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So if you hear anything in the background, I do apologize. No worries, mate. I've got you here. I've got a bit of an updated document to send through to you. How long have I got you for today? Maybe fifteen, twenty? Perfect. Perfect. So I'm just gonna quickly do a security check and send this through to you. Will you be able to jump on to your emails with me? I'll pop that through now. Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security? Yep. Amazing. Thank you so much for that. Appreciate that, mate. Now just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment. Yeah. Michelle was just saying that you're between jobs at the moment and still looking around. Yep. So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted to talk to you a bit today about the insurances and a few other things, if that's okay. Perfect. Perfect. So just let me know when that comes through. There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me. And I've sent that through to your Yahoo address. Nothing's come through so far? K. Let me have a quick look. Please bear with me for two seconds, sir. I'll just do a little refresh. Thanks. There we go. There we go. Update this one. Pop it there. Yep. Perfect. So if you get tools and they just opened just the one for me, I've sent a a refresh. So if you accidentally get through, just let me know. But there's a so hit that button. It doesn't sign anything, but just so you can look at the documents with me first. And you should see a beachfront city picture with the Gold Coast on it. Cool. Now once you can see that on the statement of advice, if you could just go down to page three for me, it just got a a scope of advice heading in blue. Can you see that there? Yeah. Page three and four has a scope heading. Cool. So everything that we've done for the recommendations, it's about that retirement goal, which was at the latest age 67, at the earliest age 60, if you can afford it. Cool. So what I've done in here is I've fixed up some of the investments inside the NetWell, which weren't performing as well as the other ones, and that's what this document goes over, just updating some of the super investments. Now what I've had to do with this one is I've updated it because of the occupation change is I've just taken out the contributions because obviously until the contributions are coming in, it's gonna look a lot different. So on page seven and eight, I've just got the I've updated it to previous occupation and unemployed, but I've got your assets there, which is the home, the investment property, cars, and credit cards. Yep. Now can you go down to page nine for me? It should say in a red heading, current risk protection portfolio. Yep. So yep. Can you see that little blue table there with MetLife? Cool. So last time I spoke to you, I gave you a bit of a warning that the insurance premiums were gonna jump up again, And we were leaving it alone for the time being because you had some friends that were paying 2,000. Your insurance premiums were 4,000. We were gonna look at it pretty soon, but they've just gone up to over 6,000 with the last increase. I wanted to run that by you and let you know that it's gotten quite expensive. So what I wanted to ask you is two questions. The 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price? Yep. Now I'll go I've basically got someone in the background doing quotes for me for all the insurance, and I'm gonna try and find the best one. But when I find the good one, are you okay to go through, like, the medical questions with my team on another call on a different day? Yep. And do you want me to just quote it on the same amount? 652,000, just replace it for a cheaper price? Yep. Okay. And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing something different? Okay. Okay. So is it okay with you that as soon as you get that, we'll have to wait for that job before we can do the quote? And then that way I can get it trimmed down. Cool. Alright. So I will do that. I'm gonna basically get my team to call you in a few months time to see how you went. But if you do land a job, are you able to call in and let us know? Amazing. Amazing. Okay. Cool. So if you keep going down in that document, page 10, you'll see risk profile. Yep. Correct. So risk profile, we're not changing the risk profile. We were just changing the investment. So we're staying broke, which is at four out of five, and still trying to get as much growth out of it as possible for that retirement goal. Now when I did the previous projections on the 120,000 income that you had before, you were pretty much on track. But, obviously, when I take the contributions out, the the soup is not gonna grow very much with the premiums coming out the fee and without the contributions going in. So if you can skip down for me, I'll I'll show you the tables. That'll be the quickest way. So page 12 has strategy recommendations. There's a lot of text there about what we're doing. Page 13 has the pros and cons in an advantage disadvantage table. So, basically, what I've come up with is I found some investments that are a little bit cheaper. They they save the investment fees and they've got better performance, but there's a little bit of brokerage fees to purchase them, and then they're very cheap going forward. And there's a little bit of capital gains tax inside the super that I've factored in for switching investments. Now if you go down to page 15 for me, it's got a bit of a table there called investments with a blue blue table. So what I'm wanting to do is I'm rebalancing all the investments back to the normal percentages. So that second last column where you can see the round figure is 10%, 0%, 0%, 5%. Can you see that there in the second last column? Yep. So the ones that are 0% are the ones that I wanna get rid of and replace with somebody else. And the ones that still have a percentage in there, they're just being rebalanced with that. So just bringing everything back to the middle. K? So the big one for yours, Benelon Concentrated, was performing very bad. So I've replaced that at the second last one, Australia two 100. BetaShares Australia 200. Can you see that there? Yep. So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better. And there's a few other little ones there. Like, we'll we'll leave Japan in there, cyber security, that's fine. But I just put a different defensive option in there, which is a little bit better than the one that you've got currently. K? So what this looks like is if you go down to seventeen, eighteen, and 19, these are the three pages I really wanted to show you today. K. So in 17, colored pie chart, and in the table below it, the very middle row, you can see growth title in gray. Can you see that there, Santel? Yep. So the risk profile for growth, you need around about 80%. You're currently sitting at about 73. And once we get it rebalanced, it'll bring it back up to 85, which is right in the middle for your risk profile. K? Now if you go to the next page, it shows you the fee table. And so there's $510 that the super will pay inside the tax to move everything around, but then the fees every year, 336 cheaper every year after that. And at the bottom, the five year performance, it brings it back up from 5.84% to 11.57% with the fix up. K? Now if you go to the next page, it shows the updated projection. Five and ten years. So without the contributions coming in and with those really high insurance premium costs, the supers if we leave it alone as it is, it's gonna start going backwards down to a 115,000 then down to 91,000. With the new investments we've picked, it's gonna grow to a hundred and fifty, a hundred and eighty thousand without any contributions going in. It's gonna grow more than the fees. K? So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13. We just wanna make sure that almost every year, you're getting above 10% in returns long term. So what I'm basically thinking, Cecil, is I wanna fix up these investments at the moment. And then as soon as you get that bus driver job, I wanna get the insurance premium down. Hopefully, save a couple of thousand there. And then after that, we're pretty much gonna try and grow it as much as we can. And then once you hit 60, we can start doing transition to retirement contributions, which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well. The other question I have for you, so once the contributions are coming in, fix the investment, get the fees down, the investment property, if you're wanting to leave investment properties to the children, Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent and pass them down? Yep. Perfect. So at the moment, I'm just gonna do this now. I'll base everything for the retirement on just the super, especially when you get the new job. And then once you get through maybe age 60, 63, 65, we can talk again about if we do anything with the property or just leave them there for the rental. Is that okay? Yeah. I'll bring that up now for you. Now the balance in this document is just when we did the research, but I'm just gonna bring it up for you. Just give me a moment, please. Won't take me more than about thirty seconds to grab. There we go. So the Netwealth does the two factor text message for the security. Alright. 140,114 today. K? So that's what I'm basing it off basically is where it's at now. What's it look like in five years, ten years? Cool. Since so far, again, just to reiterate, wanna change a couple of investments, change the insurance premium fees in a couple of months' time, and then have a look at the projections after that. But so far, are you okay for me to go ahead and do the changes to the super investments? Cool. Do you have any questions for me? Yep. Awesome. So I'll leave that one with you if you're comfortable with that. And if you sign off on that document, we can go on the Netwealth online and switch the investments once you've authorized it. The only other thing as well is I've included an updated appendix with some extra research. That's the second document after this one. There is a PDF for Netwealth just because they've updated the Netwealth document. And then there's a service agreement there as well. So we can't remain advisers on the Netwealth and change anything unless you're happy with us to look after it. And I've got the updated agreement on there as well. The 1.65% for the fee, and that's for, again, split monthly, paid over the year. Next year, we're bringing in some discounts for everyone that gets above 200,000. There'll be a lower percentage fee next year as well. K. Are you okay for me to leave that one with you, sir? Awesome. I'll talk to you again soon. 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it's Tommy here from. How are you doing? Living the dream. It's a bit of a miserable cold weather out here on the Gold Coast, and my my three year old son broke his leg. So if you hear anything in the background, I do apologize.\n\nNo worries, mate. I've got you here. I've got a bit of an updated document to send through to you. How long have I got you for today? Maybe fifteen, twenty?\n\nPerfect. Perfect. So I'm just gonna quickly do a security check and send this through to you. Will you be able to jump on to your emails with me? I'll pop that through now.\n\nNow just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security? Yep. Amazing. Thank you so much for that. Appreciate that, mate.\n\nNow just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment. Yeah. Michelle was just saying that you're between jobs at the moment and still looking around. Yep. So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted to talk to you a bit today about the insurances and a few other things, if that's okay.\n\nPerfect. Perfect. So just let me know when that comes through. There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me. And I've sent that through to your Yahoo address.\n\nNothing's come through so far? K. Let me have a quick look. Please bear with me for two seconds, sir. I'll just do a little refresh.\n\nThanks. There we go. There we go. Update this one. Pop it there.\n\nYep. Perfect. So if you get tools and they just opened just the one for me, I've sent a a refresh. So if you accidentally get through, just let me know. But there's a so hit that button.\n\nIt doesn't sign anything, but just so you can look at the documents with me first. And you should see a beachfront city picture with the Gold Coast on it. Cool. Now once you can see that on the statement of advice, if you could just go down to page three for me, it just got a a scope of advice heading in blue. Can you see that there?\n\nYeah. Page three and four has a scope heading. Cool. So everything that we've done for the recommendations, it's about that retirement goal, which was at the latest age 67, at the earliest age 60, if you can afford it. Cool.\n\nSo what I've done in here is I've fixed up some of the investments inside the NetWell, which weren't performing as well as the other ones, and that's what this document goes over, just updating some of the super investments. Now what I've had to do with this one is I've updated it because of the occupation change is I've just taken out the contributions because obviously until the contributions are coming in, it's gonna look a lot different. So on page seven and eight, I've just got the I've updated it to previous occupation and unemployed, but I've got your assets there, which is the home, the investment property, cars, and credit cards. Yep. Now can you go down to page nine for me?\n\nIt should say in a red heading, current risk protection portfolio. Yep. So yep. Can you see that little blue table there with MetLife? Cool.\n\nSo last time I spoke to you, I gave you a bit of a warning that the insurance premiums were gonna jump up again, And we were leaving it alone for the time being because you had some friends that were paying 2,000. Your insurance premiums were 4,000. We were gonna look at it pretty soon, but they've just gone up to over 6,000 with the last increase. I wanted to run that by you and let you know that it's gotten quite expensive. So what I wanted to ask you is two questions.\n\nThe 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price? Yep. Now I'll go I've basically got someone in the background doing quotes for me for all the insurance, and I'm gonna try and find the best one. But when I find the good one, are you okay to go through, like, the medical questions with my team on another call on a different day? Yep.\n\nAnd do you want me to just quote it on the same amount? 652,000, just replace it for a cheaper price? Yep. Okay. And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing something different?\n\nOkay. Okay. So is it okay with you that as soon as you get that, we'll have to wait for that job before we can do the quote? And then that way I can get it trimmed down. Cool.\n\nAlright. So I will do that. I'm gonna basically get my team to call you in a few months time to see how you went. But if you do land a job, are you able to call in and let us know? Amazing.\n\nAmazing. Okay. Cool. So if you keep going down in that document, page 10, you'll see risk profile. Yep.\n\nCorrect. So risk profile, we're not changing the risk profile. We were just changing the investment. So we're staying broke, which is at four out of five, and still trying to get as much growth out of it as possible for that retirement goal. Now when I did the previous projections on the 120,000 income that you had before, you were pretty much on track.\n\nBut, obviously, when I take the contributions out, the the soup is not gonna grow very much with the premiums coming out the fee and without the contributions going in. So if you can skip down for me, I'll I'll show you the tables. That'll be the quickest way. So page 12 has strategy recommendations. There's a lot of text there about what we're doing.\n\nPage 13 has the pros and cons in an advantage disadvantage table. So, basically, what I've come up with is I found some investments that are a little bit cheaper. They they save the investment fees and they've got better performance, but there's a little bit of brokerage fees to purchase them, and then they're very cheap going forward. And there's a little bit of capital gains tax inside the super that I've factored in for switching investments. Now if you go down to page 15 for me, it's got a bit of a table there called investments with a blue blue table.\n\nSo what I'm wanting to do is I'm rebalancing all the investments back to the normal percentages. So that second last column where you can see the round figure is 10%, 0%, 0%, 5%. Can you see that there in the second last column? Yep. So the ones that are 0% are the ones that I wanna get rid of and replace with somebody else.\n\nAnd the ones that still have a percentage in there, they're just being rebalanced with that. So just bringing everything back to the middle. K? So the big one for yours, Benelon Concentrated, was performing very bad. So I've replaced that at the second last one, Australia two 100.\n\nBetaShares Australia 200. Can you see that there? Yep. So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better. And there's a few other little ones there.\n\nLike, we'll we'll leave Japan in there, cyber security, that's fine. But I just put a different defensive option in there, which is a little bit better than the one that you've got currently. K? So what this looks like is if you go down to seventeen, eighteen, and 19, these are the three pages I really wanted to show you today. K.\n\nSo in 17, colored pie chart, and in the table below it, the very middle row, you can see growth title in gray. Can you see that there, Santel? Yep. So the risk profile for growth, you need around about 80%. You're currently sitting at about 73.\n\nAnd once we get it rebalanced, it'll bring it back up to 85, which is right in the middle for your risk profile. K? Now if you go to the next page, it shows you the fee table. And so there's $510 that the super will pay inside the tax to move everything around, but then the fees every year, 336 cheaper every year after that. And at the bottom, the five year performance, it brings it back up from 5.84% to 11.57% with the fix up.\n\nK? Now if you go to the next page, it shows the updated projection. Five and ten years. So without the contributions coming in and with those really high insurance premium costs, the supers if we leave it alone as it is, it's gonna start going backwards down to a 115,000 then down to 91,000. With the new investments we've picked, it's gonna grow to a hundred and fifty, a hundred and eighty thousand without any contributions going in.\n\nIt's gonna grow more than the fees. K? So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13. We just wanna make sure that almost every year, you're getting above 10% in returns long term. So what I'm basically thinking, Cecil, is I wanna fix up these investments at the moment.\n\nAnd then as soon as you get that bus driver job, I wanna get the insurance premium down. Hopefully, save a couple of thousand there. And then after that, we're pretty much gonna try and grow it as much as we can. And then once you hit 60, we can start doing transition to retirement contributions, which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well. The other question I have for you, so once the contributions are coming in, fix the investment, get the fees down, the investment property, if you're wanting to leave investment properties to the children, Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent and pass them down?\n\nYep. Perfect. So at the moment, I'm just gonna do this now. I'll base everything for the retirement on just the super, especially when you get the new job. And then once you get through maybe age 60, 63, 65, we can talk again about if we do anything with the property or just leave them there for the rental.\n\nIs that okay? Yeah. I'll bring that up now for you. Now the balance in this document is just when we did the research, but I'm just gonna bring it up for you. Just give me a moment, please.\n\nWon't take me more than about thirty seconds to grab. There we go. So the Netwealth does the two factor text message for the security. Alright. 140,114 today.\n\nK? So that's what I'm basing it off basically is where it's at now. What's it look like in five years, ten years? Cool. Since so far, again, just to reiterate, wanna change a couple of investments, change the insurance premium fees in a couple of months' time, and then have a look at the projections after that.\n\nBut so far, are you okay for me to go ahead and do the changes to the super investments? Cool. Do you have any questions for me? Yep. Awesome.\n\nSo I'll leave that one with you if you're comfortable with that. And if you sign off on that document, we can go on the Netwealth online and switch the investments once you've authorized it. The only other thing as well is I've included an updated appendix with some extra research. That's the second document after this one. There is a PDF for Netwealth just because they've updated the Netwealth document.\n\nAnd then there's a service agreement there as well. So we can't remain advisers on the Netwealth and change anything unless you're happy with us to look after it. And I've got the updated agreement on there as well. The 1.65% for the fee, and that's for, again, split monthly, paid over the year. Next year, we're bringing in some discounts for everyone that gets above 200,000.\n\nThere'll be a lower percentage fee next year as well. K. Are you okay for me to leave that one with you, sir? Awesome. I'll talk to you again soon.\n\nThank you so much.","paragraphs":[{"sentences":[{"text":"Senthil, it's Tommy here from.","start":2.48,"end":4.24,"sentiment":"neutral","sentiment_score":0.07957475036382675},{"text":"How are you doing?","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.12077830731868744},{"text":"Living the dream.","start":7.3599997,"end":8.24,"sentiment":"neutral","sentiment_score":0.2781419853369395},{"text":"It's a bit of a miserable cold weather out here on the Gold Coast, and my my three year old son broke his leg.","start":8.24,"end":14.88,"sentiment":"negative","sentiment_score":-0.357202623039484},{"text":"So if you hear anything in the background, I do apologize.","start":14.88,"end":17.494999,"sentiment":"neutral","sentiment_score":-0.24012242663990369}],"sentiment":"neutral","sentiment_score":-0.20210205763578415,"num_words":47,"start":2.48,"end":17.494999},{"sentences":[{"text":"No worries, mate.","start":19.875,"end":20.595,"sentiment":"neutral","sentiment_score":0.016438487296303112},{"text":"I've got you here.","start":20.595,"end":21.235,"sentiment":"neutral","sentiment_score":0.06471430230885744},{"text":"I've got a bit of an updated document to send through to you.","start":21.235,"end":24.294998,"sentiment":"neutral","sentiment_score":0.05261946154328493},{"text":"How long have I got you for today?","start":24.755,"end":26.695,"sentiment":"neutral","sentiment_score":0.008635563543066382},{"text":"Maybe fifteen, twenty?","start":33.41,"end":34.87,"sentiment":"neutral","sentiment_score":0.003640249061087767}],"sentiment":"neutral","sentiment_score":0.03458809441015605,"num_words":31,"start":19.875,"end":34.87},{"sentences":[{"text":"Perfect.","start":37.25,"end":37.65,"sentiment":"positive","sentiment_score":0.3873916566371918},{"text":"Perfect.","start":37.65,"end":37.97,"sentiment":"positive","sentiment_score":0.345142126083374},{"text":"So I'm just gonna quickly do a security check and send this through to you.","start":37.97,"end":41.175,"sentiment":"neutral","sentiment_score":0.18254389415184658},{"text":"Will you be able to jump on to your emails with me?","start":41.575,"end":43.995,"sentiment":"neutral","sentiment_score":0.10517558331290881},{"text":"I'll pop that through now.","start":49.735,"end":51.335,"sentiment":"neutral","sentiment_score":0.12715966254472733}],"sentiment":"neutral","sentiment_score":0.15789992669049432,"num_words":34,"start":37.25,"end":51.335},{"sentences":[{"text":"Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security?","start":51.335,"end":56.954998,"sentiment":"neutral","sentiment_score":0.06690934114158154},{"text":"Yep.","start":60.670002,"end":61.170002,"sentiment":"neutral","sentiment_score":0.02230793796479702},{"text":"Amazing.","start":62.59,"end":63.09,"sentiment":"positive","sentiment_score":0.3923209011554718},{"text":"Thank you so much for that.","start":63.63,"end":64.83,"sentiment":"positive","sentiment_score":0.6355882485707601},{"text":"Appreciate that, mate.","start":64.83,"end":66.05,"sentiment":"positive","sentiment_score":0.5436360041300455}],"sentiment":"neutral","sentiment_score":0.21328258658094065,"num_words":35,"start":51.335,"end":66.05},{"sentences":[{"text":"Now just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment.","start":68.51,"end":78.675,"sentiment":"neutral","sentiment_score":-0.06411775045337216},{"text":"Yeah.","start":82.494995,"end":82.815,"sentiment":"neutral","sentiment_score":-0.056286606937646866},{"text":"Michelle was just saying that you're between jobs at the moment and still looking around.","start":82.815,"end":86.435,"sentiment":"neutral","sentiment_score":-0.07726923301815987},{"text":"Yep.","start":88.5,"end":89.0,"sentiment":"neutral","sentiment_score":0.01615402288734913},{"text":"So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted to talk to you a bit today about the insurances and a few other things, if that's okay.","start":89.14,"end":101.8,"sentiment":"neutral","sentiment_score":0.029134660393797925}],"sentiment":"neutral","sentiment_score":-0.021812951187085775,"num_words":90,"start":68.51,"end":101.8},{"sentences":[{"text":"Perfect.","start":103.985,"end":104.385,"sentiment":"neutral","sentiment_score":0.2395390272140503},{"text":"Perfect.","start":104.385,"end":104.625,"sentiment":"neutral","sentiment_score":0.26171159744262695},{"text":"So just let me know when that comes through.","start":104.625,"end":106.485,"sentiment":"neutral","sentiment_score":0.16169307629267374},{"text":"There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me.","start":107.105,"end":114.0,"sentiment":"neutral","sentiment_score":0.10040198898185855},{"text":"And I've sent that through to your Yahoo address.","start":124.24,"end":127.3,"sentiment":"neutral","sentiment_score":-0.16268302665816414}],"sentiment":"neutral","sentiment_score":0.06515318181279094,"num_words":43,"start":103.985,"end":127.3},{"sentences":[{"text":"Nothing's come through so far?","start":133.095,"end":134.635,"sentiment":"neutral","sentiment_score":-0.19800273180007935},{"text":"K.","start":136.855,"end":137.095,"sentiment":"neutral","sentiment_score":-0.09281618893146516},{"text":"Let me have a quick look.","start":137.095,"end":138.875,"sentiment":"neutral","sentiment_score":-0.03713571901122729},{"text":"Please bear with me for two seconds, sir.","start":140.47,"end":142.39,"sentiment":"neutral","sentiment_score":0.006333262543193996},{"text":"I'll just do a little refresh.","start":142.39,"end":143.84999,"sentiment":"neutral","sentiment_score":0.017305713146924973}],"sentiment":"neutral","sentiment_score":-0.044274760875850916,"num_words":26,"start":133.095,"end":143.84999},{"sentences":[{"text":"Thanks.","start":144.95,"end":145.45,"sentiment":"positive","sentiment_score":0.36707234382629395},{"text":"There we go.","start":146.35,"end":148.41,"sentiment":"neutral","sentiment_score":0.1728861778974533},{"text":"There we go.","start":149.75,"end":150.73,"sentiment":"neutral","sentiment_score":0.12663252651691437},{"text":"Update this one.","start":156.925,"end":158.045,"sentiment":"neutral","sentiment_score":0.10896189510822296},{"text":"Pop it there.","start":158.045,"end":158.865,"sentiment":"neutral","sentiment_score":0.15371474623680115}],"sentiment":"neutral","sentiment_score":0.15797372162342072,"num_words":13,"start":144.95,"end":158.865},{"sentences":[{"text":"Yep.","start":189.77,"end":190.17,"sentiment":"positive","sentiment_score":0.3770419359207154},{"text":"Perfect.","start":190.17,"end":190.57,"sentiment":"positive","sentiment_score":0.6312788724899292},{"text":"So if you get tools and they just opened just the one for me, I've sent a a refresh.","start":190.57,"end":195.29,"sentiment":"neutral","sentiment_score":0.21893413757023059},{"text":"So if you accidentally get through, just let me know.","start":195.29,"end":197.71,"sentiment":"neutral","sentiment_score":0.11248327121138572},{"text":"But there's a so hit that button.","start":198.25,"end":200.97,"sentiment":"neutral","sentiment_score":0.046610209558691294}],"sentiment":"neutral","sentiment_score":0.17418877898078217,"num_words":38,"start":189.77,"end":200.97},{"sentences":[{"text":"It doesn't sign anything, but just so you can look at the documents with me first.","start":200.97,"end":206.425,"sentiment":"neutral","sentiment_score":0.0534852419514209},{"text":"And you should see a beachfront city picture with the Gold Coast on it.","start":206.425,"end":210.125,"sentiment":"neutral","sentiment_score":0.08029022945889405},{"text":"Cool.","start":214.185,"end":214.685,"sentiment":"neutral","sentiment_score":0.23765291273593905},{"text":"Now once you can see that on the statement of advice, if you could just go down to page three for me, it just got a a scope of advice heading in blue.","start":215.545,"end":224.05,"sentiment":"neutral","sentiment_score":0.08222171890013145},{"text":"Can you see that there?","start":224.05,"end":225.27,"sentiment":"neutral","sentiment_score":0.03183798231184483}],"sentiment":"neutral","sentiment_score":0.07376792219777902,"num_words":69,"start":200.97,"end":225.27},{"sentences":[{"text":"Yeah.","start":226.84999,"end":227.17,"sentiment":"neutral","sentiment_score":0.021313300356268883},{"text":"Page three and four has a scope heading.","start":227.17,"end":229.59,"sentiment":"neutral","sentiment_score":0.019298355327919126},{"text":"Cool.","start":231.81,"end":232.305,"sentiment":"positive","sentiment_score":0.36308515071868896},{"text":"So everything that we've done for the recommendations, it's about that retirement goal, which was at the latest age 67, at the earliest age 60, if you can afford it.","start":232.465,"end":244.165,"sentiment":"neutral","sentiment_score":0.2090544524292151},{"text":"Cool.","start":245.68001,"end":246.18001,"sentiment":"neutral","sentiment_score":0.2333407700061798}],"sentiment":"neutral","sentiment_score":0.17179901552636448,"num_words":41,"start":226.84999,"end":246.18001},{"sentences":[{"text":"So what I've done in here is I've fixed up some of the investments inside the NetWell, which weren't performing as well as the other ones, and that's what this document goes over, just updating some of the super investments.","start":246.32,"end":258.74002,"sentiment":"neutral","sentiment_score":0.10168600355973467},{"text":"Now what I've had to do with this one is I've updated it because of the occupation change is I've just taken out the contributions because obviously until the contributions are coming in, it's gonna look a lot different.","start":263.845,"end":276.96,"sentiment":"neutral","sentiment_score":-0.006361971657054546},{"text":"So on page seven and eight, I've just got the I've updated it to previous occupation and unemployed, but I've got your assets there, which is the home, the investment property, cars, and credit cards.","start":280.14,"end":293.26498,"sentiment":"neutral","sentiment_score":0.0329126008653215},{"text":"Yep.","start":295.565,"end":296.04498,"sentiment":"neutral","sentiment_score":0.06474123895168304},{"text":"Now can you go down to page nine for me?","start":296.04498,"end":298.465,"sentiment":"neutral","sentiment_score":0.04204569384455681}],"sentiment":"neutral","sentiment_score":0.043651699643582106,"num_words":125,"start":246.32,"end":298.465},{"sentences":[{"text":"It should say in a red heading, current risk protection portfolio.","start":299.565,"end":304.225,"sentiment":"neutral","sentiment_score":0.0318846157328649},{"text":"Yep.","start":306.5,"end":307.0,"sentiment":"neutral","sentiment_score":0.05904216319322586},{"text":"So yep.","start":307.13998,"end":308.58,"sentiment":"neutral","sentiment_score":0.06260447576642036},{"text":"Can you see that little blue table there with MetLife?","start":308.58,"end":310.91998,"sentiment":"neutral","sentiment_score":0.08765591010451317},{"text":"Cool.","start":313.13998,"end":313.46,"sentiment":"neutral","sentiment_score":0.1572546809911728}],"sentiment":"neutral","sentiment_score":0.06275182679295539,"num_words":25,"start":299.565,"end":313.46},{"sentences":[{"text":"So last time I spoke to you, I gave you a bit of a warning that the insurance premiums were gonna jump up again, And we were leaving it alone for the time being because you had some friends that were paying 2,000.","start":313.46,"end":325.775,"sentiment":"neutral","sentiment_score":-0.31057362812896105},{"text":"Your insurance premiums were 4,000.","start":325.915,"end":328.095,"sentiment":"negative","sentiment_score":-0.44866772294044494},{"text":"We were gonna look at it pretty soon, but they've just gone up to over 6,000 with the last increase.","start":328.315,"end":334.415,"sentiment":"negative","sentiment_score":-0.3977620005607605},{"text":"I wanted to run that by you and let you know that it's gotten quite expensive.","start":334.75998,"end":339.02,"sentiment":"negative","sentiment_score":-0.4969100393354893},{"text":"So what I wanted to ask you is two questions.","start":341.32,"end":343.9,"sentiment":"neutral","sentiment_score":-0.05979684758931399}],"sentiment":"negative","sentiment_score":-0.34150823128429497,"num_words":94,"start":313.46,"end":343.9},{"sentences":[{"text":"The 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price?","start":344.68,"end":356.77502,"sentiment":"neutral","sentiment_score":-0.10620206681390604},{"text":"Yep.","start":361.155,"end":361.655,"sentiment":"neutral","sentiment_score":0.07997705042362213},{"text":"Now I'll go I've basically got someone in the background doing quotes for me for all the insurance, and I'm gonna try and find the best one.","start":361.94998,"end":370.11,"sentiment":"neutral","sentiment_score":0.08875778538209421},{"text":"But when I find the good one, are you okay to go through, like, the medical questions with my team on another call on a different day?","start":370.11,"end":378.585,"sentiment":"neutral","sentiment_score":-0.01143771817010862},{"text":"Yep.","start":381.285,"end":381.785,"sentiment":"neutral","sentiment_score":0.07343461364507675}],"sentiment":"neutral","sentiment_score":-0.010988471228196177,"num_words":86,"start":344.68,"end":381.785},{"sentences":[{"text":"And do you want me to just quote it on the same amount?","start":382.885,"end":385.70502,"sentiment":"neutral","sentiment_score":0.022227982632242717},{"text":"652,000, just replace it for a cheaper price?","start":385.765,"end":389.305,"sentiment":"neutral","sentiment_score":0.0031187621352728456},{"text":"Yep.","start":391.32,"end":391.63998,"sentiment":"neutral","sentiment_score":0.03386329859495163},{"text":"Okay.","start":391.63998,"end":392.13998,"sentiment":"neutral","sentiment_score":0.018150316551327705},{"text":"And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing something different?","start":392.68,"end":399.97998,"sentiment":"neutral","sentiment_score":-0.027309309834471114}],"sentiment":"neutral","sentiment_score":-0.007022746311196563,"num_words":49,"start":382.885,"end":399.97998},{"sentences":[{"text":"Okay.","start":403.73502,"end":404.23502,"sentiment":"neutral","sentiment_score":-0.01415686309337616},{"text":"Okay.","start":414.63,"end":415.13,"sentiment":"neutral","sentiment_score":0.004576388746500015},{"text":"So is it okay with you that as soon as you get that, we'll have to wait for that job before we can do the quote?","start":415.19,"end":422.41,"sentiment":"neutral","sentiment_score":0.003957661441885508},{"text":"And then that way I can get it trimmed down.","start":422.63,"end":424.81,"sentiment":"neutral","sentiment_score":0.06083335131406784},{"text":"Cool.","start":426.885,"end":427.385,"sentiment":"positive","sentiment_score":0.3408808708190918}],"sentiment":"neutral","sentiment_score":0.026731618130818393,"num_words":39,"start":403.73502,"end":427.385},{"sentences":[{"text":"Alright.","start":428.08502,"end":428.565,"sentiment":"neutral","sentiment_score":0.28798386454582214},{"text":"So I will do that.","start":428.565,"end":429.765,"sentiment":"neutral","sentiment_score":0.29565069675445554},{"text":"I'm gonna basically get my team to call you in a few months time to see how you went.","start":429.765,"end":434.725,"sentiment":"neutral","sentiment_score":0.230916418527302},{"text":"But if you do land a job, are you able to call in and let us know?","start":434.725,"end":437.94,"sentiment":"neutral","sentiment_score":0.157330861862968},{"text":"Amazing.","start":439.86002,"end":440.34,"sentiment":"positive","sentiment_score":0.7809105515480042}],"sentiment":"neutral","sentiment_score":0.22346940705942553,"num_words":43,"start":428.08502,"end":440.34},{"sentences":[{"text":"Amazing.","start":440.34,"end":440.74,"sentiment":"positive","sentiment_score":0.746261477470398},{"text":"Okay.","start":440.74,"end":441.14,"sentiment":"positive","sentiment_score":0.4816285371780395},{"text":"Cool.","start":441.14,"end":441.64,"sentiment":"positive","sentiment_score":0.4152269065380096},{"text":"So if you keep going down in that document, page 10, you'll see risk profile.","start":441.78,"end":446.44,"sentiment":"neutral","sentiment_score":0.027075927580396335},{"text":"Yep.","start":450.435,"end":450.935,"sentiment":"neutral","sentiment_score":0.03304825723171234}],"sentiment":"neutral","sentiment_score":0.10959495221705813,"num_words":19,"start":440.34,"end":450.935},{"sentences":[{"text":"Correct.","start":451.955,"end":452.455,"sentiment":"neutral","sentiment_score":0.03877934440970421},{"text":"So risk profile, we're not changing the risk profile.","start":452.595,"end":455.47498,"sentiment":"neutral","sentiment_score":-0.061937167619665466},{"text":"We were just changing the investment.","start":455.47498,"end":457.175,"sentiment":"neutral","sentiment_score":-0.09128794074058533},{"text":"So we're staying broke, which is at four out of five, and still trying to get as much growth out of it as possible for that retirement goal.","start":457.235,"end":465.335,"sentiment":"neutral","sentiment_score":-0.025823404347257956},{"text":"Now when I did the previous projections on the 120,000 income that you had before, you were pretty much on track.","start":467.28,"end":474.25998,"sentiment":"neutral","sentiment_score":0.023402434108512744}],"sentiment":"neutral","sentiment_score":-0.019969030985465416,"num_words":65,"start":451.955,"end":474.25998},{"sentences":[{"text":"But, obviously, when I take the contributions out, the the soup is not gonna grow very much with the premiums coming out the fee and without the contributions going in.","start":474.8,"end":484.915,"sentiment":"neutral","sentiment_score":-0.18571121767163276},{"text":"So if you can skip down for me, I'll I'll show you the tables.","start":487.855,"end":492.34998,"sentiment":"neutral","sentiment_score":0.03186172852292657},{"text":"That'll be the quickest way.","start":492.34998,"end":493.88998,"sentiment":"neutral","sentiment_score":0.06780095025897026},{"text":"So page 12 has strategy recommendations.","start":494.03,"end":496.61,"sentiment":"neutral","sentiment_score":0.019821923846999805},{"text":"There's a lot of text there about what we're doing.","start":496.83,"end":499.25,"sentiment":"neutral","sentiment_score":0.010679659806191922}],"sentiment":"neutral","sentiment_score":-0.07016214520598833,"num_words":65,"start":474.8,"end":499.25},{"sentences":[{"text":"Page 13 has the pros and cons in an advantage disadvantage table.","start":500.83,"end":506.945,"sentiment":"neutral","sentiment_score":-0.039340692572295666},{"text":"So, basically, what I've come up with is I found some investments that are a little bit cheaper.","start":508.765,"end":513.265,"sentiment":"neutral","sentiment_score":0.031266075351999864},{"text":"They they save the investment fees and they've got better performance, but there's a little bit of brokerage fees to purchase them, and then they're very cheap going forward.","start":513.72504,"end":522.58997,"sentiment":"neutral","sentiment_score":0.04468910421790748},{"text":"And there's a little bit of capital gains tax inside the super that I've factored in for switching investments.","start":522.64996,"end":528.67,"sentiment":"neutral","sentiment_score":-0.02245201327298817},{"text":"Now if you go down to page 15 for me, it's got a bit of a table there called investments with a blue blue table.","start":531.065,"end":539.085,"sentiment":"neutral","sentiment_score":0.02948759499937296}],"sentiment":"neutral","sentiment_score":0.01647851155908073,"num_words":103,"start":500.83,"end":539.085},{"sentences":[{"text":"So what I'm wanting to do is I'm rebalancing all the investments back to the normal percentages.","start":540.90497,"end":548.05,"sentiment":"neutral","sentiment_score":0.024180044474847177},{"text":"So that second last column where you can see the round figure is 10%, 0%, 0%, 5%.","start":548.43,"end":555.95,"sentiment":"neutral","sentiment_score":0.023369168780524942},{"text":"Can you see that there in the second last column?","start":555.95,"end":558.29004,"sentiment":"neutral","sentiment_score":0.013991692941635847},{"text":"Yep.","start":559.505,"end":560.005,"sentiment":"neutral","sentiment_score":0.011279496364295484},{"text":"So the ones that are 0% are the ones that I wanna get rid of and replace with somebody else.","start":560.385,"end":565.84503,"sentiment":"neutral","sentiment_score":-0.04897353956475854}],"sentiment":"neutral","sentiment_score":-0.0003067344642029359,"num_words":65,"start":540.90497,"end":565.84503},{"sentences":[{"text":"And the ones that still have a percentage in there, they're just being rebalanced with that.","start":566.065,"end":571.36505,"sentiment":"neutral","sentiment_score":-0.016239035641774535},{"text":"So just bringing everything back to the middle.","start":571.54,"end":573.96,"sentiment":"neutral","sentiment_score":0.02111340477131307},{"text":"K?","start":575.06,"end":575.56,"sentiment":"neutral","sentiment_score":0.0028015808202326298},{"text":"So the big one for yours, Benelon Concentrated, was performing very bad.","start":575.78,"end":581.0,"sentiment":"negative","sentiment_score":-0.5099152252078056},{"text":"So I've replaced that at the second last one, Australia two 100.","start":581.14,"end":586.12,"sentiment":"neutral","sentiment_score":-0.1298858110482494}],"sentiment":"neutral","sentiment_score":-0.15848424870102684,"num_words":49,"start":566.065,"end":586.12},{"sentences":[{"text":"BetaShares Australia 200.","start":586.605,"end":588.52496,"sentiment":"neutral","sentiment_score":-0.005384541815146804},{"text":"Can you see that there?","start":588.52496,"end":589.745,"sentiment":"neutral","sentiment_score":0.0005243761464953422},{"text":"Yep.","start":591.565,"end":592.065,"sentiment":"neutral","sentiment_score":0.2739378809928894},{"text":"So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better.","start":592.125,"end":600.705,"sentiment":"positive","sentiment_score":0.44759827976425487},{"text":"And there's a few other little ones there.","start":601.29,"end":603.23,"sentiment":"neutral","sentiment_score":0.08439057692885399}],"sentiment":"neutral","sentiment_score":0.28482657234275305,"num_words":41,"start":586.605,"end":603.23},{"sentences":[{"text":"Like, we'll we'll leave Japan in there, cyber security, that's fine.","start":603.29,"end":607.07,"sentiment":"neutral","sentiment_score":0.09061000428416512},{"text":"But I just put a different defensive option in there, which is a little bit better than the one that you've got currently.","start":607.52997,"end":612.83,"sentiment":"neutral","sentiment_score":0.009686775829481043},{"text":"K?","start":614.985,"end":615.385,"sentiment":"neutral","sentiment_score":0.04340376704931259},{"text":"So what this looks like is if you go down to seventeen, eighteen, and 19, these are the three pages I really wanted to show you today.","start":615.385,"end":623.565,"sentiment":"neutral","sentiment_score":0.09961453356124737},{"text":"K.","start":626.04004,"end":626.52,"sentiment":"neutral","sentiment_score":0.027740852907299995}],"sentiment":"neutral","sentiment_score":0.06317845900498685,"num_words":63,"start":603.29,"end":626.52},{"sentences":[{"text":"So in 17, colored pie chart, and in the table below it, the very middle row, you can see growth title in gray.","start":626.52,"end":635.8,"sentiment":"neutral","sentiment_score":0.037066721357405186},{"text":"Can you see that there, Santel?","start":635.8,"end":637.18,"sentiment":"neutral","sentiment_score":0.029798018125196297},{"text":"Yep.","start":640.055,"end":640.53503,"sentiment":"neutral","sentiment_score":0.08313953876495361},{"text":"So the risk profile for growth, you need around about 80%.","start":640.53503,"end":644.075,"sentiment":"neutral","sentiment_score":0.013424740765582432},{"text":"You're currently sitting at about 73.","start":644.53503,"end":646.935,"sentiment":"neutral","sentiment_score":0.0019146009969214593}],"sentiment":"neutral","sentiment_score":0.027098340279561407,"num_words":47,"start":626.52,"end":646.935},{"sentences":[{"text":"And once we get it rebalanced, it'll bring it back up to 85, which is right in the middle for your risk profile.","start":646.935,"end":653.9,"sentiment":"neutral","sentiment_score":0.05867256855835085},{"text":"K?","start":655.8,"end":656.2,"sentiment":"neutral","sentiment_score":0.02776501700282097},{"text":"Now if you go to the next page, it shows you the fee table.","start":656.2,"end":659.58,"sentiment":"neutral","sentiment_score":0.04435975290834904},{"text":"And so there's $510 that the super will pay inside the tax to move everything around, but then the fees every year, 336 cheaper every year after that.","start":662.04004,"end":674.875,"sentiment":"neutral","sentiment_score":0.11330667244536537},{"text":"And at the bottom, the five year performance, it brings it back up from 5.84% to 11.57% with the fix up.","start":676.935,"end":686.93,"sentiment":"positive","sentiment_score":0.3411186905134292}],"sentiment":"neutral","sentiment_score":0.14177413751510368,"num_words":87,"start":646.935,"end":686.93},{"sentences":[{"text":"K?","start":689.14996,"end":689.55,"sentiment":"neutral","sentiment_score":0.022988129407167435},{"text":"Now if you go to the next page, it shows the updated projection.","start":689.55,"end":692.85,"sentiment":"neutral","sentiment_score":0.03234284643370371},{"text":"Five and ten years.","start":696.045,"end":697.085,"sentiment":"neutral","sentiment_score":-0.02209077263250947},{"text":"So without the contributions coming in and with those really high insurance premium costs, the supers if we leave it alone as it is, it's gonna start going backwards down to a 115,000 then down to 91,000.","start":697.085,"end":712.0,"sentiment":"neutral","sentiment_score":-0.1455700793177695},{"text":"With the new investments we've picked, it's gonna grow to a hundred and fifty, a hundred and eighty thousand without any contributions going in.","start":712.46,"end":720.94,"sentiment":"positive","sentiment_score":0.39166477990026277}],"sentiment":"neutral","sentiment_score":0.05530308639701409,"num_words":79,"start":689.14996,"end":720.94},{"sentences":[{"text":"It's gonna grow more than the fees.","start":720.94,"end":722.72003,"sentiment":"positive","sentiment_score":0.37642469150679453},{"text":"K?","start":724.97504,"end":725.47504,"sentiment":"neutral","sentiment_score":0.17893001437187195},{"text":"So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13.","start":725.615,"end":734.03503,"sentiment":"positive","sentiment_score":0.4366148766130209},{"text":"We just wanna make sure that almost every year, you're getting above 10% in returns long term.","start":734.255,"end":740.32,"sentiment":"positive","sentiment_score":0.5669033650089713},{"text":"So what I'm basically thinking, Cecil, is I wanna fix up these investments at the moment.","start":741.74,"end":748.24,"sentiment":"neutral","sentiment_score":0.18277386156842113}],"sentiment":"positive","sentiment_score":0.3923066644030705,"num_words":57,"start":720.94,"end":748.24},{"sentences":[{"text":"And then as soon as you get that bus driver job, I wanna get the insurance premium down.","start":748.3,"end":754.195,"sentiment":"neutral","sentiment_score":0.17575347423553467},{"text":"Hopefully, save a couple of thousand there.","start":754.195,"end":756.29504,"sentiment":"neutral","sentiment_score":0.3310829656464713},{"text":"And then after that, we're pretty much gonna try and grow it as much as we can.","start":757.955,"end":762.515,"sentiment":"positive","sentiment_score":0.40303069966680866},{"text":"And then once you hit 60, we can start doing transition to retirement contributions, which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well.","start":762.515,"end":778.87,"sentiment":"positive","sentiment_score":0.3858684132496516},{"text":"The other question I have for you, so once the contributions are coming in, fix the investment, get the fees down, the investment property, if you're wanting to leave investment properties to the children, Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent and pass them down?","start":781.65497,"end":805.66003,"sentiment":"neutral","sentiment_score":-0.0038307694984333856}],"sentiment":"neutral","sentiment_score":0.19636936871955793,"num_words":150,"start":748.3,"end":805.66003},{"sentences":[{"text":"Yep.","start":821.58,"end":821.89996,"sentiment":"neutral","sentiment_score":0.12329581379890442},{"text":"Perfect.","start":821.89996,"end":822.3,"sentiment":"neutral","sentiment_score":0.32273876667022705},{"text":"So at the moment, I'm just gonna do this now.","start":822.3,"end":825.27997,"sentiment":"neutral","sentiment_score":0.17923663556575775},{"text":"I'll base everything for the retirement on just the super, especially when you get the new job.","start":826.06,"end":831.44,"sentiment":"neutral","sentiment_score":0.27131735051379485},{"text":"And then once you get through maybe age 60, 63, 65, we can talk again about if we do anything with the property or just leave them there for the rental.","start":831.625,"end":842.445,"sentiment":"neutral","sentiment_score":0.10322536383905719}],"sentiment":"neutral","sentiment_score":0.1675130362311999,"num_words":60,"start":821.58,"end":842.445},{"sentences":[{"text":"Is that okay?","start":844.68,"end":845.5,"sentiment":"neutral","sentiment_score":0.027084595213333767},{"text":"Yeah.","start":850.36,"end":850.68,"sentiment":"neutral","sentiment_score":0.0885215550661087},{"text":"I'll bring that up now for you.","start":850.68,"end":852.38,"sentiment":"neutral","sentiment_score":0.16573660501411983},{"text":"Now the balance in this document is just when we did the research, but I'm just gonna bring it up for you.","start":852.83997,"end":857.56,"sentiment":"neutral","sentiment_score":0.10410133275118741},{"text":"Just give me a moment, please.","start":857.56,"end":859.1,"sentiment":"neutral","sentiment_score":0.08611109852790833}],"sentiment":"neutral","sentiment_score":0.10607249967944928,"num_words":39,"start":844.68,"end":859.1},{"sentences":[{"text":"Won't take me more than about thirty seconds to grab.","start":863.525,"end":866.505,"sentiment":"neutral","sentiment_score":0.023897746950387953},{"text":"There we go.","start":869.525,"end":870.425,"sentiment":"neutral","sentiment_score":0.050021269669135414},{"text":"So the Netwealth does the two factor text message for the security.","start":872.10004,"end":876.68,"sentiment":"neutral","sentiment_score":0.05592137947678566},{"text":"Alright.","start":879.14,"end":879.64,"sentiment":"neutral","sentiment_score":0.058074481785297394},{"text":"140,114 today.","start":879.78,"end":882.92004,"sentiment":"neutral","sentiment_score":0.07715828716754913}],"sentiment":"neutral","sentiment_score":0.04544603172689676,"num_words":28,"start":863.525,"end":882.92004},{"sentences":[{"text":"K?","start":885.315,"end":885.815,"sentiment":"neutral","sentiment_score":0.04506012424826622},{"text":"So that's what I'm basing it off basically is where it's at now.","start":886.91504,"end":890.29504,"sentiment":"neutral","sentiment_score":0.06333054802738704},{"text":"What's it look like in five years, ten years?","start":890.35504,"end":892.85504,"sentiment":"neutral","sentiment_score":0.013433648790750239},{"text":"Cool.","start":896.13,"end":896.63,"sentiment":"positive","sentiment_score":0.3341182470321655},{"text":"Since so far, again, just to reiterate, wanna change a couple of investments, change the insurance premium fees in a couple of months' time, and then have a look at the projections after that.","start":897.08997,"end":909.82996,"sentiment":"neutral","sentiment_score":0.11021862748791189}],"sentiment":"neutral","sentiment_score":0.08742778740245206,"num_words":58,"start":885.315,"end":909.82996},{"sentences":[{"text":"But so far, are you okay for me to go ahead and do the changes to the super investments?","start":910.39496,"end":915.21497,"sentiment":"neutral","sentiment_score":0.11237543586053346},{"text":"Cool.","start":918.95496,"end":919.355,"sentiment":"neutral","sentiment_score":0.16469523310661316},{"text":"Do you have any questions for me?","start":919.355,"end":921.21497,"sentiment":"neutral","sentiment_score":0.0858188590833119},{"text":"Yep.","start":927.52997,"end":927.85,"sentiment":"neutral","sentiment_score":0.2838352620601654},{"text":"Awesome.","start":927.85,"end":928.35,"sentiment":"positive","sentiment_score":0.4921068549156189}],"sentiment":"neutral","sentiment_score":0.126775953276404,"num_words":29,"start":910.39496,"end":928.35},{"sentences":[{"text":"So I'll leave that one with you if you're comfortable with that.","start":928.57,"end":931.05,"sentiment":"neutral","sentiment_score":0.3033379142483075},{"text":"And if you sign off on that document, we can go on the Netwealth online and switch the investments once you've authorized it.","start":931.05,"end":939.775,"sentiment":"neutral","sentiment_score":0.2532432733670525},{"text":"The only other thing as well is I've included an updated appendix with some extra research.","start":940.47504,"end":945.375,"sentiment":"neutral","sentiment_score":0.08256174810230732},{"text":"That's the second document after this one.","start":945.43506,"end":948.29,"sentiment":"neutral","sentiment_score":0.06472086480685643},{"text":"There is a PDF for Netwealth just because they've updated the Netwealth document.","start":949.31,"end":954.77,"sentiment":"neutral","sentiment_score":0.07335726171731949}],"sentiment":"neutral","sentiment_score":0.1717229392117178,"num_words":71,"start":928.57,"end":954.77},{"sentences":[{"text":"And then there's a service agreement there as well.","start":955.47003,"end":957.87,"sentiment":"neutral","sentiment_score":0.043359999648398824},{"text":"So we can't remain advisers on the Netwealth and change anything unless you're happy with us to look after it.","start":957.87,"end":964.935,"sentiment":"neutral","sentiment_score":0.011734291320317424},{"text":"And I've got the updated agreement on there as well.","start":965.15497,"end":969.33496,"sentiment":"neutral","sentiment_score":0.11241422817111016},{"text":"The 1.65% for the fee, and that's for, again, split monthly, paid over the year.","start":971.235,"end":980.39,"sentiment":"neutral","sentiment_score":0.020302092656493187},{"text":"Next year, we're bringing in some discounts for everyone that gets above 200,000.","start":981.01,"end":986.15,"sentiment":"neutral","sentiment_score":0.14255840617876786}],"sentiment":"neutral","sentiment_score":0.058311325001857005,"num_words":67,"start":955.47003,"end":986.15},{"sentences":[{"text":"There'll be a lower percentage fee next year as well.","start":986.53,"end":989.745,"sentiment":"neutral","sentiment_score":0.14016259014606475},{"text":"K.","start":992.385,"end":992.785,"sentiment":"neutral","sentiment_score":0.18318411707878113},{"text":"Are you okay for me to leave that one with you, sir?","start":992.785,"end":995.045,"sentiment":"neutral","sentiment_score":0.24238392834862074},{"text":"Awesome.","start":997.985,"end":998.305,"sentiment":"positive","sentiment_score":0.8532471656799316},{"text":"I'll talk to you again soon.","start":998.305,"end":999.345,"sentiment":"positive","sentiment_score":0.7358299791812897}],"sentiment":"neutral","sentiment_score":0.32538813998301824,"num_words":30,"start":986.53,"end":999.345},{"sentences":[{"text":"Thank you so much.","start":999.345,"end":1000.325,"sentiment":"positive","sentiment_score":0.8398709744215012}],"sentiment":"positive","sentiment_score":0.8398709744215012,"num_words":4,"start":999.345,"end":1000.325}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, mate. How are you? That's fine. No worries. You can you can talk maybe. How long do you need to? Yeah. That's fine. No worries. Yes. Yeah. April 15 1969. 11 Conway Place, Huntingdale 6710. Sorry. Say again? Yeah. Yeah. That's right. Yeah. Mhmm. Mhmm. Okay. As so far, I did not receive an email. Yes. That's fine, but I did not receive so far. No. 50 nine. Okay. No, ma'am. Mhmm. Three. Yeah. Mhmm. Okay. Okay. Yeah. Yeah. That's nine. Yep. Yep. Mhmm. I think that if you can find the cheaper price, maybe. Yeah. Yeah. No. That's fine. I'm okay. Yeah. Yeah. No. No. I'm I'm thinking to do a bus driver now. I'm planning to search a job for that. No bus driver, like, maybe fly in, fly out or local bus driver. I'm just looking for the job looking as a bus driver. Yeah. Okay. Sure. Yeah. It's 10. Yep. Risk information. Okay. Okay. Mhmm. Yep. Mhmm. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Yeah. Mhmm. Okay. Mhmm. Broad delta. Yeah. Yeah. Mhmm. Okay. Yeah. Okay. Mhmm. Okay. Mhmm. Mhmm. Okay. Mhmm. Okay. Yes. Okay. Mhmm. Uh-huh. Yep. Uh-huh. Yes. I maybe I I maybe keep the properties for for my kids. You know? I I don't want to sell the property as of now because maybe we can things will change and then change our mind in future. We don't know that. But as of now, actually, we are I'm not there anything to sell now. Sure. If you don't mind, how much the how much the current balance, the money in my super? Okay. Thank you. Mhmm. Yeah. Okay. No worries. Thank you. Yep. Yeah. I think nothing. All good. Yes. No. Okay. No worries. Anyway, thank you very much. That's fine. Thank you very much. See you then. Thanks, mate. Thanks. 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Yeah. Good, mate. How are you? That's fine.\n\nNo worries. You can you can talk maybe. How long do you need to? Yeah. That's fine.\n\nNo worries. Yes. Yeah. April 15 1969. 11 Conway Place, Huntingdale 6710.\n\nSorry. Say again? Yeah. Yeah. That's right.\n\nYeah. Mhmm. Mhmm. Okay. As so far, I did not receive an email.\n\nYes. That's fine, but I did not receive so far. No. 50 nine. Okay.\n\nNo, ma'am. Mhmm. Three. Yeah. Mhmm.\n\nOkay. Okay. Yeah. Yeah. That's nine.\n\nYep. Yep. Mhmm. I think that if you can find the cheaper price, maybe. Yeah.\n\nYeah. No. That's fine. I'm okay. Yeah.\n\nYeah. No. No. I'm I'm thinking to do a bus driver now. I'm planning to search a job for that.\n\nNo bus driver, like, maybe fly in, fly out or local bus driver. I'm just looking for the job looking as a bus driver. Yeah. Okay. Sure.\n\nYeah. It's 10. Yep. Risk information. Okay.\n\nOkay. Mhmm. Yep. Mhmm. Yes.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Okay. Yeah. Mhmm. Okay.\n\nMhmm. Broad delta. Yeah. 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right.","start":86.99,"end":87.549995,"sentiment":"neutral","sentiment_score":0.018142945133149624}],"sentiment":"neutral","sentiment_score":-0.04447173273989132,"num_words":7,"start":80.135,"end":87.549995},{"sentences":[{"text":"Yeah.","start":87.549995,"end":88.049995,"sentiment":"neutral","sentiment_score":0.02042974904179573},{"text":"Mhmm.","start":97.63,"end":98.13,"sentiment":"neutral","sentiment_score":0.019761506468057632},{"text":"Mhmm.","start":102.314995,"end":102.814995,"sentiment":"neutral","sentiment_score":0.05875803157687187},{"text":"Okay.","start":116.13,"end":116.63,"sentiment":"neutral","sentiment_score":-0.03011157177388668},{"text":"As so far, I did not receive an email.","start":116.85,"end":122.07,"sentiment":"neutral","sentiment_score":-0.2122275729974111}],"sentiment":"neutral","sentiment_score":-0.14163157243568164,"num_words":13,"start":87.549995,"end":122.07},{"sentences":[{"text":"Yes.","start":128.795,"end":129.295,"sentiment":"neutral","sentiment_score":-0.06265650689601898},{"text":"That's fine, but I did not receive so far.","start":129.315,"end":131.77501,"sentiment":"neutral","sentiment_score":-0.19208169480164847},{"text":"No.","start":135.355,"end":135.855,"sentiment":"neutral","sentiment_score":-0.22181078791618347},{"text":"50 nine.","start":142.8,"end":143.94,"sentiment":"neutral","sentiment_score":0.05734507739543915},{"text":"Okay.","start":205.11,"end":205.61,"sentiment":"neutral","sentiment_score":0.05659099295735359}],"sentiment":"neutral","sentiment_score":-0.13156581430562905,"num_words":14,"start":128.795,"end":205.61},{"sentences":[{"text":"No, ma'am.","start":211.60501,"end":212.265,"sentiment":"neutral","sentiment_score":-0.06797760166227818},{"text":"Mhmm.","start":224.725,"end":224.975,"sentiment":"neutral","sentiment_score":0.018304836004972454},{"text":"Three.","start":224.975,"end":225.475,"sentiment":"neutral","sentiment_score":0.007579389493912458},{"text":"Yeah.","start":230.64001,"end":231.14001,"sentiment":"neutral","sentiment_score":0.13502468168735504},{"text":"Mhmm.","start":244.815,"end":245.315,"sentiment":"neutral","sentiment_score":0.1015065535902977}],"sentiment":"neutral","sentiment_score":0.021076709575330217,"num_words":6,"start":211.60501,"end":245.315},{"sentences":[{"text":"Okay.","start":262.59,"end":263.09,"sentiment":"neutral","sentiment_score":0.0529550239443779},{"text":"Okay.","start":278.785,"end":279.285,"sentiment":"neutral","sentiment_score":0.01197212003171444},{"text":"Yeah.","start":294.55,"end":295.05,"sentiment":"neutral","sentiment_score":0.06992846727371216},{"text":"Yeah.","start":305.095,"end":305.595,"sentiment":"neutral","sentiment_score":0.06506716459989548},{"text":"That's 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maybe I I maybe keep the properties for for my kids.","start":803.965,"end":808.605,"sentiment":"neutral","sentiment_score":0.04619900075097879},{"text":"You know?","start":808.605,"end":808.925,"sentiment":"neutral","sentiment_score":-0.0555836483836174},{"text":"I I don't want to sell the property as of now because maybe we can things will change and then change our mind in future.","start":808.925,"end":815.67,"sentiment":"neutral","sentiment_score":-0.1323784527182579}],"sentiment":"neutral","sentiment_score":-0.06777948627202976,"num_words":41,"start":780.065,"end":815.67},{"sentences":[{"text":"We don't know that.","start":815.67,"end":816.31,"sentiment":"neutral","sentiment_score":-0.13446305319666862},{"text":"But as of now, actually, we are I'm not there anything to sell now.","start":816.31,"end":820.73,"sentiment":"neutral","sentiment_score":-0.20584299841097423},{"text":"Sure.","start":843.12,"end":843.6,"sentiment":"neutral","sentiment_score":0.1207382008433342},{"text":"If you don't mind, how much the how much the current balance, the money in my super?","start":843.6,"end":849.38,"sentiment":"neutral","sentiment_score":0.022008264656452572},{"text":"Okay.","start":883.765,"end":884.265,"sentiment":"neutral","sentiment_score":0.20292982459068296}],"sentiment":"neutral","sentiment_score":-0.07356339637693521,"num_words":37,"start":815.67,"end":884.265},{"sentences":[{"text":"Thank you.","start":884.485,"end":885.205,"sentiment":"positive","sentiment_score":0.4072933793067932},{"text":"Mhmm.","start":885.205,"end":885.705,"sentiment":"neutral","sentiment_score":0.09452667832374571},{"text":"Yeah.","start":886.245,"end":886.745,"sentiment":"neutral","sentiment_score":0.043281253427267075},{"text":"Okay.","start":893.445,"end":893.925,"sentiment":"neutral","sentiment_score":0.0732424408197403},{"text":"No worries.","start":893.925,"end":894.405,"sentiment":"neutral","sentiment_score":0.14021925255656242}],"sentiment":"neutral","sentiment_score":0.18658223375678062,"num_words":7,"start":884.485,"end":894.405},{"sentences":[{"text":"Thank you.","start":894.405,"end":895.22504,"sentiment":"positive","sentiment_score":0.38266855478286743},{"text":"Yep.","start":903.89996,"end":904.39996,"sentiment":"neutral","sentiment_score":0.10256056487560272},{"text":"Yeah.","start":916.795,"end":917.295,"sentiment":"neutral","sentiment_score":0.09569166600704192},{"text":"I think nothing.","start":922.10004,"end":923.96,"sentiment":"neutral","sentiment_score":-0.0969402442375819},{"text":"All good.","start":924.74005,"end":925.4,"sentiment":"neutral","sentiment_score":0.16161733865737915}],"sentiment":"neutral","sentiment_score":0.1106670316722658,"num_words":9,"start":894.405,"end":925.4},{"sentences":[{"text":"Yes.","start":971.115,"end":971.615,"sentiment":"neutral","sentiment_score":0.05413989722728729},{"text":"No.","start":975.03503,"end":975.53503,"sentiment":"neutral","sentiment_score":-0.01470552198588848},{"text":"Okay.","start":990.02997,"end":990.52997,"sentiment":"neutral","sentiment_score":0.09866279363632202},{"text":"No worries.","start":990.75,"end":991.49,"sentiment":"neutral","sentiment_score":0.11053229123353958},{"text":"Anyway, thank you very 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mate.","start":1000.095,"end":1000.815,"sentiment":"positive","sentiment_score":0.7973844110965729},{"text":"Thanks.","start":1000.815,"end":1001.135,"sentiment":"positive","sentiment_score":0.7586866617202759}],"sentiment":"positive","sentiment_score":0.7343400766452154,"num_words":12,"start":995.055,"end":1001.135},{"sentences":[{"text":"Bye.","start":1001.135,"end":1001.635,"sentiment":"neutral","sentiment_score":-0.10126490890979768}],"sentiment":"neutral","sentiment_score":-0.10126490890979768,"num_words":1,"start":1001.135,"end":1001.635}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Senthil, it's Tommy here from. How are you doing?\n\nChannel 1: Yeah. Good, mate. How are you?\n\nChannel 0: Living the dream. It's a bit of a miserable cold weather out here on the Gold Coast, and my my three year old son broke his leg. So if you hear anything in the background, I do apologize.\n\nChannel 1: That's fine. No worries.\n\nChannel 0: No worries, mate. I've got you here. I've got a bit of an updated document to send through to you. How long have I got you for today?\n\nChannel 1: You can you can talk maybe. How long do you need to?\n\nChannel 0: Maybe fifteen, twenty?\n\nChannel 1: Yeah. That's fine. No worries.\n\nChannel 0: Perfect. Perfect. So I'm just gonna quickly do a security check and send this through to you. Will you be able to jump on to your emails with me?\n\nChannel 1: Yes.\n\nChannel 0: I'll pop that through now. Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security?\n\nChannel 1: Yeah. April 15 1969. 11 Conway Place,\n\nChannel 0: Yep.\n\nChannel 1: Huntingdale 6710.\n\nChannel 0: Amazing. Thank you so much for that. Appreciate that, mate. Now just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment.\n\nChannel 1: Sorry. Say again? Yeah.\n\nChannel 0: Yeah. Michelle was just saying that you're between jobs at the moment and still looking around.\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Yep. So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to talk to you a bit today about the insurances and a few other things, if that's okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Perfect. So just let me know when that comes through. There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me.\n\nChannel 1: Okay. As so far, I did not receive an email.\n\nChannel 0: And I've sent that through to your Yahoo address.\n\nChannel 1: Yes. That's fine, but I did not receive so far.\n\nChannel 0: Nothing's come through so far?\n\nChannel 1: No.\n\nChannel 0: K. Let me have a quick look. Please bear with me for two seconds, sir. I'll just do\n\nChannel 1: 50\n\nChannel 0: a little refresh.\n\nChannel 1: nine.\n\nChannel 0: Thanks. There we go. There we go. Update this one. Pop it there.\n\nYep. Perfect. So if you get tools and they just opened just the one for me, I've sent a a refresh. So if you accidentally get through, just let me know. But there's a so hit that button.\n\nIt doesn't sign anything, but just so you can look at the documents with\n\nChannel 1: Okay.\n\nChannel 0: me first. And you should see a beachfront city picture with the Gold Coast on it.\n\nChannel 1: No, ma'am.\n\nChannel 0: Cool. Now once you can see that on the statement of advice, if you could just go down to page three for me, it just got a a scope of advice heading in blue. Can you see that\n\nChannel 1: Mhmm.\n\nChannel 0: there?\n\nChannel 1: Three.\n\nChannel 0: Yeah. Page three and four has a scope heading.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So everything that we've done for the recommendations, it's about that retirement goal, which was at the latest age 67, at the earliest age 60, if you can afford it.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. So what I've done in here is I've fixed up some of the investments inside the NetWell, which weren't performing as well as the other ones, and that's what this document goes over, just updating some of the super investments.\n\nChannel 1: Okay.\n\nChannel 0: Now what I've had to do with this one is I've updated it because of the occupation change is I've just taken out the contributions because obviously until the contributions are coming in, it's gonna look a lot different.\n\nChannel 1: Okay.\n\nChannel 0: So on page seven and eight, I've just got the I've updated it to previous occupation and unemployed, but I've got your assets there, which is the home, the investment property, cars, and credit cards.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now can you go down to page nine for me? It should say in a red heading, current risk protection portfolio.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: nine. Yep.\n\nChannel 0: So yep. Can you see that little blue table there with MetLife?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So last time I spoke to you, I gave you a bit of a warning that the insurance premiums were gonna jump up again, And we were leaving it alone for the time being because you had some friends that were paying 2,000. Your insurance premiums were 4,000. We were gonna look at it pretty soon, but they've just gone up to over 6,000 with the last increase. I wanted to run that by you and let you know that it's gotten quite expensive.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I wanted to ask you is two questions. The 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price?\n\nChannel 1: I think that if you can find the cheaper price, maybe.\n\nChannel 0: Yep. Now I'll go I've basically got someone in the background doing quotes for me for all the insurance, and I'm gonna try and find the best one. But when I find the good one, are you okay to go through, like, the medical questions with my team on another\n\nChannel 1: Yeah.\n\nChannel 0: call on a different\n\nChannel 1: Yeah.\n\nChannel 0: day?\n\nChannel 1: No. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: I'm okay.\n\nChannel 0: And do you want me to just quote it on the same amount? 652,000, just\n\nChannel 1: Yeah.\n\nChannel 0: replace it for a cheaper price?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing\n\nChannel 1: No.\n\nChannel 0: something\n\nChannel 1: No. I'm\n\nChannel 0: different?\n\nChannel 1: I'm thinking to do a bus driver now. I'm planning to\n\nChannel 0: Okay.\n\nChannel 1: search a job for that. No bus driver, like, maybe fly in, fly out or local bus driver. I'm just looking for the job looking as a bus driver.\n\nChannel 0: Okay. So is it okay with you that as soon as you get that, we'll have to wait for that job before we can do the quote? And then\n\nChannel 1: Yeah.\n\nChannel 0: that way\n\nChannel 1: Okay.\n\nChannel 0: I can get it trimmed down. Cool. Alright. So I will do that. I'm gonna basically get my team to call you in a few months time to see how you went.\n\nBut if you do land a job, are you\n\nChannel 1: Sure.\n\nChannel 0: able to call in and let us know?\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. Amazing. Okay. Cool. So if you keep going down in that document, page 10, you'll see risk profile.\n\nChannel 1: It's 10. Yep. Risk information.\n\nChannel 0: Yep. Correct. So risk profile, we're not changing the risk profile. We were just changing the investment. So we're staying broke, which is at four out of five, and still trying to get as much growth out of it as possible for that retirement goal.\n\nChannel 1: Okay.\n\nChannel 0: Now when I did the previous projections on the 120,000 income that you had before, you were pretty much on track. But, obviously, when I take the contributions out, the the soup is not gonna grow very much with the premiums coming out the fee and without the contributions going in.\n\nChannel 1: Okay.\n\nChannel 0: So if you can skip down for me, I'll I'll show you the tables. That'll be the quickest way. So page 12 has strategy recommendations. There's a lot of text there about what we're doing.\n\nChannel 1: Mhmm.\n\nChannel 0: Page 13 has the pros and cons in an advantage disadvantage table.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, what I've come up with is I found some investments that are a little bit cheaper. They they save the investment fees and they've got better performance, but there's a little bit of brokerage fees to purchase them, and then they're very cheap going forward. And there's a little bit of capital gains\n\nChannel 1: Mhmm.\n\nChannel 0: tax inside the super that I've factored in for switching investments. Now if you go down to page 15 for me, it's got a bit of a table there called\n\nChannel 1: Yes.\n\nChannel 0: investments with a blue blue table.\n\nChannel 1: Yeah.\n\nChannel 0: So what I'm wanting to do is I'm rebalancing all the investments back to the normal percentages. So that second last column where you can see the round figure is 10%, 0%, 0%, 5%. Can you see that there in the second last\n\nChannel 1: Yeah.\n\nChannel 0: column?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. So the ones that are 0% are the ones that I wanna get rid of and replace with somebody else. And the ones that still have a percentage in there, they're just being rebalanced with that. So just\n\nChannel 1: Okay.\n\nChannel 0: bringing everything back to the middle.\n\nChannel 1: Okay.\n\nChannel 0: K? So the big one for yours, Benelon Concentrated, was performing very bad. So I've replaced that at the second last one, Australia two 100. BetaShares Australia 200. Can you see that there?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better.\n\nChannel 1: Mhmm.\n\nChannel 0: And there's a few other little ones there. Like, we'll we'll leave Japan in there, cyber security, that's fine. But I just put a different defensive option in there, which is a little bit better than the one that you've got currently.\n\nChannel 1: Okay.\n\nChannel 0: K? So what this looks like is if you go down to seventeen, eighteen, and 19, these are the three pages I really wanted to show you today.\n\nChannel 1: Mhmm.\n\nChannel 0: K. So in 17, colored pie chart, and in the table below it, the very middle row, you can see growth title in gray. Can you see that there, Santel?\n\nChannel 1: Broad delta. Yeah.\n\nChannel 0: Yep. So the risk profile for growth, you need around about 80%. You're\n\nChannel 1: Yeah.\n\nChannel 0: currently sitting at about 73. And once we get it rebalanced, it'll bring it back up to 85, which is right in the middle for\n\nChannel 1: Mhmm.\n\nChannel 0: your risk profile.\n\nChannel 1: Okay.\n\nChannel 0: K? Now if you go to the next page, it shows you the fee table.\n\nChannel 1: Yeah.\n\nChannel 0: And so there's $510 that the super will pay inside the tax to move everything around, but then the fees every year, 336 cheaper every year after that.\n\nChannel 1: Okay.\n\nChannel 0: And at the bottom, the five year performance, it brings it back up from 5.84% to 11.57% with the fix up.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K? Now if you go to the next page, it shows the updated projection.\n\nChannel 1: Mhmm.\n\nChannel 0: Five and ten years. So without the contributions coming in and with those really high insurance premium costs,\n\nChannel 1: Mhmm.\n\nChannel 0: the supers if we leave it alone as it is, it's gonna start going backwards down to a 115,000 then down to 91,000. With\n\nChannel 1: Okay.\n\nChannel 0: the new investments we've picked, it's gonna grow to a hundred and fifty, a hundred and eighty thousand without any\n\nChannel 1: Mhmm.\n\nChannel 0: contributions going in. It's gonna grow more than the fees.\n\nChannel 1: Okay.\n\nChannel 0: K? So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13. We just wanna make sure that almost every year, you're getting above 10% in returns long term.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So what I'm basically thinking, Cecil, is I wanna fix up these investments at the moment. And then as soon as you get that bus driver job, I wanna get the insurance premium down.\n\nChannel 1: Mhmm.\n\nChannel 0: Hopefully, save a couple of thousand there. And then after\n\nChannel 1: Uh-huh.\n\nChannel 0: that, we're pretty much gonna try and grow it as much as we can. And then once you hit 60, we can start doing transition to retirement contributions,\n\nChannel 1: Yep.\n\nChannel 0: which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well.\n\nChannel 1: Uh-huh.\n\nChannel 0: The other question I have for you, so once the contributions are coming in, fix the investment, get the fees down, the investment property, if you're wanting to leave investment properties to the children,\n\nChannel 1: Yes.\n\nChannel 0: Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: maybe\n\nChannel 0: pass them\n\nChannel 1: I\n\nChannel 0: down?\n\nChannel 1: I maybe keep the properties for for my kids. You know? I I don't want to sell the property as of now because maybe we can things will change and then change our mind in future. We don't know that. But as of now, actually, we are I'm not there anything to sell now.\n\nChannel 0: Yep. Perfect. So at the moment, I'm just gonna do this now. I'll base everything for the retirement on just the super, especially when you get the new job. And then once you get through maybe age 60, 63, 65, we can talk again about if we do anything with the property or just leave them there for the rental.\n\nChannel 1: Sure. If you don't mind, how much\n\nChannel 0: Is that\n\nChannel 1: the\n\nChannel 0: okay?\n\nChannel 1: how much the current balance, the money in my super?\n\nChannel 0: Yeah. I'll bring that up now for you. Now the balance in this document is just when we did the research, but I'm just gonna bring it up for you. Just give me a moment, please. Won't take me more than about thirty seconds to grab.\n\nThere we go. So the Netwealth does the two factor text message for the security. Alright. 140,114 today.\n\nChannel 1: Okay. Thank you. Mhmm.\n\nChannel 0: K?\n\nChannel 1: Yeah.\n\nChannel 0: So that's what I'm basing it off basically is where it's at now. What's it look like in five years, ten years?\n\nChannel 1: Okay. No worries. Thank you.\n\nChannel 0: Cool. Since so far, again, just to reiterate, wanna change a couple of investments, change the\n\nChannel 1: Yep.\n\nChannel 0: insurance premium fees in a couple of months' time, and then have a look at the projections after that. But so far, are you okay for me to go ahead and do the changes to the super investments?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Do you have any questions for me?\n\nChannel 1: I think nothing. All good.\n\nChannel 0: Yep. Awesome. So I'll leave that one with you if you're comfortable with that. And if you sign off on that document, we can go on the Netwealth online and switch the investments once you've authorized it. The only other thing as well is I've included an updated appendix with some extra research.\n\nThat's the second document after this one. There is a PDF for Netwealth just because they've updated the Netwealth document. And then there's a service agreement there as well. So we can't remain advisers on the Netwealth and change anything unless you're happy with us to look after it. And I've got the updated agreement on there as well.\n\nChannel 1: Yes.\n\nChannel 0: The 1.65% for the fee, and\n\nChannel 1: No.\n\nChannel 0: that's for, again, split monthly, paid over the year. Next year, we're bringing in some discounts for everyone that gets above 200,000. There'll be a lower percentage fee next year as well.\n\nChannel 1: Okay. No worries. Anyway,\n\nChannel 0: K.\n\nChannel 1: thank you\n\nChannel 0: Are\n\nChannel 1: very\n\nChannel 0: you okay\n\nChannel 1: much.\n\nChannel 0: for me to leave that one with you, sir?\n\nChannel 1: That's fine. Thank you very much. See you then.\n\nChannel 0: Awesome. I'll talk to you again soon. Thank you so much.\n\nChannel 1: Thanks, mate. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.03199482336640358}],"sentiment":"neutral","sentiment_score":0.03199482336640358,"channel":1,"num_words":1,"start":0.32,"end":0.82},{"sentences":[{"text":"Senthil, it's Tommy here from.","start":2.48,"end":4.24,"sentiment":"neutral","sentiment_score":0.07957475036382675},{"text":"How are you doing?","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.12077830731868744}],"sentiment":"neutral","sentiment_score":0.09788744234376484,"channel":0,"num_words":9,"start":2.48,"end":5.22},{"sentences":[{"text":"Yeah.","start":5.3599997,"end":5.6,"sentiment":"neutral","sentiment_score":0.18474982678890228},{"text":"Good, mate.","start":5.6,"end":6.0,"sentiment":"positive","sentiment_score":0.4897727072238922},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"positive","sentiment_score":0.4176570773124695}],"sentiment":"positive","sentiment_score":0.40287774552901584,"channel":1,"num_words":6,"start":5.3599997,"end":6.74},{"sentences":[{"text":"Living the dream.","start":7.3599997,"end":8.24,"sentiment":"neutral","sentiment_score":0.2781419853369395},{"text":"It's a bit of a miserable cold weather out here on the Gold Coast, and my my three year old son broke his leg.","start":8.24,"end":14.88,"sentiment":"negative","sentiment_score":-0.357202623039484},{"text":"So if you hear anything in the background, I do apologize.","start":14.88,"end":17.494999,"sentiment":"neutral","sentiment_score":-0.24012242663990369}],"sentiment":"neutral","sentiment_score":-0.2731522023677826,"channel":0,"num_words":38,"start":7.3599997,"end":17.494999},{"sentences":[{"text":"That's fine.","start":18.095001,"end":18.575,"sentiment":"neutral","sentiment_score":-0.02915514074265957},{"text":"No worries.","start":18.575,"end":19.235,"sentiment":"neutral","sentiment_score":-0.003030257299542427}],"sentiment":"neutral","sentiment_score":-0.016092699021100998,"channel":1,"num_words":4,"start":18.095001,"end":19.235},{"sentences":[{"text":"No worries, mate.","start":19.875,"end":20.595,"sentiment":"neutral","sentiment_score":0.016438487296303112},{"text":"I've got you here.","start":20.595,"end":21.235,"sentiment":"neutral","sentiment_score":0.06471430230885744},{"text":"I've got a bit of an updated document to send through to you.","start":21.235,"end":24.294998,"sentiment":"neutral","sentiment_score":0.05261946154328493},{"text":"How long have I got you for today?","start":24.755,"end":26.695,"sentiment":"neutral","sentiment_score":0.008635563543066382}],"sentiment":"neutral","sentiment_score":0.03790393498327051,"channel":0,"num_words":28,"start":19.875,"end":26.695},{"sentences":[{"text":"You can you can talk maybe.","start":29.59,"end":30.89,"sentiment":"neutral","sentiment_score":0.0004862169735133648},{"text":"How long do you need to?","start":31.029999,"end":32.41,"sentiment":"neutral","sentiment_score":-0.001176936086267233}],"sentiment":"neutral","sentiment_score":-0.00034535955637693405,"channel":1,"num_words":12,"start":29.59,"end":32.41},{"sentences":[{"text":"Maybe fifteen, twenty?","start":33.41,"end":34.87,"sentiment":"neutral","sentiment_score":0.003640249061087767}],"sentiment":"neutral","sentiment_score":0.003640249061087767,"channel":0,"num_words":3,"start":33.41,"end":34.87},{"sentences":[{"text":"Yeah.","start":35.27,"end":35.51,"sentiment":"neutral","sentiment_score":0.044290293008089066},{"text":"That's fine.","start":35.51,"end":35.989998,"sentiment":"neutral","sentiment_score":0.09321603178977966},{"text":"No worries.","start":35.989998,"end":36.65,"sentiment":"neutral","sentiment_score":0.12301596626639366}],"sentiment":"neutral","sentiment_score":0.09535085782408714,"channel":1,"num_words":5,"start":35.27,"end":36.65},{"sentences":[{"text":"Perfect.","start":37.25,"end":37.65,"sentiment":"positive","sentiment_score":0.3873916566371918},{"text":"Perfect.","start":37.65,"end":37.97,"sentiment":"positive","sentiment_score":0.345142126083374},{"text":"So I'm just gonna quickly do a security check and send this through to you.","start":37.97,"end":41.175,"sentiment":"neutral","sentiment_score":0.18254389415184658},{"text":"Will you be able to jump on to your emails with me?","start":41.575,"end":43.995,"sentiment":"neutral","sentiment_score":0.10517558331290881}],"sentiment":"neutral","sentiment_score":0.16319997223286792,"channel":0,"num_words":29,"start":37.25,"end":43.995},{"sentences":[{"text":"Yes.","start":49.415,"end":49.915,"sentiment":"neutral","sentiment_score":0.0917438492178917}],"sentiment":"neutral","sentiment_score":0.0917438492178917,"channel":1,"num_words":1,"start":49.415,"end":49.915},{"sentences":[{"text":"I'll pop that through now.","start":49.735,"end":51.335,"sentiment":"neutral","sentiment_score":0.12715966254472733},{"text":"Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security?","start":51.335,"end":56.954998,"sentiment":"neutral","sentiment_score":0.06690934114158154}],"sentiment":"neutral","sentiment_score":0.07729732759039977,"channel":0,"num_words":29,"start":49.735,"end":56.954998},{"sentences":[{"text":"Yeah.","start":57.579998,"end":57.82,"sentiment":"neutral","sentiment_score":0.014243701472878456},{"text":"April 15 1969.","start":57.82,"end":59.739998,"sentiment":"neutral","sentiment_score":0.009198295573393503},{"text":"11 Conway Place,","start":59.739998,"end":60.859997,"sentiment":"neutral","sentiment_score":0.012624025344848633}],"sentiment":"neutral","sentiment_score":0.011387237746800696,"channel":1,"num_words":7,"start":57.579998,"end":60.859997},{"sentences":[{"text":"Yep.","start":60.670002,"end":61.170002,"sentiment":"neutral","sentiment_score":0.02230793796479702}],"sentiment":"neutral","sentiment_score":0.02230793796479702,"channel":0,"num_words":1,"start":60.670002,"end":61.170002},{"sentences":[{"text":"Huntingdale 6710.","start":60.859997,"end":63.039997,"sentiment":"neutral","sentiment_score":0.020505481399595737}],"sentiment":"neutral","sentiment_score":0.020505481399595737,"channel":1,"num_words":2,"start":60.859997,"end":63.039997},{"sentences":[{"text":"Amazing.","start":62.59,"end":63.09,"sentiment":"positive","sentiment_score":0.3923209011554718},{"text":"Thank you so much for that.","start":63.63,"end":64.83,"sentiment":"positive","sentiment_score":0.6355882485707601},{"text":"Appreciate that, mate.","start":64.83,"end":66.05,"sentiment":"positive","sentiment_score":0.5436360041300455},{"text":"Now just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment.","start":68.51,"end":78.675,"sentiment":"neutral","sentiment_score":-0.06411775045337216}],"sentiment":"neutral","sentiment_score":0.09388068636379591,"channel":0,"num_words":41,"start":62.59,"end":78.675},{"sentences":[{"text":"Sorry.","start":80.135,"end":80.375,"sentiment":"neutral","sentiment_score":-0.11965037137269974},{"text":"Say again?","start":80.375,"end":81.035,"sentiment":"neutral","sentiment_score":-0.08421017974615097},{"text":"Yeah.","start":81.575005,"end":82.075005,"sentiment":"neutral","sentiment_score":-0.056563422083854675}],"sentiment":"neutral","sentiment_score":-0.08615853823721409,"channel":1,"num_words":4,"start":80.135,"end":82.075005},{"sentences":[{"text":"Yeah.","start":82.494995,"end":82.815,"sentiment":"neutral","sentiment_score":-0.056286606937646866},{"text":"Michelle was just saying that you're between jobs at the moment and still looking around.","start":82.815,"end":86.435,"sentiment":"neutral","sentiment_score":-0.07726923301815987}],"sentiment":"neutral","sentiment_score":-0.0759578188881278,"channel":0,"num_words":16,"start":82.494995,"end":86.435},{"sentences":[{"text":"Yeah.","start":86.75,"end":86.99,"sentiment":"neutral","sentiment_score":-0.002953866496682167},{"text":"That's right.","start":86.99,"end":87.549995,"sentiment":"neutral","sentiment_score":0.018142945133149624},{"text":"Yeah.","start":87.549995,"end":88.049995,"sentiment":"neutral","sentiment_score":0.02042974904179573}],"sentiment":"neutral","sentiment_score":0.013440443202853203,"channel":1,"num_words":4,"start":86.75,"end":88.049995},{"sentences":[{"text":"Yep.","start":88.5,"end":89.0,"sentiment":"neutral","sentiment_score":0.01615402288734913},{"text":"So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted","start":89.14,"end":97.700005,"sentiment":"neutral","sentiment_score":0.03173044566453124}],"sentiment":"neutral","sentiment_score":0.031107388753443956,"channel":0,"num_words":25,"start":88.5,"end":97.700005},{"sentences":[{"text":"Mhmm.","start":97.63,"end":98.13,"sentiment":"neutral","sentiment_score":0.019761506468057632}],"sentiment":"neutral","sentiment_score":0.019761506468057632,"channel":1,"num_words":1,"start":97.63,"end":98.13},{"sentences":[{"text":"to talk to you a bit today about the insurances and a few other things, if that's okay.","start":97.700005,"end":101.8,"sentiment":"neutral","sentiment_score":0.025673613366153505}],"sentiment":"neutral","sentiment_score":0.025673613366153505,"channel":0,"num_words":18,"start":97.700005,"end":101.8},{"sentences":[{"text":"Mhmm.","start":102.314995,"end":102.814995,"sentiment":"neutral","sentiment_score":0.05875803157687187}],"sentiment":"neutral","sentiment_score":0.05875803157687187,"channel":1,"num_words":1,"start":102.314995,"end":102.814995},{"sentences":[{"text":"Perfect.","start":103.985,"end":104.385,"sentiment":"neutral","sentiment_score":0.2395390272140503},{"text":"Perfect.","start":104.385,"end":104.625,"sentiment":"neutral","sentiment_score":0.26171159744262695},{"text":"So just let me know when that comes through.","start":104.625,"end":106.485,"sentiment":"neutral","sentiment_score":0.16169307629267374},{"text":"There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me.","start":107.105,"end":114.0,"sentiment":"neutral","sentiment_score":0.10040198898185855}],"sentiment":"neutral","sentiment_score":0.12546276640804374,"channel":0,"num_words":34,"start":103.985,"end":114.0},{"sentences":[{"text":"Okay.","start":116.13,"end":116.63,"sentiment":"neutral","sentiment_score":-0.03011157177388668},{"text":"As so far, I did not receive an email.","start":116.85,"end":122.07,"sentiment":"neutral","sentiment_score":-0.2122275729974111}],"sentiment":"neutral","sentiment_score":-0.19401597287505865,"channel":1,"num_words":10,"start":116.13,"end":122.07},{"sentences":[{"text":"And I've sent that through to your Yahoo address.","start":124.24,"end":127.3,"sentiment":"neutral","sentiment_score":-0.16268302665816414}],"sentiment":"neutral","sentiment_score":-0.16268302665816414,"channel":0,"num_words":9,"start":124.24,"end":127.3},{"sentences":[{"text":"Yes.","start":128.795,"end":129.295,"sentiment":"neutral","sentiment_score":-0.06265650689601898},{"text":"That's fine, but I did not receive so far.","start":129.315,"end":131.77501,"sentiment":"neutral","sentiment_score":-0.19208169480164847}],"sentiment":"neutral","sentiment_score":-0.1791391760110855,"channel":1,"num_words":10,"start":128.795,"end":131.77501},{"sentences":[{"text":"Nothing's come through so far?","start":133.095,"end":134.635,"sentiment":"neutral","sentiment_score":-0.19800273180007935}],"sentiment":"neutral","sentiment_score":-0.19800273180007935,"channel":0,"num_words":5,"start":133.095,"end":134.635},{"sentences":[{"text":"No.","start":135.355,"end":135.855,"sentiment":"neutral","sentiment_score":-0.22181078791618347}],"sentiment":"neutral","sentiment_score":-0.22181078791618347,"channel":1,"num_words":1,"start":135.355,"end":135.855},{"sentences":[{"text":"K.","start":136.855,"end":137.095,"sentiment":"neutral","sentiment_score":-0.09281618893146516},{"text":"Let me have a quick look.","start":137.095,"end":138.875,"sentiment":"neutral","sentiment_score":-0.03713571901122729},{"text":"Please bear with me for two seconds, sir.","start":140.47,"end":142.39,"sentiment":"neutral","sentiment_score":0.006333262543193996},{"text":"I'll just 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mate.","start":1000.095,"end":1000.815,"sentiment":"positive","sentiment_score":0.7973844110965729},{"text":"Thanks.","start":1000.815,"end":1001.135,"sentiment":"positive","sentiment_score":0.7586866617202759},{"text":"Bye.","start":1001.135,"end":1001.635,"sentiment":"neutral","sentiment_score":-0.10126490890979768}],"sentiment":"positive","sentiment_score":0.563047643750906,"channel":1,"num_words":4,"start":1000.095,"end":1001.635}]},"summary":{"result":"success","short":"A customer, Senthil, discusses retirement goals with a representative, Tommy, who updates his plan to increase investments and bump up risk protection premiums. Senthil asks for a quote and learns that the insurance premiums will increase and they need to wait for work before doing a quote. The representative shows Senthil the risk profile and performance of investments, including the need for a bus driver job and a new investment. They discuss rebalancing investments and changing risks, and the speaker plans to fix up investments and reduce insurance premium costs. The speaker also provides information on a new document and service agreement."},"intents":{"segments":[{"text":"I've got a bit of an updated document to send through to you.","start_word":65,"end_word":77,"intents":[{"intent":"Update document","confidence_score":0.2737054}]},{"text":"Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security? Yeah.","start_word":141,"end_word":165,"intents":[{"intent":"Confirm information","confidence_score":0.005613035}]},{"text":"Update this one. Pop it there.","start_word":384,"end_word":389,"intents":[{"intent":"Update documents","confidence_score":0.43352655}]},{"text":"So what I wanted to ask you is two questions. The 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price?","start_word":788,"end_word":827,"intents":[{"intent":"Request quote","confidence_score":0.2540282}]},{"text":"I think that if you can find the cheaper price, maybe. Yep.","start_word":828,"end_word":839,"intents":[{"intent":"Determine best price","confidence_score":0.004956743}]},{"text":"And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing No. something No. I'm different? I'm thinking to do a bus driver now. I'm planning to Okay. search a job for that. No bus driver, like, maybe fly in, fly out or local bus driver. I'm just looking for the job looking as a bus driver. Okay.","start_word":927,"end_word":997,"intents":[{"intent":"Discuss future job opportunities","confidence_score":0.000012517112}]},{"text":"able to call in and let us know? Yeah.","start_word":1072,"end_word":1080,"intents":[{"intent":"Request call back","confidence_score":0.117678165}]},{"text":"So page 12 has strategy recommendations. There's a lot of text there about what we're doing. Mhmm.","start_word":1222,"end_word":1238,"intents":[{"intent":"Clarify investment strategy","confidence_score":0.00046222194}]},{"text":"So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better. Mhmm.","start_word":1476,"end_word":1500,"intents":[{"intent":"Discuss fees and performance","confidence_score":0.00069242605}]},{"text":"So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13. We just wanna make sure that almost every year, you're getting above 10% in returns long term. Yes. Okay.","start_word":1810,"end_word":1844,"intents":[{"intent":"Maximize returns","confidence_score":0.033488967}]},{"text":"Hopefully, save a couple of thousand there. And then after Uh-huh. that, we're pretty much gonna try and grow it as much as we can. And then once you hit 60, we can start doing transition to retirement contributions, Yep. which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well. Uh-huh.","start_word":1880,"end_word":1951,"intents":[{"intent":"Reduce costs","confidence_score":0.02091717}]},{"text":"Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent I and maybe pass them I down? I maybe keep the properties for for my kids. You know?","start_word":1987,"end_word":2029,"intents":[{"intent":"Consider retiring options","confidence_score":0.000071032446}]},{"text":"Since so far, again, just to reiterate, wanna change a couple of investments, change the Yep. insurance premium fees in a couple of months' time, and then have a look at the projections after that. But so far, are you okay for me to go ahead and do the changes to the super investments? Yeah. Cool.","start_word":2252,"end_word":2307,"intents":[{"intent":"Update super investments","confidence_score":0.38885343}]}]},"sentiments":{"segments":[{"text":"Hello? Senthil, it's Tommy here from. How are you doing? Yeah.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.09047484397888184},{"text":"Good, mate. How are you?","start_word":11,"end_word":15,"sentiment":"positive","sentiment_score":0.4584101140499115},{"text":"Living the dream.","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.2751239538192749},{"text":"It's a bit of a miserable cold weather out here on the Gold Coast, and my my three year old son broke his leg.","start_word":19,"end_word":42,"sentiment":"negative","sentiment_score":-0.34551358222961426},{"text":"So if you hear anything in the background, I do apologize. That's fine. No worries. No worries, mate. I've got you here. I've got a bit of an updated document to send through to you. How long have I got you for today? You can you can talk maybe. How long do you need to? Maybe fifteen, twenty? Yeah. That's fine. No worries.","start_word":43,"end_word":105,"sentiment":"neutral","sentiment_score":-0.01232366356998682},{"text":"Perfect. Perfect.","start_word":106,"end_word":107,"sentiment":"positive","sentiment_score":0.3662669062614441},{"text":"So I'm just gonna quickly do a security check and send this through to you. Will you be able to jump on to your emails with me? Yes. I'll pop that through now. Now just while that's coming through, Senthil, mate, are you able to confirm your date of birth and address for me, please, for security? Yeah. April 15 1969. 11 Conway Place, Yep. Huntingdale 6710. Amazing.","start_word":108,"end_word":175,"sentiment":"neutral","sentiment_score":0.09713109582662582},{"text":"Thank you so much for that. Appreciate that, mate.","start_word":176,"end_word":184,"sentiment":"positive","sentiment_score":0.5875426530838013},{"text":"Now just while that's coming through on the emails there, I was having a look and talking to Michelle, and she did mention that you're currently between jobs at the moment. Sorry. Say again? Yeah. Yeah. Michelle was just saying that you're between jobs at the moment and still looking around. Yeah. That's right. Yeah. Yep. So what I've done is I've got you an updated plan to bump up some of the investments inside the sofa, but I wanted Mhmm. to talk to you a bit today about the insurances and a few other things, if that's okay. Mhmm. Perfect. Perfect. So just let me know when that comes through. There should be an email from Oakview, and there's a bit of a purple button there to bring open the documents with me. Okay. As so far, I did not receive an email. And I've sent that through to your Yahoo address. Yes. That's fine, but I did not receive so far. Nothing's come through so far? No. K. Let me have a quick look. Please bear with me for two seconds, sir. I'll just do 50 a little refresh. nine.","start_word":185,"end_word":376,"sentiment":"neutral","sentiment_score":-0.02185464230327246},{"text":"Thanks.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.36707234382629395},{"text":"There we go. There we go. Update this one. Pop it there.","start_word":378,"end_word":389,"sentiment":"neutral","sentiment_score":0.14342668652534485},{"text":"Yep. Perfect.","start_word":390,"end_word":391,"sentiment":"positive","sentiment_score":0.4787366986274719},{"text":"So if you get tools and they just opened just the one for me, I've sent a a refresh. So if you accidentally get through, just let me know. But there's a so hit that button. It doesn't sign anything, but just so you can look at the documents with Okay. me first. And you should see a beachfront city picture with the Gold Coast on it. No, ma'am. Cool. Now once you can see that on the statement of advice, if you could just go down to page three for me, it just got a a scope of advice heading in blue. Can you see that Mhmm. there? Three. Yeah. Page three and four has a scope heading. Yeah.","start_word":392,"end_word":511,"sentiment":"neutral","sentiment_score":0.08744490891695023},{"text":"Cool.","start_word":512,"end_word":512,"sentiment":"positive","sentiment_score":0.36308515071868896},{"text":"So everything that we've done for the recommendations, it's about that retirement goal, which was at the latest age 67, at the earliest age 60, if you can afford it. Mhmm. Cool. So what I've done in here is I've fixed up some of the investments inside the NetWell, which weren't performing as well as the other ones, and that's what this document goes over, just updating some of the super investments. Okay. Now what I've had to do with this one is I've updated it because of the occupation change is I've just taken out the contributions because obviously until the contributions are coming in, it's gonna look a lot different. Okay. So on page seven and eight, I've just got the I've updated it to previous occupation and unemployed, but I've got your assets there, which is the home, the investment property, cars, and credit cards. Yeah. Yep. Now can you go down to page nine for me? It should say in a red heading, current risk protection portfolio. Yeah. That's Yep. nine. Yep. So yep. Can you see that little blue table there with MetLife? Yep. Cool. So last time I spoke to you, I gave you a bit of a warning that the insurance premiums were gonna jump up again, And we were leaving it alone for the time being because you had some friends that were paying 2,000.","start_word":513,"end_word":745,"sentiment":"neutral","sentiment_score":0.004803482107338475},{"text":"Your insurance premiums were 4,000. We were gonna look at it pretty soon, but they've just gone up to over 6,000 with the last increase. I wanted to run that by you and let you know that it's gotten quite expensive.","start_word":746,"end_word":786,"sentiment":"negative","sentiment_score":-0.4459269642829895},{"text":"Mhmm. So what I wanted to ask you is two questions. The 650,000 of life insurance and disability insurance, Do you want me to get a quote to trim that down or look for somebody else to offer a cheaper price? I think that if you can find the cheaper price, maybe. Yep. Now I'll go I've basically got someone in the background doing quotes for me for all the insurance, and I'm gonna try and find the best one. But when I find the good one, are you okay to go through, like, the medical questions with my team on another Yeah. call on a different Yeah. day? No. That's fine. Yep. I'm okay. And do you want me to just quote it on the same amount? 652,000, just Yeah. replace it for a cheaper price? Yeah. Yep. Okay. And just with the the occupation job, are you going back to a similar role as a machinist, or are you thinking of changing No. something No. I'm different? I'm thinking to do a bus driver now. I'm planning to Okay. search a job for that. No bus driver, like, maybe fly in, fly out or local bus driver. I'm just looking for the job looking as a bus driver. Okay. So is it okay with you that as soon as you get that, we'll have to wait for that job before we can do the quote? And then Yeah. that way Okay. I can get it trimmed down.","start_word":787,"end_word":1035,"sentiment":"neutral","sentiment_score":-0.012793819420039654},{"text":"Cool.","start_word":1036,"end_word":1036,"sentiment":"positive","sentiment_score":0.3408808708190918},{"text":"Alright. So I will do that. I'm gonna basically get my team to call you in a few months time to see how you went. But if you do land a job, are you Sure. able to call in and let us know? Yeah.","start_word":1037,"end_word":1080,"sentiment":"neutral","sentiment_score":0.21008746325969696},{"text":"Amazing. Amazing. Okay. Cool.","start_word":1081,"end_word":1084,"sentiment":"positive","sentiment_score":0.6060068607330322},{"text":"So if you keep going down in that document, page 10, you'll see risk profile. It's 10. Yep. Risk information. Yep. Correct. So risk profile, we're not changing the risk profile. We were just changing the investment. So we're staying broke, which is at four out of five, and still trying to get as much growth out of it as possible for that retirement goal. Okay. Now when I did the previous projections on the 120,000 income that you had before, you were pretty much on track. But, obviously, when I take the contributions out, the the soup is not gonna grow very much with the premiums coming out the fee and without the contributions going in. Okay. So if you can skip down for me, I'll I'll show you the tables. That'll be the quickest way. So page 12 has strategy recommendations. There's a lot of text there about what we're doing. Mhmm. Page 13 has the pros and cons in an advantage disadvantage table. Yep. So, basically, what I've come up with is I found some investments that are a little bit cheaper. They they save the investment fees and they've got better performance, but there's a little bit of brokerage fees to purchase them, and then they're very cheap going forward. And there's a little bit of capital gains Mhmm. tax inside the super that I've factored in for switching investments. Now if you go down to page 15 for me, it's got a bit of a table there called Yes. investments with a blue blue table. Yeah. So what I'm wanting to do is I'm rebalancing all the investments back to the normal percentages. So that second last column where you can see the round figure is 10%, 0%, 0%, 5%. Can you see that there in the second last Yeah. column? Yeah. Yeah. Yeah. Yep. So the ones that are 0% are the ones that I wanna get rid of and replace with somebody else. And the ones that still have a percentage in there, they're just being rebalanced with that. So just Okay. bringing everything back to the middle. Okay. K?","start_word":1085,"end_word":1441,"sentiment":"neutral","sentiment_score":-0.006693867966532707},{"text":"So the big one for yours, Benelon Concentrated, was performing very bad.","start_word":1442,"end_word":1453,"sentiment":"negative","sentiment_score":-0.4823944568634033},{"text":"So I've replaced that at the second last one, Australia two 100. BetaShares Australia 200. Can you see that there? Yeah. Yep.","start_word":1454,"end_word":1475,"sentiment":"neutral","sentiment_score":-0.03377459943294525},{"text":"So that's the one that's gonna drop the fees by about another 3 to $500 a year, and the performance is much, much better.","start_word":1476,"end_word":1499,"sentiment":"positive","sentiment_score":0.4555525481700897},{"text":"Mhmm. And there's a few other little ones there. Like, we'll we'll leave Japan in there, cyber security, that's fine. But I just put a different defensive option in there, which is a little bit better than the one that you've got currently. Okay. K? So what this looks like is if you go down to seventeen, eighteen, and 19, these are the three pages I really wanted to show you today. Mhmm. K. So in 17, colored pie chart, and in the table below it, the very middle row, you can see growth title in gray. Can you see that there, Santel? Broad delta. Yeah. Yep. So the risk profile for growth, you need around about 80%. You're Yeah. currently sitting at about 73. And once we get it rebalanced, it'll bring it back up to 85, which is right in the middle for Mhmm. your risk profile. Okay. K? Now if you go to the next page, it shows you the fee table. Yeah. And so there's $510 that the super will pay inside the tax to move everything around, but then the fees every year, 336 cheaper every year after that. Okay.","start_word":1500,"end_word":1694,"sentiment":"neutral","sentiment_score":0.06233524531126022},{"text":"And at the bottom, the five year performance, it brings it back up from 5.84% to 11.57% with the fix up.","start_word":1695,"end_word":1715,"sentiment":"positive","sentiment_score":0.333301305770874},{"text":"Mhmm. Okay. K? Now if you go to the next page, it shows the updated projection. Mhmm. Five and ten years. So without the contributions coming in and with those really high insurance premium costs, Mhmm. the supers if we leave it alone as it is, it's gonna start going backwards down to a 115,000 then down to 91,000. With Okay.","start_word":1716,"end_word":1776,"sentiment":"neutral","sentiment_score":-0.07241769134998322},{"text":"the new investments we've picked, it's gonna grow to a hundred and fifty, a hundred and eighty thousand without any Mhmm.","start_word":1777,"end_word":1797,"sentiment":"positive","sentiment_score":0.4128758013248443},{"text":"contributions going in.","start_word":1798,"end_word":1800,"sentiment":"neutral","sentiment_score":0.2764672338962555},{"text":"It's gonna grow more than the fees.","start_word":1801,"end_word":1807,"sentiment":"positive","sentiment_score":0.37156733870506287},{"text":"Okay. K?","start_word":1808,"end_word":1809,"sentiment":"neutral","sentiment_score":0.1978738158941269},{"text":"So underneath that performance, it's just getting everything into the double digits, 12%, sixteen, eleven, 13. We just wanna make sure that almost every year, you're getting above 10% in returns long term.","start_word":1810,"end_word":1842,"sentiment":"positive","sentiment_score":0.49192047119140625},{"text":"Yes. Okay. So what I'm basically thinking, Cecil, is I wanna fix up these investments at the moment. And then as soon as you get that bus driver job, I wanna get the insurance premium down. Mhmm. Hopefully, save a couple of thousand there. And then after Uh-huh.","start_word":1843,"end_word":1890,"sentiment":"neutral","sentiment_score":0.21949294209480288},{"text":"that, we're pretty much gonna try and grow it as much as we can.","start_word":1891,"end_word":1904,"sentiment":"positive","sentiment_score":0.42827996611595154},{"text":"And then once you hit 60, we can start doing transition to retirement contributions, Yep.","start_word":1905,"end_word":1919,"sentiment":"neutral","sentiment_score":0.25677767395973206},{"text":"which is basically you can pull a bit of money out of super, put it back in for a tax deduction, and that'll boost it up a bit quicker as well.","start_word":1920,"end_word":1950,"sentiment":"positive","sentiment_score":0.45537069439888},{"text":"Uh-huh. The other question I have for you, so once the contributions are coming in, fix the investment, get the fees down, the investment property, if you're wanting to leave investment properties to the children, Yes. Are you at all thinking in five or ten years' time to sell them for the retirement or trying to keep them using the rent I and maybe pass them I down? I maybe keep the properties for for my kids. You know? I I don't want to sell the property as of now because maybe we can things will change and then change our mind in future. We don't know that. But as of now, actually, we are I'm not there anything to sell now. Yep. Perfect. So at the moment, I'm just gonna do this now. I'll base everything for the retirement on just the super, especially when you get the new job. And then once you get through maybe age 60, 63, 65, we can talk again about if we do anything with the property or just leave them there for the rental. Sure. If you don't mind, how much Is that the okay? how much the current balance, the money in my super? Yeah. I'll bring that up now for you. Now the balance in this document is just when we did the research, but I'm just gonna bring it up for you. Just give me a moment, please. Won't take me more than about thirty seconds to grab. There we go. So the Netwealth does the two factor text message for the security. Alright. 140,114 today. Okay.","start_word":1951,"end_word":2218,"sentiment":"neutral","sentiment_score":0.03971870821803363},{"text":"Thank you.","start_word":2219,"end_word":2220,"sentiment":"positive","sentiment_score":0.3970757722854614},{"text":"Mhmm. K? Yeah. So that's what I'm basing it off basically is where it's at now. What's it look like in five years, ten years? Okay. No worries.","start_word":2221,"end_word":2248,"sentiment":"neutral","sentiment_score":0.05673716589808464},{"text":"Thank you. Cool.","start_word":2249,"end_word":2251,"sentiment":"positive","sentiment_score":0.3665866553783417},{"text":"Since so far, again, just to reiterate, wanna change a couple of investments, change the Yep. insurance premium fees in a couple of months' time, and then have a look at the projections after that. But so far, are you okay for me to go ahead and do the changes to the super investments? Yeah. Cool. Do you have any questions for me? I think nothing. All good. Yep.","start_word":2252,"end_word":2320,"sentiment":"neutral","sentiment_score":0.10685622692108154},{"text":"Awesome.","start_word":2321,"end_word":2321,"sentiment":"positive","sentiment_score":0.4921068549156189},{"text":"So I'll leave that one with you if you're comfortable with that. And if you sign off on that document, we can go on the Netwealth online and switch the investments once you've authorized it. The only other thing as well is I've included an updated appendix with some extra research. That's the second document after this one. There is a PDF for Netwealth just because they've updated the Netwealth document. And then there's a service agreement there as well. So we can't remain advisers on the Netwealth and change anything unless you're happy with us to look after it. And I've got the updated agreement on there as well. Yes. The 1.65% for the fee, and No. that's for, again, split monthly, paid over the year. Next year, we're bringing in some discounts for everyone that gets above 200,000. There'll be a lower percentage fee next year as well. Okay. No worries. Anyway, K.","start_word":2322,"end_word":2476,"sentiment":"neutral","sentiment_score":0.11429104954004288},{"text":"thank you Are very you okay much.","start_word":2477,"end_word":2483,"sentiment":"positive","sentiment_score":0.33986520767211914},{"text":"for me to leave that one with you, sir?","start_word":2484,"end_word":2492,"sentiment":"neutral","sentiment_score":0.2130073755979538},{"text":"That's fine. Thank you very much. See you then. Awesome. I'll talk to you again soon. Thank you so much. Thanks, mate. Thanks. Bye.","start_word":2493,"end_word":2516,"sentiment":"positive","sentiment_score":0.7222448587417603}],"average":{"sentiment":"neutral","sentiment_score":0.06413614516827093}}}}