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So what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright. Cool. So I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it. So that'll go through to the Gmail. Is that still your main email address? Cool. Alrighty. Now what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go. Cool. Cool. So we did that withdrawal a little while ago. Just wondering, that kind of cleared the credit card out and everything, didn't it? Cool. So there's the car, the caravan, and how much is left on the credit card now? Yep. 10. Easy done. Now, obviously, previously, we had you, like, sheet metal workers, that kind of thing. What's your kind of main idea and plan for the next couple of years? Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts? And you mentioned your knees too, I think. Sounds good. So our main job then for you is basically, like, what? Get some nice, safe growth out of the super that's above what the bank would pay you and just have it there ready for you to access when you need it. Cool. One thing I wanna do is there's a couple of investments I wanna kind of tweak because when you're like, you've obviously hit 65, so you've got full access to your super. Right? Does that ring a bell? So when you're at that kind of 65 point, I need to make sure that it's pretty safe what we've got you invested in. So because you got a $130 now, I don't want you calling us up in three months' time and there's $70 in there because the stock market crashed, if that makes sense. So the main thing for you is risk level. You've got half of your money invested in, like, growth assets, like shares, property, and gold, and the other half is in the safer side of things. So we kind of call that, like, a moderate, like, a two out of five on the risk scale, if that makes sense. So, basically, a little bit above the banks, but not medium to high risk. What I'm basically gonna do with that one is there's one investment option. You've got a bunch of term deposits in there. One of them is being phased out next year by the government, so I just gotta get a bit of a switch going for that one. And there's one Australian shares option that's kind of been a little bit risky. It's kind of been jumping up and down a little bit more than all the other options. So if you're comfortable with that risk level, I'm pretty much gonna put together a new plan for you, and it's gonna include, I wanna switch out this one and that one. This is what I think you should invest in, and then I can kinda give that to you in writing so you can see before we touch anything. Is that alright? Yeah. Absolutely. So what I'm basically trying to do is I'm not gonna change it from that moderate risk profile, but I'm gonna change the investment so they're a bit less risky than the ones that are currently in there. Cool. So Yep. Cool. Well, I'll talk to the investment committee. We've got a few comparisons to do, and then I've got a few ideas that I wanna put together for you. Is is there anything else that you kind of need to focus on the next year or two besides, obviously, the caravan, your health, and then getting through to 67 for the age pension? Easy done. So I'm not playing around with anything crazy trying to get you insurance policies or life insurance or disability insurance or anything like that. We're just gonna make the super nice and safe. Cool. What about just quickly on estate planning side of things? Did you end up getting, like, a will in place? No. That's fair. I just wanted to ask you for the super if you wanted me to put on, like, a beneficiary nomination for who the super goes to. I don't see it on there. I'll double check when you last put it on, and Kathy's gonna go on there. Kathy Royston, which obviously spouse and then a 100%, that kind of thing. Cool. If I need to get that updated, can I post you out a form and we'll prefill it a little bit for you? Cool. Outside of that, quick reminder on, obviously, the will and the power of attorney, everything, which obviously you're not ready for that yet, but we'll sort out the fishery. And is there anything else that you can think of? Cool. So just to let you know a couple of things I've sent through to you on the email so you've got it there. I'll obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance, and the new service guide with Ophir. Now we've still got you listed as a client with us until July of next year. So there's you're already paying 1.65 fees to us. We're changing the structure next year to try and get some discounts above 200,000, but we'll, you know, we'll see how we go on the balance and the growth as well. Cool. Is there any other kind of withdrawals or anything that you need me to sort out or just kinda leave it alone and just get the investment sorted? Cool. And just to give you a little bit of an update on what I was looking at figures wise, there was two thirty seven previously. Obviously, we had the three withdrawals, fifty, forty, and 30. But we've had another $10,000 worth of growth on top of the 3,000 worth of contributions that you did recently before you stopped work. Alright? It's sitting a little bit flat at the moment. Obviously, the stock market's kind of exploding. The world's going on fire. But, again, like I said, there's a few things ideas that we've got that should stabilize it, make it a bit safer for you. Yeah. And the main thing is yeah. Yeah. And my my struggle at the moment is trying to get people super a little bit but without risking all of it. And, you know, you can expect something to blow up again this year or next year, and we need to make sure it's not too big of a deal. Cool. If anything major happens and things do kind of explode a little bit, we can always turn down the risk another peg. But for now, I'll just work on those options, and then we'll talk again. Awesome, mate. Now that pack that I've sent out to you, there's nothing to sign in there. It's just for your records. But if you've got any questions, just give us a buzz. I'll get the team to post out the beneficiaries. Can I just double check to make sure we get the details correct on it? Kathy's date of birth? 1967. 05/01/1967. And that's spelled c a t h y? Yeah. And then Royston is R O Y S T o N. That's the one. Spouse, 100%. And do you want that to like, you can choose whether it expires after three years or it's continuous. Alright. So we'll do legally binding, and they call that a non lapsing. When you get it, if you have any trouble, just give the team a buzz, but, basically, just need to sign it, get two witnesses to witness your signature on the same day. And one of them can't be Kathy. That's all? Cool. Alright. I'll get that sent out straight away. So, hopefully, you should get that next week. And I'll be talking to you in a few weeks just with those updated investments. Awesome, Nick. Have a fantastic day. Enjoy the caravan, mate. I'll talk to you soon. Thank you. 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day, Nick. You're through to Tommy, mate. Thank you so much for calling back through. No worries at all. Well, thank you so much for calling back in, mate.\n\nReally appreciate that. Cool. Cool. So what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright. Cool.\n\nSo I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it. So that'll go through to the Gmail. Is that still your main email address? Cool. Alrighty.\n\nNow what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go. Cool. Cool. So we did that withdrawal a little while ago. Just wondering, that kind of cleared the credit card out and everything, didn't it?\n\nCool. So there's the car, the caravan, and how much is left on the credit card now? Yep. 10. Easy done.\n\nNow, obviously, previously, we had you, like, sheet metal workers, that kind of thing. What's your kind of main idea and plan for the next couple of years? Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts? And you mentioned your knees too, I think. Sounds good.\n\nSo our main job then for you is basically, like, what? Get some nice, safe growth out of the super that's above what the bank would pay you and just have it there ready for you to access when you need it. Cool. One thing I wanna do is there's a couple of investments I wanna kind of tweak because when you're like, you've obviously hit 65, so you've got full access to your super. Right?\n\nDoes that ring a bell? So when you're at that kind of 65 point, I need to make sure that it's pretty safe what we've got you invested in. So because you got a $130 now, I don't want you calling us up in three months' time and there's $70 in there because the stock market crashed, if that makes sense. So the main thing for you is risk level. You've got half of your money invested in, like, growth assets, like shares, property, and gold, and the other half is in the safer side of things.\n\nSo we kind of call that, like, a moderate, like, a two out of five on the risk scale, if that makes sense. So, basically, a little bit above the banks, but not medium to high risk. What I'm basically gonna do with that one is there's one investment option. You've got a bunch of term deposits in there. One of them is being phased out next year by the government, so I just gotta get a bit of a switch going for that one.\n\nAnd there's one Australian shares option that's kind of been a little bit risky. It's kind of been jumping up and down a little bit more than all the other options. So if you're comfortable with that risk level, I'm pretty much gonna put together a new plan for you, and it's gonna include, I wanna switch out this one and that one. This is what I think you should invest in, and then I can kinda give that to you in writing so you can see before we touch anything. Is that alright?\n\nYeah. Absolutely. So what I'm basically trying to do is I'm not gonna change it from that moderate risk profile, but I'm gonna change the investment so they're a bit less risky than the ones that are currently in there. Cool. So Yep.\n\nCool. Well, I'll talk to the investment committee. We've got a few comparisons to do, and then I've got a few ideas that I wanna put together for you. Is is there anything else that you kind of need to focus on the next year or two besides, obviously, the caravan, your health, and then getting through to 67 for the age pension? Easy done.\n\nSo I'm not playing around with anything crazy trying to get you insurance policies or life insurance or disability insurance or anything like that. We're just gonna make the super nice and safe. Cool. What about just quickly on estate planning side of things? Did you end up getting, like, a will in place?\n\nNo. That's fair. I just wanted to ask you for the super if you wanted me to put on, like, a beneficiary nomination for who the super goes to. I don't see it on there. I'll double check when you last put it on, and Kathy's gonna go on there.\n\nKathy Royston, which obviously spouse and then a 100%, that kind of thing. Cool. If I need to get that updated, can I post you out a form and we'll prefill it a little bit for you? Cool. Outside of that, quick reminder on, obviously, the will and the power of attorney, everything, which obviously you're not ready for that yet, but we'll sort out the fishery.\n\nAnd is there anything else that you can think of? Cool. So just to let you know a couple of things I've sent through to you on the email so you've got it there. I'll obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance, and the new service guide with Ophir. Now we've still got you listed as a client with us until July of next year.\n\nSo there's you're already paying 1.65 fees to us. We're changing the structure next year to try and get some discounts above 200,000, but we'll, you know, we'll see how we go on the balance and the growth as well. Cool. Is there any other kind of withdrawals or anything that you need me to sort out or just kinda leave it alone and just get the investment sorted? Cool.\n\nAnd just to give you a little bit of an update on what I was looking at figures wise, there was two thirty seven previously. Obviously, we had the three withdrawals, fifty, forty, and 30. But we've had another $10,000 worth of growth on top of the 3,000 worth of contributions that you did recently before you stopped work. Alright? It's sitting a little bit flat at the moment.\n\nObviously, the stock market's kind of exploding. The world's going on fire. But, again, like I said, there's a few things ideas that we've got that should stabilize it, make it a bit safer for you. Yeah. And the main thing is yeah.\n\nYeah. And my my struggle at the moment is trying to get people super a little bit but without risking all of it. And, you know, you can expect something to blow up again this year or next year, and we need to make sure it's not too big of a deal. Cool. If anything major happens and things do kind of explode a little bit, we can always turn down the risk another peg.\n\nBut for now, I'll just work on those options, and then we'll talk again. Awesome, mate. Now that pack that I've sent out to you, there's nothing to sign in there. It's just for your records. But if you've got any questions, just give us a buzz.\n\nI'll get the team to post out the beneficiaries. Can I just double check to make sure we get the details correct on it? Kathy's date of birth? 1967. 05/01/1967.\n\nAnd that's spelled c a t h y? Yeah. And then Royston is R O Y S T o N. That's the one. Spouse, 100%.\n\nAnd do you want that to like, you can choose whether it expires after three years or it's continuous. Alright. So we'll do legally binding, and they call that a non lapsing. When you get it, if you have any trouble, just give the team a buzz, but, basically, just need to sign it, get two witnesses to witness your signature on the same day. And one of them can't be Kathy.\n\nThat's all? Cool. Alright. I'll get that sent out straight away. So, hopefully, you should get that next week.\n\nAnd I'll be talking to you in a few weeks just with those updated investments. Awesome, Nick. Have a fantastic day. Enjoy the caravan, mate. I'll talk to you soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Nick.","start":2.48,"end":3.04,"sentiment":"positive","sentiment_score":0.4714563687642415},{"text":"You're through to Tommy, mate.","start":3.04,"end":4.16,"sentiment":"positive","sentiment_score":0.35016406774520875},{"text":"Thank you so much for calling back through.","start":4.16,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6905356422066689},{"text":"No worries at all.","start":15.975,"end":16.855,"sentiment":"neutral","sentiment_score":0.13816669955849648},{"text":"Well, thank you so much for calling back in, mate.","start":16.855,"end":18.455,"sentiment":"positive","sentiment_score":0.6765278041362762}],"sentiment":"positive","sentiment_score":0.5335806474089623,"num_words":30,"start":2.48,"end":18.455},{"sentences":[{"text":"Really appreciate that.","start":18.455,"end":19.595001,"sentiment":"positive","sentiment_score":0.6962631742159525},{"text":"Cool.","start":23.175,"end":23.494999,"sentiment":"positive","sentiment_score":0.48603346943855286},{"text":"Cool.","start":23.494999,"end":23.814999,"sentiment":"positive","sentiment_score":0.4146086275577545},{"text":"So what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright.","start":23.814999,"end":37.29,"sentiment":"neutral","sentiment_score":0.16735347536833664},{"text":"Cool.","start":40.71,"end":41.03,"sentiment":"positive","sentiment_score":0.34155258536338806}],"sentiment":"neutral","sentiment_score":0.20428781430163082,"num_words":63,"start":18.455,"end":41.03},{"sentences":[{"text":"So I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it.","start":41.03,"end":47.555,"sentiment":"neutral","sentiment_score":0.2484663793196281},{"text":"So that'll go through to the Gmail.","start":49.215,"end":50.575,"sentiment":"neutral","sentiment_score":0.15933374421937124},{"text":"Is that still your main email address?","start":50.575,"end":52.275,"sentiment":"neutral","sentiment_score":0.06310242627348218},{"text":"Cool.","start":54.415,"end":54.915,"sentiment":"neutral","sentiment_score":0.3238758444786072},{"text":"Alrighty.","start":55.38,"end":55.88,"sentiment":"neutral","sentiment_score":0.3139404058456421}],"sentiment":"neutral","sentiment_score":0.20395156368613243,"num_words":40,"start":41.03,"end":55.88},{"sentences":[{"text":"Now what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go.","start":57.059998,"end":65.0,"sentiment":"neutral","sentiment_score":0.22418825115476335},{"text":"Cool.","start":67.22,"end":67.54,"sentiment":"neutral","sentiment_score":0.2870279550552368},{"text":"Cool.","start":67.54,"end":67.935,"sentiment":"neutral","sentiment_score":0.22993358969688416},{"text":"So we did that withdrawal a little while ago.","start":68.814995,"end":72.435,"sentiment":"neutral","sentiment_score":0.10261447148190604},{"text":"Just wondering, that kind of cleared the credit card out and everything, didn't it?","start":72.655,"end":76.835,"sentiment":"neutral","sentiment_score":0.040574138185807636}],"sentiment":"neutral","sentiment_score":0.164251975218455,"num_words":60,"start":57.059998,"end":76.835},{"sentences":[{"text":"Cool.","start":80.735,"end":81.235,"sentiment":"neutral","sentiment_score":0.15539145469665527},{"text":"So there's the car, the caravan, and how much is left on the credit card now?","start":81.65,"end":85.43,"sentiment":"neutral","sentiment_score":0.1036792160011828},{"text":"Yep.","start":89.41,"end":89.89,"sentiment":"neutral","sentiment_score":0.08405992388725281},{"text":"10.","start":89.89,"end":90.39,"sentiment":"neutral","sentiment_score":0.1103672981262207},{"text":"Easy done.","start":90.770004,"end":91.75,"sentiment":"neutral","sentiment_score":0.22828158736228943}],"sentiment":"neutral","sentiment_score":0.11739282416445869,"num_words":21,"start":80.735,"end":91.75},{"sentences":[{"text":"Now, obviously, previously, we had you, like, sheet metal workers, that kind of thing.","start":93.89,"end":99.455,"sentiment":"neutral","sentiment_score":0.0367262600255864},{"text":"What's your kind of main idea and plan for the next couple of years?","start":99.675,"end":102.395004,"sentiment":"neutral","sentiment_score":0.08488984672086579},{"text":"Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts?","start":102.395004,"end":109.055,"sentiment":"neutral","sentiment_score":0.05959931091853866},{"text":"And you mentioned your knees too, I think.","start":117.46,"end":119.4,"sentiment":"neutral","sentiment_score":-0.24991128966212273},{"text":"Sounds good.","start":131.235,"end":131.955,"sentiment":"positive","sentiment_score":0.5009622126817703}],"sentiment":"neutral","sentiment_score":0.03560678457411436,"num_words":65,"start":93.89,"end":131.955},{"sentences":[{"text":"So our main job then for you is basically, like, what?","start":131.955,"end":135.795,"sentiment":"positive","sentiment_score":0.40719411048022186},{"text":"Get some nice, safe growth out of the super that's above what the bank would pay you and just have it there ready for you to access when you need it.","start":135.795,"end":143.65001,"sentiment":"positive","sentiment_score":0.48344305830617107},{"text":"Cool.","start":146.11,"end":146.61,"sentiment":"positive","sentiment_score":0.5648951530456543},{"text":"One thing I wanna do is there's a couple of investments I wanna kind of tweak because when you're like, you've obviously hit 65, so you've got full access to your super.","start":147.15001,"end":155.83499,"sentiment":"neutral","sentiment_score":0.2454715771600604},{"text":"Right?","start":155.83499,"end":156.075,"sentiment":"neutral","sentiment_score":0.15788641571998596}],"sentiment":"positive","sentiment_score":0.3689966060613331,"num_words":76,"start":131.955,"end":156.075},{"sentences":[{"text":"Does that ring a bell?","start":156.075,"end":157.135,"sentiment":"neutral","sentiment_score":0.07222922816872597},{"text":"So when you're at that kind of 65 point, I need to make sure that it's pretty safe what we've got you invested in.","start":159.19499,"end":165.19499,"sentiment":"neutral","sentiment_score":0.02735686767846346},{"text":"So because you got a $130 now, I don't want you calling us up in three months' time and there's $70 in there because the stock market crashed, if that makes sense.","start":165.19499,"end":173.47,"sentiment":"neutral","sentiment_score":-0.26442674291320145},{"text":"So the main thing for you is risk level.","start":176.97,"end":179.63,"sentiment":"neutral","sentiment_score":-0.010220500330130259},{"text":"You've got half of your money invested in, like, growth assets, like shares, property, and gold, and the other half is in the safer side of things.","start":179.865,"end":187.30501,"sentiment":"neutral","sentiment_score":0.011180561208338649}],"sentiment":"neutral","sentiment_score":-0.07457787792207961,"num_words":97,"start":156.075,"end":187.30501},{"sentences":[{"text":"So we kind of call that, like, a moderate, like, a two out of five on the risk scale, if that makes sense.","start":187.30501,"end":193.05,"sentiment":"neutral","sentiment_score":0.0336199145278205},{"text":"So, basically, a little bit above the banks, but not medium to high risk.","start":196.17,"end":200.35,"sentiment":"neutral","sentiment_score":0.047649656023297994},{"text":"What I'm basically gonna do with that one is there's one investment option.","start":202.49,"end":206.09,"sentiment":"neutral","sentiment_score":0.11915148049592972},{"text":"You've got a bunch of term deposits in there.","start":206.09,"end":207.915,"sentiment":"neutral","sentiment_score":0.09422169853415754},{"text":"One of them is being phased out next year by the government, so I just gotta get a bit of a switch going for that one.","start":208.39499,"end":213.61499,"sentiment":"neutral","sentiment_score":-0.07042312034620689}],"sentiment":"neutral","sentiment_score":0.02360372497316669,"num_words":85,"start":187.30501,"end":213.61499},{"sentences":[{"text":"And there's one Australian shares option that's kind of been a little bit risky.","start":215.75499,"end":219.11499,"sentiment":"neutral","sentiment_score":-0.21488616402660096},{"text":"It's kind of been jumping up and down a little bit more than all the other options.","start":219.11499,"end":223.34001,"sentiment":"neutral","sentiment_score":-0.2882630456896389},{"text":"So if you're comfortable with that risk level, I'm pretty much gonna put together a new plan for you, and it's gonna include, I wanna switch out this one and that one.","start":225.40001,"end":234.04001,"sentiment":"neutral","sentiment_score":0.14914086472708732},{"text":"This is what I think you should invest in, and then I can kinda give that to you in writing so you can see before we touch anything.","start":234.04001,"end":239.535,"sentiment":"neutral","sentiment_score":0.2290599351482732},{"text":"Is that alright?","start":239.535,"end":240.435,"sentiment":"neutral","sentiment_score":0.14129593968391418}],"sentiment":"neutral","sentiment_score":0.03937442129121182,"num_words":94,"start":215.75499,"end":240.435},{"sentences":[{"text":"Yeah.","start":247.775,"end":248.13,"sentiment":"neutral","sentiment_score":0.2198416292667389},{"text":"Absolutely.","start":252.37001,"end":252.87001,"sentiment":"positive","sentiment_score":0.3616793751716614},{"text":"So what I'm basically trying to do is I'm not gonna change it from that moderate risk profile, but I'm gonna change the investment so they're a bit less risky than the ones that are currently in there.","start":253.01001,"end":266.215,"sentiment":"neutral","sentiment_score":0.03376800973752612},{"text":"Cool.","start":266.215,"end":266.615,"sentiment":"positive","sentiment_score":0.3894256353378296},{"text":"So Yep.","start":266.615,"end":275.05002,"sentiment":"neutral","sentiment_score":0.22431864589452744}],"sentiment":"neutral","sentiment_score":0.0628550767811925,"num_words":43,"start":247.775,"end":275.05002},{"sentences":[{"text":"Cool.","start":281.03,"end":281.53,"sentiment":"neutral","sentiment_score":0.30066895484924316},{"text":"Well, I'll talk to the investment committee.","start":281.83002,"end":283.51,"sentiment":"neutral","sentiment_score":0.11047026195696422},{"text":"We've got a few comparisons to do, and then I've got a few ideas that I wanna put together for you.","start":283.51,"end":291.565,"sentiment":"neutral","sentiment_score":0.1458526292727107},{"text":"Is is there anything else that you kind of need to focus on the next year or two besides, obviously, the caravan, your health, and then getting through to 67 for the age pension?","start":291.745,"end":300.21,"sentiment":"neutral","sentiment_score":0.14225479544085615},{"text":"Easy done.","start":305.49,"end":306.05,"sentiment":"positive","sentiment_score":0.37992995232343674}],"sentiment":"neutral","sentiment_score":0.14974444542939847,"num_words":65,"start":281.03,"end":306.05},{"sentences":[{"text":"So I'm not playing around with anything crazy trying to get you insurance policies or life insurance or disability insurance or anything like that.","start":306.05,"end":312.69,"sentiment":"neutral","sentiment_score":-0.1852892367169261},{"text":"We're just gonna make the super nice and safe.","start":312.69,"end":315.295,"sentiment":"neutral","sentiment_score":0.15290191190110314},{"text":"Cool.","start":318.075,"end":318.575,"sentiment":"positive","sentiment_score":0.47782987356185913},{"text":"What about just quickly on estate planning side of things?","start":320.475,"end":323.45502,"sentiment":"neutral","sentiment_score":0.08860782012343407},{"text":"Did you end up getting, like, a will in place?","start":324.315,"end":326.55,"sentiment":"neutral","sentiment_score":0.05750820003449917}],"sentiment":"neutral","sentiment_score":-0.02095989627694642,"num_words":54,"start":306.05,"end":326.55},{"sentences":[{"text":"No.","start":331.27,"end":331.50998,"sentiment":"neutral","sentiment_score":-0.0661657378077507},{"text":"That's fair.","start":331.50998,"end":332.15,"sentiment":"neutral","sentiment_score":0.018185172230005264},{"text":"I just wanted to ask you for the super if you wanted me to put on, like, a beneficiary nomination for who the super goes to.","start":332.15,"end":337.93,"sentiment":"neutral","sentiment_score":0.10467821904099904},{"text":"I don't see it on there.","start":342.265,"end":343.80502,"sentiment":"neutral","sentiment_score":-0.04605167545378208},{"text":"I'll double check when you last put it on, and Kathy's gonna go on there.","start":343.945,"end":350.52502,"sentiment":"neutral","sentiment_score":0.013090625529487927}],"sentiment":"neutral","sentiment_score":0.052237752638757226,"num_words":50,"start":331.27,"end":350.52502},{"sentences":[{"text":"Kathy Royston, which obviously spouse and then a 100%, that kind of thing.","start":353.785,"end":359.41998,"sentiment":"neutral","sentiment_score":-0.0014173397077963902},{"text":"Cool.","start":361.15997,"end":361.65997,"sentiment":"neutral","sentiment_score":0.17844486236572266},{"text":"If I need to get that updated, can I post you out a form and we'll prefill it a little bit for you?","start":361.96,"end":366.62,"sentiment":"neutral","sentiment_score":0.1482563734702442},{"text":"Cool.","start":369.47998,"end":369.915,"sentiment":"neutral","sentiment_score":0.19460323452949524},{"text":"Outside of that, quick reminder on, obviously, the will and the power of attorney, everything, which obviously you're not ready for that yet, but we'll sort out the fishery.","start":370.875,"end":379.215,"sentiment":"neutral","sentiment_score":0.05876219195538554}],"sentiment":"neutral","sentiment_score":0.08162123637635317,"num_words":67,"start":353.785,"end":379.215},{"sentences":[{"text":"And is there anything else that you can think of?","start":382.23502,"end":385.1,"sentiment":"neutral","sentiment_score":0.04056830313056707},{"text":"Cool.","start":390.2,"end":390.6,"sentiment":"neutral","sentiment_score":0.221830815076828},{"text":"So just to let you know a couple of things I've sent through to you on the email so you've got it there.","start":390.6,"end":395.835,"sentiment":"neutral","sentiment_score":0.22411894150402234},{"text":"I'll obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance, and the new service guide with Ophir.","start":396.235,"end":407.215,"sentiment":"neutral","sentiment_score":0.15679339525000802},{"text":"Now we've still got you listed as a client with us until July of next year.","start":409.33002,"end":413.83002,"sentiment":"neutral","sentiment_score":0.10946423019049689}],"sentiment":"neutral","sentiment_score":0.1529200714718126,"num_words":79,"start":382.23502,"end":413.83002},{"sentences":[{"text":"So there's you're already paying 1.65 fees to us.","start":414.69,"end":418.63,"sentiment":"neutral","sentiment_score":0.0032480767565882867},{"text":"We're changing the structure next year to try and get some discounts above 200,000, but we'll, you know, we'll see how we go on the balance and the growth as well.","start":419.65002,"end":428.98502,"sentiment":"neutral","sentiment_score":0.09136895102358633},{"text":"Cool.","start":432.085,"end":432.565,"sentiment":"positive","sentiment_score":0.42800578474998474},{"text":"Is there any other kind of withdrawals or anything that you need me to sort out or just kinda leave it alone and just get the investment sorted?","start":432.565,"end":450.09,"sentiment":"neutral","sentiment_score":0.06941643636673689},{"text":"Cool.","start":450.31,"end":450.81,"sentiment":"neutral","sentiment_score":0.30578964948654175}],"sentiment":"neutral","sentiment_score":0.07913036892922329,"num_words":70,"start":414.69,"end":450.81},{"sentences":[{"text":"And just to give you a little bit of an update on what I was looking at figures wise, there was two thirty seven previously.","start":451.30502,"end":458.36502,"sentiment":"neutral","sentiment_score":0.11771105021238328},{"text":"Obviously, we had the three withdrawals, fifty, forty, and 30.","start":458.42502,"end":461.64502,"sentiment":"neutral","sentiment_score":0.07487921081483365},{"text":"But we've had another $10,000 worth of growth on top of the 3,000 worth of contributions that you did recently before you stopped work.","start":462.825,"end":470.87,"sentiment":"neutral","sentiment_score":0.13000554723354676},{"text":"Alright?","start":473.09,"end":473.59,"sentiment":"neutral","sentiment_score":0.05427074432373047},{"text":"It's sitting a little bit flat at the moment.","start":474.53,"end":476.13,"sentiment":"neutral","sentiment_score":-0.3275153322352303}],"sentiment":"neutral","sentiment_score":0.05678745291695215,"num_words":69,"start":451.30502,"end":476.13},{"sentences":[{"text":"Obviously, the stock market's kind of exploding.","start":476.13,"end":478.15,"sentiment":"negative","sentiment_score":-0.4252195230552128},{"text":"The world's going on fire.","start":478.305,"end":480.305,"sentiment":"negative","sentiment_score":-0.4479986071586609},{"text":"But, again, like I said, there's a few things ideas that we've got that should stabilize it, make it a bit safer for you.","start":480.305,"end":486.725,"sentiment":"neutral","sentiment_score":-0.05416925561924776},{"text":"Yeah.","start":491.12,"end":491.44,"sentiment":"neutral","sentiment_score":-0.00954638421535492},{"text":"And the main thing is yeah.","start":491.44,"end":500.15997,"sentiment":"neutral","sentiment_score":0.02784118118385474}],"sentiment":"neutral","sentiment_score":-0.14788584021288295,"num_words":43,"start":476.13,"end":500.15997},{"sentences":[{"text":"Yeah.","start":500.15997,"end":500.47998,"sentiment":"neutral","sentiment_score":-0.003026466816663742},{"text":"And my my struggle at the moment is trying to get people super a little bit but without risking all of it.","start":500.47998,"end":506.445,"sentiment":"neutral","sentiment_score":-0.1965677724643187},{"text":"And, you know, you can expect something to blow up again this year or next year, and we need to make sure it's not too big of a deal.","start":506.765,"end":512.385,"sentiment":"neutral","sentiment_score":-0.20705701975986876},{"text":"Cool.","start":516.365,"end":516.865,"sentiment":"neutral","sentiment_score":0.23033931851387024},{"text":"If anything major happens and things do kind of explode a little bit, we can always turn down the risk another peg.","start":518.205,"end":523.73004,"sentiment":"neutral","sentiment_score":-0.1150959540497173}],"sentiment":"neutral","sentiment_score":-0.16845256939530373,"num_words":75,"start":500.15997,"end":523.73004},{"sentences":[{"text":"But for now, I'll just work on those options, and then we'll talk again.","start":523.79004,"end":527.25,"sentiment":"neutral","sentiment_score":0.03083988611719438},{"text":"Awesome, mate.","start":532.43005,"end":533.205,"sentiment":"positive","sentiment_score":0.7794996798038483},{"text":"Now that pack that I've sent out to you, there's nothing to sign in there.","start":533.685,"end":536.72504,"sentiment":"neutral","sentiment_score":0.232489080230395},{"text":"It's just for your records.","start":536.72504,"end":538.025,"sentiment":"neutral","sentiment_score":0.14595410525798796},{"text":"But if you've got any questions, just give us a buzz.","start":538.16504,"end":540.805,"sentiment":"neutral","sentiment_score":0.08368323811075905}],"sentiment":"neutral","sentiment_score":0.15166766200452408,"num_words":47,"start":523.79004,"end":540.805},{"sentences":[{"text":"I'll get the team to post out the beneficiaries.","start":540.805,"end":542.825,"sentiment":"neutral","sentiment_score":0.1198227165473832},{"text":"Can I just double check to make sure we get the details correct on it?","start":545.86,"end":549.96,"sentiment":"neutral","sentiment_score":0.06081808159748713},{"text":"Kathy's date of 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Kathy.","start":600.945,"end":602.44,"sentiment":"neutral","sentiment_score":-0.030013184728366987}],"sentiment":"neutral","sentiment_score":0.0168643709556717,"num_words":72,"start":578.01,"end":602.44},{"sentences":[{"text":"That's all?","start":602.44,"end":605.10004,"sentiment":"neutral","sentiment_score":-0.011388791725039482},{"text":"Cool.","start":605.88,"end":606.28,"sentiment":"neutral","sentiment_score":0.17535468935966492},{"text":"Alright.","start":606.28,"end":606.52,"sentiment":"neutral","sentiment_score":0.20424064993858335},{"text":"I'll get that sent out straight away.","start":606.52,"end":607.96,"sentiment":"neutral","sentiment_score":0.3035749154431479},{"text":"So, hopefully, you should get that next week.","start":607.96,"end":610.06006,"sentiment":"neutral","sentiment_score":0.23941954039037228}],"sentiment":"neutral","sentiment_score":0.23143149931964122,"num_words":19,"start":602.44,"end":610.06006},{"sentences":[{"text":"And I'll be talking to you in a few weeks just with those updated investments.","start":611.4,"end":614.62006,"sentiment":"neutral","sentiment_score":0.1168510526418686},{"text":"Awesome, Nick.","start":617.885,"end":618.525,"sentiment":"positive","sentiment_score":0.8583598732948303},{"text":"Have a fantastic day.","start":618.525,"end":619.485,"sentiment":"positive","sentiment_score":0.8443553447723389},{"text":"Enjoy the caravan, mate.","start":619.485,"end":620.525,"sentiment":"positive","sentiment_score":0.7933655828237534},{"text":"I'll talk to you soon.","start":620.525,"end":621.505,"sentiment":"positive","sentiment_score":0.4865107536315918}],"sentiment":"positive","sentiment_score":0.41509743382533393,"num_words":30,"start":611.4,"end":621.505},{"sentences":[{"text":"Thank 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You're alright, mate. I was just out. I'm like, I'm down at the caravan doing a bit of maintenance. I was outside doing something with the droolbar. Yeah. Yeah. Thank you. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Not quite, but nearly did. Sure. No. I'm I'm I'm just I'm I I don't wanna go back to work. I'm freaking my feet are knackered. Me back's knackered. Yeah. I'm I'm my I'm pregnant. I thought I'm down here now sorting this freaking being out so I can hook up and go away again for a few months. Yes. Yeah. Yeah. No. Yes. Exactly. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. K. Yeah. You might use it as the ones who know more about it. Like, so I know nothing about it. Yeah. What what you think is the best, go with it. Yeah. Yeah. I know you're alright, mate. You go for it. I I think when I can't remember the Blake I had when I first transferred me through forever, and he was pretty good, dude. So I said, well, you just go which way you think is the best. That was it. Yeah. K. No worries. That's that's all I'm wiring about, like, getting a sixty second. No. I've got, like, I've got I've got all insurances set up. They're alright. Yeah. I haven't done mine yet. I'm not breaking ready yet. Yeah. Yeah. It's beneficial. It should be Kathy Royston already. Yeah. It should be Kathy Royston on there. Friggin' yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Not a problem, mate. Not a problem. K. I'm not no. There's nothing at all, Mike. K. K. K. K. K. Yeah. Yeah. Yeah. No worries, mate. Just just just leave it for now. I'm forgetting like, it's not a point. Keep giggling and giggling. That just wave it up once in half an hour. That's all. Yeah. Yeah. I know. It's like the world's just gone bonkers, mate. Yeah. I've got you're gonna take you're gonna take a second mortgage out to take to tell you care of it now. Yeah. No problem. Yeah. Yeah. What whatever you think is the best, mate, you go for it. Yeah. Yeah. No worries, Tommy. No worries. I think I think he's '67. I first of May sixty seven. '7. Yeah. Yeah. C C H Y, Cap A Right. It's yeah. Yes. K. Oh, I just believe it continues, mate. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. No. No worries. What? Yeah. Yes. No worries, mate. Cheers. You too, mate. 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You're alright, mate. I was just out. I'm like, I'm down at the caravan doing a bit of maintenance. I was outside doing something with the droolbar.\n\nYeah. Yeah. Thank you. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Not quite, but nearly did. Sure. No. I'm I'm I'm just I'm I I don't wanna go back to work.\n\nI'm freaking my feet are knackered. Me back's knackered. Yeah. I'm I'm my I'm pregnant. I thought I'm down here now sorting this freaking being out so I can hook up and go away again for a few months.\n\nYes. Yeah. Yeah. No. Yes.\n\nExactly. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. K. Yeah. You might use it as the ones who know more about it.\n\nLike, so I know nothing about it. Yeah. What what you think is the best, go with it. Yeah. Yeah.\n\nI know you're alright, mate. You go for it. I I think when I can't remember the Blake I had when I first transferred me through forever, and he was pretty good, dude. So I said, well, you just go which way you think is the best. That was it.\n\nYeah. K. No worries. That's that's all I'm wiring about, like, getting a sixty second. No.\n\nI've got, like, I've got I've got all insurances set up. They're alright. Yeah. I haven't done mine yet. I'm not breaking ready yet.\n\nYeah. Yeah. It's beneficial. It should be Kathy Royston already. Yeah.\n\nIt should be Kathy Royston on there. Friggin' yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Not a problem, mate. Not a problem. K.\n\nI'm not no. There's nothing at all, Mike. K. K. K.\n\nK. K. Yeah. Yeah. Yeah.\n\nNo worries, mate. Just just just leave it for now. I'm forgetting like, it's not a point. Keep giggling and giggling. That just wave it up once in half an hour.\n\nThat's all. Yeah. Yeah. I know. It's like the world's just gone bonkers, mate.\n\nYeah. I've got you're gonna take you're gonna take a second mortgage out to take to tell you care of it now. Yeah. No problem. Yeah.\n\nYeah. What whatever you think is the best, mate, you go for it. Yeah. Yeah. No worries, Tommy.\n\nNo worries. I think I think he's '67. I first of May sixty seven. '7. Yeah.\n\nYeah. C C H Y, Cap A Right. It's yeah. Yes. K.\n\nOh, I just believe it continues, mate. Yeah. Yeah. Yeah. Yeah.\n\nAlright. Yeah. No. No worries. What?\n\nYeah. Yes. No worries, mate. Cheers. You too, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.34747815132141113},{"text":"You're alright, mate.","start":6.7999997,"end":7.3999996,"sentiment":"positive","sentiment_score":0.35080597798029584},{"text":"I was just out.","start":7.3999996,"end":8.4,"sentiment":"neutral","sentiment_score":0.06066790595650673},{"text":"I'm like, I'm down at the caravan doing a bit of maintenance.","start":8.4,"end":11.679999,"sentiment":"neutral","sentiment_score":0.06048007858529066},{"text":"I was outside doing something with the 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mate.","start":622.51996,"end":623.24,"sentiment":"positive","sentiment_score":0.37464064359664917}],"sentiment":"neutral","sentiment_score":0.2656806798444854,"num_words":9,"start":610.705,"end":623.24},{"sentences":[{"text":"Bye.","start":623.24,"end":623.74,"sentiment":"neutral","sentiment_score":0.25573837757110596}],"sentiment":"neutral","sentiment_score":0.25573837757110596,"num_words":1,"start":623.24,"end":623.74}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good day, Nick. You're through to Tommy, mate. Thank you so much for calling back through.\n\nChannel 1: Yeah. You're alright, mate. I was just out. I'm like, I'm down at the caravan doing a bit of maintenance. I was outside doing something with the droolbar.\n\nChannel 0: No worries at all. Well, thank you so much for calling back in, mate. Really appreciate that. Cool. Cool.\n\nSo what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted\n\nChannel 1: Yeah.\n\nChannel 0: to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright. Cool. So I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it.\n\nChannel 1: Yeah. Thank\n\nChannel 0: So\n\nChannel 1: you.\n\nChannel 0: that'll go through to the Gmail. Is that still your main email address?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah.\n\nChannel 0: Cool. Alrighty. Now what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go. Cool. Cool.\n\nSo we did that withdrawal a little while ago. Just wondering,\n\nChannel 1: Yeah.\n\nChannel 0: that kind of cleared the credit card out and everything, didn't it?\n\nChannel 1: Yeah. Not quite, but nearly did. Sure.\n\nChannel 0: Cool. So there's the car, the caravan, and how much is left on the credit card now? Yep. 10. Easy done.\n\nNow, obviously, previously, we had you, like, sheet metal workers, that kind of thing. What's your kind of main idea and plan for the next couple of years? Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts?\n\nChannel 1: No. I'm I'm I'm just I'm I I don't wanna go back to work. I'm freaking my feet are knackered. Me back's knackered.\n\nChannel 0: And you mentioned your knees too, I think.\n\nChannel 1: Yeah. I'm I'm my I'm pregnant. I thought I'm down here now sorting this freaking being out so I can hook up and go away again for a few months.\n\nChannel 0: Sounds good. So our main job then for you is basically, like, what? Get some nice, safe growth out of the super that's above what the bank would pay you\n\nChannel 1: Yes.\n\nChannel 0: and just have it there ready for you to access when you need it. Cool. One thing I wanna do is there's a couple of investments I wanna kind of tweak because when you're like, you've obviously hit 65, so you've got full access to your super. Right? Does that ring a bell?\n\nSo when you're at that kind of 65 point, I need to make sure that it's pretty safe what we've got you invested in. So because you got a $130 now, I don't want\n\nChannel 1: Yeah.\n\nChannel 0: you calling us up in three months' time and there's $70 in there because the stock market crashed, if that makes sense.\n\nChannel 1: Yeah. No. Yes. Exactly. Yes.\n\nYes.\n\nChannel 0: So the main thing for you is risk level. You've got half of your money invested in, like, growth assets, like shares, property, and gold, and the other half is in the safer side of things. So we kind\n\nChannel 1: Yes.\n\nChannel 0: of call that, like, a moderate, like, a two out of five on the risk scale, if that makes sense.\n\nChannel 1: Yes. Yes. Yes. Yes. Yes.\n\nYes. Yes.\n\nChannel 0: So, basically, a little bit above the banks, but not medium to high risk. What I'm\n\nChannel 1: Yes.\n\nChannel 0: basically gonna do with that one is there's one investment option. You've got a bunch of term deposits in there. One of them is being phased out next year by the government, so I just gotta get a bit of a switch going for that one. And there's one Australian shares option that's kind of been a little bit risky. It's kind of been jumping up and down a little bit more than all the other options.\n\nChannel 1: K.\n\nChannel 0: So if you're comfortable with that risk level, I'm pretty much gonna put together a new plan for you, and it's gonna include, I wanna switch out this one and that one. This is what I think you should invest in, and then I can kinda give that to you in writing so you can see before we touch anything. Is that alright?\n\nChannel 1: Yeah. You might use it as the ones who know more about it. Like, so I know nothing about it. Yeah. What\n\nChannel 0: Yeah.\n\nChannel 1: what you think is the best, go with it.\n\nChannel 0: Absolutely. So what I'm basically trying to do is I'm not gonna change it from that moderate risk profile, but I'm gonna change the investment so they're a bit less risky than the ones that are currently in\n\nChannel 1: Yeah. Yeah. I know you're alright, mate. You go for it. I\n\nChannel 0: there. Cool.\n\nChannel 1: I think\n\nChannel 0: So\n\nChannel 1: when I can't remember the Blake I had when I first transferred me through forever, and he was\n\nChannel 0: Yep.\n\nChannel 1: pretty good, dude. So I said, well, you just go which way you think is the best. That was it.\n\nChannel 0: Cool. Well, I'll talk to\n\nChannel 1: Yeah.\n\nChannel 0: the investment committee. We've got a few comparisons to do, and then I've got a few ideas that I wanna put together\n\nChannel 1: K.\n\nChannel 0: for\n\nChannel 1: No worries.\n\nChannel 0: you. Is is there anything else that you kind of need to focus on the next year or two besides, obviously, the caravan, your health, and then getting through to 67 for the age pension?\n\nChannel 1: That's that's all I'm wiring about, like, getting a sixty second.\n\nChannel 0: Easy done. So I'm not playing around with anything crazy trying to get you insurance policies or life insurance or disability insurance or anything like that. We're\n\nChannel 1: No.\n\nChannel 0: just gonna\n\nChannel 1: I've got,\n\nChannel 0: make\n\nChannel 1: like,\n\nChannel 0: the super\n\nChannel 1: I've\n\nChannel 0: nice\n\nChannel 1: got\n\nChannel 0: and safe.\n\nChannel 1: I've got all insurances set up.\n\nChannel 0: Cool.\n\nChannel 1: They're alright. Yeah.\n\nChannel 0: What about just quickly on estate planning side of things? Did you end up getting, like, a will in place?\n\nChannel 1: I haven't done mine yet. I'm not breaking ready yet.\n\nChannel 0: No. That's fair. I just wanted to ask you for the super if you wanted me to put on, like, a beneficiary nomination for who the super\n\nChannel 1: Yeah.\n\nChannel 0: goes\n\nChannel 1: Yeah.\n\nChannel 0: to.\n\nChannel 1: It's beneficial. It should be Kathy Royston already.\n\nChannel 0: I don't see it on there. I'll double check when you last put it on, and Kathy's gonna go on there.\n\nChannel 1: Yeah. It should be Kathy Royston on there. Friggin'\n\nChannel 0: Kathy Royston,\n\nChannel 1: yeah.\n\nChannel 0: which obviously spouse and then a 100%, that kind of thing.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Cool. If I need to get that updated, can I post you out a form and we'll prefill it a little bit for you?\n\nChannel 1: Yeah. Not a problem, mate. Not a problem.\n\nChannel 0: Cool. Outside of that, quick reminder on, obviously, the will and the power of attorney, everything, which obviously you're not ready for that yet, but we'll\n\nChannel 1: K.\n\nChannel 0: sort out the fishery.\n\nChannel 1: I'm\n\nChannel 0: And is\n\nChannel 1: not\n\nChannel 0: there anything else that you can think of?\n\nChannel 1: no. There's nothing at all, Mike.\n\nChannel 0: Cool. So just to let you know a couple of things I've sent through to you on the email so you've got it there. I'll\n\nChannel 1: K.\n\nChannel 0: obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance,\n\nChannel 1: K.\n\nChannel 0: and the new service guide with Ophir. Now we've still got you listed as a client with us until\n\nChannel 1: K.\n\nChannel 0: July of next year.\n\nChannel 1: K. K.\n\nChannel 0: So there's you're already paying 1.65 fees to us.\n\nChannel 1: Yeah.\n\nChannel 0: We're changing the structure next year to try and get some discounts above 200,000, but we'll, you know, we'll see how we go on\n\nChannel 1: Yeah.\n\nChannel 0: the balance and the growth as well.\n\nChannel 1: Yeah. No worries, mate.\n\nChannel 0: Cool. Is there any other kind of withdrawals\n\nChannel 1: Just\n\nChannel 0: or anything that you need me to sort out or just kinda leave it alone and just get the investment\n\nChannel 1: just just leave it for now. I'm forgetting like, it's not a point. Keep giggling and giggling. That just wave it up once in half an hour.\n\nChannel 0: sorted? Cool. And just to give you a little bit of an update on what I was looking at figures wise, there was two thirty seven previously. Obviously, we had the three withdrawals, fifty, forty, and 30. But we've had another $10,000 worth of growth on top of the 3,000 worth of contributions that you did recently before you stopped work.\n\nChannel 1: That's\n\nChannel 0: Alright?\n\nChannel 1: all.\n\nChannel 0: It's sitting a little bit flat at the moment. Obviously, the stock market's kind of exploding. The world's going on fire. But, again, like I said, there's a few things ideas that we've got that should stabilize it, make it a bit safer for you.\n\nChannel 1: Yeah. Yeah. I know. It's like the world's just gone bonkers, mate. Yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: main\n\nChannel 1: you're\n\nChannel 0: thing is\n\nChannel 1: gonna take you're gonna take a second mortgage out to take to tell you care of it now.\n\nChannel 0: yeah. Yeah. And my my struggle at the moment is trying to get people super a little bit but without risking all of it. And, you know, you can expect something to blow up again this year or next year, and we need to make sure it's not too big of a deal. Cool.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: If anything major happens and things do kind of explode a little bit, we can always turn down the risk\n\nChannel 1: Yeah.\n\nChannel 0: another peg. But for now, I'll just work on those options, and then we'll talk again.\n\nChannel 1: Yeah. What whatever you think is the best, mate, you go for it.\n\nChannel 0: Awesome, mate. Now that pack that I've sent out to you, there's nothing to sign in there. It's just for your records. But if\n\nChannel 1: Yeah.\n\nChannel 0: you've got any questions, just give us a buzz. I'll get the team to post out the beneficiaries.\n\nChannel 1: Yeah. No worries, Tommy. No worries.\n\nChannel 0: Can I just double check to make sure we get the details correct on it?\n\nChannel 1: I\n\nChannel 0: Kathy's date of birth?\n\nChannel 1: think I think he's '67. I\n\nChannel 0: 1967.\n\nChannel 1: first of May sixty seven.\n\nChannel 0: 05/01/1967. And\n\nChannel 1: '7.\n\nChannel 0: that's spelled\n\nChannel 1: Yeah.\n\nChannel 0: c a t h y?\n\nChannel 1: Yeah. C C H Y, Cap A\n\nChannel 0: Yeah. And then Royston is R O Y S T\n\nChannel 1: Right.\n\nChannel 0: o\n\nChannel 1: It's\n\nChannel 0: N.\n\nChannel 1: yeah. Yes.\n\nChannel 0: That's the one. Spouse, 100%. And\n\nChannel 1: K.\n\nChannel 0: do you want that to like, you can choose whether it expires after three years or it's continuous.\n\nChannel 1: Oh, I just believe it continues, mate.\n\nChannel 0: Alright. So we'll do legally binding, and they call that a non lapsing.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: When\n\nChannel 1: Yeah.\n\nChannel 0: you get it, if you have any trouble, just give the team a buzz, but, basically, just need to sign it, get two witnesses to witness your signature on the same day. And one of them\n\nChannel 1: Alright.\n\nChannel 0: can't be Kathy. That's\n\nChannel 1: Yeah. No. No\n\nChannel 0: all?\n\nChannel 1: worries. What?\n\nChannel 0: Cool. Alright. I'll get that sent out straight away. So, hopefully, you should get that next week.\n\nChannel 1: Yeah.\n\nChannel 0: And I'll be talking to you in a few weeks just with those updated\n\nChannel 1: Yes.\n\nChannel 0: investments.\n\nChannel 1: No worries, mate. Cheers.\n\nChannel 0: Awesome, Nick. Have a fantastic day. Enjoy the caravan, mate. I'll talk to you soon.\n\nChannel 1: You too, mate. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Nick.","start":2.48,"end":3.04,"sentiment":"positive","sentiment_score":0.4714563687642415},{"text":"You're through to Tommy, mate.","start":3.04,"end":4.16,"sentiment":"positive","sentiment_score":0.35016406774520875},{"text":"Thank you so much for calling back through.","start":4.16,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6905356422066689}],"sentiment":"positive","sentiment_score":0.5430921614170074,"channel":0,"num_words":16,"start":2.48,"end":5.8599997},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.34747815132141113},{"text":"You're alright, mate.","start":6.7999997,"end":7.3999996,"sentiment":"positive","sentiment_score":0.35080597798029584},{"text":"I was just out.","start":7.3999996,"end":8.4,"sentiment":"neutral","sentiment_score":0.06066790595650673},{"text":"I'm like, I'm down at the caravan doing a bit of maintenance.","start":8.4,"end":11.679999,"sentiment":"neutral","sentiment_score":0.06048007858529066},{"text":"I was outside doing something with the droolbar.","start":11.679999,"end":14.259999,"sentiment":"neutral","sentiment_score":0.03615106409415603}],"sentiment":"neutral","sentiment_score":0.09491204160232362,"channel":1,"num_words":28,"start":6.48,"end":14.259999},{"sentences":[{"text":"No worries at all.","start":15.975,"end":16.855,"sentiment":"neutral","sentiment_score":0.13816669955849648},{"text":"Well, thank you so much for calling back in, mate.","start":16.855,"end":18.455,"sentiment":"positive","sentiment_score":0.6765278041362762},{"text":"Really appreciate that.","start":18.455,"end":19.595001,"sentiment":"positive","sentiment_score":0.6962631742159525},{"text":"Cool.","start":23.175,"end":23.494999,"sentiment":"positive","sentiment_score":0.48603346943855286},{"text":"Cool.","start":23.494999,"end":23.814999,"sentiment":"positive","sentiment_score":0.4146086275577545}],"sentiment":"positive","sentiment_score":0.542493497854785,"channel":0,"num_words":19,"start":15.975,"end":23.814999},{"sentences":[{"text":"So what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted","start":23.814999,"end":30.31,"sentiment":"neutral","sentiment_score":0.14483781112357974}],"sentiment":"neutral","sentiment_score":0.14483781112357974,"channel":0,"num_words":24,"start":23.814999,"end":30.31},{"sentences":[{"text":"Yeah.","start":30.11,"end":30.61,"sentiment":"neutral","sentiment_score":0.11599987745285034}],"sentiment":"neutral","sentiment_score":0.11599987745285034,"channel":1,"num_words":1,"start":30.11,"end":30.61},{"sentences":[{"text":"to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright.","start":30.31,"end":37.29,"sentiment":"neutral","sentiment_score":0.183728503909978},{"text":"Cool.","start":40.71,"end":41.03,"sentiment":"positive","sentiment_score":0.34155258536338806},{"text":"So I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it.","start":41.03,"end":47.555,"sentiment":"neutral","sentiment_score":0.2484663793196281}],"sentiment":"neutral","sentiment_score":0.21323769513902993,"channel":0,"num_words":58,"start":30.31,"end":47.555},{"sentences":[{"text":"Yeah.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.12761420011520386},{"text":"Thank","start":48.515,"end":49.015,"sentiment":"neutral","sentiment_score":0.25045305490493774}],"sentiment":"neutral","sentiment_score":0.1890336275100708,"channel":1,"num_words":2,"start":47.795002,"end":49.015},{"sentences":[{"text":"So","start":49.215,"end":49.295,"sentiment":"neutral","sentiment_score":0.15935233235359192}],"sentiment":"neutral","sentiment_score":0.15935233235359192,"channel":0,"num_words":1,"start":49.215,"end":49.295},{"sentences":[{"text":"you.","start":49.235,"end":49.735,"sentiment":"neutral","sentiment_score":0.16799134016036987}],"sentiment":"neutral","sentiment_score":0.16799134016036987,"channel":1,"num_words":1,"start":49.235,"end":49.735},{"sentences":[{"text":"that'll go through to the Gmail.","start":49.295,"end":50.575,"sentiment":"neutral","sentiment_score":0.15933064619700113},{"text":"Is that still your main email address?","start":50.575,"end":52.275,"sentiment":"neutral","sentiment_score":0.06310242627348218}],"sentiment":"neutral","sentiment_score":0.10751545085356785,"channel":0,"num_words":13,"start":49.295,"end":52.275},{"sentences":[{"text":"Yeah.","start":52.835,"end":53.075,"sentiment":"neutral","sentiment_score":0.04424901306629181},{"text":"Yeah.","start":53.075,"end":53.235,"sentiment":"neutral","sentiment_score":0.04626711457967758},{"text":"Yeah.","start":53.235,"end":53.305,"sentiment":"neutral","sentiment_score":0.054308854043483734},{"text":"Yeah.","start":53.305,"end":53.555,"sentiment":"neutral","sentiment_score":0.07373826205730438},{"text":"Yeah.","start":53.555,"end":53.955,"sentiment":"neutral","sentiment_score":0.10525543987751008}],"sentiment":"neutral","sentiment_score":0.06476373672485351,"channel":1,"num_words":5,"start":52.835,"end":53.955},{"sentences":[{"text":"Yeah.","start":53.955,"end":54.455,"sentiment":"neutral","sentiment_score":0.17522776126861572}],"sentiment":"neutral","sentiment_score":0.17522776126861572,"channel":1,"num_words":1,"start":53.955,"end":54.455},{"sentences":[{"text":"Cool.","start":54.415,"end":54.915,"sentiment":"neutral","sentiment_score":0.3238758444786072},{"text":"Alrighty.","start":55.38,"end":55.88,"sentiment":"neutral","sentiment_score":0.3139404058456421},{"text":"Now what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go.","start":57.059998,"end":65.0,"sentiment":"neutral","sentiment_score":0.22418825115476335},{"text":"Cool.","start":67.22,"end":67.54,"sentiment":"neutral","sentiment_score":0.2870279550552368},{"text":"Cool.","start":67.54,"end":67.935,"sentiment":"neutral","sentiment_score":0.22993358969688416}],"sentiment":"neutral","sentiment_score":0.2308042714228997,"channel":0,"num_words":39,"start":54.415,"end":67.935},{"sentences":[{"text":"So we did that withdrawal a little while ago.","start":68.814995,"end":72.435,"sentiment":"neutral","sentiment_score":0.10261447148190604},{"text":"Just wondering,","start":72.655,"end":73.395,"sentiment":"neutral","sentiment_score":0.03132813051342964}],"sentiment":"neutral","sentiment_score":0.08965331857854669,"channel":0,"num_words":11,"start":68.814995,"end":73.395},{"sentences":[{"text":"Yeah.","start":73.165,"end":73.665,"sentiment":"neutral","sentiment_score":0.04869680851697922}],"sentiment":"neutral","sentiment_score":0.04869680851697922,"channel":1,"num_words":1,"start":73.165,"end":73.665},{"sentences":[{"text":"that kind of cleared the credit card out and everything, didn't it?","start":73.695,"end":76.835,"sentiment":"neutral","sentiment_score":0.0421151394645373}],"sentiment":"neutral","sentiment_score":0.0421151394645373,"channel":0,"num_words":12,"start":73.695,"end":76.835},{"sentences":[{"text":"Yeah.","start":77.244995,"end":77.744995,"sentiment":"neutral","sentiment_score":-0.02619935013353825},{"text":"Not quite, but nearly did.","start":78.045,"end":79.965,"sentiment":"neutral","sentiment_score":-0.08498239368200303},{"text":"Sure.","start":79.965,"end":80.465,"sentiment":"neutral","sentiment_score":0.1422620415687561}],"sentiment":"neutral","sentiment_score":-0.04412132528211389,"channel":1,"num_words":7,"start":77.244995,"end":80.465},{"sentences":[{"text":"Cool.","start":80.735,"end":81.235,"sentiment":"neutral","sentiment_score":0.15539145469665527},{"text":"So there's the car, the caravan, and how much is left on the credit card now?","start":81.65,"end":85.43,"sentiment":"neutral","sentiment_score":0.1036792160011828},{"text":"Yep.","start":89.41,"end":89.89,"sentiment":"neutral","sentiment_score":0.08405992388725281},{"text":"10.","start":89.89,"end":90.39,"sentiment":"neutral","sentiment_score":0.1103672981262207},{"text":"Easy done.","start":90.770004,"end":91.75,"sentiment":"neutral","sentiment_score":0.22828158736228943}],"sentiment":"neutral","sentiment_score":0.11739282416445869,"channel":0,"num_words":21,"start":80.735,"end":91.75},{"sentences":[{"text":"Now, obviously, previously, we had you, like, sheet metal workers, that kind of thing.","start":93.89,"end":99.455,"sentiment":"neutral","sentiment_score":0.0367262600255864},{"text":"What's your kind of main idea and plan for the next couple of years?","start":99.675,"end":102.395004,"sentiment":"neutral","sentiment_score":0.08488984672086579},{"text":"Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts?","start":102.395004,"end":109.055,"sentiment":"neutral","sentiment_score":0.05959931091853866}],"sentiment":"neutral","sentiment_score":0.06021467071365227,"channel":0,"num_words":55,"start":93.89,"end":109.055},{"sentences":[{"text":"No.","start":109.505,"end":109.665,"sentiment":"neutral","sentiment_score":-0.04282162711024285},{"text":"I'm I'm I'm just I'm I I don't wanna go back to work.","start":109.665,"end":113.03,"sentiment":"negative","sentiment_score":-0.40669563298042005},{"text":"I'm freaking my feet are knackered.","start":113.03,"end":115.37,"sentiment":"negative","sentiment_score":-0.6833856602509817},{"text":"Me back's knackered.","start":115.67,"end":116.81,"sentiment":"negative","sentiment_score":-0.528883179028829}],"sentiment":"negative","sentiment_score":-0.4789925371499165,"channel":1,"num_words":23,"start":109.505,"end":116.81},{"sentences":[{"text":"And you mentioned your knees too, I 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it.","start":280.185,"end":281.085,"sentiment":"neutral","sentiment_score":0.09945355852444966}],"sentiment":"neutral","sentiment_score":0.27839738950133325,"channel":1,"num_words":20,"start":274.745,"end":281.085},{"sentences":[{"text":"Cool.","start":281.03,"end":281.53,"sentiment":"neutral","sentiment_score":0.30066895484924316},{"text":"Well, I'll talk to","start":281.83002,"end":282.71002,"sentiment":"neutral","sentiment_score":0.10967343673110008}],"sentiment":"neutral","sentiment_score":0.1478725403547287,"channel":0,"num_words":5,"start":281.03,"end":282.71002},{"sentences":[{"text":"Yeah.","start":282.585,"end":283.085,"sentiment":"neutral","sentiment_score":0.0990508794784546}],"sentiment":"neutral","sentiment_score":0.0990508794784546,"channel":1,"num_words":1,"start":282.585,"end":283.085},{"sentences":[{"text":"the investment committee.","start":282.71002,"end":283.51,"sentiment":"neutral","sentiment_score":0.11153269559144974},{"text":"We've got a few comparisons to do, and then I've got a few ideas that I wanna put together","start":283.51,"end":290.205,"sentiment":"neutral","sentiment_score":0.1497368749819304}],"sentiment":"neutral","sentiment_score":0.14452721415595574,"channel":0,"num_words":22,"start":282.71002,"end":290.205},{"sentences":[{"text":"K.","start":290.25,"end":290.65,"sentiment":"neutral","sentiment_score":0.14039090275764465}],"sentiment":"neutral","sentiment_score":0.14039090275764465,"channel":1,"num_words":1,"start":290.25,"end":290.65},{"sentences":[{"text":"for","start":290.385,"end":290.885,"sentiment":"neutral","sentiment_score":0.06575057655572891}],"sentiment":"neutral","sentiment_score":0.06575057655572891,"channel":0,"num_words":1,"start":290.385,"end":290.885},{"sentences":[{"text":"No 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it?","start":545.86,"end":549.96,"sentiment":"neutral","sentiment_score":0.06081808159748713}],"sentiment":"neutral","sentiment_score":0.06081808159748713,"channel":0,"num_words":15,"start":545.86,"end":549.96},{"sentences":[{"text":"I","start":550.41504,"end":550.91504,"sentiment":"neutral","sentiment_score":0.00487920455634594}],"sentiment":"neutral","sentiment_score":0.00487920455634594,"channel":1,"num_words":1,"start":550.41504,"end":550.91504},{"sentences":[{"text":"Kathy's date of birth?","start":551.78,"end":553.24,"sentiment":"neutral","sentiment_score":0.003777033125516027}],"sentiment":"neutral","sentiment_score":0.003777033125516027,"channel":0,"num_words":4,"start":551.78,"end":553.24},{"sentences":[{"text":"think I think he's '67.","start":555.055,"end":556.995,"sentiment":"neutral","sentiment_score":0.0019672902766615153},{"text":"I","start":557.25,"end":557.75,"sentiment":"neutral","sentiment_score":0.0037128818221390247}],"sentiment":"neutral","sentiment_score":0.002258222200907767,"channel":1,"num_words":6,"start":555.055,"end":557.75},{"sentences":[{"text":"1967.","start":558.02,"end":559.425,"sentiment":"neutral","sentiment_score":0.00449036993086338}],"sentiment":"neutral","sentiment_score":0.00449036993086338,"channel":0,"num_words":1,"start":558.02,"end":559.425},{"sentences":[{"text":"first of May sixty seven.","start":558.69,"end":560.71,"sentiment":"neutral","sentiment_score":0.007869134843349456}],"sentiment":"neutral","sentiment_score":0.007869134843349456,"channel":1,"num_words":5,"start":558.69,"end":560.71},{"sentences":[{"text":"05/01/1967.","start":561.345,"end":563.02496,"sentiment":"neutral","sentiment_score":0.007734959945082664},{"text":"And","start":563.02496,"end":563.265,"sentiment":"neutral","sentiment_score":0.010383320972323418}],"sentiment":"neutral","sentiment_score":0.009059140458703041,"channel":0,"num_words":2,"start":561.345,"end":563.265},{"sentences":[{"text":"'7.","start":563.25,"end":563.65,"sentiment":"neutral","sentiment_score":0.009248322807252409}],"sentiment":"neutral","sentiment_score":0.009248322807252409,"channel":1,"num_words":1,"start":563.25,"end":563.65},{"sentences":[{"text":"that's spelled","start":563.265,"end":564.005,"sentiment":"neutral","sentiment_score":0.011482227593660355}],"sentiment":"neutral","sentiment_score":0.011482227593660355,"channel":0,"num_words":2,"start":563.265,"end":564.005},{"sentences":[{"text":"Yeah.","start":563.65,"end":564.15,"sentiment":"neutral","sentiment_score":0.014507336542010307}],"sentiment":"neutral","sentiment_score":0.014507336542010307,"channel":1,"num_words":1,"start":563.65,"end":564.15},{"sentences":[{"text":"c a t h y?","start":564.785,"end":566.565,"sentiment":"neutral","sentiment_score":0.008527212776243687}],"sentiment":"neutral","sentiment_score":0.008527212776243687,"channel":0,"num_words":5,"start":564.785,"end":566.565},{"sentences":[{"text":"Yeah.","start":567.65,"end":568.05,"sentiment":"neutral","sentiment_score":0.01129618752747774},{"text":"C C H Y, Cap A","start":568.05,"end":570.23,"sentiment":"neutral","sentiment_score":0.008993470420440039}],"sentiment":"neutral","sentiment_score":0.00932243000715971,"channel":1,"num_words":7,"start":567.65,"end":570.23},{"sentences":[{"text":"Yeah.","start":570.46497,"end":570.625,"sentiment":"neutral","sentiment_score":0.01979867182672024},{"text":"And then Royston is R O Y S T","start":570.625,"end":572.785,"sentiment":"neutral","sentiment_score":0.01721854114698039}],"sentiment":"neutral","sentiment_score":0.017476554214954376,"channel":0,"num_words":10,"start":570.46497,"end":572.785},{"sentences":[{"text":"Right.","start":572.675,"end":572.995,"sentiment":"neutral","sentiment_score":0.023261213675141335}],"sentiment":"neutral","sentiment_score":0.023261213675141335,"channel":1,"num_words":1,"start":572.675,"end":572.995},{"sentences":[{"text":"o","start":572.785,"end":573.02496,"sentiment":"neutral","sentiment_score":0.013039106503129004}],"sentiment":"neutral","sentiment_score":0.013039106503129004,"channel":0,"num_words":1,"start":572.785,"end":573.02496},{"sentences":[{"text":"It's","start":572.995,"end":573.495,"sentiment":"neutral","sentiment_score":0.011465875431895256}],"sentiment":"neutral","sentiment_score":0.011465875431895256,"channel":1,"num_words":1,"start":572.995,"end":573.495},{"sentences":[{"text":"N.","start":573.02496,"end":573.21,"sentiment":"neutral","sentiment_score":0.012345561757683754}],"sentiment":"neutral","sentiment_score":0.012345561757683754,"channel":0,"num_words":1,"start":573.02496,"end":573.21},{"sentences":[{"text":"yeah.","start":573.795,"end":574.195,"sentiment":"neutral","sentiment_score":0.023349732160568237},{"text":"Yes.","start":574.195,"end":574.695,"sentiment":"neutral","sentiment_score":0.04989440739154816}],"sentiment":"neutral","sentiment_score":0.0366220697760582,"channel":1,"num_words":2,"start":573.795,"end":574.695},{"sentences":[{"text":"That's the one.","start":575.21,"end":576.09,"sentiment":"neutral","sentiment_score":0.06195879479249319},{"text":"Spouse, 100%.","start":576.09,"end":577.39,"sentiment":"neutral","sentiment_score":0.08123603835701942},{"text":"And","start":578.01,"end":578.25,"sentiment":"neutral","sentiment_score":0.03608470037579536}],"sentiment":"neutral","sentiment_score":0.06407219357788563,"channel":0,"num_words":6,"start":575.21,"end":578.25},{"sentences":[{"text":"K.","start":578.195,"end":578.695,"sentiment":"neutral","sentiment_score":0.02554724738001823}],"sentiment":"neutral","sentiment_score":0.02554724738001823,"channel":1,"num_words":1,"start":578.195,"end":578.695},{"sentences":[{"text":"do you want that to like, you can choose whether it expires after three years or it's continuous.","start":578.25,"end":583.07,"sentiment":"neutral","sentiment_score":0.020580324965218704}],"sentiment":"neutral","sentiment_score":0.020580324965218704,"channel":0,"num_words":18,"start":578.25,"end":583.07},{"sentences":[{"text":"Oh, I just believe it continues, mate.","start":583.955,"end":585.975,"sentiment":"neutral","sentiment_score":0.03937226001705442}],"sentiment":"neutral","sentiment_score":0.03937226001705442,"channel":1,"num_words":7,"start":583.955,"end":585.975},{"sentences":[{"text":"Alright.","start":586.625,"end":586.785,"sentiment":"neutral","sentiment_score":0.06282114237546921},{"text":"So we'll do legally binding, and they call that a non lapsing.","start":586.785,"end":590.08496,"sentiment":"neutral","sentiment_score":0.05165214852119485}],"sentiment":"neutral","sentiment_score":0.05251130189460058,"channel":0,"num_words":13,"start":586.625,"end":590.08496},{"sentences":[{"text":"Yeah.","start":590.70996,"end":591.11,"sentiment":"neutral","sentiment_score":0.038801342248916626},{"text":"Yeah.","start":591.11,"end":591.43,"sentiment":"neutral","sentiment_score":0.034871552139520645},{"text":"Yeah.","start":591.43,"end":591.93,"sentiment":"neutral","sentiment_score":0.028919242322444916}],"sentiment":"neutral","sentiment_score":0.034197378903627396,"channel":1,"num_words":3,"start":590.70996,"end":591.93},{"sentences":[{"text":"When","start":592.14496,"end":592.46497,"sentiment":"neutral","sentiment_score":0.01840752735733986}],"sentiment":"neutral","sentiment_score":0.01840752735733986,"channel":0,"num_words":1,"start":592.14496,"end":592.46497},{"sentences":[{"text":"Yeah.","start":592.14996,"end":592.64996,"sentiment":"neutral","sentiment_score":0.0171723160892725}],"sentiment":"neutral","sentiment_score":0.0171723160892725,"channel":1,"num_words":1,"start":592.14996,"end":592.64996},{"sentences":[{"text":"you get it, if you have any trouble, just give the team a buzz, but, basically, just need to sign it, get two witnesses to witness your signature on the same day.","start":592.46497,"end":600.725,"sentiment":"neutral","sentiment_score":0.009898187505314127},{"text":"And one of them","start":600.945,"end":601.825,"sentiment":"neutral","sentiment_score":-0.036625079810619354}],"sentiment":"neutral","sentiment_score":0.004728935581321518,"channel":0,"num_words":36,"start":592.46497,"end":601.825},{"sentences":[{"text":"Alright.","start":601.825,"end":602.325,"sentiment":"neutral","sentiment_score":-0.014483234845101832}],"sentiment":"neutral","sentiment_score":-0.014483234845101832,"channel":1,"num_words":1,"start":601.825,"end":602.325},{"sentences":[{"text":"can't be Kathy.","start":601.825,"end":602.44,"sentiment":"neutral","sentiment_score":-0.021197324618697166},{"text":"That's","start":602.44,"end":602.94,"sentiment":"neutral","sentiment_score":0.009473059326410294}],"sentiment":"neutral","sentiment_score":-0.013529728632420301,"channel":0,"num_words":4,"start":601.825,"end":602.94},{"sentences":[{"text":"Yeah.","start":603.745,"end":604.065,"sentiment":"neutral","sentiment_score":0.01133090816438198},{"text":"No.","start":604.065,"end":604.385,"sentiment":"neutral","sentiment_score":-0.020100491121411324},{"text":"No","start":604.385,"end":604.625,"sentiment":"neutral","sentiment_score":-0.02367253601551056}],"sentiment":"neutral","sentiment_score":-0.0108140396575133,"channel":1,"num_words":3,"start":603.745,"end":604.625},{"sentences":[{"text":"all?","start":604.60004,"end":605.10004,"sentiment":"neutral","sentiment_score":-0.03225064277648926}],"sentiment":"neutral","sentiment_score":-0.03225064277648926,"channel":0,"num_words":1,"start":604.60004,"end":605.10004},{"sentences":[{"text":"worries.","start":604.625,"end":604.945,"sentiment":"neutral","sentiment_score":-0.02505810000002384},{"text":"What?","start":604.945,"end":605.445,"sentiment":"neutral","sentiment_score":0.02753431349992752}],"sentiment":"neutral","sentiment_score":0.0012381067499518412,"channel":1,"num_words":2,"start":604.625,"end":605.445},{"sentences":[{"text":"Cool.","start":605.88,"end":606.28,"sentiment":"neutral","sentiment_score":0.17535468935966492},{"text":"Alright.","start":606.28,"end":606.52,"sentiment":"neutral","sentiment_score":0.20424064993858335},{"text":"I'll get that sent out straight away.","start":606.52,"end":607.96,"sentiment":"neutral","sentiment_score":0.3035749154431479},{"text":"So, hopefully, you should get that next week.","start":607.96,"end":610.06006,"sentiment":"neutral","sentiment_score":0.23941954039037228}],"sentiment":"neutral","sentiment_score":0.2599985923837213,"channel":0,"num_words":17,"start":605.88,"end":610.06006},{"sentences":[{"text":"Yeah.","start":610.705,"end":611.205,"sentiment":"neutral","sentiment_score":0.13023722171783447}],"sentiment":"neutral","sentiment_score":0.13023722171783447,"channel":1,"num_words":1,"start":610.705,"end":611.205},{"sentences":[{"text":"And I'll be talking to you in a few weeks just with those updated","start":611.4,"end":614.12006,"sentiment":"neutral","sentiment_score":0.11965127821479525}],"sentiment":"neutral","sentiment_score":0.11965127821479525,"channel":0,"num_words":14,"start":611.4,"end":614.12006},{"sentences":[{"text":"Yes.","start":614.04,"end":614.54,"sentiment":"neutral","sentiment_score":0.07784774899482727}],"sentiment":"neutral","sentiment_score":0.07784774899482727,"channel":1,"num_words":1,"start":614.04,"end":614.54},{"sentences":[{"text":"investments.","start":614.12006,"end":614.62006,"sentiment":"neutral","sentiment_score":0.07764789462089539}],"sentiment":"neutral","sentiment_score":0.07764789462089539,"channel":0,"num_words":1,"start":614.12006,"end":614.62006},{"sentences":[{"text":"No worries, mate.","start":615.8,"end":617.0,"sentiment":"neutral","sentiment_score":0.1226260041197141},{"text":"Cheers.","start":617.0,"end":617.5,"sentiment":"positive","sentiment_score":0.6912412047386169}],"sentiment":"neutral","sentiment_score":0.2647798042744398,"channel":1,"num_words":4,"start":615.8,"end":617.5},{"sentences":[{"text":"Awesome, Nick.","start":617.885,"end":618.525,"sentiment":"positive","sentiment_score":0.8583598732948303},{"text":"Have a fantastic day.","start":618.525,"end":619.485,"sentiment":"positive","sentiment_score":0.8443553447723389},{"text":"Enjoy the caravan, mate.","start":619.485,"end":620.525,"sentiment":"positive","sentiment_score":0.7933655828237534},{"text":"I'll talk to you soon.","start":620.525,"end":621.505,"sentiment":"positive","sentiment_score":0.4865107536315918}],"sentiment":"positive","sentiment_score":0.7133438150087993,"channel":0,"num_words":15,"start":617.885,"end":621.505},{"sentences":[{"text":"You too, mate.","start":622.51996,"end":623.24,"sentiment":"positive","sentiment_score":0.37464064359664917},{"text":"Bye.","start":623.24,"end":623.74,"sentiment":"neutral","sentiment_score":0.25573837757110596}],"sentiment":"positive","sentiment_score":0.34491507709026337,"channel":1,"num_words":4,"start":622.51996,"end":623.74},{"sentences":[{"text":"Thank you.","start":624.205,"end":624.765,"sentiment":"positive","sentiment_score":0.7333969175815582},{"text":"Bye.","start":624.765,"end":625.265,"sentiment":"neutral","sentiment_score":-0.11854898184537888}],"sentiment":"positive","sentiment_score":0.4494149511059125,"channel":0,"num_words":3,"start":624.205,"end":625.265}]},"summary":{"result":"success","short":"Nick called a representative named Tommy to discuss his caravan and credit card investments. Tommy will send a review pack to Nick's email and walk him through the details of his investment. They discuss risk levels and investment options, including transferring from a moderate risk profile to a moderate one. The speaker provides updates on estate planning and retirement plans, and mentions a new client with discounts. They also discuss estate planning and beneficiary nomination, and the agent provides updates on withdrawals and growth. The customer agrees to work on options and is advised to call the agent if they have any questions."},"intents":{"segments":[{"text":"What's your kind of main idea and plan for the next couple of years? Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts? No.","start_word":274,"end_word":315,"intents":[{"intent":"Update super plans","confidence_score":0.006507465}]},{"text":"And there's one Australian shares option that's kind of been a little bit risky. It's kind of been jumping up and down a little bit more than all the other options.","start_word":653,"end_word":683,"intents":[{"intent":"Assess risk level of australian shares options","confidence_score":0.0000023307964}]},{"text":"obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance, K. and the new service guide with Ophir.","start_word":1227,"end_word":1255,"intents":[{"intent":"Update plan and documents","confidence_score":0.09677049}]},{"text":"Now that pack that I've sent out to you, there's nothing to sign in there. It's just for your records. But if Yeah. you've got any questions, just give us a buzz. I'll get the team to post out the beneficiaries. Yeah.","start_word":1635,"end_word":1676,"intents":[{"intent":"Update records","confidence_score":0.003673926}]}]},"sentiments":{"segments":[{"text":"Good day, Nick. You're through to Tommy, mate. Thank you so much for calling back through. Yeah. You're alright, mate.","start_word":0,"end_word":19,"sentiment":"positive","sentiment_score":0.4572436809539795},{"text":"I was just out. I'm like, I'm down at the caravan doing a bit of maintenance. I was outside doing something with the droolbar. No worries at all.","start_word":20,"end_word":47,"sentiment":"neutral","sentiment_score":0.06535624712705612},{"text":"Well, thank you so much for calling back in, mate. Really appreciate that. Cool. Cool.","start_word":48,"end_word":62,"sentiment":"positive","sentiment_score":0.6308627724647522},{"text":"So what I wanted to do today was after we last spoke and we did that with draw from the super, I just wanted Yeah. to have a quick chat with you as a bit of a review, update a few things, and see if we need to make a few tweaks to the super, if that's alright.","start_word":63,"end_word":120,"sentiment":"neutral","sentiment_score":0.1697622835636139},{"text":"Cool.","start_word":121,"end_word":121,"sentiment":"positive","sentiment_score":0.34155258536338806},{"text":"So I'm just gonna send through to your email address, like, a review pack that that just has all your updated details on it. Yeah. Thank So you. that'll go through to the Gmail. Is that still your main email address? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Alrighty. Now what I really wanted to do is just go through the details first, and then I'll walk you through the super and the estate planning, and then I can pretty much let you go. Cool. Cool. So we did that withdrawal a little while ago. Just wondering, Yeah. that kind of cleared the credit card out and everything, didn't it? Yeah. Not quite, but nearly did. Sure. Cool. So there's the car, the caravan, and how much is left on the credit card now? Yep. 10. Easy done. Now, obviously, previously, we had you, like, sheet metal workers, that kind of thing. What's your kind of main idea and plan for the next couple of years? Are we just trying to kind of use the super to get you by until the age pension kicks in at 67, or what are your thoughts? No.","start_word":122,"end_word":315,"sentiment":"neutral","sentiment_score":0.12413150072097778},{"text":"I'm I'm I'm just I'm I I don't wanna go back to work. I'm freaking my feet are knackered. Me back's knackered.","start_word":316,"end_word":337,"sentiment":"negative","sentiment_score":-0.4746372401714325},{"text":"And you mentioned your knees too, I think. Yeah. I'm I'm my I'm pregnant. I thought I'm down here now sorting this freaking being out so I can hook up and go away again for a few months.","start_word":338,"end_word":375,"sentiment":"neutral","sentiment_score":-0.20578619837760925},{"text":"Sounds good. So our main job then for you is basically, like, what? Get some nice, safe growth out of the super that's above what the bank would pay you Yes. and just have it there ready for you to access when you need it. Cool.","start_word":376,"end_word":421,"sentiment":"positive","sentiment_score":0.464596152305603},{"text":"One thing I wanna do is there's a couple of investments I wanna kind of tweak because when you're like, you've obviously hit 65, so you've got full access to your super. Right? Does that ring a bell? So when you're at that kind of 65 point, I need to make sure that it's pretty safe what we've got you invested in. So because you got a $130 now, I don't want Yeah. you calling us up in three months' time and there's $70 in there because the stock market crashed, if that makes sense. Yeah. No. Yes. Exactly. Yes. Yes. So the main thing for you is risk level. You've got half of your money invested in, like, growth assets, like shares, property, and gold, and the other half is in the safer side of things. So we kind Yes. of call that, like, a moderate, like, a two out of five on the risk scale, if that makes sense. Yes. Yes. Yes. Yes. Yes. Yes. Yes. So, basically, a little bit above the banks, but not medium to high risk. What I'm Yes. basically gonna do with that one is there's one investment option. You've got a bunch of term deposits in there. One of them is being phased out next year by the government, so I just gotta get a bit of a switch going for that one. And there's one Australian shares option that's kind of been a little bit risky. It's kind of been jumping up and down a little bit more than all the other options. K. So if you're comfortable with that risk level, I'm pretty much gonna put together a new plan for you, and it's gonna include, I wanna switch out this one and that one. This is what I think you should invest in, and then I can kinda give that to you in writing so you can see before we touch anything. Is that alright? Yeah. You might use it as the ones who know more about it. Like, so I know nothing about it. Yeah. What Yeah.","start_word":422,"end_word":770,"sentiment":"neutral","sentiment_score":0.025496234338100797},{"text":"what you think is the best, go with it. Absolutely.","start_word":771,"end_word":780,"sentiment":"positive","sentiment_score":0.3584527373313904},{"text":"So what I'm basically trying to do is I'm not gonna change it from that moderate risk profile, but I'm gonna change the investment so they're a bit less risky than the ones that are currently in Yeah. Yeah. I know you're alright, mate.","start_word":781,"end_word":824,"sentiment":"neutral","sentiment_score":0.085582435131073},{"text":"You go for it.","start_word":825,"end_word":828,"sentiment":"positive","sentiment_score":0.4348415434360504},{"text":"I there.","start_word":829,"end_word":830,"sentiment":"neutral","sentiment_score":0.2702992558479309},{"text":"Cool.","start_word":831,"end_word":831,"sentiment":"positive","sentiment_score":0.3894256353378296},{"text":"I think So when I can't remember the Blake I had when I first transferred me through forever, and he was Yep.","start_word":832,"end_word":853,"sentiment":"neutral","sentiment_score":0.1299075484275818},{"text":"pretty good, dude.","start_word":854,"end_word":856,"sentiment":"positive","sentiment_score":0.5181776285171509},{"text":"So I said, well, you just go which way you think is the best. That was it. Cool. Well, I'll talk to Yeah. the investment committee. We've got a few comparisons to do, and then I've got a few ideas that I wanna put together K. for No worries. you. Is is there anything else that you kind of need to focus on the next year or two besides, obviously, the caravan, your health, and then getting through to 67 for the age pension? That's that's all I'm wiring about, like, getting a sixty second.","start_word":857,"end_word":951,"sentiment":"neutral","sentiment_score":0.16495898365974426},{"text":"Easy done.","start_word":952,"end_word":953,"sentiment":"positive","sentiment_score":0.525505006313324},{"text":"So I'm not playing around with anything crazy trying to get you insurance policies or life insurance or disability insurance or anything like that. We're just No. gonna I've got, make like, the super I've nice got and safe. I've got all insurances set up.","start_word":954,"end_word":998,"sentiment":"neutral","sentiment_score":-0.019058391451835632},{"text":"Cool. They're alright.","start_word":999,"end_word":1001,"sentiment":"positive","sentiment_score":0.4184274673461914},{"text":"Yeah. What about just quickly on estate planning side of things? Did you end up getting, like, a will in place? I haven't done mine yet. I'm not breaking ready yet. No. That's fair. I just wanted to ask you for the super if you wanted me to put on, like, a beneficiary nomination for who the super Yeah. goes Yeah. to. It's beneficial. It should be Kathy Royston already. I don't see it on there. I'll double check when you last put it on, and Kathy's gonna go on there. Yeah. It should be Kathy Royston on there. Friggin' Kathy Royston, yeah. which obviously spouse and then a 100%, that kind of thing. Yeah. Yeah. Yeah. Yeah. Cool. If I need to get that updated, can I post you out a form and we'll prefill it a little bit for you? Yeah. Not a problem, mate. Not a problem. Cool. Outside of that, quick reminder on, obviously, the will and the power of attorney, everything, which obviously you're not ready for that yet, but we'll K. sort out the fishery. I'm And is not there anything else that you can think of? no. There's nothing at all, Mike. Cool. So just to let you know a couple of things I've sent through to you on the email so you've got it there. I'll K. obviously update the plan, but we've sent out just a few few documents with the summary of your hub, the performance, K. and the new service guide with Ophir. Now we've still got you listed as a client with us until K. July of next year. K. K. So there's you're already paying 1.65 fees to us. Yeah. We're changing the structure next year to try and get some discounts above 200,000, but we'll, you know, we'll see how we go on Yeah. the balance and the growth as well. Yeah. No worries, mate.","start_word":1002,"end_word":1320,"sentiment":"neutral","sentiment_score":0.08156442866430014},{"text":"Cool.","start_word":1321,"end_word":1321,"sentiment":"positive","sentiment_score":0.42800578474998474},{"text":"Is there any other kind of withdrawals Just or anything that you need me to sort out or just kinda leave it alone and just get the investment just just leave it for now. I'm forgetting like, it's not a point. Keep giggling and giggling. That just wave it up once in half an hour. sorted? Cool. And just to give you a little bit of an update on what I was looking at figures wise, there was two thirty seven previously. Obviously, we had the three withdrawals, fifty, forty, and 30. But we've had another $10,000 worth of growth on top of the 3,000 worth of contributions that you did recently before you stopped work. That's Alright? all. It's sitting a little bit flat at the moment.","start_word":1322,"end_word":1449,"sentiment":"neutral","sentiment_score":0.03172219544649124},{"text":"Obviously, the stock market's kind of exploding. The world's going on fire.","start_word":1450,"end_word":1461,"sentiment":"negative","sentiment_score":-0.4329078495502472},{"text":"But, again, like I said, there's a few things ideas that we've got that should stabilize it, make it a bit safer for you. Yeah. Yeah. I know. It's like the world's just gone bonkers, mate. Yeah. Yeah. And I've the got main you're thing is gonna take you're gonna take a second mortgage out to take to tell you care of it now. yeah. Yeah. And my my struggle at the moment is trying to get people super a little bit but without risking all of it. And, you know, you can expect something to blow up again this year or next year, and we need to make sure it's not too big of a deal. Cool. Yeah. No problem. If anything major happens and things do kind of explode a little bit, we can always turn down the risk Yeah. another peg. But for now, I'll just work on those options, and then we'll talk again. Yeah.","start_word":1462,"end_word":1620,"sentiment":"neutral","sentiment_score":-0.08500239548255813},{"text":"What whatever you think is the best, mate, you go for it. Awesome, mate.","start_word":1621,"end_word":1634,"sentiment":"positive","sentiment_score":0.525262176990509},{"text":"Now that pack that I've sent out to you, there's nothing to sign in there. It's just for your records. But if Yeah. you've got any questions, just give us a buzz. I'll get the team to post out the beneficiaries. Yeah. No worries, Tommy. No worries. Can I just double check to make sure we get the details correct on it? I Kathy's date of birth? think I think he's '67. I 1967. first of May sixty seven. 05/01/1967. And '7. that's spelled Yeah. c a t h y? Yeah. C C H Y, Cap A Yeah. And then Royston is R O Y S T Right. o It's N. yeah. Yes. That's the one. Spouse, 100%. And K. do you want that to like, you can choose whether it expires after three years or it's continuous. Oh, I just believe it continues, mate. Alright. So we'll do legally binding, and they call that a non lapsing. Yeah. Yeah. Yeah. When Yeah. you get it, if you have any trouble, just give the team a buzz, but, basically, just need to sign it, get two witnesses to witness your signature on the same day. And one of them can't Alright. be Kathy. That's Yeah. No. No all? worries. What? Cool. Alright. I'll get that sent out straight away. So, hopefully, you should get that next week. Yeah. And I'll be talking to you in a few weeks just with those updated Yes. investments. No worries, mate.","start_word":1635,"end_word":1881,"sentiment":"neutral","sentiment_score":0.06481122225522995},{"text":"Cheers. Awesome, Nick. Have a fantastic day. Enjoy the caravan, mate. I'll talk to you soon. You too, mate.","start_word":1882,"end_word":1900,"sentiment":"positive","sentiment_score":0.6428999304771423},{"text":"Bye.","start_word":1901,"end_word":1901,"sentiment":"neutral","sentiment_score":0.25573837757110596},{"text":"Thank you. Bye.","start_word":1902,"end_word":1904,"sentiment":"positive","sentiment_score":0.5321365594863892}],"average":{"sentiment":"neutral","sentiment_score":0.0761751260517375}}}}