just don't paint.\n\nNo. No. We're you know, we're just right now, Peter's away and ride at a rehab center doing some extra work with his chair and and some physical equipment for his arm exercises and that. So we just right now, we're just soldiering on with Peter's health because, you know, he's 61 and and now in a wheelchair. Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that.\n\nSo that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that. So 57 K is going in. So Mhmm. Yeah. Well, Pete's actually in in Burrell.\n\nHe's he's we're yeah. He he's in a still house in here, and I'm still but I'm still in Ashford. Yeah. Oh, seems good. Can't tell it to you, but, Gail.\n\nYeah. I had a boy and a girl. So he's pretty much in here. I need more anymore. Mhmm.\n\nBeautiful. Yep. Lovely. Nope. No.\n\nThat's absolutely fine. Thanks so much. Mhmm. Gotcha. Mhmm.\n\nYeah. What would your alterations be? Yes. Yeah. Because he would be he would have to then be he would have to actually sell the property that was got, and he would need to the price of of houses these days.\n\nHe would have to build a fix and purpose home for himself. So, yeah, I think we looked at it last year, and we thought, well, this for what it is and the little bit of it increased, there was no use dropping any like, dropping it to, like, 200,000 because it wasn't wasn't much of change. Right. So I think, you know, while I'm working, traveling backwards and forwards, you never know when somebody's gonna freaking run into me. Nearly, I'll take that one cattle truck the other day, which was half on my side of the road coming around the corner.\n\nSo you just need to know. So I'm happy to keep it there. You know, while Peter is still coherent enough not to be in the nursing home, I would really like to keep it there because it's a benefit to him to look after himself while when I'm not there. Yep. Yeah.\n\nDefinitely. Mhmm. Yes. Well, Well but but sister-in-law would be the one pushing your buttons. It would be Julia.\n\nYeah. Yeah. Yeah. She would. Yeah.\n\nShe would be she would be the one that would be assisting our daughter, Marina, to find out what's all the go is because she's she's my best friend. So friends in high places in this this room, mate. I tell you. Mhmm. Yes.\n\nMhmm. Yes. Yes. No. Absolutely fine.\n\nThank you so much. No. Yes. Yep. Easier.\n\nTalk to you then. Have fun. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.02039024606347084},{"text":"Allyn speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.025021224282681942},{"text":"Good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.4294839799404144},{"text":"Thank you.","start":8.16,"end":8.82,"sentiment":"positive","sentiment_score":0.6934608817100525},{"text":"Well, now just finished work.","start":14.3949995,"end":15.915,"sentiment":"neutral","sentiment_score":0.004021120630204678}],"sentiment":"neutral","sentiment_score":0.17335854919457977,"num_words":11,"start":0.79999995,"end":15.915},{"sentences":[{"text":"I'm just heading to the car park so I can talk to you.","start":15.915,"end":19.135,"sentiment":"neutral","sentiment_score":0.00900218585649362},{"text":"Because if I drive home, I'd lose 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gross.","start":218.455,"end":219.355,"sentiment":"neutral","sentiment_score":0.004023749381303787}],"sentiment":"neutral","sentiment_score":0.03420437382603133,"num_words":28,"start":205.37,"end":219.355},{"sentences":[{"text":"No.","start":223.815,"end":224.315,"sentiment":"neutral","sentiment_score":-0.11489150673151016},{"text":"Fort fortnightly fortnightly.","start":224.455,"end":226.555,"sentiment":"neutral","sentiment_score":-0.05922661473353704},{"text":"Sorry.","start":226.615,"end":226.935,"sentiment":"neutral","sentiment_score":-0.022534919902682304},{"text":"Fortnightly.","start":226.935,"end":227.435,"sentiment":"neutral","sentiment_score":0.08204343914985657},{"text":"I just said 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super.","start":824.20996,"end":833.02997,"sentiment":"neutral","sentiment_score":-0.02068061979427453}],"sentiment":"neutral","sentiment_score":-0.13400488746567416,"num_words":65,"start":813.965,"end":833.02997},{"sentences":[{"text":"So what's the what's the your projection?","start":833.445,"end":837.065,"sentiment":"neutral","sentiment_score":-0.0023816031004701343},{"text":"If it is a thousand dollars a week coming out as a payment from the super when it gets rolled over, how the super amount that I've currently got or the projection of what I'll have at 60, how many have the what's the time frame coming out of that?","start":837.205,"end":851.98004,"sentiment":"neutral","sentiment_score":0.007742333449423313},{"text":"How many 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wheelchair.","start":1038.315,"end":1044.495,"sentiment":"neutral","sentiment_score":-0.02460769790670146},{"text":"Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that.","start":1045.51,"end":1056.15,"sentiment":"neutral","sentiment_score":0.06672156616472281}],"sentiment":"neutral","sentiment_score":0.0055676605936485464,"num_words":97,"start":1026.39,"end":1056.15},{"sentences":[{"text":"So that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that.","start":1056.15,"end":1072.4651,"sentiment":"neutral","sentiment_score":0.015853946320550125},{"text":"So 57 K is going in.","start":1072.4651,"end":1077.76,"sentiment":"neutral","sentiment_score":0.030678761191666126},{"text":"So Mhmm.","start":1078.38,"end":1083.1,"sentiment":"neutral","sentiment_score":0.014952836325392127},{"text":"Yeah.","start":1083.1,"end":1083.34,"sentiment":"neutral","sentiment_score":0.01483605057001114},{"text":"Well, Pete's actually in in Burrell.","start":1083.34,"end":1084.96,"sentiment":"neutral","sentiment_score":0.012380690158655247}],"sentiment":"neutral","sentiment_score":0.01697962281217895,"num_words":58,"start":1056.15,"end":1084.96},{"sentences":[{"text":"He's he's we're yeah.","start":1085.605,"end":1087.2849,"sentiment":"neutral","sentiment_score":0.011533278971910477},{"text":"He he's in a still house in here, and I'm still but I'm still in Ashford.","start":1087.2849,"end":1091.9249,"sentiment":"neutral","sentiment_score":0.006242679606657475},{"text":"Yeah.","start":1091.9249,"end":1092.4249,"sentiment":"neutral","sentiment_score":0.03778769075870514},{"text":"Oh, seems 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absolutely fine.","start":1149.475,"end":1150.515,"sentiment":"neutral","sentiment_score":0.26391106843948364},{"text":"Thanks so much.","start":1150.515,"end":1151.4149,"sentiment":"positive","sentiment_score":0.6630310416221619},{"text":"Mhmm.","start":1166.63,"end":1167.11,"sentiment":"neutral","sentiment_score":0.03286486119031906},{"text":"Gotcha.","start":1167.11,"end":1167.61,"sentiment":"neutral","sentiment_score":0.02452002465724945},{"text":"Mhmm.","start":1171.805,"end":1172.305,"sentiment":"neutral","sentiment_score":-0.07272280752658844}],"sentiment":"neutral","sentiment_score":0.30727648983399075,"num_words":9,"start":1149.475,"end":1172.305},{"sentences":[{"text":"Yeah.","start":1183.485,"end":1183.985,"sentiment":"neutral","sentiment_score":-0.07312916219234467},{"text":"What would your alterations 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what's all the go is because she's she's my best friend.","start":1330.425,"end":1341.2251,"sentiment":"neutral","sentiment_score":0.09071140222508332},{"text":"So friends in high places in this this room, mate.","start":1341.2251,"end":1344.77,"sentiment":"neutral","sentiment_score":0.0942697748541832},{"text":"I tell 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Allyn speaking.\n\nChannel 0: Hi, Eileen. It's Tommy here, senior adviser from Oakview Financial. How are you doing today?\n\nChannel 1: Good. Thank you.\n\nChannel 0: I'm doing absolutely fantastic. It's been a beautiful start to the week. What about your end?\n\nChannel 1: Well, now just finished work. I'm just heading to the car park so I can talk to you.\n\nChannel 0: End? Oh, no\n\nChannel 1: Because\n\nChannel 0: worries. Well, thank you for taking the time. Now\n\nChannel 1: if I\n\nChannel 0: I wanted\n\nChannel 1: drive home, I'd lose service. You wouldn't get me, so I'm just gonna park over\n\nChannel 0: oh, it would cut out.\n\nChannel 1: here.\n\nChannel 0: Okay. Well, I'll try to make sure I don't take up too much time so you're sitting\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: No.\n\nChannel 0: the car park for too long.\n\nChannel 1: Absolutely. I've got a 03:45 at the chiropractor, so take your time.\n\nChannel 0: Beautiful. Okay. So what I'll do is I've got a bit of a\n\nChannel 1: Mhmm.\n\nChannel 0: review pack that I'll send out to you. I'm just gonna go through quick security check with you, update some details, and then work out what kind of strategies we can look at for this next year. Now while that's coming through to you, I just wanted to double check for security. Now we do record all of our phone calls. Could I\n\nChannel 1: Mhmm.\n\nChannel 0: just check your date of birth and address, please?\n\nChannel 1: 01/18/1968,\n\nChannel 0: Yep.\n\nChannel 1: and 12 To 14 Martin Street, Ashford, New South Wales 2365.\n\nChannel 0: Perfect. Thank you so much for that. Now outside\n\nChannel 1: No.\n\nChannel 0: of my agenda of updating your details and touching on a few super ideas and the insurances and so on, Is there anything in particular you're hoping to get out of this review?\n\nChannel 1: No. Just to make sure that I'm in the right spot because, you know, getting older and only working part time now and yeah. Oh, we need to update\n\nChannel 0: Absolutely.\n\nChannel 1: that I started back at work.\n\nChannel 0: Oh, nice. Okay. Cool. So let's start there. I had you doing customer service for Belgravia.\n\nChannel 1: No. I don't work at the pool anymore. I work for Inverar or Shire Council.\n\nChannel 0: Royal Shire Council. Amazing. And what are you doing for the council?\n\nChannel 1: Total quality coordinator is my title.\n\nChannel 0: Total quality coordinator. Sounds very\n\nChannel 1: Mhmm. It does. It's not exactly it's not exactly what the word says. Righto. So I am making sure that all of their documentation, all the paperwork they're using\n\nChannel 0: responsible.\n\nChannel 1: is up to standard, and it's not, by the way.\n\nChannel 0: Never is, is it?\n\nChannel 1: No.\n\nChannel 0: Systems up to standard. Alrighty. And do you do any kind of managerial work, or is it mainly just office office based single role?\n\nChannel 1: Yeah. No. I'm just in the office. I'm going out and do I'm not supervising anybody because the word coordinator in it, you would think it would be the words we have coordinating staff, but it's not. It's coordinating the documentation.\n\nChannel 0: Beautiful.\n\nChannel 1: So\n\nChannel 0: And is\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: part\n\nChannel 1: do yes. Yeah. I only work two, five hour days, ten hours a week. I can work up to seventy hours a fortnight, and I will be my\n\nChannel 0: time?\n\nChannel 1: new contract just been authorized because it was finished on the August 18, but I've now got another twelve months. And there will be some times where I will be doing more than the ten hours a week on specific projects.\n\nChannel 0: Yep. So can can increase with specific projects. And based on that base income, what would\n\nChannel 1: Mhmm.\n\nChannel 0: the yearly or weekly fortnightly income look like before tax?\n\nChannel 1: It's it's yeah. I think that now. It's $8.55 for my ten days a week. So my twenty days of fortnight, I get $8.55 and 1¢.\n\nChannel 0: $8.55 a week, was it?\n\nChannel 1: That's gross.\n\nChannel 0: Yep. Alright. $8.55 gross per week. Could be a little bit\n\nChannel 1: No.\n\nChannel 0: more with project\n\nChannel 1: Fort\n\nChannel 0: overtime.\n\nChannel 1: fortnightly fortnightly. Sorry.\n\nChannel 0: Fortnightly.\n\nChannel 1: Fortnightly.\n\nChannel 0: Thank\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: for\n\nChannel 1: said\n\nChannel 0: clarifying\n\nChannel 1: fortnightly.\n\nChannel 0: that. Fortnightly gross and then obviously a bit of top up if it's project related. So outside of that, we'll go with the $22.02 30 as a minimum.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Perfect. Alright. Got that updated. Thank you. Just quickly in terms of assets and liabilities,\n\nChannel 1: Yep.\n\nChannel 0: we had your sorry. Was that previous home there? Let me have a quick look. I've got 24 Mile Street\n\nChannel 1: No. We\n\nChannel 0: valued\n\nChannel 1: sold\n\nChannel 0: at\n\nChannel 1: that.\n\nChannel 0: 500,000. Yeah. That was sold.\n\nChannel 1: No. Yeah. We sold that in 2023.\n\nChannel 0: Yep. And then did you buy the current residence?\n\nChannel 1: No. Because we'd already had that as a rental. We\n\nChannel 0: There\n\nChannel 1: bought\n\nChannel 0: we go.\n\nChannel 1: we bought we bought the rental in because we actually owned four properties. And in 2023, we sold three of them and moved into the rental.\n\nChannel 0: Perfect.\n\nChannel 1: We own\n\nChannel 0: Okay.\n\nChannel 1: two\n\nChannel 0: So\n\nChannel 1: two\n\nChannel 0: four properties\n\nChannel 1: houses,\n\nChannel 0: sold three.\n\nChannel 1: five acres of land, and a rental, and we sold the two houses. We sold the land, moved into the rental.\n\nChannel 0: Moved into the rental. That's amazing. So I've just got this new system, and we've merged all your data across. And I'm staring at, like, four of them, and I'm just trying\n\nChannel 1: You\n\nChannel 0: to make\n\nChannel 1: are.\n\nChannel 0: sure I've got it lined up. So for the current property, do you have anything owing on it, or is it all just cleared now because of the sales?\n\nChannel 1: Yeah. No. It's free. It's mortgage free.\n\nChannel 0: Perfect. So what I might do is I'll put that as your primary residence now,\n\nChannel 1: Mhmm.\n\nChannel 0: and\n\nChannel 1: Mhmm.\n\nChannel 0: let me just grab this. I was just gonna do a quick updated online evaluation unless you've got an idea of what it's looking like these days.\n\nChannel 1: And last time, it said 400,000. So but you never know with the market now because when we moved to Ashford, there was 30 houses for sale. Now you don't get a house sale as soon as it comes\n\nChannel 0: Yep. Gotcha.\n\nChannel 1: up\n\nChannel 0: Market's changed\n\nChannel 1: itself.\n\nChannel 0: a little\n\nChannel 1: Oh,\n\nChannel 0: bit.\n\nChannel 1: yeah.\n\nChannel 0: Alright. So that one's on now. I'll put 400 for now. It's not gonna be too much of an issue. And there was please forgive me for this.\n\nSo we had a number of vehicles listed. So it was just a I'll run through them. We have a caravan and a boat,\n\nChannel 1: Yes. We do.\n\nChannel 0: tractor.\n\nChannel 1: But I do. And I don't share.\n\nChannel 0: Perfect. Two utes and a Ford.\n\nChannel 1: Yes. That is correct.\n\nChannel 0: Perfect. We had about $6 in savings and about a 150,000 in term deposits.\n\nChannel 1: 156 in term deposits now at last count.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: And\n\nChannel 0: K.\n\nChannel 1: savings, that's that's about the same. I've got\n\nChannel 0: Yep.\n\nChannel 1: well, there's 9,500 in the safe and whatever it is in the bank account. So oh, I said\n\nChannel 0: Awesome.\n\nChannel 1: I have oh, I said cash only.\n\nChannel 0: Or I'll put 9.5 in there for now. Amazing. So that actually really helps the conversation around retirement. Often people ask me, why do you need to know about my term deposits and my properties and all this kind of thing? And it's for exactly this conversation.\n\nBecause with the super so you're in a growth portfolio with BT Panorama, and\n\nChannel 1: Mhmm.\n\nChannel 0: it's essentially like a four out of five on the risk scale. Around 80% of your money is in growth assets, shares\n\nChannel 1: Mhmm.\n\nChannel 0: in property and gold. 20% is in the safer side of things. Now with that growth portfolio, normally, you wanna have around about seven to nine years before retirement to take on that level of risk to get that level of return.\n\nChannel 1: But I've already retired.\n\nChannel 0: We sorry?\n\nChannel 1: I've already retired. I only went back to casual work because I was bored.\n\nChannel 0: There we go. So when it comes to the growth of the funds in the background, the question is, because you've got that preservation age at 60, how\n\nChannel 1: Mhmm.\n\nChannel 0: much do we wanna focus on going for as much growth as possible to build that up from 300,000 to 4, five, 6, and beyond? And versus how much do we need to kind of protect that for any uses that you may need it for?\n\nChannel 1: Well, you've only got eighteen months and all b 60. So you don't have\n\nChannel 0: Yeah.\n\nChannel 1: a lot of time to build it any further than what it is.\n\nChannel 0: Exactly. So what I was thinking leading into this conversation was whether we step it down a little bit in the risk level. Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%. But in a growth portfolio, that could be 15 or 20%\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: if\n\nChannel 1: Yes.\n\nChannel 0: we had a big global financial crisis again.\n\nChannel 1: Hello. Tell me about it, especially with Trump. You don't know what's gonna happen to the gold market.\n\nChannel 0: Yeah. So what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year. So you haven't lost anything, but it could do that in the next twelve months or\n\nChannel 1: Yes.\n\nChannel 0: so. So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile? Will we go from 80% to 70%, or do we go a lot further than that and not really focus as much on growing\n\nChannel 1: Well, I think we need to especially, let's, like, for me for the year coming up, I think it needs to be preserved\n\nChannel 0: it?\n\nChannel 1: because, you know, he he's locked it straight down again. So we're price is fuel down up, so the whole market's gonna change again. And as she said, I'm only just sitting pretty. I haven't had a loss, but I haven't had a win. So I think we\n\nChannel 0: Yes.\n\nChannel 1: do need to look it down more than the 70% because right now, I don't I'm not in a position to gain anything, so I just don't wanna lose anything.\n\nChannel 0: Yes. So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest.\n\nChannel 1: I'm happy with $50.50 at this stage. Because like I said, I'm still working, so I'm still contributing to it.\n\nChannel 0: Yep. And it's not that critical that if something really bad happened, you could maybe hold on for a couple of years before having to pull it all out kind of thing.\n\nChannel 1: Yeah. Oh, I'll be pulling it all out. We'll be rolling it over or something. I don't need to pull it out. That's that's\n\nChannel 0: Yeah.\n\nChannel 1: not gonna\n\nChannel 0: So we just focus on protection now, bit of moderate growth. And\n\nChannel 1: happen.\n\nChannel 0: then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just\n\nChannel 1: Yeah.\n\nChannel 0: let it sit there nice and safe. Cool.\n\nChannel 1: Well,\n\nChannel 0: Alright.\n\nChannel 1: I bet\n\nChannel 0: That's perfect.\n\nChannel 1: I I sort of wanna be pulling a pension out of it when I turn 60 because I'm still looks like the council will employ me to the year dot, and I'm happy to do the two five o shifts away. Oh, we won't go there. I was sort of forced into this job because I didn't want it, and they accommodated me, and they are very, very nice to me. So I will do it. Because\n\nChannel 0: They're\n\nChannel 1: I\n\nChannel 0: very\n\nChannel 1: had\n\nChannel 0: persuasive and polite.\n\nChannel 1: as I said, I had retired, and then I was sort of begged to come into this role, and they're very good to me.\n\nChannel 0: Yep.\n\nChannel 1: Very good to me. So I'll keep going through as long as I want to, as long as I my boredom at bay. So\n\nChannel 0: Yep.\n\nChannel 1: I I at 60, I I won't be pulling the pension down. Not to the stage where I go, right. I no. I've had enough. Nobody's listening to me at work.\n\nI don't wanna work there anymore because usually takes me ten years and we're at year one.\n\nChannel 0: Yeah.\n\nChannel 1: So I think\n\nChannel 0: And\n\nChannel 1: we've got we've got a few\n\nChannel 0: when\n\nChannel 1: years\n\nChannel 0: that\n\nChannel 1: ago\n\nChannel 0: happens,\n\nChannel 1: yet.\n\nChannel 0: do we have a bit of an idea on how like, what I wanna do is basically update a little projection for you and say let's say day\n\nChannel 1: Mhmm.\n\nChannel 0: dot 60 happens and you need to do that. How long will the funds last with a certain drawdown? Do you have a bit of an an amount in mind?\n\nChannel 1: I don't know. What's the norm? Because\n\nChannel 0: A\n\nChannel 1: she's\n\nChannel 0: lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days.\n\nChannel 1: We'll see. Unfortunately, right now, Peggy and I don't live together because he's in assisted living. He's in a still house because he had a back injury and is paralyzed.\n\nChannel 0: Yeah.\n\nChannel 1: So he he actually lives in the town that I work in. So he has the pension, the envelope pension.\n\nChannel 0: Yeah.\n\nChannel 1: And I do my twenty eight to fortnight and get some money off the government because I still get half of my Centrelink. And I I don't I survive on on, like, $1,300 a fortnight into my bank account, and I can still add to my term deposits. We we don't have a lot of expenses.\n\nChannel 0: Yeah. And\n\nChannel 1: So\n\nChannel 0: with the 13\n\nChannel 1: yeah.\n\nChannel 0: 100 a fortnight, is that so what type of pension is it? Is it carer's pension, job seeker type?\n\nChannel 1: Me. That's wages and and job seeker. And Peter, he gets, like, $1,465 pension and rent assistance with his. So his money is his money, and he contributes when there's a red joe due of one of his freaking use. But the rest of it,\n\nChannel 0: Yeah.\n\nChannel 1: rates, phone, power, like, pay it. We've got solar. You know, the pay bill's a $100 a month, and I I don't I don't have expense. It's it's really hard for people to understand, but I don't have expenses. Literally.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I don't. I don't I don't have any credit cards. I don't have any debts. I don't have you know, I have rego's insurance rates and taxes, the phone bill, and the pay bill.\n\nThat's it. So, you know, a thousand dollars a a a week is I've been just adding to my term deposits if I took that out of my pension out of my super. So what's the what's the your projection? If it is a thousand dollars a week coming out as a payment from the super when it gets rolled over, how the super amount that I've currently got or the projection of what I'll have at 60, how many have the what's the time frame coming out of that? How\n\nChannel 0: Yeah.\n\nChannel 1: many\n\nChannel 0: So\n\nChannel 1: years?\n\nChannel 0: I'll I'll update in the next plan that I've sent through to you. But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted. Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy. You'd be talking somewhere in the nineties before the funds run out just from the super,\n\nChannel 1: Yes.\n\nChannel 0: not taking into account contributing anything from the term deposit to kind of fill out a pension account or anything. So do you want me to kinda just go for for income replacement for what you're earning now?\n\nChannel 1: Yeah. Why not? Because like I said, it's it's, you know, could add 10% of cost inflation over the next five years. But apart from that, yeah, that's fine. Yeah.\n\nGo for it.\n\nChannel 0: And that's what I'm sort of thinking is if I go with those drawdowns, rather than just going fully defensive to just protect the 300,000 and then drop that out to you, the moderate is gonna get you that little bit of extra growth to keep up with inflation and then maintain that level of income for quite\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: Absolutely.\n\nChannel 0: while.\n\nChannel 1: Go through. Yes.\n\nChannel 0: Sound good for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. When we hit 60, we'll have another conversation about what type of account to switch it into. If\n\nChannel 1: Mhmm.\n\nChannel 0: you're still working, we leave it alone. If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out. So\n\nChannel 1: Yes.\n\nChannel 0: when the time comes, I'll kind of be ready to pull\n\nChannel 1: Yes.\n\nChannel 0: the trigger on that. Perfect. So that'll be the main thing. I am gonna update your portfolio a little bit. Been talking with Barton Sevvy and the investment committee.\n\nFew things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out. Would you be okay for me to kind of look for some lower fee investments as we go a bit more defensive?\n\nChannel 1: Yes. Yeah. No. That's great.\n\nChannel 0: Yep. Cool. We kind of call them bit bit more passive index funds, which means lower fees, bit more consistent in the returns rather than trying to chase for shooting the lights out.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. In terms of estate planning and everything, we do have that you guys have the advanced health care directive, Peter. You've got a will in place,\n\nChannel 1: Yep.\n\nChannel 0: the beneficiary\n\nChannel 1: Yep.\n\nChannel 0: nomination,\n\nChannel 1: Yes.\n\nChannel 0: so that's all looking good. I'm assuming we're not looking for anything insurance related, like life insurance anything to add on.\n\nChannel 1: No.\n\nChannel 0: No. Awesome. Outside of that, any major goals or priorities for the next two to five years for you?\n\nChannel 1: No. Apart from getting my bloody daughter to paint the inside of my house because I'll build you anything. I just don't paint. No. No.\n\nWe're you know, we're just right now, Peter's away and ride at a rehab center doing some extra work with his chair and and some physical equipment for his arm exercises and that. So we just right now, we're just soldiering on with Peter's health because, you know, he's 61 and and now in a wheelchair.\n\nChannel 0: Yeah.\n\nChannel 1: Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that. So\n\nChannel 0: Yep.\n\nChannel 1: that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that. So\n\nChannel 0: Oh, you're quite close to Enviro at the moment.\n\nChannel 1: 57 K is going in.\n\nChannel 0: Oh, wow. I used\n\nChannel 1: So\n\nChannel 0: to go out there camping with my dad to go fossicking for sapphires and topaz.\n\nChannel 1: Mhmm. Yeah. Well, Pete's actually in in Burrell. He's\n\nChannel 0: Oh,\n\nChannel 1: he's\n\nChannel 0: wow.\n\nChannel 1: we're yeah. He he's in a still house in here, and I'm still but I'm still in Ashford. Yeah.\n\nChannel 0: Yeah. Cool. Alrighty. So I've pretty much got everything I need to go and do some research. What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: seems\n\nChannel 0: I'm just\n\nChannel 1: good.\n\nChannel 0: getting on a bit of leave. Thank you. Number three, my boys are smitten. I'm basically gonna yes. Yes.\n\nWe did. We wouldn't\n\nChannel 1: Can't\n\nChannel 0: have\n\nChannel 1: tell\n\nChannel 0: been\n\nChannel 1: it to you, but, Gail.\n\nChannel 0: Yes. We did. We wouldn't have been disappointed with three boys, but it was it was lucky that we got it there in the end. So the family is now completed.\n\nChannel 1: Yeah. I had a boy and a girl. So he's pretty much in here. I need more anymore.\n\nChannel 0: Congrats. I'm gonna get the team to kind of update the new portfolio just while I'm away. And then\n\nChannel 1: Mhmm.\n\nChannel 0: as soon as I come back, we'll book you in, and I'll walk you through the document. And then\n\nChannel 1: Beautiful.\n\nChannel 0: I can alter everything if you're happy with it.\n\nChannel 1: Yep. Lovely.\n\nChannel 0: Awesome. Any questions for me before I let you go?\n\nChannel 1: Nope. No. That's absolutely fine. Thanks so much.\n\nChannel 0: Cool. Just a bit of a heads up that the pack that I sent you to the email, it has your, super summary. It's got your NEOS certificate of currency there as well. I needed to just quickly ask you about your NEOS insurance.\n\nChannel 1: Mhmm. Gotcha.\n\nChannel 0: You've got 300,000 worth of life and disability insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: It's creeping up. It's kind of sitting around that 2.5 to 3,000 mark. And over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the\n\nChannel 1: Yeah.\n\nChannel 0: next seven years. So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now?\n\nChannel 1: What would your alterations be?\n\nChannel 0: It's usually based on needs, to be honest. And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for. Because TPD insurance, that would be 300,000. Like, if you fell into a similar situation and you could, you know, renovate the home and and all that kind of thing. Life insurance if you passed away, normally, to clear mortgages and assist in the the partner.\n\nSo would that be helpful for Peter if you passed away?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because he would be he would have to then be he would have to actually sell the property that was got, and he\n\nChannel 0: Yeah.\n\nChannel 1: would need to the price of of houses these days. He would have to build a fix and purpose home for himself. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I think we looked at it last year, and we thought, well, this for what it is and the little bit of it increased, there was no use dropping any like, dropping it to, like, 200,000 because it wasn't wasn't much of change.\n\nChannel 0: Yeah.\n\nChannel 1: Right. So I think, you know, while I'm working, traveling backwards and forwards, you never know when somebody's gonna freaking run into me. Nearly, I'll take that one cattle truck the other day, which was half on my side of the road coming around the corner. So you just need\n\nChannel 0: Oh.\n\nChannel 1: to know. So I'm happy to keep it there. You know, while Peter is still coherent enough not to be in the nursing home, I would really like to keep it there because it's a benefit to him to look after himself while when I'm not\n\nChannel 0: Yep.\n\nChannel 1: there.\n\nChannel 0: Bit of peace of mind for the next couple of years until you don't\n\nChannel 1: Yep.\n\nChannel 0: need it anymore.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yep. Awesome. And just bear in mind too that we can do a similar situation. If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight.\n\nChannel 1: Mhmm.\n\nChannel 0: Something similar can be set up as well. So\n\nChannel 1: Yes.\n\nChannel 0: we would do our best, and we would assist with any insurance claims as well. So I don't know\n\nChannel 1: Well,\n\nChannel 0: if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance. So please\n\nChannel 1: Well\n\nChannel 0: just bear\n\nChannel 1: but\n\nChannel 0: that in mind.\n\nChannel 1: but sister-in-law would be the one pushing your buttons. It would be Julia.\n\nChannel 0: Cool. Alright, Julie. Well, let us know straight away.\n\nChannel 1: Yeah. Yeah. Yeah. She would. Yeah.\n\nShe would be she would be the one that would be assisting our daughter, Marina, to find out what's all the go is because\n\nChannel 0: Yep.\n\nChannel 1: she's she's my best friend. So friends in high places in this this room, mate. I tell you.\n\nChannel 0: Absolutely. Actually, I don't know if he's gone home yet, but yeah. About to go home. That's fine. I do have a consent agreement as well for BT Panorama to be remaining\n\nChannel 1: Mhmm.\n\nChannel 0: as your advisers.\n\nChannel 1: Yes.\n\nChannel 0: Same agreement as last time, 1.65% spread through the year, and that has a bit of a reference date, 08/01/2027.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Any questions for me before I let you go?\n\nChannel 1: No. Absolutely fine. Thank you so much.\n\nChannel 0: Awesome. I appreciate you sitting in the car park having this conversation with me. It\n\nChannel 1: No.\n\nChannel 0: was\n\nChannel 1: Yes.\n\nChannel 0: very, very helpful. I would love nothing more than to go and drop the risk level of your portfolio. So leave it with me, and as soon as I get back, we will run through it together\n\nChannel 1: Yep. Easier. Talk\n\nChannel 0: and\n\nChannel 1: to you then.\n\nChannel 0: get\n\nChannel 1: Have\n\nChannel 0: that\n\nChannel 1: fun.\n\nChannel 0: sorted. Thanks, Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.02039024606347084},{"text":"Allyn speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.025021224282681942}],"sentiment":"neutral","sentiment_score":0.02347756487627824,"channel":1,"num_words":3,"start":0.79999995,"end":2.1},{"sentences":[{"text":"Hi, Eileen.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.1142304316163063},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.84,"end":6.48,"sentiment":"neutral","sentiment_score":0.1341988854110241},{"text":"How are you doing today?","start":6.48,"end":7.62,"sentiment":"neutral","sentiment_score":0.12903689444065095}],"sentiment":"neutral","sentiment_score":0.12981576124827068,"channel":0,"num_words":15,"start":3.04,"end":7.62},{"sentences":[{"text":"Good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.4294839799404144},{"text":"Thank you.","start":8.16,"end":8.82,"sentiment":"positive","sentiment_score":0.6934608817100525}],"sentiment":"positive","sentiment_score":0.6054685811201731,"channel":1,"num_words":3,"start":7.7599998,"end":8.82},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":9.44,"end":11.139999,"sentiment":"positive","sentiment_score":0.8130054324865341},{"text":"It's been a beautiful start to the week.","start":11.2,"end":12.799999,"sentiment":"positive","sentiment_score":0.8106108158826828},{"text":"What about your 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correct.","start":371.11,"end":372.00998,"sentiment":"neutral","sentiment_score":0.2990297128756841}],"sentiment":"neutral","sentiment_score":0.2638225592672825,"channel":1,"num_words":4,"start":370.15,"end":372.00998},{"sentences":[{"text":"Perfect.","start":371.575,"end":372.075,"sentiment":"positive","sentiment_score":0.5639009475708008},{"text":"We had about $6 in savings and about a 150,000 in term deposits.","start":372.695,"end":377.035,"sentiment":"neutral","sentiment_score":0.19707236610926115}],"sentiment":"neutral","sentiment_score":0.22327440764222825,"channel":0,"num_words":14,"start":371.575,"end":377.035},{"sentences":[{"text":"156 in term deposits now at last 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that's that's about the same.","start":385.375,"end":387.135,"sentiment":"neutral","sentiment_score":0.19312591602404913},{"text":"I've got","start":387.135,"end":387.535,"sentiment":"neutral","sentiment_score":0.15249638259410858}],"sentiment":"neutral","sentiment_score":0.182968532666564,"channel":1,"num_words":8,"start":385.375,"end":387.535},{"sentences":[{"text":"Yep.","start":387.62,"end":388.12,"sentiment":"neutral","sentiment_score":0.14488664269447327}],"sentiment":"neutral","sentiment_score":0.14488664269447327,"channel":0,"num_words":1,"start":387.62,"end":388.12},{"sentences":[{"text":"well, there's 9,500 in the safe and whatever it is in the bank account.","start":387.695,"end":390.975,"sentiment":"neutral","sentiment_score":0.1902416625193187},{"text":"So oh, I 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I'll update in the next plan that I've sent through to you.","start":852.885,"end":856.0,"sentiment":"neutral","sentiment_score":0.020916107128589198},{"text":"But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted.","start":856.0,"end":866.10004,"sentiment":"neutral","sentiment_score":-0.07271328668243118},{"text":"Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy.","start":866.445,"end":877.425,"sentiment":"neutral","sentiment_score":-0.044170529374645814},{"text":"You'd be talking somewhere in the nineties before the funds run out just from the 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with Barton Sevvy and the investment committee.","start":958.835,"end":961.975,"sentiment":"neutral","sentiment_score":0.07443381970127423}],"sentiment":"neutral","sentiment_score":0.194124070606355,"channel":0,"num_words":29,"start":953.395,"end":961.975},{"sentences":[{"text":"Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out.","start":962.675,"end":968.38995,"sentiment":"neutral","sentiment_score":0.010393153964763596},{"text":"Would you be okay for me to kind of look for some lower fee investments as we go a bit more 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questions for me before I let you go?","start":1376.5651,"end":1378.585,"sentiment":"neutral","sentiment_score":0.09183154337935978}],"sentiment":"neutral","sentiment_score":0.09183154337935978,"channel":0,"num_words":9,"start":1376.5651,"end":1378.585},{"sentences":[{"text":"No.","start":1378.77,"end":1379.01,"sentiment":"neutral","sentiment_score":0.03674544394016266},{"text":"Absolutely fine.","start":1379.01,"end":1379.81,"sentiment":"neutral","sentiment_score":0.2119325026869774},{"text":"Thank you so much.","start":1379.81,"end":1380.7101,"sentiment":"positive","sentiment_score":0.4229270741343498}],"sentiment":"neutral","sentiment_score":0.3074741065502167,"channel":1,"num_words":7,"start":1378.77,"end":1380.7101},{"sentences":[{"text":"Awesome.","start":1380.965,"end":1381.4451,"sentiment":"positive","sentiment_score":0.5396922826766968},{"text":"I appreciate you sitting in the car park having this conversation with 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very helpful.","start":1385.02,"end":1386.24,"sentiment":"positive","sentiment_score":0.8149693012237549},{"text":"I would love nothing more than to go and drop the risk level of your portfolio.","start":1386.9401,"end":1391.28,"sentiment":"positive","sentiment_score":0.6661145091056824},{"text":"So leave it with me, and as soon as I get back, we will run through it 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Bye.","start":1398.503,"end":1399.963,"sentiment":"positive","sentiment_score":0.6187493205070496}],"sentiment":"positive","sentiment_score":0.5413119395573934,"channel":0,"num_words":3,"start":1398.083,"end":1399.963},{"sentences":[{"text":"Okay.","start":1399.615,"end":1400.015,"sentiment":"positive","sentiment_score":0.35895130038261414},{"text":"Bye.","start":1400.015,"end":1400.515,"sentiment":"neutral","sentiment_score":-0.1251547485589981}],"sentiment":"neutral","sentiment_score":0.11689827591180801,"channel":1,"num_words":2,"start":1399.615,"end":1400.515}]},"summary":{"result":"success","short":"During a call with Eileen from Oakview Financial, Tommy updates her details, asks about her work schedule and goals for the next year, and updates her assets and liabilities. They discuss retirement plans and the possibility of a new insurance system, as well as her retirement funds and retirement plans. The speakers provide projections for retirement and income replacement, and discuss options for investment plans with the customer. They also mention their plans for estate planning and building a home with their daughter. The conversation ends with the speaker giving permission for the other speaker to speak."},"intents":{"segments":[{"text":"I'm just heading to the car park so I can talk to you. End?","start_word":42,"end_word":55,"intents":[{"intent":"Book appointment","confidence_score":0.00069862074}]},{"text":"And what are you doing for the council? Total quality coordinator is my title. Total quality coordinator. Sounds very Mhmm. It does. It's not exactly it's not exactly what the word says. Righto. So I am making sure that all of their documentation, all the paperwork they're using responsible. is up to standard, and it's not, by the way. Never is, is it?","start_word":345,"end_word":407,"intents":[{"intent":"Providing information","confidence_score":0.11296557}]},{"text":"So I am making sure that all of their documentation, all the paperwork they're using responsible. is up to standard, and it's not, by the way. Never is, is it?","start_word":378,"end_word":407,"intents":[{"intent":"Coordinating documentation","confidence_score":0.0029253876}]},{"text":"the yearly or weekly fortnightly income look like before tax? It's it's yeah. I think that now. It's $8.55 for my ten days a week. So my twenty days of fortnight, I get $8.55 and 1<unk>. $8.","start_word":569,"end_word":605,"intents":[{"intent":"Providing current income","confidence_score":0.0000017604473}]},{"text":"Just quickly in terms of assets and liabilities, Yep. we had your sorry. Was that previous home there? Let me have a quick look. I've got 24 Mile Street No. We valued sold at that. 500,000. Yeah.","start_word":679,"end_word":715,"intents":[{"intent":"Inquire about property sales","confidence_score":0.0037704867}]},{"text":"And then did you buy the current residence? No.","start_word":727,"end_word":735,"intents":[{"intent":"Inquire about current residence","confidence_score":0.0033310757}]},{"text":"So I've just got this new system, and we've merged all your data across. And I'm staring at, like, four of them, and I'm just trying You to make are.","start_word":814,"end_word":843,"intents":[{"intent":"Update system","confidence_score":0.00967171}]},{"text":"So but you never know with the market now because when we moved to Ashford, there was 30 houses for sale. Now you don't get a house sale as soon as it comes Yep.","start_word":931,"end_word":964,"intents":[{"intent":"Identify potential house sale","confidence_score":0.00021745336}]},{"text":"We had about $6 in savings and about a 150,000 in term deposits. 156 in term deposits now at last count. Perfect. Perfect.","start_word":1049,"end_word":1071,"intents":[{"intent":"Discuss retirement savings and term deposits","confidence_score":0.0011134868}]},{"text":"Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%. But in a growth portfolio, that could be 15 or 20% Mhmm.","start_word":1383,"end_word":1415,"intents":[{"intent":"Discuss fund levels and forecasts","confidence_score":0.0000023055777}]},{"text":"So what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year. So you haven't lost anything, but it could do that in the next twelve months or Yes.","start_word":1445,"end_word":1499,"intents":[{"intent":"Determine asset value","confidence_score":0.0005953709}]},{"text":"So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile?","start_word":1501,"end_word":1521,"intents":[{"intent":"Determine investment level","confidence_score":0.0004181458},{"intent":"Determine investor's risk profile","confidence_score":0.0008850909},{"intent":"Determine investment strategy","confidence_score":0.046982344},{"intent":"Inquire about portfolio risks","confidence_score":0.000016204202},{"intent":"Inquire about portfolio risk level","confidence_score":0.000025846568}]},{"text":"So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest.","start_word":1650,"end_word":1711,"intents":[{"intent":"Recommend portfolio options","confidence_score":0.001071511}]},{"text":"Oh, I'll be pulling it all out. We'll be rolling it over or something. I don't need to pull it out. That's that's Yeah. not gonna So we just focus on protection now, bit of moderate growth. And happen. then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just Yeah.","start_word":1765,"end_word":1836,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0073969695}]},{"text":"I I sort of wanna be pulling a pension out of it when I turn 60 because I'm still looks like the council will employ me to the year dot, and I'm happy to do the two five o shifts away.","start_word":1851,"end_word":1891,"intents":[{"intent":"Evaluate retirement benefits","confidence_score":0.0050709494}]},{"text":"How long will the funds last with a certain drawdown?","start_word":2088,"end_word":2097,"intents":[{"intent":"Update projection for fund duration","confidence_score":0.075209774}]},{"text":"Do you have a bit of an an amount in mind? I don't know. What's the norm? Because A she's lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days. We'll see.","start_word":2099,"end_word":2165,"intents":[{"intent":"Provide information","confidence_score":0.0004298812}]},{"text":"Because A she's lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days. We'll see.","start_word":2115,"end_word":2164,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0007522818}]},{"text":"I'll I'll update in the next plan that I've sent through to you.","start_word":2514,"end_word":2526,"intents":[{"intent":"Update plan","confidence_score":0.057708945}]},{"text":"If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out. So Yes.","start_word":2778,"end_word":2817,"intents":[{"intent":"Build a system","confidence_score":0.0000052157043}]},{"text":"I am gonna update your portfolio a little bit.","start_word":2840,"end_word":2848,"intents":[{"intent":"Update portfolio","confidence_score":0.79010254}]},{"text":"Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out. Would you be okay for me to kind of look for some lower fee investments as we go a bit more defensive? Yes. Yeah.","start_word":2858,"end_word":2902,"intents":[{"intent":"Switch investments","confidence_score":0.7475225}]},{"text":"Outside of that, any major goals or priorities for the next two to five years for you?","start_word":2997,"end_word":3013,"intents":[{"intent":"Complete tasks","confidence_score":0.0026559979}]},{"text":"Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that. So Yep.","start_word":3096,"end_word":3136,"intents":[{"intent":"Build on health","confidence_score":0.23312418}]},{"text":"that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that.","start_word":3138,"end_word":3179,"intents":[{"intent":"Sell farm","confidence_score":0.40136823},{"intent":"Move into interrail house","confidence_score":0.009575805}]},{"text":"What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born.","start_word":3262,"end_word":3287,"intents":[{"intent":"Go on leave","confidence_score":0.1961612}]},{"text":"I'm gonna get the team to kind of update the new portfolio just while I'm away.","start_word":3376,"end_word":3391,"intents":[{"intent":"Update portfolio","confidence_score":0.7296891}]},{"text":"as soon as I come back, we'll book you in, and I'll walk you through the document. And then Beautiful.","start_word":3395,"end_word":3414,"intents":[{"intent":"Book in","confidence_score":0.22204407}]},{"text":"I needed to just quickly ask you about your NEOS insurance.","start_word":3477,"end_word":3487,"intents":[{"intent":"Ask about neos insurance","confidence_score":0.08935428}]},{"text":"It's creeping up. It's kind of sitting around that 2.5 to 3,000 mark. And over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the Yeah.","start_word":3500,"end_word":3528,"intents":[{"intent":"Discuss potential cost increase","confidence_score":0.000009634686}]},{"text":"So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now? What would your alterations be?","start_word":3532,"end_word":3572,"intents":[{"intent":"Review alterations","confidence_score":0.4184635},{"intent":"Consider alterations","confidence_score":0.10348892}]},{"text":"What would your alterations be?","start_word":3568,"end_word":3572,"intents":[{"intent":"Determine alterations","confidence_score":0.024122477}]},{"text":"It's usually based on needs, to be honest. And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for.","start_word":3573,"end_word":3604,"intents":[{"intent":"Assess needs","confidence_score":0.01167244},{"intent":"Address potential liabilities","confidence_score":0.0000014391441}]},{"text":"yeah, I think we looked at it last year, and we thought, well, this for what it is and the little bit of it increased, there was no use dropping any like, dropping it to, like, 200,000 because it wasn't wasn't much of change. Yeah.","start_word":3713,"end_word":3757,"intents":[{"intent":"Discuss potential fallout","confidence_score":0.000057433608}]},{"text":"If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight.","start_word":3892,"end_word":3926,"intents":[{"intent":"Assist pter with pension account","confidence_score":0.061148096}]},{"text":"Something similar can be set up as well. So Yes. we would do our best, and we would assist with any insurance claims as well. So I don't know Well, if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance.","start_word":3928,"end_word":3984,"intents":[{"intent":"Set up insurance claim","confidence_score":0.16178624}]}]},"sentiments":{"segments":[{"text":"Hello. Allyn speaking. Hi, Eileen. It's Tommy here, senior adviser from Oakview Financial. How are you doing today?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1051739901304245},{"text":"Good. Thank you. I'm doing absolutely fantastic. It's been a beautiful start to the week.","start_word":18,"end_word":32,"sentiment":"positive","sentiment_score":0.7599457502365112},{"text":"What about your end? Well, now just finished work. I'm just heading to the car park so I can talk to you. End? Oh, no Because worries. Well, thank you for taking the time.","start_word":33,"end_word":66,"sentiment":"neutral","sentiment_score":0.01810808666050434},{"text":"Now if I I wanted drive home, I'd lose service.","start_word":67,"end_word":76,"sentiment":"negative","sentiment_score":-0.37319061160087585},{"text":"You wouldn't get me, so I'm just gonna park over oh, it would cut out. here. Okay. Well, I'll try to make sure I don't take up too much time so you're sitting Yeah. in No. the car park for too long. Absolutely. I've got a 03:45 at the chiropractor, so take your time.","start_word":77,"end_word":130,"sentiment":"neutral","sentiment_score":-0.11454865336418152},{"text":"Beautiful.","start_word":131,"end_word":131,"sentiment":"positive","sentiment_score":0.350922554731369},{"text":"Okay. So what I'll do is I've got a bit of a Mhmm. review pack that I'll send out to you. I'm just gonna go through quick security check with you, update some details, and then work out what kind of strategies we can look at for this next year. Now while that's coming through to you, I just wanted to double check for security. Now we do record all of our phone calls. Could I Mhmm. just check your date of birth and address, please? 01/18/1968, Yep. and 12 To 14 Martin Street, Ashford, New South Wales 2365. Perfect.","start_word":132,"end_word":231,"sentiment":"neutral","sentiment_score":0.05369925498962402},{"text":"Thank you so much for that.","start_word":232,"end_word":237,"sentiment":"positive","sentiment_score":0.3772318959236145},{"text":"Now outside No. of my agenda of updating your details and touching on a few super ideas and the insurances and so on, Is there anything in particular you're hoping to get out of this review? No. Just to make sure that I'm in the right spot because, you know, getting older and only working part time now and yeah. Oh, we need to Absolutely. update that I started back at work. Oh, nice. Okay. Cool. So let's start there. I had you doing customer service for Belgravia. No. I don't work at the pool anymore. I work for Inverar or Shire Council. Royal Shire Council.","start_word":238,"end_word":343,"sentiment":"neutral","sentiment_score":-0.0341096930205822},{"text":"Amazing.","start_word":344,"end_word":344,"sentiment":"positive","sentiment_score":0.5987917184829712},{"text":"And what are you doing for the council? Total quality coordinator is my title. Total quality coordinator. Sounds very Mhmm. It does. It's not exactly it's not exactly what the word says. Righto. So I am making sure that all of their documentation, all the paperwork they're using responsible. is up to standard, and it's not, by the way. Never is, is it? No. Systems up to standard. Alrighty. And do you do any kind of managerial work, or is it mainly just office office based single role? Yeah. No. I'm just in the office. I'm going out and do I'm not supervising anybody because the word coordinator in it, you would think it would be the words we have coordinating staff, but it's not. It's coordinating the documentation.","start_word":345,"end_word":473,"sentiment":"neutral","sentiment_score":0.025131629779934883},{"text":"Beautiful.","start_word":474,"end_word":474,"sentiment":"positive","sentiment_score":0.39831769466400146},{"text":"So And is I that I part do yes. Yeah. I only work two, five hour days, ten hours a week. I can work up to seventy hours a fortnight, and I will be my time? new contract just been authorized because it was finished on the August 18, but I've now got another twelve months. And there will be some times where I will be doing more than the ten hours a week on specific projects. Yep. So can can increase with specific projects. And based on that base income, what would Mhmm. the yearly or weekly fortnightly income look like before tax? It's it's yeah. I think that now. It's $8.55 for my ten days a week. So my twenty days of fortnight, I get $8.55 and 1<unk>. $8.55 a week, was it? That's gross. Yep. Alright. $8.55 gross per week. Could be a little bit No. more with project Fort overtime. fortnightly fortnightly. Sorry. Fortnightly. Fortnightly. Thank I you just for said clarifying fortnightly. that. Fortnightly gross and then obviously a bit of top up if it's project related. So outside of that, we'll go with the $22.02 30 as a minimum. Mhmm. Mhmm.","start_word":475,"end_word":671,"sentiment":"neutral","sentiment_score":0.025575692089378533},{"text":"Perfect.","start_word":672,"end_word":672,"sentiment":"positive","sentiment_score":0.4108953475952149},{"text":"Alright.","start_word":673,"end_word":673,"sentiment":"neutral","sentiment_score":0.2315947711467743},{"text":"Got that updated. Thank you.","start_word":674,"end_word":678,"sentiment":"positive","sentiment_score":0.4120410084724426},{"text":"Just quickly in terms of assets and liabilities, Yep. we had your sorry. Was that previous home there? Let me have a quick look. I've got 24 Mile Street No. We valued sold at that. 500,000. Yeah. That was sold. No. Yeah. We sold that in 2023. Yep. And then did you buy the current residence? No. Because we'd already had that as a rental. We There bought we go. we bought we bought the rental in because we actually owned four properties. And in 2023, we sold three of them and moved into the rental. Perfect. We own Okay. two So two four properties houses, sold three. five acres of land, and a rental, and we sold the two houses. We sold the land, moved into the rental. Moved into the rental.","start_word":679,"end_word":811,"sentiment":"neutral","sentiment_score":0.002973404945805669},{"text":"That's amazing.","start_word":812,"end_word":813,"sentiment":"positive","sentiment_score":0.6746595501899719},{"text":"So I've just got this new system, and we've merged all your data across. And I'm staring at, like, four of them, and I'm just trying You to make are. sure I've got it lined up. So for the current property, do you have anything owing on it, or is it all just cleared now because of the sales? Yeah. No. It's free. It's mortgage free. Perfect. So what I might do is I'll put that as your primary residence now, Mhmm. and Mhmm. let me just grab this. I was just gonna do a quick updated online evaluation unless you've got an idea of what it's looking like these days. And last time, it said 400,000. So but you never know with the market now because when we moved to Ashford, there was 30 houses for sale. Now you don't get a house sale as soon as it comes Yep. Gotcha. up Market's changed itself. a little Oh, bit. yeah. Alright. So that one's on now. I'll put 400 for now. It's not gonna be too much of an issue. And there was please forgive me for this. So we had a number of vehicles listed. So it was just a I'll run through them. We have a caravan and a boat, Yes. We do. tractor. But I do. And I don't share.","start_word":814,"end_word":1037,"sentiment":"neutral","sentiment_score":0.008287269788395082},{"text":"Perfect.","start_word":1038,"end_word":1038,"sentiment":"positive","sentiment_score":0.3553566038608551},{"text":"Two utes and a Ford. Yes. That is correct.","start_word":1039,"end_word":1047,"sentiment":"neutral","sentiment_score":0.18982726335525513},{"text":"Perfect.","start_word":1048,"end_word":1048,"sentiment":"positive","sentiment_score":0.5639009475708008},{"text":"We had about $6 in savings and about a 150,000 in term deposits. 156 in term deposits now at last count.","start_word":1049,"end_word":1069,"sentiment":"neutral","sentiment_score":0.16870947182178497},{"text":"Perfect. Perfect.","start_word":1070,"end_word":1071,"sentiment":"positive","sentiment_score":0.5601630210876465},{"text":"And K. savings, that's that's about the same. I've got Yep. well, there's 9,500 in the safe and whatever it is in the bank account. So oh, I said Awesome. I have oh, I said cash only. Or I'll put 9.5 in there for now.","start_word":1072,"end_word":1116,"sentiment":"neutral","sentiment_score":0.20550167560577393},{"text":"Amazing. So that actually really helps the conversation around retirement.","start_word":1117,"end_word":1126,"sentiment":"positive","sentiment_score":0.4863460958003998},{"text":"Often people ask me, why do you need to know about my term deposits and my properties and all this kind of thing? And it's for exactly this conversation. Because with the super so you're in a growth portfolio with BT Panorama, and Mhmm. it's essentially like a four out of five on the risk scale. Around 80% of your money is in growth assets, shares Mhmm. in property and gold. 20% is in the safer side of things. Now with that growth portfolio, normally, you wanna have around about seven to nine years before retirement to take on that level of risk to get that level of return. But I've already retired. We sorry? I've already retired. I only went back to casual work because I was bored. There we go. So when it comes to the growth of the funds in the background, the question is, because you've got that preservation age at 60, how Mhmm. much do we wanna focus on going for as much growth as possible to build that up from 300,000 to 4, five, 6, and beyond? And versus how much do we need to kind of protect that for any uses that you may need it for? Well, you've only got eighteen months and all b 60. So you don't have Yeah. a lot of time to build it any further than what it is. Exactly. So what I was thinking leading into this conversation was whether we step it down a little bit in the risk level. Because what you've kind of experienced is, I guess, in percentage terms, the funds kind of gone up 6%, dropped 6%. But in a growth portfolio, that could be 15 or 20% Mhmm. Yes. if Yes. we had a big global financial crisis again. Hello. Tell me about it, especially with Trump. You don't know what's gonna happen to the gold market. Yeah. So what's basically happened to your fund is it was going up, Trump did the thing, Iran kicked off, and then it's dropped down, and now it's bounced back up, and it's pretty much flat for the year. So you haven't lost anything, but it could do that in the next twelve months or Yes. so. So my question becomes, do we knock it down a peg into that kind of medium risk balance type risk profile? Will we go from 80% to 70%, or do we go a lot further than that and not really focus as much on growing Well, I think we need to especially, let's, like, for me for the year coming up, I think it needs to be preserved it? because, you know, he he's locked it straight down again. So we're price is fuel down up, so the whole market's gonna change again. And as she said, I'm only just sitting pretty. I haven't had a loss, but I haven't had a win. So I think we Yes. do need to look it down more than the 70% because right now, I don't I'm not in a position to gain anything, so I just don't wanna lose anything. Yes. So the options become we either go to a moderate portfolio, which is about fifty fifty, where worst case scenario, you still look at maybe 10% drop at $30.40 grand in the worst case, or we go right down to conservative and just focus fully on protection, and we just try and get that return that's a bit above the bank interest.","start_word":1127,"end_word":1711,"sentiment":"neutral","sentiment_score":-0.08340372026969607},{"text":"I'm happy with $50.50 at this stage. Because like I said, I'm still working, so I'm still contributing to it.","start_word":1712,"end_word":1731,"sentiment":"positive","sentiment_score":0.4195207059383392},{"text":"Yep. And it's not that critical that if something really bad happened, you could maybe hold on for a couple of years before having to pull it all out kind of thing. Yeah. Oh, I'll be pulling it all out. We'll be rolling it over or something. I don't need to pull it out. That's that's Yeah. not gonna So we just focus on protection now, bit of moderate growth. And happen. then once we hit 60 or beyond, we'll start talking about whether we switch it into a bit of a pension account and start dropping an income out of it or just Yeah. let it sit there nice and safe.","start_word":1732,"end_word":1843,"sentiment":"neutral","sentiment_score":-0.0026375329388039453},{"text":"Cool.","start_word":1844,"end_word":1844,"sentiment":"positive","sentiment_score":0.40237143635749817},{"text":"Well, Alright.","start_word":1845,"end_word":1846,"sentiment":"neutral","sentiment_score":0.2163107842206955},{"text":"I bet That's perfect.","start_word":1847,"end_word":1850,"sentiment":"positive","sentiment_score":0.45917385816574097},{"text":"I I sort of wanna be pulling a pension out of it when I turn 60 because I'm still looks like the council will employ me to the year dot, and I'm happy to do the two five o shifts away. Oh, we won't go there. I was sort of forced into this job because I didn't want it, and they accommodated me, and they are very, very nice to me.","start_word":1851,"end_word":1921,"sentiment":"neutral","sentiment_score":0.19664499163627625},{"text":"So I will do it. Because They're I very had persuasive and polite.","start_word":1922,"end_word":1934,"sentiment":"positive","sentiment_score":0.3888334333896637},{"text":"as I said, I had retired, and then I was sort of begged to come into this role, and they're very good to me. Yep. Very good to me. So I'll keep going through as long as I want to, as long as I my boredom at bay. So Yep. I I at 60, I I won't be pulling the pension down. Not to the stage where I go, right. I no. I've had enough.","start_word":1935,"end_word":2009,"sentiment":"neutral","sentiment_score":0.021657008677721024},{"text":"Nobody's listening to me at work.","start_word":2010,"end_word":2015,"sentiment":"negative","sentiment_score":-0.34137260913848877},{"text":"I don't wanna work there anymore because usually takes me ten years and we're at year one. Yeah. So I think And we've got we've got a few when years that ago happens, yet. do we have a bit of an idea on how like, what I wanna do is basically update a little projection for you and say let's say day Mhmm. dot 60 happens and you need to do that. How long will the funds last with a certain drawdown? Do you have a bit of an an amount in mind? I don't know. What's the norm? Because A she's lot of people talk about a thousand dollars a week for them to, you know, look after expenses with a mortgage paid off and things like that. You got the government, I think, says 77,000 per year for a couple to live comfortably these days. We'll see.","start_word":2016,"end_word":2164,"sentiment":"neutral","sentiment_score":-0.07695000338674392},{"text":"Unfortunately, right now, Peggy and I don't live together because he's in assisted living. He's in a still house because he had a back injury and is paralyzed.","start_word":2165,"end_word":2192,"sentiment":"negative","sentiment_score":-0.4338630139827728},{"text":"Yeah. So he he actually lives in the town that I work in. So he has the pension, the envelope pension. Yeah. And I do my twenty eight to fortnight and get some money off the government because I still get half of my Centrelink.","start_word":2193,"end_word":2237,"sentiment":"neutral","sentiment_score":0.011247200891375542},{"text":"And I I don't I survive on on, like, $1,300 a fortnight into my bank account, and I can still add to my term deposits. We we don't have a lot of expenses.","start_word":2238,"end_word":2270,"sentiment":"negative","sentiment_score":-0.3490019738674164},{"text":"Yeah. And So with the 13 yeah. 100 a fortnight, is that so what type of pension is it? Is it carer's pension, job seeker type? Me. That's wages and and job seeker. And Peter, he gets, like, $1,465 pension and rent assistance with his. So his money is his money, and he contributes when there's a red joe due of one of his freaking use. But the rest of it, Yeah. rates, phone, power, like, pay it. We've got solar. You know, the pay bill's a $100 a month, and I I don't I don't have expense.","start_word":2271,"end_word":2368,"sentiment":"neutral","sentiment_score":-0.05163347348570824},{"text":"It's it's really hard for people to understand, but I don't have expenses.","start_word":2369,"end_word":2381,"sentiment":"negative","sentiment_score":-0.4506714344024658},{"text":"Literally. Yes. Yeah. I don't. I don't I don't have any credit cards. I don't have any debts. I don't have you know, I have rego's insurance rates and taxes, the phone bill, and the pay bill. That's it. So, you know, a thousand dollars a a a week is I've been just adding to my term deposits if I took that out of my pension out of my super. So what's the what's the your projection? If it is a thousand dollars a week coming out as a payment from the super when it gets rolled over, how the super amount that I've currently got or the projection of what I'll have at 60, how many have the what's the time frame coming out of that? How Yeah. many So years? I'll I'll update in the next plan that I've sent through to you. But, essentially, my rough figures is if you pulled out a thousand dollars a week, I'm seeing somewhere between twelve to fifteen years before the funds are depleted. Whereas if you just topped up the income that you're currently getting now, like $8.55 a fortnight or even a little bit less after because it's tax free, you'd be looking at well beyond life expectancy. You'd be talking somewhere in the nineties before the funds run out just from the super, Yes. not taking into account contributing anything from the term deposit to kind of fill out a pension account or anything. So do you want me to kinda just go for for income replacement for what you're earning now? Yeah. Why not? Because like I said, it's it's, you know, could add 10% of cost inflation over the next five years. But apart from that, yeah, that's fine. Yeah. Go for it. And that's what I'm sort of thinking is if I go with those drawdowns, rather than just going fully defensive to just protect the 300,000 and then drop that out to you, the moderate is gonna get you that little bit of extra growth to keep up with inflation and then maintain that level of income for quite Yep. a Absolutely. while. Go through. Yes.","start_word":2382,"end_word":2743,"sentiment":"neutral","sentiment_score":-0.021742696885420885},{"text":"Sound good for you?","start_word":2744,"end_word":2747,"sentiment":"positive","sentiment_score":0.39920708537101746},{"text":"Yep.","start_word":2748,"end_word":2748,"sentiment":"neutral","sentiment_score":0.2339092493057251},{"text":"Perfect.","start_word":2749,"end_word":2749,"sentiment":"positive","sentiment_score":0.4575630128383637},{"text":"Alright. When we hit 60, we'll have another conversation about what type of account to switch it into. If Mhmm. you're still working, we leave it alone. If we're, again, drawing out of it, we we really just wanna get to that position where we can put it into an account based pension where it's all tax free earnings and tax free income coming out. So Yes. when the time comes, I'll kind of be ready to pull Yes. the trigger on that.","start_word":2750,"end_word":2832,"sentiment":"neutral","sentiment_score":0.08667744539049735},{"text":"Perfect. So that'll be the main thing.","start_word":2833,"end_word":2839,"sentiment":"positive","sentiment_score":0.4138510525226593},{"text":"I am gonna update your portfolio a little bit. Been talking with Barton Sevvy and the investment committee. Few things have been changing with Trump and the economy, so there's a few options I wanna kind of switch out. Would you be okay for me to kind of look for some lower fee investments as we go a bit more defensive? Yes. Yeah. No.","start_word":2840,"end_word":2903,"sentiment":"neutral","sentiment_score":0.06886307150125504},{"text":"That's great. Yep. Cool.","start_word":2904,"end_word":2907,"sentiment":"positive","sentiment_score":0.4490699768066406},{"text":"We kind of call them bit bit more passive index funds, which means lower fees, bit more consistent in the returns rather than trying to chase for shooting the lights out. Yep. Alrighty. In terms of estate planning and everything, we do have that you guys have the advanced health care directive, Peter. You've got a will in place, Yep. the beneficiary Yep. nomination, Yes.","start_word":2908,"end_word":2972,"sentiment":"neutral","sentiment_score":0.1890968531370163},{"text":"so that's all looking good.","start_word":2973,"end_word":2977,"sentiment":"positive","sentiment_score":0.3861149549484253},{"text":"I'm assuming we're not looking for anything insurance related, like life insurance anything to add on. No. No. Awesome. Outside of that, any major goals or priorities for the next two to five years for you? No. Apart from getting my bloody daughter to paint the inside of my house because I'll build you anything. I just don't paint. No. No. We're you know, we're just right now, Peter's away and ride at a rehab center doing some extra work with his chair and and some physical equipment for his arm exercises and that. So we just right now, we're just soldiering on with Peter's health because, you know, he's 61 and and now in a wheelchair. Yeah. Eventually, we would like to be able to build on at home and bring him home, but that's and, like, we go on a two year plan with that because, you know, NDIS will fund a lot of that. So Yep. that's a plan to bring him home or, you know, worst case scenario, I sell the farm and we move into into Interrail itself and and build a fit for purpose house, but we'll get to that when we get to that. So Oh, you're quite close to Enviro at the moment. 57 K is going in. Oh, wow. I used So to go out there camping with my dad to go fossicking for sapphires and topaz. Mhmm. Yeah. Well, Pete's actually in in Burrell. He's Oh, he's wow. we're yeah. He he's in a still house in here, and I'm still but I'm still in Ashford. Yeah. Yeah. Cool. Alrighty. So I've pretty much got everything I need to go and do some research. What I'm basically gonna do, Eileen, is I'm just about to go on a little bit of leave because I've had a new daughter just born. Oh, So seems I'm just good. getting on a bit of leave.","start_word":2978,"end_word":3299,"sentiment":"neutral","sentiment_score":0.02099886903631854},{"text":"Thank you. Number three, my boys are smitten.","start_word":3300,"end_word":3307,"sentiment":"positive","sentiment_score":0.3847994208335877},{"text":"I'm basically gonna yes. Yes. We did. We wouldn't Can't have tell been it to you, but, Gail. Yes. We did.","start_word":3308,"end_word":3328,"sentiment":"neutral","sentiment_score":0.11314038187265396},{"text":"We wouldn't have been disappointed with three boys, but it was it was lucky that we got it there in the end. So the family is now completed.","start_word":3329,"end_word":3356,"sentiment":"positive","sentiment_score":0.4050818979740143},{"text":"Yeah. I had a boy and a girl. So he's pretty much in here. I need more anymore.","start_word":3357,"end_word":3374,"sentiment":"neutral","sentiment_score":0.00006178352487040684},{"text":"Congrats.","start_word":3375,"end_word":3375,"sentiment":"positive","sentiment_score":0.47114816308021545},{"text":"I'm gonna get the team to kind of update the new portfolio just while I'm away. And then Mhmm. as soon as I come back, we'll book you in, and I'll walk you through the document.","start_word":3376,"end_word":3411,"sentiment":"neutral","sentiment_score":0.12391909956932068},{"text":"And then Beautiful. I can alter everything if you're happy with it.","start_word":3412,"end_word":3423,"sentiment":"positive","sentiment_score":0.4236656725406647},{"text":"Yep.","start_word":3424,"end_word":3424,"sentiment":"neutral","sentiment_score":0.2875949442386627},{"text":"Lovely. Awesome.","start_word":3425,"end_word":3426,"sentiment":"positive","sentiment_score":0.6270948052406311},{"text":"Any questions for me before I let you go? Nope. No. That's absolutely fine.","start_word":3427,"end_word":3440,"sentiment":"neutral","sentiment_score":0.12932002544403076},{"text":"Thanks so much. Cool.","start_word":3441,"end_word":3444,"sentiment":"positive","sentiment_score":0.5750151872634888},{"text":"Just a bit of a heads up that the pack that I sent you to the email, it has your, super summary. It's got your NEOS certificate of currency there as well. I needed to just quickly ask you about your NEOS insurance. Mhmm. Gotcha. You've got 300,000 worth of life and disability insurance. Mhmm.","start_word":3445,"end_word":3499,"sentiment":"neutral","sentiment_score":0.12953177094459534},{"text":"It's creeping up.","start_word":3500,"end_word":3502,"sentiment":"negative","sentiment_score":-0.38722413778305054},{"text":"It's kind of sitting around that 2.5 to 3,000 mark. And over the next seven years, it'll probably jump up $5.06, $8.10, 12,000 over the Yeah. next seven years. So I just wanted to double check, like, do you still value having that 300,000 there for another twelve months and then review it then, or do you want me to look at some alterations now? What would your alterations be? It's usually based on needs, to be honest. And because you've kind of cleared all the debts out and everything's looking really good, the question is what you want that insurance for. Because TPD insurance, that would be 300,000. Like, if you fell into a similar situation and you could, you know, renovate the home and and all that kind of thing. Life insurance if you passed away, normally, to clear mortgages and assist in the the partner. So would that be helpful for Peter if you passed away? Yes. Yeah. Yep. Because he would be he would have to then be he would have to actually sell the property that was got, and he Yeah. would need to the price of of houses these days. He would have to build a fix and purpose home for himself. So, Yep. yeah, I think we looked at it last year, and we thought, well, this for what it is and the little bit of it increased, there was no use dropping any like, dropping it to, like, 200,000 because it wasn't wasn't much of change. Yeah. Right. So I think, you know, while I'm working, traveling backwards and forwards, you never know when somebody's gonna freaking run into me. Nearly, I'll take that one cattle truck the other day, which was half on my side of the road coming around the corner. So you just need Oh. to know.","start_word":3503,"end_word":3810,"sentiment":"neutral","sentiment_score":-0.10443912878293884},{"text":"So I'm happy to keep it there.","start_word":3811,"end_word":3817,"sentiment":"positive","sentiment_score":0.6139398813247681},{"text":"You know, while Peter is still coherent enough not to be in the nursing home, I would really like to keep it there because it's a benefit to him to look after himself while when I'm not Yep. there. Bit of peace of mind for the next couple of years until you don't Yep. need it anymore. Yeah. Definitely. Yep.","start_word":3818,"end_word":3877,"sentiment":"neutral","sentiment_score":0.2877872884273529},{"text":"Awesome.","start_word":3878,"end_word":3878,"sentiment":"positive","sentiment_score":0.4904211163520813},{"text":"And just bear in mind too that we can do a similar situation. If anything, God forbid, did happen to you, we would try and assist Peter if possible with, you know, the the pension account that you would have had to drop out that $8.55 a fortnight. Mhmm. Something similar can be set up as well. So Yes. we would do our best, and we would assist with any insurance claims as well. So I don't know Well, if there's anyone to inform, but if something did happen, they could call Oakview, and we could help with the claim for the life or TPD insurance. So please Well just bear but that in mind. but sister-in-law would be the one pushing your buttons. It would be Julia. Cool. Alright, Julie. Well, let us know straight away. Yeah. Yeah. Yeah. She would. Yeah. She would be she would be the one that would be assisting our daughter, Marina, to find out what's all the go is because Yep. she's she's my best friend. So friends in high places in this this room, mate. I tell you. Absolutely. Actually, I don't know if he's gone home yet, but yeah. About to go home. That's fine. I do have a consent agreement as well for BT Panorama to be remaining Mhmm. as your advisers. Yes. Same agreement as last time, 1.65% spread through the year, and that has a bit of a reference date, 08/01/2027. Mhmm. Yes.","start_word":3879,"end_word":4123,"sentiment":"neutral","sentiment_score":0.08045927435159683},{"text":"Perfect.","start_word":4124,"end_word":4124,"sentiment":"positive","sentiment_score":0.38533586263656616},{"text":"Yes. Any questions for me before I let you go? No. Absolutely fine.","start_word":4125,"end_word":4137,"sentiment":"neutral","sentiment_score":0.11603620648384094},{"text":"Thank you so much. Awesome. I appreciate you sitting in the car park having this conversation with me.","start_word":4138,"end_word":4155,"sentiment":"positive","sentiment_score":0.4672594666481018},{"text":"It No.","start_word":4156,"end_word":4157,"sentiment":"neutral","sentiment_score":-0.02921033464372158},{"text":"was Yes. very, very helpful. I would love nothing more than to go and drop the risk level of your portfolio. So leave it with me, and as soon as I get back, we will run through it together Yep. Easier. Talk and to you then. get Have that fun. sorted. Thanks, Bye. Okay.","start_word":4158,"end_word":4211,"sentiment":"positive","sentiment_score":0.5060079097747803},{"text":"Bye.","start_word":4212,"end_word":4212,"sentiment":"neutral","sentiment_score":0.2187398374080658}],"average":{"sentiment":"neutral","sentiment_score":0.02393452835915212}}}}