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Mate, I'm just gonna go through an annual review with you. Do you have a bit of time for me? Amazing. Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you. Will you better look on to the email with me today, or should I just walk you through what's coming by? Yep. Easy done. And just for security of your account, mate, could I please confirm your date of birth and address? Sensational. Thank you for that, mate. And I'm registered with Aspik as adviser one 273105. Now, Joe, there's quite a few things I want to run by you today. But before I jump into it, anything in particular you would like to focus on for this review? Amazing. So I'm gonna pop that through just so you've got it there. It's just a number of in the review pack, we've got the, like, performance sheets, certificates for the insurance, updated service guides with Oakview. And one thing I wanted to run by you as well, so I'm just gonna update a couple of details, touch on the goals that I was speaking to Kaylee about, make sure you guys are both aligned, and then just kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with. Alright. Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information. I did prepare one of those authorities today, but I just wanted to run it by you if that's something you'd be interested in. Perfect. Perfect. Perfect. Alrighty. So that'll go through there as well. Now just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them. Cool. So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures. Home valued at about 1.1 mil and the updated loans of about 756,000. And the investment property, that's $6.90 value, $6.39 owing. Does that sound about right to you? Only a little bit. I did miss it. Yep. Awesome. So I've got all those answers. Bit low. Yep. Okay. So that's the 1.2. Beautiful. And then again, so we've got the company owned vehicle for you, and then we did note down with Paley, you guys got solar and jet ski as well. Beautiful. No jet ski. Okay. So perfect. Alrighty. Outside of that, when it comes to the income side of things, so you're in sales with CDK Stone, we had you at about a 157,000, but then you're getting commissions of about 15 to 20 on top of that. Perfect. Alrighty. Couple of easy ones to start with. So I believe you guys have already updated, like, your your will as far as estate planning goes. Perfect. Now for the beneficiary nomination, so Kaylee has listed for the fees of life insurance with Neos, but I do know that you guys have two children as well. But Lila is listed as your beneficiary for hub twenty four for the super. Do you want me to update that at all? Yep. Okay. Split between the two. And the life insurance still okay. Just go to Hailey Direct. Fantastic. I got the address and everything updated, so that's amazing. Email address, your Gmail still okay for documentation? Perfect. Perfect. Perfect. Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do note that most of it had been withdrawn. There's about $10 in there. It had some pretty solid growth of about 13%. So our discussion was essentially just to kind of leave that alone because you guys have a lot of, like, cash flow priorities at the moment, and to kind of come back to that once you've kind of handled your other goals, which is really just about pulling funds into the offset account and then just going for another over the next one to five years. Does that sound about right? Perfect. Perfect. So the same thing I mentioned to Kaylee is I'm not sending through any service agreements for the investment account because it is $10,000. I don't wanna charge any fees out of it. I'll just kind of let it grow on its own, and then at each review, I'll kind of revisit it it. Perfect. When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance. You've got the trauma insurance out of pocket and a little bit of an income protection definition just to get that extra definition. Most of it's all through the super. Now you've got a thirty day waiting period. So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax. Now just based on what you're saying before for your income, so it's protecting an income of about a 191,000. So if you're sitting at $1.57 and you get about $20 worth of commissions on top, you're a tiny bit over insured for that one, but it's pretty close to the mark. So I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year. Perfect. Now I can either trim it down to your full income or just that $1.57 base. It'll chop off a good few 100. It'll let me just have a look at the current premium on that one. Life Income protection. So it'll probably go down from about 1,900, yeah, to about 1,500, 1,600 there. Cool. So that'll help a little bit. Yep. Perfect. I'll I'll do a bit of an alteration quote with Neil, and I'll get that through to you as well. Beautiful. Alrighty. Now when it comes to the superannuation, so I'm doing a bit of an updated portfolio for Kaylee at the moment. Again, I'm not touching the investment account because it's kind of doing its thing pretty, pretty well. But I wanted to really deep dive into yours today if that's alright. Now when it comes to yours, you're in what's essentially called an aggressive risk profile. So it's kind of like all of your supers in growth asset. There's property, gold. You're trying to get like the highest long term returns kind of thing. Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark for return, and their high growth funds are kind of hitting 12%. And what you're kind of aiming for is above that. So about 14 to 16%. Now your super over the last twelve months, I've just got an updated chart here. So it's gone from 94,000. We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000. Now that's mainly due to your contributions, which has been pretty good. The actual investment returns have been a little bit flat this year. Now what's essentially happening is I've done a bit of a deep dive on it. You've got around about eight different investment options here, eight or nine. Most of them have had really strong double digit. So most of your your top performers for you have been the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles. And they're all up like 35, 42%. Everything else is pretty much about 10 to 13% mark. The one that's had a bit of a drop is your Benelon Australian shares. That one's actually kind of got off in a really bad direction, and it's not keeping up with the Australian market nor is it keeping up with the other Australian options that are out there. So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options. I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark. The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to bed, Sevi and Bart have kind of come up with something called an SMA, separately managed account structure. Now what I wanna kind of tell you about that as an option to consider, if you would consider it, is what we can do is put a bubble around your portfolio. We can move it over to the core menu within Hub 24, which is a bit lower fee. Normally, in the call menu, you have less investment options. But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu. Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up. In this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis. So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document. Now to kind of tie that back, you don't have to decide today. I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%. And if I just engine tune up the portfolio, you're looking at 16%. So I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise? Perfect. So what I'll do is in the document, I'm basically gonna say this is your current portfolio. This is the bubble that we're looking at, and I'll put the other portfolio in there as an alternative so you can see all three of them compared against each other. Perfect. I know that's kind of a bit of an info done back to you straight away over the phone, but any questions on that so far? Perfect. So at this point, what I'm basically looking to do is leave the insurances alone, but a bit of a trim down on the income protection. We'll look at the different portfolios for the super, leave the investment account alone, update your beneficiary for super to be split between the two kids, and you guys all have the wills and everything updated. Perfect. Alrighty. So that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do. Any questions on that so far? Amazing. All good. So you can let Kelly know that I've pretty much got that document off the word very, very soon. Just dotting a few i's and t's on there. And then for your one, I should have that done within about a week or two. Cool. Now I am going away for just a little bit of leave. I just had a baby recently, so I'll be off for the middle of August. So I'll try and get you booked in before I go. But if I'm away and it just gets finished, I'm gonna get one of the other advisers just to run through that plan with you just so you don't have to wait until I get back. Cool. Alrighty. So update everything. New plan. Like I said, that review pack I've sent through to you, it has the sorry. Third party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail. Perfect. Alrighty. Nice and easy there. Let me go away and do the research and put that together for you. The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView. That'll continue. There's no changes so far. When we get to next year, have come up with a bit of a tiered fee structure. So everybody who's above 200,000 will start to get some discounts as well. Through Hub twenty four as well. Okay. So, yeah, you're already getting that family fee linking through Hub twenty four as well. Beautiful. Alright. Any questions for me, sir, before I let you go? Awesome. Look. I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans. Amazing. Have a great day, mate. Thank you so 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good afternoon, sir. It's Tommy here, senior adviser from. How are you doing? I'm having an absolutely fantastic week. Great to hear.\n\nMate, I'm just gonna go through an annual review with you. Do you have a bit of time for me? Amazing. Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you. Will you better look on to the email with me today, or should I just walk you through what's coming by?\n\nYep. Easy done. And just for security of your account, mate, could I please confirm your date of birth and address? Sensational. Thank you for that, mate.\n\nAnd I'm registered with Aspik as adviser one 273105. Now, Joe, there's quite a few things I want to run by you today. But before I jump into it, anything in particular you would like to focus on for this review? Amazing. So I'm gonna pop that through just so you've got it there.\n\nIt's just a number of in the review pack, we've got the, like, performance sheets, certificates for the insurance, updated service guides with Oakview. And one thing I wanted to run by you as well, so I'm just gonna update a couple of details, touch on the goals that I was speaking to Kaylee about, make sure you guys are both aligned, and then just kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with. Alright. Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information. I did prepare one of those authorities today, but I just wanted to run it by you if that's something you'd be interested in.\n\nPerfect. Perfect. Perfect. Alrighty. So that'll go through there as well.\n\nNow just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them. Cool. So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures. Home valued at about 1.1 mil and the updated loans of about 756,000. And the investment property, that's $6.90 value, $6.39 owing.\n\nDoes that sound about right to you? Only a little bit. I did miss it. Yep. Awesome.\n\nSo I've got all those answers. Bit low. Yep. Okay. So that's the 1.2.\n\nBeautiful. And then again, so we've got the company owned vehicle for you, and then we did note down with Paley, you guys got solar and jet ski as well. Beautiful. No jet ski. Okay.\n\nSo perfect. Alrighty. Outside of that, when it comes to the income side of things, so you're in sales with CDK Stone, we had you at about a 157,000, but then you're getting commissions of about 15 to 20 on top of that. Perfect. Alrighty.\n\nCouple of easy ones to start with. So I believe you guys have already updated, like, your your will as far as estate planning goes. Perfect. Now for the beneficiary nomination, so Kaylee has listed for the fees of life insurance with Neos, but I do know that you guys have two children as well. But Lila is listed as your beneficiary for hub twenty four for the super.\n\nDo you want me to update that at all? Yep. Okay. Split between the two. And the life insurance still okay.\n\nJust go to Hailey Direct. Fantastic. I got the address and everything updated, so that's amazing. Email address, your Gmail still okay for documentation? Perfect.\n\nPerfect. Perfect. Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do note that most of it had been withdrawn. There's about $10 in there. It had some pretty solid growth of about 13%.\n\nSo our discussion was essentially just to kind of leave that alone because you guys have a lot of, like, cash flow priorities at the moment, and to kind of come back to that once you've kind of handled your other goals, which is really just about pulling funds into the offset account and then just going for another over the next one to five years. Does that sound about right? Perfect. Perfect. So the same thing I mentioned to Kaylee is I'm not sending through any service agreements for the investment account because it is $10,000.\n\nI don't wanna charge any fees out of it. I'll just kind of let it grow on its own, and then at each review, I'll kind of revisit it it. Perfect. When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance. You've got the trauma insurance out of pocket and a little bit of an income protection definition just to get that extra definition.\n\nMost of it's all through the super. Now you've got a thirty day waiting period. So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax. Now just based on what you're saying before for your income, so it's protecting an income of about a 191,000. So if you're sitting at $1.57 and you get about $20 worth of commissions on top, you're a tiny bit over insured for that one, but it's pretty close to the mark.\n\nSo I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year. Perfect. Now I can either trim it down to your full income or just that $1.57 base. It'll chop off a good few 100. It'll let me just have a look at the current premium on that one.\n\nLife Income protection. So it'll probably go down from about 1,900, yeah, to about 1,500, 1,600 there. Cool. So that'll help a little bit. Yep.\n\nPerfect. I'll I'll do a bit of an alteration quote with Neil, and I'll get that through to you as well. Beautiful. Alrighty. Now when it comes to the superannuation, so I'm doing a bit of an updated portfolio for Kaylee at the moment.\n\nAgain, I'm not touching the investment account because it's kind of doing its thing pretty, pretty well. But I wanted to really deep dive into yours today if that's alright. Now when it comes to yours, you're in what's essentially called an aggressive risk profile. So it's kind of like all of your supers in growth asset. There's property, gold.\n\nYou're trying to get like the highest long term returns kind of thing. Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark for return, and their high growth funds are kind of hitting 12%. And what you're kind of aiming for is above that. So about 14 to 16%. Now your super over the last twelve months, I've just got an updated chart here.\n\nSo it's gone from 94,000. We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000. Now that's mainly due to your contributions, which has been pretty good. The actual investment returns have been a little bit flat this year. Now what's essentially happening is I've done a bit of a deep dive on it.\n\nYou've got around about eight different investment options here, eight or nine. Most of them have had really strong double digit. So most of your your top performers for you have been the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles. And they're all up like 35, 42%. Everything else is pretty much about 10 to 13% mark.\n\nThe one that's had a bit of a drop is your Benelon Australian shares. That one's actually kind of got off in a really bad direction, and it's not keeping up with the Australian market nor is it keeping up with the other Australian options that are out there. So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options. I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark. The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to bed, Sevi and Bart have kind of come up with something called an SMA, separately managed account structure.\n\nNow what I wanna kind of tell you about that as an option to consider, if you would consider it, is what we can do is put a bubble around your portfolio. We can move it over to the core menu within Hub 24, which is a bit lower fee. Normally, in the call menu, you have less investment options. But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu. Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up.\n\nIn this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis. So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document. Now to kind of tie that back, you don't have to decide today. I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%. And if I just engine tune up the portfolio, you're looking at 16%.\n\nSo I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise? Perfect. So what I'll do is in the document, I'm basically gonna say this is your current portfolio. This is the bubble that we're looking at, and I'll put the other portfolio in there as an alternative so you can see all three of them compared against each other. Perfect.\n\nI know that's kind of a bit of an info done back to you straight away over the phone, but any questions on that so far? Perfect. So at this point, what I'm basically looking to do is leave the insurances alone, but a bit of a trim down on the income protection. We'll look at the different portfolios for the super, leave the investment account alone, update your beneficiary for super to be split between the two kids, and you guys all have the wills and everything updated. Perfect.\n\nAlrighty. So that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do. Any questions on that so far? Amazing. All good.\n\nSo you can let Kelly know that I've pretty much got that document off the word very, very soon. Just dotting a few i's and t's on there. And then for your one, I should have that done within about a week or two. Cool. Now I am going away for just a little bit of leave.\n\nI just had a baby recently, so I'll be off for the middle of August. So I'll try and get you booked in before I go. But if I'm away and it just gets finished, I'm gonna get one of the other advisers just to run through that plan with you just so you don't have to wait until I get back. Cool. Alrighty.\n\nSo update everything. New plan. Like I said, that review pack I've sent through to you, it has the sorry. Third party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail. Perfect.\n\nAlrighty. Nice and easy there. Let me go away and do the research and put that together for you. The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView. That'll continue.\n\nThere's no changes so far. When we get to next year, have come up with a bit of a tiered fee structure. So everybody who's above 200,000 will start to get some discounts as well. Through Hub twenty four as well. Okay.\n\nSo, yeah, you're already getting that family fee linking through Hub twenty four as well. Beautiful. Alright. Any questions for me, sir, before I let you go? Awesome.\n\nLook. I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans. Amazing. Have a great day, mate. Thank you so much.","paragraphs":[{"sentences":[{"text":"Joe, good afternoon, sir.","start":2.72,"end":4.0,"sentiment":"neutral","sentiment_score":0.3317550905048847},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.94,"sentiment":"neutral","sentiment_score":0.20986432830492655},{"text":"How are you doing?","start":6.0,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18900106102228165},{"text":"I'm having an absolutely fantastic week.","start":9.04,"end":11.599999,"sentiment":"positive","sentiment_score":0.8283732235431671},{"text":"Great to hear.","start":11.599999,"end":12.315,"sentiment":"positive","sentiment_score":0.8487202922503153}],"sentiment":"positive","sentiment_score":0.47211351278035535,"num_words":23,"start":2.72,"end":12.315},{"sentences":[{"text":"Mate, I'm just gonna go through an annual review with you.","start":12.554999,"end":15.355,"sentiment":"neutral","sentiment_score":0.2542308135466142},{"text":"Do you have a bit of time for me?","start":15.355,"end":16.974998,"sentiment":"neutral","sentiment_score":0.08823958618773355},{"text":"Amazing.","start":19.515,"end":20.015,"sentiment":"positive","sentiment_score":0.4938499927520752},{"text":"Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you.","start":20.234999,"end":24.154999,"sentiment":"neutral","sentiment_score":0.17879449836909772},{"text":"Will you better look on to the email with me today, or should I just walk you through what's coming by?","start":24.154999,"end":28.89,"sentiment":"neutral","sentiment_score":0.09164030495144072}],"sentiment":"neutral","sentiment_score":0.1545948643357523,"num_words":62,"start":12.554999,"end":28.89},{"sentences":[{"text":"Yep.","start":33.35,"end":33.75,"sentiment":"neutral","sentiment_score":0.1692207157611847},{"text":"Easy done.","start":33.75,"end":34.65,"sentiment":"neutral","sentiment_score":0.3055187463760376},{"text":"And just for security of your account, mate, could I please confirm your date of birth and address?","start":34.87,"end":39.29,"sentiment":"neutral","sentiment_score":0.07528117878569497},{"text":"Sensational.","start":46.234997,"end":46.734997,"sentiment":"neutral","sentiment_score":0.16931702196598053},{"text":"Thank you for that, mate.","start":47.034996,"end":47.835,"sentiment":"positive","sentiment_score":0.6138583302497864}],"sentiment":"neutral","sentiment_score":0.1990343740692845,"num_words":27,"start":33.35,"end":47.835},{"sentences":[{"text":"And I'm registered with Aspik as adviser one 273105.","start":47.835,"end":51.774998,"sentiment":"neutral","sentiment_score":0.26961424118942684},{"text":"Now, Joe, there's quite a few things I want to run by you today.","start":51.995,"end":55.7,"sentiment":"neutral","sentiment_score":0.14400893503001758},{"text":"But before I jump into it, anything in particular you would like to focus on for this review?","start":56.08,"end":60.58,"sentiment":"neutral","sentiment_score":0.05896409663061301},{"text":"Amazing.","start":64.56,"end":65.06,"sentiment":"neutral","sentiment_score":0.21394039690494537},{"text":"So I'm gonna pop that through just so you've got it there.","start":65.520004,"end":68.340004,"sentiment":"neutral","sentiment_score":0.2531718984246254}],"sentiment":"neutral","sentiment_score":0.16214833663845504,"num_words":54,"start":47.835,"end":68.340004},{"sentences":[{"text":"It's just a number of in the review pack, we've got the, like, performance sheets, certificates for the insurance, updated service guides with Oakview.","start":68.56,"end":76.795,"sentiment":"neutral","sentiment_score":0.1982603824386994},{"text":"And one thing I wanted to run by you as well, so I'm just gonna update a couple of details, touch on the goals that I was speaking to Kaylee about, make sure you guys are both aligned, and then just kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with.","start":77.575,"end":94.09,"sentiment":"neutral","sentiment_score":0.14645341271534562},{"text":"Alright.","start":96.549995,"end":96.95,"sentiment":"neutral","sentiment_score":0.09445720911026},{"text":"Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information.","start":96.95,"end":114.735,"sentiment":"neutral","sentiment_score":0.1415624123496505},{"text":"I did prepare one of those authorities today, but I just wanted to run it by you if that's something you'd be interested in.","start":115.82,"end":122.64,"sentiment":"neutral","sentiment_score":0.06018905264014999}],"sentiment":"neutral","sentiment_score":0.1395848939816157,"num_words":165,"start":68.56,"end":122.64},{"sentences":[{"text":"Perfect.","start":125.1,"end":125.6,"sentiment":"positive","sentiment_score":0.7475404739379883},{"text":"Perfect.","start":125.659996,"end":126.06,"sentiment":"positive","sentiment_score":0.7273731827735901},{"text":"Perfect.","start":126.06,"end":126.56,"sentiment":"positive","sentiment_score":0.6666585206985474},{"text":"Alrighty.","start":127.02,"end":127.52,"sentiment":"positive","sentiment_score":0.4242022037506103},{"text":"So that'll go through there as well.","start":127.579994,"end":129.285,"sentiment":"neutral","sentiment_score":0.3044792711734772}],"sentiment":"positive","sentiment_score":0.4270117526704615,"num_words":11,"start":125.1,"end":129.285},{"sentences":[{"text":"Now just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them.","start":130.005,"end":140.02501,"sentiment":"neutral","sentiment_score":0.1844922587275505},{"text":"Cool.","start":142.085,"end":142.56,"sentiment":"neutral","sentiment_score":0.22660011053085327},{"text":"So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures.","start":142.64,"end":150.26,"sentiment":"neutral","sentiment_score":0.10660701685331085},{"text":"Home valued at about 1.1 mil and the updated loans of about 756,000.","start":151.12,"end":157.275,"sentiment":"neutral","sentiment_score":0.0787490910062423},{"text":"And the investment property, that's $6.90 value, $6.39 owing.","start":157.97499,"end":163.255,"sentiment":"neutral","sentiment_score":0.06873895890182918}],"sentiment":"neutral","sentiment_score":0.13640039580709795,"num_words":85,"start":130.005,"end":163.255},{"sentences":[{"text":"Does that sound about right to you?","start":163.255,"end":165.19499,"sentiment":"neutral","sentiment_score":0.0741279763834817},{"text":"Only a little bit.","start":177.51,"end":178.62999,"sentiment":"neutral","sentiment_score":-0.04186129383742809},{"text":"I did miss it.","start":178.62999,"end":179.445,"sentiment":"neutral","sentiment_score":-0.018856156151741743},{"text":"Yep.","start":190.485,"end":190.985,"sentiment":"neutral","sentiment_score":0.06328856199979782},{"text":"Awesome.","start":191.125,"end":191.60501,"sentiment":"neutral","sentiment_score":0.192659854888916}],"sentiment":"neutral","sentiment_score":0.03129261480096508,"num_words":17,"start":163.255,"end":191.60501},{"sentences":[{"text":"So I've got all those answers.","start":191.60501,"end":193.145,"sentiment":"neutral","sentiment_score":0.023940964912374813},{"text":"Bit low.","start":194.32501,"end":194.96501,"sentiment":"neutral","sentiment_score":-0.030144373420625925},{"text":"Yep.","start":194.96501,"end":195.39,"sentiment":"neutral","sentiment_score":0.026626911014318463},{"text":"Okay.","start":195.47,"end":195.71,"sentiment":"neutral","sentiment_score":0.04420192539691925},{"text":"So that's the 1.2.","start":195.71,"end":197.17,"sentiment":"neutral","sentiment_score":0.055685002356767654}],"sentiment":"neutral","sentiment_score":0.026923277747950385,"num_words":14,"start":191.60501,"end":197.17},{"sentences":[{"text":"Beautiful.","start":199.31,"end":199.81,"sentiment":"neutral","sentiment_score":0.332702100276947},{"text":"And then again, so we've got the company owned vehicle for you, and then we did note down with Paley, you guys got solar and jet ski as well.","start":200.83,"end":208.785,"sentiment":"neutral","sentiment_score":0.08344486381473212},{"text":"Beautiful.","start":216.38501,"end":216.785,"sentiment":"neutral","sentiment_score":0.018103845417499546},{"text":"No jet ski.","start":216.785,"end":217.425,"sentiment":"neutral","sentiment_score":-0.03672544037302335},{"text":"Okay.","start":217.425,"end":217.925,"sentiment":"neutral","sentiment_score":0.01429519709199667}],"sentiment":"neutral","sentiment_score":0.07642359635127442,"num_words":35,"start":199.31,"end":217.925},{"sentences":[{"text":"So perfect.","start":218.705,"end":219.60501,"sentiment":"neutral","sentiment_score":0.11321238800883293},{"text":"Alrighty.","start":220.145,"end":220.645,"sentiment":"neutral","sentiment_score":0.07102379947900772},{"text":"Outside of that, when it comes to the income side of things, so you're in sales with CDK Stone, we had you at about a 157,000, but then you're getting commissions of about 15 to 20 on top of that.","start":221.93,"end":237.99501,"sentiment":"neutral","sentiment_score":0.06282793600112199},{"text":"Perfect.","start":237.99501,"end":238.49501,"sentiment":"neutral","sentiment_score":0.30463916063308716},{"text":"Alrighty.","start":238.955,"end":239.455,"sentiment":"neutral","sentiment_score":0.22862565517425537}],"sentiment":"neutral","sentiment_score":0.07430735180775325,"num_words":45,"start":218.705,"end":239.455},{"sentences":[{"text":"Couple of easy ones to start with.","start":240.075,"end":241.835,"sentiment":"neutral","sentiment_score":0.2388382383755275},{"text":"So I believe you guys have already updated, like, your your will as far as estate planning goes.","start":241.835,"end":248.015,"sentiment":"neutral","sentiment_score":0.17413601610395643},{"text":"Perfect.","start":249.99501,"end":250.49501,"sentiment":"neutral","sentiment_score":0.2680930495262146},{"text":"Now for the beneficiary nomination, so Kaylee has listed for the fees of life insurance with Neos, but I do know that you guys have two children as well.","start":250.7,"end":259.44,"sentiment":"neutral","sentiment_score":0.1036509224053087},{"text":"But Lila is listed as your beneficiary for hub twenty four for the super.","start":259.9,"end":264.165,"sentiment":"neutral","sentiment_score":0.07445410998272044}],"sentiment":"neutral","sentiment_score":0.13221222170345162,"num_words":69,"start":240.075,"end":264.165},{"sentences":[{"text":"Do you want me to update that at all?","start":266.405,"end":268.345,"sentiment":"neutral","sentiment_score":0.02296370392044385},{"text":"Yep.","start":276.805,"end":277.20502,"sentiment":"neutral","sentiment_score":0.009038543328642843},{"text":"Okay.","start":277.20502,"end":277.70502,"sentiment":"neutral","sentiment_score":0.025128204375505447},{"text":"Split between the two.","start":277.765,"end":279.225,"sentiment":"neutral","sentiment_score":0.01900805439800024},{"text":"And the life insurance still okay.","start":279.40997,"end":281.00998,"sentiment":"neutral","sentiment_score":0.07069086655974388}],"sentiment":"neutral","sentiment_score":0.03528654761612415,"num_words":21,"start":266.405,"end":281.00998},{"sentences":[{"text":"Just go to Hailey Direct.","start":281.00998,"end":282.31,"sentiment":"neutral","sentiment_score":0.08718712031841278},{"text":"Fantastic.","start":285.09,"end":285.59,"sentiment":"positive","sentiment_score":0.7601209878921509},{"text":"I got the address and everything updated, so that's amazing.","start":286.61,"end":289.83,"sentiment":"positive","sentiment_score":0.6799732863903045},{"text":"Email address, your Gmail still okay for documentation?","start":290.93,"end":293.91498,"sentiment":"neutral","sentiment_score":0.2541199382394552},{"text":"Perfect.","start":296.69498,"end":297.09497,"sentiment":"positive","sentiment_score":0.40105074644088745}],"sentiment":"positive","sentiment_score":0.41719198822975156,"num_words":25,"start":281.00998,"end":297.09497},{"sentences":[{"text":"Perfect.","start":297.09497,"end":297.495,"sentiment":"positive","sentiment_score":0.3830517530441284},{"text":"Perfect.","start":297.495,"end":297.995,"sentiment":"positive","sentiment_score":0.3462423086166382},{"text":"Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do note that most of it had been withdrawn.","start":298.29498,"end":306.07498,"sentiment":"neutral","sentiment_score":0.011605100452222607},{"text":"There's about $10 in there.","start":306.37997,"end":308.08,"sentiment":"neutral","sentiment_score":0.07716525085270405},{"text":"It had some pretty solid growth of about 13%.","start":308.13998,"end":311.19998,"sentiment":"neutral","sentiment_score":0.23576012916035122}],"sentiment":"neutral","sentiment_score":0.07387611823042436,"num_words":49,"start":297.09497,"end":311.19998},{"sentences":[{"text":"So our discussion was essentially just to kind of leave that alone because you guys have a lot of, like, cash flow priorities at the moment, and to kind of come back to that once you've kind of handled your other goals, which is really just about pulling funds into the offset account and then just going for another over the next one to five years.","start":311.34,"end":331.165,"sentiment":"neutral","sentiment_score":0.01663834418198376},{"text":"Does that sound about right?","start":333.065,"end":334.365,"sentiment":"neutral","sentiment_score":0.03815829493105412},{"text":"Perfect.","start":336.585,"end":337.065,"sentiment":"neutral","sentiment_score":0.2877594232559204},{"text":"Perfect.","start":337.065,"end":337.465,"sentiment":"neutral","sentiment_score":0.2166792005300522},{"text":"So the same thing I mentioned to Kaylee is I'm not sending through any service agreements for the investment account because it is $10,000.","start":337.465,"end":344.72,"sentiment":"neutral","sentiment_score":-0.0257657429901883}],"sentiment":"neutral","sentiment_score":0.012113226625645897,"num_words":97,"start":311.34,"end":344.72},{"sentences":[{"text":"I don't wanna charge any fees out of it.","start":344.72,"end":346.64,"sentiment":"neutral","sentiment_score":-0.06507432750529712},{"text":"I'll just kind of let it grow on its own, and then at each review, I'll kind of revisit it it.","start":346.64,"end":354.515,"sentiment":"neutral","sentiment_score":0.02318785179938589},{"text":"Perfect.","start":354.515,"end":355.015,"sentiment":"neutral","sentiment_score":0.22258472442626953},{"text":"When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance.","start":355.555,"end":364.135,"sentiment":"neutral","sentiment_score":0.08547672114911534},{"text":"You've got the trauma insurance out of pocket and a little bit of an income protection definition just to get that extra definition.","start":364.7,"end":372.16,"sentiment":"neutral","sentiment_score":0.04930390644332637}],"sentiment":"neutral","sentiment_score":0.04070482209324837,"num_words":75,"start":344.72,"end":372.16},{"sentences":[{"text":"Most of it's all through the super.","start":372.62003,"end":374.32,"sentiment":"neutral","sentiment_score":0.06200107719217028},{"text":"Now you've got a thirty day waiting period.","start":375.34003,"end":378.30002,"sentiment":"neutral","sentiment_score":0.07192416954785585},{"text":"So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax.","start":378.30002,"end":391.645,"sentiment":"neutral","sentiment_score":0.09107097862540064},{"text":"Now just based on what you're saying before for your income, so it's protecting an income of about a 191,000.","start":394.25998,"end":400.28,"sentiment":"neutral","sentiment_score":0.041415429394692185},{"text":"So if you're sitting at $1.57 and you get about $20 worth of commissions on top, you're a tiny bit over insured for that one, but it's pretty close to the mark.","start":400.5,"end":412.295,"sentiment":"neutral","sentiment_score":0.022754882549634203}],"sentiment":"neutral","sentiment_score":0.057072037839903854,"num_words":104,"start":372.62003,"end":412.295},{"sentences":[{"text":"So I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year.","start":412.295,"end":418.955,"sentiment":"neutral","sentiment_score":-0.017538216926397815},{"text":"Perfect.","start":424.58,"end":425.08,"sentiment":"neutral","sentiment_score":0.1522194743156433},{"text":"Now I can either trim it down to your full income or just that $1.57 base.","start":425.86,"end":431.08,"sentiment":"neutral","sentiment_score":0.14815506665036082},{"text":"It'll chop off a good few 100.","start":440.915,"end":442.935,"sentiment":"neutral","sentiment_score":0.07461476964609963},{"text":"It'll let me just have a look at the current premium on that one.","start":443.555,"end":446.935,"sentiment":"neutral","sentiment_score":0.0975065284541675}],"sentiment":"neutral","sentiment_score":0.05603493625919024,"num_words":69,"start":412.295,"end":446.935},{"sentences":[{"text":"Life Income protection.","start":448.515,"end":452.04,"sentiment":"neutral","sentiment_score":0.08395789315303166},{"text":"So it'll probably go down from about 1,900, yeah, to about 1,500, 1,600 there.","start":452.04,"end":457.82,"sentiment":"neutral","sentiment_score":0.07599444634148053},{"text":"Cool.","start":461.32,"end":461.56,"sentiment":"neutral","sentiment_score":0.31159645318984985},{"text":"So that'll help a little bit.","start":461.56,"end":463.08,"sentiment":"neutral","sentiment_score":0.19924092789491019},{"text":"Yep.","start":463.08,"end":463.47998,"sentiment":"neutral","sentiment_score":0.3021717369556427}],"sentiment":"neutral","sentiment_score":0.12500038743019104,"num_words":25,"start":448.515,"end":463.47998},{"sentences":[{"text":"Perfect.","start":463.47998,"end":463.97998,"sentiment":"positive","sentiment_score":0.5205111503601074},{"text":"I'll I'll do a bit of an alteration quote with Neil, and I'll get that through to you as well.","start":464.16498,"end":468.82498,"sentiment":"neutral","sentiment_score":0.25294501408934594},{"text":"Beautiful.","start":470.245,"end":470.745,"sentiment":"positive","sentiment_score":0.5282240509986877},{"text":"Alrighty.","start":472.16498,"end":472.66498,"sentiment":"positive","sentiment_score":0.33486661314964294},{"text":"Now when it comes to the superannuation, so I'm doing a bit of an updated portfolio for Kaylee at the moment.","start":472.965,"end":480.06,"sentiment":"neutral","sentiment_score":0.14774598216726667}],"sentiment":"neutral","sentiment_score":0.21693563004108993,"num_words":44,"start":463.47998,"end":480.06},{"sentences":[{"text":"Again, I'm not touching the investment account because it's kind of doing its thing pretty, pretty well.","start":480.86,"end":485.52,"sentiment":"neutral","sentiment_score":0.13570739591822906},{"text":"But I wanted to really deep dive into yours today if that's alright.","start":485.66,"end":489.12,"sentiment":"neutral","sentiment_score":0.15701721092829338},{"text":"Now when it comes to yours, you're in what's essentially called an aggressive risk profile.","start":493.1,"end":497.745,"sentiment":"neutral","sentiment_score":0.030400453135371208},{"text":"So it's kind of like all of your supers in growth asset.","start":497.88498,"end":500.865,"sentiment":"neutral","sentiment_score":0.042857504139343895},{"text":"There's property, gold.","start":501.16498,"end":502.865,"sentiment":"neutral","sentiment_score":0.06940976281960805}],"sentiment":"neutral","sentiment_score":0.09211292679732044,"num_words":60,"start":480.86,"end":502.865},{"sentences":[{"text":"You're trying to get like the highest long term returns kind of thing.","start":503.00497,"end":506.38498,"sentiment":"neutral","sentiment_score":0.10521921687401257},{"text":"Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark for return, and their high growth funds are kind of hitting 12%.","start":507.00497,"end":520.16003,"sentiment":"neutral","sentiment_score":0.13305303836014212},{"text":"And what you're kind of aiming for is above that.","start":520.62,"end":524.715,"sentiment":"neutral","sentiment_score":0.1082976235076785},{"text":"So about 14 to 16%.","start":524.715,"end":527.53503,"sentiment":"neutral","sentiment_score":0.058010359108448026},{"text":"Now your super over the last twelve months, I've just got an updated chart here.","start":529.755,"end":533.275,"sentiment":"neutral","sentiment_score":0.13762235442797344}],"sentiment":"neutral","sentiment_score":0.12214747308531687,"num_words":84,"start":503.00497,"end":533.275},{"sentences":[{"text":"So it's gone from 94,000.","start":533.275,"end":535.935,"sentiment":"neutral","sentiment_score":0.06673703938722611},{"text":"We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000.","start":536.235,"end":541.7,"sentiment":"neutral","sentiment_score":-0.1818144324828278},{"text":"Now that's mainly due to your contributions, which has been pretty good.","start":544.24005,"end":548.32,"sentiment":"positive","sentiment_score":0.4580971412360668},{"text":"The actual investment returns have been a little bit flat this year.","start":548.32,"end":552.015,"sentiment":"neutral","sentiment_score":-0.31123469894131023},{"text":"Now what's essentially happening is I've done a bit of a deep dive on it.","start":554.335,"end":557.875,"sentiment":"neutral","sentiment_score":0.06524229496717453}],"sentiment":"neutral","sentiment_score":-0.014018917964263395,"num_words":66,"start":533.275,"end":557.875},{"sentences":[{"text":"You've got around about eight different investment options here, eight or nine.","start":558.335,"end":563.395,"sentiment":"neutral","sentiment_score":0.07948668052752812},{"text":"Most of them have had really strong double digit.","start":563.935,"end":566.435,"sentiment":"neutral","sentiment_score":0.2053279628356298},{"text":"So most of your your top performers for you have been the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles.","start":567.34,"end":577.52,"sentiment":"neutral","sentiment_score":0.18607005774974822},{"text":"And they're all up like 35, 42%.","start":577.74005,"end":581.34503,"sentiment":"neutral","sentiment_score":0.1229221448302269},{"text":"Everything else is pretty much about 10 to 13% mark.","start":581.885,"end":585.425,"sentiment":"neutral","sentiment_score":0.012003802508115769}],"sentiment":"neutral","sentiment_score":0.13771156769464998,"num_words":68,"start":558.335,"end":585.425},{"sentences":[{"text":"The one that's had a bit of a drop is your Benelon Australian shares.","start":585.72504,"end":590.145,"sentiment":"neutral","sentiment_score":-0.12307888322642871},{"text":"That one's actually kind of got off in a really bad direction, and it's not keeping up with the Australian market nor is it keeping up with the other Australian options that are out there.","start":591.085,"end":602.76,"sentiment":"negative","sentiment_score":-0.3655149506671088},{"text":"So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options.","start":605.45996,"end":613.985,"sentiment":"neutral","sentiment_score":0.06907318010926247},{"text":"I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark.","start":614.845,"end":628.19995,"sentiment":"neutral","sentiment_score":0.14673947953642943},{"text":"The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to bed, Sevi and Bart have kind of come up with something called an SMA, separately managed account structure.","start":630.42,"end":646.85504,"sentiment":"neutral","sentiment_score":-0.046622207049619065}],"sentiment":"neutral","sentiment_score":-0.054151047182119924,"num_words":162,"start":585.72504,"end":646.85504},{"sentences":[{"text":"Now what I wanna kind of tell you about that as an option to consider, if you would consider it, is what we can do is put a bubble around your portfolio.","start":647.635,"end":656.56,"sentiment":"neutral","sentiment_score":0.11317371274344623},{"text":"We can move it over to the core menu within Hub 24, which is a bit lower fee.","start":657.42,"end":662.72003,"sentiment":"neutral","sentiment_score":0.11368768827782737},{"text":"Normally, in the call menu, you have less investment options.","start":663.66003,"end":667.175,"sentiment":"neutral","sentiment_score":0.01682214389438741},{"text":"But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu.","start":667.555,"end":676.85504,"sentiment":"neutral","sentiment_score":0.18199674678700312},{"text":"Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up.","start":679.155,"end":689.52,"sentiment":"neutral","sentiment_score":0.1437822725209925}],"sentiment":"neutral","sentiment_score":0.1299050754558618,"num_words":124,"start":647.635,"end":689.52},{"sentences":[{"text":"In this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis.","start":689.98,"end":700.385,"sentiment":"neutral","sentiment_score":0.25678064903387654},{"text":"So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document.","start":700.525,"end":711.38,"sentiment":"neutral","sentiment_score":0.1509463716712263},{"text":"Now to kind of tie that back, you don't have to decide today.","start":713.76,"end":716.72003,"sentiment":"neutral","sentiment_score":0.10761367013821235},{"text":"I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%.","start":716.72003,"end":728.735,"sentiment":"neutral","sentiment_score":0.0923912745407399},{"text":"And if I just engine tune up the portfolio, you're looking at 16%.","start":728.955,"end":732.895,"sentiment":"neutral","sentiment_score":0.11578376075396171}],"sentiment":"neutral","sentiment_score":0.14881832943465867,"num_words":122,"start":689.98,"end":732.895},{"sentences":[{"text":"So I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise?","start":733.275,"end":743.32,"sentiment":"neutral","sentiment_score":0.06481711406792913},{"text":"Perfect.","start":750.555,"end":750.955,"sentiment":"positive","sentiment_score":0.5055412650108337},{"text":"So what I'll do is in the document, I'm basically gonna say this is your current portfolio.","start":750.955,"end":755.21497,"sentiment":"neutral","sentiment_score":0.2004714432884665},{"text":"This is the bubble that we're looking at, and I'll put the other portfolio in there as an alternative so you can see all three of them compared against each other.","start":755.675,"end":765.79,"sentiment":"neutral","sentiment_score":0.17794607483571576},{"text":"Perfect.","start":765.79,"end":766.29,"sentiment":"positive","sentiment_score":0.3923805356025696}],"sentiment":"neutral","sentiment_score":0.14224545469178873,"num_words":85,"start":733.275,"end":766.29},{"sentences":[{"text":"I know that's kind of a bit of an info done back to you straight away over the phone, but any questions on that so far?","start":766.67,"end":771.97,"sentiment":"neutral","sentiment_score":0.20015064899164897},{"text":"Perfect.","start":776.51,"end":776.82996,"sentiment":"positive","sentiment_score":0.46137264370918274},{"text":"So at this point, what I'm basically looking to do is leave the insurances alone, but a bit of a trim down on the income protection.","start":776.82996,"end":784.10504,"sentiment":"neutral","sentiment_score":0.1741209841118409},{"text":"We'll look at the different portfolios for the super, leave the investment account alone, update your beneficiary for super to be split between the two kids, and you guys all have the wills and everything updated.","start":784.805,"end":796.73,"sentiment":"neutral","sentiment_score":0.27315840497612953},{"text":"Perfect.","start":799.67,"end":800.17,"sentiment":"positive","sentiment_score":0.5129199028015137}],"sentiment":"neutral","sentiment_score":0.2282117509593566,"num_words":90,"start":766.67,"end":800.17},{"sentences":[{"text":"Alrighty.","start":800.23,"end":800.73,"sentiment":"neutral","sentiment_score":0.07087862491607666},{"text":"So that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do.","start":800.79,"end":806.25,"sentiment":"neutral","sentiment_score":0.10071552513788144},{"text":"Any questions on that so far?","start":806.55,"end":807.975,"sentiment":"neutral","sentiment_score":0.027884066725770634},{"text":"Amazing.","start":811.01495,"end":811.51495,"sentiment":"positive","sentiment_score":0.6884937286376953},{"text":"All good.","start":812.295,"end":812.855,"sentiment":"positive","sentiment_score":0.6226989924907684}],"sentiment":"neutral","sentiment_score":0.13497786300585551,"num_words":34,"start":800.23,"end":812.855},{"sentences":[{"text":"So you can let Kelly know that I've pretty much got that document off the word very, very soon.","start":812.855,"end":818.69495,"sentiment":"neutral","sentiment_score":0.27500489040424947},{"text":"Just dotting a few i's and t's on there.","start":818.69495,"end":820.935,"sentiment":"neutral","sentiment_score":0.17208029992050594},{"text":"And then for your one, I should have that done within about a week or two.","start":820.935,"end":824.95996,"sentiment":"neutral","sentiment_score":0.14973807847127318},{"text":"Cool.","start":827.82,"end":828.32,"sentiment":"positive","sentiment_score":0.3910127878189087},{"text":"Now I am going away for just a little bit of leave.","start":828.54,"end":831.5,"sentiment":"neutral","sentiment_score":0.06957536345968644}],"sentiment":"neutral","sentiment_score":0.18237793020773352,"num_words":57,"start":812.855,"end":831.5},{"sentences":[{"text":"I just had a baby recently, so I'll be off for the middle of August.","start":831.5,"end":835.6,"sentiment":"neutral","sentiment_score":0.051546140511830645},{"text":"So I'll try and get you booked in before I go.","start":836.06,"end":839.315,"sentiment":"neutral","sentiment_score":0.07550494880838828},{"text":"But if I'm away and it just gets finished, I'm gonna get one of the other advisers just to run through that plan with you just so you don't have to wait until I get back.","start":839.53503,"end":848.755,"sentiment":"neutral","sentiment_score":0.06292579509317875},{"text":"Cool.","start":851.29504,"end":851.67,"sentiment":"neutral","sentiment_score":0.2675994038581848},{"text":"Alrighty.","start":851.91,"end":852.41,"sentiment":"neutral","sentiment_score":0.13698020577430725}],"sentiment":"neutral","sentiment_score":0.06677585589932278,"num_words":64,"start":831.5,"end":852.41},{"sentences":[{"text":"So update everything.","start":853.51,"end":854.73,"sentiment":"neutral","sentiment_score":0.0732891708612442},{"text":"New plan.","start":855.19,"end":856.01,"sentiment":"neutral","sentiment_score":0.037017980590462685},{"text":"Like I said, that review pack I've sent through to you, it has the sorry.","start":856.79,"end":862.17,"sentiment":"neutral","sentiment_score":0.011056062206625939},{"text":"Third party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail.","start":863.19,"end":874.745,"sentiment":"neutral","sentiment_score":0.044654588955335126},{"text":"Perfect.","start":877.685,"end":878.185,"sentiment":"positive","sentiment_score":0.5081487894058228}],"sentiment":"neutral","sentiment_score":0.04515703609213233,"num_words":60,"start":853.51,"end":878.185},{"sentences":[{"text":"Alrighty.","start":879.045,"end":879.545,"sentiment":"positive","sentiment_score":0.4337444007396698},{"text":"Nice and easy there.","start":880.36,"end":881.39996,"sentiment":"positive","sentiment_score":0.6123964786529541},{"text":"Let me go away and do the research and put that together for you.","start":881.39996,"end":884.45996,"sentiment":"positive","sentiment_score":0.3560179706130709},{"text":"The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView.","start":884.92,"end":895.33997,"sentiment":"neutral","sentiment_score":0.05723532547633494},{"text":"That'll continue.","start":896.165,"end":896.985,"sentiment":"neutral","sentiment_score":0.0722019374370575}],"sentiment":"neutral","sentiment_score":0.18819770901105726,"num_words":52,"start":879.045,"end":896.985},{"sentences":[{"text":"There's no changes so far.","start":897.765,"end":899.385,"sentiment":"neutral","sentiment_score":0.034689387679100035},{"text":"When we get to next year, have come up with a bit of a tiered fee structure.","start":899.765,"end":905.065,"sentiment":"neutral","sentiment_score":0.05573658951941658},{"text":"So everybody who's above 200,000 will start to get some discounts as well.","start":905.365,"end":909.12,"sentiment":"neutral","sentiment_score":0.0711817151078811},{"text":"Through Hub twenty four as well.","start":909.12,"end":920.1867,"sentiment":"neutral","sentiment_score":0.10402202730377515},{"text":"Okay.","start":920.1867,"end":920.2134,"sentiment":"neutral","sentiment_score":0.0860791802406311}],"sentiment":"neutral","sentiment_score":0.06563196668312662,"num_words":42,"start":897.765,"end":920.2134},{"sentences":[{"text":"So, yeah, you're already getting that family fee linking through Hub twenty four as well.","start":920.2134,"end":922.835,"sentiment":"neutral","sentiment_score":0.13705216646194457},{"text":"Beautiful.","start":925.375,"end":925.875,"sentiment":"positive","sentiment_score":0.4154857397079468},{"text":"Alright.","start":926.015,"end":926.335,"sentiment":"neutral","sentiment_score":0.14856432378292084},{"text":"Any questions for me, sir, before I let you go?","start":926.335,"end":928.515,"sentiment":"neutral","sentiment_score":0.05982114188373089},{"text":"Awesome.","start":931.775,"end":932.175,"sentiment":"positive","sentiment_score":0.4118647575378418}],"sentiment":"neutral","sentiment_score":0.12963959774268524,"num_words":28,"start":920.2134,"end":932.175},{"sentences":[{"text":"Look.","start":932.175,"end":932.335,"sentiment":"neutral","sentiment_score":0.09683948755264282},{"text":"I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans.","start":932.335,"end":940.13,"sentiment":"positive","sentiment_score":0.753262456258138},{"text":"Amazing.","start":942.75,"end":943.25,"sentiment":"positive","sentiment_score":0.8733052015304565},{"text":"Have a great day, mate.","start":943.55,"end":944.50995,"sentiment":"positive","sentiment_score":0.826362419128418},{"text":"Thank you so much.","start":944.50995,"end":945.49,"sentiment":"positive","sentiment_score":0.8576462417840958}],"sentiment":"positive","sentiment_score":0.7592784253562369,"num_words":41,"start":932.175,"end":945.49}]}}]},{"alternatives":[{"transcript":"Hello? Good, mate. How are you? Yes. Yeah. We'll just work for it. Yep. 05/10/1990, and address is 29 McLeigh Circuit, Upper Kuma. No. Nothing in particular. Yeah. Yeah. Yep. Yeah. That's fine. Okay. Yeah. Okay. Did you could you hear that? Oh, okay. Kylie's Kylie's in the background here. I've heard. She said you should have answers that she gave us about the house. I think the house would be valued out a little bit more. I think that one point one valuation might be a bit billed. Yeah. No. No Jet Ski. We sold it. No. Yep. Yep. Yes. Yep. Yeah. Because I think we did that before we have the second charge. So I'm assuming we just split it between the two. Yep. Yes. Mhmm. Yep. Yes. Yep. It does. Yeah. Yeah. Okay. Yep. Okay. Yep. No. Probably not. You can trim down. And, well, does it make much of a difference to repayments by trimming it down? Okay. Oh, yeah. Do that then. Yeah. Yep. Okay. Yeah. Yep. Okay. Yeah. Yeah. Okay. Right. Yep. Yes. Right. Right. Yep. Yes. Okay. Yep. Okay. Yep. No. I'm I'm open to it. I'll have a look at it. Yeah. Nope. All makes sense. Yep. Nope. All good. Okay. That sounds good. Okay. Yeah. That's fine. Yep. Fantastic. Yep. Okay. Okay. Perfect. No. I'm all good. Thank you. Yep. Lovely. Okay. Thank you, mate. You too. See you. 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Good, mate. How are you? Yes. Yeah.\n\nWe'll just work for it. Yep. 05/10/1990, and address is 29 McLeigh Circuit, Upper Kuma. No. Nothing in particular.\n\nYeah. Yeah. Yep. Yeah. That's fine.\n\nOkay. Yeah. Okay. Did you could you hear that? Oh, okay.\n\nKylie's Kylie's in the background here. I've heard. She said you should have answers that she gave us about the house. I think the house would be valued out a little bit more. I think that one point one valuation might be a bit billed.\n\nYeah. No. No Jet Ski. We sold it. No.\n\nYep. Yep. Yes. Yep. Yeah.\n\nBecause I think we did that before we have the second charge. So I'm assuming we just split it between the two. Yep. Yes. Mhmm.\n\nYep. Yes. Yep. It does. Yeah.\n\nYeah. Okay. Yep. Okay. Yep.\n\nNo. Probably not. You can trim down. And, well, does it make much of a difference to repayments by trimming it down? Okay.\n\nOh, yeah. Do that then. Yeah. Yep. Okay.\n\nYeah. Yep. Okay. Yeah. Yeah.\n\nOkay. Right. Yep. Yes. Right.\n\nRight. Yep. Yes. Okay. Yep.\n\nOkay. Yep. No. I'm I'm open to it. I'll have a look at it.\n\nYeah. Nope. All makes sense. Yep. Nope.\n\nAll good. Okay. That sounds good. Okay. Yeah.\n\nThat's fine. Yep. Fantastic. Yep. Okay.\n\nOkay. Perfect. No. I'm all good. Thank you.\n\nYep. Lovely. Okay. Thank you, mate. You too.\n\nSee you. 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here.","start":180.64,"end":182.88,"sentiment":"neutral","sentiment_score":-0.001574143534526229},{"text":"I've heard.","start":182.88,"end":183.54001,"sentiment":"neutral","sentiment_score":-0.005205066408962011},{"text":"She said you should have answers that she gave us about the house.","start":183.76001,"end":187.20001,"sentiment":"neutral","sentiment_score":-0.004293676609030137},{"text":"I think the house would be valued out a little bit more.","start":187.20001,"end":189.36,"sentiment":"neutral","sentiment_score":-0.021238580346107483},{"text":"I think that one point one valuation might be a bit 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it.","start":216.71,"end":217.61,"sentiment":"neutral","sentiment_score":-0.025485210120677948},{"text":"No.","start":218.23,"end":218.73,"sentiment":"neutral","sentiment_score":0.025691283866763115}],"sentiment":"neutral","sentiment_score":-0.009434434481792979,"num_words":9,"start":209.43001,"end":218.73},{"sentences":[{"text":"Yep.","start":229.085,"end":229.585,"sentiment":"neutral","sentiment_score":0.06412646174430847},{"text":"Yep.","start":248.575,"end":249.075,"sentiment":"neutral","sentiment_score":0.16802482306957245},{"text":"Yes.","start":259.87997,"end":260.37997,"sentiment":"neutral","sentiment_score":0.03988189622759819},{"text":"Yep.","start":264.84,"end":265.34,"sentiment":"neutral","sentiment_score":0.06485503911972046},{"text":"Yeah.","start":269.8,"end":270.19998,"sentiment":"neutral","sentiment_score":0.0211452879011631}],"sentiment":"neutral","sentiment_score":0.07160670161247254,"num_words":5,"start":229.085,"end":270.19998},{"sentences":[{"text":"Because I think we did that before we have the second charge.","start":270.19998,"end":273.0,"sentiment":"neutral","sentiment_score":0.02107004743690292},{"text":"So I'm assuming we just split it between the two.","start":273.0,"end":282.645,"sentiment":"neutral","sentiment_score":0.020115925557911397},{"text":"Yep.","start":282.645,"end":283.145,"sentiment":"neutral","sentiment_score":0.31926557421684265},{"text":"Yes.","start":294.75,"end":295.25,"sentiment":"neutral","sentiment_score":0.16426542401313782},{"text":"Mhmm.","start":304.03,"end":304.53,"sentiment":"neutral","sentiment_score":0.007383360993117094}],"sentiment":"neutral","sentiment_score":0.03779656736180186,"num_words":25,"start":270.19998,"end":304.53},{"sentences":[{"text":"Yep.","start":319.555,"end":320.055,"sentiment":"neutral","sentiment_score":0.0007442981004714966},{"text":"Yes.","start":320.91,"end":321.41,"sentiment":"neutral","sentiment_score":0.02873813360929489},{"text":"Yep.","start":331.63,"end":332.13,"sentiment":"neutral","sentiment_score":0.03189229965209961},{"text":"It does.","start":334.91,"end":335.57,"sentiment":"neutral","sentiment_score":0.08198662474751472},{"text":"Yeah.","start":352.7,"end":353.2,"sentiment":"neutral","sentiment_score":0.0241534486413002}],"sentiment":"neutral","sentiment_score":0.04158357158303261,"num_words":6,"start":319.555,"end":353.2},{"sentences":[{"text":"Yeah.","start":364.86,"end":365.235,"sentiment":"neutral","sentiment_score":0.02907446026802063},{"text":"Okay.","start":371.235,"end":371.735,"sentiment":"neutral","sentiment_score":0.025578845292329788},{"text":"Yep.","start":374.835,"end":375.335,"sentiment":"neutral","sentiment_score":0.07823320478200912},{"text":"Okay.","start":392.15,"end":392.63,"sentiment":"neutral","sentiment_score":0.048203106969594955},{"text":"Yep.","start":392.63,"end":393.13,"sentiment":"neutral","sentiment_score":0.010073794983327389}],"sentiment":"neutral","sentiment_score":0.03823268245905638,"num_words":5,"start":364.86,"end":393.13},{"sentences":[{"text":"No.","start":420.75,"end":421.07,"sentiment":"neutral","sentiment_score":-0.08624407649040222},{"text":"Probably not.","start":421.07,"end":421.97,"sentiment":"neutral","sentiment_score":-0.10583726689219475},{"text":"You can trim down.","start":422.215,"end":433.675,"sentiment":"neutral","sentiment_score":-0.0018622837960720097},{"text":"And, well, does it make much of a difference to repayments by trimming it down?","start":433.815,"end":438.93,"sentiment":"neutral","sentiment_score":0.07667208711306255},{"text":"Okay.","start":459.095,"end":459.595,"sentiment":"neutral","sentiment_score":0.11344866454601288}],"sentiment":"neutral","sentiment_score":0.04165922720795092,"num_words":23,"start":420.75,"end":459.595},{"sentences":[{"text":"Oh, yeah.","start":461.015,"end":461.495,"sentiment":"neutral","sentiment_score":0.18438075482845306},{"text":"Do that then.","start":461.495,"end":462.395,"sentiment":"neutral","sentiment_score":0.22858004768689474},{"text":"Yeah.","start":467.04,"end":467.54,"sentiment":"neutral","sentiment_score":0.23882603645324707},{"text":"Yep.","start":486.01498,"end":486.51498,"sentiment":"neutral","sentiment_score":0.14904740452766418},{"text":"Okay.","start":491.11002,"end":491.61002,"sentiment":"neutral","sentiment_score":0.06794756650924683}],"sentiment":"neutral","sentiment_score":0.18879033252596855,"num_words":8,"start":461.015,"end":491.61002},{"sentences":[{"text":"Yeah.","start":501.51,"end":502.01,"sentiment":"neutral","sentiment_score":0.04791010916233063},{"text":"Yep.","start":506.745,"end":507.245,"sentiment":"neutral","sentiment_score":0.1009574979543686},{"text":"Okay.","start":515.55,"end":516.05,"sentiment":"neutral","sentiment_score":0.10046559572219849},{"text":"Yeah.","start":524.43,"end":524.93,"sentiment":"neutral","sentiment_score":0.07369136810302734},{"text":"Yeah.","start":528.43,"end":528.93,"sentiment":"neutral","sentiment_score":0.14595186710357666}],"sentiment":"neutral","sentiment_score":0.09379528760910034,"num_words":5,"start":501.51,"end":528.93},{"sentences":[{"text":"Okay.","start":542.525,"end":543.025,"sentiment":"neutral","sentiment_score":0.07534635066986084},{"text":"Right.","start":552.87006,"end":553.37006,"sentiment":"neutral","sentiment_score":0.03658432513475418},{"text":"Yep.","start":571.315,"end":571.59,"sentiment":"neutral","sentiment_score":0.2093300074338913},{"text":"Yes.","start":578.07,"end":578.57,"sentiment":"neutral","sentiment_score":0.11733531951904295},{"text":"Right.","start":591.125,"end":591.625,"sentiment":"neutral","sentiment_score":-0.1841044723987579}],"sentiment":"neutral","sentiment_score":0.05089830607175827,"num_words":5,"start":542.525,"end":591.625},{"sentences":[{"text":"Right.","start":603.72003,"end":604.22003,"sentiment":"neutral","sentiment_score":-0.06870217621326447},{"text":"Yep.","start":628.58997,"end":629.08997,"sentiment":"neutral","sentiment_score":0.056992530822753906},{"text":"Yes.","start":639.47,"end":639.97,"sentiment":"neutral","sentiment_score":-0.01745453104376793},{"text":"Okay.","start":647.745,"end":648.245,"sentiment":"neutral","sentiment_score":0.07078832387924194},{"text":"Yep.","start":663.11,"end":663.61,"sentiment":"neutral","sentiment_score":0.09307526051998138}],"sentiment":"neutral","sentiment_score":0.02693988159298897,"num_words":5,"start":603.72003,"end":663.61},{"sentences":[{"text":"Okay.","start":678.235,"end":678.735,"sentiment":"neutral","sentiment_score":0.19125869870185852},{"text":"Yep.","start":712.3,"end":712.8,"sentiment":"neutral","sentiment_score":0.21086399257183075},{"text":"No.","start":746.45,"end":746.85004,"sentiment":"neutral","sentiment_score":-0.04238979145884514},{"text":"I'm I'm open to it.","start":746.85004,"end":747.73004,"sentiment":"neutral","sentiment_score":0.05700298794545233},{"text":"I'll have a look at it.","start":747.73004,"end":749.03,"sentiment":"neutral","sentiment_score":0.117119995256265}],"sentiment":"neutral","sentiment_score":0.09624770079140685,"num_words":14,"start":678.235,"end":749.03},{"sentences":[{"text":"Yeah.","start":763.885,"end":764.385,"sentiment":"neutral","sentiment_score":0.09644459933042526},{"text":"Nope.","start":773.52997,"end":773.85,"sentiment":"neutral","sentiment_score":0.05252118036150932},{"text":"All makes sense.","start":773.85,"end":774.82996,"sentiment":"neutral","sentiment_score":0.13508322338263193},{"text":"Yep.","start":808.48004,"end":808.88,"sentiment":"neutral","sentiment_score":0.10101692378520966},{"text":"Nope.","start":808.88,"end":809.38,"sentiment":"neutral","sentiment_score":0.19314730167388916}],"sentiment":"neutral","sentiment_score":0.1211970964712756,"num_words":7,"start":763.885,"end":809.38},{"sentences":[{"text":"All good.","start":810.0,"end":810.585,"sentiment":"positive","sentiment_score":0.536224752664566},{"text":"Okay.","start":825.305,"end":825.78503,"sentiment":"neutral","sentiment_score":0.2951735258102417},{"text":"That sounds good.","start":825.78503,"end":826.53,"sentiment":"positive","sentiment_score":0.5304858386516571},{"text":"Okay.","start":848.575,"end":848.97504,"sentiment":"neutral","sentiment_score":0.07202569395303726},{"text":"Yeah.","start":848.97504,"end":849.29504,"sentiment":"neutral","sentiment_score":0.09655608236789703}],"sentiment":"positive","sentiment_score":0.3909577904269099,"num_words":8,"start":810.0,"end":849.29504},{"sentences":[{"text":"That's fine.","start":849.29504,"end":850.03503,"sentiment":"neutral","sentiment_score":0.19460467994213104},{"text":"Yep.","start":875.305,"end":875.805,"sentiment":"neutral","sentiment_score":0.19197547435760495},{"text":"Fantastic.","start":876.825,"end":877.325,"sentiment":"positive","sentiment_score":0.5019945502281189},{"text":"Yep.","start":884.69,"end":885.19,"sentiment":"neutral","sentiment_score":0.09507806599140169},{"text":"Okay.","start":905.835,"end":906.335,"sentiment":"neutral","sentiment_score":0.06553401798009872}],"sentiment":"neutral","sentiment_score":0.20729857807358107,"num_words":6,"start":849.29504,"end":906.335},{"sentences":[{"text":"Okay.","start":910.715,"end":911.195,"sentiment":"neutral","sentiment_score":0.1251423805952072},{"text":"Perfect.","start":911.195,"end":911.695,"sentiment":"neutral","sentiment_score":0.20429302752017975},{"text":"No.","start":928.845,"end":929.165,"sentiment":"neutral","sentiment_score":-0.014198541641235352},{"text":"I'm all good.","start":929.165,"end":929.96497,"sentiment":"neutral","sentiment_score":0.15167147914568582},{"text":"Thank you.","start":929.96497,"end":930.70496,"sentiment":"positive","sentiment_score":0.39689014852046967}],"sentiment":"neutral","sentiment_score":0.19550395011901855,"num_words":8,"start":910.715,"end":930.70496},{"sentences":[{"text":"Yep.","start":940.365,"end":940.865,"sentiment":"positive","sentiment_score":0.44006818532943726},{"text":"Lovely.","start":941.005,"end":941.505,"sentiment":"positive","sentiment_score":0.7744671106338501},{"text":"Okay.","start":941.93695,"end":942.17694,"sentiment":"positive","sentiment_score":0.6037991046905518},{"text":"Thank you, mate.","start":942.17694,"end":943.157,"sentiment":"positive","sentiment_score":0.8181885480880737},{"text":"You too.","start":945.13696,"end":945.777,"sentiment":"positive","sentiment_score":0.5789780914783478}],"sentiment":"positive","sentiment_score":0.6788570284843445,"num_words":8,"start":940.365,"end":945.777},{"sentences":[{"text":"See you.","start":945.777,"end":946.25696,"sentiment":"positive","sentiment_score":0.5363312363624573},{"text":"Bye.","start":946.25696,"end":946.75696,"sentiment":"neutral","sentiment_score":-0.12135183811187744}],"sentiment":"neutral","sentiment_score":0.3171035448710124,"num_words":3,"start":945.777,"end":946.75696}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Joe, good afternoon, sir. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: I'm having an absolutely fantastic week. Great to hear. Mate, I'm just gonna go through an annual review with you. Do you have a bit of time for me?\n\nChannel 1: Yes.\n\nChannel 0: Amazing. Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you. Will you better look on to the email with me today, or should I just walk you through what's coming by?\n\nChannel 1: Yeah. We'll just work for it.\n\nChannel 0: Yep. Easy done. And just for security of your account, mate, could I please confirm your date of birth and address?\n\nChannel 1: Yep. 05/10/1990, and address is 29 McLeigh Circuit, Upper Kuma.\n\nChannel 0: Sensational. Thank you for that, mate. And I'm registered with Aspik as adviser one 273105. Now, Joe, there's quite a few things I want to run by you today. But before I jump into it, anything in particular you would like to focus on for this review?\n\nChannel 1: No. Nothing in particular.\n\nChannel 0: Amazing. So I'm gonna pop that through just so you've got it there. It's just a number of in the review pack, we've got the, like, performance sheets, certificates for the insurance, updated service guides with Oakview. And one thing I wanted to run by you as well, so I'm just gonna update a couple of details, touch on the goals that I was speaking to Kaylee about, make sure you guys are both aligned, and then just\n\nChannel 1: Yeah.\n\nChannel 0: kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information. I\n\nChannel 1: Yep.\n\nChannel 0: did prepare one of those authorities today, but I just wanted to run it by you if that's something you'd be interested in.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Perfect. Perfect. Alrighty. So that'll go through there as well.\n\nNow just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them.\n\nChannel 1: Okay.\n\nChannel 0: Cool. So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures. Home valued at about 1.1 mil and the updated loans of about 756,000. And the investment property, that's $6.90 value, $6.39 owing. Does that sound about right to you?\n\nChannel 1: Yeah. Okay. Did you could you hear that?\n\nChannel 0: Only a little bit. I did miss\n\nChannel 1: Oh,\n\nChannel 0: it.\n\nChannel 1: okay. Kylie's Kylie's in the background here. I've heard. She said you should have answers that she gave us about the house. I think the house would be valued out a little bit more.\n\nI\n\nChannel 0: Yep.\n\nChannel 1: think\n\nChannel 0: Awesome.\n\nChannel 1: that one point\n\nChannel 0: So I've\n\nChannel 1: one\n\nChannel 0: got\n\nChannel 1: valuation\n\nChannel 0: all those answers.\n\nChannel 1: might be a bit billed.\n\nChannel 0: Bit low. Yep. Okay. So that's the 1.2. Beautiful.\n\nAnd then again, so we've got the company owned vehicle for you, and then we did note down with Paley, you guys got solar and jet ski as well.\n\nChannel 1: Yeah. No. No Jet Ski.\n\nChannel 0: Beautiful.\n\nChannel 1: We\n\nChannel 0: No\n\nChannel 1: sold\n\nChannel 0: jet\n\nChannel 1: it.\n\nChannel 0: ski. Okay.\n\nChannel 1: No.\n\nChannel 0: So perfect. Alrighty. Outside of that, when it comes to the income side of things, so you're in sales with CDK Stone,\n\nChannel 1: Yep.\n\nChannel 0: we had you at about a 157,000, but then you're getting commissions of about 15 to 20 on top of that. Perfect. Alrighty. Couple of easy ones to start with. So I believe you guys have already updated, like, your your will as far as estate planning goes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now for the beneficiary nomination, so Kaylee has listed for the fees of life insurance with Neos, but I do know that you guys have two children as well.\n\nChannel 1: Yes.\n\nChannel 0: But Lila is listed as your beneficiary for hub twenty four for the super.\n\nChannel 1: Yep.\n\nChannel 0: Do you want me to update that at all?\n\nChannel 1: Yeah. Because I think we did that before we have the second charge. So I'm assuming we just split it between\n\nChannel 0: Yep. Okay. Split between the two. And the life insurance still okay. Just go to Hailey Direct.\n\nChannel 1: the two. Yep.\n\nChannel 0: Fantastic. I got the address and everything updated, so that's amazing. Email address, your Gmail still okay for documentation?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. Perfect. Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do\n\nChannel 1: Mhmm.\n\nChannel 0: note that most of it had been withdrawn. There's about $10 in there. It had some pretty solid growth of about 13%. So our discussion was essentially just to kind of leave that alone because you guys have a lot of, like, cash flow priorities at the moment, and to\n\nChannel 1: Yep.\n\nChannel 0: kind of come back to that\n\nChannel 1: Yes.\n\nChannel 0: once you've kind of handled your other goals, which is really just about pulling funds into the offset account and then just going for another over the next one to five years.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound about right?\n\nChannel 1: It does.\n\nChannel 0: Perfect. Perfect. So the same thing I mentioned to Kaylee is I'm not sending through any service agreements for the investment account because it is $10,000. I don't wanna charge any fees out of it. I'll just kind of let it grow on its own, and then at each review, I'll kind of revisit it\n\nChannel 1: Yeah.\n\nChannel 0: it. Perfect. When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance. You've\n\nChannel 1: Yeah.\n\nChannel 0: got the trauma insurance out of pocket and a little bit of an income protection definition just to get that\n\nChannel 1: Okay.\n\nChannel 0: extra definition. Most of it's all through the super.\n\nChannel 1: Yep.\n\nChannel 0: Now you've got a thirty day waiting period. So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now just based on what you're saying before for your income, so it's protecting an income of about a 191,000. So if you're sitting at $1.57 and you get about $20 worth of commissions on top, you're a tiny bit over insured for that one, but it's pretty close to the mark. So I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year.\n\nChannel 1: No. Probably not. You can trim\n\nChannel 0: Perfect. Now I can either trim it down to your full income or just that $1.57 base.\n\nChannel 1: down. And, well, does it make much of a difference to repayments by trimming it down?\n\nChannel 0: It'll chop off a good few 100. It'll let me just have a look at the current premium on that one. Life Income protection. So it'll probably go down from about 1,900, yeah, to about 1,500, 1,600 there.\n\nChannel 1: Okay. Oh, yeah.\n\nChannel 0: Cool.\n\nChannel 1: Do\n\nChannel 0: So\n\nChannel 1: that\n\nChannel 0: that'll\n\nChannel 1: then.\n\nChannel 0: help a little bit. Yep. Perfect. I'll I'll do a bit of an alteration quote with Neil, and I'll\n\nChannel 1: Yeah.\n\nChannel 0: get that through to you as well. Beautiful. Alrighty. Now when it comes to the superannuation, so I'm doing a bit of an updated portfolio for Kaylee at the moment. Again, I'm not touching the investment account because it's kind of doing its thing pretty, pretty well.\n\nBut I\n\nChannel 1: Yep.\n\nChannel 0: wanted to really deep dive into yours today if that's alright.\n\nChannel 1: Okay.\n\nChannel 0: Now when it comes to yours, you're in what's essentially called an aggressive risk profile. So it's kind of like all of your supers in growth asset. There's\n\nChannel 1: Yeah.\n\nChannel 0: property, gold. You're trying to get like the highest long term returns kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark\n\nChannel 1: Okay.\n\nChannel 0: for return, and their high growth funds are kind of hitting 12%. And what you're kind of aiming for is above\n\nChannel 1: Yeah.\n\nChannel 0: that. So about 14 to 16%.\n\nChannel 1: Yeah.\n\nChannel 0: Now your super over the last twelve months, I've just got an updated chart here. So it's gone from 94,000. We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000.\n\nChannel 1: Okay.\n\nChannel 0: Now that's mainly due to your contributions, which has been pretty good. The actual investment returns have been a little bit flat this year.\n\nChannel 1: Right.\n\nChannel 0: Now what's essentially happening is I've done a bit of a deep dive on it. You've got around about eight different investment options here, eight or nine. Most of them have had really strong double digit. So most of your your top performers for you have been\n\nChannel 1: Yep.\n\nChannel 0: the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles. And they're\n\nChannel 1: Yes.\n\nChannel 0: all up like 35, 42%. Everything else is pretty much about 10 to 13% mark. The one that's had a bit of a drop is your Benelon Australian shares. That\n\nChannel 1: Right.\n\nChannel 0: one's actually kind of got off in a really bad direction, and it's not keeping up with the Australian market nor is it keeping up with the other Australian options that are out there.\n\nChannel 1: Right.\n\nChannel 0: So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options. I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark.\n\nChannel 1: Yep.\n\nChannel 0: The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to bed,\n\nChannel 1: Yes.\n\nChannel 0: Sevi and Bart have kind of come up with something called an SMA, separately managed account structure. Now\n\nChannel 1: Okay.\n\nChannel 0: what I wanna kind of tell you about that as an option to consider, if you would consider it, is what we can do is put a bubble around your portfolio. We can move it over to the core menu within Hub 24, which is a bit lower fee.\n\nChannel 1: Yep.\n\nChannel 0: Normally, in the call menu, you have less investment options. But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu.\n\nChannel 1: Okay.\n\nChannel 0: Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up. In this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis. So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document.\n\nChannel 1: Yep.\n\nChannel 0: Now to kind of tie that back, you don't have to decide today. I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%. And if I just engine tune up the portfolio, you're looking at 16%. So I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise?\n\nChannel 1: No. I'm I'm open to it. I'll have a look at it.\n\nChannel 0: Perfect. So what I'll do is in the document, I'm basically gonna say this is your current portfolio. This is the bubble that we're looking at, and I'll put the other portfolio in there as an alternative so you can see all three of them compared against each\n\nChannel 1: Yeah.\n\nChannel 0: other. Perfect. I know that's kind of a bit of an info done back to you straight away over the phone, but any questions on that so far?\n\nChannel 1: Nope. All makes sense.\n\nChannel 0: Perfect. So at this point, what I'm basically looking to do is leave the insurances alone, but a bit of a trim down on the income protection. We'll look at the different portfolios for the super, leave the investment account alone, update your beneficiary for super to be split between the two kids, and you guys all have the wills and everything updated. Perfect. Alrighty.\n\nSo that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do. Any questions on that so far?\n\nChannel 1: Yep. Nope. All good.\n\nChannel 0: Amazing. All good. So you can let Kelly know that I've pretty much got that document off the word very, very soon. Just dotting a few i's and t's on there. And then for your one, I should have that done within about a week or two.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Cool. Now I am going away for just a little bit of leave. I just had a baby recently, so I'll be off for the middle of August. So I'll try and get you booked in before I go. But if I'm away and it just gets finished, I'm gonna get one of the other advisers just to run through that plan with you just so you don't have to wait until I get back.\n\nChannel 1: Okay. Yeah. That's fine.\n\nChannel 0: Cool. Alrighty. So update everything. New plan. Like I said, that review pack I've sent through to you, it has the sorry.\n\nThird party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail.\n\nChannel 1: Yep. Fantastic.\n\nChannel 0: Perfect. Alrighty. Nice and easy there. Let me go away and do the research and put that together for you.\n\nChannel 1: Yep.\n\nChannel 0: The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView. That'll continue. There's no changes so far. When we get to next year, have come up with a bit of a tiered fee structure. So everybody\n\nChannel 1: Okay.\n\nChannel 0: who's above 200,000 will start to get some discounts as well. Through\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Hub twenty four as well. Okay. So, yeah, you're already getting that family fee linking through Hub twenty four as well. Beautiful. Alright.\n\nAny questions for me, sir, before I let you go?\n\nChannel 1: No. I'm all good. Thank you.\n\nChannel 0: Awesome. Look. I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans.\n\nChannel 1: Yep. Lovely. Okay. Thank you, mate.\n\nChannel 0: Amazing. Have a great day, mate. Thank you so much.\n\nChannel 1: You too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.05983030050992966}],"sentiment":"neutral","sentiment_score":0.05983030050992966,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Joe, good afternoon, sir.","start":2.72,"end":4.0,"sentiment":"neutral","sentiment_score":0.3317550905048847},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.94,"sentiment":"neutral","sentiment_score":0.20986432830492655},{"text":"How are you doing?","start":6.0,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18900106102228165}],"sentiment":"neutral","sentiment_score":0.23872932685273035,"channel":0,"num_words":14,"start":2.72,"end":6.8999996},{"sentences":[{"text":"Good, mate.","start":7.2,"end":7.68,"sentiment":"positive","sentiment_score":0.49700842797756195},{"text":"How are you?","start":7.68,"end":8.42,"sentiment":"positive","sentiment_score":0.3534240424633026}],"sentiment":"positive","sentiment_score":0.41085779666900635,"channel":1,"num_words":5,"start":7.2,"end":8.42},{"sentences":[{"text":"I'm having an absolutely fantastic week.","start":9.04,"end":11.599999,"sentiment":"positive","sentiment_score":0.8283732235431671},{"text":"Great to hear.","start":11.599999,"end":12.315,"sentiment":"positive","sentiment_score":0.8487202922503153},{"text":"Mate, I'm just gonna go through an annual review with you.","start":12.554999,"end":15.355,"sentiment":"neutral","sentiment_score":0.2542308135466142},{"text":"Do you have a bit of time for me?","start":15.355,"end":16.974998,"sentiment":"neutral","sentiment_score":0.08823958618773355}],"sentiment":"positive","sentiment_score":0.38300329112801057,"channel":0,"num_words":29,"start":9.04,"end":16.974998},{"sentences":[{"text":"Yes.","start":17.865,"end":18.365,"sentiment":"neutral","sentiment_score":0.29843777418136597}],"sentiment":"neutral","sentiment_score":0.29843777418136597,"channel":1,"num_words":1,"start":17.865,"end":18.365},{"sentences":[{"text":"Amazing.","start":19.515,"end":20.015,"sentiment":"positive","sentiment_score":0.4938499927520752},{"text":"Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you.","start":20.234999,"end":24.154999,"sentiment":"neutral","sentiment_score":0.17879449836909772},{"text":"Will you better look on to the email with me today, or should I just walk you through what's coming by?","start":24.154999,"end":28.89,"sentiment":"neutral","sentiment_score":0.09164030495144072}],"sentiment":"neutral","sentiment_score":0.14271872295510202,"channel":0,"num_words":42,"start":19.515,"end":28.89},{"sentences":[{"text":"Yeah.","start":31.050001,"end":31.45,"sentiment":"neutral","sentiment_score":0.08118689805269241},{"text":"We'll just work for it.","start":31.45,"end":32.75,"sentiment":"neutral","sentiment_score":0.14417073875665665}],"sentiment":"neutral","sentiment_score":0.1336734319726626,"channel":1,"num_words":6,"start":31.050001,"end":32.75},{"sentences":[{"text":"Yep.","start":33.35,"end":33.75,"sentiment":"neutral","sentiment_score":0.1692207157611847},{"text":"Easy done.","start":33.75,"end":34.65,"sentiment":"neutral","sentiment_score":0.3055187463760376},{"text":"And just for security of your account, mate, could I please confirm your date of birth and address?","start":34.87,"end":39.29,"sentiment":"neutral","sentiment_score":0.07528117878569497}],"sentiment":"neutral","sentiment_score":0.10168187745979854,"channel":0,"num_words":21,"start":33.35,"end":39.29},{"sentences":[{"text":"Yep.","start":39.77,"end":40.09,"sentiment":"neutral","sentiment_score":0.01158839464187622},{"text":"05/10/1990, and address is 29 McLeigh Circuit, Upper Kuma.","start":40.09,"end":45.385002,"sentiment":"neutral","sentiment_score":0.025050628205968276}],"sentiment":"neutral","sentiment_score":0.023704404849559067,"channel":1,"num_words":10,"start":39.77,"end":45.385002},{"sentences":[{"text":"Sensational.","start":46.234997,"end":46.734997,"sentiment":"neutral","sentiment_score":0.16931702196598053},{"text":"Thank you for that, mate.","start":47.034996,"end":47.835,"sentiment":"positive","sentiment_score":0.6138583302497864},{"text":"And I'm registered with Aspik as adviser one 273105.","start":47.835,"end":51.774998,"sentiment":"neutral","sentiment_score":0.26961424118942684},{"text":"Now, Joe, there's quite a few things I want to run by you today.","start":51.995,"end":55.7,"sentiment":"neutral","sentiment_score":0.14400893503001758},{"text":"But before I jump into it, anything in particular you would like to focus on for this review?","start":56.08,"end":60.58,"sentiment":"neutral","sentiment_score":0.05896409663061301}],"sentiment":"neutral","sentiment_score":0.18601309944023478,"channel":0,"num_words":47,"start":46.234997,"end":60.58},{"sentences":[{"text":"No.","start":62.05,"end":62.29,"sentiment":"neutral","sentiment_score":-0.08750911056995392},{"text":"Nothing in 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just","start":77.575,"end":88.39,"sentiment":"neutral","sentiment_score":0.16674685023906755}],"sentiment":"neutral","sentiment_score":0.19034452841450006,"channel":0,"num_words":78,"start":64.56,"end":88.39},{"sentences":[{"text":"Yeah.","start":88.18,"end":88.68,"sentiment":"neutral","sentiment_score":0.06297970563173294}],"sentiment":"neutral","sentiment_score":0.06297970563173294,"channel":1,"num_words":1,"start":88.18,"end":88.68},{"sentences":[{"text":"kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with.","start":88.39,"end":94.09,"sentiment":"neutral","sentiment_score":0.11027815452088481}],"sentiment":"neutral","sentiment_score":0.11027815452088481,"channel":0,"num_words":23,"start":88.39,"end":94.09},{"sentences":[{"text":"Yeah.","start":94.58,"end":95.08,"sentiment":"neutral","sentiment_score":0.09697534143924712}],"sentiment":"neutral","sentiment_score":0.09697534143924712,"channel":1,"num_words":1,"start":94.58,"end":95.08},{"sentences":[{"text":"Alright.","start":96.549995,"end":96.95,"sentiment":"neutral","sentiment_score":0.09445720911026},{"text":"Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of 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because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them.","start":130.005,"end":140.02501,"sentiment":"neutral","sentiment_score":0.1844922587275505}],"sentiment":"neutral","sentiment_score":0.1844922587275505,"channel":0,"num_words":40,"start":130.005,"end":140.02501},{"sentences":[{"text":"Okay.","start":140.60501,"end":141.10501,"sentiment":"neutral","sentiment_score":0.22676850855350497}],"sentiment":"neutral","sentiment_score":0.22676850855350497,"channel":1,"num_words":1,"start":140.60501,"end":141.10501},{"sentences":[{"text":"Cool.","start":142.085,"end":142.56,"sentiment":"neutral","sentiment_score":0.22660011053085327},{"text":"So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures.","start":142.64,"end":150.26,"sentiment":"neutral","sentiment_score":0.10660701685331085},{"text":"Home valued at about 1.1 mil and the updated loans of about 756,000.","start":151.12,"end":157.275,"sentiment":"neutral","sentiment_score":0.0787490910062423},{"text":"And the investment property, that's $6.90 value, $6.39 owing.","start":157.97499,"end":163.255,"sentiment":"neutral","sentiment_score":0.06873895890182918},{"text":"Does that sound about right to you?","start":163.255,"end":165.19499,"sentiment":"neutral","sentiment_score":0.0741279763834817}],"sentiment":"neutral","sentiment_score":0.09102382940741685,"channel":0,"num_words":52,"start":142.085,"end":165.19499},{"sentences":[{"text":"Yeah.","start":168.665,"end":169.165,"sentiment":"neutral","sentiment_score":0.026402801275253296},{"text":"Okay.","start":174.345,"end":174.845,"sentiment":"neutral","sentiment_score":0.01894718781113625},{"text":"Did you could you hear 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asset.","start":497.88498,"end":500.865,"sentiment":"neutral","sentiment_score":0.042857504139343895},{"text":"There's","start":501.16498,"end":501.645,"sentiment":"neutral","sentiment_score":0.02876676619052887}],"sentiment":"neutral","sentiment_score":0.03568084331761513,"channel":0,"num_words":28,"start":493.1,"end":501.645},{"sentences":[{"text":"Yeah.","start":501.51,"end":502.01,"sentiment":"neutral","sentiment_score":0.04791010916233063}],"sentiment":"neutral","sentiment_score":0.04791010916233063,"channel":1,"num_words":1,"start":501.51,"end":502.01},{"sentences":[{"text":"property, gold.","start":501.645,"end":502.865,"sentiment":"neutral","sentiment_score":0.08973126113414764},{"text":"You're trying to get like the highest long term returns kind of thing.","start":503.00497,"end":506.38498,"sentiment":"neutral","sentiment_score":0.10521921687401257}],"sentiment":"neutral","sentiment_score":0.10315415610869726,"channel":0,"num_words":15,"start":501.645,"end":506.38498},{"sentences":[{"text":"Yep.","start":506.745,"end":507.245,"sentiment":"neutral","sentiment_score":0.1009574979543686}],"sentiment":"neutral","sentiment_score":0.1009574979543686,"channel":1,"num_words":1,"start":506.745,"end":507.245},{"sentences":[{"text":"Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark","start":507.00497,"end":515.66003,"sentiment":"neutral","sentiment_score":0.1172312027935324}],"sentiment":"neutral","sentiment_score":0.1172312027935324,"channel":0,"num_words":29,"start":507.00497,"end":515.66003},{"sentences":[{"text":"Okay.","start":515.55,"end":516.05,"sentiment":"neutral","sentiment_score":0.10046559572219849}],"sentiment":"neutral","sentiment_score":0.10046559572219849,"channel":1,"num_words":1,"start":515.55,"end":516.05},{"sentences":[{"text":"for return, and their high growth funds are kind of hitting 12%.","start":515.66003,"end":520.16003,"sentiment":"neutral","sentiment_score":0.17128914097944895},{"text":"And what you're kind of aiming for is above","start":520.62,"end":523.515,"sentiment":"neutral","sentiment_score":0.11736287673314412}],"sentiment":"neutral","sentiment_score":0.14817788487388975,"channel":0,"num_words":21,"start":515.66003,"end":523.515},{"sentences":[{"text":"Yeah.","start":524.43,"end":524.93,"sentiment":"neutral","sentiment_score":0.07369136810302734}],"sentiment":"neutral","sentiment_score":0.07369136810302734,"channel":1,"num_words":1,"start":524.43,"end":524.93},{"sentences":[{"text":"that.","start":524.555,"end":524.715,"sentiment":"neutral","sentiment_score":0.02671034447848797},{"text":"So about 14 to 16%.","start":524.715,"end":527.53503,"sentiment":"neutral","sentiment_score":0.058010359108448026}],"sentiment":"neutral","sentiment_score":0.052793690003454685,"channel":0,"num_words":6,"start":524.555,"end":527.53503},{"sentences":[{"text":"Yeah.","start":528.43,"end":528.93,"sentiment":"neutral","sentiment_score":0.14595186710357666}],"sentiment":"neutral","sentiment_score":0.14595186710357666,"channel":1,"num_words":1,"start":528.43,"end":528.93},{"sentences":[{"text":"Now your super over the last twelve months, I've just got an updated chart here.","start":529.755,"end":533.275,"sentiment":"neutral","sentiment_score":0.13762235442797344},{"text":"So it's gone from 94,000.","start":533.275,"end":535.935,"sentiment":"neutral","sentiment_score":0.06673703938722611},{"text":"We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000.","start":536.235,"end":541.7,"sentiment":"neutral","sentiment_score":-0.1818144324828278}],"sentiment":"neutral","sentiment_score":-0.03814040479205903,"channel":0,"num_words":42,"start":529.755,"end":541.7},{"sentences":[{"text":"Okay.","start":542.525,"end":543.025,"sentiment":"neutral","sentiment_score":0.07534635066986084}],"sentiment":"neutral","sentiment_score":0.07534635066986084,"channel":1,"num_words":1,"start":542.525,"end":543.025},{"sentences":[{"text":"Now that's mainly due to your contributions, which has been pretty good.","start":544.24005,"end":548.32,"sentiment":"positive","sentiment_score":0.4580971412360668},{"text":"The actual investment returns have been a little bit flat this year.","start":548.32,"end":552.015,"sentiment":"neutral","sentiment_score":-0.31123469894131023}],"sentiment":"neutral","sentiment_score":0.07343122114737828,"channel":0,"num_words":24,"start":544.24005,"end":552.015},{"sentences":[{"text":"Right.","start":552.87006,"end":553.37006,"sentiment":"neutral","sentiment_score":0.03658432513475418}],"sentiment":"neutral","sentiment_score":0.03658432513475418,"channel":1,"num_words":1,"start":552.87006,"end":553.37006},{"sentences":[{"text":"Now what's essentially happening is I've done a bit of a deep dive on it.","start":554.335,"end":557.875,"sentiment":"neutral","sentiment_score":0.06524229496717453},{"text":"You've got around about eight different investment options here, eight or nine.","start":558.335,"end":563.395,"sentiment":"neutral","sentiment_score":0.07948668052752812},{"text":"Most of them have had really strong double digit.","start":563.935,"end":566.435,"sentiment":"neutral","sentiment_score":0.2053279628356298},{"text":"So most of your your top performers for you have been","start":567.34,"end":571.60004,"sentiment":"neutral","sentiment_score":0.2448864443735643}],"sentiment":"neutral","sentiment_score":0.13774844988229426,"channel":0,"num_words":47,"start":554.335,"end":571.60004},{"sentences":[{"text":"Yep.","start":571.315,"end":571.59,"sentiment":"neutral","sentiment_score":0.2093300074338913}],"sentiment":"neutral","sentiment_score":0.2093300074338913,"channel":1,"num_words":1,"start":571.315,"end":571.59},{"sentences":[{"text":"the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles.","start":571.82,"end":577.52,"sentiment":"neutral","sentiment_score":0.15201846549385473},{"text":"And they're","start":577.74005,"end":578.14,"sentiment":"neutral","sentiment_score":0.09143216162919998}],"sentiment":"neutral","sentiment_score":0.14624834131626857,"channel":0,"num_words":21,"start":571.82,"end":578.14},{"sentences":[{"text":"Yes.","start":578.07,"end":578.57,"sentiment":"neutral","sentiment_score":0.11733531951904295}],"sentiment":"neutral","sentiment_score":0.11733531951904295,"channel":1,"num_words":1,"start":578.07,"end":578.57},{"sentences":[{"text":"all up like 35, 42%.","start":578.14,"end":581.34503,"sentiment":"neutral","sentiment_score":0.13551813811063768},{"text":"Everything else is pretty much about 10 to 13% mark.","start":581.885,"end":585.425,"sentiment":"neutral","sentiment_score":0.012003802508115769},{"text":"The one that's had a bit of a drop is your Benelon Australian 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there.","start":591.325,"end":602.76,"sentiment":"negative","sentiment_score":-0.3730273325653637}],"sentiment":"negative","sentiment_score":-0.3730273325653637,"channel":0,"num_words":34,"start":591.325,"end":602.76},{"sentences":[{"text":"Right.","start":603.72003,"end":604.22003,"sentiment":"neutral","sentiment_score":-0.06870217621326447}],"sentiment":"neutral","sentiment_score":-0.06870217621326447,"channel":1,"num_words":1,"start":603.72003,"end":604.22003},{"sentences":[{"text":"So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options.","start":605.45996,"end":613.985,"sentiment":"neutral","sentiment_score":0.06907318010926247},{"text":"I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark.","start":614.845,"end":628.19995,"sentiment":"neutral","sentiment_score":0.14673947953642943}],"sentiment":"neutral","sentiment_score":0.11297152326374814,"channel":0,"num_words":69,"start":605.45996,"end":628.19995},{"sentences":[{"text":"Yep.","start":628.58997,"end":629.08997,"sentiment":"neutral","sentiment_score":0.056992530822753906}],"sentiment":"neutral","sentiment_score":0.056992530822753906,"channel":1,"num_words":1,"start":628.58997,"end":629.08997},{"sentences":[{"text":"The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to 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fee.","start":657.42,"end":662.72003,"sentiment":"neutral","sentiment_score":0.11368768827782737}],"sentiment":"neutral","sentiment_score":0.11505804499801324,"channel":0,"num_words":49,"start":648.275,"end":662.72003},{"sentences":[{"text":"Yep.","start":663.11,"end":663.61,"sentiment":"neutral","sentiment_score":0.09307526051998138}],"sentiment":"neutral","sentiment_score":0.09307526051998138,"channel":1,"num_words":1,"start":663.11,"end":663.61},{"sentences":[{"text":"Normally, in the call menu, you have less investment options.","start":663.66003,"end":667.175,"sentiment":"neutral","sentiment_score":0.01682214389438741},{"text":"But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu.","start":667.555,"end":676.85504,"sentiment":"neutral","sentiment_score":0.18199674678700312}],"sentiment":"neutral","sentiment_score":0.13852974602578846,"channel":0,"num_words":38,"start":663.66003,"end":676.85504},{"sentences":[{"text":"Okay.","start":678.235,"end":678.735,"sentiment":"neutral","sentiment_score":0.19125869870185852}],"sentiment":"neutral","sentiment_score":0.19125869870185852,"channel":1,"num_words":1,"start":678.235,"end":678.735},{"sentences":[{"text":"Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up.","start":679.155,"end":689.52,"sentiment":"neutral","sentiment_score":0.1437822725209925},{"text":"In this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis.","start":689.98,"end":700.385,"sentiment":"neutral","sentiment_score":0.25678064903387654},{"text":"So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document.","start":700.525,"end":711.38,"sentiment":"neutral","sentiment_score":0.1509463716712263}],"sentiment":"neutral","sentiment_score":0.17639314352857824,"channel":0,"num_words":98,"start":679.155,"end":711.38},{"sentences":[{"text":"Yep.","start":712.3,"end":712.8,"sentiment":"neutral","sentiment_score":0.21086399257183075}],"sentiment":"neutral","sentiment_score":0.21086399257183075,"channel":1,"num_words":1,"start":712.3,"end":712.8},{"sentences":[{"text":"Now to kind of tie that back, you don't have to decide today.","start":713.76,"end":716.72003,"sentiment":"neutral","sentiment_score":0.10761367013821235},{"text":"I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%.","start":716.72003,"end":728.735,"sentiment":"neutral","sentiment_score":0.0923912745407399},{"text":"And if I just engine tune up the portfolio, you're looking at 16%.","start":728.955,"end":732.895,"sentiment":"neutral","sentiment_score":0.11578376075396171},{"text":"So I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise?","start":733.275,"end":743.32,"sentiment":"neutral","sentiment_score":0.06481711406792913}],"sentiment":"neutral","sentiment_score":0.0875165150353783,"channel":0,"num_words":95,"start":713.76,"end":743.32},{"sentences":[{"text":"No.","start":746.45,"end":746.85004,"sentiment":"neutral","sentiment_score":-0.04238979145884514},{"text":"I'm I'm open to 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very, very soon.","start":812.855,"end":818.69495,"sentiment":"neutral","sentiment_score":0.27500489040424947},{"text":"Just dotting a few i's and t's on there.","start":818.69495,"end":820.935,"sentiment":"neutral","sentiment_score":0.17208029992050594},{"text":"And then for your one, I should have that done within about a week or two.","start":820.935,"end":824.95996,"sentiment":"neutral","sentiment_score":0.14973807847127318}],"sentiment":"neutral","sentiment_score":0.23624503374733824,"channel":0,"num_words":47,"start":811.01495,"end":824.95996},{"sentences":[{"text":"Okay.","start":825.305,"end":825.78503,"sentiment":"neutral","sentiment_score":0.2951735258102417},{"text":"That sounds 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everything.","start":853.51,"end":854.73,"sentiment":"neutral","sentiment_score":0.0732891708612442},{"text":"New plan.","start":855.19,"end":856.01,"sentiment":"neutral","sentiment_score":0.037017980590462685},{"text":"Like I said, that review pack I've sent through to you, it has the sorry.","start":856.79,"end":862.17,"sentiment":"neutral","sentiment_score":0.011056062206625939}],"sentiment":"neutral","sentiment_score":0.03928745529529723,"channel":0,"num_words":22,"start":851.29504,"end":862.17},{"sentences":[{"text":"Third party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail.","start":863.19,"end":874.745,"sentiment":"neutral","sentiment_score":0.044654588955335126}],"sentiment":"neutral","sentiment_score":0.044654588955335126,"channel":0,"num_words":39,"start":863.19,"end":874.745},{"sentences":[{"text":"Yep.","start":875.305,"end":875.805,"sentiment":"neutral","sentiment_score":0.19197547435760495},{"text":"Fantastic.","start":876.825,"end":877.325,"sentiment":"positive","sentiment_score":0.5019945502281189}],"sentiment":"positive","sentiment_score":0.34698501229286194,"channel":1,"num_words":2,"start":875.305,"end":877.325},{"sentences":[{"text":"Perfect.","start":877.685,"end":878.185,"sentiment":"positive","sentiment_score":0.5081487894058228},{"text":"Alrighty.","start":879.045,"end":879.545,"sentiment":"positive","sentiment_score":0.4337444007396698},{"text":"Nice and easy there.","start":880.36,"end":881.39996,"sentiment":"positive","sentiment_score":0.6123964786529541},{"text":"Let me go away and do the research and put that together for you.","start":881.39996,"end":884.45996,"sentiment":"positive","sentiment_score":0.3560179706130709}],"sentiment":"positive","sentiment_score":0.4187865346670151,"channel":0,"num_words":20,"start":877.685,"end":884.45996},{"sentences":[{"text":"Yep.","start":884.69,"end":885.19,"sentiment":"neutral","sentiment_score":0.09507806599140169}],"sentiment":"neutral","sentiment_score":0.09507806599140169,"channel":1,"num_words":1,"start":884.69,"end":885.19},{"sentences":[{"text":"The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView.","start":884.92,"end":895.33997,"sentiment":"neutral","sentiment_score":0.05723532547633494},{"text":"That'll continue.","start":896.165,"end":896.985,"sentiment":"neutral","sentiment_score":0.0722019374370575},{"text":"There's no changes so far.","start":897.765,"end":899.385,"sentiment":"neutral","sentiment_score":0.034689387679100035},{"text":"When we get to next year, have come up with a bit of a tiered fee structure.","start":899.765,"end":905.065,"sentiment":"neutral","sentiment_score":0.05573658951941658},{"text":"So everybody","start":905.365,"end":906.08496,"sentiment":"neutral","sentiment_score":0.06058352813124657}],"sentiment":"neutral","sentiment_score":0.05545324528295743,"channel":0,"num_words":57,"start":884.92,"end":906.08496},{"sentences":[{"text":"Okay.","start":905.835,"end":906.335,"sentiment":"neutral","sentiment_score":0.06553401798009872}],"sentiment":"neutral","sentiment_score":0.06553401798009872,"channel":1,"num_words":1,"start":905.835,"end":906.335},{"sentences":[{"text":"who's above 200,000 will start to get some discounts as well.","start":906.08496,"end":909.12,"sentiment":"neutral","sentiment_score":0.07310865819454193},{"text":"Through","start":909.12,"end":909.62,"sentiment":"neutral","sentiment_score":0.051278188824653625}],"sentiment":"neutral","sentiment_score":0.07128945241371791,"channel":0,"num_words":12,"start":906.08496,"end":909.62},{"sentences":[{"text":"Okay.","start":910.715,"end":911.195,"sentiment":"neutral","sentiment_score":0.1251423805952072},{"text":"Perfect.","start":911.195,"end":911.695,"sentiment":"neutral","sentiment_score":0.20429302752017975}],"sentiment":"neutral","sentiment_score":0.16471770405769348,"channel":1,"num_words":2,"start":910.715,"end":911.695},{"sentences":[{"text":"Hub twenty four as well.","start":914.6,"end":920.1867,"sentiment":"neutral","sentiment_score":0.11457079499959946},{"text":"Okay.","start":920.1867,"end":920.2134,"sentiment":"neutral","sentiment_score":0.0860791802406311},{"text":"So, yeah, you're already getting that family fee linking through Hub twenty four as well.","start":920.2134,"end":922.835,"sentiment":"neutral","sentiment_score":0.13705216646194457},{"text":"Beautiful.","start":925.375,"end":925.875,"sentiment":"positive","sentiment_score":0.4154857397079468},{"text":"Alright.","start":926.015,"end":926.335,"sentiment":"neutral","sentiment_score":0.14856432378292084}],"sentiment":"neutral","sentiment_score":0.14255503111559412,"channel":0,"num_words":23,"start":914.6,"end":926.335},{"sentences":[{"text":"Any questions for me, sir, before I let you go?","start":926.335,"end":928.515,"sentiment":"neutral","sentiment_score":0.05982114188373089}],"sentiment":"neutral","sentiment_score":0.05982114188373089,"channel":0,"num_words":10,"start":926.335,"end":928.515},{"sentences":[{"text":"No.","start":928.845,"end":929.165,"sentiment":"neutral","sentiment_score":-0.014198541641235352},{"text":"I'm all good.","start":929.165,"end":929.96497,"sentiment":"neutral","sentiment_score":0.15167147914568582},{"text":"Thank you.","start":929.96497,"end":930.70496,"sentiment":"positive","sentiment_score":0.39689014852046967}],"sentiment":"neutral","sentiment_score":0.20576603213946024,"channel":1,"num_words":6,"start":928.845,"end":930.70496},{"sentences":[{"text":"Awesome.","start":931.775,"end":932.175,"sentiment":"positive","sentiment_score":0.4118647575378418},{"text":"Look.","start":932.175,"end":932.335,"sentiment":"neutral","sentiment_score":0.09683948755264282},{"text":"I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans.","start":932.335,"end":940.13,"sentiment":"positive","sentiment_score":0.753262456258138}],"sentiment":"positive","sentiment_score":0.722080560401082,"channel":0,"num_words":32,"start":931.775,"end":940.13},{"sentences":[{"text":"Yep.","start":940.365,"end":940.865,"sentiment":"positive","sentiment_score":0.44006818532943726},{"text":"Lovely.","start":941.005,"end":941.505,"sentiment":"positive","sentiment_score":0.7744671106338501},{"text":"Okay.","start":941.93695,"end":942.17694,"sentiment":"positive","sentiment_score":0.6037991046905518},{"text":"Thank you, mate.","start":942.17694,"end":943.157,"sentiment":"positive","sentiment_score":0.8181885480880737}],"sentiment":"positive","sentiment_score":0.7121500074863434,"channel":1,"num_words":6,"start":940.365,"end":943.157},{"sentences":[{"text":"Amazing.","start":942.75,"end":943.25,"sentiment":"positive","sentiment_score":0.8733052015304565},{"text":"Have a great day, mate.","start":943.55,"end":944.50995,"sentiment":"positive","sentiment_score":0.826362419128418},{"text":"Thank you so much.","start":944.50995,"end":945.49,"sentiment":"positive","sentiment_score":0.8576462417840958}],"sentiment":"positive","sentiment_score":0.843570226430893,"channel":0,"num_words":10,"start":942.75,"end":945.49},{"sentences":[{"text":"You too.","start":945.13696,"end":945.777,"sentiment":"positive","sentiment_score":0.5789780914783478},{"text":"See you.","start":945.777,"end":946.25696,"sentiment":"positive","sentiment_score":0.5363312363624573},{"text":"Bye.","start":946.25696,"end":946.75696,"sentiment":"neutral","sentiment_score":-0.12135183811187744}],"sentiment":"positive","sentiment_score":0.42185336351394653,"channel":1,"num_words":5,"start":945.13696,"end":946.75696}]},"summary":{"result":"success","short":"A senior adviser from Aspik named Tommy sends a pack of annual review materials to Joe, including performance sheets, certificates, updated service guides, and updated service guides with Oakview. They also discuss the customer's assets and liability, including home and investment property, mortgage, and beneficiary. The speaker suggests a trim down on the investment account and a lower fee option with a better performance, and provides information on the service agreement and sending a document to the customer. They recommend a bubble on the portfolio to avoid unnecessary risk and provide a process for updating the portfolio. The customer is instructed to review the documents and update their beneficiary."},"intents":{"segments":[{"text":"Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information. I Yep.","start_word":284,"end_word":337,"intents":[{"intent":"Obtain information on account status","confidence_score":8.268576e-7}]},{"text":"Now just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them.","start_word":375,"end_word":414,"intents":[{"intent":"Update figures and data","confidence_score":0.00005661006}]},{"text":"But Lila is listed as your beneficiary for hub twenty four for the super.","start_word":695,"end_word":708,"intents":[{"intent":"Update beneficiary","confidence_score":0.09315166}]},{"text":"Do you want me to update that at all? Yeah.","start_word":709,"end_word":718,"intents":[{"intent":"Update document","confidence_score":0.020934286}]},{"text":"I got the address and everything updated, so that's amazing. Email address, your Gmail still okay for documentation? Yes. Perfect.","start_word":760,"end_word":779,"intents":[{"intent":"Update address","confidence_score":0.24348746}]},{"text":"Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do Mhmm.","start_word":782,"end_word":807,"intents":[{"intent":"Discuss investment account","confidence_score":0.8125778}]},{"text":"Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do Mhmm. note that most of it had been withdrawn. There's about $10 in there. It had some pretty solid growth of about 13%.","start_word":782,"end_word":829,"intents":[{"intent":"Discuss investment account growth","confidence_score":0.061682034}]},{"text":"When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance. You've Yeah. got the trauma insurance out of pocket and a little bit of an income protection definition just to get that Okay.","start_word":964,"end_word":1007,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.29720032}]},{"text":"Now you've got a thirty day waiting period. So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax. Okay.","start_word":1018,"end_word":1063,"intents":[{"intent":"Clarify waiting period","confidence_score":0.024145335}]},{"text":"So I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year. No. Probably not.","start_word":1117,"end_word":1150,"intents":[{"intent":"Evaluate income options","confidence_score":0.0053290236}]},{"text":"So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options. I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark. Yep.","start_word":1624,"end_word":1693,"intents":[{"intent":"Update portfolio strategy","confidence_score":0.015539661}]},{"text":"But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu. Okay.","start_word":1802,"end_word":1830,"intents":[{"intent":"Discuss portfolio options and decision-making","confidence_score":0.000035871708}]},{"text":"So that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do. Any questions on that so far? Yep.","start_word":2183,"end_word":2213,"intents":[{"intent":"Assist with plan updates","confidence_score":0.0010671978}]}]},"sentiments":{"segments":[{"text":"Hello? Joe, good afternoon, sir. It's Tommy here, senior adviser from. How are you doing?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.23303386569023132},{"text":"Good, mate. How are you? I'm having an absolutely fantastic week. Great to hear.","start_word":15,"end_word":28,"sentiment":"positive","sentiment_score":0.6689107418060303},{"text":"Mate, I'm just gonna go through an annual review with you. Do you have a bit of time for me? Yes.","start_word":29,"end_word":49,"sentiment":"neutral","sentiment_score":0.19905327260494232},{"text":"Amazing.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4938499927520752},{"text":"Now before I jump into it, I've got a bit of a pack that I'm gonna send out to you. Will you better look on to the email with me today, or should I just walk you through what's coming by? Yeah. We'll just work for it. Yep. Easy done. And just for security of your account, mate, could I please confirm your date of birth and address? Yep. 05/10/1990, and address is 29 McLeigh Circuit, Upper Kuma. Sensational.","start_word":51,"end_word":129,"sentiment":"neutral","sentiment_score":0.10866911709308624},{"text":"Thank you for that, mate.","start_word":130,"end_word":134,"sentiment":"positive","sentiment_score":0.6069872379302979},{"text":"And I'm registered with Aspik as adviser one 273105. Now, Joe, there's quite a few things I want to run by you today. But before I jump into it, anything in particular you would like to focus on for this review? No. Nothing in particular. Amazing. So I'm gonna pop that through just so you've got it there. It's just a number of in the review pack, we've got the, like, performance sheets, certificates for the insurance, updated service guides with Oakview. And one thing I wanted to run by you as well, so I'm just gonna update a couple of details, touch on the goals that I was speaking to Kaylee about, make sure you guys are both aligned, and then just Yeah. kind of jump into a couple of easy areas first, and then one that I wanna go into a bit more depth with. Yeah. Alright. Now one thing I wanna quickly check with you is just for OQ Financial, We can have you guys listed as third party authorities for each other, and that allows you to kind of call up and get information on each other's accounts and details just for an easy flow of information. I Yep. did prepare one of those authorities today, but I just wanted to run it by you if that's something you'd be interested in. Yeah.","start_word":135,"end_word":361,"sentiment":"neutral","sentiment_score":0.14391131607183802},{"text":"That's fine. Perfect. Perfect. Perfect. Alrighty.","start_word":362,"end_word":367,"sentiment":"positive","sentiment_score":0.5186558961868286},{"text":"So that'll go through there as well. Now just in terms of details updating, just because we've got a new system, and I did update most of the figures with Kaylee already, I just wanted to quickly run them by you, make sure you're comfortable with them. Okay. Cool. So in terms of the assets and liability, we've got the home and the investment property, and we've done some updated figures. Home valued at about 1.1 mil and the updated loans of about 756,000. And the investment property, that's $6.90 value, $6.39 owing. Does that sound about right to you? Yeah. Okay. Did you could you hear that? Only a little bit. I did miss Oh, it. okay. Kylie's Kylie's in the background here. I've heard. She said you should have answers that she gave us about the house. I think the house would be valued out a little bit more. I Yep. think Awesome. that one point So I've one got valuation all those answers. might be a bit billed. Bit low. Yep. Okay. So that's the 1.2. Beautiful. And then again, so we've got the company owned vehicle for you, and then we did note down with Paley, you guys got solar and jet ski as well. Yeah. No. No Jet Ski. Beautiful. We No sold jet it. ski. Okay. No. So perfect. Alrighty. Outside of that, when it comes to the income side of things, so you're in sales with CDK Stone, Yep. we had you at about a 157,000, but then you're getting commissions of about 15 to 20 on top of that. Perfect. Alrighty. Couple of easy ones to start with. So I believe you guys have already updated, like, your your will as far as estate planning goes. Yep. Perfect. Now for the beneficiary nomination, so Kaylee has listed for the fees of life insurance with Neos, but I do know that you guys have two children as well. Yes. But Lila is listed as your beneficiary for hub twenty four for the super. Yep. Do you want me to update that at all? Yeah. Because I think we did that before we have the second charge. So I'm assuming we just split it between Yep. Okay. Split between the two. And the life insurance still okay. Just go to Hailey Direct. the two. Yep.","start_word":368,"end_word":758,"sentiment":"neutral","sentiment_score":0.08256610435293153},{"text":"Fantastic. I got the address and everything updated, so that's amazing.","start_word":759,"end_word":769,"sentiment":"positive","sentiment_score":0.6964490413665771},{"text":"Email address, your Gmail still okay for documentation? Yes.","start_word":770,"end_word":778,"sentiment":"neutral","sentiment_score":0.2511097192764282},{"text":"Perfect. Perfect. Perfect.","start_word":779,"end_word":781,"sentiment":"positive","sentiment_score":0.3767815828323364},{"text":"Now I don't know if you guys have already discussed it, but when it comes to that investment account that you guys have, I do Mhmm. note that most of it had been withdrawn. There's about $10 in there. It had some pretty solid growth of about 13%. So our discussion was essentially just to kind of leave that alone because you guys have a lot of, like, cash flow priorities at the moment, and to Yep. kind of come back to that Yes. once you've kind of handled your other goals, which is really just about pulling funds into the offset account and then just going for another over the next one to five years. Yep. Does that sound about right? It does. Perfect. Perfect. So the same thing I mentioned to Kaylee is I'm not sending through any service agreements for the investment account because it is $10,000. I don't wanna charge any fees out of it. I'll just kind of let it grow on its own, and then at each review, I'll kind of revisit it Yeah. it. Perfect. When it comes to the insurance side of things, so you've got the 1.2 mil worth of life and disability insurance. You've Yeah. got the trauma insurance out of pocket and a little bit of an income protection definition just to get that Okay. extra definition. Most of it's all through the super. Yep. Now you've got a thirty day waiting period. So if you're off work for a month, kicks in a monthly income for up to five years, and that's covering you for 11,000 a month, which works out to be about 1,800 a week after tax. Okay. Yep. Now just based on what you're saying before for your income, so it's protecting an income of about a 191,000. So if you're sitting at $1.57 and you get about $20 worth of commissions on top, you're a tiny bit over insured for that one, but it's pretty close to the mark. So I was looking at maybe doing just a little bit of a trim down on that one unless you think your income is gonna kind of match that this year. No. Probably not. You can trim Perfect. Now I can either trim it down to your full income or just that $1.57 base. down. And, well, does it make much of a difference to repayments by trimming it down? It'll chop off a good few 100. It'll let me just have a look at the current premium on that one. Life Income protection. So it'll probably go down from about 1,900, yeah, to about 1,500, 1,600 there. Okay. Oh, yeah. Cool. Do So that that'll then. help a little bit. Yep.","start_word":782,"end_word":1238,"sentiment":"neutral","sentiment_score":0.05175073210891801},{"text":"Perfect.","start_word":1239,"end_word":1239,"sentiment":"positive","sentiment_score":0.5205111503601074},{"text":"I'll I'll do a bit of an alteration quote with Neil, and I'll Yeah. get that through to you as well.","start_word":1240,"end_word":1260,"sentiment":"neutral","sentiment_score":0.25830772519111633},{"text":"Beautiful. Alrighty.","start_word":1261,"end_word":1262,"sentiment":"positive","sentiment_score":0.3993191123008728},{"text":"Now when it comes to the superannuation, so I'm doing a bit of an updated portfolio for Kaylee at the moment. Again, I'm not touching the investment account because it's kind of doing its thing pretty, pretty well. But I Yep. wanted to really deep dive into yours today if that's alright. Okay. Now when it comes to yours, you're in what's essentially called an aggressive risk profile. So it's kind of like all of your supers in growth asset. There's Yeah. property, gold. You're trying to get like the highest long term returns kind of thing. Yep. Now what you're kind of aiming for so if I look at the the wider super industry or the top super funds, they're kind of hitting that 10% mark Okay. for return, and their high growth funds are kind of hitting 12%. And what you're kind of aiming for is above Yeah. that. So about 14 to 16%. Yeah. Now your super over the last twelve months, I've just got an updated chart here. So it's gone from 94,000. We had a drop in the stock market where it went down to 91, and then it jumped up to a 109,000. Okay.","start_word":1263,"end_word":1462,"sentiment":"neutral","sentiment_score":0.08054980392102153},{"text":"Now that's mainly due to your contributions, which has been pretty good.","start_word":1463,"end_word":1474,"sentiment":"positive","sentiment_score":0.42136624455451965},{"text":"The actual investment returns have been a little bit flat this year. Right. Now what's essentially happening is I've done a bit of a deep dive on it. You've got around about eight different investment options here, eight or nine. Most of them have had really strong double digit. So most of your your top performers for you have been Yep. the top 50 companies in Asia as well as some battery tech and lithium, which is like electric vehicles. And they're Yes. all up like 35, 42%. Everything else is pretty much about 10 to 13% mark. The one that's had a bit of a drop is your Benelon Australian shares. That Right.","start_word":1475,"end_word":1588,"sentiment":"neutral","sentiment_score":0.03740764409303665},{"text":"one's actually kind of got off in a really bad direction, and it's not keeping up with the Australian market nor is it keeping up with the other Australian options that are out there.","start_word":1589,"end_word":1622,"sentiment":"negative","sentiment_score":-0.3790697455406189},{"text":"Right. So what I'm kind of proposing for you also for the moment, and I'm gonna put it into more updated strategies for you to look at, is two main options. I can either look at switching that option out with kind of like a better lower fee option with a bit better performance, and that'll bring your overall portfolio back on track for that kind of 16% return mark. Yep. The other option that we have is to kind of avoid this situation where if a fund manager completely, I guess, excuse my friend, shit to bed, Yes. Sevi and Bart have kind of come up with something called an SMA, separately managed account structure. Now Okay. what I wanna kind of tell you about that as an option to consider, if you would consider it, is what we can do is put a bubble around your portfolio. We can move it over to the core menu within Hub 24, which is a bit lower fee. Yep. Normally, in the call menu, you have less investment options. But because of that estimate bubble through the usage of BlackRock and Oakview, we can still have access to all those options that are on the choice menu. Okay. Now what that essentially does so what I mentioned before is if I switch out that option, you still have a portfolio of nine options, and we just kind of engine through not fixed it up. In this bubble, what it allows is for Oakview and BlackRock to make frequent changes throughout the year on a three, six, or nine month basis. So if we do notice one thing in particular going wrong, we can actually get that switched out within the year instead of you having to wait for a review and a whole updated strategy document. Yep. Now to kind of tie that back, you don't have to decide today. I just wanted you to consider it is if the super industry is hitting 10%, high growth is hitting 12, the SMA bubble that we've got for your risk level is hitting about 14%. And if I just engine tune up the portfolio, you're looking at 16%. So I just wanted to gauge with you whether you really wanna hunt for that extra couple of percent, or would you prefer to have something that's a little bit more flexible if problems arise? No. I'm I'm open to it. I'll have a look at it.","start_word":1623,"end_word":2035,"sentiment":"neutral","sentiment_score":0.10269204402662652},{"text":"Perfect.","start_word":2036,"end_word":2036,"sentiment":"positive","sentiment_score":0.5055412650108337},{"text":"So what I'll do is in the document, I'm basically gonna say this is your current portfolio. This is the bubble that we're looking at, and I'll put the other portfolio in there as an alternative so you can see all three of them compared against each Yeah. other.","start_word":2037,"end_word":2085,"sentiment":"neutral","sentiment_score":0.182692289352417},{"text":"Perfect.","start_word":2086,"end_word":2086,"sentiment":"positive","sentiment_score":0.3923805356025696},{"text":"I know that's kind of a bit of an info done back to you straight away over the phone, but any questions on that so far? Nope. All makes sense.","start_word":2087,"end_word":2116,"sentiment":"neutral","sentiment_score":0.18123042583465576},{"text":"Perfect.","start_word":2117,"end_word":2117,"sentiment":"positive","sentiment_score":0.46137264370918274},{"text":"So at this point, what I'm basically looking to do is leave the insurances alone, but a bit of a trim down on the income protection. We'll look at the different portfolios for the super, leave the investment account alone, update your beneficiary for super to be split between the two kids, and you guys all have the wills and everything updated.","start_word":2118,"end_word":2179,"sentiment":"neutral","sentiment_score":0.22456519305706024},{"text":"Perfect.","start_word":2180,"end_word":2180,"sentiment":"positive","sentiment_score":0.5129199028015137},{"text":"Alrighty. So that's pretty much everything that I wanted to cover for today to give me a bit of a direction on what to do. Any questions on that so far? Yep. Nope.","start_word":2181,"end_word":2213,"sentiment":"neutral","sentiment_score":0.10209180098591428},{"text":"All good. Amazing. All good.","start_word":2214,"end_word":2218,"sentiment":"positive","sentiment_score":0.602316677570343},{"text":"So you can let Kelly know that I've pretty much got that document off the word very, very soon. Just dotting a few i's and t's on there. And then for your one, I should have that done within about a week or two. Okay.","start_word":2219,"end_word":2263,"sentiment":"neutral","sentiment_score":0.208172008395195},{"text":"That sounds good. Cool.","start_word":2264,"end_word":2267,"sentiment":"positive","sentiment_score":0.47725963592529297},{"text":"Now I am going away for just a little bit of leave. I just had a baby recently, so I'll be off for the middle of August. So I'll try and get you booked in before I go. But if I'm away and it just gets finished, I'm gonna get one of the other advisers just to run through that plan with you just so you don't have to wait until I get back. Okay. Yeah. That's fine. Cool. Alrighty. So update everything. New plan. Like I said, that review pack I've sent through to you, it has the sorry. Third party authority for you guys to kind of contact on each other's part, and I'll get one sent out to Kaylee as well if you're comfortable or if she's comfortable for you to be listed on her detail. Yep.","start_word":2268,"end_word":2407,"sentiment":"neutral","sentiment_score":0.061419885605573654},{"text":"Fantastic. Perfect. Alrighty. Nice and easy there. Let me go away and do the research and put that together for you.","start_word":2408,"end_word":2428,"sentiment":"positive","sentiment_score":0.4327757656574249},{"text":"Yep. The only other thing is just in terms of the service agreement, so same documentation for both of you guys, you're both on the partner fee discounts of 1.1% with OkeView. That'll continue. There's no changes so far. When we get to next year, have come up with a bit of a tiered fee structure. So everybody Okay. who's above 200,000 will start to get some discounts as well. Through Okay. Perfect. Hub twenty four as well. Okay. So, yeah, you're already getting that family fee linking through Hub twenty four as well.","start_word":2429,"end_word":2522,"sentiment":"neutral","sentiment_score":0.07823080569505692},{"text":"Beautiful.","start_word":2523,"end_word":2523,"sentiment":"positive","sentiment_score":0.4154857397079468},{"text":"Alright. Any questions for me, sir, before I let you go? No. I'm all good.","start_word":2524,"end_word":2538,"sentiment":"neutral","sentiment_score":0.0825398787856102},{"text":"Thank you. Awesome.","start_word":2539,"end_word":2541,"sentiment":"positive","sentiment_score":0.3971118628978729},{"text":"Look.","start_word":2542,"end_word":2542,"sentiment":"neutral","sentiment_score":0.1962086111307144},{"text":"I really appreciate you taking the time today, and just keep an ear out for Michelle to get you guys booked in with me to go through those updated plans. Yep. Lovely. Okay. Thank you, mate. Amazing. Have a great day, mate. Thank you so much. You too. See you.","start_word":2543,"end_word":2592,"sentiment":"positive","sentiment_score":0.7412847280502319},{"text":"Bye.","start_word":2593,"end_word":2593,"sentiment":"neutral","sentiment_score":0.29581162333488464}],"average":{"sentiment":"neutral","sentiment_score":0.12187179306806144}}}}