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Is now still a good time there for you? No. That's okay. You're fine. Now that you've got a bit going on in the background there. Poor thing. I feel so I feel I understand. It's all good. Is now still you're right. Is now still a good time? Because if it's not, I could always reschedule. I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule. That's good. Yeah. No. That's okay. That's completely understandable. Well, let's sort of jump into things so I don't take up too much of your time. If you do happen to need to take a break or you need me to stop, just go, hey. Stop, you know, shut up for a second, and I'll I'll happily stop there for you. Okay? Oh, good. Easy. And, Richard, before we end the call, just to let you know we do record our calls for quality and training purposes. Are you okay for us to proceed with that? Yep. Fantastic. And just to do a really quick security check there with you as well, just because I'm discussing your personal information. Just to confirm your full name, your date of birth, and address that you have on file. Yep. Beautiful. Thank you so much for that. So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there. I know I don't know if now is a good time for you to access your emails. Did you wanna pull up the email to go through things, or did you want me just to run through things and you can have a look at it later when you've got more time there? What would you prefer? Yeah. Yeah. You've had a few of these. You know how they kind of go. Yeah. That's absolutely fine. I've sent the email through so it is there when you do get a chance to have a look at them later. But just to give you an update on your state for this, your balance this time last year, you were at a 120,472 and 59¢. Looking at your balance now, you're up to a 142,695 and 53. So we have seen some growth there, which is good. The market has been a lot of ups and downs to see with everything that's been going on globally there. But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there. I have had a bit of a look at your portfolio there. One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio. You have got one of your underlying investments, the Benelon Australian Equity. That was originally put into your portfolio as more of an actively managed fund. The idea of an active fund is that the fund manager is trying to outperform the market, but this investment hasn't been able to do so. And while you've still seen a really good return, I think your portfolio could have done a bit better. Would you like me I would love to if you gave me the opportunity to do so, go back and have a look at your investments, maybe reassess your super, and do a bit of a switch and look at what we can maybe replace things with to keep it working a bit harder moving forward. Would you be open to that, and do you have any questions? Yeah. Yeah. No. That's okay. And where you are at the moment, with the kind of portfolio you're in, it's more of a growth environment. So whilst we wanna get the best returns we can, I'd love to see you getting, you know, a twelve, thirty, 20% return as often as possible, but we know with market fluctuations, it's not always possible. So with the growth portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis. So to receive that return you've got this year, net of fees, is still really good. It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better. And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things. I can also see in here you also got the bank hybrid. These were putting your portfolio as more of a defensive investment. They are more of a complex kind of investment as well. And moving down the track in the next couple of years, the government is moving to phase those out. So I would love to take that out, replace that investment now while we can, and also move any underperforming investors. And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you. Are you open to me doing that for you? Yeah. Beautiful. Beautiful. I did the review of your portfolio before, and I was like, look. I think we can do some better things here, and it's good to keep updating that as markets do change as well. Those investments that were good a couple of years ago might need to be changed down the track here. So I'm happy to go back and do that for you if you're comfortable. As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice. It's all part of the ongoing service so that you do pay for our services. Okay? Yep. Beautiful. That is a lot, and I'm so sorry. But do you have any questions? Have any questions come up out of any of that at all? Yeah. Yep. Beautiful. No. That's fan fantastic. Well, I'll make sure I look after you. And part of what I love about being an adviser is the educational value there. So please let me know if you do have questions. Do you wanna understand something a little bit more? Let me know. I'm more than happy to break it down and help you out. One of the things I love about being an adviser as well. Okay. Easy. Fantastic. Now the other thing that sort of goes through is the insurance aspect here. So with your insurances, you've got a Clearview insurance policy there. You've got your life and TBD. The current sum insured for those is 746,930. So when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7.46 930, plus your super balance on top of that can be paid out as well. That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625. In the event of you passing away, what is it that you what's your goal with regard to the insurance? What would you be wanting that money to cover? Yep. Yep. Beautiful. So having a look at the debt, I've got down here your main primary residence. Last valuation was 515,000 last year, but it looks like you have no debt on that property. Is that correct? Okay. No problem. I will just pop that in there. Sorry about that. I was getting a bit excited that you owned your property outright. All good. And what's the value would you put on the property at the moment? Yep. Yep. Beautiful. Lovely. So if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit? Nope. That's okay. So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000. That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well. Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that? That's perfect. That's absolutely that's very valid. Not a problem at all. Easy. But we can leave it as is. If you ever decide you wanted to kinda come and look at that, please let me know. I'm more than happy to reevaluate it. These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well. So the policy goes through renewal, and the sum insured is indexed. Supposed to be keeping up with DPI. It does also mean the premiums get more expensive as well. So we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well. Okay? Excellent. You do have the same level of of PVD as you do of life. Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment. Tax is deducted from the withdrawal at up to 22%. It could be less than that. And as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible. I wholeheartedly disagree that it should be taxable. I think if you're disabled and not able to go to work, you should not be paying tax on that money. That's terrifying. But you have the same level of cover. And with TBD, again, if you are totally incapacitated, we can also claim that against this Uber. So it means before the tax side of things, you could receive up to 800 oh, sorry. 889,625 again. Do you feel like that between your TCD and your super is enough currently? Did you wanna look at that again, or do you have any questions? Correct. Yep. That's absolutely fine. That's not a problem at all. The other thing you've got here is your income protection. Your income protection can cover up to 70% of your free tax income if you're off work due to illness or injury. Your income I had noticed here at the moment was 84,000 last year. Are you still on the same income, or have you got any increase on that at all? Yeah. That's okay. What are you on now? 130,000. Okay. That's a pretty big jump. That's fantastic, though. No. I'm sure you're worth it. All good. Now having a absolutely. You are. Definitely. The income protection benefit you have at the moment, me, shows that your some insured that you could claim pretax is 4,961 on a monthly basis. Based on your current sorry. It's $4,961 on a monthly basis. That's the income protection monthly benefit that you're insured for. Sorry. No. No. You're fine. I'm so sorry. I was having a cough. I do apologize about that. So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis. Based on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit. It is quite a difference there. If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax. So if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have. Do you feel like that's sufficient if you were on an income protection claim? Did you wanna maybe look at reviewing the amount? Yep. Yeah. It's a tough one because it's a tough one. It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future. It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim. Yeah. Yep. That's okay. Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you? Yep. Yep. Beautiful. Excellent. Thank you for that. With your income protection policy, you do have a thirty day waiting period and a five year benefit period. So you would only have to be off work for thirty days prior to making a claim and then off work for about five you can be off work for five years. You can be on a claim for up to five years. At that five year mark, if you still can't go back to work, the claim stops regardless. So it's always at risk of how long you could be on an income protection claim for. You can also increase it to age 65. Admittedly, that does make the policy a lot more expensive again. So it's more just juggling how long do you think you would need to be on a claim for if something was to occur. A five year benefit is good because most claims are finished within the first year or two. And if you can imagine, insurance companies, they don't really wanna pay the claim for a long time. So as soon as you're off work, they're finding out how they can get you back to work as quickly as possible. So do you feel you're right. Mhmm. Yep. Yeah. Yep. Yep. No. That's okay. That's perfect. You well, the longest you can have a claim going for is age 65. Those premiums do become quite expensive. You're right. This order is just two years. You can have a two year benefit period or a five year benefit period or to age 65. Yep. Mhmm. Okay. Yeah. Yep. That's absolutely fine. So you're happy for me to look at increasing the monthly benefit in line with that income of a 130,000, but decrease the benefit period for you to two years to keep it cost effective? Yeah. Yep. Absolutely. What I'll do is I will include that into the advice piece there for you. So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching. But then we'll also show you what we're recommending with the increase of the income protection, how that looks, how that is projected over the next ten years, and how that sort of affects you. Does that sound okay? Yep. Fantastic. Excellent. Now you probably you seem like you're pretty across insurances as a whole. You don't have any other types of personal insurances like, say, trauma. Has anyone ever gone through trauma with you? What it is, how it works, how it's paid, what it covers? No. That's okay. So trauma is like another type of insurance. It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's. Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that. Trauma, unlike income protection, doesn't have a waiting period. It doesn't have a work test either. So trauma pays out as an example, like, if you got cancer and say you were still able to go to work, you can't claim more in income protection because you don't meet the waiting period, but you can claim on that trauma policy. Some people have trauma to kind of fill in the gap of that waiting period for income protection. The downside of trauma is that unlike your life saving income protection, you can't pay for inside super. It has to be out of your back pocket. So a lot of people tend to not have trauma because of the expenditure side of things. Do you feel like it's something you would like to look at, or you're comfortable not considering trauma? What would you how do you feel does it fit for you? Yep. Yep. That's absolutely fine. Not a problem at all. We'll make sure that we just kinda raise that with you each year. If you ever find you do wanna come back to that, please let me know. It's not a problem at all. Okay? In the in the email I do have there for you, you have your I have 24 performance of support. It's also got a summary of your superannuation balance and insurances, and it's also got a run through of your Clearview certificate of currency that runs through the insurances as I've gone through and kind of breaks down that for you as well. Okay? Excellent. Just to kinda go through and update a couple of details of your circumstances. So I've updated a few things here already for you. Just with your job role, I've got down here that your occupation is first aid. Is that still considered your occupation, or what's your occupation now? Yep. Manager. Lovely. Excellent. And you said that you work from home about three days a week as well? Yes. Fantastic. Do you have to do much in the way of travel for your work? You do? Yep. No. That's okay. All good. And you mentioned that you're about 9% off the space. Is that right? Yep. Yep. That's absolutely perfect. Fantastic. Thank you for that. I've got your income updated here as well, which is fantastic. Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments? Yep. No. No. Very popular at the moment. I see people going to Japan. Is that booked for later this year? Or fantastic. Oh, fantastic. That's amazing. I have not been to Japan yet. I've done a lot of other places, but not Japan, but everyone tells me it's incredible. Then oh, fantastic. If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away? Yep. Beautiful. Excellent. And now just sort of double checking. It doesn't look like you're making any additional contributions to Super at the moment, over and above your normal employer. Normal employer. Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things? What's your sort of thoughts around that? One second. Yeah. That's absolutely fine. Not a problem at all. Easy. I was asked the question, but, honestly, your answer is completely fine. And, look, you're you're young. You're whole you've got a family, so those memories are just as important, honestly. We've got plenty of time. You're honestly, you're the same age as me, so do not worry. We are still plenty young. We have a lot of time ahead of us to be able to, a, make those memories, but then they come back later on and start making salary sacrifice and additional contributions and build super. The other benefit we have is that we've had super since we basically started our working life, whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later. And super wasn't a thing until the early nineties. It wasn't compulsory. So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track. So there's no need to stress or worry about the sales tax. We can always come back and look at that down the track. There's no time there's no too late to start. Starting whenever it's comfortable for you is probably the most important aspect. Okay? Excellent. All good. And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment. That is something I would love to rectify. So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset. So in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after. Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied? Yes. No. That's okay. That's okay. That's why I kind of go and look. I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out. We just need approval from you to do so. Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney? Is that correct? Yes. Beautiful. And just confirming, does Courtney have the same surname as you, or what is what's her surname? Easy. Oh, fantastic. Just so I do that correctly. And same residential address as yourself? Yep. Fantastic. And a hard question, what is Courtney's date of birth? Yep. 1990. Fantastic. Thank you for that. So my team will place all the documents for you to make it easier when that comes through. We'll just need you to sign and have a witness. It just needs to be two witnesses over the 18. One of those cannot be Courtney. And then if you send it back to us, we'll have that applied. I will double check against your Clearview life policy to make sure that that is also applied and correct. If it's not, I'll make sure we get that appraisal, that beneficiary nomination for you as well. Does that sound okay? Yep. Fantastic. And just to confirm, there are a couple of different types of nomination that you can choose from. The first type is a nonbinding nomination. Essentially, by ticking that box, it means that you're telling the super funds that you would like the benefit to be paid to Courtney in the event of something happening. However, at the time of passing, the trustee gets to decide whether they follow your direction or not. You can also have it as a binding nomination, which the trustee has to follow your direction, but you have to keep signing that same form every three years. Or I can do it as a binding non lapsing nomination. It binds the trustee to follow your direction, and you only fill one form out. We never fill out another one unless you wanna revoke or change your beneficiary. Do you know which way you'd like me to go? Yeah. So this may have to refill it every three years. You can choose the last one, have it binding nonlung thing if you like, because we do reviews with you every year, so we can keep bringing it up and checking that your nomination's correct. And when and if you ever wanna revoke it, we can help you with that. Yep. Beautiful. Happy for you to go whichever way is more comfortable for yourself, but we do help we do help you to review it. So not everyone wants to fill out the form again every three years. And if there is any point that it has to be reviewed, because we bring it up every year and check it with you, you can always go, hey. No. That's not right. We wanna change that now, and we'll make sure we you out with that. Fantastic. Well, I'll get those documents ready to go there for you. I can also see here on your last back line, you've not really had a will and power of attorney set up. Is that something that you guys have talked about in the past? Yep. No. That's okay. It is definitely something to have a conversation about, especially having kids, and you've worked really hard. You've got your house and your savings and things like that. Doing up a a will and the power of attorney, just protect everything else that you've worked so hard for. And the other thing that's probably really important is also having, like, a guardianship set up. So if something was to happen to yourself and Courtney, what do you want to happen to the kids? How do you want the funds to be held, paid out? Who are you gonna look after the kids? There's quite a lot to sort of think about there. So it is definitely something to have that conversation. It's not a great conversation. I completely get that. But it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well. All good. The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets. I've got your cash in the bank. So you had some savings about 8,000 last year. Do you still have that in savings, or has that changed? Yeah. Yep. Yep. That's absolutely fine. Beautiful. And then the I've got your car down as well. You had a value on the vehicle of about 8,000 last year. Would you keep the value the same or change that? Yeah. $88,000 is fine. Not a problem at all. Beautiful. And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on? No. That's okay. Another asset I would like to note down is contents as well. Do you have contents insurance? Yep. Do you know what value you would put on your contents or you have on your insurance policy? Yep. Beautiful. Fantastic. Excellent. Well, thank you so much for updating those details there for me. Just sort of double checking goal wise as well. When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young. I don't project all the way out to retirement. I just look at the next five to ten years solely because there's too many things that could change in that time frame for you. But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully? Are you sort of hoping the earliest age possible, or do you think you're likely to work to 65? What do you sort of think? Hard. Yeah. Yeah. No. Definitely not. Yep. Absolutely. So the earliest you're able to access super is 60. If you wanna look at retiring earlier, we'll definitely need to look at, you know, providing advice and building wealth outside of super either by way of, you know, a shared portfolio or contributing that way or investment properties and things like that. But if you get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah. I'm done. I wanna retire. We'll definitely make it happen. Look at what you need to live on and how that works for you and provide advice for suit. And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for you. Okay? Excellent. Do you have any other goals that you're looking to achieve over the next couple of years at all? I know you've got that trip to Japan, which is fantastic. But any other goals that you're sort of looking to achieve? Yes. Yeah. Yeah. Yeah. Absolutely. So the broker you may have spoken to a while ago would be different. He has retired. I've actually got some other really great brokers that we can refer you through to if you're comfortable with me doing so. One of those is Fabian, who is honestly fantastic. He can look at what your, you know, borrowing capacity is, look at whether borrowing now is appropriate or down the track and what you're sort of after. Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity? Yeah. Absolutely. Not a problem at all. So with the email I send out, it goes to yourself and to Fabian. I just need permission from you to pop in your name, your email, your sorry. Contact phone number. Is that okay if I give him those personal details? Fantastic. And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity? After four PM. Yeah. No. That's absolutely okay. That's not a problem at all. I'll organize that for you. No issues. I'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try. And they're really great. They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property. Hopefully, you find what you're after. That'd be fantastic. Excellent. The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you. I literally have filled most of it out already. The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can? Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower? Where do you think you fit yourself? The middle? Yep. Yep. Perfect. If the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling? Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip? Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure? How do you think you might fit into that category? Yeah. Absolutely. Fantastic. And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property? Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property? How do you see yourself bidding? Property. Yeah. That's okay. Absolutely. Perfect. Now having a look at that one there, you have scored as a growth investor. So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed interest. As I kinda mentioned before, we're tracking to try and obtain a compounded annual return of between seven to 9% as an average, but you wanna get the best you can. So we know some years you'll get a seven or 9%. Some years it might be a one or 2%. Other years, it could be a 15 or 20%. It just depends on market reactions, but it's about investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns. It is always hard to know that they are negative to any portfolio, and that markets do see downtime. In this kind of environment, we'd expect the likelihood of a negative return about one in every five years. But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon. And that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead of you at the moment. In saying that, do you feel you're comfortable in that growth environment at the moment? Yes? Mhmm. Yeah. No. That's it. That's okay. That's absolutely fine. Yes. That's alright. So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three. So you're kind of not all aggressive, not all defensive. You're kind of in that middle range at the moment. Do you feel like that's where you are comfortable where you wanna be for the moment? Yeah. Yeah. That's okay. There's definitely no wrong answer. In all honesty, I've got clients who are in their fifties who wear black and blue. They're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn. I've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself. But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk. There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through. If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more. But right now, that portfolio does generally suit where you're at age and stage wise. I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you. Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you. How does that sound? Yeah. All good. I know I do go through a lot there, Richard. Do you have any questions or anything that you kinda wanted me to touch base on? I'm sorry. No. Yeah. Yep. That's absolutely fine. That's perfect. Well, I've got your ongoing service agreement in there for you. You do pay an ongoing service fee of 1.65 percent for our services. That's the yearly fee, and it's deducted in smaller monthly increments. They're the same as it has been for the last couple of years. All of those documents I've gone through are in there, and our financial services guide is also attached for you. In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up? What would you like to see down the track, or you're just happy with a review once a year? What would you like to see? Yeah. Yeah. Yeah. Yep. Absolutely. Not a problem at all. If that ever changes and you want something additional or you have any additional questions, please let me know. It's not a problem. In the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things. The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income protection. I need one of them to do a bit of a free assessment with you, just an updated questionnaire around your health just to make sure that when we go and look at increasing your income protection, we understand, you know, how it might be assessed by the insurance and what your health scenario looks like. Are you comfortable if I get someone to give you a call maybe next week and just run through a quick five minute free assessment with you? Yep. Fantastic. Is there you sort of said after 05:00. Is there a day next week that might be more preferable for someone to give you a call late in the afternoon. Yep. Absolutely. What if I get one of my team to give you a call maybe next Wednesday, say, 04:30, 05:00, or would that be a bit late? Yep. Yeah. No. It'll be really quick. It's not a problem at all. My admin team is Samantha. She's absolutely beautiful. She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you. Not a problem. Easy. If it's okay, I'd love to book you in now to go through your advice document as well. It takes me about two to three weeks to complete the research there. Is is that after 04:00? I can organize a time if you're comfortable with it. Sorry. Where are we? We are in August 6 today. I can do in three weeks on Tuesday, the twenty fifth, at 5PM. If that would be okay with you? Yep. That's okay. What I'll do is I'll send a text message reminder there for you. So it'll send you a reminder to let you know I'll be giving you a call. If you find that doesn't suit, you can just let us know. We can happily reschedule that. Is that okay? Fantastic. We'll make sure we get that research all completed there for you. I will let you go, so thank you so much for your time. I really appreciate it, and I hope you have a good afternoon. Thanks, Richard. Have a great afternoon. See you later. 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Richard. It's Dana from Okey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had people think that they go through the annual review. Is now still a good time there for you? No. That's okay.\n\nYou're fine. Now that you've got a bit going on in the background there. Poor thing. I feel so I feel I understand. It's all good.\n\nIs now still you're right. Is now still a good time? Because if it's not, I could always reschedule. I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule. That's good.\n\nYeah. No. That's okay. That's completely understandable. Well, let's sort of jump into things so I don't take up too much of your time.\n\nIf you do happen to need to take a break or you need me to stop, just go, hey. Stop, you know, shut up for a second, and I'll I'll happily stop there for you. Okay? Oh, good. Easy.\n\nAnd, Richard, before we end the call, just to let you know we do record our calls for quality and training purposes. Are you okay for us to proceed with that? Yep. Fantastic. And just to do a really quick security check there with you as well, just because I'm discussing your personal information.\n\nJust to confirm your full name, your date of birth, and address that you have on file. Yep. Beautiful. Thank you so much for that. So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there.\n\nI know I don't know if now is a good time for you to access your emails. Did you wanna pull up the email to go through things, or did you want me just to run through things and you can have a look at it later when you've got more time there? What would you prefer? Yeah. Yeah.\n\nYou've had a few of these. You know how they kind of go. Yeah. That's absolutely fine. I've sent the email through so it is there when you do get a chance to have a look at them later.\n\nBut just to give you an update on your state for this, your balance this time last year, you were at a 120,472 and 59¢. Looking at your balance now, you're up to a 142,695 and 53. So we have seen some growth there, which is good. The market has been a lot of ups and downs to see with everything that's been going on globally there. But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there.\n\nI have had a bit of a look at your portfolio there. One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio. You have got one of your underlying investments, the Benelon Australian Equity. That was originally put into your portfolio as more of an actively managed fund. The idea of an active fund is that the fund manager is trying to outperform the market, but this investment hasn't been able to do so.\n\nAnd while you've still seen a really good return, I think your portfolio could have done a bit better. Would you like me I would love to if you gave me the opportunity to do so, go back and have a look at your investments, maybe reassess your super, and do a bit of a switch and look at what we can maybe replace things with to keep it working a bit harder moving forward. Would you be open to that, and do you have any questions? Yeah. Yeah.\n\nNo. That's okay. And where you are at the moment, with the kind of portfolio you're in, it's more of a growth environment. So whilst we wanna get the best returns we can, I'd love to see you getting, you know, a twelve, thirty, 20% return as often as possible, but we know with market fluctuations, it's not always possible. So with the growth portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis.\n\nSo to receive that return you've got this year, net of fees, is still really good. It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better. And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things. I can also see in here you also got the bank hybrid. These were putting your portfolio as more of a defensive investment.\n\nThey are more of a complex kind of investment as well. And moving down the track in the next couple of years, the government is moving to phase those out. So I would love to take that out, replace that investment now while we can, and also move any underperforming investors. And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you. Are you open to me doing that for you?\n\nYeah. Beautiful. Beautiful. I did the review of your portfolio before, and I was like, look. I think we can do some better things here, and it's good to keep updating that as markets do change as well.\n\nThose investments that were good a couple of years ago might need to be changed down the track here. So I'm happy to go back and do that for you if you're comfortable. As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice. It's all part of the ongoing service so that you do pay for our services. Okay?\n\nYep. Beautiful. That is a lot, and I'm so sorry. But do you have any questions? Have any questions come up out of any of that at all?\n\nYeah. Yep. Beautiful. No. That's fan fantastic.\n\nWell, I'll make sure I look after you. And part of what I love about being an adviser is the educational value there. So please let me know if you do have questions. Do you wanna understand something a little bit more? Let me know.\n\nI'm more than happy to break it down and help you out. One of the things I love about being an adviser as well. Okay. Easy. Fantastic.\n\nNow the other thing that sort of goes through is the insurance aspect here. So with your insurances, you've got a Clearview insurance policy there. You've got your life and TBD. The current sum insured for those is 746,930. So when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7.46 930, plus your super balance on top of that can be paid out as well.\n\nThat essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625. In the event of you passing away, what is it that you what's your goal with regard to the insurance? What would you be wanting that money to cover? Yep. Yep.\n\nBeautiful. So having a look at the debt, I've got down here your main primary residence. Last valuation was 515,000 last year, but it looks like you have no debt on that property. Is that correct? Okay.\n\nNo problem. I will just pop that in there. Sorry about that. I was getting a bit excited that you owned your property outright. All good.\n\nAnd what's the value would you put on the property at the moment? Yep. Yep. Beautiful. Lovely.\n\nSo if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit? Nope. That's okay. So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000. That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well.\n\nDo you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that? That's perfect. That's absolutely that's very valid. Not a problem at all. Easy.\n\nBut we can leave it as is. If you ever decide you wanted to kinda come and look at that, please let me know. I'm more than happy to reevaluate it. These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well. So the policy goes through renewal, and the sum insured is indexed.\n\nSupposed to be keeping up with DPI. It does also mean the premiums get more expensive as well. So we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well. Okay? Excellent.\n\nYou do have the same level of of PVD as you do of life. Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment. Tax is deducted from the withdrawal at up to 22%. It could be less than that. And as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible.\n\nI wholeheartedly disagree that it should be taxable. I think if you're disabled and not able to go to work, you should not be paying tax on that money. That's terrifying. But you have the same level of cover. And with TBD, again, if you are totally incapacitated, we can also claim that against this Uber.\n\nSo it means before the tax side of things, you could receive up to 800 oh, sorry. 889,625 again. Do you feel like that between your TCD and your super is enough currently? Did you wanna look at that again, or do you have any questions? Correct.\n\nYep. That's absolutely fine. That's not a problem at all. The other thing you've got here is your income protection. Your income protection can cover up to 70% of your free tax income if you're off work due to illness or injury.\n\nYour income I had noticed here at the moment was 84,000 last year. Are you still on the same income, or have you got any increase on that at all? Yeah. That's okay. What are you on now?\n\n130,000. Okay. That's a pretty big jump. That's fantastic, though. No.\n\nI'm sure you're worth it. All good. Now having a absolutely. You are. Definitely.\n\nThe income protection benefit you have at the moment, me, shows that your some insured that you could claim pretax is 4,961 on a monthly basis. Based on your current sorry. It's $4,961 on a monthly basis. That's the income protection monthly benefit that you're insured for. Sorry.\n\nNo. No. You're fine. I'm so sorry. I was having a cough.\n\nI do apologize about that. So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis. Based on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit. It is quite a difference there. If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax.\n\nSo if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have. Do you feel like that's sufficient if you were on an income protection claim? Did you wanna maybe look at reviewing the amount? Yep. Yeah.\n\nIt's a tough one because it's a tough one. It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future. It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim. Yeah. Yep.\n\nThat's okay. Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you? Yep. Yep. Beautiful.\n\nExcellent. Thank you for that. With your income protection policy, you do have a thirty day waiting period and a five year benefit period. So you would only have to be off work for thirty days prior to making a claim and then off work for about five you can be off work for five years. You can be on a claim for up to five years.\n\nAt that five year mark, if you still can't go back to work, the claim stops regardless. So it's always at risk of how long you could be on an income protection claim for. You can also increase it to age 65. Admittedly, that does make the policy a lot more expensive again. So it's more just juggling how long do you think you would need to be on a claim for if something was to occur.\n\nA five year benefit is good because most claims are finished within the first year or two. And if you can imagine, insurance companies, they don't really wanna pay the claim for a long time. So as soon as you're off work, they're finding out how they can get you back to work as quickly as possible. So do you feel you're right. Mhmm.\n\nYep. Yeah. Yep. Yep. No.\n\nThat's okay. That's perfect. You well, the longest you can have a claim going for is age 65. Those premiums do become quite expensive. You're right.\n\nThis order is just two years. You can have a two year benefit period or a five year benefit period or to age 65. Yep. Mhmm. Okay.\n\nYeah. Yep. That's absolutely fine. So you're happy for me to look at increasing the monthly benefit in line with that income of a 130,000, but decrease the benefit period for you to two years to keep it cost effective? Yeah.\n\nYep. Absolutely. What I'll do is I will include that into the advice piece there for you. So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching. But then we'll also show you what we're recommending with the increase of the income protection, how that looks, how that is projected over the next ten years, and how that sort of affects you.\n\nDoes that sound okay? Yep. Fantastic. Excellent. Now you probably you seem like you're pretty across insurances as a whole.\n\nYou don't have any other types of personal insurances like, say, trauma. Has anyone ever gone through trauma with you? What it is, how it works, how it's paid, what it covers? No. That's okay.\n\nSo trauma is like another type of insurance. It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's. Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that. Trauma, unlike income protection, doesn't have a waiting period. It doesn't have a work test either.\n\nSo trauma pays out as an example, like, if you got cancer and say you were still able to go to work, you can't claim more in income protection because you don't meet the waiting period, but you can claim on that trauma policy. Some people have trauma to kind of fill in the gap of that waiting period for income protection. The downside of trauma is that unlike your life saving income protection, you can't pay for inside super. It has to be out of your back pocket. So a lot of people tend to not have trauma because of the expenditure side of things.\n\nDo you feel like it's something you would like to look at, or you're comfortable not considering trauma? What would you how do you feel does it fit for you? Yep. Yep. That's absolutely fine.\n\nNot a problem at all. We'll make sure that we just kinda raise that with you each year. If you ever find you do wanna come back to that, please let me know. It's not a problem at all. Okay?\n\nIn the in the email I do have there for you, you have your I have 24 performance of support. It's also got a summary of your superannuation balance and insurances, and it's also got a run through of your Clearview certificate of currency that runs through the insurances as I've gone through and kind of breaks down that for you as well. Okay? Excellent. Just to kinda go through and update a couple of details of your circumstances.\n\nSo I've updated a few things here already for you. Just with your job role, I've got down here that your occupation is first aid. Is that still considered your occupation, or what's your occupation now? Yep. Manager.\n\nLovely. Excellent. And you said that you work from home about three days a week as well? Yes. Fantastic.\n\nDo you have to do much in the way of travel for your work? You do? Yep. No. That's okay.\n\nAll good. And you mentioned that you're about 9% off the space. Is that right? Yep. Yep.\n\nThat's absolutely perfect. Fantastic. Thank you for that. I've got your income updated here as well, which is fantastic. Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments?\n\nYep. No. No. Very popular at the moment. I see people going to Japan.\n\nIs that booked for later this year? Or fantastic. Oh, fantastic. That's amazing. I have not been to Japan yet.\n\nI've done a lot of other places, but not Japan, but everyone tells me it's incredible. Then oh, fantastic. If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away? Yep. Beautiful.\n\nExcellent. And now just sort of double checking. It doesn't look like you're making any additional contributions to Super at the moment, over and above your normal employer. Normal employer. Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things?\n\nWhat's your sort of thoughts around that? One second. Yeah. That's absolutely fine. Not a problem at all.\n\nEasy. I was asked the question, but, honestly, your answer is completely fine. And, look, you're you're young. You're whole you've got a family, so those memories are just as important, honestly. We've got plenty of time.\n\nYou're honestly, you're the same age as me, so do not worry. We are still plenty young. We have a lot of time ahead of us to be able to, a, make those memories, but then they come back later on and start making salary sacrifice and additional contributions and build super. The other benefit we have is that we've had super since we basically started our working life, whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later. And super wasn't a thing until the early nineties.\n\nIt wasn't compulsory. So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track. So there's no need to stress or worry about the sales tax. We can always come back and look at that down the track. There's no time there's no too late to start.\n\nStarting whenever it's comfortable for you is probably the most important aspect. Okay? Excellent. All good. And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment.\n\nThat is something I would love to rectify. So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset. So in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after. Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied? Yes.\n\nNo. That's okay. That's okay. That's why I kind of go and look. I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out.\n\nWe just need approval from you to do so. Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney? Is that correct? Yes. Beautiful.\n\nAnd just confirming, does Courtney have the same surname as you, or what is what's her surname? Easy. Oh, fantastic. Just so I do that correctly. And same residential address as yourself?\n\nYep. Fantastic. And a hard question, what is Courtney's date of birth? Yep. 1990.\n\nFantastic. Thank you for that. So my team will place all the documents for you to make it easier when that comes through. We'll just need you to sign and have a witness. It just needs to be two witnesses over the 18.\n\nOne of those cannot be Courtney. And then if you send it back to us, we'll have that applied. I will double check against your Clearview life policy to make sure that that is also applied and correct. If it's not, I'll make sure we get that appraisal, that beneficiary nomination for you as well. Does that sound okay?\n\nYep. Fantastic. And just to confirm, there are a couple of different types of nomination that you can choose from. The first type is a nonbinding nomination. Essentially, by ticking that box, it means that you're telling the super funds that you would like the benefit to be paid to Courtney in the event of something happening.\n\nHowever, at the time of passing, the trustee gets to decide whether they follow your direction or not. You can also have it as a binding nomination, which the trustee has to follow your direction, but you have to keep signing that same form every three years. Or I can do it as a binding non lapsing nomination. It binds the trustee to follow your direction, and you only fill one form out. We never fill out another one unless you wanna revoke or change your beneficiary.\n\nDo you know which way you'd like me to go? Yeah. So this may have to refill it every three years. You can choose the last one, have it binding nonlung thing if you like, because we do reviews with you every year, so we can keep bringing it up and checking that your nomination's correct. And when and if you ever wanna revoke it, we can help you with that.\n\nYep. Beautiful. Happy for you to go whichever way is more comfortable for yourself, but we do help we do help you to review it. So not everyone wants to fill out the form again every three years. And if there is any point that it has to be reviewed, because we bring it up every year and check it with you, you can always go, hey.\n\nNo. That's not right. We wanna change that now, and we'll make sure we you out with that. Fantastic. Well, I'll get those documents ready to go there for you.\n\nI can also see here on your last back line, you've not really had a will and power of attorney set up. Is that something that you guys have talked about in the past? Yep. No. That's okay.\n\nIt is definitely something to have a conversation about, especially having kids, and you've worked really hard. You've got your house and your savings and things like that. Doing up a a will and the power of attorney, just protect everything else that you've worked so hard for. And the other thing that's probably really important is also having, like, a guardianship set up. So if something was to happen to yourself and Courtney, what do you want to happen to the kids?\n\nHow do you want the funds to be held, paid out? Who are you gonna look after the kids? There's quite a lot to sort of think about there. So it is definitely something to have that conversation. It's not a great conversation.\n\nI completely get that. But it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well. All good. The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets. I've got your cash in the bank.\n\nSo you had some savings about 8,000 last year. Do you still have that in savings, or has that changed? Yeah. Yep. Yep.\n\nThat's absolutely fine. Beautiful. And then the I've got your car down as well. You had a value on the vehicle of about 8,000 last year. Would you keep the value the same or change that?\n\nYeah. $88,000 is fine. Not a problem at all. Beautiful. And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on?\n\nNo. That's okay. Another asset I would like to note down is contents as well. Do you have contents insurance? Yep.\n\nDo you know what value you would put on your contents or you have on your insurance policy? Yep. Beautiful. Fantastic. Excellent.\n\nWell, thank you so much for updating those details there for me. Just sort of double checking goal wise as well. When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young. I don't project all the way out to retirement. I just look at the next five to ten years solely because there's too many things that could change in that time frame for you.\n\nBut long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully? Are you sort of hoping the earliest age possible, or do you think you're likely to work to 65? What do you sort of think? Hard. Yeah.\n\nYeah. No. Definitely not. Yep. Absolutely.\n\nSo the earliest you're able to access super is 60. If you wanna look at retiring earlier, we'll definitely need to look at, you know, providing advice and building wealth outside of super either by way of, you know, a shared portfolio or contributing that way or investment properties and things like that. But if you get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah. I'm done. I wanna retire.\n\nWe'll definitely make it happen. Look at what you need to live on and how that works for you and provide advice for suit. And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for you. Okay? Excellent.\n\nDo you have any other goals that you're looking to achieve over the next couple of years at all? I know you've got that trip to Japan, which is fantastic. But any other goals that you're sort of looking to achieve? Yes. Yeah.\n\nYeah. Yeah. Absolutely. So the broker you may have spoken to a while ago would be different. He has retired.\n\nI've actually got some other really great brokers that we can refer you through to if you're comfortable with me doing so. One of those is Fabian, who is honestly fantastic. He can look at what your, you know, borrowing capacity is, look at whether borrowing now is appropriate or down the track and what you're sort of after. Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity? Yeah.\n\nAbsolutely. Not a problem at all. So with the email I send out, it goes to yourself and to Fabian. I just need permission from you to pop in your name, your email, your sorry. Contact phone number.\n\nIs that okay if I give him those personal details? Fantastic. And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity? After four PM. Yeah.\n\nNo. That's absolutely okay. That's not a problem at all. I'll organize that for you. No issues.\n\nI'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try. And they're really great. They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property. Hopefully, you find what you're after. That'd be fantastic.\n\nExcellent. The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you. I literally have filled most of it out already. The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can? Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower?\n\nWhere do you think you fit yourself? The middle? Yep. Yep. Perfect.\n\nIf the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling? Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip? Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure? How do you think you might fit into that category? Yeah.\n\nAbsolutely. Fantastic. And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property? Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property? How do you see yourself bidding?\n\nProperty. Yeah. That's okay. Absolutely. Perfect.\n\nNow having a look at that one there, you have scored as a growth investor. So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed interest. As I kinda mentioned before, we're tracking to try and obtain a compounded annual return of between seven to 9% as an average, but you wanna get the best you can. So we know some years you'll get a seven or 9%. Some years it might be a one or 2%.\n\nOther years, it could be a 15 or 20%. It just depends on market reactions, but it's about investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns. It is always hard to know that they are negative to any portfolio, and that markets do see downtime. In this kind of environment, we'd expect the likelihood of a negative return about one in every five years. But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon.\n\nAnd that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead of you at the moment. In saying that, do you feel you're comfortable in that growth environment at the moment? Yes? Mhmm. Yeah.\n\nNo. That's it. That's okay. That's absolutely fine. Yes.\n\nThat's alright. So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three. So you're kind of not all aggressive, not all defensive. You're kind of in that middle range at the moment. Do you feel like that's where you are comfortable where you wanna be for the moment?\n\nYeah. Yeah. That's okay. There's definitely no wrong answer. In all honesty, I've got clients who are in their fifties who wear black and blue.\n\nThey're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn. I've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself. But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk. There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through. If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more.\n\nBut right now, that portfolio does generally suit where you're at age and stage wise. I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you. Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you. How does that sound? Yeah.\n\nAll good. I know I do go through a lot there, Richard. Do you have any questions or anything that you kinda wanted me to touch base on? I'm sorry. No.\n\nYeah. Yep. That's absolutely fine. That's perfect. Well, I've got your ongoing service agreement in there for you.\n\nYou do pay an ongoing service fee of 1.65 percent for our services. That's the yearly fee, and it's deducted in smaller monthly increments. They're the same as it has been for the last couple of years. All of those documents I've gone through are in there, and our financial services guide is also attached for you. In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up?\n\nWhat would you like to see down the track, or you're just happy with a review once a year? What would you like to see? Yeah. Yeah. Yeah.\n\nYep. Absolutely. Not a problem at all. If that ever changes and you want something additional or you have any additional questions, please let me know. It's not a problem.\n\nIn the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things. The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income protection. I need one of them to do a bit of a free assessment with you, just an updated questionnaire around your health just to make sure that when we go and look at increasing your income protection, we understand, you know, how it might be assessed by the insurance and what your health scenario looks like. Are you comfortable if I get someone to give you a call maybe next week and just run through a quick five minute free assessment with you? Yep.\n\nFantastic. Is there you sort of said after 05:00. Is there a day next week that might be more preferable for someone to give you a call late in the afternoon. Yep. Absolutely.\n\nWhat if I get one of my team to give you a call maybe next Wednesday, say, 04:30, 05:00, or would that be a bit late? Yep. Yeah. No. It'll be really quick.\n\nIt's not a problem at all. My admin team is Samantha. She's absolutely beautiful. She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you. Not a problem.\n\nEasy. If it's okay, I'd love to book you in now to go through your advice document as well. It takes me about two to three weeks to complete the research there. Is is that after 04:00? I can organize a time if you're comfortable with it.\n\nSorry. Where are we? We are in August 6 today. I can do in three weeks on Tuesday, the twenty fifth, at 5PM. If that would be okay with you?\n\nYep. That's okay. What I'll do is I'll send a text message reminder there for you. So it'll send you a reminder to let you know I'll be giving you a call. If you find that doesn't suit, you can just let us know.\n\nWe can happily reschedule that. Is that okay? Fantastic. We'll make sure we get that research all completed there for you. I will let you go, so thank you so much for your time.\n\nI really appreciate it, and I hope you have a good afternoon. Thanks, Richard. Have a great afternoon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Richard.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.14822052046656609},{"text":"It's Dana from Okey Financial.","start":3.4399998,"end":5.14,"sentiment":"neutral","sentiment_score":0.20009865760803222},{"text":"How are you this afternoon?","start":5.2799997,"end":6.58,"sentiment":"neutral","sentiment_score":0.23216846585273743},{"text":"I'm very well.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.590481678644816},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.6612748503684998}],"sentiment":"neutral","sentiment_score":0.32657478793578987,"num_words":17,"start":2.8,"end":9.679999},{"sentences":[{"text":"Thanks for asking.","start":9.679999,"end":10.74,"sentiment":"positive","sentiment_score":0.6163453857103983},{"text":"I had people think that they go through the annual review.","start":10.88,"end":13.44,"sentiment":"neutral","sentiment_score":0.22434174879030747},{"text":"Is now still a good time there for you?","start":13.44,"end":15.435,"sentiment":"neutral","sentiment_score":0.21164570252100626},{"text":"No.","start":18.555,"end":18.715,"sentiment":"neutral","sentiment_score":-0.08697876334190369},{"text":"That's okay.","start":18.715,"end":19.595001,"sentiment":"neutral","sentiment_score":0.0071859294548630714}],"sentiment":"neutral","sentiment_score":0.2364999927723637,"num_words":26,"start":9.679999,"end":19.595001},{"sentences":[{"text":"You're fine.","start":19.595001,"end":20.415,"sentiment":"neutral","sentiment_score":0.10998744145035744},{"text":"Now that you've got a bit going on in the background there.","start":20.635,"end":23.295,"sentiment":"neutral","sentiment_score":-0.017390253332753975},{"text":"Poor thing.","start":30.07,"end":30.97,"sentiment":"neutral","sentiment_score":-0.22896426916122437},{"text":"I feel so I feel I understand.","start":31.03,"end":33.05,"sentiment":"neutral","sentiment_score":-0.11982847696968488},{"text":"It's all good.","start":33.59,"end":34.57,"sentiment":"neutral","sentiment_score":0.23905145873626074}],"sentiment":"neutral","sentiment_score":-0.021856986845915135,"num_words":26,"start":19.595001,"end":34.57},{"sentences":[{"text":"Is now still you're right.","start":35.19,"end":36.79,"sentiment":"neutral","sentiment_score":0.165095779299736},{"text":"Is now still a good time?","start":36.79,"end":37.989998,"sentiment":"neutral","sentiment_score":0.15120005359252295},{"text":"Because if it's not, I could always reschedule.","start":37.989998,"end":39.93,"sentiment":"neutral","sentiment_score":0.10613893251866102},{"text":"I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule.","start":40.07,"end":45.985,"sentiment":"neutral","sentiment_score":0.12030380681157112},{"text":"That's good.","start":49.085003,"end":49.985,"sentiment":"neutral","sentiment_score":-0.25536471605300903}],"sentiment":"neutral","sentiment_score":0.11040557426926882,"num_words":46,"start":35.19,"end":49.985},{"sentences":[{"text":"Yeah.","start":52.685,"end":53.005,"sentiment":"neutral","sentiment_score":-0.03769271448254585},{"text":"No.","start":53.005,"end":53.245003,"sentiment":"neutral","sentiment_score":-0.08671385049819946},{"text":"That's okay.","start":53.245003,"end":53.965004,"sentiment":"neutral","sentiment_score":-0.039190297946333885},{"text":"That's completely understandable.","start":53.965004,"end":55.265,"sentiment":"neutral","sentiment_score":-0.032668674985567726},{"text":"Well, let's sort of jump into things so I don't take up too much of your time.","start":55.405003,"end":58.625,"sentiment":"neutral","sentiment_score":-0.03249995311831727}],"sentiment":"neutral","sentiment_score":-0.03555384953506291,"num_words":24,"start":52.685,"end":58.625},{"sentences":[{"text":"If you do happen to need to take a break or you need me to stop, just go, hey.","start":59.0,"end":62.92,"sentiment":"neutral","sentiment_score":-0.0057459274846080105},{"text":"Stop, you know, shut up for a second, and I'll I'll happily stop there for you.","start":62.92,"end":66.52,"sentiment":"neutral","sentiment_score":0.03526843688450754},{"text":"Okay?","start":66.52,"end":67.02,"sentiment":"neutral","sentiment_score":0.04288173466920853},{"text":"Oh, good.","start":68.12,"end":68.86,"sentiment":"neutral","sentiment_score":0.21053890138864517},{"text":"Easy.","start":69.08,"end":69.58,"sentiment":"neutral","sentiment_score":0.20787286758422852}],"sentiment":"neutral","sentiment_score":0.02889627623013579,"num_words":39,"start":59.0,"end":69.58},{"sentences":[{"text":"And, Richard, before we end the call, just to let you know we do record our calls for quality and training purposes.","start":69.64,"end":74.645,"sentiment":"neutral","sentiment_score":0.07005673545328053},{"text":"Are you okay for us to proceed with that?","start":75.025,"end":77.604996,"sentiment":"neutral","sentiment_score":0.04587937022248904},{"text":"Yep.","start":79.345,"end":79.825,"sentiment":"neutral","sentiment_score":0.19497478008270264},{"text":"Fantastic.","start":79.825,"end":80.325,"sentiment":"positive","sentiment_score":0.414122462272644},{"text":"And just to do a really quick security check there with you as well, just because I'm discussing your personal information.","start":80.784996,"end":85.604996,"sentiment":"neutral","sentiment_score":0.18843436241149902}],"sentiment":"neutral","sentiment_score":0.12074780305502592,"num_words":54,"start":69.64,"end":85.604996},{"sentences":[{"text":"Just to confirm your full name, your date of birth, and address that you have on file.","start":86.189995,"end":89.81,"sentiment":"neutral","sentiment_score":0.0988903028123519},{"text":"Yep.","start":92.11,"end":92.61,"sentiment":"neutral","sentiment_score":0.02844135090708733},{"text":"Beautiful.","start":95.46999,"end":95.96999,"sentiment":"positive","sentiment_score":0.48199912905693054},{"text":"Thank you so much for that.","start":96.11,"end":97.729996,"sentiment":"positive","sentiment_score":0.5572192917267481},{"text":"So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there.","start":98.03,"end":103.784996,"sentiment":"neutral","sentiment_score":0.14050657954066992}],"sentiment":"neutral","sentiment_score":0.18177651606348097,"num_words":49,"start":86.189995,"end":103.784996},{"sentences":[{"text":"I know I don't know if now is a good time for you to access your emails.","start":103.924995,"end":107.045,"sentiment":"neutral","sentiment_score":0.006477278657257557},{"text":"Did you wanna pull up the email to go through things, or did you want me just to run through things and you can have a look at it later when you've got more time there?","start":107.045,"end":114.244995,"sentiment":"neutral","sentiment_score":0.028936666928024754},{"text":"What would you prefer?","start":114.244995,"end":115.384995,"sentiment":"neutral","sentiment_score":0.01871518697589636},{"text":"Yeah.","start":117.42999,"end":117.92999,"sentiment":"neutral","sentiment_score":0.08052844554185867},{"text":"Yeah.","start":120.149994,"end":120.46999,"sentiment":"neutral","sentiment_score":0.0678207278251648}],"sentiment":"neutral","sentiment_score":0.02330582487886235,"num_words":59,"start":103.924995,"end":120.46999},{"sentences":[{"text":"You've had a few of these.","start":120.46999,"end":121.59,"sentiment":"neutral","sentiment_score":0.04875541664659977},{"text":"You know how they kind of go.","start":121.59,"end":123.13,"sentiment":"neutral","sentiment_score":0.0531895426767213},{"text":"Yeah.","start":123.35,"end":123.59,"sentiment":"neutral","sentiment_score":0.129867821931839},{"text":"That's absolutely fine.","start":123.59,"end":125.59,"sentiment":"positive","sentiment_score":0.48153985540072125},{"text":"I've sent the email through so it is there when you do get a chance to have a look at them later.","start":125.59,"end":129.76999,"sentiment":"neutral","sentiment_score":0.28590449555353686}],"sentiment":"neutral","sentiment_score":0.21869860484431952,"num_words":39,"start":120.46999,"end":129.76999},{"sentences":[{"text":"But just to give you an update on your state for this, your balance this time last year, you were at a 120,472 and 59¢.","start":130.045,"end":138.70499,"sentiment":"neutral","sentiment_score":0.12531634358068308},{"text":"Looking at your balance now, you're up to a 142,695 and 53.","start":139.165,"end":144.59999,"sentiment":"neutral","sentiment_score":0.20827380195260048},{"text":"So we have seen some growth there, which is good.","start":144.59999,"end":146.94,"sentiment":"positive","sentiment_score":0.5479105830192565},{"text":"The market has been a lot of ups and downs to see with everything that's been going on globally there.","start":147.48,"end":152.29999,"sentiment":"neutral","sentiment_score":-0.11898773610591888},{"text":"But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there.","start":152.59999,"end":161.91501,"sentiment":"positive","sentiment_score":0.4464325959032232}],"sentiment":"neutral","sentiment_score":0.2094062055376443,"num_words":89,"start":130.045,"end":161.91501},{"sentences":[{"text":"I have had a bit of a look at your portfolio there.","start":163.015,"end":166.235,"sentiment":"neutral","sentiment_score":0.1265515722334385},{"text":"One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio.","start":166.615,"end":175.1,"sentiment":"neutral","sentiment_score":0.21896913810633123},{"text":"You have got one of your underlying investments, the Benelon Australian Equity.","start":175.24,"end":179.18001,"sentiment":"neutral","sentiment_score":0.1177890660862128},{"text":"That was originally put into your portfolio as more of an actively managed fund.","start":179.8,"end":184.3,"sentiment":"neutral","sentiment_score":0.039159106356757026},{"text":"The idea of an active fund is that the fund manager is trying to outperform the market, but this investment hasn't been able to do so.","start":184.935,"end":193.015,"sentiment":"neutral","sentiment_score":-0.11309123189690021}],"sentiment":"neutral","sentiment_score":0.07861412019701675,"num_words":96,"start":163.015,"end":193.015},{"sentences":[{"text":"And while you've still seen a really good return, I think your portfolio could have done a bit better.","start":193.015,"end":198.715,"sentiment":"neutral","sentiment_score":-0.21453199417967544},{"text":"Would you like me I would love to if you gave me the opportunity to do so, go back and have a look at your investments, maybe reassess your super, and do a bit of a switch and look at what we can maybe replace things with to keep it working a bit harder moving forward.","start":199.08,"end":211.31999,"sentiment":"neutral","sentiment_score":0.19845902786723205},{"text":"Would you be open to that, and do you have any questions?","start":211.31999,"end":213.9,"sentiment":"neutral","sentiment_score":0.11176813362787168},{"text":"Yeah.","start":221.725,"end":221.885,"sentiment":"neutral","sentiment_score":0.10701426863670348},{"text":"Yeah.","start":221.885,"end":222.285,"sentiment":"neutral","sentiment_score":0.07420282065868378}],"sentiment":"neutral","sentiment_score":0.09618013892113493,"num_words":89,"start":193.015,"end":222.285},{"sentences":[{"text":"No.","start":222.285,"end":222.525,"sentiment":"neutral","sentiment_score":0.0005308762192726135},{"text":"That's okay.","start":222.525,"end":223.345,"sentiment":"neutral","sentiment_score":0.0849153958261013},{"text":"And where you are at the moment, with the kind of portfolio you're in, it's more of a growth environment.","start":223.805,"end":227.825,"sentiment":"neutral","sentiment_score":0.05095913838595152},{"text":"So whilst we wanna get the best returns we can, I'd love to see you getting, you know, a twelve, thirty, 20% return as often as possible, but we know with market fluctuations, it's not always possible.","start":228.045,"end":238.81999,"sentiment":"neutral","sentiment_score":0.09874872279328269},{"text":"So with the growth portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis.","start":239.28,"end":246.545,"sentiment":"neutral","sentiment_score":0.19091026789762758}],"sentiment":"neutral","sentiment_score":0.11028381795963137,"num_words":82,"start":222.285,"end":246.545},{"sentences":[{"text":"So to receive that return you've got this year, net of fees, is still really good.","start":246.765,"end":250.92499,"sentiment":"positive","sentiment_score":0.4656166024506092},{"text":"It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better.","start":250.92499,"end":257.41,"sentiment":"neutral","sentiment_score":0.1993628123944456},{"text":"And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things.","start":257.41,"end":263.99,"sentiment":"neutral","sentiment_score":0.004945007264614105},{"text":"I can also see in here you also got the bank hybrid.","start":264.21,"end":266.95,"sentiment":"neutral","sentiment_score":0.06021359438697497},{"text":"These were putting your portfolio as more of a defensive investment.","start":267.385,"end":271.165,"sentiment":"neutral","sentiment_score":0.010571062564849854}],"sentiment":"neutral","sentiment_score":0.1488176455158134,"num_words":86,"start":246.765,"end":271.165},{"sentences":[{"text":"They are more of a complex kind of investment as well.","start":271.625,"end":274.665,"sentiment":"neutral","sentiment_score":-0.008042316206476906},{"text":"And moving down the track in the next couple of years, the government is moving to phase those out.","start":274.665,"end":279.305,"sentiment":"neutral","sentiment_score":-0.019974926976781143},{"text":"So I would love to take that out, replace that investment now while we can, and also move any underperforming investors.","start":279.305,"end":286.28,"sentiment":"neutral","sentiment_score":0.13679770557653337},{"text":"And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you.","start":286.28,"end":292.28,"sentiment":"neutral","sentiment_score":0.07693668594583869},{"text":"Are you open to me doing that for you?","start":292.28,"end":294.46,"sentiment":"neutral","sentiment_score":0.07122118812468317}],"sentiment":"neutral","sentiment_score":0.05824087954880226,"num_words":84,"start":271.625,"end":294.46},{"sentences":[{"text":"Yeah.","start":296.295,"end":296.795,"sentiment":"neutral","sentiment_score":0.17260175943374634},{"text":"Beautiful.","start":297.015,"end":297.515,"sentiment":"positive","sentiment_score":0.5440050363540649},{"text":"Beautiful.","start":297.655,"end":298.055,"sentiment":"positive","sentiment_score":0.4903457164764404},{"text":"I did the review of your portfolio before, and I was like, look.","start":298.055,"end":300.535,"sentiment":"neutral","sentiment_score":0.1407958661707548},{"text":"I think we can do some better things here, and it's good to keep updating that as markets do change as well.","start":300.535,"end":305.915,"sentiment":"positive","sentiment_score":0.4721472419121049}],"sentiment":"positive","sentiment_score":0.35327731827764136,"num_words":38,"start":296.295,"end":305.915},{"sentences":[{"text":"Those investments that were good a couple of years ago might need to be changed down the track here.","start":305.975,"end":310.14,"sentiment":"neutral","sentiment_score":0.14293203032330462},{"text":"So I'm happy to go back and do that for you if you're comfortable.","start":310.38,"end":313.36002,"sentiment":"positive","sentiment_score":0.6341617554426193},{"text":"As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice.","start":314.22,"end":323.58002,"sentiment":"neutral","sentiment_score":0.2981666425863902},{"text":"It's all part of the ongoing service so that you do pay for our services.","start":323.58002,"end":326.935,"sentiment":"neutral","sentiment_score":0.20574370821317037},{"text":"Okay?","start":327.55502,"end":328.05502,"sentiment":"neutral","sentiment_score":0.0962948426604271}],"sentiment":"neutral","sentiment_score":0.30027117589606517,"num_words":79,"start":305.975,"end":328.05502},{"sentences":[{"text":"Yep.","start":328.435,"end":328.935,"sentiment":"neutral","sentiment_score":0.17131203413009644},{"text":"Beautiful.","start":329.23502,"end":329.73502,"sentiment":"positive","sentiment_score":0.4704947769641876},{"text":"That is a lot, and I'm so sorry.","start":330.195,"end":331.55502,"sentiment":"neutral","sentiment_score":0.1364569435827434},{"text":"But do you have any questions?","start":331.55502,"end":332.83502,"sentiment":"neutral","sentiment_score":0.010919717140495777},{"text":"Have any questions come up out of any of that at all?","start":332.83502,"end":335.415,"sentiment":"neutral","sentiment_score":0.025871947407722473}],"sentiment":"neutral","sentiment_score":0.07533728683899556,"num_words":28,"start":328.435,"end":335.415},{"sentences":[{"text":"Yeah.","start":341.56,"end":342.06,"sentiment":"neutral","sentiment_score":-0.09641702473163603},{"text":"Yep.","start":355.445,"end":355.60498,"sentiment":"neutral","sentiment_score":0.07565651834011078},{"text":"Beautiful.","start":355.60498,"end":356.10498,"sentiment":"neutral","sentiment_score":0.18997381627559665},{"text":"No.","start":356.32498,"end":356.485,"sentiment":"neutral","sentiment_score":0.08264037221670151},{"text":"That's fan fantastic.","start":356.485,"end":358.10498,"sentiment":"positive","sentiment_score":0.445403516292572}],"sentiment":"neutral","sentiment_score":0.2268663187112127,"num_words":7,"start":341.56,"end":358.10498},{"sentences":[{"text":"Well, I'll make sure I look after you.","start":358.245,"end":359.925,"sentiment":"neutral","sentiment_score":0.20963075943291187},{"text":"And part of what I love about being an adviser is the educational value there.","start":359.925,"end":364.16498,"sentiment":"positive","sentiment_score":0.33504645228385926},{"text":"So please let me know if you do have questions.","start":364.16498,"end":366.3,"sentiment":"neutral","sentiment_score":0.15104051530361176},{"text":"Do you wanna understand something a little bit more?","start":366.3,"end":368.3,"sentiment":"neutral","sentiment_score":0.06812363324893846},{"text":"Let me know.","start":368.3,"end":368.86,"sentiment":"neutral","sentiment_score":0.1658983180920283}],"sentiment":"neutral","sentiment_score":0.20719901480608516,"num_words":45,"start":358.245,"end":368.86},{"sentences":[{"text":"I'm more than happy to break it down and help you out.","start":368.86,"end":371.41998,"sentiment":"positive","sentiment_score":0.4595169921716054},{"text":"One of the things I love about being an adviser as well.","start":371.41998,"end":374.13998,"sentiment":"positive","sentiment_score":0.3581387201944987},{"text":"Okay.","start":374.13998,"end":374.63998,"sentiment":"neutral","sentiment_score":0.1697537899017334},{"text":"Easy.","start":374.86,"end":375.36,"sentiment":"neutral","sentiment_score":0.21619924902915957},{"text":"Fantastic.","start":376.54,"end":377.04,"sentiment":"positive","sentiment_score":0.4484552145004273}],"sentiment":"positive","sentiment_score":0.3943065482157248,"num_words":27,"start":368.86,"end":377.04},{"sentences":[{"text":"Now the other thing that sort of goes through is the insurance aspect here.","start":377.835,"end":381.035,"sentiment":"neutral","sentiment_score":0.10282918704407555},{"text":"So with your insurances, you've got a Clearview insurance policy there.","start":381.035,"end":384.715,"sentiment":"neutral","sentiment_score":0.10530968687751076},{"text":"You've got your life and TBD.","start":384.715,"end":386.335,"sentiment":"neutral","sentiment_score":0.10073729604482651},{"text":"The current sum insured for those is 746,930.","start":386.475,"end":391.915,"sentiment":"neutral","sentiment_score":0.06997629627585411},{"text":"So when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7.46 930, plus your super balance on top of that can be paid out as well.","start":391.915,"end":409.07498,"sentiment":"neutral","sentiment_score":0.08044922358489462}],"sentiment":"neutral","sentiment_score":0.08702532464736386,"num_words":96,"start":377.835,"end":409.07498},{"sentences":[{"text":"That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625.","start":409.29498,"end":420.19498,"sentiment":"neutral","sentiment_score":0.12914462316603886},{"text":"In the event of you passing away, what is it that you what's your goal with regard to the insurance?","start":420.58002,"end":426.42,"sentiment":"neutral","sentiment_score":0.0013872164476197214},{"text":"What would you be wanting that money to cover?","start":426.42,"end":428.68002,"sentiment":"neutral","sentiment_score":0.00019221132000287375},{"text":"Yep.","start":434.34003,"end":434.745,"sentiment":"neutral","sentiment_score":0.04408648610115051},{"text":"Yep.","start":434.82498,"end":435.145,"sentiment":"neutral","sentiment_score":0.07495026290416718}],"sentiment":"neutral","sentiment_score":0.05501053973701066,"num_words":52,"start":409.29498,"end":435.145},{"sentences":[{"text":"Beautiful.","start":435.145,"end":435.645,"sentiment":"neutral","sentiment_score":0.24633631110191345},{"text":"So having a look at the debt, I've got down here your main primary residence.","start":435.705,"end":439.725,"sentiment":"neutral","sentiment_score":0.07840053911010424},{"text":"Last valuation was 515,000 last year, but it looks like you have no debt on that property.","start":440.425,"end":446.025,"sentiment":"neutral","sentiment_score":0.03918507487020072},{"text":"Is that correct?","start":446.025,"end":446.76,"sentiment":"neutral","sentiment_score":0.03276401882370313},{"text":"Okay.","start":451.56,"end":451.96002,"sentiment":"neutral","sentiment_score":-0.005151671357452869}],"sentiment":"neutral","sentiment_score":0.05896300150433908,"num_words":37,"start":435.145,"end":451.96002},{"sentences":[{"text":"No problem.","start":451.96002,"end":452.6,"sentiment":"neutral","sentiment_score":0.02088095247745514},{"text":"I will just pop that in there.","start":452.6,"end":453.64,"sentiment":"neutral","sentiment_score":-0.030216086389763013},{"text":"Sorry about that.","start":453.64,"end":454.44,"sentiment":"neutral","sentiment_score":-0.1684098094701767},{"text":"I was getting a bit excited that you owned your property outright.","start":454.44,"end":457.58002,"sentiment":"neutral","sentiment_score":-0.2627579203496377},{"text":"All good.","start":460.825,"end":461.225,"sentiment":"neutral","sentiment_score":0.06957378797233105}],"sentiment":"neutral","sentiment_score":-0.1418818306321135,"num_words":26,"start":451.96002,"end":461.225},{"sentences":[{"text":"And what's the value would you put on the property at the moment?","start":461.225,"end":464.20502,"sentiment":"neutral","sentiment_score":-0.015074833632052805},{"text":"Yep.","start":467.625,"end":468.105,"sentiment":"neutral","sentiment_score":0.011141612194478512},{"text":"Yep.","start":468.105,"end":468.505,"sentiment":"neutral","sentiment_score":0.04385766014456749},{"text":"Beautiful.","start":468.505,"end":469.005,"sentiment":"neutral","sentiment_score":0.3130149245262146},{"text":"Lovely.","start":469.14502,"end":469.64502,"sentiment":"neutral","sentiment_score":0.29207468032836914}],"sentiment":"neutral","sentiment_score":0.027300943528055486,"num_words":17,"start":461.225,"end":469.64502},{"sentences":[{"text":"So if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit?","start":469.785,"end":477.44998,"sentiment":"neutral","sentiment_score":0.011376287762282623},{"text":"Nope.","start":480.07,"end":480.31,"sentiment":"neutral","sentiment_score":-0.03845806419849396},{"text":"That's okay.","start":480.31,"end":481.03,"sentiment":"neutral","sentiment_score":0.020008785650134087},{"text":"So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000.","start":481.03,"end":489.69,"sentiment":"neutral","sentiment_score":-0.010927122005301973},{"text":"That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well.","start":490.045,"end":502.36502,"sentiment":"neutral","sentiment_score":0.008830493704105416}],"sentiment":"neutral","sentiment_score":0.005305870529264211,"num_words":110,"start":469.785,"end":502.36502},{"sentences":[{"text":"Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that?","start":502.36502,"end":509.64,"sentiment":"neutral","sentiment_score":-0.029687971173023634},{"text":"That's perfect.","start":515.06,"end":515.7,"sentiment":"positive","sentiment_score":0.3418609946966171},{"text":"That's absolutely that's very valid.","start":515.7,"end":518.04,"sentiment":"positive","sentiment_score":0.41368541717529295},{"text":"Not a problem at all.","start":518.34,"end":519.675,"sentiment":"neutral","sentiment_score":0.2442493498325348},{"text":"Easy.","start":520.075,"end":520.575,"sentiment":"neutral","sentiment_score":0.2492510676383972}],"sentiment":"neutral","sentiment_score":0.10198604360755001,"num_words":35,"start":502.36502,"end":520.575},{"sentences":[{"text":"But we can leave it as is.","start":520.875,"end":522.075,"sentiment":"neutral","sentiment_score":0.17539987393787929},{"text":"If you ever decide you wanted to kinda come and look at that, please let me know.","start":522.075,"end":525.435,"sentiment":"neutral","sentiment_score":0.11248326958978877},{"text":"I'm more than happy to reevaluate it.","start":525.435,"end":527.535,"sentiment":"positive","sentiment_score":0.591448792389461},{"text":"These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well.","start":527.595,"end":534.075,"sentiment":"positive","sentiment_score":0.39547685409585637},{"text":"So the policy goes through renewal, and the sum insured is indexed.","start":534.075,"end":538.12,"sentiment":"neutral","sentiment_score":0.27265261113643646}],"sentiment":"neutral","sentiment_score":0.29915570267545644,"num_words":67,"start":520.875,"end":538.12},{"sentences":[{"text":"Supposed to be keeping up with DPI.","start":538.5,"end":540.2,"sentiment":"neutral","sentiment_score":0.27868650215012686},{"text":"It does also mean the premiums get more expensive as well.","start":540.5,"end":543.22003,"sentiment":"neutral","sentiment_score":0.2198777666146105},{"text":"So we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well.","start":543.22003,"end":550.29504,"sentiment":"neutral","sentiment_score":0.2128756216261536},{"text":"Okay?","start":550.29504,"end":550.79504,"sentiment":"neutral","sentiment_score":0.08423104882240295},{"text":"Excellent.","start":551.815,"end":552.315,"sentiment":"positive","sentiment_score":0.5204281806945801}],"sentiment":"neutral","sentiment_score":0.2266565397954904,"num_words":52,"start":538.5,"end":552.315},{"sentences":[{"text":"You do have the same level of of PVD as you do of life.","start":552.615,"end":556.555,"sentiment":"neutral","sentiment_score":0.16842520077313697},{"text":"Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment.","start":557.09503,"end":568.49,"sentiment":"neutral","sentiment_score":-0.01966225542128086},{"text":"Tax is deducted from the withdrawal at up to 22%.","start":568.87,"end":572.63,"sentiment":"neutral","sentiment_score":-0.13963572308421135},{"text":"It could be less than that.","start":572.63,"end":574.17004,"sentiment":"neutral","sentiment_score":-0.10685399547219276},{"text":"And as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible.","start":574.47003,"end":580.685,"sentiment":"neutral","sentiment_score":0.023936696092277998}],"sentiment":"neutral","sentiment_score":0.001606376166898332,"num_words":92,"start":552.615,"end":580.685},{"sentences":[{"text":"I wholeheartedly disagree that it should be taxable.","start":581.22504,"end":583.965,"sentiment":"neutral","sentiment_score":-0.28474927321076393},{"text":"I think if you're disabled and not able to go to work, you should not be paying tax on that money.","start":584.185,"end":589.145,"sentiment":"neutral","sentiment_score":-0.18971328960642928},{"text":"That's terrifying.","start":589.145,"end":589.965,"sentiment":"negative","sentiment_score":-0.4328152537345886},{"text":"But you have the same level of cover.","start":591.78503,"end":594.0,"sentiment":"neutral","sentiment_score":-0.01901870546862483},{"text":"And with TBD, again, if you are totally incapacitated, we can also claim that against this Uber.","start":594.0,"end":600.96,"sentiment":"neutral","sentiment_score":0.027249704827280605}],"sentiment":"neutral","sentiment_score":-0.12172336493884879,"num_words":56,"start":581.22504,"end":600.96},{"sentences":[{"text":"So it means before the tax side of things, you could receive up to 800 oh, sorry.","start":600.96,"end":606.225,"sentiment":"neutral","sentiment_score":0.07644904755494174},{"text":"889,625 again.","start":606.305,"end":609.665,"sentiment":"neutral","sentiment_score":0.028958824463188648},{"text":"Do you feel like that between your TCD and your super is enough currently?","start":609.665,"end":613.925,"sentiment":"neutral","sentiment_score":0.03285477762775762},{"text":"Did you wanna look at that again, or do you have any questions?","start":613.985,"end":616.805,"sentiment":"neutral","sentiment_score":0.03286797302560164},{"text":"Correct.","start":625.0,"end":625.5,"sentiment":"neutral","sentiment_score":0.14944761991500854}],"sentiment":"neutral","sentiment_score":0.050941481136102626,"num_words":47,"start":600.96,"end":625.5},{"sentences":[{"text":"Yep.","start":625.56,"end":625.96,"sentiment":"neutral","sentiment_score":0.1831030249595642},{"text":"That's absolutely fine.","start":625.96,"end":627.56,"sentiment":"positive","sentiment_score":0.37052467465400696},{"text":"That's not a problem at all.","start":627.56,"end":629.18,"sentiment":"positive","sentiment_score":0.4071122904618581},{"text":"The other thing you've got here is your income protection.","start":629.48004,"end":631.66003,"sentiment":"neutral","sentiment_score":0.17319888323545457},{"text":"Your income protection can cover up to 70% of your free tax income if you're off work due to illness or injury.","start":631.8,"end":638.905,"sentiment":"neutral","sentiment_score":0.11599172958680852}],"sentiment":"neutral","sentiment_score":0.19097994464183493,"num_words":42,"start":625.56,"end":638.905},{"sentences":[{"text":"Your income I had noticed here at the moment was 84,000 last year.","start":639.84503,"end":644.565,"sentiment":"neutral","sentiment_score":-0.005984695502915061},{"text":"Are you still on the same income, or have you got any increase on that at all?","start":644.565,"end":648.585,"sentiment":"neutral","sentiment_score":-0.01997785018209149},{"text":"Yeah.","start":653.94,"end":654.10004,"sentiment":"neutral","sentiment_score":0.02818138897418976},{"text":"That's okay.","start":654.10004,"end":654.9,"sentiment":"neutral","sentiment_score":0.06302551366388798},{"text":"What are you on now?","start":654.9,"end":656.36,"sentiment":"neutral","sentiment_score":0.020379849523305894}],"sentiment":"neutral","sentiment_score":-0.004244548176709367,"num_words":38,"start":639.84503,"end":656.36},{"sentences":[{"text":"130,000.","start":659.54004,"end":661.22003,"sentiment":"neutral","sentiment_score":0.025598710402846336},{"text":"Okay.","start":661.22003,"end":661.54004,"sentiment":"neutral","sentiment_score":0.1425948441028595},{"text":"That's a pretty big jump.","start":661.54004,"end":662.9,"sentiment":"positive","sentiment_score":0.4526470541954041},{"text":"That's fantastic, though.","start":662.9,"end":664.28,"sentiment":"positive","sentiment_score":0.7314246495564779},{"text":"No.","start":669.67505,"end":669.835,"sentiment":"neutral","sentiment_score":-0.03052782267332077}],"sentiment":"positive","sentiment_score":0.41774317740716715,"num_words":11,"start":659.54004,"end":669.835},{"sentences":[{"text":"I'm sure you're worth it.","start":669.835,"end":671.53503,"sentiment":"neutral","sentiment_score":0.11479442566633224},{"text":"All good.","start":672.715,"end":673.35504,"sentiment":"positive","sentiment_score":0.3974892646074295},{"text":"Now having a absolutely.","start":673.35504,"end":675.375,"sentiment":"neutral","sentiment_score":0.1558213233947754},{"text":"You are.","start":675.755,"end":676.23505,"sentiment":"neutral","sentiment_score":0.29202592372894287},{"text":"Definitely.","start":676.23505,"end":676.73505,"sentiment":"neutral","sentiment_score":0.23772120475769043}],"sentiment":"neutral","sentiment_score":0.20100064309579985,"num_words":14,"start":669.835,"end":676.73505},{"sentences":[{"text":"The income protection benefit you have at the moment, me, shows that your some insured that you could claim pretax is 4,961 on a monthly basis.","start":678.075,"end":688.52,"sentiment":"neutral","sentiment_score":0.0433334675975717},{"text":"Based on your current sorry.","start":690.02,"end":691.7,"sentiment":"neutral","sentiment_score":-0.030528483912348747},{"text":"It's $4,961 on a monthly basis.","start":691.7,"end":695.16003,"sentiment":"neutral","sentiment_score":-0.015943097105870645},{"text":"That's the income protection monthly benefit that you're insured for.","start":699.45496,"end":702.735,"sentiment":"neutral","sentiment_score":-0.0023272585589438678},{"text":"Sorry.","start":702.735,"end":703.235,"sentiment":"neutral","sentiment_score":-0.044899627566337585}],"sentiment":"neutral","sentiment_score":0.016879102962169174,"num_words":48,"start":678.075,"end":703.235},{"sentences":[{"text":"No.","start":703.855,"end":704.01495,"sentiment":"neutral","sentiment_score":-0.07211340218782425},{"text":"No.","start":704.01495,"end":704.175,"sentiment":"neutral","sentiment_score":-0.0911669135093689},{"text":"You're fine.","start":704.175,"end":704.735,"sentiment":"neutral","sentiment_score":-0.01963308732956648},{"text":"I'm so sorry.","start":704.735,"end":705.295,"sentiment":"neutral","sentiment_score":-0.12037611256043117},{"text":"I was having a cough.","start":705.295,"end":706.25494,"sentiment":"neutral","sentiment_score":-0.21994442641735076}],"sentiment":"neutral","sentiment_score":-0.1386164133436978,"num_words":12,"start":703.855,"end":706.25494},{"sentences":[{"text":"I do apologize about that.","start":706.25494,"end":707.875,"sentiment":"neutral","sentiment_score":-0.1759549856185913},{"text":"So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis.","start":709.57,"end":723.43,"sentiment":"neutral","sentiment_score":-0.025827418034896254},{"text":"Based on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit.","start":723.975,"end":736.45496,"sentiment":"neutral","sentiment_score":0.009116681292653084},{"text":"It is quite a difference there.","start":736.45496,"end":738.15497,"sentiment":"neutral","sentiment_score":0.024349126343925793},{"text":"If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax.","start":738.65,"end":745.15,"sentiment":"neutral","sentiment_score":0.003723138588525}],"sentiment":"neutral","sentiment_score":-0.013216576175320717,"num_words":105,"start":706.25494,"end":745.15},{"sentences":[{"text":"So if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have.","start":745.29004,"end":755.695,"sentiment":"neutral","sentiment_score":0.024488294248779616},{"text":"Do you feel like that's sufficient if you were on an income protection claim?","start":755.695,"end":759.775,"sentiment":"neutral","sentiment_score":-0.021704172283144935},{"text":"Did you wanna maybe look at reviewing the amount?","start":759.775,"end":762.115,"sentiment":"neutral","sentiment_score":-0.03342629472414652},{"text":"Yep.","start":767.99,"end":768.49,"sentiment":"neutral","sentiment_score":-0.04400622844696045},{"text":"Yeah.","start":778.31,"end":778.81,"sentiment":"neutral","sentiment_score":-0.04575303569436073}],"sentiment":"neutral","sentiment_score":0.000730809069831263,"num_words":55,"start":745.29004,"end":778.81},{"sentences":[{"text":"It's a tough one because it's a tough one.","start":779.02997,"end":782.32495,"sentiment":"neutral","sentiment_score":-0.1622468282779058},{"text":"It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future.","start":782.32495,"end":787.285,"sentiment":"neutral","sentiment_score":-0.16743507165284383},{"text":"It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim.","start":787.285,"end":792.665,"sentiment":"neutral","sentiment_score":-0.07727576400104322},{"text":"Yeah.","start":806.99,"end":807.49,"sentiment":"neutral","sentiment_score":-0.01265965774655342},{"text":"Yep.","start":824.475,"end":824.94,"sentiment":"neutral","sentiment_score":0.12260150909423828}],"sentiment":"neutral","sentiment_score":-0.12420893380162763,"num_words":51,"start":779.02997,"end":824.94},{"sentences":[{"text":"That's okay.","start":825.98,"end":826.88,"sentiment":"neutral","sentiment_score":0.21370817720890045},{"text":"Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you?","start":826.94,"end":842.605,"sentiment":"neutral","sentiment_score":0.1670321673154831},{"text":"Yep.","start":844.66504,"end":845.16504,"sentiment":"neutral","sentiment_score":0.0948386937379837},{"text":"Yep.","start":845.22504,"end":845.625,"sentiment":"neutral","sentiment_score":0.15439479053020477},{"text":"Beautiful.","start":845.625,"end":846.125,"sentiment":"positive","sentiment_score":0.49430713057518005}],"sentiment":"neutral","sentiment_score":0.17272362719147893,"num_words":59,"start":825.98,"end":846.125},{"sentences":[{"text":"Excellent.","start":846.34503,"end":846.84503,"sentiment":"positive","sentiment_score":0.6066416501998901},{"text":"Thank you for that.","start":846.905,"end":847.965,"sentiment":"positive","sentiment_score":0.6349332332611084},{"text":"With your income protection policy, you do have a thirty day waiting period and a five year benefit period.","start":848.425,"end":853.22504,"sentiment":"neutral","sentiment_score":0.20423338523036555},{"text":"So you would only have to be off work for thirty days prior to making a claim and then off work for about five you can be off work for five years.","start":853.22504,"end":861.4,"sentiment":"neutral","sentiment_score":0.055504238000139594},{"text":"You can be on a claim for up to five years.","start":861.4,"end":863.66,"sentiment":"neutral","sentiment_score":0.0824819572947242}],"sentiment":"neutral","sentiment_score":0.1449290455054881,"num_words":67,"start":846.34503,"end":863.66},{"sentences":[{"text":"At that five year mark, if you still can't go back to work, the claim stops regardless.","start":863.88,"end":868.38,"sentiment":"neutral","sentiment_score":-0.03490325830438558},{"text":"So it's always at risk of how long you could be on an income protection claim for.","start":869.295,"end":873.375,"sentiment":"neutral","sentiment_score":-0.20476865680778727},{"text":"You can also increase it to age 65.","start":873.375,"end":876.115,"sentiment":"neutral","sentiment_score":-0.05883070267736912},{"text":"Admittedly, that does make the policy a lot more expensive again.","start":876.495,"end":879.375,"sentiment":"neutral","sentiment_score":-0.2941187565976923},{"text":"So it's more just juggling how long do you think you would need to be on a claim for if something was to occur.","start":879.375,"end":885.08,"sentiment":"neutral","sentiment_score":-0.10165543699016173}],"sentiment":"neutral","sentiment_score":-0.13272863621642064,"num_words":77,"start":863.88,"end":885.08},{"sentences":[{"text":"A five year benefit is good because most claims are finished within the first year or two.","start":885.86005,"end":890.9,"sentiment":"neutral","sentiment_score":0.3247944322579047},{"text":"And if you can imagine, insurance companies, they don't really wanna pay the claim for a long time.","start":890.9,"end":896.005,"sentiment":"neutral","sentiment_score":-0.2734851961334546},{"text":"So as soon as you're off work, they're finding out how they can get you back to work as quickly as possible.","start":896.005,"end":900.985,"sentiment":"neutral","sentiment_score":-0.10689416358416731},{"text":"So do you feel you're right.","start":901.045,"end":904.66504,"sentiment":"neutral","sentiment_score":0.03102069968978564},{"text":"Mhmm.","start":909.685,"end":910.11,"sentiment":"neutral","sentiment_score":-0.03013673983514309}],"sentiment":"neutral","sentiment_score":-0.024951755040092394,"num_words":64,"start":885.86005,"end":910.11},{"sentences":[{"text":"Yep.","start":912.67,"end":913.17,"sentiment":"neutral","sentiment_score":-0.11287753283977509},{"text":"Yeah.","start":916.19,"end":916.69,"sentiment":"neutral","sentiment_score":-0.0939086303114891},{"text":"Yep.","start":916.91,"end":917.41,"sentiment":"neutral","sentiment_score":-0.08833908289670944},{"text":"Yep.","start":918.75,"end":919.14996,"sentiment":"neutral","sentiment_score":-0.008946895599365234},{"text":"No.","start":919.14996,"end":919.39,"sentiment":"neutral","sentiment_score":-0.07815136760473251}],"sentiment":"neutral","sentiment_score":-0.07644470185041427,"num_words":5,"start":912.67,"end":919.39},{"sentences":[{"text":"That's okay.","start":919.39,"end":920.02997,"sentiment":"neutral","sentiment_score":-0.0086579080671072},{"text":"That's perfect.","start":920.02997,"end":920.85,"sentiment":"neutral","sentiment_score":0.12121841683983803},{"text":"You well, the longest you can have a claim going for is age 65.","start":924.84503,"end":929.025,"sentiment":"neutral","sentiment_score":-0.0038408715544002397},{"text":"Those premiums do become quite expensive.","start":929.325,"end":931.66504,"sentiment":"neutral","sentiment_score":-0.16991401960452399},{"text":"You're right.","start":932.84503,"end":933.485,"sentiment":"neutral","sentiment_score":0.01238882727921009}],"sentiment":"neutral","sentiment_score":-0.031667601818648666,"num_words":26,"start":919.39,"end":933.485},{"sentences":[{"text":"This order is just two years.","start":933.485,"end":935.005,"sentiment":"neutral","sentiment_score":0.04294362602134546},{"text":"You can have a two year benefit period or a five year benefit period or to age 65.","start":935.005,"end":940.27997,"sentiment":"neutral","sentiment_score":0.02486766419476933},{"text":"Yep.","start":943.86,"end":944.36,"sentiment":"positive","sentiment_score":0.4168757200241089},{"text":"Mhmm.","start":947.62,"end":948.12,"sentiment":"neutral","sentiment_score":0.11566393077373505},{"text":"Okay.","start":956.685,"end":957.185,"sentiment":"neutral","sentiment_score":0.10876162350177764}],"sentiment":"neutral","sentiment_score":0.049873369849390455,"num_words":27,"start":933.485,"end":957.185},{"sentences":[{"text":"Yeah.","start":960.20496,"end":960.685,"sentiment":"neutral","sentiment_score":0.28930771350860596},{"text":"Yep.","start":960.685,"end":961.005,"sentiment":"neutral","sentiment_score":0.33207568526268005},{"text":"That's absolutely fine.","start":961.005,"end":961.885,"sentiment":"positive","sentiment_score":0.5454036593437195},{"text":"So you're happy for me to look at increasing the monthly benefit in line with that income of a 130,000, but decrease the benefit period for you to two years to keep it cost effective?","start":961.885,"end":972.89,"sentiment":"neutral","sentiment_score":0.26475951511945045},{"text":"Yeah.","start":973.03,"end":973.35004,"sentiment":"neutral","sentiment_score":0.1742422729730606}],"sentiment":"neutral","sentiment_score":0.28532730924283584,"num_words":41,"start":960.20496,"end":973.35004},{"sentences":[{"text":"Yep.","start":973.35004,"end":973.85004,"sentiment":"neutral","sentiment_score":0.1731031835079193},{"text":"Absolutely.","start":975.59,"end":976.09,"sentiment":"positive","sentiment_score":0.5112175941467285},{"text":"What I'll do is I will include that into the advice piece there for you.","start":976.31,"end":980.07,"sentiment":"positive","sentiment_score":0.37101529476543266},{"text":"So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching.","start":980.07,"end":992.215,"sentiment":"neutral","sentiment_score":0.11926459322373072},{"text":"But then we'll also show you what we're recommending with the increase of the income protection, how that looks, how that is projected over the next ten years, and how that sort of affects you.","start":992.35504,"end":1001.1,"sentiment":"neutral","sentiment_score":0.07365142990435873}],"sentiment":"neutral","sentiment_score":0.14633254578202656,"num_words":97,"start":973.35004,"end":1001.1},{"sentences":[{"text":"Does that sound okay?","start":1001.1,"end":1002.24,"sentiment":"neutral","sentiment_score":0.10379252396523952},{"text":"Yep.","start":1004.45996,"end":1004.95996,"sentiment":"neutral","sentiment_score":0.22719165682792664},{"text":"Fantastic.","start":1005.02,"end":1005.52,"sentiment":"positive","sentiment_score":0.6467745304107666},{"text":"Excellent.","start":1005.98,"end":1006.48,"sentiment":"positive","sentiment_score":0.5555806159973145},{"text":"Now you probably you seem like you're pretty across insurances as a whole.","start":1007.26,"end":1011.02,"sentiment":"neutral","sentiment_score":0.0620265151732243}],"sentiment":"neutral","sentiment_score":0.13255307981744407,"num_words":20,"start":1001.1,"end":1011.02},{"sentences":[{"text":"You don't have any other types of personal insurances like, say, trauma.","start":1011.02,"end":1014.625,"sentiment":"neutral","sentiment_score":-0.033320930786430836},{"text":"Has anyone ever gone through trauma with you?","start":1014.685,"end":1016.92505,"sentiment":"neutral","sentiment_score":-0.02945892047137022},{"text":"What it is, how it works, how it's paid, what it covers?","start":1016.92505,"end":1019.905,"sentiment":"neutral","sentiment_score":0.008396678216134509},{"text":"No.","start":1022.60504,"end":1022.92505,"sentiment":"neutral","sentiment_score":-0.07105328142642975},{"text":"That's okay.","start":1022.92505,"end":1023.645,"sentiment":"neutral","sentiment_score":-0.0629668589681387}],"sentiment":"neutral","sentiment_score":-0.020907125542206424,"num_words":35,"start":1011.02,"end":1023.645},{"sentences":[{"text":"So trauma is like another type of insurance.","start":1023.645,"end":1025.965,"sentiment":"neutral","sentiment_score":-0.1312867971137166},{"text":"It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's.","start":1025.965,"end":1037.8201,"sentiment":"neutral","sentiment_score":-0.10660947076976299},{"text":"Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that.","start":1038.92,"end":1044.295,"sentiment":"neutral","sentiment_score":-0.19889069667884282},{"text":"Trauma, unlike income protection, doesn't have a waiting period.","start":1044.755,"end":1048.755,"sentiment":"neutral","sentiment_score":-0.15767177442709604},{"text":"It doesn't have a work test either.","start":1048.755,"end":1050.755,"sentiment":"neutral","sentiment_score":-0.15232382076127188}],"sentiment":"neutral","sentiment_score":-0.14547461127241454,"num_words":75,"start":1023.645,"end":1050.755},{"sentences":[{"text":"So trauma pays out as an example, like, if you got cancer and say you were still able to go to work, you can't claim more in income protection because you don't meet the waiting period, but you can claim on that trauma policy.","start":1050.755,"end":1064.18,"sentiment":"neutral","sentiment_score":-0.0894944632256573},{"text":"Some people have trauma to kind of fill in the gap of that waiting period for income protection.","start":1064.8,"end":1069.9401,"sentiment":"neutral","sentiment_score":-0.13333970887793434},{"text":"The downside of trauma is that unlike your life saving income protection, you can't pay for inside super.","start":1070.6749,"end":1076.4349,"sentiment":"neutral","sentiment_score":-0.2580486875441339},{"text":"It has to be out of your back pocket.","start":1076.4349,"end":1078.275,"sentiment":"neutral","sentiment_score":-0.315501911772622},{"text":"So a lot of people tend to not have trauma because of the expenditure side of things.","start":1078.275,"end":1083.015,"sentiment":"neutral","sentiment_score":-0.1828761924715603}],"sentiment":"neutral","sentiment_score":-0.1597279244858139,"num_words":106,"start":1050.755,"end":1083.015},{"sentences":[{"text":"Do you feel like it's something you would like to look at, or you're comfortable not considering trauma?","start":1083.2899,"end":1088.09,"sentiment":"neutral","sentiment_score":-0.07890222801102532},{"text":"What would you how do you feel does it fit for you?","start":1088.09,"end":1090.99,"sentiment":"neutral","sentiment_score":0.019766924592355888},{"text":"Yep.","start":1093.85,"end":1094.35,"sentiment":"neutral","sentiment_score":-0.004427943378686905},{"text":"Yep.","start":1095.915,"end":1096.2351,"sentiment":"neutral","sentiment_score":0.23644718527793884},{"text":"That's absolutely fine.","start":1096.2351,"end":1097.935,"sentiment":"positive","sentiment_score":0.5530015826225281}],"sentiment":"neutral","sentiment_score":0.020228199447904313,"num_words":35,"start":1083.2899,"end":1097.935},{"sentences":[{"text":"Not a problem at all.","start":1098.0751,"end":1099.4551,"sentiment":"positive","sentiment_score":0.3608339071273804},{"text":"We'll make sure that we just kinda raise that with you each year.","start":1099.8351,"end":1102.4751,"sentiment":"neutral","sentiment_score":0.3146286675563225},{"text":"If you ever find you do wanna come back to that, please let me know.","start":1102.4751,"end":1105.435,"sentiment":"neutral","sentiment_score":0.21047578155994415},{"text":"It's not a problem at all.","start":1105.435,"end":1106.875,"sentiment":"positive","sentiment_score":0.3790007183949153},{"text":"Okay?","start":1106.875,"end":1107.375,"sentiment":"neutral","sentiment_score":0.25205570459365845}],"sentiment":"neutral","sentiment_score":0.2894384738057852,"num_words":40,"start":1098.0751,"end":1107.375},{"sentences":[{"text":"In the in the email I do have there for you, you have your I have 24 performance of support.","start":1108.89,"end":1114.89,"sentiment":"neutral","sentiment_score":0.24916795268654823},{"text":"It's also got a summary of your superannuation balance and insurances, and it's also got a run through of your Clearview certificate of currency that runs through the insurances as I've gone through and kind of breaks down that for you as well.","start":1114.89,"end":1126.905,"sentiment":"neutral","sentiment_score":0.25396716941234676},{"text":"Okay?","start":1126.905,"end":1127.405,"sentiment":"neutral","sentiment_score":0.0964898094534874},{"text":"Excellent.","start":1129.145,"end":1129.645,"sentiment":"positive","sentiment_score":0.41391271352767944},{"text":"Just to kinda go through and update a couple of details of your circumstances.","start":1130.185,"end":1133.805,"sentiment":"neutral","sentiment_score":0.23074964433908463}],"sentiment":"neutral","sentiment_score":0.24866892255936998,"num_words":79,"start":1108.89,"end":1133.805},{"sentences":[{"text":"So I've updated a few things here already for you.","start":1134.025,"end":1137.12,"sentiment":"neutral","sentiment_score":0.1924165293574333},{"text":"Just with your job role, I've got down here that your occupation is first aid.","start":1137.58,"end":1141.98,"sentiment":"neutral","sentiment_score":0.11411439081033072},{"text":"Is that still considered your occupation, or what's your occupation now?","start":1141.98,"end":1145.6,"sentiment":"neutral","sentiment_score":0.04778036712245508},{"text":"Yep.","start":1149.98,"end":1150.48,"sentiment":"neutral","sentiment_score":0.09891945123672484},{"text":"Manager.","start":1152.105,"end":1152.605,"sentiment":"neutral","sentiment_score":0.1440916806459427}],"sentiment":"neutral","sentiment_score":0.11590727173576229,"num_words":38,"start":1134.025,"end":1152.605},{"sentences":[{"text":"Lovely.","start":1152.905,"end":1153.405,"sentiment":"positive","sentiment_score":0.4146307110786438},{"text":"Excellent.","start":1154.745,"end":1155.245,"sentiment":"positive","sentiment_score":0.35366326570510864},{"text":"And you said that you work from home about three days a week as well?","start":1155.305,"end":1158.525,"sentiment":"neutral","sentiment_score":0.08472751230001449},{"text":"Yes.","start":1160.5851,"end":1161.0651,"sentiment":"neutral","sentiment_score":0.1261340081691742},{"text":"Fantastic.","start":1161.0651,"end":1161.5651,"sentiment":"neutral","sentiment_score":0.28820475935935974}],"sentiment":"neutral","sentiment_score":0.1291339699375002,"num_words":19,"start":1152.905,"end":1161.5651},{"sentences":[{"text":"Do you have to do much in the way of travel for your work?","start":1161.7051,"end":1164.51,"sentiment":"neutral","sentiment_score":0.08233225718140602},{"text":"You do?","start":1167.47,"end":1168.13,"sentiment":"neutral","sentiment_score":0.0254587447270751},{"text":"Yep.","start":1168.1901,"end":1168.6901,"sentiment":"neutral","sentiment_score":0.02410934679210186},{"text":"No.","start":1168.75,"end":1168.99,"sentiment":"neutral","sentiment_score":-0.0012839268893003464},{"text":"That's okay.","start":1168.99,"end":1169.81,"sentiment":"neutral","sentiment_score":0.06063000485301018}],"sentiment":"neutral","sentiment_score":0.06738272598013281,"num_words":20,"start":1161.7051,"end":1169.81},{"sentences":[{"text":"All good.","start":1170.59,"end":1171.33,"sentiment":"neutral","sentiment_score":0.20631809532642365},{"text":"And you mentioned that you're about 9% off the space.","start":1171.87,"end":1174.75,"sentiment":"neutral","sentiment_score":0.021695470716804267},{"text":"Is that right?","start":1174.75,"end":1175.5701,"sentiment":"neutral","sentiment_score":0.02700566065808137},{"text":"Yep.","start":1189.03,"end":1189.27,"sentiment":"neutral","sentiment_score":0.09067438542842864},{"text":"Yep.","start":1189.27,"end":1189.51,"sentiment":"neutral","sentiment_score":0.14427070319652557}],"sentiment":"neutral","sentiment_score":0.05562076284824049,"num_words":17,"start":1170.59,"end":1189.51},{"sentences":[{"text":"That's absolutely perfect.","start":1189.51,"end":1190.87,"sentiment":"positive","sentiment_score":0.49411534269650775},{"text":"Fantastic.","start":1190.87,"end":1191.37,"sentiment":"positive","sentiment_score":0.57921302318573},{"text":"Thank you for that.","start":1191.59,"end":1192.73,"sentiment":"positive","sentiment_score":0.5699436515569687},{"text":"I've got your income updated here as well, which is fantastic.","start":1193.59,"end":1196.33,"sentiment":"positive","sentiment_score":0.3982819345864383},{"text":"Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments?","start":1196.39,"end":1205.4451,"sentiment":"neutral","sentiment_score":0.06644480698741972}],"sentiment":"neutral","sentiment_score":0.21271899532453686,"num_words":51,"start":1189.51,"end":1205.4451},{"sentences":[{"text":"Yep.","start":1210.865,"end":1211.365,"sentiment":"neutral","sentiment_score":0.00246405228972435},{"text":"No.","start":1217.88,"end":1218.38,"sentiment":"neutral","sentiment_score":-0.13281910121440887},{"text":"No.","start":1218.4401,"end":1218.92,"sentiment":"neutral","sentiment_score":-0.1687067300081253},{"text":"Very popular at the moment.","start":1218.92,"end":1220.12,"sentiment":"neutral","sentiment_score":-0.22586075067520142},{"text":"I see people going to Japan.","start":1220.12,"end":1221.66,"sentiment":"neutral","sentiment_score":0.010711272557576498}],"sentiment":"neutral","sentiment_score":-0.09743556406881128,"num_words":14,"start":1210.865,"end":1221.66},{"sentences":[{"text":"Is that booked for later this year?","start":1221.72,"end":1223.4,"sentiment":"neutral","sentiment_score":0.009265504511339324},{"text":"Or fantastic.","start":1223.4,"end":1224.86,"sentiment":"positive","sentiment_score":0.37910644710063934},{"text":"Oh, fantastic.","start":1227.56,"end":1228.62,"sentiment":"positive","sentiment_score":0.6408539414405823},{"text":"That's amazing.","start":1229.0,"end":1229.8201,"sentiment":"positive","sentiment_score":0.7404513657093048},{"text":"I have not been to Japan yet.","start":1229.88,"end":1231.3201,"sentiment":"neutral","sentiment_score":0.28608558433396475}],"sentiment":"neutral","sentiment_score":0.27941405652090906,"num_words":20,"start":1221.72,"end":1231.3201},{"sentences":[{"text":"I've done a lot of other places, but not Japan, but everyone tells me it's incredible.","start":1231.3201,"end":1235.0149,"sentiment":"positive","sentiment_score":0.3411880210042},{"text":"Then oh, fantastic.","start":1238.4349,"end":1239.6549,"sentiment":"positive","sentiment_score":0.37200642625490826},{"text":"If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away?","start":1240.595,"end":1247.0149,"sentiment":"neutral","sentiment_score":0.09756182506680489},{"text":"Yep.","start":1253.7101,"end":1254.1101,"sentiment":"neutral","sentiment_score":0.2013341188430786},{"text":"Beautiful.","start":1254.1101,"end":1254.6101,"sentiment":"positive","sentiment_score":0.6017928719520569}],"sentiment":"neutral","sentiment_score":0.21095238419923376,"num_words":47,"start":1231.3201,"end":1254.6101},{"sentences":[{"text":"Excellent.","start":1257.15,"end":1257.65,"sentiment":"positive","sentiment_score":0.548835813999176},{"text":"And now just sort of double checking.","start":1259.0701,"end":1261.15,"sentiment":"neutral","sentiment_score":0.09604687829102788},{"text":"It doesn't look like you're making any additional contributions to Super at the moment, over and above your normal employer.","start":1261.15,"end":1263.345,"sentiment":"neutral","sentiment_score":0.014465483813546598},{"text":"Normal employer.","start":1265.825,"end":1266.8049,"sentiment":"neutral","sentiment_score":-0.008200753945857286},{"text":"Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things?","start":1267.4249,"end":1278.94,"sentiment":"neutral","sentiment_score":-0.018152336683124305}],"sentiment":"neutral","sentiment_score":0.010971123758437378,"num_words":70,"start":1257.15,"end":1278.94},{"sentences":[{"text":"What's your sort of thoughts around that?","start":1278.94,"end":1280.72,"sentiment":"neutral","sentiment_score":-0.023861397057771683},{"text":"One second.","start":1284.86,"end":1285.6,"sentiment":"neutral","sentiment_score":-0.005599997472018003},{"text":"Yeah.","start":1288.22,"end":1288.5399,"sentiment":"neutral","sentiment_score":0.09443052113056184},{"text":"That's absolutely fine.","start":1288.5399,"end":1290.1599,"sentiment":"neutral","sentiment_score":0.17403850456078848},{"text":"Not a problem at all.","start":1290.2999,"end":1291.6799,"sentiment":"neutral","sentiment_score":0.12123935371637344}],"sentiment":"neutral","sentiment_score":0.05802850161368648,"num_words":18,"start":1278.94,"end":1291.6799},{"sentences":[{"text":"Easy.","start":1291.74,"end":1292.24,"sentiment":"neutral","sentiment_score":0.11108468472957612},{"text":"I was asked the question, but, honestly, your answer is completely fine.","start":1292.495,"end":1295.935,"sentiment":"neutral","sentiment_score":0.04196118998030821},{"text":"And, look, you're you're young.","start":1295.935,"end":1297.375,"sentiment":"neutral","sentiment_score":0.026239508762955666},{"text":"You're whole you've got a family, so those memories are just as important, honestly.","start":1297.375,"end":1301.395,"sentiment":"neutral","sentiment_score":0.08775460294314794},{"text":"We've got plenty of time.","start":1302.0951,"end":1303.2151,"sentiment":"neutral","sentiment_score":0.05849967673420906}],"sentiment":"neutral","sentiment_score":0.06126700900495052,"num_words":37,"start":1291.74,"end":1303.2151},{"sentences":[{"text":"You're honestly, you're the same age as me, so do not worry.","start":1303.2151,"end":1306.1951,"sentiment":"neutral","sentiment_score":0.06323085880527894},{"text":"We are still plenty young.","start":1306.37,"end":1307.91,"sentiment":"neutral","sentiment_score":0.05236606448888779},{"text":"We have a lot of time ahead of us to be able to, a, make those memories, but then they come back later on and start making salary sacrifice and additional contributions and build super.","start":1308.4501,"end":1317.91,"sentiment":"neutral","sentiment_score":0.1258976025240762},{"text":"The other benefit we have is that we've had super since we basically started our working life, whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later.","start":1318.2101,"end":1331.285,"sentiment":"neutral","sentiment_score":0.03749641726111493},{"text":"And super wasn't a thing until the early nineties.","start":1331.285,"end":1333.765,"sentiment":"neutral","sentiment_score":0.011580595022274388}],"sentiment":"neutral","sentiment_score":0.06929995273879054,"num_words":102,"start":1303.2151,"end":1333.765},{"sentences":[{"text":"It wasn't compulsory.","start":1333.765,"end":1334.92,"sentiment":"neutral","sentiment_score":0.01085654211541017},{"text":"So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track.","start":1334.92,"end":1346.12,"sentiment":"positive","sentiment_score":0.5169361120945698},{"text":"So there's no need to stress or worry about the sales tax.","start":1346.12,"end":1349.465,"sentiment":"neutral","sentiment_score":0.12491825905938943},{"text":"We can always come back and look at that down the track.","start":1349.465,"end":1351.865,"sentiment":"neutral","sentiment_score":0.2534528436760108},{"text":"There's no time there's no too late to start.","start":1351.865,"end":1355.165,"sentiment":"neutral","sentiment_score":0.2501387894153595}],"sentiment":"positive","sentiment_score":0.35549189193710073,"num_words":73,"start":1333.765,"end":1355.165},{"sentences":[{"text":"Starting whenever it's comfortable for you is probably the most important aspect.","start":1355.705,"end":1359.325,"sentiment":"positive","sentiment_score":0.3339454506834348},{"text":"Okay?","start":1359.545,"end":1360.045,"sentiment":"neutral","sentiment_score":0.1508383750915527},{"text":"Excellent.","start":1363.12,"end":1363.62,"sentiment":"positive","sentiment_score":0.6550850868225098},{"text":"All good.","start":1363.76,"end":1364.58,"sentiment":"positive","sentiment_score":0.6266544759273529},{"text":"And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment.","start":1364.8,"end":1373.54,"sentiment":"neutral","sentiment_score":0.05377822752822848}],"sentiment":"neutral","sentiment_score":0.1579007511585951,"num_words":50,"start":1355.705,"end":1373.54},{"sentences":[{"text":"That is something I would love to rectify.","start":1374.235,"end":1376.255,"sentiment":"neutral","sentiment_score":0.001585100777447222},{"text":"So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset.","start":1376.475,"end":1382.6549,"sentiment":"neutral","sentiment_score":0.08048655075783079},{"text":"So in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after.","start":1382.715,"end":1399.1,"sentiment":"neutral","sentiment_score":0.03207290410581562},{"text":"Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied?","start":1400.185,"end":1409.0851,"sentiment":"neutral","sentiment_score":0.23177987337112427},{"text":"Yes.","start":1412.425,"end":1412.925,"sentiment":"neutral","sentiment_score":0.03058492951095104}],"sentiment":"neutral","sentiment_score":0.09129828587174416,"num_words":115,"start":1374.235,"end":1412.925},{"sentences":[{"text":"No.","start":1417.1299,"end":1417.2899,"sentiment":"neutral","sentiment_score":-0.054346561431884766},{"text":"That's okay.","start":1417.2899,"end":1418.11,"sentiment":"neutral","sentiment_score":-0.012795181013643742},{"text":"That's okay.","start":1418.4099,"end":1419.0499,"sentiment":"neutral","sentiment_score":0.06148430332541466},{"text":"That's why I kind of go and look.","start":1419.0499,"end":1420.57,"sentiment":"neutral","sentiment_score":0.060519535560160875},{"text":"I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out.","start":1420.57,"end":1425.7699,"sentiment":"neutral","sentiment_score":0.1413603742485461}],"sentiment":"neutral","sentiment_score":0.10495768264970845,"num_words":36,"start":1417.1299,"end":1425.7699},{"sentences":[{"text":"We just need approval from you to do so.","start":1425.7699,"end":1428.19,"sentiment":"neutral","sentiment_score":0.06982648289865917},{"text":"Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney?","start":1428.855,"end":1433.095,"sentiment":"neutral","sentiment_score":0.03423507635792097},{"text":"Is that correct?","start":1433.095,"end":1433.995,"sentiment":"neutral","sentiment_score":0.0335663395623366},{"text":"Yes.","start":1436.215,"end":1436.615,"sentiment":"neutral","sentiment_score":0.13410817086696625},{"text":"Beautiful.","start":1436.615,"end":1437.115,"sentiment":"positive","sentiment_score":0.33368057012557983}],"sentiment":"neutral","sentiment_score":0.05666117125656456,"num_words":32,"start":1425.7699,"end":1437.115},{"sentences":[{"text":"And just confirming, does Courtney have the same surname as you, or what is what's her surname?","start":1437.175,"end":1442.01,"sentiment":"neutral","sentiment_score":0.06558558520148783},{"text":"Easy.","start":1447.45,"end":1447.93,"sentiment":"neutral","sentiment_score":0.1479361355304718},{"text":"Oh, fantastic.","start":1447.93,"end":1448.59,"sentiment":"neutral","sentiment_score":0.32854948937892914},{"text":"Just so I do that correctly.","start":1448.89,"end":1450.27,"sentiment":"neutral","sentiment_score":0.14641300588846207},{"text":"And same residential address as yourself?","start":1451.13,"end":1453.63,"sentiment":"neutral","sentiment_score":0.07451571275790532}],"sentiment":"neutral","sentiment_score":0.1014238242059946,"num_words":32,"start":1437.175,"end":1453.63},{"sentences":[{"text":"Yep.","start":1455.945,"end":1456.265,"sentiment":"neutral","sentiment_score":0.14553463459014893},{"text":"Fantastic.","start":1456.265,"end":1456.765,"sentiment":"neutral","sentiment_score":0.19976794719696045},{"text":"And a hard question, what is Courtney's date of birth?","start":1457.065,"end":1459.965,"sentiment":"neutral","sentiment_score":-0.0093422572594136},{"text":"Yep.","start":1464.1849,"end":1464.6849,"sentiment":"neutral","sentiment_score":0.027147000655531883},{"text":"1990.","start":1465.3049,"end":1466.265,"sentiment":"neutral","sentiment_score":0.04425344616174698}],"sentiment":"neutral","sentiment_score":0.023091461143589447,"num_words":14,"start":1455.945,"end":1466.265},{"sentences":[{"text":"Fantastic.","start":1466.265,"end":1466.765,"sentiment":"positive","sentiment_score":0.7126753926277161},{"text":"Thank you for that.","start":1466.9049,"end":1467.705,"sentiment":"positive","sentiment_score":0.7785763442516327},{"text":"So my team will place all the documents for you to make it easier when that comes through.","start":1467.705,"end":1472.32,"sentiment":"positive","sentiment_score":0.4672131968869103},{"text":"We'll just need you to sign and have a witness.","start":1472.32,"end":1474.6599,"sentiment":"neutral","sentiment_score":0.18574610725045204},{"text":"It just needs to be two witnesses over the 18.","start":1475.2799,"end":1477.6799,"sentiment":"neutral","sentiment_score":0.09531679637730121}],"sentiment":"positive","sentiment_score":0.34994063604363174,"num_words":43,"start":1466.265,"end":1477.6799},{"sentences":[{"text":"One of those cannot be Courtney.","start":1477.6799,"end":1479.2999,"sentiment":"neutral","sentiment_score":0.012089763457576433},{"text":"And then if you send it back to us, we'll have that applied.","start":1479.6799,"end":1482.4199,"sentiment":"neutral","sentiment_score":0.1369895591185643},{"text":"I will double check against your Clearview life policy to make sure that that is also applied and correct.","start":1482.5599,"end":1488.585,"sentiment":"neutral","sentiment_score":0.13715420584929616},{"text":"If it's not, I'll make sure we get that appraisal, that beneficiary nomination for you as well.","start":1488.885,"end":1493.605,"sentiment":"neutral","sentiment_score":0.10513695680043277},{"text":"Does that sound okay?","start":1493.605,"end":1494.745,"sentiment":"neutral","sentiment_score":0.11995553225278854}],"sentiment":"neutral","sentiment_score":0.11400818906850733,"num_words":59,"start":1477.6799,"end":1494.745},{"sentences":[{"text":"Yep.","start":1496.9601,"end":1497.4401,"sentiment":"neutral","sentiment_score":0.23043006658554077},{"text":"Fantastic.","start":1497.4401,"end":1497.9401,"sentiment":"positive","sentiment_score":0.5005667209625244},{"text":"And just to confirm, there are a couple of different types of nomination that you can choose from.","start":1498.8,"end":1503.68,"sentiment":"neutral","sentiment_score":0.16582717870672545},{"text":"The first type is a nonbinding nomination.","start":1503.68,"end":1506.5,"sentiment":"neutral","sentiment_score":0.09110004029103688},{"text":"Essentially, by ticking that box, it means that you're telling the super funds that you would like the benefit to be paid to Courtney in the event of something happening.","start":1507.4401,"end":1515.455,"sentiment":"neutral","sentiment_score":0.11020250171422959}],"sentiment":"neutral","sentiment_score":0.1343800234690047,"num_words":57,"start":1496.9601,"end":1515.455},{"sentences":[{"text":"However, at the time of passing, the trustee gets to decide whether they follow your direction or not.","start":1515.9149,"end":1521.9349,"sentiment":"neutral","sentiment_score":0.06511391637225945},{"text":"You can also have it as a binding nomination, which the trustee has to follow your direction, but you have to keep signing that same form every three years.","start":1522.1599,"end":1530.34,"sentiment":"neutral","sentiment_score":0.06537446135590816},{"text":"Or I can do it as a binding non lapsing nomination.","start":1530.72,"end":1533.94,"sentiment":"neutral","sentiment_score":0.05005377632650462},{"text":"It binds the trustee to follow your direction, and you only fill one form out.","start":1534.5599,"end":1538.765,"sentiment":"neutral","sentiment_score":0.08616590251525243},{"text":"We never fill out another one unless you wanna revoke or change your beneficiary.","start":1538.765,"end":1542.705,"sentiment":"neutral","sentiment_score":0.01935646090922611}],"sentiment":"neutral","sentiment_score":0.05956299315024724,"num_words":87,"start":1515.9149,"end":1542.705},{"sentences":[{"text":"Do you know which way you'd like me to go?","start":1543.805,"end":1545.905,"sentiment":"neutral","sentiment_score":0.03998264763504267},{"text":"Yeah.","start":1553.7001,"end":1554.02,"sentiment":"neutral","sentiment_score":0.014279012568295002},{"text":"So this may have to refill it every three years.","start":1554.02,"end":1556.6,"sentiment":"neutral","sentiment_score":0.005588492378592491},{"text":"You can choose the last one, have it binding nonlung thing if you like, because we do reviews with you every year, so we can keep bringing it up and checking that your nomination's correct.","start":1556.8201,"end":1564.935,"sentiment":"neutral","sentiment_score":0.07050708665379456},{"text":"And when and if you ever wanna revoke it, we can help you with that.","start":1565.015,"end":1568.2351,"sentiment":"neutral","sentiment_score":0.08175782896578312}],"sentiment":"neutral","sentiment_score":0.058649378592594406,"num_words":71,"start":1543.805,"end":1568.2351},{"sentences":[{"text":"Yep.","start":1571.415,"end":1571.895,"sentiment":"neutral","sentiment_score":0.20195361971855164},{"text":"Beautiful.","start":1571.895,"end":1572.395,"sentiment":"neutral","sentiment_score":0.12959840893745422},{"text":"Happy for you to go whichever way is more comfortable for yourself, but we do help we do help you to review it.","start":1572.775,"end":1578.295,"sentiment":"neutral","sentiment_score":0.32229872533808585},{"text":"So not everyone wants to fill out the form again every three years.","start":1578.295,"end":1581.8,"sentiment":"neutral","sentiment_score":-0.016759272951346178},{"text":"And if there is any point that it has to be reviewed, because we bring it up every year and check it with you, you can always go, hey.","start":1581.9401,"end":1588.66,"sentiment":"neutral","sentiment_score":0.024360513699979616}],"sentiment":"neutral","sentiment_score":0.12288070239349087,"num_words":67,"start":1571.415,"end":1588.66},{"sentences":[{"text":"No.","start":1588.66,"end":1588.8201,"sentiment":"neutral","sentiment_score":-0.2394203096628189},{"text":"That's not right.","start":1588.8201,"end":1589.4601,"sentiment":"neutral","sentiment_score":-0.3173806567986806},{"text":"We wanna change that now, and we'll make sure we you out with that.","start":1589.4601,"end":1593.245,"sentiment":"neutral","sentiment_score":-0.0410505390859076},{"text":"Fantastic.","start":1594.985,"end":1595.485,"sentiment":"positive","sentiment_score":0.7006238102912903},{"text":"Well, I'll get those documents ready to go there for you.","start":1595.7051,"end":1598.525,"sentiment":"positive","sentiment_score":0.38039414991031995}],"sentiment":"neutral","sentiment_score":0.10395632106810808,"num_words":30,"start":1588.66,"end":1598.525},{"sentences":[{"text":"I can also see here on your last back line, you've not really had a will and power of attorney set up.","start":1598.5851,"end":1603.785,"sentiment":"neutral","sentiment_score":0.057001987302845177},{"text":"Is that something that you guys have talked about in the past?","start":1603.785,"end":1606.525,"sentiment":"neutral","sentiment_score":0.04156009682143728},{"text":"Yep.","start":1612.65,"end":1613.05,"sentiment":"neutral","sentiment_score":0.09641113132238388},{"text":"No.","start":1613.05,"end":1613.21,"sentiment":"neutral","sentiment_score":0.0969294011592865},{"text":"That's okay.","start":1613.21,"end":1613.93,"sentiment":"neutral","sentiment_score":0.23773659765720367}],"sentiment":"neutral","sentiment_score":0.06372575290305049,"num_words":38,"start":1598.5851,"end":1613.93},{"sentences":[{"text":"It is definitely something to have a conversation about, especially having kids, and you've worked really hard.","start":1613.93,"end":1619.05,"sentiment":"neutral","sentiment_score":0.2896447216763216},{"text":"You've got your house and your savings and things like that.","start":1619.05,"end":1621.95,"sentiment":"neutral","sentiment_score":0.18472664735533975},{"text":"Doing up a a will and the power of attorney, just protect everything else that you've worked so hard for.","start":1622.365,"end":1628.125,"sentiment":"neutral","sentiment_score":0.21561910212039948},{"text":"And the other thing that's probably really important is also having, like, a guardianship set up.","start":1628.125,"end":1632.365,"sentiment":"neutral","sentiment_score":0.11990988627076149},{"text":"So if something was to happen to yourself and Courtney, what do you want to happen to the kids?","start":1632.365,"end":1636.85,"sentiment":"neutral","sentiment_score":-0.00015586134242384056}],"sentiment":"neutral","sentiment_score":0.15884255718843765,"num_words":83,"start":1613.93,"end":1636.85},{"sentences":[{"text":"How do you want the funds to be held, paid out?","start":1636.85,"end":1639.25,"sentiment":"neutral","sentiment_score":-0.00040744007988409545},{"text":"Who are you gonna look after the kids?","start":1639.25,"end":1640.61,"sentiment":"neutral","sentiment_score":-0.021308453753590584},{"text":"There's quite a lot to sort of think about there.","start":1640.61,"end":1642.95,"sentiment":"neutral","sentiment_score":-0.11472640186548233},{"text":"So it is definitely something to have that conversation.","start":1643.4099,"end":1645.6699,"sentiment":"neutral","sentiment_score":-0.044981820715798274},{"text":"It's not a great conversation.","start":1645.73,"end":1646.95,"sentiment":"neutral","sentiment_score":-0.2504341542720795}],"sentiment":"neutral","sentiment_score":-0.06928420110150825,"num_words":43,"start":1636.85,"end":1646.95},{"sentences":[{"text":"I completely get that.","start":1647.01,"end":1648.485,"sentiment":"neutral","sentiment_score":-0.030761849135160446},{"text":"But it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well.","start":1648.485,"end":1656.105,"sentiment":"neutral","sentiment_score":0.30838853377720404},{"text":"All good.","start":1659.925,"end":1660.62,"sentiment":"positive","sentiment_score":0.40756846964359283},{"text":"The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets.","start":1660.86,"end":1666.22,"sentiment":"neutral","sentiment_score":0.010330527555197477},{"text":"I've got your cash in the bank.","start":1666.22,"end":1667.66,"sentiment":"neutral","sentiment_score":0.04979411991579192}],"sentiment":"neutral","sentiment_score":0.15502800792455673,"num_words":66,"start":1647.01,"end":1667.66},{"sentences":[{"text":"So you had some savings about 8,000 last year.","start":1667.66,"end":1670.46,"sentiment":"neutral","sentiment_score":0.04151261639263895},{"text":"Do you still have that in savings, or has that changed?","start":1670.46,"end":1674.0,"sentiment":"neutral","sentiment_score":-0.003775536675344814},{"text":"Yeah.","start":1678.005,"end":1678.505,"sentiment":"neutral","sentiment_score":-0.054101452231407166},{"text":"Yep.","start":1681.205,"end":1681.605,"sentiment":"neutral","sentiment_score":0.07755379378795624},{"text":"Yep.","start":1681.605,"end":1681.925,"sentiment":"neutral","sentiment_score":0.1723766326904297}],"sentiment":"neutral","sentiment_score":0.022952679058779842,"num_words":23,"start":1667.66,"end":1681.925},{"sentences":[{"text":"That's absolutely fine.","start":1681.925,"end":1683.365,"sentiment":"positive","sentiment_score":0.5569715897242228},{"text":"Beautiful.","start":1683.365,"end":1683.865,"sentiment":"positive","sentiment_score":0.6424305438995361},{"text":"And then the I've got your car down as well.","start":1684.805,"end":1687.365,"sentiment":"neutral","sentiment_score":0.11037262193858624},{"text":"You had a value on the vehicle of about 8,000 last year.","start":1687.365,"end":1690.62,"sentiment":"neutral","sentiment_score":0.02078311750665307},{"text":"Would you keep the value the same or change that?","start":1690.62,"end":1693.52,"sentiment":"neutral","sentiment_score":0.006137979216873646}],"sentiment":"neutral","sentiment_score":0.10355135374185112,"num_words":36,"start":1681.925,"end":1693.52},{"sentences":[{"text":"Yeah.","start":1699.58,"end":1700.08,"sentiment":"neutral","sentiment_score":0.04374359548091888},{"text":"$88,000 is fine.","start":1702.22,"end":1703.34,"sentiment":"neutral","sentiment_score":0.11642230053742726},{"text":"Not a problem at all.","start":1703.34,"end":1704.38,"sentiment":"positive","sentiment_score":0.3397988975048065},{"text":"Beautiful.","start":1704.38,"end":1704.88,"sentiment":"positive","sentiment_score":0.5616010427474976},{"text":"And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on?","start":1705.2949,"end":1712.195,"sentiment":"neutral","sentiment_score":0.0779833059757948}],"sentiment":"neutral","sentiment_score":0.1404424048960209,"num_words":30,"start":1699.58,"end":1712.195},{"sentences":[{"text":"No.","start":1714.575,"end":1714.815,"sentiment":"neutral","sentiment_score":-0.025283247232437137},{"text":"That's okay.","start":1714.815,"end":1715.615,"sentiment":"neutral","sentiment_score":0.036745309829711914},{"text":"Another asset I would like to note down is contents as well.","start":1715.615,"end":1719.56,"sentiment":"neutral","sentiment_score":0.048501230465869107},{"text":"Do you have contents insurance?","start":1719.56,"end":1721.18,"sentiment":"neutral","sentiment_score":0.011193393915891647},{"text":"Yep.","start":1723.4,"end":1723.64,"sentiment":"neutral","sentiment_score":0.032598551362752914}],"sentiment":"neutral","sentiment_score":0.03422798375998225,"num_words":21,"start":1714.575,"end":1723.64},{"sentences":[{"text":"Do you know what value you would put on your contents or you have on your insurance policy?","start":1723.64,"end":1727.98,"sentiment":"neutral","sentiment_score":0.013624312770035531},{"text":"Yep.","start":1732.52,"end":1732.935,"sentiment":"neutral","sentiment_score":0.1268826276063919},{"text":"Beautiful.","start":1733.255,"end":1733.755,"sentiment":"positive","sentiment_score":0.6226240396499634},{"text":"Fantastic.","start":1734.2151,"end":1734.7151,"sentiment":"positive","sentiment_score":0.675971269607544},{"text":"Excellent.","start":1735.415,"end":1735.8151,"sentiment":"positive","sentiment_score":0.6311107277870178}],"sentiment":"neutral","sentiment_score":0.10462846793234348,"num_words":22,"start":1723.64,"end":1735.8151},{"sentences":[{"text":"Well, thank you so much for updating those details there for me.","start":1735.8151,"end":1739.035,"sentiment":"positive","sentiment_score":0.5805017550786337},{"text":"Just sort of double checking goal wise as well.","start":1739.655,"end":1742.055,"sentiment":"neutral","sentiment_score":0.29500800205601585},{"text":"When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young.","start":1742.055,"end":1748.2799,"sentiment":"neutral","sentiment_score":0.09387803869321942},{"text":"I don't project all the way out to retirement.","start":1748.2799,"end":1751.1799,"sentiment":"neutral","sentiment_score":-0.003146317270067003},{"text":"I just look at the next five to ten years solely because there's too many things that could change in that time frame for you.","start":1751.24,"end":1757.1799,"sentiment":"neutral","sentiment_score":0.005392717756330967}],"sentiment":"neutral","sentiment_score":0.1516540138805403,"num_words":79,"start":1735.8151,"end":1757.1799},{"sentences":[{"text":"But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully?","start":1758.12,"end":1765.055,"sentiment":"neutral","sentiment_score":-0.004517600871622562},{"text":"Are you sort of hoping the earliest age possible, or do you think you're likely to work to 65?","start":1765.055,"end":1770.495,"sentiment":"neutral","sentiment_score":-0.025052540396389208},{"text":"What do you sort of think?","start":1770.495,"end":1771.875,"sentiment":"neutral","sentiment_score":-0.03008624166250229},{"text":"Hard.","start":1775.8551,"end":1776.3551,"sentiment":"neutral","sentiment_score":-0.11036454141139984},{"text":"Yeah.","start":1778.03,"end":1778.53,"sentiment":"neutral","sentiment_score":-0.027564752846956253}],"sentiment":"neutral","sentiment_score":-0.018241474100825737,"num_words":49,"start":1758.12,"end":1778.53},{"sentences":[{"text":"Yeah.","start":1788.11,"end":1788.51,"sentiment":"neutral","sentiment_score":-0.009520892053842545},{"text":"No.","start":1788.51,"end":1788.99,"sentiment":"neutral","sentiment_score":-0.07729903608560562},{"text":"Definitely not.","start":1788.99,"end":1790.0499,"sentiment":"neutral","sentiment_score":-0.07030394859611988},{"text":"Yep.","start":1793.375,"end":1793.775,"sentiment":"neutral","sentiment_score":0.03546283766627312},{"text":"Absolutely.","start":1793.775,"end":1794.275,"sentiment":"neutral","sentiment_score":0.06741401553153992}],"sentiment":"neutral","sentiment_score":-0.020758495355645817,"num_words":6,"start":1788.11,"end":1794.275},{"sentences":[{"text":"So the earliest you're able to access super is 60.","start":1794.975,"end":1798.1951,"sentiment":"neutral","sentiment_score":0.04031727705150843},{"text":"If you wanna look at retiring earlier, we'll definitely need to look at, you know, providing advice and building wealth outside of super either by way of, you know, a shared portfolio or contributing that way or investment properties and things like that.","start":1798.255,"end":1810.32,"sentiment":"neutral","sentiment_score":0.1271558350255323},{"text":"But if you get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah.","start":1810.62,"end":1816.14,"sentiment":"neutral","sentiment_score":0.14284718602895738},{"text":"I'm done.","start":1816.14,"end":1816.7,"sentiment":"neutral","sentiment_score":0.2641529440879822},{"text":"I wanna retire.","start":1816.7,"end":1817.76,"sentiment":"positive","sentiment_score":0.45360590020815533}],"sentiment":"neutral","sentiment_score":0.13652020380888358,"num_words":83,"start":1794.975,"end":1817.76},{"sentences":[{"text":"We'll definitely make it happen.","start":1818.005,"end":1819.2051,"sentiment":"positive","sentiment_score":0.7353280544281006},{"text":"Look at what you need to live on and how that works for you and provide advice for suit.","start":1819.2051,"end":1822.885,"sentiment":"positive","sentiment_score":0.49918711969726964},{"text":"And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for you.","start":1822.885,"end":1828.3251,"sentiment":"positive","sentiment_score":0.5608946653929624},{"text":"Okay?","start":1828.3251,"end":1828.8251,"sentiment":"neutral","sentiment_score":0.2192094922065735},{"text":"Excellent.","start":1830.73,"end":1831.23,"sentiment":"positive","sentiment_score":0.7117639780044556}],"sentiment":"positive","sentiment_score":0.5506635761509339,"num_words":48,"start":1818.005,"end":1831.23},{"sentences":[{"text":"Do you have any other goals that you're looking to achieve over the next couple of years at all?","start":1831.77,"end":1836.4099,"sentiment":"positive","sentiment_score":0.377215923447358},{"text":"I know you've got that trip to Japan, which is fantastic.","start":1836.4099,"end":1838.83,"sentiment":"positive","sentiment_score":0.5329153293913061},{"text":"But any other goals that you're sort of looking to achieve?","start":1839.5299,"end":1842.11,"sentiment":"neutral","sentiment_score":0.182888925075531},{"text":"Yes.","start":1847.535,"end":1848.035,"sentiment":"neutral","sentiment_score":0.07306475937366486},{"text":"Yeah.","start":1863.27,"end":1863.77,"sentiment":"neutral","sentiment_score":-0.001606018282473087}],"sentiment":"positive","sentiment_score":0.3514513508308419,"num_words":43,"start":1831.77,"end":1863.77},{"sentences":[{"text":"Yeah.","start":1871.3251,"end":1871.5651,"sentiment":"neutral","sentiment_score":0.029953528195619583},{"text":"Yeah.","start":1871.5651,"end":1871.885,"sentiment":"neutral","sentiment_score":0.049839504063129425},{"text":"Absolutely.","start":1871.885,"end":1872.385,"sentiment":"neutral","sentiment_score":0.08477920293807983},{"text":"So the broker you may have spoken to a while ago would be different.","start":1872.765,"end":1875.7251,"sentiment":"neutral","sentiment_score":0.02165257983974048},{"text":"He has retired.","start":1875.7251,"end":1876.8651,"sentiment":"neutral","sentiment_score":0.02715388499200344}],"sentiment":"neutral","sentiment_score":0.027458500396460295,"num_words":20,"start":1871.3251,"end":1876.8651},{"sentences":[{"text":"I've actually got some other really great brokers that we can refer you through to if you're comfortable with me doing so.","start":1877.165,"end":1882.8651,"sentiment":"neutral","sentiment_score":0.15137009458108383},{"text":"One of those is Fabian, who is honestly fantastic.","start":1883.4,"end":1885.9801,"sentiment":"neutral","sentiment_score":0.3296995477543937},{"text":"He can look at what your, you know, borrowing capacity is, look at whether borrowing now is appropriate or down the track and what you're sort of after.","start":1886.12,"end":1894.2001,"sentiment":"neutral","sentiment_score":0.13525634578296117},{"text":"Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity?","start":1894.2001,"end":1900.225,"sentiment":"neutral","sentiment_score":0.12855347541385684},{"text":"Yeah.","start":1903.245,"end":1903.645,"sentiment":"neutral","sentiment_score":0.20200642943382263}],"sentiment":"neutral","sentiment_score":0.15746823493181988,"num_words":89,"start":1877.165,"end":1903.645},{"sentences":[{"text":"Absolutely.","start":1903.645,"end":1904.145,"sentiment":"neutral","sentiment_score":0.26975542306900024},{"text":"Not a problem at all.","start":1904.605,"end":1905.725,"sentiment":"neutral","sentiment_score":0.2769374668598175},{"text":"So with the email I send out, it goes to yourself and to Fabian.","start":1905.725,"end":1909.9049,"sentiment":"neutral","sentiment_score":0.04228814904178892},{"text":"I just need permission from you to pop in your name, your email, your sorry.","start":1910.49,"end":1916.73,"sentiment":"neutral","sentiment_score":0.027587768994271754},{"text":"Contact phone number.","start":1916.73,"end":1917.85,"sentiment":"neutral","sentiment_score":0.0021360345805684724}],"sentiment":"neutral","sentiment_score":0.07017635480549775,"num_words":38,"start":1903.645,"end":1917.85},{"sentences":[{"text":"Is that okay if I give him those personal details?","start":1917.85,"end":1920.35,"sentiment":"neutral","sentiment_score":0.02745768241584301},{"text":"Fantastic.","start":1923.37,"end":1923.87,"sentiment":"positive","sentiment_score":0.592130184173584},{"text":"And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity?","start":1924.9349,"end":1931.355,"sentiment":"neutral","sentiment_score":0.11130795717753213},{"text":"After four PM.","start":1936.9349,"end":1938.075,"sentiment":"neutral","sentiment_score":-0.06111973896622658},{"text":"Yeah.","start":1939.5299,"end":1940.0299,"sentiment":"neutral","sentiment_score":-0.0020563993602991104}],"sentiment":"neutral","sentiment_score":0.0888459579595788,"num_words":44,"start":1917.85,"end":1940.0299},{"sentences":[{"text":"No.","start":1940.1699,"end":1940.4099,"sentiment":"neutral","sentiment_score":0.002333439886569977},{"text":"That's absolutely okay.","start":1940.4099,"end":1941.85,"sentiment":"neutral","sentiment_score":0.19969090819358826},{"text":"That's not a problem at all.","start":1941.85,"end":1943.13,"sentiment":"neutral","sentiment_score":0.313418909907341},{"text":"I'll organize that for you.","start":1943.13,"end":1944.4099,"sentiment":"positive","sentiment_score":0.3456007719039917},{"text":"No issues.","start":1944.4099,"end":1945.1499,"sentiment":"neutral","sentiment_score":0.20401909202337265}],"sentiment":"neutral","sentiment_score":0.2716448039692991,"num_words":17,"start":1940.1699,"end":1945.1499},{"sentences":[{"text":"I'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try.","start":1945.61,"end":1954.745,"sentiment":"neutral","sentiment_score":0.19101456935916628},{"text":"And they're really great.","start":1955.285,"end":1956.245,"sentiment":"positive","sentiment_score":0.7398020029067993},{"text":"They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property.","start":1956.245,"end":1961.925,"sentiment":"positive","sentiment_score":0.47179332996408146},{"text":"Hopefully, you find what you're after.","start":1961.925,"end":1963.4451,"sentiment":"positive","sentiment_score":0.4203084359566371},{"text":"That'd be fantastic.","start":1963.4451,"end":1964.505,"sentiment":"positive","sentiment_score":0.7056237061818441}],"sentiment":"positive","sentiment_score":0.3556455498975184,"num_words":72,"start":1945.61,"end":1964.505},{"sentences":[{"text":"Excellent.","start":1966.64,"end":1967.14,"sentiment":"positive","sentiment_score":0.5557381510734558},{"text":"The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you.","start":1967.36,"end":1974.0,"sentiment":"neutral","sentiment_score":0.18541063607803412},{"text":"I literally have filled most of it out already.","start":1974.0,"end":1976.4199,"sentiment":"neutral","sentiment_score":0.2495817012257046},{"text":"The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can?","start":1977.36,"end":1987.435,"sentiment":"neutral","sentiment_score":0.04955653799697757},{"text":"Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower?","start":1987.435,"end":1998.0099,"sentiment":"neutral","sentiment_score":0.011007682885974646}],"sentiment":"neutral","sentiment_score":0.09736790529945318,"num_words":102,"start":1966.64,"end":1998.0099},{"sentences":[{"text":"Where do you think you fit yourself?","start":1998.0099,"end":1999.47,"sentiment":"neutral","sentiment_score":-0.004588871662105832},{"text":"The middle?","start":2003.5299,"end":2004.1699,"sentiment":"neutral","sentiment_score":-0.0043663280084729195},{"text":"Yep.","start":2004.1699,"end":2004.6699,"sentiment":"neutral","sentiment_score":0.036507319658994675},{"text":"Yep.","start":2005.37,"end":2005.87,"sentiment":"neutral","sentiment_score":0.1232672929763794},{"text":"Perfect.","start":2006.97,"end":2007.47,"sentiment":"neutral","sentiment_score":0.2568318247795105}],"sentiment":"neutral","sentiment_score":0.03131263998026649,"num_words":12,"start":1998.0099,"end":2007.47},{"sentences":[{"text":"If the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling?","start":2008.265,"end":2017.885,"sentiment":"neutral","sentiment_score":-0.09733976361652215},{"text":"Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip?","start":2018.105,"end":2023.325,"sentiment":"neutral","sentiment_score":0.026037574745714664},{"text":"Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure?","start":2023.5701,"end":2035.8301,"sentiment":"neutral","sentiment_score":-0.022952460197974808},{"text":"How do you think you might fit into that category?","start":2035.89,"end":2037.99,"sentiment":"neutral","sentiment_score":0.026501490175724028},{"text":"Yeah.","start":2046.505,"end":2046.8251,"sentiment":"neutral","sentiment_score":0.23042108118534088}],"sentiment":"neutral","sentiment_score":-0.034688199690284846,"num_words":119,"start":2008.265,"end":2046.8251},{"sentences":[{"text":"Absolutely.","start":2046.8251,"end":2047.3251,"sentiment":"positive","sentiment_score":0.42265236377716064},{"text":"Fantastic.","start":2047.7051,"end":2048.205,"sentiment":"positive","sentiment_score":0.5889334678649902},{"text":"And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property?","start":2048.745,"end":2055.78,"sentiment":"neutral","sentiment_score":0.1562350985001434},{"text":"Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property?","start":2056.08,"end":2066.6602,"sentiment":"neutral","sentiment_score":0.04756816747513684},{"text":"How do you see yourself bidding?","start":2066.8,"end":2068.185,"sentiment":"neutral","sentiment_score":-0.006705523158113162}],"sentiment":"neutral","sentiment_score":0.09489324422819274,"num_words":63,"start":2046.8251,"end":2068.185},{"sentences":[{"text":"Property.","start":2072.425,"end":2072.925,"sentiment":"neutral","sentiment_score":-0.005099227651953697},{"text":"Yeah.","start":2073.065,"end":2073.5452,"sentiment":"neutral","sentiment_score":0.05046230927109718},{"text":"That's okay.","start":2073.5452,"end":2074.445,"sentiment":"neutral","sentiment_score":0.1166987270116806},{"text":"Absolutely.","start":2075.145,"end":2075.645,"sentiment":"neutral","sentiment_score":0.33062851428985596},{"text":"Perfect.","start":2076.5051,"end":2077.0051,"sentiment":"positive","sentiment_score":0.439935564994812}],"sentiment":"neutral","sentiment_score":0.17488743582119545,"num_words":6,"start":2072.425,"end":2077.0051},{"sentences":[{"text":"Now having a look at that one there, you have scored as a growth investor.","start":2077.385,"end":2080.7651,"sentiment":"neutral","sentiment_score":0.16676580508550007},{"text":"So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed interest.","start":2080.825,"end":2098.08,"sentiment":"neutral","sentiment_score":0.11772390602613395},{"text":"As I kinda mentioned before, we're tracking to try and obtain a compounded annual return of between seven to 9% as an average, but you wanna get the best you can.","start":2098.625,"end":2107.9849,"sentiment":"neutral","sentiment_score":0.08585392106925288},{"text":"So we know some years you'll get a seven or 9%.","start":2107.9849,"end":2110.7048,"sentiment":"neutral","sentiment_score":0.02108525518666614},{"text":"Some years it might be a one or 2%.","start":2110.7048,"end":2112.51,"sentiment":"neutral","sentiment_score":-0.013731221771902509}],"sentiment":"neutral","sentiment_score":0.0967284240329466,"num_words":119,"start":2077.385,"end":2112.51},{"sentences":[{"text":"Other years, it could be a 15 or 20%.","start":2112.51,"end":2114.67,"sentiment":"neutral","sentiment_score":0.006238436947266261},{"text":"It just depends on market reactions, but it's about investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns.","start":2114.67,"end":2128.625,"sentiment":"neutral","sentiment_score":0.03493278851700862},{"text":"It is always hard to know that they are negative to any portfolio, and that markets do see downtime.","start":2129.885,"end":2135.9849,"sentiment":"neutral","sentiment_score":-0.21860114210530332},{"text":"In this kind of environment, we'd expect the likelihood of a negative return about one in every five years.","start":2136.69,"end":2142.79,"sentiment":"neutral","sentiment_score":-0.21125952115184382},{"text":"But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon.","start":2142.93,"end":2149.41,"sentiment":"neutral","sentiment_score":0.3132459372282028}],"sentiment":"neutral","sentiment_score":0.005530636681023201,"num_words":114,"start":2112.51,"end":2149.41},{"sentences":[{"text":"And that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead of you at the moment.","start":2149.41,"end":2157.555,"sentiment":"positive","sentiment_score":0.4332247506827116},{"text":"In saying that, do you feel you're comfortable in that growth environment at the moment?","start":2158.575,"end":2162.755,"sentiment":"neutral","sentiment_score":0.23662588000297546},{"text":"Yes?","start":2166.655,"end":2167.08,"sentiment":"neutral","sentiment_score":0.07609206438064575},{"text":"Mhmm.","start":2174.2002,"end":2174.7002,"sentiment":"neutral","sentiment_score":0.006879082880914211},{"text":"Yeah.","start":2178.6,"end":2178.84,"sentiment":"neutral","sentiment_score":0.005136162042617798}],"sentiment":"positive","sentiment_score":0.3500137506239116,"num_words":50,"start":2149.41,"end":2178.84},{"sentences":[{"text":"No.","start":2178.84,"end":2179.08,"sentiment":"neutral","sentiment_score":-0.07088318467140198},{"text":"That's it.","start":2179.08,"end":2179.56,"sentiment":"neutral","sentiment_score":-0.04580792784690857},{"text":"That's okay.","start":2179.56,"end":2180.3801,"sentiment":"neutral","sentiment_score":0.19465134292840958},{"text":"That's absolutely fine.","start":2180.635,"end":2181.855,"sentiment":"positive","sentiment_score":0.44916043678919476},{"text":"Yes.","start":2182.155,"end":2182.475,"sentiment":"positive","sentiment_score":0.38027673959732056}],"sentiment":"neutral","sentiment_score":0.21717352171738943,"num_words":9,"start":2178.84,"end":2182.475},{"sentences":[{"text":"That's alright.","start":2182.475,"end":2182.955,"sentiment":"positive","sentiment_score":0.4255722314119339},{"text":"So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three.","start":2182.955,"end":2194.27,"sentiment":"neutral","sentiment_score":0.22084015353423794},{"text":"So you're kind of not all aggressive, not all defensive.","start":2194.41,"end":2197.61,"sentiment":"neutral","sentiment_score":0.12098304480314255},{"text":"You're kind of in that middle range at the moment.","start":2197.61,"end":2199.95,"sentiment":"neutral","sentiment_score":0.28692977130413055},{"text":"Do you feel like that's where you are comfortable where you wanna be for the moment?","start":2200.17,"end":2204.11,"sentiment":"neutral","sentiment_score":0.23826942685991526}],"sentiment":"neutral","sentiment_score":0.2252788575766962,"num_words":79,"start":2182.475,"end":2204.11},{"sentences":[{"text":"Yeah.","start":2206.65,"end":2206.965,"sentiment":"neutral","sentiment_score":0.090493842959404},{"text":"Yeah.","start":2208.3252,"end":2208.8252,"sentiment":"neutral","sentiment_score":0.1671598255634308},{"text":"That's okay.","start":2209.205,"end":2210.0051,"sentiment":"neutral","sentiment_score":0.2507769539952278},{"text":"There's definitely no wrong answer.","start":2210.0051,"end":2211.845,"sentiment":"neutral","sentiment_score":0.06242068260908127},{"text":"In all honesty, I've got clients who are in their fifties who wear black and blue.","start":2211.845,"end":2216.0852,"sentiment":"neutral","sentiment_score":0.17524144751951098}],"sentiment":"neutral","sentiment_score":0.1550069659948349,"num_words":25,"start":2206.65,"end":2216.0852},{"sentences":[{"text":"They're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn.","start":2216.0852,"end":2224.47,"sentiment":"neutral","sentiment_score":0.1752495842852763},{"text":"I've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself.","start":2225.0898,"end":2236.47,"sentiment":"neutral","sentiment_score":0.13758483931824966},{"text":"But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk.","start":2236.5298,"end":2244.985,"sentiment":"neutral","sentiment_score":0.24954139215476584},{"text":"There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through.","start":2244.985,"end":2257.54,"sentiment":"neutral","sentiment_score":-0.1696739407049285},{"text":"If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more.","start":2258.0,"end":2266.1802,"sentiment":"neutral","sentiment_score":-0.20854365671503133}],"sentiment":"neutral","sentiment_score":0.026449999880305556,"num_words":172,"start":2216.0852,"end":2266.1802},{"sentences":[{"text":"But right now, that portfolio does generally suit where you're at age and stage wise.","start":2266.665,"end":2272.365,"sentiment":"neutral","sentiment_score":0.13603498289982477},{"text":"I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you.","start":2272.825,"end":2279.085,"sentiment":"neutral","sentiment_score":0.3232473994676883},{"text":"Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you.","start":2279.3699,"end":2288.5698,"sentiment":"positive","sentiment_score":0.45068172345290314},{"text":"How does that sound?","start":2288.5698,"end":2289.63,"sentiment":"neutral","sentiment_score":0.16513310186564922},{"text":"Yeah.","start":2292.905,"end":2293.225,"sentiment":"positive","sentiment_score":0.3421083688735962}],"sentiment":"positive","sentiment_score":0.3388291767921792,"num_words":83,"start":2266.665,"end":2293.225},{"sentences":[{"text":"All good.","start":2293.225,"end":2293.965,"sentiment":"positive","sentiment_score":0.5569534748792648},{"text":"I know I do go through a lot there, Richard.","start":2294.345,"end":2296.665,"sentiment":"neutral","sentiment_score":0.14550503343343735},{"text":"Do you have any questions or anything that you kinda wanted me to touch base on?","start":2296.665,"end":2300.425,"sentiment":"neutral","sentiment_score":0.06115244363900274},{"text":"I'm sorry.","start":2300.425,"end":2301.085,"sentiment":"neutral","sentiment_score":-0.07191132754087448},{"text":"No.","start":2304.185,"end":2304.51,"sentiment":"neutral","sentiment_score":-0.1719774603843689}],"sentiment":"neutral","sentiment_score":0.10424504086615578,"num_words":31,"start":2293.225,"end":2304.51},{"sentences":[{"text":"Yeah.","start":2306.75,"end":2307.25,"sentiment":"neutral","sentiment_score":0.07664355635643005},{"text":"Yep.","start":2308.03,"end":2308.35,"sentiment":"neutral","sentiment_score":0.18804959952831268},{"text":"That's absolutely fine.","start":2308.35,"end":2309.55,"sentiment":"positive","sentiment_score":0.4496424396832784},{"text":"That's perfect.","start":2309.55,"end":2310.29,"sentiment":"positive","sentiment_score":0.6713340580463409},{"text":"Well, I've got your ongoing service agreement in there for you.","start":2310.59,"end":2313.55,"sentiment":"neutral","sentiment_score":0.16721473769708114}],"sentiment":"neutral","sentiment_score":0.26642503920528626,"num_words":18,"start":2306.75,"end":2313.55},{"sentences":[{"text":"You do pay an ongoing service fee of 1.65 percent for our services.","start":2313.55,"end":2317.49,"sentiment":"neutral","sentiment_score":0.12259353124178372},{"text":"That's the yearly fee, and it's deducted in smaller monthly increments.","start":2318.055,"end":2321.175,"sentiment":"neutral","sentiment_score":0.10392552817409689},{"text":"They're the same as it has been for the last couple of years.","start":2321.175,"end":2323.835,"sentiment":"neutral","sentiment_score":0.15910272300243378},{"text":"All of those documents I've gone through are in there, and our financial services guide is also attached for you.","start":2324.375,"end":2330.2349,"sentiment":"neutral","sentiment_score":0.1641092613339424},{"text":"In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up?","start":2330.73,"end":2340.01,"sentiment":"neutral","sentiment_score":0.12688940715916613}],"sentiment":"neutral","sentiment_score":0.13510787959855336,"num_words":104,"start":2313.55,"end":2340.01},{"sentences":[{"text":"What would you like to see down the track, or you're just happy with a review once a year?","start":2340.01,"end":2343.61,"sentiment":"neutral","sentiment_score":0.24155294189327642},{"text":"What would you like to see?","start":2343.61,"end":2355.035,"sentiment":"neutral","sentiment_score":0.06680116740365823},{"text":"Yeah.","start":2355.035,"end":2355.355,"sentiment":"neutral","sentiment_score":0.0429474413394928},{"text":"Yeah.","start":2355.355,"end":2355.7551,"sentiment":"neutral","sentiment_score":0.04276903346180916},{"text":"Yeah.","start":2355.7551,"end":2356.2551,"sentiment":"neutral","sentiment_score":0.08215196430683136}],"sentiment":"neutral","sentiment_score":0.18422076212508337,"num_words":28,"start":2340.01,"end":2356.2551},{"sentences":[{"text":"Yep.","start":2358.01,"end":2358.41,"sentiment":"neutral","sentiment_score":0.14181721210479736},{"text":"Absolutely.","start":2358.41,"end":2358.91,"sentiment":"neutral","sentiment_score":0.32169783115386963},{"text":"Not a problem at all.","start":2359.21,"end":2360.0898,"sentiment":"neutral","sentiment_score":0.2592353641986847},{"text":"If that ever changes and you want something additional or you have any additional questions, please let me know.","start":2360.0898,"end":2364.73,"sentiment":"neutral","sentiment_score":0.08370653441862057},{"text":"It's not a problem.","start":2364.73,"end":2365.7898,"sentiment":"neutral","sentiment_score":0.27553290128707886}],"sentiment":"neutral","sentiment_score":0.14840825411180655,"num_words":30,"start":2358.01,"end":2365.7898},{"sentences":[{"text":"In the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things.","start":2366.41,"end":2372.27,"sentiment":"neutral","sentiment_score":0.1475105180784508},{"text":"The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income protection.","start":2372.865,"end":2379.125,"sentiment":"neutral","sentiment_score":0.0692519876977493},{"text":"I need one of them to do a bit of a free assessment with you, just an updated questionnaire around your health just to make sure that when we go and look at increasing your income protection, we understand, you know, how it might be assessed by the insurance and what your health scenario looks like.","start":2379.185,"end":2395.02,"sentiment":"neutral","sentiment_score":0.08646437485835382},{"text":"Are you comfortable if I get someone to give you a call maybe next week and just run through a quick five minute free assessment with you?","start":2395.02,"end":2402.515,"sentiment":"neutral","sentiment_score":0.049393820541876333},{"text":"Yep.","start":2403.535,"end":2403.9348,"sentiment":"neutral","sentiment_score":0.1120293065905571}],"sentiment":"neutral","sentiment_score":0.08770542203315666,"num_words":140,"start":2366.41,"end":2403.9348},{"sentences":[{"text":"Fantastic.","start":2403.9348,"end":2404.4348,"sentiment":"positive","sentiment_score":0.3546634614467621},{"text":"Is there you sort of said after 05:00.","start":2404.815,"end":2407.4749,"sentiment":"neutral","sentiment_score":0.03576248814351857},{"text":"Is there a day next week that might be more preferable for someone to give you a call late in the afternoon.","start":2408.095,"end":2419.35,"sentiment":"neutral","sentiment_score":0.02169188962910663},{"text":"Yep.","start":2419.35,"end":2419.83,"sentiment":"neutral","sentiment_score":0.06914687901735306},{"text":"Absolutely.","start":2419.83,"end":2420.31,"sentiment":"neutral","sentiment_score":0.08720581233501434}],"sentiment":"neutral","sentiment_score":0.03861629181174618,"num_words":33,"start":2403.9348,"end":2420.31},{"sentences":[{"text":"What if I get one of my team to give you a call maybe next Wednesday, say, 04:30, 05:00, or would that be a bit late?","start":2420.31,"end":2427.345,"sentiment":"neutral","sentiment_score":0.010032506050685277},{"text":"Yep.","start":2433.185,"end":2433.425,"sentiment":"neutral","sentiment_score":0.10336387157440186},{"text":"Yeah.","start":2433.425,"end":2433.7449,"sentiment":"neutral","sentiment_score":0.12719617784023285},{"text":"No.","start":2433.7449,"end":2434.065,"sentiment":"neutral","sentiment_score":0.13770148158073425},{"text":"It'll be really quick.","start":2434.065,"end":2434.945,"sentiment":"neutral","sentiment_score":0.2091248258948326}],"sentiment":"neutral","sentiment_score":0.044412302784621716,"num_words":33,"start":2420.31,"end":2434.945},{"sentences":[{"text":"It's not a problem at all.","start":2434.945,"end":2436.465,"sentiment":"positive","sentiment_score":0.4562138815720876},{"text":"My admin team is Samantha.","start":2436.465,"end":2437.905,"sentiment":"positive","sentiment_score":0.6035082340240479},{"text":"She's absolutely beautiful.","start":2437.905,"end":2439.025,"sentiment":"positive","sentiment_score":0.7649646997451782},{"text":"She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you.","start":2439.025,"end":2445.28,"sentiment":"positive","sentiment_score":0.42130971396410904},{"text":"Not a problem.","start":2445.28,"end":2446.18,"sentiment":"neutral","sentiment_score":0.24990110596021017}],"sentiment":"positive","sentiment_score":0.45851782167499716,"num_words":44,"start":2434.945,"end":2446.18},{"sentences":[{"text":"Easy.","start":2446.56,"end":2447.06,"sentiment":"neutral","sentiment_score":0.08253111690282822},{"text":"If it's okay, I'd love to book you in now to go through your advice document as well.","start":2448.24,"end":2452.8,"sentiment":"positive","sentiment_score":0.5677797579103045},{"text":"It takes me about two to three weeks to complete the research there.","start":2452.8,"end":2456.42,"sentiment":"neutral","sentiment_score":0.20892565296246454},{"text":"Is is that after 04:00?","start":2457.36,"end":2459.5652,"sentiment":"neutral","sentiment_score":0.05684275105595589},{"text":"I can organize a time if you're comfortable with it.","start":2459.705,"end":2463.145,"sentiment":"neutral","sentiment_score":0.1458514802157879}],"sentiment":"neutral","sentiment_score":0.31407082564336186,"num_words":47,"start":2446.56,"end":2463.145},{"sentences":[{"text":"Sorry.","start":2463.145,"end":2463.645,"sentiment":"neutral","sentiment_score":-0.03129892796278},{"text":"Where are we?","start":2465.145,"end":2465.7852,"sentiment":"neutral","sentiment_score":-0.020908321253955364},{"text":"We are in August 6 today.","start":2465.7852,"end":2468.605,"sentiment":"neutral","sentiment_score":0.01924680732190609},{"text":"I can do in three weeks on Tuesday, the twenty fifth, at 5PM.","start":2470.6199,"end":2475.18,"sentiment":"neutral","sentiment_score":0.051589054556993336},{"text":"If that would be okay with you?","start":2475.18,"end":2476.96,"sentiment":"neutral","sentiment_score":0.07737811974116734}],"sentiment":"neutral","sentiment_score":0.04112538332119584,"num_words":30,"start":2463.145,"end":2476.96},{"sentences":[{"text":"Yep.","start":2479.9,"end":2480.4,"sentiment":"neutral","sentiment_score":-0.03941045701503754},{"text":"That's okay.","start":2481.9,"end":2482.7,"sentiment":"neutral","sentiment_score":-0.022015977650880814},{"text":"What I'll do is I'll send a text message reminder there for you.","start":2482.7,"end":2485.395,"sentiment":"neutral","sentiment_score":0.095536837211022},{"text":"So it'll send you a reminder to let you know I'll be giving you a call.","start":2485.395,"end":2488.5151,"sentiment":"neutral","sentiment_score":0.0997898313216865},{"text":"If you find that doesn't suit, you can just let us know.","start":2488.5151,"end":2491.475,"sentiment":"neutral","sentiment_score":-0.03579330878953139}],"sentiment":"neutral","sentiment_score":0.052855774252252144,"num_words":44,"start":2479.9,"end":2491.475},{"sentences":[{"text":"We can happily reschedule that.","start":2491.475,"end":2493.0752,"sentiment":"neutral","sentiment_score":0.26985609233379365},{"text":"Is that okay?","start":2493.0752,"end":2493.895,"sentiment":"neutral","sentiment_score":0.129898635049661},{"text":"Fantastic.","start":2497.0,"end":2497.5,"sentiment":"positive","sentiment_score":0.7674570083618164},{"text":"We'll make sure we get that research all completed there for you.","start":2497.8801,"end":2501.02,"sentiment":"positive","sentiment_score":0.7250088552633921},{"text":"I will let you go, so thank you so much for your time.","start":2501.24,"end":2503.6401,"sentiment":"positive","sentiment_score":0.7980206517072824}],"sentiment":"positive","sentiment_score":0.6347296503098572,"num_words":34,"start":2491.475,"end":2503.6401},{"sentences":[{"text":"I really appreciate it, and I hope you have a good afternoon.","start":2503.6401,"end":2506.86,"sentiment":"positive","sentiment_score":0.7976244191328684},{"text":"Thanks, Richard.","start":2509.951,"end":2510.8508,"sentiment":"positive","sentiment_score":0.5671138167381287},{"text":"Have a great afternoon.","start":2510.911,"end":2511.8708,"sentiment":"positive","sentiment_score":0.5719190090894699},{"text":"See you later.","start":2511.8708,"end":2512.691,"sentiment":"positive","sentiment_score":0.480562428633372},{"text":"Bye.","start":2512.7507,"end":2513.2507,"sentiment":"neutral","sentiment_score":0.2021416127681732}],"sentiment":"positive","sentiment_score":0.6653284362771295,"num_words":22,"start":2503.6401,"end":2513.2507}]}}]},{"alternatives":[{"transcript":"Hello. Richard speaking. Good. Thank you. Yourself? Yeah. No. Now or never really. Yes. Yeah. He's been trapped inside all day, and he's keen to to get out. Yeah. We all can. No. Look. Any anytime's never gonna really be a good time, to be honest. It's it's just yeah. Yep. Yeah. And all good. Yeah. No. That's fine. Yeah. Richard Peachey. It's been out July 19 98 And 6 Fenwick Street, Fanval. Yeah. You can run through it. That's fine. I I think that's pretty much what I've done all all the time. Yeah. Yeah. Yes. Yeah. Yes. No. That's fine. Look. I I think so far it's been it's been good. So I haven't been overly too concerned, which is yeah. Yes. Yeah. Yeah. No. That's fine. Yeah. Yeah. Not not really. Look. I I guess, you know, it's just it's it's it's understanding the market, which is, you know, unfortunately, not not my cup of tea. Yeah. And it is what it is. But, look, I I do jump on on the app every now and again and and have a look and but I've I've never had any problems with how it's been growing. So yeah. No. All happy. Yeah. Yeah. No. Awesome. Well, I guess, just to cover off my I guess, any debt that's outstanding, essentially. We still owe about 360,000. Yeah. Fuck. I wish. Just sorry. I guess 780,000. No. That that's just it. Yeah. I I think it's enough, but that's probably just because I'm better with money. Yeah. Okay. Yes. Yep. Yes. No. I I think it's fine. Like, I I guess you never really know what what will happen. And I guess at the moment, it seems like it's it's sufficient enough. Yeah. Yeah. No. It's it's gone up since since that last yeah. I am 130,000. Oh, just luck of the draw, I guess, a little. I like to think I am. What was that one? Sorry. Is that my jet, was it? Okay. Sorry. Yep. No. You're alright. Yeah. Look. It probably wouldn't be enough anymore. Just quickly opening up my my budget. My old one is there. Damn it. I'll let them know. No. That's right. And, look, I guess, originally, I I budgeted everything off by, I guess, my previous income, which wasn't the 80,000. I did get a pay rise in between there, which was a 110,000. And I guess what's my total debt? It's a lot more than it was back then. So I I guess yeah. Look. Even, like, 7,000 a month would cover all my debt, but that's also not making any, I guess, any sacrifices in that time. Yeah. Yeah. Yeah. No. That's fine. Yeah. Look. I I guess that's it. So you're like, look. Even with my job role, look. I I guess I'm pretty I'm 90% office space now versus where I was prior. It had to be quite a severe injury to take me off for a long period of time. Yeah. I guess, what what's the longest longest, like, sort of payout time? What would be the sorry. I'm at the shortest. Sorry. That was my bad. Yeah. Look. I'm happy to go down to two years because I know that will bring down a premium. And I guess just with my industry, all my work, it it's not really manual handling or anything like that. So there's no real, I guess, concern that I wouldn't go back to work pretty pretty soon, and I I already work three days from home. So yep. For two years? Yes. Yeah. Yeah. Yeah. No. That's fine. Sorry. Yes. So now it's fine. Like, I'm I'm not too too concerned. Yeah. Yeah. Awesome. Yeah. Yeah. Health and safety manager. Yes. Yeah. Yes. Yeah. Pretty much. Like, I guess that that's my my my biggest role. Regardless of where I am, it's all pretty much office sort of work. So whether I'm working from home or working in the office, it's all still office. No. I think we do quite well with our savings. We budget for a holiday as well, so that that's that goes well, and it's not cheap going to Japan. So yeah. It is. This will be our third trip. Yes. Yes. It is. I guess, on average, probably about $141,500 a month. Yeah. No. Pretty pretty I guess, like, all the money, extra money we just saved to to go into Japan, really. Yeah. Yeah. Yes. Yes. Yes. Yeah. Yes. Yeah. Yeah. That's fine. I I remember getting the letter, and I I left it in front of me for a while, and then I just never never filled it. Yes. Yep. No. So Saneco, s a n e c o. Yes. Thirty first of the third nineteen ninety. Yes. Yeah. No. That's fine. I I I guess what what the sixth one, sir? I guess it gets reviewed every three years. Is that correct then? Okay. Yeah. Yeah. Yeah. Okay. We can do it. Yeah. Yes. That's yes. Yeah. Yeah. No. That's fine. It's been mentioned, but nothing I've really been too too worried about. Yeah. It's probably going up a little bit. I'm not I'd, you know, just probably just say, like, 11,000, I guess. I mean, it's probably a little bit less now being it's age and how many cases it's done, but, yeah, 8,000 is fine. No. None. Yes. I think the insurance policy is at 75. That's Yeah. I don't know. I'll just say, like, if you're not to retire tomorrow. But, yeah, I I guess you're nice. I look I guess at the moment, it's just 65 is is is not an unreasonable target. But, you know, ideally, if I could done by 50, would it be even even better? Yeah. Yeah. I guess we're looking at purchasing it soon shortly. And I I remember talking last time to the last person that we looked at using a a broker. But because I wasn't in my job long enough, they just said to hold off until I've been there for a while. And it's been quite a long time since I've had that discussion. So I was seeing if we're able to re I guess, revisit it being I don't know if there's any more extra sort of push you guys are able to do. Yeah. Yeah. If we can, that's fine. Yeah. No. That's fine. Look. Around the same time as any time after 04:00 just seems to be good, but it's it's still just a hit and miss, unfortunately. Yes. I think I've always said, like, around the middle. Fine to take some risks because yeah. Look. I guess being my age, I'm not too stressed on it. I'm just happy, I guess I guess, for a bit of guidance from from you guys. Yeah. I'd probably say I'm only comfortable really buying property. Yeah. Yeah. No. I guess I mean, I guess there's there's no there's no issues being a little bit more aggressive at this point of time in my life. I'm not too concerned, to be honest. Yeah. Yeah. I mean, that definitely sounds more like yeah. I'm more of me. Yeah. No. That's fine. No. Not not really, I guess. It's it's it's it's all the same, I guess, essentially, and and yeah. Yeah. Yeah. Look, I guess I'm happy with the the once once a year because at least it shows a bit of time and growth rather than if you I guess, if you catch up too regularly, it, you know, it doesn't show you, I guess, the whole yeah. Yeah. No. That's fine. Yes. Just any time after after four is fine. Yeah. No. It should be should be fine. Yeah. It's just it's just really see. Yep. Yeah. It should be fine. I don't know what's happening in that fine town, unfortunately. Yes. Yeah. No. That's fine. Yeah. But thank you. You too. Talk to you next time. Alright. Cheers. Bye. Thank you, sir. 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Richard speaking. Good. Thank you. Yourself?\n\nYeah. No. Now or never really. Yes. Yeah.\n\nHe's been trapped inside all day, and he's keen to to get out. Yeah. We all can. No. Look.\n\nAny anytime's never gonna really be a good time, to be honest. It's it's just yeah. Yep. Yeah. And all good.\n\nYeah. No. That's fine. Yeah. Richard Peachey.\n\nIt's been out July 19 98 And 6 Fenwick Street, Fanval. Yeah. You can run through it. That's fine. I I think that's pretty much what I've done all all the time.\n\nYeah. Yeah. Yes. Yeah. Yes.\n\nNo. That's fine. Look. I I think so far it's been it's been good. So I haven't been overly too concerned, which is yeah.\n\nYes. Yeah. Yeah. No. That's fine.\n\nYeah. Yeah. Not not really. Look. I I guess, you know, it's just it's it's it's understanding the market, which is, you know, unfortunately, not not my cup of tea.\n\nYeah. And it is what it is. But, look, I I do jump on on the app every now and again and and have a look and but I've I've never had any problems with how it's been growing. So yeah. No.\n\nAll happy. Yeah. Yeah. No. Awesome.\n\nWell, I guess, just to cover off my I guess, any debt that's outstanding, essentially. We still owe about 360,000. Yeah. Fuck. I wish.\n\nJust sorry. I guess 780,000. No. That that's just it. Yeah.\n\nI I think it's enough, but that's probably just because I'm better with money. Yeah. Okay. Yes. Yep.\n\nYes. No. I I think it's fine. Like, I I guess you never really know what what will happen. And I guess at the moment, it seems like it's it's sufficient enough.\n\nYeah. Yeah. No. It's it's gone up since since that last yeah. I am 130,000.\n\nOh, just luck of the draw, I guess, a little. I like to think I am. What was that one? Sorry. Is that my jet, was it?\n\nOkay. Sorry. Yep. No. You're alright.\n\nYeah. Look. It probably wouldn't be enough anymore. Just quickly opening up my my budget. My old one is there.\n\nDamn it. I'll let them know. No. That's right. And, look, I guess, originally, I I budgeted everything off by, I guess, my previous income, which wasn't the 80,000.\n\nI did get a pay rise in between there, which was a 110,000. And I guess what's my total debt? It's a lot more than it was back then. So I I guess yeah. Look.\n\nEven, like, 7,000 a month would cover all my debt, but that's also not making any, I guess, any sacrifices in that time. Yeah. Yeah. Yeah. No.\n\nThat's fine. Yeah. Look. I I guess that's it. So you're like, look.\n\nEven with my job role, look. I I guess I'm pretty I'm 90% office space now versus where I was prior. It had to be quite a severe injury to take me off for a long period of time. Yeah. I guess, what what's the longest longest, like, sort of payout time?\n\nWhat would be the sorry. I'm at the shortest. Sorry. That was my bad. Yeah.\n\nLook. I'm happy to go down to two years because I know that will bring down a premium. And I guess just with my industry, all my work, it it's not really manual handling or anything like that. So there's no real, I guess, concern that I wouldn't go back to work pretty pretty soon, and I I already work three days from home. So yep.\n\nFor two years? Yes. Yeah. Yeah. Yeah.\n\nNo. That's fine. Sorry. Yes. So now it's fine.\n\nLike, I'm I'm not too too concerned. Yeah. Yeah. Awesome. Yeah.\n\nYeah. Health and safety manager. Yes. Yeah. Yes.\n\nYeah. Pretty much. Like, I guess that that's my my my biggest role. Regardless of where I am, it's all pretty much office sort of work. So whether I'm working from home or working in the office, it's all still office.\n\nNo. I think we do quite well with our savings. We budget for a holiday as well, so that that's that goes well, and it's not cheap going to Japan. So yeah. It is.\n\nThis will be our third trip. Yes. Yes. It is. I guess, on average, probably about $141,500 a month.\n\nYeah. No. Pretty pretty I guess, like, all the money, extra money we just saved to to go into Japan, really. Yeah. Yeah.\n\nYes. Yes. Yes. Yeah. Yes.\n\nYeah. Yeah. That's fine. I I remember getting the letter, and I I left it in front of me for a while, and then I just never never filled it. Yes.\n\nYep. No. So Saneco, s a n e c o. Yes. Thirty first of the third nineteen ninety.\n\nYes. Yeah. No. That's fine. I I I guess what what the sixth one, sir?\n\nI guess it gets reviewed every three years. Is that correct then? Okay. Yeah. Yeah.\n\nYeah. Okay. We can do it. Yeah. Yes.\n\nThat's yes. Yeah. Yeah. No. That's fine.\n\nIt's been mentioned, but nothing I've really been too too worried about. Yeah. It's probably going up a little bit. I'm not I'd, you know, just probably just say, like, 11,000, I guess. I mean, it's probably a little bit less now being it's age and how many cases it's done, but, yeah, 8,000 is fine.\n\nNo. None. Yes. I think the insurance policy is at 75. That's Yeah.\n\nI don't know. I'll just say, like, if you're not to retire tomorrow. But, yeah, I I guess you're nice. I look I guess at the moment, it's just 65 is is is not an unreasonable target. But, you know, ideally, if I could done by 50, would it be even even better?\n\nYeah. Yeah. I guess we're looking at purchasing it soon shortly. And I I remember talking last time to the last person that we looked at using a a broker. But because I wasn't in my job long enough, they just said to hold off until I've been there for a while.\n\nAnd it's been quite a long time since I've had that discussion. So I was seeing if we're able to re I guess, revisit it being I don't know if there's any more extra sort of push you guys are able to do. Yeah. Yeah. If we can, that's fine.\n\nYeah. No. That's fine. Look. Around the same time as any time after 04:00 just seems to be good, but it's it's still just a hit and miss, unfortunately.\n\nYes. I think I've always said, like, around the middle. Fine to take some risks because yeah. Look. I guess being my age, I'm not too stressed on it.\n\nI'm just happy, I guess I guess, for a bit of guidance from from you guys. Yeah. I'd probably say I'm only comfortable really buying property. Yeah. Yeah.\n\nNo. I guess I mean, I guess there's there's no there's no issues being a little bit more aggressive at this point of time in my life. I'm not too concerned, to be honest. Yeah. Yeah.\n\nI mean, that definitely sounds more like yeah. I'm more of me. Yeah. No. That's fine.\n\nNo. Not not really, I guess. It's it's it's it's all the same, I guess, essentially, and and yeah. Yeah. Yeah.\n\nLook, I guess I'm happy with the the once once a year because at least it shows a bit of time and growth rather than if you I guess, if you catch up too regularly, it, you know, it doesn't show you, I guess, the whole yeah. Yeah. No. That's fine. Yes.\n\nJust any time after after four is fine. Yeah. No. It should be should be fine. Yeah.\n\nIt's just it's just really see. Yep. Yeah. It should be fine. I don't know what's happening in that fine town, unfortunately.\n\nYes. Yeah. No. That's fine. Yeah.\n\nBut thank you. You too. Talk to you next time. Alright. Cheers.\n\nBye. Thank you, sir. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.030119867995381355},{"text":"Richard speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.027842273004353046},{"text":"Good.","start":6.7999997,"end":7.2,"sentiment":"positive","sentiment_score":0.5579404830932617},{"text":"Thank you.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.6097510159015656},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.3939856886863709}],"sentiment":"neutral","sentiment_score":0.3224618025124073,"num_words":7,"start":1.04,"end":8.02},{"sentences":[{"text":"Yeah.","start":15.665,"end":16.011667,"sentiment":"neutral","sentiment_score":-0.006016663275659084},{"text":"No.","start":16.011667,"end":16.358334,"sentiment":"neutral","sentiment_score":-0.06588853150606155},{"text":"Now or never 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Fanval.","start":91.18,"end":94.88,"sentiment":"neutral","sentiment_score":0.02889105931601741},{"text":"Yeah.","start":114.54,"end":114.86,"sentiment":"neutral","sentiment_score":0.02809298411011696},{"text":"You can run through it.","start":114.86,"end":116.14,"sentiment":"neutral","sentiment_score":0.037461329624056815},{"text":"That's fine.","start":116.14,"end":116.62,"sentiment":"neutral","sentiment_score":0.1804119050502777},{"text":"I I think that's pretty much what I've done all all the 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fine.","start":214.88501,"end":215.365,"sentiment":"neutral","sentiment_score":0.08586085587739944},{"text":"Look.","start":215.365,"end":215.60501,"sentiment":"neutral","sentiment_score":0.21824374794960025},{"text":"I I think so far it's been it's been good.","start":215.60501,"end":217.925,"sentiment":"positive","sentiment_score":0.3872717469930649},{"text":"So I haven't been overly too concerned, which is 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happy.","start":356.035,"end":356.85498,"sentiment":"neutral","sentiment_score":0.1251683011651039},{"text":"Yeah.","start":374.38498,"end":374.865,"sentiment":"neutral","sentiment_score":0.20057588815689087},{"text":"Yeah.","start":374.865,"end":375.10498,"sentiment":"neutral","sentiment_score":0.1351989209651947},{"text":"No.","start":375.10498,"end":375.425,"sentiment":"neutral","sentiment_score":0.2133265733718872},{"text":"Awesome.","start":375.425,"end":375.925,"sentiment":"positive","sentiment_score":0.43695068359375}],"sentiment":"neutral","sentiment_score":0.2060647780696551,"num_words":6,"start":356.035,"end":375.925},{"sentences":[{"text":"Well, I guess, just to cover off my I guess, any debt that's outstanding, essentially.","start":429.055,"end":433.635,"sentiment":"neutral","sentiment_score":-0.03384810617814461},{"text":"We still owe about 360,000.","start":447.99,"end":450.88998,"sentiment":"neutral","sentiment_score":-0.04118522182106972},{"text":"Yeah.","start":454.66498,"end":455.16498,"sentiment":"neutral","sentiment_score":-0.12448589503765106},{"text":"Fuck.","start":455.865,"end":456.365,"sentiment":"negative","sentiment_score":-0.4417860507965088},{"text":"I wish.","start":457.06497,"end":458.76498,"sentiment":"neutral","sentiment_score":-0.23512694612145424}],"sentiment":"neutral","sentiment_score":-0.07292389749394108,"num_words":24,"start":429.055,"end":458.76498},{"sentences":[{"text":"Just sorry.","start":464.905,"end":465.465,"sentiment":"neutral","sentiment_score":-0.042575057595968246},{"text":"I guess 780,000.","start":465.465,"end":467.405,"sentiment":"neutral","sentiment_score":-0.032648431758085884},{"text":"No.","start":477.94,"end":478.18,"sentiment":"neutral","sentiment_score":-0.11212505400180817},{"text":"That that's just 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guess that's it.","start":902.135,"end":903.255,"sentiment":"neutral","sentiment_score":0.029944746755063534},{"text":"So you're like, look.","start":903.255,"end":904.455,"sentiment":"neutral","sentiment_score":0.03063954133540392}],"sentiment":"neutral","sentiment_score":0.032897661153513655,"num_words":13,"start":843.44,"end":904.455},{"sentences":[{"text":"Even with my job role, look.","start":904.455,"end":905.655,"sentiment":"neutral","sentiment_score":-0.04187579701344172},{"text":"I I guess I'm pretty I'm 90% office space now versus where I was prior.","start":905.655,"end":911.03503,"sentiment":"neutral","sentiment_score":-0.01977949436598768},{"text":"It had to be quite a severe injury to take me off for a long period of time.","start":912.055,"end":917.31,"sentiment":"neutral","sentiment_score":-0.260329751090871},{"text":"Yeah.","start":917.31,"end":917.81,"sentiment":"neutral","sentiment_score":-0.01297765038907528},{"text":"I guess, what what's the longest longest, like, sort of payout time?","start":918.99,"end":922.69,"sentiment":"neutral","sentiment_score":0.005586147696400683}],"sentiment":"neutral","sentiment_score":-0.09961204990843096,"num_words":52,"start":904.455,"end":922.69},{"sentences":[{"text":"What would be the sorry.","start":929.315,"end":930.275,"sentiment":"neutral","sentiment_score":-0.11306709349155426},{"text":"I'm at the shortest.","start":930.275,"end":931.155,"sentiment":"neutral","sentiment_score":-0.16958794370293617},{"text":"Sorry.","start":931.155,"end":931.555,"sentiment":"negative","sentiment_score":-0.34696441888809204},{"text":"That was my 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office sort of work.","start":1179.895,"end":1184.055,"sentiment":"neutral","sentiment_score":0.018110084562347487},{"text":"So whether I'm working from home or working in the office, it's all still office.","start":1184.055,"end":1187.58,"sentiment":"neutral","sentiment_score":0.03579114253322283}],"sentiment":"neutral","sentiment_score":0.027663978339150186,"num_words":41,"start":1168.5801,"end":1187.58},{"sentences":[{"text":"No.","start":1206.765,"end":1207.085,"sentiment":"neutral","sentiment_score":-0.053557321429252625},{"text":"I think we do quite well with our savings.","start":1207.085,"end":1209.265,"sentiment":"neutral","sentiment_score":-0.024390393868088722},{"text":"We budget for a holiday as well, so that that's that goes well, and it's not cheap going to Japan.","start":1210.525,"end":1216.03,"sentiment":"neutral","sentiment_score":0.009112410712987185},{"text":"So yeah.","start":1216.0901,"end":1216.91,"sentiment":"neutral","sentiment_score":-0.03130146209150553},{"text":"It is.","start":1222.25,"end":1222.91,"sentiment":"neutral","sentiment_score":0.010739125311374664}],"sentiment":"neutral","sentiment_score":-0.0038808036924285047,"num_words":34,"start":1206.765,"end":1222.91},{"sentences":[{"text":"This will be our third trip.","start":1224.49,"end":1226.11,"sentiment":"positive","sentiment_score":0.37271327277024585},{"text":"Yes.","start":1235.615,"end":1236.115,"sentiment":"neutral","sentiment_score":0.2584313154220581},{"text":"Yes.","start":1236.3351,"end":1236.5751,"sentiment":"neutral","sentiment_score":0.2894285321235657},{"text":"It is.","start":1236.5751,"end":1237.3151,"sentiment":"positive","sentiment_score":0.33492425084114075},{"text":"I guess, on average, probably about $141,500 a 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fine.","start":1410.2999,"end":1410.94,"sentiment":"neutral","sentiment_score":0.10284611582756042},{"text":"I I remember getting the letter, and I I left it in front of me for a while, and then I just never never filled it.","start":1410.94,"end":1417.2799,"sentiment":"neutral","sentiment_score":0.006420192057983234},{"text":"Yes.","start":1434.505,"end":1434.985,"sentiment":"neutral","sentiment_score":0.06731900572776794}],"sentiment":"neutral","sentiment_score":0.02664169750266498,"num_words":31,"start":1361.21,"end":1434.985},{"sentences":[{"text":"Yep.","start":1434.985,"end":1435.485,"sentiment":"neutral","sentiment_score":0.077305369079113},{"text":"No.","start":1442.31,"end":1442.63,"sentiment":"neutral","sentiment_score":-0.004898339509963989},{"text":"So Saneco, s a n e c 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sir?","start":1546.6749,"end":1548.9149,"sentiment":"neutral","sentiment_score":-0.0055789194302633405}],"sentiment":"neutral","sentiment_score":0.02226263686704139,"num_words":15,"start":1479.83,"end":1548.9149},{"sentences":[{"text":"I guess it gets reviewed every three years.","start":1548.9149,"end":1551.3949,"sentiment":"neutral","sentiment_score":-0.009699534974060953},{"text":"Is that correct 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fine.","start":2290.415,"end":2291.2349,"sentiment":"neutral","sentiment_score":0.12293929606676102}],"sentiment":"neutral","sentiment_score":0.07801787438802421,"num_words":16,"start":2204.7048,"end":2291.2349},{"sentences":[{"text":"No.","start":2301.4602,"end":2301.7002,"sentiment":"neutral","sentiment_score":-0.10004872828722},{"text":"Not not really, I guess.","start":2301.7002,"end":2303.1602,"sentiment":"neutral","sentiment_score":-0.15415050089359283},{"text":"It's it's it's it's all the same, I guess, essentially, and and yeah.","start":2303.3801,"end":2306.6802,"sentiment":"neutral","sentiment_score":-0.1014489712050328},{"text":"Yeah.","start":2318.085,"end":2318.585,"sentiment":"neutral","sentiment_score":0.0922316163778305},{"text":"Yeah.","start":2344.7751,"end":2345.175,"sentiment":"neutral","sentiment_score":0.02145538292825222}],"sentiment":"neutral","sentiment_score":-0.09885480281497751,"num_words":21,"start":2301.4602,"end":2345.175},{"sentences":[{"text":"Look, I guess I'm happy with the the once once a year because at least it shows a bit of time and growth rather than if you I guess, if you catch up too regularly, it, you know, it doesn't show you, I guess, the whole yeah.","start":2345.175,"end":2356.69,"sentiment":"neutral","sentiment_score":0.2839053925919406},{"text":"Yeah.","start":2401.1602,"end":2401.4001,"sentiment":"neutral","sentiment_score":0.02773400768637657},{"text":"No.","start":2401.4001,"end":2401.56,"sentiment":"neutral","sentiment_score":-0.025798924267292023},{"text":"That's fine.","start":2401.56,"end":2402.3801,"sentiment":"neutral","sentiment_score":0.0029770713299512863},{"text":"Yes.","start":2414.875,"end":2415.115,"sentiment":"neutral","sentiment_score":0.04292141273617744}],"sentiment":"neutral","sentiment_score":0.25758392481993025,"num_words":52,"start":2345.175,"end":2415.115},{"sentences":[{"text":"Just any time after after four is fine.","start":2415.115,"end":2418.2551,"sentiment":"neutral","sentiment_score":0.03858208819292486},{"text":"Yeah.","start":2427.75,"end":2427.99,"sentiment":"neutral","sentiment_score":0.0205373577773571},{"text":"No.","start":2427.99,"end":2428.15,"sentiment":"neutral","sentiment_score":0.017990678548812866},{"text":"It should be should be fine.","start":2428.15,"end":2429.35,"sentiment":"neutral","sentiment_score":0.07176241651177406},{"text":"Yeah.","start":2429.35,"end":2429.51,"sentiment":"neutral","sentiment_score":0.1050197407603264}],"sentiment":"neutral","sentiment_score":0.05192817539414939,"num_words":17,"start":2415.115,"end":2429.51},{"sentences":[{"text":"It's just it's just really see.","start":2429.51,"end":2431.53,"sentiment":"neutral","sentiment_score":0.09313000241915385},{"text":"Yep.","start":2445.705,"end":2446.205,"sentiment":"neutral","sentiment_score":0.20220312476158145},{"text":"Yeah.","start":2477.265,"end":2477.3848,"sentiment":"neutral","sentiment_score":0.10722161829471588},{"text":"It should be fine.","start":2477.3848,"end":2478.305,"sentiment":"neutral","sentiment_score":0.17527101188898087},{"text":"I don't know what's happening in that fine town, unfortunately.","start":2478.305,"end":2480.4849,"sentiment":"neutral","sentiment_score":-0.10818728785961866}],"sentiment":"neutral","sentiment_score":0.022155269387770783,"num_words":22,"start":2429.51,"end":2480.4849},{"sentences":[{"text":"Yes.","start":2491.0,"end":2491.5,"sentiment":"neutral","sentiment_score":0.02117958851158619},{"text":"Yeah.","start":2494.0398,"end":2494.2798,"sentiment":"neutral","sentiment_score":0.04652520269155502},{"text":"No.","start":2494.2798,"end":2494.44,"sentiment":"neutral","sentiment_score":-0.061976756900548935},{"text":"That's fine.","start":2494.44,"end":2495.3398,"sentiment":"neutral","sentiment_score":0.20200879871845245},{"text":"Yeah.","start":2507.021,"end":2507.261,"sentiment":"positive","sentiment_score":0.3848356604576111}],"sentiment":"neutral","sentiment_score":0.1324302153661847,"num_words":6,"start":2491.0,"end":2507.261},{"sentences":[{"text":"But thank you.","start":2507.261,"end":2507.901,"sentiment":"positive","sentiment_score":0.4859409034252167},{"text":"You too.","start":2507.901,"end":2508.461,"sentiment":"positive","sentiment_score":0.35503828525543213},{"text":"Talk to you next time.","start":2508.461,"end":2509.681,"sentiment":"positive","sentiment_score":0.3374743938446045},{"text":"Alright.","start":2511.1008,"end":2511.6008,"sentiment":"positive","sentiment_score":0.35470932722091675},{"text":"Cheers.","start":2512.1409,"end":2512.541,"sentiment":"positive","sentiment_score":0.5821315050125122}],"sentiment":"positive","sentiment_score":0.39934267352024716,"num_words":12,"start":2507.261,"end":2512.541},{"sentences":[{"text":"Bye.","start":2512.541,"end":2512.781,"sentiment":"neutral","sentiment_score":0.22558419406414032},{"text":"Thank you, sir.","start":2512.781,"end":2513.421,"sentiment":"positive","sentiment_score":0.6608473857243856},{"text":"Bye.","start":2513.421,"end":2513.921,"sentiment":"neutral","sentiment_score":-0.08463519811630249}],"sentiment":"positive","sentiment_score":0.4246982306241989,"num_words":5,"start":2512.541,"end":2513.921}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Richard speaking.\n\nChannel 0: Hi, Richard. It's Dana from Okey Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had people think that they go through the annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. No. Now or never really.\n\nChannel 0: No. That's okay. You're fine. Now that you've got a bit going on in the background there.\n\nChannel 1: Yes. Yeah. He's been trapped inside all day, and he's keen to to get out.\n\nChannel 0: Poor thing. I feel so I feel I understand. It's\n\nChannel 1: Yeah.\n\nChannel 0: all good.\n\nChannel 1: We all\n\nChannel 0: Is\n\nChannel 1: can.\n\nChannel 0: now still you're right. Is now still a good time? Because if it's not, I could always reschedule. I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule.\n\nChannel 1: No. Look. Any anytime's\n\nChannel 0: That's\n\nChannel 1: never gonna\n\nChannel 0: good.\n\nChannel 1: really be a good time, to be honest. It's it's just yeah.\n\nChannel 0: Yeah. No. That's okay. That's completely understandable. Well, let's sort of jump into things so I don't take up too much of your time.\n\nIf you do happen to need to take a break or you need me to stop, just go, hey. Stop, you know, shut up for a second, and I'll I'll happily stop there for you. Okay?\n\nChannel 1: Yep. Yeah. And all good.\n\nChannel 0: Oh, good. Easy. And, Richard, before we end the call, just to let you know we do record our calls for quality and training purposes. Are you okay for us to proceed with that?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Yep. Fantastic. And just to do a really quick security check there with you as well, just because I'm discussing your personal information. Just to confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: Yeah. Richard Peachey. It's been out July 19\n\nChannel 0: Yep.\n\nChannel 1: 98 And 6 Fenwick Street, Fanval.\n\nChannel 0: Beautiful. Thank you so much for that. So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there. I know I don't know if now is a good time for you to access your emails. Did you wanna pull up the email to go through things, or did you want me just to run through things and you can have a look at it later when you've got more time there?\n\nWhat would\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: You\n\nChannel 0: prefer?\n\nChannel 1: can run through it. That's fine. I I think that's pretty much\n\nChannel 0: Yeah.\n\nChannel 1: what I've done all all the time. Yeah. Yeah.\n\nChannel 0: Yeah. You've had a few of these. You know how they\n\nChannel 1: Yes.\n\nChannel 0: kind of go.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: That's absolutely fine. I've sent the email through so it is there when you do get a chance to have a look at them later. But just to give you an update on your state for this, your balance this time last year, you were at a 120,472 and 59¢. Looking at your balance now, you're up to a 142,695 and 53. So we have seen some growth there, which is good.\n\nThe market has been a lot of ups and downs to see with everything that's been going on globally there. But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there. I have had a bit of a look at your portfolio there. One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio. You have got one of your underlying investments, the Benelon Australian Equity.\n\nThat was originally put into your portfolio as more of an actively managed fund. The idea of an active fund is that the fund manager is trying to outperform the market, but this investment hasn't been able to do so. And while you've still seen a really good return, I think your portfolio could have done a bit better. Would you like me I would love to if you gave me the opportunity to do so, go back and have a look at your investments, maybe reassess your super, and do a bit of a switch and look at what we can maybe replace things with to keep it working a bit harder moving forward. Would you be open to that, and do you have any questions?\n\nChannel 1: No. That's fine. Look. I I think so far it's been it's been good. So I haven't been overly too concerned, which is yeah.\n\nChannel 0: Yeah. Yeah. No. That's okay. And where you are at the moment, with the kind of portfolio you're in, it's more of a growth environment.\n\nSo whilst we wanna get the best returns we can, I'd love to see you getting, you know, a twelve, thirty, 20% return as often as possible, but we know with market fluctuations, it's not always possible. So with\n\nChannel 1: Yes.\n\nChannel 0: the growth\n\nChannel 1: Yeah.\n\nChannel 0: portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis. So to receive that return you've got this year, net of fees, is still really good. It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better. And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things. I can also see in here you also got the bank hybrid.\n\nThese were putting your portfolio as more of a defensive investment. They are more of a complex kind of investment as well. And moving down the track in the next couple of years, the government is moving to phase those out. So I would love to take that out, replace that investment now while we can, and also move any underperforming investors. And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you.\n\nAre you open to me doing that for you?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Yeah. Beautiful. Beautiful. I did the review of your portfolio before, and I was like, look. I think we can do some better things here, and it's good\n\nChannel 1: Yeah.\n\nChannel 0: to keep updating that as markets do change as well. Those investments that were good a couple of years ago might need to be changed down the track here. So I'm happy to go back and do that for you if you're comfortable. As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice. It's all part of the ongoing service so that you do pay for our services.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Yep. Beautiful. That is a lot, and I'm so sorry. But do you have any questions?\n\nHave any questions come up out of any of that at all?\n\nChannel 1: Not not really. Look. I I guess, you know, it's just it's it's it's understanding the market, which is, you know, unfortunately, not\n\nChannel 0: Yeah.\n\nChannel 1: not my cup of tea. Yeah. And it is what it is. But, look, I I do jump on on the app every now and again and and have a look and but I've I've never had any problems with how it's been growing. So yeah.\n\nNo.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: All\n\nChannel 0: No.\n\nChannel 1: happy.\n\nChannel 0: That's fan fantastic. Well, I'll make sure I look after you. And part of what I love about being an adviser is the educational value there. So please let me know if you do have questions. Do you wanna understand something a little bit more?\n\nLet me know. I'm more than happy to break it down and help you out. One of the things I love about being an adviser as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Easy.\n\nChannel 1: Yeah. No. Awesome.\n\nChannel 0: Fantastic. Now the other thing that sort of goes through is the insurance aspect here. So with your insurances, you've got a Clearview insurance policy there. You've got your life and TBD. The current sum insured for those is 746,930.\n\nSo when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7.46 930, plus your super balance on top of that can be paid out as well. That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625. In the event of you passing away, what is it that you what's your goal with regard to the insurance? What would you be wanting that money to cover?\n\nChannel 1: Well, I guess, just to cover off my I guess, any debt that's outstanding, essentially.\n\nChannel 0: Yep. Yep. Beautiful. So having a look at the debt, I've got down here your main primary residence. Last valuation was 515,000 last year, but it looks like you have no debt on that property.\n\nIs that correct?\n\nChannel 1: We still owe about 360,000.\n\nChannel 0: Okay. No problem. I will just pop that in there. Sorry about that. I was\n\nChannel 1: Yeah.\n\nChannel 0: getting a bit excited that\n\nChannel 1: Fuck.\n\nChannel 0: you owned your property\n\nChannel 1: I\n\nChannel 0: outright.\n\nChannel 1: wish.\n\nChannel 0: All good. And what's the value would you put on the property at the moment?\n\nChannel 1: Just sorry. I guess 780,000.\n\nChannel 0: Yep. Yep. Beautiful. Lovely. So if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit?\n\nChannel 1: No. That that's just it. Yeah.\n\nChannel 0: Nope. That's okay. So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000. That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well. Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that?\n\nChannel 1: I I think it's enough, but that's probably just because I'm better with money. Yeah.\n\nChannel 0: That's perfect.\n\nChannel 1: Okay.\n\nChannel 0: That's absolutely that's very valid. Not a problem at all. Easy. But we can leave it as is. If you ever decide you wanted to kinda come and look at that, please let me know.\n\nI'm more than happy to reevaluate it. These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well. So the policy goes through renewal, and the sum insured is indexed. Supposed to be keeping up with DPI. It does also mean the premiums get more expensive as well.\n\nSo we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Excellent. You do have the same level of of PVD as you do of life. Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment. Tax is deducted from the withdrawal at up to 22%. It could be less than that.\n\nAnd as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible. I wholeheartedly disagree that it should be taxable. I think if you're\n\nChannel 1: Yes.\n\nChannel 0: disabled and not able to go to work, you should not be paying tax on that money. That's terrifying. But you have the same level of cover. And with TBD, again, if you are totally incapacitated, we can also claim that against this Uber. So it means before the tax side of things, you could receive up to 800 oh, sorry.\n\n889,625 again. Do you feel like that between your TCD and your super is enough currently? Did you wanna look at that again, or do you have any questions?\n\nChannel 1: No. I I think it's fine. Like, I I guess you never really know what what will happen. And I guess at the moment, it seems like it's it's sufficient enough. Yeah.\n\nChannel 0: Correct. Yep. That's absolutely fine. That's not a problem at all. The other thing you've got here is your income protection.\n\nYour income protection can cover up to 70% of your free tax income if you're off work due to illness or injury. Your income I had noticed here at the moment was 84,000 last year. Are you still on the same income, or have you got any increase on that at all?\n\nChannel 1: Yeah. No. It's it's gone up since since that last yeah.\n\nChannel 0: Yeah. That's okay. What are you on now?\n\nChannel 1: I am 130,000.\n\nChannel 0: 130,000. Okay. That's a pretty big jump. That's fantastic, though.\n\nChannel 1: Oh, just luck of the draw, I guess, a little.\n\nChannel 0: No. I'm sure you're worth it.\n\nChannel 1: I\n\nChannel 0: All\n\nChannel 1: like\n\nChannel 0: good.\n\nChannel 1: to think\n\nChannel 0: Now\n\nChannel 1: I\n\nChannel 0: having\n\nChannel 1: am.\n\nChannel 0: a absolutely. You are. Definitely. The income protection benefit you have at the moment, me, shows that your some insured that you could claim pretax is 4,961 on a monthly basis.\n\nChannel 1: What was that one? Sorry.\n\nChannel 0: Based on your current sorry. It's $4,961 on a monthly basis.\n\nChannel 1: Is that my jet, was it?\n\nChannel 0: That's the income protection monthly benefit that you're\n\nChannel 1: Okay.\n\nChannel 0: insured\n\nChannel 1: Sorry.\n\nChannel 0: for. Sorry.\n\nChannel 1: Yep. No.\n\nChannel 0: No.\n\nChannel 1: You're\n\nChannel 0: No.\n\nChannel 1: alright.\n\nChannel 0: You're fine. I'm so sorry. I was having a cough. I do apologize about that. So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis.\n\nBased on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit. It is quite a difference there. If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax. So if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have. Do you feel like that's sufficient if you were on an income protection claim?\n\nDid you wanna maybe look at reviewing the amount?\n\nChannel 1: Yeah. Look. It probably wouldn't be enough anymore.\n\nChannel 0: Yep.\n\nChannel 1: Just quickly opening up my my budget. My old one is there. Damn it.\n\nChannel 0: Yeah. It's\n\nChannel 1: I'll\n\nChannel 0: a\n\nChannel 1: let\n\nChannel 0: tough\n\nChannel 1: them\n\nChannel 0: one\n\nChannel 1: know.\n\nChannel 0: because it's a tough one. It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future. It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim.\n\nChannel 1: No. That's right. And, look, I guess, originally, I I budgeted everything off by, I guess, my previous income, which wasn't the 80,000. I did get a pay rise in between there, which was a 110,000. And I guess what's my total debt?\n\nChannel 0: Yeah.\n\nChannel 1: It's a lot more than it was back then. So I I guess yeah. Look. Even, like, 7,000 a month would cover all my debt, but that's also not making any, I guess, any sacrifices in that time.\n\nChannel 0: Yep. That's okay. Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you?\n\nChannel 1: Yeah. Yeah. Yeah. No. That's fine.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. Thank you for that.\n\nWith your income protection policy, you do have a thirty day waiting period and a five year benefit period. So you would only have to be off work for thirty days prior to making a claim and then off work for about five you can be off work for five years. You can be on a claim for up to five years. At that five year mark, if you still can't go back to work, the claim stops regardless. So it's always at risk of how long you could be on an income protection claim for.\n\nYou can also increase it to age 65. Admittedly, that does make the policy a lot more expensive again. So it's more just juggling how long do you think you would need to be on a claim for if something was to occur. A five year benefit is good because most claims are finished within the first year or two. And if you can imagine, insurance companies, they don't really wanna pay the claim for a long time.\n\nSo as soon as you're off work, they're finding out how they can get you back to work as quickly as possible. So\n\nChannel 1: Yeah. Look. I I\n\nChannel 0: do you\n\nChannel 1: guess\n\nChannel 0: feel\n\nChannel 1: that's it. So you're like,\n\nChannel 0: you're\n\nChannel 1: look.\n\nChannel 0: right.\n\nChannel 1: Even with my job role, look. I I guess I'm pretty I'm 90% office space now versus where I was\n\nChannel 0: Mhmm.\n\nChannel 1: prior. It had to be\n\nChannel 0: Yep.\n\nChannel 1: quite a severe injury to take me off for a\n\nChannel 0: Yeah.\n\nChannel 1: long period of time.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I guess,\n\nChannel 0: No.\n\nChannel 1: what\n\nChannel 0: That's\n\nChannel 1: what's\n\nChannel 0: okay.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: longest\n\nChannel 0: perfect.\n\nChannel 1: longest, like, sort of payout time?\n\nChannel 0: You well, the longest you can have a claim going for is age 65.\n\nChannel 1: What\n\nChannel 0: Those\n\nChannel 1: would be\n\nChannel 0: premiums\n\nChannel 1: the sorry.\n\nChannel 0: do\n\nChannel 1: I'm at\n\nChannel 0: become\n\nChannel 1: the shortest.\n\nChannel 0: quite\n\nChannel 1: Sorry.\n\nChannel 0: expensive.\n\nChannel 1: That was my bad.\n\nChannel 0: You're right. This order is just two years. You can have a two year benefit period or a five year benefit period or to age 65.\n\nChannel 1: Yeah. Look. I'm happy to go down to two years because I know that will bring\n\nChannel 0: Yep.\n\nChannel 1: down a premium. And I guess just with my industry, all my work,\n\nChannel 0: Mhmm.\n\nChannel 1: it it's not really manual handling or anything like that. So there's no real, I guess, concern that I wouldn't go back to work pretty pretty soon, and I I already\n\nChannel 0: Okay.\n\nChannel 1: work three days from home. So\n\nChannel 0: Yeah. Yep. That's absolutely fine. So you're happy for\n\nChannel 1: yep.\n\nChannel 0: me to look at increasing the monthly benefit in line with that income of a 130,000, but decrease the benefit period for\n\nChannel 1: For two\n\nChannel 0: you to\n\nChannel 1: years?\n\nChannel 0: two years to keep it cost effective? Yeah. Yep.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Absolutely. What I'll do is I will include that into the advice piece there for you. So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching. But then we'll also show you what we're recommending with the increase of the income protection, how that looks, how that is projected over the next ten years, and how that sort of affects you. Does that sound okay?\n\nChannel 1: Yeah. Yeah. No. That's fine.\n\nChannel 0: Yep. Fantastic. Excellent. Now you probably you seem like you're pretty across insurances as a whole. You don't have any other types of personal insurances like, say, trauma.\n\nHas anyone ever gone through trauma with you? What it is, how it works, how it's paid, what it covers?\n\nChannel 1: Sorry.\n\nChannel 0: No. That's okay. So trauma is like another type of insurance. It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's. Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that.\n\nTrauma, unlike income protection, doesn't have a waiting period. It doesn't have a work test either. So trauma pays out as an example, like, if you got cancer and say you were still able to go to work, you can't claim more in income protection because you don't meet the waiting period, but you can claim on that trauma policy. Some people have trauma to kind of fill in the gap of that waiting period for income protection. The downside of trauma is that unlike your life saving income protection, you can't pay for inside super.\n\nIt has to be out of your back pocket. So a lot of people tend to not have trauma because of the expenditure side of things. Do you feel like it's something you would like to look at, or you're comfortable not considering trauma? What would you how do you feel does it fit for you?\n\nChannel 1: Yes. So now it's fine. Like, I'm I'm not too too\n\nChannel 0: Yep.\n\nChannel 1: concerned. Yeah.\n\nChannel 0: Yep. That's absolutely fine. Not a problem at all. We'll make sure that we just kinda raise that with you each year. If you ever find you do wanna come back to that, please let me know.\n\nIt's not a problem at all. Okay?\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: In the in the email I do have there for you, you have your I have 24 performance of support. It's also got a summary of your superannuation balance and insurances, and it's also got a run through of your Clearview certificate of currency that runs through the insurances as I've gone through and kind of breaks down that for you as well. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. Just to kinda go through and update a couple of details of your circumstances. So I've updated a few things here already for you. Just with your job role, I've got down here that your occupation is first aid. Is that still considered your occupation, or what's your occupation now?\n\nChannel 1: Health and safety manager.\n\nChannel 0: Yep. Manager. Lovely. Excellent. And you said that you work from home about three days a week as well?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yes. Fantastic. Do you have to do much in the way of travel for your work?\n\nChannel 1: Yes.\n\nChannel 0: You do? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. All good. And you mentioned that you're about 9% off the space. Is that right?\n\nChannel 1: Pretty much. Like, I guess that that's my my my biggest role. Regardless of where I am, it's all pretty much office sort of work. So whether I'm working from home or working in the office, it's all still office.\n\nChannel 0: Yep. Yep. That's absolutely perfect. Fantastic. Thank you for that.\n\nI've got your income updated here as well, which is fantastic. Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments?\n\nChannel 1: No. I think we do quite well with our savings. We budget\n\nChannel 0: Yep.\n\nChannel 1: for a holiday as well, so that that's that goes well, and it's not cheap going to Japan. So yeah.\n\nChannel 0: No. No. Very popular at the moment. I see people going to Japan. Is that booked\n\nChannel 1: It is.\n\nChannel 0: for later this year? Or fantastic.\n\nChannel 1: This will be our third trip.\n\nChannel 0: Oh, fantastic. That's amazing. I have not been to Japan yet. I've done a lot of other places, but not Japan, but everyone tells me it's incredible.\n\nChannel 1: Yes. Yes. It is.\n\nChannel 0: Then oh, fantastic. If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away?\n\nChannel 1: I guess, on average, probably about $141,500 a month.\n\nChannel 0: Yep. Beautiful. Excellent. And now just sort of double checking. It doesn't look like you're making any additional contributions to Super at the moment, over and above your normal employer.\n\nNormal employer. Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things? What's your sort of thoughts around that?\n\nChannel 1: Yeah. No. Pretty pretty I guess, like, all the money, extra money we\n\nChannel 0: One\n\nChannel 1: just\n\nChannel 0: second.\n\nChannel 1: saved to to go into Japan, really.\n\nChannel 0: Yeah. That's absolutely fine.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem at all. Easy. I was\n\nChannel 1: Yeah.\n\nChannel 0: asked the question, but, honestly, your answer is completely fine. And, look, you're you're young. You're whole you've got a family, so those memories are just as important, honestly.\n\nChannel 1: Yes. Yes.\n\nChannel 0: We've got plenty of time. You're honestly, you're the same age as me, so do not worry. We are still plenty young.\n\nChannel 1: Yes.\n\nChannel 0: We have a lot of time ahead of us to be able to, a, make those memories, but then they come back later on and start making salary sacrifice and additional contributions and build super. The other benefit we have is that we've had super since we basically started our working life, whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later. And super wasn't a thing until the early nineties. It wasn't compulsory. So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track.\n\nSo there's no\n\nChannel 1: Yeah.\n\nChannel 0: need to stress or worry about the sales tax. We can always come back and look at that down the track. There's no time there's no too late to start. Starting whenever it's comfortable for you is probably the most important aspect. Okay?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Excellent. All good. And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment. That is something I would love to rectify. So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset.\n\nSo in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after. Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied?\n\nChannel 1: Yeah. That's fine. I I remember getting the letter,\n\nChannel 0: Yes.\n\nChannel 1: and I I left it in front of me for a while, and then I just never never filled it.\n\nChannel 0: No. That's okay. That's okay. That's why I kind of go and look. I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out.\n\nWe just need approval from you to do so. Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney? Is that correct?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Beautiful. And just confirming, does Courtney have the same surname as you, or what is what's her surname?\n\nChannel 1: No. So Saneco, s a n e c o.\n\nChannel 0: Easy. Oh, fantastic. Just so I do that correctly. And same residential address as yourself?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Fantastic. And a hard question, what is Courtney's date of birth?\n\nChannel 1: Thirty first of the third nineteen ninety.\n\nChannel 0: Yep. 1990. Fantastic. Thank you for that. So my team will place all the documents for you to make it easier when that comes through.\n\nWe'll just need you to sign and have a witness. It just needs to be two witnesses over the 18. One of those cannot be Courtney. And\n\nChannel 1: Yes.\n\nChannel 0: then if you send it back to us, we'll have that applied. I will double check against your Clearview life policy to make sure that that is also applied and correct. If it's not, I'll make sure we get that appraisal, that beneficiary nomination for you as well. Does that sound okay?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Yep. Fantastic. And just to confirm, there are a couple of different types of nomination that you can choose from. The first type is a nonbinding nomination. Essentially, by ticking that box, it means that you're telling the super funds that you would like the benefit to be paid to Courtney in the event of something happening.\n\nHowever, at the time of passing, the trustee gets to decide whether they follow your direction or not. You can also have it as a binding nomination, which the trustee has to follow your direction, but you have to keep signing that same form every three years. Or I can do it as a binding non lapsing nomination. It binds the trustee to follow your direction, and you only fill one form out. We never fill out another one unless you wanna revoke or change your beneficiary.\n\nDo you know which way you'd like me to go?\n\nChannel 1: I I I guess what what the sixth one, sir? I guess it gets reviewed every three years. Is that\n\nChannel 0: Yeah. So this may have to refill it every three years. You can choose the last one, have it binding nonlung thing if you like, because we do reviews with you every year, so we can keep bringing it up and checking\n\nChannel 1: correct\n\nChannel 0: that\n\nChannel 1: then?\n\nChannel 0: your nomination's\n\nChannel 1: Okay.\n\nChannel 0: correct. And when and if\n\nChannel 1: Yeah.\n\nChannel 0: you ever wanna revoke it, we can help you with that.\n\nChannel 1: Yeah. Yeah. Okay. We can do it. Yeah.\n\nChannel 0: Yep. Beautiful. Happy for you to go whichever way is more comfortable\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: That's\n\nChannel 0: yourself, but\n\nChannel 1: yes.\n\nChannel 0: we do help we do help you to review it. So not everyone wants to fill out the form again every three years. And if there is any point that it has to be reviewed, because we bring it up every year and check it with you, you can always go, hey. No. That's not right.\n\nWe wanna change that now, and we'll make sure we you out with\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that.\n\nChannel 1: No. That's fine.\n\nChannel 0: Fantastic. Well, I'll get those documents ready to go there for you. I can also see here on your last back line, you've not really had a will and power of attorney set up. Is that something that you guys have talked about in the past?\n\nChannel 1: It's been mentioned, but nothing I've really been too too worried about.\n\nChannel 0: Yep. No. That's okay. It is definitely something to have a conversation about, especially having kids, and you've worked really hard. You've got your house and your savings and things like that.\n\nDoing up a a will and the power of attorney, just protect everything else that you've worked so hard for. And the other thing that's probably really important is also having, like, a guardianship set up. So if something was to happen to yourself and Courtney, what do you want to happen to the kids? How do you want the funds to be held, paid out? Who are you gonna look after the kids?\n\nThere's quite a lot to sort of think about there. So it is definitely something to have that conversation. It's not a great conversation. I completely get that. But\n\nChannel 1: Yeah.\n\nChannel 0: it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well. All good. The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets. I've got your cash in the bank. So you had some savings about 8,000 last year.\n\nDo you still have that in savings, or has that changed?\n\nChannel 1: It's probably going up a little bit. I'm not I'd, you know, just probably\n\nChannel 0: Yeah.\n\nChannel 1: just say, like, 11,000, I guess.\n\nChannel 0: Yep. Yep. That's absolutely fine. Beautiful. And then the I've got your car down as well.\n\nYou had a value on the vehicle of about 8,000 last year. Would you keep the value the same or change that?\n\nChannel 1: I mean, it's probably a little bit less now being it's age and how many cases it's done, but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: 8,000 is fine.\n\nChannel 0: $88,000 is fine. Not a problem at all. Beautiful. And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on?\n\nChannel 1: No. None.\n\nChannel 0: No. That's okay. Another asset I would like to note down is contents as well. Do you have contents insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do you know what value you would put on your contents or you have on your insurance policy?\n\nChannel 1: I think the insurance policy is at 75. That's\n\nChannel 0: Yep. Beautiful. Fantastic. Excellent. Well, thank you so much for updating those details there for me.\n\nJust sort of double checking goal wise as well. When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young. I don't project all the way out to retirement. I just look at the next five to ten years solely because there's too many things that could change in that time frame for you. But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully?\n\nAre you sort of hoping the earliest age possible, or do you think you're likely to work to 65? What do you sort of think?\n\nChannel 1: Yeah. I don't know. I'll just say, like, if you're not to retire\n\nChannel 0: Hard.\n\nChannel 1: tomorrow.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I I guess you're nice. I look I guess at the moment, it's just 65 is is is not an unreasonable target. But, you know,\n\nChannel 0: Yeah.\n\nChannel 1: ideally,\n\nChannel 0: No.\n\nChannel 1: if I could\n\nChannel 0: Definitely\n\nChannel 1: done by\n\nChannel 0: not.\n\nChannel 1: 50, would it be even even better?\n\nChannel 0: Yep. Absolutely. So the earliest you're able to access super is 60. If you wanna look at retiring earlier, we'll definitely need to look at, you know, providing advice and building wealth outside of super either by way of, you know, a shared portfolio or contributing that way or investment properties and things like that. But if you get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah.\n\nI'm done. I wanna retire. We'll definitely make it happen. Look at what you need to live on and how that works for you and provide advice for suit. And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for you.\n\nOkay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. Do you have any other goals that you're looking to achieve over the next couple of years at all? I know you've got that trip to Japan, which is fantastic. But any other goals that you're sort of looking to achieve?\n\nChannel 1: I guess we're looking at purchasing it soon shortly. And\n\nChannel 0: Yes.\n\nChannel 1: I I remember talking last time to the last person that we looked at using a a broker. But because I wasn't in my job long enough, they just said to hold off until I've been there for a while. And it's been quite a long time since I've had that discussion. So I was seeing if we're\n\nChannel 0: Yeah.\n\nChannel 1: able to re I guess, revisit it being I don't know if there's any more extra sort of push you guys are able to do.\n\nChannel 0: Yeah. Yeah. Absolutely. So the broker you may have spoken to a while ago would be different. He has retired.\n\nI've actually got\n\nChannel 1: Yeah.\n\nChannel 0: some other really great brokers that we can refer you through to if you're comfortable with me doing so. One of those is Fabian, who is honestly fantastic. He can look at what your, you know, borrowing capacity is, look at whether borrowing now is appropriate or down the track and what you're sort of after. Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity?\n\nChannel 1: Yeah. If we can, that's fine.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. So with the email I send out, it goes to yourself and to Fabian. I just need permission from you to pop in your name, your email, your sorry.\n\nContact phone number. Is that okay if I give him those personal details?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Fantastic. And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity?\n\nChannel 1: Look. Around the same time as any time after 04:00 just seems to be good, but it's it's still\n\nChannel 0: After\n\nChannel 1: just a hit\n\nChannel 0: four\n\nChannel 1: and miss,\n\nChannel 0: PM.\n\nChannel 1: unfortunately.\n\nChannel 0: Yeah. No. That's absolutely okay. That's not a problem at all. I'll organize that for you.\n\nNo issues. I'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try. And they're really great. They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property. Hopefully, you find what you're after.\n\nThat'd be fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you. I literally have filled most of it out already. The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can? Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower?\n\nWhere do you think you fit yourself?\n\nChannel 1: I think I've always said, like, around the middle. Fine to take some\n\nChannel 0: The\n\nChannel 1: risks\n\nChannel 0: middle?\n\nChannel 1: because\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Perfect. If the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling? Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip? Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure?\n\nHow do you think you might fit into that category?\n\nChannel 1: Look. I guess being my age, I'm not too stressed on it. I'm just happy, I guess I guess, for a bit of guidance from from you guys.\n\nChannel 0: Yeah. Absolutely. Fantastic. And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property? Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property?\n\nHow do you\n\nChannel 1: Yeah.\n\nChannel 0: see yourself bidding?\n\nChannel 1: I'd probably say I'm only comfortable really buying property.\n\nChannel 0: Property. Yeah. That's okay. Absolutely. Perfect.\n\nNow having a look at that one there, you have scored as a growth investor. So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed interest. As I kinda mentioned before, we're tracking to try and obtain a compounded annual return of between seven to 9% as an average, but you wanna get the best you can. So we know some years you'll get a seven or 9%. Some years it might be a one or 2%.\n\nOther years, it could be a 15 or 20%. It just depends on market reactions, but it's about investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns. It is always hard to know that they are negative to any portfolio, and that markets do see downtime. In this kind of environment, we'd expect the likelihood of a negative return about one in every five years. But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon.\n\nAnd that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead\n\nChannel 1: Yeah.\n\nChannel 0: of you at the moment. In saying that, do you feel you're comfortable in that growth environment at the moment?\n\nChannel 1: Yeah. No. I guess I mean, I guess\n\nChannel 0: Yes?\n\nChannel 1: there's there's no there's no issues being a little bit more aggressive at this point of time in my life.\n\nChannel 0: Mhmm.\n\nChannel 1: I'm not too concerned, to be honest.\n\nChannel 0: Yeah. No. That's it. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely fine. Yes. That's alright. So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three. So you're kind of not all aggressive, not all defensive.\n\nYou're kind of in that middle range at the moment. Do you feel like that's where you are comfortable where you wanna be for the moment?\n\nChannel 1: Yeah. I mean, that definitely sounds more like yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm more of me.\n\nChannel 0: Yeah. That's okay. There's definitely no wrong answer. In all honesty, I've got clients who are in their fifties who wear black and blue. They're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn.\n\nI've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself. But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk. There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through. If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more. But right now, that portfolio does generally suit where you're at age and stage wise.\n\nI definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you. Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you. How does that sound?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Yeah. All good. I know I do go through a lot there, Richard. Do you have any questions or anything that you kinda wanted me to touch base on? I'm sorry.\n\nChannel 1: No. Not not really, I guess. It's it's it's it's all\n\nChannel 0: No.\n\nChannel 1: the same, I guess, essentially, and and yeah.\n\nChannel 0: Yeah. Yep. That's absolutely fine. That's perfect. Well, I've got your ongoing service agreement in there for you.\n\nYou do pay an ongoing service fee of 1.65 percent for our services. That's\n\nChannel 1: Yeah.\n\nChannel 0: the yearly fee, and it's deducted in smaller monthly increments. They're the same as it has been for the last couple of years. All of those documents I've gone through are in there, and our financial services guide is also attached for you. In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up? What would you like to see down the track, or you're just happy with a review once a year?\n\nWhat would you like to\n\nChannel 1: Yeah. Look, I guess I'm happy with the the once once a year because at least it shows a bit of time and growth rather than if you I guess, if you catch up too regularly, it, you know, it doesn't show\n\nChannel 0: see?\n\nChannel 1: you, I\n\nChannel 0: Yeah.\n\nChannel 1: guess, the\n\nChannel 0: Yeah.\n\nChannel 1: whole\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Absolutely. Not a problem at all. If that ever changes and you want something additional or you have any additional questions, please let me know. It's not a problem.\n\nIn the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things. The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income protection. I need one of them to do a bit of a free assessment with you, just an updated questionnaire around your health just to make sure that when we go and look at increasing your income protection, we understand, you know, how it might be assessed by the insurance and what your health scenario looks like. Are you comfortable if I get someone to give you a call maybe next week and just run through a quick five minute free assessment with\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: you? Yep. Fantastic. Is there you sort of said after 05:00. Is there a day next week that might be more preferable for someone to give you a call late in the\n\nChannel 1: Yes. Just any time after after four is fine.\n\nChannel 0: afternoon. Yep. Absolutely. What if I get one of my team to give you a call maybe next Wednesday, say, 04:30, 05:00, or would that be a bit late?\n\nChannel 1: Yeah. No. It should be should be fine. Yeah. It's just it's just really see.\n\nChannel 0: Yep. Yeah. No. It'll be really quick. It's not a problem at all.\n\nMy admin team is Samantha. She's absolutely beautiful. She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you. Not a problem.\n\nChannel 1: Yep.\n\nChannel 0: Easy. If it's okay, I'd love to book you in now to go through your advice document as well. It takes me about two to three weeks to complete the research there. Is is that after 04:00? I can organize a time if you're comfortable with it.\n\nSorry. Where are we? We are in August 6 today. I can do in three weeks on Tuesday, the twenty fifth, at 5PM. If that would be okay with you?\n\nChannel 1: Yeah. It should be fine. I don't know what's happening in that fine town,\n\nChannel 0: Yep.\n\nChannel 1: unfortunately.\n\nChannel 0: That's okay. What I'll do is I'll send a text message reminder there for you. So it'll send you a reminder to let you know I'll be giving you a call. If you find that doesn't suit, you can just let\n\nChannel 1: Yes.\n\nChannel 0: us know. We can happily reschedule that. Is that okay?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Fantastic. We'll make sure we get that research all completed there for you. I will let you go, so thank you so much for your time. I really appreciate it, and I hope you have a good afternoon.\n\nChannel 1: Yeah. But thank you. You too. Talk to you next time.\n\nChannel 0: Thanks, Richard. Have a\n\nChannel 1: Alright.\n\nChannel 0: great afternoon. See you\n\nChannel 1: Cheers.\n\nChannel 0: later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Thank you, sir. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.030119867995381355},{"text":"Richard speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.027842273004353046}],"sentiment":"neutral","sentiment_score":0.028601471334695816,"channel":1,"num_words":3,"start":1.04,"end":2.26},{"sentences":[{"text":"Hi, Richard.","start":2.8,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.14822052046656609},{"text":"It's Dana from Okey Financial.","start":3.4399998,"end":5.14,"sentiment":"neutral","sentiment_score":0.20009865760803222},{"text":"How are you this afternoon?","start":5.2799997,"end":6.58,"sentiment":"neutral","sentiment_score":0.23216846585273743}],"sentiment":"neutral","sentiment_score":0.20481472151974836,"channel":0,"num_words":12,"start":2.8,"end":6.58},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.2,"sentiment":"positive","sentiment_score":0.5579404830932617},{"text":"Thank you.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.6097510159015656},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.3939856886863709}],"sentiment":"positive","sentiment_score":0.5428570508956909,"channel":1,"num_words":4,"start":6.7999997,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.590481678644816},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.6612748503684998},{"text":"Thanks for 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reschedule.","start":37.989998,"end":39.93,"sentiment":"neutral","sentiment_score":0.10613893251866102},{"text":"I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule.","start":40.07,"end":45.985,"sentiment":"neutral","sentiment_score":0.12030380681157112}],"sentiment":"neutral","sentiment_score":0.12401161455484323,"channel":0,"num_words":43,"start":35.43,"end":45.985},{"sentences":[{"text":"No.","start":47.535,"end":47.855,"sentiment":"neutral","sentiment_score":-0.05123110115528107},{"text":"Look.","start":47.855,"end":48.254997,"sentiment":"neutral","sentiment_score":-0.033702388405799866},{"text":"Any 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honest.","start":49.614998,"end":50.815,"sentiment":"neutral","sentiment_score":-0.23679960146546364},{"text":"It's it's just yeah.","start":50.815,"end":52.035,"sentiment":"neutral","sentiment_score":-0.11216848902404308}],"sentiment":"neutral","sentiment_score":-0.19525589731832346,"channel":1,"num_words":12,"start":49.614998,"end":52.035},{"sentences":[{"text":"Yeah.","start":52.685,"end":53.005,"sentiment":"neutral","sentiment_score":-0.03769271448254585},{"text":"No.","start":53.005,"end":53.245003,"sentiment":"neutral","sentiment_score":-0.08671385049819946},{"text":"That's okay.","start":53.245003,"end":53.965004,"sentiment":"neutral","sentiment_score":-0.039190297946333885},{"text":"That's completely understandable.","start":53.965004,"end":55.265,"sentiment":"neutral","sentiment_score":-0.032668674985567726},{"text":"Well, let's sort of jump into things so I don't take up too much of your 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Richard, before we end the call, just to let you know we do record our calls for quality and training purposes.","start":69.64,"end":74.645,"sentiment":"neutral","sentiment_score":0.07005673545328053},{"text":"Are you okay for us to proceed with that?","start":75.025,"end":77.604996,"sentiment":"neutral","sentiment_score":0.04587937022248904}],"sentiment":"neutral","sentiment_score":0.07597391712753211,"channel":0,"num_words":34,"start":68.12,"end":77.604996},{"sentences":[{"text":"Yeah.","start":77.835,"end":78.075,"sentiment":"neutral","sentiment_score":0.020244432613253593},{"text":"No.","start":78.075,"end":78.314995,"sentiment":"neutral","sentiment_score":0.027135208249092106},{"text":"That's 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of ups and downs to see with everything that's been going on globally there.","start":147.48,"end":152.29999,"sentiment":"neutral","sentiment_score":-0.11898773610591888},{"text":"But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there.","start":152.59999,"end":161.91501,"sentiment":"positive","sentiment_score":0.4464325959032232},{"text":"I have had a bit of a look at your portfolio there.","start":163.015,"end":166.235,"sentiment":"neutral","sentiment_score":0.1265515722334385},{"text":"One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio.","start":166.615,"end":175.1,"sentiment":"neutral","sentiment_score":0.21896913810633123},{"text":"You have got one of your underlying investments, the Benelon Australian 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with","start":239.28,"end":239.68,"sentiment":"neutral","sentiment_score":0.05996863916516304}],"sentiment":"neutral","sentiment_score":0.09676000055594322,"channel":0,"num_words":39,"start":228.045,"end":239.68},{"sentences":[{"text":"Yes.","start":239.585,"end":239.905,"sentiment":"neutral","sentiment_score":0.0767061859369278}],"sentiment":"neutral","sentiment_score":0.0767061859369278,"channel":1,"num_words":1,"start":239.585,"end":239.905},{"sentences":[{"text":"the growth","start":239.68,"end":240.15999,"sentiment":"neutral","sentiment_score":0.08552432060241699}],"sentiment":"neutral","sentiment_score":0.08552432060241699,"channel":0,"num_words":2,"start":239.68,"end":240.15999},{"sentences":[{"text":"Yeah.","start":239.905,"end":240.405,"sentiment":"neutral","sentiment_score":0.12852737307548523}],"sentiment":"neutral","sentiment_score":0.12852737307548523,"channel":1,"num_words":1,"start":239.905,"end":240.405},{"sentences":[{"text":"portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis.","start":240.15999,"end":246.545,"sentiment":"neutral","sentiment_score":0.21716888745625815},{"text":"So to receive that return you've got this year, net of fees, is still really good.","start":246.765,"end":250.92499,"sentiment":"positive","sentiment_score":0.4656166024506092},{"text":"It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better.","start":250.92499,"end":257.41,"sentiment":"neutral","sentiment_score":0.1993628123944456},{"text":"And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things.","start":257.41,"end":263.99,"sentiment":"neutral","sentiment_score":0.004945007264614105},{"text":"I can also see in here you also got the bank hybrid.","start":264.21,"end":266.95,"sentiment":"neutral","sentiment_score":0.06021359438697497}],"sentiment":"neutral","sentiment_score":0.17839866451999192,"channel":0,"num_words":93,"start":240.15999,"end":266.95},{"sentences":[{"text":"These were putting your portfolio as more of a defensive investment.","start":267.385,"end":271.165,"sentiment":"neutral","sentiment_score":0.010571062564849854},{"text":"They are more of a complex kind of investment as well.","start":271.625,"end":274.665,"sentiment":"neutral","sentiment_score":-0.008042316206476906},{"text":"And moving down the track in the next couple of years, the government is moving to phase those out.","start":274.665,"end":279.305,"sentiment":"neutral","sentiment_score":-0.019974926976781143},{"text":"So I would love to take that out, replace that investment now while we can, and also move any underperforming investors.","start":279.305,"end":286.28,"sentiment":"neutral","sentiment_score":0.13679770557653337},{"text":"And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you.","start":286.28,"end":292.28,"sentiment":"neutral","sentiment_score":0.07693668594583869}],"sentiment":"neutral","sentiment_score":0.050785172990588254,"channel":0,"num_words":86,"start":267.385,"end":292.28},{"sentences":[{"text":"Are you open to me doing that for you?","start":292.28,"end":294.46,"sentiment":"neutral","sentiment_score":0.07122118812468317}],"sentiment":"neutral","sentiment_score":0.07122118812468317,"channel":0,"num_words":9,"start":292.28,"end":294.46},{"sentences":[{"text":"Yeah.","start":294.795,"end":295.035,"sentiment":"neutral","sentiment_score":0.02269290946424007},{"text":"No.","start":295.035,"end":295.275,"sentiment":"neutral","sentiment_score":0.005704013630747795},{"text":"That's fine.","start":295.275,"end":296.015,"sentiment":"neutral","sentiment_score":0.06491559185087681}],"sentiment":"neutral","sentiment_score":0.03955702669918537,"channel":1,"num_words":4,"start":294.795,"end":296.015},{"sentences":[{"text":"Yeah.","start":296.295,"end":296.795,"sentiment":"neutral","sentiment_score":0.17260175943374634},{"text":"Beautiful.","start":297.015,"end":297.515,"sentiment":"positive","sentiment_score":0.5440050363540649},{"text":"Beautiful.","start":297.655,"end":298.055,"sentiment":"positive","sentiment_score":0.4903457164764404},{"text":"I did the review of your portfolio before, and I was like, look.","start":298.055,"end":300.535,"sentiment":"neutral","sentiment_score":0.1407958661707548},{"text":"I think we can do some better things here, and it's good","start":300.535,"end":303.015,"sentiment":"positive","sentiment_score":0.6526121099789938}],"sentiment":"positive","sentiment_score":0.38816586043685675,"channel":0,"num_words":28,"start":296.295,"end":303.015},{"sentences":[{"text":"Yeah.","start":302.875,"end":303.375,"sentiment":"positive","sentiment_score":0.3913121819496155}],"sentiment":"positive","sentiment_score":0.3913121819496155,"channel":1,"num_words":1,"start":302.875,"end":303.375},{"sentences":[{"text":"to keep updating that as markets do change as well.","start":303.015,"end":305.915,"sentiment":"neutral","sentiment_score":0.25558940023183824},{"text":"Those investments that were good a couple of years ago might need to be changed down the track here.","start":305.975,"end":310.14,"sentiment":"neutral","sentiment_score":0.14293203032330462},{"text":"So I'm happy to go back and do that for you if you're comfortable.","start":310.38,"end":313.36002,"sentiment":"positive","sentiment_score":0.6341617554426193},{"text":"As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice.","start":314.22,"end":323.58002,"sentiment":"neutral","sentiment_score":0.2981666425863902},{"text":"It's all part of the ongoing service so that you do pay for our services.","start":323.58002,"end":326.935,"sentiment":"neutral","sentiment_score":0.20574370821317037}],"sentiment":"neutral","sentiment_score":0.29751161426644435,"channel":0,"num_words":88,"start":303.015,"end":326.935},{"sentences":[{"text":"Yeah.","start":327.435,"end":327.935,"sentiment":"neutral","sentiment_score":0.10027886182069778}],"sentiment":"neutral","sentiment_score":0.10027886182069778,"channel":1,"num_words":1,"start":327.435,"end":327.935},{"sentences":[{"text":"Okay?","start":327.55502,"end":328.05502,"sentiment":"neutral","sentiment_score":0.0962948426604271},{"text":"Yep.","start":328.435,"end":328.935,"sentiment":"neutral","sentiment_score":0.17131203413009644},{"text":"Beautiful.","start":329.23502,"end":329.73502,"sentiment":"positive","sentiment_score":0.4704947769641876},{"text":"That is a lot, and I'm so sorry.","start":330.195,"end":331.55502,"sentiment":"neutral","sentiment_score":0.1364569435827434},{"text":"But do you have any questions?","start":331.55502,"end":332.83502,"sentiment":"neutral","sentiment_score":0.010919717140495777}],"sentiment":"neutral","sentiment_score":0.11148679442703724,"channel":0,"num_words":17,"start":327.55502,"end":332.83502},{"sentences":[{"text":"Have any questions come up out of any of that at all?","start":332.83502,"end":335.415,"sentiment":"neutral","sentiment_score":0.025871947407722473}],"sentiment":"neutral","sentiment_score":0.025871947407722473,"channel":0,"num_words":12,"start":332.83502,"end":335.415},{"sentences":[{"text":"Not not really.","start":335.53,"end":336.49002,"sentiment":"neutral","sentiment_score":-0.11830210934082667},{"text":"Look.","start":336.49002,"end":336.99002,"sentiment":"neutral","sentiment_score":-0.015960991382598877},{"text":"I I guess, you know, it's just it's it's it's understanding the market, which is, you know, unfortunately, not","start":337.45,"end":341.77002,"sentiment":"neutral","sentiment_score":-0.027573941373511365}],"sentiment":"neutral","sentiment_score":-0.03890313936964325,"channel":1,"num_words":23,"start":335.53,"end":341.77002},{"sentences":[{"text":"Yeah.","start":341.56,"end":342.06,"sentiment":"neutral","sentiment_score":-0.09641702473163603}],"sentiment":"neutral","sentiment_score":-0.09641702473163603,"channel":0,"num_words":1,"start":341.56,"end":342.06},{"sentences":[{"text":"not my cup of tea.","start":341.77002,"end":344.11002,"sentiment":"neutral","sentiment_score":-0.25263399481773374},{"text":"Yeah.","start":344.835,"end":345.07498,"sentiment":"neutral","sentiment_score":0.01110895723104477},{"text":"And it is what it is.","start":345.07498,"end":345.875,"sentiment":"neutral","sentiment_score":0.049358662217855453},{"text":"But, look, I I do jump on on the app every now and again and and have a look and but I've I've never had any problems with how it's been growing.","start":345.875,"end":353.955,"sentiment":"neutral","sentiment_score":0.09688355796970427},{"text":"So yeah.","start":353.955,"end":354.675,"sentiment":"neutral","sentiment_score":0.046594103798270226}],"sentiment":"neutral","sentiment_score":0.04864245693644752,"channel":1,"num_words":46,"start":341.77002,"end":354.675},{"sentences":[{"text":"No.","start":354.675,"end":355.175,"sentiment":"neutral","sentiment_score":0.019472826272249225}],"sentiment":"neutral","sentiment_score":0.019472826272249225,"channel":1,"num_words":1,"start":354.675,"end":355.175},{"sentences":[{"text":"Yep.","start":355.445,"end":355.60498,"sentiment":"neutral","sentiment_score":0.07565651834011078},{"text":"Beautiful.","start":355.60498,"end":356.10498,"sentiment":"neutral","sentiment_score":0.18997381627559665}],"sentiment":"neutral","sentiment_score":0.1328151673078537,"channel":0,"num_words":2,"start":355.445,"end":356.10498},{"sentences":[{"text":"All","start":356.035,"end":356.35498,"sentiment":"neutral","sentiment_score":0.05799117684364319}],"sentiment":"neutral","sentiment_score":0.05799117684364319,"channel":1,"num_words":1,"start":356.035,"end":356.35498},{"sentences":[{"text":"No.","start":356.32498,"end":356.485,"sentiment":"neutral","sentiment_score":0.08264037221670151}],"sentiment":"neutral","sentiment_score":0.08264037221670151,"channel":0,"num_words":1,"start":356.32498,"end":356.485},{"sentences":[{"text":"happy.","start":356.35498,"end":356.85498,"sentiment":"neutral","sentiment_score":0.19234542548656464}],"sentiment":"neutral","sentiment_score":0.19234542548656464,"channel":1,"num_words":1,"start":356.35498,"end":356.85498},{"sentences":[{"text":"That's fan fantastic.","start":356.485,"end":358.10498,"sentiment":"positive","sentiment_score":0.445403516292572},{"text":"Well, I'll make sure I look after you.","start":358.245,"end":359.925,"sentiment":"neutral","sentiment_score":0.20963075943291187},{"text":"And part of what I love about being an adviser is the educational value there.","start":359.925,"end":364.16498,"sentiment":"positive","sentiment_score":0.33504645228385926},{"text":"So please let me know if you do have questions.","start":364.16498,"end":366.3,"sentiment":"neutral","sentiment_score":0.15104051530361176},{"text":"Do you wanna understand something a little bit more?","start":366.3,"end":368.3,"sentiment":"neutral","sentiment_score":0.06812363324893846}],"sentiment":"neutral","sentiment_score":0.2258326946861214,"channel":0,"num_words":45,"start":356.485,"end":368.3},{"sentences":[{"text":"Let me know.","start":368.3,"end":368.86,"sentiment":"neutral","sentiment_score":0.1658983180920283},{"text":"I'm more than happy to break it down and help you out.","start":368.86,"end":371.41998,"sentiment":"positive","sentiment_score":0.4595169921716054},{"text":"One of the things I love about being an adviser as 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the other thing that sort of goes through is the insurance aspect here.","start":377.835,"end":381.035,"sentiment":"neutral","sentiment_score":0.10282918704407555},{"text":"So with your insurances, you've got a Clearview insurance policy there.","start":381.035,"end":384.715,"sentiment":"neutral","sentiment_score":0.10530968687751076},{"text":"You've got your life and TBD.","start":384.715,"end":386.335,"sentiment":"neutral","sentiment_score":0.10073729604482651},{"text":"The current sum insured for those is 746,930.","start":386.475,"end":391.915,"sentiment":"neutral","sentiment_score":0.06997629627585411}],"sentiment":"neutral","sentiment_score":0.10526761338114739,"channel":0,"num_words":40,"start":376.54,"end":391.915},{"sentences":[{"text":"So when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7.46 930, plus your super balance on top of that can be paid out as well.","start":391.915,"end":409.07498,"sentiment":"neutral","sentiment_score":0.08044922358489462},{"text":"That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625.","start":409.29498,"end":420.19498,"sentiment":"neutral","sentiment_score":0.12914462316603886},{"text":"In the event of you passing away, what is it that you what's your goal with regard to the insurance?","start":420.58002,"end":426.42,"sentiment":"neutral","sentiment_score":0.0013872164476197214},{"text":"What would you be wanting that money to cover?","start":426.42,"end":428.68002,"sentiment":"neutral","sentiment_score":0.00019221132000287375}],"sentiment":"neutral","sentiment_score":0.06836479092522015,"channel":0,"num_words":107,"start":391.915,"end":428.68002},{"sentences":[{"text":"Well, I guess, just to cover off my I guess, any debt that's outstanding, 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property.","start":440.425,"end":446.025,"sentiment":"neutral","sentiment_score":0.03918507487020072}],"sentiment":"neutral","sentiment_score":0.06307221198720592,"channel":0,"num_words":35,"start":434.34003,"end":446.025},{"sentences":[{"text":"Is that correct?","start":446.025,"end":446.76,"sentiment":"neutral","sentiment_score":0.03276401882370313}],"sentiment":"neutral","sentiment_score":0.03276401882370313,"channel":0,"num_words":3,"start":446.025,"end":446.76},{"sentences":[{"text":"We still owe about 360,000.","start":447.99,"end":450.88998,"sentiment":"neutral","sentiment_score":-0.04118522182106972}],"sentiment":"neutral","sentiment_score":-0.04118522182106972,"channel":1,"num_words":5,"start":447.99,"end":450.88998},{"sentences":[{"text":"Okay.","start":451.56,"end":451.96002,"sentiment":"neutral","sentiment_score":-0.005151671357452869},{"text":"No problem.","start":451.96002,"end":452.6,"sentiment":"neutral","sentiment_score":0.02088095247745514},{"text":"I will just pop that in there.","start":452.6,"end":453.64,"sentiment":"neutral","sentiment_score":-0.030216086389763013},{"text":"Sorry about that.","start":453.64,"end":454.44,"sentiment":"neutral","sentiment_score":-0.1684098094701767},{"text":"I was","start":454.44,"end":454.84,"sentiment":"neutral","sentiment_score":-0.09602288529276848}],"sentiment":"neutral","sentiment_score":-0.05814517134179672,"channel":0,"num_words":15,"start":451.56,"end":454.84},{"sentences":[{"text":"Yeah.","start":454.66498,"end":455.16498,"sentiment":"neutral","sentiment_score":-0.12448589503765106}],"sentiment":"neutral","sentiment_score":-0.12448589503765106,"channel":1,"num_words":1,"start":454.66498,"end":455.16498},{"sentences":[{"text":"getting a bit excited that","start":454.84,"end":455.96002,"sentiment":"neutral","sentiment_score":-0.2931086510419846}],"sentiment":"neutral","sentiment_score":-0.2931086510419846,"channel":0,"num_words":5,"start":454.84,"end":455.96002},{"sentences":[{"text":"Fuck.","start":455.865,"end":456.365,"sentiment":"negative","sentiment_score":-0.4417860507965088}],"sentiment":"negative","sentiment_score":-0.4417860507965088,"channel":1,"num_words":1,"start":455.865,"end":456.365},{"sentences":[{"text":"you owned your 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good.","start":460.825,"end":461.225,"sentiment":"neutral","sentiment_score":0.06957378797233105},{"text":"And what's the value would you put on the property at the moment?","start":461.225,"end":464.20502,"sentiment":"neutral","sentiment_score":-0.015074833632052805}],"sentiment":"neutral","sentiment_score":-0.003788350751468291,"channel":0,"num_words":15,"start":460.825,"end":464.20502},{"sentences":[{"text":"Just sorry.","start":464.905,"end":465.465,"sentiment":"neutral","sentiment_score":-0.042575057595968246},{"text":"I guess 780,000.","start":465.465,"end":467.405,"sentiment":"neutral","sentiment_score":-0.032648431758085884}],"sentiment":"neutral","sentiment_score":-0.03661908209323883,"channel":1,"num_words":5,"start":464.905,"end":467.405},{"sentences":[{"text":"Yep.","start":467.625,"end":468.105,"sentiment":"neutral","sentiment_score":0.011141612194478512},{"text":"Yep.","start":468.105,"end":468.505,"sentiment":"neutral","sentiment_score":0.04385766014456749},{"text":"Beautiful.","start":468.505,"end":469.005,"sentiment":"neutral","sentiment_score":0.3130149245262146},{"text":"Lovely.","start":469.14502,"end":469.64502,"sentiment":"neutral","sentiment_score":0.29207468032836914},{"text":"So if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit?","start":469.785,"end":477.44998,"sentiment":"neutral","sentiment_score":0.011376287762282623}],"sentiment":"neutral","sentiment_score":0.026740880915895104,"channel":0,"num_words":40,"start":467.625,"end":477.44998},{"sentences":[{"text":"No.","start":477.94,"end":478.18,"sentiment":"neutral","sentiment_score":-0.11212505400180817},{"text":"That that's just it.","start":478.18,"end":479.3,"sentiment":"neutral","sentiment_score":-0.10851898603141308},{"text":"Yeah.","start":479.3,"end":479.8,"sentiment":"neutral","sentiment_score":-0.01707950420677662}],"sentiment":"neutral","sentiment_score":-0.09388008372237285,"channel":1,"num_words":6,"start":477.94,"end":479.8},{"sentences":[{"text":"Nope.","start":480.07,"end":480.31,"sentiment":"neutral","sentiment_score":-0.03845806419849396},{"text":"That's okay.","start":480.31,"end":481.03,"sentiment":"neutral","sentiment_score":0.020008785650134087},{"text":"So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000.","start":481.03,"end":489.69,"sentiment":"neutral","sentiment_score":-0.010927122005301973},{"text":"That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well.","start":490.045,"end":502.36502,"sentiment":"neutral","sentiment_score":0.008830493704105416},{"text":"Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that?","start":502.36502,"end":509.64,"sentiment":"neutral","sentiment_score":-0.029687971173023634}],"sentiment":"neutral","sentiment_score":-0.004989957989891991,"channel":0,"num_words":96,"start":480.07,"end":509.64},{"sentences":[{"text":"I I think it's enough, but that's probably just because I'm better with money.","start":510.095,"end":514.115,"sentiment":"neutral","sentiment_score":-0.20007854061467306},{"text":"Yeah.","start":514.495,"end":514.995,"sentiment":"neutral","sentiment_score":0.15597505867481232}],"sentiment":"neutral","sentiment_score":-0.17634163399537403,"channel":1,"num_words":15,"start":510.095,"end":514.995},{"sentences":[{"text":"That's perfect.","start":515.06,"end":515.7,"sentiment":"positive","sentiment_score":0.3418609946966171}],"sentiment":"positive","sentiment_score":0.3418609946966171,"channel":0,"num_words":2,"start":515.06,"end":515.7},{"sentences":[{"text":"Okay.","start":515.455,"end":515.955,"sentiment":"neutral","sentiment_score":0.30720508098602295}],"sentiment":"neutral","sentiment_score":0.30720508098602295,"channel":1,"num_words":1,"start":515.455,"end":515.955},{"sentences":[{"text":"That's absolutely that's very valid.","start":515.7,"end":518.04,"sentiment":"positive","sentiment_score":0.41368541717529295},{"text":"Not a problem at all.","start":518.34,"end":519.675,"sentiment":"neutral","sentiment_score":0.2442493498325348},{"text":"Easy.","start":520.075,"end":520.575,"sentiment":"neutral","sentiment_score":0.2492510676383972},{"text":"But we can leave it as is.","start":520.875,"end":522.075,"sentiment":"neutral","sentiment_score":0.17539987393787929},{"text":"If you ever decide you wanted to kinda come and look at that, please let me know.","start":522.075,"end":525.435,"sentiment":"neutral","sentiment_score":0.11248326958978877}],"sentiment":"neutral","sentiment_score":0.19082684580768858,"channel":0,"num_words":35,"start":515.7,"end":525.435},{"sentences":[{"text":"I'm more than happy to reevaluate it.","start":525.435,"end":527.535,"sentiment":"positive","sentiment_score":0.591448792389461},{"text":"These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well.","start":527.595,"end":534.075,"sentiment":"positive","sentiment_score":0.39547685409585637},{"text":"So the policy goes through renewal, and the sum insured is indexed.","start":534.075,"end":538.12,"sentiment":"neutral","sentiment_score":0.27265261113643646},{"text":"Supposed to be keeping up with DPI.","start":538.5,"end":540.2,"sentiment":"neutral","sentiment_score":0.27868650215012686},{"text":"It does also mean the premiums get more expensive as well.","start":540.5,"end":543.22003,"sentiment":"neutral","sentiment_score":0.2198777666146105}],"sentiment":"positive","sentiment_score":0.34873571027009215,"channel":0,"num_words":61,"start":525.435,"end":543.22003},{"sentences":[{"text":"So we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well.","start":543.22003,"end":550.29504,"sentiment":"neutral","sentiment_score":0.2128756216261536},{"text":"Okay?","start":550.29504,"end":550.79504,"sentiment":"neutral","sentiment_score":0.08423104882240295}],"sentiment":"neutral","sentiment_score":0.20897730123816113,"channel":0,"num_words":33,"start":543.22003,"end":550.79504},{"sentences":[{"text":"Yes.","start":550.625,"end":550.98,"sentiment":"neutral","sentiment_score":0.1287616789340973},{"text":"Yep.","start":551.3,"end":551.8,"sentiment":"neutral","sentiment_score":0.23345665633678436}],"sentiment":"neutral","sentiment_score":0.18110916763544083,"channel":1,"num_words":2,"start":550.625,"end":551.8},{"sentences":[{"text":"Excellent.","start":551.815,"end":552.315,"sentiment":"positive","sentiment_score":0.5204281806945801},{"text":"You do have the same level of of PVD as you do of life.","start":552.615,"end":556.555,"sentiment":"neutral","sentiment_score":0.16842520077313697},{"text":"Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment.","start":557.09503,"end":568.49,"sentiment":"neutral","sentiment_score":-0.01966225542128086},{"text":"Tax is deducted from the withdrawal at up to 22%.","start":568.87,"end":572.63,"sentiment":"neutral","sentiment_score":-0.13963572308421135},{"text":"It could be less than that.","start":572.63,"end":574.17004,"sentiment":"neutral","sentiment_score":-0.10685399547219276}],"sentiment":"neutral","sentiment_score":0.0013584649541239808,"channel":0,"num_words":69,"start":551.815,"end":574.17004},{"sentences":[{"text":"And as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible.","start":574.47003,"end":580.685,"sentiment":"neutral","sentiment_score":0.023936696092277998},{"text":"I wholeheartedly disagree that it should be taxable.","start":581.22504,"end":583.965,"sentiment":"neutral","sentiment_score":-0.28474927321076393},{"text":"I think if you're","start":584.185,"end":585.145,"sentiment":"neutral","sentiment_score":-0.05096683977171779}],"sentiment":"neutral","sentiment_score":-0.052982801071064185,"channel":0,"num_words":36,"start":574.47003,"end":585.145},{"sentences":[{"text":"Yes.","start":585.12,"end":585.62,"sentiment":"neutral","sentiment_score":-0.026449300348758698}],"sentiment":"neutral","sentiment_score":-0.026449300348758698,"channel":1,"num_words":1,"start":585.12,"end":585.62},{"sentences":[{"text":"disabled and not able to go to work, you should not be paying tax on that money.","start":585.145,"end":589.145,"sentiment":"neutral","sentiment_score":-0.22235951309694962},{"text":"That's terrifying.","start":589.145,"end":589.965,"sentiment":"negative","sentiment_score":-0.4328152537345886},{"text":"But you have the same level of 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questions?","start":613.985,"end":616.805,"sentiment":"neutral","sentiment_score":0.03286797302560164}],"sentiment":"neutral","sentiment_score":0.032592006380958806,"channel":0,"num_words":29,"start":606.305,"end":616.805},{"sentences":[{"text":"No.","start":617.66,"end":617.89996,"sentiment":"neutral","sentiment_score":-0.12420900166034698},{"text":"I I think it's fine.","start":617.89996,"end":618.86,"sentiment":"neutral","sentiment_score":-0.09042865484952926},{"text":"Like, I I guess you never really know what what will happen.","start":618.86,"end":621.42,"sentiment":"neutral","sentiment_score":-0.15671782195568085},{"text":"And I guess at the moment, it seems like it's it's sufficient enough.","start":621.42,"end":624.305,"sentiment":"neutral","sentiment_score":-0.016368538642731998},{"text":"Yeah.","start":624.305,"end":624.805,"sentiment":"neutral","sentiment_score":0.0984399989247322}],"sentiment":"neutral","sentiment_score":-0.0803536607127171,"channel":1,"num_words":32,"start":617.66,"end":624.805},{"sentences":[{"text":"Correct.","start":625.0,"end":625.5,"sentiment":"neutral","sentiment_score":0.14944761991500854},{"text":"Yep.","start":625.56,"end":625.96,"sentiment":"neutral","sentiment_score":0.1831030249595642},{"text":"That's absolutely fine.","start":625.96,"end":627.56,"sentiment":"positive","sentiment_score":0.37052467465400696},{"text":"That's not a problem at all.","start":627.56,"end":629.18,"sentiment":"positive","sentiment_score":0.4071122904618581},{"text":"The other thing you've got here is your income protection.","start":629.48004,"end":631.66003,"sentiment":"neutral","sentiment_score":0.17319888323545457}],"sentiment":"neutral","sentiment_score":0.2675612973315375,"channel":0,"num_words":21,"start":625.0,"end":631.66003},{"sentences":[{"text":"Your income protection can cover up to 70% of your free tax income if you're off work due to illness or injury.","start":631.8,"end":638.905,"sentiment":"neutral","sentiment_score":0.11599172958680852},{"text":"Your income I had noticed here at the moment was 84,000 last year.","start":639.84503,"end":644.565,"sentiment":"neutral","sentiment_score":-0.005984695502915061},{"text":"Are you still on the same income, or have you got any increase on that at all?","start":644.565,"end":648.585,"sentiment":"neutral","sentiment_score":-0.01997785018209149}],"sentiment":"neutral","sentiment_score":0.041046029928391084,"channel":0,"num_words":52,"start":631.8,"end":648.585},{"sentences":[{"text":"Yeah.","start":649.085,"end":649.245,"sentiment":"neutral","sentiment_score":-0.015521475113928318},{"text":"No.","start":649.245,"end":649.48505,"sentiment":"neutral","sentiment_score":-0.09503887593746184},{"text":"It's it's gone up since since that last yeah.","start":649.48505,"end":652.705,"sentiment":"neutral","sentiment_score":-0.08233964153461987}],"sentiment":"neutral","sentiment_score":-0.07741973862390626,"channel":1,"num_words":11,"start":649.085,"end":652.705},{"sentences":[{"text":"Yeah.","start":653.94,"end":654.10004,"sentiment":"neutral","sentiment_score":0.02818138897418976},{"text":"That's okay.","start":654.10004,"end":654.9,"sentiment":"neutral","sentiment_score":0.06302551366388798},{"text":"What are you on now?","start":654.9,"end":656.36,"sentiment":"neutral","sentiment_score":0.020379849523305894}],"sentiment":"neutral","sentiment_score":0.0320164579898119,"channel":0,"num_words":8,"start":653.94,"end":656.36},{"sentences":[{"text":"I am 130,000.","start":656.84503,"end":658.945,"sentiment":"neutral","sentiment_score":0.01609128899872303}],"sentiment":"neutral","sentiment_score":0.01609128899872303,"channel":1,"num_words":3,"start":656.84503,"end":658.945},{"sentences":[{"text":"130,000.","start":659.54004,"end":661.22003,"sentiment":"neutral","sentiment_score":0.025598710402846336},{"text":"Okay.","start":661.22003,"end":661.54004,"sentiment":"neutral","sentiment_score":0.1425948441028595},{"text":"That's a pretty big jump.","start":661.54004,"end":662.9,"sentiment":"positive","sentiment_score":0.4526470541954041},{"text":"That's fantastic, 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one?","start":689.26495,"end":689.90497,"sentiment":"neutral","sentiment_score":0.006033752346411347},{"text":"Sorry.","start":689.90497,"end":690.3,"sentiment":"neutral","sentiment_score":-0.0386616587638855}],"sentiment":"neutral","sentiment_score":-0.002905329875648022,"channel":1,"num_words":5,"start":689.26495,"end":690.3},{"sentences":[{"text":"Based on your current sorry.","start":690.02,"end":691.7,"sentiment":"neutral","sentiment_score":-0.030528483912348747},{"text":"It's $4,961 on a monthly basis.","start":691.7,"end":695.16003,"sentiment":"neutral","sentiment_score":-0.015943097105870645}],"sentiment":"neutral","sentiment_score":-0.02257281838154251,"channel":0,"num_words":11,"start":690.02,"end":695.16003},{"sentences":[{"text":"Is that my jet, was it?","start":695.74,"end":697.83997,"sentiment":"neutral","sentiment_score":-0.011699658197661241}],"sentiment":"neutral","sentiment_score":-0.011699658197661241,"channel":1,"num_words":6,"start":695.74,"end":697.83997},{"sentences":[{"text":"That's the income protection monthly benefit that 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fine.","start":704.175,"end":704.735,"sentiment":"neutral","sentiment_score":-0.01963308732956648},{"text":"I'm so sorry.","start":704.735,"end":705.295,"sentiment":"neutral","sentiment_score":-0.12037611256043117},{"text":"I was having a cough.","start":705.295,"end":706.25494,"sentiment":"neutral","sentiment_score":-0.21994442641735076},{"text":"I do apologize about that.","start":706.25494,"end":707.875,"sentiment":"neutral","sentiment_score":-0.1759549856185913},{"text":"So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis.","start":709.57,"end":723.43,"sentiment":"neutral","sentiment_score":-0.025827418034896254}],"sentiment":"neutral","sentiment_score":-0.06205433261665431,"channel":0,"num_words":55,"start":704.175,"end":723.43},{"sentences":[{"text":"Based on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit.","start":723.975,"end":736.45496,"sentiment":"neutral","sentiment_score":0.009116681292653084},{"text":"It is quite a difference there.","start":736.45496,"end":738.15497,"sentiment":"neutral","sentiment_score":0.024349126343925793},{"text":"If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax.","start":738.65,"end":745.15,"sentiment":"neutral","sentiment_score":0.003723138588525},{"text":"So if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have.","start":745.29004,"end":755.695,"sentiment":"neutral","sentiment_score":0.024488294248779616},{"text":"Do you feel like that's sufficient if you were on an income protection 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two","start":970.34503,"end":970.745,"sentiment":"neutral","sentiment_score":0.03411396965384483}],"sentiment":"neutral","sentiment_score":0.03411396965384483,"channel":1,"num_words":2,"start":970.34503,"end":970.745},{"sentences":[{"text":"you to","start":970.55,"end":970.95,"sentiment":"neutral","sentiment_score":0.03646301291882992}],"sentiment":"neutral","sentiment_score":0.03646301291882992,"channel":0,"num_words":2,"start":970.55,"end":970.95},{"sentences":[{"text":"years?","start":970.745,"end":971.16,"sentiment":"neutral","sentiment_score":0.05242586508393288}],"sentiment":"neutral","sentiment_score":0.05242586508393288,"channel":1,"num_words":1,"start":970.745,"end":971.16},{"sentences":[{"text":"two years to keep it cost 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but you can claim on that trauma policy.","start":1050.755,"end":1064.18,"sentiment":"neutral","sentiment_score":-0.0894944632256573},{"text":"Some people have trauma to kind of fill in the gap of that waiting period for income protection.","start":1064.8,"end":1069.9401,"sentiment":"neutral","sentiment_score":-0.13333970887793434},{"text":"The downside of trauma is that unlike your life saving income protection, you can't pay for inside super.","start":1070.6749,"end":1076.4349,"sentiment":"neutral","sentiment_score":-0.2580486875441339}],"sentiment":"neutral","sentiment_score":-0.14029229409061372,"channel":0,"num_words":96,"start":1044.755,"end":1076.4349},{"sentences":[{"text":"It has to be out of your back pocket.","start":1076.4349,"end":1078.275,"sentiment":"neutral","sentiment_score":-0.315501911772622},{"text":"So a lot of people tend to not have trauma because of the expenditure side of 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is fantastic.","start":1193.59,"end":1196.33,"sentiment":"positive","sentiment_score":0.3982819345864383},{"text":"Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments?","start":1196.39,"end":1205.4451,"sentiment":"neutral","sentiment_score":0.06644480698741972}],"sentiment":"neutral","sentiment_score":0.15133337451275006,"channel":0,"num_words":43,"start":1193.59,"end":1205.4451},{"sentences":[{"text":"No.","start":1206.765,"end":1207.085,"sentiment":"neutral","sentiment_score":-0.053557321429252625},{"text":"I think we do quite well with our savings.","start":1207.085,"end":1209.265,"sentiment":"neutral","sentiment_score":-0.024390393868088722},{"text":"We budget","start":1210.525,"end":1211.005,"sentiment":"neutral","sentiment_score":0.01595540251582861}],"sentiment":"neutral","sentiment_score":-0.020096671767532825,"channel":1,"num_words":12,"start":1206.765,"end":1211.005},{"sentences":[{"text":"Yep.","start":1210.865,"end":1211.365,"sentiment":"neutral","sentiment_score":0.00246405228972435}],"sentiment":"neutral","sentiment_score":0.00246405228972435,"channel":0,"num_words":1,"start":1210.865,"end":1211.365},{"sentences":[{"text":"for a holiday as well, so that that's that goes well, and it's not cheap going to Japan.","start":1211.005,"end":1216.03,"sentiment":"neutral","sentiment_score":0.008352078290449249},{"text":"So yeah.","start":1216.0901,"end":1216.91,"sentiment":"neutral","sentiment_score":-0.03130146209150553}],"sentiment":"neutral","sentiment_score":0.004386724252253771,"channel":1,"num_words":20,"start":1211.005,"end":1216.91},{"sentences":[{"text":"No.","start":1217.88,"end":1218.38,"sentiment":"neutral","sentiment_score":-0.13281910121440887},{"text":"No.","start":1218.4401,"end":1218.92,"sentiment":"neutral","sentiment_score":-0.1687067300081253},{"text":"Very popular at the moment.","start":1218.92,"end":1220.12,"sentiment":"neutral","sentiment_score":-0.22586075067520142},{"text":"I see people going to Japan.","start":1220.12,"end":1221.66,"sentiment":"neutral","sentiment_score":0.010711272557576498},{"text":"Is that booked","start":1221.72,"end":1222.52,"sentiment":"neutral","sentiment_score":0.005616792012006044}],"sentiment":"neutral","sentiment_score":-0.08435697332606651,"channel":0,"num_words":16,"start":1217.88,"end":1222.52},{"sentences":[{"text":"It is.","start":1222.25,"end":1222.91,"sentiment":"neutral","sentiment_score":0.010739125311374664}],"sentiment":"neutral","sentiment_score":0.010739125311374664,"channel":1,"num_words":2,"start":1222.25,"end":1222.91},{"sentences":[{"text":"for later this year?","start":1222.52,"end":1223.4,"sentiment":"neutral","sentiment_score":0.012002038885839283},{"text":"Or fantastic.","start":1223.4,"end":1224.86,"sentiment":"positive","sentiment_score":0.37910644710063934}],"sentiment":"neutral","sentiment_score":0.1343701749574393,"channel":0,"num_words":6,"start":1222.52,"end":1224.86},{"sentences":[{"text":"This will be our third trip.","start":1224.49,"end":1226.11,"sentiment":"positive","sentiment_score":0.37271327277024585}],"sentiment":"positive","sentiment_score":0.37271327277024585,"channel":1,"num_words":6,"start":1224.49,"end":1226.11},{"sentences":[{"text":"Oh, fantastic.","start":1227.56,"end":1228.62,"sentiment":"positive","sentiment_score":0.6408539414405823},{"text":"That's amazing.","start":1229.0,"end":1229.8201,"sentiment":"positive","sentiment_score":0.7404513657093048},{"text":"I have not been to Japan yet.","start":1229.88,"end":1231.3201,"sentiment":"neutral","sentiment_score":0.28608558433396475},{"text":"I've done a lot of other places, but not Japan, but everyone tells me it's incredible.","start":1231.3201,"end":1235.0149,"sentiment":"positive","sentiment_score":0.3411880210042}],"sentiment":"positive","sentiment_score":0.3786747422483232,"channel":0,"num_words":27,"start":1227.56,"end":1235.0149},{"sentences":[{"text":"Yes.","start":1235.615,"end":1236.115,"sentiment":"neutral","sentiment_score":0.2584313154220581},{"text":"Yes.","start":1236.3351,"end":1236.5751,"sentiment":"neutral","sentiment_score":0.2894285321235657},{"text":"It is.","start":1236.5751,"end":1237.3151,"sentiment":"positive","sentiment_score":0.33492425084114075}],"sentiment":"neutral","sentiment_score":0.3044270873069763,"channel":1,"num_words":4,"start":1235.615,"end":1237.3151},{"sentences":[{"text":"Then oh, fantastic.","start":1238.4349,"end":1239.6549,"sentiment":"positive","sentiment_score":0.37200642625490826},{"text":"If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away?","start":1240.595,"end":1247.0149,"sentiment":"neutral","sentiment_score":0.09756182506680489}],"sentiment":"neutral","sentiment_score":0.1259526458793673,"channel":0,"num_words":29,"start":1238.4349,"end":1247.0149},{"sentences":[{"text":"I guess, on average, probably about $141,500 a 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employer.","start":1261.15,"end":1263.345,"sentiment":"neutral","sentiment_score":0.014465483813546598}],"sentiment":"neutral","sentiment_score":0.07712002097008129,"channel":0,"num_words":30,"start":1253.7101,"end":1263.345},{"sentences":[{"text":"Normal employer.","start":1265.825,"end":1266.8049,"sentiment":"neutral","sentiment_score":-0.008200753945857286},{"text":"Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things?","start":1267.4249,"end":1278.94,"sentiment":"neutral","sentiment_score":-0.018152336683124305},{"text":"What's your sort of thoughts around that?","start":1278.94,"end":1280.72,"sentiment":"neutral","sentiment_score":-0.023861397057771683}],"sentiment":"neutral","sentiment_score":-0.018561729686144664,"channel":0,"num_words":49,"start":1265.825,"end":1280.72},{"sentences":[{"text":"Yeah.","start":1280.795,"end":1281.115,"sentiment":"neutral","sentiment_score":-0.0028977524489164352},{"text":"No.","start":1281.115,"end":1281.355,"sentiment":"neutral","sentiment_score":-0.030088409781455994},{"text":"Pretty pretty I guess, like, all the money, extra money 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Japan, really.","start":1285.115,"end":1287.4551,"sentiment":"neutral","sentiment_score":0.0030800641647406985}],"sentiment":"neutral","sentiment_score":0.0030800641647406985,"channel":1,"num_words":7,"start":1285.115,"end":1287.4551},{"sentences":[{"text":"Yeah.","start":1288.22,"end":1288.5399,"sentiment":"neutral","sentiment_score":0.09443052113056184},{"text":"That's absolutely fine.","start":1288.5399,"end":1290.1599,"sentiment":"neutral","sentiment_score":0.17403850456078848}],"sentiment":"neutral","sentiment_score":0.1541365087032318,"channel":0,"num_words":4,"start":1288.22,"end":1290.1599},{"sentences":[{"text":"Yeah.","start":1289.675,"end":1290.175,"sentiment":"neutral","sentiment_score":0.10389631986618042}],"sentiment":"neutral","sentiment_score":0.10389631986618042,"channel":1,"num_words":1,"start":1289.675,"end":1290.175},{"sentences":[{"text":"Not a problem at 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young.","start":1295.935,"end":1297.375,"sentiment":"neutral","sentiment_score":0.026239508762955666},{"text":"You're whole you've got a family, so those memories are just as important, honestly.","start":1297.375,"end":1301.395,"sentiment":"neutral","sentiment_score":0.08775460294314794}],"sentiment":"neutral","sentiment_score":0.06240487580412421,"channel":0,"num_words":29,"start":1292.8151,"end":1301.395},{"sentences":[{"text":"Yes.","start":1301.32,"end":1301.82,"sentiment":"neutral","sentiment_score":0.06408846378326416},{"text":"Yes.","start":1301.88,"end":1302.38,"sentiment":"neutral","sentiment_score":0.07171392440795898}],"sentiment":"neutral","sentiment_score":0.06790119409561157,"channel":1,"num_words":2,"start":1301.32,"end":1302.38},{"sentences":[{"text":"We've got plenty of time.","start":1302.0951,"end":1303.2151,"sentiment":"neutral","sentiment_score":0.05849967673420906},{"text":"You're honestly, you're the same age as me, so do not 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whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later.","start":1318.2101,"end":1331.285,"sentiment":"neutral","sentiment_score":0.03749641726111493},{"text":"And super wasn't a thing until the early nineties.","start":1331.285,"end":1333.765,"sentiment":"neutral","sentiment_score":0.011580595022274388},{"text":"It wasn't compulsory.","start":1333.765,"end":1334.92,"sentiment":"neutral","sentiment_score":0.01085654211541017},{"text":"So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track.","start":1334.92,"end":1346.12,"sentiment":"positive","sentiment_score":0.5169361120945698}],"sentiment":"neutral","sentiment_score":0.2016576026007533,"channel":0,"num_words":125,"start":1308.4501,"end":1346.12},{"sentences":[{"text":"So there's 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well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment.","start":1364.8,"end":1373.54,"sentiment":"neutral","sentiment_score":0.05377822752822848},{"text":"That is something I would love to rectify.","start":1374.235,"end":1376.255,"sentiment":"neutral","sentiment_score":0.001585100777447222},{"text":"So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset.","start":1376.475,"end":1382.6549,"sentiment":"neutral","sentiment_score":0.08048655075783079}],"sentiment":"neutral","sentiment_score":0.0823916223511767,"channel":0,"num_words":67,"start":1363.12,"end":1382.6549},{"sentences":[{"text":"So in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after.","start":1382.715,"end":1399.1,"sentiment":"neutral","sentiment_score":0.03207290410581562},{"text":"Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied?","start":1400.185,"end":1409.0851,"sentiment":"neutral","sentiment_score":0.23177987337112427}],"sentiment":"neutral","sentiment_score":0.10339682170056871,"channel":0,"num_words":84,"start":1382.715,"end":1409.0851},{"sentences":[{"text":"Yeah.","start":1409.9,"end":1410.2999,"sentiment":"neutral","sentiment_score":0.06365589797496796},{"text":"That's fine.","start":1410.2999,"end":1410.94,"sentiment":"neutral","sentiment_score":0.10284611582756042},{"text":"I I remember getting the 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okay.","start":1417.2899,"end":1418.11,"sentiment":"neutral","sentiment_score":-0.012795181013643742},{"text":"That's okay.","start":1418.4099,"end":1419.0499,"sentiment":"neutral","sentiment_score":0.06148430332541466},{"text":"That's why I kind of go and look.","start":1419.0499,"end":1420.57,"sentiment":"neutral","sentiment_score":0.060519535560160875},{"text":"I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out.","start":1420.57,"end":1425.7699,"sentiment":"neutral","sentiment_score":0.1413603742485461}],"sentiment":"neutral","sentiment_score":0.10495768264970845,"channel":0,"num_words":36,"start":1417.1299,"end":1425.7699},{"sentences":[{"text":"We just need approval from you to do so.","start":1425.7699,"end":1428.19,"sentiment":"neutral","sentiment_score":0.06982648289865917},{"text":"Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney?","start":1428.855,"end":1433.095,"sentiment":"neutral","sentiment_score":0.03423507635792097},{"text":"Is that correct?","start":1433.095,"end":1433.995,"sentiment":"neutral","sentiment_score":0.0335663395623366}],"sentiment":"neutral","sentiment_score":0.04484562464058399,"channel":0,"num_words":30,"start":1425.7699,"end":1433.995},{"sentences":[{"text":"Yes.","start":1434.505,"end":1434.985,"sentiment":"neutral","sentiment_score":0.06731900572776794},{"text":"Yep.","start":1434.985,"end":1435.485,"sentiment":"neutral","sentiment_score":0.077305369079113}],"sentiment":"neutral","sentiment_score":0.07231218740344048,"channel":1,"num_words":2,"start":1434.505,"end":1435.485},{"sentences":[{"text":"Yes.","start":1436.215,"end":1436.615,"sentiment":"neutral","sentiment_score":0.13410817086696625},{"text":"Beautiful.","start":1436.615,"end":1437.115,"sentiment":"positive","sentiment_score":0.33368057012557983},{"text":"And just confirming, does Courtney have the same surname as you, or what is what's her surname?","start":1437.175,"end":1442.01,"sentiment":"neutral","sentiment_score":0.06558558520148783}],"sentiment":"neutral","sentiment_score":0.08330229944304417,"channel":0,"num_words":19,"start":1436.215,"end":1442.01},{"sentences":[{"text":"No.","start":1442.31,"end":1442.63,"sentiment":"neutral","sentiment_score":-0.004898339509963989},{"text":"So Saneco, s a n e c o.","start":1442.63,"end":1446.09,"sentiment":"neutral","sentiment_score":0.013521152664907277}],"sentiment":"neutral","sentiment_score":0.011474542423254915,"channel":1,"num_words":9,"start":1442.31,"end":1446.09},{"sentences":[{"text":"Easy.","start":1447.45,"end":1447.93,"sentiment":"neutral","sentiment_score":0.1479361355304718},{"text":"Oh, fantastic.","start":1447.93,"end":1448.59,"sentiment":"neutral","sentiment_score":0.32854948937892914},{"text":"Just so I do that correctly.","start":1448.89,"end":1450.27,"sentiment":"neutral","sentiment_score":0.14641300588846207},{"text":"And same residential address as yourself?","start":1451.13,"end":1453.63,"sentiment":"neutral","sentiment_score":0.07451571275790532}],"sentiment":"neutral","sentiment_score":0.14204049507776897,"channel":0,"num_words":15,"start":1447.45,"end":1453.63},{"sentences":[{"text":"Yes.","start":1454.15,"end":1454.65,"sentiment":"neutral","sentiment_score":0.09761791676282884}],"sentiment":"neutral","sentiment_score":0.09761791676282884,"channel":1,"num_words":1,"start":1454.15,"end":1454.65},{"sentences":[{"text":"Yep.","start":1455.945,"end":1456.265,"sentiment":"neutral","sentiment_score":0.14553463459014893},{"text":"Fantastic.","start":1456.265,"end":1456.765,"sentiment":"neutral","sentiment_score":0.19976794719696045},{"text":"And a hard question, what is Courtney's date of 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team will place all the documents for you to make it easier when that comes through.","start":1467.705,"end":1472.32,"sentiment":"positive","sentiment_score":0.4672131968869103}],"sentiment":"positive","sentiment_score":0.4923287504166365,"channel":0,"num_words":25,"start":1464.1849,"end":1472.32},{"sentences":[{"text":"We'll just need you to sign and have a witness.","start":1472.32,"end":1474.6599,"sentiment":"neutral","sentiment_score":0.18574610725045204},{"text":"It just needs to be two witnesses over the 18.","start":1475.2799,"end":1477.6799,"sentiment":"neutral","sentiment_score":0.09531679637730121},{"text":"One of those cannot be Courtney.","start":1477.6799,"end":1479.2999,"sentiment":"neutral","sentiment_score":0.012089763457576433},{"text":"And","start":1479.6799,"end":1479.84,"sentiment":"neutral","sentiment_score":0.10885950177907944}],"sentiment":"neutral","sentiment_score":0.1108158192148915,"channel":0,"num_words":27,"start":1472.32,"end":1479.84},{"sentences":[{"text":"Yes.","start":1479.83,"end":1480.125,"sentiment":"neutral","sentiment_score":0.12133679538965224}],"sentiment":"neutral","sentiment_score":0.12133679538965224,"channel":1,"num_words":1,"start":1479.83,"end":1480.125},{"sentences":[{"text":"then if you send it back to us, we'll have that applied.","start":1479.84,"end":1482.4199,"sentiment":"neutral","sentiment_score":0.13933373056352139},{"text":"I will double check against your Clearview life policy to make sure that that is also applied and correct.","start":1482.5599,"end":1488.585,"sentiment":"neutral","sentiment_score":0.13715420584929616},{"text":"If it's not, I'll make sure we get 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yeah,","start":1694.1599,"end":1699.38,"sentiment":"neutral","sentiment_score":-0.006950717465952039}],"sentiment":"neutral","sentiment_score":-0.006950717465952039,"channel":1,"num_words":20,"start":1694.1599,"end":1699.38},{"sentences":[{"text":"Yeah.","start":1699.58,"end":1700.08,"sentiment":"neutral","sentiment_score":0.04374359548091888}],"sentiment":"neutral","sentiment_score":0.04374359548091888,"channel":0,"num_words":1,"start":1699.58,"end":1700.08},{"sentences":[{"text":"8,000 is fine.","start":1699.84,"end":1701.0599,"sentiment":"neutral","sentiment_score":0.06894972423712413}],"sentiment":"neutral","sentiment_score":0.06894972423712413,"channel":1,"num_words":3,"start":1699.84,"end":1701.0599},{"sentences":[{"text":"$88,000 is fine.","start":1702.22,"end":1703.34,"sentiment":"neutral","sentiment_score":0.11642230053742726},{"text":"Not a problem at all.","start":1703.34,"end":1704.38,"sentiment":"positive","sentiment_score":0.3397988975048065},{"text":"Beautiful.","start":1704.38,"end":1704.88,"sentiment":"positive","sentiment_score":0.5616010427474976},{"text":"And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on?","start":1705.2949,"end":1712.195,"sentiment":"neutral","sentiment_score":0.0779833059757948}],"sentiment":"neutral","sentiment_score":0.14377684659998993,"channel":0,"num_words":29,"start":1702.22,"end":1712.195},{"sentences":[{"text":"No.","start":1712.515,"end":1712.835,"sentiment":"neutral","sentiment_score":-0.017153054475784302},{"text":"None.","start":1712.835,"end":1713.335,"sentiment":"neutral","sentiment_score":-0.010869311168789864}],"sentiment":"neutral","sentiment_score":-0.014011182822287083,"channel":1,"num_words":2,"start":1712.515,"end":1713.335},{"sentences":[{"text":"No.","start":1714.575,"end":1714.815,"sentiment":"neutral","sentiment_score":-0.025283247232437137},{"text":"That's okay.","start":1714.815,"end":1715.615,"sentiment":"neutral","sentiment_score":0.036745309829711914},{"text":"Another asset I would like to note down is contents as well.","start":1715.615,"end":1719.56,"sentiment":"neutral","sentiment_score":0.048501230465869107},{"text":"Do you have contents insurance?","start":1719.56,"end":1721.18,"sentiment":"neutral","sentiment_score":0.011193393915891647}],"sentiment":"neutral","sentiment_score":0.034309455379843715,"channel":0,"num_words":20,"start":1714.575,"end":1721.18},{"sentences":[{"text":"Yes.","start":1721.7949,"end":1722.18,"sentiment":"neutral","sentiment_score":0.028634272515773773}],"sentiment":"neutral","sentiment_score":0.028634272515773773,"channel":1,"num_words":1,"start":1721.7949,"end":1722.18},{"sentences":[{"text":"Yep.","start":1723.4,"end":1723.64,"sentiment":"neutral","sentiment_score":0.032598551362752914},{"text":"Do you know what value you would put on your contents or you have on your insurance policy?","start":1723.64,"end":1727.98,"sentiment":"neutral","sentiment_score":0.013624312770035531}],"sentiment":"neutral","sentiment_score":0.01462295690649434,"channel":0,"num_words":19,"start":1723.4,"end":1727.98},{"sentences":[{"text":"I think the insurance policy is at 75.","start":1728.42,"end":1730.9801,"sentiment":"neutral","sentiment_score":0.00939227023627609},{"text":"That's","start":1730.9801,"end":1731.4801,"sentiment":"neutral","sentiment_score":0.11106860637664796}],"sentiment":"neutral","sentiment_score":0.02068964091853963,"channel":1,"num_words":9,"start":1728.42,"end":1731.4801},{"sentences":[{"text":"Yep.","start":1732.52,"end":1732.935,"sentiment":"neutral","sentiment_score":0.1268826276063919},{"text":"Beautiful.","start":1733.255,"end":1733.755,"sentiment":"positive","sentiment_score":0.6226240396499634},{"text":"Fantastic.","start":1734.2151,"end":1734.7151,"sentiment":"positive","sentiment_score":0.675971269607544},{"text":"Excellent.","start":1735.415,"end":1735.8151,"sentiment":"positive","sentiment_score":0.6311107277870178},{"text":"Well, thank you so much for updating those details there for me.","start":1735.8151,"end":1739.035,"sentiment":"positive","sentiment_score":0.5805017550786337}],"sentiment":"positive","sentiment_score":0.5639131078496575,"channel":0,"num_words":16,"start":1732.52,"end":1739.035},{"sentences":[{"text":"Just sort of double checking goal wise as well.","start":1739.655,"end":1742.055,"sentiment":"neutral","sentiment_score":0.29500800205601585},{"text":"When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young.","start":1742.055,"end":1748.2799,"sentiment":"neutral","sentiment_score":0.09387803869321942},{"text":"I don't project all the way out to retirement.","start":1748.2799,"end":1751.1799,"sentiment":"neutral","sentiment_score":-0.003146317270067003},{"text":"I just look at the next five to ten years solely because there's too many things that could change in that time frame for you.","start":1751.24,"end":1757.1799,"sentiment":"neutral","sentiment_score":0.005392717756330967},{"text":"But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully?","start":1758.12,"end":1765.055,"sentiment":"neutral","sentiment_score":-0.004517600871622562}],"sentiment":"neutral","sentiment_score":0.05522762715104926,"channel":0,"num_words":89,"start":1739.655,"end":1765.055},{"sentences":[{"text":"Are you sort of hoping the earliest age possible, or do you think you're likely to work to 65?","start":1765.055,"end":1770.495,"sentiment":"neutral","sentiment_score":-0.025052540396389208},{"text":"What do you sort of think?","start":1770.495,"end":1771.875,"sentiment":"neutral","sentiment_score":-0.03008624166250229}],"sentiment":"neutral","sentiment_score":-0.026260628700256347,"channel":0,"num_words":25,"start":1765.055,"end":1771.875},{"sentences":[{"text":"Yeah.","start":1772.835,"end":1773.335,"sentiment":"neutral","sentiment_score":-0.05094359070062637},{"text":"I don't 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yeah, I I guess you're nice.","start":1778.115,"end":1781.06,"sentiment":"neutral","sentiment_score":-0.013337769412568637},{"text":"I look I guess at the moment, it's just 65 is is is not an unreasonable target.","start":1781.06,"end":1786.6,"sentiment":"neutral","sentiment_score":-0.027508913484566352},{"text":"But, you 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could","start":1788.74,"end":1789.22,"sentiment":"neutral","sentiment_score":-0.08813765148321788}],"sentiment":"neutral","sentiment_score":-0.08813765148321788,"channel":1,"num_words":3,"start":1788.74,"end":1789.22},{"sentences":[{"text":"Definitely","start":1788.99,"end":1789.49,"sentiment":"neutral","sentiment_score":-0.08613942563533783}],"sentiment":"neutral","sentiment_score":-0.08613942563533783,"channel":0,"num_words":1,"start":1788.99,"end":1789.49},{"sentences":[{"text":"done by","start":1789.22,"end":1789.78,"sentiment":"neutral","sentiment_score":-0.054013680666685104}],"sentiment":"neutral","sentiment_score":-0.054013680666685104,"channel":1,"num_words":2,"start":1789.22,"end":1789.78},{"sentences":[{"text":"not.","start":1789.5499,"end":1790.0499,"sentiment":"neutral","sentiment_score":-0.05446847155690193}],"sentiment":"neutral","sentiment_score":-0.05446847155690193,"channel":0,"num_words":1,"start":1789.5499,"end":1790.0499},{"sentences":[{"text":"50, would it be even 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get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah.","start":1810.62,"end":1816.14,"sentiment":"neutral","sentiment_score":0.14284718602895738}],"sentiment":"neutral","sentiment_score":0.11931162725668401,"channel":0,"num_words":80,"start":1793.375,"end":1816.14},{"sentences":[{"text":"I'm done.","start":1816.14,"end":1816.7,"sentiment":"neutral","sentiment_score":0.2641529440879822},{"text":"I wanna retire.","start":1816.7,"end":1817.76,"sentiment":"positive","sentiment_score":0.45360590020815533},{"text":"We'll definitely make it happen.","start":1818.005,"end":1819.2051,"sentiment":"positive","sentiment_score":0.7353280544281006},{"text":"Look at what you need to live on and how that works for you and provide advice for suit.","start":1819.2051,"end":1822.885,"sentiment":"positive","sentiment_score":0.49918711969726964},{"text":"And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for 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fine.","start":1921.09,"end":1921.9099,"sentiment":"neutral","sentiment_score":0.13433998078107834}],"sentiment":"neutral","sentiment_score":0.06777489348314703,"channel":1,"num_words":4,"start":1920.69,"end":1921.9099},{"sentences":[{"text":"Fantastic.","start":1923.37,"end":1923.87,"sentiment":"positive","sentiment_score":0.592130184173584},{"text":"And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity?","start":1924.9349,"end":1931.355,"sentiment":"neutral","sentiment_score":0.11130795717753213}],"sentiment":"neutral","sentiment_score":0.1273353647440672,"channel":0,"num_words":30,"start":1923.37,"end":1931.355},{"sentences":[{"text":"Look.","start":1932.2749,"end":1932.515,"sentiment":"neutral","sentiment_score":0.004964504390954971},{"text":"Around the same time as any time after 04:00 just seems to be good, but it's it's 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miss,","start":1937.475,"end":1937.955,"sentiment":"neutral","sentiment_score":-0.09298994764685632}],"sentiment":"neutral","sentiment_score":-0.09298994764685632,"channel":1,"num_words":2,"start":1937.475,"end":1937.955},{"sentences":[{"text":"PM.","start":1937.575,"end":1938.075,"sentiment":"neutral","sentiment_score":-0.06140813976526261}],"sentiment":"neutral","sentiment_score":-0.06140813976526261,"channel":0,"num_words":1,"start":1937.575,"end":1938.075},{"sentences":[{"text":"unfortunately.","start":1937.955,"end":1938.455,"sentiment":"neutral","sentiment_score":-0.0738409236073494}],"sentiment":"neutral","sentiment_score":-0.0738409236073494,"channel":1,"num_words":1,"start":1937.955,"end":1938.455},{"sentences":[{"text":"Yeah.","start":1939.5299,"end":1940.0299,"sentiment":"neutral","sentiment_score":-0.0020563993602991104},{"text":"No.","start":1940.1699,"end":1940.4099,"sentiment":"neutral","sentiment_score":0.002333439886569977},{"text":"That's absolutely okay.","start":1940.4099,"end":1941.85,"sentiment":"neutral","sentiment_score":0.19969090819358826},{"text":"That's not a problem at all.","start":1941.85,"end":1943.13,"sentiment":"neutral","sentiment_score":0.313418909907341},{"text":"I'll organize that for you.","start":1943.13,"end":1944.4099,"sentiment":"positive","sentiment_score":0.3456007719039917}],"sentiment":"neutral","sentiment_score":0.26299169275444,"channel":0,"num_words":16,"start":1939.5299,"end":1944.4099},{"sentences":[{"text":"No issues.","start":1944.4099,"end":1945.1499,"sentiment":"neutral","sentiment_score":0.20401909202337265},{"text":"I'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try.","start":1945.61,"end":1954.745,"sentiment":"neutral","sentiment_score":0.19101456935916628},{"text":"And they're really great.","start":1955.285,"end":1956.245,"sentiment":"positive","sentiment_score":0.7398020029067993},{"text":"They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property.","start":1956.245,"end":1961.925,"sentiment":"positive","sentiment_score":0.47179332996408146},{"text":"Hopefully, you find what you're after.","start":1961.925,"end":1963.4451,"sentiment":"positive","sentiment_score":0.4203084359566371}],"sentiment":"positive","sentiment_score":0.3365865726496132,"channel":0,"num_words":71,"start":1944.4099,"end":1963.4451},{"sentences":[{"text":"That'd be fantastic.","start":1963.4451,"end":1964.505,"sentiment":"positive","sentiment_score":0.7056237061818441}],"sentiment":"positive","sentiment_score":0.7056237061818441,"channel":0,"num_words":3,"start":1963.4451,"end":1964.505},{"sentences":[{"text":"Yes.","start":1965.885,"end":1966.35,"sentiment":"positive","sentiment_score":0.44716793298721313}],"sentiment":"positive","sentiment_score":0.44716793298721313,"channel":1,"num_words":1,"start":1965.885,"end":1966.35},{"sentences":[{"text":"Excellent.","start":1966.64,"end":1967.14,"sentiment":"positive","sentiment_score":0.5557381510734558},{"text":"The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you.","start":1967.36,"end":1974.0,"sentiment":"neutral","sentiment_score":0.18541063607803412},{"text":"I literally have filled most of it out already.","start":1974.0,"end":1976.4199,"sentiment":"neutral","sentiment_score":0.2495817012257046},{"text":"The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can?","start":1977.36,"end":1987.435,"sentiment":"neutral","sentiment_score":0.04955653799697757},{"text":"Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower?","start":1987.435,"end":1998.0099,"sentiment":"neutral","sentiment_score":0.011007682885974646}],"sentiment":"neutral","sentiment_score":0.09736790529945318,"channel":0,"num_words":102,"start":1966.64,"end":1998.0099},{"sentences":[{"text":"Where do you think you fit yourself?","start":1998.0099,"end":1999.47,"sentiment":"neutral","sentiment_score":-0.004588871662105832}],"sentiment":"neutral","sentiment_score":-0.004588871662105832,"channel":0,"num_words":7,"start":1998.0099,"end":1999.47},{"sentences":[{"text":"I think I've always said, like, around the middle.","start":2000.25,"end":2002.2699,"sentiment":"neutral","sentiment_score":0.010537488696475824},{"text":"Fine to take some","start":2002.6499,"end":2003.61,"sentiment":"neutral","sentiment_score":0.03631912171840668}],"sentiment":"neutral","sentiment_score":0.018470298857069932,"channel":1,"num_words":13,"start":2000.25,"end":2003.61},{"sentences":[{"text":"The","start":2003.5299,"end":2003.7699,"sentiment":"neutral","sentiment_score":-0.011508099734783173}],"sentiment":"neutral","sentiment_score":-0.011508099734783173,"channel":0,"num_words":1,"start":2003.5299,"end":2003.7699},{"sentences":[{"text":"risks","start":2003.61,"end":2004.01,"sentiment":"neutral","sentiment_score":-0.0016520880162715912}],"sentiment":"neutral","sentiment_score":-0.0016520880162715912,"channel":1,"num_words":1,"start":2003.61,"end":2004.01},{"sentences":[{"text":"middle?","start":2003.7699,"end":2004.1699,"sentiment":"neutral","sentiment_score":0.0027754437178373337}],"sentiment":"neutral","sentiment_score":0.0027754437178373337,"channel":0,"num_words":1,"start":2003.7699,"end":2004.1699},{"sentences":[{"text":"because","start":2004.01,"end":2004.33,"sentiment":"neutral","sentiment_score":0.001890372484922409}],"sentiment":"neutral","sentiment_score":0.001890372484922409,"channel":1,"num_words":1,"start":2004.01,"end":2004.33},{"sentences":[{"text":"Yep.","start":2004.1699,"end":2004.6699,"sentiment":"neutral","sentiment_score":0.036507319658994675}],"sentiment":"neutral","sentiment_score":0.036507319658994675,"channel":0,"num_words":1,"start":2004.1699,"end":2004.6699},{"sentences":[{"text":"yeah.","start":2004.49,"end":2004.99,"sentiment":"neutral","sentiment_score":0.06903946399688721}],"sentiment":"neutral","sentiment_score":0.06903946399688721,"channel":1,"num_words":1,"start":2004.49,"end":2004.99},{"sentences":[{"text":"Yep.","start":2005.37,"end":2005.87,"sentiment":"neutral","sentiment_score":0.1232672929763794},{"text":"Perfect.","start":2006.97,"end":2007.47,"sentiment":"neutral","sentiment_score":0.2568318247795105},{"text":"If the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling?","start":2008.265,"end":2017.885,"sentiment":"neutral","sentiment_score":-0.09733976361652215},{"text":"Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip?","start":2018.105,"end":2023.325,"sentiment":"neutral","sentiment_score":0.026037574745714664},{"text":"Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure?","start":2023.5701,"end":2035.8301,"sentiment":"neutral","sentiment_score":-0.022952460197974808}],"sentiment":"neutral","sentiment_score":-0.03857484207573262,"channel":0,"num_words":110,"start":2005.37,"end":2035.8301},{"sentences":[{"text":"How do you think you might fit into that category?","start":2035.89,"end":2037.99,"sentiment":"neutral","sentiment_score":0.026501490175724028}],"sentiment":"neutral","sentiment_score":0.026501490175724028,"channel":0,"num_words":10,"start":2035.89,"end":2037.99},{"sentences":[{"text":"Look.","start":2038.915,"end":2039.075,"sentiment":"neutral","sentiment_score":0.05540159344673157},{"text":"I guess being my age, I'm not too stressed on it.","start":2039.075,"end":2041.715,"sentiment":"neutral","sentiment_score":-0.008779857223006811},{"text":"I'm just happy, I guess I guess, for a bit of guidance from from you guys.","start":2041.715,"end":2045.01,"sentiment":"positive","sentiment_score":0.3673863038420677}],"sentiment":"neutral","sentiment_score":0.208464429480955,"channel":1,"num_words":28,"start":2038.915,"end":2045.01},{"sentences":[{"text":"Yeah.","start":2046.505,"end":2046.8251,"sentiment":"neutral","sentiment_score":0.23042108118534088},{"text":"Absolutely.","start":2046.8251,"end":2047.3251,"sentiment":"positive","sentiment_score":0.42265236377716064},{"text":"Fantastic.","start":2047.7051,"end":2048.205,"sentiment":"positive","sentiment_score":0.5889334678649902},{"text":"And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property?","start":2048.745,"end":2055.78,"sentiment":"neutral","sentiment_score":0.1562350985001434},{"text":"Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property?","start":2056.08,"end":2066.6602,"sentiment":"neutral","sentiment_score":0.04756816747513684}],"sentiment":"neutral","sentiment_score":0.10774014838810625,"channel":0,"num_words":58,"start":2046.505,"end":2066.6602},{"sentences":[{"text":"How do you","start":2066.8,"end":2067.28,"sentiment":"neutral","sentiment_score":0.0006732338418563207}],"sentiment":"neutral","sentiment_score":0.0006732338418563207,"channel":0,"num_words":3,"start":2066.8,"end":2067.28},{"sentences":[{"text":"Yeah.","start":2067.2449,"end":2067.7449,"sentiment":"neutral","sentiment_score":-0.009891937486827374}],"sentiment":"neutral","sentiment_score":-0.009891937486827374,"channel":1,"num_words":1,"start":2067.2449,"end":2067.7449},{"sentences":[{"text":"see yourself bidding?","start":2067.28,"end":2068.185,"sentiment":"neutral","sentiment_score":-0.014084280158082644}],"sentiment":"neutral","sentiment_score":-0.014084280158082644,"channel":0,"num_words":3,"start":2067.28,"end":2068.185},{"sentences":[{"text":"I'd probably say I'm only comfortable really buying property.","start":2068.4448,"end":2070.9448,"sentiment":"neutral","sentiment_score":-0.07438456060157882}],"sentiment":"neutral","sentiment_score":-0.07438456060157882,"channel":1,"num_words":9,"start":2068.4448,"end":2070.9448},{"sentences":[{"text":"Property.","start":2072.425,"end":2072.925,"sentiment":"neutral","sentiment_score":-0.005099227651953697},{"text":"Yeah.","start":2073.065,"end":2073.5452,"sentiment":"neutral","sentiment_score":0.05046230927109718},{"text":"That's okay.","start":2073.5452,"end":2074.445,"sentiment":"neutral","sentiment_score":0.1166987270116806},{"text":"Absolutely.","start":2075.145,"end":2075.645,"sentiment":"neutral","sentiment_score":0.33062851428985596},{"text":"Perfect.","start":2076.5051,"end":2077.0051,"sentiment":"positive","sentiment_score":0.439935564994812}],"sentiment":"neutral","sentiment_score":0.17488743582119545,"channel":0,"num_words":6,"start":2072.425,"end":2077.0051},{"sentences":[{"text":"Now having a look at that one there, you have scored as a growth investor.","start":2077.385,"end":2080.7651,"sentiment":"neutral","sentiment_score":0.16676580508550007},{"text":"So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed 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investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns.","start":2114.67,"end":2128.625,"sentiment":"neutral","sentiment_score":0.03493278851700862},{"text":"It is always hard to know that they are negative to any portfolio, and that markets do see downtime.","start":2129.885,"end":2135.9849,"sentiment":"neutral","sentiment_score":-0.21860114210530332},{"text":"In this kind of environment, we'd expect the likelihood of a negative return about one in every five years.","start":2136.69,"end":2142.79,"sentiment":"neutral","sentiment_score":-0.21125952115184382},{"text":"But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon.","start":2142.93,"end":2149.41,"sentiment":"neutral","sentiment_score":0.3132459372282028}],"sentiment":"neutral","sentiment_score":0.005530636681023201,"channel":0,"num_words":114,"start":2112.51,"end":2149.41},{"sentences":[{"text":"And that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead","start":2149.41,"end":2156.4949,"sentiment":"positive","sentiment_score":0.4695910182264116}],"sentiment":"positive","sentiment_score":0.4695910182264116,"channel":0,"num_words":27,"start":2149.41,"end":2156.4949},{"sentences":[{"text":"Yeah.","start":2156.4102,"end":2156.9102,"sentiment":"neutral","sentiment_score":0.27581262588500977}],"sentiment":"neutral","sentiment_score":0.27581262588500977,"channel":1,"num_words":1,"start":2156.4102,"end":2156.9102},{"sentences":[{"text":"of you at the moment.","start":2156.4949,"end":2157.555,"sentiment":"neutral","sentiment_score":0.23684690594673158},{"text":"In saying that, do you feel you're comfortable in that growth environment at the moment?","start":2158.575,"end":2162.755,"sentiment":"neutral","sentiment_score":0.23662588000297546}],"sentiment":"neutral","sentiment_score":0.23668113648891448,"channel":0,"num_words":20,"start":2156.4949,"end":2162.755},{"sentences":[{"text":"Yeah.","start":2164.1702,"end":2164.4102,"sentiment":"neutral","sentiment_score":0.07619805634021759},{"text":"No.","start":2164.4102,"end":2164.5303,"sentiment":"neutral","sentiment_score":-0.05064946413040161},{"text":"I guess I mean, I guess","start":2164.5303,"end":2166.695,"sentiment":"neutral","sentiment_score":-0.03555995225906372}],"sentiment":"neutral","sentiment_score":-0.023476390168070793,"channel":1,"num_words":8,"start":2164.1702,"end":2166.695},{"sentences":[{"text":"Yes?","start":2166.655,"end":2167.08,"sentiment":"neutral","sentiment_score":0.07609206438064575}],"sentiment":"neutral","sentiment_score":0.07609206438064575,"channel":0,"num_words":1,"start":2166.655,"end":2167.08},{"sentences":[{"text":"there's there's no there's no issues being a little bit more aggressive at this point of time in my life.","start":2166.695,"end":2172.635,"sentiment":"neutral","sentiment_score":-0.10853267405182124}],"sentiment":"neutral","sentiment_score":-0.10853267405182124,"channel":1,"num_words":20,"start":2166.695,"end":2172.635},{"sentences":[{"text":"Mhmm.","start":2174.2002,"end":2174.7002,"sentiment":"neutral","sentiment_score":0.006879082880914211}],"sentiment":"neutral","sentiment_score":0.006879082880914211,"channel":0,"num_words":1,"start":2174.2002,"end":2174.7002},{"sentences":[{"text":"I'm not too concerned, to be honest.","start":2175.335,"end":2178.235,"sentiment":"neutral","sentiment_score":-0.06551057685698781}],"sentiment":"neutral","sentiment_score":-0.06551057685698781,"channel":1,"num_words":7,"start":2175.335,"end":2178.235},{"sentences":[{"text":"Yeah.","start":2178.6,"end":2178.84,"sentiment":"neutral","sentiment_score":0.005136162042617798},{"text":"No.","start":2178.84,"end":2179.08,"sentiment":"neutral","sentiment_score":-0.07088318467140198},{"text":"That's it.","start":2179.08,"end":2179.56,"sentiment":"neutral","sentiment_score":-0.04580792784690857},{"text":"That's okay.","start":2179.56,"end":2180.3801,"sentiment":"neutral","sentiment_score":0.19465134292840958}],"sentiment":"neutral","sentiment_score":0.0386566345890363,"channel":0,"num_words":6,"start":2178.6,"end":2180.3801},{"sentences":[{"text":"Yeah.","start":2180.295,"end":2180.73,"sentiment":"positive","sentiment_score":0.3364342153072357}],"sentiment":"positive","sentiment_score":0.3364342153072357,"channel":1,"num_words":1,"start":2180.295,"end":2180.73},{"sentences":[{"text":"That's absolutely fine.","start":2180.635,"end":2181.855,"sentiment":"positive","sentiment_score":0.44916043678919476},{"text":"Yes.","start":2182.155,"end":2182.475,"sentiment":"positive","sentiment_score":0.38027673959732056},{"text":"That's alright.","start":2182.475,"end":2182.955,"sentiment":"positive","sentiment_score":0.4255722314119339},{"text":"So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three.","start":2182.955,"end":2194.27,"sentiment":"neutral","sentiment_score":0.22084015353423794},{"text":"So you're kind of not all aggressive, not all defensive.","start":2194.41,"end":2197.61,"sentiment":"neutral","sentiment_score":0.12098304480314255}],"sentiment":"neutral","sentiment_score":0.22531893431094654,"channel":0,"num_words":57,"start":2180.635,"end":2197.61},{"sentences":[{"text":"You're kind of in that middle range at the moment.","start":2197.61,"end":2199.95,"sentiment":"neutral","sentiment_score":0.28692977130413055},{"text":"Do you feel like that's where you are comfortable where you wanna be for the 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me.","start":2207.105,"end":2208.0,"sentiment":"neutral","sentiment_score":0.03905657213181257}],"sentiment":"neutral","sentiment_score":0.03905657213181257,"channel":1,"num_words":4,"start":2207.105,"end":2208.0},{"sentences":[{"text":"Yeah.","start":2208.3252,"end":2208.8252,"sentiment":"neutral","sentiment_score":0.1671598255634308},{"text":"That's okay.","start":2209.205,"end":2210.0051,"sentiment":"neutral","sentiment_score":0.2507769539952278},{"text":"There's definitely no wrong answer.","start":2210.0051,"end":2211.845,"sentiment":"neutral","sentiment_score":0.06242068260908127},{"text":"In all honesty, I've got clients who are in their fifties who wear black and blue.","start":2211.845,"end":2216.0852,"sentiment":"neutral","sentiment_score":0.17524144751951098},{"text":"They're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn.","start":2216.0852,"end":2224.47,"sentiment":"neutral","sentiment_score":0.1752495842852763}],"sentiment":"neutral","sentiment_score":0.16714747436344624,"channel":0,"num_words":52,"start":2208.3252,"end":2224.47},{"sentences":[{"text":"I've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself.","start":2225.0898,"end":2236.47,"sentiment":"neutral","sentiment_score":0.13758483931824966},{"text":"But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk.","start":2236.5298,"end":2244.985,"sentiment":"neutral","sentiment_score":0.24954139215476584},{"text":"There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through.","start":2244.985,"end":2257.54,"sentiment":"neutral","sentiment_score":-0.1696739407049285},{"text":"If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more.","start":2258.0,"end":2266.1802,"sentiment":"neutral","sentiment_score":-0.20854365671503133},{"text":"But right now, that portfolio does generally suit where you're at age and stage wise.","start":2266.665,"end":2272.365,"sentiment":"neutral","sentiment_score":0.13603498289982477}],"sentiment":"neutral","sentiment_score":0.010584505427183595,"channel":0,"num_words":159,"start":2225.0898,"end":2272.365},{"sentences":[{"text":"I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you.","start":2272.825,"end":2279.085,"sentiment":"neutral","sentiment_score":0.3232473994676883},{"text":"Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you.","start":2279.3699,"end":2288.5698,"sentiment":"positive","sentiment_score":0.45068172345290314},{"text":"How does that sound?","start":2288.5698,"end":2289.63,"sentiment":"neutral","sentiment_score":0.16513310186564922}],"sentiment":"positive","sentiment_score":0.3841819188265658,"channel":0,"num_words":67,"start":2272.825,"end":2289.63},{"sentences":[{"text":"Yeah.","start":2289.9348,"end":2290.1748,"sentiment":"neutral","sentiment_score":0.07634419202804565},{"text":"No.","start":2290.1748,"end":2290.415,"sentiment":"neutral","sentiment_score":0.043136678636074066},{"text":"That's 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sorry.","start":2300.425,"end":2301.085,"sentiment":"neutral","sentiment_score":-0.07191132754087448}],"sentiment":"neutral","sentiment_score":0.12082845471318691,"channel":0,"num_words":31,"start":2292.905,"end":2301.085},{"sentences":[{"text":"No.","start":2301.4602,"end":2301.7002,"sentiment":"neutral","sentiment_score":-0.10004872828722},{"text":"Not not really, I guess.","start":2301.7002,"end":2303.1602,"sentiment":"neutral","sentiment_score":-0.15415050089359283},{"text":"It's it's it's it's all","start":2303.3801,"end":2304.34,"sentiment":"neutral","sentiment_score":-0.07538445070385932}],"sentiment":"neutral","sentiment_score":-0.11342940784313461,"channel":1,"num_words":11,"start":2301.4602,"end":2304.34},{"sentences":[{"text":"No.","start":2304.185,"end":2304.51,"sentiment":"neutral","sentiment_score":-0.1719774603843689}],"sentiment":"neutral","sentiment_score":-0.1719774603843689,"channel":0,"num_words":1,"start":2304.185,"end":2304.51},{"sentences":[{"text":"the same, I guess, essentially, and and yeah.","start":2304.34,"end":2306.6802,"sentiment":"neutral","sentiment_score":-0.1177392965182662}],"sentiment":"neutral","sentiment_score":-0.1177392965182662,"channel":1,"num_words":8,"start":2304.34,"end":2306.6802},{"sentences":[{"text":"Yeah.","start":2306.75,"end":2307.25,"sentiment":"neutral","sentiment_score":0.07664355635643005},{"text":"Yep.","start":2308.03,"end":2308.35,"sentiment":"neutral","sentiment_score":0.18804959952831268},{"text":"That's absolutely fine.","start":2308.35,"end":2309.55,"sentiment":"positive","sentiment_score":0.4496424396832784},{"text":"That's perfect.","start":2309.55,"end":2310.29,"sentiment":"positive","sentiment_score":0.6713340580463409},{"text":"Well, I've got your ongoing service agreement in there for you.","start":2310.59,"end":2313.55,"sentiment":"neutral","sentiment_score":0.16721473769708114}],"sentiment":"neutral","sentiment_score":0.26642503920528626,"channel":0,"num_words":18,"start":2306.75,"end":2313.55},{"sentences":[{"text":"You do pay an ongoing service fee of 1.65 percent for our services.","start":2313.55,"end":2317.49,"sentiment":"neutral","sentiment_score":0.12259353124178372},{"text":"That's","start":2318.055,"end":2318.295,"sentiment":"neutral","sentiment_score":0.0862676352262497}],"sentiment":"neutral","sentiment_score":0.1199988243835313,"channel":0,"num_words":14,"start":2313.55,"end":2318.295},{"sentences":[{"text":"Yeah.","start":2318.085,"end":2318.585,"sentiment":"neutral","sentiment_score":0.0922316163778305}],"sentiment":"neutral","sentiment_score":0.0922316163778305,"channel":1,"num_words":1,"start":2318.085,"end":2318.585},{"sentences":[{"text":"the yearly fee, and it's deducted in smaller monthly 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a problem at all.","start":2359.21,"end":2360.0898,"sentiment":"neutral","sentiment_score":0.2592353641986847},{"text":"If that ever changes and you want something additional or you have any additional questions, please let me know.","start":2360.0898,"end":2364.73,"sentiment":"neutral","sentiment_score":0.08370653441862057},{"text":"It's not a problem.","start":2364.73,"end":2365.7898,"sentiment":"neutral","sentiment_score":0.27553290128707886}],"sentiment":"neutral","sentiment_score":0.14840825411180655,"channel":0,"num_words":30,"start":2358.01,"end":2365.7898},{"sentences":[{"text":"In the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things.","start":2366.41,"end":2372.27,"sentiment":"neutral","sentiment_score":0.1475105180784508},{"text":"The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income 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with","start":2395.02,"end":2400.9949,"sentiment":"neutral","sentiment_score":0.05125728944459787}],"sentiment":"neutral","sentiment_score":0.08815787064478449,"channel":0,"num_words":138,"start":2366.41,"end":2400.9949},{"sentences":[{"text":"Yeah.","start":2401.1602,"end":2401.4001,"sentiment":"neutral","sentiment_score":0.02773400768637657},{"text":"No.","start":2401.4001,"end":2401.56,"sentiment":"neutral","sentiment_score":-0.025798924267292023},{"text":"That's 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Samantha.","start":2436.465,"end":2437.905,"sentiment":"positive","sentiment_score":0.6035082340240479},{"text":"She's absolutely beautiful.","start":2437.905,"end":2439.025,"sentiment":"positive","sentiment_score":0.7649646997451782},{"text":"She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you.","start":2439.025,"end":2445.28,"sentiment":"positive","sentiment_score":0.42130971396410904},{"text":"Not a 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you?","start":2475.18,"end":2476.96,"sentiment":"neutral","sentiment_score":0.07737811974116734}],"sentiment":"neutral","sentiment_score":0.04112538332119584,"channel":0,"num_words":30,"start":2463.145,"end":2476.96},{"sentences":[{"text":"Yeah.","start":2477.265,"end":2477.3848,"sentiment":"neutral","sentiment_score":0.10722161829471588},{"text":"It should be fine.","start":2477.3848,"end":2478.305,"sentiment":"neutral","sentiment_score":0.17527101188898087},{"text":"I don't know what's happening in that fine 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you.","start":2482.7,"end":2485.395,"sentiment":"neutral","sentiment_score":0.095536837211022},{"text":"So it'll send you a reminder to let you know I'll be giving you a call.","start":2485.395,"end":2488.5151,"sentiment":"neutral","sentiment_score":0.0997898313216865},{"text":"If you find that doesn't suit, you can just let","start":2488.5151,"end":2491.155,"sentiment":"neutral","sentiment_score":-0.055211881548166274}],"sentiment":"neutral","sentiment_score":0.0546942783928499,"channel":0,"num_words":41,"start":2481.9,"end":2491.155},{"sentences":[{"text":"Yes.","start":2491.0,"end":2491.5,"sentiment":"neutral","sentiment_score":0.02117958851158619}],"sentiment":"neutral","sentiment_score":0.02117958851158619,"channel":1,"num_words":1,"start":2491.0,"end":2491.5},{"sentences":[{"text":"us know.","start":2491.155,"end":2491.475,"sentiment":"neutral","sentiment_score":0.061299555003643036},{"text":"We can happily reschedule 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for you.","start":2497.8801,"end":2501.02,"sentiment":"positive","sentiment_score":0.7250088552633921},{"text":"I will let you go, so thank you so much for your time.","start":2501.24,"end":2503.6401,"sentiment":"positive","sentiment_score":0.7980206517072824},{"text":"I really appreciate it, and I hope you have a good afternoon.","start":2503.6401,"end":2506.86,"sentiment":"positive","sentiment_score":0.7976244191328684}],"sentiment":"positive","sentiment_score":0.7740348624555689,"channel":0,"num_words":38,"start":2497.0,"end":2506.86},{"sentences":[{"text":"Yeah.","start":2507.021,"end":2507.261,"sentiment":"positive","sentiment_score":0.3848356604576111},{"text":"But thank you.","start":2507.261,"end":2507.901,"sentiment":"positive","sentiment_score":0.4859409034252167},{"text":"You too.","start":2507.901,"end":2508.461,"sentiment":"positive","sentiment_score":0.35503828525543213},{"text":"Talk to you next time.","start":2508.461,"end":2509.681,"sentiment":"positive","sentiment_score":0.3374743938446045}],"sentiment":"positive","sentiment_score":0.38546426458792254,"channel":1,"num_words":11,"start":2507.021,"end":2509.681},{"sentences":[{"text":"Thanks, Richard.","start":2509.951,"end":2510.8508,"sentiment":"positive","sentiment_score":0.5671138167381287},{"text":"Have a","start":2510.911,"end":2511.151,"sentiment":"positive","sentiment_score":0.47646763920783997}],"sentiment":"positive","sentiment_score":0.5217907279729843,"channel":0,"num_words":4,"start":2509.951,"end":2511.151},{"sentences":[{"text":"Alright.","start":2511.1008,"end":2511.6008,"sentiment":"positive","sentiment_score":0.35470932722091675}],"sentiment":"positive","sentiment_score":0.35470932722091675,"channel":1,"num_words":1,"start":2511.1008,"end":2511.6008},{"sentences":[{"text":"great afternoon.","start":2511.151,"end":2511.8708,"sentiment":"positive","sentiment_score":0.6673703789710999},{"text":"See you","start":2511.8708,"end":2512.191,"sentiment":"positive","sentiment_score":0.5798164308071136}],"sentiment":"positive","sentiment_score":0.6235934048891068,"channel":0,"num_words":4,"start":2511.151,"end":2512.191},{"sentences":[{"text":"Cheers.","start":2512.1409,"end":2512.541,"sentiment":"positive","sentiment_score":0.5821315050125122}],"sentiment":"positive","sentiment_score":0.5821315050125122,"channel":1,"num_words":1,"start":2512.1409,"end":2512.541},{"sentences":[{"text":"later.","start":2512.191,"end":2512.691,"sentiment":"neutral","sentiment_score":0.28205442428588867}],"sentiment":"neutral","sentiment_score":0.28205442428588867,"channel":0,"num_words":1,"start":2512.191,"end":2512.691},{"sentences":[{"text":"Bye.","start":2512.541,"end":2512.781,"sentiment":"neutral","sentiment_score":0.22558419406414032}],"sentiment":"neutral","sentiment_score":0.22558419406414032,"channel":1,"num_words":1,"start":2512.541,"end":2512.781},{"sentences":[{"text":"Bye.","start":2512.7507,"end":2513.2507,"sentiment":"neutral","sentiment_score":0.2021416127681732}],"sentiment":"neutral","sentiment_score":0.2021416127681732,"channel":0,"num_words":1,"start":2512.7507,"end":2513.2507},{"sentences":[{"text":"Thank you, sir.","start":2512.781,"end":2513.421,"sentiment":"positive","sentiment_score":0.6608473857243856},{"text":"Bye.","start":2513.421,"end":2513.921,"sentiment":"neutral","sentiment_score":-0.08463519811630249}],"sentiment":"positive","sentiment_score":0.47447673976421356,"channel":1,"num_words":4,"start":2512.781,"end":2513.921}]},"summary":{"result":"success","short":"Representatives from Okey Financial speak with Richard about his annual review and personal information. They suggest reassessing his portfolio and replacing underperforming investors with more defensive investments, and offer to review Richard's portfolio and make recommendations for him. The advisers discuss the benefits of insurance policies, income protection, and retirement plans, and emphasize the importance of protecting everything the customer holds. They also offer advice on risk tolerance and manageability for the customer's portfolio. The speaker emphasizes the importance of reducing fees and maintaining the portfolio to make it more manageable for the customer. They also offer a free financial review and a free financial review."},"intents":{"segments":[{"text":"Is now still a good time? Because if it's not, I could always reschedule. I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule. No. Look.","start_word":106,"end_word":146,"intents":[{"intent":"Reschedule meeting","confidence_score":0.24439386}]},{"text":"And just to do a really quick security check there with you as well, just because I'm discussing your personal information. Just to confirm your full name, your date of birth, and address that you have on file. Yeah.","start_word":270,"end_word":308,"intents":[{"intent":"Discuss personal information","confidence_score":0.008129072}]},{"text":"It's been out July 19 Yep. 98 And 6 Fenwick Street, Fanval. Beautiful.","start_word":311,"end_word":323,"intents":[{"intent":"Confirm attendance","confidence_score":0.0006543164}]},{"text":"So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there.","start_word":331,"end_word":354,"intents":[{"intent":"Review portfolios","confidence_score":0.30598223}]},{"text":"I I think so far it's been it's been good. So I haven't been overly too concerned, which is yeah. Yeah.","start_word":754,"end_word":774,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.03595764}]},{"text":"As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice. It's all part of the ongoing service so that you do pay for our services. Yeah. Okay?","start_word":1106,"end_word":1152,"intents":[{"intent":"Enhance services","confidence_score":0.00012054461}]},{"text":"46 930, plus your super balance on top of that can be paid out as well. That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625. In the event of you passing away, what is it that you what's your goal with regard to the insurance? What would you be wanting that money to cover?","start_word":1418,"end_word":1483,"intents":[{"intent":"Provide information","confidence_score":0.0068164845}]},{"text":"Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that?","start_word":1710,"end_word":1731,"intents":[{"intent":"Reevaluate coverage","confidence_score":0.013829347}]},{"text":"I'm more than happy to reevaluate it. These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well.","start_word":1786,"end_word":1816,"intents":[{"intent":"Evaluate policy value","confidence_score":0.039360065}]},{"text":"Your income I had noticed here at the moment was 84,000 last year. Are you still on the same income, or have you got any increase on that at all? Yeah.","start_word":2153,"end_word":2183,"intents":[{"intent":"Assess income coverage","confidence_score":0.042375427}]},{"text":"It's I'll a let tough them one know. because it's a tough one. It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future. It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim. No.","start_word":2504,"end_word":2557,"intents":[{"intent":"Provide insurance","confidence_score":0.02199324}]},{"text":"Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you? Yeah.","start_word":2642,"end_word":2696,"intents":[{"intent":"Clarify policy details","confidence_score":0.0013378084}]},{"text":"So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching.","start_word":3179,"end_word":3223,"intents":[{"intent":"Recommend income protection increase and investment switching","confidence_score":0.020553129},{"intent":"Recommend income protection increase and investment switching","confidence_score":0.0034676013}]},{"text":"Has anyone ever gone through trauma with you?","start_word":3295,"end_word":3302,"intents":[{"intent":"Discuss trauma experience","confidence_score":0.03000381},{"intent":"Offer assistance with trauma","confidence_score":0.0021420992}]},{"text":"Has anyone ever gone through trauma with you? What it is, how it works, how it's paid, what it covers? Sorry.","start_word":3295,"end_word":3315,"intents":[{"intent":"Understand implications of trauma","confidence_score":0.0000029437772},{"intent":"Clarify trauma treatment","confidence_score":0.01589289}]},{"text":"So trauma is like another type of insurance. It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's. Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that.","start_word":3319,"end_word":3377,"intents":[{"intent":"Explain trauma treatment","confidence_score":0.03631935},{"intent":"Explain trauma treatment","confidence_score":0.02602846},{"intent":"Explain trauma treatment","confidence_score":0.04492982}]},{"text":"Do you feel like it's something you would like to look at, or you're comfortable not considering trauma?","start_word":3500,"end_word":3517,"intents":[{"intent":"Recommend trauma treatment","confidence_score":0.0016745108},{"intent":"Convince about trauma treatment","confidence_score":0.00016475024}]},{"text":"I've got your income updated here as well, which is fantastic. Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments? No.","start_word":3821,"end_word":3864,"intents":[{"intent":"Educate about income","confidence_score":0.0005513603}]},{"text":"I see people going to Japan. Is that booked It is. for later this year? Or fantastic. This will be our third trip. Oh, fantastic.","start_word":3905,"end_word":3929,"intents":[{"intent":"Plan trip","confidence_score":0.0119493175}]},{"text":"And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment. That is something I would love to rectify.","start_word":4343,"end_word":4384,"intents":[{"intent":"Resolve estate planning issue","confidence_score":0.21879296}]},{"text":"And just confirming, does Courtney have the same surname as you, or what is what's her surname? No.","start_word":4591,"end_word":4608,"intents":[{"intent":"Confirm identity","confidence_score":0.0015133827}]},{"text":"So my team will place all the documents for you to make it easier when that comes through. We'll just need you to sign and have a witness. It just needs to be two witnesses over the 18. One of those cannot be Courtney.","start_word":4659,"end_word":4702,"intents":[{"intent":"Place documents","confidence_score":0.84956956}]},{"text":"then if you send it back to us, we'll have that applied. I will double check against your Clearview life policy to make sure that that is also applied and correct.","start_word":4705,"end_word":4735,"intents":[{"intent":"Apply policy","confidence_score":0.52905}]},{"text":"And just to confirm, there are a couple of different types of nomination that you can choose from.","start_word":4763,"end_word":4780,"intents":[{"intent":"Confirm nomination type","confidence_score":0.15481347}]},{"text":"So this may have to refill it every three years.","start_word":4936,"end_word":4945,"intents":[{"intent":"Request refill","confidence_score":0.0016938731}]},{"text":"we do help we do help you to review it. So not everyone wants to fill out the form again every three years.","start_word":5026,"end_word":5048,"intents":[{"intent":"Review form","confidence_score":0.6325047}]},{"text":"We wanna change that now, and we'll make sure we you out with Yeah.","start_word":5082,"end_word":5095,"intents":[{"intent":"Confirm form change","confidence_score":0.040216703}]},{"text":"I can also see here on your last back line, you've not really had a will and power of attorney set up. Is that something that you guys have talked about in the past?","start_word":5113,"end_word":5146,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.71768075}]},{"text":"And the other thing that's probably really important is also having, like, a guardianship set up.","start_word":5211,"end_word":5226,"intents":[{"intent":"Discuss guardianship","confidence_score":0.14891501},{"intent":"Discuss guardianship setup","confidence_score":0.033117197}]},{"text":"it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well. All good.","start_word":5295,"end_word":5324,"intents":[{"intent":"Discuss protecting assets","confidence_score":0.020044647}]},{"text":"The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets. I've got your cash in the bank. So you had some savings about 8,000 last year. Do you still have that in savings, or has that changed?","start_word":5325,"end_word":5375,"intents":[{"intent":"Double checking savings","confidence_score":0.15865377}]},{"text":"When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young. I don't project all the way out to retirement. I just look at the next five to ten years solely because there's too many things that could change in that time frame for you. But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully?","start_word":5564,"end_word":5643,"intents":[{"intent":"Retire fully","confidence_score":0.03771706}]},{"text":"Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity? Yeah.","start_word":6080,"end_word":6109,"intents":[{"intent":"Set up referral","confidence_score":0.027282773}]},{"text":"And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity?","start_word":6169,"end_word":6197,"intents":[{"intent":"Schedule call","confidence_score":0.23551899},{"intent":"Check borrowing capacity","confidence_score":0.077929564}]},{"text":"The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you.","start_word":6318,"end_word":6345,"intents":[{"intent":"Discuss risk profile","confidence_score":0.22296982}]},{"text":"Where do you think you fit yourself?","start_word":6419,"end_word":6425,"intents":[{"intent":"Determine fit","confidence_score":0.13144493}]},{"text":"Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip? Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure? How do you think you might fit into that category? Look.","start_word":6490,"end_word":6566,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0660198}]},{"text":"In saying that, do you feel you're comfortable in that growth environment at the moment? Yeah.","start_word":6939,"end_word":6954,"intents":[{"intent":"Evaluate portfolio comfort","confidence_score":0.054670874}]},{"text":"There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through.","start_word":7218,"end_word":7262,"intents":[{"intent":"Recover money","confidence_score":0.040317055}]},{"text":"I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you. Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you. How does that sound?","start_word":7306,"end_word":7372,"intents":[{"intent":"Improve portfolio","confidence_score":0.062751465}]},{"text":"Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you. How does that sound?","start_word":7332,"end_word":7372,"intents":[{"intent":"Reduce fees","confidence_score":0.31215817}]},{"text":"Well, I've got your ongoing service agreement in there for you. You do pay an ongoing service fee of 1.65 percent for our services. That's Yeah.","start_word":7435,"end_word":7460,"intents":[{"intent":"Check agreement","confidence_score":0.0011427705}]},{"text":"All of those documents I've gone through are in there, and our financial services guide is also attached for you.","start_word":7484,"end_word":7503,"intents":[{"intent":"Update documents","confidence_score":0.60243297}]},{"text":"In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up?","start_word":7504,"end_word":7550,"intents":[{"intent":"Update advice","confidence_score":0.06407393}]},{"text":"What would you like to see down the track, or you're just happy with a review once a year?","start_word":7551,"end_word":7569,"intents":[{"intent":"Schedule review","confidence_score":0.063335136}]},{"text":"Is there you sort of said after 05:00. Is there a day next week that might be more preferable for someone to give you a call late in the Yes.","start_word":7802,"end_word":7831,"intents":[{"intent":"Schedule call","confidence_score":0.4333137}]}]},"sentiments":{"segments":[{"text":"Hello. Richard speaking. Hi, Richard. It's Dana from Okey Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.16524988412857056},{"text":"Good. Thank you. Yourself? I'm very well. Thank you. Thanks for asking.","start_word":15,"end_word":26,"sentiment":"positive","sentiment_score":0.569065272808075},{"text":"I had people think that they go through the annual review. Is now still a good time there for you? Yeah. No. Now or never really. No. That's okay. You're fine. Now that you've got a bit going on in the background there. Yes. Yeah. He's been trapped inside all day, and he's keen to to get out. Poor thing. I feel so I feel I understand. It's Yeah. all good. We all Is can. now still you're right. Is now still a good time? Because if it's not, I could always reschedule. I also do work later at night or can do things early in the morning for you if it's easy to work around your schedule. No. Look. Any anytime's That's never gonna good. really be a good time, to be honest. It's it's just yeah. Yeah. No. That's okay. That's completely understandable. Well, let's sort of jump into things so I don't take up too much of your time. If you do happen to need to take a break or you need me to stop, just go, hey. Stop, you know, shut up for a second, and I'll I'll happily stop there for you. Okay? Yep. Yeah. And all good. Oh, good. Easy. And, Richard, before we end the call, just to let you know we do record our calls for quality and training purposes. Are you okay for us to proceed with that? Yeah. No. That's fine. Yep.","start_word":27,"end_word":268,"sentiment":"neutral","sentiment_score":0.027962753549218174},{"text":"Fantastic.","start_word":269,"end_word":269,"sentiment":"positive","sentiment_score":0.414122462272644},{"text":"And just to do a really quick security check there with you as well, just because I'm discussing your personal information. Just to confirm your full name, your date of birth, and address that you have on file. Yeah. Richard Peachey. It's been out July 19 Yep. 98 And 6 Fenwick Street, Fanval.","start_word":270,"end_word":322,"sentiment":"neutral","sentiment_score":0.10356127470731737},{"text":"Beautiful. Thank you so much for that.","start_word":323,"end_word":329,"sentiment":"positive","sentiment_score":0.6022560596466064},{"text":"So, Richard, I do also send through your annual review documents to you so you can review them as I'm going through them there. I know I don't know if now is a good time for you to access your emails. Did you wanna pull up the email to go through things, or did you want me just to run through things and you can have a look at it later when you've got more time there? What would Yeah. you You prefer? can run through it. That's fine. I I think that's pretty much Yeah. what I've done all all the time. Yeah. Yeah. Yeah. You've had a few of these. You know how they Yes. kind of go. Yeah. Yeah. Yes.","start_word":330,"end_word":452,"sentiment":"neutral","sentiment_score":0.06746254861354828},{"text":"That's absolutely fine.","start_word":453,"end_word":455,"sentiment":"positive","sentiment_score":0.48231953382492065},{"text":"I've sent the email through so it is there when you do get a chance to have a look at them later. But just to give you an update on your state for this, your balance this time last year, you were at a 120,472 and 59<unk>. Looking at your balance now, you're up to a 142,695 and 53.","start_word":456,"end_word":516,"sentiment":"neutral","sentiment_score":0.20089440047740936},{"text":"So we have seen some growth there, which is good.","start_word":516,"end_word":526,"sentiment":"positive","sentiment_score":0.5535211563110352},{"text":"The market has been a lot of ups and downs to see with everything that's been going on globally there.","start_word":526,"end_word":546,"sentiment":"neutral","sentiment_score":-0.12397605925798416},{"text":"But your portfolio has a net after aftersea return of 7.37%, which is actually quite good for how we've been traveling there.","start_word":546,"end_word":568,"sentiment":"positive","sentiment_score":0.4352179169654846},{"text":"I have had a bit of a look at your portfolio there. One of your underlying investors, and while you have seen a really good return, everything is working really well, I have seen some changes I would like to make to your portfolio. You have got one of your underlying investments, the Benelon Australian Equity. That was originally put into your portfolio as more of an actively managed fund. The idea of an active fund is that the fund manager is trying to outperform the market, but this investment hasn't been able to do so. And while you've still seen a really good return, I think your portfolio could have done a bit better. Would you like me I would love to if you gave me the opportunity to do so, go back and have a look at your investments, maybe reassess your super, and do a bit of a switch and look at what we can maybe replace things with to keep it working a bit harder moving forward. Would you be open to that, and do you have any questions? No. That's fine. Look.","start_word":568,"end_word":753,"sentiment":"neutral","sentiment_score":0.08126671231722318},{"text":"I I think so far it's been it's been good.","start_word":754,"end_word":763,"sentiment":"positive","sentiment_score":0.39825302362442017},{"text":"So I haven't been overly too concerned, which is yeah. Yeah. Yeah. No. That's okay. And where you are at the moment, with the kind of portfolio you're in, it's more of a growth environment. So whilst we wanna get the best returns we can, I'd love to see you getting, you know, a twelve, thirty, 20% return as often as possible, but we know with market fluctuations, it's not always possible. So with Yes. the growth Yeah. portfolio, you're kinda hoping to achieve a compounded return of about seven to 9% on a yearly basis.","start_word":764,"end_word":859,"sentiment":"neutral","sentiment_score":0.10524331778287888},{"text":"So to receive that return you've got this year, net of fees, is still really good.","start_word":860,"end_word":875,"sentiment":"positive","sentiment_score":0.4686511754989624},{"text":"It's within the range you're expecting even at a low point, but I still wanna see things do a little bit better. And I think with you having been in this portfolio for a little bit now, it might be good to go back, reevaluate some things. I can also see in here you also got the bank hybrid. These were putting your portfolio as more of a defensive investment. They are more of a complex kind of investment as well. And moving down the track in the next couple of years, the government is moving to phase those out. So I would love to take that out, replace that investment now while we can, and also move any underperforming investors. And maybe just do a a rebalance to your investment portfolio and see if we can keep it working a bit harder for you. Are you open to me doing that for you? Yeah. No. That's fine. Yeah.","start_word":876,"end_word":1034,"sentiment":"neutral","sentiment_score":0.06989522278308868},{"text":"Beautiful. Beautiful.","start_word":1035,"end_word":1036,"sentiment":"positive","sentiment_score":0.5171753764152527},{"text":"I did the review of your portfolio before, and I was like, look.","start_word":1037,"end_word":1049,"sentiment":"neutral","sentiment_score":0.1332891583442688},{"text":"I think we can do some better things here, and it's good Yeah.","start_word":1050,"end_word":1062,"sentiment":"positive","sentiment_score":0.629289448261261},{"text":"to keep updating that as markets do change as well. Those investments that were good a couple of years ago might need to be changed down the track here.","start_word":1063,"end_word":1091,"sentiment":"neutral","sentiment_score":0.18293699622154236},{"text":"So I'm happy to go back and do that for you if you're comfortable.","start_word":1092,"end_word":1105,"sentiment":"positive","sentiment_score":0.6135706305503845},{"text":"As part of what we do as advisers is to keep advising and keep things going and working for you, so there's no additional implementation fees for doing this advice. It's all part of the ongoing service so that you do pay for our services. Yeah. Okay? Yep.","start_word":1106,"end_word":1153,"sentiment":"neutral","sentiment_score":0.24689729511737823},{"text":"Beautiful.","start_word":1154,"end_word":1154,"sentiment":"positive","sentiment_score":0.4704947769641876},{"text":"That is a lot, and I'm so sorry. But do you have any questions? Have any questions come up out of any of that at all? Not not really. Look. I I guess, you know, it's just it's it's it's understanding the market, which is, you know, unfortunately, not Yeah. not my cup of tea. Yeah. And it is what it is. But, look, I I do jump on on the app every now and again and and have a look and but I've I've never had any problems with how it's been growing. So yeah. No. Yep. Beautiful. All No. happy.","start_word":1155,"end_word":1256,"sentiment":"neutral","sentiment_score":0.03465304896235466},{"text":"That's fan fantastic.","start_word":1257,"end_word":1259,"sentiment":"positive","sentiment_score":0.42423343658447266},{"text":"Well, I'll make sure I look after you.","start_word":1260,"end_word":1267,"sentiment":"neutral","sentiment_score":0.2162087857723236},{"text":"And part of what I love about being an adviser is the educational value there.","start_word":1268,"end_word":1282,"sentiment":"positive","sentiment_score":0.3333602547645569},{"text":"So please let me know if you do have questions. Do you wanna understand something a little bit more? Let me know.","start_word":1283,"end_word":1304,"sentiment":"neutral","sentiment_score":0.11725767701864244},{"text":"I'm more than happy to break it down and help you out. One of the things I love about being an adviser as well.","start_word":1305,"end_word":1328,"sentiment":"positive","sentiment_score":0.4014245271682739},{"text":"Okay. Yeah. Easy. Yeah. No.","start_word":1329,"end_word":1333,"sentiment":"neutral","sentiment_score":0.18701088428497312},{"text":"Awesome. Fantastic.","start_word":1334,"end_word":1335,"sentiment":"positive","sentiment_score":0.4427029490470886},{"text":"Now the other thing that sort of goes through is the insurance aspect here. So with your insurances, you've got a Clearview insurance policy there. You've got your life and TBD. The current sum insured for those is 746,930. So when we look and we break the insurances down, as an example, and I never want you to have to claim on them, but if you were to then pass away today, your life benefit is paid out with a $7. 46 930, plus your super balance on top of that can be paid out as well. That essentially leaves you with a total life balance between or life a life benefit between the two of about 889,625. In the event of you passing away, what is it that you what's your goal with regard to the insurance? What would you be wanting that money to cover? Well, I guess, just to cover off my I guess, any debt that's outstanding, essentially. Yep. Yep. Beautiful. So having a look at the debt, I've got down here your main primary residence. Last valuation was 515,000 last year, but it looks like you have no debt on that property. Is that correct? We still owe about 360,000. Okay. No problem. I will just pop that in there. Sorry about that. I was Yeah.","start_word":1336,"end_word":1555,"sentiment":"neutral","sentiment_score":0.05206296090036631},{"text":"getting a bit excited that Fuck.","start_word":1556,"end_word":1561,"sentiment":"negative","sentiment_score":-0.33891117572784424},{"text":"you owned your property I outright. wish. All good. And what's the value would you put on the property at the moment? Just sorry. I guess 780,000. Yep. Yep. Beautiful. Lovely. So if we were to look at the debt, sir, do you have any other car loans or credit cards or anything that would have to be paid off as well with maybe that life benefit? No. That that's just it. Yeah. Nope. That's okay. So if we looked at paying off the debts there, it essentially would leave after clearing your mortgage free and clear about 529,000. That could be then provided to your partner so your kids could be looked after, you know, if you continue living and take some time off to work at what they wanted to do, maybe, you know, look replace your income for a period of time as well. Do you feel like that amount of cover you have is sufficient, the $7.46 $9.30, or did you wanna kinda reevaluate that? I I think it's enough, but that's probably just because I'm better with money. Yeah. That's perfect. Okay.","start_word":1562,"end_word":1748,"sentiment":"neutral","sentiment_score":-0.018845364451408383},{"text":"That's absolutely that's very valid.","start_word":1749,"end_word":1753,"sentiment":"positive","sentiment_score":0.408928245306015},{"text":"Not a problem at all. Easy. But we can leave it as is. If you ever decide you wanted to kinda come and look at that, please let me know.","start_word":1754,"end_word":1783,"sentiment":"neutral","sentiment_score":0.1587163209915161},{"text":"I'm more than happy to reevaluate it. These sorts of policies do also get more not only more and more expensive, but they do increase in value every year as well.","start_word":1784,"end_word":1814,"sentiment":"positive","sentiment_score":0.459773451089859},{"text":"So the policy goes through renewal, and the sum insured is indexed. Supposed to be keeping up with DPI. It does also mean the premiums get more expensive as well. So we will keep checking them with you to make sure that the level of cover is appropriate, but that you're also not paying too much as you're super there as well. Okay? Yes. Yep.","start_word":1815,"end_word":1879,"sentiment":"neutral","sentiment_score":0.2300025224685669},{"text":"Excellent.","start_word":1880,"end_word":1880,"sentiment":"positive","sentiment_score":0.5204281806945801},{"text":"You do have the same level of of PVD as you do of life. Now I don't know if anyone's kind of gone through with you, but PVD, if you claim PVD and it is paid out to you and you're under the age of 60, unfortunately, it is a taxable payment. Tax is deducted from the withdrawal at up to 22%. It could be less than that. And as advisers, we would provide advice on how to limit the tax or how to keep the money working as long as possible. I wholeheartedly disagree that it should be taxable. I think if you're Yes. disabled and not able to go to work, you should not be paying tax on that money.","start_word":1881,"end_word":2002,"sentiment":"neutral","sentiment_score":-0.05603968724608421},{"text":"That's terrifying.","start_word":2003,"end_word":2004,"sentiment":"negative","sentiment_score":-0.45411720871925354},{"text":"But you have the same level of cover. And with TBD, again, if you are totally incapacitated, we can also claim that against this Uber. So it means before the tax side of things, you could receive up to 800 oh, sorry. 889,625 again. Do you feel like that between your TCD and your super is enough currently? Did you wanna look at that again, or do you have any questions? No. I I think it's fine. Like, I I guess you never really know what what will happen. And I guess at the moment, it seems like it's it's sufficient enough. Yeah. Correct. Yep.","start_word":2005,"end_word":2109,"sentiment":"neutral","sentiment_score":0.006592175457626581},{"text":"That's absolutely fine. That's not a problem at all.","start_word":2110,"end_word":2118,"sentiment":"positive","sentiment_score":0.39336633682250977},{"text":"The other thing you've got here is your income protection. Your income protection can cover up to 70% of your free tax income if you're off work due to illness or injury. Your income I had noticed here at the moment was 84,000 last year. Are you still on the same income, or have you got any increase on that at all? Yeah. No. It's it's gone up since since that last yeah. Yeah. That's okay. What are you on now? I am 130,000. 130,000. Okay.","start_word":2119,"end_word":2204,"sentiment":"neutral","sentiment_score":0.041425204575928146},{"text":"That's a pretty big jump. That's fantastic, though.","start_word":2205,"end_word":2212,"sentiment":"positive","sentiment_score":0.5746809244155884},{"text":"Oh, just luck of the draw, I guess, a little. No. I'm sure you're worth it.","start_word":2213,"end_word":2228,"sentiment":"neutral","sentiment_score":0.0974299982190132},{"text":"I All like good.","start_word":2229,"end_word":2232,"sentiment":"positive","sentiment_score":0.4003778398036957},{"text":"to think Now I having am. a absolutely. You are. Definitely. The income protection benefit you have at the moment, me, shows that your some insured that you could claim pretax is 4,961 on a monthly basis. What was that one? Sorry. Based on your current sorry. It's $4,961 on a monthly basis. Is that my jet, was it? That's the income protection monthly benefit that you're Okay. insured Sorry. for. Sorry. Yep. No. No. You're No. alright. You're fine. I'm so sorry. I was having a cough. I do apologize about that. So at the moment with the the income protection policy you have, your current sum or monthly benefit you're insured for means that the amount you can claim up to if you're off work is $4,961 on a monthly basis. Based on your income of being on a 130,000 per annum, to be covered for the maximum amount you can claim on, you'd have to be covered for 7,583 as a monthly benefit. It is quite a difference there. If you think about what you are actually insured for that $4.09 $6.01, if you were getting that, and that's pretax. So if you think about the tax on that, you'd probably be getting a little over $4 on a monthly basis, plus any other income or savings that you have. Do you feel like that's sufficient if you were on an income protection claim? Did you wanna maybe look at reviewing the amount? Yeah. Look. It probably wouldn't be enough anymore. Yep. Just quickly opening up my my budget. My old one is there. Damn it. Yeah. It's I'll a let tough them one know. because it's a tough one. It's hard to kinda work out what you'd what you'd realistically need to be able to claim on in the future. It's like you're kinda protecting yourself against the risk of something occurring, hoping that you never have to claim. No. That's right. And, look, I guess, originally, I I budgeted everything off by, I guess, my previous income, which wasn't the 80,000. I did get a pay rise in between there, which was a 110,000. And I guess what's my total debt? Yeah. It's a lot more than it was back then. So I I guess yeah. Look. Even, like, 7,000 a month would cover all my debt, but that's also not making any, I guess, any sacrifices in that time. Yep. That's okay. Did you want me to look at maybe increasing your income protection policy in line with that 70% that you're able to be covered for just to make sure in the event of being on an income protection claim, you can essentially, you know, claim the maximum amount to make it easier on you? Yeah. Yeah. Yeah. No. That's fine. Yep. Yep.","start_word":2233,"end_word":2702,"sentiment":"neutral","sentiment_score":-0.009879459797384893},{"text":"Beautiful. Excellent. Thank you for that.","start_word":2703,"end_word":2708,"sentiment":"positive","sentiment_score":0.5843299031257629},{"text":"With your income protection policy, you do have a thirty day waiting period and a five year benefit period. So you would only have to be off work for thirty days prior to making a claim and then off work for about five you can be off work for five years. You can be on a claim for up to five years. At that five year mark, if you still can't go back to work, the claim stops regardless. So it's always at risk of how long you could be on an income protection claim for. You can also increase it to age 65. Admittedly, that does make the policy a lot more expensive again. So it's more just juggling how long do you think you would need to be on a claim for if something was to occur. A five year benefit is good because most claims are finished within the first year or two. And if you can imagine, insurance companies, they don't really wanna pay the claim for a long time. So as soon as you're off work, they're finding out how they can get you back to work as quickly as possible. So Yeah. Look. I I do you guess feel that's it. So you're like, you're look. right. Even with my job role, look. I I guess I'm pretty I'm 90% office space now versus where I was Mhmm. prior. It had to be Yep.","start_word":2709,"end_word":2948,"sentiment":"neutral","sentiment_score":-0.02787315067835152},{"text":"quite a severe injury to take me off for a Yeah.","start_word":2949,"end_word":2959,"sentiment":"negative","sentiment_score":-0.33540141582489014},{"text":"long period of Yep. time. Yeah. Yep. I No. guess, what That's okay. what's That's the longest perfect. longest, like, sort of payout time? You well, the longest you can have a claim going for is age 65. What Those would be premiums the sorry. do I'm at become the shortest. quite Sorry. expensive.","start_word":2960,"end_word":3013,"sentiment":"neutral","sentiment_score":-0.05743131786584854},{"text":"That was my bad.","start_word":3014,"end_word":3017,"sentiment":"negative","sentiment_score":-0.3482930362224579},{"text":"You're right. This order is just two years. You can have a two year benefit period or a five year benefit period or to age 65. Yeah. Look.","start_word":3018,"end_word":3045,"sentiment":"neutral","sentiment_score":0.04611032083630562},{"text":"I'm happy to go down to two years because I know that will bring Yep. down a premium.","start_word":3046,"end_word":3063,"sentiment":"positive","sentiment_score":0.5094552040100098},{"text":"And I guess just with my industry, all my work, Mhmm. it it's not really manual handling or anything like that. So there's no real, I guess, concern that I wouldn't go back to work pretty pretty soon, and I I already Okay. work three days from home. So Yeah. Yep.","start_word":3064,"end_word":3114,"sentiment":"neutral","sentiment_score":0.12460074573755264},{"text":"That's absolutely fine. So you're happy for yep.","start_word":3115,"end_word":3122,"sentiment":"positive","sentiment_score":0.6076248288154602},{"text":"me to look at increasing the monthly benefit in line with that income of a 130,000, but decrease the benefit period for For two you to years? two years to keep it cost effective? Yeah. Yep. Yes. Yeah.","start_word":3123,"end_word":3160,"sentiment":"neutral","sentiment_score":0.20855951309204104},{"text":"Absolutely. What I'll do is I will include that into the advice piece there for you.","start_word":3161,"end_word":3176,"sentiment":"positive","sentiment_score":0.4026550352573395},{"text":"So, essentially, what it means is I'll do the super side of things as well, but then I'll include the income protection increase and your insurances as a whole so we can show you what we're recommending with your super and with the investment switching. But then we'll also show you what we're recommending with the increase of the income protection, how that looks, how that is projected over the next ten years, and how that sort of affects you. Does that sound okay? Yeah. Yeah. No. That's fine. Yep.","start_word":3177,"end_word":3266,"sentiment":"neutral","sentiment_score":0.0977104753255844},{"text":"Fantastic. Excellent.","start_word":3267,"end_word":3268,"sentiment":"positive","sentiment_score":0.6011775732040405},{"text":"Now you probably you seem like you're pretty across insurances as a whole. You don't have any other types of personal insurances like, say, trauma. Has anyone ever gone through trauma with you? What it is, how it works, how it's paid, what it covers? Sorry. No. That's okay. So trauma is like another type of insurance. It tends to pay out a lump sum pack free benefit if you are diagnosed with a major traumatic condition, so things like stroke, heart attack, cancers, you know, Parkinson's. Diabetes is often one if it's, like, a really severe case and you can't go to work and things like that. Trauma, unlike income protection, doesn't have a waiting period. It doesn't have a work test either. So trauma pays out as an example, like, if you got cancer and say you were still able to go to work, you can't claim more in income protection because you don't meet the waiting period, but you can claim on that trauma policy. Some people have trauma to kind of fill in the gap of that waiting period for income protection. The downside of trauma is that unlike your life saving income protection, you can't pay for inside super. It has to be out of your back pocket. So a lot of people tend to not have trauma because of the expenditure side of things. Do you feel like it's something you would like to look at, or you're comfortable not considering trauma? What would you how do you feel does it fit for you? Yes. So now it's fine. Like, I'm I'm not too too Yep. concerned. Yeah. Yep.","start_word":3269,"end_word":3543,"sentiment":"neutral","sentiment_score":-0.09827974026853388},{"text":"That's absolutely fine. Not a problem at all.","start_word":3544,"end_word":3551,"sentiment":"positive","sentiment_score":0.4474662840366363},{"text":"We'll make sure that we just kinda raise that with you each year. If you ever find you do wanna come back to that, please let me know.","start_word":3552,"end_word":3579,"sentiment":"neutral","sentiment_score":0.2649003565311432},{"text":"It's not a problem at all.","start_word":3580,"end_word":3585,"sentiment":"positive","sentiment_score":0.37485870718955994},{"text":"Okay?","start_word":3586,"end_word":3586,"sentiment":"neutral","sentiment_score":0.25205570459365845},{"text":"Yeah. Awesome.","start_word":3587,"end_word":3588,"sentiment":"positive","sentiment_score":0.4764551818370819},{"text":"In the in the email I do have there for you, you have your I have 24 performance of support. It's also got a summary of your superannuation balance and insurances, and it's also got a run through of your Clearview certificate of currency that runs through the insurances as I've gone through and kind of breaks down that for you as well. Okay? Yeah. Yeah.","start_word":3589,"end_word":3654,"sentiment":"neutral","sentiment_score":0.24066665768623352},{"text":"Excellent.","start_word":3655,"end_word":3655,"sentiment":"positive","sentiment_score":0.41391271352767944},{"text":"Just to kinda go through and update a couple of details of your circumstances. So I've updated a few things here already for you. Just with your job role, I've got down here that your occupation is first aid. Is that still considered your occupation, or what's your occupation now? Health and safety manager. Yep. Manager.","start_word":3656,"end_word":3711,"sentiment":"neutral","sentiment_score":0.13665415346622467},{"text":"Lovely. Excellent.","start_word":3712,"end_word":3713,"sentiment":"positive","sentiment_score":0.3841469883918762},{"text":"And you said that you work from home about three days a week as well? Yes. Yeah. Yes. Fantastic. Do you have to do much in the way of travel for your work? Yes. You do? Yep. Yeah. No. That's okay. All good. And you mentioned that you're about 9% off the space. Is that right? Pretty much. Like, I guess that that's my my my biggest role. Regardless of where I am, it's all pretty much office sort of work. So whether I'm working from home or working in the office, it's all still office. Yep. Yep.","start_word":3714,"end_word":3811,"sentiment":"neutral","sentiment_score":0.05330635607242584},{"text":"That's absolutely perfect. Fantastic. Thank you for that. I've got your income updated here as well, which is fantastic.","start_word":3812,"end_word":3830,"sentiment":"positive","sentiment_score":0.4622708857059479},{"text":"Are you guys managing to put much of the way of savings away on a regular basis, or you're finding that most of income is going out towards expenses and mortgage repayments? No. I think we do quite well with our savings. We budget Yep. for a holiday as well, so that that's that goes well, and it's not cheap going to Japan. So yeah. No. No. Very popular at the moment. I see people going to Japan. Is that booked It is. for later this year?","start_word":3831,"end_word":3917,"sentiment":"neutral","sentiment_score":0.004052000441427888},{"text":"Or fantastic. This will be our third trip. Oh, fantastic. That's amazing.","start_word":3918,"end_word":3929,"sentiment":"positive","sentiment_score":0.5384023785591125},{"text":"I have not been to Japan yet.","start_word":3930,"end_word":3936,"sentiment":"neutral","sentiment_score":0.2665996551513672},{"text":"I've done a lot of other places, but not Japan, but everyone tells me it's incredible.","start_word":3937,"end_word":3952,"sentiment":"positive","sentiment_score":0.364419162273407},{"text":"Yes. Yes. It is.","start_word":3953,"end_word":3956,"sentiment":"neutral","sentiment_score":0.2962576746940613},{"text":"Then oh, fantastic.","start_word":3957,"end_word":3959,"sentiment":"positive","sentiment_score":0.3686960339546203},{"text":"If you had to quantify your sort of savings on a weekly, fortnightly, or monthly basis, how much do you think you sort of put away? I guess, on average, probably about $141,500 a month. Yep.","start_word":3960,"end_word":3995,"sentiment":"neutral","sentiment_score":0.08716916292905807},{"text":"Beautiful. Excellent.","start_word":3996,"end_word":3997,"sentiment":"positive","sentiment_score":0.5753143429756165},{"text":"And now just sort of double checking. It doesn't look like you're making any additional contributions to Super at the moment, over and above your normal employer. Normal employer. Are you open to wanting to make additional contributions to super and maybe look at salary sacrificing or anything other than the normal employer ones, or are you sort of not concerned to do that using money for other things? What's your sort of thoughts around that? Yeah. No. Pretty pretty I guess, like, all the money, extra money we One just second. saved to to go into Japan, really. Yeah. That's absolutely fine. Yeah. Not a problem at all. Easy. I was Yeah. asked the question, but, honestly, your answer is completely fine. And, look, you're you're young. You're whole you've got a family, so those memories are just as important, honestly. Yes. Yes. We've got plenty of time. You're honestly, you're the same age as me, so do not worry. We are still plenty young. Yes. We have a lot of time ahead of us to be able to, a, make those memories, but then they come back later on and start making salary sacrifice and additional contributions and build super. The other benefit we have is that we've had super since we basically started our working life, whereas a lot of people who are retiring now didn't have super for majority of their working life or didn't start working till later. And super wasn't a thing until the early nineties. It wasn't compulsory.","start_word":3998,"end_word":4252,"sentiment":"neutral","sentiment_score":0.04342589154839516},{"text":"So we've kind of started working with super almost at its highest rate, and we've had super for most of our work in life, which is gonna give us a greater super in retirement down the track.","start_word":4253,"end_word":4289,"sentiment":"positive","sentiment_score":0.5113170146942139},{"text":"So there's no need Yeah. to stress or worry about the sales tax. We can always come back and look at that down the track. There's no time there's no too late to start. Starting whenever it's comfortable for you is probably the most important aspect. Okay? Yes. Yeah.","start_word":4290,"end_word":4338,"sentiment":"neutral","sentiment_score":0.24065466225147247},{"text":"Excellent. All good.","start_word":4339,"end_word":4341,"sentiment":"positive","sentiment_score":0.6306231617927551},{"text":"And just looking at the estate planning side of things here as well, I'm just looking here, Steve, but I can see you don't have a beneficiary nomination on file there at the moment. That is something I would love to rectify. So it is really important that we have a beneficiary nomination on file because your super is not an automatic estate asset. So in the event of you passing away currently without having a beneficiary on file, it means that your super has to go through its own kind of probate, which can hold the money back and make it harder to, you know, have paid off to your family for them to be looked after. Just confirming and are you happy for my team to maybe pre fill the document as much as possible for you to assist in getting that completed and and applied? Yeah. That's fine. I I remember getting the letter, Yes. and I I left it in front of me for a while, and then I just never never filled it. No. That's okay. That's okay. That's why I kind of go and look. I'm gonna I really wanna get this done for you, but I will help you by getting my team to fill it out. We just need approval from you to do so. Can I just ask, I'm assuming you would like the the funds to be paid out to Courtney? Is that correct? Yes. Yep. Yes.","start_word":4342,"end_word":4588,"sentiment":"neutral","sentiment_score":0.06910199671983719},{"text":"Beautiful.","start_word":4589,"end_word":4589,"sentiment":"positive","sentiment_score":0.33368057012557983},{"text":"And just confirming, does Courtney have the same surname as you, or what is what's her surname? No. So Saneco, s a n e c o. Easy. Oh, fantastic. Just so I do that correctly. And same residential address as yourself? Yes. Yep.","start_word":4590,"end_word":4632,"sentiment":"neutral","sentiment_score":0.08069135993719101},{"text":"Fantastic.","start_word":4633,"end_word":4633,"sentiment":"positive","sentiment_score":0.4440922737121582},{"text":"And a hard question, what is Courtney's date of birth? Thirty first of the third nineteen ninety. Yep. 1990.","start_word":4634,"end_word":4652,"sentiment":"neutral","sentiment_score":0.0012584659270942211},{"text":"Fantastic. Thank you for that. So my team will place all the documents for you to make it easier when that comes through.","start_word":4653,"end_word":4675,"sentiment":"positive","sentiment_score":0.5427871346473694},{"text":"We'll just need you to sign and have a witness. It just needs to be two witnesses over the 18. One of those cannot be Courtney. And Yes. then if you send it back to us, we'll have that applied. I will double check against your Clearview life policy to make sure that that is also applied and correct. If it's not, I'll make sure we get that appraisal, that beneficiary nomination for you as well. Does that sound okay? Yeah. No. That's fine. Yep.","start_word":4676,"end_word":4760,"sentiment":"neutral","sentiment_score":0.11813610047101974},{"text":"Fantastic.","start_word":4761,"end_word":4761,"sentiment":"positive","sentiment_score":0.5005667209625244},{"text":"And just to confirm, there are a couple of different types of nomination that you can choose from. The first type is a nonbinding nomination. Essentially, by ticking that box, it means that you're telling the super funds that you would like the benefit to be paid to Courtney in the event of something happening. However, at the time of passing, the trustee gets to decide whether they follow your direction or not. You can also have it as a binding nomination, which the trustee has to follow your direction, but you have to keep signing that same form every three years. Or I can do it as a binding non lapsing nomination. It binds the trustee to follow your direction, and you only fill one form out. We never fill out another one unless you wanna revoke or change your beneficiary. Do you know which way you'd like me to go? I I I guess what what the sixth one, sir? I guess it gets reviewed every three years. Is that Yeah. So this may have to refill it every three years. You can choose the last one, have it binding nonlung thing if you like, because we do reviews with you every year, so we can keep bringing it up and checking correct that then? your nomination's Okay. correct. And when and if Yeah. you ever wanna revoke it, we can help you with that. Yeah. Yeah. Okay. We can do it. Yeah. Yep.","start_word":4762,"end_word":5007,"sentiment":"neutral","sentiment_score":0.07333885878324509},{"text":"Beautiful. Happy for you to go whichever way is more comfortable Yes.","start_word":5008,"end_word":5019,"sentiment":"positive","sentiment_score":0.4955392504731814},{"text":"for That's yourself, but yes. we do help we do help you to review it. So not everyone wants to fill out the form again every three years. And if there is any point that it has to be reviewed, because we bring it up every year and check it with you, you can always go, hey. No. That's not right. We wanna change that now, and we'll make sure we you out with Yeah. Yeah. that. No. That's fine.","start_word":5020,"end_word":5099,"sentiment":"neutral","sentiment_score":0.014762744307518004},{"text":"Fantastic. Well, I'll get those documents ready to go there for you.","start_word":5100,"end_word":5111,"sentiment":"positive","sentiment_score":0.41899779438972473},{"text":"I can also see here on your last back line, you've not really had a will and power of attorney set up. Is that something that you guys have talked about in the past? It's been mentioned, but nothing I've really been too too worried about. Yep. No. That's okay. It is definitely something to have a conversation about, especially having kids, and you've worked really hard. You've got your house and your savings and things like that. Doing up a a will and the power of attorney, just protect everything else that you've worked so hard for. And the other thing that's probably really important is also having, like, a guardianship set up. So if something was to happen to yourself and Courtney, what do you want to happen to the kids? How do you want the funds to be held, paid out? Who are you gonna look after the kids? There's quite a lot to sort of think about there. So it is definitely something to have that conversation. It's not a great conversation. I completely get that. But Yeah. it is definitely a good one to have to talk about protecting everything that you guys hold so dear and that you've worked so hard for as well.","start_word":5112,"end_word":5321,"sentiment":"neutral","sentiment_score":0.09825552999973296},{"text":"All good.","start_word":5322,"end_word":5323,"sentiment":"positive","sentiment_score":0.3888620734214782},{"text":"The last thing to kinda go through at the moment with this back line here is just double checking a couple of smaller assets. I've got your cash in the bank. So you had some savings about 8,000 last year. Do you still have that in savings, or has that changed? It's probably going up a little bit. I'm not I'd, you know, just probably Yeah. just say, like, 11,000, I guess. Yep. Yep.","start_word":5324,"end_word":5397,"sentiment":"neutral","sentiment_score":0.00030428757639350116},{"text":"That's absolutely fine. Beautiful.","start_word":5398,"end_word":5401,"sentiment":"positive","sentiment_score":0.5639429092407227},{"text":"And then the I've got your car down as well. You had a value on the vehicle of about 8,000 last year. Would you keep the value the same or change that? I mean, it's probably a little bit less now being it's age and how many cases it's done, but, yeah, Yeah. 8,000 is fine. $88,000 is fine.","start_word":5402,"end_word":5460,"sentiment":"neutral","sentiment_score":0.032596148550510406},{"text":"Not a problem at all. Beautiful.","start_word":5461,"end_word":5466,"sentiment":"positive","sentiment_score":0.38811302185058594},{"text":"And do you have any other cars, both caravans, any shares, cryptocurrency, or collections that you would put value on? No. None. No. That's okay. Another asset I would like to note down is contents as well. Do you have contents insurance? Yes. Yep. Do you know what value you would put on your contents or you have on your insurance policy? I think the insurance policy is at 75. That's Yep.","start_word":5467,"end_word":5538,"sentiment":"neutral","sentiment_score":0.04139049723744392},{"text":"Beautiful. Fantastic. Excellent. Well, thank you so much for updating those details there for me.","start_word":5539,"end_word":5553,"sentiment":"positive","sentiment_score":0.5901352763175964},{"text":"Just sort of double checking goal wise as well. When we are sort of looking forward, I when I do advise and I do the super side of things, I won't too young. I don't project all the way out to retirement. I just look at the next five to ten years solely because there's too many things that could change in that time frame for you. But long term wise, are you still wanting to what age are you sort of hoping to access super and retire fully? Are you sort of hoping the earliest age possible, or do you think you're likely to work to 65? What do you sort of think? Yeah. I don't know. I'll just say, like, if you're not to retire Hard. tomorrow. Yeah. But, yeah, I I guess you're nice. I look I guess at the moment, it's just 65 is is is not an unreasonable target. But, you know, Yeah. ideally, No. if I could Definitely done by not. 50, would it be even even better? Yep. Absolutely. So the earliest you're able to access super is 60. If you wanna look at retiring earlier, we'll definitely need to look at, you know, providing advice and building wealth outside of super either by way of, you know, a shared portfolio or contributing that way or investment properties and things like that. But if you get to 60 I mean, even if you keep the goal of 65 and you call me at 59 and go, yeah. I'm done.","start_word":5554,"end_word":5809,"sentiment":"neutral","sentiment_score":0.04241247540630866},{"text":"I wanna retire. We'll definitely make it happen. Look at what you need to live on and how that works for you and provide advice for suit. And I'm happy to keep 55 at the moment, and we'll just keep reviewing that as the time goes on for you.","start_word":5810,"end_word":5858,"sentiment":"positive","sentiment_score":0.5509000420570374},{"text":"Okay? Yeah.","start_word":5859,"end_word":5860,"sentiment":"neutral","sentiment_score":0.21751952171325684},{"text":"Yeah. Excellent. Do you have any other goals that you're looking to achieve over the next couple of years at all? I know you've got that trip to Japan, which is fantastic.","start_word":5861,"end_word":5892,"sentiment":"positive","sentiment_score":0.4466935992240906},{"text":"But any other goals that you're sort of looking to achieve? I guess we're looking at purchasing it soon shortly. And Yes. I I remember talking last time to the last person that we looked at using a a broker. But because I wasn't in my job long enough, they just said to hold off until I've been there for a while. And it's been quite a long time since I've had that discussion. So I was seeing if Yeah. we're able to re I guess, revisit it being I don't know if there's any more extra sort of push you guys are able to do. Yeah. Yeah. Absolutely. So the broker you may have spoken to a while ago would be different. He has retired. I've actually got Yeah. some other really great brokers that we can refer you through to if you're comfortable with me doing so.","start_word":5893,"end_word":6041,"sentiment":"neutral","sentiment_score":0.03376150503754616},{"text":"One of those is Fabian, who is honestly fantastic.","start_word":6042,"end_word":6050,"sentiment":"positive","sentiment_score":0.34046611189842224},{"text":"He can look at what your, you know, borrowing capacity is, look at whether borrowing now is appropriate or down the track and what you're sort of after. Would you like me to set up that referral for him to give you a call and talk about what you're after and maybe look at your borrowing capacity? Yeah. If we can, that's fine. Yeah. Absolutely. Not a problem at all. So with the email I send out, it goes to yourself and to Fabian. I just need permission from you to pop in your name, your email, your sorry. Contact phone number. Is that okay if I give him those personal details? Yeah. No. That's fine.","start_word":6051,"end_word":6166,"sentiment":"neutral","sentiment_score":0.10597802878453812},{"text":"Fantastic.","start_word":6167,"end_word":6167,"sentiment":"positive","sentiment_score":0.592130184173584},{"text":"And is there any sort of time or day that really suits for him to give you a call and have a chat and look at your borrowing capacity? Look. Around the same time as any time after 04:00 just seems to be good, but it's it's still After just a hit four and miss, PM. unfortunately. Yeah. No. That's absolutely okay. That's not a problem at all.","start_word":6168,"end_word":6235,"sentiment":"neutral","sentiment_score":0.06792120635509491},{"text":"I'll organize that for you.","start_word":6236,"end_word":6240,"sentiment":"positive","sentiment_score":0.34363675117492676},{"text":"No issues. I'll send a email this afternoon, so he'll probably just reply back to the email with, you know, just double checking the time and seeing a certain day you'd like call, but he'll always try.","start_word":6241,"end_word":6277,"sentiment":"neutral","sentiment_score":0.1958300024271011},{"text":"And they're really great. They'll have a look at your borrowing capacity, look at what you can do, and then, you know, definitely help with purchasing your property. Hopefully, you find what you're after. That'd be fantastic. Yes. Excellent.","start_word":6278,"end_word":6316,"sentiment":"positive","sentiment_score":0.5223907232284546},{"text":"The last thing I just wanted to touch on is just a quick risk profile questionnaire just to make sure the growth portfolio still suits there for you. I literally have filled most of it out already. The first question I wanna ask is when do you consider yourself taking on risk, are you happy taking on the highest level of risk to get the best returns you can? Are you considering yourself more of a medium risk taker but still wanting the best returns possible, or do you consider yourself maybe a lower risk taker understanding returns would be lower? Where do you think you fit yourself? I think I've always said, like, around the middle. Fine to take some The risks middle? because Yep. yeah. Yep. Perfect. If the markets did take a bit of a dip in the next sort of six to twelve months and we saw a 20 drop due to what was happening externally in the market, how do you think you might be feeling? Do you think you'd be comfortable or wanting to put more money into the market, taking advantage of the dip? Are you probably wanting to hold and wait, maybe speak to us and see what's happening and get a bit more guidance, or are you more a bit nervous and wanting to maybe sell the investments or move your money into something a bit more secure? How do you think you might fit into that category? Look. I guess being my age, I'm not too stressed on it.","start_word":6317,"end_word":6575,"sentiment":"neutral","sentiment_score":0.0225427432028886},{"text":"I'm just happy, I guess I guess, for a bit of guidance from from you guys.","start_word":6576,"end_word":6591,"sentiment":"positive","sentiment_score":0.3540290892124176},{"text":"Yeah.","start_word":6592,"end_word":6592,"sentiment":"neutral","sentiment_score":0.23042108118534088},{"text":"Absolutely. Fantastic.","start_word":6593,"end_word":6594,"sentiment":"positive","sentiment_score":0.5057929158210754},{"text":"And the last one here is is asking about would you ever consider borrowing money to invest in either shares or property? Do you consider yourself happy taking on more risk in order to borrow and invest in maybe a share portfolio, or do you consider yourself only comfortable borrowing money to save by property? How do you Yeah. see yourself bidding? I'd probably say I'm only comfortable really buying property. Property. Yeah. That's okay. Absolutely.","start_word":6595,"end_word":6670,"sentiment":"neutral","sentiment_score":0.05880571901798248},{"text":"Perfect.","start_word":6671,"end_word":6671,"sentiment":"positive","sentiment_score":0.439935564994812},{"text":"Now having a look at that one there, you have scored as a growth investor. So that is the portfolio that we do have you in at the moment that generally sees about 80% of you see the investment in growth assets, so things like Australian shares, international shares, listed property, and commodities, and then about 20% in low risk defensive investments, like cash, bonds, and fixed interest. As I kinda mentioned before, we're tracking to try and obtain a compounded annual return of between seven to 9% as an average, but you wanna get the best you can. So we know some years you'll get a seven or 9%. Some years it might be a one or 2%. Other years, it could be a 15 or 20%. It just depends on market reactions, but it's about investing through those through those ups and downs, continuously putting the money in and taking advantage of the downtime, allowing it to compound over the next sort of twenty years to get those good returns. It is always hard to know that they are negative to any portfolio, and that markets do see downtime. In this kind of environment, we'd expect the likelihood of a negative return about one in every five years. But because you're not able to access super until at least 60 at this point in time, it does suit your time horizon.","start_word":6672,"end_word":6904,"sentiment":"neutral","sentiment_score":0.055567268378105286},{"text":"And that growth portfolio suits someone who's not gonna touch that money for at least six years, so you've got absolutely more than double that time ahead Yeah.","start_word":6905,"end_word":6932,"sentiment":"positive","sentiment_score":0.4713406264781952},{"text":"of you at the moment. In saying that, do you feel you're comfortable in that growth environment at the moment? Yeah. No. I guess I mean, I guess Yes? there's there's no there's no issues being a little bit more aggressive at this point of time in my life. Mhmm. I'm not too concerned, to be honest. Yeah. No. That's it. That's okay.","start_word":6933,"end_word":6995,"sentiment":"neutral","sentiment_score":0.033682432025671005},{"text":"Yeah. That's absolutely fine. Yes. That's alright.","start_word":6996,"end_word":7002,"sentiment":"positive","sentiment_score":0.4187227487564087},{"text":"So when you think about the growth portfolio and you consider risk out of a number between one and five, five being really aggressive, a 100% in the market, and one being all in cash, you're seeing it about a three. So you're kind of not all aggressive, not all defensive. You're kind of in that middle range at the moment. Do you feel like that's where you are comfortable where you wanna be for the moment? Yeah. I mean, that definitely sounds more like yeah. Yeah. I'm more of me. Yeah. That's okay. There's definitely no wrong answer. In all honesty, I've got clients who are in their fifties who wear black and blue. They're high growth and aggressive, and we talk very often to make sure that they really are still high growth and aggressive knowing the risks of the downturn. I've also got clients that are your age and my age that don't feel very comfortable taking on risk and just wanna have that compounding return growing, and probably are a little bit less risky than yourself. But for your age group, your age and stage, being either growth or high growth is where we'd expect it as easy because you can take on that little bit of extra risk. There are gonna be downtime, but you you're not gonna access you can't access the money at the moment, so you've got that time to go through the ups and downs and allow your portfolio to recover back from anything that it is going through. If you were in your fifties and, honestly, about five or six years away from accessing your money, I would a 100% be saying pull back a bit more. But right now, that portfolio does generally suit where you're at age and stage wise. I definitely just wanna make some changes to your portfolio, maybe update things and see if we can keep it working a bit harder for you.","start_word":7003,"end_word":7330,"sentiment":"neutral","sentiment_score":0.1076553441561395},{"text":"Also, the portfolio that I'm thinking of putting you into is cheaper in investment fees as well, so I might be able to reduce your fees a little bit and keep more money working harder for you.","start_word":7331,"end_word":7367,"sentiment":"positive","sentiment_score":0.4498010575771332},{"text":"How does that sound? Yeah. No. That's fine.","start_word":7368,"end_word":7375,"sentiment":"neutral","sentiment_score":0.11847832053899764},{"text":"Yeah. All good.","start_word":7376,"end_word":7378,"sentiment":"positive","sentiment_score":0.4546096920967102},{"text":"I know I do go through a lot there, Richard. Do you have any questions or anything that you kinda wanted me to touch base on? I'm sorry. No. Not not really, I guess. It's it's it's it's all No. the same, I guess, essentially, and and yeah. Yeah. Yep.","start_word":7379,"end_word":7428,"sentiment":"neutral","sentiment_score":-0.010378269478678703},{"text":"That's absolutely fine. That's perfect.","start_word":7429,"end_word":7433,"sentiment":"positive","sentiment_score":0.5483499765396118},{"text":"Well, I've got your ongoing service agreement in there for you. You do pay an ongoing service fee of 1.65 percent for our services. That's Yeah. the yearly fee, and it's deducted in smaller monthly increments. They're the same as it has been for the last couple of years. All of those documents I've gone through are in there, and our financial services guide is also attached for you. In the next couple of months, did you want me to do a bit of a touch base and a catch up with you after we update the advice as well just to kinda do, like, a six monthly catch up or a three monthly catch up? What would you like to see down the track, or you're just happy with a review once a year? What would you like to Yeah. Look, I guess I'm happy with the the once once a year because at least it shows a bit of time and growth rather than if you I guess, if you catch up too regularly, it, you know, it doesn't show see? you, I Yeah. guess, the Yeah. whole Yeah. yeah. Yep. Absolutely. Not a problem at all. If that ever changes and you want something additional or you have any additional questions, please let me know. It's not a problem. In the meantime, I'll go back and do a bit of research there for you, look at your super, look at the income protection side of things. The other thing I do need to organize is I just need one of my admin team to give you a call because they're looking at the income protection. I need one of them to do a bit of a free assessment with you, just an updated questionnaire around your health just to make sure that when we go and look at increasing your income protection, we understand, you know, how it might be assessed by the insurance and what your health scenario looks like. Are you comfortable if I get someone to give you a call maybe next week and just run through a quick five minute free assessment with Yeah. No. That's fine. you? Yep.","start_word":7434,"end_word":7799,"sentiment":"neutral","sentiment_score":0.1400746920558273},{"text":"Fantastic.","start_word":7800,"end_word":7800,"sentiment":"positive","sentiment_score":0.3546634614467621},{"text":"Is there you sort of said after 05:00. Is there a day next week that might be more preferable for someone to give you a call late in the Yes. Just any time after after four is fine. afternoon. Yep. Absolutely. What if I get one of my team to give you a call maybe next Wednesday, say, 04:30, 05:00, or would that be a bit late? Yeah. No. It should be should be fine. Yeah. It's just it's just really see. Yep. Yeah. No. It'll be really quick.","start_word":7801,"end_word":7889,"sentiment":"neutral","sentiment_score":0.0481693260371685},{"text":"It's not a problem at all. My admin team is Samantha. She's absolutely beautiful. She'll give you a call, just run through that really quickly for you, and then I'll be able to use that to complete my research for you.","start_word":7890,"end_word":7930,"sentiment":"positive","sentiment_score":0.4805440604686737},{"text":"Not a problem. Yep. Easy.","start_word":7931,"end_word":7935,"sentiment":"neutral","sentiment_score":0.24706988036632535},{"text":"If it's okay, I'd love to book you in now to go through your advice document as well.","start_word":7936,"end_word":7953,"sentiment":"positive","sentiment_score":0.5427269339561462},{"text":"It takes me about two to three weeks to complete the research there. Is is that after 04:00? I can organize a time if you're comfortable with it. Sorry. Where are we? We are in August 6 today. I can do in three weeks on Tuesday, the twenty fifth, at 5PM. If that would be okay with you? Yeah. It should be fine. I don't know what's happening in that fine town, Yep. unfortunately. That's okay. What I'll do is I'll send a text message reminder there for you. So it'll send you a reminder to let you know I'll be giving you a call. If you find that doesn't suit, you can just let Yes. us know. We can happily reschedule that. Is that okay? Yeah. No. That's fine.","start_word":7954,"end_word":8083,"sentiment":"neutral","sentiment_score":0.07390578091144562},{"text":"Fantastic. We'll make sure we get that research all completed there for you. I will let you go, so thank you so much for your time. I really appreciate it, and I hope you have a good afternoon. Yeah. But thank you. You too. Talk to you next time. Thanks, Richard. Have a Alright. great afternoon. See you Cheers.","start_word":8084,"end_word":8142,"sentiment":"positive","sentiment_score":0.6457312703132629},{"text":"later. Bye. Bye.","start_word":8143,"end_word":8145,"sentiment":"neutral","sentiment_score":0.2309107780456543},{"text":"Thank you, sir. Bye.","start_word":8146,"end_word":8149,"sentiment":"positive","sentiment_score":0.5690656304359436}],"average":{"sentiment":"neutral","sentiment_score":0.0998876387718812}}}}