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Do you still have a bit of time, sir? Perfect. So I'm just gonna pop this through to your email now just while I'm getting that through to you. Are you okay for this call to be recorded? Perfect. And just for the security of your account, I don't have a security question on file. Perfect. Thank you, sir. And I'm registered with our pick as Adviser1273105. Now, Alan, I've popped this through to your Yahoo email address. Will you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your yeah. So I'm just popping it through now. It might go through to your inbox or your spam box. Will you be able to look at the email with me? Yeah. So there's some attachments there. There is a signature link if you're happy with the plan and the advice that Carl was putting together for you. But I just want you to have a look at the attachments with me if that's okay. So like a normal email, there'll be, like, PDF attachments at the bottom, and we can have a look at that if it's a bit easier to view. Now there should be quite a few there. Sorry. You go ahead. The statement of advice, it should be listed as today's date and then statement of advice with your name at the end. That should be the attachment name. And when you get that open, Alan, it should have a picture of, like, a beachfront Gold Coast city looking picture at the front, that's how you know you're on the right document. Oh, yes. So that Nios reduction quote, that's for the cancellation of your income protection to reduce the premiums. Does that ring a bell? Yep. So that's the yeah. So if you you're in the signature section now, you just have to scroll down. Let me have a look see. Oh, yeah. Gotcha. Gotcha. Alright. Just give me a quick second. So it's at the very top. Yep. Very top should say, open new statement of advice. Yep. And just before I quickly go through this with you, I just wanted to let you know that, obviously, there's a lot going on with your super at the moment going up and down quite a bit. So I wanted to just quickly walk you through what's going on with your account, and then we'll go through the advice. Is that okay? Yep. So one of the things that happened was on your Netwealth account, there was some investments which weren't performing very good, your Benelong investment, and you probably see the super going down a little bit recently. Yeah. But one of the things that happened was we flagged that investment on your account ranked Christmas time, and we actually switched that out pretty recently. So that one that was going down when it dropped, like, 15%, we've already actually replaced it, and it started to go back up. Okay? Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk. Now that switch kind of fixed the investment that wasn't doing good. So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high. That's what you talked to Carl about. Yeah. So what we're thinking is because it's going up and down so much, we wanna just reduce your risk level from, like, a five risk to a four. And one of the things that happened was when Carl put together the investment, if you scroll all the way through the document, you'll see a table on I'll give you the page. Bear with me a moment. About halfway through the document on page seventeen eighteen. And, yeah, if you could go down to seventeen, eighteen, there's a blue table. And it's the page just after the colorful pie chart. It's the one after that. Yeah. Yeah. And you should see a table, and at the top, it should say fee comparison. Can you see that there? Yep. So the reason why I told you about the account before it has a performance figure. Can you see the 11% at the bottom? So at the bottom of the table, it's got a it says at the bottom row, it says five year rolling average, and it says, like, 11.63%, 11.22%. Can you see that there? Yes. That's the one. Yeah. So a little bit. So your investments that you had, they were only doing 7%. So that's why I said at the start, we've already switched the bad investment out to get it back up to 11.63. And then what we wanna do is we wanna reduce your risk level down. So it's basically the same performance, but it's got 10 less shares and property, so 10% less risk. So same performance, less risk, and this also has in there about $34,000 savings from the income protection being canceled. Yeah. Perfect. If you go one more page down, you'll see the projection numbers for five years and ten years. So page, like, 19 18, 19, and it should say projected balance, five years, ten years. And get 500,000 in the super. And from the fix up of the investment, even going down in risk level and canceling the income protection, you're looking at over 600,000 in ten years, whether you stay in high risk or you move down to lower risk. Correct. Yeah. Yeah. Now when we did the projection before based on what you were invested in a couple of months ago, it was only hitting about 500,000. So this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance. But both ways, you're still kind of on track. I still think probably a good idea to reduce your risk level and save on those premiums. Yeah. There's about a 100,000, but I know it had a bit of a oh, the COVID as well. Yeah. Yeah. Yeah. I'm with you. I'm with you. Yep. Yep. Yeah. There's if you have a lot of time, if you have thirty years, it goes back up, and it goes up, down, up, down, but it grows really well over ten, twenty, thirty years. And it's still up forty six percent. You you had to go up, and then COVID went down, went up, and then the tariffs went down, and it just started going back up again. So this should put it back on track. Okay. Now any questions on those strategies, mate? Performance. Yes. Yep. Sim similar interest, similar return. So you're just paying for life insurance and disability once we cancel the income protection. That quote says it goes from 10,000 a year to 6,000, so about 4,000 off. K. We still have to keep an eye on that life and disability insurance because if it goes up again, we may need to trim that down as well, but this should give you a pretty good savings. Yep. And just remember Yeah. Yep. And I'm having a look at it too. I'm gonna make sure the price doesn't go up too high. Just bear in mind that, obviously, not being in high risk means you but it's looking pretty similar. The fees are lower as well. Well, hopefully, we can get there a bit quicker because I think your goal at 500,000, if the market goes really, really good, might be able to do it earlier than 65. So we just gotta see what happens with the stock market. Yeah. That's right. But one of the things that will be hopefully good for you is, normally, the the market the cycle's every five to seven years. So it goes up, up, up, up, up, and then COVID, it goes down. And then it goes up, up, up, up, up, and then tariffs, it goes down. Hopefully, if we can get another five years of it going up, we may be able to chop it and say, oh, 500,000. Let's just protect it and put it into something safe, and then you don't have to wait as long. Yeah. That'll get you that sort of thousand dollars a week mortgage paid off. If you're happy with that, that should be what we're aiming for. Cool. Now your review with Kyle was pretty recent, so I don't think there's been any really any changes to work or anything like that. Yep. Gotcha. Gotcha. Gotcha. Yeah. Goes up and down. Yeah. I'll have a look and see if that's come through. I just wanna let you know one more thing. With the the estate planning, I'll put in a recommendation for your super and your life insurance to go to your will and that you're gonna put in place a will for where your your house and your super and your life insurance go. K? Now do you remember with the will, you can go to a lawyer, you can go to, like, the courthouse, and you can also get a a will kit from Australia Post for $25 if you want. Similar. No. So the lawyer can be expensive, but if you go to, like, the courthouse, the public trustee, real estate, they also do wills as well. Kinda like justice of the peace. Similar. And you're in Western Australia. Right? Okay. Let me just quickly check. Yeah. So we've got when I go on Google and I type in West Australia public trustee, it comes up in Perth in 553 Hay Street in Perth, and they also do appointments for wheels and power of attorney. Yeah. Wherever you want. I just wanna let you know that if we put in, we're gonna send you the beneficiary form for your super and your insurance to go into the will, and you're just gonna make sure that you do put in place to get up if you don't have a will. You don't have to send us the will. You're just gonna let us know that you've done it. That's all. Yep. Now just quickly, Alan, with the way you want the super and the life insurance to go in the will, have you already chosen who you want to get it? Yeah. Awesome. And all the kids are 18 or 18? Under eighteen. Okay. Cool. So that would be good. When, excuse me, when you talk to the solicitor or the courthouse can do you have a pen and paper handy, sir? Really just your identification. There's something, yeah, in the name of the people and where they live. And the type of will that you you might be looking for is called a testamentary trust will. So Yes. Yes. I'll send you a quick email just because the what it does, if you put in place a a will, it a testamentary trust will, it creates a trust fund for the kids when you when you die, And then you can say how much money they get, whether they get a little bit now. Yep. I will send you an email. No. That's totally okay. Do you have any questions for me? Awesome. So get the risk down a little bit, try and get the the interest up, save on the fees for the insurances, and get the the will sorted. Yeah. Yeah. It's 4,000. When it gets canceled, because you've signed and we cancel it, they'll give you a two month refund because the next premium is not due until June. So they'll give you another, I think, $600 back. Yeah. That's a lot. That's a lot. No worries. Anything else I can do for you, sir, before I let you go? Yeah. It's come through sign. Let me have a look. Yep. Let me have a look. I'll go down to the SLA. One sec. Here we go. There it is. Yep. That's fine. Yeah. That's that's acceptable for us. That's perfect. And then for the insurance, that looks good, and that's it. It was only the two. Too quick. Yeah. No. That's fine, mate. And next one will probably be with me or my colleague. We'll make sure we take time to explain it and you can see it. That's totally fine. No worries. No worries. So do you mind if I send you a text message? And if you're happy, you can maybe leave a Google review? Perfect. Awesome. If you have any questions, please call back. Awesome, Alan. Have a great day, and I'll talk to you soon then. Thank you. 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afternoon, Alan. It's Tommy here, senior adviser from. How are you going today? Great to hear. Great to hear, mate.\n\nI have an updated advice document I was gonna email through to you. Do you still have a bit of time, sir? Perfect. So I'm just gonna pop this through to your email now just while I'm getting that through to you. Are you okay for this call to be recorded?\n\nPerfect. And just for the security of your account, I don't have a security question on file. Perfect. Thank you, sir. And I'm registered with our pick as Adviser1273105.\n\nNow, Alan, I've popped this through to your Yahoo email address. Will you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your yeah. So I'm just popping it through now. It might go through to your inbox or your spam box. Will you be able to look at the email with me?\n\nYeah. So there's some attachments there. There is a signature link if you're happy with the plan and the advice that Carl was putting together for you. But I just want you to have a look at the attachments with me if that's okay. So like a normal email, there'll be, like, PDF attachments at the bottom, and we can have a look at that if it's a bit easier to view.\n\nNow there should be quite a few there. Sorry. You go ahead. The statement of advice, it should be listed as today's date and then statement of advice with your name at the end. That should be the attachment name.\n\nAnd when you get that open, Alan, it should have a picture of, like, a beachfront Gold Coast city looking picture at the front, that's how you know you're on the right document. Oh, yes. So that Nios reduction quote, that's for the cancellation of your income protection to reduce the premiums. Does that ring a bell? Yep.\n\nSo that's the yeah. So if you you're in the signature section now, you just have to scroll down. Let me have a look see. Oh, yeah. Gotcha.\n\nGotcha. Alright. Just give me a quick second. So it's at the very top. Yep.\n\nVery top should say, open new statement of advice. Yep. And just before I quickly go through this with you, I just wanted to let you know that, obviously, there's a lot going on with your super at the moment going up and down quite a bit. So I wanted to just quickly walk you through what's going on with your account, and then we'll go through the advice. Is that okay?\n\nYep. So one of the things that happened was on your Netwealth account, there was some investments which weren't performing very good, your Benelong investment, and you probably see the super going down a little bit recently. Yeah. But one of the things that happened was we flagged that investment on your account ranked Christmas time, and we actually switched that out pretty recently. So that one that was going down when it dropped, like, 15%, we've already actually replaced it, and it started to go back up.\n\nOkay? Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk. Now that switch kind of fixed the investment that wasn't doing good. So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high. That's what you talked to Carl about.\n\nYeah. So what we're thinking is because it's going up and down so much, we wanna just reduce your risk level from, like, a five risk to a four. And one of the things that happened was when Carl put together the investment, if you scroll all the way through the document, you'll see a table on I'll give you the page. Bear with me a moment. About halfway through the document on page seventeen eighteen.\n\nAnd, yeah, if you could go down to seventeen, eighteen, there's a blue table. And it's the page just after the colorful pie chart. It's the one after that. Yeah. Yeah.\n\nAnd you should see a table, and at the top, it should say fee comparison. Can you see that there? Yep. So the reason why I told you about the account before it has a performance figure. Can you see the 11% at the bottom?\n\nSo at the bottom of the table, it's got a it says at the bottom row, it says five year rolling average, and it says, like, 11.63%, 11.22%. Can you see that there? Yes. That's the one. Yeah.\n\nSo a little bit. So your investments that you had, they were only doing 7%. So that's why I said at the start, we've already switched the bad investment out to get it back up to 11.63. And then what we wanna do is we wanna reduce your risk level down. So it's basically the same performance, but it's got 10 less shares and property, so 10% less risk.\n\nSo same performance, less risk, and this also has in there about $34,000 savings from the income protection being canceled. Yeah. Perfect. If you go one more page down, you'll see the projection numbers for five years and ten years. So page, like, 19 18, 19, and it should say projected balance, five years, ten years.\n\nAnd get 500,000 in the super. And from the fix up of the investment, even going down in risk level and canceling the income protection, you're looking at over 600,000 in ten years, whether you stay in high risk or you move down to lower risk. Correct. Yeah. Yeah.\n\nNow when we did the projection before based on what you were invested in a couple of months ago, it was only hitting about 500,000. So this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance. But both ways, you're still kind of on track. I still think probably a good idea to reduce your risk level and save on those premiums. Yeah.\n\nThere's about a 100,000, but I know it had a bit of a oh, the COVID as well. Yeah. Yeah. Yeah. I'm with you.\n\nI'm with you. Yep. Yep. Yeah. There's if you have a lot of time, if you have thirty years, it goes back up, and it goes up, down, up, down, but it grows really well over ten, twenty, thirty years.\n\nAnd it's still up forty six percent. You you had to go up, and then COVID went down, went up, and then the tariffs went down, and it just started going back up again. So this should put it back on track. Okay. Now any questions on those strategies, mate?\n\nPerformance. Yes. Yep. Sim similar interest, similar return. So you're just paying for life insurance and disability once we cancel the income protection.\n\nThat quote says it goes from 10,000 a year to 6,000, so about 4,000 off. K. We still have to keep an eye on that life and disability insurance because if it goes up again, we may need to trim that down as well, but this should give you a pretty good savings. Yep. And just remember Yeah.\n\nYep. And I'm having a look at it too. I'm gonna make sure the price doesn't go up too high. Just bear in mind that, obviously, not being in high risk means you but it's looking pretty similar. The fees are lower as well.\n\nWell, hopefully, we can get there a bit quicker because I think your goal at 500,000, if the market goes really, really good, might be able to do it earlier than 65. So we just gotta see what happens with the stock market. Yeah. That's right. But one of the things that will be hopefully good for you is, normally, the the market the cycle's every five to seven years.\n\nSo it goes up, up, up, up, up, and then COVID, it goes down. And then it goes up, up, up, up, up, and then tariffs, it goes down. Hopefully, if we can get another five years of it going up, we may be able to chop it and say, oh, 500,000. Let's just protect it and put it into something safe, and then you don't have to wait as long. Yeah.\n\nThat'll get you that sort of thousand dollars a week mortgage paid off. If you're happy with that, that should be what we're aiming for. Cool. Now your review with Kyle was pretty recent, so I don't think there's been any really any changes to work or anything like that. Yep.\n\nGotcha. Gotcha. Gotcha. Yeah. Goes up and down.\n\nYeah. I'll have a look and see if that's come through. I just wanna let you know one more thing. With the the estate planning, I'll put in a recommendation for your super and your life insurance to go to your will and that you're gonna put in place a will for where your your house and your super and your life insurance go. K?\n\nNow do you remember with the will, you can go to a lawyer, you can go to, like, the courthouse, and you can also get a a will kit from Australia Post for $25 if you want. Similar. No. So the lawyer can be expensive, but if you go to, like, the courthouse, the public trustee, real estate, they also do wills as well. Kinda like justice of the peace.\n\nSimilar. And you're in Western Australia. Right? Okay. Let me just quickly check.\n\nYeah. So we've got when I go on Google and I type in West Australia public trustee, it comes up in Perth in 553 Hay Street in Perth, and they also do appointments for wheels and power of attorney. Yeah. Wherever you want. I just wanna let you know that if we put in, we're gonna send you the beneficiary form for your super and your insurance to go into the will, and you're just gonna make sure that you do put in place to get up if you don't have a will.\n\nYou don't have to send us the will. You're just gonna let us know that you've done it. That's all. Yep. Now just quickly, Alan, with the way you want the super and the life insurance to go in the will, have you already chosen who you want to get it?\n\nYeah. Awesome. And all the kids are 18 or 18? Under eighteen. Okay.\n\nCool. So that would be good. When, excuse me, when you talk to the solicitor or the courthouse can do you have a pen and paper handy, sir? Really just your identification. There's something, yeah, in the name of the people and where they live.\n\nAnd the type of will that you you might be looking for is called a testamentary trust will. So Yes. Yes. I'll send you a quick email just because the what it does, if you put in place a a will, it a testamentary trust will, it creates a trust fund for the kids when you when you die, And then you can say how much money they get, whether they get a little bit now. Yep.\n\nI will send you an email. No. That's totally okay. Do you have any questions for me? Awesome.\n\nSo get the risk down a little bit, try and get the the interest up, save on the fees for the insurances, and get the the will sorted. Yeah. Yeah. It's 4,000. When it gets canceled, because you've signed and we cancel it, they'll give you a two month refund because the next premium is not due until June.\n\nSo they'll give you another, I think, $600 back. Yeah. That's a lot. That's a lot. No worries.\n\nAnything else I can do for you, sir, before I let you go? Yeah. It's come through sign. Let me have a look. Yep.\n\nLet me have a look. I'll go down to the SLA. One sec. Here we go. There it is.\n\nYep. That's fine. Yeah. That's that's acceptable for us. That's perfect.\n\nAnd then for the insurance, that looks good, and that's it. It was only the two. Too quick. Yeah. No.\n\nThat's fine, mate. And next one will probably be with me or my colleague. We'll make sure we take time to explain it and you can see it. That's totally fine. No worries.\n\nNo worries. So do you mind if I send you a text message? And if you're happy, you can maybe leave a Google review? Perfect. Awesome.\n\nIf you have any questions, please call back. Awesome, Alan. Have a great day, and I'll talk to you soon then. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Alan.","start":2.6399999,"end":3.84,"sentiment":"positive","sentiment_score":0.4700304865837097},{"text":"It's Tommy here, senior adviser from.","start":3.84,"end":5.92,"sentiment":"neutral","sentiment_score":0.32953179876009625},{"text":"How are you going today?","start":5.92,"end":6.98,"sentiment":"positive","sentiment_score":0.40080428719520567},{"text":"Great to hear.","start":9.5199995,"end":10.16,"sentiment":"positive","sentiment_score":0.771019458770752},{"text":"Great to hear, mate.","start":10.16,"end":11.12,"sentiment":"positive","sentiment_score":0.723669707775116}],"sentiment":"positive","sentiment_score":0.504716233128593,"num_words":21,"start":2.6399999,"end":11.12},{"sentences":[{"text":"I have an updated advice document I was gonna email through to you.","start":11.12,"end":14.8949995,"sentiment":"neutral","sentiment_score":0.3311403817855395},{"text":"Do you still have a bit of time, sir?","start":14.8949995,"end":16.595,"sentiment":"neutral","sentiment_score":0.10594178073936039},{"text":"Perfect.","start":19.455,"end":19.955,"sentiment":"positive","sentiment_score":0.4086746871471405},{"text":"So I'm just gonna pop this through to your email now just while I'm getting that through to you.","start":20.255,"end":26.255001,"sentiment":"neutral","sentiment_score":0.2541515717380925},{"text":"Are you okay for this call to be recorded?","start":26.255001,"end":28.195,"sentiment":"neutral","sentiment_score":0.07393640528122584}],"sentiment":"neutral","sentiment_score":0.2188486899523174,"num_words":51,"start":11.12,"end":28.195},{"sentences":[{"text":"Perfect.","start":30.33,"end":30.83,"sentiment":"positive","sentiment_score":0.41047850251197815},{"text":"And just for the security of your account, I don't have a security question on file.","start":31.21,"end":35.95,"sentiment":"neutral","sentiment_score":0.1249635647982359},{"text":"Perfect.","start":46.895,"end":47.395,"sentiment":"positive","sentiment_score":0.37635743618011475},{"text":"Thank you, sir.","start":47.935,"end":48.895,"sentiment":"positive","sentiment_score":0.5562864542007446},{"text":"And I'm registered with our pick as Adviser1273105.","start":48.895,"end":53.555,"sentiment":"neutral","sentiment_score":0.13971844781190157}],"sentiment":"neutral","sentiment_score":0.1921675834676315,"num_words":29,"start":30.33,"end":53.555},{"sentences":[{"text":"Now, Alan, I've popped this through to your Yahoo email address.","start":54.175003,"end":57.81,"sentiment":"neutral","sentiment_score":0.09230318326841701},{"text":"Will you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your yeah.","start":58.29,"end":69.65,"sentiment":"neutral","sentiment_score":0.12322535738348961},{"text":"So I'm just popping it through now.","start":69.65,"end":71.91,"sentiment":"neutral","sentiment_score":0.018308785344873155},{"text":"It might go through to your inbox or your spam box.","start":73.025,"end":75.905,"sentiment":"neutral","sentiment_score":-0.05531181970780546},{"text":"Will you be able to look at the email with me?","start":75.905,"end":78.005,"sentiment":"neutral","sentiment_score":0.047884945503690025}],"sentiment":"neutral","sentiment_score":0.07096571686702806,"num_words":74,"start":54.175003,"end":78.005},{"sentences":[{"text":"Yeah.","start":83.025,"end":83.424995,"sentiment":"neutral","sentiment_score":0.057115163654088974},{"text":"So there's some attachments there.","start":83.424995,"end":85.445,"sentiment":"neutral","sentiment_score":0.030233798921108244},{"text":"There is a signature link if you're happy with the plan and the advice that Carl was putting together for you.","start":86.18,"end":92.68,"sentiment":"neutral","sentiment_score":0.19186510234361603},{"text":"But I just want you to have a look at the attachments with me if that's okay.","start":93.62,"end":96.920006,"sentiment":"neutral","sentiment_score":0.10529140777447644},{"text":"So like a normal email, there'll be, like, PDF attachments at the bottom, and we can have a look at that if it's a bit easier to view.","start":105.875,"end":114.03001,"sentiment":"neutral","sentiment_score":0.061167531580265076}],"sentiment":"neutral","sentiment_score":0.10750133505401512,"num_words":72,"start":83.025,"end":114.03001},{"sentences":[{"text":"Now there should be quite a few there.","start":120.41,"end":122.43,"sentiment":"neutral","sentiment_score":0.01153726945631206},{"text":"Sorry.","start":122.810005,"end":123.21001,"sentiment":"neutral","sentiment_score":-0.04369249567389488},{"text":"You go ahead.","start":123.21001,"end":123.950005,"sentiment":"neutral","sentiment_score":-0.006318773453434308},{"text":"The statement of advice, it should be listed as today's date and then statement of advice with your name at the end.","start":126.465004,"end":135.105,"sentiment":"neutral","sentiment_score":0.05945482460612601},{"text":"That should be the attachment name.","start":135.105,"end":136.88501,"sentiment":"neutral","sentiment_score":0.06416923366487026}],"sentiment":"neutral","sentiment_score":0.04306677207350731,"num_words":40,"start":120.41,"end":136.88501},{"sentences":[{"text":"And when you get that open, Alan, it should have a picture of, like, a beachfront Gold Coast city looking picture at the front, that's how you know you're on the right document.","start":142.28,"end":152.635,"sentiment":"neutral","sentiment_score":0.09657129509882494},{"text":"Oh, yes.","start":169.74,"end":170.56,"sentiment":"neutral","sentiment_score":0.04804843105375767},{"text":"So that Nios reduction quote, that's for the cancellation of your income protection to reduce the premiums.","start":170.62,"end":177.52,"sentiment":"neutral","sentiment_score":0.000033389674225712216},{"text":"Does that ring a bell?","start":177.875,"end":183.655,"sentiment":"neutral","sentiment_score":0.02139916643500328},{"text":"Yep.","start":183.95499,"end":184.355,"sentiment":"neutral","sentiment_score":0.039424821734428406}],"sentiment":"neutral","sentiment_score":0.05913685997827621,"num_words":58,"start":142.28,"end":184.355},{"sentences":[{"text":"So that's the yeah.","start":184.355,"end":189.635,"sentiment":"neutral","sentiment_score":0.03508216328918934},{"text":"So if you you're in the signature section now, you just have to scroll down.","start":189.635,"end":194.89001,"sentiment":"neutral","sentiment_score":0.007927112809071938},{"text":"Let me have a look see.","start":194.89001,"end":197.39001,"sentiment":"neutral","sentiment_score":-0.00003199535422027111},{"text":"Oh, yeah.","start":202.09001,"end":202.49,"sentiment":"neutral","sentiment_score":0.00261592585593462},{"text":"Gotcha.","start":202.49,"end":202.89001,"sentiment":"neutral","sentiment_score":0.007113918196409941}],"sentiment":"neutral","sentiment_score":0.009692469395564072,"num_words":28,"start":184.355,"end":202.89001},{"sentences":[{"text":"Gotcha.","start":202.89001,"end":203.39001,"sentiment":"neutral","sentiment_score":0.012774845585227013},{"text":"Alright.","start":203.53001,"end":203.85,"sentiment":"neutral","sentiment_score":0.03762909770011902},{"text":"Just give me a quick second.","start":203.85,"end":205.39001,"sentiment":"neutral","sentiment_score":0.02144725372393926},{"text":"So it's at the very top.","start":208.60501,"end":211.345,"sentiment":"neutral","sentiment_score":0.015382224849114815},{"text":"Yep.","start":214.205,"end":214.52501,"sentiment":"neutral","sentiment_score":0.04971414804458618}],"sentiment":"neutral","sentiment_score":0.021406330851217112,"num_words":15,"start":202.89001,"end":214.52501},{"sentences":[{"text":"Very top should say, open new statement of advice.","start":214.52501,"end":217.82501,"sentiment":"neutral","sentiment_score":0.05133599249853028},{"text":"Yep.","start":220.7,"end":221.18,"sentiment":"neutral","sentiment_score":0.06323830783367157},{"text":"And just before I quickly go through this with you, I just wanted to let you know that, obviously, there's a lot going on with your super at the moment going up and down quite a bit.","start":221.18,"end":230.56,"sentiment":"neutral","sentiment_score":-0.11975437805459306},{"text":"So I wanted to just quickly walk you through what's going on with your account, and then we'll go through the advice.","start":230.835,"end":237.075,"sentiment":"neutral","sentiment_score":0.03934708068316633},{"text":"Is that okay?","start":237.075,"end":237.895,"sentiment":"neutral","sentiment_score":0.07823877160747846}],"sentiment":"neutral","sentiment_score":-0.03896246747010284,"num_words":72,"start":214.52501,"end":237.895},{"sentences":[{"text":"Yep.","start":240.355,"end":240.855,"sentiment":"neutral","sentiment_score":0.06330449879169464},{"text":"So one of the things that happened was on your Netwealth account, there was some investments which weren't performing very good, your Benelong investment, and you probably see the super going down a little bit recently.","start":240.995,"end":254.11,"sentiment":"neutral","sentiment_score":-0.23760105338361528},{"text":"Yeah.","start":278.59,"end":279.09,"sentiment":"neutral","sentiment_score":-0.08969748020172119},{"text":"But one of the things that happened was we flagged that investment on your account ranked Christmas time, and we actually switched that out pretty recently.","start":279.15,"end":290.30502,"sentiment":"neutral","sentiment_score":-0.063917126506567},{"text":"So that one that was going down when it dropped, like, 15%, we've already actually replaced it, and it started to go back up.","start":290.92502,"end":298.09,"sentiment":"neutral","sentiment_score":-0.171227035112679}],"sentiment":"neutral","sentiment_score":-0.16308323903517288,"num_words":88,"start":240.355,"end":298.09},{"sentences":[{"text":"Okay?","start":301.66998,"end":302.16998,"sentiment":"neutral","sentiment_score":0.011474477127194405},{"text":"Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk.","start":302.31,"end":309.05,"sentiment":"neutral","sentiment_score":-0.08101685831080312},{"text":"Now that switch kind of fixed the investment that wasn't doing good.","start":311.98502,"end":316.405,"sentiment":"neutral","sentiment_score":-0.11139394529163837},{"text":"So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high.","start":316.545,"end":330.31998,"sentiment":"neutral","sentiment_score":0.043574296636506915},{"text":"That's what you talked to Carl about.","start":330.53998,"end":332.31998,"sentiment":"neutral","sentiment_score":0.09200743266514369}],"sentiment":"neutral","sentiment_score":-0.015336147819956144,"num_words":75,"start":301.66998,"end":332.31998},{"sentences":[{"text":"Yeah.","start":336.775,"end":337.095,"sentiment":"neutral","sentiment_score":0.1854919195175171},{"text":"So what we're thinking is because it's going up and down so much, we wanna just reduce your risk level from, like, a five risk to a four.","start":337.095,"end":346.555,"sentiment":"neutral","sentiment_score":0.11723416298627853},{"text":"And one of the things that happened was when Carl put together the investment, if you scroll all the way through the document, you'll see a table on I'll give you the page.","start":348.79,"end":359.05,"sentiment":"neutral","sentiment_score":0.08613880972067516},{"text":"Bear with me a moment.","start":360.405,"end":361.625,"sentiment":"neutral","sentiment_score":0.033971992880105974},{"text":"About halfway through the document on page seventeen eighteen.","start":362.645,"end":367.305,"sentiment":"neutral","sentiment_score":0.03159758841825856}],"sentiment":"neutral","sentiment_score":0.0890114140010586,"num_words":76,"start":336.775,"end":367.305},{"sentences":[{"text":"And, yeah, if you could go down to seventeen, eighteen, there's a blue table.","start":371.44498,"end":376.44998,"sentiment":"neutral","sentiment_score":0.0300298665783235},{"text":"And it's the page just after the colorful pie chart.","start":380.03,"end":382.99,"sentiment":"neutral","sentiment_score":0.031228267587721348},{"text":"It's the one after that.","start":382.99,"end":384.285,"sentiment":"neutral","sentiment_score":0.014957579225301743},{"text":"Yeah.","start":385.565,"end":385.885,"sentiment":"neutral","sentiment_score":0.05236681550741196},{"text":"Yeah.","start":385.885,"end":386.285,"sentiment":"neutral","sentiment_score":0.05340275540947914}],"sentiment":"neutral","sentiment_score":0.029459944355391687,"num_words":31,"start":371.44498,"end":386.285},{"sentences":[{"text":"And you should see a table, and at the top, it should say fee comparison.","start":386.285,"end":389.585,"sentiment":"neutral","sentiment_score":0.05847632164756457},{"text":"Can you see that there?","start":389.645,"end":390.865,"sentiment":"neutral","sentiment_score":0.05224918276071548},{"text":"Yep.","start":393.645,"end":394.145,"sentiment":"neutral","sentiment_score":0.025110457092523575},{"text":"So the reason why I told you about the account before it has a performance figure.","start":395.405,"end":401.24002,"sentiment":"neutral","sentiment_score":0.03947874624282122},{"text":"Can you see the 11% at the bottom?","start":401.24002,"end":403.42,"sentiment":"neutral","sentiment_score":0.047259654849767685}],"sentiment":"neutral","sentiment_score":0.04829418609539668,"num_words":45,"start":386.285,"end":403.42},{"sentences":[{"text":"So at the bottom of the table, it's got a it says at the bottom row, it says five year rolling average, and it says, like, 11.63%, 11.22%.","start":408.28,"end":419.875,"sentiment":"neutral","sentiment_score":0.05186914186924696},{"text":"Can you see that there?","start":426.735,"end":428.115,"sentiment":"neutral","sentiment_score":0.020300986990332604},{"text":"Yes.","start":431.55,"end":431.94998,"sentiment":"neutral","sentiment_score":0.045696064829826355},{"text":"That's the one.","start":431.94998,"end":432.77,"sentiment":"neutral","sentiment_score":0.02930717666943868},{"text":"Yeah.","start":434.75,"end":435.06998,"sentiment":"neutral","sentiment_score":-0.020747210830450055}],"sentiment":"neutral","sentiment_score":0.043860823455217635,"num_words":38,"start":408.28,"end":435.06998},{"sentences":[{"text":"So a little bit.","start":435.06998,"end":441.38998,"sentiment":"neutral","sentiment_score":-0.06342848110944033},{"text":"So your investments that you had, they were only doing 7%.","start":441.38998,"end":446.415,"sentiment":"neutral","sentiment_score":-0.08086566965688359},{"text":"So that's why I said at the start, we've already switched the bad investment out to get it back up to 11.63.","start":448.875,"end":455.375,"sentiment":"neutral","sentiment_score":-0.03427238806828179},{"text":"And then what we wanna do is we wanna reduce your risk level down.","start":458.25,"end":462.16998,"sentiment":"neutral","sentiment_score":0.048162439305867465},{"text":"So it's basically the same performance, but it's got 10 less shares and property, so 10% less risk.","start":462.16998,"end":471.55,"sentiment":"neutral","sentiment_score":0.10948932584789065}],"sentiment":"neutral","sentiment_score":0.010838451990992695,"num_words":69,"start":435.06998,"end":471.55},{"sentences":[{"text":"So same performance, less risk, and this also has in there about $34,000 savings from the income protection being canceled.","start":474.395,"end":483.53497,"sentiment":"neutral","sentiment_score":0.2229627288877964},{"text":"Yeah.","start":486.25,"end":486.75,"sentiment":"neutral","sentiment_score":0.2223886102437973},{"text":"Perfect.","start":488.41,"end":488.81,"sentiment":"positive","sentiment_score":0.3857558369636536},{"text":"If you go one more page down, you'll see the projection numbers for five years and ten years.","start":488.81,"end":493.47,"sentiment":"neutral","sentiment_score":0.11319708596501085},{"text":"So page, like, 19 18, 19, and it should say projected balance, five years, ten years.","start":497.22498,"end":505.085,"sentiment":"neutral","sentiment_score":0.0467466248665005}],"sentiment":"neutral","sentiment_score":0.14023022446781397,"num_words":56,"start":474.395,"end":505.085},{"sentences":[{"text":"And get 500,000 in the super.","start":519.73004,"end":522.87,"sentiment":"neutral","sentiment_score":0.1494148795803388},{"text":"And from the fix up of the investment, even going down in risk level and canceling the income protection, you're looking at over 600,000 in ten years, whether you stay in high risk or you move down to lower risk.","start":525.265,"end":538.085,"sentiment":"neutral","sentiment_score":0.039011315815150736},{"text":"Correct.","start":554.365,"end":554.865,"sentiment":"neutral","sentiment_score":0.13556836545467377},{"text":"Yeah.","start":563.88495,"end":564.38495,"sentiment":"neutral","sentiment_score":0.12386257201433182},{"text":"Yeah.","start":564.52496,"end":564.845,"sentiment":"neutral","sentiment_score":0.10627646744251253}],"sentiment":"neutral","sentiment_score":0.05760508806121593,"num_words":49,"start":519.73004,"end":564.845},{"sentences":[{"text":"Now when we did the projection before based on what you were invested in a couple of months ago, it was only hitting about 500,000.","start":564.845,"end":572.03,"sentiment":"neutral","sentiment_score":0.04329203113913536},{"text":"So this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance.","start":572.65,"end":579.23,"sentiment":"neutral","sentiment_score":0.04076518152247776},{"text":"But both ways, you're still kind of on track.","start":579.61,"end":582.19,"sentiment":"neutral","sentiment_score":0.28599997361501056},{"text":"I still think probably a good idea to reduce your risk level and save on those premiums.","start":582.48505,"end":588.025,"sentiment":"neutral","sentiment_score":0.22811583210440242},{"text":"Yeah.","start":593.765,"end":594.265,"sentiment":"neutral","sentiment_score":-0.0453256294131279}],"sentiment":"neutral","sentiment_score":0.11332132501175275,"num_words":74,"start":564.845,"end":594.265},{"sentences":[{"text":"There's about a 100,000, but I know it had a bit of a oh, the COVID as well.","start":597.56,"end":602.36,"sentiment":"neutral","sentiment_score":-0.042651902677284345},{"text":"Yeah.","start":602.36,"end":602.83997,"sentiment":"neutral","sentiment_score":0.001483935862779617},{"text":"Yeah.","start":602.83997,"end":603.33997,"sentiment":"neutral","sentiment_score":0.008923939429223537},{"text":"Yeah.","start":604.6,"end":605.07996,"sentiment":"neutral","sentiment_score":0.0319700688123703},{"text":"I'm with you.","start":605.07996,"end":605.95996,"sentiment":"neutral","sentiment_score":0.05903096248706182}],"sentiment":"neutral","sentiment_score":-0.022844309026064973,"num_words":24,"start":597.56,"end":605.95996},{"sentences":[{"text":"I'm with you.","start":605.95996,"end":606.86,"sentiment":"neutral","sentiment_score":0.07355594883362453},{"text":"Yep.","start":615.39496,"end":615.71497,"sentiment":"neutral","sentiment_score":-0.024727709591388702},{"text":"Yep.","start":615.71497,"end":616.21497,"sentiment":"neutral","sentiment_score":-0.04347020387649536},{"text":"Yeah.","start":624.48004,"end":624.98004,"sentiment":"neutral","sentiment_score":-0.00686744786798954},{"text":"There's if you have a lot of time, if you have thirty years, it goes back up, and it goes up, down, up, down, but it grows really well over ten, twenty, thirty years.","start":626.80005,"end":636.42004,"sentiment":"neutral","sentiment_score":0.02326914487297044}],"sentiment":"neutral","sentiment_score":0.023418835271149872,"num_words":40,"start":605.95996,"end":636.42004},{"sentences":[{"text":"And it's still up forty six percent.","start":640.98505,"end":643.005,"sentiment":"neutral","sentiment_score":0.10089549102953502},{"text":"You you had to go up, and then COVID went down, went up, and then the tariffs went down, and it just started going back up again.","start":643.305,"end":649.965,"sentiment":"neutral","sentiment_score":-0.010738241279290782},{"text":"So this should put it back on track.","start":650.57996,"end":652.92,"sentiment":"neutral","sentiment_score":0.11307111568748951},{"text":"Okay.","start":659.86,"end":660.36,"sentiment":"neutral","sentiment_score":0.11016876995563508},{"text":"Now any questions on those strategies, mate?","start":661.45996,"end":664.6,"sentiment":"neutral","sentiment_score":0.09159763689552035}],"sentiment":"neutral","sentiment_score":0.04144514152780175,"num_words":50,"start":640.98505,"end":664.6},{"sentences":[{"text":"Performance.","start":677.895,"end":678.395,"sentiment":"neutral","sentiment_score":0.06161751225590706},{"text":"Yes.","start":683.04004,"end":683.52,"sentiment":"neutral","sentiment_score":0.10014292597770692},{"text":"Yep.","start":683.52,"end":683.92004,"sentiment":"neutral","sentiment_score":0.1082434058189392},{"text":"Sim similar interest, similar return.","start":683.92004,"end":686.10004,"sentiment":"neutral","sentiment_score":0.18741654902696608},{"text":"So you're just paying for life insurance and disability once we cancel the income protection.","start":697.135,"end":702.835,"sentiment":"neutral","sentiment_score":-0.00493028610944748}],"sentiment":"neutral","sentiment_score":0.0492666216324205,"num_words":23,"start":677.895,"end":702.835},{"sentences":[{"text":"That quote says it goes from 10,000 a year to 6,000, so about 4,000 off.","start":703.375,"end":709.315,"sentiment":"neutral","sentiment_score":0.13279970983664194},{"text":"K.","start":713.26996,"end":713.58997,"sentiment":"neutral","sentiment_score":0.15280649065971377},{"text":"We still have to keep an eye on that life and disability insurance because if it goes up again, we may need to trim that down as well, but this should give you a pretty good savings.","start":713.58997,"end":722.41,"sentiment":"neutral","sentiment_score":0.1583496402647044},{"text":"Yep.","start":725.105,"end":725.605,"sentiment":"neutral","sentiment_score":0.034854039549827576},{"text":"And just remember Yeah.","start":725.665,"end":744.17,"sentiment":"neutral","sentiment_score":-0.03629160672426224}],"sentiment":"neutral","sentiment_score":0.13609355932165837,"num_words":58,"start":703.375,"end":744.17},{"sentences":[{"text":"Yep.","start":744.17,"end":744.67,"sentiment":"neutral","sentiment_score":0.05663248896598816},{"text":"And I'm having a look at it too.","start":745.12994,"end":748.58997,"sentiment":"neutral","sentiment_score":0.08152152178809047},{"text":"I'm gonna make sure the price doesn't go up too high.","start":749.32495,"end":751.90497,"sentiment":"neutral","sentiment_score":0.012073644352230158},{"text":"Just bear in mind that, obviously, not being in high risk means you but it's looking pretty similar.","start":752.925,"end":762.56,"sentiment":"neutral","sentiment_score":-0.007403008225891326},{"text":"The fees are lower as well.","start":762.62,"end":764.32,"sentiment":"neutral","sentiment_score":0.17058377092083296}],"sentiment":"neutral","sentiment_score":0.03936052792282267,"num_words":44,"start":744.17,"end":764.32},{"sentences":[{"text":"Well, hopefully, we can get there a bit quicker because I think your goal at 500,000, if the market goes really, really good, might be able to do it earlier than 65.","start":771.18,"end":783.405,"sentiment":"neutral","sentiment_score":0.20818467950448394},{"text":"So we just gotta see what happens with the stock market.","start":783.405,"end":785.825,"sentiment":"neutral","sentiment_score":-0.04855063489892266},{"text":"Yeah.","start":802.18,"end":802.5,"sentiment":"neutral","sentiment_score":0.04553499445319176},{"text":"That's right.","start":802.5,"end":803.06,"sentiment":"neutral","sentiment_score":0.1272154562175274},{"text":"But one of the things that will be hopefully good for you is, normally, the the market the cycle's every five to seven years.","start":803.06,"end":812.515,"sentiment":"neutral","sentiment_score":0.14106761966831982}],"sentiment":"neutral","sentiment_score":0.14019202198833228,"num_words":70,"start":771.18,"end":812.515},{"sentences":[{"text":"So it goes up, up, up, up, up, and then COVID, it goes down.","start":812.975,"end":816.975,"sentiment":"neutral","sentiment_score":-0.016581610377345766},{"text":"And then it goes up, up, up, up, up, and then tariffs, it goes down.","start":816.975,"end":820.595,"sentiment":"neutral","sentiment_score":-0.027535830003519852},{"text":"Hopefully, if we can get another five years of it going up, we may be able to chop it and say, oh, 500,000.","start":820.92,"end":827.39996,"sentiment":"neutral","sentiment_score":0.1853937390057937},{"text":"Let's just protect it and put it into something safe, and then you don't have to wait as long.","start":827.39996,"end":832.3,"sentiment":"neutral","sentiment_score":0.08057580785335679},{"text":"Yeah.","start":838.805,"end":839.125,"sentiment":"positive","sentiment_score":0.3553706407546997}],"sentiment":"neutral","sentiment_score":0.07646093044119577,"num_words":72,"start":812.975,"end":839.125},{"sentences":[{"text":"That'll get you that sort of thousand dollars a week mortgage paid off.","start":839.125,"end":843.145,"sentiment":"positive","sentiment_score":0.47082178180034345},{"text":"If you're happy with that, that should be what we're aiming for.","start":844.005,"end":847.22504,"sentiment":"positive","sentiment_score":0.6126552770535151},{"text":"Cool.","start":850.33,"end":850.83,"sentiment":"positive","sentiment_score":0.43272101879119873},{"text":"Now your review with Kyle was pretty recent, so I don't think there's been any really any changes to work or anything like that.","start":851.85004,"end":858.43,"sentiment":"neutral","sentiment_score":-0.07892269734293222},{"text":"Yep.","start":868.185,"end":868.685,"sentiment":"neutral","sentiment_score":0.08682096004486084}],"sentiment":"neutral","sentiment_score":0.2372145829539673,"num_words":51,"start":839.125,"end":868.685},{"sentences":[{"text":"Gotcha.","start":868.745,"end":869.14496,"sentiment":"neutral","sentiment_score":0.0420408770442009},{"text":"Gotcha.","start":869.14496,"end":869.46497,"sentiment":"neutral","sentiment_score":0.023407703265547752},{"text":"Gotcha.","start":869.46497,"end":869.96497,"sentiment":"neutral","sentiment_score":0.021489640697836876},{"text":"Yeah.","start":871.94495,"end":872.44495,"sentiment":"neutral","sentiment_score":0.05582062900066376},{"text":"Goes up and down.","start":872.58496,"end":873.725,"sentiment":"neutral","sentiment_score":0.04573782254010439}],"sentiment":"neutral","sentiment_score":0.040713767521083355,"num_words":8,"start":868.745,"end":873.725},{"sentences":[{"text":"Yeah.","start":881.33,"end":881.65,"sentiment":"neutral","sentiment_score":0.08920557796955109},{"text":"I'll have a look and see if that's come through.","start":881.65,"end":883.65,"sentiment":"neutral","sentiment_score":0.07646734789013862},{"text":"I just wanna let you know one more thing.","start":883.65,"end":885.825,"sentiment":"neutral","sentiment_score":0.13914520955748028},{"text":"With the the estate planning, I'll put in a recommendation for your super and your life insurance to go to your will and that you're gonna put in place a will for where your your house and your super and your life insurance go.","start":887.34503,"end":907.22003,"sentiment":"neutral","sentiment_score":0.1711009888147766},{"text":"K?","start":912.33496,"end":912.81494,"sentiment":"neutral","sentiment_score":0.028933607041835785}],"sentiment":"neutral","sentiment_score":0.14867020088892716,"num_words":65,"start":881.33,"end":912.81494},{"sentences":[{"text":"Now do you remember with the will, you can go to a lawyer, you can go to, like, the courthouse, and you can also get a a will kit from Australia Post for $25 if you want.","start":912.81494,"end":924.09,"sentiment":"neutral","sentiment_score":0.05369166113637589},{"text":"Similar.","start":933.05005,"end":933.55005,"sentiment":"neutral","sentiment_score":-0.04879138618707657},{"text":"No.","start":935.13,"end":935.37006,"sentiment":"neutral","sentiment_score":-0.0970737487077713},{"text":"So the lawyer can be expensive, but if you go to, like, the courthouse, the public trustee, real estate, they also do wills as well.","start":935.37006,"end":945.095,"sentiment":"neutral","sentiment_score":-0.02892575763165951},{"text":"Kinda like justice of the peace.","start":945.095,"end":946.795,"sentiment":"neutral","sentiment_score":0.08799329151709874}],"sentiment":"neutral","sentiment_score":0.02350774479231664,"num_words":70,"start":912.81494,"end":946.795},{"sentences":[{"text":"Similar.","start":947.01495,"end":947.51495,"sentiment":"neutral","sentiment_score":0.03665817528963089},{"text":"And you're in Western Australia.","start":953.49,"end":955.67,"sentiment":"neutral","sentiment_score":0.025260401517152788},{"text":"Right?","start":955.73,"end":956.23,"sentiment":"neutral","sentiment_score":0.03442003205418587},{"text":"Okay.","start":958.52997,"end":958.93,"sentiment":"neutral","sentiment_score":0.06403759121894836},{"text":"Let me just quickly check.","start":958.93,"end":960.23,"sentiment":"neutral","sentiment_score":0.03966905400156975}],"sentiment":"neutral","sentiment_score":0.03536639047356752,"num_words":13,"start":947.01495,"end":960.23},{"sentences":[{"text":"Yeah.","start":962.44995,"end":962.85,"sentiment":"neutral","sentiment_score":0.06142047047615051},{"text":"So we've got when I go on Google and I type in West Australia public trustee, it comes up in Perth in 553 Hay Street in Perth, and they also do appointments for wheels and power of attorney.","start":962.85,"end":979.445,"sentiment":"neutral","sentiment_score":0.04699353653153306},{"text":"Yeah.","start":986.5,"end":986.74,"sentiment":"neutral","sentiment_score":0.16748195886611938},{"text":"Wherever you want.","start":986.74,"end":987.7,"sentiment":"neutral","sentiment_score":0.15287788212299347},{"text":"I just wanna let you know that if we put in, we're gonna send you the beneficiary form for your super and your insurance to go into the will, and you're just gonna make sure that you do put in place to get up if you don't have a will.","start":987.7,"end":1001.34503,"sentiment":"neutral","sentiment_score":0.1876731987297535}],"sentiment":"neutral","sentiment_score":0.1274940903268514,"num_words":93,"start":962.44995,"end":1001.34503},{"sentences":[{"text":"You don't have to send us the will.","start":1008.52,"end":1009.68,"sentiment":"neutral","sentiment_score":0.1991900224238634},{"text":"You're just gonna let us know that you've done it.","start":1009.68,"end":1011.24,"sentiment":"neutral","sentiment_score":0.27475497871637344},{"text":"That's all.","start":1011.24,"end":1011.98004,"sentiment":"neutral","sentiment_score":0.16987934708595276},{"text":"Yep.","start":1015.08,"end":1015.58,"sentiment":"neutral","sentiment_score":0.16365264356136322},{"text":"Now just quickly, Alan, with the way you want the super and the life insurance to go in the will, have you already chosen who you want to get it?","start":1016.60004,"end":1026.0751,"sentiment":"neutral","sentiment_score":0.16832335243622462}],"sentiment":"neutral","sentiment_score":0.19400356622303233,"num_words":51,"start":1008.52,"end":1026.0751},{"sentences":[{"text":"Yeah.","start":1038.64,"end":1038.88,"sentiment":"neutral","sentiment_score":0.23519986867904663},{"text":"Awesome.","start":1038.88,"end":1039.2799,"sentiment":"positive","sentiment_score":0.41416674852371216},{"text":"And all the kids are 18 or 18?","start":1039.2799,"end":1042.6599,"sentiment":"neutral","sentiment_score":0.11088882386684418},{"text":"Under eighteen.","start":1046.255,"end":1047.135,"sentiment":"neutral","sentiment_score":0.03261575009673834},{"text":"Okay.","start":1047.135,"end":1047.535,"sentiment":"neutral","sentiment_score":0.2600444555282593}],"sentiment":"neutral","sentiment_score":0.1432117818353268,"num_words":13,"start":1038.64,"end":1047.535},{"sentences":[{"text":"Cool.","start":1047.535,"end":1047.8551,"sentiment":"positive","sentiment_score":0.483943372964859},{"text":"So that would be good.","start":1047.8551,"end":1049.0751,"sentiment":"positive","sentiment_score":0.4757164180278778},{"text":"When, excuse me, when you talk to the solicitor or the courthouse can do you have a pen and paper handy, sir?","start":1049.295,"end":1059.3151,"sentiment":"neutral","sentiment_score":0.020451893098652363},{"text":"Really just your identification.","start":1069.61,"end":1070.99,"sentiment":"neutral","sentiment_score":-0.009358688723295927},{"text":"There's something, yeah, in the name of the people and where they live.","start":1075.795,"end":1080.275,"sentiment":"neutral","sentiment_score":0.027475702218138255}],"sentiment":"neutral","sentiment_score":0.08071592189371586,"num_words":45,"start":1047.535,"end":1080.275},{"sentences":[{"text":"And the type of will that you you might be looking for is called a testamentary trust will.","start":1080.275,"end":1088.23,"sentiment":"neutral","sentiment_score":0.04112318240933948},{"text":"So Yes.","start":1092.05,"end":1098.0651,"sentiment":"neutral","sentiment_score":0.05940862372517586},{"text":"Yes.","start":1098.0651,"end":1098.465,"sentiment":"neutral","sentiment_score":0.11892575770616531},{"text":"I'll send you a quick email just because the what it does, if you put in place a a will, it a testamentary trust will, it creates a trust fund for the kids when you when you die, And then you can say how much money they get, whether they get a little bit now.","start":1098.465,"end":1116.49,"sentiment":"neutral","sentiment_score":0.08973458053713496},{"text":"Yep.","start":1123.51,"end":1123.83,"sentiment":"positive","sentiment_score":0.49941813945770264}],"sentiment":"neutral","sentiment_score":0.08328286178603575,"num_words":77,"start":1080.275,"end":1123.83},{"sentences":[{"text":"I will send you an email.","start":1123.83,"end":1125.37,"sentiment":"positive","sentiment_score":0.503875528772672},{"text":"No.","start":1126.965,"end":1127.205,"sentiment":"neutral","sentiment_score":0.14513036608695984},{"text":"That's totally okay.","start":1127.205,"end":1128.405,"sentiment":"neutral","sentiment_score":0.26025761167208356},{"text":"Do you have any questions for me?","start":1128.405,"end":1130.025,"sentiment":"neutral","sentiment_score":0.11990199770246233},{"text":"Awesome.","start":1144.34,"end":1144.82,"sentiment":"positive","sentiment_score":0.5143791437149048}],"sentiment":"neutral","sentiment_score":0.29460275007618797,"num_words":18,"start":1123.83,"end":1144.82},{"sentences":[{"text":"So get the risk down a little bit, try and get the the interest up, save on the fees for the insurances, and get the the will sorted.","start":1144.82,"end":1154.2,"sentiment":"neutral","sentiment_score":0.25076371857098173},{"text":"Yeah.","start":1163.055,"end":1163.4551,"sentiment":"neutral","sentiment_score":-0.09542050957679749},{"text":"Yeah.","start":1163.4551,"end":1163.775,"sentiment":"neutral","sentiment_score":-0.08507749438285828},{"text":"It's 4,000.","start":1163.775,"end":1165.0751,"sentiment":"neutral","sentiment_score":-0.07131139561533928},{"text":"When it gets canceled, because you've signed and we cancel it, they'll give you a two month refund because the next premium is not due until June.","start":1166.015,"end":1175.4,"sentiment":"neutral","sentiment_score":-0.049297282127318556}],"sentiment":"neutral","sentiment_score":0.09097011368406022,"num_words":59,"start":1144.82,"end":1175.4},{"sentences":[{"text":"So they'll give you another, I think, $600 back.","start":1175.7001,"end":1178.68,"sentiment":"neutral","sentiment_score":-0.001427630376484659},{"text":"Yeah.","start":1186.1151,"end":1186.515,"sentiment":"positive","sentiment_score":0.3824752569198608},{"text":"That's a lot.","start":1186.515,"end":1187.415,"sentiment":"positive","sentiment_score":0.7577189803123474},{"text":"That's a lot.","start":1187.4751,"end":1188.4551,"sentiment":"neutral","sentiment_score":0.2035384327173233},{"text":"No worries.","start":1189.7151,"end":1190.3551,"sentiment":"neutral","sentiment_score":0.13349950313568115}],"sentiment":"neutral","sentiment_score":0.19557765716065964,"num_words":18,"start":1175.7001,"end":1190.3551},{"sentences":[{"text":"Anything else I can do for you, sir, before I let you go?","start":1190.3551,"end":1192.98,"sentiment":"neutral","sentiment_score":0.13490368597782576},{"text":"Yeah.","start":1200.02,"end":1200.4199,"sentiment":"neutral","sentiment_score":0.00816916674375534},{"text":"It's come through sign.","start":1200.4199,"end":1201.7999,"sentiment":"neutral","sentiment_score":0.004682558123022318},{"text":"Let me have a look.","start":1205.0599,"end":1206.52,"sentiment":"neutral","sentiment_score":0.011918005533516407},{"text":"Yep.","start":1209.8151,"end":1210.135,"sentiment":"neutral","sentiment_score":0.054693154990673065}],"sentiment":"neutral","sentiment_score":0.07895543748357643,"num_words":24,"start":1190.3551,"end":1210.135},{"sentences":[{"text":"Let me have a look.","start":1210.135,"end":1210.8551,"sentiment":"neutral","sentiment_score":0.03983086571097374},{"text":"I'll go down to the SLA.","start":1210.8551,"end":1212.155,"sentiment":"neutral","sentiment_score":0.030723026022315025},{"text":"One sec.","start":1212.375,"end":1213.0951,"sentiment":"neutral","sentiment_score":0.021595302037894726},{"text":"Here we go.","start":1213.0951,"end":1213.915,"sentiment":"neutral","sentiment_score":0.039176406959692635},{"text":"There it is.","start":1216.775,"end":1217.755,"sentiment":"neutral","sentiment_score":0.058249376714229584}],"sentiment":"neutral","sentiment_score":0.03784002314664816,"num_words":19,"start":1210.135,"end":1217.755},{"sentences":[{"text":"Yep.","start":1220.615,"end":1221.115,"sentiment":"neutral","sentiment_score":0.14807146787643433},{"text":"That's fine.","start":1223.61,"end":1224.51,"sentiment":"neutral","sentiment_score":0.234441839158535},{"text":"Yeah.","start":1226.41,"end":1226.81,"sentiment":"neutral","sentiment_score":0.2802024781703949},{"text":"That's that's acceptable for us.","start":1226.81,"end":1228.49,"sentiment":"positive","sentiment_score":0.4377735614776611},{"text":"That's perfect.","start":1228.49,"end":1229.31,"sentiment":"positive","sentiment_score":0.7198569178581238}],"sentiment":"positive","sentiment_score":0.411430842497132,"num_words":11,"start":1220.615,"end":1229.31},{"sentences":[{"text":"And then for the insurance, that looks good, and that's it.","start":1229.61,"end":1233.6901,"sentiment":"positive","sentiment_score":0.39381964911114087},{"text":"It was only the two.","start":1233.6901,"end":1234.99,"sentiment":"neutral","sentiment_score":0.08727125972509384},{"text":"Too quick.","start":1253.3201,"end":1254.06,"sentiment":"neutral","sentiment_score":-0.0069207483902573586},{"text":"Yeah.","start":1264.335,"end":1264.655,"sentiment":"neutral","sentiment_score":0.049311064183712006},{"text":"No.","start":1264.655,"end":1264.975,"sentiment":"neutral","sentiment_score":0.016297385096549988}],"sentiment":"neutral","sentiment_score":0.2410069695673883,"num_words":20,"start":1229.61,"end":1264.975},{"sentences":[{"text":"That's fine, mate.","start":1264.975,"end":1265.855,"sentiment":"neutral","sentiment_score":0.10131660600503285},{"text":"And next one will probably be with me or my colleague.","start":1265.855,"end":1269.715,"sentiment":"neutral","sentiment_score":0.07137419859116728},{"text":"We'll make sure we take time to explain it and you can see it.","start":1269.775,"end":1272.995,"sentiment":"neutral","sentiment_score":0.08063742039459092},{"text":"That's totally fine.","start":1275.295,"end":1276.515,"sentiment":"neutral","sentiment_score":-0.04151005173722903},{"text":"No worries.","start":1281.99,"end":1282.81,"sentiment":"neutral","sentiment_score":0.019013640470802784}],"sentiment":"neutral","sentiment_score":0.06459051556885242,"num_words":33,"start":1264.975,"end":1282.81},{"sentences":[{"text":"No worries.","start":1283.67,"end":1284.49,"sentiment":"neutral","sentiment_score":0.054501164704561234},{"text":"So do you mind if I send you a text message?","start":1284.87,"end":1287.5901,"sentiment":"neutral","sentiment_score":0.03544311835007234},{"text":"And if you're happy, you can maybe leave a Google review?","start":1287.5901,"end":1290.25,"sentiment":"neutral","sentiment_score":0.3307309706102718},{"text":"Perfect.","start":1293.495,"end":1293.995,"sentiment":"positive","sentiment_score":0.7966516017913818},{"text":"Awesome.","start":1294.055,"end":1294.375,"sentiment":"positive","sentiment_score":0.8225058913230896}],"sentiment":"neutral","sentiment_score":0.2213874923495146,"num_words":26,"start":1283.67,"end":1294.375},{"sentences":[{"text":"If you have any questions, please call back.","start":1294.375,"end":1296.555,"sentiment":"positive","sentiment_score":0.36997670866549015},{"text":"Awesome, Alan.","start":1299.8789,"end":1300.5989,"sentiment":"positive","sentiment_score":0.8161074221134186},{"text":"Have a great day, and I'll talk to you soon then.","start":1300.5989,"end":1303.0189,"sentiment":"positive","sentiment_score":0.7128719416531649},{"text":"Thank you.","start":1305.9589,"end":1306.439,"sentiment":"positive","sentiment_score":0.6550774574279785},{"text":"Bye.","start":1306.439,"end":1306.939,"sentiment":"positive","sentiment_score":0.36222678422927856}],"sentiment":"positive","sentiment_score":0.587750065450867,"num_words":24,"start":1294.375,"end":1306.939}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Yeah. Okay. Yes. Yes. Sure. 24121971Number10HendonVistaWellard6170Western Australia. Yep. Yesterday. Okay. Sign the signed document. Yeah. Yes. I'm looking for the first, I'm going to sign it. Wait a minute. Yep. Okay. So one for nails. Yeah. Mhmm. Yep. Yep. So this is how many how many signature is two? Or wait a minute. I signed already two pages from Nails. Yes. That's what I see it. Yeah. After yep. I'm I'm looking for the overview. Where is it? What pages is that? What pages to sign it in? Just I've I've just only opened my my on my cell phone, you know, just so it's yeah. So just I I quite the top to look for it. You can see me the oh, very top. Yep. Okay. Yes. Okay. Yes. Yes. Yes. Looks like yeah. So it's very yeah. I see it. I opened the network. My account is not very good. It looks like I'm saving and then everything we go I'm not blaming you, whatever. You just all the interest, I just pay for everything. You just I said, oh, this looks like I'm just saving for super, not making any money. Yeah. Yep. Yes. Yes. Yeah. Your account, just one is the best. Yeah? Yep. Seven, ten, 18. Seven 18. Yep. 17. Yep. 17 18. Yep. Number what number is it? Okay. Yeah. It's so wait a minute. Yeah. Yeah. 11 point 22%, and the high growth is 11 point 63. But the difference is zero negative. So I lost because it's negative. Yeah. Correct? Okay. Yep. Oh, yeah. Yep. Yep. Yep. That's that's yeah. That's good. And then yeah. Yeah. What what what number is it? Nine. Yeah. Yes. Projected balance. This is comparison number 18. Yeah. Number 19. Yep. Oh, yeah. Projected yeah. Projected balance. Yep. Yes. Yep. Okay. Yep. And and and current is $4,431,000. It belongs up in ten years. Should be another 65. It's $6.40. Yeah. Correct? And then recommended. Yes. Okay. Yeah. Yeah. Yeah. Okay. So the different is 10,000 and then 23,000. Okay. Yep. Yes. Makes sense. Yeah. Makes sense. Yes. Yes. Yeah. Yeah. I think that one because I lost so much money. It's already I think I lost already a 100,000. Sure. From COVID from yeah. Yeah. And then with the from when the due for the what do you call this? The tariff Australia, you know? I think every everyone in this one is everyone lose money and you if you are in a high risk for that. Everyone. Yeah. Correct? Okay. Okay. Yep. Yes. Yeah. Yeah. Okay. Yeah. So good. Yeah. Yes. That's yeah. You make it very short. I now I understand. So now on the medium rest and the same I recorded the same the same interest. Yep. I recall it. Yep. Yeah. So now I'm just paying for income protection. Correct? Yep. That's good. Yeah. Yep. Because I don't need it. Just before I wore it because of the because of the I'm filling my house now. I don't really worried. So this this that's one thing I am I'm I'm worried. Yeah. I think I have to retire 65 because of this money losing. Yes. Yes. Yes. Yes. Yeah. No. No one can control everything for that. Even yeah. That's one thing I have to put on my mind. Even I pay for this kind of financial adviser, so you cannot control everything. Yep. Yes. Yep. Yeah. Yeah. It probably expires the thousand, I think, should be okay. Yes. It's nothing. Yeah. I've I have already four weeks no work, but I'm coming I'm have a work on this this month. So yes. Because I'm casual, you know, so yeah. That's it. Yeah. Yeah. Okay. So I I'm checking everything is already signed. So yeah. Wait a minute. Yep. Yes. Yep. Okay. Which what's the best? You go to Justice of the Fees or no. You have to go to the lawyer, the right. That's too expensive. Yeah. Okay. I think I know now. This this one yeah. I got you. I got you. So yeah. Yes. I think in part. Yep. I see it. Yeah. Yeah. Just yeah. Yeah. Alright. So I will do my will wherever I want. Yeah. I have to Okay. Yes, sir. Because so once I I make the wheel, I will send it to you. Yep. Okay. That's okay. Fair enough. Yeah. Yeah. Everything's for my kids, you know, because wife is have already have their own superannuation, you know. My wife is working too, so the kid is think I look after the kids. Under eighteen. Yes. So what what what papers what document I need to bring? A certificate or birth certificate or whatever? No need? Okay. That's it. Yeah. Yeah. And the name of the okay. Yeah. Yeah. Okay. Okay. Can you can you send it to my email, that one? The one you said? Yep. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Alright. That's fair enough. Thank you so much for that four eight. Yeah. Yep. Yes. So far, it's yeah. Just you can do anything for that because the market is is not your control. You just give me advice. And then I think that's fair enough for me. Yep. Yeah. Yeah. I think it's fair enough for me to get out to get off the income protection. It should be expensive, you know? Yes. Very expensive. Yes. Okay. Yeah. Yes. Yeah. Imagine if for last ten years, I pay 4,000. It's gonna be 40,000. Awesome. Okay. Thank you so much for that. Yeah. Yeah. Yeah. Yeah. All good. Yes. I signed already, and then I hope you check it if everything is good. I I just only mistake. I put thirty days. Yeah. Yeah. What should be alright? Yeah? It's like thirty and four and '26. Yeah. Yeah. Yeah. Yeah. Yeah. It's quite Yeah. Thank you so much. Yeah. Yeah. All good. Yeah. So it's good. This is the way I like. The last year, the lady I don't don't get me wrong. It's it's so quick. And then they do give me like this. So I said, I said, how come yeah. It should be like every year. But last year, I don't I forget the lady, but I mean yeah. Yeah. I hope next time it should be like this. I can see everything here. Not only talking and then that's it. And then you sign it. Yeah. Yeah. Yeah. I I I I rather prefer you. Don't get me wrong with it. I'll say for that to you. You'll be alright for that. Okay. Thank you so much. Yes. Sure. Sure. Yes. Sure. Thank you so much. Yeah. Yeah. You too. Yep. Thank you. 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I'm good. Yeah. Okay. Yes.\n\nYes. Sure. 24121971Number10HendonVistaWellard6170Western Australia. Yep. Yesterday.\n\nOkay. Sign the signed document. Yeah. Yes. I'm looking for the first, I'm going to sign it.\n\nWait a minute. Yep. Okay. So one for nails. Yeah.\n\nMhmm. Yep. Yep. So this is how many how many signature is two? Or wait a minute.\n\nI signed already two pages from Nails. Yes. That's what I see it. Yeah. After yep.\n\nI'm I'm looking for the overview. Where is it? What pages is that? What pages to sign it in? Just I've I've just only opened my my on my cell phone, you know, just so it's yeah.\n\nSo just I I quite the top to look for it. You can see me the oh, very top. Yep. Okay. Yes.\n\nOkay. Yes. Yes. Yes. Looks like yeah.\n\nSo it's very yeah. I see it. I opened the network. My account is not very good. It looks like I'm saving and then everything we go I'm not blaming you, whatever.\n\nYou just all the interest, I just pay for everything. You just I said, oh, this looks like I'm just saving for super, not making any money. Yeah. Yep. Yes.\n\nYes. Yeah. Your account, just one is the best. Yeah? Yep.\n\nSeven, ten, 18. Seven 18. Yep. 17. Yep.\n\n17 18. Yep. Number what number is it? Okay. Yeah.\n\nIt's so wait a minute. Yeah. Yeah. 11 point 22%, and the high growth is 11 point 63. But the difference is zero negative.\n\nSo I lost because it's negative. Yeah. Correct? Okay. Yep.\n\nOh, yeah. Yep. Yep. Yep. That's that's yeah.\n\nThat's good. And then yeah. Yeah. What what what number is it? Nine.\n\nYeah. Yes. Projected balance. This is comparison number 18. Yeah.\n\nNumber 19. Yep. Oh, yeah. Projected yeah. Projected balance.\n\nYep. Yes. Yep. Okay. Yep.\n\nAnd and and current is $4,431,000. It belongs up in ten years. Should be another 65. It's $6.40. Yeah.\n\nCorrect? And then recommended. Yes. Okay. Yeah.\n\nYeah. Yeah. Okay. So the different is 10,000 and then 23,000. Okay.\n\nYep. Yes. Makes sense. Yeah. Makes sense.\n\nYes. Yes. Yeah. Yeah. I think that one because I lost so much money.\n\nIt's already I think I lost already a 100,000. Sure. From COVID from yeah. Yeah. And then with the from when the due for the what do you call this?\n\nThe tariff Australia, you know? I think every everyone in this one is everyone lose money and you if you are in a high risk for that. Everyone. Yeah. Correct?\n\nOkay. Okay. Yep. Yes. Yeah.\n\nYeah. Okay. Yeah. So good. Yeah.\n\nYes. That's yeah. You make it very short. I now I understand. So now on the medium rest and the same I recorded the same the same interest.\n\nYep. I recall it. Yep. Yeah. So now I'm just paying for income protection.\n\nCorrect? Yep. That's good. Yeah. Yep.\n\nBecause I don't need it. Just before I wore it because of the because of the I'm filling my house now. I don't really worried. So this this that's one thing I am I'm I'm worried. Yeah.\n\nI think I have to retire 65 because of this money losing. Yes. Yes. Yes. Yes.\n\nYeah. No. No one can control everything for that. Even yeah. That's one thing I have to put on my mind.\n\nEven I pay for this kind of financial adviser, so you cannot control everything. Yep. Yes. Yep. Yeah.\n\nYeah. It probably expires the thousand, I think, should be okay. Yes. It's nothing. Yeah.\n\nI've I have already four weeks no work, but I'm coming I'm have a work on this this month. So yes. Because I'm casual, you know, so yeah. That's it. Yeah.\n\nYeah. Okay. So I I'm checking everything is already signed. So yeah. Wait a minute.\n\nYep. Yes. Yep. Okay. Which what's the best?\n\nYou go to Justice of the Fees or no. You have to go to the lawyer, the right. That's too expensive. Yeah. Okay.\n\nI think I know now. This this one yeah. I got you. I got you. So yeah.\n\nYes. I think in part. Yep. I see it. Yeah.\n\nYeah. Just yeah. Yeah. Alright. So I will do my will wherever I want.\n\nYeah. I have to Okay. Yes, sir. Because so once I I make the wheel, I will send it to you. Yep.\n\nOkay. That's okay. Fair enough. Yeah. Yeah.\n\nEverything's for my kids, you know, because wife is have already have their own superannuation, you know. My wife is working too, so the kid is think I look after the kids. Under eighteen. Yes. So what what what papers what document I need to bring?\n\nA certificate or birth certificate or whatever? No need? Okay. That's it. Yeah.\n\nYeah. And the name of the okay. Yeah. Yeah. Okay.\n\nOkay. Can you can you send it to my email, that one? The one you said? Yep. Yeah.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nYeah. Yeah. Alright. That's fair enough. Thank you so much for that four eight.\n\nYeah. Yep. Yes. So far, it's yeah. Just you can do anything for that because the market is is not your control.\n\nYou just give me advice. And then I think that's fair enough for me. Yep. Yeah. Yeah.\n\nI think it's fair enough for me to get out to get off the income protection. It should be expensive, you know? Yes. Very expensive. Yes.\n\nOkay. Yeah. Yes. Yeah. Imagine if for last ten years, I pay 4,000.\n\nIt's gonna be 40,000. Awesome. Okay. Thank you so much for that. Yeah.\n\nYeah. Yeah. Yeah. All good. Yes.\n\nI signed already, and then I hope you check it if everything is good. I I just only mistake. I put thirty days. Yeah. Yeah.\n\nWhat should be alright? Yeah? It's like thirty and four and '26. Yeah. Yeah.\n\nYeah. Yeah. Yeah. It's quite Yeah. Thank you so much.\n\nYeah. Yeah. All good. Yeah. So it's good.\n\nThis is the way I like. The last year, the lady I don't don't get me wrong. It's it's so quick. And then they do give me like this. So I said, I said, how come yeah.\n\nIt should be like every year. But last year, I don't I forget the lady, but I mean yeah. Yeah. I hope next time it should be like this. I can see everything here.\n\nNot only talking and then that's it. And then you sign it. Yeah. Yeah. Yeah.\n\nI I I I rather prefer you. Don't get me wrong with it. I'll say for that to you. You'll be alright for that. Okay.\n\nThank you so much. Yes. Sure. Sure. Yes.\n\nSure. Thank you so much. Yeah. Yeah. You too.\n\nYep. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.07587040960788727},{"text":"I'm good.","start":7.44,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5770074725151062},{"text":"Yeah.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.5357122421264648},{"text":"Okay.","start":17.425,"end":17.925,"sentiment":"neutral","sentiment_score":0.17659235000610352},{"text":"Yes.","start":28.785,"end":28.865,"sentiment":"neutral","sentiment_score":0.09485436230897903}],"sentiment":"positive","sentiment_score":0.33950738484660786,"num_words":6,"start":0.56,"end":28.865},{"sentences":[{"text":"Yes.","start":28.865,"end":29.105,"sentiment":"neutral","sentiment_score":0.10406030714511871},{"text":"Sure.","start":29.105,"end":29.605,"sentiment":"neutral","sentiment_score":0.20389431715011597},{"text":"24121971Number10HendonVistaWellard6170Western 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best.","start":333.465,"end":334.98502,"sentiment":"positive","sentiment_score":0.3622438056128366},{"text":"Yeah?","start":334.98502,"end":335.48502,"sentiment":"neutral","sentiment_score":0.23227201402187347},{"text":"Yep.","start":347.28,"end":347.78,"sentiment":"neutral","sentiment_score":0.13662947714328766}],"sentiment":"neutral","sentiment_score":0.2898037638515234,"num_words":11,"start":310.7,"end":347.78},{"sentences":[{"text":"Seven, ten, 18.","start":370.94,"end":372.08,"sentiment":"neutral","sentiment_score":0.025981849059462547},{"text":"Seven 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fair enough.","start":1122.79,"end":1123.43,"sentiment":"neutral","sentiment_score":0.3033195734024048},{"text":"Thank you so much for that four eight.","start":1123.43,"end":1125.3701,"sentiment":"positive","sentiment_score":0.4853423535823822}],"sentiment":"positive","sentiment_score":0.3693517143172877,"num_words":14,"start":1120.9501,"end":1125.3701},{"sentences":[{"text":"Yeah.","start":1125.75,"end":1126.0701,"sentiment":"neutral","sentiment_score":0.1601114273071289},{"text":"Yep.","start":1126.0701,"end":1126.5701,"sentiment":"neutral","sentiment_score":0.14161615073680878},{"text":"Yes.","start":1131.665,"end":1131.985,"sentiment":"neutral","sentiment_score":0.11588090658187866},{"text":"So far, it's yeah.","start":1131.985,"end":1133.185,"sentiment":"neutral","sentiment_score":0.12211943045258522},{"text":"Just you can do anything for that because the market is is not your control.","start":1133.185,"end":1136.785,"sentiment":"neutral","sentiment_score":0.11293877313534419}],"sentiment":"neutral","sentiment_score":0.11818944561210545,"num_words":22,"start":1125.75,"end":1136.785},{"sentences":[{"text":"You just give me advice.","start":1136.785,"end":1138.165,"sentiment":"neutral","sentiment_score":0.11772551685571671},{"text":"And then I think that's fair enough for me.","start":1138.465,"end":1140.7301,"sentiment":"neutral","sentiment_score":0.20019702282216814},{"text":"Yep.","start":1149.67,"end":1150.17,"sentiment":"neutral","sentiment_score":0.15468329191207886},{"text":"Yeah.","start":1154.645,"end":1154.805,"sentiment":"neutral","sentiment_score":0.043336547911167145},{"text":"Yeah.","start":1154.805,"end":1155.045,"sentiment":"neutral","sentiment_score":0.012514885514974594}],"sentiment":"neutral","sentiment_score":0.15299620676566572,"num_words":17,"start":1136.785,"end":1155.045},{"sentences":[{"text":"I think it's fair enough for me to get out to get off the income protection.","start":1155.045,"end":1159.2451,"sentiment":"neutral","sentiment_score":-0.01143732521450147},{"text":"It should be expensive, you know?","start":1159.2451,"end":1161.305,"sentiment":"neutral","sentiment_score":-0.17589911570151648},{"text":"Yes.","start":1162.3251,"end":1162.645,"sentiment":"neutral","sentiment_score":-0.14732834696769714},{"text":"Very 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4,000.","start":1180.045,"end":1182.605,"sentiment":"neutral","sentiment_score":-0.029475308747755155}],"sentiment":"neutral","sentiment_score":-0.01979990002627556,"num_words":13,"start":1175.92,"end":1182.605},{"sentences":[{"text":"It's gonna be 40,000.","start":1182.605,"end":1183.985,"sentiment":"neutral","sentiment_score":0.015092304907739162},{"text":"Awesome.","start":1185.485,"end":1185.965,"sentiment":"neutral","sentiment_score":0.3166317939758301},{"text":"Okay.","start":1185.965,"end":1186.285,"sentiment":"neutral","sentiment_score":0.10213195532560349},{"text":"Thank you so much for that.","start":1186.285,"end":1187.485,"sentiment":"positive","sentiment_score":0.6951357026894888},{"text":"Yeah.","start":1187.485,"end":1187.805,"sentiment":"neutral","sentiment_score":0.21548113226890564}],"sentiment":"positive","sentiment_score":0.37426371671832526,"num_words":13,"start":1182.605,"end":1187.805},{"sentences":[{"text":"Yeah.","start":1187.805,"end":1188.305,"sentiment":"neutral","sentiment_score":0.1190914586186409},{"text":"Yeah.","start":1188.845,"end":1189.345,"sentiment":"neutral","sentiment_score":0.11478686332702635},{"text":"Yeah.","start":1189.405,"end":1189.65,"sentiment":"neutral","sentiment_score":0.10503487288951874},{"text":"All good.","start":1193.73,"end":1194.29,"sentiment":"positive","sentiment_score":0.45456697046756744},{"text":"Yes.","start":1194.29,"end":1194.53,"sentiment":"neutral","sentiment_score":0.17918747663497925}],"sentiment":"neutral","sentiment_score":0.23787243540088335,"num_words":6,"start":1187.805,"end":1194.53},{"sentences":[{"text":"I signed already, and then I hope you check it if everything is good.","start":1194.53,"end":1198.47,"sentiment":"neutral","sentiment_score":0.19892721410308564},{"text":"I I just only mistake.","start":1198.93,"end":1200.2101,"sentiment":"neutral","sentiment_score":-0.047788581997156146},{"text":"I put thirty days.","start":1200.2101,"end":1201.51,"sentiment":"neutral","sentiment_score":0.001270025735720992},{"text":"Yeah.","start":1201.5701,"end":1201.81,"sentiment":"neutral","sentiment_score":0.02910487912595272},{"text":"Yeah.","start":1201.81,"end":1202.2101,"sentiment":"neutral","sentiment_score":0.03652646392583847}],"sentiment":"neutral","sentiment_score":0.10466998133808375,"num_words":25,"start":1194.53,"end":1202.2101},{"sentences":[{"text":"What should be alright?","start":1202.2101,"end":1203.09,"sentiment":"neutral","sentiment_score":0.03772913804277778},{"text":"Yeah?","start":1203.09,"end":1203.435,"sentiment":"neutral","sentiment_score":0.017816901206970215},{"text":"It's like thirty and four and '26.","start":1204.635,"end":1207.1951,"sentiment":"neutral","sentiment_score":0.009211905832801546},{"text":"Yeah.","start":1207.1951,"end":1207.6951,"sentiment":"neutral","sentiment_score":0.028754938393831253},{"text":"Yeah.","start":1209.035,"end":1209.355,"sentiment":"neutral","sentiment_score":0.03338552266359329}],"sentiment":"neutral","sentiment_score":0.02109694680465119,"num_words":14,"start":1202.2101,"end":1209.355},{"sentences":[{"text":"Yeah.","start":1209.355,"end":1209.675,"sentiment":"neutral","sentiment_score":0.039425045251846313},{"text":"Yeah.","start":1209.675,"end":1210.175,"sentiment":"neutral","sentiment_score":0.047429174184799194},{"text":"Yeah.","start":1218.555,"end":1218.635,"sentiment":"neutral","sentiment_score":0.10926784574985504},{"text":"It's quite Yeah.","start":1218.635,"end":1235.7649,"sentiment":"neutral","sentiment_score":0.19860815505186716},{"text":"Thank you so much.","start":1235.7649,"end":1236.4049,"sentiment":"positive","sentiment_score":0.5463780015707016}],"sentiment":"neutral","sentiment_score":0.29774585366249084,"num_words":10,"start":1209.355,"end":1236.4049},{"sentences":[{"text":"Yeah.","start":1236.4049,"end":1236.6449,"sentiment":"neutral","sentiment_score":0.27990996837615967},{"text":"Yeah.","start":1236.6449,"end":1236.8049,"sentiment":"neutral","sentiment_score":0.30260032415390015},{"text":"All good.","start":1236.8049,"end":1237.2849,"sentiment":"positive","sentiment_score":0.3837404251098633},{"text":"Yeah.","start":1237.2849,"end":1237.7849,"sentiment":"neutral","sentiment_score":0.3265085816383362},{"text":"So it's good.","start":1237.9249,"end":1238.565,"sentiment":"positive","sentiment_score":0.4968007405598958}],"sentiment":"positive","sentiment_score":0.39586274325847626,"num_words":8,"start":1236.4049,"end":1238.565},{"sentences":[{"text":"This is the way I like.","start":1238.565,"end":1239.865,"sentiment":"positive","sentiment_score":0.47069382667541504},{"text":"The last year, the lady I don't don't get me wrong.","start":1239.9249,"end":1242.725,"sentiment":"neutral","sentiment_score":0.049616879698905075},{"text":"It's it's so quick.","start":1242.725,"end":1243.845,"sentiment":"neutral","sentiment_score":0.15413186326622963},{"text":"And then they do give me like this.","start":1243.845,"end":1245.5249,"sentiment":"neutral","sentiment_score":0.08271101024001837},{"text":"So I said, I said, how come yeah.","start":1245.5249,"end":1249.03,"sentiment":"neutral","sentiment_score":0.04368799505755305}],"sentiment":"neutral","sentiment_score":0.13507211168070096,"num_words":37,"start":1238.565,"end":1249.03},{"sentences":[{"text":"It should be like every year.","start":1249.03,"end":1250.39,"sentiment":"neutral","sentiment_score":0.056943560019135475},{"text":"But last year, I don't I forget the lady, but I mean yeah.","start":1250.39,"end":1254.79,"sentiment":"neutral","sentiment_score":-0.0012991621803778869},{"text":"Yeah.","start":1254.79,"end":1255.29,"sentiment":"neutral","sentiment_score":0.11146494001150133},{"text":"I hope next time it should be like this.","start":1255.4299,"end":1257.51,"sentiment":"neutral","sentiment_score":0.1509576365351677},{"text":"I can see everything here.","start":1257.51,"end":1258.87,"sentiment":"neutral","sentiment_score":0.10598787367343902}],"sentiment":"neutral","sentiment_score":0.06837633202838547,"num_words":34,"start":1249.03,"end":1258.87},{"sentences":[{"text":"Not only talking and then that's it.","start":1258.87,"end":1260.895,"sentiment":"neutral","sentiment_score":0.03751059169215815},{"text":"And then you sign it.","start":1260.895,"end":1262.1951,"sentiment":"neutral","sentiment_score":0.04960114359855652},{"text":"Yeah.","start":1262.415,"end":1262.735,"sentiment":"neutral","sentiment_score":0.06984585523605347},{"text":"Yeah.","start":1262.735,"end":1263.235,"sentiment":"neutral","sentiment_score":0.06440716981887817},{"text":"Yeah.","start":1273.74,"end":1274.06,"sentiment":"neutral","sentiment_score":0.032316531985998154}],"sentiment":"neutral","sentiment_score":0.04514329445858797,"num_words":15,"start":1258.87,"end":1274.06},{"sentences":[{"text":"I I I I rather prefer you.","start":1274.06,"end":1275.98,"sentiment":"neutral","sentiment_score":-0.030114296025463512},{"text":"Don't get me wrong with it.","start":1275.98,"end":1277.1,"sentiment":"neutral","sentiment_score":-0.10926849767565727},{"text":"I'll say for that to you.","start":1277.1,"end":1278.48,"sentiment":"neutral","sentiment_score":0.03858672734349966},{"text":"You'll be alright for that.","start":1279.18,"end":1282.86,"sentiment":"neutral","sentiment_score":0.04609291218221188},{"text":"Okay.","start":1283.34,"end":1283.74,"sentiment":"neutral","sentiment_score":0.03799593821167946}],"sentiment":"neutral","sentiment_score":-0.014657207801938056,"num_words":25,"start":1274.06,"end":1283.74},{"sentences":[{"text":"Thank you so much.","start":1283.74,"end":1284.8,"sentiment":"neutral","sentiment_score":0.08305918052792549},{"text":"Yes.","start":1290.825,"end":1290.985,"sentiment":"neutral","sentiment_score":0.2105761170387268},{"text":"Sure.","start":1290.985,"end":1291.485,"sentiment":"positive","sentiment_score":0.40803200006484985},{"text":"Sure.","start":1296.585,"end":1296.825,"sentiment":"neutral","sentiment_score":0.22076717019081116},{"text":"Yes.","start":1296.825,"end":1297.225,"sentiment":"neutral","sentiment_score":0.2360113263130188}],"sentiment":"neutral","sentiment_score":0.17595291696488857,"num_words":8,"start":1283.74,"end":1297.225},{"sentences":[{"text":"Sure.","start":1297.225,"end":1297.3849,"sentiment":"positive","sentiment_score":0.3570030927658081},{"text":"Thank you so much.","start":1297.3849,"end":1298.1849,"sentiment":"positive","sentiment_score":0.8165308386087418},{"text":"Yeah.","start":1298.1849,"end":1298.6849,"sentiment":"positive","sentiment_score":0.5447431206703186},{"text":"Yeah.","start":1302.9789,"end":1303.2189,"sentiment":"neutral","sentiment_score":0.319854199886322},{"text":"You too.","start":1303.2189,"end":1303.6989,"sentiment":"neutral","sentiment_score":0.2840186655521393}],"sentiment":"positive","sentiment_score":0.5617512332068549,"num_words":9,"start":1297.225,"end":1303.6989},{"sentences":[{"text":"Yep.","start":1303.6989,"end":1303.9388,"sentiment":"neutral","sentiment_score":0.227451890707016},{"text":"Thank you.","start":1303.9388,"end":1304.6788,"sentiment":"positive","sentiment_score":0.679706871509552},{"text":"Bye.","start":1307.4589,"end":1307.9589,"sentiment":"neutral","sentiment_score":-0.11782381683588028}],"sentiment":"positive","sentiment_score":0.36726045422255993,"num_words":4,"start":1303.6989,"end":1307.9589}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Alan. It's Tommy here, senior adviser from. How are you going today?\n\nChannel 1: I'm good. Yeah.\n\nChannel 0: Great to hear. Great to hear, mate. I have an updated advice document I was gonna email through to you. Do you still have a bit of time, sir?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So I'm just gonna pop this through to your email now just while I'm getting that through to you. Are you okay for this call to be recorded?\n\nChannel 1: Yes. Yes. Sure.\n\nChannel 0: Perfect. And just for the security of your account, I don't have a security question on file.\n\nChannel 1: 24121971Number10HendonVistaWellard6170Western\n\nChannel 0: Perfect. Thank you, sir. And I'm registered with our pick as\n\nChannel 1: Australia.\n\nChannel 0: Adviser1273105. Now, Alan, I've popped this through to your Yahoo email address. Will\n\nChannel 1: Yep.\n\nChannel 0: you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your\n\nChannel 1: Yesterday.\n\nChannel 0: yeah. So I'm just popping it through now. It might go through to your inbox or your spam box. Will you\n\nChannel 1: Okay.\n\nChannel 0: be able to look at the email with me?\n\nChannel 1: Sign the signed document. Yeah.\n\nChannel 0: Yeah. So there's some attachments there. There is a signature link if you're happy with the plan and the advice that Carl was putting together for you. But I just want you to have a look at the attachments with me if that's okay.\n\nChannel 1: Yes. I'm looking for the first, I'm going to sign it. Wait a minute.\n\nChannel 0: So like a normal email, there'll be, like, PDF attachments at the bottom, and we can have\n\nChannel 1: Yep.\n\nChannel 0: a look at that if it's a bit easier to view.\n\nChannel 1: Okay. So one\n\nChannel 0: Now\n\nChannel 1: for\n\nChannel 0: there\n\nChannel 1: nails.\n\nChannel 0: should be quite a few there. Sorry. You\n\nChannel 1: Yeah.\n\nChannel 0: go ahead.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The statement of advice, it should be listed as today's date and then statement of advice with your name at the end. That should be the attachment name. And when you get that open, Alan, it should have a picture of, like, a beachfront Gold Coast city looking picture at the front, that's how you know you're on the right document.\n\nChannel 1: Yep. So this is how many how many signature is two? Or wait a minute. I signed already two pages from Nails.\n\nChannel 0: Oh, yes. So that Nios reduction quote, that's for the cancellation of your income protection to reduce the premiums. Does that ring a\n\nChannel 1: Yes. That's what I see it. Yeah. After yep.\n\nChannel 0: bell? Yep. So\n\nChannel 1: I'm\n\nChannel 0: that's\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: looking for the overview. Where is it?\n\nChannel 0: yeah. So if you you're in the signature\n\nChannel 1: What\n\nChannel 0: section\n\nChannel 1: pages\n\nChannel 0: now,\n\nChannel 1: is\n\nChannel 0: you\n\nChannel 1: that?\n\nChannel 0: just have\n\nChannel 1: What\n\nChannel 0: to\n\nChannel 1: pages\n\nChannel 0: scroll\n\nChannel 1: to sign it in?\n\nChannel 0: down. Let me have\n\nChannel 1: Just\n\nChannel 0: a look\n\nChannel 1: I've I've just\n\nChannel 0: see.\n\nChannel 1: only opened my my on my cell phone, you know, just so it's\n\nChannel 0: Oh, yeah. Gotcha. Gotcha. Alright.\n\nChannel 1: yeah.\n\nChannel 0: Just\n\nChannel 1: So\n\nChannel 0: give\n\nChannel 1: just I\n\nChannel 0: me a quick\n\nChannel 1: I\n\nChannel 0: second.\n\nChannel 1: quite the top to look for it.\n\nChannel 0: So\n\nChannel 1: You can\n\nChannel 0: it's\n\nChannel 1: see\n\nChannel 0: at\n\nChannel 1: me\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: very top.\n\nChannel 1: oh, very top. Yep.\n\nChannel 0: Yep. Very top should say, open new statement of advice.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yep. And just before I quickly go through this with you, I just wanted to let you know that, obviously, there's a lot going on with your super at the moment going up and down quite a bit. So I wanted to just quickly walk you through what's going on with your account, and then we'll go through the advice. Is that okay?\n\nChannel 1: Okay. Yes. Yes.\n\nChannel 0: Yep. So one of the things that happened was on your Netwealth account, there was some investments which weren't performing very good, your Benelong investment, and you probably see the super going down a little bit recently.\n\nChannel 1: Yes. Looks like yeah. So it's very yeah. I see it. I opened the network.\n\nMy account is not very good. It looks like I'm saving and then everything we go I'm not blaming you, whatever. You just all the interest, I just pay for everything. You just I said, oh, this looks like I'm just saving for super, not making any money.\n\nChannel 0: Yeah. But one of the things that happened was we flagged that investment on your account ranked Christmas time, and we actually switched that out pretty recently. So that one that was going down when it dropped, like, 15%, we've already actually replaced it, and it started to go back up.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay? Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Now that switch kind of fixed the investment that wasn't doing good. So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high. That's what you talked to Carl about.\n\nChannel 1: Yeah. Your account, just one is the best. Yeah?\n\nChannel 0: Yeah. So what we're thinking is because it's going up and down so much, we wanna just reduce your risk level from, like, a five risk to a four.\n\nChannel 1: Yep.\n\nChannel 0: And one of the things that happened was when Carl put together the investment, if you scroll all the way through the document, you'll see a table on I'll give you the page. Bear with me a moment. About halfway through the document on page seventeen eighteen.\n\nChannel 1: Seven, ten,\n\nChannel 0: And,\n\nChannel 1: 18.\n\nChannel 0: yeah, if you could go down to seventeen, eighteen, there's a blue table. And it's the page just after the colorful pie chart. It's the one after\n\nChannel 1: Seven\n\nChannel 0: that.\n\nChannel 1: 18. Yep.\n\nChannel 0: Yeah. Yeah. And you should see\n\nChannel 1: 17.\n\nChannel 0: a table, and at the top, it should say fee comparison. Can you see that there?\n\nChannel 1: Yep. 17\n\nChannel 0: Yep.\n\nChannel 1: 18. Yep.\n\nChannel 0: So the reason why I told you about the account before it has a performance figure. Can you see the 11% at the bottom?\n\nChannel 1: Number what number is it?\n\nChannel 0: So at the bottom of the table, it's got a it says at the bottom row, it says five year rolling average, and it says, like, 11.63%, 11.22%.\n\nChannel 1: Okay. Yeah. It's so wait a minute.\n\nChannel 0: Can\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: see that\n\nChannel 1: 11\n\nChannel 0: there?\n\nChannel 1: point 22%, and the high\n\nChannel 0: Yes.\n\nChannel 1: growth\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: the\n\nChannel 1: 11\n\nChannel 0: one.\n\nChannel 1: point 63. But the difference\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: So\n\nChannel 1: zero negative. So I lost because it's negative. Yeah. Correct?\n\nChannel 0: a little bit. So your investments that you had, they were only doing 7%.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So that's why I said at the start, we've already switched the bad investment out to get it back up to 11.63.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And then what we wanna do is we wanna reduce your risk level down. So it's basically the same performance, but it's got 10 less shares and property, so 10% less risk.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So same performance, less risk, and this also has in there about $34,000 savings from the income protection being canceled.\n\nChannel 1: Yep. That's that's yeah. That's good.\n\nChannel 0: Yeah.\n\nChannel 1: And then yeah. Yeah.\n\nChannel 0: Perfect. If you go one more page down, you'll see the projection numbers for five years and ten years.\n\nChannel 1: What what what number is it?\n\nChannel 0: So page, like, 19 18,\n\nChannel 1: Nine.\n\nChannel 0: 19, and\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yes.\n\nChannel 0: should say projected balance, five years, ten years.\n\nChannel 1: Projected balance. This is comparison number 18. Yeah. Number 19. Yep.\n\nOh, yeah. Projected yeah. Projected balance. Yep.\n\nChannel 0: And get 500,000 in the super.\n\nChannel 1: Yes.\n\nChannel 0: And from the fix up of the investment, even going down in risk level and canceling the income protection, you're looking at over 600,000 in ten years, whether you stay in high risk or you move down to lower risk.\n\nChannel 1: Yep. Okay. Yep. And and and current is $4,431,000. It belongs up in ten years.\n\nShould be another 65. It's $6.40. Yeah. Correct? And then recommended.\n\nYes.\n\nChannel 0: Correct.\n\nChannel 1: Okay. Yeah. Yeah. Yeah. Okay.\n\nSo the different is 10,000 and then 23,000. Okay. Yep. Yes. Makes sense.\n\nYeah. Makes sense.\n\nChannel 0: Yeah. Yeah. Now when we did the projection before based on what you were invested in a couple of months ago, it was only hitting about 500,000. So\n\nChannel 1: Yes.\n\nChannel 0: this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance. But both ways, you're still kind of on track. I still think probably a good idea to reduce your risk level and save on those premiums.\n\nChannel 1: Yes. Yeah. Yeah. I think that one because I lost so much money. It's already I think I lost\n\nChannel 0: Yeah.\n\nChannel 1: already a 100,000. Sure.\n\nChannel 0: There's about\n\nChannel 1: From\n\nChannel 0: a\n\nChannel 1: COVID\n\nChannel 0: 100,000,\n\nChannel 1: from\n\nChannel 0: but I know it had a bit\n\nChannel 1: yeah.\n\nChannel 0: of a oh, the COVID as well. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I'm with you. I'm with you.\n\nChannel 1: And then with the from when the due for the what do you call this? The tariff Australia, you know?\n\nChannel 0: Yep. Yep.\n\nChannel 1: I think every everyone in this one is everyone lose money and you if you are in a high risk for that. Everyone. Yeah. Correct?\n\nChannel 0: Yeah. There's\n\nChannel 1: Okay.\n\nChannel 0: if you have a lot of time, if you have thirty years, it goes back up, and it goes up, down, up, down, but it grows really well over ten, twenty, thirty years. And it's still up forty six percent. You you had to go up, and then COVID went down, went up, and then the tariffs went down, and it just started going back up again. So this should put it back on track.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah. Okay.\n\nChannel 0: any questions on those strategies, mate?\n\nChannel 1: Yeah. So good. Yeah. Yes. That's yeah.\n\nYou make it very short. I now I understand. So now on the medium rest and the same I recorded the same\n\nChannel 0: Performance.\n\nChannel 1: the same interest. Yep. I recall\n\nChannel 0: Yes.\n\nChannel 1: it.\n\nChannel 0: Yep. Sim similar interest, similar return.\n\nChannel 1: Yep. Yeah. So now I'm just paying for income protection. Correct?\n\nChannel 0: So you're just paying for life insurance and disability once we cancel the income protection. That quote says it goes from 10,000 a year to 6,000, so about 4,000 off.\n\nChannel 1: Yep. That's good. Yeah.\n\nChannel 0: K. We still have to keep an eye on that life and disability insurance because if it goes up again, we may need to trim that down as well, but this should give you a pretty good savings.\n\nChannel 1: Yep. Because\n\nChannel 0: Yep.\n\nChannel 1: I don't\n\nChannel 0: And\n\nChannel 1: need\n\nChannel 0: just\n\nChannel 1: it. Just\n\nChannel 0: remember\n\nChannel 1: before I wore it because of the because of the I'm filling my house now. I don't really worried. So this this that's one thing I am I'm I'm worried.\n\nChannel 0: Yeah. Yep. And I'm having a look at it too. I'm gonna make sure the price doesn't go up too high. Just bear in mind that, obviously, not being in high risk means you but it's looking pretty similar.\n\nThe fees are lower as well.\n\nChannel 1: Yeah. I think I have to retire 65 because of this money losing.\n\nChannel 0: Well, hopefully, we can get there a bit quicker because I think your goal at 500,000, if the market goes really, really good, might be able to do it earlier than 65. So we just gotta see what happens with the stock market.\n\nChannel 1: Yes. Yes. Yes. Yes. Yeah.\n\nNo. No one can control everything for that. Even yeah. That's one thing I have to put on my mind. Even I pay for this kind of financial adviser, so you cannot control everything.\n\nChannel 0: Yeah. That's right. But one of the things that will be hopefully good for you is, normally, the the market the cycle's every five to seven years. So it goes up, up, up, up, up, and then COVID, it goes down. And then it goes up, up, up, up, up, and then tariffs, it goes down.\n\nHopefully,\n\nChannel 1: Yep.\n\nChannel 0: if we can get another five years of it going up, we may be able to chop it and say, oh, 500,000. Let's just protect it and put it into something safe, and then you don't\n\nChannel 1: Yes.\n\nChannel 0: have to wait as long.\n\nChannel 1: Yep. Yeah. Yeah. It probably expires the thousand, I think, should be okay.\n\nChannel 0: Yeah. That'll get you that sort of thousand dollars a week mortgage paid off. If you're happy with that, that should be what we're aiming for.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Now your review with Kyle was pretty recent, so I don't think there's been any really any changes to work or anything like that.\n\nChannel 1: It's nothing. Yeah. I've I have already four weeks no work, but I'm coming I'm have a work on this this month. So\n\nChannel 0: Yep.\n\nChannel 1: yes.\n\nChannel 0: Gotcha.\n\nChannel 1: Because\n\nChannel 0: Gotcha.\n\nChannel 1: I'm\n\nChannel 0: Gotcha.\n\nChannel 1: casual, you know, so yeah. That's it.\n\nChannel 0: Yeah. Goes up and down.\n\nChannel 1: Yeah. Yeah. Okay. So I I'm checking everything is already signed. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: I'll\n\nChannel 1: Wait\n\nChannel 0: have\n\nChannel 1: a minute.\n\nChannel 0: a look and see if that's come through. I just wanna let you know one more thing. With the the estate planning, I'll put in a recommendation for your super and your life insurance to go to your will and that you're gonna put in place a will for where your your house and your super and your life insurance go.\n\nChannel 1: Yep.\n\nChannel 0: K? Now do you remember with the will, you can go to a lawyer, you can go\n\nChannel 1: Yes.\n\nChannel 0: to, like, the courthouse, and you can\n\nChannel 1: Yep.\n\nChannel 0: also get a a will kit from Australia Post for $25 if you want.\n\nChannel 1: Okay. Which what's the best? You go to Justice of the Fees or no. You have to go to the lawyer,\n\nChannel 0: Similar.\n\nChannel 1: the right. That's too\n\nChannel 0: No. So the lawyer can be expensive, but if you go to, like, the courthouse, the public trustee, real estate,\n\nChannel 1: expensive.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: also do wills as well. Kinda like justice of the peace. Similar.\n\nChannel 1: Okay. I think I know now. This this one yeah. I got you. I got you.\n\nSo\n\nChannel 0: And you're\n\nChannel 1: yeah.\n\nChannel 0: in Western Australia. Right?\n\nChannel 1: Yes.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: Let\n\nChannel 1: think\n\nChannel 0: me just\n\nChannel 1: in\n\nChannel 0: quickly\n\nChannel 1: part.\n\nChannel 0: check. Yeah. So we've got when I go on Google and I type in West Australia public trustee, it comes up in Perth in 553 Hay Street in Perth, and\n\nChannel 1: Yep.\n\nChannel 0: they\n\nChannel 1: I\n\nChannel 0: also\n\nChannel 1: see it.\n\nChannel 0: do appointments for wheels and power of attorney.\n\nChannel 1: Yeah. Yeah. Just yeah. Yeah. Alright.\n\nSo I will do my will wherever I want. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Wherever\n\nChannel 1: have to\n\nChannel 0: you want. I just wanna let you know that if we put in, we're gonna send you the beneficiary form for your super and your insurance to go into the will, and you're just gonna make sure that you do put in place to get up if you don't have a will.\n\nChannel 1: Okay. Yes, sir. Because so once I I make the wheel, I will send it to you. Yep.\n\nChannel 0: You don't have to send us the will. You're just gonna let us know that you've done it. That's all.\n\nChannel 1: Okay. That's okay. Fair enough. Yeah. Yeah.\n\nChannel 0: Yep. Now just quickly, Alan, with the way you want the super and the life insurance to go in the will, have you already chosen who you want to get it?\n\nChannel 1: Everything's for my kids, you know, because wife is have already have their own superannuation, you know. My wife is working too, so the kid is think I look after the kids.\n\nChannel 0: Yeah. Awesome. And all the kids are 18 or 18?\n\nChannel 1: Under\n\nChannel 0: Under eighteen. Okay. Cool. So that would be good. When, excuse me, when you talk to the solicitor or the courthouse\n\nChannel 1: eighteen.\n\nChannel 0: can\n\nChannel 1: Yes.\n\nChannel 0: do you have a pen and paper handy, sir?\n\nChannel 1: So what what what papers what document I need to bring? A certificate or birth certificate or whatever? No need?\n\nChannel 0: Really just your identification.\n\nChannel 1: Okay. That's it. Yeah. Yeah. And the name of the\n\nChannel 0: There's something, yeah,\n\nChannel 1: okay.\n\nChannel 0: in the name of the people and where they live. And\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: the type of will that you you might be looking for is called a testamentary trust will.\n\nChannel 1: Okay. Can you\n\nChannel 0: So\n\nChannel 1: can you send it to my email, that one? The one you said?\n\nChannel 0: Yes. Yes. I'll send you a quick email just because the what it does, if you put in place a a will, it a testamentary trust will, it creates a trust fund for the kids when you when you die, And then you\n\nChannel 1: Yep.\n\nChannel 0: can say how much money they get, whether they get a little bit now.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yes.\n\nYes. Yeah. Yeah. Alright. That's fair enough.\n\nThank\n\nChannel 0: Yep.\n\nChannel 1: you so\n\nChannel 0: I\n\nChannel 1: much\n\nChannel 0: will\n\nChannel 1: for\n\nChannel 0: send\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: four\n\nChannel 0: an email.\n\nChannel 1: eight. Yeah. Yep.\n\nChannel 0: No. That's totally okay. Do you have any questions for me?\n\nChannel 1: Yes. So far, it's yeah. Just you can do anything for that because the market is is not your control. You just give me advice. And then I think that's fair enough for me.\n\nChannel 0: Awesome. So get the risk down a little bit, try and get the the interest up, save\n\nChannel 1: Yep.\n\nChannel 0: on the fees for the insurances, and get the the will sorted.\n\nChannel 1: Yeah. Yeah. I think it's fair enough for me to get out to get off the income protection. It should be expensive, you know? Yes.\n\nVery expensive.\n\nChannel 0: Yeah. Yeah. It's 4,000. When it gets canceled, because you've signed and we cancel it, they'll give you a two month refund because the next premium is not due until June.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: they'll give you\n\nChannel 1: Yeah.\n\nChannel 0: another, I think, $600 back.\n\nChannel 1: Yes. Yeah. Imagine if for last ten years, I pay 4,000. It's gonna be 40,000. Awesome.\n\nOkay.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: a\n\nChannel 1: much\n\nChannel 0: lot.\n\nChannel 1: for that.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: lot.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No worries. Anything else I can do for you, sir, before I let you go?\n\nChannel 1: All good. Yes. I signed already, and then I hope you check it if everything is good. I I just only mistake.\n\nChannel 0: Yeah.\n\nChannel 1: I put\n\nChannel 0: It's\n\nChannel 1: thirty\n\nChannel 0: come through\n\nChannel 1: days.\n\nChannel 0: sign.\n\nChannel 1: Yeah. Yeah. What should be alright? Yeah? It's like\n\nChannel 0: Let me\n\nChannel 1: thirty\n\nChannel 0: have a\n\nChannel 1: and\n\nChannel 0: look.\n\nChannel 1: four and '26. Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Let me have a look. I'll go down to the SLA. One sec. Here we go.\n\nThere it is.\n\nChannel 1: Yeah. It's quite\n\nChannel 0: Yep. That's fine. Yeah. That's that's acceptable for us. That's perfect.\n\nAnd then for the insurance, that looks good, and that's it. It was only the two.\n\nChannel 1: Yeah. Thank you so much. Yeah. Yeah. All good.\n\nYeah. So it's good. This is the way I like. The last year, the lady I don't don't get me wrong. It's it's so quick.\n\nAnd then they do give me like this. So I said, I said, how come yeah. It should be like every year. But last year, I don't I forget the lady, but\n\nChannel 0: Too\n\nChannel 1: I\n\nChannel 0: quick.\n\nChannel 1: mean yeah. Yeah. I hope next time it should be like this. I can see everything here. Not only talking and then that's it.\n\nAnd then you sign it. Yeah. Yeah.\n\nChannel 0: Yeah. No. That's fine, mate. And next one will probably be with me or my colleague. We'll make sure we take time to explain it and you can see it.\n\nChannel 1: Yeah. I I I I rather\n\nChannel 0: That's\n\nChannel 1: prefer\n\nChannel 0: totally\n\nChannel 1: you. Don't\n\nChannel 0: fine.\n\nChannel 1: get me wrong with it. I'll say for that to you. You'll be alright for\n\nChannel 0: No worries.\n\nChannel 1: that. Okay.\n\nChannel 0: No\n\nChannel 1: Thank you\n\nChannel 0: worries.\n\nChannel 1: so much.\n\nChannel 0: So do you mind if I send you a text message? And if you're happy, you can maybe leave a Google review?\n\nChannel 1: Yes. Sure.\n\nChannel 0: Perfect. Awesome. If you have any questions, please call back.\n\nChannel 1: Sure. Yes. Sure. Thank you so much. Yeah.\n\nChannel 0: Awesome, Alan. Have a great day, and I'll talk to you soon then.\n\nChannel 1: Yeah. You too. Yep. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.07587040960788727}],"sentiment":"neutral","sentiment_score":0.07587040960788727,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon, Alan.","start":2.6399999,"end":3.84,"sentiment":"positive","sentiment_score":0.4700304865837097},{"text":"It's Tommy here, senior adviser from.","start":3.84,"end":5.92,"sentiment":"neutral","sentiment_score":0.32953179876009625},{"text":"How are you going today?","start":5.92,"end":6.98,"sentiment":"positive","sentiment_score":0.40080428719520567}],"sentiment":"positive","sentiment_score":0.3850931205919811,"channel":0,"num_words":14,"start":2.6399999,"end":6.98},{"sentences":[{"text":"I'm good.","start":7.44,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5770074725151062},{"text":"Yeah.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.5357122421264648}],"sentiment":"positive","sentiment_score":0.5632423957188925,"channel":1,"num_words":3,"start":7.44,"end":8.42},{"sentences":[{"text":"Great to hear.","start":9.5199995,"end":10.16,"sentiment":"positive","sentiment_score":0.771019458770752},{"text":"Great to hear, mate.","start":10.16,"end":11.12,"sentiment":"positive","sentiment_score":0.723669707775116},{"text":"I have an updated advice document I was gonna email through to you.","start":11.12,"end":14.8949995,"sentiment":"neutral","sentiment_score":0.3311403817855395},{"text":"Do you still have a bit of time, sir?","start":14.8949995,"end":16.595,"sentiment":"neutral","sentiment_score":0.10594178073936039}],"sentiment":"positive","sentiment_score":0.36089786887168884,"channel":0,"num_words":29,"start":9.5199995,"end":16.595},{"sentences":[{"text":"Okay.","start":17.425,"end":17.925,"sentiment":"neutral","sentiment_score":0.17659235000610352}],"sentiment":"neutral","sentiment_score":0.17659235000610352,"channel":1,"num_words":1,"start":17.425,"end":17.925},{"sentences":[{"text":"Perfect.","start":19.455,"end":19.955,"sentiment":"positive","sentiment_score":0.4086746871471405},{"text":"So I'm just gonna pop this through to your email now just while I'm getting that through to you.","start":20.255,"end":26.255001,"sentiment":"neutral","sentiment_score":0.2541515717380925},{"text":"Are you okay for this call to be recorded?","start":26.255001,"end":28.195,"sentiment":"neutral","sentiment_score":0.07393640528122584}],"sentiment":"neutral","sentiment_score":0.20355111026558384,"channel":0,"num_words":29,"start":19.455,"end":28.195},{"sentences":[{"text":"Yes.","start":28.785,"end":28.865,"sentiment":"neutral","sentiment_score":0.09485436230897903},{"text":"Yes.","start":28.865,"end":29.105,"sentiment":"neutral","sentiment_score":0.10406030714511871},{"text":"Sure.","start":29.105,"end":29.605,"sentiment":"neutral","sentiment_score":0.20389431715011597}],"sentiment":"neutral","sentiment_score":0.13426966220140457,"channel":1,"num_words":3,"start":28.785,"end":29.605},{"sentences":[{"text":"Perfect.","start":30.33,"end":30.83,"sentiment":"positive","sentiment_score":0.41047850251197815},{"text":"And just for the security of your account, I don't have a security question on file.","start":31.21,"end":35.95,"sentiment":"neutral","sentiment_score":0.1249635647982359}],"sentiment":"neutral","sentiment_score":0.14175856113433838,"channel":0,"num_words":17,"start":30.33,"end":35.95},{"sentences":[{"text":"24121971Number10HendonVistaWellard6170Western","start":39.91,"end":46.275,"sentiment":"neutral","sentiment_score":0.04861028119921684}],"sentiment":"neutral","sentiment_score":0.04861028119921684,"channel":1,"num_words":1,"start":39.91,"end":46.275},{"sentences":[{"text":"Perfect.","start":46.895,"end":47.395,"sentiment":"positive","sentiment_score":0.37635743618011475},{"text":"Thank you, sir.","start":47.935,"end":48.895,"sentiment":"positive","sentiment_score":0.5562864542007446},{"text":"And I'm registered with our pick as","start":48.895,"end":50.495003,"sentiment":"neutral","sentiment_score":0.14863087662628718}],"sentiment":"neutral","sentiment_score":0.28051208501512354,"channel":0,"num_words":11,"start":46.895,"end":50.495003},{"sentences":[{"text":"Australia.","start":50.335003,"end":50.835003,"sentiment":"neutral","sentiment_score":0.17337849736213684}],"sentiment":"neutral","sentiment_score":0.17337849736213684,"channel":1,"num_words":1,"start":50.335003,"end":50.835003},{"sentences":[{"text":"Adviser1273105.","start":50.495003,"end":53.555,"sentiment":"neutral","sentiment_score":0.07733144611120224},{"text":"Now, Alan, I've popped this through to your Yahoo email address.","start":54.175003,"end":57.81,"sentiment":"neutral","sentiment_score":0.09230318326841701},{"text":"Will","start":58.29,"end":58.530003,"sentiment":"neutral","sentiment_score":0.11601170897483826}],"sentiment":"neutral","sentiment_score":0.09297524392604828,"channel":0,"num_words":13,"start":50.495003,"end":58.530003},{"sentences":[{"text":"Yep.","start":58.415,"end":58.915,"sentiment":"neutral","sentiment_score":0.14719736576080322}],"sentiment":"neutral","sentiment_score":0.14719736576080322,"channel":1,"num_words":1,"start":58.415,"end":58.915},{"sentences":[{"text":"you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your","start":58.530003,"end":64.21,"sentiment":"neutral","sentiment_score":0.1260620099492371}],"sentiment":"neutral","sentiment_score":0.1260620099492371,"channel":0,"num_words":32,"start":58.530003,"end":64.21},{"sentences":[{"text":"Yesterday.","start":65.9,"end":66.4,"sentiment":"neutral","sentiment_score":0.08396901190280914}],"sentiment":"neutral","sentiment_score":0.08396901190280914,"channel":1,"num_words":1,"start":65.9,"end":66.4},{"sentences":[{"text":"yeah.","start":69.33,"end":69.65,"sentiment":"neutral","sentiment_score":0.03966612368822098},{"text":"So I'm just popping it through now.","start":69.65,"end":71.91,"sentiment":"neutral","sentiment_score":0.018308785344873155},{"text":"It might go through to your inbox or your spam box.","start":73.025,"end":75.905,"sentiment":"neutral","sentiment_score":-0.05531181970780546},{"text":"Will you","start":75.905,"end":76.305,"sentiment":"neutral","sentiment_score":0.030261535197496414}],"sentiment":"neutral","sentiment_score":-0.018099015489930197,"channel":0,"num_words":21,"start":69.33,"end":76.305},{"sentences":[{"text":"Okay.","start":76.185005,"end":76.685005,"sentiment":"neutral","sentiment_score":0.04357125982642174}],"sentiment":"neutral","sentiment_score":0.04357125982642174,"channel":1,"num_words":1,"start":76.185005,"end":76.685005},{"sentences":[{"text":"be able to look at the email with me?","start":76.305,"end":78.005,"sentiment":"neutral","sentiment_score":0.051801258905066386}],"sentiment":"neutral","sentiment_score":0.051801258905066386,"channel":0,"num_words":9,"start":76.305,"end":78.005},{"sentences":[{"text":"Sign the signed 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They explain that the customer's account is performing well due to a change in investment, but high risk due to high growth and high risk is also affecting their account. The adviser recommends reducing risk levels and saving on premiums, and emphasizes the importance of reducing risk levels and saving on premiums. The agent provides advice on managing risk levels and savings on premiums, and advises the customer to keep an eye on the market. The customer is instructed to sign a testamentary trust will and receive advice on handling insurance and wills."},"intents":{"segments":[{"text":"So I'm just gonna pop this through to your email now just while I'm getting that through to you. Are you okay for this call to be recorded? Yes. Yes. Sure.","start_word":49,"end_word":79,"intents":[{"intent":"Provide details","confidence_score":0.00054689666}]},{"text":"And just for the security of your account, I don't have a security question on file.","start_word":81,"end_word":96,"intents":[{"intent":"Ask about security question","confidence_score":0.067649074}]},{"text":"Thank you, sir.","start_word":99,"end_word":101,"intents":[{"intent":"Express gratitude","confidence_score":0.0047791586}]},{"text":"And I'm registered with our pick as Australia. Adviser1273105.","start_word":102,"end_word":110,"intents":[{"intent":"Confirm identity","confidence_score":0.1358438}]},{"text":"Now, Alan, I've popped this through to your Yahoo email address. Will Yep.","start_word":111,"end_word":123,"intents":[{"intent":"Provide email address","confidence_score":0.033158433}]},{"text":"you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your Yesterday.","start_word":124,"end_word":156,"intents":[{"intent":"Check email","confidence_score":0.06699672}]},{"text":"you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your Yesterday. yeah.","start_word":124,"end_word":157,"intents":[{"intent":"Ask about interpreting document","confidence_score":0.00001034249}]},{"text":"So there's some attachments there. There is a signature link if you're happy with the plan and the advice that Carl was putting together for you. But I just want you to have a look at the attachments with me if that's okay. Yes.","start_word":194,"end_word":237,"intents":[{"intent":"Ask about attachments","confidence_score":0.03152321}]},{"text":"Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk. Yes. Yes. Now that switch kind of fixed the investment that wasn't doing good. So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high.","start_word":748,"end_word":816,"intents":[{"intent":"Reduce risk level","confidence_score":0.047413327}]},{"text":"So the reason why I told you about the account before it has a performance figure. Can you see the 11% at the bottom? Number what number is it?","start_word":974,"end_word":1002,"intents":[{"intent":"Analyze account performance","confidence_score":0.08608981}]},{"text":"this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance. But both ways, you're still kind of on track. I still think probably a good idea to reduce your risk level and save on those premiums. Yes. Yeah.","start_word":1367,"end_word":1415,"intents":[{"intent":"Compare premiums","confidence_score":0.00031340905}]},{"text":"So now I'm just paying for income protection. Correct? So you're just paying for life insurance and disability once we cancel the income protection. That quote says it goes from 10,000 a year to 6,000, so about 4,000 off. 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How are you going today? I'm good. Yeah. Great to hear. Great to hear, mate.","start_word":1,"end_word":24,"sentiment":"positive","sentiment_score":0.5155665874481201},{"text":"I have an updated advice document I was gonna email through to you. Do you still have a bit of time, sir? Okay.","start_word":25,"end_word":47,"sentiment":"neutral","sentiment_score":0.23533904552459717},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4086746871471405},{"text":"So I'm just gonna pop this through to your email now just while I'm getting that through to you. Are you okay for this call to be recorded? Yes. Yes. Sure.","start_word":49,"end_word":79,"sentiment":"neutral","sentiment_score":0.19143575429916385},{"text":"Perfect.","start_word":80,"end_word":80,"sentiment":"positive","sentiment_score":0.41047850251197815},{"text":"And just for the security of your account, I don't have a security question on file. 24121971Number10HendonVistaWellard6170Western Perfect.","start_word":81,"end_word":98,"sentiment":"neutral","sentiment_score":0.10071684420108797},{"text":"Thank you, sir.","start_word":99,"end_word":101,"sentiment":"positive","sentiment_score":0.5454424023628235},{"text":"And I'm registered with our pick as Australia. Adviser1273105. Now, Alan, I've popped this through to your Yahoo email address. Will Yep. you be able to look onto this email with me today, or do you want me to just kind of walk you through what's there and let you read it to your Yesterday. yeah. So I'm just popping it through now. It might go through to your inbox or your spam box. Will you Okay. be able to look at the email with me? Sign the signed document. Yeah. Yeah. So there's some attachments there. There is a signature link if you're happy with the plan and the advice that Carl was putting together for you. But I just want you to have a look at the attachments with me if that's okay. Yes. I'm looking for the first, I'm going to sign it. Wait a minute. So like a normal email, there'll be, like, PDF attachments at the bottom, and we can have Yep. a look at that if it's a bit easier to view. Okay. So one Now for there nails. should be quite a few there. Sorry. You Yeah. go ahead. Mhmm. Yep. The statement of advice, it should be listed as today's date and then statement of advice with your name at the end. That should be the attachment name. And when you get that open, Alan, it should have a picture of, like, a beachfront Gold Coast city looking picture at the front, that's how you know you're on the right document. Yep. So this is how many how many signature is two? Or wait a minute. I signed already two pages from Nails. Oh, yes. So that Nios reduction quote, that's for the cancellation of your income protection to reduce the premiums. Does that ring a Yes. That's what I see it. Yeah. After yep. bell? Yep. So I'm that's I'm the looking for the overview. Where is it? yeah. So if you you're in the signature What section pages now, is you that? just have What to pages scroll to sign it in? down. Let me have Just a look I've I've just see. only opened my my on my cell phone, you know, just so it's Oh, yeah. Gotcha. Gotcha. Alright. yeah. Just So give just I me a quick I second. quite the top to look for it. So You can it's see at me the the very top. oh, very top. Yep. Yep. Very top should say, open new statement of advice. Okay. Yes. Yep. And just before I quickly go through this with you, I just wanted to let you know that, obviously, there's a lot going on with your super at the moment going up and down quite a bit. So I wanted to just quickly walk you through what's going on with your account, and then we'll go through the advice. Is that okay? Okay. Yes. Yes. Yep. So one of the things that happened was on your Netwealth account, there was some investments which weren't performing very good, your Benelong investment, and you probably see the super going down a little bit recently. Yes. Looks like yeah. So it's very yeah. I see it. I opened the network.","start_word":102,"end_word":645,"sentiment":"neutral","sentiment_score":0.024760449503767577},{"text":"My account is not very good.","start_word":646,"end_word":651,"sentiment":"negative","sentiment_score":-0.5104788541793823},{"text":"It looks like I'm saving and then everything we go I'm not blaming you, whatever. You just all the interest, I just pay for everything. You just I said, oh, this looks like I'm just saving for super, not making any money. Yeah. But one of the things that happened was we flagged that investment on your account ranked Christmas time, and we actually switched that out pretty recently. So that one that was going down when it dropped, like, 15%, we've already actually replaced it, and it started to go back up. Yeah. Yep. Okay? Now what I wanted to say that for to start with is because your your investment, you're in a high growth, high risk. Yes. Yes. Now that switch kind of fixed the investment that wasn't doing good. So performance is going better again, but the advice document that you're looking at for the overview advice, this is to reduce your risk level down from high risk to medium high. That's what you talked to Carl about. Yeah.","start_word":652,"end_word":824,"sentiment":"neutral","sentiment_score":-0.08792965859174728},{"text":"Your account, just one is the best.","start_word":825,"end_word":831,"sentiment":"positive","sentiment_score":0.3599514365196228},{"text":"Yeah? Yeah. So what we're thinking is because it's going up and down so much, we wanna just reduce your risk level from, like, a five risk to a four. Yep. And one of the things that happened was when Carl put together the investment, if you scroll all the way through the document, you'll see a table on I'll give you the page. Bear with me a moment. About halfway through the document on page seventeen eighteen. Seven, ten, And, 18. yeah, if you could go down to seventeen, eighteen, there's a blue table. And it's the page just after the colorful pie chart. It's the one after Seven that. 18. Yep. Yeah. Yeah. And you should see 17. a table, and at the top, it should say fee comparison. Can you see that there? Yep. 17 Yep. 18. Yep. So the reason why I told you about the account before it has a performance figure. Can you see the 11% at the bottom? Number what number is it? So at the bottom of the table, it's got a it says at the bottom row, it says five year rolling average, and it says, like, 11.63%, 11.22%. Okay. Yeah. It's so wait a minute. Can Yeah. you Yeah. see that 11 there? point 22%, and the high Yes. growth That's is the 11 one. point 63. But the difference Yeah. is So zero negative. So I lost because it's negative. Yeah. Correct? a little bit. So your investments that you had, they were only doing 7%. Okay. Yep. So that's why I said at the start, we've already switched the bad investment out to get it back up to 11.63. Oh, yeah. And then what we wanna do is we wanna reduce your risk level down. So it's basically the same performance, but it's got 10 less shares and property, so 10% less risk. Yep. Yep. So same performance, less risk, and this also has in there about $34,000 savings from the income protection being canceled. Yep.","start_word":832,"end_word":1169,"sentiment":"neutral","sentiment_score":0.04863208146578461},{"text":"That's that's yeah. That's good.","start_word":1170,"end_word":1174,"sentiment":"positive","sentiment_score":0.4609546959400177},{"text":"Yeah. And then yeah. Yeah.","start_word":1175,"end_word":1179,"sentiment":"neutral","sentiment_score":0.22700157761573792},{"text":"Perfect.","start_word":1180,"end_word":1180,"sentiment":"positive","sentiment_score":0.3857558369636536},{"text":"If you go one more page down, you'll see the projection numbers for five years and ten years. What what what number is it? So page, like, 19 18, Nine. 19, and Yeah. it Yes. should say projected balance, five years, ten years. Projected balance. This is comparison number 18. Yeah. Number 19. Yep. Oh, yeah. Projected yeah. Projected balance. Yep. And get 500,000 in the super. Yes. And from the fix up of the investment, even going down in risk level and canceling the income protection, you're looking at over 600,000 in ten years, whether you stay in high risk or you move down to lower risk. Yep. Okay. Yep. And and and current is $4,431,000. It belongs up in ten years. Should be another 65. It's $6.40. Yeah. Correct? And then recommended. Yes. Correct. Okay. Yeah. Yeah. Yeah. Okay. So the different is 10,000 and then 23,000. Okay. Yep. Yes. Makes sense. Yeah. Makes sense. Yeah. Yeah. Now when we did the projection before based on what you were invested in a couple of months ago, it was only hitting about 500,000. So Yes. this is just showing what you've got in high risk versus going low risk and removing the premiums for the insurance. But both ways, you're still kind of on track. I still think probably a good idea to reduce your risk level and save on those premiums. Yes. Yeah. Yeah. I think that one because I lost so much money. It's already I think I lost Yeah. already a 100,000. Sure. There's about From a COVID 100,000, from but I know it had a bit yeah. of a oh, the COVID as well. Yeah. Yeah. Yeah. Yeah. I'm with you. I'm with you. And then with the from when the due for the what do you call this? The tariff Australia, you know? Yep. Yep. I think every everyone in this one is everyone lose money and you if you are in a high risk for that. Everyone. Yeah. Correct? Yeah. There's Okay. if you have a lot of time, if you have thirty years, it goes back up, and it goes up, down, up, down, but it grows really well over ten, twenty, thirty years. And it's still up forty six percent. You you had to go up, and then COVID went down, went up, and then the tariffs went down, and it just started going back up again. So this should put it back on track. Okay. Yep. Okay. Yes. Yeah. Now Yeah. Okay. any questions on those strategies, mate? Yeah. So good. Yeah. Yes. That's yeah. You make it very short. I now I understand. So now on the medium rest and the same I recorded the same Performance. the same interest. Yep. I recall Yes. it. Yep. Sim similar interest, similar return. Yep. Yeah. So now I'm just paying for income protection. Correct? So you're just paying for life insurance and disability once we cancel the income protection. That quote says it goes from 10,000 a year to 6,000, so about 4,000 off.","start_word":1181,"end_word":1693,"sentiment":"neutral","sentiment_score":0.042477539615237224},{"text":"Yep. That's good.","start_word":1694,"end_word":1696,"sentiment":"positive","sentiment_score":0.5224983096122742},{"text":"Yeah. K. We still have to keep an eye on that life and disability insurance because if it goes up again, we may need to trim that down as well, but this should give you a pretty good savings. Yep. Because Yep. I don't And need just it. Just remember before I wore it because of the because of the I'm filling my house now. I don't really worried. So this this that's one thing I am I'm I'm worried. Yeah. Yep. And I'm having a look at it too. I'm gonna make sure the price doesn't go up too high. Just bear in mind that, obviously, not being in high risk means you but it's looking pretty similar. The fees are lower as well. Yeah. I think I have to retire 65 because of this money losing. Well, hopefully, we can get there a bit quicker because I think your goal at 500,000, if the market goes really, really good, might be able to do it earlier than 65. So we just gotta see what happens with the stock market. Yes. Yes. Yes. Yes. Yeah. No.","start_word":1697,"end_word":1883,"sentiment":"neutral","sentiment_score":0.04669705778360367},{"text":"No one can control everything for that.","start_word":1884,"end_word":1890,"sentiment":"negative","sentiment_score":-0.3526243567466736},{"text":"Even yeah. That's one thing I have to put on my mind. Even I pay for this kind of financial adviser, so you cannot control everything. Yeah. That's right. But one of the things that will be hopefully good for you is, normally, the the market the cycle's every five to seven years. So it goes up, up, up, up, up, and then COVID, it goes down. And then it goes up, up, up, up, up, and then tariffs, it goes down. Hopefully, Yep. if we can get another five years of it going up, we may be able to chop it and say, oh, 500,000. Let's just protect it and put it into something safe, and then you don't Yes. have to wait as long. Yep. Yeah. Yeah. It probably expires the thousand, I think, should be okay.","start_word":1891,"end_word":2029,"sentiment":"neutral","sentiment_score":0.04639131007649058},{"text":"Yeah. That'll get you that sort of thousand dollars a week mortgage paid off. If you're happy with that, that should be what we're aiming for.","start_word":2030,"end_word":2055,"sentiment":"positive","sentiment_score":0.5262875556945801},{"text":"Yes.","start_word":2056,"end_word":2056,"sentiment":"neutral","sentiment_score":0.32219552993774414},{"text":"Cool.","start_word":2057,"end_word":2057,"sentiment":"positive","sentiment_score":0.43272101879119873},{"text":"Now your review with Kyle was pretty recent, so I don't think there's been any really any changes to work or anything like that. It's nothing. Yeah. I've I have already four weeks no work, but I'm coming I'm have a work on this this month. So Yep. yes. Gotcha. Because Gotcha. I'm Gotcha. casual, you know, so yeah. That's it. Yeah. Goes up and down. Yeah. Yeah. Okay. So I I'm checking everything is already signed. So Yeah. yeah. I'll Wait have a minute. a look and see if that's come through. I just wanna let you know one more thing. With the the estate planning, I'll put in a recommendation for your super and your life insurance to go to your will and that you're gonna put in place a will for where your your house and your super and your life insurance go. Yep. K? Now do you remember with the will, you can go to a lawyer, you can go Yes. to, like, the courthouse, and you can Yep. also get a a will kit from Australia Post for $25 if you want. Okay. Which what's the best? You go to Justice of the Fees or no. You have to go to the lawyer, Similar. the right. That's too No. So the lawyer can be expensive, but if you go to, like, the courthouse, the public trustee, real estate, expensive. they Yeah. also do wills as well. Kinda like justice of the peace. Similar. Okay. I think I know now. This this one yeah. I got you. I got you. So And you're yeah. in Western Australia. Right? Yes. Okay. I Let think me just in quickly part. check. Yeah. So we've got when I go on Google and I type in West Australia public trustee, it comes up in Perth in 553 Hay Street in Perth, and Yep. they I also see it. do appointments for wheels and power of attorney. Yeah. Yeah. Just yeah. Yeah. Alright. So I will do my will wherever I want. Yeah. Yeah. I Wherever have to you want. I just wanna let you know that if we put in, we're gonna send you the beneficiary form for your super and your insurance to go into the will, and you're just gonna make sure that you do put in place to get up if you don't have a will. Okay. Yes, sir. Because so once I I make the wheel, I will send it to you. Yep. You don't have to send us the will. You're just gonna let us know that you've done it. That's all. Okay. That's okay. Fair enough. Yeah. Yeah. Yep. Now just quickly, Alan, with the way you want the super and the life insurance to go in the will, have you already chosen who you want to get it? Everything's for my kids, you know, because wife is have already have their own superannuation, you know. My wife is working too, so the kid is think I look after the kids. Yeah.","start_word":2058,"end_word":2565,"sentiment":"neutral","sentiment_score":0.0866518219287588},{"text":"Awesome.","start_word":2566,"end_word":2566,"sentiment":"positive","sentiment_score":0.41416674852371216},{"text":"And all the kids are 18 or 18? Under Under eighteen. Okay.","start_word":2567,"end_word":2578,"sentiment":"neutral","sentiment_score":0.09916885942220688},{"text":"Cool. So that would be good.","start_word":2579,"end_word":2584,"sentiment":"positive","sentiment_score":0.4724612236022949},{"text":"When, excuse me, when you talk to the solicitor or the courthouse eighteen. can Yes. do you have a pen and paper handy, sir? So what what what papers what document I need to bring? A certificate or birth certificate or whatever? No need? Really just your identification. Okay. That's it. Yeah. Yeah. And the name of There's the something, yeah, okay. in the name of the people and where they live. And Yeah. Yeah. Okay. the type of will that you you might be looking for is called a testamentary trust will. Okay. Can you So can you send it to my email, that one? The one you said? Yes. Yes. I'll send you a quick email just because the what it does, if you put in place a a will, it a testamentary trust will, it creates a trust fund for the kids when you when you die, And then you Yep. can say how much money they get, whether they get a little bit now. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Alright. That's fair enough.","start_word":2585,"end_word":2764,"sentiment":"neutral","sentiment_score":0.057238519688447315},{"text":"Thank Yep. you so I much will for send that you four an email.","start_word":2765,"end_word":2778,"sentiment":"positive","sentiment_score":0.5126008987426758},{"text":"eight. Yeah. Yep. No. That's totally okay. Do you have any questions for me? Yes. So far, it's yeah. Just you can do anything for that because the market is is not your control. You just give me advice. And then I think that's fair enough for me.","start_word":2779,"end_word":2826,"sentiment":"neutral","sentiment_score":0.1482938677072525},{"text":"Awesome.","start_word":2827,"end_word":2827,"sentiment":"positive","sentiment_score":0.5143791437149048},{"text":"So get the risk down a little bit, try and get the the interest up, save Yep. on the fees for the insurances, and get the the will sorted. Yeah. Yeah. I think it's fair enough for me to get out to get off the income protection. It should be expensive, you know? Yes. Very expensive. Yeah. Yeah. It's 4,000. When it gets canceled, because you've signed and we cancel it, they'll give you a two month refund because the next premium is not due until June. Yes. So Okay. they'll give you Yeah. another, I think, $600 back. Yes. Yeah. Imagine if for last ten years, I pay 4,000. It's gonna be 40,000. Awesome. Okay.","start_word":2828,"end_word":2943,"sentiment":"neutral","sentiment_score":0.027799203991889954},{"text":"Yeah. Thank you That's so a much lot. for that.","start_word":2944,"end_word":2953,"sentiment":"positive","sentiment_score":0.6752080917358398},{"text":"That's Yeah. a Yeah. lot. Yeah. Yeah. No worries. Anything else I can do for you, sir, before I let you go?","start_word":2954,"end_word":2975,"sentiment":"neutral","sentiment_score":0.15758980810642242},{"text":"All good.","start_word":2976,"end_word":2977,"sentiment":"positive","sentiment_score":0.44497478008270264},{"text":"Yes. I signed already, and then I hope you check it if everything is good. I I just only mistake. Yeah. I put It's thirty come through days. sign. Yeah. Yeah. What should be alright? Yeah? It's like Let me thirty have a and look. four and '26. Yeah. Yeah. Yeah. Yeah. Yep. Let me have a look. I'll go down to the SLA. One sec. Here we go. There it is. Yeah. It's quite Yep. That's fine. Yeah.","start_word":2978,"end_word":3056,"sentiment":"neutral","sentiment_score":0.06951817870140076},{"text":"That's that's acceptable for us. That's perfect. And then for the insurance, that looks good, and that's it.","start_word":3057,"end_word":3074,"sentiment":"positive","sentiment_score":0.4498631060123443},{"text":"It was only the two. Yeah.","start_word":3075,"end_word":3080,"sentiment":"neutral","sentiment_score":0.13984093070030212},{"text":"Thank you so much.","start_word":3081,"end_word":3084,"sentiment":"positive","sentiment_score":0.540937602519989},{"text":"Yeah. Yeah.","start_word":3085,"end_word":3086,"sentiment":"neutral","sentiment_score":0.2912551462650299},{"text":"All good.","start_word":3087,"end_word":3088,"sentiment":"positive","sentiment_score":0.37472817301750183},{"text":"Yeah.","start_word":3089,"end_word":3089,"sentiment":"neutral","sentiment_score":0.3265085816383362},{"text":"So it's good. This is the way I like.","start_word":3090,"end_word":3098,"sentiment":"positive","sentiment_score":0.4892152547836304},{"text":"The last year, the lady I don't don't get me wrong. It's it's so quick. And then they do give me like this. So I said, I said, how come yeah. It should be like every year. But last year, I don't I forget the lady, but Too I quick. mean yeah. Yeah. I hope next time it should be like this. I can see everything here. Not only talking and then that's it. And then you sign it. Yeah. Yeah. Yeah. No. That's fine, mate. And next one will probably be with me or my colleague. We'll make sure we take time to explain it and you can see it. Yeah. I I I I rather That's prefer totally you. Don't fine. get me wrong with it. I'll say for that to you. You'll be alright for No worries. that. Okay. No Thank you worries. so much. So do you mind if I send you a text message? And if you're happy, you can maybe leave a Google review? Yes.","start_word":3099,"end_word":3269,"sentiment":"neutral","sentiment_score":0.06833251794440705},{"text":"Sure. Perfect. Awesome. If you have any questions, please call back.","start_word":3270,"end_word":3280,"sentiment":"positive","sentiment_score":0.4824080467224121},{"text":"Sure. Yes.","start_word":3281,"end_word":3282,"sentiment":"neutral","sentiment_score":0.22838924825191495},{"text":"Sure. Thank you so much. Yeah. Awesome, Alan. Have a great day, and I'll talk to you soon then.","start_word":3283,"end_word":3301,"sentiment":"positive","sentiment_score":0.7066804766654968},{"text":"Yeah. You too. Yep.","start_word":3302,"end_word":3305,"sentiment":"neutral","sentiment_score":0.2707371711730957},{"text":"Thank you. Thank you. Bye.","start_word":3306,"end_word":3310,"sentiment":"positive","sentiment_score":0.5628570914268494},{"text":"Bye.","start_word":3311,"end_word":3311,"sentiment":"neutral","sentiment_score":0.21515397727489471}],"average":{"sentiment":"neutral","sentiment_score":0.07672033211743538}}}}