{"metadata":{"transaction_key":"deprecated","request_id":"01a10f26-01d5-7561-acc3-9b6ddd6e950f","sha256":"80aa2de52123ae82542a12f06e6cbae39c6a76fc2f6c4e79b9423f8d0258328d","created":"2026-10-06T02:58:34.612Z","duration":1536.6959,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5341,"output_tokens":132},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5950,"output_tokens":5962},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5950,"output_tokens":897}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Kaushik. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing? Yes. Right. Doing fantastic. It's a beautiful, rainy day on the Gold Coast. What about in Victoria? Yeah. That's the thing about Victoria I find is it tends to just bounce around, and it can be summer and winter on every couple of days. Perfect. Perfect. Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review. Just wondering if you've still got some time for me. No worries at all. What I'll do is I've got a bit of an email pack to send through to you. And just while I'm sending that through, I'll just go through security with you. So whenever you're dealing with an adviser, I'm registered with ASIC as adviser one two seven three one 05. Can I please confirm your date of birth and address that we would have on file? Yep. Perfect. And are you okay for the call to be recorded? Amazing. For your email address, are you still okay for the the Ymail? Cool. So I'll pop that through. That's the one. Now what I've got in front of me at the moment is just your your client fax line with all of your details. Now I'll start off with updating a few details, and then I'll dive into some options for you. In terms of the property purchase, So I'm having a look here. We've got an investment property already on file, so I'm assuming you've now got a second. Yep. Perfect. Perfect. So from the sale of that property, can I just take down the property value and loan on the new property? Yep. Sold for $6.35. And for the new one, what would... I can do a bit of an online valuation, but I'm assuming that's 26 Brompton Court. And do you know how much you've got owing left on that one now after the sale? Yep. And in terms of the value, is that around 1.3? Perfect. So I've got that added down. Now just in terms of the insurance side of things, so part of that pack I've sent you just includes the summary of how the super has been going, your towel certificate of currency for the insurances, update service guides with us, and a couple of consent forms. You have currently 750,000 just under of life and TPD insurance for total disability. Are you wanting to kind of match the new debt exactly? Do you want me to do some... Yep. So just a a straight up matching quote? Alright. Now in terms of when that was put in place, that was October 2022. I'll do an alteration quote with Tao. In addition to that, do you want me to kind of do normally do a bit of a comparison with the other insurers to see if someone will offer, you know, above 1,000,000 for a cheaper price? Do you want me to look into some alternative? Absolutely. I always try and make sure that if we're gonna replace a policy, we replace it with either something that's as good quality, but for the cheaper price, not really skimping on one or the other. Now from 2022, call it August... Sorry, October 2022, have you had any health changes or new diagnosis, medications, or concerns that I would have to factor in. Because if there's been, like, a shoulder reconstruction in between then and now, you might get an exclusion on a new policy, and I just have to be careful with the underwriting research. Cool. So anything that we use previously for towel, we can just use that for the new provider if we find one. Perfect. There's no trauma insurance, but there is income protection. So I'll just quickly check that one with you. That's covering you for 10,358 a month. That is a 70% policy, so it's protecting an income now of about 177,000. I know you're on about one sixty plus bonuses previously. What's the income looking like at the moment? One sixty six. No. That's perfect. Yeah. So what they usually do, it's an indemnity policy. So what tends to happen is, let's say you're... You've got a waiting period and a benefit period. If you're off work for four weeks, you do a claim. You basically give them your twelve month income, and they go, okay. Base is $1.66. You've had, let's say, 16,000 of bonuses, for example. If that covers the amount that you're insured for, then you get paid the maximum that you're insured for. If for some reason that you only earn a 140,000 on paper, then they can only pay you a percentage on the income that you lost. So that'll work out pretty well? No. That's perfectly fine. Yep. Yep. On top. Yeah. So I don't think you would have any problem with the claim. If for whatever reason you aren't... Like, you aren't zero bonuses for an entire year, then you might get paid a slightly lower amount if you were to claim. But I don't see any issues there. And as long as 10,000 a month would cover your expenses, probably not any reason to kind of change the the policy amounts at this point. I think that's looking. A little bit? Correct. Yeah. After four weeks. If... Yeah. Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period. So let's say the doctor says, oh, you broke your leg. You have to take off three months, six months, whatever it is. And let's say for three months, you're you're still off work, you go into the doctor, and the doctor says, oh, you need another two months off. That is what the basis is for the claim, and they can pay you monthly for up to your benefit period of five years per injury, per claim, and illnesses as well. Yep. Covers both. And generally speaking, if you're off work for more than five years, you probably get the TPD claim. You know, doctors would probably say you're not likely to return to work. So there's that lump sum million dollars, whatever the amount is, after that. Correct. No. So that's the only thing that's not covered is unemployment or redundancy. It's not legal for them to offer, like, unemployment insurance like in The US. That's all, you know, Centrelink or contract based. So just illness and injury. Okay. Leave it as is. That's no worries at all. I've got your updated income added. I'm just adding it to the file. $1.82, including bonuses, 600, and super on top. That's perfect. Just quickly on terms of other assets and liabilities, and you haven't changed the occupation title. You're still senior consultants with NAB? Perfect. Uning degree qualified, so that's perfect. In terms of family side of things, we have you married with two dependents, the boys. I'm just double checking. So for the beneficiary nominations, we're nominating your partner to receive the super. Correct? Correct. Okay. So I don't see it on there on the hub account currently. Are you okay for me to kind of post out one of the forms there to get her nominated? Yep. Perfect. And just quickly, like, a side piece to that in terms of estate planning, you don't have, like, a will or a power of attorney in place? Yeah. Oh. Yep. I will cost no cost. Alright. So you don't need to talk to any lawyers or anything. Just go through the union, essentially. Yep. No worries at all. So we'll just do the beneficiary nominations and leave the will alone at this point. And just lastly, in terms of the assets and liabilities, we had a car, some savings, and offset account in crypto listed. Do you mind if I just quickly update those values with you? Cool. Still no car loan? Cool. Savings and offset, we had kind of split, like a savings account of about 12,000, offset account of about 80,000. I'm not sure how much you have to mix in for the property purchase. Yep. K. So I'll clear that out. No worries. 40 5. So liquid cash that you could access if you needed to. Perfect. And just lastly, do you still have any sort of crypto investments that you're adding to over time, or is it just kind of sitting there growing? Cool. Do you want me to clear that out as zero like it's been sold, or is there still just a 6,000 floating around? Yep. No worries. Yep. Wait and see. So no advice on the personal investment. Perfect. I'll swing over into the super there. So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well. Now... Sorry. Go for it. Yeah. No worries. That's okay, mate. With the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has. Now I'll base that on your new income with what the employer is putting into super. I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer contributions. Yep. No worries at all. And just for the investment side of things, so when we model it, it's based off your current portfolio, which is an aggressive portfolio. You've got pretty much everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns. And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees. I'm just wanting to double check, are you still okay with that kind of high growth aggressive profile? Yep. So still focus pretty much on getting as much returns as possible. And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level. Because, again, when you're in your sixties, you probably don't want to be high risk a day before you retire and stock market crashes and you lose half of it. Do you know what I mean? Perfect. So I'll keep it based on the aggressive at this point. Just bear in mind that pretty much all the investments are doing what they need to. I can see that you're in a pretty new portfolio. Cybersecurity is going up. Gold's going up. Healthcare is going up. Tech stocks are going up. Everything is pretty much going up. There's some Indian shares that have gone down a little bit, but, again, that's a bit more of a longer term play. Once manufacturing moves across, that should pick up over the next five years or so. So there's nothing there that I see that I need to jump to fix. Cool. Just bear in mind that the returns for this year are a bit more like 8% after fees just because the stock market's dropped a couple of times, but still very, very positive. And over the whole four years you've been a client, you're still hitting that double digits. Cool. Bear in mind, could be rollercoaster ride still for the next six months. You'll probably see the super bouncing around similar to what it did just recently where it could drop from... It's almost hit a 150,000. It could drop to $1.20 and then be up to 200,000 six months later. So just bear in mind if you watch it every day, the the range of what it could hit in any month is quite wild at the moment. Cool. That's pretty much everything I needed to cover at the moment. Any questions so far on what we're thinking? Yeah. Yeah. Yeah. So you sort of opened the account. Like, I know usually it takes a little bit of time to open it. It was around about... Actually, this time in 2022 is when you started. When it was all consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020 22. Yeah. Correct. Yep. Yeah. Absolutely. I'll kind of do a little bit of that this year as well. Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well. And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see. In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news. What... When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark after fees over five years. I'm just having a quick look at the old projection there. So it was based on a slightly lower income at the time, but you were projected to hit a 130,000 over five years from 2022 to 2027. So you're a little bit ahead of where you were. Happy with that so far? And I think you were in BT Super the time, weren't you? I'm just having a quick look for a moment. Please bear with me at what you were invested in at the time. Oh, just their old life stages investment. Yeah. That's not very fun. I believe they may have closed the old investment down that you were in at the time. Yeah. Total return, that's closed. I'll have to do a bit of research on that one, but I'll... Like I said, I'll include some updated projections for you in the plan. And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything. Perfect. Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's... They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it. Awesome. The last thing I'll leave you with is just in terms of that review pack. There's two consent forms if you're still comfortable with the services. So there's a tax file number opt in form, which basically says, are you still comfortable for us to hold your tax file number that we use for the applications, the super, the insurance. The last one is just in terms of consent for fees. So we still charge 1.65% spread through the year, but we have added in new tiered fee discounts for clients. So what's gonna happen is once you go above 200,000, that percentage will drop to 1.37. And then once we get you above 500,000, it'll drop again to 1.1%. K? So that's in the old service guide, and the new service guide I've sent through to you with you. So at least you can see that new tiered structure there as well for the future. Awesome, mate. I appreciate you taking a bit of time to update everything with me and go through a few ideas on top of just the insurances. But do you have any questions before I let you go today? Yep. Because it's with our new system, most of it is pretty much like a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number. Those two do require a signature if you're comfortable. Increase. Yep. Oh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm gonna include in there both the towel pricing and the best alternative that we can find. And then you can go through with me and see both of them together. Now are you by any chance in front of your computer at the moment? No. Not right now. I'm just gonna resend the pack through. It needs to be signed on the personal email that's linked to the super fund. That's all. So I'm just gonna do a little... Yep. Oh, perfect. Okay. Cool. The only one I was gonna send through was for the consent form just to make sure that you were happy with that fee structure because I can't get you to sign the fee consent until we've talked about the structure together. So I was just gonna send that one through separately. Oh, perfect. Perfect. So I'll send you a text once I send that one through. And then in about week and a half, two weeks, the team will give you a call to go through the the insurance quotes, updated projections with me. Awesome. Yeah. We'll always do voice mail and a text because, again, if you're working, that's totally fair. We'll we'll do both the text and a voice mail for you. Awesome, mate. Thank you so much for your time today, and I'll talk to you again soon. Thanks, mate. 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afternoon, Kaushik. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing? Yes. Right.\n\nDoing fantastic. It's a beautiful, rainy day on the Gold Coast. What about in Victoria? Yeah. That's the thing about Victoria I find is it tends to just bounce around, and it can be summer and winter on every couple of days.\n\nPerfect. Perfect. Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review. Just wondering if you've still got some time for me. No worries at all.\n\nWhat I'll do is I've got a bit of an email pack to send through to you. And just while I'm sending that through, I'll just go through security with you. So whenever you're dealing with an adviser, I'm registered with ASIC as adviser one two seven three one 05. Can I please confirm your date of birth and address that we would have on file? Yep.\n\nPerfect. And are you okay for the call to be recorded? Amazing. For your email address, are you still okay for the the Ymail? Cool.\n\nSo I'll pop that through. That's the one. Now what I've got in front of me at the moment is just your your client fax line with all of your details. Now I'll start off with updating a few details, and then I'll dive into some options for you. In terms of the property purchase, So I'm having a look here.\n\nWe've got an investment property already on file, so I'm assuming you've now got a second. Yep. Perfect. Perfect. So from the sale of that property, can I just take down the property value and loan on the new property?\n\nYep. Sold for $6.35. And for the new one, what would... I can do a bit of an online valuation, but I'm assuming that's 26 Brompton Court. And do you know how much you've got owing left on that one now after the sale?\n\nYep. And in terms of the value, is that around 1.3? Perfect. So I've got that added down. Now just in terms of the insurance side of things, so part of that pack I've sent you just includes the summary of how the super has been going, your towel certificate of currency for the insurances, update service guides with us, and a couple of consent forms.\n\nYou have currently 750,000 just under of life and TPD insurance for total disability. Are you wanting to kind of match the new debt exactly? Do you want me to do some... Yep. So just a a straight up matching quote?\n\nAlright. Now in terms of when that was put in place, that was October 2022. I'll do an alteration quote with Tao. In addition to that, do you want me to kind of do normally do a bit of a comparison with the other insurers to see if someone will offer, you know, above 1,000,000 for a cheaper price? Do you want me to look into some alternative?\n\nAbsolutely. I always try and make sure that if we're gonna replace a policy, we replace it with either something that's as good quality, but for the cheaper price, not really skimping on one or the other. Now from 2022, call it August... Sorry, October 2022, have you had any health changes or new diagnosis, medications, or concerns that I would have to factor in. Because if there's been, like, a shoulder reconstruction in between then and now, you might get an exclusion on a new policy, and I just have to be careful with the underwriting research.\n\nCool. So anything that we use previously for towel, we can just use that for the new provider if we find one. Perfect. There's no trauma insurance, but there is income protection. So I'll just quickly check that one with you.\n\nThat's covering you for 10,358 a month. That is a 70% policy, so it's protecting an income now of about 177,000. I know you're on about one sixty plus bonuses previously. What's the income looking like at the moment? One sixty six.\n\nNo. That's perfect. Yeah. So what they usually do, it's an indemnity policy. So what tends to happen is, let's say you're...\n\nYou've got a waiting period and a benefit period. If you're off work for four weeks, you do a claim. You basically give them your twelve month income, and they go, okay. Base is $1.66. You've had, let's say, 16,000 of bonuses, for example.\n\nIf that covers the amount that you're insured for, then you get paid the maximum that you're insured for. If for some reason that you only earn a 140,000 on paper, then they can only pay you a percentage on the income that you lost. So that'll work out pretty well? No. That's perfectly fine.\n\nYep. Yep. On top. Yeah. So I don't think you would have any problem with the claim.\n\nIf for whatever reason you aren't... Like, you aren't zero bonuses for an entire year, then you might get paid a slightly lower amount if you were to claim. But I don't see any issues there. And as long as 10,000 a month would cover your expenses, probably not any reason to kind of change the the policy amounts at this point. I think that's looking.\n\nA little bit? Correct. Yeah. After four weeks. If...\n\nYeah. Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period. So let's say the doctor says, oh, you broke your leg. You have to take off three months, six months, whatever it is. And let's say for three months, you're you're still off work, you go into the doctor, and the doctor says, oh, you need another two months off.\n\nThat is what the basis is for the claim, and they can pay you monthly for up to your benefit period of five years per injury, per claim, and illnesses as well. Yep. Covers both. And generally speaking, if you're off work for more than five years, you probably get the TPD claim. You know, doctors would probably say you're not likely to return to work.\n\nSo there's that lump sum million dollars, whatever the amount is, after that. Correct. No. So that's the only thing that's not covered is unemployment or redundancy. It's not legal for them to offer, like, unemployment insurance like in The US.\n\nThat's all, you know, Centrelink or contract based. So just illness and injury. Okay. Leave it as is. That's no worries at all.\n\nI've got your updated income added. I'm just adding it to the file. $1.82, including bonuses, 600, and super on top. That's perfect. Just quickly on terms of other assets and liabilities, and you haven't changed the occupation title.\n\nYou're still senior consultants with NAB? Perfect. Uning degree qualified, so that's perfect. In terms of family side of things, we have you married with two dependents, the boys. I'm just double checking.\n\nSo for the beneficiary nominations, we're nominating your partner to receive the super. Correct? Correct. Okay. So I don't see it on there on the hub account currently.\n\nAre you okay for me to kind of post out one of the forms there to get her nominated? Yep. Perfect. And just quickly, like, a side piece to that in terms of estate planning, you don't have, like, a will or a power of attorney in place? Yeah.\n\nOh. Yep. I will cost no cost. Alright. So you don't need to talk to any lawyers or anything.\n\nJust go through the union, essentially. Yep. No worries at all. So we'll just do the beneficiary nominations and leave the will alone at this point. And just lastly, in terms of the assets and liabilities, we had a car, some savings, and offset account in crypto listed.\n\nDo you mind if I just quickly update those values with you? Cool. Still no car loan? Cool. Savings and offset, we had kind of split, like a savings account of about 12,000, offset account of about 80,000.\n\nI'm not sure how much you have to mix in for the property purchase. Yep. K. So I'll clear that out. No worries.\n\n40 5. So liquid cash that you could access if you needed to. Perfect. And just lastly, do you still have any sort of crypto investments that you're adding to over time, or is it just kind of sitting there growing? Cool.\n\nDo you want me to clear that out as zero like it's been sold, or is there still just a 6,000 floating around? Yep. No worries. Yep. Wait and see.\n\nSo no advice on the personal investment. Perfect. I'll swing over into the super there. So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well. Now...\n\nSorry. Go for it. Yeah. No worries. That's okay, mate.\n\nWith the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has. Now I'll base that on your new income with what the employer is putting into super. I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer contributions. Yep. No worries at all.\n\nAnd just for the investment side of things, so when we model it, it's based off your current portfolio, which is an aggressive portfolio. You've got pretty much everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns. And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees. I'm just wanting to double check, are you still okay with that kind of high growth aggressive profile? Yep.\n\nSo still focus pretty much on getting as much returns as possible. And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level. Because, again, when you're in your sixties, you probably don't want to be high risk a day before you retire and stock market crashes and you lose half of it. Do you know what I mean? Perfect.\n\nSo I'll keep it based on the aggressive at this point. Just bear in mind that pretty much all the investments are doing what they need to. I can see that you're in a pretty new portfolio. Cybersecurity is going up. Gold's going up.\n\nHealthcare is going up. Tech stocks are going up. Everything is pretty much going up. There's some Indian shares that have gone down a little bit, but, again, that's a bit more of a longer term play. Once manufacturing moves across, that should pick up over the next five years or so.\n\nSo there's nothing there that I see that I need to jump to fix. Cool. Just bear in mind that the returns for this year are a bit more like 8% after fees just because the stock market's dropped a couple of times, but still very, very positive. And over the whole four years you've been a client, you're still hitting that double digits. Cool.\n\nBear in mind, could be rollercoaster ride still for the next six months. You'll probably see the super bouncing around similar to what it did just recently where it could drop from... It's almost hit a 150,000. It could drop to $1.20 and then be up to 200,000 six months later. So just bear in mind if you watch it every day, the the range of what it could hit in any month is quite wild at the moment.\n\nCool. That's pretty much everything I needed to cover at the moment. Any questions so far on what we're thinking? Yeah. Yeah.\n\nYeah. So you sort of opened the account. Like, I know usually it takes a little bit of time to open it. It was around about... Actually, this time in 2022 is when you started.\n\nWhen it was all consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020 22. Yeah. Correct. Yep. Yeah.\n\nAbsolutely. I'll kind of do a little bit of that this year as well. Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well. And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see. In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news.\n\nWhat... When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark after fees over five years. I'm just having a quick look at the old projection there. So it was based on a slightly lower income at the time, but you were projected to hit a 130,000 over five years from 2022 to 2027. So you're a little bit ahead of where you were.\n\nHappy with that so far? And I think you were in BT Super the time, weren't you? I'm just having a quick look for a moment. Please bear with me at what you were invested in at the time. Oh, just their old life stages investment.\n\nYeah. That's not very fun. I believe they may have closed the old investment down that you were in at the time. Yeah. Total return, that's closed.\n\nI'll have to do a bit of research on that one, but I'll... Like I said, I'll include some updated projections for you in the plan. And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything. Perfect. Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's...\n\nThey're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it. Awesome. The last thing I'll leave you with is just in terms of that review pack. There's two consent forms if you're still comfortable with the services. So there's a tax file number opt in form, which basically says, are you still comfortable for us to hold your tax file number that we use for the applications, the super, the insurance.\n\nThe last one is just in terms of consent for fees. So we still charge 1.65% spread through the year, but we have added in new tiered fee discounts for clients. So what's gonna happen is once you go above 200,000, that percentage will drop to 1.37. And then once we get you above 500,000, it'll drop again to 1.1%. K?\n\nSo that's in the old service guide, and the new service guide I've sent through to you with you. So at least you can see that new tiered structure there as well for the future. Awesome, mate. I appreciate you taking a bit of time to update everything with me and go through a few ideas on top of just the insurances. But do you have any questions before I let you go today?\n\nYep. Because it's with our new system, most of it is pretty much like a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number. Those two do require a signature if you're comfortable. Increase. Yep.\n\nOh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm gonna include in there both the towel pricing and the best alternative that we can find. And then you can go through with me and see both of them together. Now are you by any chance in front of your computer at the moment? No. Not right now.\n\nI'm just gonna resend the pack through. It needs to be signed on the personal email that's linked to the super fund. That's all. So I'm just gonna do a little... Yep.\n\nOh, perfect. Okay. Cool. The only one I was gonna send through was for the consent form just to make sure that you were happy with that fee structure because I can't get you to sign the fee consent until we've talked about the structure together. So I was just gonna send that one through separately.\n\nOh, perfect. Perfect. So I'll send you a text once I send that one through. And then in about week and a half, two weeks, the team will give you a call to go through the the insurance quotes, updated projections with me. Awesome.\n\nYeah. We'll always do voice mail and a text because, again, if you're working, that's totally fair. We'll we'll do both the text and a voice mail for you. Awesome, mate. Thank you so much for your time today, and I'll talk to you again soon.\n\nThanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kaushik.","start":2.72,"end":4.0,"sentiment":"neutral","sentiment_score":0.2703729271888733},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers, mate.","start":4.0,"end":7.12,"sentiment":"neutral","sentiment_score":0.18067246675491333},{"text":"How are you doing?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.18541569635272026},{"text":"Yes.","start":10.4,"end":10.9,"sentiment":"neutral","sentiment_score":0.1282469481229782},{"text":"Right.","start":13.505,"end":13.745,"sentiment":"positive","sentiment_score":0.38540971279144287}],"sentiment":"neutral","sentiment_score":0.201643229950042,"num_words":21,"start":2.72,"end":13.745},{"sentences":[{"text":"Doing fantastic.","start":13.745,"end":14.645,"sentiment":"positive","sentiment_score":0.7267395257949829},{"text":"It's a beautiful, rainy day on the Gold Coast.","start":14.705,"end":16.705,"sentiment":"positive","sentiment_score":0.5965077579021454},{"text":"What about in Victoria?","start":16.705,"end":17.765,"sentiment":"neutral","sentiment_score":0.10931376740336418},{"text":"Yeah.","start":27.825,"end":28.17,"sentiment":"neutral","sentiment_score":0.08898119628429413},{"text":"That's the thing about Victoria I find is it tends to just bounce around, and it can be summer and winter on every couple of days.","start":39.53,"end":45.675,"sentiment":"neutral","sentiment_score":-0.011244141013146592}],"sentiment":"neutral","sentiment_score":0.16799851124440984,"num_words":42,"start":13.745,"end":45.675},{"sentences":[{"text":"Perfect.","start":57.89,"end":58.29,"sentiment":"neutral","sentiment_score":0.19426143169403076},{"text":"Perfect.","start":58.29,"end":58.79,"sentiment":"neutral","sentiment_score":0.14485296607017517},{"text":"Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review.","start":61.57,"end":69.585,"sentiment":"neutral","sentiment_score":0.04116798736728155},{"text":"Just wondering if you've still got some time for me.","start":69.745,"end":72.005,"sentiment":"neutral","sentiment_score":0.025157198309898376},{"text":"No worries at all.","start":77.825,"end":78.625,"sentiment":"neutral","sentiment_score":0.10524996370077133}],"sentiment":"neutral","sentiment_score":0.04957271207656179,"num_words":42,"start":57.89,"end":78.625},{"sentences":[{"text":"What I'll do is I've got a bit of an email pack to send through to you.","start":78.625,"end":82.26,"sentiment":"neutral","sentiment_score":0.112839235978968},{"text":"And just while I'm sending that through, I'll just go through security with you.","start":82.5,"end":86.840004,"sentiment":"neutral","sentiment_score":0.059265533462166786},{"text":"So whenever you're dealing with an adviser, I'm registered with ASIC as adviser one two seven three one 05.","start":86.9,"end":93.64,"sentiment":"neutral","sentiment_score":0.042310159163255444},{"text":"Can I please confirm your date of birth and address that we would have on file?","start":94.18,"end":98.200005,"sentiment":"neutral","sentiment_score":0.03155739395879209},{"text":"Yep.","start":102.395004,"end":102.895004,"sentiment":"neutral","sentiment_score":0.032885175198316574}],"sentiment":"neutral","sentiment_score":0.061040014667964694,"num_words":67,"start":78.625,"end":102.895004},{"sentences":[{"text":"Perfect.","start":108.875,"end":109.355,"sentiment":"neutral","sentiment_score":0.2231411337852478},{"text":"And are you okay for the call to be recorded?","start":109.355,"end":111.215,"sentiment":"neutral","sentiment_score":0.05074706319719553},{"text":"Amazing.","start":112.795,"end":113.295,"sentiment":"positive","sentiment_score":0.66157466173172},{"text":"For your email address, are you still okay for the the Ymail?","start":113.83,"end":116.89,"sentiment":"neutral","sentiment_score":0.24276188760995865},{"text":"Cool.","start":119.83,"end":120.07,"sentiment":"positive","sentiment_score":0.3775200843811035}],"sentiment":"neutral","sentiment_score":0.18731396652758123,"num_words":25,"start":108.875,"end":120.07},{"sentences":[{"text":"So I'll pop that through.","start":120.07,"end":121.45,"sentiment":"neutral","sentiment_score":0.15990747809410094},{"text":"That's the one.","start":122.47,"end":123.45,"sentiment":"neutral","sentiment_score":0.13179839899142584},{"text":"Now what I've got in front of me at the moment is just your your client fax line with all of your details.","start":123.91,"end":130.025,"sentiment":"neutral","sentiment_score":0.09666963763858961},{"text":"Now I'll start off with updating a few details, and then I'll dive into some options for you.","start":130.885,"end":136.665,"sentiment":"neutral","sentiment_score":0.08874317879478137},{"text":"In terms of the property purchase, So I'm having a look here.","start":137.845,"end":143.01001,"sentiment":"neutral","sentiment_score":0.0199547892746826}],"sentiment":"neutral","sentiment_score":0.08615031053663277,"num_words":61,"start":120.07,"end":143.01001},{"sentences":[{"text":"We've got an investment property already on file, so I'm assuming you've now got a second.","start":143.15001,"end":147.89,"sentiment":"neutral","sentiment_score":0.01592535962117836},{"text":"Yep.","start":152.83,"end":153.105,"sentiment":"neutral","sentiment_score":0.013332797214388847},{"text":"Perfect.","start":161.42499,"end":161.92499,"sentiment":"positive","sentiment_score":0.33484819531440735},{"text":"Perfect.","start":161.985,"end":162.465,"sentiment":"neutral","sentiment_score":0.2779426574707031},{"text":"So from the sale of that property, can I just take down the property value and loan on the new property?","start":162.465,"end":169.15,"sentiment":"neutral","sentiment_score":0.07571913195507866}],"sentiment":"neutral","sentiment_score":0.06177577937487513,"num_words":40,"start":143.15001,"end":169.15},{"sentences":[{"text":"Yep.","start":177.20999,"end":177.70999,"sentiment":"neutral","sentiment_score":0.003137030405923724},{"text":"Sold for $6.35.","start":177.77,"end":179.39,"sentiment":"neutral","sentiment_score":-0.0072696758434176445},{"text":"And for the new one, what would...","start":183.13501,"end":185.55501,"sentiment":"neutral","sentiment_score":0.007474163813250405},{"text":"I can do a bit of an online valuation, but I'm assuming that's 26 Brompton Court.","start":185.615,"end":191.235,"sentiment":"neutral","sentiment_score":0.012667688657529652},{"text":"And do you know how much you've got owing left on that one now after the sale?","start":193.215,"end":198.09,"sentiment":"neutral","sentiment_score":-0.01439821144894642}],"sentiment":"neutral","sentiment_score":-0.00019180514870888808,"num_words":44,"start":177.20999,"end":198.09},{"sentences":[{"text":"Yep.","start":208.47,"end":208.785,"sentiment":"neutral","sentiment_score":0.01030659954994917},{"text":"And in terms of the value, is that around 1.3?","start":209.02501,"end":212.325,"sentiment":"neutral","sentiment_score":0.0054443137720227245},{"text":"Perfect.","start":214.705,"end":215.205,"sentiment":"neutral","sentiment_score":0.2820148169994354},{"text":"So I've got that added down.","start":216.225,"end":217.845,"sentiment":"neutral","sentiment_score":0.20478015641371408},{"text":"Now just in terms of the insurance side of things, so part of that pack I've sent you just includes the summary of how the super has been going, your towel certificate of currency for the insurances, update service guides with us, and a couple of consent forms.","start":217.905,"end":231.52,"sentiment":"neutral","sentiment_score":0.1033767598370711}],"sentiment":"neutral","sentiment_score":0.09905348431714105,"num_words":66,"start":208.47,"end":231.52},{"sentences":[{"text":"You have currently 750,000 just under of life and TPD insurance for total disability.","start":232.38,"end":240.095,"sentiment":"neutral","sentiment_score":-0.03009803712900196},{"text":"Are you wanting to kind of match the new debt exactly?","start":242.075,"end":246.015,"sentiment":"neutral","sentiment_score":-0.02406163344329054},{"text":"Do you want me to do some...","start":246.155,"end":247.195,"sentiment":"neutral","sentiment_score":-0.03683744637029512},{"text":"Yep.","start":247.195,"end":247.595,"sentiment":"neutral","sentiment_score":-0.0162300206720829},{"text":"So just a a straight up matching quote?","start":247.595,"end":249.77501,"sentiment":"neutral","sentiment_score":0.03161684866063297}],"sentiment":"neutral","sentiment_score":-0.017248971796617274,"num_words":41,"start":232.38,"end":249.77501},{"sentences":[{"text":"Alright.","start":251.56,"end":251.95999,"sentiment":"neutral","sentiment_score":0.0937863439321518},{"text":"Now in terms of when that was put in place, that was October 2022.","start":251.95999,"end":256.22,"sentiment":"neutral","sentiment_score":0.03679483916078295},{"text":"I'll do an alteration quote with Tao.","start":257.32,"end":259.82,"sentiment":"neutral","sentiment_score":0.053014225725616725},{"text":"In addition to that, do you want me to kind of do normally do a bit of a comparison with the other insurers to see if someone will offer, you know, above 1,000,000 for a cheaper price?","start":262.2,"end":271.695,"sentiment":"neutral","sentiment_score":0.06455097770368731},{"text":"Do you want me to look into some alternative?","start":271.695,"end":273.39502,"sentiment":"neutral","sentiment_score":0.014479231503274705}],"sentiment":"neutral","sentiment_score":0.05145166074747548,"num_words":68,"start":251.56,"end":273.39502},{"sentences":[{"text":"Absolutely.","start":277.535,"end":278.035,"sentiment":"neutral","sentiment_score":0.26382550597190857},{"text":"I always try and make sure that if we're gonna replace a policy, we replace it with either something that's as good quality, but for the cheaper price, not really skimping on one or the other.","start":278.52,"end":288.94,"sentiment":"neutral","sentiment_score":0.13710998262589177},{"text":"Now from 2022, call it August...","start":291.045,"end":294.825,"sentiment":"neutral","sentiment_score":-0.009094816632568836},{"text":"Sorry, October 2022, have you had any health changes or new diagnosis, medications, or concerns that I would have to factor in.","start":295.125,"end":305.28,"sentiment":"neutral","sentiment_score":-0.14517874812537973},{"text":"Because if there's been, like, a shoulder reconstruction in between then and now, you might get an exclusion on a new policy, and I just have to be careful with the underwriting research.","start":305.28,"end":314.18,"sentiment":"neutral","sentiment_score":-0.18806084809881268}],"sentiment":"neutral","sentiment_score":-0.04341555576847524,"num_words":98,"start":277.535,"end":314.18},{"sentences":[{"text":"Cool.","start":318.555,"end":318.875,"sentiment":"neutral","sentiment_score":0.1149870753288269},{"text":"So anything that we use previously for towel, we can just use that for the new provider if we find one.","start":318.875,"end":323.855,"sentiment":"neutral","sentiment_score":0.10178333183839208},{"text":"Perfect.","start":325.755,"end":326.255,"sentiment":"positive","sentiment_score":0.41312164068222046},{"text":"There's no trauma insurance, but there is income protection.","start":326.875,"end":330.095,"sentiment":"neutral","sentiment_score":0.13967015677028233},{"text":"So I'll just quickly check that one with you.","start":330.475,"end":332.85,"sentiment":"neutral","sentiment_score":0.13357696764998966}],"sentiment":"neutral","sentiment_score":0.12499470254633485,"num_words":41,"start":318.555,"end":332.85},{"sentences":[{"text":"That's covering you for 10,358 a month.","start":333.01,"end":337.83002,"sentiment":"neutral","sentiment_score":0.1262391773717744},{"text":"That is a 70% policy, so it's protecting an income now of about 177,000.","start":338.85,"end":345.11002,"sentiment":"neutral","sentiment_score":0.16327589856726782},{"text":"I know you're on about one sixty plus bonuses previously.","start":345.375,"end":348.835,"sentiment":"neutral","sentiment_score":0.06029818505048752},{"text":"What's the income looking like at the moment?","start":348.895,"end":350.835,"sentiment":"neutral","sentiment_score":0.023383323568850756},{"text":"One sixty six.","start":354.415,"end":355.795,"sentiment":"neutral","sentiment_score":0.058304667472839355}],"sentiment":"neutral","sentiment_score":0.09844045864329451,"num_words":42,"start":333.01,"end":355.795},{"sentences":[{"text":"No.","start":380.22498,"end":380.38498,"sentiment":"neutral","sentiment_score":-0.09040701389312744},{"text":"That's perfect.","start":380.38498,"end":381.125,"sentiment":"positive","sentiment_score":0.411991685628891},{"text":"Yeah.","start":383.11,"end":383.35,"sentiment":"neutral","sentiment_score":0.03822154551744461},{"text":"So what they usually do, it's an indemnity policy.","start":383.35,"end":386.16998,"sentiment":"neutral","sentiment_score":0.03908730215496487},{"text":"So what tends to happen is, let's say you're...","start":386.31,"end":388.65,"sentiment":"neutral","sentiment_score":0.02227221822573079}],"sentiment":"neutral","sentiment_score":0.060183344832198185,"num_words":22,"start":380.22498,"end":388.65},{"sentences":[{"text":"You've got a waiting period and a benefit period.","start":388.71,"end":391.21,"sentiment":"neutral","sentiment_score":0.014622362330555916},{"text":"If you're off work for four weeks, you do a claim.","start":391.43,"end":394.56998,"sentiment":"neutral","sentiment_score":-0.0006711974062702873},{"text":"You basically give them your twelve month income, and they go, okay.","start":394.94998,"end":399.625,"sentiment":"neutral","sentiment_score":0.06870382558554411},{"text":"Base is $1.66.","start":399.76498,"end":401.045,"sentiment":"neutral","sentiment_score":0.06710742910703023},{"text":"You've had, let's say, 16,000 of bonuses, for example.","start":401.045,"end":404.665,"sentiment":"neutral","sentiment_score":0.05173686726225747}],"sentiment":"neutral","sentiment_score":0.036718592936681074,"num_words":44,"start":388.71,"end":404.665},{"sentences":[{"text":"If that covers the amount that you're insured for, then you get paid the maximum that you're insured for.","start":405.525,"end":411.21,"sentiment":"neutral","sentiment_score":0.054879170695417805},{"text":"If for some reason that you only earn a 140,000 on paper, then they can only pay you a percentage on the income that you lost.","start":411.77,"end":419.94998,"sentiment":"neutral","sentiment_score":-0.033050447988968626},{"text":"So that'll work out pretty well?","start":423.37,"end":428.33167,"sentiment":"neutral","sentiment_score":0.0843815766274929},{"text":"No.","start":428.685,"end":428.845,"sentiment":"neutral","sentiment_score":-0.028844377025961876},{"text":"That's perfectly fine.","start":428.845,"end":430.065,"sentiment":"neutral","sentiment_score":0.15022907157739004}],"sentiment":"neutral","sentiment_score":0.020209543508562175,"num_words":55,"start":405.525,"end":430.065},{"sentences":[{"text":"Yep.","start":436.045,"end":436.32,"sentiment":"neutral","sentiment_score":0.10555513948202132},{"text":"Yep.","start":444.80002,"end":445.30002,"sentiment":"neutral","sentiment_score":0.07065155357122421},{"text":"On top.","start":450.80002,"end":451.44,"sentiment":"neutral","sentiment_score":0.021746530197560787},{"text":"Yeah.","start":451.44,"end":451.935,"sentiment":"neutral","sentiment_score":0.00987408682703972},{"text":"So I don't think you would have any problem with the claim.","start":452.01498,"end":454.595,"sentiment":"neutral","sentiment_score":-0.07724561045567195}],"sentiment":"neutral","sentiment_score":-0.04102196971721509,"num_words":17,"start":436.045,"end":454.595},{"sentences":[{"text":"If for whatever reason you aren't...","start":455.215,"end":456.895,"sentiment":"neutral","sentiment_score":-0.049123506993055344},{"text":"Like, you aren't zero bonuses for an entire year, then you might get paid a slightly lower amount if you were to claim.","start":456.895,"end":463.155,"sentiment":"neutral","sentiment_score":-0.01653096598127614},{"text":"But I don't see any issues there.","start":466.46,"end":467.82,"sentiment":"neutral","sentiment_score":-0.2441012476171766},{"text":"And as long as 10,000 a month would cover your expenses, probably not any reason to kind of change the the policy amounts at this point.","start":467.82,"end":476.72,"sentiment":"neutral","sentiment_score":-0.15728536248207092},{"text":"I think that's looking.","start":480.62,"end":483.555,"sentiment":"neutral","sentiment_score":-0.16905935667455196}],"sentiment":"neutral","sentiment_score":-0.10832301278909047,"num_words":66,"start":455.215,"end":483.555},{"sentences":[{"text":"A little bit?","start":483.615,"end":484.435,"sentiment":"neutral","sentiment_score":-0.06635268529256184},{"text":"Correct.","start":494.01498,"end":494.43,"sentiment":"neutral","sentiment_score":0.01979375071823597},{"text":"Yeah.","start":505.87,"end":506.37,"sentiment":"neutral","sentiment_score":-0.03777657449245453},{"text":"After four weeks.","start":511.08502,"end":512.225,"sentiment":"neutral","sentiment_score":-0.09479258209466934},{"text":"If...","start":516.365,"end":516.865,"sentiment":"neutral","sentiment_score":-0.04178799316287041}],"sentiment":"neutral","sentiment_score":-0.06035629101097584,"num_words":9,"start":483.615,"end":516.865},{"sentences":[{"text":"Yeah.","start":517.72504,"end":518.22504,"sentiment":"neutral","sentiment_score":-0.029091674834489822},{"text":"Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period.","start":518.7,"end":525.44,"sentiment":"neutral","sentiment_score":-0.2214297219401314},{"text":"So let's say the doctor says, oh, you broke your leg.","start":525.5,"end":527.58,"sentiment":"neutral","sentiment_score":-0.15527210452339865},{"text":"You have to take off three months, six months, whatever it is.","start":527.58,"end":531.015,"sentiment":"neutral","sentiment_score":-0.14968730447192988},{"text":"And let's say for three months, you're you're still off work, you go into the doctor, and the doctor says, oh, you need another two months off.","start":531.255,"end":537.435,"sentiment":"neutral","sentiment_score":-0.09596725346313582}],"sentiment":"neutral","sentiment_score":-0.1496454511458675,"num_words":72,"start":517.72504,"end":537.435},{"sentences":[{"text":"That is what the basis is for the claim, and they can pay you monthly for up to your benefit period of five years per injury, per claim, and illnesses as well.","start":537.655,"end":552.95,"sentiment":"neutral","sentiment_score":-0.04931173974182457},{"text":"Yep.","start":554.77,"end":555.17,"sentiment":"neutral","sentiment_score":0.02513883076608181},{"text":"Covers both.","start":555.17,"end":556.07,"sentiment":"neutral","sentiment_score":0.023226064629852772},{"text":"And generally speaking, if you're off work for more than five years, you probably get the TPD claim.","start":559.49,"end":564.525,"sentiment":"neutral","sentiment_score":-0.21113554864293999},{"text":"You know, doctors would probably say you're not likely to return to work.","start":564.525,"end":567.48505,"sentiment":"neutral","sentiment_score":-0.3211063009042006}],"sentiment":"neutral","sentiment_score":-0.14365464392485042,"num_words":66,"start":537.655,"end":567.48505},{"sentences":[{"text":"So there's that lump sum million dollars, whatever the amount is, after that.","start":567.48505,"end":572.22504,"sentiment":"neutral","sentiment_score":-0.15562172921804282},{"text":"Correct.","start":577.7,"end":578.2,"sentiment":"neutral","sentiment_score":0.008463000878691673},{"text":"No.","start":588.755,"end":589.235,"sentiment":"neutral","sentiment_score":-0.21529154479503632},{"text":"So that's the only thing that's not covered is unemployment or redundancy.","start":589.235,"end":593.095,"sentiment":"neutral","sentiment_score":-0.17907744025190672},{"text":"It's not legal for them to offer, like, unemployment insurance like in The US.","start":594.27496,"end":598.32,"sentiment":"neutral","sentiment_score":-0.18320441086377418}],"sentiment":"neutral","sentiment_score":-0.16935858680162488,"num_words":41,"start":567.48505,"end":598.32},{"sentences":[{"text":"That's all, you know, Centrelink or contract based.","start":598.56,"end":602.10004,"sentiment":"neutral","sentiment_score":-0.08999498840421438},{"text":"So just illness and injury.","start":604.8,"end":606.58,"sentiment":"neutral","sentiment_score":0.007915283739566802},{"text":"Okay.","start":611.2,"end":611.68,"sentiment":"neutral","sentiment_score":0.15378046035766602},{"text":"Leave it as is.","start":611.68,"end":612.4,"sentiment":"neutral","sentiment_score":0.1911812201142311},{"text":"That's no worries at all.","start":612.4,"end":613.605,"sentiment":"positive","sentiment_score":0.34803988933563235}],"sentiment":"neutral","sentiment_score":0.08601396951986395,"num_words":23,"start":598.56,"end":613.605},{"sentences":[{"text":"I've got your updated income added.","start":614.485,"end":616.985,"sentiment":"positive","sentiment_score":0.4072911540667216},{"text":"I'm just adding it to the file.","start":617.045,"end":618.745,"sentiment":"neutral","sentiment_score":0.24476349353790283},{"text":"$1.82, including bonuses, 600, and super on top.","start":619.845,"end":626.165,"sentiment":"neutral","sentiment_score":0.2523747022662844},{"text":"That's perfect.","start":626.165,"end":626.985,"sentiment":"positive","sentiment_score":0.8415641188621521},{"text":"Just quickly on terms of other assets and liabilities, and you haven't changed the occupation title.","start":627.82,"end":633.33997,"sentiment":"neutral","sentiment_score":0.21447097742930055}],"sentiment":"neutral","sentiment_score":0.2904836360953356,"num_words":39,"start":614.485,"end":633.33997},{"sentences":[{"text":"You're still senior consultants with NAB?","start":633.33997,"end":636.72,"sentiment":"neutral","sentiment_score":0.017123551884045202},{"text":"Perfect.","start":638.46,"end":638.96,"sentiment":"positive","sentiment_score":0.44915926456451416},{"text":"Uning degree qualified, so that's perfect.","start":639.74,"end":642.08,"sentiment":"positive","sentiment_score":0.4501599172751109},{"text":"In terms of family side of things, we have you married with two dependents, the boys.","start":643.745,"end":650.565,"sentiment":"neutral","sentiment_score":0.11032480606809258},{"text":"I'm just double checking.","start":652.70496,"end":653.90497,"sentiment":"neutral","sentiment_score":0.08922694064676762}],"sentiment":"neutral","sentiment_score":0.16287771936957585,"num_words":33,"start":633.33997,"end":653.90497},{"sentences":[{"text":"So for the beneficiary nominations, we're nominating your partner to receive the super.","start":653.90497,"end":660.56,"sentiment":"neutral","sentiment_score":0.0916664800964869},{"text":"Correct?","start":660.56,"end":661.06,"sentiment":"neutral","sentiment_score":0.04956367611885071},{"text":"Correct.","start":662.4,"end":662.8,"sentiment":"neutral","sentiment_score":0.04978638514876366},{"text":"Okay.","start":662.8,"end":663.12,"sentiment":"neutral","sentiment_score":0.022593550384044647},{"text":"So I don't see it on there on the hub account currently.","start":663.12,"end":666.42004,"sentiment":"neutral","sentiment_score":-0.027077921278153855}],"sentiment":"neutral","sentiment_score":0.0353097427702908,"num_words":28,"start":653.90497,"end":666.42004},{"sentences":[{"text":"Are you okay for me to kind of post out one of the forms there to get her nominated?","start":666.64,"end":670.5,"sentiment":"neutral","sentiment_score":0.0013967360811013925},{"text":"Yep.","start":672.335,"end":672.735,"sentiment":"neutral","sentiment_score":0.09667857736349106},{"text":"Perfect.","start":672.735,"end":673.235,"sentiment":"neutral","sentiment_score":0.2342063784599304},{"text":"And just quickly, like, a side piece to that in terms of estate planning, you don't have, like, a will or a power of attorney in place?","start":674.175,"end":681.715,"sentiment":"neutral","sentiment_score":0.0316249211491258},{"text":"Yeah.","start":685.695,"end":686.04,"sentiment":"neutral","sentiment_score":0.004120529629290104}],"sentiment":"neutral","sentiment_score":0.024804415143266017,"num_words":49,"start":666.64,"end":686.04},{"sentences":[{"text":"Oh.","start":689.32,"end":689.82,"sentiment":"neutral","sentiment_score":0.006932668387889862},{"text":"Yep.","start":690.51996,"end":691.01996,"sentiment":"neutral","sentiment_score":0.058553487062454224},{"text":"I will cost no cost.","start":696.27997,"end":698.19995,"sentiment":"neutral","sentiment_score":0.10619275942444802},{"text":"Alright.","start":698.19995,"end":698.44,"sentiment":"neutral","sentiment_score":0.0457586869597435},{"text":"So you don't need to talk to any lawyers or anything.","start":698.44,"end":700.51996,"sentiment":"neutral","sentiment_score":0.0028963545337319374}],"sentiment":"neutral","sentiment_score":0.03547729154754626,"num_words":19,"start":689.32,"end":700.51996},{"sentences":[{"text":"Just go through the union, essentially.","start":700.51996,"end":702.53503,"sentiment":"neutral","sentiment_score":-0.029345645879705746},{"text":"Yep.","start":725.00995,"end":725.32996,"sentiment":"neutral","sentiment_score":0.06976694613695145},{"text":"No worries at all.","start":725.32996,"end":726.05,"sentiment":"neutral","sentiment_score":0.07017535623162985},{"text":"So we'll just do the beneficiary nominations and leave the will alone at this point.","start":726.05,"end":731.175,"sentiment":"neutral","sentiment_score":0.0674431711435318},{"text":"And just lastly, in terms of the assets and liabilities, we had a car, some savings, and offset account in crypto listed.","start":731.795,"end":741.335,"sentiment":"neutral","sentiment_score":0.046774466606703674}],"sentiment":"neutral","sentiment_score":0.04614750683928529,"num_words":48,"start":700.51996,"end":741.335},{"sentences":[{"text":"Do you mind if I just quickly update those values with you?","start":741.51996,"end":744.26,"sentiment":"neutral","sentiment_score":0.07565658167004585},{"text":"Cool.","start":745.68,"end":746.18,"sentiment":"neutral","sentiment_score":0.11383174359798431},{"text":"Still no car loan?","start":746.56,"end":747.7,"sentiment":"neutral","sentiment_score":0.016892376821488142},{"text":"Cool.","start":749.12,"end":749.62,"sentiment":"positive","sentiment_score":0.4381312131881714},{"text":"Savings and offset, we had kind of split, like a savings account of about 12,000, offset account of about 80,000.","start":749.92,"end":756.74,"sentiment":"neutral","sentiment_score":0.0972832964733243}],"sentiment":"neutral","sentiment_score":0.09139677298892486,"num_words":38,"start":741.51996,"end":756.74},{"sentences":[{"text":"I'm not sure how much you have to mix in for the property purchase.","start":756.825,"end":759.72504,"sentiment":"neutral","sentiment_score":-0.033516167130853446},{"text":"Yep.","start":767.065,"end":767.565,"sentiment":"neutral","sentiment_score":0.0344269685447216},{"text":"K.","start":768.025,"end":768.265,"sentiment":"neutral","sentiment_score":0.01620069518685341},{"text":"So I'll clear that out.","start":768.265,"end":769.44,"sentiment":"neutral","sentiment_score":0.018300077691674233},{"text":"No worries.","start":777.84,"end":778.66,"sentiment":"neutral","sentiment_score":0.03646691516041756}],"sentiment":"neutral","sentiment_score":-0.011050628579181173,"num_words":23,"start":756.825,"end":778.66},{"sentences":[{"text":"40 5.","start":787.935,"end":788.835,"sentiment":"neutral","sentiment_score":0.021351163275539875},{"text":"So liquid cash that you could access if you needed to.","start":796.81,"end":800.11005,"sentiment":"neutral","sentiment_score":0.07824030992659656},{"text":"Perfect.","start":802.01,"end":802.51,"sentiment":"positive","sentiment_score":0.4192282855510712},{"text":"And just lastly, do you still have any sort of crypto investments that you're adding to over time, or is it just kind of sitting there growing?","start":803.77,"end":810.785,"sentiment":"neutral","sentiment_score":0.019110135596107553},{"text":"Cool.","start":815.40497,"end":815.725,"sentiment":"neutral","sentiment_score":0.07067586481571198}],"sentiment":"neutral","sentiment_score":0.045457703504888786,"num_words":42,"start":787.935,"end":815.725},{"sentences":[{"text":"Do you want me to clear that out as zero like it's been sold, or is there still just a 6,000 floating around?","start":815.725,"end":820.945,"sentiment":"neutral","sentiment_score":-0.0006481769049297209},{"text":"Yep.","start":824.285,"end":824.765,"sentiment":"neutral","sentiment_score":0.0641281008720398},{"text":"No worries.","start":824.765,"end":825.36,"sentiment":"neutral","sentiment_score":0.023272546008229256},{"text":"Yep.","start":845.455,"end":845.955,"sentiment":"neutral","sentiment_score":0.0068289111368358135},{"text":"Wait and see.","start":846.335,"end":847.055,"sentiment":"neutral","sentiment_score":-0.01687578981121381}],"sentiment":"neutral","sentiment_score":0.0017322221926103036,"num_words":30,"start":815.725,"end":847.055},{"sentences":[{"text":"So no advice on the personal investment.","start":847.055,"end":849.075,"sentiment":"neutral","sentiment_score":-0.13635484554937907},{"text":"Perfect.","start":851.055,"end":851.555,"sentiment":"neutral","sentiment_score":0.21539141237735748},{"text":"I'll swing over into the super there.","start":851.98,"end":853.42,"sentiment":"neutral","sentiment_score":0.1389717385172844},{"text":"So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well.","start":853.42,"end":866.90497,"sentiment":"neutral","sentiment_score":0.14032169463841812},{"text":"Now...","start":868.725,"end":869.225,"sentiment":"neutral","sentiment_score":0.03919287770986557}],"sentiment":"neutral","sentiment_score":0.10851129829402893,"num_words":62,"start":847.055,"end":869.225},{"sentences":[{"text":"Sorry.","start":870.885,"end":871.205,"sentiment":"neutral","sentiment_score":0.07102924585342407},{"text":"Go for it.","start":871.205,"end":872.02496,"sentiment":"neutral","sentiment_score":0.15354778369267783},{"text":"Yeah.","start":875.605,"end":875.925,"sentiment":"neutral","sentiment_score":0.06399139761924744},{"text":"No worries.","start":875.925,"end":876.42,"sentiment":"neutral","sentiment_score":0.04092529974877834},{"text":"That's okay, mate.","start":882.26,"end":883.39996,"sentiment":"neutral","sentiment_score":0.16981048385302225}],"sentiment":"neutral","sentiment_score":0.11869460456073284,"num_words":10,"start":870.885,"end":883.39996},{"sentences":[{"text":"With the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has.","start":883.77997,"end":897.39496,"sentiment":"neutral","sentiment_score":0.1640926781627867},{"text":"Now I'll base that on your new income with what the employer is putting into super.","start":900.33496,"end":905.475,"sentiment":"neutral","sentiment_score":0.12772997189313173},{"text":"I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer contributions.","start":905.63,"end":912.13,"sentiment":"neutral","sentiment_score":0.03973212093114853},{"text":"Yep.","start":914.83,"end":915.14996,"sentiment":"neutral","sentiment_score":0.16242453455924988},{"text":"No worries at all.","start":915.14996,"end":916.20996,"sentiment":"neutral","sentiment_score":0.2008676417171955}],"sentiment":"neutral","sentiment_score":0.12905884722526045,"num_words":87,"start":883.77997,"end":916.20996},{"sentences":[{"text":"And just for the investment side of things, so when we model it, it's based off your current portfolio, which is an aggressive portfolio.","start":916.43,"end":925.035,"sentiment":"neutral","sentiment_score":0.15963012538850307},{"text":"You've got pretty much everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns.","start":925.095,"end":935.82,"sentiment":"neutral","sentiment_score":0.20708074777022653},{"text":"And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees.","start":936.44,"end":942.54,"sentiment":"neutral","sentiment_score":0.10125677809119224},{"text":"I'm just wanting to double check, are you still okay with that kind of high growth aggressive profile?","start":943.08,"end":949.035,"sentiment":"neutral","sentiment_score":0.07776783116989666},{"text":"Yep.","start":951.575,"end":951.895,"sentiment":"neutral","sentiment_score":0.26025688648223877}],"sentiment":"neutral","sentiment_score":0.14278132113259892,"num_words":86,"start":916.43,"end":951.895},{"sentences":[{"text":"So still focus pretty much on getting as much returns as possible.","start":951.895,"end":954.955,"sentiment":"neutral","sentiment_score":0.2882130866249402},{"text":"And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level.","start":955.015,"end":961.73,"sentiment":"neutral","sentiment_score":0.10130084949460896},{"text":"Because, again, when you're in your sixties, you probably don't want to be high risk a day before you retire and stock market crashes and you lose half of it.","start":961.73,"end":969.08997,"sentiment":"neutral","sentiment_score":-0.15503029264509677},{"text":"Do you know what I mean?","start":969.08997,"end":970.14996,"sentiment":"neutral","sentiment_score":-0.025299451624353726},{"text":"Perfect.","start":971.88995,"end":972.20996,"sentiment":"positive","sentiment_score":0.4329480826854706}],"sentiment":"neutral","sentiment_score":0.018555187633339788,"num_words":71,"start":951.895,"end":972.20996},{"sentences":[{"text":"So I'll keep it based on the aggressive at this point.","start":972.20996,"end":974.535,"sentiment":"neutral","sentiment_score":0.29393700577995996},{"text":"Just bear in mind that pretty much all the investments are doing what they need to.","start":975.095,"end":980.555,"sentiment":"neutral","sentiment_score":0.11919330293312669},{"text":"I can see that you're in a pretty new portfolio.","start":980.855,"end":983.27496,"sentiment":"neutral","sentiment_score":0.2096599519252777},{"text":"Cybersecurity is going up.","start":983.815,"end":985.33496,"sentiment":"neutral","sentiment_score":0.13314697798341513},{"text":"Gold's going up.","start":985.33496,"end":986.375,"sentiment":"neutral","sentiment_score":0.1684913287560145}],"sentiment":"neutral","sentiment_score":0.188069575635547,"num_words":44,"start":972.20996,"end":986.375},{"sentences":[{"text":"Healthcare is going up.","start":986.375,"end":987.915,"sentiment":"neutral","sentiment_score":0.17280413210391998},{"text":"Tech stocks are going up.","start":988.41,"end":989.87,"sentiment":"neutral","sentiment_score":0.19080904126167297},{"text":"Everything is pretty much going up.","start":990.64996,"end":991.85,"sentiment":"neutral","sentiment_score":0.273059219121933},{"text":"There's some Indian shares that have gone down a little bit, but, again, that's a bit more of a longer term play.","start":991.85,"end":998.08997,"sentiment":"neutral","sentiment_score":0.03054191070524129},{"text":"Once manufacturing moves across, that should pick up over the next five years or so.","start":998.08997,"end":1002.495,"sentiment":"neutral","sentiment_score":0.149189297358195}],"sentiment":"neutral","sentiment_score":0.1191034335643053,"num_words":52,"start":986.375,"end":1002.495},{"sentences":[{"text":"So there's nothing there that I see that I need to jump to fix.","start":1002.495,"end":1005.555,"sentiment":"neutral","sentiment_score":-0.20817546652896063},{"text":"Cool.","start":1008.415,"end":1008.915,"sentiment":"positive","sentiment_score":0.477450966835022},{"text":"Just bear in mind that the returns for this year are a bit more like 8% after fees just because the stock market's dropped a couple of times, but still very, very positive.","start":1009.295,"end":1018.62006,"sentiment":"neutral","sentiment_score":0.30341722071170807},{"text":"And over the whole four years you've been a client, you're still hitting that double digits.","start":1019.0,"end":1023.18005,"sentiment":"positive","sentiment_score":0.3455175906419754},{"text":"Cool.","start":1026.2001,"end":1026.7001,"sentiment":"positive","sentiment_score":0.42844098806381226}],"sentiment":"neutral","sentiment_score":0.20819207934232858,"num_words":65,"start":1002.495,"end":1026.7001},{"sentences":[{"text":"Bear in mind, could be rollercoaster ride still for the next six months.","start":1027.56,"end":1031.505,"sentiment":"neutral","sentiment_score":-0.011766869861346025},{"text":"You'll probably see the super bouncing around similar to what it did just recently where it could drop from...","start":1031.645,"end":1038.7051,"sentiment":"neutral","sentiment_score":-0.11534442987881209},{"text":"It's almost hit a 150,000.","start":1038.8451,"end":1041.265,"sentiment":"neutral","sentiment_score":-0.10095009207725525},{"text":"It could drop to $1.20 and then be up to 200,000 six months later.","start":1041.4851,"end":1045.57,"sentiment":"neutral","sentiment_score":-0.1057362537831068},{"text":"So just bear in mind if you watch it every day, the the range of what it could hit in any month is quite wild at the moment.","start":1045.71,"end":1053.25,"sentiment":"neutral","sentiment_score":-0.13139192666858435}],"sentiment":"neutral","sentiment_score":-0.10137399286031723,"num_words":79,"start":1027.56,"end":1053.25},{"sentences":[{"text":"Cool.","start":1055.07,"end":1055.57,"sentiment":"neutral","sentiment_score":0.20534862577915192},{"text":"That's pretty much everything I needed to cover at the moment.","start":1056.19,"end":1058.59,"sentiment":"neutral","sentiment_score":0.18953162838112225},{"text":"Any questions so far on what we're thinking?","start":1058.59,"end":1060.455,"sentiment":"neutral","sentiment_score":0.04132001171819866},{"text":"Yeah.","start":1082.4501,"end":1082.6901,"sentiment":"neutral","sentiment_score":0.011573698371648788},{"text":"Yeah.","start":1082.6901,"end":1082.93,"sentiment":"neutral","sentiment_score":0.01560130063444376}],"sentiment":"neutral","sentiment_score":0.12036052866923538,"num_words":22,"start":1055.07,"end":1082.93},{"sentences":[{"text":"Yeah.","start":1082.93,"end":1083.25,"sentiment":"neutral","sentiment_score":0.013871666975319386},{"text":"So you sort of opened the account.","start":1083.25,"end":1085.3301,"sentiment":"neutral","sentiment_score":0.0012956224381923676},{"text":"Like, I know usually it takes a little bit of time to open it.","start":1085.3301,"end":1088.115,"sentiment":"neutral","sentiment_score":-0.021452499753130332},{"text":"It was around about...","start":1088.195,"end":1089.015,"sentiment":"neutral","sentiment_score":-0.010558168403804302},{"text":"Actually, this time in 2022 is when you started.","start":1089.715,"end":1093.095,"sentiment":"neutral","sentiment_score":-0.001784604974091053}],"sentiment":"neutral","sentiment_score":-0.00959108831094844,"num_words":35,"start":1082.93,"end":1093.095},{"sentences":[{"text":"When it was all consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020 22.","start":1093.395,"end":1110.6,"sentiment":"neutral","sentiment_score":0.022763175268967945},{"text":"Yeah.","start":1110.6599,"end":1111.1599,"sentiment":"neutral","sentiment_score":0.047299277037382126},{"text":"Correct.","start":1111.2999,"end":1111.7999,"sentiment":"neutral","sentiment_score":0.08211375772953033},{"text":"Yep.","start":1130.715,"end":1131.03,"sentiment":"neutral","sentiment_score":0.022059937939047813},{"text":"Yeah.","start":1141.5901,"end":1142.0901,"sentiment":"positive","sentiment_score":0.4354984760284424}],"sentiment":"neutral","sentiment_score":0.04530493652617389,"num_words":22,"start":1093.395,"end":1142.0901},{"sentences":[{"text":"Absolutely.","start":1142.39,"end":1142.89,"sentiment":"positive","sentiment_score":0.644065260887146},{"text":"I'll kind of do a little bit of that this year as well.","start":1144.215,"end":1147.255,"sentiment":"positive","sentiment_score":0.5295075544944177},{"text":"Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well.","start":1147.255,"end":1158.21,"sentiment":"positive","sentiment_score":0.4098820452754562},{"text":"And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see.","start":1159.09,"end":1168.23,"sentiment":"neutral","sentiment_score":0.1658114232122898},{"text":"In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news.","start":1170.13,"end":1178.4451,"sentiment":"neutral","sentiment_score":0.08497092321515083}],"sentiment":"neutral","sentiment_score":0.27686509649184615,"num_words":110,"start":1142.39,"end":1178.4451},{"sentences":[{"text":"What...","start":1178.505,"end":1178.745,"sentiment":"neutral","sentiment_score":0.024330593645572662},{"text":"When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark after fees over five years.","start":1178.745,"end":1190.13,"sentiment":"neutral","sentiment_score":0.03671053843572736},{"text":"I'm just having a quick look at the old projection there.","start":1194.5099,"end":1198.59,"sentiment":"neutral","sentiment_score":-0.023047754033045334},{"text":"So it was based on a slightly lower income at the time, but you were projected to hit a 130,000 over five years from 2022 to 2027.","start":1198.59,"end":1212.7,"sentiment":"neutral","sentiment_score":-0.050572701531496865},{"text":"So you're a little bit ahead of where you were.","start":1212.7,"end":1214.88,"sentiment":"neutral","sentiment_score":-0.05505263458471745}],"sentiment":"neutral","sentiment_score":-0.014510245606690259,"num_words":77,"start":1178.505,"end":1214.88},{"sentences":[{"text":"Happy with that so far?","start":1218.94,"end":1220.32,"sentiment":"neutral","sentiment_score":0.28837294578552247},{"text":"And I think you were in BT Super the time, weren't you?","start":1222.1399,"end":1226.8251,"sentiment":"neutral","sentiment_score":0.00974751814889411},{"text":"I'm just having a quick look for a moment.","start":1227.9651,"end":1230.125,"sentiment":"neutral","sentiment_score":-0.017435727847947016},{"text":"Please bear with me at what you were invested in at the time.","start":1230.125,"end":1232.9451,"sentiment":"neutral","sentiment_score":-0.061123330432635084},{"text":"Oh, just their old life stages investment.","start":1233.725,"end":1235.8251,"sentiment":"neutral","sentiment_score":-0.10551731288433075}],"sentiment":"neutral","sentiment_score":-0.002854588907212019,"num_words":46,"start":1218.94,"end":1235.8251},{"sentences":[{"text":"Yeah.","start":1236.045,"end":1236.285,"sentiment":"neutral","sentiment_score":-0.18798890709877017},{"text":"That's not very fun.","start":1236.285,"end":1242.67,"sentiment":"negative","sentiment_score":-0.40881237387657166},{"text":"I believe they may have closed the old investment down that you were in at the time.","start":1242.81,"end":1247.2301,"sentiment":"neutral","sentiment_score":-0.24630831883234136},{"text":"Yeah.","start":1248.9701,"end":1249.37,"sentiment":"neutral","sentiment_score":-0.1099344789981842},{"text":"Total return, that's closed.","start":1249.37,"end":1251.9501,"sentiment":"neutral","sentiment_score":-0.16426388546824455}],"sentiment":"neutral","sentiment_score":-0.2510174016157786,"num_words":27,"start":1236.045,"end":1251.9501},{"sentences":[{"text":"I'll have to do a bit of research on that one, but I'll...","start":1252.65,"end":1254.675,"sentiment":"neutral","sentiment_score":-0.12274292226021107},{"text":"Like I said, I'll include some updated projections for you in the plan.","start":1254.675,"end":1259.255,"sentiment":"neutral","sentiment_score":0.0584019568677132},{"text":"And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything.","start":1259.475,"end":1269.89,"sentiment":"neutral","sentiment_score":0.09264562999748666},{"text":"Perfect.","start":1272.27,"end":1272.77,"sentiment":"neutral","sentiment_score":0.05621805414557457},{"text":"Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's...","start":1272.83,"end":1278.0299,"sentiment":"neutral","sentiment_score":-0.009353888025017161}],"sentiment":"neutral","sentiment_score":0.03591044142882785,"num_words":92,"start":1252.65,"end":1278.0299},{"sentences":[{"text":"They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it.","start":1278.0299,"end":1288.475,"sentiment":"neutral","sentiment_score":-0.004305075634928311},{"text":"Awesome.","start":1290.375,"end":1290.875,"sentiment":"positive","sentiment_score":0.5549750924110413},{"text":"The last thing I'll leave you with is just in terms of that review pack.","start":1291.655,"end":1296.0499,"sentiment":"neutral","sentiment_score":0.18150797883669537},{"text":"There's two consent forms if you're still comfortable with the services.","start":1296.19,"end":1300.13,"sentiment":"neutral","sentiment_score":0.09765920517119495},{"text":"So there's a tax file number opt in form, which basically says, are you still comfortable for us to hold your tax file number that we use for the applications, the super, the insurance.","start":1300.35,"end":1311.4551,"sentiment":"neutral","sentiment_score":0.1294780815129771}],"sentiment":"neutral","sentiment_score":0.09060766559682394,"num_words":95,"start":1278.0299,"end":1311.4551},{"sentences":[{"text":"The last one is just in terms of consent for fees.","start":1313.755,"end":1316.415,"sentiment":"neutral","sentiment_score":0.044530619105154816},{"text":"So we still charge 1.65% spread through the year, but we have added in new tiered fee discounts for clients.","start":1316.555,"end":1326.69,"sentiment":"neutral","sentiment_score":0.04181516692042351},{"text":"So what's gonna happen is once you go above 200,000, that percentage will drop to 1.37.","start":1326.75,"end":1333.8099,"sentiment":"neutral","sentiment_score":0.0013117579801473767},{"text":"And then once we get you above 500,000, it'll drop again to 1.1%.","start":1334.0449,"end":1338.3049,"sentiment":"neutral","sentiment_score":-0.03684267072150341},{"text":"K?","start":1340.445,"end":1340.845,"sentiment":"neutral","sentiment_score":0.011194801889359953}],"sentiment":"neutral","sentiment_score":0.014415874733726998,"num_words":61,"start":1313.755,"end":1340.845},{"sentences":[{"text":"So that's in the old service guide, and the new service guide I've sent through to you with you.","start":1340.845,"end":1345.4049,"sentiment":"neutral","sentiment_score":0.012248546252713391},{"text":"So at least you can see that new tiered structure there as well for the future.","start":1345.4049,"end":1352.33,"sentiment":"neutral","sentiment_score":0.05270895198918879},{"text":"Awesome, mate.","start":1352.33,"end":1353.05,"sentiment":"positive","sentiment_score":0.5733115077018738},{"text":"I appreciate you taking a bit of time to update everything with me and go through a few ideas on top of just the insurances.","start":1353.05,"end":1358.67,"sentiment":"positive","sentiment_score":0.4314080798625946},{"text":"But do you have any questions before I let you go today?","start":1359.05,"end":1361.355,"sentiment":"neutral","sentiment_score":0.08343400713056326}],"sentiment":"neutral","sentiment_score":0.1893121447049182,"num_words":74,"start":1340.845,"end":1361.355},{"sentences":[{"text":"Yep.","start":1370.5549,"end":1371.0549,"sentiment":"neutral","sentiment_score":0.08414685726165771},{"text":"Because it's with our new system, most of it is pretty much like a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number.","start":1371.275,"end":1383.01,"sentiment":"neutral","sentiment_score":0.03580769424348376},{"text":"Those two do require a signature if you're comfortable.","start":1383.47,"end":1385.8899,"sentiment":"neutral","sentiment_score":-0.022441572613186307},{"text":"Increase.","start":1391.755,"end":1392.255,"sentiment":"neutral","sentiment_score":-0.017243579030036926},{"text":"Yep.","start":1405.86,"end":1406.36,"sentiment":"neutral","sentiment_score":0.09062543511390686}],"sentiment":"neutral","sentiment_score":0.02718700749630278,"num_words":55,"start":1370.5549,"end":1406.36},{"sentences":[{"text":"Oh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm gonna include in there both the towel pricing and the best alternative that we can find.","start":1415.62,"end":1428.155,"sentiment":"neutral","sentiment_score":0.14572013934721817},{"text":"And then you can go through with me and see both of them together.","start":1428.215,"end":1431.4349,"sentiment":"neutral","sentiment_score":0.14230150250451906},{"text":"Now are you by any chance in front of your computer at the moment?","start":1436.31,"end":1440.01,"sentiment":"neutral","sentiment_score":0.016334192494728735},{"text":"No.","start":1447.645,"end":1447.885,"sentiment":"neutral","sentiment_score":-0.2937912940979004},{"text":"Not right now.","start":1447.885,"end":1448.525,"sentiment":"neutral","sentiment_score":-0.33030136426289874}],"sentiment":"neutral","sentiment_score":0.09170796375289775,"num_words":69,"start":1415.62,"end":1448.525},{"sentences":[{"text":"I'm just gonna resend the pack through.","start":1448.525,"end":1450.625,"sentiment":"neutral","sentiment_score":-0.24177949343408858},{"text":"It needs to be signed on the personal email that's linked to the super fund.","start":1451.165,"end":1456.365,"sentiment":"neutral","sentiment_score":-0.15824966033299764},{"text":"That's all.","start":1456.365,"end":1457.005,"sentiment":"neutral","sentiment_score":-0.10318445041775703},{"text":"So I'm just gonna do a little...","start":1457.005,"end":1458.785,"sentiment":"neutral","sentiment_score":-0.12851811732564652},{"text":"Yep.","start":1459.645,"end":1459.98,"sentiment":"neutral","sentiment_score":-0.00979913305491209}],"sentiment":"neutral","sentiment_score":-0.16193738169386052,"num_words":32,"start":1448.525,"end":1459.98},{"sentences":[{"text":"Oh, perfect.","start":1466.54,"end":1467.26,"sentiment":"neutral","sentiment_score":0.3236108720302582},{"text":"Okay.","start":1467.26,"end":1467.58,"sentiment":"neutral","sentiment_score":0.3056526184082031},{"text":"Cool.","start":1467.58,"end":1468.08,"sentiment":"positive","sentiment_score":0.5594398975372314},{"text":"The only one I was gonna send through was for the consent form just to make sure that you were happy with that fee structure because I can't get you to sign the fee consent until we've talked about the structure together.","start":1468.86,"end":1480.1951,"sentiment":"neutral","sentiment_score":0.007367883099331742},{"text":"So I was just gonna send that one through separately.","start":1480.495,"end":1482.915,"sentiment":"neutral","sentiment_score":0.024998448416590692}],"sentiment":"neutral","sentiment_score":0.03699553275613913,"num_words":56,"start":1466.54,"end":1482.915},{"sentences":[{"text":"Oh, perfect.","start":1488.75,"end":1489.4701,"sentiment":"neutral","sentiment_score":0.32834745943546295},{"text":"Perfect.","start":1489.4701,"end":1489.79,"sentiment":"positive","sentiment_score":0.39842990040779114},{"text":"So I'll send you a text once I send that one through.","start":1489.79,"end":1492.11,"sentiment":"neutral","sentiment_score":0.1956165942053},{"text":"And then in about week and a half, two weeks, the team will give you a call to go through the the insurance quotes, updated projections with me.","start":1492.11,"end":1501.755,"sentiment":"neutral","sentiment_score":0.1724997599210058},{"text":"Awesome.","start":1514.855,"end":1515.255,"sentiment":"positive","sentiment_score":0.4280950725078583}],"sentiment":"neutral","sentiment_score":0.19683209772814403,"num_words":44,"start":1488.75,"end":1515.255},{"sentences":[{"text":"Yeah.","start":1515.255,"end":1515.57,"sentiment":"neutral","sentiment_score":0.1880510449409485},{"text":"We'll always do voice mail and a text because, again, if you're working, that's totally fair.","start":1515.57,"end":1520.95,"sentiment":"neutral","sentiment_score":0.17260631127282977},{"text":"We'll we'll do both the text and a voice mail for you.","start":1522.21,"end":1524.771,"sentiment":"neutral","sentiment_score":0.22306855643788973},{"text":"Awesome, mate.","start":1528.371,"end":1529.091,"sentiment":"positive","sentiment_score":0.8487457931041718},{"text":"Thank you so much for your time today, and I'll talk to you again soon.","start":1529.091,"end":1532.471,"sentiment":"positive","sentiment_score":0.7423220713933308}],"sentiment":"positive","sentiment_score":0.4012803773841132,"num_words":46,"start":1515.255,"end":1532.471},{"sentences":[{"text":"Thanks, mate.","start":1534.451,"end":1535.091,"sentiment":"positive","sentiment_score":0.7071883976459503},{"text":"Bye.","start":1535.091,"end":1535.591,"sentiment":"positive","sentiment_score":0.4466366469860077}],"sentiment":"positive","sentiment_score":0.6203378140926361,"num_words":3,"start":1534.451,"end":1535.591}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Tommy. Right? Hey, Tommy. Good, Tommy. How are you? It's great. A little cold. And, yeah, it started off warm in the morning when I was dropping the boys off at the daycare, and I was like, oh, that's nice. And I came back home and, yeah, was working for some time, came out. It's gray and cold. Yeah. Yeah. Yeah. No. Yes. Yeah. So I'm not too... It is what it is. I like this place. So not really... It doesn't stop me from doing anything, so I'm fine with it. So... But then... Yeah. Yep. Tell me. Tell me. Yep. Oh, yeah. Yeah. Yeah. I booked in time, and then I've I've blocked my calendar. So I'm happy to have a chat and get this. Yeah. Yep. Oh, yes. My date of birth is 07/27/1987, and the address is 26 Brampton Court, Vermont, Victoria 3133. Oh, yes. Yes. You're right. It's y mail dot com. It's my first name dot last name at y mail dot com. Yep. I sold the... We sold the investment property, and we bought we bought another property. So this is our primary place of residence. The... We sold we sold the investment property for $635,000. Yeah. It's... Yeah. One one 1.1... 1.1 mils. Oh, no. No. Exact... To be exactly. It's 1.170 mil. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Correct. Yep. Yep. Mhmm. Oh, yes. Of course, ma'am. If I'm gonna save some couple of $100, yeah, why not? Yeah. Yeah. No. Nothing. Nothing really changed. It really changed health wise. Yes. Yes. Yep. Mhmm. Yeah. My basic is $1.66, and that's my basic salary. So you add another 11 ish for super and plus 10% of my basic is my bonus. So let's say that $16,666 is my bonus. How do I give you a number? I'm just trying to understand because it fluctuates. Right? The bonuses fluctuates and No. No. That's fine. Yeah. So so the number... I can give you exact numbers. So you tell me how do we go about it. So my basic is, like I said, it's $16.06... My basic is $166,000, and my bonus is 10%, which is $16,000 minimum. And... Yep. And then superannuation on top of it. So... But anyway, why don't... Yeah. Okay. See, I I would probably bump it up a little bit. The reason is... I'll tell you I'll tell you before before even bumping it up. This policy, the one that we are talking about is income protection. Right? So what is the basic income? Like, let's say, if I if if I... For whatever reason, like, I I broke my leg and I couldn't really work. What? I don't know. When does this insurance technically kick in? So what should be the reason? So it can be... What can be the reason? So this is related to only injuries. Correct? Illness and injuries. Okay. Okay. Okay. That's the income protection. Okay. All good. No. No. Then no. That's that's fine. So this is to do with illness and injury. All good. That's what I wanted to understand. Like, when does this kick in? Is it because... Will it kick in if my role become redundant and I didn't find an opportunity for next one year? Example, I'm listening. Mhmm. Mhmm. Okay. All good. Yeah. I think I would I would leave the value as is. No. Yes. Yes. Yes. Yes. Yes. Correct. Mhmm. Oh, yeah. No. I do not have a will because... See, I work for a bank, and there is a uni... Financial union which I'm planning to join. And if I join a financial union, writing a will is of no cost. No. No. No. Yeah. I can I I can't? I haven't actually registered, but I know it is... If you're a part of the union, that is a... That's an add on. I'm not too sure how it would pan out. I'm I'm gonna have a chat, and if it works out, it... It's great. If not, I'll reach out to you. Yep. Yeah. Sure. No problem. Yeah. So I do not have... At the moment, we have... We put everything into offset account. So... And that would be... Should be... Give me a sec. I'm gonna... I'll give you a right figure so that it makes. $45,000 as a... Yeah. That's our... That's all the money that we have in yes. Yes. No. No. No. Not at the moment. Not at the moment. So things are not looking great at crypto. So... No. No. It's still there. Yeah. I... I've just left the money as is. It's fluctuating. It's it's low. It's little less. It has gone negative 30% in the sense 30%. It should be around $44,000 is now, but not gonna anyway put more money into it, and I'm gonna see... Wait and see what's gonna happen. Yep. Yeah. Yep. No. I missed you. One second. I'm just gonna make a decision. Give me a sec. What was that? I'm sorry. I missed your... I was focusing on something and... Yeah. Sorry. Yep. Only employee contribution. Yeah. That's fine. Yep. Yep. Yep. Got it. That's great. Yep. Yep. Not really. So I want to understand, when did I join OQ? Like, in the sense... Since when I've been when did I start? Like, because I had a five year... I wanted to review where I was five years before and where am I at the moment. So so so yeah. Yeah. Yep. And at the moment, the number that you see is around $1.50. Okay. All good. So... Yeah. I mean, I want to... You know, in five years, I've done something. I've been a part of the service that you guys offered. And I wanna see after five years, like, which is next year, the same time. I wanna see where I started, how is... How did it grow, and where am I at the moment. And I would like to compare it with other supers and see. Mhmm. Okay. Mhmm. Mhmm. Yep. Oh, yeah. Yeah. Yeah. Yeah. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. No. I think the packs that you sent... Yeah. There is a there is a signed request. Yes. Yes. I gotcha. Okay. Mhmm. Okay. The the superannuation in... The the insurance with Dell, at the moment, like you said, it's sitting $7.50. But like I said, I want to work out to increase it. So would you send me any sort of information around that? Can I expect that in the next few days, or what is the plan? Mhmm. Okay. Easy. I am in front of a computer, but I may not have access because it's an office computer. So you want me to do anything? No. I just signed one. I mean, I just signed the document that you sent earlier. So... Good. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Send it send it out. Yeah. I can do it. I can do it from my phone. So with... Like, I did it. So... Yeah. Sure. And when your team calls me and if I do not pick up, please tell them to... Let them know to leave a message so that I come back to you. Because sometimes... Yeah. Yep. Okay. Sure, Tommy. Thanks. Alright. Thanks. Thanks. Bye. 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I'm good. Tommy. Right? Hey, Tommy.\n\nGood, Tommy. How are you? It's great. A little cold. And, yeah, it started off warm in the morning when I was dropping the boys off at the daycare, and I was like, oh, that's nice.\n\nAnd I came back home and, yeah, was working for some time, came out. It's gray and cold. Yeah. Yeah. Yeah.\n\nNo. Yes. Yeah. So I'm not too... It is what it is.\n\nI like this place. So not really... It doesn't stop me from doing anything, so I'm fine with it. So... But then...\n\nYeah. Yep. Tell me. Tell me. Yep.\n\nOh, yeah. Yeah. Yeah. I booked in time, and then I've I've blocked my calendar. So I'm happy to have a chat and get this.\n\nYeah. Yep. Oh, yes. My date of birth is 07/27/1987, and the address is 26 Brampton Court, Vermont, Victoria 3133. Oh, yes.\n\nYes. You're right. It's y mail dot com. It's my first name dot last name at y mail dot com. Yep.\n\nI sold the... We sold the investment property, and we bought we bought another property. So this is our primary place of residence. The... We sold we sold the investment property for $635,000.\n\nYeah. It's... Yeah. One one 1.1... 1.1 mils.\n\nOh, no. No. Exact... To be exactly. It's 1.170 mil.\n\nYes. Mhmm. Mhmm. Mhmm. Mhmm.\n\nCorrect. Yep. Yep. Mhmm. Oh, yes.\n\nOf course, ma'am. If I'm gonna save some couple of $100, yeah, why not? Yeah. Yeah. No.\n\nNothing. Nothing really changed. It really changed health wise. Yes. Yes.\n\nYep. Mhmm. Yeah. My basic is $1.66, and that's my basic salary. So you add another 11 ish for super and plus 10% of my basic is my bonus.\n\nSo let's say that $16,666 is my bonus. How do I give you a number? I'm just trying to understand because it fluctuates. Right? The bonuses fluctuates and No.\n\nNo. That's fine. Yeah. So so the number... I can give you exact numbers.\n\nSo you tell me how do we go about it. So my basic is, like I said, it's $16.06... My basic is $166,000, and my bonus is 10%, which is $16,000 minimum. And... Yep.\n\nAnd then superannuation on top of it. So... But anyway, why don't... Yeah. Okay.\n\nSee, I I would probably bump it up a little bit. The reason is... I'll tell you I'll tell you before before even bumping it up. This policy, the one that we are talking about is income protection. Right?\n\nSo what is the basic income? Like, let's say, if I if if I... For whatever reason, like, I I broke my leg and I couldn't really work. What? I don't know.\n\nWhen does this insurance technically kick in? So what should be the reason? So it can be... What can be the reason? So this is related to only injuries.\n\nCorrect? Illness and injuries. Okay. Okay. Okay.\n\nThat's the income protection. Okay. All good. No. No.\n\nThen no. That's that's fine. So this is to do with illness and injury. All good. That's what I wanted to understand.\n\nLike, when does this kick in? Is it because... Will it kick in if my role become redundant and I didn't find an opportunity for next one year? Example, I'm listening. Mhmm.\n\nMhmm. Okay. All good. Yeah. I think I would I would leave the value as is.\n\nNo. Yes. Yes. Yes. Yes.\n\nYes. Correct. Mhmm. Oh, yeah. No.\n\nI do not have a will because... See, I work for a bank, and there is a uni... Financial union which I'm planning to join. And if I join a financial union, writing a will is of no cost. No.\n\nNo. No. Yeah. I can I I can't? I haven't actually registered, but I know it is...\n\nIf you're a part of the union, that is a... That's an add on. I'm not too sure how it would pan out. I'm I'm gonna have a chat, and if it works out, it... It's great.\n\nIf not, I'll reach out to you. Yep. Yeah. Sure. No problem.\n\nYeah. So I do not have... At the moment, we have... We put everything into offset account. So...\n\nAnd that would be... Should be... Give me a sec. I'm gonna... I'll give you a right figure so that it makes.\n\n$45,000 as a... Yeah. That's our... That's all the money that we have in yes. Yes.\n\nNo. No. No. Not at the moment. Not at the moment.\n\nSo things are not looking great at crypto. So... No. No. It's still there.\n\nYeah. I... I've just left the money as is. It's fluctuating. It's it's low.\n\nIt's little less. It has gone negative 30% in the sense 30%. It should be around $44,000 is now, but not gonna anyway put more money into it, and I'm gonna see... Wait and see what's gonna happen. Yep.\n\nYeah. Yep. No. I missed you. One second.\n\nI'm just gonna make a decision. Give me a sec. What was that? I'm sorry. I missed your...\n\nI was focusing on something and... Yeah. Sorry. Yep. Only employee contribution.\n\nYeah. That's fine. Yep. Yep. Yep.\n\nGot it. That's great. Yep. Yep. Not really.\n\nSo I want to understand, when did I join OQ? Like, in the sense... Since when I've been when did I start? Like, because I had a five year... I wanted to review where I was five years before and where am I at the moment.\n\nSo so so yeah. Yeah. Yep. And at the moment, the number that you see is around $1.50. Okay.\n\nAll good. So... Yeah. I mean, I want to... You know, in five years, I've done something.\n\nI've been a part of the service that you guys offered. And I wanna see after five years, like, which is next year, the same time. I wanna see where I started, how is... How did it grow, and where am I at the moment. And I would like to compare it with other supers and see.\n\nMhmm. Okay. Mhmm. Mhmm. Yep.\n\nOh, yeah. Yeah. Yeah. Yeah. Mhmm.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. No. I think the packs that you sent... Yeah.\n\nThere is a there is a signed request. Yes. Yes. I gotcha. Okay.\n\nMhmm. Okay. The the superannuation in... The the insurance with Dell, at the moment, like you said, it's sitting $7.50. But like I said, I want to work out to increase it.\n\nSo would you send me any sort of information around that? Can I expect that in the next few days, or what is the plan? Mhmm. Okay. Easy.\n\nI am in front of a computer, but I may not have access because it's an office computer. So you want me to do anything? No. I just signed one. I mean, I just signed the document that you sent earlier.\n\nSo... Good. Oh, yeah. Yeah. Yeah.\n\nYeah. Yeah. Send it send it out. Yeah. I can do it.\n\nI can do it from my phone. So with... Like, I did it. So... Yeah.\n\nSure. And when your team calls me and if I do not pick up, please tell them to... Let them know to leave a message so that I come back to you. Because sometimes... Yeah.\n\nYep. Okay. Sure, Tommy. Thanks. Alright.\n\nThanks. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03826992213726044},{"text":"I'm good.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.3615531921386719},{"text":"Tommy.","start":8.96,"end":9.46,"sentiment":"neutral","sentiment_score":0.1518720984458923},{"text":"Right?","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.161058709025383},{"text":"Hey, Tommy.","start":11.12,"end":11.86,"sentiment":"neutral","sentiment_score":0.1428646519780159}],"sentiment":"neutral","sentiment_score":0.19429091683455876,"num_words":7,"start":0.39999998,"end":11.86},{"sentences":[{"text":"Good, Tommy.","start":12.0,"end":12.559999,"sentiment":"neutral","sentiment_score":0.28577080368995667},{"text":"How are you?","start":12.559999,"end":13.38,"sentiment":"neutral","sentiment_score":0.20850256582101187},{"text":"It's great.","start":18.985,"end":19.885,"sentiment":"positive","sentiment_score":0.4003511667251587},{"text":"A little cold.","start":20.265,"end":21.085,"sentiment":"neutral","sentiment_score":-0.08132999762892723},{"text":"And, yeah, it started off warm in the morning when I was dropping the boys off at the daycare, and I was like, oh, that's nice.","start":23.224998,"end":30.285,"sentiment":"neutral","sentiment_score":0.1110357203019353}],"sentiment":"neutral","sentiment_score":0.12890806592380008,"num_words":36,"start":12.0,"end":30.285},{"sentences":[{"text":"And I came back home and, yeah, was working for some time, came out.","start":30.96,"end":36.5,"sentiment":"neutral","sentiment_score":0.02367664348067982},{"text":"It's gray and cold.","start":36.96,"end":38.079998,"sentiment":"neutral","sentiment_score":-0.09451648220419884},{"text":"Yeah.","start":38.079998,"end":38.579998,"sentiment":"neutral","sentiment_score":-0.01823135651648045},{"text":"Yeah.","start":43.44,"end":43.76,"sentiment":"neutral","sentiment_score":-0.005707909353077412},{"text":"Yeah.","start":43.76,"end":44.16,"sentiment":"neutral","sentiment_score":-0.007393388077616692}],"sentiment":"neutral","sentiment_score":-0.0037107416206882105,"num_words":21,"start":30.96,"end":44.16},{"sentences":[{"text":"No.","start":44.16,"end":44.66,"sentiment":"neutral","sentiment_score":-0.02386682853102684},{"text":"Yes.","start":45.12,"end":45.62,"sentiment":"neutral","sentiment_score":-0.015658695250749588},{"text":"Yeah.","start":45.935,"end":46.135002,"sentiment":"neutral","sentiment_score":0.004560094326734543},{"text":"So I'm not too...","start":46.135002,"end":47.395,"sentiment":"neutral","sentiment_score":-0.0018071994127240032},{"text":"It is what it is.","start":48.415,"end":49.135,"sentiment":"neutral","sentiment_score":0.08234366104006767}],"sentiment":"neutral","sentiment_score":0.03079367317453337,"num_words":12,"start":44.16,"end":49.135},{"sentences":[{"text":"I like this place.","start":49.135,"end":50.175,"sentiment":"positive","sentiment_score":0.40643226355314255},{"text":"So not really...","start":50.175,"end":52.735,"sentiment":"neutral","sentiment_score":0.16810759405295053},{"text":"It doesn't stop me from doing anything, so I'm fine with it.","start":52.735,"end":56.655,"sentiment":"neutral","sentiment_score":0.0944705509270231},{"text":"So...","start":56.655,"end":57.155,"sentiment":"neutral","sentiment_score":0.06585989892482758},{"text":"But 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yeah.","start":71.63,"end":72.03,"sentiment":"neutral","sentiment_score":0.04900091513991356},{"text":"Yeah.","start":72.03,"end":72.11,"sentiment":"neutral","sentiment_score":0.04939775541424751},{"text":"Yeah.","start":72.11,"end":72.229996,"sentiment":"neutral","sentiment_score":0.08603665232658386},{"text":"I booked in time, and then I've I've blocked my calendar.","start":72.229996,"end":74.509995,"sentiment":"neutral","sentiment_score":0.15261118113994598},{"text":"So I'm happy to have a chat and get this.","start":74.509995,"end":76.69,"sentiment":"neutral","sentiment_score":0.3156537294387817}],"sentiment":"neutral","sentiment_score":0.20274786099791528,"num_words":25,"start":71.63,"end":76.69},{"sentences":[{"text":"Yeah.","start":82.595,"end":83.095,"sentiment":"neutral","sentiment_score":0.06470489501953125},{"text":"Yep.","start":92.71,"end":93.21,"sentiment":"neutral","sentiment_score":0.028812915086746216},{"text":"Oh, yes.","start":98.23,"end":98.87,"sentiment":"neutral","sentiment_score":0.026311660185456276},{"text":"My date of birth is 07/27/1987, and the address is 26 Brampton Court, Vermont, Victoria 3133.","start":98.87,"end":108.59499,"sentiment":"neutral","sentiment_score":0.0322803370654583},{"text":"Oh, yes.","start":111.454994,"end":112.195,"sentiment":"positive","sentiment_score":0.49076321721076965}],"sentiment":"neutral","sentiment_score":0.07473422536118464,"num_words":22,"start":82.595,"end":112.195},{"sentences":[{"text":"Yes.","start":117.615,"end":117.935,"sentiment":"neutral","sentiment_score":0.11279603093862534},{"text":"You're right.","start":117.935,"end":118.41499,"sentiment":"neutral","sentiment_score":0.13026630878448486},{"text":"It's y mail dot com.","start":118.41499,"end":119.534996,"sentiment":"neutral","sentiment_score":0.11914507150650025},{"text":"It's my first name dot last name at y mail dot com.","start":119.534996,"end":130.59,"sentiment":"neutral","sentiment_score":0.1216196808964014},{"text":"Yep.","start":130.59,"end":131.09,"sentiment":"neutral","sentiment_score":0.10318790376186372}],"sentiment":"neutral","sentiment_score":0.12055609907422747,"num_words":21,"start":117.615,"end":131.09},{"sentences":[{"text":"I sold the...","start":149.32999,"end":150.61,"sentiment":"neutral","sentiment_score":-0.009270072914659977},{"text":"We sold the investment property, and we bought we bought another property.","start":150.61,"end":158.53,"sentiment":"neutral","sentiment_score":0.01390791218727827},{"text":"So this is our primary place of residence.","start":158.53,"end":160.54999,"sentiment":"neutral","sentiment_score":0.0815933933481574},{"text":"The...","start":169.045,"end":169.545,"sentiment":"neutral","sentiment_score":-0.0036448966711759567},{"text":"We sold we sold the investment property for $635,000.","start":169.765,"end":176.905,"sentiment":"neutral","sentiment_score":-0.015966308096216783}],"sentiment":"neutral","sentiment_score":0.019530006204590653,"num_words":33,"start":149.32999,"end":176.905},{"sentences":[{"text":"Yeah.","start":180.37999,"end":180.7,"sentiment":"neutral","sentiment_score":0.005238763988018036},{"text":"It's...","start":180.7,"end":181.09999,"sentiment":"neutral","sentiment_score":-0.0017201467417180538},{"text":"Yeah.","start":181.09999,"end":181.59999,"sentiment":"neutral","sentiment_score":0.0039260294288396835},{"text":"One one 1.1...","start":197.325,"end":200.545,"sentiment":"neutral","sentiment_score":-0.012476135976612568},{"text":"1.1 mils.","start":202.125,"end":203.165,"sentiment":"neutral","sentiment_score":-0.013227460905909538}],"sentiment":"neutral","sentiment_score":-0.007054835383314639,"num_words":8,"start":180.37999,"end":203.165},{"sentences":[{"text":"Oh, no.","start":203.165,"end":203.405,"sentiment":"neutral","sentiment_score":-0.04911528714001179},{"text":"No.","start":203.405,"end":203.565,"sentiment":"neutral","sentiment_score":-0.07803818583488464},{"text":"Exact...","start":203.565,"end":203.885,"sentiment":"neutral","sentiment_score":-0.04993356764316559},{"text":"To be exactly.","start":203.885,"end":204.705,"sentiment":"neutral","sentiment_score":-0.03803436520198981},{"text":"It's 1.170 mil.","start":204.765,"end":207.62,"sentiment":"neutral","sentiment_score":-0.013887695347269377}],"sentiment":"neutral","sentiment_score":-0.038196850940585135,"num_words":10,"start":203.165,"end":207.62},{"sentences":[{"text":"Yes.","start":212.88,"end":213.38,"sentiment":"neutral","sentiment_score":0.11715146899223328},{"text":"Mhmm.","start":227.685,"end":228.185,"sentiment":"neutral","sentiment_score":0.04197172820568085},{"text":"Mhmm.","start":228.325,"end":228.825,"sentiment":"neutral","sentiment_score":0.03756096959114075},{"text":"Mhmm.","start":231.78,"end":232.28,"sentiment":"neutral","sentiment_score":0.00466545345261693},{"text":"Mhmm.","start":245.62,"end":245.94,"sentiment":"neutral","sentiment_score":-0.00972302444279194}],"sentiment":"neutral","sentiment_score":0.038325319159775974,"num_words":5,"start":212.88,"end":245.94},{"sentences":[{"text":"Correct.","start":245.94,"end":246.44,"sentiment":"neutral","sentiment_score":-0.004617001861333847},{"text":"Yep.","start":249.545,"end":249.94499,"sentiment":"neutral","sentiment_score":0.07998234033584595},{"text":"Yep.","start":249.94499,"end":250.44499,"sentiment":"neutral","sentiment_score":0.07854518294334412},{"text":"Mhmm.","start":256.665,"end":257.165,"sentiment":"neutral","sentiment_score":0.03568260744214058},{"text":"Oh, 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bonus.","start":357.25998,"end":369.245,"sentiment":"neutral","sentiment_score":0.11975826673647937}],"sentiment":"neutral","sentiment_score":0.09748270446113472,"num_words":29,"start":330.79,"end":369.245},{"sentences":[{"text":"So let's say that $16,666 is my bonus.","start":369.245,"end":374.28,"sentiment":"neutral","sentiment_score":0.08973907493054867},{"text":"How do I give you a number?","start":377.06,"end":378.18,"sentiment":"neutral","sentiment_score":0.022725108478750502},{"text":"I'm just trying to understand because it fluctuates.","start":378.18,"end":380.76,"sentiment":"neutral","sentiment_score":-0.030470697209239006},{"text":"Right?","start":380.82,"end":381.14,"sentiment":"neutral","sentiment_score":0.1040121465921402},{"text":"The bonuses fluctuates and No.","start":381.14,"end":421.245,"sentiment":"neutral","sentiment_score":-0.004840725660324096}],"sentiment":"neutral","sentiment_score":0.02458728618662933,"num_words":29,"start":369.245,"end":421.245},{"sentences":[{"text":"No.","start":421.245,"end":421.405,"sentiment":"neutral","sentiment_score":-0.11702412366867064},{"text":"That's fine.","start":421.405,"end":421.965,"sentiment":"neutral","sentiment_score":-0.01159423217177391},{"text":"Yeah.","start":421.965,"end":422.285,"sentiment":"neutral","sentiment_score":0.07704387605190277},{"text":"So so the number...","start":422.285,"end":424.045,"sentiment":"neutral","sentiment_score":0.09295967221260071},{"text":"I can give you exact numbers.","start":424.045,"end":425.48502,"sentiment":"neutral","sentiment_score":0.05079051169256369}],"sentiment":"neutral","sentiment_score":0.04381521764610495,"num_words":14,"start":421.245,"end":425.48502},{"sentences":[{"text":"So you tell me how do we go about it.","start":425.48502,"end":428.145,"sentiment":"neutral","sentiment_score":0.06612662859261036},{"text":"So my basic is, like I said, it's $16.06...","start":428.93,"end":432.55,"sentiment":"neutral","sentiment_score":0.10427548156844245},{"text":"My basic is $166,000, and my bonus is 10%, which is $16,000 minimum.","start":433.01,"end":444.07,"sentiment":"neutral","sentiment_score":0.11566500766919209},{"text":"And...","start":446.14502,"end":446.64502,"sentiment":"neutral","sentiment_score":0.05019395053386688},{"text":"Yep.","start":446.945,"end":447.345,"sentiment":"neutral","sentiment_score":0.06431040167808533}],"sentiment":"neutral","sentiment_score":0.09464397270451574,"num_words":34,"start":425.48502,"end":447.345},{"sentences":[{"text":"And then superannuation on top of 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even bumping it up.","start":484.39502,"end":488.07,"sentiment":"neutral","sentiment_score":-0.048536937373379864},{"text":"This policy, the one that we are talking about is income protection.","start":489.35,"end":493.03,"sentiment":"neutral","sentiment_score":0.00824573403224349},{"text":"Right?","start":493.03,"end":493.53,"sentiment":"neutral","sentiment_score":0.016408711671829224}],"sentiment":"neutral","sentiment_score":-0.07390726687243351,"num_words":39,"start":480.55502,"end":493.53},{"sentences":[{"text":"So what is the basic income?","start":495.19,"end":497.85,"sentiment":"neutral","sentiment_score":-0.015190020514031252},{"text":"Like, let's say, if I if if I...","start":498.07,"end":500.81,"sentiment":"neutral","sentiment_score":-0.037032242864370346},{"text":"For whatever reason, like, I I broke my leg and I couldn't really 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related to only injuries.","start":547.69,"end":550.19,"sentiment":"neutral","sentiment_score":-0.08488339611462184}],"sentiment":"neutral","sentiment_score":-0.07833157132925658,"num_words":29,"start":507.695,"end":550.19},{"sentences":[{"text":"Correct?","start":550.25,"end":550.75,"sentiment":"neutral","sentiment_score":-0.05687762051820755},{"text":"Illness and injuries.","start":553.05,"end":554.00995,"sentiment":"neutral","sentiment_score":-0.10614966601133347},{"text":"Okay.","start":554.00995,"end":554.50995,"sentiment":"neutral","sentiment_score":-0.003880782052874565},{"text":"Okay.","start":555.13,"end":555.63,"sentiment":"neutral","sentiment_score":0.03440682590007782},{"text":"Okay.","start":556.57,"end":556.97,"sentiment":"neutral","sentiment_score":0.042757295072078705}],"sentiment":"neutral","sentiment_score":-0.043149039947560856,"num_words":7,"start":550.25,"end":556.97},{"sentences":[{"text":"That's the income 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time.","start":1121.545,"end":1125.405,"sentiment":"neutral","sentiment_score":0.02804826224843661},{"text":"I wanna see where I started, how is...","start":1125.545,"end":1129.145,"sentiment":"neutral","sentiment_score":0.035492670722305775},{"text":"How did it grow, and where am I at the moment.","start":1129.145,"end":1132.99,"sentiment":"neutral","sentiment_score":0.011688542896246707},{"text":"And I would like to compare it with other supers and 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yeah.","start":1220.54,"end":1220.86,"sentiment":"neutral","sentiment_score":0.07202258333563805},{"text":"Yeah.","start":1220.86,"end":1221.02,"sentiment":"neutral","sentiment_score":0.06353916227817535},{"text":"Yeah.","start":1221.02,"end":1221.52,"sentiment":"neutral","sentiment_score":0.045262183994054794},{"text":"Yeah.","start":1225.66,"end":1226.16,"sentiment":"neutral","sentiment_score":-0.00767483189702034},{"text":"Mhmm.","start":1270.11,"end":1270.51,"sentiment":"neutral","sentiment_score":0.08921155333518982}],"sentiment":"neutral","sentiment_score":0.05573053906361262,"num_words":6,"start":1220.54,"end":1270.51},{"sentences":[{"text":"Yep.","start":1270.51,"end":1271.01,"sentiment":"neutral","sentiment_score":0.20428690314292908},{"text":"Yep.","start":1288.8151,"end":1289.3151,"sentiment":"neutral","sentiment_score":0.3096643388271332},{"text":"Yep.","start":1312.325,"end":1312.825,"sentiment":"neutral","sentiment_score":0.11991547048091888},{"text":"Yep.","start":1333.73,"end":1334.21,"sentiment":"neutral","sentiment_score":0.03579931706190109},{"text":"Mhmm.","start":1334.21,"end":1334.71,"sentiment":"neutral","sentiment_score":0.0010415185242891312}],"sentiment":"neutral","sentiment_score":0.13414150960743426,"num_words":5,"start":1270.51,"end":1334.71},{"sentences":[{"text":"Yep.","start":1338.945,"end":1339.445,"sentiment":"neutral","sentiment_score":0.03508614003658295},{"text":"Yep.","start":1350.77,"end":1351.27,"sentiment":"neutral","sentiment_score":0.05972055718302727},{"text":"No.","start":1362.645,"end":1362.8049,"sentiment":"neutral","sentiment_score":-0.06584706902503967},{"text":"I think the packs that you sent...","start":1362.8049,"end":1365.3049,"sentiment":"neutral","sentiment_score":-0.04740657976695469},{"text":"Yeah.","start":1366.565,"end":1366.885,"sentiment":"neutral","sentiment_score":-0.007102567702531815}],"sentiment":"neutral","sentiment_score":-0.02818081798878583,"num_words":11,"start":1338.945,"end":1366.885},{"sentences":[{"text":"There is a there is a signed request.","start":1366.885,"end":1368.645,"sentiment":"neutral","sentiment_score":-0.02100096410140395},{"text":"Yes.","start":1368.645,"end":1368.965,"sentiment":"neutral","sentiment_score":0.03367824852466583},{"text":"Yes.","start":1368.965,"end":1369.2849,"sentiment":"neutral","sentiment_score":0.04298088699579239},{"text":"I gotcha.","start":1369.2849,"end":1369.945,"sentiment":"neutral","sentiment_score":0.04320365935564041},{"text":"Okay.","start":1370.085,"end":1370.585,"sentiment":"neutral","sentiment_score":0.06745108217000961}],"sentiment":"neutral","sentiment_score":0.004808447968501311,"num_words":13,"start":1366.885,"end":1370.585},{"sentences":[{"text":"Mhmm.","start":1386.38,"end":1386.7799,"sentiment":"neutral","sentiment_score":-0.002865229733288288},{"text":"Okay.","start":1386.7799,"end":1387.2799,"sentiment":"neutral","sentiment_score":-0.009450793266296388},{"text":"The the superannuation in...","start":1387.6599,"end":1393.695,"sentiment":"neutral","sentiment_score":-0.018461389001458883},{"text":"The the insurance with Dell, at the moment, like you said, it's sitting $7.50.","start":1393.695,"end":1399.075,"sentiment":"neutral","sentiment_score":-0.06286746210285596},{"text":"But like I said, I want to work out to increase it.","start":1399.5349,"end":1405.48,"sentiment":"neutral","sentiment_score":-0.05785843698928753}],"sentiment":"neutral","sentiment_score":-0.05189397788490169,"num_words":32,"start":1386.38,"end":1405.48},{"sentences":[{"text":"So would you send me any sort of information around that?","start":1405.48,"end":1410.06,"sentiment":"neutral","sentiment_score":0.047411785715005615},{"text":"Can I expect that in the next few days, or what is the plan?","start":1410.4401,"end":1414.7001,"sentiment":"neutral","sentiment_score":0.03333854196327073},{"text":"Mhmm.","start":1421.885,"end":1422.385,"sentiment":"neutral","sentiment_score":0.08188008517026901},{"text":"Okay.","start":1433.27,"end":1433.67,"sentiment":"neutral","sentiment_score":0.15761038661003113},{"text":"Easy.","start":1433.67,"end":1434.17,"sentiment":"neutral","sentiment_score":0.1642167568206787}],"sentiment":"neutral","sentiment_score":0.04971344496256539,"num_words":28,"start":1405.48,"end":1434.17},{"sentences":[{"text":"I am in front of a computer, but I may not have access because it's an office computer.","start":1440.39,"end":1444.89,"sentiment":"neutral","sentiment_score":-0.09228332775334518},{"text":"So you want me to do anything?","start":1445.03,"end":1447.215,"sentiment":"neutral","sentiment_score":-0.04427671565541199},{"text":"No.","start":1457.6749,"end":1457.9149,"sentiment":"neutral","sentiment_score":-0.21054847538471225},{"text":"I just signed one.","start":1457.9149,"end":1459.02,"sentiment":"neutral","sentiment_score":-0.18707408756017685},{"text":"I mean, I just signed the document that you sent earlier.","start":1459.02,"end":1465.5,"sentiment":"neutral","sentiment_score":-0.027917228977788578}],"sentiment":"neutral","sentiment_score":-0.07895051837876076,"num_words":41,"start":1440.39,"end":1465.5},{"sentences":[{"text":"So...","start":1465.5,"end":1466.0,"sentiment":"neutral","sentiment_score":-0.012420631013810636},{"text":"Good.","start":1468.7001,"end":1469.2001,"sentiment":"positive","sentiment_score":0.5158891677856445},{"text":"Oh, yeah.","start":1479.665,"end":1480.145,"sentiment":"neutral","sentiment_score":0.02696993760764599},{"text":"Yeah.","start":1480.145,"end":1480.385,"sentiment":"neutral","sentiment_score":0.02999700978398323},{"text":"Yeah.","start":1480.385,"end":1480.7051,"sentiment":"neutral","sentiment_score":0.02989920601248741}],"sentiment":"neutral","sentiment_score":0.10288410463059942,"num_words":6,"start":1465.5,"end":1480.7051},{"sentences":[{"text":"Yeah.","start":1480.7051,"end":1480.865,"sentiment":"neutral","sentiment_score":0.02406385913491249},{"text":"Yeah.","start":1480.865,"end":1481.365,"sentiment":"neutral","sentiment_score":0.02473386377096176},{"text":"Send it send it out.","start":1481.665,"end":1483.025,"sentiment":"neutral","sentiment_score":0.025042834132909773},{"text":"Yeah.","start":1483.025,"end":1483.265,"sentiment":"neutral","sentiment_score":0.08191540092229843},{"text":"I can do it.","start":1483.265,"end":1484.0651,"sentiment":"neutral","sentiment_score":0.09214620292186737}],"sentiment":"neutral","sentiment_score":0.05204267551501592,"num_words":12,"start":1480.7051,"end":1484.0651},{"sentences":[{"text":"I can do it from my phone.","start":1484.0651,"end":1485.185,"sentiment":"neutral","sentiment_score":0.08204516981329237},{"text":"So with...","start":1485.185,"end":1485.8251,"sentiment":"neutral","sentiment_score":0.024245248641818762},{"text":"Like, I did it.","start":1485.8251,"end":1487.045,"sentiment":"neutral","sentiment_score":0.031133535783737898},{"text":"So...","start":1487.75,"end":1488.25,"sentiment":"neutral","sentiment_score":0.02146277576684952},{"text":"Yeah.","start":1490.15,"end":1490.65,"sentiment":"neutral","sentiment_score":0.15980130434036255}],"sentiment":"neutral","sentiment_score":0.061906993947923185,"num_words":15,"start":1484.0651,"end":1490.65},{"sentences":[{"text":"Sure.","start":1502.4149,"end":1502.9149,"sentiment":"neutral","sentiment_score":0.10139790177345276},{"text":"And when your team calls me and if I do not pick up, please tell them to...","start":1503.375,"end":1510.9149,"sentiment":"neutral","sentiment_score":-0.03428448692840688},{"text":"Let them know to leave a message so that I come back to you.","start":1511.135,"end":1514.515,"sentiment":"neutral","sentiment_score":0.06318651459046773},{"text":"Because sometimes...","start":1515.09,"end":1516.15,"sentiment":"neutral","sentiment_score":0.1450652927160263},{"text":"Yeah.","start":1516.37,"end":1516.87,"sentiment":"neutral","sentiment_score":0.11007480323314668}],"sentiment":"neutral","sentiment_score":0.02295366334063666,"num_words":35,"start":1502.4149,"end":1516.87},{"sentences":[{"text":"Yep.","start":1521.17,"end":1521.67,"sentiment":"neutral","sentiment_score":0.0021312101744115353},{"text":"Okay.","start":1525.57,"end":1526.0499,"sentiment":"neutral","sentiment_score":0.18032994866371155},{"text":"Sure, Tommy.","start":1526.0499,"end":1526.85,"sentiment":"neutral","sentiment_score":0.3167285621166229},{"text":"Thanks.","start":1526.85,"end":1527.35,"sentiment":"positive","sentiment_score":0.7371965050697327},{"text":"Alright.","start":1529.911,"end":1530.411,"sentiment":"positive","sentiment_score":0.6306662559509277}],"sentiment":"positive","sentiment_score":0.36396350734867156,"num_words":6,"start":1521.17,"end":1530.411},{"sentences":[{"text":"Thanks.","start":1533.111,"end":1533.351,"sentiment":"positive","sentiment_score":0.7433727383613586},{"text":"Thanks.","start":1533.351,"end":1533.6709,"sentiment":"positive","sentiment_score":0.7044652104377747},{"text":"Bye.","start":1533.6709,"end":1534.1709,"sentiment":"positive","sentiment_score":0.4615227580070496},{"text":"Bye.","start":1535.591,"end":1536.091,"sentiment":"neutral","sentiment_score":-0.11748328059911728}],"sentiment":"positive","sentiment_score":0.4479693565517664,"num_words":4,"start":1533.111,"end":1536.091}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Kaushik. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing?\n\nChannel 1: I'm good. Tommy. Right?\n\nChannel 0: Yes.\n\nChannel 1: Hey, Tommy. Good, Tommy. How are you?\n\nChannel 0: Right. Doing fantastic. It's a beautiful, rainy day on the Gold Coast. What about in Victoria?\n\nChannel 1: It's great. A little cold. And, yeah, it started off warm in the morning when I was dropping the boys off at\n\nChannel 0: Yeah.\n\nChannel 1: the daycare, and I was like, oh, that's nice. And I came back home and, yeah, was working for some time, came out. It's gray and cold. Yeah.\n\nChannel 0: That's the thing about Victoria I find is it tends to just bounce around, and it can be\n\nChannel 1: Yeah.\n\nChannel 0: summer\n\nChannel 1: Yeah.\n\nChannel 0: and winter\n\nChannel 1: No.\n\nChannel 0: on every couple of\n\nChannel 1: Yes.\n\nChannel 0: days.\n\nChannel 1: Yeah. So I'm not too... It is what it is. I like this place. So not really...\n\nIt doesn't stop me from doing anything, so I'm fine with it. So...\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: But then... Yeah. Yep. Tell me. Tell me.\n\nChannel 0: Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review. Just wondering if you've still got some\n\nChannel 1: Yep.\n\nChannel 0: time for me.\n\nChannel 1: Oh, yeah. Yeah. Yeah. I booked in time, and then I've I've blocked my calendar. So I'm happy to have a chat and get this.\n\nChannel 0: No worries at all. What I'll do is I've got a bit of an email pack to send through to you. And\n\nChannel 1: Yeah.\n\nChannel 0: just while I'm sending that through, I'll just go through security with you. So whenever you're dealing with an adviser, I'm registered with ASIC as adviser one two seven three one\n\nChannel 1: Yep.\n\nChannel 0: 05. Can I please confirm your date of birth and address that we would have on file?\n\nChannel 1: Oh, yes. My date of birth is 07/27/1987, and\n\nChannel 0: Yep.\n\nChannel 1: the address is 26 Brampton Court, Vermont, Victoria 3133.\n\nChannel 0: Perfect. And are you okay for the call to be recorded?\n\nChannel 1: Oh, yes.\n\nChannel 0: Amazing. For your email address, are you still okay for the the Ymail?\n\nChannel 1: Yes. You're right. It's y mail dot com. It's my\n\nChannel 0: Cool.\n\nChannel 1: first\n\nChannel 0: So I'll\n\nChannel 1: name\n\nChannel 0: pop\n\nChannel 1: dot\n\nChannel 0: that\n\nChannel 1: last name\n\nChannel 0: through.\n\nChannel 1: at y mail dot\n\nChannel 0: That's the one. Now what I've got in front of me at the moment is just your your client fax line with all of your details.\n\nChannel 1: com. Yep.\n\nChannel 0: Now I'll start off with updating a few details, and then I'll dive into some options for you. In terms of the property purchase, So I'm having a look here. We've got an investment property already on file, so I'm assuming you've now got a second.\n\nChannel 1: I sold the... We sold the investment property,\n\nChannel 0: Yep.\n\nChannel 1: and we bought we bought another property. So this is our primary place of residence.\n\nChannel 0: Perfect. Perfect. So from the sale of that property, can I just take down the property value and loan on the new property?\n\nChannel 1: The... We sold we sold the investment property for $635,000.\n\nChannel 0: Yep. Sold for $6.35.\n\nChannel 1: Yeah. It's... Yeah.\n\nChannel 0: And for the new one, what would... I can do a bit of an online valuation, but I'm assuming that's 26 Brompton Court. And do you know how much you've got owing left on that one now after\n\nChannel 1: One\n\nChannel 0: the\n\nChannel 1: one\n\nChannel 0: sale?\n\nChannel 1: 1.1... 1.1 mils. Oh, no. No. Exact...\n\nTo be exactly. It's 1.170 mil.\n\nChannel 0: Yep. And in terms of the value, is that around 1.3?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So I've got that added down. Now just in terms of the insurance side of things, so part of that pack I've sent you just includes the summary of how the super has been going, your towel certificate of currency for the insurances,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: update service guides with us, and a couple of consent forms.\n\nChannel 1: Mhmm.\n\nChannel 0: You have currently 750,000 just under of life and TPD insurance for total disability. Are you wanting to kind of match the new debt exactly?\n\nChannel 1: Mhmm. Correct.\n\nChannel 0: Do you want me to do some... Yep. So just a a straight up matching quote?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Alright. Now in terms of when that was put in place, that was October 2022.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll do an alteration quote with Tao. In addition to that, do you want me to kind of do normally do a bit of a comparison with the other insurers to see if someone will offer, you know, above 1,000,000 for a cheaper price? Do you want me to look\n\nChannel 1: Oh,\n\nChannel 0: into\n\nChannel 1: yes.\n\nChannel 0: some alternative?\n\nChannel 1: Of course, ma'am. If I'm gonna save some couple of $100, yeah, why not?\n\nChannel 0: Absolutely. I always try and make sure that if we're gonna replace a policy, we replace it with either something that's as good quality, but for the cheaper price, not really\n\nChannel 1: Yeah.\n\nChannel 0: skimping on one or the other.\n\nChannel 1: Yeah.\n\nChannel 0: Now from 2022, call it August... Sorry, October 2022, have you had any health changes or new diagnosis, medications, or concerns that I would have to factor in. Because if there's been, like, a shoulder reconstruction in between then and now, you might get an exclusion on a new policy, and I just have to be careful with the underwriting\n\nChannel 1: No.\n\nChannel 0: research.\n\nChannel 1: Nothing. Nothing really changed. It really changed health wise.\n\nChannel 0: Cool. So anything that we use previously for towel, we can just use that for the new provider if we find one.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. There's no trauma insurance, but there is income protection. So\n\nChannel 1: Yep.\n\nChannel 0: I'll just quickly check that one with you. That's covering you for 10,358 a month. That is a 70% policy, so it's protecting an income now of about 177,000. I know you're on about one sixty plus bonuses previously. What's the income looking like at the moment?\n\nChannel 1: Mhmm. Yeah. My basic is $1.66,\n\nChannel 0: One\n\nChannel 1: and\n\nChannel 0: sixty six.\n\nChannel 1: that's my basic salary. So you add another 11 ish for super and plus 10% of my basic is my bonus. So let's say that $16,666 is my bonus. How do I give you a number? I'm just trying to understand because it\n\nChannel 0: No.\n\nChannel 1: fluctuates.\n\nChannel 0: That's perfect.\n\nChannel 1: Right? The bonuses fluctuates and\n\nChannel 0: Yeah. So what they usually do, it's an indemnity policy. So what tends to happen is, let's say you're... You've got a waiting period and a benefit period. If you're off work for four weeks, you do a claim.\n\nYou basically give them your twelve month income, and they go, okay. Base is $1.66. You've had, let's say, 16,000 of bonuses, for example. If that covers the amount that you're insured for, then you get paid the maximum that you're insured for. If for some reason that you only earn a 140,000 on paper, then they can only pay you a percentage on the income that you lost.\n\nChannel 1: No. No. That's fine. Yeah. So so\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: that'll\n\nChannel 1: number...\n\nChannel 0: work\n\nChannel 1: I can give you exact numbers. So you tell\n\nChannel 0: out\n\nChannel 1: me how do\n\nChannel 0: pretty\n\nChannel 1: we go about it.\n\nChannel 0: well? No. That's\n\nChannel 1: So\n\nChannel 0: perfectly\n\nChannel 1: my basic\n\nChannel 0: fine.\n\nChannel 1: is, like I said, it's $16.06... My basic is $166,000,\n\nChannel 0: Yep.\n\nChannel 1: and my bonus is 10%, which is $16,000 minimum.\n\nChannel 0: Yep.\n\nChannel 1: And... Yep. And then superannuation on top of it. So...\n\nChannel 0: On\n\nChannel 1: But anyway,\n\nChannel 0: top. Yeah.\n\nChannel 1: why don't...\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: I don't think you would have any problem with the claim. If for whatever reason you aren't... Like, you aren't zero bonuses for an entire year, then you might get paid a slightly lower amount if you were to claim.\n\nChannel 1: Okay.\n\nChannel 0: But I don't see any issues there. And as long as 10,000 a month would cover your expenses, probably not any reason to kind of change the the policy amounts at this point.\n\nChannel 1: See,\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: think\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: would probably bump it up a little bit.\n\nChannel 0: looking. A\n\nChannel 1: The\n\nChannel 0: little\n\nChannel 1: reason\n\nChannel 0: bit?\n\nChannel 1: is... I'll tell you I'll tell you before before even bumping it up. This policy, the one that we are talking about is income protection. Right?\n\nChannel 0: Correct.\n\nChannel 1: So what is the basic income? Like, let's say, if I if if I... For whatever reason, like, I I broke my leg and I couldn't really work. What?\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. When does this insurance technically kick in?\n\nChannel 0: After four weeks.\n\nChannel 1: So what should be the reason? So it\n\nChannel 0: If...\n\nChannel 1: can be... What can be the\n\nChannel 0: Yeah.\n\nChannel 1: reason?\n\nChannel 0: Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period. So let's say the doctor says, oh, you broke your leg. You have to take off three months, six months, whatever it is. And let's say for three months, you're you're still off work, you go into the doctor, and the doctor says, oh, you need another two months off. That is what the basis is for the claim, and they can pay you monthly for up to your benefit period of five years per injury, per claim,\n\nChannel 1: So this is related to only injuries. Correct?\n\nChannel 0: and illnesses as well.\n\nChannel 1: Illness and injuries. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Covers both.\n\nChannel 1: Okay. That's the income protection. Okay. All good.\n\nChannel 0: And\n\nChannel 1: No. No.\n\nChannel 0: generally\n\nChannel 1: Then\n\nChannel 0: speaking, if you're off work for more than five years, you probably get the TPD claim. You know, doctors would probably say you're not likely to return to work. So there's that lump sum million dollars, whatever the amount is, after that.\n\nChannel 1: no. That's that's fine. So this is to do with illness and injury. All good. That's what I wanted\n\nChannel 0: Correct.\n\nChannel 1: to understand. Like, when does this kick in? Is it because... Will it kick in if my role become redundant and I didn't find an opportunity for next one year? Example,\n\nChannel 0: No.\n\nChannel 1: I'm listening.\n\nChannel 0: So that's the only thing that's not covered is unemployment or redundancy. It's not legal for them to offer, like, unemployment insurance like in The US. That's all, you know, Centrelink or contract based.\n\nChannel 1: Mhmm. Mhmm. Okay. All good.\n\nChannel 0: So just illness and injury.\n\nChannel 1: Yeah. I think I would I would leave the value as is.\n\nChannel 0: Okay. Leave it as is. That's no worries at all. I've got your updated income added. I'm just adding it to the file.\n\n$1.82, including bonuses, 600, and super on top. That's perfect. Just quickly on terms of other assets and liabilities, and you haven't changed the occupation title.\n\nChannel 1: No.\n\nChannel 0: You're still senior consultants\n\nChannel 1: Yes.\n\nChannel 0: with\n\nChannel 1: Yes.\n\nChannel 0: NAB?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Uning degree qualified, so that's perfect. In terms of family side of things, we have you married with two dependents, the boys.\n\nChannel 1: Yes. Yes.\n\nChannel 0: I'm just double checking. So for the beneficiary nominations, we're nominating your partner to receive the super. Correct?\n\nChannel 1: Correct.\n\nChannel 0: Correct. Okay. So I don't see it on there on the hub account currently. Are you okay for me to kind of post out one of the forms there to get her nominated?\n\nChannel 1: Mhmm. Oh, yeah.\n\nChannel 0: Yep. Perfect. And just quickly, like, a side piece to that in terms of estate planning, you don't have, like, a will or a power of attorney\n\nChannel 1: No.\n\nChannel 0: in place?\n\nChannel 1: I do not have a will because... See, I work for a bank,\n\nChannel 0: Yeah.\n\nChannel 1: and there is a uni... Financial union which I'm\n\nChannel 0: Oh.\n\nChannel 1: planning to join.\n\nChannel 0: Yep.\n\nChannel 1: And if I join a financial union, writing a will is of no cost.\n\nChannel 0: I will cost no cost. Alright. So you don't need to talk to any lawyers or anything. Just go\n\nChannel 1: No.\n\nChannel 0: through the union,\n\nChannel 1: No. No. Yeah.\n\nChannel 0: essentially.\n\nChannel 1: I can I I can't? I haven't actually registered, but I know it is... If you're a part of the union, that is a... That's an add on. I'm not too sure how it would pan out.\n\nI'm I'm gonna have a chat, and if it works out, it... It's great. If not, I'll reach out to you.\n\nChannel 0: Yep. No worries at all. So we'll just do the beneficiary nominations and leave the will alone\n\nChannel 1: Yep.\n\nChannel 0: at this point. And just lastly, in terms of the assets and liabilities, we had a car, some savings, and offset account in crypto listed. Do you mind if I just quickly update those values with you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. Still no car loan?\n\nChannel 1: No problem.\n\nChannel 0: Cool. Savings and offset, we had kind of split, like a savings account of about 12,000, offset account of about 80,000. I'm\n\nChannel 1: Yeah.\n\nChannel 0: not sure how much you have to mix in for the property purchase.\n\nChannel 1: So I do not have... At the moment, we have... We put everything into offset account.\n\nChannel 0: Yep. K. So I'll clear that out.\n\nChannel 1: So... And that would be... Should be... Give me a sec. I'm gonna...\n\nI'll give you a right figure so that it makes.\n\nChannel 0: No worries.\n\nChannel 1: $45,000\n\nChannel 0: 40\n\nChannel 1: as\n\nChannel 0: 5.\n\nChannel 1: a... Yeah. That's our... That's all the money that we have in\n\nChannel 0: So liquid cash that you could access\n\nChannel 1: yes.\n\nChannel 0: if you needed to.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And just lastly, do you still have any sort of crypto investments that you're adding to over time, or is it just\n\nChannel 1: No.\n\nChannel 0: kind of\n\nChannel 1: No.\n\nChannel 0: sitting\n\nChannel 1: No. Not\n\nChannel 0: there\n\nChannel 1: at\n\nChannel 0: growing?\n\nChannel 1: the moment. Not at the moment. So things are not looking great at crypto. So...\n\nChannel 0: Cool. Do you want me to clear that out as zero like it's been sold, or is there still just a 6,000 floating around?\n\nChannel 1: No. No. It's still there. Yeah. I...\n\nI've just left the money as is.\n\nChannel 0: Yep.\n\nChannel 1: It's\n\nChannel 0: No worries.\n\nChannel 1: fluctuating. It's it's low. It's little less. It has gone negative 30% in the sense 30%. It should be around $44,000 is now, but not gonna anyway put more money into it, and I'm gonna see...\n\nWait and see what's gonna happen.\n\nChannel 0: Yep. Wait\n\nChannel 1: Yep.\n\nChannel 0: and see. So no advice on the personal investment. Perfect. I'll swing over into the\n\nChannel 1: Yeah.\n\nChannel 0: super there. So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well. Now...\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Go for it.\n\nChannel 1: No. I missed you. One second. I'm just gonna make a decision. Give me\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: No worries.\n\nChannel 1: sec. What was that? I'm sorry. I missed your... I was focusing on something and...\n\nYeah. Sorry.\n\nChannel 0: That's okay, mate. With the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has.\n\nChannel 1: Yep.\n\nChannel 0: Now I'll base that on your new income with what the employer is putting into super. I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer contributions.\n\nChannel 1: Only employee contribution.\n\nChannel 0: Yep. No worries at all. And just for the investment side of things, so when we model it, it's based off your current portfolio, which is an aggressive portfolio. You've got pretty much everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns. And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees.\n\nI'm just wanting to double check, are you still okay with that kind of high growth aggressive profile?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. So still focus pretty much on getting as much returns as possible. And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level. Because, again, when you're in your sixties, you probably don't want to be high risk a day before you retire\n\nChannel 1: Yep.\n\nChannel 0: and stock market crashes and you lose half of it. Do you know what I mean? Perfect. So I'll keep it based\n\nChannel 1: Yep.\n\nChannel 0: on the aggressive at this point. Just bear in mind that pretty much all the investments are doing what they need to. I can see that you're in a pretty new portfolio. Cybersecurity is going up. Gold's going up.\n\nHealthcare is going up. Tech stocks are going up. Everything is pretty much going up. There's some Indian shares that have gone down a little bit, but, again, that's a bit more\n\nChannel 1: Yep.\n\nChannel 0: of a longer term play. Once manufacturing moves across, that should pick up over the next five years or so. So there's nothing there that I see that I need to jump to fix.\n\nChannel 1: Got it.\n\nChannel 0: Cool. Just bear in mind that the returns for this year are a bit more like 8% after fees just because the stock market's dropped a couple of times, but still very, very positive. And over the whole four years you've been a client, you're still hitting that double digits.\n\nChannel 1: That's great.\n\nChannel 0: Cool. Bear in mind, could be rollercoaster ride still for the next six months. You'll probably see the super bouncing around similar to what it did just recently where it could drop from... It's almost hit a 150,000.\n\nChannel 1: Yep.\n\nChannel 0: It could drop to $1.20 and then be up to 200,000 six months later. So just bear in mind if you watch it every day, the the range of what it could hit in any month is quite wild at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Cool. That's pretty much everything I needed to cover at the moment. Any questions so far on what we're thinking?\n\nChannel 1: Not really. So I want to understand, when did I join OQ? Like, in the sense... Since when I've been when did I start? Like, because I had a five year...\n\nI wanted to review where I was five years before and where am I at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Yeah. So\n\nChannel 1: so so\n\nChannel 0: you sort of opened the account. Like, I know usually it takes a little bit of time to open it. It was around about... Actually, this time in 2022 is when you\n\nChannel 1: yeah.\n\nChannel 0: started.\n\nChannel 1: Yeah.\n\nChannel 0: When it was all consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020\n\nChannel 1: Yep. And at the moment, the number that you see is around $1.50.\n\nChannel 0: 22. Yeah. Correct.\n\nChannel 1: Okay. All good. So... Yeah. I mean, I want to...\n\nYou know, in five years, I've done something. I've been a part of the service that you guys offered. And I wanna see after five years, like, which is next year, the same time. I wanna see where I started, how is... How did it grow,\n\nChannel 0: Yep.\n\nChannel 1: and where am I at the moment. And I would like to compare it with other supers and see.\n\nChannel 0: Yeah. Absolutely. I'll kind of do a little bit of that this year as well. Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well. And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see.\n\nIn terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news. What... When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark\n\nChannel 1: Mhmm.\n\nChannel 0: after fees over five years.\n\nChannel 1: Okay.\n\nChannel 0: I'm just having a quick look at the old projection there. So it was based on a slightly lower income at the time, but you were projected to hit a 130,000\n\nChannel 1: Mhmm.\n\nChannel 0: over five years from 2022 to 2027. So you're a little bit ahead of where you were.\n\nChannel 1: Mhmm.\n\nChannel 0: Happy with that so far?\n\nChannel 1: Yep. Oh, yeah. Yeah. Yeah.\n\nChannel 0: And I think you were in BT Super the time, weren't\n\nChannel 1: Yeah.\n\nChannel 0: you? I'm just having a quick look for a moment. Please bear with me at what you were invested in at the time. Oh, just their old life stages investment. Yeah.\n\nThat's not very fun. I believe they may have closed the old investment down that you were in at the time. Yeah. Total return, that's closed. I'll have to do a bit of research on that one, but I'll...\n\nLike I said, I'll include some updated projections for you in the plan. And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's... They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. The last thing I'll leave you with is just in terms of that review pack. There's two consent forms if you're still comfortable with the services. So there's a tax file number opt in form, which basically says, are you still comfortable for us to hold your tax file number that we use for the applications, the super, the insurance.\n\nChannel 1: Yep.\n\nChannel 0: The last one is just in terms of consent for fees. So we still charge 1.65% spread through the year, but we have added in new tiered fee discounts for clients. So what's gonna happen is once you go above 200,000, that percentage will drop to 1.37.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Mhmm.\n\nChannel 0: once we get you above 500,000, it'll drop again to 1.1%.\n\nChannel 1: Yep.\n\nChannel 0: K? So that's in the old service guide, and the new service guide I've sent through to you with you. So at least you can see that new tiered structure there as well\n\nChannel 1: Yep.\n\nChannel 0: for the future. Awesome, mate. I appreciate you taking a bit of time to update everything with me and go through a few ideas on top of just the insurances. But do you have any questions before I let you go today?\n\nChannel 1: No. I think the packs that you sent... Yeah. There is a there is a signed request. Yes.\n\nYes. I gotcha. Okay.\n\nChannel 0: Yep. Because it's with our new system, most of it is pretty much like a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number. Those two do require a signature if you're comfortable.\n\nChannel 1: Mhmm. Okay. The\n\nChannel 0: Increase.\n\nChannel 1: the superannuation in... The the insurance with Dell, at the moment, like you said, it's sitting $7.50. But like I said, I want to work out to increase it. So would\n\nChannel 0: Yep.\n\nChannel 1: you send me any sort of information around that? Can I expect that in the next few days, or what is the plan?\n\nChannel 0: Oh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm gonna\n\nChannel 1: Mhmm.\n\nChannel 0: include in there both the towel pricing and the best alternative that we can find. And then you can go through with me and see both of them together.\n\nChannel 1: Okay. Easy.\n\nChannel 0: Now are you by any chance in front of your computer at the moment?\n\nChannel 1: I am in front of a computer, but I may not have access because it's an office computer. So you want me to do anything?\n\nChannel 0: No. Not right now. I'm just gonna resend the pack through. It needs to be signed on the personal email that's linked to the super fund. That's all.\n\nSo I'm just\n\nChannel 1: No.\n\nChannel 0: gonna\n\nChannel 1: I just\n\nChannel 0: do a\n\nChannel 1: signed\n\nChannel 0: little...\n\nChannel 1: one. I\n\nChannel 0: Yep.\n\nChannel 1: mean, I just signed the document that you sent earlier. So...\n\nChannel 0: Oh, perfect. Okay. Cool.\n\nChannel 1: Good.\n\nChannel 0: The only one I was gonna send through was for the consent form just to make sure that you were happy with that fee structure because I can't get you to sign the fee consent until we've talked about the structure\n\nChannel 1: Oh,\n\nChannel 0: together.\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I was just gonna send\n\nChannel 1: Send\n\nChannel 0: that\n\nChannel 1: it\n\nChannel 0: one through\n\nChannel 1: send\n\nChannel 0: separately.\n\nChannel 1: it out. Yeah. I can do it. I can do it from my phone. So with...\n\nLike, I did it. So...\n\nChannel 0: Oh, perfect. Perfect. So I'll send\n\nChannel 1: Yeah.\n\nChannel 0: you a text once I send that one through. And then in about week and a half, two weeks, the team will give you a call to go through the the insurance quotes, updated projections with me.\n\nChannel 1: Sure. And when your team calls me and if I do not pick up, please tell them to... Let them know to leave a message so that I come back to you.\n\nChannel 0: Awesome.\n\nChannel 1: Because\n\nChannel 0: Yeah. We'll\n\nChannel 1: sometimes...\n\nChannel 0: always\n\nChannel 1: Yeah.\n\nChannel 0: do voice mail and a text because, again, if you're working, that's totally fair.\n\nChannel 1: Yep.\n\nChannel 0: We'll we'll do both the text and a voice mail for you.\n\nChannel 1: Okay. Sure, Tommy. Thanks.\n\nChannel 0: Awesome, mate. Thank you so much for\n\nChannel 1: Alright.\n\nChannel 0: your time today, and I'll talk to you again soon.\n\nChannel 1: Thanks. Thanks. Bye.\n\nChannel 0: Thanks, mate. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03826992213726044}],"sentiment":"neutral","sentiment_score":0.03826992213726044,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good afternoon, Kaushik.","start":2.72,"end":4.0,"sentiment":"neutral","sentiment_score":0.2703729271888733},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers, mate.","start":4.0,"end":7.12,"sentiment":"neutral","sentiment_score":0.18067246675491333},{"text":"How are you doing?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.18541569635272026}],"sentiment":"neutral","sentiment_score":0.195834272001919,"channel":0,"num_words":19,"start":2.72,"end":7.94},{"sentences":[{"text":"I'm good.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.3615531921386719},{"text":"Tommy.","start":8.96,"end":9.46,"sentiment":"neutral","sentiment_score":0.1518720984458923},{"text":"Right?","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.161058709025383}],"sentiment":"neutral","sentiment_score":0.25900929793715477,"channel":1,"num_words":4,"start":8.16,"end":10.0199995},{"sentences":[{"text":"Yes.","start":10.4,"end":10.9,"sentiment":"neutral","sentiment_score":0.1282469481229782}],"sentiment":"neutral","sentiment_score":0.1282469481229782,"channel":0,"num_words":1,"start":10.4,"end":10.9},{"sentences":[{"text":"Hey, Tommy.","start":11.12,"end":11.86,"sentiment":"neutral","sentiment_score":0.1428646519780159},{"text":"Good, Tommy.","start":12.0,"end":12.559999,"sentiment":"neutral","sentiment_score":0.28577080368995667},{"text":"How are you?","start":12.559999,"end":13.38,"sentiment":"neutral","sentiment_score":0.20850256582101187}],"sentiment":"neutral","sentiment_score":0.21182551554271153,"channel":1,"num_words":7,"start":11.12,"end":13.38},{"sentences":[{"text":"Right.","start":13.505,"end":13.745,"sentiment":"positive","sentiment_score":0.38540971279144287},{"text":"Doing fantastic.","start":13.745,"end":14.645,"sentiment":"positive","sentiment_score":0.7267395257949829},{"text":"It's a beautiful, rainy day on the Gold Coast.","start":14.705,"end":16.705,"sentiment":"positive","sentiment_score":0.5965077579021454},{"text":"What about in Victoria?","start":16.705,"end":17.765,"sentiment":"neutral","sentiment_score":0.10931376740336418}],"sentiment":"positive","sentiment_score":0.47779460344463587,"channel":0,"num_words":16,"start":13.505,"end":17.765},{"sentences":[{"text":"It's great.","start":18.985,"end":19.885,"sentiment":"positive","sentiment_score":0.4003511667251587},{"text":"A little cold.","start":20.265,"end":21.085,"sentiment":"neutral","sentiment_score":-0.08132999762892723},{"text":"And, yeah, it started off warm in the morning when I was dropping the boys off at","start":23.224998,"end":27.865,"sentiment":"neutral","sentiment_score":0.07691254543469232}],"sentiment":"neutral","sentiment_score":0.08473752786151388,"channel":1,"num_words":22,"start":18.985,"end":27.865},{"sentences":[{"text":"Yeah.","start":27.825,"end":28.17,"sentiment":"neutral","sentiment_score":0.08898119628429413}],"sentiment":"neutral","sentiment_score":0.08898119628429413,"channel":0,"num_words":1,"start":27.825,"end":28.17},{"sentences":[{"text":"the daycare, and I was like, oh, that's nice.","start":27.865,"end":30.285,"sentiment":"neutral","sentiment_score":0.17549060616228315},{"text":"And I came back home and, yeah, was working for some time, came out.","start":30.96,"end":36.5,"sentiment":"neutral","sentiment_score":0.02367664348067982},{"text":"It's gray and cold.","start":36.96,"end":38.079998,"sentiment":"neutral","sentiment_score":-0.09451648220419884},{"text":"Yeah.","start":38.079998,"end":38.579998,"sentiment":"neutral","sentiment_score":-0.01823135651648045}],"sentiment":"neutral","sentiment_score":0.05409254210202822,"channel":1,"num_words":28,"start":27.865,"end":38.579998},{"sentences":[{"text":"That's the thing about Victoria I find is it tends to just bounce around, and it can be","start":39.53,"end":43.574997,"sentiment":"neutral","sentiment_score":-0.008911692330406772}],"sentiment":"neutral","sentiment_score":-0.008911692330406772,"channel":0,"num_words":18,"start":39.53,"end":43.574997},{"sentences":[{"text":"Yeah.","start":43.44,"end":43.76,"sentiment":"neutral","sentiment_score":-0.005707909353077412}],"sentiment":"neutral","sentiment_score":-0.005707909353077412,"channel":1,"num_words":1,"start":43.44,"end":43.76},{"sentences":[{"text":"summer","start":43.574997,"end":43.815,"sentiment":"neutral","sentiment_score":-0.004989590961486101}],"sentiment":"neutral","sentiment_score":-0.004989590961486101,"channel":0,"num_words":1,"start":43.574997,"end":43.815},{"sentences":[{"text":"Yeah.","start":43.76,"end":44.16,"sentiment":"neutral","sentiment_score":-0.007393388077616692}],"sentiment":"neutral","sentiment_score":-0.007393388077616692,"channel":1,"num_words":1,"start":43.76,"end":44.16},{"sentences":[{"text":"and winter","start":43.815,"end":44.295,"sentiment":"neutral","sentiment_score":-0.009128792211413383}],"sentiment":"neutral","sentiment_score":-0.009128792211413383,"channel":0,"num_words":2,"start":43.815,"end":44.295},{"sentences":[{"text":"No.","start":44.16,"end":44.66,"sentiment":"neutral","sentiment_score":-0.02386682853102684}],"sentiment":"neutral","sentiment_score":-0.02386682853102684,"channel":1,"num_words":1,"start":44.16,"end":44.66},{"sentences":[{"text":"on every couple of","start":44.295,"end":45.175,"sentiment":"neutral","sentiment_score":-0.024719474837183952}],"sentiment":"neutral","sentiment_score":-0.024719474837183952,"channel":0,"num_words":4,"start":44.295,"end":45.175},{"sentences":[{"text":"Yes.","start":45.12,"end":45.62,"sentiment":"neutral","sentiment_score":-0.015658695250749588}],"sentiment":"neutral","sentiment_score":-0.015658695250749588,"channel":1,"num_words":1,"start":45.12,"end":45.62},{"sentences":[{"text":"days.","start":45.175,"end":45.675,"sentiment":"neutral","sentiment_score":-0.00981212966144085}],"sentiment":"neutral","sentiment_score":-0.00981212966144085,"channel":0,"num_words":1,"start":45.175,"end":45.675},{"sentences":[{"text":"Yeah.","start":45.935,"end":46.135002,"sentiment":"neutral","sentiment_score":0.004560094326734543},{"text":"So I'm not too...","start":46.135002,"end":47.395,"sentiment":"neutral","sentiment_score":-0.0018071994127240032},{"text":"It is what it is.","start":48.415,"end":49.135,"sentiment":"neutral","sentiment_score":0.08234366104006767},{"text":"I like this place.","start":49.135,"end":50.175,"sentiment":"positive","sentiment_score":0.40643226355314255},{"text":"So not really...","start":50.175,"end":52.735,"sentiment":"neutral","sentiment_score":0.16810759405295053}],"sentiment":"neutral","sentiment_score":0.1493589081322117,"channel":1,"num_words":17,"start":45.935,"end":52.735},{"sentences":[{"text":"It doesn't stop me from doing anything, so I'm fine with it.","start":52.735,"end":56.655,"sentiment":"neutral","sentiment_score":0.0944705509270231},{"text":"So...","start":56.655,"end":57.155,"sentiment":"neutral","sentiment_score":0.06585989892482758}],"sentiment":"neutral","sentiment_score":0.09226973154223882,"channel":1,"num_words":13,"start":52.735,"end":57.155},{"sentences":[{"text":"Perfect.","start":57.89,"end":58.29,"sentiment":"neutral","sentiment_score":0.19426143169403076},{"text":"Perfect.","start":58.29,"end":58.79,"sentiment":"neutral","sentiment_score":0.14485296607017517}],"sentiment":"neutral","sentiment_score":0.16955719888210297,"channel":0,"num_words":2,"start":57.89,"end":58.79},{"sentences":[{"text":"But then...","start":58.415,"end":58.895,"sentiment":"neutral","sentiment_score":0.054913464933633804},{"text":"Yeah.","start":58.895,"end":59.395,"sentiment":"neutral","sentiment_score":0.046231020241975784},{"text":"Yep.","start":59.454998,"end":59.934998,"sentiment":"neutral","sentiment_score":0.03242141008377075},{"text":"Tell me.","start":59.934998,"end":60.495,"sentiment":"neutral","sentiment_score":0.02377748303115368},{"text":"Tell me.","start":60.495,"end":61.235,"sentiment":"neutral","sentiment_score":0.028305905871093273}],"sentiment":"neutral","sentiment_score":0.036580767249688506,"channel":1,"num_words":8,"start":58.415,"end":61.235},{"sentences":[{"text":"Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review.","start":61.57,"end":69.585,"sentiment":"neutral","sentiment_score":0.04116798736728155},{"text":"Just wondering if you've still got 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tell you I'll tell you before before even bumping it up.","start":484.39502,"end":488.07,"sentiment":"neutral","sentiment_score":-0.048536937373379864},{"text":"This policy, the one that we are talking about is income protection.","start":489.35,"end":493.03,"sentiment":"neutral","sentiment_score":0.00824573403224349},{"text":"Right?","start":493.03,"end":493.53,"sentiment":"neutral","sentiment_score":0.016408711671829224}],"sentiment":"neutral","sentiment_score":-0.02015738683537795,"channel":1,"num_words":26,"start":484.155,"end":493.53},{"sentences":[{"text":"Correct.","start":494.01498,"end":494.43,"sentiment":"neutral","sentiment_score":0.01979375071823597}],"sentiment":"neutral","sentiment_score":0.01979375071823597,"channel":0,"num_words":1,"start":494.01498,"end":494.43},{"sentences":[{"text":"So what is the basic income?","start":495.19,"end":497.85,"sentiment":"neutral","sentiment_score":-0.015190020514031252},{"text":"Like, let's say, if I if if 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happen.","start":844.235,"end":845.935,"sentiment":"neutral","sentiment_score":-0.1162818434337775}],"sentiment":"neutral","sentiment_score":-0.1162818434337775,"channel":1,"num_words":6,"start":844.235,"end":845.935},{"sentences":[{"text":"Yep.","start":845.455,"end":845.955,"sentiment":"neutral","sentiment_score":0.0068289111368358135},{"text":"Wait","start":846.335,"end":846.655,"sentiment":"neutral","sentiment_score":-0.005888199433684349}],"sentiment":"neutral","sentiment_score":0.00047035585157573223,"channel":0,"num_words":2,"start":845.455,"end":846.655},{"sentences":[{"text":"Yep.","start":846.36,"end":846.86,"sentiment":"neutral","sentiment_score":-0.008400571532547474}],"sentiment":"neutral","sentiment_score":-0.008400571532547474,"channel":1,"num_words":1,"start":846.36,"end":846.86},{"sentences":[{"text":"and see.","start":846.655,"end":847.055,"sentiment":"neutral","sentiment_score":-0.022369584999978542},{"text":"So no advice on the personal investment.","start":847.055,"end":849.075,"sentiment":"neutral","sentiment_score":-0.13635484554937907},{"text":"Perfect.","start":851.055,"end":851.555,"sentiment":"neutral","sentiment_score":0.21539141237735748},{"text":"I'll swing over into the","start":851.98,"end":853.02,"sentiment":"neutral","sentiment_score":0.1256399467587471}],"sentiment":"neutral","sentiment_score":-0.010375462844967842,"channel":0,"num_words":15,"start":846.655,"end":853.02},{"sentences":[{"text":"Yeah.","start":852.9825,"end":853.4825,"sentiment":"neutral","sentiment_score":0.08788974583148956}],"sentiment":"neutral","sentiment_score":0.08788974583148956,"channel":1,"num_words":1,"start":852.9825,"end":853.4825},{"sentences":[{"text":"super there.","start":853.02,"end":853.42,"sentiment":"neutral","sentiment_score":0.17230121791362762},{"text":"So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well.","start":853.42,"end":866.90497,"sentiment":"neutral","sentiment_score":0.14032169463841812},{"text":"Now...","start":868.725,"end":869.225,"sentiment":"neutral","sentiment_score":0.03919287770986557}],"sentiment":"neutral","sentiment_score":0.13956312789600722,"channel":0,"num_words":49,"start":853.02,"end":869.225},{"sentences":[{"text":"Yep.","start":869.125,"end":869.625,"sentiment":"neutral","sentiment_score":0.04478975385427475}],"sentiment":"neutral","sentiment_score":0.04478975385427475,"channel":1,"num_words":1,"start":869.125,"end":869.625},{"sentences":[{"text":"Sorry.","start":870.885,"end":871.205,"sentiment":"neutral","sentiment_score":0.07102924585342407},{"text":"Go for 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worries.","start":875.925,"end":876.42,"sentiment":"neutral","sentiment_score":0.04092529974877834}],"sentiment":"neutral","sentiment_score":0.04092529974877834,"channel":0,"num_words":2,"start":875.925,"end":876.42},{"sentences":[{"text":"sec.","start":876.3,"end":876.8,"sentiment":"neutral","sentiment_score":0.013820195570588112},{"text":"What was that?","start":877.5,"end":878.14,"sentiment":"neutral","sentiment_score":-0.001995129200319449},{"text":"I'm sorry.","start":878.14,"end":878.54,"sentiment":"neutral","sentiment_score":-0.13517632335424423},{"text":"I missed your...","start":878.54,"end":879.33997,"sentiment":"neutral","sentiment_score":-0.1885347068309784},{"text":"I was focusing on something and...","start":879.33997,"end":880.94,"sentiment":"neutral","sentiment_score":-0.14762293547391891}],"sentiment":"neutral","sentiment_score":-0.11425730480502048,"channel":1,"num_words":15,"start":876.3,"end":880.94},{"sentences":[{"text":"Yeah.","start":880.94,"end":881.33997,"sentiment":"neutral","sentiment_score":-0.03244635462760925},{"text":"Sorry.","start":881.33997,"end":881.83997,"sentiment":"neutral","sentiment_score":-0.053194187581539154}],"sentiment":"neutral","sentiment_score":-0.042820271104574203,"channel":1,"num_words":2,"start":880.94,"end":881.83997},{"sentences":[{"text":"That's okay, mate.","start":882.26,"end":883.39996,"sentiment":"neutral","sentiment_score":0.16981048385302225},{"text":"With the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has.","start":883.77997,"end":897.39496,"sentiment":"neutral","sentiment_score":0.1640926781627867}],"sentiment":"neutral","sentiment_score":0.16445004101842642,"channel":0,"num_words":48,"start":882.26,"end":897.39496},{"sentences":[{"text":"Yep.","start":898.34503,"end":898.77,"sentiment":"neutral","sentiment_score":0.1304047405719757}],"sentiment":"neutral","sentiment_score":0.1304047405719757,"channel":1,"num_words":1,"start":898.34503,"end":898.77},{"sentences":[{"text":"Now I'll base that on your new income with what the employer is putting into super.","start":900.33496,"end":905.475,"sentiment":"neutral","sentiment_score":0.12772997189313173},{"text":"I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer 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everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns.","start":925.095,"end":935.82,"sentiment":"neutral","sentiment_score":0.20708074777022653},{"text":"And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees.","start":936.44,"end":942.54,"sentiment":"neutral","sentiment_score":0.10125677809119224}],"sentiment":"neutral","sentiment_score":0.16090292876793277,"channel":0,"num_words":72,"start":914.83,"end":942.54},{"sentences":[{"text":"I'm just wanting to double check, are you still okay with that kind of high growth aggressive profile?","start":943.08,"end":949.035,"sentiment":"neutral","sentiment_score":0.07776783116989666}],"sentiment":"neutral","sentiment_score":0.07776783116989666,"channel":0,"num_words":18,"start":943.08,"end":949.035},{"sentences":[{"text":"Yeah.","start":950.175,"end":950.415,"sentiment":"neutral","sentiment_score":0.15669436752796173},{"text":"That's fine.","start":950.415,"end":951.235,"sentiment":"neutral","sentiment_score":0.2602442353963852}],"sentiment":"neutral","sentiment_score":0.22572761277357736,"channel":1,"num_words":3,"start":950.175,"end":951.235},{"sentences":[{"text":"Yep.","start":951.575,"end":951.895,"sentiment":"neutral","sentiment_score":0.26025688648223877},{"text":"So still focus pretty much on getting as much returns as possible.","start":951.895,"end":954.955,"sentiment":"neutral","sentiment_score":0.2882130866249402},{"text":"And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level.","start":955.015,"end":961.73,"sentiment":"neutral","sentiment_score":0.10130084949460896},{"text":"Because, again, when you're in your sixties, you probably don't want to be high risk a day before you 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consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020","start":1093.395,"end":1103.46,"sentiment":"neutral","sentiment_score":0.02308721106280299}],"sentiment":"neutral","sentiment_score":0.02308721106280299,"channel":0,"num_words":17,"start":1093.395,"end":1103.46},{"sentences":[{"text":"Yep.","start":1104.61,"end":1105.11,"sentiment":"neutral","sentiment_score":0.02827708050608635},{"text":"And at the moment, the number that you see is around 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good.","start":1112.37,"end":1113.0299,"sentiment":"neutral","sentiment_score":0.21997399628162384},{"text":"So...","start":1114.0499,"end":1114.45,"sentiment":"neutral","sentiment_score":0.054493967443704605},{"text":"Yeah.","start":1114.45,"end":1114.665,"sentiment":"neutral","sentiment_score":0.0332537405192852},{"text":"I mean, I want to...","start":1114.8251,"end":1115.625,"sentiment":"neutral","sentiment_score":0.005626172944903374}],"sentiment":"neutral","sentiment_score":0.0668626656755805,"channel":1,"num_words":10,"start":1111.57,"end":1115.625},{"sentences":[{"text":"You know, in five years, I've done something.","start":1115.625,"end":1117.625,"sentiment":"neutral","sentiment_score":0.002220186870545149},{"text":"I've been a part of the service that you guys offered.","start":1117.625,"end":1121.405,"sentiment":"neutral","sentiment_score":0.11854806406931444},{"text":"And I wanna see after five years, like, which is next year, the same time.","start":1121.545,"end":1125.405,"sentiment":"neutral","sentiment_score":0.02804826224843661},{"text":"I wanna see where I started, how is...","start":1125.545,"end":1129.145,"sentiment":"neutral","sentiment_score":0.035492670722305775},{"text":"How did it grow,","start":1129.145,"end":1130.25,"sentiment":"neutral","sentiment_score":0.0381291750818491}],"sentiment":"neutral","sentiment_score":0.047368960859982864,"channel":1,"num_words":46,"start":1115.625,"end":1130.25},{"sentences":[{"text":"Yep.","start":1130.715,"end":1131.03,"sentiment":"neutral","sentiment_score":0.022059937939047813}],"sentiment":"neutral","sentiment_score":0.022059937939047813,"channel":0,"num_words":1,"start":1130.715,"end":1131.03},{"sentences":[{"text":"and where am I at the moment.","start":1131.21,"end":1132.99,"sentiment":"neutral","sentiment_score":-0.003420389781240374},{"text":"And I would like to compare it with other supers and see.","start":1134.09,"end":1141.87,"sentiment":"neutral","sentiment_score":0.18300709749261537}],"sentiment":"neutral","sentiment_score":0.11432328639172115,"channel":1,"num_words":19,"start":1131.21,"end":1141.87},{"sentences":[{"text":"Yeah.","start":1141.5901,"end":1142.0901,"sentiment":"positive","sentiment_score":0.4354984760284424},{"text":"Absolutely.","start":1142.39,"end":1142.89,"sentiment":"positive","sentiment_score":0.644065260887146},{"text":"I'll kind of do a little bit of that this year as well.","start":1144.215,"end":1147.255,"sentiment":"positive","sentiment_score":0.5295075544944177},{"text":"Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well.","start":1147.255,"end":1158.21,"sentiment":"positive","sentiment_score":0.4098820452754562},{"text":"And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see.","start":1159.09,"end":1168.23,"sentiment":"neutral","sentiment_score":0.1658114232122898}],"sentiment":"positive","sentiment_score":0.33449286057852035,"channel":0,"num_words":86,"start":1141.5901,"end":1168.23},{"sentences":[{"text":"In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news.","start":1170.13,"end":1178.4451,"sentiment":"neutral","sentiment_score":0.08497092321515083},{"text":"What...","start":1178.505,"end":1178.745,"sentiment":"neutral","sentiment_score":0.024330593645572662},{"text":"When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark","start":1178.745,"end":1187.07,"sentiment":"neutral","sentiment_score":0.04617130197584629}],"sentiment":"neutral","sentiment_score":0.06552129835650629,"channel":0,"num_words":49,"start":1170.13,"end":1187.07},{"sentences":[{"text":"Mhmm.","start":1187.895,"end":1188.395,"sentiment":"neutral","sentiment_score":0.003526655025780201}],"sentiment":"neutral","sentiment_score":0.003526655025780201,"channel":1,"num_words":1,"start":1187.895,"end":1188.395},{"sentences":[{"text":"after fees over five 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130,000","start":1198.59,"end":1207.095,"sentiment":"neutral","sentiment_score":-0.06722555346786976}],"sentiment":"neutral","sentiment_score":-0.051549560120028835,"channel":0,"num_words":31,"start":1194.5099,"end":1207.095},{"sentences":[{"text":"Mhmm.","start":1208.2051,"end":1208.7051,"sentiment":"neutral","sentiment_score":-0.0035754749551415443}],"sentiment":"neutral","sentiment_score":-0.0035754749551415443,"channel":1,"num_words":1,"start":1208.2051,"end":1208.7051},{"sentences":[{"text":"over five years from 2022 to 2027.","start":1208.6749,"end":1212.7,"sentiment":"neutral","sentiment_score":-0.0029931245704314545},{"text":"So you're a little bit ahead of where you 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yeah.","start":1220.54,"end":1220.86,"sentiment":"neutral","sentiment_score":0.07202258333563805},{"text":"Yeah.","start":1220.86,"end":1221.02,"sentiment":"neutral","sentiment_score":0.06353916227817535},{"text":"Yeah.","start":1221.02,"end":1221.52,"sentiment":"neutral","sentiment_score":0.045262183994054794}],"sentiment":"neutral","sentiment_score":0.07409231141209602,"channel":1,"num_words":5,"start":1220.22,"end":1221.52},{"sentences":[{"text":"And I think you were in BT Super the time, weren't","start":1222.1399,"end":1225.185,"sentiment":"neutral","sentiment_score":0.011972784234041517}],"sentiment":"neutral","sentiment_score":0.011972784234041517,"channel":0,"num_words":11,"start":1222.1399,"end":1225.185},{"sentences":[{"text":"Yeah.","start":1225.66,"end":1226.16,"sentiment":"neutral","sentiment_score":-0.00767483189702034}],"sentiment":"neutral","sentiment_score":-0.00767483189702034,"channel":1,"num_words":1,"start":1225.66,"end":1226.16},{"sentences":[{"text":"you?","start":1226.3251,"end":1226.8251,"sentiment":"neutral","sentiment_score":-0.014730408787727356},{"text":"I'm just having a quick look for a moment.","start":1227.9651,"end":1230.125,"sentiment":"neutral","sentiment_score":-0.017435727847947016},{"text":"Please bear with me at what you were invested in at the time.","start":1230.125,"end":1232.9451,"sentiment":"neutral","sentiment_score":-0.061123330432635084},{"text":"Oh, just their old life stages investment.","start":1233.725,"end":1235.8251,"sentiment":"neutral","sentiment_score":-0.10551731288433075},{"text":"Yeah.","start":1236.045,"end":1236.285,"sentiment":"neutral","sentiment_score":-0.18798890709877017}],"sentiment":"neutral","sentiment_score":-0.06106017265589007,"channel":0,"num_words":31,"start":1226.3251,"end":1236.285},{"sentences":[{"text":"That's not very fun.","start":1236.285,"end":1242.67,"sentiment":"negative","sentiment_score":-0.40881237387657166},{"text":"I believe they may have closed the old investment down that you were in at the time.","start":1242.81,"end":1247.2301,"sentiment":"neutral","sentiment_score":-0.24630831883234136},{"text":"Yeah.","start":1248.9701,"end":1249.37,"sentiment":"neutral","sentiment_score":-0.1099344789981842},{"text":"Total return, that's closed.","start":1249.37,"end":1251.9501,"sentiment":"neutral","sentiment_score":-0.16426388546824455},{"text":"I'll have to do a bit of research on that one, but I'll...","start":1252.65,"end":1254.675,"sentiment":"neutral","sentiment_score":-0.12274292226021107}],"sentiment":"neutral","sentiment_score":-0.20987535707461527,"channel":0,"num_words":39,"start":1236.285,"end":1254.675},{"sentences":[{"text":"Like I said, I'll include some updated projections for you in the plan.","start":1254.675,"end":1259.255,"sentiment":"neutral","sentiment_score":0.0584019568677132},{"text":"And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything.","start":1259.475,"end":1269.89,"sentiment":"neutral","sentiment_score":0.09264562999748666}],"sentiment":"neutral","sentiment_score":0.08510041388414674,"channel":0,"num_words":59,"start":1254.675,"end":1269.89},{"sentences":[{"text":"Mhmm.","start":1270.11,"end":1270.51,"sentiment":"neutral","sentiment_score":0.08921155333518982},{"text":"Yep.","start":1270.51,"end":1271.01,"sentiment":"neutral","sentiment_score":0.20428690314292908}],"sentiment":"neutral","sentiment_score":0.14674922823905945,"channel":1,"num_words":2,"start":1270.11,"end":1271.01},{"sentences":[{"text":"Perfect.","start":1272.27,"end":1272.77,"sentiment":"neutral","sentiment_score":0.05621805414557457},{"text":"Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's...","start":1272.83,"end":1278.0299,"sentiment":"neutral","sentiment_score":-0.009353888025017161},{"text":"They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it.","start":1278.0299,"end":1288.475,"sentiment":"neutral","sentiment_score":-0.004305075634928311}],"sentiment":"neutral","sentiment_score":-0.004960710924394705,"channel":0,"num_words":54,"start":1272.27,"end":1288.475},{"sentences":[{"text":"Yep.","start":1288.8151,"end":1289.3151,"sentiment":"neutral","sentiment_score":0.3096643388271332}],"sentiment":"neutral","sentiment_score":0.3096643388271332,"channel":1,"num_words":1,"start":1288.8151,"end":1289.3151},{"sentences":[{"text":"Awesome.","start":1290.375,"end":1290.875,"sentiment":"positive","sentiment_score":0.5549750924110413},{"text":"The last thing I'll leave you with is just in terms of that review pack.","start":1291.655,"end":1296.0499,"sentiment":"neutral","sentiment_score":0.18150797883669537},{"text":"There's two consent forms if you're still comfortable with the 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1.1%.","start":1334.365,"end":1338.3049,"sentiment":"neutral","sentiment_score":-0.044397981498729096}],"sentiment":"neutral","sentiment_score":-0.044397981498729096,"channel":0,"num_words":11,"start":1334.365,"end":1338.3049},{"sentences":[{"text":"Yep.","start":1338.945,"end":1339.445,"sentiment":"neutral","sentiment_score":0.03508614003658295}],"sentiment":"neutral","sentiment_score":0.03508614003658295,"channel":1,"num_words":1,"start":1338.945,"end":1339.445},{"sentences":[{"text":"K?","start":1340.445,"end":1340.845,"sentiment":"neutral","sentiment_score":0.011194801889359953},{"text":"So that's in the old service guide, and the new service guide I've sent through to you with you.","start":1340.845,"end":1345.4049,"sentiment":"neutral","sentiment_score":0.012248546252713391},{"text":"So at least you can see that new tiered structure there as 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a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number.","start":1371.275,"end":1383.01,"sentiment":"neutral","sentiment_score":0.03580769424348376},{"text":"Those two do require a signature if you're 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in...","start":1392.255,"end":1393.695,"sentiment":"neutral","sentiment_score":-0.017674182231227558},{"text":"The the insurance with Dell, at the moment, like you said, it's sitting $7.50.","start":1393.695,"end":1399.075,"sentiment":"neutral","sentiment_score":-0.06286746210285596},{"text":"But like I said, I want to work out to increase it.","start":1399.5349,"end":1405.48,"sentiment":"neutral","sentiment_score":-0.05785843698928753},{"text":"So would","start":1405.48,"end":1405.96,"sentiment":"neutral","sentiment_score":0.06167459487915039}],"sentiment":"neutral","sentiment_score":-0.048519970007961793,"channel":1,"num_words":31,"start":1392.255,"end":1405.96},{"sentences":[{"text":"Yep.","start":1405.86,"end":1406.36,"sentiment":"neutral","sentiment_score":0.09062543511390686}],"sentiment":"neutral","sentiment_score":0.09062543511390686,"channel":0,"num_words":1,"start":1405.86,"end":1406.36},{"sentences":[{"text":"you send me any sort of information around that?","start":1405.96,"end":1410.06,"sentiment":"neutral","sentiment_score":0.04424227256741789},{"text":"Can I expect that in the next few days, or what is the plan?","start":1410.4401,"end":1414.7001,"sentiment":"neutral","sentiment_score":0.03333854196327073}],"sentiment":"neutral","sentiment_score":0.037605219156197876,"channel":1,"num_words":23,"start":1405.96,"end":1414.7001},{"sentences":[{"text":"Oh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm 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The policy is an indemnity policy and covers a waiting period and benefit period. The agent provides policy details and emphasizes the importance of researching the policy. They also discuss the risk reduction process for the customer's portfolio, including reducing risk levels and investing in areas such as healthcare and technology. The speaker provides updated projections for the customer's investment and notes a tax file number for review. The customer is instructed to go through the insurance process and follow up with the speaker in a few days."},"intents":{"segments":[{"text":"And are you okay for the call to be recorded?","start_word":323,"end_word":332,"intents":[{"intent":"Schedule call","confidence_score":0.17985354}]},{"text":"For your email address, are you still okay for the the Ymail?","start_word":336,"end_word":347,"intents":[{"intent":"Update email","confidence_score":0.069852866}]},{"text":"In terms of the property purchase, So I'm having a look here. We've got an investment property already on file, so I'm assuming you've now got a second. I sold the... We sold the investment property, Yep. and we bought we bought another property. So this is our primary place of residence. Perfect. Perfect.","start_word":419,"end_word":472,"intents":[{"intent":"Discuss property purchase options","confidence_score":0.13999994}]},{"text":"So from the sale of that property, can I just take down the property value and loan on the new property?","start_word":473,"end_word":493,"intents":[{"intent":"Share property value","confidence_score":0.005289722},{"intent":"Check property value","confidence_score":0.0066520423},{"intent":"Understand property value","confidence_score":0.001350153}]},{"text":"update service guides with us, and a couple of consent forms. Mhmm.","start_word":624,"end_word":635,"intents":[{"intent":"Update service guides","confidence_score":0.021059161}]},{"text":"I'll do an alteration quote with Tao. 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So what should be the reason?","start_word":1361,"end_word":1376,"intents":[{"intent":"Clarify purpose of coverage","confidence_score":0.0059125694}]},{"text":"So what should be the reason?","start_word":1371,"end_word":1376,"intents":[{"intent":"Clarify reason for claim and reason","confidence_score":0.0000031447407},{"intent":"Clarify reason for claim","confidence_score":0.111815676},{"intent":"Clarify reason for claim","confidence_score":0.16686499}]},{"text":"Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period.","start_word":1388,"end_word":1408,"intents":[{"intent":"Clarify case of coverage for illness","confidence_score":3.9376448e-7},{"intent":"Clarify illness and injury coverage","confidence_score":0.00033219924}]},{"text":"That's the income protection. 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Got it.","start_word":2740,"end_word":2755,"intents":[{"intent":"Resolve investor concerns","confidence_score":0.000013786698}]},{"text":"And I would like to compare it with other supers and see. Yeah.","start_word":3097,"end_word":3109,"intents":[{"intent":"Compare supers","confidence_score":0.44523713},{"intent":"Compare super funds","confidence_score":0.20034404},{"intent":"Compar super funds","confidence_score":0.04756654}]},{"text":"In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news. What... When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark Mhmm. after fees over five years. Okay.","start_word":3194,"end_word":3249,"intents":[{"intent":"Assess super fund portfolio","confidence_score":0.000052738058}]},{"text":"Total return, that's closed. I'll have to do a bit of research on that one, but I'll... Like I said, I'll include some updated projections for you in the plan.","start_word":3375,"end_word":3404,"intents":[{"intent":"Calculate total return","confidence_score":0.00025221726}]},{"text":"And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything. Mhmm.","start_word":3405,"end_word":3451,"intents":[{"intent":"Have team book meeting","confidence_score":0.00026123988}]},{"text":"Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's... They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it. Yep. Awesome.","start_word":3455,"end_word":3509,"intents":[{"intent":"Explore insurance options","confidence_score":0.0025970095}]},{"text":"I was just gonna send Send that it one through send separately. it out. Yeah.","start_word":4043,"end_word":4057,"intents":[{"intent":"Send package","confidence_score":0.000029651597}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Kaushik. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.19209155440330505},{"text":"I'm good.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.3626288175582886},{"text":"Tommy. Right? Yes. Hey, Tommy. Good, Tommy. How are you?","start_word":22,"end_word":31,"sentiment":"neutral","sentiment_score":0.19010096788406372},{"text":"Right. Doing fantastic. It's a beautiful, rainy day on the Gold Coast.","start_word":32,"end_word":43,"sentiment":"positive","sentiment_score":0.602644681930542},{"text":"What about in Victoria?","start_word":44,"end_word":47,"sentiment":"neutral","sentiment_score":0.12543879449367523},{"text":"It's great.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.4045167565345764},{"text":"A little cold. And, yeah, it started off warm in the morning when I was dropping the boys off at Yeah. the daycare, and I was like, oh, that's nice. And I came back home and, yeah, was working for some time, came out. It's gray and cold. Yeah. That's the thing about Victoria I find is it tends to just bounce around, and it can be Yeah. summer Yeah. and winter No. on every couple of Yes. days. Yeah. So I'm not too... It is what it is.","start_word":50,"end_word":138,"sentiment":"neutral","sentiment_score":0.03545394167304039},{"text":"I like this place.","start_word":139,"end_word":142,"sentiment":"positive","sentiment_score":0.40607309341430664},{"text":"So not really... It doesn't stop me from doing anything, so I'm fine with it. So... Perfect. Perfect. But then... Yeah. Yep. Tell me. Tell me. Mate, I've got you in for a bit of a catch up just regarding property and insurances and a bit of a mixed in annual review. Just wondering if you've still got some Yep. time for me. Oh, yeah. Yeah. Yeah. I booked in time, and then I've I've blocked my calendar. So I'm happy to have a chat and get this. No worries at all. What I'll do is I've got a bit of an email pack to send through to you. And Yeah. just while I'm sending that through, I'll just go through security with you. So whenever you're dealing with an adviser, I'm registered with ASIC as adviser one two seven three one Yep. 05. Can I please confirm your date of birth and address that we would have on file? Oh, yes. My date of birth is 07/27/1987, and Yep. the address is 26 Brampton Court, Vermont, Victoria 3133. Perfect. And are you okay for the call to be recorded?","start_word":143,"end_word":332,"sentiment":"neutral","sentiment_score":0.07689747959375381},{"text":"Oh, yes. Amazing.","start_word":333,"end_word":335,"sentiment":"positive","sentiment_score":0.5477004051208496},{"text":"For your email address, are you still okay for the the Ymail? Yes. You're right. It's y mail dot com. It's my Cool. first So I'll name pop dot that last name through. at y mail dot That's the one. Now what I've got in front of me at the moment is just your your client fax line with all of your details. com. Yep. Now I'll start off with updating a few details, and then I'll dive into some options for you. In terms of the property purchase, So I'm having a look here. We've got an investment property already on file, so I'm assuming you've now got a second. I sold the... We sold the investment property, Yep. and we bought we bought another property. So this is our primary place of residence.","start_word":336,"end_word":470,"sentiment":"neutral","sentiment_score":0.09143709391355516},{"text":"Perfect.","start_word":471,"end_word":471,"sentiment":"positive","sentiment_score":0.33484819531440735},{"text":"Perfect. So from the sale of that property, can I just take down the property value and loan on the new property? The... We sold we sold the investment property for $635,000. Yep. Sold for $6.35. Yeah. It's... Yeah. And for the new one, what would... I can do a bit of an online valuation, but I'm assuming that's 26 Brompton Court. And do you know how much you've got owing left on that one now after One the one sale? 1.1... 1.1 mils. Oh, no. No. Exact... To be exactly. It's 1.170 mil. Yep. And in terms of the value, is that around 1.3? Yes. Perfect. So I've got that added down. Now just in terms of the insurance side of things, so part of that pack I've sent you just includes the summary of how the super has been going, your towel certificate of currency for the insurances, Mhmm. Mhmm. update service guides with us, and a couple of consent forms. Mhmm. You have currently 750,000 just under of life and TPD insurance for total disability. Are you wanting to kind of match the new debt exactly? Mhmm. Correct. Do you want me to do some... Yep. So just a a straight up matching quote? Yep. Yep. Alright. Now in terms of when that was put in place, that was October 2022. Mhmm. I'll do an alteration quote with Tao. In addition to that, do you want me to kind of do normally do a bit of a comparison with the other insurers to see if someone will offer, you know, above 1,000,000 for a cheaper price? Do you want me to look Oh, into yes. some alternative? Of course, ma'am. If I'm gonna save some couple of $100, yeah, why not? Absolutely. I always try and make sure that if we're gonna replace a policy, we replace it with either something that's as good quality, but for the cheaper price, not really Yeah. skimping on one or the other. Yeah. Now from 2022, call it August... Sorry, October 2022, have you had any health changes or new diagnosis, medications, or concerns that I would have to factor in. Because if there's been, like, a shoulder reconstruction in between then and now, you might get an exclusion on a new policy, and I just have to be careful with the underwriting No. research. Nothing. Nothing really changed. It really changed health wise. Cool. So anything that we use previously for towel, we can just use that for the new provider if we find one. Yes. Yes.","start_word":472,"end_word":899,"sentiment":"neutral","sentiment_score":0.018687485192824052},{"text":"Perfect.","start_word":900,"end_word":900,"sentiment":"positive","sentiment_score":0.41312164068222046},{"text":"There's no trauma insurance, but there is income protection. So Yep. I'll just quickly check that one with you. That's covering you for 10,358 a month. That is a 70% policy, so it's protecting an income now of about 177,000. I know you're on about one sixty plus bonuses previously. What's the income looking like at the moment? Mhmm. Yeah. My basic is $1.66, One and sixty six. that's my basic salary. So you add another 11 ish for super and plus 10% of my basic is my bonus. So let's say that $16,666 is my bonus. How do I give you a number? I'm just trying to understand because it No. fluctuates.","start_word":901,"end_word":1013,"sentiment":"neutral","sentiment_score":0.08789355307817459},{"text":"That's perfect.","start_word":1014,"end_word":1015,"sentiment":"positive","sentiment_score":0.40305620431900024},{"text":"Right? The bonuses fluctuates and Yeah. So what they usually do, it's an indemnity policy. So what tends to happen is, let's say you're... You've got a waiting period and a benefit period. If you're off work for four weeks, you do a claim. You basically give them your twelve month income, and they go, okay. Base is $1.66. You've had, let's say, 16,000 of bonuses, for example. If that covers the amount that you're insured for, then you get paid the maximum that you're insured for. If for some reason that you only earn a 140,000 on paper, then they can only pay you a percentage on the income that you lost. No. No. That's fine. Yeah. So so So the that'll number... work I can give you exact numbers. So you out tell me how do pretty we go about it. well? No. That's So perfectly my basic fine. is, like I said, it's $16.06... My basic is $166,000, Yep. and my bonus is 10%, which is $16,000 minimum. Yep. And... Yep. And then superannuation on top of it. So... On But anyway, top. Yeah. why don't... So Yeah. I don't think you would have any problem with the claim. If for whatever reason you aren't... Like, you aren't zero bonuses for an entire year, then you might get paid a slightly lower amount if you were to claim. Okay. But I don't see any issues there. And as long as 10,000 a month would cover your expenses, probably not any reason to kind of change the the policy amounts at this point. See, I I think I that's would probably bump it up a little bit. looking. A The little reason bit? is... I'll tell you I'll tell you before before even bumping it up. This policy, the one that we are talking about is income protection. Right? Correct. So what is the basic income? Like, let's say, if I if if I... For whatever reason, like, I I broke my leg and I couldn't really work. What? Yeah. I don't know. When does this insurance technically kick in? After four weeks. So what should be the reason? So it If... can be... What can be the Yeah. reason? Anything illness or injury, if a doctor says that you can't return to work for longer than a four week period. So let's say the doctor says, oh, you broke your leg. You have to take off three months, six months, whatever it is. And let's say for three months, you're you're still off work, you go into the doctor, and the doctor says, oh, you need another two months off. That is what the basis is for the claim, and they can pay you monthly for up to your benefit period of five years per injury, per claim, So this is related to only injuries. Correct? and illnesses as well. Illness and injuries. Okay. Yep. Okay. Covers both. Okay. That's the income protection. Okay. All good. And No. No. generally Then speaking, if you're off work for more than five years, you probably get the TPD claim. You know, doctors would probably say you're not likely to return to work. So there's that lump sum million dollars, whatever the amount is, after that. no. That's that's fine. So this is to do with illness and injury. All good. That's what I wanted Correct. to understand. Like, when does this kick in? Is it because... Will it kick in if my role become redundant and I didn't find an opportunity for next one year? Example, No. I'm listening. So that's the only thing that's not covered is unemployment or redundancy. It's not legal for them to offer, like, unemployment insurance like in The US. That's all, you know, Centrelink or contract based. Mhmm. Mhmm. Okay. All good. So just illness and injury. Yeah. I think I would I would leave the value as is. Okay. Leave it as is.","start_word":1016,"end_word":1676,"sentiment":"neutral","sentiment_score":-0.0577158364108038},{"text":"That's no worries at all. I've got your updated income added.","start_word":1677,"end_word":1687,"sentiment":"positive","sentiment_score":0.38004791736602783},{"text":"I'm just adding it to the file. $1. 82, including bonuses, 600, and super on top.","start_word":1688,"end_word":1702,"sentiment":"neutral","sentiment_score":0.21632091204325357},{"text":"That's perfect.","start_word":1703,"end_word":1704,"sentiment":"positive","sentiment_score":0.8460831046104431},{"text":"Just quickly on terms of other assets and liabilities, and you haven't changed the occupation title. No. You're still senior consultants Yes. with Yes. NAB? Yes.","start_word":1705,"end_word":1730,"sentiment":"neutral","sentiment_score":0.1168287992477417},{"text":"Perfect. Uning degree qualified, so that's perfect.","start_word":1731,"end_word":1737,"sentiment":"positive","sentiment_score":0.4630202651023865},{"text":"In terms of family side of things, we have you married with two dependents, the boys. Yes. Yes. I'm just double checking. So for the beneficiary nominations, we're nominating your partner to receive the super. Correct? Correct. Correct. Okay. So I don't see it on there on the hub account currently. Are you okay for me to kind of post out one of the forms there to get her nominated? Mhmm. Oh, yeah. Yep. Perfect. And just quickly, like, a side piece to that in terms of estate planning, you don't have, like, a will or a power of attorney No. in place? I do not have a will because... See, I work for a bank, Yeah. and there is a uni... Financial union which I'm Oh. planning to join. Yep. And if I join a financial union, writing a will is of no cost. I will cost no cost. Alright. So you don't need to talk to any lawyers or anything. Just go No. through the union, No. No. Yeah. essentially. I can I I can't? I haven't actually registered, but I know it is... If you're a part of the union, that is a... That's an add on. I'm not too sure how it would pan out. I'm I'm gonna have a chat, and if it works out, it... It's great. If not, I'll reach out to you. Yep. No worries at all. So we'll just do the beneficiary nominations and leave the will alone Yep. at this point. And just lastly, in terms of the assets and liabilities, we had a car, some savings, and offset account in crypto listed. Do you mind if I just quickly update those values with you? Yeah. Sure. Cool. Still no car loan?","start_word":1738,"end_word":2029,"sentiment":"neutral","sentiment_score":0.0274672304624564},{"text":"No problem. Cool.","start_word":2030,"end_word":2032,"sentiment":"positive","sentiment_score":0.3762655258178711},{"text":"Savings and offset, we had kind of split, like a savings account of about 12,000, offset account of about 80,000. I'm Yeah. not sure how much you have to mix in for the property purchase. So I do not have... At the moment, we have... We put everything into offset account. Yep. K. So I'll clear that out. So... And that would be... Should be... Give me a sec. I'm gonna... I'll give you a right figure so that it makes. No worries. $45,000 40 as 5. a... Yeah. That's our... That's all the money that we have in So liquid cash that you could access yes. if you needed to. Yes.","start_word":2033,"end_word":2144,"sentiment":"neutral","sentiment_score":0.030195556581020355},{"text":"Perfect.","start_word":2145,"end_word":2145,"sentiment":"positive","sentiment_score":0.4192282855510712},{"text":"And just lastly, do you still have any sort of crypto investments that you're adding to over time, or is it just No. kind of No. sitting No. there Not at growing? the moment. Not at the moment. So things are not looking great at crypto. So... Cool. Do you want me to clear that out as zero like it's been sold, or is there still just a 6,000 floating around? No. No. It's still there. Yeah. I... I've just left the money as is. Yep. It's No worries. fluctuating. It's it's low. It's little less. It has gone negative 30% in the sense 30%. It should be around $44,000 is now, but not gonna anyway put more money into it, and I'm gonna see... Wait and see what's gonna happen. Yep. Wait Yep. and see. So no advice on the personal investment. Perfect. I'll swing over into the Yeah. super there. So what I would like to do is when I do the research on TAL or alternative insurance, I'm gonna put together an updated plan with new projections for you just so you can see the impact that the premiums have on the super as well. Now... Yep. Sorry. Go for it. No. I missed you. One second. I'm just gonna make a decision. Give me Yeah. a No worries. sec. What was that? I'm sorry. I missed your... I was focusing on something and... Yeah. Sorry. That's okay, mate. With the the insurance quotes, I put together an updated plan, and I'm gonna update your projections just to kinda show you how the super is tracking with the old premiums and the new premiums just so you can see the impact that it has. Yep. Now I'll base that on your new income with what the employer is putting into super. I'm just wondering if you want me to factor in any salary sacrifice or just base it on your employer contributions. Only employee contribution. Yep. No worries at all. And just for the investment side of things, so when we model it, it's based off your current portfolio, which is an aggressive portfolio. You've got pretty much everything in shares, property, gold, all fully invested, kind of aiming at that, you know, 10% or above returns. And based on the previous five years, it's kind of been hitting about 12 and a half percent after fees. I'm just wanting to double check, are you still okay with that kind of high growth aggressive profile? Yeah. That's fine. Yep. So still focus pretty much on getting as much returns as possible. And then once you've built up the super, you know, twenty years down the line, we have to reduce the risk level. Because, again, when you're in your sixties, you probably don't want to be high risk a day before you retire Yep. and stock market crashes and you lose half of it. Do you know what I mean?","start_word":2146,"end_word":2638,"sentiment":"neutral","sentiment_score":0.048750652492888895},{"text":"Perfect.","start_word":2639,"end_word":2639,"sentiment":"positive","sentiment_score":0.4329480826854706},{"text":"So I'll keep it based Yep. on the aggressive at this point. Just bear in mind that pretty much all the investments are doing what they need to. I can see that you're in a pretty new portfolio. Cybersecurity is going up. Gold's going up. Healthcare is going up. Tech stocks are going up. Everything is pretty much going up. There's some Indian shares that have gone down a little bit, but, again, that's a bit more Yep. of a longer term play. Once manufacturing moves across, that should pick up over the next five years or so. So there's nothing there that I see that I need to jump to fix. Got it.","start_word":2640,"end_word":2753,"sentiment":"neutral","sentiment_score":0.1045215626557668},{"text":"Cool.","start_word":2754,"end_word":2754,"sentiment":"positive","sentiment_score":0.477450966835022},{"text":"Just bear in mind that the returns for this year are a bit more like 8% after fees just because the stock market's dropped a couple of times, but still very, very positive.","start_word":2755,"end_word":2787,"sentiment":"neutral","sentiment_score":0.3115040361881256},{"text":"And over the whole four years you've been a client, you're still hitting that double digits. That's great. Cool.","start_word":2788,"end_word":2806,"sentiment":"positive","sentiment_score":0.4150068163871765},{"text":"Bear in mind, could be rollercoaster ride still for the next six months. You'll probably see the super bouncing around similar to what it did just recently where it could drop from... It's almost hit a 150,000. Yep. It could drop to $1.20 and then be up to 200,000 six months later. So just bear in mind if you watch it every day, the the range of what it could hit in any month is quite wild at the moment. Yep. Cool. That's pretty much everything I needed to cover at the moment. Any questions so far on what we're thinking? Not really. So I want to understand, when did I join OQ? Like, in the sense... Since when I've been when did I start? Like, because I had a five year... I wanted to review where I was five years before and where am I at the moment. Yeah. So Yeah. Yeah. So so so you sort of opened the account. Like, I know usually it takes a little bit of time to open it. It was around about... Actually, this time in 2022 is when you yeah. started. Yeah. When it was all consolidated, you were sitting at about 52, 53,000 back then in the 11/02/2020 Yep. And at the moment, the number that you see is around $1.50. 22. Yeah. Correct. Okay. All good. So... Yeah. I mean, I want to... You know, in five years, I've done something. I've been a part of the service that you guys offered. And I wanna see after five years, like, which is next year, the same time. I wanna see where I started, how is... How did it grow, Yep. and where am I at the moment. And I would like to compare it with other supers and see.","start_word":2807,"end_word":3106,"sentiment":"neutral","sentiment_score":-0.00046835720539093015},{"text":"Yeah. Absolutely. I'll kind of do a little bit of that this year as well. Like, I know you wanna see it over five years, but we're still going to kind of show you, like, a five year return averaged out and then use that for the projection going forward as well.","start_word":3107,"end_word":3158,"sentiment":"positive","sentiment_score":0.44828689098358154},{"text":"And one thing I'm looking at is just the the first advice document you got from us just to see where that was projecting you to be at as well so you can see. In terms of all the other kind of supers, you're still about two to 3% above all of the funds you see in the news. What... When they talk about top 10 super funds, Australian Superhost Plus and the like, they're kind of averaging around about that 10% mark Mhmm. after fees over five years. Okay. I'm just having a quick look at the old projection there. So it was based on a slightly lower income at the time, but you were projected to hit a 130,000 Mhmm. over five years from 2022 to 2027. So you're a little bit ahead of where you were. Mhmm. Happy with that so far? Yep. Oh, yeah. Yeah. Yeah. And I think you were in BT Super the time, weren't Yeah. you? I'm just having a quick look for a moment. Please bear with me at what you were invested in at the time. Oh, just their old life stages investment. Yeah.","start_word":3159,"end_word":3351,"sentiment":"neutral","sentiment_score":0.034523092210292816},{"text":"That's not very fun.","start_word":3352,"end_word":3355,"sentiment":"negative","sentiment_score":-0.4026225805282593},{"text":"I believe they may have closed the old investment down that you were in at the time. Yeah. Total return, that's closed. I'll have to do a bit of research on that one, but I'll... Like I said, I'll include some updated projections for you in the plan. And what will basically happen is once I've done the quotes and we build the new projections for you, I'll get the team to book you in to sort of run through that document with me, make sure you're happy with it before we do anything. Mhmm. Yep.","start_word":3356,"end_word":3451,"sentiment":"neutral","sentiment_score":-0.006760265678167343},{"text":"Perfect.","start_word":3452,"end_word":3452,"sentiment":"positive","sentiment_score":0.5044047832489014},{"text":"Just bear in mind, Kashik, that if we go through a new insurance provider or even the increase, there's... They're gonna ask, you know, health and occupation questions, and we're pretty much going to prefill everything from the previous application and then just check all the data with you before we submit it. Yep.","start_word":3453,"end_word":3506,"sentiment":"neutral","sentiment_score":0.005648020189255476},{"text":"Awesome.","start_word":3507,"end_word":3507,"sentiment":"positive","sentiment_score":0.5549750924110413},{"text":"The last thing I'll leave you with is just in terms of that review pack. There's two consent forms if you're still comfortable with the services. So there's a tax file number opt in form, which basically says, are you still comfortable for us to hold your tax file number that we use for the applications, the super, the insurance. Yep. The last one is just in terms of consent for fees. So we still charge 1.65% spread through the year, but we have added in new tiered fee discounts for clients. So what's gonna happen is once you go above 200,000, that percentage will drop to 1.37. Yep. And then Mhmm. once we get you above 500,000, it'll drop again to 1.1%. Yep. K? So that's in the old service guide, and the new service guide I've sent through to you with you. So at least you can see that new tiered structure there as well Yep. for the future.","start_word":3508,"end_word":3668,"sentiment":"neutral","sentiment_score":0.06250789761543274},{"text":"Awesome, mate. I appreciate you taking a bit of time to update everything with me and go through a few ideas on top of just the insurances.","start_word":3669,"end_word":3695,"sentiment":"positive","sentiment_score":0.4498472809791565},{"text":"But do you have any questions before I let you go today? No. I think the packs that you sent... Yeah. There is a there is a signed request. Yes. Yes. I gotcha. Okay. Yep. Because it's with our new system, most of it is pretty much like a next document button that skips through just the reports for you to keep on file, and the last two documents will be the consent and the tax file number. Those two do require a signature if you're comfortable. Mhmm. Okay. The Increase. the superannuation in... The the insurance with Dell, at the moment, like you said, it's sitting $7.50. But like I said, I want to work out to increase it. So would Yep. you send me any sort of information around that? Can I expect that in the next few days, or what is the plan? Oh, so in the next couple of weeks, I'm gonna put together the plan with the new insurance recommendation, and I'm gonna Mhmm. include in there both the towel pricing and the best alternative that we can find. And then you can go through with me and see both of them together. Okay. Easy. Now are you by any chance in front of your computer at the moment? I am in front of a computer, but I may not have access because it's an office computer. So you want me to do anything? No.","start_word":3696,"end_word":3935,"sentiment":"neutral","sentiment_score":0.028849270893260837},{"text":"Not right now.","start_word":3936,"end_word":3938,"sentiment":"negative","sentiment_score":-0.33471858501434326},{"text":"I'm just gonna resend the pack through. It needs to be signed on the personal email that's linked to the super fund. That's all. So I'm just No. gonna I just do a signed little... one. I Yep. mean, I just signed the document that you sent earlier. So... Oh, perfect. Okay.","start_word":3939,"end_word":3990,"sentiment":"neutral","sentiment_score":-0.10098359733819962},{"text":"Cool. Good.","start_word":3991,"end_word":3992,"sentiment":"positive","sentiment_score":0.537664532661438},{"text":"The only one I was gonna send through was for the consent form just to make sure that you were happy with that fee structure because I can't get you to sign the fee consent until we've talked about the structure Oh, together. yeah. Yeah. Yeah. So Yeah. Yeah. I was just gonna send Send that it one through send separately. it out. Yeah. I can do it. I can do it from my phone. So with... Like, I did it. So... Oh, perfect.","start_word":3993,"end_word":4076,"sentiment":"neutral","sentiment_score":0.03485150262713432},{"text":"Perfect.","start_word":4077,"end_word":4077,"sentiment":"positive","sentiment_score":0.39842990040779114},{"text":"So I'll send Yeah. you a text once I send that one through. And then in about week and a half, two weeks, the team will give you a call to go through the the insurance quotes, updated projections with me. Sure. And when your team calls me and if I do not pick up, please tell them to... Let them know to leave a message so that I come back to you.","start_word":4078,"end_word":4150,"sentiment":"neutral","sentiment_score":0.11032035946846008},{"text":"Awesome.","start_word":4151,"end_word":4151,"sentiment":"positive","sentiment_score":0.4280950725078583},{"text":"Because Yeah. We'll sometimes... always Yeah. do voice mail and a text because, again, if you're working, that's totally fair. Yep. We'll we'll do both the text and a voice mail for you. Okay. Sure, Tommy.","start_word":4152,"end_word":4187,"sentiment":"neutral","sentiment_score":0.1967810603479544},{"text":"Thanks. Awesome, mate. Thank you so much for Alright. your time today, and I'll talk to you again soon. Thanks. Thanks. Bye. Thanks, mate. Bye.","start_word":4188,"end_word":4212,"sentiment":"positive","sentiment_score":0.6909908056259155},{"text":"Bye.","start_word":4213,"end_word":4213,"sentiment":"neutral","sentiment_score":0.25589069724082947}],"average":{"sentiment":"neutral","sentiment_score":0.050255464171851415}}}}