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I was trying not to take up too much of your time. As I kinda mentioned, I had you booked in to go through an annual review there. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, I am discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all? Yeah. Fantastic. Well, I'll jump in and give you an update on your super to start with. So having a bit of a look at things, your super has been doing really, really well this year. I'm just pulling up the report. I'm so sorry. The report just dropped out on me. Gotta love computers and technology when it wants to actually work. That's exactly right. But, no, look, honestly, looking at your portfolio as a whole, it has been performing quite nicely there when we're looking at everything. Even with what's happening in the world at the moment, we have seen some ups and downs there. Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there. That was kinda when we saw one of the big the bigger dips to your portfolio. But we've also seen a bit of recovery in that point as well, which is good to see. I can also see what your new contribution's going in there as well from your new employer. That's fantastic. How long have you been working for them for? Yeah. Fantastic. And you're enjoying it still? Fantastic. Excellent. With your super, they're having a look now. Your balance as of this time last year was about $173,004.64, and your balance now is $192.02 $1.01. So, again, a good increase there. When we look at the performance after fees, so net, you've made a 9.08 percent return. So it's good to see a positive return there. Some people do prefer a dollar figure as opposed to a percentage, so that equates to earnings in the portfolio of about 20,422 for you for the year. Okay? Yeah. Yeah. It is really important we are reviewing, obviously, investments because what was in your portfolio years ago, which might have been working well, may no longer be working for you now. So what I'm going through and having a bit of a look at everything, it does look like one of your investments is kinda underperforming a little bit there. You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio initially. It had been great for the last couple of years. I had seen some really good returns up until kinda COVID. It's been a bit up and down the last couple of years from there. What I would like to maybe do is look at replacing that with something else. It's kind of underperforming still at the moment. I don't think there's any point in keeping it there. I'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio. Are you open to me doing that for you? Yeah. Fantastic. It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals. So it's definitely a good thing to do that, reassess what risk level you're taking the investments, and make sure you're on track towards meeting your goals. Okay? Yeah. Beautiful. With the, the way investments work and the way you can be invested, there are a couple of different ways. So as I mentioned, Bennelong was an actively managed fund that was placed in there for you. Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market? You are paying to have that kind of fund manager in there. So it can be a little bit more expensive to have those fund managers. Alternatively, we can look at something a bit more passive. So passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform. They're just participating. It can be a cheaper way to invest, and over the longer term can provide greater returns. Did you want me to look at something passive, or did you still wanna have that active management in there? Or yeah. Absolutely. I'll have a look at the options. I've got a few options that we can swap it out with and have a look at for you. I'll go back. I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are. Does that sound okay? Yeah. Beautiful. Excellent. Other than that, that's all working really nicely here. Your contributions are going in, which is fantastic. When you think about your super, have you look at your circumstances at the moment. Now you're 51 this year. Is that right? Yeah. Look. That's a positive. You're getting you you don't think of it as a bad thing. You're getting closer to being able to access your super, which is a great aspect. 51 years young this year is what I would say. All good. Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65. Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier? Yeah. Perfect. Yeah. Yeah. Absolutely. And you were sorta hoping for, I believe, an income in retirement of about $800 per week. Are you still thinking that would be sufficient at the moment? I know when we get to that point, it could be very different. But is that still where you're tracking goal wise at the moment, or would you like to alter that? Yeah. Fantastic. And having a look back in 2024, I believe you purchased a home. I've got an asset value on that one. The last value we had noted was about 420,000. What kind of value would you put on the property now? Yeah. Fantastic. Yeah. Yeah. Absolutely. It's good for us to already own a home, but it's a bit scary for anyone trying to get into the market currently in there. Yes. Wow. That's incredible. Yep. Getting up towards that million dollar mark. Yeah. Absolutely. Mortgage on the property, we had owing about 368,000. Have you been able to reduce that mortgage a little bit, or have you increased for anything additional? Yeah. Fantastic. Lovely. And one of the goals I had back when was that you were trying to obviously end up completely debt free for your retirement. Are you still hoping to have that mortgage paid off in that time frame, or how's that tracking? Yep. Yep. Yep. Yeah. Completely understandable. And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment? Yeah. Fantastic. All good. The other thing I have done here now, I've also got noted that you've got three kids at home. You still got all three kids living at home? Yeah. Yeah. Beautiful. Are they minors 18, small children? Wow. You had twins. Fantastic. And there's three. You went through the terrible twos with two children. Oh, you did well. I'll tell you what. Teenage used to go. Hey? Yes. Yep. Yep. No. Perfect. All good. And I've got down here that you're still married. I've got your wife down, Helen, as your next of kin. You're still comfortable with that one? Yep. Fantastic. I'm also just double checking your beneficiaries there. So on your super, we do have it noted here that Helen is your beneficiary. So in the event of passing away, your super is paid out to her at a 100%. The good thing about this beneficiary is it's finding non lapsing. So that meant you only filled out one form. It doesn't have to be done again until you wanna revoke or alter that beneficiary nomination. But you're still comfortable with the way that's noted? Yeah. Fantastic. Beautiful. Now the other thing to kinda go through is your insurances. So out of your super, you are paying for your insurance cover with Clearview. You've got your life, your TPD, your income protection there. With your life cover, just to double check, do you understand how those insurances work? Do you did you have any questions about the cut the cover you have? Or no. That's okay. Yeah. Beautiful. Beautiful. Yeah. So with your cover at the moment, as I mentioned, your balance inside super is currently 190 sorry. $195.01 $1.03 as of today's date. It's gone up a bit since I I got the report up, which is fantastic. With your insurance, is your life cover there? You've got a benefit amount of $574,005.62. You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there. So does that benefit amount cover what you are wanting to cover with regard to your goals? Did you wanna look at reviewing that benefit amount at all? Yes. That's okay. Perfect. So just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted. Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover? Yep. Yep. That's okay. And was I'm sort of having a look back at your last sort of goals there, but was your goal with your life cover just to kind of have it paid out to Helen and have her be able to pay off the mortgage and live debt free? Or is there anything specific you wanted to have paid off with your life cover? Nice. All good. With the TPD, now total permanent disability, you are still living. So a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house. You have the same level of TPD in the event of never being able to go back to work again. And under a permanent capacity, we can also get access to your suit in there as well. You do so it's about the same level of cover. That would realistically still pay out the mortgage completely and leave a little bit of additional benefit there. However, I do like to make sure everyone is aware. If you're under 60 and you claim on TBD, it is unfortunately taxed at a certain rate as well. So there are some taxes that may come into effect there. But are you happy with the level of cover? Did you wanna reevaluate that at all? Yep. Yep. That's okay. If it ever comes down and you wanna look or talk about it, let me know. Obviously, as you get older, these insurances do get more expensive. This year, the premium that came out, I actually have it here. So you paid $4,694.86 from your super fund for that. So they will get more expensive. So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you. Does that sound okay? Yeah. Fantastic. And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury. With my lovely note here from Michelle, she made mention your income's about 75,000 at the moment. Is that right? Okay. Yeah. Beautiful. Now with yeah. That's good. It's always good to get an increase in pay. You work hard. You deserve it. So, realistically, having a look at that, with income protection, you can be covered for up to 70% of your income if you're off work due to illness or injury. Looking at your income at the moment, your current level of income protection, you are slightly underinsured there. Not by a huge amount. Yes. So your benefit amount pretax because income tax is is deducted from the monthly benefit as well if you're on a claim. The benefit amount that you're covered for is 3,350. Looking at 70% of your current income would mean you would need to be covered for 4,375. In saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for. Does Helen work as well? Does she bring in an income to the family, or are you just a sole breadwinner? Yep. Okay. Beautiful. So if you were not able to get a work and say you were drawing the monthly benefit down, does that benefit plus, say, her income feel like it would be enough to cover the expenses? I mean, just give you a basic level of living, or do you think you would need to increase it? Yep. That's okay. Not a problem at all. Excellent. And with this one here, you've got a ninety day waiting period, so you just have to be off work for ninety days if anything happens. What I would suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call. Let us know. Was it when we know the first date that you've stopped working and the reason for, we can always contact the insurer and get the claim started. And that way, at ninety days, we can get the claims paperwork submitted to start the claim for you. That way, it alleviates a large backlog and gets the claim processed as quickly as possible. And then with a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless. But we would certainly hope you wouldn't be off for that long. Beautiful. Beautiful. So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right? Yep. Beautiful. If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know. More than happy to make time to do so for you. Okay? Yeah. Beautiful. Now other assets I have noted on your file from last time, you have a caravan. Do you still happen to have that one? It's gone? All good. Any plans to get a new one down the track for those retirement years? Or Yeah. Yes. Yeah. Yeah. Yeah. Yeah. When do you, yeah, when you sorta weigh up the cost of registration, servicing, insurances, and things like that, if you're not really enjoying it, it kind of becomes a bit of a liability, doesn't it? No. All good. I also had here you had I don't believe this is a car. I think it's two. How many vehicles do you own? I'm so sorry. Three? Perfect. What are they? I'll note them down separately for you. Yep. Perfect. Oh, fantastic. And with those vehicles, what sort of rough estimate would you put value wise on them? Yep. Perfect. Yep. Yeah. Nice. Nice. And you own all those outright as well? Yeah. Fantastic. Lovely. I also had it noted here. You have some cash in savings about a thousand dollars with the worth on the house. I'm assuming a lot of the excess cash goes into that. But do you have anything in saving at the moment? Yep. Yep. Beautiful. Excellent. And how do you find the expenditure wise? Is everything kind of stay going into the house at the moment, or are you managing to put away much out of your weekly income? Okay. Yeah. Perfect. And is that going on to the mortgage, like, reducing that offset? Yes. Yep. Perfect. Lovely. Excellent. One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super. Is that something you're still looking at doing, or is that more just down the track once you've done the house renovations? And yep. Perfect. Yeah. Yep. Fantastic. So twelve months to get the renovations done. And whereabouts are you up to? Yeah. Fantastic. It's a big job, isn't it? Yep. Yep. Are you doing the bathroom yourself, or are you getting someone in to do it? Yep. Yep. Oh, fantastic. That's excellent. It's definitely on my list of things to do in my bathroom, but I'm gonna have to get someone else in to do it. My my bathroom is definitely a lovely pink nineteen sixties color. It definitely needs to be completely pulled apart, and I'm a bit scared of what they're gonna find when they start pulling all that stuff apart. It is. It is. It is. But, no, it'll be okay eventually. We'll just get someone to come in and give me the bad news in one day and then drink a whole bottle of wine maybe afterwards. Oh, well, good luck. I hope it all goes well with getting that done in twelve months. It'll be all be nice when it's all done for you. Yeah. Fantastic. I will just go back and double check the beneficiaries on your insurance policy as well. I can't quite see at the moment that they are up to date as the support is a little bit not working for me. So I'll go back and double check those. If there's any need to update them, I'll make sure we will. I'll just make sure we got Helen down there for you on those. Okay? Excellent. The other thing with the estate planning is have you guys got a will to have attorney? Have you just sort of spoken about doing those up? Yep. Okay. Yep. Perfect. So in the works. Yeah. Yep. Fantastic. And you've got a solicitor that you are trusting to kinda do all that up for you at the moment? Yep. Perfect. Excellent. One of those things is we kind of tend to put off, but it's really important to make sure everything's kinda covered in the event something was to happen. Yeah. Fantastic. And just going through, I think I've got mostly everything here for you. So what I can do now, if you like, is I'll go back. I'll have a bit of a review of your portfolio to see how you invested. I'll double check your asset allocation is all correct there. Just on the asset allocation, having a look at things, now you are invested in a growth portfolio. So that generally sees about 80% of your super investing growth assets. I think things like straight in shares, international shares, listed property, and also commodities like gold and silver there. Realistically, that's where we tend to see you for your agent stage with you still having over ten years before accessing super there. You can still be taking on a bit more risk in the market and being in that growth environment to obtain greater growth long term, but it does open you up to short term volatility. So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well. In that kind of growth environment, you still see about 20% in low risk defensive investments, the things like cash, bonds, and fixed interest that you have more of those growth assets to try and get that greater potential returns. With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis. That's what you're sort of aiming for with this portfolio. So anything over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance. And we do know with the ups and downs, you do feel the negative returns. We do see them every couple of years. It is expected in normal, and we can a negative return about one in every sort of five years at the moment. With where you are age and stage, you're fine to be in that sort of growth environment a little bit longer. Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things? Yeah. You are. So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance. So you're kind of in that middle range there. Growth environment through someone who has at least six years before they're accessing their super, and that's because you do do feel those ups and downs in the market in the short term. So we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that. We wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage of all those downtimes, and get that good growth as the market recovers before you're accessing your sofa. Yep. That's Yeah. That's absolutely fine. If you feel you are uncomfortable or nervous at any point, let me know. You're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes. So you can ask for me. I'll book you in at any point in time. You do pay an ongoing service fee for having us here as well, so you mentally use me to your advantage. If you're feeling nervous or concerned or just wanna chat about how things are going or an updated balance or, you know, have some questions on anything, feel free to give me a call. I'll book in a time that suits you to make sure we go through these sorts of things. And down the track, we wanna do more catch ups with you as well. Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment? What would you like to see? Six months? Yep. Absolutely. Not a problem at all. I'll pop that in the calendar there so my admin team member, Michelle, will give you a call and book in a time to, you know, have that catch up in about six months' time. And in the meantime, I'll go back and review the portfolio and just update the advice to make sure we're on track. I'll look at your goals because you are just over that ten year time horizon. You're, you know, in your fifties now. I'll take into account the long term effect and what we're sort of tracking for and how this might look projected towards retirement, just to give you a bit of an idea on what that sort of looks like, and then we can kind of go from there and keep sort of tracking and looking at what what we're moving towards as we get there. Does that sound okay with you? Yeah. Beautiful. As I said, getting older is not always a bad thing. And then once you kinda hit that 60 to 65 mark, there's some other really cool strategies we can put in place to give you kind of a last little bit of a boost towards those retirement years, pump as much money as we can into super as well. So there's there's some other things that we can look forward to down the track, so don't let your age, you know, feel disappointing in any way, shape, or form. It's fantastic where you're tracking for. Yeah. All good. The only thing I just have to let you know is we will send out your annual review pack probably in the next sort of twenty four hours. It will contain the financial services guide, which outlines everything about who I am. It's got my registration number. I'm a licensed adviser through ASIC. It's also got all the information on our business, all the other services you're entitled to as well. So we don't just provide advice around super insurances. We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well. We yeah. I'll add the ongoing service agreement in there as well. Now you do pay an ongoing service fee for our services for us looking after everything for you. It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super. So when your super is doing really well, it does mean our fee increases slightly. However, as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you. Okay. Yeah. Did you have any questions about the ongoing service fee or how that works at all? No? Beautiful. Beautiful. I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well. Let me know if there's any questions in relation to any of those. And there might also just be, like, a tax file opt in form as well. We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well. Okay? Yeah. All good. Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg? Yep. Beautiful. Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know. In the meantime, we'll get the annual review pack out to you in the next sort of twenty four hours. If you can just sign and return it back, and I'll get stuck into reviewing your portfolio and updating the advice for you. We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do. Okay? Easy. Thank you so much for your time. I really appreciate it. I hope you have a lovely day. Alright. Thanks, Greg. See you. 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Gregory. It's Dana again from Oakview Financial. Is now a better time there for you? Fantastic. How's your morning been so fast?\n\nSounds busy. Yeah. That that's okay. I was trying not to take up too much of your time. As I kinda mentioned, I had you booked in to go through an annual review there.\n\nJust before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, I am discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Beautiful. Thank you so much for that. So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all?\n\nYeah. Fantastic. Well, I'll jump in and give you an update on your super to start with. So having a bit of a look at things, your super has been doing really, really well this year. I'm just pulling up the report.\n\nI'm so sorry. The report just dropped out on me. Gotta love computers and technology when it wants to actually work. That's exactly right. But, no, look, honestly, looking at your portfolio as a whole, it has been performing quite nicely there when we're looking at everything.\n\nEven with what's happening in the world at the moment, we have seen some ups and downs there. Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there. That was kinda when we saw one of the big the bigger dips to your portfolio. But we've also seen a bit of recovery in that point as well, which is good to see. I can also see what your new contribution's going in there as well from your new employer.\n\nThat's fantastic. How long have you been working for them for? Yeah. Fantastic. And you're enjoying it still?\n\nFantastic. Excellent. With your super, they're having a look now. Your balance as of this time last year was about $173,004.64, and your balance now is $192.02 $1.01. So, again, a good increase there.\n\nWhen we look at the performance after fees, so net, you've made a 9.08 percent return. So it's good to see a positive return there. Some people do prefer a dollar figure as opposed to a percentage, so that equates to earnings in the portfolio of about 20,422 for you for the year. Okay? Yeah.\n\nYeah. It is really important we are reviewing, obviously, investments because what was in your portfolio years ago, which might have been working well, may no longer be working for you now. So what I'm going through and having a bit of a look at everything, it does look like one of your investments is kinda underperforming a little bit there. You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio initially. It had been great for the last couple of years.\n\nI had seen some really good returns up until kinda COVID. It's been a bit up and down the last couple of years from there. What I would like to maybe do is look at replacing that with something else. It's kind of underperforming still at the moment. I don't think there's any point in keeping it there.\n\nI'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio. Are you open to me doing that for you? Yeah. Fantastic. It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals.\n\nSo it's definitely a good thing to do that, reassess what risk level you're taking the investments, and make sure you're on track towards meeting your goals. Okay? Yeah. Beautiful. With the, the way investments work and the way you can be invested, there are a couple of different ways.\n\nSo as I mentioned, Bennelong was an actively managed fund that was placed in there for you. Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market? You are paying to have that kind of fund manager in there. So it can be a little bit more expensive to have those fund managers. Alternatively, we can look at something a bit more passive.\n\nSo passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform. They're just participating. It can be a cheaper way to invest, and over the longer term can provide greater returns. Did you want me to look at something passive, or did you still wanna have that active management in there? Or yeah.\n\nAbsolutely. I'll have a look at the options. I've got a few options that we can swap it out with and have a look at for you. I'll go back. I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are.\n\nDoes that sound okay? Yeah. Beautiful. Excellent. Other than that, that's all working really nicely here.\n\nYour contributions are going in, which is fantastic. When you think about your super, have you look at your circumstances at the moment. Now you're 51 this year. Is that right? Yeah.\n\nLook. That's a positive. You're getting you you don't think of it as a bad thing. You're getting closer to being able to access your super, which is a great aspect. 51 years young this year is what I would say.\n\nAll good. Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65. Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier? Yeah. Perfect.\n\nYeah. Yeah. Absolutely. And you were sorta hoping for, I believe, an income in retirement of about $800 per week. Are you still thinking that would be sufficient at the moment?\n\nI know when we get to that point, it could be very different. But is that still where you're tracking goal wise at the moment, or would you like to alter that? Yeah. Fantastic. And having a look back in 2024, I believe you purchased a home.\n\nI've got an asset value on that one. The last value we had noted was about 420,000. What kind of value would you put on the property now? Yeah. Fantastic.\n\nYeah. Yeah. Absolutely. It's good for us to already own a home, but it's a bit scary for anyone trying to get into the market currently in there. Yes.\n\nWow. That's incredible. Yep. Getting up towards that million dollar mark. Yeah.\n\nAbsolutely. Mortgage on the property, we had owing about 368,000. Have you been able to reduce that mortgage a little bit, or have you increased for anything additional? Yeah. Fantastic.\n\nLovely. And one of the goals I had back when was that you were trying to obviously end up completely debt free for your retirement. Are you still hoping to have that mortgage paid off in that time frame, or how's that tracking? Yep. Yep.\n\nYep. Yeah. Completely understandable. And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment? Yeah.\n\nFantastic. All good. The other thing I have done here now, I've also got noted that you've got three kids at home. You still got all three kids living at home? Yeah.\n\nYeah. Beautiful. Are they minors 18, small children? Wow. You had twins.\n\nFantastic. And there's three. You went through the terrible twos with two children. Oh, you did well. I'll tell you what.\n\nTeenage used to go. Hey? Yes. Yep. Yep.\n\nNo. Perfect. All good. And I've got down here that you're still married. I've got your wife down, Helen, as your next of kin.\n\nYou're still comfortable with that one? Yep. Fantastic. I'm also just double checking your beneficiaries there. So on your super, we do have it noted here that Helen is your beneficiary.\n\nSo in the event of passing away, your super is paid out to her at a 100%. The good thing about this beneficiary is it's finding non lapsing. So that meant you only filled out one form. It doesn't have to be done again until you wanna revoke or alter that beneficiary nomination. But you're still comfortable with the way that's noted?\n\nYeah. Fantastic. Beautiful. Now the other thing to kinda go through is your insurances. So out of your super, you are paying for your insurance cover with Clearview.\n\nYou've got your life, your TPD, your income protection there. With your life cover, just to double check, do you understand how those insurances work? Do you did you have any questions about the cut the cover you have? Or no. That's okay.\n\nYeah. Beautiful. Beautiful. Yeah. So with your cover at the moment, as I mentioned, your balance inside super is currently 190 sorry.\n\n$195.01 $1.03 as of today's date. It's gone up a bit since I I got the report up, which is fantastic. With your insurance, is your life cover there? You've got a benefit amount of $574,005.62. You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there.\n\nSo does that benefit amount cover what you are wanting to cover with regard to your goals? Did you wanna look at reviewing that benefit amount at all? Yes. That's okay. Perfect.\n\nSo just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted. Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover? Yep. Yep. That's okay.\n\nAnd was I'm sort of having a look back at your last sort of goals there, but was your goal with your life cover just to kind of have it paid out to Helen and have her be able to pay off the mortgage and live debt free? Or is there anything specific you wanted to have paid off with your life cover? Nice. All good. With the TPD, now total permanent disability, you are still living.\n\nSo a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house. You have the same level of TPD in the event of never being able to go back to work again. And under a permanent capacity, we can also get access to your suit in there as well. You do so it's about the same level of cover. That would realistically still pay out the mortgage completely and leave a little bit of additional benefit there.\n\nHowever, I do like to make sure everyone is aware. If you're under 60 and you claim on TBD, it is unfortunately taxed at a certain rate as well. So there are some taxes that may come into effect there. But are you happy with the level of cover? Did you wanna reevaluate that at all?\n\nYep. Yep. That's okay. If it ever comes down and you wanna look or talk about it, let me know. Obviously, as you get older, these insurances do get more expensive.\n\nThis year, the premium that came out, I actually have it here. So you paid $4,694.86 from your super fund for that. So they will get more expensive. So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you. Does that sound okay?\n\nYeah. Fantastic. And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury. With my lovely note here from Michelle, she made mention your income's about 75,000 at the moment. Is that right?\n\nOkay. Yeah. Beautiful. Now with yeah. That's good.\n\nIt's always good to get an increase in pay. You work hard. You deserve it. So, realistically, having a look at that, with income protection, you can be covered for up to 70% of your income if you're off work due to illness or injury. Looking at your income at the moment, your current level of income protection, you are slightly underinsured there.\n\nNot by a huge amount. Yes. So your benefit amount pretax because income tax is is deducted from the monthly benefit as well if you're on a claim. The benefit amount that you're covered for is 3,350. Looking at 70% of your current income would mean you would need to be covered for 4,375.\n\nIn saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for. Does Helen work as well? Does she bring in an income to the family, or are you just a sole breadwinner? Yep. Okay.\n\nBeautiful. So if you were not able to get a work and say you were drawing the monthly benefit down, does that benefit plus, say, her income feel like it would be enough to cover the expenses? I mean, just give you a basic level of living, or do you think you would need to increase it? Yep. That's okay.\n\nNot a problem at all. Excellent. And with this one here, you've got a ninety day waiting period, so you just have to be off work for ninety days if anything happens. What I would suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call. Let us know.\n\nWas it when we know the first date that you've stopped working and the reason for, we can always contact the insurer and get the claim started. And that way, at ninety days, we can get the claims paperwork submitted to start the claim for you. That way, it alleviates a large backlog and gets the claim processed as quickly as possible. And then with a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless. But we would certainly hope you wouldn't be off for that long.\n\nBeautiful. Beautiful. So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right?\n\nYep. Beautiful. If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know. More than happy to make time to do so for you. Okay?\n\nYeah. Beautiful. Now other assets I have noted on your file from last time, you have a caravan. Do you still happen to have that one? It's gone?\n\nAll good. Any plans to get a new one down the track for those retirement years? Or Yeah. Yes. Yeah.\n\nYeah. Yeah. Yeah. When do you, yeah, when you sorta weigh up the cost of registration, servicing, insurances, and things like that, if you're not really enjoying it, it kind of becomes a bit of a liability, doesn't it? No.\n\nAll good. I also had here you had I don't believe this is a car. I think it's two. How many vehicles do you own? I'm so sorry.\n\nThree? Perfect. What are they? I'll note them down separately for you. Yep.\n\nPerfect. Oh, fantastic. And with those vehicles, what sort of rough estimate would you put value wise on them? Yep. Perfect.\n\nYep. Yeah. Nice. Nice. And you own all those outright as well?\n\nYeah. Fantastic. Lovely. I also had it noted here. You have some cash in savings about a thousand dollars with the worth on the house.\n\nI'm assuming a lot of the excess cash goes into that. But do you have anything in saving at the moment? Yep. Yep. Beautiful.\n\nExcellent. And how do you find the expenditure wise? Is everything kind of stay going into the house at the moment, or are you managing to put away much out of your weekly income? Okay. Yeah.\n\nPerfect. And is that going on to the mortgage, like, reducing that offset? Yes. Yep. Perfect.\n\nLovely. Excellent. One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super. Is that something you're still looking at doing, or is that more just down the track once you've done the house renovations? And yep.\n\nPerfect. Yeah. Yep. Fantastic. So twelve months to get the renovations done.\n\nAnd whereabouts are you up to? Yeah. Fantastic. It's a big job, isn't it? Yep.\n\nYep. Are you doing the bathroom yourself, or are you getting someone in to do it? Yep. Yep. Oh, fantastic.\n\nThat's excellent. It's definitely on my list of things to do in my bathroom, but I'm gonna have to get someone else in to do it. My my bathroom is definitely a lovely pink nineteen sixties color. It definitely needs to be completely pulled apart, and I'm a bit scared of what they're gonna find when they start pulling all that stuff apart. It is.\n\nIt is. It is. But, no, it'll be okay eventually. We'll just get someone to come in and give me the bad news in one day and then drink a whole bottle of wine maybe afterwards. Oh, well, good luck.\n\nI hope it all goes well with getting that done in twelve months. It'll be all be nice when it's all done for you. Yeah. Fantastic. I will just go back and double check the beneficiaries on your insurance policy as well.\n\nI can't quite see at the moment that they are up to date as the support is a little bit not working for me. So I'll go back and double check those. If there's any need to update them, I'll make sure we will. I'll just make sure we got Helen down there for you on those. Okay?\n\nExcellent. The other thing with the estate planning is have you guys got a will to have attorney? Have you just sort of spoken about doing those up? Yep. Okay.\n\nYep. Perfect. So in the works. Yeah. Yep.\n\nFantastic. And you've got a solicitor that you are trusting to kinda do all that up for you at the moment? Yep. Perfect. Excellent.\n\nOne of those things is we kind of tend to put off, but it's really important to make sure everything's kinda covered in the event something was to happen. Yeah. Fantastic. And just going through, I think I've got mostly everything here for you. So what I can do now, if you like, is I'll go back.\n\nI'll have a bit of a review of your portfolio to see how you invested. I'll double check your asset allocation is all correct there. Just on the asset allocation, having a look at things, now you are invested in a growth portfolio. So that generally sees about 80% of your super investing growth assets. I think things like straight in shares, international shares, listed property, and also commodities like gold and silver there.\n\nRealistically, that's where we tend to see you for your agent stage with you still having over ten years before accessing super there. You can still be taking on a bit more risk in the market and being in that growth environment to obtain greater growth long term, but it does open you up to short term volatility. So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well. In that kind of growth environment, you still see about 20% in low risk defensive investments, the things like cash, bonds, and fixed interest that you have more of those growth assets to try and get that greater potential returns. With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis.\n\nThat's what you're sort of aiming for with this portfolio. So anything over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance. And we do know with the ups and downs, you do feel the negative returns.\n\nWe do see them every couple of years. It is expected in normal, and we can a negative return about one in every sort of five years at the moment. With where you are age and stage, you're fine to be in that sort of growth environment a little bit longer. Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things? Yeah.\n\nYou are. So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance. So you're kind of in that middle range there. Growth environment through someone who has at least six years before they're accessing their super, and that's because you do do feel those ups and downs in the market in the short term. So we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that.\n\nWe wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage of all those downtimes, and get that good growth as the market recovers before you're accessing your sofa. Yep. That's Yeah. That's absolutely fine. If you feel you are uncomfortable or nervous at any point, let me know.\n\nYou're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes. So you can ask for me. I'll book you in at any point in time. You do pay an ongoing service fee for having us here as well, so you mentally use me to your advantage. If you're feeling nervous or concerned or just wanna chat about how things are going or an updated balance or, you know, have some questions on anything, feel free to give me a call.\n\nI'll book in a time that suits you to make sure we go through these sorts of things. And down the track, we wanna do more catch ups with you as well. Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment? What would you like to see? Six months?\n\nYep. Absolutely. Not a problem at all. I'll pop that in the calendar there so my admin team member, Michelle, will give you a call and book in a time to, you know, have that catch up in about six months' time. And in the meantime, I'll go back and review the portfolio and just update the advice to make sure we're on track.\n\nI'll look at your goals because you are just over that ten year time horizon. You're, you know, in your fifties now. I'll take into account the long term effect and what we're sort of tracking for and how this might look projected towards retirement, just to give you a bit of an idea on what that sort of looks like, and then we can kind of go from there and keep sort of tracking and looking at what what we're moving towards as we get there. Does that sound okay with you? Yeah.\n\nBeautiful. As I said, getting older is not always a bad thing. And then once you kinda hit that 60 to 65 mark, there's some other really cool strategies we can put in place to give you kind of a last little bit of a boost towards those retirement years, pump as much money as we can into super as well. So there's there's some other things that we can look forward to down the track, so don't let your age, you know, feel disappointing in any way, shape, or form. It's fantastic where you're tracking for.\n\nYeah. All good. The only thing I just have to let you know is we will send out your annual review pack probably in the next sort of twenty four hours. It will contain the financial services guide, which outlines everything about who I am. It's got my registration number.\n\nI'm a licensed adviser through ASIC. It's also got all the information on our business, all the other services you're entitled to as well. So we don't just provide advice around super insurances. We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well. We yeah.\n\nI'll add the ongoing service agreement in there as well. Now you do pay an ongoing service fee for our services for us looking after everything for you. It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super. So when your super is doing really well, it does mean our fee increases slightly. However, as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you.\n\nOkay. Yeah. Did you have any questions about the ongoing service fee or how that works at all? No? Beautiful.\n\nBeautiful. I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well. Let me know if there's any questions in relation to any of those. And there might also just be, like, a tax file opt in form as well. We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well.\n\nOkay? Yeah. All good. Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg? Yep.\n\nBeautiful. Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know. In the meantime, we'll get the annual review pack out to you in the next sort of twenty four hours. If you can just sign and return it back, and I'll get stuck into reviewing your portfolio and updating the advice for you. We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do.\n\nOkay? Easy. Thank you so much for your time. I really appreciate it. I hope you have a lovely day.\n\nAlright. Thanks, Greg. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Gregory.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13991840183734894},{"text":"It's Dana again from Oakview Financial.","start":2.6399999,"end":4.48,"sentiment":"neutral","sentiment_score":0.19460617005825043},{"text":"Is now a better time there for you?","start":4.48,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2654542997479439},{"text":"Fantastic.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.5959676504135132},{"text":"How's your morning been so fast?","start":8.8,"end":10.48,"sentiment":"positive","sentiment_score":0.37694550553957623}],"sentiment":"neutral","sentiment_score":0.2795108219851618,"num_words":23,"start":1.92,"end":10.48},{"sentences":[{"text":"Sounds busy.","start":10.48,"end":11.219999,"sentiment":"neutral","sentiment_score":0.03237410821020603},{"text":"Yeah.","start":13.165,"end":13.485,"sentiment":"neutral","sentiment_score":0.06916850060224533},{"text":"That that's okay.","start":13.485,"end":14.605,"sentiment":"neutral","sentiment_score":0.09700578451156616},{"text":"I was trying not to take up too much of your time.","start":14.605,"end":16.705,"sentiment":"neutral","sentiment_score":-0.050058506118754544},{"text":"As I kinda mentioned, I had you booked in to go through an annual review there.","start":16.925,"end":20.305,"sentiment":"neutral","sentiment_score":0.04970929119735956}],"sentiment":"neutral","sentiment_score":0.018222960479119244,"num_words":34,"start":10.48,"end":20.305},{"sentences":[{"text":"Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":21.244999,"end":25.805,"sentiment":"neutral","sentiment_score":0.07313396005580823},{"text":"Are you happy for me to proceed with that?","start":25.805,"end":27.825,"sentiment":"neutral","sentiment_score":0.12748456994692484},{"text":"Fantastic.","start":29.400002,"end":29.880001,"sentiment":"positive","sentiment_score":0.40714478492736816},{"text":"And just to do security, I am discussing your personal information.","start":29.880001,"end":32.760002,"sentiment":"neutral","sentiment_score":0.17489310828122226},{"text":"So I'll get you to confirm your full name, your date of birth, and address I should have on file.","start":32.760002,"end":36.62,"sentiment":"neutral","sentiment_score":0.13635087423026562}],"sentiment":"neutral","sentiment_score":0.12247019433058225,"num_words":65,"start":21.244999,"end":36.62},{"sentences":[{"text":"Yep.","start":43.015,"end":43.255,"sentiment":"neutral","sentiment_score":0.03233914449810982},{"text":"Yep.","start":43.255,"end":43.755,"sentiment":"neutral","sentiment_score":0.026364168152213097},{"text":"Beautiful.","start":45.895,"end":46.375,"sentiment":"positive","sentiment_score":0.517205536365509},{"text":"Thank you so much for that.","start":46.375,"end":48.075,"sentiment":"positive","sentiment_score":0.6536579628785452},{"text":"So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all?","start":48.375,"end":55.835,"sentiment":"neutral","sentiment_score":0.14572867337200376}],"sentiment":"neutral","sentiment_score":0.21653530817064975,"num_words":45,"start":43.015,"end":55.835},{"sentences":[{"text":"Yeah.","start":59.07,"end":59.57,"sentiment":"neutral","sentiment_score":0.267828106880188},{"text":"Fantastic.","start":59.71,"end":60.21,"sentiment":"positive","sentiment_score":0.41288885474205017},{"text":"Well, I'll jump in and give you an update on your super to start with.","start":60.75,"end":63.63,"sentiment":"neutral","sentiment_score":0.26564622422059375},{"text":"So having a bit of a look at things, your super has been doing really, really well this year.","start":63.63,"end":68.13,"sentiment":"neutral","sentiment_score":0.3078021250273052},{"text":"I'm just pulling up the report.","start":68.625,"end":69.98499,"sentiment":"neutral","sentiment_score":0.029030334514876206}],"sentiment":"neutral","sentiment_score":0.2544722073223619,"num_words":42,"start":59.07,"end":69.98499},{"sentences":[{"text":"I'm so sorry.","start":69.98499,"end":70.704994,"sentiment":"neutral","sentiment_score":-0.11151042332251866},{"text":"The report just dropped out on me.","start":70.704994,"end":72.48499,"sentiment":"neutral","sentiment_score":-0.12727670690843038},{"text":"Gotta love computers and technology when it wants to actually work.","start":73.905,"end":77.125,"sentiment":"neutral","sentiment_score":0.06808353012258356},{"text":"That's exactly right.","start":80.30499,"end":81.765,"sentiment":"neutral","sentiment_score":-0.027385301887989044},{"text":"But, no, look, honestly, looking at your portfolio as a whole, it has been performing quite nicely there when we're looking at everything.","start":82.61,"end":89.19,"sentiment":"neutral","sentiment_score":0.06118060939985773}],"sentiment":"neutral","sentiment_score":0.01805210050116194,"num_words":47,"start":69.98499,"end":89.19},{"sentences":[{"text":"Even with what's happening in the world at the moment, we have seen some ups and downs there.","start":89.33,"end":93.43,"sentiment":"neutral","sentiment_score":-0.14094513778885207},{"text":"Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there.","start":93.49,"end":99.935,"sentiment":"neutral","sentiment_score":-0.2349271203080813},{"text":"That was kinda when we saw one of the big the bigger dips to your portfolio.","start":99.935,"end":103.315,"sentiment":"neutral","sentiment_score":-0.025825174758210778},{"text":"But we've also seen a bit of recovery in that point as well, which is good to see.","start":103.854996,"end":107.955,"sentiment":"positive","sentiment_score":0.42685197335150504},{"text":"I can also see what your new contribution's going in there as well from your new employer.","start":108.895,"end":112.815,"sentiment":"neutral","sentiment_score":0.30319540903848763}],"sentiment":"neutral","sentiment_score":0.055044140790899594,"num_words":90,"start":89.33,"end":112.815},{"sentences":[{"text":"That's fantastic.","start":112.815,"end":113.79,"sentiment":"positive","sentiment_score":0.7038940191268921},{"text":"How long have you been working for them for?","start":113.79,"end":115.97,"sentiment":"neutral","sentiment_score":0.07781938794586393},{"text":"Yeah.","start":118.59,"end":119.09,"sentiment":"neutral","sentiment_score":0.16817107796669006},{"text":"Fantastic.","start":119.15,"end":119.65,"sentiment":"positive","sentiment_score":0.44238317012786865},{"text":"And you're enjoying it still?","start":119.87,"end":121.409996,"sentiment":"positive","sentiment_score":0.36236628890037537}],"sentiment":"neutral","sentiment_score":0.2516971234646108,"num_words":18,"start":112.815,"end":121.409996},{"sentences":[{"text":"Fantastic.","start":122.99,"end":123.49,"sentiment":"positive","sentiment_score":0.4827537536621094},{"text":"Excellent.","start":123.87,"end":124.37,"sentiment":"positive","sentiment_score":0.4836679995059967},{"text":"With your super, they're having a look now.","start":125.405,"end":127.085,"sentiment":"positive","sentiment_score":0.41528504714369774},{"text":"Your balance as of this time last year was about $173,004.64, and your balance now is $192.02 $1.01.","start":127.085,"end":135.165,"sentiment":"neutral","sentiment_score":0.2720523418651687},{"text":"So, again, a good increase there.","start":135.165,"end":137.4,"sentiment":"positive","sentiment_score":0.5073456466197968}],"sentiment":"positive","sentiment_score":0.3596975930473384,"num_words":34,"start":122.99,"end":137.4},{"sentences":[{"text":"When we look at the performance after fees, so net, you've made a 9.08 percent return.","start":137.79999,"end":143.64,"sentiment":"neutral","sentiment_score":0.3167857890948653},{"text":"So it's good to see a positive return there.","start":143.64,"end":145.98,"sentiment":"positive","sentiment_score":0.5707742505603366},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so that equates to earnings in the portfolio of about 20,422 for you for the year.","start":146.51999,"end":156.85501,"sentiment":"neutral","sentiment_score":0.06420541747606226},{"text":"Okay?","start":156.85501,"end":157.35501,"sentiment":"neutral","sentiment_score":0.025586772710084915},{"text":"Yeah.","start":158.455,"end":158.955,"sentiment":"neutral","sentiment_score":-0.014538002200424671}],"sentiment":"neutral","sentiment_score":0.21844256982545962,"num_words":55,"start":137.79999,"end":158.955},{"sentences":[{"text":"Yeah.","start":159.735,"end":160.235,"sentiment":"neutral","sentiment_score":-0.05273234844207764},{"text":"It is really important we are reviewing, obviously, investments because what was in your portfolio years ago, which might have been working well, may no longer be working for you now.","start":161.57501,"end":170.26999,"sentiment":"neutral","sentiment_score":-0.1800050939763746},{"text":"So what I'm going through and having a bit of a look at everything, it does look like one of your investments is kinda underperforming a little bit there.","start":170.26999,"end":177.65,"sentiment":"neutral","sentiment_score":-0.2358405276619155},{"text":"You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio initially.","start":178.725,"end":187.865,"sentiment":"neutral","sentiment_score":-0.045704079984590924},{"text":"It had been great for the last couple of years.","start":188.565,"end":190.98,"sentiment":"neutral","sentiment_score":0.08889808356761933}],"sentiment":"neutral","sentiment_score":-0.12908703047782183,"num_words":100,"start":159.735,"end":190.98},{"sentences":[{"text":"I had seen some really good returns up until kinda COVID.","start":190.98,"end":193.95999,"sentiment":"neutral","sentiment_score":0.09215686063874852},{"text":"It's been a bit up and down the last couple of years from there.","start":194.02,"end":196.9,"sentiment":"neutral","sentiment_score":-0.13742372606481826},{"text":"What I would like to maybe do is look at replacing that with something else.","start":196.9,"end":200.6,"sentiment":"neutral","sentiment_score":-0.22895542184511822},{"text":"It's kind of underperforming still at the moment.","start":200.74,"end":202.98,"sentiment":"negative","sentiment_score":-0.5253861285746098},{"text":"I don't think there's any point in keeping it there.","start":202.98,"end":205.56,"sentiment":"negative","sentiment_score":-0.47614450827240945}],"sentiment":"neutral","sentiment_score":-0.22946676098067184,"num_words":58,"start":190.98,"end":205.56},{"sentences":[{"text":"I'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio.","start":205.99501,"end":214.655,"sentiment":"neutral","sentiment_score":0.24339834228157997},{"text":"Are you open to me doing that for you?","start":214.71501,"end":216.655,"sentiment":"neutral","sentiment_score":0.1566889708240827},{"text":"Yeah.","start":218.17,"end":218.41,"sentiment":"positive","sentiment_score":0.4714847803115845},{"text":"Fantastic.","start":218.41,"end":218.91,"sentiment":"positive","sentiment_score":0.764855146408081},{"text":"It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals.","start":219.37001,"end":226.57,"sentiment":"positive","sentiment_score":0.4847606133531641}],"sentiment":"positive","sentiment_score":0.3360546311097486,"num_words":70,"start":205.99501,"end":226.57},{"sentences":[{"text":"So it's definitely a good thing to do that, reassess what risk level you're taking the investments, and make sure you're on track towards meeting your goals.","start":226.57,"end":234.015,"sentiment":"positive","sentiment_score":0.5511171834336387},{"text":"Okay?","start":234.155,"end":234.655,"sentiment":"neutral","sentiment_score":0.2512720823287964},{"text":"Yeah.","start":235.75499,"end":236.25499,"sentiment":"positive","sentiment_score":0.3961213827133178},{"text":"Beautiful.","start":236.47499,"end":236.97499,"sentiment":"positive","sentiment_score":0.6872750520706177},{"text":"With the, the way investments work and the way you can be invested, there are a couple of different ways.","start":238.47499,"end":243.915,"sentiment":"neutral","sentiment_score":0.305486137419939}],"sentiment":"positive","sentiment_score":0.44649110436439515,"num_words":50,"start":226.57,"end":243.915},{"sentences":[{"text":"So as I mentioned, Bennelong was an actively managed fund that was placed in there for you.","start":243.915,"end":249.14,"sentiment":"neutral","sentiment_score":0.11211978468824835},{"text":"Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market?","start":249.76,"end":259.13998,"sentiment":"neutral","sentiment_score":0.02026973902408419},{"text":"You are paying to have that kind of fund manager in there.","start":259.695,"end":262.815,"sentiment":"neutral","sentiment_score":-0.09092929710944493},{"text":"So it can be a little bit more expensive to have those fund managers.","start":262.815,"end":266.915,"sentiment":"neutral","sentiment_score":-0.1312030250472682},{"text":"Alternatively, we can look at something a bit more passive.","start":267.29498,"end":269.935,"sentiment":"neutral","sentiment_score":0.05094428723677993}],"sentiment":"neutral","sentiment_score":0.0009183869242849873,"num_words":82,"start":243.915,"end":269.935},{"sentences":[{"text":"So passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform.","start":269.935,"end":277.08,"sentiment":"neutral","sentiment_score":0.1446014914823615},{"text":"They're just participating.","start":277.08,"end":278.13998,"sentiment":"neutral","sentiment_score":0.2725572536389033},{"text":"It can be a cheaper way to invest, and over the longer term can provide greater returns.","start":278.19998,"end":283.0,"sentiment":"positive","sentiment_score":0.4232299871304456},{"text":"Did you want me to look at something passive, or did you still wanna have that active management in there?","start":283.0,"end":287.44498,"sentiment":"neutral","sentiment_score":0.047891156002879146},{"text":"Or yeah.","start":287.44498,"end":293.625,"sentiment":"neutral","sentiment_score":0.11257990635931492}],"sentiment":"neutral","sentiment_score":0.19263690429238173,"num_words":65,"start":269.935,"end":293.625},{"sentences":[{"text":"Absolutely.","start":293.925,"end":294.425,"sentiment":"positive","sentiment_score":0.4155489206314087},{"text":"I'll have a look at the options.","start":294.88498,"end":296.085,"sentiment":"neutral","sentiment_score":0.25796726771763395},{"text":"I've got a few options that we can swap it out with and have a look at for you.","start":296.085,"end":299.49,"sentiment":"neutral","sentiment_score":0.27065275923201915},{"text":"I'll go back.","start":299.65,"end":300.37,"sentiment":"neutral","sentiment_score":0.02069758251309395},{"text":"I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are.","start":300.37,"end":313.97,"sentiment":"neutral","sentiment_score":0.059678228021684016}],"sentiment":"neutral","sentiment_score":0.13583320271022417,"num_words":74,"start":293.925,"end":313.97},{"sentences":[{"text":"Does that sound okay?","start":313.97,"end":315.11,"sentiment":"neutral","sentiment_score":0.05245066434144974},{"text":"Yeah.","start":316.605,"end":317.105,"sentiment":"positive","sentiment_score":0.3516663908958435},{"text":"Beautiful.","start":317.165,"end":317.665,"sentiment":"positive","sentiment_score":0.7265922427177429},{"text":"Excellent.","start":318.125,"end":318.625,"sentiment":"positive","sentiment_score":0.7159452438354492},{"text":"Other than that, that's all working really nicely here.","start":321.245,"end":323.965,"sentiment":"positive","sentiment_score":0.6761569248305427}],"sentiment":"positive","sentiment_score":0.5055886786431074,"num_words":16,"start":313.97,"end":323.965},{"sentences":[{"text":"Your contributions are going in, which is fantastic.","start":323.965,"end":326.465,"sentiment":"positive","sentiment_score":0.7617765739560127},{"text":"When you think about your super, have you look at your circumstances at the moment.","start":327.085,"end":330.81998,"sentiment":"neutral","sentiment_score":0.1173557053009669},{"text":"Now you're 51 this year.","start":330.81998,"end":332.41998,"sentiment":"neutral","sentiment_score":0.043860066682100296},{"text":"Is that right?","start":332.41998,"end":333.31998,"sentiment":"neutral","sentiment_score":0.08313252280155818},{"text":"Yeah.","start":334.81998,"end":335.22,"sentiment":"neutral","sentiment_score":0.12774112820625305}],"sentiment":"neutral","sentiment_score":0.2640933500370011,"num_words":32,"start":323.965,"end":335.22},{"sentences":[{"text":"Look.","start":335.22,"end":335.53998,"sentiment":"neutral","sentiment_score":0.2592121362686157},{"text":"That's a positive.","start":335.53998,"end":336.36,"sentiment":"positive","sentiment_score":0.5120258529980978},{"text":"You're getting you you don't think of it as a bad thing.","start":336.41998,"end":338.9,"sentiment":"positive","sentiment_score":0.386357843875885},{"text":"You're getting closer to being able to access your super, which is a great aspect.","start":338.9,"end":342.59998,"sentiment":"positive","sentiment_score":0.4373806193470955},{"text":"51 years young this year is what I would say.","start":346.355,"end":349.015,"sentiment":"neutral","sentiment_score":0.04245457276701927}],"sentiment":"neutral","sentiment_score":0.32723997169878427,"num_words":41,"start":335.22,"end":349.015},{"sentences":[{"text":"All good.","start":351.23502,"end":352.05502,"sentiment":"neutral","sentiment_score":0.2980197668075561},{"text":"Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65.","start":352.435,"end":358.755,"sentiment":"neutral","sentiment_score":0.03757044874131679},{"text":"Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier?","start":358.755,"end":363.23,"sentiment":"neutral","sentiment_score":0.017384347358816547},{"text":"Yeah.","start":369.53,"end":369.93,"sentiment":"neutral","sentiment_score":-0.003630340099334717},{"text":"Perfect.","start":369.93,"end":370.43,"sentiment":"neutral","sentiment_score":0.042957108467817307}],"sentiment":"neutral","sentiment_score":0.03968604417362561,"num_words":48,"start":351.23502,"end":370.43},{"sentences":[{"text":"Yeah.","start":372.025,"end":372.525,"sentiment":"neutral","sentiment_score":-0.018502257764339447},{"text":"Yeah.","start":374.985,"end":375.305,"sentiment":"neutral","sentiment_score":0.012313392013311386},{"text":"Absolutely.","start":375.305,"end":375.805,"sentiment":"neutral","sentiment_score":0.02450823411345482},{"text":"And you were sorta hoping for, I believe, an income in retirement of about $800 per week.","start":376.345,"end":382.04498,"sentiment":"neutral","sentiment_score":0.010058885933283497},{"text":"Are you still thinking that would be sufficient at the moment?","start":382.185,"end":384.745,"sentiment":"neutral","sentiment_score":-0.005889568985863166}],"sentiment":"neutral","sentiment_score":0.004017263560766174,"num_words":31,"start":372.025,"end":384.745},{"sentences":[{"text":"I know when we get to that point, it could be very different.","start":384.745,"end":387.50998,"sentiment":"neutral","sentiment_score":-0.026369587160073794},{"text":"But is that still where you're tracking goal wise at the moment, or would you like to alter that?","start":387.57,"end":392.22998,"sentiment":"neutral","sentiment_score":-0.014649631896693455},{"text":"Yeah.","start":394.93,"end":395.33,"sentiment":"neutral","sentiment_score":0.08344517648220062},{"text":"Fantastic.","start":395.33,"end":395.83,"sentiment":"neutral","sentiment_score":0.20787234604358673},{"text":"And having a look back in 2024, I believe you purchased a home.","start":396.77,"end":400.87,"sentiment":"neutral","sentiment_score":0.04007578877588877}],"sentiment":"neutral","sentiment_score":0.004067130584983115,"num_words":47,"start":384.745,"end":400.87},{"sentences":[{"text":"I've got an asset value on that one.","start":402.725,"end":404.565,"sentiment":"neutral","sentiment_score":0.04192753694951534},{"text":"The last value we had noted was about 420,000.","start":404.565,"end":407.685,"sentiment":"neutral","sentiment_score":0.024885597535305552},{"text":"What kind of value would you put on the property now?","start":407.685,"end":410.105,"sentiment":"neutral","sentiment_score":0.018160454166883774},{"text":"Yeah.","start":413.36502,"end":413.765,"sentiment":"neutral","sentiment_score":0.07842249423265457},{"text":"Fantastic.","start":413.765,"end":414.265,"sentiment":"neutral","sentiment_score":0.26569774746894836}],"sentiment":"neutral","sentiment_score":0.03677586369837324,"num_words":30,"start":402.725,"end":414.265},{"sentences":[{"text":"Yeah.","start":416.54,"end":417.04,"sentiment":"neutral","sentiment_score":0.05088634416460991},{"text":"Yeah.","start":417.1,"end":417.5,"sentiment":"neutral","sentiment_score":0.02426831051707268},{"text":"Absolutely.","start":417.5,"end":418.0,"sentiment":"neutral","sentiment_score":0.26295673847198486},{"text":"It's good for us to already own a home, but it's a bit scary for anyone trying to get into the market currently in there.","start":418.14,"end":423.6,"sentiment":"neutral","sentiment_score":-0.008572579771280288},{"text":"Yes.","start":426.06,"end":426.56,"sentiment":"neutral","sentiment_score":-0.05486663803458214}],"sentiment":"neutral","sentiment_score":0.002376905546106141,"num_words":29,"start":416.54,"end":426.56},{"sentences":[{"text":"Wow.","start":430.795,"end":431.295,"sentiment":"neutral","sentiment_score":0.29953569173812866},{"text":"That's incredible.","start":431.99503,"end":432.815,"sentiment":"positive","sentiment_score":0.5017163455486298},{"text":"Yep.","start":433.11502,"end":433.61502,"sentiment":"neutral","sentiment_score":0.1880851835012436},{"text":"Getting up towards that million dollar mark.","start":433.67502,"end":435.61502,"sentiment":"neutral","sentiment_score":0.1555900616305215},{"text":"Yeah.","start":441.93,"end":442.43,"sentiment":"neutral","sentiment_score":-0.0032033510506153107}],"sentiment":"neutral","sentiment_score":0.21474838722497225,"num_words":12,"start":430.795,"end":442.43},{"sentences":[{"text":"Absolutely.","start":442.65,"end":443.15,"sentiment":"neutral","sentiment_score":0.03756370395421982},{"text":"Mortgage on the property, we had owing about 368,000.","start":444.88998,"end":448.99,"sentiment":"neutral","sentiment_score":-0.00033064931631088257},{"text":"Have you been able to reduce that mortgage a little bit, or have you increased for anything additional?","start":449.05,"end":453.55,"sentiment":"neutral","sentiment_score":-0.002717406695915593},{"text":"Yeah.","start":458.665,"end":458.98502,"sentiment":"neutral","sentiment_score":0.11419514566659927},{"text":"Fantastic.","start":458.98502,"end":459.48502,"sentiment":"positive","sentiment_score":0.4581179916858673}],"sentiment":"neutral","sentiment_score":0.018599589231113593,"num_words":30,"start":442.65,"end":459.48502},{"sentences":[{"text":"Lovely.","start":459.945,"end":460.345,"sentiment":"positive","sentiment_score":0.440380334854126},{"text":"And one of the goals I had back when was that you were trying to obviously end up completely debt free for your retirement.","start":460.345,"end":466.105,"sentiment":"neutral","sentiment_score":0.14679988287389278},{"text":"Are you still hoping to have that mortgage paid off in that time frame, or how's that tracking?","start":466.105,"end":470.38,"sentiment":"neutral","sentiment_score":0.05350222780058781},{"text":"Yep.","start":474.04,"end":474.54,"sentiment":"neutral","sentiment_score":0.07600822299718857},{"text":"Yep.","start":476.52002,"end":477.02002,"sentiment":"neutral","sentiment_score":0.06704089790582657}],"sentiment":"neutral","sentiment_score":0.11265926100313664,"num_words":45,"start":459.945,"end":477.02002},{"sentences":[{"text":"Yep.","start":477.16,"end":477.66,"sentiment":"neutral","sentiment_score":0.05900433287024498},{"text":"Yeah.","start":483.57498,"end":484.055,"sentiment":"neutral","sentiment_score":0.08900579810142517},{"text":"Completely understandable.","start":484.055,"end":485.35498,"sentiment":"neutral","sentiment_score":0.17770644277334213},{"text":"And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment?","start":485.57498,"end":491.675,"sentiment":"neutral","sentiment_score":0.11845536359275381},{"text":"Yeah.","start":493.11002,"end":493.43,"sentiment":"neutral","sentiment_score":0.16062957048416138}],"sentiment":"neutral","sentiment_score":0.12093039011133128,"num_words":29,"start":477.16,"end":493.43},{"sentences":[{"text":"Fantastic.","start":493.43,"end":493.93,"sentiment":"positive","sentiment_score":0.33729153871536255},{"text":"All good.","start":494.47,"end":495.21,"sentiment":"neutral","sentiment_score":0.30292654037475586},{"text":"The other thing I have done here now, I've also got noted that you've got three kids at home.","start":496.55002,"end":501.03,"sentiment":"neutral","sentiment_score":0.06917564316015494},{"text":"You still got all three kids living at home?","start":501.03,"end":503.05,"sentiment":"neutral","sentiment_score":0.03509273649089866},{"text":"Yeah.","start":504.32498,"end":504.565,"sentiment":"neutral","sentiment_score":0.05343646556138992}],"sentiment":"neutral","sentiment_score":0.082086029171478,"num_words":32,"start":493.43,"end":504.565},{"sentences":[{"text":"Yeah.","start":504.565,"end":504.88498,"sentiment":"neutral","sentiment_score":0.08562377840280533},{"text":"Beautiful.","start":504.88498,"end":505.365,"sentiment":"neutral","sentiment_score":0.11945830285549164},{"text":"Are they minors 18, small children?","start":505.365,"end":507.94498,"sentiment":"neutral","sentiment_score":0.03161406982690096},{"text":"Wow.","start":511.845,"end":512.165,"sentiment":"neutral","sentiment_score":0.049276940524578094},{"text":"You had twins.","start":512.165,"end":513.14496,"sentiment":"neutral","sentiment_score":0.04531352904935678}],"sentiment":"neutral","sentiment_score":0.0483320023243626,"num_words":12,"start":504.565,"end":513.14496},{"sentences":[{"text":"Fantastic.","start":513.445,"end":513.945,"sentiment":"neutral","sentiment_score":0.20092132687568665},{"text":"And there's three.","start":516.34,"end":517.22003,"sentiment":"neutral","sentiment_score":-0.03939919670422872},{"text":"You went through the terrible twos with two children.","start":517.22003,"end":519.48,"sentiment":"neutral","sentiment_score":-0.14984874924023947},{"text":"Oh, you did well.","start":523.38,"end":524.5,"sentiment":"neutral","sentiment_score":-0.013944820035248995},{"text":"I'll tell you what.","start":524.5,"end":525.22003,"sentiment":"neutral","sentiment_score":-0.049029347486793995}],"sentiment":"neutral","sentiment_score":-0.0722767464993965,"num_words":21,"start":513.445,"end":525.22003},{"sentences":[{"text":"Teenage used to go.","start":525.22003,"end":526.26,"sentiment":"neutral","sentiment_score":-0.07486778125166893},{"text":"Hey?","start":526.26,"end":526.76,"sentiment":"neutral","sentiment_score":-0.058429405093193054},{"text":"Yes.","start":531.635,"end":532.115,"sentiment":"neutral","sentiment_score":-0.01438184455037117},{"text":"Yep.","start":532.115,"end":532.615,"sentiment":"neutral","sentiment_score":-0.017068520188331604},{"text":"Yep.","start":532.675,"end":533.155,"sentiment":"neutral","sentiment_score":-0.02302892506122589}],"sentiment":"neutral","sentiment_score":-0.05154747748747468,"num_words":8,"start":525.22003,"end":533.155},{"sentences":[{"text":"No.","start":533.155,"end":533.47504,"sentiment":"neutral","sentiment_score":-0.04849393293261528},{"text":"Perfect.","start":533.47504,"end":533.97504,"sentiment":"positive","sentiment_score":0.746056318283081},{"text":"All good.","start":534.35504,"end":535.175,"sentiment":"positive","sentiment_score":0.7265707850456238},{"text":"And I've got down here that you're still married.","start":535.47504,"end":537.495,"sentiment":"neutral","sentiment_score":0.17414017187224495},{"text":"I've got your wife down, Helen, as your next of kin.","start":537.715,"end":541.23505,"sentiment":"neutral","sentiment_score":0.13912549479441208}],"sentiment":"neutral","sentiment_score":0.21868108104293546,"num_words":24,"start":533.155,"end":541.23505},{"sentences":[{"text":"You're still comfortable with that one?","start":541.23505,"end":543.015,"sentiment":"neutral","sentiment_score":0.13191216687361398},{"text":"Yep.","start":544.02,"end":544.52,"sentiment":"neutral","sentiment_score":0.1676642745733261},{"text":"Fantastic.","start":544.66,"end":545.16,"sentiment":"positive","sentiment_score":0.5968983173370361},{"text":"I'm also just double checking your beneficiaries there.","start":545.54,"end":547.62,"sentiment":"neutral","sentiment_score":0.2282804623246193},{"text":"So on your super, we do have it noted here that Helen is your beneficiary.","start":547.62,"end":551.08,"sentiment":"neutral","sentiment_score":0.1385297973950704}],"sentiment":"neutral","sentiment_score":0.17613633073145343,"num_words":31,"start":541.23505,"end":551.08},{"sentences":[{"text":"So in the event of passing away, your super is paid out to her at a 100%.","start":551.22,"end":555.48,"sentiment":"neutral","sentiment_score":0.1514150355668629},{"text":"The good thing about this beneficiary is it's finding non lapsing.","start":556.065,"end":558.78503,"sentiment":"neutral","sentiment_score":0.3239244060082869},{"text":"So that meant you only filled out one form.","start":558.78503,"end":560.625,"sentiment":"neutral","sentiment_score":0.2411985927157932},{"text":"It doesn't have to be done again until you wanna revoke or alter that beneficiary nomination.","start":560.625,"end":565.66504,"sentiment":"neutral","sentiment_score":0.14634779328480363},{"text":"But you're still comfortable with the way that's noted?","start":565.66504,"end":568.005,"sentiment":"neutral","sentiment_score":0.11904794060521656}],"sentiment":"neutral","sentiment_score":0.18904850908344792,"num_words":62,"start":551.22,"end":568.005},{"sentences":[{"text":"Yeah.","start":569.32,"end":569.72003,"sentiment":"neutral","sentiment_score":0.24917596578598025},{"text":"Fantastic.","start":569.72003,"end":570.22003,"sentiment":"positive","sentiment_score":0.6039409637451172},{"text":"Beautiful.","start":570.68,"end":571.18,"sentiment":"positive","sentiment_score":0.6130021810531616},{"text":"Now the other thing to kinda go through is your insurances.","start":572.2,"end":574.7,"sentiment":"neutral","sentiment_score":0.05537636036222631},{"text":"So out of your super, you are paying for your insurance cover with Clearview.","start":574.84,"end":577.96,"sentiment":"neutral","sentiment_score":0.025159240700304508}],"sentiment":"neutral","sentiment_score":0.0866960158704647,"num_words":28,"start":569.32,"end":577.96},{"sentences":[{"text":"You've got your life, your TPD, your income protection there.","start":577.96,"end":581.02,"sentiment":"neutral","sentiment_score":0.03477999288588762},{"text":"With your life cover, just to double check, do you understand how those insurances work?","start":581.935,"end":586.175,"sentiment":"neutral","sentiment_score":0.009662859452267488},{"text":"Do you did you have any questions about the cut the cover you have?","start":586.175,"end":589.375,"sentiment":"neutral","sentiment_score":-0.010665834681796176},{"text":"Or no.","start":589.375,"end":592.255,"sentiment":"neutral","sentiment_score":-0.04737039841711521},{"text":"That's okay.","start":592.255,"end":593.15497,"sentiment":"neutral","sentiment_score":0.03266800567507744}],"sentiment":"neutral","sentiment_score":0.0073027058049689895,"num_words":43,"start":577.96,"end":593.15497},{"sentences":[{"text":"Yeah.","start":593.375,"end":593.875,"sentiment":"neutral","sentiment_score":0.08620205521583557},{"text":"Beautiful.","start":594.68,"end":595.18,"sentiment":"neutral","sentiment_score":0.32584309577941895},{"text":"Beautiful.","start":595.24,"end":595.74,"sentiment":"positive","sentiment_score":0.40886566042900085},{"text":"Yeah.","start":596.04,"end":596.54,"sentiment":"neutral","sentiment_score":0.11128361523151398},{"text":"So with your cover at the moment, as I mentioned, your balance inside super is currently 190 sorry.","start":596.92,"end":603.4,"sentiment":"neutral","sentiment_score":0.08110770065751341}],"sentiment":"neutral","sentiment_score":0.10873331993140957,"num_words":22,"start":593.375,"end":603.4},{"sentences":[{"text":"$195.01 $1.03 as of today's date.","start":603.4,"end":606.04,"sentiment":"neutral","sentiment_score":0.07476979556183021},{"text":"It's gone up a bit since I I got the report up, which is fantastic.","start":606.04,"end":609.42,"sentiment":"positive","sentiment_score":0.3962357600529989},{"text":"With your insurance, is your life cover there?","start":611.085,"end":613.405,"sentiment":"neutral","sentiment_score":0.03762126003857702},{"text":"You've got a benefit amount of $574,005.62.","start":613.405,"end":618.705,"sentiment":"neutral","sentiment_score":0.03917511073606355},{"text":"You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there.","start":619.405,"end":627.14,"sentiment":"neutral","sentiment_score":0.02634118468267843}],"sentiment":"neutral","sentiment_score":0.1148568961687167,"num_words":68,"start":603.4,"end":627.14},{"sentences":[{"text":"So does that benefit amount cover what you are wanting to cover with regard to your goals?","start":627.14,"end":632.58,"sentiment":"neutral","sentiment_score":0.025652070803677336},{"text":"Did you wanna look at reviewing that benefit amount at all?","start":632.58,"end":635.48,"sentiment":"neutral","sentiment_score":0.007373053580522537},{"text":"Yes.","start":638.59503,"end":638.995,"sentiment":"neutral","sentiment_score":0.1342112123966217},{"text":"That's okay.","start":638.995,"end":639.815,"sentiment":"neutral","sentiment_score":0.24621960520744324},{"text":"Perfect.","start":639.875,"end":640.375,"sentiment":"neutral","sentiment_score":0.0895366445183754}],"sentiment":"neutral","sentiment_score":0.03854299563681707,"num_words":32,"start":627.14,"end":640.375},{"sentences":[{"text":"So just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted.","start":640.835,"end":655.25,"sentiment":"neutral","sentiment_score":0.025710774089574166},{"text":"Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover?","start":655.25,"end":660.07,"sentiment":"neutral","sentiment_score":-0.00913559961254182},{"text":"Yep.","start":662.45,"end":662.95,"sentiment":"neutral","sentiment_score":-0.013327250257134438},{"text":"Yep.","start":664.13,"end":664.53,"sentiment":"neutral","sentiment_score":0.10600632429122923},{"text":"That's okay.","start":664.53,"end":665.265,"sentiment":"neutral","sentiment_score":0.22346217185258865}],"sentiment":"neutral","sentiment_score":0.02071479773659208,"num_words":73,"start":640.835,"end":665.265},{"sentences":[{"text":"And was I'm sort of having a look back at your last sort of goals there, but was your goal with your life cover just to kind of have it paid out to Helen and have her be able to pay off the mortgage and live debt free?","start":665.265,"end":674.385,"sentiment":"neutral","sentiment_score":0.07391756167635322},{"text":"Or is there anything specific you wanted to have paid off with your life cover?","start":674.385,"end":678.245,"sentiment":"neutral","sentiment_score":0.008030509327848752},{"text":"Nice.","start":685.68,"end":686.18,"sentiment":"positive","sentiment_score":0.5638678073883057},{"text":"All good.","start":686.95996,"end":687.77997,"sentiment":"positive","sentiment_score":0.5721697211265564},{"text":"With the TPD, now total permanent disability, you are still living.","start":688.48,"end":692.135,"sentiment":"neutral","sentiment_score":0.08026449551636522}],"sentiment":"neutral","sentiment_score":0.0812937311779756,"num_words":77,"start":665.265,"end":692.135},{"sentences":[{"text":"So a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house.","start":692.755,"end":704.695,"sentiment":"neutral","sentiment_score":0.03853221198445872},{"text":"You have the same level of TPD in the event of never being able to go back to work again.","start":705.29,"end":710.75,"sentiment":"neutral","sentiment_score":0.1472904272377491},{"text":"And under a permanent capacity, we can also get access to your suit in there as well.","start":710.97,"end":715.38995,"sentiment":"neutral","sentiment_score":0.14886937071295345},{"text":"You do so it's about the same level of cover.","start":716.08997,"end":718.955,"sentiment":"neutral","sentiment_score":0.18338807672262192},{"text":"That would realistically still pay out the mortgage completely and leave a little bit of additional benefit there.","start":718.955,"end":724.575,"sentiment":"neutral","sentiment_score":0.2801827159192827}],"sentiment":"neutral","sentiment_score":0.1341551607384265,"num_words":103,"start":692.755,"end":724.575},{"sentences":[{"text":"However, I do like to make sure everyone is aware.","start":725.275,"end":727.675,"sentiment":"neutral","sentiment_score":-0.026859623566269874},{"text":"If you're under 60 and you claim on TBD, it is unfortunately taxed at a certain rate as well.","start":727.675,"end":733.75,"sentiment":"neutral","sentiment_score":-0.10584379428703534},{"text":"So there are some taxes that may come into effect there.","start":733.75,"end":736.97003,"sentiment":"neutral","sentiment_score":-0.10296041112054478},{"text":"But are you happy with the level of cover?","start":737.03,"end":739.27,"sentiment":"neutral","sentiment_score":0.015287961396906111},{"text":"Did you wanna reevaluate that at all?","start":739.27,"end":741.69,"sentiment":"neutral","sentiment_score":-0.040133041994912286}],"sentiment":"neutral","sentiment_score":-0.06349165162204631,"num_words":56,"start":725.275,"end":741.69},{"sentences":[{"text":"Yep.","start":746.325,"end":746.825,"sentiment":"neutral","sentiment_score":-0.05878474563360214},{"text":"Yep.","start":748.645,"end":749.04504,"sentiment":"neutral","sentiment_score":0.08899946510791779},{"text":"That's okay.","start":749.04504,"end":749.68506,"sentiment":"neutral","sentiment_score":0.17907487601041794},{"text":"If it ever comes down and you wanna look or talk about it, let me know.","start":749.68506,"end":753.065,"sentiment":"neutral","sentiment_score":0.04841447278158739},{"text":"Obviously, as you get older, these insurances do get more expensive.","start":753.525,"end":757.04,"sentiment":"neutral","sentiment_score":-0.23166347362778403}],"sentiment":"neutral","sentiment_score":-0.044687166900163694,"num_words":31,"start":746.325,"end":757.04},{"sentences":[{"text":"This year, the premium that came out, I actually have it here.","start":757.04,"end":760.66,"sentiment":"neutral","sentiment_score":-0.06718542147427797},{"text":"So you paid $4,694.86 from your super fund for that.","start":761.83997,"end":768.0,"sentiment":"neutral","sentiment_score":-0.07849475294351578},{"text":"So they will get more expensive.","start":768.0,"end":770.16,"sentiment":"neutral","sentiment_score":-0.2178939258058866},{"text":"So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you.","start":770.16,"end":781.935,"sentiment":"neutral","sentiment_score":-0.08090910473122047},{"text":"Does that sound okay?","start":781.935,"end":783.075,"sentiment":"neutral","sentiment_score":0.05174388363957405}],"sentiment":"neutral","sentiment_score":-0.08212897682651168,"num_words":84,"start":757.04,"end":783.075},{"sentences":[{"text":"Yeah.","start":784.91003,"end":785.31,"sentiment":"positive","sentiment_score":0.4343851804733277},{"text":"Fantastic.","start":785.31,"end":785.81,"sentiment":"positive","sentiment_score":0.6545116901397705},{"text":"And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury.","start":787.07,"end":793.65,"sentiment":"neutral","sentiment_score":0.13564841721493465},{"text":"With my lovely note here from Michelle, she made mention your income's about 75,000 at the moment.","start":794.27,"end":799.245,"sentiment":"neutral","sentiment_score":0.12977999996613054},{"text":"Is that right?","start":799.245,"end":800.065,"sentiment":"neutral","sentiment_score":0.08688221623500188}],"sentiment":"neutral","sentiment_score":0.14755546596522132,"num_words":48,"start":784.91003,"end":800.065},{"sentences":[{"text":"Okay.","start":804.285,"end":804.785,"sentiment":"neutral","sentiment_score":0.088997483253479},{"text":"Yeah.","start":804.925,"end":805.425,"sentiment":"neutral","sentiment_score":0.173793762922287},{"text":"Beautiful.","start":806.045,"end":806.545,"sentiment":"positive","sentiment_score":0.36737310886383057},{"text":"Now with yeah.","start":807.325,"end":809.165,"sentiment":"neutral","sentiment_score":0.13113145778576532},{"text":"That's good.","start":809.165,"end":809.64496,"sentiment":"positive","sentiment_score":0.47545765340328217}],"sentiment":"neutral","sentiment_score":0.2468092544004321,"num_words":8,"start":804.285,"end":809.64496},{"sentences":[{"text":"It's always good to get an increase in pay.","start":809.64496,"end":811.485,"sentiment":"positive","sentiment_score":0.36012814773453605},{"text":"You work hard.","start":811.485,"end":812.20496,"sentiment":"neutral","sentiment_score":0.245838592449824},{"text":"You deserve it.","start":812.20496,"end":813.26495,"sentiment":"neutral","sentiment_score":0.2781696170568466},{"text":"So, realistically, having a look at that, with income protection, you can be covered for up to 70% of your income if you're off work due to illness or injury.","start":816.9,"end":824.2,"sentiment":"neutral","sentiment_score":0.033302215331544475},{"text":"Looking at your income at the moment, your current level of income protection, you are slightly underinsured there.","start":824.58,"end":830.615,"sentiment":"neutral","sentiment_score":-0.05547558707702491}],"sentiment":"neutral","sentiment_score":0.076407680169694,"num_words":63,"start":809.64496,"end":830.615},{"sentences":[{"text":"Not by a huge amount.","start":831.07495,"end":832.45496,"sentiment":"neutral","sentiment_score":-0.1412188172340393},{"text":"Yes.","start":832.675,"end":833.07495,"sentiment":"neutral","sentiment_score":0.016611455008387566},{"text":"So your benefit amount pretax because income tax is is deducted from the monthly benefit as well if you're on a claim.","start":833.07495,"end":841.495,"sentiment":"neutral","sentiment_score":0.023892942477356304},{"text":"The benefit amount that you're covered for is 3,350.","start":842.69,"end":846.69,"sentiment":"neutral","sentiment_score":0.017380149931543402},{"text":"Looking at 70% of your current income would mean you would need to be covered for 4,375.","start":846.69,"end":853.51,"sentiment":"neutral","sentiment_score":-0.0034417342394590378}],"sentiment":"neutral","sentiment_score":-0.0012208523953126536,"num_words":54,"start":831.07495,"end":853.51},{"sentences":[{"text":"In saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for.","start":853.81,"end":859.985,"sentiment":"neutral","sentiment_score":-0.007026945924008032},{"text":"Does Helen work as well?","start":860.765,"end":862.125,"sentiment":"neutral","sentiment_score":0.023527263849973678},{"text":"Does she bring in an income to the family, or are you just a sole breadwinner?","start":862.125,"end":865.585,"sentiment":"neutral","sentiment_score":-0.016221114026848227},{"text":"Yep.","start":866.765,"end":867.265,"sentiment":"neutral","sentiment_score":0.27337920665740967},{"text":"Okay.","start":869.16504,"end":869.645,"sentiment":"positive","sentiment_score":0.3810107111930847}],"sentiment":"neutral","sentiment_score":0.008649988236991406,"num_words":43,"start":853.81,"end":869.645},{"sentences":[{"text":"Beautiful.","start":869.645,"end":870.145,"sentiment":"positive","sentiment_score":0.5541908144950867},{"text":"So if you were not able to get a work and say you were drawing the monthly benefit down, does that benefit plus, say, her income feel like it would be enough to cover the expenses?","start":870.205,"end":880.12,"sentiment":"neutral","sentiment_score":-0.00770817453869515},{"text":"I mean, just give you a basic level of living, or do you think you would need to increase it?","start":880.58,"end":885.48,"sentiment":"neutral","sentiment_score":-0.040047178696841004},{"text":"Yep.","start":890.145,"end":890.385,"sentiment":"neutral","sentiment_score":0.05979309603571892},{"text":"That's okay.","start":890.385,"end":891.10504,"sentiment":"neutral","sentiment_score":0.17063341289758682}],"sentiment":"neutral","sentiment_score":-0.00205311868339777,"num_words":60,"start":869.645,"end":891.10504},{"sentences":[{"text":"Not a problem at all.","start":891.10504,"end":892.305,"sentiment":"neutral","sentiment_score":0.2978776812553406},{"text":"Excellent.","start":892.305,"end":892.805,"sentiment":"positive","sentiment_score":0.573521614074707},{"text":"And with this one here, you've got a ninety day waiting period, so you just have to be off work for ninety days if anything happens.","start":893.42505,"end":898.65,"sentiment":"neutral","sentiment_score":0.1278271060436964},{"text":"What I would suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call.","start":898.89,"end":908.57,"sentiment":"neutral","sentiment_score":-0.018009499915772016},{"text":"Let us know.","start":908.57,"end":909.39,"sentiment":"neutral","sentiment_score":0.0611044280230999}],"sentiment":"neutral","sentiment_score":0.05949125706683844,"num_words":80,"start":891.10504,"end":909.39},{"sentences":[{"text":"Was it when we know the first date that you've stopped working and the reason for, we can always contact the insurer and get the claim started.","start":909.45,"end":916.865,"sentiment":"neutral","sentiment_score":0.03387471267746554},{"text":"And that way, at ninety days, we can get the claims paperwork submitted to start the claim for you.","start":917.245,"end":921.885,"sentiment":"neutral","sentiment_score":0.19113674210874657},{"text":"That way, it alleviates a large backlog and gets the claim processed as quickly as possible.","start":921.885,"end":926.865,"sentiment":"neutral","sentiment_score":0.17632369603961706},{"text":"And then with a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless.","start":927.44,"end":934.74,"sentiment":"neutral","sentiment_score":0.02303275165538634},{"text":"But we would certainly hope you wouldn't be off for that long.","start":934.88,"end":938.02,"sentiment":"neutral","sentiment_score":-0.0398295350993673}],"sentiment":"neutral","sentiment_score":0.0724138605630114,"num_words":105,"start":909.45,"end":938.02},{"sentences":[{"text":"Beautiful.","start":941.615,"end":942.09503,"sentiment":"neutral","sentiment_score":0.21109285950660703},{"text":"Beautiful.","start":942.09503,"end":942.41504,"sentiment":"neutral","sentiment_score":0.2665054500102997},{"text":"So you're comfortable leaving the cover as is for the moment.","start":942.41504,"end":944.815,"sentiment":"neutral","sentiment_score":0.07920368964021857},{"text":"We can just review that down the track with you.","start":944.815,"end":946.575,"sentiment":"neutral","sentiment_score":0.12843902856111528},{"text":"Is that right?","start":946.575,"end":947.47504,"sentiment":"neutral","sentiment_score":0.0942029133439064}],"sentiment":"neutral","sentiment_score":0.1121476123539301,"num_words":26,"start":941.615,"end":947.47504},{"sentences":[{"text":"Yep.","start":948.735,"end":949.135,"sentiment":"neutral","sentiment_score":0.17794308066368103},{"text":"Beautiful.","start":949.135,"end":949.635,"sentiment":"positive","sentiment_score":0.33403730392456055},{"text":"If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know.","start":949.775,"end":955.12,"sentiment":"neutral","sentiment_score":0.11405390620231629},{"text":"More than happy to make time to do so for you.","start":955.12,"end":957.51996,"sentiment":"positive","sentiment_score":0.44717526164921845},{"text":"Okay?","start":957.51996,"end":958.01996,"sentiment":"neutral","sentiment_score":0.1208665668964386}],"sentiment":"neutral","sentiment_score":0.2154646790944613,"num_words":39,"start":948.735,"end":958.01996},{"sentences":[{"text":"Yeah.","start":959.12,"end":959.62,"sentiment":"neutral","sentiment_score":0.31698423624038696},{"text":"Beautiful.","start":960.48,"end":960.98,"sentiment":"positive","sentiment_score":0.6343464255332947},{"text":"Now other assets I have noted on your file from last time, you have a caravan.","start":961.27997,"end":965.75995,"sentiment":"neutral","sentiment_score":0.08863113052211702},{"text":"Do you still happen to have that one?","start":965.75995,"end":967.62,"sentiment":"neutral","sentiment_score":0.030490642180666327},{"text":"It's gone?","start":969.395,"end":970.115,"sentiment":"neutral","sentiment_score":-0.1601461097598076}],"sentiment":"neutral","sentiment_score":0.08189505957333106,"num_words":28,"start":959.12,"end":970.115},{"sentences":[{"text":"All good.","start":970.115,"end":970.995,"sentiment":"neutral","sentiment_score":0.1702789068222046},{"text":"Any plans to get a new one down the track for those retirement years?","start":970.995,"end":974.275,"sentiment":"neutral","sentiment_score":0.002145423287791865},{"text":"Or Yeah.","start":974.275,"end":977.41504,"sentiment":"neutral","sentiment_score":-0.009941153228282928},{"text":"Yes.","start":982.77,"end":983.27,"sentiment":"neutral","sentiment_score":-0.018008746206760406},{"text":"Yeah.","start":983.41003,"end":983.91003,"sentiment":"neutral","sentiment_score":-0.026137076318264008}],"sentiment":"neutral","sentiment_score":0.015328280534595251,"num_words":20,"start":970.115,"end":983.91003},{"sentences":[{"text":"Yeah.","start":986.45,"end":986.95,"sentiment":"neutral","sentiment_score":-0.039248026907444},{"text":"Yeah.","start":989.57,"end":990.07,"sentiment":"neutral","sentiment_score":-0.02797424979507923},{"text":"Yeah.","start":990.45,"end":990.95,"sentiment":"neutral","sentiment_score":-0.031053971499204636},{"text":"When do you, yeah, when you sorta weigh up the cost of registration, servicing, insurances, and things like that, if you're not really enjoying it, it kind of becomes a bit of a liability, doesn't it?","start":991.09,"end":1000.615,"sentiment":"neutral","sentiment_score":-0.13317788438871503},{"text":"No.","start":1003.15497,"end":1003.635,"sentiment":"neutral","sentiment_score":-0.0644172728061676}],"sentiment":"neutral","sentiment_score":-0.12392743397504091,"num_words":40,"start":986.45,"end":1003.635},{"sentences":[{"text":"All good.","start":1003.635,"end":1004.375,"sentiment":"neutral","sentiment_score":-0.004479987546801567},{"text":"I also had here you had I don't believe this is a car.","start":1004.595,"end":1007.61,"sentiment":"neutral","sentiment_score":-0.07866131657591233},{"text":"I think it's two.","start":1007.61,"end":1009.07,"sentiment":"neutral","sentiment_score":-0.04602001328021288},{"text":"How many vehicles do you own?","start":1009.77,"end":1011.29,"sentiment":"neutral","sentiment_score":-0.00762037808696429},{"text":"I'm so sorry.","start":1011.29,"end":1012.19,"sentiment":"neutral","sentiment_score":-0.026922587926189106}],"sentiment":"neutral","sentiment_score":-0.047933113428631,"num_words":28,"start":1003.635,"end":1012.19},{"sentences":[{"text":"Three?","start":1014.57,"end":1015.05,"sentiment":"neutral","sentiment_score":0.0028613517060875893},{"text":"Perfect.","start":1015.05,"end":1015.55,"sentiment":"neutral","sentiment_score":0.09616230428218842},{"text":"What are they?","start":1015.61,"end":1016.25,"sentiment":"neutral","sentiment_score":0.03635026887059212},{"text":"I'll note them down separately for you.","start":1016.25,"end":1018.27,"sentiment":"neutral","sentiment_score":0.03100879942732198},{"text":"Yep.","start":1022.825,"end":1023.325,"sentiment":"neutral","sentiment_score":0.029476789757609367}],"sentiment":"neutral","sentiment_score":0.03497021910376274,"num_words":13,"start":1014.57,"end":1023.325},{"sentences":[{"text":"Perfect.","start":1027.7051,"end":1028.2051,"sentiment":"neutral","sentiment_score":0.08406680822372437},{"text":"Oh, fantastic.","start":1031.16,"end":1033.18,"sentiment":"neutral","sentiment_score":0.2500532418489456},{"text":"And with those vehicles, what sort of rough estimate would you put value wise on them?","start":1033.8,"end":1038.3,"sentiment":"neutral","sentiment_score":0.06070566177368164},{"text":"Yep.","start":1042.2001,"end":1042.6,"sentiment":"neutral","sentiment_score":0.06690508127212524},{"text":"Perfect.","start":1042.6,"end":1043.1,"sentiment":"neutral","sentiment_score":0.13449640572071075}],"sentiment":"neutral","sentiment_score":0.083660255585398,"num_words":21,"start":1027.7051,"end":1043.1},{"sentences":[{"text":"Yep.","start":1046.465,"end":1046.965,"sentiment":"neutral","sentiment_score":0.048693250864744186},{"text":"Yeah.","start":1051.425,"end":1051.925,"sentiment":"neutral","sentiment_score":0.10354726761579514},{"text":"Nice.","start":1051.985,"end":1052.485,"sentiment":"neutral","sentiment_score":0.21850961446762085},{"text":"Nice.","start":1052.625,"end":1053.125,"sentiment":"neutral","sentiment_score":0.16037830710411072},{"text":"And you own all those outright as well?","start":1053.1849,"end":1055.445,"sentiment":"neutral","sentiment_score":0.09167532250285149}],"sentiment":"neutral","sentiment_score":0.1053775850062569,"num_words":12,"start":1046.465,"end":1055.445},{"sentences":[{"text":"Yeah.","start":1056.78,"end":1056.8601,"sentiment":"neutral","sentiment_score":0.1674298644065857},{"text":"Fantastic.","start":1056.8601,"end":1057.3601,"sentiment":"positive","sentiment_score":0.3716026246547699},{"text":"Lovely.","start":1057.9801,"end":1058.4801,"sentiment":"neutral","sentiment_score":0.32052290439605713},{"text":"I also had it noted here.","start":1058.54,"end":1059.5801,"sentiment":"neutral","sentiment_score":0.13096332053343454},{"text":"You have some cash in savings about a thousand dollars with the worth on the house.","start":1059.5801,"end":1063.6001,"sentiment":"neutral","sentiment_score":0.08239754871465266}],"sentiment":"neutral","sentiment_score":0.1185478438436985,"num_words":25,"start":1056.78,"end":1063.6001},{"sentences":[{"text":"I'm assuming a lot of the excess cash goes into that.","start":1063.8201,"end":1067.4401,"sentiment":"neutral","sentiment_score":0.042252860286019066},{"text":"But do you have anything in saving at the moment?","start":1067.8201,"end":1070.16,"sentiment":"neutral","sentiment_score":0.016095429845154285},{"text":"Yep.","start":1073.5651,"end":1073.885,"sentiment":"neutral","sentiment_score":0.024135317653417587},{"text":"Yep.","start":1073.885,"end":1074.3651,"sentiment":"neutral","sentiment_score":0.0899958461523056},{"text":"Beautiful.","start":1074.3651,"end":1074.8651,"sentiment":"positive","sentiment_score":0.7382088899612427}],"sentiment":"neutral","sentiment_score":0.06158649230686327,"num_words":24,"start":1063.8201,"end":1074.8651},{"sentences":[{"text":"Excellent.","start":1075.7251,"end":1076.2251,"sentiment":"positive","sentiment_score":0.7236984968185425},{"text":"And how do you find the expenditure wise?","start":1076.285,"end":1078.125,"sentiment":"neutral","sentiment_score":0.13858238328248262},{"text":"Is everything kind of stay going into the house at the moment, or are you managing to put away much out of your weekly income?","start":1078.125,"end":1083.7451,"sentiment":"neutral","sentiment_score":0.009159114323556422},{"text":"Okay.","start":1088.1599,"end":1088.6599,"sentiment":"neutral","sentiment_score":0.03744841367006302},{"text":"Yeah.","start":1088.88,"end":1089.2799,"sentiment":"neutral","sentiment_score":0.07508907467126846}],"sentiment":"neutral","sentiment_score":0.06038535859746238,"num_words":36,"start":1075.7251,"end":1089.2799},{"sentences":[{"text":"Perfect.","start":1089.2799,"end":1089.6799,"sentiment":"neutral","sentiment_score":0.2521817088127136},{"text":"And is that going on to the mortgage, like, reducing that offset?","start":1089.6799,"end":1092.82,"sentiment":"neutral","sentiment_score":0.027361656694362562},{"text":"Yes.","start":1098.735,"end":1099.235,"sentiment":"neutral","sentiment_score":0.020675156265497208},{"text":"Yep.","start":1100.815,"end":1101.315,"sentiment":"neutral","sentiment_score":0.1595425307750702},{"text":"Perfect.","start":1101.455,"end":1101.955,"sentiment":"positive","sentiment_score":0.5694339871406555}],"sentiment":"neutral","sentiment_score":0.08313582895789295,"num_words":16,"start":1089.2799,"end":1101.955},{"sentences":[{"text":"Lovely.","start":1102.735,"end":1103.235,"sentiment":"positive","sentiment_score":0.6522656679153442},{"text":"Excellent.","start":1103.455,"end":1103.955,"sentiment":"positive","sentiment_score":0.5973191261291504},{"text":"One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super.","start":1105.2949,"end":1114.4,"sentiment":"neutral","sentiment_score":0.2016937993466854},{"text":"Is that something you're still looking at doing, or is that more just down the track once you've done the house renovations?","start":1114.4,"end":1119.06,"sentiment":"neutral","sentiment_score":0.05848169445314191},{"text":"And yep.","start":1119.4401,"end":1123.7151,"sentiment":"neutral","sentiment_score":0.06308254227042198}],"sentiment":"neutral","sentiment_score":0.15559216315991112,"num_words":56,"start":1102.735,"end":1123.7151},{"sentences":[{"text":"Perfect.","start":1126.655,"end":1127.155,"sentiment":"neutral","sentiment_score":0.3105928599834442},{"text":"Yeah.","start":1127.935,"end":1128.435,"sentiment":"neutral","sentiment_score":0.11787554621696472},{"text":"Yep.","start":1129.375,"end":1129.875,"sentiment":"neutral","sentiment_score":0.051634710282087326},{"text":"Fantastic.","start":1131.375,"end":1131.875,"sentiment":"positive","sentiment_score":0.40676671266555786},{"text":"So twelve months to get the renovations done.","start":1132.415,"end":1134.5751,"sentiment":"neutral","sentiment_score":0.11723203212022781}],"sentiment":"neutral","sentiment_score":0.15206050717582306,"num_words":12,"start":1126.655,"end":1134.5751},{"sentences":[{"text":"And whereabouts are you up to?","start":1134.5751,"end":1136.115,"sentiment":"neutral","sentiment_score":0.024974838520089786},{"text":"Yeah.","start":1143.29,"end":1143.45,"sentiment":"neutral","sentiment_score":0.09651631116867064},{"text":"Fantastic.","start":1143.45,"end":1143.95,"sentiment":"neutral","sentiment_score":0.1998814046382904},{"text":"It's a big job, isn't it?","start":1144.41,"end":1146.11,"sentiment":"neutral","sentiment_score":0.035842962097376585},{"text":"Yep.","start":1152.505,"end":1152.825,"sentiment":"neutral","sentiment_score":0.02417956106364727}],"sentiment":"neutral","sentiment_score":0.0456989387050271,"num_words":15,"start":1134.5751,"end":1152.825},{"sentences":[{"text":"Yep.","start":1152.825,"end":1153.225,"sentiment":"neutral","sentiment_score":0.014547199010849},{"text":"Are you doing the bathroom yourself, or are you getting someone in to do it?","start":1153.225,"end":1157.085,"sentiment":"neutral","sentiment_score":0.008809775610764821},{"text":"Yep.","start":1160.76,"end":1161.26,"sentiment":"neutral","sentiment_score":0.01587998867034912},{"text":"Yep.","start":1164.4401,"end":1164.9401,"sentiment":"neutral","sentiment_score":0.03346983343362808},{"text":"Oh, fantastic.","start":1169.64,"end":1170.54,"sentiment":"neutral","sentiment_score":0.30726470053195953}],"sentiment":"neutral","sentiment_score":0.04052865281701088,"num_words":20,"start":1152.825,"end":1170.54},{"sentences":[{"text":"That's excellent.","start":1170.84,"end":1171.56,"sentiment":"positive","sentiment_score":0.44160138070583344},{"text":"It's definitely on my list of things to do in my bathroom, but I'm gonna have to get someone else in to do it.","start":1171.56,"end":1176.2001,"sentiment":"neutral","sentiment_score":0.14940518451233706},{"text":"My my bathroom is definitely a lovely pink nineteen sixties color.","start":1176.2001,"end":1180.415,"sentiment":"neutral","sentiment_score":0.2947960672053424},{"text":"It definitely needs to be completely pulled apart, and I'm a bit scared of what they're gonna find when they start pulling all that stuff apart.","start":1180.415,"end":1186.995,"sentiment":"negative","sentiment_score":-0.3384692445397377},{"text":"It is.","start":1190.15,"end":1190.89,"sentiment":"neutral","sentiment_score":-0.09504039958119392}],"sentiment":"neutral","sentiment_score":-0.01967072658813917,"num_words":65,"start":1170.84,"end":1190.89},{"sentences":[{"text":"It is.","start":1192.3099,"end":1193.0499,"sentiment":"neutral","sentiment_score":-0.09534303843975067},{"text":"It is.","start":1193.11,"end":1193.59,"sentiment":"neutral","sentiment_score":-0.08978398889303207},{"text":"But, no, it'll be okay eventually.","start":1193.59,"end":1195.59,"sentiment":"neutral","sentiment_score":-0.22322537377476692},{"text":"We'll just get someone to come in and give me the bad news in one day and then drink a whole bottle of wine maybe afterwards.","start":1195.59,"end":1200.65,"sentiment":"neutral","sentiment_score":-0.18687322735786438},{"text":"Oh, well, good luck.","start":1203.845,"end":1204.645,"sentiment":"positive","sentiment_score":0.5253738388419151}],"sentiment":"neutral","sentiment_score":-0.11167037133127451,"num_words":40,"start":1192.3099,"end":1204.645},{"sentences":[{"text":"I hope it all goes well with getting that done in twelve months.","start":1204.645,"end":1207.0449,"sentiment":"positive","sentiment_score":0.5498369725850912},{"text":"It'll be all be nice when it's all done for you.","start":1207.0449,"end":1209.465,"sentiment":"positive","sentiment_score":0.528149122541601},{"text":"Yeah.","start":1211.205,"end":1211.705,"sentiment":"neutral","sentiment_score":0.22787092626094815},{"text":"Fantastic.","start":1211.765,"end":1212.265,"sentiment":"positive","sentiment_score":0.5396944880485535},{"text":"I will just go back and double check the beneficiaries on your insurance policy as well.","start":1213.365,"end":1217.365,"sentiment":"neutral","sentiment_score":0.2530504260212183}],"sentiment":"positive","sentiment_score":0.4231879338622093,"num_words":42,"start":1204.645,"end":1217.365},{"sentences":[{"text":"I can't quite see at the moment that they are up to date as the support is a little bit not working for me.","start":1217.365,"end":1222.9569,"sentiment":"neutral","sentiment_score":-0.039439364336431026},{"text":"So I'll go back and double check those.","start":1222.9569,"end":1224.8223,"sentiment":"neutral","sentiment_score":0.07358642900362611},{"text":"If there's any need to update them, I'll make sure we will.","start":1224.8223,"end":1227.6205,"sentiment":"neutral","sentiment_score":0.08486038974175851},{"text":"I'll just make sure we got Helen down there for you on those.","start":1227.6205,"end":1230.6519,"sentiment":"neutral","sentiment_score":0.07563434763310048},{"text":"Okay?","start":1230.6519,"end":1230.885,"sentiment":"neutral","sentiment_score":0.04320149123668671}],"sentiment":"neutral","sentiment_score":0.02908481681590964,"num_words":58,"start":1217.365,"end":1230.885},{"sentences":[{"text":"Excellent.","start":1231.4451,"end":1231.9451,"sentiment":"positive","sentiment_score":0.3377341628074646},{"text":"The other thing with the estate planning is have you guys got a will to have attorney?","start":1232.325,"end":1235.925,"sentiment":"neutral","sentiment_score":0.07949985388447256},{"text":"Have you just sort of spoken about doing those up?","start":1235.925,"end":1238.425,"sentiment":"neutral","sentiment_score":0.03407691270112991},{"text":"Yep.","start":1241.765,"end":1242.265,"sentiment":"neutral","sentiment_score":0.04707109183073044},{"text":"Okay.","start":1244.1,"end":1244.6,"sentiment":"neutral","sentiment_score":0.08493752777576447}],"sentiment":"neutral","sentiment_score":0.07206698084870974,"num_words":30,"start":1231.4451,"end":1244.6},{"sentences":[{"text":"Yep.","start":1244.66,"end":1244.98,"sentiment":"neutral","sentiment_score":0.11268147081136703},{"text":"Perfect.","start":1244.98,"end":1245.48,"sentiment":"neutral","sentiment_score":0.2707441449165344},{"text":"So in the works.","start":1245.54,"end":1246.6,"sentiment":"neutral","sentiment_score":0.11480134725570679},{"text":"Yeah.","start":1247.78,"end":1248.28,"sentiment":"neutral","sentiment_score":0.1153683066368103},{"text":"Yep.","start":1248.42,"end":1248.8201,"sentiment":"neutral","sentiment_score":0.17891240119934082}],"sentiment":"neutral","sentiment_score":0.14211396407335997,"num_words":8,"start":1244.66,"end":1248.8201},{"sentences":[{"text":"Fantastic.","start":1248.8201,"end":1249.3201,"sentiment":"positive","sentiment_score":0.4160378277301788},{"text":"And you've got a solicitor that you are trusting to kinda do all that up for you at the moment?","start":1249.4601,"end":1254.28,"sentiment":"neutral","sentiment_score":0.19362832754850387},{"text":"Yep.","start":1256.215,"end":1256.715,"sentiment":"neutral","sentiment_score":0.1101273149251938},{"text":"Perfect.","start":1257.015,"end":1257.515,"sentiment":"neutral","sentiment_score":0.3084110617637634},{"text":"Excellent.","start":1258.375,"end":1258.875,"sentiment":"neutral","sentiment_score":0.2903372049331665}],"sentiment":"neutral","sentiment_score":0.20822833168009916,"num_words":24,"start":1248.8201,"end":1258.875},{"sentences":[{"text":"One of those things is we kind of tend to put off, but it's really important to make sure everything's kinda covered in the event something was to happen.","start":1259.095,"end":1265.755,"sentiment":"neutral","sentiment_score":0.07535610103915477},{"text":"Yeah.","start":1267.83,"end":1268.3099,"sentiment":"neutral","sentiment_score":0.1945470869541168},{"text":"Fantastic.","start":1268.3099,"end":1268.8099,"sentiment":"neutral","sentiment_score":0.08507237583398819},{"text":"And just going through, I think I've got mostly everything here for you.","start":1270.23,"end":1273.51,"sentiment":"neutral","sentiment_score":0.16644974167530352},{"text":"So what I can do now, if you like, is I'll go back.","start":1273.51,"end":1275.6699,"sentiment":"neutral","sentiment_score":0.13964693592144892}],"sentiment":"neutral","sentiment_score":0.11305619652072589,"num_words":57,"start":1259.095,"end":1275.6699},{"sentences":[{"text":"I'll have a bit of a review of your portfolio to see how you invested.","start":1275.6699,"end":1279.69,"sentiment":"neutral","sentiment_score":0.10879444604118665},{"text":"I'll double check your asset allocation is all correct there.","start":1280.15,"end":1283.0499,"sentiment":"neutral","sentiment_score":0.11105346083641052},{"text":"Just on the asset allocation, having a look at things, now you are invested in a growth portfolio.","start":1283.6151,"end":1289.2351,"sentiment":"neutral","sentiment_score":0.11145292553636763},{"text":"So that generally sees about 80% of your super investing growth assets.","start":1290.495,"end":1294.895,"sentiment":"neutral","sentiment_score":0.12322720078130563},{"text":"I think things like straight in shares, international shares, listed property, and also commodities like gold and silver there.","start":1294.895,"end":1301.27,"sentiment":"neutral","sentiment_score":0.09169417227569379}],"sentiment":"neutral","sentiment_score":0.10769621136824827,"num_words":74,"start":1275.6699,"end":1301.27},{"sentences":[{"text":"Realistically, that's where we tend to see you for your agent stage with you still having over ten years before accessing super there.","start":1302.77,"end":1311.09,"sentiment":"neutral","sentiment_score":0.08641211267398752},{"text":"You can still be taking on a bit more risk in the market and being in that growth environment to obtain greater growth long term, but it does open you up to short term volatility.","start":1311.09,"end":1320.0449,"sentiment":"neutral","sentiment_score":-0.020947504895074028},{"text":"So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well.","start":1320.1849,"end":1327.05,"sentiment":"neutral","sentiment_score":0.04886961014320453},{"text":"In that kind of growth environment, you still see about 20% in low risk defensive investments, the things like cash, bonds, and fixed interest that you have more of those growth assets to try and get that greater potential returns.","start":1328.31,"end":1339.61,"sentiment":"neutral","sentiment_score":0.304917273670435},{"text":"With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis.","start":1340.365,"end":1345.325,"sentiment":"neutral","sentiment_score":0.1434155483212736}],"sentiment":"neutral","sentiment_score":0.12289540985865252,"num_words":140,"start":1302.77,"end":1345.325},{"sentences":[{"text":"That's what you're sort of aiming for with this portfolio.","start":1345.325,"end":1347.6649,"sentiment":"neutral","sentiment_score":0.23605564683675767},{"text":"So anything over that 9% is essentially over performance.","start":1348.0449,"end":1351.265,"sentiment":"neutral","sentiment_score":-0.0025295548968844945},{"text":"Your fund is doing really well for the year.","start":1351.325,"end":1353.48,"sentiment":"neutral","sentiment_score":0.3265094608068466},{"text":"Anything under seven is generally under performance.","start":1353.64,"end":1356.22,"sentiment":"neutral","sentiment_score":-0.15688977177653993},{"text":"And we do know with the ups and downs, you do feel the negative returns.","start":1357.48,"end":1361.32,"sentiment":"negative","sentiment_score":-0.4219061017036438}],"sentiment":"neutral","sentiment_score":-0.04300888612866402,"num_words":50,"start":1345.325,"end":1361.32},{"sentences":[{"text":"We do see them every couple of years.","start":1361.32,"end":1363.08,"sentiment":"negative","sentiment_score":-0.3565305061638355},{"text":"It is expected in normal, and we can a negative return about one in every sort of five years at the moment.","start":1363.08,"end":1370.125,"sentiment":"negative","sentiment_score":-0.4530553722923452},{"text":"With where you are age and stage, you're fine to be in that sort of growth environment a little bit longer.","start":1370.1849,"end":1375.065,"sentiment":"neutral","sentiment_score":0.08005913630837486},{"text":"Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things?","start":1375.065,"end":1382.6599,"sentiment":"neutral","sentiment_score":-0.005225426384380886},{"text":"Yeah.","start":1391.6,"end":1391.84,"sentiment":"neutral","sentiment_score":-0.01946845091879368}],"sentiment":"neutral","sentiment_score":-0.14130000958684832,"num_words":80,"start":1361.32,"end":1391.84},{"sentences":[{"text":"You are.","start":1391.84,"end":1392.24,"sentiment":"neutral","sentiment_score":0.0031647253781557083},{"text":"So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance.","start":1392.24,"end":1398.5851,"sentiment":"neutral","sentiment_score":0.038736825631487934},{"text":"So you're kind of in that middle range there.","start":1398.5851,"end":1401.005,"sentiment":"neutral","sentiment_score":0.003645117705066999},{"text":"Growth environment through someone who has at least six years before they're accessing their super, and that's because you do do feel those ups and downs in the market in the short term.","start":1402.105,"end":1410.8251,"sentiment":"neutral","sentiment_score":-0.08755419730688586},{"text":"So we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that.","start":1410.8251,"end":1416.77,"sentiment":"neutral","sentiment_score":-0.21367022782564163}],"sentiment":"neutral","sentiment_score":-0.08198261509339015,"num_words":90,"start":1391.84,"end":1416.77},{"sentences":[{"text":"We wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage of all those downtimes, and get that good growth as the market recovers before you're accessing your sofa.","start":1416.77,"end":1428.5651,"sentiment":"neutral","sentiment_score":-0.008873158575672852},{"text":"Yep.","start":1434.2251,"end":1434.7251,"sentiment":"neutral","sentiment_score":-0.0018281005322933197},{"text":"That's Yeah.","start":1435.5851,"end":1436.865,"sentiment":"neutral","sentiment_score":0.07745621353387833},{"text":"That's absolutely fine.","start":1436.865,"end":1438.145,"sentiment":"neutral","sentiment_score":0.26960934201876324},{"text":"If you feel you are uncomfortable or nervous at any point, let me know.","start":1438.145,"end":1441.685,"sentiment":"neutral","sentiment_score":-0.240936673113278}],"sentiment":"neutral","sentiment_score":-0.04738588098051219,"num_words":58,"start":1416.77,"end":1441.685},{"sentences":[{"text":"You're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes.","start":1442.68,"end":1448.52,"sentiment":"neutral","sentiment_score":0.13557788410357066},{"text":"So you can ask for me.","start":1448.52,"end":1449.8,"sentiment":"neutral","sentiment_score":0.19225764274597168},{"text":"I'll book you in at any point in time.","start":1449.8,"end":1451.74,"sentiment":"neutral","sentiment_score":0.27178869810369277},{"text":"You do pay an ongoing service fee for having us here as well, so you mentally use me to your advantage.","start":1451.8,"end":1456.38,"sentiment":"neutral","sentiment_score":0.29226398397059666},{"text":"If you're feeling nervous or concerned or just wanna chat about how things are going or an updated balance or, you know, have some questions on anything, feel free to give me a call.","start":1457.0549,"end":1466.1749,"sentiment":"neutral","sentiment_score":0.1291711251525318}],"sentiment":"neutral","sentiment_score":0.18291006951915975,"num_words":98,"start":1442.68,"end":1466.1749},{"sentences":[{"text":"I'll book in a time that suits you to make sure we go through these sorts of things.","start":1466.1749,"end":1470.0,"sentiment":"neutral","sentiment_score":0.241153038210339},{"text":"And down the track, we wanna do more catch ups with you as well.","start":1470.96,"end":1474.0,"sentiment":"neutral","sentiment_score":0.2095187439450196},{"text":"Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment?","start":1474.0,"end":1480.8,"sentiment":"neutral","sentiment_score":0.0218067167326808},{"text":"What would you like to see?","start":1480.8,"end":1482.26,"sentiment":"neutral","sentiment_score":0.003978172899223864},{"text":"Six months?","start":1485.065,"end":1485.965,"sentiment":"neutral","sentiment_score":-0.003263805527240038}],"sentiment":"neutral","sentiment_score":0.1135080004476809,"num_words":70,"start":1466.1749,"end":1485.965},{"sentences":[{"text":"Yep.","start":1487.065,"end":1487.565,"sentiment":"neutral","sentiment_score":0.0993061065673828},{"text":"Absolutely.","start":1489.465,"end":1489.965,"sentiment":"positive","sentiment_score":0.4470694065093994},{"text":"Not a problem at all.","start":1490.985,"end":1492.025,"sentiment":"positive","sentiment_score":0.43199868202209474},{"text":"I'll pop that in the calendar there so my admin team member, Michelle, will give you a call and book in a time to, you know, have that catch up in about six months' time.","start":1492.025,"end":1500.05,"sentiment":"neutral","sentiment_score":0.2821671886103494},{"text":"And in the meantime, I'll go back and review the portfolio and just update the advice to make sure we're on track.","start":1500.05,"end":1505.3301,"sentiment":"neutral","sentiment_score":0.2987613996321505}],"sentiment":"neutral","sentiment_score":0.2992964268196374,"num_words":64,"start":1487.065,"end":1505.3301},{"sentences":[{"text":"I'll look at your goals because you are just over that ten year time horizon.","start":1505.3301,"end":1508.9501,"sentiment":"neutral","sentiment_score":0.2830328772465388},{"text":"You're, you know, in your fifties now.","start":1509.01,"end":1510.9501,"sentiment":"neutral","sentiment_score":0.18636693486145564},{"text":"I'll take into account the long term effect and what we're sort of tracking for and how this might look projected towards retirement, just to give you a bit of an idea on what that sort of looks like, and then we can kind of go from there and keep sort of tracking and looking at what what we're moving towards as we get there.","start":1511.075,"end":1527.12,"sentiment":"neutral","sentiment_score":0.18635281003438509},{"text":"Does that sound okay with you?","start":1527.12,"end":1528.66,"sentiment":"neutral","sentiment_score":0.13415575151642165},{"text":"Yeah.","start":1530.24,"end":1530.72,"sentiment":"positive","sentiment_score":0.5695956349372864}],"sentiment":"neutral","sentiment_score":0.20252685637233106,"num_words":94,"start":1505.3301,"end":1530.72},{"sentences":[{"text":"Beautiful.","start":1530.72,"end":1531.22,"sentiment":"positive","sentiment_score":0.673035740852356},{"text":"As I said, getting older is not always a bad thing.","start":1531.36,"end":1533.52,"sentiment":"neutral","sentiment_score":0.1455406997014176},{"text":"And then once you kinda hit that 60 to 65 mark, there's some other really cool strategies we can put in place to give you kind of a last little bit of a boost towards those retirement years, pump as much money as we can into super as well.","start":1533.52,"end":1545.645,"sentiment":"neutral","sentiment_score":0.29326007712860497},{"text":"So there's there's some other things that we can look forward to down the track, so don't let your age, you know, feel disappointing in any way, shape, or form.","start":1545.645,"end":1553.325,"sentiment":"neutral","sentiment_score":0.15610800037781397},{"text":"It's fantastic where you're tracking for.","start":1553.325,"end":1555.76,"sentiment":"positive","sentiment_score":0.7153723438580831}],"sentiment":"neutral","sentiment_score":0.26411547723043827,"num_words":97,"start":1530.72,"end":1555.76},{"sentences":[{"text":"Yeah.","start":1557.26,"end":1557.76,"sentiment":"neutral","sentiment_score":0.3104153275489807},{"text":"All good.","start":1558.22,"end":1558.88,"sentiment":"positive","sentiment_score":0.5433284640312195},{"text":"The only thing I just have to let you know is we will send out your annual review pack probably in the next sort of twenty four hours.","start":1559.1799,"end":1564.3999,"sentiment":"neutral","sentiment_score":0.11950009209769112},{"text":"It will contain the financial services guide, which outlines everything about who I am.","start":1564.46,"end":1568.985,"sentiment":"neutral","sentiment_score":0.047212697698601654},{"text":"It's got my registration number.","start":1569.065,"end":1570.585,"sentiment":"neutral","sentiment_score":0.06655176430940628}],"sentiment":"neutral","sentiment_score":0.11473622847348451,"num_words":50,"start":1557.26,"end":1570.585},{"sentences":[{"text":"I'm a licensed adviser through ASIC.","start":1570.585,"end":1572.525,"sentiment":"neutral","sentiment_score":0.0667709478487571},{"text":"It's also got all the information on our business, all the other services you're entitled to as well.","start":1572.905,"end":1577.225,"sentiment":"neutral","sentiment_score":0.07636600753499402},{"text":"So we don't just provide advice around super insurances.","start":1577.225,"end":1579.8049,"sentiment":"neutral","sentiment_score":0.04332883242103788},{"text":"We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well.","start":1579.945,"end":1588.04,"sentiment":"neutral","sentiment_score":0.12762570162029827},{"text":"We yeah.","start":1589.06,"end":1589.9401,"sentiment":"neutral","sentiment_score":0.11698166280984879}],"sentiment":"neutral","sentiment_score":0.09765812311915384,"num_words":69,"start":1570.585,"end":1589.9401},{"sentences":[{"text":"I'll add the ongoing service agreement in there as well.","start":1589.9401,"end":1592.5,"sentiment":"neutral","sentiment_score":0.129054706543684},{"text":"Now you do pay an ongoing service fee for our services for us looking after everything for you.","start":1592.5,"end":1597.155,"sentiment":"neutral","sentiment_score":0.12214549796448813},{"text":"It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super.","start":1597.155,"end":1604.675,"sentiment":"neutral","sentiment_score":0.07505245640873909},{"text":"So when your super is doing really well, it does mean our fee increases slightly.","start":1604.675,"end":1608.4551,"sentiment":"neutral","sentiment_score":0.056139852354923886},{"text":"However, as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you.","start":1608.675,"end":1614.11,"sentiment":"neutral","sentiment_score":0.05852768989279866}],"sentiment":"neutral","sentiment_score":0.08274173675833837,"num_words":92,"start":1589.9401,"end":1614.11},{"sentences":[{"text":"Okay.","start":1615.13,"end":1615.29,"sentiment":"neutral","sentiment_score":0.05358664318919182},{"text":"Yeah.","start":1615.29,"end":1615.77,"sentiment":"neutral","sentiment_score":0.04299724102020264},{"text":"Did you have any questions about the ongoing service fee or how that works at all?","start":1615.77,"end":1620.03,"sentiment":"neutral","sentiment_score":0.023251395032275468},{"text":"No?","start":1621.37,"end":1621.87,"sentiment":"neutral","sentiment_score":-0.027731990441679955},{"text":"Beautiful.","start":1621.93,"end":1622.43,"sentiment":"positive","sentiment_score":0.4103829860687256}],"sentiment":"neutral","sentiment_score":0.04256286001764238,"num_words":20,"start":1615.13,"end":1622.43},{"sentences":[{"text":"Beautiful.","start":1622.73,"end":1623.23,"sentiment":"positive","sentiment_score":0.4580511450767517},{"text":"I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well.","start":1623.93,"end":1632.515,"sentiment":"neutral","sentiment_score":0.21780497361631954},{"text":"Let me know if there's any questions in relation to any of those.","start":1632.515,"end":1635.255,"sentiment":"neutral","sentiment_score":0.09003164046085797},{"text":"And there might also just be, like, a tax file opt in form as well.","start":1635.635,"end":1638.595,"sentiment":"neutral","sentiment_score":0.11793022851149242},{"text":"We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well.","start":1638.595,"end":1647.09,"sentiment":"neutral","sentiment_score":0.1452925252478297}],"sentiment":"neutral","sentiment_score":0.16115171670054013,"num_words":104,"start":1622.73,"end":1647.09},{"sentences":[{"text":"Okay?","start":1647.09,"end":1647.59,"sentiment":"neutral","sentiment_score":0.08037817478179932},{"text":"Yeah.","start":1648.53,"end":1649.03,"sentiment":"positive","sentiment_score":0.4026077687740326},{"text":"All good.","start":1649.49,"end":1650.05,"sentiment":"positive","sentiment_score":0.5527864694595337},{"text":"Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg?","start":1650.05,"end":1655.35,"sentiment":"neutral","sentiment_score":0.13629020160684982},{"text":"Yep.","start":1658.785,"end":1659.285,"sentiment":"positive","sentiment_score":0.33891552686691284}],"sentiment":"neutral","sentiment_score":0.17925652578986925,"num_words":29,"start":1647.09,"end":1659.285},{"sentences":[{"text":"Beautiful.","start":1659.345,"end":1659.845,"sentiment":"positive","sentiment_score":0.7343214750289917},{"text":"Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know.","start":1660.145,"end":1664.385,"sentiment":"neutral","sentiment_score":0.23851733051595234},{"text":"In the meantime, we'll get the annual review pack out to you in the next sort of twenty four hours.","start":1664.385,"end":1668.225,"sentiment":"neutral","sentiment_score":0.19085661172866822},{"text":"If you can just sign and return it back, and I'll get stuck into reviewing your portfolio and updating the advice for you.","start":1668.225,"end":1674.4,"sentiment":"neutral","sentiment_score":0.2087012730214907},{"text":"We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do.","start":1674.4,"end":1679.86,"sentiment":"neutral","sentiment_score":0.22849488196273646}],"sentiment":"neutral","sentiment_score":0.22296993367457657,"num_words":89,"start":1659.345,"end":1679.86},{"sentences":[{"text":"Okay?","start":1679.92,"end":1680.42,"sentiment":"neutral","sentiment_score":0.1401287168264389},{"text":"Easy.","start":1682.255,"end":1682.7351,"sentiment":"positive","sentiment_score":0.5484852194786072},{"text":"Thank you so much for your time.","start":1682.7351,"end":1684.0951,"sentiment":"positive","sentiment_score":0.8490076490810939},{"text":"I really appreciate it.","start":1684.0951,"end":1685.2151,"sentiment":"positive","sentiment_score":0.8682565093040466},{"text":"I hope you have a lovely day.","start":1685.2151,"end":1686.9951,"sentiment":"positive","sentiment_score":0.8306413463183812}],"sentiment":"positive","sentiment_score":0.7959591470658779,"num_words":20,"start":1679.92,"end":1686.9951},{"sentences":[{"text":"Alright.","start":1688.7351,"end":1689.2151,"sentiment":"neutral","sentiment_score":0.32009977102279663},{"text":"Thanks, Greg.","start":1689.2151,"end":1689.935,"sentiment":"positive","sentiment_score":0.6073853969573975},{"text":"See you.","start":1689.935,"end":1690.675,"sentiment":"positive","sentiment_score":0.44577765464782715},{"text":"Bye.","start":1690.895,"end":1691.395,"sentiment":"neutral","sentiment_score":-0.1115337535738945}],"sentiment":"positive","sentiment_score":0.3858153534432252,"num_words":6,"start":1688.7351,"end":1691.395}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Sure is. Very busy. Yep. Yep. Yeah. No worries. It's Gregory Thomas Needham. '6 to 12/1975. 50 Drayton Street, Ellora, Queensland 244362. No. Everything looks we'll call it as going pretty good. So yep. That's alright. Yeah. Yeah. Go ahead. Why, ain't it? Yep. Yep. Yep. Yep. Probably at ten months now, I think. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Sure I am. Yeah. Yep. Yep. No. We probably give the passive a passive a try. I'll see how it goes, I suppose. Yep. Yep. This sounds fine. Yeah. Yeah. Well, that's right. Yeah. That's right. No. 65 is sorta still still where I wanna sorta be if I can, but, yeah, obviously, it just all depends on everything, I suppose. Yeah. No. No. That's about where I wanna be. Yeah. Yep. Oh, probably about 600. Just the way just the way the market sort of going. Well, it is. Yeah. It's terrible. The place down three doors down the road just sold for $7,715. Yeah. Yeah. Well, it's just crazy, I think. This area is sort of spending that sort of money. No. No. It's down about $3.03 26 now. Yeah. We should have the way the way it's sort of looking, but I suppose it's all good. Take it year take it year by year at the moment to sort of make sure everything's tracking alright then. Yep. Yeah. Sure do. Yeah. It's two three year olds and a six year old. Twins. Yeah. Yeah. I know. Yeah. Well, that's that's probably gonna be the worst I would tell them. Yep. Yep. Yep. Yep. No. Not really. It's pretty pretty straightforward for the things. Yep. Yep. No. I think it's still pretty good. Yeah. The way it is. Yep. No. I have a pretty little pretty little sorted with everything. No. No. Yeah. So so you can so you can deal with all that. Yep. Yep. Yep. Okay. No. I think no. I think it's pretty good, but at the moment. Yes. Yeah. Pretty good. Yes. Yeah. Yep. Yeah. That sounds good. Yep. Yeah. It's roughly it's gone up since last time since I changed jobs. Yeah. Alright. Yep. Okay. Yeah. No. Yeah. No. Yeah. She brings in more than brings in more than me. No. I think we'll be yeah. I think we were pretty good with what she's doing. I'm sorry. Yep. Yep. Yep. Okay. Yep. No. No. I'm not. Yeah. Yeah. Yeah. Right there. Yep. No worries. Thank you. No. We don't. It's gone. Yeah. Maybe. Yeah. It'd be it'd be a while because we'll just wanna get a my reason to solve is just so we can get some work done on the house. And we just weren't using it enough to to warrant him one, so that was the main reason. Yeah. Yeah. It does. Yeah. Three. Oh, what what's got a Kia 2021 Kia Carnival? I've got a 2016 Ford Everest and a 2014 Mitsubishi Triton. The key is probably worth about 35. The the Everest is about 25, and the Triton, yeah, it's about $2,000. Yep. Yeah. Yeah. Yeah. It'll probably still be roughly the same. Yeah. Oh, we're probably putting them between the two of us, but it's around a week getting put away. But yeah. Well, you put a bit in the mortgage and the majority of it's going into the house, but renovations on the house. Yeah. Yeah. Probably getting checked off to get the house the way we want it. That's what I'm trying to get it all done all done within twelve months if we can. So yeah. We've done we've probably about a third of the way there. We've put a put a new oh, it is. Yeah. I've got to the bath. Bathroom and kitchen are the next two things, and they're they're probably the biggest things. Yep. I'll get some I'll do all the and and all that sort of stuff. Just get a plumber in to do a little plumbing and and all that sort of stuff, but I can I can do the majority of it myself? Yeah. Oh, nice. Yeah. That's the biggest thing when you when you start pulling stuff apart. Yeah. Yeah. Yeah. That's alright. Yeah. We were. Yeah. Yes. Yep. Yep. Yep. Yeah. We we talked about doing them up, so we we'll have one we'll have one soon. Is that all get that all sorted? Yeah. In the works. Yeah. Yeah. Yeah. Yeah. That's right. Yep. Yep. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. No. I think it's well, I'm sitting in maybe a risk at the moment or Yep. Yep. Yeah. No. I'll I'll start in medium rush at the moment, you know, we'll see how it goes. Yep. Yep. Yep. Yep. Yep. No. Probably six. One thirty six would be. Yeah. Six months is gonna be alright. We can. Yep. Yep. Yep. Yep. That's fine. Brilliant. Yep. Yeah. Yep. Right. Yep. Yep. Yep. Yep. Okay. Yep. Yes. Yeah. Okay. Yep. Alright. No. Yep. Yep. Yep. Yep. Yep. Not a problem. No. I don't think I think I've been covered. Yep. Yep. No worries. Okay. No worries. You too. Okay. Okay. 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Yep. Sure is. Very busy. Yep.\n\nYep. Yeah. No worries. It's Gregory Thomas Needham. '6 to 12/1975.\n\n50 Drayton Street, Ellora, Queensland 244362. No. Everything looks we'll call it as going pretty good. So yep. That's alright.\n\nYeah. Yeah. Go ahead. Why, ain't it? Yep.\n\nYep. Yep. Yep. Probably at ten months now, I think. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Sure I am. Yeah. Yep. Yep.\n\nNo. We probably give the passive a passive a try. I'll see how it goes, I suppose. Yep. Yep.\n\nThis sounds fine. Yeah. Yeah. Well, that's right. Yeah.\n\nThat's right. No. 65 is sorta still still where I wanna sorta be if I can, but, yeah, obviously, it just all depends on everything, I suppose. Yeah. No.\n\nNo. That's about where I wanna be. Yeah. Yep. Oh, probably about 600.\n\nJust the way just the way the market sort of going. Well, it is. Yeah. It's terrible. The place down three doors down the road just sold for $7,715.\n\nYeah. Yeah. Well, it's just crazy, I think. This area is sort of spending that sort of money. No.\n\nNo. It's down about $3.03 26 now. Yeah. We should have the way the way it's sort of looking, but I suppose it's all good. Take it year take it year by year at the moment to sort of make sure everything's tracking alright then.\n\nYep. Yeah. Sure do. Yeah. It's two three year olds and a six year old.\n\nTwins. Yeah. Yeah. I know. Yeah.\n\nWell, that's that's probably gonna be the worst I would tell them. Yep. Yep. Yep. Yep.\n\nNo. Not really. It's pretty pretty straightforward for the things. Yep. Yep.\n\nNo. I think it's still pretty good. Yeah. The way it is. Yep.\n\nNo. I have a pretty little pretty little sorted with everything. No. No. Yeah.\n\nSo so you can so you can deal with all that. Yep. Yep. Yep. Okay.\n\nNo. I think no. I think it's pretty good, but at the moment. Yes. Yeah.\n\nPretty good. Yes. Yeah. Yep. Yeah.\n\nThat sounds good. Yep. Yeah. It's roughly it's gone up since last time since I changed jobs. Yeah.\n\nAlright. Yep. Okay. Yeah. No.\n\nYeah. No. Yeah. She brings in more than brings in more than me. No.\n\nI think we'll be yeah. I think we were pretty good with what she's doing. I'm sorry. Yep. Yep.\n\nYep. Okay. Yep. No. No.\n\nI'm not. Yeah. Yeah. Yeah. Right there.\n\nYep. No worries. Thank you. No. We don't.\n\nIt's gone. Yeah. Maybe. Yeah. It'd be it'd be a while because we'll just wanna get a my reason to solve is just so we can get some work done on the house.\n\nAnd we just weren't using it enough to to warrant him one, so that was the main reason. Yeah. Yeah. It does. Yeah.\n\nThree. Oh, what what's got a Kia 2021 Kia Carnival? I've got a 2016 Ford Everest and a 2014 Mitsubishi Triton. The key is probably worth about 35. The the Everest is about 25, and the Triton, yeah, it's about $2,000.\n\nYep. Yeah. Yeah. Yeah. It'll probably still be roughly the same.\n\nYeah. Oh, we're probably putting them between the two of us, but it's around a week getting put away. But yeah. Well, you put a bit in the mortgage and the majority of it's going into the house, but renovations on the house. Yeah.\n\nYeah. Probably getting checked off to get the house the way we want it. That's what I'm trying to get it all done all done within twelve months if we can. So yeah. We've done we've probably about a third of the way there.\n\nWe've put a put a new oh, it is. Yeah. I've got to the bath. Bathroom and kitchen are the next two things, and they're they're probably the biggest things. Yep.\n\nI'll get some I'll do all the and and all that sort of stuff. Just get a plumber in to do a little plumbing and and all that sort of stuff, but I can I can do the majority of it myself? Yeah. Oh, nice. Yeah.\n\nThat's the biggest thing when you when you start pulling stuff apart. Yeah. Yeah. Yeah. That's alright.\n\nYeah. We were. Yeah. Yes. Yep.\n\nYep. Yep. Yeah. We we talked about doing them up, so we we'll have one we'll have one soon. Is that all get that all sorted?\n\nYeah. In the works. Yeah. Yeah. Yeah.\n\nYeah. That's right. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nYep. No. I think it's well, I'm sitting in maybe a risk at the moment or Yep. Yep. Yeah.\n\nNo. I'll I'll start in medium rush at the moment, you know, we'll see how it goes. Yep. Yep. Yep.\n\nYep. Yep. No. Probably six. One thirty six would be.\n\nYeah. Six months is gonna be alright. We can. Yep. Yep.\n\nYep. Yep. That's fine. Brilliant. Yep.\n\nYeah. Yep. Right. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yes.\n\nYeah. Okay. Yep. Alright. No.\n\nYep. Yep. Yep. Yep. Yep.\n\nNot a problem. No. I don't think I think I've been covered. Yep. Yep.\n\nNo worries. Okay. No worries. You too. Okay.\n\nOkay. 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$2,000.","start":1043.55,"end":1050.825,"sentiment":"neutral","sentiment_score":0.07436336777531184}],"sentiment":"neutral","sentiment_score":0.042865700542745064,"num_words":41,"start":1009.85,"end":1050.825},{"sentences":[{"text":"Yep.","start":1055.845,"end":1056.345,"sentiment":"neutral","sentiment_score":0.06792744249105453},{"text":"Yeah.","start":1065.74,"end":1066.24,"sentiment":"neutral","sentiment_score":0.02899821475148201},{"text":"Yeah.","start":1070.5399,"end":1070.62,"sentiment":"neutral","sentiment_score":0.04737167805433273},{"text":"Yeah.","start":1070.62,"end":1070.86,"sentiment":"neutral","sentiment_score":0.05387069284915924},{"text":"It'll probably still be roughly the same.","start":1070.86,"end":1072.88,"sentiment":"neutral","sentiment_score":0.05083324547324862}],"sentiment":"neutral","sentiment_score":0.05036370422352444,"num_words":11,"start":1055.845,"end":1072.88},{"sentences":[{"text":"Yeah.","start":1074.22,"end":1074.72,"sentiment":"positive","sentiment_score":0.36118221282958984},{"text":"Oh, we're probably putting them between the two of us, but it's around a week getting put away.","start":1084.235,"end":1088.575,"sentiment":"neutral","sentiment_score":-0.018911608669441193},{"text":"But yeah.","start":1089.515,"end":1090.505,"sentiment":"neutral","sentiment_score":0.05286993645131588},{"text":"Well, you put a bit in the mortgage and the majority of it's going into the house, but renovations on the house.","start":1093.53,"end":1100.03,"sentiment":"neutral","sentiment_score":0.01320934001441029},{"text":"Yeah.","start":1119.54,"end":1119.78,"sentiment":"neutral","sentiment_score":0.05546499416232109}],"sentiment":"neutral","sentiment_score":0.010740536458218809,"num_words":44,"start":1074.22,"end":1119.78},{"sentences":[{"text":"Yeah.","start":1119.78,"end":1120.1001,"sentiment":"neutral","sentiment_score":0.06954073160886765},{"text":"Probably getting checked off to get the house the way we want it.","start":1120.1001,"end":1123.8,"sentiment":"neutral","sentiment_score":0.09940903461896457},{"text":"That's what I'm trying to get it all done all done within twelve months if we can.","start":1126.26,"end":1130.5,"sentiment":"neutral","sentiment_score":0.09317792973974172},{"text":"So yeah.","start":1130.5,"end":1135.5249,"sentiment":"neutral","sentiment_score":0.12499229237437248},{"text":"We've done we've probably about a third of the way there.","start":1137.4249,"end":1142.565,"sentiment":"neutral","sentiment_score":0.025943562875247815}],"sentiment":"neutral","sentiment_score":0.0791192446274429,"num_words":44,"start":1119.78,"end":1142.565},{"sentences":[{"text":"We've put a put a new oh, it is.","start":1143.825,"end":1146.7999,"sentiment":"neutral","sentiment_score":0.02100150276803308},{"text":"Yeah.","start":1146.7999,"end":1147.12,"sentiment":"neutral","sentiment_score":0.003787683323025703},{"text":"I've got to the bath.","start":1147.12,"end":1148.4199,"sentiment":"neutral","sentiment_score":0.007722312677651643},{"text":"Bathroom and kitchen are the next two things, and they're they're probably the biggest things.","start":1148.5599,"end":1152.1799,"sentiment":"neutral","sentiment_score":0.03336904558042685},{"text":"Yep.","start":1155.36,"end":1155.86,"sentiment":"neutral","sentiment_score":0.011613404378294945}],"sentiment":"neutral","sentiment_score":0.02398586644220256,"num_words":31,"start":1143.825,"end":1155.86},{"sentences":[{"text":"I'll get some I'll do all the and and all that sort of stuff.","start":1157.76,"end":1161.565,"sentiment":"neutral","sentiment_score":0.023736100244734968},{"text":"Just get a plumber in to do a little plumbing and and all that sort of stuff, but I can I can do the majority of it myself?","start":1161.565,"end":1168.7849,"sentiment":"neutral","sentiment_score":0.031583936352814944},{"text":"Yeah.","start":1174.605,"end":1175.105,"sentiment":"neutral","sentiment_score":0.040873076766729355},{"text":"Oh, 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alright.","start":1201.635,"end":1202.375,"sentiment":"neutral","sentiment_score":0.20129160583019257}],"sentiment":"neutral","sentiment_score":-0.04852334508562789,"num_words":17,"start":1188.0,"end":1202.375},{"sentences":[{"text":"Yeah.","start":1209.49,"end":1209.89,"sentiment":"neutral","sentiment_score":0.09390918165445328},{"text":"We 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soon.","start":1238.84,"end":1243.5,"sentiment":"neutral","sentiment_score":0.050102873938158154},{"text":"Is that all get that all sorted?","start":1245.5851,"end":1247.105,"sentiment":"neutral","sentiment_score":0.11086007739816393}],"sentiment":"neutral","sentiment_score":0.06628769306609264,"num_words":26,"start":1230.225,"end":1247.105},{"sentences":[{"text":"Yeah.","start":1247.105,"end":1247.265,"sentiment":"neutral","sentiment_score":0.07572528719902039},{"text":"In the 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right.","start":1266.3201,"end":1267.2201,"sentiment":"neutral","sentiment_score":0.15320120751857758},{"text":"Yep.","start":1283.4551,"end":1283.91,"sentiment":"neutral","sentiment_score":0.12189145386219025},{"text":"Yep.","start":1299.7849,"end":1300.2849,"sentiment":"neutral","sentiment_score":0.06250806897878647},{"text":"Yep.","start":1314.79,"end":1315.29,"sentiment":"neutral","sentiment_score":0.04556339234113693}],"sentiment":"neutral","sentiment_score":0.1062328430513541,"num_words":6,"start":1265.8401,"end":1315.29},{"sentences":[{"text":"Yeah.","start":1327.35,"end":1327.75,"sentiment":"neutral","sentiment_score":0.16847887635231018},{"text":"Yep.","start":1327.75,"end":1328.25,"sentiment":"neutral","sentiment_score":0.20743677020072937},{"text":"Yeah.","start":1340.105,"end":1340.605,"sentiment":"neutral","sentiment_score":0.16066648066043854},{"text":"Yep.","start":1348.33,"end":1348.83,"sentiment":"neutral","sentiment_score":0.00917226355522871},{"text":"Yep.","start":1356.81,"end":1357.215,"sentiment":"neutral","sentiment_score":-0.09491521120071413}],"sentiment":"neutral","sentiment_score":0.09016783591359853,"num_words":5,"start":1327.35,"end":1357.215},{"sentences":[{"text":"Yep.","start":1370.015,"end":1370.43,"sentiment":"neutral","sentiment_score":-0.027040166780352592},{"text":"No.","start":1385.255,"end":1385.655,"sentiment":"neutral","sentiment_score":-0.23633313179016113},{"text":"I think it's well, I'm sitting in maybe a risk at the moment or Yep.","start":1385.655,"end":1422.855,"sentiment":"neutral","sentiment_score":-0.1837321196993192},{"text":"Yep.","start":1426.77,"end":1427.27,"sentiment":"neutral","sentiment_score":-0.036181237548589706},{"text":"Yeah.","start":1428.8501,"end":1429.3501,"sentiment":"neutral","sentiment_score":-0.005531081929802895}],"sentiment":"neutral","sentiment_score":-0.16110881123887866,"num_words":19,"start":1370.015,"end":1429.3501},{"sentences":[{"text":"No.","start":1430.77,"end":1431.17,"sentiment":"neutral","sentiment_score":-0.08639757335186005},{"text":"I'll I'll start in medium rush at the moment, you know, we'll see how it goes.","start":1431.17,"end":1436.15,"sentiment":"neutral","sentiment_score":-0.03795091045321897},{"text":"Yep.","start":1442.075,"end":1442.575,"sentiment":"neutral","sentiment_score":0.0974152684211731},{"text":"Yep.","start":1455.17,"end":1455.67,"sentiment":"neutral","sentiment_score":0.3019542098045349},{"text":"Yep.","start":1456.8501,"end":1457.3501,"sentiment":"neutral","sentiment_score":0.1735573709011078}],"sentiment":"neutral","sentiment_score":-0.006034264573827386,"num_words":20,"start":1430.77,"end":1457.3501},{"sentences":[{"text":"Yep.","start":1464.77,"end":1465.185,"sentiment":"neutral","sentiment_score":0.1661013960838318},{"text":"Yep.","start":1470.2251,"end":1470.7251,"sentiment":"neutral","sentiment_score":0.21136772632598877},{"text":"No.","start":1482.0801,"end":1482.24,"sentiment":"neutral","sentiment_score":-0.07165071368217468},{"text":"Probably six.","start":1482.24,"end":1483.12,"sentiment":"neutral","sentiment_score":-0.04595946706831455},{"text":"One thirty six would be.","start":1483.12,"end":1484.66,"sentiment":"neutral","sentiment_score":-0.022983543574810028}],"sentiment":"neutral","sentiment_score":0.009898175671696662,"num_words":10,"start":1464.77,"end":1484.66},{"sentences":[{"text":"Yeah.","start":1486.0,"end":1486.4,"sentiment":"neutral","sentiment_score":0.03680361434817314},{"text":"Six months is gonna be alright.","start":1486.4,"end":1488.64,"sentiment":"neutral","sentiment_score":0.06385804961125056},{"text":"We can.","start":1488.64,"end":1489.3,"sentiment":"neutral","sentiment_score":0.20418426394462585},{"text":"Yep.","start":1500.495,"end":1500.995,"sentiment":"neutral","sentiment_score":0.27088800072669983},{"text":"Yep.","start":1511.3501,"end":1511.8501,"sentiment":"neutral","sentiment_score":0.1632954329252243}],"sentiment":"neutral","sentiment_score":0.11477307941425931,"num_words":11,"start":1486.0,"end":1511.8501},{"sentences":[{"text":"Yep.","start":1517.75,"end":1518.135,"sentiment":"neutral","sentiment_score":0.19634465873241425},{"text":"Yep.","start":1528.855,"end":1529.175,"sentiment":"neutral","sentiment_score":0.15606330335140228},{"text":"That's fine.","start":1529.175,"end":1529.735,"sentiment":"positive","sentiment_score":0.3756178766489029},{"text":"Brilliant.","start":1529.735,"end":1530.235,"sentiment":"positive","sentiment_score":0.6991766691207886},{"text":"Yep.","start":1543.45,"end":1543.815,"sentiment":"neutral","sentiment_score":0.1386827975511551}],"sentiment":"neutral","sentiment_score":0.32358386367559433,"num_words":6,"start":1517.75,"end":1543.815},{"sentences":[{"text":"Yeah.","start":1543.815,"end":1544.315,"sentiment":"neutral","sentiment_score":0.22352921962738037},{"text":"Yep.","start":1556.0549,"end":1556.5549,"sentiment":"neutral","sentiment_score":0.20042572915554047},{"text":"Right.","start":1556.855,"end":1557.355,"sentiment":"neutral","sentiment_score":0.2454359531402588},{"text":"Yep.","start":1564.51,"end":1565.01,"sentiment":"neutral","sentiment_score":0.018323298543691635},{"text":"Yep.","start":1569.31,"end":1569.645,"sentiment":"neutral","sentiment_score":0.05768498778343201}],"sentiment":"neutral","sentiment_score":0.14907983765006066,"num_words":5,"start":1543.815,"end":1569.645},{"sentences":[{"text":"Yep.","start":1577.645,"end":1578.145,"sentiment":"neutral","sentiment_score":0.03023519180715084},{"text":"Yep.","start":1587.92,"end":1588.3201,"sentiment":"neutral","sentiment_score":0.08391635864973068},{"text":"Okay.","start":1588.3201,"end":1588.8201,"sentiment":"neutral","sentiment_score":0.09066492319107056},{"text":"Yep.","start":1608.745,"end":1608.985,"sentiment":"neutral","sentiment_score":0.04690791293978691},{"text":"Yes.","start":1608.985,"end":1609.485,"sentiment":"neutral","sentiment_score":0.0757121816277504}],"sentiment":"neutral","sentiment_score":0.06548731364309787,"num_words":5,"start":1577.645,"end":1609.485},{"sentences":[{"text":"Yeah.","start":1613.74,"end":1614.0599,"sentiment":"neutral","sentiment_score":0.03598363324999809},{"text":"Okay.","start":1614.0599,"end":1614.54,"sentiment":"neutral","sentiment_score":0.04191675782203674},{"text":"Yep.","start":1614.54,"end":1615.04,"sentiment":"neutral","sentiment_score":0.048862602561712265},{"text":"Alright.","start":1615.26,"end":1615.76,"sentiment":"neutral","sentiment_score":0.062114417552948},{"text":"No.","start":1620.22,"end":1620.72,"sentiment":"neutral","sentiment_score":-0.06578408181667328}],"sentiment":"neutral","sentiment_score":0.024618665874004363,"num_words":5,"start":1613.74,"end":1620.72},{"sentences":[{"text":"Yep.","start":1633.2849,"end":1633.7849,"sentiment":"neutral","sentiment_score":0.06552883982658386},{"text":"Yep.","start":1634.78,"end":1635.28,"sentiment":"neutral","sentiment_score":0.08271464705467224},{"text":"Yep.","start":1647.26,"end":1647.4199,"sentiment":"neutral","sentiment_score":0.08570918440818787},{"text":"Yep.","start":1647.4199,"end":1647.5,"sentiment":"neutral","sentiment_score":0.10129386186599731},{"text":"Yep.","start":1647.5,"end":1648.0,"sentiment":"neutral","sentiment_score":0.1577022671699524}],"sentiment":"neutral","sentiment_score":0.09858976006507873,"num_words":5,"start":1633.2849,"end":1648.0},{"sentences":[{"text":"Not a problem.","start":1648.0599,"end":1648.88,"sentiment":"neutral","sentiment_score":0.3255887031555176},{"text":"No.","start":1655.765,"end":1656.005,"sentiment":"neutral","sentiment_score":-0.013998698443174362},{"text":"I don't think I think I've been covered.","start":1656.005,"end":1658.025,"sentiment":"neutral","sentiment_score":-0.25499409530311823},{"text":"Yep.","start":1664.7101,"end":1665.2101,"sentiment":"neutral","sentiment_score":0.11685945838689804},{"text":"Yep.","start":1670.2301,"end":1670.7301,"sentiment":"neutral","sentiment_score":0.11335711181163788}],"sentiment":"neutral","sentiment_score":-0.060497770085930824,"num_words":14,"start":1648.0599,"end":1670.7301},{"sentences":[{"text":"No worries.","start":1680.3251,"end":1680.965,"sentiment":"neutral","sentiment_score":0.2210736721754074},{"text":"Okay.","start":1680.965,"end":1681.465,"sentiment":"positive","sentiment_score":0.3420029282569885},{"text":"No worries.","start":1687.125,"end":1687.685,"sentiment":"positive","sentiment_score":0.4114745855331421},{"text":"You too.","start":1687.685,"end":1688.345,"sentiment":"positive","sentiment_score":0.4437190741300583},{"text":"Okay.","start":1689.631,"end":1690.131,"sentiment":"positive","sentiment_score":0.44361767172813416}],"sentiment":"positive","sentiment_score":0.3672694079577923,"num_words":8,"start":1680.3251,"end":1690.131},{"sentences":[{"text":"Okay.","start":1690.1909,"end":1690.6909,"sentiment":"neutral","sentiment_score":0.1769525408744812},{"text":"Bye.","start":1690.751,"end":1691.251,"sentiment":"neutral","sentiment_score":0.20831644535064697}],"sentiment":"neutral","sentiment_score":0.1926344931125641,"num_words":2,"start":1690.1909,"end":1691.251}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Gregory. It's Dana again from Oakview Financial. Is now a better time there for you?\n\nChannel 1: Yep. Sure is.\n\nChannel 0: Fantastic. How's your morning been so fast? Sounds busy.\n\nChannel 1: Very busy.\n\nChannel 0: Yeah. That that's okay. I was trying not to take up too much of your time. As\n\nChannel 1: Yep.\n\nChannel 0: I kinda mentioned, I had you booked in to go through an annual review there.\n\nChannel 1: Yep.\n\nChannel 0: Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Fantastic. And just to do security, I am discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: It's Gregory Thomas Needham. '6 to 12/1975. 50 Drayton Street, Ellora, Queensland\n\nChannel 0: Yep. Yep.\n\nChannel 1: 244362.\n\nChannel 0: Beautiful. Thank you so much for that. So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all?\n\nChannel 1: No. Everything looks we'll call it as going pretty good. So\n\nChannel 0: Yeah. Fantastic. Well, I'll jump in and give you an update on your super to start with. So having a bit of a\n\nChannel 1: yep.\n\nChannel 0: look at things, your super has been doing really, really well this year. I'm just pulling up the report. I'm so sorry. The report just dropped out\n\nChannel 1: That's\n\nChannel 0: on me.\n\nChannel 1: alright.\n\nChannel 0: Gotta love computers and technology when it wants to actually work.\n\nChannel 1: Yeah. Yeah. Go ahead. Why, ain't it?\n\nChannel 0: That's exactly right. But, no, look, honestly, looking at your portfolio as a whole, it has\n\nChannel 1: Yep.\n\nChannel 0: been performing quite nicely there when we're looking at everything. Even with what's happening in the world at the moment, we have seen some ups and downs there.\n\nChannel 1: Yep.\n\nChannel 0: Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there. That was kinda when we saw one of the big\n\nChannel 1: Yep.\n\nChannel 0: the bigger dips to your portfolio. But we've also seen a bit of recovery in that point as well, which is good to see.\n\nChannel 1: Yep.\n\nChannel 0: I can also see what your new contribution's going in there as well from your new employer. That's fantastic. How long have you been working for them for?\n\nChannel 1: Probably at ten months now, I think.\n\nChannel 0: Yeah. Fantastic. And you're enjoying it still?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent. With your super, they're having a look now. Your balance as of this time last year was about $173,004.64, and your balance now is $192.02 $1.01. So, again, a good increase there.\n\nChannel 1: Yep.\n\nChannel 0: When we look at the performance after fees, so net, you've made a 9.08 percent return. So it's good to see a positive return there.\n\nChannel 1: Yep.\n\nChannel 0: Some people do prefer a dollar figure as opposed to a percentage, so that equates to earnings in the portfolio of about 20,422 for you for the year. Okay? Yeah. Yeah. It is really important we are reviewing, obviously, investments because what was in your portfolio years ago, which might have been working well, may no longer be working for you now.\n\nSo what I'm going through and having a bit of a look at everything, it does look like one of your investments is kinda underperforming a little bit there.\n\nChannel 1: Yep.\n\nChannel 0: You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio initially.\n\nChannel 1: Yep.\n\nChannel 0: It had been great for the last couple of years. I had seen some really good returns up until kinda COVID. It's been a bit up and down the last couple of years from there. What I would\n\nChannel 1: Yep.\n\nChannel 0: like to maybe do is look at replacing that with something else. It's kind of underperforming still at the moment. I don't think there's any point in keeping it there. I'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio. Are you open to me doing that for you?\n\nChannel 1: Yep. Sure I am.\n\nChannel 0: Yeah. Fantastic. It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals. So\n\nChannel 1: Yeah.\n\nChannel 0: it's definitely a good thing to do that, reassess what risk level you're taking the investments, and make sure you're on track towards meeting your goals. Okay? Yeah. Beautiful. With the, the way investments work and the way you can be invested, there are a couple of different ways.\n\nChannel 1: Yep.\n\nChannel 0: So as I mentioned, Bennelong was an actively managed fund that was placed in there for you.\n\nChannel 1: Yep.\n\nChannel 0: Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market? You are paying to have that kind of fund manager in there. So it can be a little bit more expensive to have those fund managers. Alternatively, we can look at something a bit more passive. So passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform.\n\nThey're just participating. It can be a cheaper way to invest, and over the longer term can provide greater returns. Did you want me to look at something passive, or did you still wanna have that active management in there? Or\n\nChannel 1: No. We probably give the passive a passive a try. I'll see how it goes, I suppose.\n\nChannel 0: yeah. Absolutely. I'll have a look at the options. I've got a few options that we can swap it out with and have a look at for you. I'll\n\nChannel 1: Yep.\n\nChannel 0: go back. I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are. Does that sound okay?\n\nChannel 1: Yep. This sounds fine.\n\nChannel 0: Yeah. Beautiful. Excellent. Other than that, that's all working really nicely here. Your contributions are going in, which is fantastic.\n\nWhen you think about your super, have you look at your circumstances at the moment. Now you're 51 this year. Is that right? Yeah. Look.\n\nThat's a positive. You're getting you you don't think of it as a bad thing. You're getting closer to being able to access your super, which is a great\n\nChannel 1: Yeah.\n\nChannel 0: aspect.\n\nChannel 1: Yeah. Well, that's right.\n\nChannel 0: 51 years young this year is what I would say.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: All good. Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65. Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier?\n\nChannel 1: No. 65 is sorta still still where I wanna sorta be if\n\nChannel 0: Yeah.\n\nChannel 1: I can,\n\nChannel 0: Perfect.\n\nChannel 1: but, yeah, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: it just all depends on everything, I suppose.\n\nChannel 0: Yeah. Absolutely. And you were sorta hoping for, I believe, an income in retirement of about $800 per week. Are you still thinking that would be sufficient at the moment? I know when we get to that point, it could be very different.\n\nBut is that still where you're tracking goal wise at the moment, or would you like to\n\nChannel 1: Yeah.\n\nChannel 0: alter\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: No. That's about where I wanna be. Yeah.\n\nChannel 0: Yeah. Fantastic. And having a look back in 2024,\n\nChannel 1: Yep.\n\nChannel 0: I believe you purchased a home. I've got an asset value on that one. The last value we had noted was about 420,000. What kind of value would you put on the property now?\n\nChannel 1: Oh, probably about 600.\n\nChannel 0: Yeah.\n\nChannel 1: Just the way\n\nChannel 0: Fantastic.\n\nChannel 1: just the way the market sort of going.\n\nChannel 0: Yeah. Yeah. Absolutely. It's good for us to already own a home, but it's a bit scary for anyone trying to get into the market currently in there.\n\nChannel 1: Well, it is. Yeah. It's terrible. The place down\n\nChannel 0: Yes.\n\nChannel 1: three doors down the road just sold for $7,715.\n\nChannel 0: Wow. That's incredible. Yep. Getting up towards that million dollar mark.\n\nChannel 1: Yeah. Yeah. Well, it's just crazy, I think. This area is sort of spending that sort of money.\n\nChannel 0: Yeah. Absolutely. Mortgage on the property, we had owing about 368,000. Have you been able to reduce that mortgage a little bit, or have you increased for anything additional?\n\nChannel 1: No. No. It's down about $3.03 26 now.\n\nChannel 0: Yeah. Fantastic. Lovely. And one of the goals I had back when was that you were trying to obviously end up completely debt free for your retirement. Are you still hoping to have that mortgage paid off in that time frame, or how's that tracking?\n\nChannel 1: Yeah. We should have the way the way it's sort of looking, but\n\nChannel 0: Yep.\n\nChannel 1: I suppose it's all good.\n\nChannel 0: Yep.\n\nChannel 1: Take it year\n\nChannel 0: Yep.\n\nChannel 1: take it year by year at the moment to sort of make sure everything's tracking alright then.\n\nChannel 0: Yeah. Completely understandable. And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. All good. The other thing I have done here now, I've also got noted that you've got three kids at home. You still got all three kids living at home?\n\nChannel 1: Yeah. Sure do.\n\nChannel 0: Yeah. Yeah. Beautiful. Are they minors 18, small children?\n\nChannel 1: Yeah. It's two three year olds and a six year old.\n\nChannel 0: Wow. You had twins. Fantastic.\n\nChannel 1: Twins. Yeah.\n\nChannel 0: And there's three. You went through the terrible twos with two children.\n\nChannel 1: Yeah. I know.\n\nChannel 0: Oh, you did well. I'll tell you what. Teenage used to go. Hey?\n\nChannel 1: Yeah. Well, that's that's probably gonna be the worst I would tell them.\n\nChannel 0: Yes. Yep. Yep. No. Perfect.\n\nAll good. And I've got down here that you're still married. I've got your wife down, Helen, as your next of kin. You're still comfortable with that one?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. I'm also just double checking your beneficiaries there. So on your super, we do have it noted here that Helen is your beneficiary. So in the event of passing away, your super is paid out to her at a 100%.\n\nChannel 1: Yep.\n\nChannel 0: The good thing about this beneficiary is it's finding non lapsing. So that meant you only filled out one form. It doesn't have to be done again until you wanna revoke or alter that beneficiary nomination. But you're still comfortable with the way that's noted?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. Beautiful. Now the other thing to kinda go through is your insurances. So out of your super, you are paying for your insurance cover with Clearview.\n\nYou've got your life, your TPD, your income protection there.\n\nChannel 1: Yep.\n\nChannel 0: With your life cover, just to double check, do you understand how those insurances work? Do you did you have any questions about the cut the cover you have? Or\n\nChannel 1: No. Not really. It's\n\nChannel 0: no.\n\nChannel 1: pretty\n\nChannel 0: That's okay.\n\nChannel 1: pretty straightforward\n\nChannel 0: Yeah.\n\nChannel 1: for the\n\nChannel 0: Beautiful.\n\nChannel 1: things.\n\nChannel 0: Beautiful. Yeah. So with your cover at the moment, as I mentioned, your balance inside super is currently 190 sorry. $195.01 $1.03 as of today's date. It's gone up a bit since I I got the report up, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: With your insurance, is your life cover there? You've got a benefit amount of $574,005.62.\n\nChannel 1: Yep.\n\nChannel 0: You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there. So does that benefit amount cover what you are wanting to cover with regard to your goals? Did you wanna look at reviewing that benefit amount at all?\n\nChannel 1: No. I think it's still pretty good. Yeah. The way\n\nChannel 0: Yes.\n\nChannel 1: it is.\n\nChannel 0: That's okay. Perfect. So just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when\n\nChannel 1: Yep.\n\nChannel 0: we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted. Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover?\n\nChannel 1: No. I have a pretty little pretty\n\nChannel 0: Yep.\n\nChannel 1: little sorted with everything.\n\nChannel 0: Yep. That's okay. And was I'm sort of having a look back at your last sort of goals there, but was your goal with your life cover just to kind of have it paid out to Helen and have her be able to pay off the mortgage and live debt free? Or is there anything specific you wanted to have paid off with your life cover?\n\nChannel 1: No. No. Yeah. So so you can so you can deal with all that.\n\nChannel 0: Nice. All good. With the TPD, now total permanent disability, you are still living. So a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house.\n\nChannel 1: Yep.\n\nChannel 0: You have the same level of TPD in the event of never being able to go back to work again. And under a permanent capacity, we can also get access to your suit in there as well.\n\nChannel 1: Yep.\n\nChannel 0: You do so it's about the same level of cover. That would realistically still pay out the mortgage completely and leave a little bit of additional benefit there.\n\nChannel 1: Yep.\n\nChannel 0: However, I do like to make sure everyone is aware. If you're under 60 and you claim on TBD, it is unfortunately taxed at a certain rate as well. So there are some taxes that may come into effect there. But are you\n\nChannel 1: Okay.\n\nChannel 0: happy with the level of cover? Did you wanna reevaluate that at all?\n\nChannel 1: No. I think no. I think it's pretty good, but\n\nChannel 0: Yep.\n\nChannel 1: at the moment. Yes.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: If it\n\nChannel 1: Pretty\n\nChannel 0: ever comes\n\nChannel 1: good.\n\nChannel 0: down and you wanna look or talk about it, let me know.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, as you get older, these insurances do get more expensive. This year, the premium that came out, I actually have it here. So you paid $4,694.86 from your super fund for that. So\n\nChannel 1: Yeah.\n\nChannel 0: they will get more expensive. So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you. Does that sound okay?\n\nChannel 1: Yep. Yeah. That sounds good.\n\nChannel 0: Yeah. Fantastic. And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury.\n\nChannel 1: Yep.\n\nChannel 0: With my lovely note here from Michelle, she made mention your income's about 75,000 at the moment. Is that right?\n\nChannel 1: Yeah. It's roughly it's gone up since last time\n\nChannel 0: Okay. Yeah. Beautiful.\n\nChannel 1: since I changed\n\nChannel 0: Now with\n\nChannel 1: jobs.\n\nChannel 0: yeah. That's good. It's always good to get an increase in pay. You work hard. You deserve it.\n\nSo, realistically, having a look at that, with income protection, you can be covered for up to 70% of your income if you're off work due to illness or injury. Looking at\n\nChannel 1: Yeah.\n\nChannel 0: your income at the moment, your current level of income protection, you are slightly underinsured there. Not\n\nChannel 1: Alright.\n\nChannel 0: by a huge amount. Yes. So your benefit amount pretax because income tax is is deducted from the monthly benefit as well if you're on a claim.\n\nChannel 1: Yep.\n\nChannel 0: The benefit amount that you're covered for is 3,350. Looking at 70% of your current income would mean you would need to be covered for 4,375. In saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for.\n\nChannel 1: Okay.\n\nChannel 0: Does Helen work as well? Does she bring in an income to the family, or are you just a sole\n\nChannel 1: Yeah.\n\nChannel 0: breadwinner?\n\nChannel 1: No. Yeah. No. Yeah. She brings\n\nChannel 0: Yep.\n\nChannel 1: in more than brings in more than me.\n\nChannel 0: Okay. Beautiful. So if you were not able to get a work and say you were drawing the monthly benefit down, does that benefit plus, say, her income feel like it would be enough to cover the expenses? I mean, just give you a basic level of living, or do you think you would need to increase it?\n\nChannel 1: No. I think we'll be yeah. I think we were pretty good with what she's doing. I'm sorry.\n\nChannel 0: Yep. That's okay. Not a problem at all. Excellent. And with this one here, you've got a ninety day waiting period, so you just have to be off work for ninety days if anything happens.\n\nWhat I would\n\nChannel 1: Yep.\n\nChannel 0: suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call. Let us know. Was it when we know the first date that you've stopped working and the reason for, we can always contact the insurer and get the claim started. And that way,\n\nChannel 1: Yep.\n\nChannel 0: at ninety days, we can get the claims paperwork submitted to start the claim for you. That way, it alleviates a large backlog and gets\n\nChannel 1: Yep.\n\nChannel 0: the claim processed as quickly as possible. And\n\nChannel 1: Okay.\n\nChannel 0: then with\n\nChannel 1: Yep.\n\nChannel 0: a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless. But we would certainly hope you wouldn't be off for that long.\n\nChannel 1: No. No. I'm not.\n\nChannel 0: Beautiful. Beautiful. So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know. More than happy to make time to do so for you. Okay?\n\nChannel 1: Yeah. Right there. Yep. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. Now other assets I have noted on your file from last time, you have a caravan. Do you still happen to have that one?\n\nChannel 1: No. We don't. It's gone.\n\nChannel 0: It's gone? All good.\n\nChannel 1: Yeah.\n\nChannel 0: Any plans to get a new one down the track for those retirement years? Or\n\nChannel 1: Maybe. Yeah. It'd be it'd be a\n\nChannel 0: Yeah.\n\nChannel 1: while because we'll just wanna get a my reason to solve is just so we can get some work done on the house.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: And we just weren't using it enough to\n\nChannel 0: Yeah.\n\nChannel 1: to warrant him one, so\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: that was the\n\nChannel 0: When\n\nChannel 1: main reason.\n\nChannel 0: do you, yeah, when you sorta weigh up the cost of registration, servicing, insurances, and\n\nChannel 1: Yeah.\n\nChannel 0: things like that, if you're not really enjoying it, it kind of becomes a bit of a liability, doesn't it?\n\nChannel 1: Yeah. It does. Yeah.\n\nChannel 0: No. All good. I also had here you had I don't believe this is a car. I think it's two. How\n\nChannel 1: Three.\n\nChannel 0: many vehicles do you own? I'm so sorry. Three? Perfect. What are they?\n\nI'll note them down separately for you.\n\nChannel 1: Oh, what what's got a Kia 2021 Kia Carnival?\n\nChannel 0: Yep.\n\nChannel 1: I've got a 2016 Ford Everest\n\nChannel 0: Perfect.\n\nChannel 1: and a 2014 Mitsubishi Triton.\n\nChannel 0: Oh, fantastic. And with those vehicles, what sort of rough estimate would you put value wise on them?\n\nChannel 1: The key is probably worth about 35.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: The the Everest is about 25,\n\nChannel 0: Yep.\n\nChannel 1: and the Triton, yeah, it's about $2,000.\n\nChannel 0: Yeah. Nice. Nice. And you own all those outright as well?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. Lovely. I also had it noted here. You have some cash in savings about a thousand dollars with the worth on the house.\n\nI'm assuming a lot of the excess\n\nChannel 1: Yeah.\n\nChannel 0: cash goes into that. But do you have anything in saving at the moment?\n\nChannel 1: Yeah. Yeah. It'll probably still be roughly the same.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Excellent. And how do you find the expenditure wise? Is everything kind of stay going into the house at the moment, or are you managing to put away much out of your weekly income?\n\nChannel 1: Oh, we're probably putting them between the two of us, but it's around a week getting put away.\n\nChannel 0: Okay. Yeah. Perfect.\n\nChannel 1: But\n\nChannel 0: And is\n\nChannel 1: yeah.\n\nChannel 0: that going on to the mortgage, like, reducing that offset?\n\nChannel 1: Well, you put a bit in the mortgage and the majority of it's going into the house, but renovations\n\nChannel 0: Yes.\n\nChannel 1: on the house.\n\nChannel 0: Yep. Perfect. Lovely. Excellent. One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super.\n\nIs that something you're still looking at doing, or is that more just down the track once you've done the house renovations? And\n\nChannel 1: Yeah. Yeah. Probably getting checked off to get the house the way we want\n\nChannel 0: yep.\n\nChannel 1: it. That's what\n\nChannel 0: Perfect.\n\nChannel 1: I'm trying to\n\nChannel 0: Yeah.\n\nChannel 1: get it all done all done within\n\nChannel 0: Yep.\n\nChannel 1: twelve months if we can. So\n\nChannel 0: Fantastic. So twelve months to get the renovations done. And whereabouts\n\nChannel 1: yeah.\n\nChannel 0: are you up to?\n\nChannel 1: We've done we've probably about a third of the way there.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: We've put\n\nChannel 0: It's\n\nChannel 1: a put\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: big job,\n\nChannel 1: new\n\nChannel 0: isn't it?\n\nChannel 1: oh, it is. Yeah. I've got to the bath. Bathroom and kitchen are the next two things, and they're they're probably the biggest things.\n\nChannel 0: Yep. Yep. Are you doing the bathroom yourself, or are you\n\nChannel 1: Yep.\n\nChannel 0: getting someone in to do it?\n\nChannel 1: I'll get some I'll do all the and and\n\nChannel 0: Yep.\n\nChannel 1: all that sort of stuff. Just get a plumber in to do a little plumbing and\n\nChannel 0: Yep.\n\nChannel 1: and all that sort of stuff, but I can I can do the majority of it myself?\n\nChannel 0: Oh, fantastic. That's excellent. It's definitely on my list of things to do in my bathroom, but I'm gonna have\n\nChannel 1: Yeah.\n\nChannel 0: to get someone else in to do it. My my bathroom is definitely a lovely pink nineteen sixties color. It definitely needs\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: nice.\n\nChannel 0: be completely pulled apart, and I'm a bit scared of what they're gonna find when they start pulling all that stuff apart.\n\nChannel 1: Yeah. That's the biggest thing when you when you start\n\nChannel 0: It\n\nChannel 1: pulling\n\nChannel 0: is.\n\nChannel 1: stuff apart.\n\nChannel 0: It is. It is. But, no, it'll be okay eventually. We'll just get someone to come in and give me the bad news in one day and then drink a whole bottle of wine maybe afterwards.\n\nChannel 1: Yeah. Yeah. Yeah. That's alright.\n\nChannel 0: Oh, well, good luck. I hope it all goes well with getting that done in twelve months. It'll be all be nice when it's all done for you.\n\nChannel 1: Yeah. We were. Yeah.\n\nChannel 0: Yeah. Fantastic. I will just go back and double check the beneficiaries on your insurance policy as well. I can't quite see at the moment that they are up to date as the support is a little bit not working for me. So\n\nChannel 1: Yes.\n\nChannel 0: I'll go back and double check those. If there's any need to update them, I'll make sure we will. I'll just make sure we got Helen down there for you\n\nChannel 1: Yep.\n\nChannel 0: on\n\nChannel 1: Yep.\n\nChannel 0: those. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The other thing with the estate planning is have you guys got a will to have attorney? Have you just sort of spoken about doing those up?\n\nChannel 1: Yeah. We we talked about doing them up, so we we'll have\n\nChannel 0: Yep.\n\nChannel 1: one we'll have one soon.\n\nChannel 0: Okay. Yep. Perfect. So\n\nChannel 1: Is that\n\nChannel 0: in\n\nChannel 1: all\n\nChannel 0: the\n\nChannel 1: get\n\nChannel 0: works.\n\nChannel 1: that all sorted? Yeah. In the works.\n\nChannel 0: Yeah. Yep. Fantastic. And you've got a solicitor that you are trusting to kinda do all that up for you at the moment?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Excellent. One of those things is we kind of tend to put off, but it's really important to make sure everything's kinda covered in the event something was to happen.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. Fantastic. And just going through, I think I've got mostly everything here for you. So what I can do now, if you like, is I'll go back. I'll have a bit of a review of your portfolio to see how you invested.\n\nI'll double check your asset allocation is all correct there.\n\nChannel 1: Yep.\n\nChannel 0: Just on the asset allocation, having a look at things, now you are invested in a growth portfolio. So that generally sees about 80% of your super investing growth assets. I think things like straight in shares, international shares, listed property, and also commodities\n\nChannel 1: Yep.\n\nChannel 0: like gold and silver there. Realistically, that's where we tend to see you for your agent stage with you still having over ten years before accessing super there. You can still be taking on a bit more risk in the market and being in that growth environment\n\nChannel 1: Yep.\n\nChannel 0: to obtain greater growth long term, but it does open you up to short term volatility. So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: In that kind of growth environment, you still see about 20% in low risk defensive investments, the things like cash, bonds, and fixed interest that you have more of those growth assets to try and get that greater potential returns.\n\nChannel 1: Yeah.\n\nChannel 0: With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis. That's what you're sort of aiming for with this portfolio. So anything\n\nChannel 1: Yep.\n\nChannel 0: over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance.\n\nChannel 1: Yep.\n\nChannel 0: And we do know with the ups and downs, you do feel the negative returns. We do see them every couple of years. It is expected in normal, and we can a negative return about one in every sort of five years at the moment.\n\nChannel 1: Yep.\n\nChannel 0: With where you are age and stage, you're fine to be in that sort of growth environment a little bit longer. Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things?\n\nChannel 1: No. I think it's well, I'm sitting in maybe a risk at the moment or\n\nChannel 0: Yeah. You are. So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance. So you're kind of in that middle range there. Growth environment through someone who has at least six years before they're accessing their super, and that's because you do do feel those ups and downs in the market in the short term.\n\nSo we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that. We wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage\n\nChannel 1: Yep.\n\nChannel 0: of all those downtimes, and get that good growth as the market recovers\n\nChannel 1: Yep.\n\nChannel 0: before you're accessing your sofa.\n\nChannel 1: Yeah. No. I'll I'll start in medium rush at the moment, you know,\n\nChannel 0: Yep.\n\nChannel 1: we'll see how it\n\nChannel 0: That's\n\nChannel 1: goes.\n\nChannel 0: Yeah. That's absolutely fine. If you feel you are uncomfortable or nervous at any point, let me know.\n\nChannel 1: Yep.\n\nChannel 0: You're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes. So you can ask for me. I'll book you in at any point in time. You do pay an ongoing service fee for having us here as well, so you mentally\n\nChannel 1: Yep.\n\nChannel 0: use me to your advantage.\n\nChannel 1: Yep.\n\nChannel 0: If you're feeling nervous or concerned or just wanna chat about how things are going or an updated balance or, you know, have some questions on anything, feel\n\nChannel 1: Yep.\n\nChannel 0: free to give me a call. I'll book in a time that suits you to make sure we go through these sorts of things.\n\nChannel 1: Yep.\n\nChannel 0: And down the track, we wanna do more catch ups with you as well. Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment? What would you like to see?\n\nChannel 1: No. Probably six. One thirty six would be.\n\nChannel 0: Six months?\n\nChannel 1: Yeah. Six months is gonna\n\nChannel 0: Yep.\n\nChannel 1: be alright. We can.\n\nChannel 0: Absolutely. Not a problem at all. I'll pop that in the calendar there so my admin team member, Michelle, will give you a call and book in a time to, you know, have that catch up in about six months' time. And in the meantime,\n\nChannel 1: Yep.\n\nChannel 0: I'll go back and review the portfolio and just update the advice to make sure we're on track. I'll look at your goals because you are just over that ten year time horizon. You're, you know, in your fifties now. I'll take\n\nChannel 1: Yep.\n\nChannel 0: into account the long term effect and what we're sort of tracking for and how this might look projected towards retirement,\n\nChannel 1: Yep.\n\nChannel 0: just to give you a bit of an idea on what that sort of looks like, and then we can kind of go from there and keep sort of tracking and looking at what what we're moving towards as we get there. Does that sound okay with you?\n\nChannel 1: Yep. That's fine. Brilliant.\n\nChannel 0: Yeah. Beautiful. As I said, getting older is not always a bad thing. And then once you kinda hit that 60 to 65 mark, there's some other really cool strategies we can put in place to give you kind of a last little bit of a boost towards those retirement years, pump as\n\nChannel 1: Yep.\n\nChannel 0: much money\n\nChannel 1: Yeah.\n\nChannel 0: as we can into super as well. So there's there's some other things that we can look forward to down the track, so don't let your age, you know, feel disappointing in any way, shape, or form. It's fantastic where you're tracking for.\n\nChannel 1: Yep. Right.\n\nChannel 0: Yeah. All good. The only thing I just have to let you know is we will send out your annual review pack probably in the next sort of twenty four hours. It\n\nChannel 1: Yep.\n\nChannel 0: will contain the financial services guide, which outlines everything about who I am. It's got\n\nChannel 1: Yep.\n\nChannel 0: my registration number. I'm a licensed adviser through ASIC. It's also got all the information on our business, all the other services you're entitled to as well. So we don't\n\nChannel 1: Yep.\n\nChannel 0: just provide advice around super insurances. We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: We yeah. I'll add the ongoing service agreement in there as well. Now you do pay an ongoing service fee for our services for us looking after everything for you. It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super. So when your super is doing really well, it does mean our fee increases slightly.\n\nHowever,\n\nChannel 1: Yep. Yes.\n\nChannel 0: as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Did you have any questions about the ongoing service fee or how that works at all?\n\nChannel 1: No.\n\nChannel 0: No? Beautiful. Beautiful. I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well. Let me know if there's any\n\nChannel 1: Yep.\n\nChannel 0: questions in relation to any of those.\n\nChannel 1: Yep.\n\nChannel 0: And there might also just be, like, a tax file opt in form as well. We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well. Okay?\n\nChannel 1: Yep. Yep. Yep. Not a problem.\n\nChannel 0: Yeah. All good. Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg?\n\nChannel 1: No. I don't think I think I've been covered.\n\nChannel 0: Yep. Beautiful. Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know. In the meantime,\n\nChannel 1: Yep.\n\nChannel 0: we'll get the annual review pack out to you in the next sort of twenty four hours. If you can just sign and return it back,\n\nChannel 1: Yep.\n\nChannel 0: and I'll get stuck into reviewing your portfolio and updating the advice for you. We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do. Okay?\n\nChannel 1: No worries. Okay.\n\nChannel 0: Easy. Thank you so much for your time. I really appreciate it. I hope you have a lovely day.\n\nChannel 1: No worries. You too.\n\nChannel 0: Alright. Thanks, Greg.\n\nChannel 1: Okay.\n\nChannel 0: See you.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.027806919068098068}],"sentiment":"neutral","sentiment_score":0.027806919068098068,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Hi, Gregory.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13991840183734894},{"text":"It's Dana again from Oakview Financial.","start":2.6399999,"end":4.48,"sentiment":"neutral","sentiment_score":0.19460617005825043},{"text":"Is now a better time there for you?","start":4.48,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2654542997479439}],"sentiment":"neutral","sentiment_score":0.22319426387548447,"channel":0,"num_words":16,"start":1.92,"end":6.2599998},{"sentences":[{"text":"Yep.","start":6.3199997,"end":6.72,"sentiment":"neutral","sentiment_score":0.15648646652698517},{"text":"Sure is.","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2797238230705261}],"sentiment":"neutral","sentiment_score":0.23864470422267914,"channel":1,"num_words":3,"start":6.3199997,"end":7.54},{"sentences":[{"text":"Fantastic.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.5959676504135132},{"text":"How's your morning been so fast?","start":8.8,"end":10.48,"sentiment":"positive","sentiment_score":0.37694550553957623},{"text":"Sounds busy.","start":10.48,"end":11.219999,"sentiment":"neutral","sentiment_score":0.03237410821020603}],"sentiment":"neutral","sentiment_score":0.32470987778570914,"channel":0,"num_words":9,"start":7.9199996,"end":11.219999},{"sentences":[{"text":"Very busy.","start":11.5199995,"end":12.34,"sentiment":"neutral","sentiment_score":0.001524548977613449}],"sentiment":"neutral","sentiment_score":0.001524548977613449,"channel":1,"num_words":2,"start":11.5199995,"end":12.34},{"sentences":[{"text":"Yeah.","start":13.165,"end":13.485,"sentiment":"neutral","sentiment_score":0.06916850060224533},{"text":"That that's okay.","start":13.485,"end":14.605,"sentiment":"neutral","sentiment_score":0.09700578451156616},{"text":"I was trying not to take up too much of your time.","start":14.605,"end":16.705,"sentiment":"neutral","sentiment_score":-0.050058506118754544},{"text":"As","start":16.925,"end":17.165,"sentiment":"neutral","sentiment_score":0.038632333278656006}],"sentiment":"neutral","sentiment_score":-0.011875522706438513,"channel":0,"num_words":17,"start":13.165,"end":17.165},{"sentences":[{"text":"Yep.","start":16.975,"end":17.475,"sentiment":"neutral","sentiment_score":0.04728522151708603}],"sentiment":"neutral","sentiment_score":0.04728522151708603,"channel":1,"num_words":1,"start":16.975,"end":17.475},{"sentences":[{"text":"I kinda mentioned, I had you booked in to go through an annual review there.","start":17.165,"end":20.305,"sentiment":"neutral","sentiment_score":0.050447755058606464}],"sentiment":"neutral","sentiment_score":0.050447755058606464,"channel":0,"num_words":15,"start":17.165,"end":20.305},{"sentences":[{"text":"Yep.","start":20.575,"end":21.075,"sentiment":"neutral","sentiment_score":0.08549374341964722}],"sentiment":"neutral","sentiment_score":0.08549374341964722,"channel":1,"num_words":1,"start":20.575,"end":21.075},{"sentences":[{"text":"Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":21.244999,"end":25.805,"sentiment":"neutral","sentiment_score":0.07313396005580823},{"text":"Are you happy for me to proceed with that?","start":25.805,"end":27.825,"sentiment":"neutral","sentiment_score":0.12748456994692484}],"sentiment":"neutral","sentiment_score":0.0879568536624764,"channel":0,"num_words":33,"start":21.244999,"end":27.825},{"sentences":[{"text":"Yeah.","start":27.695,"end":28.175,"sentiment":"neutral","sentiment_score":0.06284702569246292},{"text":"No worries.","start":28.175,"end":28.835,"sentiment":"neutral","sentiment_score":0.14890583604574203}],"sentiment":"neutral","sentiment_score":0.12021956592798233,"channel":1,"num_words":3,"start":27.695,"end":28.835},{"sentences":[{"text":"Fantastic.","start":29.400002,"end":29.880001,"sentiment":"positive","sentiment_score":0.40714478492736816},{"text":"And just to do security, I am discussing your personal information.","start":29.880001,"end":32.760002,"sentiment":"neutral","sentiment_score":0.17489310828122226},{"text":"So I'll get you to confirm your full name, your date of birth, and address I should have on file.","start":32.760002,"end":36.62,"sentiment":"neutral","sentiment_score":0.13635087423026562}],"sentiment":"neutral","sentiment_score":0.15806207689456642,"channel":0,"num_words":32,"start":29.400002,"end":36.62},{"sentences":[{"text":"It's Gregory Thomas Needham.","start":36.98,"end":38.66,"sentiment":"neutral","sentiment_score":0.04411318525671959},{"text":"'6 to 12/1975.","start":38.66,"end":40.6,"sentiment":"neutral","sentiment_score":0.023068184033036232},{"text":"50 Drayton Street, Ellora, Queensland","start":40.899998,"end":43.175,"sentiment":"neutral","sentiment_score":0.028615207225084306}],"sentiment":"neutral","sentiment_score":0.03239444410428405,"channel":1,"num_words":12,"start":36.98,"end":43.175},{"sentences":[{"text":"Yep.","start":43.015,"end":43.255,"sentiment":"neutral","sentiment_score":0.03233914449810982},{"text":"Yep.","start":43.255,"end":43.755,"sentiment":"neutral","sentiment_score":0.026364168152213097}],"sentiment":"neutral","sentiment_score":0.029351656325161457,"channel":0,"num_words":2,"start":43.015,"end":43.755},{"sentences":[{"text":"244362.","start":43.395,"end":45.495,"sentiment":"neutral","sentiment_score":0.03783225268125534}],"sentiment":"neutral","sentiment_score":0.03783225268125534,"channel":1,"num_words":1,"start":43.395,"end":45.495},{"sentences":[{"text":"Beautiful.","start":45.895,"end":46.375,"sentiment":"positive","sentiment_score":0.517205536365509},{"text":"Thank you so much for that.","start":46.375,"end":48.075,"sentiment":"positive","sentiment_score":0.6536579628785452},{"text":"So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all?","start":48.375,"end":55.835,"sentiment":"neutral","sentiment_score":0.14572867337200376}],"sentiment":"neutral","sentiment_score":0.22524152453555618,"channel":0,"num_words":43,"start":45.895,"end":55.835},{"sentences":[{"text":"No.","start":56.114998,"end":56.515,"sentiment":"neutral","sentiment_score":-0.04153229296207428},{"text":"Everything looks we'll call it as going pretty good.","start":56.515,"end":58.46,"sentiment":"neutral","sentiment_score":0.11161108170118597},{"text":"So","start":58.46,"end":58.96,"sentiment":"neutral","sentiment_score":0.10597570240497588}],"sentiment":"neutral","sentiment_score":0.0971766495230523,"channel":1,"num_words":11,"start":56.114998,"end":58.96},{"sentences":[{"text":"Yeah.","start":59.07,"end":59.57,"sentiment":"neutral","sentiment_score":0.267828106880188},{"text":"Fantastic.","start":59.71,"end":60.21,"sentiment":"positive","sentiment_score":0.41288885474205017},{"text":"Well, I'll jump in and give you an update on your super to start with.","start":60.75,"end":63.63,"sentiment":"neutral","sentiment_score":0.26564622422059375},{"text":"So having a bit of a","start":63.63,"end":64.59,"sentiment":"neutral","sentiment_score":0.15470468252897263}],"sentiment":"neutral","sentiment_score":0.24320167043934698,"channel":0,"num_words":23,"start":59.07,"end":64.59},{"sentences":[{"text":"yep.","start":64.55,"end":65.05,"sentiment":"neutral","sentiment_score":0.08708701282739639}],"sentiment":"neutral","sentiment_score":0.08708701282739639,"channel":1,"num_words":1,"start":64.55,"end":65.05},{"sentences":[{"text":"look at things, your super has been doing really, really well this year.","start":64.59,"end":68.13,"sentiment":"positive","sentiment_score":0.3784624831034587},{"text":"I'm just pulling up the report.","start":68.625,"end":69.98499,"sentiment":"neutral","sentiment_score":0.029030334514876206},{"text":"I'm so sorry.","start":69.98499,"end":70.704994,"sentiment":"neutral","sentiment_score":-0.11151042332251866},{"text":"The report just dropped out","start":70.704994,"end":71.905,"sentiment":"neutral","sentiment_score":-0.13241248577833176}],"sentiment":"neutral","sentiment_score":0.15176298476203723,"channel":0,"num_words":27,"start":64.59,"end":71.905},{"sentences":[{"text":"That's","start":71.875,"end":72.375,"sentiment":"neutral","sentiment_score":-0.13217370212078094}],"sentiment":"neutral","sentiment_score":-0.13217370212078094,"channel":1,"num_words":1,"start":71.875,"end":72.375},{"sentences":[{"text":"on me.","start":71.905,"end":72.48499,"sentiment":"neutral","sentiment_score":-0.11443725973367691}],"sentiment":"neutral","sentiment_score":-0.11443725973367691,"channel":0,"num_words":2,"start":71.905,"end":72.48499},{"sentences":[{"text":"alright.","start":72.915,"end":73.415,"sentiment":"neutral","sentiment_score":-0.017472995445132256}],"sentiment":"neutral","sentiment_score":-0.017472995445132256,"channel":1,"num_words":1,"start":72.915,"end":73.415},{"sentences":[{"text":"Gotta love computers and technology when it wants to actually work.","start":73.905,"end":77.125,"sentiment":"neutral","sentiment_score":0.06808353012258356}],"sentiment":"neutral","sentiment_score":0.06808353012258356,"channel":0,"num_words":11,"start":73.905,"end":77.125},{"sentences":[{"text":"Yeah.","start":77.314995,"end":77.814995,"sentiment":"neutral","sentiment_score":-0.002106119878590107},{"text":"Yeah.","start":78.515,"end":78.595,"sentiment":"neutral","sentiment_score":-0.0018009236082434654},{"text":"Go ahead.","start":78.595,"end":79.075,"sentiment":"neutral","sentiment_score":-0.01179919671267271},{"text":"Why, ain't it?","start":79.075,"end":80.134995,"sentiment":"neutral","sentiment_score":-0.11543460190296173}],"sentiment":"neutral","sentiment_score":-0.05340132037443774,"channel":1,"num_words":7,"start":77.314995,"end":80.134995},{"sentences":[{"text":"That's exactly right.","start":80.30499,"end":81.765,"sentiment":"neutral","sentiment_score":-0.027385301887989044},{"text":"But, no, look, honestly, looking 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there.","start":89.33,"end":93.43,"sentiment":"neutral","sentiment_score":-0.14094513778885207}],"sentiment":"neutral","sentiment_score":-0.04802297468164137,"channel":0,"num_words":28,"start":85.73,"end":93.43},{"sentences":[{"text":"Yep.","start":93.3975,"end":93.8975,"sentiment":"neutral","sentiment_score":-0.0782770961523056}],"sentiment":"neutral","sentiment_score":-0.0782770961523056,"channel":1,"num_words":1,"start":93.3975,"end":93.8975},{"sentences":[{"text":"Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there.","start":93.49,"end":99.935,"sentiment":"neutral","sentiment_score":-0.2349271203080813},{"text":"That was kinda when we saw one of the 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for?","start":113.79,"end":115.97,"sentiment":"neutral","sentiment_score":0.07781938794586393}],"sentiment":"neutral","sentiment_score":0.2593744458364589,"channel":0,"num_words":28,"start":108.895,"end":115.97},{"sentences":[{"text":"Probably at ten months now, I think.","start":116.61,"end":118.229996,"sentiment":"neutral","sentiment_score":0.022002441276397024}],"sentiment":"neutral","sentiment_score":0.022002441276397024,"channel":1,"num_words":7,"start":116.61,"end":118.229996},{"sentences":[{"text":"Yeah.","start":118.59,"end":119.09,"sentiment":"neutral","sentiment_score":0.16817107796669006},{"text":"Fantastic.","start":119.15,"end":119.65,"sentiment":"positive","sentiment_score":0.44238317012786865},{"text":"And you're enjoying it 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underperforming a little bit there.","start":170.26999,"end":177.65,"sentiment":"neutral","sentiment_score":-0.2358405276619155}],"sentiment":"neutral","sentiment_score":-0.2358405276619155,"channel":0,"num_words":29,"start":170.26999,"end":177.65},{"sentences":[{"text":"Yep.","start":177.81,"end":178.31,"sentiment":"neutral","sentiment_score":-0.04846946522593498}],"sentiment":"neutral","sentiment_score":-0.04846946522593498,"channel":1,"num_words":1,"start":177.81,"end":178.31},{"sentences":[{"text":"You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio 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would","start":196.9,"end":197.45999,"sentiment":"neutral","sentiment_score":-0.16617623964945474}],"sentiment":"neutral","sentiment_score":-0.0136777521356156,"channel":0,"num_words":38,"start":188.565,"end":197.45999},{"sentences":[{"text":"Yep.","start":197.33,"end":197.83,"sentiment":"neutral","sentiment_score":-0.13211850821971893}],"sentiment":"neutral","sentiment_score":-0.13211850821971893,"channel":1,"num_words":1,"start":197.33,"end":197.83},{"sentences":[{"text":"like to maybe do is look at replacing that with something else.","start":197.45999,"end":200.6,"sentiment":"neutral","sentiment_score":-0.24465021739403406},{"text":"It's kind of underperforming still at the moment.","start":200.74,"end":202.98,"sentiment":"negative","sentiment_score":-0.5253861285746098},{"text":"I don't think there's any point in keeping it there.","start":202.98,"end":205.56,"sentiment":"negative","sentiment_score":-0.47614450827240945},{"text":"I'd love to maybe look at taking that out for you 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goals.","start":227.13,"end":234.015,"sentiment":"positive","sentiment_score":0.5570653728567637},{"text":"Okay?","start":234.155,"end":234.655,"sentiment":"neutral","sentiment_score":0.2512720823287964},{"text":"Yeah.","start":235.75499,"end":236.25499,"sentiment":"positive","sentiment_score":0.3961213827133178},{"text":"Beautiful.","start":236.47499,"end":236.97499,"sentiment":"positive","sentiment_score":0.6872750520706177},{"text":"With the, the way investments work and the way you can be invested, there are a couple of different 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managers.","start":262.815,"end":266.915,"sentiment":"neutral","sentiment_score":-0.1312030250472682},{"text":"Alternatively, we can look at something a bit more passive.","start":267.29498,"end":269.935,"sentiment":"neutral","sentiment_score":0.05094428723677993},{"text":"So passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform.","start":269.935,"end":277.08,"sentiment":"neutral","sentiment_score":0.1446014914823615}],"sentiment":"neutral","sentiment_score":0.016989837411198427,"channel":0,"num_words":88,"start":249.76,"end":277.08},{"sentences":[{"text":"They're just participating.","start":277.08,"end":278.13998,"sentiment":"neutral","sentiment_score":0.2725572536389033},{"text":"It can be a cheaper way to invest, and over the longer term can provide greater returns.","start":278.19998,"end":283.0,"sentiment":"positive","sentiment_score":0.4232299871304456},{"text":"Did you want me to look at something passive, or did you still wanna have that active management in there?","start":283.0,"end":287.44498,"sentiment":"neutral","sentiment_score":0.047891156002879146},{"text":"Or","start":287.44498,"end":287.94498,"sentiment":"neutral","sentiment_score":-0.003742363303899765}],"sentiment":"neutral","sentiment_score":0.21869908046068215,"channel":0,"num_words":41,"start":277.08,"end":287.94498},{"sentences":[{"text":"No.","start":289.21002,"end":289.61002,"sentiment":"neutral","sentiment_score":-0.11606380343437196},{"text":"We probably give the passive a passive a try.","start":289.61002,"end":292.325,"sentiment":"neutral","sentiment_score":-0.016336950576967664},{"text":"I'll see how it goes, I 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fantastic.","start":323.965,"end":326.465,"sentiment":"positive","sentiment_score":0.7617765739560127}],"sentiment":"positive","sentiment_score":0.698691439628601,"channel":0,"num_words":20,"start":316.605,"end":326.465},{"sentences":[{"text":"When you think about your super, have you look at your circumstances at the moment.","start":327.085,"end":330.81998,"sentiment":"neutral","sentiment_score":0.1173557053009669},{"text":"Now you're 51 this year.","start":330.81998,"end":332.41998,"sentiment":"neutral","sentiment_score":0.043860066682100296},{"text":"Is that right?","start":332.41998,"end":333.31998,"sentiment":"neutral","sentiment_score":0.08313252280155818},{"text":"Yeah.","start":334.81998,"end":335.22,"sentiment":"neutral","sentiment_score":0.12774112820625305},{"text":"Look.","start":335.22,"end":335.53998,"sentiment":"neutral","sentiment_score":0.2592121362686157}],"sentiment":"neutral","sentiment_score":0.10463946983218193,"channel":0,"num_words":25,"start":327.085,"end":335.53998},{"sentences":[{"text":"That's a positive.","start":335.53998,"end":336.36,"sentiment":"positive","sentiment_score":0.5120258529980978},{"text":"You're getting you you don't think of it as a bad thing.","start":336.41998,"end":338.9,"sentiment":"positive","sentiment_score":0.386357843875885},{"text":"You're getting closer to being able to access your super, which is a 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additional?","start":449.05,"end":453.55,"sentiment":"neutral","sentiment_score":-0.002717406695915593}],"sentiment":"neutral","sentiment_score":-0.0006044417748163485,"channel":0,"num_words":29,"start":441.93,"end":453.55},{"sentences":[{"text":"No.","start":454.07,"end":454.22998,"sentiment":"neutral","sentiment_score":-0.07141311466693878},{"text":"No.","start":454.22998,"end":454.47,"sentiment":"neutral","sentiment_score":-0.0727965384721756},{"text":"It's down about $3.03 26 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tracking?","start":466.105,"end":470.38,"sentiment":"neutral","sentiment_score":0.05350222780058781}],"sentiment":"neutral","sentiment_score":0.12219846136868,"channel":0,"num_words":45,"start":458.665,"end":470.38},{"sentences":[{"text":"Yeah.","start":470.60498,"end":470.925,"sentiment":"neutral","sentiment_score":0.024853795766830444},{"text":"We should have the way the way it's sort of looking, but","start":470.925,"end":473.745,"sentiment":"neutral","sentiment_score":0.011502052502085766}],"sentiment":"neutral","sentiment_score":0.012529109676296894,"channel":1,"num_words":13,"start":470.60498,"end":473.745},{"sentences":[{"text":"Yep.","start":474.04,"end":474.54,"sentiment":"neutral","sentiment_score":0.07600822299718857}],"sentiment":"neutral","sentiment_score":0.07600822299718857,"channel":0,"num_words":1,"start":474.04,"end":474.54},{"sentences":[{"text":"I suppose it's all 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moment to sort of make sure everything's tracking alright then.","start":477.27,"end":483.61002,"sentiment":"neutral","sentiment_score":0.050998474087785274}],"sentiment":"neutral","sentiment_score":0.050998474087785274,"channel":1,"num_words":17,"start":477.27,"end":483.61002},{"sentences":[{"text":"Yeah.","start":483.57498,"end":484.055,"sentiment":"neutral","sentiment_score":0.08900579810142517},{"text":"Completely understandable.","start":484.055,"end":485.35498,"sentiment":"neutral","sentiment_score":0.17770644277334213},{"text":"And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment?","start":485.57498,"end":491.675,"sentiment":"neutral","sentiment_score":0.11845536359275381}],"sentiment":"neutral","sentiment_score":0.12175360777311856,"channel":0,"num_words":27,"start":483.57498,"end":491.675},{"sentences":[{"text":"Yep.","start":491.935,"end":492.435,"sentiment":"neutral","sentiment_score":0.062403395771980286}],"sentiment":"neutral","sentiment_score":0.062403395771980286,"channel":1,"num_words":1,"start":491.935,"end":492.435},{"sentences":[{"text":"Yeah.","start":493.11002,"end":493.43,"sentiment":"neutral","sentiment_score":0.16062957048416138},{"text":"Fantastic.","start":493.43,"end":493.93,"sentiment":"positive","sentiment_score":0.33729153871536255},{"text":"All good.","start":494.47,"end":495.21,"sentiment":"neutral","sentiment_score":0.30292654037475586},{"text":"The other thing I have done here now, I've also got noted that you've got three kids at 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good.","start":534.35504,"end":535.175,"sentiment":"positive","sentiment_score":0.7265707850456238},{"text":"And I've got down here that you're still married.","start":535.47504,"end":537.495,"sentiment":"neutral","sentiment_score":0.17414017187224495},{"text":"I've got your wife down, Helen, as your next of kin.","start":537.715,"end":541.23505,"sentiment":"neutral","sentiment_score":0.13912549479441208},{"text":"You're still comfortable with that 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beneficiary.","start":547.62,"end":551.08,"sentiment":"neutral","sentiment_score":0.1385297973950704},{"text":"So in the event of passing away, your super is paid out to her at a 100%.","start":551.22,"end":555.48,"sentiment":"neutral","sentiment_score":0.1514150355668629}],"sentiment":"neutral","sentiment_score":0.17244782990642957,"channel":0,"num_words":42,"start":544.02,"end":555.48},{"sentences":[{"text":"Yep.","start":555.875,"end":556.375,"sentiment":"neutral","sentiment_score":0.12313906848430634}],"sentiment":"neutral","sentiment_score":0.12313906848430634,"channel":1,"num_words":1,"start":555.875,"end":556.375},{"sentences":[{"text":"The good thing about this beneficiary is it's finding non lapsing.","start":556.065,"end":558.78503,"sentiment":"neutral","sentiment_score":0.3239244060082869},{"text":"So that meant you only filled out one form.","start":558.78503,"end":560.625,"sentiment":"neutral","sentiment_score":0.2411985927157932},{"text":"It doesn't have to be done again 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super, you are paying for your insurance cover with Clearview.","start":574.84,"end":577.96,"sentiment":"neutral","sentiment_score":0.025159240700304508}],"sentiment":"neutral","sentiment_score":0.0866960158704647,"channel":0,"num_words":28,"start":569.32,"end":577.96},{"sentences":[{"text":"You've got your life, your TPD, your income protection there.","start":577.96,"end":581.02,"sentiment":"neutral","sentiment_score":0.03477999288588762}],"sentiment":"neutral","sentiment_score":0.03477999288588762,"channel":0,"num_words":10,"start":577.96,"end":581.02},{"sentences":[{"text":"Yep.","start":581.225,"end":581.725,"sentiment":"neutral","sentiment_score":0.02586712501943111}],"sentiment":"neutral","sentiment_score":0.02586712501943111,"channel":1,"num_words":1,"start":581.225,"end":581.725},{"sentences":[{"text":"With your life cover, just to double check, do you understand how those insurances 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out, it's roughly between your super and your life cover about 767,000 there, which when","start":640.835,"end":648.835,"sentiment":"neutral","sentiment_score":0.039119251210380485}],"sentiment":"neutral","sentiment_score":0.0546065212537845,"channel":0,"num_words":30,"start":638.995,"end":648.835},{"sentences":[{"text":"Yep.","start":648.83,"end":649.33,"sentiment":"neutral","sentiment_score":0.024684827774763107}],"sentiment":"neutral","sentiment_score":0.024684827774763107,"channel":1,"num_words":1,"start":648.83,"end":649.33},{"sentences":[{"text":"we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted.","start":648.835,"end":655.25,"sentiment":"neutral","sentiment_score":0.006656622391586241},{"text":"Do you have any other loans or credit cards or anything big that would need to be paid off with the last 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good.","start":686.95996,"end":687.77997,"sentiment":"positive","sentiment_score":0.5721697211265564},{"text":"With the TPD, now total permanent disability, you are still living.","start":688.48,"end":692.135,"sentiment":"neutral","sentiment_score":0.08026449551636522},{"text":"So a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house.","start":692.755,"end":704.695,"sentiment":"neutral","sentiment_score":0.03853221198445872}],"sentiment":"neutral","sentiment_score":0.0779873222255936,"channel":0,"num_words":52,"start":685.68,"end":704.695},{"sentences":[{"text":"Yep.","start":705.05,"end":705.55,"sentiment":"neutral","sentiment_score":0.1351267397403717}],"sentiment":"neutral","sentiment_score":0.1351267397403717,"channel":1,"num_words":1,"start":705.05,"end":705.55},{"sentences":[{"text":"You have the same level of 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a bit scared of what they're gonna find when they start pulling all that stuff apart.","start":1181.295,"end":1186.995,"sentiment":"negative","sentiment_score":-0.41034370389851654}],"sentiment":"negative","sentiment_score":-0.41034370389851654,"channel":0,"num_words":22,"start":1181.295,"end":1186.995},{"sentences":[{"text":"Yeah.","start":1187.4401,"end":1187.9401,"sentiment":"neutral","sentiment_score":-0.11575736850500108},{"text":"That's the biggest thing when you when you 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you.","start":1592.5,"end":1597.155,"sentiment":"neutral","sentiment_score":0.12214549796448813},{"text":"It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super.","start":1597.155,"end":1604.675,"sentiment":"neutral","sentiment_score":0.07505245640873909},{"text":"So when your super is doing really well, it does mean our fee increases slightly.","start":1604.675,"end":1608.4551,"sentiment":"neutral","sentiment_score":0.056139852354923886}],"sentiment":"neutral","sentiment_score":0.092021979285138,"channel":0,"num_words":70,"start":1589.06,"end":1608.4551},{"sentences":[{"text":"However,","start":1608.675,"end":1609.0751,"sentiment":"neutral","sentiment_score":0.025034401565790176}],"sentiment":"neutral","sentiment_score":0.025034401565790176,"channel":0,"num_words":1,"start":1608.675,"end":1609.0751},{"sentences":[{"text":"Yep.","start":1608.745,"end":1608.985,"sentiment":"neutral","sentiment_score":0.04690791293978691},{"text":"Yes.","start":1608.985,"end":1609.485,"sentiment":"neutral","sentiment_score":0.0757121816277504}],"sentiment":"neutral","sentiment_score":0.061310047283768654,"channel":1,"num_words":2,"start":1608.745,"end":1609.485},{"sentences":[{"text":"as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you.","start":1609.0751,"end":1614.11,"sentiment":"neutral","sentiment_score":0.0599839198200599}],"sentiment":"neutral","sentiment_score":0.0599839198200599,"channel":0,"num_words":23,"start":1609.0751,"end":1614.11},{"sentences":[{"text":"Yeah.","start":1613.74,"end":1614.0599,"sentiment":"neutral","sentiment_score":0.03598363324999809},{"text":"Okay.","start":1614.0599,"end":1614.54,"sentiment":"neutral","sentiment_score":0.04191675782203674},{"text":"Yep.","start":1614.54,"end":1615.04,"sentiment":"neutral","sentiment_score":0.048862602561712265}],"sentiment":"neutral","sentiment_score":0.04225433121124903,"channel":1,"num_words":3,"start":1613.74,"end":1615.04},{"sentences":[{"text":"Okay.","start":1615.13,"end":1615.29,"sentiment":"neutral","sentiment_score":0.05358664318919182}],"sentiment":"neutral","sentiment_score":0.05358664318919182,"channel":0,"num_words":1,"start":1615.13,"end":1615.29},{"sentences":[{"text":"Alright.","start":1615.26,"end":1615.76,"sentiment":"neutral","sentiment_score":0.062114417552948}],"sentiment":"neutral","sentiment_score":0.062114417552948,"channel":1,"num_words":1,"start":1615.26,"end":1615.76},{"sentences":[{"text":"Yeah.","start":1615.29,"end":1615.77,"sentiment":"neutral","sentiment_score":0.04299724102020264},{"text":"Did you have any questions about the ongoing service fee or how that works at all?","start":1615.77,"end":1620.03,"sentiment":"neutral","sentiment_score":0.023251395032275468}],"sentiment":"neutral","sentiment_score":0.02441291538450648,"channel":0,"num_words":17,"start":1615.29,"end":1620.03},{"sentences":[{"text":"No.","start":1620.22,"end":1620.72,"sentiment":"neutral","sentiment_score":-0.06578408181667328}],"sentiment":"neutral","sentiment_score":-0.06578408181667328,"channel":1,"num_words":1,"start":1620.22,"end":1620.72},{"sentences":[{"text":"No?","start":1621.37,"end":1621.87,"sentiment":"neutral","sentiment_score":-0.027731990441679955},{"text":"Beautiful.","start":1621.93,"end":1622.43,"sentiment":"positive","sentiment_score":0.4103829860687256},{"text":"Beautiful.","start":1622.73,"end":1623.23,"sentiment":"positive","sentiment_score":0.4580511450767517},{"text":"I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well.","start":1623.93,"end":1632.515,"sentiment":"neutral","sentiment_score":0.21780497361631954},{"text":"Let me know if there's any","start":1632.515,"end":1633.315,"sentiment":"neutral","sentiment_score":0.10848456124464671}],"sentiment":"neutral","sentiment_score":0.20690647932852424,"channel":0,"num_words":43,"start":1621.37,"end":1633.315},{"sentences":[{"text":"Yep.","start":1633.2849,"end":1633.7849,"sentiment":"neutral","sentiment_score":0.06552883982658386}],"sentiment":"neutral","sentiment_score":0.06552883982658386,"channel":1,"num_words":1,"start":1633.2849,"end":1633.7849},{"sentences":[{"text":"questions in relation to any of those.","start":1633.315,"end":1635.255,"sentiment":"neutral","sentiment_score":0.0742148512176105}],"sentiment":"neutral","sentiment_score":0.0742148512176105,"channel":0,"num_words":7,"start":1633.315,"end":1635.255},{"sentences":[{"text":"Yep.","start":1634.78,"end":1635.28,"sentiment":"neutral","sentiment_score":0.08271464705467224}],"sentiment":"neutral","sentiment_score":0.08271464705467224,"channel":1,"num_words":1,"start":1634.78,"end":1635.28},{"sentences":[{"text":"And there might also just be, like, a tax file opt in form as well.","start":1635.635,"end":1638.595,"sentiment":"neutral","sentiment_score":0.11793022851149242},{"text":"We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well.","start":1638.595,"end":1647.09,"sentiment":"neutral","sentiment_score":0.1452925252478297},{"text":"Okay?","start":1647.09,"end":1647.59,"sentiment":"neutral","sentiment_score":0.08037817478179932}],"sentiment":"neutral","sentiment_score":0.13695307258974043,"channel":0,"num_words":57,"start":1635.635,"end":1647.59},{"sentences":[{"text":"Yep.","start":1647.26,"end":1647.4199,"sentiment":"neutral","sentiment_score":0.08570918440818787},{"text":"Yep.","start":1647.4199,"end":1647.5,"sentiment":"neutral","sentiment_score":0.10129386186599731},{"text":"Yep.","start":1647.5,"end":1648.0,"sentiment":"neutral","sentiment_score":0.1577022671699524},{"text":"Not a problem.","start":1648.0599,"end":1648.88,"sentiment":"neutral","sentiment_score":0.3255887031555176}],"sentiment":"neutral","sentiment_score":0.2202452371517817,"channel":1,"num_words":6,"start":1647.26,"end":1648.88},{"sentences":[{"text":"Yeah.","start":1648.53,"end":1649.03,"sentiment":"positive","sentiment_score":0.4026077687740326},{"text":"All good.","start":1649.49,"end":1650.05,"sentiment":"positive","sentiment_score":0.5527864694595337},{"text":"Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg?","start":1650.05,"end":1655.35,"sentiment":"neutral","sentiment_score":0.13629020160684982}],"sentiment":"neutral","sentiment_score":0.17700539060212947,"channel":0,"num_words":27,"start":1648.53,"end":1655.35},{"sentences":[{"text":"No.","start":1655.765,"end":1656.005,"sentiment":"neutral","sentiment_score":-0.013998698443174362},{"text":"I don't think I think I've been covered.","start":1656.005,"end":1658.025,"sentiment":"neutral","sentiment_score":-0.25499409530311823}],"sentiment":"neutral","sentiment_score":-0.22821682898534668,"channel":1,"num_words":9,"start":1655.765,"end":1658.025},{"sentences":[{"text":"Yep.","start":1658.785,"end":1659.285,"sentiment":"positive","sentiment_score":0.33891552686691284},{"text":"Beautiful.","start":1659.345,"end":1659.845,"sentiment":"positive","sentiment_score":0.7343214750289917},{"text":"Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know.","start":1660.145,"end":1664.385,"sentiment":"neutral","sentiment_score":0.23851733051595234},{"text":"In the meantime,","start":1664.385,"end":1665.105,"sentiment":"neutral","sentiment_score":0.09501540909210841}],"sentiment":"neutral","sentiment_score":0.2448902757695088,"channel":0,"num_words":26,"start":1658.785,"end":1665.105},{"sentences":[{"text":"Yep.","start":1664.7101,"end":1665.2101,"sentiment":"neutral","sentiment_score":0.11685945838689804}],"sentiment":"neutral","sentiment_score":0.11685945838689804,"channel":1,"num_words":1,"start":1664.7101,"end":1665.2101},{"sentences":[{"text":"we'll get the annual review pack out to you in the next sort of twenty four hours.","start":1665.105,"end":1668.225,"sentiment":"neutral","sentiment_score":0.20776976513511994},{"text":"If you can just sign and return it back,","start":1668.225,"end":1669.92,"sentiment":"neutral","sentiment_score":0.13356059624089134}],"sentiment":"neutral","sentiment_score":0.18208197590250236,"channel":0,"num_words":26,"start":1665.105,"end":1669.92},{"sentences":[{"text":"Yep.","start":1670.2301,"end":1670.7301,"sentiment":"neutral","sentiment_score":0.11335711181163788}],"sentiment":"neutral","sentiment_score":0.11335711181163788,"channel":1,"num_words":1,"start":1670.2301,"end":1670.7301},{"sentences":[{"text":"and I'll get stuck into reviewing your portfolio and updating the advice for you.","start":1670.4,"end":1674.4,"sentiment":"neutral","sentiment_score":0.25700599380901884},{"text":"We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do.","start":1674.4,"end":1679.86,"sentiment":"neutral","sentiment_score":0.22849488196273646},{"text":"Okay?","start":1679.92,"end":1680.42,"sentiment":"neutral","sentiment_score":0.1401287168264389}],"sentiment":"neutral","sentiment_score":0.236463840955343,"channel":0,"num_words":39,"start":1670.4,"end":1680.42},{"sentences":[{"text":"No worries.","start":1680.3251,"end":1680.965,"sentiment":"neutral","sentiment_score":0.2210736721754074},{"text":"Okay.","start":1680.965,"end":1681.465,"sentiment":"positive","sentiment_score":0.3420029282569885}],"sentiment":"neutral","sentiment_score":0.26138342420260113,"channel":1,"num_words":3,"start":1680.3251,"end":1681.465},{"sentences":[{"text":"Easy.","start":1682.255,"end":1682.7351,"sentiment":"positive","sentiment_score":0.5484852194786072},{"text":"Thank you so much for your time.","start":1682.7351,"end":1684.0951,"sentiment":"positive","sentiment_score":0.8490076490810939},{"text":"I really appreciate it.","start":1684.0951,"end":1685.2151,"sentiment":"positive","sentiment_score":0.8682565093040466},{"text":"I hope you have a lovely day.","start":1685.2151,"end":1686.9951,"sentiment":"positive","sentiment_score":0.8306413463183812}],"sentiment":"positive","sentiment_score":0.8304765381311116,"channel":0,"num_words":19,"start":1682.255,"end":1686.9951},{"sentences":[{"text":"No worries.","start":1687.125,"end":1687.685,"sentiment":"positive","sentiment_score":0.4114745855331421},{"text":"You too.","start":1687.685,"end":1688.345,"sentiment":"positive","sentiment_score":0.4437190741300583}],"sentiment":"positive","sentiment_score":0.4275968298316002,"channel":1,"num_words":4,"start":1687.125,"end":1688.345},{"sentences":[{"text":"Alright.","start":1688.7351,"end":1689.2151,"sentiment":"neutral","sentiment_score":0.32009977102279663},{"text":"Thanks, Greg.","start":1689.2151,"end":1689.935,"sentiment":"positive","sentiment_score":0.6073853969573975}],"sentiment":"positive","sentiment_score":0.5116235216458639,"channel":0,"num_words":3,"start":1688.7351,"end":1689.935},{"sentences":[{"text":"Okay.","start":1689.631,"end":1690.131,"sentiment":"positive","sentiment_score":0.44361767172813416}],"sentiment":"positive","sentiment_score":0.44361767172813416,"channel":1,"num_words":1,"start":1689.631,"end":1690.131},{"sentences":[{"text":"See you.","start":1689.935,"end":1690.675,"sentiment":"positive","sentiment_score":0.44577765464782715}],"sentiment":"positive","sentiment_score":0.44577765464782715,"channel":0,"num_words":2,"start":1689.935,"end":1690.675},{"sentences":[{"text":"Okay.","start":1690.1909,"end":1690.6909,"sentiment":"neutral","sentiment_score":0.1769525408744812},{"text":"Bye.","start":1690.751,"end":1691.251,"sentiment":"neutral","sentiment_score":0.20831644535064697}],"sentiment":"neutral","sentiment_score":0.1926344931125641,"channel":1,"num_words":2,"start":1690.1909,"end":1691.251},{"sentences":[{"text":"Bye.","start":1690.895,"end":1691.395,"sentiment":"neutral","sentiment_score":-0.1115337535738945}],"sentiment":"neutral","sentiment_score":-0.1115337535738945,"channel":0,"num_words":1,"start":1690.895,"end":1691.395}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers to discuss their annual reviews and investment portfolios. They reassess risk levels, asset allocation, and retirement goals, and provide information on benefits of life cover and expenses. The representatives also discuss coverage, retirement plans, and risk profiles, and offer to book follow-up catch-ups and update portfolios. The representatives emphasize the importance of regular catch-ups and offer to provide a review and update portfolios in a couple of weeks."},"intents":{"segments":[{"text":"And just to do security, I am discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. It's Gregory Thomas Needham. '6 to 12/1975. 50 Drayton Street, Ellora, Queensland Yep.","start_word":102,"end_word":145,"intents":[{"intent":"Discuss security information","confidence_score":0.0018635825}]},{"text":"Well, I'll jump in and give you an update on your super to start with.","start_word":204,"end_word":218,"intents":[{"intent":"Update super","confidence_score":0.1152801}]},{"text":"When we look at the performance after fees, so net, you've made a 9.08 percent return. So it's good to see a positive return there. Yep.","start_word":456,"end_word":481,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.1866734}]},{"text":"I'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio. Are you open to me doing that for you? Yep.","start_word":674,"end_word":715,"intents":[{"intent":"Evaluate performance","confidence_score":0.019364992}]},{"text":"It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals. So Yeah.","start_word":720,"end_word":748,"intents":[{"intent":"Review portfolio","confidence_score":0.041127898}]},{"text":"Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market?","start_word":817,"end_word":845,"intents":[{"intent":"Compare funds","confidence_score":0.00059054216}]},{"text":"I'll have a look at the options. I've got a few options that we can swap it out with and have a look at for you.","start_word":965,"end_word":990,"intents":[{"intent":"Assess options","confidence_score":0.04382144},{"intent":"Explore options","confidence_score":0.019865515}]},{"text":"I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are. Does that sound okay?","start_word":996,"end_word":1043,"intents":[{"intent":"Assess investments","confidence_score":0.75399625},{"intent":"Adjust and come with advice document","confidence_score":0.000017273775}]},{"text":"You're getting closer to being able to access your super, which is a great Yeah.","start_word":1107,"end_word":1121,"intents":[{"intent":"Access super super","confidence_score":0.58420765}]},{"text":"Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65. Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier? No.","start_word":1142,"end_word":1186,"intents":[{"intent":"Track goals","confidence_score":0.49062678}]},{"text":"And you were sorta hoping for, I believe, an income in retirement of about $800 per week. Are you still thinking that would be sufficient at the moment?","start_word":1216,"end_word":1243,"intents":[{"intent":"Assess income in retirement","confidence_score":0.0024705257}]},{"text":"I believe you purchased a home. I've got an asset value on that one. The last value we had noted was about 420,000. What kind of value would you put on the property now?","start_word":1296,"end_word":1329,"intents":[{"intent":"Assess asset value","confidence_score":0.20509553}]},{"text":"With your life cover, just to double check, do you understand how those insurances work? Do you did you have any questions about the cut the cover you have? Or No. Not really.","start_word":1839,"end_word":1871,"intents":[{"intent":"Confirm understanding of insurance coverage","confidence_score":0.08047221}]},{"text":"You've got a benefit amount of $574,005.62. Yep. You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there. So does that benefit amount cover what you are wanting to cover with regard to your goals? Did you wanna look at reviewing that benefit amount at all?","start_word":1934,"end_word":2001,"intents":[{"intent":"Review benefit amount","confidence_score":0.028767979}]},{"text":"So just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when Yep. we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted. Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover? No.","start_word":2019,"end_word":2089,"intents":[{"intent":"Discuss personal financial situation","confidence_score":0.00008774681}]},{"text":"This year, the premium that came out, I actually have it here. So you paid $4,694.86 from your super fund for that. So Yeah.","start_word":2406,"end_word":2429,"intents":[{"intent":"Discuss premium levels","confidence_score":0.0062479344}]},{"text":"So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you. Does that sound okay?","start_word":2435,"end_word":2490,"intents":[{"intent":"Discuss coverage levels","confidence_score":0.0051320717}]},{"text":"And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury. Yep.","start_word":2498,"end_word":2524,"intents":[{"intent":"Discuss benefits","confidence_score":0.032598715},{"intent":"Explain benefits","confidence_score":0.005334788},{"intent":"Discuss benefits","confidence_score":0.11862921}]},{"text":"The benefit amount that you're covered for is 3,350. Looking at 70% of your current income would mean you would need to be covered for 4,375. In saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for. Okay.","start_word":2660,"end_word":2706,"intents":[{"intent":"Determine coverage amount","confidence_score":0.014736869}]},{"text":"Does she bring in an income to the family, or are you just a sole Yeah.","start_word":2712,"end_word":2727,"intents":[{"intent":"Discuss family income","confidence_score":0.006118332}]},{"text":"I think we were pretty good with what she's doing. I'm sorry.","start_word":2808,"end_word":2819,"intents":[{"intent":"Express satisfaction with job performance","confidence_score":0.00030826926}]},{"text":"suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call. Let us know.","start_word":2859,"end_word":2903,"intents":[{"intent":"Request call","confidence_score":0.009823441}]},{"text":"at ninety days, we can get the claims paperwork submitted to start the claim for you. That way, it alleviates a large backlog and gets Yep. the claim processed as quickly as possible. And Okay.","start_word":2935,"end_word":2969,"intents":[{"intent":"Suggest insurance claim processing","confidence_score":0.010976138}]},{"text":"a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless. But we would certainly hope you wouldn't be off for that long.","start_word":2973,"end_word":3012,"intents":[{"intent":"Explain benefit period","confidence_score":0.0004883115}]},{"text":"So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right?","start_word":3019,"end_word":3042,"intents":[{"intent":"Review benefits and draw in excess","confidence_score":1.4907374e-7},{"intent":"Request further review","confidence_score":0.012440984}]},{"text":"So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right? Yeah.","start_word":3019,"end_word":3043,"intents":[{"intent":"Recommend leaving the cover","confidence_score":0.0010038505}]},{"text":"If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know. More than happy to make time to do so for you. Okay? Yeah.","start_word":3047,"end_word":3084,"intents":[{"intent":"Recommend reevauling levels","confidence_score":0.006425286}]},{"text":"And how do you find the expenditure wise?","start_word":3416,"end_word":3423,"intents":[{"intent":"Find expenditure","confidence_score":0.30041254}]},{"text":"that going on to the mortgage, like, reducing that offset?","start_word":3474,"end_word":3483,"intents":[{"intent":"Reduce offset","confidence_score":0.9194208}]},{"text":"on the house. Yep. Perfect. Lovely. Excellent. One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super. Is that something you're still looking at doing, or is that more just down the track once you've done the house renovations? And Yeah.","start_word":3504,"end_word":3564,"intents":[{"intent":"Do renovations in the house","confidence_score":0.0009872903}]},{"text":"One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super.","start_word":3511,"end_word":3540,"intents":[{"intent":"Focus on building super","confidence_score":0.75610393}]},{"text":"Just get a plumber in to do a little plumbing and Yep. and all that sort of stuff, but I can I can do the majority of it myself? Oh, fantastic.","start_word":3699,"end_word":3729,"intents":[{"intent":"Find plumber","confidence_score":0.00046441195}]},{"text":"The other thing with the estate planning is have you guys got a will to have attorney? Have you just sort of spoken about doing those up? Yeah.","start_word":3965,"end_word":3992,"intents":[{"intent":"Request attorney for estate planning","confidence_score":0.0043008127}]},{"text":"I'll have a bit of a review of your portfolio to see how you invested.","start_word":4117,"end_word":4131,"intents":[{"intent":"Review portfolio","confidence_score":0.78855675},{"intent":"Evaluate portfolio","confidence_score":0.0028982533}]},{"text":"So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well. Yeah.","start_word":4252,"end_word":4276,"intents":[{"intent":"Evaluate market fluctuations","confidence_score":0.011852114}]},{"text":"With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis. That's what you're sort of aiming for with this portfolio. So anything Yep. over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance.","start_word":4319,"end_word":4372,"intents":[{"intent":"Evaluate portfolio values","confidence_score":0.00026280744}]},{"text":"With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis. That's what you're sort of aiming for with this portfolio. So anything Yep. over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance. Yep.","start_word":4319,"end_word":4373,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.053328514}]},{"text":"over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance.","start_word":4350,"end_word":4372,"intents":[{"intent":"Express appreciation","confidence_score":0.0008096238}]},{"text":"And we do know with the ups and downs, you do feel the negative returns. We do see them every couple of years. It is expected in normal, and we can a negative return about one in every sort of five years at the moment. Yep.","start_word":4374,"end_word":4419,"intents":[{"intent":"Discuss downsides","confidence_score":0.00010981233}]},{"text":"Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things?","start_word":4442,"end_word":4469,"intents":[{"intent":"Change risk profile","confidence_score":0.382947}]},{"text":"Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things? No.","start_word":4442,"end_word":4470,"intents":[{"intent":"Manage portfolio","confidence_score":0.07831566}]},{"text":"So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance.","start_word":4487,"end_word":4507,"intents":[{"intent":"Balance growth","confidence_score":0.32537374}]},{"text":"So we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that. We wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage Yep.","start_word":4550,"end_word":4595,"intents":[{"intent":"Recover from downturn","confidence_score":0.102414936}]},{"text":"You're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes. So you can ask for me.","start_word":4654,"end_word":4687,"intents":[{"intent":"Inform about changes to structure","confidence_score":0.00044831997}]},{"text":"You do pay an ongoing service fee for having us here as well, so you mentally Yep. use me to your advantage.","start_word":4697,"end_word":4718,"intents":[{"intent":"Pay service fee","confidence_score":0.38611373}]},{"text":"free to give me a call. I'll book in a time that suits you to make sure we go through these sorts of things. Yep.","start_word":4749,"end_word":4773,"intents":[{"intent":"Request callback","confidence_score":0.002029754}]},{"text":"And down the track, we wanna do more catch ups with you as well.","start_word":4774,"end_word":4787,"intents":[{"intent":"Plan catch ups","confidence_score":0.024612958}]},{"text":"Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment?","start_word":4789,"end_word":4818,"intents":[{"intent":"Schedule catch ups","confidence_score":0.031249557}]},{"text":"So we don't Yep. just provide advice around super insurances. We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well.","start_word":5185,"end_word":5228,"intents":[{"intent":"Provide advice","confidence_score":0.3415221}]},{"text":"I'll add the ongoing service agreement in there as well. Now you do pay an ongoing service fee for our services for us looking after everything for you. It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super. So when your super is doing really well, it does mean our fee increases slightly. However, Yep.","start_word":5233,"end_word":5302,"intents":[{"intent":"Add service fee","confidence_score":0.044344973}]},{"text":"I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well. Let me know if there's any Yep. questions in relation to any of those. Yep.","start_word":5353,"end_word":5401,"intents":[{"intent":"Attach certificate","confidence_score":0.28124654}]},{"text":"And there might also just be, like, a tax file opt in form as well. We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well. Okay?","start_word":5402,"end_word":5458,"intents":[{"intent":"Inquire about tax file","confidence_score":0.00039554125}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Gregory. It's Dana again from Oakview Financial. Is now a better time there for you? Yep. Sure is.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.20352548360824585},{"text":"Fantastic. How's your morning been so fast?","start_word":20,"end_word":26,"sentiment":"positive","sentiment_score":0.4192577004432678},{"text":"Sounds busy. Very busy. Yeah. That that's okay. I was trying not to take up too much of your time. As Yep. I kinda mentioned, I had you booked in to go through an annual review there. Yep. Just before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. No worries.","start_word":27,"end_word":100,"sentiment":"neutral","sentiment_score":0.057543836534023285},{"text":"Fantastic.","start_word":101,"end_word":101,"sentiment":"positive","sentiment_score":0.40714478492736816},{"text":"And just to do security, I am discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. It's Gregory Thomas Needham. '6 to 12/1975. 50 Drayton Street, Ellora, Queensland Yep. Yep. 244362.","start_word":102,"end_word":147,"sentiment":"neutral","sentiment_score":0.0925016775727272},{"text":"Beautiful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.6190377473831177},{"text":"So before I jump into the call and go through anything, is there anything particular you wanted to ask me or anything you wanted me to touch on with regard to the annual review at all? No. Everything looks we'll call it as going pretty good. So Yeah.","start_word":155,"end_word":202,"sentiment":"neutral","sentiment_score":0.1305499970912933},{"text":"Fantastic.","start_word":203,"end_word":203,"sentiment":"positive","sentiment_score":0.41288885474205017},{"text":"Well, I'll jump in and give you an update on your super to start with. So having a bit of a yep.","start_word":204,"end_word":225,"sentiment":"neutral","sentiment_score":0.20495037734508512},{"text":"look at things, your super has been doing really, really well this year.","start_word":226,"end_word":238,"sentiment":"positive","sentiment_score":0.37492653727531433},{"text":"I'm just pulling up the report. I'm so sorry. The report just dropped out That's on me. alright. Gotta love computers and technology when it wants to actually work. Yeah. Yeah. Go ahead. Why, ain't it? That's exactly right. But, no, look, honestly, looking at your portfolio as a whole, it has Yep. been performing quite nicely there when we're looking at everything. Even with what's happening in the world at the moment, we have seen some ups and downs there. Yep. Probably your worst point this year was around about to the March 30, between the twenty fifth and March 30 there. That was kinda when we saw one of the big Yep. the bigger dips to your portfolio.","start_word":239,"end_word":358,"sentiment":"neutral","sentiment_score":-0.06087325131520629},{"text":"But we've also seen a bit of recovery in that point as well, which is good to see.","start_word":359,"end_word":376,"sentiment":"positive","sentiment_score":0.42396143078804016},{"text":"Yep. I can also see what your new contribution's going in there as well from your new employer.","start_word":377,"end_word":394,"sentiment":"neutral","sentiment_score":0.30005785822868347},{"text":"That's fantastic.","start_word":395,"end_word":396,"sentiment":"positive","sentiment_score":0.7133909463882446},{"text":"How long have you been working for them for? Probably at ten months now, I think. Yeah.","start_word":397,"end_word":413,"sentiment":"neutral","sentiment_score":0.05825551971793175},{"text":"Fantastic. And you're enjoying it still?","start_word":414,"end_word":419,"sentiment":"positive","sentiment_score":0.3703276216983795},{"text":"Yep.","start_word":420,"end_word":420,"sentiment":"neutral","sentiment_score":0.1894520968198776},{"text":"Fantastic. Excellent. With your super, they're having a look now.","start_word":421,"end_word":430,"sentiment":"positive","sentiment_score":0.4344957172870636},{"text":"Your balance as of this time last year was about $173,004.64, and your balance now is $192.02 $1.","start_word":431,"end_word":448,"sentiment":"neutral","sentiment_score":0.2636355459690094},{"text":"01. So, again, a good increase there.","start_word":448,"end_word":454,"sentiment":"positive","sentiment_score":0.4573993682861328},{"text":"Yep. When we look at the performance after fees, so net, you've made a 9.08 percent return.","start_word":455,"end_word":471,"sentiment":"neutral","sentiment_score":0.32542911171913147},{"text":"So it's good to see a positive return there.","start_word":472,"end_word":480,"sentiment":"positive","sentiment_score":0.5564350485801697},{"text":"Yep. Some people do prefer a dollar figure as opposed to a percentage, so that equates to earnings in the portfolio of about 20,422 for you for the year. Okay? Yeah. Yeah. It is really important we are reviewing, obviously, investments because what was in your portfolio years ago, which might have been working well, may no longer be working for you now. So what I'm going through and having a bit of a look at everything, it does look like one of your investments is kinda underperforming a little bit there. Yep. You originally had the Better Long Australian Equities managed fund placed in there to be a little more of an active management actively managed fund in your portfolio initially. Yep. It had been great for the last couple of years. I had seen some really good returns up until kinda COVID. It's been a bit up and down the last couple of years from there. What I would Yep. like to maybe do is look at replacing that with something else.","start_word":481,"end_word":654,"sentiment":"neutral","sentiment_score":-0.0855092853307724},{"text":"It's kind of underperforming still at the moment. I don't think there's any point in keeping it there.","start_word":655,"end_word":672,"sentiment":"negative","sentiment_score":-0.5100850462913513},{"text":"I'd love to maybe look at taking that out for you or replacing this something that's maybe performing a little bit better and maybe readjusting and reviewing the rest of your portfolio. Are you open to me doing that for you? Yep. Sure I am.","start_word":673,"end_word":717,"sentiment":"neutral","sentiment_score":0.22751440107822415},{"text":"Yeah. Fantastic. It looks like because you came on board around about 2022 that we haven't really done a really big portfolio review for you and reassessed your goals. So Yeah. it's definitely a good thing to do that, reassess what risk level you're taking the investments, and make sure you're on track towards meeting your goals.","start_word":718,"end_word":774,"sentiment":"positive","sentiment_score":0.517562747001648},{"text":"Okay?","start_word":775,"end_word":775,"sentiment":"neutral","sentiment_score":0.2512720823287964},{"text":"Yeah. Beautiful.","start_word":776,"end_word":777,"sentiment":"positive","sentiment_score":0.5416982173919678},{"text":"With the, the way investments work and the way you can be invested, there are a couple of different ways. Yep. So as I mentioned, Bennelong was an actively managed fund that was placed in there for you. Yep. Did you want us to look at maybe replacing that with another actively managed investment, actively managed funds where the investment manager is trying to outperform against the market? You are paying to have that kind of fund manager in there. So it can be a little bit more expensive to have those fund managers. Alternatively, we can look at something a bit more passive. So passively managed funds are the investment managers are just tracking a certain market or the index, and they're not trying to outperform. They're just participating.","start_word":778,"end_word":907,"sentiment":"neutral","sentiment_score":0.08930861204862595},{"text":"It can be a cheaper way to invest, and over the longer term can provide greater returns.","start_word":908,"end_word":924,"sentiment":"positive","sentiment_score":0.4170917570590973},{"text":"Did you want me to look at something passive, or did you still wanna have that active management in there? Or No. We probably give the passive a passive a try. I'll see how it goes, I suppose. yeah.","start_word":925,"end_word":963,"sentiment":"neutral","sentiment_score":0.05587135627865791},{"text":"Absolutely.","start_word":964,"end_word":964,"sentiment":"positive","sentiment_score":0.4155489206314087},{"text":"I'll have a look at the options. I've got a few options that we can swap it out with and have a look at for you. I'll Yep. go back. I'll assess the investments, your risk level, your asset allocation, but I'll also consider the tax consequences for your super fund there as well, and I'll make an adjustment and come back with an advice document that you can see what my recommendations are. Does that sound okay? Yep. This sounds fine.","start_word":965,"end_word":1046,"sentiment":"neutral","sentiment_score":0.1267694627366415},{"text":"Yeah. Beautiful. Excellent. Other than that, that's all working really nicely here. Your contributions are going in, which is fantastic.","start_word":1047,"end_word":1066,"sentiment":"positive","sentiment_score":0.6886526346206665},{"text":"When you think about your super, have you look at your circumstances at the moment. Now you're 51 this year. Is that right? Yeah. Look.","start_word":1067,"end_word":1091,"sentiment":"neutral","sentiment_score":0.1036200001835823},{"text":"That's a positive. You're getting you you don't think of it as a bad thing. You're getting closer to being able to access your super, which is a great Yeah.","start_word":1092,"end_word":1121,"sentiment":"positive","sentiment_score":0.42914512753486633},{"text":"aspect. Yeah. Well, that's right. 51 years young this year is what I would say. Yeah. That's right. All good. Thinking about sort of when you are wanting to access super, I know your goal was back when you came on board about age 65. Is that still where you're tracking for, or would you like to maybe look at TriNet access it earlier? No. 65 is sorta still still where I wanna sorta be if Yeah. I can, Perfect. but, yeah, obviously, Yeah. it just all depends on everything, I suppose. Yeah. Absolutely. And you were sorta hoping for, I believe, an income in retirement of about $800 per week. Are you still thinking that would be sufficient at the moment? I know when we get to that point, it could be very different. But is that still where you're tracking goal wise at the moment, or would you like to Yeah. alter No. that? No. That's about where I wanna be. Yeah. Yeah. Fantastic. And having a look back in 2024, Yep. I believe you purchased a home. I've got an asset value on that one. The last value we had noted was about 420,000. What kind of value would you put on the property now? Oh, probably about 600. Yeah. Just the way Fantastic. just the way the market sort of going. Yeah. Yeah. Absolutely. It's good for us to already own a home, but it's a bit scary for anyone trying to get into the market currently in there. Well, it is. Yeah.","start_word":1122,"end_word":1378,"sentiment":"neutral","sentiment_score":0.02132193517331251},{"text":"It's terrible.","start_word":1379,"end_word":1380,"sentiment":"negative","sentiment_score":-0.5233308672904968},{"text":"The place down Yes. three doors down the road just sold for $7,715. Wow.","start_word":1381,"end_word":1394,"sentiment":"neutral","sentiment_score":-0.027067486196756363},{"text":"That's incredible.","start_word":1395,"end_word":1396,"sentiment":"positive","sentiment_score":0.5053891539573669},{"text":"Yep. Getting up towards that million dollar mark. Yeah. Yeah. Well, it's just crazy, I think. This area is sort of spending that sort of money. Yeah. Absolutely. Mortgage on the property, we had owing about 368,000. Have you been able to reduce that mortgage a little bit, or have you increased for anything additional? No. No. It's down about $3.03 26 now. Yeah.","start_word":1397,"end_word":1460,"sentiment":"neutral","sentiment_score":-0.02960497140884399},{"text":"Fantastic. Lovely.","start_word":1461,"end_word":1462,"sentiment":"positive","sentiment_score":0.44924914836883545},{"text":"And one of the goals I had back when was that you were trying to obviously end up completely debt free for your retirement. Are you still hoping to have that mortgage paid off in that time frame, or how's that tracking? Yeah. We should have the way the way it's sort of looking, but Yep. I suppose it's all good. Yep. Take it year Yep. take it year by year at the moment to sort of make sure everything's tracking alright then. Yeah. Completely understandable. And you're you're finding that you're okay paying the mortgage down, happy to continue the way you are with the mortgage at the moment? Yep. Yeah.","start_word":1463,"end_word":1574,"sentiment":"neutral","sentiment_score":0.09047504514455797},{"text":"Fantastic.","start_word":1575,"end_word":1575,"sentiment":"positive","sentiment_score":0.33729153871536255},{"text":"All good. The other thing I have done here now, I've also got noted that you've got three kids at home. You still got all three kids living at home? Yeah. Sure do. Yeah. Yeah. Beautiful. Are they minors 18, small children? Yeah. It's two three year olds and a six year old. Wow. You had twins. Fantastic. Twins. Yeah. And there's three. You went through the terrible twos with two children. Yeah. I know. Oh, you did well. I'll tell you what. Teenage used to go. Hey? Yeah. Well, that's that's probably gonna be the worst I would tell them. Yes. Yep. Yep. No.","start_word":1576,"end_word":1680,"sentiment":"neutral","sentiment_score":-0.018286295235157013},{"text":"Perfect. All good.","start_word":1681,"end_word":1683,"sentiment":"positive","sentiment_score":0.7237870097160339},{"text":"And I've got down here that you're still married. I've got your wife down, Helen, as your next of kin. You're still comfortable with that one? Yep. Yep.","start_word":1684,"end_word":1711,"sentiment":"neutral","sentiment_score":0.14824184775352478},{"text":"Fantastic.","start_word":1712,"end_word":1712,"sentiment":"positive","sentiment_score":0.5968983173370361},{"text":"I'm also just double checking your beneficiaries there. So on your super, we do have it noted here that Helen is your beneficiary. So in the event of passing away, your super is paid out to her at a 100%. Yep. The good thing about this beneficiary is it's finding non lapsing. So that meant you only filled out one form. It doesn't have to be done again until you wanna revoke or alter that beneficiary nomination. But you're still comfortable with the way that's noted? Yep. Yeah.","start_word":1713,"end_word":1800,"sentiment":"neutral","sentiment_score":0.18357984721660617},{"text":"Fantastic. Beautiful.","start_word":1801,"end_word":1802,"sentiment":"positive","sentiment_score":0.6084715723991394},{"text":"Now the other thing to kinda go through is your insurances. So out of your super, you are paying for your insurance cover with Clearview. You've got your life, your TPD, your income protection there. Yep. With your life cover, just to double check, do you understand how those insurances work? Do you did you have any questions about the cut the cover you have? Or No. Not really. It's no. pretty That's okay. pretty straightforward Yeah. for the Beautiful. things.","start_word":1803,"end_word":1883,"sentiment":"neutral","sentiment_score":0.02581959217786789},{"text":"Beautiful.","start_word":1884,"end_word":1884,"sentiment":"positive","sentiment_score":0.40886566042900085},{"text":"Yeah. So with your cover at the moment, as I mentioned, your balance inside super is currently 190 sorry. $195.01 $1.03 as of today's date.","start_word":1885,"end_word":1909,"sentiment":"neutral","sentiment_score":0.07791277021169662},{"text":"It's gone up a bit since I I got the report up, which is fantastic.","start_word":1910,"end_word":1924,"sentiment":"positive","sentiment_score":0.3969464004039765},{"text":"Yep. With your insurance, is your life cover there? You've got a benefit amount of $574,005.62. Yep. You also if anything happened, you were to pass away, your life benefits paid out to your beneficiary, but then it's also your super benefit paid out on top of that there. So does that benefit amount cover what you are wanting to cover with regard to your goals? Did you wanna look at reviewing that benefit amount at all? No. I think it's still pretty good. Yeah. The way Yes. it is. That's okay.","start_word":1925,"end_word":2016,"sentiment":"neutral","sentiment_score":0.04455316811800003},{"text":"Perfect.","start_word":2017,"end_word":2017,"sentiment":"positive","sentiment_score":0.42731523513793945},{"text":"So just to give you an idea, just sort of evening it out, it's roughly between your super and your life cover about 767,000 there, which when Yep. we look at your circumstances, with your mortgage being around that $3.26, I don't have any other debts noted. Do you have any other loans or credit cards or anything big that would need to be paid off with the last cover? No. I have a pretty little pretty Yep. little sorted with everything. Yep. That's okay. And was I'm sort of having a look back at your last sort of goals there, but was your goal with your life cover just to kind of have it paid out to Helen and have her be able to pay off the mortgage and live debt free? Or is there anything specific you wanted to have paid off with your life cover? No. No. Yeah. So so you can so you can deal with all that.","start_word":2018,"end_word":2179,"sentiment":"neutral","sentiment_score":0.031221535056829453},{"text":"Nice. All good.","start_word":2180,"end_word":2182,"sentiment":"positive","sentiment_score":0.5557302236557007},{"text":"With the TPD, now total permanent disability, you are still living. So a lot of people when they are TPD, depending on what has happened, if it's a disability, they have to factor in medical costs, ongoing rehabilitation, sometimes changes or purchases to vehicles and modifications to the house. Yep. You have the same level of TPD in the event of never being able to go back to work again. And under a permanent capacity, we can also get access to your suit in there as well. Yep. You do so it's about the same level of cover. That would realistically still pay out the mortgage completely and leave a little bit of additional benefit there. Yep. However, I do like to make sure everyone is aware. If you're under 60 and you claim on TBD, it is unfortunately taxed at a certain rate as well. So there are some taxes that may come into effect there. But are you Okay. happy with the level of cover? Did you wanna reevaluate that at all? No. I think no. I think it's pretty good, but Yep. at the moment. Yes. Yep. That's okay. Yeah. If it Pretty ever comes good. down and you wanna look or talk about it, let me know. Yes. Obviously, as you get older, these insurances do get more expensive. This year, the premium that came out, I actually have it here. So you paid $4,694.86 from your super fund for that. So Yeah. they will get more expensive. So we'll maybe we can put a little catch up in here for the next few months and, you know, around anniversary time, maybe have a bit more of a chat about the level of cover you have and maybe look at how we can reduce those premiums a bit for you. Does that sound okay? Yep. Yeah.","start_word":2183,"end_word":2492,"sentiment":"neutral","sentiment_score":0.004913335942452954},{"text":"That sounds good. Yeah. Fantastic.","start_word":2493,"end_word":2497,"sentiment":"positive","sentiment_score":0.4781937003135681},{"text":"And with the income protection components, that pays out a lump sum benefit in the shorter term if you're off work due to illness or injury. Yep. With my lovely note here from Michelle, she made mention your income's about 75,000 at the moment. Is that right? Yeah. It's roughly it's gone up since last time Okay. Yeah.","start_word":2498,"end_word":2555,"sentiment":"neutral","sentiment_score":0.10523022711277008},{"text":"Beautiful.","start_word":2556,"end_word":2556,"sentiment":"positive","sentiment_score":0.36737310886383057},{"text":"since I changed Now with jobs. yeah.","start_word":2557,"end_word":2563,"sentiment":"neutral","sentiment_score":0.12400122731924056},{"text":"That's good. It's always good to get an increase in pay.","start_word":2564,"end_word":2574,"sentiment":"positive","sentiment_score":0.39062049984931946},{"text":"You work hard. You deserve it. So, realistically, having a look at that, with income protection, you can be covered for up to 70% of your income if you're off work due to illness or injury. Looking at Yeah. your income at the moment, your current level of income protection, you are slightly underinsured there. Not Alright. by a huge amount. Yes. So your benefit amount pretax because income tax is is deducted from the monthly benefit as well if you're on a claim. Yep. The benefit amount that you're covered for is 3,350. Looking at 70% of your current income would mean you would need to be covered for 4,375. In saying that, you can always have a lesser amount of cover if you're comfortable with what you're covered for. Okay. Does Helen work as well? Does she bring in an income to the family, or are you just a sole Yeah. breadwinner? No. Yeah. No. Yeah. She brings Yep.","start_word":2575,"end_word":2735,"sentiment":"neutral","sentiment_score":0.00984922134149704},{"text":"in more than brings in more than me. Okay. Beautiful.","start_word":2736,"end_word":2745,"sentiment":"positive","sentiment_score":0.3829421103000641},{"text":"So if you were not able to get a work and say you were drawing the monthly benefit down, does that benefit plus, say, her income feel like it would be enough to cover the expenses? I mean, just give you a basic level of living, or do you think you would need to increase it? No. I think we'll be yeah. I think we were pretty good with what she's doing. I'm sorry. Yep. That's okay. Not a problem at all.","start_word":2746,"end_word":2827,"sentiment":"neutral","sentiment_score":0.04089595377445221},{"text":"Excellent.","start_word":2828,"end_word":2828,"sentiment":"positive","sentiment_score":0.573521614074707},{"text":"And with this one here, you've got a ninety day waiting period, so you just have to be off work for ninety days if anything happens. What I would Yep. suggest is if you are off work and there's a a medical reason for doing so and that you don't think you're gonna be back to work and may need to claim an income protection, feel free to give us a call. Let us know. Was it when we know the first date that you've stopped working and the reason for, we can always contact the insurer and get the claim started. And that way, Yep. at ninety days, we can get the claims paperwork submitted to start the claim for you. That way, it alleviates a large backlog and gets Yep. the claim processed as quickly as possible. And Okay. then with Yep. a two year benefit period, it just means if you're on a claim and you can't go back to work after that two years, the claim stops regardless. But we would certainly hope you wouldn't be off for that long. No. No. I'm not. Beautiful. Beautiful. So you're comfortable leaving the cover as is for the moment. We can just review that down the track with you. Is that right? Yeah. Yeah. Yep.","start_word":2829,"end_word":3045,"sentiment":"neutral","sentiment_score":0.06254611164331436},{"text":"Beautiful.","start_word":3046,"end_word":3046,"sentiment":"positive","sentiment_score":0.33403730392456055},{"text":"If at any point there, Greg, you do wanna have a bit more of a chat or wanna reevaluate those levels, just let me know.","start_word":3047,"end_word":3071,"sentiment":"neutral","sentiment_score":0.11084536463022232},{"text":"More than happy to make time to do so for you.","start_word":3072,"end_word":3082,"sentiment":"positive","sentiment_score":0.43645286560058594},{"text":"Okay? Yeah. Right there. Yep. No worries. Yeah.","start_word":3083,"end_word":3090,"sentiment":"neutral","sentiment_score":0.11466307938098907},{"text":"Thank you. Beautiful.","start_word":3091,"end_word":3093,"sentiment":"positive","sentiment_score":0.6373535990715027},{"text":"Now other assets I have noted on your file from last time, you have a caravan. Do you still happen to have that one? No. We don't. It's gone. It's gone? All good. Yeah. Any plans to get a new one down the track for those retirement years? Or Maybe. Yeah. It'd be it'd be Yeah. a while because we'll just wanna get a my reason to solve is just so we can get some work done on the house. Yes. Yeah. And we just weren't using it enough to Yeah. to warrant him one, so Yeah. Yeah. that was the When main reason. do you, yeah, when you sorta weigh up the cost of registration, servicing, insurances, and Yeah. things like that, if you're not really enjoying it, it kind of becomes a bit of a liability, doesn't it? Yeah. It does. Yeah. No. All good. I also had here you had I don't believe this is a car. I think it's two. How Three. many vehicles do you own? I'm so sorry. Three? Perfect. What are they? I'll note them down separately for you. Oh, what what's got a Kia 2021 Kia Carnival? Yep. I've got a 2016 Ford Everest Perfect. and a 2014 Mitsubishi Triton. Oh, fantastic. And with those vehicles, what sort of rough estimate would you put value wise on them? The key is probably worth about 35. Yep. Perfect. The the Everest is about 25, Yep. and the Triton, yeah, it's about $2,000. Yeah. Nice. Nice. And you own all those outright as well? Yep. Yeah.","start_word":3094,"end_word":3355,"sentiment":"neutral","sentiment_score":-0.009706726297736168},{"text":"Fantastic.","start_word":3356,"end_word":3356,"sentiment":"positive","sentiment_score":0.3716026246547699},{"text":"Lovely. I also had it noted here. You have some cash in savings about a thousand dollars with the worth on the house. I'm assuming a lot of the excess Yeah. cash goes into that. But do you have anything in saving at the moment? Yeah. Yeah. It'll probably still be roughly the same. Yep. Yep.","start_word":3357,"end_word":3412,"sentiment":"neutral","sentiment_score":0.0656539797782898},{"text":"Yeah. Beautiful. Excellent.","start_word":3413,"end_word":3415,"sentiment":"positive","sentiment_score":0.607696533203125},{"text":"And how do you find the expenditure wise? Is everything kind of stay going into the house at the moment, or are you managing to put away much out of your weekly income? Oh, we're probably putting them between the two of us, but it's around a week getting put away. Okay. Yeah. Perfect. But And is yeah. that going on to the mortgage, like, reducing that offset? Well, you put a bit in the mortgage and the majority of it's going into the house, but renovations Yes. on the house. Yep.","start_word":3416,"end_word":3507,"sentiment":"neutral","sentiment_score":0.02618972212076187},{"text":"Perfect. Lovely. Excellent.","start_word":3508,"end_word":3510,"sentiment":"positive","sentiment_score":0.6063396334648132},{"text":"One of the other goals I had sort of looking back here was possibly focusing on building super up a little bit more and adding some additional contributions into super. Is that something you're still looking at doing, or is that more just down the track once you've done the house renovations? And Yeah. Yeah. Probably getting checked off to get the house the way we want yep. it. That's what Perfect. I'm trying to Yeah. get it all done all done within Yep. twelve months if we can.","start_word":3511,"end_word":3599,"sentiment":"neutral","sentiment_score":0.1178264170885086},{"text":"So Fantastic.","start_word":3600,"end_word":3601,"sentiment":"positive","sentiment_score":0.34339338541030884},{"text":"So twelve months to get the renovations done. And whereabouts yeah. are you up to? We've done we've probably about a third of the way there. Yeah. Fantastic. We've put It's a put a a big job, new isn't it? oh, it is. Yeah. I've got to the bath. Bathroom and kitchen are the next two things, and they're they're probably the biggest things. Yep. Yep. Are you doing the bathroom yourself, or are you Yep. getting someone in to do it? I'll get some I'll do all the and and Yep. all that sort of stuff. Just get a plumber in to do a little plumbing and Yep. and all that sort of stuff, but I can I can do the majority of it myself? Oh, fantastic.","start_word":3602,"end_word":3729,"sentiment":"neutral","sentiment_score":0.03762825205922127},{"text":"That's excellent.","start_word":3730,"end_word":3731,"sentiment":"positive","sentiment_score":0.4328787922859192},{"text":"It's definitely on my list of things to do in my bathroom, but I'm gonna have Yeah. to get someone else in to do it. My my bathroom is definitely a lovely pink nineteen sixties color. It definitely needs Oh, to nice.","start_word":3732,"end_word":3773,"sentiment":"neutral","sentiment_score":0.1626010194775604},{"text":"be completely pulled apart, and I'm a bit scared of what they're gonna find when they start pulling all that stuff apart.","start_word":3774,"end_word":3795,"sentiment":"negative","sentiment_score":-0.413241982460022},{"text":"Yeah. That's the biggest thing when you when you start It pulling is. stuff apart. It is. It is. But, no, it'll be okay eventually. We'll just get someone to come in and give me the bad news in one day and then drink a whole bottle of wine maybe afterwards. Yeah. Yeah. Yeah. That's alright.","start_word":3796,"end_word":3851,"sentiment":"neutral","sentiment_score":-0.11700979620218276},{"text":"Oh, well, good luck. I hope it all goes well with getting that done in twelve months. It'll be all be nice when it's all done for you.","start_word":3852,"end_word":3879,"sentiment":"positive","sentiment_score":0.5251619219779968},{"text":"Yeah. We were. Yeah. Yeah.","start_word":3880,"end_word":3884,"sentiment":"neutral","sentiment_score":0.1291642785072327},{"text":"Fantastic.","start_word":3885,"end_word":3885,"sentiment":"positive","sentiment_score":0.5396944880485535},{"text":"I will just go back and double check the beneficiaries on your insurance policy as well. I can't quite see at the moment that they are up to date as the support is a little bit not working for me. So Yes. I'll go back and double check those. If there's any need to update them, I'll make sure we will. I'll just make sure we got Helen down there for you Yep. on Yep. those. Okay? Yep.","start_word":3886,"end_word":3963,"sentiment":"neutral","sentiment_score":0.07195799797773361},{"text":"Excellent.","start_word":3964,"end_word":3964,"sentiment":"positive","sentiment_score":0.3377341628074646},{"text":"The other thing with the estate planning is have you guys got a will to have attorney? Have you just sort of spoken about doing those up? Yeah. We we talked about doing them up, so we we'll have Yep. one we'll have one soon. Okay. Yep. Perfect. So Is that in all the get works. that all sorted? Yeah. In the works. Yeah. Yep.","start_word":3965,"end_word":4029,"sentiment":"neutral","sentiment_score":0.08037254959344864},{"text":"Fantastic.","start_word":4030,"end_word":4030,"sentiment":"positive","sentiment_score":0.4160378277301788},{"text":"And you've got a solicitor that you are trusting to kinda do all that up for you at the moment? Yeah. Yeah. Yeah. Yep. Perfect. Excellent. One of those things is we kind of tend to put off, but it's really important to make sure everything's kinda covered in the event something was to happen. Yeah. That's right. Yeah.","start_word":4031,"end_word":4089,"sentiment":"neutral","sentiment_score":0.13146668672561646},{"text":"Fantastic.","start_word":4090,"end_word":4090,"sentiment":"positive","sentiment_score":0.493793249130249},{"text":"And just going through, I think I've got mostly everything here for you. So what I can do now, if you like, is I'll go back. I'll have a bit of a review of your portfolio to see how you invested. I'll double check your asset allocation is all correct there. Yep. Just on the asset allocation, having a look at things, now you are invested in a growth portfolio. So that generally sees about 80% of your super investing growth assets. I think things like straight in shares, international shares, listed property, and also commodities Yep. like gold and silver there. Realistically, that's where we tend to see you for your agent stage with you still having over ten years before accessing super there. You can still be taking on a bit more risk in the market and being in that growth environment Yep. to obtain greater growth long term, but it does open you up to short term volatility. So you do see the market fluctuate, and the higher your balance goes, the more you're gonna feel those small market changes as well. Yeah. Yep. In that kind of growth environment, you still see about 20% in low risk defensive investments, the things like cash, bonds, and fixed interest that you have more of those growth assets to try and get that greater potential returns. Yeah. With the growth portfolio, we are sort of averaging around about seven to 9% on a yearly basis. That's what you're sort of aiming for with this portfolio. So anything Yep. over that 9% is essentially over performance. Your fund is doing really well for the year. Anything under seven is generally under performance. Yep.","start_word":4091,"end_word":4373,"sentiment":"neutral","sentiment_score":0.1177012249827385},{"text":"And we do know with the ups and downs, you do feel the negative returns. We do see them every couple of years. It is expected in normal, and we can a negative return about one in every sort of five years at the moment.","start_word":4374,"end_word":4418,"sentiment":"negative","sentiment_score":-0.4217762649059296},{"text":"Yep. With where you are age and stage, you're fine to be in that sort of growth environment a little bit longer. Did you wanna stay in that, or did you wanna maybe look at changing your risk profile and reevaluating how you sit and how you feel about things? No. I think it's well, I'm sitting in maybe a risk at the moment or Yeah. You are. So when we look at our risk profiles, we start off with aggressive high growth growth, then balance growth, then balance. So you're kind of in that middle range there. Growth environment through someone who has at least six years before they're accessing their super, and that's because you do do feel those ups and downs in the market in the short term. So we don't wanna be in a portfolio where, say, we see a big downturn and then you're gonna retire in the middle of that. We wanna make sure you can go through that downturn, allow your portfolio to recover out of that, take advantage Yep. of all those downtimes, and get that good growth as the market recovers Yep. before you're accessing your sofa. Yeah. No. I'll I'll start in medium rush at the moment, you know, Yep. we'll see how it That's goes. Yeah. That's absolutely fine. If you feel you are uncomfortable or nervous at any point, let me know. Yep. You're noted on I've noted on your account now as your financial adviser, so we've made a few changes with the way the structure of the company goes. So you can ask for me. I'll book you in at any point in time. You do pay an ongoing service fee for having us here as well, so you mentally Yep. use me to your advantage. Yep. If you're feeling nervous or concerned or just wanna chat about how things are going or an updated balance or, you know, have some questions on anything, feel Yep. free to give me a call. I'll book in a time that suits you to make sure we go through these sorts of things. Yep. And down the track, we wanna do more catch ups with you as well. Did you wanna see some more regular catch ups, maybe once every three or six months, or do you are you comfortable ever review once every 12 at the moment? What would you like to see? No. Probably six. One thirty six would be. Six months? Yeah. Six months is gonna Yep. be alright. We can.","start_word":4419,"end_word":4843,"sentiment":"neutral","sentiment_score":0.03492901641656371},{"text":"Absolutely. Not a problem at all.","start_word":4844,"end_word":4849,"sentiment":"positive","sentiment_score":0.4289472699165344},{"text":"I'll pop that in the calendar there so my admin team member, Michelle, will give you a call and book in a time to, you know, have that catch up in about six months' time. And in the meantime, Yep. I'll go back and review the portfolio and just update the advice to make sure we're on track. I'll look at your goals because you are just over that ten year time horizon. You're, you know, in your fifties now. I'll take Yep. into account the long term effect and what we're sort of tracking for and how this might look projected towards retirement, Yep. just to give you a bit of an idea on what that sort of looks like, and then we can kind of go from there and keep sort of tracking and looking at what what we're moving towards as we get there. Does that sound okay with you? Yep.","start_word":4850,"end_word":5003,"sentiment":"neutral","sentiment_score":0.23241133987903595},{"text":"That's fine. Brilliant. Yeah. Beautiful.","start_word":5004,"end_word":5008,"sentiment":"positive","sentiment_score":0.5218783617019653},{"text":"As I said, getting older is not always a bad thing. And then once you kinda hit that 60 to 65 mark, there's some other really cool strategies we can put in place to give you kind of a last little bit of a boost towards those retirement years, pump as Yep. much money Yeah.","start_word":5009,"end_word":5063,"sentiment":"neutral","sentiment_score":0.233187735080719},{"text":"as we can into super as well.","start_word":5064,"end_word":5070,"sentiment":"positive","sentiment_score":0.4148111045360565},{"text":"So there's there's some other things that we can look forward to down the track, so don't let your age, you know, feel disappointing in any way, shape, or form.","start_word":5071,"end_word":5100,"sentiment":"neutral","sentiment_score":0.14502795040607452},{"text":"It's fantastic where you're tracking for.","start_word":5101,"end_word":5106,"sentiment":"positive","sentiment_score":0.708078920841217},{"text":"Yep. Right. Yeah.","start_word":5107,"end_word":5109,"sentiment":"neutral","sentiment_score":0.2447114139795303},{"text":"All good.","start_word":5110,"end_word":5111,"sentiment":"positive","sentiment_score":0.5280185341835022},{"text":"The only thing I just have to let you know is we will send out your annual review pack probably in the next sort of twenty four hours. It Yep. will contain the financial services guide, which outlines everything about who I am. It's got Yep. my registration number. I'm a licensed adviser through ASIC. It's also got all the information on our business, all the other services you're entitled to as well. So we don't Yep. just provide advice around super insurances. We can help with investment advice or refer you to a mortgage broker if you need the services, you know, look at other advice in other areas to assist your other goals as well. Yep. Okay. We yeah. I'll add the ongoing service agreement in there as well. Now you do pay an ongoing service fee for our services for us looking after everything for you. It is 1.65% on a yearly basis, but deducted in full of monthly increments, and then it is linked to the performance of your super. So when your super is doing really well, it does mean our fee increases slightly. However, Yep. Yes. as a percentage, if the market takes a bit of a dip, then our fee goes down with it as well for you. Yeah. Okay. Yep. Okay. Alright. Yeah. Did you have any questions about the ongoing service fee or how that works at all? No. No?","start_word":5112,"end_word":5350,"sentiment":"neutral","sentiment_score":0.07931638215999723},{"text":"Beautiful. Beautiful.","start_word":5351,"end_word":5352,"sentiment":"positive","sentiment_score":0.43421706557273865},{"text":"I'll attach to to the DocuSign, like, the performance reporting you certificate, currently the things I've gone through with you today so you can have a bit of a look at those as well. Let me know if there's any Yep. questions in relation to any of those. Yep. And there might also just be, like, a tax file opt in form as well. We just wanna make sure that we're protecting all of your personal information, that you're aware of that, and that you're personal information, that you're aware of that, and that you're authorizing us to hold your tax file number as well. Okay? Yep. Yep. Yep. Not a problem.","start_word":5353,"end_word":5464,"sentiment":"neutral","sentiment_score":0.15735489130020142},{"text":"Yeah. All good.","start_word":5465,"end_word":5467,"sentiment":"positive","sentiment_score":0.4812013804912567},{"text":"Is there anything I might have missed or anything else you wanted to ask me while you've got me here there at all, Greg? No. I don't think I think I've been covered.","start_word":5468,"end_word":5500,"sentiment":"neutral","sentiment_score":0.035957622708696305},{"text":"Yep. Beautiful.","start_word":5501,"end_word":5502,"sentiment":"positive","sentiment_score":0.49707791209220886},{"text":"Well, if there's anything else that we do need, I'll make sure I sort of touch base and let you know. In the meantime, Yep. we'll get the annual review pack out to you in the next sort of twenty four hours. If you can just sign and return it back, Yep. and I'll get stuck into reviewing your portfolio and updating the advice for you. We'll come back in a couple of weeks, and I'll go through the advice with you so you can decide what you wanna do. Okay? No worries.","start_word":5503,"end_word":5595,"sentiment":"neutral","sentiment_score":0.2107897698879242},{"text":"Okay. Easy. Thank you so much for your time. I really appreciate it. I hope you have a lovely day. No worries. You too.","start_word":5596,"end_word":5619,"sentiment":"positive","sentiment_score":0.7185485363006592},{"text":"Alright.","start_word":5620,"end_word":5620,"sentiment":"neutral","sentiment_score":0.32009977102279663},{"text":"Thanks, Greg. Okay. See you.","start_word":5621,"end_word":5625,"sentiment":"positive","sentiment_score":0.5165141224861145},{"text":"Okay. Bye. Bye.","start_word":5626,"end_word":5628,"sentiment":"neutral","sentiment_score":0.18508264422416687}],"average":{"sentiment":"neutral","sentiment_score":0.0887261991312118}}}}