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No. That's understandable. That's absolutely fine. That's why we always try to give you a call. And if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back. And thank you so much for giving us a callback. Do you have some time now just to run through your interview, have a bit of a chat, and see how things are going for you? Yeah. Fantastic. All good. Now we do send out some annual review packs to you as well just for the documents that we are going through. Essentially, we're just gonna get my admin team member to kinda send those through to you just to email it through. Are you able to look at your emails at the moment, or you prefer just to run through things and have a look at the master? That's okay. It's completely up to you. You're welcome to have a bit of a look later, and we can kinda go go through things now. Do you want us to make it easier on you? I know you've had a a fun time with technology already this morning. All good. Easy. Just as hard to get in your review before you kinda jump into things there, Darren. Is there anything particularly question wise you might have for us or anything specific you wanted me to sort of touch base on for you? Oh, fantastic. Excellent. Oh, is that for your Netwealth yeah. Superfund? Yeah. You will. I'll give I'll give you the balance now. So your balance as of the July 7, which is when we did the documents up for you, is 744,370 and 40¢. Yeah. Fantastic. No. Oh, good. It is. It is. So now you have fully finished work. Are you wanting to maybe start drawing a pension out of your super? Yep. Yep. Beautiful. And just double checking. So age, you're 61 this year in November, so 60 now? Yep. Beautiful. And how long ago did you finish work? Oh, fantastic. Did you get any kind of, like, long service leave, sick leave not sick leave, but long service leave or annual leave kinda paid out to give you a bit of a buffer before that pension sort of starts? Or how long do you think before you would need to start receiving a pension? Yep. Absolutely. Okay. Yes. Right. Yeah. No. That's okay. Yeah. Okay. So you're still having a little bit of money. Yeah. Yep. No. That's okay. How much do you think you're gonna need to draw out a super on a weekly, fortnightly, or monthly basis to live on? Mhmm. If we do a wing for you. So what we'll do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented. I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like. We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit. We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along. And then it does take about a week for the super funds to move into pension phase. So I just wanna make sure that we've given you enough time between updating the advice for you and starting up pension to make sure that you're not missing any money or not going any, you know, too many weeks without any kind of income payment to support you. Okay. Yep. Yeah. Absolutely. Okay. Not a problem. Easy done. So, realistically, we can have this advice sort of updated for you. I would probably say around about maybe two weeks to get that done with the sort of advice that we're looking at. So we're at the eighth now. Next week's the fifteenth. If we maybe hook it in for Wednesday, the twenty second or Thursday, the twenty third, would that be okay that's in two weeks' time? Yep. What sort of time of day is better for yourself to have that that call? Did you want sort of early in the morning or in the afternoon? I We can. Yeah. It would need to be on the Thursday, the twenty third, because that's when I have that time frame available. So I'll pop it in there for you for 08:30 on the twenty third for your statement of advice, Yeah. '20 July 3 at 08:30. Yeah. Beautiful. Okay. So 1,200 per week is what's needed for living expenses. Beautiful. Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything like that? Okay. Get all that sorted for you. Yeah. Absolutely. Absolutely. Yeah. Absolutely. That was yeah. Absolutely. You can take the money out whenever you need. And one of the benefits for moving out of that super accumulation phase into the pension phase is that everything inside of that is tax free. So with your super at the moment being an accumulation, they actually charge you tax on well, your super fund pays tax on income and capital gains. From moving into pension phase, everything in that phase is completely tax free. The income payments you draw down, you can draw down extra ad hoc lump sums as you need it. You just give us a call. You just request the payment. We can do it under advice. It takes a bit longer to do the advice around that, or you can just request it as a transaction without advice, which is a quicker way to draw down extra lump sums outside of your normal pension payments. We'll still review the super with you, see how it's working, review your pension payments with you every year, look at your risk level to make sure you're invested correctly, and check your investments. Because as much as you're sort of, you know, retiring now and moving into that pension phase, you still have longevity. You know, you're only 60. So most people spend ten, twenty, thirty, or even forty odd years in retirement. So making your super work as long as possible also fits in that stage. And when you get close to the age 67, we can look at, you know, age pension eligibility, look at reducing your income payments down, if you're able to get age pension in there as well and sort of provide that longevity from then on. Okay. Yeah. Yep. Yeah. Wow. Yeah. Yes. Nice. Yeah. I've got that one down here that block of land. Yeah. Yeah. So I've got the block of land on here with the shared asset value. Last year was about 330,000. Would you increase that a bit more from there, do you reckon? Okay. Yeah. That's okay. Yeah. Absolutely. And so the bar you mentioned the valuation we have on there was 25,000, but you said it's a bit higher now? Yeah. That's what I thought. I've been it must have just missing a zero in there from your review last year, and that's okay. I'll just pop that in there. So two 150,000 on the boat. You've got that tinny still as well. Do you have the tinny there? 45,000? Beautiful. Excellent. And then I've also got the two cars that you have. One of those valued at about 160,000. Is that accurate for one of your vehicles? Yeah. That's alright. Yep. Yeah. Okay. Perfect. So we'll sell I'll just note down here. So we're gonna sell the RAV later this year, about 45,000 of value on that one. There's no debt on the RAV. It's owned outright. Yep. Beautiful. And the value of the so the car that you had valued at 60,000, it's a cruiser. Yep. Perfect. Land Cruiser. Beautiful. And the vehicle that you valued at 160,000, what kind of car is that? Land Cruiser 300. Beautiful. And are you planning to keep the other two Land Cruisers? Are you looking to maybe just keep one of those? Yep. Yep. Beautiful. Fantastic. Yeah. Absolutely. And your main primary residence assets value on that one we had last year was about 1,200,000. Would you change or alter that valuation? Is that fairly accurate still? Yeah. Wow. Really? Let me just pop the address on. I mean, that's gonna be that's gonna be really good. Yeah. Absolutely. Yeah. Nice. I'm just sort of having a quick look at some of the valuations. I mean, people will pay, won't they? Especially at the moment. It's saying here, rough valuation, mid $9.30, high, 1.06 mil. But let me just double check. Yeah. No. No. Definitely. I mean, was looking at where you are, it's not a bad place. It's not a bad house where you're at. Good location. Yeah. Yep. Yeah. Definitely. Yeah. Yeah. No. I mean, look. On this, 1.6 doesn't sound very far off. Did you want me to increase the value there to one point six? No? Yeah. That's okay. It's gotta be what you're comfortable with. I mean, it's just a sort of an estimated value based on, you know, what you value your property at. Not saying that you're gonna sell up to this much money, but, realistically, when you think about how much properties have grown, someone probably you know, and where you're located especially, I mean, you could get a pretty penny for it. But you're retired now, so you'll get to enjoy the view every day and not have to go to work. No. Excellent. Is there any other assets or liabilities that we haven't got on file? Do you have any large credit cards or personal loans or debts that we need to note down at all? Nope. That's okay. I'm just updating your asset and made it income. So we'll start with $1,200 per week in income for you to be drawn down from super. We don't need any additional lump sums at the moment, but in this time between now and into which time we present the advice, if that changes, just let me know. I can always go back and update and change it for you. Income wise, I'm just changing that to zero because you are officially now retired, which is fantastic. And now I've got down here that your sorry. You've entered the fact that a relationship, Your partner is Bernice. Is that right? Yeah. Lovely. Is she retired as well, or is she still working? Oh, I'm so sorry. Yeah. Yep. Oh, so unlike an income protection claim? Yeah. Yeah. It's 60 five. Oh, yeah. So, I mean, it's it's bad that she's on that claim. It means that something's obviously happened that means she can't go to work. But on the upside, you get to spend some more time together and travel together. No. Beautiful. Yeah. No. Absolutely. Fantastic. I'm just taking all of the super contributions out. So you're not expecting any additional contributions from your employer over the next two weeks. They will have made all the contributions required for you finishing up on work. Oh, they should send you yeah. Yeah. Because they definitely should provide you with, like, a final pay slip that, you know, outlines how much you've been paid out, what the taxation looked like, how much was put into super. Yeah. Yeah. They're probably suffering a bit more than rest of us. Yeah. Oh, really? Wow. So you might get some back pay. No. Correct. Yep. That's okay. Yep. You might be able to. They may or may not. It really depends upon their rules. I yeah. If you can find that out and let me know, see what they are willing to, are you wanting to have that, if possible, added into your soup, or are you sort of wanting to keep maybe some of that money in a bank account as a buffer? Okay. So that's two. Yeah. No. That's okay. Yep. Beautiful. And you've got about 80,000 in at the moment. Yeah. That's okay. Beautiful. Yeah. I mean, that'll cover you for your holiday. It gives you a bit of a buffer in case large bills and things come up. You said you've got some rego and some things like that too, and then the plumbing bill coming in as well. So having those sorts of things in the short term as a bit of a buffer is never a bad thing. And then if you find you need additional amounts over and above that, you have us as your advisers. We can draw money out as well so we can always look at helping you with that. Okay? Beautiful. Excellent. So we've got a really good idea of where we're going and what the advice needs to look like, which is fantastic. Now you are in Netwealth. You have been in Netwealth for quite some time. And look, as a platform, as a super fund. Netwealth is not by any means bad, but there are often cheaper super funds out there. Are you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension. Would you like me to review all those options for you? Yep. Fantastic. Now I did give you a balance. So your balance is at $7.44 $3.70 and 40¢, which is great. When we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well. Essentially, the net return after fees, you're up by 6.74%, which is fantastic. Some people would prefer a dollar figure as opposed to a percent there, Darren. So when I kind of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year. So it's a really good amount of growth that you have seen. A good good return. Yeah. I have sort of note one of your investments in there as well as everything's done really well in your app, which is great. But moving forward, one of your investments is underperforming a little bit. And whilst it hasn't really held your super back, I would like to maybe remove that for you. I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit. You originally have the Bennelong Australian Equities investment in there. That was meant to be more of an actively managed fund. So the investment manager of Bennelong is meant to be buying and selling investments and trying to outperform against the market. Unfortunately, they haven't been able to do so, and therefore, it has been underperforming a little bit there. So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe get rid of anything that's underperforming because you've now got longevity with your super paying you a pension. So we wanna make sure that you're not in any underperforming investments and review all of those. Does that make sense? Do you have any questions? Yes. Fantastic. The other thing to look at is the risk level there. So having a look at things, you are and have been in more of that sort of growth environment over the last couple of years. And being in that environment is not in any way, shape, or form bad. It's actually really good when you're accumulating wealth. However, when you kinda go into that pension phase and you start drawing income out of your super, we often wanna look at maybe reducing the risk level and not having those large market fluctuations because we are drawing income out of our super. I just wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward. Does that sound okay? Yep. Beautiful. The first one in here is having a look. Have you ever owned, say, direct shares or investments in your own name before? Yeah. No. That's okay. The next one is yeah. That's alright. The next question here is about inflation, and it says inflation means that things are getting more expensive over time. We essentially know a 100 this year isn't worth a $100 next year because inflation eats away our buying power. When you think about your super moving forward, are you comfortable taking on a higher level of risk to try and get greater potential returns through your retirement knowing that when we see market downtime because your balance is higher, you'll feel that effect? Or are you sort of comfortable with maybe a medium or moderate amount of risk to get the best returns you can trying to limit market fluctuations, or are you trying to reduce your risk as much as possible knowing the returns are gonna be lower as well? Where do you think you might fit? It can do. Absolutely. Yeah. Yep. Yeah. We moved you down to kind of that growth area, so stepping down a bit more gradually. Yeah. Yes. Abs absolutely. I'll put you in the middle. Not a problem at all. The next one here is asking, how would you feel in six months if you looked at your super and had fallen by 20%? Do you think about putting more money in, maybe taking advantage of the buying opportunity? Are you more likely to hold and wait, hopefully, not having to draw more than the regular income amount and maybe call us and see what's going on with, you know, super and the markets in general? Or are you feeling very concerned and maybe wanting to sell the investments and move money into cash for a bit of security? How do you think you might be feeling? Yep. Beautiful. Absolutely. The next one here is asking about the reasonable rate of return you're trying to get. Now even in our retirement years, we're generally trying to get the best returns we possibly can. That's sort of what you're thinking. Try and get whatever, you know, possible returns you can to keep your sleep working as long as possible. Yeah. All good. The next one here is essentially, again, looking more at a dip. So if you did sort of see the markets fall in the next few months or the next twelve months, how do you think you might be feeling? Are you feeling optimistic about the market and the future investment opportunities? Are you a bit cautious because you are in pension phase and drawing an income, or are you feeling very concerned, you know, not wanting to sort of draw too much more out and hoping the market recovers fairly quickly? Mhmm. Yeah. Yeah. No. That's okay. Do you think it might still be making you cautious, concerned, or anxious, or just fairly optimistic about, you know, the market coming back and recovering? How do you think you might feel in that instance? Yep. Yeah. Okay. Yeah. Absolutely. And with that that investment property and that shed you have on that land, when are you sort of thinking you might wanna sell that, or are you wanting to sort of develop it and live in it in the future? What's your plan for that down the track? Yep. Okay. Yes. Yeah. Yep. Yeah. Of course. Yeah. Absolutely. So just holding on to for the time being and until you need to sell it to sort of cover you or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains. Yep. Beautiful. You absolutely can. Yeah. Definitely. When that time comes, you let me know. We can update the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you. But, yeah, you absolutely can currently. Yeah. Beautiful. I would wouldn't need be on your doorstep with a asking for a check. But he tax me, and they know how to get us. Oh, all good. Well, thank you for answering those questions. Now to kind of look at that, you have scored as more of a moderate investor. So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark. As a more of a moderate investor, that would see us bring you down to more of a two. It sees us kind of reduce your current asset allocations about 80% in growth assets down to about, say, 50 to 60% in those growth assets. Growth assets are things like Australian shares, international shares, listed property, and commodities like gold and silver. Those are the investments that get us the greater gains, but they're also the ones that go up and down and fluctuate quite heavily and can make us quite nervous when the market dips. So if you think back to COVID and the GFC, they're the investments that really saw very large dips that took about seven years to come back and recover. So it is reducing the risk by reducing those growth investments. And then we would see you increasing the defensive asset allocation, so things like share oh, sorry. Things like bonds, fixed interest, those sorts of cash investments, essentially, from about 20% currently up to about sort of, 40 to 50%. Do you feel like that kind of an allocation change might be suitable lowering the risk level a little bit, bringing up more of those defensive investments? To kinda give you an idea as well, those defensive investments are more cash producing. So we wanna be drawing income out of those investments to help with your regular income payments in pension, but also so we can keep that money invested and continue growing your super a little bit. Do you have any questions there so far, and does that make sense? And does that kinda feel comfortable for you, or would you want that sounds okay? Yep. Beautiful. I'll look at more of a balanced portfolio for you. To kinda give you an idea of the difference of risk level, at the moment, you generally with your current portfolio, you're generally looking at or expecting a likelihood of a negative return, say, one in every five years. With that balanced environment, you're sort of expecting a likelihood of a negative return, kind of one in every seven years. So you are reducing the risk level a little bit, And this balanced environment more suits someone who's accessing their funds within in kind of the next three years. You can be in that balanced environment long longer term, but it's about kind of balancing risk with returns and making sure you're getting some income to help balance the income payments you're drawing out on a regular basis, but also protecting your capital and not seeing such big market fluctuations. You know, don't wanna see those really large ups and downs that make you feel nervous. Yeah. Does that all make sense there, Darren? Yep. Beautiful. So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you. The other thing I had here is you've got your resolution life policy there at the moment. I know that that policy is still in place, and it's the plan expiry is 2030. They have kinda given us an idea on what that looks like. Are you wanting to keep that resolution life endowment policy in place for a bit longer, say, until the expiry, or are you wanting to maybe draw that out earlier? Or no. Yeah. So at the death benefit at the moment, so if you were to pass away currently, the death benefit paid out is about 107,071. The withdrawal benefits, if you were to take the funds out now, they obviously consider that and you get less, it'd be 93,060 roughly. Yeah. '20 '30. Yep. Beautiful. Well, I'll I'll make a note here. So future goals are looking at, obviously, proceeds of selling the boat and the land as well, and then we'll look at, you know, 2030, look at that resolution life policy, look at what you can withdraw then, what you need to do with the funds, and what you can do because we can always look at putting it back into super or investing it elsewhere, or you can kick the funds and go on a lovely holiday. So I'll note that down for you as well. Beautiful. Honestly, those endowment pulses are beautiful. You don't see them anymore. You can't get them anymore. But to to look at them, they're. Yeah. Oh, that's beautiful, and you kept it going. I love that. Yeah. I know. Yeah. It is it you keep you keep keeping it, get those annual bonuses in there, and, yeah, wait for the policy to end and then enjoy that lovely lump sum benefit paid out. Beautiful. No. Excellent. I love that. Beautiful. Now, obviously, looking at the other side of things, that resolution life policy does pay out that lump sum benefit in the event that you were to pass away. So it does act as a life insurance policy as well. If you were to then pass away between, you know, from here out, your super benefit is also paid out to your beneficiaries. Just double checking, in the event of you passing away, is it that you're wanting everything to be paid out to Denise? So what is your wishes with your super benefit being paid out on passing? Yep. Beautiful. Lovely. Yeah. You did. Yeah. So because we are moving into pension phase, it is a whole new account that we open up, so I do make a recommendation on beneficiaries. But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well. They allow us a lot of different options for beneficiary nominations. So I'll kind of make that nomination for you as part of the advice so you can see what I'm recommending and how we direct that to her in the event of you passing. In saying that, Darren, we want you to stay alive and enjoy your retirement and want nothing to happen for sure. Okay. You. You've worked too hard. Oh, you are done. I love that. Yeah. Absolutely. Absolutely. And it'll give you the option to take it or not. You get, you know, you get to decide what's right for you. If you don't wanna work that week, you don't have to do anything that week. The other side of your state planning is the will and powers of attorney. I have it noted back here that you did have a will in place. Is your will current and reflective of your current circumstances? Okay. Beautiful. And did you have a power of attorney in place with that will? Do you know did they do, like, a will and power of attorney, or was it just, like, a will and testament? Mhmm. Yep. That's that's okay. As long as you had a power of attorney done up, that's all all sorted. Yep. Fantastic. Fantastic. What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future. We want nothing to happen. But in the event of you actually passing away, we can only speak to your the executor of your will. So if you are able to send us a copy of your will, we can keep it on file for you and keep it reflective. That way if anything was to happen, we can contact the executor. We can help them to make a claim on your super, and we can help to make sure the beneficiaries just take the money nice and quickly. Is that okay? Yeah. Just makes everything a little bit easier and a bit more streamlined for your beneficiaries. In the event something happens, as I said, I want nothing to happen. I want you to enjoy the next thirty to forty years of your life and have the best time in retirement. You you don't you don't think it'll last that long? Yeah. No. No. Yeah. No. That's okay. Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma. Are you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing? Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself? Yep. Yep. Okay. Okay. Okay. Beautiful. And that's all with Resolution Life as well. You pay that out of pocket. Yep. Beautiful. Do you know do you happen to have, like, a policy number? What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you? Yeah. That's okay. You can still definitely keep the broker. There's nothing we don't change the policy ownership or anything if you don't want us to. It's just a third party a third party authority, so we can give them a call, ask them questions, find out the cover amount, help you to get quotes if you wanna alter anything or change anything there. It just kind of means that, you know, you you don't have to call and deal with a lot of stuff. We can call Resolution Life directly for you and ask questions and help with the policies, get renewal letters, and things like that for you. I mean, you kind of have up as as your advisers, so, you know, there's just an extra little bit of help that we can provide to you to keep making sure your circumstances are all working for you. But then, you know, you have us to do a bit of leg work for you as well if that helps. Yeah. That's okay. Resolution Life has a wee one. Yeah. Okay. 110,050 thousand in trauma. Beautiful. That's resolution life. If you can't get it now, that's okay. I could always get some Samantha to give you a call later or tomorrow and sort of follow that up. That's honestly okay. I know their policy numbers can be a bit hard sometimes. Yes. The the one for the other one, for your endowment policy, that is starting with Q and ending in N. Ends in 045N. Yeah. Normally, it's on the very front under your details on the top left hand corner depending on which way you're facing. Right. Does he kind of review the policy with you every year and update things to make sure that it's all working? Yeah. Perfect. That's okay. That's absolutely fine. I'm happy just to I can just note down here the level of cover you do have if you like, because it is kinda reviewed with you regularly. And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine. But it sounds like it is pretty well under control. Fantastic. Excellent. No. That's really good. That's okay. I'll just note down the level of cover you've got. Yeah. Yeah. That's okay. That's not a problem. I can get Samantha to sort of follow that one up with you. It's not a problem. Are you happy and okay with us adding a third party authority on file just to kind of help you where you might need as well? Yeah. That's okay. I'll get Samantha just to follow-up and grab the policy number later. She might even just be able to send you an email. And if you can get that, just email it back to us, that would be fantastic. And then we can just get you to sign third party authority, and we'll add it on file to give you a hand. It's a secondary pair of eyes. Easy. Yep. Oh, okay. It might be. Yeah. That's okay. Let me just policy. Account number. What's the account number? Let's have a look. Yep. Mhmm. Yep. Beautiful. I'll just read that back to you. So PForPeter, 811411612. Yep. Fantastic. All good. Yeah. No. That's absolutely perfect. We'll I'll get some Samantha just to drop a third party authority. We'll see if we can have that applied there for you. Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full and can make sure the advice document reflects that for you. Okay? Excellent. Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome. We just need you to sign and return that back. You do pay an ongoing service fee for our services of 1.65% per annum currently. That is deducted in smaller monthly increments from your super account, and, essentially, it's making sure that we're able to look after everything. We wanna make sure your super is working harder for you. So we wanna make sure you're able to get that 1.65% and then obviously make a return on top of that. Do you have any questions about how the ongoing service fee works? Or just the same as the other years. Yes. All good. Yeah. Beautiful. The only other thing is it looks like your your ID on file has expired. If I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back? Yep. Yeah. This driver's license back and front. Just shoot that back to us, and we'll be able to verify it for you. We just had under AML, need to be able to make sure when we're providing advice, we do have updated identification there for you. And then the other documents in the annual review pack you will see are your super insurance summary. So we do have your super balance there, your ResLife policy noted. We've also got the updated document from Resolution Life with your endowment policy, which shows the figures I went through. It's also got the financial services guide attached there for you, which has a lovely picture of me and all my licensing information there for you. So you're welcome to look me up, Google me, or have a look. So I'm just I'm a full licensed adviser, make life easy for you. Other than that, essentially, just to confirm that we're working forward in the right direction, I'll look at reviewing your super, the investments, look at reducing risk, moving into more of a balanced portfolio there for you. We'll look at drawing income down of about $1,200 per week. We don't need any additional buffers there at the moment. Medium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well. Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment? Have I touched on it the right way? Yep. Absolutely. Yeah. So I have you booked in for 08:30AM on the July 23, so in two weeks. In the meantime, I'll do the research, get the advice document ready to go. I'll talk to you on the twenty third. We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions. You can then take those recommendations back, have a bit of a read of them. Let me know if you do have any additional questions. And as soon as you sign that, bring it back. We'll then go forward and complete the application there for you and get that moved into pension so you can start drawing your income payments. Okay? Yeah. That'd be fabulous. Yeah. I'll get Samantha to send you a message shortly. Just asking for your ID. It'll probably be a text message that comes through. If you're not sure, give us a call. We can confirm it's us, but it will be us sending you that text message. And then those annual review documents will be in your email for you. Okay? Perfect. Easy. And just so I can confirm for the advice, when was your last day of work again for me? Monday. Yep. It was. Yeah. Absolutely. Beautiful. Well, thank you so much for calling back in your time. It's been great to get to know you and do your annual review. If you find any questions come up in the meantime, please let me know. My name's Dana, and I'll be I'll chat to you on the twenty third. We'll go through that advice together. Okay? My pleasure. Have a great day. Thanks, Darren. See you later. 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Darren. This is Dana. How are you this morning? That's good. Thank you so much for calling us back.\n\nYou've had some issues with Telstra too, I believe. Oh, wow. Yeah. Yeah. Yeah.\n\nYeah. No. That's understandable. That's absolutely fine. That's why we always try to give you a call.\n\nAnd if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back. And thank you so much for giving us a callback. Do you have some time now just to run through your interview, have a bit of a chat, and see how things are going for you? Yeah. Fantastic.\n\nAll good. Now we do send out some annual review packs to you as well just for the documents that we are going through. Essentially, we're just gonna get my admin team member to kinda send those through to you just to email it through. Are you able to look at your emails at the moment, or you prefer just to run through things and have a look at the master? That's okay.\n\nIt's completely up to you. You're welcome to have a bit of a look later, and we can kinda go go through things now. Do you want us to make it easier on you? I know you've had a a fun time with technology already this morning. All good.\n\nEasy. Just as hard to get in your review before you kinda jump into things there, Darren. Is there anything particularly question wise you might have for us or anything specific you wanted me to sort of touch base on for you? Oh, fantastic. Excellent.\n\nOh, is that for your Netwealth yeah. Superfund? Yeah. You will. I'll give I'll give you the balance now.\n\nSo your balance as of the July 7, which is when we did the documents up for you, is 744,370 and 40¢. Yeah. Fantastic. No. Oh, good.\n\nIt is. It is. So now you have fully finished work. Are you wanting to maybe start drawing a pension out of your super? Yep.\n\nYep. Beautiful. And just double checking. So age, you're 61 this year in November, so 60 now? Yep.\n\nBeautiful. And how long ago did you finish work? Oh, fantastic. Did you get any kind of, like, long service leave, sick leave not sick leave, but long service leave or annual leave kinda paid out to give you a bit of a buffer before that pension sort of starts? Or how long do you think before you would need to start receiving a pension?\n\nYep. Absolutely. Okay. Yes. Right.\n\nYeah. No. That's okay. Yeah. Okay.\n\nSo you're still having a little bit of money. Yeah. Yep. No. That's okay.\n\nHow much do you think you're gonna need to draw out a super on a weekly, fortnightly, or monthly basis to live on? Mhmm. If we do a wing for you. So what we'll do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented. I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like.\n\nWe'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit. We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along. And then it does take about a week for the super funds to move into pension phase. So I just wanna make sure that we've given you enough time between updating the advice for you and starting up pension to make sure that you're not missing any money or not going any, you know, too many weeks without any kind of income payment to support you. Okay.\n\nYep. Yeah. Absolutely. Okay. Not a problem.\n\nEasy done. So, realistically, we can have this advice sort of updated for you. I would probably say around about maybe two weeks to get that done with the sort of advice that we're looking at. So we're at the eighth now. Next week's the fifteenth.\n\nIf we maybe hook it in for Wednesday, the twenty second or Thursday, the twenty third, would that be okay that's in two weeks' time? Yep. What sort of time of day is better for yourself to have that that call? Did you want sort of early in the morning or in the afternoon? I We can.\n\nYeah. It would need to be on the Thursday, the twenty third, because that's when I have that time frame available. So I'll pop it in there for you for 08:30 on the twenty third for your statement of advice, Yeah. '20 July 3 at 08:30. Yeah.\n\nBeautiful. Okay. So 1,200 per week is what's needed for living expenses. Beautiful. Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything like that?\n\nOkay. Get all that sorted for you. Yeah. Absolutely. Absolutely.\n\nYeah. Absolutely. That was yeah. Absolutely. You can take the money out whenever you need.\n\nAnd one of the benefits for moving out of that super accumulation phase into the pension phase is that everything inside of that is tax free. So with your super at the moment being an accumulation, they actually charge you tax on well, your super fund pays tax on income and capital gains. From moving into pension phase, everything in that phase is completely tax free. The income payments you draw down, you can draw down extra ad hoc lump sums as you need it. You just give us a call.\n\nYou just request the payment. We can do it under advice. It takes a bit longer to do the advice around that, or you can just request it as a transaction without advice, which is a quicker way to draw down extra lump sums outside of your normal pension payments. We'll still review the super with you, see how it's working, review your pension payments with you every year, look at your risk level to make sure you're invested correctly, and check your investments. Because as much as you're sort of, you know, retiring now and moving into that pension phase, you still have longevity.\n\nYou know, you're only 60. So most people spend ten, twenty, thirty, or even forty odd years in retirement. So making your super work as long as possible also fits in that stage. And when you get close to the age 67, we can look at, you know, age pension eligibility, look at reducing your income payments down, if you're able to get age pension in there as well and sort of provide that longevity from then on. Okay.\n\nYeah. Yep. Yeah. Wow. Yeah.\n\nYes. Nice. Yeah. I've got that one down here that block of land. Yeah.\n\nYeah. So I've got the block of land on here with the shared asset value. Last year was about 330,000. Would you increase that a bit more from there, do you reckon? Okay.\n\nYeah. That's okay. Yeah. Absolutely. And so the bar you mentioned the valuation we have on there was 25,000, but you said it's a bit higher now?\n\nYeah. That's what I thought. I've been it must have just missing a zero in there from your review last year, and that's okay. I'll just pop that in there. So two 150,000 on the boat.\n\nYou've got that tinny still as well. Do you have the tinny there? 45,000? Beautiful. Excellent.\n\nAnd then I've also got the two cars that you have. One of those valued at about 160,000. Is that accurate for one of your vehicles? Yeah. That's alright.\n\nYep. Yeah. Okay. Perfect. So we'll sell I'll just note down here.\n\nSo we're gonna sell the RAV later this year, about 45,000 of value on that one. There's no debt on the RAV. It's owned outright. Yep. Beautiful.\n\nAnd the value of the so the car that you had valued at 60,000, it's a cruiser. Yep. Perfect. Land Cruiser. Beautiful.\n\nAnd the vehicle that you valued at 160,000, what kind of car is that? Land Cruiser 300. Beautiful. And are you planning to keep the other two Land Cruisers? Are you looking to maybe just keep one of those?\n\nYep. Yep. Beautiful. Fantastic. Yeah.\n\nAbsolutely. And your main primary residence assets value on that one we had last year was about 1,200,000. Would you change or alter that valuation? Is that fairly accurate still? Yeah.\n\nWow. Really? Let me just pop the address on. I mean, that's gonna be that's gonna be really good. Yeah.\n\nAbsolutely. Yeah. Nice. I'm just sort of having a quick look at some of the valuations. I mean, people will pay, won't they?\n\nEspecially at the moment. It's saying here, rough valuation, mid $9.30, high, 1.06 mil. But let me just double check. Yeah. No.\n\nNo. Definitely. I mean, was looking at where you are, it's not a bad place. It's not a bad house where you're at. Good location.\n\nYeah. Yep. Yeah. Definitely. Yeah.\n\nYeah. No. I mean, look. On this, 1.6 doesn't sound very far off. Did you want me to increase the value there to one point six?\n\nNo? Yeah. That's okay. It's gotta be what you're comfortable with. I mean, it's just a sort of an estimated value based on, you know, what you value your property at.\n\nNot saying that you're gonna sell up to this much money, but, realistically, when you think about how much properties have grown, someone probably you know, and where you're located especially, I mean, you could get a pretty penny for it. But you're retired now, so you'll get to enjoy the view every day and not have to go to work. No. Excellent. Is there any other assets or liabilities that we haven't got on file?\n\nDo you have any large credit cards or personal loans or debts that we need to note down at all? Nope. That's okay. I'm just updating your asset and made it income. So we'll start with $1,200 per week in income for you to be drawn down from super.\n\nWe don't need any additional lump sums at the moment, but in this time between now and into which time we present the advice, if that changes, just let me know. I can always go back and update and change it for you. Income wise, I'm just changing that to zero because you are officially now retired, which is fantastic. And now I've got down here that your sorry. You've entered the fact that a relationship, Your partner is Bernice.\n\nIs that right? Yeah. Lovely. Is she retired as well, or is she still working? Oh, I'm so sorry.\n\nYeah. Yep. Oh, so unlike an income protection claim? Yeah. Yeah.\n\nIt's 60 five. Oh, yeah. So, I mean, it's it's bad that she's on that claim. It means that something's obviously happened that means she can't go to work. But on the upside, you get to spend some more time together and travel together.\n\nNo. Beautiful. Yeah. No. Absolutely.\n\nFantastic. I'm just taking all of the super contributions out. So you're not expecting any additional contributions from your employer over the next two weeks. They will have made all the contributions required for you finishing up on work. Oh, they should send you yeah.\n\nYeah. Because they definitely should provide you with, like, a final pay slip that, you know, outlines how much you've been paid out, what the taxation looked like, how much was put into super. Yeah. Yeah. They're probably suffering a bit more than rest of us.\n\nYeah. Oh, really? Wow. So you might get some back pay. No.\n\nCorrect. Yep. That's okay. Yep. You might be able to.\n\nThey may or may not. It really depends upon their rules. I yeah. If you can find that out and let me know, see what they are willing to, are you wanting to have that, if possible, added into your soup, or are you sort of wanting to keep maybe some of that money in a bank account as a buffer? Okay.\n\nSo that's two. Yeah. No. That's okay. Yep.\n\nBeautiful. And you've got about 80,000 in at the moment. Yeah. That's okay. Beautiful.\n\nYeah. I mean, that'll cover you for your holiday. It gives you a bit of a buffer in case large bills and things come up. You said you've got some rego and some things like that too, and then the plumbing bill coming in as well. So having those sorts of things in the short term as a bit of a buffer is never a bad thing.\n\nAnd then if you find you need additional amounts over and above that, you have us as your advisers. We can draw money out as well so we can always look at helping you with that. Okay? Beautiful. Excellent.\n\nSo we've got a really good idea of where we're going and what the advice needs to look like, which is fantastic. Now you are in Netwealth. You have been in Netwealth for quite some time. And look, as a platform, as a super fund. Netwealth is not by any means bad, but there are often cheaper super funds out there.\n\nAre you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension. Would you like me to review all those options for you? Yep. Fantastic. Now I did give you a balance.\n\nSo your balance is at $7.44 $3.70 and 40¢, which is great. When we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well. Essentially, the net return after fees, you're up by 6.74%, which is fantastic. Some people would prefer a dollar figure as opposed to a percent there, Darren. So when I kind of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year.\n\nSo it's a really good amount of growth that you have seen. A good good return. Yeah. I have sort of note one of your investments in there as well as everything's done really well in your app, which is great. But moving forward, one of your investments is underperforming a little bit.\n\nAnd whilst it hasn't really held your super back, I would like to maybe remove that for you. I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit. You originally have the Bennelong Australian Equities investment in there. That was meant to be more of an actively managed fund. So the investment manager of Bennelong is meant to be buying and selling investments and trying to outperform against the market.\n\nUnfortunately, they haven't been able to do so, and therefore, it has been underperforming a little bit there. So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe get rid of anything that's underperforming because you've now got longevity with your super paying you a pension. So we wanna make sure that you're not in any underperforming investments and review all of those. Does that make sense? Do you have any questions?\n\nYes. Fantastic. The other thing to look at is the risk level there. So having a look at things, you are and have been in more of that sort of growth environment over the last couple of years. And being in that environment is not in any way, shape, or form bad.\n\nIt's actually really good when you're accumulating wealth. However, when you kinda go into that pension phase and you start drawing income out of your super, we often wanna look at maybe reducing the risk level and not having those large market fluctuations because we are drawing income out of our super. I just wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward. Does that sound okay? Yep.\n\nBeautiful. The first one in here is having a look. Have you ever owned, say, direct shares or investments in your own name before? Yeah. No.\n\nThat's okay. The next one is yeah. That's alright. The next question here is about inflation, and it says inflation means that things are getting more expensive over time. We essentially know a 100 this year isn't worth a $100 next year because inflation eats away our buying power.\n\nWhen you think about your super moving forward, are you comfortable taking on a higher level of risk to try and get greater potential returns through your retirement knowing that when we see market downtime because your balance is higher, you'll feel that effect? Or are you sort of comfortable with maybe a medium or moderate amount of risk to get the best returns you can trying to limit market fluctuations, or are you trying to reduce your risk as much as possible knowing the returns are gonna be lower as well? Where do you think you might fit? It can do. Absolutely.\n\nYeah. Yep. Yeah. We moved you down to kind of that growth area, so stepping down a bit more gradually. Yeah.\n\nYes. Abs absolutely. I'll put you in the middle. Not a problem at all. The next one here is asking, how would you feel in six months if you looked at your super and had fallen by 20%?\n\nDo you think about putting more money in, maybe taking advantage of the buying opportunity? Are you more likely to hold and wait, hopefully, not having to draw more than the regular income amount and maybe call us and see what's going on with, you know, super and the markets in general? Or are you feeling very concerned and maybe wanting to sell the investments and move money into cash for a bit of security? How do you think you might be feeling? Yep.\n\nBeautiful. Absolutely. The next one here is asking about the reasonable rate of return you're trying to get. Now even in our retirement years, we're generally trying to get the best returns we possibly can. That's sort of what you're thinking.\n\nTry and get whatever, you know, possible returns you can to keep your sleep working as long as possible. Yeah. All good. The next one here is essentially, again, looking more at a dip. So if you did sort of see the markets fall in the next few months or the next twelve months, how do you think you might be feeling?\n\nAre you feeling optimistic about the market and the future investment opportunities? Are you a bit cautious because you are in pension phase and drawing an income, or are you feeling very concerned, you know, not wanting to sort of draw too much more out and hoping the market recovers fairly quickly? Mhmm. Yeah. Yeah.\n\nNo. That's okay. Do you think it might still be making you cautious, concerned, or anxious, or just fairly optimistic about, you know, the market coming back and recovering? How do you think you might feel in that instance? Yep.\n\nYeah. Okay. Yeah. Absolutely. And with that that investment property and that shed you have on that land, when are you sort of thinking you might wanna sell that, or are you wanting to sort of develop it and live in it in the future?\n\nWhat's your plan for that down the track? Yep. Okay. Yes. Yeah.\n\nYep. Yeah. Of course. Yeah. Absolutely.\n\nSo just holding on to for the time being and until you need to sell it to sort of cover you or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains. Yep. Beautiful. You absolutely can. Yeah.\n\nDefinitely. When that time comes, you let me know. We can update the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you. But, yeah, you absolutely can currently. Yeah.\n\nBeautiful. I would wouldn't need be on your doorstep with a asking for a check. But he tax me, and they know how to get us. Oh, all good. Well, thank you for answering those questions.\n\nNow to kind of look at that, you have scored as more of a moderate investor. So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark. As a more of a moderate investor, that would see us bring you down to more of a two. It sees us kind of reduce your current asset allocations about 80% in growth assets down to about, say, 50 to 60% in those growth assets. Growth assets are things like Australian shares, international shares, listed property, and commodities like gold and silver.\n\nThose are the investments that get us the greater gains, but they're also the ones that go up and down and fluctuate quite heavily and can make us quite nervous when the market dips. So if you think back to COVID and the GFC, they're the investments that really saw very large dips that took about seven years to come back and recover. So it is reducing the risk by reducing those growth investments. And then we would see you increasing the defensive asset allocation, so things like share oh, sorry. Things like bonds, fixed interest, those sorts of cash investments, essentially, from about 20% currently up to about sort of, 40 to 50%.\n\nDo you feel like that kind of an allocation change might be suitable lowering the risk level a little bit, bringing up more of those defensive investments? To kinda give you an idea as well, those defensive investments are more cash producing. So we wanna be drawing income out of those investments to help with your regular income payments in pension, but also so we can keep that money invested and continue growing your super a little bit. Do you have any questions there so far, and does that make sense? And does that kinda feel comfortable for you, or would you want that sounds okay?\n\nYep. Beautiful. I'll look at more of a balanced portfolio for you. To kinda give you an idea of the difference of risk level, at the moment, you generally with your current portfolio, you're generally looking at or expecting a likelihood of a negative return, say, one in every five years. With that balanced environment, you're sort of expecting a likelihood of a negative return, kind of one in every seven years.\n\nSo you are reducing the risk level a little bit, And this balanced environment more suits someone who's accessing their funds within in kind of the next three years. You can be in that balanced environment long longer term, but it's about kind of balancing risk with returns and making sure you're getting some income to help balance the income payments you're drawing out on a regular basis, but also protecting your capital and not seeing such big market fluctuations. You know, don't wanna see those really large ups and downs that make you feel nervous. Yeah. Does that all make sense there, Darren?\n\nYep. Beautiful. So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you. The other thing I had here is you've got your resolution life policy there at the moment. I know that that policy is still in place, and it's the plan expiry is 2030.\n\nThey have kinda given us an idea on what that looks like. Are you wanting to keep that resolution life endowment policy in place for a bit longer, say, until the expiry, or are you wanting to maybe draw that out earlier? Or no. Yeah. So at the death benefit at the moment, so if you were to pass away currently, the death benefit paid out is about 107,071.\n\nThe withdrawal benefits, if you were to take the funds out now, they obviously consider that and you get less, it'd be 93,060 roughly. Yeah. '20 '30. Yep. Beautiful.\n\nWell, I'll I'll make a note here. So future goals are looking at, obviously, proceeds of selling the boat and the land as well, and then we'll look at, you know, 2030, look at that resolution life policy, look at what you can withdraw then, what you need to do with the funds, and what you can do because we can always look at putting it back into super or investing it elsewhere, or you can kick the funds and go on a lovely holiday. So I'll note that down for you as well. Beautiful. Honestly, those endowment pulses are beautiful.\n\nYou don't see them anymore. You can't get them anymore. But to to look at them, they're. Yeah. Oh, that's beautiful, and you kept it going.\n\nI love that. Yeah. I know. Yeah. It is it you keep you keep keeping it, get those annual bonuses in there, and, yeah, wait for the policy to end and then enjoy that lovely lump sum benefit paid out.\n\nBeautiful. No. Excellent. I love that. Beautiful.\n\nNow, obviously, looking at the other side of things, that resolution life policy does pay out that lump sum benefit in the event that you were to pass away. So it does act as a life insurance policy as well. If you were to then pass away between, you know, from here out, your super benefit is also paid out to your beneficiaries. Just double checking, in the event of you passing away, is it that you're wanting everything to be paid out to Denise? So what is your wishes with your super benefit being paid out on passing?\n\nYep. Beautiful. Lovely. Yeah. You did.\n\nYeah. So because we are moving into pension phase, it is a whole new account that we open up, so I do make a recommendation on beneficiaries. But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well. They allow us a lot of different options for beneficiary nominations. So I'll kind of make that nomination for you as part of the advice so you can see what I'm recommending and how we direct that to her in the event of you passing.\n\nIn saying that, Darren, we want you to stay alive and enjoy your retirement and want nothing to happen for sure. Okay. You. You've worked too hard. Oh, you are done.\n\nI love that. Yeah. Absolutely. Absolutely. And it'll give you the option to take it or not.\n\nYou get, you know, you get to decide what's right for you. If you don't wanna work that week, you don't have to do anything that week. The other side of your state planning is the will and powers of attorney. I have it noted back here that you did have a will in place. Is your will current and reflective of your current circumstances?\n\nOkay. Beautiful. And did you have a power of attorney in place with that will? Do you know did they do, like, a will and power of attorney, or was it just, like, a will and testament? Mhmm.\n\nYep. That's that's okay. As long as you had a power of attorney done up, that's all all sorted. Yep. Fantastic.\n\nFantastic. What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future. We want nothing to happen. But in the event of you actually passing away, we can only speak to your the executor of your will. So if you are able to send us a copy of your will, we can keep it on file for you and keep it reflective.\n\nThat way if anything was to happen, we can contact the executor. We can help them to make a claim on your super, and we can help to make sure the beneficiaries just take the money nice and quickly. Is that okay? Yeah. Just makes everything a little bit easier and a bit more streamlined for your beneficiaries.\n\nIn the event something happens, as I said, I want nothing to happen. I want you to enjoy the next thirty to forty years of your life and have the best time in retirement. You you don't you don't think it'll last that long? Yeah. No.\n\nNo. Yeah. No. That's okay. Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma.\n\nAre you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing? Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself? Yep. Yep. Okay.\n\nOkay. Okay. Beautiful. And that's all with Resolution Life as well. You pay that out of pocket.\n\nYep. Beautiful. Do you know do you happen to have, like, a policy number? What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you?\n\nYeah. That's okay. You can still definitely keep the broker. There's nothing we don't change the policy ownership or anything if you don't want us to. It's just a third party a third party authority, so we can give them a call, ask them questions, find out the cover amount, help you to get quotes if you wanna alter anything or change anything there.\n\nIt just kind of means that, you know, you you don't have to call and deal with a lot of stuff. We can call Resolution Life directly for you and ask questions and help with the policies, get renewal letters, and things like that for you. I mean, you kind of have up as as your advisers, so, you know, there's just an extra little bit of help that we can provide to you to keep making sure your circumstances are all working for you. But then, you know, you have us to do a bit of leg work for you as well if that helps. Yeah.\n\nThat's okay. Resolution Life has a wee one. Yeah. Okay. 110,050 thousand in trauma.\n\nBeautiful. That's resolution life. If you can't get it now, that's okay. I could always get some Samantha to give you a call later or tomorrow and sort of follow that up. That's honestly okay.\n\nI know their policy numbers can be a bit hard sometimes. Yes. The the one for the other one, for your endowment policy, that is starting with Q and ending in N. Ends in 045N. Yeah.\n\nNormally, it's on the very front under your details on the top left hand corner depending on which way you're facing. Right. Does he kind of review the policy with you every year and update things to make sure that it's all working? Yeah. Perfect.\n\nThat's okay. That's absolutely fine. I'm happy just to I can just note down here the level of cover you do have if you like, because it is kinda reviewed with you regularly. And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine. But it sounds like it is pretty well under control.\n\nFantastic. Excellent. No. That's really good. That's okay.\n\nI'll just note down the level of cover you've got. Yeah. Yeah. That's okay. That's not a problem.\n\nI can get Samantha to sort of follow that one up with you. It's not a problem. Are you happy and okay with us adding a third party authority on file just to kind of help you where you might need as well? Yeah. That's okay.\n\nI'll get Samantha just to follow-up and grab the policy number later. She might even just be able to send you an email. And if you can get that, just email it back to us, that would be fantastic. And then we can just get you to sign third party authority, and we'll add it on file to give you a hand. It's a secondary pair of eyes.\n\nEasy. Yep. Oh, okay. It might be. Yeah.\n\nThat's okay. Let me just policy. Account number. What's the account number? Let's have a look.\n\nYep. Mhmm. Yep. Beautiful. I'll just read that back to you.\n\nSo PForPeter, 811411612. Yep. Fantastic. All good. Yeah.\n\nNo. That's absolutely perfect. We'll I'll get some Samantha just to drop a third party authority. We'll see if we can have that applied there for you. Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full and can make sure the advice document reflects that for you.\n\nOkay? Excellent. Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome. We just need you to sign and return that back. You do pay an ongoing service fee for our services of 1.65% per annum currently.\n\nThat is deducted in smaller monthly increments from your super account, and, essentially, it's making sure that we're able to look after everything. We wanna make sure your super is working harder for you. So we wanna make sure you're able to get that 1.65% and then obviously make a return on top of that. Do you have any questions about how the ongoing service fee works? Or just the same as the other years.\n\nYes. All good. Yeah. Beautiful. The only other thing is it looks like your your ID on file has expired.\n\nIf I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back? Yep. Yeah. This driver's license back and front. Just shoot that back to us, and we'll be able to verify it for you.\n\nWe just had under AML, need to be able to make sure when we're providing advice, we do have updated identification there for you. And then the other documents in the annual review pack you will see are your super insurance summary. So we do have your super balance there, your ResLife policy noted. We've also got the updated document from Resolution Life with your endowment policy, which shows the figures I went through. It's also got the financial services guide attached there for you, which has a lovely picture of me and all my licensing information there for you.\n\nSo you're welcome to look me up, Google me, or have a look. So I'm just I'm a full licensed adviser, make life easy for you. Other than that, essentially, just to confirm that we're working forward in the right direction, I'll look at reviewing your super, the investments, look at reducing risk, moving into more of a balanced portfolio there for you. We'll look at drawing income down of about $1,200 per week. We don't need any additional buffers there at the moment.\n\nMedium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well. Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment? Have I touched on it the right way? Yep. Absolutely.\n\nYeah. So I have you booked in for 08:30AM on the July 23, so in two weeks. In the meantime, I'll do the research, get the advice document ready to go. I'll talk to you on the twenty third. We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions.\n\nYou can then take those recommendations back, have a bit of a read of them. Let me know if you do have any additional questions. And as soon as you sign that, bring it back. We'll then go forward and complete the application there for you and get that moved into pension so you can start drawing your income payments. Okay?\n\nYeah. That'd be fabulous. Yeah. I'll get Samantha to send you a message shortly. Just asking for your ID.\n\nIt'll probably be a text message that comes through. If you're not sure, give us a call. We can confirm it's us, but it will be us sending you that text message. And then those annual review documents will be in your email for you. Okay?\n\nPerfect. Easy. And just so I can confirm for the advice, when was your last day of work again for me? Monday. Yep.\n\nIt was. Yeah. Absolutely. Beautiful. Well, thank you so much for calling back in your time.\n\nIt's been great to get to know you and do your annual review. If you find any questions come up in the meantime, please let me know. My name's Dana, and I'll be I'll chat to you on the twenty third. We'll go through that advice together. Okay?\n\nMy pleasure. Have a great day. Thanks, Darren. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":1.4399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.12802895158529282},{"text":"This is Dana.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.14048627763986588},{"text":"How are you this morning?","start":2.8,"end":4.02,"sentiment":"neutral","sentiment_score":0.23221226334571837},{"text":"That's good.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.6236878037452698},{"text":"Thank you so much for calling us back.","start":8.16,"end":9.76,"sentiment":"positive","sentiment_score":0.5803243070840836}],"sentiment":"positive","sentiment_score":0.3864274058490992,"num_words":20,"start":1.4399999,"end":9.76},{"sentences":[{"text":"You've had some issues with Telstra too, I believe.","start":9.76,"end":12.099999,"sentiment":"neutral","sentiment_score":-0.16072306409478188},{"text":"Oh, wow.","start":22.564999,"end":23.305,"sentiment":"neutral","sentiment_score":-0.011243186891078949},{"text":"Yeah.","start":25.859999,"end":26.359999,"sentiment":"neutral","sentiment_score":-0.027943098917603493},{"text":"Yeah.","start":27.699999,"end":28.199999,"sentiment":"neutral","sentiment_score":-0.00034656748175621033},{"text":"Yeah.","start":28.74,"end":29.06,"sentiment":"neutral","sentiment_score":-0.016513962298631668}],"sentiment":"neutral","sentiment_score":-0.108128398523799,"num_words":14,"start":9.76,"end":29.06},{"sentences":[{"text":"Yeah.","start":29.06,"end":29.56,"sentiment":"neutral","sentiment_score":-0.0689968466758728},{"text":"No.","start":31.06,"end":31.3,"sentiment":"neutral","sentiment_score":-0.11955307424068452},{"text":"That's understandable.","start":31.3,"end":32.12,"sentiment":"neutral","sentiment_score":-0.09536543115973473},{"text":"That's absolutely fine.","start":32.18,"end":33.059998,"sentiment":"neutral","sentiment_score":0.1783712108929952},{"text":"That's why we always try to give you a call.","start":33.059998,"end":34.82,"sentiment":"neutral","sentiment_score":0.07131923958659173}],"sentiment":"neutral","sentiment_score":0.05111913207699271,"num_words":17,"start":29.06,"end":34.82},{"sentences":[{"text":"And if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back.","start":34.82,"end":41.635002,"sentiment":"neutral","sentiment_score":0.04657262514400132},{"text":"And thank you so much for giving us a callback.","start":41.635002,"end":44.055,"sentiment":"positive","sentiment_score":0.36701900511980057},{"text":"Do you have some time now just to run through your interview, have a bit of a chat, and see how things are going for you?","start":44.595,"end":49.86,"sentiment":"neutral","sentiment_score":0.09321537800133228},{"text":"Yeah.","start":51.06,"end":51.56,"sentiment":"neutral","sentiment_score":0.1272536963224411},{"text":"Fantastic.","start":51.7,"end":52.2,"sentiment":"positive","sentiment_score":0.5419360995292664}],"sentiment":"neutral","sentiment_score":0.1159229018052833,"num_words":72,"start":34.82,"end":52.2},{"sentences":[{"text":"All good.","start":52.66,"end":53.06,"sentiment":"positive","sentiment_score":0.46717894077301025},{"text":"Now we do send out some annual review packs to you as well just for the documents that we are going through.","start":53.06,"end":58.04,"sentiment":"neutral","sentiment_score":0.16875394128940321},{"text":"Essentially, we're just gonna get my admin team member to kinda send those through to you just to email it through.","start":58.74,"end":65.494995,"sentiment":"neutral","sentiment_score":0.11818402189584006},{"text":"Are you able to look at your emails at the moment, or you prefer just to run through things and have a look at the master?","start":65.494995,"end":70.475,"sentiment":"neutral","sentiment_score":0.060452507952084907},{"text":"That's okay.","start":76.07,"end":76.549995,"sentiment":"neutral","sentiment_score":0.05994100123643875}],"sentiment":"neutral","sentiment_score":0.12082816793085778,"num_words":73,"start":52.66,"end":76.549995},{"sentences":[{"text":"It's completely up to you.","start":76.549995,"end":77.67,"sentiment":"neutral","sentiment_score":0.07305140271782876},{"text":"You're welcome to have a bit of a look later, and we can kinda go go through things now.","start":77.67,"end":81.27,"sentiment":"neutral","sentiment_score":0.17635496588129745},{"text":"Do you want us to make it easier on you?","start":81.27,"end":83.03,"sentiment":"neutral","sentiment_score":0.06890003643929958},{"text":"I know you've had a a fun time with technology already this morning.","start":83.03,"end":86.81,"sentiment":"neutral","sentiment_score":0.12799349885720473},{"text":"All good.","start":89.83,"end":90.57,"sentiment":"neutral","sentiment_score":0.16801360249519348}],"sentiment":"neutral","sentiment_score":0.13071315142573142,"num_words":49,"start":76.549995,"end":90.57},{"sentences":[{"text":"Easy.","start":91.565,"end":91.965004,"sentiment":"neutral","sentiment_score":0.14342398941516876},{"text":"Just as hard to get in your review before you kinda jump into things there, Darren.","start":91.965004,"end":95.245,"sentiment":"neutral","sentiment_score":-0.06317284455872141},{"text":"Is there anything particularly question wise you might have for us or anything specific you wanted me to sort of touch base on for you?","start":95.245,"end":101.425,"sentiment":"neutral","sentiment_score":0.026739780940115452},{"text":"Oh, fantastic.","start":104.86,"end":105.840004,"sentiment":"positive","sentiment_score":0.6110667437314987},{"text":"Excellent.","start":106.46,"end":106.96,"sentiment":"positive","sentiment_score":0.6173596382141113}],"sentiment":"neutral","sentiment_score":0.03645880279234714,"num_words":45,"start":91.565,"end":106.96},{"sentences":[{"text":"Oh, is that for your Netwealth yeah.","start":120.075005,"end":121.755005,"sentiment":"neutral","sentiment_score":0.01655592809298209},{"text":"Superfund?","start":121.755005,"end":122.255005,"sentiment":"neutral","sentiment_score":0.024567890912294388},{"text":"Yeah.","start":124.475,"end":124.875,"sentiment":"neutral","sentiment_score":0.054425738751888275},{"text":"You will.","start":124.875,"end":125.355,"sentiment":"neutral","sentiment_score":0.0732022188603878},{"text":"I'll give I'll give you the balance now.","start":125.355,"end":127.375,"sentiment":"neutral","sentiment_score":0.06576955365017056}],"sentiment":"neutral","sentiment_score":0.04565505227564197,"num_words":19,"start":120.075005,"end":127.375},{"sentences":[{"text":"So your balance as of the July 7, which is when we did the documents up for you, is 744,370 and 40¢.","start":127.675,"end":136.0,"sentiment":"neutral","sentiment_score":0.04701231934484981},{"text":"Yeah.","start":138.14,"end":138.64,"sentiment":"neutral","sentiment_score":0.061770156025886536},{"text":"Fantastic.","start":142.875,"end":143.375,"sentiment":"neutral","sentiment_score":0.14964090287685394},{"text":"No.","start":144.875,"end":145.27501,"sentiment":"neutral","sentiment_score":-0.06881292164325714},{"text":"Oh, good.","start":145.27501,"end":145.85501,"sentiment":"neutral","sentiment_score":0.14687024801969528}],"sentiment":"neutral","sentiment_score":0.05475374382848923,"num_words":27,"start":127.675,"end":145.85501},{"sentences":[{"text":"It is.","start":146.71501,"end":147.35501,"sentiment":"neutral","sentiment_score":0.12483008205890657},{"text":"It is.","start":147.35501,"end":147.675,"sentiment":"neutral","sentiment_score":0.08831243589520454},{"text":"So now you have fully finished work.","start":147.675,"end":149.93501,"sentiment":"neutral","sentiment_score":0.06618571813617434},{"text":"Are you wanting to maybe start drawing a pension out of your super?","start":150.15501,"end":153.535,"sentiment":"neutral","sentiment_score":0.04537136422900053},{"text":"Yep.","start":154.8,"end":155.12,"sentiment":"neutral","sentiment_score":0.07749246060848236}],"sentiment":"neutral","sentiment_score":0.06227621033787727,"num_words":25,"start":146.71501,"end":155.12},{"sentences":[{"text":"Yep.","start":155.12,"end":155.36,"sentiment":"neutral","sentiment_score":0.17782244086265564},{"text":"Beautiful.","start":155.36,"end":155.84,"sentiment":"neutral","sentiment_score":0.1565597951412201},{"text":"And just double checking.","start":155.84,"end":156.87999,"sentiment":"neutral","sentiment_score":0.10023854486644268},{"text":"So age, you're 61 this year in November, so 60 now?","start":156.87999,"end":160.66,"sentiment":"neutral","sentiment_score":0.027376413176005535},{"text":"Yep.","start":162.16,"end":162.56,"sentiment":"neutral","sentiment_score":0.11135497689247131}],"sentiment":"neutral","sentiment_score":0.06376844096100992,"num_words":18,"start":155.12,"end":162.56},{"sentences":[{"text":"Beautiful.","start":162.56,"end":163.06,"sentiment":"neutral","sentiment_score":0.07302042096853256},{"text":"And how long ago did you finish work?","start":163.28,"end":165.45999,"sentiment":"neutral","sentiment_score":0.01536694064270705},{"text":"Oh, fantastic.","start":170.89499,"end":171.795,"sentiment":"neutral","sentiment_score":0.13428830355405807},{"text":"Did you get any kind of, like, long service leave, sick leave not sick leave, but long service leave or annual leave kinda paid out to give you a bit of a buffer before that pension sort of starts?","start":172.33499,"end":181.31,"sentiment":"neutral","sentiment_score":0.024568033524048634},{"text":"Or how long do you think before you would need to start receiving a 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okay.","start":217.03499,"end":217.855,"sentiment":"neutral","sentiment_score":-0.023950010538101196},{"text":"Yeah.","start":227.37,"end":227.87,"sentiment":"neutral","sentiment_score":0.160726398229599},{"text":"Okay.","start":237.29,"end":237.79,"sentiment":"neutral","sentiment_score":0.12247118353843688}],"sentiment":"neutral","sentiment_score":-0.01681827505429586,"num_words":6,"start":216.315,"end":237.79},{"sentences":[{"text":"So you're still having a little bit of money.","start":239.29,"end":241.62999,"sentiment":"neutral","sentiment_score":0.153455494178666},{"text":"Yeah.","start":243.375,"end":243.875,"sentiment":"neutral","sentiment_score":0.035600364208221436},{"text":"Yep.","start":244.895,"end":245.395,"sentiment":"neutral","sentiment_score":0.13931813836097717},{"text":"No.","start":246.015,"end":246.175,"sentiment":"neutral","sentiment_score":-0.05360867828130722},{"text":"That's okay.","start":246.175,"end":246.895,"sentiment":"neutral","sentiment_score":0.07572159916162491}],"sentiment":"neutral","sentiment_score":0.1181323193013668,"num_words":14,"start":239.29,"end":246.895},{"sentences":[{"text":"How much do you think you're gonna need to draw out a super on a weekly, fortnightly, or monthly basis to live on?","start":246.895,"end":252.115,"sentiment":"neutral","sentiment_score":0.03260236043159081},{"text":"Mhmm.","start":261.55002,"end":262.03,"sentiment":"neutral","sentiment_score":0.014290950261056423},{"text":"If we do a wing for you.","start":262.03,"end":263.87,"sentiment":"neutral","sentiment_score":0.05508548500282424},{"text":"So what we'll do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented.","start":263.87,"end":270.53,"sentiment":"neutral","sentiment_score":0.1592386061394656},{"text":"I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like.","start":270.935,"end":276.29498,"sentiment":"neutral","sentiment_score":0.12017056572696437}],"sentiment":"neutral","sentiment_score":0.10139640756411317,"num_words":81,"start":246.895,"end":276.29498},{"sentences":[{"text":"We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit.","start":276.29498,"end":283.2,"sentiment":"neutral","sentiment_score":0.13579770177602768},{"text":"We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along.","start":284.0,"end":297.30002,"sentiment":"positive","sentiment_score":0.35062358671656024},{"text":"And then it does take about a week for the super funds to move into pension 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you.","start":302.135,"end":316.03,"sentiment":"neutral","sentiment_score":0.03427425061105466},{"text":"Okay.","start":322.81,"end":323.31,"sentiment":"neutral","sentiment_score":-0.014022968709468842}],"sentiment":"neutral","sentiment_score":0.16901523933457813,"num_words":139,"start":276.29498,"end":323.31},{"sentences":[{"text":"Yep.","start":328.425,"end":328.925,"sentiment":"neutral","sentiment_score":-0.051741667091846466},{"text":"Yeah.","start":335.94498,"end":336.425,"sentiment":"neutral","sentiment_score":-0.06007658690214157},{"text":"Absolutely.","start":336.425,"end":336.925,"sentiment":"neutral","sentiment_score":-0.09353874623775482},{"text":"Okay.","start":338.69,"end":339.19,"sentiment":"neutral","sentiment_score":0.020727459341287613},{"text":"Not a problem.","start":340.05,"end":340.87,"sentiment":"neutral","sentiment_score":0.18190615872542062}],"sentiment":"neutral","sentiment_score":0.051584133612258096,"num_words":7,"start":328.425,"end":340.87},{"sentences":[{"text":"Easy done.","start":341.09,"end":341.97,"sentiment":"neutral","sentiment_score":0.29244600236415863},{"text":"So, realistically, we can have this advice sort of updated for you.","start":341.97,"end":346.47,"sentiment":"neutral","sentiment_score":0.2302164447804292},{"text":"I would probably say around about maybe two weeks to get that done with the sort of advice that we're looking at.","start":346.53,"end":352.805,"sentiment":"neutral","sentiment_score":0.08846984363415024},{"text":"So we're at the eighth now.","start":352.805,"end":354.885,"sentiment":"neutral","sentiment_score":0.061496088902155556},{"text":"Next week's the fifteenth.","start":354.885,"end":356.085,"sentiment":"neutral","sentiment_score":0.0576526103541255}],"sentiment":"neutral","sentiment_score":0.12811767123639584,"num_words":46,"start":341.09,"end":356.085},{"sentences":[{"text":"If we maybe hook it in for Wednesday, the twenty second or Thursday, the twenty third, would that be okay that's in two weeks' time?","start":356.085,"end":363.545,"sentiment":"neutral","sentiment_score":0.06041900470852852},{"text":"Yep.","start":364.86002,"end":365.36002,"sentiment":"neutral","sentiment_score":0.15951672196388245},{"text":"What sort of time of day is better for yourself to have that that call?","start":365.82,"end":369.9,"sentiment":"neutral","sentiment_score":0.08180165042479833},{"text":"Did you want sort of early in the morning or in the afternoon?","start":369.9,"end":372.72,"sentiment":"neutral","sentiment_score":0.027956210506650116},{"text":"I We can.","start":375.34,"end":377.085,"sentiment":"neutral","sentiment_score":0.04759732261300087}],"sentiment":"neutral","sentiment_score":0.05970595263990394,"num_words":57,"start":356.085,"end":377.085},{"sentences":[{"text":"Yeah.","start":377.085,"end":377.325,"sentiment":"neutral","sentiment_score":0.06227238476276398},{"text":"It would need to be on the Thursday, the twenty third, because that's when I have that time frame available.","start":377.325,"end":381.745,"sentiment":"neutral","sentiment_score":0.05457230163738132},{"text":"So I'll pop it in there for you for 08:30 on the twenty third for your statement of advice, Yeah.","start":381.885,"end":388.545,"sentiment":"neutral","sentiment_score":0.07441124636679888},{"text":"'20 July 3 at 08:30.","start":392.4,"end":394.24,"sentiment":"neutral","sentiment_score":0.01946793422102928},{"text":"Yeah.","start":394.24,"end":394.74,"sentiment":"neutral","sentiment_score":0.06382443010807037}],"sentiment":"neutral","sentiment_score":0.05964058395871456,"num_words":47,"start":377.085,"end":394.74},{"sentences":[{"text":"Beautiful.","start":396.8,"end":397.3,"sentiment":"positive","sentiment_score":0.3510984182357788},{"text":"Okay.","start":404.495,"end":404.995,"sentiment":"neutral","sentiment_score":0.02271747589111328},{"text":"So 1,200 per week is what's needed for living expenses.","start":407.295,"end":410.755,"sentiment":"neutral","sentiment_score":0.013299687905237079},{"text":"Beautiful.","start":410.895,"end":411.295,"sentiment":"neutral","sentiment_score":0.251478910446167},{"text":"Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything like that?","start":411.295,"end":420.62,"sentiment":"neutral","sentiment_score":-0.0006647578557021916}],"sentiment":"neutral","sentiment_score":0.016378209605399104,"num_words":45,"start":396.8,"end":420.62},{"sentences":[{"text":"Okay.","start":426.59998,"end":427.095,"sentiment":"neutral","sentiment_score":0.015298768877983092},{"text":"Get all that sorted for you.","start":441.99,"end":443.43,"sentiment":"neutral","sentiment_score":0.034163820246855416},{"text":"Yeah.","start":443.43,"end":443.90997,"sentiment":"neutral","sentiment_score":0.12503452599048617},{"text":"Absolutely.","start":443.90997,"end":444.40997,"sentiment":"neutral","sentiment_score":0.21491187810897827},{"text":"Absolutely.","start":444.94998,"end":445.44998,"sentiment":"neutral","sentiment_score":0.14990562200546265}],"sentiment":"neutral","sentiment_score":0.07101337164640427,"num_words":10,"start":426.59998,"end":445.44998},{"sentences":[{"text":"Yeah.","start":453.045,"end":453.545,"sentiment":"neutral","sentiment_score":0.0472378209233284},{"text":"Absolutely.","start":453.765,"end":454.265,"sentiment":"neutral","sentiment_score":0.11401242762804031},{"text":"That was 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down extra lump sums outside of your normal pension payments.","start":489.025,"end":499.00998,"sentiment":"neutral","sentiment_score":0.14202540692610618},{"text":"We'll still review the super with you, see how it's working, review your pension payments with you every year, look at your risk level to make sure you're invested correctly, and check your investments.","start":499.62997,"end":508.805,"sentiment":"neutral","sentiment_score":0.1789328649859218},{"text":"Because as much as you're sort of, you know, retiring now and moving into that pension phase, you still have longevity.","start":508.805,"end":515.305,"sentiment":"positive","sentiment_score":0.3389367163181305}],"sentiment":"neutral","sentiment_score":0.19478165014159113,"num_words":105,"start":485.585,"end":515.305},{"sentences":[{"text":"You know, you're only 60.","start":515.525,"end":516.905,"sentiment":"neutral","sentiment_score":0.23148806691169738},{"text":"So most people spend ten, twenty, thirty, or even forty odd 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now?","start":596.415,"end":603.18,"sentiment":"neutral","sentiment_score":-0.020274493292990057}],"sentiment":"neutral","sentiment_score":-0.01313965926291766,"num_words":27,"start":590.57495,"end":603.18},{"sentences":[{"text":"Yeah.","start":605.56,"end":606.06,"sentiment":"neutral","sentiment_score":-0.0436907634139061},{"text":"That's what I thought.","start":608.68,"end":609.64,"sentiment":"neutral","sentiment_score":-0.13014592602849007},{"text":"I've been it must have just missing a zero in there from your review last year, and that's okay.","start":609.64,"end":613.72,"sentiment":"neutral","sentiment_score":-0.190040604260407},{"text":"I'll just pop that in there.","start":613.72,"end":615.075,"sentiment":"neutral","sentiment_score":0.0038348698144545774},{"text":"So two 150,000 on the 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alright.","start":640.975,"end":641.835,"sentiment":"neutral","sentiment_score":-0.0006593897705897689}],"sentiment":"neutral","sentiment_score":0.07033242382398196,"num_words":29,"start":630.92,"end":641.835},{"sentences":[{"text":"Yep.","start":650.615,"end":651.115,"sentiment":"neutral","sentiment_score":0.0012820325791835785},{"text":"Yeah.","start":651.895,"end":652.395,"sentiment":"neutral","sentiment_score":0.001973112113773823},{"text":"Okay.","start":656.31,"end":656.70996,"sentiment":"neutral","sentiment_score":0.09451515227556229},{"text":"Perfect.","start":656.70996,"end":657.20996,"sentiment":"neutral","sentiment_score":0.23714470863342285},{"text":"So we'll sell I'll just note down here.","start":657.82996,"end":659.75,"sentiment":"neutral","sentiment_score":0.08538432791829109}],"sentiment":"neutral","sentiment_score":0.0848324690790226,"num_words":12,"start":650.615,"end":659.75},{"sentences":[{"text":"So we're gonna sell the RAV later this year, about 45,000 of value on that one.","start":659.75,"end":665.26996,"sentiment":"neutral","sentiment_score":0.08498607482761145},{"text":"There's no debt on the RAV.","start":665.26996,"end":666.38995,"sentiment":"neutral","sentiment_score":0.03122200444340706},{"text":"It's owned outright.","start":666.38995,"end":667.52997,"sentiment":"neutral","sentiment_score":0.03918819005290667},{"text":"Yep.","start":669.435,"end":669.915,"sentiment":"neutral","sentiment_score":0.0824807733297348},{"text":"Beautiful.","start":669.915,"end":670.415,"sentiment":"neutral","sentiment_score":0.2874375581741333}],"sentiment":"neutral","sentiment_score":0.07535526390980792,"num_words":27,"start":659.75,"end":670.415},{"sentences":[{"text":"And the value of the so the car that you had valued at 60,000, it's a cruiser.","start":670.555,"end":675.135,"sentiment":"neutral","sentiment_score":0.08381223810069702},{"text":"Yep.","start":678.875,"end":679.275,"sentiment":"neutral","sentiment_score":0.09918715804815292},{"text":"Perfect.","start":679.275,"end":679.775,"sentiment":"neutral","sentiment_score":0.23085951805114743},{"text":"Land Cruiser.","start":680.18,"end":680.66,"sentiment":"neutral","sentiment_score":0.15583428740501404},{"text":"Beautiful.","start":680.66,"end":681.16,"sentiment":"neutral","sentiment_score":0.2734830975532532}],"sentiment":"neutral","sentiment_score":0.10636392709883777,"num_words":22,"start":670.555,"end":681.16},{"sentences":[{"text":"And the vehicle that you valued at 160,000, what kind of car is that?","start":681.38,"end":685.48,"sentiment":"neutral","sentiment_score":0.0505030703331743},{"text":"Land Cruiser 300.","start":690.25995,"end":692.44,"sentiment":"neutral","sentiment_score":0.04211702197790146},{"text":"Beautiful.","start":692.74,"end":693.24,"sentiment":"neutral","sentiment_score":0.22500330209732056},{"text":"And are you planning to keep the other two Land Cruisers?","start":693.815,"end":695.975,"sentiment":"neutral","sentiment_score":0.04152900031344457},{"text":"Are you looking to maybe just keep one of those?","start":695.975,"end":698.15497,"sentiment":"neutral","sentiment_score":0.013197355065494775}],"sentiment":"neutral","sentiment_score":0.042235638635853924,"num_words":39,"start":681.38,"end":698.15497},{"sentences":[{"text":"Yep.","start":703.33496,"end":703.83496,"sentiment":"neutral","sentiment_score":0.03711353242397308},{"text":"Yep.","start":703.975,"end":704.375,"sentiment":"neutral","sentiment_score":0.04996900260448456},{"text":"Beautiful.","start":704.375,"end":704.875,"sentiment":"neutral","sentiment_score":0.23640400171279907},{"text":"Fantastic.","start":705.095,"end":705.595,"sentiment":"positive","sentiment_score":0.3936653435230255},{"text":"Yeah.","start":707.38,"end":707.7,"sentiment":"neutral","sentiment_score":0.08897677063941956}],"sentiment":"neutral","sentiment_score":0.16122573018074035,"num_words":5,"start":703.33496,"end":707.7},{"sentences":[{"text":"Absolutely.","start":707.7,"end":708.2,"sentiment":"neutral","sentiment_score":0.11348190158605576},{"text":"And your main primary residence assets value on that one we had last year was about 1,200,000.","start":708.74,"end":714.02,"sentiment":"neutral","sentiment_score":0.05666265088845702},{"text":"Would you change or alter that valuation?","start":714.02,"end":715.96,"sentiment":"neutral","sentiment_score":0.023558744362422397},{"text":"Is that fairly accurate still?","start":716.02,"end":717.72003,"sentiment":"neutral","sentiment_score":0.024932805448770523},{"text":"Yeah.","start":720.835,"end":721.335,"sentiment":"neutral","sentiment_score":-0.05302102863788605}],"sentiment":"neutral","sentiment_score":0.042364554059120915,"num_words":31,"start":707.7,"end":721.335},{"sentences":[{"text":"Wow.","start":728.515,"end":728.995,"sentiment":"neutral","sentiment_score":0.0024047773331403732},{"text":"Really?","start":728.995,"end":729.495,"sentiment":"neutral","sentiment_score":-0.015569766983389854},{"text":"Let me just pop the address on.","start":731.08997,"end":733.19,"sentiment":"neutral","sentiment_score":0.14664579715047563},{"text":"I mean, that's gonna be that's gonna be really good.","start":734.52997,"end":737.64996,"sentiment":"neutral","sentiment_score":0.32865641098469495},{"text":"Yeah.","start":737.64996,"end":738.05,"sentiment":"positive","sentiment_score":0.4153498411178589}],"sentiment":"neutral","sentiment_score":0.23576347706839443,"num_words":20,"start":728.515,"end":738.05},{"sentences":[{"text":"Absolutely.","start":738.05,"end":738.55,"sentiment":"positive","sentiment_score":0.531464695930481},{"text":"Yeah.","start":741.88995,"end":742.29,"sentiment":"neutral","sentiment_score":0.31957951188087463},{"text":"Nice.","start":742.29,"end":742.79,"sentiment":"positive","sentiment_score":0.5606666803359985},{"text":"I'm just sort of having a quick look at some of the valuations.","start":743.575,"end":747.035,"sentiment":"neutral","sentiment_score":0.08655070929000011},{"text":"I mean, people will pay, won't they?","start":749.095,"end":751.65497,"sentiment":"neutral","sentiment_score":-0.0454953419310706}],"sentiment":"neutral","sentiment_score":0.09645229197390702,"num_words":23,"start":738.05,"end":751.65497},{"sentences":[{"text":"Especially at the moment.","start":751.65497,"end":752.955,"sentiment":"neutral","sentiment_score":-0.07623143121600151},{"text":"It's saying here, rough valuation, mid $9.30, high, 1.06 mil.","start":754.21497,"end":763.79,"sentiment":"neutral","sentiment_score":-0.01902205990627408},{"text":"But let me just double check.","start":764.41,"end":766.26996,"sentiment":"neutral","sentiment_score":-0.05459055925408999},{"text":"Yeah.","start":776.025,"end":776.505,"sentiment":"neutral","sentiment_score":-0.0754144936800003},{"text":"No.","start":776.505,"end":776.905,"sentiment":"neutral","sentiment_score":-0.23630866408348083}],"sentiment":"neutral","sentiment_score":-0.05156421987339854,"num_words":22,"start":751.65497,"end":776.905},{"sentences":[{"text":"No.","start":776.905,"end":777.225,"sentiment":"neutral","sentiment_score":-0.2610633671283722},{"text":"Definitely.","start":777.225,"end":777.725,"sentiment":"neutral","sentiment_score":-0.19716672599315643},{"text":"I mean, was looking at where you are, it's not a bad place.","start":778.505,"end":781.725,"sentiment":"neutral","sentiment_score":-0.19261174763624483},{"text":"It's not a bad house where you're at.","start":783.48,"end":785.42,"sentiment":"neutral","sentiment_score":0.2793622873723507},{"text":"Good location.","start":787.63995,"end":788.45996,"sentiment":"positive","sentiment_score":0.3986906111240387}],"sentiment":"neutral","sentiment_score":0.002803868353366852,"num_words":25,"start":776.905,"end":788.45996},{"sentences":[{"text":"Yeah.","start":789.48,"end":789.98,"sentiment":"neutral","sentiment_score":0.05186747759580612},{"text":"Yep.","start":793.07996,"end":793.57996,"sentiment":"neutral","sentiment_score":0.013558904640376568},{"text":"Yeah.","start":805.495,"end":805.975,"sentiment":"neutral","sentiment_score":0.052485715597867966},{"text":"Definitely.","start":805.975,"end":806.475,"sentiment":"neutral","sentiment_score":0.12738308310508728},{"text":"Yeah.","start":809.01,"end":809.51,"sentiment":"neutral","sentiment_score":0.025512905791401863}],"sentiment":"neutral","sentiment_score":0.05416161734610796,"num_words":5,"start":789.48,"end":809.51},{"sentences":[{"text":"Yeah.","start":809.73004,"end":809.97003,"sentiment":"neutral","sentiment_score":0.0030091870576143265},{"text":"No.","start":809.97003,"end":810.29004,"sentiment":"neutral","sentiment_score":-0.0767902284860611},{"text":"I mean, look.","start":810.29004,"end":811.01,"sentiment":"neutral","sentiment_score":-0.051544042925039925},{"text":"On this, 1.6 doesn't sound very far off.","start":811.01,"end":814.37006,"sentiment":"neutral","sentiment_score":-0.12315906304866076},{"text":"Did you want me to increase the value there to one point six?","start":814.37006,"end":817.35004,"sentiment":"neutral","sentiment_score":-0.06997079187287734}],"sentiment":"neutral","sentiment_score":-0.08166561419000992,"num_words":26,"start":809.73004,"end":817.35004},{"sentences":[{"text":"No?","start":817.81,"end":818.31,"sentiment":"neutral","sentiment_score":-0.0461583137512207},{"text":"Yeah.","start":821.30505,"end":821.385,"sentiment":"neutral","sentiment_score":0.05819205194711685},{"text":"That's okay.","start":821.385,"end":822.28503,"sentiment":"neutral","sentiment_score":0.21154603362083435},{"text":"It's gotta be what you're comfortable with.","start":822.42505,"end":823.945,"sentiment":"neutral","sentiment_score":0.14592889909233367},{"text":"I mean, it's just a sort of an estimated value based on, you know, what you value your property at.","start":823.945,"end":828.825,"sentiment":"neutral","sentiment_score":0.056643391586840154}],"sentiment":"neutral","sentiment_score":0.08353212680066785,"num_words":31,"start":817.81,"end":828.825},{"sentences":[{"text":"Not saying that you're gonna sell up to this much money, but, realistically, when you think about how much properties have grown, someone probably you know, and where you're located especially, I mean, you could get a pretty penny for it.","start":828.825,"end":842.02997,"sentiment":"neutral","sentiment_score":0.02096710876538986},{"text":"But you're retired now, so you'll get to enjoy the view every day and not have to go to work.","start":842.02997,"end":846.69,"sentiment":"neutral","sentiment_score":0.3128038965165615},{"text":"No.","start":849.59503,"end":849.915,"sentiment":"neutral","sentiment_score":0.10972356796264648},{"text":"Excellent.","start":849.915,"end":850.415,"sentiment":"positive","sentiment_score":0.4548892378807068},{"text":"Is there any other assets or liabilities that we haven't got on file?","start":851.03503,"end":854.635,"sentiment":"neutral","sentiment_score":0.04486182991128702}],"sentiment":"neutral","sentiment_score":0.10873086821581972,"num_words":76,"start":828.825,"end":854.635},{"sentences":[{"text":"Do you have any large credit cards or personal loans or debts that we need to note down at all?","start":854.635,"end":859.615,"sentiment":"neutral","sentiment_score":0.0029629224445670843},{"text":"Nope.","start":861.77,"end":862.09,"sentiment":"neutral","sentiment_score":-0.021866826340556145},{"text":"That's okay.","start":862.09,"end":862.99,"sentiment":"neutral","sentiment_score":0.10228502750396729},{"text":"I'm just updating your asset and made it income.","start":863.69,"end":866.17004,"sentiment":"neutral","sentiment_score":0.1513473532266087},{"text":"So we'll start with $1,200 per week in income for you to be drawn down from super.","start":866.17004,"end":872.91003,"sentiment":"neutral","sentiment_score":0.09005554392933846}],"sentiment":"neutral","sentiment_score":0.06398024700810107,"num_words":49,"start":854.635,"end":872.91003},{"sentences":[{"text":"We don't need any additional lump sums at the moment, but in this time between now and into which time we present the advice, if that changes, just let me know.","start":873.675,"end":881.115,"sentiment":"neutral","sentiment_score":0.03468673502004916},{"text":"I can always go back and update and change it for you.","start":881.115,"end":884.495,"sentiment":"neutral","sentiment_score":0.15081818463901678},{"text":"Income wise, I'm just changing that to zero because you are officially now retired, which is fantastic.","start":886.04,"end":891.25995,"sentiment":"neutral","sentiment_score":0.27298950009486256},{"text":"And now I've got down here that your sorry.","start":893.87994,"end":897.63995,"sentiment":"neutral","sentiment_score":-0.04944494263165527},{"text":"You've entered the fact that a relationship, Your partner is Bernice.","start":897.63995,"end":901.735,"sentiment":"neutral","sentiment_score":-0.08395746519619768}],"sentiment":"neutral","sentiment_score":0.07696739877574146,"num_words":80,"start":873.675,"end":901.735},{"sentences":[{"text":"Is that right?","start":901.735,"end":902.555,"sentiment":"neutral","sentiment_score":-0.013371890721221765},{"text":"Yeah.","start":904.055,"end":904.45496,"sentiment":"neutral","sentiment_score":0.08564253151416779},{"text":"Lovely.","start":904.45496,"end":904.855,"sentiment":"neutral","sentiment_score":0.20550306141376495},{"text":"Is she retired as well, or is she still working?","start":904.855,"end":907.355,"sentiment":"neutral","sentiment_score":0.010029298439621925},{"text":"Oh, I'm so sorry.","start":911.33496,"end":912.63495,"sentiment":"neutral","sentiment_score":-0.15051157772541046}],"sentiment":"neutral","sentiment_score":-0.013195968723218692,"num_words":19,"start":901.735,"end":912.63495},{"sentences":[{"text":"Yeah.","start":914.93,"end":915.43,"sentiment":"neutral","sentiment_score":-0.03243660181760788},{"text":"Yep.","start":916.85,"end":917.35,"sentiment":"neutral","sentiment_score":0.0014892047038301826},{"text":"Oh, so unlike an income protection 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just taking all of the super contributions out.","start":958.41504,"end":961.055,"sentiment":"positive","sentiment_score":0.36737168497509426},{"text":"So you're not expecting any additional contributions from your employer over the next two weeks.","start":961.055,"end":966.14996,"sentiment":"neutral","sentiment_score":0.11438324799140294},{"text":"They will have made all the contributions required for you finishing up on work.","start":966.14996,"end":970.17,"sentiment":"neutral","sentiment_score":0.22371474547045572},{"text":"Oh, they should send you yeah.","start":977.685,"end":985.525,"sentiment":"neutral","sentiment_score":-0.09872006066143513}],"sentiment":"neutral","sentiment_score":0.1834944747388363,"num_words":45,"start":956.575,"end":985.525},{"sentences":[{"text":"Yeah.","start":985.525,"end":985.845,"sentiment":"neutral","sentiment_score":0.003388277254998684},{"text":"Because they definitely should provide you with, like, a final pay slip that, you know, outlines how much you've been paid out, what the taxation looked like, how much was put into super.","start":985.845,"end":995.0,"sentiment":"neutral","sentiment_score":0.02340241919525645},{"text":"Yeah.","start":995.14,"end":995.64,"sentiment":"neutral","sentiment_score":0.003491015173494816},{"text":"Yeah.","start":1001.94,"end":1002.26,"sentiment":"neutral","sentiment_score":-0.08402637392282486},{"text":"They're probably suffering a bit more than rest of us.","start":1002.26,"end":1004.68,"sentiment":"neutral","sentiment_score":-0.2737730756402016}],"sentiment":"neutral","sentiment_score":-0.044404304444627916,"num_words":46,"start":985.525,"end":1004.68},{"sentences":[{"text":"Yeah.","start":1008.145,"end":1008.645,"sentiment":"neutral","sentiment_score":-0.02049863524734974},{"text":"Oh, really?","start":1013.02496,"end":1014.005,"sentiment":"neutral","sentiment_score":-0.057010333985090256},{"text":"Wow.","start":1022.16003,"end":1022.56,"sentiment":"neutral","sentiment_score":-0.04080364108085632},{"text":"So you might get some back pay.","start":1022.56,"end":1024.3401,"sentiment":"neutral","sentiment_score":-0.0646770101572786},{"text":"No.","start":1038.255,"end":1038.735,"sentiment":"neutral","sentiment_score":-0.12231852114200592}],"sentiment":"neutral","sentiment_score":-0.06253171137844522,"num_words":12,"start":1008.145,"end":1038.735},{"sentences":[{"text":"Correct.","start":1038.735,"end":1039.235,"sentiment":"neutral","sentiment_score":-0.09196308255195618},{"text":"Yep.","start":1048.3601,"end":1048.8601,"sentiment":"neutral","sentiment_score":0.07523810863494873},{"text":"That's okay.","start":1048.92,"end":1049.8201,"sentiment":"neutral","sentiment_score":0.06664897501468658},{"text":"Yep.","start":1054.695,"end":1055.195,"sentiment":"neutral","sentiment_score":0.04581905156373978},{"text":"You might be able to.","start":1065.0149,"end":1066.615,"sentiment":"neutral","sentiment_score":0.004911527596414089}],"sentiment":"neutral","sentiment_score":0.018694966565817595,"num_words":10,"start":1038.735,"end":1066.615},{"sentences":[{"text":"They may or may not.","start":1066.615,"end":1067.495,"sentiment":"neutral","sentiment_score":-0.05860517621040344},{"text":"It really depends upon their rules.","start":1067.495,"end":1069.2749,"sentiment":"neutral","sentiment_score":-0.07417876521746318},{"text":"I yeah.","start":1070.79,"end":1072.2301,"sentiment":"neutral","sentiment_score":-0.0025563095696270466},{"text":"If you can find that out and let me know, see what they are willing to, are you wanting to have that, if possible, added into your soup, or are you sort of wanting to keep maybe some of that money in a bank account as a buffer?","start":1072.2301,"end":1083.2101,"sentiment":"neutral","sentiment_score":0.019676695538995165},{"text":"Okay.","start":1088.3551,"end":1088.8351,"sentiment":"neutral","sentiment_score":0.01883985474705696}],"sentiment":"neutral","sentiment_score":0.0035501636955286224,"num_words":62,"start":1066.615,"end":1088.8351},{"sentences":[{"text":"So that's two.","start":1088.8351,"end":1089.8151,"sentiment":"neutral","sentiment_score":0.0012530575816829994},{"text":"Yeah.","start":1092.1951,"end":1092.515,"sentiment":"neutral","sentiment_score":0.01424727775156498},{"text":"No.","start":1092.515,"end":1092.755,"sentiment":"neutral","sentiment_score":-0.022071462124586105},{"text":"That's okay.","start":1092.755,"end":1093.495,"sentiment":"neutral","sentiment_score":0.006364193162880838},{"text":"Yep.","start":1095.395,"end":1095.795,"sentiment":"neutral","sentiment_score":0.08161270618438721}],"sentiment":"neutral","sentiment_score":0.011284510110272095,"num_words":8,"start":1088.8351,"end":1095.795},{"sentences":[{"text":"Beautiful.","start":1095.795,"end":1096.1951,"sentiment":"positive","sentiment_score":0.5169905424118042},{"text":"And you've got about 80,000 in at the moment.","start":1096.1951,"end":1098.4551,"sentiment":"neutral","sentiment_score":0.20339649418989816},{"text":"Yeah.","start":1100.75,"end":1100.99,"sentiment":"neutral","sentiment_score":0.16669778525829315},{"text":"That's okay.","start":1100.99,"end":1101.79,"sentiment":"neutral","sentiment_score":0.2925669997930527},{"text":"Beautiful.","start":1101.79,"end":1102.29,"sentiment":"positive","sentiment_score":0.5221849083900452}],"sentiment":"neutral","sentiment_score":0.2586839773825237,"num_words":14,"start":1095.795,"end":1102.29},{"sentences":[{"text":"Yeah.","start":1103.31,"end":1103.71,"sentiment":"neutral","sentiment_score":0.16421405971050262},{"text":"I mean, that'll cover you for your holiday.","start":1103.71,"end":1105.65,"sentiment":"neutral","sentiment_score":0.2847754377871752},{"text":"It gives you a bit of a buffer in case large bills and things come up.","start":1105.71,"end":1108.75,"sentiment":"neutral","sentiment_score":0.19992807786911726},{"text":"You said you've got some rego and some things like that too, and then the plumbing bill coming in as well.","start":1108.75,"end":1114.19,"sentiment":"neutral","sentiment_score":0.12165586295582},{"text":"So having those sorts of things in the short term as a bit of a buffer is never a bad thing.","start":1114.19,"end":1119.115,"sentiment":"neutral","sentiment_score":0.2976779036578678}],"sentiment":"neutral","sentiment_score":0.21563098368360034,"num_words":67,"start":1103.31,"end":1119.115},{"sentences":[{"text":"And then if you find you need additional amounts over and above that, you have us as your advisers.","start":1119.495,"end":1124.075,"sentiment":"neutral","sentiment_score":0.11339968560557616},{"text":"We can draw money out as well so we can always look at helping you with that.","start":1124.1349,"end":1128.615,"sentiment":"neutral","sentiment_score":0.2205059659831664},{"text":"Okay?","start":1128.615,"end":1129.115,"sentiment":"neutral","sentiment_score":0.12591391801834106},{"text":"Beautiful.","start":1130.5,"end":1131.0,"sentiment":"positive","sentiment_score":0.7102629542350769},{"text":"Excellent.","start":1131.0599,"end":1131.54,"sentiment":"neutral","sentiment_score":0.06114601343870163}],"sentiment":"neutral","sentiment_score":0.1743722649720999,"num_words":39,"start":1119.495,"end":1131.54},{"sentences":[{"text":"So we've got a really good idea of where we're going and what the advice needs to look like, which is fantastic.","start":1131.54,"end":1135.72,"sentiment":"positive","sentiment_score":0.5943541757085107},{"text":"Now you are in Netwealth.","start":1136.34,"end":1137.7,"sentiment":"neutral","sentiment_score":0.07308974862098694},{"text":"You have been in Netwealth for quite some time.","start":1137.7,"end":1139.7,"sentiment":"neutral","sentiment_score":0.040709162337912455},{"text":"And look, as a platform, as a super fund.","start":1139.7,"end":1141.955,"sentiment":"neutral","sentiment_score":0.043883145683341555},{"text":"Netwealth is not by any means bad, but there are often cheaper super funds out there.","start":1141.955,"end":1146.615,"sentiment":"neutral","sentiment_score":0.041930378996767104}],"sentiment":"neutral","sentiment_score":0.24382717122674966,"num_words":61,"start":1131.54,"end":1146.615},{"sentences":[{"text":"Are you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension.","start":1146.995,"end":1159.16,"sentiment":"neutral","sentiment_score":0.05216786311939359},{"text":"Would you like me to review all those options for you?","start":1159.16,"end":1161.8201,"sentiment":"neutral","sentiment_score":0.036269640888680114},{"text":"Yep.","start":1163.56,"end":1164.06,"sentiment":"neutral","sentiment_score":0.2374703139066696},{"text":"Fantastic.","start":1164.12,"end":1164.62,"sentiment":"positive","sentiment_score":0.6074188947677612},{"text":"Now I did give you a balance.","start":1165.16,"end":1166.6,"sentiment":"positive","sentiment_score":0.46327161363192965}],"sentiment":"neutral","sentiment_score":0.10955785131081938,"num_words":60,"start":1146.995,"end":1166.6},{"sentences":[{"text":"So your balance is at $7.44 $3.70 and 40¢, which is great.","start":1166.6,"end":1171.18,"sentiment":"positive","sentiment_score":0.4360170852054249},{"text":"When we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well.","start":1171.7451,"end":1179.045,"sentiment":"positive","sentiment_score":0.42265331515899074},{"text":"Essentially, the net return after fees, you're up by 6.74%, which is fantastic.","start":1179.5851,"end":1185.3651,"sentiment":"positive","sentiment_score":0.5638866699658908},{"text":"Some people would prefer a dollar figure as opposed to a percent there, Darren.","start":1186.7001,"end":1190.38,"sentiment":"neutral","sentiment_score":0.19785844108888082},{"text":"So when I kind of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year.","start":1190.38,"end":1203.075,"sentiment":"neutral","sentiment_score":0.1885831067056367}],"sentiment":"neutral","sentiment_score":0.33102022203587994,"num_words":98,"start":1166.6,"end":1203.075},{"sentences":[{"text":"So it's a really good amount of growth that you have seen.","start":1203.075,"end":1206.595,"sentiment":"neutral","sentiment_score":0.22973397125800452},{"text":"A good good return.","start":1206.595,"end":1207.815,"sentiment":"neutral","sentiment_score":0.3127775192260742},{"text":"Yeah.","start":1208.115,"end":1208.615,"sentiment":"neutral","sentiment_score":0.12553638219833374},{"text":"I have sort of note one of your investments in there as well as everything's done really well in your app, which is great.","start":1209.875,"end":1216.295,"sentiment":"neutral","sentiment_score":0.12212914150829117},{"text":"But moving forward, one of your investments is underperforming a little bit.","start":1216.5599,"end":1220.3999,"sentiment":"neutral","sentiment_score":-0.24872173244754472}],"sentiment":"neutral","sentiment_score":0.07697910794390822,"num_words":53,"start":1203.075,"end":1220.3999},{"sentences":[{"text":"And whilst it hasn't really held your super back, I would like to maybe remove that for you.","start":1220.3999,"end":1225.46,"sentiment":"neutral","sentiment_score":-0.17455112602975634},{"text":"I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit.","start":1225.6,"end":1234.635,"sentiment":"neutral","sentiment_score":-0.25729690723378085},{"text":"You originally have the Bennelong Australian Equities investment in there.","start":1235.415,"end":1239.3351,"sentiment":"neutral","sentiment_score":0.003698178753256798},{"text":"That was meant to be more of an actively managed fund.","start":1239.3351,"end":1241.99,"sentiment":"neutral","sentiment_score":0.0033185901966961947},{"text":"So the investment manager of Bennelong is meant to be buying and selling investments and trying to outperform against the market.","start":1241.99,"end":1248.09,"sentiment":"neutral","sentiment_score":0.024118236931306974}],"sentiment":"neutral","sentiment_score":-0.11262428452878186,"num_words":89,"start":1220.3999,"end":1248.09},{"sentences":[{"text":"Unfortunately, they haven't been able to do so, and therefore, it has been underperforming a little bit there.","start":1248.47,"end":1254.015,"sentiment":"negative","sentiment_score":-0.5366489092508951},{"text":"So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe get rid of anything that's underperforming because you've now got longevity with your super paying you a pension.","start":1254.015,"end":1266.1951,"sentiment":"neutral","sentiment_score":-0.06083551832498648},{"text":"So we wanna make sure that you're not in any underperforming investments and review all of those.","start":1266.3351,"end":1271.51,"sentiment":"neutral","sentiment_score":-0.061577186317128295},{"text":"Does that make sense?","start":1271.51,"end":1272.39,"sentiment":"neutral","sentiment_score":0.0691676870919764},{"text":"Do you have any questions?","start":1272.39,"end":1273.53,"sentiment":"neutral","sentiment_score":0.010413081757724285}],"sentiment":"neutral","sentiment_score":-0.15361857339066554,"num_words":83,"start":1248.47,"end":1273.53},{"sentences":[{"text":"Yes.","start":1274.87,"end":1275.37,"sentiment":"neutral","sentiment_score":0.2473280131816864},{"text":"Fantastic.","start":1275.91,"end":1276.41,"sentiment":"positive","sentiment_score":0.6451528072357178},{"text":"The other thing to look at is the risk level there.","start":1277.51,"end":1279.59,"sentiment":"neutral","sentiment_score":-0.016415863890539516},{"text":"So having a look at things, you are and have been in more of that sort of growth environment over the last couple of years.","start":1279.59,"end":1285.45,"sentiment":"neutral","sentiment_score":-0.019708647429943084},{"text":"And being in that environment is not in any way, shape, or form bad.","start":1285.975,"end":1289.335,"sentiment":"neutral","sentiment_score":-0.0391865431198052}],"sentiment":"neutral","sentiment_score":-0.0063350283039303925,"num_words":52,"start":1274.87,"end":1289.335},{"sentences":[{"text":"It's actually really good when you're accumulating wealth.","start":1289.335,"end":1291.995,"sentiment":"neutral","sentiment_score":0.18724685348570347},{"text":"However, when you kinda go into that pension phase and you start drawing income out of your super, we often wanna look at maybe reducing the risk level and not having those large market fluctuations because we are drawing income out of our super.","start":1292.2949,"end":1305.41,"sentiment":"neutral","sentiment_score":-0.051369562237100166},{"text":"I just wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward.","start":1305.9501,"end":1317.105,"sentiment":"neutral","sentiment_score":0.10696040674350983},{"text":"Does that sound okay?","start":1317.105,"end":1318.245,"sentiment":"neutral","sentiment_score":0.14739284105598927},{"text":"Yep.","start":1319.425,"end":1319.925,"sentiment":"neutral","sentiment_score":0.13009825348854065}],"sentiment":"neutral","sentiment_score":0.0455668119713664,"num_words":100,"start":1289.335,"end":1319.925},{"sentences":[{"text":"Beautiful.","start":1319.985,"end":1320.485,"sentiment":"positive","sentiment_score":0.42660051584243774},{"text":"The first one in here is having a look.","start":1320.945,"end":1322.945,"sentiment":"neutral","sentiment_score":0.09013029932975769},{"text":"Have you ever owned, say, direct shares or investments in your own name before?","start":1322.945,"end":1326.725,"sentiment":"neutral","sentiment_score":0.02239932805033667},{"text":"Yeah.","start":1329.345,"end":1329.845,"sentiment":"neutral","sentiment_score":0.0013411547988653183},{"text":"No.","start":1346.085,"end":1346.405,"sentiment":"neutral","sentiment_score":-0.13503536581993103}],"sentiment":"neutral","sentiment_score":0.05452575351899633,"num_words":26,"start":1319.985,"end":1346.405},{"sentences":[{"text":"That's okay.","start":1346.405,"end":1347.465,"sentiment":"neutral","sentiment_score":-0.06373268365859985},{"text":"The next one is yeah.","start":1348.245,"end":1350.745,"sentiment":"neutral","sentiment_score":-0.021315498650074004},{"text":"That's alright.","start":1351.445,"end":1352.265,"sentiment":"neutral","sentiment_score":-0.01473464909940958},{"text":"The next question here is about inflation, and it says inflation means that things are getting more expensive over time.","start":1352.485,"end":1358.105,"sentiment":"neutral","sentiment_score":-0.1505861259996891},{"text":"We essentially know a 100 this year isn't worth a $100 next year because inflation eats away our buying power.","start":1358.46,"end":1364.48,"sentiment":"negative","sentiment_score":-0.35879193991422653}],"sentiment":"neutral","sentiment_score":-0.2132872138172388,"num_words":49,"start":1346.405,"end":1364.48},{"sentences":[{"text":"When you think about your super moving forward, are you comfortable taking on a higher level of risk to try and get greater potential returns through your retirement knowing that when we see market downtime because your balance is higher, you'll feel that effect?","start":1364.78,"end":1379.9349,"sentiment":"neutral","sentiment_score":-0.03780487916347655},{"text":"Or are you sort of comfortable with maybe a medium or moderate amount of risk to get the best returns you can trying to limit market fluctuations, or are you trying to reduce your risk as much as possible knowing the returns are gonna be lower as well?","start":1380.235,"end":1394.16,"sentiment":"neutral","sentiment_score":0.010156866628676653},{"text":"Where do you think you might fit?","start":1394.16,"end":1395.86,"sentiment":"neutral","sentiment_score":-0.025350640128765787},{"text":"It can do.","start":1405.215,"end":1405.935,"sentiment":"neutral","sentiment_score":-0.06508282447854678},{"text":"Absolutely.","start":1405.935,"end":1406.435,"sentiment":"neutral","sentiment_score":0.0870717391371727}],"sentiment":"neutral","sentiment_score":-0.014189478642876866,"num_words":103,"start":1364.78,"end":1406.435},{"sentences":[{"text":"Yeah.","start":1406.895,"end":1407.295,"sentiment":"neutral","sentiment_score":0.03898675739765167},{"text":"Yep.","start":1407.295,"end":1407.795,"sentiment":"neutral","sentiment_score":0.08512129634618759},{"text":"Yeah.","start":1413.23,"end":1413.55,"sentiment":"neutral","sentiment_score":-0.06013071909546852},{"text":"We moved you down to kind of that growth area, so stepping down a bit more gradually.","start":1413.55,"end":1417.73,"sentiment":"neutral","sentiment_score":-0.13469903477851083},{"text":"Yeah.","start":1418.03,"end":1418.53,"sentiment":"neutral","sentiment_score":-0.016231441870331764}],"sentiment":"neutral","sentiment_score":-0.10676846183126881,"num_words":21,"start":1406.895,"end":1418.53},{"sentences":[{"text":"Yes.","start":1425.9651,"end":1426.2051,"sentiment":"neutral","sentiment_score":0.0688534826040268},{"text":"Abs absolutely.","start":1426.2051,"end":1427.425,"sentiment":"neutral","sentiment_score":0.0678722895681858},{"text":"I'll put you in the middle.","start":1427.645,"end":1428.685,"sentiment":"neutral","sentiment_score":0.04672711653014024},{"text":"Not a problem at all.","start":1428.685,"end":1429.985,"sentiment":"neutral","sentiment_score":0.1915820837020874},{"text":"The next one here is asking, how would you feel in six months if you looked at your super and had fallen by 20%?","start":1430.365,"end":1436.77,"sentiment":"neutral","sentiment_score":-0.024642130360007286}],"sentiment":"neutral","sentiment_score":0.02240684344188163,"num_words":38,"start":1425.9651,"end":1436.77},{"sentences":[{"text":"Do you think about putting more money in, maybe taking advantage of the buying opportunity?","start":1436.77,"end":1440.7101,"sentiment":"neutral","sentiment_score":0.017189964652061462},{"text":"Are you more likely to hold and wait, hopefully, not having to draw more than the regular income amount and maybe call us and see what's going on with, you know, super and the markets in general?","start":1441.17,"end":1451.11,"sentiment":"neutral","sentiment_score":-0.009496020304190146},{"text":"Or are you feeling very concerned and maybe wanting to sell the investments and move money into cash for a bit of security?","start":1451.465,"end":1458.205,"sentiment":"neutral","sentiment_score":-0.12201043315555739},{"text":"How do you think you might be feeling?","start":1458.265,"end":1460.045,"sentiment":"neutral","sentiment_score":-0.010855107568204403},{"text":"Yep.","start":1463.385,"end":1463.885,"sentiment":"neutral","sentiment_score":0.2198285460472107}],"sentiment":"neutral","sentiment_score":-0.032937566173218545,"num_words":84,"start":1436.77,"end":1463.885},{"sentences":[{"text":"Beautiful.","start":1464.505,"end":1465.005,"sentiment":"positive","sentiment_score":0.48992085456848145},{"text":"Absolutely.","start":1467.57,"end":1468.07,"sentiment":"positive","sentiment_score":0.35489925742149353},{"text":"The next one here is asking about the reasonable rate of return you're trying to get.","start":1468.61,"end":1472.2899,"sentiment":"neutral","sentiment_score":0.1485258569009602},{"text":"Now even in our retirement years, we're generally trying to get the best returns we possibly can.","start":1472.2899,"end":1478.07,"sentiment":"neutral","sentiment_score":0.15061333424904766},{"text":"That's sort of what you're thinking.","start":1478.2899,"end":1479.57,"sentiment":"neutral","sentiment_score":0.050907366909086704}],"sentiment":"neutral","sentiment_score":0.148465968441309,"num_words":41,"start":1464.505,"end":1479.57},{"sentences":[{"text":"Try and get whatever, you know, possible returns you can to keep your sleep working as long as possible.","start":1479.57,"end":1484.465,"sentiment":"neutral","sentiment_score":0.30296337918231364},{"text":"Yeah.","start":1487.245,"end":1487.745,"sentiment":"positive","sentiment_score":0.45093291997909546},{"text":"All good.","start":1487.965,"end":1488.705,"sentiment":"positive","sentiment_score":0.6338246464729309},{"text":"The next one here is essentially, again, looking more at a dip.","start":1489.485,"end":1492.845,"sentiment":"neutral","sentiment_score":-0.04198696588476499},{"text":"So if you did sort of see the markets fall in the next few months or the next twelve months, how do you think you might be feeling?","start":1492.845,"end":1498.44,"sentiment":"neutral","sentiment_score":-0.041166936579559534}],"sentiment":"neutral","sentiment_score":0.09384465487974306,"num_words":62,"start":1479.57,"end":1498.44},{"sentences":[{"text":"Are you feeling optimistic about the market and the future investment opportunities?","start":1498.44,"end":1502.54,"sentiment":"neutral","sentiment_score":0.30205216507116955},{"text":"Are you a bit cautious because you are in pension phase and drawing an income, or are you feeling very concerned, you know, not wanting to sort of draw too much more out and hoping the market recovers fairly quickly?","start":1502.76,"end":1513.435,"sentiment":"neutral","sentiment_score":-0.27823309004306795},{"text":"Mhmm.","start":1520.2151,"end":1520.7151,"sentiment":"neutral","sentiment_score":-0.047034308314323425},{"text":"Yeah.","start":1520.775,"end":1521.21,"sentiment":"neutral","sentiment_score":-0.046754010021686554},{"text":"Yeah.","start":1527.77,"end":1528.25,"sentiment":"neutral","sentiment_score":-0.08304724842309952}],"sentiment":"neutral","sentiment_score":-0.13966423977505077,"num_words":55,"start":1498.44,"end":1528.25},{"sentences":[{"text":"No.","start":1528.25,"end":1528.75,"sentiment":"neutral","sentiment_score":-0.2670454978942871},{"text":"That's okay.","start":1529.21,"end":1530.09,"sentiment":"neutral","sentiment_score":-0.03761615604162217},{"text":"Do you think it might still be making you cautious, concerned, or anxious, or just fairly optimistic about, you know, the market coming back and recovering?","start":1530.09,"end":1536.9349,"sentiment":"neutral","sentiment_score":-0.04248538914208229},{"text":"How do you think you might feel in that instance?","start":1536.995,"end":1539.015,"sentiment":"neutral","sentiment_score":0.0311632601544261},{"text":"Yep.","start":1559.33,"end":1559.83,"sentiment":"neutral","sentiment_score":-0.026301085948944092}],"sentiment":"neutral","sentiment_score":-0.02903916030190885,"num_words":40,"start":1528.25,"end":1559.83},{"sentences":[{"text":"Yeah.","start":1562.465,"end":1562.625,"sentiment":"neutral","sentiment_score":-0.0295940563082695},{"text":"Okay.","start":1562.625,"end":1563.125,"sentiment":"neutral","sentiment_score":-0.0698649138212204},{"text":"Yeah.","start":1571.025,"end":1571.4249,"sentiment":"neutral","sentiment_score":0.09775206446647644},{"text":"Absolutely.","start":1571.4249,"end":1571.9249,"sentiment":"neutral","sentiment_score":0.15248727798461914},{"text":"And with that that investment property and that shed you have on that land, when are you sort of thinking you might wanna sell that, or are you wanting to sort of develop it and live in it in the future?","start":1572.3049,"end":1581.96,"sentiment":"neutral","sentiment_score":0.04892163387522465}],"sentiment":"neutral","sentiment_score":0.04792371913790703,"num_words":45,"start":1562.465,"end":1581.96},{"sentences":[{"text":"What's your plan for that down the track?","start":1581.96,"end":1583.74,"sentiment":"neutral","sentiment_score":0.03572931652888656},{"text":"Yep.","start":1588.375,"end":1588.875,"sentiment":"neutral","sentiment_score":0.1807253360748291},{"text":"Okay.","start":1593.575,"end":1594.075,"sentiment":"neutral","sentiment_score":0.0760883241891861},{"text":"Yes.","start":1603.99,"end":1604.49,"sentiment":"neutral","sentiment_score":0.09033279865980148},{"text":"Yeah.","start":1606.87,"end":1607.37,"sentiment":"neutral","sentiment_score":0.07011456787586212}],"sentiment":"neutral","sentiment_score":0.0585912965858976,"num_words":12,"start":1581.96,"end":1607.37},{"sentences":[{"text":"Yep.","start":1618.885,"end":1619.385,"sentiment":"neutral","sentiment_score":-0.06518878042697906},{"text":"Yeah.","start":1621.9401,"end":1622.42,"sentiment":"neutral","sentiment_score":-0.0532943457365036},{"text":"Of course.","start":1622.42,"end":1629.06,"sentiment":"neutral","sentiment_score":-0.042804681695997715},{"text":"Yeah.","start":1629.06,"end":1629.56,"sentiment":"neutral","sentiment_score":0.06537127494812012},{"text":"Absolutely.","start":1629.62,"end":1630.12,"sentiment":"neutral","sentiment_score":0.13146930932998657}],"sentiment":"neutral","sentiment_score":-0.001208650879561901,"num_words":6,"start":1618.885,"end":1630.12},{"sentences":[{"text":"So just holding on to for the time being and until you need to sell it to sort of cover you or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains.","start":1630.42,"end":1642.525,"sentiment":"neutral","sentiment_score":-0.014666798961709956},{"text":"Yep.","start":1644.505,"end":1644.985,"sentiment":"neutral","sentiment_score":0.23555943369865415},{"text":"Beautiful.","start":1644.985,"end":1645.485,"sentiment":"positive","sentiment_score":0.568307638168335},{"text":"You absolutely can.","start":1653.3201,"end":1654.6001,"sentiment":"positive","sentiment_score":0.3610649108886719},{"text":"Yeah.","start":1654.6001,"end":1654.8401,"sentiment":"neutral","sentiment_score":0.16641339659690857}],"sentiment":"neutral","sentiment_score":0.02426912821829319,"num_words":55,"start":1630.42,"end":1654.8401},{"sentences":[{"text":"Definitely.","start":1654.8401,"end":1655.3401,"sentiment":"neutral","sentiment_score":0.20125263929367063},{"text":"When that time comes, you let me know.","start":1655.4,"end":1657.3201,"sentiment":"neutral","sentiment_score":0.07892705546692014},{"text":"We can update the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you.","start":1657.3201,"end":1667.9149,"sentiment":"neutral","sentiment_score":0.1717290870369749},{"text":"But, yeah, you absolutely can currently.","start":1667.9149,"end":1669.7749,"sentiment":"neutral","sentiment_score":0.2795460820198059},{"text":"Yeah.","start":1669.995,"end":1670.495,"sentiment":"neutral","sentiment_score":0.0984659492969513}],"sentiment":"neutral","sentiment_score":0.1695187081775022,"num_words":63,"start":1654.8401,"end":1670.495},{"sentences":[{"text":"Beautiful.","start":1672.315,"end":1672.815,"sentiment":"neutral","sentiment_score":0.04602064937353134},{"text":"I would wouldn't need be on your doorstep with a asking for a check.","start":1676.41,"end":1680.51,"sentiment":"neutral","sentiment_score":-0.20070825038211687},{"text":"But he tax me, and they know how to get us.","start":1681.9299,"end":1684.27,"sentiment":"neutral","sentiment_score":-0.09807775982401588},{"text":"Oh, all good.","start":1686.97,"end":1688.345,"sentiment":"positive","sentiment_score":0.4364009499549866},{"text":"Well, thank you for answering those questions.","start":1688.8049,"end":1690.645,"sentiment":"positive","sentiment_score":0.611496069601604}],"sentiment":"neutral","sentiment_score":0.04852569786210855,"num_words":36,"start":1672.315,"end":1690.645},{"sentences":[{"text":"Now to kind of look at that, you have scored as more of a moderate investor.","start":1690.645,"end":1694.1849,"sentiment":"neutral","sentiment_score":0.07868596957996488},{"text":"So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark.","start":1694.245,"end":1705.62,"sentiment":"neutral","sentiment_score":0.02130947389093268},{"text":"As a more of a moderate investor, that would see us bring you down to more of a two.","start":1706.0,"end":1710.18,"sentiment":"neutral","sentiment_score":0.028095182129427007},{"text":"It sees us kind of reduce your current asset allocations about 80% in growth assets down to about, say, 50 to 60% in those growth assets.","start":1710.72,"end":1720.265,"sentiment":"neutral","sentiment_score":-0.02676246415537137},{"text":"Growth assets are things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1720.805,"end":1726.985,"sentiment":"neutral","sentiment_score":0.008240942240637891}],"sentiment":"neutral","sentiment_score":0.017881384861069702,"num_words":124,"start":1690.645,"end":1726.985},{"sentences":[{"text":"Those are the investments that get us the greater gains, but they're also the ones that go up and down and fluctuate quite heavily and can make us quite nervous when the market dips.","start":1728.42,"end":1736.3401,"sentiment":"neutral","sentiment_score":-0.18790379802093787},{"text":"So if you think back to COVID and the GFC, they're the investments that really saw very large dips that took about seven years to come back and recover.","start":1736.3401,"end":1744.875,"sentiment":"neutral","sentiment_score":-0.1365749396640679},{"text":"So it is reducing the risk by reducing those growth investments.","start":1744.875,"end":1748.255,"sentiment":"neutral","sentiment_score":0.01570273427800699},{"text":"And then we would see you increasing the defensive asset allocation, so things like share oh, sorry.","start":1748.875,"end":1754.9551,"sentiment":"neutral","sentiment_score":0.08021249271490995},{"text":"Things like bonds, fixed interest, those sorts of cash investments, essentially, from about 20% currently up to about sort of, 40 to 50%.","start":1754.9551,"end":1767.87,"sentiment":"neutral","sentiment_score":0.07929335210634314}],"sentiment":"neutral","sentiment_score":-0.06130976167817911,"num_words":114,"start":1728.42,"end":1767.87},{"sentences":[{"text":"Do you feel like that kind of an allocation change might be suitable lowering the risk level a little bit, bringing up more of those defensive investments?","start":1768.33,"end":1776.525,"sentiment":"neutral","sentiment_score":0.09873804450035095},{"text":"To kinda give you an idea as well, those defensive investments are more cash producing.","start":1777.465,"end":1781.165,"sentiment":"neutral","sentiment_score":0.1477708379427592},{"text":"So we wanna be drawing income out of those investments to help with your regular income payments in pension, but also so we can keep that money invested and continue growing your super a little bit.","start":1781.305,"end":1792.0,"sentiment":"neutral","sentiment_score":0.30864351780878174},{"text":"Do you have any questions there so far, and does that make sense?","start":1792.46,"end":1795.58,"sentiment":"neutral","sentiment_score":0.05652843816922261},{"text":"And does that kinda feel comfortable for you, or would you want that sounds okay?","start":1795.58,"end":1800.9349,"sentiment":"neutral","sentiment_score":0.043189206967751186}],"sentiment":"neutral","sentiment_score":0.16392796426870912,"num_words":106,"start":1768.33,"end":1800.9349},{"sentences":[{"text":"Yep.","start":1801.395,"end":1801.895,"sentiment":"neutral","sentiment_score":0.0670131966471672},{"text":"Beautiful.","start":1802.355,"end":1802.855,"sentiment":"neutral","sentiment_score":0.06999623030424118},{"text":"I'll look at more of a balanced portfolio for you.","start":1802.915,"end":1805.735,"sentiment":"neutral","sentiment_score":0.04584575016051531},{"text":"To kinda give you an idea of the difference of risk level, at the moment, you generally with your current portfolio, you're generally looking at or expecting a likelihood of a negative return, say, one in every five years.","start":1805.955,"end":1817.36,"sentiment":"neutral","sentiment_score":-0.0880904570221901},{"text":"With that balanced environment, you're sort of expecting a likelihood of a negative return, kind of one in every seven years.","start":1817.5801,"end":1823.18,"sentiment":"neutral","sentiment_score":-0.14541312236161458}],"sentiment":"neutral","sentiment_score":-0.08185745090142721,"num_words":72,"start":1801.395,"end":1823.18},{"sentences":[{"text":"So you are reducing the risk level a little bit, And this balanced environment more suits someone who's accessing their funds within in kind of the next three years.","start":1823.18,"end":1832.015,"sentiment":"neutral","sentiment_score":0.19142816562590928},{"text":"You can be in that balanced environment long longer term, but it's about kind of balancing risk with returns and making sure you're getting some income to help balance the income payments you're drawing out on a regular basis, but also protecting your capital and not seeing such big market fluctuations.","start":1832.235,"end":1850.06,"sentiment":"neutral","sentiment_score":0.23013876846023634},{"text":"You know, don't wanna see those really large ups and downs that make you feel nervous.","start":1850.865,"end":1854.325,"sentiment":"neutral","sentiment_score":-0.31273562693968415},{"text":"Yeah.","start":1854.625,"end":1855.125,"sentiment":"neutral","sentiment_score":-0.06376846879720688},{"text":"Does that all make sense there, Darren?","start":1856.225,"end":1857.925,"sentiment":"neutral","sentiment_score":0.008079792239836283}],"sentiment":"neutral","sentiment_score":0.11805301961990503,"num_words":104,"start":1823.18,"end":1857.925},{"sentences":[{"text":"Yep.","start":1859.265,"end":1859.665,"sentiment":"neutral","sentiment_score":0.16171376407146454},{"text":"Beautiful.","start":1859.665,"end":1860.165,"sentiment":"positive","sentiment_score":0.35150736570358276},{"text":"So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you.","start":1860.225,"end":1867.27,"sentiment":"neutral","sentiment_score":0.14513529423210356},{"text":"The other thing I had here is you've got your resolution life policy there at the moment.","start":1867.89,"end":1872.55,"sentiment":"neutral","sentiment_score":0.004448190167108003},{"text":"I know that that policy is still in place, and it's the plan expiry is 2030.","start":1873.8099,"end":1880.855,"sentiment":"neutral","sentiment_score":-0.005136888823471963}],"sentiment":"neutral","sentiment_score":0.07137585622108271,"num_words":62,"start":1859.265,"end":1880.855},{"sentences":[{"text":"They have kinda given us an idea on what that looks like.","start":1881.5549,"end":1884.5149,"sentiment":"neutral","sentiment_score":0.03626507598285874},{"text":"Are you wanting to keep that resolution life endowment policy in place for a bit longer, say, until the expiry, or are you wanting to maybe draw that out earlier?","start":1884.5149,"end":1893.335,"sentiment":"neutral","sentiment_score":-0.0022621134761720897},{"text":"Or no.","start":1893.3949,"end":1896.28,"sentiment":"neutral","sentiment_score":-0.0751790963113308},{"text":"Yeah.","start":1902.42,"end":1902.74,"sentiment":"neutral","sentiment_score":-0.04276318475604057},{"text":"So at the death benefit at the moment, so if you were to pass away currently, the death benefit paid out is about 107,071.","start":1902.74,"end":1910.875,"sentiment":"neutral","sentiment_score":-0.08261590388913949}],"sentiment":"neutral","sentiment_score":-0.026211384974042143,"num_words":69,"start":1881.5549,"end":1910.875},{"sentences":[{"text":"The withdrawal benefits, if you were to take the funds out now, they obviously consider that and you get less, it'd be 93,060 roughly.","start":1911.135,"end":1921.435,"sentiment":"neutral","sentiment_score":-0.12617573328316212},{"text":"Yeah.","start":1921.735,"end":1922.235,"sentiment":"neutral","sentiment_score":0.07586885988712311},{"text":"'20 '30.","start":1924.86,"end":1925.6799,"sentiment":"neutral","sentiment_score":0.03462151065468788},{"text":"Yep.","start":1925.82,"end":1926.32,"sentiment":"neutral","sentiment_score":0.06252831220626831},{"text":"Beautiful.","start":1927.6599,"end":1928.14,"sentiment":"positive","sentiment_score":0.6827822923660278}],"sentiment":"neutral","sentiment_score":-0.0737170728630033,"num_words":29,"start":1911.135,"end":1928.14},{"sentences":[{"text":"Well, I'll I'll make a note here.","start":1928.14,"end":1929.5,"sentiment":"neutral","sentiment_score":0.2666406014135906},{"text":"So future goals are looking at, obviously, proceeds of selling the boat and the land as well, and then we'll look at, you know, 2030, look at that resolution life policy, look at what you can withdraw then, what you need to do with the funds, and what you can do because we can always look at putting it back into super or investing it elsewhere, or you can kick the funds and go on a lovely holiday.","start":1929.5,"end":1950.285,"sentiment":"neutral","sentiment_score":0.19518962712624136},{"text":"So I'll note that down for you as well.","start":1950.285,"end":1953.19,"sentiment":"neutral","sentiment_score":0.1921602702803082},{"text":"Beautiful.","start":1953.19,"end":1953.69,"sentiment":"positive","sentiment_score":0.5008859634399414},{"text":"Honestly, those endowment pulses are beautiful.","start":1955.19,"end":1957.27,"sentiment":"positive","sentiment_score":0.35212963322798413}],"sentiment":"neutral","sentiment_score":0.21222159723834236,"num_words":101,"start":1928.14,"end":1957.27},{"sentences":[{"text":"You don't see them anymore.","start":1957.27,"end":1958.71,"sentiment":"neutral","sentiment_score":-0.02888362780213356},{"text":"You can't get them anymore.","start":1958.71,"end":1960.09,"sentiment":"neutral","sentiment_score":-0.06583257019519806},{"text":"But to to look at them, they're.","start":1960.15,"end":1963.925,"sentiment":"neutral","sentiment_score":0.009332672426743167},{"text":"Yeah.","start":1966.0651,"end":1966.5651,"sentiment":"neutral","sentiment_score":0.002666468732059002},{"text":"Oh, that's beautiful, and you kept it going.","start":1972.2251,"end":1974.7051,"sentiment":"positive","sentiment_score":0.35867443680763245}],"sentiment":"neutral","sentiment_score":0.09476191077667934,"num_words":26,"start":1957.27,"end":1974.7051},{"sentences":[{"text":"I love that.","start":1974.7051,"end":1975.685,"sentiment":"positive","sentiment_score":0.5366558829943339},{"text":"Yeah.","start":1981.0599,"end":1981.22,"sentiment":"neutral","sentiment_score":0.04754704236984253},{"text":"I know.","start":1981.22,"end":1981.88,"sentiment":"neutral","sentiment_score":0.0607701912522316},{"text":"Yeah.","start":1985.86,"end":1986.1799,"sentiment":"neutral","sentiment_score":0.1597399860620499},{"text":"It is it you keep you keep keeping it, get those annual bonuses in there, and, yeah, wait for the policy to end and then enjoy that lovely lump sum benefit paid out.","start":1986.1799,"end":1996.475,"sentiment":"neutral","sentiment_score":0.22297161117647635}],"sentiment":"neutral","sentiment_score":0.23242145571857692,"num_words":40,"start":1974.7051,"end":1996.475},{"sentences":[{"text":"Beautiful.","start":1996.475,"end":1996.975,"sentiment":"neutral","sentiment_score":0.3040798008441925},{"text":"No.","start":1999.355,"end":1999.755,"sentiment":"neutral","sentiment_score":0.22071129083633423},{"text":"Excellent.","start":1999.755,"end":2000.255,"sentiment":"positive","sentiment_score":0.5166113376617432},{"text":"I love that.","start":2000.395,"end":2001.275,"sentiment":"positive","sentiment_score":0.5919998089472452},{"text":"Beautiful.","start":2001.275,"end":2001.775,"sentiment":"positive","sentiment_score":0.5446958541870117}],"sentiment":"positive","sentiment_score":0.48029967291014536,"num_words":7,"start":1996.475,"end":2001.775},{"sentences":[{"text":"Now, obviously, looking at the other side of things, that resolution life policy does pay out that lump sum benefit in the event that you were to pass away.","start":2002.475,"end":2010.96,"sentiment":"neutral","sentiment_score":0.15288752060512018},{"text":"So it does act as a life insurance policy as well.","start":2010.96,"end":2013.78,"sentiment":"neutral","sentiment_score":0.17521414905786514},{"text":"If you were to then pass away between, you know, from here out, your super benefit is also paid out to your beneficiaries.","start":2014.4,"end":2020.1,"sentiment":"neutral","sentiment_score":0.14084861945846808},{"text":"Just double checking, in the event of you passing away, is it that you're wanting everything to be paid out to Denise?","start":2021.355,"end":2027.675,"sentiment":"neutral","sentiment_score":0.02386276468909769},{"text":"So what is your wishes with your super benefit being paid out on passing?","start":2027.675,"end":2031.375,"sentiment":"neutral","sentiment_score":0.09071693050542048}],"sentiment":"neutral","sentiment_score":0.11510737207036165,"num_words":99,"start":2002.475,"end":2031.375},{"sentences":[{"text":"Yep.","start":2034.9401,"end":2035.4401,"sentiment":"neutral","sentiment_score":0.2585870623588562},{"text":"Beautiful.","start":2035.5,"end":2036.0,"sentiment":"positive","sentiment_score":0.6635306477546692},{"text":"Lovely.","start":2036.46,"end":2036.96,"sentiment":"positive","sentiment_score":0.5502462387084961},{"text":"Yeah.","start":2039.42,"end":2039.74,"sentiment":"neutral","sentiment_score":0.06905463337898254},{"text":"You did.","start":2039.74,"end":2040.3,"sentiment":"neutral","sentiment_score":0.12439167127013206}],"sentiment":"neutral","sentiment_score":0.298366987456878,"num_words":6,"start":2034.9401,"end":2040.3},{"sentences":[{"text":"Yeah.","start":2040.3,"end":2040.54,"sentiment":"neutral","sentiment_score":0.10980091989040376},{"text":"So because we are moving into pension phase, it is a whole new account that we open up, so I do make a recommendation on beneficiaries.","start":2040.54,"end":2049.105,"sentiment":"neutral","sentiment_score":0.18747654156042978},{"text":"But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well.","start":2049.105,"end":2056.565,"sentiment":"positive","sentiment_score":0.4523599702736427},{"text":"They allow us a lot of different options for beneficiary nominations.","start":2057.105,"end":2061.2651,"sentiment":"neutral","sentiment_score":0.20355647802352905},{"text":"So I'll kind of make that nomination for you as part of the advice so you can see what I'm recommending and how we direct that to her in the event of you passing.","start":2061.2651,"end":2069.35,"sentiment":"neutral","sentiment_score":0.2084732237545883}],"sentiment":"neutral","sentiment_score":0.2715825842011093,"num_words":101,"start":2040.3,"end":2069.35},{"sentences":[{"text":"In saying that, Darren, we want you to stay alive and enjoy your retirement and want nothing to happen for sure.","start":2069.57,"end":2075.03,"sentiment":"neutral","sentiment_score":0.29935161272684735},{"text":"Okay.","start":2075.25,"end":2075.75,"sentiment":"neutral","sentiment_score":0.05294127017259598},{"text":"You.","start":2077.495,"end":2077.655,"sentiment":"neutral","sentiment_score":0.0021435022354125977},{"text":"You've worked too hard.","start":2077.655,"end":2078.875,"sentiment":"neutral","sentiment_score":-0.08730583731085062},{"text":"Oh, you are done.","start":2082.135,"end":2084.055,"sentiment":"neutral","sentiment_score":0.20827637240290642}],"sentiment":"neutral","sentiment_score":0.22017260580774276,"num_words":31,"start":2069.57,"end":2084.055},{"sentences":[{"text":"I love that.","start":2084.055,"end":2085.115,"sentiment":"positive","sentiment_score":0.5736868580182394},{"text":"Yeah.","start":2091.5898,"end":2092.0698,"sentiment":"neutral","sentiment_score":0.21417440474033356},{"text":"Absolutely.","start":2092.0698,"end":2092.5698,"sentiment":"neutral","sentiment_score":0.3169313967227936},{"text":"Absolutely.","start":2093.03,"end":2093.53,"sentiment":"neutral","sentiment_score":0.29149961471557617},{"text":"And it'll give you the option to take it or not.","start":2093.75,"end":2096.0698,"sentiment":"neutral","sentiment_score":0.24358285828070206}],"sentiment":"neutral","sentiment_score":0.3072398489012438,"num_words":17,"start":2084.055,"end":2096.0698},{"sentences":[{"text":"You get, you know, you get to decide what's right for you.","start":2096.0698,"end":2098.23,"sentiment":"neutral","sentiment_score":0.2433087726434072},{"text":"If you don't wanna work that week, you don't have to do anything that week.","start":2098.23,"end":2101.0498,"sentiment":"neutral","sentiment_score":0.08064604848623276},{"text":"The other side of your state planning is the will and powers of attorney.","start":2103.185,"end":2106.385,"sentiment":"neutral","sentiment_score":0.082796930202416},{"text":"I have it noted back here that you did have a will in place.","start":2106.385,"end":2109.205,"sentiment":"neutral","sentiment_score":0.08984305842646531},{"text":"Is your will current and reflective of your current circumstances?","start":2109.2651,"end":2112.245,"sentiment":"neutral","sentiment_score":0.05041699185967445}],"sentiment":"neutral","sentiment_score":0.10846962705254555,"num_words":65,"start":2096.0698,"end":2112.245},{"sentences":[{"text":"Okay.","start":2119.1199,"end":2119.6199,"sentiment":"neutral","sentiment_score":0.22519376873970032},{"text":"Beautiful.","start":2119.68,"end":2120.18,"sentiment":"positive","sentiment_score":0.3648684322834015},{"text":"And did you have a power of attorney in place with that will?","start":2120.5598,"end":2124.42,"sentiment":"neutral","sentiment_score":0.07652937362973507},{"text":"Do you know did they do, like, a will and power of attorney, or was it just, like, a will and testament?","start":2127.935,"end":2132.595,"sentiment":"neutral","sentiment_score":-0.0035260204352777114},{"text":"Mhmm.","start":2137.8699,"end":2138.3699,"sentiment":"neutral","sentiment_score":-0.03925096616148949}],"sentiment":"neutral","sentiment_score":0.0386347537492647,"num_words":38,"start":2119.1199,"end":2138.3699},{"sentences":[{"text":"Yep.","start":2143.31,"end":2143.81,"sentiment":"neutral","sentiment_score":-0.03447668254375458},{"text":"That's that's okay.","start":2148.75,"end":2149.8699,"sentiment":"neutral","sentiment_score":0.04465517774224281},{"text":"As long as you had a power of attorney done up, that's all all sorted.","start":2149.8699,"end":2153.33,"sentiment":"neutral","sentiment_score":0.10031752263506254},{"text":"Yep.","start":2153.595,"end":2154.095,"sentiment":"neutral","sentiment_score":0.15999802947044373},{"text":"Fantastic.","start":2159.9949,"end":2160.4949,"sentiment":"positive","sentiment_score":0.6561596393585205}],"sentiment":"neutral","sentiment_score":0.11525758852561314,"num_words":21,"start":2143.31,"end":2160.4949},{"sentences":[{"text":"Fantastic.","start":2161.355,"end":2161.855,"sentiment":"positive","sentiment_score":0.6230287551879883},{"text":"What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future.","start":2162.4749,"end":2169.9,"sentiment":"neutral","sentiment_score":0.3261275539795558},{"text":"We want nothing to happen.","start":2169.9,"end":2171.2,"sentiment":"neutral","sentiment_score":0.061924141645431516},{"text":"But in the event of you actually passing away, we can only speak to your the executor of your will.","start":2171.42,"end":2176.72,"sentiment":"neutral","sentiment_score":0.057707011699676514},{"text":"So if you are able to send us a copy of your will, we can keep it on file for you and keep it reflective.","start":2176.78,"end":2182.3198,"sentiment":"neutral","sentiment_score":0.25373861074447635}],"sentiment":"neutral","sentiment_score":0.22486520475811428,"num_words":81,"start":2161.355,"end":2182.3198},{"sentences":[{"text":"That way if anything was to happen, we can contact the executor.","start":2182.38,"end":2185.8252,"sentiment":"neutral","sentiment_score":0.28669321288665134},{"text":"We can help them to make a claim on your super, and we can help to make sure the beneficiaries just take the money nice and quickly.","start":2185.8252,"end":2191.5251,"sentiment":"positive","sentiment_score":0.4534855827137276},{"text":"Is that okay?","start":2191.5852,"end":2192.485,"sentiment":"neutral","sentiment_score":0.2025358279546102},{"text":"Yeah.","start":2193.3452,"end":2193.8452,"sentiment":"positive","sentiment_score":0.3771282136440277},{"text":"Just makes everything a little bit easier and a bit more streamlined for your beneficiaries.","start":2194.145,"end":2198.29,"sentiment":"positive","sentiment_score":0.5191299100716908}],"sentiment":"positive","sentiment_score":0.4216571316636842,"num_words":58,"start":2182.38,"end":2198.29},{"sentences":[{"text":"In the event something happens, as I said, I want nothing to happen.","start":2198.35,"end":2201.07,"sentiment":"neutral","sentiment_score":0.2260685276526671},{"text":"I want you to enjoy the next thirty to forty years of your life and have the best time in retirement.","start":2201.07,"end":2206.61,"sentiment":"positive","sentiment_score":0.5734512962046123},{"text":"You you don't you don't think it'll last that long?","start":2210.365,"end":2213.345,"sentiment":"neutral","sentiment_score":-0.18091046065092087},{"text":"Yeah.","start":2217.085,"end":2217.565,"sentiment":"neutral","sentiment_score":-0.0344681441783905},{"text":"No.","start":2217.565,"end":2217.645,"sentiment":"neutral","sentiment_score":-0.18094322085380551}],"sentiment":"neutral","sentiment_score":0.28167069800522015,"num_words":46,"start":2198.35,"end":2217.645},{"sentences":[{"text":"No.","start":2217.645,"end":2218.145,"sentiment":"neutral","sentiment_score":-0.2243410348892212},{"text":"Yeah.","start":2218.765,"end":2219.1648,"sentiment":"neutral","sentiment_score":-0.10518751293420792},{"text":"No.","start":2219.1648,"end":2219.325,"sentiment":"neutral","sentiment_score":-0.20490139722824097},{"text":"That's okay.","start":2219.325,"end":2220.125,"sentiment":"neutral","sentiment_score":-0.11966614425182343},{"text":"Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma.","start":2220.125,"end":2231.23,"sentiment":"neutral","sentiment_score":-0.19712061222110475}],"sentiment":"neutral","sentiment_score":-0.19070119320443182,"num_words":33,"start":2217.645,"end":2231.23},{"sentences":[{"text":"Are you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing?","start":2231.29,"end":2237.915,"sentiment":"positive","sentiment_score":0.5319764979860999},{"text":"Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself?","start":2237.915,"end":2245.0552,"sentiment":"neutral","sentiment_score":0.15572133402411753},{"text":"Yep.","start":2253.21,"end":2253.71,"sentiment":"neutral","sentiment_score":-0.004897229373455048},{"text":"Yep.","start":2254.41,"end":2254.91,"sentiment":"neutral","sentiment_score":0.006679184269160032},{"text":"Okay.","start":2264.985,"end":2265.385,"sentiment":"neutral","sentiment_score":0.011811993084847929}],"sentiment":"neutral","sentiment_score":0.30913395271180016,"num_words":51,"start":2231.29,"end":2265.385},{"sentences":[{"text":"Okay.","start":2265.385,"end":2265.885,"sentiment":"neutral","sentiment_score":0.019336700439453125},{"text":"Okay.","start":2271.88,"end":2272.04,"sentiment":"neutral","sentiment_score":0.14242058992385864},{"text":"Beautiful.","start":2272.04,"end":2272.44,"sentiment":"positive","sentiment_score":0.4544817805290222},{"text":"And that's all with Resolution Life as well.","start":2272.44,"end":2274.3599,"sentiment":"positive","sentiment_score":0.3397987652570009},{"text":"You pay that out of pocket.","start":2274.3599,"end":2275.74,"sentiment":"neutral","sentiment_score":0.1746232584118843}],"sentiment":"neutral","sentiment_score":0.25778639667174397,"num_words":17,"start":2265.385,"end":2275.74},{"sentences":[{"text":"Yep.","start":2276.04,"end":2276.54,"sentiment":"neutral","sentiment_score":0.13855277001857758},{"text":"Beautiful.","start":2279.08,"end":2279.58,"sentiment":"positive","sentiment_score":0.4670721292495727},{"text":"Do you know do you happen to have, like, a policy number?","start":2279.64,"end":2283.4,"sentiment":"neutral","sentiment_score":0.11614333341519038},{"text":"What we would what I would like to do as part of the advice is make sure I can understand your full circumstances.","start":2283.4,"end":2288.905,"sentiment":"neutral","sentiment_score":0.11776754260063171},{"text":"If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you?","start":2289.205,"end":2299.86,"sentiment":"neutral","sentiment_score":0.13172915848818692}],"sentiment":"neutral","sentiment_score":0.12968001671043444,"num_words":81,"start":2276.04,"end":2299.86},{"sentences":[{"text":"Yeah.","start":2305.2202,"end":2305.4602,"sentiment":"neutral","sentiment_score":0.04003872722387314},{"text":"That's okay.","start":2305.4602,"end":2306.02,"sentiment":"neutral","sentiment_score":0.12886769697070122},{"text":"You can still definitely keep the broker.","start":2306.02,"end":2307.7002,"sentiment":"neutral","sentiment_score":0.20366839000156947},{"text":"There's nothing we don't change the policy ownership or anything if you don't want us to.","start":2307.7002,"end":2311.8,"sentiment":"neutral","sentiment_score":0.022914460161700845},{"text":"It's just a third party a third party authority, so we can give them a call, ask them questions, find out the cover amount, help you to get quotes if you wanna alter anything or change anything there.","start":2311.86,"end":2322.625,"sentiment":"neutral","sentiment_score":0.1646809923021417}],"sentiment":"neutral","sentiment_score":0.13043690501945093,"num_words":64,"start":2305.2202,"end":2322.625},{"sentences":[{"text":"It just kind of means that, you know, you you don't have to call and deal with a lot of stuff.","start":2323.005,"end":2327.04,"sentiment":"neutral","sentiment_score":0.20814385265111923},{"text":"We can call Resolution Life directly for you and ask questions and help with the policies, get renewal letters, and things like that for you.","start":2327.04,"end":2335.22,"sentiment":"neutral","sentiment_score":0.28522063672542575},{"text":"I mean, you kind of have up as as your advisers, so, you know, there's just an extra little bit of help that we can provide to you to keep making sure your circumstances are all working for you.","start":2335.6,"end":2345.6748,"sentiment":"neutral","sentiment_score":0.29999831853768766},{"text":"But then, you know, you have us to do a bit of leg work for you as well if that helps.","start":2346.055,"end":2349.9949,"sentiment":"neutral","sentiment_score":0.07323867987309184},{"text":"Yeah.","start":2353.015,"end":2353.515,"sentiment":"neutral","sentiment_score":0.01568106934428215}],"sentiment":"neutral","sentiment_score":0.23135667844353436,"num_words":107,"start":2323.005,"end":2353.515},{"sentences":[{"text":"That's okay.","start":2354.535,"end":2355.355,"sentiment":"neutral","sentiment_score":0.23195179551839828},{"text":"Resolution Life has a wee one.","start":2362.76,"end":2364.84,"sentiment":"neutral","sentiment_score":0.04577569477260113},{"text":"Yeah.","start":2364.84,"end":2365.34,"sentiment":"neutral","sentiment_score":0.018413888290524483},{"text":"Okay.","start":2372.5352,"end":2373.0352,"sentiment":"neutral","sentiment_score":0.01824557408690453},{"text":"110,050 thousand in trauma.","start":2373.175,"end":2376.395,"sentiment":"neutral","sentiment_score":0.019684592029079795}],"sentiment":"neutral","sentiment_score":0.060996827869010825,"num_words":14,"start":2354.535,"end":2376.395},{"sentences":[{"text":"Beautiful.","start":2376.615,"end":2377.115,"sentiment":"positive","sentiment_score":0.5691363215446472},{"text":"That's resolution life.","start":2378.615,"end":2380.3152,"sentiment":"neutral","sentiment_score":0.27341662844022113},{"text":"If you can't get it now, that's okay.","start":2384.07,"end":2385.75,"sentiment":"neutral","sentiment_score":-0.018602395430207253},{"text":"I could always get some Samantha to give you a call later or tomorrow and sort of follow that up.","start":2385.75,"end":2390.15,"sentiment":"neutral","sentiment_score":0.09167233854532242},{"text":"That's honestly okay.","start":2390.15,"end":2391.27,"sentiment":"neutral","sentiment_score":0.22654642661412558}],"sentiment":"neutral","sentiment_score":0.1072472312620708,"num_words":35,"start":2376.615,"end":2391.27},{"sentences":[{"text":"I know their policy numbers can be a bit hard sometimes.","start":2391.27,"end":2393.93,"sentiment":"neutral","sentiment_score":-0.025873056528243153},{"text":"Yes.","start":2407.2698,"end":2407.7698,"sentiment":"neutral","sentiment_score":0.03900530934333801},{"text":"The the one for the other one, for your endowment policy, that is starting with Q and ending in N.","start":2409.2698,"end":2415.6099,"sentiment":"neutral","sentiment_score":0.022616237867623568},{"text":"Ends in 045N.","start":2418.0698,"end":2420.25,"sentiment":"neutral","sentiment_score":0.011822005733847618},{"text":"Yeah.","start":2426.545,"end":2426.865,"sentiment":"neutral","sentiment_score":0.0072590806521475315}],"sentiment":"neutral","sentiment_score":0.006929209520522919,"num_words":36,"start":2391.27,"end":2426.865},{"sentences":[{"text":"Normally, it's on the very front under your details on the top left hand corner depending on which way you're facing.","start":2426.865,"end":2435.22,"sentiment":"neutral","sentiment_score":0.016010663072977747},{"text":"Right.","start":2442.0798,"end":2442.5798,"sentiment":"neutral","sentiment_score":0.03992395848035813},{"text":"Does he kind of review the policy with you every year and update things to make sure that it's all working?","start":2446.2551,"end":2452.415,"sentiment":"neutral","sentiment_score":0.040258233213708514},{"text":"Yeah.","start":2452.415,"end":2452.915,"sentiment":"neutral","sentiment_score":0.048087798058986664},{"text":"Perfect.","start":2456.8298,"end":2457.3298,"sentiment":"positive","sentiment_score":0.43566158413887024}],"sentiment":"neutral","sentiment_score":0.03789600361552503,"num_words":45,"start":2426.865,"end":2457.3298},{"sentences":[{"text":"That's okay.","start":2457.47,"end":2458.19,"sentiment":"positive","sentiment_score":0.3689657896757126},{"text":"That's absolutely fine.","start":2458.19,"end":2459.0698,"sentiment":"positive","sentiment_score":0.5348719557126363},{"text":"I'm happy just to I can just note down here the level of cover you do have if you like, because it is kinda reviewed with you regularly.","start":2459.0698,"end":2465.97,"sentiment":"neutral","sentiment_score":0.30483762573982986},{"text":"And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine.","start":2466.67,"end":2472.395,"sentiment":"neutral","sentiment_score":0.1417456829437503},{"text":"But it sounds like it is pretty well under control.","start":2472.935,"end":2475.195,"sentiment":"neutral","sentiment_score":0.29946809709072114}],"sentiment":"neutral","sentiment_score":0.2528545053941863,"num_words":70,"start":2457.47,"end":2475.195},{"sentences":[{"text":"Fantastic.","start":2482.455,"end":2482.955,"sentiment":"positive","sentiment_score":0.7147178649902344},{"text":"Excellent.","start":2483.495,"end":2483.995,"sentiment":"positive","sentiment_score":0.5751358866691589},{"text":"No.","start":2484.455,"end":2484.615,"sentiment":"neutral","sentiment_score":0.2746741473674774},{"text":"That's really good.","start":2484.615,"end":2485.7551,"sentiment":"neutral","sentiment_score":0.27848169207572937},{"text":"That's okay.","start":2494.64,"end":2495.44,"sentiment":"neutral","sentiment_score":0.023427609354257584}],"sentiment":"neutral","sentiment_score":0.30585352424532175,"num_words":8,"start":2482.455,"end":2495.44},{"sentences":[{"text":"I'll just note down the level of cover you've got.","start":2495.44,"end":2497.92,"sentiment":"neutral","sentiment_score":0.0604265995323658},{"text":"Yeah.","start":2497.92,"end":2498.42,"sentiment":"neutral","sentiment_score":0.02028178423643112},{"text":"Yeah.","start":2499.815,"end":2500.135,"sentiment":"neutral","sentiment_score":0.077632836997509},{"text":"That's okay.","start":2500.135,"end":2500.6948,"sentiment":"neutral","sentiment_score":0.1332223117351532},{"text":"That's not a problem.","start":2500.6948,"end":2501.575,"sentiment":"neutral","sentiment_score":0.22699562832713127}],"sentiment":"neutral","sentiment_score":0.10425598629646832,"num_words":18,"start":2495.44,"end":2501.575},{"sentences":[{"text":"I can get Samantha to sort of follow that one up with you.","start":2501.575,"end":2503.655,"sentiment":"neutral","sentiment_score":0.21001248290905586},{"text":"It's not a problem.","start":2503.655,"end":2504.375,"sentiment":"neutral","sentiment_score":0.22141016647219658},{"text":"Are you happy and okay with us adding a third party authority on file just to kind of help you where you might need as well?","start":2504.375,"end":2511.035,"sentiment":"neutral","sentiment_score":0.1880328242595379},{"text":"Yeah.","start":2512.9302,"end":2513.4302,"sentiment":"neutral","sentiment_score":0.21627114713191983},{"text":"That's okay.","start":2513.57,"end":2514.29,"sentiment":"neutral","sentiment_score":0.28063908219337463}],"sentiment":"neutral","sentiment_score":0.20178708012985147,"num_words":46,"start":2501.575,"end":2514.29},{"sentences":[{"text":"I'll get Samantha just to follow-up and grab the policy number later.","start":2514.29,"end":2517.49,"sentiment":"neutral","sentiment_score":0.3208909009893735},{"text":"She might even just be able to send you an email.","start":2517.49,"end":2519.33,"sentiment":"positive","sentiment_score":0.353821415792812},{"text":"And if you can get that, just email it back to us, that would be fantastic.","start":2519.33,"end":2522.37,"sentiment":"positive","sentiment_score":0.4923833180218935},{"text":"And then we can just get you to sign third party authority, and we'll add it on file to give you a hand.","start":2523.01,"end":2527.615,"sentiment":"neutral","sentiment_score":0.21959793502869812},{"text":"It's a secondary pair of eyes.","start":2527.615,"end":2529.4548,"sentiment":"neutral","sentiment_score":0.15778142462174097}],"sentiment":"neutral","sentiment_score":0.31791618422550316,"num_words":68,"start":2514.29,"end":2529.4548},{"sentences":[{"text":"Easy.","start":2529.4548,"end":2529.9548,"sentiment":"neutral","sentiment_score":0.16315439343452454},{"text":"Yep.","start":2542.75,"end":2543.25,"sentiment":"neutral","sentiment_score":0.008356055244803429},{"text":"Oh, okay.","start":2546.27,"end":2547.01,"sentiment":"neutral","sentiment_score":0.015663779340684414},{"text":"It might be.","start":2548.59,"end":2549.3901,"sentiment":"neutral","sentiment_score":0.00478166372825702},{"text":"Yeah.","start":2549.3901,"end":2549.7102,"sentiment":"neutral","sentiment_score":0.028472525998950005}],"sentiment":"neutral","sentiment_score":0.030706940568052232,"num_words":8,"start":2529.4548,"end":2549.7102},{"sentences":[{"text":"That's okay.","start":2549.7102,"end":2550.4502,"sentiment":"neutral","sentiment_score":0.04508325830101967},{"text":"Let me just policy.","start":2550.75,"end":2553.445,"sentiment":"neutral","sentiment_score":0.03135339077562094},{"text":"Account number.","start":2553.445,"end":2554.085,"sentiment":"neutral","sentiment_score":0.017355667427182198},{"text":"What's the account number?","start":2554.085,"end":2555.045,"sentiment":"neutral","sentiment_score":0.0203500809147954},{"text":"Let's have a look.","start":2555.045,"end":2555.865,"sentiment":"neutral","sentiment_score":0.034510829485952854}],"sentiment":"neutral","sentiment_score":0.02935844101011753,"num_words":16,"start":2549.7102,"end":2555.865},{"sentences":[{"text":"Yep.","start":2558.805,"end":2559.305,"sentiment":"neutral","sentiment_score":0.021087445318698883},{"text":"Mhmm.","start":2562.2449,"end":2562.7449,"sentiment":"neutral","sentiment_score":0.017605476081371307},{"text":"Yep.","start":2565.06,"end":2565.56,"sentiment":"neutral","sentiment_score":0.03256961330771446},{"text":"Beautiful.","start":2566.74,"end":2567.1401,"sentiment":"neutral","sentiment_score":0.30976635217666626},{"text":"I'll just read that back to you.","start":2567.1401,"end":2568.26,"sentiment":"neutral","sentiment_score":0.20790659529822214}],"sentiment":"neutral","sentiment_score":0.1669431867247278,"num_words":11,"start":2558.805,"end":2568.26},{"sentences":[{"text":"So PForPeter, 811411612.","start":2568.26,"end":2572.52,"sentiment":"neutral","sentiment_score":0.06539648274580638},{"text":"Yep.","start":2573.86,"end":2574.36,"sentiment":"neutral","sentiment_score":0.1630428284406662},{"text":"Fantastic.","start":2574.58,"end":2575.08,"sentiment":"positive","sentiment_score":0.43461793661117554},{"text":"All good.","start":2577.635,"end":2578.275,"sentiment":"neutral","sentiment_score":0.3218248039484024},{"text":"Yeah.","start":2578.275,"end":2578.515,"sentiment":"neutral","sentiment_score":0.06639579683542252}],"sentiment":"neutral","sentiment_score":0.18798695225268602,"num_words":8,"start":2568.26,"end":2578.515},{"sentences":[{"text":"No.","start":2578.515,"end":2578.675,"sentiment":"neutral","sentiment_score":-0.006333555094897747},{"text":"That's absolutely perfect.","start":2578.675,"end":2579.975,"sentiment":"positive","sentiment_score":0.8446797728538513},{"text":"We'll I'll get some Samantha just to drop a third party authority.","start":2580.195,"end":2583.155,"sentiment":"neutral","sentiment_score":0.2097854713598887},{"text":"We'll see if we can have that applied there for you.","start":2583.155,"end":2585.415,"sentiment":"neutral","sentiment_score":0.1899333650415594},{"text":"Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full and can make sure the advice document reflects that for you.","start":2585.475,"end":2595.27,"sentiment":"neutral","sentiment_score":0.15974977742880583}],"sentiment":"neutral","sentiment_score":0.20185656018499562,"num_words":67,"start":2578.515,"end":2595.27},{"sentences":[{"text":"Okay?","start":2595.27,"end":2595.77,"sentiment":"neutral","sentiment_score":0.04391957446932793},{"text":"Excellent.","start":2596.71,"end":2597.21,"sentiment":"neutral","sentiment_score":0.05632635951042175},{"text":"Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome.","start":2597.8298,"end":2613.475,"sentiment":"neutral","sentiment_score":0.10660969123484627},{"text":"We just need you to sign and return that back.","start":2613.855,"end":2616.2751,"sentiment":"neutral","sentiment_score":0.07081285901367665},{"text":"You do pay an ongoing service fee for our services of 1.65% per annum currently.","start":2616.815,"end":2622.17,"sentiment":"neutral","sentiment_score":0.03498573265969753}],"sentiment":"neutral","sentiment_score":0.08924675697272413,"num_words":89,"start":2595.27,"end":2622.17},{"sentences":[{"text":"That is deducted in smaller monthly increments from your super account, and, essentially, it's making sure that we're able to look after everything.","start":2622.63,"end":2630.15,"sentiment":"neutral","sentiment_score":0.0629070276475471},{"text":"We wanna make sure your super is working harder for you.","start":2630.15,"end":2632.81,"sentiment":"neutral","sentiment_score":0.08744209429079836},{"text":"So we wanna make sure you're able to get that 1.65% and then obviously make a return on top of that.","start":2633.03,"end":2638.805,"sentiment":"neutral","sentiment_score":0.06697673084480422},{"text":"Do you have any questions about how the ongoing service fee works?","start":2639.985,"end":2643.525,"sentiment":"neutral","sentiment_score":0.0046465278913577395},{"text":"Or just the same as the other years.","start":2643.585,"end":2649.205,"sentiment":"neutral","sentiment_score":-0.04965405887924135}],"sentiment":"neutral","sentiment_score":0.046316825126608216,"num_words":75,"start":2622.63,"end":2649.205},{"sentences":[{"text":"Yes.","start":2650.65,"end":2650.89,"sentiment":"neutral","sentiment_score":0.0437823049724102},{"text":"All good.","start":2650.89,"end":2651.71,"sentiment":"neutral","sentiment_score":0.1608874797821045},{"text":"Yeah.","start":2654.49,"end":2654.99,"sentiment":"neutral","sentiment_score":0.11712387949228288},{"text":"Beautiful.","start":2655.21,"end":2655.71,"sentiment":"neutral","sentiment_score":0.29256904125213623},{"text":"The only other thing is it looks like your your ID on file has expired.","start":2655.93,"end":2659.8699,"sentiment":"neutral","sentiment_score":-0.007236157357692718}],"sentiment":"neutral","sentiment_score":0.03333539124578237,"num_words":20,"start":2650.65,"end":2659.8699},{"sentences":[{"text":"If I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back?","start":2660.49,"end":2668.485,"sentiment":"neutral","sentiment_score":0.0008762409444898367},{"text":"Yep.","start":2672.465,"end":2672.545,"sentiment":"neutral","sentiment_score":0.024930065497756004},{"text":"Yeah.","start":2672.545,"end":2672.945,"sentiment":"neutral","sentiment_score":0.040839605033397675},{"text":"This driver's license back and front.","start":2672.945,"end":2674.705,"sentiment":"neutral","sentiment_score":0.035659080681701504},{"text":"Just shoot that back to us, and we'll be able to verify it for you.","start":2674.705,"end":2677.2651,"sentiment":"neutral","sentiment_score":0.08097572972377141}],"sentiment":"neutral","sentiment_score":0.024276345051706782,"num_words":63,"start":2660.49,"end":2677.2651},{"sentences":[{"text":"We just had under AML, need to be able to make sure when we're providing advice, we do have updated identification there for you.","start":2677.2651,"end":2683.27,"sentiment":"neutral","sentiment_score":0.05196532358725866},{"text":"And then the other documents in the annual review pack you will see are your super insurance summary.","start":2683.97,"end":2689.01,"sentiment":"neutral","sentiment_score":0.06282756570726633},{"text":"So we do have your super balance there, your ResLife policy noted.","start":2689.01,"end":2692.45,"sentiment":"neutral","sentiment_score":0.3287213059763114},{"text":"We've also got the updated document from Resolution Life with your endowment policy, which shows the figures I went through.","start":2692.45,"end":2698.4749,"sentiment":"neutral","sentiment_score":0.31791048422455787},{"text":"It's also got the financial services guide attached there for you, which has a lovely picture of me and all my licensing information there for you.","start":2698.775,"end":2705.335,"sentiment":"positive","sentiment_score":0.5562503452484424}],"sentiment":"neutral","sentiment_score":0.271434382814914,"num_words":100,"start":2677.2651,"end":2705.335},{"sentences":[{"text":"So you're welcome to look me up, Google me, or have a look.","start":2705.335,"end":2708.4548,"sentiment":"positive","sentiment_score":0.5257538992625016},{"text":"So I'm just I'm a full licensed adviser, make life easy for you.","start":2708.4548,"end":2712.3,"sentiment":"positive","sentiment_score":0.5301653719865359},{"text":"Other than that, essentially, just to confirm that we're working forward in the right direction, I'll look at reviewing your super, the investments, look at reducing risk, moving into more of a balanced portfolio there for you.","start":2713.58,"end":2724.945,"sentiment":"neutral","sentiment_score":0.3259008853016673},{"text":"We'll look at drawing income down of about $1,200 per week.","start":2725.185,"end":2729.0452,"sentiment":"neutral","sentiment_score":0.21004048396240582},{"text":"We don't need any additional buffers there at the moment.","start":2729.585,"end":2732.165,"sentiment":"neutral","sentiment_score":0.02994455546140671}],"sentiment":"positive","sentiment_score":0.338037787626187,"num_words":84,"start":2705.335,"end":2732.165},{"sentences":[{"text":"Medium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well.","start":2732.465,"end":2744.0598,"sentiment":"neutral","sentiment_score":0.1541090454116012},{"text":"Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment?","start":2744.0598,"end":2750.5598,"sentiment":"neutral","sentiment_score":-0.05000265307076599},{"text":"Have I touched on it the right way?","start":2751.02,"end":2752.78,"sentiment":"neutral","sentiment_score":0.011858951533213258},{"text":"Yep.","start":2752.78,"end":2753.28,"sentiment":"neutral","sentiment_score":0.023265017196536064},{"text":"Absolutely.","start":2757.275,"end":2757.775,"sentiment":"neutral","sentiment_score":0.07698272168636322}],"sentiment":"neutral","sentiment_score":0.06258570953187617,"num_words":66,"start":2732.465,"end":2757.775},{"sentences":[{"text":"Yeah.","start":2758.475,"end":2758.975,"sentiment":"neutral","sentiment_score":0.10538950562477112},{"text":"So I have you booked in for 08:30AM on the July 23, so in two weeks.","start":2759.115,"end":2763.915,"sentiment":"neutral","sentiment_score":0.1330574592575431},{"text":"In the meantime, I'll do the research, get the advice document ready to go.","start":2763.915,"end":2767.83,"sentiment":"neutral","sentiment_score":0.16069443630320684},{"text":"I'll talk to you on the twenty third.","start":2768.23,"end":2769.75,"sentiment":"neutral","sentiment_score":0.17586904019117355},{"text":"We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions.","start":2769.75,"end":2775.29,"sentiment":"neutral","sentiment_score":0.3033244975588538}],"sentiment":"neutral","sentiment_score":0.2059692168822054,"num_words":61,"start":2758.475,"end":2775.29},{"sentences":[{"text":"You can then take those recommendations back, have a bit of a read of them.","start":2775.6702,"end":2779.29,"sentiment":"neutral","sentiment_score":0.26564779977003733},{"text":"Let me know if you do have any additional questions.","start":2779.35,"end":2781.51,"sentiment":"neutral","sentiment_score":0.24358010292053223},{"text":"And as soon as you sign that, bring it back.","start":2781.51,"end":2783.715,"sentiment":"neutral","sentiment_score":0.19052269756793977},{"text":"We'll then go forward and complete the application there for you and get that moved into pension so you can start drawing your income payments.","start":2783.715,"end":2791.0151,"sentiment":"neutral","sentiment_score":0.24660024493932725},{"text":"Okay?","start":2791.235,"end":2791.735,"sentiment":"neutral","sentiment_score":0.16838452219963074}],"sentiment":"neutral","sentiment_score":0.24031369913308348,"num_words":61,"start":2775.6702,"end":2791.735},{"sentences":[{"text":"Yeah.","start":2796.93,"end":2797.33,"sentiment":"neutral","sentiment_score":0.06821354478597641},{"text":"That'd be fabulous.","start":2797.33,"end":2798.39,"sentiment":"positive","sentiment_score":0.8268337647120158},{"text":"Yeah.","start":2798.45,"end":2798.69,"sentiment":"positive","sentiment_score":0.3564188480377197},{"text":"I'll get Samantha to send you a message shortly.","start":2798.69,"end":2800.85,"sentiment":"neutral","sentiment_score":0.17293830547067854},{"text":"Just asking for your ID.","start":2800.85,"end":2802.05,"sentiment":"neutral","sentiment_score":0.07968917042016983}],"sentiment":"neutral","sentiment_score":0.25579075201561574,"num_words":19,"start":2796.93,"end":2802.05},{"sentences":[{"text":"It'll probably be a text message that comes through.","start":2802.05,"end":2804.39,"sentiment":"neutral","sentiment_score":0.09119704945219888},{"text":"If you're not sure, give us a call.","start":2804.69,"end":2806.45,"sentiment":"neutral","sentiment_score":0.014423341024667025},{"text":"We can confirm it's us, but it will be us sending you that text message.","start":2806.45,"end":2809.7048,"sentiment":"neutral","sentiment_score":0.11097197333971659},{"text":"And then those annual review documents will be in your email for you.","start":2809.7048,"end":2813.4648,"sentiment":"neutral","sentiment_score":0.11314714040893775},{"text":"Okay?","start":2813.4648,"end":2813.9648,"sentiment":"neutral","sentiment_score":0.06442061066627502}],"sentiment":"neutral","sentiment_score":0.08991463498576828,"num_words":46,"start":2802.05,"end":2813.9648},{"sentences":[{"text":"Perfect.","start":2816.185,"end":2816.685,"sentiment":"positive","sentiment_score":0.6391688585281372},{"text":"Easy.","start":2816.825,"end":2817.145,"sentiment":"positive","sentiment_score":0.5100601315498352},{"text":"And just so I can confirm for the advice, when was your last day of work again for me?","start":2817.145,"end":2821.565,"sentiment":"neutral","sentiment_score":0.09585409964385785},{"text":"Monday.","start":2827.03,"end":2827.51,"sentiment":"neutral","sentiment_score":0.04790668189525604},{"text":"Yep.","start":2827.51,"end":2828.01,"sentiment":"neutral","sentiment_score":0.08868815749883652}],"sentiment":"neutral","sentiment_score":0.13508920533501584,"num_words":23,"start":2816.185,"end":2828.01},{"sentences":[{"text":"It was.","start":2828.55,"end":2829.29,"sentiment":"neutral","sentiment_score":0.1567617654800415},{"text":"Yeah.","start":2829.35,"end":2829.6702,"sentiment":"neutral","sentiment_score":0.22614705562591553},{"text":"Absolutely.","start":2829.6702,"end":2830.1702,"sentiment":"positive","sentiment_score":0.6080765724182129},{"text":"Beautiful.","start":2831.51,"end":2832.01,"sentiment":"positive","sentiment_score":0.7368307113647461},{"text":"Well, thank you so much for calling back in your time.","start":2832.1501,"end":2834.3901,"sentiment":"positive","sentiment_score":0.7347073175690391}],"sentiment":"positive","sentiment_score":0.6228973977267742,"num_words":16,"start":2828.55,"end":2834.3901},{"sentences":[{"text":"It's been great to get to know you and do your annual review.","start":2834.3901,"end":2837.1301,"sentiment":"positive","sentiment_score":0.7992306214112502},{"text":"If you find any questions come up in the meantime, please let me know.","start":2837.3152,"end":2840.2751,"sentiment":"neutral","sentiment_score":0.2984238586255482},{"text":"My name's Dana, and I'll be I'll chat to you on the twenty third.","start":2840.2751,"end":2844.3552,"sentiment":"neutral","sentiment_score":0.22286986027445113},{"text":"We'll go through that advice together.","start":2844.3552,"end":2845.975,"sentiment":"positive","sentiment_score":0.35938774545987445},{"text":"Okay?","start":2846.115,"end":2846.615,"sentiment":"neutral","sentiment_score":0.2025030702352524}],"sentiment":"positive","sentiment_score":0.41764457679043215,"num_words":48,"start":2834.3901,"end":2846.615},{"sentences":[{"text":"My pleasure.","start":2848.915,"end":2849.735,"sentiment":"positive","sentiment_score":0.8214585483074188},{"text":"Have a great day.","start":2849.7952,"end":2850.935,"sentiment":"positive","sentiment_score":0.7938454896211624},{"text":"Thanks, Darren.","start":2852.96,"end":2853.76,"sentiment":"positive","sentiment_score":0.5543359518051147},{"text":"See you later.","start":2853.76,"end":2854.4,"sentiment":"positive","sentiment_score":0.34917426109313965},{"text":"Bye.","start":2854.4,"end":2854.9,"sentiment":"neutral","sentiment_score":0.20688170194625857}],"sentiment":"positive","sentiment_score":0.5984479536612829,"num_words":12,"start":2848.915,"end":2854.9}]}}]},{"alternatives":[{"transcript":"Good day, though. Thank you. Yeah. At at my house here, it's been fine, and I've been sitting around here till about half past ten. I had to get down the road for ten minutes, and where I went was SOS. And then I got back here, and that's when I missed this. Because I was supposed to be 08:30 this morning when I was sitting around. Well, I know everyone's got trouble. You know? Yeah. Yeah. No worries. Yeah. Yep. No worries. Mhmm. I've got my iPad upstairs if you want. But Yeah. Yeah. Yeah. Yeah. Yeah. Better. Yeah. No worries. Yep. I've finished work. I pulled the pin out there. And I tried to get in I looked at it a couple of weeks ago, and I had 17 hundred and 700 and 17000. I tried to get in this morning, but I couldn't get a code back from Telstra. Like, I couldn't get a code back to get into it. Yeah. Yeah. Yeah. Yeah. Nice. Yeah. Well, it said 717 about two weeks ago. Three weeks ago or something. Yeah. That's good. That's better. Yeah. Yeah. Yep. That's it. Yep. The last pay was was it Monday? Yeah. Well, I've got a few things. We're going away on a trip in another four weeks. And, oh, that's nearly all paid for, but, yeah, of course, you're gonna have spending money in it. Yeah. I might give it a couple of weeks till I start because I just paid I I paid the I got the remainder of me pay put into me super, and then they but the holidays that they had to they had to put it into me bank. Yeah. Because they couldn't do it, but they couldn't put it in me. So they told me. And then yeah. Anyway yeah. So yeah. I reckon in a couple of weeks, I'll wanna I'll start drawing on it. And I'll yeah. And then I'll I'll just set a figure now, and then and then when I get back from holidays and that because, like, when I get back, I don't know, this year I might I'll start doing better work. It'll be mainly cash. Yeah. But I want Christmas. I got a few payments coming up, like, you know, like insurances and all that. Yeah. Well, I was gonna do weekly. Can I can I when I change that, can I change that on the on my app, or if I could ring you guys? Yeah. Got it. Yep. Mhmm. Yeah. Because I wanna yeah. I've got a plumbing to do a job here. It's probably gonna cost about 4 or $5,000. And, yeah, I've got a bid I've got a I've got a bid in the bank, But I wanna we're going away on the August 11, and I want everything finalized and get it getting a bit of money in the bank before I go away. Because we're we're going away for a month. Yeah. Yep. Yep. Yep. Yep. That'll be fine then. Yeah. 08:30 in the well, what can we do? 08:30? Yep. Thursday is the '20 twenty twenty third, 08:30. Yep. Alright. Yep. And, yeah, I mean, I'm looking at I'll probably I'll have to start. I'll probably I'm gonna try about $1,200 a week. Yep. Yep. No. It should be wrong. I've got I've got a bit there. I've got a bit, don't know, nearly 80,000 in the bank there now. So it should be because I got a got a $12,000 payout, and and then I've got to get a long service. Oh, that's only a couple of weeks, but that's that's a bit of money. So I'm gonna ring them up yet. I've been waiting to for this Telstra to come back online and that and give them a ring and yeah. Yeah. But and and and say, like, you know, say you're gonna put me on that 1,200 a week. And if I wanna lump sum, I'll just ring things up and say, look, I need this is what I need. Is that a lot? Oil. Yep. Yep. Yep. Yep. Yeah. For sure. Yeah. Yeah. The although I'm gonna do it, like I said, I'll get I'll draw this pension, and I've got I've got a few assets in that that I can sell when I'm finished. Don't like like, I've got a pretty good I've got a boat there with, like, 250,000. I can sell it, like, as we as, like, in a few years' time when we don't use it anymore, we'll just sell it. And it's a boat that holds its value to you. And then I've also got a block of land with a shed on it. That's probably it's worth somewhere between $3.30 and 400,000 as well. So I'm gonna yeah. You gradually get rid of stuff. Yep. Yeah. Well, it's hard. Yeah. It'd be between $3.30 and 400,000. But that's a rough figure. Yeah. Because sheds are tripled, I think, since I build it, I think they said. 25,000? No. $10.50? Not right. Yeah. Yeah. The 10 is worth probably roughly 45. Yeah. Yeah. We got three, actually. Got a $100,160, and we got the RAV. It's worth around 45. We're gonna get rid of that later this year or early next year because I'm home there. And the crew my cruise is worth about roughly 60. Yeah. Yeah. No. It's saying that right. Yep. Land Cruiser yeah. You yeah. It's a Toyota Land Cruiser 300. No. No. We'll keep the u in the in the 300. Yeah. Because I well, I could tow boats on it. Yeah. Yeah. No. It's gone up. They well, I don't know. I I had a real estate person here, and they they were talking, like, 1.6. Things are going well, we live at a beach, and, yeah, things just get really rippling. It's a pretty big home and a big shed and whether I get that or not, but that's what she says. I haven't had a valuation. It was just from a real estate person. And I just said because it see, this house is actually big, Yeah. And it's got a it's got a real big shed on it that'll house two big boats. So that's that's the biggest thing for down here. People people have houses along the front, along the beach, and they can't sell them. Well, they can sell them, but it takes a lot of price off because they can't get access to a big shed and they haven't got a big shed. So that's why everyone has a boat down there pretty much. So that adds yeah. Right. Yeah. I'll put 1.5. I'll put 1.5. Yeah. Yeah. Yeah. That's wrong. No. No dits. Yep. Yep. Yep. Yeah. That's it. Yep. Well, she's actually on a pension because she's been cooked for a few years, and she's on a oh, well, she's on a a loss of income, you know, with that with her insurance. So she gets paid till she's 65. Yeah. It's a pretty good one, actually. Yeah. On income protection. Yeah. Because their doctors have all they said, yeah, they've all signed off, and they said you won't be god's yeah. They said you won't be working again. And Yeah. That's right. Yeah. No. Well, she's got her own thing. Oh, well, you know, we sorted out, so that's alright. Well, as far as I know, because I can't they probably can't send emails and that like, I never even got an email saying I just looked at my bank and the money was in there. I haven't got any correspondence or anything. Probably because they're all because they're out west. See, they're probably all out. They're probably down out there. Yes. Yeah. They should. But like I said, they're probably they're out west at the Barnes. They're probably they probably can't do anything out there because, you know, that much bloody trouble here. But, yeah, they'll definitely they'll definitely they'll definitely send all that in. They actually their company is actually getting ordered at the moment. So Golding's there, they're getting something. My my my told me, he said they're getting ordered because they underpaid him a bit on his holidays and all that sort of stuff. Well, you never know. Yeah. But see, what I've done, I said, just the initial payment. Yeah. I I told you before, but they said, your holidays and your payout, we can't put that in your super. Yeah. And, anyway so I've only just got a lump sum in my bank at the moment. That's all I've got, but they should email me with all the particulars and that. And and the only other thing the only other thing I'm gonna get a pay at well, I gotta I gotta get in touch with my loan service and get them to pay it out. Can you get that paid straight into your superannuation? Or yeah. I have to ask him. Yeah. I might keep yeah. I might just keep that in his bank. It's only it's only about two weeks, I think. So I'll I'll probably it won't be worth the hassle, I don't think, doing the super. But yeah. And I'll just put it straight into my bank account, I think. Yeah. Yeah. Right about that. Yeah. It's under? Yep. Yep. Yeah. That's all. Yep. Mhmm. Yeah. You should do that. Yep. Mhmm. Mhmm. Yeah. Yep. Sounds good. Yep. Mhmm. Yep. Yeah. Yeah. For sure. Yeah. No. That sounds good. Yep. Yep. Yep. Yep. Yep. Shares. They are I still got some AMP or resolution of this because they got them given to us through my yeah. I've never actually I don't think I've actually bought shares, but I've had share whatever shares I've had, they haven't been worth anything really. Yeah. My car is Sugar. Yeah. I have this. Yeah. Well, they took me out of a lot of higher risk there before because it takes you if it drops you, it takes you seven years to recover it, don't it, or something? Yeah. And I yeah. They took me out a lot of the high risk stuff there. Was that a couple of years ago or something? So what yeah. So what would be what? Mediacally, like, in the middle there or what do you think? Yeah. Yep. Oh, I think I'll just ring these up and see what you reckon. You're the expert? Yep. Yep. Well, you probably just gotta wait for the recovery, I would imagine, because I'm not gonna so maybe you take it out and put it into a bank account and go buy something. No. I've been there and done that. Yeah. Well, I'll be optimistic that it come oh, sorry. Yeah. I'd be I'd be up that's why I didn't put all my money into that because that's why I built that shed, bought that I've got that block cheap. That's why I've and and it's only cost me I haven't added it all up yet, but it's probably cost oh, shit. I could probably make a couple 100,000 on what it's cost me to build it. That's why I've that's why I've haven't put all I could've put a lot more money in to see if it better now. Put something to real estate. Yeah. Oh, no. It's I'll just put a share in toilet in it, and I've got it I've got it set up. So if I wanna sell it, people can back a caravan and live in it pretty much. But no. Well, see, I need it. I love I store new boats and that out there. In the like I said, in the future, like, it might be it's probably quite a few years' time. Like, once that big boat goes, and then I won't need to shed then, then I'll then when it's yeah. So anyway, when it's when it's time, I'll it it'll be quite a few years before I sell that shed in case something exceptionally bad happens. But yeah. Because, you know, you might you might become you might come across health problems and stuff like that. You might have to sell all that stuff. That's it. Yeah. Yeah. That's right. Yeah. And and and by then, I'd be could I I could probably just and you could probably, like, if you want to put it back in the like, some of it in the super, couldn't you? Yeah. Yep. Yeah. That's yeah. That's right. Because I wouldn't sell it all at lunch because it'd be too much money. The tax man would like me too much. Yeah. That's right. Not wrong. Yeah. Mhmm. Mhmm. Yeah. Mhmm. Yeah. No. That sounds alright. That sounds alright. Hang on. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yeah. Yep. Yep. Yeah. That's it. Yes. No. No. No. I wanna keep that till 2030. It's about is it's about is it ninety seventh there? What is it? 90 the payout? 90 yep. Yeah. Yeah. I was gonna let that go through till 2030, so then sort it out then there. Yes. Yep. 90. Right. Yep. But, yeah, it's today. Yeah. That's the next one. Yeah. That's yeah. We started that when we were kids. Like, I don't know. Yeah. I don't know where I think it was mom's auntie and uncle done it for us, I think. Yeah. I said to my sister about it. She said, oh, no. I got mine paid out years ago. And I said, well, mine's gonna be worth nearly a $100 in 2013. She said, oh my god. Oh. Yeah. Yep. Yeah. Yeah. Yeah. Benice Bradford. Yeah. I think I I did not did I have that? I had that sorted, didn't I? Yeah. Yeah. Yep. Okay. Mhmm. Me too. Oh, that thing. Yeah. Work weekends mostly lost, so that's it. I'm done. Oh, well, like I said, I got still got plenty of work, but, yeah, it will certainly be something I like doing. That's right. Yep. That's all. Yeah. We've just done them I've just done mine early this year. I think I got finalized. Yeah. It's it's there. No. I've done the yeah. I've done it up the pair of attorney. I no. I can't even remember who I because she's got four kids. So and her oldest one, she's, like, right up with all that. I don't even know who it is. I'd have to have a look. Yeah. Yeah. Yeah. Everything yeah. We got it all done and finalized. It got finalized in January or February or something. Yeah. Yep. Yep. Thirty or forty? Jeez. That'd be alright. Oh, about forty. Yeah. We'll see how that one's. No. No. I've got a I had the accident insurance with, like, your loss income and that with resolution. And we've we've got that sorted, so I still got trauma and life insurance with them. It's about $100,143 dollars. It's coming down to a $143 a month. So that's all. Yeah. The trauma's 50, and I think the that's a 100. Yeah. Yeah. 143 a month, it is. Yeah. Yeah. I've gone through well, I've always gone through a broker. So Yep. Yep. Yep. Yeah. I've got this thing here. Just trying to find them. It's good if they give it the bloody policy. And where is it? It's life covers a 110 where yeah. Life cover is is 110 and the trauma is 50. I just gotta get the right where is it? I've got policy numbers here, but I want you to get I want the right I gotta get the right one because yes. So we still got the policy number for the other one as well. What let's find a thing. Let's see. Yeah. Right. He's he's giving me all the paperwork here. You think the policy number would be on the front, but it's not. Yeah. It's just it's just got all the stuff about in there with the a IMAFA. That's who that's who his company is. Yeah. Yeah. He's he's yep. Yep. We've just that's what that's what we just all done. That's what we done and what? Mhmm. This is Yeah. Yeah. No. We yeah. We yeah. I told I spoke to him on the phone. I've been with him for quite a few years. He's he's pretty good. Yeah. I I thought it was all here, but it's just all to do with the policy. It's hasn't even got the bloody policy number on it. But I'll have it on the I'll have it in an email, I imagine. Yes. Yeah. You are. Alright. Here we go. Account number? No. The account number you want? It's got the part it hasn't got policy numbers. It's got account number, but it's a it's the same thing with it. P 811 4116 12. Yeah. Yeah. Yep. Yep. Mhmm. No worries. Mhmm. No. No. Yeah. Yeah. No. No. No. Actually, no. It yeah. So yeah. No worries. Yeah. No worries. What do you want me? License or something? Yeah. Righto. Yep. Alright. Mhmm. Yeah. That's about it. And when we ring next time, that's when we're gonna start doing the money thing, isn't it? The pension slip. Yeah. Yep. Right. Okeydoke. So I'll just sign what you sent me and then send my send my license back as well. Mhmm. Alright. No worries. The sixth. Well, Monday. The sixth, was it? The sixth is that. Yep. Alright. Thanks very much for your help. Thank you. Alright. See you later. 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day, though. Thank you. Yeah. At at my house here, it's been fine, and I've been sitting around here till about half past ten. I had to get down the road for ten minutes, and where I went was SOS.\n\nAnd then I got back here, and that's when I missed this. Because I was supposed to be 08:30 this morning when I was sitting around. Well, I know everyone's got trouble. You know? Yeah.\n\nYeah. No worries. Yeah. Yep. No worries.\n\nMhmm. I've got my iPad upstairs if you want. But Yeah. Yeah. Yeah.\n\nYeah. Yeah. Better. Yeah. No worries.\n\nYep. I've finished work. I pulled the pin out there. And I tried to get in I looked at it a couple of weeks ago, and I had 17 hundred and 700 and 17000. I tried to get in this morning, but I couldn't get a code back from Telstra.\n\nLike, I couldn't get a code back to get into it. Yeah. Yeah. Yeah. Yeah.\n\nNice. Yeah. Well, it said 717 about two weeks ago. Three weeks ago or something. Yeah.\n\nThat's good. That's better. Yeah. Yeah. Yep.\n\nThat's it. Yep. The last pay was was it Monday? Yeah. Well, I've got a few things.\n\nWe're going away on a trip in another four weeks. And, oh, that's nearly all paid for, but, yeah, of course, you're gonna have spending money in it. Yeah. I might give it a couple of weeks till I start because I just paid I I paid the I got the remainder of me pay put into me super, and then they but the holidays that they had to they had to put it into me bank. Yeah.\n\nBecause they couldn't do it, but they couldn't put it in me. So they told me. And then yeah. Anyway yeah. So yeah.\n\nI reckon in a couple of weeks, I'll wanna I'll start drawing on it. And I'll yeah. And then I'll I'll just set a figure now, and then and then when I get back from holidays and that because, like, when I get back, I don't know, this year I might I'll start doing better work. It'll be mainly cash. Yeah.\n\nBut I want Christmas. I got a few payments coming up, like, you know, like insurances and all that. Yeah. Well, I was gonna do weekly. Can I can I when I change that, can I change that on the on my app, or if I could ring you guys?\n\nYeah. Got it. Yep. Mhmm. Yeah.\n\nBecause I wanna yeah. I've got a plumbing to do a job here. It's probably gonna cost about 4 or $5,000. And, yeah, I've got a bid I've got a I've got a bid in the bank, But I wanna we're going away on the August 11, and I want everything finalized and get it getting a bit of money in the bank before I go away. Because we're we're going away for a month.\n\nYeah. Yep. Yep. Yep. Yep.\n\nThat'll be fine then. Yeah. 08:30 in the well, what can we do? 08:30? Yep.\n\nThursday is the '20 twenty twenty third, 08:30. Yep. Alright. Yep. And, yeah, I mean, I'm looking at I'll probably I'll have to start.\n\nI'll probably I'm gonna try about $1,200 a week. Yep. Yep. No. It should be wrong.\n\nI've got I've got a bit there. I've got a bit, don't know, nearly 80,000 in the bank there now. So it should be because I got a got a $12,000 payout, and and then I've got to get a long service. Oh, that's only a couple of weeks, but that's that's a bit of money. So I'm gonna ring them up yet.\n\nI've been waiting to for this Telstra to come back online and that and give them a ring and yeah. Yeah. But and and and say, like, you know, say you're gonna put me on that 1,200 a week. And if I wanna lump sum, I'll just ring things up and say, look, I need this is what I need. Is that a lot?\n\nOil. Yep. Yep. Yep. Yep.\n\nYeah. For sure. Yeah. Yeah. The although I'm gonna do it, like I said, I'll get I'll draw this pension, and I've got I've got a few assets in that that I can sell when I'm finished.\n\nDon't like like, I've got a pretty good I've got a boat there with, like, 250,000. I can sell it, like, as we as, like, in a few years' time when we don't use it anymore, we'll just sell it. And it's a boat that holds its value to you. And then I've also got a block of land with a shed on it. That's probably it's worth somewhere between $3.30 and 400,000 as well.\n\nSo I'm gonna yeah. You gradually get rid of stuff. Yep. Yeah. Well, it's hard.\n\nYeah. It'd be between $3.30 and 400,000. But that's a rough figure. Yeah. Because sheds are tripled, I think, since I build it, I think they said.\n\n25,000? No. $10.50? Not right. Yeah.\n\nYeah. The 10 is worth probably roughly 45. Yeah. Yeah. We got three, actually.\n\nGot a $100,160, and we got the RAV. It's worth around 45. We're gonna get rid of that later this year or early next year because I'm home there. And the crew my cruise is worth about roughly 60. Yeah.\n\nYeah. No. It's saying that right. Yep. Land Cruiser yeah.\n\nYou yeah. It's a Toyota Land Cruiser 300. No. No. We'll keep the u in the in the 300.\n\nYeah. Because I well, I could tow boats on it. Yeah. Yeah. No.\n\nIt's gone up. They well, I don't know. I I had a real estate person here, and they they were talking, like, 1.6. Things are going well, we live at a beach, and, yeah, things just get really rippling. It's a pretty big home and a big shed and whether I get that or not, but that's what she says.\n\nI haven't had a valuation. It was just from a real estate person. And I just said because it see, this house is actually big, Yeah. And it's got a it's got a real big shed on it that'll house two big boats. So that's that's the biggest thing for down here.\n\nPeople people have houses along the front, along the beach, and they can't sell them. Well, they can sell them, but it takes a lot of price off because they can't get access to a big shed and they haven't got a big shed. So that's why everyone has a boat down there pretty much. So that adds yeah. Right.\n\nYeah. I'll put 1.5. I'll put 1.5. Yeah. Yeah.\n\nYeah. That's wrong. No. No dits. Yep.\n\nYep. Yep. Yeah. That's it. Yep.\n\nWell, she's actually on a pension because she's been cooked for a few years, and she's on a oh, well, she's on a a loss of income, you know, with that with her insurance. So she gets paid till she's 65. Yeah. It's a pretty good one, actually. Yeah.\n\nOn income protection. Yeah. Because their doctors have all they said, yeah, they've all signed off, and they said you won't be god's yeah. They said you won't be working again. And Yeah.\n\nThat's right. Yeah. No. Well, she's got her own thing. Oh, well, you know, we sorted out, so that's alright.\n\nWell, as far as I know, because I can't they probably can't send emails and that like, I never even got an email saying I just looked at my bank and the money was in there. I haven't got any correspondence or anything. Probably because they're all because they're out west. See, they're probably all out. They're probably down out there.\n\nYes. Yeah. They should. But like I said, they're probably they're out west at the Barnes. They're probably they probably can't do anything out there because, you know, that much bloody trouble here.\n\nBut, yeah, they'll definitely they'll definitely they'll definitely send all that in. They actually their company is actually getting ordered at the moment. So Golding's there, they're getting something. My my my told me, he said they're getting ordered because they underpaid him a bit on his holidays and all that sort of stuff. Well, you never know.\n\nYeah. But see, what I've done, I said, just the initial payment. Yeah. I I told you before, but they said, your holidays and your payout, we can't put that in your super. Yeah.\n\nAnd, anyway so I've only just got a lump sum in my bank at the moment. That's all I've got, but they should email me with all the particulars and that. And and the only other thing the only other thing I'm gonna get a pay at well, I gotta I gotta get in touch with my loan service and get them to pay it out. Can you get that paid straight into your superannuation? Or yeah.\n\nI have to ask him. Yeah. I might keep yeah. I might just keep that in his bank. It's only it's only about two weeks, I think.\n\nSo I'll I'll probably it won't be worth the hassle, I don't think, doing the super. But yeah. And I'll just put it straight into my bank account, I think. Yeah. Yeah.\n\nRight about that. Yeah. It's under? Yep. Yep.\n\nYeah. That's all. Yep. Mhmm. Yeah.\n\nYou should do that. Yep. Mhmm. Mhmm. Yeah.\n\nYep. Sounds good. Yep. Mhmm. Yep.\n\nYeah. Yeah. For sure. Yeah. No.\n\nThat sounds good. Yep. Yep. Yep. Yep.\n\nYep. Shares. They are I still got some AMP or resolution of this because they got them given to us through my yeah. I've never actually I don't think I've actually bought shares, but I've had share whatever shares I've had, they haven't been worth anything really. Yeah.\n\nMy car is Sugar. Yeah. I have this. Yeah. Well, they took me out of a lot of higher risk there before because it takes you if it drops you, it takes you seven years to recover it, don't it, or something?\n\nYeah. And I yeah. They took me out a lot of the high risk stuff there. Was that a couple of years ago or something? So what yeah.\n\nSo what would be what? Mediacally, like, in the middle there or what do you think? Yeah. Yep. Oh, I think I'll just ring these up and see what you reckon.\n\nYou're the expert? Yep. Yep. Well, you probably just gotta wait for the recovery, I would imagine, because I'm not gonna so maybe you take it out and put it into a bank account and go buy something. No.\n\nI've been there and done that. Yeah. Well, I'll be optimistic that it come oh, sorry. Yeah. I'd be I'd be up that's why I didn't put all my money into that because that's why I built that shed, bought that I've got that block cheap.\n\nThat's why I've and and it's only cost me I haven't added it all up yet, but it's probably cost oh, shit. I could probably make a couple 100,000 on what it's cost me to build it. That's why I've that's why I've haven't put all I could've put a lot more money in to see if it better now. Put something to real estate. Yeah.\n\nOh, no. It's I'll just put a share in toilet in it, and I've got it I've got it set up. So if I wanna sell it, people can back a caravan and live in it pretty much. But no. Well, see, I need it.\n\nI love I store new boats and that out there. In the like I said, in the future, like, it might be it's probably quite a few years' time. Like, once that big boat goes, and then I won't need to shed then, then I'll then when it's yeah. So anyway, when it's when it's time, I'll it it'll be quite a few years before I sell that shed in case something exceptionally bad happens. But yeah.\n\nBecause, you know, you might you might become you might come across health problems and stuff like that. You might have to sell all that stuff. That's it. Yeah. Yeah.\n\nThat's right. Yeah. And and and by then, I'd be could I I could probably just and you could probably, like, if you want to put it back in the like, some of it in the super, couldn't you? Yeah. Yep.\n\nYeah. That's yeah. That's right. Because I wouldn't sell it all at lunch because it'd be too much money. The tax man would like me too much.\n\nYeah. That's right. Not wrong. Yeah. Mhmm.\n\nMhmm. Yeah. Mhmm. Yeah. No.\n\nThat sounds alright. That sounds alright. Hang on. Mhmm. Yep.\n\nYep. Yep. Yep. Mhmm. Yeah.\n\nYep. Yep. Yeah. That's it. Yes.\n\nNo. No. No. I wanna keep that till 2030. It's about is it's about is it ninety seventh there?\n\nWhat is it? 90 the payout? 90 yep. Yeah. Yeah.\n\nI was gonna let that go through till 2030, so then sort it out then there. Yes. Yep. 90. Right.\n\nYep. But, yeah, it's today. Yeah. That's the next one. Yeah.\n\nThat's yeah. We started that when we were kids. Like, I don't know. Yeah. I don't know where I think it was mom's auntie and uncle done it for us, I think.\n\nYeah. I said to my sister about it. She said, oh, no. I got mine paid out years ago. And I said, well, mine's gonna be worth nearly a $100 in 2013.\n\nShe said, oh my god. Oh. Yeah. Yep. Yeah.\n\nYeah. Yeah. Benice Bradford. Yeah. I think I I did not did I have that?\n\nI had that sorted, didn't I? Yeah. Yeah. Yep. Okay.\n\nMhmm. Me too. Oh, that thing. Yeah. Work weekends mostly lost, so that's it.\n\nI'm done. Oh, well, like I said, I got still got plenty of work, but, yeah, it will certainly be something I like doing. That's right. Yep. That's all.\n\nYeah. We've just done them I've just done mine early this year. I think I got finalized. Yeah. It's it's there.\n\nNo. I've done the yeah. I've done it up the pair of attorney. I no. I can't even remember who I because she's got four kids.\n\nSo and her oldest one, she's, like, right up with all that. I don't even know who it is. I'd have to have a look. Yeah. Yeah.\n\nYeah. Everything yeah. We got it all done and finalized. It got finalized in January or February or something. Yeah.\n\nYep. Yep. Thirty or forty? Jeez. That'd be alright.\n\nOh, about forty. Yeah. We'll see how that one's. No. No.\n\nI've got a I had the accident insurance with, like, your loss income and that with resolution. And we've we've got that sorted, so I still got trauma and life insurance with them. It's about $100,143 dollars. It's coming down to a $143 a month. So that's all.\n\nYeah. The trauma's 50, and I think the that's a 100. Yeah. Yeah. 143 a month, it is.\n\nYeah. Yeah. I've gone through well, I've always gone through a broker. So Yep. Yep.\n\nYep. Yeah. I've got this thing here. Just trying to find them. It's good if they give it the bloody policy.\n\nAnd where is it? It's life covers a 110 where yeah. Life cover is is 110 and the trauma is 50. I just gotta get the right where is it? I've got policy numbers here, but I want you to get I want the right I gotta get the right one because yes.\n\nSo we still got the policy number for the other one as well. What let's find a thing. Let's see. Yeah. Right.\n\nHe's he's giving me all the paperwork here. You think the policy number would be on the front, but it's not. Yeah. It's just it's just got all the stuff about in there with the a IMAFA. That's who that's who his company is.\n\nYeah. Yeah. He's he's yep. Yep. We've just that's what that's what we just all done.\n\nThat's what we done and what? Mhmm. This is Yeah. Yeah. No.\n\nWe yeah. We yeah. I told I spoke to him on the phone. I've been with him for quite a few years. He's he's pretty good.\n\nYeah. I I thought it was all here, but it's just all to do with the policy. It's hasn't even got the bloody policy number on it. But I'll have it on the I'll have it in an email, I imagine. Yes.\n\nYeah. You are. Alright. Here we go. Account number?\n\nNo. The account number you want? It's got the part it hasn't got policy numbers. It's got account number, but it's a it's the same thing with it. P 811 4116 12.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nNo worries. Mhmm. No. No. Yeah.\n\nYeah. No. No. No. Actually, no.\n\nIt yeah. So yeah. No worries. Yeah. No worries.\n\nWhat do you want me? License or something? Yeah. Righto. Yep.\n\nAlright. Mhmm. Yeah. That's about it. And when we ring next time, that's when we're gonna start doing the money thing, isn't it?\n\nThe pension slip. Yeah. Yep. Right. Okeydoke.\n\nSo I'll just sign what you sent me and then send my send my license back as well. Mhmm. Alright. No worries. The sixth.\n\nWell, Monday. The sixth, was it? The sixth is that. Yep. Alright.\n\nThanks very much for your help. Thank you. Alright. See you later. Alright.","paragraphs":[{"sentences":[{"text":"Good day, though.","start":4.64,"end":5.62,"sentiment":"positive","sentiment_score":0.40522757172584534},{"text":"Thank you.","start":6.24,"end":6.98,"sentiment":"positive","sentiment_score":0.5779809057712555},{"text":"Yeah.","start":12.799999,"end":13.28,"sentiment":"neutral","sentiment_score":-0.0015419572591781616},{"text":"At at my house here, it's been fine, and I've been sitting around here till about half past ten.","start":13.28,"end":18.095,"sentiment":"neutral","sentiment_score":0.01385246217250824},{"text":"I had to get down the road for ten minutes, and where I went was SOS.","start":18.095,"end":21.635,"sentiment":"neutral","sentiment_score":-0.030521733104251325}],"sentiment":"neutral","sentiment_score":0.052315893196841566,"num_words":41,"start":4.64,"end":21.635},{"sentences":[{"text":"And then I got back here, and that's when I missed this.","start":22.735,"end":25.055,"sentiment":"neutral","sentiment_score":-0.05950355172778169},{"text":"Because I was supposed to be 08:30 this morning when I was sitting around.","start":25.055,"end":28.195,"sentiment":"neutral","sentiment_score":-0.0328043077939323},{"text":"Well, I know everyone's got trouble.","start":28.55,"end":29.83,"sentiment":"neutral","sentiment_score":-0.06849327310919762},{"text":"You know?","start":29.83,"end":30.49,"sentiment":"neutral","sentiment_score":-0.09941999614238739},{"text":"Yeah.","start":30.949999,"end":31.449999,"sentiment":"neutral","sentiment_score":-0.06525027751922607}],"sentiment":"neutral","sentiment_score":-0.0528100810945034,"num_words":35,"start":22.735,"end":31.449999},{"sentences":[{"text":"Yeah.","start":44.475,"end":44.715,"sentiment":"neutral","sentiment_score":0.07404111325740814},{"text":"No worries.","start":44.715,"end":45.535,"sentiment":"neutral","sentiment_score":0.08019684255123138},{"text":"Yeah.","start":50.075,"end":50.475,"sentiment":"neutral","sentiment_score":0.08878925442695618},{"text":"Yep.","start":50.475,"end":50.975,"sentiment":"neutral","sentiment_score":0.10271109640598296},{"text":"No worries.","start":51.195,"end":51.934998,"sentiment":"neutral","sentiment_score":0.2225934937596321}],"sentiment":"neutral","sentiment_score":0.12444601953029633,"num_words":7,"start":44.475,"end":51.934998},{"sentences":[{"text":"Mhmm.","start":56.600002,"end":57.100002,"sentiment":"neutral","sentiment_score":0.07760278880596161},{"text":"I've got my iPad upstairs if you want.","start":73.244995,"end":75.564995,"sentiment":"neutral","sentiment_score":0.014151063747704029},{"text":"But Yeah.","start":75.564995,"end":77.985,"sentiment":"neutral","sentiment_score":0.049250390380620956},{"text":"Yeah.","start":80.685,"end":81.185,"sentiment":"neutral","sentiment_score":0.0942474901676178},{"text":"Yeah.","start":84.365,"end":84.865,"sentiment":"neutral","sentiment_score":0.09356588870286942}],"sentiment":"neutral","sentiment_score":0.036701958339947924,"num_words":13,"start":56.600002,"end":84.865},{"sentences":[{"text":"Yeah.","start":87.36,"end":87.86,"sentiment":"neutral","sentiment_score":0.09380124509334564},{"text":"Yeah.","start":88.32,"end":88.82,"sentiment":"neutral","sentiment_score":0.12163978815078735},{"text":"Better.","start":89.28,"end":89.78,"sentiment":"neutral","sentiment_score":0.14112016558647156},{"text":"Yeah.","start":89.92,"end":90.24,"sentiment":"neutral","sentiment_score":0.1684800684452057},{"text":"No worries.","start":90.24,"end":90.979996,"sentiment":"neutral","sentiment_score":0.13247770816087723}],"sentiment":"neutral","sentiment_score":0.13166611393292746,"num_words":6,"start":87.36,"end":90.979996},{"sentences":[{"text":"Yep.","start":101.705,"end":102.205,"sentiment":"neutral","sentiment_score":0.08499298989772797},{"text":"I've finished work.","start":102.505,"end":103.965,"sentiment":"neutral","sentiment_score":0.15107249220212302},{"text":"I pulled the pin out there.","start":104.424995,"end":105.884995,"sentiment":"positive","sentiment_score":0.44049353897571564},{"text":"And I tried to get in I looked at it a couple of weeks ago, and I had 17 hundred and 700 and 17000.","start":107.625,"end":113.625,"sentiment":"neutral","sentiment_score":0.057035306158165135},{"text":"I tried to get in this morning, but I couldn't get a code back from Telstra.","start":113.625,"end":117.36,"sentiment":"neutral","sentiment_score":-0.05209397280123085}],"sentiment":"neutral","sentiment_score":0.07433030966669321,"num_words":50,"start":101.705,"end":117.36},{"sentences":[{"text":"Like, I couldn't get a code back to get into it.","start":117.36,"end":119.46,"sentiment":"neutral","sentiment_score":-0.04108064452355558},{"text":"Yeah.","start":122.71999,"end":123.119995,"sentiment":"neutral","sentiment_score":0.02013358473777771},{"text":"Yeah.","start":123.119995,"end":123.52,"sentiment":"neutral","sentiment_score":0.027755066752433777},{"text":"Yeah.","start":123.52,"end":123.67999,"sentiment":"neutral","sentiment_score":0.03256428241729736},{"text":"Yeah.","start":123.67999,"end":124.17999,"sentiment":"neutral","sentiment_score":0.039294227957725525}],"sentiment":"neutral","sentiment_score":-0.0221426618595918,"num_words":15,"start":117.36,"end":124.17999},{"sentences":[{"text":"Nice.","start":136.685,"end":137.185,"sentiment":"neutral","sentiment_score":0.10370490700006484},{"text":"Yeah.","start":138.525,"end":138.845,"sentiment":"neutral","sentiment_score":0.05449759587645531},{"text":"Well, it said 717 about two weeks ago.","start":138.845,"end":141.985,"sentiment":"neutral","sentiment_score":0.03148486674763262},{"text":"Three weeks ago or something.","start":142.525,"end":143.825,"sentiment":"neutral","sentiment_score":0.13083817064762115},{"text":"Yeah.","start":144.47,"end":144.79001,"sentiment":"neutral","sentiment_score":-0.0034750178456306458}],"sentiment":"neutral","sentiment_score":0.06629982951562852,"num_words":16,"start":136.685,"end":144.79001},{"sentences":[{"text":"That's good.","start":144.79001,"end":145.51001,"sentiment":"neutral","sentiment_score":-0.023393254727125168},{"text":"That's better.","start":145.51001,"end":146.41,"sentiment":"neutral","sentiment_score":0.2055126577615738},{"text":"Yeah.","start":147.27,"end":147.77,"sentiment":"neutral","sentiment_score":0.12845730781555176},{"text":"Yeah.","start":153.59,"end":154.09,"sentiment":"neutral","sentiment_score":0.05760970711708069},{"text":"Yep.","start":154.15001,"end":154.65001,"sentiment":"neutral","sentiment_score":0.0519719272851944}],"sentiment":"neutral","sentiment_score":0.08603967832667488,"num_words":7,"start":144.79001,"end":154.65001},{"sentences":[{"text":"That's it.","start":160.795,"end":161.355,"sentiment":"neutral","sentiment_score":0.03568601794540882},{"text":"Yep.","start":161.355,"end":161.855,"sentiment":"neutral","sentiment_score":0.05288412794470787},{"text":"The last pay was was it Monday?","start":167.275,"end":170.095,"sentiment":"neutral","sentiment_score":0.0036101591374192916},{"text":"Yeah.","start":170.235,"end":170.735,"sentiment":"neutral","sentiment_score":0.1025604009628296},{"text":"Well, I've got a few things.","start":185.315,"end":186.675,"sentiment":"neutral","sentiment_score":-0.03881054061154524}],"sentiment":"neutral","sentiment_score":0.0011308491230010986,"num_words":17,"start":160.795,"end":186.675},{"sentences":[{"text":"We're going away on a trip in another four weeks.","start":186.675,"end":189.335,"sentiment":"neutral","sentiment_score":-0.03211075561121106},{"text":"And, oh, that's nearly all paid for, but, yeah, of course, you're gonna have spending money in it.","start":190.115,"end":196.05501,"sentiment":"neutral","sentiment_score":0.020131967754827604},{"text":"Yeah.","start":197.28,"end":197.4,"sentiment":"neutral","sentiment_score":0.0343368835747242},{"text":"I might give it a couple of weeks till I start because I just paid I I paid the I got the remainder of me pay put into me super, and then they but the holidays that they had to they had to put it into me bank.","start":197.4,"end":210.73999,"sentiment":"neutral","sentiment_score":-0.008797184680588543},{"text":"Yeah.","start":211.67499,"end":212.17499,"sentiment":"neutral","sentiment_score":0.026659943163394928}],"sentiment":"neutral","sentiment_score":-0.0041025663391710855,"num_words":78,"start":186.675,"end":212.17499},{"sentences":[{"text":"Because they couldn't do it, but they couldn't put it in me.","start":212.235,"end":214.635,"sentiment":"negative","sentiment_score":-0.46892840911944705},{"text":"So they told me.","start":214.635,"end":215.935,"sentiment":"neutral","sentiment_score":-0.309513121843338},{"text":"And then yeah.","start":216.635,"end":217.435,"sentiment":"neutral","sentiment_score":-0.1293720230460167},{"text":"Anyway yeah.","start":217.435,"end":218.795,"sentiment":"neutral","sentiment_score":0.13250621408224106},{"text":"So yeah.","start":218.795,"end":220.155,"sentiment":"neutral","sentiment_score":0.17172902077436447}],"sentiment":"neutral","sentiment_score":-0.2889060433144155,"num_words":23,"start":212.235,"end":220.155},{"sentences":[{"text":"I reckon in a couple of weeks, I'll wanna I'll start drawing on it.","start":220.155,"end":224.31499,"sentiment":"neutral","sentiment_score":0.23172444105148315},{"text":"And I'll yeah.","start":224.31499,"end":225.61499,"sentiment":"neutral","sentiment_score":0.2147383689880371},{"text":"And then I'll I'll just set a figure now, and then and then when I get back from holidays and that because, like, when I get back, I don't know, this year I might I'll start doing better work.","start":225.74,"end":235.58,"sentiment":"neutral","sentiment_score":0.04543235910704169},{"text":"It'll be mainly cash.","start":235.58,"end":236.8,"sentiment":"neutral","sentiment_score":0.05413234233856201},{"text":"Yeah.","start":237.82,"end":238.32,"sentiment":"neutral","sentiment_score":0.12780369818210602}],"sentiment":"neutral","sentiment_score":0.09843528449829271,"num_words":61,"start":220.155,"end":238.32},{"sentences":[{"text":"But I want Christmas.","start":239.035,"end":240.655,"sentiment":"neutral","sentiment_score":0.1731684599071741},{"text":"I got a few payments coming up, like, you know, like insurances and all that.","start":240.875,"end":244.735,"sentiment":"neutral","sentiment_score":0.03144776945312818},{"text":"Yeah.","start":245.115,"end":245.615,"sentiment":"neutral","sentiment_score":0.10510341823101044},{"text":"Well, I was gonna do weekly.","start":252.48,"end":254.98,"sentiment":"neutral","sentiment_score":0.03518911451101303},{"text":"Can I can I when I change that, can I change that on the on my app, or if I could ring you guys?","start":255.76,"end":261.78,"sentiment":"neutral","sentiment_score":0.04199862449119488}],"sentiment":"neutral","sentiment_score":0.0497719094902277,"num_words":50,"start":239.035,"end":261.78},{"sentences":[{"text":"Yeah.","start":264.32,"end":264.72,"sentiment":"neutral","sentiment_score":0.12988442182540894},{"text":"Got it.","start":264.72,"end":265.46,"sentiment":"neutral","sentiment_score":0.14667940512299538},{"text":"Yep.","start":282.91,"end":283.41,"sentiment":"neutral","sentiment_score":0.2934223413467407},{"text":"Mhmm.","start":296.91,"end":297.41,"sentiment":"neutral","sentiment_score":0.0668056383728981},{"text":"Yeah.","start":314.44,"end":314.94,"sentiment":"neutral","sentiment_score":0.005691606551408768}],"sentiment":"neutral","sentiment_score":0.1315271363904079,"num_words":6,"start":264.32,"end":314.94},{"sentences":[{"text":"Because I wanna yeah.","start":316.44,"end":318.04,"sentiment":"neutral","sentiment_score":-0.020189376547932625},{"text":"I've got a plumbing to do a job here.","start":318.04,"end":319.64,"sentiment":"neutral","sentiment_score":-0.0759889032277796},{"text":"It's probably gonna cost about 4 or $5,000.","start":319.64,"end":322.14,"sentiment":"neutral","sentiment_score":-0.0669612386263907},{"text":"And, yeah, I've got a bid I've got a I've got a bid in the bank, But I wanna we're going away on the August 11, and I want everything finalized and get it getting a bit of money in the bank before I go away.","start":322.68,"end":335.675,"sentiment":"neutral","sentiment_score":-0.060132745855852314},{"text":"Because we're we're going away for a 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then.","start":364.405,"end":365.70502,"sentiment":"neutral","sentiment_score":0.18485569581389427},{"text":"Yeah.","start":373.35,"end":373.67,"sentiment":"neutral","sentiment_score":0.027700869366526604},{"text":"08:30 in the well, what can we do?","start":373.67,"end":375.43,"sentiment":"neutral","sentiment_score":0.02169494074769318},{"text":"08:30?","start":375.43,"end":376.17,"sentiment":"neutral","sentiment_score":0.01922624371945858},{"text":"Yep.","start":380.23,"end":380.73,"sentiment":"neutral","sentiment_score":0.07964053750038147}],"sentiment":"neutral","sentiment_score":0.06930333065489928,"num_words":15,"start":364.405,"end":380.73},{"sentences":[{"text":"Thursday is the '20 twenty twenty third, 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think.","start":1085.495,"end":1087.98,"sentiment":"neutral","sentiment_score":-0.006318402373128467}],"sentiment":"neutral","sentiment_score":-0.004531905675927798,"num_words":27,"start":1070.28,"end":1087.98},{"sentences":[{"text":"So I'll I'll probably it won't be worth the hassle, I don't think, doing the super.","start":1088.46,"end":1091.9199,"sentiment":"neutral","sentiment_score":-0.05082433967618272},{"text":"But yeah.","start":1091.98,"end":1092.38,"sentiment":"neutral","sentiment_score":0.009454340673983097},{"text":"And I'll just put it straight into my bank account, I 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all.","start":1119.7999,"end":1120.46,"sentiment":"neutral","sentiment_score":0.10595444217324257},{"text":"Yep.","start":1129.88,"end":1130.38,"sentiment":"neutral","sentiment_score":0.2262359708547592},{"text":"Mhmm.","start":1136.5751,"end":1137.0751,"sentiment":"neutral","sentiment_score":0.10030180215835573},{"text":"Yeah.","start":1161.975,"end":1162.215,"sentiment":"neutral","sentiment_score":0.07521402835845947}],"sentiment":"neutral","sentiment_score":0.1332391438384851,"num_words":6,"start":1119.4,"end":1162.215},{"sentences":[{"text":"You should do 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that a couple of years ago or something?","start":1411.085,"end":1412.945,"sentiment":"neutral","sentiment_score":-0.088674519624975},{"text":"So what yeah.","start":1413.8049,"end":1418.88,"sentiment":"neutral","sentiment_score":-0.07093562744557858}],"sentiment":"neutral","sentiment_score":-0.09023367766556996,"num_words":28,"start":1407.165,"end":1418.88},{"sentences":[{"text":"So what would be what?","start":1419.1,"end":1423.2,"sentiment":"neutral","sentiment_score":-0.007698025181889534},{"text":"Mediacally, like, in the middle there or what do you think?","start":1423.26,"end":1426.4,"sentiment":"neutral","sentiment_score":-0.004851126281375235},{"text":"Yeah.","start":1428.165,"end":1428.665,"sentiment":"neutral","sentiment_score":0.057009801268577576},{"text":"Yep.","start":1430.2451,"end":1430.7451,"sentiment":"neutral","sentiment_score":0.14748474955558777},{"text":"Oh, I think I'll just ring these up and see what you 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what?","start":2455.96,"end":2457.26,"sentiment":"neutral","sentiment_score":0.11163906132181485},{"text":"Mhmm.","start":2464.425,"end":2464.925,"sentiment":"neutral","sentiment_score":0.10922818630933762},{"text":"This is Yeah.","start":2473.225,"end":2476.425,"sentiment":"neutral","sentiment_score":0.22690168023109436},{"text":"Yeah.","start":2476.425,"end":2476.745,"sentiment":"neutral","sentiment_score":0.13005483150482178},{"text":"No.","start":2476.745,"end":2476.985,"sentiment":"neutral","sentiment_score":0.09581267088651656}],"sentiment":"neutral","sentiment_score":0.14046959144373736,"num_words":12,"start":2455.96,"end":2476.985},{"sentences":[{"text":"We yeah.","start":2476.985,"end":2477.77,"sentiment":"neutral","sentiment_score":0.09734400361776352},{"text":"We yeah.","start":2477.77,"end":2478.57,"sentiment":"neutral","sentiment_score":0.10780925303697586},{"text":"I told I spoke to him on the phone.","start":2478.57,"end":2479.9302,"sentiment":"neutral","sentiment_score":0.1738158795568678},{"text":"I've been with him for quite a few years.","start":2479.9302,"end":2481.37,"sentiment":"neutral","sentiment_score":0.21329673793580797},{"text":"He's he's pretty good.","start":2481.37,"end":2482.75,"sentiment":"positive","sentiment_score":0.518087588250637}],"sentiment":"neutral","sentiment_score":0.22948732399023497,"num_words":26,"start":2476.985,"end":2482.75},{"sentences":[{"text":"Yeah.","start":2487.1301,"end":2487.53,"sentiment":"neutral","sentiment_score":0.08539078384637833},{"text":"I I thought it was all here, but it's just all to do with the policy.","start":2487.53,"end":2491.1301,"sentiment":"neutral","sentiment_score":0.003565465216524899},{"text":"It's hasn't even got the bloody policy number on it.","start":2491.1301,"end":2494.225,"sentiment":"neutral","sentiment_score":-0.05125200301408768},{"text":"But I'll have it on the I'll have it in an email, I imagine.","start":2495.0051,"end":2499.3452,"sentiment":"neutral","sentiment_score":0.043673114119363685},{"text":"Yes.","start":2511.77,"end":2512.27,"sentiment":"neutral","sentiment_score":0.12176601588726044}],"sentiment":"neutral","sentiment_score":0.00864542406495838,"num_words":42,"start":2487.1301,"end":2512.27},{"sentences":[{"text":"Yeah.","start":2512.41,"end":2512.65,"sentiment":"neutral","sentiment_score":0.15349188446998596},{"text":"You are.","start":2512.65,"end":2513.3098,"sentiment":"neutral","sentiment_score":0.16656316071748734},{"text":"Alright.","start":2530.7449,"end":2531.145,"sentiment":"neutral","sentiment_score":0.06432376801967621},{"text":"Here we go.","start":2531.145,"end":2531.965,"sentiment":"neutral","sentiment_score":0.0352607195576032},{"text":"Account number?","start":2534.265,"end":2535.165,"sentiment":"neutral","sentiment_score":0.015003899112343788}],"sentiment":"neutral","sentiment_score":0.076303547869126,"num_words":9,"start":2512.41,"end":2535.165},{"sentences":[{"text":"No.","start":2538.34,"end":2538.58,"sentiment":"neutral","sentiment_score":-0.012511448934674265},{"text":"The account number you want?","start":2538.58,"end":2541.8801,"sentiment":"neutral","sentiment_score":-0.004424751922488213},{"text":"It's got the part it hasn't got policy numbers.","start":2542.02,"end":2544.58,"sentiment":"neutral","sentiment_score":-0.004294033058815532},{"text":"It's got account number, but it's a it's the same thing with it.","start":2544.58,"end":2547.615,"sentiment":"neutral","sentiment_score":0.00293593153429146},{"text":"P 811 4116 12.","start":2557.135,"end":2566.08,"sentiment":"neutral","sentiment_score":0.02611387404613197}],"sentiment":"neutral","sentiment_score":0.0021669093766831793,"num_words":32,"start":2538.34,"end":2566.08},{"sentences":[{"text":"Yeah.","start":2572.78,"end":2573.28,"sentiment":"neutral","sentiment_score":0.08355739712715149},{"text":"Yeah.","start":2573.82,"end":2574.32,"sentiment":"neutral","sentiment_score":0.10428494960069656},{"text":"Yep.","start":2591.9,"end":2592.22,"sentiment":"neutral","sentiment_score":0.09844108670949936},{"text":"Yep.","start":2592.22,"end":2592.72,"sentiment":"neutral","sentiment_score":0.108877494931221},{"text":"Mhmm.","start":2596.14,"end":2596.5398,"sentiment":"neutral","sentiment_score":0.01587493345141411}],"sentiment":"neutral","sentiment_score":0.08220717236399651,"num_words":5,"start":2572.78,"end":2596.5398},{"sentences":[{"text":"No worries.","start":2596.5398,"end":2597.2798,"sentiment":"neutral","sentiment_score":0.021181117743253708},{"text":"Mhmm.","start":2616.9102,"end":2617.4102,"sentiment":"neutral","sentiment_score":0.05163327977061272},{"text":"No.","start":2644.76,"end":2645.08,"sentiment":"neutral","sentiment_score":-0.05894917994737625},{"text":"No.","start":2645.08,"end":2645.58,"sentiment":"neutral","sentiment_score":-0.05580442398786545},{"text":"Yeah.","start":2645.8,"end":2646.3,"sentiment":"neutral","sentiment_score":-0.031460002064704895}],"sentiment":"neutral","sentiment_score":-0.008703015123804411,"num_words":6,"start":2596.5398,"end":2646.3},{"sentences":[{"text":"Yeah.","start":2646.52,"end":2646.76,"sentiment":"neutral","sentiment_score":-0.02759791538119316},{"text":"No.","start":2646.76,"end":2647.26,"sentiment":"neutral","sentiment_score":-0.05249901860952377},{"text":"No.","start":2648.84,"end":2649.24,"sentiment":"neutral","sentiment_score":-0.03313840180635452},{"text":"No.","start":2649.24,"end":2649.32,"sentiment":"neutral","sentiment_score":-0.02244773507118225},{"text":"Actually, no.","start":2649.32,"end":2650.22,"sentiment":"neutral","sentiment_score":-0.012644870206713676}],"sentiment":"neutral","sentiment_score":-0.026828801880280178,"num_words":6,"start":2646.52,"end":2650.22},{"sentences":[{"text":"It yeah.","start":2650.84,"end":2653.0,"sentiment":"neutral","sentiment_score":0.08517205156385899},{"text":"So yeah.","start":2653.0,"end":2653.72,"sentiment":"neutral","sentiment_score":0.04336394742131233},{"text":"No worries.","start":2653.72,"end":2654.46,"sentiment":"neutral","sentiment_score":0.046988263726234436},{"text":"Yeah.","start":2669.65,"end":2669.89,"sentiment":"neutral","sentiment_score":0.00802364107221365},{"text":"No worries.","start":2669.89,"end":2670.53,"sentiment":"neutral","sentiment_score":0.010505303740501404}],"sentiment":"neutral","sentiment_score":0.042231419330669775,"num_words":9,"start":2650.84,"end":2670.53},{"sentences":[{"text":"What do you want me?","start":2670.53,"end":2671.41,"sentiment":"neutral","sentiment_score":-0.016623565927147865},{"text":"License or something?","start":2671.41,"end":2672.69,"sentiment":"neutral","sentiment_score":-0.02058072357128064},{"text":"Yeah.","start":2672.69,"end":2673.01,"sentiment":"neutral","sentiment_score":0.06077919900417328},{"text":"Righto.","start":2673.01,"end":2673.51,"sentiment":"neutral","sentiment_score":0.05695614963769913},{"text":"Yep.","start":2683.73,"end":2684.23,"sentiment":"neutral","sentiment_score":0.05512428283691406}],"sentiment":"neutral","sentiment_score":0.0025454210117459297,"num_words":11,"start":2670.53,"end":2684.23},{"sentences":[{"text":"Alright.","start":2711.44,"end":2711.94,"sentiment":"positive","sentiment_score":0.43070992827415466},{"text":"Mhmm.","start":2713.515,"end":2714.015,"sentiment":"neutral","sentiment_score":0.13042591512203217},{"text":"Yeah.","start":2750.895,"end":2751.135,"sentiment":"neutral","sentiment_score":0.01691916212439537},{"text":"That's about it.","start":2751.135,"end":2752.015,"sentiment":"neutral","sentiment_score":0.004628991397718589},{"text":"And when we ring next time, that's when we're gonna start doing the money thing, isn't it?","start":2752.015,"end":2756.85,"sentiment":"neutral","sentiment_score":0.004571971647879656}],"sentiment":"neutral","sentiment_score":0.02911589120555183,"num_words":23,"start":2711.44,"end":2756.85},{"sentences":[{"text":"The pension slip.","start":2756.85,"end":2758.07,"sentiment":"neutral","sentiment_score":0.03811742986241976},{"text":"Yeah.","start":2758.1301,"end":2758.6301,"sentiment":"neutral","sentiment_score":0.09592054784297945},{"text":"Yep.","start":2768.29,"end":2768.745,"sentiment":"neutral","sentiment_score":0.185621976852417},{"text":"Right.","start":2787.64,"end":2788.14,"sentiment":"neutral","sentiment_score":0.1476588249206543},{"text":"Okeydoke.","start":2791.64,"end":2792.14,"sentiment":"neutral","sentiment_score":0.2213636338710785}],"sentiment":"neutral","sentiment_score":0.10927389615348407,"num_words":7,"start":2756.85,"end":2792.14},{"sentences":[{"text":"So I'll just sign what you sent me and then send my send my license back as well.","start":2792.36,"end":2808.655,"sentiment":"neutral","sentiment_score":0.1485242061316967},{"text":"Mhmm.","start":2810.155,"end":2810.655,"sentiment":"neutral","sentiment_score":0.04716898500919342},{"text":"Alright.","start":2814.9,"end":2815.4,"sentiment":"neutral","sentiment_score":0.12426191568374634},{"text":"No worries.","start":2815.46,"end":2816.2,"sentiment":"neutral","sentiment_score":0.21012505888938904},{"text":"The sixth.","start":2822.66,"end":2823.4,"sentiment":"neutral","sentiment_score":0.01346765086054802}],"sentiment":"neutral","sentiment_score":0.13716883460680643,"num_words":24,"start":2792.36,"end":2823.4},{"sentences":[{"text":"Well, Monday.","start":2825.145,"end":2825.945,"sentiment":"neutral","sentiment_score":0.0241806423291564},{"text":"The sixth, was it?","start":2825.945,"end":2826.905,"sentiment":"neutral","sentiment_score":0.04028560779988766},{"text":"The sixth is that.","start":2826.905,"end":2828.845,"sentiment":"neutral","sentiment_score":0.0678656455129385},{"text":"Yep.","start":2841.76,"end":2842.26,"sentiment":"neutral","sentiment_score":0.22103886306285855},{"text":"Alright.","start":2846.4,"end":2846.9,"sentiment":"positive","sentiment_score":0.46087202429771423}],"sentiment":"neutral","sentiment_score":0.09690643210584919,"num_words":12,"start":2825.145,"end":2846.9},{"sentences":[{"text":"Thanks very much for your help.","start":2847.04,"end":2848.48,"sentiment":"positive","sentiment_score":0.8287990589936575},{"text":"Thank you.","start":2848.48,"end":2849.22,"sentiment":"positive","sentiment_score":0.7930228114128113},{"text":"Alright.","start":2851.52,"end":2852.0,"sentiment":"positive","sentiment_score":0.3746793866157532},{"text":"See you later.","start":2852.0,"end":2852.9,"sentiment":"positive","sentiment_score":0.3873850802580516},{"text":"Alright.","start":2855.353,"end":2855.853,"sentiment":"neutral","sentiment_score":-0.10753902047872543}],"sentiment":"positive","sentiment_score":0.6144719679768269,"num_words":13,"start":2847.04,"end":2855.853}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Darren. This is Dana. How are you this morning?\n\nChannel 1: Good day, though. Thank you.\n\nChannel 0: That's good. Thank you so much for calling us back. You've had some issues with Telstra too, I believe.\n\nChannel 1: Yeah. At at my house here, it's been fine, and I've been sitting around here till about half past ten. I had to get down the road for ten minutes, and where I went was SOS.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: wow.\n\nChannel 1: then I got back here, and that's when I missed this. Because I was supposed to be\n\nChannel 0: Yeah.\n\nChannel 1: 08:30 this morning when I was sitting around.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I know\n\nChannel 0: Yeah.\n\nChannel 1: everyone's\n\nChannel 0: Yeah.\n\nChannel 1: got trouble. You know? Yeah.\n\nChannel 0: No. That's understandable. That's absolutely fine. That's why we always try to give you a call. And if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back.\n\nAnd thank you so much for giving us a callback.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: No\n\nChannel 0: you have\n\nChannel 1: worries.\n\nChannel 0: some time now just to run through your interview, have a bit of a chat, and see how things are going for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No worries.\n\nChannel 0: Fantastic. All good. Now we do send out some annual review packs to you as well just for the documents\n\nChannel 1: Mhmm.\n\nChannel 0: that we are going through. Essentially, we're just gonna get my admin team member to kinda send those through to you just to email it through. Are you able to look at your emails at the moment, or you prefer just to run through things and have a look at the master?\n\nChannel 1: I've got my iPad upstairs if you want. But\n\nChannel 0: That's okay. It's completely up to\n\nChannel 1: Yeah.\n\nChannel 0: you. You're welcome to have a bit of a look later, and we can kinda go go through things\n\nChannel 1: Yeah.\n\nChannel 0: now. Do you want us to make it easier on you? I know you've had a a fun\n\nChannel 1: Yeah.\n\nChannel 0: time with technology already this morning.\n\nChannel 1: Yeah. Yeah. Better.\n\nChannel 0: All\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: No worries.\n\nChannel 0: Easy. Just as hard to get in your review before you kinda jump into things there, Darren. Is there anything particularly question wise you might have for us or anything specific you wanted me to sort of touch base on for you?\n\nChannel 1: Yep. I've finished work. I pulled the\n\nChannel 0: Oh,\n\nChannel 1: pin out\n\nChannel 0: fantastic.\n\nChannel 1: there.\n\nChannel 0: Excellent.\n\nChannel 1: And I tried to get in I looked at it a couple of weeks ago, and I had 17 hundred and 700 and 17000. I tried to get in this morning, but I couldn't get a code back from Telstra. Like, I couldn't get a code back to get into it.\n\nChannel 0: Oh, is that for your Netwealth yeah. Superfund?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. You will. I'll give I'll give you the balance now. So your balance as of the July 7, which is when we did the documents up for you, is 744,370 and 40¢.\n\nChannel 1: Nice.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Well, it said 717 about two weeks ago. Three weeks\n\nChannel 0: Fantastic.\n\nChannel 1: ago or something. Yeah. That's\n\nChannel 0: No.\n\nChannel 1: good.\n\nChannel 0: Oh, good.\n\nChannel 1: That's better.\n\nChannel 0: It is.\n\nChannel 1: Yeah.\n\nChannel 0: It is. So now you have fully finished work. Are you wanting to maybe start drawing a pension out of your super?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Beautiful. And just double checking. So age, you're 61 this year in November, so 60 now?\n\nChannel 1: That's it. Yep.\n\nChannel 0: Yep. Beautiful. And how long ago did you finish work?\n\nChannel 1: The last pay was was it Monday? Yeah.\n\nChannel 0: Oh, fantastic. Did you get any kind of, like, long service leave, sick leave not sick leave, but long service leave or annual leave kinda paid out to give you a bit of a buffer before that pension sort of starts? Or how long do you think before you would need to start receiving a pension?\n\nChannel 1: Well, I've got a few things. We're going away on a trip in another four weeks.\n\nChannel 0: Yep.\n\nChannel 1: And, oh, that's nearly all paid for, but, yeah, of course, you're gonna have spending money in it.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. I might give it a couple of weeks till\n\nChannel 0: Okay.\n\nChannel 1: I start because I just paid I I paid the I got the remainder of me pay put into me super, and then they but the holidays that they had to they had to put it into me bank.\n\nChannel 0: Yes. Right.\n\nChannel 1: Yeah. Because they couldn't do it, but they couldn't put it in me. So they told me.\n\nChannel 0: Yeah.\n\nChannel 1: And then\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: Anyway yeah. So yeah. I reckon in a couple of weeks, I'll wanna I'll start drawing on it. And I'll yeah. And then I'll I'll just set a figure now,\n\nChannel 0: Yeah.\n\nChannel 1: and then and then when I get back from holidays and that because, like, when I get back, I don't know, this year I might I'll start doing better work. It'll be mainly cash.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. But\n\nChannel 0: So\n\nChannel 1: I want\n\nChannel 0: you're still having\n\nChannel 1: Christmas.\n\nChannel 0: a little\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: got\n\nChannel 0: of money.\n\nChannel 1: a few payments coming up, like, you know, like insurances\n\nChannel 0: Yeah.\n\nChannel 1: and all that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. How much do you think you're gonna need to draw out a super on a weekly, fortnightly, or monthly basis to live on?\n\nChannel 1: Well, I was gonna do weekly. Can I can I when I change that, can I change that on the on my app, or if I could ring you guys?\n\nChannel 0: Mhmm. If we do a wing for you. So\n\nChannel 1: Yeah.\n\nChannel 0: what we'll\n\nChannel 1: Got it.\n\nChannel 0: do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented. I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like. We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit.\n\nChannel 1: Yep.\n\nChannel 0: We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along.\n\nChannel 1: Mhmm.\n\nChannel 0: And then it does take about a week for the super funds to move into pension phase. So I just wanna make sure that we've given you enough time between updating the advice for you and starting up pension to make sure that you're not missing any money or not going any, you know, too many weeks without any kind of income\n\nChannel 1: Yeah.\n\nChannel 0: payment to support you.\n\nChannel 1: Because I wanna yeah. I've got a plumbing to do a job here. It's probably gonna cost about 4 or $5,000. And,\n\nChannel 0: Okay.\n\nChannel 1: yeah, I've got a bid I've got a I've got a bid in the bank, But\n\nChannel 0: Yep.\n\nChannel 1: I wanna we're going away on the August 11, and I want everything finalized and get it getting a bit of money in the bank before I go away.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: Absolutely.\n\nChannel 1: we're we're going away for a month.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem. Easy done. So, realistically, we can have this advice sort of updated for you. I would probably say around about maybe two weeks to get that\n\nChannel 1: Yep.\n\nChannel 0: done\n\nChannel 1: Yep.\n\nChannel 0: with the sort of advice that we're looking at. So we're at the eighth now. Next week's the fifteenth. If we maybe hook it in for Wednesday, the twenty second or Thursday, the twenty third, would that be okay that's in two weeks' time?\n\nChannel 1: Yep. Yep. That'll be\n\nChannel 0: Yep.\n\nChannel 1: fine then.\n\nChannel 0: What sort of time of day is better for yourself to have that that call? Did you want sort of early in the morning or in the afternoon?\n\nChannel 1: Yeah. 08:30 in the well, what can we do?\n\nChannel 0: I\n\nChannel 1: 08:30?\n\nChannel 0: We can. Yeah. It would need to be on the Thursday, the twenty third, because that's when I\n\nChannel 1: Yep.\n\nChannel 0: have that time frame available. So I'll pop it in there for you for 08:30 on the\n\nChannel 1: Thursday\n\nChannel 0: twenty\n\nChannel 1: is\n\nChannel 0: third\n\nChannel 1: the '20\n\nChannel 0: for your statement of advice, Yeah.\n\nChannel 1: twenty twenty third, 08:30. Yep.\n\nChannel 0: '20\n\nChannel 1: Alright.\n\nChannel 0: July 3 at 08:30. Yeah.\n\nChannel 1: Yep. And, yeah, I mean,\n\nChannel 0: Beautiful.\n\nChannel 1: I'm looking at I'll probably I'll have to start. I'll probably I'm gonna try about $1,200 a week.\n\nChannel 0: Okay. So 1,200 per week is what's needed\n\nChannel 1: Yep.\n\nChannel 0: for living expenses. Beautiful. Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything\n\nChannel 1: Yep.\n\nChannel 0: like that?\n\nChannel 1: No. It should be wrong. I've got I've got a bit there. I've got a bit, don't know, nearly 80,000 in the bank there now. So it should be\n\nChannel 0: Okay.\n\nChannel 1: because I got a got a $12,000 payout, and and then I've got to get a long service. Oh, that's only a couple of weeks, but that's that's a bit of money. So I'm gonna ring them up yet. I've been waiting to for this Telstra to come back online and that and give them a ring and\n\nChannel 0: Get all that sorted for you.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. But\n\nChannel 0: Absolutely.\n\nChannel 1: and and and say, like, you know, say you're gonna put me on that 1,200 a week. And if I wanna lump sum, I'll just ring things up and say, look, I need this is what I\n\nChannel 0: Yeah.\n\nChannel 1: need.\n\nChannel 0: Absolutely.\n\nChannel 1: Is that a lot?\n\nChannel 0: That was yeah. Absolutely. You can take the money out whenever you need. And one of the benefits for moving out of that super accumulation phase into the pension phase is that everything inside of that is tax free. So with your super at the moment being an accumulation, they actually charge you tax on well, your super fund pays tax on income and capital gains.\n\nFrom moving\n\nChannel 1: Oil.\n\nChannel 0: into pension phase, everything in that phase is completely tax free. The income payments you draw down, you can draw down extra ad hoc lump sums as you need it. You just\n\nChannel 1: Yep.\n\nChannel 0: give us a call. You just request the payment. We can do it under advice. It takes a bit longer to do the advice around that, or you can just request it as a transaction without advice, which is a quicker way to draw down extra lump sums outside of\n\nChannel 1: Yep.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: normal pension payments. We'll\n\nChannel 1: Yep.\n\nChannel 0: still review the super with you, see how it's working, review your pension payments with you every year, look at your risk level to make sure you're invested correctly, and check your investments. Because as much as you're sort of, you know, retiring now and moving into that pension phase, you still have longevity. You know, you're only 60. So\n\nChannel 1: Yeah.\n\nChannel 0: most people\n\nChannel 1: For\n\nChannel 0: spend\n\nChannel 1: sure.\n\nChannel 0: ten, twenty, thirty, or even forty odd years in retirement. So making your super work as long as possible also fits in that stage. And when\n\nChannel 1: Yeah.\n\nChannel 0: you get close to the age 67, we can look at, you know, age pension eligibility, look at reducing your income payments down, if you're able to get age pension in there as well and sort of provide that longevity from then on.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: The although I'm gonna do it, like I said, I'll get I'll draw this pension, and I've got I've\n\nChannel 0: Yeah.\n\nChannel 1: got a few assets in that that I can sell when I'm finished. Don't like like, I've got a\n\nChannel 0: Yep.\n\nChannel 1: pretty good I've got a boat there with, like, 250,000. I can sell it, like, as we\n\nChannel 0: Yeah.\n\nChannel 1: as, like,\n\nChannel 0: Wow.\n\nChannel 1: in a few years' time when we don't use it anymore,\n\nChannel 0: Yeah.\n\nChannel 1: we'll just sell it. And it's a boat\n\nChannel 0: Yes.\n\nChannel 1: that holds its value to you. And then I've also got a block of land with a shed on it. That's probably it's worth somewhere between $3.30 and 400,000 as well. So\n\nChannel 0: Nice. Yeah.\n\nChannel 1: I'm gonna\n\nChannel 0: I've\n\nChannel 1: yeah.\n\nChannel 0: got\n\nChannel 1: You\n\nChannel 0: that\n\nChannel 1: gradually\n\nChannel 0: one down\n\nChannel 1: get\n\nChannel 0: here\n\nChannel 1: rid\n\nChannel 0: that\n\nChannel 1: of stuff.\n\nChannel 0: block of land. Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So I've\n\nChannel 1: Yeah.\n\nChannel 0: got the block of land on here with the shared asset value. Last year was about 330,000. Would you increase that a bit more from there, do you reckon?\n\nChannel 1: Well, it's hard. Yeah. It'd be between $3.30 and 400,000. But\n\nChannel 0: Okay.\n\nChannel 1: that's a rough figure.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Because\n\nChannel 0: okay.\n\nChannel 1: sheds are tripled, I think, since I build it, I think they said.\n\nChannel 0: Yeah. Absolutely. And so the bar you mentioned the valuation we have on there was 25,000, but you said it's a bit higher now?\n\nChannel 1: 25,000?\n\nChannel 0: Yeah.\n\nChannel 1: No. $10.50?\n\nChannel 0: That's what\n\nChannel 1: Not\n\nChannel 0: I thought.\n\nChannel 1: right.\n\nChannel 0: I've been it must have just missing a zero in there from your review last year, and that's okay. I'll just pop that in there. So two\n\nChannel 1: Yeah.\n\nChannel 0: 150,000 on the boat. You've got that tinny still as well. Do you have the tinny there?\n\nChannel 1: Yeah. The 10 is worth probably roughly 45.\n\nChannel 0: 45,000? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And then I've also got the two cars that you have. One of those valued at about 160,000. Is that accurate for one of your vehicles?\n\nChannel 1: Yeah. We got three, actually. Got\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: That's alright.\n\nChannel 1: $100,160, and we got the RAV. It's worth around 45. We're gonna get rid of that later this year or early next year because I'm\n\nChannel 0: Yep.\n\nChannel 1: home there. And\n\nChannel 0: Yeah.\n\nChannel 1: the crew my cruise is worth about roughly 60.\n\nChannel 0: Okay. Perfect. So we'll sell I'll just note down here. So we're gonna sell the RAV later this year, about 45,000 of value on that one. There's no debt on the RAV.\n\nIt's owned outright.\n\nChannel 1: Yeah. Yeah. No. It's saying that right. Yep.\n\nChannel 0: Yep. Beautiful. And the value of the so the car that you had valued at 60,000, it's a cruiser.\n\nChannel 1: Land Cruiser yeah. You yeah.\n\nChannel 0: Yep. Perfect. Land Cruiser. Beautiful. And the vehicle that you valued at 160,000, what kind of car is that?\n\nChannel 1: It's a Toyota Land Cruiser 300.\n\nChannel 0: Land Cruiser 300. Beautiful. And are you planning to keep the other two Land Cruisers? Are you looking to maybe just keep one of those?\n\nChannel 1: No. No. We'll keep the u in the in the 300. Yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Because\n\nChannel 0: Beautiful.\n\nChannel 1: I well, I\n\nChannel 0: Fantastic.\n\nChannel 1: could tow boats on it. Yeah.\n\nChannel 0: Yeah. Absolutely. And your main primary residence assets value on that one we had last year was about 1,200,000. Would you change or alter that valuation? Is that fairly accurate still?\n\nChannel 1: Yeah. No. It's gone up. They well, I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: I I had a real estate person here, and they they were talking, like, 1.6.\n\nChannel 0: Wow. Really?\n\nChannel 1: Things\n\nChannel 0: Let me\n\nChannel 1: are going\n\nChannel 0: just\n\nChannel 1: well,\n\nChannel 0: pop\n\nChannel 1: we live\n\nChannel 0: the\n\nChannel 1: at\n\nChannel 0: address\n\nChannel 1: a beach,\n\nChannel 0: on.\n\nChannel 1: and, yeah, things\n\nChannel 0: I mean,\n\nChannel 1: just\n\nChannel 0: that's\n\nChannel 1: get\n\nChannel 0: gonna be\n\nChannel 1: really rippling.\n\nChannel 0: that's gonna be really good. Yeah. Absolutely.\n\nChannel 1: It's a pretty big home and a big shed and\n\nChannel 0: Yeah. Nice. I'm just sort of having a quick look at\n\nChannel 1: whether\n\nChannel 0: some\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: that or not,\n\nChannel 0: valuations.\n\nChannel 1: but that's what she says.\n\nChannel 0: I mean, people will pay, won't they? Especially at the moment. It's saying here, rough valuation, mid $9.30, high, 1.06 mil. But let me just double check.\n\nChannel 1: I haven't had a valuation. It was just from a real estate person.\n\nChannel 0: Yeah. No. No. Definitely.\n\nChannel 1: And I\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: mean,\n\nChannel 1: said\n\nChannel 0: was\n\nChannel 1: because\n\nChannel 0: looking at\n\nChannel 1: it see,\n\nChannel 0: where you\n\nChannel 1: this\n\nChannel 0: are,\n\nChannel 1: house\n\nChannel 0: it's not\n\nChannel 1: is\n\nChannel 0: a\n\nChannel 1: actually\n\nChannel 0: bad place.\n\nChannel 1: big, Yeah.\n\nChannel 0: It's not a bad house where you're at.\n\nChannel 1: And it's got a it's got\n\nChannel 0: Good\n\nChannel 1: a real\n\nChannel 0: location.\n\nChannel 1: big shed on it that'll house two\n\nChannel 0: Yeah.\n\nChannel 1: big boats. So that's that's the biggest thing for down here.\n\nChannel 0: Yep.\n\nChannel 1: People people have houses along the front, along the beach, and they can't sell them. Well, they can sell them, but it takes a lot of price off because they can't get access to a big shed and they haven't got a big shed. So\n\nChannel 0: Yeah.\n\nChannel 1: that's why\n\nChannel 0: Definitely.\n\nChannel 1: everyone has a boat down there pretty much.\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: So that\n\nChannel 0: I\n\nChannel 1: adds\n\nChannel 0: mean, look. On this, 1.6 doesn't sound very far off. Did you want me to increase the value there to\n\nChannel 1: yeah.\n\nChannel 0: one point\n\nChannel 1: Right.\n\nChannel 0: six? No?\n\nChannel 1: Yeah. I'll put 1.5. I'll put 1.5.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. It's gotta be what you're comfortable with. I mean, it's just a sort of an estimated value based on, you know, what you value your property at. Not saying that you're gonna sell up to this much money,\n\nChannel 1: Yeah.\n\nChannel 0: but, realistically, when you think about how much properties have grown, someone probably you know, and where you're located especially, I mean,\n\nChannel 1: Yeah.\n\nChannel 0: you could get a pretty penny for it. But you're retired now, so you'll get to enjoy the view every day and not have to go to work.\n\nChannel 1: That's wrong.\n\nChannel 0: No. Excellent. Is there any other assets or liabilities that we haven't got on file? Do you have any large credit cards or personal loans or debts that we need to note down at all?\n\nChannel 1: No. No dits.\n\nChannel 0: Nope. That's okay. I'm just updating your asset and made it income. So we'll start with $1,200 per week in income for you\n\nChannel 1: Yep.\n\nChannel 0: to be drawn down from super. We don't need any additional lump sums at the moment, but in this time between now and into which time we present the advice, if that changes, just let me know. I can always go back and update and change it for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Income wise, I'm just changing that to zero because you are officially now retired, which is fantastic. And now I've got down here that your sorry. You've entered the fact that a relationship, Your partner is Bernice. Is that right?\n\nChannel 1: Yeah. That's it. Yep.\n\nChannel 0: Yeah. Lovely. Is she retired as well, or is she still working?\n\nChannel 1: Well, she's actually on a pension because she's been cooked for a few years, and she's on a\n\nChannel 0: Oh,\n\nChannel 1: oh,\n\nChannel 0: I'm\n\nChannel 1: well, she's\n\nChannel 0: so\n\nChannel 1: on\n\nChannel 0: sorry.\n\nChannel 1: a a loss of income, you know, with that\n\nChannel 0: Yeah.\n\nChannel 1: with her insurance. So she gets\n\nChannel 0: Yep.\n\nChannel 1: paid till she's 65. Yeah. It's a pretty good one, actually.\n\nChannel 0: Oh, so unlike an income protection claim?\n\nChannel 1: Yeah. On income protection.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because their\n\nChannel 0: Yeah.\n\nChannel 1: doctors\n\nChannel 0: It's 60\n\nChannel 1: have all\n\nChannel 0: five.\n\nChannel 1: they said, yeah, they've all signed off, and they said you won't be god's yeah. They said you won't be working again.\n\nChannel 0: Oh, yeah. So, I mean, it's it's bad that she's\n\nChannel 1: And\n\nChannel 0: on that claim. It means that something's obviously happened that means she can't go to work. But on the upside, you get to spend\n\nChannel 1: Yeah.\n\nChannel 0: some more time together and travel together.\n\nChannel 1: That's right.\n\nChannel 0: No. Beautiful.\n\nChannel 1: Yeah. No. Well, she's got her own thing. Oh, well, you know, we sorted out, so that's alright.\n\nChannel 0: Yeah. No. Absolutely. Fantastic. I'm just taking all of the super contributions out.\n\nSo you're not expecting any additional contributions from your employer over the next two weeks. They will have made all the contributions required for you finishing up on work.\n\nChannel 1: Well, as far as I know, because I can't they probably can't send emails and that like, I never even got an email saying I just looked at my bank and the money\n\nChannel 0: Oh,\n\nChannel 1: was in there. I haven't got any correspondence or anything. Probably because they're\n\nChannel 0: they\n\nChannel 1: all because\n\nChannel 0: should\n\nChannel 1: they're out west.\n\nChannel 0: send you\n\nChannel 1: See, they're probably all out. They're probably down out there.\n\nChannel 0: yeah. Yeah. Because they definitely should provide you with, like, a final pay slip that, you know, outlines how much you've been paid out, what the taxation looked like, how much was\n\nChannel 1: Yes.\n\nChannel 0: put into super. Yeah.\n\nChannel 1: Yeah. They should. But like I said, they're probably they're out west at the Barnes. They're probably they probably can't do anything out there\n\nChannel 0: Yeah. They're probably\n\nChannel 1: because, you\n\nChannel 0: suffering\n\nChannel 1: know, that much\n\nChannel 0: a bit more\n\nChannel 1: bloody\n\nChannel 0: than rest\n\nChannel 1: trouble\n\nChannel 0: of us.\n\nChannel 1: here. But, yeah, they'll definitely they'll definitely they'll definitely\n\nChannel 0: Yeah.\n\nChannel 1: send all that in. They actually their company is actually getting ordered at the moment.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: really?\n\nChannel 1: Golding's there, they're getting something. My my my told me, he said they're getting ordered because they underpaid him a bit on his holidays and all that sort of stuff.\n\nChannel 0: Wow. So you might get some back pay.\n\nChannel 1: Well, you never know. Yeah. But see, what I've done, I said, just the initial payment. Yeah. I I told you before, but they said, your holidays and your payout, we can't put that in your super.\n\nChannel 0: No. Correct.\n\nChannel 1: Yeah. And, anyway so I've only just got a lump sum in my bank at the moment. That's all I've got, but they should email me with all the particulars and that.\n\nChannel 0: Yep.\n\nChannel 1: And and the only\n\nChannel 0: That's\n\nChannel 1: other\n\nChannel 0: okay.\n\nChannel 1: thing the only other thing I'm gonna get a pay at well, I gotta I gotta\n\nChannel 0: Yep.\n\nChannel 1: get in touch with my loan service and get them to pay it out. Can you get that paid straight into your superannuation? Or\n\nChannel 0: You might be able to. They may or may not. It really depends upon their rules.\n\nChannel 1: yeah. I have to ask\n\nChannel 0: I\n\nChannel 1: him.\n\nChannel 0: yeah. If you can find that out and let me know, see what they are willing to, are you wanting to have that, if possible, added into your soup, or are you sort of wanting to keep maybe some\n\nChannel 1: Yeah.\n\nChannel 0: of that\n\nChannel 1: I\n\nChannel 0: money\n\nChannel 1: might\n\nChannel 0: in\n\nChannel 1: keep\n\nChannel 0: a bank account as a buffer?\n\nChannel 1: yeah. I might just keep that in his bank. It's only it's only about two weeks, I think.\n\nChannel 0: Okay.\n\nChannel 1: So I'll I'll\n\nChannel 0: So\n\nChannel 1: probably\n\nChannel 0: that's two.\n\nChannel 1: it won't be worth the hassle, I don't think, doing the super. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. And I'll\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: put\n\nChannel 0: okay.\n\nChannel 1: it straight into my bank account, I think.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And you've got about 80,000 in at the moment.\n\nChannel 1: Yeah. Right about that. Yeah.\n\nChannel 0: Yeah. That's okay. Beautiful.\n\nChannel 1: It's under?\n\nChannel 0: Yeah. I mean, that'll cover you for your holiday. It gives you a bit of a buffer in case large bills and things come up. You said you've got some rego\n\nChannel 1: Yep.\n\nChannel 0: and some things like that too, and then the plumbing bill coming in as well. So having\n\nChannel 1: Yep.\n\nChannel 0: those sorts of things in the short term as a bit of a buffer is never a bad thing.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: That's\n\nChannel 0: if\n\nChannel 1: all.\n\nChannel 0: you find you need additional amounts over and above that, you have us as your advisers. We can draw money out as well so we can always look at helping you with that. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. So we've got a really good idea of where we're going and what the advice needs to look like, which is fantastic. Now\n\nChannel 1: Mhmm.\n\nChannel 0: you are in Netwealth. You have been in Netwealth for quite some time. And look, as a platform, as a super fund. Netwealth is not by any means bad, but there are often cheaper super funds out there. Are you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension.\n\nWould you like me to review all those options for you?\n\nChannel 1: Yeah. You should do that. Yep.\n\nChannel 0: Yep. Fantastic. Now I did give you a balance. So your balance is at $7.44 $3.70 and 40¢, which is great. When\n\nChannel 1: Mhmm.\n\nChannel 0: we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well. Essentially, the net return after fees, you're up by 6.74%, which is fantastic. Some people would prefer a dollar figure as opposed to a percent there, Darren. So when I kind\n\nChannel 1: Mhmm.\n\nChannel 0: of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year. So it's a really good amount\n\nChannel 1: Yeah.\n\nChannel 0: of growth that you have seen. A good good return. Yeah.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: I have sort of note one of your investments in there as well as everything's done really well in your app, which is great. But moving forward, one of your investments is underperforming a little bit. And whilst it hasn't really held your super back, I would like to maybe remove that for you. I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit.\n\nChannel 1: Yep.\n\nChannel 0: You originally have the Bennelong Australian Equities investment in there. That was meant to be more of an actively managed fund. So the investment manager of Bennelong is meant to be buying and selling investments and trying to outperform against the market. Unfortunately, they haven't been able to do so, and therefore, it has been underperforming a little bit there. So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe\n\nChannel 1: Mhmm.\n\nChannel 0: get rid of anything that's underperforming because you've now got longevity with your super paying you a pension. So we wanna make sure that you're not in any underperforming investments and review all of those. Does that make sense? Do you have\n\nChannel 1: Yep.\n\nChannel 0: any\n\nChannel 1: Yeah.\n\nChannel 0: questions?\n\nChannel 1: Yeah. For sure. Yeah. No. That sounds\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: The other thing to look at is the risk level there. So having a look at things, you are and have been in more of that sort of growth environment over the last couple of years. And being in that environment is not in any way, shape, or form bad. It's actually really good when you're accumulating wealth. However, when you kinda go into that pension phase and you start drawing income out of your super, we often wanna look at maybe reducing the risk level and not having those large market fluctuations because we are drawing income out of our super.\n\nChannel 1: Yep.\n\nChannel 0: I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward. Does that sound okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. The first one in here is having a look. Have you ever owned, say, direct shares or investments in your own name before?\n\nChannel 1: Shares.\n\nChannel 0: Yeah.\n\nChannel 1: They are I still got some AMP or resolution of this because they got them given to us through my yeah. I've never actually I don't think I've actually bought shares, but I've had share whatever shares I've had, they haven't been worth anything really.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: My car\n\nChannel 0: next\n\nChannel 1: is\n\nChannel 0: one\n\nChannel 1: Sugar.\n\nChannel 0: is\n\nChannel 1: Yeah. I have this.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's alright. The next question here is about inflation, and it says inflation means that things are getting more expensive over time. We essentially know a 100 this year isn't worth a $100 next year because inflation eats away our buying power. When you think about your super moving forward, are you comfortable taking on a higher level of risk to try and get greater potential returns through your retirement knowing that when we see market downtime because your balance is higher, you'll feel that effect? Or are you sort of comfortable with maybe a medium or moderate amount of risk to get the best returns you can trying to limit market fluctuations, or are you trying to reduce your risk as much as possible knowing the returns are gonna be lower as well?\n\nWhere do you think you might fit?\n\nChannel 1: Well, they took me out of a lot of higher risk there before because it takes you if it drops you, it takes you seven years to recover it, don't it, or\n\nChannel 0: It\n\nChannel 1: something?\n\nChannel 0: can do. Absolutely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And I yeah. They took me out a lot of the high risk stuff there. Was that a couple of years ago or something?\n\nChannel 0: Yeah. We moved\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: what\n\nChannel 0: down to kind of that growth area, so stepping down a bit more gradually. Yeah.\n\nChannel 1: yeah. So what would be what? Mediacally, like, in the middle there or what do you think?\n\nChannel 0: Yes. Abs absolutely. I'll put you\n\nChannel 1: Yeah.\n\nChannel 0: in the middle. Not a problem at all.\n\nChannel 1: Yep.\n\nChannel 0: The next one here is asking, how would you feel in six months if you looked at your super and had fallen by 20%? Do you think about putting more money in, maybe taking advantage of the buying opportunity? Are you more likely to hold and wait, hopefully, not having to draw more than the regular income amount and maybe call us and see what's going on with, you know, super and the markets in general? Or are you feeling very concerned and maybe wanting to sell the investments and move money into cash for a bit of security? How do you think you might be feeling?\n\nChannel 1: Oh, I think I'll just ring these up and see what you reckon.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: You're the expert?\n\nChannel 0: Absolutely. The next one here is asking about the reasonable rate of return you're trying to get. Now even in our retirement years, we're generally trying to get the best returns we possibly can. That's sort of what you're thinking. Try and get whatever, you know, possible returns you can to keep your sleep working as long as possible.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. All good. The next one here is essentially, again, looking more at a dip. So if you did sort of see the markets fall in the next few months or the next twelve months, how do you think you might be feeling? Are you feeling optimistic about the market and the future investment opportunities?\n\nAre you a bit cautious because you are in pension phase and drawing an income, or are you feeling very concerned, you know, not wanting to sort of draw too much more out and hoping the market recovers fairly quickly?\n\nChannel 1: Well, you probably just gotta wait for the recovery, I would imagine,\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: because I'm not gonna so maybe you take it out and put it into a bank account and go buy something. No. I've\n\nChannel 0: Yeah.\n\nChannel 1: been there and\n\nChannel 0: No.\n\nChannel 1: done that.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Do you think it might still be making you cautious, concerned, or anxious, or just fairly optimistic about, you know, the market coming back and recovering? How do you think you might\n\nChannel 1: Well,\n\nChannel 0: feel\n\nChannel 1: I'll\n\nChannel 0: in\n\nChannel 1: be\n\nChannel 0: that\n\nChannel 1: optimistic\n\nChannel 0: instance?\n\nChannel 1: that it come oh, sorry. Yeah. I'd be I'd be up that's why I didn't put all my money into that because that's why I built that shed, bought that I've got that block cheap. That's why I've and and it's only cost me I haven't added it all up yet, but it's probably cost oh, shit. I could probably make a couple\n\nChannel 0: Yep.\n\nChannel 1: 100,000 on what it's cost me to build it. That's why I've\n\nChannel 0: Yeah. Okay.\n\nChannel 1: that's why I've haven't put all I could've put a lot more money in to see if it better now. Put something to real estate.\n\nChannel 0: Yeah. Absolutely. And with\n\nChannel 1: Yeah.\n\nChannel 0: that that investment property and that shed you have on that land, when are you sort of thinking you might wanna sell that, or are you wanting to sort of develop it and live in it in the future? What's your plan for that down the track?\n\nChannel 1: Oh, no. It's I'll just put a share in toilet in it, and\n\nChannel 0: Yep.\n\nChannel 1: I've got it I've got it set up. So if I wanna sell it, people can back a caravan and live in it pretty much.\n\nChannel 0: Okay.\n\nChannel 1: But no. Well, see, I need it. I love I store new boats and that out there. In the like I said, in the future, like, it\n\nChannel 0: Yes.\n\nChannel 1: might be it's probably quite a few years' time. Like, once\n\nChannel 0: Yeah.\n\nChannel 1: that big boat goes, and then I won't need to shed then, then I'll then when it's yeah. So anyway, when it's when it's time, I'll it it'll be quite a few years before I sell that shed in case\n\nChannel 0: Yep.\n\nChannel 1: something exceptionally bad happens.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Of\n\nChannel 1: yeah. Because, you know, you might you might become you might come across health problems and stuff like that. You might have to sell all that stuff.\n\nChannel 0: course. Yeah. Absolutely. So just holding on to for the time being and until you need to sell it to sort of cover\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: it.\n\nChannel 0: or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains.\n\nChannel 1: Yeah. Yeah. That's right. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: and and by then, I'd be could I I could probably just and you could probably, like, if you want to put it back in the like, some of it in the super, couldn't you?\n\nChannel 0: You absolutely can. Yeah. Definitely. When that time comes, you let me\n\nChannel 1: Yeah.\n\nChannel 0: know. We can update\n\nChannel 1: Yep.\n\nChannel 0: the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you. But, yeah, you absolutely can currently. Yeah.\n\nChannel 1: Yeah. That's yeah. That's right. Because I wouldn't sell it all\n\nChannel 0: Beautiful.\n\nChannel 1: at lunch because it'd be too much money. The tax man would like me too much.\n\nChannel 0: I would wouldn't need be on your doorstep with a asking for a check. But he tax me, and they know how to get us.\n\nChannel 1: Yeah. That's right. Not wrong.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: all good. Well, thank you for answering those questions. Now to kind of look at that, you have scored as more of a moderate investor. So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark. As a\n\nChannel 1: Mhmm.\n\nChannel 0: more of a moderate investor, that would see us bring you down to more of a two. It sees us kind of reduce your current asset allocations about 80% in growth assets down to about, say, 50 to 60% in those growth assets. Growth assets are things like Australian shares, international shares, listed property, and commodities like gold and silver.\n\nChannel 1: Mhmm.\n\nChannel 0: Those are the investments that get us the greater gains, but they're also the ones that go up and down and fluctuate quite heavily and can make us quite nervous when the market dips. So if you think back to COVID and the GFC, they're the investments that really saw very large dips that took about seven years to come back and recover. So it\n\nChannel 1: Yeah.\n\nChannel 0: is reducing the risk by reducing those growth investments. And then\n\nChannel 1: Mhmm.\n\nChannel 0: we would see you increasing the defensive asset allocation, so things like share oh, sorry. Things like bonds, fixed interest, those sorts of cash investments, essentially, from about 20% currently up to about sort of, 40 to 50%. Do you feel like that kind of an allocation change might be suitable lowering the risk level a little bit, bringing up more of those defensive investments? To kinda give you an idea as well, those defensive investments are more cash producing. So we wanna be drawing income out of those investments to help with your regular income payments in pension, but also so we can keep that money invested and continue growing your super a little bit.\n\nDo you have any questions there so far, and does that make sense? And does that kinda feel comfortable for you, or\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: No.\n\nChannel 0: you want\n\nChannel 1: That sounds alright. That\n\nChannel 0: that\n\nChannel 1: sounds\n\nChannel 0: sounds\n\nChannel 1: alright.\n\nChannel 0: okay?\n\nChannel 1: Hang on.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. I'll look at more of a balanced portfolio for you. To kinda give you an idea of the difference of risk level, at the moment, you generally with your current portfolio, you're generally looking at or expecting a likelihood of a negative return, say, one in every five years. With that balanced environment, you're sort of expecting a likelihood of a negative return, kind of one in every seven years. So you are reducing the risk level a little bit,\n\nChannel 1: Yep.\n\nChannel 0: And this balanced environment more suits someone who's accessing their funds within in kind of the next three years. You can be in that balanced environment long longer term, but it's about kind of balancing risk with returns and making sure you're getting some income to help balance the income payments you're drawing out on a regular basis, but also protecting your capital and not seeing such big market fluctuations. You know, don't wanna\n\nChannel 1: Yep.\n\nChannel 0: see those\n\nChannel 1: Yep.\n\nChannel 0: really\n\nChannel 1: Yep.\n\nChannel 0: large ups and downs that make you feel nervous. Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that all make sense there, Darren?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Beautiful. So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you. The other thing I had here is you've got your resolution life policy there at the moment. I know that that policy is still in place, and it's the plan expiry is 2030.\n\nChannel 1: Yeah. That's\n\nChannel 0: They\n\nChannel 1: it.\n\nChannel 0: have kinda given us an idea on what that looks like. Are you wanting to keep that resolution life endowment policy in place for a bit longer, say, until the expiry, or are you wanting to maybe draw that out earlier? Or\n\nChannel 1: Yes. No. No. No. I wanna keep that\n\nChannel 0: no.\n\nChannel 1: till 2030. It's about is it's about is it ninety seventh there? What is it? 90 the payout?\n\nChannel 0: Yeah. So at the death benefit\n\nChannel 1: 90\n\nChannel 0: at the moment, so if you were to pass away currently, the death benefit paid out is about 107,071. The\n\nChannel 1: yep.\n\nChannel 0: withdrawal benefits, if you were to take the funds out now, they obviously consider that and you get less, it'd be 93,060 roughly. Yeah.\n\nChannel 1: Yeah. Yeah. I was gonna let that go through till 2030,\n\nChannel 0: '20\n\nChannel 1: so\n\nChannel 0: '30.\n\nChannel 1: then\n\nChannel 0: Yep.\n\nChannel 1: sort it out then there.\n\nChannel 0: Beautiful. Well, I'll I'll make a note here. So future goals are looking at, obviously, proceeds of selling the boat and the land as well, and then we'll look at, you know, 2030, look at that resolution life policy, look at what you can withdraw then, what you need to do with the funds, and what you can do because we can always look at putting it back into super or investing it elsewhere, or you can kick\n\nChannel 1: Yes.\n\nChannel 0: the funds and go on a lovely holiday. So I'll note that down for you as well. Beautiful.\n\nChannel 1: Yep. 90. Right. Yep.\n\nChannel 0: Honestly, those endowment pulses are beautiful. You don't see them anymore. You can't get them anymore. But\n\nChannel 1: But, yeah,\n\nChannel 0: to\n\nChannel 1: it's today.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: That's\n\nChannel 0: at them,\n\nChannel 1: the next one. Yeah. That's\n\nChannel 0: they're.\n\nChannel 1: yeah. We started that when we were kids. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. Yeah. I don't know where I think it was mom's auntie and uncle done it for us, I\n\nChannel 0: Oh, that's beautiful, and you kept\n\nChannel 1: think.\n\nChannel 0: it going. I love that.\n\nChannel 1: Yeah. I said to my sister about it. She said, oh, no. I got mine paid out years ago. And I said, well, mine's\n\nChannel 0: Yeah. I\n\nChannel 1: gonna\n\nChannel 0: know.\n\nChannel 1: be worth nearly a $100 in 2013. She said, oh my god.\n\nChannel 0: Yeah. It is it you keep you keep keeping it, get those annual bonuses in there, and, yeah, wait for the policy to end and then enjoy that lovely lump sum benefit paid out. Beautiful.\n\nChannel 1: Oh.\n\nChannel 0: No. Excellent. I love that. Beautiful. Now, obviously, looking at the other side of things, that resolution life policy does pay out that lump sum benefit in the event that you were to pass away.\n\nSo it does act as a life insurance policy as well.\n\nChannel 1: Yeah.\n\nChannel 0: If you were to then pass away between, you know, from here out, your super benefit is also paid out to your beneficiaries. Just\n\nChannel 1: Yep.\n\nChannel 0: double checking, in the event of you passing away, is it that you're wanting everything to be paid out to Denise? So what is your wishes with your super benefit being paid out on passing?\n\nChannel 1: Yeah. Yeah. Yeah. Benice Bradford. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I think I\n\nChannel 0: Lovely.\n\nChannel 1: I did not did I have that? I had that sorted, didn't I?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You did. Yeah. So because we are moving into pension phase, it is a\n\nChannel 1: Yeah.\n\nChannel 0: whole new account that we open up, so I do make a recommendation on\n\nChannel 1: Yep.\n\nChannel 0: beneficiaries. But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well.\n\nChannel 1: Okay.\n\nChannel 0: They allow us a lot of different options for beneficiary nominations. So I'll kind of make that nomination for you as part of the advice so you can see what\n\nChannel 1: Mhmm.\n\nChannel 0: I'm recommending and how we direct that to her in the event of you passing. In saying that, Darren, we want you to stay alive and enjoy your retirement and want nothing to happen for sure.\n\nChannel 1: Me too.\n\nChannel 0: Okay.\n\nChannel 1: Oh, that thing.\n\nChannel 0: You. You've worked too hard.\n\nChannel 1: Yeah. Work weekends mostly lost, so that's it. I'm\n\nChannel 0: Oh,\n\nChannel 1: done.\n\nChannel 0: you are done. I love that.\n\nChannel 1: Oh, well, like I said, I got still got plenty of work, but, yeah, it will certainly be something I like doing.\n\nChannel 0: Yeah. Absolutely. Absolutely. And it'll give you the option to take it or not. You get, you\n\nChannel 1: That's\n\nChannel 0: know, you get\n\nChannel 1: right.\n\nChannel 0: to decide\n\nChannel 1: Yep.\n\nChannel 0: what's right for you. If you don't wanna work that week, you don't have to do anything that week.\n\nChannel 1: That's all.\n\nChannel 0: The other side of your state planning is the will and powers of attorney. I have it noted back here that you did have a will in place. Is your will current and reflective of your current circumstances?\n\nChannel 1: Yeah. We've just done them I've just done mine early this year. I think I got finalized.\n\nChannel 0: Okay. Beautiful. And did you have a power of attorney in place with that will?\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: It's\n\nChannel 0: you know\n\nChannel 1: it's\n\nChannel 0: did they\n\nChannel 1: there.\n\nChannel 0: do, like, a will and power of attorney, or was it just, like, a will and testament?\n\nChannel 1: No. I've done the yeah. I've done it up the pair of attorney. I\n\nChannel 0: Mhmm.\n\nChannel 1: no. I can't even remember who I because she's got four kids. So and her oldest one,\n\nChannel 0: Yep.\n\nChannel 1: she's, like, right up with all that. I don't even know who it is. I'd have to have a look.\n\nChannel 0: That's that's okay. As long as you had a power of attorney done up, that's all all sorted.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Everything yeah. We got it all done and finalized. It got finalized in January or February or something.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future. We want nothing to happen. But in the event of you actually passing away, we can only speak to your the executor of your will. So if you are able to send us a copy of your will, we can keep it on file for you and keep it reflective.\n\nThat way if anything was to happen, we can contact the executor. We can help them to make a claim on your super, and we can help to make sure the beneficiaries just take the money nice and quickly. Is that okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Just makes everything a little bit easier and a bit more streamlined for your beneficiaries. In the event something happens, as I said, I want nothing to happen. I want you to enjoy the next thirty to forty years of your life and have the best time in retirement.\n\nChannel 1: Thirty or forty? Jeez. That'd be alright.\n\nChannel 0: You you don't you don't think it'll last that long?\n\nChannel 1: Oh, about forty. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We'll see\n\nChannel 0: No.\n\nChannel 1: how\n\nChannel 0: No.\n\nChannel 1: that one's.\n\nChannel 0: Yeah. No. That's okay. Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma. Are you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing?\n\nAre you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself?\n\nChannel 1: No. No. I've got a I had the accident insurance with, like, your loss income and that with resolution.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And we've we've got that sorted, so I still got trauma and life insurance with them. It's about $100,143 dollars. It's coming down to a $143 a month.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: that's all. Yeah. The trauma's 50, and I think the that's a 100. Yeah.\n\nChannel 0: Okay. Beautiful. And that's all with Resolution Life as\n\nChannel 1: Yeah.\n\nChannel 0: well. You pay that out of pocket. Yep.\n\nChannel 1: 143 a month, it is. Yeah.\n\nChannel 0: Beautiful. Do you know do you happen to have, like, a policy number? What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you?\n\nChannel 1: Yeah. I've gone through well, I've always gone through a broker. So\n\nChannel 0: Yeah. That's okay. You can still definitely keep the broker. There's nothing we don't change the policy ownership or anything if you don't want us to. It's just a third party a third party authority, so we can give them a call, ask them questions, find out the cover amount, help you to get quotes if you wanna alter anything or change anything there.\n\nIt just kind of means that, you know, you you don't have to call and deal with a lot of stuff. We can call Resolution Life directly for you and ask questions and help with the policies, get renewal letters, and things like that for you. I mean, you kind of\n\nChannel 1: Yep.\n\nChannel 0: have up as as your advisers, so, you know, there's just an extra little bit of help that we can provide to you to keep making sure your circumstances are all working for you. But\n\nChannel 1: Yep.\n\nChannel 0: then, you know, you have us to do a bit of leg work for you as well if that helps.\n\nChannel 1: Yep. Yeah. I've got this thing here. Just trying to\n\nChannel 0: Yeah.\n\nChannel 1: find them.\n\nChannel 0: That's okay.\n\nChannel 1: It's good if they give it the bloody policy. And where is it? It's life covers\n\nChannel 0: Resolution\n\nChannel 1: a 110\n\nChannel 0: Life has a wee one. Yeah.\n\nChannel 1: where yeah. Life cover is is 110 and the trauma is 50.\n\nChannel 0: Okay. 110,050 thousand in trauma. Beautiful.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: just gotta\n\nChannel 0: resolution\n\nChannel 1: get the right\n\nChannel 0: life.\n\nChannel 1: where is it?\n\nChannel 0: If you can't get it now, that's okay. I could always get some Samantha to give you a call later or tomorrow and sort of follow that up. That's honestly okay. I know their policy numbers can be a bit hard sometimes.\n\nChannel 1: I've got policy numbers here, but I want you to get I want the right I gotta get the right one because yes. So we still got the policy number for the other one as well.\n\nChannel 0: Yes.\n\nChannel 1: What let's find a thing. Let's see.\n\nChannel 0: The the one for the other one, for your endowment policy, that is starting with Q and ending in N.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Ends in 045N.\n\nChannel 1: He's he's giving me all the paperwork here. You think the policy number would be on the front, but it's not.\n\nChannel 0: Yeah. Normally, it's on the very front under your details on the top left hand corner depending on which way\n\nChannel 1: Yeah.\n\nChannel 0: you're facing.\n\nChannel 1: It's just it's just got all the stuff about in there with the a IMAFA. That's who that's who his company\n\nChannel 0: Right. Does\n\nChannel 1: is.\n\nChannel 0: he kind of review the policy with you every year and update things\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: He's\n\nChannel 0: sure that it's\n\nChannel 1: he's\n\nChannel 0: all working? Yeah.\n\nChannel 1: yep. Yep. We've just that's what that's what we just all done. That's what we done and what?\n\nChannel 0: Perfect. That's okay. That's absolutely fine. I'm happy just to I can just note down here the level of cover you do have if you like, because it is kinda\n\nChannel 1: Mhmm.\n\nChannel 0: reviewed with you regularly. And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine. But it\n\nChannel 1: This\n\nChannel 0: sounds\n\nChannel 1: is\n\nChannel 0: like it is pretty well under control.\n\nChannel 1: Yeah. Yeah. No. We yeah. We yeah.\n\nI told I spoke to him on the phone. I've been with him for quite a few years. He's he's pretty good.\n\nChannel 0: Fantastic. Excellent. No. That's really good.\n\nChannel 1: Yeah. I I thought it was all here, but it's just all to do with the policy. It's hasn't even got the bloody policy number on it.\n\nChannel 0: That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: I'll have\n\nChannel 0: I'll\n\nChannel 1: it\n\nChannel 0: just\n\nChannel 1: on the\n\nChannel 0: note down the level of cover you've\n\nChannel 1: I'll\n\nChannel 0: got.\n\nChannel 1: have\n\nChannel 0: Yeah.\n\nChannel 1: it in an email, I imagine.\n\nChannel 0: Yeah. That's okay. That's not a problem. I can get Samantha to sort of follow that one up with you. It's not a problem.\n\nAre you happy and okay with us adding a third party authority on file just to kind of help you where you might need as well?\n\nChannel 1: Yes. Yeah. You are.\n\nChannel 0: Yeah. That's okay. I'll get Samantha just to follow-up and grab the policy number later. She might even just be able to send you an email. And if you can get that, just email it back to us, that would be fantastic.\n\nAnd then we can just get you to sign third party authority, and we'll add it on file to give you a hand. It's a secondary pair of eyes. Easy.\n\nChannel 1: Alright. Here we go. Account number? No. The account number you want?\n\nIt's got the part\n\nChannel 0: Yep.\n\nChannel 1: it hasn't got policy numbers. It's got account number, but it's a it's\n\nChannel 0: Oh,\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: same thing with it.\n\nChannel 0: It might be. Yeah. That's okay. Let me just policy. Account number.\n\nWhat's the account number? Let's have a look.\n\nChannel 1: P\n\nChannel 0: Yep.\n\nChannel 1: 811\n\nChannel 0: Mhmm.\n\nChannel 1: 4116\n\nChannel 0: Yep.\n\nChannel 1: 12.\n\nChannel 0: Beautiful. I'll just read that back to you. So PForPeter, 811411612.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Fantastic. All good. Yeah. No.\n\nThat's absolutely perfect. We'll I'll get some Samantha just to drop a third party authority. We'll see if we can have that applied there for you. Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: can make sure the advice document reflects that for you. Okay?\n\nChannel 1: Mhmm. No\n\nChannel 0: Excellent.\n\nChannel 1: worries.\n\nChannel 0: Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome. We just need you to sign and return that back. You\n\nChannel 1: Mhmm.\n\nChannel 0: do pay an ongoing service fee for our services of 1.65% per annum currently. That is deducted in smaller monthly increments from your super account, and, essentially, it's making sure that we're able to look after everything. We wanna make sure your super is working harder for you. So we wanna make sure you're able to get that 1.65% and then obviously make a return on top of that. Do you have any questions about how the ongoing service fee works?\n\nOr\n\nChannel 1: No. No. Yeah. Yeah. No.\n\nChannel 0: just the same as the other years.\n\nChannel 1: No. No. Actually, no.\n\nChannel 0: Yes.\n\nChannel 1: It\n\nChannel 0: All good.\n\nChannel 1: yeah. So yeah. No worries.\n\nChannel 0: Yeah. Beautiful. The only other thing is it looks like your your ID on file has expired. If I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back?\n\nChannel 1: Yeah. No worries. What do you want me? License or something?\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: This\n\nChannel 1: Righto.\n\nChannel 0: driver's license back and front. Just shoot that back to us, and we'll be able to verify it for you. We just had under AML, need to be able to make sure when we're providing advice, we do have updated identification there for you.\n\nChannel 1: Yep.\n\nChannel 0: And then the other documents in the annual review pack you will see are your super insurance summary. So we do have your super balance there, your ResLife policy noted. We've also got the updated document from Resolution Life with your endowment policy, which shows the figures I went through. It's also got the financial services guide attached there for you, which has a lovely picture of me and all my licensing information there for you. So you're welcome to look me up, Google me, or have a look.\n\nSo I'm just I'm a full licensed adviser, make life easy\n\nChannel 1: Alright.\n\nChannel 0: for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Other than that, essentially, just to confirm that we're working forward in the right direction, I'll look at reviewing your super, the investments, look at reducing risk, moving into more of a balanced portfolio there for you. We'll look at drawing income down of about $1,200 per week. We don't need any additional buffers there at the moment. Medium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well. Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Have\n\nChannel 1: That's\n\nChannel 0: I touched\n\nChannel 1: about\n\nChannel 0: on it\n\nChannel 1: it.\n\nChannel 0: the\n\nChannel 1: And\n\nChannel 0: right way? Yep.\n\nChannel 1: when we ring next time, that's when we're gonna start doing the money thing, isn't it? The pension\n\nChannel 0: Absolutely.\n\nChannel 1: slip. Yeah.\n\nChannel 0: Yeah. So I have you booked in for 08:30AM on the July 23, so in two weeks. In the meantime, I'll do the research, get the advice document ready to go. I'll\n\nChannel 1: Yep.\n\nChannel 0: talk to you on the twenty third. We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions. You can then take those recommendations back, have a bit of a read of them. Let me know if you do have any additional questions. And as soon as you sign that, bring it back.\n\nWe'll then go forward and complete the application there for you and get\n\nChannel 1: Right.\n\nChannel 0: that moved into pension so you can start drawing your income payments. Okay?\n\nChannel 1: Okeydoke. So I'll just sign what you sent me and then send my send my license back as\n\nChannel 0: Yeah. That'd be fabulous. Yeah. I'll get Samantha to send you a message shortly. Just asking for your ID.\n\nIt'll probably be a text message that comes through. If you're not sure, give us a call. We can confirm it's us, but it will be us\n\nChannel 1: well.\n\nChannel 0: sending you that text message. And then\n\nChannel 1: Mhmm.\n\nChannel 0: those annual review documents will be in your email for you. Okay?\n\nChannel 1: Alright. No worries.\n\nChannel 0: Perfect. Easy. And just so I can confirm for the advice, when was your last day of work again for me?\n\nChannel 1: The sixth. Well, Monday. The sixth, was it? The\n\nChannel 0: Monday.\n\nChannel 1: sixth is\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: It was. Yeah. Absolutely. Beautiful. Well, thank you so much for calling back in your time.\n\nIt's been great to get to know you and do your annual review. If you find any questions come up in the meantime, please let me know. My name's Dana, and\n\nChannel 1: Yep.\n\nChannel 0: I'll be I'll chat to you on the twenty third. We'll go through that advice together. Okay?\n\nChannel 1: Alright. Thanks very much for your help. Thank you.\n\nChannel 0: My pleasure. Have a great day.\n\nChannel 1: Alright. See you later.\n\nChannel 0: Thanks, Darren. See you later. Bye.\n\nChannel 1: Alright.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":1.4399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.12802895158529282},{"text":"This is Dana.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.14048627763986588},{"text":"How are you this morning?","start":2.8,"end":4.02,"sentiment":"neutral","sentiment_score":0.23221226334571837}],"sentiment":"neutral","sentiment_score":0.1838578052818775,"channel":0,"num_words":10,"start":1.4399999,"end":4.02},{"sentences":[{"text":"Good day, though.","start":4.64,"end":5.62,"sentiment":"positive","sentiment_score":0.40522757172584534},{"text":"Thank you.","start":6.24,"end":6.98,"sentiment":"positive","sentiment_score":0.5779809057712555}],"sentiment":"positive","sentiment_score":0.4743289053440094,"channel":1,"num_words":5,"start":4.64,"end":6.98},{"sentences":[{"text":"That's 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well.","start":1172.0651,"end":1179.045,"sentiment":"positive","sentiment_score":0.4277783298492432},{"text":"Essentially, the net return after fees, you're up by 6.74%, which is fantastic.","start":1179.5851,"end":1185.3651,"sentiment":"positive","sentiment_score":0.5638866699658908},{"text":"Some people would prefer a dollar figure as opposed to a percent there, Darren.","start":1186.7001,"end":1190.38,"sentiment":"neutral","sentiment_score":0.19785844108888082},{"text":"So when I kind","start":1190.38,"end":1191.1,"sentiment":"neutral","sentiment_score":0.16157111898064613}],"sentiment":"positive","sentiment_score":0.3828801358384745,"channel":0,"num_words":56,"start":1172.0651,"end":1191.1},{"sentences":[{"text":"Mhmm.","start":1190.965,"end":1191.465,"sentiment":"neutral","sentiment_score":0.12306709587574004}],"sentiment":"neutral","sentiment_score":0.12306709587574004,"channel":1,"num_words":1,"start":1190.965,"end":1191.465},{"sentences":[{"text":"of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year.","start":1191.1,"end":1203.075,"sentiment":"neutral","sentiment_score":0.1923088981159802},{"text":"So it's a really good amount","start":1203.075,"end":1205.235,"sentiment":"neutral","sentiment_score":0.24869795391956964}],"sentiment":"neutral","sentiment_score":0.20197559339659554,"channel":0,"num_words":35,"start":1191.1,"end":1205.235},{"sentences":[{"text":"Yeah.","start":1205.0701,"end":1205.5701,"sentiment":"neutral","sentiment_score":0.12640750408172607}],"sentiment":"neutral","sentiment_score":0.12640750408172607,"channel":1,"num_words":1,"start":1205.0701,"end":1205.5701},{"sentences":[{"text":"of growth that you have seen.","start":1205.235,"end":1206.595,"sentiment":"neutral","sentiment_score":0.21076998859643936},{"text":"A good good 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and we can help to make sure the beneficiaries just take the money nice and quickly.","start":2185.8252,"end":2191.5251,"sentiment":"positive","sentiment_score":0.4534855827137276},{"text":"Is that okay?","start":2191.5852,"end":2192.485,"sentiment":"neutral","sentiment_score":0.2025358279546102}],"sentiment":"positive","sentiment_score":0.38790563742319745,"channel":0,"num_words":42,"start":2182.38,"end":2192.485},{"sentences":[{"text":"Yep.","start":2192.32,"end":2192.82,"sentiment":"neutral","sentiment_score":0.17178988456726074},{"text":"Yep.","start":2192.88,"end":2193.38,"sentiment":"neutral","sentiment_score":0.21305200457572937}],"sentiment":"neutral","sentiment_score":0.19242094457149506,"channel":1,"num_words":2,"start":2192.32,"end":2193.38},{"sentences":[{"text":"Yeah.","start":2193.3452,"end":2193.8452,"sentiment":"positive","sentiment_score":0.3771282136440277},{"text":"Just makes everything a little bit easier and a bit more streamlined for your beneficiaries.","start":2194.145,"end":2198.29,"sentiment":"positive","sentiment_score":0.5191299100716908},{"text":"In the event something happens, as I said, I want nothing to happen.","start":2198.35,"end":2201.07,"sentiment":"neutral","sentiment_score":0.2260685276526671},{"text":"I want you to enjoy the next thirty to forty years of your life and have the best time in retirement.","start":2201.07,"end":2206.61,"sentiment":"positive","sentiment_score":0.5734512962046123}],"sentiment":"positive","sentiment_score":0.46290889889001846,"channel":0,"num_words":50,"start":2193.3452,"end":2206.61},{"sentences":[{"text":"Thirty or forty?","start":2207.435,"end":2208.395,"sentiment":"neutral","sentiment_score":0.0279218132297198},{"text":"Jeez.","start":2208.395,"end":2208.895,"sentiment":"neutral","sentiment_score":-0.042762305587530136},{"text":"That'd be 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one's.","start":2217.67,"end":2218.33,"sentiment":"neutral","sentiment_score":-0.2260614037513733}],"sentiment":"neutral","sentiment_score":-0.2260614037513733,"channel":1,"num_words":2,"start":2217.67,"end":2218.33},{"sentences":[{"text":"Yeah.","start":2218.765,"end":2219.1648,"sentiment":"neutral","sentiment_score":-0.10518751293420792},{"text":"No.","start":2219.1648,"end":2219.325,"sentiment":"neutral","sentiment_score":-0.20490139722824097},{"text":"That's okay.","start":2219.325,"end":2220.125,"sentiment":"neutral","sentiment_score":-0.11966614425182343},{"text":"Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma.","start":2220.125,"end":2231.23,"sentiment":"neutral","sentiment_score":-0.19712061222110475},{"text":"Are you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing?","start":2231.29,"end":2237.915,"sentiment":"positive","sentiment_score":0.5319764979860999}],"sentiment":"neutral","sentiment_score":0.10434601138587352,"channel":0,"num_words":54,"start":2218.765,"end":2237.915},{"sentences":[{"text":"Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself?","start":2237.915,"end":2245.0552,"sentiment":"neutral","sentiment_score":0.15572133402411753}],"sentiment":"neutral","sentiment_score":0.15572133402411753,"channel":0,"num_words":26,"start":2237.915,"end":2245.0552},{"sentences":[{"text":"No.","start":2245.78,"end":2245.86,"sentiment":"neutral","sentiment_score":-0.10599565505981444},{"text":"No.","start":2245.86,"end":2246.18,"sentiment":"neutral","sentiment_score":-0.13150188326835632},{"text":"I've got a I had the accident insurance with, like, your loss income and that with 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keep an eye on it with you?","start":2289.205,"end":2299.86,"sentiment":"neutral","sentiment_score":0.13172915848818692}],"sentiment":"neutral","sentiment_score":0.12956910729408264,"channel":0,"num_words":80,"start":2279.08,"end":2299.86},{"sentences":[{"text":"Yeah.","start":2300.12,"end":2300.62,"sentiment":"neutral","sentiment_score":0.017568672075867653},{"text":"I've gone through well, I've always gone through a broker.","start":2300.92,"end":2303.48,"sentiment":"neutral","sentiment_score":-0.0104064398445189},{"text":"So","start":2303.48,"end":2303.98,"sentiment":"neutral","sentiment_score":0.016199786216020584}],"sentiment":"neutral","sentiment_score":-0.0058579950127750635,"channel":1,"num_words":12,"start":2300.12,"end":2303.98},{"sentences":[{"text":"Yeah.","start":2305.2202,"end":2305.4602,"sentiment":"neutral","sentiment_score":0.04003872722387314},{"text":"That's 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way?","start":2752.0598,"end":2752.78,"sentiment":"neutral","sentiment_score":0.03312620986253023},{"text":"Yep.","start":2752.78,"end":2753.28,"sentiment":"neutral","sentiment_score":0.023265017196536064}],"sentiment":"neutral","sentiment_score":0.029839145640532177,"channel":0,"num_words":3,"start":2752.0598,"end":2753.28},{"sentences":[{"text":"when we ring next time, that's when we're gonna start doing the money thing, isn't it?","start":2753.33,"end":2756.85,"sentiment":"neutral","sentiment_score":0.004275588551536202},{"text":"The pension","start":2756.85,"end":2757.57,"sentiment":"neutral","sentiment_score":0.025461139157414436}],"sentiment":"neutral","sentiment_score":0.006629538618856006,"channel":1,"num_words":18,"start":2753.33,"end":2757.57},{"sentences":[{"text":"Absolutely.","start":2757.275,"end":2757.775,"sentiment":"neutral","sentiment_score":0.07698272168636322}],"sentiment":"neutral","sentiment_score":0.07698272168636322,"channel":0,"num_words":1,"start":2757.275,"end":2757.775},{"sentences":[{"text":"slip.","start":2757.57,"end":2758.07,"sentiment":"neutral","sentiment_score":0.06343001127243042},{"text":"Yeah.","start":2758.1301,"end":2758.6301,"sentiment":"neutral","sentiment_score":0.09592054784297945}],"sentiment":"neutral","sentiment_score":0.07967527955770493,"channel":1,"num_words":2,"start":2757.57,"end":2758.6301},{"sentences":[{"text":"Yeah.","start":2758.475,"end":2758.975,"sentiment":"neutral","sentiment_score":0.10538950562477112},{"text":"So I have you booked in for 08:30AM on the July 23, so in two weeks.","start":2759.115,"end":2763.915,"sentiment":"neutral","sentiment_score":0.1330574592575431},{"text":"In the meantime, I'll do the research, get the advice document ready to go.","start":2763.915,"end":2767.83,"sentiment":"neutral","sentiment_score":0.16069443630320684},{"text":"I'll","start":2768.23,"end":2768.3901,"sentiment":"neutral","sentiment_score":0.16309987008571625}],"sentiment":"neutral","sentiment_score":0.14522283850237727,"channel":0,"num_words":32,"start":2758.475,"end":2768.3901},{"sentences":[{"text":"Yep.","start":2768.29,"end":2768.745,"sentiment":"neutral","sentiment_score":0.185621976852417}],"sentiment":"neutral","sentiment_score":0.185621976852417,"channel":1,"num_words":1,"start":2768.29,"end":2768.745},{"sentences":[{"text":"talk to you on the twenty third.","start":2768.3901,"end":2769.75,"sentiment":"neutral","sentiment_score":0.17769320734909602},{"text":"We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions.","start":2769.75,"end":2775.29,"sentiment":"neutral","sentiment_score":0.3033244975588538},{"text":"You can then take those recommendations back, have a bit of a read of them.","start":2775.6702,"end":2779.29,"sentiment":"neutral","sentiment_score":0.26564779977003733},{"text":"Let me know if you do have any additional questions.","start":2779.35,"end":2781.51,"sentiment":"neutral","sentiment_score":0.24358010292053223},{"text":"And as soon as you sign that, bring it back.","start":2781.51,"end":2783.715,"sentiment":"neutral","sentiment_score":0.19052269756793977}],"sentiment":"neutral","sentiment_score":0.25379275623708963,"channel":0,"num_words":64,"start":2768.3901,"end":2783.715},{"sentences":[{"text":"We'll then go forward and complete the application there for you and get","start":2783.715,"end":2787.7952,"sentiment":"neutral","sentiment_score":0.26534991080944353}],"sentiment":"neutral","sentiment_score":0.26534991080944353,"channel":0,"num_words":13,"start":2783.715,"end":2787.7952},{"sentences":[{"text":"Right.","start":2787.64,"end":2788.14,"sentiment":"neutral","sentiment_score":0.1476588249206543}],"sentiment":"neutral","sentiment_score":0.1476588249206543,"channel":1,"num_words":1,"start":2787.64,"end":2788.14},{"sentences":[{"text":"that moved into pension so you can start drawing your income payments.","start":2787.7952,"end":2791.0151,"sentiment":"neutral","sentiment_score":0.2262881069133679},{"text":"Okay?","start":2791.235,"end":2791.735,"sentiment":"neutral","sentiment_score":0.16838452219963074}],"sentiment":"neutral","sentiment_score":0.2218339850123112,"channel":0,"num_words":13,"start":2787.7952,"end":2791.735},{"sentences":[{"text":"Okeydoke.","start":2791.64,"end":2792.14,"sentiment":"neutral","sentiment_score":0.2213636338710785},{"text":"So I'll just sign what you sent me and then send my send my license back as","start":2792.36,"end":2796.815,"sentiment":"neutral","sentiment_score":0.14930345512488308}],"sentiment":"neutral","sentiment_score":0.15330679838856062,"channel":1,"num_words":18,"start":2791.64,"end":2796.815},{"sentences":[{"text":"Yeah.","start":2796.93,"end":2797.33,"sentiment":"neutral","sentiment_score":0.06821354478597641},{"text":"That'd be 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us","start":2806.45,"end":2808.29,"sentiment":"neutral","sentiment_score":0.12540209144353867}],"sentiment":"neutral","sentiment_score":0.08111781806305603,"channel":0,"num_words":27,"start":2802.05,"end":2808.29},{"sentences":[{"text":"well.","start":2808.155,"end":2808.655,"sentiment":"neutral","sentiment_score":0.13527697324752808}],"sentiment":"neutral","sentiment_score":0.13527697324752808,"channel":1,"num_words":1,"start":2808.155,"end":2808.655},{"sentences":[{"text":"sending you that text message.","start":2808.29,"end":2809.7048,"sentiment":"neutral","sentiment_score":0.08211173713207245},{"text":"And then","start":2809.7048,"end":2810.185,"sentiment":"neutral","sentiment_score":0.05221737362444401}],"sentiment":"neutral","sentiment_score":0.07357049041560718,"channel":0,"num_words":7,"start":2808.29,"end":2810.185},{"sentences":[{"text":"Mhmm.","start":2810.155,"end":2810.655,"sentiment":"neutral","sentiment_score":0.04716898500919342}],"sentiment":"neutral","sentiment_score":0.04716898500919342,"channel":1,"num_words":1,"start":2810.155,"end":2810.655},{"sentences":[{"text":"those annual review documents will be in your email for you.","start":2810.185,"end":2813.4648,"sentiment":"neutral","sentiment_score":0.12422527982430025},{"text":"Okay?","start":2813.4648,"end":2813.9648,"sentiment":"neutral","sentiment_score":0.06442061066627502}],"sentiment":"neutral","sentiment_score":0.1192415573944648,"channel":0,"num_words":12,"start":2810.185,"end":2813.9648},{"sentences":[{"text":"Alright.","start":2814.9,"end":2815.4,"sentiment":"neutral","sentiment_score":0.12426191568374634},{"text":"No worries.","start":2815.46,"end":2816.2,"sentiment":"neutral","sentiment_score":0.21012505888938904}],"sentiment":"neutral","sentiment_score":0.1815040111541748,"channel":1,"num_words":3,"start":2814.9,"end":2816.2},{"sentences":[{"text":"Perfect.","start":2816.185,"end":2816.685,"sentiment":"positive","sentiment_score":0.6391688585281372},{"text":"Easy.","start":2816.825,"end":2817.145,"sentiment":"positive","sentiment_score":0.5100601315498352},{"text":"And just so I can confirm for the advice, when was your last day of work again for me?","start":2817.145,"end":2821.565,"sentiment":"neutral","sentiment_score":0.09585409964385785}],"sentiment":"neutral","sentiment_score":0.14145032777672722,"channel":0,"num_words":21,"start":2816.185,"end":2821.565},{"sentences":[{"text":"The sixth.","start":2822.66,"end":2823.4,"sentiment":"neutral","sentiment_score":0.01346765086054802},{"text":"Well, Monday.","start":2825.145,"end":2825.945,"sentiment":"neutral","sentiment_score":0.0241806423291564},{"text":"The sixth, was it?","start":2825.945,"end":2826.905,"sentiment":"neutral","sentiment_score":0.04028560779988766},{"text":"The","start":2826.905,"end":2827.065,"sentiment":"neutral","sentiment_score":0.03464061766862869}],"sentiment":"neutral","sentiment_score":0.03011995947195424,"channel":1,"num_words":9,"start":2822.66,"end":2827.065},{"sentences":[{"text":"Monday.","start":2827.03,"end":2827.51,"sentiment":"neutral","sentiment_score":0.04790668189525604}],"sentiment":"neutral","sentiment_score":0.04790668189525604,"channel":0,"num_words":1,"start":2827.03,"end":2827.51},{"sentences":[{"text":"sixth 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know.","start":2837.3152,"end":2840.2751,"sentiment":"neutral","sentiment_score":0.2984238586255482},{"text":"My name's Dana, and","start":2840.2751,"end":2841.955,"sentiment":"neutral","sentiment_score":0.1860584393143654}],"sentiment":"positive","sentiment_score":0.49394083407617384,"channel":0,"num_words":31,"start":2834.3901,"end":2841.955},{"sentences":[{"text":"Yep.","start":2841.76,"end":2842.26,"sentiment":"neutral","sentiment_score":0.22103886306285855}],"sentiment":"neutral","sentiment_score":0.22103886306285855,"channel":1,"num_words":1,"start":2841.76,"end":2842.26},{"sentences":[{"text":"I'll be I'll chat to you on the twenty third.","start":2841.955,"end":2844.3552,"sentiment":"neutral","sentiment_score":0.2375944286584854},{"text":"We'll go through that advice 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later.","start":2853.76,"end":2854.4,"sentiment":"positive","sentiment_score":0.34917426109313965},{"text":"Bye.","start":2854.4,"end":2854.9,"sentiment":"neutral","sentiment_score":0.20688170194625857}],"sentiment":"positive","sentiment_score":0.3938460648059845,"channel":0,"num_words":6,"start":2852.96,"end":2854.9},{"sentences":[{"text":"Alright.","start":2855.353,"end":2855.853,"sentiment":"neutral","sentiment_score":-0.10753902047872543}],"sentiment":"neutral","sentiment_score":-0.10753902047872543,"channel":1,"num_words":1,"start":2855.353,"end":2855.853}]},"summary":{"result":"success","short":"The agent discusses retirement plans with the customer, emphasizing the importance of updating retirement plans and staying in a pension fund. They also discuss the benefits of moving into a pension phase and the possibility of selling a property if the market does not recover quickly. The agent provides policy numbers and coverage information for the customer and emphasizes the importance of having a will and power of attorney to ensure proper coverage for beneficiaries. The agent also offers assistance with future claims and updates the customer's ID."},"intents":{"segments":[{"text":"That's why we always try to give you a call. And if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back. And thank you so much for giving us a callback. Yeah.","start_word":117,"end_word":171,"intents":[{"intent":"Request callback","confidence_score":0.04724399}]},{"text":"And then I'll I'll just set a figure now, Yeah.","start_word":778,"end_word":787,"intents":[{"intent":"Set a figure","confidence_score":0.26869047}]},{"text":"do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented. I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like. We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit. Yep.","start_word":925,"end_word":992,"intents":[{"intent":"Obtain advice on retirement phase","confidence_score":0.0003243724}]},{"text":"We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit. Yep.","start_word":972,"end_word":992,"intents":[{"intent":"Reevaluate super","confidence_score":0.26324323}]},{"text":"We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along. Mhmm.","start_word":993,"end_word":1045,"intents":[{"intent":"Recommend changes","confidence_score":0.014643732},{"intent":"Provide advice","confidence_score":0.17258741}]},{"text":"What sort of time of day is better for yourself to have that that call? Did you want sort of early in the morning or in the afternoon?","start_word":1277,"end_word":1304,"intents":[{"intent":"Schedule call","confidence_score":0.6202111}]},{"text":"Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything Yep.","start_word":1414,"end_word":1444,"intents":[{"intent":"Request lump sums","confidence_score":0.11084275}]},{"text":"you get close to the age 67, we can look at, you know, age pension eligibility, look at reducing your income payments down, if you're able to get age pension in there as well and sort of provide that longevity from then on. Yeah.","start_word":1843,"end_word":1886,"intents":[{"intent":"Analyze retiree eligibility","confidence_score":0.000027342909}]},{"text":"I'm just sort of having a quick look at whether some of I get the that or not, valuations. but that's what she says. I mean, people will pay, won't they? Especially at the moment. It's saying here, rough valuation, mid $9.30, high, 1.06 mil. But let me just double check. I haven't had a valuation. It was just from a real estate person. Yeah.","start_word":2507,"end_word":2571,"intents":[{"intent":"Assess property value","confidence_score":0.32378042}]},{"text":"you could get a pretty penny for it. But you're retired now, so you'll get to enjoy the view every day and not have to go to work. That's wrong.","start_word":2802,"end_word":2831,"intents":[{"intent":"Inform about retirement benefits","confidence_score":0.0038002778}]},{"text":"I'm just taking all of the super contributions out. So you're not expecting any additional contributions from your employer over the next two weeks. They will have made all the contributions required for you finishing up on work. Well, as far as I know, because I can't they probably can't send emails and that like, I never even got an email saying I just looked at my bank and the money Oh, was in there.","start_word":3168,"end_word":3242,"intents":[{"intent":"Address employee concerns","confidence_score":0.0015811257}]},{"text":"Are you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension.","start_word":3866,"end_word":3905,"intents":[{"intent":"Assess netwealth as an option","confidence_score":0.08628293}]},{"text":"Would you like me to review all those options for you? Yeah.","start_word":3906,"end_word":3917,"intents":[{"intent":"Review options for pension","confidence_score":0.17623195}]},{"text":"Now I did give you a balance. So your balance is at $7.44 $3.70 and 40<unk>, which is great. When Mhmm.","start_word":3925,"end_word":3945,"intents":[{"intent":"Provide a balance","confidence_score":0.06469512}]},{"text":"we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well.","start_word":3946,"end_word":3970,"intents":[{"intent":"Review super performance","confidence_score":0.07392308}]},{"text":"But moving forward, one of your investments is underperforming a little bit. And whilst it hasn't really held your super back, I would like to maybe remove that for you. I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit. Yep.","start_word":4077,"end_word":4136,"intents":[{"intent":"Discuss investments as underperforming","confidence_score":0.0027186961}]},{"text":"I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit. Yep.","start_word":4107,"end_word":4136,"intents":[{"intent":"Reduce risk level","confidence_score":0.17253101}]},{"text":"So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe Mhmm. get rid of anything that's underperforming because you've now got longevity with your super paying you a pension. So we wanna make sure that you're not in any underperforming investments and review all of those. Does that make sense?","start_word":4197,"end_word":4257,"intents":[{"intent":"Review super","confidence_score":0.19632284},{"intent":"Review investments","confidence_score":0.7178074}]},{"text":"Yep.","start_word":4378,"end_word":4378,"intents":[{"intent":"Reduce risk level","confidence_score":0.19588198}]},{"text":"wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward. Does that sound okay?","start_word":4382,"end_word":4426,"intents":[{"intent":"Run risk questionnaires","confidence_score":0.033658735}]},{"text":"Where do you think you might fit?","start_word":4653,"end_word":4659,"intents":[{"intent":"Determine purpose","confidence_score":0.000022303426}]},{"text":"Are you feeling optimistic about the market and the future investment opportunities?","start_word":5007,"end_word":5018,"intents":[{"intent":"Assess future investment options","confidence_score":0.00010281504}]},{"text":"It's I'll just put a share in toilet in it, and Yep. I've got it I've got it set up. So if I wanna sell it, people can back a caravan and live in it pretty much. Okay.","start_word":5304,"end_word":5341,"intents":[{"intent":"Set up and sell toilet","confidence_score":0.009319807}]},{"text":"I love I store new boats and that out there.","start_word":5348,"end_word":5357,"intents":[{"intent":"Store and store boats","confidence_score":0.12273614}]},{"text":"or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains. Yeah. Yeah.","start_word":5482,"end_word":5511,"intents":[{"intent":"Submit gains","confidence_score":0.7508239}]},{"text":"We can update Yep. the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you. But, yeah, you absolutely can currently. Yeah.","start_word":5567,"end_word":5621,"intents":[{"intent":"Update and review advice","confidence_score":0.010481566}]},{"text":"Now to kind of look at that, you have scored as more of a moderate investor. So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark. As a Mhmm.","start_word":5691,"end_word":5755,"intents":[{"intent":"Optimize investment portfolio","confidence_score":0.0007394137}]},{"text":"So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you.","start_word":6236,"end_word":6262,"intents":[{"intent":"Assess portfolio balance","confidence_score":0.18842372}]},{"text":"So because we are moving into pension phase, it is a Yeah. whole new account that we open up, so I do make a recommendation on Yep. beneficiaries. But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well. Okay.","start_word":6833,"end_word":6890,"intents":[{"intent":"Recommend yep beneficiaries","confidence_score":0.17934147}]},{"text":"The other side of your state planning is the will and powers of attorney.","start_word":7054,"end_word":7067,"intents":[{"intent":"Discuss state planning","confidence_score":0.0069029243}]},{"text":"Is your will current and reflective of your current circumstances? Yeah.","start_word":7082,"end_word":7092,"intents":[{"intent":"Describe current situation","confidence_score":0.000053167452}]},{"text":"I'd have to have a look. That's that's okay. As long as you had a power of attorney done up, that's all all sorted. Yeah. Yeah.","start_word":7197,"end_word":7222,"intents":[{"intent":"Check will","confidence_score":0.0010330736}]},{"text":"As long as you had a power of attorney done up, that's all all sorted. Yeah. Yeah.","start_word":7206,"end_word":7222,"intents":[{"intent":"Provide account information","confidence_score":0.000013533999}]},{"text":"What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future. We want nothing to happen.","start_word":7246,"end_word":7280,"intents":[{"intent":"Request will","confidence_score":0.018564953},{"intent":"Request will","confidence_score":0.13572349}]},{"text":"Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma.","start_word":7453,"end_word":7480,"intents":[{"intent":"Confirm retirement","confidence_score":0.0026936706}]},{"text":"Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself?","start_word":7503,"end_word":7528,"intents":[{"intent":"Discuss insurance options","confidence_score":0.3142586}]},{"text":"You pay that out of pocket. Yep.","start_word":7606,"end_word":7612,"intents":[{"intent":"Pay out of pocket","confidence_score":0.015302959}]},{"text":"Do you know do you happen to have, like, a policy number?","start_word":7620,"end_word":7631,"intents":[{"intent":"Have policy number","confidence_score":0.03057427}]},{"text":"Do you know do you happen to have, like, a policy number? What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you? Yeah.","start_word":7620,"end_word":7699,"intents":[{"intent":"Understand circumstances","confidence_score":0.7951356}]},{"text":"What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you? Yeah.","start_word":7632,"end_word":7699,"intents":[{"intent":"Give advice","confidence_score":0.0045819473}]},{"text":"I've gone through well, I've always gone through a broker. So Yeah.","start_word":7700,"end_word":7711,"intents":[{"intent":"Keep broker","confidence_score":0.36521253}]},{"text":"he kind of review the policy with you every year and update things Yeah.","start_word":8132,"end_word":8145,"intents":[{"intent":"Update policy details","confidence_score":0.041382402}]},{"text":"And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine.","start_word":8211,"end_word":8237,"intents":[{"intent":"Add third party authority","confidence_score":0.64272577}]},{"text":"I I thought it was all here, but it's just all to do with the policy. It's hasn't even got the bloody policy number on it. That's But okay.","start_word":8285,"end_word":8313,"intents":[{"intent":"Assist with policy","confidence_score":0.025034502},{"intent":"Read policy","confidence_score":0.04416765}]},{"text":"I can get Samantha to sort of follow that one up with you.","start_word":8345,"end_word":8357,"intents":[{"intent":"Follow up on policy","confidence_score":0.03217107}]},{"text":"The account number you want?","start_word":8471,"end_word":8475,"intents":[{"intent":"Get account number","confidence_score":0.036700998}]},{"text":"We'll I'll get some Samantha just to drop a third party authority. We'll see if we can have that applied there for you.","start_word":8550,"end_word":8572,"intents":[{"intent":"Apply third party authority","confidence_score":0.053995978}]},{"text":"Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full Yep. and Yep. can make sure the advice document reflects that for you. Okay? Mhmm.","start_word":8573,"end_word":8616,"intents":[{"intent":"Help with advice","confidence_score":0.005843223}]},{"text":"Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome. We just need you to sign and return that back. You Mhmm.","start_word":8620,"end_word":8693,"intents":[{"intent":"Review and return service agreement","confidence_score":0.046558376}]},{"text":"The only other thing is it looks like your your ID on file has expired. If I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back? Yeah.","start_word":8803,"end_word":8858,"intents":[{"intent":"Update id","confidence_score":0.6308768},{"intent":"Verify id","confidence_score":0.15195411},{"intent":"Verify and update id","confidence_score":0.044976693}]},{"text":"Medium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well. Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment?","start_word":9081,"end_word":9136,"intents":[{"intent":"Inform about financial goals","confidence_score":0.0000030519564}]}]},"sentiments":{"segments":[{"text":"Hi, Darren. This is Dana. How are you this morning?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.17392995953559875},{"text":"Good day, though. Thank you. That's good. Thank you so much for calling us back.","start_word":10,"end_word":24,"sentiment":"positive","sentiment_score":0.5449018478393555},{"text":"You've had some issues with Telstra too, I believe. Yeah. At at my house here, it's been fine, and I've been sitting around here till about half past ten. I had to get down the road for ten minutes, and where I went was SOS. Oh, And wow. then I got back here, and that's when I missed this. Because I was supposed to be Yeah. 08:30 this morning when I was sitting around. Yeah. Well, I know Yeah. everyone's Yeah. got trouble. You know? Yeah. No. That's understandable. That's absolutely fine. That's why we always try to give you a call. And if you don't answer, we send that text message to you so you can see that we have attempted to give you a call and that if you're available to call us back.","start_word":25,"end_word":160,"sentiment":"neutral","sentiment_score":-0.009963084012269974},{"text":"And thank you so much for giving us a callback.","start_word":161,"end_word":170,"sentiment":"positive","sentiment_score":0.3629624843597412},{"text":"Yeah. Do No you have worries. some time now just to run through your interview, have a bit of a chat, and see how things are going for you? Yeah. Yep. Yeah. No worries.","start_word":171,"end_word":204,"sentiment":"neutral","sentiment_score":0.10308320075273514},{"text":"Fantastic. All good.","start_word":205,"end_word":207,"sentiment":"positive","sentiment_score":0.48752832412719727},{"text":"Now we do send out some annual review packs to you as well just for the documents Mhmm. that we are going through. Essentially, we're just gonna get my admin team member to kinda send those through to you just to email it through. Are you able to look at your emails at the moment, or you prefer just to run through things and have a look at the master? I've got my iPad upstairs if you want. But That's okay. It's completely up to Yeah. you. You're welcome to have a bit of a look later, and we can kinda go go through things Yeah. now. Do you want us to make it easier on you? I know you've had a a fun Yeah. time with technology already this morning. Yeah. Yeah. Better. All Yeah. good. No worries. Easy. Just as hard to get in your review before you kinda jump into things there, Darren. Is there anything particularly question wise you might have for us or anything specific you wanted me to sort of touch base on for you? Yep. I've finished work.","start_word":208,"end_word":392,"sentiment":"neutral","sentiment_score":0.08775382980301573},{"text":"I pulled the Oh, pin out fantastic. there. Excellent.","start_word":393,"end_word":401,"sentiment":"positive","sentiment_score":0.5289894342422485},{"text":"And I tried to get in I looked at it a couple of weeks ago, and I had 17 hundred and 700 and 17000. I tried to get in this morning, but I couldn't get a code back from Telstra. Like, I couldn't get a code back to get into it. Oh, is that for your Netwealth yeah. Superfund? Yeah. Yeah. Yeah. Yeah. Yeah. You will. I'll give I'll give you the balance now. So your balance as of the July 7, which is when we did the documents up for you, is 744,370 and 40<unk>. Nice. Yeah. Yeah. Well, it said 717 about two weeks ago. Three weeks Fantastic. ago or something. Yeah. That's No. good. Oh, good. That's better. It is. Yeah. It is. So now you have fully finished work. Are you wanting to maybe start drawing a pension out of your super? Yeah. Yep. Yep. Yep. Beautiful. And just double checking. So age, you're 61 this year in November, so 60 now? That's it. Yep. Yep. Beautiful. And how long ago did you finish work? The last pay was was it Monday? Yeah. Oh, fantastic. Did you get any kind of, like, long service leave, sick leave not sick leave, but long service leave or annual leave kinda paid out to give you a bit of a buffer before that pension sort of starts? Or how long do you think before you would need to start receiving a pension? Well, I've got a few things. We're going away on a trip in another four weeks. Yep. And, oh, that's nearly all paid for, but, yeah, of course, you're gonna have spending money in it. Absolutely. Yeah. I might give it a couple of weeks till Okay. I start because I just paid I I paid the I got the remainder of me pay put into me super, and then they but the holidays that they had to they had to put it into me bank. Yes. Right. Yeah.","start_word":402,"end_word":733,"sentiment":"neutral","sentiment_score":0.029144851092518458},{"text":"Because they couldn't do it, but they couldn't put it in me.","start_word":734,"end_word":745,"sentiment":"negative","sentiment_score":-0.4806547164916992},{"text":"So they told me. Yeah. And No. then That's yeah. okay. Anyway yeah. So yeah. I reckon in a couple of weeks, I'll wanna I'll start drawing on it. And I'll yeah. And then I'll I'll just set a figure now, Yeah. and then and then when I get back from holidays and that because, like, when I get back, I don't know, this year I might I'll start doing better work. It'll be mainly cash. Okay. Yeah. But So I want you're still having Christmas. a little I bit got of money. a few payments coming up, like, you know, like insurances Yeah. and all that. Yep. Yeah. No. That's okay. How much do you think you're gonna need to draw out a super on a weekly, fortnightly, or monthly basis to live on? Well, I was gonna do weekly. Can I can I when I change that, can I change that on the on my app, or if I could ring you guys? Mhmm. If we do a wing for you. So Yeah. what we'll Got it. do what I'll do after the call is I'll sort of work out a time that you are ready to have the advice presented. I'll go back and do a bit of research around moving you into pension phase, drawing down the income, what that looks like. We'll reevaluate your your super and reevaluate the investments you have, maybe look at reducing the risk a little bit. Yep.","start_word":746,"end_word":992,"sentiment":"neutral","sentiment_score":0.085175521671772},{"text":"We'll then provide the advice to you to recommend what we're recommending, what you know, how to draw that money down, how long that's expected to last, what that looks like for you, any changes to your super that we do recommend you make as well to kind of help you along.","start_word":993,"end_word":1044,"sentiment":"positive","sentiment_score":0.3419038951396942},{"text":"Mhmm. And then it does take about a week for the super funds to move into pension phase. So I just wanna make sure that we've given you enough time between updating the advice for you and starting up pension to make sure that you're not missing any money or not going any, you know, too many weeks without any kind of income Yeah. payment to support you. Because I wanna yeah. I've got a plumbing to do a job here. It's probably gonna cost about 4 or $5,000. And, Okay. yeah, I've got a bid I've got a I've got a bid in the bank, But Yep. I wanna we're going away on the August 11, and I want everything finalized and get it getting a bit of money in the bank before I go away. Yeah. Because Absolutely. we're we're going away for a month. Okay. Yeah. Not a problem. Easy done. So, realistically, we can have this advice sort of updated for you. I would probably say around about maybe two weeks to get that Yep. done Yep. with the sort of advice that we're looking at. So we're at the eighth now. Next week's the fifteenth. If we maybe hook it in for Wednesday, the twenty second or Thursday, the twenty third, would that be okay that's in two weeks' time? Yep. Yep. That'll be Yep. fine then. What sort of time of day is better for yourself to have that that call? Did you want sort of early in the morning or in the afternoon? Yeah. 08:30 in the well, what can we do? I 08:30? We can. Yeah. It would need to be on the Thursday, the twenty third, because that's when I Yep. have that time frame available. So I'll pop it in there for you for 08:30 on the Thursday twenty is third the '20 for your statement of advice, Yeah. twenty twenty third, 08:30. Yep. '20 Alright. July 3 at 08:30. Yeah. Yep. And, yeah, I mean, Beautiful. I'm looking at I'll probably I'll have to start. I'll probably I'm gonna try about $1,200 a week. Okay. So 1,200 per week is what's needed Yep. for living expenses.","start_word":1045,"end_word":1411,"sentiment":"neutral","sentiment_score":0.03326325641300438},{"text":"Beautiful.","start_word":1412,"end_word":1412,"sentiment":"positive","sentiment_score":0.5039198398590088},{"text":"Did you need any additional sort of lump sums drawn down for any of those for your holiday or for, like, your plumbing that you've got coming up or anything Yep. like that? No. It should be wrong. I've got I've got a bit there. I've got a bit, don't know, nearly 80,000 in the bank there now. So it should be Okay. because I got a got a $12,000 payout, and and then I've got to get a long service. Oh, that's only a couple of weeks, but that's that's a bit of money. So I'm gonna ring them up yet. I've been waiting to for this Telstra to come back online and that and give them a ring and Get all that sorted for you. yeah. Yeah. Absolutely. Yeah. But Absolutely. and and and say, like, you know, say you're gonna put me on that 1,200 a week. And if I wanna lump sum, I'll just ring things up and say, look, I need this is what I Yeah. need. Absolutely. Is that a lot? That was yeah.","start_word":1413,"end_word":1592,"sentiment":"neutral","sentiment_score":-0.018424130976200104},{"text":"Absolutely. You can take the money out whenever you need. And one of the benefits for moving out of that super accumulation phase into the pension phase is that everything inside of that is tax free.","start_word":1593,"end_word":1628,"sentiment":"positive","sentiment_score":0.378615289926529},{"text":"So with your super at the moment being an accumulation, they actually charge you tax on well, your super fund pays tax on income and capital gains. From moving Oil.","start_word":1629,"end_word":1658,"sentiment":"neutral","sentiment_score":0.3030300736427307},{"text":"into pension phase, everything in that phase is completely tax free.","start_word":1659,"end_word":1669,"sentiment":"positive","sentiment_score":0.34944209456443787},{"text":"The income payments you draw down, you can draw down extra ad hoc lump sums as you need it. You just Yep. give us a call. You just request the payment. We can do it under advice. It takes a bit longer to do the advice around that, or you can just request it as a transaction without advice, which is a quicker way to draw down extra lump sums outside of Yep. your Yep. normal pension payments. We'll Yep. still review the super with you, see how it's working, review your pension payments with you every year, look at your risk level to make sure you're invested correctly, and check your investments.","start_word":1670,"end_word":1782,"sentiment":"neutral","sentiment_score":0.1751297563314438},{"text":"Because as much as you're sort of, you know, retiring now and moving into that pension phase, you still have longevity.","start_word":1783,"end_word":1803,"sentiment":"positive","sentiment_score":0.33704835176467896},{"text":"You know, you're only 60. So Yeah. most people For spend sure. ten, twenty, thirty, or even forty odd years in retirement.","start_word":1804,"end_word":1825,"sentiment":"neutral","sentiment_score":0.21324649453163147},{"text":"So making your super work as long as possible also fits in that stage.","start_word":1826,"end_word":1839,"sentiment":"positive","sentiment_score":0.42692092061042786},{"text":"And when Yeah. you get close to the age 67, we can look at, you know, age pension eligibility, look at reducing your income payments down, if you're able to get age pension in there as well and sort of provide that longevity from then on. Yeah. Okay. The although I'm gonna do it, like I said, I'll get I'll draw this pension, and I've got I've Yeah. got a few assets in that that I can sell when I'm finished. Don't like like, I've got a Yep. pretty good I've got a boat there with, like, 250,000. I can sell it, like, as we Yeah. as, like, Wow. in a few years' time when we don't use it anymore, Yeah. we'll just sell it. And it's a boat Yes.","start_word":1840,"end_word":1969,"sentiment":"neutral","sentiment_score":0.09584186226129532},{"text":"that holds its value to you.","start_word":1970,"end_word":1975,"sentiment":"positive","sentiment_score":0.3470931351184845},{"text":"And then I've also got a block of land with a shed on it. That's probably it's worth somewhere between $3.30 and 400,000 as well.","start_word":1976,"end_word":2000,"sentiment":"neutral","sentiment_score":0.15150225162506104},{"text":"So Nice.","start_word":2001,"end_word":2002,"sentiment":"positive","sentiment_score":0.3615007996559143},{"text":"Yeah. I'm gonna I've yeah. got You that gradually one down get here rid that of stuff. block of land. Yeah. Yeah. Yep. So I've Yeah. got the block of land on here with the shared asset value. Last year was about 330,000. Would you increase that a bit more from there, do you reckon? Well, it's hard. Yeah. It'd be between $3.30 and 400,000. But Okay. that's a rough figure. Yeah. Yeah. That's Because okay. sheds are tripled, I think, since I build it, I think they said. Yeah. Absolutely. And so the bar you mentioned the valuation we have on there was 25,000, but you said it's a bit higher now? 25,000? Yeah. No. $10.50? That's what Not I thought. right. I've been it must have just missing a zero in there from your review last year, and that's okay. I'll just pop that in there. So two Yeah. 150,000 on the boat. You've got that tinny still as well. Do you have the tinny there? Yeah. The 10 is worth probably roughly 45. 45,000?","start_word":2003,"end_word":2179,"sentiment":"neutral","sentiment_score":-0.028631924383215983},{"text":"Beautiful. Yeah. Excellent.","start_word":2180,"end_word":2182,"sentiment":"positive","sentiment_score":0.4770944118499756},{"text":"And then I've also got the two cars that you have. One of those valued at about 160,000. Is that accurate for one of your vehicles? Yeah. We got three, actually. Got Yeah. a That's alright. $100,160, and we got the RAV. It's worth around 45. We're gonna get rid of that later this year or early next year because I'm Yep. home there. And Yeah. the crew my cruise is worth about roughly 60. Okay. Perfect. So we'll sell I'll just note down here. So we're gonna sell the RAV later this year, about 45,000 of value on that one. There's no debt on the RAV. It's owned outright. Yeah. Yeah. No. It's saying that right. Yep. Yep. Beautiful. And the value of the so the car that you had valued at 60,000, it's a cruiser. Land Cruiser yeah. You yeah. Yep. Perfect. Land Cruiser. Beautiful. And the vehicle that you valued at 160,000, what kind of car is that? It's a Toyota Land Cruiser 300. Land Cruiser 300. Beautiful. And are you planning to keep the other two Land Cruisers? Are you looking to maybe just keep one of those? No. No. We'll keep the u in the in the 300. Yeah. Yep. Yep. Because Beautiful. I well, I Fantastic. could tow boats on it. Yeah. Yeah. Absolutely. And your main primary residence assets value on that one we had last year was about 1,200,000. Would you change or alter that valuation? Is that fairly accurate still? Yeah. No. It's gone up. They well, I don't know. Yeah. I I had a real estate person here, and they they were talking, like, 1.6. Wow. Really? Things Let me are going just well, pop we live the at address a beach, on. and, yeah, things I mean, just that's get gonna be really rippling.","start_word":2183,"end_word":2487,"sentiment":"neutral","sentiment_score":0.04146648197144759},{"text":"that's gonna be really good. Yeah. Absolutely. It's a pretty big home and a big shed and Yeah. Nice.","start_word":2488,"end_word":2506,"sentiment":"positive","sentiment_score":0.4669800698757171},{"text":"I'm just sort of having a quick look at whether some of I get the that or not, valuations. but that's what she says. I mean, people will pay, won't they? Especially at the moment. It's saying here, rough valuation, mid $9.30, high, 1.06 mil. But let me just double check. I haven't had a valuation. It was just from a real estate person. Yeah. No. No. Definitely. And I I just mean, said was because looking at it see, where you this are, house it's not is a actually bad place. big, Yeah. It's not a bad house where you're at.","start_word":2507,"end_word":2608,"sentiment":"neutral","sentiment_score":-0.03298395127058029},{"text":"And it's got a it's got Good a real location.","start_word":2609,"end_word":2618,"sentiment":"positive","sentiment_score":0.33401426672935486},{"text":"big shed on it that'll house two Yeah. big boats. So that's that's the biggest thing for down here. Yep. People people have houses along the front, along the beach, and they can't sell them. Well, they can sell them, but it takes a lot of price off because they can't get access to a big shed and they haven't got a big shed. So Yeah. that's why Definitely. everyone has a boat down there pretty much. Yeah. Yeah. No. So that I adds mean, look. On this, 1.6 doesn't sound very far off. Did you want me to increase the value there to yeah. one point Right. six? No? Yeah. I'll put 1.5. I'll put 1.5. Yeah. Yeah. That's okay. It's gotta be what you're comfortable with. I mean, it's just a sort of an estimated value based on, you know, what you value your property at. Not saying that you're gonna sell up to this much money, Yeah. but, realistically, when you think about how much properties have grown, someone probably you know, and where you're located especially, I mean, Yeah. you could get a pretty penny for it. But you're retired now, so you'll get to enjoy the view every day and not have to go to work. That's wrong. No.","start_word":2619,"end_word":2832,"sentiment":"neutral","sentiment_score":0.02053992798395246},{"text":"Excellent.","start_word":2833,"end_word":2833,"sentiment":"positive","sentiment_score":0.4548892378807068},{"text":"Is there any other assets or liabilities that we haven't got on file? Do you have any large credit cards or personal loans or debts that we need to note down at all? No. No dits. Nope. That's okay. I'm just updating your asset and made it income. So we'll start with $1,200 per week in income for you Yep. to be drawn down from super. We don't need any additional lump sums at the moment, but in this time between now and into which time we present the advice, if that changes, just let me know. I can always go back and update and change it for you. Yep. Yep. Income wise, I'm just changing that to zero because you are officially now retired, which is fantastic. And now I've got down here that your sorry. You've entered the fact that a relationship, Your partner is Bernice. Is that right? Yeah. That's it. Yep. Yeah. Lovely. Is she retired as well, or is she still working? Well, she's actually on a pension because she's been cooked for a few years, and she's on a Oh, oh, I'm well, she's so on sorry. a a loss of income, you know, with that Yeah. with her insurance. So she gets Yep. paid till she's 65. Yeah.","start_word":2834,"end_word":3048,"sentiment":"neutral","sentiment_score":0.02505217306315899},{"text":"It's a pretty good one, actually.","start_word":3049,"end_word":3054,"sentiment":"positive","sentiment_score":0.33704471588134766},{"text":"Oh, so unlike an income protection claim? Yeah. On income protection. Yeah. Yeah. Because their Yeah. doctors It's 60 have all five. they said, yeah, they've all signed off, and they said you won't be god's yeah. They said you won't be working again. Oh, yeah.","start_word":3055,"end_word":3100,"sentiment":"neutral","sentiment_score":-0.1427343338727951},{"text":"So, I mean, it's it's bad that she's And on that claim.","start_word":3101,"end_word":3112,"sentiment":"negative","sentiment_score":-0.3379563093185425},{"text":"It means that something's obviously happened that means she can't go to work. But on the upside, you get to spend Yeah. some more time together and travel together. That's right. No. Beautiful. Yeah. No. Well, she's got her own thing. Oh, well, you know, we sorted out, so that's alright. Yeah. No.","start_word":3113,"end_word":3165,"sentiment":"neutral","sentiment_score":0.058184895664453506},{"text":"Absolutely. Fantastic. I'm just taking all of the super contributions out.","start_word":3166,"end_word":3176,"sentiment":"positive","sentiment_score":0.4329428970813751},{"text":"So you're not expecting any additional contributions from your employer over the next two weeks. They will have made all the contributions required for you finishing up on work. Well, as far as I know, because I can't they probably can't send emails and that like, I never even got an email saying I just looked at my bank and the money Oh, was in there. I haven't got any correspondence or anything. Probably because they're they all because should they're out west. send you See, they're probably all out. They're probably down out there. yeah. Yeah. Because they definitely should provide you with, like, a final pay slip that, you know, outlines how much you've been paid out, what the taxation looked like, how much was Yes. put into super. Yeah. Yeah. They should. But like I said, they're probably they're out west at the Barnes. They're probably they probably can't do anything out there Yeah. They're probably because, you suffering know, that much a bit more bloody than rest trouble of us. here. But, yeah, they'll definitely they'll definitely they'll definitely Yeah. send all that in. They actually their company is actually getting ordered at the moment. Oh, So really? Golding's there, they're getting something. My my my told me, he said they're getting ordered because they underpaid him a bit on his holidays and all that sort of stuff. Wow. So you might get some back pay. Well, you never know. Yeah. But see, what I've done, I said, just the initial payment. Yeah. I I told you before, but they said, your holidays and your payout, we can't put that in your super. No. Correct. Yeah. And, anyway so I've only just got a lump sum in my bank at the moment. That's all I've got, but they should email me with all the particulars and that. Yep. And and the only That's other okay. thing the only other thing I'm gonna get a pay at well, I gotta I gotta Yep. get in touch with my loan service and get them to pay it out. Can you get that paid straight into your superannuation? Or You might be able to. They may or may not. It really depends upon their rules. yeah. I have to ask I him. yeah. If you can find that out and let me know, see what they are willing to, are you wanting to have that, if possible, added into your soup, or are you sort of wanting to keep maybe some Yeah. of that I money might in keep a bank account as a buffer? yeah. I might just keep that in his bank. It's only it's only about two weeks, I think. Okay. So I'll I'll So probably that's two. it won't be worth the hassle, I don't think, doing the super. But Yeah. yeah. And I'll No. just That's put okay. it straight into my bank account, I think. Yep. Yeah.","start_word":3177,"end_word":3670,"sentiment":"neutral","sentiment_score":-0.05180610631882903},{"text":"Beautiful.","start_word":3671,"end_word":3671,"sentiment":"positive","sentiment_score":0.5169905424118042},{"text":"And you've got about 80,000 in at the moment. Yeah. Right about that. Yeah. Yeah. That's okay.","start_word":3672,"end_word":3688,"sentiment":"neutral","sentiment_score":0.19450564682483673},{"text":"Beautiful.","start_word":3689,"end_word":3689,"sentiment":"positive","sentiment_score":0.5221849083900452},{"text":"It's under? Yeah. I mean, that'll cover you for your holiday. It gives you a bit of a buffer in case large bills and things come up. You said you've got some rego Yep. and some things like that too, and then the plumbing bill coming in as well. So having Yep. those sorts of things in the short term as a bit of a buffer is never a bad thing. Yeah. And then That's if all. you find you need additional amounts over and above that, you have us as your advisers. We can draw money out as well so we can always look at helping you with that. Okay? Yep.","start_word":3690,"end_word":3801,"sentiment":"neutral","sentiment_score":0.1951085478067398},{"text":"Beautiful. Excellent. So we've got a really good idea of where we're going and what the advice needs to look like, which is fantastic.","start_word":3802,"end_word":3825,"sentiment":"positive","sentiment_score":0.6071376403172811},{"text":"Now Mhmm. you are in Netwealth. You have been in Netwealth for quite some time. And look, as a platform, as a super fund. Netwealth is not by any means bad, but there are often cheaper super funds out there. Are you comfortable with me maybe assessing Netwealth as an option for your pension moving forward and maybe look at other super funds out there to see if we're better off moving to a different platform to commence your pension. Would you like me to review all those options for you? Yeah. You should do that. Yep. Yep.","start_word":3826,"end_word":3923,"sentiment":"neutral","sentiment_score":0.05743821710348129},{"text":"Fantastic. Now I did give you a balance. So your balance is at $7.44 $3.70 and 40<unk>, which is great.","start_word":3924,"end_word":3945,"sentiment":"positive","sentiment_score":0.4378832280635834},{"text":"When Mhmm.","start_word":3945,"end_word":3947,"sentiment":"neutral","sentiment_score":0.3098916709423065},{"text":"we kind of have a look at how your super has performed over the past twelve months, majority of things have done very, very well. Essentially, the net return after fees, you're up by 6.74%, which is fantastic.","start_word":3947,"end_word":3985,"sentiment":"positive","sentiment_score":0.4763370752334595},{"text":"Some people would prefer a dollar figure as opposed to a percent there, Darren. So when I kind Mhmm. of break down your income that your your super fund has produced as well as any additional growth, as a dollar figure, you've made about $45,656.72 for the year. So it's a really good amount Yeah. of growth that you have seen.","start_word":3985,"end_word":4046,"sentiment":"neutral","sentiment_score":0.19267810881137848},{"text":"A good good return.","start_word":4046,"end_word":4050,"sentiment":"positive","sentiment_score":0.3457860052585602},{"text":"Yeah. Yep. Sounds good. I have sort of note one of your investments in there as well as everything's done really well in your app, which is great. But moving forward, one of your investments is underperforming a little bit. And whilst it hasn't really held your super back, I would like to maybe remove that for you. I think the worst thing you can have moving into pension phase is having underperforming investments, so we wanna look at maybe reducing your risk level a little bit. Yep. You originally have the Bennelong Australian Equities investment in there. That was meant to be more of an actively managed fund. So the investment manager of Bennelong is meant to be buying and selling investments and trying to outperform against the market.","start_word":4050,"end_word":4180,"sentiment":"neutral","sentiment_score":-0.0702398493885994},{"text":"Unfortunately, they haven't been able to do so, and therefore, it has been underperforming a little bit there.","start_word":4179,"end_word":4196,"sentiment":"negative","sentiment_score":-0.5317938327789307},{"text":"So I would like to definitely look at reviewing your super, review the investments that are in your super, and maybe Mhmm. get rid of anything that's underperforming because you've now got longevity with your super paying you a pension. So we wanna make sure that you're not in any underperforming investments and review all of those. Does that make sense? Do you have Yep. any Yeah. questions? Yeah. For sure. Yeah. No. That sounds Yes.","start_word":4197,"end_word":4272,"sentiment":"neutral","sentiment_score":-0.03171785548329353},{"text":"good. Fantastic.","start_word":4273,"end_word":4274,"sentiment":"positive","sentiment_score":0.5461224317550659},{"text":"Yep. The other thing to look at is the risk level there. So having a look at things, you are and have been in more of that sort of growth environment over the last couple of years. And being in that environment is not in any way, shape, or form bad. It's actually really good when you're accumulating wealth. However, when you kinda go into that pension phase and you start drawing income out of your super, we often wanna look at maybe reducing the risk level and not having those large market fluctuations because we are drawing income out of our super. Yep. I just Yep. wanted to run through a bit of a risk profile questionnaires with you just to sort of see how you're scoring, and we just sort of talk about how we reduce your risk level and what you're comfortable with moving forward. Does that sound okay? Yep. Yep. Yep.","start_word":4275,"end_word":4429,"sentiment":"neutral","sentiment_score":0.03759361431002617},{"text":"Beautiful.","start_word":4430,"end_word":4430,"sentiment":"positive","sentiment_score":0.42660051584243774},{"text":"The first one in here is having a look. Have you ever owned, say, direct shares or investments in your own name before? Shares. Yeah. They are I still got some AMP or resolution of this because they got them given to us through my yeah. I've never actually I don't think I've actually bought shares, but I've had share whatever shares I've had, they haven't been worth anything really. No. That's okay. Yeah. The My car next is one Sugar. is Yeah. I have this. yeah. Yeah. That's alright. The next question here is about inflation, and it says inflation means that things are getting more expensive over time.","start_word":4431,"end_word":4540,"sentiment":"neutral","sentiment_score":-0.07387100160121918},{"text":"We essentially know a 100 this year isn't worth a $100 next year because inflation eats away our buying power.","start_word":4541,"end_word":4560,"sentiment":"negative","sentiment_score":-0.36525240540504456},{"text":"When you think about your super moving forward, are you comfortable taking on a higher level of risk to try and get greater potential returns through your retirement knowing that when we see market downtime because your balance is higher, you'll feel that effect? Or are you sort of comfortable with maybe a medium or moderate amount of risk to get the best returns you can trying to limit market fluctuations, or are you trying to reduce your risk as much as possible knowing the returns are gonna be lower as well? Where do you think you might fit? Well, they took me out of a lot of higher risk there before because it takes you if it drops you, it takes you seven years to recover it, don't it, or It something? can do. Absolutely. Yeah. Yeah. Yep. And I yeah. They took me out a lot of the high risk stuff there. Was that a couple of years ago or something? Yeah. We moved So you what down to kind of that growth area, so stepping down a bit more gradually. Yeah. yeah. So what would be what? Mediacally, like, in the middle there or what do you think? Yes. Abs absolutely. I'll put you Yeah. in the middle. Not a problem at all. Yep. The next one here is asking, how would you feel in six months if you looked at your super and had fallen by 20%? Do you think about putting more money in, maybe taking advantage of the buying opportunity? Are you more likely to hold and wait, hopefully, not having to draw more than the regular income amount and maybe call us and see what's going on with, you know, super and the markets in general? Or are you feeling very concerned and maybe wanting to sell the investments and move money into cash for a bit of security? How do you think you might be feeling? Oh, I think I'll just ring these up and see what you reckon. Yep.","start_word":4561,"end_word":4898,"sentiment":"neutral","sentiment_score":-0.03947659209370613},{"text":"Beautiful.","start_word":4899,"end_word":4899,"sentiment":"positive","sentiment_score":0.48992085456848145},{"text":"You're the expert?","start_word":4900,"end_word":4902,"sentiment":"neutral","sentiment_score":0.31994977593421936},{"text":"Absolutely.","start_word":4903,"end_word":4903,"sentiment":"positive","sentiment_score":0.35489925742149353},{"text":"The next one here is asking about the reasonable rate of return you're trying to get. Now even in our retirement years, we're generally trying to get the best returns we possibly can. That's sort of what you're thinking. Try and get whatever, you know, possible returns you can to keep your sleep working as long as possible. Yep. Yep.","start_word":4904,"end_word":4963,"sentiment":"neutral","sentiment_score":0.18189010694622992},{"text":"Yeah. All good.","start_word":4964,"end_word":4966,"sentiment":"positive","sentiment_score":0.5492293238639832},{"text":"The next one here is essentially, again, looking more at a dip. So if you did sort of see the markets fall in the next few months or the next twelve months, how do you think you might be feeling? Are you feeling optimistic about the market and the future investment opportunities? Are you a bit cautious because you are in pension phase and drawing an income, or are you feeling very concerned, you know, not wanting to sort of draw too much more out and hoping the market recovers fairly quickly? Well, you probably just gotta wait for the recovery, I would imagine, Mhmm. Yeah. because I'm not gonna so maybe you take it out and put it into a bank account and go buy something. No. I've Yeah. been there and No. done that. That's Yeah. okay. Do you think it might still be making you cautious, concerned, or anxious, or just fairly optimistic about, you know, the market coming back and recovering? How do you think you might Well, feel I'll in be that optimistic instance? that it come oh, sorry. Yeah. I'd be I'd be up that's why I didn't put all my money into that because that's why I built that shed, bought that I've got that block cheap. That's why I've and and it's only cost me I haven't added it all up yet, but it's probably cost oh, shit. I could probably make a couple Yep. 100,000 on what it's cost me to build it. That's why I've Yeah. Okay. that's why I've haven't put all I could've put a lot more money in to see if it better now. Put something to real estate. Yeah. Absolutely. And with Yeah. that that investment property and that shed you have on that land, when are you sort of thinking you might wanna sell that, or are you wanting to sort of develop it and live in it in the future? What's your plan for that down the track? Oh, no. It's I'll just put a share in toilet in it, and Yep. I've got it I've got it set up. So if I wanna sell it, people can back a caravan and live in it pretty much. Okay. But no. Well, see, I need it.","start_word":4967,"end_word":5347,"sentiment":"neutral","sentiment_score":-0.05738895626987998},{"text":"I love I store new boats and that out there.","start_word":5348,"end_word":5357,"sentiment":"positive","sentiment_score":0.6113652586936951},{"text":"In the like I said, in the future, like, it Yes. might be it's probably quite a few years' time. Like, once Yeah. that big boat goes, and then I won't need to shed then, then I'll then when it's yeah. So anyway, when it's when it's time, I'll it it'll be quite a few years before I sell that shed in case Yep. something exceptionally bad happens. Yeah. But Of yeah. Because, you know, you might you might become you might come across health problems and stuff like that. You might have to sell all that stuff. course. Yeah. Absolutely. So just holding on to for the time being and until you need to sell it to sort of cover That's you it. or if you decide you don't need the boat anymore, you can't go out anymore, you'll just sell all of it and sort of submit the the gains. Yeah. Yeah. That's right. Yeah. Yep.","start_word":5358,"end_word":5515,"sentiment":"neutral","sentiment_score":0.0009231846779584884},{"text":"And Beautiful.","start_word":5516,"end_word":5517,"sentiment":"positive","sentiment_score":0.5104703307151794},{"text":"and and by then, I'd be could I I could probably just and you could probably, like, if you want to put it back in the like, some of it in the super, couldn't you?","start_word":5518,"end_word":5552,"sentiment":"neutral","sentiment_score":0.19287152588367465},{"text":"You absolutely can.","start_word":5553,"end_word":5555,"sentiment":"positive","sentiment_score":0.353659987449646},{"text":"Yeah. Definitely. When that time comes, you let me Yeah. know. We can update Yep. the advice and look at how much you end up with the capital gains side of things for you and what we do with the money, whether we put it into super, keep some out, and how we invest it to to benefit you. But, yeah, you absolutely can currently. Yeah. Yeah. That's yeah. That's right. Because I wouldn't sell it all Beautiful. at lunch because it'd be too much money.","start_word":5556,"end_word":5641,"sentiment":"neutral","sentiment_score":0.10083604604005814},{"text":"The tax man would like me too much.","start_word":5642,"end_word":5649,"sentiment":"negative","sentiment_score":-0.5260575413703918},{"text":"I would wouldn't need be on your doorstep with a asking for a check. But he tax me, and they know how to get us. Yeah. That's right. Not wrong. Oh, Yeah.","start_word":5650,"end_word":5681,"sentiment":"neutral","sentiment_score":-0.06324276677332819},{"text":"all good. Well, thank you for answering those questions.","start_word":5682,"end_word":5690,"sentiment":"positive","sentiment_score":0.57500159740448},{"text":"Now to kind of look at that, you have scored as more of a moderate investor. So with where you are at the moment on more of that growth side of things, when you look at the risk profiles out of, say, five, with where you are at the moment, you're more that sort of three and a half to four mark. As a Mhmm. more of a moderate investor, that would see us bring you down to more of a two. It sees us kind of reduce your current asset allocations about 80% in growth assets down to about, say, 50 to 60% in those growth assets. Growth assets are things like Australian shares, international shares, listed property, and commodities like gold and silver. Mhmm. Those are the investments that get us the greater gains, but they're also the ones that go up and down and fluctuate quite heavily and can make us quite nervous when the market dips. So if you think back to COVID and the GFC, they're the investments that really saw very large dips that took about seven years to come back and recover. So it Yeah. is reducing the risk by reducing those growth investments. And then Mhmm. we would see you increasing the defensive asset allocation, so things like share oh, sorry. Things like bonds, fixed interest, those sorts of cash investments, essentially, from about 20% currently up to about sort of, 40 to 50%. Do you feel like that kind of an allocation change might be suitable lowering the risk level a little bit, bringing up more of those defensive investments? To kinda give you an idea as well, those defensive investments are more cash producing. So we wanna be drawing income out of those investments to help with your regular income payments in pension, but also so we can keep that money invested and continue growing your super a little bit. Do you have any questions there so far, and does that make sense? And does that kinda feel comfortable for you, or Yeah. would No. you want That sounds alright. That that sounds sounds alright. okay? Hang on. Yep. Mhmm.","start_word":5691,"end_word":6050,"sentiment":"neutral","sentiment_score":0.03421690687537193},{"text":"Beautiful.","start_word":6051,"end_word":6051,"sentiment":"positive","sentiment_score":0.398301899433136},{"text":"I'll look at more of a balanced portfolio for you. To kinda give you an idea of the difference of risk level, at the moment, you generally with your current portfolio, you're generally looking at or expecting a likelihood of a negative return, say, one in every five years. With that balanced environment, you're sort of expecting a likelihood of a negative return, kind of one in every seven years. So you are reducing the risk level a little bit, Yep. And this balanced environment more suits someone who's accessing their funds within in kind of the next three years. You can be in that balanced environment long longer term, but it's about kind of balancing risk with returns and making sure you're getting some income to help balance the income payments you're drawing out on a regular basis, but also protecting your capital and not seeing such big market fluctuations. You know, don't wanna Yep. see those Yep. really Yep.","start_word":6052,"end_word":6212,"sentiment":"neutral","sentiment_score":0.048023078590631485},{"text":"large ups and downs that make you feel nervous.","start_word":6213,"end_word":6221,"sentiment":"negative","sentiment_score":-0.4184657037258148},{"text":"Yeah. Mhmm. Does that all make sense there, Darren? Yeah. Yep. Yep. Yep.","start_word":6222,"end_word":6234,"sentiment":"neutral","sentiment_score":0.02661978267133236},{"text":"Beautiful.","start_word":6235,"end_word":6235,"sentiment":"positive","sentiment_score":0.35150736570358276},{"text":"So I'll have a look at the balance portfolio for you, look at removing that ban along as well, and I'll assess the super funds for you. The other thing I had here is you've got your resolution life policy there at the moment. I know that that policy is still in place, and it's the plan expiry is 2030. Yeah. That's They it. have kinda given us an idea on what that looks like. Are you wanting to keep that resolution life endowment policy in place for a bit longer, say, until the expiry, or are you wanting to maybe draw that out earlier? Or Yes. No. No. No. I wanna keep that no. till 2030. It's about is it's about is it ninety seventh there? What is it? 90 the payout? Yeah. So at the death benefit 90 at the moment, so if you were to pass away currently, the death benefit paid out is about 107,071. The yep. withdrawal benefits, if you were to take the funds out now, they obviously consider that and you get less, it'd be 93,060 roughly. Yeah. Yeah. Yeah. I was gonna let that go through till 2030, '20 so '30. then Yep. sort it out then there.","start_word":6236,"end_word":6441,"sentiment":"neutral","sentiment_score":-0.012267004843186406},{"text":"Beautiful.","start_word":6442,"end_word":6442,"sentiment":"positive","sentiment_score":0.6827822923660278},{"text":"Well, I'll I'll make a note here. So future goals are looking at, obviously, proceeds of selling the boat and the land as well, and then we'll look at, you know, 2030, look at that resolution life policy, look at what you can withdraw then, what you need to do with the funds, and what you can do because we can always look at putting it back into super or investing it elsewhere, or you can kick Yes.","start_word":6443,"end_word":6520,"sentiment":"neutral","sentiment_score":0.17184633016586304},{"text":"the funds and go on a lovely holiday.","start_word":6521,"end_word":6528,"sentiment":"positive","sentiment_score":0.5668805241584778},{"text":"So I'll note that down for you as well.","start_word":6529,"end_word":6537,"sentiment":"neutral","sentiment_score":0.20040032267570496},{"text":"Beautiful.","start_word":6538,"end_word":6538,"sentiment":"positive","sentiment_score":0.5008859634399414},{"text":"Yep. 90. Right. Yep. Honestly, those endowment pulses are beautiful. You don't see them anymore. You can't get them anymore. But But, yeah, to it's today. to Yeah. look That's at them, the next one. Yeah. That's they're. yeah. We started that when we were kids. Like, Yeah. I don't know. Yeah. I don't know where I think it was mom's auntie and uncle done it for us, I Oh, that's beautiful, and you kept think. it going.","start_word":6539,"end_word":6616,"sentiment":"neutral","sentiment_score":0.08232820779085159},{"text":"I love that.","start_word":6617,"end_word":6619,"sentiment":"positive","sentiment_score":0.5279905200004578},{"text":"Yeah. I said to my sister about it. She said, oh, no. I got mine paid out years ago. And I said, well, mine's Yeah. I gonna know. be worth nearly a $100 in 2013. She said, oh my god. Yeah. It is it you keep you keep keeping it, get those annual bonuses in there, and, yeah, wait for the policy to end and then enjoy that lovely lump sum benefit paid out. Beautiful. Oh. No.","start_word":6620,"end_word":6696,"sentiment":"neutral","sentiment_score":0.1307504028081894},{"text":"Excellent. I love that. Beautiful.","start_word":6697,"end_word":6701,"sentiment":"positive","sentiment_score":0.5493992567062378},{"text":"Now, obviously, looking at the other side of things, that resolution life policy does pay out that lump sum benefit in the event that you were to pass away. So it does act as a life insurance policy as well. Yeah. If you were to then pass away between, you know, from here out, your super benefit is also paid out to your beneficiaries. Just Yep. double checking, in the event of you passing away, is it that you're wanting everything to be paid out to Denise? So what is your wishes with your super benefit being paid out on passing? Yeah. Yeah. Yeah. Benice Bradford. Yeah. Yep.","start_word":6702,"end_word":6809,"sentiment":"neutral","sentiment_score":0.11398098183174928},{"text":"Beautiful. I think I Lovely.","start_word":6810,"end_word":6814,"sentiment":"positive","sentiment_score":0.5465817451477051},{"text":"I did not did I have that? I had that sorted, didn't I? Yeah. Yeah. You did. Yeah. So because we are moving into pension phase, it is a Yeah. whole new account that we open up, so I do make a recommendation on Yep. beneficiaries.","start_word":6815,"end_word":6860,"sentiment":"neutral","sentiment_score":0.13176751136779785},{"text":"But because she is your spouse and with the way pensions are set up, we can actually make the beneficiaries a lot a lot better for her as well.","start_word":6861,"end_word":6889,"sentiment":"positive","sentiment_score":0.4549754559993744},{"text":"Okay. They allow us a lot of different options for beneficiary nominations. So I'll kind of make that nomination for you as part of the advice so you can see what Mhmm. I'm recommending and how we direct that to her in the event of you passing. In saying that, Darren, we want you to stay alive and enjoy your retirement and want nothing to happen for sure. Me too. Okay. Oh, that thing. You. You've worked too hard. Yeah. Work weekends mostly lost, so that's it. I'm Oh, done. you are done.","start_word":6890,"end_word":6982,"sentiment":"neutral","sentiment_score":0.1579374372959137},{"text":"I love that.","start_word":6983,"end_word":6985,"sentiment":"positive","sentiment_score":0.5558078289031982},{"text":"Oh, well, like I said, I got still got plenty of work, but, yeah, it will certainly be something I like doing. Yeah. Absolutely. Absolutely. And it'll give you the option to take it or not. You get, you That's know, you get right. to decide Yep. what's right for you. If you don't wanna work that week, you don't have to do anything that week. That's all. The other side of your state planning is the will and powers of attorney. I have it noted back here that you did have a will in place. Is your will current and reflective of your current circumstances? Yeah. We've just done them I've just done mine early this year. I think I got finalized. Okay.","start_word":6986,"end_word":7109,"sentiment":"neutral","sentiment_score":0.1717812418937683},{"text":"Beautiful.","start_word":7110,"end_word":7110,"sentiment":"positive","sentiment_score":0.3648684322834015},{"text":"And did you have a power of attorney in place with that will? Yeah. Do It's you know did it's they there. do, like, a will and power of attorney, or was it just, like, a will and testament? No. I've done the yeah. I've done it up the pair of attorney. I Mhmm. no. I can't even remember who I because she's got four kids. So and her oldest one, Yep. she's, like, right up with all that. I don't even know who it is. I'd have to have a look. That's that's okay. As long as you had a power of attorney done up, that's all all sorted. Yeah. Yeah. Yeah. Yep. Everything yeah.","start_word":7111,"end_word":7226,"sentiment":"neutral","sentiment_score":-0.005495103333016922},{"text":"We got it all done and finalized.","start_word":7227,"end_word":7233,"sentiment":"positive","sentiment_score":0.340322345495224},{"text":"It got finalized in January or February or something.","start_word":7234,"end_word":7242,"sentiment":"neutral","sentiment_score":0.22302012145519257},{"text":"Fantastic. Yeah. Fantastic.","start_word":7243,"end_word":7245,"sentiment":"positive","sentiment_score":0.5961325168609619},{"text":"What I will do, I will sort of request, after we kind of move everything into pension phase, just to make sure we have your file correct for the future. We want nothing to happen. But in the event of you actually passing away, we can only speak to your the executor of your will. So if you are able to send us a copy of your will, we can keep it on file for you and keep it reflective. That way if anything was to happen, we can contact the executor.","start_word":7246,"end_word":7337,"sentiment":"neutral","sentiment_score":0.2280362099409103},{"text":"We can help them to make a claim on your super, and we can help to make sure the beneficiaries just take the money nice and quickly.","start_word":7338,"end_word":7364,"sentiment":"positive","sentiment_score":0.45207300782203674},{"text":"Is that okay? Yep. Yep.","start_word":7365,"end_word":7369,"sentiment":"neutral","sentiment_score":0.1942477524280548},{"text":"Yeah. Just makes everything a little bit easier and a bit more streamlined for your beneficiaries.","start_word":7370,"end_word":7385,"sentiment":"positive","sentiment_score":0.5077769756317139},{"text":"In the event something happens, as I said, I want nothing to happen.","start_word":7386,"end_word":7398,"sentiment":"neutral","sentiment_score":0.2236181348562241},{"text":"I want you to enjoy the next thirty to forty years of your life and have the best time in retirement.","start_word":7399,"end_word":7419,"sentiment":"positive","sentiment_score":0.5675445199012756},{"text":"Thirty or forty? Jeez. That'd be alright. You you don't you don't think it'll last that long? Oh, about forty. Yeah. Yeah. We'll see No. how No. that one's. Yeah. No. That's okay. Now because you are officially retired, obviously, TBD income protection disability insurances are technically null and void, but you don't have any other kind of insurances like trauma.","start_word":7420,"end_word":7480,"sentiment":"neutral","sentiment_score":-0.14489303529262543},{"text":"Are you happy just with that Resolution Life policy and your super and that policy paying out in the event of passing?","start_word":7481,"end_word":7502,"sentiment":"positive","sentiment_score":0.5292704701423645},{"text":"Are you wanting to talk more about insurances as a whole and look at what other options might be available to protect your family or yourself? No. No. I've got a I had the accident insurance with, like, your loss income and that with resolution. Yep. Yep. And we've we've got that sorted, so I still got trauma and life insurance with them. It's about $100,143 dollars. It's coming down to a $143 a month. Okay. So Okay. that's all. Yeah. The trauma's 50, and I think the that's a 100. Yeah. Okay.","start_word":7503,"end_word":7595,"sentiment":"neutral","sentiment_score":-0.006220955867320299},{"text":"Beautiful.","start_word":7596,"end_word":7596,"sentiment":"positive","sentiment_score":0.4544817805290222},{"text":"And that's all with Resolution Life as Yeah. well. You pay that out of pocket. Yep. 143 a month, it is. Yeah.","start_word":7597,"end_word":7618,"sentiment":"neutral","sentiment_score":0.20968696475028992},{"text":"Beautiful.","start_word":7619,"end_word":7619,"sentiment":"positive","sentiment_score":0.4670721292495727},{"text":"Do you know do you happen to have, like, a policy number? What we would what I would like to do as part of the advice is make sure I can understand your full circumstances. If we were to get the policy number off you, would you be okay if we added a third party authority onto that policy so we can help you to look after it and just sort of keep an eye on it with you? Yeah. I've gone through well, I've always gone through a broker. So Yeah. That's okay. You can still definitely keep the broker. There's nothing we don't change the policy ownership or anything if you don't want us to. It's just a third party a third party authority, so we can give them a call, ask them questions, find out the cover amount, help you to get quotes if you wanna alter anything or change anything there. It just kind of means that, you know, you you don't have to call and deal with a lot of stuff. We can call Resolution Life directly for you and ask questions and help with the policies, get renewal letters, and things like that for you. I mean, you kind of Yep. have up as as your advisers, so, you know, there's just an extra little bit of help that we can provide to you to keep making sure your circumstances are all working for you. But Yep. then, you know, you have us to do a bit of leg work for you as well if that helps. Yep. Yeah. I've got this thing here. Just trying to Yeah. find them. That's okay.","start_word":7620,"end_word":7897,"sentiment":"neutral","sentiment_score":0.1537732602559405},{"text":"It's good if they give it the bloody policy.","start_word":7898,"end_word":7906,"sentiment":"positive","sentiment_score":0.4494704008102417},{"text":"And where is it? It's life covers Resolution a 110 Life has a wee one. Yeah. where yeah. Life cover is is 110 and the trauma is 50. Okay. 110,050 thousand in trauma.","start_word":7907,"end_word":7939,"sentiment":"neutral","sentiment_score":0.028218669816851616},{"text":"Beautiful.","start_word":7940,"end_word":7940,"sentiment":"positive","sentiment_score":0.5691363215446472},{"text":"I That's just gotta resolution get the right life. where is it? If you can't get it now, that's okay. I could always get some Samantha to give you a call later or tomorrow and sort of follow that up. That's honestly okay. I know their policy numbers can be a bit hard sometimes. I've got policy numbers here, but I want you to get I want the right I gotta get the right one because yes. So we still got the policy number for the other one as well. Yes. What let's find a thing. Let's see. The the one for the other one, for your endowment policy, that is starting with Q and ending in N. Yeah. Right. Ends in 045N. He's he's giving me all the paperwork here. You think the policy number would be on the front, but it's not. Yeah. Normally, it's on the very front under your details on the top left hand corner depending on which way Yeah. you're facing. It's just it's just got all the stuff about in there with the a IMAFA. That's who that's who his company Right. Does is. he kind of review the policy with you every year and update things Yeah. to Yeah. make He's sure that it's he's all working? Yeah. yep. Yep. We've just that's what that's what we just all done. That's what we done and what?","start_word":7941,"end_word":8174,"sentiment":"neutral","sentiment_score":0.05221834033727646},{"text":"Perfect. That's okay. That's absolutely fine.","start_word":8175,"end_word":8180,"sentiment":"positive","sentiment_score":0.45211875438690186},{"text":"I'm happy just to I can just note down here the level of cover you do have if you like, because it is kinda Mhmm. reviewed with you regularly. And if, yeah, if you want us to sort of add a a third party authority or or give you a hand with that, that's absolutely fine. But it This sounds is like it is pretty well under control. Yeah. Yeah. No. We yeah. We yeah. I told I spoke to him on the phone. I've been with him for quite a few years.","start_word":8181,"end_word":8273,"sentiment":"neutral","sentiment_score":0.21408488096729403},{"text":"He's he's pretty good. Fantastic. Excellent.","start_word":8274,"end_word":8279,"sentiment":"positive","sentiment_score":0.559850811958313},{"text":"No. That's really good. Yeah. I I thought it was all here, but it's just all to do with the policy. It's hasn't even got the bloody policy number on it. That's But okay. I'll have I'll it just on the note down the level of cover you've I'll got. have Yeah. it in an email, I imagine. Yeah. That's okay. That's not a problem. I can get Samantha to sort of follow that one up with you. It's not a problem. Are you happy and okay with us adding a third party authority on file just to kind of help you where you might need as well? Yes. Yeah. You are. Yeah. That's okay. I'll get Samantha just to follow-up and grab the policy number later.","start_word":8280,"end_word":8406,"sentiment":"neutral","sentiment_score":0.13146549463272095},{"text":"She might even just be able to send you an email. And if you can get that, just email it back to us, that would be fantastic.","start_word":8407,"end_word":8433,"sentiment":"positive","sentiment_score":0.4361727237701416},{"text":"And then we can just get you to sign third party authority, and we'll add it on file to give you a hand. It's a secondary pair of eyes. Easy. Alright. Here we go. Account number? No. The account number you want? It's got the part Yep. it hasn't got policy numbers. It's got account number, but it's a it's Oh, the okay. same thing with it. It might be. Yeah. That's okay. Let me just policy. Account number. What's the account number? Let's have a look. P Yep. 811 Mhmm. 4116 Yep. 12. Beautiful. I'll just read that back to you. So PForPeter, 811411612. Yeah. Yeah. Yep.","start_word":8434,"end_word":8541,"sentiment":"neutral","sentiment_score":0.07662644237279892},{"text":"Fantastic.","start_word":8542,"end_word":8542,"sentiment":"positive","sentiment_score":0.43461793661117554},{"text":"All good. Yeah. No.","start_word":8543,"end_word":8546,"sentiment":"neutral","sentiment_score":0.1519995629787445},{"text":"That's absolutely perfect.","start_word":8547,"end_word":8549,"sentiment":"positive","sentiment_score":0.8495492935180664},{"text":"We'll I'll get some Samantha just to drop a third party authority. We'll see if we can have that applied there for you. Just to give you an extra pair of eyes, it just sort of helps when we're doing the advice as well just so we understand your circumstances in full Yep. and Yep. can make sure the advice document reflects that for you. Okay? Mhmm. No Excellent. worries. Now in the annual review pack that we have sent through to you there, when you do get a chance to have a look at it later on, you do have your ongoing service agreement in there, essentially, in order for us to continue looking after things for you, providing advice, looking after your super, and help you with your retirement outcome. We just need you to sign and return that back. You Mhmm. do pay an ongoing service fee for our services of 1.65% per annum currently. That is deducted in smaller monthly increments from your super account, and, essentially, it's making sure that we're able to look after everything. We wanna make sure your super is working harder for you. So we wanna make sure you're able to get that 1.65% and then obviously make a return on top of that. Do you have any questions about how the ongoing service fee works? Or No. No. Yeah. Yeah. No. just the same as the other years. No. No. Actually, no. Yes. It All good. yeah. So yeah. No worries. Yeah. Beautiful. The only other thing is it looks like your your ID on file has expired. If I get one of the team to send you an email or a text message, are you able just to update your ID there for us and just send us a copy of your ID back and front back? Yeah. No worries. What do you want me? License or something? Yep. Yeah. Yeah. This Righto. driver's license back and front. Just shoot that back to us, and we'll be able to verify it for you. We just had under AML, need to be able to make sure when we're providing advice, we do have updated identification there for you. Yep. And then the other documents in the annual review pack you will see are your super insurance summary. So we do have your super balance there, your ResLife policy noted. We've also got the updated document from Resolution Life with your endowment policy, which shows the figures I went through.","start_word":8550,"end_word":8968,"sentiment":"neutral","sentiment_score":0.0908092756829},{"text":"It's also got the financial services guide attached there for you, which has a lovely picture of me and all my licensing information there for you. So you're welcome to look me up, Google me, or have a look. So I'm just I'm a full licensed adviser, make life easy Alright.","start_word":8969,"end_word":9019,"sentiment":"positive","sentiment_score":0.5375626683235168},{"text":"for you. Mhmm. Other than that, essentially, just to confirm that we're working forward in the right direction, I'll look at reviewing your super, the investments, look at reducing risk, moving into more of a balanced portfolio there for you. We'll look at drawing income down of about $1,200 per week. We don't need any additional buffers there at the moment. Medium to long term goals, we have looking at accessing that resolution life policy in 2030, and then also, you know, the boat and the land sale down the track there as well. Is there anything I might be missing currently, or is that kind of everything that you're looking for from me at the moment? Yeah. Have That's I touched about on it it. the And right way? Yep. when we ring next time, that's when we're gonna start doing the money thing, isn't it? The pension Absolutely. slip. Yeah. Yeah. So I have you booked in for 08:30AM on the July 23, so in two weeks. In the meantime, I'll do the research, get the advice document ready to go. I'll Yep. talk to you on the twenty third. We'll go through that document together so you can see the recommendations, how and why you'll be able to ask any questions. You can then take those recommendations back, have a bit of a read of them. Let me know if you do have any additional questions. And as soon as you sign that, bring it back. We'll then go forward and complete the application there for you and get Right. that moved into pension so you can start drawing your income payments. Okay? Okeydoke. So I'll just sign what you sent me and then send my send my license back as Yeah.","start_word":9020,"end_word":9314,"sentiment":"neutral","sentiment_score":0.16603997349739075},{"text":"That'd be fabulous. Yeah.","start_word":9315,"end_word":9318,"sentiment":"positive","sentiment_score":0.7101510763168335},{"text":"I'll get Samantha to send you a message shortly. Just asking for your ID. It'll probably be a text message that comes through. If you're not sure, give us a call. We can confirm it's us, but it will be us well. sending you that text message. And then Mhmm. those annual review documents will be in your email for you. Okay? Alright. No worries.","start_word":9319,"end_word":9383,"sentiment":"neutral","sentiment_score":0.10192108154296876},{"text":"Perfect. Easy.","start_word":9384,"end_word":9385,"sentiment":"positive","sentiment_score":0.5746145248413086},{"text":"And just so I can confirm for the advice, when was your last day of work again for me? The sixth. Well, Monday. The sixth, was it? The Monday. sixth is Yep. that. It was. Yeah.","start_word":9386,"end_word":9421,"sentiment":"neutral","sentiment_score":0.08366381376981735},{"text":"Absolutely. Beautiful. Well, thank you so much for calling back in your time. It's been great to get to know you and do your annual review.","start_word":9422,"end_word":9447,"sentiment":"positive","sentiment_score":0.749445378780365},{"text":"If you find any questions come up in the meantime, please let me know. My name's Dana, and Yep. I'll be I'll chat to you on the twenty third.","start_word":9448,"end_word":9476,"sentiment":"neutral","sentiment_score":0.2536837160587311},{"text":"We'll go through that advice together.","start_word":9477,"end_word":9482,"sentiment":"positive","sentiment_score":0.3374660313129425},{"text":"Okay?","start_word":9483,"end_word":9483,"sentiment":"neutral","sentiment_score":0.2025030702352524},{"text":"Alright. Thanks very much for your help. Thank you. My pleasure. Have a great day. Alright. See you later. Thanks, Darren. See you later.","start_word":9484,"end_word":9507,"sentiment":"positive","sentiment_score":0.6228614449501038},{"text":"Bye. Alright.","start_word":9508,"end_word":9509,"sentiment":"neutral","sentiment_score":0.1826782524585724}],"average":{"sentiment":"neutral","sentiment_score":0.07494062054805631}}}}