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Is now still a good time there for you? Yep. Beautiful. And how's your day been so far? Yep. Well, I try not to take up too much of your time. We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well. Okay? Per perfect. Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you as well, we do we are discussing your personal information. I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Perfect. Thank you so much for that. And you've got today off. That's lovely. Do you have all Mondays off, or is it just a one off for today? Oh, fantastic. I'll make a note of that for you. That way, again, we're not sort of calling you in and out of work hours. We can always try to get you every second Monday to make it easier on you for you as well. Beautiful. Excellent. As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you? No. That's okay. Not a problem at all. And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser? Is there anything particularly you were sort of hoping to get out of having us here? Yeah. Yeah. Oh, good. That's really good to hear. Well, I'll definitely make sure we keep you on track. Moving forward, I know last year was a little bit all over the place with changes and everything. But moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year? What would be preferable for you? Three months? Yeah. Beautiful. I'm going through and updating all of my clients. I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you. Okay? Beautiful. Beautiful. Now I just want to run through. I know you had received a bit of an email from us over the past couple of weeks. There was a record of advice noting some changes to come to your portfolio. Do you remember reading that email at all? Yep. That's okay. Just to give you a bit of a breakdown, essentially, one of your underlying so sorry. One of your underlying investments been along Australian equities has actually been underperforming for the last few months there. So as a business, we decided to remove that out of everyone's portfolio. So that record of advice is letting you know of that change to happen. It hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you. Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200. So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market. And many and managed funds can be a little bit more expensive to hold. With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX. One of the good things about this sort of investment is that it follows an industry as a or an index of the top 200 companies. So when a company no longer meets the requirement or the eligibility to be part of that top 200, they are moved out of the index. So then they're moved out of the a 200 as well. So that means you're always tracking the top 200 companies regardless of what else is happening there, which is great. And the a 200 investment is also cheaper than Benelung, so you're actually saving in investment fees there as well. So it's bit bit of a a benefit for you on all sorts of areas. It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you. But we do wanna make sure this investment is working better for you than Bennelong had in the past. Does that make sense? And do you have any other questions there at all in relation to that? Perfect. Well, we'll keep monitoring and looking that for you. But we are just going back to the investment committee now as well, letting them know that they need to complete that change for you. So I'll make sure that happens, and if there's anything additional we need to come back and talk about with regards to the investments there, we definitely will. Okay? Beautiful. Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age. I'm having a look at your file at the moment. I believe we had it noted down. It was sorry. I actually don't have an age here. I do apologize. But looking at things at the moment, you're 51 this year. Yes. What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you think? Yeah. Perfect. 65? Not a problem at all. I'll look at that for you and pop that in here. And have you thought about what kind of income you might like to be drawing down in those retirement years, or you're not real sure as of yet? No. That's okay. That's not a problem. You're only 51. You've got a bit of time ahead of you still. We can always come back to that down the track. Beautiful. The having a look at the rest of your details here, has there been any changes with regard to your work? Have you had a bit of pay rise or a change in role or employer over the last couple of months at all? Or no? Yep. Beautiful. Our income here I had down was about 60,000. Have you got a pay rise yet? Not sure? Not significant enough to notice? Uh-oh. Well, hopefully, you have something coming. You're definitely worth a lot more money. That's for sure. Yeah. All good. Contributions wise, I can only see your employer contributions going in. There's nothing here to show me that you're making any additional contributions. Are you open to doing that? No. That's okay. So we've got a couple of ways of doing it. We can always look at it as a salary sacrifice contribution where you we basically just tell your employer how much you want to contribute. We provide a letter to you which you give to your employer, and they start making that additional contribution out of your pretax income. There's another way where if you've got a bit of extra cash at the end of the week, you could be making a regular after tax contribution direct from your bank account. You can pay it in or make it as an EDS transfer. And at the end of the financial year, we can claim what's called a notice of intent against that one. That changes the contribution type, and you can also claim that sort of contribution back on your tax as well as a bit more of a deduction. So yeah. How does your extended sort of look at the moment? Because that can sort of have an effect as to whether we make additional contributions. How are you finding everything, the cost of living at the moment? It is. Yeah. Absolutely. Yep. Yep. Yeah. Absolutely. Yeah. Yep. Yep. Yeah. That's absolutely okay. Yeah. Alright. Yeah. Yeah. Not a problem. I'll pop absolutely. I'll pop that one on the back burner there for you when we do catch ups and reviews moving forward. I'll keep bringing it up, and you can let me know when and if you are ready to do so. We can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as well. Okay? Beautiful. Lovely. Excellent. So other assets, just double checking. I've got only two assets noted here. One is your car. What kind of car do you drive? Beautiful. Lovely. Good on fuel? That's good. Is it still good on fuel is the question as well. Yeah. Yeah. Yeah. Yeah. Go to work. Perfect. No. Understandable. Are you? Yeah. No. Lovely. So you're pretty good on fuel most of the time anyway. I just sort of noticed that the fuel price is going up. I'm not sure what they're like around your area, but they're pretty hefty around here on the Gold Coast. So, yeah, we are trying to limit our driving as well, but I've unfortunately got young kids, so it it requires chauffeuring them around still. So it does make it a little bit harder. Yep. No. It's just as expensive, though. How many dogs do you have? Yep. Beautiful. Wow. So beautiful. How how old have you had your 10 for? Did you get it sort of brand new? Yeah. Wow. Oh, he's giving you a run for his money. Yeah. Oh, no. That's that's so beautiful. I love that. It's gorgeous. Other assets now the other thing I had noted here was not so much an asset. It's more of a a liability, but it's your personal loans and credit cards. And we had a total owing of about 60,000. Do you still sort of owe that amount? Oh, perfect. Completely cleared out. Fantastic. Is there any other assets that you'd note down at all? Any other cars, boats, caravans, or collections or anything of value? No. That's okay. Another good one I do like to try and note down is contents. Do you have contents insurance? Okay. No. Perfect. And are you paying him rent at all? Or nope. That's okay. So no completely rent free. Love that. Beautiful. And do they own their own home? Or yeah. Beautiful. Fantastic. Lovely. Thank you for that. Well, if there is any other changes, we'll definitely make sure we keep updated with you and and have those altered. It's not a problem at all. All good. Now the other thing to sort of have a chat about is the estate planning side of things. So I'm having a look at your super fund here, and I can see you've got your beneficiary nominated here as Brett Charles Day. Is that still how you want that beneficiary nominated? Is that correct? Yep. Okay. So that's correct. We'll keep it as it is. One of the good things about your beneficiary nomination you have is that it is binding nonlapsing. That essentially means that so long as the nomination is valid, which it looks like it is, the trustee is bound to follow the direction you've made. And non lapsing means you don't have to recomplete that form every couple of years, which is a benefit to you. The downside is that if anything changes and you wanted to alter or change that beneficiary, we need to make sure we, you know, follow-up and check it with you every year and update. So we will go through each each time we talk and just make sure that's still appropriate. And when and if you decide you wanna have that changed, you just let us know. We'll help you out with that. Okay? So you're beautiful. One thing it does say on here, I've got down here that I've got Brett's details, but I don't have an inkling as to who he is. So you can I have to ask him? So sorry. Is he what relationship is he to you? Beautiful. Stuffed. Lovely. Just so I note that down correctly for you. Thank you so much for that. Lovely. And everything's going really well for you both at the moment? Beautiful. That's really good to hear. Yes. Yes. Yes. Yes. Absolutely. Have you also completed or done up a will since you last were married or since you got divorced? Have you had an updated will and power of attorney and things like that put in place? No. No. That's okay. It's something that's on your mind that you have sort of thought about doing? Oh, fantastic. That's really good. Well, if you are open to, we can do have a solicitor that we can refer you through to. Would you like us to maybe send through an email that gives you a bit of a rundown on them and the costing of how much it costs to do up a will and or power of attorney just to kind of help the conversation along a little bit? There's no obligation to use them in any way. It's just more of a reference point, for you to have that conversation, talk about what you're after and what you want, and and look at the, you know, expected cost of doing so. Yep. Yep. Beautiful. Not a problem at all. I will organize that email for you this afternoon after the call. Fantastic. Excellent. And that'll include sort of power of attorney information because this is really important, you know, having your will done up correctly, having your power of attorney, having someone you you trust that can make those decisions for you. But one of the things I have speak a lot about with my with my, you know, clients is making sure that not only that you've got someone nominated, but you have the conversation with them around what you want them to do, how you want them to react is really important as well. I find a lot of people have a power of attorney in place, and then it becomes news to the attorney. They go, I don't even know what I'm supposed to do. So just having a conversation. It's not an easy conversation. It can be really difficult to have, but it is really important to talk to your attorney. Let them know what you want to happen, how you want them to act in certain instances, or if there's some a a set direction that you want them to follow for you. Okay. Yep. Perfect. But we'll get that email through. If you do find you have any additional questions, you're more than welcome to let us know. Okay. Beautiful. I've got your insurance here in front of me. So at the moment within Netwealth there, I know you've already seen the annual review pack, and you've kind of signed all the documents there. Did you happen to have a bit of a look through the documents as well, look for the reports and balances and things like that? Mhmm. Absolutely. So the next thing I was gonna let you know is the updated balances. So on your annual review pack there, you had about $286,003.69. As of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good. Yeah. Yeah. Yeah. Yes. Yep. Mhmm. You they do have hard hardship provisions, and that is completely plausible with the safety that you do have here. It's not a problem at all. There are conditions for hardship, though. So in order to be claim financial hardship, you do have to be on Centrelink for twenty six weeks because one of the requirements is they request what's called the case the q two thirty letter, and that's only provided by Centrelink. So if you are in hardship, you've just gotta show that you've been on Centrelink for about twenty six weeks and provide that letter. But your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds. There is a bit of a process to go through for claiming. Like, they wanna see bank statements and show that you don't have any additional income coming in anywhere else and that, you know, you are have been on settling and that life is a little bit hard, and the Superfund does that assessment. But if you ever wanna look at claiming that or if you are struggling, please let us know. We are happy to, you know, help you along. And on the other side, if you can't claim hardship through Super, you don't quite meet those requirements, we could also look at doing some cash flow and budgeting advice with you as well as part of our job here, and we could always help you along that that side of things as well. Okay? Yeah. Yep. Yep. For the claim. Oh, that's really good to hear. I'm glad you had a great experience there. I can see the benefit payment here that was made out to you then as well. Yeah. Perfect. Yep. Yeah. Yes. Yeah. And that's really good. I mean, this year, we have with the fact that Benelon's been underperforming, and we have seen a bit of volatility in the market with what's happening there globally at the moment. But, you know, you've mentioned you don't wanna retire to the age of 65, so you've got a bit of time. You've got longer than ten years ahead of you to be able to stay invested and wait out what's happening currently before you're accessing your super there. So it is good. Yeah. Beautiful. I'm also just having a quick look to see the portfolio you're in. I've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there. But how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything? How's that been? Oh, good. I do. Me? I know this guy's a bit controversial, but I'm a NRL supporter, and I support the storm. No. No. Not at all. I bet you were. Oh, wow. That is fantastic. You had a good surgeon. Wow. Really? That's fantastic. And did they have, like, much in the way of follow-up for you? Did you have to go back a few times and mhmm. Yep. Wow. Wow. That is fantastic. Yep. Wow. No. Of course. Yeah. Definitely. Wow. Oh, that's fantastic. That's good. And I'm glad you've had not much pain because one of the things I do here when a lot of people have, like, knee replacements and knee surgery is the ongoing effect, and a lot of people still end up with a lot of pain and discomfort long term. So it's really good that you're not having any of that. You've basically got your quality of life back to normal. Yeah. Yep. Wow. Yep. Yeah. Right. Yep. Yeah. Yep. Yes. Oh, that's really good. Really glad to hear. Well, I definitely hope we can continue to provide that good service to you and make sure we're helping you along with those goals there. Okay. Beautiful. All good. Deborah, the last thing I kinda wanted to touch base on is the insurances. Now the only kind of cover you have at the moment is your life cover there with the MLC. You don't have any TBD income protection or any additional trauma cover. Has anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any of them? No. That's alright. That's okay. So I'll start with the life. The life cover you have currently of some insured there of 336,208. In the event of passing away, your life benefit can be paid out to your beneficiary, but then also your super gets paid out on top of that as well. So you've got a good benefit there. Bit over almost bit over $600,000 there, which could be paid out to your beneficiaries. I can't quite see. I've been trying to look to see who the beneficiary was on your last cover. I can't see if that's been changed. But did you want that to be Brett as well, or did you want that to be somebody else? Right. Yep. Yeah. No. That's beautiful. Yep. Yeah. Beautiful. Beautiful. Well, the amount of benefit based on the current amounts I have here would give him approximately $622,005.77 as your spouse can receive that essentially tax free. Are you comfortable you're happy with that level of cover that he may receive between your super and your life insurances? Are you wanting to reassess those amounts at all? Yep. Yep. Yeah. Beautiful. Beautiful. Now the other types of cover that we have noted here are that you don't currently have are things like total permanent disability. So, essentially, if you are off work or unable to go back to work ever again, do you feel like you would need a level of insurance to maybe fall back on, or do you think, you know, Brett would have enough money coming in to cover all of your joint expenditure? How do you sort of feel? Yep. Yep. That's okay. The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released. It is really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount. But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible. Okay? Yep. Beautiful. Same again with income protection. That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury. You're happy not having income protection. Did you wanna look at that? You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work. Yep. Yep. Beautiful. Absolutely. And that's one of the benefits of the conversation, the review, is that I can give you the information you need. And whilst right now you're going, I'm not really worried about that, you know, things could change on the track, and you might call me and go, hey. I think we need to maybe look at this, and then we can absolutely have more of an in-depth conversation really not at what you might want at that particular time. But that's absolutely okay. Alright? Perfect. The other type of cover that I do have to discuss is called trauma. Trauma, you can't hold inside super like you can the other insurances. It tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke. So very major sorts of conditions there. It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment. So, again, you're happy just to not worry about that right now, or did you want me to sort of talk more about it? No. That's okay. Not a problem at all. The last thing I just wanted to run through is a bit of a risk profile questionnaire. So I have kind of gone through and answered most of those questions for the moment there. But the first one I had here now, looking back, you've never owned any investments outside of super. Have you ever owned any direct shares or anything in your own name? Nope. That's okay. Beautiful. When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel? Are you feeling okay? You're not wanting to as super right now. You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure? How do you think you might react and feel? Yeah. Oh, that's lovely. Thank you. Yes. Yep. Yep. Yeah. Absolutely. Fantastic. I love that answer. When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns? How do you see yourself sitting in there? Yep. Beautiful. Excellent. And when we think about your super, am I right you're looking to try and get the best returns you possibly can out of your super? Yeah. Lovely. Excellent. And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past? Nope. That's okay. Perfect. Lovely. Thank you for that. So I'm just going through tallying those up there for you now. You've scored in that growth environment there, so you are currently in a growth portfolio, which generally sees about 80% of your super in growth investments, so things like Australian shares, international shares, listed property, and some commodities, things like gold and silver as well. The other 20% tends to be in lower risk investments, like cash, bonds, and fixed interest. So those growth investments are where you're looking to get a greater potential return. It does see you taking on a bit more risk to try and get that, but having a mix of those low risk investments like cash, bonds, and fixed interest type thing things helps to mitigate long term market volatility. Do you feel like you're pretty comfortable in that sort of environment for the moment, or did you want me to kind of look at altering that for you? Yeah. Beautiful. Well, the growth of portfolio generally suits someone who has about six years before they're wanting to access their super. So because you're 51 and you've got till 65 there, you do have that time horizon to withstand the ups and downs in the market. This sort of portfolio is generally looking to sort of get generally between sort of about an eight to 10 sorry. Seven to 9% return on a yearly basis there over the longer term, and we can expect the likelihood of a negative return sort of one in every five years with this. That's why we like you to have that sort of 60 time horizon. So, I mean, looking at where you are in your agent's day, you're fine to be in that growth portfolio. It suits your your tolerance and your capacity you have at the moment. But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you. Okay? Beautiful. Do you have any questions generally about anything that we have gone through or anything that you might want me that I haven't touched on for you? No. Yep. Yeah. Yeah. No. That's fantastic. That's really great. Is there any other goals that you might have between now to retirement or over the next couple of years that you might be sort of thinking about trying to achieve? Or win a lottery? No. Absolutely. Yeah. Absolutely. No. Not a problem at all. Fantastic. Well, I've sorry. Popped a little thing in my calendar. So in three months' time, we'll make sure Michelle gives you a call. We'll book you into a little bit of a catch up and see where things are going there. I'll go back and just make sure that this standalone investment continues to be sold down and swapped over for the a 200 there for you. I have just noticed on your file your ID has expired. So if it's okay, we'll send you a little text message after. If you can just provide your updated ID for us, it's just really important we do have that up to date on file, if that's okay. Yeah. And, look, if you ever are speaking to anyone and they're talking about their super or anything, please feel free to give them my information. I'm more than happy to help anyone else with their goals there as well. I love the super insurances and and I've been an adviser, so please feel free to pass them all of the information. We're really happy that you've had a great experience with us, and I'll do everything we can to continue that for you. Okay? That's okay. Before I do go so sorry, Deborah. I just wanna double check. Now part of that packet you did find was the ongoing service agreement. Do you understand how our ongoing fees were? Did you have any questions in relation to that? Or no. All good? Beautiful. Well, thank you so much for your time today. I'll let you go. I appreciate you taking your time out of your day to have a chat to me. We'll touch base in about three months unless there's anything that you need in the meantime. Okay? My pleasure, Deborah. Thank you for your time. Have a good afternoon. See you later. 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Deborah. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your annual review now. Is now still a good time there for you? Yep. Beautiful.\n\nAnd how's your day been so far? Yep. Well, I try not to take up too much of your time. We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well. Okay?\n\nPer perfect. Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you as well, we do we are discussing your personal information.\n\nI'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Perfect. Thank you so much for that. And you've got today off.\n\nThat's lovely. Do you have all Mondays off, or is it just a one off for today? Oh, fantastic. I'll make a note of that for you. That way, again, we're not sort of calling you in and out of work hours.\n\nWe can always try to get you every second Monday to make it easier on you for you as well. Beautiful. Excellent. As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you? No.\n\nThat's okay. Not a problem at all. And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser? Is there anything particularly you were sort of hoping to get out of having us here? Yeah.\n\nYeah. Oh, good. That's really good to hear. Well, I'll definitely make sure we keep you on track. Moving forward, I know last year was a little bit all over the place with changes and everything.\n\nBut moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year? What would be preferable for you? Three months? Yeah. Beautiful.\n\nI'm going through and updating all of my clients. I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you. Okay? Beautiful. Beautiful.\n\nNow I just want to run through. I know you had received a bit of an email from us over the past couple of weeks. There was a record of advice noting some changes to come to your portfolio. Do you remember reading that email at all? Yep.\n\nThat's okay. Just to give you a bit of a breakdown, essentially, one of your underlying so sorry. One of your underlying investments been along Australian equities has actually been underperforming for the last few months there. So as a business, we decided to remove that out of everyone's portfolio. So that record of advice is letting you know of that change to happen.\n\nIt hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you. Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200. So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market. And many and managed funds can be a little bit more expensive to hold. With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX.\n\nOne of the good things about this sort of investment is that it follows an industry as a or an index of the top 200 companies. So when a company no longer meets the requirement or the eligibility to be part of that top 200, they are moved out of the index. So then they're moved out of the a 200 as well. So that means you're always tracking the top 200 companies regardless of what else is happening there, which is great. And the a 200 investment is also cheaper than Benelung, so you're actually saving in investment fees there as well.\n\nSo it's bit bit of a a benefit for you on all sorts of areas. It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you. But we do wanna make sure this investment is working better for you than Bennelong had in the past. Does that make sense? And do you have any other questions there at all in relation to that?\n\nPerfect. Well, we'll keep monitoring and looking that for you. But we are just going back to the investment committee now as well, letting them know that they need to complete that change for you. So I'll make sure that happens, and if there's anything additional we need to come back and talk about with regards to the investments there, we definitely will. Okay?\n\nBeautiful. Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age. I'm having a look at your file at the moment. I believe we had it noted down. It was sorry.\n\nI actually don't have an age here. I do apologize. But looking at things at the moment, you're 51 this year. Yes. What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you think?\n\nYeah. Perfect. 65? Not a problem at all. I'll look at that for you and pop that in here.\n\nAnd have you thought about what kind of income you might like to be drawing down in those retirement years, or you're not real sure as of yet? No. That's okay. That's not a problem. You're only 51.\n\nYou've got a bit of time ahead of you still. We can always come back to that down the track. Beautiful. The having a look at the rest of your details here, has there been any changes with regard to your work? Have you had a bit of pay rise or a change in role or employer over the last couple of months at all?\n\nOr no? Yep. Beautiful. Our income here I had down was about 60,000. Have you got a pay rise yet?\n\nNot sure? Not significant enough to notice? Uh-oh. Well, hopefully, you have something coming. You're definitely worth a lot more money.\n\nThat's for sure. Yeah. All good. Contributions wise, I can only see your employer contributions going in. There's nothing here to show me that you're making any additional contributions.\n\nAre you open to doing that? No. That's okay. So we've got a couple of ways of doing it. We can always look at it as a salary sacrifice contribution where you we basically just tell your employer how much you want to contribute.\n\nWe provide a letter to you which you give to your employer, and they start making that additional contribution out of your pretax income. There's another way where if you've got a bit of extra cash at the end of the week, you could be making a regular after tax contribution direct from your bank account. You can pay it in or make it as an EDS transfer. And at the end of the financial year, we can claim what's called a notice of intent against that one. That changes the contribution type, and you can also claim that sort of contribution back on your tax as well as a bit more of a deduction.\n\nSo yeah. How does your extended sort of look at the moment? Because that can sort of have an effect as to whether we make additional contributions. How are you finding everything, the cost of living at the moment? It is.\n\nYeah. Absolutely. Yep. Yep. Yeah.\n\nAbsolutely. Yeah. Yep. Yep. Yeah.\n\nThat's absolutely okay. Yeah. Alright. Yeah. Yeah.\n\nNot a problem. I'll pop absolutely. I'll pop that one on the back burner there for you when we do catch ups and reviews moving forward. I'll keep bringing it up, and you can let me know when and if you are ready to do so. We can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as well.\n\nOkay? Beautiful. Lovely. Excellent. So other assets, just double checking.\n\nI've got only two assets noted here. One is your car. What kind of car do you drive? Beautiful. Lovely.\n\nGood on fuel? That's good. Is it still good on fuel is the question as well. Yeah. Yeah.\n\nYeah. Yeah. Go to work. Perfect. No.\n\nUnderstandable. Are you? Yeah. No. Lovely.\n\nSo you're pretty good on fuel most of the time anyway. I just sort of noticed that the fuel price is going up. I'm not sure what they're like around your area, but they're pretty hefty around here on the Gold Coast. So, yeah, we are trying to limit our driving as well, but I've unfortunately got young kids, so it it requires chauffeuring them around still. So it does make it a little bit harder.\n\nYep. No. It's just as expensive, though. How many dogs do you have? Yep.\n\nBeautiful. Wow. So beautiful. How how old have you had your 10 for? Did you get it sort of brand new?\n\nYeah. Wow. Oh, he's giving you a run for his money. Yeah. Oh, no.\n\nThat's that's so beautiful. I love that. It's gorgeous. Other assets now the other thing I had noted here was not so much an asset. It's more of a a liability, but it's your personal loans and credit cards.\n\nAnd we had a total owing of about 60,000. Do you still sort of owe that amount? Oh, perfect. Completely cleared out. Fantastic.\n\nIs there any other assets that you'd note down at all? Any other cars, boats, caravans, or collections or anything of value? No. That's okay. Another good one I do like to try and note down is contents.\n\nDo you have contents insurance? Okay. No. Perfect. And are you paying him rent at all?\n\nOr nope. That's okay. So no completely rent free. Love that. Beautiful.\n\nAnd do they own their own home? Or yeah. Beautiful. Fantastic. Lovely.\n\nThank you for that. Well, if there is any other changes, we'll definitely make sure we keep updated with you and and have those altered. It's not a problem at all. All good. Now the other thing to sort of have a chat about is the estate planning side of things.\n\nSo I'm having a look at your super fund here, and I can see you've got your beneficiary nominated here as Brett Charles Day. Is that still how you want that beneficiary nominated? Is that correct? Yep. Okay.\n\nSo that's correct. We'll keep it as it is. One of the good things about your beneficiary nomination you have is that it is binding nonlapsing. That essentially means that so long as the nomination is valid, which it looks like it is, the trustee is bound to follow the direction you've made. And non lapsing means you don't have to recomplete that form every couple of years, which is a benefit to you.\n\nThe downside is that if anything changes and you wanted to alter or change that beneficiary, we need to make sure we, you know, follow-up and check it with you every year and update. So we will go through each each time we talk and just make sure that's still appropriate. And when and if you decide you wanna have that changed, you just let us know. We'll help you out with that. Okay?\n\nSo you're beautiful. One thing it does say on here, I've got down here that I've got Brett's details, but I don't have an inkling as to who he is. So you can I have to ask him? So sorry. Is he what relationship is he to you?\n\nBeautiful. Stuffed. Lovely. Just so I note that down correctly for you. Thank you so much for that.\n\nLovely. And everything's going really well for you both at the moment? Beautiful. That's really good to hear. Yes.\n\nYes. Yes. Yes. Absolutely. Have you also completed or done up a will since you last were married or since you got divorced?\n\nHave you had an updated will and power of attorney and things like that put in place? No. No. That's okay. It's something that's on your mind that you have sort of thought about doing?\n\nOh, fantastic. That's really good. Well, if you are open to, we can do have a solicitor that we can refer you through to. Would you like us to maybe send through an email that gives you a bit of a rundown on them and the costing of how much it costs to do up a will and or power of attorney just to kind of help the conversation along a little bit? There's no obligation to use them in any way.\n\nIt's just more of a reference point, for you to have that conversation, talk about what you're after and what you want, and and look at the, you know, expected cost of doing so. Yep. Yep. Beautiful. Not a problem at all.\n\nI will organize that email for you this afternoon after the call. Fantastic. Excellent. And that'll include sort of power of attorney information because this is really important, you know, having your will done up correctly, having your power of attorney, having someone you you trust that can make those decisions for you. But one of the things I have speak a lot about with my with my, you know, clients is making sure that not only that you've got someone nominated, but you have the conversation with them around what you want them to do, how you want them to react is really important as well.\n\nI find a lot of people have a power of attorney in place, and then it becomes news to the attorney. They go, I don't even know what I'm supposed to do. So just having a conversation. It's not an easy conversation. It can be really difficult to have, but it is really important to talk to your attorney.\n\nLet them know what you want to happen, how you want them to act in certain instances, or if there's some a a set direction that you want them to follow for you. Okay. Yep. Perfect. But we'll get that email through.\n\nIf you do find you have any additional questions, you're more than welcome to let us know. Okay. Beautiful. I've got your insurance here in front of me. So at the moment within Netwealth there, I know you've already seen the annual review pack, and you've kind of signed all the documents there.\n\nDid you happen to have a bit of a look through the documents as well, look for the reports and balances and things like that? Mhmm. Absolutely. So the next thing I was gonna let you know is the updated balances. So on your annual review pack there, you had about $286,003.69.\n\nAs of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good. Yeah. Yeah. Yeah. Yes.\n\nYep. Mhmm. You they do have hard hardship provisions, and that is completely plausible with the safety that you do have here. It's not a problem at all. There are conditions for hardship, though.\n\nSo in order to be claim financial hardship, you do have to be on Centrelink for twenty six weeks because one of the requirements is they request what's called the case the q two thirty letter, and that's only provided by Centrelink. So if you are in hardship, you've just gotta show that you've been on Centrelink for about twenty six weeks and provide that letter. But your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds. There is a bit of a process to go through for claiming. Like, they wanna see bank statements and show that you don't have any additional income coming in anywhere else and that, you know, you are have been on settling and that life is a little bit hard, and the Superfund does that assessment.\n\nBut if you ever wanna look at claiming that or if you are struggling, please let us know. We are happy to, you know, help you along. And on the other side, if you can't claim hardship through Super, you don't quite meet those requirements, we could also look at doing some cash flow and budgeting advice with you as well as part of our job here, and we could always help you along that that side of things as well. Okay? Yeah.\n\nYep. Yep. For the claim. Oh, that's really good to hear. I'm glad you had a great experience there.\n\nI can see the benefit payment here that was made out to you then as well. Yeah. Perfect. Yep. Yeah.\n\nYes. Yeah. And that's really good. I mean, this year, we have with the fact that Benelon's been underperforming, and we have seen a bit of volatility in the market with what's happening there globally at the moment. But, you know, you've mentioned you don't wanna retire to the age of 65, so you've got a bit of time.\n\nYou've got longer than ten years ahead of you to be able to stay invested and wait out what's happening currently before you're accessing your super there. So it is good. Yeah. Beautiful. I'm also just having a quick look to see the portfolio you're in.\n\nI've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there. But how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything? How's that been?\n\nOh, good. I do. Me? I know this guy's a bit controversial, but I'm a NRL supporter, and I support the storm. No.\n\nNo. Not at all. I bet you were. Oh, wow. That is fantastic.\n\nYou had a good surgeon. Wow. Really? That's fantastic. And did they have, like, much in the way of follow-up for you?\n\nDid you have to go back a few times and mhmm. Yep. Wow. Wow. That is fantastic.\n\nYep. Wow. No. Of course. Yeah.\n\nDefinitely. Wow. Oh, that's fantastic. That's good. And I'm glad you've had not much pain because one of the things I do here when a lot of people have, like, knee replacements and knee surgery is the ongoing effect, and a lot of people still end up with a lot of pain and discomfort long term.\n\nSo it's really good that you're not having any of that. You've basically got your quality of life back to normal. Yeah. Yep. Wow.\n\nYep. Yeah. Right. Yep. Yeah.\n\nYep. Yes. Oh, that's really good. Really glad to hear. Well, I definitely hope we can continue to provide that good service to you and make sure we're helping you along with those goals there.\n\nOkay. Beautiful. All good. Deborah, the last thing I kinda wanted to touch base on is the insurances. Now the only kind of cover you have at the moment is your life cover there with the MLC.\n\nYou don't have any TBD income protection or any additional trauma cover. Has anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any of them? No. That's alright. That's okay.\n\nSo I'll start with the life. The life cover you have currently of some insured there of 336,208. In the event of passing away, your life benefit can be paid out to your beneficiary, but then also your super gets paid out on top of that as well. So you've got a good benefit there. Bit over almost bit over $600,000 there, which could be paid out to your beneficiaries.\n\nI can't quite see. I've been trying to look to see who the beneficiary was on your last cover. I can't see if that's been changed. But did you want that to be Brett as well, or did you want that to be somebody else? Right.\n\nYep. Yeah. No. That's beautiful. Yep.\n\nYeah. Beautiful. Beautiful. Well, the amount of benefit based on the current amounts I have here would give him approximately $622,005.77 as your spouse can receive that essentially tax free. Are you comfortable you're happy with that level of cover that he may receive between your super and your life insurances?\n\nAre you wanting to reassess those amounts at all? Yep. Yep. Yeah. Beautiful.\n\nBeautiful. Now the other types of cover that we have noted here are that you don't currently have are things like total permanent disability. So, essentially, if you are off work or unable to go back to work ever again, do you feel like you would need a level of insurance to maybe fall back on, or do you think, you know, Brett would have enough money coming in to cover all of your joint expenditure? How do you sort of feel? Yep.\n\nYep. That's okay. The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released. It is really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount. But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible.\n\nOkay? Yep. Beautiful. Same again with income protection. That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury.\n\nYou're happy not having income protection. Did you wanna look at that? You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work. Yep. Yep.\n\nBeautiful. Absolutely. And that's one of the benefits of the conversation, the review, is that I can give you the information you need. And whilst right now you're going, I'm not really worried about that, you know, things could change on the track, and you might call me and go, hey. I think we need to maybe look at this, and then we can absolutely have more of an in-depth conversation really not at what you might want at that particular time.\n\nBut that's absolutely okay. Alright? Perfect. The other type of cover that I do have to discuss is called trauma. Trauma, you can't hold inside super like you can the other insurances.\n\nIt tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke. So very major sorts of conditions there. It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment. So, again, you're happy just to not worry about that right now, or did you want me to sort of talk more about it? No.\n\nThat's okay. Not a problem at all. The last thing I just wanted to run through is a bit of a risk profile questionnaire. So I have kind of gone through and answered most of those questions for the moment there. But the first one I had here now, looking back, you've never owned any investments outside of super.\n\nHave you ever owned any direct shares or anything in your own name? Nope. That's okay. Beautiful. When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel?\n\nAre you feeling okay? You're not wanting to as super right now. You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure? How do you think you might react and feel? Yeah.\n\nOh, that's lovely. Thank you. Yes. Yep. Yep.\n\nYeah. Absolutely. Fantastic. I love that answer. When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns?\n\nHow do you see yourself sitting in there? Yep. Beautiful. Excellent. And when we think about your super, am I right you're looking to try and get the best returns you possibly can out of your super?\n\nYeah. Lovely. Excellent. And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past? Nope.\n\nThat's okay. Perfect. Lovely. Thank you for that. So I'm just going through tallying those up there for you now.\n\nYou've scored in that growth environment there, so you are currently in a growth portfolio, which generally sees about 80% of your super in growth investments, so things like Australian shares, international shares, listed property, and some commodities, things like gold and silver as well. The other 20% tends to be in lower risk investments, like cash, bonds, and fixed interest. So those growth investments are where you're looking to get a greater potential return. It does see you taking on a bit more risk to try and get that, but having a mix of those low risk investments like cash, bonds, and fixed interest type thing things helps to mitigate long term market volatility. Do you feel like you're pretty comfortable in that sort of environment for the moment, or did you want me to kind of look at altering that for you?\n\nYeah. Beautiful. Well, the growth of portfolio generally suits someone who has about six years before they're wanting to access their super. So because you're 51 and you've got till 65 there, you do have that time horizon to withstand the ups and downs in the market. This sort of portfolio is generally looking to sort of get generally between sort of about an eight to 10 sorry.\n\nSeven to 9% return on a yearly basis there over the longer term, and we can expect the likelihood of a negative return sort of one in every five years with this. That's why we like you to have that sort of 60 time horizon. So, I mean, looking at where you are in your agent's day, you're fine to be in that growth portfolio. It suits your your tolerance and your capacity you have at the moment. But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you.\n\nOkay? Beautiful. Do you have any questions generally about anything that we have gone through or anything that you might want me that I haven't touched on for you? No. Yep.\n\nYeah. Yeah. No. That's fantastic. That's really great.\n\nIs there any other goals that you might have between now to retirement or over the next couple of years that you might be sort of thinking about trying to achieve? Or win a lottery? No. Absolutely. Yeah.\n\nAbsolutely. No. Not a problem at all. Fantastic. Well, I've sorry.\n\nPopped a little thing in my calendar. So in three months' time, we'll make sure Michelle gives you a call. We'll book you into a little bit of a catch up and see where things are going there. I'll go back and just make sure that this standalone investment continues to be sold down and swapped over for the a 200 there for you. I have just noticed on your file your ID has expired.\n\nSo if it's okay, we'll send you a little text message after. If you can just provide your updated ID for us, it's just really important we do have that up to date on file, if that's okay. Yeah. And, look, if you ever are speaking to anyone and they're talking about their super or anything, please feel free to give them my information. I'm more than happy to help anyone else with their goals there as well.\n\nI love the super insurances and and I've been an adviser, so please feel free to pass them all of the information. We're really happy that you've had a great experience with us, and I'll do everything we can to continue that for you. Okay? That's okay. Before I do go so sorry, Deborah.\n\nI just wanna double check. Now part of that packet you did find was the ongoing service agreement. Do you understand how our ongoing fees were? Did you have any questions in relation to that? Or no.\n\nAll good? Beautiful. Well, thank you so much for your time today. I'll let you go. I appreciate you taking your time out of your day to have a chat to me.\n\nWe'll touch base in about three months unless there's anything that you need in the meantime. Okay? My pleasure, Deborah. Thank you for your time. Have a good afternoon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Deborah.","start":3.76,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1149875745177269},{"text":"It's Dana from Oakey Financial.","start":4.3199997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1530853569507599},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.2057541698217392},{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.644723137219747},{"text":"Thank you.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.7072050869464874}],"sentiment":"neutral","sentiment_score":0.31604425696765676,"num_words":17,"start":3.76,"end":10.4},{"sentences":[{"text":"Thanks for asking.","start":10.4,"end":11.28,"sentiment":"positive","sentiment_score":0.6732718149820963},{"text":"I had you booked in to go through your annual review now.","start":11.28,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2727430649101734},{"text":"Is now still a good time there for you?","start":13.5199995,"end":15.54,"sentiment":"neutral","sentiment_score":0.2559129065937466},{"text":"Yep.","start":15.735,"end":16.235,"sentiment":"neutral","sentiment_score":0.09905306994915009},{"text":"Beautiful.","start":17.654999,"end":18.154999,"sentiment":"positive","sentiment_score":0.6249600648880005}],"sentiment":"neutral","sentiment_score":0.31999851992497075,"num_words":26,"start":10.4,"end":18.154999},{"sentences":[{"text":"And how's your day been so far?","start":18.295,"end":20.154999,"sentiment":"neutral","sentiment_score":0.2636664169175284},{"text":"Yep.","start":22.455,"end":22.955,"sentiment":"neutral","sentiment_score":0.08861391246318817},{"text":"Well, I try not to take up too much of your time.","start":23.654999,"end":25.414999,"sentiment":"neutral","sentiment_score":-0.007992225388685862},{"text":"We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well.","start":25.414999,"end":35.65,"sentiment":"neutral","sentiment_score":0.1196388653567377},{"text":"Okay?","start":35.65,"end":36.15,"sentiment":"neutral","sentiment_score":0.07149970531463623}],"sentiment":"neutral","sentiment_score":0.11149637426274854,"num_words":74,"start":18.295,"end":36.15},{"sentences":[{"text":"Per perfect.","start":37.57,"end":38.69,"sentiment":"positive","sentiment_score":0.4059672951698303},{"text":"Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":38.69,"end":43.17,"sentiment":"neutral","sentiment_score":0.11958477840475414},{"text":"Are you happy for me to proceed with that?","start":43.17,"end":45.11,"sentiment":"neutral","sentiment_score":0.14015894797113207},{"text":"Fantastic.","start":47.144997,"end":47.644997,"sentiment":"positive","sentiment_score":0.5457094311714172},{"text":"And just to do security there with you as well, we do we are discussing your personal information.","start":47.864998,"end":51.864998,"sentiment":"neutral","sentiment_score":0.1888788135515319}],"sentiment":"neutral","sentiment_score":0.16545930378279597,"num_words":53,"start":37.57,"end":51.864998},{"sentences":[{"text":"I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":51.864998,"end":55.805,"sentiment":"neutral","sentiment_score":0.12882020951885925},{"text":"Yeah.","start":58.760002,"end":59.260002,"sentiment":"neutral","sentiment_score":0.01800851710140705},{"text":"Perfect.","start":65.08,"end":65.48,"sentiment":"positive","sentiment_score":0.4475997686386109},{"text":"Thank you so much for that.","start":65.48,"end":67.240005,"sentiment":"positive","sentiment_score":0.6045337716738383},{"text":"And you've got today off.","start":67.240005,"end":68.36,"sentiment":"positive","sentiment_score":0.33359888195991516}],"sentiment":"neutral","sentiment_score":0.25651216582627967,"num_words":32,"start":51.864998,"end":68.36},{"sentences":[{"text":"That's lovely.","start":68.36,"end":68.92,"sentiment":"positive","sentiment_score":0.49807748198509216},{"text":"Do you have all Mondays off, or is it just a one off for today?","start":68.92,"end":71.82,"sentiment":"neutral","sentiment_score":0.06452862769365311},{"text":"Oh, fantastic.","start":74.205,"end":75.104996,"sentiment":"neutral","sentiment_score":0.27117832005023956},{"text":"I'll make a note of that for you.","start":75.165,"end":76.445,"sentiment":"neutral","sentiment_score":0.27003814093768597},{"text":"That way, again, we're not sort of calling you in and out of work hours.","start":76.445,"end":79.165,"sentiment":"neutral","sentiment_score":0.1262717664241791}],"sentiment":"neutral","sentiment_score":0.15621006293665796,"num_words":42,"start":68.36,"end":79.165},{"sentences":[{"text":"We can always try to get you every second Monday to make it easier on you for you as well.","start":79.165,"end":83.185,"sentiment":"neutral","sentiment_score":0.21495606228709221},{"text":"Beautiful.","start":83.244995,"end":83.744995,"sentiment":"positive","sentiment_score":0.5191472768783569},{"text":"Excellent.","start":84.7,"end":85.2,"sentiment":"positive","sentiment_score":0.4967750906944275},{"text":"As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you?","start":85.899994,"end":93.6,"sentiment":"neutral","sentiment_score":0.15797467705081492},{"text":"No.","start":96.14,"end":96.64,"sentiment":"neutral","sentiment_score":-0.05491627752780914}],"sentiment":"neutral","sentiment_score":0.18651344483358817,"num_words":57,"start":79.165,"end":96.64},{"sentences":[{"text":"That's okay.","start":96.955,"end":97.674995,"sentiment":"neutral","sentiment_score":0.03381469380110502},{"text":"Not a problem at all.","start":97.674995,"end":98.875,"sentiment":"neutral","sentiment_score":0.11881491988897323},{"text":"And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser?","start":98.875,"end":107.515,"sentiment":"neutral","sentiment_score":-0.007993838211728468},{"text":"Is there anything particularly you were sort of hoping to get out of having us here?","start":107.515,"end":111.055,"sentiment":"neutral","sentiment_score":-0.08695121901109815},{"text":"Yeah.","start":121.68,"end":122.18,"sentiment":"neutral","sentiment_score":-0.1765577495098114}],"sentiment":"neutral","sentiment_score":-0.01834486936475488,"num_words":69,"start":96.955,"end":122.18},{"sentences":[{"text":"Yeah.","start":123.12,"end":123.62,"sentiment":"neutral","sentiment_score":-0.16474156081676483},{"text":"Oh, good.","start":130.225,"end":131.125,"sentiment":"positive","sentiment_score":0.4591199904680252},{"text":"That's really good to hear.","start":131.185,"end":132.385,"sentiment":"positive","sentiment_score":0.6896021246910096},{"text":"Well, I'll definitely make sure we keep you on track.","start":132.385,"end":134.725,"sentiment":"positive","sentiment_score":0.5540198296308517},{"text":"Moving forward, I know last year was a little bit all over the place with changes and everything.","start":135.425,"end":139.54001,"sentiment":"neutral","sentiment_score":0.01915321271452639}],"sentiment":"neutral","sentiment_score":0.2801795880206757,"num_words":36,"start":123.12,"end":139.54001},{"sentences":[{"text":"But moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year?","start":139.54001,"end":148.34,"sentiment":"neutral","sentiment_score":0.10650487062640679},{"text":"What would be preferable for you?","start":148.34,"end":150.52,"sentiment":"neutral","sentiment_score":0.015259948403884968},{"text":"Three months?","start":152.595,"end":153.235,"sentiment":"neutral","sentiment_score":0.005660167895257474},{"text":"Yeah.","start":153.235,"end":153.63501,"sentiment":"neutral","sentiment_score":0.13439366221427915},{"text":"Beautiful.","start":153.63501,"end":154.13501,"sentiment":"positive","sentiment_score":0.5300517082214355}],"sentiment":"neutral","sentiment_score":0.1004288847159062,"num_words":49,"start":139.54001,"end":154.13501},{"sentences":[{"text":"I'm going through and updating all of my clients.","start":154.355,"end":156.355,"sentiment":"positive","sentiment_score":0.388663563463423},{"text":"I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you.","start":156.355,"end":167.75,"sentiment":"neutral","sentiment_score":0.25358308653036754},{"text":"Okay?","start":167.75,"end":168.25,"sentiment":"neutral","sentiment_score":0.15072065591812134},{"text":"Beautiful.","start":170.31,"end":170.81,"sentiment":"positive","sentiment_score":0.6047020554542542},{"text":"Beautiful.","start":170.95,"end":171.45,"sentiment":"positive","sentiment_score":0.5318648219108582}],"sentiment":"neutral","sentiment_score":0.28414909646176456,"num_words":57,"start":154.355,"end":171.45},{"sentences":[{"text":"Now I just want to run through.","start":172.15001,"end":173.51001,"sentiment":"neutral","sentiment_score":0.05207717392061438},{"text":"I know you had received a bit of an email from us over the past couple of weeks.","start":173.51001,"end":177.19,"sentiment":"neutral","sentiment_score":0.00043161027133464813},{"text":"There was a record of advice noting some changes to come to your portfolio.","start":177.19,"end":180.975,"sentiment":"neutral","sentiment_score":-0.02036277750240905},{"text":"Do you remember reading that email at all?","start":181.195,"end":183.375,"sentiment":"neutral","sentiment_score":-0.02337533049285412},{"text":"Yep.","start":187.675,"end":188.175,"sentiment":"neutral","sentiment_score":0.022587521001696587}],"sentiment":"neutral","sentiment_score":-0.0016080167843028903,"num_words":48,"start":172.15001,"end":188.175},{"sentences":[{"text":"That's okay.","start":188.71501,"end":189.695,"sentiment":"neutral","sentiment_score":0.05528918094933033},{"text":"Just to give you a bit of a breakdown, essentially, one of your underlying so sorry.","start":189.835,"end":194.31,"sentiment":"neutral","sentiment_score":-0.08965981309302151},{"text":"One of your underlying investments been along Australian equities has actually been underperforming for the last few months there.","start":194.39,"end":199.67,"sentiment":"neutral","sentiment_score":-0.28518310110819967},{"text":"So as a business, we decided to remove that out of everyone's portfolio.","start":199.67,"end":203.53,"sentiment":"neutral","sentiment_score":-0.23462790136153883},{"text":"So that record of advice is letting you know of that change to happen.","start":203.67,"end":206.89,"sentiment":"neutral","sentiment_score":-0.030510381928512027}],"sentiment":"neutral","sentiment_score":-0.15968383802101016,"num_words":64,"start":188.71501,"end":206.89},{"sentences":[{"text":"It hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you.","start":207.255,"end":215.515,"sentiment":"neutral","sentiment_score":-0.014605759072207635},{"text":"Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200.","start":216.295,"end":223.68999,"sentiment":"neutral","sentiment_score":-0.028030087959698656},{"text":"So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market.","start":223.68999,"end":234.26999,"sentiment":"neutral","sentiment_score":0.017579138175480895},{"text":"And many and managed funds can be a little bit more expensive to hold.","start":234.535,"end":237.675,"sentiment":"neutral","sentiment_score":-0.1523351227598531},{"text":"With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX.","start":237.815,"end":246.875,"sentiment":"neutral","sentiment_score":0.0200723591260612}],"sentiment":"neutral","sentiment_score":-0.01479031907436543,"num_words":133,"start":207.255,"end":246.875},{"sentences":[{"text":"One of the good things about this sort of investment is that it follows an industry as a or an index of the top 200 companies.","start":247.32,"end":254.06,"sentiment":"neutral","sentiment_score":0.2659474893544729},{"text":"So when a company no longer meets the requirement or the eligibility to be part of that top 200, they are moved out of the index.","start":254.12,"end":261.315,"sentiment":"neutral","sentiment_score":0.03208871128467413},{"text":"So then they're moved out of the a 200 as well.","start":261.555,"end":263.95502,"sentiment":"neutral","sentiment_score":0.0828585692427375},{"text":"So that means you're always tracking the top 200 companies regardless of what else is happening there, which is great.","start":263.95502,"end":269.495,"sentiment":"positive","sentiment_score":0.47030763477087023},{"text":"And the a 200 investment is also cheaper than Benelung, so you're actually saving in investment fees there as well.","start":269.875,"end":276.035,"sentiment":"positive","sentiment_score":0.504780949652195}],"sentiment":"neutral","sentiment_score":0.27341900161892463,"num_words":103,"start":247.32,"end":276.035},{"sentences":[{"text":"So it's bit bit of a a benefit for you on all sorts of areas.","start":276.035,"end":279.87,"sentiment":"positive","sentiment_score":0.5013959586620331},{"text":"It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you.","start":280.17,"end":286.51,"sentiment":"positive","sentiment_score":0.37532949218383205},{"text":"But we do wanna make sure this investment is working better for you than Bennelong had in the past.","start":286.65,"end":291.005,"sentiment":"neutral","sentiment_score":0.2899677282885501},{"text":"Does that make sense?","start":291.005,"end":291.885,"sentiment":"neutral","sentiment_score":0.17253443226218224},{"text":"And do you have any other questions there at all in relation to that?","start":291.885,"end":295.105,"sentiment":"neutral","sentiment_score":0.03742496655987842}],"sentiment":"neutral","sentiment_score":0.30773051634717447,"num_words":78,"start":276.035,"end":295.105},{"sentences":[{"text":"Perfect.","start":298.285,"end":298.76498,"sentiment":"positive","sentiment_score":0.4529012441635132},{"text":"Well, we'll keep monitoring and looking that for you.","start":298.76498,"end":301.025,"sentiment":"neutral","sentiment_score":0.24916152159372965},{"text":"But we are just going back to the investment committee now as well, letting them know that they need to complete that change for you.","start":301.485,"end":306.83002,"sentiment":"neutral","sentiment_score":0.22197839498519897},{"text":"So I'll make sure that happens, and if there's anything additional we need to come back and talk about with regards to the investments there, we definitely will.","start":306.83002,"end":313.07,"sentiment":"neutral","sentiment_score":0.1882086577160018},{"text":"Okay?","start":313.07,"end":313.57,"sentiment":"neutral","sentiment_score":0.11539828777313232}],"sentiment":"neutral","sentiment_score":0.21296961745247245,"num_words":64,"start":298.285,"end":313.57},{"sentences":[{"text":"Beautiful.","start":315.88498,"end":316.38498,"sentiment":"positive","sentiment_score":0.6985068917274475},{"text":"Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age.","start":317.085,"end":321.88498,"sentiment":"neutral","sentiment_score":0.05950930943204598},{"text":"I'm having a look at your file at the moment.","start":321.88498,"end":324.065,"sentiment":"neutral","sentiment_score":0.029246418736875057},{"text":"I believe we had it noted down.","start":324.76498,"end":326.78497,"sentiment":"neutral","sentiment_score":0.00644867481397731},{"text":"It was sorry.","start":327.485,"end":328.49,"sentiment":"neutral","sentiment_score":-0.08223836744825046}],"sentiment":"neutral","sentiment_score":0.04880468623149534,"num_words":43,"start":315.88498,"end":328.49},{"sentences":[{"text":"I actually don't have an age here.","start":328.49,"end":329.93,"sentiment":"neutral","sentiment_score":-0.09730693591492516},{"text":"I do apologize.","start":329.93,"end":330.75,"sentiment":"neutral","sentiment_score":-0.0921547810236613},{"text":"But looking at things at the moment, you're 51 this year.","start":331.13,"end":334.35,"sentiment":"neutral","sentiment_score":-0.023595106787979603},{"text":"Yes.","start":335.77,"end":336.27,"sentiment":"neutral","sentiment_score":0.014723943546414375},{"text":"What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you 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like to be drawing down in those retirement years, or you're not real sure as of yet?","start":352.225,"end":359.04498,"sentiment":"neutral","sentiment_score":0.0019649759467159},{"text":"No.","start":362.88998,"end":363.05,"sentiment":"neutral","sentiment_score":-0.04704532027244568},{"text":"That's okay.","start":363.05,"end":363.68997,"sentiment":"neutral","sentiment_score":0.0032490951707586646},{"text":"That's not a problem.","start":363.68997,"end":364.65,"sentiment":"neutral","sentiment_score":0.13095764443278313},{"text":"You're only 51.","start":364.65,"end":365.61,"sentiment":"neutral","sentiment_score":0.056266127775112786}],"sentiment":"neutral","sentiment_score":0.018607925200883887,"num_words":38,"start":352.225,"end":365.61},{"sentences":[{"text":"You've got a bit of time ahead of you still.","start":365.61,"end":367.37,"sentiment":"neutral","sentiment_score":0.04555569402873516},{"text":"We can always come back to that down the track.","start":367.37,"end":369.44998,"sentiment":"neutral","sentiment_score":0.09480075165629387},{"text":"Beautiful.","start":369.44998,"end":369.94998,"sentiment":"positive","sentiment_score":0.36956787109375},{"text":"The having a look at the rest of your details here, has there been any changes with regard to your work?","start":372.295,"end":376.935,"sentiment":"neutral","sentiment_score":0.013348728507047608},{"text":"Have you had a bit of pay rise or a change in role or employer over the last couple of months at all?","start":376.935,"end":382.215,"sentiment":"neutral","sentiment_score":-0.016556303340779698}],"sentiment":"neutral","sentiment_score":0.0257332407654478,"num_words":65,"start":365.61,"end":382.215},{"sentences":[{"text":"Or no?","start":382.215,"end":384.635,"sentiment":"neutral","sentiment_score":-0.028299178928136826},{"text":"Yep.","start":385.81,"end":386.13,"sentiment":"neutral","sentiment_score":0.04058544337749481},{"text":"Beautiful.","start":386.13,"end":386.63,"sentiment":"neutral","sentiment_score":0.1968266069889069},{"text":"Our income here I had down was about 60,000.","start":386.77,"end":389.41,"sentiment":"neutral","sentiment_score":0.045511520778139435},{"text":"Have you got a pay rise yet?","start":389.41,"end":391.11,"sentiment":"neutral","sentiment_score":-0.004488021800560611}],"sentiment":"neutral","sentiment_score":0.027950061345472933,"num_words":20,"start":382.215,"end":391.11},{"sentences":[{"text":"Not sure?","start":395.65,"end":396.37,"sentiment":"neutral","sentiment_score":-0.05489952303469181},{"text":"Not significant enough to notice?","start":396.37,"end":398.22998,"sentiment":"neutral","sentiment_score":-0.0655558317899704},{"text":"Uh-oh.","start":399.495,"end":399.975,"sentiment":"neutral","sentiment_score":-0.09965511411428452},{"text":"Well, hopefully, you have something coming.","start":399.975,"end":401.655,"sentiment":"neutral","sentiment_score":0.056374119905134044},{"text":"You're definitely worth a lot more money.","start":401.655,"end":403.095,"sentiment":"neutral","sentiment_score":0.03989151386278016}],"sentiment":"neutral","sentiment_score":0.0038215236827021555,"num_words":21,"start":395.65,"end":403.095},{"sentences":[{"text":"That's for sure.","start":403.095,"end":403.995,"sentiment":"neutral","sentiment_score":0.07155114784836769},{"text":"Yeah.","start":405.375,"end":405.875,"sentiment":"neutral","sentiment_score":0.06832842528820038},{"text":"All good.","start":407.255,"end":407.995,"sentiment":"neutral","sentiment_score":0.14556568488478663},{"text":"Contributions wise, I can only see your employer contributions going in.","start":408.85498,"end":412.135,"sentiment":"neutral","sentiment_score":-0.04968761584975503},{"text":"There's nothing here to show me that you're making any additional contributions.","start":412.135,"end":415.115,"sentiment":"neutral","sentiment_score":-0.11338927317410707}],"sentiment":"neutral","sentiment_score":-0.04596971771840391,"num_words":29,"start":403.095,"end":415.115},{"sentences":[{"text":"Are you open to doing that?","start":415.55,"end":417.17,"sentiment":"neutral","sentiment_score":-0.07009602089722951},{"text":"No.","start":417.31,"end":417.55,"sentiment":"neutral","sentiment_score":-0.11066828668117525},{"text":"That's okay.","start":417.55,"end":418.29,"sentiment":"neutral","sentiment_score":-0.04746994003653526},{"text":"So we've got a couple of ways of doing it.","start":423.87,"end":425.79,"sentiment":"neutral","sentiment_score":0.020008527569007128},{"text":"We can always look at it as a salary sacrifice contribution where 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claim what's called a notice of intent against that one.","start":452.02002,"end":457.045,"sentiment":"neutral","sentiment_score":0.23048447258770466},{"text":"That changes the contribution type, and you can also claim that sort of contribution back on your tax as well as a bit more of a deduction.","start":457.185,"end":463.605,"sentiment":"neutral","sentiment_score":0.2464903297799605}],"sentiment":"neutral","sentiment_score":0.278306816842245,"num_words":115,"start":433.305,"end":463.605},{"sentences":[{"text":"So yeah.","start":463.825,"end":465.665,"sentiment":"neutral","sentiment_score":0.0472883228212595},{"text":"How does your extended sort of look at the moment?","start":465.665,"end":467.96002,"sentiment":"neutral","sentiment_score":-0.008729478716850281},{"text":"Because that can sort of have an effect as to whether we make additional contributions.","start":467.96002,"end":471.58002,"sentiment":"neutral","sentiment_score":0.09769118626912435},{"text":"How are you finding everything, the cost of living at the moment?","start":471.72,"end":474.62003,"sentiment":"neutral","sentiment_score":-0.008064598155518373},{"text":"It 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forward.","start":525.37,"end":529.77,"sentiment":"neutral","sentiment_score":0.3320252574980259},{"text":"I'll keep bringing it up, and you can let me know when and if you are ready to do so.","start":529.77,"end":533.385,"sentiment":"positive","sentiment_score":0.34417152851819993},{"text":"We can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as 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here.","start":552.62,"end":554.54,"sentiment":"neutral","sentiment_score":0.04008448815771511},{"text":"One is your car.","start":554.54,"end":555.68,"sentiment":"neutral","sentiment_score":0.027466277591884136},{"text":"What kind of car do you drive?","start":556.3,"end":557.84,"sentiment":"neutral","sentiment_score":0.009914781366075789},{"text":"Beautiful.","start":561.755,"end":562.255,"sentiment":"positive","sentiment_score":0.3431333005428314},{"text":"Lovely.","start":562.795,"end":563.295,"sentiment":"positive","sentiment_score":0.3403748571872711}],"sentiment":"neutral","sentiment_score":0.05716840773820877,"num_words":20,"start":552.62,"end":563.295},{"sentences":[{"text":"Good on fuel?","start":564.235,"end":565.135,"sentiment":"neutral","sentiment_score":0.19709089398384094},{"text":"That's good.","start":568.235,"end":568.875,"sentiment":"neutral","sentiment_score":0.19890502095222473},{"text":"Is it still good on fuel is the question as 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work.","start":589.33496,"end":590.475,"sentiment":"neutral","sentiment_score":-0.022774324441949528},{"text":"Perfect.","start":594.535,"end":594.935,"sentiment":"neutral","sentiment_score":0.0561923086643219},{"text":"No.","start":594.935,"end":595.415,"sentiment":"neutral","sentiment_score":-0.048520173877477646}],"sentiment":"neutral","sentiment_score":-0.012944927838231837,"num_words":7,"start":585.19,"end":595.415},{"sentences":[{"text":"Understandable.","start":595.415,"end":595.915,"sentiment":"neutral","sentiment_score":-0.034778691828250885},{"text":"Are you?","start":597.975,"end":598.71497,"sentiment":"neutral","sentiment_score":-0.023280752822756767},{"text":"Yeah.","start":598.95996,"end":599.2,"sentiment":"neutral","sentiment_score":-0.004341087304055691},{"text":"No.","start":599.2,"end":599.51996,"sentiment":"neutral","sentiment_score":-0.007452225312590599},{"text":"Lovely.","start":599.51996,"end":599.83997,"sentiment":"neutral","sentiment_score":0.08468768000602722}],"sentiment":"neutral","sentiment_score":-0.001407638347397248,"num_words":6,"start":595.415,"end":599.83997},{"sentences":[{"text":"So you're pretty good on fuel most of the time anyway.","start":599.83997,"end":601.92,"sentiment":"neutral","sentiment_score":0.06432662193070758},{"text":"I just sort of noticed that the fuel price is going up.","start":601.92,"end":604.16,"sentiment":"neutral","sentiment_score":-0.0775233106687665},{"text":"I'm not sure what they're like around your area, but they're pretty hefty around here on the Gold 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lot about with my with my, you know, clients is making sure that not only that you've got someone nominated, but you have the conversation with them around what you want them to do, how you want them to react is really important as well.","start":893.79,"end":908.605,"sentiment":"neutral","sentiment_score":0.1247590446361789}],"sentiment":"neutral","sentiment_score":0.1927836598636948,"num_words":107,"start":877.27496,"end":908.605},{"sentences":[{"text":"I find a lot of people have a power of attorney in place, and then it becomes news to the attorney.","start":909.225,"end":913.265,"sentiment":"neutral","sentiment_score":0.051079701277471724},{"text":"They go, I don't even know what I'm supposed to do.","start":913.265,"end":915.305,"sentiment":"neutral","sentiment_score":-0.00783482860689136},{"text":"So just having a conversation.","start":915.545,"end":916.905,"sentiment":"neutral","sentiment_score":0.04078095257282257},{"text":"It's not an easy 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you.","start":922.74,"end":930.89996,"sentiment":"neutral","sentiment_score":0.11491625439940077},{"text":"Okay.","start":930.89996,"end":931.39996,"sentiment":"neutral","sentiment_score":0.11554189026355743},{"text":"Yep.","start":932.33997,"end":932.83997,"sentiment":"neutral","sentiment_score":0.197150319814682},{"text":"Perfect.","start":933.22,"end":933.62,"sentiment":"positive","sentiment_score":0.4114208221435547},{"text":"But we'll get that email through.","start":933.62,"end":934.82,"sentiment":"neutral","sentiment_score":0.22066296140352884}],"sentiment":"neutral","sentiment_score":0.13905540942436173,"num_words":42,"start":922.74,"end":934.82},{"sentences":[{"text":"If you do find you have any additional questions, you're more than welcome to let us know.","start":934.82,"end":939.185,"sentiment":"neutral","sentiment_score":0.2037750640336205},{"text":"Okay.","start":939.185,"end":939.685,"sentiment":"neutral","sentiment_score":0.21836528182029724},{"text":"Beautiful.","start":941.665,"end":942.165,"sentiment":"positive","sentiment_score":0.4886283278465271},{"text":"I've got your insurance here in front of me.","start":943.105,"end":945.185,"sentiment":"neutral","sentiment_score":0.21964047186904484},{"text":"So at the moment within Netwealth there, I know you've already seen the annual review pack, and you've kind of signed all the documents there.","start":945.185,"end":952.04004,"sentiment":"neutral","sentiment_score":0.13965647488832475}],"sentiment":"neutral","sentiment_score":0.1818744493824131,"num_words":53,"start":934.82,"end":952.04004},{"sentences":[{"text":"Did you happen to have a bit of a look through the documents as well, look for the reports and balances and things like that?","start":952.04004,"end":958.22003,"sentiment":"neutral","sentiment_score":0.08956117212772369},{"text":"Mhmm.","start":961.64,"end":962.14,"sentiment":"neutral","sentiment_score":0.01461517158895731},{"text":"Absolutely.","start":969.65497,"end":970.15497,"sentiment":"neutral","sentiment_score":0.1422889232635498},{"text":"So the next thing I was gonna let you know is the updated balances.","start":970.615,"end":973.675,"sentiment":"neutral","sentiment_score":0.15311762318015099},{"text":"So on your annual review pack there, you had about $286,003.69.","start":973.89496,"end":980.45,"sentiment":"neutral","sentiment_score":0.13340987874702973}],"sentiment":"neutral","sentiment_score":0.11552093824586616,"num_words":52,"start":952.04004,"end":980.45},{"sentences":[{"text":"As of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good.","start":980.83,"end":989.49,"sentiment":"neutral","sentiment_score":0.27041496446839086},{"text":"Yeah.","start":991.80505,"end":992.30505,"sentiment":"neutral","sentiment_score":0.05009637027978897},{"text":"Yeah.","start":992.525,"end":993.025,"sentiment":"neutral","sentiment_score":0.036788564175367355},{"text":"Yeah.","start":993.80505,"end":994.30505,"sentiment":"neutral","sentiment_score":0.02944907173514366},{"text":"Yes.","start":1000.60504,"end":1001.10504,"sentiment":"neutral","sentiment_score":0.03185589611530304}],"sentiment":"neutral","sentiment_score":0.24030303041781148,"num_words":31,"start":980.83,"end":1001.10504},{"sentences":[{"text":"Yep.","start":1006.62,"end":1007.12,"sentiment":"neutral","sentiment_score":0.007484545465558767},{"text":"Mhmm.","start":1019.195,"end":1019.695,"sentiment":"neutral","sentiment_score":-0.008848555386066437},{"text":"You they do have hard hardship provisions, and that is completely plausible with the safety that you do have here.","start":1028.6499,"end":1034.73,"sentiment":"neutral","sentiment_score":0.11264441087841988},{"text":"It's not a problem at all.","start":1034.73,"end":1036.19,"sentiment":"neutral","sentiment_score":0.2750638872385025},{"text":"There are conditions for hardship, though.","start":1036.4099,"end":1038.57,"sentiment":"neutral","sentiment_score":0.05843657006820043}],"sentiment":"neutral","sentiment_score":0.1250743221025914,"num_words":34,"start":1006.62,"end":1038.57},{"sentences":[{"text":"So in order to be claim financial hardship, you do have to be on Centrelink for twenty six weeks because one of the requirements is they request what's called the case the q two thirty letter, and that's only provided by Centrelink.","start":1038.57,"end":1051.415,"sentiment":"neutral","sentiment_score":0.03546060218165318},{"text":"So if you are in hardship, you've just gotta show that you've been on Centrelink for about twenty six weeks and provide that letter.","start":1051.5549,"end":1057.54,"sentiment":"neutral","sentiment_score":0.0036398775700945407},{"text":"But your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds.","start":1058.0,"end":1064.56,"sentiment":"neutral","sentiment_score":0.17631532748540243},{"text":"There is a bit of a process to go through for claiming.","start":1064.56,"end":1067.2001,"sentiment":"neutral","sentiment_score":0.05878094801058372},{"text":"Like, they wanna see bank statements and show that you don't have any additional income coming in anywhere else and that, you know, you are have been on settling and that life is a little bit hard, and the Superfund does that assessment.","start":1067.2001,"end":1078.225,"sentiment":"neutral","sentiment_score":-0.0112097553129113}],"sentiment":"neutral","sentiment_score":0.038751240339274455,"num_words":142,"start":1038.57,"end":1078.225},{"sentences":[{"text":"But if you ever wanna look at claiming that or if you are struggling, please let us know.","start":1078.285,"end":1082.765,"sentiment":"neutral","sentiment_score":0.09757653065025806},{"text":"We are happy to, you know, help you along.","start":1082.765,"end":1085.4401,"sentiment":"positive","sentiment_score":0.6232130858633254},{"text":"And on the other side, if you can't claim hardship through Super, you don't quite meet those requirements, we could also look at doing some cash flow and budgeting advice with you as well as part of our job here, and we could always help you along that that side of things as well.","start":1086.3,"end":1099.6951,"sentiment":"neutral","sentiment_score":0.1639317206831442},{"text":"Okay?","start":1099.6951,"end":1100.1951,"sentiment":"neutral","sentiment_score":0.08178718388080597},{"text":"Yeah.","start":1101.855,"end":1102.355,"sentiment":"neutral","sentiment_score":0.05793309956789017}],"sentiment":"neutral","sentiment_score":0.1970762472869043,"num_words":83,"start":1078.285,"end":1102.355},{"sentences":[{"text":"Yep.","start":1110.91,"end":1111.41,"sentiment":"neutral","sentiment_score":0.07523587346076965},{"text":"Yep.","start":1114.27,"end":1114.77,"sentiment":"neutral","sentiment_score":0.1854543536901474},{"text":"For the claim.","start":1126.365,"end":1127.265,"sentiment":"neutral","sentiment_score":0.2402800718943278},{"text":"Oh, that's really good to hear.","start":1127.405,"end":1128.685,"sentiment":"positive","sentiment_score":0.4425809234380722},{"text":"I'm glad you had a great experience there.","start":1128.685,"end":1131.025,"sentiment":"positive","sentiment_score":0.8313742429018021}],"sentiment":"positive","sentiment_score":0.5414742066671974,"num_words":19,"start":1110.91,"end":1131.025},{"sentences":[{"text":"I can see the benefit payment here that was made out to you then as well.","start":1131.165,"end":1134.765,"sentiment":"positive","sentiment_score":0.40731297619640827},{"text":"Yeah.","start":1134.765,"end":1135.0851,"sentiment":"neutral","sentiment_score":0.30029961466789246},{"text":"Perfect.","start":1135.0851,"end":1135.5851,"sentiment":"positive","sentiment_score":0.4715149998664856},{"text":"Yep.","start":1136.67,"end":1137.17,"sentiment":"neutral","sentiment_score":0.144319549202919},{"text":"Yeah.","start":1145.31,"end":1145.81,"sentiment":"neutral","sentiment_score":0.09721148014068604}],"sentiment":"positive","sentiment_score":0.37651766315102575,"num_words":20,"start":1131.165,"end":1145.81},{"sentences":[{"text":"Yes.","start":1151.005,"end":1151.485,"sentiment":"neutral","sentiment_score":0.1948975920677185},{"text":"Yeah.","start":1151.485,"end":1151.8849,"sentiment":"neutral","sentiment_score":0.2639716863632202},{"text":"And that's really good.","start":1151.8849,"end":1152.7649,"sentiment":"positive","sentiment_score":0.5679516568779945},{"text":"I mean, this year, we have with the fact that Benelon's been underperforming, and we have seen a bit of volatility in the market with what's happening there globally at the moment.","start":1152.7649,"end":1160.625,"sentiment":"neutral","sentiment_score":0.09442973416298628},{"text":"But, you know, you've mentioned you don't wanna retire to the age of 65, so you've got a bit of time.","start":1161.24,"end":1165.64,"sentiment":"neutral","sentiment_score":0.0013075813407167083}],"sentiment":"neutral","sentiment_score":0.09796417978497506,"num_words":59,"start":1151.005,"end":1165.64},{"sentences":[{"text":"You've got longer than ten years ahead of you to be able to stay invested and wait out what's happening currently before you're accessing your super there.","start":1165.64,"end":1173.96,"sentiment":"neutral","sentiment_score":0.022509204603179737},{"text":"So it is good.","start":1173.96,"end":1175.98,"sentiment":"neutral","sentiment_score":0.21292977966368198},{"text":"Yeah.","start":1176.3949,"end":1176.8949,"sentiment":"neutral","sentiment_score":0.19178494811058044},{"text":"Beautiful.","start":1177.0349,"end":1177.5349,"sentiment":"positive","sentiment_score":0.3516044616699219},{"text":"I'm also just having a quick look to see the portfolio you're in.","start":1178.1549,"end":1181.9149,"sentiment":"neutral","sentiment_score":0.13286179762620193}],"sentiment":"neutral","sentiment_score":0.08108827004047192,"num_words":46,"start":1165.64,"end":1181.9149},{"sentences":[{"text":"I've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there.","start":1181.9149,"end":1188.575,"sentiment":"neutral","sentiment_score":0.11359636175135772},{"text":"But how has everything been since your knee replacement?","start":1188.9299,"end":1191.35,"sentiment":"neutral","sentiment_score":0.02744870363838143},{"text":"Are you finding it's a lot better?","start":1191.4099,"end":1193.1699,"sentiment":"neutral","sentiment_score":0.02863572245197637},{"text":"Are you still having pain and discomfort or anything?","start":1193.1699,"end":1195.57,"sentiment":"neutral","sentiment_score":-0.040497988255487546},{"text":"How's that been?","start":1195.57,"end":1196.5499,"sentiment":"neutral","sentiment_score":-0.016542280403276283}],"sentiment":"neutral","sentiment_score":0.05307100646985838,"num_words":52,"start":1181.9149,"end":1196.5499},{"sentences":[{"text":"Oh, good.","start":1197.8099,"end":1198.6299,"sentiment":"neutral","sentiment_score":0.007604098878800869},{"text":"I do.","start":1209.9049,"end":1210.565,"sentiment":"neutral","sentiment_score":0.04025103524327278},{"text":"Me?","start":1214.32,"end":1214.7999,"sentiment":"neutral","sentiment_score":0.0035929055884480476},{"text":"I know this guy's a bit controversial, but I'm a NRL supporter, and I support the storm.","start":1214.7999,"end":1219.2999,"sentiment":"neutral","sentiment_score":-0.014457640477784854},{"text":"No.","start":1223.6,"end":1223.9199,"sentiment":"neutral","sentiment_score":-0.1049189195036888}],"sentiment":"neutral","sentiment_score":-0.010930244947540696,"num_words":23,"start":1197.8099,"end":1223.9199},{"sentences":[{"text":"No.","start":1223.9199,"end":1224.24,"sentiment":"neutral","sentiment_score":-0.08598379045724869},{"text":"Not at all.","start":1224.24,"end":1225.14,"sentiment":"neutral","sentiment_score":-0.1360827535390854},{"text":"I bet you were.","start":1228.175,"end":1229.395,"sentiment":"neutral","sentiment_score":0.014686512760818005},{"text":"Oh, wow.","start":1236.735,"end":1237.4551,"sentiment":"neutral","sentiment_score":0.2297150045633316},{"text":"That is fantastic.","start":1237.4551,"end":1238.515,"sentiment":"positive","sentiment_score":0.49205241600672406}],"sentiment":"neutral","sentiment_score":0.11539240439350788,"num_words":13,"start":1223.9199,"end":1238.515},{"sentences":[{"text":"You had a good surgeon.","start":1238.9751,"end":1240.1951,"sentiment":"neutral","sentiment_score":0.32485516667366027},{"text":"Wow.","start":1250.28,"end":1250.78,"sentiment":"neutral","sentiment_score":0.05041474103927612},{"text":"Really?","start":1255.735,"end":1256.235,"sentiment":"neutral","sentiment_score":0.0007417816668748856},{"text":"That's fantastic.","start":1257.415,"end":1258.4751,"sentiment":"positive","sentiment_score":0.7878549098968506},{"text":"And did they have, like, much in the way of follow-up for you?","start":1260.615,"end":1263.655,"sentiment":"neutral","sentiment_score":0.03617435808365162}],"sentiment":"neutral","sentiment_score":0.1691549468616193,"num_words":22,"start":1238.9751,"end":1263.655},{"sentences":[{"text":"Did you have to go back a few times and mhmm.","start":1263.655,"end":1270.6699,"sentiment":"neutral","sentiment_score":-0.03708148425952955},{"text":"Yep.","start":1279.975,"end":1280.475,"sentiment":"neutral","sentiment_score":0.03023715876042843},{"text":"Wow.","start":1301.27,"end":1301.77,"sentiment":"neutral","sentiment_score":0.09108231216669084},{"text":"Wow.","start":1303.125,"end":1303.625,"sentiment":"neutral","sentiment_score":0.3289670944213867},{"text":"That is fantastic.","start":1305.525,"end":1306.585,"sentiment":"positive","sentiment_score":0.6173662145932516}],"sentiment":"neutral","sentiment_score":0.11144052248667269,"num_words":17,"start":1263.655,"end":1306.585},{"sentences":[{"text":"Yep.","start":1310.5651,"end":1311.0651,"sentiment":"neutral","sentiment_score":-0.006949075497686863},{"text":"Wow.","start":1312.805,"end":1313.305,"sentiment":"neutral","sentiment_score":-0.007292604073882103},{"text":"No.","start":1320.5,"end":1320.74,"sentiment":"neutral","sentiment_score":-0.05194944143295288},{"text":"Of course.","start":1320.74,"end":1321.4601,"sentiment":"neutral","sentiment_score":-0.01963296439498663},{"text":"Yeah.","start":1321.4601,"end":1321.86,"sentiment":"neutral","sentiment_score":0.0011434312909841535}],"sentiment":"neutral","sentiment_score":-0.017385603083918493,"num_words":6,"start":1310.5651,"end":1321.86},{"sentences":[{"text":"Definitely.","start":1321.86,"end":1322.36,"sentiment":"neutral","sentiment_score":0.026559244841337204},{"text":"Wow.","start":1323.06,"end":1323.56,"sentiment":"neutral","sentiment_score":0.0485154464840889},{"text":"Oh, that's fantastic.","start":1327.2351,"end":1328.375,"sentiment":"positive","sentiment_score":0.551183799902598},{"text":"That's good.","start":1328.5951,"end":1328.995,"sentiment":"positive","sentiment_score":0.5580444931983948},{"text":"And I'm glad you've had not much pain because one of the things I do here when a lot of people have, like, knee replacements and knee surgery is the ongoing effect, and a lot of people still end up with a lot of pain and discomfort long term.","start":1328.995,"end":1339.9551,"sentiment":"neutral","sentiment_score":0.153773910308979}],"sentiment":"neutral","sentiment_score":0.18535065504589252,"num_words":56,"start":1321.86,"end":1339.9551},{"sentences":[{"text":"So it's really good that you're not having any of that.","start":1339.9551,"end":1342.67,"sentiment":"positive","sentiment_score":0.54128636284308},{"text":"You've basically got your quality of life back to 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that's really good.","start":1413.645,"end":1414.62,"sentiment":"positive","sentiment_score":0.6442821323871613},{"text":"Really glad to hear.","start":1414.62,"end":1415.74,"sentiment":"positive","sentiment_score":0.7814679592847824},{"text":"Well, I definitely hope we can continue to provide that good service to you and make sure we're helping you along with those goals there.","start":1415.74,"end":1422.22,"sentiment":"positive","sentiment_score":0.5387578880786896}],"sentiment":"positive","sentiment_score":0.5633874031049865,"num_words":35,"start":1397.31,"end":1422.22},{"sentences":[{"text":"Okay.","start":1422.22,"end":1422.72,"sentiment":"neutral","sentiment_score":0.1838071644306183},{"text":"Beautiful.","start":1423.66,"end":1424.16,"sentiment":"positive","sentiment_score":0.6113300919532776},{"text":"All good.","start":1424.62,"end":1425.26,"sentiment":"positive","sentiment_score":0.45645400881767273},{"text":"Deborah, the last thing I kinda wanted to touch base on is the insurances.","start":1425.26,"end":1428.56,"sentiment":"neutral","sentiment_score":0.0025924049051744597},{"text":"Now the only kind of cover you have at the moment is your life cover there with the MLC.","start":1428.78,"end":1433.2051,"sentiment":"neutral","sentiment_score":-0.016547112284522308}],"sentiment":"neutral","sentiment_score":0.038647129980696214,"num_words":37,"start":1422.22,"end":1433.2051},{"sentences":[{"text":"You don't have any TBD income protection or any additional trauma cover.","start":1433.905,"end":1437.7451,"sentiment":"neutral","sentiment_score":-0.05628624356662234},{"text":"Has anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any of them?","start":1437.7451,"end":1446.0199,"sentiment":"neutral","sentiment_score":-0.02895898486097013},{"text":"No.","start":1447.2799,"end":1447.6,"sentiment":"neutral","sentiment_score":-0.09398885816335678},{"text":"That's alright.","start":1447.6,"end":1448.32,"sentiment":"neutral","sentiment_score":-0.029515590518712994},{"text":"That's okay.","start":1448.32,"end":1449.12,"sentiment":"neutral","sentiment_score":0.041562408208847046}],"sentiment":"neutral","sentiment_score":-0.03423038908901314,"num_words":48,"start":1433.905,"end":1449.12},{"sentences":[{"text":"So I'll start with the life.","start":1449.12,"end":1450.72,"sentiment":"neutral","sentiment_score":0.028607040643692017},{"text":"The life cover you have currently of some insured there of 336,208.","start":1450.72,"end":1456.5,"sentiment":"neutral","sentiment_score":0.03756773890927434},{"text":"In the event of passing away, your life benefit can be paid out to your beneficiary, but then also your super gets paid out on top of that as well.","start":1457.165,"end":1465.885,"sentiment":"neutral","sentiment_score":0.08796522455910842},{"text":"So you've got a good benefit there.","start":1465.885,"end":1467.665,"sentiment":"neutral","sentiment_score":0.21274290127413614},{"text":"Bit over almost bit over $600,000 there, which could be paid out to your beneficiaries.","start":1467.885,"end":1472.5599,"sentiment":"neutral","sentiment_score":0.02487244481841723}],"sentiment":"neutral","sentiment_score":0.07319569755345583,"num_words":70,"start":1449.12,"end":1472.5599},{"sentences":[{"text":"I can't quite see.","start":1473.5,"end":1474.62,"sentiment":"neutral","sentiment_score":-0.07270811311900616},{"text":"I've been trying to look to see who the beneficiary was on your last cover.","start":1474.62,"end":1477.66,"sentiment":"neutral","sentiment_score":-0.0790222148100535},{"text":"I can't see if that's been changed.","start":1477.66,"end":1479.26,"sentiment":"neutral","sentiment_score":-0.0885536287512098},{"text":"But did you want that to be Brett as well, or did you want that to be somebody else?","start":1479.26,"end":1483.12,"sentiment":"neutral","sentiment_score":-0.07239847845937077},{"text":"Right.","start":1486.355,"end":1486.855,"sentiment":"neutral","sentiment_score":-0.08410854637622833}],"sentiment":"neutral","sentiment_score":-0.07729827636933845,"num_words":46,"start":1473.5,"end":1486.855},{"sentences":[{"text":"Yep.","start":1490.035,"end":1490.535,"sentiment":"neutral","sentiment_score":-0.03177023306488991},{"text":"Yeah.","start":1499.5701,"end":1500.0701,"sentiment":"neutral","sentiment_score":-0.011428133584558964},{"text":"No.","start":1501.17,"end":1501.3301,"sentiment":"neutral","sentiment_score":-0.031132439151406288},{"text":"That's beautiful.","start":1501.3301,"end":1502.31,"sentiment":"neutral","sentiment_score":0.06272599007934332},{"text":"Yep.","start":1511.1051,"end":1511.6051,"sentiment":"neutral","sentiment_score":-0.04185910522937775}],"sentiment":"neutral","sentiment_score":0.0015436781880756219,"num_words":6,"start":1490.035,"end":1511.6051},{"sentences":[{"text":"Yeah.","start":1512.9451,"end":1513.425,"sentiment":"neutral","sentiment_score":0.2442528605461121},{"text":"Beautiful.","start":1513.425,"end":1513.925,"sentiment":"positive","sentiment_score":0.6176973581314087},{"text":"Beautiful.","start":1514.145,"end":1514.645,"sentiment":"positive","sentiment_score":0.5934962630271912},{"text":"Well, the amount of benefit based on the current amounts I have here would give him approximately $622,005.77 as your spouse can receive that essentially tax free.","start":1514.9451,"end":1524.98,"sentiment":"neutral","sentiment_score":0.24688953989081913},{"text":"Are you comfortable you're happy with that level of cover that he may receive between your super and your life insurances?","start":1525.36,"end":1530.82,"sentiment":"neutral","sentiment_score":0.2714118514032591}],"sentiment":"neutral","sentiment_score":0.2710022144750053,"num_words":51,"start":1512.9451,"end":1530.82},{"sentences":[{"text":"Are you wanting to reassess those amounts at all?","start":1530.96,"end":1533.46,"sentiment":"neutral","sentiment_score":0.07824855670332909},{"text":"Yep.","start":1536.695,"end":1537.195,"sentiment":"neutral","sentiment_score":0.3212665319442749},{"text":"Yep.","start":1547.43,"end":1547.93,"sentiment":"neutral","sentiment_score":0.08973367512226105},{"text":"Yeah.","start":1550.31,"end":1550.71,"sentiment":"neutral","sentiment_score":0.2229432463645935},{"text":"Beautiful.","start":1550.71,"end":1551.21,"sentiment":"positive","sentiment_score":0.555762767791748}],"sentiment":"neutral","sentiment_score":0.14568794088867995,"num_words":13,"start":1530.96,"end":1551.21},{"sentences":[{"text":"Beautiful.","start":1551.43,"end":1551.93,"sentiment":"positive","sentiment_score":0.5006409883499146},{"text":"Now the other types of cover that we have noted here are that you don't currently have are things like total permanent disability.","start":1552.87,"end":1558.65,"sentiment":"neutral","sentiment_score":-0.04001489216866701},{"text":"So, essentially, if you are off work or unable to go back to work ever again, do you feel like you would need a level of insurance to maybe fall back on, or do you think, you know, Brett would have enough money coming in to cover all of your joint expenditure?","start":1558.79,"end":1572.555,"sentiment":"neutral","sentiment_score":-0.08652428379998757},{"text":"How do you sort of feel?","start":1573.255,"end":1574.555,"sentiment":"neutral","sentiment_score":-0.06605969369411469},{"text":"Yep.","start":1574.8301,"end":1575.3301,"sentiment":"neutral","sentiment_score":0.0018945287447422745}],"sentiment":"neutral","sentiment_score":-0.06401720388612923,"num_words":83,"start":1551.43,"end":1575.3301},{"sentences":[{"text":"Yep.","start":1576.5901,"end":1576.91,"sentiment":"neutral","sentiment_score":0.13922956585884094},{"text":"That's okay.","start":1576.91,"end":1577.55,"sentiment":"neutral","sentiment_score":0.18733549118041992},{"text":"The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released.","start":1577.55,"end":1586.685,"sentiment":"neutral","sentiment_score":0.00844070292783506},{"text":"It is really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount.","start":1587.165,"end":1597.0851,"sentiment":"neutral","sentiment_score":-0.04516750812116596},{"text":"But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible.","start":1597.0851,"end":1605.4099,"sentiment":"neutral","sentiment_score":0.1340746022760868}],"sentiment":"neutral","sentiment_score":0.030243335826562183,"num_words":101,"start":1576.5901,"end":1605.4099},{"sentences":[{"text":"Okay?","start":1605.63,"end":1606.13,"sentiment":"neutral","sentiment_score":0.04726873338222504},{"text":"Yep.","start":1606.99,"end":1607.39,"sentiment":"neutral","sentiment_score":0.16270597279071808},{"text":"Beautiful.","start":1607.39,"end":1607.89,"sentiment":"positive","sentiment_score":0.5011969804763794},{"text":"Same again with income protection.","start":1608.35,"end":1609.87,"sentiment":"neutral","sentiment_score":0.2585879947990179},{"text":"That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury.","start":1609.87,"end":1617.805,"sentiment":"neutral","sentiment_score":-0.09088616938713719}],"sentiment":"neutral","sentiment_score":-0.025857573774244105,"num_words":42,"start":1605.63,"end":1617.805},{"sentences":[{"text":"You're happy not having income protection.","start":1618.665,"end":1620.505,"sentiment":"neutral","sentiment_score":0.003331143409013748},{"text":"Did you wanna look at that?","start":1620.505,"end":1621.9451,"sentiment":"neutral","sentiment_score":0.019676148270567257},{"text":"You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work.","start":1621.9451,"end":1626.605,"sentiment":"neutral","sentiment_score":-0.0403973803316292},{"text":"Yep.","start":1628.6001,"end":1629.1001,"sentiment":"neutral","sentiment_score":0.22796213626861572},{"text":"Yep.","start":1632.04,"end":1632.54,"sentiment":"neutral","sentiment_score":0.1589464247226715}],"sentiment":"neutral","sentiment_score":-0.007351451976732774,"num_words":33,"start":1618.665,"end":1632.54},{"sentences":[{"text":"Beautiful.","start":1636.6001,"end":1636.76,"sentiment":"positive","sentiment_score":0.5109803080558777},{"text":"Absolutely.","start":1636.76,"end":1637.26,"sentiment":"positive","sentiment_score":0.53958660364151},{"text":"And that's one of the benefits of the conversation, the review, is that I can give you the information you need.","start":1637.48,"end":1642.385,"sentiment":"positive","sentiment_score":0.48489610637937275},{"text":"And whilst right now you're going, I'm not really worried about that, you know, things could change on the track, and you might call me and go, hey.","start":1642.385,"end":1648.3049,"sentiment":"neutral","sentiment_score":0.0887719878394689},{"text":"I think we need to maybe look at this, and then we can absolutely have more of an in-depth conversation really not at what you might want at that particular time.","start":1648.3049,"end":1655.79,"sentiment":"neutral","sentiment_score":0.10998121745163394}],"sentiment":"neutral","sentiment_score":0.20888315300207314,"num_words":82,"start":1636.6001,"end":1655.79},{"sentences":[{"text":"But that's absolutely okay.","start":1655.79,"end":1657.3301,"sentiment":"neutral","sentiment_score":0.2500796802341938},{"text":"Alright?","start":1658.8301,"end":1659.31,"sentiment":"neutral","sentiment_score":0.2695084810256958},{"text":"Perfect.","start":1659.31,"end":1659.81,"sentiment":"positive","sentiment_score":0.5410193204879761},{"text":"The other type of cover that I do have to discuss is called trauma.","start":1660.1901,"end":1663.41,"sentiment":"neutral","sentiment_score":0.031584513905857294},{"text":"Trauma, you can't hold inside super like you can the other insurances.","start":1663.79,"end":1667.235,"sentiment":"neutral","sentiment_score":0.009126323837942133}],"sentiment":"neutral","sentiment_score":0.07382955009961734,"num_words":32,"start":1655.79,"end":1667.235},{"sentences":[{"text":"It tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke.","start":1667.2949,"end":1677.695,"sentiment":"neutral","sentiment_score":0.004394724910311839},{"text":"So very major sorts of conditions there.","start":1677.695,"end":1680.275,"sentiment":"neutral","sentiment_score":-0.1011578163930348},{"text":"It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment.","start":1681.0499,"end":1686.1699,"sentiment":"neutral","sentiment_score":-0.10893829521678743},{"text":"So, again, you're happy just to not worry about that right now, or did you want me to sort of talk more about it?","start":1686.1699,"end":1691.21,"sentiment":"neutral","sentiment_score":0.11881325995394339},{"text":"No.","start":1691.21,"end":1691.71,"sentiment":"neutral","sentiment_score":-0.11618457734584808}],"sentiment":"neutral","sentiment_score":-0.0012764897218894684,"num_words":87,"start":1667.2949,"end":1691.71},{"sentences":[{"text":"That's okay.","start":1692.845,"end":1693.665,"sentiment":"neutral","sentiment_score":0.15483997017145157},{"text":"Not a problem at all.","start":1693.805,"end":1695.345,"sentiment":"neutral","sentiment_score":0.1724780559539795},{"text":"The last thing I just wanted to run through is a bit of a risk profile questionnaire.","start":1695.885,"end":1699.085,"sentiment":"neutral","sentiment_score":-0.0036350999246625337},{"text":"So I have kind of gone through and answered most of those questions for the moment there.","start":1699.085,"end":1703.185,"sentiment":"neutral","sentiment_score":0.03824422902920667},{"text":"But the first one I had here now, looking back, you've never owned any investments outside of super.","start":1703.5651,"end":1709.27,"sentiment":"neutral","sentiment_score":-0.0250643169403904}],"sentiment":"neutral","sentiment_score":0.022190978134966503,"num_words":59,"start":1692.845,"end":1709.27},{"sentences":[{"text":"Have you ever owned any direct shares or anything in your own name?","start":1709.27,"end":1712.41,"sentiment":"neutral","sentiment_score":0.00036365284512822446},{"text":"Nope.","start":1713.83,"end":1714.15,"sentiment":"neutral","sentiment_score":-0.036300159990787506},{"text":"That's okay.","start":1714.15,"end":1714.95,"sentiment":"neutral","sentiment_score":0.10128414630889893},{"text":"Beautiful.","start":1714.95,"end":1715.45,"sentiment":"positive","sentiment_score":0.5017449259757996},{"text":"When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel?","start":1715.75,"end":1732.295,"sentiment":"neutral","sentiment_score":-0.02102502985226531}],"sentiment":"neutral","sentiment_score":-0.007984953231024968,"num_words":79,"start":1709.27,"end":1732.295},{"sentences":[{"text":"Are you feeling okay?","start":1732.295,"end":1733.415,"sentiment":"neutral","sentiment_score":-0.020362534560263157},{"text":"You're not wanting to as super right now.","start":1733.415,"end":1735.59,"sentiment":"neutral","sentiment_score":-0.23445460945367813},{"text":"You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure?","start":1735.59,"end":1743.59,"sentiment":"neutral","sentiment_score":-0.12051680102013052},{"text":"How do you think you might react and feel?","start":1743.59,"end":1745.77,"sentiment":"neutral","sentiment_score":-0.04508685775929027},{"text":"Yeah.","start":1753.925,"end":1754.425,"sentiment":"neutral","sentiment_score":0.024229729548096657}],"sentiment":"neutral","sentiment_score":-0.11472549327407722,"num_words":54,"start":1732.295,"end":1754.425},{"sentences":[{"text":"Oh, that's lovely.","start":1764.18,"end":1765.16,"sentiment":"positive","sentiment_score":0.4134039630492528},{"text":"Thank you.","start":1765.3,"end":1766.12,"sentiment":"positive","sentiment_score":0.4016050100326538},{"text":"Yes.","start":1770.74,"end":1771.24,"sentiment":"neutral","sentiment_score":0.04352455586194992},{"text":"Yep.","start":1771.4601,"end":1771.9601,"sentiment":"neutral","sentiment_score":0.0646769106388092},{"text":"Yep.","start":1774.775,"end":1775.275,"sentiment":"neutral","sentiment_score":0.08675571531057358}],"sentiment":"neutral","sentiment_score":0.27979738637804985,"num_words":8,"start":1764.18,"end":1775.275},{"sentences":[{"text":"Yeah.","start":1779.3351,"end":1779.7351,"sentiment":"neutral","sentiment_score":0.12252993881702424},{"text":"Absolutely.","start":1779.7351,"end":1780.2351,"sentiment":"neutral","sentiment_score":0.3215636909008026},{"text":"Fantastic.","start":1780.6151,"end":1781.1151,"sentiment":"positive","sentiment_score":0.4919130504131317},{"text":"I love that answer.","start":1781.415,"end":1782.555,"sentiment":"positive","sentiment_score":0.5392363667488098},{"text":"When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns?","start":1782.935,"end":1801.535,"sentiment":"neutral","sentiment_score":0.07887519956208193}],"sentiment":"neutral","sentiment_score":0.11416444609252115,"num_words":72,"start":1779.3351,"end":1801.535},{"sentences":[{"text":"How do you see yourself sitting in there?","start":1801.535,"end":1803.715,"sentiment":"neutral","sentiment_score":-0.00474215648137033},{"text":"Yep.","start":1806.735,"end":1807.235,"sentiment":"neutral","sentiment_score":0.07776287198066711},{"text":"Beautiful.","start":1807.375,"end":1807.875,"sentiment":"neutral","sentiment_score":0.3277233839035034},{"text":"Excellent.","start":1808.095,"end":1808.595,"sentiment":"neutral","sentiment_score":0.32878488302230835},{"text":"And when we think about your super, am I right you're looking to try and get the best returns you possibly can out of your super?","start":1809.535,"end":1815.315,"sentiment":"neutral","sentiment_score":0.12733257160736963}],"sentiment":"neutral","sentiment_score":0.1082967769958683,"num_words":37,"start":1801.535,"end":1815.315},{"sentences":[{"text":"Yeah.","start":1817.0901,"end":1817.5901,"sentiment":"neutral","sentiment_score":0.11617738008499146},{"text":"Lovely.","start":1817.7301,"end":1818.2301,"sentiment":"neutral","sentiment_score":0.2722797393798828},{"text":"Excellent.","start":1818.3701,"end":1818.8701,"sentiment":"neutral","sentiment_score":0.2494516372680664},{"text":"And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past?","start":1819.41,"end":1828.0701,"sentiment":"neutral","sentiment_score":0.04356784565607086},{"text":"Nope.","start":1829.6549,"end":1830.0549,"sentiment":"neutral","sentiment_score":-0.01993660628795624}],"sentiment":"neutral","sentiment_score":0.05589286698442367,"num_words":36,"start":1817.0901,"end":1830.0549},{"sentences":[{"text":"That's okay.","start":1830.0549,"end":1830.875,"sentiment":"neutral","sentiment_score":0.09857344627380371},{"text":"Perfect.","start":1831.095,"end":1831.595,"sentiment":"positive","sentiment_score":0.3939255177974701},{"text":"Lovely.","start":1832.615,"end":1833.115,"sentiment":"positive","sentiment_score":0.4152461588382721},{"text":"Thank you for that.","start":1833.4149,"end":1834.635,"sentiment":"positive","sentiment_score":0.5171608626842499},{"text":"So I'm just going through tallying those up there for you now.","start":1834.855,"end":1837.6549,"sentiment":"neutral","sentiment_score":0.14228267843524614}],"sentiment":"neutral","sentiment_score":0.23911770805716515,"num_words":20,"start":1830.0549,"end":1837.6549},{"sentences":[{"text":"You've scored in that growth environment there, so you are currently in a growth portfolio, which generally sees about 80% of your super in growth investments, so things like Australian shares, international shares, listed property, and some commodities, things like gold and silver as well.","start":1837.6549,"end":1853.59,"sentiment":"neutral","sentiment_score":0.16408568637238607},{"text":"The other 20% tends to be in lower risk investments, like cash, bonds, and fixed interest.","start":1854.21,"end":1859.265,"sentiment":"neutral","sentiment_score":0.08408457133919},{"text":"So those growth investments are where you're looking to get a greater potential return.","start":1859.265,"end":1863.205,"sentiment":"neutral","sentiment_score":0.27088920239891323},{"text":"It does see you taking on a bit more risk to try and get that, but having a mix of those low risk investments like cash, bonds, and fixed interest type thing things helps to mitigate long term market volatility.","start":1863.505,"end":1874.9601,"sentiment":"neutral","sentiment_score":0.19487620871514083},{"text":"Do you feel like you're pretty comfortable in that sort of environment for the moment, or did you want me to kind of look at altering that for you?","start":1875.42,"end":1882.4,"sentiment":"neutral","sentiment_score":0.06981215677384672}],"sentiment":"neutral","sentiment_score":0.15514763025566936,"num_words":144,"start":1837.6549,"end":1882.4},{"sentences":[{"text":"Yeah.","start":1884.635,"end":1884.955,"sentiment":"neutral","sentiment_score":0.16869525611400604},{"text":"Beautiful.","start":1884.955,"end":1885.355,"sentiment":"positive","sentiment_score":0.42859965562820435},{"text":"Well, the growth of portfolio generally suits someone who has about six years before they're wanting to access their super.","start":1885.355,"end":1890.715,"sentiment":"neutral","sentiment_score":0.11935166008770466},{"text":"So because you're 51 and you've got till 65 there, you do have that time horizon to withstand the ups and downs in the market.","start":1890.715,"end":1897.7749,"sentiment":"neutral","sentiment_score":0.06721931859850884},{"text":"This sort of portfolio is generally looking to sort of get generally between sort of about an eight to 10 sorry.","start":1898.24,"end":1905.2201,"sentiment":"neutral","sentiment_score":-0.03827954828739166}],"sentiment":"neutral","sentiment_score":0.0567785377121147,"num_words":68,"start":1884.635,"end":1905.2201},{"sentences":[{"text":"Seven to 9% return on a yearly basis there over the longer term, and we can expect the likelihood of a negative return sort of one in every five years with this.","start":1905.4401,"end":1913.895,"sentiment":"neutral","sentiment_score":-0.13757861719932407},{"text":"That's why we like you to have that sort of 60 time horizon.","start":1914.215,"end":1917.035,"sentiment":"neutral","sentiment_score":-0.029273630048219975},{"text":"So, I mean, looking at where you are in your agent's day, you're fine to be in that growth portfolio.","start":1917.335,"end":1922.4551,"sentiment":"neutral","sentiment_score":0.11045088600367307},{"text":"It suits your your tolerance and your capacity you have at the moment.","start":1922.4551,"end":1926.295,"sentiment":"neutral","sentiment_score":0.1577472182420584},{"text":"But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you.","start":1926.295,"end":1933.58,"sentiment":"neutral","sentiment_score":0.31904808109005295}],"sentiment":"neutral","sentiment_score":0.08377871341589424,"num_words":108,"start":1905.4401,"end":1933.58},{"sentences":[{"text":"Okay?","start":1933.58,"end":1934.08,"sentiment":"neutral","sentiment_score":0.21173059940338135},{"text":"Beautiful.","start":1935.8999,"end":1936.3999,"sentiment":"positive","sentiment_score":0.4876629710197449},{"text":"Do you have any questions generally about anything that we have gone through or anything that you might want me that I haven't touched on for you?","start":1936.46,"end":1943.52,"sentiment":"neutral","sentiment_score":0.17756908580108924},{"text":"No.","start":1945.7251,"end":1946.2251,"sentiment":"negative","sentiment_score":-0.44587165117263794},{"text":"Yep.","start":1947.5651,"end":1948.0651,"sentiment":"neutral","sentiment_score":0.00502970302477479}],"sentiment":"neutral","sentiment_score":0.16299732060982816,"num_words":31,"start":1933.58,"end":1948.0651},{"sentences":[{"text":"Yeah.","start":1951.805,"end":1952.305,"sentiment":"neutral","sentiment_score":0.11563649773597716},{"text":"Yeah.","start":1958.94,"end":1959.44,"sentiment":"neutral","sentiment_score":0.17309658229351044},{"text":"No.","start":1959.58,"end":1959.74,"sentiment":"positive","sentiment_score":0.33369559049606323},{"text":"That's fantastic.","start":1959.74,"end":1960.5599,"sentiment":"positive","sentiment_score":0.7522612512111664},{"text":"That's really great.","start":1960.94,"end":1961.74,"sentiment":"positive","sentiment_score":0.8446153004964193}],"sentiment":"positive","sentiment_score":0.5825996343046427,"num_words":8,"start":1951.805,"end":1961.74},{"sentences":[{"text":"Is there any other goals that you might have between now to retirement or over the next couple of years that you might be sort of thinking about trying to achieve?","start":1961.74,"end":1970.5399,"sentiment":"neutral","sentiment_score":0.23540979816067603},{"text":"Or win a lottery?","start":1970.5399,"end":1973.995,"sentiment":"neutral","sentiment_score":0.0759434811770916},{"text":"No.","start":1976.695,"end":1977.195,"sentiment":"neutral","sentiment_score":-0.008307430893182755},{"text":"Absolutely.","start":1977.335,"end":1977.835,"sentiment":"neutral","sentiment_score":0.0003064032644033432},{"text":"Yeah.","start":1997.285,"end":1997.765,"sentiment":"neutral","sentiment_score":0.07083503901958466}],"sentiment":"neutral","sentiment_score":0.2016924126073718,"num_words":38,"start":1961.74,"end":1997.765},{"sentences":[{"text":"Absolutely.","start":1997.765,"end":1998.265,"sentiment":"neutral","sentiment_score":0.12595149874687195},{"text":"No.","start":1998.805,"end":1999.125,"sentiment":"neutral","sentiment_score":0.11373214423656464},{"text":"Not a problem at all.","start":1999.125,"end":2000.3251,"sentiment":"neutral","sentiment_score":0.18837290704250337},{"text":"Fantastic.","start":2000.3251,"end":2000.8251,"sentiment":"positive","sentiment_score":0.4718028306961059},{"text":"Well, I've sorry.","start":2001.4451,"end":2002.405,"sentiment":"neutral","sentiment_score":0.06310418744881947}],"sentiment":"neutral","sentiment_score":0.16751487011259253,"num_words":11,"start":1997.765,"end":2002.405},{"sentences":[{"text":"Popped a little thing in my calendar.","start":2002.405,"end":2004.405,"sentiment":"neutral","sentiment_score":0.04655408273850169},{"text":"So in three months' time, we'll make sure Michelle gives you a call.","start":2004.405,"end":2007.765,"sentiment":"neutral","sentiment_score":0.05865258307984242},{"text":"We'll book you into a little bit of a catch up and see where things are going there.","start":2007.765,"end":2011.08,"sentiment":"neutral","sentiment_score":0.09917197169529067},{"text":"I'll go back and just make sure that this standalone investment continues to be sold down and swapped over for the a 200 there for you.","start":2011.48,"end":2018.5399,"sentiment":"neutral","sentiment_score":0.09245861436312015},{"text":"I have just noticed on your file your ID has expired.","start":2019.0,"end":2021.96,"sentiment":"neutral","sentiment_score":-0.04554014415903525}],"sentiment":"neutral","sentiment_score":0.06368586716552575,"num_words":75,"start":2002.405,"end":2021.96},{"sentences":[{"text":"So if it's okay, we'll send you a little text message after.","start":2021.96,"end":2024.84,"sentiment":"neutral","sentiment_score":-0.01162742885450522},{"text":"If you can just provide your updated ID for us, it's just really important we do have that up to date on file, if that's okay.","start":2024.84,"end":2032.315,"sentiment":"neutral","sentiment_score":0.012745238580884269},{"text":"Yeah.","start":2033.815,"end":2034.135,"sentiment":"neutral","sentiment_score":0.073196180164814},{"text":"And, look, if you ever are speaking to anyone and they're talking about their super or anything, please feel free to give them my information.","start":2034.135,"end":2040.08,"sentiment":"neutral","sentiment_score":0.08499993339180946},{"text":"I'm more than happy to help anyone else with their goals there as well.","start":2040.22,"end":2042.9401,"sentiment":"positive","sentiment_score":0.43737201392650604}],"sentiment":"neutral","sentiment_score":0.10914422777923158,"num_words":78,"start":2021.96,"end":2042.9401},{"sentences":[{"text":"I love the super insurances and and I've been an adviser, so please feel free to pass them all of the information.","start":2042.9401,"end":2048.62,"sentiment":"neutral","sentiment_score":0.2896982966498895},{"text":"We're really happy that you've had a great experience with us, and I'll do everything we can to continue that for you.","start":2048.62,"end":2054.0,"sentiment":"positive","sentiment_score":0.5930396128784526},{"text":"Okay?","start":2056.065,"end":2056.385,"sentiment":"neutral","sentiment_score":0.1011839509010315},{"text":"That's okay.","start":2056.385,"end":2057.205,"sentiment":"neutral","sentiment_score":0.04903840087354183},{"text":"Before I do go so sorry, Deborah.","start":2057.2651,"end":2059.105,"sentiment":"neutral","sentiment_score":-0.024926037128482546}],"sentiment":"positive","sentiment_score":0.3600928241180049,"num_words":54,"start":2042.9401,"end":2059.105},{"sentences":[{"text":"I just wanna double check.","start":2059.105,"end":2060.065,"sentiment":"neutral","sentiment_score":-0.017782376054674386},{"text":"Now part of that packet you did find was the ongoing service agreement.","start":2060.065,"end":2064.865,"sentiment":"neutral","sentiment_score":0.033132864735447444},{"text":"Do you understand how our ongoing fees were?","start":2064.865,"end":2067.49,"sentiment":"neutral","sentiment_score":-0.0010450046975165606},{"text":"Did you have any questions in relation to that?","start":2067.49,"end":2069.6501,"sentiment":"neutral","sentiment_score":-0.015351409299506081},{"text":"Or no.","start":2069.6501,"end":2072.23,"sentiment":"neutral","sentiment_score":-0.15012279525399208}],"sentiment":"neutral","sentiment_score":-0.0028365662296277448,"num_words":37,"start":2059.105,"end":2072.23},{"sentences":[{"text":"All good?","start":2072.37,"end":2073.11,"sentiment":"neutral","sentiment_score":-0.0008858256042003632},{"text":"Beautiful.","start":2076.05,"end":2076.55,"sentiment":"positive","sentiment_score":0.7108586430549622},{"text":"Well, thank you so much for your time today.","start":2076.61,"end":2078.77,"sentiment":"positive","sentiment_score":0.7199500335587395},{"text":"I'll let you go.","start":2078.77,"end":2079.4102,"sentiment":"positive","sentiment_score":0.4884074702858925},{"text":"I appreciate you taking your time out of your day to have a chat to me.","start":2079.4102,"end":2082.375,"sentiment":"positive","sentiment_score":0.6052459869533777}],"sentiment":"positive","sentiment_score":0.588318842696026,"num_words":32,"start":2072.37,"end":2082.375},{"sentences":[{"text":"We'll touch base in about three months unless there's anything that you need in the meantime.","start":2082.695,"end":2086.395,"sentiment":"neutral","sentiment_score":0.11802275665104389},{"text":"Okay?","start":2086.535,"end":2087.035,"sentiment":"neutral","sentiment_score":0.13055038452148438},{"text":"My pleasure, Deborah.","start":2089.175,"end":2090.215,"sentiment":"positive","sentiment_score":0.7540724674860636},{"text":"Thank you for your time.","start":2090.215,"end":2091.015,"sentiment":"positive","sentiment_score":0.7758457779884338},{"text":"Have a good afternoon.","start":2091.015,"end":2091.995,"sentiment":"positive","sentiment_score":0.5865278840065002}],"sentiment":"positive","sentiment_score":0.3622921489436051,"num_words":29,"start":2082.695,"end":2091.995},{"sentences":[{"text":"See you later.","start":2092.135,"end":2092.955,"sentiment":"positive","sentiment_score":0.3582598666350047},{"text":"Bye.","start":2093.495,"end":2093.995,"sentiment":"neutral","sentiment_score":-0.11589770764112473}],"sentiment":"neutral","sentiment_score":0.23972047306597233,"num_words":4,"start":2092.135,"end":2093.995}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Yourself? Yeah. Yeah. That's fine. Busy. Yep. Sounds good. Yes. That's fine. Okay. Deborah Louise Rupp. Twenty third of June 1975, and 57 Beals Road, Jensen, Queensland. No. Every second Monday. Yeah. That'd be great. No. No. I don't think so. Well, at that time, I was going through divorce, and my life was in a shambles because, you know but everything's flattening out, and I feel on the right track at the moment. Month every three months. Yeah. Yep. Sounds good. I do vaguely. Mhmm. No. No. That's fine. Yep. Sounds good. Yes. Probably 65. No. I'm not sure as of yet. Yeah. No. Mhmm. No. No. Still in pharmacy. I don't know. No. No. No. That'd be nice. No. I haven't been. How would that work? Like, how would I do that? Uh-huh. Mhmm. Well, I mean, it's shit, but it's shit for everyone. Yeah. Look. I probably won't do that at this point in time, but that's not to say that I won't ever do it, if you know what I mean. Like, until a bit more certainty comes into the world and what's going on and, you know, cost of living and whatever else, I probably won't wouldn't feel comfortable doing that. Yeah. But like I said, in the future, we can discuss it again and go from there. Yep. Yeah. Mazda two twenty sixteen. Yeah. Not too bad. But it well, I don't really drive, Like, I don't drive unnecessarily unless it's to go to work or to you know? It's not like I just go for a cruise just because I'm wanting. So Well, yeah, I've only got dogs, so I don't have children. I have two, a purebred Dachshund, and a 10 old Dachshund cost two hour. Well yeah. Yeah. We got him eight, nine weeks old. He's the devil incarnations, I think. Oh, yeah. For sure. But, you know yeah. No. That's all done. No. No. Well, I currently live with my partner, so no. No. Yes. He does. Mhmm. Mhmm. Yes. Yes. Mhmm. Yep. Sure. He's my partner. Mhmm. Yeah. No. Everything's good. Just getting older and, you know, work. No. Not yet. Yeah. Brett and I were actually discussing that today. Yeah. Send it through, and we'll have a look. Mhmm. Yep. Okay. Sounds good. Yes. I did. But can you just tell me, are you able to see how much is in my super account at the moment? Okay. That's awesome. Now that the amount of the super is from, obviously, my ex husband or most of it because I took most of his super, but you know? Anyway, is there if I need to not saying I need to now, but if financial difficulty becomes you know? Am I able to access any of that? Mhmm. Yeah. I've I have accessed my super couple of years twelve months ago to get my knee replaced. So that was real you guys were really helpful with getting all the the paperwork and everything I needed for the knee replacement, so that was good. Yeah. So and, yeah. Oh, it didn't take that much out because I have private health, but it seems to be performing well that it's actually increasing. Yep. Yeah. That's true. No. Not at all. Not at all. It was the best thing I have ever done. And my surgeon, he's, I don't know if you follow football at all, but he he what team do you support? Oh, so you weren't happy on the weekend? I was extremely happy. Yeah. So my surgeon operates on the cowboys. Well, I was in the hospital for less than twenty hours with a total knee replacement. And four hours after surgery, I was walking stairs. He's I saw him at six weeks. I wasn't meant to go back to work for six weeks, but I went back after three. I work in a pharmacy, so it's not sort of strenuous. And when I went back after six weeks, the surgeon came and saw me, and he said, oh, you're doing really well for six months. And I said, did you just say six months? And he goes, yeah. And I said, well, it's been six weeks. And he goes, well, you're doing amazing. So but, yeah, he didn't know that I was already back at work and driving and stuff. But at that time, I'd only just started that job, so it's not like I could take six weeks off work. Do you know what I mean? So but yeah. No. It's the best thing I've ever done. Yeah. Well, when we went back for the sixth week, you know, follow-up, I met a guy that was going to the doctor the same time, and we were operated on the same day. And I had a a walker because that's what my surgeon wanted, and it was more for show. Like, I could walk without it. You know, it was just to make the surgeon feel good. But this other guy, he was, yeah, he was in a world of hurt, and he was really relying on the walker where I'm just pushing it just because the surgeon said I had to. So but, no, everything was good, and, yeah, glad I had it done. And the help that I got from you guys to access the super and that sort of thing to actually get it done was just amazing. So Yep. Alrighty. Not really. No. Not really. Yep. Neither Brett. Because if something was to happen to me, the money that Brett receives would be to make sure my my dogs are looked after because I don't have kids. So and he works away, so I want him to be able to stop working in the mines and be at home with the dogs if something were to happen to me. Mhmm. No. I'm I'm pretty happy with that, and I'm sure he will be too because it'll give him a chance to quit the mines and work in town where he the dogs can be looked after and whatever. Yeah. No. I'm pretty good with that. Uh-huh. Yep. Alrighty. Yeah. No. Look. I'm happy with what what's happening at the moment, but that's not to say the next time we talk, I might change my mind and Alrighty. Yeah. No. No. I'm all good. Nine. I'm at well, I would if something like that were to happen, I'd ring you and get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me and not having not me having to go, oh my god. What do I do? What do I do? I'd rather have someone who understands what's going on and what's best to achieve the goals that we've spoken about. Probably the medium to moderate. Yeah. Yep. No. Mhmm. No. No. I'm pretty comfortable. Yep. Sounds good. No. No. I'm pretty happy even. Like, if I think of something down the track, every time I ring, it's really easy to get some someone to talk to. WinMoto, but, you know yeah. It'd be nice, but, no, there's no other as long as, like I said, if something happens to me that Brett's able to give up work to be not give up work, but able to leave the mines to look after the the dogs because they're my family. Yeah. Yeah. Yeah. Yep. Alrighty. Sounds good. No. I'm all good. I'm very, very happy with everything at the moment. So Yep. Alrighty. Thank you so much. Okay. You too. 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Yeah. Good. Yourself? Yeah.\n\nYeah. That's fine. Busy. Yep. Sounds good.\n\nYes. That's fine. Okay. Deborah Louise Rupp. Twenty third of June 1975, and 57 Beals Road, Jensen, Queensland.\n\nNo. Every second Monday. Yeah. That'd be great. No.\n\nNo. I don't think so. Well, at that time, I was going through divorce, and my life was in a shambles because, you know but everything's flattening out, and I feel on the right track at the moment. Month every three months. Yeah.\n\nYep. Sounds good. I do vaguely. Mhmm. No.\n\nNo. That's fine. Yep. Sounds good. Yes.\n\nProbably 65. No. I'm not sure as of yet. Yeah. No.\n\nMhmm. No. No. Still in pharmacy. I don't know.\n\nNo. No. No. That'd be nice. No.\n\nI haven't been. How would that work? Like, how would I do that? Uh-huh. Mhmm.\n\nWell, I mean, it's shit, but it's shit for everyone. Yeah. Look. I probably won't do that at this point in time, but that's not to say that I won't ever do it, if you know what I mean. Like, until a bit more certainty comes into the world and what's going on and, you know, cost of living and whatever else, I probably won't wouldn't feel comfortable doing that.\n\nYeah. But like I said, in the future, we can discuss it again and go from there. Yep. Yeah. Mazda two twenty sixteen.\n\nYeah. Not too bad. But it well, I don't really drive, Like, I don't drive unnecessarily unless it's to go to work or to you know? It's not like I just go for a cruise just because I'm wanting. So Well, yeah, I've only got dogs, so I don't have children.\n\nI have two, a purebred Dachshund, and a 10 old Dachshund cost two hour. Well yeah. Yeah. We got him eight, nine weeks old. He's the devil incarnations, I think.\n\nOh, yeah. For sure. But, you know yeah. No. That's all done.\n\nNo. No. Well, I currently live with my partner, so no. No. Yes.\n\nHe does. Mhmm. Mhmm. Yes. Yes.\n\nMhmm. Yep. Sure. He's my partner. Mhmm.\n\nYeah. No. Everything's good. Just getting older and, you know, work. No.\n\nNot yet. Yeah. Brett and I were actually discussing that today. Yeah. Send it through, and we'll have a look.\n\nMhmm. Yep. Okay. Sounds good. Yes.\n\nI did. But can you just tell me, are you able to see how much is in my super account at the moment? Okay. That's awesome. Now that the amount of the super is from, obviously, my ex husband or most of it because I took most of his super, but you know?\n\nAnyway, is there if I need to not saying I need to now, but if financial difficulty becomes you know? Am I able to access any of that? Mhmm. Yeah. I've I have accessed my super couple of years twelve months ago to get my knee replaced.\n\nSo that was real you guys were really helpful with getting all the the paperwork and everything I needed for the knee replacement, so that was good. Yeah. So and, yeah. Oh, it didn't take that much out because I have private health, but it seems to be performing well that it's actually increasing. Yep.\n\nYeah. That's true. No. Not at all. Not at all.\n\nIt was the best thing I have ever done. And my surgeon, he's, I don't know if you follow football at all, but he he what team do you support? Oh, so you weren't happy on the weekend? I was extremely happy. Yeah.\n\nSo my surgeon operates on the cowboys. Well, I was in the hospital for less than twenty hours with a total knee replacement. And four hours after surgery, I was walking stairs. He's I saw him at six weeks. I wasn't meant to go back to work for six weeks, but I went back after three.\n\nI work in a pharmacy, so it's not sort of strenuous. And when I went back after six weeks, the surgeon came and saw me, and he said, oh, you're doing really well for six months. And I said, did you just say six months? And he goes, yeah. And I said, well, it's been six weeks.\n\nAnd he goes, well, you're doing amazing. So but, yeah, he didn't know that I was already back at work and driving and stuff. But at that time, I'd only just started that job, so it's not like I could take six weeks off work. Do you know what I mean? So but yeah.\n\nNo. It's the best thing I've ever done. Yeah. Well, when we went back for the sixth week, you know, follow-up, I met a guy that was going to the doctor the same time, and we were operated on the same day. And I had a a walker because that's what my surgeon wanted, and it was more for show.\n\nLike, I could walk without it. You know, it was just to make the surgeon feel good. But this other guy, he was, yeah, he was in a world of hurt, and he was really relying on the walker where I'm just pushing it just because the surgeon said I had to. So but, no, everything was good, and, yeah, glad I had it done. And the help that I got from you guys to access the super and that sort of thing to actually get it done was just amazing.\n\nSo Yep. Alrighty. Not really. No. Not really.\n\nYep. Neither Brett. Because if something was to happen to me, the money that Brett receives would be to make sure my my dogs are looked after because I don't have kids. So and he works away, so I want him to be able to stop working in the mines and be at home with the dogs if something were to happen to me. Mhmm.\n\nNo. I'm I'm pretty happy with that, and I'm sure he will be too because it'll give him a chance to quit the mines and work in town where he the dogs can be looked after and whatever. Yeah. No. I'm pretty good with that.\n\nUh-huh. Yep. Alrighty. Yeah. No.\n\nLook. I'm happy with what what's happening at the moment, but that's not to say the next time we talk, I might change my mind and Alrighty. Yeah. No. No.\n\nI'm all good. Nine. I'm at well, I would if something like that were to happen, I'd ring you and get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me and not having not me having to go, oh my god. What do I do? What do I do?\n\nI'd rather have someone who understands what's going on and what's best to achieve the goals that we've spoken about. Probably the medium to moderate. Yeah. Yep. No.\n\nMhmm. No. No. I'm pretty comfortable. Yep.\n\nSounds good. No. No. I'm pretty happy even. Like, if I think of something down the track, every time I ring, it's really easy to get some someone to talk to.\n\nWinMoto, but, you know yeah. It'd be nice, but, no, there's no other as long as, like I said, if something happens to me that Brett's able to give up work to be not give up work, but able to leave the mines to look after the the dogs because they're my family. Yeah. Yeah. Yeah.\n\nYep. Alrighty. Sounds good. No. I'm all good.\n\nI'm very, very happy with everything at the moment. So Yep. Alrighty. Thank you so much. Okay.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.029479611665010452},{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.24956749379634857},{"text":"Good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.4723294973373413},{"text":"Yourself?","start":8.08,"end":8.58,"sentiment":"neutral","sentiment_score":0.32817137241363525},{"text":"Yeah.","start":15.795,"end":16.035,"sentiment":"neutral","sentiment_score":0.1249576210975647}],"sentiment":"neutral","sentiment_score":0.24090111926198005,"num_words":5,"start":2.32,"end":16.035},{"sentences":[{"text":"Yeah.","start":16.035,"end":16.275,"sentiment":"neutral","sentiment_score":0.17293260991573334},{"text":"That's 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everyone.","start":475.495,"end":478.53,"sentiment":"negative","sentiment_score":-0.5200319945812225},{"text":"Yeah.","start":481.39,"end":481.79,"sentiment":"neutral","sentiment_score":-0.04066146537661552},{"text":"Look.","start":481.79,"end":482.27002,"sentiment":"neutral","sentiment_score":-0.1048777475953102},{"text":"I probably won't do that at this point in time, but that's not to say that I won't ever do it, if you know what I mean.","start":482.27002,"end":491.15002,"sentiment":"neutral","sentiment_score":-0.3153076395392418},{"text":"Like, until a bit more certainty comes into the world and what's going on and, you know, cost of living and whatever else, I probably won't wouldn't feel comfortable doing 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know?","start":1010.40497,"end":1025.28,"sentiment":"neutral","sentiment_score":-0.035108010796830055},{"text":"Am I able to access any of that?","start":1025.34,"end":1027.92,"sentiment":"neutral","sentiment_score":-0.04935580724850297},{"text":"Mhmm.","start":1086.41,"end":1086.91,"sentiment":"neutral","sentiment_score":0.14728140830993652},{"text":"Yeah.","start":1100.245,"end":1100.7251,"sentiment":"neutral","sentiment_score":0.06851232051849365},{"text":"I've I have accessed my super couple of years twelve months ago to get my knee replaced.","start":1100.7251,"end":1113.61,"sentiment":"neutral","sentiment_score":0.080659569843727}],"sentiment":"neutral","sentiment_score":0.010425526430790729,"num_words":47,"start":1010.40497,"end":1113.61},{"sentences":[{"text":"So that was real you guys were really helpful with getting all the the paperwork and everything I needed for the knee replacement, so that was good.","start":1115.1901,"end":1127.1749,"sentiment":"positive","sentiment_score":0.36188209884696537},{"text":"Yeah.","start":1135.52,"end":1136.02,"sentiment":"neutral","sentiment_score":0.19031110405921936},{"text":"So and, yeah.","start":1137.2,"end":1140.98,"sentiment":"neutral","sentiment_score":0.08594007293383281},{"text":"Oh, it didn't take that much out because I have private health, but it seems to be performing well that it's actually increasing.","start":1141.12,"end":1149.78,"sentiment":"neutral","sentiment_score":0.14578014555508675},{"text":"Yep.","start":1161.165,"end":1161.665,"sentiment":"neutral","sentiment_score":0.034939076751470566}],"sentiment":"neutral","sentiment_score":0.24739691665904087,"num_words":55,"start":1115.1901,"end":1161.665},{"sentences":[{"text":"Yeah.","start":1174.5499,"end":1174.87,"sentiment":"neutral","sentiment_score":0.08662489056587219},{"text":"That's true.","start":1174.87,"end":1175.69,"sentiment":"neutral","sentiment_score":0.187651127576828},{"text":"No.","start":1195.4401,"end":1195.9401,"sentiment":"neutral","sentiment_score":-0.02752472646534443},{"text":"Not at all.","start":1196.16,"end":1197.2201,"sentiment":"neutral","sentiment_score":-0.1046113669872284},{"text":"Not at all.","start":1197.76,"end":1198.9601,"sentiment":"neutral","sentiment_score":0.02510153502225876}],"sentiment":"neutral","sentiment_score":0.019587292335927486,"num_words":10,"start":1174.5499,"end":1198.9601},{"sentences":[{"text":"It was the best thing I have ever done.","start":1198.9601,"end":1202.8,"sentiment":"positive","sentiment_score":0.3552767137686412},{"text":"And my surgeon, he's, I don't know if you follow football at all, but he he what team do you support?","start":1202.8,"end":1213.305,"sentiment":"neutral","sentiment_score":0.02610009926415625},{"text":"Oh, so you weren't happy on the weekend?","start":1220.405,"end":1222.93,"sentiment":"neutral","sentiment_score":-0.09700095094740391},{"text":"I was extremely happy.","start":1225.31,"end":1227.5701,"sentiment":"neutral","sentiment_score":-0.05424271337687969},{"text":"Yeah.","start":1231.23,"end":1231.73,"sentiment":"neutral","sentiment_score":0.017749663442373276}],"sentiment":"neutral","sentiment_score":0.06442706304234128,"num_words":43,"start":1198.9601,"end":1231.73},{"sentences":[{"text":"So my surgeon operates on the cowboys.","start":1231.79,"end":1235.715,"sentiment":"neutral","sentiment_score":0.02980392426252365},{"text":"Well, I was in the hospital for less than twenty hours with a total knee replacement.","start":1241.855,"end":1249.315,"sentiment":"neutral","sentiment_score":-0.004360719351097941},{"text":"And four hours after surgery, I was walking stairs.","start":1250.76,"end":1254.7001,"sentiment":"neutral","sentiment_score":0.013150308902064959},{"text":"He's I saw him at six weeks.","start":1261.16,"end":1269.685,"sentiment":"neutral","sentiment_score":-0.015572334506681986},{"text":"I wasn't meant to go back to work for six weeks, but I went back after three.","start":1272.785,"end":1279.3999,"sentiment":"neutral","sentiment_score":-0.05788141565726084}],"sentiment":"neutral","sentiment_score":-0.014924672631812947,"num_words":56,"start":1231.79,"end":1279.3999},{"sentences":[{"text":"I work in a pharmacy, so it's not sort of strenuous.","start":1281.38,"end":1284.6,"sentiment":"neutral","sentiment_score":-0.008626131552525541},{"text":"And when I went back after six weeks, the surgeon came and saw me, and he said, oh, you're doing really well for six months.","start":1287.62,"end":1297.1549,"sentiment":"neutral","sentiment_score":0.07275211498141289},{"text":"And I said, did you just say six months?","start":1297.1549,"end":1299.875,"sentiment":"neutral","sentiment_score":0.030012100314100582},{"text":"And he goes, yeah.","start":1299.875,"end":1300.6749,"sentiment":"neutral","sentiment_score":0.04576826374977827},{"text":"And I said, well, it's been six weeks.","start":1300.6749,"end":1302.355,"sentiment":"neutral","sentiment_score":0.06815234618261456}],"sentiment":"neutral","sentiment_score":0.04775993253937677,"num_words":57,"start":1281.38,"end":1302.355},{"sentences":[{"text":"And he goes, well, you're doing amazing.","start":1302.355,"end":1304.375,"sentiment":"neutral","sentiment_score":0.33042061754635405},{"text":"So but, yeah, he didn't know that I was already back at work and driving and stuff.","start":1306.11,"end":1311.65,"sentiment":"neutral","sentiment_score":0.00013510981465087216},{"text":"But at that time, I'd only just started that job, so it's not like I could take six weeks off work.","start":1312.67,"end":1319.0701,"sentiment":"neutral","sentiment_score":-0.047406827055272605},{"text":"Do you know what I mean?","start":1319.0701,"end":1320.195,"sentiment":"neutral","sentiment_score":-0.019245437812060118},{"text":"So but yeah.","start":1322.6749,"end":1323.3949,"sentiment":"neutral","sentiment_score":0.024295624966422718}],"sentiment":"neutral","sentiment_score":0.023650223509994923,"num_words":54,"start":1302.355,"end":1323.3949},{"sentences":[{"text":"No.","start":1323.3949,"end":1323.8949,"sentiment":"neutral","sentiment_score":0.05805085599422455},{"text":"It's the best thing I've ever done.","start":1324.355,"end":1326.375,"sentiment":"neutral","sentiment_score":0.29307345833097187},{"text":"Yeah.","start":1345.5199,"end":1346.0,"sentiment":"neutral","sentiment_score":0.07358777523040771},{"text":"Well, when we went back for the sixth week, you know, follow-up, I met a guy that was going to the doctor the same time, and we were operated on the same day.","start":1346.0,"end":1363.255,"sentiment":"neutral","sentiment_score":0.031960857439447536},{"text":"And I had a a walker because that's what my surgeon wanted, and it was more for show.","start":1364.8799,"end":1372.82,"sentiment":"neutral","sentiment_score":0.0821709173421065}],"sentiment":"neutral","sentiment_score":0.07861562745335202,"num_words":60,"start":1323.3949,"end":1372.82},{"sentences":[{"text":"Like, I could walk without it.","start":1374.1599,"end":1376.1799,"sentiment":"neutral","sentiment_score":0.15694193914532661},{"text":"You know, it was just to make the surgeon feel good.","start":1376.8799,"end":1380.745,"sentiment":"neutral","sentiment_score":0.21253259750929746},{"text":"But this other guy, he was, yeah, he was in a world of hurt, and he was really relying on the walker where I'm just pushing it just because the surgeon said I had to.","start":1382.325,"end":1395.75,"sentiment":"neutral","sentiment_score":-0.22750781391348157},{"text":"So but, no, everything was good, and, yeah, glad I had it done.","start":1398.4501,"end":1402.77,"sentiment":"positive","sentiment_score":0.45261706984960115},{"text":"And the help that I got from you guys to access the super and that sort of thing to actually get it done was just amazing.","start":1402.77,"end":1412.645,"sentiment":"positive","sentiment_score":0.37165127522670305}],"sentiment":"neutral","sentiment_score":0.11938122840045573,"num_words":91,"start":1374.1599,"end":1412.645},{"sentences":[{"text":"So Yep.","start":1412.705,"end":1423.12,"sentiment":"neutral","sentiment_score":0.32299721986055374},{"text":"Alrighty.","start":1423.3401,"end":1423.8401,"sentiment":"neutral","sentiment_score":0.3310289680957794},{"text":"Not really.","start":1445.2151,"end":1446.115,"sentiment":"neutral","sentiment_score":-0.04356907121837139},{"text":"No.","start":1446.655,"end":1447.135,"sentiment":"neutral","sentiment_score":-0.09854741394519806},{"text":"Not really.","start":1447.135,"end":1447.875,"sentiment":"neutral","sentiment_score":-0.09558678045868874}],"sentiment":"neutral","sentiment_score":0.07502053631469607,"num_words":8,"start":1412.705,"end":1447.875},{"sentences":[{"text":"Yep.","start":1468.125,"end":1468.625,"sentiment":"neutral","sentiment_score":0.012994911521673204},{"text":"Neither Brett.","start":1483.72,"end":1485.18,"sentiment":"neutral","sentiment_score":-0.11316660046577454},{"text":"Because if something was to happen to me, the money that Brett receives would be to make sure my my dogs are looked after because I don't have kids.","start":1485.3201,"end":1499.0349,"sentiment":"neutral","sentiment_score":-0.06019319330566916},{"text":"So and he works away, so I want him to be able to stop working in the mines and be at home with the dogs if something were to happen to me.","start":1499.095,"end":1512.72,"sentiment":"neutral","sentiment_score":-0.028927983425091952},{"text":"Mhmm.","start":1525.8049,"end":1526.3049,"sentiment":"neutral","sentiment_score":0.20600128173828125}],"sentiment":"neutral","sentiment_score":-0.041209770509829886,"num_words":65,"start":1468.125,"end":1526.3049},{"sentences":[{"text":"No.","start":1533.15,"end":1533.65,"sentiment":"neutral","sentiment_score":-0.03809664398431778},{"text":"I'm I'm pretty happy with that, and I'm sure he will be too because it'll give him a chance to quit the mines and work in town where he the dogs can be looked after and whatever.","start":1533.71,"end":1549.805,"sentiment":"neutral","sentiment_score":0.1952949205564486},{"text":"Yeah.","start":1574.385,"end":1574.545,"sentiment":"neutral","sentiment_score":-0.024799803271889687},{"text":"No.","start":1574.545,"end":1574.865,"sentiment":"neutral","sentiment_score":-0.14253270626068115},{"text":"I'm pretty good with that.","start":1574.865,"end":1576.405,"sentiment":"neutral","sentiment_score":0.1278006464242935}],"sentiment":"neutral","sentiment_score":0.1702108030931817,"num_words":45,"start":1533.15,"end":1576.405},{"sentences":[{"text":"Uh-huh.","start":1587.49,"end":1587.99,"sentiment":"neutral","sentiment_score":-0.0026970505714416504},{"text":"Yep.","start":1606.155,"end":1606.655,"sentiment":"neutral","sentiment_score":0.06276186555624008},{"text":"Alrighty.","start":1606.7151,"end":1607.2151,"sentiment":"neutral","sentiment_score":0.15872345864772797},{"text":"Yeah.","start":1627.105,"end":1627.4249,"sentiment":"neutral","sentiment_score":0.011906478554010391},{"text":"No.","start":1627.4249,"end":1627.9049,"sentiment":"neutral","sentiment_score":-0.0380510576069355}],"sentiment":"neutral","sentiment_score":0.038528738915920256,"num_words":5,"start":1587.49,"end":1627.9049},{"sentences":[{"text":"Look.","start":1627.9049,"end":1628.225,"sentiment":"neutral","sentiment_score":0.03492344543337822},{"text":"I'm happy with what what's happening at the moment, but that's not to say the next time we talk, I might change my mind and Alrighty.","start":1628.225,"end":1658.595,"sentiment":"neutral","sentiment_score":0.10152909904718399},{"text":"Yeah.","start":1689.615,"end":1690.095,"sentiment":"neutral","sentiment_score":-0.004031756892800331},{"text":"No.","start":1690.095,"end":1690.595,"sentiment":"neutral","sentiment_score":-0.08358822762966156},{"text":"No.","start":1690.655,"end":1691.155,"sentiment":"neutral","sentiment_score":-0.14137867093086243}],"sentiment":"neutral","sentiment_score":0.08152271217356126,"num_words":30,"start":1627.9049,"end":1691.155},{"sentences":[{"text":"I'm all good.","start":1691.375,"end":1692.4349,"sentiment":"neutral","sentiment_score":0.0016196047266324339},{"text":"Nine.","start":1712.9349,"end":1713.4349,"sentiment":"neutral","sentiment_score":-0.005905705038458109},{"text":"I'm at well, I would if something like that were to happen, I'd ring you and get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me and not having not me having to go, oh my god.","start":1746.5349,"end":1768.725,"sentiment":"neutral","sentiment_score":0.08673323090096899},{"text":"What do I do?","start":1768.725,"end":1769.365,"sentiment":"neutral","sentiment_score":-0.06946069840341806},{"text":"What do I do?","start":1769.365,"end":1770.2649,"sentiment":"neutral","sentiment_score":-0.033662015572190285}],"sentiment":"neutral","sentiment_score":0.06364852427283213,"num_words":63,"start":1691.375,"end":1770.2649},{"sentences":[{"text":"I'd rather have someone who understands what's going on and what's best to achieve the goals that we've spoken about.","start":1770.885,"end":1779.0,"sentiment":"neutral","sentiment_score":0.08688594978302717},{"text":"Probably the medium to moderate.","start":1804.3099,"end":1806.25,"sentiment":"neutral","sentiment_score":-0.001786266639828682},{"text":"Yeah.","start":1815.99,"end":1816.49,"sentiment":"neutral","sentiment_score":0.045236267149448395},{"text":"Yep.","start":1816.71,"end":1817.21,"sentiment":"neutral","sentiment_score":0.0535312294960022},{"text":"No.","start":1828.395,"end":1828.895,"sentiment":"neutral","sentiment_score":-0.03838585689663887}],"sentiment":"neutral","sentiment_score":0.0638989036503647,"num_words":28,"start":1770.885,"end":1828.895},{"sentences":[{"text":"Mhmm.","start":1854.295,"end":1854.795,"sentiment":"neutral","sentiment_score":0.044126756489276886},{"text":"No.","start":1882.5549,"end":1882.715,"sentiment":"neutral","sentiment_score":-0.15519215166568756},{"text":"No.","start":1882.715,"end":1883.0349,"sentiment":"neutral","sentiment_score":-0.14222225546836853},{"text":"I'm pretty comfortable.","start":1883.0349,"end":1884.095,"sentiment":"neutral","sentiment_score":-0.16681443651517233},{"text":"Yep.","start":1934.355,"end":1934.755,"sentiment":"neutral","sentiment_score":0.2268170714378357}],"sentiment":"neutral","sentiment_score":-0.07527341267892293,"num_words":7,"start":1854.295,"end":1934.755},{"sentences":[{"text":"Sounds good.","start":1934.755,"end":1935.655,"sentiment":"positive","sentiment_score":0.49739448726177216},{"text":"No.","start":1945.08,"end":1945.24,"sentiment":"neutral","sentiment_score":-0.1930866688489914},{"text":"No.","start":1945.24,"end":1945.64,"sentiment":"neutral","sentiment_score":-0.23935602605342865},{"text":"I'm pretty happy even.","start":1945.64,"end":1947.5,"sentiment":"neutral","sentiment_score":-0.3287862315773964},{"text":"Like, if I think of something down the track, every time I ring, it's really easy to get some someone to talk to.","start":1947.64,"end":1958.7,"sentiment":"neutral","sentiment_score":0.09774755443567815}],"sentiment":"neutral","sentiment_score":0.048238551784907616,"num_words":31,"start":1934.755,"end":1958.7},{"sentences":[{"text":"WinMoto, but, you know yeah.","start":1971.785,"end":1974.86,"sentiment":"neutral","sentiment_score":0.07773506939411164},{"text":"It'd be nice, but, no, there's no other as long as, like I said, if something happens to me that Brett's able to give up work to be not give up work, but able to leave the mines to look after the the dogs because they're my family.","start":1975.9601,"end":1996.4851,"sentiment":"neutral","sentiment_score":0.002729740304251512},{"text":"Yeah.","start":2018.965,"end":2019.465,"sentiment":"neutral","sentiment_score":0.00684635154902935},{"text":"Yeah.","start":2032.9501,"end":2033.1901,"sentiment":"neutral","sentiment_score":0.02321256324648857},{"text":"Yeah.","start":2033.1901,"end":2033.6901,"sentiment":"neutral","sentiment_score":0.044464558362960815}],"sentiment":"neutral","sentiment_score":0.010611184905948383,"num_words":56,"start":1971.785,"end":2033.6901},{"sentences":[{"text":"Yep.","start":2047.505,"end":2048.005,"sentiment":"neutral","sentiment_score":0.23334696888923645},{"text":"Alrighty.","start":2054.44,"end":2054.94,"sentiment":"neutral","sentiment_score":0.17210331559181213},{"text":"Sounds good.","start":2055.24,"end":2056.22,"sentiment":"neutral","sentiment_score":0.24165078997612},{"text":"No.","start":2070.6548,"end":2070.9749,"sentiment":"negative","sentiment_score":-0.35609742999076843},{"text":"I'm all good.","start":2070.9749,"end":2071.775,"sentiment":"neutral","sentiment_score":-0.2533269872268041}],"sentiment":"neutral","sentiment_score":-0.028415815904736522,"num_words":8,"start":2047.505,"end":2071.775},{"sentences":[{"text":"I'm very, very happy with everything at the moment.","start":2071.775,"end":2075.1548,"sentiment":"neutral","sentiment_score":0.15984132885932922},{"text":"So Yep.","start":2075.2148,"end":2083.2349,"sentiment":"positive","sentiment_score":0.4130048230290413},{"text":"Alrighty.","start":2086.8901,"end":2087.3901,"sentiment":"positive","sentiment_score":0.3697510957717895},{"text":"Thank you so much.","start":2087.61,"end":2088.83,"sentiment":"positive","sentiment_score":0.7779274433851242},{"text":"Okay.","start":2090.97,"end":2091.47,"sentiment":"positive","sentiment_score":0.4780973196029663}],"sentiment":"positive","sentiment_score":0.3661258702768999,"num_words":17,"start":2071.775,"end":2091.47},{"sentences":[{"text":"You too.","start":2092.09,"end":2092.73,"sentiment":"neutral","sentiment_score":0.27200599014759064},{"text":"Bye.","start":2092.73,"end":2093.23,"sentiment":"neutral","sentiment_score":0.18337500095367432}],"sentiment":"neutral","sentiment_score":0.24246232708295187,"num_words":3,"start":2092.09,"end":2093.23}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Deborah. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual review now. Is now still a good time there for you?\n\nYep.\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Beautiful. And how's your day been so far?\n\nChannel 1: Busy.\n\nChannel 0: Yep. Well, I try not to take up too much of your time. We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Per perfect. Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you as well, we do we are discussing your personal information. I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Okay. Deborah Louise Rupp. Twenty third\n\nChannel 0: Yeah.\n\nChannel 1: of June 1975, and 57 Beals Road, Jensen, Queensland.\n\nChannel 0: Perfect. Thank you so much for that. And you've got today off. That's lovely. Do you have all Mondays off, or is it just a one off for today?\n\nChannel 1: No. Every second Monday.\n\nChannel 0: Oh, fantastic. I'll make a note of that for you. That way, again, we're not sort of calling you in and out of work hours. We can always try to get you every second Monday to make it easier on you for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That'd be great.\n\nChannel 0: Excellent. As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you?\n\nChannel 1: No. No. I don't think so.\n\nChannel 0: No. That's okay. Not a problem at all. And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser? Is there anything particularly you were sort of hoping to get out of having us here?\n\nChannel 1: Well, at that time, I was going through divorce, and my life was in a shambles because,\n\nChannel 0: Yeah.\n\nChannel 1: you know\n\nChannel 0: Yeah.\n\nChannel 1: but everything's flattening out, and I feel on the right track at the moment.\n\nChannel 0: Oh, good. That's really good to hear. Well, I'll definitely make sure we keep you on track. Moving forward, I know last year was a little bit all over the place with changes and everything. But moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year?\n\nWhat would be preferable for you?\n\nChannel 1: Month every three months. Yeah.\n\nChannel 0: Three months? Yeah. Beautiful. I'm going through and updating all of my clients. I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you.\n\nOkay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Beautiful. Now I just want to run through. I know you had received a bit of an email from us over the past couple of weeks. There was a record of advice noting some changes to come to your portfolio.\n\nDo you remember reading that email at all?\n\nChannel 1: I do vaguely.\n\nChannel 0: Yep. That's okay. Just to give you a bit of a breakdown, essentially, one of your underlying so sorry. One of your underlying investments been along Australian equities has actually been underperforming for the last few months there. So as a business, we decided to remove that out of everyone's portfolio.\n\nSo that record of advice\n\nChannel 1: Mhmm.\n\nChannel 0: is letting you know of that change to happen. It hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you. Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200. So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market. And many and managed funds can be a little bit more expensive to hold.\n\nWith the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX. One of the good things about this sort of investment is that it follows an industry as a or an index of the top 200 companies. So when a company no longer meets the requirement or the eligibility to be part of that top 200, they are moved out of the index. So then they're moved out of the a 200 as well. So that means you're always tracking the top 200 companies regardless of what else is happening there, which is great.\n\nAnd the a 200 investment is also cheaper than Benelung, so you're actually saving in investment fees there as well. So it's bit bit of a a benefit for you on all sorts of areas. It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you. But we do wanna make sure this investment is working better for you than Bennelong had in the past. Does that make sense?\n\nAnd do you have any other questions there at all in relation to that?\n\nChannel 1: No. No. That's fine.\n\nChannel 0: Perfect. Well, we'll keep monitoring and looking that for you. But we are just going back to the investment committee now as well, letting them know that they need to complete that change for you. So I'll make sure that happens, and if there's anything additional we need to come back and talk about with regards to the investments there, we definitely will. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age. I'm having a look at your file at the moment. I believe we had it noted down. It was sorry.\n\nI actually don't have an age here. I do apologize. But looking at things at the moment, you're 51 this year.\n\nChannel 1: Yes.\n\nChannel 0: Yes. What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you think?\n\nChannel 1: Probably 65.\n\nChannel 0: Yeah. Perfect. 65? Not a problem at all. I'll look at that for you and pop that in here.\n\nAnd have you thought about what kind of income you might like to be drawing down in those retirement years, or you're not real sure as of yet?\n\nChannel 1: No. I'm not sure as of yet. Yeah. No.\n\nChannel 0: No. That's okay. That's not a problem. You're only 51. You've got a bit of time ahead of you still.\n\nWe can always come back to that down the track. Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: The having a look at the rest of your details here, has there been any changes with regard to your work? Have you had a bit of pay rise or a change in role or employer over the last couple of months at all? Or\n\nChannel 1: No. No. Still\n\nChannel 0: no?\n\nChannel 1: in pharmacy.\n\nChannel 0: Yep. Beautiful. Our income here I had down was about 60,000. Have you got a pay rise yet?\n\nChannel 1: I don't know.\n\nChannel 0: Not sure? Not significant\n\nChannel 1: No.\n\nChannel 0: enough to notice?\n\nChannel 1: No. No.\n\nChannel 0: Uh-oh. Well, hopefully, you have something coming. You're definitely worth a lot more money. That's for sure.\n\nChannel 1: That'd\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: All good. Contributions wise, I can only see your employer contributions going in. There's nothing here to show\n\nChannel 1: nice.\n\nChannel 0: me that you're making any additional contributions.\n\nChannel 1: No.\n\nChannel 0: Are you\n\nChannel 1: I\n\nChannel 0: open\n\nChannel 1: haven't\n\nChannel 0: to\n\nChannel 1: been.\n\nChannel 0: doing that? No. That's okay.\n\nChannel 1: How would that work? Like, how would I do that?\n\nChannel 0: So we've got a couple of ways of doing it. We can always look at it as a salary sacrifice contribution where you we basically just tell your employer how much you want to contribute. We provide a letter to you which you give to your employer, and they start making that additional contribution out of your pretax income. There's\n\nChannel 1: Uh-huh.\n\nChannel 0: another way where if you've got a bit of extra cash at the end of the week, you could be making a regular after tax contribution direct from your bank account. You can pay it in or make it as an EDS transfer. And at the end of the financial year, we can claim what's called a notice of intent against that one. That changes the contribution type, and you can also claim that sort of contribution back on your tax as well as a bit more of a deduction. So\n\nChannel 1: Mhmm.\n\nChannel 0: yeah. How does your extended sort of look at the moment? Because that can sort of have an effect as to whether we make additional contributions. How are you finding everything, the cost of living at the moment?\n\nChannel 1: Well, I mean, it's shit, but it's shit for everyone.\n\nChannel 0: It is. Yeah. Absolutely.\n\nChannel 1: Yeah. Look. I probably won't do that at this point in time,\n\nChannel 0: Yep.\n\nChannel 1: but that's\n\nChannel 0: Yep.\n\nChannel 1: not to say that I won't\n\nChannel 0: Yeah.\n\nChannel 1: ever do it, if you know what I mean. Like, until\n\nChannel 0: Absolutely.\n\nChannel 1: a bit more certainty comes into\n\nChannel 0: Yeah.\n\nChannel 1: the world\n\nChannel 0: Yep.\n\nChannel 1: and what's going on and, you know, cost of living and whatever else, I\n\nChannel 0: Yep.\n\nChannel 1: probably won't wouldn't feel comfortable doing that.\n\nChannel 0: Yeah. That's absolutely okay. Yeah.\n\nChannel 1: Yeah. But like I said, in the future, we can discuss\n\nChannel 0: Alright.\n\nChannel 1: it again\n\nChannel 0: Yeah. Yeah. Not\n\nChannel 1: and\n\nChannel 0: a\n\nChannel 1: go\n\nChannel 0: problem.\n\nChannel 1: from\n\nChannel 0: I'll\n\nChannel 1: there.\n\nChannel 0: pop absolutely. I'll pop that one on the back burner there for you when we do catch ups and reviews moving forward. I'll keep bringing it up, and you can let me know when and if you are ready to do so. We\n\nChannel 1: Yep.\n\nChannel 0: can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Lovely. Excellent. So other assets, just double checking. I've got only two assets noted here.\n\nOne is your car. What kind of car do you drive?\n\nChannel 1: Mazda two twenty sixteen.\n\nChannel 0: Beautiful. Lovely. Good on fuel?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: That's good. Is it\n\nChannel 1: But\n\nChannel 0: still\n\nChannel 1: it\n\nChannel 0: good on fuel is the question as well.\n\nChannel 1: well, I don't\n\nChannel 0: Yeah.\n\nChannel 1: really drive, Like, I don't drive unnecessarily unless it's\n\nChannel 0: Yeah.\n\nChannel 1: to go to work or to\n\nChannel 0: Yeah.\n\nChannel 1: you know?\n\nChannel 0: Yeah. Go to work.\n\nChannel 1: It's not like I just go for a cruise just because I'm wanting.\n\nChannel 0: Perfect. No. Understandable.\n\nChannel 1: So\n\nChannel 0: Are you? Yeah. No. Lovely. So you're pretty good on fuel most of the time anyway.\n\nI just sort of noticed that the fuel price is going up. I'm not sure what they're like around your area, but they're pretty hefty around here on the Gold Coast. So, yeah, we are trying to limit our driving as well, but I've unfortunately got young kids, so it it requires chauffeuring them around still. So it does make it a little bit harder.\n\nChannel 1: Well, yeah, I've only got dogs, so I don't\n\nChannel 0: Yep.\n\nChannel 1: have children.\n\nChannel 0: No. It's just as expensive, though. How many dogs do you have?\n\nChannel 1: I have two, a purebred Dachshund,\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Beautiful.\n\nChannel 1: a 10 old Dachshund cost two hour.\n\nChannel 0: Wow. So beautiful. How how old\n\nChannel 1: Well\n\nChannel 0: have you had your 10 for? Did you get it sort of brand new?\n\nChannel 1: yeah. Yeah. We got\n\nChannel 0: Yeah.\n\nChannel 1: him eight, nine weeks old.\n\nChannel 0: Wow.\n\nChannel 1: He's the devil incarnations, I think.\n\nChannel 0: Oh, he's giving you a run for his money.\n\nChannel 1: Oh, yeah. For sure. But, you know\n\nChannel 0: Yeah. Oh,\n\nChannel 1: yeah.\n\nChannel 0: no. That's that's so beautiful. I love that. It's gorgeous. Other assets now the other thing I had noted here was not so much an asset.\n\nIt's more of a a liability, but it's your personal loans and credit cards. And we had a total owing of about 60,000. Do you still sort of owe that amount?\n\nChannel 1: No. That's all done.\n\nChannel 0: Oh, perfect. Completely cleared out. Fantastic. Is there any other assets that you'd note down at all? Any other cars, boats, caravans, or collections\n\nChannel 1: No.\n\nChannel 0: or anything of value? No. That's okay. Another good one I do like to try and note down is contents. Do you have contents insurance?\n\nChannel 1: No. Well, I currently live with my partner, so no.\n\nChannel 0: Okay. No. Perfect. And are you paying him\n\nChannel 1: No.\n\nChannel 0: rent at all? Or nope. That's okay. So no completely rent free. Love that.\n\nBeautiful. And do they own their own home? Or\n\nChannel 1: Yes. He does.\n\nChannel 0: yeah. Beautiful. Fantastic. Lovely. Thank you for that.\n\nWell, if there is any other changes, we'll definitely make sure we keep updated with you and and have those altered. It's not a problem at all. All good.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the other thing to sort of have a chat about is the estate planning side of things. So I'm having a look at your super fund here, and I can see you've got your beneficiary nominated here as Brett Charles Day. Is that still how you want that beneficiary nominated? Is that\n\nChannel 1: Mhmm.\n\nChannel 0: correct?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Okay. So that's correct. We'll keep it as it is. One of the good things about your beneficiary nomination you have is that it is binding nonlapsing.\n\nThat essentially means that so long as the nomination is valid, which it looks like it is, the trustee is bound to follow the direction you've made. And non lapsing means you don't have to recomplete that form every couple of years, which is a benefit to you. The downside is that if anything changes and you wanted to alter or change that beneficiary, we need to make sure we, you know, follow-up and\n\nChannel 1: Mhmm.\n\nChannel 0: check it with you every year and update. So we will go through each each time we talk and just make sure that's still appropriate. And when and if you decide you wanna have that changed, you just let us know. We'll help you out with that. Okay?\n\nChannel 1: Yep. Sure.\n\nChannel 0: So you're beautiful. One thing it does say on here, I've got down here that I've got Brett's details, but I don't have an inkling as to who he is. So you can I have to ask him? So sorry. Is he what relationship is he to you?\n\nChannel 1: He's my partner.\n\nChannel 0: Beautiful. Stuffed. Lovely. Just so I note that down correctly for you. Thank you so much for that.\n\nLovely. And everything's going really well for you both at the moment?\n\nChannel 1: Mhmm. Yeah. No. Everything's good.\n\nChannel 0: Beautiful.\n\nChannel 1: Just\n\nChannel 0: That's really\n\nChannel 1: getting\n\nChannel 0: good to\n\nChannel 1: older\n\nChannel 0: hear.\n\nChannel 1: and, you know,\n\nChannel 0: Yes.\n\nChannel 1: work.\n\nChannel 0: Yes. Yes. Yes. Absolutely. Have you also completed or done up a will since you last were married or since you got divorced?\n\nHave you had an updated will and power of attorney and things like that put in place?\n\nChannel 1: No. Not yet.\n\nChannel 0: No. No. That's okay. It's something that's on your mind that you have sort of thought about doing?\n\nChannel 1: Yeah. Brett and I were actually discussing that today.\n\nChannel 0: Oh, fantastic. That's really good. Well, if you are open to, we can do have a solicitor that we can refer you through to. Would you like us to maybe send through an email that gives you a bit of a rundown on them and the costing of how much it costs to do up a will and or power of attorney just to kind of help the conversation along a little bit? There's no obligation to use them in any way.\n\nIt's just more of a reference point, for you to have that conversation, talk about what you're after and what you want, and and look at the, you know, expected cost of doing so.\n\nChannel 1: Yeah. Send it through, and we'll have a look.\n\nChannel 0: Yep. Yep. Beautiful. Not a problem at all. I will organize that email for you this afternoon after the call.\n\nFantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And that'll include sort of power of attorney information because this is really important, you know, having your will done up correctly, having your power of attorney, having someone you you trust that can make those decisions for you. But one of the things I have speak a lot about with my with my, you know, clients is making sure that not only that you've got someone nominated, but you have the conversation with them around what you want them to do, how you want them to react is really important as well. I find a lot of people have a power of attorney in place, and then it becomes news to the attorney. They go, I don't even know what I'm supposed to do.\n\nSo just having a conversation. It's not an easy conversation. It can be really difficult to have, but it is really important to talk to your attorney. Let them know what you want to happen, how you want them to act in certain instances, or if there's some a a set direction that you want them to follow for you. Okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. But we'll get that email through. If you do find you have any additional questions, you're more than welcome to let us know. Okay.\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. I've got your insurance here in front of me. So at the moment within Netwealth there, I know you've already seen the annual review pack, and you've kind of signed all the documents there. Did you happen to have a bit of a look through the documents as well, look for the reports and balances and things like that?\n\nChannel 1: Yes. I did. But\n\nChannel 0: Mhmm.\n\nChannel 1: can you just tell me, are you able to see how much is in my super account at the moment?\n\nChannel 0: Absolutely. So the next thing I was gonna let you know is the updated balances. So on your annual review pack there, you had about $286,003.69. As of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good.\n\nChannel 1: Okay. That's awesome.\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: Now that the amount of the super is\n\nChannel 0: Yes.\n\nChannel 1: from, obviously, my ex husband or most of it\n\nChannel 0: Yep.\n\nChannel 1: because I took most of his super, but you know? Anyway, is there if I need to not saying I need to now,\n\nChannel 0: Mhmm.\n\nChannel 1: but if financial difficulty becomes you know? Am I able to access any of that?\n\nChannel 0: You they do have hard hardship provisions, and that is completely plausible with the safety that you do have here. It's not a problem at all. There are conditions for hardship, though. So in order to be claim financial hardship, you do have to be on Centrelink for twenty six weeks because one of the requirements is they request what's called the case the q two thirty letter, and that's only provided by Centrelink. So if you are in hardship, you've just gotta show that you've been on Centrelink for about twenty six weeks and provide that letter.\n\nBut your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds. There is a bit of a process to go through for claiming. Like, they wanna see bank statements and show that you don't have any additional income coming in anywhere else and that, you know, you are have been on settling and that life is a little bit hard, and the Superfund does that assessment. But if you ever wanna look at claiming that or if you are struggling, please let us know. We are happy to, you know, help you along.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: on the other side, if you can't claim hardship through Super, you don't quite meet those requirements, we could also look at doing some cash flow and budgeting advice with you as well as part of our job here, and we could always help you along that that side of things as well. Okay?\n\nChannel 1: Yeah. I've\n\nChannel 0: Yeah.\n\nChannel 1: I have accessed my super couple of years twelve months ago\n\nChannel 0: Yep.\n\nChannel 1: to get my knee replaced.\n\nChannel 0: Yep.\n\nChannel 1: So that was real you guys were really helpful with getting all the the paperwork and everything I needed for the knee replacement, so that\n\nChannel 0: For\n\nChannel 1: was\n\nChannel 0: the\n\nChannel 1: good.\n\nChannel 0: claim. Oh, that's really good to hear. I'm glad you had a great experience there. I can see the benefit payment here that was made out to you then as well. Yeah.\n\nPerfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So and, yeah. Oh, it didn't take that much out because I have private health, but\n\nChannel 0: Yeah.\n\nChannel 1: it seems to be performing well that it's actually increasing.\n\nChannel 0: Yes. Yeah. And that's really good. I mean, this year, we have with the fact that Benelon's been underperforming, and we have seen a bit of volatility in the market with what's happening there globally at the moment.\n\nChannel 1: Yep.\n\nChannel 0: But, you know, you've mentioned you don't wanna retire to the age of 65, so you've got a bit of time. You've got longer than ten years ahead of you to be able to stay invested and wait out what's happening currently before you're accessing your super there. So\n\nChannel 1: Yeah. That's\n\nChannel 0: it\n\nChannel 1: true.\n\nChannel 0: is good. Yeah. Beautiful. I'm also just having a quick look to see the portfolio you're in. I've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there.\n\nBut how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything?\n\nChannel 1: No.\n\nChannel 0: How's that been?\n\nChannel 1: Not at all. Not\n\nChannel 0: Oh, good.\n\nChannel 1: at all. It was the best thing I have ever done. And my surgeon, he's, I don't know if you follow football at all, but\n\nChannel 0: I do.\n\nChannel 1: he he what team do you support?\n\nChannel 0: Me? I know this guy's a bit controversial, but I'm a NRL supporter, and I support the storm.\n\nChannel 1: Oh, so you weren't happy on the weekend?\n\nChannel 0: No. No. Not at all.\n\nChannel 1: I was extremely happy.\n\nChannel 0: I bet you were.\n\nChannel 1: Yeah. So my surgeon operates on the cowboys.\n\nChannel 0: Oh, wow. That is fantastic. You had a good surgeon.\n\nChannel 1: Well, I was in the hospital for less than twenty hours with a total knee replacement.\n\nChannel 0: Wow.\n\nChannel 1: And four hours after surgery, I was walking stairs.\n\nChannel 0: Really? That's fantastic. And did\n\nChannel 1: He's\n\nChannel 0: they have, like, much in the way of follow-up for you? Did you have to go back a few times and\n\nChannel 1: I saw him at six weeks.\n\nChannel 0: mhmm.\n\nChannel 1: I wasn't meant to go back to work for six weeks, but I went back after three.\n\nChannel 0: Yep.\n\nChannel 1: I work in a pharmacy, so it's not sort of strenuous. And when I went back after six weeks, the surgeon came and saw me, and he said, oh, you're doing really well for six months. And I said, did you just say six months? And he goes, yeah. And I said, well,\n\nChannel 0: Wow.\n\nChannel 1: it's been six weeks. And he goes, well,\n\nChannel 0: Wow.\n\nChannel 1: you're doing amazing.\n\nChannel 0: That is fantastic.\n\nChannel 1: So but, yeah, he didn't know that I was already back at work and driving\n\nChannel 0: Yep.\n\nChannel 1: and stuff. But\n\nChannel 0: Wow.\n\nChannel 1: at that time, I'd only just started that job, so it's not like I could take six weeks off work. Do you know what I mean?\n\nChannel 0: No. Of course. Yeah. Definitely.\n\nChannel 1: So but\n\nChannel 0: Wow.\n\nChannel 1: yeah. No. It's the best thing I've ever done.\n\nChannel 0: Oh, that's fantastic. That's good. And I'm glad you've had not much pain because one of the things I do here when a lot of people have, like, knee replacements and knee surgery is the ongoing effect, and a lot of people still end up with a lot of pain and discomfort long term. So it's really good that you're not having any of that. You've basically got your quality of life back to normal.\n\nChannel 1: Yeah. Well, when we went back for the sixth week, you know, follow-up,\n\nChannel 0: Yeah.\n\nChannel 1: I met a guy that was going to the doctor the same time, and\n\nChannel 0: Yep.\n\nChannel 1: we were operated on the same day.\n\nChannel 0: Wow.\n\nChannel 1: And I had a a walker because that's\n\nChannel 0: Yep.\n\nChannel 1: what my surgeon wanted, and it was more for show.\n\nChannel 0: Yeah. Right.\n\nChannel 1: Like, I could walk without it. You know, it was just to make the surgeon feel good.\n\nChannel 0: Yep.\n\nChannel 1: But this other guy, he was, yeah, he was in a world of hurt, and he was really relying on the walker where I'm just pushing it just because the surgeon said I had to.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So but, no, everything was good, and, yeah, glad I had it done. And the help that I got from you guys to access the super and that sort of thing to actually get it done was just\n\nChannel 0: Yes.\n\nChannel 1: amazing. So\n\nChannel 0: Oh, that's really good. Really glad to hear. Well, I definitely hope we can continue to provide that good service to you and make sure we're helping you along with those goals there. Okay.\n\nChannel 1: Yep. Alrighty.\n\nChannel 0: Beautiful. All good. Deborah, the last thing I kinda wanted to touch base on is the insurances. Now the only kind of cover you have at the moment is your life cover there with the MLC. You don't have any TBD income protection or any additional trauma cover.\n\nHas anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any\n\nChannel 1: Not\n\nChannel 0: of them?\n\nChannel 1: really. No. Not\n\nChannel 0: No.\n\nChannel 1: really.\n\nChannel 0: That's alright. That's okay. So I'll start with the life. The life cover you have currently of some insured there of 336,208. In the event of passing away, your life benefit can be paid out to your beneficiary, but then also your super gets paid out on top of that as well.\n\nSo you've got a good benefit there. Bit\n\nChannel 1: Yep.\n\nChannel 0: over almost bit over $600,000 there, which could be paid out to your beneficiaries. I can't quite see. I've been trying to look to see who the beneficiary was on your last cover. I can't see if that's been changed. But did you want that to be Brett as well, or did you want that to be somebody else?\n\nChannel 1: Neither Brett. Because\n\nChannel 0: Right.\n\nChannel 1: if something was to happen to me,\n\nChannel 0: Yep.\n\nChannel 1: the money that Brett receives would be to make sure my my dogs are looked after because I don't have kids. So\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: No. That's\n\nChannel 1: he works\n\nChannel 0: beautiful.\n\nChannel 1: away, so I want him to be able to stop working in the mines and be at home with the dogs if something\n\nChannel 0: Yep.\n\nChannel 1: were to happen to me.\n\nChannel 0: Yeah. Beautiful. Beautiful. Well, the amount of benefit based on the current amounts I have here would give him approximately $622,005.77 as your spouse can receive that essentially tax free. Are you comfortable\n\nChannel 1: Mhmm.\n\nChannel 0: you're happy with that level of cover that he may receive between your super and your life insurances? Are you wanting to reassess those amounts at all?\n\nChannel 1: No. I'm I'm pretty happy with that, and I'm sure\n\nChannel 0: Yep.\n\nChannel 1: he will be too because it'll give him a chance to quit the mines and work in town where he the dogs can be\n\nChannel 0: Yep.\n\nChannel 1: looked after and whatever.\n\nChannel 0: Yeah. Beautiful. Beautiful. Now the other types of cover that we have noted here are that you don't currently have are things like total permanent disability. So, essentially, if you are off work or unable to go back to work ever again, do you feel like you would need a level of insurance to maybe fall back on, or do you think, you know, Brett would have enough money coming in to cover all of your joint expenditure?\n\nHow do you sort of feel?\n\nChannel 1: Yeah. No.\n\nChannel 0: Yep.\n\nChannel 1: I'm pretty good with that.\n\nChannel 0: Yep. That's okay. The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released. It is\n\nChannel 1: Uh-huh.\n\nChannel 0: really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount. But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible. Okay?\n\nChannel 1: Yep. Alrighty.\n\nChannel 0: Yep. Beautiful. Same again with income protection. That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury. You're happy not having income protection.\n\nDid you wanna look at that? You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work.\n\nChannel 1: Yeah. No. Look. I'm happy\n\nChannel 0: Yep.\n\nChannel 1: with what what's happening at the moment, but\n\nChannel 0: Yep.\n\nChannel 1: that's not to say the next time we talk, I might change my mind and\n\nChannel 0: Beautiful. Absolutely. And that's one of the benefits of the conversation, the review, is that I can give you the information you need. And whilst right now you're going, I'm not really worried about that, you know, things could change on the track, and you might call me and go, hey. I think we need to maybe look at this, and then we can absolutely have more of an in-depth conversation really not at what you might want at that particular time.\n\nBut that's absolutely okay.\n\nChannel 1: Alrighty.\n\nChannel 0: Alright? Perfect. The other type of cover that I do have to discuss is called trauma. Trauma, you can't hold inside super like you can the other insurances. It tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke.\n\nSo very major sorts of conditions there. It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment. So, again, you're happy just to not worry about that right now, or did you want me to\n\nChannel 1: Yeah.\n\nChannel 0: sort of talk\n\nChannel 1: No.\n\nChannel 0: more about\n\nChannel 1: No.\n\nChannel 0: it? No.\n\nChannel 1: I'm all good.\n\nChannel 0: That's okay. Not a problem at all. The last thing I just wanted to run through is a bit of a risk profile questionnaire. So I have kind of gone through and answered most of those questions for the moment there. But the first one I had here now, looking back, you've never owned any investments outside of super.\n\nHave you ever owned any direct shares or anything in your own name?\n\nChannel 1: Nine.\n\nChannel 0: Nope. That's okay. Beautiful. When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel? Are you feeling okay?\n\nYou're not wanting to as super right now. You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure? How do you think you might react and feel?\n\nChannel 1: I'm at well, I would if something like that were to happen, I'd ring you and\n\nChannel 0: Yeah.\n\nChannel 1: get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me\n\nChannel 0: Oh,\n\nChannel 1: and\n\nChannel 0: that's lovely. Thank\n\nChannel 1: not\n\nChannel 0: you.\n\nChannel 1: having not me having to go, oh my god. What do I do? What do I do?\n\nChannel 0: Yes.\n\nChannel 1: I'd rather have\n\nChannel 0: Yep.\n\nChannel 1: someone who understands what's going on and\n\nChannel 0: Yep.\n\nChannel 1: what's best to achieve the goals that we've spoken about.\n\nChannel 0: Yeah. Absolutely. Fantastic. I love that answer. When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns?\n\nHow do you see yourself sitting in there?\n\nChannel 1: Probably the medium to moderate.\n\nChannel 0: Yep. Beautiful. Excellent. And when we think about your super, am I right you're looking to try and get the best returns you possibly can out of your super?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Lovely. Excellent. And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Perfect. Lovely. Thank you for that.\n\nSo I'm just going through tallying those up there for you now. You've scored in that growth environment there, so you are currently in a growth portfolio, which generally sees about 80% of your super in growth investments, so things like Australian shares, international shares, listed property, and some commodities, things like gold and silver as well. The\n\nChannel 1: Mhmm.\n\nChannel 0: other 20% tends to be in lower risk investments, like cash, bonds, and fixed interest. So those growth investments are where you're looking to get a greater potential return. It does see you taking on a bit more risk to try and get that, but having a mix of those low risk investments like cash, bonds, and fixed interest type thing things helps to mitigate long term market volatility. Do you feel like you're pretty comfortable in that sort of environment for the moment, or did you want me to kind of look at altering that for you?\n\nChannel 1: No. No. I'm pretty comfortable.\n\nChannel 0: Yeah. Beautiful. Well, the growth of portfolio generally suits someone who has about six years before they're wanting to access their super. So because you're 51 and you've got till 65 there, you do have that time horizon to withstand the ups and downs in the market. This sort of portfolio is generally looking to sort of get generally between sort of about an eight to 10 sorry.\n\nSeven to 9% return on a yearly basis there over the longer term, and we can expect the likelihood of a negative return sort of one in every five years with this. That's why we like you to have that sort of 60 time horizon. So, I mean, looking at where you are in your agent's day, you're fine to be in that growth portfolio. It suits your your tolerance and your capacity you have at the moment. But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you.\n\nOkay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Do you have any questions generally about anything that we have gone through or anything that you might want me that I haven't touched on for you?\n\nChannel 1: No. No. I'm\n\nChannel 0: No.\n\nChannel 1: pretty happy even.\n\nChannel 0: Yep.\n\nChannel 1: Like, if I think of something down the track,\n\nChannel 0: Yeah.\n\nChannel 1: every time I ring, it's really easy to get some someone to talk to.\n\nChannel 0: Yeah. No. That's fantastic. That's really great. Is there any other goals that you might have between now to retirement or over the next couple of years that you might be sort of thinking about trying to achieve?\n\nOr\n\nChannel 1: WinMoto, but, you\n\nChannel 0: win\n\nChannel 1: know\n\nChannel 0: a lottery?\n\nChannel 1: yeah. It'd be nice,\n\nChannel 0: No.\n\nChannel 1: but, no,\n\nChannel 0: Absolutely.\n\nChannel 1: there's no other as long as, like I said, if something happens to me that Brett's able to give up work to be not give up work, but able to leave the mines to look after the the dogs because they're my family.\n\nChannel 0: Yeah. Absolutely. No. Not a problem at all. Fantastic.\n\nWell, I've sorry. Popped a little thing in my calendar. So in three months' time, we'll make sure Michelle gives you a call. We'll book you into a little bit of a catch up and see where things are going there. I'll go back and just make sure that this standalone investment continues to be sold down and swapped over for the a 200 there for you.\n\nChannel 1: Yeah.\n\nChannel 0: I have just noticed on your file your ID has expired. So if it's okay, we'll send you a little text message after. If you can just provide your updated ID for us, it's just really important we do have that up to date on file, if that's okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. And, look, if you ever are speaking to anyone and they're talking about their super or anything, please feel free to give them my information. I'm more than happy to help anyone else with their goals there as well. I love the super insurances and and I've been an adviser, so please feel free to pass\n\nChannel 1: Yep.\n\nChannel 0: them all of the information. We're really happy that you've had a great experience with us, and I'll do everything we can to continue that for you.\n\nChannel 1: Alrighty. Sounds good.\n\nChannel 0: Okay? That's okay. Before I do go so sorry, Deborah. I just wanna double check. Now part of that packet you did find was the ongoing service agreement.\n\nDo you understand how our ongoing fees were? Did you have any questions in relation to that? Or\n\nChannel 1: No. I'm all good.\n\nChannel 0: no.\n\nChannel 1: I'm very,\n\nChannel 0: All good?\n\nChannel 1: very happy with everything at the moment. So\n\nChannel 0: Beautiful. Well, thank you so much for your time today. I'll let you go. I appreciate you taking your time out of your day to have a chat to me. We'll\n\nChannel 1: Yep.\n\nChannel 0: touch base in about three months unless there's anything that you need in the meantime. Okay?\n\nChannel 1: Alrighty. Thank you so much.\n\nChannel 0: My pleasure, Deborah. Thank you for your time.\n\nChannel 1: Okay.\n\nChannel 0: Have a good afternoon.\n\nChannel 1: You\n\nChannel 0: See you\n\nChannel 1: too.\n\nChannel 0: later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.029479611665010452}],"sentiment":"neutral","sentiment_score":0.029479611665010452,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"Hi, Deborah.","start":3.76,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1149875745177269},{"text":"It's Dana from Oakey Financial.","start":4.3199997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1530853569507599},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.2057541698217392}],"sentiment":"neutral","sentiment_score":0.16868106524149576,"channel":0,"num_words":12,"start":3.76,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.24956749379634857},{"text":"Good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.4723294973373413},{"text":"Yourself?","start":8.08,"end":8.58,"sentiment":"neutral","sentiment_score":0.32817137241363525}],"sentiment":"positive","sentiment_score":0.3500227878491084,"channel":1,"num_words":3,"start":7.44,"end":8.58},{"sentences":[{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.644723137219747},{"text":"Thank you.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.7072050869464874},{"text":"Thanks for asking.","start":10.4,"end":11.28,"sentiment":"positive","sentiment_score":0.6732718149820963},{"text":"I had you booked in to go through your annual review now.","start":11.28,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2727430649101734},{"text":"Is now still a good time there for you?","start":13.5199995,"end":15.54,"sentiment":"neutral","sentiment_score":0.2559129065937466}],"sentiment":"positive","sentiment_score":0.3773975161642864,"channel":0,"num_words":29,"start":9.12,"end":15.54},{"sentences":[{"text":"Yep.","start":15.735,"end":16.235,"sentiment":"neutral","sentiment_score":0.09905306994915009}],"sentiment":"neutral","sentiment_score":0.09905306994915009,"channel":0,"num_words":1,"start":15.735,"end":16.235},{"sentences":[{"text":"Yeah.","start":15.795,"end":16.035,"sentiment":"neutral","sentiment_score":0.1249576210975647},{"text":"Yeah.","start":16.035,"end":16.275,"sentiment":"neutral","sentiment_score":0.17293260991573334},{"text":"That's fine.","start":16.275,"end":17.255001,"sentiment":"positive","sentiment_score":0.3551609218120575}],"sentiment":"neutral","sentiment_score":0.25205301865935326,"channel":1,"num_words":4,"start":15.795,"end":17.255001},{"sentences":[{"text":"Beautiful.","start":17.654999,"end":18.154999,"sentiment":"positive","sentiment_score":0.6249600648880005},{"text":"And how's your day been so far?","start":18.295,"end":20.154999,"sentiment":"neutral","sentiment_score":0.2636664169175284}],"sentiment":"neutral","sentiment_score":0.30882812291383743,"channel":0,"num_words":8,"start":17.654999,"end":20.154999},{"sentences":[{"text":"Busy.","start":21.155,"end":21.655,"sentiment":"neutral","sentiment_score":0.0963231548666954}],"sentiment":"neutral","sentiment_score":0.0963231548666954,"channel":1,"num_words":1,"start":21.155,"end":21.655},{"sentences":[{"text":"Yep.","start":22.455,"end":22.955,"sentiment":"neutral","sentiment_score":0.08861391246318817},{"text":"Well, I try not to take up too much of your time.","start":23.654999,"end":25.414999,"sentiment":"neutral","sentiment_score":-0.007992225388685862},{"text":"We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well.","start":25.414999,"end":35.65,"sentiment":"neutral","sentiment_score":0.1196388653567377},{"text":"Okay?","start":35.65,"end":36.15,"sentiment":"neutral","sentiment_score":0.07149970531463623}],"sentiment":"neutral","sentiment_score":0.09559801159732377,"channel":0,"num_words":67,"start":22.455,"end":36.15},{"sentences":[{"text":"Yep.","start":36.47,"end":36.949997,"sentiment":"neutral","sentiment_score":0.14551421999931335},{"text":"Sounds good.","start":36.949997,"end":37.769997,"sentiment":"neutral","sentiment_score":0.3147430121898651}],"sentiment":"neutral","sentiment_score":0.2583334147930145,"channel":1,"num_words":3,"start":36.47,"end":37.769997},{"sentences":[{"text":"Per perfect.","start":37.57,"end":38.69,"sentiment":"positive","sentiment_score":0.4059672951698303},{"text":"Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":38.69,"end":43.17,"sentiment":"neutral","sentiment_score":0.11958477840475414},{"text":"Are you happy for me to proceed with that?","start":43.17,"end":45.11,"sentiment":"neutral","sentiment_score":0.14015894797113207}],"sentiment":"neutral","sentiment_score":0.1418769125114469,"channel":0,"num_words":34,"start":37.57,"end":45.11},{"sentences":[{"text":"Yes.","start":45.605,"end":46.005,"sentiment":"neutral","sentiment_score":0.12399449944496156},{"text":"That's fine.","start":46.005,"end":46.825,"sentiment":"neutral","sentiment_score":0.22589166462421417}],"sentiment":"neutral","sentiment_score":0.19192594289779663,"channel":1,"num_words":3,"start":45.605,"end":46.825},{"sentences":[{"text":"Fantastic.","start":47.144997,"end":47.644997,"sentiment":"positive","sentiment_score":0.5457094311714172},{"text":"And just to do security there with you as well, we do we are discussing your personal information.","start":47.864998,"end":51.864998,"sentiment":"neutral","sentiment_score":0.1888788135515319},{"text":"I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":51.864998,"end":55.805,"sentiment":"neutral","sentiment_score":0.12882020951885925}],"sentiment":"neutral","sentiment_score":0.1682397909462452,"channel":0,"num_words":38,"start":47.144997,"end":55.805},{"sentences":[{"text":"Okay.","start":56.579998,"end":56.98,"sentiment":"neutral","sentiment_score":0.02799523808062077},{"text":"Deborah Louise Rupp.","start":56.98,"end":58.34,"sentiment":"neutral","sentiment_score":0.01667542817691962},{"text":"Twenty third","start":58.34,"end":58.82,"sentiment":"neutral","sentiment_score":0.012709260452538729}],"sentiment":"neutral","sentiment_score":0.017240007252742846,"channel":1,"num_words":6,"start":56.579998,"end":58.82},{"sentences":[{"text":"Yeah.","start":58.760002,"end":59.260002,"sentiment":"neutral","sentiment_score":0.01800851710140705}],"sentiment":"neutral","sentiment_score":0.01800851710140705,"channel":0,"num_words":1,"start":58.760002,"end":59.260002},{"sentences":[{"text":"of June 1975, and 57 Beals Road, Jensen, Queensland.","start":58.82,"end":64.2,"sentiment":"neutral","sentiment_score":0.027775487552086513}],"sentiment":"neutral","sentiment_score":0.027775487552086513,"channel":1,"num_words":9,"start":58.82,"end":64.2},{"sentences":[{"text":"Perfect.","start":65.08,"end":65.48,"sentiment":"positive","sentiment_score":0.4475997686386109},{"text":"Thank you so much for that.","start":65.48,"end":67.240005,"sentiment":"positive","sentiment_score":0.6045337716738383},{"text":"And you've got today off.","start":67.240005,"end":68.36,"sentiment":"positive","sentiment_score":0.33359888195991516},{"text":"That's lovely.","start":68.36,"end":68.92,"sentiment":"positive","sentiment_score":0.49807748198509216},{"text":"Do you have all Mondays off, or is it just a one off for today?","start":68.92,"end":71.82,"sentiment":"neutral","sentiment_score":0.06452862769365311}],"sentiment":"neutral","sentiment_score":0.26575452371917924,"channel":0,"num_words":29,"start":65.08,"end":71.82},{"sentences":[{"text":"No.","start":72.235,"end":72.475,"sentiment":"neutral","sentiment_score":-0.015658384189009666},{"text":"Every second Monday.","start":72.475,"end":73.615,"sentiment":"neutral","sentiment_score":-0.0006197874123851458}],"sentiment":"neutral","sentiment_score":-0.004379436606541276,"channel":1,"num_words":4,"start":72.235,"end":73.615},{"sentences":[{"text":"Oh, fantastic.","start":74.205,"end":75.104996,"sentiment":"neutral","sentiment_score":0.27117832005023956},{"text":"I'll make a note of that for you.","start":75.165,"end":76.445,"sentiment":"neutral","sentiment_score":0.27003814093768597},{"text":"That way, again, we're not sort of calling you in and out of work hours.","start":76.445,"end":79.165,"sentiment":"neutral","sentiment_score":0.1262717664241791},{"text":"We can always try to get you every second Monday to make it easier on you for you as well.","start":79.165,"end":83.185,"sentiment":"neutral","sentiment_score":0.21495606228709221}],"sentiment":"neutral","sentiment_score":0.1976857668823666,"channel":0,"num_words":45,"start":74.205,"end":83.185},{"sentences":[{"text":"Yeah.","start":82.955,"end":83.274994,"sentiment":"neutral","sentiment_score":0.2248493880033493}],"sentiment":"neutral","sentiment_score":0.2248493880033493,"channel":1,"num_words":1,"start":82.955,"end":83.274994},{"sentences":[{"text":"Beautiful.","start":83.244995,"end":83.744995,"sentiment":"positive","sentiment_score":0.5191472768783569}],"sentiment":"positive","sentiment_score":0.5191472768783569,"channel":0,"num_words":1,"start":83.244995,"end":83.744995},{"sentences":[{"text":"That'd be great.","start":83.274994,"end":84.255,"sentiment":"positive","sentiment_score":0.5723305543263754}],"sentiment":"positive","sentiment_score":0.5723305543263754,"channel":1,"num_words":3,"start":83.274994,"end":84.255},{"sentences":[{"text":"Excellent.","start":84.7,"end":85.2,"sentiment":"positive","sentiment_score":0.4967750906944275},{"text":"As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you?","start":85.899994,"end":93.6,"sentiment":"neutral","sentiment_score":0.15797467705081492}],"sentiment":"neutral","sentiment_score":0.16765468886920384,"channel":0,"num_words":35,"start":84.7,"end":93.6},{"sentences":[{"text":"No.","start":94.14,"end":94.64,"sentiment":"neutral","sentiment_score":-0.08951503038406372},{"text":"No.","start":94.86,"end":95.340004,"sentiment":"neutral","sentiment_score":-0.11752339452505112},{"text":"I don't think so.","start":95.340004,"end":96.560005,"sentiment":"neutral","sentiment_score":-0.12379653006792068}],"sentiment":"neutral","sentiment_score":-0.11703742419679959,"channel":1,"num_words":6,"start":94.14,"end":96.560005},{"sentences":[{"text":"No.","start":96.14,"end":96.64,"sentiment":"neutral","sentiment_score":-0.05491627752780914},{"text":"That's okay.","start":96.955,"end":97.674995,"sentiment":"neutral","sentiment_score":0.03381469380110502},{"text":"Not a problem at all.","start":97.674995,"end":98.875,"sentiment":"neutral","sentiment_score":0.11881491988897323},{"text":"And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser?","start":98.875,"end":107.515,"sentiment":"neutral","sentiment_score":-0.007993838211728468},{"text":"Is there anything particularly you were sort of hoping to get out of having us here?","start":107.515,"end":111.055,"sentiment":"neutral","sentiment_score":-0.08695121901109815}],"sentiment":"neutral","sentiment_score":-0.016581949480957744,"channel":0,"num_words":69,"start":96.14,"end":111.055},{"sentences":[{"text":"Well, at that time, I was going through divorce, and my life was in a shambles because,","start":112.79,"end":121.75,"sentiment":"negative","sentiment_score":-0.3982570662217982}],"sentiment":"negative","sentiment_score":-0.3982570662217982,"channel":1,"num_words":17,"start":112.79,"end":121.75},{"sentences":[{"text":"Yeah.","start":121.68,"end":122.18,"sentiment":"neutral","sentiment_score":-0.1765577495098114}],"sentiment":"neutral","sentiment_score":-0.1765577495098114,"channel":0,"num_words":1,"start":121.68,"end":122.18},{"sentences":[{"text":"you know","start":121.75,"end":122.07,"sentiment":"neutral","sentiment_score":-0.17791404575109482}],"sentiment":"neutral","sentiment_score":-0.17791404575109482,"channel":1,"num_words":2,"start":121.75,"end":122.07},{"sentences":[{"text":"Yeah.","start":123.12,"end":123.62,"sentiment":"neutral","sentiment_score":-0.16474156081676483}],"sentiment":"neutral","sentiment_score":-0.16474156081676483,"channel":0,"num_words":1,"start":123.12,"end":123.62},{"sentences":[{"text":"but everything's flattening out, and I feel on the right track at the moment.","start":123.435,"end":130.655,"sentiment":"negative","sentiment_score":-0.41126344140086857}],"sentiment":"negative","sentiment_score":-0.41126344140086857,"channel":1,"num_words":14,"start":123.435,"end":130.655},{"sentences":[{"text":"Oh, good.","start":130.225,"end":131.125,"sentiment":"positive","sentiment_score":0.4591199904680252},{"text":"That's really good to hear.","start":131.185,"end":132.385,"sentiment":"positive","sentiment_score":0.6896021246910096},{"text":"Well, I'll definitely make sure we keep you on track.","start":132.385,"end":134.725,"sentiment":"positive","sentiment_score":0.5540198296308517},{"text":"Moving forward, I know last year was a little bit all over the place with changes and everything.","start":135.425,"end":139.54001,"sentiment":"neutral","sentiment_score":0.01915321271452639},{"text":"But moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year?","start":139.54001,"end":148.34,"sentiment":"neutral","sentiment_score":0.10650487062640679}],"sentiment":"neutral","sentiment_score":0.19466076599987778,"channel":0,"num_words":74,"start":130.225,"end":148.34},{"sentences":[{"text":"What would be preferable for you?","start":148.34,"end":150.52,"sentiment":"neutral","sentiment_score":0.015259948403884968}],"sentiment":"neutral","sentiment_score":0.015259948403884968,"channel":0,"num_words":6,"start":148.34,"end":150.52},{"sentences":[{"text":"Month every three months.","start":150.965,"end":152.24501,"sentiment":"neutral","sentiment_score":0.0011265026405453682},{"text":"Yeah.","start":152.24501,"end":152.74501,"sentiment":"neutral","sentiment_score":0.0039669182151556015}],"sentiment":"neutral","sentiment_score":0.001694585755467415,"channel":1,"num_words":5,"start":150.965,"end":152.74501},{"sentences":[{"text":"Three months?","start":152.595,"end":153.235,"sentiment":"neutral","sentiment_score":0.005660167895257474},{"text":"Yeah.","start":153.235,"end":153.63501,"sentiment":"neutral","sentiment_score":0.13439366221427915},{"text":"Beautiful.","start":153.63501,"end":154.13501,"sentiment":"positive","sentiment_score":0.5300517082214355},{"text":"I'm going through and updating all of my clients.","start":154.355,"end":156.355,"sentiment":"positive","sentiment_score":0.388663563463423},{"text":"I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you.","start":156.355,"end":167.75,"sentiment":"neutral","sentiment_score":0.25358308653036754}],"sentiment":"neutral","sentiment_score":0.2687064943321306,"channel":0,"num_words":58,"start":152.595,"end":167.75},{"sentences":[{"text":"Okay?","start":167.75,"end":168.25,"sentiment":"neutral","sentiment_score":0.15072065591812134}],"sentiment":"neutral","sentiment_score":0.15072065591812134,"channel":0,"num_words":1,"start":167.75,"end":168.25},{"sentences":[{"text":"Yep.","start":168.74,"end":169.06001,"sentiment":"neutral","sentiment_score":0.2095986008644104},{"text":"Sounds good.","start":169.06001,"end":169.88,"sentiment":"positive","sentiment_score":0.5072524547576904}],"sentiment":"positive","sentiment_score":0.4080345034599304,"channel":1,"num_words":3,"start":168.74,"end":169.88},{"sentences":[{"text":"Beautiful.","start":170.31,"end":170.81,"sentiment":"positive","sentiment_score":0.6047020554542542},{"text":"Beautiful.","start":170.95,"end":171.45,"sentiment":"positive","sentiment_score":0.5318648219108582},{"text":"Now I just want to run through.","start":172.15001,"end":173.51001,"sentiment":"neutral","sentiment_score":0.05207717392061438},{"text":"I know you had received a bit of an email from us over the past couple of weeks.","start":173.51001,"end":177.19,"sentiment":"neutral","sentiment_score":0.00043161027133464813},{"text":"There was a record of advice noting some changes to come to your 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the beta shares a 200.","start":216.295,"end":223.68999,"sentiment":"neutral","sentiment_score":-0.028030087959698656},{"text":"So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market.","start":223.68999,"end":234.26999,"sentiment":"neutral","sentiment_score":0.017579138175480895},{"text":"And many and managed funds can be a little bit more expensive to hold.","start":234.535,"end":237.675,"sentiment":"neutral","sentiment_score":-0.1523351227598531}],"sentiment":"neutral","sentiment_score":-0.023623003699218055,"channel":0,"num_words":112,"start":204.79,"end":237.675},{"sentences":[{"text":"With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the 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past.","start":286.65,"end":291.005,"sentiment":"neutral","sentiment_score":0.2899677282885501},{"text":"Does that make sense?","start":291.005,"end":291.885,"sentiment":"neutral","sentiment_score":0.17253443226218224}],"sentiment":"positive","sentiment_score":0.3996982111462525,"channel":0,"num_words":84,"start":269.875,"end":291.885},{"sentences":[{"text":"And do you have any other questions there at all in relation to that?","start":291.885,"end":295.105,"sentiment":"neutral","sentiment_score":0.03742496655987842}],"sentiment":"neutral","sentiment_score":0.03742496655987842,"channel":0,"num_words":14,"start":291.885,"end":295.105},{"sentences":[{"text":"No.","start":295.665,"end":296.065,"sentiment":"neutral","sentiment_score":-0.07908366620540619},{"text":"No.","start":296.065,"end":296.30502,"sentiment":"neutral","sentiment_score":-0.027181636542081833},{"text":"That's 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will.","start":306.83002,"end":313.07,"sentiment":"neutral","sentiment_score":0.1882086577160018},{"text":"Okay?","start":313.07,"end":313.57,"sentiment":"neutral","sentiment_score":0.11539828777313232}],"sentiment":"neutral","sentiment_score":0.21296961745247245,"channel":0,"num_words":64,"start":298.285,"end":313.57},{"sentences":[{"text":"Yep.","start":314.11,"end":314.59,"sentiment":"neutral","sentiment_score":0.0636163204908371},{"text":"Sounds good.","start":314.59,"end":315.41,"sentiment":"positive","sentiment_score":0.7832338213920593}],"sentiment":"positive","sentiment_score":0.5433613210916519,"channel":1,"num_words":3,"start":314.11,"end":315.41},{"sentences":[{"text":"Beautiful.","start":315.88498,"end":316.38498,"sentiment":"positive","sentiment_score":0.6985068917274475},{"text":"Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain 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income you might like to be drawing down in those retirement years, or you're not real sure as of yet?","start":352.225,"end":359.04498,"sentiment":"neutral","sentiment_score":0.0019649759467159}],"sentiment":"neutral","sentiment_score":0.0019649759467159,"channel":0,"num_words":28,"start":352.225,"end":359.04498},{"sentences":[{"text":"No.","start":359.505,"end":359.745,"sentiment":"neutral","sentiment_score":-0.06358299404382706},{"text":"I'm not sure as of 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still.","start":365.61,"end":367.37,"sentiment":"neutral","sentiment_score":0.04555569402873516}],"sentiment":"neutral","sentiment_score":0.055381938570644704,"channel":0,"num_words":20,"start":362.88998,"end":367.37},{"sentences":[{"text":"We can always come back to that down the track.","start":367.37,"end":369.44998,"sentiment":"neutral","sentiment_score":0.09480075165629387},{"text":"Beautiful.","start":369.44998,"end":369.94998,"sentiment":"positive","sentiment_score":0.36956787109375}],"sentiment":"neutral","sentiment_score":0.1197795806960626,"channel":0,"num_words":11,"start":367.37,"end":369.94998},{"sentences":[{"text":"Mhmm.","start":370.24002,"end":370.74002,"sentiment":"neutral","sentiment_score":0.08405491709709167}],"sentiment":"neutral","sentiment_score":0.08405491709709167,"channel":1,"num_words":1,"start":370.24002,"end":370.74002},{"sentences":[{"text":"The having a look at the rest of your details here, has there been any changes with regard to your work?","start":372.295,"end":376.935,"sentiment":"neutral","sentiment_score":0.013348728507047608},{"text":"Have you had a bit of pay rise or a change in role or employer over the last couple of months at 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pharmacy.","start":384.335,"end":385.075,"sentiment":"neutral","sentiment_score":-0.01808289624750614}],"sentiment":"neutral","sentiment_score":-0.01808289624750614,"channel":1,"num_words":2,"start":384.335,"end":385.075},{"sentences":[{"text":"Yep.","start":385.81,"end":386.13,"sentiment":"neutral","sentiment_score":0.04058544337749481},{"text":"Beautiful.","start":386.13,"end":386.63,"sentiment":"neutral","sentiment_score":0.1968266069889069},{"text":"Our income here I had down was about 60,000.","start":386.77,"end":389.41,"sentiment":"neutral","sentiment_score":0.045511520778139435},{"text":"Have you got a pay rise yet?","start":389.41,"end":391.11,"sentiment":"neutral","sentiment_score":-0.004488021800560611}],"sentiment":"neutral","sentiment_score":0.03419997693142957,"channel":0,"num_words":18,"start":385.81,"end":391.11},{"sentences":[{"text":"I don't know.","start":393.52,"end":394.5,"sentiment":"neutral","sentiment_score":-0.051682256162166595}],"sentiment":"neutral","sentiment_score":-0.051682256162166595,"channel":1,"num_words":3,"start":393.52,"end":394.5},{"sentences":[{"text":"Not sure?","start":395.65,"end":396.37,"sentiment":"neutral","sentiment_score":-0.05489952303469181},{"text":"Not significant","start":396.37,"end":397.19,"sentiment":"neutral","sentiment_score":-0.07985799387097359}],"sentiment":"neutral","sentiment_score":-0.0673787584528327,"channel":0,"num_words":4,"start":395.65,"end":397.19},{"sentences":[{"text":"No.","start":397.12,"end":397.62,"sentiment":"neutral","sentiment_score":-0.06688821315765381}],"sentiment":"neutral","sentiment_score":-0.06688821315765381,"channel":1,"num_words":1,"start":397.12,"end":397.62},{"sentences":[{"text":"enough to 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sure.","start":403.095,"end":403.995,"sentiment":"neutral","sentiment_score":0.07155114784836769}],"sentiment":"neutral","sentiment_score":0.043087273288299054,"channel":0,"num_words":17,"start":399.495,"end":403.995},{"sentences":[{"text":"That'd","start":405.115,"end":405.435,"sentiment":"neutral","sentiment_score":0.06979212909936905}],"sentiment":"neutral","sentiment_score":0.06979212909936905,"channel":1,"num_words":1,"start":405.115,"end":405.435},{"sentences":[{"text":"Yeah.","start":405.375,"end":405.875,"sentiment":"neutral","sentiment_score":0.06832842528820038}],"sentiment":"neutral","sentiment_score":0.06832842528820038,"channel":0,"num_words":1,"start":405.375,"end":405.875},{"sentences":[{"text":"be","start":405.435,"end":405.935,"sentiment":"neutral","sentiment_score":0.08528018742799759}],"sentiment":"neutral","sentiment_score":0.08528018742799759,"channel":1,"num_words":1,"start":405.435,"end":405.935},{"sentences":[{"text":"All good.","start":407.255,"end":407.995,"sentiment":"neutral","sentiment_score":0.14556568488478663},{"text":"Contributions wise, I can only see your employer contributions going in.","start":408.85498,"end":412.135,"sentiment":"neutral","sentiment_score":-0.04968761584975503},{"text":"There's nothing here to show","start":412.135,"end":413.175,"sentiment":"neutral","sentiment_score":-0.1888504683971405}],"sentiment":"neutral","sentiment_score":-0.06664915258685748,"channel":0,"num_words":18,"start":407.255,"end":413.175},{"sentences":[{"text":"nice.","start":413.03497,"end":413.53497,"sentiment":"neutral","sentiment_score":-0.10395602881908415}],"sentiment":"neutral","sentiment_score":-0.10395602881908415,"channel":1,"num_words":1,"start":413.03497,"end":413.53497},{"sentences":[{"text":"me that you're making any additional contributions.","start":413.175,"end":415.115,"sentiment":"neutral","sentiment_score":-0.05948841944336891}],"sentiment":"neutral","sentiment_score":-0.05948841944336891,"channel":0,"num_words":7,"start":413.175,"end":415.115},{"sentences":[{"text":"No.","start":415.275,"end":415.75497,"sentiment":"neutral","sentiment_score":-0.08454012870788574}],"sentiment":"neutral","sentiment_score":-0.08454012870788574,"channel":1,"num_words":1,"start":415.275,"end":415.75497},{"sentences":[{"text":"Are 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would have enough money coming in to cover all of your joint expenditure?","start":1558.79,"end":1572.555,"sentiment":"neutral","sentiment_score":-0.08652428379998757}],"sentiment":"neutral","sentiment_score":-0.05308023429451845,"channel":0,"num_words":78,"start":1550.31,"end":1572.555},{"sentences":[{"text":"How do you sort of feel?","start":1573.255,"end":1574.555,"sentiment":"neutral","sentiment_score":-0.06605969369411469}],"sentiment":"neutral","sentiment_score":-0.06605969369411469,"channel":0,"num_words":6,"start":1573.255,"end":1574.555},{"sentences":[{"text":"Yeah.","start":1574.385,"end":1574.545,"sentiment":"neutral","sentiment_score":-0.024799803271889687},{"text":"No.","start":1574.545,"end":1574.865,"sentiment":"neutral","sentiment_score":-0.14253270626068115}],"sentiment":"neutral","sentiment_score":-0.08366625476628542,"channel":1,"num_words":2,"start":1574.385,"end":1574.865},{"sentences":[{"text":"Yep.","start":1574.8301,"end":1575.3301,"sentiment":"neutral","sentiment_score":0.0018945287447422745}],"sentiment":"neutral","sentiment_score":0.0018945287447422745,"channel":0,"num_words":1,"start":1574.8301,"end":1575.3301},{"sentences":[{"text":"I'm pretty good with that.","start":1574.865,"end":1576.405,"sentiment":"neutral","sentiment_score":0.1278006464242935}],"sentiment":"neutral","sentiment_score":0.1278006464242935,"channel":1,"num_words":5,"start":1574.865,"end":1576.405},{"sentences":[{"text":"Yep.","start":1576.5901,"end":1576.91,"sentiment":"neutral","sentiment_score":0.13922956585884094},{"text":"That's okay.","start":1576.91,"end":1577.55,"sentiment":"neutral","sentiment_score":0.18733549118041992},{"text":"The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released.","start":1577.55,"end":1586.685,"sentiment":"neutral","sentiment_score":0.00844070292783506},{"text":"It is","start":1587.165,"end":1587.5651,"sentiment":"neutral","sentiment_score":-0.003088822588324547}],"sentiment":"neutral","sentiment_score":0.020691213148989175,"channel":0,"num_words":38,"start":1576.5901,"end":1587.5651},{"sentences":[{"text":"Uh-huh.","start":1587.49,"end":1587.99,"sentiment":"neutral","sentiment_score":-0.0026970505714416504}],"sentiment":"neutral","sentiment_score":-0.0026970505714416504,"channel":1,"num_words":1,"start":1587.49,"end":1587.99},{"sentences":[{"text":"really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount.","start":1587.5651,"end":1597.0851,"sentiment":"neutral","sentiment_score":-0.04764272491721546},{"text":"But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible.","start":1597.0851,"end":1605.4099,"sentiment":"neutral","sentiment_score":0.1340746022760868},{"text":"Okay?","start":1605.63,"end":1606.13,"sentiment":"neutral","sentiment_score":0.04726873338222504}],"sentiment":"neutral","sentiment_score":0.03618093050317839,"channel":0,"num_words":64,"start":1587.5651,"end":1606.13},{"sentences":[{"text":"Yep.","start":1606.155,"end":1606.655,"sentiment":"neutral","sentiment_score":0.06276186555624008},{"text":"Alrighty.","start":1606.7151,"end":1607.2151,"sentiment":"neutral","sentiment_score":0.15872345864772797}],"sentiment":"neutral","sentiment_score":0.11074266210198402,"channel":1,"num_words":2,"start":1606.155,"end":1607.2151},{"sentences":[{"text":"Yep.","start":1606.99,"end":1607.39,"sentiment":"neutral","sentiment_score":0.16270597279071808},{"text":"Beautiful.","start":1607.39,"end":1607.89,"sentiment":"positive","sentiment_score":0.5011969804763794},{"text":"Same again with income protection.","start":1608.35,"end":1609.87,"sentiment":"neutral","sentiment_score":0.2585879947990179},{"text":"That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury.","start":1609.87,"end":1617.805,"sentiment":"neutral","sentiment_score":-0.09088616938713719},{"text":"You're happy not having income protection.","start":1618.665,"end":1620.505,"sentiment":"neutral","sentiment_score":0.003331143409013748}],"sentiment":"neutral","sentiment_score":-0.023687233435029677,"channel":0,"num_words":47,"start":1606.99,"end":1620.505},{"sentences":[{"text":"Did you wanna look at that?","start":1620.505,"end":1621.9451,"sentiment":"neutral","sentiment_score":0.019676148270567257},{"text":"You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work.","start":1621.9451,"end":1626.605,"sentiment":"neutral","sentiment_score":-0.0403973803316292}],"sentiment":"neutral","sentiment_score":-0.02597973346710205,"channel":0,"num_words":25,"start":1620.505,"end":1626.605},{"sentences":[{"text":"Yeah.","start":1627.105,"end":1627.4249,"sentiment":"neutral","sentiment_score":0.011906478554010391},{"text":"No.","start":1627.4249,"end":1627.9049,"sentiment":"neutral","sentiment_score":-0.0380510576069355},{"text":"Look.","start":1627.9049,"end":1628.225,"sentiment":"neutral","sentiment_score":0.03492344543337822},{"text":"I'm happy","start":1628.225,"end":1628.7849,"sentiment":"neutral","sentiment_score":0.1463029682636261}],"sentiment":"neutral","sentiment_score":0.06027696058154106,"channel":1,"num_words":5,"start":1627.105,"end":1628.7849},{"sentences":[{"text":"Yep.","start":1628.6001,"end":1629.1001,"sentiment":"neutral","sentiment_score":0.22796213626861572}],"sentiment":"neutral","sentiment_score":0.22796213626861572,"channel":0,"num_words":1,"start":1628.6001,"end":1629.1001},{"sentences":[{"text":"with what what's happening at the moment, but","start":1628.7849,"end":1631.9249,"sentiment":"neutral","sentiment_score":0.0699966661632061}],"sentiment":"neutral","sentiment_score":0.0699966661632061,"channel":1,"num_words":8,"start":1628.7849,"end":1631.9249},{"sentences":[{"text":"Yep.","start":1632.04,"end":1632.54,"sentiment":"neutral","sentiment_score":0.1589464247226715}],"sentiment":"neutral","sentiment_score":0.1589464247226715,"channel":0,"num_words":1,"start":1632.04,"end":1632.54},{"sentences":[{"text":"that's not to say the next time we talk, I might change my mind 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absolutely have more of an in-depth conversation really not at what you might want at that particular time.","start":1648.3049,"end":1655.79,"sentiment":"neutral","sentiment_score":0.10998121745163394}],"sentiment":"neutral","sentiment_score":0.20888315300207314,"channel":0,"num_words":82,"start":1636.6001,"end":1655.79},{"sentences":[{"text":"But that's absolutely okay.","start":1655.79,"end":1657.3301,"sentiment":"neutral","sentiment_score":0.2500796802341938}],"sentiment":"neutral","sentiment_score":0.2500796802341938,"channel":0,"num_words":4,"start":1655.79,"end":1657.3301},{"sentences":[{"text":"Alrighty.","start":1658.095,"end":1658.595,"sentiment":"neutral","sentiment_score":0.26436108350753784}],"sentiment":"neutral","sentiment_score":0.26436108350753784,"channel":1,"num_words":1,"start":1658.095,"end":1658.595},{"sentences":[{"text":"Alright?","start":1658.8301,"end":1659.31,"sentiment":"neutral","sentiment_score":0.2695084810256958},{"text":"Perfect.","start":1659.31,"end":1659.81,"sentiment":"positive","sentiment_score":0.5410193204879761},{"text":"The other type of cover that I do have to discuss is called trauma.","start":1660.1901,"end":1663.41,"sentiment":"neutral","sentiment_score":0.031584513905857294},{"text":"Trauma, you can't hold inside super like you can the other insurances.","start":1663.79,"end":1667.235,"sentiment":"neutral","sentiment_score":0.009126323837942133},{"text":"It tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke.","start":1667.2949,"end":1677.695,"sentiment":"neutral","sentiment_score":0.004394724910311839}],"sentiment":"neutral","sentiment_score":0.02438141176131584,"channel":0,"num_words":62,"start":1658.8301,"end":1677.695},{"sentences":[{"text":"So very major sorts of conditions there.","start":1677.695,"end":1680.275,"sentiment":"neutral","sentiment_score":-0.1011578163930348},{"text":"It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment.","start":1681.0499,"end":1686.1699,"sentiment":"neutral","sentiment_score":-0.10893829521678743},{"text":"So, again, you're happy just to not worry about that right now, or did you want me to","start":1686.1699,"end":1689.69,"sentiment":"neutral","sentiment_score":0.17738538421690464}],"sentiment":"neutral","sentiment_score":0.00428539133914139,"channel":0,"num_words":46,"start":1677.695,"end":1689.69},{"sentences":[{"text":"Yeah.","start":1689.615,"end":1690.095,"sentiment":"neutral","sentiment_score":-0.004031756892800331}],"sentiment":"neutral","sentiment_score":-0.004031756892800331,"channel":1,"num_words":1,"start":1689.615,"end":1690.095},{"sentences":[{"text":"sort of talk","start":1689.69,"end":1690.25,"sentiment":"neutral","sentiment_score":-0.01590678623567025}],"sentiment":"neutral","sentiment_score":-0.01590678623567025,"channel":0,"num_words":3,"start":1689.69,"end":1690.25},{"sentences":[{"text":"No.","start":1690.095,"end":1690.595,"sentiment":"neutral","sentiment_score":-0.08358822762966156}],"sentiment":"neutral","sentiment_score":-0.08358822762966156,"channel":1,"num_words":1,"start":1690.095,"end":1690.595},{"sentences":[{"text":"more 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good.","start":1691.375,"end":1692.4349,"sentiment":"neutral","sentiment_score":0.0016196047266324339}],"sentiment":"neutral","sentiment_score":0.0016196047266324339,"channel":1,"num_words":3,"start":1691.375,"end":1692.4349},{"sentences":[{"text":"That's okay.","start":1692.845,"end":1693.665,"sentiment":"neutral","sentiment_score":0.15483997017145157},{"text":"Not a problem at all.","start":1693.805,"end":1695.345,"sentiment":"neutral","sentiment_score":0.1724780559539795},{"text":"The last thing I just wanted to run through is a bit of a risk profile questionnaire.","start":1695.885,"end":1699.085,"sentiment":"neutral","sentiment_score":-0.0036350999246625337},{"text":"So I have kind of gone through and answered most of those questions for the moment there.","start":1699.085,"end":1703.185,"sentiment":"neutral","sentiment_score":0.03824422902920667},{"text":"But the first one I had here now, looking back, you've never owned any investments outside of super.","start":1703.5651,"end":1709.27,"sentiment":"neutral","sentiment_score":-0.0250643169403904}],"sentiment":"neutral","sentiment_score":0.022190978134966503,"channel":0,"num_words":59,"start":1692.845,"end":1709.27},{"sentences":[{"text":"Have you ever owned any direct shares or anything in your own name?","start":1709.27,"end":1712.41,"sentiment":"neutral","sentiment_score":0.00036365284512822446}],"sentiment":"neutral","sentiment_score":0.00036365284512822446,"channel":0,"num_words":13,"start":1709.27,"end":1712.41},{"sentences":[{"text":"Nine.","start":1712.9349,"end":1713.4349,"sentiment":"neutral","sentiment_score":-0.005905705038458109}],"sentiment":"neutral","sentiment_score":-0.005905705038458109,"channel":1,"num_words":1,"start":1712.9349,"end":1713.4349},{"sentences":[{"text":"Nope.","start":1713.83,"end":1714.15,"sentiment":"neutral","sentiment_score":-0.036300159990787506},{"text":"That's okay.","start":1714.15,"end":1714.95,"sentiment":"neutral","sentiment_score":0.10128414630889893},{"text":"Beautiful.","start":1714.95,"end":1715.45,"sentiment":"positive","sentiment_score":0.5017449259757996},{"text":"When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel?","start":1715.75,"end":1732.295,"sentiment":"neutral","sentiment_score":-0.02102502985226531},{"text":"Are you feeling okay?","start":1732.295,"end":1733.415,"sentiment":"neutral","sentiment_score":-0.020362534560263157}],"sentiment":"neutral","sentiment_score":-0.010242699006838458,"channel":0,"num_words":70,"start":1713.83,"end":1733.415},{"sentences":[{"text":"You're not wanting to as super right now.","start":1733.415,"end":1735.59,"sentiment":"neutral","sentiment_score":-0.23445460945367813},{"text":"You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure?","start":1735.59,"end":1743.59,"sentiment":"neutral","sentiment_score":-0.12051680102013052},{"text":"How do you think you might react and feel?","start":1743.59,"end":1745.77,"sentiment":"neutral","sentiment_score":-0.04508685775929027}],"sentiment":"neutral","sentiment_score":-0.12526441281851458,"channel":0,"num_words":49,"start":1733.415,"end":1745.77},{"sentences":[{"text":"I'm at well, I would if something like that were to happen, I'd ring you and","start":1746.5349,"end":1754.08,"sentiment":"neutral","sentiment_score":-0.02095165039645508}],"sentiment":"neutral","sentiment_score":-0.02095165039645508,"channel":1,"num_words":16,"start":1746.5349,"end":1754.08},{"sentences":[{"text":"Yeah.","start":1753.925,"end":1754.425,"sentiment":"neutral","sentiment_score":0.024229729548096657}],"sentiment":"neutral","sentiment_score":0.024229729548096657,"channel":0,"num_words":1,"start":1753.925,"end":1754.425},{"sentences":[{"text":"get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me","start":1754.78,"end":1763.7849,"sentiment":"neutral","sentiment_score":0.17948362107078233}],"sentiment":"neutral","sentiment_score":0.17948362107078233,"channel":1,"num_words":24,"start":1754.78,"end":1763.7849},{"sentences":[{"text":"Oh,","start":1764.18,"end":1764.3401,"sentiment":"neutral","sentiment_score":0.24272237718105316}],"sentiment":"neutral","sentiment_score":0.24272237718105316,"channel":0,"num_words":1,"start":1764.18,"end":1764.3401},{"sentences":[{"text":"and","start":1764.325,"end":1764.825,"sentiment":"positive","sentiment_score":0.3381439745426178}],"sentiment":"positive","sentiment_score":0.3381439745426178,"channel":1,"num_words":1,"start":1764.325,"end":1764.825},{"sentences":[{"text":"that's 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do?","start":1768.725,"end":1769.365,"sentiment":"neutral","sentiment_score":-0.06946069840341806},{"text":"What do I do?","start":1769.365,"end":1770.2649,"sentiment":"neutral","sentiment_score":-0.033662015572190285}],"sentiment":"neutral","sentiment_score":-0.042604119462125445,"channel":1,"num_words":17,"start":1765.7649,"end":1770.2649},{"sentences":[{"text":"Yes.","start":1770.74,"end":1771.24,"sentiment":"neutral","sentiment_score":0.04352455586194992}],"sentiment":"neutral","sentiment_score":0.04352455586194992,"channel":0,"num_words":1,"start":1770.74,"end":1771.24},{"sentences":[{"text":"I'd rather have","start":1770.885,"end":1771.6849,"sentiment":"neutral","sentiment_score":0.04487036168575287}],"sentiment":"neutral","sentiment_score":0.04487036168575287,"channel":1,"num_words":3,"start":1770.885,"end":1771.6849},{"sentences":[{"text":"Yep.","start":1771.4601,"end":1771.9601,"sentiment":"neutral","sentiment_score":0.0646769106388092}],"sentiment":"neutral","sentiment_score":0.0646769106388092,"channel":0,"num_words":1,"start":1771.4601,"end":1771.9601},{"sentences":[{"text":"someone who understands what's going on 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about.","start":1775.125,"end":1779.0,"sentiment":"neutral","sentiment_score":0.11146117150783538}],"sentiment":"neutral","sentiment_score":0.11146117150783538,"channel":1,"num_words":10,"start":1775.125,"end":1779.0},{"sentences":[{"text":"Yeah.","start":1779.3351,"end":1779.7351,"sentiment":"neutral","sentiment_score":0.12252993881702424},{"text":"Absolutely.","start":1779.7351,"end":1780.2351,"sentiment":"neutral","sentiment_score":0.3215636909008026},{"text":"Fantastic.","start":1780.6151,"end":1781.1151,"sentiment":"positive","sentiment_score":0.4919130504131317},{"text":"I love that answer.","start":1781.415,"end":1782.555,"sentiment":"positive","sentiment_score":0.5392363667488098},{"text":"When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns?","start":1782.935,"end":1801.535,"sentiment":"neutral","sentiment_score":0.07887519956208193}],"sentiment":"neutral","sentiment_score":0.11416444609252115,"channel":0,"num_words":72,"start":1779.3351,"end":1801.535},{"sentences":[{"text":"How do you see yourself sitting in there?","start":1801.535,"end":1803.715,"sentiment":"neutral","sentiment_score":-0.00474215648137033}],"sentiment":"neutral","sentiment_score":-0.00474215648137033,"channel":0,"num_words":8,"start":1801.535,"end":1803.715},{"sentences":[{"text":"Probably the medium to 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very,","start":2071.775,"end":2072.515,"sentiment":"neutral","sentiment_score":-0.14479684829711914}],"sentiment":"neutral","sentiment_score":-0.14479684829711914,"channel":1,"num_words":2,"start":2071.775,"end":2072.515},{"sentences":[{"text":"All good?","start":2072.37,"end":2073.11,"sentiment":"neutral","sentiment_score":-0.0008858256042003632}],"sentiment":"neutral","sentiment_score":-0.0008858256042003632,"channel":0,"num_words":2,"start":2072.37,"end":2073.11},{"sentences":[{"text":"very happy with everything at the moment.","start":2072.9749,"end":2075.1548,"sentiment":"neutral","sentiment_score":0.2468808080468859},{"text":"So","start":2075.2148,"end":2075.7148,"sentiment":"positive","sentiment_score":0.6708069443702698}],"sentiment":"neutral","sentiment_score":0.2998715750873089,"channel":1,"num_words":8,"start":2072.9749,"end":2075.7148},{"sentences":[{"text":"Beautiful.","start":2076.05,"end":2076.55,"sentiment":"positive","sentiment_score":0.7108586430549622},{"text":"Well, thank you so much for your time today.","start":2076.61,"end":2078.77,"sentiment":"positive","sentiment_score":0.7199500335587395},{"text":"I'll let you go.","start":2078.77,"end":2079.4102,"sentiment":"positive","sentiment_score":0.4884074702858925},{"text":"I appreciate you taking your time out of your day to have a chat to me.","start":2079.4102,"end":2082.375,"sentiment":"positive","sentiment_score":0.6052459869533777},{"text":"We'll","start":2082.695,"end":2083.095,"sentiment":"neutral","sentiment_score":0.18219056725502017}],"sentiment":"positive","sentiment_score":0.613231134991492,"channel":0,"num_words":31,"start":2076.05,"end":2083.095},{"sentences":[{"text":"Yep.","start":2082.7349,"end":2083.2349,"sentiment":"neutral","sentiment_score":0.1552027016878128}],"sentiment":"neutral","sentiment_score":0.1552027016878128,"channel":1,"num_words":1,"start":2082.7349,"end":2083.2349},{"sentences":[{"text":"touch base in about three months unless there's anything that you need in the meantime.","start":2083.095,"end":2086.395,"sentiment":"neutral","sentiment_score":0.11374490261077881},{"text":"Okay?","start":2086.535,"end":2087.035,"sentiment":"neutral","sentiment_score":0.13055038452148438}],"sentiment":"neutral","sentiment_score":0.1147952452301979,"channel":0,"num_words":16,"start":2083.095,"end":2087.035},{"sentences":[{"text":"Alrighty.","start":2086.8901,"end":2087.3901,"sentiment":"positive","sentiment_score":0.3697510957717895},{"text":"Thank you so much.","start":2087.61,"end":2088.83,"sentiment":"positive","sentiment_score":0.7779274433851242}],"sentiment":"positive","sentiment_score":0.6962921738624572,"channel":1,"num_words":5,"start":2086.8901,"end":2088.83},{"sentences":[{"text":"My pleasure, Deborah.","start":2089.175,"end":2090.215,"sentiment":"positive","sentiment_score":0.7540724674860636},{"text":"Thank you for your time.","start":2090.215,"end":2091.015,"sentiment":"positive","sentiment_score":0.7758457779884338}],"sentiment":"positive","sentiment_score":0.767680786550045,"channel":0,"num_words":8,"start":2089.175,"end":2091.015},{"sentences":[{"text":"Okay.","start":2090.97,"end":2091.47,"sentiment":"positive","sentiment_score":0.4780973196029663}],"sentiment":"positive","sentiment_score":0.4780973196029663,"channel":1,"num_words":1,"start":2090.97,"end":2091.47},{"sentences":[{"text":"Have a good afternoon.","start":2091.015,"end":2091.995,"sentiment":"positive","sentiment_score":0.5865278840065002}],"sentiment":"positive","sentiment_score":0.5865278840065002,"channel":0,"num_words":4,"start":2091.015,"end":2091.995},{"sentences":[{"text":"You","start":2092.09,"end":2092.33,"sentiment":"neutral","sentiment_score":0.2766844928264618}],"sentiment":"neutral","sentiment_score":0.2766844928264618,"channel":1,"num_words":1,"start":2092.09,"end":2092.33},{"sentences":[{"text":"See you","start":2092.135,"end":2092.455,"sentiment":"positive","sentiment_score":0.4381163418292999}],"sentiment":"positive","sentiment_score":0.4381163418292999,"channel":0,"num_words":2,"start":2092.135,"end":2092.455},{"sentences":[{"text":"too.","start":2092.33,"end":2092.73,"sentiment":"neutral","sentiment_score":0.2673274874687195}],"sentiment":"neutral","sentiment_score":0.2673274874687195,"channel":1,"num_words":1,"start":2092.33,"end":2092.73},{"sentences":[{"text":"later.","start":2092.455,"end":2092.955,"sentiment":"neutral","sentiment_score":0.19854691624641416}],"sentiment":"neutral","sentiment_score":0.19854691624641416,"channel":0,"num_words":1,"start":2092.455,"end":2092.955},{"sentences":[{"text":"Bye.","start":2092.73,"end":2093.23,"sentiment":"neutral","sentiment_score":0.18337500095367432}],"sentiment":"neutral","sentiment_score":0.18337500095367432,"channel":1,"num_words":1,"start":2092.73,"end":2093.23},{"sentences":[{"text":"Bye.","start":2093.495,"end":2093.995,"sentiment":"neutral","sentiment_score":-0.11589770764112473}],"sentiment":"neutral","sentiment_score":-0.11589770764112473,"channel":0,"num_words":1,"start":2093.495,"end":2093.995}]},"summary":{"result":"success","short":"A representative from Oakey Financial calls Deborah to discuss her annual review and financial goals. The annual review is being recorded for quality and training purposes, and retirement goals are discussed. The customer's investment in Australian equities is being moved to a beta shares investment, and the agent provides advice on making additional contributions and recommend additional contributions. The customer discusses their personal and estate planning assets and their risk profile, including their coverage and insurance. The speaker emphasizes the importance of covering life insurance for permanent disability and provides information on risk profiles and returns for a super investment. They also offer assistance with goals and remind the caller to update their ID."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review now. Is now still a good time there for you? Yep. Yeah. Yeah.","start_word":24,"end_word":47,"intents":[{"intent":"Confirm appointment","confidence_score":0.021349227}]},{"text":"I'm going through and updating all of my clients. I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you. Okay? Yep.","start_word":537,"end_word":592,"intents":[{"intent":"Update clients","confidence_score":0.037880126}]},{"text":"It hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you.","start_word":714,"end_word":744,"intents":[{"intent":"Follow up with investment committee","confidence_score":0.58498347},{"intent":"Update investment committee","confidence_score":0.030773373},{"intent":"Confirm change completion","confidence_score":0.00029141235}]},{"text":"Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200.","start_word":744,"end_word":765,"intents":[{"intent":"Move portfolio","confidence_score":0.5542625}]},{"text":"With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX.","start_word":816,"end_word":845,"intents":[{"intent":"Track company","confidence_score":0.01341961}]},{"text":"It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you. But we do wanna make sure this investment is working better for you than Bennelong had in the past. Does that make sense?","start_word":964,"end_word":1012,"intents":[{"intent":"Monitor investment","confidence_score":0.3915817}]},{"text":"Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age.","start_word":1099,"end_word":1120,"intents":[{"intent":"Access super super","confidence_score":0.49533752}]},{"text":"What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you think? Probably 65.","start_word":1164,"end_word":1193,"intents":[{"intent":"Determine age requirement","confidence_score":0.00024157959},{"intent":"Gather information about retirement age","confidence_score":0.0002737933},{"intent":"Discuss retirement age","confidence_score":0.012860357}]},{"text":"And have you thought about what kind of income you might like to be drawing down in those retirement years, or you're not real sure as of yet? No.","start_word":1213,"end_word":1241,"intents":[{"intent":"Discuss retirement income","confidence_score":0.04283062}]},{"text":"The having a look at the rest of your details here, has there been any changes with regard to your work? Have you had a bit of pay rise or a change in role or employer over the last couple of months at all? Or No. No.","start_word":1282,"end_word":1328,"intents":[{"intent":"Inquire about pay rise/role change","confidence_score":0.0035705387}]},{"text":"Contributions wise, I can only see your employer contributions going in. There's nothing here to show nice. me that you're making any additional contributions. No.","start_word":1386,"end_word":1410,"intents":[{"intent":"Discuss additional contributions","confidence_score":0.06257581}]},{"text":"can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as well. Okay?","start_word":1779,"end_word":1814,"intents":[{"intent":"Update advice and make recommendations","confidence_score":0.0015550698}]},{"text":"Other assets now the other thing I had noted here was not so much an asset. It's more of a a liability, but it's your personal loans and credit cards. And we had a total owing of about 60,000. Do you still sort of owe that amount? No.","start_word":2103,"end_word":2150,"intents":[{"intent":"Verify owing amount","confidence_score":0.0034316904}]},{"text":"Is there any other assets that you'd note down at all? Any other cars, boats, caravans, or collections No. or anything of value? No. That's okay. Another good one I do like to try and note down is contents. Do you have contents insurance?","start_word":2159,"end_word":2202,"intents":[{"intent":"Note down contents","confidence_score":0.39077467}]},{"text":"Now the other thing to sort of have a chat about is the estate planning side of things.","start_word":2286,"end_word":2303,"intents":[{"intent":"Discuss estate planning","confidence_score":0.28879645}]},{"text":"Now the other thing to sort of have a chat about is the estate planning side of things. So I'm having a look at your super fund here, and I can see you've got your beneficiary nominated here as Brett Charles Day. Is that still how you want that beneficiary nominated? Is that Mhmm. correct? Yes.","start_word":2286,"end_word":2341,"intents":[{"intent":"Ensure correct beneficiary nomination","confidence_score":0.0040274393}]},{"text":"One thing it does say on here, I've got down here that I've got Brett's details, but I don't have an inkling as to who he is. So you can I have to ask him? So sorry.","start_word":2499,"end_word":2535,"intents":[{"intent":"Provide information","confidence_score":0.11550441}]},{"text":"Is he what relationship is he to you?","start_word":2536,"end_word":2543,"intents":[{"intent":"Inquire about relationship","confidence_score":0.009080942}]},{"text":"Have you also completed or done up a will since you last were married or since you got divorced? Have you had an updated will and power of attorney and things like that put in place? No.","start_word":2600,"end_word":2636,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.28893507}]},{"text":"Well, if you are open to, we can do have a solicitor that we can refer you through to. Would you like us to maybe send through an email that gives you a bit of a rundown on them and the costing of how much it costs to do up a will and or power of attorney just to kind of help the conversation along a little bit?","start_word":2671,"end_word":2738,"intents":[{"intent":"Provide link to solicitor","confidence_score":0.0009968809}]},{"text":"And that'll include sort of power of attorney information because this is really important, you know, having your will done up correctly, having your power of attorney, having someone you you trust that can make those decisions for you.","start_word":2814,"end_word":2852,"intents":[{"intent":"Provide power of attorney information","confidence_score":0.08837191},{"intent":"Verify power of attorney information","confidence_score":0.00013928505},{"intent":"Share power of attorney documentation","confidence_score":0.000012171295}]},{"text":"can you just tell me, are you able to see how much is in my super account at the moment? Absolutely.","start_word":3095,"end_word":3115,"intents":[{"intent":"Inform about current super account balances","confidence_score":0.000061890394},{"intent":"Verify super account balances","confidence_score":0.0012580056}]},{"text":"So the next thing I was gonna let you know is the updated balances. So on your annual review pack there, you had about $286,003.69. As of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good. Okay.","start_word":3116,"end_word":3168,"intents":[{"intent":"Provide update on super account balances","confidence_score":0.013708248}]},{"text":"But your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds.","start_word":3330,"end_word":3350,"intents":[{"intent":"Access super funds","confidence_score":0.13866596},{"intent":"Access superfund","confidence_score":0.18168303},{"intent":"Access superfund funds","confidence_score":0.1490858}]},{"text":"We are happy to, you know, help you along. And Mhmm.","start_word":3424,"end_word":3434,"intents":[{"intent":"Support superfund","confidence_score":0.00047636795}]},{"text":"I can see the benefit payment here that was made out to you then as well. Yeah.","start_word":3554,"end_word":3570,"intents":[{"intent":"Provide benefit payment","confidence_score":0.04591941}]},{"text":"I'm also just having a quick look to see the portfolio you're in. I've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there. But how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything? No.","start_word":3697,"end_word":3759,"intents":[{"intent":"Discuss portfolio","confidence_score":0.08513167}]},{"text":"But how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything? No.","start_word":3734,"end_word":3759,"intents":[{"intent":"Determine knee replacement","confidence_score":0.00041110092}]},{"text":"And did He's they have, like, much in the way of follow-up for you?","start_word":3889,"end_word":3902,"intents":[{"intent":"Evaluate follow-up","confidence_score":0.02664445}]},{"text":"Deborah, the last thing I kinda wanted to touch base on is the insurances. Now the only kind of cover you have at the moment is your life cover there with the MLC. You don't have any TBD income protection or any additional trauma cover. Has anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any Not of them?","start_word":4338,"end_word":4414,"intents":[{"intent":"Addressing concerns about insurance coverage","confidence_score":0.000022625372}]},{"text":"away, so I want him to be able to stop working in the mines and be at home with the dogs if something Yep. were to happen to me. Yeah. Beautiful.","start_word":4582,"end_word":4612,"intents":[{"intent":"Eliminate purpose","confidence_score":0.006016812}]},{"text":"The other type of cover that I do have to discuss is called trauma.","start_word":5099,"end_word":5112,"intents":[{"intent":"Discuss trauma cover","confidence_score":0.060213037}]},{"text":"The last thing I just wanted to run through is a bit of a risk profile questionnaire. So I have kind of gone through and answered most of those questions for the moment there.","start_word":5225,"end_word":5258,"intents":[{"intent":"Address risk profile questionnaire","confidence_score":0.004377396}]},{"text":"Have you ever owned any direct shares or anything in your own name? Nine.","start_word":5278,"end_word":5291,"intents":[{"intent":"Inquire about personal situation","confidence_score":0.0012505584}]},{"text":"When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel? Are you feeling okay?","start_word":5295,"end_word":5360,"intents":[{"intent":"Discuss super future","confidence_score":0.0020034804},{"intent":"Seek advice","confidence_score":0.112577595}]},{"text":"You're not wanting to as super right now. You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure?","start_word":5361,"end_word":5400,"intents":[{"intent":"Express concern","confidence_score":0.057537053}]},{"text":"When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns?","start_word":5505,"end_word":5569,"intents":[{"intent":"Ask about level of risk","confidence_score":0.012751688}]},{"text":"And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past? No.","start_word":5617,"end_word":5649,"intents":[{"intent":"Ask about borrowing for property","confidence_score":0.04804806}]},{"text":"Thank you for that.","start_word":5655,"end_word":5658,"intents":[{"intent":"Express gratitude","confidence_score":0.08265328}]},{"text":"But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you. Okay?","start_word":5967,"end_word":5997,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.09641933}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Deborah. It's Dana from Oakey Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15634335577487946},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.4723294973373413},{"text":"Yourself?","start_word":15,"end_word":15,"sentiment":"neutral","sentiment_score":0.32817137241363525},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":16,"end_word":23,"sentiment":"positive","sentiment_score":0.6599692106246948},{"text":"I had you booked in to go through your annual review now. Is now still a good time there for you? Yep. Yeah. Yeah.","start_word":24,"end_word":47,"sentiment":"neutral","sentiment_score":0.2321525663137436},{"text":"That's fine. Beautiful.","start_word":48,"end_word":50,"sentiment":"positive","sentiment_score":0.4316837787628174},{"text":"And how's your day been so far? Busy. Yep. Well, I try not to take up too much of your time. We'll just sort of run through and have a bit of a chat and look at how things have been going for you, Just sort of also reassess the goals and look at if if we need to update some advice and what we can do moving forward to help you as well. Okay? Yep. Sounds good.","start_word":51,"end_word":128,"sentiment":"neutral","sentiment_score":0.117977112531662},{"text":"Per perfect.","start_word":129,"end_word":130,"sentiment":"positive","sentiment_score":0.4225955903530121},{"text":"Now, Deborah, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. That's fine.","start_word":131,"end_word":165,"sentiment":"neutral","sentiment_score":0.13804027438163757},{"text":"Fantastic.","start_word":166,"end_word":166,"sentiment":"positive","sentiment_score":0.5457094311714172},{"text":"And just to do security there with you as well, we do we are discussing your personal information. I'll just get you to confirm your full name, date of birth, and address I should have on file. Okay. Deborah Louise Rupp. Twenty third Yeah. of June 1975, and 57 Beals Road, Jensen, Queensland.","start_word":167,"end_word":219,"sentiment":"neutral","sentiment_score":0.10353922098875046},{"text":"Perfect. Thank you so much for that.","start_word":220,"end_word":226,"sentiment":"positive","sentiment_score":0.5692145228385925},{"text":"And you've got today off.","start_word":227,"end_word":231,"sentiment":"neutral","sentiment_score":0.32830339670181274},{"text":"That's lovely.","start_word":232,"end_word":233,"sentiment":"positive","sentiment_score":0.5074431300163269},{"text":"Do you have all Mondays off, or is it just a one off for today? No. Every second Monday. Oh, fantastic. I'll make a note of that for you. That way, again, we're not sort of calling you in and out of work hours. We can always try to get you every second Monday to make it easier on you for you as well. Yeah.","start_word":234,"end_word":298,"sentiment":"neutral","sentiment_score":0.15551058948040009},{"text":"Beautiful. That'd be great. Excellent.","start_word":299,"end_word":303,"sentiment":"positive","sentiment_score":0.5398958325386047},{"text":"As part of your annual review, Deborah, is there anything particular you wanted to touch on or anything that you wanted to ask that you wanted me to make sure I discuss with you? No. No. I don't think so. No. That's okay. Not a problem at all. And the other question I wanted to sort of touch base on is when you came on board originally, I know you kinda went through the process and everything, but what was the sort of main reason that you wanted to have a financial adviser? Is there anything particularly you were sort of hoping to get out of having us here?","start_word":304,"end_word":412,"sentiment":"neutral","sentiment_score":0.023502296639965215},{"text":"Well, at that time, I was going through divorce, and my life was in a shambles because, Yeah.","start_word":413,"end_word":430,"sentiment":"negative","sentiment_score":-0.3869694471359253},{"text":"you know Yeah.","start_word":431,"end_word":433,"sentiment":"neutral","sentiment_score":-0.17132779955863953},{"text":"but everything's flattening out, and I feel on the right track at the moment.","start_word":434,"end_word":447,"sentiment":"negative","sentiment_score":-0.4156696498394013},{"text":"Oh, good. That's really good to hear. Well, I'll definitely make sure we keep you on track.","start_word":448,"end_word":464,"sentiment":"positive","sentiment_score":0.5629678964614868},{"text":"Moving forward, I know last year was a little bit all over the place with changes and everything. But moving forward, how often would you like us to maybe do catch ups with you as you sort of wanting to touch base with us once every three months, every six months, or happy with once a year? What would be preferable for you? Month every three months. Yeah. Three months? Yeah.","start_word":465,"end_word":535,"sentiment":"neutral","sentiment_score":0.06567548215389252},{"text":"Beautiful. I'm going through and updating all of my clients.","start_word":536,"end_word":545,"sentiment":"positive","sentiment_score":0.4085644781589508},{"text":"I just sort of making sure that myself and my beautiful admin, you actually spoke to Michelle the other day that we have everything in the calendar so we can touch base every three months and sort of see how things are going for you. Okay? Yep.","start_word":546,"end_word":592,"sentiment":"neutral","sentiment_score":0.24887298047542572},{"text":"Sounds good. Beautiful. Beautiful.","start_word":593,"end_word":596,"sentiment":"positive","sentiment_score":0.5374923944473267},{"text":"Now I just want to run through. I know you had received a bit of an email from us over the past couple of weeks. There was a record of advice noting some changes to come to your portfolio. Do you remember reading that email at all? I do vaguely. Yep. That's okay. Just to give you a bit of a breakdown, essentially, one of your underlying so sorry. One of your underlying investments been along Australian equities has actually been underperforming for the last few months there. So as a business, we decided to remove that out of everyone's portfolio. So that record of advice Mhmm. is letting you know of that change to happen. It hasn't yet completed the change as of the moment, but we are sort of just following up with our investment committee to make sure that change is completed for you. Essentially, we're moving you away from Bennelong, which, as I said, has underperformed, and moving you into the beta shares a 200. So Van Along, as the old managed fund that you had there, their objective was to be, you know, actively managing the part of the portfolio and making sure that they're trying to outperform the market. And many and managed funds can be a little bit more expensive to hold. With the beta shares a 200 investment that we're moving you into, that essentially is more of a passively managed fund that's tracking the top 200 companies on the ASX. One of the good things about this sort of investment is that it follows an industry as a or an index of the top 200 companies. So when a company no longer meets the requirement or the eligibility to be part of that top 200, they are moved out of the index. So then they're moved out of the a 200 as well.","start_word":597,"end_word":908,"sentiment":"neutral","sentiment_score":-0.014010706844811255},{"text":"So that means you're always tracking the top 200 companies regardless of what else is happening there, which is great. And the a 200 investment is also cheaper than Benelung, so you're actually saving in investment fees there as well. So it's bit bit of a a benefit for you on all sorts of areas. It has had a greater and a better track record than Bennelong has, so we do sort of hope and we'll keep monitoring that with you.","start_word":909,"end_word":989,"sentiment":"positive","sentiment_score":0.4532768726348877},{"text":"But we do wanna make sure this investment is working better for you than Bennelong had in the past. Does that make sense? And do you have any other questions there at all in relation to that? No. No. That's fine.","start_word":990,"end_word":1030,"sentiment":"neutral","sentiment_score":0.15601985156536102},{"text":"Perfect.","start_word":1031,"end_word":1031,"sentiment":"positive","sentiment_score":0.4529012441635132},{"text":"Well, we'll keep monitoring and looking that for you. But we are just going back to the investment committee now as well, letting them know that they need to complete that change for you. So I'll make sure that happens, and if there's anything additional we need to come back and talk about with regards to the investments there, we definitely will. Okay? Yep.","start_word":1032,"end_word":1095,"sentiment":"neutral","sentiment_score":0.20860110223293304},{"text":"Sounds good. Beautiful.","start_word":1096,"end_word":1098,"sentiment":"positive","sentiment_score":0.7453023791313171},{"text":"Now when you came on board originally, you had a bit of a goal of wanting to access Super to certain age. I'm having a look at your file at the moment. I believe we had it noted down. It was sorry. I actually don't have an age here. I do apologize. But looking at things at the moment, you're 51 this year. Yes. Yes. What age from now are you hoping to be able to maybe stop working, retire, access to, but what's your goal age at this point, do you think? Probably 65. Yeah. Perfect. 65? Not a problem at all. I'll look at that for you and pop that in here. And have you thought about what kind of income you might like to be drawing down in those retirement years, or you're not real sure as of yet? No. I'm not sure as of yet. Yeah. No. No. That's okay. That's not a problem. You're only 51. You've got a bit of time ahead of you still. We can always come back to that down the track.","start_word":1099,"end_word":1279,"sentiment":"neutral","sentiment_score":0.024612750858068463},{"text":"Beautiful.","start_word":1280,"end_word":1280,"sentiment":"positive","sentiment_score":0.36956787109375},{"text":"Mhmm. The having a look at the rest of your details here, has there been any changes with regard to your work? Have you had a bit of pay rise or a change in role or employer over the last couple of months at all? Or No. No. Still no? in pharmacy. Yep. Beautiful. Our income here I had down was about 60,000. Have you got a pay rise yet? I don't know. Not sure? Not significant No. enough to notice? No. No. Uh-oh. Well, hopefully, you have something coming. You're definitely worth a lot more money. That's for sure. That'd Yeah. be All good. Contributions wise, I can only see your employer contributions going in. There's nothing here to show nice. me that you're making any additional contributions. No. Are you I open haven't to been. doing that? No. That's okay. How would that work? Like, how would I do that? So we've got a couple of ways of doing it. We can always look at it as a salary sacrifice contribution where you we basically just tell your employer how much you want to contribute.","start_word":1281,"end_word":1467,"sentiment":"neutral","sentiment_score":0.03008280465389318},{"text":"We provide a letter to you which you give to your employer, and they start making that additional contribution out of your pretax income.","start_word":1468,"end_word":1491,"sentiment":"positive","sentiment_score":0.3389940559864044},{"text":"There's Uh-huh. another way where if you've got a bit of extra cash at the end of the week, you could be making a regular after tax contribution direct from your bank account. You can pay it in or make it as an EDS transfer. And at the end of the financial year, we can claim what's called a notice of intent against that one. That changes the contribution type, and you can also claim that sort of contribution back on your tax as well as a bit more of a deduction. So Mhmm. yeah. How does your extended sort of look at the moment? Because that can sort of have an effect as to whether we make additional contributions. How are you finding everything, the cost of living at the moment?","start_word":1492,"end_word":1623,"sentiment":"neutral","sentiment_score":0.19165945053100583},{"text":"Well, I mean, it's shit, but it's shit for everyone. It is.","start_word":1624,"end_word":1635,"sentiment":"negative","sentiment_score":-0.5309731364250183},{"text":"Yeah. Absolutely. Yeah. Look.","start_word":1636,"end_word":1639,"sentiment":"neutral","sentiment_score":-0.05158928036689758},{"text":"I probably won't do that at this point in time, Yep.","start_word":1640,"end_word":1650,"sentiment":"negative","sentiment_score":-0.3593325614929199},{"text":"but that's Yep. not to say that I won't Yeah. ever do it, if you know what I mean. Like, until Absolutely. a bit more certainty comes into Yeah. the world Yep. and what's going on and, you know, cost of living and whatever else, I Yep.","start_word":1651,"end_word":1697,"sentiment":"neutral","sentiment_score":-0.18607297539711},{"text":"probably won't wouldn't feel comfortable doing that.","start_word":1698,"end_word":1704,"sentiment":"negative","sentiment_score":-0.5309673547744751},{"text":"Yeah. That's absolutely okay. Yeah. Yeah. But like I said, in the future, we can discuss Alright. it again Yeah. Yeah. Not and a go problem. from I'll there.","start_word":1705,"end_word":1733,"sentiment":"neutral","sentiment_score":0.12859931588172913},{"text":"pop absolutely. I'll pop that one on the back burner there for you when we do catch ups and reviews moving forward. I'll keep bringing it up, and you can let me know when and if you are ready to do so.","start_word":1734,"end_word":1775,"sentiment":"positive","sentiment_score":0.3492903709411621},{"text":"We Yep. can always update the advice to reflect, make a recommendation on additional contributions and look at affects you, but also how it benefits your super and your long term retirement goals for you as well. Okay? Yeah.","start_word":1776,"end_word":1814,"sentiment":"neutral","sentiment_score":0.12061175990563172},{"text":"Beautiful. Lovely. Excellent.","start_word":1815,"end_word":1817,"sentiment":"positive","sentiment_score":0.6180481314659119},{"text":"So other assets, just double checking. I've got only two assets noted here. One is your car. What kind of car do you drive? Mazda two twenty sixteen.","start_word":1818,"end_word":1845,"sentiment":"neutral","sentiment_score":0.046970587223768234},{"text":"Beautiful. Lovely.","start_word":1846,"end_word":1847,"sentiment":"positive","sentiment_score":0.34175407886505127},{"text":"Good on fuel? Yeah. Not too bad. That's good. Is it But still it good on fuel is the question as well. well, I don't Yeah. really drive, Like, I don't drive unnecessarily unless it's Yeah. to go to work or to Yeah. you know? Yeah. Go to work. It's not like I just go for a cruise just because I'm wanting. Perfect. No. Understandable. So Are you? Yeah. No. Lovely. So you're pretty good on fuel most of the time anyway. I just sort of noticed that the fuel price is going up. I'm not sure what they're like around your area, but they're pretty hefty around here on the Gold Coast. So, yeah, we are trying to limit our driving as well, but I've unfortunately got young kids, so it it requires chauffeuring them around still. So it does make it a little bit harder. Well, yeah, I've only got dogs, so I don't Yep. have children. No. It's just as expensive, though. How many dogs do you have? I have two, a purebred Dachshund, Yep. and Beautiful. a 10 old Dachshund cost two hour. Wow. So beautiful. How how old Well have you had your 10 for? Did you get it sort of brand new? yeah. Yeah. We got Yeah. him eight, nine weeks old. Wow. He's the devil incarnations, I think. Oh, he's giving you a run for his money. Oh, yeah. For sure. But, you know Yeah. Oh, yeah. no.","start_word":1848,"end_word":2092,"sentiment":"neutral","sentiment_score":-0.037094760686159134},{"text":"That's that's so beautiful. I love that. It's gorgeous.","start_word":2093,"end_word":2101,"sentiment":"positive","sentiment_score":0.48968231678009033},{"text":"Other assets now the other thing I had noted here was not so much an asset. It's more of a a liability, but it's your personal loans and credit cards. And we had a total owing of about 60,000. Do you still sort of owe that amount? No. That's all done.","start_word":2102,"end_word":2152,"sentiment":"neutral","sentiment_score":-0.015105784870684149},{"text":"Oh, perfect. Completely cleared out. Fantastic.","start_word":2153,"end_word":2158,"sentiment":"positive","sentiment_score":0.5822115540504456},{"text":"Is there any other assets that you'd note down at all? Any other cars, boats, caravans, or collections No. or anything of value? No. That's okay. Another good one I do like to try and note down is contents. Do you have contents insurance? No. Well, I currently live with my partner, so no. Okay. No. Perfect. And are you paying him No. rent at all? Or nope. That's okay. So no completely rent free. Love that. Beautiful. And do they own their own home? Or Yes. He does. yeah.","start_word":2159,"end_word":2248,"sentiment":"neutral","sentiment_score":0.03336190804839134},{"text":"Beautiful. Fantastic. Lovely. Thank you for that.","start_word":2249,"end_word":2255,"sentiment":"positive","sentiment_score":0.5925472378730774},{"text":"Well, if there is any other changes, we'll definitely make sure we keep updated with you and and have those altered. It's not a problem at all. All good. Mhmm. Now the other thing to sort of have a chat about is the estate planning side of things. So I'm having a look at your super fund here, and I can see you've got your beneficiary nominated here as Brett Charles Day. Is that still how you want that beneficiary nominated? Is that Mhmm. correct? Yes. Yes. Yep. Okay. So that's correct. We'll keep it as it is. One of the good things about your beneficiary nomination you have is that it is binding nonlapsing. That essentially means that so long as the nomination is valid, which it looks like it is, the trustee is bound to follow the direction you've made. And non lapsing means you don't have to recomplete that form every couple of years, which is a benefit to you. The downside is that if anything changes and you wanted to alter or change that beneficiary, we need to make sure we, you know, follow-up and Mhmm. check it with you every year and update. So we will go through each each time we talk and just make sure that's still appropriate. And when and if you decide you wanna have that changed, you just let us know. We'll help you out with that. Okay? Yep. Sure.","start_word":2256,"end_word":2495,"sentiment":"neutral","sentiment_score":0.11610321700572968},{"text":"So you're beautiful.","start_word":2496,"end_word":2498,"sentiment":"positive","sentiment_score":0.5938063859939575},{"text":"One thing it does say on here, I've got down here that I've got Brett's details, but I don't have an inkling as to who he is. So you can I have to ask him? So sorry. Is he what relationship is he to you? He's my partner.","start_word":2499,"end_word":2546,"sentiment":"neutral","sentiment_score":0.012429299764335155},{"text":"Beautiful. Stuffed. Lovely.","start_word":2547,"end_word":2549,"sentiment":"positive","sentiment_score":0.521033525466919},{"text":"Just so I note that down correctly for you.","start_word":2550,"end_word":2558,"sentiment":"neutral","sentiment_score":0.332759827375412},{"text":"Thank you so much for that. Lovely. And everything's going really well for you both at the moment?","start_word":2559,"end_word":2576,"sentiment":"positive","sentiment_score":0.47829943895339966},{"text":"Mhmm. Yeah. No. Everything's good.","start_word":2577,"end_word":2581,"sentiment":"neutral","sentiment_score":0.1346808820962906},{"text":"Beautiful. Just That's really getting good to older hear.","start_word":2582,"end_word":2590,"sentiment":"positive","sentiment_score":0.39351069927215576},{"text":"and, you know, Yes. work. Yes. Yes. Yes. Absolutely. Have you also completed or done up a will since you last were married or since you got divorced? Have you had an updated will and power of attorney and things like that put in place? No. Not yet. No. No. That's okay. It's something that's on your mind that you have sort of thought about doing? Yeah. Brett and I were actually discussing that today.","start_word":2591,"end_word":2665,"sentiment":"neutral","sentiment_score":0.030496740713715553},{"text":"Oh, fantastic. That's really good.","start_word":2666,"end_word":2670,"sentiment":"positive","sentiment_score":0.39244017004966736},{"text":"Well, if you are open to, we can do have a solicitor that we can refer you through to. Would you like us to maybe send through an email that gives you a bit of a rundown on them and the costing of how much it costs to do up a will and or power of attorney just to kind of help the conversation along a little bit? There's no obligation to use them in any way. It's just more of a reference point, for you to have that conversation, talk about what you're after and what you want, and and look at the, you know, expected cost of doing so. Yeah. Send it through, and we'll have a look. Yep. Yep.","start_word":2671,"end_word":2792,"sentiment":"neutral","sentiment_score":0.11630773544311523},{"text":"Beautiful.","start_word":2793,"end_word":2793,"sentiment":"positive","sentiment_score":0.39916354417800903},{"text":"Not a problem at all. I will organize that email for you this afternoon after the call.","start_word":2794,"end_word":2810,"sentiment":"neutral","sentiment_score":0.18027243544073665},{"text":"Fantastic. Mhmm. Excellent.","start_word":2811,"end_word":2813,"sentiment":"positive","sentiment_score":0.5620340704917908},{"text":"And that'll include sort of power of attorney information because this is really important, you know, having your will done up correctly, having your power of attorney, having someone you you trust that can make those decisions for you. But one of the things I have speak a lot about with my with my, you know, clients is making sure that not only that you've got someone nominated, but you have the conversation with them around what you want them to do, how you want them to react is really important as well. I find a lot of people have a power of attorney in place, and then it becomes news to the attorney. They go, I don't even know what I'm supposed to do. So just having a conversation. It's not an easy conversation. It can be really difficult to have, but it is really important to talk to your attorney. Let them know what you want to happen, how you want them to act in certain instances, or if there's some a a set direction that you want them to follow for you. Okay. Yep. Okay. Yep.","start_word":2814,"end_word":3002,"sentiment":"neutral","sentiment_score":0.12672655284404755},{"text":"Perfect.","start_word":3003,"end_word":3003,"sentiment":"positive","sentiment_score":0.4114208221435547},{"text":"But we'll get that email through. If you do find you have any additional questions, you're more than welcome to let us know. Okay.","start_word":3004,"end_word":3027,"sentiment":"neutral","sentiment_score":0.20781633257865903},{"text":"Sounds good. Beautiful.","start_word":3028,"end_word":3030,"sentiment":"positive","sentiment_score":0.43067222833633423},{"text":"I've got your insurance here in front of me. So at the moment within Netwealth there, I know you've already seen the annual review pack, and you've kind of signed all the documents there. Did you happen to have a bit of a look through the documents as well, look for the reports and balances and things like that? Yes. I did. But Mhmm. can you just tell me, are you able to see how much is in my super account at the moment? Absolutely. So the next thing I was gonna let you know is the updated balances. So on your annual review pack there, you had about $286,003.69. As of today's date inside the super itself, you've actually got $290,002.82, so it has gone up since we sent that pack to you, which is good.","start_word":3031,"end_word":3167,"sentiment":"neutral","sentiment_score":0.13972929120063782},{"text":"Okay. That's awesome.","start_word":3168,"end_word":3170,"sentiment":"positive","sentiment_score":0.5106746554374695},{"text":"Yeah. Yeah. Yeah. Now that the amount of the super is Yes. from, obviously, my ex husband or most of it Yep. because I took most of his super, but you know? Anyway, is there if I need to not saying I need to now, Mhmm. but if financial difficulty becomes you know? Am I able to access any of that? You they do have hard hardship provisions, and that is completely plausible with the safety that you do have here. It's not a problem at all. There are conditions for hardship, though. So in order to be claim financial hardship, you do have to be on Centrelink for twenty six weeks because one of the requirements is they request what's called the case the q two thirty letter, and that's only provided by Centrelink. So if you are in hardship, you've just gotta show that you've been on Centrelink for about twenty six weeks and provide that letter. But your super you have here, if you meet those conditions under hardship, you absolutely can, try to access the funds. There is a bit of a process to go through for claiming. Like, they wanna see bank statements and show that you don't have any additional income coming in anywhere else and that, you know, you are have been on settling and that life is a little bit hard, and the Superfund does that assessment. But if you ever wanna look at claiming that or if you are struggling, please let us know.","start_word":3171,"end_word":3423,"sentiment":"neutral","sentiment_score":0.044107865542173386},{"text":"We are happy to, you know, help you along.","start_word":3424,"end_word":3432,"sentiment":"positive","sentiment_score":0.6170437335968018},{"text":"And Mhmm. on the other side, if you can't claim hardship through Super, you don't quite meet those requirements, we could also look at doing some cash flow and budgeting advice with you as well as part of our job here, and we could always help you along that that side of things as well. Okay? Yeah. I've Yeah. I have accessed my super couple of years twelve months ago Yep. to get my knee replaced. Yep.","start_word":3433,"end_word":3509,"sentiment":"neutral","sentiment_score":0.12894853949546814},{"text":"So that was real you guys were really helpful with getting all the the paperwork and everything I needed for the knee replacement, so that For was the good.","start_word":3510,"end_word":3538,"sentiment":"positive","sentiment_score":0.35414010286331177},{"text":"claim.","start_word":3539,"end_word":3539,"sentiment":"neutral","sentiment_score":0.19563350081443787},{"text":"Oh, that's really good to hear. I'm glad you had a great experience there. I can see the benefit payment here that was made out to you then as well.","start_word":3540,"end_word":3569,"sentiment":"positive","sentiment_score":0.5599879205226899},{"text":"Yeah.","start_word":3570,"end_word":3570,"sentiment":"neutral","sentiment_score":0.30029961466789246},{"text":"Perfect.","start_word":3571,"end_word":3571,"sentiment":"positive","sentiment_score":0.4715149998664856},{"text":"Yeah. Yep. So and, yeah. Oh, it didn't take that much out because I have private health, but Yeah. it seems to be performing well that it's actually increasing. Yes. Yeah.","start_word":3572,"end_word":3602,"sentiment":"neutral","sentiment_score":0.14923666417598724},{"text":"And that's really good.","start_word":3603,"end_word":3606,"sentiment":"positive","sentiment_score":0.5792466402053833},{"text":"I mean, this year, we have with the fact that Benelon's been underperforming, and we have seen a bit of volatility in the market with what's happening there globally at the moment. Yep. But, you know, you've mentioned you don't wanna retire to the age of 65, so you've got a bit of time. You've got longer than ten years ahead of you to be able to stay invested and wait out what's happening currently before you're accessing your super there. So Yeah. That's it true. is good. Yeah.","start_word":3607,"end_word":3695,"sentiment":"neutral","sentiment_score":0.06357665359973907},{"text":"Beautiful.","start_word":3696,"end_word":3696,"sentiment":"positive","sentiment_score":0.3516044616699219},{"text":"I'm also just having a quick look to see the portfolio you're in. I've got an inkling by looking at it here, but I just wanted to sort of have a good look in your file there. But how has everything been since your knee replacement? Are you finding it's a lot better? Are you still having pain and discomfort or anything? No. How's that been? Not at all. Not Oh, good. at all.","start_word":3697,"end_word":3770,"sentiment":"neutral","sentiment_score":0.058206066489219666},{"text":"It was the best thing I have ever done.","start_word":3771,"end_word":3779,"sentiment":"positive","sentiment_score":0.34921714663505554},{"text":"And my surgeon, he's, I don't know if you follow football at all, but I do. he he what team do you support? Me? I know this guy's a bit controversial, but I'm a NRL supporter, and I support the storm. Oh, so you weren't happy on the weekend? No. No. Not at all. I was extremely happy. I bet you were. Yeah. So my surgeon operates on the cowboys. Oh, wow.","start_word":3780,"end_word":3851,"sentiment":"neutral","sentiment_score":-0.0003805375017691403},{"text":"That is fantastic.","start_word":3852,"end_word":3854,"sentiment":"positive","sentiment_score":0.494816780090332},{"text":"You had a good surgeon. Well, I was in the hospital for less than twenty hours with a total knee replacement. Wow. And four hours after surgery, I was walking stairs. Really?","start_word":3855,"end_word":3886,"sentiment":"neutral","sentiment_score":0.05991213396191597},{"text":"That's fantastic.","start_word":3887,"end_word":3888,"sentiment":"positive","sentiment_score":0.7936698794364929},{"text":"And did He's they have, like, much in the way of follow-up for you? Did you have to go back a few times and I saw him at six weeks. mhmm. I wasn't meant to go back to work for six weeks, but I went back after three. Yep. I work in a pharmacy, so it's not sort of strenuous. And when I went back after six weeks, the surgeon came and saw me, and he said, oh, you're doing really well for six months. And I said, did you just say six months? And he goes, yeah. And I said, well, Wow. it's been six weeks. And he goes, well, Wow.","start_word":3889,"end_word":4000,"sentiment":"neutral","sentiment_score":0.03005957417190075},{"text":"you're doing amazing. That is fantastic.","start_word":4001,"end_word":4006,"sentiment":"positive","sentiment_score":0.5897855162620544},{"text":"So but, yeah, he didn't know that I was already back at work and driving Yep. and stuff. But Wow. at that time, I'd only just started that job, so it's not like I could take six weeks off work. Do you know what I mean? No. Of course. Yeah. Definitely. So but Wow. yeah. No. It's the best thing I've ever done.","start_word":4007,"end_word":4069,"sentiment":"neutral","sentiment_score":0.025645004585385323},{"text":"Oh, that's fantastic. That's good.","start_word":4070,"end_word":4074,"sentiment":"positive","sentiment_score":0.5574719905853271},{"text":"And I'm glad you've had not much pain because one of the things I do here when a lot of people have, like, knee replacements and knee surgery is the ongoing effect, and a lot of people still end up with a lot of pain and discomfort long term.","start_word":4075,"end_word":4123,"sentiment":"neutral","sentiment_score":0.17347843945026398},{"text":"So it's really good that you're not having any of that. You've basically got your quality of life back to normal.","start_word":4124,"end_word":4144,"sentiment":"positive","sentiment_score":0.5285575985908508},{"text":"Yeah. Well, when we went back for the sixth week, you know, follow-up, Yeah. I met a guy that was going to the doctor the same time, and Yep. we were operated on the same day. Wow. And I had a a walker because that's Yep. what my surgeon wanted, and it was more for show. Yeah. Right. Like, I could walk without it. You know, it was just to make the surgeon feel good. Yep. But this other guy, he was, yeah, he was in a world of hurt, and he was really relying on the walker where I'm just pushing it just because the surgeon said I had to. Yeah. Yep.","start_word":4145,"end_word":4257,"sentiment":"neutral","sentiment_score":-0.010568033541198323},{"text":"So but, no, everything was good, and, yeah, glad I had it done. And the help that I got from you guys to access the super and that sort of thing to actually get it done was just Yes. amazing. So Oh, that's really good. Really glad to hear. Well, I definitely hope we can continue to provide that good service to you and make sure we're helping you along with those goals there.","start_word":4258,"end_word":4331,"sentiment":"positive","sentiment_score":0.48693791031837463},{"text":"Okay. Yep. Alrighty.","start_word":4332,"end_word":4334,"sentiment":"neutral","sentiment_score":0.24700133502483368},{"text":"Beautiful. All good.","start_word":4335,"end_word":4337,"sentiment":"positive","sentiment_score":0.5014169812202454},{"text":"Deborah, the last thing I kinda wanted to touch base on is the insurances. Now the only kind of cover you have at the moment is your life cover there with the MLC. You don't have any TBD income protection or any additional trauma cover. Has anyone kind of ever gone through and spoken to you in-depthly around those sorts of covers and what they are, how they work, and if you wanted any Not of them? really. No. Not No. really. That's alright. That's okay. So I'll start with the life. The life cover you have currently of some insured there of 336,208. In the event of passing away, your life benefit can be paid out to your beneficiary, but then also your super gets paid out on top of that as well. So you've got a good benefit there. Bit over Yep. almost bit over $600,000 there, which could be paid out to your beneficiaries. I can't quite see. I've been trying to look to see who the beneficiary was on your last cover. I can't see if that's been changed. But did you want that to be Brett as well, or did you want that to be somebody else? Neither Brett. Because Right. if something was to happen to me, Yep. the money that Brett receives would be to make sure my my dogs are looked after because I don't have kids. So Yeah. and No. That's he works beautiful. away, so I want him to be able to stop working in the mines and be at home with the dogs if something Yep. were to happen to me. Yeah.","start_word":4338,"end_word":4610,"sentiment":"neutral","sentiment_score":-0.010690602013370493},{"text":"Beautiful. Beautiful.","start_word":4611,"end_word":4612,"sentiment":"positive","sentiment_score":0.6055967807769775},{"text":"Well, the amount of benefit based on the current amounts I have here would give him approximately $622,005.77 as your spouse can receive that essentially tax free. Are you comfortable Mhmm. you're happy with that level of cover that he may receive between your super and your life insurances? Are you wanting to reassess those amounts at all? No. I'm I'm pretty happy with that, and I'm sure Yep. he will be too because it'll give him a chance to quit the mines and work in town where he the dogs can be Yep. looked after and whatever. Yeah.","start_word":4613,"end_word":4711,"sentiment":"neutral","sentiment_score":0.20803189277648929},{"text":"Beautiful. Beautiful.","start_word":4712,"end_word":4713,"sentiment":"positive","sentiment_score":0.5282018780708313},{"text":"Now the other types of cover that we have noted here are that you don't currently have are things like total permanent disability. So, essentially, if you are off work or unable to go back to work ever again, do you feel like you would need a level of insurance to maybe fall back on, or do you think, you know, Brett would have enough money coming in to cover all of your joint expenditure? How do you sort of feel? Yeah. No. Yep. I'm pretty good with that. Yep. That's okay. The other thing I do like to point out is with your super that if you are totally permanently disabled, we can claim on permanent incapacity so you can have your super released. It is Uh-huh. really important that under permanent incapacity, if you claim and you're under the age of 60, then tax is a factor to take into account because you do pay tax on that withdrawal amount. But as advisers, we would provide financial advice to you to help you to limit that and make sure your super keeps working for you as long as possible. Okay? Yep. Alrighty. Yep.","start_word":4714,"end_word":4908,"sentiment":"neutral","sentiment_score":-0.0067359525710344315},{"text":"Beautiful.","start_word":4909,"end_word":4909,"sentiment":"positive","sentiment_score":0.5011969804763794},{"text":"Same again with income protection. That essentially you don't have any there, but income protection pays out a monthly benefit in the event that you're unable to go to work in the short term due to illness or injury. You're happy not having income protection. Did you wanna look at that? You sort of mentioned before that Brett earns enough to cover both of you if you're unable to work. Yeah. No. Look. I'm happy Yep. with what what's happening at the moment, but Yep. that's not to say the next time we talk, I might change my mind and Beautiful.","start_word":4910,"end_word":5010,"sentiment":"neutral","sentiment_score":0.018953511325439605},{"text":"Absolutely. And that's one of the benefits of the conversation, the review, is that I can give you the information you need.","start_word":5011,"end_word":5032,"sentiment":"positive","sentiment_score":0.4882907271385193},{"text":"And whilst right now you're going, I'm not really worried about that, you know, things could change on the track, and you might call me and go, hey. I think we need to maybe look at this, and then we can absolutely have more of an in-depth conversation really not at what you might want at that particular time. But that's absolutely okay. Alrighty. Alright?","start_word":5033,"end_word":5097,"sentiment":"neutral","sentiment_score":0.129477396607399},{"text":"Perfect.","start_word":5098,"end_word":5098,"sentiment":"positive","sentiment_score":0.5410193204879761},{"text":"The other type of cover that I do have to discuss is called trauma. Trauma, you can't hold inside super like you can the other insurances. It tends to pay out a lump sum tax free benefit in the event that you're diagnosed with, say, a traumatic illness, the things like cancer, Parkinson's, having a heart attack or a stroke. So very major sorts of conditions there. It is all paid out of your back pocket, and then our living expenses can be extremely high at the moment. So, again, you're happy just to not worry about that right now, or did you want me to Yeah. sort of talk No. more about No. it? No. I'm all good. That's okay. Not a problem at all. The last thing I just wanted to run through is a bit of a risk profile questionnaire. So I have kind of gone through and answered most of those questions for the moment there. But the first one I had here now, looking back, you've never owned any investments outside of super. Have you ever owned any direct shares or anything in your own name? Nine. Nope. That's okay.","start_word":5099,"end_word":5293,"sentiment":"neutral","sentiment_score":0.008981009653936594},{"text":"Beautiful.","start_word":5294,"end_word":5294,"sentiment":"positive","sentiment_score":0.5017449259757996},{"text":"When you think about what's happening in the world generally at the moment and the way the markets are reacting, If you say you saw your super fall by, say, 20% over the next twelve months, which is a possibility depending on what happens in the next few months with the markets there, how do you think that might make you feel? Are you feeling okay? You're not wanting to as super right now. You might wanna hold and wait and call us and see what's going on, or are you feeling quite concerned about that and maybe wanting to move money to something more secure? How do you think you might react and feel? I'm at well, I would if something like that were to happen, I'd ring you and Yeah. get your advice as to what the best, but I'm pretty happy the way that you guys are looking after my super for me Oh, and that's lovely.","start_word":5295,"end_word":5454,"sentiment":"neutral","sentiment_score":-0.006043704226613045},{"text":"Thank not you.","start_word":5455,"end_word":5457,"sentiment":"positive","sentiment_score":0.3767735958099365},{"text":"having not me having to go, oh my god. What do I do? What do I do? Yes. I'd rather have Yep. someone who understands what's going on and Yep. what's best to achieve the goals that we've spoken about. Yeah. Absolutely.","start_word":5458,"end_word":5499,"sentiment":"neutral","sentiment_score":0.04318629950284958},{"text":"Fantastic. I love that answer.","start_word":5500,"end_word":5504,"sentiment":"positive","sentiment_score":0.5256286859512329},{"text":"When you think about the level of risk that you're comfortable taking inside Super to get greater potential returns between now to retirement, do you consider yourself to maybe be happy taking on a higher level of risk to get greater returns, maybe a medium or moderate amount of risk to get the best returns you can, or next to no risk for lower returns? How do you see yourself sitting in there? Probably the medium to moderate. Yep. Beautiful. Excellent. And when we think about your super, am I right you're looking to try and get the best returns you possibly can out of your super? Yeah. Yep. Yeah. Lovely. Excellent. And the last one here is have you ever thought about borrowing to invest, or would you ever consider borrowing for property, or have you ever borrowed for property in the past? No. Nope. That's okay.","start_word":5505,"end_word":5652,"sentiment":"neutral","sentiment_score":0.07898561656475067},{"text":"Perfect. Lovely. Thank you for that.","start_word":5653,"end_word":5658,"sentiment":"positive","sentiment_score":0.4859939217567444},{"text":"So I'm just going through tallying those up there for you now. You've scored in that growth environment there, so you are currently in a growth portfolio, which generally sees about 80% of your super in growth investments, so things like Australian shares, international shares, listed property, and some commodities, things like gold and silver as well. The Mhmm. other 20% tends to be in lower risk investments, like cash, bonds, and fixed interest. So those growth investments are where you're looking to get a greater potential return. It does see you taking on a bit more risk to try and get that, but having a mix of those low risk investments like cash, bonds, and fixed interest type thing things helps to mitigate long term market volatility. Do you feel like you're pretty comfortable in that sort of environment for the moment, or did you want me to kind of look at altering that for you? No. No. I'm pretty comfortable. Yeah.","start_word":5659,"end_word":5821,"sentiment":"neutral","sentiment_score":0.13826659321784973},{"text":"Beautiful.","start_word":5822,"end_word":5822,"sentiment":"positive","sentiment_score":0.42859965562820435},{"text":"Well, the growth of portfolio generally suits someone who has about six years before they're wanting to access their super. So because you're 51 and you've got till 65 there, you do have that time horizon to withstand the ups and downs in the market. This sort of portfolio is generally looking to sort of get generally between sort of about an eight to 10 sorry. Seven to 9% return on a yearly basis there over the longer term, and we can expect the likelihood of a negative return sort of one in every five years with this. That's why we like you to have that sort of 60 time horizon. So, I mean, looking at where you are in your agent's day, you're fine to be in that growth portfolio. It suits your your tolerance and your capacity you have at the moment. But if you're ever nervous, you're welcome to let me know, and I'm more than happy to readjust and talk about what we can do with the portfolio for you. Okay? Yep.","start_word":5823,"end_word":5998,"sentiment":"neutral","sentiment_score":0.08002492785453796},{"text":"Sounds good. Beautiful.","start_word":5999,"end_word":6001,"sentiment":"positive","sentiment_score":0.4911353290081024},{"text":"Do you have any questions generally about anything that we have gone through or anything that you might want me that I haven't touched on for you? No. No.","start_word":6002,"end_word":6030,"sentiment":"neutral","sentiment_score":0.12671098113059998},{"text":"I'm No.","start_word":6031,"end_word":6032,"sentiment":"negative","sentiment_score":-0.33991339802742004},{"text":"pretty happy even. Yep. Like, if I think of something down the track, Yeah. every time I ring, it's really easy to get some someone to talk to. Yeah.","start_word":6033,"end_word":6061,"sentiment":"neutral","sentiment_score":0.06495895082580633},{"text":"No. That's fantastic. That's really great.","start_word":6062,"end_word":6067,"sentiment":"positive","sentiment_score":0.7282572984695435},{"text":"Is there any other goals that you might have between now to retirement or over the next couple of years that you might be sort of thinking about trying to achieve? Or WinMoto, but, you win know a lottery? yeah. It'd be nice, No. but, no, Absolutely. there's no other as long as, like I said, if something happens to me that Brett's able to give up work to be not give up work, but able to leave the mines to look after the the dogs because they're my family. Yeah. Absolutely. No. Not a problem at all.","start_word":6068,"end_word":6165,"sentiment":"neutral","sentiment_score":0.0871424525976181},{"text":"Fantastic.","start_word":6166,"end_word":6166,"sentiment":"positive","sentiment_score":0.4718028306961059},{"text":"Well, I've sorry. Popped a little thing in my calendar. So in three months' time, we'll make sure Michelle gives you a call. We'll book you into a little bit of a catch up and see where things are going there. I'll go back and just make sure that this standalone investment continues to be sold down and swapped over for the a 200 there for you. Yeah. I have just noticed on your file your ID has expired. So if it's okay, we'll send you a little text message after. If you can just provide your updated ID for us, it's just really important we do have that up to date on file, if that's okay. Yeah. Yeah. Yeah. And, look, if you ever are speaking to anyone and they're talking about their super or anything, please feel free to give them my information.","start_word":6167,"end_word":6311,"sentiment":"neutral","sentiment_score":0.048749037086963654},{"text":"I'm more than happy to help anyone else with their goals there as well.","start_word":6312,"end_word":6325,"sentiment":"positive","sentiment_score":0.4290753901004791},{"text":"I love the super insurances and and I've been an adviser, so please feel free to pass Yep. them all of the information.","start_word":6326,"end_word":6348,"sentiment":"neutral","sentiment_score":0.28522005677223206},{"text":"We're really happy that you've had a great experience with us, and I'll do everything we can to continue that for you.","start_word":6349,"end_word":6370,"sentiment":"positive","sentiment_score":0.5872962474822998},{"text":"Alrighty. Sounds good. Okay? That's okay. Before I do go so sorry, Deborah. I just wanna double check. Now part of that packet you did find was the ongoing service agreement. Do you understand how our ongoing fees were? Did you have any questions in relation to that? Or No. I'm all good. no. I'm very, All good? very happy with everything at the moment.","start_word":6371,"end_word":6435,"sentiment":"neutral","sentiment_score":-0.002267626787607486},{"text":"So Beautiful. Well, thank you so much for your time today. I'll let you go. I appreciate you taking your time out of your day to have a chat to me.","start_word":6436,"end_word":6466,"sentiment":"positive","sentiment_score":0.6133196353912354},{"text":"We'll Yep. touch base in about three months unless there's anything that you need in the meantime. Okay?","start_word":6467,"end_word":6484,"sentiment":"neutral","sentiment_score":0.1294821947813034},{"text":"Alrighty. Thank you so much. My pleasure, Deborah. Thank you for your time. Okay. Have a good afternoon. You See you too.","start_word":6485,"end_word":6506,"sentiment":"positive","sentiment_score":0.6044620275497437},{"text":"later. Bye. Bye.","start_word":6507,"end_word":6509,"sentiment":"neutral","sentiment_score":0.1775304675102234}],"average":{"sentiment":"neutral","sentiment_score":0.0985610941163216}}}}