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Is now still a good time there for you? Fantastic. How's your day been so far? Oh, perfect. Excellent. What public holiday is it? Nice. Yeah. Ours is next Monday, so we'll enjoy that. Yeah. No. All good, Lisa. Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward? Are you happy for us to Fantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there. Yep. No, sir. Date of birth, address, and lovely. Thank you so much for that. All good. Now do you happen to have access to your emails there currently at all? Yeah. Beautiful. What I'm gonna do is I'm just gonna send through some documents to you just to run through as part of your annual review just so you can sort of see what we're going through as we are going through them. Now, hopefully, it should come through fairly quickly there for you. Beautiful. Love technology when it wants to work in our favor. Beautiful. So when you open that one there, it does ask you to press the sign button so you can go through to see them. However, I will never ask you to sign anything you haven't read through. So we'll go through each of the documents and just sort of talk about each of them as we are going through things, updating all of your circumstances. I did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well. Okay? Fantastic. Now the first document you should see in there, are you able to see each of those documents, or what's it say at the moment just to sort of make sure I'm on the same page as you? That's okay. The first one should say summary. Yep. That's the one. Beautiful. Now if if I go too fast, please just let me know. But this is giving you an updated summary of your suit graduation and your insurances there as of the September 24 when we completed the documents. So how do you look there? Your balance is sitting about $157,874 and 16¢ there. When I have a look back at what your balance was, when we look back at this time last year sorry. My computer's a bit slow there. But you were sitting at around about a 144,000 last year or just over. So you have seen a good increase there. When we sort of have a look at what's been going on with this super this year with the all investors, they have been very up and down with what's been happening in the market generally. So we are expecting a bit of a lower kind of return this year with the volatility in the ups and downs. However, as I said, I had a bit of a look at the advice your portfolio. Sorry. And I've had a bit of a look at where we can definitely look to make some changes. If I can get you to scroll forward to the next document there for me, Lisa. Beautiful. The next one is your performance report. So the first page that you'll see a a lot of different investment options there. The first one's been along Australian Equities. Underneath that, you should also see the cybersecurity, the battery, and lithium tech. And so forth, you can see all those investment options noted there? Yeah. Beautiful. So when we have a look at those, if you look at the second last column there, it all it sort of shows you which investments are up and which ones are down for the year. Majority of everything has been performing very nicely, and we're very happy with it. However, the Australian Equities won the first one at the top. There has taken a little bit of a dip. So I've been looking to maybe replace that as it has been underperforming slightly, and the rest of the Australian market's actually doing quite well and has been up over all for the years. So I would like to maybe look at removing that investment for you. The other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China. That was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there. So that one is essentially underperforming pretty significantly as well there. So I would like to maybe look at changing that out for you. It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well. When we sort of think about investments in the way the types of investments are, we have different ways of investing. One of those is called active management. So that's investing in managers who are actively trying to outperform against the market. That's what that original BANALONG one. So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged. And, overall, they're trying to outperform against the market. Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa. Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you? What would you sort of prefer? How would you like to see it invested? Well, I certainly wanna make sure you do. That's for sure. No. Absolutely. So you would like to see a bit of active management's investments in your portfolio moving forward and continuing to have that sort of exposure? Yep. Yeah. Beautiful. Well, I'll have a look at the portfolio and look at updating things to reflect that for you. I'll look at trying to see if I can make it lower cost as well. So having a look at some of the investments that are in your portfolio, I might be able to switch out a few others of those and replace them for you, make the portfolio a bit cheaper. So one of the other ways that we can look to help them boost super moving forward is to lower the fees as much as possible as well, which means that more money is staying invested in your sleep of working harder for you over time and there. So I'd love to definitely have a look and see if I can fix that for you as well. Okay? Beautiful. So as per the last document there, you add about a 157,000 currently, which is fantastic. You wanna keep that growing and working harder for you moving forward. Underneath that, on that first page that we were looking at, you've also got your insurances. Having a look at your at your circumstances and with the level of cover you have, with the nearest insurance company, you've got life and total permanent disability covered. Do you understand how those insurances work, how they pay? Yep. Beautiful. So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover? Did you wanna reassess that in any way? You can. Okay. Yeah. Absolutely. So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in borrowing at the moment? Yep. That's okay. Now it is really important to note that there are limits with insurances. So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine. The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials. At the moment, given your agent stage, increasing that level of cover to say 1.5 or 2,000,000, absolutely fine. It is gonna increase the cost of the insurances as well, but you'll have you're comfortable with that. Yep? I will have to have a look at it for you. Yeah. So what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years. Does that sound alright? Yep. Beautiful. So and so you said 2,000,000 total? Yep. Yes. Yeah. Yeah. So having a look here, you've got your beneficiary set as Darren to receive 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%. Is that correct? Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. So sorry. 30% to Mackenzie and 70% to Darren? Yeah. Absolutely. We can do that. I also just wanted to double check because we had Heidi on here as other dependent. What relationship is Heidi to yourself? Right. Okay. It is a yeah. It is a good thing that you are updating that because under the legislation, while she has been noted here as an other dependent, she doesn't technically meet the criteria to be considered a beneficiary under the CIS Act. So if in any way that she was to claim on this, if you were to pass away currently, she would essentially if she can't prove that she's a a true dependent and relies on you financially for a financial support and lives with you, that, essentially, she would be denied access to her part of the claim. And the super fund would have the option of either paying that portion to your estate to have distributed via your will, or they can have that nominated or paid out to one of your other beneficiaries depending on what their discretionary rules would be. So it it does make it harder. No worries at all. So I can have that form updated for you and my team to send it out. Are you happy with us pre filling the nomination form for you as much as possible to help you out? Yeah. Absolutely. And you've got it as a binding, non lapsing nomination. It is a good thing because you fill the format once. You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination? Yeah. Beautiful. I love that. The other option is binding lapsing. You have to refill the format every three years, and life gets busy. No. Perfect. I will absolutely have that sorted out for you. Is it easy to have it posted or emailed to yourself, Lisa? What would you prefer? Email's good? Yep. Fantastic. I'll get that one sorted for you ASAP. Fantastic. I've also just made a note here that we'll look at increasing your life and CPD benefit to either 1,800,000 or 2,000,000 depending on the cost difference. Did you have a preference that would be more preferable to yourself for increasing that level of cover? No. No. Just the amount. Did you sort of prefer to have the 2 mil? Or yep. Yes. Absolutely. I'll run through and have a quick look at your assets while we've got what we're talking about the insurance asset. I had here, I believe this is a property. Is it Valdez? Yeah. Okay. Valdez, that one. Yep. Okay. If you have it, if you don't, that's okay. Yep. Yep. Yep. No. That's fine. I can grab that as not a problem at all. Beautiful. So with the property in Karratha, what kind of valuation would you put on that at the moment? Yep. Yeah. Beautiful. Let's go to $8.50 mark. Absolutely. And do you have a mortgage on that property still? Yep. Yeah. Okay. So $3.50. And you said you owed technically $398,000, but the difference is obviously what's in your cash or offset account. Sorry about that. No. You're right. Excellent. And the 4 Ridley Street, that's your main primary residence, is it? Yep. Beautiful. And then the property in Mackay, what sort of valuation would you put on that one at the moment? Okay. Beautiful. And so the loan would be fairly close to that? Yes. Absolutely. How long have you got interest only for? Yep. Beautiful and nice. Yeah. Beautiful. Beautiful. Excellent. Are you planning on renting out the Mackay property prior to you living in it, or are you gonna sort of just wanna move in? Yep. Excellent. Fantastic. And how much rent will you be getting off that at the moment? Oh, fantastic. That's really good rent out there. Great. $7.30 per week. Excellent. No. You're absolutely fine. Not a problem. Beautiful. So we do have quite a bit of loans there, which is great. So in the event of, say, passing or having a TPD event, you wanna be able to cover both those loans, but then also provide a bit of a buffer. Yeah. Absolutely. Beautiful. Looking at other assets that I do have noted here from last time we spoke, we had a caravan with a value of 50,000. Do you still have the caravan? Beautiful. Would you still value it at 50,000, do you think? Yep. Beautiful. They do go up in value at the moment. They're still very popular. Oh, nice. You've made it into what you want it to be. I love that. Excellent. And I had your car down. What kind of vehicle do you drive? Mhmm. Yep. Uh-huh. Beautiful. Excellent. I love that. And what sort of value would you put on your Hilux? I believe we had about 38 thousand. Yep. Yep. Yeah. Beautiful. They do hold their value quite well, those Hiluxes. Yep. And then we had about 12,000 in savings last time. That could be what you have in your offset account, which has definitely increased since then. Do you have any other savings accounts? Or yep. Yep. Beautiful. Fantastic. And is that just the idea to pay down the mortgages and offset the interest as much as possible, or do you have any goals for what you wanna do with that money down the track? Yep. Which is not a bad thing at all. All good. Income wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725. Do you I had income wise here last time of you earning about a 100,000 per annum. Has your income increased at all? Yep. So based on the 100,000 perfect. So based on that, the amount you could be insured at all for because income protection covers you for up to 70% of your income. That essentially means the monthly benefit needed is about 5,800 and 33. Realistically, you're just slightly under that, but these insurance policies do increase each time they go through renewal there as well. So we could look to increase that income protection policy for you, which does mean underwriting. Otherwise, we could let that go through the renewal process and have it essentially increase in value over time. Are you happy just to keep it increasing, or did you want me to go forward and yeah. Yeah. Beautiful. Not a problem. We'll focus on the life and TBD component there. Excellent. The other thing to sort of double check is now you don't have any other types of insurances, things like trauma, child trauma, or any policies paid out of pocket. There are lots of different insurances we can essentially have. Realistically, we can insure every aspect of our life that it helps me paying premiums galore. But are you wanting to look at any additional insurances, or do you have any questions about what they are? Or no. That's okay. Absolutely fine. Beautiful. Just kinda going through other circumstances we had is that you have one dependent at home. Is that still correct or any changes there? She's still there? Beautiful. And I'm keeping Darren down here as your next of kin. Just double checking that that's correct. Beautiful. Excellent. We also had it down here that you were looking to pay off the caravan and take it out after the summer when it was cooler. That was the last time we sort of caught up. Your caravan, is that fully debt free, or do you still have the the loan on that one? Beautiful. Excellent. And do you get out in the caravan very often? Oh, jeez. Wow. It's amazing how hot it gets over there so quickly, doesn't it? Wow. That's insane. I was thinking about going over there next year, and I was sort of thinking sort of September, October would be a good time of year. Is that the best time to visit WA? Yeah. Yeah. You'd say yeah. Right. Do you reckon winter would be the best time to sort of head over where it's still quite hot, or what time of year is best for you guys? Yes. Yeah. Okay. Interesting. Interesting. I like to get that kind of feedback from people who live there because it's immensely different when you sort of think about the Northern side of WA to the southern side of WA. The tension the temperatures are insane. Yeah. Crazy. Oh, well, hopefully, you get out in your caravan soon. Do you have any trips planned or anything that you wanna do with the caravan down the track? Or I love that. Fantastic. I love that. It's when you move into your other property. In Mackay? Yep. Yep. Beautiful. That'll be fantastic. And you I've got you down as being a business development manager. What sort of industry do you work in? Okay. Okay. Fantastic. Electrical, and I'll put you down as administration. Fantastic. Excellent. Do you do anything anything crazy? Do you work at heights, or do you have to go off-site and do anything heights like that? You're sort of in the office most of the time? Yep. Yep. Beautiful. No. That's okay. And how long have you been doing this role for now? Okay. Beautiful. Yep. May 2026. And are you enjoying it? Yeah. Yeah. No. Understandable. Yeah. Absolutely. And are you sort of looking to move into something different when you move to Mackay, or you're sort of probably staying the same for the role? What's your thoughts then? See what comes. K? And that's next year. You're looking to move to Mackay into that property? Yeah. Have you got, like, a plan as to when next year, or is it just sort of when it comes? Okay. Yeah. Beautiful. And do you sort of plan to move over there first and then kind of look for a job and see how things are traveling? Or yeah. No. Absolutely. No. Perfect. And do you think you'll sort of hopefully be on about the same money when you sort of move over there and take on a similar role? Yep. Yeah. Yeah. Yeah. Absolutely. And, I mean, beautiful weather too and a whole different part of the country to explore. Yeah. Fantastic. Love that. Excellent. Well, I've got a really good idea of where we're going with the updated advice piece. The other documents in there are looking essentially your Vanguard index chart that sorta outlines all the how investments work over time. I know we've probably gone through one of these with you there. Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep? At the moment, everything's pretty straightforward? Yeah. That's right. That's right. Yeah. That's well, I wanna do the best I can to make sure you come up with the most possible. That is for sure. The next document in there is your nearest income your nearest insurance policy. Sorry. So it does encompass your income protection as well as your current life and TPD. It just outlines a little bit more about how much you pay for those, how much you are covered for. I'll go back, as I said, and do some research to look at increasing your life and TPD components there for you as well. Okay? Excellent. The next document in there is a bit of a boring one. It's our ongoing sorry. It's our financial services guide. It does essentially outline everything about who we are, what we do, and how we do it. It also outlines any additional services. So we start with super insurances, but if you did need additional advice down the track, it outlines other areas that we can advise on. So we, you know, mostly help with super insurances. It's the main sort of area everyone's after trying to build. We all work really hard for thirty or forty years, so we wanna enjoy our time and come out with a good income stream. So that's where most people are sort of wanting the advice aspect. But if you're on the track, you want any additional advice, please feel free to let us know. It's got some glossy information in there about each of us as advisers and also our licensing numbers as well because we are registered with ASIC as well. Okay? Excellent. The last document in there is the ongoing service agreement there. So, essentially, you are on an ongoing service fee of 1.10% that allows us to look after your super. Keep updating advice as well. We don't charge any implementation fees for looking after your super. And updating the advice is all part of this ongoing service agreement. And because yourself and Darren are both clients, you're on a lower fee of 1.10%. So down the track, that could all change. But right now, this is where we're at. We're not changing anything for yourself. We just wanna make sure your sleep is working as hard as possible for you so that after you've worked your lifetime, you can enjoy the rest of your years in retirement, drawing an income, and hopefully traveling as much as you possibly can as well. Yeah. Once you've kinda gone through those, I will ask that you sign and return that one back for us. It's just allowing us to continue looking after everything and updating the advice for you as well. Okay? The last yeah. Absolutely. The last document attached is the tax file number. So this is a new document. We just like to make sure we're updating our records. We let you know we do hold your tax file number because we serve your life insurance and your super funds. So this is outlining how and why we do so, and we are very security conscious. There's a lot going on in the world at the moment with the different security issues. So we always call when we call you or you call us, we're always through security, making sure that we're protecting your identity and not providing any information to anyone that we shouldn't be. So these info these documents here just kinda outline that for you. Once you've gone through those, this is the same as DocuSign. It's OdooSign. It actually allows you to sign the documents. So once you've gone through, just click on the signature button. It'll help to prepopulate a signature the same as DocuSign does. And then once you've done each document, it'll come back to us automatically for you as well. Okay? Excellent. Beautiful. Just so I can update the advice for you, just a couple of additional things to sort of look at. Goal wise, are you hoping to be able to access super at around about the age of 60, or what's your goal for being able to retire down the track? Yeah. The earliest you can under legislation is 60. So I'll work on that for the time being. And if we're lucky enough to get access earlier, I'll let you know. Yep. Beautiful. Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably? Oh, absolutely. Yeah. Definitely. I know. I know. It's insane, isn't it? Yeah. Beautiful. Yeah. Absolutely. And, look, what I sorta do, when you actually get close to retirement or when you're sort of telling me you're ready to retire, we then go through either a budget plan or look at what you need to live on in those years. And we draw up a whole different plan to sort of look at what that does, how that looks. Right now, we're just wanting to make as much as we can in the super and have that grow as high as possible for you. Okay. Excellent. Now I can I know you've got a lot going on with the newer property of this purchase and also moving next year? Are you at any point wanting to be able to make additional contributions to super, or you're happy just with what the employer puts in currently? Yeah. No. So they actually don't. There are different ways of contributing depending on what you're wanting. The most common way is salary sacrifice, which is essentially helping to pay less income tax where your employer puts a little bit extra out of your pretax income into super. You can also do it as a, like, a deductible contribution one off, which gives you a tax deduction. So as an example, if you had, you know, a spare 5,000 and you wanted to put that into super, to help give you a bit of a tax deduction, that would be transferred into super. We will claim a notice of intent. They call it a deductible contribution, and then they give you a letter to give to your, tax agent, and you can claim that $5,000 back as a tax deduction on your tax return. It's a nice little way to help lower your income tax and hopefully get a little bit back. You can also yeah. Absolutely. What I'll do is I will make a maybe a little calendar invite for me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you. That way, we can have that conversation, talk about what space you have, what you're after, and whether you wanna make that kind of a contribution. Does that sound okay? Yeah. Yeah. Absolutely. The other way of doing it is a non concessional. This is an after tax contribution to still put the money in out of your bank account. The government, if you are within a certain tax bracket, which at the moment your income is slightly higher than the requirement, They can sort of give you what's called a government co contribution, but your income's a bit high for that. It's more meant for lower income earners who are contributing additional money to super, and they don't match it dollar for dollar. They have a cap. It's no more than 500 for the year, and you've gotta make a contribution of at least a thousand dollars. So it's more just about helping to boost lower income earners to put more into that super. It used to be dollar for dollar, but it's not anymore. It's a shame, really. I'm sure they could afford it. So yeah. Absolutely. I'll pop some in your calendar to make sure I update that with you. Not a problem at all. Beautiful. I've got down here other goals are that you're looking to move next year to Mackay and that you'll be renting your current main primary residence out. Do you have any other goals that you're looking to achieve over the next couple of years at all? Or No. Yeah. Absolutely. Fantastic. And just sort of looking to see if there's anything else. Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week. When would be preferable for them to give you a call to be able to do a quick pre assessment with you? Just so when we're updating the advice, we understand what kind of insurance contract may be offered. K. Okay. Yeah. Perfect. Not a problem at all. I'll pop it in the calendar. Sorry. I'm just double checking the calendar. Give me one second. Okay. It's loading for me. Here we go. Perfect. Alright. So Monday here is the king's birthday for us, but I could definitely do maybe Tuesday next week. Would that be okay, the same time? Fantastic. I'll pop that one in there, and my colleague, Caden, will give you a call. I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and sorta give you an idea of what the expectation is with increasing the insurances. Okay? Fantastic. Excellent. And then after that call, he'll book in your advice presentation for a few weeks after that to make it easier for you. Okay? Excellent. The only other thing to sort of double check is have you got a will power of attorney documents in place? Have you ever seen a solicitor and drawn up those sorts of documents in the past? Yeah. Okay. Yeah. That's okay. Oh, beautiful. So you've got all those documents done. You just did the the the ones in the post office to make it easier. Yeah. Absolutely. No. That's okay. That's not a problem at all. Fantastic. Now the last thing I wanted to run through with you is just an updated risk profile just to make sure that you are invested correctly and that your risk appetite hasn't changed at all. The the same as that you what you have sort of answered over the last couple of years, which makes it easy for you. The first one here is have you ever owned any shares? I've got down that you've never owned shares or investments in your own name. You don't own any shares or cryptocurrency or anything? No? That's okay. The next one here, I'll tick off for you because you have longer than ten years ahead of you before being able to access super. The next question here is about inflation, and it says, how much risk do you feel comfortable taking to make sure your returns are keeping up with inflation over the longer term? Are you comfortable taking on a higher level of risk to obtain greater potential returns that over time beat inflation? You may be comfortable with a moderate or medium amount of risk to, again, try to get the best returns possible, or are you not comfortable taking risk and understand the returns are lower because of that? Where do you think you fit? Yep. Beautiful. Excellent. The next one here, it says that if in six months after changing or altering your portfolio or if you look down six months down the track and we saw due to what was happening in the markets, generally, the portfolio fell by 20%, how might you be feeling? Are you possibly thinking it's an investment opportunity? We'll put some more money into the dip and take advantage of that. Are you a bit concerned, maybe holding and waiting, calling us, or are you really scared and wanting to move your money into cash? How do you think you might react? Not a bad thing. Do you think maybe you'd hold and wait and maybe call us and have a chat to see what we think you do? Yep. That's okay. Absolutely fine. The last one I have here is thinking about investments. Have you ever thought about borrowing to invest in shares or manage funds, or have you only ever wanted and or borrowed for property? Yeah. Yeah. Absolutely. Well, down the track, you're welcome to let me know. We can absolutely help and advise in that area. It is also a great way to sort of think about with your investment properties and other investments in say shares or portfolio similar to your super. Those sorts of things can grow over time. And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well. So down the track, we can always have those conversations and assist you. Absolutely. Beautiful. Now at the moment, you've scored it as a high growth investor. We currently have you in a high growth environment. That sees 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities. And then the other sort of 10% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of environment you're looking to obtain anywhere between sort of a 10 to 12% return on a yearly basis, you are taking more risk in the market. So we do understand a negative return is likely sort of one in every six years. Do you feel comfortable staying in this environment? You said you were happy for another twelve months. Is that accurate? Yep. Beautiful. It definitely suits your time horizon because you have more than ten years ahead of you. This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that. So it does set your time horizon. You've got the risk capacity there. You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment. I'll just alter your portfolio to remove some underperforming investments and also look at your insurances, and we'll look at how that's tracking over the next five to ten years. And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution. How does that sound? Yep. Beautiful. I'll also get your beneficiaries up to date, prefilled, and sent out to you by email. I'll get my team to follow through with that tomorrow for you. Is there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you? No? Beautiful. Thank you so much. So what I'll do is I'll let you go, and I'll get stuck into the research there. My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you as well. And if you find you have any questions in the meantime, let me know. And if you can just sign and return that audio sign, that would be fabulous. Okay? My pleasure, Lisa. Have a great afternoon. Enjoy the rest of your public holiday. Thank you. Talk soon. See you later. 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Alyssa. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had your booking through to go through your annual review. Is now still a good time there for you? Fantastic. How's your day been so far?\n\nOh, perfect. Excellent. What public holiday is it? Nice. Yeah.\n\nOurs is next Monday, so we'll enjoy that. Yeah. No. All good, Lisa. Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward?\n\nAre you happy for us to Fantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there. Yep. No, sir. Date of birth, address, and lovely.\n\nThank you so much for that. All good. Now do you happen to have access to your emails there currently at all? Yeah. Beautiful.\n\nWhat I'm gonna do is I'm just gonna send through some documents to you just to run through as part of your annual review just so you can sort of see what we're going through as we are going through them. Now, hopefully, it should come through fairly quickly there for you. Beautiful. Love technology when it wants to work in our favor. Beautiful.\n\nSo when you open that one there, it does ask you to press the sign button so you can go through to see them. However, I will never ask you to sign anything you haven't read through. So we'll go through each of the documents and just sort of talk about each of them as we are going through things, updating all of your circumstances. I did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well. Okay?\n\nFantastic. Now the first document you should see in there, are you able to see each of those documents, or what's it say at the moment just to sort of make sure I'm on the same page as you? That's okay. The first one should say summary. Yep.\n\nThat's the one. Beautiful. Now if if I go too fast, please just let me know. But this is giving you an updated summary of your suit graduation and your insurances there as of the September 24 when we completed the documents. So how do you look there?\n\nYour balance is sitting about $157,874 and 16¢ there. When I have a look back at what your balance was, when we look back at this time last year sorry. My computer's a bit slow there. But you were sitting at around about a 144,000 last year or just over. So you have seen a good increase there.\n\nWhen we sort of have a look at what's been going on with this super this year with the all investors, they have been very up and down with what's been happening in the market generally. So we are expecting a bit of a lower kind of return this year with the volatility in the ups and downs. However, as I said, I had a bit of a look at the advice your portfolio. Sorry. And I've had a bit of a look at where we can definitely look to make some changes.\n\nIf I can get you to scroll forward to the next document there for me, Lisa. Beautiful. The next one is your performance report. So the first page that you'll see a a lot of different investment options there. The first one's been along Australian Equities.\n\nUnderneath that, you should also see the cybersecurity, the battery, and lithium tech. And so forth, you can see all those investment options noted there? Yeah. Beautiful. So when we have a look at those, if you look at the second last column there, it all it sort of shows you which investments are up and which ones are down for the year.\n\nMajority of everything has been performing very nicely, and we're very happy with it. However, the Australian Equities won the first one at the top. There has taken a little bit of a dip. So I've been looking to maybe replace that as it has been underperforming slightly, and the rest of the Australian market's actually doing quite well and has been up over all for the years. So I would like to maybe look at removing that investment for you.\n\nThe other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China. That was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there. So that one is essentially underperforming pretty significantly as well there. So I would like to maybe look at changing that out for you. It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well.\n\nWhen we sort of think about investments in the way the types of investments are, we have different ways of investing. One of those is called active management. So that's investing in managers who are actively trying to outperform against the market. That's what that original BANALONG one. So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged.\n\nAnd, overall, they're trying to outperform against the market. Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa. Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you? What would you sort of prefer? How would you like to see it invested?\n\nWell, I certainly wanna make sure you do. That's for sure. No. Absolutely. So you would like to see a bit of active management's investments in your portfolio moving forward and continuing to have that sort of exposure?\n\nYep. Yeah. Beautiful. Well, I'll have a look at the portfolio and look at updating things to reflect that for you. I'll look at trying to see if I can make it lower cost as well.\n\nSo having a look at some of the investments that are in your portfolio, I might be able to switch out a few others of those and replace them for you, make the portfolio a bit cheaper. So one of the other ways that we can look to help them boost super moving forward is to lower the fees as much as possible as well, which means that more money is staying invested in your sleep of working harder for you over time and there. So I'd love to definitely have a look and see if I can fix that for you as well. Okay? Beautiful.\n\nSo as per the last document there, you add about a 157,000 currently, which is fantastic. You wanna keep that growing and working harder for you moving forward. Underneath that, on that first page that we were looking at, you've also got your insurances. Having a look at your at your circumstances and with the level of cover you have, with the nearest insurance company, you've got life and total permanent disability covered. Do you understand how those insurances work, how they pay?\n\nYep. Beautiful. So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover? Did you wanna reassess that in any way?\n\nYou can. Okay. Yeah. Absolutely. So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in borrowing at the moment?\n\nYep. That's okay. Now it is really important to note that there are limits with insurances. So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine. The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials.\n\nAt the moment, given your agent stage, increasing that level of cover to say 1.5 or 2,000,000, absolutely fine. It is gonna increase the cost of the insurances as well, but you'll have you're comfortable with that. Yep? I will have to have a look at it for you. Yeah.\n\nSo what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years. Does that sound alright? Yep. Beautiful. So and so you said 2,000,000 total?\n\nYep. Yes. Yeah. Yeah. So having a look here, you've got your beneficiary set as Darren to receive 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%.\n\nIs that correct? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. So sorry. 30% to Mackenzie and 70% to Darren? Yeah.\n\nAbsolutely. We can do that. I also just wanted to double check because we had Heidi on here as other dependent. What relationship is Heidi to yourself? Right.\n\nOkay. It is a yeah. It is a good thing that you are updating that because under the legislation, while she has been noted here as an other dependent, she doesn't technically meet the criteria to be considered a beneficiary under the CIS Act. So if in any way that she was to claim on this, if you were to pass away currently, she would essentially if she can't prove that she's a a true dependent and relies on you financially for a financial support and lives with you, that, essentially, she would be denied access to her part of the claim. And the super fund would have the option of either paying that portion to your estate to have distributed via your will, or they can have that nominated or paid out to one of your other beneficiaries depending on what their discretionary rules would be.\n\nSo it it does make it harder. No worries at all. So I can have that form updated for you and my team to send it out. Are you happy with us pre filling the nomination form for you as much as possible to help you out? Yeah.\n\nAbsolutely. And you've got it as a binding, non lapsing nomination. It is a good thing because you fill the format once. You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination?\n\nYeah. Beautiful. I love that. The other option is binding lapsing. You have to refill the format every three years, and life gets busy.\n\nNo. Perfect. I will absolutely have that sorted out for you. Is it easy to have it posted or emailed to yourself, Lisa? What would you prefer?\n\nEmail's good? Yep. Fantastic. I'll get that one sorted for you ASAP. Fantastic.\n\nI've also just made a note here that we'll look at increasing your life and CPD benefit to either 1,800,000 or 2,000,000 depending on the cost difference. Did you have a preference that would be more preferable to yourself for increasing that level of cover? No. No. Just the amount.\n\nDid you sort of prefer to have the 2 mil? Or yep. Yes. Absolutely. I'll run through and have a quick look at your assets while we've got what we're talking about the insurance asset.\n\nI had here, I believe this is a property. Is it Valdez? Yeah. Okay. Valdez, that one.\n\nYep. Okay. If you have it, if you don't, that's okay. Yep. Yep.\n\nYep. No. That's fine. I can grab that as not a problem at all. Beautiful.\n\nSo with the property in Karratha, what kind of valuation would you put on that at the moment? Yep. Yeah. Beautiful. Let's go to $8.50 mark.\n\nAbsolutely. And do you have a mortgage on that property still? Yep. Yeah. Okay.\n\nSo $3.50. And you said you owed technically $398,000, but the difference is obviously what's in your cash or offset account. Sorry about that. No. You're right.\n\nExcellent. And the 4 Ridley Street, that's your main primary residence, is it? Yep. Beautiful. And then the property in Mackay, what sort of valuation would you put on that one at the moment?\n\nOkay. Beautiful. And so the loan would be fairly close to that? Yes. Absolutely.\n\nHow long have you got interest only for? Yep. Beautiful and nice. Yeah. Beautiful.\n\nBeautiful. Excellent. Are you planning on renting out the Mackay property prior to you living in it, or are you gonna sort of just wanna move in? Yep. Excellent.\n\nFantastic. And how much rent will you be getting off that at the moment? Oh, fantastic. That's really good rent out there. Great.\n\n$7.30 per week. Excellent. No. You're absolutely fine. Not a problem.\n\nBeautiful. So we do have quite a bit of loans there, which is great. So in the event of, say, passing or having a TPD event, you wanna be able to cover both those loans, but then also provide a bit of a buffer. Yeah. Absolutely.\n\nBeautiful. Looking at other assets that I do have noted here from last time we spoke, we had a caravan with a value of 50,000. Do you still have the caravan? Beautiful. Would you still value it at 50,000, do you think?\n\nYep. Beautiful. They do go up in value at the moment. They're still very popular. Oh, nice.\n\nYou've made it into what you want it to be. I love that. Excellent. And I had your car down. What kind of vehicle do you drive?\n\nMhmm. Yep. Uh-huh. Beautiful. Excellent.\n\nI love that. And what sort of value would you put on your Hilux? I believe we had about 38 thousand. Yep. Yep.\n\nYeah. Beautiful. They do hold their value quite well, those Hiluxes. Yep. And then we had about 12,000 in savings last time.\n\nThat could be what you have in your offset account, which has definitely increased since then. Do you have any other savings accounts? Or yep. Yep. Beautiful.\n\nFantastic. And is that just the idea to pay down the mortgages and offset the interest as much as possible, or do you have any goals for what you wanna do with that money down the track? Yep. Which is not a bad thing at all. All good.\n\nIncome wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725. Do you I had income wise here last time of you earning about a 100,000 per annum. Has your income increased at all? Yep. So based on the 100,000 perfect.\n\nSo based on that, the amount you could be insured at all for because income protection covers you for up to 70% of your income. That essentially means the monthly benefit needed is about 5,800 and 33. Realistically, you're just slightly under that, but these insurance policies do increase each time they go through renewal there as well. So we could look to increase that income protection policy for you, which does mean underwriting. Otherwise, we could let that go through the renewal process and have it essentially increase in value over time.\n\nAre you happy just to keep it increasing, or did you want me to go forward and yeah. Yeah. Beautiful. Not a problem. We'll focus on the life and TBD component there.\n\nExcellent. The other thing to sort of double check is now you don't have any other types of insurances, things like trauma, child trauma, or any policies paid out of pocket. There are lots of different insurances we can essentially have. Realistically, we can insure every aspect of our life that it helps me paying premiums galore. But are you wanting to look at any additional insurances, or do you have any questions about what they are?\n\nOr no. That's okay. Absolutely fine. Beautiful. Just kinda going through other circumstances we had is that you have one dependent at home.\n\nIs that still correct or any changes there? She's still there? Beautiful. And I'm keeping Darren down here as your next of kin. Just double checking that that's correct.\n\nBeautiful. Excellent. We also had it down here that you were looking to pay off the caravan and take it out after the summer when it was cooler. That was the last time we sort of caught up. Your caravan, is that fully debt free, or do you still have the the loan on that one?\n\nBeautiful. Excellent. And do you get out in the caravan very often? Oh, jeez. Wow.\n\nIt's amazing how hot it gets over there so quickly, doesn't it? Wow. That's insane. I was thinking about going over there next year, and I was sort of thinking sort of September, October would be a good time of year. Is that the best time to visit WA?\n\nYeah. Yeah. You'd say yeah. Right. Do you reckon winter would be the best time to sort of head over where it's still quite hot, or what time of year is best for you guys?\n\nYes. Yeah. Okay. Interesting. Interesting.\n\nI like to get that kind of feedback from people who live there because it's immensely different when you sort of think about the Northern side of WA to the southern side of WA. The tension the temperatures are insane. Yeah. Crazy. Oh, well, hopefully, you get out in your caravan soon.\n\nDo you have any trips planned or anything that you wanna do with the caravan down the track? Or I love that. Fantastic. I love that. It's when you move into your other property.\n\nIn Mackay? Yep. Yep. Beautiful. That'll be fantastic.\n\nAnd you I've got you down as being a business development manager. What sort of industry do you work in? Okay. Okay. Fantastic.\n\nElectrical, and I'll put you down as administration. Fantastic. Excellent. Do you do anything anything crazy? Do you work at heights, or do you have to go off-site and do anything heights like that?\n\nYou're sort of in the office most of the time? Yep. Yep. Beautiful. No.\n\nThat's okay. And how long have you been doing this role for now? Okay. Beautiful. Yep.\n\nMay 2026. And are you enjoying it? Yeah. Yeah. No.\n\nUnderstandable. Yeah. Absolutely. And are you sort of looking to move into something different when you move to Mackay, or you're sort of probably staying the same for the role? What's your thoughts then?\n\nSee what comes. K? And that's next year. You're looking to move to Mackay into that property? Yeah.\n\nHave you got, like, a plan as to when next year, or is it just sort of when it comes? Okay. Yeah. Beautiful. And do you sort of plan to move over there first and then kind of look for a job and see how things are traveling?\n\nOr yeah. No. Absolutely. No. Perfect.\n\nAnd do you think you'll sort of hopefully be on about the same money when you sort of move over there and take on a similar role? Yep. Yeah. Yeah. Yeah.\n\nAbsolutely. And, I mean, beautiful weather too and a whole different part of the country to explore. Yeah. Fantastic. Love that.\n\nExcellent. Well, I've got a really good idea of where we're going with the updated advice piece. The other documents in there are looking essentially your Vanguard index chart that sorta outlines all the how investments work over time. I know we've probably gone through one of these with you there. Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep?\n\nAt the moment, everything's pretty straightforward? Yeah. That's right. That's right. Yeah.\n\nThat's well, I wanna do the best I can to make sure you come up with the most possible. That is for sure. The next document in there is your nearest income your nearest insurance policy. Sorry. So it does encompass your income protection as well as your current life and TPD.\n\nIt just outlines a little bit more about how much you pay for those, how much you are covered for. I'll go back, as I said, and do some research to look at increasing your life and TPD components there for you as well. Okay? Excellent. The next document in there is a bit of a boring one.\n\nIt's our ongoing sorry. It's our financial services guide. It does essentially outline everything about who we are, what we do, and how we do it. It also outlines any additional services. So we start with super insurances, but if you did need additional advice down the track, it outlines other areas that we can advise on.\n\nSo we, you know, mostly help with super insurances. It's the main sort of area everyone's after trying to build. We all work really hard for thirty or forty years, so we wanna enjoy our time and come out with a good income stream. So that's where most people are sort of wanting the advice aspect. But if you're on the track, you want any additional advice, please feel free to let us know.\n\nIt's got some glossy information in there about each of us as advisers and also our licensing numbers as well because we are registered with ASIC as well. Okay? Excellent. The last document in there is the ongoing service agreement there. So, essentially, you are on an ongoing service fee of 1.10% that allows us to look after your super.\n\nKeep updating advice as well. We don't charge any implementation fees for looking after your super. And updating the advice is all part of this ongoing service agreement. And because yourself and Darren are both clients, you're on a lower fee of 1.10%. So down the track, that could all change.\n\nBut right now, this is where we're at. We're not changing anything for yourself. We just wanna make sure your sleep is working as hard as possible for you so that after you've worked your lifetime, you can enjoy the rest of your years in retirement, drawing an income, and hopefully traveling as much as you possibly can as well. Yeah. Once you've kinda gone through those, I will ask that you sign and return that one back for us.\n\nIt's just allowing us to continue looking after everything and updating the advice for you as well. Okay? The last yeah. Absolutely. The last document attached is the tax file number.\n\nSo this is a new document. We just like to make sure we're updating our records. We let you know we do hold your tax file number because we serve your life insurance and your super funds. So this is outlining how and why we do so, and we are very security conscious. There's a lot going on in the world at the moment with the different security issues.\n\nSo we always call when we call you or you call us, we're always through security, making sure that we're protecting your identity and not providing any information to anyone that we shouldn't be. So these info these documents here just kinda outline that for you. Once you've gone through those, this is the same as DocuSign. It's OdooSign. It actually allows you to sign the documents.\n\nSo once you've gone through, just click on the signature button. It'll help to prepopulate a signature the same as DocuSign does. And then once you've done each document, it'll come back to us automatically for you as well. Okay? Excellent.\n\nBeautiful. Just so I can update the advice for you, just a couple of additional things to sort of look at. Goal wise, are you hoping to be able to access super at around about the age of 60, or what's your goal for being able to retire down the track? Yeah. The earliest you can under legislation is 60.\n\nSo I'll work on that for the time being. And if we're lucky enough to get access earlier, I'll let you know. Yep. Beautiful. Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably?\n\nOh, absolutely. Yeah. Definitely. I know. I know.\n\nIt's insane, isn't it? Yeah. Beautiful. Yeah. Absolutely.\n\nAnd, look, what I sorta do, when you actually get close to retirement or when you're sort of telling me you're ready to retire, we then go through either a budget plan or look at what you need to live on in those years. And we draw up a whole different plan to sort of look at what that does, how that looks. Right now, we're just wanting to make as much as we can in the super and have that grow as high as possible for you. Okay. Excellent.\n\nNow I can I know you've got a lot going on with the newer property of this purchase and also moving next year? Are you at any point wanting to be able to make additional contributions to super, or you're happy just with what the employer puts in currently? Yeah. No. So they actually don't.\n\nThere are different ways of contributing depending on what you're wanting. The most common way is salary sacrifice, which is essentially helping to pay less income tax where your employer puts a little bit extra out of your pretax income into super. You can also do it as a, like, a deductible contribution one off, which gives you a tax deduction. So as an example, if you had, you know, a spare 5,000 and you wanted to put that into super, to help give you a bit of a tax deduction, that would be transferred into super. We will claim a notice of intent.\n\nThey call it a deductible contribution, and then they give you a letter to give to your, tax agent, and you can claim that $5,000 back as a tax deduction on your tax return. It's a nice little way to help lower your income tax and hopefully get a little bit back. You can also yeah. Absolutely. What I'll do is I will make a maybe a little calendar invite for me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you.\n\nThat way, we can have that conversation, talk about what space you have, what you're after, and whether you wanna make that kind of a contribution. Does that sound okay? Yeah. Yeah. Absolutely.\n\nThe other way of doing it is a non concessional. This is an after tax contribution to still put the money in out of your bank account. The government, if you are within a certain tax bracket, which at the moment your income is slightly higher than the requirement, They can sort of give you what's called a government co contribution, but your income's a bit high for that. It's more meant for lower income earners who are contributing additional money to super, and they don't match it dollar for dollar. They have a cap.\n\nIt's no more than 500 for the year, and you've gotta make a contribution of at least a thousand dollars. So it's more just about helping to boost lower income earners to put more into that super. It used to be dollar for dollar, but it's not anymore. It's a shame, really. I'm sure they could afford it.\n\nSo yeah. Absolutely. I'll pop some in your calendar to make sure I update that with you. Not a problem at all. Beautiful.\n\nI've got down here other goals are that you're looking to move next year to Mackay and that you'll be renting your current main primary residence out. Do you have any other goals that you're looking to achieve over the next couple of years at all? Or No. Yeah. Absolutely.\n\nFantastic. And just sort of looking to see if there's anything else. Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week. When would be preferable for them to give you a call to be able to do a quick pre assessment with you? Just so when we're updating the advice, we understand what kind of insurance contract may be offered.\n\nK. Okay. Yeah. Perfect. Not a problem at all.\n\nI'll pop it in the calendar. Sorry. I'm just double checking the calendar. Give me one second. Okay.\n\nIt's loading for me. Here we go. Perfect. Alright. So Monday here is the king's birthday for us, but I could definitely do maybe Tuesday next week.\n\nWould that be okay, the same time? Fantastic. I'll pop that one in there, and my colleague, Caden, will give you a call. I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and sorta give you an idea of what the expectation is with increasing the insurances. Okay?\n\nFantastic. Excellent. And then after that call, he'll book in your advice presentation for a few weeks after that to make it easier for you. Okay? Excellent.\n\nThe only other thing to sort of double check is have you got a will power of attorney documents in place? Have you ever seen a solicitor and drawn up those sorts of documents in the past? Yeah. Okay. Yeah.\n\nThat's okay. Oh, beautiful. So you've got all those documents done. You just did the the the ones in the post office to make it easier. Yeah.\n\nAbsolutely. No. That's okay. That's not a problem at all. Fantastic.\n\nNow the last thing I wanted to run through with you is just an updated risk profile just to make sure that you are invested correctly and that your risk appetite hasn't changed at all. The the same as that you what you have sort of answered over the last couple of years, which makes it easy for you. The first one here is have you ever owned any shares? I've got down that you've never owned shares or investments in your own name. You don't own any shares or cryptocurrency or anything?\n\nNo? That's okay. The next one here, I'll tick off for you because you have longer than ten years ahead of you before being able to access super. The next question here is about inflation, and it says, how much risk do you feel comfortable taking to make sure your returns are keeping up with inflation over the longer term? Are you comfortable taking on a higher level of risk to obtain greater potential returns that over time beat inflation?\n\nYou may be comfortable with a moderate or medium amount of risk to, again, try to get the best returns possible, or are you not comfortable taking risk and understand the returns are lower because of that? Where do you think you fit? Yep. Beautiful. Excellent.\n\nThe next one here, it says that if in six months after changing or altering your portfolio or if you look down six months down the track and we saw due to what was happening in the markets, generally, the portfolio fell by 20%, how might you be feeling? Are you possibly thinking it's an investment opportunity? We'll put some more money into the dip and take advantage of that. Are you a bit concerned, maybe holding and waiting, calling us, or are you really scared and wanting to move your money into cash? How do you think you might react?\n\nNot a bad thing. Do you think maybe you'd hold and wait and maybe call us and have a chat to see what we think you do? Yep. That's okay. Absolutely fine.\n\nThe last one I have here is thinking about investments. Have you ever thought about borrowing to invest in shares or manage funds, or have you only ever wanted and or borrowed for property? Yeah. Yeah. Absolutely.\n\nWell, down the track, you're welcome to let me know. We can absolutely help and advise in that area. It is also a great way to sort of think about with your investment properties and other investments in say shares or portfolio similar to your super. Those sorts of things can grow over time. And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well.\n\nSo down the track, we can always have those conversations and assist you. Absolutely. Beautiful. Now at the moment, you've scored it as a high growth investor. We currently have you in a high growth environment.\n\nThat sees 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities. And then the other sort of 10% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of environment you're looking to obtain anywhere between sort of a 10 to 12% return on a yearly basis, you are taking more risk in the market. So we do understand a negative return is likely sort of one in every six years.\n\nDo you feel comfortable staying in this environment? You said you were happy for another twelve months. Is that accurate? Yep. Beautiful.\n\nIt definitely suits your time horizon because you have more than ten years ahead of you. This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that. So it does set your time horizon. You've got the risk capacity there. You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment.\n\nI'll just alter your portfolio to remove some underperforming investments and also look at your insurances, and we'll look at how that's tracking over the next five to ten years. And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution. How does that sound? Yep. Beautiful.\n\nI'll also get your beneficiaries up to date, prefilled, and sent out to you by email. I'll get my team to follow through with that tomorrow for you. Is there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you? No? Beautiful.\n\nThank you so much. So what I'll do is I'll let you go, and I'll get stuck into the research there. My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you as well. And if you find you have any questions in the meantime, let me know. And if you can just sign and return that audio sign, that would be fabulous.\n\nOkay? My pleasure, Lisa. Have a great afternoon. Enjoy the rest of your public holiday. Thank you.\n\nTalk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Alyssa.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.12459107115864754},{"text":"This is Dana from Okie Financial.","start":2.8799999,"end":4.5,"sentiment":"neutral","sentiment_score":0.15159878631432852},{"text":"How are you this afternoon?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.19277583658695222},{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5783578356107076},{"text":"Thank you.","start":9.04,"end":9.36,"sentiment":"positive","sentiment_score":0.6353297531604767}],"sentiment":"neutral","sentiment_score":0.2849103920161724,"num_words":18,"start":2.24,"end":9.36},{"sentences":[{"text":"Thanks for asking.","start":9.36,"end":10.24,"sentiment":"positive","sentiment_score":0.6206650336583456},{"text":"I had your booking through to go through your annual review.","start":10.24,"end":12.32,"sentiment":"neutral","sentiment_score":0.29079876704649493},{"text":"Is now still a good time there for you?","start":12.32,"end":14.34,"sentiment":"neutral","sentiment_score":0.27388067212369704},{"text":"Fantastic.","start":16.415,"end":16.915,"sentiment":"positive","sentiment_score":0.6666195392608643},{"text":"How's your day been so far?","start":17.215,"end":18.915,"sentiment":"positive","sentiment_score":0.3448348293701808}],"sentiment":"positive","sentiment_score":0.3420445367693901,"num_words":30,"start":9.36,"end":18.915},{"sentences":[{"text":"Oh, perfect.","start":23.295,"end":24.515,"sentiment":"neutral","sentiment_score":0.29850268363952637},{"text":"Excellent.","start":26.415,"end":26.915,"sentiment":"neutral","sentiment_score":0.30641430616378784},{"text":"What public holiday is it?","start":27.055,"end":28.74,"sentiment":"neutral","sentiment_score":0.0944158136844635},{"text":"Nice.","start":31.38,"end":31.779999,"sentiment":"neutral","sentiment_score":0.22227202355861664},{"text":"Yeah.","start":31.779999,"end":32.1,"sentiment":"neutral","sentiment_score":0.1072527915239334}],"sentiment":"neutral","sentiment_score":0.17050235569477082,"num_words":10,"start":23.295,"end":32.1},{"sentences":[{"text":"Ours is next Monday, so we'll enjoy that.","start":32.1,"end":34.66,"sentiment":"neutral","sentiment_score":0.15857088472694159},{"text":"Yeah.","start":34.66,"end":35.16,"sentiment":"neutral","sentiment_score":0.07437050342559814},{"text":"No.","start":35.94,"end":36.26,"sentiment":"neutral","sentiment_score":0.03624342381954193},{"text":"All good, Lisa.","start":36.26,"end":37.239998,"sentiment":"neutral","sentiment_score":0.11852328479290009},{"text":"Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward?","start":37.54,"end":42.34,"sentiment":"neutral","sentiment_score":0.058108233887216316}],"sentiment":"neutral","sentiment_score":0.08531222885681523,"num_words":36,"start":32.1,"end":42.34},{"sentences":[{"text":"Are you happy for us to Fantastic.","start":42.34,"end":46.505,"sentiment":"neutral","sentiment_score":0.21614667773246765},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there.","start":46.645,"end":52.825,"sentiment":"neutral","sentiment_score":0.18435388455788296},{"text":"Yep.","start":56.405,"end":56.52,"sentiment":"neutral","sentiment_score":0.0878322571516037},{"text":"No, sir.","start":62.6,"end":63.0,"sentiment":"neutral","sentiment_score":-0.0031590063590556383},{"text":"Date of birth, address, and lovely.","start":63.0,"end":67.88,"sentiment":"neutral","sentiment_score":0.05156225858566662}],"sentiment":"neutral","sentiment_score":0.16162024080024465,"num_words":46,"start":42.34,"end":67.88},{"sentences":[{"text":"Thank you so much for that.","start":67.88,"end":69.32,"sentiment":"positive","sentiment_score":0.49397974212964374},{"text":"All good.","start":69.32,"end":70.06,"sentiment":"neutral","sentiment_score":0.32646307349205017},{"text":"Now do you happen to have access to your emails there currently at all?","start":70.365,"end":73.825,"sentiment":"neutral","sentiment_score":0.05471136500792844},{"text":"Yeah.","start":75.485,"end":75.965,"sentiment":"neutral","sentiment_score":0.16684959828853607},{"text":"Beautiful.","start":75.965,"end":76.445,"sentiment":"neutral","sentiment_score":0.3291028141975403}],"sentiment":"neutral","sentiment_score":0.20327983843162656,"num_words":24,"start":67.88,"end":76.445},{"sentences":[{"text":"What I'm gonna do is I'm just gonna send through some documents to you just to run through as part of your annual review just so you can sort of see what we're going through as we are going through them.","start":76.445,"end":84.305,"sentiment":"neutral","sentiment_score":0.18960828097855173},{"text":"Now, hopefully, it should come through fairly quickly there for you.","start":86.32,"end":89.3,"sentiment":"neutral","sentiment_score":0.2686468769203533},{"text":"Beautiful.","start":91.04,"end":91.54,"sentiment":"positive","sentiment_score":0.44928836822509766},{"text":"Love technology when it wants to work in our favor.","start":91.68,"end":94.18,"sentiment":"positive","sentiment_score":0.3843063473701477},{"text":"Beautiful.","start":98.755,"end":99.255,"sentiment":"neutral","sentiment_score":0.28728264570236206}],"sentiment":"neutral","sentiment_score":0.23919827584177256,"num_words":64,"start":76.445,"end":99.255},{"sentences":[{"text":"So when you open that one there, it does ask you to press the sign button so you can go through to see them.","start":99.315,"end":105.555,"sentiment":"neutral","sentiment_score":0.14434690090517202},{"text":"However, I will never ask you to sign anything you haven't read through.","start":105.555,"end":108.615,"sentiment":"neutral","sentiment_score":-0.020646710951740924},{"text":"So we'll go through each of the documents and just sort of talk about each of them as we are going through things, updating all of your circumstances.","start":108.755,"end":115.6,"sentiment":"neutral","sentiment_score":0.06777277721890382},{"text":"I did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well.","start":116.46,"end":125.805,"sentiment":"neutral","sentiment_score":0.19197537698024927},{"text":"Okay?","start":125.805,"end":126.305,"sentiment":"neutral","sentiment_score":0.09740719199180604}],"sentiment":"neutral","sentiment_score":0.12335692241856265,"num_words":109,"start":99.315,"end":126.305},{"sentences":[{"text":"Fantastic.","start":127.885,"end":128.38501,"sentiment":"positive","sentiment_score":0.6501221060752869},{"text":"Now the first document you should see in there, are you able to see each of those documents, or what's it say at the moment just to sort of make sure I'm on the same page as you?","start":129.165,"end":137.185,"sentiment":"neutral","sentiment_score":0.14650414354707064},{"text":"That's okay.","start":140.81,"end":141.63,"sentiment":"neutral","sentiment_score":0.0744163803756237},{"text":"The first one should say summary.","start":142.97,"end":144.67,"sentiment":"neutral","sentiment_score":0.03947825419406096},{"text":"Yep.","start":145.61,"end":146.09,"sentiment":"neutral","sentiment_score":0.0650758147239685}],"sentiment":"neutral","sentiment_score":0.1389178679479907,"num_words":48,"start":127.885,"end":146.09},{"sentences":[{"text":"That's the one.","start":146.09,"end":146.97,"sentiment":"neutral","sentiment_score":0.14940410355726877},{"text":"Beautiful.","start":146.97,"end":147.47,"sentiment":"positive","sentiment_score":0.5340487957000732},{"text":"Now if if I go too fast, please just let me know.","start":147.69,"end":150.195,"sentiment":"neutral","sentiment_score":0.10043999770035346},{"text":"But this is giving you an updated summary of your suit graduation and your insurances there as of the September 24 when we completed the documents.","start":150.35501,"end":157.65501,"sentiment":"neutral","sentiment_score":0.089846707164095},{"text":"So how do you look there?","start":157.71501,"end":158.835,"sentiment":"neutral","sentiment_score":0.03377753775566816}],"sentiment":"neutral","sentiment_score":0.0984629310745125,"num_words":48,"start":146.09,"end":158.835},{"sentences":[{"text":"Your balance is sitting about $157,874 and 16¢ there.","start":158.835,"end":163.98,"sentiment":"neutral","sentiment_score":0.0007255233358591797},{"text":"When I have a look back at what your balance was, when we look back at this time last year sorry.","start":164.3,"end":169.98,"sentiment":"neutral","sentiment_score":-0.020463258471517337},{"text":"My computer's a bit slow there.","start":169.98,"end":171.34,"sentiment":"neutral","sentiment_score":-0.15686536331971487},{"text":"But you were sitting at around about a 144,000 last year or just over.","start":171.34,"end":175.81999,"sentiment":"neutral","sentiment_score":-0.0336424909265978},{"text":"So you have seen a good increase there.","start":175.81999,"end":178.125,"sentiment":"neutral","sentiment_score":-0.016462701838463545}],"sentiment":"neutral","sentiment_score":-0.03452303348795364,"num_words":58,"start":158.835,"end":178.125},{"sentences":[{"text":"When we sort of have a look at what's been going on with this super this year with the all investors, they have been very up and down with what's been happening in the market generally.","start":178.845,"end":187.105,"sentiment":"neutral","sentiment_score":-0.11106199046803845},{"text":"So we are expecting a bit of a lower kind of return this year with the volatility in the ups and downs.","start":187.565,"end":193.105,"sentiment":"neutral","sentiment_score":-0.21620079468597064},{"text":"However, as I said, I had a bit of a look at the advice your portfolio.","start":193.78,"end":197.48,"sentiment":"neutral","sentiment_score":-0.0031782290898263454},{"text":"Sorry.","start":197.54,"end":197.78,"sentiment":"neutral","sentiment_score":-0.021454961970448497},{"text":"And I've had a bit of a look at where we can definitely look to make some changes.","start":197.78,"end":200.92,"sentiment":"neutral","sentiment_score":0.05063907791756921}],"sentiment":"neutral","sentiment_score":-0.08511239101970068,"num_words":93,"start":178.845,"end":200.92},{"sentences":[{"text":"If I can get you to scroll forward to the next document there for me, Lisa.","start":201.7,"end":207.265,"sentiment":"neutral","sentiment_score":0.0789329728577286},{"text":"Beautiful.","start":207.565,"end":208.065,"sentiment":"positive","sentiment_score":0.42686185240745544},{"text":"The next one is your performance report.","start":208.125,"end":210.305,"sentiment":"neutral","sentiment_score":0.18929998576641083},{"text":"So the first page that you'll see a a lot of different investment options there.","start":210.525,"end":214.36499,"sentiment":"neutral","sentiment_score":0.1193233681221803},{"text":"The first one's been along Australian Equities.","start":214.36499,"end":216.625,"sentiment":"neutral","sentiment_score":0.03925789333879948}],"sentiment":"neutral","sentiment_score":0.11042489334131064,"num_words":46,"start":201.7,"end":216.625},{"sentences":[{"text":"Underneath that, you should also see the cybersecurity, the battery, and lithium tech.","start":216.92499,"end":221.025,"sentiment":"neutral","sentiment_score":0.05547356576873706},{"text":"And so forth, you can see all those investment options noted there?","start":221.2,"end":224.34,"sentiment":"neutral","sentiment_score":0.03829703091954192},{"text":"Yeah.","start":225.68,"end":226.07999,"sentiment":"neutral","sentiment_score":0.23273375630378723},{"text":"Beautiful.","start":226.07999,"end":226.57999,"sentiment":"positive","sentiment_score":0.5494564771652222},{"text":"So when we have a look at those, if you look at the second last column there, it all it sort of shows you which investments are up and which ones are down for the year.","start":226.71999,"end":235.025,"sentiment":"neutral","sentiment_score":0.07955726174016793}],"sentiment":"neutral","sentiment_score":0.0766186092403673,"num_words":63,"start":216.92499,"end":235.025},{"sentences":[{"text":"Majority of everything has been performing very nicely, and we're very happy with it.","start":235.025,"end":239.36499,"sentiment":"positive","sentiment_score":0.5791831740311214},{"text":"However, the Australian Equities won the first one at the top.","start":239.665,"end":242.385,"sentiment":"neutral","sentiment_score":-0.04725371165709062},{"text":"There has taken a little bit of a dip.","start":242.385,"end":244.065,"sentiment":"negative","sentiment_score":-0.368131591214074},{"text":"So I've been looking to maybe replace that as it has been underperforming slightly, and the rest of the Australian market's actually doing quite well and has been up over all for the years.","start":244.065,"end":254.11,"sentiment":"neutral","sentiment_score":-0.04161503165960312},{"text":"So I would like to maybe look at removing that investment for you.","start":254.11,"end":257.81,"sentiment":"neutral","sentiment_score":-0.19557737501767966}],"sentiment":"neutral","sentiment_score":0.0039280535262308,"num_words":81,"start":235.025,"end":257.81},{"sentences":[{"text":"The other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China.","start":258.03,"end":265.76498,"sentiment":"neutral","sentiment_score":-0.03767828378253258},{"text":"That was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there.","start":266.38498,"end":276.54498,"sentiment":"neutral","sentiment_score":-0.14355752540921624},{"text":"So that one is essentially underperforming pretty significantly as well there.","start":276.54498,"end":280.56,"sentiment":"negative","sentiment_score":-0.3871088922023773},{"text":"So I would like to maybe look at changing that out for you.","start":280.56,"end":283.46,"sentiment":"neutral","sentiment_score":-0.0739055318901172},{"text":"It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well.","start":284.0,"end":290.97998,"sentiment":"neutral","sentiment_score":0.3024434794982274}],"sentiment":"neutral","sentiment_score":-0.035943489906585906,"num_words":121,"start":258.03,"end":290.97998},{"sentences":[{"text":"When we sort of think about investments in the way the types of investments are, we have different ways of investing.","start":292.045,"end":297.825,"sentiment":"neutral","sentiment_score":0.05135486115302358},{"text":"One of those is called active management.","start":298.20502,"end":300.305,"sentiment":"neutral","sentiment_score":0.0925687061888831},{"text":"So that's investing in managers who are actively trying to outperform against the market.","start":300.36502,"end":305.745,"sentiment":"neutral","sentiment_score":0.10890055873564311},{"text":"That's what that original BANALONG one.","start":306.08,"end":308.34,"sentiment":"neutral","sentiment_score":0.10003282378117244},{"text":"So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged.","start":308.4,"end":315.7,"sentiment":"neutral","sentiment_score":0.1722166754771024}],"sentiment":"neutral","sentiment_score":0.1170271425973624,"num_words":80,"start":292.045,"end":315.7},{"sentences":[{"text":"And, overall, they're trying to outperform against the market.","start":316.24,"end":319.14,"sentiment":"neutral","sentiment_score":0.200260604162597},{"text":"Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa.","start":319.685,"end":325.145,"sentiment":"neutral","sentiment_score":-0.0009281037544662303},{"text":"Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you?","start":325.76498,"end":335.68002,"sentiment":"neutral","sentiment_score":0.033013913388315},{"text":"What would you sort of prefer?","start":335.68002,"end":336.88,"sentiment":"neutral","sentiment_score":0.014060532984634241},{"text":"How would you like to see it invested?","start":336.88,"end":338.58002,"sentiment":"neutral","sentiment_score":-0.014743638574145734}],"sentiment":"neutral","sentiment_score":0.036179156059466575,"num_words":83,"start":316.24,"end":338.58002},{"sentences":[{"text":"Well, I certainly wanna make sure you do.","start":343.84003,"end":346.16,"sentiment":"neutral","sentiment_score":0.20167811028659344},{"text":"That's for sure.","start":346.16,"end":347.375,"sentiment":"neutral","sentiment_score":0.10786423335472743},{"text":"No.","start":348.955,"end":349.435,"sentiment":"neutral","sentiment_score":0.0279244352132082},{"text":"Absolutely.","start":349.435,"end":349.935,"sentiment":"neutral","sentiment_score":0.07064990699291229},{"text":"So you would like to see a bit of active management's investments in your portfolio moving forward and continuing to have that sort of exposure?","start":349.995,"end":357.455,"sentiment":"neutral","sentiment_score":0.10698210805654526}],"sentiment":"neutral","sentiment_score":0.1239511743678074,"num_words":38,"start":343.84003,"end":357.455},{"sentences":[{"text":"Yep.","start":359.35498,"end":359.76,"sentiment":"neutral","sentiment_score":0.12025599926710127},{"text":"Yeah.","start":360.96002,"end":361.46002,"sentiment":"neutral","sentiment_score":0.25607895851135254},{"text":"Beautiful.","start":361.6,"end":362.1,"sentiment":"positive","sentiment_score":0.4531685113906861},{"text":"Well, I'll have a look at the portfolio and look at updating things to reflect that for you.","start":362.24002,"end":366.42,"sentiment":"neutral","sentiment_score":0.22542678068081537},{"text":"I'll look at trying to see if I can make it lower cost as well.","start":366.64,"end":369.12,"sentiment":"neutral","sentiment_score":0.19598424832026165}],"sentiment":"neutral","sentiment_score":0.21741525683965948,"num_words":36,"start":359.35498,"end":369.12},{"sentences":[{"text":"So having a look at some of the investments that are in your portfolio, I might be able to switch out a few others of those and replace them for you, make the portfolio a bit cheaper.","start":369.12,"end":377.805,"sentiment":"neutral","sentiment_score":0.13683220421945727},{"text":"So one of the other ways that we can look to help them boost super moving forward is to lower the fees as much as possible as well, which means that more money is staying invested in your sleep of working harder for you over time and there.","start":377.805,"end":389.5,"sentiment":"neutral","sentiment_score":0.2438591307339569},{"text":"So I'd love to definitely have a look and see if I can fix that for you as well.","start":389.5,"end":392.94,"sentiment":"neutral","sentiment_score":0.23209087864348762},{"text":"Okay?","start":392.94,"end":393.44,"sentiment":"neutral","sentiment_score":0.10124468803405762},{"text":"Beautiful.","start":395.02,"end":395.52,"sentiment":"positive","sentiment_score":0.4529705047607422}],"sentiment":"neutral","sentiment_score":0.20501860111670675,"num_words":106,"start":369.12,"end":395.52},{"sentences":[{"text":"So as per the last document there, you add about a 157,000 currently, which is fantastic.","start":396.54,"end":402.385,"sentiment":"positive","sentiment_score":0.40597702749073505},{"text":"You wanna keep that growing and working harder for you moving forward.","start":402.445,"end":405.905,"sentiment":"positive","sentiment_score":0.5459227859973907},{"text":"Underneath that, on that first page that we were looking at, you've also got your insurances.","start":406.685,"end":411.105,"sentiment":"neutral","sentiment_score":0.05766341369599104},{"text":"Having a look at your at your circumstances and with the level of cover you have, with the nearest insurance company, you've got life and total permanent disability covered.","start":412.125,"end":422.05,"sentiment":"neutral","sentiment_score":0.0827460500957637},{"text":"Do you understand how those insurances work, how they pay?","start":422.05,"end":425.34998,"sentiment":"neutral","sentiment_score":0.0512375820428133}],"sentiment":"neutral","sentiment_score":0.20338953932724804,"num_words":83,"start":396.54,"end":425.34998},{"sentences":[{"text":"Yep.","start":426.805,"end":427.045,"sentiment":"neutral","sentiment_score":0.031548310071229935},{"text":"Beautiful.","start":427.045,"end":427.545,"sentiment":"positive","sentiment_score":0.6521368622779846},{"text":"So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover.","start":427.845,"end":435.925,"sentiment":"neutral","sentiment_score":0.143248794393407},{"text":"Are you fairly comfortable with that level of cover?","start":435.925,"end":438.165,"sentiment":"neutral","sentiment_score":0.07794818530480067},{"text":"Did you wanna reassess that in any way?","start":438.165,"end":443.97,"sentiment":"neutral","sentiment_score":0.02708743349649012}],"sentiment":"neutral","sentiment_score":0.11298369208501803,"num_words":37,"start":426.805,"end":443.97},{"sentences":[{"text":"You can.","start":446.75,"end":447.49002,"sentiment":"neutral","sentiment_score":0.024507503025233746},{"text":"Okay.","start":450.19,"end":450.69,"sentiment":"neutral","sentiment_score":0.0975295677781105},{"text":"Yeah.","start":453.87,"end":454.365,"sentiment":"neutral","sentiment_score":0.08722859621047974},{"text":"Absolutely.","start":454.60498,"end":455.10498,"sentiment":"neutral","sentiment_score":0.13397762179374695},{"text":"So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in borrowing at the moment?","start":455.32498,"end":463.345,"sentiment":"neutral","sentiment_score":0.02208905702886673}],"sentiment":"neutral","sentiment_score":0.0303892346639787,"num_words":31,"start":446.75,"end":463.345},{"sentences":[{"text":"Yep.","start":471.18,"end":471.68,"sentiment":"neutral","sentiment_score":0.09575608372688292},{"text":"That's okay.","start":471.74,"end":472.38,"sentiment":"neutral","sentiment_score":0.18396690487861633},{"text":"Now it is really important to note that there are limits with insurances.","start":472.38,"end":476.0,"sentiment":"neutral","sentiment_score":-0.02156369388103485},{"text":"So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine.","start":476.22,"end":481.28,"sentiment":"neutral","sentiment_score":0.08086414848055158},{"text":"The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials.","start":481.845,"end":490.10498,"sentiment":"neutral","sentiment_score":-0.05760293560368674}],"sentiment":"neutral","sentiment_score":-0.005127969743876621,"num_words":58,"start":471.18,"end":490.10498},{"sentences":[{"text":"At the moment, given your agent stage, increasing that level of cover to say 1.5 or 2,000,000, absolutely fine.","start":491.04498,"end":497.57,"sentiment":"neutral","sentiment_score":0.10696955044802867},{"text":"It is gonna increase the cost of the insurances as well, but you'll have you're comfortable with that.","start":497.94998,"end":502.83,"sentiment":"neutral","sentiment_score":-0.02801888736171855},{"text":"Yep?","start":502.83,"end":503.33,"sentiment":"neutral","sentiment_score":0.015477633103728294},{"text":"I will have to have a look at it for you.","start":506.27,"end":508.51,"sentiment":"neutral","sentiment_score":-0.015374969013712624},{"text":"Yeah.","start":508.51,"end":508.91,"sentiment":"neutral","sentiment_score":0.04305856674909592}],"sentiment":"neutral","sentiment_score":0.028349860534071923,"num_words":50,"start":491.04498,"end":508.91},{"sentences":[{"text":"So what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years.","start":508.91,"end":525.51,"sentiment":"neutral","sentiment_score":0.06265129542519007},{"text":"Does that sound alright?","start":525.51,"end":526.41,"sentiment":"neutral","sentiment_score":0.09114331938326359},{"text":"Yep.","start":528.31,"end":528.70996,"sentiment":"neutral","sentiment_score":0.18572770059108737},{"text":"Beautiful.","start":528.70996,"end":529.20996,"sentiment":"positive","sentiment_score":0.3400490880012512},{"text":"So and so you said 2,000,000 total?","start":529.35,"end":532.33,"sentiment":"neutral","sentiment_score":0.05495599444423403}],"sentiment":"neutral","sentiment_score":0.06879229791462421,"num_words":75,"start":508.91,"end":532.33},{"sentences":[{"text":"Yep.","start":535.75,"end":536.25,"sentiment":"neutral","sentiment_score":0.008240068331360817},{"text":"Yes.","start":547.395,"end":547.895,"sentiment":"neutral","sentiment_score":0.009649502113461494},{"text":"Yeah.","start":553.44995,"end":553.94995,"sentiment":"neutral","sentiment_score":0.000518028624355793},{"text":"Yeah.","start":556.64996,"end":557.13,"sentiment":"neutral","sentiment_score":0.00014184694737195969},{"text":"So having a look here, you've got your beneficiary set as Darren to receive 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%.","start":557.13,"end":568.965,"sentiment":"neutral","sentiment_score":0.04737354136042057}],"sentiment":"neutral","sentiment_score":0.042489406519702504,"num_words":35,"start":535.75,"end":568.965},{"sentences":[{"text":"Is that correct?","start":569.04504,"end":569.945,"sentiment":"neutral","sentiment_score":0.05980704724788666},{"text":"Yeah.","start":570.885,"end":571.385,"sentiment":"neutral","sentiment_score":-0.021310893818736076},{"text":"Yeah.","start":578.085,"end":578.16504,"sentiment":"neutral","sentiment_score":0.004373644478619099},{"text":"Yeah.","start":578.16504,"end":578.66504,"sentiment":"neutral","sentiment_score":0.007150974590331316},{"text":"Yeah.","start":578.72504,"end":579.22504,"sentiment":"neutral","sentiment_score":0.004577464424073696}],"sentiment":"neutral","sentiment_score":0.024887475916849717,"num_words":7,"start":569.04504,"end":579.22504},{"sentences":[{"text":"Yeah.","start":580.005,"end":580.405,"sentiment":"neutral","sentiment_score":0.039465539157390594},{"text":"Absolutely.","start":580.405,"end":580.905,"sentiment":"neutral","sentiment_score":0.0749911516904831},{"text":"So sorry.","start":581.205,"end":581.60504,"sentiment":"neutral","sentiment_score":0.010240600444376469},{"text":"30% to Mackenzie and 70% to Darren?","start":581.60504,"end":585.23,"sentiment":"neutral","sentiment_score":0.02090806114886488},{"text":"Yeah.","start":586.65,"end":587.15,"sentiment":"neutral","sentiment_score":0.14451932907104492}],"sentiment":"neutral","sentiment_score":0.035484470737477146,"num_words":12,"start":580.005,"end":587.15},{"sentences":[{"text":"Absolutely.","start":587.21,"end":587.71,"sentiment":"neutral","sentiment_score":0.27170515060424805},{"text":"We can do that.","start":587.93,"end":588.81,"sentiment":"neutral","sentiment_score":0.26204944774508476},{"text":"I also just wanted to double check because we had Heidi on here as other dependent.","start":588.81,"end":592.49,"sentiment":"neutral","sentiment_score":0.03212561074178666},{"text":"What relationship is Heidi to yourself?","start":592.49,"end":594.59,"sentiment":"neutral","sentiment_score":0.0005998875324924784},{"text":"Right.","start":596.09,"end":596.49,"sentiment":"neutral","sentiment_score":0.03628559410572052}],"sentiment":"neutral","sentiment_score":0.06692134402692318,"num_words":28,"start":587.21,"end":596.49},{"sentences":[{"text":"Okay.","start":596.49,"end":596.89,"sentiment":"neutral","sentiment_score":0.04677313566207886},{"text":"It is a yeah.","start":596.89,"end":598.61505,"sentiment":"neutral","sentiment_score":0.09321653470396996},{"text":"It is a good thing that you are updating that because under the legislation, while she has been noted here as an other dependent, she doesn't technically meet the criteria to be considered a beneficiary under the CIS Act.","start":598.61505,"end":610.32,"sentiment":"neutral","sentiment_score":0.07695131939955246},{"text":"So if in any way that she was to claim on this, if you were to pass away currently, she would essentially if she can't prove that she's a a true dependent and relies on you financially for a financial support and lives with you, that, essentially, she would be denied access to her part of the claim.","start":610.56,"end":627.66504,"sentiment":"neutral","sentiment_score":-0.14975629489997339},{"text":"And the super fund would have the option of either paying that portion to your estate to have distributed via your will, or they can have that nominated or paid out to one of your other beneficiaries depending on what their discretionary rules would be.","start":627.72504,"end":639.96,"sentiment":"neutral","sentiment_score":0.06002182931535774}],"sentiment":"neutral","sentiment_score":-0.01744314322412825,"num_words":147,"start":596.49,"end":639.96},{"sentences":[{"text":"So it it does make it harder.","start":639.96,"end":642.94,"sentiment":"neutral","sentiment_score":-0.30727756874901907},{"text":"No worries at all.","start":643.96,"end":645.16003,"sentiment":"neutral","sentiment_score":0.1311470214277506},{"text":"So I can have that form updated for you and my team to send it out.","start":645.16003,"end":648.795,"sentiment":"neutral","sentiment_score":0.30235058441758156},{"text":"Are you happy with us pre filling the nomination form for you as much as possible to help you out?","start":648.875,"end":653.915,"sentiment":"neutral","sentiment_score":0.08805060954764485},{"text":"Yeah.","start":653.915,"end":654.415,"sentiment":"neutral","sentiment_score":0.0966026559472084}],"sentiment":"neutral","sentiment_score":0.10560144379269332,"num_words":48,"start":639.96,"end":654.415},{"sentences":[{"text":"Absolutely.","start":655.27496,"end":655.77496,"sentiment":"positive","sentiment_score":0.4778004586696625},{"text":"And you've got it as a binding, non lapsing nomination.","start":655.995,"end":658.415,"sentiment":"neutral","sentiment_score":0.3319711536169052},{"text":"It is a good thing because you fill the format once.","start":658.475,"end":660.795,"sentiment":"positive","sentiment_score":0.6044379499825564},{"text":"You never have to pre fill the form unless you change your mind on your beneficiaries.","start":660.795,"end":665.07,"sentiment":"neutral","sentiment_score":0.26191039476543665},{"text":"Are you happy to keep it with the same type of nomination?","start":665.61,"end":668.43,"sentiment":"neutral","sentiment_score":0.18207371979951859}],"sentiment":"positive","sentiment_score":0.3364356079697609,"num_words":50,"start":655.27496,"end":668.43},{"sentences":[{"text":"Yeah.","start":670.08997,"end":670.49,"sentiment":"neutral","sentiment_score":0.2144772857427597},{"text":"Beautiful.","start":670.49,"end":670.99,"sentiment":"positive","sentiment_score":0.6573457717895508},{"text":"I love that.","start":671.05,"end":671.69,"sentiment":"positive","sentiment_score":0.7058868408203125},{"text":"The other option is binding lapsing.","start":671.69,"end":673.20996,"sentiment":"neutral","sentiment_score":0.1802429979046186},{"text":"You have to refill the format every three years, and life gets busy.","start":673.20996,"end":679.17505,"sentiment":"neutral","sentiment_score":0.06172934303490015}],"sentiment":"neutral","sentiment_score":0.20305929278644422,"num_words":24,"start":670.08997,"end":679.17505},{"sentences":[{"text":"No.","start":679.23505,"end":679.47504,"sentiment":"neutral","sentiment_score":0.008349744603037834},{"text":"Perfect.","start":679.47504,"end":679.875,"sentiment":"neutral","sentiment_score":0.3072351813316345},{"text":"I will absolutely have that sorted out for you.","start":679.875,"end":682.35504,"sentiment":"positive","sentiment_score":0.4434862534205119},{"text":"Is it easy to have it posted or emailed to yourself, Lisa?","start":682.35504,"end":685.315,"sentiment":"neutral","sentiment_score":0.12851971139510474},{"text":"What would you prefer?","start":685.315,"end":686.29504,"sentiment":"neutral","sentiment_score":0.02332889032550156}],"sentiment":"neutral","sentiment_score":0.22009308536157565,"num_words":27,"start":679.23505,"end":686.29504},{"sentences":[{"text":"Email's good?","start":688.195,"end":689.13,"sentiment":"neutral","sentiment_score":0.0799435656517744},{"text":"Yep.","start":689.37,"end":689.87,"sentiment":"neutral","sentiment_score":0.17824409902095795},{"text":"Fantastic.","start":690.41003,"end":690.91003,"sentiment":"positive","sentiment_score":0.5246635675430298},{"text":"I'll get that one sorted for you ASAP.","start":691.21,"end":693.39,"sentiment":"positive","sentiment_score":0.48020003363490105},{"text":"Fantastic.","start":693.77,"end":694.27,"sentiment":"positive","sentiment_score":0.4597350955009461}],"sentiment":"positive","sentiment_score":0.3972407817267455,"num_words":13,"start":688.195,"end":694.27},{"sentences":[{"text":"I've also just made a note here that we'll look at increasing your life and CPD benefit to either 1,800,000 or 2,000,000 depending on the cost difference.","start":695.45,"end":703.71,"sentiment":"neutral","sentiment_score":0.1421248827267576},{"text":"Did you have a preference that would be more preferable to yourself for increasing that level of cover?","start":704.175,"end":709.235,"sentiment":"neutral","sentiment_score":0.049536545036567584},{"text":"No.","start":712.495,"end":712.735,"sentiment":"neutral","sentiment_score":-0.03708864748477936},{"text":"No.","start":712.735,"end":712.975,"sentiment":"neutral","sentiment_score":-0.03710503876209259},{"text":"Just the amount.","start":712.975,"end":713.695,"sentiment":"neutral","sentiment_score":-0.025480078533291817}],"sentiment":"neutral","sentiment_score":0.0915679144486785,"num_words":50,"start":695.45,"end":713.695},{"sentences":[{"text":"Did you sort of prefer to have the 2 mil?","start":713.695,"end":715.855,"sentiment":"neutral","sentiment_score":-0.003953815251588821},{"text":"Or 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Valdez?","start":731.71497,"end":732.69495,"sentiment":"neutral","sentiment_score":0.003983808836589257},{"text":"Yeah.","start":736.75494,"end":737.25494,"sentiment":"neutral","sentiment_score":0.006208204664289951},{"text":"Okay.","start":738.595,"end":739.095,"sentiment":"neutral","sentiment_score":0.018383074551820755},{"text":"Valdez, that one.","start":740.035,"end":741.01495,"sentiment":"neutral","sentiment_score":0.026163674890995026}],"sentiment":"neutral","sentiment_score":0.007681238273268237,"num_words":17,"start":728.7,"end":741.01495},{"sentences":[{"text":"Yep.","start":744.675,"end":745.175,"sentiment":"neutral","sentiment_score":0.043125033378601074},{"text":"Okay.","start":749.44,"end":749.94,"sentiment":"neutral","sentiment_score":0.023221958428621292},{"text":"If you have it, if you don't, that's okay.","start":751.28,"end":753.3,"sentiment":"neutral","sentiment_score":0.01740172246678008},{"text":"Yep.","start":756.0,"end":756.5,"sentiment":"neutral","sentiment_score":-0.002009517513215542},{"text":"Yep.","start":756.96,"end":757.215,"sentiment":"neutral","sentiment_score":-0.000852842815220356}],"sentiment":"neutral","sentiment_score":0.01693077951383132,"num_words":13,"start":744.675,"end":757.215},{"sentences":[{"text":"Yep.","start":762.09503,"end":762.59503,"sentiment":"neutral","sentiment_score":0.007795318029820919},{"text":"No.","start":768.335,"end":768.575,"sentiment":"neutral","sentiment_score":-0.022582577541470528},{"text":"That's fine.","start":768.575,"end":769.135,"sentiment":"neutral","sentiment_score":0.0950053483247757},{"text":"I can grab that as not a problem at 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$3.50.","start":795.585,"end":796.625,"sentiment":"neutral","sentiment_score":-0.007537100231274962},{"text":"And you said you owed technically $398,000, but the difference is obviously what's in your cash or offset account.","start":796.625,"end":802.37,"sentiment":"neutral","sentiment_score":-0.016179851060243028},{"text":"Sorry about that.","start":806.02997,"end":806.91,"sentiment":"neutral","sentiment_score":-0.07699593404928844},{"text":"No.","start":806.91,"end":807.41,"sentiment":"neutral","sentiment_score":-0.03758198767900467},{"text":"You're right.","start":807.63,"end":808.52997,"sentiment":"neutral","sentiment_score":0.033748526126146317}],"sentiment":"neutral","sentiment_score":-0.019391263265990548,"num_words":27,"start":795.585,"end":808.52997},{"sentences":[{"text":"Excellent.","start":809.63,"end":810.13,"sentiment":"neutral","sentiment_score":0.2655598223209381},{"text":"And the 4 Ridley Street, that's your main primary residence, is 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caravan?","start":894.32,"end":895.54,"sentiment":"neutral","sentiment_score":0.017819541816910107},{"text":"Beautiful.","start":897.36,"end":897.83997,"sentiment":"neutral","sentiment_score":0.1914793699979782},{"text":"Would you still value it at 50,000, do you think?","start":897.83997,"end":900.495,"sentiment":"neutral","sentiment_score":0.04988119453191757}],"sentiment":"neutral","sentiment_score":0.07025986741341296,"num_words":42,"start":885.835,"end":900.495},{"sentences":[{"text":"Yep.","start":902.895,"end":903.21497,"sentiment":"neutral","sentiment_score":0.11406852304935455},{"text":"Beautiful.","start":903.21497,"end":903.535,"sentiment":"positive","sentiment_score":0.4026567041873932},{"text":"They do go up in value at the moment.","start":903.535,"end":905.055,"sentiment":"neutral","sentiment_score":0.2451054420736101},{"text":"They're still very popular.","start":905.055,"end":906.275,"sentiment":"neutral","sentiment_score":0.2555518336594105},{"text":"Oh, 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drive?","start":918.79,"end":920.64996,"sentiment":"neutral","sentiment_score":0.010525110177695751}],"sentiment":"neutral","sentiment_score":0.2540332126189713,"num_words":27,"start":912.65497,"end":920.64996},{"sentences":[{"text":"Mhmm.","start":923.35,"end":923.85,"sentiment":"neutral","sentiment_score":0.011644020676612854},{"text":"Yep.","start":926.47,"end":926.97,"sentiment":"neutral","sentiment_score":-0.004312456585466862},{"text":"Uh-huh.","start":927.50995,"end":928.00995,"sentiment":"neutral","sentiment_score":-0.01599411480128765},{"text":"Beautiful.","start":932.665,"end":933.165,"sentiment":"neutral","sentiment_score":0.06315199285745621},{"text":"Excellent.","start":933.38495,"end":933.88495,"sentiment":"neutral","sentiment_score":0.3290942311286926}],"sentiment":"neutral","sentiment_score":0.07671673465520143,"num_words":5,"start":923.35,"end":933.88495},{"sentences":[{"text":"I love that.","start":934.02496,"end":935.08496,"sentiment":"positive","sentiment_score":0.45898906389872235},{"text":"And what sort of value would you put on your Hilux?","start":935.14496,"end":937.38495,"sentiment":"neutral","sentiment_score":0.0353493925861337},{"text":"I believe we had about 38 thousand.","start":937.38495,"end":939.40497,"sentiment":"neutral","sentiment_score":-0.02605324491326298},{"text":"Yep.","start":942.505,"end":942.81,"sentiment":"neutral","sentiment_score":0.00986037775874138},{"text":"Yep.","start":943.05,"end":943.55,"sentiment":"neutral","sentiment_score":0.012220527045428751}],"sentiment":"neutral","sentiment_score":0.06980516089369422,"num_words":23,"start":934.02496,"end":943.55},{"sentences":[{"text":"Yeah.","start":944.73,"end":945.05,"sentiment":"neutral","sentiment_score":0.08685176074504852},{"text":"Beautiful.","start":945.05,"end":945.55,"sentiment":"neutral","sentiment_score":0.28031793236732483},{"text":"They do hold their value quite well, those Hiluxes.","start":945.61,"end":947.87,"sentiment":"neutral","sentiment_score":0.16662644098202387},{"text":"Yep.","start":948.97,"end":949.29,"sentiment":"neutral","sentiment_score":0.042116716504096985},{"text":"And then we had about 12,000 in savings last time.","start":949.29,"end":952.33,"sentiment":"neutral","sentiment_score":0.03519704006612301}],"sentiment":"neutral","sentiment_score":0.10276794450526888,"num_words":22,"start":944.73,"end":952.33},{"sentences":[{"text":"That could be what you have in your offset account, which has definitely increased since then.","start":952.33,"end":956.25,"sentiment":"neutral","sentiment_score":0.17346447752788663},{"text":"Do you have any other savings accounts?","start":956.25,"end":958.25,"sentiment":"neutral","sentiment_score":0.030722170269915035},{"text":"Or 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all.","start":986.025,"end":987.805,"sentiment":"neutral","sentiment_score":0.19259327556937933},{"text":"All good.","start":991.145,"end":991.965,"sentiment":"positive","sentiment_score":0.4277714341878891}],"sentiment":"neutral","sentiment_score":0.2703905363256733,"num_words":48,"start":971.19,"end":991.965},{"sentences":[{"text":"Income wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725.","start":992.265,"end":999.565,"sentiment":"neutral","sentiment_score":0.12101340372311442},{"text":"Do you I had income wise here last time of you earning about a 100,000 per annum.","start":1000.21,"end":1005.01,"sentiment":"neutral","sentiment_score":0.030636921415434164},{"text":"Has your income increased at all?","start":1005.01,"end":1006.95,"sentiment":"neutral","sentiment_score":0.019047292259832222},{"text":"Yep.","start":1013.17,"end":1013.505,"sentiment":"neutral","sentiment_score":0.06103867292404175},{"text":"So based on the 100,000 perfect.","start":1013.745,"end":1017.425,"sentiment":"neutral","sentiment_score":0.13791548957427344}],"sentiment":"neutral","sentiment_score":0.0780183203822496,"num_words":49,"start":992.265,"end":1017.425},{"sentences":[{"text":"So based on that, the amount you could be insured at all for because income protection covers you for up to 70% of your income.","start":1017.425,"end":1024.085,"sentiment":"neutral","sentiment_score":0.1177102181315422},{"text":"That essentially means the monthly benefit needed is about 5,800 and 33.","start":1024.385,"end":1029.205,"sentiment":"neutral","sentiment_score":0.12230526842176914},{"text":"Realistically, you're just slightly under that, but these insurance policies do increase each time they go through renewal there as well.","start":1029.45,"end":1036.25,"sentiment":"neutral","sentiment_score":0.06068090757443791},{"text":"So we could look to increase that income protection policy for you, which does mean underwriting.","start":1036.25,"end":1041.47,"sentiment":"neutral","sentiment_score":0.11891810176894069},{"text":"Otherwise, we could let that go through the renewal process and have it essentially increase in value over time.","start":1042.405,"end":1048.485,"sentiment":"neutral","sentiment_score":0.1804069210039942}],"sentiment":"neutral","sentiment_score":0.11844235334184862,"num_words":93,"start":1017.425,"end":1048.485},{"sentences":[{"text":"Are you happy just to keep it increasing, or did you want me to go forward and yeah.","start":1048.485,"end":1052.985,"sentiment":"neutral","sentiment_score":0.09548348612669441},{"text":"Yeah.","start":1056.0599,"end":1056.54,"sentiment":"neutral","sentiment_score":0.13112153112888336},{"text":"Beautiful.","start":1056.54,"end":1056.94,"sentiment":"positive","sentiment_score":0.391105055809021},{"text":"Not a problem.","start":1056.94,"end":1057.58,"sentiment":"neutral","sentiment_score":0.24751628438631693},{"text":"We'll focus on the life and TBD component there.","start":1057.58,"end":1060.2999,"sentiment":"neutral","sentiment_score":0.2469697958893246}],"sentiment":"neutral","sentiment_score":0.16269394854316488,"num_words":32,"start":1048.485,"end":1060.2999},{"sentences":[{"text":"Excellent.","start":1060.2999,"end":1060.7999,"sentiment":"positive","sentiment_score":0.45030784606933594},{"text":"The other thing to sort of double check is now you don't have any other types of insurances, things like trauma, child trauma, or any policies paid out of pocket.","start":1061.5,"end":1069.76,"sentiment":"neutral","sentiment_score":0.027168789133429527},{"text":"There are lots of different insurances we can essentially have.","start":1070.225,"end":1072.9451,"sentiment":"neutral","sentiment_score":-0.06422236263751983},{"text":"Realistically, we can insure every aspect of our life that it helps me paying premiums galore.","start":1072.9451,"end":1077.845,"sentiment":"neutral","sentiment_score":0.12252386892214417},{"text":"But are you wanting to look at any additional insurances, or do you have any questions about what they are?","start":1078.545,"end":1083.8251,"sentiment":"neutral","sentiment_score":0.011038489546626807}],"sentiment":"neutral","sentiment_score":0.03641947516082943,"num_words":77,"start":1060.2999,"end":1083.8251},{"sentences":[{"text":"Or no.","start":1083.8251,"end":1086.05,"sentiment":"neutral","sentiment_score":-0.05598319508135319},{"text":"That's okay.","start":1086.05,"end":1086.9501,"sentiment":"neutral","sentiment_score":-0.02680170349776745},{"text":"Absolutely fine.","start":1087.73,"end":1089.11,"sentiment":"positive","sentiment_score":0.4807767868041992},{"text":"Beautiful.","start":1089.17,"end":1089.67,"sentiment":"positive","sentiment_score":0.5794621706008911},{"text":"Just kinda going through other circumstances we had is that you have one dependent at home.","start":1090.53,"end":1095.41,"sentiment":"neutral","sentiment_score":0.05115636356640607}],"sentiment":"neutral","sentiment_score":0.09538903322232806,"num_words":23,"start":1083.8251,"end":1095.41},{"sentences":[{"text":"Is that still correct or any changes there?","start":1095.41,"end":1097.91,"sentiment":"neutral","sentiment_score":0.0069659913424402475},{"text":"She's still there?","start":1100.0851,"end":1101.0651,"sentiment":"neutral","sentiment_score":-0.020508824847638607},{"text":"Beautiful.","start":1103.045,"end":1103.525,"sentiment":"positive","sentiment_score":0.3629277050495148},{"text":"And I'm keeping Darren down here as your next of kin.","start":1103.525,"end":1106.5651,"sentiment":"neutral","sentiment_score":0.23208448019894687},{"text":"Just double checking that that's correct.","start":1106.5651,"end":1108.505,"sentiment":"neutral","sentiment_score":0.1741835450132688}],"sentiment":"neutral","sentiment_score":0.13638481770738445,"num_words":29,"start":1095.41,"end":1108.505},{"sentences":[{"text":"Beautiful.","start":1108.645,"end":1109.145,"sentiment":"positive","sentiment_score":0.5033029913902283},{"text":"Excellent.","start":1110.245,"end":1110.745,"sentiment":"positive","sentiment_score":0.42274734377861023},{"text":"We also had it down here that you were looking to pay off the caravan and take it out after the summer when it was cooler.","start":1111.5599,"end":1117.88,"sentiment":"neutral","sentiment_score":0.07078979049737637},{"text":"That was the last time we sort of caught up.","start":1117.88,"end":1120.12,"sentiment":"neutral","sentiment_score":-0.015032319538295268},{"text":"Your caravan, is that fully debt free, or do you still have the the loan on that one?","start":1120.12,"end":1126.115,"sentiment":"neutral","sentiment_score":-0.021570151826987665}],"sentiment":"neutral","sentiment_score":0.03978569571128381,"num_words":56,"start":1108.645,"end":1126.115},{"sentences":[{"text":"Beautiful.","start":1130.015,"end":1130.515,"sentiment":"neutral","sentiment_score":0.3081137239933014},{"text":"Excellent.","start":1130.8151,"end":1131.295,"sentiment":"neutral","sentiment_score":0.24981367588043213},{"text":"And do you get out in the caravan very often?","start":1131.295,"end":1133.555,"sentiment":"neutral","sentiment_score":0.05524413976818323},{"text":"Oh, jeez.","start":1137.615,"end":1139.155,"sentiment":"neutral","sentiment_score":-0.04005309194326401},{"text":"Wow.","start":1139.2151,"end":1139.7151,"sentiment":"neutral","sentiment_score":0.01678430661559105}],"sentiment":"neutral","sentiment_score":0.06980312801897526,"num_words":15,"start":1130.015,"end":1139.7151},{"sentences":[{"text":"It's amazing how hot it gets over there so quickly, doesn't it?","start":1140.35,"end":1143.73,"sentiment":"neutral","sentiment_score":0.07485082683463891},{"text":"Wow.","start":1145.0701,"end":1145.5701,"sentiment":"neutral","sentiment_score":0.05489903688430786},{"text":"That's insane.","start":1145.79,"end":1146.43,"sentiment":"neutral","sentiment_score":0.06256355158984661},{"text":"I was thinking about going over there next year, and I was sort of thinking sort of September, October would be a good time of year.","start":1146.43,"end":1151.71,"sentiment":"neutral","sentiment_score":0.0365393957696282},{"text":"Is that the best time to visit WA?","start":1151.71,"end":1153.615,"sentiment":"neutral","sentiment_score":0.022561705322004855}],"sentiment":"neutral","sentiment_score":0.04507661213604163,"num_words":49,"start":1140.35,"end":1153.615},{"sentences":[{"text":"Yeah.","start":1153.6749,"end":1154.1749,"sentiment":"neutral","sentiment_score":-0.011434345506131647},{"text":"Yeah.","start":1156.075,"end":1156.575,"sentiment":"neutral","sentiment_score":-0.028846748173236847},{"text":"You'd say yeah.","start":1157.4349,"end":1160.875,"sentiment":"neutral","sentiment_score":-0.017226771141091984},{"text":"Right.","start":1160.875,"end":1161.375,"sentiment":"neutral","sentiment_score":0.0019279634580016136},{"text":"Do you reckon winter would be the best time to sort of head over where it's still quite hot, or what time of year is best for you guys?","start":1161.5149,"end":1167.54,"sentiment":"neutral","sentiment_score":0.014439292669553181}],"sentiment":"neutral","sentiment_score":0.009391601250639984,"num_words":35,"start":1153.6749,"end":1167.54},{"sentences":[{"text":"Yes.","start":1169.14,"end":1169.64,"sentiment":"neutral","sentiment_score":0.06911858916282654},{"text":"Yeah.","start":1171.06,"end":1171.56,"sentiment":"neutral","sentiment_score":0.04328823834657669},{"text":"Okay.","start":1171.9401,"end":1172.4401,"sentiment":"neutral","sentiment_score":0.01934913359582424},{"text":"Interesting.","start":1172.5801,"end":1173.0801,"sentiment":"neutral","sentiment_score":0.20063289999961853},{"text":"Interesting.","start":1173.4601,"end":1173.9601,"sentiment":"neutral","sentiment_score":0.20158521831035617}],"sentiment":"neutral","sentiment_score":0.10679481588304043,"num_words":5,"start":1169.14,"end":1173.9601},{"sentences":[{"text":"I like to get that kind of feedback from people who live there because it's immensely different when you sort of think about the Northern side of WA to the southern side of WA.","start":1174.02,"end":1181.62,"sentiment":"neutral","sentiment_score":0.13076255612951868},{"text":"The tension the temperatures are insane.","start":1181.62,"end":1184.225,"sentiment":"neutral","sentiment_score":0.02811468718573451},{"text":"Yeah.","start":1184.4451,"end":1184.9451,"sentiment":"neutral","sentiment_score":0.05252140387892723},{"text":"Crazy.","start":1186.525,"end":1187.025,"sentiment":"neutral","sentiment_score":0.12048165500164032},{"text":"Oh, well, hopefully, you get out in your caravan soon.","start":1187.5651,"end":1189.965,"sentiment":"neutral","sentiment_score":0.1336684688925743}],"sentiment":"neutral","sentiment_score":0.11777505344854525,"num_words":52,"start":1174.02,"end":1189.965},{"sentences":[{"text":"Do you have any trips planned or anything that you wanna do with the caravan down the 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Mackay?","start":1204.4901,"end":1205.2301,"sentiment":"neutral","sentiment_score":0.0450286939740181},{"text":"Yep.","start":1205.53,"end":1205.93,"sentiment":"neutral","sentiment_score":0.06349089741706848},{"text":"Yep.","start":1205.93,"end":1206.43,"sentiment":"neutral","sentiment_score":0.14198240637779236},{"text":"Beautiful.","start":1206.7301,"end":1207.2301,"sentiment":"positive","sentiment_score":0.4866366982460022},{"text":"That'll be fantastic.","start":1207.3701,"end":1208.43,"sentiment":"positive","sentiment_score":0.5627567172050476}],"sentiment":"neutral","sentiment_score":0.30880469270050526,"num_words":8,"start":1204.4901,"end":1208.43},{"sentences":[{"text":"And you I've got you down as being a business development manager.","start":1209.335,"end":1212.615,"sentiment":"neutral","sentiment_score":0.05481630672390262},{"text":"What sort of industry do you work in?","start":1212.615,"end":1214.635,"sentiment":"neutral","sentiment_score":0.00041433004662394524},{"text":"Okay.","start":1223.67,"end":1224.17,"sentiment":"neutral","sentiment_score":0.011924289166927338},{"text":"Okay.","start":1228.87,"end":1229.37,"sentiment":"neutral","sentiment_score":0.11247895658016203},{"text":"Fantastic.","start":1230.39,"end":1230.89,"sentiment":"positive","sentiment_score":0.35431748628616333}],"sentiment":"neutral","sentiment_score":0.04955787187361199,"num_words":23,"start":1209.335,"end":1230.89},{"sentences":[{"text":"Electrical, and I'll put you down as administration.","start":1232.23,"end":1234.33,"sentiment":"neutral","sentiment_score":0.23965127766132355},{"text":"Fantastic.","start":1234.95,"end":1235.45,"sentiment":"positive","sentiment_score":0.42834603786468506},{"text":"Excellent.","start":1236.3099,"end":1236.8099,"sentiment":"neutral","sentiment_score":0.2640136182308197},{"text":"Do you do anything anything 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it?","start":1259.01,"end":1260.47,"sentiment":"neutral","sentiment_score":0.06579919457435608},{"text":"Yeah.","start":1265.65,"end":1266.15,"sentiment":"neutral","sentiment_score":-0.05305296927690506},{"text":"Yeah.","start":1266.53,"end":1267.03,"sentiment":"neutral","sentiment_score":-0.05512843281030655},{"text":"No.","start":1267.09,"end":1267.41,"sentiment":"neutral","sentiment_score":-0.12771829962730408}],"sentiment":"neutral","sentiment_score":0.017509399726986886,"num_words":10,"start":1257.89,"end":1267.41},{"sentences":[{"text":"Understandable.","start":1267.41,"end":1267.91,"sentiment":"neutral","sentiment_score":-0.153309166431427},{"text":"Yeah.","start":1269.975,"end":1270.4551,"sentiment":"neutral","sentiment_score":0.0016872119158506391},{"text":"Absolutely.","start":1270.4551,"end":1270.9551,"sentiment":"neutral","sentiment_score":0.020157555118203163},{"text":"And are you sort of looking to move into something different when you move to Mackay, or you're sort of probably staying the same for the role?","start":1271.255,"end":1277.015,"sentiment":"neutral","sentiment_score":0.0005196841364657437},{"text":"What's your thoughts then?","start":1277.015,"end":1278.235,"sentiment":"neutral","sentiment_score":-0.01942415744997561}],"sentiment":"neutral","sentiment_score":-0.005739104632726487,"num_words":34,"start":1267.41,"end":1278.235},{"sentences":[{"text":"See what comes.","start":1282.37,"end":1283.25,"sentiment":"neutral","sentiment_score":-0.031524808456500374},{"text":"K?","start":1283.25,"end":1283.75,"sentiment":"neutral","sentiment_score":0.009241408668458462},{"text":"And that's next year.","start":1285.4099,"end":1286.61,"sentiment":"neutral","sentiment_score":0.0765877366065979},{"text":"You're looking to move to Mackay into that property?","start":1286.61,"end":1288.95,"sentiment":"neutral","sentiment_score":0.06330303889181879},{"text":"Yeah.","start":1289.57,"end":1290.07,"sentiment":"neutral","sentiment_score":0.05109620094299317}],"sentiment":"neutral","sentiment_score":0.04676897114970618,"num_words":18,"start":1282.37,"end":1290.07},{"sentences":[{"text":"Have you got, like, a plan as to when next year, or is it just sort of when it comes?","start":1291.1699,"end":1295.265,"sentiment":"neutral","sentiment_score":0.029262282745912672},{"text":"Okay.","start":1303.265,"end":1303.765,"sentiment":"neutral","sentiment_score":0.018584877252578735},{"text":"Yeah.","start":1306.0651,"end":1306.465,"sentiment":"neutral","sentiment_score":0.1690194308757782},{"text":"Beautiful.","start":1306.465,"end":1306.965,"sentiment":"positive","sentiment_score":0.5447392463684082},{"text":"And do you sort of plan to move over there first and then kind of look for a job and see how things are traveling?","start":1307.025,"end":1312.53,"sentiment":"neutral","sentiment_score":0.1210729132592678}],"sentiment":"neutral","sentiment_score":0.0905085841853482,"num_words":48,"start":1291.1699,"end":1312.53},{"sentences":[{"text":"Or yeah.","start":1312.5901,"end":1313.49,"sentiment":"neutral","sentiment_score":0.03910999558866024},{"text":"No.","start":1320.8301,"end":1321.3301,"sentiment":"neutral","sentiment_score":-0.08214131742715836},{"text":"Absolutely.","start":1322.1951,"end":1322.6951,"sentiment":"neutral","sentiment_score":0.09582331031560898},{"text":"No.","start":1323.075,"end":1323.3151,"sentiment":"neutral","sentiment_score":0.06728474050760269},{"text":"Perfect.","start":1323.3151,"end":1323.8151,"sentiment":"neutral","sentiment_score":0.2040979564189911}],"sentiment":"neutral","sentiment_score":0.060547446832060814,"num_words":6,"start":1312.5901,"end":1323.8151},{"sentences":[{"text":"And do you think you'll sort of hopefully be on about the same money when you sort of move over there and take on a similar role?","start":1323.875,"end":1330.295,"sentiment":"neutral","sentiment_score":0.037114579816935236},{"text":"Yep.","start":1334.435,"end":1334.88,"sentiment":"neutral","sentiment_score":-0.03738877922296524},{"text":"Yeah.","start":1335.4401,"end":1335.9401,"sentiment":"neutral","sentiment_score":-0.02827945351600647},{"text":"Yeah.","start":1344.96,"end":1345.46,"sentiment":"neutral","sentiment_score":0.06282990425825119},{"text":"Yeah.","start":1345.76,"end":1346.16,"sentiment":"neutral","sentiment_score":0.1032792031764984}],"sentiment":"neutral","sentiment_score":0.03556562999203321,"num_words":31,"start":1323.875,"end":1346.16},{"sentences":[{"text":"Absolutely.","start":1346.16,"end":1346.66,"sentiment":"neutral","sentiment_score":0.18149608373641968},{"text":"And, I mean, beautiful weather too and a whole different part of the country to 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work over time.","start":1359.8351,"end":1367.4501,"sentiment":"neutral","sentiment_score":0.1230154237286611},{"text":"I know we've probably gone through one of these with you there.","start":1367.4501,"end":1370.27,"sentiment":"neutral","sentiment_score":0.10268064650396506},{"text":"Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep?","start":1370.49,"end":1375.85,"sentiment":"neutral","sentiment_score":0.08829289568322045}],"sentiment":"neutral","sentiment_score":0.14462974305368131,"num_words":72,"start":1355.3551,"end":1375.85},{"sentences":[{"text":"At the moment, everything's pretty straightforward?","start":1375.85,"end":1377.87,"sentiment":"neutral","sentiment_score":0.08424481377005577},{"text":"Yeah.","start":1379.7749,"end":1380.095,"sentiment":"neutral","sentiment_score":0.0669446662068367},{"text":"That's right.","start":1380.095,"end":1380.995,"sentiment":"neutral","sentiment_score":0.10009734332561493},{"text":"That's right.","start":1381.7749,"end":1382.595,"sentiment":"neutral","sentiment_score":0.08561605960130692},{"text":"Yeah.","start":1382.975,"end":1383.215,"sentiment":"neutral","sentiment_score":0.040719978511333466}],"sentiment":"neutral","sentiment_score":0.0820466944326957,"num_words":12,"start":1375.85,"end":1383.215},{"sentences":[{"text":"That's well, I wanna do the best I can to make sure you come up with the most possible.","start":1383.215,"end":1388.0149,"sentiment":"positive","sentiment_score":0.4395672109370169},{"text":"That is for sure.","start":1388.0149,"end":1389.235,"sentiment":"positive","sentiment_score":0.4435914009809494},{"text":"The next document in there is your nearest income your nearest insurance policy.","start":1390.335,"end":1395.15,"sentiment":"neutral","sentiment_score":0.06173766748263286},{"text":"Sorry.","start":1395.15,"end":1395.55,"sentiment":"neutral","sentiment_score":0.021582866087555885},{"text":"So it does encompass your income protection as well as your current life and TPD.","start":1395.55,"end":1399.3301,"sentiment":"neutral","sentiment_score":0.12266049434741338}],"sentiment":"neutral","sentiment_score":0.24596581865961736,"num_words":52,"start":1383.215,"end":1399.3301},{"sentences":[{"text":"It just outlines a little bit more about how much you pay for those, how much you are covered for.","start":1399.55,"end":1403.81,"sentiment":"neutral","sentiment_score":0.08914867136627436},{"text":"I'll go back, as I said, and do some research to look at increasing your life and TPD components there for you as well.","start":1403.9501,"end":1409.655,"sentiment":"neutral","sentiment_score":0.14809417010595402},{"text":"Okay?","start":1409.655,"end":1410.155,"sentiment":"neutral","sentiment_score":0.07382331043481827},{"text":"Excellent.","start":1410.935,"end":1411.435,"sentiment":"positive","sentiment_score":0.5144846439361572},{"text":"The next document in there is a bit of a boring one.","start":1412.055,"end":1414.535,"sentiment":"neutral","sentiment_score":0.0052930184950431185}],"sentiment":"neutral","sentiment_score":0.10325961527896338,"num_words":58,"start":1399.55,"end":1414.535},{"sentences":[{"text":"It's our ongoing sorry.","start":1414.535,"end":1415.655,"sentiment":"neutral","sentiment_score":-0.02817599941045046},{"text":"It's our financial services guide.","start":1415.655,"end":1417.435,"sentiment":"neutral","sentiment_score":0.02533278688788414},{"text":"It does essentially outline everything about who we are, what we do, and how we do it.","start":1417.7351,"end":1421.8151,"sentiment":"neutral","sentiment_score":0.07751019277116832},{"text":"It also outlines any additional services.","start":1421.8151,"end":1423.995,"sentiment":"neutral","sentiment_score":0.0493600827952226},{"text":"So we start with super insurances, but if you did need additional advice down the track, it outlines other areas that we can advise on.","start":1424.04,"end":1430.8401,"sentiment":"neutral","sentiment_score":0.05058349564671517}],"sentiment":"neutral","sentiment_score":0.0507435281025736,"num_words":57,"start":1414.535,"end":1430.8401},{"sentences":[{"text":"So we, you know, mostly help with super insurances.","start":1430.8401,"end":1434.14,"sentiment":"neutral","sentiment_score":0.09738230539692773},{"text":"It's the main sort of area everyone's after trying to build.","start":1434.2001,"end":1437.0449,"sentiment":"neutral","sentiment_score":0.12537141821601175},{"text":"We all work really hard for thirty or forty years, so we wanna 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well.","start":1450.9601,"end":1459.28,"sentiment":"neutral","sentiment_score":0.1357189632420029},{"text":"Okay?","start":1459.28,"end":1459.78,"sentiment":"neutral","sentiment_score":0.0807969868183136},{"text":"Excellent.","start":1460.64,"end":1461.14,"sentiment":"positive","sentiment_score":0.3849214911460877},{"text":"The last document in there is the ongoing service agreement there.","start":1461.92,"end":1465.28,"sentiment":"neutral","sentiment_score":0.11937941339882938},{"text":"So, essentially, you are on an ongoing service fee of 1.10% that allows us to look after your super.","start":1465.28,"end":1472.005,"sentiment":"neutral","sentiment_score":0.16534732282161713}],"sentiment":"neutral","sentiment_score":0.14534370216230552,"num_words":60,"start":1450.9601,"end":1472.005},{"sentences":[{"text":"Keep updating advice as well.","start":1472.005,"end":1473.605,"sentiment":"neutral","sentiment_score":0.2609467297792435},{"text":"We don't charge any implementation fees for looking after your super.","start":1473.605,"end":1477.385,"sentiment":"neutral","sentiment_score":0.1686856211586432},{"text":"And updating the advice is all part of this ongoing service agreement.","start":1477.605,"end":1481.065,"sentiment":"neutral","sentiment_score":0.18902174880107245},{"text":"And because yourself and Darren are both clients, you're on a lower fee of 1.10%.","start":1481.2699,"end":1485.9099,"sentiment":"neutral","sentiment_score":0.20897478262583416},{"text":"So down the track, that could all change.","start":1485.9099,"end":1488.07,"sentiment":"neutral","sentiment_score":0.12121326010674238}],"sentiment":"neutral","sentiment_score":0.1869189075979532,"num_words":51,"start":1472.005,"end":1488.07},{"sentences":[{"text":"But right now, this is where we're at.","start":1488.07,"end":1489.47,"sentiment":"neutral","sentiment_score":0.08542356453835964},{"text":"We're not changing anything for yourself.","start":1489.47,"end":1491.2699,"sentiment":"neutral","sentiment_score":-0.08499931124970317},{"text":"We just wanna make sure your sleep is working as hard as possible for you so that after you've worked your lifetime, you can enjoy the rest of your years in retirement, drawing an income, and hopefully traveling as much as you possibly can as well.","start":1491.2699,"end":1504.015,"sentiment":"neutral","sentiment_score":0.26308449584504834},{"text":"Yeah.","start":1504.9551,"end":1505.4551,"sentiment":"positive","sentiment_score":0.3558725118637085},{"text":"Once you've kinda gone through those, I will ask that you sign and return that one back for us.","start":1505.995,"end":1509.85,"sentiment":"neutral","sentiment_score":0.31735003151391683}],"sentiment":"neutral","sentiment_score":0.23326003210386262,"num_words":80,"start":1488.07,"end":1509.85},{"sentences":[{"text":"It's just allowing us to continue looking after everything and updating the advice for you as 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records.","start":1524.755,"end":1526.915,"sentiment":"neutral","sentiment_score":0.15534043312072754},{"text":"We let you know we do hold your tax file number because we serve your life insurance and your super funds.","start":1526.915,"end":1532.3551,"sentiment":"neutral","sentiment_score":0.17120409366630374},{"text":"So this is outlining how and why we do so, and we are very security conscious.","start":1532.3551,"end":1536.57,"sentiment":"neutral","sentiment_score":0.11594458390027285},{"text":"There's a lot going on in the world at the moment with the different security issues.","start":1536.63,"end":1540.47,"sentiment":"neutral","sentiment_score":-0.00886073149740696}],"sentiment":"neutral","sentiment_score":0.11101536679527034,"num_words":69,"start":1523.4751,"end":1540.47},{"sentences":[{"text":"So we always call when we call you or you call us, we're always through security, making sure that we're protecting your identity and not providing any information to anyone that we shouldn't be.","start":1540.47,"end":1549.4299,"sentiment":"neutral","sentiment_score":-0.022397055454990444},{"text":"So these info these documents here just kinda outline that for you.","start":1549.4299,"end":1553.4451,"sentiment":"neutral","sentiment_score":0.08287323825061321},{"text":"Once you've gone through those, this is the same as DocuSign.","start":1554.0651,"end":1557.605,"sentiment":"neutral","sentiment_score":0.08987061002037743},{"text":"It's OdooSign.","start":1557.665,"end":1558.405,"sentiment":"neutral","sentiment_score":0.13649672269821167},{"text":"It actually allows you to sign the documents.","start":1558.625,"end":1560.545,"sentiment":"neutral","sentiment_score":0.14928149245679379}],"sentiment":"neutral","sentiment_score":0.040131359236009086,"num_words":67,"start":1540.47,"end":1560.545},{"sentences":[{"text":"So once you've gone through, just click on the signature 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know.","start":1596.63,"end":1600.25,"sentiment":"neutral","sentiment_score":0.16884301488216108},{"text":"Yep.","start":1601.19,"end":1601.69,"sentiment":"neutral","sentiment_score":0.2928961515426636},{"text":"Beautiful.","start":1601.75,"end":1602.25,"sentiment":"positive","sentiment_score":0.6133437752723694},{"text":"Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably?","start":1602.7899,"end":1608.8099,"sentiment":"neutral","sentiment_score":0.12723320350050926}],"sentiment":"neutral","sentiment_score":0.159924207453398,"num_words":47,"start":1594.95,"end":1608.8099},{"sentences":[{"text":"Oh, absolutely.","start":1614.835,"end":1615.735,"sentiment":"neutral","sentiment_score":-0.14505098387598991},{"text":"Yeah.","start":1616.355,"end":1616.835,"sentiment":"neutral","sentiment_score":-0.17205506563186646},{"text":"Definitely.","start":1616.835,"end":1617.335,"sentiment":"neutral","sentiment_score":-0.15462063252925873},{"text":"I know.","start":1619.315,"end":1620.055,"sentiment":"neutral","sentiment_score":-0.09453308209776878},{"text":"I know.","start":1620.515,"end":1621.175,"sentiment":"neutral","sentiment_score":-0.11283465102314948}],"sentiment":"neutral","sentiment_score":-0.1289391415193677,"num_words":8,"start":1614.835,"end":1621.175},{"sentences":[{"text":"It's insane, isn't 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years.","start":1629.97,"end":1640.805,"sentiment":"neutral","sentiment_score":0.10310178351673213},{"text":"And we draw up a whole different plan to sort of look at what that does, how that looks.","start":1641.125,"end":1645.625,"sentiment":"neutral","sentiment_score":0.11605755318152278},{"text":"Right now, we're just wanting to make as much as we can in the super and have that grow as high as possible for you.","start":1645.685,"end":1651.25,"sentiment":"neutral","sentiment_score":0.25702801525592806},{"text":"Okay.","start":1651.39,"end":1651.89,"sentiment":"neutral","sentiment_score":0.1421666443347931},{"text":"Excellent.","start":1653.31,"end":1653.81,"sentiment":"positive","sentiment_score":0.5254089832305908}],"sentiment":"neutral","sentiment_score":0.15372053326831925,"num_words":90,"start":1629.97,"end":1653.81},{"sentences":[{"text":"Now I can I know you've got a lot going on with the newer property of this purchase and also moving next 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wanting.","start":1677.5499,"end":1681.8099,"sentiment":"neutral","sentiment_score":0.012208884412592108},{"text":"The most common way is salary sacrifice, which is essentially helping to pay less income tax where your employer puts a little bit extra out of your pretax income into super.","start":1682.2699,"end":1693.125,"sentiment":"neutral","sentiment_score":0.08957740352038414},{"text":"You can also do it as a, like, a deductible contribution one off, which gives you a tax deduction.","start":1693.125,"end":1698.005,"sentiment":"neutral","sentiment_score":0.14584516302535408},{"text":"So as an example, if you had, you know, a spare 5,000 and you wanted to put that into super, to help give you a bit of a tax deduction, that would be transferred into super.","start":1698.005,"end":1707.9,"sentiment":"neutral","sentiment_score":0.214009462752276},{"text":"We will claim a notice of 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me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you.","start":1731.285,"end":1746.0599,"sentiment":"neutral","sentiment_score":0.2824812106928735}],"sentiment":"positive","sentiment_score":0.38800261427055704,"num_words":110,"start":1709.5,"end":1746.0599},{"sentences":[{"text":"That way, we can have that conversation, talk about what space you have, what you're after, and whether you wanna make that kind of a contribution.","start":1746.0599,"end":1753.005,"sentiment":"neutral","sentiment_score":0.23561477145323387},{"text":"Does that sound okay?","start":1753.145,"end":1754.205,"sentiment":"neutral","sentiment_score":0.2143939882516861},{"text":"Yeah.","start":1756.025,"end":1756.525,"sentiment":"neutral","sentiment_score":0.24257051944732663},{"text":"Yeah.","start":1758.425,"end":1758.925,"sentiment":"neutral","sentiment_score":0.2582312226295471},{"text":"Absolutely.","start":1759.865,"end":1760.365,"sentiment":"neutral","sentiment_score":0.3238101303577423}],"sentiment":"neutral","sentiment_score":0.23661126918864972,"num_words":33,"start":1746.0599,"end":1760.365},{"sentences":[{"text":"The other way of doing it is a non concessional.","start":1761.145,"end":1763.9,"sentiment":"neutral","sentiment_score":0.11621753871440887},{"text":"This is an after tax contribution to still put the money in out of your bank account.","start":1763.96,"end":1768.86,"sentiment":"neutral","sentiment_score":0.07367118623326807},{"text":"The government, if you are within a certain tax bracket, which at the moment your income is slightly higher than the requirement, They can sort of give you what's called a government co contribution, but your income's a bit high for that.","start":1769.4,"end":1782.5651,"sentiment":"neutral","sentiment_score":0.0027336222784859793},{"text":"It's more meant for lower income earners who are contributing additional money to super, and they don't match it dollar for dollar.","start":1782.5651,"end":1788.885,"sentiment":"neutral","sentiment_score":-0.022732250842223453},{"text":"They have a cap.","start":1788.885,"end":1789.685,"sentiment":"neutral","sentiment_score":-0.08367823716253042}],"sentiment":"neutral","sentiment_score":0.01783763391186336,"num_words":95,"start":1761.145,"end":1789.685},{"sentences":[{"text":"It's no more than 500 for the year, and you've gotta make a contribution of at least a thousand dollars.","start":1789.685,"end":1795.54,"sentiment":"neutral","sentiment_score":0.08847505915910006},{"text":"So it's more just about helping to boost lower income earners to put more into that super.","start":1795.54,"end":1800.12,"sentiment":"neutral","sentiment_score":0.32641204490381126},{"text":"It used to be dollar for dollar, but it's not anymore.","start":1800.5,"end":1802.66,"sentiment":"neutral","sentiment_score":-0.10793883319605481},{"text":"It's a shame, really.","start":1802.66,"end":1803.46,"sentiment":"negative","sentiment_score":-0.6729986071586609},{"text":"I'm sure they could afford it.","start":1803.46,"end":1804.66,"sentiment":"neutral","sentiment_score":-0.2740703870852788}],"sentiment":"neutral","sentiment_score":0.0309441729352392,"num_words":58,"start":1789.685,"end":1804.66},{"sentences":[{"text":"So yeah.","start":1804.66,"end":1811.105,"sentiment":"neutral","sentiment_score":0.041268838569521904},{"text":"Absolutely.","start":1811.105,"end":1811.605,"sentiment":"neutral","sentiment_score":0.2897590398788452},{"text":"I'll pop some in your calendar to make sure I update that with you.","start":1811.6649,"end":1814.705,"sentiment":"neutral","sentiment_score":0.20759691510881698},{"text":"Not a problem at all.","start":1814.705,"end":1815.9049,"sentiment":"neutral","sentiment_score":0.24345214366912843},{"text":"Beautiful.","start":1815.9049,"end":1816.4049,"sentiment":"positive","sentiment_score":0.6532044410705566}],"sentiment":"neutral","sentiment_score":0.22387472556337065,"num_words":23,"start":1804.66,"end":1816.4049},{"sentences":[{"text":"I've got down here other goals are that you're looking to move next year to Mackay and that you'll be renting your current main primary residence out.","start":1817.345,"end":1824.38,"sentiment":"neutral","sentiment_score":0.17293857700294918},{"text":"Do you have any other goals that you're looking to achieve over the next couple of years at all?","start":1825.0801,"end":1829.3201,"sentiment":"neutral","sentiment_score":0.007536491722260651},{"text":"Or No.","start":1829.3201,"end":1834.265,"sentiment":"neutral","sentiment_score":-0.190730020403862},{"text":"Yeah.","start":1838.165,"end":1838.665,"sentiment":"neutral","sentiment_score":-0.05333241820335388},{"text":"Absolutely.","start":1840.245,"end":1840.745,"sentiment":"positive","sentiment_score":0.4358409643173218}],"sentiment":"neutral","sentiment_score":0.09627166854217649,"num_words":50,"start":1817.345,"end":1840.745},{"sentences":[{"text":"Fantastic.","start":1841.285,"end":1841.785,"sentiment":"positive","sentiment_score":0.5569591522216797},{"text":"And just sort of looking to see if there's anything else.","start":1843.2051,"end":1846.645,"sentiment":"neutral","sentiment_score":0.2251632349057631},{"text":"Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week.","start":1846.645,"end":1857.6599,"sentiment":"neutral","sentiment_score":0.11581593028762761},{"text":"When would be preferable for them to give you a call to be able to do a quick pre assessment with you?","start":1857.72,"end":1861.96,"sentiment":"neutral","sentiment_score":0.09220486862415617},{"text":"Just so when we're updating the advice, we understand what kind of insurance contract may be offered.","start":1861.96,"end":1866.595,"sentiment":"neutral","sentiment_score":0.030443778371109682}],"sentiment":"neutral","sentiment_score":0.1119711495059378,"num_words":85,"start":1841.285,"end":1866.595},{"sentences":[{"text":"K.","start":1871.615,"end":1872.115,"sentiment":"neutral","sentiment_score":0.09937065094709396},{"text":"Okay.","start":1872.975,"end":1873.475,"sentiment":"neutral","sentiment_score":0.13233155012130737},{"text":"Yeah.","start":1873.615,"end":1874.095,"sentiment":"neutral","sentiment_score":0.2004992961883545},{"text":"Perfect.","start":1874.095,"end":1874.595,"sentiment":"positive","sentiment_score":0.3824452161788941},{"text":"Not a problem at all.","start":1875.135,"end":1876.59,"sentiment":"neutral","sentiment_score":0.1653863400220871}],"sentiment":"neutral","sentiment_score":0.1823976015051206,"num_words":9,"start":1871.615,"end":1876.59},{"sentences":[{"text":"I'll pop it in the calendar.","start":1877.23,"end":1879.01,"sentiment":"neutral","sentiment_score":0.19412732869386673},{"text":"Sorry.","start":1879.07,"end":1879.39,"sentiment":"neutral","sentiment_score":0.031921371817588806},{"text":"I'm just double checking the calendar.","start":1879.39,"end":1881.1699,"sentiment":"neutral","sentiment_score":0.03619146098693212},{"text":"Give me one second.","start":1882.83,"end":1883.89,"sentiment":"neutral","sentiment_score":0.04676874075084925},{"text":"Okay.","start":1895.565,"end":1896.065,"sentiment":"neutral","sentiment_score":0.10229389369487762}],"sentiment":"neutral","sentiment_score":0.09462238703336981,"num_words":18,"start":1877.23,"end":1896.065},{"sentences":[{"text":"It's loading for me.","start":1897.005,"end":1898.0449,"sentiment":"neutral","sentiment_score":0.13180530443787575},{"text":"Here we go.","start":1898.0449,"end":1898.845,"sentiment":"neutral","sentiment_score":0.17509638766447702},{"text":"Perfect.","start":1898.845,"end":1899.325,"sentiment":"neutral","sentiment_score":0.3151020407676697},{"text":"Alright.","start":1899.325,"end":1899.825,"sentiment":"neutral","sentiment_score":0.15553247928619385},{"text":"So Monday here is the king's birthday for us, but I could definitely do maybe Tuesday next week.","start":1899.965,"end":1906.75,"sentiment":"neutral","sentiment_score":0.12617201399472025}],"sentiment":"neutral","sentiment_score":0.14052745010013934,"num_words":27,"start":1897.005,"end":1906.75},{"sentences":[{"text":"Would that be okay, the same time?","start":1906.75,"end":1908.69,"sentiment":"neutral","sentiment_score":0.06906141979353768},{"text":"Fantastic.","start":1910.4299,"end":1910.9299,"sentiment":"positive","sentiment_score":0.48601892590522766},{"text":"I'll pop that one in there, and my colleague, Caden, will give you a call.","start":1910.99,"end":1914.13,"sentiment":"neutral","sentiment_score":0.2661864787340164},{"text":"I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and sorta give you an idea of what the expectation is with increasing the insurances.","start":1914.19,"end":1924.555,"sentiment":"neutral","sentiment_score":0.14148185467347502},{"text":"Okay?","start":1925.015,"end":1925.515,"sentiment":"neutral","sentiment_score":0.08727329969406128}],"sentiment":"neutral","sentiment_score":0.16732489893911406,"num_words":64,"start":1906.75,"end":1925.515},{"sentences":[{"text":"Fantastic.","start":1927.3351,"end":1927.8351,"sentiment":"positive","sentiment_score":0.8043787479400635},{"text":"Excellent.","start":1928.2151,"end":1928.615,"sentiment":"positive","sentiment_score":0.7875548005104065},{"text":"And then after that call, he'll book in your advice presentation for a few weeks after that to make it easier for you.","start":1928.615,"end":1934.49,"sentiment":"positive","sentiment_score":0.4111682306165281},{"text":"Okay?","start":1934.49,"end":1934.99,"sentiment":"neutral","sentiment_score":0.07116501778364182},{"text":"Excellent.","start":1936.25,"end":1936.75,"sentiment":"positive","sentiment_score":0.44111043214797974}],"sentiment":"positive","sentiment_score":0.42818808528008284,"num_words":27,"start":1927.3351,"end":1936.75},{"sentences":[{"text":"The only other thing to sort of double check is have you got a will power of attorney documents in place?","start":1937.2899,"end":1942.1699,"sentiment":"neutral","sentiment_score":0.025673009189111844},{"text":"Have you ever seen a solicitor and drawn up those sorts of documents in the past?","start":1942.1699,"end":1945.725,"sentiment":"neutral","sentiment_score":-0.01024570275330916},{"text":"Yeah.","start":1950.365,"end":1950.865,"sentiment":"neutral","sentiment_score":-0.025790337473154068},{"text":"Okay.","start":1951.485,"end":1951.985,"sentiment":"neutral","sentiment_score":0.0026691509410738945},{"text":"Yeah.","start":1956.765,"end":1957.265,"sentiment":"neutral","sentiment_score":0.0031521725468337536}],"sentiment":"neutral","sentiment_score":0.008880823373328895,"num_words":40,"start":1937.2899,"end":1957.265},{"sentences":[{"text":"That's okay.","start":1957.725,"end":1958.625,"sentiment":"neutral","sentiment_score":0.046886058524250984},{"text":"Oh, beautiful.","start":1962.69,"end":1963.49,"sentiment":"positive","sentiment_score":0.43136295676231384},{"text":"So you've got all those documents done.","start":1963.49,"end":1964.9299,"sentiment":"neutral","sentiment_score":0.31788563302585054},{"text":"You just did the the the ones in the post office to make it easier.","start":1964.9299,"end":1968.71,"sentiment":"neutral","sentiment_score":0.2674929757912954},{"text":"Yeah.","start":1969.09,"end":1969.59,"sentiment":"neutral","sentiment_score":0.08211658149957657}],"sentiment":"neutral","sentiment_score":0.2694892103749293,"num_words":27,"start":1957.725,"end":1969.59},{"sentences":[{"text":"Absolutely.","start":1969.73,"end":1970.23,"sentiment":"neutral","sentiment_score":0.17489776015281677},{"text":"No.","start":1971.09,"end":1971.33,"sentiment":"neutral","sentiment_score":0.1165625900030136},{"text":"That's okay.","start":1971.33,"end":1972.0499,"sentiment":"neutral","sentiment_score":0.16100593656301498},{"text":"That's not a problem at all.","start":1972.0499,"end":1973.41,"sentiment":"neutral","sentiment_score":0.3045801371335983},{"text":"Fantastic.","start":1973.41,"end":1973.91,"sentiment":"positive","sentiment_score":0.5648899078369141}],"sentiment":"neutral","sentiment_score":0.2732584503563968,"num_words":11,"start":1969.73,"end":1973.91},{"sentences":[{"text":"Now the last thing I wanted to run through with you is just an updated risk profile just to make sure that you are invested correctly and that your risk appetite hasn't changed at all.","start":1974.575,"end":1982.995,"sentiment":"neutral","sentiment_score":0.0819827632180282},{"text":"The the same as that you what you have sort of answered over the last couple of years, which makes it easy for you.","start":1983.775,"end":1989.3,"sentiment":"neutral","sentiment_score":0.1539176180958748},{"text":"The first one here is have you ever owned any shares?","start":1989.62,"end":1992.1001,"sentiment":"neutral","sentiment_score":0.0010471497239036994},{"text":"I've got down that you've never owned shares or investments in your own name.","start":1992.1001,"end":1995.64,"sentiment":"neutral","sentiment_score":-0.03871186463428395},{"text":"You don't own any shares or cryptocurrency or anything?","start":1995.78,"end":1998.52,"sentiment":"neutral","sentiment_score":-0.06523408471710151}],"sentiment":"neutral","sentiment_score":0.05855769168345198,"num_words":93,"start":1974.575,"end":1998.52},{"sentences":[{"text":"No?","start":1999.7001,"end":2000.02,"sentiment":"neutral","sentiment_score":-0.08576436340808868},{"text":"That's okay.","start":2000.02,"end":2000.92,"sentiment":"neutral","sentiment_score":-0.04309192858636379},{"text":"The next one here, I'll tick off for you because you have longer than ten years ahead of you before being able to access super.","start":2001.5549,"end":2007.2549,"sentiment":"neutral","sentiment_score":0.011457424089312553},{"text":"The next question here is about inflation, and it says, how much risk do you feel comfortable taking to make sure your returns are keeping up with inflation over the longer term?","start":2007.955,"end":2016.855,"sentiment":"neutral","sentiment_score":-0.04240547429071739},{"text":"Are you comfortable taking on a higher level of risk to obtain greater potential returns that over time beat inflation?","start":2017.11,"end":2023.93,"sentiment":"neutral","sentiment_score":0.007489625737071038}],"sentiment":"neutral","sentiment_score":-0.013658691011369229,"num_words":80,"start":1999.7001,"end":2023.93},{"sentences":[{"text":"You may be comfortable with a moderate or medium amount of risk to, again, try to get the best returns possible, or are you not comfortable taking risk and understand the returns are lower because of that?","start":2024.63,"end":2034.855,"sentiment":"neutral","sentiment_score":-0.07787693271765837},{"text":"Where do you think you fit?","start":2034.855,"end":2036.235,"sentiment":"neutral","sentiment_score":-0.07820166585346063},{"text":"Yep.","start":2039.095,"end":2039.575,"sentiment":"neutral","sentiment_score":0.2809544801712036},{"text":"Beautiful.","start":2039.575,"end":2040.075,"sentiment":"positive","sentiment_score":0.6728701591491699},{"text":"Excellent.","start":2040.215,"end":2040.715,"sentiment":"positive","sentiment_score":0.6625397205352783}],"sentiment":"neutral","sentiment_score":-0.03770200316996678,"num_words":46,"start":2024.63,"end":2040.715},{"sentences":[{"text":"The next one here, it says that if in six months after changing or altering your portfolio or if you look down six months down the track and we saw due to what was happening in the markets, generally, the portfolio fell by 20%, how might you be feeling?","start":2041.75,"end":2054.73,"sentiment":"neutral","sentiment_score":-0.07905445593808379},{"text":"Are you possibly thinking it's an investment opportunity?","start":2055.115,"end":2057.595,"sentiment":"neutral","sentiment_score":-0.08034576755017042},{"text":"We'll put some more money into the dip and take advantage of that.","start":2057.595,"end":2061.115,"sentiment":"neutral","sentiment_score":-0.024637038318010476},{"text":"Are you a bit concerned, maybe holding and waiting, calling us, or are you really scared and wanting to move your money into cash?","start":2061.115,"end":2067.915,"sentiment":"neutral","sentiment_score":-0.1911218079427878},{"text":"How do you think you might react?","start":2067.915,"end":2069.455,"sentiment":"neutral","sentiment_score":-0.13163562544754573}],"sentiment":"neutral","sentiment_score":-0.10242662126991418,"num_words":101,"start":2041.75,"end":2069.455},{"sentences":[{"text":"Not a bad thing.","start":2075.1,"end":2076.1602,"sentiment":"neutral","sentiment_score":-0.15811683982610703},{"text":"Do you think maybe you'd hold and wait and maybe call us and have a chat to see what we think you do?","start":2079.5,"end":2084.32,"sentiment":"neutral","sentiment_score":-0.09280586955340012},{"text":"Yep.","start":2084.655,"end":2085.155,"sentiment":"neutral","sentiment_score":-0.01770908758044243},{"text":"That's okay.","start":2087.455,"end":2088.2751,"sentiment":"neutral","sentiment_score":0.06403406709432602},{"text":"Absolutely fine.","start":2088.575,"end":2089.795,"sentiment":"neutral","sentiment_score":0.11173215880990028}],"sentiment":"neutral","sentiment_score":-0.0760368435876444,"num_words":32,"start":2075.1,"end":2089.795},{"sentences":[{"text":"The last one I have here is thinking about investments.","start":2090.415,"end":2094.035,"sentiment":"neutral","sentiment_score":0.02375461030751467},{"text":"Have you ever thought about borrowing to invest in shares or manage funds, or have you only ever wanted and or borrowed for property?","start":2094.335,"end":2101.42,"sentiment":"neutral","sentiment_score":0.0078960582613945},{"text":"Yeah.","start":2107.56,"end":2108.06,"sentiment":"neutral","sentiment_score":-0.028359202668070793},{"text":"Yeah.","start":2113.075,"end":2113.475,"sentiment":"neutral","sentiment_score":0.14139428734779358},{"text":"Absolutely.","start":2113.475,"end":2113.975,"sentiment":"neutral","sentiment_score":0.2516350746154785}],"sentiment":"neutral","sentiment_score":0.021397882720103133,"num_words":37,"start":2090.415,"end":2113.975},{"sentences":[{"text":"Well, down the track, you're welcome to let me know.","start":2114.0352,"end":2115.955,"sentiment":"positive","sentiment_score":0.3355111315846443},{"text":"We can absolutely help and advise in that area.","start":2115.955,"end":2118.215,"sentiment":"positive","sentiment_score":0.4594181577364604},{"text":"It is also a great way to sort of think about with your investment properties and other investments in say shares or portfolio similar to your super.","start":2118.2751,"end":2125.575,"sentiment":"neutral","sentiment_score":0.27493838800324333},{"text":"Those sorts of things can grow over time.","start":2125.8398,"end":2127.52,"sentiment":"neutral","sentiment_score":0.17393511428963393},{"text":"And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well.","start":2127.52,"end":2136.24,"sentiment":"neutral","sentiment_score":0.12190357811989323}],"sentiment":"neutral","sentiment_score":0.2362788593834814,"num_words":85,"start":2114.0352,"end":2136.24},{"sentences":[{"text":"So down the track, we can always have those conversations and assist you.","start":2136.24,"end":2140.065,"sentiment":"neutral","sentiment_score":0.07577140571979377},{"text":"Absolutely.","start":2140.065,"end":2140.565,"sentiment":"positive","sentiment_score":0.3364031910896301},{"text":"Beautiful.","start":2140.865,"end":2141.365,"sentiment":"positive","sentiment_score":0.6298352479934692},{"text":"Now at the moment, you've scored it as a high growth investor.","start":2142.385,"end":2145.265,"sentiment":"neutral","sentiment_score":0.3002227805554867},{"text":"We currently have you in a high growth environment.","start":2145.265,"end":2147.685,"sentiment":"neutral","sentiment_score":0.17308371596866184}],"sentiment":"neutral","sentiment_score":0.1975470423284504,"num_words":36,"start":2136.24,"end":2147.685},{"sentences":[{"text":"That sees 90% of your super invested in growth assets.","start":2147.7449,"end":2151.185,"sentiment":"neutral","sentiment_score":0.16088773906230927},{"text":"So think about things like Australian shares, international shares, listed property, and commodities.","start":2151.185,"end":2155.76,"sentiment":"neutral","sentiment_score":0.08686028650173774},{"text":"And then the other sort of 10% in low risk defensive investments like cash, bonds, and fixed interest there.","start":2156.3801,"end":2162.8,"sentiment":"neutral","sentiment_score":0.05029930605700141},{"text":"This sort of environment you're looking to obtain anywhere between sort of a 10 to 12% return on a yearly basis, you are taking more risk in the market.","start":2162.94,"end":2171.095,"sentiment":"neutral","sentiment_score":-0.015121378646842364},{"text":"So we do understand a negative return is likely sort of one in every six years.","start":2171.095,"end":2175.1948,"sentiment":"neutral","sentiment_score":-0.235562433488667}],"sentiment":"neutral","sentiment_score":-0.005905413636188397,"num_words":87,"start":2147.7449,"end":2175.1948},{"sentences":[{"text":"Do you feel comfortable staying in this environment?","start":2175.335,"end":2177.575,"sentiment":"neutral","sentiment_score":-0.12010139506310225},{"text":"You said you were happy for another twelve months.","start":2177.575,"end":2179.4148,"sentiment":"neutral","sentiment_score":0.045669328007433146},{"text":"Is that accurate?","start":2179.4148,"end":2180.2349,"sentiment":"neutral","sentiment_score":0.06603133678436279},{"text":"Yep.","start":2181.74,"end":2182.0598,"sentiment":"neutral","sentiment_score":0.1680552065372467},{"text":"Beautiful.","start":2182.0598,"end":2182.46,"sentiment":"positive","sentiment_score":0.5386765003204346}],"sentiment":"neutral","sentiment_score":0.016138114035129547,"num_words":22,"start":2175.335,"end":2182.46},{"sentences":[{"text":"It definitely suits your time horizon because you have more than ten years ahead of you.","start":2182.46,"end":2186.7998,"sentiment":"neutral","sentiment_score":0.30961099453270435},{"text":"This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that.","start":2187.02,"end":2192.22,"sentiment":"neutral","sentiment_score":0.14378042314201595},{"text":"So it does set your time horizon.","start":2192.22,"end":2194.0598,"sentiment":"neutral","sentiment_score":0.1599108683211463},{"text":"You've got the risk capacity there.","start":2194.0598,"end":2195.835,"sentiment":"neutral","sentiment_score":0.12380088865756989},{"text":"You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment.","start":2196.075,"end":2201.435,"sentiment":"neutral","sentiment_score":0.24062655238728775}],"sentiment":"neutral","sentiment_score":0.20975691589581616,"num_words":68,"start":2182.46,"end":2201.435},{"sentences":[{"text":"I'll just alter your portfolio to remove some underperforming investments and also look at your insurances, and we'll look at how that's tracking over the next five to ten years.","start":2201.435,"end":2210.095,"sentiment":"neutral","sentiment_score":0.06275617641707261},{"text":"And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution.","start":2210.1802,"end":2217.4001,"sentiment":"neutral","sentiment_score":0.11813884973526001},{"text":"How does that sound?","start":2217.54,"end":2218.6802,"sentiment":"neutral","sentiment_score":0.08650538511574268},{"text":"Yep.","start":2219.4602,"end":2219.9602,"sentiment":"neutral","sentiment_score":0.2518848776817322},{"text":"Beautiful.","start":2220.34,"end":2220.84,"sentiment":"positive","sentiment_score":0.501646101474762}],"sentiment":"neutral","sentiment_score":0.09796804372989942,"num_words":63,"start":2201.435,"end":2220.84},{"sentences":[{"text":"I'll also get your beneficiaries up to date, prefilled, and sent out to you by email.","start":2221.2202,"end":2225.425,"sentiment":"positive","sentiment_score":0.3426669351756573},{"text":"I'll get my team to follow through with that tomorrow for you.","start":2225.425,"end":2228.2449,"sentiment":"neutral","sentiment_score":0.29166023433208466},{"text":"Is there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you?","start":2228.465,"end":2234.005,"sentiment":"neutral","sentiment_score":0.10328844158599775},{"text":"No?","start":2235.95,"end":2236.3499,"sentiment":"neutral","sentiment_score":0.1845981776714325},{"text":"Beautiful.","start":2236.3499,"end":2236.8499,"sentiment":"positive","sentiment_score":0.6327782869338989}],"sentiment":"neutral","sentiment_score":0.22738690439749648,"num_words":54,"start":2221.2202,"end":2236.8499},{"sentences":[{"text":"Thank you so much.","start":2236.99,"end":2237.8699,"sentiment":"positive","sentiment_score":0.69850654900074},{"text":"So what I'll do is I'll let you go, and I'll get stuck into the research there.","start":2237.8699,"end":2241.17,"sentiment":"neutral","sentiment_score":0.2852979679318035},{"text":"My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you as well.","start":2241.63,"end":2247.23,"sentiment":"neutral","sentiment_score":0.20279255935123988},{"text":"And if you find you have any questions in the meantime, let me know.","start":2247.23,"end":2250.45,"sentiment":"neutral","sentiment_score":0.2825232009802546},{"text":"And if you can just sign and return that audio sign, that would be fabulous.","start":2250.615,"end":2253.9949,"sentiment":"neutral","sentiment_score":0.2590157667795817}],"sentiment":"neutral","sentiment_score":0.2780746015864359,"num_words":71,"start":2236.99,"end":2253.9949},{"sentences":[{"text":"Okay?","start":2254.215,"end":2254.715,"sentiment":"neutral","sentiment_score":0.22060498595237732},{"text":"My pleasure, Lisa.","start":2256.615,"end":2257.655,"sentiment":"positive","sentiment_score":0.8027976353963217},{"text":"Have a great afternoon.","start":2257.655,"end":2258.615,"sentiment":"positive","sentiment_score":0.7893854677677155},{"text":"Enjoy the rest of your public holiday.","start":2258.615,"end":2260.235,"sentiment":"positive","sentiment_score":0.5349457391670772},{"text":"Thank you.","start":2262.375,"end":2262.935,"sentiment":"positive","sentiment_score":0.6203422248363495}],"sentiment":"positive","sentiment_score":0.6336379051208496,"num_words":17,"start":2254.215,"end":2262.935},{"sentences":[{"text":"Talk soon.","start":2262.935,"end":2263.4949,"sentiment":"positive","sentiment_score":0.3591442108154297},{"text":"See you later.","start":2263.4949,"end":2264.315,"sentiment":"neutral","sentiment_score":0.31042317549387616},{"text":"Bye.","start":2264.375,"end":2264.875,"sentiment":"neutral","sentiment_score":0.17275965213775635}],"sentiment":"neutral","sentiment_score":0.30371960004170734,"num_words":6,"start":2262.935,"end":2264.875}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thank you. Yourself? Yep. Yep. Absolutely. Oh, yeah. Not too bad. We're on a public holiday here in Western Australia. So yes. The king's birthday? Yeah. Next week. Yeah. Yeah. Yeah. Yep. Sure. Yeah. It's 4 Ridley Street in Bolgara, and my full name is Lisa McAlone. And sorry. What else did you mean? My phone number. Oh, sorry. Twenty thirty first nineteen eighty two. Yeah. I can do. Yep. Yep. Yep. Yes. Exactly. Dana. Yep. There it is. Yep. Yep. Yep. Oh, yep. Summary of 50 or annuation. Yep. Summary. Yep. Mhmm. Mhmm. Mhmm. Yep. Uh-huh. Yep. Mhmm. Yep. Uh-huh. Yep. Yep. No. Let's give it a crack. I mean, freaking hell of a way to government changes the bottle. You can get this money by the time I could retire. So Yeah. Yeah. Yeah. I'll give it a go for the next twelve months. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yeah. Potentially, can we put it up to around the 1.5? Because we have recently bought another property just to make sure my family's okay if anything happens. So Yes. That would so that would cover the loans, but I don't know how much. It probably wouldn't give them much in cash, so maybe we should do it at 2,000,000, to be honest. Yep. Yep. Yeah. Yeah. Yeah. Yeah. What is the cost gonna be a year? Do would you know? Or you just you have to come back to yeah. Yep. Yep. Yep. Yep. Sounds good. Yeah. 1.8 to 2,000,000. So yep. And I know I've got my beneficiaries as Darren Mackalone Mackenzie Mackalone, and there's this I don't have a risk. There's a small percentage to Heidi. But is there anything else I can do to make sure that that happens? You know, there's always legal issues. So can I add my husband to the to the thing? Or yep. Yeah. But can I take Heidi off and do 20% to Mackenzie? Oh, sorry. Sarah's got 70 then. Yeah. 70 and 30. Yes. Yes, please. She is my niece. We yeah. Yeah. Yeah. Yes. Yes. Yes. Not oh, Mackenzie and Darren, please. Yes. Mhmm. Yeah. Yes, please. Yes, please. Yep. 100%. Yep. Yeah. No. No. Email is fine. I can print it and sign it. Yep. Yep. Of, like, the company? Or Oh, I've I would I I reckon 1.8 that will pay off all the real estate and give them money to survive. So yep. Oh, okay. So, yeah, I probably need to update. We have now sold Mount Arbus, and we own a property in Carapa, which is 4 Ridley Street. And then we've recently bought a property in Lacay. Do you need the address for that? Or Yep. Yeah. No. It's 17 Anthony, so just like the name Anthony, and then that's a separate word, Vella, v e l l a, in rural view in MacKay. Hang on. I'm sorry. I don't know the postcode yet. $8.30 to $908.30, 8 50? Yep. Yep. Well, we got it's about $4.98, but we've got a fair amount of cash on it. So we only owe about $3.50 at the moment. Yeah. Yeah. $4.98. No. I wish it was $3.98, but, yeah, $4.90 8. Yep. Yep. Well, we only just bought it, and it was $7.70. So oh, a 100%. It's just interest only at the moment. So yep. I think it's three years, but we'll be living in it before then. So we'll we'll stop it. Yeah. We'll make this one the rental and that one the primary. Oh, 100 percent. No. No. No. It's rented now. Yep. $7.30 a week. Sorry. That's my dog. Correct. Yeah. Correct. Yep. Yep. Yeah. We would still probably get that for it. Yep. Yeah. Yep. I sure are. We've we've put a lot into it. A lot of extras on it, so I could get 50. Yeah. Yeah. Yeah. So we've just got one car. It's a Toyota Hilux 2014. We're and because we both get company cars, so we don't have any others. We don't need another car. Yeah. It's probably about the same. Yep. $30.30 5 to 38. Yep. Yes. Yep. Yeah. So well, if we can use if we use the cash that we've got lying around mortgage, we would put about 200,000 in cash, probably 2 to 3. No. Not at the moment. It's just keeping the interest out on the property at the moment. So yeah. Bye. Yep. No. It's actually gone down, but it still works out pretty close to that anyway. So yeah. Yep. Yep. Yep. Yeah. Just no. Just keep it increasing with survival therapy at TC. Yes. No. No. No. Not all good. Yeah. Yep. She's silly. Right? She's 87. Yeah. Yes. 100 percent. Yep. No. We don't have any no. We don't have any debt on any of our vehicles or caravans. It's just mortgages. Well, in Karratha, it's already too hot again now, so it'll be another six months. So Yeah. Yeah. Yeah. Yep. Well, up here, up North. No. Oh, down south. Yes. But not up here. Not a chance. Not if you're gonna get to, like, South Of Carrapini. No. Smiley. Yeah. August, September. Because you want it warm enough to swim and stuff. So yeah. Yeah. Oh, yeah. People correct. Yeah. Yeah. Correct. Yeah. We're probably just travel Australia for a few months this year, but we moved to Queensland. Yeah. Yep. Yep. That's probably not true now. I'm a a administrative something. You can just keep it as that. I just work in the electrical industry. I just help look after our electrical business, but but before I was in the electrical wholesaler. So electrical. So yep. No. Yeah. In the office car and yep. Yeah. Nothing crazy. No. This one's only since May. Yep. No. It's bullshit, but it pays the bills that I needed to have more time for my daughter. Yeah. I could get another job later. Yeah. I have no idea. I'd have no idea. I'll find a job. No problem. Yeah. Yep. Yep. Yep. Yep. We've gotta be no. No. So we probably leave here in May, and we've gotta be there before, like, the July 20. So, yeah, just a couple of months. Yeah. Yeah. We have already met some people who can potentially get us into work. If not, I've never had a problem getting a job, so it doesn't bother me. Yeah. No. We realized you're not gonna get wages like you get here. Because they have to pay high wages or no one will come. So we're well aware it's probably gonna drop $10 or what a year, but it's much cheaper to live there too. So it's easier. Yeah. Yeah. Exactly. Yep. Yeah. Yep. It is it is what it is. Whatever you come out with. Yep. Sounds good. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Sounds good. Yep. Can we do all that with DocuSign when you send it through? Yep. Yep. Mhmm. Yep. Yep. Cool. Yep. Yeah. 58 to 60 would be nice. Yes. Yep. Yep. Mhmm. No. Not really. Because, I mean, look, the world could be anything in twenty years. No. We can't even afford to fill our fridges anymore. So, you know? No. Yeah. I mean, let's just say minimum wage of, like, 50 or 60,000. Let's just say that for now. Yep. Yep. Yep. Yep. 100 percent. Yep. Yeah. I mean, but does the government give you do they match it? I mean, what is the percentage these days? Let's say if you do. Yeah. Yeah. Yes. Definitely, it's only about next year once we get set up in the car. Yeah. Yeah. Maybe next annual meeting. Yep. Yeah. Yeah. That sounds good because it'll be right before tax and when we leave. So, yeah, all of it will help. Yep. Yep. Yep. Yeah. Yeah. Exactly. Exactly. Yeah. No. Definitely before tax next year. So rep. Uh-huh. Mhmm. No. Not at this stage. Obviously, just working towards that that couple of months off and then move. So that's the problem. Saving money for that. Yep. Mhmm. Yeah. So quarter to three, this 02:45 appointment, pretty much any day except Thursday is good for me. So yep. Yep. Yep. Perfect. Yep. Mhmm. Yep. Yep. Yep. Yep. No. So we did see solicitor, and he wanted to charge me stupid amounts of money. So we have got a will. I've got a beneficiary. It's all just done, obviously, like the post office one. But, yes, everything has been done, and they have a copy of my beneficiary and a copy of it too soon. Yeah. Yeah. Yep. For now. Yep. No. No. No. Mhmm. Not for twelve months. I wanna try high. Oh, I don't know. I don't I don't watch the news. I don't know. Yeah. Yeah. I don't know. It is what it is, isn't it? So you win, you lose. Yeah. Yeah. I mean, I don't even check my super, to be honest, mate. So yeah. Yeah. No. I don't think I'd borrow for shares. If I ever bought shares, it would be out of our money. But definitely, we would love to get get into that, but we just need to get the cash flow going soon. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Sounds good. Yep. Yep. Nah. All good. Thank you. Yep. Perfect. Perfect. Yep. Perfect. Thank you so much. Yep. Yeah. We will. Thank you so much. 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Yeah. Good. Thank you. Yourself?\n\nYep. Yep. Absolutely. Oh, yeah. Not too bad.\n\nWe're on a public holiday here in Western Australia. So yes. The king's birthday? Yeah. Next week.\n\nYeah. Yeah. Yeah. Yep. Sure.\n\nYeah. It's 4 Ridley Street in Bolgara, and my full name is Lisa McAlone. And sorry. What else did you mean? My phone number.\n\nOh, sorry. Twenty thirty first nineteen eighty two. Yeah. I can do. Yep.\n\nYep. Yep. Yes. Exactly. Dana.\n\nYep. There it is. Yep. Yep. Yep.\n\nOh, yep. Summary of 50 or annuation. Yep. Summary. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Uh-huh.\n\nYep. Mhmm. Yep. Uh-huh. Yep.\n\nYep. No. Let's give it a crack. I mean, freaking hell of a way to government changes the bottle. You can get this money by the time I could retire.\n\nSo Yeah. Yeah. Yeah. I'll give it a go for the next twelve months. Yep.\n\nYes. Yep. Yep. Yes. Yep.\n\nYep. Yeah. Potentially, can we put it up to around the 1.5? Because we have recently bought another property just to make sure my family's okay if anything happens. So Yes.\n\nThat would so that would cover the loans, but I don't know how much. It probably wouldn't give them much in cash, so maybe we should do it at 2,000,000, to be honest. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. What is the cost gonna be a year? Do would you know?\n\nOr you just you have to come back to yeah. Yep. Yep. Yep. Yep.\n\nSounds good. Yeah. 1.8 to 2,000,000. So yep. And I know I've got my beneficiaries as Darren Mackalone Mackenzie Mackalone, and there's this I don't have a risk.\n\nThere's a small percentage to Heidi. But is there anything else I can do to make sure that that happens? You know, there's always legal issues. So can I add my husband to the to the thing? Or yep.\n\nYeah. But can I take Heidi off and do 20% to Mackenzie? Oh, sorry. Sarah's got 70 then. Yeah.\n\n70 and 30. Yes. Yes, please. She is my niece. We yeah.\n\nYeah. Yeah. Yes. Yes. Yes.\n\nNot oh, Mackenzie and Darren, please. Yes. Mhmm. Yeah. Yes, please.\n\nYes, please. Yep. 100%. Yep. Yeah.\n\nNo. No. Email is fine. I can print it and sign it. Yep.\n\nYep. Of, like, the company? Or Oh, I've I would I I reckon 1.8 that will pay off all the real estate and give them money to survive. So yep. Oh, okay.\n\nSo, yeah, I probably need to update. We have now sold Mount Arbus, and we own a property in Carapa, which is 4 Ridley Street. And then we've recently bought a property in Lacay. Do you need the address for that? Or Yep.\n\nYeah. No. It's 17 Anthony, so just like the name Anthony, and then that's a separate word, Vella, v e l l a, in rural view in MacKay. Hang on. I'm sorry.\n\nI don't know the postcode yet. $8.30 to $908.30, 8 50? Yep. Yep. Well, we got it's about $4.98, but we've got a fair amount of cash on it.\n\nSo we only owe about $3.50 at the moment. Yeah. Yeah. $4.98. No.\n\nI wish it was $3.98, but, yeah, $4.90 8. Yep. Yep. Well, we only just bought it, and it was $7.70. So oh, a 100%.\n\nIt's just interest only at the moment. So yep. I think it's three years, but we'll be living in it before then. So we'll we'll stop it. Yeah.\n\nWe'll make this one the rental and that one the primary. Oh, 100 percent. No. No. No.\n\nIt's rented now. Yep. $7.30 a week. Sorry. That's my dog.\n\nCorrect. Yeah. Correct. Yep. Yep.\n\nYeah. We would still probably get that for it. Yep. Yeah. Yep.\n\nI sure are. We've we've put a lot into it. A lot of extras on it, so I could get 50. Yeah. Yeah.\n\nYeah. So we've just got one car. It's a Toyota Hilux 2014. We're and because we both get company cars, so we don't have any others. We don't need another car.\n\nYeah. It's probably about the same. Yep. $30.30 5 to 38. Yep.\n\nYes. Yep. Yeah. So well, if we can use if we use the cash that we've got lying around mortgage, we would put about 200,000 in cash, probably 2 to 3. No.\n\nNot at the moment. It's just keeping the interest out on the property at the moment. So yeah. Bye. Yep.\n\nNo. It's actually gone down, but it still works out pretty close to that anyway. So yeah. Yep. Yep.\n\nYep. Yeah. Just no. Just keep it increasing with survival therapy at TC. Yes.\n\nNo. No. No. Not all good. Yeah.\n\nYep. She's silly. Right? She's 87. Yeah.\n\nYes. 100 percent. Yep. No. We don't have any no.\n\nWe don't have any debt on any of our vehicles or caravans. It's just mortgages. Well, in Karratha, it's already too hot again now, so it'll be another six months. So Yeah. Yeah.\n\nYeah. Yep. Well, up here, up North. No. Oh, down south.\n\nYes. But not up here. Not a chance. Not if you're gonna get to, like, South Of Carrapini. No.\n\nSmiley. Yeah. August, September. Because you want it warm enough to swim and stuff. So yeah.\n\nYeah. Oh, yeah. People correct. Yeah. Yeah.\n\nCorrect. Yeah. We're probably just travel Australia for a few months this year, but we moved to Queensland. Yeah. Yep.\n\nYep. That's probably not true now. I'm a a administrative something. You can just keep it as that. I just work in the electrical industry.\n\nI just help look after our electrical business, but but before I was in the electrical wholesaler. So electrical. So yep. No. Yeah.\n\nIn the office car and yep. Yeah. Nothing crazy. No. This one's only since May.\n\nYep. No. It's bullshit, but it pays the bills that I needed to have more time for my daughter. Yeah. I could get another job later.\n\nYeah. I have no idea. I'd have no idea. I'll find a job. No problem.\n\nYeah. Yep. Yep. Yep. Yep.\n\nWe've gotta be no. No. So we probably leave here in May, and we've gotta be there before, like, the July 20. So, yeah, just a couple of months. Yeah.\n\nYeah. We have already met some people who can potentially get us into work. If not, I've never had a problem getting a job, so it doesn't bother me. Yeah. No.\n\nWe realized you're not gonna get wages like you get here. Because they have to pay high wages or no one will come. So we're well aware it's probably gonna drop $10 or what a year, but it's much cheaper to live there too. So it's easier. Yeah.\n\nYeah. Exactly. Yep. Yeah. Yep.\n\nIt is it is what it is. Whatever you come out with. Yep. Sounds good. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Sounds good.\n\nYep. Can we do all that with DocuSign when you send it through? Yep. Yep. Mhmm.\n\nYep. Yep. Cool. Yep. Yeah.\n\n58 to 60 would be nice. Yes. Yep. Yep. Mhmm.\n\nNo. Not really. Because, I mean, look, the world could be anything in twenty years. No. We can't even afford to fill our fridges anymore.\n\nSo, you know? No. Yeah. I mean, let's just say minimum wage of, like, 50 or 60,000. Let's just say that for now.\n\nYep. Yep. Yep. Yep. 100 percent.\n\nYep. Yeah. I mean, but does the government give you do they match it? I mean, what is the percentage these days? Let's say if you do.\n\nYeah. Yeah. Yes. Definitely, it's only about next year once we get set up in the car. Yeah.\n\nYeah. Maybe next annual meeting. Yep. Yeah. Yeah.\n\nThat sounds good because it'll be right before tax and when we leave. So, yeah, all of it will help. Yep. Yep. Yep.\n\nYeah. Yeah. Exactly. Exactly. Yeah.\n\nNo. Definitely before tax next year. So rep. Uh-huh. Mhmm.\n\nNo. Not at this stage. Obviously, just working towards that that couple of months off and then move. So that's the problem. Saving money for that.\n\nYep. Mhmm. Yeah. So quarter to three, this 02:45 appointment, pretty much any day except Thursday is good for me. So yep.\n\nYep. Yep. Perfect. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. No.\n\nSo we did see solicitor, and he wanted to charge me stupid amounts of money. So we have got a will. I've got a beneficiary. It's all just done, obviously, like the post office one. But, yes, everything has been done, and they have a copy of my beneficiary and a copy of it too soon.\n\nYeah. Yeah. Yep. For now. Yep.\n\nNo. No. No. Mhmm. Not for twelve months.\n\nI wanna try high. Oh, I don't know. I don't I don't watch the news. I don't know. Yeah.\n\nYeah. I don't know. It is what it is, isn't it? So you win, you lose. Yeah.\n\nYeah. I mean, I don't even check my super, to be honest, mate. So yeah. Yeah. No.\n\nI don't think I'd borrow for shares. If I ever bought shares, it would be out of our money. But definitely, we would love to get get into that, but we just need to get the cash flow going soon. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nSounds good. Yep. Yep. Nah. All good.\n\nThank you. Yep. Perfect. Perfect. Yep.\n\nPerfect. Thank you so much. Yep. Yeah. We will.\n\nThank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02893521450459957},{"text":"Yeah.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":0.2568301856517792},{"text":"Good.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5103232264518738},{"text":"Thank 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can we put it up to around the 1.5?","start":442.195,"end":445.815,"sentiment":"neutral","sentiment_score":0.03954832525923848},{"text":"Because we have recently bought another property just to make sure my family's okay if anything happens.","start":446.115,"end":453.39,"sentiment":"neutral","sentiment_score":0.052212266854065305},{"text":"So Yes.","start":453.45,"end":462.005,"sentiment":"neutral","sentiment_score":0.04206975735723972}],"sentiment":"neutral","sentiment_score":0.057244867507007816,"num_words":31,"start":426.91,"end":462.005},{"sentences":[{"text":"That would so that would cover the loans, but I don't know how much.","start":462.005,"end":466.325,"sentiment":"neutral","sentiment_score":-0.032873212093753476},{"text":"It probably wouldn't give them much in cash, so maybe we should do it at 2,000,000, to be 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that's the problem.","start":1837.105,"end":1838.245,"sentiment":"neutral","sentiment_score":-0.3289692625403404},{"text":"Saving money for that.","start":1838.305,"end":1839.3451,"sentiment":"neutral","sentiment_score":-0.04342366196215153}],"sentiment":"neutral","sentiment_score":-0.2930358462035656,"num_words":26,"start":1831.7,"end":1839.3451},{"sentences":[{"text":"Yep.","start":1839.3451,"end":1839.8451,"sentiment":"neutral","sentiment_score":0.16177931427955627},{"text":"Mhmm.","start":1858.0,"end":1858.5,"sentiment":"neutral","sentiment_score":0.047722239047288895},{"text":"Yeah.","start":1866.915,"end":1867.3151,"sentiment":"neutral","sentiment_score":0.06383267790079117},{"text":"So quarter to three, this 02:45 appointment, pretty much any day except Thursday is good for me.","start":1867.3151,"end":1872.995,"sentiment":"neutral","sentiment_score":0.12185008210294387},{"text":"So 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we did see solicitor, and he wanted to charge me stupid amounts of money.","start":1946.2001,"end":1949.56,"sentiment":"neutral","sentiment_score":-0.24459856003522873},{"text":"So we have got a will.","start":1949.56,"end":1950.9401,"sentiment":"neutral","sentiment_score":-0.030634775447348755},{"text":"I've got a beneficiary.","start":1951.1951,"end":1952.015,"sentiment":"neutral","sentiment_score":0.0021567679941654205},{"text":"It's all just done, obviously, like the post office one.","start":1952.9551,"end":1955.755,"sentiment":"neutral","sentiment_score":0.008631457388401032},{"text":"But, yes, everything has been done, and they have a copy of my beneficiary and a copy of it too soon.","start":1955.755,"end":1962.3351,"sentiment":"neutral","sentiment_score":0.019867251937588055}],"sentiment":"neutral","sentiment_score":-0.05965416279754469,"num_words":56,"start":1946.2001,"end":1962.3351},{"sentences":[{"text":"Yeah.","start":1968.4801,"end":1968.9801,"sentiment":"neutral","sentiment_score":0.08161263167858124},{"text":"Yeah.","start":1969.04,"end":1969.3601,"sentiment":"neutral","sentiment_score":0.07585248351097107},{"text":"Yep.","start":1969.3601,"end":1969.68,"sentiment":"neutral","sentiment_score":0.10313735902309418},{"text":"For now.","start":1969.68,"end":1970.3201,"sentiment":"neutral","sentiment_score":0.13273444026708603},{"text":"Yep.","start":1970.3201,"end":1970.8201,"sentiment":"neutral","sentiment_score":0.13639609515666962}],"sentiment":"neutral","sentiment_score":0.11041124165058136,"num_words":6,"start":1968.4801,"end":1970.8201},{"sentences":[{"text":"No.","start":1994.3849,"end":1994.8849,"sentiment":"neutral","sentiment_score":-0.06400906294584274},{"text":"No.","start":1998.5599,"end":1999.0399,"sentiment":"neutral","sentiment_score":-0.09390732645988464},{"text":"No.","start":1999.0399,"end":1999.5399,"sentiment":"neutral","sentiment_score":-0.0925305187702179},{"text":"Mhmm.","start":2007.76,"end":2008.26,"sentiment":"neutral","sentiment_score":-0.0060054101049900055},{"text":"Not for twelve months.","start":2036.555,"end":2037.515,"sentiment":"neutral","sentiment_score":-0.3050891049206257}],"sentiment":"neutral","sentiment_score":-0.18460109224542975,"num_words":8,"start":1994.3849,"end":2037.515},{"sentences":[{"text":"I wanna try high.","start":2037.515,"end":2038.655,"sentiment":"neutral","sentiment_score":-0.16762038879096508},{"text":"Oh, I don't know.","start":2070.105,"end":2071.945,"sentiment":"neutral","sentiment_score":-0.13053522072732449},{"text":"I don't I don't watch the news.","start":2071.945,"end":2073.565,"sentiment":"neutral","sentiment_score":-0.19115276421819413},{"text":"I don't know.","start":2075.065,"end":2075.965,"sentiment":"neutral","sentiment_score":-0.15633057554562887},{"text":"Yeah.","start":2076.345,"end":2076.665,"sentiment":"neutral","sentiment_score":-0.05527796596288681}],"sentiment":"neutral","sentiment_score":-0.1607874463263311,"num_words":19,"start":2037.515,"end":2076.665},{"sentences":[{"text":"Yeah.","start":2076.665,"end":2077.065,"sentiment":"neutral","sentiment_score":-0.06304656714200974},{"text":"I don't know.","start":2077.065,"end":2077.77,"sentiment":"neutral","sentiment_score":-0.10087815175453822},{"text":"It is what it is, isn't it?","start":2077.77,"end":2079.21,"sentiment":"neutral","sentiment_score":-0.11582612459148679},{"text":"So you win, you lose.","start":2079.21,"end":2080.59,"sentiment":"neutral","sentiment_score":-0.15685338377952576},{"text":"Yeah.","start":2083.77,"end":2084.01,"sentiment":"neutral","sentiment_score":-0.030346594750881195}],"sentiment":"neutral","sentiment_score":-0.11712220048203188,"num_words":17,"start":2076.665,"end":2084.01},{"sentences":[{"text":"Yeah.","start":2084.01,"end":2084.33,"sentiment":"neutral","sentiment_score":-0.019628887996077538},{"text":"I mean, I don't even check my super, to be honest, mate.","start":2084.33,"end":2086.81,"sentiment":"neutral","sentiment_score":-0.06981041887775064},{"text":"So yeah.","start":2086.81,"end":2087.87,"sentiment":"neutral","sentiment_score":-0.001744619570672512},{"text":"Yeah.","start":2088.81,"end":2089.31,"sentiment":"neutral","sentiment_score":0.12286451458930968},{"text":"No.","start":2102.6748,"end":2103.1748,"sentiment":"neutral","sentiment_score":-0.1518637239933014}],"sentiment":"neutral","sentiment_score":-0.052343668416142464,"num_words":17,"start":2084.01,"end":2103.1748},{"sentences":[{"text":"I don't think I'd borrow for shares.","start":2103.2349,"end":2104.6748,"sentiment":"neutral","sentiment_score":-0.1369912741439683},{"text":"If I ever bought shares, it would be out of our money.","start":2104.6748,"end":2107.0898,"sentiment":"neutral","sentiment_score":-0.16459297512968382},{"text":"But definitely, we would love to get get into that, but we just need to get the cash flow going soon.","start":2107.0898,"end":2113.03,"sentiment":"neutral","sentiment_score":-0.021632181303132148},{"text":"Yeah.","start":2136.29,"end":2136.79,"sentiment":"neutral","sentiment_score":0.0444265678524971},{"text":"Yeah.","start":2137.01,"end":2137.51,"sentiment":"neutral","sentiment_score":0.05482913553714752}],"sentiment":"neutral","sentiment_score":-0.07831130296524082,"num_words":42,"start":2103.2349,"end":2137.51},{"sentences":[{"text":"Yep.","start":2140.05,"end":2140.29,"sentiment":"neutral","sentiment_score":0.14627331495285034},{"text":"Yep.","start":2140.29,"end":2140.79,"sentiment":"neutral","sentiment_score":0.2927500605583191},{"text":"Yep.","start":2179.945,"end":2180.445,"sentiment":"neutral","sentiment_score":0.05225972831249237},{"text":"Yep.","start":2180.665,"end":2181.165,"sentiment":"neutral","sentiment_score":0.05786452442407608},{"text":"Yep.","start":2181.385,"end":2181.885,"sentiment":"neutral","sentiment_score":0.08462035655975342}],"sentiment":"neutral","sentiment_score":0.12675359696149827,"num_words":5,"start":2140.05,"end":2181.885},{"sentences":[{"text":"Yep.","start":2192.3901,"end":2192.8901,"sentiment":"neutral","sentiment_score":0.17114083468914032},{"text":"Yep.","start":2205.35,"end":2205.51,"sentiment":"neutral","sentiment_score":0.048462312668561935},{"text":"Yep.","start":2205.51,"end":2206.01,"sentiment":"neutral","sentiment_score":0.06826281547546387},{"text":"Yep.","start":2218.125,"end":2218.625,"sentiment":"neutral","sentiment_score":0.07231634110212326},{"text":"Yep.","start":2218.765,"end":2219.085,"sentiment":"neutral","sentiment_score":0.1380448937416077}],"sentiment":"neutral","sentiment_score":0.09964543953537941,"num_words":5,"start":2192.3901,"end":2219.085},{"sentences":[{"text":"Sounds good.","start":2219.085,"end":2219.905,"sentiment":"positive","sentiment_score":0.3503834009170532},{"text":"Yep.","start":2227.97,"end":2228.47,"sentiment":"neutral","sentiment_score":0.09696515649557114},{"text":"Yep.","start":2228.53,"end":2229.03,"sentiment":"neutral","sentiment_score":0.08455916494131088},{"text":"Nah.","start":2234.29,"end":2234.69,"sentiment":"neutral","sentiment_score":-0.03943762928247452},{"text":"All good.","start":2234.69,"end":2235.3298,"sentiment":"neutral","sentiment_score":0.2987115830183029}],"sentiment":"neutral","sentiment_score":0.2057538085750171,"num_words":7,"start":2219.085,"end":2235.3298},{"sentences":[{"text":"Thank you.","start":2235.3298,"end":2236.15,"sentiment":"positive","sentiment_score":0.4038469046354294},{"text":"Yep.","start":2246.415,"end":2246.915,"sentiment":"neutral","sentiment_score":0.1271483600139618},{"text":"Perfect.","start":2247.375,"end":2247.875,"sentiment":"positive","sentiment_score":0.5033636093139648},{"text":"Perfect.","start":2251.1099,"end":2251.6099,"sentiment":"neutral","sentiment_score":0.16317018866539},{"text":"Yep.","start":2254.47,"end":2254.8699,"sentiment":"neutral","sentiment_score":0.2504322826862335}],"sentiment":"neutral","sentiment_score":0.3086347083250682,"num_words":6,"start":2235.3298,"end":2254.8699},{"sentences":[{"text":"Perfect.","start":2254.8699,"end":2255.3499,"sentiment":"positive","sentiment_score":0.6419544219970703},{"text":"Thank you so much.","start":2255.3499,"end":2256.41,"sentiment":"positive","sentiment_score":0.8014802187681198},{"text":"Yep.","start":2259.03,"end":2259.53,"sentiment":"positive","sentiment_score":0.3376956582069397},{"text":"Yeah.","start":2260.3098,"end":2260.55,"sentiment":"neutral","sentiment_score":0.2341296523809433},{"text":"We will.","start":2260.55,"end":2261.03,"sentiment":"neutral","sentiment_score":0.2998112440109253}],"sentiment":"positive","sentiment_score":0.557702566186587,"num_words":9,"start":2254.8699,"end":2261.03},{"sentences":[{"text":"Thank you so much.","start":2261.03,"end":2262.17,"sentiment":"positive","sentiment_score":0.7440327703952789},{"text":"Bye.","start":2264.649,"end":2265.149,"sentiment":"neutral","sentiment_score":-0.1096714660525322}],"sentiment":"positive","sentiment_score":0.5732919231057167,"num_words":5,"start":2261.03,"end":2265.149}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Alyssa. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had your booking through to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yep. Yep. Absolutely.\n\nChannel 0: Fantastic. How's your day been so far?\n\nChannel 1: Oh, yeah. Not too bad. We're on a public holiday here in Western Australia. So\n\nChannel 0: Oh, perfect.\n\nChannel 1: yes.\n\nChannel 0: Excellent. What public holiday is it?\n\nChannel 1: The king's birthday?\n\nChannel 0: Nice. Yeah. Ours is next Monday,\n\nChannel 1: Yeah. Next\n\nChannel 0: so\n\nChannel 1: week.\n\nChannel 0: we'll\n\nChannel 1: Yeah.\n\nChannel 0: enjoy\n\nChannel 1: Yeah.\n\nChannel 0: that. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good, Lisa. Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward? Are you happy for us to\n\nChannel 1: Yep. Sure.\n\nChannel 0: Fantastic. And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Yeah. It's 4 Ridley Street in Bolgara, and my full\n\nChannel 0: Yep.\n\nChannel 1: name is Lisa McAlone. And sorry. What else did you mean? My phone number.\n\nChannel 0: No, sir. Date of birth, address,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: sorry. Twenty thirty first nineteen eighty two.\n\nChannel 0: lovely. Thank you so much for that. All good. Now do you happen to have access to your emails there currently at all?\n\nChannel 1: Yeah. I can do. Yep.\n\nChannel 0: Yeah. Beautiful. What I'm gonna do is I'm just gonna send through some documents to you just to run through as part of your annual review just so you can sort of see what we're going through as we are going through them.\n\nChannel 1: Yep.\n\nChannel 0: Now, hopefully, it should come through fairly quickly there for you. Beautiful. Love technology when it wants to work in our favor.\n\nChannel 1: Yep. Yes. Exactly. Dana. Yep.\n\nThere it is. Yep.\n\nChannel 0: Beautiful. So when you open that one there, it does ask you to press the sign button so you can go through to see them. However, I will never ask you to sign anything you haven't read through. So we'll go through each of the documents and just sort of talk about each of them as we are going through things, updating all of your circumstances. I\n\nChannel 1: Yep.\n\nChannel 0: did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well. Okay?\n\nChannel 1: Yep. Oh, yep.\n\nChannel 0: Fantastic. Now the first document you should see in there, are you able to see each of those documents, or what's it say at the moment just to sort of make sure I'm on the same page as you? That's okay. The first\n\nChannel 1: Summary\n\nChannel 0: one should\n\nChannel 1: of\n\nChannel 0: say\n\nChannel 1: 50\n\nChannel 0: summary.\n\nChannel 1: or annuation. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Summary.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: the one. Beautiful. Now if if I go too fast, please just let me know. But\n\nChannel 1: Mhmm.\n\nChannel 0: this is giving you an updated summary of your suit graduation and your insurances there as of the September 24 when we completed the documents. So how do you look there? Your balance is sitting about $157,874 and 16¢ there. When\n\nChannel 1: Mhmm.\n\nChannel 0: I have a look back at what your balance was, when we look back at this time last year sorry. My computer's a bit slow there. But you were sitting at around about a 144,000 last year or just over. So you\n\nChannel 1: Mhmm.\n\nChannel 0: have seen a good increase there. When we sort of have a look at what's been going on with this super this year with the all investors, they have been very up and down with what's been happening in the market generally. So we are expecting a bit of a lower kind of return this year with the volatility in the ups and downs.\n\nChannel 1: Yep.\n\nChannel 0: However, as I said, I had a bit of a look at the advice your portfolio. Sorry. And I've had a bit of a look at where we can definitely look to make some changes. If I can get you to scroll forward to the next document there for me,\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: Lisa. Beautiful. The next one is your performance report. So the first page that you'll see a a lot of different investment options there. The first one's been along Australian Equities.\n\nUnderneath that, you should also see the cybersecurity, the battery, and lithium tech. And so forth, you can see all those investment options noted there?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Beautiful. So when we have a look at those, if you look at the second last column there, it all it sort of shows you which investments are up and which ones are down for the year. Majority of everything has been performing very nicely, and we're very happy with it. However, the Australian Equities won the first one at the top.\n\nThere has taken a little bit of a dip. So I've been looking to maybe replace that as it has been underperforming slightly,\n\nChannel 1: Yep.\n\nChannel 0: and the rest of the Australian market's actually doing quite well and has been up over all for the years. So I would like to maybe look at removing that investment for you. The other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China. That\n\nChannel 1: Uh-huh.\n\nChannel 0: was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there. So that one is essentially underperforming pretty significantly as well there. So I would like to maybe look at changing that out for you.\n\nChannel 1: Yep.\n\nChannel 0: It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well.\n\nChannel 1: Yep.\n\nChannel 0: When we sort of think about investments in the way the types of investments are, we have different ways of investing. One of those is called active management. So that's investing in managers who are actively trying to outperform against the market. That's what that original BANALONG one. So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged.\n\nAnd, overall, they're trying to outperform against the market. Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa. Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you? What would you sort of prefer? How would you like\n\nChannel 1: No.\n\nChannel 0: to see\n\nChannel 1: Let's\n\nChannel 0: it\n\nChannel 1: give\n\nChannel 0: invested?\n\nChannel 1: it a crack. I mean, freaking hell of a way to government changes the bottle. You can get this money by the time I could retire. So\n\nChannel 0: Well, I certainly wanna make sure you do. That's for sure.\n\nChannel 1: Yeah.\n\nChannel 0: No. Absolutely. So you would like to see a bit of active management's investments in your portfolio moving forward and continuing to have that sort of exposure?\n\nChannel 1: Yeah. Yeah. I'll give it a go for\n\nChannel 0: Yep.\n\nChannel 1: the next twelve months. Yep.\n\nChannel 0: Yeah. Beautiful. Well, I'll have a look at the portfolio and look at updating things to reflect that for you. I'll look at trying to see if I can make it lower cost as well. So having a look at some of the investments that are in your portfolio, I might be able to switch out a few others of those and replace them for you, make the portfolio a bit cheaper.\n\nSo one of the other ways that we can look to help them boost super moving forward is to lower the fees as much as possible as well, which means that more money is staying invested in your sleep of working harder for you over time and there. So I'd love to definitely\n\nChannel 1: Yes.\n\nChannel 0: have a look and see if I can fix that for you as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. So as per the last document there, you add about a 157,000 currently, which is fantastic. You wanna keep that growing and working harder for you moving forward. Underneath that, on that first page that we were looking at, you've also got your insurances. Having a look at your at your circumstances and with the level of cover you have, with the nearest insurance company, you've got life and total permanent disability covered.\n\nDo you understand how those insurances\n\nChannel 1: Yes.\n\nChannel 0: work, how they pay?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover? Did you wanna reassess that in any\n\nChannel 1: Yeah. Potentially, can we put it\n\nChannel 0: way?\n\nChannel 1: up to around the 1.5? Because we have\n\nChannel 0: You\n\nChannel 1: recently\n\nChannel 0: can.\n\nChannel 1: bought another property just to make sure\n\nChannel 0: Okay.\n\nChannel 1: my family's okay if anything happens. So\n\nChannel 0: Yeah. Absolutely. So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in\n\nChannel 1: Yes. That\n\nChannel 0: borrowing\n\nChannel 1: would\n\nChannel 0: at the moment?\n\nChannel 1: so that would cover the loans, but I don't know how much. It probably wouldn't give them much in cash, so maybe we should do it at 2,000,000, to be honest.\n\nChannel 0: Yep. That's okay. Now it is really important to note that there are limits with insurances. So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine. The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials.\n\nAt\n\nChannel 1: Yep.\n\nChannel 0: the moment, given your agent stage, increasing that level of cover to say 1.5 or 2,000,000, absolutely fine.\n\nChannel 1: Yep.\n\nChannel 0: It is gonna increase the cost of the insurances\n\nChannel 1: Yeah.\n\nChannel 0: as well, but you'll\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: have you're comfortable with that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep?\n\nChannel 1: What is the cost gonna be a year? Do would you know? Or you just you have\n\nChannel 0: I\n\nChannel 1: to come\n\nChannel 0: will\n\nChannel 1: back to\n\nChannel 0: have to have a look at it for\n\nChannel 1: yeah.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years. Does that sound alright?\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Yep. Beautiful. So and so you said 2,000,000 total?\n\nChannel 1: Yeah. 1.8 to 2,000,000. So yep.\n\nChannel 0: Yep.\n\nChannel 1: And I know I've got my beneficiaries as Darren Mackalone Mackenzie Mackalone, and there's this I don't have a risk. There's a small percentage to Heidi. But is there\n\nChannel 0: Yes.\n\nChannel 1: anything else I can do to make sure that that happens? You know, there's always legal issues. So can I add my husband\n\nChannel 0: Yeah.\n\nChannel 1: to the to the thing? Or\n\nChannel 0: Yeah. So having a look here, you've got your beneficiary set as Darren to receive\n\nChannel 1: yep.\n\nChannel 0: 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%. Is that correct?\n\nChannel 1: Yeah. But can\n\nChannel 0: Yeah.\n\nChannel 1: I take Heidi off and do 20% to Mackenzie? Oh, sorry. Sarah's got 70 then. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: 70\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: 30.\n\nChannel 0: Yeah. Absolutely. So sorry. 30% to Mackenzie\n\nChannel 1: Yes.\n\nChannel 0: and 70% to Darren?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Absolutely. We can do that. I also just wanted to double check because we had Heidi on here as other dependent. What relationship is Heidi to yourself?\n\nChannel 1: She is my niece.\n\nChannel 0: Right.\n\nChannel 1: We\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: It is a yeah. It is a good thing that you are updating that because under the legislation, while she has been noted here as an other dependent, she doesn't technically meet the criteria to be considered a beneficiary\n\nChannel 1: Yeah.\n\nChannel 0: under the CIS Act.\n\nChannel 1: Yeah.\n\nChannel 0: So if in any way that she was to claim on this, if you were to pass away currently, she would essentially if she can't prove that she's a a true dependent and relies on you financially for a financial support and lives with you, that, essentially, she would be denied access to her part of the claim. And the super\n\nChannel 1: Yes.\n\nChannel 0: fund would have the option of either paying that portion to your estate to have distributed via your will, or they can have that nominated or paid out to one of your other beneficiaries depending on what their discretionary rules would be.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes. Not oh,\n\nChannel 0: it\n\nChannel 1: Mackenzie\n\nChannel 0: it does\n\nChannel 1: and\n\nChannel 0: make\n\nChannel 1: Darren,\n\nChannel 0: it harder.\n\nChannel 1: please. Yes.\n\nChannel 0: No worries at all. So I can have that form updated for you and my team to send it out. Are you happy\n\nChannel 1: Mhmm.\n\nChannel 0: with us pre filling the nomination form for\n\nChannel 1: Yeah.\n\nChannel 0: you as much as\n\nChannel 1: Yes,\n\nChannel 0: possible\n\nChannel 1: please.\n\nChannel 0: to help you out? Yeah.\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Absolutely. And you've got it as a binding, non lapsing nomination. It is a good thing because you fill the format once. You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination?\n\nChannel 1: 100%. Yep.\n\nChannel 0: Yeah. Beautiful. I love that. The other option is binding lapsing. You have to refill the format every three\n\nChannel 1: Yeah.\n\nChannel 0: years, and life gets\n\nChannel 1: No.\n\nChannel 0: busy. No. Perfect. I will absolutely have that sorted out for you. Is it easy to have it posted or emailed to yourself, Lisa?\n\nWhat would you prefer?\n\nChannel 1: No. Email is fine. I can print it and\n\nChannel 0: Email's\n\nChannel 1: sign it.\n\nChannel 0: good? Yep. Fantastic. I'll get that one sorted for you ASAP. Fantastic.\n\nI've also just made a note here that we'll look at increasing your life and CPD benefit\n\nChannel 1: Yep.\n\nChannel 0: to either 1,800,000 or 2,000,000 depending on the cost difference. Did you have a preference that would be more preferable to yourself for increasing that level of cover?\n\nChannel 1: Yep. Of, like, the company? Or\n\nChannel 0: No. No. Just the amount. Did\n\nChannel 1: Oh,\n\nChannel 0: you sort of prefer\n\nChannel 1: I've\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: would\n\nChannel 0: the 2 mil? Or\n\nChannel 1: I I reckon 1.8 that will pay off\n\nChannel 0: yep.\n\nChannel 1: all the real estate and give them money to survive.\n\nChannel 0: Yes.\n\nChannel 1: So yep.\n\nChannel 0: Absolutely. I'll run through and have a quick look at your assets while we've got what we're talking about the insurance asset. I had here, I believe this is a property. Is it Valdez?\n\nChannel 1: Oh, okay. So, yeah, I probably need to update. We have now\n\nChannel 0: Yeah.\n\nChannel 1: sold Mount Arbus,\n\nChannel 0: Okay.\n\nChannel 1: and\n\nChannel 0: Valdez,\n\nChannel 1: we own\n\nChannel 0: that one.\n\nChannel 1: a property in Carapa, which is 4 Ridley Street.\n\nChannel 0: Yep.\n\nChannel 1: And then we've recently bought a property in Lacay. Do you need the address\n\nChannel 0: Okay.\n\nChannel 1: for that? Or\n\nChannel 0: If you have it, if you don't,\n\nChannel 1: Yep.\n\nChannel 0: that's okay.\n\nChannel 1: Yeah. No. It's 17 Anthony,\n\nChannel 0: Yep.\n\nChannel 1: so just\n\nChannel 0: Yep.\n\nChannel 1: like the name Anthony, and then that's a separate word, Vella, v e l l a,\n\nChannel 0: Yep.\n\nChannel 1: in rural view in MacKay. Hang on. I'm sorry. I don't know the postcode yet.\n\nChannel 0: No. That's fine. I can grab that as not a problem at all. Beautiful. So with the property in Karratha, what kind of valuation would you put on that at the moment?\n\nChannel 1: $8.30 to $908.30, 8\n\nChannel 0: Yep. Yeah. Beautiful. Let's go to $8.50 mark. Absolutely.\n\nAnd do you have a mortgage\n\nChannel 1: 50?\n\nChannel 0: on that property still?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Well, we got it's about $4.98, but we've got a fair amount of cash on it. So we only owe\n\nChannel 0: Yeah.\n\nChannel 1: about $3.50 at the\n\nChannel 0: Okay.\n\nChannel 1: moment.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: $3.50. And you said you owed technically $398,000, but the difference is obviously what's in your cash or offset\n\nChannel 1: Yeah.\n\nChannel 0: account.\n\nChannel 1: $4.98. No. I wish it was $3.98, but, yeah, $4.90\n\nChannel 0: Sorry\n\nChannel 1: 8.\n\nChannel 0: about that. No. You're right. Excellent. And the 4 Ridley Street, that's your main primary residence, is it?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. And then the property in Mackay, what sort of valuation would you put on that one at the moment?\n\nChannel 1: Well, we only just bought it, and it was $7.70. So\n\nChannel 0: Okay. Beautiful. And so the loan would be fairly close to that?\n\nChannel 1: oh, a 100%. It's just interest only at the moment. So yep.\n\nChannel 0: Yes. Absolutely. How long have you got interest only for?\n\nChannel 1: I think it's three years,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Beautiful\n\nChannel 1: we'll be living\n\nChannel 0: and\n\nChannel 1: in it before then. So\n\nChannel 0: nice.\n\nChannel 1: we'll we'll stop it. Yeah. We'll make this one\n\nChannel 0: Yeah.\n\nChannel 1: the rental and that one the primary.\n\nChannel 0: Beautiful. Beautiful. Excellent. Are you planning on renting out the Mackay property prior to you living in it, or are\n\nChannel 1: Oh,\n\nChannel 0: you gonna\n\nChannel 1: 100\n\nChannel 0: sort\n\nChannel 1: percent.\n\nChannel 0: of just wanna move in? Yep.\n\nChannel 1: No. No.\n\nChannel 0: Excellent.\n\nChannel 1: No. It's rented now. Yep.\n\nChannel 0: Fantastic. And how much rent will you be getting off that at the moment?\n\nChannel 1: $7.30 a week.\n\nChannel 0: Oh, fantastic. That's really good rent out there. Great. $7.30 per week.\n\nChannel 1: Sorry.\n\nChannel 0: Excellent.\n\nChannel 1: That's my dog.\n\nChannel 0: No. You're absolutely fine. Not a problem. Beautiful. So we do have quite a bit of loans there, which is great.\n\nSo in the event of, say, passing or having a TPD event, you wanna be able to cover both those loans,\n\nChannel 1: Correct.\n\nChannel 0: but then also provide a bit of a buffer. Yeah. Absolutely.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Beautiful. Looking at other assets that I do have noted here from last time we spoke, we had a caravan with a value of 50,000. Do you still have the caravan?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Would you still value it at 50,000, do you think?\n\nChannel 1: Yeah. We would still probably get that for it. Yep.\n\nChannel 0: Yep. Beautiful. They do go up in value at the moment. They're still very popular.\n\nChannel 1: Yeah. Yep. I sure are. We've we've put a lot into it. A lot of extras on it, so I could get 50.\n\nChannel 0: Oh, nice. You've made it into what you want it to be. I love that.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And I had your car down. What kind of vehicle do you drive?\n\nChannel 1: Yeah. Yeah. So we've just got one car. It's a Toyota\n\nChannel 0: Mhmm.\n\nChannel 1: Hilux 2014.\n\nChannel 0: Yep. Uh-huh.\n\nChannel 1: We're and because we both get company cars, so we don't have any\n\nChannel 0: Beautiful. Excellent. I love that. And what sort of value would you put on your Hilux? I believe we had about\n\nChannel 1: others.\n\nChannel 0: 38\n\nChannel 1: We don't\n\nChannel 0: thousand.\n\nChannel 1: need another car. Yeah. It's probably about the same. Yep. $30.30\n\nChannel 0: Yep. Yep.\n\nChannel 1: 5 to 38. Yep.\n\nChannel 0: Yeah. Beautiful. They do hold their value quite well, those\n\nChannel 1: Yes.\n\nChannel 0: Hiluxes. Yep. And then we had about 12,000 in savings last\n\nChannel 1: Yep.\n\nChannel 0: time. That could be what you have in your offset account, which has definitely increased since then. Do you have any other savings accounts? Or\n\nChannel 1: Yeah. So well, if we can use if we use the cash that we've got lying around mortgage, we would put about 200,000 in\n\nChannel 0: yep.\n\nChannel 1: cash, probably 2 to 3.\n\nChannel 0: Yep. Beautiful. Fantastic. And is that just the idea to pay down the mortgages and offset the interest as much as possible, or do you have any goals for what you wanna do with that money down the track?\n\nChannel 1: No. Not at the moment. It's just keeping the interest out on the property at the moment.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Which\n\nChannel 1: yeah.\n\nChannel 0: is not a bad thing at all.\n\nChannel 1: Bye.\n\nChannel 0: All good. Income wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725.\n\nChannel 1: Yep.\n\nChannel 0: Do you I had income wise here last time of you earning about a 100,000 per annum. Has your income increased at all?\n\nChannel 1: No. It's actually gone down, but it still works out pretty close to that anyway. So\n\nChannel 0: Yep. So\n\nChannel 1: yeah.\n\nChannel 0: based on the 100,000\n\nChannel 1: Yep.\n\nChannel 0: perfect. So based on that, the amount you could be insured at all for because income protection covers you for up to 70% of your income. That essentially means the monthly benefit needed is about 5,800 and\n\nChannel 1: Yep.\n\nChannel 0: 33. Realistically,\n\nChannel 1: Yep.\n\nChannel 0: you're just slightly under that, but these insurance policies do increase each time they go through renewal there as well. So we could look to increase that income protection policy for you, which does mean underwriting. Otherwise, we could let that go through the renewal process and have it essentially increase in value over time. Are you happy just to keep it increasing, or did you want\n\nChannel 1: Yeah.\n\nChannel 0: me to go\n\nChannel 1: Just\n\nChannel 0: forward and\n\nChannel 1: no.\n\nChannel 0: yeah.\n\nChannel 1: Just keep it increasing with survival therapy at TC.\n\nChannel 0: Yeah. Beautiful. Not a problem. We'll focus on the life and TBD component there. Excellent.\n\nChannel 1: Yes.\n\nChannel 0: The other thing to sort of double check is now you don't have any other types of insurances, things like trauma, child trauma, or any policies paid out of pocket. There are\n\nChannel 1: No.\n\nChannel 0: lots of different insurances we can essentially have. Realistically, we can insure every aspect of our life that it helps me paying premiums galore. But are you wanting to look at any additional insurances, or do you have any questions about what they are? Or\n\nChannel 1: No. No.\n\nChannel 0: no.\n\nChannel 1: Not\n\nChannel 0: That's okay.\n\nChannel 1: all good.\n\nChannel 0: Absolutely fine. Beautiful. Just kinda going through other circumstances we had is that you have one dependent at home. Is that still correct or any changes there?\n\nChannel 1: Yeah. Yep. She's silly. Right? She's 87.\n\nChannel 0: She's still there?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And I'm keeping Darren down here as your next of kin.\n\nChannel 1: Yes.\n\nChannel 0: Just double\n\nChannel 1: 100\n\nChannel 0: checking\n\nChannel 1: percent.\n\nChannel 0: that that's correct. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. We also had it down here that you were looking to pay off the caravan and take it out after the summer when it was cooler. That was the last time we sort of caught up. Your caravan, is that fully debt free, or do you still have the\n\nChannel 1: No. We\n\nChannel 0: the\n\nChannel 1: don't have\n\nChannel 0: loan on\n\nChannel 1: any\n\nChannel 0: that one?\n\nChannel 1: no. We don't have any debt on any of our vehicles or caravans. It's just mortgages.\n\nChannel 0: Beautiful. Excellent. And do you get out in the caravan very often?\n\nChannel 1: Well, in Karratha, it's already too hot again now, so it'll be another six\n\nChannel 0: Oh,\n\nChannel 1: months. So\n\nChannel 0: jeez.\n\nChannel 1: Yeah.\n\nChannel 0: Wow.\n\nChannel 1: Yeah.\n\nChannel 0: It's amazing how hot it gets over there so quickly, doesn't it?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Wow. That's insane. I was thinking about going over there next year, and I was sort of thinking sort of September, October would be a good time of year. Is that\n\nChannel 1: Well,\n\nChannel 0: the best\n\nChannel 1: up here,\n\nChannel 0: time to\n\nChannel 1: up\n\nChannel 0: visit\n\nChannel 1: North.\n\nChannel 0: WA?\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, down south. Yes. But not up here.\n\nChannel 0: Yeah.\n\nChannel 1: Not a chance. Not if\n\nChannel 0: You'd\n\nChannel 1: you're gonna\n\nChannel 0: say\n\nChannel 1: get to, like, South Of Carrapini. No. Smiley.\n\nChannel 0: yeah. Right. Do you reckon winter would be the best time to sort of head over where it's still quite hot, or what time of year is best\n\nChannel 1: Yeah.\n\nChannel 0: for you\n\nChannel 1: August,\n\nChannel 0: guys?\n\nChannel 1: September. Because you want it warm\n\nChannel 0: Yes.\n\nChannel 1: enough to swim and stuff. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Interesting. Interesting. I like to get that kind of feedback from people who live there because it's immensely different when you sort of think about the Northern side of WA to\n\nChannel 1: Oh,\n\nChannel 0: the southern\n\nChannel 1: yeah. People\n\nChannel 0: side of WA. The tension the\n\nChannel 1: correct.\n\nChannel 0: temperatures are\n\nChannel 1: Yeah.\n\nChannel 0: insane. Yeah.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Crazy. Oh, well, hopefully, you get out in your caravan soon. Do you have any trips planned or anything that you wanna do with the caravan down the track? Or\n\nChannel 1: Yeah. We're probably just travel Australia for a few months this year, but we moved to Queensland.\n\nChannel 0: I love that. Fantastic. I love that. It's when you move into your other property.\n\nChannel 1: Yeah.\n\nChannel 0: In Mackay?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. That'll be fantastic. And you I've got you down as being a business development manager. What sort of industry do you work in?\n\nChannel 1: That's probably not true now. I'm a a administrative something. You can just keep it as that. I just work in the electrical industry. I just help\n\nChannel 0: Okay.\n\nChannel 1: look after our electrical business, but but before I was in the electrical wholesaler. So electrical.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Fantastic. Electrical, and I'll put you down as administration. Fantastic. Excellent. Do you do anything\n\nChannel 1: yep.\n\nChannel 0: anything crazy? Do you work at heights, or do you have to go\n\nChannel 1: No.\n\nChannel 0: off-site and do anything heights like that? You're sort of in the office most of the time?\n\nChannel 1: Yeah. In the office car and yep.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. Nothing\n\nChannel 0: Beautiful.\n\nChannel 1: crazy. No.\n\nChannel 0: No. That's okay. And how long have you been doing this role for now?\n\nChannel 1: This one's only since May.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Yep. May 2026. And are you enjoying it?\n\nChannel 1: No. It's bullshit, but it pays the bills that I needed to have more time for my daughter.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Understandable.\n\nChannel 1: I could get another job later.\n\nChannel 0: Yeah. Absolutely. And are you sort of looking to move into something different when you move to Mackay, or you're sort of probably staying the same for the role? What's your thoughts then?\n\nChannel 1: Yeah. I have no idea. I'd have no idea. I'll find a job.\n\nChannel 0: See\n\nChannel 1: No\n\nChannel 0: what\n\nChannel 1: problem.\n\nChannel 0: comes. K?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And that's next year. You're looking to move to Mackay into that\n\nChannel 1: Yep.\n\nChannel 0: property?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Have you got, like, a plan as to when next year, or\n\nChannel 1: Yep.\n\nChannel 0: is it just\n\nChannel 1: We've\n\nChannel 0: sort of when\n\nChannel 1: gotta\n\nChannel 0: it\n\nChannel 1: be\n\nChannel 0: comes?\n\nChannel 1: no. No. So we probably leave here in May, and we've gotta be there before, like, the July 20.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, just a couple of months.\n\nChannel 0: Yeah. Beautiful. And do you sort of plan to move over there first and then kind of look for a job and see how things\n\nChannel 1: Yeah.\n\nChannel 0: are traveling? Or\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: We have already met some people who can potentially get us into work. If not, I've never had a problem getting a job, so it doesn't\n\nChannel 0: No.\n\nChannel 1: bother me. Yeah.\n\nChannel 0: Absolutely. No. Perfect. And do you think you'll sort of hopefully be on about the same money when you sort of move over there and take on a\n\nChannel 1: No.\n\nChannel 0: similar role?\n\nChannel 1: We realized you're not gonna get wages like you get here. Because they\n\nChannel 0: Yep.\n\nChannel 1: have to pay high\n\nChannel 0: Yeah.\n\nChannel 1: wages or no one will come. So we're well aware it's probably gonna drop $10 or what a year, but it's much cheaper to live there too. So it's easier.\n\nChannel 0: Yeah. Yeah. Absolutely. And, I mean, beautiful weather too and a whole different part of the country to\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: explore.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Love that. Excellent. Well, I've got a really good idea of where we're going with the updated advice piece. The other documents in there are looking essentially your Vanguard index chart that sorta outlines all the how investments work over time.\n\nI know we've probably gone through one of these with you there. Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep? At the moment, everything's pretty straightforward?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: It is\n\nChannel 0: That's right.\n\nChannel 1: it is what\n\nChannel 0: That's\n\nChannel 1: it is.\n\nChannel 0: right.\n\nChannel 1: Whatever you come\n\nChannel 0: Yeah.\n\nChannel 1: out\n\nChannel 0: That's\n\nChannel 1: with.\n\nChannel 0: well, I wanna do the best\n\nChannel 1: Yep.\n\nChannel 0: I can to make sure you come up with the most possible. That is for sure.\n\nChannel 1: Sounds good.\n\nChannel 0: The next document in there is your nearest income your nearest insurance policy. Sorry. So it does\n\nChannel 1: Yep.\n\nChannel 0: encompass your income protection as well as your current life and TPD. It just outlines a little bit more about how much you pay for those, how much you are covered for. I'll go back, as I said, and do some research to look at increasing your life and TPD components there for you as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. The next document in there is a bit of a boring one. It's our ongoing sorry. It's our financial services guide. It does essentially outline everything about who we are, what we do, and how we do it.\n\nIt also outlines any additional services. So we start with super insurances, but if you did need additional advice down the track, it outlines other areas that we can advise on. So\n\nChannel 1: Mhmm.\n\nChannel 0: we, you know, mostly help with super insurances. It's the main sort of area everyone's after trying to build. We all work really hard for thirty or forty years, so we wanna\n\nChannel 1: Yep.\n\nChannel 0: enjoy our time and come out with a good income stream.\n\nChannel 1: Yep.\n\nChannel 0: So that's where most people are sort of wanting the advice aspect. But if you're on the track, you want any additional advice, please feel free to let us know. It's got some glossy information in there about each of us as advisers and also our licensing numbers as well because we are registered with ASIC as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. The last document in there is the ongoing service agreement there. So, essentially, you are on an ongoing service fee of 1.10% that allows us to look after your super. Keep updating advice as well. We don't charge any implementation fees for looking after your super.\n\nAnd updating the advice is all part of this ongoing service agreement. And because yourself and Darren are both clients, you're on a lower fee of 1.10%. So down the track, that could all change. But right now, this is where we're at. We're not changing anything for yourself.\n\nWe just wanna make sure your sleep is working as hard as possible for you so that after you've worked your lifetime, you can enjoy the rest of your years in retirement, drawing an income, and hopefully traveling as much as you possibly can as well.\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Yeah. Once you've kinda gone through those, I will ask that you sign and return that one back for us. It's just allowing us to continue looking after everything and updating the advice for you as well. Okay?\n\nChannel 1: Yep. Can we do all that with\n\nChannel 0: The\n\nChannel 1: DocuSign\n\nChannel 0: last\n\nChannel 1: when you send it through?\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. The last document attached is the tax file number. So this is a new document. We just like to make sure we're updating our records. We let you know we do hold your tax file number because we serve your life insurance and your super funds.\n\nSo this is outlining how and why we do so, and we are very security conscious. There's a lot going on in the world at the moment with the different security issues. So we always call when we call you or you call us, we're always through security, making sure that we're protecting your identity and not providing any information to anyone that we shouldn't be. So\n\nChannel 1: Yep.\n\nChannel 0: these info these documents here just kinda outline that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Once you've gone through those, this is the same as DocuSign. It's OdooSign. It actually allows you to sign the documents. So once you've gone through, just click on the signature button. It'll help to prepopulate a signature the same as DocuSign does.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: once you've done each document, it'll come back to us automatically for you\n\nChannel 1: Yep.\n\nChannel 0: as well. Okay?\n\nChannel 1: Cool. Yep.\n\nChannel 0: Excellent. Beautiful. Just so I can update the advice for you, just a couple of additional things to sort of look at. Goal wise, are you hoping to be able to access super at around about the age of 60, or what's your goal for being able\n\nChannel 1: Yeah.\n\nChannel 0: to retire down the track?\n\nChannel 1: 58 to 60 would be nice. Yes.\n\nChannel 0: Yeah. The earliest you can under legislation is 60. So I'll work on that\n\nChannel 1: Yep.\n\nChannel 0: for the time being. And if we're\n\nChannel 1: Yep.\n\nChannel 0: lucky enough to get access earlier, I'll let you know.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Beautiful. Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably?\n\nChannel 1: No. Not really. Because, I mean, look, the world could be anything in twenty years.\n\nChannel 0: Oh,\n\nChannel 1: No.\n\nChannel 0: absolutely.\n\nChannel 1: We can't\n\nChannel 0: Yeah.\n\nChannel 1: even afford\n\nChannel 0: Definitely.\n\nChannel 1: to fill our fridges anymore. So, you know?\n\nChannel 0: I know. I know. It's insane,\n\nChannel 1: No.\n\nChannel 0: isn't it?\n\nChannel 1: Yeah. I mean, let's just say minimum wage of, like, 50 or 60,000. Let's\n\nChannel 0: Yeah.\n\nChannel 1: just say\n\nChannel 0: Beautiful.\n\nChannel 1: that for now.\n\nChannel 0: Yeah. Absolutely. And, look, what I sorta do, when you actually get close to retirement or when you're sort of telling me you're ready to retire, we then go through either a budget plan or look at what you need to live on in those years.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: we draw up a whole different plan to sort of look at what that does, how that\n\nChannel 1: Yep.\n\nChannel 0: looks. Right now, we're just wanting to make as much as we can in the super and have that grow as high as possible for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: 100\n\nChannel 0: Okay.\n\nChannel 1: percent. Yep.\n\nChannel 0: Excellent. Now I can I know you've got a lot going on with the newer property of this purchase and also moving next year? Are you at any point wanting to be able to make additional contributions to super, or you're happy just with what the employer puts in currently?\n\nChannel 1: Yeah. I mean, but does the government give you do they match it? I mean, what is the percentage these days? Let's say if you\n\nChannel 0: Yeah.\n\nChannel 1: do.\n\nChannel 0: No. So they actually don't. There are different ways of contributing depending on what you're wanting. The most common way is salary sacrifice, which is essentially helping to pay less income tax where your employer\n\nChannel 1: Yeah.\n\nChannel 0: puts a little bit extra out of your pretax income into super. You can also do it as a, like, a deductible contribution one off, which gives you a tax deduction. So as an example, if you had, you know, a spare 5,000 and you wanted to put that into super, to help give you a bit of a tax deduction, that would be transferred into super. We will claim a notice of intent. They call it a deductible contribution, and then they give you a letter to give to your, tax agent, and you can claim that $5,000 back as a tax deduction on your tax return.\n\nIt's a nice little way to help lower your income tax\n\nChannel 1: Yeah.\n\nChannel 0: and hopefully get a little bit back.\n\nChannel 1: Yes.\n\nChannel 0: You\n\nChannel 1: Definitely,\n\nChannel 0: can\n\nChannel 1: it's\n\nChannel 0: also\n\nChannel 1: only about next year once we get set up\n\nChannel 0: yeah.\n\nChannel 1: in the car. Yeah. Yeah. Maybe\n\nChannel 0: Absolutely.\n\nChannel 1: next annual meeting. Yep.\n\nChannel 0: What I'll do is I will make a maybe a little calendar invite for me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you. That way, we can have that conversation, talk\n\nChannel 1: Yeah.\n\nChannel 0: about what space you have, what you're after, and whether you wanna make that kind of a contribution. Does that sound okay?\n\nChannel 1: Yeah. That sounds good because it'll be right\n\nChannel 0: Yeah.\n\nChannel 1: before tax and when we leave. So, yeah, all of\n\nChannel 0: Yeah.\n\nChannel 1: it will help. Yep.\n\nChannel 0: Absolutely. The other way of doing it is a non concessional. This is an after tax contribution to still put the money in out of your bank account. The government, if you are within a certain tax bracket, which at the moment your income is slightly higher than the requirement,\n\nChannel 1: Yep.\n\nChannel 0: They can sort of give you what's called a government co contribution, but your income's a bit high for that. It's more meant for lower income earners\n\nChannel 1: Yep.\n\nChannel 0: who are contributing additional money to super, and they don't match it dollar for dollar. They have a cap. It's no more than 500 for the year, and you've gotta make a contribution of at least a thousand dollars. So it's more just about helping to boost lower income earners to put more into that super. It used to be dollar for dollar, but it's not anymore.\n\nIt's a shame,\n\nChannel 1: Yeah.\n\nChannel 0: really. I'm sure they could afford it. So\n\nChannel 1: Yeah. Exactly. Exactly. Yeah. No.\n\nDefinitely before tax next year.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely. I'll pop some in your\n\nChannel 1: rep.\n\nChannel 0: calendar to make sure I update that with you. Not a problem at all. Beautiful. I've got down here other goals are that you're looking to move next year to Mackay\n\nChannel 1: Uh-huh.\n\nChannel 0: and that you'll be renting your current main primary residence out.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any other goals that you're looking to achieve over the next couple of years at all? Or\n\nChannel 1: No. Not at this stage. Obviously, just\n\nChannel 0: No.\n\nChannel 1: working towards that that couple of months off and then move. So that's the problem.\n\nChannel 0: Yeah.\n\nChannel 1: Saving money for that. Yep.\n\nChannel 0: Absolutely. Fantastic. And just sort of looking to see if there's anything else. Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week. When\n\nChannel 1: Mhmm.\n\nChannel 0: would be preferable for them to give you a call to be able to do a quick pre assessment with you? Just so when we're updating the advice, we understand what kind of insurance contract may be offered.\n\nChannel 1: Yeah. So quarter to three, this 02:45 appointment, pretty much any day except\n\nChannel 0: K.\n\nChannel 1: Thursday is good for me.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: yep.\n\nChannel 0: Not a problem at all. I'll pop it in the calendar. Sorry. I'm just double checking the calendar. Give me one second.\n\nOkay. It's loading for me. Here we go. Perfect. Alright.\n\nSo Monday here is the king's birthday for us, but I could definitely do maybe Tuesday next week. Would that be okay, the same\n\nChannel 1: Yep.\n\nChannel 0: time?\n\nChannel 1: Yep. Perfect. Yep.\n\nChannel 0: Fantastic. I'll pop that one in there, and my colleague, Caden, will give you a call. I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and\n\nChannel 1: Mhmm.\n\nChannel 0: sorta give you an idea of what the expectation is with increasing the insurances. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic. Excellent. And then after that call, he'll book in your advice presentation for a few weeks after that to make it easier for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The only other thing to sort of double check is have you got a will power of attorney documents in place? Have you ever seen a solicitor and drawn up those sorts of documents in the past?\n\nChannel 1: No. So we did see solicitor, and he wanted to charge me stupid amounts of money. So we have got a\n\nChannel 0: Yeah.\n\nChannel 1: will. I've got a\n\nChannel 0: Okay.\n\nChannel 1: beneficiary. It's all just done, obviously, like the post office one. But, yes, everything\n\nChannel 0: Yeah.\n\nChannel 1: has\n\nChannel 0: That's\n\nChannel 1: been done,\n\nChannel 0: okay.\n\nChannel 1: and they have a copy of my beneficiary and a copy of it too soon.\n\nChannel 0: Oh, beautiful. So you've got all those documents done. You just did the the the ones in the post office to make it easier.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. For\n\nChannel 0: Absolutely.\n\nChannel 1: now. Yep.\n\nChannel 0: No. That's okay. That's not a problem at all. Fantastic. Now the last thing I wanted to run through with you is just an updated risk profile just to make sure that you are invested correctly and that your risk appetite hasn't changed at all.\n\nThe the same as that you what you have sort of answered over the last couple of years, which makes it easy for you. The first one here is have you ever owned any shares? I've got down that you've never owned shares or investments\n\nChannel 1: No.\n\nChannel 0: in your own name. You don't own any shares or cryptocurrency or anything?\n\nChannel 1: No. No.\n\nChannel 0: No? That's okay. The next one here, I'll tick off for you because you have longer than ten years ahead of you before being able to access super.\n\nChannel 1: Mhmm.\n\nChannel 0: The next question here is about inflation, and it says, how much risk do you feel comfortable taking to make sure your returns are keeping up with inflation over the longer term? Are you comfortable taking on a higher level of risk to obtain greater potential returns that over time beat inflation? You may be comfortable with a moderate or medium amount of risk to, again, try to get the best returns possible, or are you not comfortable taking risk and understand the returns are lower because of that? Where do you think you fit?\n\nChannel 1: Not for twelve months. I wanna try high.\n\nChannel 0: Yep. Beautiful. Excellent. The next one here, it says that if in six months after changing or altering your portfolio or if you look down six months down the track and we saw due to what was happening in the markets, generally, the portfolio fell by 20%, how might you be feeling? Are you possibly thinking it's an investment opportunity?\n\nWe'll put some more money into the dip and take advantage of that. Are you a bit concerned, maybe holding and waiting, calling us, or are you really scared and wanting to move your money into cash? How do you think you might react?\n\nChannel 1: Oh, I don't know. I don't I don't watch the news. I\n\nChannel 0: Not\n\nChannel 1: don't\n\nChannel 0: a bad\n\nChannel 1: know.\n\nChannel 0: thing.\n\nChannel 1: Yeah. Yeah. I don't know. It is what it is, isn't it? So\n\nChannel 0: Do\n\nChannel 1: you win,\n\nChannel 0: you think\n\nChannel 1: you\n\nChannel 0: maybe\n\nChannel 1: lose.\n\nChannel 0: you'd hold and wait and maybe call us and have a chat to see what we think you\n\nChannel 1: Yeah.\n\nChannel 0: do?\n\nChannel 1: Yeah. I mean, I\n\nChannel 0: Yep.\n\nChannel 1: don't even check my super, to be honest, mate. So yeah.\n\nChannel 0: That's okay. Absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. The last one I have here is thinking about investments. Have you ever thought about borrowing to invest in shares or manage funds, or have you only ever wanted and or borrowed for property?\n\nChannel 1: No. I don't think I'd borrow for shares. If I ever bought shares, it would be out of our money. But definitely,\n\nChannel 0: Yeah.\n\nChannel 1: we would love to get get into that, but we just need to get the cash flow going soon.\n\nChannel 0: Yeah. Absolutely. Well, down the track, you're welcome to let me know. We can absolutely help and advise in that area. It is also a great way to sort of think about with your investment properties and other investments in say shares or portfolio similar to your super.\n\nThose sorts of things can grow over time. And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well. So\n\nChannel 1: Yeah.\n\nChannel 0: down the\n\nChannel 1: Yeah.\n\nChannel 0: track, we can always have those conversations and assist you.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now at the moment, you've scored it as a high growth investor. We currently have you in a high growth environment. That sees 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities.\n\nAnd then the other sort of 10% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of environment you're looking to obtain anywhere between sort of a 10 to 12% return on a yearly basis, you are taking more risk in the market. So we do understand a negative return is likely sort of one in every six years. Do you feel comfortable staying in this environment? You said you were happy for another twelve months.\n\nIs that accurate?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep. Beautiful. It definitely suits your time horizon because you have more than ten years ahead of you. This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that. So\n\nChannel 1: Yep.\n\nChannel 0: it does set your time horizon. You've got the risk capacity there. You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment. I'll just alter your portfolio to remove some underperforming investments and\n\nChannel 1: Yep. Yep.\n\nChannel 0: also look at your insurances, and we'll look at how that's tracking over the next five to ten years. And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution. How does that\n\nChannel 1: Yep.\n\nChannel 0: sound?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Beautiful. I'll also get your beneficiaries up to date, prefilled, and sent out to you by email. I'll get my team to follow through with that tomorrow for you.\n\nChannel 1: Yep.\n\nChannel 0: Is\n\nChannel 1: Yep.\n\nChannel 0: there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you?\n\nChannel 1: Nah. All good. Thank you.\n\nChannel 0: No? Beautiful. Thank you so much. So what I'll do is I'll let you go, and I'll get stuck into the research there. My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you\n\nChannel 1: Yep.\n\nChannel 0: as well. And\n\nChannel 1: Perfect.\n\nChannel 0: if you find you have any questions in the meantime, let me know. And if you can\n\nChannel 1: Perfect.\n\nChannel 0: just sign and return that audio sign, that would be fabulous. Okay?\n\nChannel 1: Yep. Perfect. Thank you so much.\n\nChannel 0: My pleasure, Lisa. Have a great afternoon. Enjoy the rest\n\nChannel 1: Yep.\n\nChannel 0: of your public holiday.\n\nChannel 1: Yeah. We will. Thank you so much.\n\nChannel 0: Thank you. Talk soon. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.02893521450459957}],"sentiment":"neutral","sentiment_score":0.02893521450459957,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hi, Alyssa.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.12459107115864754},{"text":"This is Dana from Okie Financial.","start":2.8799999,"end":4.5,"sentiment":"neutral","sentiment_score":0.15159878631432852},{"text":"How are you this afternoon?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.19277583658695222}],"sentiment":"neutral","sentiment_score":0.1632810802413867,"channel":0,"num_words":13,"start":2.24,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":0.2568301856517792},{"text":"Good.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5103232264518738},{"text":"Thank you.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5578456819057465},{"text":"Yourself?","start":7.2799997,"end":7.7799997,"sentiment":"positive","sentiment_score":0.418529748916626}],"sentiment":"positive","sentiment_score":0.46027490496635437,"channel":1,"num_words":5,"start":6.24,"end":7.7799997},{"sentences":[{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5783578356107076},{"text":"Thank you.","start":9.04,"end":9.36,"sentiment":"positive","sentiment_score":0.6353297531604767},{"text":"Thanks for asking.","start":9.36,"end":10.24,"sentiment":"positive","sentiment_score":0.6206650336583456},{"text":"I had your booking through to go through your annual review.","start":10.24,"end":12.32,"sentiment":"neutral","sentiment_score":0.29079876704649493},{"text":"Is now still a good time there for you?","start":12.32,"end":14.34,"sentiment":"neutral","sentiment_score":0.27388067212369704}],"sentiment":"positive","sentiment_score":0.3761228785983154,"channel":0,"num_words":28,"start":8.16,"end":14.34},{"sentences":[{"text":"Yep.","start":14.0,"end":14.415,"sentiment":"neutral","sentiment_score":0.13909688591957092},{"text":"Yep.","start":14.655,"end":14.8949995,"sentiment":"neutral","sentiment_score":0.19418303668498993},{"text":"Absolutely.","start":14.8949995,"end":15.3949995,"sentiment":"positive","sentiment_score":0.5371861457824707}],"sentiment":"neutral","sentiment_score":0.2901553561290105,"channel":1,"num_words":3,"start":14.0,"end":15.3949995},{"sentences":[{"text":"Fantastic.","start":16.415,"end":16.915,"sentiment":"positive","sentiment_score":0.6666195392608643},{"text":"How's your day been so far?","start":17.215,"end":18.915,"sentiment":"positive","sentiment_score":0.3448348293701808}],"sentiment":"positive","sentiment_score":0.3908040736402784,"channel":0,"num_words":7,"start":16.415,"end":18.915},{"sentences":[{"text":"Oh, yeah.","start":19.215,"end":19.775,"sentiment":"neutral","sentiment_score":0.0878208726644516},{"text":"Not too bad.","start":19.775,"end":20.255,"sentiment":"neutral","sentiment_score":0.09838081647952397},{"text":"We're on a public holiday here in Western Australia.","start":20.255,"end":22.595,"sentiment":"neutral","sentiment_score":0.0843871393137508},{"text":"So","start":22.735,"end":23.215,"sentiment":"neutral","sentiment_score":0.09657919406890868}],"sentiment":"neutral","sentiment_score":0.08845650951067606,"channel":1,"num_words":15,"start":19.215,"end":23.215},{"sentences":[{"text":"Oh, perfect.","start":23.295,"end":24.515,"sentiment":"neutral","sentiment_score":0.29850268363952637}],"sentiment":"neutral","sentiment_score":0.29850268363952637,"channel":0,"num_words":2,"start":23.295,"end":24.515},{"sentences":[{"text":"yes.","start":26.175,"end":26.675,"sentiment":"neutral","sentiment_score":0.19128546118736267}],"sentiment":"neutral","sentiment_score":0.19128546118736267,"channel":1,"num_words":1,"start":26.175,"end":26.675},{"sentences":[{"text":"Excellent.","start":26.415,"end":26.915,"sentiment":"neutral","sentiment_score":0.30641430616378784},{"text":"What public holiday is it?","start":27.055,"end":28.74,"sentiment":"neutral","sentiment_score":0.0944158136844635}],"sentiment":"neutral","sentiment_score":0.1297488957643509,"channel":0,"num_words":6,"start":26.415,"end":28.74},{"sentences":[{"text":"The king's birthday?","start":29.220001,"end":30.28,"sentiment":"neutral","sentiment_score":0.06325303887327512}],"sentiment":"neutral","sentiment_score":0.06325303887327512,"channel":1,"num_words":3,"start":29.220001,"end":30.28},{"sentences":[{"text":"Nice.","start":31.38,"end":31.779999,"sentiment":"neutral","sentiment_score":0.22227202355861664},{"text":"Yeah.","start":31.779999,"end":32.1,"sentiment":"neutral","sentiment_score":0.1072527915239334},{"text":"Ours is next Monday,","start":32.1,"end":33.46,"sentiment":"neutral","sentiment_score":0.09791449643671513}],"sentiment":"neutral","sentiment_score":0.12019713347156842,"channel":0,"num_words":6,"start":31.38,"end":33.46},{"sentences":[{"text":"Yeah.","start":33.22,"end":33.3,"sentiment":"neutral","sentiment_score":0.11554930359125136},{"text":"Next","start":33.3,"end":33.62,"sentiment":"neutral","sentiment_score":0.12809500098228457}],"sentiment":"neutral","sentiment_score":0.12182215228676796,"channel":1,"num_words":2,"start":33.22,"end":33.62},{"sentences":[{"text":"so","start":33.46,"end":33.78,"sentiment":"neutral","sentiment_score":0.1417958289384842}],"sentiment":"neutral","sentiment_score":0.1417958289384842,"channel":0,"num_words":1,"start":33.46,"end":33.78},{"sentences":[{"text":"week.","start":33.62,"end":34.02,"sentiment":"neutral","sentiment_score":0.17407310009002686}],"sentiment":"neutral","sentiment_score":0.17407310009002686,"channel":1,"num_words":1,"start":33.62,"end":34.02},{"sentences":[{"text":"we'll","start":33.78,"end":34.02,"sentiment":"neutral","sentiment_score":0.2591729462146759}],"sentiment":"neutral","sentiment_score":0.2591729462146759,"channel":0,"num_words":1,"start":33.78,"end":34.02},{"sentences":[{"text":"Yeah.","start":34.02,"end":34.34,"sentiment":"neutral","sentiment_score":0.2209206521511078}],"sentiment":"neutral","sentiment_score":0.2209206521511078,"channel":1,"num_words":1,"start":34.02,"end":34.34},{"sentences":[{"text":"enjoy","start":34.02,"end":34.34,"sentiment":"neutral","sentiment_score":0.28149157762527466}],"sentiment":"neutral","sentiment_score":0.28149157762527466,"channel":0,"num_words":1,"start":34.02,"end":34.34},{"sentences":[{"text":"Yeah.","start":34.34,"end":34.84,"sentiment":"neutral","sentiment_score":0.11169063299894331}],"sentiment":"neutral","sentiment_score":0.11169063299894331,"channel":1,"num_words":1,"start":34.34,"end":34.84},{"sentences":[{"text":"that.","start":34.34,"end":34.66,"sentiment":"neutral","sentiment_score":0.19444873929023743},{"text":"Yeah.","start":34.66,"end":35.16,"sentiment":"neutral","sentiment_score":0.07437050342559814}],"sentiment":"neutral","sentiment_score":0.13440962135791779,"channel":0,"num_words":2,"start":34.34,"end":35.16},{"sentences":[{"text":"Yeah.","start":35.46,"end":35.96,"sentiment":"neutral","sentiment_score":0.055172599852085114}],"sentiment":"neutral","sentiment_score":0.055172599852085114,"channel":1,"num_words":1,"start":35.46,"end":35.96},{"sentences":[{"text":"No.","start":35.94,"end":36.26,"sentiment":"neutral","sentiment_score":0.03624342381954193},{"text":"All good, Lisa.","start":36.26,"end":37.239998,"sentiment":"neutral","sentiment_score":0.11852328479290009},{"text":"Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward?","start":37.54,"end":42.34,"sentiment":"neutral","sentiment_score":0.058108233887216316},{"text":"Are you happy for us to","start":42.34,"end":43.605,"sentiment":"neutral","sentiment_score":0.17560557027657828}],"sentiment":"neutral","sentiment_score":0.08430109331102083,"channel":0,"num_words":33,"start":35.94,"end":43.605},{"sentences":[{"text":"Yep.","start":44.585,"end":45.065,"sentiment":"neutral","sentiment_score":0.2411025762557983},{"text":"Sure.","start":45.065,"end":45.565,"sentiment":"neutral","sentiment_score":0.31092220544815063}],"sentiment":"neutral","sentiment_score":0.2760123908519745,"channel":1,"num_words":2,"start":44.585,"end":45.565},{"sentences":[{"text":"Fantastic.","start":46.005,"end":46.505,"sentiment":"positive","sentiment_score":0.459393322467804},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there.","start":46.645,"end":52.825,"sentiment":"neutral","sentiment_score":0.18435388455788296}],"sentiment":"neutral","sentiment_score":0.19322612449046103,"channel":0,"num_words":31,"start":46.005,"end":52.825},{"sentences":[{"text":"Yeah.","start":53.065,"end":53.385,"sentiment":"neutral","sentiment_score":0.05613034218549728},{"text":"It's 4 Ridley Street in Bolgara, and my full","start":53.385,"end":56.585,"sentiment":"neutral","sentiment_score":0.0696488469839096}],"sentiment":"neutral","sentiment_score":0.06829699650406837,"channel":1,"num_words":10,"start":53.065,"end":56.585},{"sentences":[{"text":"Yep.","start":56.405,"end":56.52,"sentiment":"neutral","sentiment_score":0.0878322571516037}],"sentiment":"neutral","sentiment_score":0.0878322571516037,"channel":0,"num_words":1,"start":56.405,"end":56.52},{"sentences":[{"text":"name is Lisa McAlone.","start":56.585,"end":58.280003,"sentiment":"neutral","sentiment_score":0.07668748684227467},{"text":"And sorry.","start":59.22,"end":59.86,"sentiment":"neutral","sentiment_score":0.007777548860758542},{"text":"What else did you mean?","start":59.86,"end":60.74,"sentiment":"neutral","sentiment_score":0.0025132160633802416},{"text":"My phone number.","start":60.74,"end":61.8,"sentiment":"neutral","sentiment_score":0.0007654464182754358}],"sentiment":"neutral","sentiment_score":0.024083390333024517,"channel":1,"num_words":14,"start":56.585,"end":61.8},{"sentences":[{"text":"No, sir.","start":62.6,"end":63.0,"sentiment":"neutral","sentiment_score":-0.0031590063590556383},{"text":"Date of birth, address,","start":63.0,"end":64.22,"sentiment":"neutral","sentiment_score":0.0029983838321641088}],"sentiment":"neutral","sentiment_score":0.0009459204350908598,"channel":0,"num_words":6,"start":62.6,"end":64.22},{"sentences":[{"text":"Oh,","start":64.18,"end":64.68,"sentiment":"neutral","sentiment_score":0.0043409657664597034}],"sentiment":"neutral","sentiment_score":0.0043409657664597034,"channel":1,"num_words":1,"start":64.18,"end":64.68},{"sentences":[{"text":"and","start":64.36,"end":64.86,"sentiment":"neutral","sentiment_score":0.0018988410010933876}],"sentiment":"neutral","sentiment_score":0.0018988410010933876,"channel":0,"num_words":1,"start":64.36,"end":64.86},{"sentences":[{"text":"sorry.","start":64.9,"end":65.22,"sentiment":"neutral","sentiment_score":0.0032485704869031906},{"text":"Twenty thirty first nineteen eighty 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been performing very nicely, and we're very happy with it.","start":235.025,"end":239.36499,"sentiment":"positive","sentiment_score":0.5791831740311214},{"text":"However, the Australian Equities won the first one at the top.","start":239.665,"end":242.385,"sentiment":"neutral","sentiment_score":-0.04725371165709062}],"sentiment":"neutral","sentiment_score":0.17833373435432948,"channel":0,"num_words":63,"start":225.68,"end":242.385},{"sentences":[{"text":"There has taken a little bit of a dip.","start":242.385,"end":244.065,"sentiment":"negative","sentiment_score":-0.368131591214074},{"text":"So I've been looking to maybe replace that as it has been underperforming slightly,","start":244.065,"end":248.64499,"sentiment":"neutral","sentiment_score":-0.2655824827296393}],"sentiment":"neutral","sentiment_score":-0.30571039474528766,"channel":0,"num_words":23,"start":242.385,"end":248.64499},{"sentences":[{"text":"Yep.","start":249.24501,"end":249.74501,"sentiment":"neutral","sentiment_score":-0.10817822068929672}],"sentiment":"neutral","sentiment_score":-0.10817822068929672,"channel":1,"num_words":1,"start":249.24501,"end":249.74501},{"sentences":[{"text":"and the rest of the Australian market's actually doing quite well and has been up over all for the years.","start":249.39,"end":254.11,"sentiment":"neutral","sentiment_score":0.11516218408942222},{"text":"So I would like to maybe look at removing that investment for you.","start":254.11,"end":257.81,"sentiment":"neutral","sentiment_score":-0.19557737501767966},{"text":"The other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China.","start":258.03,"end":265.76498,"sentiment":"neutral","sentiment_score":-0.03767828378253258},{"text":"That","start":266.38498,"end":266.625,"sentiment":"neutral","sentiment_score":-0.00448189303278923}],"sentiment":"neutral","sentiment_score":-0.020389657747000457,"channel":0,"num_words":60,"start":249.39,"end":266.625},{"sentences":[{"text":"Uh-huh.","start":266.415,"end":266.915,"sentiment":"neutral","sentiment_score":0.002167286118492484}],"sentiment":"neutral","sentiment_score":0.002167286118492484,"channel":1,"num_words":1,"start":266.415,"end":266.915},{"sentences":[{"text":"was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there.","start":266.625,"end":276.54498,"sentiment":"neutral","sentiment_score":-0.14679184244122617},{"text":"So that one is essentially underperforming pretty significantly as well 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well.","start":284.0,"end":290.97998,"sentiment":"neutral","sentiment_score":0.3024434794982274}],"sentiment":"neutral","sentiment_score":0.3024434794982274,"channel":0,"num_words":27,"start":284.0,"end":290.97998},{"sentences":[{"text":"Yep.","start":291.24,"end":291.74,"sentiment":"neutral","sentiment_score":0.0942012220621109}],"sentiment":"neutral","sentiment_score":0.0942012220621109,"channel":1,"num_words":1,"start":291.24,"end":291.74},{"sentences":[{"text":"When we sort of think about investments in the way the types of investments are, we have different ways of investing.","start":292.045,"end":297.825,"sentiment":"neutral","sentiment_score":0.05135486115302358},{"text":"One of those is called active management.","start":298.20502,"end":300.305,"sentiment":"neutral","sentiment_score":0.0925687061888831},{"text":"So that's investing in managers who are actively trying to outperform against the market.","start":300.36502,"end":305.745,"sentiment":"neutral","sentiment_score":0.10890055873564311},{"text":"That's what that original BANALONG one.","start":306.08,"end":308.34,"sentiment":"neutral","sentiment_score":0.10003282378117244},{"text":"So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged.","start":308.4,"end":315.7,"sentiment":"neutral","sentiment_score":0.1722166754771024}],"sentiment":"neutral","sentiment_score":0.1170271425973624,"channel":0,"num_words":80,"start":292.045,"end":315.7},{"sentences":[{"text":"And, overall, they're trying to outperform against the market.","start":316.24,"end":319.14,"sentiment":"neutral","sentiment_score":0.200260604162597},{"text":"Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa.","start":319.685,"end":325.145,"sentiment":"neutral","sentiment_score":-0.0009281037544662303},{"text":"Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you?","start":325.76498,"end":335.68002,"sentiment":"neutral","sentiment_score":0.033013913388315},{"text":"What would you sort of prefer?","start":335.68002,"end":336.88,"sentiment":"neutral","sentiment_score":0.014060532984634241},{"text":"How would you 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drive?","start":918.79,"end":920.64996,"sentiment":"neutral","sentiment_score":0.010525110177695751}],"sentiment":"neutral","sentiment_score":0.047183260920324495,"channel":0,"num_words":14,"start":917.02997,"end":920.64996},{"sentences":[{"text":"Yeah.","start":920.52997,"end":920.85,"sentiment":"neutral","sentiment_score":0.003958452492952347},{"text":"Yeah.","start":920.85,"end":921.17,"sentiment":"neutral","sentiment_score":0.0035531814210116863},{"text":"So we've just got one car.","start":921.17,"end":922.69,"sentiment":"neutral","sentiment_score":0.008897270852078995},{"text":"It's a 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about","start":937.38495,"end":938.345,"sentiment":"neutral","sentiment_score":-0.025160636752843857}],"sentiment":"neutral","sentiment_score":0.09677397858883653,"channel":0,"num_words":21,"start":932.665,"end":938.345},{"sentences":[{"text":"others.","start":938.265,"end":938.5317,"sentiment":"neutral","sentiment_score":-0.016395505517721176}],"sentiment":"neutral","sentiment_score":-0.016395505517721176,"channel":1,"num_words":1,"start":938.265,"end":938.5317},{"sentences":[{"text":"38","start":938.345,"end":938.90497,"sentiment":"neutral","sentiment_score":-0.015367976389825344}],"sentiment":"neutral","sentiment_score":-0.015367976389825344,"channel":0,"num_words":1,"start":938.345,"end":938.90497},{"sentences":[{"text":"We 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years ahead of you.","start":2182.46,"end":2186.7998,"sentiment":"neutral","sentiment_score":0.30961099453270435},{"text":"This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that.","start":2187.02,"end":2192.22,"sentiment":"neutral","sentiment_score":0.14378042314201595},{"text":"So","start":2192.22,"end":2192.46,"sentiment":"neutral","sentiment_score":0.12702800333499908}],"sentiment":"neutral","sentiment_score":0.2221318996296479,"channel":0,"num_words":39,"start":2181.74,"end":2192.46},{"sentences":[{"text":"Yep.","start":2192.3901,"end":2192.8901,"sentiment":"neutral","sentiment_score":0.17114083468914032}],"sentiment":"neutral","sentiment_score":0.17114083468914032,"channel":1,"num_words":1,"start":2192.3901,"end":2192.8901},{"sentences":[{"text":"it does set your time horizon.","start":2192.46,"end":2194.0598,"sentiment":"neutral","sentiment_score":0.1653913458188375},{"text":"You've got the risk capacity there.","start":2194.0598,"end":2195.835,"sentiment":"neutral","sentiment_score":0.12380088865756989},{"text":"You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment.","start":2196.075,"end":2201.435,"sentiment":"neutral","sentiment_score":0.24062655238728775},{"text":"I'll just alter your portfolio to remove some underperforming investments and","start":2201.435,"end":2205.515,"sentiment":"neutral","sentiment_score":0.03176801313053478}],"sentiment":"neutral","sentiment_score":0.1584882392060189,"channel":0,"num_words":42,"start":2192.46,"end":2205.515},{"sentences":[{"text":"Yep.","start":2205.35,"end":2205.51,"sentiment":"neutral","sentiment_score":0.048462312668561935},{"text":"Yep.","start":2205.51,"end":2206.01,"sentiment":"neutral","sentiment_score":0.06826281547546387}],"sentiment":"neutral","sentiment_score":0.0583625640720129,"channel":1,"num_words":2,"start":2205.35,"end":2206.01},{"sentences":[{"text":"also look at your insurances, and we'll look at how that's tracking over the next five to ten years.","start":2205.515,"end":2210.095,"sentiment":"neutral","sentiment_score":0.08069669200401557},{"text":"And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution.","start":2210.1802,"end":2217.4001,"sentiment":"neutral","sentiment_score":0.11813884973526001},{"text":"How does that","start":2217.54,"end":2218.1802,"sentiment":"neutral","sentiment_score":0.08425537000099818}],"sentiment":"neutral","sentiment_score":0.10154596328431247,"channel":0,"num_words":49,"start":2205.515,"end":2218.1802},{"sentences":[{"text":"Yep.","start":2218.125,"end":2218.625,"sentiment":"neutral","sentiment_score":0.07231634110212326}],"sentiment":"neutral","sentiment_score":0.07231634110212326,"channel":1,"num_words":1,"start":2218.125,"end":2218.625},{"sentences":[{"text":"sound?","start":2218.1802,"end":2218.6802,"sentiment":"neutral","sentiment_score":0.0932554304599762}],"sentiment":"neutral","sentiment_score":0.0932554304599762,"channel":0,"num_words":1,"start":2218.1802,"end":2218.6802},{"sentences":[{"text":"Yep.","start":2218.765,"end":2219.085,"sentiment":"neutral","sentiment_score":0.1380448937416077},{"text":"Sounds good.","start":2219.085,"end":2219.905,"sentiment":"positive","sentiment_score":0.3503834009170532}],"sentiment":"neutral","sentiment_score":0.27960389852523804,"channel":1,"num_words":3,"start":2218.765,"end":2219.905},{"sentences":[{"text":"Yep.","start":2219.4602,"end":2219.9602,"sentiment":"neutral","sentiment_score":0.2518848776817322},{"text":"Beautiful.","start":2220.34,"end":2220.84,"sentiment":"positive","sentiment_score":0.501646101474762},{"text":"I'll also get your beneficiaries up to date, prefilled, and sent out to you by email.","start":2221.2202,"end":2225.425,"sentiment":"positive","sentiment_score":0.3426669351756573},{"text":"I'll get my team to follow through with that tomorrow for you.","start":2225.425,"end":2228.2449,"sentiment":"neutral","sentiment_score":0.29166023433208466}],"sentiment":"neutral","sentiment_score":0.32453749179840086,"channel":0,"num_words":30,"start":2219.4602,"end":2228.2449},{"sentences":[{"text":"Yep.","start":2227.97,"end":2228.47,"sentiment":"neutral","sentiment_score":0.09696515649557114}],"sentiment":"neutral","sentiment_score":0.09696515649557114,"channel":1,"num_words":1,"start":2227.97,"end":2228.47},{"sentences":[{"text":"Is","start":2228.465,"end":2228.625,"sentiment":"neutral","sentiment_score":0.07949196547269821}],"sentiment":"neutral","sentiment_score":0.07949196547269821,"channel":0,"num_words":1,"start":2228.465,"end":2228.625},{"sentences":[{"text":"Yep.","start":2228.53,"end":2229.03,"sentiment":"neutral","sentiment_score":0.08455916494131088}],"sentiment":"neutral","sentiment_score":0.08455916494131088,"channel":1,"num_words":1,"start":2228.53,"end":2229.03},{"sentences":[{"text":"there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you?","start":2228.625,"end":2234.005,"sentiment":"neutral","sentiment_score":0.10432307098222815}],"sentiment":"neutral","sentiment_score":0.10432307098222815,"channel":0,"num_words":23,"start":2228.625,"end":2234.005},{"sentences":[{"text":"Nah.","start":2234.29,"end":2234.69,"sentiment":"neutral","sentiment_score":-0.03943762928247452},{"text":"All good.","start":2234.69,"end":2235.3298,"sentiment":"neutral","sentiment_score":0.2987115830183029},{"text":"Thank you.","start":2235.3298,"end":2236.15,"sentiment":"positive","sentiment_score":0.4038469046354294}],"sentiment":"neutral","sentiment_score":0.273135869204998,"channel":1,"num_words":5,"start":2234.29,"end":2236.15},{"sentences":[{"text":"No?","start":2235.95,"end":2236.3499,"sentiment":"neutral","sentiment_score":0.1845981776714325},{"text":"Beautiful.","start":2236.3499,"end":2236.8499,"sentiment":"positive","sentiment_score":0.6327782869338989},{"text":"Thank you so much.","start":2236.99,"end":2237.8699,"sentiment":"positive","sentiment_score":0.69850654900074},{"text":"So what I'll do is I'll let you go, and I'll get stuck into the research there.","start":2237.8699,"end":2241.17,"sentiment":"neutral","sentiment_score":0.2852979679318035},{"text":"My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you","start":2241.63,"end":2246.51,"sentiment":"neutral","sentiment_score":0.208496976055597}],"sentiment":"neutral","sentiment_score":0.29578358715488795,"channel":0,"num_words":42,"start":2235.95,"end":2246.51},{"sentences":[{"text":"Yep.","start":2246.415,"end":2246.915,"sentiment":"neutral","sentiment_score":0.1271483600139618}],"sentiment":"neutral","sentiment_score":0.1271483600139618,"channel":1,"num_words":1,"start":2246.415,"end":2246.915},{"sentences":[{"text":"as well.","start":2246.51,"end":2247.23,"sentiment":"neutral","sentiment_score":0.14860060065984726},{"text":"And","start":2247.23,"end":2247.39,"sentiment":"neutral","sentiment_score":0.2779601514339447}],"sentiment":"neutral","sentiment_score":0.19172045091787973,"channel":0,"num_words":3,"start":2246.51,"end":2247.39},{"sentences":[{"text":"Perfect.","start":2247.375,"end":2247.875,"sentiment":"positive","sentiment_score":0.5033636093139648}],"sentiment":"positive","sentiment_score":0.5033636093139648,"channel":1,"num_words":1,"start":2247.375,"end":2247.875},{"sentences":[{"text":"if you find you have any questions in the meantime, let me know.","start":2247.39,"end":2250.45,"sentiment":"neutral","sentiment_score":0.2828742047915092},{"text":"And if you can","start":2250.615,"end":2251.255,"sentiment":"neutral","sentiment_score":0.11112545058131218}],"sentiment":"neutral","sentiment_score":0.2424627332126393,"channel":0,"num_words":17,"start":2247.39,"end":2251.255},{"sentences":[{"text":"Perfect.","start":2251.1099,"end":2251.6099,"sentiment":"neutral","sentiment_score":0.16317018866539}],"sentiment":"neutral","sentiment_score":0.16317018866539,"channel":1,"num_words":1,"start":2251.1099,"end":2251.6099},{"sentences":[{"text":"just sign and return that audio sign, that would be fabulous.","start":2251.255,"end":2253.9949,"sentiment":"neutral","sentiment_score":0.31279406357895245},{"text":"Okay?","start":2254.215,"end":2254.715,"sentiment":"neutral","sentiment_score":0.22060498595237732}],"sentiment":"neutral","sentiment_score":0.3051116404434045,"channel":0,"num_words":12,"start":2251.255,"end":2254.715},{"sentences":[{"text":"Yep.","start":2254.47,"end":2254.8699,"sentiment":"neutral","sentiment_score":0.2504322826862335},{"text":"Perfect.","start":2254.8699,"end":2255.3499,"sentiment":"positive","sentiment_score":0.6419544219970703},{"text":"Thank you so much.","start":2255.3499,"end":2256.41,"sentiment":"positive","sentiment_score":0.8014802187681198}],"sentiment":"positive","sentiment_score":0.6830512632926306,"channel":1,"num_words":6,"start":2254.47,"end":2256.41},{"sentences":[{"text":"My pleasure, Lisa.","start":2256.615,"end":2257.655,"sentiment":"positive","sentiment_score":0.8027976353963217},{"text":"Have a great afternoon.","start":2257.655,"end":2258.615,"sentiment":"positive","sentiment_score":0.7893854677677155},{"text":"Enjoy the rest","start":2258.615,"end":2259.095,"sentiment":"positive","sentiment_score":0.6833525896072388}],"sentiment":"positive","sentiment_score":0.7615992546081543,"channel":0,"num_words":10,"start":2256.615,"end":2259.095},{"sentences":[{"text":"Yep.","start":2259.03,"end":2259.53,"sentiment":"positive","sentiment_score":0.3376956582069397}],"sentiment":"positive","sentiment_score":0.3376956582069397,"channel":1,"num_words":1,"start":2259.03,"end":2259.53},{"sentences":[{"text":"of your public holiday.","start":2259.095,"end":2260.235,"sentiment":"positive","sentiment_score":0.423640601336956}],"sentiment":"positive","sentiment_score":0.423640601336956,"channel":0,"num_words":4,"start":2259.095,"end":2260.235},{"sentences":[{"text":"Yeah.","start":2260.3098,"end":2260.55,"sentiment":"neutral","sentiment_score":0.2341296523809433},{"text":"We will.","start":2260.55,"end":2261.03,"sentiment":"neutral","sentiment_score":0.2998112440109253},{"text":"Thank you so much.","start":2261.03,"end":2262.17,"sentiment":"positive","sentiment_score":0.7440327703952789}],"sentiment":"positive","sentiment_score":0.544269031711987,"channel":1,"num_words":7,"start":2260.3098,"end":2262.17},{"sentences":[{"text":"Thank you.","start":2262.375,"end":2262.935,"sentiment":"positive","sentiment_score":0.6203422248363495},{"text":"Talk soon.","start":2262.935,"end":2263.4949,"sentiment":"positive","sentiment_score":0.3591442108154297},{"text":"See you later.","start":2263.4949,"end":2264.315,"sentiment":"neutral","sentiment_score":0.31042317549387616},{"text":"Bye.","start":2264.375,"end":2264.875,"sentiment":"neutral","sentiment_score":0.17275965213775635}],"sentiment":"positive","sentiment_score":0.3828752562403679,"channel":0,"num_words":8,"start":2262.375,"end":2264.875},{"sentences":[{"text":"Bye.","start":2264.649,"end":2265.149,"sentiment":"neutral","sentiment_score":-0.1096714660525322}],"sentiment":"neutral","sentiment_score":-0.1096714660525322,"channel":1,"num_words":1,"start":2264.649,"end":2265.149}]},"summary":{"result":"success","short":"Representatives from Okie Financial called Lisa to confirm her personal information and discuss her annual review. Lisa's portfolio was performing well, but the Australian Equities had a dip and the company had underperformed. The agent suggested changing investments and updating them as needed, and updated her portfolio with the customer. They discussed the customer's current portfolio, investment options, and coverage. The agent updated the customer's information and mentioned ongoing services and risk management. They also discussed updating the customer's portfolio and risk management, and scheduling a follow-up appointment for a pre assessment."},"intents":{"segments":[{"text":"I had your booking through to go through your annual review. Is now still a good time there for you? Yep.","start_word":27,"end_word":47,"intents":[{"intent":"Schedule annual review","confidence_score":0.10769711}]},{"text":"did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well. Okay?","start_word":378,"end_word":420,"intents":[{"intent":"Update advice and recommendations","confidence_score":0.020504622}]},{"text":"It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well.","start_word":973,"end_word":999,"intents":[{"intent":"Update investments","confidence_score":0.102742866}]},{"text":"Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you? What would you sort of prefer?","start_word":1112,"end_word":1155,"intents":[{"intent":"Analyze portfolio needs","confidence_score":0.0008631144}]},{"text":"So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover?","start_word":1479,"end_word":1505,"intents":[{"intent":"Clarify current coverage level","confidence_score":0.00015787518}]},{"text":"So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover? Did you wanna reassess that in any Yeah.","start_word":1479,"end_word":1513,"intents":[{"intent":"Reassess coverage level","confidence_score":0.23421235}]},{"text":"So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in Yes.","start_word":1548,"end_word":1570,"intents":[{"intent":"Calculate maximum coverage requirement","confidence_score":0.000017052185}]},{"text":"Now it is really important to note that there are limits with insurances. So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine. The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials. At Yep.","start_word":1611,"end_word":1667,"intents":[{"intent":"Understand limit options","confidence_score":8.833683e-7},{"intent":"Explain policy limits","confidence_score":0.000884795}]},{"text":"what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years. Does that sound alright? Yep.","start_word":1747,"end_word":1812,"intents":[{"intent":"Update advice","confidence_score":0.043595653},{"intent":"Discuss cost for life and tbd recommendations","confidence_score":0.000028942797}]},{"text":"So having a look here, you've got your beneficiary set as Darren to receive yep. 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%. Is that correct? Yeah.","start_word":1893,"end_word":1928,"intents":[{"intent":"Resolve beneficiary setup and distribution","confidence_score":0.000027749367}]},{"text":"with us pre filling the nomination form for Yeah.","start_word":2194,"end_word":2202,"intents":[{"intent":"Confirm nomination form","confidence_score":0.024866069},{"intent":"Obtain form","confidence_score":0.0029656102}]},{"text":"And you've got it as a binding, non lapsing nomination. It is a good thing because you fill the format once. You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination?","start_word":2218,"end_word":2266,"intents":[{"intent":"Sort nomination","confidence_score":0.1275524}]},{"text":"And you've got it as a binding, non lapsing nomination. It is a good thing because you fill the format once. You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination? 100%.","start_word":2218,"end_word":2267,"intents":[{"intent":"Keep nomination format","confidence_score":0.003425065},{"intent":"Provide information","confidence_score":0.06741688}]},{"text":"I can print it Email's and sign it. good? Yep. Fantastic.","start_word":2326,"end_word":2336,"intents":[{"intent":"Suggest email","confidence_score":0.0015178147}]},{"text":"I've also just made a note here that we'll look at increasing your life and CPD benefit Yep. to either 1,800,000 or 2,000,000 depending on the cost difference. Did you have a preference that would be more preferable to yourself for increasing that level of cover? Yep.","start_word":2346,"end_word":2392,"intents":[{"intent":"Discuss amount of coverage","confidence_score":0.00002742715}]},{"text":"Did you have a preference that would be more preferable to yourself for increasing that level of cover? Yep.","start_word":2374,"end_word":2392,"intents":[{"intent":"Express preference","confidence_score":0.026720012}]},{"text":"So, yeah, I probably need to update. We have now Yeah. sold Mount Arbus, Okay. and Valdez, we own that one. a property in Carapa, which is 4 Ridley Street.","start_word":2476,"end_word":2505,"intents":[{"intent":"Update property","confidence_score":0.29511994}]},{"text":"for that? Or If you have it, if you don't, Yep. that's okay. Yeah.","start_word":2522,"end_word":2535,"intents":[{"intent":"Ask for address","confidence_score":0.05020052}]},{"text":"So with the property in Karratha, what kind of valuation would you put on that at the moment?","start_word":2590,"end_word":2607,"intents":[{"intent":"Price property in karratha","confidence_score":0.00020583827}]},{"text":"So with the property in Karratha, what kind of valuation would you put on that at the moment? $8.","start_word":2590,"end_word":2608,"intents":[{"intent":"Inquire about property property in karratha","confidence_score":0.000061456085},{"intent":"Inquire about property value","confidence_score":0.0075494703}]},{"text":"And do you have a mortgage 50? on that property still? Yep.","start_word":2621,"end_word":2632,"intents":[{"intent":"Inquire about property ownership","confidence_score":0.0016517165}]},{"text":"Well, we got it's about $4.98, but we've got a fair amount of cash on it. So we only owe Yeah.","start_word":2635,"end_word":2655,"intents":[{"intent":"Inquire about payment","confidence_score":0.0003931572}]},{"text":"How long have you got interest only for?","start_word":2775,"end_word":2782,"intents":[{"intent":"Inquire about interest rate","confidence_score":0.028485898}]},{"text":"Looking at other assets that I do have noted here from last time we spoke, we had a caravan with a value of 50,000. Do you still have the caravan?","start_word":2949,"end_word":2978,"intents":[{"intent":"Evaluate caravan value","confidence_score":0.00926529}]},{"text":"So well, if we can use if we use the cash that we've got lying around mortgage, we would put about 200,000 in yep. cash, probably 2 to 3. Yep.","start_word":3191,"end_word":3220,"intents":[{"intent":"Utilize cash","confidence_score":0.014591323}]},{"text":"Not at the moment. It's just keeping the interest out on the property at the moment. Yep.","start_word":3260,"end_word":3276,"intents":[{"intent":"Maintain interest","confidence_score":0.050884917}]},{"text":"Income wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725. Yep.","start_word":3290,"end_word":3309,"intents":[{"intent":"Update insurance coverage","confidence_score":0.0071329074}]},{"text":"Do you I had income wise here last time of you earning about a 100,000 per annum. Has your income increased at all?","start_word":3310,"end_word":3332,"intents":[{"intent":"Increase income","confidence_score":0.6412145}]},{"text":"Realistically, we can insure every aspect of our life that it helps me paying premiums galore. But are you wanting to look at any additional insurances, or do you have any questions about what they are? Or No.","start_word":3541,"end_word":3578,"intents":[{"intent":"Inquire about additional insurances","confidence_score":0.019368151}]},{"text":"Do you have any trips planned or anything that you wanna do with the caravan down the track? Or Yeah.","start_word":3950,"end_word":3969,"intents":[{"intent":"Offer caravan tours","confidence_score":0.000035739544}]},{"text":"I'll find a job. See No what problem.","start_word":4240,"end_word":4247,"intents":[{"intent":"Find a job","confidence_score":0.79341936}]},{"text":"You're looking to move to Mackay into that Yep. property? Yep. Yeah.","start_word":4256,"end_word":4267,"intents":[{"intent":"Explore options for moving","confidence_score":0.0018232154}]},{"text":"are traveling?","start_word":4345,"end_word":4346,"intents":[{"intent":"Explore relocation plans","confidence_score":0.09972139}]},{"text":"Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep?","start_word":4538,"end_word":4558,"intents":[{"intent":"Discuss investments and portfolio","confidence_score":0.0140408045}]},{"text":"The next document in there is your nearest income your nearest insurance policy. Sorry.","start_word":4611,"end_word":4624,"intents":[{"intent":"Update and discuss insurance policies","confidence_score":0.00041021724}]},{"text":"Goal wise, are you hoping to be able to access super at around about the age of 60, or what's your goal for being able Yeah.","start_word":5281,"end_word":5306,"intents":[{"intent":"Share retirement goals","confidence_score":0.0015171121}]},{"text":"Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably? No. Not really.","start_word":5355,"end_word":5380,"intents":[{"intent":"Determine optimal retirement income","confidence_score":0.000051870025}]},{"text":"next annual meeting. Yep. What I'll do is I will make a maybe a little calendar invite for me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you. That way, we can have that conversation, talk Yeah.","start_word":5801,"end_word":5866,"intents":[{"intent":"Plan monthly meeting","confidence_score":0.000029096367}]},{"text":"Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week. When Mhmm. would be preferable for them to give you a call to be able to do a quick pre assessment with you? Just so when we're updating the advice, we understand what kind of insurance contract may be offered. Yeah.","start_word":6196,"end_word":6270,"intents":[{"intent":"Update insurances and schedule pre assessment","confidence_score":0.008201613}]},{"text":"So quarter to three, this 02:45 appointment, pretty much any day except K. Thursday is good for me.","start_word":6271,"end_word":6288,"intents":[{"intent":"Confirm appointment time","confidence_score":0.028574541}]},{"text":"I'll pop that one in there, and my colleague, Caden, will give you a call. I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and Mhmm.","start_word":6356,"end_word":6397,"intents":[{"intent":"Conduct pre assessment with caden","confidence_score":0.000014171347}]},{"text":"And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well. So Yeah.","start_word":7130,"end_word":7162,"intents":[{"intent":"Assist with investing","confidence_score":0.011996077}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Alyssa. This is Dana from Okie Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.15288501977920532},{"text":"Good. Thank you. Yourself? I'm very well. Thank you. Thanks for asking.","start_word":15,"end_word":26,"sentiment":"positive","sentiment_score":0.5541353821754456},{"text":"I had your booking through to go through your annual review. Is now still a good time there for you? Yep. Yep.","start_word":27,"end_word":48,"sentiment":"neutral","sentiment_score":0.2569853663444519},{"text":"Absolutely. Fantastic. How's your day been so far?","start_word":49,"end_word":56,"sentiment":"positive","sentiment_score":0.4292275905609131},{"text":"Oh, yeah. Not too bad. We're on a public holiday here in Western Australia. So Oh, perfect. yes. Excellent. What public holiday is it? The king's birthday? Nice. Yeah. Ours is next Monday, Yeah. Next so week. we'll enjoy Yeah. that. Yeah. Yeah. Yeah. No. All good, Lisa. Before I jump into the call, just to let you know, would you recall our calls with quality and training purposes moving forward? Are you happy for us to Yep. Sure.","start_word":57,"end_word":135,"sentiment":"neutral","sentiment_score":0.12106212973594666},{"text":"Fantastic.","start_word":136,"end_word":136,"sentiment":"positive","sentiment_score":0.459393322467804},{"text":"And just a little quick security check there for you as well just to confirm your full name, your date of birth, and address I should have on file there. Yeah. It's 4 Ridley Street in Bolgara, and my full Yep. name is Lisa McAlone. And sorry. What else did you mean? My phone number. No, sir. Date of birth, address, Oh, and sorry. Twenty thirty first nineteen eighty two. lovely.","start_word":137,"end_word":207,"sentiment":"neutral","sentiment_score":0.08993669599294662},{"text":"Thank you so much for that.","start_word":208,"end_word":213,"sentiment":"positive","sentiment_score":0.4967803955078125},{"text":"All good. Now do you happen to have access to your emails there currently at all? Yeah. I can do. Yep. Yeah. Beautiful. What I'm gonna do is I'm just gonna send through some documents to you just to run through as part of your annual review just so you can sort of see what we're going through as we are going through them. Yep. Now, hopefully, it should come through fairly quickly there for you.","start_word":214,"end_word":289,"sentiment":"neutral","sentiment_score":0.17366595566272736},{"text":"Beautiful. Love technology when it wants to work in our favor.","start_word":290,"end_word":300,"sentiment":"positive","sentiment_score":0.3892219662666321},{"text":"Yep. Yes. Exactly. Dana. Yep. There it is. Yep. Beautiful. So when you open that one there, it does ask you to press the sign button so you can go through to see them. However, I will never ask you to sign anything you haven't read through. So we'll go through each of the documents and just sort of talk about each of them as we are going through things, updating all of your circumstances. I Yep. did have a bit of a look at your file prior to giving you the call here, and I can sort of see some areas where we should be able to update the advice for you, which will be good as well. Okay? Yep. Oh, yep.","start_word":301,"end_word":423,"sentiment":"neutral","sentiment_score":0.13043618450562158},{"text":"Fantastic.","start_word":424,"end_word":424,"sentiment":"positive","sentiment_score":0.6501221060752869},{"text":"Now the first document you should see in there, are you able to see each of those documents, or what's it say at the moment just to sort of make sure I'm on the same page as you? That's okay. The first Summary one should of say 50 summary. or annuation. Yep. Yep. Summary. That's Yep. the one.","start_word":425,"end_word":482,"sentiment":"neutral","sentiment_score":0.11180327087640762},{"text":"Beautiful.","start_word":483,"end_word":483,"sentiment":"positive","sentiment_score":0.5340487957000732},{"text":"Now if if I go too fast, please just let me know. But Mhmm. this is giving you an updated summary of your suit graduation and your insurances there as of the September 24 when we completed the documents. So how do you look there? Your balance is sitting about $157,874 and 16<unk> there. When Mhmm. I have a look back at what your balance was, when we look back at this time last year sorry. My computer's a bit slow there. But you were sitting at around about a 144,000 last year or just over. So you Mhmm. have seen a good increase there. When we sort of have a look at what's been going on with this super this year with the all investors, they have been very up and down with what's been happening in the market generally. So we are expecting a bit of a lower kind of return this year with the volatility in the ups and downs. Yep. However, as I said, I had a bit of a look at the advice your portfolio. Sorry. And I've had a bit of a look at where we can definitely look to make some changes. If I can get you to scroll forward to the next document there for me, Uh-huh. Yep. Lisa.","start_word":484,"end_word":701,"sentiment":"neutral","sentiment_score":-0.020121971145272255},{"text":"Beautiful.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.42686185240745544},{"text":"The next one is your performance report. So the first page that you'll see a a lot of different investment options there. The first one's been along Australian Equities. Underneath that, you should also see the cybersecurity, the battery, and lithium tech. And so forth, you can see all those investment options noted there? Mhmm. Yeah.","start_word":703,"end_word":757,"sentiment":"neutral","sentiment_score":0.08901324732737108},{"text":"Beautiful.","start_word":758,"end_word":758,"sentiment":"positive","sentiment_score":0.5494564771652222},{"text":"So when we have a look at those, if you look at the second last column there, it all it sort of shows you which investments are up and which ones are down for the year.","start_word":759,"end_word":794,"sentiment":"neutral","sentiment_score":0.08137917518615723},{"text":"Majority of everything has been performing very nicely, and we're very happy with it.","start_word":795,"end_word":808,"sentiment":"positive","sentiment_score":0.5883447527885437},{"text":"However, the Australian Equities won the first one at the top.","start_word":809,"end_word":819,"sentiment":"neutral","sentiment_score":-0.049302566796541214},{"text":"There has taken a little bit of a dip.","start_word":820,"end_word":828,"sentiment":"negative","sentiment_score":-0.37493857741355896},{"text":"So I've been looking to maybe replace that as it has been underperforming slightly, Yep. and the rest of the Australian market's actually doing quite well and has been up over all for the years. So I would like to maybe look at removing that investment for you. The other one I'm sort of looking at trying to maybe replace is at the very second from the bottom there, you've got the Yevanec China. That Uh-huh. was sort of meant to take off and be a little bit of a bonus the last couple of years, but China hasn't really seen the kind of increase that we would like to see, and there are still some high tensions there.","start_word":829,"end_word":947,"sentiment":"neutral","sentiment_score":-0.09630661457777023},{"text":"So that one is essentially underperforming pretty significantly as well there.","start_word":948,"end_word":958,"sentiment":"negative","sentiment_score":-0.3912598788738251},{"text":"So I would like to maybe look at changing that out for you. Yep. It's always good to make some changes to the investments, update things as need be, and keep them working harder for you with it there as well. Yep. When we sort of think about investments in the way the types of investments are, we have different ways of investing. One of those is called active management. So that's investing in managers who are actively trying to outperform against the market. That's what that original BANALONG one. So that is more of an actively managed fund where the fund manager is meant to be trying to pick and time the market, buy and sell in a way that's advantaged. And, overall, they're trying to outperform against the market. Because you are still really young, you've got a lot of time ahead of you before you're able to access your sofa. Did you wanna sort of take a little bit more risk and have more of an actively managed investment within your portfolio, Or would you rather me look at a portfolio that might be lower cost for you? What would you sort of prefer? How would you like No. to see Let's it give invested? it a crack. I mean, freaking hell of a way to government changes the bottle. You can get this money by the time I could retire. So Well, I certainly wanna make sure you do. That's for sure. Yeah. No. Absolutely. So you would like to see a bit of active management's investments in your portfolio moving forward and continuing to have that sort of exposure? Yeah. Yeah. I'll give it a go for Yep. the next twelve months. Yep. Yeah.","start_word":959,"end_word":1247,"sentiment":"neutral","sentiment_score":0.0909663685001304},{"text":"Beautiful.","start_word":1248,"end_word":1248,"sentiment":"positive","sentiment_score":0.4531685113906861},{"text":"Well, I'll have a look at the portfolio and look at updating things to reflect that for you. I'll look at trying to see if I can make it lower cost as well. So having a look at some of the investments that are in your portfolio, I might be able to switch out a few others of those and replace them for you, make the portfolio a bit cheaper. So one of the other ways that we can look to help them boost super moving forward is to lower the fees as much as possible as well, which means that more money is staying invested in your sleep of working harder for you over time and there. So I'd love to definitely Yes. have a look and see if I can fix that for you as well. Okay? Yep. Yep.","start_word":1249,"end_word":1389,"sentiment":"neutral","sentiment_score":0.20230792462825775},{"text":"Beautiful. So as per the last document there, you add about a 157,000 currently, which is fantastic. You wanna keep that growing and working harder for you moving forward.","start_word":1390,"end_word":1418,"sentiment":"positive","sentiment_score":0.4575137197971344},{"text":"Underneath that, on that first page that we were looking at, you've also got your insurances. Having a look at your at your circumstances and with the level of cover you have, with the nearest insurance company, you've got life and total permanent disability covered. Do you understand how those insurances Yes. work, how they pay? Yep. Yep.","start_word":1419,"end_word":1476,"sentiment":"neutral","sentiment_score":0.06774125248193741},{"text":"Yep. Beautiful.","start_word":1477,"end_word":1478,"sentiment":"positive","sentiment_score":0.4713945388793946},{"text":"So at the moment, your current coverage there, you've got $1,246,008.63 of life and total permanent disability cover. Are you fairly comfortable with that level of cover? Did you wanna reassess that in any Yeah. Potentially, can we put it way? up to around the 1.5? Because we have You recently can. bought another property just to make sure Okay. my family's okay if anything happens. So Yeah. Absolutely. So when you think about that 1,500,000, though, would that cover all of the loans, or how much do you have in Yes. That borrowing would at the moment? so that would cover the loans, but I don't know how much. It probably wouldn't give them much in cash, so maybe we should do it at 2,000,000, to be honest. Yep. That's okay. Now it is really important to note that there are limits with insurances. So as much as you can cover yourself for $12.03, $5,000,000, that's absolutely fine. The more you do increase, so over certain limits, that does also mean the insurer can request and go through additional underwriting where they request more in financials. At Yep. the moment, given your agent stage, increasing that level of cover to say 1.5 or 2,000,000, absolutely fine. Yep. It is gonna increase the cost of the insurances Yeah. as well, but you'll Yeah. Yeah. have you're comfortable with that. Yeah. Yep? What is the cost gonna be a year? Do would you know? Or you just you have I to come will back to have to have a look at it for yeah. you. Yep. Yeah. So Yep. what I could probably do for you, Lisa, is I'll update the advice to reflect the changes in your portfolio, but then I can also make the recommendation to increase your life and TBD in line with what you've asked for and show you the overall total cost and how that should affect you over the next five to ten years. Does that sound alright? Yep. Yep.","start_word":1479,"end_word":1813,"sentiment":"neutral","sentiment_score":0.03414405882358551},{"text":"Sounds good.","start_word":1814,"end_word":1815,"sentiment":"positive","sentiment_score":0.33726125955581665},{"text":"Yep.","start_word":1816,"end_word":1816,"sentiment":"neutral","sentiment_score":0.18572770059108737},{"text":"Beautiful.","start_word":1817,"end_word":1817,"sentiment":"positive","sentiment_score":0.3400490880012512},{"text":"So and so you said 2,000,000 total? Yeah. 1.8 to 2,000,000. So yep. Yep. And I know I've got my beneficiaries as Darren Mackalone Mackenzie Mackalone, and there's this I don't have a risk. There's a small percentage to Heidi. But is there Yes. anything else I can do to make sure that that happens? You know, there's always legal issues. So can I add my husband Yeah. to the to the thing? Or Yeah. So having a look here, you've got your beneficiary set as Darren to receive yep. 70%, Heidi as an other dependent to receive 10%, and Mackenzie as your child to receive 20%. Is that correct? Yeah. But can Yeah. I take Heidi off and do 20% to Mackenzie? Oh, sorry. Sarah's got 70 then. Yeah. Yeah. 70 Yeah. and Yeah. 30. Yeah. Absolutely. So sorry. 30% to Mackenzie Yes. and 70% to Darren? Yes, please. Yeah. Absolutely. We can do that. I also just wanted to double check because we had Heidi on here as other dependent. What relationship is Heidi to yourself? She is my niece. Right. We Okay. yeah. It is a yeah. It is a good thing that you are updating that because under the legislation, while she has been noted here as an other dependent, she doesn't technically meet the criteria to be considered a beneficiary Yeah. under the CIS Act. Yeah. So if in any way that she was to claim on this, if you were to pass away currently, she would essentially if she can't prove that she's a a true dependent and relies on you financially for a financial support and lives with you, that, essentially, she would be denied access to her part of the claim. And the super Yes. fund would have the option of either paying that portion to your estate to have distributed via your will, or they can have that nominated or paid out to one of your other beneficiaries depending on what their discretionary rules would be. So Yes. Yes.","start_word":1818,"end_word":2155,"sentiment":"neutral","sentiment_score":-0.009459337682501803},{"text":"Not it oh, Mackenzie it does make and Darren, it harder.","start_word":2156,"end_word":2166,"sentiment":"negative","sentiment_score":-0.37437760829925537},{"text":"please. Yes. No worries at all. So I can have that form updated for you and my team to send it out. Are you happy Mhmm. with us pre filling the nomination form for Yeah. you as much as Yes, possible please. to help you out? Yeah. Yes, please. Yep.","start_word":2167,"end_word":2216,"sentiment":"neutral","sentiment_score":0.16166868984699248},{"text":"Absolutely.","start_word":2217,"end_word":2217,"sentiment":"positive","sentiment_score":0.4778004586696625},{"text":"And you've got it as a binding, non lapsing nomination.","start_word":2218,"end_word":2227,"sentiment":"neutral","sentiment_score":0.32065659761428833},{"text":"It is a good thing because you fill the format once.","start_word":2228,"end_word":2238,"sentiment":"positive","sentiment_score":0.6012515425682068},{"text":"You never have to pre fill the form unless you change your mind on your beneficiaries. Are you happy to keep it with the same type of nomination? 100%. Yep. Yeah.","start_word":2239,"end_word":2269,"sentiment":"neutral","sentiment_score":0.21859778463840485},{"text":"Beautiful. I love that.","start_word":2270,"end_word":2273,"sentiment":"positive","sentiment_score":0.679999053478241},{"text":"The other option is binding lapsing. You have to refill the format every three Yeah. years, and life gets No. busy. No. Perfect.","start_word":2274,"end_word":2296,"sentiment":"neutral","sentiment_score":0.08697027713060379},{"text":"I will absolutely have that sorted out for you.","start_word":2297,"end_word":2305,"sentiment":"positive","sentiment_score":0.4352203011512756},{"text":"Is it easy to have it posted or emailed to yourself, Lisa? What would you prefer? No. Email is fine. I can print it Email's and sign it. good? Yep.","start_word":2306,"end_word":2335,"sentiment":"neutral","sentiment_score":0.08543778955936432},{"text":"Fantastic. I'll get that one sorted for you ASAP. Fantastic.","start_word":2336,"end_word":2345,"sentiment":"positive","sentiment_score":0.4766027629375458},{"text":"I've also just made a note here that we'll look at increasing your life and CPD benefit Yep. to either 1,800,000 or 2,000,000 depending on the cost difference. Did you have a preference that would be more preferable to yourself for increasing that level of cover? Yep. Of, like, the company? Or No. No. Just the amount. Did Oh, you sort of prefer I've to I have would the 2 mil? Or I I reckon 1.8 that will pay off yep. all the real estate and give them money to survive. Yes. So yep. Absolutely. I'll run through and have a quick look at your assets while we've got what we're talking about the insurance asset. I had here, I believe this is a property. Is it Valdez? Oh, okay. So, yeah, I probably need to update. We have now Yeah. sold Mount Arbus, Okay. and Valdez, we own that one. a property in Carapa, which is 4 Ridley Street. Yep. And then we've recently bought a property in Lacay. Do you need the address Okay. for that? Or If you have it, if you don't, Yep. that's okay. Yeah. No. It's 17 Anthony, Yep. so just Yep. like the name Anthony, and then that's a separate word, Vella, v e l l a, Yep. in rural view in MacKay. Hang on. I'm sorry. I don't know the postcode yet. No. That's fine. I can grab that as not a problem at all.","start_word":2346,"end_word":2588,"sentiment":"neutral","sentiment_score":0.03538129687186622},{"text":"Beautiful.","start_word":2589,"end_word":2589,"sentiment":"positive","sentiment_score":0.3965277075767517},{"text":"So with the property in Karratha, what kind of valuation would you put on that at the moment? $8.30 to $908.30, 8 Yep. Yeah.","start_word":2590,"end_word":2613,"sentiment":"neutral","sentiment_score":0.057395294308662415},{"text":"Beautiful.","start_word":2614,"end_word":2614,"sentiment":"positive","sentiment_score":0.40349507331848145},{"text":"Let's go to $8.50 mark. Absolutely. And do you have a mortgage 50? on that property still? Yep. Yep. Yep. Well, we got it's about $4.98, but we've got a fair amount of cash on it. So we only owe Yeah. about $3.50 at the Okay. moment. So Yeah. $3.50. And you said you owed technically $398,000, but the difference is obviously what's in your cash or offset Yeah. account. $4.98. No. I wish it was $3.98, but, yeah, $4.90 Sorry 8. about that. No. You're right. Excellent. And the 4 Ridley Street, that's your main primary residence, is it? Yep. Yep. Yep. Beautiful. And then the property in Mackay, what sort of valuation would you put on that one at the moment? Well, we only just bought it, and it was $7.70. So Okay. Beautiful. And so the loan would be fairly close to that? oh, a 100%. It's just interest only at the moment. So yep. Yes. Absolutely. How long have you got interest only for? I think it's three years, Yep. but Beautiful we'll be living and in it before then. So nice. we'll we'll stop it. Yeah. We'll make this one Yeah. the rental and that one the primary.","start_word":2615,"end_word":2817,"sentiment":"neutral","sentiment_score":0.014935126528143884},{"text":"Beautiful. Beautiful.","start_word":2818,"end_word":2819,"sentiment":"positive","sentiment_score":0.3810889422893524},{"text":"Excellent. Are you planning on renting out the Mackay property prior to you living in it, or are Oh, you gonna 100 sort percent. of just wanna move in? Yep. No. No. Excellent. No. It's rented now. Yep.","start_word":2820,"end_word":2857,"sentiment":"neutral","sentiment_score":0.06084089736013036},{"text":"Fantastic.","start_word":2858,"end_word":2858,"sentiment":"positive","sentiment_score":0.46670132875442505},{"text":"And how much rent will you be getting off that at the moment? $7.30 a week.","start_word":2859,"end_word":2874,"sentiment":"neutral","sentiment_score":0.045714110136032104},{"text":"Oh, fantastic. That's really good rent out there. Great.","start_word":2875,"end_word":2883,"sentiment":"positive","sentiment_score":0.6384221911430359},{"text":"$7.30 per week. Sorry.","start_word":2884,"end_word":2887,"sentiment":"neutral","sentiment_score":0.16304555535316467},{"text":"Excellent.","start_word":2888,"end_word":2888,"sentiment":"positive","sentiment_score":0.4297371208667755},{"text":"That's my dog. No. You're absolutely fine. Not a problem.","start_word":2889,"end_word":2898,"sentiment":"neutral","sentiment_score":0.275321364402771},{"text":"Beautiful.","start_word":2899,"end_word":2899,"sentiment":"positive","sentiment_score":0.48597413301467896},{"text":"So we do have quite a bit of loans there, which is great. So in the event of, say, passing or having a TPD event, you wanna be able to cover both those loans, Correct. but then also provide a bit of a buffer. Yeah. Absolutely. Yeah. Correct.","start_word":2900,"end_word":2947,"sentiment":"neutral","sentiment_score":0.13378016650676727},{"text":"Beautiful.","start_word":2948,"end_word":2948,"sentiment":"positive","sentiment_score":0.3674233555793762},{"text":"Looking at other assets that I do have noted here from last time we spoke, we had a caravan with a value of 50,000. Do you still have the caravan? Yep. Yep. Beautiful. Would you still value it at 50,000, do you think? Yeah. We would still probably get that for it. Yep. Yep.","start_word":2949,"end_word":3002,"sentiment":"neutral","sentiment_score":0.06424877047538757},{"text":"Beautiful.","start_word":3003,"end_word":3003,"sentiment":"positive","sentiment_score":0.4026567041873932},{"text":"They do go up in value at the moment. They're still very popular. Yeah. Yep. I sure are. We've we've put a lot into it. A lot of extras on it, so I could get 50.","start_word":3004,"end_word":3039,"sentiment":"neutral","sentiment_score":0.1703101545572281},{"text":"Oh, nice. You've made it into what you want it to be. I love that.","start_word":3040,"end_word":3054,"sentiment":"positive","sentiment_score":0.4361822903156281},{"text":"Yeah. Excellent. And I had your car down. What kind of vehicle do you drive? Yeah. Yeah. So we've just got one car. It's a Toyota Mhmm. Hilux 2014. Yep. Uh-huh. We're and because we both get company cars, so we don't have any Beautiful. Excellent.","start_word":3055,"end_word":3100,"sentiment":"neutral","sentiment_score":0.023243116214871407},{"text":"I love that.","start_word":3101,"end_word":3103,"sentiment":"positive","sentiment_score":0.4313131272792816},{"text":"And what sort of value would you put on your Hilux? I believe we had about others. 38 We don't thousand. need another car. Yeah. It's probably about the same. Yep. Yep. $30.30 Yep. 5 to 38. Yep. Yeah. Beautiful. They do hold their value quite well, those Yes. Hiluxes. Yep. And then we had about 12,000 in savings last Yep. time. That could be what you have in your offset account, which has definitely increased since then. Do you have any other savings accounts? Or Yeah. So well, if we can use if we use the cash that we've got lying around mortgage, we would put about 200,000 in yep. cash, probably 2 to 3. Yep.","start_word":3104,"end_word":3220,"sentiment":"neutral","sentiment_score":0.07017388067439072},{"text":"Beautiful. Fantastic.","start_word":3221,"end_word":3222,"sentiment":"positive","sentiment_score":0.7814698815345764},{"text":"And is that just the idea to pay down the mortgages and offset the interest as much as possible, or do you have any goals for what you wanna do with that money down the track? No. Not at the moment. It's just keeping the interest out on the property at the moment. Yep. So Which yeah. is not a bad thing at all. Bye.","start_word":3223,"end_word":3287,"sentiment":"neutral","sentiment_score":0.1307423710823059},{"text":"All good.","start_word":3288,"end_word":3289,"sentiment":"positive","sentiment_score":0.40602195262908936},{"text":"Income wise, now you've also got income protection, which covers you for up to a monthly benefit of 5,725. Yep. Do you I had income wise here last time of you earning about a 100,000 per annum. Has your income increased at all? No. It's actually gone down, but it still works out pretty close to that anyway. So Yep. So yeah. based on the 100,000 Yep.","start_word":3290,"end_word":3356,"sentiment":"neutral","sentiment_score":0.05783562362194061},{"text":"perfect.","start_word":3357,"end_word":3357,"sentiment":"positive","sentiment_score":0.35077711939811707},{"text":"So based on that, the amount you could be insured at all for because income protection covers you for up to 70% of your income. That essentially means the monthly benefit needed is about 5,800 and Yep. 33. Realistically, Yep. you're just slightly under that, but these insurance policies do increase each time they go through renewal there as well. So we could look to increase that income protection policy for you, which does mean underwriting. Otherwise, we could let that go through the renewal process and have it essentially increase in value over time. Are you happy just to keep it increasing, or did you want Yeah. me to go Just forward and no. yeah. Just keep it increasing with survival therapy at TC. Yeah.","start_word":3358,"end_word":3483,"sentiment":"neutral","sentiment_score":0.10720381140708923},{"text":"Beautiful.","start_word":3484,"end_word":3484,"sentiment":"positive","sentiment_score":0.391105055809021},{"text":"Not a problem. We'll focus on the life and TBD component there.","start_word":3485,"end_word":3496,"sentiment":"neutral","sentiment_score":0.2375043034553528},{"text":"Excellent.","start_word":3497,"end_word":3497,"sentiment":"positive","sentiment_score":0.45030784606933594},{"text":"Yes. The other thing to sort of double check is now you don't have any other types of insurances, things like trauma, child trauma, or any policies paid out of pocket. There are No. lots of different insurances we can essentially have. Realistically, we can insure every aspect of our life that it helps me paying premiums galore. But are you wanting to look at any additional insurances, or do you have any questions about what they are? Or No. No. no. Not That's okay. all good.","start_word":3498,"end_word":3584,"sentiment":"neutral","sentiment_score":0.024710134410395705},{"text":"Absolutely fine. Beautiful.","start_word":3585,"end_word":3587,"sentiment":"positive","sentiment_score":0.5083650946617126},{"text":"Just kinda going through other circumstances we had is that you have one dependent at home. Is that still correct or any changes there? Yeah. Yep. She's silly. Right? She's 87. She's still there? Yeah.","start_word":3588,"end_word":3622,"sentiment":"neutral","sentiment_score":0.00534031679853797},{"text":"Beautiful.","start_word":3623,"end_word":3623,"sentiment":"positive","sentiment_score":0.3629277050495148},{"text":"And I'm keeping Darren down here as your next of kin. Yes. Just double 100 checking percent. that that's correct.","start_word":3624,"end_word":3643,"sentiment":"neutral","sentiment_score":0.20495621860027313},{"text":"Beautiful.","start_word":3644,"end_word":3644,"sentiment":"positive","sentiment_score":0.5033029913902283},{"text":"Yep.","start_word":3645,"end_word":3645,"sentiment":"neutral","sentiment_score":0.2531905174255371},{"text":"Excellent.","start_word":3646,"end_word":3646,"sentiment":"positive","sentiment_score":0.42274734377861023},{"text":"We also had it down here that you were looking to pay off the caravan and take it out after the summer when it was cooler. That was the last time we sort of caught up. Your caravan, is that fully debt free, or do you still have the No. We the don't have loan on any that one? no. We don't have any debt on any of our vehicles or caravans. It's just mortgages. Beautiful. Excellent. And do you get out in the caravan very often? Well, in Karratha, it's already too hot again now, so it'll be another six Oh, months. So jeez. Yeah. Wow. Yeah. It's amazing how hot it gets over there so quickly, doesn't it? Yeah. Yep. Wow. That's insane. I was thinking about going over there next year, and I was sort of thinking sort of September, October would be a good time of year. Is that Well, the best up here, time to up visit North. WA? No. Yeah. Oh, down south. Yes. But not up here. Yeah. Not a chance. Not if You'd you're gonna say get to, like, South Of Carrapini. No. Smiley. yeah. Right. Do you reckon winter would be the best time to sort of head over where it's still quite hot, or what time of year is best Yeah. for you August, guys? September. Because you want it warm Yes. enough to swim and stuff. So Yeah. yeah. Okay. Yeah. Interesting. Interesting. I like to get that kind of feedback from people who live there because it's immensely different when you sort of think about the Northern side of WA to Oh, the southern yeah. People side of WA. The tension the correct. temperatures are Yeah. insane. Yeah. Yeah. Correct. Crazy. Oh, well, hopefully, you get out in your caravan soon. Do you have any trips planned or anything that you wanna do with the caravan down the track? Or Yeah. We're probably just travel Australia for a few months this year, but we moved to Queensland.","start_word":3647,"end_word":3985,"sentiment":"neutral","sentiment_score":0.03690089043339709},{"text":"I love that. Fantastic. I love that. It's when you move into your other property.","start_word":3986,"end_word":4000,"sentiment":"positive","sentiment_score":0.5715298652648926},{"text":"Yeah. In Mackay? Yep. Yep. Yep. Yep.","start_word":4001,"end_word":4007,"sentiment":"neutral","sentiment_score":0.07713072746992111},{"text":"Beautiful. That'll be fantastic.","start_word":4008,"end_word":4011,"sentiment":"positive","sentiment_score":0.5457752346992493},{"text":"And you I've got you down as being a business development manager. What sort of industry do you work in? That's probably not true now. I'm a a administrative something. You can just keep it as that. I just work in the electrical industry. I just help Okay. look after our electrical business, but but before I was in the electrical wholesaler. So electrical. Okay. So Fantastic. Electrical, and I'll put you down as administration.","start_word":4012,"end_word":4086,"sentiment":"neutral","sentiment_score":0.045304104685783386},{"text":"Fantastic.","start_word":4087,"end_word":4087,"sentiment":"positive","sentiment_score":0.42834603786468506},{"text":"Excellent. Do you do anything yep. anything crazy? Do you work at heights, or do you have to go No. off-site and do anything heights like that? You're sort of in the office most of the time? Yeah. In the office car and yep. Yep. Yep. Yeah. Nothing Beautiful. crazy. No. No. That's okay. And how long have you been doing this role for now? This one's only since May. Okay. Beautiful. Yep. Yep. May 2026. And are you enjoying it? No. It's bullshit, but it pays the bills that I needed to have more time for my daughter. Yeah. Yeah. Yeah. No. Understandable. I could get another job later. Yeah. Absolutely. And are you sort of looking to move into something different when you move to Mackay, or you're sort of probably staying the same for the role? What's your thoughts then? Yeah. I have no idea. I'd have no idea. I'll find a job. See No what problem. comes. K? Yeah. Yep. And that's next year. You're looking to move to Mackay into that Yep. property? Yep. Yeah. Have you got, like, a plan as to when next year, or Yep. is it just We've sort of when gotta it be comes? no. No. So we probably leave here in May, and we've gotta be there before, like, the July 20. Okay. So, yeah, just a couple of months. Yeah.","start_word":4088,"end_word":4319,"sentiment":"neutral","sentiment_score":-0.02651680749088349},{"text":"Beautiful.","start_word":4320,"end_word":4320,"sentiment":"positive","sentiment_score":0.5447392463684082},{"text":"And do you sort of plan to move over there first and then kind of look for a job and see how things Yeah. are traveling? Or Yeah. yeah. We have already met some people who can potentially get us into work. If not, I've never had a problem getting a job, so it doesn't No. bother me. Yeah. Absolutely. No. Perfect. And do you think you'll sort of hopefully be on about the same money when you sort of move over there and take on a No. similar role? We realized you're not gonna get wages like you get here. Because they Yep. have to pay high Yeah. wages or no one will come. So we're well aware it's probably gonna drop $10 or what a year, but it's much cheaper to live there too. So it's easier. Yeah. Yeah. Absolutely. And, I mean, beautiful weather too and a whole different part of the country to Yeah. Yeah. explore. Exactly. Yeah. Yep.","start_word":4321,"end_word":4483,"sentiment":"neutral","sentiment_score":0.05133609473705292},{"text":"Fantastic. Love that. Excellent.","start_word":4484,"end_word":4487,"sentiment":"positive","sentiment_score":0.5640963912010193},{"text":"Well, I've got a really good idea of where we're going with the updated advice piece. The other documents in there are looking essentially your Vanguard index chart that sorta outlines all the how investments work over time. I know we've probably gone through one of these with you there. Do you have any questions about investments, the portfolio that you're in, or, you know, anything to do with your sleep? At the moment, everything's pretty straightforward? Yeah. Yep. Yeah. It is That's right. it is what That's it is. right. Whatever you come Yeah. out That's with.","start_word":4488,"end_word":4585,"sentiment":"neutral","sentiment_score":0.12097702886225008},{"text":"well, I wanna do the best Yep. I can to make sure you come up with the most possible. That is for sure. Sounds good.","start_word":4586,"end_word":4610,"sentiment":"positive","sentiment_score":0.470195472240448},{"text":"The next document in there is your nearest income your nearest insurance policy. Sorry. So it does Yep. encompass your income protection as well as your current life and TPD. It just outlines a little bit more about how much you pay for those, how much you are covered for. I'll go back, as I said, and do some research to look at increasing your life and TPD components there for you as well. Okay? Yep. Yep.","start_word":4611,"end_word":4687,"sentiment":"neutral","sentiment_score":0.11183560639619829},{"text":"Excellent.","start_word":4688,"end_word":4688,"sentiment":"positive","sentiment_score":0.5144846439361572},{"text":"The next document in there is a bit of a boring one. It's our ongoing sorry. It's our financial services guide. It does essentially outline everything about who we are, what we do, and how we do it. It also outlines any additional services. So we start with super insurances, but if you did need additional advice down the track, it outlines other areas that we can advise on. So Mhmm. we, you know, mostly help with super insurances. It's the main sort of area everyone's after trying to build. We all work really hard for thirty or forty years, so we wanna Yep.","start_word":4689,"end_word":4792,"sentiment":"neutral","sentiment_score":0.07722675800323486},{"text":"enjoy our time and come out with a good income stream.","start_word":4793,"end_word":4803,"sentiment":"positive","sentiment_score":0.4104418158531189},{"text":"Yep. So that's where most people are sort of wanting the advice aspect. But if you're on the track, you want any additional advice, please feel free to let us know. It's got some glossy information in there about each of us as advisers and also our licensing numbers as well because we are registered with ASIC as well. Okay? Yep. Yep.","start_word":4804,"end_word":4865,"sentiment":"neutral","sentiment_score":0.1111503839492798},{"text":"Excellent.","start_word":4866,"end_word":4866,"sentiment":"positive","sentiment_score":0.3849214911460877},{"text":"The last document in there is the ongoing service agreement there. So, essentially, you are on an ongoing service fee of 1.10% that allows us to look after your super. Keep updating advice as well. We don't charge any implementation fees for looking after your super. And updating the advice is all part of this ongoing service agreement. And because yourself and Darren are both clients, you're on a lower fee of 1.10%. So down the track, that could all change. But right now, this is where we're at. We're not changing anything for yourself. We just wanna make sure your sleep is working as hard as possible for you so that after you've worked your lifetime, you can enjoy the rest of your years in retirement, drawing an income, and hopefully traveling as much as you possibly can as well. Yep. Yep.","start_word":4867,"end_word":5009,"sentiment":"neutral","sentiment_score":0.1875564221527193},{"text":"Sounds good. Yeah.","start_word":5010,"end_word":5012,"sentiment":"positive","sentiment_score":0.47107845544815063},{"text":"Once you've kinda gone through those, I will ask that you sign and return that one back for us.","start_word":5013,"end_word":5031,"sentiment":"neutral","sentiment_score":0.31678831577301025},{"text":"It's just allowing us to continue looking after everything and updating the advice for you as well.","start_word":5032,"end_word":5048,"sentiment":"positive","sentiment_score":0.3682219684123993},{"text":"Okay? Yep. Can we do all that The with last DocuSign when you send it through? yeah. Yep. Absolutely. The last document attached is the tax file number. So this is a new document. We just like to make sure we're updating our records. We let you know we do hold your tax file number because we serve your life insurance and your super funds. So this is outlining how and why we do so, and we are very security conscious. There's a lot going on in the world at the moment with the different security issues. So we always call when we call you or you call us, we're always through security, making sure that we're protecting your identity and not providing any information to anyone that we shouldn't be. So Yep. these info these documents here just kinda outline that for you. Mhmm. Once you've gone through those, this is the same as DocuSign. It's OdooSign. It actually allows you to sign the documents. So once you've gone through, just click on the signature button. It'll help to prepopulate a signature the same as DocuSign does. And then Yep. once you've done each document, it'll come back to us automatically for you Yep. as well. Okay? Cool. Yep.","start_word":5049,"end_word":5258,"sentiment":"neutral","sentiment_score":0.09378045797348022},{"text":"Excellent. Beautiful.","start_word":5259,"end_word":5260,"sentiment":"positive","sentiment_score":0.6125748157501221},{"text":"Just so I can update the advice for you, just a couple of additional things to sort of look at. Goal wise, are you hoping to be able to access super at around about the age of 60, or what's your goal for being able Yeah. to retire down the track? 58 to 60 would be nice. Yes. Yeah. The earliest you can under legislation is 60. So I'll work on that Yep. for the time being. And if we're Yep. lucky enough to get access earlier, I'll let you know. Mhmm. Yep.","start_word":5261,"end_word":5353,"sentiment":"neutral","sentiment_score":0.1636987267642893},{"text":"Beautiful.","start_word":5354,"end_word":5354,"sentiment":"positive","sentiment_score":0.6133437752723694},{"text":"Have you thought about what kind of income in retirement might be appropriate when you get to that point to live on comfortably? No. Not really. Because, I mean, look, the world could be anything in twenty years. Oh, No. absolutely. We can't Yeah. even afford Definitely. to fill our fridges anymore. So, you know? I know. I know. It's insane, No. isn't it? Yeah. I mean, let's just say minimum wage of, like, 50 or 60,000. Let's Yeah. just say Beautiful. that for now. Yeah. Absolutely. And, look, what I sorta do, when you actually get close to retirement or when you're sort of telling me you're ready to retire, we then go through either a budget plan or look at what you need to live on in those years. Yep. And Yep. we draw up a whole different plan to sort of look at what that does, how that Yep. looks. Right now, we're just wanting to make as much as we can in the super and have that grow as high as possible for Yep. you. 100 Okay. percent. Yep.","start_word":5355,"end_word":5537,"sentiment":"neutral","sentiment_score":0.03723971918225288},{"text":"Excellent.","start_word":5538,"end_word":5538,"sentiment":"positive","sentiment_score":0.5254089832305908},{"text":"Now I can I know you've got a lot going on with the newer property of this purchase and also moving next year? Are you at any point wanting to be able to make additional contributions to super, or you're happy just with what the employer puts in currently? Yeah. I mean, but does the government give you do they match it? I mean, what is the percentage these days? Let's say if you Yeah. do. No. So they actually don't. There are different ways of contributing depending on what you're wanting. The most common way is salary sacrifice, which is essentially helping to pay less income tax where your employer Yeah. puts a little bit extra out of your pretax income into super. You can also do it as a, like, a deductible contribution one off, which gives you a tax deduction. So as an example, if you had, you know, a spare 5,000 and you wanted to put that into super, to help give you a bit of a tax deduction, that would be transferred into super. We will claim a notice of intent.","start_word":5539,"end_word":5724,"sentiment":"neutral","sentiment_score":0.12423209285223356},{"text":"They call it a deductible contribution, and then they give you a letter to give to your, tax agent, and you can claim that $5,000 back as a tax deduction on your tax return. It's a nice little way to help lower your income tax Yeah. and hopefully get a little bit back. Yes. You Definitely, can it's also only about next year once we get set up yeah.","start_word":5725,"end_word":5793,"sentiment":"positive","sentiment_score":0.4633183181285858},{"text":"in the car. Yeah. Yeah. Maybe Absolutely. next annual meeting. Yep. What I'll do is I will make a maybe a little calendar invite for me to touch base with you, say, around about May next year, that maybe early May or maybe a little bit the month before, just before end of financial year to see where things are up to for you. That way, we can have that conversation, talk Yeah. about what space you have, what you're after, and whether you wanna make that kind of a contribution. Does that sound okay? Yeah.","start_word":5794,"end_word":5889,"sentiment":"neutral","sentiment_score":0.26183533668518066},{"text":"That sounds good because it'll be right Yeah.","start_word":5890,"end_word":5897,"sentiment":"positive","sentiment_score":0.4889562129974365},{"text":"before tax and when we leave. So, yeah, all of Yeah.","start_word":5898,"end_word":5908,"sentiment":"neutral","sentiment_score":0.14018665254116058},{"text":"it will help.","start_word":5909,"end_word":5911,"sentiment":"positive","sentiment_score":0.3500314950942993},{"text":"Yep. Absolutely. The other way of doing it is a non concessional. This is an after tax contribution to still put the money in out of your bank account. The government, if you are within a certain tax bracket, which at the moment your income is slightly higher than the requirement, Yep. They can sort of give you what's called a government co contribution, but your income's a bit high for that. It's more meant for lower income earners Yep. who are contributing additional money to super, and they don't match it dollar for dollar. They have a cap. It's no more than 500 for the year, and you've gotta make a contribution of at least a thousand dollars. So it's more just about helping to boost lower income earners to put more into that super. It used to be dollar for dollar, but it's not anymore.","start_word":5912,"end_word":6058,"sentiment":"neutral","sentiment_score":0.05480241775512695},{"text":"It's a shame, Yeah. really.","start_word":6059,"end_word":6063,"sentiment":"negative","sentiment_score":-0.659598171710968},{"text":"I'm sure they could afford it. So Yeah. Exactly. Exactly. Yeah. No. Definitely before tax next year. yeah. So Absolutely. I'll pop some in your rep. calendar to make sure I update that with you. Not a problem at all.","start_word":6064,"end_word":6103,"sentiment":"neutral","sentiment_score":0.042811304330825806},{"text":"Beautiful.","start_word":6104,"end_word":6104,"sentiment":"positive","sentiment_score":0.6532044410705566},{"text":"I've got down here other goals are that you're looking to move next year to Mackay Uh-huh. and that you'll be renting your current main primary residence out. Mhmm. Do you have any other goals that you're looking to achieve over the next couple of years at all? Or No. Not at this stage. Obviously, just No.","start_word":6105,"end_word":6161,"sentiment":"neutral","sentiment_score":0.040651243180036545},{"text":"working towards that that couple of months off and then move. So that's the problem.","start_word":6162,"end_word":6176,"sentiment":"negative","sentiment_score":-0.35933947563171387},{"text":"Yeah. Saving money for that. Yep.","start_word":6177,"end_word":6182,"sentiment":"neutral","sentiment_score":0.02243661694228649},{"text":"Absolutely. Fantastic.","start_word":6183,"end_word":6184,"sentiment":"positive","sentiment_score":0.49640005826950073},{"text":"And just sort of looking to see if there's anything else. Because we are looking to update your insurances, I will book you in a time for one of my colleagues to do a pre assessment maybe one day later this week or next week. When Mhmm. would be preferable for them to give you a call to be able to do a quick pre assessment with you? Just so when we're updating the advice, we understand what kind of insurance contract may be offered. Yeah. So quarter to three, this 02:45 appointment, pretty much any day except K. Thursday is good for me. Okay. So Yeah.","start_word":6185,"end_word":6291,"sentiment":"neutral","sentiment_score":0.10820639133453368},{"text":"Perfect.","start_word":6292,"end_word":6292,"sentiment":"positive","sentiment_score":0.3824452161788941},{"text":"yep. Not a problem at all. I'll pop it in the calendar. Sorry. I'm just double checking the calendar. Give me one second. Okay. It's loading for me. Here we go. Perfect. Alright. So Monday here is the king's birthday for us, but I could definitely do maybe Tuesday next week. Would that be okay, the same Yep. time? Yep. Perfect. Yep.","start_word":6293,"end_word":6354,"sentiment":"neutral","sentiment_score":0.12712351977825165},{"text":"Fantastic.","start_word":6355,"end_word":6355,"sentiment":"positive","sentiment_score":0.48601892590522766},{"text":"I'll pop that one in there, and my colleague, Caden, will give you a call. I'll just run through a quick pre assessment with you just so when I'm doing the advice, I can have a look at the contract and Mhmm. sorta give you an idea of what the expectation is with increasing the insurances. Okay? Yep.","start_word":6356,"end_word":6413,"sentiment":"neutral","sentiment_score":0.17100231195318288},{"text":"Yep. Fantastic. Excellent. And then after that call, he'll book in your advice presentation for a few weeks after that to make it easier for you.","start_word":6414,"end_word":6439,"sentiment":"positive","sentiment_score":0.4409606754779816},{"text":"Yep. Okay? Yep.","start_word":6440,"end_word":6442,"sentiment":"neutral","sentiment_score":0.1020331084728241},{"text":"Excellent.","start_word":6443,"end_word":6443,"sentiment":"positive","sentiment_score":0.44111043214797974},{"text":"The only other thing to sort of double check is have you got a will power of attorney documents in place? Have you ever seen a solicitor and drawn up those sorts of documents in the past? No. So we did see solicitor, and he wanted to charge me stupid amounts of money. So we have got a Yeah. will. I've got a Okay. beneficiary. It's all just done, obviously, like the post office one. But, yes, everything Yeah. has That's been done, okay. and they have a copy of my beneficiary and a copy of it too soon.","start_word":6444,"end_word":6542,"sentiment":"neutral","sentiment_score":-0.028647715225815773},{"text":"Oh, beautiful.","start_word":6543,"end_word":6544,"sentiment":"positive","sentiment_score":0.43136295676231384},{"text":"So you've got all those documents done. You just did the the the ones in the post office to make it easier. Yeah. Yeah. Yeah. Yep. For Absolutely. now. Yep. No. That's okay. That's not a problem at all.","start_word":6545,"end_word":6583,"sentiment":"neutral","sentiment_score":0.225980743765831},{"text":"Fantastic.","start_word":6584,"end_word":6584,"sentiment":"positive","sentiment_score":0.5648899078369141},{"text":"Now the last thing I wanted to run through with you is just an updated risk profile just to make sure that you are invested correctly and that your risk appetite hasn't changed at all. The the same as that you what you have sort of answered over the last couple of years, which makes it easy for you. The first one here is have you ever owned any shares? I've got down that you've never owned shares or investments No. in your own name. You don't own any shares or cryptocurrency or anything? No. No. No? That's okay. The next one here, I'll tick off for you because you have longer than ten years ahead of you before being able to access super. Mhmm. The next question here is about inflation, and it says, how much risk do you feel comfortable taking to make sure your returns are keeping up with inflation over the longer term? Are you comfortable taking on a higher level of risk to obtain greater potential returns that over time beat inflation? You may be comfortable with a moderate or medium amount of risk to, again, try to get the best returns possible, or are you not comfortable taking risk and understand the returns are lower because of that? Where do you think you fit? Not for twelve months. I wanna try high. Yep.","start_word":6585,"end_word":6813,"sentiment":"neutral","sentiment_score":-0.004351118815387701},{"text":"Beautiful. Excellent.","start_word":6814,"end_word":6815,"sentiment":"positive","sentiment_score":0.6677049398422241},{"text":"The next one here, it says that if in six months after changing or altering your portfolio or if you look down six months down the track and we saw due to what was happening in the markets, generally, the portfolio fell by 20%, how might you be feeling? Are you possibly thinking it's an investment opportunity? We'll put some more money into the dip and take advantage of that. Are you a bit concerned, maybe holding and waiting, calling us, or are you really scared and wanting to move your money into cash? How do you think you might react? Oh, I don't know. I don't I don't watch the news. I Not don't a bad know. thing. Yeah. Yeah. I don't know. It is what it is, isn't it? So Do you win, you think you maybe lose. you'd hold and wait and maybe call us and have a chat to see what we think you Yeah. do? Yeah. I mean, I Yep. don't even check my super, to be honest, mate. So yeah. That's okay. Absolutely Yeah. fine. The last one I have here is thinking about investments. Have you ever thought about borrowing to invest in shares or manage funds, or have you only ever wanted and or borrowed for property? No. I don't think I'd borrow for shares. If I ever bought shares, it would be out of our money. But definitely, Yeah. we would love to get get into that, but we just need to get the cash flow going soon. Yeah. Absolutely. Well, down the track, you're welcome to let me know.","start_word":6816,"end_word":7084,"sentiment":"neutral","sentiment_score":-0.0627153143286705},{"text":"We can absolutely help and advise in that area.","start_word":7085,"end_word":7093,"sentiment":"positive","sentiment_score":0.45594796538352966},{"text":"It is also a great way to sort of think about with your investment properties and other investments in say shares or portfolio similar to your super. Those sorts of things can grow over time. And when you're investing for a longer period of time, it could also, a, help supplement your super in retirement or help you possibly retire a little bit earlier as well. So Yeah. down the Yeah. track, we can always have those conversations and assist you. Yep.","start_word":7094,"end_word":7175,"sentiment":"neutral","sentiment_score":0.169493853318982},{"text":"Absolutely.","start_word":7176,"end_word":7176,"sentiment":"positive","sentiment_score":0.3364031910896301},{"text":"Yep.","start_word":7177,"end_word":7177,"sentiment":"neutral","sentiment_score":0.2927500605583191},{"text":"Beautiful.","start_word":7178,"end_word":7178,"sentiment":"positive","sentiment_score":0.6298352479934692},{"text":"Now at the moment, you've scored it as a high growth investor. We currently have you in a high growth environment. That sees 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities. And then the other sort of 10% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of environment you're looking to obtain anywhere between sort of a 10 to 12% return on a yearly basis, you are taking more risk in the market. So we do understand a negative return is likely sort of one in every six years. Do you feel comfortable staying in this environment? You said you were happy for another twelve months. Is that accurate? Yep. Yep. Yep. Yep.","start_word":7179,"end_word":7310,"sentiment":"neutral","sentiment_score":0.04605651646852493},{"text":"Beautiful.","start_word":7311,"end_word":7311,"sentiment":"positive","sentiment_score":0.5386765003204346},{"text":"It definitely suits your time horizon because you have more than ten years ahead of you. This sort of high growth environment suits someone who has at least eight years before accessing your sleep for that. So Yep. it does set your time horizon. You've got the risk capacity there. You sort of scored really well within that range there, so I would definitely be comfortable keeping that environment. I'll just alter your portfolio to remove some underperforming investments and Yep. Yep. also look at your insurances, and we'll look at how that's tracking over the next five to ten years. And then we'll just keep updating that on a regular basis and make sure we check-in next year around tax time to talk about that deductible contribution. How does that Yep. sound? Yep.","start_word":7312,"end_word":7445,"sentiment":"neutral","sentiment_score":0.14346230030059814},{"text":"Sounds good.","start_word":7446,"end_word":7447,"sentiment":"positive","sentiment_score":0.3401711881160736},{"text":"Yep.","start_word":7448,"end_word":7448,"sentiment":"neutral","sentiment_score":0.2518848776817322},{"text":"Beautiful. I'll also get your beneficiaries up to date, prefilled, and sent out to you by email.","start_word":7449,"end_word":7465,"sentiment":"positive","sentiment_score":0.36196041107177734},{"text":"I'll get my team to follow through with that tomorrow for you. Yep. Is Yep. there anything I've missed or anything else that you wanted me to touch on that I haven't sort of touched on for you? Nah. All good.","start_word":7466,"end_word":7506,"sentiment":"neutral","sentiment_score":0.15447368163888048},{"text":"Thank you.","start_word":7507,"end_word":7508,"sentiment":"positive","sentiment_score":0.3723032474517822},{"text":"No?","start_word":7509,"end_word":7509,"sentiment":"neutral","sentiment_score":0.1845981776714325},{"text":"Beautiful. Thank you so much.","start_word":7510,"end_word":7514,"sentiment":"positive","sentiment_score":0.6780401468276978},{"text":"So what I'll do is I'll let you go, and I'll get stuck into the research there. My team will touch base next Tuesday afternoon to go through a bit of a pre assessment with you Yep. as well.","start_word":7515,"end_word":7553,"sentiment":"neutral","sentiment_score":0.23246333003044128},{"text":"And Perfect.","start_word":7554,"end_word":7555,"sentiment":"positive","sentiment_score":0.4282291531562805},{"text":"if you find you have any questions in the meantime, let me know. And if you can Perfect. just sign and return that audio sign, that would be fabulous. Okay? Yep.","start_word":7556,"end_word":7586,"sentiment":"neutral","sentiment_score":0.261430025100708},{"text":"Perfect. Thank you so much. My pleasure, Lisa. Have a great afternoon. Enjoy the rest Yep. of your public holiday.","start_word":7587,"end_word":7606,"sentiment":"positive","sentiment_score":0.6618579030036926},{"text":"Yeah. We will.","start_word":7607,"end_word":7609,"sentiment":"neutral","sentiment_score":0.27932900190353394},{"text":"Thank you so much. Thank you. Talk soon.","start_word":7610,"end_word":7617,"sentiment":"positive","sentiment_score":0.6051613092422485},{"text":"See you later. Bye. Bye.","start_word":7618,"end_word":7622,"sentiment":"neutral","sentiment_score":0.21664583683013916}],"average":{"sentiment":"neutral","sentiment_score":0.09070476425313125}}}}